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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: 99
Views: 5981

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: 1087

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: 4396

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: 2081

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: 2081

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: 5949

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: 99
Views: 5981

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: 55
Views: 3549

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: 3247

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: 399

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: 5696

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: 1517

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: 5949

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: 5949

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: 5696

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: 10817

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: 4851

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: 3722

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: 9155

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: 842

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: 3385

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: 2450

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: 435

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: 3722

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

I think you could use a good IPS (Investment Policy Statement)... http://www.bogleheads.org/wiki/Investment_policy_statement http://www.bogleheads.org/forum/viewtopic.php?t=61915 My IPS says that I own %Bonds = Age-10, and I rebalance my stock/bond allocation every 6 months. So my bond allocation go...
by William4u
Thu Sep 04, 2014 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market at a all time high ( Sept 2014) , time to cash out?
Replies: 49
Views: 3722

Re: Second guessing the three fund portoflio

IMHO, this person (salesperson?) is generally giving bad advice. However, the advice is so vague that he or she could make excuses for many of the problems it seems to have. The few funds I checked were pointlessly expensive and undiversified. The number of recommended funds is generally a bad sign,...
by William4u
Thu Sep 04, 2014 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: Second guessing the three fund portoflio
Replies: 14
Views: 885

Re: No advantage of Slice and Dice vs 3Fund?

A 1% higher annual return over 40 years can increase your retirement account by about 33%, according to Vanguard . So if slice and dice can capture an extra 1% annually over the 3-fund portfolio, a $3 million 3-fund portfolio would have been a $4 million slice and dice portfolio. That being said, I ...
by William4u
Mon Sep 01, 2014 11:58 am
 
Forum: Investing - Theory, News & General
Topic: No advantage of Slice and Dice vs 3Fund?
Replies: 45
Views: 3455

Re: My husband's " WILL", $ left for me to live on....

Frankly this whole thing is beyond insane. Agreed. But it is also important to remember just how COMMON this scenario really is. There are so many emotions and taboos involved in family finances and death that many people find themselves in this kind of situation. I think it might be useful for the...
by William4u
Fri Aug 29, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17351

Re: My husband's " WILL", $ left for me to live on....

Unfortunately, given the husband's unwillingness to communicate, and the wife's unwillingness to confront him on this, the truth may not come out until he is dead. I was thinking the same thing. I have had friends who only found out about their financial situation after their spouse either died or ...
by William4u
Fri Aug 29, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17351

Re: When can you afford a $200K depreciating asset?

I'd say there is only one way to spend obscene amounts of money on depreciating assets that comes with huge rewards...

The Life You Could Save

http://www.thelifeyoucansave.org/
by William4u
Wed Aug 27, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: When can you afford a $200K depreciating asset?
Replies: 11
Views: 1182

Re: Telling my friends I paid off my house was a mistake.

I keep my mouth shut. I know my friends and neighbors have fancy boats and cars and new kitchens and plenty of debt... new BMW every 3 years, new house in the "better neighborhood" a mile away every 6 years, etc. I had a friend tell me that he spent almost as much on remodeling his house a...
by William4u
Mon Aug 25, 2014 11:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10316

Re: What if there were only index funds?

As I mentioned in another thread, I have NO fear, ZERO, that indexing will ever get too big, such that active management would be a better alternative than indexing for any particular asset class. Even if 90% of all assets were held in indexed mutual funds, I feel the prices would be fairly set by ...
by William4u
Mon Aug 25, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: What if there were only index funds?
Replies: 23
Views: 2188

Re: What if there were only index funds?

You can Index to any metric. BH-style indexes are cap-weighted and need the market to determine the price. Alternative methods, like RAFI or similar indexes tracking fundamentals, would avoid the issue William4u pointed out. I speculate in a Index only world, the metric for indexing would not be ca...
by William4u
Mon Aug 25, 2014 1:16 am
 
Forum: Investing - Theory, News & General
Topic: What if there were only index funds?
Replies: 23
Views: 2188

Re: What 5 stocks can I own forever?

IMHO the "Dividend" = "Yield" ="Income Strategy" is a mistake, for many of the reasons Larry Swedroe gives... Why Chasing Dividends is a Mistake by Larry Swedroe "Total Returns" is a better strategy. The argument against dividends was penned by Warren Buffett ...
by William4u
Sun Aug 24, 2014 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4546

Re: What if there were only index funds?

If there was only the "Total market" index fund, the market would become inefficient pretty fast. Imagine back when Apple stock was cheap and Eastman Kodak stock was expensive. If the only way to buy those stocks back then was through one total index fund, their relative values would be th...
by William4u
Sun Aug 24, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: What if there were only index funds?
Replies: 23
Views: 2188

Re: Buy & Hold Forever Blue Chip Stocks???

...I must *confess* that I was burned with GE using the same approach during the 2008 collapse... Good. Please think very hard about that. GE is a perfect example of the blue-chip fantasy. Circa 1999 People said "GE is like mutual fund." Globally diversified. Sector diversified. In thirty...
by William4u
Sun Aug 24, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 4346

Re: Buy & Hold Forever Blue Chip Stocks???

I would buy and hold VTI (Vanguard Total Index, which tracks the entire US stock market) instead. 80% of the market is the S&P 500, of which many are blue chip stocks. This would lower costs and increase diversification. I would strongly recommend you read this... http://www.bogleheads.org/wiki/...
by William4u
Sun Aug 24, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 4346

Re: 2014/2015 Honda Accord vs. 2014 Toyota Avalon

This compares how fast the hybrid version pays you back over the regular version of the car. The hybrid Avalon pays back fast over the price of a regular Avalon.


Image
by William4u
Fri Aug 22, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 52
Views: 4172

Re: which engine and transmission options to choose for Taco

white_water wrote:Absolutly get the studded snow tires if your locality permits.


The non-studded winter tire technology has improved dramatically over the last decade, so much so that studded tires are not needed anymore except for extreme situations.

Winter Tyres or 4x4: which is best?
by William4u
Thu Aug 21, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 44
Views: 2086

Re: which engine and transmission options to choose for Taco

Irrelevant. The most important need is proper snow/ice tires. Any engine will get you moving. 4wd does not help you move or stop. +1 Winter tires trump everything else in terms of importance for safety in winter, snow, and ice. There is no substitute. Check out Consumer Reports. Stopping distance i...
by William4u
Thu Aug 21, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 44
Views: 2086

Re: Driving Trip Planning

We do similar long car rides regularly. I just do the google map and when it says that the trip is 24 hours total, I just divide the trip into 4 sections. I then just eyeball the three areas that we will stop in to spend the night. If one of the areas is close to a close friend or family, I will cal...
by William4u
Thu Aug 21, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1697

Re: Company car versus personal car for business

You say that you really have no need for the Maxima. It is losing value every day you own it, and you don't need it, so the only way forward is to sell it at market value (and that is the amount someone is actually willing to pay for it now). It is common to hold onto a loss, but in this case it jus...
by William4u
Thu Aug 21, 2014 1:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Company car versus personal car for business
Replies: 9
Views: 1046

Re: Is PIMCO Bond fund 50% cash?

My impression is that PIMCO Total Bond Fund not only has a higher ER (0.46%) than Vanguard Total Bond Fund (0.08% for Admiral), but is much more risky than Vanguard Total Bond Fund. PIMCO's expected return is higher because its risks are higher. It is more like a stock-bond blend fund in its risk pr...
by William4u
Wed Aug 20, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is PIMCO Bond fund 50% cash?
Replies: 26
Views: 2917

Re: How Much Did You Lose Today?

I expect that the stock market will drop significantly eventually. I also expect that staying the course with my IPS over the next few decades is the best policy.
by William4u
Tue Aug 19, 2014 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15035

Re: Mississippi wins!

Developing countries are much, much cheaper to live in. $100 goes a long way in many developing countries, where a typical wage for many workers can be $2/day. I think this is mostly an indication of how much more Mississippi is like a developing country than other states in the U.S. It is a sad thi...
by William4u
Tue Aug 19, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mississippi wins!
Replies: 14
Views: 1860

Re: So am I a terrible father? [inheritance question]

One thought: your RMDs will likely force you to take most of the money out of the TIRA, so you might as well convert to a Roth while you can.
by William4u
Mon Aug 18, 2014 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: So am I a terrible father? [inheritance question]
Replies: 31
Views: 4477

Re: Shiller: "U.S. stocks are very expensive"

Already a thread on Shiller's article that was published yesterday in the NYTimes...

viewtopic.php?f=10&t=144987&newpost=2158317
by William4u
Mon Aug 18, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller: "U.S. stocks are very expensive"
Replies: 4
Views: 973

Re: Verizon to Page Plus - documenting my experience

Wife and I ported directly on the PagePlus website, and use callingmart.com for the $80 refills that last a year. It works well and saves a lot.
by William4u
Mon Aug 18, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 44
Views: 5592

Re: Increasing Bond Holdings/International Equities

Personally, I wouldn't change a thing for now. You have build a very well balanced portfolio. Your bond allocation is within reason, and your 401k only has one good fund (and you are 100% in that fund there, as I would be as well) and no decent bond funds at all. I too would make my IRA 100% bond in...
by William4u
Sun Aug 17, 2014 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Increasing Bond Holdings/International Equities
Replies: 7
Views: 839

Re: Is buying two SUVs a sane/good financial move?

Berntson, that is an interesting chart. This one (from your previous post) is good too..

Image
by William4u
Sun Aug 17, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 3863
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