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Re: VGPMX or USAGX?

Bogleheads is not the sort of forum where we discuss "which fund is better." I'd suggest you spend some more time exploring the wiki pages and maybe check out one of the Boglehead books, or better yet John C. Bogle's Little Book of Common Sense Investing . While there are some Bogleheads w...
by Stonebr
Fri Oct 31, 2014 12:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX or USAGX?
Replies: 3
Views: 221

Re: Most financially economical choice for a car

Honda Accord or Toyota Camry would be better choice from safety point of view. You can wait till September to buy 2014 model when deeper discounts are offered. Where you did get this information? EDIT: Oh nevermind, I found a site that has all the crash ratings and stuff. For that matter, Prius doe...
by Stonebr
Tue Oct 28, 2014 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 52
Views: 4010

Re: Electric Water Heater

You might want to look at Rheem Marathon. They are expensive :moneybag , but they use a polybutylene tank that is warranted for as long as you own your home or 15 years, whichever is longer. There's no possibility of corrosion. These are also among the most energy efficient electric water tanks on t...
by Stonebr
Tue Oct 28, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Electric Water Heater
Replies: 14
Views: 830

Re: What funds are negatively correlated with stocks?

What funds? probably none.

Try googling "asset class correlations" For example:

http://awgmain.morningstar.com/webhelp/ ... lasses.htm
by Stonebr
Sat Oct 25, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: What funds are negatively correlated with stocks?
Replies: 24
Views: 2908

Re: simplify and diversify

placeholder wrote:I personally don't bother with simplicity because it's so easy to track and manage things these days.


I personally don't bother with tracking or managing these days. Simplicity makes it unnecessary.
by Stonebr
Tue Oct 21, 2014 8:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: simplify and diversify
Replies: 19
Views: 2890

Re: opening offshore bank account

Why the dinky little countries with a history of money laundering? I would think that you are guaranteeing an annual tax audit for the rest of your life.

Why not Canada?
by Stonebr
Mon Oct 20, 2014 8:52 pm
 
Forum: Investing - Theory, News & General
Topic: opening offshore bank account
Replies: 10
Views: 1009

Re: Find a way to explain to me "WHY" should I break up w/ M

I used to own this fund. In fact I bought into it the first month it was offered. However, I am now 100% BH indexed and retired. Mutual Discovery Z is the one active fund I sort of regret dumping. However, all of my financial goals have been met through indexing, and the additional return I may or m...
by Stonebr
Thu Oct 16, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Find a way to explain to me "WHY" should I break up w/ MDISX
Replies: 23
Views: 1122

Re: How to wrap my head around downsizing my home?

Where you live might depend on which hospital you want to be near. Mass General, you can get to easily from downtown or from Cambridge, Charlestown or even Everett or Malden. Longwood Medical area with Beth Israel and other hospitals is tucked in between Fenway and Brookline. I used to walk to my do...
by Stonebr
Wed Oct 15, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3580

Re: When people put all their eggs in the wrong basket

VictoriaF wrote:If someone looks too stupid to be real, he probably isn't.


Don't be too sure about that...
by Stonebr
Tue Oct 14, 2014 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26553

Re: Best solution for clouded auto headlight lens?

Our Corolla has this problem, and I polish the plastic headlight covers once a year. Takes about an hour at most. The stuff I use is off the shelf at my local auto parts store -- Meguiar's PlastX. It cost about $6.50 and lasts for several years at least -- I'm not even close to half way through the ...
by Stonebr
Sun Oct 12, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 2699

Re: Building a New House, Advice please.

Like Valuethinker, I would urge you to make the house as energy efficient as possible. You should make Energy Star certification part of the written contract. That's the very minimum standard you should accept. Oklahoma has hot summers and cold winters. It's much easier and cheaper to do this with n...
by Stonebr
Sun Oct 12, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 5560

Re: Suggest an AM - FM Stereo Receiver?

I find it hard to believe many will be listening to music from receivers in the future. What's the advantage? With my laptop hooked up to external speakers I can listen to cd's as well as I Heart Radio or Pandora. With the laptop I can get radio from all over the USA, any town, and there's no issue...
by Stonebr
Sat Oct 11, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Suggest an AM - FM Stereo Receiver?
Replies: 24
Views: 1866

Re: Stable Income Fund vs. Total Bond Market

FWIW I've used my employer's plan Stable Value fund since 1982. No regrets. I continue to use it in retirement.
by Stonebr
Fri Oct 10, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stable Income Fund vs. Total Bond Market
Replies: 32
Views: 2223

Re: Sixth anniversary of worst week ever for stocks

So... what did you do in October 2008? This was about the time I'd decided to convert to a total BH portfolio, and I used the down market as an opportunity to sell all of our individual stocks and active mutual funds. I picked up a war chest of tax loss carry forward. I'm very grateful to the BH co...
by Stonebr
Fri Oct 10, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 4430

Re: How to migrate to factor investments?

duffer wrote:My question is less about the wisdom of that plan than about how to get there from my present positions.

duffer


I tried to beat the market for decades with this kind of crap. I used to be a duffer too. So my answer is more about the wisdom of your plan than how to get there.
by Stonebr
Sun Oct 05, 2014 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to migrate to factor investments?
Replies: 7
Views: 380

Re: What will you do during the next crash?

I will probably re-read Galbraith's The Great Crash for the fourth or fifth time.
by Stonebr
Sun Oct 05, 2014 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: What will you do during the next crash?
Replies: 63
Views: 4039

Re: Do you deviate from the BH philosophy?

My wife has her own ideas. 100% of her IRA has been in Fidelity Contrafund since about 1990, and it has been very good to her. I have left well enough alone.
by Stonebr
Wed Oct 01, 2014 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 3851

Re: Tell me about Paris

Look into renting an apartment for a week. We did and it was absolutely fantastic -- about the same as a budget hotel and less than a block from the Louvre. We could come and go as we pleased and economize on food if necessary. It even had washer and dryer. This idea might be especially good with ki...
by Stonebr
Wed Oct 01, 2014 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3598

Re: Maybe going back to cash isn't such a bad idea

I use cash more and more these days. Sure, I play the cash-back credit card game too, but after getting skimmed by a waiter/waitress at a local restaurant, another twerp at the local cinema, and the various online hackers, it's a way to lessen the risk. Yeah, zero liability, but identity theft is th...
by Stonebr
Tue Sep 30, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: Maybe going back to cash isn't such a bad idea
Replies: 18
Views: 2040

Re: Indexing in EM, and Templeton's Mobius

Sadly, I have owned the Templeton Developing Markets Trust for many years. It is a value fund, which should have helped its performance compared to the indexes. It underperformed the index and also failed to capture the value premium as well. Fortunately, it is a relatively small holding. The Frank...
by Stonebr
Sat Aug 30, 2014 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Indexing in EM, and Templeton's Mobius
Replies: 10
Views: 1014

Re: Does it make any sense to switch from VFIAX to VTSAX?

Great suggestions. Then why does Vanguard even sell the sliced and diced "mid cap index" fund if all investors really need is either Total stock mkt Or S&P / extended? It's very confusing to newbies Slice and dice portfolios, including value tilting and other gimmicks are for Boglehea...
by Stonebr
Fri Aug 29, 2014 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does it make any sense to switch from VFIAX to VTSAX?
Replies: 20
Views: 2661

Re: Approximating total stock market in 401k

Googling the Vanguard Employee Benefit Index fund, I see that this is an SP500 index. In that case, just make the proper mix with Extended Mkt and you've got total stock.
by Stonebr
Fri Aug 29, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approximating total stock market in 401k
Replies: 4
Views: 263

Re: Another Milestone

I would not add it to your net worth. Rather, look at total cash flow needed minus income stream (pensions, SS), so you have the net cash flow you need from your investable assets. +1 I've never added NPV (net present value) of pension or Social Security to my assets. The correct way to calculate N...
by Stonebr
Fri Aug 29, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Another Milestone
Replies: 9
Views: 1366

Re: A Primer on John Templeton

Templeton was a classy old guy. But really, as a Boglehead investor you've got to get beyond hero-worship. Reading about these active managers is just going to get you involved in their way of thinking -- that the market can be beat, and that it's important to beat it. About the only take-away from ...
by Stonebr
Thu Aug 28, 2014 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: A Primer on John Templeton
Replies: 28
Views: 2207

Re: TLH in the 15% bracket conundrum(?)

Own any gold? The TLH offset can be used on the 28% tax on gains from collectibles like coins, antiques, and art.
by Stonebr
Thu Aug 28, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: TLH in the 15% bracket conundrum(?)
Replies: 4
Views: 465

Re: Buying a home with aluminum wiring?

The safety of knob and tube wiring: http://www.oldhouseweb.com/how-to-advice/knob-and-tube-wiring.shtml In my 100 year old house the visible stuff was in fine shape. The electrician (an old experienced guy) said to leave it alone and I did. Yes. And also the entire continent of Europe is ungrounded...
by Stonebr
Wed Aug 20, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 4974

Re: Mississippi wins!

Alas, Mississippi is dead last (no pun intended) in life expectancy -- 51 out of 50 states and DC.
by Stonebr
Tue Aug 19, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mississippi wins!
Replies: 14
Views: 1884

Re: Savings Percentage [rules of thumb]

My wife and I are subscribers to the bogleheads / LBYM philosophy, but as a metrics guy I'm interested to get a better understanding of the rule of thumb that I hear regarding what percentage of earnings we should be saving. When people say aim for 20% or 30% of earnings, is that pre-tax or post-ta...
by Stonebr
Mon Aug 18, 2014 9:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Percentage [rules of thumb]
Replies: 49
Views: 5637

Re: Europe travel: best card for ATM cash

Schwab is the only debit card I'm aware of that reimburses fees internationally. Earlier in this discussion I made folks aware of the WellsFargo debit card that also reimburses fees internationally with an excellent exchange rate. My Ally ATM card does the same -- at least it did last time I was in...
by Stonebr
Mon Aug 18, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Europe travel: best card for ATM cash
Replies: 33
Views: 2131

Re: Grandparents - 80 yrs old, new to investing

My initial thought was a simple 2 or 3 fund portfolio at Vangaurd. However, considering that I think this will all need to be invested in a taxable account, should they avoid bonds? Can they take more risk since the primary purpose of the money is to be given away? What other strategies should they...
by Stonebr
Sun Aug 03, 2014 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandparents - 80 yrs old, new to investing
Replies: 8
Views: 599

Re: International investing. A good call by our mentor.

You could also argue that small and mid cap stocks aren't absolutely necessary either. Then keep the same logic going long enough and pretty soon you own just the 20 largest US based companies. I'll take Total US Stock and Total International Stock. I want to own everything. Keep it simple and don't...
by Stonebr
Thu Jul 31, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12838

Re: Gold, Silver, Copper

I expected these kind of replies which is an indicator of negative sentiment in general. The general asset classes are very over extended but the precious metals are cheap yet most do not see this. Time will tell of course. I've owned and watched gold for many decades. Quite frankly, you are most l...
by Stonebr
Wed Jul 23, 2014 10:12 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 7694

Re: With all these recent posts regarding tilts, should I?

+1 to both Livesoft and Twins Fan.

Another thing to consider:

My experience was that 95% of my investment attention was focused on the 5% I had in sector funds like REITs, Energy, etc. I'd actually lose sleep over the stupid things. That's why I don't bother any more. Keep it simple.
by Stonebr
Mon Jul 21, 2014 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: With all these recent posts regarding tilts, should I?
Replies: 14
Views: 1061

Re: Value Overvalued

james99 wrote:On page 5 of this report from JP Morgan, it shows Value stocks are overvalued, and Growth stocks are undervalued compare to their 20 years averages.

https://www.jpmorganfunds.com/blobconte ... lebook.pdf

[/i]



Noise. Ignore it.
by Stonebr
Sun Jul 20, 2014 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: Value Overvalued
Replies: 23
Views: 2363

Re: How much energy does water heater use when I'm not home?

Back when I had one of those old obsolete electric water heaters I used to turn off the power at the circuit box when I went on vacation. Did it all the time for 15 years -- no problems. Saved electricity and $ with no downside. Here in the future I have on demand from a high efficiency wall mounted...
by Stonebr
Fri Jul 18, 2014 9:50 pm
 
Forum: Personal Consumer Issues
Topic: How much energy does water heater use when I'm not home?
Replies: 32
Views: 2865

Re: A Romney Problem

joe8d wrote:
Levett wrote:Me. I paid my taxes.

Lev


Same here.


+1. I've received great benefits from living in this great country. I don't have any qualms about paying something back.
by Stonebr
Fri Jul 18, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Romney Problem
Replies: 16
Views: 2055

Re: Buy a condo for college?

I wouldn't rush into anything. Your kids may prefer dorm life because it's more social and the cooking gets done for them at the dining hall. There's more peer pressure at the dorm to keep them in line (hopefully). Things can get kind of lax around private apartments. Not every part of life can be ...
by Stonebr
Fri Jul 18, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2581

Re: Honda Fit, Civic

Fit is a new model for 2015. Comparing it with prior years may be unfair. For example, the 2014 and earlier Fits have a POOR rating in the small offset crash test. The new one? Nobody knows yet. Civic has a GOOD rating. The old Fit had slightly less fuel economy than the Civic. The new one slightly ...
by Stonebr
Fri Jul 18, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Honda Fit, Civic
Replies: 32
Views: 3848

Re: Oil Change due: Synthetic vs Regular Oil

powersmo wrote:The best place for questions on car maintenance and oil that I have found is http://www.bobistheoilguy.com, the folks on that forum are THE experts on oil like the folks on bogleheads are THE experts on investing.


+1 bobistheoilguy is the Bogleheads of car maintenance.
by Stonebr
Mon Jul 14, 2014 10:25 pm
 
Forum: Personal Consumer Issues
Topic: Oil Change due: Synthetic vs Regular Oil
Replies: 33
Views: 2897

Re: New Investor - Looking To Play and Need Advice

The wiki pages on this website are a good place to start. In those wiki pages are some recommended books -- like the Bogleheads Guide to Investing . And of course the various books by John C. Bogle. I'd suggest you don't do anything with your money for a while (except save it in a safe place). Read,...
by Stonebr
Mon Jul 14, 2014 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor - Looking To Play and Need Advice
Replies: 7
Views: 1023

Re: Does a Precious Metals & Mining Fund Improve a Portfolio

I owned precious metals funds at various times in my investing life. I'd always buy them with the best of intentions -- diversification, catastrophe hedging, long term focus, and allocation 5% or less. The reality was that the gold fund was 5% of my portfolio and 95% of my stress. I'd buy low, sell ...
by Stonebr
Sat Jul 12, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Precious Metals & Mining Fund Improve a Portfolio?
Replies: 29
Views: 3299

Re: Vanguard LifeStrategy Moderate Growth Fund through 401(k

I'd go with the LS fund. Paul +1 The Life Strategy funds are classic Boglehead portfolios -- low cost, complete investment programs in one fund. While you might be able to save a few basis points by keeping the funds you have, that's not enough to make an iota of difference to your standard of livi...
by Stonebr
Sat Jul 12, 2014 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Moderate Growth Fund through 401(k)
Replies: 35
Views: 2368

Re: Do you deviate from the owner's manual?

Yes, and no. Owner's manual says 91 octane for optimum performance, 87 minimum. I did some tests early on and determined that fuel economy and performance were the same regardless of the octane rating of the gas used. So I use 87 now. Oil changes twice a year. Full synthetic oil. I don't even look a...
by Stonebr
Tue Jul 08, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Do you deviate from the owner's manual?
Replies: 35
Views: 3651

Re: Vanguard - Energy Fund

I used to own this fund. (Not saying much, I think I've owned every fund at one time or another.)

Ditched it during the Great Simplification in 2008-9.
by Stonebr
Sat Jul 05, 2014 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard - Energy Fund
Replies: 31
Views: 4048

Re: Phantom Expenses and Withdrawal Rates

The Otar SWR software includes an input parameter for investment expenses. I used .20%, FWIW. As for car and home repairs, I calculate two SWRs, a high one and a low one. We live within the low one for regular monthly costs. When the high one accumulates enough for a new car, we know we can afford o...
by Stonebr
Sat Jul 05, 2014 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: Phantom Expenses and Withdrawal Rates
Replies: 12
Views: 893

Re: Asset allocation in multiple accounts question

1. With Duckie's AA, can you elaborate, specifically in my case how should I contribute monthly (or annually) to keep the % of each fund as close to as designed possible? I understand I need to rebalance it once or twice a year. But I don't want to re-do all 5 accounts unless I have no choice. Annu...
by Stonebr
Sat Jul 05, 2014 8:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation in multiple accounts question
Replies: 20
Views: 1415

Re: Should bond fund be in IRA

Best thing to do is check out the Bogleheads wiki page on tax considerations: http://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement You'll see in "Step 1" a table of investment classes listed according to their tax efficiency and recommended placement in taxable or shel...
by Stonebr
Fri Jul 04, 2014 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should bond fund be in IRA
Replies: 4
Views: 470

Re:

As with any other consumption item, the key is to consume neither too much, or too little. 700 square feet is about my low limit as a single person as well. Nick I lived 14 years very comfortably in a 653 sq ft condo in Boston. The other dimension, of course, is height, and my condo had 11 ft ceili...
by Stonebr
Fri Jul 04, 2014 10:05 pm
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 16222

Re: POLL: Are You Re-Balancing?

No. I don't fuss with this stuff until December.
by Stonebr
Fri Jul 04, 2014 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 5245
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