Search found 87 matches

by Nate270
Thu Apr 18, 2013 11:19 am
Forum: Investing - Theory, News & General
Topic: iShares Enters Factor Investing Market in a Big Way
Replies: 41
Views: 4193

Re: iShares Enters Factor Investing Market in a Big Way

I agree, more choices are a good thing. I have a belief though that as more products become available to capture certain factors/styles of the market that their previous premiums will diminish.
by Nate270
Sat Jan 19, 2013 5:27 pm
Forum: Investing - Theory, News & General
Topic: Iowa farmland vs. S&P, 1950-2011
Replies: 39
Views: 5839

Re: Iowa farmland vs. S&P, 1950-2011

Who knows when exactly the bubble will burst. Even if somebody just gave me midwest farmland I would sell it all. The cap rate is so low. You can sell the land and roll it into a simple three fund portfolio and the interest/dividends would exceed the farm revenue, with no work. So many risk variable...
by Nate270
Tue Jan 01, 2013 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord Experiences
Replies: 77
Views: 10127

Re: Becoming a Landlord Experiences

My wife knows that one of the happiest days of my life was selling my last rental property last year and getting out of the landlord game. I read rich dad poor dad when I was 21 and thought it was a great idea....12 years later.....it wasn't that great of an idea.....its just a really terrible secon...
by Nate270
Sun Dec 30, 2012 12:42 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads 2013 Hedgefund Contest
Replies: 151
Views: 19420

Re: Bogleheads 2013 Hedgefund Contest

I would like to enter my hedgefund: Intelligent Capital Global Opportunities Absolute Return Fund

Long:
Mant
Brk.b

Short:
Pld
Scco
by Nate270
Sat Sep 22, 2012 4:30 pm
Forum: Personal Consumer Issues
Topic: Smith & wesson Model 29 - S&W Classics - 6 1/2"
Replies: 55
Views: 5814

Re: Smith & wesson Model 29 - S&W Classics - 6 1/2"

I saw you picked up the 23. Thats a great all around gun. You can use it for carry or home defense. Much better choice than a .44 magnum :D
by Nate270
Sat Sep 22, 2012 4:28 pm
Forum: Personal Consumer Issues
Topic: Smith & wesson Model 29 - S&W Classics - 6 1/2"
Replies: 55
Views: 5814

Re: Smith & wesson Model 29 - S&W Classics - 6 1/2"

Also, I considered the S& W MP models but these models are used by local police. Various Police Officers told me that S&W has a serious issue of quality on these models. I don't know what sort of actual experience those police could have had with that weapon and come to that conclusion. If ...
by Nate270
Tue Sep 18, 2012 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Theoretical question about AA w/ larger sums of money
Replies: 6
Views: 751

Theoretical question about AA w/ larger sums of money

Hi. Conventional wisdom around here says to hold aproximately your age in bonds or your age minus a set number in bonds. We also know that holding 100% allocation to bonds or stocks is not ideal. Lets say somebody sells there business or inherits a large sum of money or wins the lotto (lets say 3 mi...
by Nate270
Fri Aug 26, 2011 11:24 pm
Forum: Personal Consumer Issues
Topic: Manly Men Question [which concealed carry firearm]
Replies: 98
Views: 13204

Of the guns the OP put out I really like the LCP. Very reliable which is very important for a small carry gun. Yet I don't know how confident I would be in seven .380 rounds against 2 or more attackers at night during the colder months. I'd feel much more comfortable in that bad situation with a Glo...
by Nate270
Fri Aug 26, 2011 12:08 pm
Forum: Personal Consumer Issues
Topic: Toyota Put in Wrong Oil
Replies: 28
Views: 8802

As for the OP, If they put 5w-20 or 5w-30 you would never ever be able to tell the difference. Just consider yourself lucky that you received oil. I have a coworker who after driving home 5 miles from the dealership realized they had only drained the oil and never replaced it.
by Nate270
Tue Aug 02, 2011 6:39 pm
Forum: Personal Consumer Issues
Topic: Anyone riding in 2011 RAGBRAI?
Replies: 12
Views: 2424

I've done the full ride twice, somewhere in the 1995-96 years. It was alot of fun, but I wasn't 21 at the time so I felt like I might have been missing out on the craziness in the beer garden. My uncle is a legend having done over 30 Ragbrai's with the same 40 year old road bike and leather seat. He...
by Nate270
Tue Aug 02, 2011 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Renter, First Time Not Paying
Replies: 72
Views: 12087

As of last week I am out of the landlord business for good. Did it for ten years. Based on my experience im glad you worked with the guy. Sounds to be decent enough and he lives pretty much in your house so you need to be extra careful. Forced evictions suck and I would try to not let it come to tha...
by Nate270
Tue Aug 02, 2011 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: How much umbrella insurance is enough?
Replies: 86
Views: 26515

I believe I read on this forum once that you should take your net worth+1million to get to your appropriate coverage level. I thought that sounded like an excellent rule of thumb. But still may be not enough if you have teenagers.
by Nate270
Tue Aug 02, 2011 4:45 pm
Forum: Personal Consumer Issues
Topic: Informed for life related to an auto's TCO
Replies: 1
Views: 566

Informed for life related to an auto's TCO

With lists like informed for life, one gets the impression that you need to buy a brand new car or if you buy one more than a couple years old it has to be a high end car with those associated expenses. Plus that list is always changing for example we bought a car last year which was rated in the 40...
by Nate270
Thu May 12, 2011 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Home Maintenance Expenses
Replies: 47
Views: 11370

Re: Annual Home Maintenance Expenses

JTcheek wrote:I've read that one can expect to pay 1% of the home's value annually in maintenance expense, but that seems high to me.


1% seems WAY too low. Any home that is older than 10 years old will probably cost 3% of the homes rebuild value.
by Nate270
Wed Apr 27, 2011 10:13 am
Forum: Investing - Theory, News & General
Topic: Being Open Minded about Gold
Replies: 111
Views: 10167

Excellent post by the OP. I agree with Rick in that gold is a terrible asset to buy now. But I think alot of people here are missing the point that its addition to an overall portfolio can decrease risk while increasing returns. I personally have to own something with such a low correlation to other...
by Nate270
Mon Mar 28, 2011 5:59 pm
Forum: Personal Consumer Issues
Topic: Internet Explorer 9 Problem with Vanguard - Solution
Replies: 11
Views: 2162

I downloaded IE9 last night and had no problem checking Vanguard this morning.
by Nate270
Tue Mar 22, 2011 10:12 am
Forum: Investing - Theory, News & General
Topic: "Buying a house has to be the most ridiculous thing..
Replies: 92
Views: 10137

How is an asset that matches short term cash investments considered an inflation hedge by 90% of the population? Buy a home if you want to and/or it is ideal to have fixed housing costs going into retirement. But for the rest of the population that is working, the main way housing prices go up is ri...
by Nate270
Fri Mar 18, 2011 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: opening a roth ira for senior retiree
Replies: 11
Views: 1318

Everything you need to know is in Pub 590, readily available from irs.gov, with handy clickable links. It is a better resource than we are. You will read there that you have to have taxable compensation to contribute to a Roth. You have to have compensation > $0 and MAGI < $120,000. m So you are no...
by Nate270
Fri Mar 18, 2011 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: opening a roth ira for senior retiree
Replies: 11
Views: 1318

Re: opening a roth ira for senior retiree

Bob's not my name wrote:
Nate270 wrote:She lives off SS and interest from bonds/cd's.
You're aware that neither of these is earned income, right?


I always thought that roth contributions limits were based off of modified agi.

Also she has been retired for 10 years.
by Nate270
Fri Mar 18, 2011 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: opening a roth ira for senior retiree
Replies: 11
Views: 1318

Okay to clarify, she definitely has earned income....maybe in the 20-50 grand range after deductions. And currently has no retirement accounts, was self employed. I would be opening a new roth ira for her unless there is some undesirable outcome that I am not aware of.
by Nate270
Fri Mar 18, 2011 11:26 am
Forum: Personal Finance (Not Investing)
Topic: opening a roth ira for senior retiree
Replies: 11
Views: 1318

opening a roth ira for senior retiree

Hi. I have a question about opening a roth ira for my grandmother. She lives off SS and interest from bonds/cd's. She had about 25 grand in a ripoff account at some local sales office charging her like 2.7% er. I asked her how much of that amount she would be willing to lose and set her up an accoun...
by Nate270
Wed Feb 16, 2011 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Do real estate prices fall when interest rates go up?
Replies: 41
Views: 7657

It is my belief that the price of real estate in the U.S. (outside of New York and certain coastal areas) is a direct function of incomes and leverage. If incomes do not grow and banks will not lend more (they won't for another 30-40 years) and interest rates go up to 9% then absolutely the prices o...
by Nate270
Mon Jan 24, 2011 9:59 pm
Forum: Personal Consumer Issues
Topic: Digital TV with Antenna
Replies: 18
Views: 2969

I put this off for a year because I thought it wouldn't work. Well just today I bought a $10 antenna at best buy and 5 minutes later I have abc, nbc, cbs, pbs, and fox. Cant believe how good the picture is. Go for it!
by Nate270
Tue Jan 18, 2011 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: New car vs. used car: what are lifetime saving of used cars?
Replies: 78
Views: 13873

Clark Howard believes within the next 5 years, the automobile industry will overhaul fuel efficiency and the changes will be major. We plan to get a new car this year and pass on our 2005 CR-V to one of our sons. Still, I am curious to know what those changes could be. Anyone have any ideas what he...
by Nate270
Tue Jan 18, 2011 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: New car vs. used car: what are lifetime saving of used cars?
Replies: 78
Views: 13873

It is quite easy to find a 2-3 year old used car that is cheap enough without having to hunt around too much. I purchased my first (and only so far) car from an Enterprise dealership. It was a 2008 and purchased in 2010. Still had most of the extended warranty on it even. Did I pay a little premium...
by Nate270
Tue Jan 18, 2011 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: New car vs. used car: what are lifetime saving of used cars?
Replies: 78
Views: 13873

The idea that you can find some grandma's pristine two year old honda accord and save hundreds of thousands of dollars over a lifetime vs paying msrp for a hyundai sonata that depreciates quickly is a fallacy that only makes for cute articles. First what boglehead would ever pay msrp? Second who's t...
by Nate270
Sat Jan 15, 2011 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Renting For Life?
Replies: 94
Views: 11407

I may never understand the argument that homes are a great inflation hedge. Historically their real returns are about zero. I'm not sure if that factors in the cost of upkeep which would turn the number negative. Houses are a great way to borrow a ton of money if that is your thing. But since the US...
by Nate270
Mon Jan 10, 2011 11:53 am
Forum: Investing - Theory, News & General
Topic: Grok's investing tip #2/10 Use cash to dampen portfolio risk
Replies: 59
Views: 18651

Great post Grok! Very helpful.
by Nate270
Sat Jan 08, 2011 9:52 am
Forum: Personal Consumer Issues
Topic: Car buying and financial ratios - what do Bogleheads do?
Replies: 100
Views: 10424

Get the LS. It's a great looking car and you earn enough income to have it for sure. It's reliable, and pretty practical for a true luxury class of car. My own opinion is to drive cars for 15-20 years because the real cost is the transaction costs of taxes/dealer costs/your time.
by Nate270
Wed Jan 05, 2011 9:56 am
Forum: Investing - Theory, News & General
Topic: 2011 BOGLEHEAD CONTEST REGISTRATION
Replies: 374
Views: 35505

1313
by Nate270
Wed Dec 29, 2010 2:49 pm
Forum: Personal Consumer Issues
Topic: Newest aviator/ Proud Mom
Replies: 26
Views: 3822

I have about 6000 flight hours as of today and I do not remember 99% of them. But I still vividly remember when I soloed....what a rush. Nothing like it, congrats on the accoplishment!
by Nate270
Wed Dec 29, 2010 11:08 am
Forum: Personal Consumer Issues
Topic: Which Swedroe/Boglehead Book?
Replies: 9
Views: 1563

Those are all great books.

My personal top three books of this style are
1. Unconventional Success
2. Common Sense on Mutual Funds
3. Four Pillars of Investing

Of the books you have listed I really enjoyed the Bogleheads guide to investing.
by Nate270
Thu Dec 16, 2010 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Real Estate
Replies: 17
Views: 3125

Landlording is a job not an investment. It also is an uncompensated risk. I look forward to finally some day being out of the landlording business.
by Nate270
Mon Dec 06, 2010 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Is there a potential free lunch with buying foreclosures?
Replies: 49
Views: 4472

Here is an example of an actual free lunch. Recently the IRS changed the rules which have since diminished this free lunch considerably. As of two years ago and earlier, my company (and I am sure others) offered an employee stock purchase program where you had two opportunities to sign up and purcha...
by Nate270
Sat Dec 04, 2010 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a potential free lunch with buying foreclosures?
Replies: 49
Views: 4472

THERE ARE NO FREE LUNCHES! How do you know? No offense, but that seems extremely unlikely. Real estate is a much less efficient market than the publicly traded capital markets are. Why WOULDN'T you expect there to be an occasional free lunch? Blanket statements like this are silly and counterproduc...
by Nate270
Sat Dec 04, 2010 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Hussman Strategic Growth HSGFX
Replies: 42
Views: 5091

Dr. Hussman is very smart and I enjoy his writings. I used to own the fund a long time ago, but have since become a boglehead. Compared to the S&P the numbers look good but when compared to a diversified "lazy" portfolio, I would much rather take mpt.
by Nate270
Sat Dec 04, 2010 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a potential free lunch with buying foreclosures?
Replies: 49
Views: 4472

This is not a free lunch. There are potential for returns, but they are 100% linked to the risks. Buying forclosures, there is plenty of risks. There was somebody just on here recently if I remember who had purchased a forclosure, and ended up having just purchased an IRS lien that every "exper...
by Nate270
Mon Nov 29, 2010 10:45 am
Forum: Investing - Theory, News & General
Topic: Swedroe vs larimore
Replies: 84
Views: 11466

I doubt this will help much, but my experience has been between my roth, the wifes roth, an ira here, a 401k there, that usually not all options have been available to me in the bond spectrum in every account. So I keep my fixed income at my target allocation (which is what actually matters besides...
by Nate270
Sun Nov 28, 2010 10:14 pm
Forum: Investing - Theory, News & General
Topic: Swedroe vs larimore
Replies: 84
Views: 11466

I doubt this will help much, but my experience has been between my roth, the wifes roth, an ira here, a 401k there, that usually not all options have been available to me in the bond spectrum in every account. So I keep my fixed income at my target allocation (which is what actually matters besides ...
by Nate270
Fri Nov 05, 2010 11:42 am
Forum: Personal Consumer Issues
Topic: Are Macs that much easier than Windows Machines?
Replies: 238
Views: 21294

Perhaps in the past Mac's could justify their cost. Now with Windows 7, PC's are VERY user friendly. I would save the money.
by Nate270
Mon Nov 01, 2010 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Try Bogle's Ultimate Buy&Hold Idea?
Replies: 29
Views: 5851

This is an interesting approach. I would have to say it works. This is kind of funny but my grandmother is probably the best investor I know of and I would have to imagine she has beat 99% of investment professionals over the past forty years. She is 94 years old and probably has 90% of her net wort...
by Nate270
Mon Nov 01, 2010 10:31 am
Forum: Investing - Theory, News & General
Topic: Creating "synthetic" Vanguard total stock market.
Replies: 3
Views: 781

Creating "synthetic" Vanguard total stock market.

My 401K is decent in that it does not charge any admin fees but the options for funds are less than impressive. The only US stock fund (or any fund for that matter) with low expenses in my 401k is a Wells Fargo S&P500 institutional share fund. It has been around since the late eighties, it has a...
by Nate270
Mon Oct 25, 2010 12:15 pm
Forum: Personal Consumer Issues
Topic: Please help me decide on vehicle
Replies: 35
Views: 2999

Does Ford still mean Fix Or Repair Daily? Believe it or not I have had a Ford Probe, Ranger, and Focus all with 100k+ mileage and ZERO problems. Well the Probe did need a valve job at 170k miles. I never planned on owning Ford after Ford they all just ended up being much better values for the money...
by Nate270
Mon Oct 25, 2010 12:11 pm
Forum: Personal Consumer Issues
Topic: Please help me decide on vehicle
Replies: 35
Views: 2999

bottlecap wrote:If all other things are equal to you, I say the Fusion is a better looking car. I hope that helps!

JT


It does! :)
by Nate270
Mon Oct 25, 2010 12:11 pm
Forum: Personal Consumer Issues
Topic: Please help me decide on vehicle
Replies: 35
Views: 2999

You already have one SUV, having a differnt type of car for different situations can be nice. Greg +1 I have a 2010 Fusion and it's an excellent, comfortable car for long trips. Why would you want a 2nd SUV? +2 I don't particularly like the focus. It's a 10 year old design that is showing its age b...
by Nate270
Mon Oct 25, 2010 12:07 pm
Forum: Personal Consumer Issues
Topic: Please help me decide on vehicle
Replies: 35
Views: 2999

Thanks everybody for the replies! Pretty much every Boglehead on this forum is value conscious so your opinions are highly regarded by myself and my wife (lurker). I am now planning on buying the Fusion this week. While we do live in a snowy city we only drive on city streets and highways thus the 4...
by Nate270
Sun Oct 24, 2010 4:28 pm
Forum: Personal Consumer Issues
Topic: Please help me decide on vehicle
Replies: 35
Views: 2999

Laura: The Forester is about 2 grand more as well as last years model. EmergDoc: Both of us have test driven both vehicles twice over the past year. Blue: I agree. Both though are in the top 10% of cars ever made. With the Fusion getting a slightly better score due to the lesser rollover risk I assu...
by Nate270
Sun Oct 24, 2010 2:49 pm
Forum: Personal Consumer Issues
Topic: Please help me decide on vehicle
Replies: 35
Views: 2999

Please help me decide on vehicle

I know they seem like totally different vehicles but I have been stuck trying to decide between a 2011 Ford Fusion SE and a 2010 Subaru Forester premium package. The car which we will be keeping is a 2001 4runner with only 2wd and 105k miles that only I will be driving. It only gets driven 4000-5000...
by Nate270
Wed Oct 06, 2010 1:16 pm
Forum: Investing - Theory, News & General
Topic: Lower Minimum on Admiral Shares
Replies: 110
Views: 14645

This is AWESOME!!
by Nate270
Wed Oct 06, 2010 1:13 pm
Forum: Investing - Theory, News & General
Topic: Losses From Following Yale's David Swensen
Replies: 51
Views: 6300

Wow some really bizarre feelings against the guy on this thread, which I find surprising. Mr. Swenson is on the board at TIAA-CREF, Jack Bogle had him write the foreword for his 10 year update to "Common Sense on Mutual Funds", and the guy wrote a VERY good book himself explaining differen...