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Forum: FIRE and Money 01-21-2010, 01:34 PM
Replies: 42
Views: 7,369
Posted By bosco
As an addendum, I will add that any method that I...

As an addendum, I will add that any method that I would consider should not trade frequently, nor have a lot of whipsaws. This method has built into it a 30 day wait between trades which can help or...
Forum: FIRE and Money 01-21-2010, 01:28 PM
Replies: 42
Views: 7,369
Posted By bosco
I use a variation of SSRN-A Quantitative...

I use a variation of

SSRN-A Quantitative Approach to Tactical Asset Allocation by Mebane T. Faber (https://papers.ssrn.com/sol3/papers.cfm?abstract_id=962461)

The paper is well worth downloading...
Forum: FIRE and Money 01-19-2010, 10:31 PM
Replies: 224
Views: 25,481
Posted By bosco
After reading Brewer's and Ha's last post, I...

After reading Brewer's and Ha's last post, I realize that I don't think of 'poor' and 'poverty' as necessarily being the same thing as not having a lot of money. It is for this reason that I get the...
Forum: FIRE and Money 01-19-2010, 06:30 PM
Replies: 125
Views: 20,426
Posted By bosco
Actually, it's easy, and done all the time. ...

Actually, it's easy, and done all the time.

Just get caught without health insurance, then get some form of malignant cancer. Pay out of pocket for treatment until the money runs out. Although...
Forum: FIRE and Money 01-19-2010, 06:24 PM
Replies: 224
Views: 25,481
Posted By bosco
Beans and rice are good for people of any means,...

Beans and rice are good for people of any means, but they don't constitute a healthy, balanced diet in and of themselves. Add in the brocolli, fruit, lettuce, tomatoes, etc. and you are getting...
Forum: FIRE and Money 01-19-2010, 01:35 PM
Replies: 224
Views: 25,481
Posted By bosco
The fact that you put quotation marks around...

The fact that you put quotation marks around 'hunger' leads me to believe that you don't think malnutrition and obesity can coexist?

Nutritional foods cost more money. The cheapest foods provide...
Forum: FIRE and Money 01-19-2010, 01:24 PM
Replies: 224
Views: 25,481
Posted By bosco
The callousness of some of the people on this...

The callousness of some of the people on this board never ceases to amaze me.

It's one thing to admit that you believe that anything you worked for is yours and yours alone, and that you did it...
Forum: FIRE and Money 01-19-2010, 12:38 PM
Replies: 42
Views: 7,369
Posted By bosco
I know this is the theory, and the party line,...

I know this is the theory, and the party line, but I have lost faith in this truism.

I suspect it is true during long periods of "normal" markets. But from what I've seen, when the fertilizer...
Forum: FIRE and Money 01-15-2010, 04:13 PM
Replies: 125
Views: 20,426
Posted By bosco
A phrase that always pops into my mind in these...

A phrase that always pops into my mind in these sort of discussions is "consumption smoothing." I think it was Burns and Kotlikoff. In my case, DW and I have some fairly decent pension income...
Forum: FIRE and Money 01-08-2010, 10:03 AM
Replies: 224
Views: 25,481
Posted By bosco
now you have departed from the rational and into...

now you have departed from the rational and into the realm of ethics. What you have described was referred to by Kant as the "categorical imperative." It is not rational in that it attempts to...
Forum: FIRE and Money 01-06-2010, 07:12 PM
Replies: 224
Views: 25,481
Posted By bosco
I think there is little in life scarier than the...

I think there is little in life scarier than the prospect of everybody and everything being too "rational." Corporations behave "rationally" when they hide behind the corporate veneer and hire...
Forum: FIRE and Money 12-30-2009, 07:53 PM
Replies: 17
Views: 2,734
Posted By bosco
Maybe somebody can help me understand something. ...

Maybe somebody can help me understand something. I have no brand loyalty. But I notice that people on this board are heavily skewed toward Vanguard. Why is that?

I understand that Vanguard has...
Forum: FIRE and Money 12-28-2009, 01:01 PM
Replies: 34
Views: 4,675
Posted By bosco
This is probably obvious, but one way to check...

This is probably obvious, but one way to check this is to figure out what life insurance policy you would have to buy to provide the same survivor benefits. If the premium would cost more than your...
Forum: FIRE and Money 12-26-2009, 08:33 PM
Replies: 13
Views: 7,858
Posted By bosco
It matters. You need to roll it into something. ...

It matters. You need to roll it into something. unless you want to pay taxes on the entire lump sum distribution. Make sure it is rolled directly. If you accept a check, they will withhold a...
Forum: FIRE and Money 12-24-2009, 11:10 PM
Replies: 9
Views: 3,127
Posted By bosco
I don't know for an absolute fact about the...

I don't know for an absolute fact about the taxing of a Roth in Canada. I do know that until fairly recently, they were treated like an after-tax brokerage account (i.e. you had to pay taxes on...
Forum: FIRE and Money 12-23-2009, 04:22 PM
Replies: 9
Views: 3,127
Posted By bosco
Thanks for the reference. Something similar...

Thanks for the reference.

Something similar occurs if you stop being a Canadian resident, regardless of citizenship. All property is marked to market when you depart, and you pay capital gains on...
Forum: FIRE and Money 12-23-2009, 02:37 PM
Replies: 9
Views: 3,127
Posted By bosco
I forgot to mention a fact you probably know. ...

I forgot to mention a fact you probably know. The US taxes you on worldwide income if you are a US citizen. Even if you have never set one foot in the US. It is one of only 2 countries in the...
Forum: FIRE and Money 12-23-2009, 02:22 PM
Replies: 9
Views: 3,127
Posted By bosco
In general, you need to realize that if you move...

In general, you need to realize that if you move to Canada as a US citizen you will pay more taxes.

The issue is not that taxes are all that much higher in Canada. If you consider your Canadian...
Forum: FIRE and Money 12-22-2009, 04:44 PM
Replies: 9
Views: 3,127
Posted By bosco
Your question depends to a very large extent on...

Your question depends to a very large extent on which country.

If the country is one that has a tax treaty with the US (as many do), then the treaty will set forth the rules.

In the case of...
Forum: FIRE and Money 12-13-2009, 10:45 PM
Replies: 41
Views: 4,593
Posted By bosco
About $500 for two in Alaska. No Costcos,...

About $500 for two in Alaska. No Costcos, Wincos, or Walmarts in this town.

It requires careful shopping, but we do ok. Whenever we are in the "big city" (Whitehorse or Juneau), we stock up. ...
Forum: FIRE and Money 12-13-2009, 01:38 PM
Replies: 285
Views: 28,245
Posted By bosco
Except that the lynchpin of your argument was...

Except that the lynchpin of your argument was that by going back 50 years a 7% bias would show the absurdity of any systematic inaccuracy. Which it would. But a 1% bias over 10 years would only be...
Forum: FIRE and Money 12-11-2009, 06:56 PM
Replies: 285
Views: 28,245
Posted By bosco
YTG, Allow me to point out a fairly obvious...

YTG,

Allow me to point out a fairly obvious flaw in your argument. You are arguing that systematic understating of the CPI would, over 50 years, be obvious due to compounding. You then (somewhat...
Forum: FIRE and Money 12-10-2009, 12:17 PM
Replies: 54
Views: 4,665
Posted By bosco
I realize that as Americans, we reflexively...

I realize that as Americans, we reflexively oppose all tax increases, and I don't like taxes any more than the next guy. But I think this bill has merit.

First, IRAs, Keoghs, etc. are exempted as...
Forum: FIRE and Money 12-10-2009, 12:13 PM
Replies: 285
Views: 28,245
Posted By bosco
You see, this is exactly the philosophical...

You see, this is exactly the philosophical difference in a nutshell. I am saying that the CPI originally was intended to measure the price of a specific basket of goods. The government has changed...
Forum: FIRE and Money 12-09-2009, 11:12 PM
Replies: 285
Views: 28,245
Posted By bosco
Apparently, goods are not substituted per se, but...

Apparently, goods are not substituted per se, but rather the government tinkers with the relative weightings based on perceived or likely consumer behavior.

I personally don't believe that the CPI...
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