Search found 3132 matches

by woof755
Sun Jan 05, 2020 2:41 pm
Forum: Investing - Theory, News & General
Topic: Jason Hsu and William Bernstein Like Overbalancing
Replies: 62
Views: 10987

Re: Jason Hsu and William Bernstein Like Overbalancing

I find it paradoxical that momentum is a factor in investing, and over-rebalancing is beneficial as well. Probably bc I am misunderstanding something. I'll admit.
by woof755
Fri Dec 27, 2019 3:42 pm
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 243
Views: 248546

Re: [Why did my fund suddenly drop in value?]

Thanks for the clarification!
by woof755
Fri Dec 27, 2019 2:33 pm
Forum: Investing - Theory, News & General
Topic: If You Only Invest in an Index, You’ll Never Beat It
Replies: 100
Views: 9717

Re: If You Only Invest in an Index, You’ll Never Beat It

Barron's has an interesting article in their 12/20/2019 edition: Master Stockpicker Peter Lynch: If You Only Invest in an Index, You’ll Never Beat It https://www.barrons.com/articles/master-stockpicker-peter-lynch-if-you-only-invest-in-an-index-youll-never-beat-it-51576874071?mod=article_signInButt...
by woof755
Fri Dec 27, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Larry Swedroe's Best and Worst Investment (and Other) Books of 2019
Replies: 3
Views: 768

Re: Larry Swedroe's Best and Worst Investment (and Other) Books of 2019

Larry is my favorite financial author. Despite the fact that macroeconomics is politics, and Larry’s leanings are much more freshwater than saltwater.
by woof755
Fri Dec 27, 2019 2:16 pm
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 243
Views: 248546

Re: [Why did my fund suddenly drop in value?]

Is Vanguard late to post dividends for anyone else? My funds’ ex-div date is 12/23 and I still don’t see anything.
by woof755
Mon Dec 23, 2019 3:41 am
Forum: Investing - Theory, News & General
Topic: Best Finance Twitter Accounts?
Replies: 5
Views: 549

Re: Best Finance Twitter Accounts?

@MichaelKitces
@behaviorgap Carl Richards
@jasonzweigwsj
@WadePfau
@daniel_egan
@ritholtz
@Noahpinion
Robin Powell
@NinjaEconomics
@bencasselman
@JustinWolfers
@TimHarford
@Tylercowen
@R_Thaler
@PennyWriter Penelope Wang
@fesearchpuzzler Tom Brakke
@TheFinanceBuff
@RobinJPowell
by woof755
Tue Dec 17, 2019 12:37 am
Forum: Personal Investments
Topic: Converting mutual funds to index funds efficiently
Replies: 9
Views: 617

Re: Converting mutual funds to index funds efficiently

One tiny tip I can offer in the meantime... If you have not maxed out your 401k, apply all of your final one or two paychecks this year to the 401k. If you need cash, sell your funds in taxable accounts to cover expenses. This will, in effect, convert taxable money to 401k money. the cap gains you w...
by woof755
Sun Jul 07, 2019 8:26 pm
Forum: Personal Investments
Topic: Theory: NOW is the Best Time for Total World Stock
Replies: 145
Views: 19922

Re: Theory: NOW is the Best Time for Total World Stock

I'm split 60/40 stocks and bonds, and 60/40 US and international. I like the symmetry and having been at this allocation for the last several years, I find myself rarely looking at the market results. No idea if this is the best split going forward, but it's the one that I'm fully comfortable with. ...
by woof755
Sun Jul 07, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1644
Views: 182153

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

On HBO: Chernobyl is fantastic. It's not a mushy human drama--it lets the events provide the drama and does so expertly. The final episode walks you through the events and the science of how a reactor could blow up, achieving the seemingly impossible feat of making it entertaining and informative. I...
by woof755
Thu May 09, 2019 1:12 am
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 65
Views: 5670

Re: French Door Refrigerator Recommendations?

Man, I looked up the reviews of the KitchenAid we wanted to buy and the majority of them were terrible. So I went to Consumer Reports and saw that they recommended Samsung and LG. So I looked up the reviews for these and the majority of them were terrible. But at least they were funny! Best uses of ...
by woof755
Thu Jan 17, 2019 12:00 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 58627

Re: John Bogle is dead at 89

nisiprius wrote:
Wed Jan 16, 2019 5:48 pm
Oh, no. Words fail me.
This is how I feel.
Words are inadequate right now.

But, his legacy lives with everyone here and so many more.
by woof755
Fri Nov 16, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: IRS announces 2019 Tax Rates, Standard Deduction, etc.
Replies: 27
Views: 5961

Re: 2019 Tax Brackets Announced

kadibex1 wrote:
Fri Nov 16, 2018 4:32 pm
http://www.msn.com/en-us/money/taxes/he ... tp#image=1

They've finally upped the IRA contribution limit from $5500 to now $6000. YAY!!!
This makes the monthly math so much cleaner! :sharebeer
by woof755
Wed Oct 10, 2018 2:05 am
Forum: Investing - Theory, News & General
Topic: Difference between Vanguard New (2018) Factor Funds vs Old Factor Funds?
Replies: 4
Views: 1065

Re: Difference between Vanguard New (2018) Factor Funds vs Old Factor Funds?

Thanks for posting this. I'm confused, too. My domestic allocation is currently 65% VG small cap value index and 35% VG US Multifactor Admiral. This is a change from 65% SCV / 35% VG Total Stock Market, after I read Larry's updated Black Swan and the Factor Based investing book. Internationally, I'm...
by woof755
Sun Jul 29, 2018 1:42 pm
Forum: Personal Investments
Topic: $3k investment Vanguard funds Roth IRA which one of these should I start with
Replies: 21
Views: 2505

Re: $3k investment Vanguard funds Roth IRA which one of these should I start with

Put your $3k into the Roth IRA, then continue funding it. I'd recommend Life Strategy Growth (80/20) or moderate growth (60/40) Then leave it alone and read the Bogleheads' Guide to Investing, Larry Swedroe's The Only Guide to a Winning Bond Strategy You'll Ever Need, and The Only Guide You'll Ever ...
by woof755
Sun Jul 29, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Wood Tile Floor vs Luxury Vinyl Plank
Replies: 7
Views: 841

Re: Wood Tile Floor vs Luxury Vinyl Plank

Hi DonDraper, We have installed this ceramic / wood composite flooring https://www.inhaussurfaces.com/sono (my understanding is this is the new alternative to vinyl flooring) in our new laundry room and 2nd bathroom upstairs. We are building an "Ohana house" over our garage and have purchased this f...
by woof755
Thu Jul 26, 2018 12:28 am
Forum: Personal Consumer Issues
Topic: Pet burial
Replies: 26
Views: 2484

Re: Pet burial

I'm sorry for the loss of your family member, and I'm in no way suggesting I know better than you what to do with your pet now.

But, this eco-friendly option has intrigued us, though our pet is only 2 years old.

http://theforeverspot.com/
by woof755
Sun Jul 22, 2018 1:58 pm
Forum: Personal Investments
Topic: 529 strategy?
Replies: 17
Views: 1396

Re: 529 strategy?

The Nevada plan through Vanguard (can link Upromise funds to it) is low cost. I like it because I can access my 529s through the same VG site I use for everything else.
by woof755
Wed Jul 18, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 630
Views: 86518

Re: Flaunt Your High-Mileage Car

2011 Lexus CT200h, 72000 miles. Living where I do, hard to imagine putting more than 7-8k miles a year on it from now on.
It survived hitting a deer in N.Carolina, hopefully it survives my kids learning to drive in it in a couple years!
by woof755
Fri Jul 06, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: “We have a lot to do, and very little time, so we must work slowly.”
Replies: 21
Views: 4223

Re: “We have a lot to do, and very little time, so we must work slowly.”

"Dress me slowly, I'm in a hurry", one of my GI attendings used to say.

He attributed it to Napoleon, but a quick google search suggests it was around before Napoleon, as well.
by woof755
Mon Jun 04, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5032
Views: 1293709

Re: What Movie Have You Recently Watched?

Mystic River
Oldie, but I had never seen it before. excellent performances by Sean Penn and Tim Robbins

And Deadpool (the original)
omigoodness so funny and inappropriate!
by woof755
Wed May 23, 2018 4:47 pm
Forum: Personal Investments
Topic: How to invest $1.4 million inheritance?
Replies: 32
Views: 5257

Re: How to invest $1.4 million inheritance?

I'm sorry for your loss, It might be helpful also to know of any outstanding debts / mortgages / expenses such as college tuition that you have or foresee. But if you're asking whether you should wait or invest the money now, I'm afraid no one can tell you a right answer. Generally when these questi...
by woof755
Thu May 17, 2018 12:47 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 18259

Re: The front page is ugly

The forum is free, and the front page is fine.

(would be my vote if this were a poll)
by woof755
Thu May 17, 2018 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Golden Handcuffs
Replies: 53
Views: 10350

Re: Golden Handcuffs

My former university employer offered 8 years of college tuition for my kids. I worked there for 9 years.

We moved to Hawaii. Haven't regretted it for a second.

(of course, kids aren't in college yet... :happy )
by woof755
Sun May 13, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1644
Views: 182153

Re: Netflix, Your Current Favorite Show

Better Call Saul
by woof755
Sun May 06, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 11539

Re: What career for smartest kid in the class?

I will not fully steer my kids away from medicine. But I will steer them away from a specialty that involves night and weekend call.
It's just the worst.
by woof755
Sun Apr 15, 2018 1:05 pm
Forum: Personal Investments
Topic: Which would you choose if you were me ?
Replies: 29
Views: 3825

Re: Which would you choose if you were me ?

The main problem with high yield corporate bonds is that when that risk shows up, it shows up at the same time your equities are being hit. So, they're risky assets, and they are highly correlated with equities. Not as big a change from 100% equity as you think. I see your point. Both may well go d...
by woof755
Sat Apr 14, 2018 11:18 pm
Forum: Personal Investments
Topic: Which would you choose if you were me ?
Replies: 29
Views: 3825

Re: Which would you choose if you were me ?

The main problem with high yield corporate bonds is that when that risk shows up, it shows up at the same time your equities are being hit.
So, they're risky assets, and they are highly correlated with equities. Not as big a change from 100% equity as you think.
by woof755
Sat Apr 14, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Disneay Aulani (Hawaii) vacation planning
Replies: 14
Views: 1647

Re: Disneay Aulani (Hawaii) vacation planning

Also an Oahu resident with little ones--we love Aulani. The hotel is as expensive as the Four Seasons, but justifiably so because included in the price is basically admission to an amazing water park. There are two slides that are fun for kids and adults (fast, and dark!). The lazy river is long and...
by woof755
Sun Apr 08, 2018 11:11 pm
Forum: Personal Investments
Topic: 529 question
Replies: 4
Views: 745

Re: 529 question

I like keeping things all in one house at VG, too. But, when NC offered a tax break (which they revoked), I used the NC plan through their own website. Just one extra account, not too cumbersome. Interestingly, when they took away the state income tax deduction, I was allowed to roll the NC 529 into...
by woof755
Sun Apr 08, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about filing taxes for deceased relative
Replies: 7
Views: 764

Re: Questions about filing taxes for deceased relative

One possibly loosely related piece of advice. Please double, triple check that all addresses associated with your deceased relative are updated to reflect your DH. We moved into a house in April 2017. We are aware of the man who lived here before, and passed. In February I received a 2015 tax rebate...
by woof755
Mon Apr 02, 2018 11:49 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans
Replies: 130
Views: 17599

Re: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans

GMaynardKrebs, Couple things that came to my mind as I read your post: 1. Black Swan events are not the usual dips in the market, and it's important to consider their importance. The behavioral finance aspect of this is important--mitigating fat tails and avoiding Black Swan events will keep people ...
by woof755
Sun Apr 01, 2018 11:36 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans
Replies: 130
Views: 17599

Re: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans

I base my comments on my experience with the twin bear markets of 2000-2002 and 2008-2009. During that first bear market, owning volatile non-correlating assets really helped a portfolio. During the financial crisis of 2008-2009, most everything crashed. The Small/Value tilting that helped during 2...
by woof755
Sun Apr 01, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans
Replies: 130
Views: 17599

Re: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans

But I have a question. Can you really 'mitigate' a black swan? Personally, I don't think you can. My chief takeaway from reading Larry's detailed response was the method he is using (partly) is 'hyperdiversification' (his term). Scatter those eggs, and keep them in separate baskets. Seems reasonabl...
by woof755
Sat Mar 17, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 85
Views: 13532

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

I wonder, though, if "I don't care if I get colon cancer when I'm 70" still means the same thing to someone when she turns 70 and is otherwise healthy. I am in my early 70's and hope to live another 25-35 years - so I DO care about getting colon cancer for many years. Right?!!! When I was 10 I told...
by woof755
Sat Mar 17, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 85
Views: 13532

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

The best way to minimize the cost of this is to not get a colonopscopy. I like what the following guy says and found the Worried Sick book of interest: I don't care if I develop colon cancer in my 80s; something else is likely to kill me long before it can. I don't care if I develop colon cancer in...
by woof755
Sat Mar 17, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 85
Views: 13532

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

We're docs, we're paid to worry about the worst possible thing. :wink: There is a fine line between caring and patronizing. For example, most medical practitioners would try to avoid getting cardiopulmonary resuscitation but perform it on others. Victoria This was intended to be self-deprecating, n...
by woof755
Sat Mar 17, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 85
Views: 13532

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

One point worth mentioning is that some practices allow direct access colonoscopy -- i.e. you can have the screening colonoscopy without a previous Gastroenterologist visit. Even a referral from your regular primary doctor may not be needed if you meet the screening colonoscopy criteria. This saves...
by woof755
Sun Mar 11, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 85
Views: 13532

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

Without getting too deep into the forbidden medical topics - Are there differences in costs for different physicians that do colonoscopies? All of mine, as well as those of everyone I know in this area, have been done by Gastroenterologists. My brother, however, who still lives in the area where I ...
by woof755
Sun Mar 11, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 85
Views: 13532

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

One point worth mentioning is that some practices allow direct access colonoscopy -- i.e. you can have the screening colonoscopy without a previous Gastroenterologist visit. Even a referral from your regular primary doctor may not be needed if you meet the screening colonoscopy criteria. This saves...
by woof755
Sun Mar 11, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 85
Views: 13532

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

In our health plan/provider (Kaiser), they will not begin the procedure (administer sedation/anesthesia) unless the person driving/accompanying you home is physically present. That is also my experience with my hospital. When I check in, I'm asked who is with me. No person - no procedure. A doctor ...
by woof755
Sun Mar 11, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 85
Views: 13532

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

There are 2 issues here which have been partly resolved. 1. Sedation: I have never chosen to do these without anesthesia but it is an option to just have some gentle sedation and it is done all the time. 2. Prison: they can have any rule they want. You are a free person and can simply say that you ...
by woof755
Sun Mar 11, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 85
Views: 13532

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

stats99 wrote:
Sun Mar 04, 2018 6:44 am
I used Cologuard.
The best colon cancer screening test is the one that gets done!

:beer
by woof755
Sat Mar 03, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 85
Views: 13532

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

Things I can think of to minimize costs of a colonoscopy: Take the cheapest prep--CoLyte or GoLytely are often only about $10 And take it by the book. It works great if taken properly. But it really makes us all feel bad when the colon isn't clean and we have to repeat the exam sooner than would oth...
by woof755
Sat Mar 03, 2018 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 85
Views: 13532

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

There are 2 issues here which have been partly resolved. 1. Sedation: I have never chosen to do these without anesthesia but it is an option to just have some gentle sedation and it is done all the time. 2. Prison: they can have any rule they want. You are a free person and can simply say that you ...
by woof755
Sun Feb 25, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle: Hourly financial planning
Replies: 44
Views: 6236

Re: Side Hustle: Hourly financial planning

steadyeddy wrote:
Sun Feb 25, 2018 10:49 pm
I’ve thought about this, but a part-time gig charging only reasonable hourly rates would barely cover the cost of E&O. I’ve decided it’s better to give away my advice for free to the very few people that solicit it.
I like this idea, too.
by woof755
Sun Feb 25, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle: Hourly financial planning
Replies: 44
Views: 6236

Re: Side Hustle: Hourly financial planning

Don't you need like years of apprenticeship to get a CFP? 2 years under a CFP or else 3 years. At the end of the day, CFP is just a commercial endeavor making money selling a certificate so your name looks better with letters after it. in competing with people who have gone through the hassle, if y...
by woof755
Sun Feb 25, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle: Hourly financial planning
Replies: 44
Views: 6236

Re: Side Hustle: Hourly financial planning

I've thought about doing this, too. Maybe when the kids are in college. So, I'm not one to poke holes in your theory. I'd like to get the education, then start giving talks to my own colleagues for free. Could even give some talks to local groups and pick up clients that way. I guess I could make mo...
by woof755
Sun Feb 25, 2018 1:46 pm
Forum: Personal Investments
Topic: TIPS vs Bonds again!
Replies: 13
Views: 4602

Re: TIPS vs Bonds again!

Bonds are not in my portfolio for their return, they are there to reduce my overall risk. short term bond mutual fund fluctuations are minimal in the long run. I do not see a reason to take the risk of owning long term bonds. Take your risk on the equity side where you expect to be rewarded, keep bo...
by woof755
Fri Feb 23, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: OTC supplements without huge bottles?
Replies: 10
Views: 1022

Re: OTC supplements without huge bottles?

Most of these -- and probably all -- are of no value unless you have a documented deficiency. You can bring an empty suitcase. True. In most cases in real controlled setting expirements they fail to do anything and also unlike medicines they are largely unregulated and untested and quite often you ...