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Re: Want to buy a used Mini Cooper-> Talk me into it?

I must say that the comments on this thread make me glad I don't own a mini. Very cute car but that's about it from what I can see.
by Browser
Thu Aug 21, 2014 10:20 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy a used Mini Cooper-> Talk me into it?
Replies: 23
Views: 1349

Re: Good interview with John Bogle

Rather interesting to hear Jack say that he reduced his stock allocation from 80% to 25% in 2000 due to valuations. I guess there are some occasions when staying the course isn't so bright. :idea: Yes, I got a funny feeling when he first said it, but it was in the context of his life situation. He ...
by Browser
Thu Aug 21, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Good interview with John Bogle
Replies: 20
Views: 1549

Re: Subaru Blues

Reviews are one thing, but personal experience tends to weigh heavily even if it is a sample size of 1. Unfortunately, my personal experience so far is the two-strike outcome for this acquaintance with Subarus and I don't think reading a bunch of reviews will easily trump that in my mind. If I knew ...
by Browser
Thu Aug 21, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 56
Views: 3495

Re: 2015 Volvo XC-60 vs. Acura RDX

My brother has an RDX, and on driving it numerous times, I can't help but feel it's just a slightly nicer CRV. It's nice, but pretty plain too. It is definitely smooth and quiet, although Honda /Acura rides harsher than I like if you don't have smooth roads everywhere. It's reliable, but for the pr...
by Browser
Thu Aug 21, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Volvo XC-60 vs. Acura RDX
Replies: 13
Views: 597

Re: Good interview with John Bogle

Rather interesting to hear Jack say that he reduced his stock allocation from 80% to 25% in 2000 due to valuations. I guess there are some occasions when staying the course isn't so bright. :idea:
by Browser
Thu Aug 21, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Good interview with John Bogle
Replies: 20
Views: 1549

Re: Bridgeway Omni SCV (BOTSX) vs PXSV

RZV has similar size and value loads, but also has two problems that make it a no-go, in my opinion. 1) Only 150 holdings. 2) Really bad negative momentum. I mean really bad. Look at how it performed in 2008. It's the last small value fund I would consider owning. Do others agree with this assessme...
by Browser
Thu Aug 21, 2014 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: Bridgeway Omni SCV (BOTSX) vs PXSV
Replies: 15
Views: 1049

2015 Volvo XC-60 vs. Acura RDX

Narrowed it down to these two 5-seat SUVs, both cost approximately the same similarly configured. Does anyone own either and have some pros and cons to consider in deciding which to purchase? I'm particularly interested in ride, quietness, reliability, maintenance and operating costs. I tend to own ...
by Browser
Thu Aug 21, 2014 9:37 am
 
Forum: Personal Consumer Issues
Topic: 2015 Volvo XC-60 vs. Acura RDX
Replies: 13
Views: 597

Re: Subaru Blues

Thing is, this Subaru owner apparently has rolled craps twice in a row with Subarus. The last one she owned was a bummer, but for some reason she thought that was a fluke and is getting stung again. Now, I'll bet her Subaru days are now over. Living vicariously through her experience, mine may be ov...
by Browser
Thu Aug 21, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 56
Views: 3495

Re: Unlimited cell plans dropping in price?

I pay $50 for verizon for unlimited talk, text and 1gig data. Plus I get a big subsidy on my phone I don't get why so many people are anti contract. It's not like I'm not going to use a cell phone within the next 2 years so I'll gladly take $450 off of next iphone when it comes out There are 2 opti...
by Browser
Thu Aug 21, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 2974

Re: Kitces - Think Twice about those Conversions

Another factor that may be relevant is whether you anticipate any large lump sum withdrawals in the future that might kick you into a higher marginal rate; e.g., paying cash for a new car, mortgage down-payment, trips, etc. Money stored in a Roth can be useful for such lump sum expenses since distri...
by Browser
Thu Aug 21, 2014 9:00 am
 
Forum: Investing - Theory, News & General
Topic: Kitces - Think Twice about those Conversions
Replies: 6
Views: 1350

Re: Bridgeway Omni SCV (BOTSX) vs PXSV

How does RZV stack up with BOTSX and PXSV? Larry often mentions this one.
by Browser
Wed Aug 20, 2014 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Bridgeway Omni SCV (BOTSX) vs PXSV
Replies: 15
Views: 1049

Re: Want to buy a used Mini Cooper-> Talk me into it?

MINI's reliability (especially non-S) is not poor. It is not as good as honda/toyota, but it is not as bad as a Triumph either.. Can't say I agree. Looking at Consumer Reports, the Mini Cooper and Mini Cooper S have worst and next-to-worst overall reliability ratings as far as the eye can see (from...
by Browser
Wed Aug 20, 2014 8:17 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy a used Mini Cooper-> Talk me into it?
Replies: 23
Views: 1349

Re: Unlimited cell plans dropping in price?

What's wrong with a contract? Well for one thing you're locked into your rate watching while the rates are dropping on no-contract plans. I'm a free-range user - show me a lower rate and I'll drop my current plan in a heartbeat and move on.
by Browser
Wed Aug 20, 2014 8:04 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 2974

Re: POLL: Age for Collecting Social Security Benefits

To a very close approximation, nobody applies later than age 66. Ergo, most Bogleheads are nobodies. http://fas.org/sgp/crs/misc/R41962.pdf John Interesting data. Hopefully, that 44% who apply at age 62 are heavy smokers, so that more will be left in the "Trust Fund" for the 2% of us who ...
by Browser
Wed Aug 20, 2014 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 63
Views: 3606

Subaru Blues

Been contemplating the purchase of a new vehicle and considering the Subarus. Just learned of an acquaintance who owns one that is 2 years old with 19K miles (sedan, not sure which model). Seems that while driving, the dash status lights all lit up and began flashing and the steering went fuzzy. She...
by Browser
Wed Aug 20, 2014 7:53 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 56
Views: 3495

Re: Want to buy a used Mini Cooper-> Talk me into it?

I thought the reliability ratings for the Cooper were pretty poor. I like the looks of it too, but wouldn't touch a vehicle with poor reliability. Setting aside the whole thing about how safe these dink-mobiles are, which may or may not be a concern.
by Browser
Wed Aug 20, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy a used Mini Cooper-> Talk me into it?
Replies: 23
Views: 1349

Re: Power of Attorney

And of course the really durable "Power of Attorney" is a living revocable trust. That instrument was invented to solve the problem that powers of attorney don't survive the grantor. Why is that a problem? It's a problem because once the grantor of the power of attorney dies, you have to ...
by Browser
Wed Aug 20, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney
Replies: 27
Views: 1555

Re: POLL: Age for Collecting Social Security Benefits

Started to draw at age 63 1/2 when I retired. As a result of an epic thread by Bob U. I realized I was nuts to do that, so suspended benefits at my FRA to restart delayed retirement credits. In my opinion, unless you're pretty sure you won't be alive very long or you are dead broke and don't have a ...
by Browser
Wed Aug 20, 2014 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 63
Views: 3606

Re: What assets are protected from state court proceedings?

The list is not helpful for OP; he is looking for protection when there is a judgement from the state. There are different rules for private parties, and it looks like the site is describing the rules for the latter Not sure that's true, at least for Arizona. I clicked on the linked state statute g...
by Browser
Wed Aug 20, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 18
Views: 1206

Re: Unlimited cell plans dropping in price?

Matter of fact, I just checked AT&T's no-contract pricing. $50/month for unlimited talk/text plus 1GB data. That matches Consumer Celluar's pricing for 1200 Min talk/ 5000 texts with 1GB. If 300MB is enough, it's $45/month with AT&T and $40 with Consumer Cellular. The advantage to going with...
by Browser
Wed Aug 20, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 2974

Re: John Hussman, smart guy, should you listen to his foreca

But you can bet that when and if the market tanks, he will finally be vindicated. What, like a broken clock is vindicated twice a day? He'll be vindicated if when the market tanks his strategy has out performed a passive strategy. Obviously with his position his fund will do well in the short term ...
by Browser
Wed Aug 20, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: John Hussman, smart guy, should you listen to his forecasts
Replies: 19
Views: 2020

Re: Power of Attorney

technovelist wrote:And of course the really durable "Power of Attorney" is a living revocable trust. That instrument was invented to solve the problem that powers of attorney don't survive the grantor.

Why is that a problem?
by Browser
Wed Aug 20, 2014 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney
Replies: 27
Views: 1555

Re: Will you have to pay your parent's long term care costs?

If your parents did not transfer wealth to you and then later qualify for medicaid, then this is unlikely to be a reason for concern or even interest. This is about people giving their kids money and then 5 years later asking all of society to pay for their care. That's certainly not true in my cas...
by Browser
Wed Aug 20, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 54
Views: 3006

Re: John Hussman, smart guy, should you listen to his foreca

Hussman repeatedly states that his models are designed to work over a full market cycle ; i.e, after the up and down portions have played out. Obviously, we're still in the up portion of the current market cycle he's been forecasting. He may end up being correct that eventually at some point in the ...
by Browser
Wed Aug 20, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: John Hussman, smart guy, should you listen to his forecasts
Replies: 19
Views: 2020

Re: Will you have to pay your parent's long term care costs?

The concern for me on this are my indigent in-laws who have nothing because they are among the most irresponsible people I know. I couldn't possible force them to do something responsible like save money, stop smoking or buy insurance, but my wife and I could be on the hook for their long-term care...
by Browser
Wed Aug 20, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 54
Views: 3006

Re: Will you have to pay your parent's long term care costs?

The concern for me on this are my indigent in-laws who have nothing because they are among the most irresponsible people I know. I couldn't possible force them to do something responsible like save money, stop smoking or buy insurance, but my wife and I could be on the hook for their long-term care...
by Browser
Wed Aug 20, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 54
Views: 3006

Re: John Hussman, smart guy, should you listen to his foreca

I don't have any knock against Hussman at all. In fact, I think he is one of very few credible commentators out there who actually know something. He's probably even right about the market being screamingly overvalued because of all the bogus financial engineering that's been going on since 2009. An...
by Browser
Wed Aug 20, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: John Hussman, smart guy, should you listen to his forecasts
Replies: 19
Views: 2020

What assets are protected from state court proceedings?

If the state wins a monetary judgment against you, what assets are protected from that judgment? I'm particularly interested in the protection of retirement accounts such as IRAs and 403(b) when you are of an age to be taking at least the required income withdrawals, and also personal property such ...
by Browser
Wed Aug 20, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 18
Views: 1206

Re: Will you have to pay your parent's long term care costs?

Perhaps this deserves a separate thread, but I did a quick search to find out about creditor protection for retirement accounts. It would seem that your 401(k) assets might enjoy better protection than your IRA assets, according to this article: http://online.wsj.com/news/articles/SB1241818012394019...
by Browser
Wed Aug 20, 2014 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 54
Views: 3006

Re: Will you have to pay your parent's long term care costs?

One thing that isn't clear to me from the article is whether the filial responsibility law that applies is in the state where the parent in long-term care is domiciled, or where the child is domiciled? I would assume it is the state where the parent is domiciled; so they can reach out and sue you e...
by Browser
Wed Aug 20, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 54
Views: 3006

Re: Will you have to pay your parent's long term care costs?

Those who resist LTCi and annuities in the interests of leaving a legacy to their children should be sure they know how their children feel about this. I suspect some children are more concerned about the possibility of having to support their parents during their lives than they are about inheriti...
by Browser
Wed Aug 20, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 54
Views: 3006

Re: Will you have to pay your parent's long term care costs?

Another relevant question is whether your assets held in retirement accounts are protected from a filial responsibility lawsuit brought by the state? Most of my financial assets are held in IRA accounts. Even if this is the case, I'm assuming assets held outside these would be vulnerable, such as yo...
by Browser
Wed Aug 20, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 54
Views: 3006

Re: Unlimited cell plans dropping in price?

If 1200 minutes talk and 5000 texts is enough, you can also get Consumer Cellular with 1GB data for $50/month. They are on AT&T's postpaid 4G-LTE network with partner roaming, which is the same coverage you'd get with AT&T. Much better option than Sprint, IMO.
by Browser
Wed Aug 20, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 2974

Re: Will you have to pay your parent's long term care costs?

One thing that isn't clear to me from the article is whether the filial responsibility law that applies is in the state where the parent in long-term care is domiciled, or where the child is domiciled? I would assume it is the state where the parent is domiciled; so they can reach out and sue you ev...
by Browser
Wed Aug 20, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 54
Views: 3006

Re: Unlimited cell plans dropping in price?

How much data? On Sprint's website I saw pricing of $55/month for unlimited talk/text and 1GB with 2-year contract. I can do better than that for the same plan with several MVNOs such as PagePlus (verizon) for $40, H2O Wireless (AT&T) for $40. Why would I need a contract with sucky Sprint?
by Browser
Wed Aug 20, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 2974

Will you have to pay your parent's long term care costs?

This is some surprising news. You might need to consider buying LTCi for your parents too! Either that or move to another state (another reason to retire to Arizona or Florida?) Under a little-known law that has been enacted in 30 states to date, you can be held financially responsible for your pare...
by Browser
Wed Aug 20, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 54
Views: 3006

Re: John Hussman, smart guy, should you listen to his foreca

Just read an article about using moving averages that reminds me of the results of using Hussman to time equity investments. True for both is that they are mostly successful helping you to avoid protracted bear market drawdowns; but also true for both is that they keep you out of the market too ofte...
by Browser
Wed Aug 20, 2014 10:35 am
 
Forum: Investing - Theory, News & General
Topic: John Hussman, smart guy, should you listen to his forecasts
Replies: 19
Views: 2020

Re: John Hussman, smart guy, should you listen to his foreca

A very thought-provoking article. Hussman's analyses are so sophisticated and compelling, it is very difficult to make the case he should be ignored - yet the evidence is clear. Nobody can forecast markets except through dumb luck, and investors must invest accordingly.
by Browser
Wed Aug 20, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: John Hussman, smart guy, should you listen to his forecasts
Replies: 19
Views: 2020

Re: Vanguard Lost My Account

One thing these guys could do that they're not doing either is to provide email and/or cellphone text alerts every time there is a transaction on your account, particularly a withdrawal. Allows you to catch fraudulent or other unexpected activity on your accounts right away. All my bank and credit ...
by Browser
Tue Aug 19, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10018

Re: Vanguard Lost My Account

One thing these guys could do that they're not doing either is to provide email and/or cellphone text alerts every time there is a transaction on your account, particularly a withdrawal. Allows you to catch fraudulent or other unexpected activity on your accounts right away. All my bank and credit ...
by Browser
Tue Aug 19, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10018

Re: Vanguard Lost My Account

One thing these guys could do that they're not doing either is to provide email and/or cellphone text alerts every time there is a transaction on your account, particularly a withdrawal. Allows you to catch fraudulent or other unexpected activity on your accounts right away. All my bank and credit c...
by Browser
Tue Aug 19, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10018

Re: Why no transaction alerts from Vanguard/others?

I am not receiving any email alerts either. For example, just this morning I changed my password. I have not received any notice of this change. The only place I see on the Vanguard site to select email preferences is the "Customize your mail delivery preferences" page, and this only appl...
by Browser
Tue Aug 19, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why no transaction alerts from Vanguard/others?
Replies: 16
Views: 1215

Goldman-Sachs: bonds to 4%, 6% stock returns

Goldman-Sachs predicts that stocks will be the place to be vs. bonds for the next few years as interest rates rise: “We forecast a dramatic divergence between stock and bond returns during the next several years,” a Goldman team led by stock strategist David Kostin wrote to clients this week. Goldma...
by Browser
Tue Aug 19, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Goldman-Sachs: bonds to 4%, 6% stock returns
Replies: 12
Views: 1399

Re: Why no transaction alerts from Vanguard/others?

Did you have to set up the alert emails for your Vanguard accounts? I have never gotten any.
by Browser
Tue Aug 19, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Why no transaction alerts from Vanguard/others?
Replies: 16
Views: 1215

Why no transaction alerts from Vanguard/others?

I have recently been setting up email and cellphone alerts for my bank and credit card accounts. Every time there is a deposit or debit I get an immediate alert, which allows me to keep close tabs on any fraudulent activity. Why is it that Vanguard and other financial organizations don't seem to off...
by Browser
Mon Aug 18, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why no transaction alerts from Vanguard/others?
Replies: 16
Views: 1215

Re: Shiller on Lofty Market Elevations

Say, I'm wondering whether in previous instances where PE/10 was high, as it is now, were the expected returns on other assets such as bonds also low, as they are now (low current rates)? Do these things tend to move in tandem, so that there's no place to hide? Or were there good places to hide when...
by Browser
Mon Aug 18, 2014 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller on Lofty Market Elevations
Replies: 55
Views: 4777

Shiller: "U.S. stocks are very expensive"

“The United States stock market looks very expensive right now.” And with that, Yale professor Robert Shiller is at it again, telling us to worry. Shiller says the CAPE was never intended to indicate timing on when to buy and sell, and that the market could remain at these valuations for years. But...
by Browser
Mon Aug 18, 2014 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller: "U.S. stocks are very expensive"
Replies: 4
Views: 933

Re: WSJ: Is Your Portfolio Too Diversified?

If you don't care about drawdowns, the simple portfolio of 100% TSM did even better over the last 20 years, but it lost 37% in 2008. The 70/30 portfolio lost 24%. The idea of diversification is to minimize such massacres so that you're able to "stay the course". It's the volatility , stupid.
by Browser
Sun Aug 17, 2014 11:24 am
 
Forum: Investing - Theory, News & General
Topic: WSJ: Is Your Portfolio Too Diversified?
Replies: 23
Views: 3062

Re: Power of Attorney

In my view, it's essential to have durable POA for an aging parent if they'll allow it. Have had that for my mother (now aged 97) for many years and it's been invaluable handling her financial affairs.
by Browser
Sun Aug 17, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney
Replies: 27
Views: 1555

Re: Vanguard Lost My Account

I searched high and low for some "evidence" that the missing Roth account had existed and finally started going through a huge pile of papers I had accumulated for shredding. Like most people, I accumulate this stuff for months before finally shredding and I eventually found some scrap th...
by Browser
Sun Aug 17, 2014 9:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10018
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