Search found 913 matches

by deepdrive
Mon Mar 23, 2009 9:20 am
Forum: Investing - Theory, News & General
Topic: How much do you tilt?
Replies: 96
Views: 13271

Tom_T wrote:How much SV is in TSM?
About 3% of TSM is SV.
by deepdrive
Mon Mar 23, 2009 7:27 am
Forum: Investing - Theory, News & General
Topic: Midcaps anyone?
Replies: 86
Views: 13271

[personal attack removed by admin alex] Only on The Boglehead Forum can a discussion of midcap funds result in a personal attack. Hah! :) That is really funny when you say it that way. Maybe I'm feisty because I'm sports deprived. Football is over, NCAA basketball does nothing for me, and it's been...
by deepdrive
Sun Mar 22, 2009 9:26 pm
Forum: Investing - Theory, News & General
Topic: Midcaps anyone?
Replies: 86
Views: 13271

Trev, I think your data has a mistake.

74.5% return for SCV in 2003 doesn't sound right to me (it was in the first set you posted going back to 1927).
by deepdrive
Sun Mar 22, 2009 9:55 am
Forum: Personal Consumer Issues
Topic: Good news! At least today.
Replies: 35
Views: 7897

I work for a retail company. Our sales have skyrocketed these last few weeks, but it's nothing we're excited about because our sales generally go up 8-10% from the ninth to tenth week of the year. Ours went up barely 8% this year from week nine to week ten. The jump is no bigger a jump than in previ...
by deepdrive
Sun Mar 22, 2009 9:49 am
Forum: Investing - Theory, News & General
Topic: Midcaps anyone?
Replies: 86
Views: 13271

Trev, very interesting data. I've got it in my own spreadsheet with some slight modifications (added growth of $1, long-term CAGR, etc.). Thanks for your effort on all this data.
by deepdrive
Sat Mar 21, 2009 4:12 pm
Forum: Investing - Theory, News & General
Topic: Midcaps anyone?
Replies: 86
Views: 13271

[personal attack removed by admin alex]
by deepdrive
Sat Mar 21, 2009 2:09 pm
Forum: Investing - Theory, News & General
Topic: Midcaps anyone?
Replies: 86
Views: 13271

I'll let others be the judge of the results of those recommendations. Seriously, All I did was ask why a few people used past results to gauge future results. It's an extremely relevant question to ask on an investment forum whose whole point of existing is to give investing advice inspired by Jack...
by deepdrive
Sat Mar 21, 2009 1:11 pm
Forum: Investing - Theory, News & General
Topic: Midcaps anyone?
Replies: 86
Views: 13271

As of 2/28/09 from Vanguard's website: Mid-Cap Index fund is VG's #1 - 10 year performer at plus 3.24%. S & P 500 --- minus 3.51% -- 10 year Total SM ----- minus 2.57% -- 10 year Simple math ..... Regards, Jim (non-financial savvy guy) Simple math, sure, but hindsight is 20/20. Perhaps you'd rather...
by deepdrive
Sat Mar 21, 2009 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement planning
Replies: 62
Views: 7389

[quote="coachz"]Yeah work makes me complain. See the connection ? I'm playing cards for 2 hours once a month so don't be ridiculous.[quote]

Two hours a month?

Previously, you said a few hours a week.

Quit your moaning. You've got it easy, based on what you're telling us.
by deepdrive
Sat Mar 21, 2009 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement planning
Replies: 62
Views: 7389

There is very little time for hobbies. I have basically 4 hours or so every night during the week and that's it. By the time dinner is made and chores are done and life is taken care of, the time runs out. Also, on weekends much of it is spend doing work around the house and errands. I'm lucky to s...
by deepdrive
Sat Mar 21, 2009 12:57 pm
Forum: Personal Consumer Issues
Topic: Machine Washable Men's Dress Slacks
Replies: 41
Views: 14106

SoonerSunDevil wrote:Brooks Brothers has outstanding pants that fit your requirements. Check out the "advantage chinos" below.

http://www.brooksbrothers.com/men/chinos.tem

2 for $139 isn't bad.
I could be a multi billionaire and I still wouldn't spend $70 for a pair of pants.
by deepdrive
Sat Mar 21, 2009 11:36 am
Forum: Investing - Theory, News & General
Topic: Midcaps anyone?
Replies: 86
Views: 13271

jimlandis wrote:As of 2/28/09 from Vanguard's website:

Mid-Cap Index fund is VG's #1 - 10 year performer at plus 3.24%.

S & P 500 --- minus 3.51% -- 10 year
Total SM ----- minus 2.57% -- 10 year

Simple math .....

Regards,
Jim (non-financial savvy guy)
Simple math, sure, but hindsight is 20/20.
by deepdrive
Fri Mar 20, 2009 10:46 pm
Forum: Investing - Theory, News & General
Topic: Midcaps anyone?
Replies: 86
Views: 13271

Mel, Isn't that using past performance to gauge future performance? What TrevH posted is great info and I love reading and absorbing it, but how useful is it? Unless you use past performance as a gauge of future performance, isn't it essentially useless? What exactly do you use? That's exactly my p...
by deepdrive
Fri Mar 20, 2009 10:12 pm
Forum: Investing - Theory, News & General
Topic: Midcaps anyone?
Replies: 86
Views: 13271

Mel,

Isn't that using past performance to gauge future performance?

What TrevH posted is great info and I love reading and absorbing it, but how useful is it? Unless you use past performance as a gauge of future performance, isn't it essentially useless?
by deepdrive
Fri Mar 20, 2009 10:04 pm
Forum: Investing - Theory, News & General
Topic: Midcaps anyone?
Replies: 86
Views: 13271

That's what I thought, Rick. I'd love to get some excess returns through REITs or SCV as a diversifier, but if I went the next 5-10 years with my stock allocation underperforming the broad market, I know I'd be kicking myself wishing I had held only the total market.
by deepdrive
Fri Mar 20, 2009 9:10 pm
Forum: Personal Consumer Issues
Topic: Machine Washable Men's Dress Slacks
Replies: 41
Views: 14106

Haggar brand at J.C. Penney. It's all I wear to work.
by deepdrive
Fri Mar 20, 2009 9:05 pm
Forum: Investing - Theory, News & General
Topic: Midcaps anyone?
Replies: 86
Views: 13271

The rolling correlations between large cap and mid cap are consistently very high, over +0.9 almost all the time. That means there is very little unique risk or diversification benefit from that segment of the equity market. You are basically investing in leveraged beta. Your return is higher only ...
by deepdrive
Fri Mar 20, 2009 8:52 pm
Forum: Forum Issues and Administration
Topic: Can't discuss economics?
Replies: 17
Views: 4340

Read the examples of unacceptable topics quoted by Sewall. You can discuss economics, but you cannot discuss economic policies. :) That's what I thought, too, but take a look at the red lettering at the bottom of the last message in this thread: http://www.bogleheads.org/forum/viewtopic.php?t=34685
by deepdrive
Fri Mar 20, 2009 7:13 pm
Forum: Personal Consumer Issues
Topic: We Bogleheads are a fortunate bunch
Replies: 25
Views: 5336

I agree.
by deepdrive
Fri Mar 20, 2009 5:52 pm
Forum: Forum Issues and Administration
Topic: Can't discuss economics?
Replies: 17
Views: 4340

Can't discuss economics?

I saw in the thread about toxic assets, which is now locked, that discussing economics is not allowed here. People discuss economic every single day on here. Discussing how the market is doing, GDP, unemployment, inflation, etc. is all discussing economics. So where's the line? I understand politics...
by deepdrive
Fri Mar 20, 2009 5:50 pm
Forum: Personal Consumer Issues
Topic: We Bogleheads are a fortunate bunch
Replies: 25
Views: 5336

Re: We Bogleheads are a fortunate bunch

I agree for the most part, but I think in most cases, people just don't know what they should be doing. If the doctor tells you that you need brain surgery, are you going to go read books on how to properly perform the surgery? No, you're going to trust that the doctors are doing it right. People t...
by deepdrive
Fri Mar 20, 2009 5:49 pm
Forum: Personal Consumer Issues
Topic: $750k/yr to $7.29/hr
Replies: 28
Views: 4461

simplesimon wrote:I haven't watched the video yet, but I read somewhere the biggest problem with pizza delivery is how the life of the car is shortened.
Sure. You drive more, you'll put more miles on it. I'm not saying people should quit their jobs and deliver pizzas by any stretch of the imagination.
by deepdrive
Fri Mar 20, 2009 5:48 pm
Forum: Investing - Theory, News & General
Topic: Morningstar's take on Vanguard's higher expense ratios
Replies: 8
Views: 2674

If Vanguard is "forced" to raise expenses when asset values decline, it's perversely comforting that they don't have huge margins to fall back on. Ie, ER's are about as low as they can reasonably be, based on Vanguard's business model, income, and expenses. (That's my assumption, anyway.) Ryan That...
by deepdrive
Fri Mar 20, 2009 5:32 pm
Forum: Personal Consumer Issues
Topic: $750k/yr to $7.29/hr
Replies: 28
Views: 4461

How irresponsible.

I hope to do the reverse. I delivered pizzas in college.

$7.29 plus tips is excellent for a pizza delivery driver. I made $2.50 per hour. Don't feel too bad for this guy; there were days I made $200 cash delivering pizzas.
by deepdrive
Fri Mar 20, 2009 2:38 pm
Forum: Personal Consumer Issues
Topic: South Park or Family Guy?
Replies: 27
Views: 4272

Freedomfunds, what the heck does it matter if you're liberal or conservative? You're the wrong one, but I won't hold it against you.

Family Guy is much, much funnier. Laugh out loud, cry funny. South Park is just entertaining at best.
by deepdrive
Fri Mar 20, 2009 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Allocations - VISVX vs. VISGX vs. NAESX??
Replies: 12
Views: 7383

Re: Index overlap

.For those portfolios that elect to hold the Market (as in TSM) most avoid holding extra components on the Growth Side (like MG or SG) becasue MG and SG both have higher correlation to the Market than the Value Components MV, SV do. Hey Trev, isn't the total market about equally split between value...
by deepdrive
Fri Mar 20, 2009 9:21 am
Forum: Investing - Theory, News & General
Topic: Action Plan for Next All-Time Market High
Replies: 54
Views: 8099

DCAD (dollar cost average down) back into bonds and to an asset allocation which you think is suitable. Like the bottom of a bear market, the top of a bull market can't be timed either. Adrian anenu@tampabay.rr.com Unless, apparently, you read the entrails of the inverted yield curve. Then you can ...
by deepdrive
Fri Mar 20, 2009 8:04 am
Forum: Personal Consumer Issues
Topic: We Bogleheads are a fortunate bunch
Replies: 25
Views: 5336

Re: We Bogleheads are a fortunate bunch

I stopped feeling sympathy a long time ago for the vast majority out there who never read anything, make no effort to educate themselves, and then invariably get burned.Sam I agree for the most part, but I think in most cases, people just don't know what they should be doing. If the doctor tells yo...
by deepdrive
Thu Mar 19, 2009 9:04 pm
Forum: Personal Consumer Issues
Topic: Depositing coins into the bank?
Replies: 53
Views: 12228

Tall Grass wrote:
deepdrive wrote:$2.00 tip? Cheapass.
Hey...$2.00 for a $7.00 breakfast ain't being cheap! That's 28%... 8)
Eh, I suppose not. If it's just me eating, I'll get something from somewhere I don't have to eat in.
by deepdrive
Thu Mar 19, 2009 9:01 pm
Forum: Investing - Theory, News & General
Topic: Total International merging with FTSE All World Ex. US?
Replies: 41
Views: 9713

The expense ratio of Total International is up to 0.34%. What is the reason for that? Decreasing balances have driven up expenses on a lot of funds; it costs just as much to mail out statements, file IRS forms, keep the web site running, pay staff, etc., when the fund loses half its value. Good, so...
by deepdrive
Thu Mar 19, 2009 8:50 pm
Forum: Personal Consumer Issues
Topic: We Bogleheads are a fortunate bunch
Replies: 25
Views: 5336

We Bogleheads are a fortunate bunch

This isn't the first time this has happened, and I'm sure it won't be the last. Tonight I talked to someone who has no clue about investing, my grandpa. After a lengthy discussion, it became obvious to me why so many people do so poorly with their investments. It also makes me realize that the Bogle...
by deepdrive
Thu Mar 19, 2009 5:55 pm
Forum: Personal Consumer Issues
Topic: Depositing coins into the bank?
Replies: 53
Views: 12228

$2.00 tip? --Crude/rude remark deleted--
by deepdrive
Thu Mar 19, 2009 5:49 pm
Forum: Personal Consumer Issues
Topic: Depositing coins into the bank?
Replies: 53
Views: 12228

When the Cool Whip bowl gets full, I go in the bank, they dump it in the change counter, it jingles loudly for about 15 seconds, and then I get about $60-70 ($70+ is very full).
by deepdrive
Thu Mar 19, 2009 3:33 pm
Forum: Investing - Theory, News & General
Topic: Total International merging with FTSE All World Ex. US?
Replies: 41
Views: 9713

The expense ratio of Total International is up to 0.34%.

What is the reason for that?
by deepdrive
Thu Mar 19, 2009 2:17 pm
Forum: Investing - Theory, News & General
Topic: Is it worth diversifying with an EAFE index? No.
Replies: 55
Views: 8362

I just love all the excuses for home bias ... :twisted: Paul I'm in the early, early stages of investing, so my ratio of U.S. to international stocks is a little off (right now it's about 68/32), but in the next year or two, I plan on getting it to 80/20...I am thinking about 75/25. Anymore than th...
by deepdrive
Thu Mar 19, 2009 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion in Investment in Structured products
Replies: 11
Views: 2383

Re: Structured products ?

Hi abr: I follow the experienced advice of author and columnist, Jane Bryant Quinn: "Never buy anything whose price you can't follow in the newspapers. And even when the price is in the newspapers, you shouldn't buy anything too complex to explain to the average 12-year-old." Keep investing simple....
by deepdrive
Thu Mar 19, 2009 12:29 pm
Forum: Personal Consumer Issues
Topic: South Park or Family Guy?
Replies: 27
Views: 4272

Peter71, that one isn't even close to being one of the best.

The middle episodes were the best. The early ones took some time, as most shows, and the late ones, well, it seems like they're running out of funny things to write.
by deepdrive
Thu Mar 19, 2009 12:27 pm
Forum: Personal Consumer Issues
Topic: South Park or Family Guy?
Replies: 27
Views: 4272

Family Guy, not even close.
by deepdrive
Thu Mar 19, 2009 7:31 am
Forum: Investing - Theory, News & General
Topic: Taylor...asset allocation near or in retirement
Replies: 24
Views: 4845

DS, I've got everything in the sheet based on formulas, so all I have to do is play around with the inputs. I expect that I'll need about $2.5 million when I'm 65, assuming a 3% inflation rate. I have to try to figure out what my savings rate could be. It's easy to say just save more, but not so ea...
by deepdrive
Thu Mar 19, 2009 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Helping building long term Fidelity 401k Portfolio
Replies: 43
Views: 7687

Would anyone recommend going with Dreyfus Bond Market Index Basic ( MUTF:DBIRX) ER =0.15% instead of Vanguard Total Bond Market Index VBMFX ER=0.19%? I am new to this forum, but in my limited reading it appears some are skeptical of the vanguard fund because of its 40% MBS (mortgage security) expos...
by deepdrive
Wed Mar 18, 2009 5:56 pm
Forum: Investing - Theory, News & General
Topic: Taylor...asset allocation near or in retirement
Replies: 24
Views: 4845

DS, I've got everything in the sheet based on formulas, so all I have to do is play around with the inputs. I expect that I'll need about $2.5 million when I'm 65, assuming a 3% inflation rate. I have to try to figure out what my savings rate could be. It's easy to say just save more, but not so eas...
by deepdrive
Wed Mar 18, 2009 4:04 pm
Forum: Investing - Theory, News & General
Topic: Taylor...asset allocation near or in retirement
Replies: 24
Views: 4845

Could someone tell me if this sounds logical? I set up an Excel sheet, assuming 8% expected return for stocks and 4.5% expected return for bonds. I assumed an expense ratio for 0.60% per year, since I'll assume I'll always have some investments in a crappy 401(k) with higher expenses than Vanguard....
by deepdrive
Wed Mar 18, 2009 2:15 pm
Forum: Investing - Theory, News & General
Topic: Supreme Court to Weigh in on High Cost Mutual Funds
Replies: 8
Views: 2039

I have no problems with a company charging high fees, but a full disclosure law would be wonderful.
by deepdrive
Wed Mar 18, 2009 2:13 pm
Forum: Investing - Theory, News & General
Topic: Taylor...asset allocation near or in retirement
Replies: 24
Views: 4845

Could someone tell me if this sounds logical? I set up an Excel sheet, assuming 8% expected return for stocks and 4.5% expected return for bonds. I assumed an expense ratio for 0.60% per year, since I'll assume I'll always have some investments in a crappy 401(k) with higher expenses than Vanguard. ...
by deepdrive
Wed Mar 18, 2009 1:52 pm
Forum: Investing - Theory, News & General
Topic: Taylor...asset allocation near or in retirement
Replies: 24
Views: 4845

You're better off building a portfolio which produces stock and bond income of 4%, you never have to sell shares and the principal will last forever. The effect of having to sell stock shares in a down market is devastating on portfolio longevity. So basically 100% bonds? Seems a bit too conservati...
by deepdrive
Tue Mar 17, 2009 9:28 pm
Forum: Investing - Theory, News & General
Topic: Taylor...asset allocation near or in retirement
Replies: 24
Views: 4845

I was looking at Vanguard's retirement funds I see they are about 50/50 stock/bonds at age 65 Not Taylor,but I believe you are referring to the VG Target Retirement Funds,All TR funds are designed to be about 50/50 around the date on the fund. VG recommends that date corresponds,as close as possibl...
by deepdrive
Tue Mar 17, 2009 9:19 pm
Forum: Investing - Theory, News & General
Topic: Taylor...asset allocation near or in retirement
Replies: 24
Views: 4845

That's it! Thank you.
by deepdrive
Tue Mar 17, 2009 8:57 pm
Forum: Investing - Theory, News & General
Topic: Taylor...asset allocation near or in retirement
Replies: 24
Views: 4845

Taylor...asset allocation near or in retirement

Hi Taylor, I remember you posting a graph that showed probabilities of running out of money with different asset allocations in retirement. I was looking at Vanguard's retirement funds I see they are about 50/50 stock/bonds at age 65. At first glance that seems pretty aggressive, but the more I thin...
by deepdrive
Tue Mar 17, 2009 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: posting investment info - new kid on the block
Replies: 3
Views: 941

Check out the sticky posts at the top of the thread list.
by deepdrive
Tue Mar 17, 2009 5:46 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25853

Gregory House
Peter Griffin
Doug Heffernen