Search found 278 matches

by Pangloss
Sun Jan 29, 2012 8:11 pm
Forum: Investing - Theory, News & General
Topic: asset allocation spreadsheet
Replies: 3
Views: 1314

Re: asset allocation spreadsheet

Thanks, LadyGeek. I haven't been on the forum much in the past couple of years, so most of the Wiki is new to me. I'll definitely look more closely at the link you sent and your sample spreadsheet. Thank you for your column heading suggestions. I decided to go with "Transactions" rather than "Contri...
by Pangloss
Sun Jan 29, 2012 2:56 pm
Forum: Investing - Theory, News & General
Topic: asset allocation spreadsheet
Replies: 3
Views: 1314

asset allocation spreadsheet

Hi Everyone. I shared this basic spreadsheet a few years ago in Excel format, but I've adapted it to Google docs now and made a few minor changes. Basic features include calculating the % distribution among asset classes, recalculating the % distribution after making transactions, conditional format...
by Pangloss
Mon Nov 22, 2010 11:57 pm
Forum: Personal Consumer Issues
Topic: 9mm pistol for lefty at a shooting range?
Replies: 66
Views: 10441

Are used pistols less expensive than new so that they are a better buy vs new? Rifles cost less than pistols and I'd think a pistol (revolver not auto) would cost less to make than a large rifle. I'm looking at say a .38 special 5 or 6 shot revolver, 4" barrel, nothing fancy just basic protection f...
by Pangloss
Sun Nov 21, 2010 7:45 pm
Forum: Personal Consumer Issues
Topic: How do I make GOOGLE the Default Search Engine in Windows 7?
Replies: 6
Views: 1307

Since you brought it up, you might want to download Google Chrome and give it a try instead of Internet Explorer. I'm a big Microsoft fan, but after I tried Chrome, I was hooked. On the other hand, I believe the newest Internet Explorer is much more Chrome-like.
by Pangloss
Sun Nov 21, 2010 7:31 pm
Forum: Personal Consumer Issues
Topic: Vehicle Brand Reliability
Replies: 65
Views: 8514

Re: Sedan recommendation

I've been very impressed with the Subaru Outback. Liked the first one so much (gave it to our younger son at 180,000 miles) that we got a second- a 2008 Outback wagon- doing great at 41,000 miles. If I didn't want the wagon, I would go for the Legacy sedan Shawcroft I'm on my second Subaru and my p...
by Pangloss
Fri Mar 19, 2010 9:46 pm
Forum: Investing - Theory, News & General
Topic: The Next Bubble
Replies: 12
Views: 2415

I think if you really want to try to profit for this (whatever "this" maybe be) it should be with a very limited portion of your portfolio that you designate "speculative." I don't do these things, but if I were to guess, I'd guess lanthanum futures. I read on the internet that they are the next big...
by Pangloss
Tue Apr 07, 2009 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: AgraGate/Chicago Climate Exchange (carbon credits) & tim
Replies: 7
Views: 1420

Thanks for the comments everyone. As I understand it, the initial $1500 expense pays the forester for examining the property and determining the number of carbon credits for which the property can be used as a basis. I believe this value varies with the amount of land one wants to enroll in the prog...
by Pangloss
Mon Apr 06, 2009 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: AgraGate/Chicago Climate Exchange (carbon credits) & tim
Replies: 7
Views: 1420

AgraGate/Chicago Climate Exchange (carbon credits) & tim

Hi everyone. Does anyone have any experience with AgraGate Climate Credits Corp and selling carbon credits for timberland. My parents have some timberland and through AgraGate and a middle man, they can they can basically issue and sell carbon offset credits. The credits are traded like commodities ...
by Pangloss
Wed Jan 28, 2009 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Mom
Replies: 9
Views: 1878

Hi Rebajay. I'm very sorry to hear about your mother's illness. In this case, I think it would be best to stay clear of the annuities. If my understanding is correct, annuity pay outs are based on life expectancy. I don't know what the actuarial charts say, but since your mother is 71 and has been d...
by Pangloss
Fri Jan 23, 2009 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Are we already in the next Great Depression?
Replies: 55
Views: 9196

We will not have a depression because: 1. Monetary policy is not constrained by the gold standard. 2. Government spending makes up a much larger percentage of the GDP than in 1929. These expenditures help to stabilize the economy because government spending is not as susceptible to the contraction p...
by Pangloss
Fri Jan 23, 2009 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: book reviews
Replies: 3
Views: 1042

A surprisingly larger portion of Bernstein's books can be read for free via Google Books:

http://books.google.com/books?q=william ... arch+Books
by Pangloss
Fri Jan 23, 2009 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Investing In Bonds During Very Low Interest Rates
Replies: 8
Views: 2631

I only have 15% of my portfolio in bonds, but about 85% of the time I devote to thinking about my finances is spent puzzling over bonds. I think the best thing to do now is move to shorter maturity bonds and to keep a good part of your bond allocation in TIPS. My wife and I are 50% TIPS, 25% short t...
by Pangloss
Wed Jan 21, 2009 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: wash sale-trouble with my friends at irs?
Replies: 4
Views: 1428

I'm not a tax expert, but I'm practically certain that this transaction would not be a wash sell. Each of these funds follows a different index and the total stock market index funds owns shares in many many more companies than the S&P500 fund. I would be completely comfortable making the transactio...
by Pangloss
Mon Jan 19, 2009 7:06 pm
Forum: Investing - Theory, News & General
Topic: PBS Documentary - The Ascent of Money
Replies: 19
Views: 5438

I watched the first 1.25 hours of the show, and frankly I was a bit disappointed. Content was pretty duplicative of several books I've read lately. I was hoping for more early history and less on the recent boom-bust cycles. I'm glad to hear that the remaining four hours will focus on earlier histor...
by Pangloss
Fri Jan 16, 2009 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: please don't laugh at me (Excel OCD'ness)
Replies: 17
Views: 3123

Why don't you just let the $7 sit? Who cares?
Some people just don't understand. Those few dollars would drive me mad too. Maybe you could give the money to charity?
by Pangloss
Tue Jan 13, 2009 6:13 pm
Forum: Investing - Theory, News & General
Topic: Janus class action suit settlement
Replies: 12
Views: 4492

thanks

Very interesting. I owned some Janus in the early 2000s before moving everything to Vanguard. My address has changed a few times since then though. Thanks for letting me know about this.
by Pangloss
Tue Jan 13, 2009 6:12 pm
Forum: Investing - Theory, News & General
Topic: recent interview with David Swensen in WSJ
Replies: 0
Views: 651

recent interview with David Swensen in WSJ

http://online.wsj.com/article/SB123180744823875647.html[/i]

This interview is more about institutional investing than personal investing, but it's certainly worth a few minutes to read. Most notable are his comments on funds of funds and when indexing is appropriate.
by Pangloss
Tue Jan 13, 2009 6:07 pm
Forum: Investing - Theory, News & General
Topic: Does Scott Burns Still Write Personal Finance Blog?
Replies: 4
Views: 1556

His column has an RSS feed:
http://www.dallasnews.com/newskiosk/rss ... sburns.xml

I've never seen his blog, so we could be talking about different writings.
by Pangloss
Tue Jan 13, 2009 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Advice
Replies: 5
Views: 1473

I also vote for the Target Retirement fund.
by Pangloss
Fri Jan 09, 2009 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on AA plan
Replies: 3
Views: 853

Hi Mattgg1. I think what you have is fine. It's not exactly the way I do it but it's very close. I've finally given up on a value tilt and just hold broad markets index funds now, but I have equal portions in large and small/mid cap funds (S&P500 and Extended Martket). My domestic to international r...
by Pangloss
Tue Dec 23, 2008 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Stock Market - enough mid/small caps?
Replies: 13
Views: 3875

The total stock market index fund is capitalization weighted. The percent of small and mid cap companies in that fund equals the percent they contribute to the actual market. If you want to overweight small and mids, consider holding the S&P500 and Extended Market index funds. I have 30% FTSE all-wo...
by Pangloss
Mon Dec 22, 2008 10:16 pm
Forum: Investing - Theory, News & General
Topic: The Economist and a better alternative....
Replies: 34
Views: 6441

Business Week
by Pangloss
Mon Dec 22, 2008 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Save, Save, Save, Lose, Lose, Lose
Replies: 38
Views: 8480

Maybe you should consider increasing your bond allocation.
by Pangloss
Sat Dec 20, 2008 11:35 pm
Forum: Investing - Theory, News & General
Topic: crazy yield curve
Replies: 21
Views: 3936

I think that if one of the goals is to reduce portfolio volatility, then pairing LT bonds and/or zeros with TIPS is a reasonable strategy. As for the duration, barring either a disabling accident or a very lucky lottery win (and I don't buy lottery tickets, so the win would really have to be very ve...
by Pangloss
Thu Dec 18, 2008 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Tracking funds without a ticker?
Replies: 4
Views: 2263

Hi Salem. My wife in an NC state employee, and I haven't been able to find a fund that tracks that index either. Today is the first day they've had the info up on the new funds. All in all, I'm very pleased. The ER on the bonds is still too high, but the MSCI all-country ex-US is 0.28% which is 0.12...
by Pangloss
Wed Dec 17, 2008 10:29 pm
Forum: Investing - Theory, News & General
Topic: crazy yield curve
Replies: 21
Views: 3936

Hi grabiner. I read through some more of the fund information, and it said that the fund is designed primarily for institutional investors with extremely long term obligations. The page also very strongly recommended that individuals consult an advisor before buying it. If I were to ever buy the fun...
by Pangloss
Wed Dec 17, 2008 8:55 pm
Forum: Investing - Theory, News & General
Topic: crazy yield curve
Replies: 21
Views: 3936

Wow! Talk about incredible return for the year. That's absolutely amazing. That ETF (symbol EDV) "seeks to track the performance of an index of extended-duration zero-coupon U.S. Treasury securities." I guess the big drop in interest rates are what pushed it up so high (in combination with flight to...
by Pangloss
Wed Dec 17, 2008 5:52 pm
Forum: Investing - Theory, News & General
Topic: crazy yield curve
Replies: 21
Views: 3936

crazy yield curve

This from WSJ's data base: 1 month: (0.041) 2 year: 0.753 5 year: 1.490 10 year: (2.203) 30 year: (2.653) I was nosing around online because I noticed that Vanguard's long term treasury fund is up over 20% ytd. (Sadly, I own intermediate term index.) Anyway, I've heard mention of a possible bubble i...
by Pangloss
Thu Dec 11, 2008 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Which is the better portfolio
Replies: 13
Views: 3177

I sold my Vanguard Energy fund early last year, but sometimes I miss it. I think that during times of strong economic growth, the energy funds are a good inflation hedge, but when things slow down they can be hit pretty hard. Anyway, I would probably pick the first portfolio, as I've been more drawn...
by Pangloss
Sun Dec 07, 2008 10:06 pm
Forum: Investing - Theory, News & General
Topic: Business Week Article - The Unretired
Replies: 33
Views: 6842

I read this article earlier tonight (mostly aloud in a raised voice to my wife). I was absolutely astounded. Several facts stood out to me. Firstly, it's not helpful to think of your house as an investment. If that guy had just owned his home outright when he retired, he could probably get by on his...
by Pangloss
Sun Dec 07, 2008 9:45 pm
Forum: Investing - Theory, News & General
Topic: Updates from anyone who is value averaging?
Replies: 8
Views: 2034

Updates from anyone who is value averaging?

I know from previous threads that a few folks around here practice value averaging. I'd love to hear how the value average investors among us have done lately and if recent market performance has changed their thoughts on the topic. Thanks.
by Pangloss
Thu Nov 20, 2008 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my mom's portfolio please
Replies: 6
Views: 1532

I second dbr's recommendation. I think his four fund suggestion is as close to perfect as you can get.
by Pangloss
Wed Nov 19, 2008 10:43 pm
Forum: Investing - Theory, News & General
Topic: Any Wash Sale Risk between a Managed Fund & Index Fund?
Replies: 10
Views: 2221

I am definitely not a tax expert, but I don't think there's any danger of a wash sale if you switch between those funds. They certainly own different stocks even though they are similar in terms of asset class and, consequently, performance.
by Pangloss
Wed Nov 19, 2008 10:35 pm
Forum: Investing - Theory, News & General
Topic: Panic by Michael Lewis (book)
Replies: 0
Views: 821

Panic by Michael Lewis (book)

I was browsing at Barnes & Noble tonight and came across Panic by Michael Lewis. I've read some other books on bubbles and panics ( Devil Take The Hindmost, The Panic of 1907, Tulipmania ), but the Lewis book is unique in that, aside from detailing relatively recent events (1987 to date), it's made ...
by Pangloss
Wed Nov 19, 2008 8:55 pm
Forum: Investing - Theory, News & General
Topic: Any buyers today?
Replies: 55
Views: 10017

Last night I decided to do some rebalancing, so I sold some Intermed Term Bond index fund shares and bought some Extended Market and FTSE all-world ex-US shares for which I got close of business prices today. Looks like I should have bought more shares of the REIT index fund instead.
by Pangloss
Wed Nov 19, 2008 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: International stock fund
Replies: 5
Views: 1769

I've often thought that if index funds just vanished, that I could move all of my holdings to Dodge & Cox and be pretty comfortable owning only their funds. If I remember correctly, their foreign fund is really more of a foreign value fund (and actively managed), while the Vanguard fund is a broad m...
by Pangloss
Sun Nov 16, 2008 12:49 pm
Forum: Investing - Theory, News & General
Topic: Reuters article on Enough
Replies: 2
Views: 1048

Reuters article on Enough

Here's a link to a short Reuters article on John Bogle's new book Enough: http://www.reuters.com/article/reutersE ... W320081113
by Pangloss
Fri Nov 14, 2008 5:52 pm
Forum: Personal Consumer Issues
Topic: Finance Podcasts
Replies: 11
Views: 2605

As an aside, I discovered last night that Google Reader (RSS feed reader) works quite well with some pod casts (including Marketplace, Planet Money, CFA, WSJ). I don't use iTunes, so I can't make a direct comparison, but I think Google Reader is a great piece of software.
by Pangloss
Fri Nov 14, 2008 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Investment grade bond funds?
Replies: 6
Views: 1707

2 suggestions

Total Bond Market Index Fund.
Inflation Protected Securities Fund.
by Pangloss
Fri Nov 14, 2008 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Personal investment software
Replies: 12
Views: 4338

I use Microsoft Money for keeping up with the tax basis of my investments and also for calculating returns. For monitoring my asset allocation I use an Excel spreadsheet that I designed that makes use of the MSN money stock quote plugin. This has been a great system for me and I have no complaints. ...
by Pangloss
Wed Nov 12, 2008 10:14 pm
Forum: Investing - Theory, News & General
Topic: Best periodicals to read?
Replies: 27
Views: 6951

If I had to pick just one, it would be The Economist. However, I ended up with a free subscription to Business Week, and I've been pleasantly surprised. It easily takes second place.
by Pangloss
Wed Nov 12, 2008 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 25
Views: 5432

I think I'll vote for the growth index. S&P500 usually leans more to growth than to value, so the growth index is probably closest to your existing allocation. However, the Asset Allocation fund is also very appealing, but I worry that since it is currently 100% TSM, you might get tripped up with a ...
by Pangloss
Mon Nov 10, 2008 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Question
Replies: 4
Views: 1335

From IRS Publication 590: "Withdrawal of excess contributions. For purposes of determining excess contributions, any contribution that is withdrawn on or before the due date (including extensions) for filing your tax return for the year is treated as an amount not contributed. This treatment only ap...
by Pangloss
Sun Nov 09, 2008 1:59 pm
Forum: Investing - Theory, News & General
Topic: Taleb Says Portfolio Theory is `Hogwash'
Replies: 51
Views: 12698

My biggest complaint about Taleb is that his books have virtually no actionable advice. Everyone can agree that really bad unexpected things happen, but to be so dismissive of "modern portfolio theory" is to throw out a lot of good things because of some moderate imperfections. For example, in March...
by Pangloss
Sat Nov 08, 2008 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reconstruction
Replies: 10
Views: 3298

It's not great performance, but you can't blame that on the fund. I checked WSJ.com again, and the 10yr annualized returns have been -0.45% for VFINX vs -0.84% for the category. The index itself has returned -0.40%. The low cost is what puts VFINX at the head of the pack. Performance in terms of rea...
by Pangloss
Fri Nov 07, 2008 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reconstruction
Replies: 10
Views: 3298

The info came up when I entered VFINX in the Wall St. Journal's ticker window. I believe the actual data comes from Lipper's.
by Pangloss
Fri Nov 07, 2008 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: If you had to recommend just one good book...
Replies: 25
Views: 6029

I think that The Random Walk Guide to Investing is a great choice. Boglehead's Guide and Four Pillars are great too, though for some one who has limited interest in investing, I might shy away from Four Pillars.
by Pangloss
Wed Nov 05, 2008 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Feedback
Replies: 5
Views: 1469

Hi rapido. Regarding bonds, I think your fine owning just the Total Bond Market index fund and the Inflation Protected securities fund. A lot of people around here like a 50-50 mix of those two for their bond allocation. As far as minimizing taxes, you'd probably do best to put the asset class with ...
by Pangloss
Sun Nov 02, 2008 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reconstruction
Replies: 10
Views: 3298

Hi technofox. I picked the 80-20 split because it doubles the bonds you have now and would lower the volatility of your portfolio a little bit. My portfolio is at 85-15, but there's nothing particularly magical about either. Vanguard Target Retirement 2045 & 2050 both have and 90-10 allocation. Gene...