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davidrmoran
I myself see a big pullback coming in the next six months but I don’t know that I have ever been correct over 45 years. I will put a lot of money in if a 10% pullback comes. I expect you r being prudent depending on how old you are. The thing is, if you’re young, you might as well stick it out and not try to time. He said.
I did this for both kids long ago, kept earnings amount notes but no meticulous logs, and indeed you can let the contribution amount serve as the earning note.
Thanks; I know all this, meaning (only) that I know what CAPE says about how it works and what DSE_X says about how it works.
Since w/ the mfunds it happens automatically monthly, I was simply trying to grok your
>> investing in ... the abi…
Dunno about either; figured you would explain further and more exactly re 'ability of a management team to maneuver within the volatility of those expiration dates' --- management's processes and dynamics and timing. The monthly churn (CAPE) is not …
For sure with its automatic monthly 'value churn', CAPE should underperform SP500 at times, and certainly has recently.
As for the effects of the bond sauce, which are not large, I get the following, rounded, total (unless I'm reading my calculato…
I now have in-laws in Vz and a sil here in the US, all his family are eager to join him, and shall. So I ask questions. And as they are nonwealthy middle-class it becomes clear to an outsider that life goes on there, and middle-class people and fami…
of course
for some all they can focus on (it seems in conversation or letter-writing) is the amount that goes to govs
correct, no forsaking on principle or for any other reason
I actually was thinking less of the Orangeburg shootings (e.g.) than the two hugely traumatic political assassinations that year, but yes about Detroit and other cities. I do not see this time as a matter chiefly of overreach, though, I have to add.
>> How many people wouldn't jump at the opportunity to get paid $500K after taxes as a working stiff?
Seriously? Lots. Since this appears to be a real question, I'd suggest you do not spend enough time w/ rage-filled libertarian types, or gr…
Roy Moore?
I think more muddling, for the most part. Economy and market will do okay some more. The "president" will probably be gone sooner than later. That will result in not as large an improvement as some keenly anticipate. (I foresee no catastr…
@VF,
DLEUX is Europe-oriented, not international. Unimpressive thus far.
Yeah, I myself would sell DSENX for spending money only, no other reason.
@Pudd,
We have two-thirds of the "president" 's term to go.
>> Taxes are a cost imposed on success
wow, wow, what a phrase that is --- as if nothing is joint and never was, and as if nothing is more important than costs
race to the bottom --- SaLT makes everyone head out for Kansas, Mississippi, etc.
@Paul,
Why bother? I have been asking myself that and have no good answer. Diversification ain't it, at least for foreign LC. Graph DODFX or FOSFX against DODGX and FUSEX.
Maybe EM and SC foreign offer some diversification, have not checked.
But …
Two family members, one perhaps higher-maintenance (older) and one perhaps more impatient with inefficiency and meh service (younger), are each pretty dissatisfied Vanguard customers. The older is a large-accountholder in index funds and the younger…
\\ >> the virtue of keeping life simple.
>>> What I like about these funds is that if the allocation is too conservative or too aggressive an investor could simply choose a different ...
>> Finally, they're affordable.
>>…
some of these are pretty easy and have been bruited for years
https://www.kiplinger.com/article/retirement/T051-C000-S002-ways-to-fix-social-security.html
https://money.usnews.com/money/blogs/planning-to-retire/2014/11/14/5-potential-social-securi…
I learned about ORP here, actually, from others; was asking msf if he had played with it, not that it fully parses what he seems interested in.
Yes, the projections and probabilities and especially the tax thing are all nice, albeit the tax advice…
Have you played with ORP?
This gets into the weeds:
https://medium.com/@justusjp/updated-withdrawal-efficiency-rates-8dfc6e0972b8
(may have already been posted, not sure)
Yes, much better.
Wasn't rationalizing, or trying to rationalize, anything, whatever it sounds like to you; just trying to be helpful wrt simplicity, but picking at another is more fun, I agree.
There are many ways to invest simply, and yours are …
>> It sounds like you're trying ... to rationalize buying iShares.
Oh no, I am found out --- my kickbacks from iShares for touting them here are enormous, it is true.
Was responding simply to this:
>> investors would place their entire portfolio into a single fund, even one as diversified as ...
Sure, there are differences.
Have always been curious who held or used the AO_ family, and why and for how l…
Not sure the AO_ family of etfs is quite as diversified, would be an interesting comparison, but AOA, AOK, AOR, AOM are a lot cheaper than the already inexpensive Fido bundles. No glide path, though, just funds of funds, so to speak.
oh, Ted
https://static1.squarespace.com/static/53f119fde4b0cc6081eeaacb/t/5965029e6a496308d1489594/1499792036807/planetapes.jpg
(Why do you have a movie still for your image? You know movies are not real, right?)
We have taken to buying used Priuses (not great if you need a minivan or pickup, naturally, both of which we have had) and our car expenses in all respects have never been lower. It makes a real cashflow difference.
crash, look at the history; it is wild, but many are willing to 'overpay' for skill (duh)
some say as long as under 10% not to overworry (how's that for equivocation?)
Only in America can we turn the victims into the aggressors.
hear
To Ted, Maurice, john, jojo and willmatt the idea that some 18yo whose classmates got murdered in cold blood gets uppity, or organized, or organizes, or speaks out even with assist…
@Maurice, this is the second or third recent time I am tempted to point out that you did not study the fracking links I provided, except everyone knows you'll say 'I did so, yes I did!' You know, you act substantive, but you are not substantive. You…
