Search found 1937 matches

by zaboomafoozarg
Wed Nov 14, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1488
Views: 211688

Re: QSPIX - thoughts on interesting fund

betablocker wrote:
Wed Nov 14, 2018 3:54 pm
Maybe there should be a separate forum for those interested in factor investing.
I too have suggested a separate subforum here for these types of discussion.
by zaboomafoozarg
Tue Nov 06, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 702
Views: 113326

Re: High Earners - What's Your Profession?

triceratop wrote:
Tue Nov 06, 2018 11:53 am
I'm sorry if I offended you by my playful reminder that we are all very well off here.
Some people take this brag thread very seriously, LOL
by zaboomafoozarg
Sat Nov 03, 2018 11:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18266

Re: Vanguard website "unavailable during weekend of Nov 3"

Don't worry guys, it'll be OK. This kind of thing happens on the internet all the time.
by zaboomafoozarg
Sat Nov 03, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 8412

Re: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]

But if I can save money, continue to build wealth AND have these things by maintaining a job, then no way I’m giving them up to sit at home or do whatever free activity the FIRE people brag that they do. Many people who retire early don't do so on a shoestring. I actually plan to spend quite a bit ...
by zaboomafoozarg
Sat Nov 03, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: What FIRE says to me [Financial Independence, Retire Early]
Replies: 10
Views: 1110

Re: What FIRE says to me

What do you think? That's cool that you liked your job so much, but I'm still planning on quitting my full time job around 45. I've never found a job that was more fulfilling than stressful. The kind of stuff I really want to do doesn't really translate into employment. It may involve me running a ...
by zaboomafoozarg
Sat Nov 03, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 8412

Re: WSJ FIRE

A quote from the article say is all for me: Brandon Ganch, 36, who retired from his job as a software engineer in 2016, said his frugality became an obsession and he stressed over small purchases by his wife. He often got upset when visitors took long hot showers at his former Vermont home or his w...
by zaboomafoozarg
Sat Nov 03, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 8412

Re: WSJ FIRE

If portfolio drops and 4% swr isn’t enough then can you imagine trying to get another job after not working years in your 50s? You’ll be competing with college grads for burger flipping jobs given the probable state of economy in this environment. :D I'd just go get a contract job maintaining legac...
by zaboomafoozarg
Sat Nov 03, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 123
Views: 8847

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

Aren't those choices pure speculation?? It's definitely a type of speculation, but perhaps not "pure speculation" which seems to imply randomness of choice. For something like small value or REIT tilts, they are chosen because they offered a diversification benefit when overweighted for the last fe...
by zaboomafoozarg
Sat Nov 03, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18266

Re: Vanguard website "unavailable during weekend of Nov 3"

Man, I forgot about this. Just tried to go check on a transfer and got the "Site Temporarily Unavailable". :oops:
by zaboomafoozarg
Thu Nov 01, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: First U.S. Penny Will Be Auctioned for 100 Million Times Its Monetary Value
Replies: 13
Views: 2421

Re: First U.S. Penny Will Be Auctioned for 100 Million Times Its Monetary Value

Wow, that thing is still in great condition! A little too new for my tastes, I prefer Greek and Roman coins. But if someone wanted to give me this one I wouldn't turn them down :)
by zaboomafoozarg
Wed Oct 31, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 123
Views: 8847

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

Total Economy is my jam! I remember you writing a blog post a long time ago about REIT + SCV tilt as a proxy for small business and real estate, and I've stuck with that allocation ever since. Same 70/20/10 configuration and everything.
by zaboomafoozarg
Sun Oct 28, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18266

Re: Vanguard website "unavailable during weekend of Nov 3"

Dottie57 wrote:
Sat Oct 27, 2018 8:54 pm
Very, very likely the backend is COBOL. Databases on MF computers and batch processing.
I'm 99% sure that it is (or was in the past). I remember looking at software developer job openings there about 5 years ago and seeing that it was a mixture of Java and COBOL.
by zaboomafoozarg
Thu Oct 18, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: flat for the year
Replies: 27
Views: 2568

Re: flat for the year

Tamalak wrote:
Thu Oct 18, 2018 1:52 pm
I sure do wish international would decide to stop being trash for a little while.. :|
I'm just glad I can buy something that doesn't have a PE10 over 30.
by zaboomafoozarg
Fri Oct 05, 2018 10:18 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 198
Views: 10846

Re: Alan Roth doesn't like single premium annuities

The are NOT longevity insurance. This falsehood continues to be spread. The do not protect you from running out of money for old age because they do not protect against inflation for which the risk gets worse and worse the longer you live. You can buy SPIAs that increase payouts by the CPI each year.
by zaboomafoozarg
Tue Oct 02, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: Why won't the US markets average 0-2% (or 10-20%) real returns for a few decades?
Replies: 20
Views: 2831

Re: Why won't the US markets average 0-2% (or 10-20%) real returns for a few decades?

Seriously? Is this how some people really spend their day: thinking of how bad things will be over decades? It's certainly not how I want to spend my life as a human or as an investor. I usually expect and try to plan for bad outcomes, that way I'll end up pleasantly surprised if things aren't awful.
by zaboomafoozarg
Sun Sep 23, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: How do you define your success in our life, career and job?
Replies: 25
Views: 1858

Re: How do you define your success in our life, career and job?

The only goal of my career is to make enough money to retire. Once I can retire, I will have been successful.
by zaboomafoozarg
Thu Sep 13, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Assets Held In Street Name
Replies: 52
Views: 1542

Re: Vanguard Brokerage Assets Held In Street Name

I never saw anywhere to enter my street name when creating my Vanguard account...
by zaboomafoozarg
Mon Sep 10, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: Commodities have never been cheaper - time to buy?
Replies: 46
Views: 5176

Re: Commodities have never been cheaper - time to buy?

Yes, I like commodities now. My portfolio looks something like this: 20% gold 15% crude oil (via long-dated futures) 15% emerging markets equities 10% non-US developed markets equities 25% long term bonds 15% cash Whooey! This the the Contrarian's Cocktail. Well Done! Part of the issue may be job r...
by zaboomafoozarg
Sat Sep 08, 2018 10:27 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1488
Views: 211688

Re: QSPIX - thoughts on interesting fund

As far as Larry Swedroe, my interaction with him on this forum has caused me to think about things a bit differently. It isn't like I dropped everything I was doing before and went 100% with everything he says, but he has helped refine my thinking. Agreed. Our understanding of these concepts differ...
by zaboomafoozarg
Sun Sep 02, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 262
Views: 126121

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

wonder if asset allocation comfort can help, or work longer and have more cushion Asset allocation would probably help to an extent. A lot of people were talking like the whole financial system might be destroyed, so having some real assets like real estate and gold/silver might've helped with the ...
by zaboomafoozarg
Sun Aug 26, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: What non-Vanguard ETFs will you be looking to buy?
Replies: 62
Views: 6774

Re: What non-Vanguard ETFs will you be looking to buy?

Doc wrote:
Sun Aug 26, 2018 2:43 pm
I don't buy odd lots. The bookkeeping would drive me crazy.
What makes odd lots harder to handle than round lots? I've never bought 100 of anything, I just buy based on the amount of money I want to invest, and I've never run into a problem that I know of.
by zaboomafoozarg
Tue Aug 21, 2018 10:09 pm
Forum: Investing - Theory, News & General
Topic: What non-Vanguard ETFs will you be looking to buy?
Replies: 62
Views: 6774

Re: What non-Vanguard ETFs will you be looking to buy?

I'm considering IJS instead of VSIAX for US small cap value, and DLS + DGS instead of VSS for international small cap value.
by zaboomafoozarg
Sun Aug 12, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 151
Views: 20108

Re: International stocks in free fall

The way I'm viewing it, my taxable account is a stand-alone portfolio since I'll hopefully rely on it for about 10 years before I can touch and take anything out of my 401K. I also view it that way because of planned usage in early retirement, and I use VWITX (Vanguard intermediate-term tax-exempt ...
by zaboomafoozarg
Tue Aug 07, 2018 5:23 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 14167

Re: "Age in Bonds" fails almost everyone

75/25 for life, no asset allocation charts needed.
by zaboomafoozarg
Fri Aug 03, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: 3 Levels of Wealth
Replies: 125
Views: 12153

Re: 3 Levels of Wealth

Hopefully in the future I'll get some time to concentrate on scaling Maslow's pyramid instead of just making, saving and worrying about money.
by zaboomafoozarg
Sun Jul 29, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements blog - Argues for all-in-one fund
Replies: 21
Views: 3923

Re: Jonathan Clements blog - Argues for all-in-one fund

(bonds in taxable accounts are tax inefficient) Tax inefficient, but perhaps better from a total-portfolio point of view: https://www.whitecoatinvestor.com/asset-location-bonds-go-in-taxable/ I just use VWITX (US muni fund bonds) in taxable to avoid the federal taxes. I've considered my state-speci...
by zaboomafoozarg
Sat Jul 28, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio: Is it 1937 all over again?
Replies: 45
Views: 6444

Re: Ray Dalio: Is it 1937 all over again?

Blueskies123 wrote:
Sat Jul 28, 2018 11:59 am
Here is Ray's current portfolio, he appears to staying the course.
Interesting, no developed international markets, only emerging with a tilt to Brazil.
by zaboomafoozarg
Sat Jul 28, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Vgd alt strategies fund (vasfx) open to retail investors?
Replies: 23
Views: 2045

Re: Vgd alt strategies fund (vasfx) open to retail investors?

Interesting, it seems I saw this was closed just a couple weeks ago.
by zaboomafoozarg
Fri Jul 27, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: WSJ--Vanguard Sent Erroneous Text Messages to Some 401(k) Customers Messages said loans had been processed
Replies: 12
Views: 1253

Re: WSJ--Vanguard Sent Erroneous Text Messages to Some 401(k) Customers Messages said loans had been processed

This thread is roughly a day and a half old. Only nine responses. I can only imagine how many responses there would be if Fidelity did this instead of Vanguard. Who knows, there might be less. I don't think that an erroneous text message sent to a few people is a really big deal, and certainly not ...
by zaboomafoozarg
Thu Jul 26, 2018 10:46 pm
Forum: Investing - Theory, News & General
Topic: WSJ--Vanguard Sent Erroneous Text Messages to Some 401(k) Customers Messages said loans had been processed
Replies: 12
Views: 1253

Re: WSJ--Vanguard Sent Erroneous Text Messages to Some 401(k) Customers Messages said loans had been processed

The thing is, I think the customer service is probably just fine. Their IT is not. IT problems lead to more customer service inquiries which leads to long wait times both to have your inquiry answered and then to resolve the problem. Having worked with legacy mainframe systems and having heard that...
by zaboomafoozarg
Thu Jul 26, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 11418

Re: Facebook stock in freefall! (20% drop in 1-day)

Did this count as an RBD for Facebook? :D
by zaboomafoozarg
Sun Jul 22, 2018 12:22 am
Forum: Investing - Theory, News & General
Topic: Index-ish fund that lacks FAANG?
Replies: 45
Views: 4783

Re: Index-ish fund that lacks FAANG?

Maybe RVRS? It's a reserve-weighted S&P500 ETF, so FAANG would still be in there but at the lowest holdings amounts. It's still pretty new and small, and I don't own it. But I just saw it the other day and was interested in the idea of holding some of that in conjunction with the total US market fund.
by zaboomafoozarg
Sat Jul 21, 2018 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Since ETFs will be free to trade at VG - any better choices for small/value besides VBR/VSS?
Replies: 11
Views: 1489

Re: Since ETFs will be free to trade at VG - any better choices for small/value besides VBR/VSS?

Be careful what you wish for. :) True, as I thought about this I realized that it could be bad timing. Knowing my luck it probably will be! Would anybody move some assets in VSS, DLS, DGS, IJS, and VBR into DFCEX and/or DFSTX? Thanks! I'm not sure if I'd go to those since they're not really valuey,...
by zaboomafoozarg
Sat Jul 21, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: The joys of investing
Replies: 23
Views: 3009

Re: The joys of investing

The hope that once I get enough money from investing, I can quit my full-time job forever.

Currently shooting for age 45, but it might take 5-10 years longer than that.
by zaboomafoozarg
Sun Jul 15, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: Why is leveraging property good but leveraging stocks bad?
Replies: 206
Views: 16068

Re: Why is leveraging property good but leveraging stocks bad?

whodidntante wrote:
Sat Jul 14, 2018 8:37 am
"Leverage is bad" is not a reasonable conclusion from his story.
From his thread, I did learn that having someone that can bail you out on the order of six figures makes things safer.
by zaboomafoozarg
Sat Jul 14, 2018 11:43 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 14468

Re: Saving 20% of paycheck isn't enough

^

The above post makes my head hurt.
by zaboomafoozarg
Sat Jul 14, 2018 10:22 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Diversifying Through Reinsurance And Marketplace Lending Interval Funds
Replies: 50
Views: 3977

Re: Larry Swedroe: Diversifying Through Reinsurance And Marketplace Lending Interval Funds

Bodhi312 wrote:
Sat Jul 14, 2018 9:23 pm
www.fplcapital.com

I’m a client of theirs, but have not invested in StoneRidge funds.
I've considered talking to FPL but decided I don't have enough money to invest to make the $1k/year fee palatable. Maybe if someday I have enough to keep the cost below 0.1% AUM I'll reconsider.
by zaboomafoozarg
Sun Jul 08, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: WCI blog post - "This Real Estate Bubble - Likely Isn't a Bubble"
Replies: 58
Views: 7167

Re: WCI blog post - "This Real Estate Bubble - Likely Isn't a Bubble"

I'm kind of sad I didn't buy a house 6 or 7 years ago when prices were really low.

Then again, any house I bought would've been 100 miles away from work since I changed jobs 5 years ago.
by zaboomafoozarg
Sat Jul 07, 2018 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Why [was] QSPIX steadily declining?
Replies: 77
Views: 11786

Re: Why [was] QSPIX steadily declining?

Resurrecting an old thread, but does anyone have a clue as to why QSPIX had such a terrible month in May 2018? It's off about 5% for the month and the year. Certainly continues to be uncorrelated, but I'm not sure why it had such a steep drop in the month. Not sure, I just noticed today that the dr...
by zaboomafoozarg
Sat Jul 07, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Since ETFs will be free to trade at VG - any better choices for small/value besides VBR/VSS?
Replies: 11
Views: 1489

Since ETFs will be free to trade at VG - any better choices for small/value besides VBR/VSS?

I've used VBR (Vanguard's US small value) and VSS (Vanguard's ex-US small cap) for years in my IRA.

But given that other ETFs will be free to trade next month, are there any other small value ETFs that will be worth considering?
by zaboomafoozarg
Fri Jul 06, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 19842

Re: Morningstar: prepare for a lost decade for U.S. stocks

I've been prepared for it for years. I fully expect reality to catch up with us, and to see much lower market returns in this century than the last one.
by zaboomafoozarg
Tue Jul 03, 2018 6:46 am
Forum: Investing - Theory, News & General
Topic: Advocating to not index
Replies: 28
Views: 3597

Re: Advocating to not index

I never talk to anyone in real life about investing, because I don't feel like opening up that potential risk of getting blamed for monetary loss.
by zaboomafoozarg
Mon Jul 02, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Baseball simulator games (e.g., Strat-o-Matic, etc)
Replies: 22
Views: 2654

Re: Baseball simulator games (e.g., Strat-o-Matic, etc)

Baseball Simulator 1.000 for the NES will always be my favorite baseball game.
by zaboomafoozarg
Thu Jun 28, 2018 7:51 am
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7893

Re: Are we just way over complicating this?

livesoft wrote:
Wed Jun 27, 2018 9:39 am
BTW, Balanced Index fund is having what I would call a spectacular year with its lack of international assets. It is really kicking butt compared to comparable LifeStrategy and Target Retirement funds.
Eh, 0.94% vs -0.49% is better but I don't know if it qualifies as spectacular.
by zaboomafoozarg
Mon Jun 25, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605779

Re: U.S. stocks in freefall

pokebowl wrote:
Mon Jun 25, 2018 12:36 pm
I feel this dip is primarily impacting those who invested in Chinese meme stocks over this last week. :mrgreen:
Queue the $IQ jokes :D
by zaboomafoozarg
Sun Jun 24, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Anti Indexing investment
Replies: 15
Views: 1666

Re: Anti Indexing investment

Private equity?
by zaboomafoozarg
Fri Jun 22, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Factor Investing Makes Someone Money, But Maybe Not You
Replies: 126
Views: 9820

Re: Factor Investing Makes Someone Money, But Maybe Not You

I have using a 30% tilt to SCV and REITs since 2012. Based on my calculations, this tilt hasn't really helped or hurt. My CAGR and volatility have both been about 0.05% less than a 3-fund, and I've lost about $500 total by tilting. Honestly, the only real reason I'm tilting is the fear of missing out.
by zaboomafoozarg
Fri Jun 15, 2018 3:00 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 12952

Re: Which boglehead rule do you break--and are ok with

Unlike other Bogleheads, I don't have a $5,000 wristwatch. :D