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Re: Where would you retire, if $ were no object?

...Winter in Melbourne.... ...I'm guessing you mean Summer in Melbourne (..but I suppose it's the same time of year as Northerner's think of as " Winter "...) 95-degree Fahrenheit on Christmas day is an unusual experience when all the T.V. shows are about snow-flake wonder-lands with news...
by Valuethinker
Thu Apr 24, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 69
Views: 4245

Re: Housing in NYC area

My wife and I have lived on the north shore of Long Island for over 30 years (own our own house). We never made anything close to $300k and have lived a great life...now retired. I worked in NYC most of my life and my train commute was fine. We put our daughter through private college and did a goo...
by Valuethinker
Thu Apr 24, 2014 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Housing in NYC area
Replies: 21
Views: 1629

Re: What Book Are You Currently Reading? Part V

I just finished Cryoburn , by Lois McMaster Bujold, the last of the Vorkosigan series. I've got my husband reading the Vorkosigan series now, he's also on Memory and can't put it down. We both read sci-fi, which makes it difficult when we're both on the same series. We split on the sub-genres, thou...
by Valuethinker
Thu Apr 24, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2646
Views: 605114

Re: What Book Are You Currently Reading? Part V

Rich Dad / Poor Dad Finally getting around to finishing it. As long as you are aware how many questions there are about Kiyosaki (sp?). His track record, his proposed methods. Is not he the guy who converts rich dads into poor dads? Victoria ;-). ;-) No evidence he ever made any money before the bo...
by Valuethinker
Thu Apr 24, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2646
Views: 605114

Re: What Book Are You Currently Reading? Part V

I read Frank Herbert's Dune ages ago and really enjoyed it, but never picked up any of the other Dune sequels ... until now. Just finished Dune Messiah and will be starting Children of Dune this evening. I don't think the ones written by his son were to the same quality. In fact I didn't find DM an...
by Valuethinker
Thu Apr 24, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2646
Views: 605114

Re: What Book Are You Currently Reading? Part V

Currently I'm reading Mirror Dance in the Vorkosigan series by Lois McMaster Bujold. Sad to say but I find the stories involving Miles' clone rather contrived. The story arc is fine once you get past this. I'm thinking about re-reading LeGuin's "The Dispossessed". The first time I read it...
by Valuethinker
Thu Apr 24, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2646
Views: 605114

Re: What Book Are You Currently Reading? Part V

SuperGrafx wrote:Rich Dad / Poor Dad

Finally getting around to finishing it.


As long as you are aware how many questions there are about Kiyosaki (sp?). His track record, his proposed methods.
by Valuethinker
Thu Apr 24, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2646
Views: 605114

Re: If you have ACA health insurance, what is your experien

Same exact conversation occurred earlier this month, but replacing the word "insurance" with "new tires." http://www.bogleheads.org/forum/viewtopic.php?p=2015063#p2015063 Hey, what can I say? I track expenses and net worth like a hawk. From March 1, 2014 to April 1, 2014, our ne...
by Valuethinker
Thu Apr 24, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 206
Views: 8275

Re: Where would you retire, if $ were no object?

USA: New York City Non-US: Barcelona, Spain Good choices. NYC is the same as mine. Barcelona is interesting, but I have not been there yet, Victoria There's really nothing like NYC. Not even Shanghai. Nor London. Maybe 3 months of the year in NYC, 3 months in London. NYC in spring (May) and fall (S...
by Valuethinker
Thu Apr 24, 2014 8:10 am
 
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 69
Views: 4245

Re: Is 1800s stock market data even relevant?

Hi Valuethinker, I didn't say the inflation numbers were off by 2%-3%. I said the combined errors on stock returns and inflation could put the real returns on stocks off by 2%-3% per year, if stock return estimates were high and inflation estimates were low. We simply don't know enough to know how ...
by Valuethinker
Thu Apr 24, 2014 8:02 am
 
Forum: Investing - Theory, News & General
Topic: Is 1800s stock market data even relevant?
Replies: 60
Views: 2850

Re: Do you think the biotech sector will be hurt long term?

Unfortunately when you claw back through the history even of past threats like infectious bacterial and viral diseases, the death rate doesn't drop in sudden jumps due to certain inventions, it mostly tracks rising standard of living. There's no equivalent of that for the age related and genetic di...
by Valuethinker
Thu Apr 24, 2014 7:13 am
 
Forum: Investing - Theory, News & General
Topic: Do you think the biotech sector will be hurt long term?
Replies: 56
Views: 2673

Re: Is 1800s stock market data even relevant?

Patrick, They picked the best known successful stocks at the time they prepared the list obviously. Why wouldn't they. They wanted to pick the best stocks. They wanted to do well by picking good stocks. There were no stock indexes to tell them how well the market as a whole was doing. Since they di...
by Valuethinker
Wed Apr 23, 2014 11:00 am
 
Forum: Investing - Theory, News & General
Topic: Is 1800s stock market data even relevant?
Replies: 60
Views: 2850

Re: LED bulb prices

Just a related question for those of you with LEDs: do they through off any heat? For someone very sensitive to heat who usually wants all the light bulbs off so as not to feel their heat, would LEDs throw zero heat, or a little or what? Just pulling together all the comments above, for a 60W incan...
by Valuethinker
Wed Apr 23, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 111
Views: 8648

Re: LED bulb prices

If you compare a 10W LED to a 10W incandescent you will find they both give off about the same amount of heat*, but most of the heat from the incandescent is radiant heat in the near infrared. This infrared energy shines around the room in roughly the same pattern as the visible light. You can usua...
by Valuethinker
Wed Apr 23, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 111
Views: 8648

Re: If you have ACA health insurance, what is your experien

Confused ... it appears from reading your responses you are one of the Invincible-20-Somethings and really aren't interested in health insurance because nothing is going to happen to you and if it does you just won't get treatment. However, if you fall and break a leg, you'll likely get it treated....
by Valuethinker
Wed Apr 23, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 206
Views: 8275

Re: Do you think the biotech sector will be hurt long term?

A little bit of background. New drugs *are* price controlled, in most countries. The national health authorities bargain with the drug companies as to the price they are willing to pay for new formulations. In the UK that's called National Institute for Clinical Evidence (NICE). It makes a decision...
by Valuethinker
Wed Apr 23, 2014 5:50 am
 
Forum: Investing - Theory, News & General
Topic: Do you think the biotech sector will be hurt long term?
Replies: 56
Views: 2673

Re: Do you think the biotech sector will be hurt long term?

A little bit of background. New drugs *are* price controlled, in most countries. The national health authorities bargain with the drug companies as to the price they are willing to pay for new formulations. In the UK that's called National Institute for Clinical Evidence (NICE). It makes a decision...
by Valuethinker
Wed Apr 23, 2014 4:36 am
 
Forum: Investing - Theory, News & General
Topic: Do you think the biotech sector will be hurt long term?
Replies: 56
Views: 2673

Re: Do you think the biotech sector will be hurt long term?

I agree. A 6% drop in share price will undoubtedly discourage companies and investors from developing new drugs. That's also why nobody invests in tech companies anymore after the 2000-02 crash. After all, any fool can see there's no way for tech companies to make money considering market structure...
by Valuethinker
Tue Apr 22, 2014 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: Do you think the biotech sector will be hurt long term?
Replies: 56
Views: 2673

Re: Is 1800s stock market data even relevant?

Even worse are the inflation data for the 1800s. We started collecting CPI inflation data during WWI because we realized inflation was accelerating because of the all out war effort. CPI type data for the 1800s was not constructed until after 1970. We argue today about the inflation data collected ...
by Valuethinker
Tue Apr 22, 2014 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: Is 1800s stock market data even relevant?
Replies: 60
Views: 2850

Re: Hedge fund fees

I'm just wondering about last year and the enormous amount of Money hedge funds must have made. If typical fund charges 2/20 of profits. Does that mean a lot of these managers took in at least 8 pct in fees for matching the s&p? Can someone check my math? 2% of funds under management (200 basis...
by Valuethinker
Tue Apr 22, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge fund fees
Replies: 12
Views: 947

Re: Do you think the biotech sector will be hurt long term?

It's hard to avoid speculating about how Gilead came up with their pricing. The market for $1,000 a day drugs can't be all that large for an illness often associated with intravenous drug use. My speculation is that it's because a number of Gilead's competitors are at work on Hepatitis C drugs of t...
by Valuethinker
Tue Apr 22, 2014 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: Do you think the biotech sector will be hurt long term?
Replies: 56
Views: 2673

Re: Do you think the biotech sector will be hurt long term?

Its just like a cure for a terrible life long contagious illness. Why should they get to make any money off of that? I think GILD deserves to get get paid and congratulated. Instead maybe they should have made it a chronic treatment so that people have to keep taking it for life, that way they slow...
by Valuethinker
Tue Apr 22, 2014 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: Do you think the biotech sector will be hurt long term?
Replies: 56
Views: 2673

Re: Which budget heating oil plan?

The past few years I've been paying a local heating oil company per delivery and luckily, prices have been fairly consistent. However I'm not of a fan of huge checks having to be written for the 4 or so deliveries I have a year. I'm considering doing a budget plan this coming year to spread out the...
by Valuethinker
Tue Apr 22, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Which budget heating oil plan?
Replies: 4
Views: 276

Re: US NEWS 9 Most Affordable Placs 2 Retire

Another day another retire somewhere other than the US article... Why do we continue to insist on trading in the greatest country on God's green earth for some third world backwater on the other side of the globe??? OK, let the rural south bashing begin :oops: 'greatest country on God's green earth...
by Valuethinker
Tue Apr 22, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: US NEWS 9 Most Affordable Placs 2 Retire
Replies: 21
Views: 2603

Re: Paranoia or just hard to adjust? [High Price of Real Est

Prices in the Fort Myers/Naples area (aside from right on the water) were among the worst hit when the housing crisis struck. I think parts of California, Las Vegas, and Phoenix were the only areas that were hit harder. I sold a 2 bed/2 bath condo about 10 minutes from the coast (still considered N...
by Valuethinker
Mon Apr 21, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paranoia or just hard to adjust? [High Price of Real Estate]
Replies: 19
Views: 2063

Re: Paranoia or just hard to adjust? [High Price of Real Est

Thanks for the replies. I'm just on the fence and having some problems getting off it, on either side. The pluses for us are a much larger water front balcony which is screened (24x12), a significantly larger apartment with over 2200 sq. ft. under air (vs. 1400 now) and the many restaurants, cafes,...
by Valuethinker
Mon Apr 21, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paranoia or just hard to adjust? [High Price of Real Estate]
Replies: 19
Views: 2063

Re: Windsor, UK, question

Yup, agreed on this, I would probably have a stroke if I were to tour Versailles :shock: Civilisation is just so incredibly lucky the Nazis never took Leningrad-- what's in the Hermitage (the Czar's former palace) alone. There's a really clever Russian movie 'Russia's Ark' where a guy is injured in...
by Valuethinker
Mon Apr 21, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Windsor, UK, question
Replies: 29
Views: 874

Re: Low-flow shower head: $4,500 saved in last 5 yrs

I stumbled upon this by calculating the benefit of washing out old Ziploc bags, as my waste-not-want-not family has become notorious for. By my numbers, you save money at a rate of $2.50/hr. And in my case, you are saving oil (plastic) only by burning coal (pumping/heating water). [Edited for clari...
by Valuethinker
Mon Apr 21, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Low-flow shower head: $4,500 saved in last 5 yrs
Replies: 35
Views: 4221

Re: Town home, good or bad idea?

Concur it's likely too early to buy a house. Also don't buy a property with someone who is not your spouse or long term partner . There's just too many issues: job change, marriage, girlfriends or boyfriends moving in, etc. A million ways to fall out. You could buy a property and rent a room to your...
by Valuethinker
Mon Apr 21, 2014 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Town home, good or bad idea?
Replies: 21
Views: 1535

Re: Paranoia or just hard to adjust? [High Price of Real Est

Background.... 66 married, lived in same place 10 years as owner, 7 years as a renter before that, 7 years as owner prior. Retired now with stable cola'd pension, SS and a port that meets our needs at >30 X withdrawal rate for its contribution. Wife is foreign national who uses her overseas income ...
by Valuethinker
Mon Apr 21, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Paranoia or just hard to adjust? [High Price of Real Estate]
Replies: 19
Views: 2063

Re: How high of an allocation to REITs?

Hello, I have more room in my tax-deferred account, and I'm debating about using it to buy more shares of VNQ. Currently, REITs make up about 14% of my portfolio. The new contribution will bring it closer to 16%. I like the high dividend of VNQ, but not the seemingly low number of stocks (104) comp...
by Valuethinker
Mon Apr 21, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: How high of an allocation to REITs?
Replies: 24
Views: 2839

Re: How high of an allocation to REITs?

Rick Ferri has an excellent blog post that addresses your questions: http://www.rickferri.com/blog/investments/reits-and-your-portfolio/ The 4th paragraph answers a big question of yours, basically saying that if you already own Total Stock Market (which has ~3% REITs), then an additional 10% REIT ...
by Valuethinker
Mon Apr 21, 2014 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: How high of an allocation to REITs?
Replies: 24
Views: 2839

Re: Windsor, UK, question

I toured Windsor Castle in 1978. Very nice. I'll tour it, too, and then I'll reciprocate by inviting the owners to visit my castle. Victoria I toured Windsor Castle a few years ago and became physically ill from looking at all the stolen/pillaged and otherwise I'll-gotten gains. The opulence is so ...
by Valuethinker
Mon Apr 21, 2014 8:59 am
 
Forum: Personal Consumer Issues
Topic: Windsor, UK, question
Replies: 29
Views: 874

Re: Windsor, UK, question

3) Greenwich - Have you ever been over to Greenwich? I like to ride over, grab lunch at the Greenwich Market, and go sit in the Naval College Gardens for a picnic. Ride over to Canary Wharf in the evening to grab a pint! Don't re Canary Wharf. It looks like Battery Park City in NYC or downtown Toro...
by Valuethinker
Mon Apr 21, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: Windsor, UK, question
Replies: 29
Views: 874

Re: Landlords and REITs

The intuition that there is some correlation between RE and REITs is probably right. So by overweighting REITs, you are 'doubling up' on your investment in RE-- at least to some extent. Owning rental RE would make me cautious on owning REITs, other than the 2.5% already in Vanguard TSM. They are not...
by Valuethinker
Mon Apr 21, 2014 8:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Landlords and REITs
Replies: 6
Views: 817

Re: Paranoia or just hard to adjust? [High Price of Real Est

Sticker shock is moving from Pittsburgh to Los Angeles in 1977. Half the house for three times the price (I think that makes times six on a relative basis). Higher prices in California is not a new phenomenon. Moving West always costs, even in Florida, apparently. And I suspect the ratio now is mor...
by Valuethinker
Mon Apr 21, 2014 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Paranoia or just hard to adjust? [High Price of Real Estate]
Replies: 19
Views: 2063

Re: POLL: what's the deal with Tuna Fish?

I think it is probably worth mentioning that as a top predator, most or all species of tuna fish are now endangered by overfishing, globally. Losing a top predator in a food chain has particularly diabolical consequences-- in particular such predators tend to be slow in reproducing, so recovery of s...
by Valuethinker
Sun Apr 20, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 3143

Re: Windsor, UK, question

A roads tend to be busy roads, and not so walkable. In an urban area, ordinary streets can be A Roads (I think the distinction is the Department of Transport (Federal) takes responsibility, rather than the local authority), so of course we do walk along them (and are usually unaware they are A roads...
by Valuethinker
Sun Apr 20, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Windsor, UK, question
Replies: 29
Views: 874

Re: Baby Boomers: Top 10 Movies

IBoomers were born 1946-1964 in most accounts. Older boomers can be Vietnam war vets. Or anti war protesters. Boomer girls had birth control pills from 14 years old. Although it appears the Pill was first available in 1961, I doubt many 14 year old girls had access for some time. I am not sure if i...
by Valuethinker
Fri Apr 18, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 44
Views: 2749

Re: Efficient Market question about different stock exchange

1. exchange rates! They fluctuate 24/7. Price in CAD in USD will change every instant. 2. markets don't apply the 'law of one price'. There are always differences. If the differences are significant then arbitragers move in, shorting the high price, longing the low price, in effect betting on the ga...
by Valuethinker
Fri Apr 18, 2014 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: Efficient Market question about different stock exchanges
Replies: 4
Views: 235

Re: Central AC and Forced Hot Air Heat (Gas)

This July would make my home 21 years old. I bought the house brand new. It is a Townhome and is around 1,800 sq. ft. My Central AC went but the heat is still working fine. Is there any advantage to do them both at the same time, or should I just take care of the AC and replace the heat when it sto...
by Valuethinker
Thu Apr 17, 2014 9:56 pm
 
Forum: Personal Consumer Issues
Topic: Central AC and Forced Hot Air Heat (Gas)
Replies: 14
Views: 913

Re: Traveling by train in the UK for the firs time, help!

I am planning a trip with my girlfriend to London and Scotland for this June. We have most things planned out except for modes of travel between our points of interest. Our itinerary is: London (Heathrow) -> Edinburgh -> Inverness -> Glasgow -> London. We were thinking of taking the train between a...
by Valuethinker
Wed Apr 16, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 1255

Re: Traveling by train in the UK for the firs time, help!

I read somewhere that the Heathrow Express is one of the most expensive trains on the planet for the distance, starting at 21 GBP ($35) one-way and 34 GBP ($57) return, each, for the 15-minute trip. And, sadly, not even particularly convenient unless you really want to go to Paddington. In all my t...
by Valuethinker
Wed Apr 16, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 1255

Re: Traveling by train in the UK for the firs time, help!

There are also sleeper trains between London and Scotland. Not particularly cost effective but it might cross something off the bucket list. To do the sleeper to Fort William from London we had to change stations very early in the morning in Glasgow as I recall. There is also that London to Inverne...
by Valuethinker
Wed Apr 16, 2014 10:11 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 1255

Re: Traveling by train in the UK for the firs time, help!

London to Stansted is fairly easy via the Stansted express. Easy Jet flights are inexpensive and reminesent of Southwest ... (I would compare RyanAir to Spirt Airlines) Flight is ~1 hour from Stansted to Edinburgh. Pending on what time in June (late vs early) you'll need to worry about the train ov...
by Valuethinker
Mon Apr 14, 2014 9:34 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 1255

Re: Portfolio for Young Investors: High Bonds and Risky Equi

I've been playing around with the idea of whether a young investor might be aided by increasing both the portfolio's bond allocation and the allocation to riskier equities (int'l small, emerging markets, REITS). I've been looking around the forum to see if this topic has come up much, but I didn't ...
by Valuethinker
Sun Apr 13, 2014 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: Portfolio for Young Investors: High Bonds and Risky Equities
Replies: 30
Views: 2020

Re: Traveling by train in the UK for the firs time, help!

Any possibility of an open-jaw - fly in to Edinburgh or Glasgow, and out of LHR? Could save quite a bit of pain. The journey to and from London is not that rewarding in terms of sights (partly because you are travelling too fast) *except* on the East Coast mainline north of York basically, and nort...
by Valuethinker
Sun Apr 13, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 1255

Re: Traveling by train in the UK for the firs time, help!

Professor Emeritus wrote:Compare everything to a Britrail flexible ticket. about 295 for 3 days or 360 fior 4 Rigid train tickets in the UK can be a real nightmare.


Very wise advice. When my relatives visit, they tend to use the passes.
by Valuethinker
Sun Apr 13, 2014 7:50 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 1255

Re: Traveling by train in the UK for the firs time, help!

I am planning a trip with my girlfriend to London and Scotland for this June. We have most things planned out except for modes of travel between our points of interest. Our itinerary is: London (Heathrow) -> Edinburgh -> Inverness -> Glasgow -> London. We were thinking of taking the train between a...
by Valuethinker
Sun Apr 13, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 1255

Re: REITS up (Still impossible to time the mkt)

Alright, I did a bit of research. REITs are often valued using their NAV. Basically, investors look to see if it costs more to buy a REIT than it would cost to directly buy the property that the REIT owns. Here is what the current NAV looks like for domestic REITs . http://www.snl.com/Images/RealEs...
by Valuethinker
Sun Apr 13, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: REITS up (Still impossible to time the mkt)
Replies: 13
Views: 1932
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