Search found 588 matches

by dcabler
Thu Sep 13, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Need burner phone for wife traveling in Italy
Replies: 24
Views: 1830

Re: Need burner phone for wife traveling in Italy

She can always take her current phone but buy a pre-paid SIM card over there and swap the current one out till she gets back home. Usually cheaper than a new phone. She'll have a different phone number while she's over there, but as long as everybody knows that, it usually work out fine.
by dcabler
Thu Sep 06, 2018 2:46 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1043
Views: 79657

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Gort wrote:
Tue Sep 04, 2018 5:23 pm
959 posts.
Anxiously waiting for the Executive Summary.
Why? This topic comes up all the time. Maybe we need to start another small cap value tilt thread or a factors thread so that can be thrashed some more with no consensus but plenty of opinion. :D
by dcabler
Mon Sep 03, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: Gentlemen: underwear shopping question
Replies: 35
Views: 3898

Re: Gentlemen: underwear shopping question

The Ex Officio give n go is my favorite travel underwear of choice. I wear the regular boxers, but I assume their briefs are also very nice. They're made well, but a common complaint is that after many wears the waistband gives out, rendering the underwear useless. This happened to my first pair, b...
by dcabler
Mon Sep 03, 2018 6:43 am
Forum: Personal Consumer Issues
Topic: Wet & Forget for roof algae?
Replies: 13
Views: 1777

Re: Wet & Forget for roof algae?

Never used it on a roof, but it's good stuff: used it on some brick and concrete areas around that house that don't get a lot of sun. you do have to be patient and it may take a few applications, but it beats the heck out of scrubbing or using a high pressure sprayer which may damage whatever it is ...
by dcabler
Mon Sep 03, 2018 6:37 am
Forum: Investing - Theory, News & General
Topic: Retirees who went before me: Does a glidepath really work
Replies: 24
Views: 3116

Re: Retirees who went before me: Does a glidepath really work

Here's an article that prompted a multi-page discussion on this topic back in 2012... https://www.researchaffiliates.com/en_us/publications/articles/f_2012_sep_the_glidepath_illusion.html A follow on article: https://www.fa-mag.com/news/arnott-defends-glidepath-conclusions-12223.html And the BH thre...
by dcabler
Sun Sep 02, 2018 6:47 am
Forum: Investing - Theory, News & General
Topic: Portfolio Construction: Total World Stock + TIPS or Treasuries
Replies: 40
Views: 3215

Re: Portfolio Construction: Total World Stock + TIPS or Treasuries

I do something close to B but with a slightly different thought process. I think of my portfolio as having two parts: A volatile part and an income part. In the volatile part I'm 60/40 with regular bonds (TBM or Int treasuries) The income part is composed of TIPs and Ibonds and I intend to use that ...
by dcabler
Thu Aug 30, 2018 9:53 am
Forum: Investing - Theory, News & General
Topic: Wow! Just discovered "Portfolio Visualizer".
Replies: 15
Views: 5456

Re: Wow! Just discovered "Portfolio Visualizer".

My advice: Keeping playing with PV. Lots of good stuff there. I use the Monte Carlo functionality. You might want to complement your PV play with Portfolio Charts (portfoliocharts.com). I really like it for the complex visualizations. I seem to recall some guy, Tyler 9000, has something to do with ...
by dcabler
Thu Aug 30, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Expense ratios and fees - Fidelity and flip flopping advice
Replies: 61
Views: 4215

Re: Expense ratios and fees - Fidelity and flip flopping advice

Now that Fidelity is offering zero expense ratio funds to compete with Vanguard funds, I see flip flopping investment advice online and all of a sudden, "wait a minute - fees aren't everything". Has anyone else noticed this? Given what I've taken away from Bogle's advice in the past, I should be in...
by dcabler
Thu Aug 30, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity's calculator suddenly more optimistic?
Replies: 12
Views: 1708

Re: Fidelity's calculator suddenly more optimistic?

I also noticed an uptick in the readiness score by a couple of points. It had been a while since I last did the analysis, so I chalked it up to my portfolio size increasing. Note that they also just transitioned fullview, which their calculator uses. So if you haven't gone through the process of upd...
by dcabler
Wed Aug 29, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11070

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

Whatever choice of assets you choose to create your portfolio with, might be subject to "tracking error" against some benchmark. We can always find a benchmark that has performed better or worse than what we're doing. :D Or we can choose not to track against any benchmark, if we're happy with the pe...
by dcabler
Wed Aug 29, 2018 10:11 am
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11070

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

Three-fund portfolio (or whatever) is good enough for you, where "you" is whoever is posting. Pretty sure that whatever is good enough for me is totally up to me. What is good for an individual and what is "up to" an individual are two totally different things. That brings me to the next misunderst...
by dcabler
Wed Aug 29, 2018 6:38 am
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11070

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

Three-fund portfolio (or whatever) is good enough for you, where "you" is whoever is posting. Pretty sure that whatever is good enough for me is totally up to me.
by dcabler
Tue Aug 28, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11684

Re: How do you 7 figure guys organize multiple accounts?

WHat do you use to get live quotes in excel? Is this an excel file on your drive or on a google drive? as i life long excel user i can't get used to google docs... I use the SMF Add-in for Excel. You can download the add-in and a sample spreadsheet at that link to the author's Blogspot page. It is ...
by dcabler
Tue Aug 28, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: How do you make use of this boglehead.org?
Replies: 20
Views: 2268

Re: How do you make use of this boglehead.org?

Additionally I try to read the boglehead wiki topics and then search posts before asking a question. I noticed many here skip these steps. Many also skip the using the search feature in the top righthand corner before diving in to yet another episode of "should I tilt", "what about factors", "shoul...
by dcabler
Tue Aug 28, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11684

Re: How do you 7 figure guys organize multiple accounts?

I use a spreadsheet. I use MINT mainly to look at where spending goes - only connected to my checking account. Otherwise, I use a spreadsheet as I have a similar setup. Rollover IRA at Fidelity Taxable account at Fidelity Taxable account at Fidelity His and Hers Treasury Direct accounts with some I...
by dcabler
Tue Aug 28, 2018 6:24 am
Forum: Investing - Theory, News & General
Topic: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!
Replies: 20
Views: 2117

Re: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!

I have had plans all year to open up a UTMA for my kiddo, but haven't gotten around to it. When I saw the new zero e/r no minimum funds, it popped into my head that this would be a great way to go. Glad somebody already tried it!
by dcabler
Mon Aug 27, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Overfunding 401k - how to correct?
Replies: 9
Views: 612

Re: Overfunding 401k - how to correct?

When I switch employers I always tell New-Company Payroll how much I already funded for the year and they make sure that they stop when they hit the total for the year - never had a problem with this. As far as reversing the 401K of prior company to get the full match of new company - I don't "thin...
by dcabler
Mon Aug 27, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Overfunding 401k - how to correct?
Replies: 9
Views: 612

Re: Overfunding 401k - how to correct?

When I switch employers I always tell New-Company Payroll how much I already funded for the year and they make sure that they stop when they hit the total for the year - never had a problem with this. As far as reversing the 401K of prior company to get the full match of new company - I don't "thin...
by dcabler
Sun Aug 26, 2018 7:21 am
Forum: Investing - Theory, News & General
Topic: 2000-2018 retirement - sequence of returns
Replies: 153
Views: 13232

Re: 2000-2018 retirement - sequence of returns

This emphasizes a point I’ve been trying to make for quite some time. Initially my points weren’t too clear because I didn’t understand the subject too well myself. But bottom line is that volatility is a portfolio killer and this effect is amplified big time during withdrawal phase. Money that is ...
by dcabler
Sat Aug 25, 2018 6:37 pm
Forum: Investing - Theory, News & General
Topic: Any issue with not holding mid caps?
Replies: 50
Views: 3445

Re: Any issue with not holding mid caps?

As noted earlier "cap" size depends on whom you ask. Morningstar has its own definition of breakpoints between large, mid, small, value, blend, growth and it was recently changed. Individual index providers also have their own. Here's a bogleheads table of various mid-cap index returns. Take a look,...
by dcabler
Fri Aug 24, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Have you made short term sacrifices to gain long term success?
Replies: 17
Views: 1788

Re: Have you made short term sacrifices to gain long term success?

In my late 20’s I accepted a work assignment in rural North Dakota. The incentives were free housing, car, monthly allowances, extra bonuses etc. I spent 2.5 years there and it was one of the best things I’ve ever done. I was able to save $250k while I was up there; and the work experience looks gr...
by dcabler
Wed Aug 22, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Comfortable with all funds in two brokerage houses?
Replies: 11
Views: 1080

Re: Comfortable with all funds in two brokerage houses?

Biggest chunk: Fidelity: Taxable and Rollover IRA Smaller Chunk: Vanguard: Taxable & current 401K Smaller amounts in HSA at HealthEquity and a Deferred compensation account at Prudential. Prudential account will finish paying out in a few years and then I'll be down to 3 accounts. Why? Why not? Not ...
by dcabler
Tue Aug 21, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: No advance notice to employer
Replies: 42
Views: 3948

Re: No advance notice to employer

I worked in the high tech sector where stock options were the norm. During the go-go 90s we would sometimes notice that someone was no longer around. "Oh, he called in rich. Doesn't work here anymore." Plenty of people fantasized about calling in rich with the idea that they would never have to wor...
by dcabler
Tue Aug 21, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: No advance notice to employer
Replies: 42
Views: 3948

Re: No advance notice to employer

I wouldn't do it. 2 weeks is reasonable and you can put up with just about anything for that long. That said, I know more than one person that put in for 2 weeks vacation and gave notice the day before vacation started. In high school I accepted a job on a Friday. Over the weekend, I couldn't sleep ...
by dcabler
Tue Aug 21, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5019

Re: Your major and investing/finance?

Engineering, Electrical

Math, Math and more math... I only wish I had turned my attention to the details sooner - was too busy creating a career. Fortunately I didn't do anything too stupid before I started paying closer attention and I might have even gotten lucky given the timeframe... :D
by dcabler
Tue Aug 21, 2018 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else seen huge rise in TX insurance costs?
Replies: 27
Views: 1878

Re: Anyone else seen huge rise in TX insurance costs?

Austin, TX - I really haven't seen any jumps at all. I'm expecting one on auto insurance towards the end of the year, but that's because my teenage daughter will have a license. Have mercy! :D
by dcabler
Mon Aug 20, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets in Bear Territory
Replies: 65
Views: 8827

Re: Emerging Markets in Bear Territory

drk wrote:
Thu Jun 28, 2018 8:49 pm
niceguy7376 wrote:
Thu Jun 28, 2018 12:43 pm
What are some fund names at VG and Fido for this EM?
At Vanguard, it's FTSE Emerging Markets. At Fidelity, it's iShares Core MSCI Emerging Markets ETF. Note that the latter includes South Korea as an emerging market.
FPMAX is also available at Fido. e/r 0.08%
by dcabler
Fri Aug 17, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1043
Views: 79657

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Based on this thread, have I changed my mind?
No - and not the last bazillion times this same subject came up.
Nor when the numerous times the subject of tilting came up
Nor when the numerous times the subject of factors came up
Etc....

:D
by dcabler
Fri Aug 17, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt - value vs. growth
Replies: 25
Views: 1802

Re: Small cap tilt - value vs. growth

Being a topic that comes up all the time here, I wonder if this thread will go as many pages as the current "international stock is a disaster" thread. Maybe it's time to bring up factors again. :D
by dcabler
Wed Aug 15, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3569

Re: Cleaning gas grill

Wow, I am shocked at how many people in challenging environments leave their weber coverless. I am also sad that I paid for a cover now. I hate putting that thing on, so this is welcome news that genesis is about to go topless. One reason I ended up using a cover was after reading some other forums...
by dcabler
Tue Aug 14, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3569

Re: Cleaning gas grill

I use a wooden scrapper I got at Costco to clean the grates after the grill has heated up. Once every two years I will take the grill apart entirely and clean out grease using degreaser and steel wool. Grills don't take a whole lot of maintenance in my opinion. The most important thing has been cov...
by dcabler
Mon Aug 13, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6751

Re: Paper checks yes or no?

99% of what we pay is either autopay (pull), sent electronically or via bank draft (push), or paid directly at the vendor. Even with all of that, we still have a few places where we still need to write a check. Fortunately, there are some pretty cheap sources to buy them (like Costco) and even some ...
by dcabler
Mon Aug 13, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2535

Re: What's the reason you would buy reading glasses at...

I have progressive lenses, but I mainly use them for reading when I'm out and about and I'm wearing glasses anyway. The field of view is too narrow for my liking for regular reading. For that, I have reading glasses I've purchased from Costco in a 3 pack - helpful because I tend to leave them lying ...
by dcabler
Mon Aug 13, 2018 11:26 am
Forum: Investing - Theory, News & General
Topic: Importance of sequence of real returns for SWR, CAPE valuation, and Luck
Replies: 95
Views: 4265

Re: Importance of sequence of real returns for SWR, CAPE valuation, and Luck

But, as I understand it, this doesn't change the floor for a SWR rate from his previous studies. A .77 correlation is not something I would take to the bank. What if you work 10 more years and valuations are still high? By then you'd have saved for 10 more years and would be 10 years closer to deat...
by dcabler
Mon Aug 13, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3569

Re: Cleaning gas grill

Your original post made me think you're concerned about how it looks and not just how to clean the grate. I also have a gas (natural gas) weber. Main thing I do is once or twice a season is to start with a plastic paint scraper and scrape the grease off of the flavorizer bars. Then take them out and...
by dcabler
Fri Aug 10, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7681

Re: Rude response from boss re: market adjustment

I'm actually surprised that the HR department put this on you, unless it was a personal request for you. But you said it was for the department. The way this works in company's where I've been employed is: 1. Make a request to HR to do a market survey. 2. HR goes to management with the request and i...
by dcabler
Fri Aug 10, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2219

Re: Do Airlines measure checked baggages?

I travel a lot for work. It's yes on weight as you generally sit it on scales during check in. On dimensions I've never seen it. Bags generally come in standard dimensions and I'm sure the person doing check in could easily spot something grossly different than that. Just be aware that if you "get a...
by dcabler
Fri Aug 10, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: which bond fund in taxable?
Replies: 4
Views: 586

Re: which bond fund in taxable?

I understand that sometimes your mix of tax advantaged dollars and taxable dollars aren't such that you can 100% place assets in places to take full advantage of tax efficiency while meeting your desired AA. If that's the case, then you probably haven't much choice but to use some sort of tax-exempt...
by dcabler
Thu Aug 09, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Have you rebalanced to bonds this year?
Replies: 25
Views: 2269

Re: Have you rebalanced to bonds this year?

Not yet, still well inside my bands...
by dcabler
Thu Aug 09, 2018 7:31 am
Forum: Personal Finance (Not Investing)
Topic: "Why are you leaving your current job?"
Replies: 24
Views: 2393

Re: "Why are you leaving your current job?"

Never be negative in an interview. Always be positive in your answer. If you have been with the company 5+ years, no one is going to see you as a job hopper or a trouble maker.. If you get asked that question, I would just say something to the effect of : "I am looking for new challenges, and new f...
by dcabler
Wed Aug 08, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15365

Re: Will you pay for your kids' college/graduate education?

We bought a contract from the Texas Tomorrow Fund when our daughter was a year old. Will cover 100% in-state tuition at any public university in TX and a good portion if she goes to a private school or out of state. We'll foot the rest. Contract covers approximately 5 years in tuition fees, so some ...
by dcabler
Tue Aug 07, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 13683

Re: "Age in Bonds" fails almost everyone

"Own your age in bonds" is repeated so often as conventional wisdom that I'm not sure many investors stop and appreciate just how bad this piece of advice is. I decided that one way to evaluate this "rule of thumb" would be compare it to expert asset allocation models from three top-rated target da...
by dcabler
Tue Aug 07, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: How to Respond to a "Proposed Amount Due" Notice From IRS
Replies: 15
Views: 1926

Re: How to Respond to a "Proposed Amount Due" Notice From IRS

Wouldn't your accountant be the starting point for this?
by dcabler
Tue Aug 07, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: Where to Hold TIPS?
Replies: 20
Views: 1697

Re: Where to Hold TIPS?

ebrasmus21 wrote:
Mon Aug 06, 2018 9:27 pm
Anyone hold TIPS in HSA?
Yes.
by dcabler
Mon Aug 06, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on way: life insurance Qs
Replies: 27
Views: 1486

Re: Baby on way: life insurance Qs

I've always had a free policy through work, which I ignore since employment can change at any time. When our kid was born, we bought a group life policy through a professional association that I am a member of. We had our kid later in life, so we already had reasonable assets, but we purchased enou...
by dcabler
Mon Aug 06, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Baby on way: life insurance Qs
Replies: 27
Views: 1486

Re: Baby on way: life insurance Qs

I've always had a free policy through work, which I ignore since employment can change at any time. When our kid was born, we bought a group life policy through a professional association that I am a member of. We had our kid later in life, so we already had reasonable assets, but we purchased enoug...
by dcabler
Mon Aug 06, 2018 7:15 am
Forum: Investing - Theory, News & General
Topic: Treasury Bonds are the Only Bonds You Need
Replies: 188
Views: 19868

Re: Treasury Bonds are the Only Bonds You Need

I happen to agree with the conclusion (treasuries are the only bonds you need) because investors can easily replicate the 2nd, 3rd, and 4th components by just holding the stocks themselves. Pretty much where I landed for the reasons stated above. These discussions are always interesting as there is...
by dcabler
Mon Aug 06, 2018 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Help with rebalancing
Replies: 10
Views: 906

Re: Help with rebalancing

Hi everyone, I am trying to rebalance to my target allocation. But, I am having trouble figuring out how to do it. However, let me first give you some background. I started with a plan to sort of closely follow Rick Ferri’s core four portfolio and modified that slightly according to my risk appetit...
by dcabler
Mon Aug 06, 2018 6:53 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you become a Boglehead?
Replies: 53
Views: 3725

Re: How did you become a Boglehead?

A gradual process at first. Graduated college and started work in 1984. - a few years later, opened up a schwab account and bought stocks. Tried "dogs of the dow" after reading Motley Fools... - shortly after, friends introduced me to the concept of "mutual funds". No internet yet, so had to acquire...
by dcabler
Thu Aug 02, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5514

Re: ACT test - got 34, try for 36?

Have the student take the SAT instead, if there is any chance (s)he will go to a college near one of the coasts. Colleges in the mid-west typically prefer the ACT, but colleges near the Atlantic or Pacific prefer the SAT. This is NOT True! Colleges do not have a preference. Agree. We are currently ...