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Re: Fidelity Contrafund

Contrafund has been recommended in many articles related to retirement accounts, and was claimed to beat S$P500 for many years. I had it before I knew anything about index funds and boglehead stuffs. I got rid of it after I understood the index funds and never regretted. Even in my wife's account w...
by William4u
Thu Apr 23, 2015 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund
Replies: 32
Views: 4185

Re: [What is safest vehicle on the road today that I can buy

While some may consider this non-responsive, the first order determinant of chances of dying in an auto accident is exposure in miles driven per year and selection of what roads are used. A person concerned enough to exhaustively study vehicle selection should also exhaustively consider how to redu...
by William4u
Thu Apr 23, 2015 10:02 am
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 80
Views: 4128

Re: Fidelity Contrafund

Contrafund has been recommended in many articles related to retirement accounts, and was claimed to beat S$P500 for many years. I had it before I knew anything about index funds and boglehead stuffs. I got rid of it after I understood the index funds and never regretted. Even in my wife's account w...
by William4u
Thu Apr 23, 2015 2:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund
Replies: 32
Views: 4185

Re: [What is safest vehicle on the road today that I can buy

The safest car in the safest category isn't necessarily the safest car. He wants the safest car, not the safest car in the safest category. The safest car might be a smaller car even though it isn't in the safest category. It might not even be listed as the "safest car" in its category. T...
by William4u
Thu Apr 23, 2015 2:11 am
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 80
Views: 4128

Re: What is safest vehicle on the road today?

https://www.yahoo.com/autos/bp/death-proof-cars--study-finds-nine-models-with-zero-driver-fatalities-190624666.html 9 death-proof car models. I'd pick the heaviest of the bunch. That's probably the Sequoia. If you get one of the safer sedans, you can get the mortality rate down to about 5 per milli...
by William4u
Thu Apr 23, 2015 12:28 am
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 80
Views: 4128

Re: Living in New Hampshire?

Pros: Live Free Or Die! First-in-the-nation primary First and only state to have ever had all-female US Congressional delegation Location of highest land wind speed ever recorded Location of the nation's first credit union (a particularly exciting fact for Bogleheads) Highest median income by state...
by William4u
Wed Apr 22, 2015 11:49 pm
 
Forum: Personal Consumer Issues
Topic: Living in New Hampshire?
Replies: 35
Views: 2243

Re: What is safest vehicle on the road today?

http://i59.tinypic.com/jaam3n.png These are just averages for each category. There is a lot of variation within each category. The average Princeton graduate makes more money than the average UVA graduate, but there is a lot of variation within each class. There are many UVA grads that make more mo...
by William4u
Wed Apr 22, 2015 11:16 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 80
Views: 4128

Re: Motorcycles!

Get what you're comfortable with, if needed, add extra lights both front and rear but don't overload your electrical system. LED's are now the favorites.... The excuse is usually, "But I just DIDN'T SEE HIM Officer" !!! I also use headlight modulators which are legal in all 50 states and ...
by William4u
Wed Apr 22, 2015 10:48 pm
 
Forum: Personal Consumer Issues
Topic: Motorcycles!
Replies: 36
Views: 1884

Re: Motorcycles!

IMHO a small cruiser bike is the best way to learn. Once you master that, you can get a bigger or more powerful bike. I have a Yamaha 550 Maxim, and it is an ideal starter bike. I have also driven my friend's 1400 Moto Guzzi on a cross country trip. I wouldn't start with a big bike or a fast one.
by William4u
Wed Apr 22, 2015 10:39 pm
 
Forum: Personal Consumer Issues
Topic: Motorcycles!
Replies: 36
Views: 1884

Re: Living in New Hampshire?

My husband grew up in a small town in northern New Hampshire, which is very cold, and snowy, in the winter. Think waking up to 17 below on some days. And unless your family arrived in the early 1800's, you will always be a newcomer. If you enjoy hiking, skiing (downhill or cross country) and biking...
by William4u
Wed Apr 22, 2015 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Living in New Hampshire?
Replies: 35
Views: 2243

Re: minnesota mtg | may-2 | bloomington library | awesome

Thanks for the info. My wife and I hope to make it, but we can't be sure yet. If we become sure, we will RSVP. Have fun!
by William4u
Wed Apr 22, 2015 9:15 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: minnesota mtg | may-2 | bloomington library | awesome
Replies: 2
Views: 213

Re: “Entry level” luxury cars under 40k

The lexus ES300h starts around 41k, and is a great car.
by William4u
Tue Apr 21, 2015 9:26 pm
 
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 92
Views: 7542

Re: "How much of your portfolio is in index funds, and why?"

All of my stocks are now in index funds (I got rid of my DRIPs) except a little in Vanguard International Explorer.
by William4u
Tue Apr 21, 2015 9:24 pm
 
Forum: Investing - Theory, News & General
Topic: "How much of your portfolio is in index funds, and why?"
Replies: 56
Views: 4853

Re: Broken Oxygen Sensor on Car

It is pretty easy to change the O2 sensor yourself, as others have said. There is a 3 minute youtube video showing exactly how to do it for just about any car. You can watch the video for your car and see if you want to do it yourself. Auto parts stores will rent you the O2 socket for free. An O2 se...
by William4u
Tue Apr 21, 2015 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 40
Views: 2229

Re: Researching Used Car Price - Any data available?

Edmunds is good. A large city's craiglist gives good info most of the time. When there are 1000 of the same car being sold at once on craigslist, people tend to get the prices pretty accurate.
by William4u
Sat Apr 18, 2015 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Researching Used Car Price - Any data available?
Replies: 3
Views: 265

Re: Helping future wife invest.

A Target Retirement Fund is a good place to start (and finish for that matter). If she owned nothing but one Target Date Fund, she would do better than 90% of investors.

https://investor.vanguard.com/mutual-fu ... irement/#/
by William4u
Tue Apr 14, 2015 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping future wife invest.
Replies: 3
Views: 456

Re: Best investment in a Taxable Account ?

Index funds such as the Total Stock Market and Total International Stock Market x-US. If you want to add some bonds the Intermediate Term Tax-Exempt or a Tax-Exempt Bond Fund that may exclude your own states' taxes would be appropriate. +1 Personally, I only add VTI (Total Stock Market Index) in my...
by William4u
Sun Apr 12, 2015 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best investment in a Taxable Account ?
Replies: 11
Views: 1282

Re: Buy a condo for college student or rent?

Dorms are ideal for study. Anything else is second rate.
by William4u
Sat Apr 11, 2015 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college student or rent?
Replies: 34
Views: 3065

Re: Car maintenance/time to change car?

Page 20 of Consumer Reports' April 2015 had a decision tree about whether to buy a new car. It goes like this... Concerned for safety? Yes... Does it have ESC? No... Then buy a car with ECS immediately! ECS makes a car much safer. Toyota made it standard in 2010, and all others by 2012. http://www.h...
by William4u
Fri Apr 10, 2015 9:43 pm
 
Forum: Personal Consumer Issues
Topic: Car maintenance/time to change car?
Replies: 27
Views: 2370

Re: Cost of College & Weighing the Merits of Top Schools

livesoft wrote:Tenure was written about in this thread about science PhDs: http://www.bogleheads.org/forum/viewtop ... 62#p768662


Wow. That thread should be required reading for anyone considering a science (or even non-science) PhD. To be fair, however, many other career tracks are also very tough.
by William4u
Fri Apr 10, 2015 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16673

Re: Cost of College & Weighing the Merits of Top Schools

Harvard, etc. Essentially free. If your kid gets accepted into an elite college, you've hit a major financial jackpot in terms of lower costs. Yup. HYPS are practically free if you aren't rich. Harvard is literally free if your household income is under $100k/year. $150k households only pay 10% of ...
by William4u
Thu Apr 09, 2015 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16673

Re: Cost of College & Weighing the Merits of Top Schools

Wow, fascinating stuff. I was one of those PhDs from a non-top tier school who never landed a tenure track job. I could've hopped from college to college on annual contracts, but what kind of life is that? Anyway, changed directions and ended up with a much more lucrative and satisfying career. Mar...
by William4u
Thu Apr 09, 2015 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16673

Re: Anyone in VFSVX? Why?

Until recently, VFSVX had hefty purchase and redemption fees. This partly accounts for why so much more is in the VSS EFT than in the VFSVX Mutual Fund. Now there are no purchase/redemption fees at all! Some people mentioned above that there was still a fee, but there is not. Woohoo! Woohoo indeed!...
by William4u
Thu Apr 09, 2015 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone in VFSVX? Why?
Replies: 70
Views: 10505

Re: Anyone in VFSVX? Why?

I have a retirement account that only allows for Vanguard Investor Shares, which means no ETFs and no Admiral Funds. In that account, the 37bp cost of VFSVX is pretty good. The cheapest fund I can get there is Total Domestic Index for 17bp, but I have plenty of that in other accounts. Like others, I...
by William4u
Thu Apr 09, 2015 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone in VFSVX? Why?
Replies: 70
Views: 10505

Re: Cost of College & Weighing the Merits of Top Schools

Yup. Less than 5% of PhD students will ever get tenured position at a college or university. The Ivy League (and equivalent) programs graduate enough PhDs to fill most all the tenure-track positions. A sizable portion of the Ivy League PhD try and fail to secure a tenure-track job. What's your sour...
by William4u
Thu Apr 09, 2015 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16673

Re: Cost of College & Weighing the Merits of Top Schools

From reading the Economist 's report on Universities, I've got an impression that HYPS PhDs are welcomed in Asian (particularly, Chinese) and Middle Eastern universities. Victoria Yes indeed. Many of the PhDs who would have gotten good jobs in the U.S. 30 years ago are now getting those jobs in Asi...
by William4u
Thu Apr 09, 2015 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16673

Re: Cost of College & Weighing the Merits of Top Schools

I got two degrees from Ivy League colleges and while I loved every minute of it, I don't think they are worth it financially in most situations. If you want to pursue a very specific track (management consulting, BigLaw, hedge fund/private equity), I think the signalling effect of the name might be...
by William4u
Thu Apr 09, 2015 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16673

Re: Cost of College & Weighing the Merits of Top Schools

...For example: My cousin went to Yale for undergrad and wanted to be a doctor. She came out with okay grades, but switched majors (premed to business) as she wasn't able to compete with the other kids. Now I can GAURANTEE if she went to a State school or equivalent she would have dominated and got...
by William4u
Thu Apr 09, 2015 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16673

Re: Rick Ferri looking to internationalize his portfolio

Just for some perspective...

As of today, YTD Vanguard Total International Index is up 5.94%.

YTD Vanguard Total Domestic Index is up 1.31%.

I've been 60/40 domestic/international for some time, and I'm staying the course.
by William4u
Sun Apr 05, 2015 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 349
Views: 46138

Re: [living in] Minneapolis-St. Paul

BahamaMan wrote:
William4u wrote:As Garrison Keillor says, we are above average!


And all of the Men are Good Looking !


I like to think so!
by William4u
Wed Apr 01, 2015 7:01 pm
 
Forum: Personal Consumer Issues
Topic: [living in] Minneapolis-St. Paul
Replies: 55
Views: 3261

Re: [living in] Minneapolis-St. Paul

Minnesota is rated the #1 state in healthcare, according to the federal Agency for Healthcare Research and Quality... http://www.startribune.com/lifestyle/health/161871085.html We were the #1 state for having the lowest violent crime rate, but we are #2 now (NH is now #1). We are also #1 in outdoor ...
by William4u
Wed Apr 01, 2015 2:52 pm
 
Forum: Personal Consumer Issues
Topic: [living in] Minneapolis-St. Paul
Replies: 55
Views: 3261

Re: [living in] Minneapolis-St. Paul

I can attest that the MN Boglehead group is great. If you move there, definitely go to the meetings. I basically agree with all the positive things mentioned above.
by William4u
Wed Apr 01, 2015 10:07 am
 
Forum: Personal Consumer Issues
Topic: [living in] Minneapolis-St. Paul
Replies: 55
Views: 3261

Re: My car is (supposedly) totaled. What to do?

#2 for sure, as long as it is safe. I actually own a 99 corolla with 150k miles, and it runs like a top!
by William4u
Wed Apr 01, 2015 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: My car is (supposedly) totaled. What to do?
Replies: 26
Views: 2279

Re: [living in] Minneapolis-St. Paul

Here is a PBS video from this week... http://www.pbs.org/newshour/bb/american-dream-alive-twin-cities-everyone/ The video talks about how the Twin Cities is the best area to live in for Millennials. It is a great place if you like road biking (190 miles of paved bike/walk trails). TCBC is a great bi...
by William4u
Tue Mar 31, 2015 5:36 am
 
Forum: Personal Consumer Issues
Topic: [living in] Minneapolis-St. Paul
Replies: 55
Views: 3261

Re: Can I afford a $500,000 house?

Unless there is a significant and pressing problem that would be solved by buying, I'd stick with the current house and reassess when the kids are out of the house.
by William4u
Sun Mar 29, 2015 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $500,000 house?
Replies: 41
Views: 4985

Re: Smartest Financial Move You Ever Made

I feel like I'm reading my own story in many posts here. (#1) Marrying an intelligent, frugal spouse lead to... (#2) our living below our means and buying a good-but-inexpensive material goods including house, cars, etc., and (#3) our maxing out our tax advantaged and taxable investments in index fu...
by William4u
Sun Mar 29, 2015 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 13770

Re: Value investing doesn't even beat the S&P 500

Admitting that the behavior gap applies to oneself is an important part of investing. It requires the virtue of humility ("I am not super-human, and I will likely make mistakes that others have made."). I suspect that the behavior gap is even wider (on average) for investors who buy indivi...
by William4u
Sat Mar 28, 2015 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Value investing doesn't even beat the S&P 500
Replies: 55
Views: 5782

Re: repair or replace old car?

Update: car back from repair and works great. I missed it while it was away. Shop said it should run for a long time now. It's due for another timing belt at 220,000 miles (last at 130k) but that's probably 2.5 years away at my current driving rate, so I'm good for a while. Thanks to all who provid...
by William4u
Sat Mar 28, 2015 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: repair or replace old car?
Replies: 26
Views: 2581

Re: Graduating Medical Student- Rent vs. Buy in Residency

For all the reasons above, rent!
by William4u
Thu Mar 26, 2015 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Medical Student- Rent vs. Buy in Residency
Replies: 45
Views: 3075

Re: Restaurant tipping

My general rule is that if the service was bad enough for the server to deserve <15% tip, then it was bad enough to talk to the manager about. Otherwise, you're not being helpful, just cheap Yup. I give 20% typically. 15% if it was mediocre but not "talk to manager" bad. Below 15% and the...
by William4u
Thu Mar 26, 2015 10:24 am
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 12504

Re: Where do I learn how much one SHOULD spend on a home?

I'd rent until I was married with a child on the way!
by William4u
Tue Mar 24, 2015 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do I learn how much one SHOULD spend on a home?
Replies: 64
Views: 5309

Re: International is disappointing

YTD Vanguard Total International Index is up 3.5%. YTD Vanguard Total Domestic Index is up 1.33%. I'd stay the course. Interesting, keeps one grounded, thanks As of today, YTD Vanguard Total International Index is up 6.19% . YTD Vanguard Total Domestic Index is up 3.54% . It does give some perspect...
by William4u
Sat Mar 21, 2015 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7392

Re: International is disappointing

YTD Vanguard Total International Index is up 3.5%.

YTD Vanguard Total Domestic Index is up 1.33%.

I'd stay the course.
by William4u
Wed Mar 18, 2015 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7392

Re: 403b Question

Here is what I would do if there is no company match and 1-2% fees. 1. First, both of you should max out your IRAs. Roth IRAs are usually best if you are youngish. 2. Second, if you have more to invest and don't need the money until retirement, I would contribute to the 403b. You are likely to chang...
by William4u
Wed Mar 18, 2015 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b Question
Replies: 26
Views: 1935

Re: how often do you check performance?

I watch the news, so it is hard not to have some idea of what is going on. However, I only check my accounts in any detail a couple of times a year.
by William4u
Wed Mar 18, 2015 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: how often do you check performance?
Replies: 70
Views: 4847

Re: Should I sell my car?

Sell ASAP. It loses value fast, and sitting is very bad for a car. Just buy another one when you get back. It will be cheaper and in better shape without the pain of storage.
by William4u
Mon Mar 16, 2015 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I sell my car?
Replies: 12
Views: 1062

Re: How do you switch from three-fund to managed fund?

It depends on what and how much you have in taxable (more info might help, even percentages are ok). Depending of what you have, I might just leave the taxable portion alone if it was 100% stocks, and just (for the sake of ease) count it as part of my stock portion. Then I would use either a Lifestr...
by William4u
Mon Mar 16, 2015 5:30 am
 
Forum: Investing - Theory, News & General
Topic: How do you switch from three-fund to managed fund?
Replies: 1
Views: 434

Re: American Funds beats the market 97% of the time?

According to today's NYTimes article "How Many Mutual Funds Routinely Rout the Market? Zero," the OP's information is almost certainly misleading and false. The bull market in stocks turned six last Monday, and despite some rocky stretches — like last week, when the market fell — it has ge...
by William4u
Sun Mar 15, 2015 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: American Funds beats the market 97% of the time?
Replies: 50
Views: 5362

Re: Fly or drive?

We have a rule of thumb: we only drive if we will be staying at the destination twice as many days as the drive. Since you will be driving for 4 days, you would need to stay for 8, for a 12 day total trip.

You will be driving 4 days and staying 1-3 days. I'd fly if I were you.
by William4u
Mon Mar 09, 2015 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 4996

Re: Should I buy VTI and VEA when prices are so high

The rule of thumb that I recall is that 2/3 of the time the market is up over a year, and 1/3 it is down. So 2/3 of the time you were better off not waiting a year.
by William4u
Tue Mar 03, 2015 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy VTI and VEA when prices are so high
Replies: 11
Views: 1408
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