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Re: vanguard etf commissions

I am quite confident that the Vanguard ETFs will always be free at Vanguard, as will the funds. Vanguard is against Front Loads.
by William4u
Tue Sep 30, 2014 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: vanguard etf commissions
Replies: 5
Views: 584

Re: Suggested Fidelity Indx funds for Solo 4O1K

Here is my main rule for Fidelity:

If it doesn't have "Spartan" in the title, I don't invest in it at Fidelity.


That should work.
by William4u
Mon Sep 29, 2014 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggested Fidelity Indx funds for Solo 4O1K
Replies: 9
Views: 369

Re: Obese airline passenger

Same thing happened to me, except the obese passenger apologized profusely in advance when he got to his row. I felt bad for him, and I told him not to worry. He was a working class guy, and couldn't afford two seats. My grandmother would say to "offer it up," if you understand that idiom.
by William4u
Sun Sep 28, 2014 10:51 pm
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 4622

Re: How Long Should I Keep My Car?

LAlearning wrote:10 years minimum.

Are you a doctor? What else would be terrible for work...


10 years minimum. Cars today are very reliable 10 years out at 150k miles.
by William4u
Sun Sep 28, 2014 10:38 pm
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 39
Views: 2456

Re: Increasing Bond Holdings/International Equities

The I-Bond is a good choice. FYI, the tax exempt bonds in vanguard are here at the bottom of the page... https://investor.vanguard.com/mutual-funds/vanguard-mutual-funds-list?assetclass=bond If you live in one of the states listed, then get the state-specific one. The generic intermediate tax exempt...
by William4u
Sun Sep 28, 2014 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Increasing Bond Holdings/International Equities
Replies: 13
Views: 1526

Re: Considering slice and dice -- need help choosing funds

I've been reading a lot about the value tilting and slice and dice portfolio's. I haven't made a decision on whether or not I want to do this yet, but one of the things that is persuading me is the fact that so many financial advisers are suggesting this. Mark: One of the reasons many financial adv...
by William4u
Sun Sep 28, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering slice and dice -- need help choosing funds
Replies: 18
Views: 534

Re: Tree trimming cost

ClevrChico wrote:I had a large silver maple taken down this year. 35 hours of labor @ $42/hour. This was a large commercial outfit and the cheapest quote.


This is the price in my area too.
by William4u
Sun Sep 28, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Tree trimming cost
Replies: 30
Views: 2487

Re: Anybody manage a rental property long distance?

matonplayer wrote:Thanks for all the responses. My neighbors will hate me :) but I think reducing the price is the way to go. We'll probably give it another week or so at this price and then start reducing it.


+1 Agreed!
by William4u
Sun Sep 28, 2014 1:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Anybody manage a rental property long distance?
Replies: 13
Views: 840

Re: Disappointed in Vanguard customer service

I've only had positive experiences with the CSRs too.
by William4u
Sat Sep 27, 2014 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: Disappointed in Vanguard customer service
Replies: 32
Views: 3547

Re: Is VXF tax efficient?

According to Morningstar, VXF has over 30% of potential capital gains exposure. How does that affect a new purchase within a taxable account? If I understand correctly, if an investor were to buy $100,000 worth of VXF today in a taxable account, the holding is treated as if it had already appreciat...
by William4u
Sat Sep 27, 2014 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is VXF tax efficient?
Replies: 11
Views: 705

Re: Is it worth higher expense ratios to value tilt?

No. I would definitely not buy SCV at that expensive ER! If there is a SCV premium (and there might not be one in your relevant investing future), you very well might not get it after expenses. If a backdoor roth is in your future and you must have SCV, just wait and use that for Vanguard Value Inde...
by William4u
Sat Sep 27, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it worth higher expense ratios to value tilt?
Replies: 6
Views: 543

Re: Is VXF tax efficient?

VXF is very tax efficient. Check out the Morningstar Tax Analysis... http://performance.morningstar.com/fund ... ture=en-US

The M* Tax Analysis is a useful tool for taxable investing.
by William4u
Sat Sep 27, 2014 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is VXF tax efficient?
Replies: 11
Views: 705

Re: It's pretty freaky watching your stocks go up & down all

The Average Investor over the last 30 years averaged a 1.9% annual return due to not staying the course. 1.9%! I think a 70/30 stock bond mix in Vanguard index funds got around 8% annually. Basically, the "average investor" buys high and sells low. People panic sell when stocks are low, an...
by William4u
Fri Sep 26, 2014 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: It's pretty freaky watching your stocks go up & down all day
Replies: 60
Views: 5410

Re: Will Bill Gross beat the Total Bond Market Index?

Isn't Vanguards Total BND significantly less risky than PIMCO? If so, then it is an apples-and-oranges comparison, like comparing stock funds to bond funds. We would want to compare risk-adjusted returns, wouldn't' we?
by William4u
Fri Sep 26, 2014 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 5719

Re: It's pretty freaky watching your stocks go up & down all

You might try reading "Learning to Love Volatility" (August 7, 2014) By Rick Ferri... There’s nothing like good market volatility. It makes me sleep well at night. Plunging prices, several days of bad news, it makes me all smiles. No, I’m not a masochist. I just know that weak-minded inves...
by William4u
Thu Sep 25, 2014 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: It's pretty freaky watching your stocks go up & down all day
Replies: 60
Views: 5410

Re: No Vanguard in our 401k

Thanks William4u...just what I was looking for! My pleasure. If you look at all the dozens of the company's funds over the last 50 years (many of which get shut down to hide their poor performance), you will find that most of the active funds underperformed their index. Here is a link to a 19-page ...
by William4u
Wed Sep 24, 2014 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: No Vanguard in our 401k
Replies: 10
Views: 929

Re: No Vanguard in our 401k

The CFO seems misinformed, which is common if he or she is getting the info from the fund companies, who want to make a profit. Index Fund investors do much better over time. Index fund are ABOVE AVERAGE by far. Active funds are a losing bet, and it just gets worse as time goes on. Check out the dat...
by William4u
Wed Sep 24, 2014 3:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: No Vanguard in our 401k
Replies: 10
Views: 929

Re: Can Active Fund Strategy Beat Vanilla Index Fund?

Last question: 1. Is it tax-terrible to put a value-fund into a taxable account? Thanks! The Index Funds are not only less expensive than the active funds in the same class, and are very likely to outperform over the long haul, but also they are much more tax efficient. An active value fund is gene...
by William4u
Wed Sep 24, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Can Active Fund Strategy Beat Vanilla Index Fund?
Replies: 25
Views: 1494

Re: 3 Fund Portfolio Vs. Vanguard Advisor Recommendations

So many different answers! I'm not sure there is such a thing as a Boglehead! :oops: But I do get the big picture, that by taking 90% of the expense out of management of my portfolio and by moving from actively managed to largely indexed funds I can probably add myself to the legions of "Bogle...
by William4u
Wed Sep 24, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio Vs. Vanguard Advisor Recommendations
Replies: 15
Views: 1632

Re: Can Active Fund Strategy Beat Vanilla Index Fund?

Active funds are a losing bet, and it just gets worse as time goes on. Check out the data. Vanguard funds are better than... ⋅ 77% of active funds over a 12 month period. ⋅ 85% of active funds over a 3 year period. ⋅ 91% of active funds over a 10 year period. https://pe...
by William4u
Wed Sep 24, 2014 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: Can Active Fund Strategy Beat Vanilla Index Fund?
Replies: 25
Views: 1494

Re: What to do with an older car?

I'd put it on craigslist for $1000, and take $750 for it. That is a fair price for that car. It will sell fast.
by William4u
Wed Sep 24, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: What to do with an older car?
Replies: 22
Views: 1298

Re: 3 Fund Portfolio Vs. Vanguard Advisor Recommendations

I think the Total Bond Market fund is sufficient. It holds 6730 different bonds. Sounds like a lot to me. Vanguard breaks down the fund by several different factors. You could compare that to the other funds. If you value simplicity, then 1 bond fund is just fine. Adding in the other bond funds wil...
by William4u
Wed Sep 24, 2014 12:36 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio Vs. Vanguard Advisor Recommendations
Replies: 15
Views: 1632

Re: Need help protecting assets (marriage)

I would not bother with just 100K asset. If you expect a very large inheritance in the future, that might be different story. In the grand scheme of things (say 30 years of marriage), 100K is simply too little asset to go thru this trouble in my opinion. This leaves bad taste in her and her family....
by William4u
Tue Sep 23, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help protecting assets (marriage)
Replies: 46
Views: 4523

Re: What evidence would prove the Boglehead mentality wrong?

From an epistemological standpoint, an unfalsifiable theory is meaningless. Not quite. This is a paraphrase of Karl Popper's famous dictum. However, it only applies to a range of empirical theories. Plus, many in science disagree with Popper's view. Also, a true mathematical theory is not falsifiab...
by William4u
Sun Sep 21, 2014 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 109
Views: 7627

Re: Verizon to Page Plus - documenting my experience

tyd450 wrote:word on the street is that Page Plus will have 4G LTE soon and you won't have to do the goofy flashing to get it on the network. Just sign up, get a sim and pop it in.


Correct. No more flashing and 4G is coming very soon.
by William4u
Sun Sep 21, 2014 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 63
Views: 7651

Re: How to achieve a balance between "saving" and "living"?!

Here's one way to look at the decision. $23,000 invested now for 35 years with a 4% rate of return (I'm adjusting for inflation) gives you $90,000, about one year's worth of your current income. Are you willing to spend an entire extra year working to buy the bike? I would rather have an extra year...
by William4u
Sun Sep 21, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6536

Average Investor's Investment Return Is 1.9% in last 30 year

Why The Average Investor's Investment Return Is So Low (Forbes) According to the latest 2014 release of Dalbar’s Quantitative Analysis of Investor Behavior (QAIB), the average investor in a blend of equities and fixed-income mutual funds has garnered only a 2.6% net annualized rate of return for th...
by William4u
Sat Sep 20, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 109
Views: 7627

Re: OBi110 -or- Ooma Telo for home phone service?

For folks using Obi, didn't it stop working around May 2014 due to Google removing support? Though recently I saw an e-mail from Obi saying it is now officially supported. I was using it till mid-May and then stopped using it once it went offline. I'm going to try it again but wondering if anyone e...
by William4u
Thu Sep 18, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 33
Views: 1131

Re: What Movie Have You [Recently] Watched?

Ketawa wrote:My favorite movies that I have seen in 2014 came out in 2013.
Prisoners
Short Term 12
Drinking Buddies
12 Years a Slave


+1 on Short Term 12
by William4u
Thu Sep 18, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 105
Views: 4481

Re: Help compare Vanguard Three Fund vs Edward Jones Am. Fun

I could video record my shooting 1000 basketball shots from the 3-point range. I could then show my clients all and only the shots that went in, and then insist that I can do it consistently in the future. This is RIDICULOUS FOR THE SAME REASON as the EJ rep's argument is! I can't believe people di...
by William4u
Thu Sep 18, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help compare Vanguard Three Fund vs Edward Jones Am. Fund
Replies: 25
Views: 2140

Re: Help compare Vanguard Three Fund vs Edward Jones Am. Fun

I could video record my shooting 1000 basketball shots from the 3-point range. I could then show my clients all and only the shots that went in, and then insist that I can do it consistently in the future. This is RIDICULOUS FOR THE SAME REASON as the EJ rep's argument is! I can't believe people dis...
by William4u
Wed Sep 17, 2014 5:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Help compare Vanguard Three Fund vs Edward Jones Am. Fund
Replies: 25
Views: 2140

Re: EJ Gadflies [Edward Jones]

My former EJ advisor (and current friend) just got back from Peru and a trip to Machu Picchu for 10 days. I am so thankful I am no longer helping to pay his way on these trips "earned" off the fee dollars of their clients. For about 6 months I had an Oppenheimer fund with a 5.75% sales lo...
by William4u
Wed Sep 17, 2014 3:08 am
 
Forum: Personal Finance (Not Investing)
Topic: EJ Gadflies [Edward Jones]
Replies: 64
Views: 6161

Re: What evidence would prove the Boglehead mentality wrong?

The basic laws of mathematics would have to be proven incorrect? +1 It's not a mentality - it's mathematical fact. Consider millions of talented people, all trading with one another. The average trader will have average performance MINUS his trading costs - by definition. If you hire an average-per...
by William4u
Tue Sep 16, 2014 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 109
Views: 7627

Re: [can my family live in a] Tiny house

I knew a family with five little kids that lived in a 450sqft apt for about 8 years while in school. Everything in the apartment turned into a bed at night. The mother and father were incredibly disciplined; it was hard work. Eventually they graduated and got good jobs. Now they live in a big house....
by William4u
Tue Sep 16, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 60
Views: 4075

Re: Any FRANCHISE owners here?

I have a friend that owns 3 fast food franchises. Two things come to mind: 1. Analytics, analytic, analytics. It is important to run the data (and run lots of data) to get a handle on things. My friend is running numbers and interpreting numbers all the time. Pounds of buns per week per dollar. Numb...
by William4u
Mon Sep 15, 2014 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any FRANCHISE owners here?
Replies: 30
Views: 3284

Re: Active v Index Fund Performance

This argument is very, very bad to say the least. The argument commits at least two major fallacies: 1. The fallacy of "Cherry Picking," 2. The fallacy of assuming that future returns will follow the trend of past returns (the evidence is overwhelmingly against this). The argument form is ...
by William4u
Mon Sep 15, 2014 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: Active v Index Fund Performance
Replies: 5
Views: 405

Re: Clean, quiet, safe and cheap. Is there such a travel pla

+1 on Little Corn Island in Nicaragua. However, it take a little more time and money to get there, but once you are there it is pretty inexpensive.
by William4u
Sun Sep 14, 2014 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5750

Re: Suggestions /Advice for a fresh college graduate

Others have given some very good advice. I'd work for a few years, and once I knew what I wanted, I'd go to get a masters or some professional degree. A number of other posters have pointed out that the GPA is not strong. 20 years ago, a 3.0 GPA in Poli Sci would have been in the top 50%, but now it...
by William4u
Sat Sep 13, 2014 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Suggestions /Advice for a fresh college graduate
Replies: 29
Views: 1575

Re: EJ Gadflies [Edward Jones]

obgyn65: what toto238 means to say is that Edward Jones has a terrible reputation around here. This has little to do with solicitation practices and everything to do with the results once you're a client. Time and time again we see very expensive and unnecessarily complex portfolios, with (adding i...
by William4u
Sat Sep 13, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: EJ Gadflies [Edward Jones]
Replies: 64
Views: 6161

Re: EJ Gadflies

Salespeople who do not take no for an answer often make more money than those who do. Unfortunately, salespeople do not always have what is good for the client. They wouldn't have much to sell otherwise. I have a friend that knew a young person who got back from Iraq and was approached by EJ. The yo...
by William4u
Fri Sep 12, 2014 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: EJ Gadflies [Edward Jones]
Replies: 64
Views: 6161

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Nicaragua is generally safer than Guatemala, and can be clean and quiet in places. The B&Bs on sustainable coffee plantations in the northern highlands are nice.
by William4u
Thu Sep 11, 2014 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5750

Re: A 'really good book' you did NOT enjoy

If you read A Jane Austen Education you might appreciate Jane Austen more. This book has a nice discussion about how Jane Austen writes such realistic dialogue that she bores us with it (since real conversation can be boring), only to show us that the characters (like Emma) are bored with the same k...
by William4u
Sun Sep 07, 2014 1:52 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10981

Re: Graduating Debt-Free, or with Elite College Degree?

As a university professor, I think that the quality of your fellow students strongly determines the quality of the education you receive . I can only teach at a level my students can understand. For example, after my department raised the minimum for SAT math scores, I was able to require more chal...
by William4u
Sat Sep 06, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Debt-Free, or with Elite College Degree?
Replies: 92
Views: 4868

Re: Market at a all time high ( Sept 2014) , time to cash ou

Greaps wrote:I am 28 years old and recently changed my total bond index allocation from 20% to 28%, I feel more comfortable now. Don't take your money out, just rebalance.


Good advice.
by William4u
Fri Sep 05, 2014 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market at a all time high ( Sept 2014) , time to cash out?
Replies: 49
Views: 3762

Re: How do you keep your electricity bill low?

Install a water heater timer...
http://www.amazon.com/Intermatic-EH40-2 ... 000NCYPOM/

We have ours turned off when we are at work and asleep and away for the weekend. It saves quite a bit.
by William4u
Fri Sep 05, 2014 1:44 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9201

Re: New or Used Prius

If you keep it for 10 years or more, the difference in price between new and slightly used is probably a few hundred dollars a year at best. Either is totally fine. Just get the car you like when the difference is this small.
by William4u
Fri Sep 05, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: New or Used Prius
Replies: 9
Views: 848

Re: My early 30's Ameriprise portfolio

Wow. The funds are pointlessly expensive. The high number of funds is a bad sign. Needlessly complicated and confused. It seems to be designed to give the false impression that one needs to pay someone to manage one's investments. There is also a lot of unnecessary overlap among so many funds. I bet...
by William4u
Fri Sep 05, 2014 7:33 am
 
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio
Replies: 36
Views: 3404

Re: Going to be need to purchase a new car soon, need help

I saw some 2010 Toyota Corollas for sale on Craigslist for $10-11k recently. I have had good luck buying cars on Craigslist. You can get an older one for less money with 150k miles on them, and if well-maintained they should last to 200k miles and beyond. Wife and I drive two late-1990's era Toyotas...
by William4u
Thu Sep 04, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Going to be need to purchase a new car soon, need help
Replies: 33
Views: 2467

Re: taxable investments

I too hate to pay taxes - but look at it this way - for the most part provided you use Index-Funds you only pay taxes on your gains.... I'd do Vanguard Total Stock Market (leaving Bonds, REITs in tax-advantaged for reasons spelled out here in the forum and in the wiki). +1 I too think of it as &quo...
by William4u
Thu Sep 04, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: taxable investments
Replies: 3
Views: 438

Re: Market at a all time high ( Sept 2014) , time to cash ou

Hasn't the stock market had about a million "all time highs" in the last 100 years? And for all of those highs, hasn't the market has gone up from there?
by William4u
Thu Sep 04, 2014 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market at a all time high ( Sept 2014) , time to cash out?
Replies: 49
Views: 3762
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