Bogleheads.org

carofe

Literal cash in envelopes seems old fashioned and low tech but it is easy and it does tell you when you are out of money and after moving money between envelopes for a few months you know where it is going. This. If tracking is a problem, nothing like the envelope system for budgeting, no tracking ...

carofe

I'm most likely to stick to the plan with SP500 or Total Stock Market than with slice and dice to tilt to small value and see it underperform for long periods of time. I already tried it and I found it too complex to put my trust in it. I think being able to stick to the plan and low cost, low fund ...

carofe

I won't be able to make it after all this Thrusday. I have a family event going on. But please keep me in the loop. I would like to attend future events. Thanks.

carofe

I see that the front page is pretty much a copy of the craigslist design. I suggest some modification: * Something to visually aid the user in distinguishing better between posts items, e.g. a fine gray line between posts items + more spacing between them. * Tiny bit larger font size to fill out mor...

carofe

Also, take into account that the Efficient Frontier is "over this period". The EF graph can change depending on the period. In fact, there have been cases where the "recommended" allocation according to EF didn't go that well in the following period. Jack Bogle has a good analysis about EF in his Co...

carofe

Over the long term, the return of the US and International has been sort of the same but international has more volatility because of currency. It means long periods of underperformance and long periods of outperformance. If the return is similar, why adding the currency risk? The analogy with the M...

carofe

Thursday it is a little bit harder for me because of work and coming from Tucson, but I’ll definitely try to go.

carofe

Hi guys! Looking for thoughts on the following asset allocation? Dave Ramsey recommends staying aggressive not just when young but even through retirement. His split is an even 25% for Growth and Income, Growth, Aggressive Growth, and International. I've heard this described as Large, Mid, Small, I...

carofe

Hi guys! Looking for thoughts on the following asset allocation? Dave Ramsey recommends staying aggressive not just when young but even through retirement. His split is an even 25% for Growth and Income, Growth, Aggressive Growth, and International. I've heard this described as Large, Mid, Small, I...

carofe

Interesting article, however, there is always going to be people wanting "more", or afraid of "extremely simple" ideas. There is always going to be people wanting to risk it with active management or at least mix index funds with active funds because they think all index is too radical. The "if ever...

carofe

In worst case scenario, of economic disasters, or totalitarian/authoritarian gov't taking over, or war; if you are lucky enough to not being killed in the process, what you usually get to keep is the house you live in. Even, in communist regimes, they take away all your investments, businesses, and...

carofe

In worst case scenario, of economic disasters, or totalitarian/authoritarian gov't taking over, or war; if you are lucky enough to not being killed in the process, what you usually get to keep is the house you live in. Even, in communist regimes, they take away all your investments, businesses, and ...

carofe

Humans go free enterprise and investing because we have a reasonable expectation that your enterprise will succeeds, that is, optimism founded on the good understanding of what you are getting into and probability of winning. If you are starting an enterprise (or investing and letting somebody else ...

carofe

I live in Tucson, I can meet in Phoenix

carofe

A successful index fund investor goes through four phases: 1) Darkness - takes advice from everyone; 2) Enlightenment - realizes a market return is superior to their return; 3) Complexity - overdoing everything to find optimal; 4) Simplicity - invests in a few total market funds Dear OP, You’re in ...

carofe

Me too.

carofe

https://www.bogleheads.org/wiki/Historical_and_expected_returns Beginner here trying to figure out how much I need for retirement and I'm confused. Historical real returns are something like 7% on equities and 2.5% on bonds and yet everybody seems to expect closer to 2-4% real on equities and 0-2% ...

carofe

I read recently in the WSJ that people were overdoing it when purchasing houses with at least 10% of them going over 45% debt-to-income ratio. Living on the edge with the mortgage. Now I got today in the Moneybeat magazine that the oil price is going up, expecting a $80 a barrel by the end of the ye...

carofe

People are taking on more investment risk to compensate for their lack of savings, which is not prudent. The brutal reality is that people need to save and contribute more to their investment portfolios. 60/40 is a reasonable and rational fixed, long term allocation, balancing risk and reward, desp...

carofe

After reading this article I decided to put all my accounts at Vanguard on Personal Capital to detect anomalies on this third party tool.

carofe

midareff wrote: ↑
Tue Mar 20, 2018 6:39 pm
I'd do a Warren and get ready to get greedy.

^ This

carofe

Some wise man regarding marriage and money usually says that you shouldn’t buy a house until after two years of marriage, at least.
I don’t think you guys are ready to buy a house yet.

carofe

Hi LTann,
Welcome to the forum. The Index Fund is successfully tracking the underlying index, so there must be an explanation for the Unobservable Inputs. I'm curious what that means too.

carofe

Teague wrote: ↑
Sun Mar 11, 2018 9:41 am
This envelope was sent from the future.

That man who looks vaguely familiar? It's you!

This answer just made my morning, LOL

carofe

I wonder how much of the studies that suggest people pay more when paying with credit are correlation, not causation. For example, I rarely carry more than $20. If I go to the grocery store and buy 1 simple thing, I pay cash since I have it on me. If I buy a week's worth of food I pay with a credit...

carofe

People would need to be pretty stupid not to figure out the study. My recollection of the study I looked at was it wasn't even natural. It was artifical purchase scenarios. Yeah, I read the study too. It was all artificial purchase scenarios. I also read some studies done in Australia and they didn...

carofe

... and then you have the security experts telling you that the best way to avoid Identity Theft on tax filing is by filing as early as you can.

carofe

...Whether this is "just a correction" or whatever it is, a level of comfort has returned finally seeing some volatility... Granted we have seen an actual fall of 10% off the highs, but this volatility, especially in the intra-day and overnight makes me wonder how much of it might be explained by f...

carofe

I have been watching that website for a while. Too High P/E tells me that it may be good to do small tactical allocation. 4 months ago I increase my bond allocation +10%, and I'm re-balancing every time my stock allocation drift is 2-3%. High Shiller P/E just tells me that the next decade total retu...

carofe

This is a good reading about this the topic of home invasion and security:

http://www.nononsenseselfdefense.com/HomeInvasion.htm

carofe

Very nice reading, eye opening. Thanks.

carofe

fantasytensai wrote: ↑
Fri Dec 08, 2017 4:47 pm
Thought this article was intriguing until it got political. Immediately lost all appetite for information.

Yup, and I see lots of complicated "smart" sentences and over-simplification of the cause of wealth or shocks.

carofe

It reminded me something that I heard once: most credit card debts in USA are coming from Car Repairs and Hospital Bills.

carofe

Hmm, I'm only 35, and 5 years ago I had like six funds, now I only have two. I have learned to really appreciate and listen to Mr Bogle wisdom and thrive with simplicity. Simplicity helps to keep focus and contributes to the success of your financial plans in all seasons.

carofe

Someone mentioned Malwarebytes. Did any of you recently have a problem with it? I liked it and used it for years. But last week it asked me to download an update, and then it erased itself. After it rebooted it tried to do the same thing again, so I looked, and yes, it was gone from my installed pr...

carofe

PFInterest wrote: ↑
Tue Oct 24, 2017 9:39 pm
has anyone read this thread from start to finish?

Lol I hope not

carofe

I wonder if the correction we all have been waiting to happen already happened in 2015 but much more smoother than we expected.

carofe

no need for a shaving brush made from extinct or endangered animals! Pretty much all the badger hair we get in the brushes nowadays is coming from China, where badger are almost in "plague" levels. Farmers are allowed there to hunt them. However, most of the hair production comes from farmed badger...

carofe

I have been using Dashlane for a year now. It works great on all devices. It encrypts everything locally, their servers only have the encrypted version of my passwords. I used to use KeePass but I wanted to use a Password Manager with good support, easy to use and intuitive so I could get my wife to...

carofe

Being in the hospital several times for the last two years, my recommendation is that you request to the hospital that you want to be seen by in-network providers only. Sometimes the hospital assign to you an out-of-network provider without your knowledge and you may end up with pretty big bills. Th...

carofe

In fact, in the business world they call it the "Gillette razor and blades model", "Give 'em the razor; sell 'em the blades". Actually, the safety razor and blade business was the source of this aphorism. Gillette sold the razors at a loss to get people started with his at the time new fangled blad...

carofe

It also depends a lot on how frequently you shave and the kind of beard you have. So really when you see that a blade lasts somebody that long you can’t really compare to yourself and think you will be able to get the same result. I have a Southern European beard, very thick. The blades won’t last a...

carofe

I wouldn't definitely tell my kids to go 100% stocks, ever. I would tell them to go 70/30 or even 60/40 until they are more knowledgable and they experience their first drop in the market. Then, and after then, I would recommend them to adjust to their needs. I can't count how many people around me ...

carofe

Just read an article over at Art of Manliness http://www.artofmanliness.com/2008/01/04/how-to-shave-like-your-grandpa/ and decided to take the plunge. I was mostly moved by the cost effectiveness of spending pennies per blade. The mach 3 and replacement cartriges were too much of a luxury. I used t...

carofe

Silk McCue wrote: ↑
Sat Oct 21, 2017 7:54 pm
The link only displays the first page on my iPad. On my windows PC it actually downloads the document and I can then open it and find all the pages.

Yup, that was what happened. My iPad only displayed the first page. On my Mac laptop I can download the whole article.

Thank you all.

carofe

Taylor Larimore wrote: ↑
Sat Oct 21, 2017 7:25 pm
carofe:

Here is the link. It is a wonderful article!

http://web.archive.org/web/200612140619 ... in6040.pdf

Best wishes.
Taylor

Taylor thank you for the link. Unfortunately, that link only has the first page of the article.

carofe

Hi,
All links I find in this forum and in google to the web archive version of the article has only the first page of the pdf. I wonder if somebody has a full copy of the article in their computer and wouldn’t mind sharing it

. I would love to read it. Thank you.

carofe

You may not need bonds, but wouldn't you want them after reviewing ##3 and 5 here: http://www.schwab.com/public/schwab/investing/why_choose_schwab/investing_principles ? That’s another excellent point. A balanced portfolio can perform better overall than all stock portfolio in a given period that w...

carofe

Mr. Market, please, please, crash!! We are all being waiting for it, talking about it, anxious about it, gambling about the date, creating thread about it every other day. Crash!!

carofe

Liquidity in the bad times. Having Cash in the bad times has two benefits: it keeps your food on the table, and it gives you the opportunity of your lifetime to buy assets (stock, real estate) at a extremely low price.

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