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Re: Any Tips on wintering in the Bahamas ?

I've spent a lot of time in the Bahamas out-islands since 1979, and cruised to many of them on a boat including uninhabited islands. Nassau and Freeport only when I had to... so I cannot give you much specific advice... It is expensive because of the high duties (they know it would be impossible to ...
by BillyG
Sat Aug 30, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Any Tips on wintering in the Bahamas ?
Replies: 21
Views: 1648

Re: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."

Published prediction articles very often "seem[] well reasoned" My posting from a similar board made moment ago : "I could predict that the Buffalo Bills will win the 2015 Super Bowl. If I'm correct, I can remind everyone. If I'm incorrect, nobody will remember." It is not a pre...
by BillyG
Thu Aug 28, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 2881

Re: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."

Some of his "advice" in the article was troubling. Closed-end investment companies that hold municipal bond portfolios are traded on national exchanges at discounts from their net asset values and with yields over 6%. While they employ moderate leverage, and therefore do involve some extr...
by BillyG
Thu Aug 28, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 2881

Re: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."

Published prediction articles very often "seem[] well reasoned" My posting from a similar board made moment ago : "I could predict that the Buffalo Bills will win the 2015 Super Bowl. If I'm correct, I can remind everyone. If I'm incorrect, nobody will remember." It is not a pre...
by BillyG
Thu Aug 28, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 2881

Re: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."

Wow -- these are some strong comments here stating that the article makes a "prediction" or that Malkeil is somehow viewed as a "guru." Maybe folks had too much caffeine this morning and think they themselves are the gurus. Malkeil is a respected author and his books are highly r...
by BillyG
Thu Aug 28, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 2881

Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."

"Are Stock Prices Headed for a Fall?" Link to wsj.com http://online.wsj.com/articles/burton-g-malkiel-are-stock-prices-headed-for-a-fall-1409178881 open link: http://omnifeed.com/article/online.wsj.com/articles/burton-g-malkiel-are-stock-prices-headed-for-a-fall-1409178881 Article seems we...
by BillyG
Thu Aug 28, 2014 7:40 am
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 2881

Re: Global entry and Nexus (not the phone)

The card is pretty worthless. I have never had to use it but some people use it to keep track of their trusted traveler ID. Put Global Entry info in your airline profile and the TSA Pre goes on your boarding pass automatically, unless they randomly bump you back to regular security which they do occ...
by BillyG
Mon Aug 25, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Global entry and Nexus (not the phone)
Replies: 16
Views: 1003

Re: Driving in Costa Rica

We went to Costa Rica last Christmas and rented a car from SJO airport to the Arenal area. You absolutely do NOT need 4WD if all you are doing is driving to Arenal and around the surrounding area. The roads are not bad at all (for that trip -- in other parts of the country they may be much worse) bu...
by BillyG
Fri Aug 22, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Driving in Costa Rica
Replies: 23
Views: 1610

Re: Solo 401k-Wife Question

You can contribute the maximum to an IRA, and it may or may not be with pre-tax money depending on your income and situation. Then roll over the IRA into the 401(k) if that's where you want it, but it will be at the IRA limit, not the 401(k) limit. Be sure to get a solo 401(k) that accepts rollovers...
by BillyG
Thu Aug 14, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solo 401k-Wife Question
Replies: 4
Views: 334

Re: Any Opinions on Mirrorless Cameras?

I was about to jump into mirrorless territory but instead bought a Sony RX100. The Sony has a much larger sensor than the compacts but not as large as the mirrorless cameras. The photo quality is really good and the electronics, focusing and processing are superb. The lens is not interchangeable but...
by BillyG
Wed Aug 13, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2057

Re: Copyright question

Here are some copyright FAQs, including how to copyright your sightings of Elvis (take a look, I am serious).
http://copyright.gov/help/faq/index.html

Billy
by BillyG
Tue Aug 12, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Copyright question
Replies: 27
Views: 1461

Re: Copyright question

A month ago I made a presentation on a topic I have created myself. It's a mix of science (Behavioral Economics) and personal relationships (Dating), or BED. The presentation went well and several people asked for a copy of my slides, because the conference itself does not maintain a database of pr...
by BillyG
Tue Aug 12, 2014 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Copyright question
Replies: 27
Views: 1461

Re: Sources for Discovering Dishwasher Quality

I second the commenter who suggested Gardenweb: http://ths.gardenweb.com/forums/appl/ Consumer Reports is practically worthless for this sort of thing. There is no "best" dishwasher or fridge or anything else -- it is about tradeoffs and preferences in addition to quality. Also, don't be m...
by BillyG
Tue Aug 12, 2014 11:22 am
 
Forum: Personal Consumer Issues
Topic: Sources for Discovering Dishwasher Quality
Replies: 36
Views: 1829

Re: Questions from a novice

OP, more details are needed. In the ORP do the matching funds vest immediately, or in 30 years, or some time in between? It sounds like a great deal in any event but it would be good for you to dig deep and study the details of the plans so you can figure out how they work as well as describe them h...
by BillyG
Fri Aug 08, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions from a novice
Replies: 17
Views: 957

Re: Cancun Hotel Recommendation wanted.......

Cut-throat, My wife used to go to Cancun 30-40 years ago when there were just a few hotels there. You wouldn't believe what they have done and she doesn't like it anymore... Have a great time down in Sian Kaan. I haven't been down as far as Grand Slam Lodge -- only drove about 20 miles south of Tulu...
by BillyG
Fri Aug 08, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Cancun Hotel Recommendation wanted.......
Replies: 10
Views: 704

Re: Stop Passing Up This Great Deal - In Money Magazine

Being in a much higher tax bracket at retirement than I was early in the accumulating stage, I wish I had Roth accounts available to me then. I agree that if you cannot contribute to the limit of a Roth then contribute a higher amount in traditional. But if you can contribute the full amount in a R...
by BillyG
Fri Aug 08, 2014 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 11078

Re: Cancun Hotel Recommendation wanted.......

If you are going fishing down in the Sian Kaan preserve, that is gorgeous! I guess I will try to talk you out of Cancun too. I did something similar to you -- tacked on Cancun for a few days after a trip further south. I hated Cancun and won't go back, even though we had a killer suite on the front ...
by BillyG
Thu Aug 07, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: Cancun Hotel Recommendation wanted.......
Replies: 10
Views: 704

Re: Advice: Remodel of kitchen, bath, and basement?

The advice so far is good. Some porcelain tile is better than others. SpectraLock epoxy grout is great stuff -- as long as they do the cleanup correctly. Also, us Kerdi for waterproofing under the tile in showers and bath surrounds. A good architect will pay dividends... but sometimes it is hard to ...
by BillyG
Mon Aug 04, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Advice: Remodel of kitchen, bath, and basement?
Replies: 30
Views: 1422

Re: Advice: Remodel of kitchen, bath, and basement?

If you've never done this then I suggest you do just one bath or maybe the basement first. Then apply what you've learned when you do the other renovations. It is risky to do all of this at once if you've never been through all of this and you don't know FOR CERTAIN that your contractor is top notch...
by BillyG
Mon Aug 04, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Advice: Remodel of kitchen, bath, and basement?
Replies: 30
Views: 1422

Re: Are you feeling squirrely about your stocks?

Squirrels are conservative investors. Notice how they eat what they need and then "squirrel" away their acorns (bonds) for later consumption? Invariably some of the buried acorns grow into oak trees and produce more acorns -- the acorns that grow are known as "stocks." Maybe ther...
by BillyG
Mon Aug 04, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Are you feeling squirrely about your stocks?
Replies: 9
Views: 951

Re: Wall Street Journal Subscription Increase

I have found that if one reads The Wall Street Journal, there really is not a need for any other business publications such as Barron's, BusinessWeek, etc. unless one has a personal preference. It just struck me [and I should be embarrassed since this is Bogleheads with a focus on finances] but I h...
by BillyG
Sun Aug 03, 2014 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Wall Street Journal Subscription Increase
Replies: 29
Views: 2326

Re: Thanks Bogleheads

What a nice blast from the past!

It was a "financial plan" that lead me to Bogleheads as well. Like most plans, it was labeled with my name instead of being honest that it was actually the advisor's financial plan...

Billy
by BillyG
Fri Aug 01, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Thanks Bogleheads
Replies: 8
Views: 1001

Re: How Much Did You Lose Today?

SGM wrote:I haven't looked. Wouldn't you know it my last day of work and the Dow loses 300 plus points. Still I had the best night's sleep I have had in a while. :sharebeer


A big congratulations!!!

Billy
by BillyG
Fri Aug 01, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14171

Re: Can't decide final New Construction Option for Master Ba

Why can't you do exactly what you want? Are these the builder package limitations? Talk to the builder about other possibilities... I would go for Option 2 and skip the tub unless you or the other Master wants a tub. And get the tile you want or you will always regret it. Make sure they use Kerdi wa...
by BillyG
Fri Aug 01, 2014 12:00 am
 
Forum: Personal Consumer Issues
Topic: Can't decide final New Construction Option for Master Bath
Replies: 16
Views: 983

Re: How Much Did You Lose Today?

I had new money to invest today so I bought Total Stock Market Index at the end of the day. It's great to get it at a discount compared to yesterday. I wonder how much I saved today?

I didn't sell any funds today so I didn't "lose" anything.

Billy
by BillyG
Thu Jul 31, 2014 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14171

Re: How many families use 529 plans?

I started 529s for my two children as soon as they were born. The power of automatic deposits and compounding is amazing... and I get MD state tax breaks. I also periodically increase my automatic contributions as my income has increased. It started at $200/month (or was is $100/month??) and it is n...
by BillyG
Thu Jul 31, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6557

Re: "What Has Time Taught Bill Bernstein?"

I'm reading this book this week, on vacation. Today I read through a tough part and took a nap on a bench by a lake before going for a swim. It was a good day. Thanks, Bill!
Billy
by BillyG
Fri Jul 25, 2014 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: "What Has Time Taught Bill Bernstein?"
Replies: 19
Views: 3963

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

There are too many contingencies here -- you have no idea if he will file bankruptcy and it is kind of strange your "friend" raised this issue that he "might" file for bankruptcy. Doesn't he or his employer have insurance covering his healthcare work? Even if he loses the case th...
by BillyG
Thu Jul 17, 2014 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 7766

Re: Costa Rica

The Monteverde Cloud Forest is amazing if you like wildlife and gorgeous nature and scenery, and at almost a mile high it is cooler than the beach areas.

Tripadvisor is your friend.

Billy
by BillyG
Tue Jul 15, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 11
Views: 1784

Re: A Big Thank You After Visiting Accountant

I wish I could call myself a "younger" member but I'll have to leave it as a "newer" member.

I truly appreciate all of the fabulous advice here and the passion for accurate thinking and high ethics. Thanks everyone.

Billy
by BillyG
Sat Jul 12, 2014 5:48 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: A Big Thank You After Visiting Accountant
Replies: 17
Views: 2653

Re: Contractor Messed up

No, don't ask for a discount for your time and delay. If you had a time schedule in your contract and they didn't meet it, that's a different story. Remember, they are spending extra time on this and even though it's not your fault it is real money to them. Investing extra time and project delays ar...
by BillyG
Fri Jun 27, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: Contractor Messed up
Replies: 45
Views: 2966

Re: Keeping mold out of bath/shower

Keeping I dry is the main factor you can control. In addition to drying the wall, use the bath fan or an external fan if necessary.
by BillyG
Wed Jun 25, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 32
Views: 2982

Re: Location does matter when measuring asset allocation

When I saw the thread title I thought "location" in terms of where you live when you retire... which affects the state tax rate on certain things like IRA withdrawals. This adds another variable and another unknown in terms of future tax laws, and for some who have not decided where they a...
by BillyG
Sun Jun 22, 2014 10:42 am
 
Forum: Investing - Theory, News & General
Topic: Location does matter when measuring asset allocation
Replies: 45
Views: 3020

Re: 70th Anniversary of D Day

On this D-Day anniversary, here's a big heartfelt thank-you to Taylor Larimore and his WWII contributions and sacrifices he and others made for all of us!! For those of you who do not know he was a paratrooper in the 101st Airborne during the Battle of the Bulge (I hope I got that right).
Billy
by BillyG
Fri Jun 06, 2014 11:12 am
 
Forum: Local Chapters and Bogleheads Community
Topic: 70th Anniversary of D Day
Replies: 18
Views: 1180

Re: Prague for the insider

You will have a wonderful time in that gorgeous city! No doubt you will walk across the Charles bridge and through Old Towne Square, both of which are very nice. Check out the astronomical clock in Old Towne Square -- from the 1300s and still operational. http://www.tripadvisor.com/Attraction_Review...
by BillyG
Thu Jun 05, 2014 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Prague for the insider
Replies: 11
Views: 940

Re: 1 Year Bogleheadiversary - Before and After Picture

Congrats, Swimirvine! That's a wonderful makeover. I'm also in MD, but not an MD. There is a Bogleheads chapter in DC that meets every two months. I hope to meet you at the Bogleheads conference this year. I second the comment about getting more term life (for you and your wife) considering you have...
by BillyG
Thu May 29, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1 Year Bogleheadiversary - Before and After Picture
Replies: 70
Views: 9332

Freakonomics Authors Blast Stock Pickers

This is nothing new, but today the Freakonomics authors blasted stockpickers on CNBC. Short quote: "And if you look at, let's say, stock picking advice specifically, you find that the experts, the people that we must revere, the people that we pay the most, are generally about as good as a monk...
by BillyG
Thu May 29, 2014 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: Freakonomics Authors Blast Stock Pickers
Replies: 2
Views: 968

Re: Flights D.C. to London: Buy now or wait?

When I fly to Europe, I like to have a window seat, so that I could go to sleep and not need to get up to let someone through. When I fly from Europe and within the U.S., I like to have an aisle seat, so that I can get up and stretch. Exactly - me too. I also eat before I get on the plane flying to...
by BillyG
Sun Apr 20, 2014 7:45 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 50
Views: 9228

Re: Contractor not licensed but insured

You should ask to see their other jobs and speak with previous clients before you go forward. This is the best insurance YOU can have. Insurance doesn't insure you will like the job -- it is more for personal liability and you should ask to see the certificate and confirm it. A bond doesn't mean jac...
by BillyG
Fri Apr 11, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Contractor not licensed but insured
Replies: 15
Views: 983

Re: Why Americans are Retiring Overseas

Really, you would rather live in Thailand than the Southern US? Absolutely. Someone in an interracial, same-sex marriage just isn't going to feel at home in the Southern US in this lifetime, I am afraid. While the LGBT rights are still not great in Thailand, I would still prefer to live there . Tha...
by BillyG
Tue Apr 08, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 11864

Re: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Victoria, Of course we don't have to be limited to a diet of bullets in retirement. After you have been eating steak along time, beans taste just fine. I just don't want to drink the Kool-Aid though. :wink: See you at the conference. SGM I thought the idea was to eat beans now so we can (afford to ...
by BillyG
Fri Apr 04, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 84
Views: 13486

Re: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT

SGM wrote:I signed up for my third conference. My brother and his wife signed up again. They learned a lot from last year's conference. See you there.


I look forward to seeing you there, along with your brother and his wife! I signed my Dad up as well, and hopefully he can make it.

Billy
by BillyG
Wed Apr 02, 2014 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 84
Views: 13486

Re: Saving on major renovations

This is all good advice -- I agree with Hand about Bluestar is a far better stove for cooking than Wolf, but buyers like those red Wolf handles...

Is there any way to split this renovation into stages, or are you opening all the walls?

Billy
by BillyG
Tue Apr 01, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Saving on major renovations
Replies: 33
Views: 3055

Re: Written IPS strategy for next crash - Advice?

Excellent post, nisiprius.

I'll offer an analogy. OP assumes that if rebalancing is good, then over-rebalancing is better. Applying the same logic to driving, when you start to go off the road and you make a steering correction, what do you think will happen if you over-steer?

Billy
by BillyG
Tue Apr 01, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Written IPS strategy for next crash - Advice?
Replies: 15
Views: 1409

Re: New Friends are the Anti-Bogleheads, what to do?

My inclination would have been to say something when they brought up the investment advisor swooping into town to save them. But I would not have said anything about their spending. That's their business. Unless you can turn it into a joke like "tell me whose boat it is -- was that HIS idea?&qu...
by BillyG
Sun Mar 30, 2014 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8985

Re: Anyone been to Singapore?

+1 on the hawker stands and food courts. If you don't like seafood there are plenty of other options including very good satay. Curry laksa is a great soup without seafood. You'll find the best food in the world there -- I liked it better than the food in Penang. Also be sure to eat plenty of ripe t...
by BillyG
Mon Mar 24, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Anyone been to Singapore?
Replies: 23
Views: 2101

Re: any gotchas with 401K consolidation?

I guess one other concern is the potential for a company to change its 401(k) provider and investment choices. This of course is an unknown. Having two 401(k)s available may be a way to hedge against this unknown. I had four 401(k)s and reduced this to two 401(k)s through consolidation. One of them ...
by BillyG
Wed Mar 12, 2014 4:50 am
 
Forum: Investing - Help with Personal Investments
Topic: any gotchas with 401K consolidation?
Replies: 5
Views: 656

Re: any gotchas with 401K consolidation?

If the 401(k) you're abandoning has a Stable Value fund you may want to keep it.
Billy
by BillyG
Tue Mar 11, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: any gotchas with 401K consolidation?
Replies: 5
Views: 656

Re: Attic Retrofit: Spray Foam Insulation [Updated w Images]

likegarden, polyurethane foam is different from the foam used in the 1960s. No formaldehyde. JimB, closed cell foam does not have the moisture issue under a roof; open cell foam does. You have to consider where is the air barrier, where is the insulation, and where is the vapor barrier, if any. It i...
by BillyG
Fri Feb 28, 2014 3:08 am
 
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 40
Views: 3947

Re: Attic Retrofit: Spray Foam Insulation [Updated w Images]

Dan, I'm a little concerned about the water stain near the gutter. When you had the roof re-done did they use something like Grace Ice & Water Shield as a peel and stick membrane along all the eaves and at the gables before they installed the shingles? Ice dams are generally caused by heat under...
by BillyG
Fri Feb 21, 2014 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 40
Views: 3947
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