Search found 319 matches

by bb
Fri Oct 21, 2011 4:05 pm
Forum: Investing - Theory, News & General
Topic: Bogle's commets on future stock returns
Replies: 5
Views: 1499

Re: Bogle's commets on future stock returns

Fixed link. Sorry about that. Sometimes a google search allows you to see
content but when you copy the url after you are at the content you can't use
that url to see the content anymore.
by bb
Thu Oct 20, 2011 5:58 pm
Forum: Investing - Theory, News & General
Topic: Bogle's commets on future stock returns
Replies: 5
Views: 1499

Bogle's commets on future stock returns

Have read/listened to John Bogle's comments regarding future expected stock returns: http://www.google.com/url?sa=t&rct=j&q=bogle%2Billusion%2Bof%2Bnumbers&source=web&cd=2&ved=0CCEQFjAB&url=http%3A%2F%2Fwww.ft.com%2Fcms%2Fs%2F0%2Fe441c07e-5ac7-11e0-8900-00144feab49a.html&...
by bb
Wed Oct 19, 2011 10:42 am
Forum: Investing - Theory, News & General
Topic: Jack's Interview @ Bogleheads 10
Replies: 2
Views: 683

Re: Jack's Interview @ Bogleheads 10

Noticed Jack mentioned going down on bond quality to get greater yield. Has Jack Bogle often mentioned doing this to increase bond yields? I don't recall him recommending that before. Is over weighting investment grade bonds the same thing as active management when it comes to stocks or is there a d...
by bb
Sat Aug 20, 2011 10:10 am
Forum: Personal Finance (Not Investing)
Topic: ROI on your investment real estate
Replies: 59
Views: 7929

Not saying it is correct but I prefer to look at return as net divided by purchase price and compare to other investments such as stocks
and bonds - neither of which I am going to employ leverage.
I have x dollars - which offers a better return - investment x,y, or z.
by bb
Mon Aug 08, 2011 8:34 am
Forum: Investing - Theory, News & General
Topic: Burton Malkiel : don't panic
Replies: 16
Views: 3328

Isn't saying PE10 is not a good measure because earnings are
so high an oxymoron? Isn't that the point of the PE10 in the
first place - to smooth out the spikes?
by bb
Sun Aug 07, 2011 6:09 pm
Forum: Personal Investments
Topic: best way to look for a business to buy
Replies: 3
Views: 784

I can't really answer any of these questions. Service business, distributor, small company that makes a product, company where I could transition my technical background. I would like to do research to see what's out there but all I typically see is small retail businesses or restaurants. I have no ...
by bb
Sun Aug 07, 2011 3:12 pm
Forum: Personal Investments
Topic: best way to look for a business to buy
Replies: 3
Views: 784

best way to look for a business to buy

I have been to websites like bizbuysell.com and noticed that most of the businesses are restaurants, gas stations, etc. Any opinion on the best way to research businesses for sale. How are businesses generally sold once you get beyond restaurants, laundromats, gas stations, small retail stores, etc....
by bb
Sat Jul 30, 2011 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: engineering career as one ages
Replies: 69
Views: 9385

tibbitts wrote:Most people still don't considering coding as having much to do with engineering, so maybe the post should be retitled.

Paul
Well an asic/fpga hardware design engineer codes.
by bb
Sat Jul 30, 2011 9:45 am
Forum: Personal Finance (Not Investing)
Topic: engineering career as one ages
Replies: 69
Views: 9385

engineering career as one ages

I was reading some stuff by Vivek Wadhwa who argued older engineers need to transition to management, architecture role as they age - essentially that engineering is a move up or out profession, ie. you won't be coding in your 50's. Do other engineers generally agree with this assessment? What is a ...
by bb
Thu Jul 28, 2011 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: umbrella policy
Replies: 16
Views: 3545

I noticed that the umbrella seems to cover bodily injury obviously not tied to a particular property but still requires an underlying home owners/renters policy. Does a home owners/renters policy cover bodily injury on your property and also off your property?
by bb
Wed Jul 27, 2011 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: umbrella policy
Replies: 16
Views: 3545

umbrella policy

I was playing sqush this week and ran over my opponent (should not be part of the game - my mistake). Someone ask me what would happen if I got sued. This got me thinking that was a legitimate concern. My insurance agent (state farm) stated I could get an umbrella policy in addition to a renters/hom...
by bb
Thu May 12, 2011 9:48 pm
Forum: Personal Consumer Issues
Topic: Very Slow Computer
Replies: 33
Views: 4080

+1

for a fresh install of the Windows OS if possible.
by bb
Mon May 02, 2011 6:02 pm
Forum: Personal Consumer Issues
Topic: Scott Burns - Should We Eat Dessert First
Replies: 54
Views: 8052

My point was it really comes down to trading off probabilities and the probability of not living 30 years seems never really seems to get brought up. Does that mean you spend your money foolishly - maybe not. But does it mean you retire a little earlier than you would, or if you are forced to retire...
by bb
Mon May 02, 2011 12:08 pm
Forum: Personal Consumer Issues
Topic: Scott Burns - Should We Eat Dessert First
Replies: 54
Views: 8052

I think spending patterns as we age was a minor point of the article. I think the fundamental point is the odds that people are actually going to live as long as a 30 year portfolio is not high. What you do based on that information could really be another thread. Spending patterns as we age is obvi...
by bb
Sun May 01, 2011 12:24 pm
Forum: Personal Consumer Issues
Topic: Scott Burns - Should We Eat Dessert First
Replies: 54
Views: 8052

One take away could be spend more of your money sooner rather than later. Another equally valid take away would be to temper the fear of running out of money. Since there are no guarantees the amount someone could worry is infinite.
by bb
Sat Apr 30, 2011 10:24 pm
Forum: Personal Consumer Issues
Topic: Scott Burns - Should We Eat Dessert First
Replies: 54
Views: 8052

Scott Burns - Should We Eat Dessert First

Interesting column by Scott Burns regarding spending money today or wait until tomorrow. http://assetbuilder.com/blogs/scott_burns/archive/2011/04/29/should-we-eat-dessert-first.aspx "Only 20,898 survive 25 years, so there is a 75 percent chance we won’t be around to notice if our money outlast...
by bb
Sun Mar 06, 2011 1:21 pm
Forum: Investing - Theory, News & General
Topic: Question on "Telltale Chart"
Replies: 5
Views: 1113

If there is RTM amoung asset classes shouldn't the cumulative return of 1 asset class divied by the cumulative return of another asset class converge on a value of 1.0 ? Not 5 ?
by bb
Sun Mar 06, 2011 12:23 pm
Forum: Investing - Theory, News & General
Topic: Question on "Telltale Chart"
Replies: 5
Views: 1113

Question on "Telltale Chart"

Started to read John Bogle's "Telltale Chart" - Somewhat confused by the charts/graphs. Referring to RTM of 4x25 vs S&P 500 graph would seem to indicate there has been a significant advantage to S&D portfolio. I am having trouble matching up the text to the graph. For example he sa...
by bb
Fri Feb 18, 2011 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Deleted
Replies: 71
Views: 19643

The Wizard wrote:practically all of us are "millionaires" by age 50 or so if we've held a decent job from the beginning.
I have never seen any statistics to suggest that statement is true.
by bb
Fri Feb 18, 2011 8:51 am
Forum: Personal Consumer Issues
Topic: I really love the forum, but...
Replies: 87
Views: 12982

Threads limited to investing advice avoids the problem.
by bb
Fri Feb 11, 2011 9:17 am
Forum: Investing - Theory, News & General
Topic: What you need to know to do it on your own
Replies: 42
Views: 4821

So far the discussion has centered around can an investor do it themselves or do they need to pay an advisor a yearly fee. I assume a fee only advisor is potentially an economic solution to the problem as well.
by bb
Thu Feb 10, 2011 6:37 pm
Forum: Personal Investments
Topic: Reasonable return for a business
Replies: 9
Views: 1344

If you hired people for all positions and you just managed the business how much would the business make? It is not clear you are not buying a job. How many hours per week are you going to work in the business?
by bb
Sat Jan 01, 2011 9:56 am
Forum: Personal Consumer Issues
Topic: Career advice Sought for future Graphic Designer
Replies: 15
Views: 2171

I suggest just going and talking to some folks locally that are
employed as graphic designers.
by bb
Fri Dec 03, 2010 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: NYT: Why Saving Account Rates are so Pathetic
Replies: 9
Views: 2419

that seemed like a really long winded way of saying supply vs demand
by bb
Mon Nov 29, 2010 8:48 pm
Forum: Investing - Theory, News & General
Topic: A Dying Banker's Last Financial Instructions
Replies: 92
Views: 16223

KyleAAA, I think you must realize most people come to this forum to discuss investing in mutual funds so naturally the argument involves actively managed mutual funds vs index funds. Could you provide more detail on what your definition of active management is. Seems like the ongoing discussion has ...
by bb
Sun Jul 25, 2010 11:07 am
Forum: Investing - Theory, News & General
Topic: Scott Burns comments on low interest rates
Replies: 41
Views: 6370

Here is a main point of my confusion. If the economy is weak and
inflation is not a threat why wouldn't the government always want
the lowest interest rate possible? Ideally absenst the threat of
inflation woudn't interest rates be as close to 0 as feasible?
by bb
Sat Jul 24, 2010 11:47 am
Forum: Investing - Theory, News & General
Topic: Scott Burns comments on low interest rates
Replies: 41
Views: 6370

Earth to forum members. This thread is not to complain about the interest rate, complain about government policy, talk about saving. I am simply asking for a discussion about the current interest rate, factors which are affecting the current interest rate to try to understand if any of the factors c...
by bb
Sat Jul 24, 2010 10:29 am
Forum: Investing - Theory, News & General
Topic: Scott Burns comments on low interest rates
Replies: 41
Views: 6370

Specifically what are you referring to as quantitative easing? Would
there not normally be quantitative easing when the economy is weak
and inflation is not a threat?
by bb
Sat Jul 24, 2010 10:00 am
Forum: Investing - Theory, News & General
Topic: Scott Burns comments on low interest rates
Replies: 41
Views: 6370

Please note this thread was not meant to be a rant. I should have said Scott Burns has implied there is a war on savers, not seniors. The point of my post was to try and reconcile information from Scott Burns who seems fairly knowledgeable with reality. Are there specific government policies that ar...
by bb
Thu Jul 22, 2010 6:30 am
Forum: Investing - Theory, News & General
Topic: Scott Burns comments on low interest rates
Replies: 41
Views: 6370

Scott Burns comments on low interest rates

I have read a couple of comments by Scott Burns where he declares
low interest rates as a war on seniors by the government. My question
is in the absense of inflation wouldn't interest rates be this low normally
or is there something specific happening now to keep interest rates
low?
by bb
Mon May 31, 2010 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: ARG! Can I reduce my car expense?
Replies: 84
Views: 10501

don't forget to add in the annual depriciation :)
by bb
Sun May 16, 2010 4:33 pm
Forum: Investing - Theory, News & General
Topic: vanguard account protection
Replies: 1
Views: 534

Responces can be purposely vague if necessary.
by bb
Sun May 16, 2010 4:32 pm
Forum: Investing - Theory, News & General
Topic: vanguard account protection
Replies: 1
Views: 534

vanguard account protection

I called vanguard to understand what security options were available
on my account and they mentioned a few but said it is not purposely
documented for security reasons.

So I guess this brings up the question. What if any account security
options has anyone placed on their vanguard account?
by bb
Thu Apr 22, 2010 6:46 am
Forum: Personal Investments
Topic: When can we stop saving for retirement? (But not retire)
Replies: 74
Views: 12848

- finally, I struggle a little with your husbands position. if his job is really that bad, shouldn't he left a long time ago and found something he liked? over all these years, he couldn't come up with something else that interests him? 180k is good, but it's not like other jobs wouldn't pay simila...
by bb
Thu Mar 18, 2010 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Sick of my engineering profession
Replies: 81
Views: 24078

I would not assume people are lying. My question would be do they have different expectations or think about work differently than you do. Obviously my opinions are dominated by my personal experiences. It has not been my impression that the majority of people that I have worked with "really en...
by bb
Thu Mar 18, 2010 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Sick of my engineering profession
Replies: 81
Views: 24078

I have certainly had thoughts along the lines of the OP. I agree there is a conflict between working to earn a living and doing something you enjoy. I keep thinking that work should be enjoyable but at the end of the day earning a living is the only constant I keep coming back to. It's a job. If you...
by bb
Sat Feb 13, 2010 1:52 pm
Forum: Investing - Theory, News & General
Topic: The 50% fallacy
Replies: 128
Views: 21372

Re: The 50% fallacy

tadamsmar wrote:
I wonder if there are any Bogleheads have made an attempt to square their philosophy of investment risk on the facts rather than on a fallacy?

If so, please speak up.
I have read through this thread and I assume the OP would agree
with me the answer is YES.
by bb
Sun Jan 31, 2010 10:56 am
Forum: Personal Investments
Topic: considering hiring a fee only planner. I'm I carzy?
Replies: 47
Views: 6024

If this advisor is so good at predicting the future what does he need
your money for?
by bb
Sat Jan 30, 2010 10:57 am
Forum: Investing - Theory, News & General
Topic: Zweig: Picking the Right Countries (Start at Market Weights)
Replies: 29
Views: 5514

William Bernstein's latest book does not advocate an allocation that
mirrors a world index. The reasons he gave:

(1) Currency risk
(2) Foreign stock riskier
(3) Foreign stock more expensive to own
by bb
Sun Jan 24, 2010 2:07 pm
Forum: Personal Investments
Topic: American Funds Capital Inc Fund
Replies: 2
Views: 899

American Funds Capital Inc Fund

Someone I know was discussing purchasing this fund. I am biased toward index funds. The person was comparing the fund perfomace to the S&P 500 index. I said that was not a fair comparison due to the composition of the fund. I said a more fair comparison would be to compare to a mixture of bond i...
by bb
Tue Jan 19, 2010 9:17 pm
Forum: Investing - Theory, News & General
Topic: Jan. 18 WSJ Op Ed By Mr. Bogle
Replies: 22
Views: 3556

It's interesting and ironic that Bogle's well-expressed angst about the state of capital markets provides one of the best arguments around for NOT buying-and-holding stocks anymore. I am not sure that is a correct statement. Bogle is stating speculation is resulting in high stock turn over. Index f...
by bb
Sun Jan 10, 2010 11:16 am
Forum: Personal Investments
Topic: $700,000 to last a lifetime: what do you do with it?
Replies: 47
Views: 8637

I am curious why you have not mentioned going on disability as an
option. Is there any chance you would be better off staying in the us
and going on disability instead of moving? Or is the decision to move
not based on financial reasons?
by bb
Tue Jan 05, 2010 9:44 pm
Forum: Forum Issues and Administration
Topic: link not working
Replies: 1
Views: 827

I scrolled down and saw someone posted an updated link.
by bb
Tue Jan 05, 2010 9:38 pm
Forum: Forum Issues and Administration
Topic: link not working
Replies: 1
Views: 827

link not working

Not sure if this portion of the forum is not meant to be up to date anymore or not: Link: http://www.bogleheads.org/forum/viewtopic.php?t=145 then 1. Maximizing Long-Term Wealth Accumulation:It?s Not Just About "What" Investments To Make, But Also "Where" To Make Them Does not se...
by bb
Sun Jan 03, 2010 11:00 pm
Forum: Investing - Theory, News & General
Topic: Resetting Taxable Cost Basis Every Few Years
Replies: 39
Views: 5092

A few of the papers I have read regarding asset location seem to indicate that part of the rationale for locating stocks in taxable accounts is that paying taxes on capital gains can be deferred. One of the the papers pointed out the longer the holding period the lower the effective capital gains ta...
by bb
Thu Dec 31, 2009 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: private sector job security
Replies: 19
Views: 2387

I think living below your means and having savings are obvious strategies in case of unemployment. I guess my question is are there any strategies which would make it substantially less likely to be layed off say in your 50's. For example, make sure you are a manager instead of a worker bee? Make su...
by bb
Thu Dec 31, 2009 11:06 am
Forum: Personal Finance (Not Investing)
Topic: private sector job security
Replies: 19
Views: 2387

private sector job security

Although I have never been unemployed it is something that concerns me. The main concern I have is being layed off at an age where I will not be able to find a job. My question is does this mean you should be much more pro-active with regards to career, making strategic moves, etc. or more or less c...
by bb
Sun Dec 27, 2009 9:32 am
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Overstate Difficulty of Stock Picking?
Replies: 189
Views: 28260

Active stock picking for large cap stocks also seems the most implausible area to add value. What are you going to discover that an army of analysts covering each large cap stock don't already know and isn't already public. Also, take a large cap stock like GE - I would love for someone to tell me h...
by bb
Sat Dec 26, 2009 11:36 pm
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Overstate Difficulty of Stock Picking?
Replies: 189
Views: 28260

Petrocelli: What % of your net worth is devoted to your active stock picks? This may indicate your confidence in this approach. billspetrino: You keep bringing up reinvesting dividends and compound interest as if this is something that is not available to a mutual fund investor. I have no problem wi...
by bb
Fri Nov 27, 2009 1:53 pm
Forum: Personal Investments
Topic: Contribute after-tax dollars to 401k and Traditional IRA?
Replies: 10
Views: 4033

Can't after tax contributions to a 401k make sense
to increase the amount of fixed income that can be held in a
deferred account?

(assumes desired fixed allocation can't
be held in a tax deferred account)