Search found 1233 matches

by Elysium
Fri Sep 07, 2018 7:46 am
Forum: Investing - Theory, News & General
Topic: Good time to do value investing?
Replies: 37
Views: 2572

Re: Good time to do value investing?

What value underperformance? I see nothing. I have owned small value and large growth, both, and EM, Intl Small, etc Over the years all of them have performed quite well, some better than others at times. But, if you look at the past 5, 10, 15 years, you can hardly see any major difference between U...
by Elysium
Thu Sep 06, 2018 10:44 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1435
Views: 207786

Re: QSPIX - thoughts on interesting fund

Random Walker wrote:
Thu Sep 06, 2018 10:27 pm
Elysium,
Fortunately people can pick and choose what to read and what not to.
You are right. I just did chose to skip the rest of your post. Thanks!
by Elysium
Thu Sep 06, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 2990

Re: New Bike Suggestion

If they want to spend the money on something that will make those in their riding group jealous, have at it. Actually, the riding groups that I am with barely pay any attention to the bikes others are riding, and you don't get thumbs up for having the expensive bike, but you do get thumbs up for ri...
by Elysium
Thu Sep 06, 2018 9:54 pm
Forum: Investing - Theory, News & General
Topic: 100% Bonds to boost returns?
Replies: 61
Views: 6531

Re: 100% Bonds to boost returns?

for example the idea that junk bonds are always mispriced against investors seems fairly popular on this forum I am not sure it is popular on this forum in general. There are many people who are just silent and there seems to be a vocal minoroty that keeps promoting this point, especially made popu...
by Elysium
Thu Sep 06, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1435
Views: 207786

Re: QSPIX - thoughts on interesting fund

As I’ve noted before, I’m a client of his firm. I post his writings only because I think they are so valuable to us amateur individual investors, and they serve as excellent starting points for Boglehead discussions. He takes current academic literature and makes it accessible, understandable, and ...
by Elysium
Thu Sep 06, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 2990

Re: New Bike Suggestion

If we are going to go off the rails with expensive bike recommentations, then I want to throw in my couple of cents as well. Pinarello Dogma F8 or F10. Comes with great italian pedigree and race history. Another great bike with legendary reputation is the Colnago or "nags" as they are affectionately...
by Elysium
Wed Sep 05, 2018 6:08 pm
Forum: Investing - Theory, News & General
Topic: 100% Bonds to boost returns?
Replies: 61
Views: 6531

Re: 100% Bonds to boost returns?

Essentially if we were to believe these returns to come true that would mean a significant drop comprising of 20% or more, or a series of years with negative returns. Since we know stock market return distributions are highly non-linear chances are for a significant sell off followed by large ralli...
by Elysium
Wed Sep 05, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 2990

Re: New Bike Suggestion

I would say that if you really want to get serious about putting in the miles on the road then you need a proper road bike, with the drop bar handles and thinner tires, and not the hybrid with straight bars and thicker tires. Contrary to conventional logic, sitting up straight causes more strain on...
by Elysium
Wed Sep 05, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 2990

Re: New Bike Suggestion

I would say that if you really want to get serious about putting in the miles on the road then you need a proper road bike, with the drop bar handles and thinner tires, and not the hybrid with straight bars and thicker tires. Contrary to conventional logic, sitting up straight causes more strain on ...
by Elysium
Wed Sep 05, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 2990

Re: New Bike Suggestion

Beware of used carbon bikes if you go to Craigslist. Contrary to others here, I am not a craigslist guy for bikes, I get mine from the LBS brand new, but I bargain a good deal at the end of the season. The problem with CL bikes is that you never know if they have crashed before and have left the fra...
by Elysium
Wed Sep 05, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 2990

Re: New Bike Suggestion

OP, great decision! Probably the best you have taken in your life :D I started off riding on local trails several years back, and quickly graduated into the road (race) bike. Now I ride with the local groups several days a week, hundreds of miles per week averaging above 18 MPH. I am on my 3rd bike ...
by Elysium
Wed Sep 05, 2018 4:22 pm
Forum: Investing - Theory, News & General
Topic: 100% Bonds to boost returns?
Replies: 61
Views: 6531

Re: 100% Bonds to boost returns?

Essentially if we were to believe these returns to come true that would mean a significant drop comprising of 20% or more, or a series of years with negative returns. Since we know stock market return distributions are highly non-linear chances are for a significant sell off followed by large rallie...
by Elysium
Wed Sep 05, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: 100% Bonds to boost returns?
Replies: 61
Views: 6531

Re: 100% Bonds to boost returns?

Nobody knows nothing. Don't time the markets. Stay the course. I'm confident that businessmen will find a way to outperform bonds in the long run. And in the short run I have no clue. I think an asset allocation between 75/25 and 25/75 is good for most, and for me, I'm comfortable hovering in the m...
by Elysium
Wed Sep 05, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4782

Re: How much do you spend on kids extracurriculars?

$2000 approx. for two kids per month. Varies over the years, but on average been over $1000 and under $2000 for last several years. Daughter: piano, swimming, arts, dance, reading/writing, math -> $900 Son: Tutions totalling $1100 Some of these are interchangeable and some goes way / others get adde...
by Elysium
Tue Sep 04, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing Tax Deduction vs. Emergency Funds
Replies: 7
Views: 500

Re: Maximizing Tax Deduction vs. Emergency Funds

Thanks for the replies. I have come to realize I do need to set aside money for liquidity needs in taxable accounts, and not put away everything towards profit sharing. We are contributing towards Traditional 401(k) plans, not Roth 401(k). This year, I do not have enough left over to put towards an ...
by Elysium
Tue Sep 04, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing Tax Deduction vs. Emergency Funds
Replies: 7
Views: 500

Maximizing Tax Deduction vs. Emergency Funds

The other thread on emergency funds has piqued my interest on my own situation, so wanted to run this conflicting ideas that I have had in my head. I have not kept up a separate large emergency fund for many years now. We have been lucky with employment without any major breaks and the usual means f...
by Elysium
Tue Sep 04, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: S-Corp: Profit Sharing vs. Employer Match, what's the difference if any
Replies: 0
Views: 156

S-Corp: Profit Sharing vs. Employer Match, what's the difference if any

I have not quite understood the treatment of profit sharing vs. employer match, or if it matters at all when it comes to single owner / employee S-Corp as in my case. Is there any, other than when do I contribute? I understand employer match goes along with paycheck, and profit sharing can be made a...
by Elysium
Tue Sep 04, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?
Replies: 110
Views: 5767

Re: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?

I wonder if anyone even read the linked article and understtod the context before replying. Kanye West invested $300,000 and it outperformed the market for a tiny 1 year period! Here we have a 2 page thread discussing it. First, 300K is so inconsequential to someone like Kanye West, he can lose all...
by Elysium
Tue Sep 04, 2018 6:42 am
Forum: Investing - Theory, News & General
Topic: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?
Replies: 110
Views: 5767

Re: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?

I wonder if anyone even read the linked article and understtod the context before replying. Kanye West invested $300,000 and it outperformed the market for a tiny 1 year period! Here we have a 2 page thread discussing it. First, 300K is so inconsequential to someone like Kanye West, he can lose all ...
by Elysium
Mon Sep 03, 2018 11:28 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?
Replies: 110
Views: 5767

Re: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?

I gave my teenage son some money to invest 3 years back and he invested it in AAPL shares, even though I suggested him to invest in broad market index. I let him buy what he wants as a learning experience, and invested an equal position in VTI, just so we could compare both. I was hoping to show him...
by Elysium
Mon Sep 03, 2018 11:17 pm
Forum: Investing - Theory, News & General
Topic: 100% Bonds to boost returns?
Replies: 61
Views: 6531

Re: 100% Bonds to boost returns?

Nobody knows nothing. Don't time the markets. Stay the course. I'm confident that businessmen will find a way to outperform bonds in the long run. And in the short run I have no clue. I think an asset allocation between 75/25 and 25/75 is good for most, and for me, I'm comfortable hovering in the m...
by Elysium
Mon Sep 03, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?
Replies: 79
Views: 3295

Re: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?

I am one of the very few orignal investors in Amazon on this forum, before it became the company that it is today, so I guess I am probably the most qualified to answer this question. Back in fall of '99 I too dabbled in tech stocks like most everyone and the company I purchased was AMZN for $70 a s...
by Elysium
Sat Sep 01, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1435
Views: 207786

Re: QSPIX - thoughts on interesting fund

I guess folks were clamouring to get into this fund and other alt strategy funds a while back, and finding backdoors and what not. That seems to have died down of late with the continued strength in stock market and the fact that these alt strategy funds have become an endless money pit. I have come...
by Elysium
Sat Sep 01, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Transfer US dollars to a country with 7% CD rates
Replies: 31
Views: 3182

Re: Transfer US dollars to a country with 7% CD rates

I have simple rule when it comes to currency conversions. If I am going to spend in another currency then I convert USD into that currency and spend it. I hold my USD as close as possible to my actual spend date, then convert before I spend, better yet I spend in USD and take the conversion on the s...
by Elysium
Wed Aug 29, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9937

Re: How do you save money on groceries?

Feel free to search my prior posts, I have talked about it many many many times. Bottom-line, food is fuel to me (and only slightly less so for my wife, and kids don't know any different); we eat the same things over and over and over again, and I know exactly how/where to get them cheapest. Almost...
by Elysium
Wed Aug 29, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9937

Re: How do you save money on groceries?

My wife likes to shop at Whole Foods exclusively, and after a period of fighting against it, I too have given in few years back. I have no idea how to save other than some prime member deals they started lately, buy 365 store brand, buy only what we need, etc. Our grocery bill usually is $400 per w...
by Elysium
Wed Aug 29, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: Just put $100K into TUR. Analysis inside
Replies: 71
Views: 3377

Re: Just put $100K into TUR. Analysis inside

This is really fun thread.. I just wanted to be here :D
by Elysium
Wed Aug 29, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9937

Re: How do you save money on groceries?

My wife likes to shop at Whole Foods exclusively, and after a period of fighting against it, I too have given in few years back. I have no idea how to save other than some prime member deals they started lately, buy 365 store brand, buy only what we need, etc. Our grocery bill usually is $400 per we...
by Elysium
Wed Aug 29, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: International investing and currency risk - why do it?
Replies: 43
Views: 2977

Re: International investing and currency risk - why do it?

There really isn't any reason to invest in foreign stock or bond holdings without hedging currency risk is there? So, why do it? Either invest domestically, as Bogle recommends, or invest in currency-hedged assets. If you should have international investments and if you should use currency hedging ...
by Elysium
Tue Aug 28, 2018 6:16 am
Forum: Personal Consumer Issues
Topic: How to repel wild dogs?
Replies: 65
Views: 5445

Re: How to repel wild dogs?

You can get something like a bear mace that sells on amazon, or a lighter spray called halt for smaller animals like dogs, coyotes, etc. I have one of these that I snuck in my cycling jersey when I go on extended rides through rural areas and there is a possibility to be riding alone. I have had som...
by Elysium
Tue Aug 28, 2018 6:03 am
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 5588

Re: Planning for an Indian wedding In NY/ NH area.

I think the problem here is complicated. Bride's parents are probably paying for most of it, but Bride herself isn't totally removed from it, That isn’t how I read this part of the OP: “She has a lavish wedding plan , with about 400 guests and 2-3 days of wedding. We don't want to burden our parent...
by Elysium
Mon Aug 27, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring to USA from Australia
Replies: 22
Views: 1460

Re: Retiring to USA from Australia

I have also heard that Australian homes are more spacious than homes in US, and people generally like to spread out. A modest home here may not be what they actually want if they are used to a large house in Australia and especially if this is a cultural thing. I don't know this is true personally, ...
by Elysium
Mon Aug 27, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 5588

Re: Planning for an Indian wedding In NY/ NH area.

I think the problem here is complicated. Bride's parents are probably paying for most of it, but Bride herself isn't totally removed from it, and she may be footing more than she has saved for this wedding. OP is worried about she spending money she doesn't have before they are even married. It is v...
by Elysium
Mon Aug 27, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring to USA from Australia
Replies: 22
Views: 1460

Re: Retiring to USA from Australia

I have no idea why anyone would want to retire to US from Australia, or any other developed country with a decent Healthcare plan, and that's just one of the many major issues they'll face. I do understand the strong pull regarding wanting to be close to kids amd grandkids etc. But it still does not...
by Elysium
Thu Aug 23, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: Sneaky ways to get into closed funds (e.g. POAGX in TN 529)
Replies: 32
Views: 2921

Re: Sneaky ways to get into closed funds (POAGX in TN 529)

Does that really matter? There are funds that claim to use certain "techniques" (e.g., momentum, value, multiple factors, etc.) that don't, in fact, do all that well. IF a fund is continuing to outperform (e.g., vs. "the market") over a lengthy time, presumably they've found their own "factors/tech...
by Elysium
Wed Aug 22, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Retirement location planning
Replies: 19
Views: 2161

Re: Retirement location planning

If you are thinking about coming west, CO, AZ, NM, NV may fit your criteria. NM and NV in particular may be of interest from lower cost perspective. Low humidity and if you get some altitude, few bugs. CO: Colorado Springs and Grand Junction NM: Santa Fe and Taos AZ: Flagstaff, Phoenix NV: Reno and...
by Elysium
Wed Aug 22, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Looking for help building a portfolio that can weather a bear market but can also get us to our goals.
Replies: 20
Views: 1720

Re: Looking for help building a portfolio that can weather a bear market but can also get us to our goals.

In your situation the Target fund that most closely meets your desired retirement age seems to be the best case given your choices in 401(k) plan. You can then adjust the overall allocation by adding low cost Vanguard funds in your Roth IRA and your spouse's Roth IRA. Assuming they are with Vanguard...
by Elysium
Tue Aug 21, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Retirement location planning
Replies: 19
Views: 2161

Re: Retirement location planning

I have no interest to move closer to Tampa Bay or Miami, as both are hurricane prone. I was thinking about Orlando because it is away from water and so probably less prone to hurricanes and flooding. But the crime rate stats is a problem, and the humidity and heat could be a problem too. Where does ...
by Elysium
Mon Aug 20, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Where to buy white, athletic fit dress shirt?
Replies: 52
Views: 3163

Re: Where to buy white, athletic fit dress shirt?

Brooks Brothers Milano cut for me. Met my expectations of a dress shirt that fits snug and comfortable. I have several of them.
by Elysium
Mon Aug 20, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Retirement location planning
Replies: 19
Views: 2161

Re: Retirement location planning

Are hurricanes are factor in Orlando area? isn't that more towards the coastal areas.

What other places fit the criteria listed above.
by Elysium
Mon Aug 20, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Retirement location planning
Replies: 19
Views: 2161

Retirement location planning

We are probably 6-10 years away from retiring (semi-retiring), and lately someone brought up topic of retirement locations away from the east coast weather pattern, potentially in warmer places. Florida / Orlando is the top place due to following factors: ( EDIT: Following are the major criteria, fe...
by Elysium
Fri Aug 17, 2018 6:34 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1156
Views: 95621

Re: It's not enough to mumble "Stay the Course" ??

" Stay the course . No matter what happens, stick to your program . I've said "Stay the course" a thousand times, and I meant it every time. I t is the most important single piece of investment wisdom I can give to you. " -- Jack Bogle in "Common Sense on Mutual Funds" (underline mine) Enough said....
by Elysium
Wed Aug 15, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 3472

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

According to the Fidelity retirement specialist, there are no distributions allowed from the plan unless through termination. So, if I were to consider early retirement at 55 that would require termination of plan which will result in all proceeds to be taxable at once. I can no longer keep the mon...
by Elysium
Wed Aug 15, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 3472

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

Talked to a Fidelity rep and they were very helpful. Opening a CMA account looks like a no brainer and simple process, but the Solo 401(k) is giving me some second thoughts based on the conversation. First, most of the usual things about the Solo 401(k) pros/cons at Vanguard vs Fidelity, Schwab etc ...
by Elysium
Wed Aug 15, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1156
Views: 95621

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

If at all someone were to reduce the allocation to one specific asset like INTL, then the right time to do so will be during a period of strength relative to other assets, and not during decline. I would wait until INTL starts outperforming US again and reduce after cumulative returns have surpassed...
by Elysium
Wed Aug 15, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Biking with 2 young children - what gear to get?
Replies: 26
Views: 1520

Re: Biking with 2 young children - what gear to get?

BTW, once your kids are a little older you can actually ride a proper tandem bike with them. Not the tandem trailer attached, but a proper bike with two pedal option. In our group there is a guy who rides every weekend with his 10 to 12 year old son and daughter alternatively in the back, and this i...
by Elysium
Wed Aug 15, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 3472

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

Regarding the solo 401k accounts, I have mine set up with Fidelity and have been pretty happy. You can learn more about both Fidelity and Schwab solo 401k accounts here: https://thecollegeinvestor.com/18174/comparing-the-most-popular-solo-401k-options/. Neither have a Roth option. Neither allow loa...
by Elysium
Wed Aug 15, 2018 9:47 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1156
Views: 95621

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

OP said: 5 years ago we owned 10 different Vanguard Funds - Asset Allocation - 69% Stock and 31% Bond. Foreign percentage of equities was 32% . Roughly 3 years ago we had reduced our different funds down to 6 (from 10) - Asset allocation - 64% Stock and 36% bond. Foreign percentage of equities was 3...
by Elysium
Tue Aug 14, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Biking with 2 young children - what gear to get?
Replies: 26
Views: 1520

Re: Biking with 2 young children - what gear to get?

To OP. I would not go on the road with kids on any of these trailer options, with cars driving by crazy. I do a lot of riding on the roads, solo and in groups, some car drivers pass by dangerously close, some are outright crazy. Dedicated bike trails are where I would limit the kids to, if you have ...
by Elysium
Tue Aug 14, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 3472

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

Regarding access to check writing / ATM, it isn't about timing, but being able to narrow it down to only what I really need. For instance, I may need to write a few smaller checks or odd amounts, and may not know cash withdrawal needs. If I keep money at Vanguard and transfer out to my regular bank,...