Search found 811 matches

by DartThrower
Fri Aug 10, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 91
Views: 8074

Re: The Bigger Story: Fidelity Expense Ratios

Based on my portfolio and your table I would save about $250 on expenses alone by switching from VG to Fido. However there would be capital gains on the after tax piece that would swamp the savings. In addition I would have to get to know the Fidelity culture, which by the posts I see on this site i...
by DartThrower
Mon Aug 06, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Your opinion on online courses?
Replies: 26
Views: 2048

Re: Your opinion on online courses?

I have taken a number of courses online for the purpose of continuing ed. About half of them were pretty good and half were sub-par. There is definitely a place for online education, and we're at a point where educators are experimenting with what is the best mix of in-person and online. I really ho...
by DartThrower
Mon Aug 06, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: Jamie Dimon: Higher rates are coming
Replies: 42
Views: 6524

Re: Jamie Dimon: Higher rates are coming

He may or may not be right about the level of future interest rates. That's the point. His proclamation provides no new information.
by DartThrower
Thu Aug 02, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett on buying & holding index funds
Replies: 11
Views: 2689

Re: Warren Buffett on buying & holding index funds

I am considerably better off financially because I listened to Buffett and Bogle, especially in 2008. When the politicians, bankers and the financial news outlets were in a panic, their calming words of wisdom were the true signal among the noise. There will be tough times ahead to be sure, but I kn...
by DartThrower
Tue Jul 31, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: DOOM!!!!! Morgan Stanley warns
Replies: 41
Views: 4775

Re: DOOM!!!!! Morgan Stanley warns

It's alright. Just do whatever Kanye and Kim do. They can beat the market and look a lot better than me doing it. :?

https://www.cnbc.com/2018/07/28/kanye-w ... rcent.html
by DartThrower
Mon Jul 30, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund is changing
Replies: 61
Views: 5504

Re: Vanguard Precious Metals and Mining Fund is changing

I love Vanguard. However, when it comes to "staying the course", that is something they tell others to do, but do not follow themselves. I am still unhappy about the change to what used to be the Tax Managed International Fund. It is no longer tax managed, but I am locked in. Same here. That's frus...
by DartThrower
Wed Jul 25, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: Historical returns for Total Bond Market, Inflation and S&P 500 Index
Replies: 12
Views: 2062

Re: Historical returns for Total Bond Market, Inflation and S&P 500 Index

The S&P was up in 2012 by about 16% but the chart is showing it as negative?
by DartThrower
Thu Jul 19, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: The joys of investing
Replies: 23
Views: 2871

Re: The joys of investing

Knowing that I can't consistently beat the market gives me a sense of humility. And yet I've done quite well over the years despite making some mistakes. This gives me a sense of gratitude to Jack Bogle, the Bogleheads and many others as well. There are so many people in my life who are on my side (...
by DartThrower
Wed Jul 11, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5687

Re: Anyone take naps at work?

Back in the days when I was exercising vigorously for competitions I used to nap in the afternoon the day after a hard workout despite trying hard not to. These days I don't work out nearly as often or as hard and I feel the need to nap much less. Most of the time I can fight it off and just plug al...
by DartThrower
Tue Jul 10, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: Dow 40000 prediction for 2025
Replies: 44
Views: 4035

Re: Dow 40000 prediction for 2025

cfs wrote:
Tue Jul 10, 2018 12:35 pm
Houston we have a problem.

-- We have one thread telling us to get ready for a LOST decade.
-- We have this thread telling us to get ready for Dow 40k in seven years.

Which one is correct?

Gracias por leer ~cfs~
Awesome observation cfs. You nailed it! :sharebeer
by DartThrower
Fri Jul 06, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3653
Views: 1037838

Re: What Movie Have You Recently Watched?

"The Man Who Knew Infinity". I read the book 20 years ago and the movie was a great adaptation. I wonder what great contributions this man would have made had he only lived longer. Even my GF liked the movie and she hates math.
by DartThrower
Fri Jul 06, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Tire experts? Can I trust a patched tire?
Replies: 47
Views: 4108

Re: Tire experts? Can I trust a patched tire?

I had a flat on New Year's eve 2017. Took my car to the Toyota dealer and the mechanic there patched it and told me everything was just fine. About a week later his boss called me and told me I needed new tires. It's 6 months later and the boss is still waiting for my return call. The tire hasn't lo...
by DartThrower
Fri Jul 06, 2018 6:33 am
Forum: Personal Consumer Issues
Topic: A few MOOC gripes
Replies: 7
Views: 1081

Re: A few MOOC gripes

Also btw, since this is an investing forum, at some level we should all be a bit appreciative of that to a certain extent. For the for-profit companies, those in charge and making the rules about "closing windows", etc. are legally obligated to do what's in our interest as investors.... (Just sayin...
by DartThrower
Thu Jul 05, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: A few MOOC gripes
Replies: 7
Views: 1081

Re: A few MOOC gripes

Thanks for the replies. I don't believe the auditing option was available for the Coursera course, but in future I will be sure to try that approach first when available.

As far as the Microsoft sponsored courses go on edX I think I will just stay away.
by DartThrower
Thu Jul 05, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: A few MOOC gripes
Replies: 7
Views: 1081

A few MOOC gripes

I have taken about 15 MOOC courses mostly through Coursera as well as a few through edX. Out of those 15 I have completed about 10. Usually it's my busy schedule that keeps me from completing a course. Recently I signed up for the 7 day free trial to take a course on Coursera that I only had a mild ...
by DartThrower
Thu Jul 05, 2018 12:14 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: 5262

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

tc101 wrote:
Thu Jul 05, 2018 11:58 am
I am in withdrawal phase. Even a 3% real return makes a 4% withdrawal very safe.
The 3 - 5% rate mentioned by the OP is nominal. Is your 4% nominal or real? If inflation is 2% then a 3% actual real return over the next 10 years translates into the top end of the nominal range.
by DartThrower
Fri Jun 29, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: "How to invest without regret" - Daniel Kahneman
Replies: 20
Views: 2788

Re: "How to invest without regret" - Daniel Kahneman

I see my stocks and bonds as an integrated whole. No need for mental accounting of any kind ever. Mental accounting makes one prone to rationalizing poor investment decisions. For instance one might be tempted to run up credit card debt because "at least my bond portfolio is safe".

YMMV.
by DartThrower
Wed Jun 27, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7315

Re: Are we just way over complicating this?

The Boglehead philosophy is a fairly holistic one. It addresses both investing and other important areas like living within one's means. The easy thing to do is think about the perfect combination of investments that will put us on a path to achieving wealth via return on (often passive) investment....
by DartThrower
Fri May 04, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 50
Views: 13001

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: 5242

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: 13001

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: 13001

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: 6224

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: 113
Views: 26371

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: 6750
Views: 1466777

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: 6750
Views: 1466777

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: 1957

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: 317

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: 10100

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: 14589

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: 14589

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: 14589

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: 14589

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: 7187

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: 8475

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: 1801

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: 162
Views: 36090

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: 4482

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: 202
Views: 32963

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: 7033

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: 3694

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: 8743

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: 5595

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: 5595

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: 9265

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: 4516

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: 3192

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: 7043

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: 7043

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 ...