Search found 4428 matches

by JoMoney
Mon Dec 11, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: Small cap value vs. total market?
Replies: 10
Views: 693

Re: Small cap value vs. total market?

I don't think anyone will dispute that SCV has outperformed TSM over the last couple of decades... I will :twisted: 03/02/1993 - 03/01/2001 $10,000 in DFSVX grew to $29,276.43 $10,000 in VTSAX grew to $30,098.59 02/01/2004 - 12/10/2017 $10,000 in DFSVX grew to $32,051.69 $10,000 in VTSAX grew to $3...
by JoMoney
Mon Dec 11, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: What mix of intermediate and short term bonds?
Replies: 45
Views: 2189

Re: What mix of intermediate and short term bonds?

If it were me, I would hold a mix such that the combined duration was similar to the duration of a ladder of bonds maturing over a time period I might expect to need the money. i.e. If was looking at a ladder of individual bonds/CDs maturing over the next 5 years, I would be looking at a fund durati...
by JoMoney
Mon Dec 11, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 33
Views: 1680

Re: Linux based laptop or just a Windows based laptop formatted?

Honestly, for the basic applications you describe, Chromebook is the best bet. Cheap, secure, simple, and does everything on your list. Including Chrome being a Linux based OS, and can run most Linux distros either by dual-booting, concurrently using 'Crouton' or just the Linux apps you want to use...
by JoMoney
Mon Dec 11, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: Is Santa Claus Coming To Town?
Replies: 9
Views: 1325

Re: Is Santa Claus Coming To Town?

According to this MarketWatch article, https://www.marketwatch.com/story/global-stocks-could-make-history-this-month-by-refusing-to-fall-2017-12-08 ...World stocks, as measured by the MSCI AC World Index, have risen every month this year so far. In fact, they haven’t had a down month since October 2...
by JoMoney
Mon Dec 11, 2017 6:26 am
Forum: Investing - Theory, News & General
Topic: Is Santa Claus Coming To Town?
Replies: 9
Views: 1325

Re: Is Santa Claus Coming To Town?

Given the year to date performance, it would take a really large and abrupt drop to not end positive for the year.
by JoMoney
Mon Dec 11, 2017 3:26 am
Forum: Investing - Theory, News & General
Topic: VTI-Is this truly the total us stock market?
Replies: 6
Views: 934

Re: VTI-Is this truly the total us stock market?

VTI tracks the CRSP US Total Market Index the index is designed to be investable, so it does have a construction methodology which may exclude some listed stocks because of liquidity issues, or some other reasons... but for most purposes it's close enough to 100% coverage. As far as weighting of sma...
by JoMoney
Sun Dec 10, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Cell signal booster to fix -110 dBm 99aum signal strength
Replies: 9
Views: 500

Re: Cell signal booster to fix -110 dBm 99aum signal strength

If the device you're talking about getting to boost the signal is the one I'm seeing listed at around $600 , then I wouldn't consider it worthwhile unless that carrier was my only option. I would switch to a carrier that had better coverage before making that kind of investment in hardware (that wil...
by JoMoney
Sat Dec 09, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5495

Re: Does this happen to you? Educating friends about personal finance

... They ask for input from me and despite my input aligning with information they get from professional sources including their 1.5% account fee personal advisors, they blunder their way through... It can be difficult for some people to make the choices required. There are many options when it com...
by JoMoney
Sat Dec 09, 2017 7:53 am
Forum: Investing - Theory, News & General
Topic: Why Are So Many Companies Announcing Share Buyback?
Replies: 32
Views: 2794

Re: Why Are So Many Companies Announcing Share Buyback?

Buybacks give the impression that the company is doing well, has excess cash, and possibly implies that management thinks the stock is under-priced. It's also something that can be announced, and very few will even notice if they ever followed through doing the buyback. Dividends on the other hand a...
by JoMoney
Sat Dec 09, 2017 12:49 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 572
Views: 214417

Re: TV show recommendations?

Dirk Gently's Holistic Detective Agency (BBC America / Netflix) TV Series is loosely based around new stories surrounding the title character from the Douglas Adams books. It's a quirky kind of sci-fi, not a comedy but not not-funny ... There are similarities to the Dr.Who series, if you're a fan of...
by JoMoney
Fri Dec 08, 2017 10:03 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Is Worried About U.S. Pensions
Replies: 80
Views: 6968

Re: Jack Bogle Is Worried About U.S. Pensions

This is becoming routine, every week I see articles about John Bogle worrying about something. Stop worrying, just visit the nearest Mexican restaurant and enjoy some hot menudo aka breakfast for champions. Merry Christmas, and thanks for reading. This is good advice... err eh delicious advice
by JoMoney
Fri Dec 08, 2017 9:03 am
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 24
Views: 1910

Re: Call the Top!

S&P 500 @ $7,000
by JoMoney
Thu Dec 07, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: Did Capital One 360 Savings raise rates?
Replies: 29
Views: 3108

Re: Did Capital One 360 Savings raise rates?

I can't comment on the 360 Savings, but the online Capital One Money Market has increased from 1% to 1.3% over the past few months... increasing by increments of 0.1% on three different occasions. Yup ... :greedy https://www.bogleheads.org/forum/viewtopic.php?t=222084 https://www.bogleheads.org/for...
by JoMoney
Thu Dec 07, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: New Chromebook user, loving it, quick question
Replies: 14
Views: 1513

Re: New Chromebook user, loving it, quick question

There's a Chrome app called 'Text' that is a simple, offline, text editor as well: https://chrome.google.com/webstore/detail/text/mmfbcljfglbokpmkimbfghdkjmjhdgbg Works great, it has features aimed at someone writing scripts or HTML, but if you turn off the 'auto indent' it makes a fine text editor ...
by JoMoney
Thu Dec 07, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: Does it look like a bubble to you?
Replies: 42
Views: 3531

Re: Does it look like a bubble to you?

... Is Venezuela the only country where there is a dictated, official exchange rate that it is seriously different from reality? Here's a list of countries that have a 'dictated' / fixed exchange rate... not sure if any of the others are having issues that meet the "seriously different from reality...
by JoMoney
Wed Dec 06, 2017 7:49 am
Forum: Investing - Theory, News & General
Topic: Index funds....encourage market timing/stock picking?
Replies: 2
Views: 539

Re: Index funds....encourage market timing/stock picking?

Quite true... They're not necessarily 'stock picking' but many investors these days are into 'thematic investing', 'factor tilting', and other strategies that are active investing. Using index funds can make cheaper to do some styles of active investing, but that doesn't make it any easier to achiev...
by JoMoney
Wed Dec 06, 2017 6:40 am
Forum: Personal Consumer Issues
Topic: New Chromebook user, loving it, quick question
Replies: 14
Views: 1513

Re: New Chromebook user, loving it, quick question

Thank you, I will seek the app. I wasn't looking to edit text, I was looking for a temporary stashing place for making a note - like cutting and pasting a recipe I find online, as one example.....without it, I'd end up with a million bookmarks. lol There are lots of offline text editors and sticky-...
by JoMoney
Wed Dec 06, 2017 3:39 am
Forum: Investing - Theory, News & General
Topic: Hedge Market Risk By Short Selling Index ETF Or Selling Index Futures?
Replies: 25
Views: 1633

Re: Hedge Market Risk By Short Selling Index ETF Or Selling Index Futures?

For most people, derivatives increase risk, not reduce it. It's a mixed bag. There certainly is additional risks with regard to things like counterparty risk and a completely different 'system' with regard to potential liquidity and systemic market-wide issues in the specific derivative market, and...
by JoMoney
Wed Dec 06, 2017 12:22 am
Forum: Investing - Theory, News & General
Topic: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?
Replies: 55
Views: 2968

Re: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?

I've never heard any dividend fan argue it was a moral thing. The usual argument is one of either "magic pockets" where they argue the cash comes out without impacting the business or that since regular dividends are to some extent stable, the stream of income is safer and price fluctuations can be ...
by JoMoney
Sun Dec 03, 2017 2:26 am
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix the sleep mix or 80/20 mix
Replies: 38
Views: 3476

Re: Is 60/40 mix the sleep mix or 80/20 mix

60/40 seems to be very popular, not just now but going back a long long time. The first balanced mutual fund (Vanguard's Wellington fund) has been around 90 years using roughly that allocation. Mr. Bogle has a neat phrase about being 50/50 saying, he "spends half his time worrying about having so mu...
by JoMoney
Sat Dec 02, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Million dollar NW poverty in retirement ?
Replies: 11
Views: 2832

Re: Million dollar NW poverty in retirement ?

https://www.cnbc.com/2017/11/30/even-a-1-million-retirement-nest-egg-isnt-enough-anymore.html Any truth to this or just scaremongering by vested interests ? Per the commonly available statistics, Most people do not have anything close to $1MM and no or very little pensions when they retire and yet ...
by JoMoney
Sat Dec 02, 2017 3:22 am
Forum: Investing - Help with Personal Investments
Topic: I'm 100% international with VEU. Is this wise?
Replies: 57
Views: 3055

Re: I'm 100% international with VEU. Is this wise?

...Maybe listening a bit more to Buffett's comments about betting against the U.S., the most powerful country in the world, would be of benefit... Maybe... maybe not... but it definitely removes the potential for regret if you're using the S&P500 as a benchmark. If you're betting on VEU as an activ...
by JoMoney
Sat Dec 02, 2017 2:48 am
Forum: Personal Consumer Issues
Topic: Win Bigly - Scott Adams
Replies: 26
Views: 3681

Re: Win Bigly - Scott Adams

You'd likely get a YUGER response if you just asked for recs for persuasion books. :P I once read a persuasion book and the only thing that stuck was that if you give a small gift (even a bottle of water) to someone, they'll feel obligated to do something in return. That puts the pressure on them t...
by JoMoney
Fri Dec 01, 2017 4:17 pm
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 8703

Re: Amount You Need To Save Annually Over Lifespan

If a 25 year old in 1977 had started investing $150 each month in Vanguards 500 fund VFINX, adjusted the amount saved up with inflation, they'd have $2million in todays dollars 40 years later PV Link In inflation adjusted 2017 dollars, the $150 a month in 1977 would be $632 a month. Past returns are...
by JoMoney
Fri Dec 01, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Win Bigly - Scott Adams
Replies: 26
Views: 3681

Re: Win Bigly - Scott Adams

Dilbert is great, and relatable to anyone working in an office. With regards to Boglehead investing Scott Adams is problably on board: http://assets.amuniversal.com/20745f7085c90132c101005056a9545d Scott Adams: How Hard Could It Be? What lessons can investors learn from Warren Buffett’s investment s...
by JoMoney
Fri Dec 01, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Is Ali McGraw dead? Or do you even know who Ali McGraw is? Love Story? Goodbye Columbus?
Replies: 8
Views: 1068

Re: Is Ali McGraw dead? Or do you even know who Ali McGraw is? Love Story? Goodbye Columbus?

Prior to this post, I had no idea who Ali McGraw is/was or the referenced movies. I have heard the phrase, "Love means never having to say you're sorry." , but only being mocked in other movies / TV shows and had no idea what it referenced other than in context it must have been referencing some old...
by JoMoney
Fri Dec 01, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: I'm 100% international with VEU. Is this wise?
Replies: 57
Views: 3055

Re: I'm 100% international with VEU

Sounds like a cry for help.
by JoMoney
Fri Dec 01, 2017 4:08 am
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 9437

Re: Which crash have you seen it before it is coming?

...the only thing I actually remember writing down in it was my prediction that the OS/2 operating system would fail--in the days when Microsoft was still holding seminars at my workplace telling my bosses to marshal their resources behind OS/2 because they said was the real deal, and that Windows ...
by JoMoney
Wed Nov 29, 2017 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Using Portfolio Visualizer
Replies: 9
Views: 813

Re: Using Portfolio Visualizer

... Did you have to upload your own data to get it to work from 1926 or does it work from 1926 if I create an account Yes, I had to upload my own data after creating an account. You can upload a Excel/CSV file in the format. You can probably get the data from the Shiller CAPE spreadsheet, the Bogle...
by JoMoney
Wed Nov 29, 2017 8:41 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 9437

Re: Which crash have you seen it before it is coming?

I saw the 2000 stock bubble coming... in 1996
I sold some California real estate in 2003 because prices had gotten 'stupid' high (it went up A LOT more before peeking in 2007).
:?
by JoMoney
Wed Nov 29, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 213
Views: 15956

Re: Anyone tired of the stock market going up?

So tired, all this market going up, up, up... I'll keep up my regular contributions, and maintain my asset allocation, but might have to start taking a nap.
by JoMoney
Wed Nov 29, 2017 8:02 pm
Forum: Investing - Theory, News & General
Topic: Is it 1996 yet?
Replies: 21
Views: 2491

Re: Is it 1996 yet?

Real GDP from 1976 (5.73 trillion) to 1986 (7.94 trillion) was 3.3% CAGR, from 1986 to 1996 (10.74 trillion) was 3.0% CAGR, from 1996 to 2006 (14.72 trillion) 3.2% CAGR, from 2006 to 2016 (16.85 trillion) 1.3% CAGR Maybe valuations are, in part, high because growth has been low and there is some an...
by JoMoney
Tue Nov 28, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: What makes real estate a unique sector?
Replies: 25
Views: 1580

Re: What makes real estate a unique sector?

Income from rents may have a slightly higher pecking order in its stability relative to other businesses, real estate and building improvements tend to retain their value very well... but it tends to be a very capital intensive business (need to sink lots of initial money to buy property and improve...
by JoMoney
Tue Nov 28, 2017 2:15 am
Forum: Personal Finance (Not Investing)
Topic: Analysis Paralysis: Can you get to the bottom of things?
Replies: 134
Views: 8599

Re: Analysis Paralysis: Can you get to the bottom of things?

:D Everybody think's they're "rational". So convenient a thing it is to be a reasonable creature, since it enables one to find or make a reason for every thing one has a mind to do. Maybe the "rational" thing to do, is to decide what portfolio you want to hold, and then filter out all the obviously...
by JoMoney
Tue Nov 28, 2017 12:26 am
Forum: Investing - Theory, News & General
Topic: LCOL vs HCOL real estate - which is the better buy?
Replies: 13
Views: 1132

Re: LCOL vs HCOL real estate - which is the better buy?

For home purposes, you want the one that is where you want to live.
For investment purposes, you want the one that will go up the most and have the highest relative cap-rate.
by JoMoney
Mon Nov 27, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 143
Views: 15255

Re: Chromebooks- What is the lure?

... - We're definitely in an era in which you have to learn with the reality that there is tons of info about yourself out there being sold and distributed that you have little control of, and it's just going to get worse. Avoiding the cloud does very little of protecting yourself from this... Sad ...
by JoMoney
Mon Nov 27, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Why No CD Ladder ETFs?
Replies: 6
Views: 708

Re: Why No CD Ladder ETFs?

Liquidity.
Brokered CDs don't have the liquidity for authorized redemption/creation of ETF units without a big spread.
by JoMoney
Mon Nov 27, 2017 11:36 am
Forum: Investing - Theory, News & General
Topic: CNBC says Vanguard says 70% Chance of "Correction"
Replies: 63
Views: 7742

CNBC says Vanguard says 70% Chance of "Correction"

"Chance of US stock market correction now at 70 percent: Vanguard Group" Scary headline of the day. I'm guessing they're deriving that number from the below quotes https://www.cnbc.com/2017/11/27/chance-of-us-stock-market-correction-now-at-70-percent-vanguard.html Vanguard research shows that the c...
by JoMoney
Mon Nov 27, 2017 2:10 am
Forum: Personal Finance (Not Investing)
Topic: Analysis Paralysis: Can you get to the bottom of things?
Replies: 134
Views: 8599

Re: Analysis Paralysis: Can you get to the bottom of things?

:D Everybody think's they're "rational". So convenient a thing it is to be a reasonable creature, since it enables one to find or make a reason for every thing one has a mind to do. Maybe the "rational" thing to do, is to decide what portfolio you want to hold, and then filter out all the obviously ...
by JoMoney
Mon Nov 27, 2017 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Gold?
Replies: 64
Views: 3725

Re: Gold?

I'm not a fan of any commodity as an investment for its own sake. Even real estate, unless it's rented out, farmed, or put to some use doesn't really interest me. I'm not sure of what practical use gold would be to me. I have a gold dental crown and some gold-plated audio cables. I don't think it's ...
by JoMoney
Sun Nov 26, 2017 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Using Portfolio Visualizer
Replies: 9
Views: 813

Re: Using Portfolio Visualizer

The default available data in PV has limitations, but if you create an account you can upload your own data going back further. I've been able to get it to work with data going back to 1929 I'm curious if you can access this link and see the charts? https://www.portfoliovisualizer.com/backtest-portf...
by JoMoney
Sun Nov 26, 2017 2:14 am
Forum: Personal Finance (Not Investing)
Topic: Analysis Paralysis: Can you get to the bottom of things?
Replies: 134
Views: 8599

Re: Analysis Paralysis: Can you get to the bottom of things?

Keep it simple. How to win the 'losers game' . If you were determined to become a successful trader or professional securities investor, I think you need to have a certain passion and desire for it where I don't think you would be coming here looking for people to talk you out of it. Even among the ...
by JoMoney
Sat Nov 25, 2017 8:48 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 8763

Re: Why does everyone keep increasing their international stock %?

all of the theoretical concerns about risk in intl markets should already be factored into the pricing. If your theory was true, and the market is pricing in something for the risk of foreign holders of a stock, that would imply there's an even bigger premium for domestic holders of that same stock...
by JoMoney
Sat Nov 25, 2017 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Thankful for the Debt we Took - Should we Try Again?
Replies: 95
Views: 8882

Re: Thankful for the Debt we Took - Should we Try Again?

... The FA Ric Edelman is big on doing what you suggest providing all the pieces of the puzzle fit for your situation. https://www.edelmanfinancial.com/education-center/articles/1/11-great-reasons-to-carry-a-big-long-mortgage https://www.facebook.com/RicEdelman/posts/10151071214821647 I was going t...
by JoMoney
Fri Nov 24, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 143
Views: 15255

Re: Chromebooks- What is the lure?

I used an SD card reader to import to the Chromebook. They went automatically but very, very slowly to a Chromebook OS Cloud backup subfolder of My Drive. It takes forever to toggle from one photo to the next. My WiFi/Internet is plenty fast, but they are large files from my DSLR. Another thing I h...
by JoMoney
Fri Nov 24, 2017 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 213
Views: 15956

Re: Anyone tired of the stock market going up?

If you're trying to be a trader "buy low" , "sell high" ... then I can understand your lament that you haven't had any opportunities in the form of a big broad-market drop. I think one of the problems with slice'n'dice portfolios is it feeds this idea that you make money by shift assets around. My s...
by JoMoney
Fri Nov 24, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 143
Views: 15255

Re: Chromebooks- What is the lure?

... My main disappointment is that it is extremely slow in importing photos and displaying photos. Perhaps I am doing something wrong, but I find it almost completely useless for handling photos. How are you "importing and displaying photos" ? I use mine for photos frequently, and it works great fo...
by JoMoney
Fri Nov 24, 2017 8:39 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 8763

Re: Why does everyone keep increasing their international stock %?

One reason I admire Jack so much is that he doesn't feel obligated to follow or agree with the current trend , although he doesn't hesitate to start one if he believes it's right! It seems that everyone is arguing with Jack these days about the wisdom of holding a significant percentage of one's po...
by JoMoney
Fri Nov 24, 2017 6:11 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 8763

Re: Why does everyone keep increasing their international stock %?

Is there any research showing what portion of equity markets are owned by which countries, or US versus ex-US investors? In other words, is the US equity market owned by 75% US investors and 25% non-US? Also for foreign markets... for example are, say, 35% of ex-US equities owned by US investors? H...
by JoMoney
Fri Nov 24, 2017 3:54 am
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 8763

Re: Why does everyone keep increasing their international stock %?

If you hold less than 40% international then you are underweighting the global market cap and tilting to the US. If you do this then you are saying that you know more than all the other investment dollars in the world. Or maybe you're saying there are additional risks with international stocks, and...