Search found 295 matches

by Liquid
Sun Jan 22, 2012 11:16 pm
Forum: Investing - Theory, News & General
Topic: Investing in the worst fund of last year this year
Replies: 21
Views: 2311

Re: Investing in the worst fund of last year this year

I would not do this, but I would find it entertaining. :beer
by Liquid
Sun Jan 22, 2012 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: 27yo, $165k assets, help with high return portfolio
Replies: 17
Views: 2162

Re: 27yo, $165k assets, help with high return portfolio

I wanted to point out that your goal of an annual return exceeding 10-15% isn't realistic. 10-15% is certainly possible, but it depends much more on your own personal characteristics and risk tolerance. Could you please elaborate? Sure, for example, a small-cap blend index fund has expected long-te...
by Liquid
Sun Jan 22, 2012 11:09 pm
Forum: Personal Consumer Issues
Topic: Justifying 2007 Acura MDX purchase
Replies: 42
Views: 3243

Re: Justifying 2007 Acura MDX purchase

Folks, We got a 2011 Toyota Sienna AWD with 5000 miles. At what cost? A loaded AWD Limited with premium entertainment and nav package for 34k (which lists at 46k) new. @julie, I hear you - my inside voice just trying to justify my long term purchase. Then again, we're going from a rear wheel sedan ...
by Liquid
Sun Jan 22, 2012 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Time to overweigh International?
Replies: 50
Views: 4581

Re: Confused ?

Hi liquid: You are confusing market timing and valuation. It's possible, but explain how I am confused if we accept this definition: Market-timing = "Portfolio changes based on market forecasts." Thank you and best wishes. Taylor I have difficulty with your definition of market timing, as it seems ...
by Liquid
Sun Jan 22, 2012 10:43 pm
Forum: Personal Consumer Issues
Topic: Do you take showers or baths
Replies: 15
Views: 2077

Re: Do you take showers or baths

I shower once a year, whether I need it or not.
by Liquid
Sun Jan 22, 2012 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Lifecycle Investing Leverage Strategy Using LEAPS - How To?
Replies: 137
Views: 15461

Re: Lifecycle Investing Leverage Strategy Using LEAPS - How

market timer wrote: LEAPS
Market timer you should post a link to your forum master class on this subject. Also how is the portfolio doing these days?
by Liquid
Sun Jan 22, 2012 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: 27yo, $165k assets, help with high return portfolio
Replies: 17
Views: 2162

Re: 27yo, $165k assets, help with high return portfolio

TA_Lurker wrote:
MoneyMoneyMoneyyy wrote:
I wanted to point out that your goal of an annual return exceeding 10-15% isn't realistic.
10-15% is certainly possible, but it depends much more on your own personal characteristics and risk tolerance.
by Liquid
Sun Jan 22, 2012 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: 27yo, $165k assets, help with high return portfolio
Replies: 17
Views: 2162

Re: 27yo, $165k assets, help with high return portfolio

I'm so glad to find Bogleheads forum from Google. I'm a 27yo male. I'm $165k net work with no debt at all. The rest is in cash :( My monthly expenses are low because I live rent free. I have been trying to master day/swing trading in the last few years but it is too much work and stress for little ...
by Liquid
Sun Jan 22, 2012 10:22 pm
Forum: Personal Consumer Issues
Topic: Meaning behind your username
Replies: 48
Views: 2503

Re: The Thomas Crown Affair

Wake up, will ya, pal? If you're not inside, you're outside, okay? And I'm not talking a $400,000 a year working Wall Street stiff flying first class and being comfortable, I'm talking about liquid. Rich enough to have your own jet. Rich enough not to waste time. Fifty, a hundred million dollars, b...
by Liquid
Sun Jan 22, 2012 10:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - What we believe: Risk
Replies: 21
Views: 2216

Re: Vanguard - What we believe: Risk

This is a good lesson for the many bogleheads who think nothing of encouraging very high bond allocations without a word on risk :!:
by Liquid
Sun Jan 22, 2012 12:20 pm
Forum: Investing - Theory, News & General
Topic: Global Economy: Shifting Center of Gravity
Replies: 6
Views: 1098

Re: Global Economy: Shifting Center of Gravity

..but no doubt we're no longer the only big dogs. No doubt. But the big question for equity investors is which companies will benefit most from this enormous growth in the developing world over the coming decades. Will it be the large multinational companies (domiciled in the U.S., Europe and Japan...
by Liquid
Sun Jan 22, 2012 11:53 am
Forum: Investing - Theory, News & General
Topic: Debt downgrades and rates fall, some important lessons
Replies: 14
Views: 1062

Re: Debt downgrades and rates fall, some important lessons

Greg If you have a well developed plan and stick to it you will be buying relatively low when expected returns are high and selling relatively high when expected returns are low. It is called rebalancing. I understand that rebalancing is a way of buying low and selling high. But if you don't do the...
by Liquid
Sun Jan 22, 2012 11:44 am
Forum: Personal Consumer Issues
Topic: Justifying 2007 Acura MDX purchase
Replies: 42
Views: 3243

Re: Justifying 2007 Acura MDX purchase

airahcaz wrote:Folks,
We got a 2011 Toyota Sienna AWD with 5000 miles.
At what cost?
by Liquid
Sun Jan 22, 2012 11:38 am
Forum: Personal Consumer Issues
Topic: Meaning behind your username
Replies: 48
Views: 2503

Re: The Thomas Crown Affair

Wake up, will ya, pal? If you're not inside, you're outside, okay? And I'm not talking a $400,000 a year working Wall Street stiff flying first class and being comfortable, I'm talking about liquid. Rich enough to have your own jet. Rich enough not to waste time. Fifty, a hundred million dollars, b...
by Liquid
Sun Jan 22, 2012 11:38 am
Forum: Investing - Theory, News & General
Topic: POLL: At what net-worth does an individual become wealthy?
Replies: 78
Views: 8041

Re: The Thomas Crown Affair

VictoriaF wrote:
Somebody like Thomas Crown in The Thomas Crown Affair?

Victoria
I will let you know after I see the movie.
by Liquid
Sun Jan 22, 2012 11:36 am
Forum: Investing - Theory, News & General
Topic: "Blue Hedge Investments"
Replies: 7
Views: 744

Re: "Blue Hedge Investments"

Pretty site, but they wouldn't take my money. :cry:
by Liquid
Sun Jan 22, 2012 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Please help- I'm confused about 401k
Replies: 7
Views: 606

Re: Please help- I'm confused about 401k

Agree with not purchasing these "Transamerica Asset Allocation Growth Class C shares" or any other crap he is pushing.

Request the fee schedule and plan prospectus in writing. Low cost ETFs or mutual funds could be a good idea, provided the plan does not manufacture exorbitant trading fees.
by Liquid
Sun Jan 22, 2012 11:09 am
Forum: Personal Consumer Issues
Topic: Meaning behind your username
Replies: 48
Views: 2503

Re: Meaning behind your username

Wake up, will ya, pal? If you're not inside, you're outside, okay? And I'm not talking a $400,000 a year working Wall Street stiff flying first class and being comfortable, I'm talking about liquid. Rich enough to have your own jet. Rich enough not to waste time. Fifty, a hundred million dollars, bu...
by Liquid
Sun Jan 22, 2012 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Cubicle talk
Replies: 36
Views: 3456

Re: Cubicle talk

Conversation I overheard yesterday: "I've been spending some time with my investment account lately." [A coworker asks if she means her 401k] "Oh no, I don't have one of those. But I'm very conservative when I invest. I only invest in safe things like gold and oil. And with the little time I spent ...
by Liquid
Sun Jan 22, 2012 10:58 am
Forum: Investing - Theory, News & General
Topic: Debt downgrades and rates fall, some important lessons
Replies: 14
Views: 1062

Re: Debt downgrades and rates fall, some important lessons

grabiner wrote:A downgrade is not news; it is S&P's publication of everything that has happened since it last updated the rating.
+1
by Liquid
Sun Jan 22, 2012 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Time to overweigh International?
Replies: 50
Views: 4581

Re: Market Timing ?

In their 7 year forecast, GMO currently has much better returns for International and Emerging Market Stocks than the US. Do you currently overweigh International stocks due to attractive valuations compared to your normal allocation? Personally I do, I currently have almost all my stocks in intern...
by Liquid
Sun Jan 22, 2012 10:37 am
Forum: Personal Finance (Not Investing)
Topic: To be a landlord or not?
Replies: 27
Views: 4190

Re: To be a landlord or not?

I'm considering a similar multifamily unit purchase. I getting ready to speak with a mortgage loan broker, but I'm curious if they consider that the property will be an "income property" compared to a "single family" house. Would they be willing to loan more money knowing this? Also, it makes a big...
by Liquid
Sun Jan 22, 2012 10:35 am
Forum: Personal Finance (Not Investing)
Topic: To be a landlord or not?
Replies: 27
Views: 4190

Re: To be a landlord or not?

Real estate as mentioned is a business, not a "passive investment." As with most business, success depends on motivation, knowledge, and skill. I suggest you read everything you can on real estate investment. And no, it does not have to be "speculation" as someone mentioned. Income property is value...
by Liquid
Sun Jan 22, 2012 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Another Credit Card Rewards Gone Bad
Replies: 15
Views: 3066

Re: Another Credit Card Rewards Gone Bad

I use the American Express Blue Cash reward card. It works great. Last year my wife (who also has one) and I combined for $700 cash back. You can use the cash as a credit toward your Amex statement or for merchandise. We always credit our statement. You can earn 6% at supermarkets, 3% at gas statio...
by Liquid
Fri Jan 20, 2012 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Another Credit Card Rewards Gone Bad
Replies: 15
Views: 3066

Re: Another Credit Card Rewards Gone Bad

I use the American Express Blue Cash reward card. It works great. Last year my wife (who also has one) and I combined for $700 cash back. You can use the cash as a credit toward your Amex statement or for merchandise. We always credit our statement. You can earn 6% at supermarkets, 3% at gas statio...
by Liquid
Fri Jan 20, 2012 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa CC cash back change
Replies: 6
Views: 930

Re: PenFed Visa CC cash back change

plex wrote:Keep in mind that the fidelity cash-back goes into an IRA account, which means it eventually gets taxed. Penfed cash-back was not taxed, it was a rebate on your purchases and not counted as income.
This is nice.
by Liquid
Fri Jan 20, 2012 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Finding a Primary Care Physician
Replies: 41
Views: 3739

Re: Finding a Primary Care Physician

Finding a primary care physician is one thing, but another concern is to ask the pointed question: "If I have to be hospitalized, will you be my attending physician?" If he says not because you will be relegated to a hospitalist, then you need to look elsewhere. This is a real problem that few real...
by Liquid
Fri Jan 20, 2012 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Pimp My Portfolio
Replies: 32
Views: 4353

Re: Pimp My Portfolio

Fine, fine, if I must add something constructive.

I would go with the least terribad option in that 401k, the illustrious AB Value Fund A at 1.11%.

Best,
Liquid
by Liquid
Fri Jan 20, 2012 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Pimp My Portfolio
Replies: 32
Views: 4353

Re: Pimp My Portfolio

Donno about your portfolio, but I have your ride. She dumps like a truck.

http://desktop.freewallpaper4.me/downlo ... mp-my-ride
by Liquid
Fri Jan 20, 2012 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: 28 y/o new investor, pregnant, and husband wants 25% silver
Replies: 31
Views: 3542

Re: 28 y/o new investor, pregnant, and husband wants 25% sil

A good dilemma to have. As father of a woman about your age, probably the best planning you can do is investing in yourself. Do you have an education or job possibilities? Half the marriages fail and husbands sometimes predecease wives sometimes at young ages. If you respond that your going to be a...
by Liquid
Fri Jan 20, 2012 8:40 pm
Forum: Investing - Theory, News & General
Topic: POLL: At what net-worth does an individual become wealthy?
Replies: 78
Views: 8041

Re: POLL: At what net-worth does an individual become wealth

Wake up, will ya, pal? If you're not inside, you're outside, okay? And I'm not talking a $400,000 a year working Wall Street stiff flying first class and being comfortable, I'm talking about liquid. Rich enough to have your own jet. Rich enough not to waste time. Fifty, a hundred million dollars, bu...
by Liquid
Fri Jan 20, 2012 8:28 pm
Forum: Personal Consumer Issues
Topic: Dan Neil in WSJ: Chevy Volt a success
Replies: 334
Views: 34475

Re: Dan Neil in WSJ: Chevy Volt a success

Although hopefully the "fix" fixes the fire issue that does not relatively exist, and there will be no further problems, er non problems, er whatever : ) Lul, There IS a risk, as there IS a risk in full-gas-tank crash simulations (wich are not done). At least lithium batteries pose a delayed risk v...
by Liquid
Fri Jan 20, 2012 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Age 26, AA with small cap and EM tilt breakdown
Replies: 9
Views: 703

Re: Age 26, AA with small cap and EM tilt breakdown

BTW, EM stocks are at historically high prices.

Best,
Liquid
by Liquid
Fri Jan 20, 2012 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Age 26, AA with small cap and EM tilt breakdown
Replies: 9
Views: 703

Re: Age 26, AA with small cap and EM tilt breakdown

You can get a brokerage account to purchase ETFs... within your vanguard IRA if need be.
by Liquid
Fri Jan 20, 2012 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: 28 y/o new investor, pregnant, and husband wants 25% silver
Replies: 31
Views: 3542

Re: 28 y/o new investor, pregnant, and husband wants 25% sil

Gold / silver seems to be in a bubble, I would not do this.
by Liquid
Fri Jan 20, 2012 8:13 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth's 2nd Article on DFA
Replies: 103
Views: 8947

Re: Allan Roth's 2nd Article on DFA

Liquid Please note again that when you have a fund that has higher tilts to value and the value premium is negative you would expect that fund to underperform... Here is another point, the funds are now multifactor screens for value, similar to RAFI, as the research appears clear that it adds value...
by Liquid
Fri Jan 20, 2012 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: How have the BOGLEHEADS helped you?
Replies: 67
Views: 6251

Re: How have the BOGLEHEADS helped you?

This site is, at a minimum, worth the weight of its servers in gold. Servers as in client-server hardware? Or weight of its servers as the combined weight of the organizers, administrators, moderators and Wiki maintainers? :greedy Victoria Absolutely, in fact by aggregate wealth creation the amount...
by Liquid
Fri Jan 20, 2012 7:38 pm
Forum: Investing - Theory, News & General
Topic: POLL: At what net-worth does an individual become wealthy?
Replies: 78
Views: 8041

Re: POLL: At what net-worth does an individual become wealth

$3,750,000 http://www.gallup.com/poll/151427/americans-set-rich-threshold-150-000-annual-income.aspx But that poll is about rich, not wealthy. It's not the same: http://www.youtube.com/watch?v=4m37JkkGjAY . The poll is about both --> 150K/yr was "rich," 1mil was "wealthy." Before you say anything, ...
by Liquid
Fri Jan 20, 2012 7:02 pm
Forum: Investing - Theory, News & General
Topic: Smart Money: Is 4% rule viable
Replies: 84
Views: 7176

Re: Smart Money: Is 4% rule viable

Both are correct, Bull Market higher SWR, Great Depression 2.0 lower SWR.
by Liquid
Fri Jan 20, 2012 6:50 pm
Forum: Investing - Theory, News & General
Topic: Stock Market Games
Replies: 14
Views: 2008

Re: Stock Market Games

Seriously though, the students are playing appropriately, what would you do with 100k risk free credit and 10 weeks to make your fame and fortune? I seriously doubt that any game could replicate the sheer boredom of index investing without losing customers. Playing an "investing game" may not actual...
by Liquid
Fri Jan 20, 2012 6:26 pm
Forum: Investing - Theory, News & General
Topic: Stock Market Games
Replies: 14
Views: 2008

Re: Stock Market Games

The problem I have with these games is that students quickly realize that they must take great "risk" in order to win. The games allow trading on margin, so kids will invest $100K, borrow another $100K and then load up on a recent IPO, or a 3X fund of some sort. Of course, what it takes to "win" in...
by Liquid
Fri Jan 20, 2012 5:58 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth's 2nd Article on DFA
Replies: 103
Views: 8947

Re: Allan Roth's 2nd Article on DFA

I would also add this, the strong returns from 2003-07 allowed many investors working with advisors who continually monitor plans... were able to lower their equity allocation before the bear market hit in 2008. Running MC simulations showed that this was possible. There are lots of stories like th...
by Liquid
Fri Jan 20, 2012 5:54 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth's 2nd Article on DFA
Replies: 103
Views: 8947

Re: Allan Roth's 2nd Article on DFA

Liquid Be helpful if you had facts correct and also understood some important issues 1) The funds we use are BOTSX and BOSVX which are new funds, with different fund construction rules 2) and very importantly the period you cite was one of very big NEGATIVE value premium, so you would expect a fund...
by Liquid
Fri Jan 20, 2012 7:54 am
Forum: Investing - Theory, News & General
Topic: My Dr.Timer market timing experiment didn't really work out
Replies: 9
Views: 898

Re: My Dr.Timer market timing experiment didn't really work

It is hard to imagine that performance chasing TIPS will be profitable, though it may be an improvement from the previous strategy.
by Liquid
Fri Jan 20, 2012 12:48 am
Forum: Investing - Theory, News & General
Topic: Is Now Always the Best Time to Invest?
Replies: 31
Views: 3476

Re: Is Now Always the Best Time to Invest?

Now is ALWAYS the right time to invest. What to invest IN is the question. Now is NOT always the right time to invest in US equities. Valuations matter.