Search found 18 matches

by Dr. Market
Fri Jul 05, 2013 9:09 pm
Forum: Personal Consumer Issues
Topic: Big Island Hawaii
Replies: 45
Views: 5659

Re: Big Island Hawaii

I second zzcooper's suggestion of snorkeling Captain Cook -- also some of the best snorkeling I've ever done. The scuba/snorkel with manta rays at sunset is also pretty unique. I first did this about 8 years ago and it was amazing...only about 20 people in the water, there for about 3 hours, and you...
by Dr. Market
Tue Apr 16, 2013 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: 401k for grad student on fellowship
Replies: 6
Views: 1932

Re: 401k for grad student on fellowship

Unfortunately, there is nothing you can do to my knowledge. I think all the weird taxation issues stem from fellowships being tax free entirely a few decades ago (lucky them). I bonds and stock index funds still are good in your situation. if you are in the 15% tax bracket you will pay NO federal ta...
by Dr. Market
Tue Apr 16, 2013 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: 401k for grad student on fellowship
Replies: 6
Views: 1932

Re: 401k for grad student on fellowship

Also, I-bonds are a great choice. You can use them as an emergency fund and you will likely have a lot of initial expenses transitioning to the real world so stocks may not be the best bet.
by Dr. Market
Tue Apr 16, 2013 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: 401k for grad student on fellowship
Replies: 6
Views: 1932

Re: 401k for grad student on fellowship

This can be a confusing topic due to the different ways graduate students can receive fellowship funds. I went through the same thing and some income that was reported normally on a W-2 (for me, teaching) was eligible to be put toward an IRA, but money I received directly from a fellowship was not c...
by Dr. Market
Tue Feb 19, 2013 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Buy Gold Panda coin
Replies: 11
Views: 1519

Re: Buy Gold Panda coin

I want to buy a gold Panda coin as a wedding gift in lieu of giving cash. Paying ~$200 in round-trip transaction costs in order to give a modest cash gift seems very un-bogle-y. Buying 1/4 Ounce Panda: $450 + $10 S/H = $460 Coin shop will buy it back for about $430 $30 transaction cost with minimal...
by Dr. Market
Mon Feb 18, 2013 8:50 pm
Forum: Investing - Theory, News & General
Topic: Is the Gold Rally Over
Replies: 160
Views: 11752

Re: Is the Gold Rally Over

Inflation (or its anticipation) has been inconsistent in its affect on all types of financial assets throughout history. This is true for both the stock market and gold.
by Dr. Market
Mon Feb 18, 2013 7:48 pm
Forum: Investing - Theory, News & General
Topic: Is the Gold Rally Over
Replies: 160
Views: 11752

Re: Is the Gold Rally Over

Langkawi wrote:
Two months earlier on Oct. 10, 2012, the metal had finished at $1,792, its highest close ever.
Wasn't it at around $1,890 in 2011?
Yes. Also, gold closed on October 10, 2012 at $1762...the high for the year was October 4.
by Dr. Market
Mon Feb 18, 2013 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Buy Gold Panda coin
Replies: 11
Views: 1519

Re: Buy Gold Panda coin

The three most liquid coins are the American Eagle, the Canadian Maple and the Krugerrand. I would stick to those three only. You will have no liquidity problems with a Panda. It is just as recognizable to a coin dealer as any of the above. You can expect to pay slightly more for a new Panda than a...
by Dr. Market
Mon Feb 18, 2013 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buy Gold Panda coin
Replies: 11
Views: 1519

Re: Buy Gold Panda coin

This is one coin I would not buy on the secondary market due to high quality fakes. I would only buy Pandas from a large bullion dealer. Assuming you are in the U.S., here are some large online dealers that I would personally buy from and that are good for small purchases: apmex.com gainesvillecoins...
by Dr. Market
Wed Feb 13, 2013 7:40 pm
Forum: Investing - Theory, News & General
Topic: A Tale of Two countries, Greece and Japan
Replies: 19
Views: 1703

Re: A Tale of Two countries, Greece and Japan

I agree that no one knows what will happen. There are also unique circumstances in the case of Japan that make comparisons to the U.S. difficult. A few differences: 1) Japan has had a mostly positive balance of trade over the past 20 years while the U.S. has not 2) The Japanese people hold most of t...
by Dr. Market
Wed Feb 13, 2013 1:12 pm
Forum: Investing - Theory, News & General
Topic: The Perils of financial modeling with Excel
Replies: 42
Views: 3987

Re: The Perils of financial modeling with Excel

I agree. The problem is the whale still thinks he is the the most expert of all and there are enough whales in the sea that a few will come out as wunderkinder. I can't think of any solutions. I'll give Whale a 2% bonus and I'll have the board give me a 10% bonus because I thought of the leverage. I...
by Dr. Market
Wed Feb 13, 2013 10:54 am
Forum: Investing - Theory, News & General
Topic: The Perils of financial modeling with Excel
Replies: 42
Views: 3987

Re: The Perils of financial modeling with Excel

I consider the issues in the article to be human problems rather than those with Excel. For most people, using programs like SAS/R/Matlab/Mathematica would lead to even more errors since mistakes can be made in coding by the inclusion/exclusion of a single character. Further, even many quants/statis...
by Dr. Market
Mon Feb 11, 2013 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing my Portfolio... Help Please!
Replies: 6
Views: 790

Re: Rebalancing my Portfolio... Help Please!

1) If you want to keep PBW I don't see it as a big deal since it is only 1.5% of your portfolio. The underlying index has negative earnings which sends up a pretty big red flag. The holdings also seem to be concentrated in high risk green tech stocks and there doesn't seem to be a lot of stable comp...
by Dr. Market
Mon Feb 11, 2013 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 50K of Savings Bonds?
Replies: 22
Views: 2840

Re: What to do with 50K of Savings Bonds?

I too inherited bonds of this vintage. With current interest rates I'm holding the EE bonds until maturity. I'm not sure what your personal situation is, but I think I-bonds can be used tax free for certain educational expenses. (I'm unsure of the exact rules.) If you have kids approaching college,...
by Dr. Market
Mon Feb 11, 2013 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: How do things look to you young investors these days?
Replies: 87
Views: 8986

Re: How do things look to you young investors these days?

Yes, 30 year treasury yields are low, but be careful using single year PE. Even if the market value of a treasury bought today goes down, you are still receiving a (near) risk-less return of 3.2% if bought today. The implied 6% return from a stock index investment based on this year's earnings is N...
by Dr. Market
Mon Feb 11, 2013 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: How do things look to you young investors these days?
Replies: 87
Views: 8986

Re: How do things look to you young investors these days?

Yes, perhaps I shouldn't be making any predictions but the OP asked how things looked and that is just my own outlook. Also, I am not trying to be defensive but I also disagree with much of what you say as well. 1) There have been many 5 year periods where the stock market hasn't had positive real ...
by Dr. Market
Sun Feb 10, 2013 10:39 am
Forum: Personal Finance (Not Investing)
Topic: How do things look to you young investors these days?
Replies: 87
Views: 8986

Re: How do things look to you young investors these days?

As a 25 year old planning to retire in 40 years, I am not worried about the long-term outcome of my investing plan but I think achieving real returns in the current environment will be more difficult than most Bogleheads anticipate. I think that the combination of current bond and stock prices are ...
by Dr. Market
Sat Feb 09, 2013 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: How do things look to you young investors these days?
Replies: 87
Views: 8986

Re: How do things look to you young investors these days?

As a 25 year old planning to retire in 40 years, I am not worried about the long-term outcome of my investing plan but I think achieving real returns in the current environment will be more difficult than most Bogleheads anticipate. I think that the combination of current bond and stock prices are u...