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Re: Clean, quiet, safe and cheap. Is there such a travel pla

How about the highland plateau of Colombia. 50-70 daily.


I read somewhere that there is a lot of kidnapping in Columbia. Is that not true?
by tc101
Fri Sep 12, 2014 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5377

Re: Signing up for medicare Oct 1

"Do agents get more for selling medicare supplement than medicare advantage" ? I know for a fact that with UHC they do. In fact, this has been a sticking point in some places. Under the agreement with AARP, agents get a payment for every single Medigap UHC policy they sell; they get nothi...
by tc101
Fri Sep 12, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 31
Views: 2577

Re: Signing up for medicare Oct 1

This will make you cry but must tell you - here in Maryland I am paying $1,884 yearly for Plan F. (BlueCross-BlueShield) It is not much different in Georgia. $168/month, which is $2016/year. Some companies list outrageous prices. I can't imagine anyone paying $5K for plan F unless they were older a...
by tc101
Fri Sep 12, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 31
Views: 2577

Re: Signing up for medicare Oct 1

Your best bet is to avoid the agents/brokers and go straight to the GA Office of Insurance Commissioner. Hopefully, that office will be like Illinois, Maryland, and many other states where each company's Medigap current premiums are posted online, along with other information as to which plans they...
by tc101
Fri Sep 12, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 31
Views: 2577

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Faith20879 wrote:Not sure what kind of cleanness is being sought here - air, scenery, drinking water, food (either manufactured or agriculture), living environment, and etc.? Please define!


First priority is that I don't get sick. This is a big problem in India.
by tc101
Fri Sep 12, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5377

Re: Clean, quiet, safe and cheap. Is there such a travel pla

There are a bazillion places that are clean, quiet, safe, and cheap. Few of them are interesting however. Are you also looking for interesting? Silly me. Yes, of course, interesting. I especially want the chance to meet other travelers from other parts of the world. In India and Guatemala I met lot...
by tc101
Fri Sep 12, 2014 12:19 am
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5377

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Little Corn Island off the coast of Nicaragua


Sounds interesting. Any problems with mosquito born illness like dengue or malaria?
Is there internet access?
by tc101
Thu Sep 11, 2014 11:39 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5377

Clean, quiet, safe and cheap. Is there such a travel place?

I would like to go to some other country and spend a few months. I am 64, retired, no longer a back packer, but comfortably middle class. Places I have done this in the last 10 years: India is very cheap, a fascinating place and pretty safe except for the diseases, but very noisy and dirty. Lake Ati...
by tc101
Thu Sep 11, 2014 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5377

Re: Good Modern Science Fiction

Childhood's End by Arthur C. Clarke
by tc101
Thu Sep 11, 2014 12:53 am
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 123
Views: 4624

Re: Signing up for medicare Oct 1

Where I am, near Atlanta Ga., only Mutual of Omaha sells plan G. The rate is $116/month. Many companies sell plan F. The lowest rate is Humana at $168/month. The only difference in the two plans is $145/year deductible. My insurance agent says Mutual of Omaha has a terrible record of jacking up pric...
by tc101
Wed Sep 10, 2014 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 31
Views: 2577

Re: Signing up for medicare Oct 1

What about medicare part G vs F?

There must be some catch to this. I just read that the only difference is that part G has a $147 yearly deductable, but it costs about $40/month less. That can't be correct.
by tc101
Tue Sep 09, 2014 9:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 31
Views: 2577

Re: V6 or V8 engine for new Chrysler 300

I test drove a Chrysler 300 and liked the feel. I have been driving Crown Vics for years. They don't make Crown Vics anymore and I guess the Chrysler had a similar feel and that is why I liked it. I am tall and have long legs and want a car with lots of driver leg room. The Chrysler 300 had that, an...
by tc101
Mon Sep 08, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 1636

V6 or V8 engine for new Chrysler 300

I am thinking about buying a Chrysler 300, which comes with either a V6 or V8 engine. The V8 costs a little more and uses a little more gas and I don't really need that extra power, but will the V8 last much longer than the V6?
by tc101
Sun Sep 07, 2014 6:03 pm
 
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 1636

Re: Why is REIT only sector fund recommended in slice & dice

I note that if I were to sell all my REITS there are no assets that look all that great into which to put the proceeds


That is the best counter argument I have seen. I think maybe international real estate might be a better asset.
by tc101
Sat Sep 06, 2014 8:15 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7132

Re: Why is REIT only sector fund recommended in slice & dice

Looking at REIT expected returns in isolation is exactly the opposite of what I'm doing. I'm noting that the expected returns are similar to corporate bonds and well below stocks-- all for a volatility that's stock-like and drawdowns that are even worse. The "grave mistake" IMO is not dem...
by tc101
Sat Sep 06, 2014 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7132

Re: Technologist to IT Sales Transition

I was a programmer. They gave me fancier titles but I always thought of myself as a programmer. I thought of getting into software sales. It seemed interesting and different and I thought I could make more money. I talked to some knowledgeable people and realized sales required a totally different s...
by tc101
Sat Sep 06, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Technologist to IT Sales Transition
Replies: 14
Views: 847

Re: Poll: Cash Holdings

I have chosen to count series I savings bonds, money market mutual funds, and short term bond mutual funds, as "cash." There have been several similar replies. Savings bonds, CDs and short term bond mutual funds are not normally classified as cash, but as bonds. If you change the definiti...
by tc101
Fri Sep 05, 2014 11:04 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3613

Re: Why is REIT only sector fund recommended in slice & dice

I am curious about your thoughts on the Vanguard international real estate fund and ETF.
by tc101
Fri Sep 05, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7132

Re: Why is REIT only sector fund recommended in slice & dice

All of the sector funds had lower correlation to TSM than the SCV fund over this time period.


Thanks for posting that. The lower correlation means that in a slice and dice portfolio the rebalancing bonus would be higher. So I wonder why this is not suggested more often?
by tc101
Thu Sep 04, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7132

Re: Why is REIT only sector fund recommended in slice & dice

Any thoughts on VNQI ANGUARD GLOBAL EX U S REAL ESTATE INDEX FD ETF ?
Does this have all the problems, and advantages that people have mentioned here for USA REITs?
by tc101
Thu Sep 04, 2014 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7132

Re: Why is REIT only sector fund recommended in slice & dice

Isn't there something like a calculator somewhere on line that lets you test correlations of different indexes? Yes. One is Portfolio Visualizer . It's what I used to provide the correlations and regression coefficients above. Kevin That is just what I needed Kevin. It answers most of my questions....
by tc101
Thu Sep 04, 2014 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7132

Re: Why is REIT only sector fund recommended in slice & dice

Kevin M wrote:
tc101 wrote:What are the 3 sectors suggested by Bernstein?

I told you in my first post in your thread!

Kevin


Thanks Kevin. I see it now.
by tc101
Thu Sep 04, 2014 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7132

Re: Why is REIT only sector fund recommended in slice & dice

Before I switched to my current four fund portfolio my previous portfolio had about thirty different asset types grouped into three broad categories (equity like, debt like, alternatives). I had allocations to things like preferred shares, MLPs, REITs, commodities, etc. As it turned out most of the...
by tc101
Wed Sep 03, 2014 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7132

Re: Why is REIT only sector fund recommended in slice & dice

Isn't there something like a calculator somewhere on line that lets you test correlations of different indexes?
by tc101
Wed Sep 03, 2014 10:53 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7132

Re: Why is REIT only sector fund recommended in slice & dice

However, the notion that REITs are the the only sub-sector of the overall market that offer potential low correlation to the overall index is of course silly. Thanks. That is what I was asking about. Do any of the other sectors like health, technology, consumer cyclicals and so on have a lower corr...
by tc101
Wed Sep 03, 2014 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7132

Re: Why is REIT only sector fund recommended in slice & dice

And to repeat, Bernstein calls out three sectors, not just REITs. So although REITs are a common denominator among the authors I mentioned, it is not the only "sector" some recommend considering as a separate asset class. What are the 3 sectors suggested by Bernstein? What other sectors h...
by tc101
Wed Sep 03, 2014 10:46 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7132

Re: Why is REIT only sector fund recommended in slice & dice

If you do hold other sector funds, you're choosing to hold them at greater than their market weighting - and if you subscribe to the efficient market hypothesis, they're already at the correct weight. But isn't this what you do with any slice and dice portfolio? You over weight small caps for examp...
by tc101
Wed Sep 03, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7132

Re: Why is REIT only sector fund recommended in slice & dice

I appreciate the discussion so far, but I wasn't really asking about why to hold REITs. I was asking why not hold other sector funds also.
by tc101
Wed Sep 03, 2014 12:40 am
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7132

Re: Why is REIT only sector fund recommended in slice & dice

Generally sector funds decrease diversity rather than increase it.


Why? I don't understand how that could be.
by tc101
Wed Sep 03, 2014 12:37 am
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7132

Why is REIT only sector fund recommended in slice & dice?

In all the slice and dice portfolios I have seen, the recommended funds are limited to large and small, large value and small value, REIT, international, international small and sometimes emerging markets. Why are REITS the only sector ever recommended? Why not health care, technology, consumer stap...
by tc101
Tue Sep 02, 2014 10:20 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7132

Re: 100% Stock Thread Collection

by tc101
Mon Sep 01, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 93
Views: 5294

Re: Why invest in bonds?

Read some of the threads from 2009 about the all bond portfolio
by tc101
Sun Aug 31, 2014 11:13 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 6207

Re: I need "Ultra High Net Worth" investing advice please

Toto238 sums it up so well in just a few sentences that I don't have much to add, other than to repost what he said below. More words do not translate into more useful knowledge. My one disagreement is his saying to us all munis for bonds. I would say that just in case you have the black swan event ...
by tc101
Tue Aug 26, 2014 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15828

Re: Best iPhone deal for light user

What are some of the main points to consider when deciding between and iPhone and a Samsung Galaxy? I am probably going to get an iPhone since I already have an iPad and an iPod touch, but I am curious about the pros and cons of other phones.
by tc101
Sun Aug 24, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2402

Re: Best iPhone deal for light user

I want to be able to change providers. I don't want to be locked into a long term contract.
by tc101
Sat Aug 23, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2402

Re: Best iPhone deal for light user

What do I get with an iPhone 5 that I don't get with iPhone 4?
by tc101
Sat Aug 23, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2402

Re: Best iPhone deal for light user

I see internet access is listed in terms of data, with 100MB the lowest on most sites. Like I said, most of my internet access would be wifi, but if once a week I checked a map program for directions, checked my email and responded to a few emails, and looked at a movie schedule, would that be will ...
by tc101
Sat Aug 23, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2402

Re: Best iPhone deal for light user

I think I will go with Apple iPhone, just because I am more familiar with that technology. I have an iPad and an iPod touch, so there will be less of a learning curve.
by tc101
Sat Aug 23, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2402

Best iPhone deal for light user

I am going to get an iPhone. I would probably talk on it about 200 minutes per month, send one text a day, and be connected to the internet 30 minutes a month. Most of my internet connection would be with wifi.

For that amount of usage, what is the best provider plan for me?
by tc101
Sat Aug 23, 2014 7:50 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2402

Re: Signing up for medicare Oct 1

If you don't get a drug plan, I know there is something called the doughnut hole. What is the maximum out of pocket you could possibly pay if you don't get a drug plan?
by tc101
Sat Aug 23, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 31
Views: 2577

Re: Signing up for medicare Oct 1

I've been warned that it can be difficult to find a specialist when needed. For that reason, and because I like the idea of a max out-of-pocket, I am seriously considering going with an MA after all.


I hadn't thought of that. I need to look into it.
by tc101
Thu Aug 21, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 31
Views: 2577

Re: Signing up for medicare Oct 1

I am thinking I will go with Medicare Advantage for the main reason that it is the only thing I can find with a maximum Out-Of-Pocket. I don't think either the Medicare Supplements or original Medicare have a max OOP. Medicare supplement, plan F, has a maximum out of pocket, as a set deductible, or...
by tc101
Thu Aug 21, 2014 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 31
Views: 2577

Signing up for medicare Oct 1

I live in Georgia. I turn 65 in January, so I can sign up for medicare Oct. 1. I have decided to sign up for medicare A & B, get medicare supplement plan F, and drug plan D. The only thing I have not decided is which drug plan, and if I will get plan F with a deductible or not. My understanding ...
by tc101
Thu Aug 21, 2014 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 31
Views: 2577

Re: Why aren't annuities better than investment drawdowns?

Where is the best place online to shop for and compare annuities?
by tc101
Thu Aug 21, 2014 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: Why aren't annuities better than investment drawdowns?
Replies: 46
Views: 2965

Re: Is a big war coming ???

I don't know much about this so please excuse my ignorance. It seems to me that if you think commodities are going up, it would make the most sense to buy low cost index funds and etfs from Vanguard that invest in companies that will profit if commodities go up. The 3 examples that come to mind are ...
by tc101
Tue Aug 19, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Is a big war coming ???
Replies: 37
Views: 3905

Re: Is a big war coming ???

If you wanted to invest in commodities, how would you do it? There is a vanguard materials etf. PowerShares DB Commodity Index Tracking Fund (DBC) is highly rated. Vanguard has precious metals fund and energy fund. I'm not sure of the arguments here, but if I did decide to make a small bet on commod...
by tc101
Tue Aug 19, 2014 11:45 am
 
Forum: Investing - Theory, News & General
Topic: Is a big war coming ???
Replies: 37
Views: 3905

Re: Flood proofing a basement

Concerning a cofferdam, I could do that in an hour or so. I could drive to home depot, buy some concrete blocks and some waterproof putty. I wouldn't even need to deal with concrete, and would be able to remove it when I decided on a more permanent solution. I will probably do that some time soon.
by tc101
Sat Aug 16, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1833

Re: Flood proofing a basement

My camera is not working, so I can't post photos for now. I have gotten such great info from you all. Thank you. This is complicated enough that I am getting a professional company to look at it. But I have learned so much from this discussion that I will be able to talk to them much more intelligen...
by tc101
Fri Aug 15, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1833

Re: Flood proofing a basement

>>> Is the water at the back door from direct rain falling on the low area, or overland flow that ends up in the low area?

Both, but more overland flow.

Thanks everyone. This has been very useful. I will get some pictures tomorrow.
by tc101
Thu Aug 14, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1833

Re: Flood proofing a basement

>>> Have you had a plumber run a camera down the drain to see if there are any obstructions? I guess that is the first logical step. I just did a google on "pipe scoping atlanta" and called the first company that came up, called "Rooter Plus". The odd thing is that they would not...
by tc101
Thu Aug 14, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1833
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