Search found 343 matches

by gnosis
Tue Sep 20, 2011 6:15 pm
Forum: Personal Consumer Issues
Topic: Hypermiling: The Art of Squeezing MPGs
Replies: 184
Views: 22419

This same thing happened to a friend of mine this summer. She was doing 70MPH (speed limit 65) in the left lane on the Massachusetts Turnpike. She got pulled over by a state trooper, and was preparing to tell her daughters in the car that "mommy got pulled over for speeding...". Much to her surpris...
by gnosis
Mon Sep 12, 2011 3:58 pm
Forum: Personal Investments
Topic: AAA Discover 10 year CD at 3.06 APR?
Replies: 15
Views: 2287

by gnosis
Wed Sep 07, 2011 8:35 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1138
Views: 290407

There's no such thing as a fake watch... unless it doesn't actually tell time. :P
by gnosis
Fri Sep 02, 2011 2:58 pm
Forum: Personal Investments
Topic: who is buying stocks today after sobering jobs report?
Replies: 58
Views: 7964

What's a jobs report?

Jimmy Crack Corn and _ ____ ____.
by gnosis
Thu Sep 01, 2011 9:28 am
Forum: Personal Consumer Issues
Topic: mpg: 65 vs 75 mph
Replies: 39
Views: 5798

If people wouldn't drive so slow, I wouldn't have to drive so fast.
by gnosis
Thu Sep 01, 2011 9:20 am
Forum: Personal Investments
Topic: Age 59 1/2 Today
Replies: 23
Views: 2976

I say you chug 59 1/2 ounces of beer.
by gnosis
Mon Aug 29, 2011 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment
Replies: 3
Views: 735

Re: Student Loan Repayment

As long as your wife has not been a student since April of this year, you are in the rare situation in which the IRA offers a better guaranteed return. If your wife contributes $2000 during the year to her Roth IRA, she will be eligible for the maximum $1000 Saver's Credit; that's an instant doubli...
by gnosis
Mon Aug 29, 2011 7:29 am
Forum: Personal Investments
Topic: An All-Equity Strategy
Replies: 40
Views: 4507

Do you have any debt? IMO, the only acceptable reason to hold 100% equities portfolio is if you consider debt to be a negative bond. So you could say for example that by paying down a 5% loan, you're actually putting some of your investment money into a 5% bond. Looking at it this way, if you're put...
by gnosis
Wed Aug 24, 2011 7:46 pm
Forum: Investing - Theory, News & General
Topic: Poll: Individual Stocks
Replies: 34
Views: 4421

My vote just made the results exactly 50/50. Ha! Where's my prize?
by gnosis
Sat Aug 20, 2011 11:36 am
Forum: Personal Investments
Topic: Portfolio Advice Requested - Making the big switch!
Replies: 26
Views: 3704

Re: Portfolio Advice Requested - Making the big switch!

Based on your current assets and level of new contributions, I have a bit of a problem figuring-out your need to take risk. Can you please elaborate?/ +1. If I were debt-free, had that much in assets and could contribute $100k+ every year, my AA would be more like 40/60, not 70/30. Very little need...
by gnosis
Fri Aug 19, 2011 6:02 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12575
Views: 2177547

MekongTrader wrote:It's feels good to be a (battle-hardened) Boglehead.
MT
Drinking that Mekong water makes you even tougher.
by gnosis
Sun Aug 07, 2011 10:00 am
Forum: Personal Consumer Issues
Topic: Car Forums
Replies: 17
Views: 3147

Audizine.com
AudiForums.com

VWforum.com

ToyotaNation.com
by gnosis
Fri Aug 05, 2011 7:12 am
Forum: Investing - Theory, News & General
Topic: Deleted
Replies: 42
Views: 5111

Opponent Process wrote:I haven't sold anything.
+1. Exactly.
by gnosis
Fri Aug 05, 2011 7:08 am
Forum: Investing - Theory, News & General
Topic: Response Of Treasuries vs. Corporate Bond Funds
Replies: 19
Views: 3418

Re: Explanation of bond returns

Taylor Larimore wrote:Valuethinker:

Nice post!

Thank you.
+1

Encore!!!
by gnosis
Wed Aug 03, 2011 6:29 pm
Forum: Personal Investments
Topic: need help - large investment decision
Replies: 18
Views: 2603

It's obvious that you will not sleep well if you rebalance your portfolio to match your usual AA. Therefore you should not lump sum all into equities in order to get your AA back to where it should be. Do whatever will let you sleep at night. Do you have any debts?
by gnosis
Sat Jul 30, 2011 10:34 am
Forum: Personal Consumer Issues
Topic: Best Places in the World to Travel
Replies: 38
Views: 6326

You won't have a bad time in Costa Rica, but it was too overtouristed and expensive (restaurant meals cost about the same as here) for me. For those prices I'd stick with Hawaii. If I want developing country and close, I'd pick another Central American country. Thailand beats these all hands down t...
by gnosis
Mon Jul 25, 2011 8:15 am
Forum: Personal Investments
Topic: Please help me find the post with somebody's inflammatory st
Replies: 15
Views: 1434

Thank you for being anti-inflammatory.
by gnosis
Sun Jul 24, 2011 9:15 am
Forum: Personal Investments
Topic: REVISED - Please advise: my parents' retirement portfolio
Replies: 9
Views: 2811

Big changes made! See the new post please: http://www.bogleheads.org/forum/viewtop ... 95#1123595
by gnosis
Sun Jul 24, 2011 9:05 am
Forum: Personal Investments
Topic: Updated: Please advise on AA and funds placement
Replies: 2
Views: 647

Updated: Please advise on AA and funds placement

My older post: http://www.bogleheads.org/forum/viewtopic.php?t=67263&start=0 This is my parents' portfolio. They've happily hired me as their financial advisor and manager. In exchange, I will gain personal satisfaction and my mom's Thai cooking whenever they're over. If those two things aren't pri...
by gnosis
Fri Jul 22, 2011 7:30 am
Forum: Personal Consumer Issues
Topic: TheStreet Article: How a vacation hurts your future
Replies: 111
Views: 12592

KyleAAA wrote:I'd rather go on awesome vacations and eat dog food in retirement, honestly.
Why would you want to eat dog food while you're on vacation? Kidding. Semantic joke. Ha.
by gnosis
Sat Jul 16, 2011 11:28 am
Forum: Personal Consumer Issues
Topic: Finger Lakes, NY - Things to see and do - Recommendations
Replies: 22
Views: 2801

NY State Fair will be August 25 - September 5

http://www.nysfair.org/
by gnosis
Wed Jun 15, 2011 4:05 pm
Forum: Personal Investments
Topic: Portfolio help for 35 year old
Replies: 12
Views: 3167

Re: Portfolio help for 35 year old

Wife: 34 (homemaker) I find that term offensive. Please edit to Domestic Engineer. :lol: Back to the topic though... If I were you, I would stop putting more money into investments until the emergency fund if beefed up to at least double what you have now. You're the only one bringing home the baco...
by gnosis
Mon May 16, 2011 3:03 pm
Forum: Personal Investments
Topic: Tempur-Pedic or Dr. Breus Mattress?
Replies: 7
Views: 2442

I have a Tempur Pedic... their premium one, over $2000 for a queen size. It's pretty comfy. I had to buy my new bed from a Raymour & Flanigan store because I had the store credit, so my options were limited. Otherwise, I would have also considered the Dial-a-Mattress (?) sleep-number bed.
by gnosis
Mon May 16, 2011 2:24 pm
Forum: Investing - Theory, News & General
Topic: OK - Here's one out of the blue
Replies: 51
Views: 6805

One time I invested $200 on software to remotely unlock cell phones. I made about twenty times that in profits. Another investment involved selling tritium keychains that stay constantly lit for ten years. ROI was about the same. They were both good while they lasted. Damn you Ebay!!
by gnosis
Sun May 15, 2011 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: What personal finance software do you use?
Replies: 76
Views: 10764

Yodlee, just because it's the only one I know of that can give me the future balance in my checking account for the next 30 days. That's the deal breaker for me.
by gnosis
Sun Jan 30, 2011 9:58 pm
Forum: Personal Consumer Issues
Topic: Why buy expensive cars
Replies: 271
Views: 34228

Expensive cars:

1. are more comfortable
2. can either be quieter (less road noise) or they can sound louder and better (nice engine) depending on what you want
3. they look better
4. they handle better
by gnosis
Sun Jan 30, 2011 9:53 pm
Forum: Personal Consumer Issues
Topic: How long do you keep a car *Really*?
Replies: 148
Views: 24048

Wow, I feel ashamed. I am floored that the median ownership duration is 10-15 years. New cars have been my financial nemesis, my gazingus pin. Have not yet reached the age of 40 but I've already owned 5 new cars. Not counting my current vehicle, I've been churning through new cars every 2.6 years. ...
by gnosis
Sun Jan 30, 2011 9:45 pm
Forum: Personal Investments
Topic: Thinking about adding emerging market to the list
Replies: 37
Views: 3591

In your early years, the amount that you save will have tons more significance in your future investment earnings than your stock tilts or even your stock/bond AA. You have one portfolio. I mean you shouldn't consider your different accounts as your other portfolios. All of your accounts are parts o...
by gnosis
Sun Jan 30, 2011 9:20 pm
Forum: Personal Investments
Topic: Portfolio advice for 2 young investors seeking simplicity
Replies: 2
Views: 1627

Move everything into Tootsie Roll. :lol: If HALF of your portfolio is in your taxable account and that entire half is to be used as a savings account for a future down payment on a house, then you don't want to risk losing any of that precious money. Get it out of all those stocks, regardless of whe...
by gnosis
Sun Jan 30, 2011 9:11 pm
Forum: Personal Investments
Topic: Thinking about adding emerging market to the list
Replies: 37
Views: 3591

If you want to increase your domestic investments, consider REIT fund. If you want to increase your international investments, consider Emerging Markets fund. Or you can add both.

What are you trying to achieve by adding EM or REIT? Diversification? Risk-reward? Tilt, slice-and-dice?
by gnosis
Thu Jan 27, 2011 12:03 pm
Forum: Personal Investments
Topic: REVISED - Please advise: my parents' retirement portfolio
Replies: 9
Views: 2811

... As you have revived a thread others have already commented on, are you looking for new information ? .... Certainly have to reduce equities... I'm always looking for new information! I accidentally stated in the first post above that their annuity had an AA of 65% stock / 35% bond. That is inco...
by gnosis
Thu Jan 27, 2011 11:43 am
Forum: Personal Investments
Topic: REVISED - Please advise: my parents' retirement portfolio
Replies: 9
Views: 2811

Yeah it's definitely an amazing house. The mortgage is a Thai bank loan, kind of like an ARM. There is no fixed rate option. The rate just rose to 6.2% this month. My parents agree with me that they really don't need the annuity. Just my father's social security and pension provides them with plenty...
by gnosis
Wed Jan 26, 2011 7:10 pm
Forum: Personal Consumer Issues
Topic: GPS for car
Replies: 42
Views: 9686

I LOVE my TomTom 340S, and it's only about $90 now from Buydig or Amazon. The key feature with this model is TomTom's "IQ Routes" technology which gives you the fastest route based on historical traffic data, not live traffic info. As of now, any live traffic feature on a GPS is not that great. (Thi...
by gnosis
Wed Jan 26, 2011 6:41 am
Forum: Personal Investments
Topic: REVISED - Please advise: my parents' retirement portfolio
Replies: 9
Views: 2811

:(
by gnosis
Tue Jan 25, 2011 7:23 am
Forum: Personal Investments
Topic: REVISED - Please advise: my parents' retirement portfolio
Replies: 9
Views: 2811

Image
by gnosis
Sun Jan 23, 2011 9:07 pm
Forum: Investing - Theory, News & General
Topic: how often do you rebalance a portfolio
Replies: 41
Views: 6199

DH287 wrote:On my birthday... There's no science to this approach, but it's an easy way to remember...
Same here. It makes for a great birthday gift.
by gnosis
Sun Jan 23, 2011 2:38 pm
Forum: Personal Investments
Topic: REVISED - Please advise: my parents' retirement portfolio
Replies: 9
Views: 2811

bump
by gnosis
Sat Jan 22, 2011 6:03 pm
Forum: Personal Investments
Topic: Please advise: my parents' retirement portfolio
Replies: 21
Views: 4823

Here's my revised thread: http://www.bogleheads.org/forum/viewtopic.php?p=933829

Thanks for all of your input so far!
by gnosis
Sat Jan 22, 2011 3:01 pm
Forum: Personal Investments
Topic: REVISED - Please advise: my parents' retirement portfolio
Replies: 9
Views: 2811

REVISED - Please advise: my parents' retirement portfolio

My original post: http://www.bogleheads.org/forum/viewtopic.php?t=66954 My parents have asked me for some portfolio advice, so of course here I am asking for yours! They have been working with the same financial advisor for at least 7 years. Their FA recently moved from Prudential to some other fina...
by gnosis
Thu Jan 20, 2011 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off student loans or car loan first??
Replies: 21
Views: 3364

+5 on the car payoff, but go at it a little differently. Quit your job, defer your student loans for economic hardship, and pay off your car with the welfare checks.
by gnosis
Thu Jan 20, 2011 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Gas bill - budget plan?
Replies: 24
Views: 6273

I guess I prefer to feel the pain of a large utility bill as it gives me more incentive to economize. +1. My thought as well. Anything that's a regular cost, not normally associated with consumption, like 6 month car insurance, I'd prefer them to prorate if it's free. But if utilities are tied clos...
by gnosis
Thu Jan 20, 2011 10:37 am
Forum: Personal Investments
Topic: Please advise: my parents' retirement portfolio
Replies: 21
Views: 4823

Will do, thanks. I will start fresh with a new thread soon with the new information so the cash-flow / income stream aspect can also be analyzed.
by gnosis
Thu Jan 20, 2011 8:28 am
Forum: Personal Investments
Topic: Please advise: my parents' retirement portfolio
Replies: 21
Views: 4823

This is the most concerning statement that their financial advisor told him just two days ago: "The real key is communication between you and I. If we see the market starting to make a correction (defined as a loss of 10%); we should reallocate immediately." Here's my response to my dad about this: ...
by gnosis
Wed Jan 19, 2011 10:32 pm
Forum: Personal Investments
Topic: Please advise: my parents' retirement portfolio
Replies: 21
Views: 4823

Hi gnosis, As you learn and decide on the necessary asset allocation, would you be interested in educating the folks on the forum about your parents and the retirement life in Thailand? Like, why did they moved there? Is that a good option for retirees? Is their background in the US or Thailand? It...
by gnosis
Wed Jan 19, 2011 10:30 pm
Forum: Personal Investments
Topic: Please advise: my parents' retirement portfolio
Replies: 21
Views: 4823

dbr wrote:It would be truly unfortunate for this annuity to be a bad decision based on a misunderstanding of the TSP.

Did such a thing really happen?
It just did about two years ago.
by gnosis
Wed Jan 19, 2011 9:28 pm
Forum: Personal Investments
Topic: Please advise: my parents' retirement portfolio
Replies: 21
Views: 4823

My father will get DEA pension & Social Security as well. My mother won't be drawing her SS for at least another few years. $20k/year is all they need to be happy in Thailand. They will need an additonal $36k/year for the next 5 years to pay their mortgage though. That's why the $60-$70k/year cap is...
by gnosis
Wed Jan 19, 2011 6:33 pm
Forum: Personal Investments
Topic: Please advise: my parents' retirement portfolio
Replies: 21
Views: 4823

I'd be doing the opposite of them and roll the prudential stuff into the tsp rather than the opposite. With th tsp you get lower fees by far and access to the G fund. But there may be issues with tsp withdrawals to Thailand of which I am unaware. The TSP is only available to full-time federal emplo...
by gnosis
Wed Jan 19, 2011 5:14 pm
Forum: Personal Investments
Topic: Please advise: my parents' retirement portfolio
Replies: 21
Views: 4823

Would everyone agree that the total portfolio AA is about 65/35 and that this is too aggressive for a married couple who just retired at the average age of 62, with funds that need to provide income for the next 20 years?

Age in bonds, particularly at retirement, would be wise, no?
by gnosis
Wed Jan 19, 2011 12:55 pm
Forum: Personal Investments
Topic: Please advise: my parents' retirement portfolio
Replies: 21
Views: 4823

Anyone else with comments, questions, suggestions? Bueller? Bueller? :lol: