Search found 4629 matches

by iceport
Sat Apr 18, 2020 4:39 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75205

Re: Bogleheads community discussion - Coronavirus

For a good educational web-cartoon about pandemic modeling, you might want to check out this link: https://fivethirtyeight.com/features/a-comic-strip-tour-of-the-wild-world-of-pandemic-modeling/ Even I understood it! Yes, I found that enormously informative also! It demonstrates quite clearly why t...
by iceport
Sat Apr 18, 2020 4:21 pm
Forum: Personal Investments
Topic: Is it time for me to rebalance?
Replies: 41
Views: 2376

Re: Is it time for me to rebalance?

Most of my bond funds are at an all time high or pretty close. If you're bond allocation is higher than desired currently, what harm is there in rebalancing? Isn't this exactly what you want sell high, buy low? I just sold some bond ETFs and bough some equity like 2 weeks ago. Worked out well and w...
by iceport
Sat Apr 18, 2020 4:13 pm
Forum: Investing - Theory, News & General
Topic: Do most Bogleheads TLH?
Replies: 55
Views: 3365

Re: Do most Bogleheads TLH?

Thanks for the detailed tips. I do have all-in-one (TR) funds in my tax-advantaged accounts, though I could consider exchanging some of those too. For now, I did the following: sold shares of VASGX and bought 50% total stock, 33% total international, 17% intermediate CA Munis. Look reasonable? Yes,...
by iceport
Sat Apr 18, 2020 3:46 pm
Forum: Personal Investments
Topic: Is it time for me to rebalance?
Replies: 41
Views: 2376

Re: Is it time for me to rebalance?

I'm 38. My target AA based on my risk tolerance is 75/25. Right now my total portfolio AA is 72.5/27.5. This includes all my assets. What is your take on rebalancing? I tend to keep 5% bands but in moments like this I sometimes think about shorter bands. My take on rebalancing is that it is a tool ...
by iceport
Fri Apr 17, 2020 11:26 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75205

Re: Bogleheads community discussion - Coronavirus

Locking the whole country down because of a couple of hot spots makes no sense. There are counties that have no recorded cases. There are many counties that have fewer than 10 recorded cases. Why do they have to be locked down? If the number of cases there start to increase, you can institute a loc...
by iceport
Fri Apr 17, 2020 8:18 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75205

Re: Bogleheads community discussion - Coronavirus

This kowtowing to the single minded goals of the epidemiologists who finally get to play their table top games for real and their to h*** with everyone else attitude about all the collateral damage while they destroy people's lively hoods and cause damage which will reverberate through through the ...
by iceport
Fri Apr 17, 2020 2:20 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75205

Re: Bogleheads community discussion - Coronavirus

But please just stay home.1 The original stay at home order in my state was issued 3/30 and was to be for two weeks (although some business like restaurants, etc were closed 10 days earlier). Then the order was extended through 4/30. Well, okay. Let me tell you though, come 5/1 I don't give a d*** ...
by iceport
Fri Apr 17, 2020 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Tax planning
Replies: 38
Views: 2526

Re: Retirement Tax planning

Easier said. But...comments appreciated. This is all I meant: Traditional versus Roth/Calculations And this: Traditional versus Roth/Common misconceptions The second misconception is that "it's better to pay tax on the seed than the harvest." In other words, that it is better to pay a lesser tax am...
by iceport
Fri Apr 17, 2020 12:44 am
Forum: Investing - Theory, News & General
Topic: Do most Bogleheads TLH?
Replies: 55
Views: 3365

Re: Do most Bogleheads TLH?

Thanks everyone for the replies. Given the discussion this generated, perhaps it's not a complete no-brainer after all... Let's say that I'm warming up to the idea of TLH though. I currently have about 25k long-term losses and 2k short-term in VASGX. Dividend reinvestment is off. Can I simply excha...
by iceport
Thu Apr 16, 2020 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Tax planning
Replies: 38
Views: 2526

Re: Retirement Tax planning

Most of us would be glad if our tax bill was lower. But it is much better to receive an extra $1 and pay 24 cents in taxes on it then to not have the extra $1 at all. There’s a tremendous amount of suffering in our country right now. It’s a good time for those of us with enough assets/income to liv...
by iceport
Thu Apr 16, 2020 2:40 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75205

Re: Bogleheads community discussion - Coronavirus

I am lucky as our community has not overwhelmed our healthcare system like in the North East. What makes the situation more tolerable is that our volume has been down significantly. I could not imagine seeing the same volume of patients plus needing to worry about our safety. The safety part takes ...
by iceport
Thu Apr 16, 2020 2:34 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75205

Re: Bogleheads community discussion - Coronavirus

PAPR exhaust gets diffused into the clothing of the wearer since the hood layer is tucked beneath the gown during donning. I don't believe it's usable in a sterile surgical field either. EHMRs obviously are not useless for healthcare as they are used in two hospitals. There was also a presentation ...
by iceport
Thu Apr 16, 2020 2:12 pm
Forum: Personal Investments
Topic: Did I trigger a wash sale?
Replies: 14
Views: 764

Re: Did I trigger a wash sale?

Usually, who is flagging wash sales? Is that the broker itself? Or the IRS among some kind of revision? It depends on the circumstances. Sometimes your broker is required to report wash sales to the IRS, but not always — not even close. (And sometimes they get it wrong.) Always , individual taxpaye...
by iceport
Thu Apr 16, 2020 1:56 pm
Forum: Personal Consumer Issues
Topic: Best Way to Watch British Mystery Shows
Replies: 59
Views: 4285

Re: Best Way to Watch British Mystery Shows

In the case of Endeavour, it is the prequel to Morse and is set in the 1960s. It is beautifully photographed and well-acted although some of the plots are a bit overly complicated. The protagonists in these shows are circumscribed by forces outside of their control like class, administrative restri...
by iceport
Thu Apr 16, 2020 1:28 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75205

Re: Bogleheads community discussion - Coronavirus

The aspect I first thought of is how unbearably uncomfortable those masks get after several hours of wearing them. They really can get annoying to the point of distraction. Not as great a risk to be distracted when sanding a house as when performing a delicate procedure on a critically ill patient....
by iceport
Thu Apr 16, 2020 11:52 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75205

Re: Bogleheads community discussion - Coronavirus

Why do healthcare workers wear those throwaway N95 masks that only filter 95% of particles 0.3 micron and larger? Why don't hospital workers wear more effective masks like this North 7700 respirator which filters 99.97% of 0.3 micron and larger particles? They are reusable and can be washed. A Tiny...
by iceport
Thu Apr 16, 2020 11:41 am
Forum: Investing - Theory, News & General
Topic: Stimulus payment reduced by previous Roth conversion
Replies: 28
Views: 1848

Re: Stimulus payment reduced by previous Roth conversion

Seems that the rules are such that our stimulus payment was reduced by about $1000 because we had Roth conversions that caused our AGI to exceed $150,000. No way to anticipate this was coming. There is, in effect, a 5% tax on those conversions within a range of AGI values. Same sort of thing will p...
by iceport
Wed Apr 15, 2020 2:40 pm
Forum: Personal Consumer Issues
Topic: Yard Leaves: Mulch or Blow?
Replies: 21
Views: 1087

Re: Yard Leaves: Mulch or Blow?

Landscapers gave a quote to Mow/Mulch leaves in the yard for $170. Or to Mow/Blow leaves in the yard for $320. What would you do and why? It all depends... What kind of leaves are they? I always mulch as many early leaves that fall as possible: birch, maple, ash, etc. They add valuable organic matt...
by iceport
Wed Apr 15, 2020 2:14 pm
Forum: Investing - Theory, News & General
Topic: Do most Bogleheads TLH?
Replies: 55
Views: 3365

Re: Do most Bogleheads TLH?

I'm wondering if most people who consider themselves passive investors here do TLH. How do you estimate the benefits, and how do you make it dead-simple (if possible) so it becomes part of staying the course? I am firmly within the passive investor camp, and I try to manage my portfolio as passivel...
by iceport
Wed Apr 15, 2020 1:01 pm
Forum: Personal Investments
Topic: New Investments After Tax Loss Harvesting
Replies: 3
Views: 190

Re: New Investments After Tax Loss Harvesting

I agree with rkhusky to minimize open taxable positions, but it's a very personal choice. It is possible to side-step the dilemma entirely, though. The last two times I harvested equity losses, they were in VTMGX (Vanguard Developed Markets Index). I really prefer to hold an all-cap fund. I didn't w...
by iceport
Wed Apr 15, 2020 11:46 am
Forum: Investing - Theory, News & General
Topic: "Marketing timing" comments from a quant
Replies: 106
Views: 4566

Re: "Marketing timing" comments from a quant

But I do know my own returns. The Few, The Proud, The .... I used to really enjoy the annual returns polls here. From what I recall, out of sometimes hundreds of responses maybe 25% to 30% of the them might have looked suspect, but the rest seemed very plausible for the reported AAs that produced t...
by iceport
Wed Apr 15, 2020 11:30 am
Forum: Investing - Theory, News & General
Topic: "Marketing timing" comments from a quant
Replies: 106
Views: 4566

Re: "Marketing timing" comments from a quant

I doubt any market timers know the answer for their portfolio, but i am open lo learn if they share their own data. But the same can be said for "buy, hold, and rebalance" investors as well. We get reports of portfolio performances on this forum all the time from lots of folks, but very few of them...
by iceport
Wed Apr 15, 2020 11:08 am
Forum: Investing - Theory, News & General
Topic: How bad is market timing? Some thoughts
Replies: 37
Views: 2105

Re: How bad is market timing? Some thoughts

I'm curious how others see it. Thoughts? Is market timing bad because it reduces time in market and adds costs, or because humans just tend to have bad timing? I've adopted a passive approach to investing, seeking to capture the returns offered by the market, nothing more and — especially — nothing...
by iceport
Wed Apr 15, 2020 10:49 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab on AA -"Youre Fifty now what?"
Replies: 15
Views: 1635

Re: Charles Schwab on AA -"Youre Fifty now what?"

What's more curious is why target date retirement funds continued (or even continue) to glide down to very low equity allocations, long after studies have shown such low equity allocations are susceptible to loss of spending power due to inflation. I just double-checked the wife's 403(b) choice of ...
by iceport
Wed Apr 15, 2020 10:38 am
Forum: Personal Consumer Issues
Topic: Yard Leaves: Mulch or Blow?
Replies: 21
Views: 1087

Re: Yard Leaves: Mulch or Blow?

Landscapers gave a quote to Mow/Mulch leaves in the yard for $170. Or to Mow/Blow leaves in the yard for $320. What would you do and why? It all depends... What kind of leaves are they? I always mulch as many early leaves that fall as possible: birch, maple, ash, etc. They add valuable organic matt...
by iceport
Tue Apr 14, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: DIY Car Maintenance - Anyone grease the chassis?
Replies: 25
Views: 1365

Re: DIY Car Maintenance - Anyone grease the chassis?

After you're done greasing the zerk fittings don't forget to get out your timing light to adjust the timing and also set the points on your distributor. +1 File the points before gapping .032 with a flat feeler gauge. Adjust idle on both of the Holley dual quad carbs. Still have a Peske timing ligh...
by iceport
Tue Apr 14, 2020 9:07 pm
Forum: Investing - Theory, News & General
Topic: Did any Bogleheads blink?
Replies: 42
Views: 3981

Re: Did any Bogleheads blink?

I wouldn't be able to live with myself if I caused an investor to make a bad decision, no matter how soft the impact. I certainly wasn't thinking about your post. But when you step back and think about it, we're all potentially promoting actions that produce a drag on returns on a routine basis. An...
by iceport
Tue Apr 14, 2020 7:40 pm
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32648

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

This cat really has some wings! This strikes me as irrational, but we shall see how this continues to play out. Same here. Still seems like wishful thinking to me. FYI, here are a couple of articles extolling the virtues of using power consumption as a valid economic indicator. Electricity use in t...
by iceport
Tue Apr 14, 2020 6:22 pm
Forum: Personal Consumer Issues
Topic: DIY Car Maintenance - Anyone grease the chassis?
Replies: 25
Views: 1365

Re: DIY Car Maintenance - Anyone grease the chassis?

I agree with the comments so far — there really isn't anything to grease anymore. About the only thing I might do every few years is apply some light oil (sewing machine oil is great because it doesn't get gummy) to the door hinges, hood hinges and hood latch.
by iceport
Tue Apr 14, 2020 6:00 pm
Forum: Investing - Theory, News & General
Topic: Did any Bogleheads blink?
Replies: 42
Views: 3981

Re: Did any Bogleheads blink?

We may be only halfway to the bottom, but the fact is that we're significantly higher now than the previous bottom, so not rebalancing then has hurt thus far. However, it could go past the current bottom, not trigger any bands, and then the investor would ultimately be worse off. It's all pretty in...
by iceport
Tue Apr 14, 2020 4:52 pm
Forum: Investing - Theory, News & General
Topic: Did any Bogleheads blink?
Replies: 42
Views: 3981

Re: Did any Bogleheads blink?

Did any of you blink and miss your rebalancing opportunity that your IPS called for? Maybe you had 5% bands and the market only put you outside your bands for a few days, and you missed it. If you missed it and now you're back within bands, but still 3% light on equities, are you rebalancing now, o...
by iceport
Tue Apr 14, 2020 3:19 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab on AA -"Youre Fifty now what?"
Replies: 15
Views: 1635

Re: Charles Schwab on AA -"Youre Fifty now what?"

I am re reading Charles Schwabs book titled "Youre fifty, now what". I can paraphrase he states the single most important decision to make is asset allocation, but I was really surprised re reading the book at how aggressive he was/is toward allocation. He prefaces it by stating "I will say from th...
by iceport
Tue Apr 14, 2020 1:46 pm
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32648

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

This cat really has some wings! This strikes me as irrational, but we shall see how this continues to play out. Same here. Still seems like wishful thinking to me. FYI, here are a couple of articles extolling the virtues of using power consumption as a valid economic indicator. Electricity use in t...
by iceport
Mon Apr 13, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 743
Views: 39721

Re: What are you listening to now

LadyGeek wrote:
Mon Apr 13, 2020 8:46 pm
As for "Dark Side of the Mule", it's a very excellent rendition of Pink Floyd's Dark Side of the Moon. My stereo volume is currently set to 11. :)
That's the only way to hear them! :beer

You've got me looking forward to playing that CD on my outside speakers for yardwork tomorrow. 8-)
by iceport
Mon Apr 13, 2020 8:19 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 743
Views: 39721

Re: What are you listening to now

Gov't Mule Dark Side of the Mule, on CD, will be next. (I just found an entire stash of CDs that were missing from my collection...) That one's a real gem, LadyGeek! And they clearly honor the original artists. I saw Gov't Mule in a tiny club maybe 15 years ago... my ears rang for two days! (But it...
by iceport
Mon Apr 13, 2020 7:06 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75205

Re: Bogleheads community discussion - Coronavirus

538 has an explanation of coronavirus modeling, in comic form (although including quotes from experts). The main lessons are there are many differences between populations and there's a tremendous amount of uncertainty. https://fivethirtyeight.com/features/a-comic-strip-tour-of-the-wild-world-of-pa...
by iceport
Mon Apr 13, 2020 6:36 pm
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13672

Re: Safest way to get food

No, You Don't Need To Disinfect Your Groceries. But Here's How To Shop Safely The outline: Know the dangers — focus on the people, not the food Avoid crowds and shop quickly Wear a face covering Go alone Sanitize carts and hands Skip the gloves Give the cashier some space Choose no-touch payment wh...
by iceport
Mon Apr 13, 2020 6:09 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75205

Re: Bogleheads community discussion - Coronavirus

538 has an explanation of coronavirus modeling, in comic form (although including quotes from experts). The main lessons are there are many differences between populations and there's a tremendous amount of uncertainty. https://fivethirtyeight.com/features/a-comic-strip-tour-of-the-wild-world-of-pa...
by iceport
Mon Apr 13, 2020 5:42 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 743
Views: 39721

Re: What are you listening to now

Of the many excellent recent tributes to Mr. Prine, this is my favorite. https://youtu.be/CFLqYKjOVOk?t=157 :thumbsup :thumbsup :thumbsup Yes! I caught that one, too. She really captures the poignancy of the song. And it's like it was written for her unique vocal style. Just beautiful. Thanks for c...
by iceport
Mon Apr 13, 2020 2:06 pm
Forum: Personal Investments
Topic: Wash Sale Timeline
Replies: 4
Views: 301

Re: Wash Sale Timeline

If you are selling the exact same shares you bought on 3/13, you didn't need to wait for 31 days to sell. Wait really? Wouldn't that be a wash sale. Nope. The shares you are selling can't replace themselves. It's explained well here by a tax attorney: Wash Sales and Replacement Stock You don’t have...
by iceport
Mon Apr 13, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18642

Re: So what are you cooking

Bacon, caramelized onion and Asiago omelet with fresh rosemary, turmeric and black pepper.

8-)
by iceport
Mon Apr 13, 2020 1:35 pm
Forum: Personal Investments
Topic: Wash Sale Timeline
Replies: 4
Views: 301

Re: Wash Sale Timeline

It seems we're on a similar schedule. I sold VTMGX (Vanguard Developed Markets Index) in taxable and replaced it in tax-deferred on 3-11-20; I'm going to buy it back in taxable today. I also bought VFIAX on 3/13/2020. Does this mean I'm eligible to sell VFIAX without wash sale today (4/13/2020)? If ...
by iceport
Sun Apr 12, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13672

Re: Safest way to get food

I feel like I could have improved what I did in the latest round of grocery shopping. The previous time, I didn't think too much about virus on food packaging. That changed this latest time. InvisibleAerobar, Many of your measures are clever and effective. I especially like the "quarantine" method,...
by iceport
Sun Apr 12, 2020 12:55 pm
Forum: Investing - Theory, News & General
Topic: Does anybody have an IPS that says 'I will sell all equities when X happens'?
Replies: 92
Views: 4069

Re: Does anybody have an IPS that says 'I will sell all equities when X happens'?

Does anybody have an IPS that says 'I will sell all equities when X happens'? Nah. I'm not looking for yet another excuse to trade, under the illusion that doing so in some uniquely ingenious way will provide a recipe for beating the market. For those who are, by all means, scheme away... So are yo...
by iceport
Sun Apr 12, 2020 12:36 pm
Forum: Investing - Theory, News & General
Topic: Does anybody have an IPS that says 'I will sell all equities when X happens'?
Replies: 92
Views: 4069

Re: Does anybody have an IPS that says 'I will sell all equities when X happens'?

livesoft wrote:
Sun Apr 12, 2020 8:00 am
Does anybody have an IPS that says 'I will sell all equities when X happens'?
Nah.

I'm not looking for yet another excuse to trade, under the illusion that doing so in some uniquely ingenious way will provide a recipe for beating the market.

For those who are, by all means, scheme away...
by iceport
Sat Apr 11, 2020 12:32 pm
Forum: Investing - Theory, News & General
Topic: Am I being dumb ["standing and doing nothing"]?
Replies: 43
Views: 4014

Re: Am I being dumb ["standing and doing nothing"]?

But here is the thing, OP of this thread is not livesoft, and if many people starts thinking they can all be skilled at this, that's just not practical, so for most people it is better to treat re-balancing as a risk management tool. Why in the world would you presume livesoft has any "skill" at th...
by iceport
Fri Apr 10, 2020 7:59 pm
Forum: Investing - Theory, News & General
Topic: What if one rebalanced on March 16, the RBD?
Replies: 120
Views: 9175

Re: What if one rebalanced on March 16, the RBD?

livesoft wrote:
Fri Apr 10, 2020 7:50 pm
I'm giving iceport 70,000 livesoft points for that post. :sharebeer
Hey, that's something!! 8-)

Just trying to offer a "responsible opposing viewpoint."
by iceport
Fri Apr 10, 2020 7:40 pm
Forum: Investing - Theory, News & General
Topic: What if one rebalanced on March 16, the RBD?
Replies: 120
Views: 9175

Re: What if one rebalanced on March 16, the RBD?

I'm not sure what it proves. Anyone who rebalanced near the low will have done better than those (like me) who were too chicken. I forget the actual algorithm (is there one?) but it seems like there were enough RBDs before the bottom that actually trading them could have had some pretty bad results...
by iceport
Fri Apr 10, 2020 2:28 pm
Forum: Investing - Theory, News & General
Topic: Am I being dumb ["standing and doing nothing"]?
Replies: 43
Views: 4014

Re: Am I being dumb ["standing and doing nothing"]?

So here's the question: I belong to that group that says, "Stand there and do nothing" when the market is crashing. John Bogle and Taylor Larrimore are my biggest influence on investing and I feel they would say the same thing. But I see so many people here on this forum talking about moves they ha...