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by Random Musings
Wed Jul 22, 2015 3:00 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 887
Views: 159143

Re: What Book Are You Currently Reading? Part VI

Personal Memoirs of Ulysses S. Grant

Hiking Shenandoah National Park - Falcon Guide

RM
by Random Musings
Thu May 14, 2015 3:07 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 10619

Re: I Hate Vacations

I only have so many years on this little blue planet. Might as well check it out. So I do. Plus, when I get older and can't do what I do now, the experiences I'll remember during my travels will far outweight thinking about the tangible goods I have owed. Can't take it to my grave, anyway. RM For m...
by Random Musings
Wed May 13, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Wisconsin vacation ideas
Replies: 34
Views: 2624

Re: Wisconsin vacation ideas

Being an outdoors vacation type - Apostle Islands and Isle Royale National Park, the latter if you like to backpack (although considered park of Michigan). However, you'll have to drive to the UP of Michigan for the boat ride that takes you to Rock Harbor on the island.

RM
by Random Musings
Wed May 13, 2015 12:21 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 10619

Re: I Hate Vacations

I only have so many years on this little blue planet. Might as well check it out. So I do. Plus, when I get older and can't do what I do now, the experiences I'll remember during my travels will far outweight thinking about the tangible goods I have owed. Can't take it to my grave, anyway. RM
by Random Musings
Sat May 09, 2015 9:35 pm
Forum: Investing - Theory, News & General
Topic: Cambridge Index Strategy
Replies: 12
Views: 1202

Re: Cambridge Index Strategy

I'd prefer they would just pick the big winners and avoid the rest. No need for tax loss harvesting and less paperwork. Seems like a far more efficient strategy.

RM
by Random Musings
Sat May 09, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: Vacation Ideas out west
Replies: 42
Views: 3494

Re: Vacation Ideas out west

could not open the map link, so not sure how long the trip is. With respect to National Parks, I like to spend multiple days at most, typically a minimum of four. IMHO, parks like Mesa Verde, Carlsbad Caverns, Petrified Forest and Bryce can be one day visits; otherwise, there are just too many areas...
by Random Musings
Wed May 06, 2015 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 6412

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

Seven states have no state income tax: Alaska, Florida, Nevada, South Dakota, Texas, Washington and Wyoming. Two others, New Hampshire and Tennessee, tax only dividend and interest income. I would believe, it that is your one criteria, unless family is involved, that there are other options. Now you...
by Random Musings
Wed May 06, 2015 11:13 am
Forum: Personal Consumer Issues
Topic: Florida Vacation
Replies: 28
Views: 1948

Re: Florida Vacation

Agree with texasdiver, too many destinations, no wonder you need to rest up at work. I'd limit it to Siesta Key and Disney. Spent a long weekend in Siesta Key last November. Great beaches and was fairly quiet then. Lots of condos there, I'd try for something on or close to the beach with kids. Went...
by Random Musings
Wed May 06, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: Florida Vacation
Replies: 28
Views: 1948

Re: Florida Vacation

PoppyA wrote:Don't forget Lego Land is between Siesta Key and Disney. I hear it has more than just Lego stuff.


Thanks, that might be a good contigency if the weather is not cooperating at Siesta Key.

RM
by Random Musings
Wed May 06, 2015 10:38 am
Forum: Personal Consumer Issues
Topic: Florida Vacation
Replies: 28
Views: 1948

Re: Florida Vacation

It sounds like a nice trip. I hope that you enjoy it. I am pretty familiar with Charleston area. My favorite restaurant is the Boathouse which is located on Isle of Palms adjacent to the bridge connecting IOP to Sullivans Island. It over looks the intracoastal waterway and has great seafood and oth...
by Random Musings
Tue May 05, 2015 9:05 pm
Forum: Personal Consumer Issues
Topic: Florida Vacation
Replies: 28
Views: 1948

Re: Florida Vacation

If I was spending a week in FL with kids I would cut the itinerary down to 2 destinations. 1. Some sort of family beach resort, maybe a condo rental on VRBO on one of the nice beaches that also has great pool features for kids. There are tons of these all over FL. With a condo you aren't tied to re...
by Random Musings
Tue May 05, 2015 8:44 pm
Forum: Personal Consumer Issues
Topic: Florida Vacation
Replies: 28
Views: 1948

Re: Florida Vacation

Day 6 St. Augustine - Ideas besides the typical tour book thoughts? Is it worthwhile to visit Castillo de San Marcos? Any good beach areas around there for an evening stroll? RM I'm 40 and have visited St. Augustine since my folks retired there 25 years ago. The Castillo is a nice fort to visit. It...
by Random Musings
Tue May 05, 2015 8:41 pm
Forum: Personal Consumer Issues
Topic: Florida Vacation
Replies: 28
Views: 1948

Re: Florida Vacation

There are no beaches on the Nature Coast that I know of, except for the faked one at Fort Island. I bet there were none on Siesta Key before the developers transformed it all. You can find developer-created beaches in many coastal states, they have nothing much to do with visiting Florida. Sorry, b...
by Random Musings
Tue May 05, 2015 8:38 pm
Forum: Personal Consumer Issues
Topic: Florida Vacation
Replies: 28
Views: 1948

Re: Florida Vacation

Nicolas wrote:Sanibel island -- for the shells.


Yes, my old carpool buddy, who basically lived in FL for two years vacationing at his parents winter home mentioned this. I'll have to check the logistics.

RM
by Random Musings
Mon May 04, 2015 2:30 pm
Forum: Personal Consumer Issues
Topic: Florida Vacation
Replies: 28
Views: 1948

Florida Vacation

Finally going to take Florida off my states to travel list - (I did go there to Miami on business and did a little snorkeling at Biscayne, but I don't count business trips) - so I have a few questions about my travel iternary. Traveling with kids. Vacation in late September Days 1-2 Siesta Key Just ...
by Random Musings
Fri May 01, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: Oh Hail! [fix hard to see hail damage to car?]
Replies: 24
Views: 1859

Re: Oh Hail!

Similar situation. However, the entire neighborhood had their roofs replaced due to cracked shingles. We did that.

Car had dents but driving that vehicle into the ground. I would take the money and use it for the next car you purchase.

RM
by Random Musings
Tue Apr 21, 2015 9:40 pm
Forum: Investing - Theory, News & General
Topic: NY Times Article - Active Mutual Funds
Replies: 25
Views: 3261

Re: NY Times Article - Active Mutual Funds

If you want to pick active funds, at least pick something at Vanguard where they are low cost and have a history of great performance with managers who have proven track records. Except that U.S. Growth, the high flyer in the 90's, became a real dog. RM And now U.S. Growth has a better return than ...
by Random Musings
Fri Apr 17, 2015 3:52 pm
Forum: Investing - Theory, News & General
Topic: NY Times Article - Active Mutual Funds
Replies: 25
Views: 3261

Re: NY Times Article - Active Mutual Funds

jay22 wrote:If you want to pick active funds, at least pick something at Vanguard where they are low cost and have a history of great performance with managers who have proven track records.


Except that U.S. Growth, the high flyer in the 90's, became a real dog.

RM
by Random Musings
Fri Apr 17, 2015 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Stocks are on sale, should I buy?
Replies: 54
Views: 6260

Re: Stocks are on sale, should I buy?

OP....

Have you developed a written investment plan....... Yet???

I'm thinking no.

So write one and stick with a plan.

RM
by Random Musings
Fri Apr 17, 2015 3:43 pm
Forum: Investing - Theory, News & General
Topic: How to (diplomatically) challenge wife's active mgmt funds
Replies: 90
Views: 5716

Re: How to (diplomatically) challenge wife's active mgmt fun

Front end load costs are sunk.

For 1% ER on 2% of portfolio - I'd not worry about it. If ER was zero, total portfolio ER would be reduced by 2 basis points.

RM
by Random Musings
Thu Apr 09, 2015 4:40 pm
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 3427

Re: Planning Washington DC Sightseeing

With respect to the Supreme Court, if in session, see what cases are being presented that day. In certain instances, the time to "get in line" starts pretty early. Besides the Topedo factory in Alexandria, there is also a walking tour you can take to visit certain historic homes/shops. Rea...
by Random Musings
Thu Apr 09, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 3427

Re: Planning Washington DC Sightseeing

I like to stay in Alexandria and take public transportation in..... With respect to visiting the National Zoo, I do have one tip. The zoo states hours that are 10 a.m (or something like that), but what you can do is go earlier, see all the outside exhibits (also, when the animals are more active on ...
by Random Musings
Thu Apr 02, 2015 5:05 pm
Forum: Investing - Theory, News & General
Topic: Bear market warning sign
Replies: 27
Views: 5530

Re: Bear market warning sign

Just click your Berluti's three times and say "This time it will be different".

But not too hard, don't want to scuff 'em.

RM
by Random Musings
Thu Apr 02, 2015 4:57 pm
Forum: Investing - Theory, News & General
Topic: The Detriments of Rebalancing
Replies: 67
Views: 6563

Re: The Detriments of Rebalancing

If you don't rebalance, you don't have a target asset allocation. In the long run, if equities continue to outpace bonds, it means your risk tolerance will increase regardless of your risk needs. That doesn't sound like a rational plan. A fat tail could cause problems just when you don't need it. Ram
by Random Musings
Thu Apr 02, 2015 12:21 pm
Forum: Personal Consumer Issues
Topic: South Florida trip
Replies: 14
Views: 1985

Re: South Florida trip

Since you are there during the dry season, I would visit the Everglades since most park activities are scheduled during this time. There are a lot of refuges and sanctuaries in the area that you can visit as well. If you are going to Biscayne, are you going to take a boat ride or do you plan to sno...
by Random Musings
Thu Apr 02, 2015 12:08 pm
Forum: Investing - Theory, News & General
Topic: My Vanguard Momentum Trading Blog
Replies: 23
Views: 2692

Re: My Vanguard Momentum Trading Blog

The Target 2025 Fund is at .99% of the portfolio. This means the momentum portfolio's funds outperformed T2025 by a statistically insignificant amount. More data is needed to draw any conclusions. http://vanguardmomentuminvestor.weebly.com/vanguard-momentum-investing/category/all Being an April 1 p...
by Random Musings
Sat Mar 28, 2015 10:25 pm
Forum: Personal Consumer Issues
Topic: South Florida trip
Replies: 14
Views: 1985

Re: South Florida trip

Since you are there during the dry season, I would visit the Everglades since most park activities are scheduled during this time. There are a lot of refuges and sanctuaries in the area that you can visit as well. If you are going to Biscayne, are you going to take a boat ride or do you plan to snor...
by Random Musings
Sat Mar 28, 2015 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $500,000 house?
Replies: 43
Views: 6136

Re: Can I afford a $500,000 house?

Yes you can.

Just remember to consider closing costs on both transactions, increased property taxes most likely, bigger mortgage payment. Just means you will have to work a little longer to achieve your goals.

Plus more house to clean.

RM
by Random Musings
Sat Mar 28, 2015 8:36 pm
Forum: Personal Consumer Issues
Topic: Savannah
Replies: 28
Views: 3862

Re: Savannah

If you are up for a drive, I would recommend checking out Charleston, which is a bit under 2 hours away. We went to Charleston last year and wish we made the drive to Savannah to say we went. If your into good meals, Charleston was absolutely amazing. It was kind of odd finding such good food in su...
by Random Musings
Thu Mar 26, 2015 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with 1.25 million dollars for 1 year?
Replies: 39
Views: 4141

Re: What would you do with 1.25 million dollars for 1 year?

Actual question: in recent history, has there ever been an FDIC-insured bank that failed but did not make all account holders whole? I.e. how much do you really need to be concerned about exceeding the FDIC insurance limit? I was wondering this as well. Now if this was 2009 I would be a lot more co...
by Random Musings
Thu Mar 26, 2015 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with 1.25 million dollars for 1 year?
Replies: 39
Views: 4141

Re: What would you do with 1.25 million dollars for 1 year?

I think you have to take into consideration the remainder of your portfolio beyond the $1.25MM and how that is allocated. If that part of the portfolio can absorb the loss associated with the investment of $1.25MM in tax-exempts, for example, you could go that route with some known risks of investin...
by Random Musings
Thu Mar 26, 2015 2:36 pm
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 15843

Re: Restaurant tipping

I have one instance of each of the normal curve tails in the last 10 years. Once was at a Corky's barbecue. The server only came by our table one time to get our order. Never refilled our drinks after bringing them with the meal. Stood around talking the rest of the time in plain view. When we fina...
by Random Musings
Wed Mar 25, 2015 9:06 pm
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 2359

Re: Need a tablet maybe

Thanks all for your help. You've given me some ideas and pointed me out to the direction. I'm leaning toward an Android in the neighborhood of $150, but am also thinking about the Kindle Fire. I don't expect to be reading books on the device, however, just news etc. I have an IPad, but with your cr...
by Random Musings
Wed Mar 25, 2015 3:41 pm
Forum: Investing - Theory, News & General
Topic: Money Magazine on Low Volatility Funds
Replies: 18
Views: 3308

Re: Money Magazine on Low Volatility Funds

If a truly random selection of stocks beats the average, by a wide margin, how is it that active fund managers are able to significantly underperform the index by a wide margin? If it's a wide margin, that should exceed the drag of higher expense ratios. That would seem to suggest that active stock...
by Random Musings
Wed Mar 25, 2015 3:21 pm
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 15843

Re: Restaurant tipping

Do you all calculate your percent tip pre-tax or post-tax? I tip 15% pre-tax as the base (taking into considerations any coupons or such). I do round, so more likely 16-17% as the base amount if I really think about it. With those who tip relatively well regardless of service, I just don't get it. ...
by Random Musings
Wed Mar 25, 2015 1:41 pm
Forum: Investing - Theory, News & General
Topic: My Lucky [Trading] Friend
Replies: 13
Views: 2104

Re: My Lucky Friend

Another story to toss into the anecdotal evidence drawer.

RM
by Random Musings
Wed Mar 25, 2015 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Considering Vanguard Health Care Fund VGHCX
Replies: 15
Views: 1996

Re: Considering Vanguard Health Care Fund VGHCX

A reasonable amount of Health Care posts recently - perhaps a contrarian indicator?

RM
by Random Musings
Wed Mar 25, 2015 1:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. cash pouring into international
Replies: 23
Views: 2796

Re: U.S. cash pouring into international

A timely post, I just go a webinar e-mail from Vanguard about investing internationally. I guess they didn't screen that 35% of my equities are international, but then again, Vanguard doesn't calculate that correctly on their website to begin with. Which means certain investors may make a decision t...
by Random Musings
Wed Mar 25, 2015 1:31 pm
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 15843

Re: Restaurant tipping

Do you all calculate your percent tip pre-tax or post-tax? I tip 15% pre-tax as the base (taking into considerations any coupons or such). I do round, so more likely 16-17% as the base amount if I really think about it. With those who tip relatively well regardless of service, I just don't get it. ...
by Random Musings
Mon Mar 23, 2015 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for good friend
Replies: 38
Views: 3725

Re: Advice for good friend

Perhaps one way to deal with this situation is to move all the money out to a low cost alternative. The rationale would be that it eliminates any conflict of interest between the two parties and also eliminates potential uncomfortable situations if the net returns underperform a simple passive strat...
by Random Musings
Mon Mar 23, 2015 9:54 pm
Forum: Investing - Theory, News & General
Topic: How credible is this expert view? from the Crux
Replies: 2
Views: 525

Re: How credible is this expert view? from the Crux

Don't take investment advise from cab drivers or porters.

RM
by Random Musings
Mon Mar 23, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 4823

Re: Splitting a Food Tab on a Combined Birthday Lunch

Peterjens wrote:Let's say Matthew, Mark, Luke and John's lunch are $21 each[/b].


WWJD?

RM
by Random Musings
Mon Mar 23, 2015 1:54 pm
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 15843

Re: Restaurant tipping

Not too long ago 15% was considered a standard tip for standard quality service, now it seems that 20+% is considered standard. On one occasion when I received lousy service I left 15% and was chased out into the street and yelled at by the server for not leaving enough. I feel like I'm being held ...
by Random Musings
Sat Mar 21, 2015 8:40 pm
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 4923

Re: Hearse as daily driver?

One upside is that they have good carrying capacity in the back.

RM
by Random Musings
Sat Mar 21, 2015 8:27 pm
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 8625

Re: The one area I disagree with Jack

On a bigger picture basis, I see SS as one known cash flow stream is essentially a fixed annuity, just like many pensions. However, I would consider to annuitize some of the investable side untilfuture expected expenditure steams are met and then invest the balance at ones risk tolerance.

RM
by Random Musings
Fri Mar 20, 2015 8:28 pm
Forum: Investing - Theory, News & General
Topic: Long-term performance of value vs cap-weighted index
Replies: 9
Views: 757

Re: Long-term performance of value vs cap-weighted index

There is a chart of Wellington vs SP500 total return from 1/1979 to 10/2014 http://remonsy.com/daily/vanguard-etf-funds/vanguard-wellington-analyzed/ The main difference is that Wellington did not participate in the "bubble" from 1990 to 2001, but it was on par with the SP500 in mid 2001....
by Random Musings
Fri Mar 20, 2015 3:06 pm
Forum: Personal Consumer Issues
Topic: New washing machine won't fit down basement steps.
Replies: 32
Views: 3534

Re: New washing machine won't fit down basement steps.

I suspect dropping the stair case is the lesser of evils. In many cases basement stairs are relatively loosely attached. It may be a question of cutting a dozen or so nails. If you do this consider using bolts rather than nails when you put it back up. I concur. That sounds better than taking apart...
by Random Musings
Thu Mar 19, 2015 12:25 pm
Forum: Investing - Theory, News & General
Topic: This Fund Manager Has Consistently Beaten the S&P 500
Replies: 18
Views: 3035

Re: This Fund Manager Has Consistently Beaten the S&P 500

I brought the fund up in Morningstar, and sure enough, the fund has handily outperformed the S&P 500 since its inception in 1969. However, I decided to shift the start date forward a few years to 1972, the year I was born. I was curious to see how well it's performed during my lifetime--and was...
by Random Musings
Thu Mar 19, 2015 12:16 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 149
Views: 14393

Re: John Bogle's Don't Peek Challenge

I do peek: - For rebalacing purposes - If I have to roll into new individual TIPS or CD - To make sure new monies are received - To make sure not any unusual activity is occuring in my accounts I'm sure people don't look at store receipts either, but I don't want to have to go back to correct their ...
by Random Musings
Thu Mar 19, 2015 12:01 pm
Forum: Investing - Theory, News & General
Topic: Phil Town: "Rule #1 Investing"
Replies: 11
Views: 1351

Re: Phil Town: "Rule #1 Investing"

cheese_breath wrote:As soon as I saw

"Learn my… 6 Principles for Market Crushing Investing The Best Investors in the World Have Used These Timeless Principles For the Past 80 Years to Make 20% Returns Per Year"

that was enough for me.


Agree. 20% is a little light.

RM

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