Search found 892 matches

by Beensabu
Mon Jul 26, 2021 8:08 pm
Forum: Non-US Investing
Topic: Boglehead simple portfolio for an aussie
Replies: 3
Views: 263

Re: Boglehead simple portfolio for an aussie

settlement12 wrote: Mon Jul 26, 2021 8:00 pm I know that's just speculation but it's what I'm comfortable with.
You're not comfortable with it, or else you would have it in your own portfolio.

What about her? Is she comfortable with it?
by Beensabu
Fri Jul 23, 2021 9:38 pm
Forum: Personal Investments
Topic: Confused about Large Caps. Talk me out of them...
Replies: 23
Views: 2443

Re: Confused about Large Caps. Talk me out of them...

You do realize that VINIX, VVIAX, and VTSNX are all large cap funds as well, right? And VINIX is essentially a watered down large cap growth fund (at least compared to MFEKX)? Currently we have approximately: $500K in Total Stock/Bond Funds $300K in MFEKX (MFS Growth Fund R6) $460K in Bonds Okay. Th...
by Beensabu
Fri Jul 23, 2021 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to change careers, but feel stuck. Dissatisfied with life.
Replies: 51
Views: 6451

Re: Looking to change careers, but feel stuck. Dissatisfied with life.

There's nothing wrong with your job. You have a good job. You like many of your co-workers. You have cheap health insurance. You have a pension. You have a job that will never leave you broke, as long as you don't gamble or do any of those other things that make all your money go poof. If you do not...
by Beensabu
Fri Jul 23, 2021 7:47 pm
Forum: Personal Consumer Issues
Topic: Board games
Replies: 60
Views: 4159

Re: Board games

How has nobody said Risk? Risk! Only the best board game of all time. There's nothing like a friendly round of total and complete world domination. Pssst: Australia is the key.
by Beensabu
Thu Jul 22, 2021 12:01 am
Forum: Investing - Theory, News & General
Topic: For Young Investors, Why Not Long Term Bonds?
Replies: 15
Views: 1501

Re: For Young Investors, Why Not Long Term Bonds?

Hi Bogleheads, Let's say a few things are true: 1-) You are a young investor far away from retirement (say 30-40 years). 2-) You are going to own three-fund portfolio for diversification (because nobody knows nothing). 3-) You are going to contribute regularly until retirement and rebalance (either...
by Beensabu
Mon Jul 19, 2021 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: My house isn't selling
Replies: 228
Views: 36095

Re: My house isn't selling

OP - Do you need to sell right now (or soon)? If you don't, then just cancel the listing. A month is too long for no showings and one offer that you find unacceptable. You priced it wrong. If you drop the price dramatically now or it stays up too much longer, people will either really think there's ...
by Beensabu
Mon Jul 19, 2021 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Kids Summer Job - Employer incompetent & taking advantage
Replies: 67
Views: 6340

Re: Kids Summer Job - Employer incompetent & taking advantage

This is a trust fund kid either running a front or trying to game his family and family's friends into "investing" and screwing it all the way up. It happens all the time, and it's almost always a cafe or something similar. Tell your kid to quit.
by Beensabu
Mon Jul 19, 2021 7:53 pm
Forum: Personal Investments
Topic: Recommendations for a 2nd tier emergency fund
Replies: 81
Views: 5712

Re: Recommendations for a 2nd tier emergency fund

I use VSCGX in my Roth for the stated purpose. For me, "2nd tier EF" is in case cash is depleted and not replenished by the time I need it for a major expense.
by Beensabu
Sat Jul 17, 2021 11:03 pm
Forum: Investing - Theory, News & General
Topic: VXUS: A Dollar Hedge, Not A Value Investment
Replies: 55
Views: 5616

Re: VXUS: A Dollar Hedge, Not A Value Investment

VXUS hold 0.2% New Zealand. Even if New Zealand goes bonkers it doesn't matter. If you hold VXUS you don't own enough of it to matter. VXUS doesn't hold a lot of any country that has good valuations. Yes. It doesn't matter. Just like if New Zealand goes badumchickbbaaaaaaaaaaaaaaaaaaawhaaaa, it doe...
by Beensabu
Sat Jul 17, 2021 7:22 pm
Forum: Investing - Theory, News & General
Topic: VXUS: A Dollar Hedge, Not A Value Investment
Replies: 55
Views: 5616

Re: VXUS: A Dollar Hedge, Not A Value Investment

<snip> Unhedged ex-US is a dollar hedge. And it is diversification . The literal, textbook definition of diversification. I would never say it wasn't diversification. But we can differ on whether extreme diversification--6,000 stocks that each make up less than .01% of an index--is good for our por...
by Beensabu
Sat Jul 17, 2021 4:34 pm
Forum: Investing - Theory, News & General
Topic: VXUS: A Dollar Hedge, Not A Value Investment
Replies: 55
Views: 5616

Re: VXUS: A Dollar Hedge, Not A Value Investment

Omg. I can't not. I just can't. And so the Bogleheads addiction wins... First of all: yes, unhedged ex-US (i.e. most ex-US equity funds) are indeed a hedge against the dollar weakening. This is something that year 1 Bogleheads me noticed immediately. However, as I then found, you can't predict when ...
by Beensabu
Sun Jul 11, 2021 6:38 pm
Forum: Investing - Theory, News & General
Topic: Final Thoughts
Replies: 8
Views: 2315

Final Thoughts

I've learned a ton on this forum over the last few years (THANK YOU). Enough to know that I've finally settled on a mid/long-term AA and to leave well enough alone (i.e. no inclination to mess with it, even though it's been less than optimal). And I'm better off not checking in and chiming in on pos...
by Beensabu
Sun Jul 11, 2021 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Traffic violation in CA
Replies: 74
Views: 6437

Re: Traffic violation in CA

I am almost certain they can’t enforce those camera tickets unless you acknowledge the notice you got in the mail. I’d look it up for the city or county you got it in. I got one and never acknowledged it and nothing came of it The next time you get pulled over is not going to be fun if you have a b...
by Beensabu
Sun Jul 11, 2021 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Traffic violation in CA
Replies: 74
Views: 6437

Re: Traffic violation in CA

It's like a $550 fine if you choose traffic school. Maybe $100 less if you don't. That's what you pay to the government for the privilege of being able to "educate" your way out of higher insurance rates. You can find an online traffic school that literally charges you $5. Check the site t...
by Beensabu
Sat Jul 10, 2021 12:34 am
Forum: Personal Consumer Issues
Topic: Tactics to get questions answered in a surgeon/doctor's office consult?
Replies: 44
Views: 4658

Re: Tactics to get questions answered in a surgeon/doctor's office consult?

Leave the social niceties at the door of the exam room. Just tell them straight up (politely) that you have a list of questions that you need answered, and you're not leaving until they are answered and you're comfortable that you understand the answers. Leave the social niceties at the door. Otherw...
by Beensabu
Sat Jul 10, 2021 12:24 am
Forum: Personal Investments
Topic: Recommended starter articles for investing today--for tomorrow
Replies: 20
Views: 1809

Re: Recommended starter articles for investing today--for tomorrow

Also, please forgive the uninformed question, but why is that ratio have two different percentages? That's probably gross vs. net expense ratio. Lastly, I'd been going back & forth about whether I should keep contributing to a Roth IRA vs. trying to get a little annual tax benefit w/ the trad. ...
by Beensabu
Thu Jul 08, 2021 8:55 pm
Forum: Personal Investments
Topic: Emerging Markets ETF - sell or hold?
Replies: 32
Views: 2843

Re: Emerging Markets ETF - sell or hold?

VWO makes up 3% of my total portfolio and I have a gain of $20k (long term - taxable) if I sell. Do you think it’s just worth holding on to this or consider selling and moving it into VXUS? Why would you choose to pay taxes when you don't have to? You did what you did. It's 3%. Just leave it alone ...
by Beensabu
Wed Jul 07, 2021 2:29 pm
Forum: Personal Consumer Issues
Topic: has dentistry changed, or is new dentist just a money grubber?
Replies: 116
Views: 11233

Re: has dentistry changed, or is new dentist just a money grubber?

feh wrote: Wed Jul 07, 2021 6:41 am ...this new dentist is pushing very hard to perform as many procedures as possible.

Thoughts?
Yeah... Some dentists are sales people. Others are not. You can identify which is which pretty quickly after the first time you get taken. Get copies of your imaging and find a different dentist.
by Beensabu
Tue Jun 29, 2021 7:16 pm
Forum: Investing - Theory, News & General
Topic: When Bonds Beat Stocks, 1800-2020
Replies: 74
Views: 8047

Re: When Bonds Beat Stocks, 1800-2020

But something different happened after World War II, as for the first time in market history, deflation did not occur following wartime — and U.S. prices have shown a consistent inflationary trend ever since. As for the mechanism for this change in inflation regime, I'm not sure there's a simple an...
by Beensabu
Mon Jun 28, 2021 9:43 pm
Forum: Investing - Theory, News & General
Topic: Why are you invested (mainly) in US stocks when all long term forecasts are in favour of ex-US?
Replies: 221
Views: 16643

Re: Why are you invested (mainly) in US stocks when all long term forecasts are in favour of ex-US?

A number of firms have made long term forecasts for equity returns. All of them are in favour of ex-US (it's easy to see why, based on valuations). https://www.morningstar.com/articles/1018261/experts-forecast-stock-and-bond-returns-2021-edition So why are so many people holding only US stocks, or ...
by Beensabu
Sun Jun 27, 2021 8:52 pm
Forum: Investing - Theory, News & General
Topic: Why are you invested (mainly) in US stocks when all long term forecasts are in favour of ex-US?
Replies: 221
Views: 16643

Re: Why are you invested (mainly) in US stocks when all long term forecasts are in favour of ex-US?

A number of firms have made long term forecasts for equity returns. All of them are in favour of ex-US (it's easy to see why, based on valuations). https://www.morningstar.com/articles/1018261/experts-forecast-stock-and-bond-returns-2021-edition So why are so many people holding only US stocks, or ...
by Beensabu
Sun Jun 27, 2021 5:59 pm
Forum: Personal Investments
Topic: Get Rid of All Bond Funds?
Replies: 73
Views: 9086

Re: Get Rid of All Bond Funds?

People need to realize that yields staying low (or potentially spiking and then going back to being low) isn't a reason to ditch bonds. It's just that bonds are becoming more volatile than they have been in the past. It's a change in behavior that can be traced to a cause: sustained low rates. Recog...
by Beensabu
Sun Jun 27, 2021 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: House prices expected to drop?
Replies: 97
Views: 10574

Re: House prices expected to drop?

That’s mostly gen Z in the article The millennial generation was born from 1981-1996. That's people currently aged 25-40. That article includes gen z and younger millennials. As of 2019, 17.8% of people aged 25-34 lived with their parents, according to this: https://www.census.gov/library/stories/2...
by Beensabu
Sun Jun 27, 2021 4:39 pm
Forum: Investing - Theory, News & General
Topic: Why are you invested (mainly) in US stocks when all long term forecasts are in favour of ex-US?
Replies: 221
Views: 16643

Re: Why are you invested (mainly) in US stocks when all long term forecasts are in favour of ex-US?

A number of firms have made long term forecasts for equity returns. All of them are in favour of ex-US (it's easy to see why, based on valuations). https://www.morningstar.com/articles/1018261/experts-forecast-stock-and-bond-returns-2021-edition So why are so many people holding only US stocks, or ...
by Beensabu
Sun Jun 27, 2021 4:26 pm
Forum: Investing - Theory, News & General
Topic: Deep History of Interest Rates, from 1311 to 2018
Replies: 44
Views: 5414

Re: Deep History of Interest Rates, from 1311 to 2018

That long term trend in interest rates is too slow to have any effect on our financial planning over the time we have been doing it. It is a "chart crime" if there are multiple periods hundreds of years earlier where real rates were higher. If the chart begins in the year 1400 there is no...
by Beensabu
Sun Jun 27, 2021 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: House prices expected to drop?
Replies: 97
Views: 10574

Re: House prices expected to drop?

For what it's worth it's trickier than people make it seem. First off we don't Need the house. Ours is currently paid off. Every place has drawbacks and I'm just aware of some of mine, some of which can be worked around and some that can't. The issue is I don't know if the money I would spend on a ...
by Beensabu
Sun Jun 27, 2021 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: House prices expected to drop?
Replies: 97
Views: 10574

Re: House prices expected to drop?

I have no interest in all cash offers, waiving of traditional protections like inspections, or getting into bidding wars. None of these were common in our area until the past year or so. There's your answer. If you don't want to play the game with its current rules, wait until the rules change to y...
by Beensabu
Sun Jun 27, 2021 3:15 pm
Forum: Investing - Theory, News & General
Topic: Thinking of abandoning my (global value) strategy. Should I do it?
Replies: 38
Views: 3467

Re: Thinking of abandoning my (global value) strategy. Should I do it?

I started investing seriously a few years ago and I greatly overweighted EM and Europe (in stocks) relative to market cap (and underweighted US - it makes up about 25% of my allocation to stocks)...So perhaps I should just stop thinking about it and change to a market cap based allocation? Though t...
by Beensabu
Sat Jun 26, 2021 4:21 pm
Forum: Investing - Theory, News & General
Topic: Good Reason to Hold Bonds and International Stocks - 1990's Japan
Replies: 239
Views: 13887

Re: Good Reason to Hold Bonds and International Stocks - 1990's Japan

Simplify. Stocks vs. bonds is about diversification. As is US vs. ex-US. VT vs VTI is like VTI vs QQQ is like QQQ vs AAPL. It's up to you how diversified you want to be. Where do you draw your line? At a single stock vs a sector? At a sector vs a country's stock market? At a country's stock market v...
by Beensabu
Sat Jun 26, 2021 1:54 pm
Forum: Personal Investments
Topic: Female Friend will say "Now What ?"
Replies: 58
Views: 12871

Re: Female Friend will say "Now What ?"

I understand not wanting to give out more information that isn't yours. Whatever the $$$ amount of annual spending is that isn't covered by her pension and SS --- it's important to have at least 10 years worth of that in fixed income / bonds no matter what. Since she is risk averse, she probably wan...
by Beensabu
Fri Jun 25, 2021 11:36 pm
Forum: Investing - Theory, News & General
Topic: Is inflation a global phenomenon?
Replies: 9
Views: 1113

Re: Is inflation a global phenomenon?

And since it is the opposite of a Bad Thing, deflation must be a Good Thing? It depends on how it affects you. Things costing less is good for consumers and bad for businesses. Businesses cut payroll if they make less. Getting paid less is bad if it happens to you. Losing your job is bad if it happ...
by Beensabu
Thu Jun 24, 2021 10:06 pm
Forum: Personal Investments
Topic: Stocks / Long-Term Treasures / Gold / REIT - Why Not?
Replies: 20
Views: 1409

Re: Stocks / Long-Term Treasures / Gold / REIT - Why Not?

You might want to read up on the permanent portfolio which is very similar (but uses cash/T-bills instead of REIT). Yes, great point. I basically concluded that PP was too conservative for my risk-tolerance and longer time horizon. And so wanted to see what happened if REITs are inserted into the C...
by Beensabu
Wed Jun 23, 2021 9:25 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, Tell Me About Your 30s?
Replies: 118
Views: 14294

Re: Bogleheads, Tell Me About Your 30s?

So those of you have been through your 30s, what say you? What should be the focus of this decade? What do you look back on and regret or pat yourself on the back about? Don't forget to have fun. Real fun (it actually makes you happy), not fake fun (you pretend it makes you happy). Do stuff that pu...
by Beensabu
Wed Jun 23, 2021 9:20 pm
Forum: Investing - Theory, News & General
Topic: Good Reason to Hold Bonds and International Stocks - 1990's Japan
Replies: 239
Views: 13887

Re: Good Reason to Hold Bonds and International Stocks - 1990's Japan

*Charts and data are from portfoliocharts.com. The site creator posts here :happy Do they have something like this for US stock and bonds? I bet that would be interesting to look at too. Edit: They do! Charts > Heat Map. You can check out all sorts of portfolios. And there are a bunch of other cool...
by Beensabu
Wed Jun 23, 2021 8:56 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, Tell Me About Your 30s?
Replies: 118
Views: 14294

Re: Bogleheads, Tell Me About Your 30s?

So those of you have been through your 30s, what say you? What should be the focus of this decade? What do you look back on and regret or pat yourself on the back about? Don't forget to have fun. Real fun (it actually makes you happy), not fake fun (you pretend it makes you happy). Do stuff that pu...
by Beensabu
Sun Jun 20, 2021 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Vaccine mandate for continued employment
Replies: 70
Views: 3302

Re: Vaccine mandate for continued employment

Doctors not all healthcare workers. The most educated ones amongst the healthcare workers. Do you see a difference? So the people who work closest with doctors distrust them? Interesting. How did that come about? I mean... do you trust doctors? To actually help you? I trust exactly 3.5 doctors. One...
by Beensabu
Sun Jun 20, 2021 10:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23788
Views: 3107029

Re: U.S. stocks in free fall

elderwise wrote: Sun Jun 20, 2021 10:30 pm Is it time for some gold, and commodity play? CLF , MT anyone?

Do metals (steel, copper) always do good when markets take a shter or inflation rises?
No.
by Beensabu
Sun Jun 20, 2021 10:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23788
Views: 3107029

Re: U.S. stocks in free fall

So you are sure? And you say domino effect? Interesting. At this hour, I think so. Now, Europe / US might not follow suit. Obviously the domino effect has to stop somewhere. Well. The US started it according to your theory, so it's the first domino. There could be a last domino or a middle domino t...
by Beensabu
Sun Jun 20, 2021 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Vaccine mandate for continued employment
Replies: 70
Views: 3302

Re: Vaccine mandate for continued employment

Da5id wrote: Sun Jun 20, 2021 10:14 pm On the actual topic, a federal district court in Texas has recently held that employers can mandate COVID vaccination as a condition of employment.
:shock: Wooooooooooow. I am super surprised that happened...
by Beensabu
Sun Jun 20, 2021 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Vaccine mandate for continued employment
Replies: 70
Views: 3302

Re: Vaccine mandate for continued employment

Everybody watch Gattaca. It's a fabulously prescient movie. For real, though, this is the reason I got vaccinated. Once the masking guidelines changed for the fully vaccinated, I realized it was going to be near impossible to ever find in-office employment otherwise. Employers are not allowed to mak...
by Beensabu
Sun Jun 20, 2021 10:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23788
Views: 3107029

Re: U.S. stocks in free fall

Asia is in the red big time. US pre-market is red. Here we go again. Hang on! Not sure why Asia's so red. Headlines say they're concerned about US hiking earlier. I mean, really? Why are they worried about that now I ask. When somebody says something, and then later they say something else, and the...
by Beensabu
Sun Jun 20, 2021 9:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23788
Views: 3107029

Re: U.S. stocks in free fall

Asia is in the red big time. US pre-market is red. Here we go again. Hang on! Not sure why Asia's so red. Headlines say they're concerned about US hiking earlier. I mean, really? Why are they worried about that now I ask. When somebody says something, and then later they say something else, and the...
by Beensabu
Sun Jun 20, 2021 9:26 pm
Forum: Investing - Theory, News & General
Topic: Why are LTT rallying now? Vineviz??
Replies: 36
Views: 5227

Re: Why are LTT rallying now? Vineviz??

Traders speculate in LTTs. They didn't really so much in decades prior. But now that yields are (and have been) low, that is when there is greater opportunity for short term appreciation. There is also a greater possibility of larger short-term losses. But the potential upside is somewhat higher tha...
by Beensabu
Sun Jun 20, 2021 8:55 pm
Forum: Personal Consumer Issues
Topic: How to save on water costs?
Replies: 91
Views: 6201

Re: How to save on water costs?

I'm surprised you're allowed to use sprinklers and nobody is giving you a hard time if your area is experiencing a drought. There's always that one yard... We lived next to the most beautifully landscaped native plant drought-resistant yard once. It's possible. Let the grass die. Research and plant ...
by Beensabu
Sun Jun 20, 2021 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Golden Handcuffs
Replies: 104
Views: 15601

Re: Golden Handcuffs

I'm not a "winner", so I'm not qualified to tell you to chill the f out and be happy, but... maybe you might want to chill the f out and be happy? You have enough for more lifetimes than you have in front of you. Why you would choose to continue to be stressed out based on some crap some o...
by Beensabu
Sat Jun 19, 2021 12:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16770
Views: 1327761

Re: U.S. stocks continue to soar!

anoop wrote: Sat Jun 19, 2021 12:25 pm I have 10% of my portfolio in stocks. I can't tell if I'm worried about that or the 90% that's in cash.
You're waiting to do something, and you thought you'd be doing it by now, and it's got you on edge that you haven't been able to yet, and you just can't even right now?

Bonds still exist.
by Beensabu
Sat Jun 19, 2021 12:36 pm
Forum: Investing - Theory, News & General
Topic: Decided To Move Towards Dr. Bernstein's If You Can Portfolio
Replies: 29
Views: 3991

Re: Decided To Move Towards Dr. Bernstein's If You Can Portfolio

You can still use VT.

2/3 VT and 1/3 bond

As long as you actually rebalance both ways and don't freak out when your bond fund loses value, overall volatility of the portfolio will probably be about the same with EDV as BND. Shocking.
by Beensabu
Fri Jun 18, 2021 8:02 pm
Forum: Personal Investments
Topic: Ideas to get 5-6%
Replies: 127
Views: 14662

Re: Ideas to get 5-6%

Damn, you're good. A+ for effort. Wrong crowd.
by Beensabu
Fri Jun 18, 2021 7:10 pm
Forum: Personal Investments
Topic: Ideas to get 5-6%
Replies: 127
Views: 14662

Re: Ideas to get 5-6%

How many years do I have to be here before I stop getting “since you’re new here” replies. That's just their way of telling you they're being kinder than they would be otherwise. Take it while it lasts. It would probably be more fun to hear “what they would say otherwise”. :) LOL. Probably somethin...
by Beensabu
Fri Jun 18, 2021 6:51 pm
Forum: Personal Investments
Topic: Ideas to get 5-6%
Replies: 127
Views: 14662

Re: Ideas to get 5-6%

ryanbohle wrote: Fri Jun 18, 2021 6:13 pm How many years do I have to be here before I stop getting “since you’re new here” replies.
That's just their way of telling you they're being kinder than they would be otherwise. Take it while it lasts.