Search found 164 matches

by Methedras
Mon Dec 08, 2014 6:26 am
Forum: Personal Consumer Issues
Topic: Youngster talented in science and math
Replies: 47
Views: 5031

Re: Youngster talented in science and math

Is this child into computer games at all? If so, there is an amazing "game" which you could buy them that is, in actuality, a tutorial in physics masquerading as a video game. The game is called Kerbal Space Program. It is essentially a flight simulator, except in this game you go beyond flight by a...
by Methedras
Wed Nov 26, 2014 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Been out of market since 2008 and can't get back in
Replies: 52
Views: 6486

Re: Been out of market since 2008 and can't get back in

I know I'm just parroting advice which has already been presented, but I just thought I'd throw my hat in the ring. You have a low 7-figure income, but state you are only adding 50k per year to your invesrments. This is your most significant problem by a huge margin. Let's say you keep ~$600k after ...
by Methedras
Wed Nov 26, 2014 11:36 am
Forum: Investing - Theory, News & General
Topic: "Two Key Lessons You Can Learn From Academic Research"
Replies: 10
Views: 2351

Re: "Two Key Lessons You Can Learn From Academic Research"

A nice simple reminder of the principles we all essentially adhere to. I also specifically appreciate the professor taking the time to address factor investing, where he reminds us that there is no free lunch after diversification. This is why I am slowly becoming less of a believer in factor invest...
by Methedras
Fri Nov 14, 2014 11:20 am
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 181
Views: 21050

Re: Dealing with pressure for "social donations" at work

Keep in mind that if this is in fact a long-standing tradition, then this amount was already built into your salary from day one. That being said, I think I would be having the exact same emotional response as the OP. Think of it liking tipping when you go to a restaurant. It's not listed on the men...
by Methedras
Fri Nov 14, 2014 9:50 am
Forum: Personal Consumer Issues
Topic: Chip and Pin: busted by hackers before it's even here
Replies: 17
Views: 2266

Re: Chip and Pin: busted by hackers before it's even here

But I know that they are talking about the contactless variant, because I have a PhD in Electrical Engineering, and these topics fall within my area of expertise.
by Methedras
Fri Nov 14, 2014 9:31 am
Forum: Personal Consumer Issues
Topic: Chip and Pin: busted by hackers before it's even here
Replies: 17
Views: 2266

Re: Chip and Pin: busted by hackers before it's even here

http://www.wired.com/2014/11/chip-n-pin-foreign-currency-vulnerability/ Let me again highlight that this article is discussing weaknesses in the contactless payment system , not the physical Chip & PIN. Again, that's not to say that Chip & PIN is somehow perfect, but no one can exploit this particu...
by Methedras
Fri Nov 14, 2014 7:25 am
Forum: Personal Consumer Issues
Topic: Chip and Pin: busted by hackers before it's even here
Replies: 17
Views: 2266

Re: Chip and Pin: busted by hackers before it's even here

The ABC News segment is incredibly vague, almost on the point of being negligent. The only reason it isn't negligent is because the overall message of 'Be diligent about identity protection' is still a very good one. Previously when I was working as a consultant, one of my main projects was the hard...
by Methedras
Tue Nov 11, 2014 9:25 am
Forum: Investing - Theory, News & General
Topic: Mr Bogle - 20x p/e warning
Replies: 22
Views: 4634

Re: Mr Bogle - 20x p/e warning

At the risk of sounding like an apologist, I am going to propose an example of what Mr. Bogle might have been thinking. I am only speculating based on my knowledge of his past advice. Given that valuations are so high, this could be a warning sign that one should expect the total return for the S&P ...
by Methedras
Fri Sep 19, 2014 9:25 am
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 171
Views: 20886

Re: AliBaba

cfs wrote:Investing in BABA?

Just wondering who picked this symbol, there is a baba word in Spanish--saliva dripping out of the mouth is baba.
I think the word you are looking for is drool.
by Methedras
Thu Sep 18, 2014 6:00 am
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 7938

Re: LASTPASS Password Program

Now let's think about the ways in which that code gets delivered, in my case a Chrome extension and mobile app. The nice part is you have control over the versions of these. A simple way to protect against the malicious code attack is to update them only rarely; say only after a month has passed fr...
by Methedras
Tue Sep 16, 2014 8:16 am
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 29
Views: 3885

Re: Air Purifier for Allergies

Just one man's opinion here, but I would make sure to buy an air purifier that had a HEPA air filter. Those ionic ones just don't seem to do the trick. Even if you have to replace filters from time to time, at least the product is doing as described, whereas I have found the ionic filters just don't...
by Methedras
Fri Aug 29, 2014 6:46 pm
Forum: Personal Consumer Issues
Topic: Trip to China
Replies: 13
Views: 1307

Re: Trip to China

I've used "Private Internet Access" for Mac but it might be available for other platforms. You just tell it what location you want to appear from, i.e. USA California. I wanted to watch DailyShow in London while I was living there. It is otherwise blocked. Matt I am currently living in London, and ...
by Methedras
Tue Aug 19, 2014 10:12 am
Forum: Investing - Help with Personal Investments
Topic: When to put money into bond fund rather than home principal
Replies: 14
Views: 2382

Re: When to put money into bond fund rather than home princi

This is tricky to answer definitively. I would say that if you can earn an interest rate in bonds (minus any tax hit) which surpasses what it would cost you in mortgage interest (plus any tax benefit), then you should do it. This depends a lot on your income, and thus your marginal tax bracket. The ...
by Methedras
Fri Aug 15, 2014 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Salary Negotiation (Bay Area)
Replies: 13
Views: 1888

Re: Help with Salary Negotiation (Bay Area)

So, I consulted with Salary.com and Glassdoor based on the advice in this thread. I also consulted a few cost of living calculators, and looked at some apartments I would be OK with moving into. I actually built a whole cost of living spreadsheet to account for all expenses/taxes I could think of. I...
by Methedras
Fri Aug 15, 2014 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Salary Negotiation (Bay Area)
Replies: 13
Views: 1888

Help with Salary Negotiation (Bay Area)

Hey everyone, I need some help with how to manage my salary negotiations. I'm turning to the smartest community I know! I am currently an academic researcher, specifically in the field of power systems engineering. While I was on a foreign visit, I was approached by a gentleman who informed me of an...
by Methedras
Thu Aug 14, 2014 9:22 am
Forum: Investing - Theory, News & General
Topic: Average investor even underperforms cash
Replies: 8
Views: 1556

Re: Average investor even underperforms cash

richard wrote:If the "average investor" consistently trails the market, that must mean another group consistently beats the market.
Most likely, it is those who have the capital and willingness to buy equities during and after a significant downturn.
by Methedras
Mon Jul 07, 2014 7:43 am
Forum: Investing - Theory, News & General
Topic: The cost of chasing returns: around 2%/year
Replies: 18
Views: 2406

Re: The cost of chasing returns: around 2%/year

"The result shows that return-chasing behavior had a significant impact on the performance of return. The buy-and-hold strategy earned an average annual return of 5.6 percent in the sample period, while return-chasing behavior only realized 3.6 percent. In other words, chasing returns caused the av...
by Methedras
Thu Jul 03, 2014 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Help Starting Portfolio for Young Ex-Pat
Replies: 4
Views: 600

Re: Help Starting Portfolio for Young Ex-Pat

Questions 1. is Roth IRA my best tax-defferred option? Do I qualify as an ex-pat due to me using the FEIE for taxes 2. Which Vanguard ETF strategy is the best low expense ratio/low tax option? 3. Help on tax efficient fund placement? Does choosing individual ETF funds yourself and rebalancing cheap...
by Methedras
Wed Jul 02, 2014 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Get in the game
Replies: 21
Views: 2290

Re: Get in the game

You were smart enough to seek advice from an engaged and supportive online community. That is the first step. Not to beat a dead horse here, but you got hosed by "your guy", big time. Learn from this mistake, but the most important thing for you to realize is that you are one of the few people in th...
by Methedras
Wed Jul 02, 2014 6:15 pm
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 154
Views: 18744

Re: The Risk of Short-term Bond Funds

OK, folks … how do you explain that some folks made more money by switching to short-term bond funds than they would have made by staying in intermediate-term bond funds? ... Market timing, plain and simple. I would say that generally speaking, it is very wise to keep the duration of your bond hold...
by Methedras
Fri Jun 13, 2014 5:09 am
Forum: Investing - Theory, News & General
Topic: International Tilting and the Predictability of Returns
Replies: 22
Views: 2089

Re: International Tilting and the Predictability of Returns

Warning: Math geekery ahead!!! :shock: the relation is monotonic In fact, three time periods (1900-1924, 1975-1999, and 2000-2010) in the five-period study are specifically non-monotonic. They do display an upward trend as yield increases, I will agree with that, but even the time periods which do i...
by Methedras
Fri Jun 13, 2014 4:47 am
Forum: Local Chapters and Bogleheads Community
Topic: RTP, NC Chapter Meeting 9:30 AM Sat June 14, 2014
Replies: 7
Views: 2510

Re: RTP, NC Chapter Meeting 9:30 AM Sat June 14, 2014

I can attend in spirit only. :)

Hope it's enjoyable for all who are able to attend!
by Methedras
Mon Jun 09, 2014 6:31 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 232
Views: 31617

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

Bill can be counted on to provide excellent financial insight into a number of areas. Prediction of future returns isn't one of them.
by Methedras
Mon May 05, 2014 6:06 pm
Forum: Investing - Theory, News & General
Topic: A riddle about "attributing" gains.
Replies: 44
Views: 5485

Re: A riddle about "attributing" gains.

Gains and losses should be measured in nepers. From $100,000 to $400,000 is a gain of 1.386 Np. From $100,000 to $1,600,000 is a gain of 2.773 Np. Cappy's gain is half the total gain. From $100 to $17,470 is a gain of 5.136 Np. From $100 to $265,851 is a gain of 7.886 Np. Price gain is 65% of total...
by Methedras
Mon May 05, 2014 2:28 pm
Forum: Investing - Theory, News & General
Topic: A riddle about "attributing" gains.
Replies: 44
Views: 5485

Re: A riddle about "attributing" gains.

This is a great way of presenting the difficulty of "decomposing" the contributions of investment factors... For the engineers, scientists, and general number geeks on the forum (and there are quite a few of us), the relevant theoretical background can be found in the superposition principle, http:...
by Methedras
Mon May 05, 2014 12:52 pm
Forum: Investing - Theory, News & General
Topic: A riddle about "attributing" gains.
Replies: 44
Views: 5485

Re: A riddle about "attributing" gains.

I agree with Nisiprius and Rodc The return explained by dividends is 4.08 / (7.33 + 4.08) which is about 35% Since returns are compounded, they can't be easily separated mathematically. X: $100,000 @ 7.33% grows to $1,693,733 after 40 years. Y: $100,000 @ 4.08% grows to $495,098 after 40 years. Z: ...
by Methedras
Tue Apr 22, 2014 4:07 pm
Forum: Investing - Theory, News & General
Topic: Why is the price so low for option? Is this real?
Replies: 21
Views: 1901

Re: Why is the price so low for option? Is this real?

Ask is 0.85 Bid is 0.70 And here's your answer. The option price is outdated, likely from the last traded option contract (which appears to be when the stock price was slightly higher.) With the currently quoted bid price, you'd get even money (before trading fees). If you bid the ask, you'd lose $...
by Methedras
Mon Apr 21, 2014 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Who pays best prices for Kugerrands and silver dollars
Replies: 3
Views: 745

Re: Who pays best prices for Kugerrands and silver dollars

I've used Kitco in the past, and they worked fine for me.
by Methedras
Sun Apr 20, 2014 6:49 pm
Forum: Personal Consumer Issues
Topic: Windsor, UK, question
Replies: 29
Views: 1706

Re: Windsor, UK, question

Thank you, Methedras, I will be visiting both Windsor and London, Windsor for an event and London for pleasure. I've been to London eight to ten times, the last time in 2006, and so it's time to come back. I particularly like London's parks and try to visit them when I can. What are your top 5 sugg...
by Methedras
Sun Apr 20, 2014 4:53 pm
Forum: Personal Consumer Issues
Topic: Windsor, UK, question
Replies: 29
Views: 1706

Re: Windsor, UK, question

Windsor and Eton are lovely, and should be especially nice the time of year you are visiting. My wife and I live not too far from Windsor, and we visit several times a year. I don't have too much further advice; it seems you have it mostly figured out, but also note that if you like, you can easily ...
by Methedras
Fri Apr 18, 2014 7:00 am
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 15383

Re: *poor* Bogleheads

It's important to remember that a six figure salary might sound like a lot, but it isn't if you live in a HCOL area. Also don't forget that folks often combine the portfolio of two people (i.e. to include their significant other) which means you are seeing the net worth of two individuals and not o...
by Methedras
Wed Apr 16, 2014 11:45 am
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 7144

Re: What is your net worth

pennstater2005 wrote:Negative. Now I'm depressed.
I'm with you. I only recently have moved into positive territory. The distance between my current position and financial freedom is almost too wide to fathom.
by Methedras
Wed Apr 16, 2014 11:34 am
Forum: Investing - Theory, News & General
Topic: Japan Does not Show That Stocks are Dangerous
Replies: 79
Views: 7512

Re: Japan Does not Show That Stocks are Dangerous

As an analogy, you're about to parachute into the middle of genocidal civil war in Africa. You read that someone was killed there in a helicopter accident. "Great", you think to yourself, "I just won't take any helicopters, and this trip will be risk free!" There are too many "black and white" styl...
by Methedras
Wed Apr 16, 2014 6:26 am
Forum: Investing - Theory, News & General
Topic: Japan Does not Show That Stocks are Dangerous
Replies: 79
Views: 7512

Re: Japan Does not Show That Stocks are Dangerous

What is the CAPE at which I should not buy stocks? Should I sell my stocks if CAPE goes above this level? If so, at what level should I start buying them back? Well, there isn't a precise answer for this, but certainly there is a "loose" answer. All things being equal, the expected return from purc...
by Methedras
Mon Apr 14, 2014 10:12 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for RTP, North Carolina Bogleheads Chapter
Replies: 43
Views: 15585

Re: Master Thread for RTP, North Carolina Bogleheads Chapter

Howdy, Just putting a post here to "tag" the thread so I can find it again later. I am a special variety of RTP Boglehead: I was born and raised in Raleigh, I own a house in Raleigh, and I will likely one day move back to Raleigh. However, I am currently living in London, so I am a bit of an absente...
by Methedras
Mon Apr 14, 2014 8:29 am
Forum: Investing - Help with Personal Investments
Topic: What does "invest in the market mean"
Replies: 11
Views: 1143

Re: What does "invest in the market mean"

cetncetn, Typically, when someone talks about "investing in the market", what they mean is to avoid purchasing individual company stocks, and to instead purchase an index fund or index ETF which matches the performance of the market as a whole. An example of this would be an index fund or ETF which ...
by Methedras
Sun Apr 13, 2014 5:36 pm
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 2361

Re: Traveling by train in the UK for the firs time, help!

http://www.nationalrail.co.uk/ This site aggregates most (if not all) of the carriers onto a single search, and you can purchase right through this site, no problems. As an example, I've used this site to buy tickets to travel to Bath, Brighton, Dover, and Manchester all within the past year and a h...
by Methedras
Fri Apr 11, 2014 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: How to short?
Replies: 14
Views: 1618

Re: How to short?

I'm glad if I've helped. :beer
by Methedras
Fri Apr 11, 2014 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: How to short?
Replies: 14
Views: 1618

Re: How to short?

Pinhead, You're worth $1.6 million. You've already won the game. Don't blow it by trying to compete in the active trading market against well-paid, experienced, and incredibly wealthy trading institutions. This would be like you asking how to beat Michael Jordan in some one-on-one ball. It just isn'...
by Methedras
Fri Apr 11, 2014 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Taxes with New Accountant ... Is this for real??? Investing
Replies: 33
Views: 3882

Re: Taxes with New Accountant ... Is this for real??? Invest

My response here certainly does not constitute legal tax advice, but I believe that you must pay the income tax on your salary earned in NY to NY. I still think that you need to file the NJ return since you live there, but that NJ will not tax your income due to double taxation rules. However, I don...
by Methedras
Fri Apr 11, 2014 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Have you upgraded your Vanguard accounts?
Replies: 20
Views: 7175

Re: Have you upgraded your Vanguard accounts?

I upgraded my accounts. It went smoothly and only took one day. It just makes my 'Balances and Holdings' page a little less cluttered, but otherwise is exactly the same. Since I had taxable, Roth, and Traditional IRA accounts (with an additional brokerage account attached to each), it cut me from 6 ...
by Methedras
Sun Apr 06, 2014 2:13 pm
Forum: Investing - Theory, News & General
Topic: Can too high a % of market indexing become a liability?
Replies: 9
Views: 1561

Re: Can too high a % of market indexing become a liability?

I would think that, in a hypothetical world, there could be a type of over-indexing, which wouldn't be a bubble in the same way as an asset bubble. It wouldn't necessarily lead to higher and higher prices, since the net amount of money invested could be identical to a case with fewer percent of tota...
by Methedras
Fri Apr 04, 2014 5:06 am
Forum: Investing - Help with Personal Investments
Topic: Investing Strategy for Future Expats
Replies: 14
Views: 1317

Re: Investing Strategy for Future Expats

I don't know how this talk of renouncing citizenship got started. You absolutely do not have to revoke a US citizenship just to live and work in another country. You can maintain your US citizenship and live as a resident in another country for many years, and the rest of your life if you choose to ...
by Methedras
Mon Mar 31, 2014 12:57 pm
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 54
Views: 19027

Re: New E-book for Millennials

Great insights, but of course it almost goes without saying at this point, Bill. However, and I say with the utmost respect, but the typesetting/typography could use a little work, if you're trying to connect with Millenials (or the average person, really). We all here at the forum already know that...
by Methedras
Mon Mar 31, 2014 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 12455

Re: Death of co-worker

Contrary to popular belief, it's my opinion that retirement obsession is for fools. Life is the journey, and the biggest regrets are of actions not taken. Living on Ramen noodles for 40 years only to die a few months after retirement is a lot more common than you think. Live the life you enjoy livi...
by Methedras
Mon Mar 31, 2014 11:56 am
Forum: Personal Consumer Issues
Topic: Boxed Wines
Replies: 29
Views: 4072

Re: Boxed Wines

Barefootgirl,

Coincidentally, I have had good success with 'Barefoot' brand wines. I believe they come in both bottle and box. Also, I like the Gato Negro Cabernet Sauvignon, and I know it comes in a box.
by Methedras
Sat Mar 29, 2014 9:53 am
Forum: Personal Finance (Not Investing)
Topic: What makes a boglehead different [Behavior of saving]
Replies: 36
Views: 5437

Re: What makes a boglehead different

The impression I get from most savers (including those on this board) is that saving is gratifying. However, the gratification doesn't come from some number in an account, but in reduced stress, increased financial independence, and the likelihood of being able to retire early (essentially purchasin...
by Methedras
Sat Mar 29, 2014 9:28 am
Forum: Personal Consumer Issues
Topic: Cloud storage advice?
Replies: 22
Views: 3123

Re: Cloud storage advice?

I use Google Drive, and I just transitioned to a Windows 8 machine last week. The process was completely seamless, as Google Drive simple synchronized my new computer to be up-to-date with the files current stored on Google's servers. I have no idea what could be causing your tech issues. Edit: And ...
by Methedras
Wed Mar 26, 2014 10:37 am
Forum: Investing - Theory, News & General
Topic: Play money account end result
Replies: 5
Views: 997

Re: Play money account end result

I also played at the options game for a very short while. I had good success for about 6 months, and then lost all of my gains plus about $400 in a single week. In all honesty, my loss was due to my own greed, where I held a position which I knew I should have sold in order to try and squeeze out a ...
by Methedras
Fri Mar 21, 2014 7:05 am
Forum: Personal Consumer Issues
Topic: Laptop Cost
Replies: 15
Views: 1561

Re: Laptop Cost

I just bought a new Windows 8 laptop, so I can let you know that if you too buy a laptop with Windows 8, you can upgrade to Windows 8.1 for free via the Windoews Update (like a service pack upgrade.) Also, you don't necessarily need Windows Pro for full disk encryption. There are open-source tools a...