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Re: CarsDirect didn't lead to dealers responding with prices

I doubt than anybody will know what the dealer's edge is when buying a new car. Playing poker against the house. About all you can do is find a price that you are "comfortable" paying and go with that.
by Browser
Thu Feb 26, 2015 9:51 pm
 
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 61
Views: 4378

Re: Subaru and Consumer Reports ratings

Woudn't touch a Subaru with a 10-foot car loan. Little too weird for me.
by Browser
Thu Feb 26, 2015 9:48 pm
 
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 77
Views: 4913

Re: Subaru and Consumer Reports ratings

No perfect car. Friend has had 2 Subarus go bad and will never buy another one. Buy a Honda CRV -- you only have to worry about the airbags blowing up and hurling scrapnel all around with those. :happy
by Browser
Thu Feb 26, 2015 11:01 am
 
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 77
Views: 4913

Re: CarsDirect didn't lead to dealers responding with prices

How can you find out the dealer holdback?
by Browser
Wed Feb 25, 2015 9:56 pm
 
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 61
Views: 4378

Re: Value investing doesn't even beat the S&P 500

It's the difference between dollar-weighted vs. time-weighted returns; aka returns that take account of cash flows vs. one lump sum at the beginning. Not much more complicated than that. Dalbar is flawed because they compare the time-weighted returns of funds to investor returns, which are dollar-we...
by Browser
Tue Feb 24, 2015 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Value investing doesn't even beat the S&P 500
Replies: 45
Views: 4228

Re: John Bogle on International Investing

The view seems to be that global investing provides better diversification, since you have a stake around the world across various foreign markets. From this view, being invested solely in the US is riskier. I think what's hidden in this argument is the notion that the US economy has grown to the po...
by Browser
Mon Feb 23, 2015 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14523

Re: Value investing doesn't even beat the S&P 500

I for one think it's a lot harder to stick to an allocation strategy when you have a bunch of different equity pieces: large cap, small cap, value, momentum low vol, quality factors, european developed, pacific developed, emerging, etc. etc. You just get too microscopic looking at all the pieces, re...
by Browser
Mon Feb 23, 2015 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: Value investing doesn't even beat the S&P 500
Replies: 45
Views: 4228

Value investing doesn't even beat the S&P 500

Study by Research Affiliates shows that most value investors don't earn the value premium -- in fact they don't even beat large cap on a time-weighted return basis. Why is that? It turns out that value investors are also market timers! Beware being a value investor unless you can stick with it like ...
by Browser
Mon Feb 23, 2015 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: Value investing doesn't even beat the S&P 500
Replies: 45
Views: 4228

Re: John Bogle on International Investing

“people feel comfortable with risk they are taking in their home country, but as they leave their home country they start to be less sure about where are the risks” ….”that creates … the distinction between risk and uncertainty, that uncertainty outside the US may be pushing investors to tilt less ...
by Browser
Sun Feb 22, 2015 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14523

Re: a study of rebalancing

Interesting idea that is mentioned at the end: let allocations drift in the first part of one's investing horizon, and start rebalancing in the later part. Consistent with the idea that younger investors should be exposed to higher equity risk and older investors to less risk. However this is somewh...
by Browser
Sun Feb 22, 2015 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: a study of rebalancing
Replies: 6
Views: 574

Re: CarsDirect didn't lead to dealers responding with prices

How about using Carbargains? http://www.checkbook.org/auto/carbarg.cfm Don't really know but this might work by Carbargains contacting dealers for bids when the buyer has paid them $250 fee, which assures the dealerships that there is a serious buyer on the other end and not someone on a fishing ex...
by Browser
Sun Feb 22, 2015 12:06 pm
 
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 61
Views: 4378

Re: UGA: Locking in the Current Price of Gasoline

I know a guy who locked in the price of gas back in the 1970s by digging a hole in his backyard to put in a commercial sized gas storage tank and filling it up. Enough to last for a few years he thought. You might try that.
by Browser
Sun Feb 22, 2015 10:54 am
 
Forum: Investing - Theory, News & General
Topic: UGA: Locking in the Current Price of Gasoline
Replies: 15
Views: 1237

Re: UGA: Locking in the Current Price of Gasoline

Wouldn't track exactly, but how about an energy fund like VGENX? If price of gas goes up that would reflect the price of oil going up and generally should be offset somewhat by energy stock prices. Not a perfect hedge by any means but should help and much easier and cheaper to do. You're talking abo...
by Browser
Fri Feb 20, 2015 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: UGA: Locking in the Current Price of Gasoline
Replies: 15
Views: 1237

Re: John Bogle on International Investing

There's only one reason, and one reason only, I'd invest in foreign stocks right now. The valuations of US stocks are pretty high, while the valuations of foreign developed and emerging are much lower. Bogle states that the reason foreign stock valuations are lower right now is because the risks are...
by Browser
Fri Feb 20, 2015 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14523

Re: Grand Canyon

Having been to North and South Rims, hiked in several times. South Rim will not be too crowded in March -- it starts packing up in May and then through the summer and fall months. It can be cool and will probably be cold in mornings, evenings and overnight. First time we hiked down we took the Kaiba...
by Browser
Fri Feb 20, 2015 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 32
Views: 1887

Re: Rolling over a 403(b) to an IRA questions

I'm thinking there are no fees on the 3% fixed account. But that doesn't seem possible. I will have to check on that. Thanks to both of you for all your thoughts on this. There are no fees on TIAA's fixed account. You ought to be able to check to see what interest you got over the last year, but yo...
by Browser
Thu Feb 19, 2015 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rolling over a 403(b) to an IRA questions
Replies: 25
Views: 983

Re: CarsDirect didn't lead to dealers responding with prices

How about using Carbargains? http://www.checkbook.org/auto/carbarg.cfm Don't really know but this might work by Carbargains contacting dealers for bids when the buyer has paid them $250 fee, which assures the dealerships that there is a serious buyer on the other end and not someone on a fishing exp...
by Browser
Thu Feb 19, 2015 7:35 pm
 
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 61
Views: 4378

Re: Do Not Use Lenovo Computers to Shop or Access Finance Si

Since when did BH turn into buzz feed? The title of this thread is alarmist and inaccurate, clickbaity. I agree......But also learnt a new word "clickbaity" - which is visually so complete in its description! :D Slightly alarmist? Maybe. But this is an absolutely legitimate problem. Lenov...
by Browser
Thu Feb 19, 2015 7:14 pm
 
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 4635

Re: Risk of Rebalancing

One point he's making is that you have a greater drawdown risk if you rebalance, since you'll be feeding the bear by progressively rebalancing into stocks as they lose value. That might be theoretically true for the special case where you are comparing a rebalanced to a non-rebalanced portfolio havi...
by Browser
Thu Feb 19, 2015 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: Risk of Rebalancing
Replies: 63
Views: 3675

Re: John Bogle on International Investing

You make it sound like Bogle and Buffett are frozen in time, incapable of seeing how 'enlightened' it is to be a global investor. Bull.
by Browser
Thu Feb 19, 2015 4:54 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14523

Re: Rolling over a 403(b) to an IRA questions

Am I allowed to transfer just the stock portion from VALIC to Vanguard and leave the fixed income portion in VALIC? Far as I know, you can transfer any portion to an IRA and not just the whole thing and do multiple transfers at your discretion. You would need to check with the plan sponsor to be su...
by Browser
Thu Feb 19, 2015 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rolling over a 403(b) to an IRA questions
Replies: 25
Views: 983

Re: CarsDirect didn't lead to dealers responding with prices

This thread has me thinking that online car shopping is becoming about the same thing as going in person to the dealer. Just another way to shake down the customer with no real advantage. All the advice, threads, etc. about how to shop online, play the dealers off against one another, etc. may be ou...
by Browser
Thu Feb 19, 2015 3:27 pm
 
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 61
Views: 4378

Re: Rolling over a 403(b) to an IRA questions

Are you sure you want to roll over the amounts in the fixed account with guaranteed 3%? How are you going to invest the money if it is moved to an IRA? You won't have a 3% fixed guaranteed in the IRA. You only have bond and stock roulette options there. Since I wanted a good chunk of my retirement m...
by Browser
Thu Feb 19, 2015 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rolling over a 403(b) to an IRA questions
Replies: 25
Views: 983

Re: Do Not Use Lenovo Computers to Shop or Access Finance Si

Lifehacker just posted a good article about this bug as well here - http://lifehacker.com/how-to-test-your-pc-for-the-new-superfish-security-vu-1686788663 Able to intercept SSL certs which then leads to man-in-the-middle attacks. To think this should be a company most people should be able to trust...
by Browser
Thu Feb 19, 2015 1:56 pm
 
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 4635

Re: Do Not Use Lenovo Computers to Shop or Access Finance Si

To find out if you’re affected, locate Windows’ list of trusted certificates by opening up the Control Panel and searching for “certificates”. This will bring up Administrative Tools and a “manage computer certificates” option. Click on the “Trusted Root Certification Authorities” option and then “...
by Browser
Thu Feb 19, 2015 1:33 pm
 
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 4635

Re: A case for long term government bonds

What's wrong with owning some 10-year treasuries as part of a diversified portfolio?
by Browser
Thu Feb 19, 2015 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: A case for long term government bonds
Replies: 40
Views: 3055

Re: John Bogle on International Investing

What's the saying about when experts don't agree... it likely matters little. Let's just be clear here, expert(s) don't disagree. Bogle disagrees. Find me others. Bernstein, Swedroe, Ferri, or even the long lost Troutner? And in terms of Bogle, I'm not sure what would necessarily qualify him as an ...
by Browser
Thu Feb 19, 2015 10:03 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14523

Re: John Bogle on International Investing

Yes. Adding foreign stocks might have reduced volatility. It also reduced returns. The risk-adjusted returns of an internationally diversified portfolio were lower than for a non-diversified portfolio. In any event, as Bogle remarked the differences are mainly of academic interest, not practical int...
by Browser
Wed Feb 18, 2015 11:13 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14523

Re: A Special Message From Social Security

Does anyone EVER click on a link in an email? If you do, you're an idiot or have been living in a cave for the last 5 years. NEVER DO THAT!
by Browser
Wed Feb 18, 2015 11:06 am
 
Forum: Personal Consumer Issues
Topic: A Special Message From Social Security
Replies: 68
Views: 6145

Re: A Special Message From Social Security--NOT!

I got it too. GMail identified it as spam. I never open emails that are in the spam folder -- you know why? Because they are SPAM! or worse.
by Browser
Tue Feb 17, 2015 9:07 pm
 
Forum: Personal Consumer Issues
Topic: A Special Message From Social Security
Replies: 68
Views: 6145

Re: John Bogle on International Investing

From the Morningstar article: Since equity markets hit bottom during the credit crisis in March 2009, the S&P 500 has gained an annualized 22.5% through January versus 14.9% for the ACWI. The gap has been especially pronounced during the past three years, with the S&P 500 gaining 17.5% annua...
by Browser
Tue Feb 17, 2015 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14523

Re: John Bogle on International Investing

As much as we Bogleheads like to think we are more rational than the average investor, I think threads like this are proof that even we fall victim to recency bias. The only reason the topic of international vs. domestic has come up so often lately is because US markets have done so well relative t...
by Browser
Tue Feb 17, 2015 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14523

Re: Bond investors...is there a crash on the horizon..!!

From 1982 until now, a period of over 30 years, interest rates on the 10 year treasury dropped from over 15% to about 2%. But in the 30 years preceding that period, the rate rose from 2% to over 15%. What goes down can go up, and vice versa. Sometimes, it's not so much a "pop" as it is a l...
by Browser
Tue Feb 17, 2015 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond investors...is there a crash on the horizon..!!
Replies: 43
Views: 3081

Re: New Lexus NX Not an Economy Bargain

I know people complain about the look. That is strictly because it is new. In 6 months after you have seen a dozen of them driving around, they will not be shocking. +1 I remember when the first Nissan Murano came out...I thought to myself "Who would buy THAT?". Now I would (although I'm ...
by Browser
Tue Feb 17, 2015 11:56 am
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3010

Re: New Lexus NX Not an Economy Bargain

I guess that's a joke and I'm not taking it 100% seriously, but obviously the second car would depreciate to half or so of its initial value in relatively few years, the same money retained in bank account would only depreciate moderately (assuming low inflation). So you'd have to count that ($1,00...
by Browser
Tue Feb 17, 2015 11:53 am
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3010

Re: Bond investors...is there a crash on the horizon..!!

More to the point are losses in real dollars, not nominal dollars. If interest rates rise as a consequence of rising inflation, things don't look quite so benign. For example, in the 9-year period 1973-1981, intermediate treasuries lost 27% in purchasing power, while the long treasury lost 45%. Reme...
by Browser
Tue Feb 17, 2015 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond investors...is there a crash on the horizon..!!
Replies: 43
Views: 3081

Re: Bond investors...is there a crash on the horizon..!!

Warnings about the housing bubble to a few years to materialize, too . . . I got a newsletter in 1997 or 1998 talking about the impending real estate collapse when I could buy houses for 50% off. Guy was totally right. He forgot to mention though that houses would more than double before that happe...
by Browser
Tue Feb 17, 2015 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond investors...is there a crash on the horizon..!!
Replies: 43
Views: 3081

Re: Hard drive firmware malware

I tried out a Chromebook thinking it would be more secure. But just too difficult to use for the stuff I usually do, so I returned it. Basically a tablet with a keyboard, not quite a real computer. Hey, maybe a tablet would resist firmware malware?
by Browser
Tue Feb 17, 2015 10:36 am
 
Forum: Personal Consumer Issues
Topic: Hard drive firmware malware
Replies: 9
Views: 707

Re: Hard drive firmware malware

Would any solid state hard drive offer protection - not just Chromebook?
by Browser
Tue Feb 17, 2015 10:26 am
 
Forum: Personal Consumer Issues
Topic: Hard drive firmware malware
Replies: 9
Views: 707

Re: Bond investors...is there a crash on the horizon..!!

Just a reminder that betting on extremely bad and unusual outcomes is very rarely a winning strategy.

~ Monevator
by Browser
Tue Feb 17, 2015 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond investors...is there a crash on the horizon..!!
Replies: 43
Views: 3081

Re: Bond investors...is there a crash on the horizon..!!

Here is what is going to happen... Whoops! Dang! I dropped my crystal ball! Oh, man...................
by Browser
Tue Feb 17, 2015 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond investors...is there a crash on the horizon..!!
Replies: 43
Views: 3081

Re: New Lexus NX Not an Economy Bargain

So, if running premium in your luxo-mobile costs $200 per year more than regular, you'd have to invest $20,000 at 1% interest (if you could get that much anywhere) to earn that $200 in annual interest. If you are in the 25% bracket, you'd have to invest $27,000 @ 1% to earn that $200 after-tax. So, ...
by Browser
Mon Feb 16, 2015 10:56 pm
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3010

Re: New Lexus NX Not an Economy Bargain

I think you expect to trim performance switching to lower octane, but it is in the range that you cannot feel it. Usually, the car will adjust and should be fine with either regular or premium. But if it starts to knock when switching to regular, then you want to switch it back to premium. It's per...
by Browser
Mon Feb 16, 2015 9:42 pm
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3010

Re: New Lexus NX Not an Economy Bargain

Guess I wasn't the only one who thinks so:
Lexus LF-NX Concept: Automotive origami

Image

http://www.bbc.com/autos/story/20130904-the-origami-lexus
by Browser
Mon Feb 16, 2015 9:11 pm
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3010

Re: New Lexus NX Not an Economy Bargain

I think you expect to trim performance switching to lower octane, but it is in the range that you cannot feel it. Usually, the car will adjust and should be fine with either regular or premium. But if it starts to knock when switching to regular, then you want to switch it back to premium. It's per...
by Browser
Mon Feb 16, 2015 8:54 pm
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3010

Re: New Lexus NX Not an Economy Bargain

Pinotage wrote:
Browser wrote:So, are you saying you actually like the way this thing looks?


You betcha. Different strokes/different folks.

It looks like an origami project to me.
by Browser
Sun Feb 15, 2015 11:32 pm
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3010

Does Google Voice still work with Obi?

Last May I signed up with PhonePower on my Obi because Google Voice was going away. PhonePower has been fine and costs $40 per year, but I thought I heard that Google Voice was still working OK with the Obi. Like to find out, so that if it does I can reactivate my GV setup on the Obi before my year ...
by Browser
Sun Feb 15, 2015 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Does Google Voice still work with Obi?
Replies: 4
Views: 518

Re: New Lexus NX Not an Economy Bargain

So, are you saying you actually like the way this thing looks? The kind of fuel you have to use in it would be the least of your problems. A bigger problem would be explaining to friends and family why you couldn't do any better with the $40K you spent. http://www.dallasnews.com/business/columnists/...
by Browser
Sun Feb 15, 2015 6:21 pm
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3010

Re: New Lexus NX Not an Economy Bargain

Put regular grade in it and don't tell anyone.
by Browser
Sun Feb 15, 2015 4:50 pm
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3010

Re: Does anyone like the new Toyota/Lexus grilles?

Spotted: could this be the new Toyota concept car?

Image
by Browser
Sun Feb 15, 2015 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 57
Views: 3211
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