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- Sun Dec 06, 2020 3:40 pm
- Forum: Investing - Theory, News & General
- Topic: What are you up YTD? [Year To Date]
- Replies: 3405
- Views: 571798
- Mon Nov 09, 2020 11:41 pm
- Forum: Personal Consumer Issues
- Topic: Premium Products That Are Worth It To You
- Replies: 368
- Views: 60931
Re: Premium Products That Are Worth It To You
Super late to this, but: Lulu Lemon men's clothing--exercise shirts and shorts, but especially their pants. They look like dress slacks but are super comfortable. I'm still cheap, and only shop from the clearance rack and "We Made Too Much" on their site. I forgot, their briefs are great, ...
- Fri Aug 14, 2020 1:07 am
- Forum: Personal Investments
- Topic: Best financial gift to give a newborn child
- Replies: 47
- Views: 4690
Re: Best financial gift to give a newborn child
I think it depends on what you mean by a financial "headstart". Tax deferred accounts would be helpful to them at retirement, but that's a really long time. Putting money into a tax-efficient ETF in a taxable account, as mentioned above, will allow them to use the money a little sooner, li...
- Tue Jun 09, 2020 1:49 am
- Forum: Investing - Theory, News & General
- Topic: How to deal with single stock friends
- Replies: 41
- Views: 3506
Re: How to deal with single stock friends
I have a couple of friends who prefer to buy individual stocks. One of them bought Oasis Petroleum (OAS) at the Covid-19 low, and it just jumped by 121% in a day. The other is buying Draftkings (DKNG) and Penn National Gaming (PENN.) He says they are up big for him, and sports haven’t even resumed ...
- Thu Mar 26, 2020 10:32 pm
- Forum: Investing - Theory, News & General
- Topic: Any other investors with 70/30 portfolio?
- Replies: 110
- Views: 21255
Re: Any other investors with 70/30 portfolio?
I've been 60/40 for about 8 years. At age 37-45 over that time (45 now), I could have done better had I been 70/30. What I have found is that as life got busier, moving half way across the world, wife taking a full time job from not working, kids getting into the teen years more involved in activiti...
- Sun Jan 05, 2020 2:41 pm
- Forum: Investing - Theory, News & General
- Topic: Jason Hsu and William Bernstein Like Overbalancing
- Replies: 63
- Views: 12184
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.
- Fri Dec 27, 2019 3:42 pm
- Forum: Investing - Theory, News & General
- Topic: [Why did my fund suddenly drop in value?]
- Replies: 252
- Views: 286191
Re: [Why did my fund suddenly drop in value?]
Thanks for the clarification!
- 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: 10488
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...
- 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: 867
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.
- Fri Dec 27, 2019 2:16 pm
- Forum: Investing - Theory, News & General
- Topic: [Why did my fund suddenly drop in value?]
- Replies: 252
- Views: 286191
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.
- Mon Dec 23, 2019 3:41 am
- Forum: Investing - Theory, News & General
- Topic: Best Finance Twitter Accounts?
- Replies: 5
- Views: 659
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
@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
- Tue Dec 17, 2019 12:37 am
- Forum: Personal Investments
- Topic: Converting mutual funds to index funds efficiently
- Replies: 9
- Views: 715
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...
- Sun Jul 07, 2019 8:26 pm
- Forum: Personal Investments
- Topic: Theory: NOW is the Best Time for Total World Stock
- Replies: 159
- Views: 25361
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. ...
- Sun Jul 07, 2019 8:06 pm
- Forum: Personal Consumer Issues
- Topic: [What TV Show Have You Recently Watched?]
- Replies: 2522
- Views: 256156
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...
- Thu May 09, 2019 1:12 am
- Forum: Personal Consumer Issues
- Topic: French Door Refrigerator Recommendations?
- Replies: 65
- Views: 6249
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 ...
- Thu Jan 17, 2019 12:00 am
- Forum: Investing - Theory, News & General
- Topic: John Bogle has died at age 89
- Replies: 856
- Views: 62831
- Fri Nov 16, 2018 8:20 pm
- Forum: Personal Finance (Not Investing)
- Topic: IRS announces 2019 Tax Rates, Standard Deduction, etc.
- Replies: 27
- Views: 6066
Re: 2019 Tax Brackets Announced
This makes the monthly math so much cleaner!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!!!

- 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: 1150
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...
- Tue Jul 31, 2018 12:16 am
- Forum: Personal Consumer Issues
- Topic: Tips for staying active / injury-free into older age
- Replies: 162
- Views: 16458
Re: Tips for staying active / injury-free into older age
Stay thin.
At all cost.
At all cost.
- 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: 2614
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 ...
- Sun Jul 29, 2018 1:26 pm
- Forum: Personal Consumer Issues
- Topic: Wood Tile Floor vs Luxury Vinyl Plank
- Replies: 7
- Views: 897
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 purcha...
- Thu Jul 26, 2018 12:28 am
- Forum: Personal Consumer Issues
- Topic: Pet burial
- Replies: 26
- Views: 2531
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/
But, this eco-friendly option has intrigued us, though our pet is only 2 years old.
http://theforeverspot.com/
- Sun Jul 22, 2018 1:58 pm
- Forum: Personal Investments
- Topic: 529 strategy?
- Replies: 17
- Views: 1526
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.
- Wed Jul 18, 2018 5:13 pm
- Forum: Personal Consumer Issues
- Topic: Flaunt Your High-Mileage Car
- Replies: 661
- Views: 94102
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!
It survived hitting a deer in N.Carolina, hopefully it survives my kids learning to drive in it in a couple years!
- 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: 4291
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.
He attributed it to Napoleon, but a quick google search suggests it was around before Napoleon, as well.
- Mon Jun 04, 2018 10:48 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 6250
- Views: 1422980
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!
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!
- Wed May 23, 2018 4:47 pm
- Forum: Personal Investments
- Topic: How to invest $1.4 million inheritance?
- Replies: 32
- Views: 5461
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...
- Thu May 17, 2018 12:47 am
- Forum: Forum Issues and Administration
- Topic: The front page is ugly
- Replies: 140
- Views: 19627
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)
(would be my vote if this were a poll)
- Thu May 17, 2018 12:41 am
- Forum: Personal Finance (Not Investing)
- Topic: Golden Handcuffs
- Replies: 53
- Views: 10619
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...
)
We moved to Hawaii. Haven't regretted it for a second.
(of course, kids aren't in college yet...

- Sun May 13, 2018 2:16 pm
- Forum: Personal Consumer Issues
- Topic: [What TV Show Have You Recently Watched?]
- Replies: 2522
- Views: 256156
Re: Netflix, Your Current Favorite Show
Better Call Saul
- Sun May 06, 2018 8:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: What career for smartest kid in the class?
- Replies: 132
- Views: 11902
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.
It's just the worst.
- Sun Apr 15, 2018 1:05 pm
- Forum: Personal Investments
- Topic: Which would you choose if you were me ?
- Replies: 29
- Views: 3983
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...
- Sat Apr 14, 2018 11:18 pm
- Forum: Personal Investments
- Topic: Which would you choose if you were me ?
- Replies: 29
- Views: 3983
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.
So, they're risky assets, and they are highly correlated with equities. Not as big a change from 100% equity as you think.
- Sat Apr 14, 2018 1:26 pm
- Forum: Personal Consumer Issues
- Topic: Disneay Aulani (Hawaii) vacation planning
- Replies: 14
- Views: 1731
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...
- Sun Apr 08, 2018 11:11 pm
- Forum: Personal Investments
- Topic: 529 question
- Replies: 4
- Views: 793
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...
- Sun Apr 08, 2018 10:59 pm
- Forum: Personal Finance (Not Investing)
- Topic: Questions about filing taxes for deceased relative
- Replies: 7
- Views: 799
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...
- 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: 18115
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 ...
- 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: 18115
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...
- 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: 18115
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...
- Sat Mar 17, 2018 4:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
- Replies: 85
- Views: 14394
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...
- Sat Mar 17, 2018 2:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
- Replies: 85
- Views: 14394
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...
- Sat Mar 17, 2018 1:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
- Replies: 85
- Views: 14394
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...
- Sat Mar 17, 2018 1:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
- Replies: 85
- Views: 14394
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...
- Sun Mar 11, 2018 3:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
- Replies: 85
- Views: 14394
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 ...
- Sun Mar 11, 2018 3:22 pm
- Forum: Personal Finance (Not Investing)
- Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
- Replies: 85
- Views: 14394
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...
- Sun Mar 11, 2018 3:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
- Replies: 85
- Views: 14394
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 ...
- Sun Mar 11, 2018 3:14 pm
- Forum: Personal Finance (Not Investing)
- Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
- Replies: 85
- Views: 14394
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 ...
- Sun Mar 11, 2018 3:08 pm
- Forum: Personal Finance (Not Investing)
- Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
- Replies: 85
- Views: 14394
- Sat Mar 03, 2018 11:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
- Replies: 85
- Views: 14394
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...
- Sat Mar 03, 2018 10:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
- Replies: 85
- Views: 14394
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 ...