Search found 6698 matches

by tadamsmar
Thu Jul 30, 2015 6:47 am
Forum: Personal Consumer Issues
Topic: Recommendations on a cheap commuter car
Replies: 32
Views: 2040

Re: Recommendations on a cheap commuter car

Malibu (new not classic model) might be a good choice. ESC was standard on the 2008 Malibu LTZ.
by tadamsmar
Thu Jul 30, 2015 6:44 am
Forum: Personal Consumer Issues
Topic: Recommendations on a cheap commuter car
Replies: 32
Views: 2040

Re: Recommendations on a cheap commuter car

gatorking wrote:Even though ESC became mandatory in 2013, many makes and models had them standard even earlier. e.g. all 2010 Toyotas had ESC as standard. You can search for ESC equipped models here: http://www.iihs.org/iihs/ratings/safety-features


Yeah. It's standard equipment on the 2001 4Runner!
by tadamsmar
Mon Jul 20, 2015 3:02 pm
Forum: Personal Consumer Issues
Topic: Roomba - would you buy it again?
Replies: 30
Views: 2599

Re: Roomba - would you buy it again?

I'm probably picking up a 650 from Craigslist this evening – mostly for the downstairs (wood). Question for current Roomba users: can I bring it upstairs to the carpeted area or will I lose the "knowledge" it picks up after cleaning an area? It does not have any knowledge to lose, not the...
by tadamsmar
Mon Jul 20, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: Roomba - would you buy it again?
Replies: 30
Views: 2599

Re: Roomba - would you buy it again?

I'm probably picking up a 650 from Craigslist this evening – mostly for the downstairs (wood). Question for current Roomba users: can I bring it upstairs to the carpeted area or will I lose the "knowledge" it picks up after cleaning an area? It does not have any knowledge to lose, not the...
by tadamsmar
Mon Jul 20, 2015 9:12 am
Forum: Personal Consumer Issues
Topic: Roomba - would you buy it again?
Replies: 30
Views: 2599

Re: Roomba - would you buy it again?

I would buy another one. I recently replaced the battery in my unit. The next time I get one I will get one with these additional features: 1. Full bin detection. We have a dog to the bin fills up before the battery needs recharging. 2. Scheduled start-up. My current model is much better than my fir...
by tadamsmar
Fri Jul 17, 2015 8:01 am
Forum: Personal Consumer Issues
Topic: Beach getaway recommendations please
Replies: 45
Views: 3323

Re: Beach getaway recommendations please

I have been to Vieques twice. It has great beaches. It has good snorkeling (not as good as Bonaire), and an interesting biobay. We stayed at the Inn on the Blue Horizon once, and in a rental house in the nice little tourist town of Esperanza once. Some areas are still off limits to tourists because ...
by tadamsmar
Thu Jul 16, 2015 12:00 pm
Forum: Personal Consumer Issues
Topic: Beach getaway recommendations please
Replies: 45
Views: 3323

Re: Beach getaway recommendations please

Bonaire has the best snorkeling in the Caribbean.

It's far south and has about a low 1 in 50 chance of getting hit by a hurricane during hurricane season.
by tadamsmar
Mon Jul 13, 2015 7:05 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 410
Views: 67617

Re: Rick Ferri looking to internationalize his portfolio

I wrote several times in the conversation that I'm making this move whether there's a correction in international stocks or not. I don' think it's surprising that you are having trouble getting this point across. I think the problem is what you said in your blog that is the topic of this thread: Th...
by tadamsmar
Thu Jul 09, 2015 7:01 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 410
Views: 67617

Re: Rick Ferri looking to internationalize his portfolio

Rick used VTI (TSM EFT) vs VEU (Total World ex US ETF) to demonstrate that over weighting US had been a good idea before 1/1/2015. Yesterday, VEU dipped below VTI in price for the first time since the first few days of 2015. Looks like that dip may last only a day. Of course, that's just a price com...
by tadamsmar
Tue Jul 07, 2015 3:01 pm
Forum: Personal Consumer Issues
Topic: Caribbean vacation recommendations
Replies: 33
Views: 3367

Re: Caribbean vacation recommendations

Corrected my post. Klien Bonaire is in Bonaire.
by tadamsmar
Tue Jul 07, 2015 2:57 pm
Forum: Investing - Theory, News & General
Topic: Robert Shiller's Continuing Demise
Replies: 36
Views: 5970

Re: Robert Shiller's Continuing Demise

He is saying Greece might be the best VALUE play out there. He could be right. GREK's style box is running at 0, 0, 0 38, 32, 5 24, 1, 2 P/E 12 That's pretty dang value-y. Shiller's comment is fair. It's getting more value-y by the minute. If you really want some value, buy it's 3rd largest compone...
by tadamsmar
Tue Jul 07, 2015 7:24 am
Forum: Investing - Theory, News & General
Topic: Robert Shiller's Continuing Demise
Replies: 36
Views: 5970

Re: Robert Shiller's Continuing Demise

Time to buy some GREK:

http://etfs.morningstar.com/quote?t=GRE ... 2367323675


20% is in Coca-Cola bottling
by tadamsmar
Tue Jun 30, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: Caribbean vacation recommendations
Replies: 33
Views: 3367

Re: Caribbean vacation recommendations

Bonaire, Netherlands Antillies , not really in the Caribbean, but worth a look. Locals speak Dutch, Spanish and English in that order.) Fishing, windsurfing, scuba, desert island with cactus. Many visitors from Amsterdam prefer it to Aruba or Curacao. I have been to many Caribbean islands and I fou...
by tadamsmar
Tue Jun 30, 2015 12:36 pm
Forum: Investing - Theory, News & General
Topic: Long-Term Risk, Mean Reversion, and Dispersion of Returns
Replies: 28
Views: 3129

Re: Long-Term Risk, Mean Reversion, and Dispersion of Return

I guess I don't get it. Since yearly return = cumulative return ^ (1/N), where N is number of years. L. That formula is incorrect. If you has a 1000-year cumulative return of 1% then according to that formula yearly return = 1%, because: 1 = 1^(1/N) for all N. I think you perhaps meant to use the C...
by tadamsmar
Mon Jun 29, 2015 1:39 pm
Forum: Investing - Theory, News & General
Topic: Long-Term Risk, Mean Reversion, and Dispersion of Returns
Replies: 28
Views: 3129

Re: Long-Term Risk, Mean Reversion, and Dispersion of Return

Here is my view of the situation: http://imageshack.com/a/img543/8172/jptx.png http://imagizer.imageshack.us/v2/xq90/543/jptx.png If you invest in stocks for one year, there is some probability of outcomes. If you invest for multiple years, the ultimate outcome depends on multiple samplings of the ...
by tadamsmar
Sun Jun 28, 2015 8:30 pm
Forum: Personal Consumer Issues
Topic: Caribbean vacation recommendations
Replies: 33
Views: 3367

Re: Caribbean vacation recommendations

A rental on Love Beach in the Bahamas is a good choice.

Flights are cheaper and shorter if you live in the Eastern US.

Also, I second Isla Mujeres.

Vieques is a good choice.
by tadamsmar
Sat Jun 27, 2015 8:47 pm
Forum: Investing - Theory, News & General
Topic: Long-Term Risk, Mean Reversion, and Dispersion of Returns
Replies: 28
Views: 3129

Re: Long-Term Risk, Mean Reversion, and Dispersion of Return

Here is my view of the situation: http://imageshack.com/a/img543/8172/jptx.png http://imagizer.imageshack.us/v2/xq90/543/jptx.png If you invest in stocks for one year, there is some probability of outcomes. If you invest for multiple years, the ultimate outcome depends on multiple samplings of the ...
by tadamsmar
Sat Jun 27, 2015 9:25 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17615

Re: Aren't we overdoing electronic auto safety features?

The advancement of seatbelt is incredible huge step in safety increase, which as technology and structural/airbag/etc. engineering improve, I think that as time goes on, all these small tech features by diff car makers are going to have less and less marginal increase in safety since the next step ...
by tadamsmar
Fri Jun 19, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Your Top 10 Worst Bands/ Musicians and Movies
Replies: 48
Views: 5296

Re: Your Top 10 Worst Bands/ Musicians and Movies

My favorite bad movie is Godfather III
by tadamsmar
Mon Jun 15, 2015 12:54 pm
Forum: Personal Consumer Issues
Topic: Coffee - just starting out
Replies: 43
Views: 5709

Re: Coffee - just starting out

Coffee vs Cokes You get a standard dose of caffeine in give volume of Coke (at least in a bottled or canned ones). The caffeine levels in coffee can vary a lot. Ups and downs in one's caffeine intake can be problematic for some, causing drowsiness or over-stimulation during the day and insomnia at n...
by tadamsmar
Sat Jun 13, 2015 8:43 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 410
Views: 67617

Re: Rick Ferri looking to internationalize his portfolio

In my opinion, the illogic of the blog is more impressive than the fact it's timing. Here that the last two sentences: I believe the opportunities outside the US are at least as good as inside, and I’ll probably be adjusting my portfolio in the next year to reflect this belief. If the opportunities ...
by tadamsmar
Wed Jun 10, 2015 7:01 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17615

Re: Aren't we overdoing electronic auto safety features?

For electronics/software, all the costs are upfront. The costs to implement are low. Each additional unit installed cost is negligible. The profit to manufacturer is huge. :oops: :moneybag And they are making that profit off the backs of affluent techno-geeks who are willing to be beta testers. :gr...
by tadamsmar
Wed Jun 10, 2015 12:26 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17615

Re: Aren't we overdoing electronic auto safety features?

Agree completely. If this technology actually works then it should be standard equipment instead of being gouged-priced on vehicles. Like I said, I'd rather drive a car with it than without it, but not for another $2,000+ on the car price. The knowledge that a technology actually works does not mag...
by tadamsmar
Tue Jun 09, 2015 7:19 am
Forum: Personal Consumer Issues
Topic: Boglehead flea treatment?
Replies: 39
Views: 2516

Re: Boglehead flea treatment?

Take an aluminum pie pan and put water in it. Add a drop or two of dish detergent. Set one or more of these below a night light in each infested room. The fleas are attracted to light and they will jump into the pan. The dish detergent eliminates the surface tension of water. The fleas drown. This w...
by tadamsmar
Tue Jun 09, 2015 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Does too high initial house asking price kill chance at selling house?
Replies: 50
Views: 4904

Re: Does too high initial house asking price kill chance at selling house?

A market appraisal by licensed appraiser values our house + land at $245k-$265K. I think the appraisal is reasonable and want our initial asking price to be about $275K. My spouse feels that appraiser did not account correctly for the land and wants to start at $340K and lower this if there are no ...
by tadamsmar
Thu Jun 04, 2015 9:34 am
Forum: Personal Consumer Issues
Topic: Homeowner insurance deductible savings data
Replies: 4
Views: 636

Re: Homeowner insurance deductible savings data

My guess is that part of the diminishing return has to do with the fixed costs of processing a claim.
by tadamsmar
Thu Jun 04, 2015 6:56 am
Forum: Personal Consumer Issues
Topic: Refrigerator--Buy New or Used
Replies: 19
Views: 1556

Re: Refrigerator--Buy New or Used

A repair man just told me that a base model GE refrigerator is the most reliable. The more features the more maintenance.
by tadamsmar
Thu Jun 04, 2015 6:52 am
Forum: Personal Consumer Issues
Topic: Homeowner insurance deductible savings data
Replies: 4
Views: 636

Homeowner insurance deductible savings data

This is for Amica on a baseline $1,198 premium. Deductible Savings $500 $0 (baseline) $2500 $378 (vs $500) $5000 $498 (vs $500) There is a diminishing return. $378 for increasing by $2000 then only $120 for increasing another $2500. One can go up to a $10,000 deductible, but I have don't have the sa...
by tadamsmar
Mon Jun 01, 2015 8:19 am
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8939

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

I pulled the latest IIHS driver fatality data (2013). (http://www.iihs.org/iihs/topics/t/vehicle-size-and-weight/fatalityfacts/passenger-vehicles#Driver-death-rates) Interesting stat that surprises me: In 2000, SUV's had slightly higher occupant death rate than cars at 135/million vs 126/million re...
by tadamsmar
Mon Jun 01, 2015 7:48 am
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8939

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

I do not honestly believe SUVs are unequivocally safer. As others have mentioned, you cannot simply compare a M Class to that Legacy...because the SUV will have higher center of gravity and more likely to roll than a Legacy. Of course modern tech will have reduced it much more than say....if you we...
by tadamsmar
Tue May 26, 2015 3:04 pm
Forum: Investing - Theory, News & General
Topic: Investment Priority turned upside down?
Replies: 8
Views: 1054

Re: Investment Priority turned upside down?

However, when you withdraw from the account, things change; you may want to withdraw from your IRA before you withdraw from your taxable account. If you withdraw $25,000 from a Roth IRA, you deprive your heirs of $25,000 of tax-free money, but you have $25,000 to spend yourself. If you withdraw $28...
by tadamsmar
Sun May 24, 2015 5:20 am
Forum: Personal Consumer Issues
Topic: Essential Security Computer Programs
Replies: 12
Views: 1467

Re: Essential Security Computer Programs

It's my understanding that they will not project you completely from phishing. Phishing is a type of social engineering and no automated security fully protects you.

https://www.us-cert.gov/ncas/tips/ST04-014
by tadamsmar
Sun May 24, 2015 5:15 am
Forum: Investing - Help with Personal Investments
Topic: need some clarification, just read "Bogleheads guide to investing"
Replies: 10
Views: 1327

Re: need some clarification, just read "Bogleheads guide to investing"

Fidelity is fine as long as you watch the ER's so you'd want to stick with Spartan funds. You can also move your 401k and IRA's to Vanguard tax free. Your choice. It makes life easier to have everything at one place. I prefer VG. If you want to transfer just call them and they will walk you though ...
by tadamsmar
Fri May 22, 2015 12:50 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 7515

Re: Bill Gross Thinks the End Is Near

Seems the bull market in stocks ended in 2000, its been a zig-zag market since 2000. Rebalancing has paid off since 2000 just as Shannon demonstrated it would in a random market that shows little or no cumulative gain or loss.
by tadamsmar
Fri May 22, 2015 12:40 pm
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 50
Views: 2935

Re: Visiting Nashville during the summer

This tread is pretty comprehensive. Maybe look for some local events, like outdoor concerts, festivals. If you have kids, the library has really fine puppet shows, and there is a small sandwich shop next door. The Nashville art gallery might have some good exhibits. I had a chance to visit Nashville...
by tadamsmar
Fri May 22, 2015 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Help Needed
Replies: 11
Views: 1252

Re: Taxable Account Help Needed

There are some arguments for no co-mingling AA. http://www.forbes.com/sites/rickferri/2014/04/03/does-asset-location-make-sense-for-me/ The cap-gains tend to lock one into your taxable asset choices. The stock funds tend to grow faster than bond funds and someday you might have to pay cap-gains if y...
by tadamsmar
Thu May 21, 2015 11:42 am
Forum: Investing - Theory, News & General
Topic: Investment Priority turned upside down?
Replies: 8
Views: 1054

Re: Investment Priority turned upside down?

By taxable funds, I mean taxable investments that would have some cap gain taxes due if they were used to pay taxes on a conversion. Just to be sure we're agree: ⋅ If you have money that has already been taxed, such as earned income, distributions, etc. it's always better to use a Roth th...
by tadamsmar
Thu May 21, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: Investment Priority turned upside down?
Replies: 8
Views: 1054

Re: Investment Priority turned upside down?

Because of the stepped up basis, prioritizing for inheritance may favor taxable over tax-deferred. Are there any circumstances is it better to inherit taxable instead of Roth? Not that I know of. But there are circumstance that can favor not using taxable funds to pay the taxes on the conversion of...
by tadamsmar
Thu May 21, 2015 10:59 am
Forum: Investing - Theory, News & General
Topic: Investment Priority turned upside down?
Replies: 8
Views: 1054

Re: Investment Priority turned upside down?

Because of the stepped up basis, prioritizing for inheritance may favor taxable over tax-deferred. Are there any circumstances is it better to inherit taxable instead of Roth? Not that I know of. But there are circumstance that can favor not using taxable funds to pay the taxes on the conversion of...
by tadamsmar
Thu May 21, 2015 10:31 am
Forum: Investing - Theory, News & General
Topic: Investment Priority turned upside down?
Replies: 8
Views: 1054

Investment Priority turned upside down?

The usual advice is to favor tax-deferred accounts over taxable. "Investing in a prioritized order will maximize the tax efficiency of a portfolio." https://www.bogleheads.org/wiki/Prioritizing_investments Similar reasoning favors Roth conversions using taxable savings to cover the tax. Bu...
by tadamsmar
Wed May 20, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17615

Re: Aren't we overdoing electronic auto safety features?

Well you could just get in a car with xenons at night an see the difference. If I could see 2-3x further down the road, I find it hard to believe that xenons do not reduce the number of accidents at night. Oh, then there is research like this: http://www.iihs.org/iihs/sr/statusreport/article/49/7/4...
by tadamsmar
Wed May 20, 2015 1:12 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17615

Re: Aren't we overdoing electronic auto safety features?

This stuff has been out for a couple years now. The evidence for autobraking being a good thing is pretty solid. The evidence for Xeon/LED lighting is also very solid. The rest get a bit sketchier and often depend on the model. I have a feeling that for things like blind spot monitoring that it is ...
by tadamsmar
Wed May 20, 2015 12:39 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17615

Re: Aren't we overdoing electronic auto safety features?

Another concern I have about all the electronics associated with these sensor-and-computer systems is their reliability and the costs to repair and maintain them as the car ages. These are the same guys that can't even install airbags that don't explode and kill you or ignition key switches that ma...
by tadamsmar
Wed May 20, 2015 11:00 am
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 118
Views: 10268

Re: What's so great about simplicity?

Another question. For number 1. Are you saying that Roth conversions might even be worth doing once I am taking RMDs? Those RMDs will be expensive tax-wise. They WILL push me to a higher tax bracket, BUT once I am in that tax bracket there will be room to absorb some Roth conversions before I get t...
by tadamsmar
Wed May 20, 2015 7:39 am
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 118
Views: 10268

Re: What's so great about simplicity?

I only have two more years before 70.5 and taxes on Roth conversion can (still) be paid out of SS+pension cash flow. I don't expect to do Roth conversions once RMDs kick in. (Depends on tax analysis that year but I'm assuming for planning purposes it will not be the best strategy. I'm not even sure...
by tadamsmar
Wed May 20, 2015 7:23 am
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 118
Views: 10268

Re: What's so great about simplicity?

bertilak wrote:P.S. Can you point me to Rick Ferri's discussion on "all stocks in taxable?"


http://www.rickferri.com/blog/strategy/ ... ake-sense/

This (not from Ferri) might also be of interest:

http://www.bogleheads.org/wiki/Principl ... _placement
by tadamsmar
Tue May 19, 2015 7:23 pm
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 118
Views: 10268

Re: What's so great about simplicity?

PS: Unfortunately, complexity in one's tax avoidance strategy can be warranted, at least when you have taxable savings. At let in my case I think simplicity has helped my tax strategy: ⋅  Taxable account : All stocks, no bonds. ⋅  Tax-advantaged accounts : Mix of stocks and bond...
by tadamsmar
Tue May 19, 2015 9:48 am
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 118
Views: 10268

Re: What's so great about simplicity?

I think the great thing is understanding that complexity in one's asset allocation is not warranted. It typically grows out of overfitting the data, or overlooking the uncertainties. Sometimes we Bogleheads get so in to merely spouting a mantra that we forget to teach the reason behind it. PS: Unfor...
by tadamsmar
Tue May 19, 2015 7:33 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17615

Re: Aren't we overdoing electronic auto safety features?

Frankly, I'd have to say that used car buyers may be smarter than new car buyers. They realize that the market value of new cars falls faster and harder than stocks in 2008 and you can buy a perfectly good car for pennies on the dollar if you shop cars that are only 2-3 years old. Unfortunately, I'...
by tadamsmar
Mon May 18, 2015 12:36 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Picking up Nickels in Front of a Steamroller?
Replies: 50
Views: 5419

Re: Bonds - Picking up Nickels in Front of a Steamroller?

rrouse wrote:Buffett has warned that bonds are "among the most dangerous of assets" and "their risk is huge".


Pay no attention to that man behind curtain selling bonds, the man who is the President, Chairman, and CEO of Berkshire Hathaway.

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