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Re: What about non-U.S. colleges?

A college degree is mainly used to impress future employers. What do you think most hiring managers will do when they receive a resume that includes a degree from a foreign institution that they have no knowledge of? Not to be snarky, but if the hiring manager hasn't heard of the schools mentioned ...
by Valuethinker
Wed Aug 27, 2014 5:45 am
 
Forum: Personal Finance (Not Investing)
Topic: What about non-U.S. colleges?
Replies: 19
Views: 1150

Re: What about non-U.S. colleges?

I can add if one wants to study business, that the European (undergrad) schools best famed for same are: Bocconi (Milan) St. Gallen (Switzerland, but with a lot of German kids) HEC (Paris) not sure re Spain or other countries. They all have very high academic standards. MBAs are uncommon in Europe, ...
by Valuethinker
Tue Aug 26, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: What about non-U.S. colleges?
Replies: 19
Views: 1150

Re: What about non-U.S. colleges?

No direct personal knowledge. What I had read about Latin America was that the public universities are not in good shape-- too many students, insufficient resources, very low tuition. So the elite tend to send their kids to private universities. Many Latin American cities have really serious crime p...
by Valuethinker
Tue Aug 26, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: What about non-U.S. colleges?
Replies: 19
Views: 1150

Re: What about non-U.S. colleges?

The International Baccalaureate Diploma Programme (IBDP) is a two-year educational programme primarily aimed at students aged 16–19. The program is one that provides an internationally accepted qualification for entry into higher education, and is accepted by many universities worldwide. It was dev...
by Valuethinker
Tue Aug 26, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: What about non-U.S. colleges?
Replies: 19
Views: 1150

Re: What about non-U.S. colleges?

Soooo…thinking ahead here for my two youngsters who are American and EU citizens. Anyone know how I can investigate non-US colleges for undergrad? Is it even an option if the kids have lived in the US their whole lives (and we haven't been paying into their tax system)? I'm also open to other count...
by Valuethinker
Tue Aug 26, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: What about non-U.S. colleges?
Replies: 19
Views: 1150

Re: What about non-U.S. colleges?

DS was looking at a Canadian School near Toronto (computer sciencee), However, it was the year that Canada did a double freshman cohort. DS did do US undergrad then MS at Toronto (computer science, full ride, not financial aid). He was HL-IB. Which was the right way to do it. BS U of T Comp Sci you...
by Valuethinker
Tue Aug 26, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: What about non-U.S. colleges?
Replies: 19
Views: 1150

Re: did I damage my fridge by leaving the door open for a we

I have a small refrigerator in my garage which I use to keep water, soft drinks and Gatorade. It has been in use for 32 years. The rubber door seals are old, The door has been partially left open many times in summer heat, perhaps for days...I don't know how much. It keeps going and going and going...
by Valuethinker
Tue Aug 26, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: did I damage my fridge by leaving the door open for a week?
Replies: 31
Views: 2613

Re: did I damage my fridge by leaving the door open for a we

http://www.energystar.gov/index.cfm?fus ... calculator

there is the calculator. Gives you an estimate of replacement savings pa.

Note you can type in model number.
by Valuethinker
Tue Aug 26, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: did I damage my fridge by leaving the door open for a week?
Replies: 31
Views: 2613

Re: did I damage my fridge by leaving the door open for a we

I have a small refrigerator in my garage which I use to keep water, soft drinks and Gatorade. It has been in use for 32 years. The rubber door seals are old, The door has been partially left open many times in summer heat, perhaps for days...I don't know how much. It keeps going and going and going...
by Valuethinker
Tue Aug 26, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: did I damage my fridge by leaving the door open for a week?
Replies: 31
Views: 2613

Re: What Book Are You Currently Reading? Part V

...Lady Geek has read The Star Beast -- and liked it. I agree it is probably his best juvenile (although consensus seems to favour 'Have Spacesuit will Travel' ). The Rolling Stones I thought was quite amusing, and a 'sequel' to The Moon is a Harsh Mistress (in that they share a character). Sorry, ...
by Valuethinker
Tue Aug 26, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3245
Views: 1102769

Re: What Book Are You Currently Reading? Part V

... I thought I would be following the timeline ( Robert A. Heinlein bibliography ) and equated this to a single series of novels. That didn't work out quite as I had planned... If, by timeline, you mean the "future history" plan, I don't think Heinlein did himself or his readers any grea...
by Valuethinker
Tue Aug 26, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3245
Views: 1102769

Re: did I damage my fridge by leaving the door open for a we

I have a small refrigerator in my garage which I use to keep water, soft drinks and Gatorade. It has been in use for 32 years. The rubber door seals are old, The door has been partially left open many times in summer heat, perhaps for days...I don't know how much. It keeps going and going and going...
by Valuethinker
Tue Aug 26, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: did I damage my fridge by leaving the door open for a week?
Replies: 31
Views: 2613

Re: When to leave a neighborhood for greener pastures?

Move now before the neighbourhood deteriorates further. Location, location, location. In 5 years time, you might not be able to sell the house to anyone.

Your prospective house may be a bit too expensive, although in the long run that won't matter so much. You want the better location.
by Valuethinker
Tue Aug 26, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: When to leave a neighborhood for greener pastures?
Replies: 25
Views: 2329

Re: What to do with individual stock I received?

Does it make sense to keep a significant portion of my investments in Colgate when I am otherwise completely invested in index funds (i.e., it's my only non-index investment)? I'm thinking the right approach might be to invest the dividends from Colgate into my other index funds, and just account f...
by Valuethinker
Tue Aug 26, 2014 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with individual stock I received?
Replies: 36
Views: 1377

Re: did I damage my fridge by leaving the door open for a we

When the DW and I bought our first home in 1980, we purchased the appliances, including a Whirlpool refrigerator from the previous owner. It was already a few years old. We took it with us when we later moved to a new home, but needed a bigger fridge for the kitchen, so we used it as an auxiliary f...
by Valuethinker
Mon Aug 25, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: did I damage my fridge by leaving the door open for a week?
Replies: 31
Views: 2613

Re: Why don't utilities get any praise

Why don't utilities get any praise Warren Buffet likes them Mike Buffett has said 2 things about this (at least): - he picks utilities with strong business franchises. Not for him buying the largest electricity company in America in a competitive market (Texas) which then went bust- -that was priva...
by Valuethinker
Mon Aug 25, 2014 11:25 am
 
Forum: Investing - Theory, News & General
Topic: Why don't utilities get any praise
Replies: 39
Views: 3662

Re: Should I fix a "totaled" car

Watty is right. The car could have very extensive hidden damage. Best to move on. I think this is probably the right advice. Sad when you lose a much loved car. They never quite 'fit' together again right, I don't think. Not after a wipeout. Glad you walked away in one piece. Thank the little car f...
by Valuethinker
Mon Aug 25, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: Should I fix a "totaled" car
Replies: 26
Views: 1716

Re: What Book Are You Currently Reading? Part V

Just finished "Still Life" by Louise Penny, a detective story set in a small village in Quebec. Good local color but the writing is uneven and the story is pretty average. Now reading "Night Soldiers" by Alan Furst. one of Furst's best. I don't think his later ones are as good a...
by Valuethinker
Mon Aug 25, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3245
Views: 1102769

Re: What 5 stocks can I own forever?

tadamsmar wrote:Invest in Alcor:

http://www.alcor.org


Lois McMaster Bujold's Cryoburn takes you to a world where suspended animation is the raison d'etre of the economy and society.

http://www.amazon.com/Cryoburn-Vorkosig ... 1451637500
by Valuethinker
Mon Aug 25, 2014 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4226

Re: What 5 stocks can I own forever?

Apple, Qualcomm, Monsanto, Medtronic, Nike. Apple is dependent mostly on a single product and Jobs is gone, Qualcomm and Monsanto are very patent dependent (for example Monsanto's biggest product is RoundUp Ready Soybeans the patent for which expires in 2015), Nike is in an intensely competitive ma...
by Valuethinker
Mon Aug 25, 2014 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4226

Re: What 5 stocks can I own forever?

While I agree that forever is a long time, recall that General Electric is the one and only company to be listed on the Dow 30 since 1926! Plus, with it's incredibly wide range and diverse businesses as well as strong management, it should be solid for a long time. GE was trading at 40 in 2007... I...
by Valuethinker
Mon Aug 25, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4226

Re: Why don't utilities get any praise

Bonds are a completely different investment. For credit risk free bonds, the safe return of principal is guaranteed, ditto the payment of coupon, Dividends are optional at the discretion of the shareholders on the recommendation of the directors. If the directors do not recommend a dividend, the sh...
by Valuethinker
Mon Aug 25, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Why don't utilities get any praise
Replies: 39
Views: 3662

Re: Why don't utilities get any praise

....It seems that common tilts are towards small cap, REIT, or health care.... I haven't heard of a tilt toward "health care." Although I continue to be a pigheaded closed-minded skeptic about tilts, versions of the "small-cap value tilt" are based on fairly respectable and long...
by Valuethinker
Mon Aug 25, 2014 8:21 am
 
Forum: Investing - Theory, News & General
Topic: Why don't utilities get any praise
Replies: 39
Views: 3662

Re: did I damage my fridge by leaving the door open for a we

Average lifespan of modern refrigerators is only 7 years. Yup. You read that right. Planned obsolesce at it's best. We found this out when calling for service on our appliances after 3 years. The units were actually 5 years old (left in a model unit for a couple years before we bought the place) an...
by Valuethinker
Mon Aug 25, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: did I damage my fridge by leaving the door open for a week?
Replies: 31
Views: 2613

Re: What Book Are You Currently Reading? Part V

Sixth Column Heinlein himself knew was a stinker. It's an early novel and JW Campbell, whose editorial opinions basically shaped what SF actually got published at that time, had racialistic views (before he fell in love with Scientology). As the novel is about an American revolt against 'Asian' (re...
by Valuethinker
Mon Aug 25, 2014 5:56 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3245
Views: 1102769

Re: What Book Are You Currently Reading? Part V

Sixth Column Heinlein himself knew was a stinker. Old novels/short stories need to be read with an appreciation of the views of the time (even if you - and I - don't condone them). It's actually rather interesting to read both All (Campbell's original) and Sixth Column because there were obviously ...
by Valuethinker
Mon Aug 25, 2014 5:50 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3245
Views: 1102769

Re: What Book Are You Currently Reading? Part V

I don't know if the original episode ' The Cage' is available anywhere. The Cage is pretty widely available. It's available on Netflix streaming free on Amazon Prime. Be sure to watch the pilot, not the episode made from it. Most of it was incorporated into the episode The Menagerie. Yes, which is ...
by Valuethinker
Mon Aug 25, 2014 5:50 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3245
Views: 1102769

Re: Earthquake Preparedness

For those pre Loma Prieta bay area residents, do you recall if real estate crashed or it had no impact on the market? Foreign resident. The picture is probably confused by the property slump that was going on in CA at the time? In most natural disasters of which I am aware, the impact on property m...
by Valuethinker
Mon Aug 25, 2014 5:48 am
 
Forum: Personal Consumer Issues
Topic: Earthquake Preparedness
Replies: 39
Views: 1943

Re: Which apartment to chose? (Bay Area)

"Find a place you want to live" is such simple advice, but it is really powerful. I think that's what I am going to do. . This is key. I cost myself careerwise and relationshipwise by being too cheap on housing (in London, a very expensive city, even then) and living with people who drove...
by Valuethinker
Sun Aug 24, 2014 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which apartment to chose? (Bay Area)
Replies: 13
Views: 1563

Re: Is it me, or are "collectibles" worthless in 2014?

Is it me, or are certain collectible/memorabilia items pretty much worthless now? My great uncle is in his late 80s and not doing well health-wise currently. He was a 747 Captain for Pan Am, and retired a couple of years before they went bust. He collected anything and everything, but his main coll...
by Valuethinker
Sun Aug 24, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 5781

Re: What Book Are You Currently Reading? Part V

Without giving away too much of the plot, the central character is an engineer who invents a household robot. The book title comes from his cat, Petronius, who on winter days insists on checking every exit door in the house in case there is one into summer. Since LG is an engineer, and knowing her ...
by Valuethinker
Sun Aug 24, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3245
Views: 1102769

Re: What Book Are You Currently Reading? Part V

I would certainly add it to anyone's Heinlein recommended list. But then I would exclude, amongst other things, Stranger (along with everything post MIaHM except possibly Friday , and Glory Road, Sixth Column , and possibly Farnham's Freehold ). A good list of stinkers. The irony is something like ...
by Valuethinker
Sun Aug 24, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3245
Views: 1102769

Re: Buy & Hold Forever Blue Chip Stocks???

British American Tobacco Imperial Tobacco Altria (ex Philip Morris cos?) Those would be my first pick (sorry I don't know US stock codes). Tobacco has been an extraordinary creator of shareholder value in the last 30 years. Now I have all sorts of reasons in my head why that might not continue, but...
by Valuethinker
Sun Aug 24, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3526

Re: What Book Are You Currently Reading? Part V

Fascinating, as I never considered that aspect. I am in full agreement. As Commander Data? Perhaps not. Tasha Yar? Most definitely.* I'd say 7 of 9 also fits. Captain Janeway, somewhat. I can't assert this is what caused Rodenberry to cast as he did. I have no idea if Rodenberry read Heinlein-- but...
by Valuethinker
Sun Aug 24, 2014 7:51 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3245
Views: 1102769

Re: What Book Are You Currently Reading? Part V

Fascinating, as I never considered that aspect. I am in full agreement. As Commander Data? Perhaps not. Tasha Yar? Most definitely.* I'd say 7 of 9 also fits. Captain Janeway, somewhat. Data is a created human, a Pinnochio character struggling to be a real boy. Spock, Data, Odo, 7 of Nine, there's ...
by Valuethinker
Sun Aug 24, 2014 7:38 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3245
Views: 1102769

Re: What Book Are You Currently Reading? Part V

When you panned Podkayne I was not surprised you didn't like Friday , which I would not have recommended. One not on Valuethinker's list is The Door into Summer , which is a fun rather than compelling read. [Attribution fixed by admin LadyGeek] I'd put Invasion of the Puppet Masters above that one ...
by Valuethinker
Sun Aug 24, 2014 7:20 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3245
Views: 1102769

Re: Which apartment to chose? (Bay Area)

Spent too much time in my 30s living with strange and annoying roomates (cleaning their rooms at midnight, TV watching etc.). It hurt my career and personal life. Don't live below your means just for the sake of it. You are doing well on the saving front, find another place to live you really like t...
by Valuethinker
Sun Aug 24, 2014 7:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Which apartment to chose? (Bay Area)
Replies: 13
Views: 1563

Re: What Book Are You Currently Reading? Part V

Friday , by Robert A. Heinlein. I already had it in paperback, so I thought it was worth a try. The opening was interesting, but then he dropped down to the stereotypical female attitudes that I despised in I Will Fear No Evil . I get the impression he's trying to modernize his views, but reverts w...
by Valuethinker
Sat Aug 23, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3245
Views: 1102769

Re: Is the Aggregate Index Too Heavy in Treasuries?

...Now it's another matter that TBM does not come close to representing the whole fixed income market... I believe it comes reasonably close to representing the whole investment grade fixed income market, which is what it bills itself as doing: This fund is designed to provide broad exposure to U.S...
by Valuethinker
Sat Aug 23, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Is the Aggregate Index Too Heavy in Treasuries?
Replies: 63
Views: 2780

Re: Is the Aggregate Index Too Heavy in Treasuries?

WIthin investment-grade bonds, the only glaringly obvious omissions are municipals, which are something like 10% of the market, and TIPS, which are something like 3-4%. So I think it represents 85% of the total investment-grade market, which is more than the S&P represents in the stock market. ...
by Valuethinker
Sat Aug 23, 2014 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: Is the Aggregate Index Too Heavy in Treasuries?
Replies: 63
Views: 2780

Re: Currency risk for australian investor

Just on currency risk as an Australian there are a couple of big factors: - when the AUD falls, usually because of lower commodity prices, then Australia gets hurt. The cost of imported goods and foreign travel goes straight up. They don't make cars in Oz any more! So it's good to have a portfolio i...
by Valuethinker
Sat Aug 23, 2014 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Currency risk for australian investor
Replies: 6
Views: 393

Re: Why don't utilities get any praise

Valuethinker makes great points which I will try to embellish. Year after year, the cost of solar goes down. Year after year, the cost of utility power in California goes up. Southern California Edison is investing $4B/year to shore up its transmission and distribution infrastructure; basically rep...
by Valuethinker
Sat Aug 23, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: Why don't utilities get any praise
Replies: 39
Views: 3662

Re: Why don't utilities get any praise

I don't understand either. I've been pushing utilities on Bogleheads. I am getting 4% dividends and targeting 6-8% annual total return, in my regulated gas utility. And yes, I time the purchases/sells. I don't do bonds-Too much national politics, Too much Geo-politics, Too much Wars, Too much tax m...
by Valuethinker
Sat Aug 23, 2014 11:09 am
 
Forum: Investing - Theory, News & General
Topic: Why don't utilities get any praise
Replies: 39
Views: 3662

Re: Why don't utilities get any praise

^ which is why I don't like or buy Electrics. I am always amazed when we have transitioned from incandescent lighting to CFL in 20 years, and now transitioning to LED. Electric Power and Light use, is flat to declining even in areas of high growth. Part of that is the recession. However even countr...
by Valuethinker
Sat Aug 23, 2014 11:04 am
 
Forum: Investing - Theory, News & General
Topic: Why don't utilities get any praise
Replies: 39
Views: 3662

Re: Why don't utilities get any praise

Dividends are optional at the discretion of the shareholders on the recommendation of the directors. . Where did you come up with this idea? Directors declare dividends, not shareholders Gill Is US corporate governance different? In the UK, the directors write to the shareholders proposing a divide...
by Valuethinker
Sat Aug 23, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: Why don't utilities get any praise
Replies: 39
Views: 3662

Re: How Do Rising Interest Rates Affect Stock Prices?

The usual argument is that rising interest rates mean higher borrowing costs for corporations, which leads to lower profit margins, then lower corporate earnings and stock prices. But looking at the chart below, it doesn't appear that this a direct, straight line, cause-and-effect relationship. Ins...
by Valuethinker
Sat Aug 23, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: How Do Rising Interest Rates Affect Stock Prices?
Replies: 5
Views: 769

Re: Daily Telegraph: World War One Archive

The are a few good articles in the Brooklyn Daily Eagle, Sunday, August 23, 1914 Headline on page 1 - FIRST PITCHED BATTLE ON--200,000 ENGAGED Why Germany Went to War There's a good article on page 6, by Edgar Stanton MacClay, about why the Germans went to war. It all boils down to simple arithmeti...
by Valuethinker
Sat Aug 23, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 95
Views: 6849

Re: Which Vanguard BOND Fund ?

Good afternoon all. I have 20% of my (retirement) money in Vanguards Intermediate-Term Investment Grade Bond Fund (VFIDX) Admiral Shares 3 Year - Average Annual Performance 5.40% but, I see Vanguard also has a Intermediate-Term Corporate Bond Index (VICSX) Admiral Shares 3 Year - Average Annual Per...
by Valuethinker
Fri Aug 22, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3138

Re: Which Vanguard BOND Fund ?

Both are good funds. Other than the purchase fee, the corporate fund index per M* has an avarage credit quality of BBB while the other is A, and M* considers it more risky than the Investment Grade. Moreover, the duration of the corporate index fund is 6.5 while the other is 5.3- which makes the co...
by Valuethinker
Fri Aug 22, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3138
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