Search found 793 matches

by DartThrower
Fri May 04, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 50
Views: 12795

Re: Anyone feel like talking "R"

Dplyr and lubridate are part of Hadley Wickham Tidyverse. It is almost better to learn the entire paradigm rather than piece by piece. This way, the ways in which it takes over Base R becomes clearer. The best book is available online here: http://r4ds.had.co.nz/ As someone who uses Python and R ev...
by DartThrower
Fri May 04, 2018 10:11 am
Forum: Investing - Theory, News & General
Topic: Retirees Never Had It Better
Replies: 31
Views: 5120

Re: Retirees Never Had It Better

The answer is simple. Rename the article to "Rich Retirees Never Had it Better".
by DartThrower
Thu Mar 29, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 50
Views: 12795

Re: Anyone feel like talking "R"

Has anyone else here on Bogleheads started learning R or Python since this thread was last active? I continue to plug away with R and I'm very much enjoying the experience of learning something new. I have been working my way though the R classes at edx.org / HarvedX. They are o.k. My one comment i...
by DartThrower
Thu Mar 29, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 50
Views: 12795

Re: Anyone feel like talking "R"

I just thought I would revisit this topic if anyone is interested in discussing. After learning the basics of the language I'm still unsure how to tell which packages are good and which should be avoided. With SAS you can be pretty confident in any procedure. You just have to know which procedure wi...
by DartThrower
Wed Mar 28, 2018 4:21 pm
Forum: Investing - Theory, News & General
Topic: Should I be worried about the S&P Index fund ?
Replies: 51
Views: 5951

Re: Should I be worried about the S&P Index fund ?

Vanguard's TSM index (VTSAX) fund only has 18% of assets in its top 10 holdings, including those you mentioned (except for Netflix which is farther down on the list). Also, as others have mentioned, have some international and a little tilt to mid cap and small cap if you like. But keeping costs low...
by DartThrower
Fri Mar 09, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 22088

Re: 2018 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Having been able to attend in 2016 and 2017, we would love to join you again this year; however, we decided after last year’s conference we would sit out this year so some other newbies could attend. It was truly an eye opening and life changing event for us and we hope whoever takes our places thi...
by DartThrower
Mon Feb 05, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6630
Views: 1431246

Re: U.S. stocks in freefall

an_asker wrote:
Mon Feb 05, 2018 3:27 pm
DartThrower wrote:
Mon Feb 05, 2018 3:24 pm
The last time the market was this fragile was in the fall of 2008 just after the Philadelphia Phillies won the World Series. Ut oh... :oops:
Yeah, let's blame it on Philadelphia ;-)
Watch out, the Flyers may make a run at the cup this year too! :twisted:
by DartThrower
Mon Feb 05, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6630
Views: 1431246

Re: U.S. stocks in freefall

The last time the market was this fragile was in the fall of 2008 just after the Philadelphia Phillies won the World Series. Ut oh... :oops:
by DartThrower
Wed Jan 17, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Is a Stable Value fund just a Variable Annuity?
Replies: 25
Views: 1868

Re: Is a Stable Value fund just a Variable Annuity?

I have the opportunity to purchase TIAA Traditional through work, but have not done so. I'm still trying to make sense of the apparent ability of the product to yield higher than an intermediate bond fund and also maintain a stable value. Isn't there always a trade-off between risk and return? I'm a...
by DartThrower
Fri Jan 12, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Hedge Fund Losing Persists
Replies: 1
Views: 303

Re: Larry Swedroe: Hedge Fund Losing Persists

Given the evidence, it’s a puzzle why hedge funds are still managing about $3 trillion in assets.
It's the awesome power of salesmanship.

2 and 20 fees on $3T is north of $60B.
by DartThrower
Fri Jan 05, 2018 4:09 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 149
Views: 8731

Re: Misuse of adverse

People may be averse to changing adverse to averse, or it could be the reverse, causing people to become terse. What could be worse?
by DartThrower
Thu Dec 28, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 14267

Re: Ally Bank 12 month CD now 2.00%

Vanguard ST Treasury Bond Index is at an SEC yield of 1.78% (Admiral Shares VSBSX)
by DartThrower
Thu Dec 28, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 14267

Re: Ally Bank 12 month CD now 2.00%

tmfmishap wrote:
Wed Dec 27, 2017 7:03 pm
Why not go with vmsxx vanguard tax free muni mm fund at 1.21%? Pretax equivalent is 2% with liquidity.
Not if you're in a lower tax bracket. Correct?
by DartThrower
Wed Dec 27, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 14267

Re: Ally Bank 12 month CD now 2.00%

With a rate this good some delay is worth it. My friend who is trying to purchase this CD has never used an online bank however. I told him how Ally gets good ratings on customer service but he doesn't understand why at the moment.
by DartThrower
Wed Dec 27, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 14267

Re: Ally Bank 12 month CD now 2.00%

Has anyone had trouble contacting Ally recently? I know someone who is having trouble getting through today.
by DartThrower
Fri Dec 15, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 58
Views: 6963

Re: Kidde fire extinguisher recall

I took mine back to the Home Depot where I bought it. They had no problem swapping out. I was there shopping for other things anyway so it wasn't an extra trip.
by DartThrower
Tue Nov 28, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs TIAA-CREF for new retirement account
Replies: 23
Views: 7475

Re: Fidelity vs TIAA-CREF for new retirement account

hmm Based on what I have heard thus far, it makes some sense to have the TIAA stuff. I spoke with my retirement folks, and after getting some clarification on their end, it sounds like I can max out my 457, and will only have access to the mandatory 403b, which will not conform to the typical 403b ...
by DartThrower
Wed Nov 15, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Shiller's Concern on Passive Investing
Replies: 10
Views: 1753

Re: Shiller's Concern on Passive Investing

I take issue with Shiller's analogy between index investing and driving through a green light without looking for cross traffic. That analogy would be more appropriate for active investors who may not be aware of high advisor fees, transactions costs, the detrimental impact of their emotions, tax in...
by DartThrower
Sun Nov 12, 2017 3:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Philadelphia PA Area Bogleheads Chapter
Replies: 158
Views: 33956

Re: Master Thread for Philadelphia PA Area Bogleheads Chapter

I just wanted to stop by and thank our chapter coordinator and presenters for the outstanding meeting we had yesterday. It was both fun and very informative. One of our best meetings ever! The two hours really flew by.
by DartThrower
Wed Nov 01, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: Sell in May and go away - not this year?
Replies: 20
Views: 4428

Re: Sell in May and go away - not this year?

Market is up 8.3% in the past 6 months. Guess this year was another instance where "sell in may and go away" didn't work. Incredibly, a recent article on CNBC uses the lesson of the failure of the "sell in May" adage to ... wait for it... make another market prediction! According to the article: "T...
by DartThrower
Wed Oct 25, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 95
Views: 17839

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

This sounds like it's going to be a great book. I have been intrigued by the Three-Fund Portfolio for a long time and try to move my own portfolio in that direction whenever it makes sense. I look forward to reading a more detailed reasoning behind the approach. This analogy cracked me up: Wow. What...
by DartThrower
Fri Oct 20, 2017 7:12 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 6837

Re: Is a crash coming soon?

I'm curious as to why so many investors seem more worried about an outright crash than a grinding, prolonged 20+% decline. Money seems to just vaporize in a sharp drop and that has a significant emotional aspect to it. But a slow and demoralizing decline doesn't seem to capture the imagination. Afte...
by DartThrower
Tue Oct 17, 2017 7:27 am
Forum: Investing - Theory, News & General
Topic: 30th Anniversary of October 19, 1987 stock market crash
Replies: 36
Views: 3598

Re: 30th Anniversary of October 19, 1987 stock market crash

In October 1987 I was lucky enough to be transitioning from my first ever real job to my second. I had this thing called a "401k" or something like that. During the period while it was being rolled over into an IRA the crash happened. All the money was in a money market account while transitioning. ...
by DartThrower
Wed Oct 04, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: Peter L. Bernstein: Cash BETTER than Bonds
Replies: 64
Views: 8630

Re: Peter L. Bernstein: Cash BETTER than Bonds

I'm just curious why no one has mentioned short term TIPS. They should reduce inflation risk and have zero default risk. They have most of the benefits of cash but keep up with inflation, no?
by DartThrower
Thu Sep 14, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: Patience is very important to profit from the stock market
Replies: 41
Views: 5467

Re: Patience is very important to profit from the stock market

... I then spoke with a rep from Fidelity asking them why they show, by default, a comparison of a mixed stock/bond portfolio to the S&P. The rep admitted that it could be quite misleading and basically empathized. ... Did the Fidelity rep say why they do this by default and apparently with no expl...
by DartThrower
Wed Sep 13, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: Patience is very important to profit from the stock market
Replies: 41
Views: 5467

Re: Patience is very important to profit from the stock market

I helped someone set up a portfolio using stock and bond index funds at Fidelity. The portfolio had a mix that was appropriate for her risk tolerance and objectives. We discussed this all at great length. She was pretty happy with the portfolio and seemed to "get" index investing. That was early 201...
by DartThrower
Thu Sep 07, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: Ally savings rate raised to 1.20%
Replies: 51
Views: 9083

Re: Ally savings rate raised to 1.20%

I just checked Vanguard's website and the SEC yield on Short Term Inflation protect securities (VTAPX) is about 0%. With inflation at about 1.5% isn't this all just about a wash return wise, but with VTAPX you get inflation protection to boot? Inflation and real rates are currently so low that taxes...
by DartThrower
Tue Aug 29, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 4392

Re: Beginner Mountain Bike

I understand that this time of year is good for finding deals, so shop around and see if there are any 2017 models on sale as clearance. It's similar to car shopping.
by DartThrower
Thu Aug 24, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Buying property in France
Replies: 27
Views: 3052

Re: Buying property in France

Frankly I find everything she posts about the French real estate system shocking!!! It can take MONTHS to close anything and that is considered normal not a darn thing will happen regarding real estate during the month of Aug. Taxes are mind boggling and from what she posted the rents will just bar...
by DartThrower
Thu Aug 17, 2017 7:14 am
Forum: Investing - Theory, News & General
Topic: Market timing alert !!
Replies: 30
Views: 6952

Re: Market timing alert !!

This all reminds me of the day I invested a nice inheritance I received: September 12, 2008. :oops: True story. All's well that ends well I guess. :wink: I can't imagine, honestly. That must have been horrible. It certainly puts things into perspective though. Did you out and keep buying through th...
by DartThrower
Wed Aug 16, 2017 2:35 pm
Forum: Investing - Theory, News & General
Topic: Market timing alert !!
Replies: 30
Views: 6952

Re: Market timing alert !!

I have to cash out 1/3rd of my portfolio to roll it over. I expect to do this in the next two weeks. So expect a significant correction before then, followed by a full recovery before my money goes back into the market a few weeks after that. There, I warned you all. I changed jobs just before the ...
by DartThrower
Wed Aug 16, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: Market timing alert !!
Replies: 30
Views: 6952

Re: Market timing alert !!

This all reminds me of the day I invested a nice inheritance I received: September 12, 2008.
:oops:

True story. All's well that ends well I guess. :wink:
by DartThrower
Wed Jul 19, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Solar powered shed lighting
Replies: 6
Views: 965

Re: Solar powered shed lighting

Have no experience but have a shed. We use a battery powered LED lantern that we found in the camping section of as big box store. Works great! I would worry about my solar set up getting stolen. Solar power setups like I'm talking about aren't that expensive so I am not too worried about there bei...
by DartThrower
Tue Jul 18, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Solar powered shed lighting
Replies: 6
Views: 965

Solar powered shed lighting

Has anyone had experience with installing basic interior solar lighting for a shed? I just purchased a 10x10 shed and would prefer to light it with solar power if possible instead of running power out from the house. Are there any particular brands or models that you have been happy with? There are ...
by DartThrower
Tue Jul 18, 2017 4:46 am
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 50
Views: 12795

Re: Anyone feel like talking "R"

i just learned a bit of R, i like the way they have packages for literally everything. im now diving into Python, and not enjoying it as much. i don't come from a programming background, so R kind of was a good fit. shiny app is pretty cool to mess with. visualizations are great as well. what are s...
by DartThrower
Mon Jul 17, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 50
Views: 12795

Re: Anyone feel like talking "R"

And with RMarkdown, you can actually write your paper (or slidedeck) in R, with the underlying code that creates the results actually embedded in the document itself! Rather than having R scripts that create charts and provide results, which you then collect and manually put into a separately-creat...
by DartThrower
Fri Jul 07, 2017 12:19 pm
Forum: Investing - Theory, News & General
Topic: What is a "sleeve"?
Replies: 34
Views: 4258

Re: What is a "sleeve"?

I tried to put a collar on a sleeve once, but I was afraid of being taken away in cuffs. :shock:
by DartThrower
Thu Jul 06, 2017 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do you keep a balance in your settlement fund?
Replies: 30
Views: 4249

Re: Do you keep a balance in your settlement fund?

Under the old system, you could keep a $0 balance in your settlement acct. and they would automatically transfer the exact amount of money from your Prime MM to cover any check you wrote. Under the new "upgrade", that's no longer true. If you don't have enough $$ in your settlement acct., your chec...
by DartThrower
Thu Jul 06, 2017 3:42 am
Forum: Personal Finance (Not Investing)
Topic: Do you keep a balance in your settlement fund?
Replies: 30
Views: 4249

Do you keep a balance in your settlement fund?

Hi all. I have recently converted all my Vanguard funds over to brokerage. Everything seems to be working fine. I'm trying to decide whether to keep a small balance in my settlement fund, say $1000, to have some quick cash available to supplement my bank checking and savings. I do have check writing...
by DartThrower
Tue Jun 27, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 50
Views: 12795

Re: Anyone feel like talking "R"

I will say this, if given a choice between Excel and R I would chose R. R is a statistical package that is meant to interface with data sets. This means there is a robustness to the output. You can get that in Excel but not necessarily. I have seen Excel do some incredible things - like acting like...
by DartThrower
Tue Jun 27, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 50
Views: 12795

Re: Anyone feel like talking "R"

Does anyone have an opinion on the advantages/disadvantages of R versus EXCEL? The most compelling thing I have read in blogs is that R source code is reproducible meaning (I think) that the same code can be run on a variety of different data sets. And R shows the data and analysis separately which ...
by DartThrower
Sun Jun 25, 2017 8:50 am
Forum: Investing - Theory, News & General
Topic: Robots Are Eating Money Managers’ Lunch
Replies: 23
Views: 4463

Re: Robots Are Eating Money Managers’ Lunch

While I am generally loathe so say "this time is different" after reading "The Rise Of The Robots" and then seeing this article as an example of scenarios discussed in the book it does feel like automation is eliminating jobs (including jobs requiring a lot of expertise) at an unprecedented rate. I...
by DartThrower
Sun Jun 25, 2017 5:54 am
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 98
Views: 15222

Re: [Virtual online chapter - Master thread]

lazylarry,

Thanks for putting in the work to get this off the ground. You're going to need a new name! :sharebeer
by DartThrower
Sun Jun 25, 2017 5:36 am
Forum: Investing - Theory, News & General
Topic: Total World expense ratio lowered
Replies: 38
Views: 8733

Re: Total World expense ratio lowered

With VTI at .04% and VXUS at .11% I would expect VT (or its fund equivalent) to eventually cost somewhere just under .10%. Until then I will keep the seperate funds. My entire life savings is now invested at an expense of .07% and I want to keep it that way.
by DartThrower
Fri Jun 23, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Actuary Career - Thoughts Please
Replies: 20
Views: 3449

Re: Actuary Career - Thoughts Please

I got a master's in stat and then came into the actuarial field in the 80s. Since around 2000 I moved on to do healthcare statistics on the clinical side. I do agree with how the previous posts characterize the actuarial field and so I will try to add a new perspective and not just echo theirs. Back...
by DartThrower
Wed Jun 14, 2017 3:25 pm
Forum: Investing - Theory, News & General
Topic: Formulas for International Stock Allocation
Replies: 8
Views: 1596

Re: Formulas for International Stock Allocation

It's too complicated for me. I would set a reasonable proportion of International, say 30% of equities, and stick with it for life. I would be much more likely to stick with a plan that is extremely simple. There doesn't seem to be much expected benefit from fine tuning this. On the other hand, redu...
by DartThrower
Fri Jun 09, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 14284

Re: Jim Rogers predicting "crash of a lifetime" this year or next

mrc wrote:Who is Jim Rogers? :wink:
I think he's the one who says "booyah skeedaddy". Oh wait... that might have been ROY Rogers.
by DartThrower
Thu Jun 08, 2017 5:59 am
Forum: Personal Consumer Issues
Topic: Grand Canyon in May. Booked already!
Replies: 30
Views: 4197

Re: Grand Canyon in May. Booked already!

I just wanted to say thanks for all the great advice. We all had a wonderful time. It was the first time there for everyone in our group (except me). The weather was great and it was surprisingly not too crowded considering it was peak time of year. Even though I have been to Sedona, I never climbed...
by DartThrower
Tue May 16, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: Best argument you've heard against passive/for active?
Replies: 49
Views: 5508

Re: Best argument you've heard against passive/for active?

I am stunned that no one has yet mentioned the Oracle. Just find someone with a 180 IQ and with the drive, temperament, investing acumen and integrity to provide you with out-sized returns. For my part I forego the search and settle for index funds. But keep in mind that it's not just about low cost...