Search found 1449 matches

by randomizer
Mon Sep 24, 2018 2:48 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Factors Persist In Emerging Markets
Replies: 31
Views: 2008

Re: Larry Swedroe: Factors Persist In Emerging Markets

This is incorrect: "Factors Persist In Emerging Markets" This is correct: "Factors Have Persisted In Emerging Markets" This seems excessively pedantic, as the authors are clearly talking about what has happened up to now, and the title can be interpreted that way. But it's all too easy to interpret...
by randomizer
Mon Sep 24, 2018 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 82
Views: 6304

Re: Best way to get $100k cash

Sounds like you have a solid income stream given that you can pay off the $100k within a year, so that income stream sounds like the best way to get the cash. You could also take out a margin loan from a broker, but I wouldn't recommend it.
by randomizer
Mon Sep 24, 2018 4:33 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 7863

Re: Minimalist Lifestyle

How do you avoid this and what are your essential items that you would put in your suitcase? Could you live out of a suitcase if you had to? Would you even want to? I am a huge fan of minimalism but it is something to ease into over a number of years. I wouldn't go straight for the suitcase-lifesty...
by randomizer
Mon Sep 24, 2018 4:26 am
Forum: Investing - Theory, News & General
Topic: My CAPE10 based IPS
Replies: 49
Views: 2683

Re: My CAPE10 based IPS

This approach would be way too complicated for me, and I am skeptical that it would produce significantly better outcomes than a simple rebalancing policy to a fixed asset allocation, especially because the added complexity increases the possibility of making a mistake while carrying it all out. I w...
by randomizer
Mon Sep 24, 2018 4:23 am
Forum: Investing - Help with Personal Investments
Topic: Swiss Investor 3 Fund Portfolio
Replies: 6
Views: 484

Re: Swiss Investor 3 Fund Portfolio

Basically if capital gains is payable, you want Distribution funds (pay out all dividends and capital gains, periodically). Accumulation funds (the NAV of the fund increases so to realize capital you have to sell units) work in tax exempt accounts. (also Accumulation funds are a nightmare for capit...
by randomizer
Mon Sep 24, 2018 3:34 am
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 75
Views: 5090

Re: Emotional Investor - I'm a mess and need help!

A leopard cannot change its spots. Good luck trying though.

Having said that, increase savings rate if you want to optimize, but leave investments simple (three-fund portfolio, or maybe even one-fund).
by randomizer
Sun Sep 23, 2018 6:43 am
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11141

Re: Did you really have something to retire to?

Having been unemployed at times, I have had practice. I have also been self-employed and had good experiences reducing my work then to maintain higher leisure levels. I am looking forward to being retired for good. I have all manner of books, hobbies, projects, volunteering etc that I can pursue.
by randomizer
Sun Sep 23, 2018 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt
Replies: 86
Views: 5498

Re: Small cap tilt

I don't have a small cap tilt, or a small cap value tilt, because I place great value on simplicity. I can see though why you could want one; there are rational arguments for it for sure. I do have an EM tilt though, not because I wanted to place a "bet" but because that's just how it turned out. I ...
by randomizer
Sun Sep 23, 2018 5:40 am
Forum: Investing - Help with Personal Investments
Topic: Should we pay off $90K mortgage with idle cash or not?
Replies: 25
Views: 2704

Re: Should we pay off $90K mortgage with idle cash or not?

What is this "idle cash" thing of which you speak?
by randomizer
Sat Sep 22, 2018 2:38 am
Forum: Investing - Help with Personal Investments
Topic: HELOC as a bonds replacement for drawing down from in a downturn?
Replies: 36
Views: 2155

Re: HELOC as a bonds replacement for drawing down from in a downturn?

AlohaJoe wrote:
Thu Sep 20, 2018 12:02 am
I once did an analysis of using debt instead of selling equities during the late 1960s/1970s:

https://medium.com/@justusjp/using-a-ma ... 3ecd2f9bb9
Blog looks interesting (this and the other articles). Thanks for sharing.
by randomizer
Fri Sep 21, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 37
Views: 2977

Re: Simple-minded sayings?

libralibra wrote:
Thu Sep 20, 2018 11:45 am
I've noticed boglehead threads are full of aphorisms
It's so simple (one of its great strengths) that it lends itself well to sayings. Sometimes they get bandied about in a way that doesn't add much depth or insight to the conversation, but that doesn't mean the sayings aren't useful.
by randomizer
Fri Sep 21, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 Forward P/E ratio - Are stocks highly valued?
Replies: 58
Views: 3773

Re: S&P 500 Forward P/E ratio - Are stocks highly valued?

I sure hope they're not overvalued, mostly because I like a smooth ride. But either way, I am on this train for the duration; my investment horizon is very long.
by randomizer
Fri Sep 21, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Need iPhone case recommendations
Replies: 19
Views: 1065

Re: Need iPhone case recommendations

I'm not going to buy one of these, but I've always hated putting a beautiful thing in a case.
by randomizer
Fri Sep 21, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6705

Re: Don't trust Tripadvisor reviews

Ditto for Amazon reviews.
by randomizer
Fri Sep 21, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1579

Re: Thinking of selling my car

I sold my last car nearly 20 years ago and haven't looked back. Life without a car is just better. (Predicated on having access to good public transportation or short-term rentals when needed).
by randomizer
Fri Sep 21, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: Another Wifi extender thread
Replies: 35
Views: 2354

Re: Another Wifi extender thread

I'm too lazy for all this and I'm a sucker for Google products, so if I were going to try to improve the wifi at my place (about 1,000 sq ft) I'd just get a couple of Google WiFi units and fuggedaboutit.
by randomizer
Fri Sep 21, 2018 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond or Total Bond/short-term
Replies: 48
Views: 4686

Re: Total Bond or Total Bond/short-term

If you're in it for the short-term, then go short-term. But you probably are in it for the long-term, so just go with Total Bond. If you want to chase returns, do it on the equity side.
by randomizer
Fri Sep 21, 2018 5:33 am
Forum: Personal Consumer Issues
Topic: Recommend a To-do app please.
Replies: 26
Views: 1812

Re: Recommend a To-do app please.

Sounds like you want Todoist.
by randomizer
Thu Sep 20, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Best corporate long-term bond fund
Replies: 26
Views: 1987

Re: Best corporate long-term bond fund

Before anybody asks, I want something with high volatility because I'm going to spend it in EUR most likely, anyway And Long term government bonds may make your portfolio way too volatile if you overload in them. Can you explain this a bit? What does EUR have to do with volatility? And I didn't qui...
by randomizer
Thu Sep 20, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3469

Re: Bathroom and Basement Remodel Costs

Seems like a lot of money to me, but I've never done a remodel.
by randomizer
Thu Sep 20, 2018 4:20 am
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 4541

Re: Dilemma: Add room to current house or buy new house?

Sounds like a case of keeping up with the Joneses. Be very careful, because it may never be enough.
by randomizer
Wed Sep 19, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Taking Over Management of $7M Portfolio - Need Review/Help Allocating
Replies: 50
Views: 3986

Re: Taking Over Management of $7M Portfolio - Need Review/Help Allocating

Any reason why one of the children isn't being asked to help? It seems decidedly odd to go straight to a grandchild — who is still apparently learning about investment — to suddenly managed a portfolio of $7M, which must be a well-into-the-99th-percentile portfolio. What about my post made you thin...
by randomizer
Wed Sep 19, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: How likely is it for a corporate bond rated BAA3/BBB to fail?
Replies: 16
Views: 1378

Re: How likely is it for a corporate bond rated BAA3/BBB to fail?

Chase yield on the equity side, not the bond side. If you get into corporate bonds in search of yield, you're unnecessarily increasing your risk because corporate bond correlation with equity with approach once when things hit the fan.
by randomizer
Wed Sep 19, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Taking Over Management of $7M Portfolio - Need Review/Help Allocating
Replies: 50
Views: 3986

Re: Taking Over Management of $7M Portfolio - Need Review/Help Allocating

Any reason why one of the children isn't being asked to help? It seems decidedly odd to go straight to a grandchild — who is still apparently learning about investment — to suddenly managed a portfolio of $7M, which must be a well-into-the-99th-percentile portfolio. What about my post made you thin...
by randomizer
Wed Sep 19, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 243
Views: 16667

Re: What is your single most expensive mistake?

Good lord. Too many of these to count... But probably the most expensive one was not starting to save until I was about 35.
by randomizer
Wed Sep 19, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Does this job exist (another want-to-quit-corporate-world thread)?
Replies: 35
Views: 3617

Re: Does this job exist (another want-to-quit-corporate-world thread)?

I think you've got the right idea. You could kill yourself trying to make it through the next 3-5 years, or you could survive but then realize that a life of leisure isn't all it's cracked up to be. Instead, switching to something that won't kill you and will provide you with a source of some income...
by randomizer
Wed Sep 19, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: Can predictions on currency depreciaction be any more accurate than those of the stock market?
Replies: 13
Views: 837

Re: Can predictions on currency depreciaction be any more accurate than those of the stock market?

Seems just as unpredictable to me. Even when you think something might happen, or is likely to happen, knowing when and how much it will happen is still not that far removed from a monkey throwing darts at a dartboard. Books like "Manias, Panics, and Crashes: A History of Financial Crises" make it c...
by randomizer
Wed Sep 19, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Taking Over Management of $7M Portfolio - Need Review/Help Allocating
Replies: 50
Views: 3986

Re: Taking Over Management of $7M Portfolio - Need Review/Help Allocating

Any reason why one of the children isn't being asked to help? It seems decidedly odd to go straight to a grandchild — who is still apparently learning about investment — to suddenly managed a portfolio of $7M, which must be a well-into-the-99th-percentile portfolio.
by randomizer
Tue Sep 18, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Portfolio/certain fund
Replies: 15
Views: 420

Re: Thoughts on Portfolio/certain fund

You would have some overlap among some of these funds which will make it harder to see what your real allocation is and where you are concentrated. If you like simplicity as you say you do, it is hard to beat the three-fund portfolio.
by randomizer
Sun Sep 16, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Should I sell my MacBook pro?
Replies: 18
Views: 1566

Re: Should I sell my MacBook pro?

I wouldn't sell it, but when it dies I wouldn't replace it. In my experience, having fewer things makes life better.
by randomizer
Sun Sep 16, 2018 5:24 am
Forum: Investing - Theory, News & General
Topic: Australian Superannuation Industry Wide Expenses
Replies: 7
Views: 612

Re: Australian Superannuation Industry Wide Expenses

Would be nice if there was a fiduciary concern here, but it looks more like vampires draining blood from their victims.
by randomizer
Sat Sep 15, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Developer Laptop
Replies: 26
Views: 1689

Re: Developer Laptop

typical.investor wrote:
Sat Sep 15, 2018 9:02 am
I‘d either go MacBook pro or maybe a Linux build by system76 or similar.
I would second this recommendation.
by randomizer
Sat Sep 15, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest money that you may need in 6 months to a year.
Replies: 17
Views: 1818

Re: How to invest money that you may need in 6 months to a year.

Treasuries held to maturity. No state taxes on those. No default risk. Easily bought via any brokerage.
by randomizer
Sat Sep 15, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: total bond return vs muni bond
Replies: 6
Views: 732

Re: total bond return vs muni bond

Credit risk premium?
by randomizer
Sat Sep 15, 2018 5:49 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Disrupted Expectations
Replies: 53
Views: 6087

Re: Larry Swedroe: Disrupted Expectations

Great article. Larry may or may not be right but he is consistently logical, well researched, and open to new data. The core message that you shouldn't assume that past performance predicts future performance is correct. The implication that optimistic planning is dangerous is worth repeating. I am ...
by randomizer
Sat Sep 15, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 62
Views: 6244

Re: Job burnout - Keep grinding or change?

Long way to go to 58. Doesn't seem sustainable. Something has to give. Either the job or making concessions like not paying for college, or at least, not all of it.
by randomizer
Sat Sep 15, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing? -- 32 y/o lawyer in Bay Area
Replies: 32
Views: 4304

Re: How am I doing? -- 32 y/o lawyer in Bay Area

With all that money add 32 I would have made some very poor decisions indeed. You've come to the right place. Good luck.
by randomizer
Fri Sep 14, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: What can you homegrown financial management spreadsheet do?
Replies: 21
Views: 1244

Re: What can you homegrown financial management spreadsheet do?

Rebalancing, net worth tracking, budgeting, tracking spending, projecting glide path, mortgage tracking, showing AA alternatives, calculating returns, tracking tax obligations/deductions etc and a few other things.
by randomizer
Fri Sep 14, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 142
Views: 10241

Re: Age in Bonds - Still Recommended?

It still gets recommended, but usually as a starting point for considering need, willingness and ability to take risk, and to introduce the idea of a guide path. Personally, I'm moving towards something like age-minus-20.
by randomizer
Fri Sep 14, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9296

Re: How real is cyber risk?

Seems pretty real to me. I'm trying not to lose sleep over it.
by randomizer
Fri Sep 14, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off 3.125% 152k mortgage early?
Replies: 37
Views: 3122

Re: Pay off 3.125% 152k mortgage early?

At 3.125% I'd be tempted (emotionally) to pay it off and get it off the balance sheet. But my head tells me that the optimal path is to pay it off as slowly as possible. Either way, I don't think it will make a huge difference to your retirement, so just do what feels right.
by randomizer
Thu Sep 13, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11124

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

I'm not FI yet, but I do feel burned out and stopped climbing a while back. Just coasting.
by randomizer
Thu Sep 13, 2018 3:26 am
Forum: Investing - Theory, News & General
Topic: CA Muni Bonds Recommendations
Replies: 5
Views: 536

Re: CA Muni Bonds Recommendations

Similar thread: Which Vanguard CA municipal bond fund?

I'd look at VCADX (Vanguard California Intermediate-Term Tax-Exempt Fund Admiral Shares). Also available as investor class shares, with a lower minimum but higher expense ratio: VCAIX.
by randomizer
Wed Sep 12, 2018 6:09 pm
Forum: Investing - Theory, News & General
Topic: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]
Replies: 45
Views: 4521

Re: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]

My main concern here would be what happens to you and your heirs if your mental faculties deteriorate (see other threads on how to communicate intent etc in case of death etc). But regardless of the simple-vs-complex debate, having a plan and sticking to it seems to be one of the most important thin...
by randomizer
Wed Sep 12, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: Why do we expect TSM to keep growing?
Replies: 73
Views: 7849

Re: Why do we expect TSM to keep growing?

The nutshell version: human endeavor - all the people working at publicly traded companies striving to make them (more) profitable. Unless we run out of food or go extinct, humans will find a way to profit.
by randomizer
Wed Sep 12, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 192
Views: 11937

Re: iPhone XS Max

Nope, nope and nope. The most un-Boglehead phone ever (until the next one comes out)...