Search found 103 matches

by Mursili
Sun Aug 26, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 101
Views: 12901

Re: Call the Top!

Edit to add: Current Leader is gogleheads.orb with 2718.28 (...a natural choice I assume) Very well done there. If no one has taken 3141.59, I will try that. That little slice of pi was previously taken by rkhusky. Do you have another choice? You are making it hard here. Sure there are plenty of ir...
by Mursili
Sun Aug 26, 2018 12:43 am
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 101
Views: 12901

Re: Call the Top!

k66 wrote:
Fri Aug 24, 2018 4:41 pm
Edit to add: Current Leader is gogleheads.orb with 2718.28 (...a natural choice I assume)
Very well done there.

If no one has taken 3141.59, I will try that.
by Mursili
Fri Aug 24, 2018 9:14 am
Forum: Personal Investments
Topic: Include Bonds in Portfolio?
Replies: 19
Views: 2356

Re: Include Bonds in Portfolio?

3. If bonds ever come back and start yielding 10% we’ll see it coming from a mile away. Plenty of time to readjust allocations at that point. Yes, it might be obvious to see that bonds will then be yielding 10%. The hard part will be to understand if they are a good or bad investment at that time s...
by Mursili
Fri Aug 24, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 126
Views: 25709

Re: The Fall of Consumer Reports

Except for the crappy icemaker on my Samsung fridge, they have never let me down. I would never buy a non CR recommended used car. We recently re-subscribed to CR after quite a few years without. Our house is getting to the point where we will need to be replacing various things and I thought it wo...
by Mursili
Thu Aug 23, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 11734

Re: Edward Jones rep door knocking

And then you also have the problem that some solicitors don't consider themselves solicitors. Well, I am quite happy whenever a Girl Scout stops by to sell me some cookies. I have encountered plenty of positive attitudes when walking around the neighborhood with my Boy Scouts selling popcorn. Sure ...
by Mursili
Thu Aug 23, 2018 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 72
Views: 15319

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

Is that really a catch? Don’t you have to sign up for margin? I don’t think it’s turned on by default. I can’t seem to tell from looking at my account. I know this is an old thread, but I looked into whether I had margin turned on in our brokerage account. It is straightforward to find. Go to the a...
by Mursili
Sun Aug 19, 2018 10:08 pm
Forum: Investing - Theory, News & General
Topic: Treasury Bonds are the Only Bonds You Need
Replies: 195
Views: 27707

Re: Treasury Bonds are the Only Bonds You Need

As a rule, the duration of your bonds should match your investment horizon. If you are more 10 years from retirement, the bulk of your bonds should be intermediate or long-term bonds, not a cash-like pseudo-insurance product like a GIC. This statement seems to be a major sub-current within this thr...
by Mursili
Sun Aug 19, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 11734

Re: Edward Jones rep door knocking

Really? I guess this is one of those things that just depends. In the last few years I have answered the door while not expecting anyone only to find: Delivery people in "non-company" vehicles. (Numerous times--probably would have left the item, but who knows?) A neighbor bringing a package of ours...
by Mursili
Wed Aug 15, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: Magic Formula Results
Replies: 20
Views: 2768

Re: Magic Formula Results

I used the magic formula for about as long as you did. The difference is that I had it in an account with other activity and I have not had the time to compare the results of that portion of the account with any index. I enjoyed the learning experience of owning the individual stocks and dealing wit...
by Mursili
Tue Aug 07, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: [Question] Does History at any point give an example of a complete market crash?
Replies: 8
Views: 944

Re: [Question] Does History at any point give an example of a complete market crash?

Complete market crash? All empires rise and fall. The Egyptian, Greek and Roman economies have not recovered over millenia. Mongolia still has a long way to go following their 13th century crash. And what about poor Phoenicia? As you point out, even the "poor" Phoenicians' conquerors (the Romans an...
by Mursili
Wed Jul 18, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 56
Views: 6869

Re: Which minivan?

We love our 2014 Honda Odyssey. Yes, we have three kids, but that is not the reason we purchased ours. With the rear seat folded down it can fit all of us with a truly enormous amount of room for stuff. Alternatively, we have most of the rear seat folded down and put the kid planning on being least ...
by Mursili
Sun Jul 01, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: What is your one favorite Fidelity Fund??
Replies: 89
Views: 13896

Re: What is your one favorite Fidelity Fund??

Nowadays I would probably choose Fidelity Total International Index Fund (FTIPX) in preference to FDIVX. I suppose it is still on topic if I ask... Why FTIPX instead of FSGDX? The former tracks the MSCI ACWI IMI ex USA index and the latter tracks the MSCI ACWI ex USA index. The expense ratios are t...
by Mursili
Sun Jul 01, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2548
Views: 472098

Re: What are you up YTD? [Year To Date]

I do know that my future performance will closely track the weighted performance of the US and global equity markets and the US fixed income market (60/40). While that may be true, I think many people with index fund portfolios do strange things and underperform the weighted performance of such a b...
by Mursili
Sun Jul 01, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2548
Views: 472098

Re: What are you up YTD? [Year To Date]

That is a good question. I think most people actually don't calculate their portfolio performance correctly anyways. But I do think one should compare the performance of their portfolio to a suitable benchmark. That would require one to calculate their portfolio performance correctly and to select ...
by Mursili
Mon Jun 25, 2018 4:47 pm
Forum: Personal Investments
Topic: Am I talking about market timing or dollar cost averaging (or both?)
Replies: 11
Views: 1162

Re: Am I talking about market timing or dollar cost averaging (or both?)

...That is a good question. I am looking at what information I can find about this stable value fund. It says things like "calendar-year total returns" were 1.91% for 2017 and have been 0.91% for 2018 as of 5/31/2018. It also says that "average annual total returns" as of 5/31/2018 are 2.10%. These ...
by Mursili
Mon Jun 25, 2018 10:44 am
Forum: Personal Investments
Topic: Am I talking about market timing or dollar cost averaging (or both?)
Replies: 11
Views: 1162

Re: Am I talking about market timing or dollar cost averaging (or both?)

Thanks for everyone's input. There is a bit for me to think about here. I am glad that I am taking this slowly.
by Mursili
Mon Jun 25, 2018 1:02 am
Forum: Personal Investments
Topic: Am I talking about market timing or dollar cost averaging (or both?)
Replies: 11
Views: 1162

Re: Am I talking about market timing or dollar cost averaging (or both?)

A related question - what is your argument against stable value funds? I am kind of partial to them, in particular in a raising interest rate environment. It depends on the plan of course. I guess I would have two arguments against a stable value fund. I may very well not be thinking about this cor...
by Mursili
Sun Jun 24, 2018 7:09 pm
Forum: Personal Investments
Topic: “Buying the Dividend”
Replies: 17
Views: 2369

Re: “Buying the Dividend”

Go to your fund page's distribution tab, such as: https://investor.vanguard.com/mutual-funds/profile/distributions/vtsax The "Reinvest date" column (also known as Ex-Dividend date) is what you're looking for. If you buy on that day you won't get the dividend. If you buy before that date you will. W...
by Mursili
Sun Jun 24, 2018 6:27 pm
Forum: Personal Investments
Topic: Am I talking about market timing or dollar cost averaging (or both?)
Replies: 11
Views: 1162

Am I talking about market timing or dollar cost averaging (or both?)

I recently reviewed my IPS and decided to greatly simplify my holdings and to update my asset allocation to reflect the nearness of retirement. My goal is a 60/40 (equities/fixed income) allocation with approximately 30% of equities as international. I am at this allocation today in equities with FS...
by Mursili
Sat Jun 23, 2018 9:31 pm
Forum: Investing - Theory, News & General
Topic: Anyone use “baskets”at fidelity?
Replies: 19
Views: 3283

Re: Anyone use “baskets”at fidelity?

Each stock appeared in "Positions" as it's own position. It was just as easy to trade a position purchased in a basket as any other position held in the account.
by Mursili
Sat Jun 23, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: Anyone use “baskets”at fidelity?
Replies: 19
Views: 3283

Re: Anyone use “baskets”at fidelity?

I have used baskets quite a bit at Fidelity to play around with the Magic Formula method. I found that it worked very well at purchasing a set of stocks. Because of the nature of the method, I ended up selling those stocks individually and never as a basket.
by Mursili
Sat Jun 23, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 484
Views: 55950

Re: What is/ was your career and would you recommend it now?

Mechanical Engineer (ME) here with an emphasis on the fluids and thermo-physics side of the house. Ending up specializing in explosives technology. I can tell you the field is really booming! I would certainly recommend ME to anyone, but I went the path of getting a PhD and working at a government l...
by Mursili
Fri Jun 22, 2018 11:36 pm
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 9039

Re: Surprise - Costco sells - but does not install vehicle batteries

I guess I'd argue if you can't install a battery maybe you shouldn't be driving a car. If you are young and strong, this might be valid. If you are elderly, or have a bad back, lifting a 30 to 40 lb. battery in and out of a car might not be possible. I have found that, apart from the ease of access...
by Mursili
Sat Jun 09, 2018 1:32 pm
Forum: Personal Investments
Topic: Do you change your AA in discrete chunks or gradually?
Replies: 20
Views: 1694

Re: Do you change your AA in discrete chunks or gradually?

However I don't rebalance that way, I do it by changing the allocation of new inbound money. Just overweight the new funds to tilt your overall allocation back to the desired level, then resume the target allocation for new funds. I used to do that, but as I get nearer retirement, the size of the a...
by Mursili
Mon Jun 04, 2018 12:05 am
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 5355

Re: Travel advice for an engineer

Actually you do not need to travel anywhere to see the ISS, just sign up at https://spotthestation.nasa.gov/ and wait.

Warning - you can't really get closer than 250 miles from it.
by Mursili
Sat Jun 02, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 5355

Re: Travel advice for an engineer

Perhaps this is minor compared to the grand scale of the locations on the lists in this thread, but I am an engineer and have long been amazed of the ruins in Chaco Canyon here in New Mexico. For a land of limited population and resources, the ancient puebloans did some pretty amazing things. https:...
by Mursili
Sat Jun 02, 2018 12:36 am
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 5355

Re: Travel advice for an engineer

The Great Pyramid of Giza. The tallest man-made structure for 3800 years. Surpassed by the Eiffel Tower. The Pantheon. Still the largest unreinforced concrete dome ever built. M·AGRIPPA·L·F·COS·TERTIVM·FECIT. Marcus Agrippa, son of Lucius, in his third consulate, made it. I was surprised to see the...
by Mursili
Thu May 31, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Moving From Quicken: Moneydance, YNAB, GnuCash or other?
Replies: 38
Views: 13715

Re: Moving From Quicken: Moneydance, YNAB, GnuCash or other?

I know I can upload my transactions into GnuCash, so that's no problem. But once I have a bunch of credit card transactions in the credit card account, how do I "categorize" them. It seems every transaction will ultimately have to be in both the credit card account, AND in another account, denoting...
by Mursili
Thu May 31, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Home printer
Replies: 50
Views: 4138

Re: Home printer

I am pretty happy with modern inkjet printers. I find their problems are way fewer than they were two decades ago. Still, the price of ink is ridiculous. I would consider a laser printer for that reason. Still, I use my printer as a scanner much more than I use it as a printer. It works quite well i...
by Mursili
Thu May 31, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 10687

Re: Router hack, have you acted?

dbr wrote:
Thu May 31, 2018 7:43 am
Anything a person really, really does not want the rest of the world to see should never go into an e-mail.
This depends entirely on the network being used. There are some large networks specifically designed so that the rest of the world does not see what goes on in them.
by Mursili
Thu May 31, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 10687

Re: Router hack, have you acted?

I've had enough bad issues with firmware updates in the past that I'm waiting for a nice calm period of time, in a couple of weekends, to do anything more than that. At least for some Netgear hardware, the actual exploit was announced some months ago. At that time, I began to look for updates using...
by Mursili
Wed May 30, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 63
Views: 8295

Re: Quicken Alternatives

I was using the DOS version of Andrew Tobias' Managing Your Money for many years, but it won't easily work on my new Windows 10 computer. I was using it to balance my checkbook, and to track categories for checks, mainly charitable contributions. Most of my receipts and payments are electronic, but...
by Mursili
Fri May 11, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Reccommended Minivans
Replies: 31
Views: 2902

Re: Reccommended Minivans

Love my 2016 Odyssey, but it was just a shade over $30k. We actually liked the new Pacifica better, but were worried about Chrysler's reliability so went with Honda. +1 Have a 2012 Odyssey - it's been great and we hope to have it at least 5 more years. +1 We have a 2014 Odyssey that replaced at 200...
by Mursili
Wed Feb 28, 2018 12:49 am
Forum: Investing - Theory, News & General
Topic: Boglehead contradiction, constant asset allocation is market timing
Replies: 100
Views: 10529

Re: Boglehead contradiction, constant asset allocation is market timing

bogglehead125 wrote:
Tue Feb 27, 2018 9:23 pm
Blindly comparing the two numbers is irrational.
Actually the ratio of two numbers is the definition of rational.

This discussion makes me wonder if dollar cost averaging is market timing to the OP since you "buy more when shares are down and less when shares are up?"
by Mursili
Sat Aug 16, 2014 10:13 pm
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 67
Views: 9053

Re: Motorcycle for short commute?

Are there motorcycles that come with air conditioning? Where I live any time my motorcycle is moving I have a form of air conditioning. I have ridden for several years now. I realize some of the danger. If you prepare yourself, you can overcome much of the risk. If you are routinely riding at highw...
by Mursili
Thu Aug 14, 2014 10:04 pm
Forum: Personal Consumer Issues
Topic: Minivan time! Opinions on 2013 Town & Country, Please
Replies: 23
Views: 3922

Re: Minivan time! Opinions on 2013 Town & Country, Please

I highly recommend power sliding doors. We got the lowest trim level Odyssey back in '01 (which we still like a lot), but its largest issue is getting the sliding doors open if they are sticking on the gaskets. When we replace this vehicle, we will get one with power doors.
by Mursili
Wed Jun 18, 2014 11:55 pm
Forum: Investing - Theory, News & General
Topic: To stay a Boglehead, I have to leave Bogleheads.org
Replies: 56
Views: 8035

Re: To stay a Boglehead, I have to leave Bogleheads.org

... although for the most part the noise here at bogleheads is less damaging than outside noise. Good luck. The OP thought he might go fishing. In that case, the "outside noise" might be better than the noise here on bogleheads. Listening to the wind in the trees is a great way to make money compou...
by Mursili
Thu May 29, 2014 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Vanguard
Replies: 75
Views: 11930

Re: Fidelity vs. Vanguard

On the theoretical level, you can't deny that the incentive exists and in the best case it's only corporate policy that keeps them from being more aggressive about it. If we are to consider this theoretically - as opposed to considering it based on the current evidence - if, one day, one fund manag...
by Mursili
Wed May 28, 2014 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella excess liability policy
Replies: 103
Views: 23637

Re: Umbrella excess liability policy

If I don't carry uninsured motorists coverage and I am injured by an uninsured motorist, then whatever other insurance I have, such as major medical coverage, will be my only recourse. And there is the rub. While someday you will likely not be out a lot of money, your major medical insurer will lik...
by Mursili
Sun Apr 27, 2014 5:38 pm
Forum: Personal Investments
Topic: Raytheon Stock [Advice]
Replies: 14
Views: 3625

Re: Raytheon Stock Advise

We own some RTN. We invest our taxable account (not the most efficient tax-wise) in magicformulainvesting.com stocks. I recommend reading The Little Book That Beats the Market. It is not very BH-like and some (many?) around here can get snippy about "magic formulas." Still, it is really just another...
by Mursili
Sun Apr 27, 2014 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella excess liability policy
Replies: 103
Views: 23637

Re: Umbrella excess liability policy

The fact that no one here can offer much guidance on umbrella or UM/UIM leads me to believe there isn't any anywhere. I do not know if UM/UIM insurance is a good value or not, but the experience of a co-worker led me to consider it differently. He was riding a motorcycle on a highway and someone tu...
by Mursili
Sun Apr 13, 2014 3:19 pm
Forum: US Chapters
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 14537

Re: I saw a "Boglehead" on my flight yesterday!

LowER wrote: I still want a Boglehead pen, or several!!
I'm a stalwart Boglehead! I will pay any price for your pens. :twisted:
by Mursili
Sat Mar 29, 2014 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 328
Views: 79141

Re: What age did you reach 100K networth?

Given our historic savings rate and the fact that I started my postdoc at age 29, I am pretty sure that we made 100K in net worth by the time I was 31 years old. That gives DW a year into her postdoc. We did not have debt coming out of school (other than a small amount on my car - purchased before I...
by Mursili
Sat Mar 29, 2014 6:30 pm
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 6971

Re: Replacement for Windows XP Computer

Harold, I agree that replacing a 10 year old computer is the right thing to do. I am just surprised that there was not more BHs who suggested the free alternative. Linux is an acquired taste - though once acquired it is never lost. Linux has so many other capabilities it is not really a fair compari...
by Mursili
Sat Mar 29, 2014 6:16 pm
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 13775

Re: Frugal Fatigue

But depending on your type of job, it's sometimes possible to take additional unpaid time off without big issues. I had four weeks of paid vacation per year but usually took five or six total my last few years of employment... I understand this entirely. Since we live the way we do, we could easily...
by Mursili
Sat Mar 29, 2014 5:58 pm
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 6971

Re: Replacement for Windows XP Computer

That is very similar to the choice about my microwave. Living the frugal lifestyle, we live our lives happily until the magnetron (most likely) dies in our microwave. I considered repairing the unit in order to not have to make a choice on something new, but the cost of the magnetron itself is not i...
by Mursili
Sat Mar 29, 2014 5:12 pm
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 6971

Re: Replacement for Windows XP Computer

Well, frankly I got tired of thinking about this. So I went ahead and ordered an Acer Aspire ATC-605-UR14. Since it's overkill, maybe I'll quit my job and take up gaming for the next few years until technology catches up. I'll make my next post about buying a $400 toaster, because you know - I can'...
by Mursili
Sat Mar 29, 2014 4:37 pm
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 13775

Re: Frugal Fatigue

Now that we have been frugal for some time and make good incomes we are in a position to spend a bit more if desired. Yet our frugality is not the problem. The problem with jobs and kids and everything else is that we cannot afford the time (as opposed to the cost) to take the whole family on a tour...
by Mursili
Sat Mar 29, 2014 3:19 pm
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 5032

Re: Is there Software for one's car maintenance schedule

I did not find s/w but I did take the suggestion of a member above and built an Excel spreadsheet that listed: On the left hand side the 25 some items that need maintenance. Then across the top of the spread sheet horizontally I have 6 columns: 2-the odometer and amount of time in months/years sugg...
by Mursili
Sat Mar 29, 2014 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: "Spinning Off" my 20 Year Old Son
Replies: 71
Views: 9027

Re: "Spinning Off" my 20 Year Old Son

Come to think of it, I did get a nice letter from the Selective Service folks :happy I recently had to fill out a form for work that asked for my selective service number. Luckily the form provided an easy link to looking that up since I did not keep that paperwork from ~30 years ago. I figured the...