Search found 49 matches

by JArthur
Mon Jun 24, 2013 4:56 pm
Forum: Personal Consumer Issues
Topic: digital camera buying advice
Replies: 36
Views: 5500

Re: digital camera buying advice

I second the D5100 as a great all around camera as I've been using one for over a year. If you want to use just one lens all of the time then don't bother with the kit lens, but rather I recommend this Sigma lens for a nearly perfect "walk about" lens which will do for 90%+ of everything you will wa...
by JArthur
Thu May 16, 2013 11:24 am
Forum: Investing - Theory, News & General
Topic: NYT: US could learn from other countries' retirement systems
Replies: 4
Views: 906

Re: NYT: US could learn from other countries' retirement sys

With some variations the models from around the world touted in this article are comprised of top down federal management with required contributions into government selected investments.
by JArthur
Mon Mar 18, 2013 8:30 am
Forum: Investing - Theory, News & General
Topic: unexpected danger to bank accounts ...
Replies: 27
Views: 3267

Re: unexpected danger to bank accounts ...

FDIC or NCUA could not have protected you from this confiscation if it had taken place in the US as they do not reimburse depositors from government "taxes". It's possible they could protect you from the subsequent bank runs, but it's likely that there would be capital controls limiting withdrawals.
by JArthur
Wed Feb 27, 2013 2:41 pm
Forum: Investing - Theory, News & General
Topic: Does active investing ever make sense?
Replies: 30
Views: 2361

Re: Does active investing ever make sense?

Yes, but not for me. I personally like risk takers, gamblers, and people who try to defy the investment odds so long as they use their money and realize they will likely trail an index.
by JArthur
Mon Feb 04, 2013 11:34 am
Forum: Investing - Theory, News & General
Topic: Will Bill Gross be wrong three times in a row?
Replies: 39
Views: 4332

Re: Will Bill Gross be wrong three times in a row?

It's not just the finance gurus, but the central banks as well. http://www.abc.net.au/news/2013-02-04/economic-forecasts-no-better-than-a-random-walk/4499098 That paper found that 70 per cent of the RBA's forecasts for underlying inflation for the year ahead were close to the mark, but its predictio...
by JArthur
Thu Jan 24, 2013 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do for 2012 Credit Card Rewards?
Replies: 53
Views: 24337

Re: How did you do for 2012 Credit Card Rewards?

Discover Open Road = $259.94
by JArthur
Fri Jan 11, 2013 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: opinions about small cap funds
Replies: 4
Views: 494

Re: opinions about small cap funds

In the Total Stock Market Index Fund you already have small cap exposure, but if you want to increase your exposure then the small cap index fund is a good way to go. Why do you like the fund over others? Another to look at is the Vanguard Extended Market fund as it has small and medium caps if you ...
by JArthur
Thu Jan 10, 2013 4:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total US + Int vs. Total World
Replies: 7
Views: 1118

Re: Vanguard Total US + Int vs. Total World

I'll do a little more work for a little higher return any day. How could I determine how to weigh it? From the Vanguard site: http://portfolios.morningstar.com/fund/summary?t=VT®ion=USA&culture=en-us Or from Morningstar: http://portfolios.morningstar.com/fund/summary?t=VT®ion=USA&culture=en-u...
by JArthur
Thu Jan 10, 2013 3:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total US + Int vs. Total World
Replies: 7
Views: 1118

Re: Vanguard Total US + Int vs. Total World

Lower costs as wesleymouch pointed out, but it means a little more work for you if you want to keep the international/domestic weight about the same. I believe you are making a good decision to invest internationally. Here’s a link to a good research paper on why it pays off in the long term. http:/...
by JArthur
Wed Jan 09, 2013 6:02 pm
Forum: Investing - Theory, News & General
Topic: What is your current Asset Allocation Policy and why?
Replies: 83
Views: 12755

Re: What is your current Asset Allocation Policy and why?

Age: 38 50% Equities 40% Bonds 10% REIT (Technically Equity) Equities: 60% Total International 40% US --60% Large --20% Mid --20% Small Bonds 50% Total Bond market or Intermediate Bond Fund (Depending on account) 50% TIPS or PIMCO Total Return (Depending on account) REIT 100% US REIT Using my age mi...
by JArthur
Wed Jan 09, 2013 5:04 pm
Forum: Personal Consumer Issues
Topic: Newspaper 7 days a week to 3 days a week.
Replies: 40
Views: 3172

Re: Newspaper 7 days a week to 3 days a week.

Sure, a few major outlets could give you the big stories, but a lot of the local content is difficult to duplicate. For sports the beat-writer still eclipses ESPN and nobody gives you a decent local look. I agree on both accounts. Local sports beat writers are especially superior. I think newspaper...
by JArthur
Wed Jan 09, 2013 9:54 am
Forum: Personal Consumer Issues
Topic: Newspaper 7 days a week to 3 days a week.
Replies: 40
Views: 3172

Re: Newspaper 7 days a week to 3 days a week.

I worked at a major metropolitan newspaper from 1994-2007 and I can say that the newspaper industry saw what was coming, tried to establish an online presence, and fought against the demographic decline (newspapers like the evening news are predominantly consumed by aging Caucasian males). I saw the...
by JArthur
Mon Jan 07, 2013 10:58 am
Forum: Personal Finance (Not Investing)
Topic: What creative ways have you found to reduce monthly bills?
Replies: 66
Views: 5016

Re: What creative ways have you found to reduce monthly bill

At least in Texas you can request the most basic POTS possible which has no caller ID, no long distance, 25 free outgoing calls per month but unlimited incoming, etc., for I think <$20 a month with all taxes. If you are like us and use your mobile for most everything but need a home phone still then...
by JArthur
Fri Jan 04, 2013 3:46 pm
Forum: Investing - Theory, News & General
Topic: International and US equity correlation and fees
Replies: 8
Views: 767

Re: International and US equity correlation and fees

(5) correlations change over time.
You make a good point here. I'll keep things as is. Thanks.
by JArthur
Fri Jan 04, 2013 3:22 pm
Forum: Investing - Theory, News & General
Topic: International and US equity correlation and fees
Replies: 8
Views: 767

Re: International and US equity correlation and fees

The way you talk about emerging markets 'increasing risk' as if it were a bad thing (i.e. as if that risk has no expected reward) suggests to me you are trying to argue for a conclusion you have already come to - namely, that you are nervous about ex-US investing for emotional reasons, and trying t...
by JArthur
Fri Jan 04, 2013 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Penny Stock
Replies: 19
Views: 1025

Re: Penny Stock

If there isn't a convenient slot machine around and you feel like gambling go ahead. You will lose money in a slot machine with a lot less work though if you research your penny stocks.
by JArthur
Fri Jan 04, 2013 3:03 pm
Forum: Investing - Theory, News & General
Topic: International and US equity correlation and fees
Replies: 8
Views: 767

International and US equity correlation and fees

As the correlation approaches 1 I wonder if the small premium in fees makes it worth it. http://www.economist.com/node/21528640 Example: VTIAX has an expense ratio of .18% vs. VTSAX at .06%. Assuming 8% return over 30 years VTSAX would have $1,796 in fees http://money.msn.com/mutual-fund/investment-...
by JArthur
Fri Dec 28, 2012 9:38 am
Forum: Personal Consumer Issues
Topic: Need Bourbon Advice
Replies: 45
Views: 7387

Re: Need Bourbon Advice

I second the notion of Wild Turkey 101 on ice. I suggest a single shot, over a glass of small ice cubes (not fully crushed), and sip it while reading a good book, looking at the fire, or whatever you do to relax with the TV off. :beer
by JArthur
Thu Dec 27, 2012 2:10 pm
Forum: Personal Consumer Issues
Topic: FICO Scores and Dating - All Wrong
Replies: 38
Views: 2629

Re: FICO Scores and Dating - All Wrong

If there were no FICO scores what would banks use to determine credit worthiness? Probably much the same information which is in the FICO score. I don’t have a problem with this as it isn’t the whole picture of someone, but merely a piece of the puzzle that can be a red flag, like if they have insan...
by JArthur
Thu Dec 20, 2012 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Diversification and Fees
Replies: 5
Views: 531

Re: 401K Diversification and Fees

DSInvestor wrote:Use your other accounts to round out the portfolio. SP500 in 401k with TISM and TBM in IRA is still three fund portfolio.

What are the bond fund options like in the 401k?
There's one: PTTDX

There are two blended funds with bonds, but the fees are criminal.
by JArthur
Thu Dec 20, 2012 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Diversification and Fees
Replies: 5
Views: 531

401K Diversification and Fees

My 401k has one index fund, an S&P 500 with an expense ratio of .20%. Not great, but not the end of the world. I have over a dozen options for other equity funds which could get me fully diversified from Developing, to US-Mid, small, Euro/Pacific, etc., but they are all active funds with an expense ...
by JArthur
Tue Dec 04, 2012 10:45 pm
Forum: Investing - Theory, News & General
Topic: Dangers of a high div strategy
Replies: 114
Views: 11902

Re: Dangers of a high div strategy

Wouldn't a longer comparison be better? VEIPX has been around since 1988 and is a large value, dividend seeking fund.

VFINX $10,000 purchased 03-21-88 all dividends reinvested = $88,467.82
VEIPX $10,000 purchased 03-21-88 all dividends reinvested = $95,791.33
by JArthur
Mon Dec 03, 2012 12:26 pm
Forum: Investing - Theory, News & General
Topic: High Yield Bonds for Portfolio Diversification?
Replies: 41
Views: 3582

Re: High Yield Bonds for Portfolio Diversification?

The question for me is when investments are in a taxable account would a tax exempt high yield fund be a benefit over taxable fund in higher tax brackets? Example: VWAHX
by JArthur
Mon Oct 22, 2012 10:48 am
Forum: Personal Finance (Not Investing)
Topic: One of the toughest decisions of my life [Employment]
Replies: 33
Views: 5423

Re: One of the toughest decisions of my life

Stay and do your twenty unless you are deployed to combat zones and they are too stressful/dangerous for your life situation, or you absolutely hate your occupation. I've never served but the veterans I know who served their full 20 have never expressed any regret to me.
by JArthur
Mon Oct 22, 2012 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Las Vegas Trip
Replies: 56
Views: 5329

Re: Las Vegas Trip

If you aren't a gambler: 1 Go see the shows every night. 2 Take a trip to Hoover Dam. 3 Freemont is great at night just to people watch. 4 Red Rock Canyon is very nice. 5 I highly recommend renting a car. 6 Even if you don't gamble, check out the interiors of the big casinos. 7 The Platinum is a gre...
by JArthur
Mon Oct 22, 2012 9:09 am
Forum: Personal Finance (Not Investing)
Topic: What does it feel like to have $1M+ liquid?
Replies: 126
Views: 15538

Re: What does it feel like to have $1M+ liquid?

+1,000. I've discussed this very thing on another message board. My thought was that Americans born around 1935-1940 are probably the luckiest Americans based on their date of birth. They missed the Great Depression and were too young to serve in WWII/Korea and too old to serve in Vietnam. They wer...
by JArthur
Thu Oct 18, 2012 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Peter Schiff's Book - The Real Crash - Your Thoughts?
Replies: 10
Views: 1680

Re: Peter Schiff's Book - The Real Crash - Your Thoughts?

investing our savings outside of U.S currency, Switzerland comes to mind first but he recommends others as well. - moving my allocation out of U.S. bonds and stocks and into global bonds and stock primarily. Have you done the same and if so what have you chose and how did you go about it? The probl...
by JArthur
Tue Oct 16, 2012 10:56 am
Forum: Investing - Theory, News & General
Topic: VG Short Term TIPS Launches Tuesday 16 Oct
Replies: 43
Views: 4469

Re: VG Short Term TIPS Launches Tuesday 16 Oct

Would this be a good addition for savers who want to build and maintain a diversified short term fixed income portfolio in a taxable account? This is exactly what I'm using it for. You don't see many VG funds with a puchase fee (0.25%) Is this typical with investing in TIPS? This is one of the reas...
by JArthur
Mon Jul 09, 2012 11:34 am
Forum: Investing - Theory, News & General
Topic: WSJ Article on Bridgeway Funds
Replies: 20
Views: 2797

Re: WSJ Article on Bridgeway Funds

Bought Bridgeway Aggressive Investors 2 in 2007 (now merged with Bridgeway Aggressive Fund). I'm still down 35%+. I don't need the money right now so I'll guess I'll just hang on to it for the next 10 years and hope it rebounds to break even. I bought it before I knew about indexing and when I thoug...
by JArthur
Fri Jun 22, 2012 5:00 pm
Forum: Investing - Theory, News & General
Topic: Using physical PM to diversify your Emergency Fund
Replies: 23
Views: 2856

Re: Using physical PM to diversify your Emergency Fund

Clive wrote:In bygone times. Now they confiscate by more stealthier, less intrusive means.
I've thought about this more than once. Which is worse: a government intentionally devaluing a fiat currency over decades which erodes your savings, or physical confiscation of PM wealth to achieve the same result.
by JArthur
Tue Jun 19, 2012 11:50 am
Forum: Investing - Theory, News & General
Topic: Using physical PM to diversify your Emergency Fund
Replies: 23
Views: 2856

Re: Using physical PM to diversify your Emergency Fund

Day9, Physical PM is essentially a bet against the common currency. I'm not opposed to it, but your emergency fund needs to be cash and your PM is something you hold on to waiting for TEOTWAWKI - (The End Of The World As We Know It). Besides the risk of volatility others have pointed out there are m...
by JArthur
Tue Jun 12, 2012 7:36 pm
Forum: Investing - Theory, News & General
Topic: Bogle on REITs?
Replies: 23
Views: 6681

Re: Bogle on REITs?

AAII Journal had an article on REITs in January of this year. The short version is that stock sectors correlate over time, except REITs. ...if long-horizon correlations between REITs and stocks are lower than short-horizon correlations, then strategic investors with long investment horizons can take...
by JArthur
Tue Jun 12, 2012 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Would you invest in real estate with a family member?
Replies: 35
Views: 3670

Re: Would you invest in real estate with a family member?

It's a really bad idea. I can speak from personal experience. There are some immediate family members still not talking to each other years later.
by JArthur
Tue Jun 12, 2012 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Need another tax efficient low risk option
Replies: 1
Views: 217

Need another tax efficient low risk option

I'm looking for another low risk tax efficient option beyond VMLTX which I currently invest in. An ETF or fund is fine, and would like it to be reasonably tax efficient option beyond munis for diversification in the 1-2 level of Risk Category. Any suggestions? Or is it worth going in on BND and just...
by JArthur
Sat Jun 09, 2012 3:58 pm
Forum: Investing - Theory, News & General
Topic: Deal of a lifetime in Europe?
Replies: 13
Views: 2241

Deal of a lifetime in Europe?

I'm about 30 years from retirement. Given the troubles the EU is having should I up my allocation from 30% in international stock market, or maybe add every month to VEURX? It's possible EU equities will be depressed at least for the next few years as it slides into a recession and possibly a depres...
by JArthur
Fri Feb 10, 2012 10:36 am
Forum: Investing - Theory, News & General
Topic: Playing It Safe as a Long-Term Strategy
Replies: 111
Views: 7827

Re: Playing It Safe as a Long-Term Strategy

This is a great thread and I believe that going forward that young people of today will more or less follow the path of less risk for the majority of their portfolio. Gen-Y is already risk averse having lived through two bubbles without the boom in equities that even Gen-X got to experience in the 9...
by JArthur
Wed Feb 08, 2012 2:56 pm
Forum: Investing - Theory, News & General
Topic: Are there skilled individual investors?
Replies: 155
Views: 13636

Re: Are there skilled individual investors?

Check out the American Association of Individual Investors. http://www.aaii.com The subscription is very inexpensive because besides model portfolios of stocks, etf and mutual funds you get a wealth of good articles about investing. It's one of the few magazine I read cover to cover each month and i...
by JArthur
Fri Jan 13, 2012 3:41 pm
Forum: Personal Consumer Issues
Topic: "Blade Runner" Asking your Opinion
Replies: 104
Views: 6636

Re: "Blade Runner" Asking your Opinion

The arguments that Deckard is a replicant are compelling, but I think the story is more interesting with him being a human. In killing non-humans he had lost his humanity and became a loner on the edge of alcoholism. He only finds his humanity again thanks to the replicants. First by falling in love...
by JArthur
Thu Jan 05, 2012 11:08 am
Forum: Personal Finance (Not Investing)
Topic: When is it worth going back to school?
Replies: 22
Views: 1439

Re: When is it worth going back to school?

With 14 years of experience going back to school would likely benefit you little except to get past an HR department's requirement for a degree when seeking a new job or promotion. Rather than spending time and money in school a likely better course of action would be to expand your IT horizons beyo...
by JArthur
Fri Dec 16, 2011 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Took the house off the market after 9 months!
Replies: 69
Views: 6762

Re: Took the house off the market after 9 months!

I'm not trying to take the blame away from people making poor choices. I just think that sometimes they get beat up a little to hard. I mean aren't most of them doing exactly what they have been told to do for 18 years? Yes, there are some obnoxious types on here, who spout their "look at me and my...
by JArthur
Wed Dec 14, 2011 4:09 pm
Forum: Investing - Theory, News & General
Topic: Burton Malkiel's non-random walk down Wall Street? by Allan
Replies: 16
Views: 2512

Re: Burton Malkiel's non-random walk down Wall Street? by Al

Here's another take on Malkiel. http://seekingalpha.com/article/312548-malkiel-disses-treasuries-and-he-s-right The argument that holding Treasuries in your portfolio might be counterproductive fiscally has merit, but switching out makes little sense. The entire idea behind modern portfolio theory a...
by JArthur
Wed Dec 14, 2011 2:43 pm
Forum: Investing - Theory, News & General
Topic: Burton Malkiel's non-random walk down Wall Street? by Allan
Replies: 16
Views: 2512

Re: Burton Malkiel's non-random walk down Wall Street? by Al

He's chasing returns which is troubling. He also realizes that it is likely that a conservative/bonds portfolio will lose money thanks to inflation. He's likely right about bonds not keeping up with inflation, but taking the portion of your portfolio that should be in fixed income and putting it in ...
by JArthur
Fri Dec 09, 2011 1:18 pm
Forum: Investing - Theory, News & General
Topic: Fees for 401(k)s will be revealed in 2012
Replies: 0
Views: 338

Fees for 401(k)s will be revealed in 2012

I can't imagine this hasn't been posted here, but I didn't see it when I searched. SAN FRANCISCO (MarketWatch ) — Save the date. Come April 2012, some 65 million workers with 401(k) plans are in for a change. For the first time ever, sponsors of 401(k) plans — employers — will have to disclose what ...
by JArthur
Fri Dec 02, 2011 8:48 pm
Forum: Investing - Theory, News & General
Topic: What does "left the workforce" mean?
Replies: 82
Views: 5930

Re: What does "left the workforce" mean?

GRT2BOUTDOORS, Yep. Many of us don't want to accept that the US's labor market has structurally changed and won't be going back to where it was just 4 short years ago. In addition many American workers no longer have to compete just locally but with 2.5 billion other workers from around the world. T...
by JArthur
Fri Dec 02, 2011 3:09 pm
Forum: Investing - Theory, News & General
Topic: What does "left the workforce" mean?
Replies: 82
Views: 5930

Re: What does "left the workforce" mean?

What about earlier than that? This only shows approximately 10 years of data. I'm curious as to trends before 1999. Here ya go: http://www.streettalklive.com/images/stories/1dailyxchange/employment-population-120211-2.png I think this is as far back as the records go. Seeing this chart highlights t...
by JArthur
Fri Dec 02, 2011 12:06 pm
Forum: Investing - Theory, News & General
Topic: What does "left the workforce" mean?
Replies: 82
Views: 5930

Re: What does "left the workforce" mean?

http://market-ticker.org/akcs-www?get_gallerynr=2501 This is actually a much better measure along with wage rates--which are http://data.bls.gov/timeseries/CIU2010000000000A down. I think we are back to about 1983 levels of Employment Rate of the Population so the 2008 recession destroyed ~30 years...
by JArthur
Thu Dec 01, 2011 11:50 am
Forum: Investing - Theory, News & General
Topic: I wonder if there would be zero posts if...
Replies: 24
Views: 2497

Re: I wonder if there would be zero posts if...

[quote="Valuethinker" We are not in normal times. We are in extraordinary times: possibly including the shattering of nostrums and paradigms. One hopes not, one hopes 'normal service will return shortly' but we have not faced these sorts of widespread economic problems since the 1970s, and this leve...
by JArthur
Tue Nov 29, 2011 11:20 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 374026

Re: What Book Are YOU Currently Reading? Part IV. (07/04/201

What Investors Really Want: Know What Drives Investor Behavior and Make Smarter Financial Decisions by Meir Statman. I'm nearly finished and I'd recommend this book along with A Random Walk Down Wall Street to anyone who thinks they are savvy enough to buy individual stocks and win at the Wall Stre...
by JArthur
Tue Nov 29, 2011 11:56 am
Forum: Personal Finance (Not Investing)
Topic: What is the downside to buying your first home?
Replies: 35
Views: 2781

Re: What is the downside to buying your first home?

A good rule of thumb is that maintenance costs will be 1% of the value of the home per year. People typically forget decorating and furniture costs. To fully decorate and furnish a new home expect to pay 5-15% of the value in the first couple of years. Of course no one has to have new furniture and ...