Search found 274 matches
- Fri Jan 03, 2020 9:23 am
- Forum: Investing - Theory, News & General
- Topic: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST
- Replies: 688
- Views: 36363
- Sat May 12, 2018 10:17 am
- Forum: Personal Finance (Not Investing)
- Topic: Advice on building a timeless mens wardrobe?
- Replies: 68
- Views: 10212
Re: Advice on building a timeless mens wardrobe?
The Arthur Fonzarelli line works for me.
- Sun Jan 01, 2017 7:23 pm
- Forum: Investing - Theory, News & General
- Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
- Replies: 711
- Views: 58494
- Fri Jan 01, 2016 7:36 pm
- Forum: Investing - Theory, News & General
- Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
- Replies: 667
- Views: 59871
- Mon Mar 23, 2015 11:15 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard Ex-US Small Cap Value Petition
- Replies: 24
- Views: 5360
Re: Vanguard Ex-US Small Cap Value Petition
I'd welcome a Vanguard ISV fund, as well as a better ILV option than VTRIX.
- Fri Jan 30, 2015 3:58 pm
- Forum: Investing - Theory, News & General
- Topic: Would anyone go 100% bonds if...
- Replies: 41
- Views: 5820
Re: Would anyone go 100% bonds if...
[OT link removed by admin LadyGeek]
- Sun Jan 04, 2015 1:46 pm
- Forum: Investing - Theory, News & General
- Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
- Replies: 557
- Views: 57312
- Mon Sep 01, 2014 4:29 pm
- Forum: Personal Investments
- Topic: Seeking wisdom and guidance
- Replies: 10
- Views: 1629
Re: Seeking wisdom and guidance
The advice you've gotten so far is very good, but I don't think it would do any harm to put a percent or so into blackface Fenders.
- Mon Mar 24, 2014 10:48 pm
- Forum: Investing - Theory, News & General
- Topic: Really confused by Bernstein
- Replies: 168
- Views: 20598
Re: Really confused by Bernstein
I'm pretty sure Dr. Bernstein said several years ago that he'd changed his mind about the ability of well-informed investors to manage their own portfolios adequately. I think watching investor behavior during the more recent downturn has made him even less hopeful about the prospects for DIY'ers, the result being that he is now more conservative in many of his recommendations.
- Sun Mar 02, 2014 10:05 am
- Forum: Investing - Theory, News & General
- Topic: Wade Pfau feautured in latest Money magazine
- Replies: 8
- Views: 3108
Re: Wade Pfau feautured in latest Money magazine
Wade appears more confidence in how various market sectors will perform in the coming decades than I do.
- Thu Feb 27, 2014 10:25 am
- Forum: Investing - Theory, News & General
- Topic: Bionic Beta! It's a 1970s thing made new with Smart Beta
- Replies: 2
- Views: 1015
Re: Bionic Beta! It's a 1970s thing made new with Smart Beta
You're thinking Photoshop, aren't you?nisiprius wrote:Google Images didn't find it for me. Oh, please, PLEASE somebody post it!...a May 1978 issue of Institutional Investor made Rosenberg a cult figure. The cover depicted him sitting in a pink robe on top of a mountain with hands lifted in the air, flowers around his neck and shoulders, and throngs of money manager giving praise to this disciple...
- Tue Feb 25, 2014 11:36 am
- Forum: Personal Consumer Issues
- Topic: Best Stereo Headphones under $100
- Replies: 33
- Views: 3774
Re: Best Stereo Headphones under $100
Some time ago I bought Sennheiser HD280's, and while they sound great they sure are tight. I just bought AKG K240S's and they sound every bit as good and are very comfortable.madbrain wrote:I love the AKG K240 Studio . These have a replaceable cord. The headphones sound great, very flat response, and should last a lifetime. The main thing that's likely to break on well-made headphones is the cord which can be replaced on this model.
- Fri Feb 21, 2014 9:22 am
- Forum: Investing - Theory, News & General
- Topic: Robert Merton-Meeting challenges of funding retirement
- Replies: 1
- Views: 680
Re: Robert Merton-Meeting challenges of funding retirement
Thanks for posting that...gonna watch it later.
- Sun Feb 02, 2014 11:57 am
- Forum: Investing - Theory, News & General
- Topic: 22 multiple rule
- Replies: 42
- Views: 6339
Re: 22 multiple rule
This sort of thing turns up in most SWR threads. I wonder what % of the retired population lives under bridges, subsisting on a diet of cat food, and of that population, what % had entered their retirements with an investment portfolio of ~22 times their annual expenses.midareff wrote:...AFAIK, you can follow the Pied Piper's and math wizards of 4% and higher inflation indexed withdrawals, but do so at your own risk understanding you are making the later golden year's cat food and life under the bridge bet...
- Thu Jan 02, 2014 12:21 pm
- Forum: Investing - Theory, News & General
- Topic: [Poll] What was your 2013 return?
- Replies: 209
- Views: 18650
Re: What was your 2013 return?
This era of lower returns I've been reading about the past few years has been brutal.
- Wed Jan 01, 2014 11:01 am
- Forum: Investing - Theory, News & General
- Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
- Replies: 537
- Views: 43647
- Sat Dec 21, 2013 5:02 pm
- Forum: Investing - Theory, News & General
- Topic: Commodities Funds: A Decade of Disaster
- Replies: 196
- Views: 26788
Re: Commodities Funds: A Decade of Disaster
I gave up and sold this disastrous asset class a while back, but unfortunately, piled the proceeds into the toxic, hazardous waste asset class instead.
- Mon Oct 14, 2013 11:42 am
- Forum: Investing - Theory, News & General
- Topic: When Bogleheads tell you it's different this time
- Replies: 49
- Views: 6768
Re: When Bogleheads tell you it's different this time
Indeed.Grt2bOutdoors wrote:Experience can be a harsh taskmaster.louis c wrote:
I think those who are changing their stock allocation because they don't like current bond yields are making a mistake.
The past ~18 months haven't been so harsh though. If the market drops ~27% we'll be back to even.
- Mon Oct 14, 2013 9:00 am
- Forum: Investing - Theory, News & General
- Topic: When Bogleheads tell you it's different this time
- Replies: 49
- Views: 6768
Re: When Bogleheads tell you it's different this time
I think we're paying a high price for a dollar of earnings in bond markets these days. After reading Warren Buffett's Feb 2012 piece in Fortune magazine in which he mentioned bonds currently being priced to provide "return-free risk" I abandoned my plan to double our bond allocation upon my wife's retirement mid-year last year. Last winter I became convinced that there was probably little downside to switching to a short-term index rather than TBM.
I can't say I regret either decision.*
Cb
*yet
I can't say I regret either decision.*
Cb
*yet
- Sun Oct 06, 2013 2:37 pm
- Forum: Investing - Theory, News & General
- Topic: "Optimal Portfolios for the Long Run."
- Replies: 65
- Views: 11228
Re: "Optimal Portfolios for the Long Run."
I think some Bogleheads just carry a sandwedge and a putter.pkcrafter wrote:Ned, funny you were thinking about a golf analogy, so was I. In this way...
In golf you need to keep your balance during the swing, same as in investing.
Paul
- Tue Oct 01, 2013 10:52 pm
- Forum: Personal Investments
- Topic: Worried that I'm light in bonds
- Replies: 51
- Views: 7440
Re: Worried that I'm light in bonds
Fungus, you might want to review this thread: http://www.bogleheads.org/forum/viewtop ... st=1816556
- Wed Sep 04, 2013 9:42 am
- Forum: Personal Consumer Issues
- Topic: Boxing (for fitness/workout)
- Replies: 19
- Views: 2336
Re: Boxing (for fitness/workout)
Seems like a high-impact method of exercising for a guitar player to consider.
- Mon Aug 05, 2013 2:04 pm
- Forum: Investing - Theory, News & General
- Topic: Variable Percentage Withdrawal (VPW)
- Replies: 2256
- Views: 605769
Re: Variable Percentage Withdrawal
I'm keeping an eye on this thread. I welcome your work on variable withdrawals. I've previously modeled variable withdrawals using FIREcalc, simulating various degrees of % of remaining portfolio WD schemes by pumping up FIREcalc's Annual Portfolio Expense Ratio input field. I'd input a "normal" WD of say, 2.0%, then add another 2% to my Portfolio's ER to reflect the % of remaining portfolio portion.longinvest wrote: I don't know if there's much interest for all this as nobody is commenting.
Unfortunately, the current owner of the E-R board & FIREcalc is non-responsive to questions regarding FIREcalc, and all development and data updates seem to have halted a few years back.
So I'm looking fwd to what you wind with,
Cb
- Sun May 05, 2013 8:35 am
- Forum: Personal Finance (Not Investing)
- Topic: FIRECalc Question
- Replies: 15
- Views: 3424
Re: FIRECalc Question
The guy who created FIREcalc and found the associated Early Retirement forum ("Dory36") sold them several years ago to a guy who owns and runs a series of similar boards. He appears to be somewhat less responsive to FIREcalc feedback/issues/updates than Dory36 was.Blues wrote:It would be great if there were some way that the baton could be passed to have FIRECalc be carried on into the future once the originator decides that he no longer has the time nor ability to continue with it.
- Sat May 04, 2013 10:39 pm
- Forum: Personal Investments
- Topic: 4% rule and dying broke
- Replies: 62
- Views: 7976
Re: 4% rule and dying broke
bobcat2 wrote:I hate to be the bearer of sad tidings, but at today's super low real interest rates the 4% rule will have a very high failure rate. The studies of SWR's that have looked at past historical periods don't include extended periods where real LT interest rates are negative, as they are today.
BobK
Source: http://www.lagunabeachbikini.com/index. ... est-rates/
- Fri Mar 15, 2013 11:56 pm
- Forum: Personal Finance (Not Investing)
- Topic: Do we have enough to retire?
- Replies: 108
- Views: 25047
Re: Do we have enough to retire?
In view of their work backgrounds, if the market were to crater in the early years of their retirement they might still be able to find some sort of work, like delivering pizzas or mowing lawns to address any shortfall that might appear.
Cb
Cb
- Mon Feb 04, 2013 4:09 pm
- Forum: Investing - Theory, News & General
- Topic: International Explorer vs the index fund
- Replies: 10
- Views: 1795
Re: International Explorer vs the index fund
Makes sense to me. I expect that Vanguard will lower the ER and reduce or eliminate the in & out fees at some point, but until then International Explorer looks like the better choice to me.
- Tue Jan 08, 2013 10:41 am
- Forum: Investing - Theory, News & General
- Topic: Achieving a Higher Safe Withdrawal Rate
- Replies: 109
- Views: 10642
Re: Achieving a Higher Safe Withdrawal Rate
.... The issue is: 1) what is the most comfortable system for adjusting withdrawals? 2) If you're going to make flexible adjustments, what's the evidence that any set of numerical rules is going to work any better than Taylor Larimore's system : "We simply withdrew what we needed and kept an eye on our portfolio balance. Most years our balance went up and we spent the money on vacations, luxuries and charity. When our balance went down we tightened our belt and economized. This is what most people do and it works." Can you point me to any non-anecdotal evidence that that retirees as a group simply withdrawing whatever they feel they need while keeping an eye on their portfolio balance, etc is safer than "any set of numerical...
- Fri Jan 04, 2013 12:09 am
- Forum: Investing - Theory, News & General
- Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
- Replies: 481
- Views: 37376
- Tue Aug 07, 2012 12:03 pm
- Forum: Investing - Theory, News & General
- Topic: Jeremy Grantham July Letter
- Replies: 4
- Views: 1258
Re: Jeremy Grantham July Letter
30 years ago my grandmother fell under the spell of a succession of newsletter writers, each more pessimistic/paranoid than the last. It drove my father bonkers back then.
For the past decade my father has done the same thing.
In the event that there is a dominant gene at play here, I'm going to make every effort to tune out gloom & doom guru's as I age.
You might find these links worthwhile before restructuring your investment portfolio based on a permabear's newsletter.
http://www.cxoadvisory.com/3200/individ ... -grantham/
http://www.youtube.com/watch?v=f73A-HB-08M*
Cb
*thanks to wbern for mentioning Tetlock's work a few weeks back.
For the past decade my father has done the same thing.
In the event that there is a dominant gene at play here, I'm going to make every effort to tune out gloom & doom guru's as I age.
You might find these links worthwhile before restructuring your investment portfolio based on a permabear's newsletter.
http://www.cxoadvisory.com/3200/individ ... -grantham/
http://www.youtube.com/watch?v=f73A-HB-08M*
Cb
*thanks to wbern for mentioning Tetlock's work a few weeks back.
- Wed Aug 01, 2012 4:13 pm
- Forum: Personal Investments
- Topic: Why does my bond allocation need to be so high?
- Replies: 33
- Views: 4375
Re: Why does my bond allocation need to be so high?
I think people's tolerance for risk varies MUCH more than you'd guess by reading this board. Some people are comfortable deriving their income from a small business, while others wouldn't dream of leaving a corporate gig to do that. Similarly, some people are comfortable scuba diving, flying private aircraft, rafting, and riding motorcycles and bicycles on roadways and others aren't.
I'd like to see data on the allocations of those who actually bail at the bottom to see what sort of correlation there is between equity allocations and selling out.
Cb
I ER'd at 46 and am roughly 80/20 today, expecting a non-indexed pension & SS to cover ~1/2 our expenses in the future
I'd like to see data on the allocations of those who actually bail at the bottom to see what sort of correlation there is between equity allocations and selling out.
Cb
I ER'd at 46 and am roughly 80/20 today, expecting a non-indexed pension & SS to cover ~1/2 our expenses in the future
- Sun Jul 22, 2012 12:35 am
- Forum: Investing - Theory, News & General
- Topic: Wiki: Asset Allocation - Update "Age in Bonds"?
- Replies: 99
- Views: 34035
Re: Wiki: Asset Allocation - Update "Age in Bonds"?
I think that based on the Forbes & Scott Burns interviews linked above, and Taylor's quote from Bogle's most recent book, it's reasonable to assume he means it. Are you aware of an interview, speech, paper, or book in which he indicates otherwise?retiredjg wrote: ...I'm certainly not opposed to including it if that is what Jack actually means all the time - rather than a comment that might have applied to a situation or a comment about a way to do things as opposed to the way to do things. I'm just not convinced yet, but I'll keep an open mind.
I'm not at all opposed to including those comments as "this is Jack's opinion" if we can be pretty sure that is accurate...
Cb
- Sat Jul 21, 2012 5:50 pm
- Forum: Investing - Theory, News & General
- Topic: Wiki: Asset Allocation - Update "Age in Bonds"?
- Replies: 99
- Views: 34035
Re: Wiki: Asset Allocation - Update "Age in Bonds"?
I agree with Starboard...to intentionally omit a (rather significant) portion of Mr. Bogle's comments is a misrepresentation of his stated views.
- Sun Jul 15, 2012 4:06 pm
- Forum: Personal Consumer Issues
- Topic: Verizon or other prepaid cell phone service?
- Replies: 22
- Views: 4308
Re: Verizon or other prepaid cell phone service?
What do you mean by "unlocking" my existing Verizon phone?jebmke wrote:I just bought a Tracfone. Mine uses AT&Ts network but they have phones that use Verizon.
Here is a site that will tell you how to figure out what phone to get based on which network you want to use.
http://www.prepaidphonenews.com/2011/12 ... aight.html
You might be able to get VZ to unlock your existing phone now that you have completed the contract.
Cb
- Sun Jul 15, 2012 12:23 pm
- Forum: Personal Consumer Issues
- Topic: Verizon or other prepaid cell phone service?
- Replies: 22
- Views: 4308
Verizon or other prepaid cell phone service?
We've used Verizon cell service for a single user for several years now and haven't had any complaints. Upon her retirement my wife had to surrender her company-paid Blackberry. We're looking over our expenses and have decided to let go of our land-line phone and get a second cell phone. We're out-of-contract with Verizon now, paying ~$45/mo for 450 minutes, no data, and rarely replying to a text at $.20 per text. That level of service has been more than adequate, and we've had no issues with connectivity around town or while traveling. Verizon quoted me at ~$80 to add a second phone, for a total of 750 minutes, and $.20 per text, no contract, if we supply the phone. I'd like to test the water with a bargain-basement pre-paid plan first, an...
- Tue Jun 26, 2012 10:21 am
- Forum: Investing - Theory, News & General
- Topic: The riskiest day of the rest of your life
- Replies: 50
- Views: 7804
Re: The riskiest day of the rest of your life
To say that one has exhausted their human capital upon retirement is an exaggeration in most cases.
Cb
Cb
- Wed Jun 06, 2012 4:09 pm
- Forum: Investing - Theory, News & General
- Topic: Small value performance
- Replies: 131
- Views: 10966
Re: Small value performance
I think he's already found a quote he likes.Beagler wrote:Will you concede that in the hard light of day, Dr. Bernstein still tilts his portfolios to small and value, even today (as has fairly recently been communicated through Mel)?yobria wrote: Then what point is Dr. Bernstein wrong about here?:
- Thu Apr 12, 2012 11:35 am
- Forum: Personal Investments
- Topic: Can a person have no risk tolerance?
- Replies: 63
- Views: 4255
Re: Can a person have no risk tolerance?
I found Warren Buffet's recent thoughts on equities vs bonds to be compelling:
http://finance.fortune.cnn.com/2012/02/ ... er-letter/
Cb
http://finance.fortune.cnn.com/2012/02/ ... er-letter/
Cb
- Sun Jan 29, 2012 4:13 pm
- Forum: Personal Investments
- Topic: Future of Social Security: Boglehead View?
- Replies: 60
- Views: 5353
Re: Future of Social Security: Boglehead View?
You're already 54, and I think the likelihood of the government addressing SS funding challenges within the next 12 months is about zero.
Once you make 55 I think you can count on 100% of the SS projections, but it'd probably be reasonable for a middle-class couple to lop off a couple percent because SS taxation will likely increase in the future, even for those over 55.
Cb
Once you make 55 I think you can count on 100% of the SS projections, but it'd probably be reasonable for a middle-class couple to lop off a couple percent because SS taxation will likely increase in the future, even for those over 55.
Cb
- Thu Jan 12, 2012 2:00 pm
- Forum: Personal Consumer Issues
- Topic: Can Adele Sing?
- Replies: 56
- Views: 6067
Re: Can Adele Sing?
I'd give up my Boglehead's book and maybe two Rick Ferri's to play in a band with a woman who could sing like Adele. She's a one in a million performer, IMO.
Some of y'all are kRaZIe.
Cb
Some of y'all are kRaZIe.
Cb
- Sun Jan 01, 2012 10:42 pm
- Forum: Investing - Theory, News & General
- Topic: REGISTRATION FOR 2012 BOGLEHEAD CONTEST
- Replies: 408
- Views: 30758
- Sat Dec 17, 2011 9:45 pm
- Forum: Personal Consumer Issues
- Topic: Knee replacement surgery
- Replies: 52
- Views: 6953
Re: Knee replacement surgery
I'm 52 and get Synvisc injections every 6 months trying to delay TKR until I'm 60 or so.statsguy wrote:...Thanks again to everyone who replied. I would welcome more information.
I found this series of Youtubes fascinating - these are the lectures from a UC-Berkely graduate bio-engineering course on the design & materials challenges facing artificial joint manufacturers:
http://www.youtube.com/watch?v=I5YSTkBQBbs
Here's another Youtube on hip & knee replacement I found fascinating, by a very high volume doc at a high-volume facitility - UCSF, I believe
http://www.youtube.com/watch?v=Fsszk2iNAqg
Cb
- Thu Dec 15, 2011 9:59 pm
- Forum: Personal Consumer Issues
- Topic: What musical instrument do you play
- Replies: 33
- Views: 2306
Re: What musical instrument do you play
Downright bass in 2 bands, electric guitar in another. I'm on bass in this one:
http://youtu.be/vYkP6nXu6Mk
Cb
http://youtu.be/vYkP6nXu6Mk
Cb
- Wed Aug 24, 2011 10:48 pm
- Forum: Investing - Theory, News & General
- Topic: Test your feelings about "safe withdrawal" failure
- Replies: 34
- Views: 4720
A number of years ago as I was preparing to retire at 46 my little sister emailed me link to an article on the potential for runaway healthcare costs in the future laying waste to retirement plans, and asked if I was frightened about a scenario like that.
I replied saying that if things really went south for me in retirement, I might wind up alone, stashed away in a nasty little room with poor lighting and bad air, in a decrepit old building, and folks might come around every so often and bother me.
But that's about what I was doing for a living at that time (spending my days in a shabby little office block stuck on the side of an old defense plant), and I figured I'd take my chances and get out of the room for while.
Cb
I replied saying that if things really went south for me in retirement, I might wind up alone, stashed away in a nasty little room with poor lighting and bad air, in a decrepit old building, and folks might come around every so often and bother me.
But that's about what I was doing for a living at that time (spending my days in a shabby little office block stuck on the side of an old defense plant), and I figured I'd take my chances and get out of the room for while.
Cb
- Thu May 26, 2011 4:13 pm
- Forum: Personal Consumer Issues
- Topic: undershirts
- Replies: 40
- Views: 6895
- Wed May 18, 2011 2:31 pm
- Forum: Personal Finance (Not Investing)
- Topic: Did you consider the financial aspects of having children?
- Replies: 151
- Views: 16319
- Wed Mar 16, 2011 10:41 pm
- Forum: Investing - Theory, News & General
- Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
- Replies: 1367
- Views: 821388
- Fri Mar 11, 2011 10:01 am
- Forum: Investing - Theory, News & General
- Topic: PIMCO Cuts Management Fees
- Replies: 13
- Views: 3741
- Sun Mar 06, 2011 10:31 am
- Forum: Investing - Theory, News & General
- Topic: Is 100% equities really that risky for young investors?
- Replies: 127
- Views: 21331
...And you are thinking "Countrywide, WaMu, IndyMac, Lehman Brothers, Bear Stearns, Fannie Mae, Freddie Mac, AIG, Merrill Lynch... WTF? When does it end? Is this, seriously, the Big One?" Right now, people are talking about the possibility of hyperinflation, currency collapse, you name it. It doesn't seem too real to me. But something like 2008-2009 hits, and you have to seriously consider the possibility that you really are in the middle of an actual societal collapse. Not inevitably, not soon, but right now. Because they do happen. 2008-2009 wasn't one of them. But if there had been an actual collapse, 2008-2009 is what the start would have looked like... . Nisiprius, that was a remarkable passage. I remember having those kind ...
- Fri Mar 04, 2011 10:45 pm
- Forum: Personal Consumer Issues
- Topic: Any guitar players here?
- Replies: 30
- Views: 4226
I started playing 17-18 years ago as an adult. When I was working I found lessons kind of stressful...I was working 50-60 hr weeks and often was anxious as lesson day approached when I hadn't practiced enough. Eventually I concluded that I'd be happier learning on my own via books & cassette packages (pre-internet). A short time later a coworker invited me to play bass with him and a buddy, saying that most of what I was playing on guitar was basslines anyway. That guy is a terrific (also self-taught) guitar player, and I've been in bands with him ever since. I'm playing bass in two bands doing mostly instrumental beatnik jazz and schmoove blues, and play guitar in another blues & classic rock cover band. As for gear - 2 strats, tel...