Search found 199 matches

by Beensabu
Thu Dec 13, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?
Replies: 50
Views: 2607

Re: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?

It's marketing whatchamacallit. Gotta love it. And it's not just "super mega double", it's "ultra strong" too... If Wile E. Coyote stretched it out over his head, that anvil would bounce right off and crush him ambling cockily down the road 10 feet later. I just get the "bunny" toilet paper (Softly ...
by Beensabu
Thu Dec 13, 2018 1:12 am
Forum: Investing - Theory, News & General
Topic: Why some larger stocks are classified as mid-cap?
Replies: 4
Views: 456

Re: Why some larger stocks are classified as mid-cap?

Page 10 of this (page 13 of the PDF) might help if you prefer visualization: CRSP Indexes Methodology Guide - Oct 2018 If you check VO holdings, you'll see that Antero Resources is the second smallest position. It's right around that 85% breakpoint, so it's one of the smallest companies included in ...
by Beensabu
Sun Dec 09, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 99
Views: 6594

Re: are pre-fabricated / manufactured homes a bad investment?

Mobile / pre-fabricated / manufactured- seems like they're all lost in the ether. A "mobile home" is a factory-built home - transportable on a chassis and wheels - that was built pre-1976 (before the HUD code). It can be moved once built. A "manufactured home" is a factory-built home - transportabl...
by Beensabu
Sun Dec 09, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 99
Views: 6594

Re: are manufactured homes a bad investment?

I know some places won't "finance" them and insurance can be tricky? EDIT: NOT TALKING ABOUT 'MOBILE HOMES' YOU FIND IN A TRAILER PARK. lol.... If you are talking about a manufactured home converted to real property and tied to land, be very careful of this: - If the home is not delivered straight ...
by Beensabu
Sun Nov 25, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help Needed with 401k
Replies: 8
Views: 605

Re: Help Needed with 401k

Welcome to the forum :happy Please edit your original post to follow the format laid out here: Asking Portfolio Questions . That will make it a lot easier for others to help you with useful responses. Note: You want to view your portfolio as a whole -- you and your wife, both of your 401ks and Roth ...
by Beensabu
Sat Nov 17, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Comment from Bogleheads book about future market gains
Replies: 10
Views: 1308

Re: Comment from Bogleheads book about future market gains

Given that the book also regularly teaches that we cannot predict the future from the past (or predict the future at all), why would the authors somewhat paradoxically state that we probably won't see market gains in the future on par with what we've previously seen? Say you devise a savings/invest...
by Beensabu
Fri Nov 16, 2018 10:43 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 7 Investing Rules
Replies: 14
Views: 2457

Re: Larry Swedroe: 7 Investing Rules

That article is a very neat, concise package of information. It would be a really good supplementary link to provide when someone is starting to learn about investing or to reference when someone is getting nervous during a correction. Thank you for sharing. Gleaned nuggets: Investors need to unders...
by Beensabu
Mon Nov 12, 2018 11:10 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8231

Re: What's everyone currently in?

15.5 US Large Cap, 11 US Mid Cap, 18 Int'l Large Cap, 10 Int'l Small/Mid Cap, 8 US REIT, 16.5 USAggBnd, 21 cash. All index funds. Contributions currently 60 USAggBond, 20 Int'l Large Cap, 20 US REIT. Aim to keep it around 60-65% stock with about 55 US / 45 Int'l and ~40% of each mid cap. ~10% of equ...
by Beensabu
Wed Nov 07, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: Self publishing help needed
Replies: 2
Views: 263

Re: Self publishing help needed

There are a lot of resources to be found through here:

http://www.kidlit411.com/2013/12/kidlit ... shing.html

Do check out the Authors Beware section to avoid vanity presses and scams.
by Beensabu
Sun Nov 04, 2018 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor- fund options and allocation
Replies: 5
Views: 497

Re: New Investor- fund options and allocation

Welcome to the forum :)

Please edit your original post to follow the format laid out here: Asking Portfolio Questions.

That will make it a lot easier for others to help you with useful responses.
by Beensabu
Sun Nov 04, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Sometimes, It’s Bonds For the Long Run
Replies: 72
Views: 6115

Re: WSJ: Sometimes, It’s Bonds For the Long Run

vineviz wrote:
Sat Nov 03, 2018 9:14 am
Image
Maybe in 20 years?
by Beensabu
Thu Nov 01, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 142
Views: 14822

Re: Do you meditate?

Singing/chanting/tonal/humming meditation. Tied to breath without focusing on breath. Shows you the same thing. Everyone has a way to find it.
by Beensabu
Sat Oct 20, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107029

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I have to chuckle at all this analysis. Total US is out-performing Intl because 12.7% of its assets are in: Apple, Microsoft, Amazon, Alphabet (Google), and Facebook. If those 5 continue their run, Total US will outperform Intl ... if they don't, it won't. That doesn't address the U.S.'s outperform...
by Beensabu
Sat Oct 20, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Fund Choice Questioning
Replies: 13
Views: 915

Re: Fund Choice Questioning

Beensabu, the OP uses the moniker “mr. jelly”. The OP made 14 (or so) references to himself with “I” or “my” and no references to “we, us, our”. So, why do you make numerous references to the OP as “they”. I’m no grammarian but this seems to be a new trend, using they when he or she should be used....
by Beensabu
Sat Oct 20, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Fund Choice Questioning
Replies: 13
Views: 915

Re: Fund Choice Questioning

Thanks for the replies. I'm not sure what information is desired. My wife and I have pensions along with SS that will sustain us in the fashion we are living now. We will fully retire in six to ten months. Our income will actually go up a little. I've been partially retired for eight years now. We ...
by Beensabu
Fri Oct 19, 2018 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Choice Questioning
Replies: 13
Views: 915

Re: Fund Choice Questioning

Yes, you are. Remember that even if there is a correction/crash sometime in the next two years, it could be the case that prices never fall to the level they are today. Meaning that prices could go up 15% more before they fall 10%, in which case you’d have paid less today. Not to mention that you’l...
by Beensabu
Fri Oct 19, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Choice Questioning
Replies: 13
Views: 915

Re: Fund Choice Questioning

You've been happy with your allocation, but maybe want to make a change, but not right now, maybe later. It's the whole reverse glide path thing of slowly starting to increase your stock allocation a few years into retirement, right? If you're recently retired or retiring soon, then it makes sense t...
by Beensabu
Mon Oct 15, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 43
Views: 4092

Re: Corporate politics/culture

Everything coming from the top is lies. New people will come in to take on the new projects. The new people will have the same roles/titles as old people. There will be outsourcing to third-parties. Company may or may not actually be stable. YMMV.
by Beensabu
Sun Oct 07, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Flattening yield curve
Replies: 55
Views: 5029

Re: Flattening yield curve

The article I liked to argued that an inverted yield curve "predicts" a recession because it leads to specific behavior by lenders and borrowers that leads to a credit crunch and a drop in productive investment. That credit crunch is the result of lenders being forced to borrow at higher rates than...
by Beensabu
Sun Oct 07, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: Flattening yield curve
Replies: 55
Views: 5029

Re: Flattening yield curve

Something that causes a recession could also cause a flattening yield curve or yield curve inversion. That is why I asked you to provide your hypothesis for what this mysterious something is :P. The Recession Fairy? Something else? There seem to be other valid hypotheses that were presented earlier...
by Beensabu
Sat Oct 06, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Help identify vine in backyard
Replies: 26
Views: 1555

Re: Help identify vine in backyard

Could be stinging nettle (if hairs on stem).

http://identifythatplant.com/three-memb ... le-family/

Could be false nettle (compare flowers against pics).

http://identifythatplant.com/another-nettle/
by Beensabu
Wed Oct 03, 2018 9:25 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Be Prepared For Losses
Replies: 146
Views: 19014

Re: Larry Swedroe: Be Prepared For Losses

Toons wrote:
Wed Oct 03, 2018 8:41 pm
"meaning of skew and kurtosis"

Say What?
Tail risk

Skewness

Kurtosis

Had to look it up.
by Beensabu
Fri Sep 28, 2018 10:15 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107029

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Ignoring Mr. Buffett's assertion about social security's continued viability in its present form (as that's a political discussion), we should note that the bolded statement is empirically false. We already have a generation with a lower standard of living than their parents; we may have more, depe...
by Beensabu
Fri Sep 21, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107029

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Could you do just as well by shorting the USD ? “For 240 years it’s been a terrible mistake to bet against America, and now is no time to start. America’s golden goose of commerce and innovation will continue to lay more and larger eggs. America’s social security promises will be honored and perhap...
by Beensabu
Wed Sep 12, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2661

Re: Anyone into Essential Oils?

Radha essential oils are inexpensive and good quality. You can find them on Amazon. And you don't need a fancy, expensive diffuser. Just look for the bestseller. It's for a reason. Do not attempt to clean the little metal circle thing in the bottom of any ultrasonic diffuser by wiping/touching it. Y...
by Beensabu
Thu Sep 06, 2018 9:12 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107029

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

If you tilt value in your portfolio I don’t see how you can ignore international at these valuations. They call it Home Country Bias for a reason. However, even Vanguard acknowledges that: our framework suggests that U.S. investors may have some quantitative justification for a home bias Would you ...
by Beensabu
Mon Sep 03, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107029

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I used the data available on Portfolio Visualizer for as far back as it would go, 1987-2017, to construct an efficient frontier using US stock market, US bond market, and Ex-US stock market. None of the portfolios on the efficient frontier contained even a smidgen of Ex-US stock exposure. https://w...
by Beensabu
Mon Sep 03, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107029

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

US only investors don’t care what others do. Global cap investors argue that everyone *should* invest as they do. I don't know about that. This was said way back on page 9 of this thread: 9 pages in. I have to ask. Has a single person changed their position having read or participated in this threa...
by Beensabu
Mon Sep 03, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?
Replies: 79
Views: 3359

Re: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?

You may want to take a look at the top 10 S&P 500 companies every year from 1980 to 2013: Visual History Of The S&P 500 These are the current top 10 constituents at this point in time: Apple Inc. Microsoft Corp Amazon.com Inc Facebook Inc A FB Berkshire Hathaway B JP Morgan Chase & Co Alphabet Inc C...
by Beensabu
Mon Sep 03, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107029

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

US only investors don’t care what others do. Global cap investors argue that everyone *should* invest as they do. I don't know about that. This was said way back on page 9 of this thread: 9 pages in. I have to ask. Has a single person changed their position having read or participated in this threa...
by Beensabu
Sat Sep 01, 2018 7:32 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107029

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Yes. That's essentially the same notion as the "past performance is not a predictor of future results" language we hear all the time. You wouldn't expect them to say something like "U.S. markets have had truly exceptional performance over the course of over one hundred years with no apparent signs ...
by Beensabu
Sat Sep 01, 2018 3:28 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107029

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Over the entirety of their existence, U.S. stocks have outperformed the rest of the world in total by a significant margin. And we're not talking about some tiny, financially speaking, country that managed to outperform with a single digit global market cap or lower. The Credit Suisse Yearbook abov...
by Beensabu
Sun Aug 26, 2018 6:25 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107029

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

:sharebeer I 2) Can't get reliable data on Int'l. Can't even find a PE ratio I trust. Let me be a bit more specific. It is indeed challenging to find PE/CAPE historical information about either entire markets (e.g. countries) or individual companies, notably from public sources. But it is easy to f...
by Beensabu
Sat Aug 25, 2018 8:10 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107029

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

http://i.imgur.com/trhhhkDl.jpg Now that's a great chart! It just doesn't seem reasonable to hold up what happened to Japan as a very likely near-term possibility for the US....The US just has so many advantages...And if the US equity markets weren't so expensive right now, I wouldn't even be consi...
by Beensabu
Tue Aug 21, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: New 401(k)
Replies: 1
Views: 169

Re: New 401(k)

Welcome to the forum, Nwolf28! I recommend editing your original post to follow the format laid out here: Asking Portfolio Questions . Be sure to indicate all of the available funds in your 401k, including the expense ratio for each one. Please also write out the fund name, as opposed to just the ti...
by Beensabu
Sun Aug 19, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107029

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

VEA Stats: Top holdings include: Nestle, Toyota, Shell, BP P/E TTM = 14.6 SEC Yield = 2.4% As a “valuation” guy, what’s not to like? P.S. Does anyone know of a place (similar to Shillers website for SP500) to find historical data on “International stocks”... I'd also like to hear. I resort to annua...
by Beensabu
Sat Aug 18, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107029

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

VEA Stats: Top holdings include: Nestle, Toyota, Shell, BP P/E TTM = 14.6 SEC Yield = 2.4% As a “valuation” guy, what’s not to like? P.S. Does anyone know of a place (similar to Shillers website for SP500) to find historical data on “International stocks”... I'd also like to hear. I resort to annua...
by Beensabu
Sun Aug 05, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Why international?
Replies: 26
Views: 2460

Re: Why international?

I looked at VGTSX (Vanguard Total International) vs VFINX (Vanguard S&P500) using the Backtest Portfolio tool and could not find any time period 5 years or longer where International performance exceeded domestic. In fact, International performance was outright lousy (relative to domestic) in all t...
by Beensabu
Tue Jul 31, 2018 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 6191

Re: Financial upside / downside of marriage vs cohabiting

Perhaps answering these questions for yourself might help:

What is the purpose of your net worth?

(A) To provide for yourself
(B) To provide for your family

If (B), who do you consider family?
by Beensabu
Thu Jul 19, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 75
Views: 11502

Re: I may have understood why it's so hard to save and invest

airelleofmusic wrote:
Thu Jul 19, 2018 3:46 am
1-month equivalent paycheck (1500$)
If you net $18k / year, it is actually incredibly impressive that you're managing to save 8% of that. That is not easy. No wonder it feels hard. Keep doing it anyway. You're awesome.
by Beensabu
Mon Jul 16, 2018 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Duration of Sequence of Return risk for long retirements
Replies: 49
Views: 4109

Re: Duration of Sequence of Return risk for long retirements

If I understand this correctly, it is using a 30 year retirement window to compute SWR. Then seeing how that SWR is correlated (across different 30 year spans) to the portfolio performance at different durations. But, the SWR is always based on a 30 year retirement in this analysis. What I was aski...
by Beensabu
Sun Jul 15, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Duration of Sequence of Return risk for long retirements
Replies: 49
Views: 4109

Re: Duration of Sequence of Return risk for long retirements

I think the same 10 years applies. Michael Kitces: Understanding Sequence Of Return Risk – Safe Withdrawal Rates, Bear Market Crashes, And Bad Decades Apparently, the highest correlation between safe withdrawal rates and real returns is 9-10 years into retirement. It's not a major drawdown that's sc...
by Beensabu
Tue Jul 10, 2018 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: SEC yield vs YTD bond fund
Replies: 4
Views: 523

Re: SEC yield vs YTD bond fund

You may find the posts by PJW in this thread to be helpful.
by Beensabu
Sun Jul 08, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - What will the real return be for stocks and bonds over the next ten years?
Replies: 46
Views: 5483

Re: Vanguard - What will the real return be for stocks and bonds over the next ten years?

Not sure how expected returns affects AA, but I would think one should just stick to the AA in ones plan, unless you are a market timer. Expected return can be used to estimate the equity risk premium. An example using random numbers: If the nominal return of risk-free bonds is expected to be 2.5%,...
by Beensabu
Sat Jul 07, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: yield curve inversion
Replies: 48
Views: 5173

Re: yield curve inversion

Looking at this chart, it seems like almost every recession since 1954 was proceeded by the Fed Funds Rate increasing. https://fred.stlouisfed.org/graph/fredgraph.png?g=kmLO FRED: Effective Federal Funds Rate Recession of: 1957-58: Tight monetary policy 1960-61: Another monetary recession 1969-70: ...
by Beensabu
Sat Jul 07, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000
Replies: 48
Views: 7021

Re: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000

Well, how did that decision play out...75% vs 35% stock allocation from 2000 to 2018? I am guessing, but thinking stay-the-course won. Pretty well , actually. The 75/25 portfolio finally pulled ahead in 2017. :| Let's put "Pretty well" in perspective. In order to get a 0.5% more CAGR, the investor ...
by Beensabu
Fri Jul 06, 2018 5:10 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000
Replies: 48
Views: 7021

Re: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000

Ricola wrote:
Thu Jul 05, 2018 11:29 am
Well, how did that decision play out...75% vs 35% stock allocation from 2000 to 2018? I am guessing, but thinking stay-the-course won.
Pretty well, actually.

The 75/25 portfolio finally pulled ahead in 2017.
by Beensabu
Tue Jul 03, 2018 11:40 pm
Forum: Personal Consumer Issues
Topic: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady
Replies: 18
Views: 1085

Re: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady

Clark's usually has pretty comfortable sandals. Here are some not-so-sporty options with adjustable straps in the areas you have indicated: https://www.zappos.com/p/clarks-saylie-moon-black-leather/product/8991946/color/72 https://www.zappos.com/p/clarks-saylie-quartz-black-nubuck/product/9124439/co...