Search found 5152 matches

by Random Musings
Wed Nov 14, 2018 10:54 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 102
Views: 5830

Re: Are you all staying the course?

Staying the course. Will rebalance if bands hit.

RM
by Random Musings
Wed Nov 14, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 45
Views: 4518

Re: Oops! Edward Jones tops Vanguard in customer survey

Another thing that EJ likes to do is to "juice" up bond returns by purchasing individual corporate bonds with higher yields, and many of their customers probably have no idea that they are taking on additional risks (call risk, default risk, liquidity risk ) versus a more diversified approach. It wo...
by Random Musings
Tue Nov 13, 2018 10:35 pm
Forum: Investing - Theory, News & General
Topic: AQR fund family's performance relative to its benchmarks
Replies: 29
Views: 2081

Re: AQR fund family's performance relative to its benchmarks

For laughs, I did the same analysis on Vanguard's stock funds, using those described by Vanguard as either "US stocks" or "international stocks," "active management," and "investor shares." For the time period, I used fund inception if Vanguard shows a benchmark value from fund inception; otherwise...
by Random Musings
Tue Nov 13, 2018 9:07 pm
Forum: Investing - Theory, News & General
Topic: Morningstar downgrades several Vanguard funds
Replies: 14
Views: 3071

Re: Morningstar downgrades several Vanguard funds

This is absurd. First, it's not true to any meaningful degree. And, second, even if it were, it's a market-cap-weighted index fund. My thoughts exactly. How do you "downgrade" an index fund based on its weightings? M* is in the business to sell investment advice. While they do supply useful informa...
by Random Musings
Tue Nov 13, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: World's worst market timer. Buy high, sell... never?
Replies: 15
Views: 7073

Re: World's worst market timer. Buy high, sell... never?

And after all those years, Bob said:

"I feel good, I feel great, I feel wonderful... I feel good, I feel great, I feel wonderful... I feel good, I feel great, I feel wonderful..."

Rumor has it his last name was Wiley.

RM
by Random Musings
Tue Nov 13, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: AQR fund family's performance relative to its benchmarks
Replies: 29
Views: 2081

Re: AQR fund family's performance relative to its benchmarks

Big picture, if you look at the aggregate, AQR's avg expense ratio is around 0.8%. For that, they capture the ER and provide you with some slight losses versus the benchmark.

Kinda reminds me of active funds, all you have to do is just pick the winnahs in advance.

RM
by Random Musings
Mon Nov 12, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: 20th Anniversary vacation ideas wanted
Replies: 29
Views: 1850

Re: 20th Anniversary vacation ideas wanted

Crete, Spain/Portugal, Phillipines

RM
by Random Musings
Mon Nov 12, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7832
Views: 1607234

Re: U.S. stocks in freefall

With most major indices currently down about 6-12%, there certainly is a lot of hand wringing.

If they go down 30-60%, then I expect a little more complaining.

Every time the market goes down, always a lot of chatter. When the market goes up, very few complain.

RM
by Random Musings
Thu Nov 08, 2018 10:31 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 131
Views: 9534

Re: Core-4 Investing is LIVE! It really is this time!

Rick, Congrats on this new endeavor and, as always, all the help you provide to members on this board. However, with these new portfolio choices, it may be helpful if you would provide Madsinger at least a couple of new high end processors so that he can continue to generate his monthly Madsinger re...
by Random Musings
Thu Nov 08, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: A reminder: Stay away from AQR
Replies: 168
Views: 12064

Re: A reminder: Stay away from AQR

I'd prefer and do purchase I-bonds or individual TIPS and hold to duration vs buying some 2% neutral strategy fund that, although better than their benchmark, has seemed to provide little for their investors and lots to those who market that strategy. I at least have a far better understanding of th...
by Random Musings
Tue May 09, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3819
Views: 1078255

Re: What Movie Have You Recently Watched?

Sing on DVD with the kids.

I thought is was enjoyable.

RM
by Random Musings
Mon May 01, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 9833

Re: Favorite Financial Indulgences

Travel.

Good food.

Ram
by Random Musings
Mon May 01, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 102
Views: 11614

Re: Dealing with regret

Set up a written investment plan and stick to it.

With your history of regret, perhaps a 60/40 allocation may be a max for you.

Willingness of risk may outweigh your need of risk.

RM
by Random Musings
Thu Apr 27, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 62
Views: 6276

Re: Is $20K I-Bonds considered cash or bond?

I treat I-bonds as bonds. Six of one, half dozen of the other.

With respect to "cash", MM funds have a short duration, I just use a weighted average calculation of my bonds/MM holdings to find my overall portfolio bond duration. Crude, but it works for me.

RM
by Random Musings
Thu Apr 27, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 237
Views: 24095

Re: What is your overall portfolio weighted expense ratio

0.20%.

Drag comes from 401K (which is a complaint), plus my two legacy active Vanguard funds (which I'm not complaining about).

RM
by Random Musings
Thu Apr 20, 2017 8:39 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 50864

Re: Larry Swedroe says "Goodby."

Good luck Larry in your future and spending more time with your family. One of my favorite topics that he wrote about was how an investor should consider their ability, willingness and need to take risk when considering their asset allocation. Although we can still read his articles, this is a loss ...
by Random Musings
Wed Apr 19, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe : Integrated Investment Plan
Replies: 35
Views: 7784

Re: Larry Swedroe : Integrated Investment Plan

Haven't posted in quite a while (but always looking) and I just have to say that it's a shame that Larry S. won't be providing his expertise on this board any more. Even though I don't use any of the (in my mind) esoteric products that he sometimes recommends, I find it very beneficial (and educatio...
by Random Musings
Wed Apr 19, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: New HVAC - Assessing Quotes? - Update, New Info
Replies: 40
Views: 5197

Re: New HVAC - Assessing Quotes?

Former hvac installer here, 5-600 sq ft per ton is normal, so a 4 ton for your home does not seem oversized, esp with multi stage. You could size lower with zoning. I wouldn't care too much about brand, they're all essentially the same. We installed Goodman and Amana, they are nice units with great...
by Random Musings
Tue May 24, 2016 1:43 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 11038

Re: How do Bogleheads TRAVEL?

Have vacationed at 48 states plus some overseas. All piecemeal. Do my own research and utilize trip advisor as well (and Fodor's and Frommer's). Lodging is usually moderately priced since we just tend to sleep there and perhaps take a quick dip in the pool. With kids, the dining is rarely high end. ...
by Random Musings
Mon May 23, 2016 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 35180

Re: Costco AMEX Transition - Costco has no answers

When it comes to the 3% restaurant, some restaurants obviously didn't qualify of the AMEX card. A good number of them. must be qualified restaurants just like the travel. RM Can you clarify "qualified restaurants"? Citi's website simply says "restaurants." Do you simply mean restaurants that take V...
by Random Musings
Fri May 20, 2016 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 35180

Re: Costco AMEX Transition - Costco has no answers

When it comes to the 3% restaurant, some restaurants obviously didn't qualify of the AMEX card. A good number of them.

must be qualified restaurants just like the travel.

RM
by Random Musings
Thu May 19, 2016 10:01 pm
Forum: Personal Consumer Issues
Topic: New England in August
Replies: 18
Views: 1761

Re: New England in August

With respect to Bar Harbour, we just take the kids there at night after our long days in Acadia NP. Get pizza, ice cream and walk around the town just to browse in the shops. As mentioned earlier, Camden in nice, but not really geared for small children. However, there is a nice state park there tha...
by Random Musings
Thu May 19, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: New England in August
Replies: 18
Views: 1761

Re: New England in August

With respect to 2-3 miles of hiking a day, Acadia has a good number of trails (for example, around Jordan Pond until you get to the rocks) where there is no/minimal elevation changes. So you could do more miles, even with children. I had a six year old and 2 year old (that I carried a bit), and we w...
by Random Musings
Fri May 13, 2016 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: More Americans over 65 are working
Replies: 7
Views: 1310

Re: More Americans over 65 are working

When looking at satisfaction, I wonder if the higher % in 1998 comes from the factor that retirement savings was rising nicely both due to a strong stock market and higher interest rates. 2012 was after a very nasty bear market which, in combo with withdrawals from ones savings, probably hurt more r...
by Random Musings
Thu May 12, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Gifted math program for 1st grade
Replies: 66
Views: 9187

Re: Gifted math program for 1st grade

It seems that too much time and money is spent on helping both tails of the educational distribution curve.

Not a smart way to make our country competitive worldwide.

RM
by Random Musings
Fri May 06, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House
Replies: 64
Views: 8556

Re: How Much House

Been 17 years at the house already...... 1.95 price of house to salary (ignoring 25% down). 30 year mortgage, but paid off in 12 years (refinanced once, easy 5 month payback since rates were over 8% when I closed) 2,500 sq. ft. If I ever decide to finish the basement, around 3,100 sq. ft. ignoring t...
by Random Musings
Fri Apr 15, 2016 10:21 am
Forum: Investing - Theory, News & General
Topic: Boomers' Retirement Confidence Hits All-Time Low
Replies: 7
Views: 1962

Re: Boomers' Retirement Confidence Hits All-Time Low

Here's where the author loses all credibility: The top-level findings of the survey may not be encouraging, but they do make a case for working with an advisor. Of the survey respondents who say they consult with a financial professional, 78% report they have at least $100,000 in savings for retire...
by Random Musings
Thu Apr 14, 2016 4:05 pm
Forum: Investing - Theory, News & General
Topic: Boomers' Retirement Confidence Hits All-Time Low
Replies: 7
Views: 1962

Re: Boomers' Retirement Confidence Hits All-Time Low

The article mentions that confidence has been going down since the poll has started.

Perhaps the ongoing trends in wealth distribution has attributed to some of this angst. Most likely, the trend towards self directed retirement savings versus a pension hasn't helped either.

RM
by Random Musings
Thu Mar 24, 2016 11:16 pm
Forum: Investing - Theory, News & General
Topic: ‘Rich Dad’ author says the 2016 market collapse is coming
Replies: 53
Views: 11088

Re: ‘Rich Dad’ author says the 2016 market collapse is coming

If it doesn't pan out, just write another book.

It was said there was a sucker born every minute, I'm starting to believe in the every other second timeframe.

RM
by Random Musings
Wed Feb 17, 2016 4:32 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 24469

Re: What video games are you currently playing?

None, except for an occasionally Wii game with the children.

Last time I got into games was Civilization IV - it took too much time.

RM
by Random Musings
Wed Feb 17, 2016 4:26 pm
Forum: Investing - Theory, News & General
Topic: [NY Times article: 100% Stock Allocation in Retirement]
Replies: 127
Views: 16645

Re: [100% Stock Allocation in Retirement]

I read the article. In theory, if you have a LOT of money (Buffett like), you can do that as equities have outperformed bonds in the very long run. Of course, if you have billions of $, you can live on hundreds of millions. However, doesn't work for a lot of cases. Those dreaded Monte Carlo simulati...
by Random Musings
Tue Feb 16, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 927
Views: 100515

Re: Netflix, Your Current Favorite Show

I liked Lilyhammer too, but it has "ended" - but you never know. I really enjoy Maron - but that show is a matter of personal taste, especially in regards to humor. Dexter was very good (nothing like rooting for a serial killer). Breaking Bad started out really strong but I started losing interest a...
by Random Musings
Fri Feb 12, 2016 4:29 pm
Forum: Investing - Theory, News & General
Topic: Leaving DFA advisor - should I keep DFA positions or simplify?
Replies: 21
Views: 3597

Re: Leaving DFA advisor - should I keep DFA positions or simplify?

Perhaps before breaking your relationship, if you care to simplify and keep some of the DFA funds, have the advisor consolidate to the funds you want to keep - then move on. But there are far too many, IMHO. Perhaps Larry could chime in to what number of funds do they average per client - at least i...
by Random Musings
Fri Feb 12, 2016 2:22 pm
Forum: Investing - Theory, News & General
Topic: Yellen: "We're taking a look at negative interest rates."
Replies: 56
Views: 10294

Re: Yellen: "We're taking a look at negative interest rates."

Central banks are playing the currency game. We are just mere pawns.

RM
by Random Musings
Sat Feb 06, 2016 10:00 pm
Forum: Personal Consumer Issues
Topic: Three devices = redundancy
Replies: 45
Views: 9110

Re: Three devices = redundancy

I don't have a smartphone, just one for talk and text. Wife has a smartphone that we can use for looking up stuff in a pinch when on the road. I like our IPad for home use, the larger screen size is easy on the eyes. Since I am on computers all the time at work, as many are these days, it's a blessi...
by Random Musings
Fri Feb 05, 2016 5:05 pm
Forum: Investing - Theory, News & General
Topic: Today's dumbest investment advice
Replies: 32
Views: 4882

Re: Today's dumbest investment advice

But there is always this classic:

The stock market is a scam....

RM
by Random Musings
Fri Feb 05, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 137
Views: 16411

Re: Sibling's destination wedding?

In cases where many key family members are spread out everywhere, it may make sense from a logistics standpoint. However, these far away (and expensive) destination weddings are nothing but a "It's all about us" mentality. Not that a wedding is that, but it takes that thought to another level. As ot...
by Random Musings
Thu Feb 04, 2016 5:42 pm
Forum: Investing - Theory, News & General
Topic: Take the Verb Tense Pledge!
Replies: 69
Views: 7347

Re: Take the Verb Tense Pledge!

In Western PA, a lot of people leave out "to be" in their sentences.

As examples:

The car needs washed.

The lawn needs cut.


So, in local plays Hamlet will say....

"Or not, that is the question".

RM
by Random Musings
Mon Jan 25, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: Netflix increasing prices. Will you keep it?
Replies: 73
Views: 11814

Re: Netflix increasing prices. Will you keep it?

Yes I will. However, I called them up and balked at the $2.00 increase. I was able to talk them down to a $1.25 per month increase.

RM
by Random Musings
Wed Jan 20, 2016 12:00 pm
Forum: Investing - Theory, News & General
Topic: [Investing] Things that would/will never happen in your lifetime
Replies: 43
Views: 6726

Re: [Investing] Things that would/will never happen in your lifetime

Stock Market guru's making the right calls most of the time.

The majority of active funds making positive alpha, after expenses.

Vanguard turning into a high expense ratio mutual fund company.

The Cubs winning the World Series - well, maybe next year.

RM
by Random Musings
Fri Jan 08, 2016 4:55 pm
Forum: Investing - Theory, News & General
Topic: The S&P 500 had a great year for foreign investors.
Replies: 20
Views: 3490

Re: The S&P 500 had a great year for foreign investors.

But if one is a long-term investor and rebalances, does not the currency fluctuations negate over the long-term if the assumption is made that RTM occurs between the major currencies? I guess the volatility in the currency which rolls into part of the returns for a period ends up being part of the r...
by Random Musings
Wed Jan 06, 2016 5:06 pm
Forum: Investing - Theory, News & General
Topic: [Market] Correction...Corection...Correction
Replies: 103
Views: 13229

Re: CORRECTION...Corection...Correction

Well, the midcaps are still in correction mode down around 12% off their highs.

And the small caps are around 15% off their highs.

Just the large caps are holding on right now, although the DJ Utilities is in correction territory and the DJ Transports are in bear market territory.

RM
by Random Musings
Sun Dec 13, 2015 8:42 am
Forum: Investing - Theory, News & General
Topic: Great Depression - 5 year Mortgage
Replies: 27
Views: 5013

Re: Great Depression - 5 year Mortgage

Longer housing mortgages made housing more affordable for more people. Extending car loans to seven years makes it affordable for more people to buy and put cars in those affordable homes for more people. Credit cards galore make buying things now more affordable to more people. Buy your furniture n...
by Random Musings
Thu Aug 27, 2015 9:34 am
Forum: Investing - Theory, News & General
Topic: Bounced back too quick
Replies: 34
Views: 7709

Re: Bounced back too quick

The last day and today - the big caps have nice moves. What is disconcerting is that the small caps (iwn, iwo and iwc) are lagging during this period - as they have for months now. However, I believe their Shiller PE's were higher than the S&P 500 Shiller PE when their underperformance started. Disc...
by Random Musings
Mon Aug 24, 2015 12:11 pm
Forum: Investing - Theory, News & General
Topic: "FEAR" Is Here,...
Replies: 53
Views: 8759

Re: "FEAR" Is Here,...

The S&P right now is about 10% off it's highs, the small-caps a little more.

I guess this qualifies as a correction. (so far)

RM
by Random Musings
Wed Jul 22, 2015 3:00 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3406
Views: 1014604

Re: What Book Are You Currently Reading? Part VI

Personal Memoirs of Ulysses S. Grant

Hiking Shenandoah National Park - Falcon Guide

RM
by Random Musings
Thu May 14, 2015 3:07 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 16089

Re: I Hate Vacations

I only have so many years on this little blue planet. Might as well check it out. So I do. Plus, when I get older and can't do what I do now, the experiences I'll remember during my travels will far outweight thinking about the tangible goods I have owed. Can't take it to my grave, anyway. RM For m...
by Random Musings
Wed May 13, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Wisconsin vacation ideas
Replies: 34
Views: 3877

Re: Wisconsin vacation ideas

Being an outdoors vacation type - Apostle Islands and Isle Royale National Park, the latter if you like to backpack (although considered park of Michigan). However, you'll have to drive to the UP of Michigan for the boat ride that takes you to Rock Harbor on the island.

RM
by Random Musings
Wed May 13, 2015 12:21 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 16089

Re: I Hate Vacations

I only have so many years on this little blue planet. Might as well check it out. So I do. Plus, when I get older and can't do what I do now, the experiences I'll remember during my travels will far outweight thinking about the tangible goods I have owed. Can't take it to my grave, anyway. RM