Search found 1021 matches

by Elysium
Tue Dec 22, 2015 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Switching jobs for pay rise [and better role] worth it?
Replies: 15
Views: 1712

Re: Switching jobs for pay rise [and better role] worth it?

Pay isn't everything. Commute, management type, office culture, job satisfaction, etc. also play a role. It sounds to me like you aren't happy now, thus you were looking elsewhere, so do not forget why you started this in the first place and what your mindset was then. Additionally, I would at leas...
by Elysium
Tue Dec 22, 2015 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Switching jobs for pay rise [and better role] worth it?
Replies: 15
Views: 1712

Re: Switching jobs for pay rise [and better role] worth it?

Yes, going to get the negotiations going after the holidays, preparing ground work now. Idea is to get house in order by mid Jan whether I take new job or continue with current job. I have learned over the years that if you don't complain once in a while about getting challenging roles and pay scale...
by Elysium
Tue Dec 22, 2015 4:06 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on groceries?
Replies: 109
Views: 10511

Re: How much do you spend on groceries?

or spend a ton more on what is mostly food marketing gimmicks (organic, Paleo, assuming the produce at Whole Foods is somehow better than at the local market...). Avoiding as many pesticides as I can is not a gimmick, to me anyways. And Whole Foods produce may not be better than your local market b...
by Elysium
Tue Dec 22, 2015 3:45 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 46
Views: 6347

Re: New Vanguard Emerging Market Bond Fund

But are you going to take away significant chunk for it to make a real difference? for instance, say you have 30% invested in large cap US, will you take away 1/3rd of that to put in EM bonds, because if you are not then it isn't likely to make a big impact to overall portfolio returns. The best ar...
by Elysium
Tue Dec 22, 2015 3:30 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 46
Views: 6347

Re: New Vanguard Emerging Market Bond Fund

1. They say it has much better expected risk/return than *US* stocks, though there is no gtee of course that RA is right and even though they aren't the only ones to have this general view the caveat still applies. But there is some genuine element of diversification in a risk like EM local currenc...
by Elysium
Tue Dec 22, 2015 2:10 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on groceries?
Replies: 109
Views: 10511

Re: How much do you spend on groceries?

I have no idea anymore on exactly how much it costs for our family of four. I know that roughly anywhere from $1600 to $2000 a month including eating out and take outs (actually we don't eat out a lot instead do take outs). The main culprit is Whole Foods who take in a lot of our dough. I don't worr...
by Elysium
Tue Dec 22, 2015 1:43 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 46
Views: 6347

Re: New Vanguard Emerging Market Bond Fund

Now why would a US investor buy an unhedged EM bond fund? I cannot think of one reason to take on currency risk of some of the most unstable regions in the world. You don't get paid enough to do that. I can barely think of reasons to buy fully hedged EM bond funds, but could make a case for it in a...
by Elysium
Tue Dec 22, 2015 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Switching jobs for pay rise [and better role] worth it?
Replies: 15
Views: 1712

Re: Switching jobs for pay rise [and better role] worth it?

Are the smaller companies really unstable or risky? If not, then the risk-level of job security is probably not much different. Is there a significant work-life balance difference between your present job and new job? The risk is really a matter of perception, especially in the government contracti...
by Elysium
Tue Dec 22, 2015 12:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to Launch Active "Core" Total Bond Fund
Replies: 49
Views: 8889

Re: Vanguard to Launch Active "Core" Total Bond Fund

This is not something new, most of the Vanguard bond funds are 'mildly' active, including the TIPS fund that is very popular with BH. The new core bond fund will be more less like TBM, but with some flexibilities in the sense they do not need to take on market weight of one section of bond market li...
by Elysium
Tue Dec 22, 2015 12:36 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 46
Views: 6347

Re: New Vanguard Emerging Market Bond Fund

Now why would a US investor buy an unhedged EM bond fund? I cannot think of one reason to take on currency risk of some of the most unstable regions in the world. You don't get paid enough to do that. I can barely think of reasons to buy fully hedged EM bond funds, but could make a case for it in a ...
by Elysium
Tue Dec 22, 2015 12:30 pm
Forum: Investing - Theory, News & General
Topic: Part 2 of the perfect storm post, how to increase EXPECTED returns
Replies: 118
Views: 13277

Re: Part 2 of the perfect storm post, how to increase EXPECTED returns

. Thanks Larry, Real / Nominal Expected Returns (%) 4.2 / 6.2 = US equity 7.4 / 9.4 = Intl developed equity 9.4 / 11.4 = EM equity From the above, global equities look okay to me (50:37:13 US:EAFE:EM = 6.1%/8.1% real/nominal return). According to AQR's capital market assumptions earlier in the year...
by Elysium
Tue Dec 22, 2015 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Switching jobs for pay rise [and better role] worth it?
Replies: 15
Views: 1712

Re: Switching jobs for pay rise [and better role] worth it?

I also thought 10% may be only the minimum risk premium, this is why I posted to hear opinions. However, getting very high jumps are not possible in tech industry at my level and age (mid 40's) in the east coast, especially in the government contracting world where there are standard rates for speci...
by Elysium
Mon Dec 21, 2015 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Switching jobs for pay rise [and better role] worth it?
Replies: 15
Views: 1712

Switching jobs for pay rise [and better role] worth it?

I currently have two job offers, both with similar job titles to the one I currently have as senior IT consultant with big blue chip firm. Salary offer is around 10% more than what I am earning now, but 401k match is 2% less - for both jobs. Although with current employer the matching contribution i...
by Elysium
Sun Dec 20, 2015 12:56 pm
Forum: Investing - Theory, News & General
Topic: Would you use DFA funds, if available?
Replies: 13
Views: 1463

Re: Would you use DFA funds, if available?

I would use the following funds: DFA U.S. Large Cap Value Portfolio--(DFLVX)--ER: 0.27% DFA U.S. Targeted Value Portfolio--(DFFVX)--ER: 0.37% DFA International Value Portfolio--(DFIVX)--ER: 0.43% DFA Int. Small Cap Value Portfolio--(DISVX)--ER: 0.68% DFA Emerging Markets Value Portfolio--(DFEVX)--ER...
by Elysium
Sun Dec 20, 2015 10:28 am
Forum: Investing - Help with Personal Investments
Topic: where to put cash out refi?
Replies: 68
Views: 4827

Re: where to put cash out refi?

what kind of multi million dollar judgement is OP worried about? Typical scenarios like an auto accident or someone getting injured on the property doesn't run into multi-million dollar judgements unless there is also gross and wilful negligence or fraud involved. A recent example, $18MM suit for a...
by Elysium
Sat Dec 19, 2015 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 consulting job
Replies: 7
Views: 953

Re: 1099 consulting job

I have done little bit of 1099 work many years back, and I am considering going solo again recently if the right offer comes through. As others have said, expect at least 50% premium over your current salary. You can use this as a simple rule and not worry too much about 401k match, health care plan...
by Elysium
Sat Dec 19, 2015 6:22 pm
Forum: Personal Consumer Issues
Topic: Bought a 2009 Prius and now....
Replies: 28
Views: 4116

Re: Bought a 2009 Prius and now....

If you are satisfied with the MDX otherwise, I recommend keeping it. In a somewhat similar situation to yours, we bought a 2016 Lexus GX recently. I work from home and have very little commuting on weekdays, but we do a lot of weekend and holiday travel. Similar to you, I do not drive very much M-F....
by Elysium
Fri Dec 18, 2015 8:45 am
Forum: Investing - Help with Personal Investments
Topic: where to put cash out refi?
Replies: 68
Views: 4827

Re: where to put cash out refi?

The main unanswered question here is exactly what kind of multi million dollar judgement is OP worried about? Typical scenarios like an auto accident or someone getting injured on the property doesn't run into multi-million dollar judgements unless there is also gross and wilful negligence or fraud ...
by Elysium
Thu Dec 17, 2015 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Active funds some/many Bogleheads love
Replies: 47
Views: 4798

Re: Active funds some/many Bogleheads love

BW1985 wrote:Don't these funds contradict the BH philosophy?
But it wouldn't contradict Bogle's philosophy as they were all created during his time :D
by Elysium
Thu Dec 17, 2015 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 3M (MMM)
Replies: 39
Views: 5726

Re: Thoughts on 3M (MMM)

I have some good memories of working at the HQ there a long time back, nice people overall, very easy to get lost in the campus and plenty of options for food. Would I hold the stock, have no idea, I don't own any.
by Elysium
Thu Dec 17, 2015 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: where to put cash out refi?
Replies: 68
Views: 4827

Re: where to put cash out refi?

1 million worth house isn't very much to put a target on your back, sounds like unnecessary concern. Heck, in my area 1 million worth home is not considered rich at all, this is typical of many high priced locations around the country. Granted many of those homeowners don't own the home outright, bu...
by Elysium
Thu Dec 17, 2015 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: where to put cash out refi?
Replies: 68
Views: 4827

Re: where to put cash out refi?

I know it is well-intended, except where people implied I was doing something sketchy. I appreciate everyone's input but just wanted to know where people thought the investments should go, nothing more. Thanks to all who replied. Merry Christmas and Happy Hanukkah! I suggest reading up on how Larry...
by Elysium
Thu Dec 17, 2015 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: where to put cash out refi?
Replies: 68
Views: 4827

Re: where to put cash out refi?

This is a primer: http://www.nolo.com/legal-encyclopedia/llc-asset-protection-charging-orders.html I'm not withholding anything. Just don't want to lose what I've worked my ass off to get. Not so complicated. Sadly, few have actually even attempted to ANSWER the question. Instead, many decided to b...
by Elysium
Thu Dec 17, 2015 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: where to put cash out refi?
Replies: 68
Views: 4827

Re: where to put cash out refi?

The reason there are skeptical replies is that most older posters here also have significant portfolios but I'm guessing none have done this. And for good reason. I advise investors for a living who's average net worth is 3-5M, maybe not where you are, but high enough. There's zero probability I wo...
by Elysium
Thu Dec 17, 2015 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Active funds some/many Bogleheads love
Replies: 47
Views: 4798

Re: Active funds some/many Bogleheads love

If are going to go into analysis/paralysis mode then it is not worth investing in active managed funds. Once you like a few funds and have confidence investing with them, then do not keep checking performance every now and then and compare with index funds, or do nit picking like comparing how much ...
by Elysium
Wed Dec 16, 2015 8:04 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Yes or No?
Replies: 78
Views: 17990

Re: Emerging Markets: Yes or No?

I have invested in EM above market weight since 2005. It is about 1/3rd of my foreign allocation. Here is how the break up look like, 1/3rd each in Developed Large (Vg Intl Growth), Developed Small (DFA Intl Small), and 1/3rd in EM Value (DFA). Overall foreign allocation is about 35% of equities. EM...
by Elysium
Mon Dec 14, 2015 9:19 pm
Forum: Personal Consumer Issues
Topic: Paying Kids For Good Grades -- do you do it?
Replies: 94
Views: 8045

Re: Paying Kids For Good Grades -- do you do it?

I have never heard of such a thing before. In our family kids are always expected to get an A grade, if they are not then that is because either they are being careless in answering or they did not prepare well, both are easily correctable. This is what has happened mostly, and I am only talking abo...
by Elysium
Sun Dec 13, 2015 2:39 pm
Forum: Personal Consumer Issues
Topic: Few hours in Paris - what do to?
Replies: 13
Views: 1508

Re: Few hours in Paris - what do to?

Charles de Gaulle Etoile to walk down the Champs Elysees, get a drink at a cafe and watch the bustle
This. Get close as possible to the Arc de troimphe.
by Elysium
Sun Dec 13, 2015 10:17 am
Forum: Investing - Help with Personal Investments
Topic: VGELX - When will it see $140/share again? [Vanguard Energy Fund Admiral Shares]
Replies: 7
Views: 2169

Re: VGELX - When will it see $140/share again?

Energy is a very volatile sector, so investing specifically in that sector invites that sort of risk. If you must invest in Energy sector then there cannot be many better mutual fund options than Vanguard Energy. That said, I invest in Vanguard Healthcare fund, this is my only sector bet. Risk adjus...
by Elysium
Fri Dec 11, 2015 7:30 pm
Forum: Personal Consumer Issues
Topic: BMW current and past owners -- how was the reliability and would you buy another?
Replies: 89
Views: 17448

Re: BMW current and past owners -- how was the reliability and would you buy another?

edge wrote:Um, I don't think I've seen a cop up here around the Potomac in 20 years.

It's pretty much the same in MD right across the river.
sure, but you have very narrow winding roads with single lanes, how fast can you go?
by Elysium
Fri Dec 11, 2015 7:21 pm
Forum: Personal Consumer Issues
Topic: BMW current and past owners -- how was the reliability and would you buy another?
Replies: 89
Views: 17448

Re: BMW current and past owners -- how was the reliability and would you buy another?

Ya, depends on your commute and where you live. Out here in great falls va there is more opportunity to have some fun (safely) than in LA metro. I didn't really push my M3 outside of the track though. A 335 (340 now) or blown V6 Jag XE seem to have better utility. 328 just feels really slow and wit...
by Elysium
Fri Dec 11, 2015 7:10 pm
Forum: Investing - Theory, News & General
Topic: Check-In on Emerging Market Sentiment
Replies: 57
Views: 6653

Re: Check-In on Emerging Market Sentiment

What is the point of calling yourself a Boglehead if you cannot follow the very basic tenet of Bogle advice - stay the course You either tune out the noise and stay the course, or you start second guessing your AA decisions every time you read something or hear something, second one is called waveri...
by Elysium
Thu Dec 10, 2015 9:58 pm
Forum: Personal Consumer Issues
Topic: BMW current and past owners -- how was the reliability and would you buy another?
Replies: 89
Views: 17448

Re: BMW current and past owners -- how was the reliability and would you buy another?

Many posters pointed out the driving experience. I would say as former owner who owned the twin turbo powered 335, it gets a bit boring after while. I mean you are not driving down scenic winding roads or highways with very high speed limits every day, most of the time if you are driving to work in ...
by Elysium
Thu Dec 10, 2015 9:41 pm
Forum: Investing - Theory, News & General
Topic: Recession on the Horizon - Sensationalist Noise or Actionable Information?
Replies: 36
Views: 5287

Re: Recession on the Horizon - Sensationalist Noise or Actionable Information?

No one actually knows what will happen. Recessions are very scary if you are heavily invested in the stock market, especially if you have a lot to lose. Effect of losses aren't all the same, for instance if you are 30 and only $300K in the market, then losing $150K in a year may seem scary but not w...
by Elysium
Thu Dec 10, 2015 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Is Emerging Markets the only game in town?
Replies: 9
Views: 1963

Re: Is Emerging Markets the only game in town?

I cannot dispute your comments, personally I hold the global market, but if you believe that stock indexes return to mean, and that the PE10s of Emerging Markets are way below historical average,then there is more than a compelling reason to believe that eventually they will do better than develope...
by Elysium
Thu Dec 10, 2015 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Is Emerging Markets the only game in town?
Replies: 9
Views: 1963

Re: Is Emerging Markets the only game in town?

I stopped bothering about short term forecasts made by GMO. Yes, 7 years is a very short time period and is not very useful. Looking at past 10 year returns we have the following for the broad market index funds. VTSMX 7.31% VGTSX 3.01% VEIEX 3.52% VBMFX 4.5% Looks like except the US stock and bond ...
by Elysium
Wed Dec 09, 2015 6:24 pm
Forum: Personal Consumer Issues
Topic: BMW current and past owners -- how was the reliability and would you buy another?
Replies: 89
Views: 17448

Re: BMW current and past owners -- how was the reliability and would you buy another?

I'm considering buying a used high mileage BMW but don't want to be a huge money pit . You can stop right there. Those two highlighted parts don't go well together. BMW's are only good when they are new and under warranty, a high mileage BMW is a money pit, there is a good reason why they sell for ...
by Elysium
Tue Dec 08, 2015 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify wife's 401k with TR fund
Replies: 3
Views: 446

Re: Simplify wife's 401k with TR fund

I don't see any issues with the 401(k), but maybe with the other accounts. What I mean by this is that my spouse has for years and years used only one single fund in her 401(k): whichever one had the lowest expense ratio. We just adjusted the other accounts to have to get our overall portfolio asse...
by Elysium
Tue Dec 08, 2015 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify wife's 401k with TR fund
Replies: 3
Views: 446

Simplify wife's 401k with TR fund

My wife's 401k is invested in 3 funds as follows. Vg Instl Plus Index (500 index) 42%, Vg Instl Plus Total Intl 33%, Vg Instl Plus Total Bond 25%. I have been thinking about it lately to simplify further with just the Vg TR Instl Plus 2030 Fund. It is invested 45% in Ttl Stock Idx, 30% Ttl Intl Idx,...
by Elysium
Tue Dec 08, 2015 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 257
Views: 30718

Re: A car nicer than the boss?

MB S550 is not going to turn heads or grab attention. This the type of car that most people will associate with someone who has worked their way up the ladder and most employees would have no issue with their CFO driving a car like this. In fact, they would be surprised if the CFO didn't drive a ca...
by Elysium
Tue Dec 08, 2015 10:36 am
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 257
Views: 30718

Re: A car nicer than the boss?

MB S550 is not going to turn heads or grab attention. This the type of car that most people will associate with someone who has worked their way up the ladder and most employees would have no issue with their CFO driving a car like this. In fact, they would be surprised if the CFO didn't drive a car...
by Elysium
Tue Dec 08, 2015 8:59 am
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 257
Views: 30718

Re: A car nicer than the boss?

Recently DH and I were at an event and one of his underlings was also there. I noticed that the underling drives a Lexus and DH drives a Honda. I said "Why does So-and So drive a Lexus and you drive a Honda?!" DH didn't miss a beat, looked me dead in the eye and said "His wife works." :D I still la...
by Elysium
Mon Dec 07, 2015 9:44 am
Forum: Investing - Help with Personal Investments
Topic: [Are there any exploitable inefficiencies?]
Replies: 82
Views: 8740

Re: Have the Bogleheads gone too far?

All it takes is one really bad trade that goes against him and all the profts he built in above the market will be gone, pooof! just like that and he will be trailing the market, then the question becomes should he abandon his strategy or continue with the hope of making up for more. On top of all t...
by Elysium
Sun Dec 06, 2015 9:48 am
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 257
Views: 30718

Re: A car nicer than the boss?

"A Baronet must be seen to live like a Baronet, an executive must be seen to live like an executive" (to paraphrase Jane Austen's Persuasion ). You don't hear much about executives getting guff for buying expensive stuff outside of a few outliers in the news. In normal life for 99% of the 1%, buyin...
by Elysium
Sun Dec 06, 2015 9:40 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 46507

Re: OPM breach and credit freeze

Credit freeze should fall under "taken all prudent measures". If anything were to still happen, then the protection and recovery shouldn't be conditional on having signed up for the credit monitoring services offered.
by Elysium
Sat Dec 05, 2015 8:05 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 46507

Re: OPM breach and credit freeze

Message deleted - off topic and adds no specific value to the thread.
by Elysium
Fri Dec 04, 2015 8:15 pm
Forum: Investing - Theory, News & General
Topic: AQR Style Premia Alternative (QSPIX) to close; AQR Style Premia Alternative II to open
Replies: 82
Views: 12543

Re: AQR Style Premia Alternative (QSPIX) to close; AQR Style Premia Alternative II to open

Why would anyone on this forum be interested in these funds. They have high expense ratios, 1.5% to 1.75%, when most Vanguard funds can be bought for a fraction of that, and they have high turnover, 145% or above, indicating commodities, futures, swaps, currency hedges and what not, half of which m...
by Elysium
Fri Dec 04, 2015 7:08 pm
Forum: Investing - Theory, News & General
Topic: AQR Style Premia Alternative (QSPIX) to close; AQR Style Premia Alternative II to open
Replies: 82
Views: 12543

Re: AQR Style Premia Alternative (QSPIX) to close; AQR Style Premia Alternative II to open

Why would anyone on this forum be interested in these funds. They have high expense ratios, 1.5% to 1.75%, when most Vanguard funds can be bought for a fraction of that, and they have high turnover, 145% or above, indicating commodities, futures, swaps, currency hedges and what not, half of which mo...
by Elysium
Fri Dec 04, 2015 1:05 pm
Forum: Investing - Theory, News & General
Topic: Teaching investment theory to a child
Replies: 30
Views: 2024

Re: Teaching investment theory to a child

If he's interested in becoming a good investor, especially versus a speculator, that's great and the more he can learn from you now will help set him on the right path. He wants to be an inventor not an investor when he grows up, that is what he says mostly and he works on some ideas in the health ...
by Elysium
Fri Dec 04, 2015 12:48 pm
Forum: Investing - Theory, News & General
Topic: Teaching investment theory to a child
Replies: 30
Views: 2024

Re: Teaching investment theory to a child

If he's interested in becoming a good investor, especially versus a speculator, that's great and the more he can learn from you now will help set him on the right path. He wants to be an inventor not an investor when he grows up, that is what he says mostly and he works on some ideas in the health ...