Search found 5320 matches

by Random Musings
Mon Jun 17, 2019 7:57 pm
Forum: Personal Consumer Issues
Topic: Hiking in Vancouver July 2019
Replies: 5
Views: 549

Re: Hiking in Vancouver July 2019

Capilano, did many years back before kids.

Enjoyed it. These days, your "shorter hikes" are more my longer ones :D

RM
by Random Musings
Tue Jun 04, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: Road Trip! Texas to Virginia places to see/visit
Replies: 21
Views: 1099

Re: Road Trip! Texas to Virginia places to see/visit

Hi Bogleheads - a bit of a different request here, but I am posting here b/c I am constantly amazed at the knowledge of folks on this forum. Rather than fly, we are doing a (long) family drive from SE Texas to SW Virgina. Growing up, we would often take long drives to visit family and friends and I...
by Random Musings
Tue Jun 04, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8938

Re: Costco or Sam's Club?

For us, no decision. Costco is far closer than Sam's, nicer employees and cleaner. Just learn how to avoid the peak times, including days when their coupons start and end.

RM
by Random Musings
Mon May 20, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: Yellowstone Family Resort/Glamping Rec's
Replies: 11
Views: 1806

Re: Yellowstone Family Resort/Glamping Rec's

Personally, spending at least one day of lodging (I would recommend a min of 3 nights in the park) at the Old Faithful Inn and up at the Canyon Lodge would be nice as the former has charm and history, the latter has more modern accommodations, and both are located next to the most popular sightseein...
by Random Musings
Sun May 19, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Vacation to Death Valley in November.
Replies: 9
Views: 1054

Re: Vacation to Death Valley in November.

If you are big on hiking, three days min. Golden Canyon is a relaxing two mile hike that is very nice, another easy and good one is the Titus Canyon Narrows that is only a bit longer. Dante's Ridge is a short very short hike but almost eight miles long if you trek to Mt Perry. If you want real worko...
by Random Musings
Mon May 13, 2019 9:13 pm
Forum: Personal Consumer Issues
Topic: Park City Utah Hiking
Replies: 26
Views: 1822

Re: Park City Utah Hiking

Do you need bear spray in this area? I've hiked thousands of miles in Utah, I've never seen a bear. Moose, yes; and they are HUGE. And Moose can be aggressive in certain cases (like getting between mother and calf or males during mating season),, best thing to do is give them space and things shoul...
by Random Musings
Wed May 08, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: wedding gift value
Replies: 80
Views: 4686

Re: wedding gift value

Weddings, proms, formals, birthdays and every damn event in the world. With so much social media, a lot of people get caught in the "keeping up with the [choose a name]". Years later, almost of this material stuff is forgotten. You can be creative in planning these events with far less money in many...
by Random Musings
Mon Apr 29, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: How Much to Tip Wedding Officiant
Replies: 38
Views: 2443

Re: How Much to Tip Wedding Officiant

Our friend officiated our wedding. He made it clear that we would not pay for travel expenses as they were spending the remainder of the week visiting family in the area since they just moved away a few years before that. However, we donated to their church to thank them.

RM
by Random Musings
Mon Apr 29, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 188
Views: 20174

Re: Man’s life savings stolen from hijacked cellphone number

Crypto appears to be the modern day version of a bearer bond.

Finders (or stealers) keepers, losers weepers.

Plus bearer bonds have been used to evade taxes and for money laundering as well.

RM
by Random Musings
Thu Apr 25, 2019 7:47 pm
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 101
Views: 12563

Re: Call the Top!

When the CNBC talking heads break out the party hats like they did in March 2000 when the NAZ hit 5,000. Perhaps they will throw a party when the S&P hits three. That's the secret signal to insiders. Just like the 666 intraday low in the S&P in the last big bear. I need to start a newsletter. RM
by Random Musings
Thu Apr 25, 2019 9:32 am
Forum: Investing - Theory, News & General
Topic: 2019 DFA Matrix Book Is Out
Replies: 4
Views: 796

Re: 2019 DFA Matrix Book Is Out

FYI... The 2019 DFA Matrix Book is out , these books have a nice reference for the returns of various investments (stocks / bonds) as well as some other interesting info. I used to get these handy guides from IFA's website, but unfortunately they seem to have locked it down and require you to talk ...
by Random Musings
Tue Apr 23, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: Montana / Wyoming Summer Trip Ideas
Replies: 29
Views: 2479

Re: Montana / Wyoming Summer Trip Ideas

Glacier National Park is very difficult to get to, and worth the effort. We stayed east side (Many Glacier) and it's just fantastic. Enjoyed Yellowstone, but the crowds were a bit much. I feel like we had 2 or 3 traffic jams that were an hour each inside the park. I would return to Yellowstone, but...
by Random Musings
Mon Apr 22, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Montana / Wyoming Summer Trip Ideas
Replies: 29
Views: 2479

Re: Montana / Wyoming Summer Trip Ideas

Also, with respect to entering the park in Yellowstone during July/August, try to get there early before the cars start to back up at the entrance points.

Also, go to the Yellowstone site to look for planned road construction during your visit time, that will also help you plan.

RM
by Random Musings
Sun Apr 21, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: Montana / Wyoming Summer Trip Ideas
Replies: 29
Views: 2479

Re: Montana / Wyoming Summer Trip Ideas

Exactly when are you going this summer? Are you flying in or driving? We were in Yellowstone late June last year and the crowds were not bad. The key was to see the very popular touristy stops earlier and later in the day and the hiking and less congested areas in the middle of the day. We stayed in...
by Random Musings
Thu Apr 18, 2019 8:06 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 69
Views: 4844

Re: American Funds vs Vanguard

I believe Larry Swedrie did an analysis of some AF funds a few years back and chose their lowest cost funds R something. As a fund family, I believe the result was that alpha was generated over 15 years, but not statistically significant. But more recent asset bloat made the five year returns having...
by Random Musings
Wed Apr 17, 2019 8:52 pm
Forum: Investing - Theory, News & General
Topic: An Annuity Hater Revisits SPIAs
Replies: 27
Views: 4826

Re: An Annuity Hater Revisits SPIAs

The most important commentary from my perspective was with respect to not holding too much duration on the bond side. This matches my current take, as my bond duration averages about 2.4 years. Also, if health is good, to defer SS before SPIA. I'm okay about SPIA's, but on the fence on that one. How...
by Random Musings
Tue Apr 16, 2019 9:02 pm
Forum: Investing - Theory, News & General
Topic: Fixed Indexed Annuities
Replies: 22
Views: 1290

Re: Fixed Indexed Annuities

In almost all cases, run, don't walk away from variable annuities.

RM
by Random Musings
Sat Apr 13, 2019 7:56 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 259555

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

interesting concept, but I could not tolerate that amount of potential drawdown. The true test will be actual, not hypothetical returns as well as who can really stomach such a massive drawdown, if it does occur. No different than a 100% equity person who has to stomach a big bear. Many people bail ...
by Random Musings
Fri Apr 12, 2019 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 4300

Re: Relocating to Seattle from Baltimore Area

The homeless problem and urban cleanliness is not as bad as people mention, a lot of sincere people are working on solutions. I think it is better than a few years ago. Seattle, Portland and San Francisco look like something out of a post apocalyptic film most nights. There are feces, vomit and nee...
by Random Musings
Fri Apr 12, 2019 10:45 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1359
Views: 142477

Re: [What TV Show Have You Recently Watched?]

Watching Black Mirror, done with three seasons. Some episodes are great, some episodes are pretty bad. A hit or miss series, IMHO. RM This is how I found Black Mirror as well. Really not one for big twists, but some I found well-executed. Bandersnatch, meanwhile, I just thought was frustrating. Any...
by Random Musings
Thu Apr 11, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1359
Views: 142477

Re: [What TV Show Have You Recently Watched?]

Watching Black Mirror, done with three seasons. Some episodes are great, some episodes are pretty bad. A hit or miss series, IMHO.

RM
by Random Musings
Thu Apr 11, 2019 7:13 pm
Forum: Investing - Theory, News & General
Topic: Asset allocation if 60 % in company stock
Replies: 15
Views: 1299

Re: Asset allocation if 60 % in company stock

You can lead a horse to water.........

Your work is done. If the stock does well, it will justify her position. If it doesn't, she will take a boat down the denial.

RM
by Random Musings
Wed Apr 10, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and Sedona
Replies: 51
Views: 5024

Re: Grand Canyon and Sedona

> Antelope Canyon Antelope Canyon was crowded and expensive. I hear it is now much more crowded and more expensive. Consider Waterholes Canyon, although not as stunning it is much less crowded. > Meteor Crater I've been and it would not be high on my list. The loop for Wupatki/ Sunset Crater is bet...
by Random Musings
Tue Apr 09, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Charleston with kids for a couple of days
Replies: 10
Views: 670

Re: Charleston with kids for a couple of days

I recommend going to Patriots Point, our kids found that interesting. Fort Moultrie is over there as well,that is inexpensive and we toured that pretty quickly. Imho, I would not hit the aquarium in Charleston, there are better. If you are there for only two days, time will be stretched going to a p...
by Random Musings
Sun Apr 07, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and Sedona
Replies: 51
Views: 5024

Re: Grand Canyon and Sedona

Thanks everyone. I appreciate the suggestions and words of wisdom. Originally, we were thinking of skiing out west next April (see my earlier post) but I learned many of the ski resorts close before we could get out West. So G.C. was plan "B". I did reserve a third night at a South Rim lodge, so if...
by Random Musings
Sat Apr 06, 2019 8:36 pm
Forum: Investing - Theory, News & General
Topic: FIDO Zero Funds losing to Vanguard?
Replies: 58
Views: 7060

Re: FIDO Zero Funds losing to Vanguard?

There is the forest, there are the trees and there is this particular topic.

RM
by Random Musings
Sat Apr 06, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: Son's dubious job offer
Replies: 32
Views: 6518

Re: Son's dubious job offer

Tell you son to keep on looking.

RM
by Random Musings
Mon Apr 01, 2019 10:07 pm
Forum: Investing - Theory, News & General
Topic: I hate bonds
Replies: 116
Views: 13668

Re: I hate bonds

As a long-term investor with financial goals to achieve, I hold my nose and invest in both stocks and bonds to my need of risk. And when the markets zig and zag, I hold my nose and rebalance (taking into consideration taxes) back to my target. Investing sure does stink sometimes, but most of us will...
by Random Musings
Mon Apr 01, 2019 9:36 pm
Forum: Investing - Theory, News & General
Topic: What is the Boglehead opinion of the inverted yield curve?
Replies: 70
Views: 7085

Re: What is the Boglehead opinion of the inverted yield curve?

from the data, it appears that the risk of a decent size bear market is higher than the case if the yield curve died not invert. RM I think this is the wrong way to think about it. The yield curve inversion is not a cause, rather, it's an indicator. Investors bidding down the long term yields means...
by Random Musings
Mon Apr 01, 2019 8:46 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Performance Of State Pension Plans
Replies: 46
Views: 5065

Re: Larry Swedroe: Performance Of State Pension Plans

Or the states will try to hose their taxpayers to some extent. You know, they deserve what we promised them. This could result in some fierce battles between the private and public sectors down the road.

RM
by Random Musings
Mon Apr 01, 2019 8:41 pm
Forum: Investing - Theory, News & General
Topic: What is the Boglehead opinion of the inverted yield curve?
Replies: 70
Views: 7085

Re: What is the Boglehead opinion of the inverted yield curve?

from the data, it appears that the risk of a decent size bear market is higher than the case if the yield curve died not invert.

RM
by Random Musings
Sat Mar 30, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 33482

Re: "The best and worst U.S. states for retirement"

If I had a dollar for every top # list on the internet.

Or even a quarter....

RM
by Random Musings
Sat Mar 30, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a stash of vacation days as unemployment "insurance"
Replies: 70
Views: 5320

Re: Keeping a stash of vacation days as unemployment "insurance"

I always use all of my five weeks of vacation, and wish they would offer more. At a certain point, most people on this board will have enough emergency funds so banking vacation is not necessary. These days, a lot of companies act like it is the end of the world when people leave on vacations. Also,...
by Random Musings
Sat Mar 30, 2019 8:38 pm
Forum: Personal Consumer Issues
Topic: TVs: OLED vs. QLED
Replies: 52
Views: 4386

Re: TVs: OLED vs. QLED

If only there was a positive correlation between the improvement in screen technology and television programming in general.

I am the slime oozin out from your TV set........

RM
by Random Musings
Tue Mar 26, 2019 8:50 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Advice - Evaluated with Actual Returns from His Company's 401K
Replies: 101
Views: 13564

Re: Dave Ramsey's Advice - Evaluated with Actual Returns from His Company's 401K

"Pushing the envelope" IMHO is just being plain wrong but still saying it over and over and over as a marketing ploy to get people to use financial services where Dave may get a piece of the action.

I could never recommend a financial "expert" that does this.

RM
by Random Musings
Sun Mar 24, 2019 8:51 pm
Forum: Investing - Theory, News & General
Topic: Any believers in the dollar milkshake theory?
Replies: 44
Views: 7039

Re: Any believers in the dollar milkshake theory?

Times will be tough if you can get a good milkshake for $1.

Ram
by Random Musings
Sat Mar 23, 2019 10:07 pm
Forum: Investing - Theory, News & General
Topic: The 17th Century Bond That’s Still Paying Interest
Replies: 14
Views: 3286

Re: The 17th Century Bond That’s Still Paying Interest

Those bonds take staying the course to a whole different level.

RM
by Random Musings
Thu Mar 21, 2019 10:41 pm
Forum: Personal Consumer Issues
Topic: Paris - Is It Safe?
Replies: 143
Views: 9479

Re: Paris - Is It Safe?

Most places in first world counties are safe, but everyone should pay attention to avoiding specific locations. As someone has mentioned, avoid listening to the news that focuses on the bad. As one example, the reality is that both the number of violent crimes and property crimes have decreased in t...
by Random Musings
Thu Mar 21, 2019 9:00 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 12544

Re: The $4,026,858.95 Car or a Worry-Free Retirement?

I believe Taylor's example is to point out that being more conscious about your spending habits and not keeping up with the Jones', regardless of the goods and services being purchased, will allow you to save a bit more of your money and help you achieve your financial goals a little earlier. I woul...
by Random Musings
Mon Mar 18, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: What are the purposes of your travels?
Replies: 60
Views: 3772

Re: What are the purposes of your travels?

The reason why I like to travel is to provide new and different experiences for my family that we can not be exposed to in the area that we live. We spend 48 to 49 weeks a year with family/friends/work/home so we find it refreshing to get away from the routine of life. We try to minimize the routine...
by Random Musings
Mon Mar 18, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: What are the purposes of your travels?
Replies: 60
Views: 3772

Re: What are the purposes of your travels?

End of April is a great time to visit Southern Utah. 5 national parks, utah state parks, BLM areas - incredible beauty every where you look. Fantastic weather, great hiking / mountain biking / rock climbing / canyoneering. Moab is minutes from Arches NP, Canyonlands NP, Dead Horse Point State Park,...
by Random Musings
Mon Mar 18, 2019 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1.5 million house?
Replies: 125
Views: 9017

Re: Can I afford a $1.5 million house?

Unless $1MM is slumming it, why not just buy a house that they can afford unless the house being purchased is undervalued. Do you feel compelled on the expected returns on the property/area and that's why you want to invest as well? What about her parents if they are in the picture. Do they get a ha...
by Random Musings
Sun Mar 17, 2019 6:52 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 810
Views: 89089

Re: That's enough for me in 2019

Is this an actionable thread or just another one of Market Timer's blogs? I just don't buy it. RM I don't see the OP as trolling. Valuations are high now, and there is a respectable case for market timing at valuation extremes. I personally do not advocate market timing as a long range strategy, bu...
by Random Musings
Sun Mar 17, 2019 8:45 am
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 862
Views: 56444

Re: My trend following strategy and experience

Although I wish the OP the best, I would not put all of my eggs in one basket based on two indicators.

Plus, does the OP plan to use this strategy forever, it is there an exit strategy once the game is "won".

RM
by Random Musings
Sun Mar 17, 2019 8:35 am
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 810
Views: 89089

Re: That's enough for me in 2019

Is this an actionable thread or just another one of Market Timer's blogs?

I just don't buy it.

RM
by Random Musings
Mon Mar 11, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: Things to do in Maine
Replies: 72
Views: 6152

Re: Things to do in Maine

Acadia is wonderful. There are a good number of easy hikes, including around Jordan Pond. Even for smaller kids, climb up to both Bubble Mountain routes - I carried the young ones on my back. The kids can also play on the beach, also a fantastic place to view stars on a moonless night. Ride bikes on...
by Random Musings
Mon Mar 11, 2019 8:40 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 129
Views: 21732

Re: We crush stock indexes, Yale claims

We crush stock indexes?

Sounds like something Arnold S. would say.

RM
by Random Musings
Mon Mar 04, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Vacation Experiences with Big Fam & Young Kids
Replies: 75
Views: 4619

Re: Value of Vacation Experiences with Big Fam & Young Kids

It all comes down to what works best for you and your kids. We like to travel and experience different things, our kids will be up to 25 states this year. But I was brought up that way, in terms of travel, when I was a kid. My experiences were positive and far better than having more material goods,...
by Random Musings
Thu Feb 21, 2019 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 191
Views: 29968

Re: Teachers Who Have Net Worth of $1 million +

Teachers in many western PA schools do rather well. And if they want to, they can generate more income working in the summer. Almost all I know do not. RM That's because you need the summer months to recover from the other months. That isn't the case for other professions? I'd rather deal with 30 k...