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Re: Drinking water

There is nothing in distilled water that can be removed by a charcoal filter. I am not a doctor …. I would state that differently, there is nothing normally in distilled water that can be removed by a charcoal filter. Certain volatile organic compounds will certainly not be removed from water that ...
by William4u
Mon Jan 26, 2015 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Drinking water
Replies: 45
Views: 2949

Re: What was your costliest investment mistake?

Buying individual stocks recommended by the Motley Fool website way back in the day. Former Fool here. I haven't bought an individual equity in years, and lost more than a few bucks on some misguided Fool picks. I seem to recall one of their newsletters touting Toll Brothers (the home-builder) arou...
by William4u
Tue Jan 20, 2015 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 119
Views: 9589

Re: What was your costliest investment mistake?

Buying individual stocks recommended by the Motley Fool website way back in the day. They are still "pushing" individual stocks, like in this article from yesterday... http://www.fool.com/investing/general/2015/01/18/record-low-solar-energy-price-is-a-lot-cheaper-tha.aspx I'm glad I know b...
by William4u
Mon Jan 19, 2015 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 119
Views: 9589

Re: BlackRock aims to beat active and passive funds

In an interview, Mr Fink said that investors who simply tracked equity market indices would have been less able to profit from the recent tumble in the oil price, because they would be exposed to winners and losers alike. It's great to know that their employees have finally attained clairvoyance. T...
by William4u
Mon Jan 19, 2015 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: BlackRock aims to beat active and passive funds
Replies: 9
Views: 1229

Re: Can't purchase Index funds at Ameriprise?

You could buy the Vanguard ETFs like VTI there, but you would very likely be paying fees and costs in addition to the small Vanguard ETF expense ratio (0.05% on VTI). It wouldn't surprise me if that added fee/cost was around 2% or so once all the hocus pocus was revealed. An added 2% in fees over 40...
by William4u
Sat Jan 17, 2015 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't purchase Index funds at Ameriprise?
Replies: 11
Views: 951

Re: High Home Price-to-Income ratios - unhealthy?

Unfortunately I live in an area with a hot real estate market - Brooklyn. Buying is expensive, particularly if you hope to raise a family and have room for one. Where does the money come from? I found this article - http://www.forbes.com/sites/zillow/2013/04/16/high-home-price-to-income-ratios-hidi...
by William4u
Tue Dec 30, 2014 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Home Price-to-Income ratios - unhealthy?
Replies: 46
Views: 4834

Re: Car Recommendations for about 25k

I'd get a used car. A 2000 Civic would be perfect for your needs! :)
by William4u
Tue Dec 30, 2014 12:26 pm
 
Forum: Personal Consumer Issues
Topic: Car Recommendations for about 25k
Replies: 36
Views: 5256

Re: Why did gas mileage recently drop on my older CRV?

One aspect of DIY car maintenance is that you need physical access to the part. If the sensor can't be accessed without raising the vehicle, it's better to take it to a pro. Otherwise, you'll have to invest in a pair of car ramps that can safely support the CR-V. The car's tire jack is not intended...
by William4u
Sat Dec 27, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Why did gas mileage recently drop on my older CRV?
Replies: 50
Views: 3393

Re: Why did gas mileage recently drop on my older CRV?

I would bet on the upstream o2 sensor. That one (not the other downstream one on the catalytic converter) controls the fuel air mix. If it is a bit off it will often NOT trip the CEL (check engine light) but it can lower mileage by ~15%. Winter (due to cold, different winter fuel at the pump) could ...
by William4u
Sat Dec 27, 2014 1:25 am
 
Forum: Personal Consumer Issues
Topic: Why did gas mileage recently drop on my older CRV?
Replies: 50
Views: 3393

Re: Purchasing power parity

Then 300 pounds times .23 ounces of gold times 690 current dollars/ounce gives us $47,610 today's dollars. Whereas $1320 dollars (1800's) divided by $20/ounce times 690 current dollars/ounce gives us $45540 today's dollars. Pretty close. Just a minor detail, but the current spot price of gold is $1...
by William4u
Mon Nov 24, 2014 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Jane Austen's Economics
Replies: 60
Views: 17131

Re: If your networth is over $3 million, how did you do it?

If you have a household with two professional careers, it is easy if you live entirely off of one salary and invest the other in a simple 3-fund portfolio. In a couple of decades you will likely have well over $3 million.
by William4u
Tue Nov 11, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 301
Views: 46141

Re: How often do you change your car's oil?

Many (if not most) Toyota vehicles now require 0w20. Here is a quote from Toyota.com... Toyota vehicles in which 0w-20 synthetic oil is required (except for the 2TR-FE and 3UR-FBE Engines*) have been approved for extended oil change intervals of 10,000-miles/12-months. http://www.toyota.com/owners/w...
by William4u
Mon Nov 10, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12956

Re: Which ETF Portfolio is Better?

Option 1! Nothing beats the 3 fund portfolio for 90% of people.
by William4u
Sun Nov 09, 2014 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which ETF Portfolio is Better?
Replies: 8
Views: 1279

Re: Anyone using Page Plus Cellular

Can anyone specifically comment on coverage with Page Plus, coming from Verizon? Verizon is by far the best coverage for me, and every time I look, I'd only save ~$12/month, and am not sure I want to take the risk of loosing out on a solid plan (grandfathered unlimited data plan with $20 discount a...
by William4u
Wed Nov 05, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Anyone using Page Plus Cellular
Replies: 17
Views: 1015

Re: Is $700,000 enough to retire? Opinions please .

The average SS monthly check is now $1,262 for someone 65 or older. That does include some people who took SS early, and some people who did not contribute much to SS during their working life, but $2000/month sounds a bit high for someone taking SS at 65. I would guess that one would need to wait u...
by William4u
Sun Nov 02, 2014 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 86
Views: 12874

Re: A Challenge for Bogleheads - the market has changed

This kind of post is common here. People new to the forum claim to have discovered some fundamental flaw in the boglehead philosophy. The "flaw" is often presented with dramatic assertions, contentious economic theories, and misunderstandings of the boglehead philosophy. It is instructive,...
by William4u
Wed Oct 29, 2014 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: A Challenge for Bogleheads - the market has changed
Replies: 53
Views: 7137

Re: Most financially economical choice for a car

I buy used toyotas and drive them to 200k. Corollas Camrys and Avalons are nice.
by William4u
Wed Oct 29, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 4888

Re: I give in! three fund portfolio - need some advice

After tinkering w/ value tilting and REIT tilting I have discovered that the more I learn the more I don't know. This is one of the wiser things I have heard in a while. Despite the higher ER of 0.14%, I would go with VXUS rather than VEA/VWO. Both VEA (0.09%) and VWO (0.15%) are large cap funds. V...
by William4u
Mon Oct 27, 2014 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: I give in! three fund portfolio - need some advice
Replies: 10
Views: 1795

Re: How often do you change your car's oil?

10k or 12 months, whichever comes first. This is currently the Toyota recommendation for many of their cars on synthetic.
by William4u
Mon Oct 27, 2014 9:37 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12956

Re: Shoes for Plantar Fasciitis?

I had a serious case of this but it wasn't shoes or doctors that cured me. It was a simple little exercise my wife taught me. Maybe you've seen it but here it is: In your bare or stocking feet (shoes off), stand facing a wall about three or four feet away from the wall. Stretch out your arms, keep ...
by William4u
Mon Oct 20, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2706

Re: Shoes for Plantar Fasciitis?

I had a serious case of this but it wasn't shoes or doctors that cured me. It was a simple little exercise my wife taught me. Maybe you've seen it but here it is: In your bare or stocking feet (shoes off), stand facing a wall about three or four feet away from the wall. Stretch out your arms, keep ...
by William4u
Mon Oct 20, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2706

Re: Shoes for Plantar Fasciitis?

I used to get professional custom inserts for my PF. Now I use Powerstep inserts, and find that they work exactly the same as the custom ones (they work great).

http://www.amazon.com/Powerstep-Pinnacl ... 0049H2Z2G/
http://www.amazon.com/gp/product/B000V0IBCS/
by William4u
Mon Oct 20, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2706

Re: Dry Powder

The general rule is that, in the short term, the market goes up 2/3rds of the time and down 1/3rd. So why would I want to keep dry powder (which is just uninvested money destined for the stock market)? 2/3rds of the time, I'd be wrong to keep the money uninvested. In the last few years, there were f...
by William4u
Sun Oct 19, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: Dry Powder
Replies: 49
Views: 3605

Re: Best town I've never heard of [for relocating]

Suburbs of the Twin Cities. For example, Orono, MN Wayzata, MN Maple Grove, MN (2nd best place to live in US, according to Money Magazine this year - http://time.com/money/3312310/maple-grove-minnesota-best-places-to-live/ ) Plymouth, MN (been in Money's top ten list a few times recently) Woodbury,...
by William4u
Tue Oct 14, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 10579

Re: When people put all their eggs in the wrong basket

The Australians have us beat. Their system is much better for 90% of people...
http://business.time.com/2013/04/22/man ... nt-crisis/
by William4u
Wed Oct 08, 2014 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 30585

Re: Oatmeal suggestions

steel cut oats 2-3 t soy sauce 1 T scallions (or sauteed garlic or onion) 2 t fish sauce (optional) 2-3 t toasted sesame oil chopped scrambled egg (optional) rooster hot sauce to taste pepper to taste Some other oatmeal ideas from Mark Bittman of the NYTimes... http://www.today.com/id/41864160/ns/to...
by William4u
Sat Oct 04, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 147
Views: 13410

Re: Is my husband a spendthrift? Or I a tightwad?

Sounds to me like you are living beyond your means. I'd go back to the drawing board and take another look at your goals and priorities. It sounds like you are focusing on the little things yet ignoring the HUGE payments you are making for childcare, housing, cars, and vacations. You could fix most...
by William4u
Wed Oct 01, 2014 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 17469

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 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: vanguard etf commissions
Replies: 8
Views: 1017

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 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggested Fidelity Indx funds for Solo 4O1K
Replies: 13
Views: 878

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 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 5180

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 9:38 pm
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 50
Views: 4400

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 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Increasing Bond Holdings/International Equities
Replies: 13
Views: 1602

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 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering slice and dice -- need help choosing funds
Replies: 18
Views: 692

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 12:35 pm
 
Forum: Personal Consumer Issues
Topic: Tree trimming cost
Replies: 30
Views: 2877

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 12:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Anybody manage a rental property long distance?
Replies: 13
Views: 913

Re: Disappointed in Vanguard customer service

I've only had positive experiences with the CSRs too.
by William4u
Sat Sep 27, 2014 4:26 pm
 
Forum: Investing - Theory, News & General
Topic: Disappointed in Vanguard customer service
Replies: 38
Views: 4535

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 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is VXF tax efficient?
Replies: 11
Views: 767

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 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it worth higher expense ratios to value tilt?
Replies: 6
Views: 620

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 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is VXF tax efficient?
Replies: 11
Views: 767

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 11:58 am
 
Forum: Investing - Theory, News & General
Topic: It's pretty freaky watching your stocks go up & down all day
Replies: 60
Views: 6139

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 11:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 6172

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 11:46 am
 
Forum: Investing - Theory, News & General
Topic: It's pretty freaky watching your stocks go up & down all day
Replies: 60
Views: 6139

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 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: No Vanguard in our 401k
Replies: 10
Views: 966

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 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: No Vanguard in our 401k
Replies: 10
Views: 966

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 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: Can Active Fund Strategy Beat Vanilla Index Fund?
Replies: 26
Views: 1947

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 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio Vs. Vanguard Advisor Recommendations
Replies: 15
Views: 1934

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 11:26 am
 
Forum: Investing - Theory, News & General
Topic: Can Active Fund Strategy Beat Vanilla Index Fund?
Replies: 26
Views: 1947

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 10:16 am
 
Forum: Personal Consumer Issues
Topic: What to do with an older car?
Replies: 22
Views: 1484

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
Tue Sep 23, 2014 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio Vs. Vanguard Advisor Recommendations
Replies: 15
Views: 1934

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 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help protecting assets (marriage)
Replies: 46
Views: 4693
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