Search found 278 matches

by B4Xt3r
Sun Nov 18, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 168
Views: 8532

Re: If riskier than US, why doesn't international outperform?

Both VUS and VUN are traded on the Canadian stock market in Canadian dollars. They pay their distributions using Canadian dollars. It's internally, within these ETFs that dollars are converted to US dollars and back, with much better price efficiency than an individual investor could achieve. Both ...
by B4Xt3r
Sun Nov 18, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 168
Views: 8532

Re: If riskier than US, why doesn't international outperform?

Both VUS and VUN are traded on the Canadian stock market in Canadian dollars. They pay their distributions using Canadian dollars. It's internally, within these ETFs that dollars are converted to US dollars and back, with much better price efficiency than an individual investor could achieve. Both ...
by B4Xt3r
Sun Nov 18, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 168
Views: 8532

Re: If riskier than US, why doesn't international outperform?

Nobody commented on my earlier hints... Very interesting post! If one uses an unhedged fund like VUN, are there still costs associated with converting between the domestic and foreign currencies? (My suspicion is yes, but I do not know the answer.) If the answer to the above question is yes, are th...
by B4Xt3r
Sat Nov 17, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 168
Views: 8532

Re: If riskier than US, why doesn't international outperform?

Nobody commented on my earlier hints... Very interesting post! If one uses an unhedged fund like VUN, are there still costs associated with converting between the domestic and foreign currencies? (My suspicion is yes, but I do not know the answer.) If the answer to the above question is yes, are th...
by B4Xt3r
Sat Nov 17, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 168
Views: 8532

Re: If riskier than US, why doesn't international outperform?

Nobody knows more than the peopie at Vanguard, but Vanguard’s decision to herd its investors like cattle into large international stock allocations has been handled poorly. It's hard for me to see how Vanguard has been "herding" anyone. Their considered conclusion (right or wrong) is that equity al...
by B4Xt3r
Sat Nov 17, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 168
Views: 8532

Re: If riskier than US, why doesn't international outperform?

Nobody commented on my earlier hints... Very interesting post! If one uses an unhedged fund like VUN, are there still costs associated with converting between the domestic and foreign currencies? (My suspicion is yes, but I do not know the answer.) If the answer to the above question is yes, are th...
by B4Xt3r
Tue Nov 13, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 3954

Re: Feeling uneasy about recent splurge

I would "sleep on it."

You'll feel better in the morning.
by B4Xt3r
Sat Nov 10, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Is NOW a good time to start ETF saving journey?
Replies: 13
Views: 1334

Re: Is NOW a good time to start ETF saving journey?

...for lazy, risk tolerant investor? Just an observation, and I only intend to help you discover yourself a bit better. I am not sure that you can state that you are risk-tolerant given. However, given current market hopping up and down wouldn't it be better to wait... It feels a bit intimidating t...
by B4Xt3r
Thu Nov 08, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 90
Views: 6411

Re: Too many choices for my next TRUCK

Ok, so I thought I was done shopping for pick up truck. I narrowed it down to either a 2018 Nissan Titan (SV) or a 2019 Toyota Tundra (SR 5.7L). They were priced in the $30K range. I was going to decide this month and pick one up. Done! But then I saw that the 2018 Ford F150 (2.7/3.5L Ecoboost) and...
by B4Xt3r
Sun Nov 04, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 920

Re: Best way to guesstimate returns of lifestrategy funds?

jeffyscott wrote:
Sun Nov 04, 2018 3:31 pm
B4Xt3r wrote:
Sun Nov 04, 2018 3:17 pm
^ yeah, good call.

Forecasted returns are pretty sad.
RA's are much less sad than GMOs, though.
GMO? I’m not aware of that. Care to educate me?
by B4Xt3r
Sun Nov 04, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 920

Re: Best way to guesstimate returns of lifestrategy funds?

^ yeah, good call.

Forecasted returns are pretty sad.
by B4Xt3r
Sun Nov 04, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 920

Re: Best way to guesstimate returns of lifestrategy funds?

Why the faith, to such a degree, that you elevate the relationship between supply and demand so far as to describe it by "law?" You don't know the name of the theory? I'm surprised! Here's a quick reference: The Law of Supply and Demand - Quickonomics . I think you have misjudged my understanding.
by B4Xt3r
Sun Nov 04, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 920

Re: Best way to guesstimate returns of lifestrategy funds?

whodidntante wrote:
Sun Nov 04, 2018 12:14 pm
...
Yes it is.
Interesting, so is the following list the best corrsepondence:

TSM - "Large US"
Total international - "EAFE"
TBM - "US Aggregate"
Total International Bond - "Global aggregate"

?
by B4Xt3r
Sun Nov 04, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 920

Re: Best way to guesstimate returns of lifestrategy funds?

Research affiliates has an interactive tool that gives expected returns for various asset classes. You could compute a weighted average for the constituent asset classes. Interesting, is this what you are talking about? https://interactive.researchaffiliates.com/asset-allocation#!/?category=Develop...
by B4Xt3r
Sun Nov 04, 2018 11:51 am
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 920

Re: Best way to guesstimate returns of lifestrategy funds?

I see my parenthetical has become the main topic of your reply... :oops: That said, I can't resist.... :twisted: I am would be really surprised if you are as unreliant on past behavior as you indicate. Why the faith, to such a degree, that you elevate the relationship between supply and demand so fa...
by B4Xt3r
Sun Nov 04, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 920

Re: Best way to guesstimate returns of lifestrategy funds?

Hi All, Is there a decent way to guesstimate the forward looking returns of the lifestrategy funds? Right now, the only thing I know how to do is to use Simba's backtesting spreadsheet to calculate the total return by weighting the individual components (TSM, TBM, etc.) Is there a better way? Thank...
by B4Xt3r
Sun Nov 04, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4725

Re: Vehicle recommendations for long commutes in CO mountains

Have to drive to work in ALL conditions, no matter how bad . Drive on highway and narrow dirt back roads . Also need ability to drive in deep snow and mud . I'm perplexed at some of the vehicle suggestions, given the OP's needs stated above. Subaru Forester? Honda CRV? Give me a break! For those co...
by B4Xt3r
Sun Nov 04, 2018 8:18 am
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 920

Best way to guesstimate returns of lifestrategy funds?

Hi All, Is there a decent way to guesstimate the forward looking returns of the lifestrategy funds? Right now, the only thing I know how to do is to use Simba's backtesting spreadsheet to calculate the total return by weighting the individual components (TSM, TBM, etc.) Is there a better way? Thanks!
by B4Xt3r
Sun Oct 28, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4725

Re: Vehicle recommendations for long commutes in CO mountains

Considering being stuck in the snow is a possibility no matter the vehicle you select, have you considered a winch for the winter season? Perhaps this is overkill... Would definitely narrow search to 4wd or awd and high ground clearance. I was going to edit my above post, perhaps still will. A winc...
by B4Xt3r
Sun Oct 28, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4725

Re: Vehicle recommendations for long commutes in CO mountains

JMacDonald wrote:
Sat Oct 27, 2018 9:50 pm
Except for gas milage, I would go with a Ford Raptor.
This is also a "not wrong" suggestion, but spoken as someone who has off-roaded in all kinds of terrain and also with both Rubicon's and Raptors - for the kind of off-roading OP is needing, a Rubicon is a "better" suggestion.
by B4Xt3r
Sat Oct 27, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4725

Re: Vehicle recommendations for long commutes in CO mountains

Four door Jeep Wrangler rubicon with the nicest interior you can afford. If you are doing unkempt roads in the winter, you want a real 4x4. (I have done winter off-roading in such conditions.) For backroads in Colorado winters, I suggest a winch of 2x vehicle weight, a 100' winch line, a 100' extens...
by B4Xt3r
Tue Oct 16, 2018 6:35 am
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 90
Views: 6422

Re: When to stop putting money into an older vehicle

TheAccountant wrote:
Sun Oct 14, 2018 5:20 pm
You need to track your costs per mile and compare that number against what a new car would cost.
+1
by B4Xt3r
Sun Oct 14, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3328

Re: Formula for when to buy in bulk

... The PV() function assumes your first payment occurs *after* 1 period has elapsed. So for an example case let's model 2 years of consumption. The length of time for our example does not effect the results. ... BTW, PV() function in excel has an optional input that allows you to select wether the...
by B4Xt3r
Sat Oct 13, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3328

Re: Formula for when to buy in bulk

BTW, I made a little utility spreadsheet. If anyone wants it, PM me for access.
by B4Xt3r
Tue Oct 09, 2018 5:31 pm
Forum: Investing - Theory, News & General
Topic: How is equity/bond allocation different from overweighting sectors/asset classes?
Replies: 5
Views: 632

Re: How is equity/bond allocation different from overweighting sectors/asset classes?

Might help you slightly to read through this post: viewtopic.php?t=239782

Different question, but somewhat related.
by B4Xt3r
Tue Oct 09, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3328

Re: Formula for when to buy in bulk

... ... ... This understanding is correct. One caveat I might throw in is that your discount rate might not exactly match the rate of return you expect of your investments. For example, if you ask yourself, "Would I rather have a guaranteed $1.00 given to me today, or a guaranteed $1.10 given to me...
by B4Xt3r
Mon Oct 08, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3328

Re: Formula for when to buy in bulk

... Let's assume that any money Bob doesn't spend on toilet paper is immediately invested in the S&P500 (quite an assumption!), and that he expects this would earn him 7% real annually. He is deciding between buying a $20 case of 48 rolls of T.P. that would last him a year, versus a $1.70 box of 4 ...
by B4Xt3r
Mon Oct 08, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3328

Re: Formula for when to buy in bulk

You can go nuts with this. The VP of sales at a company I worked for had twins. He went to the low cost supermarket and talked to the manager and bought enough diapers for the twins for as long as they would need them and took them in a single purchase. Saved more than anyone ever could with sales ...
by B4Xt3r
Mon Oct 08, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3328

Re: Formula for when to buy in bulk

Ask yourself, when was the last time you actually used a months supply of your stashed stuff? Maybe if you lived through he hurricane in Puerto Rico. Otherwise a months supply is too much. Too much storage. Then again, you won't be the one rushing to the store and emptying the shelves of everything...
by B4Xt3r
Mon Oct 08, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3328

Re: Formula for when to buy in bulk

If you wanted to take this to extremes, you'd have to include any costs for storing extra quantities, overall and other specific spending constraints, etc. If the product regularly goes on sale, and the sale discount is larger than your expected investment return, then buy enough at the sale price ...
by B4Xt3r
Mon Oct 08, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3328

Re: Formula for when to buy in bulk

The general term for this computation is determining present value of a series of payments. The equation can be read about here: http://financeformulas.net/Present_Value_of_Annuity.html Assuming there is no spoilage, transaction costs or carrying costs, then the only case where a bigger purchase at...
by B4Xt3r
Mon Oct 08, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3328

Re: Formula for when to buy in bulk

^Lets assume that you actually use all the product you buy.
by B4Xt3r
Mon Oct 08, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3328

Formula for when to buy in bulk

Hi All, I have had something annoy me for a while now, and I'm curious if someone knows the answer. Let's assume that I have buy a certain product and that it is offered at various prices per unit depending on how much of it I buy. The choice is then, should I buy more of the product less often or l...
by B4Xt3r
Mon Oct 08, 2018 6:32 am
Forum: Investing - Theory, News & General
Topic: “It’s probably wise to sell to the sleeping point.” - Jack Bogle
Replies: 83
Views: 11748

Re: “It’s probably wise to sell to the sleeping point.”

Interesting. The 5-10% reduction in stocks would have many here wagging their fingers and chanting “market timing” if someone mentioned doing that in a post. If you actually read some of Jack Bogle's books, you would realize that there are a number of unbogleheads-forum things about Bogle himself. ...
by B4Xt3r
Mon Oct 08, 2018 6:21 am
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4381

Re: New Car: No Collision/Comprehensive?

My opinion is that insurance is only needed when you cannot afford the risk. If you can, why pay insurance companies for a service you can already afford yourself? Seems wasteful unless the mental satisfaction you derive from being insured is worth the premium.
by B4Xt3r
Sat Oct 06, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9915

Re: What is your annual cost for health insurance?

Man, 20k premiums make me wonder if it is better just to take the risk, save $20k/year, and then pay the uninsured rates at hospitals. I don't have the numbers handy, but at somepoint you have to do the cost/benifit analysis. I'd be curious if someone actually had the numbers handy?
by B4Xt3r
Sun Sep 30, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: How to get 9-box data for free
Replies: 4
Views: 624

How to get 9-box data for free

Hi All,

I am curious if someone knows a way to get morningstar 9-box data for free? I used to use there "instant x-ray" tool, but that seems to not longer be functioning correctly.

Thx!
by B4Xt3r
Sun Sep 30, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Reasonable, free tax forecaster
Replies: 9
Views: 970

Re: Reasonable, free tax forecaster

^Thanks.

A very simple one that I found was this: https://smartasset.com/taxes
by B4Xt3r
Sat Sep 29, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable, free tax forecaster
Replies: 9
Views: 970

Reasonable, free tax forecaster

Hi All,

I'm looking for a reasonable, free tax forecaster just to make sure that my employer will be withholding enough for taxes. Can someone make a suggestion?

Thanks!
by B4Xt3r
Thu Sep 13, 2018 6:39 am
Forum: Investing - Theory, News & General
Topic: Commodities have never been cheaper - time to buy?
Replies: 46
Views: 5184

Re: Commodities have never been cheaper - time to buy?

...Despite our intellectual understanding that it makes sense to buy the unloved and sell what everyone wants... I have no such "understanding." What you have described is simply one of many active investing strategies, such as "growth at a reasonable price." This one is just "contrarian investing....
by B4Xt3r
Wed Sep 05, 2018 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Help make me more employable
Replies: 18
Views: 2603

Re: Help make me more employable

What you don't have is any of the management/business side which is where you need to be to make the real money. Focus on that and office politics/personal relationship skills. Any recommendation as how to navigate office politics? Take courses on interpersonal communication as well as speech and w...
by B4Xt3r
Tue Sep 04, 2018 6:42 am
Forum: Personal Finance (Not Investing)
Topic: [How do I include inflation in my pay raise?]
Replies: 29
Views: 1751

Re: [How do I include inflation in my pay raise?]

I'm a bit confused by the discussion of tax brackets. Can someone provide an example with numbers? I'll make up some numbers to make the math easier. Suppose that the standard deduction is $20,000, and you then pay 10% tax on taxable income up to $10,000, and 15% tax on the amount from $10,000 to $...
by B4Xt3r
Mon Sep 03, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Help make me more employable
Replies: 18
Views: 2603

Help make me more employable

Hi All, Over the next one to two years, I am considering the idea of spending my Saturdays learning a new skill in order to make myself more employable in the future. Pertinent background: Recently hired at F500 company where I help automate the testing/RnD process for building lasers - am satisfied...
by B4Xt3r
Mon Sep 03, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: [How do I include inflation in my pay raise?]
Replies: 29
Views: 1751

Re: [How do I include inflation in my pay raise?]

I'm a bit confused by the discussion of tax brackets. Can someone provide an example with numbers?
by B4Xt3r
Sun Sep 02, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: [How do I include inflation in my pay raise?]
Replies: 29
Views: 1751

Re: Inflation, raises, and taxes.

As measured by real wages, yes most people I know have to spend a higher percentage of income on relatively non-discretionary expenditures - medical expenses, sales and property taxes, etc. - vs. a decade ago. ... I don't see why the current situation wouldn't be sustainable indefinitely. How can i...
by B4Xt3r
Sun Sep 02, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: [How do I include inflation in my pay raise?]
Replies: 29
Views: 1751

Re: [How do I include inflation in my pay raise?]

This thread is incredibly helpful and also totally nuts! The latest CPI-U annual increase for the San Francisco region is 3.9%, according to BLS. Using my own (but probably not atypical) effective and marginal rates, I would need a 4.5% increase just to keep up with cost of living. The standard pay...
by B4Xt3r
Sun Sep 02, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: [How do I include inflation in my pay raise?]
Replies: 29
Views: 1751

Re: [How do I include inflation in my pay raise?]

You got it. You do bring up an interesting point that our progressive tax system does tend to require higher than inflation increases just to maintain the same standard of living. I hadn't thought about that before your post. Bold is mine. That is an interesting point, because if your effective rat...
by B4Xt3r
Sun Sep 02, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: [How do I include inflation in my pay raise?]
Replies: 29
Views: 1751

Re: [How do I include inflation in my pay raise?]

Example, say your salary is $100,000. You take home $80,000 but your marginal rate is 35%. If inflation is 2%, you need $80,000 = $81,600 to maintain your same standard of living. You will need an absolute raise of $1,600/.65 = $2461. That is a raise of 2.46%, which is precisely the amount that I s...
by B4Xt3r
Sun Sep 02, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: [How do I include inflation in my pay raise?]
Replies: 29
Views: 1751

Re: Inflation, raises, and taxes.

I disagree. If your marginal rate is X and your effective rate is Y, then you you need (1-Y) x 2% / (1-X) to maintain the same spending power. Your formula assumes that your effective rate is 0. In reality, things get even more complicated with the different deductions and such if they're not index...