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Re: $32k Subaru Outback or $14k Mitsubishi Outlander Sport

Subaru is not without its issues. http://www.subaruoutback.org/forums/104-gen-4-2010-2014/97018-oil-consumption-2013-2-5-a.html The more time you spend researching new vehicles, the more you come to believe they all have some major issues. With Subaru it seems to be oil consumption, with Honda it s...
by Browser
Thu Jul 31, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: $32k Subaru Outback or $14k Mitsubishi Outlander Sport
Replies: 42
Views: 4335

Re: Google Voice - ring lag problem

Nvm. Seems changing the delay is not an option. It is fixed at 25 seconds before GV voicemail takes it. The other options would be to disable GV voicemail and then your destination phone would ring until it's voicemail picks up. Thanks. I believe you're right about the delay setting. I'm going to t...
by Browser
Thu Jul 31, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice - ring lag problem
Replies: 3
Views: 383

Google Voice - ring lag problem

I'm using GV with my cellphone and have an annoying problem I can't solve. GV allows just 5 rings. The caller to my GV number hears all 5 rings but I only get the last 1 or 2 rings on the receiving end with my cellphone: not enough time to answer. Wondering if anyone else using GV has had this probl...
by Browser
Thu Jul 31, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice - ring lag problem
Replies: 3
Views: 383

Re: Should retirement investors own small/value stocks at al

As a relatively new member of this forum, but not a new member to online forums in other areas, which I've actually managed, it's a bit scary jumping in and asking questions when so many others seem to be experts on these various issues. And when you ask a question, and are told that you clearly do...
by Browser
Thu Jul 31, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: Should retirement investors own small/value stocks at all?
Replies: 35
Views: 2506

Re: MOM faltering? [Momentum]

As Swensen says "Real conviction proves necessary to stick with an out of favor strategy in the face of apparently poor results and obvious public skepticism. Investors ultimately reap rewards only if they maintain positions in the face of market woes." The rub is being able to know when ...
by Browser
Thu Jul 31, 2014 6:01 am
 
Forum: Investing - Theory, News & General
Topic: MOM faltering? [Momentum]
Replies: 45
Views: 2681

Re: Stocks: losing money for 20-30 years not uncommon

Who said the loss occurred in only ONE 20-year or 30-year period? The data presented are for the worst-case scenario: the worst of these periods. I seriously doubt that there was only a single period of 20-30 years within the 112 years in which there was a loss in real terms. It is good to use accur...
by Browser
Thu Jul 31, 2014 5:42 am
 
Forum: Investing - Theory, News & General
Topic: Stocks: losing money for 20-30 years not uncommon
Replies: 43
Views: 4025

Re: Stocks: losing money for 20-30 years not uncommon

Your data doesn't support your title - losing money for 20-30 years has happened is not the same thing as uncommon. Worst-case scenarios aren't particularly helpful at figuring out what is common or likely. Seems to me if you can lose money over a 30-year period out of a 112 that qualifies as "...
by Browser
Wed Jul 30, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Stocks: losing money for 20-30 years not uncommon
Replies: 43
Views: 4025

Re: global diversification works in long term

Unfortunately the "long term" has been really long in recent times. For every 20-year period beginning in 1985, the compound returns from 100% U.S. large cap has beaten 50% U.S LC + 50% Foreign Developed LC. If it hadn't been for the 2% annualized gains attributable to foreign currency gai...
by Browser
Wed Jul 30, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: global diversification works in long term
Replies: 19
Views: 1302

Re: Should retirement investors own small/value stocks at al

So, if a retiree desired about 30% in stocks, 70% bonds then Larry is suggesting the whole 30% should be in SCV? This doesn't make sense to me. If I want only 30% in stocks to reduce portfolio risk why would I want to increase risk by putting the whole wad in volatile SCV stocks? What I think Larry ...
by Browser
Wed Jul 30, 2014 10:25 am
 
Forum: Investing - Theory, News & General
Topic: Should retirement investors own small/value stocks at all?
Replies: 35
Views: 2506

Stocks: losing money for 20-30 years not uncommon

Stockbug Alert! July 29th, 2014 by Meb Faber This is a great chart from Patrick O’Shaughnessy on worst case returns for stocks. As you can see, the US had pretty good returns for the past 112 years, but even then there was a 20 year period where you still lost money. In fact, MOST countries had a 30...
by Browser
Tue Jul 29, 2014 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: losing money for 20-30 years not uncommon
Replies: 43
Views: 4025

Should retirement investors own small/value stocks at all?

I've taken the liberty of quoting Bill Bernstein's comments regarding small and value equities below: The value premium, for example, is quite fickle. Since 1926, it has yielded negative returns for as long as 15 years. The small premium is even worse, yielding negative returns for as long as 30 yea...
by Browser
Tue Jul 29, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: Should retirement investors own small/value stocks at all?
Replies: 35
Views: 2506

Re: Bonds beat stocks over the last 15 years

My extensive research has shown that when stocks outperform bonds, it is because there is positive "equity twinkle dust". Sometimes the twinkle dust does not show up, in which case bonds outperform stocks. I figure that one imaginary ex post explanation is as good as any other.
by Browser
Mon Jul 28, 2014 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Bonds beat stocks over the last 15 years
Replies: 93
Views: 7754

Re: Treasury Direct--just blowing off steam

Asking for respect from the gummit may be misguided?
by Browser
Sat Jul 26, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4101

Re: Treasury Direct--just blowing off steam

Fortunately, I only have I-Bonds in my TD account that I plan to cash out when I'm over 90 and need the money. By then, it will surely be impossible to log in and access my TD account; but the good part is that I won't know the difference... :shock: :shock: :shock:
by Browser
Sat Jul 26, 2014 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4101

Re: 2015 Subaru Forester, which trim/options?

Agree with the comment that the nav is not worth having in the Forester. Cellphone connectivity also poor. These vehicles have very poor connectivity so I wouldn't bother. I hated the backup camera on the Forester as well. Too small and tucked up under a cowling so difficult to see, especially with ...
by Browser
Sat Jul 26, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: 2015 Subaru Forester, which trim/options?
Replies: 16
Views: 1648

Re: Should market valuations be completely disregarded?

Re: Need, willingness, ability to take risk. Are we saying that a market with high valuations is "riskier" than one with low valuations? Or are we considering equity risk to be "constant" in magnitude and saying that one's need, willingness,ability to assume that risk is the vari...
by Browser
Sat Jul 26, 2014 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Should market valuations be completely disregarded?
Replies: 50
Views: 3832

Re: Assisted Living Residence and Care Agreement - Questions

From the Legalzoom website: Sign the principal’s name first, not your own. This eliminates any confusion that you’re acting in your own interests or assuming any personal liability for what you’re signing. The principal is actually the one engaging in the transaction. Sign your own name after the pr...
by Browser
Wed Jul 23, 2014 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Residence and Care Agreement - Questions
Replies: 30
Views: 2924

Re: Assisted Living Residence and Care Agreement - Questions

Following up, my Mom signed the agreement today. The apartment has just been vacated, so we need to wait until it's refurbished for occupancy. She expects to move in before the end of August. The sales person offered an incentive of one month free rental (30 days) to close in July. When all was sai...
by Browser
Tue Jul 22, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Residence and Care Agreement - Questions
Replies: 30
Views: 2924

Re: Should market valuations be completely disregarded?

Few thoughts First only fools IMO ignore valuations. They matter a great deal. But it's how you use them that matters. The most important way to use them is not for timing, but to estimate future returns. Valuation metrics are the best, if far from perfect, metrics we have for estimating returns, e...
by Browser
Tue Jul 22, 2014 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: Should market valuations be completely disregarded?
Replies: 50
Views: 3832

Should market valuations be completely disregarded?

Stock valuations have been a much discussed topic recently, since most conventional valuation measures such as CAPE are at the high end. The boglehead consensus seems to be that valuations have no value; it is what it is, stay the course. Poo-poo to gurus such as Shiller, Grantham, Hussman, and all ...
by Browser
Tue Jul 22, 2014 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: Should market valuations be completely disregarded?
Replies: 50
Views: 3832

Re: Establishing a dementia trust

If all you want is someone to take over when needed, you don't need a trust. A power of attorney is sufficient. If you trust the agent, the power of attorney can be effective immediately, so you don't need any doctor certifications. If you want to protect against someone swindling you, you can crea...
by Browser
Tue Jul 22, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Establishing a dementia trust
Replies: 8
Views: 811

Establishing a dementia trust

I recently became aware that an older individual or couple can establish a living trust that is designed to manage their finances in the event they either wish to turn over management to the trustee as they become aged or they become incompetent. My situation is such that this might make sense for m...
by Browser
Tue Jul 22, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Establishing a dementia trust
Replies: 8
Views: 811

What about the 2015 Volvo XC60?

I've been researching SUVs for awhile and just ran across the 2015 Volvo XC60. Looks like this is refreshed or redesigned from 2014. Nice looking vehicle and the size and specs put it in the same category as 5-passenger SUVs like the 2015 Subaru Outback, Acura RDX, maybe Nissan Murano, and Lexus as ...
by Browser
Mon Jul 21, 2014 7:04 pm
 
Forum: Personal Consumer Issues
Topic: What about the 2015 Volvo XC60?
Replies: 6
Views: 771

Re: Faber: S&P 500 an Active Fund in Drag

Haven't heard the S&P called an active fund, but I have heard it referred to as a "roach motel": where good stocks go to die; they check in alive and check out dead. In the old Black Flag commercials for their “Roach Motel” product, their slogan was “the bugs check in, but they don’t c...
by Browser
Sun Jul 20, 2014 10:47 am
 
Forum: Investing - Theory, News & General
Topic: Faber: S&P 500 an Active Fund in Drag
Replies: 45
Views: 3532

Re: $32k Subaru Outback or $14k Mitsubishi Outlander Sport

My one problem with the Outback is that it's really a wagon and not a SUV. I like the higher occupant seating position in a SUV and don't know about sinking back into the masses with a lower-profile vehicle.
by Browser
Fri Jul 18, 2014 11:23 pm
 
Forum: Personal Consumer Issues
Topic: $32k Subaru Outback or $14k Mitsubishi Outlander Sport
Replies: 42
Views: 4335

Do any bogleheads hold the "Larry Portfolio?"

With all the discussion about Larry Swedroe's SCV tilt portfolio on the board, I'm curious whether anyone besides Larry actually holds this portfolio allocation and how they're feeling about it. It's a curiously un-bogle like allocation. As I understand, we're talking about a split of approximately ...
by Browser
Fri Jul 18, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Do any bogleheads hold the "Larry Portfolio?"
Replies: 18
Views: 2403

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

Now I really am surprised by the time it took me. Wonder what's going on?
by Browser
Fri Jul 18, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 13
Views: 962

Re: Driving from Rockford, il to Mesa AZ....best route.

The route down I-17 will probably be faster; although taking 87 would be shorter and probably pretty scenic, though 17 is very scenic also particularly when you pass the Sedona Red Rocks area. I've never taken 87, as my destination is the west side. Be sure to avoid arriving in Phoenix after about 3...
by Browser
Fri Jul 18, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: Driving from Rockford, il to Mesa AZ....best route.
Replies: 16
Views: 1595

Re: Driving from Rockford, il to Mesa AZ....best route.

It's pretty much a no-brainer from Rockford to Mesa, IMO. Find your way to I-88 West, which turns into I-80. Keep going until you hit I-35. Follow that South until you hit I-40. Or, you can take Hwy 54 at Wichita to avoid going through Okla City, which is 400 miles of two-lane highway through Kansas...
by Browser
Thu Jul 17, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Driving from Rockford, il to Mesa AZ....best route.
Replies: 16
Views: 1595

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

I wanted to find out if an image backup would really work in the event of a hard drive failure on my Win7 laptop. Used the Win7 image backup utility to create a boot DVD and then did the image backup to an external WD hard drive. Then I bought another hard drive for my laptop (500 GB, the original w...
by Browser
Thu Jul 17, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 13
Views: 962

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Agree with others on the Highlander based on my test drive experience. Liked it a lot. Except for the looks. GM cars are a lot more appealing to me in terms of styling. That big, dumb grille on the Highlander bugs me and I don't like the sculpted metal curves much either. But I guess you have to fol...
by Browser
Thu Jul 17, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 64
Views: 5354

Re: $32k Subaru Outback or $14k Mitsubishi Outlander Sport

Yep, test drive a bunch of cars and be patient about buying. For instance, a CPO used Lexus RX350 with all kinds of safety features and park assist, etc is within your price range. I've never liked the idea of buying a car with someone else's DNA and bodily fluids deposited everywhere, so I've alwa...
by Browser
Wed Jul 16, 2014 10:07 am
 
Forum: Personal Consumer Issues
Topic: $32k Subaru Outback or $14k Mitsubishi Outlander Sport
Replies: 42
Views: 4335

Re: Bet it ALL on Small Cap Value when you're young

Of course TSM is not the most efficient portfolio. Of course I can hold a more efficient portfolio by underweighting and overweighting various subsectors in the stock market, if I happen to know what those are going to be at any given time. That's what active managers do all the time, but we know ho...
by Browser
Wed Jul 16, 2014 10:01 am
 
Forum: Investing - Theory, News & General
Topic: Bet it ALL on Small Cap Value when you're young
Replies: 64
Views: 6220

Re: $32k Subaru Outback or $14k Mitsubishi Outlander Sport

Have you driven the 15 Outback? Supposed to have improved ride and quietness from the 14.
by Browser
Wed Jul 16, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: $32k Subaru Outback or $14k Mitsubishi Outlander Sport
Replies: 42
Views: 4335

Re: Driving from Rockford, il to Mesa AZ....best route.

Have you heard of Mapquest or Google Maps?
by Browser
Wed Jul 16, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Driving from Rockford, il to Mesa AZ....best route.
Replies: 16
Views: 1595

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Check out this comparison by Motor Trend:

http://www.motortrend.com/roadtests/suvs/1408_the_big_test_2014_three_row_crossovers/viewall.html

Winner: Dodge Durango
2nd: Highlander
3rd: Pathfinder
4th: Santa Fe
5th: Pilot
6th: Mazda CX-9
by Browser
Tue Jul 15, 2014 7:13 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 64
Views: 5354

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

What about the Nissan Pathfinder? Have you checked that one out? Has some nice specs and the ride and interior is first class in Nissan SUVs. Good mileage figures as well. Wait for the 2016 Pilot unless you're in a rush. The current gen box will be outclassed by the new Pilot, which should be equiva...
by Browser
Tue Jul 15, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 64
Views: 5354

Re: Bet it ALL on Small Cap Value when you're young

If BETA is the enemy, why not a low-beta fund or allocating to low-beta sectors: consumer durables, heathcare, and utilities?
by Browser
Tue Jul 15, 2014 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: Bet it ALL on Small Cap Value when you're young
Replies: 64
Views: 6220

Re: Oil Change due: Synthetic vs Regular Oil

Some great info here, thanx.
by Browser
Tue Jul 15, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Oil Change due: Synthetic vs Regular Oil
Replies: 33
Views: 2803

Re: Cellular Service Surcharges, Taxes, and Fees

Welcome to the club! I have no idea why CC charges those fees and taxes -- same as you pay on-contract. Mine run about 15% or more of the base monthly bill. My only guess is that they are the only AT&T MVNO that I know of that provides the same network (including partner roaming and 4G-LTE) that...
by Browser
Mon Jul 14, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Cellular Service Surcharges, Taxes, and Fees
Replies: 3
Views: 608

Re: Larry: 20 Dollar Bills and Factor Persistence

Finally, never get me to argue that a TSM portfolio isn't a perfectly reasonable one. I just don't think it's the most efficient. But that's my opinion of course As they say, a difference of opinion makes a market. Plenty of credible opinion on the other side of the argument. How it could come to p...
by Browser
Mon Jul 14, 2014 6:10 pm
 
Forum: Investing - Theory, News & General
Topic: Larry: 20 Dollar Bills and Factor Persistence
Replies: 113
Views: 9443

Re: Bet it ALL on Small Cap Value when you're young

Not so far off from what Bill Bernstein has suggested in "Ages of the Investor". However, he cautions: Are you willing to tilt it all the way towards small and value only? The value premium is fickle enough. Since 1926, it has yielded negative returns for as long as 15 years. The small pre...
by Browser
Mon Jul 14, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: Bet it ALL on Small Cap Value when you're young
Replies: 64
Views: 6220

Re: Larry: 20 Dollar Bills and Factor Persistence

Browser How about flipping it the other way, if you cannot distinguish them why would you want to have all your eggs in one factor basket (beta)? Given that the prudent strategy in the presence of uncertainty is diversification of risks why concentrate when you have no more confidence in the beta p...
by Browser
Mon Jul 14, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: Larry: 20 Dollar Bills and Factor Persistence
Replies: 113
Views: 9443

Re: Larry: 20 Dollar Bills and Factor Persistence

William Sharpe describes an exercise he performs with his students. He asks them to set up a spreadsheet based on price data with a known, actual risk premium of 5.5%. He then asks them to generate 1000 series of random returns from that distribution over 50-year periods and compute the observed ris...
by Browser
Mon Jul 14, 2014 10:20 am
 
Forum: Investing - Theory, News & General
Topic: Larry: 20 Dollar Bills and Factor Persistence
Replies: 113
Views: 9443

Re: Who else hates choosing a car?

Hadn't heard this mention of transmission problems in V-6 Hondas before. But I have heard of problems with the variable-cylinder-management (VCM) system in V-6 Hondas, in which there have been complaints of oil use, plug fouling, noise, shudder related to the on/off of cylinders. Has anyone experien...
by Browser
Mon Jul 14, 2014 9:27 am
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 75
Views: 6422

Re: Larry: 20 Dollar Bills and Factor Persistence

Larry - since value, small, or small value can underperform for years and will do so in the future, and because - as you state - there's no guarantee these premiums will persist in the future - isn't there a prospective dilemma for investors if (when) their factor-based investment allocations stay d...
by Browser
Mon Jul 14, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: Larry: 20 Dollar Bills and Factor Persistence
Replies: 113
Views: 9443

Cheapest Win7 image backup media solution?

I'm looking to do an image backup of the hard drive on a new laptop using the Win 7 backup utility. Looks like the size of the backup file will be at least 48G. That would require about 10 DVDs and a whole bunch of time, so I'm looking for another option that is cheapest. Cost for an external hard d...
by Browser
Sun Jul 13, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Cheapest Win7 image backup media solution?
Replies: 8
Views: 567

Re: Who else hates choosing a car?

Wait for the 2015 Nissan Murano. Anything but boring looking -- maybe the opposite. Due out this fall. You'll have to wait another year for the new Pilot - I thought the thing was due out this year, but the samo box. 2015 Subaru Outback is looking a little better, particularly the interior and the e...
by Browser
Sat Jul 12, 2014 10:25 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 75
Views: 6422

Re: Is Market on "Wrong Side of History"?

Our most recent data indicate the current price level of the S&P 500 is about 33% above its four year moving average price, which is exactly one standard deviation from the mean going back to 1931. We point this out to highlight two facts: 1) history suggests that stock prices could continue to...
by Browser
Fri Jul 11, 2014 10:23 am
 
Forum: Investing - Theory, News & General
Topic: Is Market on "Wrong Side of History"?
Replies: 22
Views: 2707

Re: Want international exposure? You already have it.

Interesting comparison of 100% U.S. to 50% U.S./ 50% EAFE using John Bogle's Telltale Chart method for 1972-2013. Shows clearly that diversifying with EAFE generally helped compound portfolio returns from 1972-1988 (17 years) and has generally hurt returns ever since (25 years). Corresponds to the r...
by Browser
Fri Jul 11, 2014 10:08 am
 
Forum: Investing - Theory, News & General
Topic: Want international exposure? You already have it.
Replies: 65
Views: 6377
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