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Re: Car Rental Return Frustration in Spain

I love the adventure of international travel but sometimes we don't appreciate the experience until after the fact, when retelling the stories.
Billy
by BillyG
Wed Oct 29, 2014 8:00 am
 
Forum: Personal Consumer Issues
Topic: Car Rental Return Frustration in Spain
Replies: 17
Views: 1511

Re: Bogleheads.org equivalents for other areas of life?

Ceramic and porcelain tilesetting advice (both DIY and professional):
http://www.johnbridge.com

Forums:
http://www.johnbridge.com/vbulletin/

The founder of the forum even published his own tilesetting books (sounds familiar?)!

Billy
by BillyG
Tue Oct 28, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 69
Views: 6735

Re: Closing a house on Thursday but...

If you are comfortable with the neighborhood don't worry about and invest in burglar-proofing your new house.

If you are not comfortable with the neighborhood, that's a different question.

Good luck!

Billy
by BillyG
Tue Oct 28, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Closing a house on Thursday but...
Replies: 21
Views: 2117

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

Just slides? Sorry but I find slide presentations all but useless. Bummer. That's a strange response to a gift... Lady Geek said videos will be posted later, just like they are for all recent BH Conferences. Then you can watch the video with the presentation. Patience in investing and life will gro...
by BillyG
Tue Oct 28, 2014 9:14 am
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 48
Views: 4361

Re: Bogleheads.org equivalents for other areas of life?

Yes, Sawmill Creek is great for woodworking.

For digital photography try www.dpreview.com

Billy
by BillyG
Mon Oct 27, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 69
Views: 6735

Re: Bogleheads.org equivalents for other areas of life?

I have a great forum for kitchen design. Most of the participants are ladies who are very friendly and have excellent understanding of both aesthetics and function. They understand that function is most important in a kitchen but they do not compromise on aesthetics. There are lots of photos and the...
by BillyG
Sun Oct 26, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 69
Views: 6735

Re: Bogleheads.org equivalents for other areas of life?

There is great information about construction, carpentry and general woodworking available at Breaktime 3 http://forums.delphiforums.com/Breaktime_3 It is a spinoff group that originated with Fine Homebuilding before they blew up their web forum software over 5 years ago. They have extensive knowled...
by BillyG
Sun Oct 26, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 69
Views: 6735

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

There were a lot of questions about advice related to the bond portion of a portfolio. The questions were largely driven by current low bond returns and/or fear of interest rate risk in that increasing rates will drive down the value of a bond fund (although the extent of this effect was debated wit...
by BillyG
Sat Oct 25, 2014 2:33 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 48
Views: 4361

Re: Thank You!!! BH #13 (2014)

I wish I could be at the bar tonight, like I was on Wednesday and Thursday nights! It was a fabulous meeting. There is no one like Jack Bogle and no group like the Bogleheads (and no financial company like Vanguard). A heartfelt thank you to everyone who made this possible. Billy PS Remember that Va...
by BillyG
Fri Oct 24, 2014 8:21 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 48
Views: 4361

Re: Borescope for inspecting dryer vents and AC ducts

I understand the benefits of a TPO (Tool Purchase Opportunity) as well as anyone, but do you really need a borescope for dryer vents and HVAC ducts? Dryer vents need to be cleaned periodically, so just do it. You don't need to look at them. HVAC ducts don't really need to be cleaned, and looking at ...
by BillyG
Fri Oct 17, 2014 7:34 am
 
Forum: Personal Consumer Issues
Topic: Borescope for inspecting dryer vents and AC ducts
Replies: 9
Views: 1336

Re: Former employee patent compensation

I agree with the comments above.

Be careful about whether the contract requires you to assign "new" or related inventions to your old company.

Billy
by BillyG
Fri Oct 17, 2014 7:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Former employee patent compensation
Replies: 5
Views: 711

Re: How did you get from $1M to $10M

I have no specific advice other than I agree Brian Tracy is fabulous -- very concise and logical. I've been listening to him since the mid-1980s and he has helped me immensely. But I'm not at $10M yet!
Billy
by BillyG
Thu Oct 16, 2014 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you get from $1M to $10M
Replies: 46
Views: 4056

Re: Abigail Johnson Named Head of Fidelity Investments

Taking over from her father -- keep it in the family. No big surprise here. http://online.wsj.com/articles/abigail-johnson-named-ceo-of-fidelity-investments-1413226082?mod=djemalertMARKET Billy Will Fidelity be now renamed into "Johnson and Johnson" or "Johnson after Johnson"? V...
by BillyG
Tue Oct 14, 2014 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Abigail Johnson Named Head of Fidelity Investments
Replies: 5
Views: 1096

Re: What evidence would prove the Boglehead mentality wrong?

VictoriaF wrote:You are referring to the first type of studies. My cited comment was about individual investors, irrespective of their investing approaches.


I see, that makes sense.

Billy
by BillyG
Mon Oct 13, 2014 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 15626

Re: What evidence would prove the Boglehead mentality wrong?

However, claiming that expert performance is impossible by citing studies that are based on the averages is a flawed argument. Many of us would be offended if someone had claimed that it's impossible to accumulate X dollars by the age of Y, because, statistically, most people in the same demographi...
by BillyG
Mon Oct 13, 2014 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 15626

Abigail Johnson Named Head of Fidelity Investments

Taking over from her father -- keep it in the family. No big surprise here.
http://online.wsj.com/articles/abigail- ... lertMARKET

Billy
by BillyG
Mon Oct 13, 2014 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: Abigail Johnson Named Head of Fidelity Investments
Replies: 5
Views: 1096

Re: What evidence would prove the Boglehead mentality wrong?

Postigname, your claim to "not reading academic studies" is a dodge. It is as if you consider all studies to be "academic" and therefore not worthy of your attention. Or collaterally, you are not interested in considering factual data, considering others' conclusions, and forming...
by BillyG
Sun Oct 12, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 15626

Re: Rebalancing Bands

Bill Bernstein has one of the most thoughtful discussions of rebalancing bands in his recent Investing for Adults book series. He suggests making the bands wide enough so they don't kick in more frequently than every year or two, as was explained above with respect to "capturing momentum" ...
by BillyG
Sat Oct 11, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Rebalancing Bands
Replies: 15
Views: 1180

Re: Indoor tankless water heater recommendations

Runner26, Tankless units are not all the same. Make sure the builder sends you the model number in advance for your approval. You need to check the specs and flow rate to make sure it will handle however many shower/washing machines etc. you expect to run simultaneously. And don't pay your final bil...
by BillyG
Fri Oct 10, 2014 7:53 pm
 
Forum: Personal Consumer Issues
Topic: Indoor tankless water heater recommendations
Replies: 29
Views: 1919

Re: Robert Shiller on What to Watch in This Wild Market

nisiprius wrote:

How can anyone get excited enough about a silly bond to create a mania?


I agree. Stock index funds are for [getting excited] building wealth and bonds are for keeping it.

Billy
by BillyG
Fri Oct 10, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: Robert Shiller on What to Watch in This Wild Market
Replies: 7
Views: 1977

Re: Robert Shiller on What to Watch in This Wild Market

He also says this about bonds in answer to a question about a "bond bubble": “A bubble is a product of feedback from positive price changes that create a ‘new era’ ambience in which people think increasingly that prices will go up forever,” Prof. Shiller says. Today’s bond market, he adds,...
by BillyG
Fri Oct 10, 2014 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: Robert Shiller on What to Watch in This Wild Market
Replies: 7
Views: 1977

Re: Robert Shiller on What to Watch in This Wild Market

nisiprius, I really liked that last quote as well.

Questioning whether assumptions have changed is good; saying that history has changed is more dangerous as in "this time it is different..."

Billy
by BillyG
Fri Oct 10, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Robert Shiller on What to Watch in This Wild Market
Replies: 7
Views: 1977

Robert Shiller on What to Watch in This Wild Market

Good article in today's WSJ: http://blogs.wsj.com/moneybeat/2014/10/10/robert-shiller-on-what-to-watch-in-this-wild-market/ Do a Google search on the article title to get past the WSJ paywall. Excerpt: "Today’s level, Prof. Shiller argues, isn’t extreme enough to justify a strong conclusion. So...
by BillyG
Fri Oct 10, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Robert Shiller on What to Watch in This Wild Market
Replies: 7
Views: 1977

Re: What evidence would prove the Boglehead mentality wrong?

I am interested in hearing which actively managed equity funds you believe are "superior"?

Thanks,
Bily
by BillyG
Thu Oct 09, 2014 8:29 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 15626

Re: Indoor tankless water heater recommendations

I was sold on tankless until I researched in depth and decided it would not work well for my family, plus the annual maintenance costs for tankless that you don't have with a tank water heater. We went with a tank water heater with extra thick insulation on the tank (more efficient) and a big burner...
by BillyG
Thu Oct 09, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: Indoor tankless water heater recommendations
Replies: 29
Views: 1919

Is the New 'Bond King' a Machine?

Of course it is about index funds like Vanguard's Total Bond Market index fund. Subscription required or Google the title.

http://blogs.wsj.com/totalreturn/2014/1 ... _Video_Top

Billy
by BillyG
Tue Oct 07, 2014 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: Is the New 'Bond King' a Machine?
Replies: 0
Views: 301

Re: house odor after crawlspace encapsulation

With three feet of water standing in the house for a few weeks after Katrina the photos of mold were almost works of art, but not in a good way!
Billy
by BillyG
Thu Oct 02, 2014 5:50 am
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3421

Re: house odor after crawlspace encapsulation

Rusty, Santa Fe also makes high efficiency dehumidifiers for crawlspaces and other applications, and they have for some time. It looks like they might make the model for Honeywell, but I don't know. They are available online, and here's their website for product comparisons: http://www.santa-fe-prod...
by BillyG
Wed Oct 01, 2014 10:25 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3421

Re: U.S. stocks in freefall

Yet another intense and emotional stay the course day...

...jumping out of tall buildings from the front steps.

It sure feels great to be a Boglehead.

Billy
by BillyG
Wed Oct 01, 2014 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 157629

Re: house odor after crawlspace encapsulation

Rusty, I think that's a good idea to try out the dehumidifier. I still wonder why the humidity is so high. Is there a loose crawlspace door? No signs of any water (or sewer) leaks, right? The smell is strange. It may be worth having your encapsulation guy come out and take a look and a sniff. Good l...
by BillyG
Wed Oct 01, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3421

Re: house odor after crawlspace encapsulation

rusty, I may have missed it if you answered, but does your crawlspace have air conditioner or dehumidifier in it? There is a small outlet from the main HVAC supply plenum, as per code. I do have a stand-alone dehumidifier that I could try putting down there. As humidity is only 70%, and a good bit ...
by BillyG
Wed Oct 01, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3421

Re: house odor after crawlspace encapsulation

DireWolf, If you read the links I sent you will see this subject is not controversial except by those who have an "opinion" not based on facts -- it is backed up with PhD studies and pretty obviously moldy vented crawlspaces in existing houses. It's not really reasonable to expect a contr...
by BillyG
Tue Sep 30, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3421

Re: house odor after crawlspace encapsulation

Saladdin,

You are correct. Ideally a crawl space should be built as a conditioned basement. Retrofits are more difficult.

A vented crawl space might be like living in a trailer with the underfloor area open to the weather...

Billy
by BillyG
Tue Sep 30, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3421

Re: house odor after crawlspace encapsulation

DireWolf, If you read the links I sent you will see this subject is not controversial except by those who have an "opinion" not based on facts -- it is backed up with PhD studies and pretty obviously moldy vented crawlspaces in existing houses. It's not really reasonable to expect a contra...
by BillyG
Tue Sep 30, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3421

Re: house odor after crawlspace encapsulation

We have a crawlspace. It has many vents. I suspect they might be there for a reason. There's new thinking on the subject of crawlspaces....seems it's now the rage to seal them up, vents and all. If you've got any moisture problems at all in your crawlspace (and I've never owned a house that didn't)...
by BillyG
Tue Sep 30, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3421

Re: house odor after crawlspace encapsulation

You did the right thing to seal and insulate your crawl space. In most climates a vented crawl space is a really bad idea and you are asking for problems. Like someone said, maybe there is a dead animal or a leak somewhere. 70% humidity is really high so you do need a dehumidifier. Many suggest that...
by BillyG
Tue Sep 30, 2014 8:30 am
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3421

Re: Bill Gross moving from PIMCO to Janus, Monday

Maybe they had to get rid of Bill Gross to talk El-Erian into coming back? But this is pure speculation...
by BillyG
Fri Sep 26, 2014 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10087

Re: headphones for running

by BillyG
Fri Sep 26, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: headphones for running
Replies: 40
Views: 1679

Re: Will Bill Gross beat the Total Bond Market Index?

I think it is very likely that, in general, PIMCO Total Return (PTTRX) has slightly higher return and slightly higher risk than Vanguard Total Bond (VBMFX). I think it is possible that some of that risk will eventually show up as a sudden unpleasant surprise, like it did in 2011 .Of course I am a J...
by BillyG
Fri Sep 26, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 5950

Re: Bond King Gross to leave Pimco for Janus

Could it be connected to this, below? It's probably not directly related.
viewtopic.php?f=10&t=147515
by BillyG
Fri Sep 26, 2014 8:53 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10087

Re: "Pimco ETF Draws Probe by SEC"

Here's another thread on this I started last night. I like the chart you posted.

viewtopic.php?f=10&t=147515

Billy
by BillyG
Wed Sep 24, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Pimco ETF Draws Probe by SEC - ETF Returns Inflated?
Replies: 22
Views: 1619

Pimco ETF Draws Probe by SEC - ETF Returns Inflated?

News item: Pimco ETF Draws Probe by SEC Regulators Are Probing Whether Returns Were Artificially Inflated for an ETF at Bill Gross's Firm http://online.wsj.com/articles/pimco-etf-draws-probe-by-sec-1411524226?mod=djemalertMARKET Use a Google search on the title to get past the paywall. If true, I wo...
by BillyG
Tue Sep 23, 2014 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: Pimco ETF Draws Probe by SEC - ETF Returns Inflated?
Replies: 22
Views: 1619

Re: How to pay for Home Addition

Even architects can lead you astray, especially if they have no real understanding about the details of modern construction and the CURRENT construction costs. In particular, very few understand how to design with air sealing and modern insulation approaches in mind. I think most architects fall int...
by BillyG
Mon Sep 22, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: How to pay for Home Addition
Replies: 23
Views: 2162

Re: "Why 97% of People Don't Use 529 College Savings Plans."

529 saving plans can help behaviorally and force good discipline especially if using automatic investments. That's one of the benefits of 401(k)s as well, in addition to the tax benefits. The withdrawal penalty can be a blessing (to reinforce discipline) or a curse (if you really NEED to get to the ...
by BillyG
Thu Sep 11, 2014 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10835

Re: Sump Pumps

Regarding sump pumps, the building department relayed the following: "This house is built on sand with excellent drainage. No foundation drainage system was required for this dwelling. I did suggest to the builder to install an optional sump pit in the floor slab for a future pump if required,...
by BillyG
Mon Sep 08, 2014 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Sump Pumps
Replies: 11
Views: 864

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: 29
Views: 3007

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: 3078

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: 3078

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: 3078
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