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Re: Vanguard HealthCare Fund

Obamacare / the government will keep throwing money at Healthcare of the foreseeable future regardless of circumstance. I dont see how this can hurt a fund like this. I'm staying in for the time being You may have noticed that US healthcare cost growth has slowed down dramatically? http://www.brook...
by Valuethinker
Mon Mar 30, 2015 11:34 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 61
Views: 5225

Re: Vanguard HealthCare Fund

When I started with Vanguard, I sold my 3 or so pharm stocks and made Vanguard Healthcare VGHAX 10% of my holdings. Healthcare is a racket, not really a competitive sector by any Economic standard. Owning the fund is also a hedge against rising healthcare costs in retirement. I figure if the racket...
by Valuethinker
Mon Mar 30, 2015 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 61
Views: 5225

Re: Vanguard HealthCare Fund

Vanguard HealthCare was one of the first funds I bought when moving my investments to Vanguard in 1998. It has been very good to me. I kept hearing arguments that it was overpriced, the value is already priced in and it's very risky. However, it was my observation that health care is not subject to...
by Valuethinker
Mon Mar 30, 2015 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 61
Views: 5225

Re: Hate where we live, do we make major changes?

Since we all know that nirvana doesn't exit, we're usually just trading one set of issues for a different set of issues. I suppose the key would be whether the other set of issues would sit better with you than the ones you currently have. That said, I'm very familiar with both upstate NY and Virgi...
by Valuethinker
Mon Mar 30, 2015 10:22 am
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 80
Views: 5299

Re: Hate where we live, do we make major changes?

For those stuck in dreary locations, here is a map showing where you are now and where should move to escape. 8-) http://www.dispatch.com/content/graphics/2015/03/26/gray-days.jpg?__scale=w:300,h:375 http://us-climate.blogspot.com/2015/03/dreary-weather.html Riverside, Bakerfield, El Paso, Henderso...
by Valuethinker
Mon Mar 30, 2015 10:20 am
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 80
Views: 5299

Re: Hate where we live, do we make major changes?

1) Stay here, keep banking $, and retire when she is 58 with full pension and more than enough $$ to last us going forward. 2) Split the difference and stay here for 8 years and bank everything we can, at which time we'll both quit when daughter graduates, leave for an area we love, and either I fi...
by Valuethinker
Mon Mar 30, 2015 10:14 am
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 80
Views: 5299

Re: Hate where we live, do we make major changes?

It has been super-cold recently for the east coast and record heat for the west. Not very typical weather. http://www.ncdc.noaa.gov/sotc/service/global/map-percentile-mntp/201502.gif We don't know what is weather and what is longer shifts. The state of scientific knowledge is not great enough to as...
by Valuethinker
Mon Mar 30, 2015 10:10 am
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 80
Views: 5299

Re: REIT Mechanics- Help Understanding

Hi All. I am wondering how one particular REIT that I own is able to stay in business. I bought MPW (a health care REIT, owning and renting out nursing homes and hospitals) about six years ago, right at the bottom, when it was paying a 17% dividend. I knew this was a risky bet, but I was not commit...
by Valuethinker
Mon Mar 30, 2015 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: REIT Mechanics- Help Understanding
Replies: 6
Views: 658

Re: New Furnace & A/C Unit

My sincerest thanks to all who answered and gave me excellent points to consider. It is amazing in what the vendors have done with variable speed motors, multi-stage gas valves, Hi-SEER A/C units, etc, etc.... It is really amazing what the industry is doing. BTW, planning on staying in the house fo...
by Valuethinker
Mon Mar 30, 2015 4:31 am
 
Forum: Personal Consumer Issues
Topic: New Furnace & A/C Unit
Replies: 29
Views: 2521

Re: REIT Mechanics- Help Understanding

Hi All. I am wondering how one particular REIT that I own is able to stay in business. I bought MPW (a health care REIT, owning and renting out nursing homes and hospitals) about six years ago, right at the bottom, when it was paying a 17% dividend. I knew this was a risky bet, but I was not commit...
by Valuethinker
Mon Mar 30, 2015 4:31 am
 
Forum: Investing - Help with Personal Investments
Topic: REIT Mechanics- Help Understanding
Replies: 6
Views: 658

Re: REIT Mechanics- Help Understanding

As long as not everyone cashes out their holdings at once, and there is an influx of new investors there may be just enough cash flow to keep paying out dividends. In other words, it may or not be sustainable long term. lafder In a REIT structure, there is a fixed share capital unless there is an i...
by Valuethinker
Mon Mar 30, 2015 4:28 am
 
Forum: Investing - Help with Personal Investments
Topic: REIT Mechanics- Help Understanding
Replies: 6
Views: 658

Re: Buying a house, not new, what to look for/wish you had

I never thought of something like this but make sure you can get cable/internet access. See this horror story and don't just take the company's word for it. http://www.philly.com/philly/blogs/trending/Washington-man-forced-to-sell-new-home-over-Comcast-blunder.html Even if not now, one should proba...
by Valuethinker
Sun Mar 29, 2015 11:18 am
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1834

Re: Buying a house, not new, what to look for/wish you had

live in WI. We want quality build materials but when we start looking at homes with more quality features, they climb up to 4-5k sq ft or more, and it just seems like a waste of space and extra maintenance money, being a bit bogleheadish. Stezy OK. Is this structural stuff? Then it's an issue . My ...
by Valuethinker
Sun Mar 29, 2015 11:16 am
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1834

Re: Hate where we live, do we make major changes?

I actually had a headhunter call me about a job opp. in Maitland, Fl. I think FL is going from one extreme to the other for us. We looked at the temp there last week and it was 88...in March...yikes. I live in an area that was found to be the "most dreary" and tied Seattle for that honor,...
by Valuethinker
Sun Mar 29, 2015 11:08 am
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 80
Views: 5299

Re: Hate where we live, do we make major changes?

JV wrote:I also wonder, if we are considering pulling the trigger on this within 1-2 years, if I should back off maxing her 403b so I can add to my liquidity to cover moving expenses, new home downpayment, etc.


In a word - yes. Moving has big costs.
by Valuethinker
Sun Mar 29, 2015 11:05 am
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 80
Views: 5299

Re: Hate where we live, do we make major changes?

Thanks for your heartfelt replies. I posted here to get some different perspectives on my situation. I don't have many folks I can run this by, especially our small family up here. It's difficult to walk away from a pension (we'd be able to collect a partial depending on when she quits), and leavin...
by Valuethinker
Sun Mar 29, 2015 11:04 am
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 80
Views: 5299

Re: New Furnace & A/C Unit

OP, where do you live? Minneapolis, MN How many months of cooling? 4-5 mos How many months of heating? 5-6 mos OK you are in a good zone to save operating costs. What efficiency is current unit? What would next unit be? In the 70s % range. SEER of A/C 6-9? 95% to 97%/highest I can get Sounds realis...
by Valuethinker
Sun Mar 29, 2015 10:54 am
 
Forum: Personal Consumer Issues
Topic: New Furnace & A/C Unit
Replies: 29
Views: 2521

Re: What Book Are You Currently Reading? Part VI

"The Things They Carried" by Tim O'Brien http://www.npr.org/player/v2/mediaPlayer.html?action=1&t=1&islist=false&id=125128156&m=125128146 In my collection of Vietnam War reading, O'Brien is definitely towards the surreal/ literary -- Going after Cacciato (sp?) etc. TTTC is...
by Valuethinker
Sun Mar 29, 2015 10:04 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 579
Views: 80027

Re: Buying a house, not new, what to look for/wish you had

Keeping it simple, I'd focus on several things: 1) Location - narrow the neighborhoods you are interested down to a manageable group based on commute time, public schools, and other amenities. 2) Initial walk through - Look for a house that has the basics of what you desire (number of bedrooms/bath...
by Valuethinker
Sun Mar 29, 2015 9:54 am
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1834

Re: Buying a house, not new, what to look for/wish you had

Hey all, Long time reader, first time poster here, usually I just sit back and soak up the knowledge. Anyways... The Mrs. and I are looking to move into our "Forever" home, or more the one we plan on staying in if all works out for 15-20 years. I have seen many threads about what to build...
by Valuethinker
Sun Mar 29, 2015 9:53 am
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1834

Re: Is BND really safe?

I'm doing a little AA adjusting. Looking at a more conservative 60/40 stock/bond allocation. Question is, is BND really all that safe right now? I'm almost ready to stay heavier in stocks, (index of course) Currently sitting at a 80/20 AA. Guardyourheart. If BND goes down on an interest rate rise i...
by Valuethinker
Sun Mar 29, 2015 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Is BND really safe?
Replies: 12
Views: 1522

Re: My Term Life Insurance

- disability is as important if not more important than life insurance-- first priority . You need a policy aimed at doctors. If you can't perform as a surgeon there's a possibility post disabling event or condition that you could work as a clinician and that should to some extent reduce your premiu...
by Valuethinker
Sun Mar 29, 2015 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: My Term Life Insurance
Replies: 28
Views: 1970

Re: My Term Life Insurance

I'll start off by saying that I haven't signed on the dotted line yet. After reading WCI, I know not to buy any permutation of whole life insurance. Some stats on me: 25 y/o, married, no kids. 3rd year medical student on military scholarship. I went to term4sale.com and got a quote for a 3M 30 year...
by Valuethinker
Sat Mar 28, 2015 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Term Life Insurance
Replies: 28
Views: 1970

Re: Building a new house. Any recommendations?

Square footage drives cost. So the advice to go for quality over square footage is good. As well as all the advice about plan for the day when someone is in a wheelchair. Storage probably matters more than size of rooms - the advice to plan for lots of storage is very true- -that's where the extra s...
by Valuethinker
Sat Mar 28, 2015 10:51 am
 
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 48
Views: 4020

Re: Building a new house. Any recommendations?

Hi, I'm going to be building a house in a new neighborhood in a town that I've lived in for the past 4 years. The town has great schools and good property values and the housing market tends to do very well, even during the down times. This is my 3rd house that I will have owned, so I've learned a ...
by Valuethinker
Sat Mar 28, 2015 8:30 am
 
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 48
Views: 4020

Re: Tesla S

You see them everywhere here in Silicon Valley. Someone told me it's the #1 seller in Atherton (a well-heeled mid-peninsula suburb). No question the cars are sexy as hell, and incredible to drive (so I'm told) with amazing acceleration. 5. Cost - for a lot less you can have the electric RAV-4 from ...
by Valuethinker
Fri Mar 27, 2015 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 634
Views: 78337

Re: New Furnace & A/C Unit

I am starting to consider replacing our Natural Gas forced air unit including central air. Unit is over 25 years old and working fine(Lennox System), but I know the efficiency is nothing close to the new high efficiency systems. I have checked into local electrical & gas rebate programs. Any co...
by Valuethinker
Thu Mar 26, 2015 6:50 pm
 
Forum: Personal Consumer Issues
Topic: New Furnace & A/C Unit
Replies: 29
Views: 2521

Re: New Furnace & A/C Unit

We had our AC and furnace replaced last fall with a high-efficiency model. Our old unit was acting up, so it needed to be replaced anyway. But this winter we've seen NO discernible difference in gas usage this year from last. Our gas company shows us a 3 year comparison, even adjusted for outside t...
by Valuethinker
Thu Mar 26, 2015 6:27 pm
 
Forum: Personal Consumer Issues
Topic: New Furnace & A/C Unit
Replies: 29
Views: 2521

Re: Biotechnology to buy and hold or not

IBB is down about 10% since last week. Profit-taking ahead of tax time? A wee breather? Or an omen? Anyway, very sage advice, @Valuethinker. Here is the counterargument. The sector is much more mature than it was in the early 2000s/ late 1990s. Real companies producing real drugs. The market unders...
by Valuethinker
Thu Mar 26, 2015 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Biotechnology to buy and hold or not
Replies: 15
Views: 1408

Re: New Furnace & A/C Unit

I am for having very efficient kit. Certainly on the AC side, there are big efficiency gains to be had. An old system might have been SEER 8 when it was installed and is now running at SEER 6? I think the law now says SEER 12 (or 13?) and 14-15 is a reasonable number to shoot for. When you do replac...
by Valuethinker
Thu Mar 26, 2015 12:21 pm
 
Forum: Personal Consumer Issues
Topic: New Furnace & A/C Unit
Replies: 29
Views: 2521

Re: Keep Cash in Yuan?

I'm really thinking about the future and that just maybe the Chinese Yuan may become the world's reserve currency the same way that the previous reserve currency, the GBP gave way to the USD. In my home country, Costa Rica, we can have regular bank accounts in CRC, USD, and Euros. We keep everythin...
by Valuethinker
Thu Mar 26, 2015 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: Keep Cash in Yuan?
Replies: 10
Views: 1122

Re: Keep Cash in Yuan?

If you read Barry Eichengreen's history of the dollar (Exorbitant Privilege) and comparisons with the pound (until 1914, the 'dollar' of international finance) I think one can learn alot. Conclusions: - a country can cease to be predominant (as GB did) and yet its currency can remain the numeraire c...
by Valuethinker
Thu Mar 26, 2015 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: Keep Cash in Yuan?
Replies: 10
Views: 1122

Re: R.I.P. George-J

Norbert Thank you for letting me know. I had a chance to meet George for the first time during my last visit to T'ranna. A true gentleman and a man of great insight and thought. I remember some of his legendary battles with the University of Toronto Administration-- on the supercomputer and on the p...
by Valuethinker
Thu Mar 26, 2015 12:02 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: R.I.P. George-J
Replies: 4
Views: 1874

Re: Biotechnology to buy and hold or not

I lost a lot of money investing in biotech ... once. The thing to understand is these are basically virtual companies. They outsource *everything* but their core R&D function. And very few of them ever make any money, they just spend it. If they get a drug through Stage 3 approvals with the FDA ...
by Valuethinker
Wed Mar 25, 2015 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Biotechnology to buy and hold or not
Replies: 15
Views: 1408

Re: Best albums of 2015

There are only three kinds of music in the world: AC/DC, Led Zeppelin, and ZZ Top! Just thought I'd throw that out there :D Spotify just released a remastered Physical Graffiti. I have never been a fan of Zeppelin but will give it a listen. (in the 70s, I was more of a Clash, Elvis Costello, Sex Pi...
by Valuethinker
Tue Mar 24, 2015 11:13 am
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3810

Re: Best albums of 2015

My favorite so far: Kendrick Lamar's, To Pimp a Buttterfly . Here's my favorite track, King Kunta : (EXPLICIT LYRICS!!!!) https://www.youtube.com/watch?v=bSEtYNOgWKY I confess to having really liked Taylor Swift's '1989'. Which was both the most popular album of 2014 and aimed at a demographic 1/3r...
by Valuethinker
Tue Mar 24, 2015 11:10 am
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3810

Re: Does an electric car make sense for commuting?

I've been enjoying solo HOV access since 2012 in my Prius PHEV. Echoing others, I will never go back to a traditional gas engined vehicle. In fact, the government financed my purchase for the first 6 months or so. I received a total of $4000 in rebates. Since it was the end of the year, I was able ...
by Valuethinker
Tue Mar 24, 2015 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Does an electric car make sense for commuting?
Replies: 22
Views: 2474

Re: Best ways to save on electricity bill

You can buy a special meter that plugs into an outlet and the plug the device into the meter. http://www.amazon.com/P3-P4400-Electricity-Usage-Monitor/dp/B00009MDBU I did that a few years back and here's what I got after leaving the device plugged in for few days (admittedly unscientific, but close...
by Valuethinker
Tue Mar 24, 2015 10:57 am
 
Forum: Personal Consumer Issues
Topic: Best ways to save on electricity bill
Replies: 58
Views: 6990

Re: Best ways to save on electricity bill

Hi Hug401k, i am in midwest area. It was cold, but robe/ microfleece/ slipper along with electronic blanket do well.. I don't know where you live, but it's important. If you live in the Northeast, $212 total for electric and heat in February is very good. Mine was more and I think my house is small...
by Valuethinker
Tue Mar 24, 2015 7:34 am
 
Forum: Personal Consumer Issues
Topic: Best ways to save on electricity bill
Replies: 58
Views: 6990

Re: Sell farmland or keep?

given the costs of farmland, the volatility, the fact that there is no family connection, I would discuss it with the renter about his feelings, but I would sell.

Better to have cash in the hand and in liquid investable assets like stocks and bonds.
by Valuethinker
Tue Mar 24, 2015 5:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Sell farmland or keep?
Replies: 16
Views: 1393

Re: Economist Article on role of government bonds

Rates have fallen from, what 15% or thereabouts since the 80s. A 30-odd year tailwind for bond investors . Even if rates go up slowly from this point, you've got almost no room left for price gains and potential capital losses offset by historically low coupons. F unny thing about that 30-odd year ...
by Valuethinker
Tue Mar 24, 2015 5:07 am
 
Forum: Investing - Theory, News & General
Topic: Economist Article on role of government bonds
Replies: 11
Views: 1640

Re: Does an electric car make sense for commuting?

Seems to me a key concern here is High Occupancy Vehicle lane? I believe in California that hybrids are no longer eligible? Are PHEVs? As MD drivers click into this, they will restrict it, probably to pure electric cars only (prediction, not certainty and predictions are worth (less) than what you p...
by Valuethinker
Tue Mar 24, 2015 5:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Does an electric car make sense for commuting?
Replies: 22
Views: 2474

Re: Does an electric car make sense for commuting?

Nobody here has brought up the environmental aspect of an EV. The trouble with EV's is that they are 100% carbon free only when the electricity is coming from something other than coal, gas, or oil fired plants. Since our electric grid is all tied together, if you are charging it from the grid, you...
by Valuethinker
Mon Mar 23, 2015 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does an electric car make sense for commuting?
Replies: 22
Views: 2474

Re: Foreign stocks/bonds may be less beneficial for retirees

Read a thought-provoking commentary recently which argues that international diversification may be detrimental for retirees who are taking income withdrawals from their investment portfolios. Diversifying internationally may be more beneficial for investors who are accumulating, for the same reaso...
by Valuethinker
Mon Mar 23, 2015 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Foreign stocks/bonds may be less beneficial for retirees
Replies: 26
Views: 2325

Re: Whats a good Pistol to buy?

If your travels take you into Canada, do your homework. Here's a page from the US Embassy in Canada on Bringing Weapons into Canada: http://canada.usembassy.gov/traveling_to_canada/bringing-weapons-into-canada.html Here's a link to a page at Canada Border Services Agency: http://www.cbsa-asfc.gc.ca...
by Valuethinker
Mon Mar 23, 2015 9:31 am
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7820

Re: Whats a good Pistol to buy?

The OP has received a lot of good advice regarding getting training and learning the local laws. Here's my $0.02 on this subject...the conventional wisdom is that new shooters should always start on revolvers, but I have found this to not be universally true. I have experience helping multiple new ...
by Valuethinker
Mon Mar 23, 2015 9:27 am
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7820

Re: Economist Article on role of government bonds

What this is saying is that high quality government bonds in particular (Treasuries, Bunds, Gilts) are often the beneficiary of a "flight to safety" in times of financial turmoil, beyond even the fact that bonds in general are less volatile than stocks. Hint: what was the one asset class ...
by Valuethinker
Mon Mar 23, 2015 9:16 am
 
Forum: Investing - Theory, News & General
Topic: Economist Article on role of government bonds
Replies: 11
Views: 1640

Re: Does an electric car make sense for commuting?

Hi Everyone, For some reason I am getting tempted by electric cars. My commute is about 30 miles roundtrip. I am intrigued by the $7,500 fed tax credit. I live in MD and believe there may be some other advantages (HOV lane, sales tax credit, and charging station tax incentive). The main choices are...
by Valuethinker
Mon Mar 23, 2015 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Does an electric car make sense for commuting?
Replies: 22
Views: 2474

Re: Buying Canadian Currency

You can't predict currencies. My view is the CAD is going to fall against the USD (more CAD per USD) as the Chinese thing gets worse and the realities of the Vancouver and Toronto housing bubble sink in, and the Bank of Canada cuts interest rates to fight recession. The one sure way to stimulate the...
by Valuethinker
Mon Mar 23, 2015 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying Canadian Currency
Replies: 4
Views: 368

Re: Any situations car leasing makes sense?

The main reason to lease seems to be an inability to afford a car of that class? ie you'd have to raise a car loan (and maybe you can't do that given other debts) or cash that you don't have? So it's about having a car nicer than you could otherwise afford OR having a car at all? On 'new fangled' ca...
by Valuethinker
Mon Mar 23, 2015 4:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 5046
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