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Re: Lost $10K in my investments past few months

It is hard to complain about Biotech funds. The FBTAX fund is up 22% over the last 12 months, even though it has dropped 20% in the last month. Not too shabby.
by William4u
Tue Apr 15, 2014 12:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost $10K in my investments past few months
Replies: 36
Views: 4322

Re: The slackening...

It is at least as difficult to be successful in raising children as it is to be successful in a career. I know some people who throw their efforts into one, and some who throw their efforts into the other. They are both full time jobs that take full intellectual, emotional, and physical effort. I kn...
by William4u
Tue Apr 15, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: The slackening...
Replies: 57
Views: 5798

Re: young doctor, taking over my own investments...

Also, an extra 1% annual ER over 40 years can easily take 1/3rd of your retirement money. So, instead of $3 million, you would have only $2 million for no good reason. See this data from Vanguard... CUMULATIVE IMPACT OF FEES: ................................. Annual Fee ............ .0.10% ....... 0...
by William4u
Sun Apr 13, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young doctor, taking over my own investments...
Replies: 24
Views: 2529

Re: young doctor, taking over my own investments...

A good rule of thumb is to avoid all mutual funds that have an ER (Expense Ratio) of more than 0.20%. Others have mentioned that the Lord Abbett Funds are ridiculous (and they are) due to needlessly high ERs. Definitely get rid of all the Lord Abbett Funds! If I were you, I'd put 100% of my Keogh in...
by William4u
Sun Apr 13, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young doctor, taking over my own investments...
Replies: 24
Views: 2529

Re: How to encrypt files for backup?

IMHO, 7-zip is the easiest, free, and as secure as the others. If you ZIP a file with a password, anyone with the password can open it on a windows or mac machine without any special software. All computers can open an encrypted ZIP file, as long as they have the password.

http://www.7-zip.org/
by William4u
Sat Apr 12, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: How to encrypt files for backup?
Replies: 22
Views: 1213

Re: Vanguard S&P 500 vs Total Stock

Total Stock Market Index = 500 Index + Extended Market Index The 500 Index is the most tax efficient of the three. The Extended Market Index has better returns of the three... even after taxes. The 500 Index has a higher dividend yield than Total Index right now, which would indicate that the 500 I...
by William4u
Sat Apr 12, 2014 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard S&P 500 vs Total Stock
Replies: 17
Views: 2917

Re: To MBA or not MBA?

I have a number of family and friends who have gotten MBAs from good places. They all say that the programs really pushed them intellectually, and they are much smarter now as a result. Even if you make the same lifetime salary (all things considered), you will have more opportunities and be smarter...
by William4u
Tue Apr 08, 2014 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: To MBA or not MBA?
Replies: 57
Views: 4496

Re: 31 yr old w/ $500k @ EdwardJones

I feel sick that I neglected taking responsibility for making these decisions and not keeping a better eye on the excess charges. Most of us have had this sickness. Perhaps the only way to build up immunity. Kind of like chicken pox, much better if you get it when you are young. +1 My wife and I we...
by William4u
Fri Apr 04, 2014 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 31 yr old w/ $500k @ EdwardJones
Replies: 26
Views: 3543

Re: 31 yr old w/ $500k @ EdwardJones

I agree with Taylor and the other posters. This is ridiculous. You are young, so fix this now before it takes a huge bite out of your retirement. An extra 1% in fees, after 40 years, easily reduces your retirement by 1/3rd. Do you want to retire on 1/3rd less? For example, you would retire on $2 mil...
by William4u
Fri Apr 04, 2014 7:04 am
 
Forum: Investing - Help with Personal Investments
Topic: 31 yr old w/ $500k @ EdwardJones
Replies: 26
Views: 3543

Re: Deleted Thread?

I'm glad that the moderators run a tight ship, so to speak. I makes the forum work well.
by William4u
Mon Mar 31, 2014 6:03 pm
 
Forum: Forum Issues and Administration
Topic: Deleted Thread?
Replies: 17
Views: 829

Re: Options for the medical grad but no residency

Docs make good money, but top half of 1% of US as a typical physician income? Hardly. There are certainly physicians in the 0.5%, but they are far from typical. Average income in the high income specialties is about the 1% threshold. The top 1% annual income in the US starts at $394,000 (according ...
by William4u
Sat Mar 22, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7153

Re: Will VSS, VNQI ER Estimates Be Lowered Soon? [Yes]

The Vanguard International Explorer Fund (VINEX) ER went from 0.45 to 0.36%, which is also nice.
by William4u
Thu Feb 27, 2014 10:57 pm
 
Forum: Investing - Theory, News & General
Topic: Will VSS, VNQI ER Estimates Be Lowered Soon? [Yes]
Replies: 23
Views: 2276

Re: Vanguard Tot Intl and Emerging Markets just got cheaper

I hope the mutual fund version of VSS gets rid of its 0.25% purchase fee and 0.25% sell fee. It would make it cheaper for me to buy than Vanguard International Explorer Fund Investor Shares (VINEX). My 401k has both mutual funds, but no ETFs.
by William4u
Thu Feb 27, 2014 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Tot Intl and Emerging Markets just got cheaper
Replies: 49
Views: 4400

Re: Snow Removal Service Surcharge?

I'm sure there will be some disagreement about this. I would pay if it is fair, even if the contract did not require it. These people work pretty darn hard, don't get paid a ton, and the extra expense won't break most people who use the service. Just my 2 cents.
by William4u
Thu Feb 27, 2014 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Snow Removal Service Surcharge?
Replies: 5
Views: 390

Re: How to Convert Someone That Doesn't Want to Be Converted

Send him this link....

http://vanguardblog.com/2011/10/28/stop ... f-returns/

It explains that a 2% fee over 40 years will likely wipe out more than 50% of the value of the investments. Does he want to have 50% less money?
by William4u
Mon Feb 24, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Convert Someone That Doesn't Want to Be Converted
Replies: 50
Views: 2920

Re: Am I buying "high" on index investing?

The Bogleheads philosophy has much to recommend it, but too often it comes across when newbies as questions as if it were a religion based on the Words of Great Teachers rather than an approach based on carefully thought out reasoning that can be questioned. This poster was showing signs of employi...
by William4u
Sun Feb 23, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Am I buying "high" on index investing?
Replies: 27
Views: 3597

Re: Investing in America and the World?

Don't overthink this. When you invest in a Total Market Index Fund you are investing in nearly every marketable corporation in that index. Overall , U.S. and International corporations have grown larger and more profitable for more than 200 years. If you think this growth will continue (as I do) it...
by William4u
Sun Feb 23, 2014 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: Am I buying "high" on index investing?
Replies: 27
Views: 3597

Re: Attic Insulation Retrofit: Spray Foam Insulation

As somebody else mentioned, I think spray foam is easily several times more expense than fiberglass or cellulose insulation. Before I spent that kind of money I would check everything else possible first. 1. Are your ducts sealed? Look for joints and registers where the ductwork may have come loose...
by William4u
Wed Feb 19, 2014 3:54 pm
 
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 40
Views: 2972

Re: Leased a Civic, Need Something Bigger

Even if one gets an SUV or AWD, one still needs the winter tires. It is essential in snow and cold. Even without snow, the stopping distance is much better below 40 degrees.
by William4u
Tue Feb 18, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Leased a Civic, Need Something Bigger
Replies: 14
Views: 1211

Re: Leased a Civic, Need Something Bigger

I live in a very cold snow area, and I have a Corolla with winter tires. My car blows away the AWD cars (w/ All Season Tires) in the snow. Not even close. The snow grip is amazing. No need to change cars; you only need to change tires. See this video...

http://youtu.be/mfuE00qdhLA
by William4u
Tue Feb 18, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Leased a Civic, Need Something Bigger
Replies: 14
Views: 1211

Re: Good Idea to Sell Old Home To Upgrade To Newer Home?

"Home is where the heart is." Any home, so long as it is safe, can be "our home." I'd try to have a honest discussion of priorities and values. For example, the cost of an upgrade to a new house (if invested in a mutual fund for 20 years) might pay for a couple years of college t...
by William4u
Fri Feb 14, 2014 10:33 pm
 
Forum: Personal Consumer Issues
Topic: Good Idea to Sell Old Home To Upgrade To Newer Home?
Replies: 33
Views: 2264

Re: Low Income Budget

I am getting my degree from a local public community college. So I didn't spend a ton of getting it. In fact I've cash flowed all the expenses so I will be graduating debt free. I chose that degree because it was something I enjoyed doing. I don't expect it to make me rich. But it is something I ca...
by William4u
Thu Jan 30, 2014 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low Income Budget
Replies: 70
Views: 3853

Re: Low Income Budget

Hi. I want to be as polite as possible, and I certainly do not want to be rude, but I feel I must say something about your "Web Design Degree." These degrees come almost entirely from for-profit "colleges," and the degrees are almost always not worth the paper they are printed on...
by William4u
Thu Jan 30, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low Income Budget
Replies: 70
Views: 3853

Re: Low Income Budget

Since you are young and healthy, EDUCATION is the best way to increase lifetime earnings. The world needs nurses, for example, of every gender (and it pays many, many times what you make). There are many other jobs out there. The best investment in your twenties is to get a higher education. Talk to...
by William4u
Thu Jan 30, 2014 1:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Low Income Budget
Replies: 70
Views: 3853

Re: Download your "paperless statements" frequently

Wood heat is (obviously) available in your area and is a small fraction of the cost of oil heat. A wood stove can be found on craigslist and/or professionally installed, and will pay for itself quickly.
by William4u
Wed Jan 29, 2014 2:09 am
 
Forum: Personal Consumer Issues
Topic: Download your "paperless statements" frequently
Replies: 42
Views: 4374

Re: What's your dream car?

My dream car: a plug-in AWD Prius V. It doesn't exist (except in my dreams).
by William4u
Fri Jan 24, 2014 12:43 am
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8923

Re: Small caps overvalued?

I'd like to see a comparison between the PE10 of the following indexes:

1. Large Cap Value
2. Mid Cap Value
3. Small Cap Value

Where would I go to find that PE10 info on those indexes? Is there a way to compare international and domestic on each?
by William4u
Thu Jan 23, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Small caps overvalued?
Replies: 55
Views: 7381

Re: Fidelity 2% Amex Cardholders: Autopay the Bill?

How long does it take for the Amex card rewards to be deposited into the Fido account?
by William4u
Wed Jan 22, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex Cardholders: Autopay the Bill?
Replies: 31
Views: 2671

Re: Beginner Investing with $1000

Easy- Get a Target Date Fund... https://personal.vanguard.com/us/funds/ ... IntExt=INT

Done and done!
by William4u
Tue Jan 21, 2014 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginner Investing with $1000
Replies: 10
Views: 794

Re: 403b investment options change

The FID FREEDOM K 2040 annual cost is almost 10 times (10x) more expensive than the S&P 500 fund, and is about 80% the same for the next 20 years. It would be slightly more agressive, but much less expensive. According to the Vanguard blog, over 40 years an extra 0.5% expense ratio takes away ab...
by William4u
Mon Jan 06, 2014 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b investment options change
Replies: 15
Views: 868

Re: Single & Frugal or Coupled & (Financially) Incompatible?

Granted, my perspective is a bit jaded by the 20- & 30-something guys in my social circle who tend to have at least two of the following three characteristics: 6-figure debt, paycheck-to-paycheck lifestyle, and a "Keeping Up with the Joneses" mentality. The issue here is NOT financial...
by William4u
Fri Jan 03, 2014 1:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Single & Frugal or Coupled & (Financially) Incompatible?
Replies: 77
Views: 5594

Re: Anyone use the Obi VOIP device?

runner, Most of the VOIP service providers like voip.ms, anveo and callcentric allow you to get a new number for your incoming calls. The selection of new numbers is limited so it may be difficult to get a number with the area code you would like. The providers each have different billing schemes f...
by William4u
Thu Jan 02, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Anyone use the Obi VOIP device?
Replies: 28
Views: 2127

Re: PenFed 5/5 ARM (people who have used this, or similar AR

That said, not too many Bogleheads would take on a mortgage loan that exceeds 15 years in duration. Based on what? Well, I am a boglehead and I wouldn't (where I live) take out a loan that exceeds a 15 year duration. First, I get a much better interest rate. Second, as a not untypical boglehead, I ...
by William4u
Mon Dec 23, 2013 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed 5/5 ARM (people who have used this, or similar ARMs)
Replies: 20
Views: 1622

Re: Dying mothers last wish. (Ethical question)?

That does sound odd. I have (sadly) been to a number of funerals, and at none of them has anyone asked for money for anything but a legitimate charitable organization.
by William4u
Mon Dec 16, 2013 3:22 pm
 
Forum: Personal Consumer Issues
Topic: Dying mothers last wish. (Ethical question)?
Replies: 22
Views: 2993

Re: A Modest Proposal [adding off-topic board]

My wife and I have, on a number of occasions, commented to each other in private that the Bogleheads forum is one of the best moderated forums on the internet. Without assiduous moderation, this forum would not be nearly as good as it is. We have especially appreciated LadyGeek's work keeping things...
by William4u
Sat Dec 14, 2013 7:47 pm
 
Forum: Forum Issues and Administration
Topic: A Modest Proposal [adding off-topic board]
Replies: 76
Views: 4409

Re: Traveling Wifi ?

We use this. It is cheap portable WiFi that works well and never expires. It works on the Sprint network, and we use it when we are traveling on the interstate.

http://www.engadget.com/2012/06/20/prep ... i-walmart/
by William4u
Thu Dec 12, 2013 7:52 pm
 
Forum: Personal Consumer Issues
Topic: Traveling Wifi ?
Replies: 31
Views: 2402

Re: How Can I Avoid High RMDs?

Would the OP really have been better off financially if he or she invested that money in a taxable account instead (the initial investments after taxes being significantly LESS than he did in the tax deferred accounts) over the last few decades? Is it really better to invest less money up front afte...
by William4u
Wed Dec 11, 2013 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Can I Avoid High RMDs?
Replies: 38
Views: 3235

Re: Best new car-under $30K

Camry hybrid. CR loves it, and I do as well. 40mpg, a good engine, good room, comfy ride.
by William4u
Wed Dec 11, 2013 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Best new car-under $30K
Replies: 44
Views: 4009

Re: Verizon FIOS and OOMA

How much do you pay per month with OOMA in taxes and fees?
by William4u
Tue Dec 10, 2013 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Verizon FIOS and OOMA
Replies: 15
Views: 2125

Re: Tips for buying a $2,000 car

I bought a car for exactly that amount recently (an older toyota), and I got it off craigslist in a large city. Before I bought it, I had my mechanic give it a good look. It had some issues that needed fixing, but was overall in good shape. However, I had to check craigslist a few times a week for a...
by William4u
Tue Dec 10, 2013 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Tips for buying a $2,000 car
Replies: 31
Views: 2173

Re: I just inherited $1 million

Here is an answer to the explicit, ETF part of the question: If you put it all in VT (vanguard total world etf), you would own (close enough to) virtually every stock in the world. Now THAT is diversification! You could get the same effect, for a little lower ER, by doing half VTI and half VXUS. How...
by William4u
Sat Dec 07, 2013 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: I just inherited $1 million
Replies: 65
Views: 10084

Re: Page Plus question

Just buy a gusto off ebay under the listing "page plus gusto." Prepaid won't work, but ebay resellers have plenty that will work.
by William4u
Thu Dec 05, 2013 12:26 am
 
Forum: Personal Consumer Issues
Topic: Page Plus question
Replies: 2
Views: 288

Re: Safest cars for under $30k?

According to Consumer Reports, ESC (electronic stability control) can prevent 50% of serious accidents in cars, and it is now required on all new cars (2012 and newer)... Quote from CR: "Consumer Reports has noted that ESC is the most important safety feature since the advent of the seat belt....
by William4u
Mon Nov 25, 2013 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Safest cars for under $30k?
Replies: 40
Views: 2611

Re: Safest cars for under $30k?

According to Consumer Reports, ESC (electronic stability control) can prevent 50% of serious accidents in cars, and it is now required on all new cars (2012 and newer)... Quote from CR: "Consumer Reports has noted that ESC is the most important safety feature since the advent of the seat belt.&...
by William4u
Sun Nov 24, 2013 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Safest cars for under $30k?
Replies: 40
Views: 2611

Re: Water Purification

We have one of those big two-stage under the sink filters, which now works great (but this wasn't always the case). The filters that came with the unit were not good. The replacements were not good, mostly since one stage was just a sediment filter, and the next was a cheap carbon filter. We replace...
by William4u
Sat Nov 23, 2013 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Water Purification
Replies: 12
Views: 647

Re: Should I sell my car?

I'd change car insurance companies, and get the legal minimum. Consumer Reports recommends shopping around every three years. I do this and get a much lower insurance rate as a result.
by William4u
Sat Nov 23, 2013 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I sell my car?
Replies: 20
Views: 1454

Re: "Slice and Dicers"

For me, the most important funds for a slice and dicer are... 1. Vanguard Small Cap Value. 2. Vanguard Mid Cap Value. 3. Vanguard (Large Cap) Value. I lean a bit to the small and value factors. I add mid and large value to my portfolio for diversification and risk management. I also like being in so...
by William4u
Wed Nov 20, 2013 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: "Slice and Dicers"
Replies: 39
Views: 2919

Re: Thinning hair/ hair loss products

I'm lucky enough to be married to someone who is happy whether or not I am bald. And if my wife is happy, I am happy.
by William4u
Wed Nov 20, 2013 11:23 am
 
Forum: Personal Consumer Issues
Topic: Thinning hair/ hair loss products
Replies: 35
Views: 2021

Re: Bogle-approved spend on a car?

What percentage of your net worth would you say is not stupid to spend on a car? I don't think one should think in terms of a percentage of net worth. I think would be stupid (in most cases) to forego tax-deferred retirement savings to buy a more expensive car beyond one's basic needs. Figuring out...
by William4u
Wed Nov 20, 2013 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Bogle-approved spend on a car?
Replies: 68
Views: 4046

Re: A spectacular movie, and a terrible movie

I thought Crash was very terrible as well. The worst part is that I was telling my sociology professor how bad the acting and premise was.. turns out she loved it! :| I didn't think Crash was a good movie (not terrible, but not good). Plus, Brokeback Mountain was also up for best picture that year,...
by William4u
Sun Nov 17, 2013 7:12 pm
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 9153
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