Search found 3053 matches

by woof755
Sat Oct 14, 2017 11:52 pm
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 50
Views: 2984

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

Kauai: Captain Andy's catamaran to the Na Pali coast was one of the most relaxing and beautiful excursions we have ever done. We also did a fun kayak adventure to the Wailua waterfall. Nice and long, good exercise, minimal current. We live on Oahu: Depends on what you like. the North Shore is less t...
by woof755
Tue Sep 26, 2017 1:00 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8324

Re: Where do you get your news?

www.vox.com

individual WaPo and NYT reporters on twitter.

Podcasts such as 538 politics
Pod Save America
The Gist
and especially the Daily with Michael Barbaro.
by woof755
Fri Aug 18, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 9525

Re: Non-fiction bucket list

Erik Larson's In The Garden of Beasts (1930s Nazi Germany from the perspective of the US ambassador to Germany), or Devil in the White City (serial killer at the World's Fair in Chicago)
by woof755
Fri Jun 16, 2017 11:37 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 12086

Re: Amazon Buys Whole Foods

Saw this on twitter:

Bezos: Alexa, buy me something from Whole Foods.

Alexa: Buying Whole Foods.

Bezos: [(removed) --admin LadyGeek]
by woof755
Sun Oct 30, 2016 10:56 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 8194

Re: What podcasts do you listen to?

Oh, yeah. I totally second the recommendation for "More Perfect" by the guys from RadioLab. Educational, eye-opening pod about the history of the Supreme Court.
by woof755
Wed Oct 26, 2016 11:23 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 8194

Re: What podcasts do you listen to?

Financially speaking, you can't do better than The Room Where it's Happening--a podcast about Hamilton the Musical--finance and Independence, perfect! I also like Paul Merriman. And you can listen to him at 1.5x and he comes through clearly. NPR Planet Money My GoTo pods: Election stuff: 538 Keeping...
by woof755
Wed Sep 14, 2016 12:42 pm
Forum: Investing - Theory, News & General
Topic: Presidential Election Insurance, Use T-Bills?
Replies: 65
Views: 5457

Re: Presidential Election Insurance, Use T-Bills?

IMO, this is clearly market timing based on speculation. And it's a stretch to say that 75% of the population will be disappointed with the outcome. Voter turnout typically ranges from 55-60%. So 40-45% of the people don't even care enough about who the president is to even bother voting! And of th...
by woof755
Wed Sep 14, 2016 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Is A Two-Fund Portfolio All You Really Need?
Replies: 44
Views: 7292

Re: Is A Two-Fund Portfolio All You Really Need?

As long as you are keeping costs low in your choices, what really matters is being in the market in the first place (and not in a savings account), and how much you are able to invest. If I weren't such a Swedroe 4 factor geek, I'd be in TSM and Total Bond (and probably Total International, because ...
by woof755
Wed Sep 14, 2016 12:24 am
Forum: Investing - Theory, News & General
Topic: Presidential Election Insurance, Use T-Bills?
Replies: 65
Views: 5457

Re: Presidential Election Insurance, Use T-Bills?

I'm sorry. I respect you so much, Doc, but I don't follow you here. Highlight this year's democratic candidate, hit delete, and insert the candidate in 2008 and you have the same question a hundred million people (ok I exaggerate) asked in 2008. Huh. Turns out 8 years later Wall Street loves them so...
by woof755
Sat Sep 10, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 5458

Re: map frustration

Try Waze on a friend's smartphone for a trip and then see if you still have this hard stance against not owning a smartphone. Waze is great. Diverted us in real-time around accidents and major traffic jams on numerous occasions. No need to get swept up in the points games-iness of it. It's just a r...
by woof755
Tue Sep 06, 2016 8:35 pm
Forum: Investing - Theory, News & General
Topic: My take on the passive investing is worse than Marxism
Replies: 25
Views: 5275

Re: My take on the passive investing is worse than Marxism

Nisiprius According to Wikipedia (m), his senior thesis was entitled “The Economic Role of the Investment Company.” On the other hand… According to Wikipedia (m), his senior thesis was titled “Mutual Funds Can Make No Claims to Superiority over the Market Averages." Who am I to argue with Wiki...
by woof755
Tue Sep 06, 2016 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 55
Views: 7685

Re: Vanguard Core Bond Fund

The difference is, when it hits the fan, Total Bond has outperformed everything else do to the amount if Treasury bonds in the fund. This was vital during the financial crisis. If stability is that vital, what's the rationale for not going all the way to 100% Treasury bonds using VG Intermediate Te...
by woof755
Tue Sep 06, 2016 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical Fees for Financial Advice
Replies: 20
Views: 2938

Re: Ethical Fees for Financial Advice

I am not a financial adviser, but always wondered if a good marketing technique and a way to make more than a few hundred bucks for a plan (knowing that setting up a plan one time might be enough for some investors--because Bogleheads tend to keep plans pretty simple)... ...would maybe be to charge ...
by woof755
Mon Sep 05, 2016 12:46 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 68350

Re: TIPS - Did you give up?

Doc wrote:
HMS? Are we fund holders going to be taxed by the EU?


"Why should a tiny island across the sea regulate the price of tea?"

8-)
by woof755
Mon Sep 05, 2016 12:39 am
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 4845

Re: Favorite Vegan Products

If I was vegan, my aim would be to find foods with good protein. They also produce vegan protein powder one could use to supplement the diet. https://www.progressivenutritional.com/products/harmonized-vegan-protein/ has been part of my weekday morning smoothie for a long time. It's not difficult to...
by woof755
Mon Sep 05, 2016 12:34 am
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 4845

Re: Favorite Vegan Products

My wife and I were blown away by this Ezra Klein interview with Bruce Friedrich: http://www.vox.com/2016/4/28/11503266/bruce-friedrich-ezra-klein and also this interview with Patrick Brown from Impossible Foods (sorry, the link isn't directly to the intervie--podcast--but it's in the article) http:/...
by woof755
Mon Sep 05, 2016 12:03 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 68350

Re: TIPS - Did you give up?

Yes, but that's an individual TIP. Your question I replied to was about a TIPS fund vs international bond fund. I'm sorry, you're right - I was just beginning to edit my post having thought more about this. Buying a TIPS fund kinda makes my head spin. I believe you lose some precision, some control...
by woof755
Sat Sep 03, 2016 2:20 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 68350

Re: TIPS - Did you give up?

TIPS for me
I really don't see the benefit of international bonds.
I want my bonds for safety / reduced portfolio volatility, not worldwide diversification
by woof755
Fri Sep 02, 2016 12:58 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 32125

Re: Vanguard Customer Service

I'm not concerned with my choice of Vanguard for what I really really need it to provide--excellent low cost investment options. No, they aren't going to mess up a conversion. I only feel frustration that I am transferring a large amount of funds. I'm no more important than the little guy, but keepi...
by woof755
Fri Sep 02, 2016 12:24 am
Forum: Personal Consumer Issues
Topic: Medical billing question re routine screening
Replies: 11
Views: 1349

Re: Medical billing question re routine screening

I agree with these suggestions. Colonoscopy infrequently identifies the cause of abd pain that is not associated with other more worrisome symptoms. I would plan on having a screening colonoscopy, with my GI doc knowing that there is a discomfort that has been noted that he or she can keep in back o...
by woof755
Fri Sep 02, 2016 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 32125

Re: Vanguard Customer Service

I am in the process of transferring over $550k from a Fidelity 401k to a rollover brokerage IRA, as well as $160k internally from a 403b held at VG to either a rollover IRA or the same brokerage IRA (I got two different answers about whether it would be possible to roll it directly into the brokerag...
by woof755
Tue Aug 30, 2016 8:35 pm
Forum: Investing - Theory, News & General
Topic: The Vanguard Effect
Replies: 7
Views: 1694

Re: The Vanguard Effect

Author of the article said Jack was in line to receive the Pres Medal of Freedom (via twitter exchange with me). I don't see this on a google search or a search of the topics on the board.

I can't find the petition anymore, so that could be a good sign. Anyone know of an update?
by woof755
Sun Aug 28, 2016 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Tax gain harvesting for kids' UTMA accts
Replies: 17
Views: 1552

Re: Tax gain harvesting for kids' UTMA accts

we sold our home at a $21k capital loss (after 7 years of ownership). Will that help offset having to report these gains?
by woof755
Sun Aug 28, 2016 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Tax gain harvesting for kids' UTMA accts
Replies: 17
Views: 1552

Re: Tax gain harvesting for kids' UTMA accts

Ugh.
Lesson learned. I looked up cap gains tax rates for each tax bracket but didn't go far enough. If the market goes down I'll try to whittle away at it.
Thx for the heads up.
Community bank stock stays put!
by woof755
Sun Aug 28, 2016 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Tax gain harvesting for kids' UTMA accts
Replies: 17
Views: 1552

Tax gain harvesting for kids' UTMA accts

I have been contributing to UTMA accounts for the past ~10 years. I chose VO (VG mid-cap index) to be like Mel or be different or whatever. They were in the market, so it's all good. This month I exchanged the VO in both accounts to VOE (VG mid-cap value). This triggered over $11k in long term capit...
by woof755
Sat Aug 27, 2016 10:53 pm
Forum: Personal Consumer Issues
Topic: Hawaii anniversary trip suggestions
Replies: 33
Views: 3497

Re: Hawaii anniversary trip suggestions

Though expensive, I should add that Kahala resort is in a real sweet spot on Oahu. Right by Diamondhead, located on the ocean, just a few minutes from Waikiki but you would never, ever, ever guess it (it's tucked in a pricey residential neighborhood and Diamondhead crater is between it and Waikiki)....
by woof755
Sat Aug 27, 2016 10:43 pm
Forum: Personal Consumer Issues
Topic: Hawaii anniversary trip suggestions
Replies: 33
Views: 3497

Re: Hawaii anniversary trip suggestions

Just moved here in June, so we're newbies. But we have visited 6 times. Have been to Big Island, Oahu obviously, Kauai and Maui. When friends say they are coming to the islands and want to visit one location, I usually think of Maui. We stayed in a villa associated with Grand Wailea. Maui is basical...
by woof755
Sat Aug 27, 2016 9:57 pm
Forum: Investing - Theory, News & General
Topic: Factors for Portfolio - "Investment"
Replies: 5
Views: 1052

Re: Factors for Portfolio - "Investment"

trope glad you enjoyed the book The idea of the investment factor is actually pretty simple, firms with high investment underperform those with low investments. Note the worst performing stocks are small cap growth with high investment and low profitability. Those are the "black hole" of ...
by woof755
Sat Aug 27, 2016 9:37 pm
Forum: Investing - Theory, News & General
Topic: John Oliver covers retail investment industry on Last Week Tonight
Replies: 114
Views: 18295

Re: John Oliver covers retail investment industry on Last Week Tonight

I'm not sure this is the kind of "choir" who watches John Oliver. His show/audience I guess would be considered on the left/liberal and probably younger end of the spectrum. But I don't think such an audience is any more financially literate than any other group. I feel like I am in the t...
by woof755
Sat Aug 27, 2016 12:29 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 68350

Re: TIPS - Did you give up?

Let's look at the true current cost of the TIPS "insurance." Total Bond Market sec yield = 1.88% (5.5 year duration) Five year treasury note = 1.23% yield Five year TIPS = -.08% yield If we can accept the premise that the market is thus forecasting 1.31% inflation, the expected real retur...
by woof755
Fri Aug 26, 2016 7:09 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 68350

Re: TIPS - Did you give up?

I think of a TIPS ladder (bought at auction, held to maturity) as the ultimate annuity. Zero expenses. Zero default risk. 100% inflation protected. 100% certainty of future buying power (both amount and timing). 100% transparency. 100% control. 100% flexibility to cash out at any time without penal...
by woof755
Fri Aug 26, 2016 2:07 am
Forum: Investing - Help with Personal Investments
Topic: Fisher Investment
Replies: 31
Views: 6104

Re: Fisher Investment

Relative of mine was recently engaged by them, I'm not sure how the connection was made. The initial pitch was basically stock picking to beat the market. Yawn. He was told 1.25% first million, 1.125% thereafter. owwweeeee. I mean maybe if the service included estate planning, but even then, so pric...
by woof755
Fri Aug 26, 2016 1:51 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard discouraging investing with Prime MM
Replies: 12
Views: 3220

Re: Vanguard discouraging investing with Prime MM

What is this obsession that people have with Prime MM? I fully intend on having all my cash in a linked 1% savings account which is far better than either Prime MM or Federal MM. And even then, if you are above $250k and want to have your money in Prime MM, by all means you can keep it there. But w...
by woof755
Thu Aug 25, 2016 9:38 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 882026

Re: What Movie Have You Recently Watched?

I liked it for what it was. I take a liking to boxing movies for some reason. I thought some of the themes were served with a spoon bigger than I needed to understand them, but other than being noticeable, it wasn't a distraction. I won't watch it again, but I'm definitely glad I took the two hours ...
by woof755
Thu Aug 25, 2016 2:21 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 68350

Re: TIPS - Did you give up?

How great is the risk of unexpected inflation today? I believe for the most part we are not hitting the Feds target rates correct? It feels like there are many inflation watchers and Hawks that I am not sure the risk is the same as the 70s and early 80s. Over time a large allocation to TIPS could h...
by woof755
Wed Aug 24, 2016 8:39 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 68350

Re: TIPS - Did you give up?

I hate that negative sign as much as the next guy. That said, the only real difference between the 5 year TIPS and all other low risk FI investments with that duration, is that the negative sign is right in front of us rather than hidden in the nominal return to real-expected-return translation. Wh...
by woof755
Wed Aug 24, 2016 8:36 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 68350

Re: TIPS - Did you give up?

No argument here. The point is short term inflation risk is small. Long term inflation risk is large. Negative rates are only on short term TIPS <7 years. Thus, don't buy short term TIPS with negative rates. Your hedging against the wrong risk. The real risk is long term inflation being above expec...
by woof755
Wed Aug 24, 2016 1:38 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 68350

Re: TIPS - Did you give up?

I've heard that TIPS don't work very well when inflation rates are below 2% (I don't remember WHICH inflation rates), and am worried that we are about to be dragged into Japanese-style deflation for long time. I am sort of timing the market, but inflation/deflation cycles are slow enough that you g...
by woof755
Tue Aug 23, 2016 5:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Value ETF or iShares Core Value ETF?
Replies: 8
Views: 1323

Re: Vanguard Value ETF or iShares Core Value ETF?

Interesting. Thx for that heads up!
by woof755
Tue Aug 23, 2016 12:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Value ETF or iShares Core Value ETF?
Replies: 8
Views: 1323

Re: Vanguard Value ETF or iShares Core Value ETF?

I just became aware today that VG has 3 large cap value ETFs (and a mega cap value ETF) VTV is the Vanguard Value Index etf that I knew about VOOV is a Vanguard SP500 Value Index etf, and VONV is a Russell 1000 Value Index etf VTV has way more assets under management than the other two (15x the othe...
by woof755
Mon Aug 22, 2016 12:37 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 68350

Re: TIPS - Did you give up?

What about your current portfolio? (just curious)
by woof755
Sun Aug 21, 2016 8:36 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 68350

Re: TIPS - Did you give up?

Reading through this thread, some takeaways include: 1. Many investors don't understand TIPS, leading to moving into and out of the funds for reasons that have nothing to do with the purpose of TIPS in the first place. 2. I don't fully understand TIPS, either. 3. It's not understanding investments t...
by woof755
Fri Aug 19, 2016 9:02 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD
Replies: 69
Views: 6401

Re: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD

I'd contact the hospital risk management folks. Most also have a Patient Advocacy Office or an Ombudsman -- this is a little less adversarial than contacting Risk Management (which will likely reflex to hospital attorneys, etc.) but they will have anyone's ear in terms of getting things fixed. I th...
by woof755
Fri Aug 19, 2016 5:25 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 99
Views: 10531

Re: Improving the Bogleheads forum

The polls are fun, but samples so unscientific hard to see what they can demonstrate. Well, this isn't about demonstrating (as in 'rigorous proof') anything. This is about gathering information on a useful topic in a synthetic format, and also about enticing 'silent' people to express themselves. H...
by woof755
Fri Aug 19, 2016 4:15 am
Forum: Investing - Theory, News & General
Topic: John Bogle says it is ok to just hold US stock index and Bond index, no international stocks
Replies: 45
Views: 6271

Re: John Bogle says it is ok to just hold US stock index and Bond index, no international stocks

Reasoning by Authority is always suspect. What I do know is that the data shows diversification gains from Americans holding foreign stocks. However for other developed markets, the gains are not large. Emerging Markets is a bit different. The ideal would be an international small cap value fund, w...
by woof755
Fri Aug 19, 2016 4:04 am
Forum: Personal Finance (Not Investing)
Topic: What is the best way to send the direct rollover check to Vanguard?
Replies: 35
Views: 4878

Re: What is the best way to send the direct rollover check to Vanguard?

I'm in the process of rolling over my workplace 401k as well. I'm also receiving a paper check (so dumb), which is being mailed to me in Honolulu so I can turn it around back to VG. I am curious if there is a consensus on whether I should indicate the fund to which the money should be invested? I'm ...
by woof755
Fri Aug 19, 2016 3:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Bond Index Funds, how many shall I use for good diversification?
Replies: 14
Views: 2158

Re: Vanguard Bond Index Funds, how many shall I use for good diversification?

Hi Med4, I found bonds and bond funds similarly confounding. Then I read Larry Swedroe's book on bonds https://www.amazon.com/Only-Guide-Winning-Strategy-Youll/dp/0312353634 The upshot I took, keep bonds short and safe and take your risk on the equity side, where it is expected to be rewarded with r...
by woof755
Fri Aug 19, 2016 2:38 am
Forum: Personal Finance (Not Investing)
Topic: 31 year old - career change
Replies: 2
Views: 853

Re: 31 year old - career change

Search CFP in the search bar. Several good threads that should give you something to chew on while you await others' responses. I have often thought of doing this on the side, too, or as a retirement occupation to keep me busy and feel like I'm continuing to help people. I don't think it's easy to m...
by woof755
Fri Aug 19, 2016 2:30 am
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 99
Views: 10531

Re: Improving the Bogleheads forum

I've said this before but think the polls are interesting. If there was a poll for this, I would vote for it. Indeed. Losing the ability to initiate polls was a very poor decision, with no solid justification. Aside from that, the forum is great as is. The polls are fun, but samples so unscientific...