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Re: How to complement VWENX to get full diversification?

Hello, I a looking to build a portfolio of which VWENX is a component. 1. What other funds would be needed to have a full and well diversified portfolio (moderate risk appetite)? 2. Given the answer to 1., what would be a smart allocation of total funds across these portfolio components? Thank you!...
by William4u
Wed Jul 23, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to complement VWENX to get full diversification?
Replies: 4
Views: 331

Re: If you own a car, do you have a car payment?

Roughly every 6 years (more or less), a car loses 50% of its value. I buy 10-12 year old cars that are well maintained (usually from craigslist). So far these cars have lasted and lasted after I purchase them. The last car I sold had 250k miles and still ran great with scheduled maintenance. I use d...
by William4u
Mon Jul 21, 2014 8:54 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 110
Views: 6253

Re: What is reasonable for 403b fees?

Show your coworkers this chart... CUMULATIVE IMPACT OF FEES: ................................. Annual Fee ............ .0.10% ....... 0.25% ..... 0.50% ..... 1.00% ..... 2.00% ..... 3.00% 3 years.....–0.3%......–0.7%......–1.5%.....–2.9%......–5.8%.....–8.5% 5 years.....–0.5%......–1.2%......–2.5%.....
by William4u
Sun Jul 20, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is reasonable for 403b fees?
Replies: 21
Views: 1073

Re: AA for a spoiled young buck

I think there is some very good advice above. Many people are wisely suggesting an 80/20 (or at least a 90/10) Stock/Bond AA. However, I will make a suggestion to slowly (or quickly) sell the taxable funds and transfer them to the Vanguard taxable account. You will have to pay taxes on the Janus and...
by William4u
Sun Jul 20, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA for a spoiled young buck
Replies: 13
Views: 2111

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

When I leave town, I pay about $1/day extra if I leave on my electric water heater.
by William4u
Sat Jul 19, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: How much energy does water heater use when I'm not home?
Replies: 32
Views: 2690

Re: Honda Fit, Civic

Also stability control is one of the most important safety features in history, second only to seat belts. +1 Both Consumer Reports and the Insurance Institute for Highway Safety say as much about the importance of electronic stability control (ECS) regardless of climate... Institute research shows...
by William4u
Fri Jul 18, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Honda Fit, Civic
Replies: 32
Views: 3008

Re: Honda Fit, Civic

I suspect the Fit is significantly better in the snow merely in virtue of the law that requires all cars beginning in 2012 to have stability control, traction control, and ABS brakes. However, the most important addition to any new car is WINTER TIRES. I cannot stress this enough. Get winter tires a...
by William4u
Fri Jul 18, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Honda Fit, Civic
Replies: 32
Views: 3008

Re: Poll - Do You Read Businessweek?

If I was going to subscribe to a business magazine it would be The Economist. One of the few really literate publications left. I subscribed to the Economist for many years, but gave it up a while ago. It seemed to have drifted into becoming to much of an opinion magazine, and I just wasn't that in...
by William4u
Thu Jul 17, 2014 10:23 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 28
Views: 1826

Re: Buying a camper

Two things... 1. A pop up is pretty nice for family camping. My brother has one, and he loves it. However, it takes him and his wife about an hour to set everything up (including getting the surrounding campsite set up). Read more here... http://www.campingearth.com/popups/ 2. A typical Toyota Sienn...
by William4u
Tue Jul 15, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Buying a camper
Replies: 26
Views: 2437

Re: Approximating 3-fund portfolio with limited Spartan fund

I'm of the opinion that the more time you spend fine-tuning and fiddling with your retirement portfolios, the worse off you'll be. Mr. Bogle advocated an SP500 for decades, so by going that route with Fidelity you'll get almost total correlation with a TSM fund--when big stocks are doing better you...
by William4u
Mon Jul 14, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approximating 3-fund portfolio with limited Spartan funds
Replies: 5
Views: 957

Re: If you had $100K how would you invest it?

Hmmm,,I'm thinking I might consider "investing" in paying down my mortgage Substantially and capturing a guaranteed 4.3 return. :happy +1 Spend $20 or less and get your hands on The Little Book of Common Sense Investing. Then head over to your local library and read The Four Pillars of In...
by William4u
Mon Jul 14, 2014 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you had $100K how would you invest it?
Replies: 10
Views: 2206

Re: Who else hates choosing a car?

Hadn't heard this mention of transmission problems in V-6 Hondas before. But I have heard of problems with the variable-cylinder-management (VCM) system in V-6 Hondas, in which there have been complaints of oil use, plug fouling, noise, shudder related to the on/off of cylinders. Has anyone experie...
by William4u
Mon Jul 14, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 75
Views: 6280

Re: Mortgage - How much can I afford?

My wife and I live in a house that is much less than we can afford, and I recommend it highly. Not having to worry about a spouse losing a job and still affording the house is great, and the savings gives is soooo much freedom to do other things. I know many family and friends that are "house p...
by William4u
Thu Jul 03, 2014 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage - How much can I afford?
Replies: 9
Views: 1286

Re: burning 1 lb is how many calories?

To give some idea of the amount of exercise you need to do to lose weight. Cycle tourists riding 60+ miles a day or hikers walking 20+ miles a day for several weeks or months will usually lose weight no matter what they eat. Hikers are often somewhat constrained by the availability of food, but cro...
by William4u
Thu Jul 03, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: burning 1 lb is how many calories?
Replies: 69
Views: 5556

Re: How to admit/should I admit alcohol problem to employer

Echo the last two posts - from an employment standpoint - I would consider going through your physician and discussing it with them. I am a physician and am purposely very vague with the FMLA paperwork - it is doctor/patient privilege and confidential information. Most employers are just told (at l...
by William4u
Thu Jul 03, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 97
Views: 10212

Re: Stick with Vanguard or take Fidelity "special deal"?

$2500 is just 0.25% of 1 million. You could be saving that much in fees and capital gains over time by staying at Vanguard.
by William4u
Wed Jul 02, 2014 11:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stick with Vanguard or take Fidelity "special deal"?
Replies: 50
Views: 3054

Re: I am thinking of buying Ooma or Magicjack need help deci

Many great posts to the OP's question. So I'll not repeat them. But here's my input on internet phone (VOIP) from a guy who used 10+ VOIP solutions in the past 6 years. If you use Google Voice number as your primary number, many solutions became (or will become) obsolete because GV doesn't official...
by William4u
Wed Jul 02, 2014 7:57 pm
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 2944

Re: Second pair of eyes on my 401k selections

**Stocks (25%) Spartan® 500 Index Fund - Institutional Class: FXSIX (ER: .05) (10%) Vanguard Growth Index Fund Institutional Shares: VIGIX (ER: .08) (20%) Vanguard Small Cap Value Index Fund Admiral Shares: VSIAX (ER: .09) (10%) American Funds EuroPacific Growth Fund Class R...
by William4u
Sat Jun 28, 2014 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Second pair of eyes on my 401k selections
Replies: 11
Views: 982

Re: B Bernstein on Vgd Mid Cap Value vs Large Value Idx

baw703916 wrote:
richard wrote:Now all we need is a Vanguard tax-managed value fund.


A passive international value fund would be nice, too.


+1
by William4u
Thu Jun 26, 2014 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: B Bernstein on Vgd Mid Cap Value vs Large Value Idx
Replies: 25
Views: 2704

Re: Help solving a car dilemma

1. Buy another slightly used fuel efficient car (e.g., another Toyota Corolla).

2. Sell the Pilot.

Problem solved (?).
by William4u
Thu Jun 26, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Help solving a car dilemma
Replies: 18
Views: 2519

Re: Pool Maintenance Cost

Yes, pools are expensive--the chemicals are expensive, and most of the equipment produced is genuine 100% KRAP. And yet, when you entertain, and when your friends and grandchildren are having the time of their lives, you forget about it in an instant--especially if what your'e drinking is so agreea...
by William4u
Wed Jun 25, 2014 5:32 pm
 
Forum: Personal Consumer Issues
Topic: Pool Maintenance Cost
Replies: 14
Views: 1215

Re: I want to invest $200/month. What is the best funds to u

In your situation, I would not buy ETFs at all. Mutual Funds are a better instrument for most people, IMHO. I would avoid any taxable account at a for-profit brokerage, IMHO, since in the long term they lead to a host of bureaucratic and tax lot issues (plus they ultimately make money on your doing ...
by William4u
Wed Jun 25, 2014 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: I want to invest $200/month. What is the best funds to use?
Replies: 21
Views: 2603

Re: Pool Maintenance Cost

The WSJ article above is accurate.... The financial advisers I spoke to all said that, through long experience, they had learned that pools ended up costing a lot more year to year than you usually expect. Susan Elser, a certified financial planner in Indianapolis ("and a former pool owner,&quo...
by William4u
Wed Jun 25, 2014 5:17 pm
 
Forum: Personal Consumer Issues
Topic: Pool Maintenance Cost
Replies: 14
Views: 1215

Re: Why buy a car with cash?

I use cash only since I buy my cars from Craigslist, a cash only venue (more or less). I find the best deals there on reliable used cars. I also think that if I get a loan, I'm likely paying too much. My rule of thumb for what is paying too much: I divide the cost of a car by 1000, and that is the n...
by William4u
Tue Jun 24, 2014 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Why buy a car with cash?
Replies: 83
Views: 6084

Re: If Harvard invested in Vanguard...

The interesting thing about Yale is they only beat a 60/40 benchmark by 100bp. So you have the best actively managed endowment in the country beating a benchmark the average guy can have by only 1% per year. It also looks like the margin is shrinking based upon the past 20 years performance. Packer...
by William4u
Sun Jun 22, 2014 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: If Harvard invested in Vanguard...
Replies: 50
Views: 5043

Re: synthetic motor oil?

yes, it is worth it. Use what is recommended my the owner manual. Synthetic motor oil should be changed between 75,000-150,000 miles. so it last 2 to 3 times longer than regular oil. Did you add an extra 0 to those #'s? I'm sure he or she added an extra zero. Synthetic oil is typically changed at 7...
by William4u
Sat Jun 21, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: synthetic motor oil?
Replies: 17
Views: 1196

Re: TV show recommendations?

In order... The Wire I Claudius Slings and Arrows Deadwood Foyle's War The Sopranos True Detective 30 Rock Why, why has no one mentioned the comedy Slings and Arrows ? Slings and Arrows is one of the best shows ever, especially if you enjoy theater and Shakespeare. The show was written by people fr...
by William4u
Wed Jun 18, 2014 12:32 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 119723

Re: TV show recommendations?

In order... The Wire I Claudius Slings and Arrows Deadwood Foyle's War The Sopranos True Detective 30 Rock Why, why has no one mentioned the comedy Slings and Arrows ? Slings and Arrows is one of the best shows ever, especially if you enjoy theater and Shakespeare. The show was written by people fro...
by William4u
Wed Jun 18, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 119723

Re: Should we or shouldn't we make a move at this age?

100K income and a 600K house does not seem to make good sense. +1 Plus, a house is an EXPENSE, and not an investment. The more expensive the house, the greater the expense. You will have far more to give the kids if you don't buy the house. See this article: By now you might be thinking, "but ...
by William4u
Tue Jun 17, 2014 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should we or shouldn't we make a move at this age?
Replies: 37
Views: 2883

Re: Expense Ratio - what's too high?

The max ER should be the cheapest that your IPS (Investment Policy Statement) requires. Your IPS should include ER limits and be dominated by index funds. For me the upper ER limit is 0.36%. That is by far the highest ER I pay (for the 0.36% ER Vanguard International Explorer Fund VINEX). Although i...
by William4u
Tue Jun 17, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratio - what's too high?
Replies: 33
Views: 2754

Re: Personal Life subforum?

This is a very unique forum for a number of reasons... 1. This is the best moderated forum I have ever seen. Without the high quality of the moderation, this site would not have built and maintained the community it has. 2. The forum members come from a wide variety of professions and backgrounds in...
by William4u
Tue Jun 17, 2014 1:04 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4600

Re: Credit union with good online bill pay?

I am very happy with Alliant Credit Union. You just have to tell them you're a member of a PTA to be elibigle +1 Alliant Credit Union is great for online banking. They have the fastest ACH transfers in the business, and you can deposit checks entirely with your home scanner or your smartphone (just...
by William4u
Sat Jun 14, 2014 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit union with good online bill pay?
Replies: 29
Views: 1759

Re: BAD 403b alternatives

IMHO it is still worth it to maximize your contribution under most scenarios. I've seen calculations that put the extra value of being in a 403b/401k/Traditional IRA vs taxable at roughly 0.50% per year. Now you are paying more than 0.50% more per year with those AWFUL funds. HOWEVER, you need to lo...
by William4u
Thu Jun 12, 2014 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: BAD 403b alternatives
Replies: 7
Views: 442

Re: POLL: Do/did you get a match? How much?

His and her:

We put in 2.5%.
Employer puts in 13%.

All in Vanguard Funds. We are lucky!
by William4u
Thu Jun 12, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do/did you get a match? How much?
Replies: 67
Views: 4176

Re: College & PhD vs $250k working

[The glut in the market is, IMHO, from the lower-ranked schools sending out an army of graduates with poor prospects. Agreed, the world may have enough PhD's, but not too many STEM PhDs from Caltech - which is the OPs son's situation. Admission to Stanford and Caltech means that some experienced pe...
by William4u
Thu Jun 12, 2014 12:52 am
 
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 7403

Re: New homeowner: lawn care advice

I would strongly advise against using Trugreen, whose chemicals have been linked to birth defects, cancer, asthma, and allergies in children. When I was a grad student, the university was using Chemlawn/Trugreen in the family housing area. The Chemistry PhD students, with their entire families in t...
by William4u
Wed Jun 11, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 26176

Re: College & PhD vs $250k working

Money is not the goal of education. A good life (rich with knowledge, skills, and friendship, all put into practice) is the goal. Money is only a part of that equation, and you only need "enough," not a ton. Just think of what he can contribute to the world with such an education. He will...
by William4u
Wed Jun 11, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 7403

Re: New homeowner: lawn care advice

I would strongly advise against using Trugreen, whose chemicals have been linked to birth defects, cancer, asthma, and allergies in children. When I was a grad student, the university was using Chemlawn/Trugreen in the family housing area. The Chemistry PhD students, with their entire families in to...
by William4u
Wed Jun 11, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 26176

Re: Car for a long daily commute

+1 on moving

My wife and I were in a similar position. I commuted about that distance in wall-to-wall traffic for a good while. Finally we MOVED right next to where I work, and my quality of life went up 1000%. That kind of commute is bad for your health, both psychologically and physically.
by William4u
Tue Jun 10, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5868

Re: Expense ratio? How much difference does it make?

An extra 1% annual ER over 40 years can take 1/3rd of your retirement money, according to Vanguard. So, instead of $3 million, you would have only $2 million for no good reason. THAT IS A MILLION DOLLAR DIFFERENCE!!! See this data from Vanguard... CUMULATIVE IMPACT OF FEES: ............................
by William4u
Sat Jun 07, 2014 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 1798

Re: College & PhD vs $250k working

Money is not the goal of education. A good life (rich with knowledge, skills, and friendship, all put into practice) is the goal. Money is only a part of that equation, and you only need "enough," not a ton. Just think of what he can contribute to the world with such an education. He will...
by William4u
Fri Jun 06, 2014 9:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 7403

Re: Am I A Moron

P.S. $70k is not a reserve. It is chump change. Yeah, I was thinking that $70k sounds more like an emergency fund. A reserve, if I understand correctly, is 3-5 years of expenses, and $70k could be just 6-12 months for many professionals. I'd just count the $70k as an emergency fund, and maybe cut i...
by William4u
Fri Jun 06, 2014 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I A Moron [savings account as an asset class]
Replies: 47
Views: 2765

Re: New car for improved safety

I looked this up a few months ago on the insurance institute web page, and my recollection is that a new car has (roughly) HALF the fatality rate of a car that is 15 years old. My (imperfect) recollection is that the death rate for the typical older cars is something like 100 deaths per 1 million r...
by William4u
Fri Jun 06, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: New car for improved safety
Replies: 33
Views: 2443

Re: Confession: I bought a stock. What is wrong with me?

I know some indexers who put aside around 5% to "play the market" and bet on individual stocks for fun. It satisfies the classic gambling urge to play the market and take hot stock tips without seriously affecting your long-tern returns. I don't do this, but I don't think badly of those wh...
by William4u
Fri Jun 06, 2014 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Confession: I bought a stock. What is wrong with me?
Replies: 56
Views: 4200

Re: Family cars for non-drivers.

Many people above are suggesting renting and reconsidering the minivan, and I concur. I know many people with kids who were "dead set against" a minivan. But after they realized how much safer they are (I recall reading they are tied for the lowest fatality rate of any car), and how practi...
by William4u
Thu Jun 05, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Family cars for non-drivers.
Replies: 38
Views: 1905

Re: College & PhD vs $250k working

Money is not the goal of education. A good life (rich with knowledge, skills, and friendship, all put into practice) is the goal. Money is only a part of that equation, and you only need "enough," not a ton. Just think of what he can contribute to the world with such an education. He will ...
by William4u
Wed Jun 04, 2014 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 7403

Re: New car for improved safety

I looked this up a few months ago on the insurance institute web page, and my recollection is that a new car has (roughly) HALF the fatality rate of a car that is 15 years old. My (imperfect) recollection is that the death rate for the typical older cars is something like 100 deaths per 1 million re...
by William4u
Wed Jun 04, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: New car for improved safety
Replies: 33
Views: 2443

Re: Fidelity vs. Vanguard

I am a bit wary of staying with Fidelity as I age (I have both Fidelity and Vanguard accounts now). Harvard economist David Laibson talks about “dementia insurance” to protect us from making bad financial decisions as we age. This is a significant problem for many seniors. Building trust over a long...
by William4u
Fri May 23, 2014 1:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Vanguard
Replies: 75
Views: 7925

Re: Offered a new job today but 50/50 mixed

Being only able to take 2 classes per semester (for employees) would still take a very long time to finish my I.T. degree. The whole employable 5- 10 years from now is already a concern. The way I view it , its very hard to change or get a job once your closer to retirement unless you have a skill ...
by William4u
Fri May 23, 2014 12:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Offered a new job today but 50/50 mixed
Replies: 28
Views: 2523

Re: Offered a new job today but 50/50 mixed

I'd go ahead and take those two course per semester. If you take two courses in fall, spring, and the two summer school sessions, you could start from zero credit and have a college degree in 6 years or so. Would a college degree give you and your family more options?
by William4u
Thu May 22, 2014 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Offered a new job today but 50/50 mixed
Replies: 28
Views: 2523
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