Search found 2533 matches

by GammaPoint
Wed Jul 08, 2015 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Why do Morningstar and Vanguard.com differ in how much EM VXUS has?
Replies: 3
Views: 364

Why do Morningstar and Vanguard.com differ in how much EM VXUS has?

If you look on Vanguard's website for VXUS ( https://personal.vanguard.com/us/funds/snapshot?FundId=3369&FundIntExt=INT#tab=2 ) it says that, as of 5/31/15, the fund has 18.8% allocation to emerging markets. On the other hand, if you look at Morningstar ( http://portfolios.morningstar.com/fund/s...
by GammaPoint
Thu Apr 16, 2015 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Etsy IPO account access
Replies: 6
Views: 1065

Re: Etsy IPO account access

IPOs are typically underperforming investments, so I avoid them.
by GammaPoint
Thu Nov 06, 2014 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Possible to contribute after-tax to plan to get match?
Replies: 9
Views: 1199

Re: Possible to contribute after-tax to plan to get match?

This is true. Your salary for this purpose is the actual salary earned during your first year of employment, not your stated annual salary for a full year. Thanks tfb. When I called in they verified that this was true -- the 6% matching is done per paycheck, which means it's effectively pro-rated t...
by GammaPoint
Tue Nov 04, 2014 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Possible to contribute after-tax to plan to get match?
Replies: 9
Views: 1199

Re: Possible to contribute after-tax to plan to get match?

Leeraar wrote:The simplest, it seems to me, is to contribute to Plan B whatever you need to get the match. Then, if you do have excess total contributions, get them out of Plan A.


Thanks for your advice! It does seem like this will be an option, and is what I'm currently planning on doing.
by GammaPoint
Mon Nov 03, 2014 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Possible to contribute after-tax to plan to get match?
Replies: 9
Views: 1199

Re: Possible to contribute after-tax to plan to get match?

Thank you all for your feedback. As you all indicate, there's lots of information I need to glean from my plan administrator to figure out what's possible, but I wanted to get a 'first opinion' here before I got theirs. Some clarifications and comments: 1). When I said 6% match, I meant 100% match u...
by GammaPoint
Sun Nov 02, 2014 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Possible to contribute after-tax to plan to get match?
Replies: 9
Views: 1199

Possible to contribute after-tax to plan to get match?

I recently switched jobs from a university employer (as a postdoc) which gave me zero match on my retirement contributions, to a industry employer which gives me a 6% match on contributions. The problem is that about $13k of my $17.5k annual 401(k) limit was made as a postdoc and I received zero mat...
by GammaPoint
Thu Jan 24, 2013 6:18 pm
Forum: Personal Consumer Issues
Topic: Anybody here go all-Linux for personal computing?
Replies: 83
Views: 6127

Re: Anybody here go all-Linux for personal computing?

All my computers (both work and personal) run Xubuntu. I boot into Windows using VirtualBox because I need to run iTunes to put music on my Touch, but that's all I use it for. If I didn't have to use iTunes I would never log onto anything but linux.
by GammaPoint
Wed Jan 02, 2013 9:12 pm
Forum: Investing - Theory, News & General
Topic: Excellent outlook on the economy from Vanguard
Replies: 15
Views: 3711

Re: Excellent outlook on the economy from Vanguard

Sorry for the comment. I was referring to his paraphrase of Krugman that only the people that own the robots will get rich. I have read several of Krugman's books, include CONSCIENCE OF A Liberal, and I know his philosophy. This forum does not allow much debate on that so I apologize for the statem...
by GammaPoint
Wed Jan 02, 2013 7:24 pm
Forum: Investing - Theory, News & General
Topic: Excellent outlook on the economy from Vanguard
Replies: 15
Views: 3711

Re: Excellent outlook on the economy from Vanguard

See this piece by Paul Krugman ... Smart machines may make higher GDP possible, but also reduce the demand for people -- including smart people. So we could be looking at a society that grows ever richer, but in which all the gains in wealth accrue to whoever owns the robots. ...and this response b...
by GammaPoint
Sat Aug 25, 2012 1:12 pm
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 8565

Re: Large Value tilt?

I have a separate large value allocation, although I tilt to small value more.
by GammaPoint
Sat Aug 25, 2012 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of silver. I'm new to this
Replies: 18
Views: 1944

Re: Thinking of silver. I'm new to this

The best answer of course is to spend some time learning about investing through the resources available and recommended on this forum. If it helps motivate you any more, let me just say that I'm almost 30 years old and have been in school the entire time (PhD and now postdoc in physics). However, o...
by GammaPoint
Sat Aug 25, 2012 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of silver. I'm new to this
Replies: 18
Views: 1944

Re: Thinking of silver. I'm new to this

NevadaMarine, All good advice being given here. If there were a lot of intelligent people on here who could tell you that silver was a really good investment right now and was underpriced, wouldn't they likely just pile a lot of their money into it until the price rose? This is true for all investme...
by GammaPoint
Mon Aug 20, 2012 8:30 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1473136

Re: What Book Are You Currently Reading? Part V

The Physics of Solar Cells, by Jenny Nelson. The book isn't great and has a number of typos, but I am learning some stuff I should already know but never actually learned.
by GammaPoint
Sat Aug 04, 2012 8:34 pm
Forum: Personal Consumer Issues
Topic: Do you tip at self-serve restaurants?
Replies: 49
Views: 10674

Re: Do you tip at self-serve restaurants?

That tip line on the credit card authorization has really been popping up almost everywhere in the past, I dunno, 10 years. Sometimes it's even at places that just seem absolutely absurd for it to be. So no, I definitely do not tip at these types of self-service places unless something out of the or...
by GammaPoint
Fri Jun 15, 2012 7:33 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with expensive hobbies
Replies: 57
Views: 6312

Re: Bogleheads with expensive hobbies

I have an expensive bike, like to travel, and like to eat at moderately expensive restaurants (~$60/person range).
by GammaPoint
Thu Jun 14, 2012 10:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Experience / Lunch with Jack Bogle
Replies: 21
Views: 3206

Re: My Experience / Lunch with Jack Bogle

Thanks for the detailed write-up! Sounds fun.
by GammaPoint
Thu Jun 14, 2012 11:23 am
Forum: Personal Consumer Issues
Topic: Armstrong and doping
Replies: 2
Views: 495

Armstrong and doping

m Just saw this in the news this morning. Will Lance finally pay for the doping that he almost surely committed to win his TdF titles? While I personally think that cycling will continue to struggle with doping, I think taking down the most famous offender will at least help somewhat in these efforts.
by GammaPoint
Wed Jun 13, 2012 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy League Myths Uprooted
Replies: 288
Views: 22737

Re: Ivy League Myths Uprooted

I went to Texas A&M for undergrad, which is one of the cheap schools the article mentions. Doing so did not prevent me from getting my PhD from UC Berkeley and going on to a postdoc at Harvard. My Texas A&M undergrad education may have been somewhat worse than that of my fellow graduate stud...
by GammaPoint
Wed Jun 13, 2012 11:30 am
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 150
Views: 15062

Re: Books that have actually changed your life, in a way.

I've read many good books, but can think of a couple that were much more transformative than the rest. First, Bertrand Russel's Why I am Not a Christian . Buying this book and smuggling it into my house in a small-town in Oklahoma when I was a teenager gave me access to a discussion that no one else...
by GammaPoint
Tue Jun 12, 2012 12:48 pm
Forum: Investing - Theory, News & General
Topic: Which is most "on sale?" VBMFX, VTSMX, VGTSX?
Replies: 73
Views: 7622

Re: Which is most "on sale?" VBMFX, VTSMX, VGTSX?

I just let my AA tell me what's "undervalued". It's much easier than thinking about all this stuff, and probably has just of great if not greater chance of success.
by GammaPoint
Tue Jun 05, 2012 11:38 am
Forum: Investing - Theory, News & General
Topic: Does it worry you that you don't get a proxy vote?
Replies: 44
Views: 2410

Re: Does it worry you that you don't get a proxy vote?

I support that solution. But I will insist that those who prefer to vote their own shares pay for the administration of that program. So there will be two classes of each index fund. One - with razor thin ER - for those who trust fund management, and another with a higher ER for those who prefer to...
by GammaPoint
Mon Jun 04, 2012 8:12 pm
Forum: Investing - Theory, News & General
Topic: Does it worry you that you don't get a proxy vote?
Replies: 44
Views: 2410

Re: Does it worry you that you don't get a proxy vote?

I hold the executives to the same standard as I do the 22-year old high school graduate NBA player making $10 million per year. I think that's a bad comparison to make. Sports are highly competitive. Michael Jordan and Wayne Gretzky were quite likely during their reigns the absolute best players in...
by GammaPoint
Mon Jun 04, 2012 4:01 pm
Forum: Investing - Theory, News & General
Topic: Does it worry you that you don't get a proxy vote?
Replies: 44
Views: 2410

Re: Does it worry you that you don't get a proxy vote?

"Pay for performance... Pay within reason... Listen.... Comply AND Communicate.... Encourage stock ownership.... Minimize guarantees.... Lead by example." The question is... well, I believe I'll write them at that email address and ask them if they can name some companies on which they've...
by GammaPoint
Mon Jun 04, 2012 2:46 pm
Forum: Forum Issues and Administration
Topic: [Problem with] forum format, or bugs?
Replies: 49
Views: 3860

Re: [Problem with] forum format, or bugs?

IE10 is displaying this on one machine, but not another. That's even weirder. I'm thinking the machine not seeing the issue probably has the style sheet cached from use over the weekend, while the one that's been off all weekend is pulling it fresh. Using the developer bar, it looks like it's falli...
by GammaPoint
Mon Jun 04, 2012 2:31 pm
Forum: Investing - Theory, News & General
Topic: Does it worry you that you don't get a proxy vote?
Replies: 44
Views: 2410

Re: Does it worry you that you don't get a proxy vote?

xerty24 wrote:
It's fun as a recreational exercise of course, but the odds of your vote being the deciding vote in an election are astronomically small as one among hundreds of millions of votes.


No, I know. I wasn't being sarcastic in the above, I was actually agreeing with you.
by GammaPoint
Mon Jun 04, 2012 2:07 pm
Forum: Investing - Theory, News & General
Topic: Does it worry you that you don't get a proxy vote?
Replies: 44
Views: 2410

Re: Does it worry you that you don't get a proxy vote?

bottlecap wrote:, but Vanguard wants the companies that their funds invest in to do well, too.


Why do you say this? If the companies they invest in are the market, then it's not like you can switch providers and get a better set of companies.
by GammaPoint
Mon Jun 04, 2012 1:45 pm
Forum: Investing - Theory, News & General
Topic: Does it worry you that you don't get a proxy vote?
Replies: 44
Views: 2410

Re: Does it worry you that you don't get a proxy vote?

Your vote doesn't matter in company elections, just like it doesn't matter in national ones. Sad but true. Meh, yeah. Activism usually leads to frustration and disillusionment anyway. Best to focus on enjoying life before this house of cards called civilization comes falling down from one cause or ...
by GammaPoint
Mon Jun 04, 2012 12:18 pm
Forum: Investing - Theory, News & General
Topic: Market tanking, great opportunity to invest!
Replies: 61
Views: 7118

Re: Market tanking, great opportunity to invest!

I don't believe anyone knows whether something is 'undervalued' or 'overvalued' (what do these things really even mean?). But stocks are cheaper today than they were last month. I bought stocks last month at a higher price, so I'm ever happier to buy now at a lower price. Sure, there's some more inf...
by GammaPoint
Mon Jun 04, 2012 12:12 pm
Forum: Investing - Theory, News & General
Topic: Does it worry you that you don't get a proxy vote?
Replies: 44
Views: 2410

Does it worry you that you don't get a proxy vote?

I've been reading 'The House that Bogle Built' over the past few days, and am almost done with it. I don't want to talk about the book, but rather something brought up in the book that I hadn't given much particular thought to before. The issue is regarding our lack of proxy voting power as index fu...
by GammaPoint
Mon Jun 04, 2012 11:53 am
Forum: Forum Issues and Administration
Topic: [Problem with] forum format, or bugs?
Replies: 49
Views: 3860

Re: changes to forum format, or bugs?

I'm running on Ubuntu and I have the same problem with Firefox. My Chrome browser works fine though. Well, avatars aren't showing up, but it's much better than Firefox.
by GammaPoint
Sun Jun 03, 2012 5:35 pm
Forum: Personal Consumer Issues
Topic: Which edition of investing book to purchase?
Replies: 8
Views: 701

Re: Which edition of investing book to purchase?

I'd buy the newer one. If you're going to play the 'which is cheaper' game, you should just go read it at the library which is the best option for that.
by GammaPoint
Sun Jun 03, 2012 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Financial advisor vs going solo
Replies: 24
Views: 1945

Re: Financial advisor vs going solo

Sure, it might be as easy as grocery shopping. But imagine you're grocery shopping in a foreign country and you can't read any of the labels. That's how most people feel about investing. Fair enough. But I think people should equally worried that they'll make a big mistake in choosing their investm...
by GammaPoint
Sun Jun 03, 2012 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Financial advisor vs going solo
Replies: 24
Views: 1945

Re: Financial advisor vs going solo

Managing your own money makes a huge difference, and I don't think there are many circumstances where a 'professional' money manager helps at all. It's trivial to do, and when you understand the details (all of which are available here in the forums and by reading just a few short books) it'll anger...
by GammaPoint
Sun Jun 03, 2012 12:07 pm
Forum: Investing - Theory, News & General
Topic: How risk averse are you?
Replies: 17
Views: 2075

Re: How risk averse are you?

With regards to financial matters, I'm pretty risk tolerant. This is because I have low financial requirements to be happy. If things don't work out perfectly and I'm not a millionaire, then meh..... OTOH, with regards to things like health and safety, I'm much more risk averse. For example, I doubt...
by GammaPoint
Sat Jun 02, 2012 11:46 am
Forum: Investing - Theory, News & General
Topic: Should I buy Facebook?
Replies: 21
Views: 2393

Re: Should I buy Facebook?

here is no excellent reason to believe any one stock will outperform the extended market index over the next 10 years that is not the only benchmark out there. I would certainly be willling to wager$1 with up to 5 people in this forum that there will be some point in time between June 6 2013 (I wan...
by GammaPoint
Sat Jun 02, 2012 11:41 am
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads tend to hold more bonds?
Replies: 67
Views: 11019

Re: Why do Bogleheads tend to hold more bonds?

When giving investing advice, BHs tend to recommend more bonds because on average, most people probably overestimate their risk tolerance. In this sense, the proper corrective advice is to tend toward being more conservative, in order to counter the excessively aggressive nature of investors when th...
by GammaPoint
Sat Jun 02, 2012 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Target: Own 0.000001% of the world stock market by 2030
Replies: 19
Views: 2583

Re: Target: Own 0.000001% of the world stock market by 2030

Owning more of the world's market, or rather, increasing my percentile is something that I definitely think about. Since I'm fairly young (29), this type of thinking coupled with thoughts that over the long-term my shares will likely appreciate (or at least not lose value relative to inflation) allo...
by GammaPoint
Fri May 18, 2012 3:46 pm
Forum: Investing - Theory, News & General
Topic: Facebook: The smart money exits
Replies: 96
Views: 10854

Re: I got your smart money

I got in at $41 a share and out at $41.50. I bought and sold 12 shares, thereby pocketing a cool $6. And the best part is that I was trading in my Roth, so the capital gains are tax free . That was my first time ever trading an individual stock. Felt like I had to be a part of the ridiculousness of...
by GammaPoint
Fri May 18, 2012 3:29 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on current market climate
Replies: 46
Views: 5020

Re: Thoughts on current market climate

its interesting that us market (s&p and dow jones) is down only 7-9% from its 52 week high, but world markets are down a lot more. world markets are down around 20% or more. who knows what does this mean? does this mean us market is inflated or us is doing significantly better than rest of the ...
by GammaPoint
Fri May 18, 2012 3:28 pm
Forum: Investing - Theory, News & General
Topic: Facebook: The smart money exits
Replies: 96
Views: 10854

Re: Facebook: The smart money exits

The value seemed pegged around $38 for quite some time near the close. I guess a bunch of buy orders were sitting around that price. Wonder if there was any effort put into keeping it above the opening for PR purposes...
by GammaPoint
Thu May 17, 2012 7:07 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on current market climate
Replies: 46
Views: 5020

Re: Thoughts on current market climate

I've only been investing seriously for a couple of years now, but already I feel like these ups and downs are super lame and boring. If I see a RBD then maybe I toss a little more money in the ring, but I barely even get joy out of that anymore. Investing has become a purely mechanical, passionless ...
by GammaPoint
Thu May 17, 2012 7:02 pm
Forum: Investing - Theory, News & General
Topic: Facebook: The smart money exits
Replies: 96
Views: 10854

Re: Facebook: The smart money exits

If I were going to buy one of these techy stocks (which I'm not), I would buy Amazon a million times over before buying Facebook. Amazon's P/E is higher, but I actually understand how they make money. Don't get me wrong, I think companies like Facebook will be around for quite some time, I just don'...
by GammaPoint
Thu May 10, 2012 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Advisors : new fees starting 6/20/2012
Replies: 94
Views: 13499

Re: Wells Fargo Advisors : new fees starting 6/20/2012

I called PMA today to formally close my account. The balance was already $0 because the transfer to VG was completed. The guy I talked to told me that my account had in fact actually been grandfathered in to the old $25,000 PMA balance minimums. So in that sense, I never had anything to worry about,...
by GammaPoint
Mon Apr 30, 2012 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on groceries?
Replies: 134
Views: 14859

Re: How much do you spend on groceries?

I'd say my wife and I spend about $400-$500 a month on groceries. We buy lots of fresh fruit, good meats and fish, etc.
by GammaPoint
Sun Apr 29, 2012 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Advisors : new fees starting 6/20/2012
Replies: 94
Views: 13499

Re: Wells Fargo Advisors : new fees starting 6/20/2012

If this weren't too long I'd make it my signature: First they started charging $7 for checking, but I didn't speak out because I had the $1500 balance. Then they raised the PMA account threshold to $50,000, and I didn't speak out because I met the new minimums. Then they came for me, and there was n...
by GammaPoint
Sun Apr 29, 2012 6:12 pm
Forum: Personal Consumer Issues
Topic: When do you allow yourself to buy a "Want"
Replies: 57
Views: 4294

Re: When do you allow yourself to buy a "Want"

Atilla wrote:Today I wanted to go with my wife to the fancy pants specialty grocer/butcher down the street to pick up stuff for dinner along with wine and $9 a six-pack micro brew IPA. So we did. $65 was the total tab. :sharebeer


Sounds like the life Atilla :)
by GammaPoint
Sun Apr 29, 2012 5:30 pm
Forum: Personal Consumer Issues
Topic: When do you allow yourself to buy a "Want"
Replies: 57
Views: 4294

Re: When do you allow yourself to buy a "Want"

I buy whatever I want all the time. For many items I want future financial security more than I want the item, so I don't buy anything at all. For items that I really want, I just go for it. I typically value my free time, the ability to exercise whenever I want, getting good sleep, eating good food...
by GammaPoint
Thu Apr 19, 2012 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Advisors : new fees starting 6/20/2012
Replies: 94
Views: 13499

Re: Wells Fargo Advisors : new fees starting 6/20/2012

By the way, I wonder if a really good IT team could come up with a way to communicate with customers based on the actual services each customer actually uses. I also wish there were some way to actually talk to the IT guys directly, since it is their code which charges the fees in all the accounts....
by GammaPoint
Wed Apr 18, 2012 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Advisors : new fees starting 6/20/2012
Replies: 94
Views: 13499

Re: Wells Fargo Advisors : new fees starting 6/20/2012

Well, I'm transferring out already anyway, but those of you saying that the minimum for free PMA has been $50k for awhile now surprises me. I've been under $50k the entire time and never been charged a fee. I guess this "periodic update of eligibility" that I saw somewhere in the fine prin...