Search found 342 matches

by snowshoes
Tue Mar 21, 2017 11:45 pm
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate Timing Problem
Replies: 20
Views: 2103

Re: Safe Withdrawal Rate Timing Problem

A 0%-4% VWR is certainly recognized and seems to come out on top again and again if one has their base costs covered.
by snowshoes
Tue Mar 21, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2977
Views: 918178

Re: What Book Are You Currently Reading? Part VI

The Education of a Speculator by Victor Niederhoffer
The Seven Laws of Money by Michael Phillips.
by snowshoes
Tue Mar 21, 2017 9:24 am
Forum: Investing - Theory, News & General
Topic: PortfolioVisualizer added inflation adjustment
Replies: 2
Views: 488

Re: PortfolioVisualizer added inflation adjustment

Sweet, thanks for all your efforts & input Nis!
by snowshoes
Mon Mar 20, 2017 8:38 pm
Forum: Investing - Theory, News & General
Topic: Harvard endowment beats S&P 500 by 2% a year over last 40 years
Replies: 50
Views: 7435

Re: Harvard no longer beats the market

Bogleheads: According to the Boston Globe, In recent years Harvard has significantly under-performed the U.S. total stock market. https://www.bostonglobe.com/business/2016/09/22/harvard-endowment-investment-return-drops-percent/e6Jj6GYxhpLOnpVH6kPI3L/story.html Best wishes. Taylor I read that somew...
by snowshoes
Sat Mar 18, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: Bogle Interview CNN - Sat.
Replies: 71
Views: 6588

Re: Bogle Interview CNN - Sat.

blueblock wrote:I very much enjoyed the interview. Thanks for posting.
:thumbsup me too. That guy, jack is a never before, probably never again type of individual.
by snowshoes
Sat Mar 18, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Cheapest dress shirt to wear under a sweater
Replies: 34
Views: 3070

Re: Cheapest dress shirt to wear under a sweater

If you've got the time for a treasure hunt you could browse local Goodwill stores. Inconsistent sizing but lot of variety. Getting stuff from Goodwill can help to avoid comments from co-workers such as "New shirt?". Ehh, thanks but I have to draw the line somewhere, I don't wear other people's used...
by snowshoes
Thu Mar 16, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 7560

Re: Suspicious organic products

I owned a produce stevedoring, handling, packing, re-packing, and delivery operation for over a decade, along with produce importation and a day labor operation. Things I've seen point to organics are marketing, only, (IMO) I cannot list all the nonsense (label-re-label) I've seen w/organics, other...
by snowshoes
Thu Mar 16, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 7560

Re: Suspicious organic products

^Are you saying that's just the tip of the iceberg? Let us know. Yes, appropriate joke too! To add to my point's above ALL banana's have to be gassed 6-48hrs to turn their deep dark green pre-sale transport color to what you see when they arrive in the stores. Apples sometimes have to be gassed als...
by snowshoes
Thu Mar 16, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 7560

Re: Suspicious organic products

I ran a produce stevedoring, handling, packing, re-packing, and delivery operation for close to 20yrs, along with day labor & produce importation. I cannot list all the nonsense (label-re-label) i've seen w/organics, other than the usual 100% mark up, particularly all that free money? I'm talking 10...
by snowshoes
Wed Mar 15, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 7019

Re: What to do with $100???

likegarden wrote:Your mother gave you the $100 to your 37th birthday. You should invite your mother to a very nice dinner with that $100. She deserves it!
I agree, take that for what its worth. Maybe a 100.00 "life coach" consult might help, I think thats what their called.
Good luck!
by snowshoes
Mon Mar 13, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to tackle fiancee's student loan debt
Replies: 33
Views: 3375

Re: How to tackle fiancee's student loan debt

RedClay wrote: What do you think about this plan? I'm open to any suggestions or criticism. Thank you for your help!
Your not even married yet. Remember a Pre-nup! I'd suggest re-reading roadhousefans reply, again.
by snowshoes
Fri Mar 10, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need small caps?
Replies: 37
Views: 4146

Re: Do I need small caps?

It's weird that people here are all like "investment adivsors suck- go read this book from an investement advisor!" I'm sure if you do the numbers and actually consider the dynamics between you, your advisor, and your money, you'll understand why junior. Numbers do not lie. As to SCTilt, it's a til...
by snowshoes
Thu Mar 09, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: My 74 year old parents and their LPL account
Replies: 8
Views: 1248

Re: My 74 year old parents and their LPL account

AFAIK, LPL Financial is a new implementation & operation of Susan Kaplans old BOS radio spot called "The Money Show". I'd suggest you research both her and LPL, I recall bad press. Its now a publicly traded family business of retirement focused sales support staff & RIAs selling load funds, no doubt...
by snowshoes
Wed Mar 08, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 987466

Re: What Movie Have You Recently Watched?

Unsealed Conspiracy Files 10 various TVDocumentaries on Netflix.
by snowshoes
Tue Mar 07, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Anyone use LPL financial?
Replies: 27
Views: 3783

Re: Anyone use LPL financial?

LPL Financial = Started by Susan Kaplan, financial saleswoman of notoriety in BOS originally. LPL Financial is now what Susan Kaplans "The Money Show" on BOS radio for about a decade or so, morphed into after they were sanctioned for something or other, I forget what, look it up. Its now a publicly ...
by snowshoes
Mon Mar 06, 2017 9:07 pm
Forum: Investing - Theory, News & General
Topic: Interesting interview with the head guy from Betterment
Replies: 19
Views: 3153

Re: Interesting interview with the head guy from Betterment

First, kudos to Becky! I actually saw that on TV. It's ending was cut' in the link provided above. She hammered him, he was stuttering, his voice had an uneasy erratic tone, and he seems to change the subject around numerous times where people that are familiar with financial jargon can decipher it,...
by snowshoes
Fri Mar 03, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: When & how much to donate?
Replies: 108
Views: 8954

Re: When & how much to donate?

Uhmm, you could live to 100, become disabled, or experience extraordinary inflation. Money however, is a unerversal language and a multifaceted tool with no expiration date. I'd exercise caution given it away @ 44. Good luck!
by snowshoes
Thu Mar 02, 2017 11:14 pm
Forum: Investing - Theory, News & General
Topic: How to 'deal' with large swings in withdrawals when using VPW?
Replies: 26
Views: 2457

Re: How to 'deal' with large swings in withdrawals when using VPW?

With new medicine people live to 100 regularly if they can afford it. I'd make sure the family appreciated what they received, not expected a fixed increase annually like .gov's inflations expectations. jmho
by snowshoes
Wed Mar 01, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: Allan Roth: "Why ETFs Won't Replace Mutual Funds"
Replies: 45
Views: 4551

Re: Allan Roth: "Why ETFs Won't Replace Mutual Funds"

The financial industry can only sell to us, what we as investors put up with, or better yet actively line up to buy. There are no more bucket shops(or the like), or purveyors of ETNs(absorbed by ETFs), and fewer closed end funds etc. too. I'd suspect ETFs are still being offered as the newest, lates...
by snowshoes
Tue Feb 21, 2017 8:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 23029

Re: Sad News About a Respected Forum Member

I saw Nisprius legacy post on the link above. It is indeed sad, I'd hoped there was a chance. Ol'meph's BH.org board input was always outstanding. Condolences & Best wishes
by snowshoes
Tue Feb 21, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: starting social security question
Replies: 5
Views: 749

Re: starting social security question

I've heard that some SS personnel automatically include retroactive payments for 6 months prior to your 70th BD, which results in a reduction in the max monthly benefit. This was a training issue that may have been resolved, but it may be something to specifically mention when you do file for benef...
by snowshoes
Tue Feb 21, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Household budget trim: next up is cell phone plan
Replies: 30
Views: 3790

Re: Household budget trim: next up is cell phone plan

BashDash wrote:Thanks for all the replies! How do we unlock our iPhone 4 and iPhone 6?
Minimally you need new simm cards from the service provider you select. Good luck!
by snowshoes
Tue Feb 21, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: best type boat for FL Keys - need help from conchs
Replies: 13
Views: 2562

Re: best type boat for FL Keys - need help from conchs

I'd suggest the impound lot on Overseas Hwy. @ MM54 in Marathon, alantic side, you'll see it.
by snowshoes
Sun Feb 19, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: US debt approaching $20 Trillion
Replies: 18
Views: 1711

Re: US debt approaching $20 Trillion

With US debt approaching $20T and other unfunded federal govt debt obligations around $100T - how will the next 15-25 year horizon affect stock market? I think with higher debt repayment obligations, the county will not have resources to invest in infrastructure and development - You cannot print m...
by snowshoes
Sat Feb 18, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Pre paid credit cards
Replies: 10
Views: 940

Re: Pre paid credit cards

badbreath wrote:Ok maybe I am answering my own question. Take the $500 out of the budget and invest use the prepaid credit card to make up budget
:thumbsup :happy
by snowshoes
Tue Feb 14, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 987466

Re: What Movie Have You Recently Watched?

Something Ventured : a Documentary about vc pursuits from the 50s to 80s directed by Dayne Goldfine, again.
by snowshoes
Fri Feb 10, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 20732

Re: Why do you go to restaurants?

Consider what your paying for @ restaurants, ALL its overhead. The food and its quality & costs on that list is near the bottom. I like to know what I'm eating, not last fridays fish special, the following friday as fish chowder. Good luck!
by snowshoes
Fri Feb 10, 2017 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with all this rollover money
Replies: 23
Views: 2031

Re: What to do with all this rollover money

I apologize of any misunderstandings and I fully respect everyone on this forum. I posted looking for insight and I listened to each of you and will reconsider some of my choices. I appreciate all your feedback and will take your experiences and wisdom to guide me into comfortable stability of futu...
by snowshoes
Thu Feb 09, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion about VGPMX for 2017 [Vanguard Precious Metals and Mining]
Replies: 44
Views: 3989

Re: Opinion about VGPMX for 2017

Considering everything posted above, additionally VGPMX hit a multi-decade low of $5.55ish, on 1/20s/16, add or plug-in your personal speculation metrics.
by snowshoes
Sat Feb 04, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 987466

Re: What Movie Have You Recently Watched?

The Gut: Our Second Brain : a non-fiction documentary on AMZN. The stomachs intelligence is a new avenue of research that is fascinating medical sciences research teams all over the world. ~ The Flaw : by D.Ariely & R.Frank directed by David Sington, another AMZN documentary w/a in-depth look at th...
by snowshoes
Tue Jan 31, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for Purchasing a House
Replies: 21
Views: 3034

Re: Strategy for Purchasing a House

Million dollar homes crack me up, their primarily purchased to impress other people.(imo) Depends on where you live. A two bedroom apartment that cost $1,000,000 around here would only impress anyone because of how cheap it is. You too eeh? Thats what the market might dictate "today", might not be ...
by snowshoes
Mon Jan 30, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for Purchasing a House
Replies: 21
Views: 3034

Re: Strategy for Purchasing a House

Million dollar homes crack me up, their primarily purchased to impress other people.(imo) My thinking has always had me buy the cheapest accommodating R.E in the zip code I was researching R.E, everything else has worked out well if you're a capable handy man. A friends x-wife kept each of her 4 oth...
by snowshoes
Sat Jan 28, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 987466

Re: What Movie Have You Recently Watched?

End of the Road: How Money Became Worthless By XIVETV, A documentary everyone interested in this title should watch at least once on IMDb & AMZNprime. I decided to watch this the other day....is it real or sensationalism? should I run out, dump my other assets and buy gold now? (half serious, half ...
by snowshoes
Wed Jan 25, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard not answering the phone
Replies: 31
Views: 4410

Re: Why is Vanguard not answering the phone

I have tried 3 times today to get a Vanguard representative but I`m on hold and no one answers the phone. I just tried again 6:05 pm est. and still no one answers the phone. The market closed at 4 pm est. Does anyone know what`s going on ? Sounds like its busy eeh? DOW 20k and all. :wink: C'mon now.
by snowshoes
Wed Jan 25, 2017 6:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 12165

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Good Luck & Best wishes TAYLOR! :mrgreen:
by snowshoes
Tue Jan 24, 2017 8:42 pm
Forum: Investing - Theory, News & General
Topic: old tv show about Jesse Livermore
Replies: 3
Views: 545

Re: old tv show about Jesse Livermore

Not a direct reply or answer to your questions but this thread might be worth your perusal. https://www.bogleheads.org/forum/viewtopic.php?t=169638 I've read BOS public libraries series of the above literature a time or two, and more, as well as the www's translation, and more. I'm still not fully a...
by snowshoes
Mon Jan 23, 2017 12:00 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2977
Views: 918178

Re: What Book Are You Currently Reading? Part VI

Clintons Cash! by Peter Schweizer, examines the intersection of the last Federal .gov's administration, Clintons US State Dept., NGO's, :moneybag and it's intermingling of many private entities interest's & avenues of favoritism for donations.
by snowshoes
Sun Jan 22, 2017 10:23 pm
Forum: Investing - Theory, News & General
Topic: Tom Sossnof's derivative trades
Replies: 35
Views: 2773

Re: Tom Sossnof's derivative trades

Quoting a market making wunderkind owner from liquid net, one of the current 40+ trading vehicles available today as a bond /equity/ liquidity provider in todays markets schemes said: "We continue to invent things faster than the regulators can understand or regulate them unraveling us billions, the...
by snowshoes
Sun Jan 22, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 987466

Re: What Movie Have You Recently Watched?

End of the Road: How Money Became Worthless By XIVETV, A documentary everyone interested in this title should watch at least once on IMDb & AMZNprime.

The Quantum Tamers by J.Berckowitz on XIVETV on AMZNprime.
by snowshoes
Sat Jan 21, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 987466

Re: What Movie Have You Recently Watched?

History of WWII- The American Housing crisis on Amazon, Non-fiction created by Createspace. There have been numerous housing crisis in the USA (1930s, 1950s, 2008-09).
by snowshoes
Tue Jan 10, 2017 6:27 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 22023

Re: How Bad was 2008, really?

Citi-bank was forced into bankruptcy without the national fanfare AIG had, I lost money :( Luckily my core funds were in sectors & indexes and I still had resources to buy particular tanking equites for a steep discount. A long time stalwart forum member whom was active both here and in the M* BHs s...
by snowshoes
Sat Jan 07, 2017 11:39 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 6244

Re: No Vanguard Customer Support on weekends

re: No Weekend Customer Support .... My recollection is that their was weekend support (perhaps for investors with more funds at Vanguard, i.e., Flagship, Voyager, ... etc.) until about a year or so ago. I recall at that time, there was new law related to overtime, and that there was some press - e...
by snowshoes
Sat Jan 07, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 987466

Re: What Movie Have You Recently Watched?

End of the Road : How Money Became Worthless This movie is classified as a documentary, imo, it's a docudrama w/the 09 Financial crisis as a focal point. Available on AMZN, By XIVETV The Brain that changes itself : A documentary on nuroplasticity by Mike Sheerin, on AMZNs by XIVETV. I've no promoti...
by snowshoes
Sat Jan 07, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Buying a unicorn retirement house, before retirement.
Replies: 5
Views: 1312

Re: Buying a unicorn retirement house, before retirement.

rerod wrote:So much could change in 10-13 years.
Thanks!
I reworked your intended statement that you made look like a question. :wink:
by snowshoes
Wed Jan 04, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 37589

Re: 2017 hedge fund contest

Delivering Alpha Fund 2 --- :happy

Long: FDC, AMD, DB, --

Short: SHLD, FB, NFLX --


Best 2U Norbert w/the gators!


--off today---thx!
by snowshoes
Wed Jan 04, 2017 9:04 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 30086

Re: 2016 hedge fund contest

-deleted-
by snowshoes
Mon Jan 02, 2017 9:16 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 105
Views: 9625

Re: What inflation rate do you use for your planning?

A known is the FEDs inflation targets. The FED is imperfect. Hyperinflation & inflation happens, its built into all FIAT currencies monetary equation. Cyprus not Greece~(thx VT) recently had a 10% savers confiscation mandate about 2 yrs back. Your question, I use a variable percentage rate of inflat...
by snowshoes
Mon Jan 02, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 987466

Re: What Movie Have You Recently Watched?

China vs. USA : Empires at War ; non-fiction, by Anthony Dufour.
8 Murders a day non-fiction , by Charlie Minn, about Mexico's economic workings.