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Re: No advantage of Slice and Dice vs 3Fund?

A 1% higher annual return over 40 years can increase your retirement account by about 33%, according to Vanguard . So if slice and dice can capture an extra 1% annually over the 3-fund portfolio, a $3 million 3-fund portfolio would have been a $4 million slice and dice portfolio. That being said, I ...
by William4u
Mon Sep 01, 2014 11:58 am
 
Forum: Investing - Theory, News & General
Topic: No advantage of Slice and Dice vs 3Fund?
Replies: 41
Views: 2532

Re: My husband's " WILL", $ left for me to live on....

Frankly this whole thing is beyond insane. Agreed. But it is also important to remember just how COMMON this scenario really is. There are so many emotions and taboos involved in family finances and death that many people find themselves in this kind of situation. I think it might be useful for the...
by William4u
Fri Aug 29, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16935

Re: My husband's " WILL", $ left for me to live on....

Unfortunately, given the husband's unwillingness to communicate, and the wife's unwillingness to confront him on this, the truth may not come out until he is dead. I was thinking the same thing. I have had friends who only found out about their financial situation after their spouse either died or ...
by William4u
Fri Aug 29, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16935

Re: When can you afford a $200K depreciating asset?

I'd say there is only one way to spend obscene amounts of money on depreciating assets that comes with huge rewards...

The Life You Could Save

http://www.thelifeyoucansave.org/
by William4u
Wed Aug 27, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: When can you afford a $200K depreciating asset?
Replies: 11
Views: 1154

Re: Telling my friends I paid off my house was a mistake.

I keep my mouth shut. I know my friends and neighbors have fancy boats and cars and new kitchens and plenty of debt... new BMW every 3 years, new house in the "better neighborhood" a mile away every 6 years, etc. I had a friend tell me that he spent almost as much on remodeling his house a...
by William4u
Mon Aug 25, 2014 11:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10158

Re: What if there were only index funds?

As I mentioned in another thread, I have NO fear, ZERO, that indexing will ever get too big, such that active management would be a better alternative than indexing for any particular asset class. Even if 90% of all assets were held in indexed mutual funds, I feel the prices would be fairly set by ...
by William4u
Mon Aug 25, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: What if there were only index funds?
Replies: 23
Views: 2091

Re: What if there were only index funds?

You can Index to any metric. BH-style indexes are cap-weighted and need the market to determine the price. Alternative methods, like RAFI or similar indexes tracking fundamentals, would avoid the issue William4u pointed out. I speculate in a Index only world, the metric for indexing would not be ca...
by William4u
Mon Aug 25, 2014 1:16 am
 
Forum: Investing - Theory, News & General
Topic: What if there were only index funds?
Replies: 23
Views: 2091

Re: What 5 stocks can I own forever?

IMHO the "Dividend" = "Yield" ="Income Strategy" is a mistake, for many of the reasons Larry Swedroe gives... Why Chasing Dividends is a Mistake by Larry Swedroe "Total Returns" is a better strategy. The argument against dividends was penned by Warren Buffett ...
by William4u
Sun Aug 24, 2014 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4433

Re: What if there were only index funds?

If there was only the "Total market" index fund, the market would become inefficient pretty fast. Imagine back when Apple stock was cheap and Eastman Kodak stock was expensive. If the only way to buy those stocks back then was through one total index fund, their relative values would be th...
by William4u
Sun Aug 24, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: What if there were only index funds?
Replies: 23
Views: 2091

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

...I must *confess* that I was burned with GE using the same approach during the 2008 collapse... Good. Please think very hard about that. GE is a perfect example of the blue-chip fantasy. Circa 1999 People said "GE is like mutual fund." Globally diversified. Sector diversified. In thirty...
by William4u
Sun Aug 24, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3857

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

I would buy and hold VTI (Vanguard Total Index, which tracks the entire US stock market) instead. 80% of the market is the S&P 500, of which many are blue chip stocks. This would lower costs and increase diversification. I would strongly recommend you read this... http://www.bogleheads.org/wiki/...
by William4u
Sun Aug 24, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3857

Re: 2014/2015 Honda Accord vs. 2014 Toyota Avalon

This compares how fast the hybrid version pays you back over the regular version of the car. The hybrid Avalon pays back fast over the price of a regular Avalon.


Image
by William4u
Fri Aug 22, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 52
Views: 3980

Re: which engine and transmission options to choose for Taco

white_water wrote:Absolutly get the studded snow tires if your locality permits.


The non-studded winter tire technology has improved dramatically over the last decade, so much so that studded tires are not needed anymore except for extreme situations.

Winter Tyres or 4x4: which is best?
by William4u
Thu Aug 21, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 37
Views: 1514

Re: which engine and transmission options to choose for Taco

Irrelevant. The most important need is proper snow/ice tires. Any engine will get you moving. 4wd does not help you move or stop. +1 Winter tires trump everything else in terms of importance for safety in winter, snow, and ice. There is no substitute. Check out Consumer Reports. Stopping distance i...
by William4u
Thu Aug 21, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 37
Views: 1514

Re: Driving Trip Planning

We do similar long car rides regularly. I just do the google map and when it says that the trip is 24 hours total, I just divide the trip into 4 sections. I then just eyeball the three areas that we will stop in to spend the night. If one of the areas is close to a close friend or family, I will cal...
by William4u
Thu Aug 21, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1639

Re: Company car versus personal car for business

You say that you really have no need for the Maxima. It is losing value every day you own it, and you don't need it, so the only way forward is to sell it at market value (and that is the amount someone is actually willing to pay for it now). It is common to hold onto a loss, but in this case it jus...
by William4u
Thu Aug 21, 2014 1:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Company car versus personal car for business
Replies: 9
Views: 1037

Re: Is PIMCO Bond fund 50% cash?

My impression is that PIMCO Total Bond Fund not only has a higher ER (0.46%) than Vanguard Total Bond Fund (0.08% for Admiral), but is much more risky than Vanguard Total Bond Fund. PIMCO's expected return is higher because its risks are higher. It is more like a stock-bond blend fund in its risk pr...
by William4u
Wed Aug 20, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is PIMCO Bond fund 50% cash?
Replies: 26
Views: 2889

Re: How Much Did You Lose Today?

I expect that the stock market will drop significantly eventually. I also expect that staying the course with my IPS over the next few decades is the best policy.
by William4u
Tue Aug 19, 2014 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14174

Re: Mississippi wins!

Developing countries are much, much cheaper to live in. $100 goes a long way in many developing countries, where a typical wage for many workers can be $2/day. I think this is mostly an indication of how much more Mississippi is like a developing country than other states in the U.S. It is a sad thi...
by William4u
Tue Aug 19, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mississippi wins!
Replies: 14
Views: 1852

Re: So am I a terrible father? [inheritance question]

One thought: your RMDs will likely force you to take most of the money out of the TIRA, so you might as well convert to a Roth while you can.
by William4u
Mon Aug 18, 2014 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: So am I a terrible father? [inheritance question]
Replies: 31
Views: 4456

Re: Shiller: "U.S. stocks are very expensive"

Already a thread on Shiller's article that was published yesterday in the NYTimes...

viewtopic.php?f=10&t=144987&newpost=2158317
by William4u
Mon Aug 18, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller: "U.S. stocks are very expensive"
Replies: 4
Views: 955

Re: Verizon to Page Plus - documenting my experience

Wife and I ported directly on the PagePlus website, and use callingmart.com for the $80 refills that last a year. It works well and saves a lot.
by William4u
Mon Aug 18, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 43
Views: 5233

Re: Increasing Bond Holdings/International Equities

Personally, I wouldn't change a thing for now. You have build a very well balanced portfolio. Your bond allocation is within reason, and your 401k only has one good fund (and you are 100% in that fund there, as I would be as well) and no decent bond funds at all. I too would make my IRA 100% bond in...
by William4u
Sun Aug 17, 2014 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Increasing Bond Holdings/International Equities
Replies: 7
Views: 821

Re: Is buying two SUVs a sane/good financial move?

Berntson, that is an interesting chart. This one (from your previous post) is good too..

Image
by William4u
Sun Aug 17, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 3722

Re: Spouse not ready to cut ties with financial advisers

Ben Stein was interviewed recently, and he said that in investing he made all the mistakes in the book. He said... “You know something, it’s interesting, the data about how much better you do just buying the indexes as compared to trying to pick stocks has only become really overwhelming in about th...
by William4u
Sun Aug 17, 2014 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 8736

Re: When is a 3.75% load worth it?

Cherry picking outliers is as old as dirt. It is like saying "Bill Gates dropped out of college and made billions, so the way to make billions is to drop out of college."

The long-term large-n studies show a different picture for active funds.
by William4u
Sun Aug 17, 2014 8:56 pm
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5272

Re: Is buying two SUVs a sane/good financial move?

I will reiterate some of the earlier advice: 1. Taking a driving course could increase safety more than any other single change. 2. The newer (2012 or newer) cars have significantly improved their safety features. Electronic Stability Control (ESC) alone reduces fatality risks by more than a third ...
by William4u
Sun Aug 17, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 3722

Re: Spouse not ready to cut ties with financial advisers

First , with the front loads, the advisory fees, and the high ERs, lets say your 2-man team is losing 3% annually vs. the lauded Vanguard 3-Fund Portfolio . So assume the two portfolios have identical annual returns EXCLUDING FEES. So, with fees, the 2-man team portfolio makes 3% less annually. Thi...
by William4u
Sun Aug 17, 2014 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 8736

Re: Savings Percentage [rules of thumb]

How is it possible to save 60% of your gross? It is possible for us as well. The house is paid off. We live off of about 75% of one of our two salaries. Saving 60% is pretty easy for us. If we had kids still in the house or a mortgage, it would certainly be less (20-30% is a good thing to shoot for...
by William4u
Sun Aug 17, 2014 12:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Savings Percentage [rules of thumb]
Replies: 49
Views: 5366

Re: Is buying two SUVs a sane/good financial move?

I will reiterate some of the earlier advice: 1. Taking a driving course could increase safety more than any other single change. 2. The newer (2012 or newer) cars have significantly improved their safety features. Electronic Stability Control (ESC) alone reduces fatality risks by more than a third ....
by William4u
Sat Aug 16, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 3722

Re: Vanguard eliminates fee on FTSE All-World ex-US Small-Ca

freddie wrote:Next step is admiral shares. Get that ER down to .2 and I might have to think about sell my international explorer in my IRA.


Me too.
by William4u
Sat Aug 16, 2014 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard eliminates fee on FTSE All-World ex-US Small-Cap
Replies: 35
Views: 5155

Re: How would the super wealthy use Credit Unions?

Credit Unions function just like banks, but are not-for-profit and owned by the depositors. How would this be an issue for CUs more than banks? Super wealthy people have unique needs that many banks would also struggle to accommodate, I imagine.
by William4u
Sat Aug 16, 2014 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: How would the super wealthy use Credit Unions?
Replies: 11
Views: 1459

Re: Pressure Cookers?

I have a Fagor 10 quart model I bought on amazon a few years ago. Superb piece of stainless steel kitchen technology made in Spain. But not cheap. I use it for a variety of beans, roasts, and stews. Basically anything one might cook in 8 hours in a slow cooker can be done in 20 minutes in a pressur...
by William4u
Sat Aug 16, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3286

Re: Lifestyle Creep

I have no opportunity for lifestyle creep! She wants nothing, no aspirations to a bigger house, newer car, any jewelry, clothes... nothing. She's said she'd be happy living in a trailer if it meant I could retire early. She's said we already have so much beyond what she needs (and that's with a pre...
by William4u
Fri Aug 15, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 22
Views: 2647

Re: Liberated from Fidelity PAS 401k - now what

I just bought the Vanguard High Div and Welli this year. If I sell them within a year, I would be hit with higher tax, right? I guess I won't be contributing new money into those funds anymore. So assume a year has past. I've been tinkling with my portfolio and it becomes like this: 401k (60% of my...
by William4u
Thu Aug 14, 2014 9:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Liberated from Fidelity PAS 401k - now what
Replies: 15
Views: 1476

Re: Car Value/Income

The poll suggests that the respondents are LBYM (Living Below Your Means). I can't tell if Bogleheads generally are LBYM types or the kind of Boglehead who takes these polls are.
by William4u
Thu Aug 14, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Value/Income
Replies: 22
Views: 1912

Re: Are these [401k] options terrible?

For all we know, the firm may be perfectly fine at consulting and just poor at picking a 401k plan. At 22 years old, I'd just focus on developing my career network and skills, and not worry too much about the 401k.
by William4u
Thu Aug 14, 2014 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are these [401k] options terrible?
Replies: 28
Views: 2067

Re: Portfolio tips--Too much in taxable?

You are doing just fine. There is no such thing as too much in taxable, IMHO, unless your taxable account caused you to miss the opportunity to add to a tax advantaged account. Just make sure and maximize your tax advantaged accounts over time (e.g., Roth, 401k, 457, etc.). You might even sell some ...
by William4u
Thu Aug 14, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio tips--Too much in taxable?
Replies: 6
Views: 838

Re: Grade Vanguard's performance: is 77% an A?

Out or underperformed by how much? If the outperformers returned doube the market and the underperformers were 99% of the market, that is a different story than all the funds clustered around the market within 1% or all the funds widely distributed. Don't knock a 1% difference. Through the magic of...
by William4u
Thu Aug 14, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Grade Vanguard's performance: is 77% an A?
Replies: 10
Views: 746

Re: Grade Vanguard's performance: is 77% an A?

I think so. Also, as the time increases, Vanguard looks better and better. Vanguard funds are better than... ⋅ 77% of funds over a 12 month period. ⋅ 85% of funds over a 3 year period. ⋅ 91% of funds over a 10 year period. https://personal.vanguard.com/us/insights/artic...
by William4u
Thu Aug 14, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: Grade Vanguard's performance: is 77% an A?
Replies: 10
Views: 746

Re: Do you hold cash/money market outside of your emergency

No. I have cash in my money market account for 6 months expenses as an emergency fund. I pay my bills out of my monthly income from my work, so the emergency fund is not used. If I have a big purchase (a car, etc.), I might save a little more in my money market account for it. If I have a bit of ext...
by William4u
Wed Aug 13, 2014 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you hold cash/money market outside of your emergency fund
Replies: 31
Views: 1978

Re: Are these [401k] options terrible?

At your age, it is more important to invest in your career experience, your career network, and your broader social network. This is where your skills, values, and social capital will be developed. At your age, maxing out your Roth IRA is just fine for adding to a tax advantaged retirement account, ...
by William4u
Wed Aug 13, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are these [401k] options terrible?
Replies: 28
Views: 2067

Re: Are these [401k] options terrible?

Wow. That is the worst 401k plan I've ever seen, and I've seen some bad ones. I'd just max out a Vanguard Roth IRA 1st ($5500/year) for retirement, and then just put some money into a Vanguard taxable account if you wanted to save more for retirement (Vanguard Total Stock Index is very tax efficient...
by William4u
Wed Aug 13, 2014 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are these [401k] options terrible?
Replies: 28
Views: 2067

Re: Retirement luxury vehicle

I'd go with the used Lexus myself, since they are more reliable and plentiful in larger cities. My elderly parents got one recently and love the plush ride. Here is a link to a large city craigslist with "Lexus" sorted by price high to low. Often the used Lexuses have been well taken care ...
by William4u
Wed Aug 13, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4484

Re: Liberated from Fidelity PAS 401k - now what

FIRST, THE 401k ACCOUNT... I count 21 mutual funds that you invest in for your 401k. That is totally ridiculous, as it is uselessly (and expensively) over-complicated. Even a seemingly small increase in ER can dramatically affect your returns after 30-40 years. Given that you have so many funds, al...
by William4u
Wed Aug 13, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Liberated from Fidelity PAS 401k - now what
Replies: 15
Views: 1476

Re: Your Favorite charity organization...? please

Charity begins at home. The idea of that quote is that to be truly charitable, one must first learn charity at home and then extend it outward into the wider world. Charity BEGINS at home, but it cannot end there. If charity begins and ends at home, it never really began at home in the first place....
by William4u
Tue Aug 12, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4215

Re: Dealership wants to buyback my car

I bought a new 2012 Ford Fusion SEL nearly three years ago (Oct 2011) after a lot of research and comparisons, I enjoy this car and was planning on driving it for 8-10 years. Your original idea is much, much better. Keep the car as you originally intended. Stay the course and sell the car in 8-10 y...
by William4u
Tue Aug 12, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Dealership wants to buyback my car
Replies: 32
Views: 3418

Re: Renting forever: financial suicide?

This only holds true if there is a saving to be achieved by renting, aka rent is less than mortgage PITI. If renting is more expensive or a wash, then there is no extra money you can put into your Index Fund, so at the end of 30 years, your index fund is worth $0, There are many unstated variables ...
by William4u
Tue Aug 12, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 10863

Re: Renting forever: financial suicide?

Financial suicide for most folks would be reaching retirement age and not having a house that's paid for. It's true a lot of people would put themselves in a bad position by saving less if they didn't have to pay a mortgage (the amortization of which is a form of savings). However, assuming a perso...
by William4u
Tue Aug 12, 2014 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 10863

Re: Vanguard Signal Share Class Conversion @ WellsTrade

I think that Vanguard should just get rid of the Investor share class, too, and have only a single share class. I'd love that. However, a Vanguard Rep told me that some 401k/457 plans administered by Vanguard only use Investor Shares in order to pay for the management of the plan. So, even for indi...
by William4u
Mon Aug 11, 2014 4:26 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Signal Share Class Conversion @ WellsTrade
Replies: 5
Views: 624
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