Search found 326 matches

by RunningRad
Sun Aug 09, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: Anyone abandoning trend following and/or dual momentum approaches?
Replies: 89
Views: 6272

Re: Anyone abandoning trend following and/or dual momentum approaches?

I was following Dual Momentum until March 2019 as laid out by Antonacci. Then December 2018 happened and it was awful. I went into the month long SPY. Got a smackdown. Moved into Bonds per the January 1, 2019 signal and missed the recovery. I was done. I'm really glad I abandoned DM because in 2020...
by RunningRad
Wed Apr 22, 2020 2:31 pm
Forum: Investing - Theory, News & General
Topic: Norwegian Cruise Lines up 42% today
Replies: 22
Views: 3331

Re: Norwegian Cruise Lines up 42% today

I cannot imagine ever investing in NCL anymore than I can imagine stepping foot on one of their ships.

Both statements were true on 1/1/20, and they will be true 10 years for now (if NCL exists). Feel free to substitute Carnival Cruises for NCL.
by RunningRad
Wed Apr 22, 2020 2:06 pm
Forum: Investing - Theory, News & General
Topic: whos' just about had it w/ SCV ?
Replies: 263
Views: 17422

Re: whos' just about had it w/ SCV ?

Just my 2 cents worth. I believe factor models derive conclusions that work beautifully in cost-free, long/short, no trading friction models going backwards from the date of a specific factor "discovery" but are unlikely to produce excess returns in modern professionally dominated markets...
by RunningRad
Wed Apr 22, 2020 10:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website Down?
Replies: 11
Views: 840

Re: Vanguard Website Down?

It's working via my iPad app.

Not working on my desktop.

Edit: Now working on desktop (12:03 Eastern time)
by RunningRad
Wed Jun 01, 2016 7:58 am
Forum: Personal Finance (Not Investing)
Topic: On the verge of pulling the trigger on early retirement but...
Replies: 16
Views: 4253

Re: On the verge of pulling the trigger on early retirement but...

Thank you for all of the thoughtful and excellent replies and perspectives... Perhaps I did not articulate this clearly, but the plan would be to give up the "day job" and do part time/consulting work. Between it, and my wife's job, we will not need to make any major lifestyle changes, at ...
by RunningRad
Mon May 30, 2016 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Private school? Any regrets?
Replies: 92
Views: 15620

Re: Private school? Any regrets?

We live in a 9/10 district, and we intentionally moved a block and a half from a 10 elementary school soon after my son was born. Despite this, we recognized early that my son needed some extra support with his mild learning disability. He has thrived in a private school, from K-12, and we have no r...
by RunningRad
Mon May 30, 2016 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: On the verge of pulling the trigger on early retirement but...
Replies: 16
Views: 4253

On the verge of pulling the trigger on early retirement but...

I am very close to pulling the early retirement trigger. I am in my early 50's with a nest egg of slightly north of $5M, a paid off house (no debt whatsoever), an additional $500k set aside for the education of two teenagers, a wife that earns about $250-350k/year (average, varies based on bonus and...
by RunningRad
Wed Sep 30, 2015 11:12 am
Forum: Investing - Theory, News & General
Topic: FINRA Alert: Smart Beta
Replies: 20
Views: 2559

Re: FINRA Alert: Smart Beta

"A little learning is a dangerous thing"--Alexander Pope
by RunningRad
Wed Aug 26, 2015 8:59 pm
Forum: Investing - Theory, News & General
Topic: Dual Momentum Investing
Replies: 255
Views: 57425

Re: Dual Momentum Investing

I have been following this strategy with great interest, and the backtesting results do look really good. After the stockmarket drawdown of the last week it looks like for most funds being tracked either total market or the S&P 500 has now dropped below the treasury yield with a 12 month lookba...
by RunningRad
Sun May 03, 2015 10:54 am
Forum: Investing - Theory, News & General
Topic: "Don't invest in something you don't understand."
Replies: 55
Views: 6122

Re: "Don't invest in something you don't understand."

There are many levels to this question and many depths to understanding. I do not understand the nitty gritty of GAAP, so should I not invest in public companies? I do not understand how to construct an Apple computer or iPhone, so should I avoid any investments in Apple? (Silly questions, I know) I...
by RunningRad
Sat Apr 25, 2015 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is the 1% Cost of Managing Money Worth It?
Replies: 53
Views: 9670

Re: Is the 1% Cost of Managing Money Worth It?

I was in such a relationship (it was at 0.8%). In year 1, the company did a lot of work, reviewed all of my financial documents, helped me discontinue superfluous insurance policies, reallocated my investments assets, worked on me with asset protection strategies, etc. In subsequent years, they offe...
by RunningRad
Sat Apr 25, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 6488

Re: MB vs Volvo vs. Other?

We recently were down to the same two models and chose the XC60 (front wheel drive T5). It came down to three things:
1. Price (
2. Image (my wife likes to keep a low profile to her work colleagues)
3. Previous positive experience with Volvo
by RunningRad
Thu Apr 09, 2015 10:21 pm
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 26660

Re: The $1 Million Goal: Source of Motivation or Discouragem

Fascinating thread. When I was younger, I viewed $1M as a goal, and the goal posts keep moving back, in a good way. I do agree with those who advise to work backward from how much you need to cover your nut (multiply by 25 or 33.3 or whatever factor you can live with). Remember, the historical lesso...
by RunningRad
Thu Apr 09, 2015 8:21 am
Forum: Investing - Theory, News & General
Topic: My first quarter review of 2015's sure things
Replies: 12
Views: 3803

Re: My first quarter review of 2015's sure things

Welcome back, Larry. I enjoyed the column, and more generally, the etf.com series.
by RunningRad
Sat Apr 04, 2015 9:38 am
Forum: Personal Consumer Issues
Topic: Help/advice with Europe trip (France+/-Greece)
Replies: 22
Views: 2496

Re: Help/advice with Europe trip (France+/-Greece)

I have been to Greek Islands (1994) and Paris (2013), and if I could return to one, it would be Paris. I would love to spend a month there (preferably off-peak), seeing the city, revisiting some of the sights (but NOT the Eiffel Tower :twisted: ) and taking numerous day trips. Greece was somewhat di...
by RunningRad
Fri Apr 03, 2015 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: HSA account location [Looking for provider]
Replies: 2
Views: 517

Re: HSA account location [Looking for provider]

We recently moved our plan to Health Savings Administrators (http://healthsavings.com/) in large part because of the many Vanguard fund options (22) and are so far pleased with the selection, cost, and web interface.
by RunningRad
Fri Apr 03, 2015 9:34 am
Forum: Personal Consumer Issues
Topic: IRS Identity Theft Tax Fraud
Replies: 47
Views: 15061

Re: IRS Identity Theft Tax Fraud

I agree that the Congress must direct the IRS to stop issuing returns until they are cross-checked. I disagree that cross-checking is a simple matter. I agree that it is not simple, but perhaps the fact that the fraudulent return did not have W-2s from my wife's employer of the last ten years, my e...
by RunningRad
Fri Apr 03, 2015 8:16 am
Forum: Personal Consumer Issues
Topic: IRS Identity Theft Tax Fraud
Replies: 47
Views: 15061

Re: IRS Identity Theft Tax Fraud

Welcome to the club. I too had the same problem this year. Id love to know how much the fraud folks got bc i paid a lot in taxes last year. Im sure you know this but just in case, you are supposed to fill out a affidavit form and submit your taxes in writing (i assume your accountant is on that). F...
by RunningRad
Thu Apr 02, 2015 9:53 pm
Forum: Personal Consumer Issues
Topic: IRS Identity Theft Tax Fraud
Replies: 47
Views: 15061

IRS Identity Theft Tax Fraud

After hearing about friends, relatives, and colleagues getting stung, this year was our turn. I am guessing it is as a result of the Anthem hacking, but my accountant called me today to inform me that my electronic tax filing was rejected because my tax return had (allegedly) already been filed. Ugh...
by RunningRad
Mon Mar 30, 2015 2:08 pm
Forum: Investing - Theory, News & General
Topic: I Bonds - now or later in the year?
Replies: 44
Views: 17054

Re: IBonds - now or later in the year?

J295 wrote:My suggestion is to purchase on a regular schedule and refrain from guessing on the "best time."
That's my approach.
by RunningRad
Wed Mar 04, 2015 4:17 pm
Forum: Investing - Theory, News & General
Topic: Blooom.com
Replies: 3
Views: 1134

Re: Blooom.com

Nooo, I have never heard ooof it. :oops:
by RunningRad
Wed Mar 04, 2015 3:06 pm
Forum: Investing - Theory, News & General
Topic: How is your Betterment Account performing?
Replies: 17
Views: 6822

Re: How is your Betterment Account performing?

I have a small Betterment account that I DCA into twice monthly, with a 70:30 allocation. It is doing exactly what it is supposed to be doing.
by RunningRad
Tue Mar 03, 2015 7:18 am
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 9938

Re: Taylor Larimore Honored

Congrats, Taylor!
by RunningRad
Mon Mar 02, 2015 10:57 pm
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 59
Views: 8500

Re: Can I afford it?

My old man used to say that if you have to ask, you cannot afford it. Though slightly out of context here, I think it still applies.

I have owned expensive cars, when I could not afford them, and inexpensive cars, and I rather enjoy the latter more than the former. As they say, YMMV.
by RunningRad
Mon Mar 02, 2015 10:53 pm
Forum: Personal Consumer Issues
Topic: Paris France help/suggestions for women
Replies: 22
Views: 2540

Re: Paris France help/suggestions for women

Add Montmartre to the list of high pick pocket risk sites. I kept my hands in my pockets the entire time there.

Also, Notre Dame and really anywhere where there is a high density of people.
by RunningRad
Mon Mar 02, 2015 4:01 pm
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 47
Views: 9741

Re: Favorite Vacation/Trip

I have enjoyed vacations or all kinds, but I think my favorite recommendation is to combine different locales and activities, executed flawlessly with the family in the summer of 2012, visiting Mt. Rainier, the Oregon Coast, and Seattle and providing an excellent national park/mountain, beach, and b...
by RunningRad
Mon Mar 02, 2015 3:48 pm
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 14665

Re: Who's going to Disney this summer?

As a college student and young adult living in Florida, I did six or eight visits and again another five Disney trips with my young family from 2002 through 2012 and do not expect to return. We owned a Disney Vacation Club membership, so we stayed on campus with premium accommodations, transportatio...
by RunningRad
Mon Mar 02, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Father in law possible elder scam victim?
Replies: 30
Views: 2956

Re: Father in law possible elder scam victim?

My father (then 80, now 83) was scammed for $25k in some specious medical durable goods business. He was offered an opportunity to invest because of a referral from a wealthy friend who invested ($100k). He was promised a ridiculous rate of return and probably let his guard down because his friend h...
by RunningRad
Sun Mar 01, 2015 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 414
Views: 39588

Re: Do you consider mortgage payments as savings?

I have not read all of the responses. That sort of statement sounds like someone in the real estate or mortgage business might say to convince you to bite off more than you are comfortable. No bones about it, a house is an asset that if you are lucky will keep up with inflation. A mortgage is an alb...
by RunningRad
Sun Mar 01, 2015 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever voluntarily downsized their job?
Replies: 32
Views: 5391

Re: Has anyone ever voluntarily downsized their job?

I am expecting to do so in the next couple of years. I was hoping to do so as early as this fall. I am in the same field as "am" though a little further along in age (49) and the other metrics. I plan to retire from the radiology gig in the next three years. I would like to go part time to...
by RunningRad
Sun Mar 01, 2015 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 76
Views: 15973

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

Terrible news! :(

His work influenced me greatly at a critical time in my life.

RIP
by RunningRad
Tue Feb 24, 2015 3:48 pm
Forum: Investing - Theory, News & General
Topic: How do you invest in Frontier Markets?
Replies: 51
Views: 4450

Re: How do you invest in Frontier Markets?

I spent a lot of time thinking about this issue and in the end, I have decided to pass. Intellectually, it would seem to make some sense that investing in the Frontier Markets should offer greater return potential than developed or traditional emerging markets. However, the risk should also be highe...
by RunningRad
Tue Feb 24, 2015 3:08 pm
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 104
Views: 16278

Re: Buy and Hold Forever Stocks

Forever is a very long time. In 1900, the Dow Stocks were: American Cotton Oil Federal Steel * Peoples Gas American Steel & Wire * General Electric Company * Tennessee Coal, Iron and Railroad American Sugar National Lead U.S. Leather (Preferred) Continental Tobacco * Pacific Mail Steamship U.S. ...
by RunningRad
Mon Feb 23, 2015 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Spending trajectory for families with kids?
Replies: 45
Views: 9247

Re: Spending trajectory for families with kids?

It really depends a lot on your world view and how your kids fit within it. From my personal experience, children cost considerably more than I would have guessed and the amount spent grows over time, well in excess of the projections that were mentioned on this thread.
by RunningRad
Mon Feb 23, 2015 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 24041

Re: What age do you guys plan to retire?

It is my impression that there are some people on this thread, who are very early in their work and personal lives, that vastly underestimate the expense of living over time and overestimate the likely returns on investments. Again, just my opinion.... You're probably right, but this forum is full ...
by RunningRad
Mon Feb 23, 2015 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 24041

Re: What age do you guys plan to retire?

It is my impression that there are some people on this thread, who are very early in their work and personal lives, that vastly underestimate the expense of living over time and overestimate the likely returns on investments. Again, just my opinion....
by RunningRad
Mon Feb 23, 2015 1:01 pm
Forum: Investing - Theory, News & General
Topic: Value investing doesn't even beat the S&P 500
Replies: 56
Views: 9547

Re: Value investing doesn't even beat the S&P 500

Most people who invest in the S&P 500 fail to come close to matching the performance of the S&P 500, for similar reasons, so it is not the least bit surprising that that investors in XYZXX also fail to match/beat the S&P 500.
by RunningRad
Sun Feb 22, 2015 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 24041

Re: What age do you guys plan to retire?

I am 49.

Career 1.0 will end on or before 12/31/2017
Career 2.0 will begin after Career 1.0 ends.

Seeing the light at the end of the tunnel is indeed glorious. :happy
by RunningRad
Sat Feb 21, 2015 4:12 pm
Forum: Investing - Theory, News & General
Topic: Dual Momentum Investing
Replies: 255
Views: 57425

Re: Dual Momentum Investing

Hello, I have read the book in question and was highly persuaded by its arguments at first. But the more I look behind the curtain, the more issues I see. For more information, please read my detailed review of the book on Amazon. http://www.amazon.com/review/R1VH4QEKVTD8F9/ Don't hesitate to rate ...
by RunningRad
Sat Feb 21, 2015 10:58 am
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 92
Views: 25386

Re: why do some people like Fidelity?

Is the most service oriented brokerage company that I have ever dealt. 25 continuous years with them, and never had a bad experience. Hard to bit! I agree and going on 20 years! We have accounts at Fidelity and Vanguard. There is no emotional attachment to either one, simply tools to use and nothin...
by RunningRad
Fri Feb 20, 2015 4:17 pm
Forum: Investing - Theory, News & General
Topic: 20% of portfolio in High Yield Bonds?
Replies: 32
Views: 4366

Re: 20% of portfolio in High Yield Bonds?

I have never found the right place for high yield bonds in my portfolio, which is not to say that there is no potential role. That said, my recent investigation into dual momentum investing revealed that Antonacci has recently offered a fixed income strategy (linked below), that invests in high yiel...
by RunningRad
Fri Feb 20, 2015 8:59 am
Forum: Investing - Theory, News & General
Topic: Dual Momentum Investing
Replies: 255
Views: 57425

Re: Dual Momentum Investing

OP - what specifically do you find compelling about this approach? You appear to be 9 months in to the Boglehead philosophy - now a right turn. Just curious why this is so compelling relative to just doing a buy, hold, and rebalance portfolio. Just because I have only been posting on this forum for...
by RunningRad
Thu Feb 19, 2015 7:55 pm
Forum: Personal Investments
Topic: Investment Advice for Parents and Dependent
Replies: 8
Views: 911

Re: Investment Advice for Parents and Dependent

I think that there are a lot of different approaches to your family's situation. The one that you have proposed is reasonable. I would make sure that they are comfortable with you assisting them along these lines. Your grandmother, at this point in her life, is probably investing for the next genera...
by RunningRad
Thu Feb 19, 2015 5:07 pm
Forum: Investing - Theory, News & General
Topic: Dual Momentum Investing
Replies: 255
Views: 57425

Re: Dual Momentum Investing

...I was just hoping for some discussion, especially among people who read the book and more so again from those who read the book and made a personal decision to use or not use the strategy. I am planning to devote 10% of my self-directed workplace retirement plan to the dual momentum strategy, an...
by RunningRad
Wed Feb 18, 2015 5:55 pm
Forum: Personal Investments
Topic: 529 Math fun and slightly broader discussion
Replies: 13
Views: 2007

Re: 529 Math fun and slightly broader discussion

College funding with the 529 plan is a very tricky area. There are only two facts that we know with some degree of certainty when your children are born. 1. We know the ages of our children. 2. We know when we expect them to attend college, typically about 18 years or so after they are born. ;) Here...
by RunningRad
Wed Feb 18, 2015 5:37 pm
Forum: Personal Investments
Topic: 80% stock/20% bonds? Or 90% stock/10% bonds? (Age 28)
Replies: 90
Views: 11359

Re: 80% stock/20% bonds? Or 90% stock/10% bonds? (Age 28)

I've seen conflicting advice in various places. What determines the appropriate ratio? It is highly unlikely to matter. Those are unlikely to perform significantly differently from each other in a bull, in a bear, or over the long run. Worrying about little details like that isn't a very productive...