Search found 155 matches

by wesgreen
Tue Apr 17, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: How Warren Buffett Won His Multi-Million Dollar Long Bet
Replies: 27
Views: 3684

Re: How Warren Buffett Won His Multi-Million Dollar Long Bet

Protégé Partners specializes in fund-of-hedge-funds investing. That was their schtick, that's why Seides did it. In their words, Through tenured judgment, deep-dive due diligence and pro-active risk management, we strive to identify best-in-class managers and put capital to work through arms-length...
by wesgreen
Thu Apr 05, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 11272

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

Here's a post in another thread I found interesting and pertaining to our discussion: Re: How much international stock? A suggestion. Post by oldzey » Wed Apr 04, 2018 7:56 pm "The inception date of Vanguard Total Stock U.S. Stock Market Index Fund (VTSMX) was 4/27/1992. The inception date of Vangu...
by wesgreen
Thu Apr 05, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 11272

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

Here's a post in another thread I found interesting and pertaining to our discussion: Re: How much international stock? A suggestion. Post by oldzey » Wed Apr 04, 2018 7:56 pm "The inception date of Vanguard Total Stock U.S. Stock Market Index Fund (VTSMX) was 4/27/1992. The inception date of Vangua...
by wesgreen
Tue Apr 03, 2018 11:12 pm
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 11272

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

"So if you bet entirely on one of the two largest stock markets in 2000 (note that this graph starts after Japan's big crash and gets much, much, much worse if you go back another 5 or 10 years), and you picked wrong, you'd have had dismal returns versus great returns." There are many historical, g...
by wesgreen
Sun Apr 01, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 11272

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

"So if you bet entirely on one of the two largest stock markets in 2000 (note that this graph starts after Japan's big crash and gets much, much, much worse if you go back another 5 or 10 years), and you picked wrong, you'd have had dismal returns versus great returns." There are many historical, ge...
by wesgreen
Tue Mar 27, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Purchasing an instrument
Replies: 25
Views: 1314

Re: Purchasing an instrument

Rent. Wait until your daughter wants her own bad enough to beg for it.
by wesgreen
Sat Mar 24, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Indoor plant recommendations
Replies: 6
Views: 567

Re: Indoor plant recommendations

I find Yucca plants nice, and I haven't killed one yet.
by wesgreen
Wed Feb 21, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can you transfer money with TransferWise directly to Vanguard?
Replies: 9
Views: 566

Re: Can you transfer money with TransferWise directly to Vanguard?

Thank you very much for all the responses. I had not even thought of setting up direct deposit in Vanguard for Transferwise, because these are only occasional transactions at varying amounts. It may be worth a try, as I didn't see any requirement excluding those. However, Vanguard asks you to submit...
by wesgreen
Tue Feb 20, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can you transfer money with TransferWise directly to Vanguard?
Replies: 9
Views: 566

Can you transfer money with TransferWise directly to Vanguard?

I would like to send money from abroad 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 us...
by wesgreen
Sat Feb 17, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 152
Views: 11401

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: 3444

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: 2197

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: 4741

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: 5627

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: 57
Views: 9618

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: 57
Views: 9618

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: 57
Views: 9618

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: 57
Views: 9618

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: 57
Views: 9618

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: 18751

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: 2882

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: 1521

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: 1383

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: 4016

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: 3665

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: 3665

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: 14431

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: 2202
Views: 1368393

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: 1164

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...1.5 years later
Replies: 198
Views: 27864

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: 2049

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: 31206

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: 3689

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: 9804

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: 59668

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: 2326

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: 6683
Views: 1449207

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: 7735

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: 7735

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: 5438

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: 5394

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: 11380

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: 8195

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: 5014

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: 6342

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: 1281

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) ...