Search found 111 matches

by RetiredInNH
Fri Jan 01, 2010 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Could you/do you live on $50,000 a year?
Replies: 356
Views: 78562

Strange question ... if all you have is 50K, that is all you can spend: Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery. Charles Dickens, David Copperfield, 1849 When I first cam...
by RetiredInNH
Tue Dec 16, 2008 9:18 pm
Forum: Investing - Theory, News & General
Topic: Shorting the Treasury market
Replies: 19
Views: 3481

Re: Shorting the Treasury market

GG wrote:But a few grand against the treasry market? Why not?
Keynes pointed out (in a more general context) the fundamental problem with shorting: "The market can stay irrational longer than you can stay solvent".
by RetiredInNH
Tue Nov 25, 2008 6:04 pm
Forum: Investing - Theory, News & General
Topic: What's your Dow Prediction for December 31, 2008?
Replies: 79
Views: 15534

I'll go way out on a limb on this one: Between now and the end of the year the market will fluctuate. And, to make more predictions, it will keep on fluctuating forever. JP Morgan was right :D
by RetiredInNH
Tue Nov 25, 2008 5:36 pm
Forum: Investing - Theory, News & General
Topic: Book for 401(k) fiduciaries
Replies: 4
Views: 1234

I suspect that you are looking for Fixing the 401(k): What Fiduciaries Must Know (And Do) to Help Employees Retire Successfully by Josh Itzoe, who occasionally posts here.
by RetiredInNH
Tue Nov 25, 2008 10:12 am
Forum: Investing - Theory, News & General
Topic: kiplinger article you might find of interest
Replies: 6
Views: 2275

First paragraph of that article: You're probably shellshocked from the investment bombs that have exploded all around you. Now more than ever, you need to develop and stick to a carefully thought out investment plan. I am not shell shocked, having recently bought equities to rebalance. I do not need...
by RetiredInNH
Wed Nov 12, 2008 9:13 am
Forum: Investing - Theory, News & General
Topic: Best periodicals to read?
Replies: 27
Views: 7524

The Economist, most of which is available free online. Excellent writing, and occasional insights.
by RetiredInNH
Tue Nov 11, 2008 7:58 pm
Forum: Investing - Theory, News & General
Topic: Yahoo Article: Keeping Your Money Safe in Turbulent Times
Replies: 10
Views: 2492

Re: Yahoo Article: Keeping Your Money Safe in Turbulent Time

Rick Ferri wrote:I will admit that my answers are slightly boisterous and a little self-serving, but you might enjoy it anyway.
That added spice to what was, otherwise, a fairly standard issue rational investor manifesto.
by RetiredInNH
Sun Nov 09, 2008 7:26 pm
Forum: Personal Investments
Topic: Will tax-loss selling push the market down this December?
Replies: 17
Views: 3462

Re: Light on stocks in December and January?

Taylor Larimore wrote:In my opinion, attempting to forecast market movements is a waste of time--and often expensive.
That, rather than the statistics posted, is, IMHO, the real take away message from Taylor's wise (as usual!) message.
by RetiredInNH
Wed Nov 05, 2008 4:40 pm
Forum: Personal Investments
Topic: Vanguard vs Boglehead advice
Replies: 6
Views: 2897

When Vanguard did my financial plan they initially suggested a half index, half active portfolio. I told my planner that I wanted an all index portfolio, and a few days later he provided me with one.
by RetiredInNH
Sun Nov 02, 2008 10:04 pm
Forum: Investing - Theory, News & General
Topic: Harvard 2008 Endowment Report out
Replies: 5
Views: 1831

Seems that the fiscal year ended June 30, 2008.

Lots of interesting things happened in the world of investments since.
by RetiredInNH
Sat Nov 01, 2008 2:07 pm
Forum: Personal Investments
Topic: The End of the Bear Market? Is Norris from the NYT right?
Replies: 13
Views: 3321

Why should anyone, other than a market timer, care one way or the other? Markets fluctuate ... they always have, and they always will. Mattresses don't, but money "invested" under the mattress doesn't grow :D
by RetiredInNH
Fri Oct 31, 2008 3:20 pm
Forum: Personal Investments
Topic: How do you manage your monthly investments?
Replies: 20
Views: 4790

Re: How do you manage your monthly investments?

Do you transfer money from your main account directly to a Mutual Fund, or to a money market first, then adding money manually to whatever funds you are in? Depends on how much you like to fiddle. I (during my working years) used a fixed allocation each month, with end of year rebalancing if needed...
by RetiredInNH
Thu Oct 30, 2008 5:34 pm
Forum: Personal Consumer Issues
Topic: Weird accuracy
Replies: 2
Views: 1133

Weird accuracy

I rebalanced my portfolio to 60/40 about ten days ago, and since then it has fluctuated (just as J. P. Morgan said it would). Today I updated the prices in my spreadsheet (using MSNQuote) and found that my stocks were at 60.0% of the portfolio. Out of curiosity I formatted the cell to four decimal p...
by RetiredInNH
Tue Oct 28, 2008 3:13 pm
Forum: Investing - Theory, News & General
Topic: Many Vanguard funds up 7 to 17% at close today
Replies: 62
Views: 9999

Re: Many Vanguard funds up 7 to 17% at close today

djw wrote:Hope you were in the market today.
Surely all Bogleheads in good standing are permanently in the market, at or near their target asset allocation??? :D

Of course, tomorrow they may well drop just as much :(
by RetiredInNH
Sun Oct 26, 2008 3:51 pm
Forum: Personal Investments
Topic: 4-fund portfolio
Replies: 23
Views: 8840

midas,

Click on the link in Rick's post :D
by RetiredInNH
Sun Oct 26, 2008 12:36 pm
Forum: Investing - Theory, News & General
Topic: How Europe gets into a mess-- an example
Replies: 16
Views: 2934

Just thought I would post a link to a story on these mortgages from the NY Times last week: Crisis Comes to Hungary in Loans of Francs and Euros.
by RetiredInNH
Sat Oct 25, 2008 5:02 pm
Forum: Investing - Theory, News & General
Topic: Bogle: The Long View (NY Times)
Replies: 16
Views: 4683

GRT2BOUTDOORS wrote:Instead, the herd mentality of Buy High, Sell Low seems to be the mantra of the day.
Well, we need someone to be on the opposite side of our buy low sell high rebalancings :D
by RetiredInNH
Wed Oct 22, 2008 3:17 pm
Forum: Investing - Theory, News & General
Topic: Fortune: Buy AIG. Oops, sorry! Now buy Merrill...
Replies: 2
Views: 1031

When I see how much fun I miss by being in boring index funds ... :lol:
by RetiredInNH
Mon Oct 20, 2008 3:41 pm
Forum: Investing - Theory, News & General
Topic: Guess on market direction
Replies: 13
Views: 1976

What did JP Morgan say :?: :)
by RetiredInNH
Sat Oct 18, 2008 10:19 pm
Forum: Personal Investments
Topic: Going All In
Replies: 69
Views: 15309

Look at the good doctor's avatar :D

He is a mountaineer. A member of a community that is, shall I say, not known for risk aversion.

Remember the old proverb: There are old climbers, and there are bold climbers. There are no old, bold climbers :(
by RetiredInNH
Sat Oct 18, 2008 5:14 pm
Forum: Investing - Theory, News & General
Topic: What % of your stock allocation is international, and why?
Replies: 90
Views: 17255

Mine was 20% of equities then, and is 20% of equities now. I live in the US, so I am overweight in US securities. I was 5% REIT when REIT was doing well and, surprise!, I am still 5% REIT now that it is on sale. Note that I rebalanced a couple of days ago, which is why I am, modulo rounding error, r...
by RetiredInNH
Sat Oct 18, 2008 6:46 am
Forum: Investing - Theory, News & General
Topic: Time Magazine: The end of prosperity?
Replies: 37
Views: 7935

Let me try and get this thread back to where it started ...

There has also been a lot of talk about "The end of capitalism", or at least "The end of capitalism as we know it". The Economist obviously does not buy it, see the delightful cartoon by KAL :D
by RetiredInNH
Thu Oct 16, 2008 9:43 am
Forum: Investing - Theory, News & General
Topic: anti-indexing argument: Stanford/Yale endowments?
Replies: 21
Views: 6116

Any news on how these endowments have fared in the current drop of (almost) all asset classes?
by RetiredInNH
Sun Oct 12, 2008 9:23 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund Inflows and Outflows
Replies: 4
Views: 2742

Many (most???) articles quote TrimTabs.
by RetiredInNH
Sun Oct 12, 2008 8:57 pm
Forum: Personal Investments
Topic: Mother of All Tax Loss Harvesting Threads
Replies: 247
Views: 68511

Vanguard's TSM fund is the MSCI US broad market index while Vanguard SP500/extended market index are S&P indices. Blue, Many thanks! If my memory serves me well, originally the TSM index was an S&P index (the 500 plus the completion), and now I recall that many years ago they changed it to the MSCI...
by RetiredInNH
Sun Oct 12, 2008 8:17 pm
Forum: Personal Investments
Topic: Does the SWR change in a bear market?
Replies: 11
Views: 1731

The Trinity Study was the first of many, those that followed using more complex adaptive techniques. Heavy reading, but if interested see Bob's Financial Website by Boglehead Bob90245. He will (I hope) chime in himself at some stage.
by RetiredInNH
Sun Oct 12, 2008 7:27 pm
Forum: Personal Investments
Topic: Mother of All Tax Loss Harvesting Threads
Replies: 247
Views: 68511

2a. I do not consider selling total stock market and buying both S&P500 and ExtendedMarket a wash sale. Clearly, S&P500 is not the TSM and clearly ExtendedMarket is not TSM. Therefore, the reverse is also true. Furthermore, it would be nye impossible to get the ratio of the components to exactly ma...
by RetiredInNH
Sun Oct 12, 2008 6:57 pm
Forum: Investing - Theory, News & General
Topic: Oct 13 bond fund trading
Replies: 4
Views: 1600

I think that EyeDee is right.

I had chosen to have my RMD taken out of my Total Bond Market account on Monday, and it seems to be so scheduled.

I do not care enough to read the prospectus, but would guess that it will be at Friday's valuation.
by RetiredInNH
Sun Oct 12, 2008 6:31 am
Forum: Personal Investments
Topic: Mother of All Tax Loss Harvesting Threads
Replies: 247
Views: 68511

Thanks, PiperWarrior and livesoft!
by RetiredInNH
Sat Oct 11, 2008 2:20 pm
Forum: Investing - Theory, News & General
Topic: NY Times: Those Knowing History May Find It’s Time to Inve
Replies: 7
Views: 1970

NY Times: Those Knowing History May Find It’s Time to Inve

From today's (Sat.) NY Times , Those Knowing History May Find It’s Time to Invest : The four most dangerous words for investors are: this time is different. In 1999, technology companies with no earnings or sales were valued at billions of dollars. But this time was different, investors told themsel...
by RetiredInNH
Sat Oct 11, 2008 6:13 am
Forum: Personal Investments
Topic: Mother of All Tax Loss Harvesting Threads
Replies: 247
Views: 68511

Two questions: 1. Selling Vanguard Total International and buying FTSE World ex US seems to me to be allowed, as the two funds use different indexes; in fact one includes Canadian stocks, the other not. Correct?? 2. Selling Extended Market and Index 500 and buying Total Stock Market seems pretty clo...
by RetiredInNH
Wed Oct 08, 2008 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports vs Edmunds.com for new car
Replies: 17
Views: 4840

Les wrote:Where do you get the "holdback" number. I've seen it on the CU report but does Edmunds show it or another free web source?
Buying Tips -- Dealer Holdback at edmunds.com is one free source.
by RetiredInNH
Wed Oct 08, 2008 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports vs Edmunds.com for new car
Replies: 17
Views: 4840

Thanks, cjackson0!

I have no 529, no employer, and am not about to buy an American car, so your suggestions will not help me. I am sure that other readers will benefit from them!
by RetiredInNH
Wed Oct 08, 2008 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports vs Edmunds.com for new car
Replies: 17
Views: 4840

Thanks, Taylor!

Given your opinion I will probably "splurge" and buy the Consumer Reports pricing for the princely sum of (IIRC) $14! About 10 basis points to add to the purchase price :D
by RetiredInNH
Wed Oct 08, 2008 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports vs Edmunds.com for new car
Replies: 17
Views: 4840

Bob, Thanks, but that is not what I am asking about. I know exactly what I want to buy, so the paper Consumer Reports has nothing to offer me. What I am looking for is the best price. edmunds.com gives me their estimate for free. Consumer Reports' new car price reports seems to offer the same servic...
by RetiredInNH
Wed Oct 08, 2008 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports vs Edmunds.com for new car
Replies: 17
Views: 4840

Consumer Reports vs Edmunds.com for new car

I am going to buy a new car soon. I have checked prices on edmunds.com for free, and wonder whether to go to Consumer Reports and pay their (admittedly small) fee for their report. Does anyone know how they compare? I am obviously NOT assuming that Consumer Reports is better because it costs more :D
by RetiredInNH
Tue Oct 07, 2008 2:38 pm
Forum: Forum Issues and Administration
Topic: new subforum: Expat Investing?
Replies: 4
Views: 2451

It sounds like an excellent idea, but there is one essential requirement: enough truly knowledgeable posters to give quality answers to questions.

In their absence there is no way that the high quality of the US-based discussions would carry over to the new forum.
by RetiredInNH
Tue Oct 07, 2008 4:54 am
Forum: Investing - Theory, News & General
Topic: This Week on the Wiki (October 6, 2008)
Replies: 1
Views: 1053

Re: This Week on the Wiki (October 6, 2008)

As the Wiki enters its second quarter of existence, it is readily apparent that the Wiki has not been embraced by the forum membership. It seems that forum members find that the forum provides all they need, so they see no need to join the wiki community. I have seen exactly the same thing on anoth...
by RetiredInNH
Thu Oct 02, 2008 2:35 pm
Forum: Investing - Theory, News & General
Topic: Looking for a high paying money market..any suggestions?
Replies: 9
Views: 1973

High paying means high risk ... something few people would recommend right now.
by RetiredInNH
Thu Oct 02, 2008 2:26 pm
Forum: Investing - Theory, News & General
Topic: Time Magazine: The end of prosperity?
Replies: 37
Views: 7935

Time Magazine: The end of prosperity?

Just saw this on the cnn.com web site: The End of Prosperity?. I did not bother to read it, but wondered whether its authors had ever heard of Business Week's wonderfully insightful The Death of Equities? :D :D
by RetiredInNH
Sat Sep 27, 2008 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to pay while traveling abroad
Replies: 48
Views: 12890

I pay personal expenses with my CapitalOne credit card. It's the best. Rates are good. Be sure to tell your card company that you are travelling or they will assume fraud and cancel your card when you need it most. Definitely agree with both points. I only use my Capital One card overseas, as it ha...
by RetiredInNH
Mon Sep 22, 2008 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: My identity has been stolen!
Replies: 34
Views: 8086

Re: My identity has been stolen!

Capital One's fraud department caught it and contacted me long before I would have noticed anything. It seems that the credit card companies are quite skilled at detecting these things. Earlier this year I got a call from my credit card company (a card I use constantly). Some incompetent thief had ...
by RetiredInNH
Mon Sep 22, 2008 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Liquidity in a time of crisis
Replies: 26
Views: 6426

And feed what I call a Katrina Fund: about five days in cash around the house in $10s and $20s for when the power goes out, credit cards don't work and the bank's doors are closed. Gold coins are much better than paper when things get tough. Add a month's worth of canned food (at least) and the wea...
by RetiredInNH
Mon Sep 22, 2008 4:33 pm
Forum: Personal Investments
Topic: Quarterly estimated payments
Replies: 14
Views: 3145

Whatever else you may hear from vulgar people, RTFM means "Read the Friendly Manual" :D :D

A saying from the early days of UNIX with its online manual (in 8 sections).

For more variations on that acronym see RTFM -- Definition be AcronymFinder.
by RetiredInNH
Fri Sep 19, 2008 7:53 pm
Forum: Investing - Theory, News & General
Topic: A Real Boglehead Moment - What are you doing?
Replies: 113
Views: 21773

bob90245 wrote:I wait until the market closes after Friday to do anything because I don't check my portfolio during the week. And from the looks of things, I still won't need to do anything.
Like Bob I do not check on a daily basis, and like him I have no need to rebalance as of tonight (Friday).
by RetiredInNH
Wed Sep 17, 2008 9:22 pm
Forum: Investing - Theory, News & General
Topic: How does your portfolio stand as of 09/17/08?
Replies: 44
Views: 7951

bob90245 wrote:I don't know. I don't check my portfolio every day. I suppose we should rerun that poll asking how often people check their portfolios. :D
Or, put otherwise, I don't know, I don't care
by RetiredInNH
Sun Sep 07, 2008 12:44 pm
Forum: Investing - Theory, News & General
Topic: Replacement Bait: Why the 80% Rule is Wrong-Scott Burns
Replies: 53
Views: 9109

Back from six weeks hiking in Switzerland. I am currently spending more than when I was working, very glad that I have put enough away to allow that.

Obviously we all have different patterns of spending over a lifetime, but to suggest that we are encouraged to oversave strikes me as strange.
by RetiredInNH
Sat Sep 06, 2008 10:53 am
Forum: Personal Consumer Issues
Topic: Considering vacation home/rental property in Switzerland
Replies: 9
Views: 3361

Let me suggest that you look at EnglishForum.ch. Do some reading before you ask any questions; it is a community that does not like to answer questions that have been answered repeatedly in the past :D
by RetiredInNH
Wed Sep 03, 2008 6:02 pm
Forum: Personal Consumer Issues
Topic: Old PC: How much RAM needed for XP?
Replies: 36
Views: 9991

Re: Old PC: How much RAM needed for XP?

What I want to know is, when websites recommend minimum memory for an OS, they seem to be talking about basic tasks only. Is that right? My machine, which is >4 years old, came with XP & has only 256MB of RAM. Has anyone installed new RAM and experienced no noticeable improvement? When manufacturer...
by RetiredInNH
Wed Sep 03, 2008 4:21 pm
Forum: Investing - Theory, News & General
Topic: Should Vanguard come up with a motto???
Replies: 19
Views: 4132

bob u. wrote:How 'bout Index or Die? :lol: Bob U.
Would'nt Live indexed or die be closer to the original? :D