Search found 145 matches

by wesgreen
Sat Feb 17, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 124
Views: 6591

Re: philosophicaleconomics predicts 4% real equity returns

Future U.S. Equity Returns: A Best-Case Upper Limit Posted on January 15, 2018 by philosophicalecon@gmail.com http://www.philosophicaleconomics.com/2018/01/future-u-s-equity-returns-a-best-case-upper-limit/ I find this article highly fascinating. It confirms a hunch I've had all along that inflated...
by wesgreen
Sat Feb 17, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Use of TransferWise to move money - my experience - your thoughts?
Replies: 19
Views: 2913

Re: Use of TransferWise to move money - my experience - your thoughts?

I would like to send money via TransferWise directly to my Vanguard Prime Money Market account. When I choose "bank transfer" on their website, TransferWise asks me for routing and account numbers. Vanguard CS tells me Vanguard doesn't have a routing number. Does anybody know if I can use Vanguard's...
by wesgreen
Sat Feb 10, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Folding bicycles
Replies: 29
Views: 1844

Re: Folding bicycles

I'm almost 6'4''. That (besides the price, weight and design) is why I avoid Brompton bikes. Tern I avoid (besides the price and weight)because their frames fall apart. My Dahon Vitesse D3 ($500, plus $125 for a better crank/chainring) rides pretty much like a big bike after it was set up right, bet...
by wesgreen
Wed Dec 13, 2017 9:27 pm
Forum: Investing - Theory, News & General
Topic: Jim Simons Medalion fund averages 71.8% annual return
Replies: 26
Views: 4226

Re: Jim Simons Medalion fund averages 71.8% annual return

I'm very impressed, and I hope it's all true and legit. If so, right now would be the time to get out.
by wesgreen
Sat Nov 18, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, the world's richest man
Replies: 25
Views: 5333

Re: Jack Bogle, the word's richest man

Well said. And it's nice to know he's around to see the fruits of his labor and accept people's gratitude. That's not always the case with our heroes.
by wesgreen
Tue Nov 07, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 56
Views: 6311

Re: U.S. & International Allocation

Time will tell. So far it 's been ttelling us that Bogle is right. I don't feel great about going against Vanguard's advice; it's hard to imagine they could be so wrong. If you use performance figures to determine which investment was "right" and which investment was "wrong", you always will be wro...
by wesgreen
Tue Nov 07, 2017 3:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 56
Views: 6311

Re: U.S. & International Allocation

Time will tell. So far it 's been ttelling us that Bogle is right. I don't feel great about going against Vanguard's advice; it's hard to imagine they could be so wrong.
by wesgreen
Tue Nov 07, 2017 12:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 56
Views: 6311

Re: U.S. & International Allocation

I don't think I'll ever recover what I lost by going 30% international. I shouldn't have listened to people who think they're smarter than John Bogle. If you mean you don't think your returns on your international stocks ever will be greater than 0%, that's unlikely. Unless you sold them at a loss,...
by wesgreen
Mon Nov 06, 2017 11:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 56
Views: 6311

Re: U.S. & International Allocation

I've been investing a little longer than that, and those 10 years hardly bothered me. Maybe if I got really drunk I might be able to get your point?
by wesgreen
Mon Nov 06, 2017 6:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 56
Views: 6311

Re: U.S. & International Allocation

I don't think I'll ever recover what I lost by going 30% international. I shouldn't have listened to people who think they're smarter than John Bogle.
by wesgreen
Sun Aug 20, 2017 11:08 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 16103

Re: I own no international stocks. Can you guess why?

I wish I had followed that path many years ago. It always seems a little strange to me why so many people who seem to think Jack Bogle and Taylor Larimore are wrong, or not that smart, insist on posting on this website called Bogleheads. But it does stimulate lively discussion, which is a good thing.
by wesgreen
Sun Jul 23, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Medicaid Article
Replies: 16
Views: 2785

Re: NYT Medicaid Article

That must be a nice bubble you live in!
by wesgreen
Sun Apr 09, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Lower income investing
Replies: 14
Views: 1402

Re: Lower income investing

Well, I think you found the right place and are on the right path. Read the Wiki first, then read it once more. At that point you'll know what to do. The forums are just icing on the cake.
by wesgreen
Fri Mar 10, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Form
Replies: 12
Views: 1318

Re: Turbo Tax Form

What livesoft said worked for me this year with TT online, before I paid.
by wesgreen
Sun Feb 05, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 52
Views: 3798

Re: ringplus mobile premium plans - what is your experience?

FP have a new ATT sim for $1.99 that should work better. I just transferred a LG Tribute HD over to FP from Ring+ (cost: $20) , and VOIP calls are crystal clear, probably because it gets 4G data speed. Ymmv.
by wesgreen
Tue Jan 10, 2017 9:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard International Index Returns
Replies: 20
Views: 3488

Re: Vanguard International Index Returns

Phineas, thank you very much for your perspective and the links. I guess I do suffer from recency bias, if losing to TSM for 20 years (and counting) is just a short blip in your investing career. Definitely from loss aversion! It wasn't a huge mistake, but an unnecessary one, especially for a Bogleh...
by wesgreen
Mon Jan 09, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard International Index Returns
Replies: 20
Views: 3488

Re: Vanguard International Index Returns

My investing horizon hopefully extends another 30 or 35 years, if I get very lucky. I don't think my retirement portfolio will recover from the losses my international allocation has amassed, compared to the Total US part. Ignoring Mr.Bogle's advice on this may be my biggest investing mistake so far...
by wesgreen
Sun Jan 08, 2017 8:52 pm
Forum: Investing - Theory, News & General
Topic: Bogle worried Vanguard is getting too big
Replies: 68
Views: 14052

Re: Bogle worried Vanguard is getting too big

Munir wrote: I don't want nor need any changes, and prefer the lowest cost service. In fact, that's why I chose Vanguard.
Well said, likewise here.
by wesgreen
Thu Jan 05, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2066
Views: 1258048

Re: The Three-Fund Portfolio

Very useful. Thank you both!
by wesgreen
Sun Dec 18, 2016 8:07 pm
Forum: Personal Consumer Issues
Topic: Recommendations for learning yoga, meditation
Replies: 7
Views: 1109

Re: Recommendations for learning yoga, meditation

Congrats and best of luck on your search. I think being healthy and feeling energetic should help with finding enlightenment. I love some of the free Yoga android apps which get me motivated to exercise every morning now. One is called "Yoga Daily Workout". Every time a bell rings, you move to a new...
by wesgreen
Sat Dec 10, 2016 7:25 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...One Year later!
Replies: 179
Views: 23425

Re: Learning an instrument as an adult?

Unlike investing, this is a field where you get out about as much as you put in. You have to enjoy the growth process, even when it's slow. Remember - no one musician has it all together.
by wesgreen
Mon Oct 10, 2016 10:53 pm
Forum: Personal Consumer Issues
Topic: Best budget Waterpik?
Replies: 13
Views: 1811

Re: Best budget Waterpik?

Well, I'm grateful. I think I'll get one.
by wesgreen
Sat Sep 10, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 30015

Re: How much is your cell phone bill?

Google Voice as my main #, through Ring Plus, with FreedomPop as backup 3 lines, 1 GSM phone with 2 FreedomPop global sims for $0.99 each Each line has a different plan, depends on what promotion is available during sign up Voice: 4000 minutes, 200 free international mins. Text: 4000 Data: 6.5 gb (1...
by wesgreen
Sat Aug 27, 2016 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Is anyone using a free cell phone service provider?
Replies: 21
Views: 3600

Re: Is anyone using a free cell phone service provider?

Satisfied Ringplus user for about 18 months. FreedomPop (2 Global Sims with free monthly service for $0.99 each) as backup. The startup cost for Ringplus accounts has gone up with new restrictions on byod phones imposed by Sprint, but it's still a great deal. I get about 3000 mins./7GB free per mont...
by wesgreen
Thu Aug 18, 2016 1:36 pm
Forum: Investing - Theory, News & General
Topic: The annuity puzzle, and a suggestion
Replies: 108
Views: 9428

Re: The annuity puzzle, and a suggestion

Phil YES, there is. When a new insurer takes over the don't have to owner the terms if they show the rate was "too high" and they can lower it then I would ONLY buy annuities therefore from the HIGHEST rated companies. This is a Pascal's Wager type bet where the cost of being wrong is too high to t...
by wesgreen
Sun Jul 31, 2016 8:11 pm
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 353
Views: 58341

Re: Decided to try timing the market. 100% short on 9/17/15

I just don't understand the temptation, when Mr.Bogle's strategy pretty much guarantees success in the long run, and at the same time allows you to spend your time and energy on far more interesting and important things than stocks.
by wesgreen
Sun Jun 19, 2016 4:54 pm
Forum: Personal Consumer Issues
Topic: I hate cell phones [battery problems]
Replies: 17
Views: 2285

Re: I hate cell phones [battery problems]

I like cheap LG phones that can be easily rooted. Then I install Greenify (the free app). I also take an all black photo with the camera, and install it as background - no need to illuminate the world. I've never ever run out of battery, not even on transatlantic travel.
by wesgreen
Wed Apr 20, 2016 7:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261969

Re: U.S. stocks in freefall

broadstone, I would suggest following Homer J's advice. If you're late to the party (I know the feeling) you really can't afford to play games. You have to be cold and effective, and go by the odds, not emotions or hunches. And stay the course. Not easy, but simple. And then send him a birthday card...
by wesgreen
Sun Apr 17, 2016 4:13 pm
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 7468

Re: A Month in Manhattan

Someone mentioned Grant's Tomb - In July or August: free Jazzmobile jazz concerts at 7 pm every week day. Wednesdays at Grant's Tomb, Fridays in Marcus Garvey Park, aso. Listen to jazz in the company of people who actually understand or even helped create it. Only in NY/America... Take a blanket or ...
by wesgreen
Sun Apr 17, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 7468

Re: A Month in Manhattan

Shakespeare in the Park. Isamo Noguchi museum and Socrates Sculpture Park (next to each other) on the East River. Snug Harbor Cultural Center in Staten Island (free ferry ride from South Ferry, then a short city bus ride). Governor's Island - free bike rental in the am. Before walking the Highline, ...
by wesgreen
Thu Apr 14, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: My current bicycle tour in Italy
Replies: 39
Views: 5269

Re: My current bicycle tour in Italy

Thanks for this thread, Raybo. Keep them coming. I'm dreaming of a boglehead bicycling sub - forum someday. Have a happy trip!
by wesgreen
Sun Apr 03, 2016 9:01 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle and Global Corruption Crackdown
Replies: 32
Views: 5286

Re: Mr. Bogle and Global Corruption Crackdown

I share your concern. I probably should have listened to Mr.Bogle and ignored Vanguard and others. He's usually right. I'm hoping to get my 25% international down to 20% with new money, without selling any of it. It's in my Roth, so I plan on just ignoring it for as long as possible, without adding ...
by wesgreen
Tue Mar 29, 2016 4:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 56
Views: 11014

Re: Where is YDNAL?

That's good to hear, thanks!
by wesgreen
Mon Mar 28, 2016 8:44 pm
Forum: Investing - Theory, News & General
Topic: Anyone else feeling a correction brewing?
Replies: 60
Views: 7977

Re: Anyone else feeling a correction brewing?

Always. I hope we'll all be ready to do nothing about it when it hits. My personal strategy is 100% stocks, and being too lazy to log into Vanguard to look.
by wesgreen
Sun Mar 27, 2016 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Why have more than 20% in bonds?
Replies: 37
Views: 4892

Re: Why have more than 20% in bonds?

According to what I find on firecalc, over 30 years, with a 4% inflation adjusted withdrawal rate, the difference in the success rate between portfolios with 20% and 40% bonds has been less than 1%, 94.8% and 95.7%. With a 3.5% inflation adjusted withdrawal rate, the difference in the success rate b...
by wesgreen
Sun Mar 13, 2016 10:41 pm
Forum: Investing - Theory, News & General
Topic: Less is more [Vanguard blog - 2% economic growth prediction]
Replies: 41
Views: 6215

Re: Less is more [Vanguard blog - 2% economic growth prediction]

These forecasters always remind me of the weather report - a pessimistic forecast causes fewer complaints and problems when it turns out to be wrong.
Someone recommended: "Stay flexible, my friends". That seems actually useful and actionable, in more ways than one.
by wesgreen
Fri Feb 12, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Freeze Veggies for Stir-Fry?
Replies: 8
Views: 1180

Re: Freeze Veggies for Stir-Fry?

I didn't think I'd ever post anything about cooking, but since you asked... An amazingly tasty and healthy not-too-complicated and even cheap way I devised to eat vegetables is to roughly chop up a mix up fresh ones (broccoli, carrots, onions, peppers, whatever), add some (just a spoonful or 2 of) ...
by wesgreen
Thu Feb 11, 2016 3:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261969

Re: U.S. stocks in freefall

These are the times when we earn it (our "fair share of what the market earns"). Staying the course. At least, there's no heavy lifting required. And, not having bonds or much cash, I don't even have to worry about rebalancing - phew!
by wesgreen
Mon Feb 08, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: Traveling in Retirement
Replies: 57
Views: 5898

Re: Traveling in Retirement

So what do we do? We have a camper and take long weekend and spring break trips to parks around Texas and the Southwest (New Mexico, Arkansas, and the Florida Gulf Coast). But even that is getting more of a trial with sullen grumpy teenagers who would rather be in a 4-star hotel than cramped in wit...
by wesgreen
Sat Feb 06, 2016 10:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261969

Re: U.S. stocks in freefall

"You shouldn't buy an index fund because you think it's a hot performer. Buy it because you're going to hold it forever," Bogle recently told Money magazine.
by wesgreen
Fri Jan 29, 2016 9:52 pm
Forum: Personal Consumer Issues
Topic: Buying Carpet and Painting
Replies: 32
Views: 3252

Re: Buying Carpet and Painting

Dang-it, I meant check out voc - free paint, not cfc - free.
by wesgreen
Wed Jan 27, 2016 9:09 pm
Forum: Personal Consumer Issues
Topic: Buying Carpet and Painting
Replies: 32
Views: 3252

Re: Buying Carpet and Painting

Check out cfc-free paint. Good for you.
by wesgreen
Wed Jan 27, 2016 7:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261969

Re: U.S. stocks in freefall

The buy-and-hold investor need not contend with just the "fear factor," wesgreen, but actual *risk* as the market can remain low longer than the buy-and-hold investor can remain solvent. And that risk is higher the shorter one's duration of savings. (Addressing the risk requires recognizing valuatio...
by wesgreen
Tue Jan 26, 2016 5:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261969

Re: U.S. stocks in freefall

Maybe this stat is influenced by the many cases when investors don't stay the course and fiddle around. Then the clock probably resets? Anyway, holding stocks past age 65 seems crucial to me. I think a study of bogleheads might come up with different results.
by wesgreen
Mon Jan 25, 2016 9:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 56
Views: 11014

Re: Where is YDNAL?

I miss YDNAL and sscritic as well. I realize rules need to be followed, but would it be possible to reinstate sscritic on parole/probation at some point?
by wesgreen
Mon Jan 25, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261969

Re: Stay-they-course

"Some Bogleheads do believe everything will work out great if simply stay-the-course." Wesgreen: It took awhile for me to understand, but "stay-the-course" has worked beautifully for me at age 92. Best wishes Taylor I know. Thank you for the inspiration. Couldn't have done it without you. Best wish...
by wesgreen
Mon Jan 25, 2016 10:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261969

Re: U.S. stocks in freefall

Thank you for this, James22. Interesting way of looking at things, but maybe too complicated for my pea brain to really get the point. How would you say has this influenced your investing? "Some Bogleheads do believe everything will work out great if simply stay-the-course." Guilty as charged. At le...