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Re: International Allocation in some funds...

So again, what makes a company foreign or domestic for the purposes of Vanguard Index funds? Is it the country of domicile? That would make a growing number of US firms such as Accenture into foreign companies based on being incorporated in foreign countries for tax evasion purposes even though they...
by texasdiver
Wed Jul 23, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: International Allocation in some funds...
Replies: 18
Views: 669

Re: Will baby boomers retiring spell doom for the markets

So at what point in history has most of the wealth NOT been held by older people?

Isn't that the way the world has always worked going back to the Romans and before?
by texasdiver
Wed Jul 23, 2014 4:31 am
 
Forum: Investing - Theory, News & General
Topic: Will baby boomers retiring spell doom for the markets
Replies: 38
Views: 3544

Re: Gold, Silver, Copper

Some fun facts about gold. Current estimates are that approximately 171,000 tones of gold have been mined by humans in all of history. If all of that gold was melted down into a single bar it would form a cube about 20 meters on a side (67 ft) which is about the size of an average McMansion. By cont...
by texasdiver
Wed Jul 23, 2014 4:23 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 85
Views: 4500

Re: International Allocation in some funds...

What makes a company foreign these days? Take the consulting firm Accenture just to cite one example. It is listed on the NYSE and part of the S&P 500 It is incorporated in Ireland, mainly for tax purposes A majority of its employees are in India and the Philippines It does business all over the...
by texasdiver
Wed Jul 23, 2014 3:47 am
 
Forum: Investing - Theory, News & General
Topic: International Allocation in some funds...
Replies: 18
Views: 669

Re: If Argentina Defaults

I've been trying to follow this Argentine fiasco and one thing I really don't understand is why Argentina is forced to funnel its debt payments through Wall Street where they are apparently subject to the dictates of the US Supreme Court. Can anyone explain why Argentina is unable to simply bypass W...
by texasdiver
Wed Jul 23, 2014 2:10 am
 
Forum: Investing - Theory, News & General
Topic: If Argentina Defaults
Replies: 21
Views: 1849

Re: How indexing let these retirees live footloose and fancy

They did not start out spending $30,000 per year back in the early 90's when they retired, that is what they spend now. So their withdrawal rate was not 6%. I can recall that throughout the mid-2000's their spending level was consistently about $24,000. $500K 1991 is around $830K more recently in i...
by texasdiver
Wed Jul 23, 2014 1:59 am
 
Forum: Investing - Theory, News & General
Topic: How indexing let these retirees live footloose and fancyfree
Replies: 34
Views: 3341

Re: 2 days in Portland, suggestions?

I second Powell's Books. Probably the largest bookstore in the known universe. They give you maps to navigate the store. I used to spend endless hours there back when I was in college in Portland. Go to the main one at 10th and Burnside as there are other branch locations around the city and the air...
by texasdiver
Tue Jul 22, 2014 7:39 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in Portland, suggestions?
Replies: 34
Views: 1106

Re: How indexing let these retirees live footloose and fancy

As much as I love this concept it can be a one-way street. I have close friends who have done this sort of thing in Guatemala in their early 30s. After 20 years they were ready to return to the US but after 20 years out of the workplace it turned out to be virtually impossible to recover their previ...
by texasdiver
Tue Jul 22, 2014 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: How indexing let these retirees live footloose and fancyfree
Replies: 34
Views: 3341

How indexing let these retirees live footloose and fancyfree

From a Globe and Mail article http://www.theglobeandmail.com/globe-investor/investment-ideas/strategy-lab/index-investing/how-indexing-helped-these-retirees-live-footloose-and-fancy-free/article19663633/ Apparently they retired in 1991 at age 38 with $500,000 in index funds and have been living happ...
by texasdiver
Tue Jul 22, 2014 1:14 am
 
Forum: Investing - Theory, News & General
Topic: How indexing let these retirees live footloose and fancyfree
Replies: 34
Views: 3341

Re: Which kind of bike for recent retiree?

I'm sure your Brooks fits you like an old pair of shoes, but you ride a lot, so how long was the break-in period, 10,000 miles? I do ride a lot. The break-in period was a couple weeks and somewhat painful, in that, my rear-end was sore during that time. I wouldn't want to have to do it again. Thoug...
by texasdiver
Mon Jul 21, 2014 12:40 am
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2511

Re: Which kind of bike for recent retiree?

I think riding more upright simply compresses your spine more and is more dangerous for your vertebrae especially when going over bumps. A bent-over position is better for your spine, helps distribute your weight between the two wheels, and also helps to take your weight off your saddle. Of course,...
by texasdiver
Sun Jul 20, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2511

Re: Which kind of bike for recent retiree?

Not retired but I've hit 50 and have 10 bikes in the garage, 4 of which are mine. Most important question to answer before you bike shop is how will you use your bike. Will you use it for recreation or transportation? Recreation: This would be fitness rides on local bike paths and country roads, sol...
by texasdiver
Sun Jul 20, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2511

Re: Second Largest PreK-12 School District Wins a 457b award

I guess it is only laudable by contrast to the worse options that this plan replaced. However here in Texas I can invest my 403(b) funds directly with Vanguard, Fidelity, and TIAA CREF at no additional cost other than the expense ratios of the underlying funds. I have all of my Texas 403(b) funds in...
by texasdiver
Sat Jul 19, 2014 1:22 am
 
Forum: Investing - Theory, News & General
Topic: Second Largest PreK-12 School District Wins a 457b award!
Replies: 11
Views: 889

Re: Ways to lose money and destroy personal wealth by invest

Believing there is a shortcut to wealth. I can't remember how many different relatives of mine have gotten robbed blind by scam artists selling the latest get rich quick scheme at conference rooms in seedy suburban hotels. Fly by night gold mining companies Real estate development partnerships that ...
by texasdiver
Sat Jul 19, 2014 1:14 am
 
Forum: Investing - Theory, News & General
Topic: Ways to lose money and destroy personal wealth by investing
Replies: 81
Views: 9151

Re: Costa Rica

Took my family there 2 years ago. This was the trip report I wrote. I can highly recommend Leaves and Lizards resort but you will also want some beach time too

http://www.tripadvisor.com/ShowTopic-g2 ... _Rica.html
by texasdiver
Tue Jul 15, 2014 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 11
Views: 1703

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

We are going through the same decision process and have settled on a new highlander to replace our aging 2004 Sienna that has 260,000 miles. It seems the most reliable and fuel efficient option in a 7 passenger that will tow our 3,000 lb popup and be a pleasant and efficient commuter for my wife. Th...
by texasdiver
Mon Jul 14, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 58
Views: 4462

Re: Buying a camper

By the way. Every camper requires setup. If you have a hard sided camper you will still be fussing around to level it, connect the hookups, deploy the awning, unpack the interior from the towing configuration and so forth. Yes, the popup does add some time but not that much. I would estimate my popu...
by texasdiver
Mon Jul 14, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Buying a camper
Replies: 26
Views: 2436

Re: Buying a camper

I camp with a Fleetwood Arcadia popup which is about the largest popup on the market. I pull it with a Toyota Sienna and have hauled it to a huge number of places with in about a 800 mile radius of Central Texas from Carlesbad NM to Destin FL which is mostly flat highway driving except for the Ozark...
by texasdiver
Mon Jul 14, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Buying a camper
Replies: 26
Views: 2436

Re: Birthday gift for a 10 year old girl

As a parent of 3 girls ages 8, 11, and 16 I have some thoughts on this topic First of all, our younger girls get our hand me down iPhones when we upgrade to new ones. An iPhone that no longer has cell service is basically an iPod. The kids can do everything on them except actually make phone calls a...
by texasdiver
Sun Jul 13, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Birthday gift for a 10 year old girl
Replies: 28
Views: 1431

Re: Have you quit your job because of your boss?

You don't mention what level of government you work in...federal, state, or local. Or how large your agency is. Is there any chance that you can transfer to a different office or division within your current agency? My experience in the Federql government was that it was pretty easy to move around o...
by texasdiver
Sun Jul 13, 2014 1:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7075

Re: POLL: Walmart vs Amazon

I voted amazon but they aren't really comparable. There are very few things that I purchase that are available at both stores. Consumer electronics, computer peripherals, specialty tools, books, some unique clothing items I buy at Amazon and it is unlikely that the same exact items are even availabl...
by texasdiver
Sat Jul 12, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 7965

Re: SAT preparation

I just took a whirlwind tour college visit tour with my daughter who is also a junior-to-be. We visited 7 public universities throughout the south in Texas, Arkansas, Louisiana, Alabama, and Florida. What I discovered is that pretty much every one of these universities has academic scholarships that...
by texasdiver
Sat Jul 12, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: SAT preparation
Replies: 30
Views: 2259

Re: Want international exposure? You already have it.

Of course the converse is also true. I gain a lot of additional exposure to the US economy by buying international equities.

Toyota
BP
HSBC
Samsung
Hyundai
Shell
Honda
Nissan
AstraZeneca
Nestlé
by texasdiver
Sat Jul 05, 2014 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: Want international exposure? You already have it.
Replies: 65
Views: 6290

Re: Vanguard Managed Payout Fund (VPGDX)

So is it possible to have vanguard turn any fund into a managed payout fund? The only thing unique about this fund seems to be the payout. For example, could I put my elderly mother into something like their Conservative Growth lifestyle fund which is 40/60 equity/fixed or something like Wellesley a...
by texasdiver
Fri Jul 04, 2014 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout Fund (VPGDX)
Replies: 40
Views: 2700

Re: Continue subscribing to local newspaper?

I read my local paper online and subscribe to the. NYT online which is the only news site I actually pay for. My local paper was recently bought by a an arch conservative local millionaire who has scrubbed out most of the good local columnists and reporters that provided intelligent local content an...
by texasdiver
Fri Jul 04, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6110

Re: favorite mid/low-priced Caribbean locale?

Caye Caulker, Belize This place is nice: http://www.seadreamsbelize.com Caye Caulker is very much away from the beaten path of the cruise ship circuit. Great scuba diving and a very relaxing small island to visit. i've been hearing great things about belize..... apparently english is the primary la...
by texasdiver
Fri Jul 04, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: favorite mid/low-priced Caribbean locale?
Replies: 30
Views: 3257

Re: Do Wellesley's Equities Outperform?

I have my wife's profit sharing account invested 100% in Wellington. Not because I especially believe in their secret sauce but because: 1. It is the cheapest way to get some bond exposure in that account. The only other bond option is PIMCO with much higher fees 2. Wellington has the lowest ER of a...
by texasdiver
Fri Jul 04, 2014 12:25 am
 
Forum: Investing - Theory, News & General
Topic: Do Wellesley's Equities Outperform?
Replies: 41
Views: 4781

Re: NY Times: Not enough younger investment advisors

I think the real answer to this question is the same as why there are fewer independent bookstores, hardware stores, tailors, butcher shops and so forth these days. Barnes and Noble wiped out the local bookstores and now Amazon is wiping them out Wal-mart and Home Depot wiped out the local hardware ...
by texasdiver
Tue Jul 01, 2014 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times: Not enough younger investment advisors
Replies: 72
Views: 7267

Re: The Truth Hurts: CNBC

Something is missing from the story. How does one accumulate $5 million without knowing how to save and budget? Sounds more like someone who inherited the wealth from a parent or spouse or divorce settlement and has never had to learn what a dollar is worth or how to manage it. Just how many invest...
by texasdiver
Tue Jul 01, 2014 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: The Truth Hurts: CNBC
Replies: 17
Views: 3494

Re: Trick question for new investors.

What's tricky about it?

Naturally one wants to buy low and sell high.
by texasdiver
Tue Jul 01, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Trick question for new investors.
Replies: 25
Views: 2068

Re: Building a home

My parents have. In my experience costs are as follows

Building > buying new > buying used.

Even after the builder turns over the keys to a house you built or bought new there are an astonishing number of things to spend money on from landscaping to finishing out the interior furnishings.
by texasdiver
Tue Jul 01, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: Building a home
Replies: 17
Views: 1491

Re: The Truth Hurts: CNBC

Something is missing from the story. How does one accumulate $5 million without knowing how to save and budget?

Sounds more like someone who inherited the wealth from a parent or spouse or divorce settlement and has never had to learn what a dollar is worth or how to manage it.
by texasdiver
Tue Jul 01, 2014 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: The Truth Hurts: CNBC
Replies: 17
Views: 3494

Re: Anyone Actually Using Quicken on a Mac?

I have a new iMac on my desk that I use for most computing purposes. Sitting beside it is the older Dell that it replaced that I keep there mainly for quicken and taxes and financial record keeping. Because it still works perfectly good for that. I think I'm running Quicken 2012 right now. Been thro...
by texasdiver
Tue Jul 01, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Anyone Actually Using Quicken on a Mac?
Replies: 14
Views: 978

Re: do you lie about your finances to friends

My wife and I are an ordinary upper-middle class family of 5 who have done the ordinary prudent things of living within our means, maximizing our savings, and going about our affairs in a middle of the road bogleheadish way. Basically the things that one would expect most people in our position to d...
by texasdiver
Tue Jul 01, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 8880

Re: Washington state retirees?

If you want cycling in the Seattle area you should take a look at this blog by Jan Heine, the guy who publishes Bicycle Quarterly and owns Compass Cycles:


http://janheine.wordpress.com

He has written about some really off the beaten path rides in the Puget Sound area.
by texasdiver
Mon Jun 30, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Washington state retirees?
Replies: 29
Views: 1725

Re: Breastfeeding and baby formula

Hi all, My wife is having trouble pumping sufficient breast milk each day to satisfy our newborn's needs. As a result, we're going to have to supplement with formula. A few questions for the crowd, particularly new parents: 1) What is the cheapest way to get Enfamil / Similac liquid formula? I'm wo...
by texasdiver
Mon Jun 30, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 1232

Re: WSJ article on ROTH 401K's vs Traditional

What always gives me pause when I read these discussions is that income during the earning phase of life is treated the same as income during the withdrawal phase. While the IRS may treat them the same, they are not the same thing at all. During the earning and saving phase of my life, every dollar ...
by texasdiver
Mon Jun 30, 2014 11:03 am
 
Forum: Investing - Theory, News & General
Topic: WSJ article on ROTH 401K's vs Traditional
Replies: 48
Views: 4424

Re: Better than index funds: Buy a conglomerate’s stock

I don't understand the comparison at all. Vanguard or any other index fund acquires shares in companies on a daily basis at market prices when growing and sells shares in companies on a daily basis at market prices if shrinking. There are thousands of transactions happening every day in both directi...
by texasdiver
Mon Jun 30, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Better than index funds: Buy a conglomerate’s stock
Replies: 27
Views: 3379

Re: Please help us decide where to live

Congrats on the decision. I've always thought Boise looked appealing. Definitely post back and let us know how you like it. Also, considering that hardly anyone mentioned Boise, but tons of people recommended SLC, you may want to do a short term rental in Boise and make a few trips to SLC and compa...
by texasdiver
Mon Jun 30, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7800

Re: Washington state retirees?

La Connor or Whidbey Island. A bit further away are Port Townsend and Sequium.
by texasdiver
Sun Jun 29, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Washington state retirees?
Replies: 29
Views: 1725

Re: Kindle - Which one to buy?

If you EVER read in bed you want the paperwhite. It is awesome to never worry about bedside lights or bothering the spouse. Save the money and get the version with ads. They are unobtrusive and only for books and only appear on the lock screen before you swipe to unlock--never when you are reading. ...
by texasdiver
Sun Jun 29, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Kindle - Which one to buy?
Replies: 36
Views: 2019

Re: favorite mid/low-priced Caribbean locale?

Caye Caulker, Belize

This place is nice: http://www.seadreamsbelize.com

Caye Caulker is very much away from the beaten path of the cruise ship circuit. Great scuba diving and a very relaxing small island to visit.
by texasdiver
Sat Jun 28, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: favorite mid/low-priced Caribbean locale?
Replies: 30
Views: 3257

Re: Article: bonds pensions SS

Not on my watch. Just my two centimos, on our side of the house we have four checks (pension X 2, social security X 2), not counted in any way as part of our investment portfolio. Those four checks are nice to have (awesome income) but are not part of our allocation. Now, we do count our equity mut...
by texasdiver
Thu Jun 26, 2014 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: Article: bonds pensions SS
Replies: 49
Views: 3211

Re: Please help us decide where to live

Get an airstream and become tech nomads for a year of touring the US and you'll eventually find your place. I'm more familiar with the west. In addition to Bend and Fort Collins I'd also look at Las Cruces, Medford, Wenatchee, Bellingham, Olympia, and Coeur D'Alene. Kind of depends on whether you wa...
by texasdiver
Thu Jun 26, 2014 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7800

Re: Article: bonds pensions SS

Being entitled to X-amount of social security income is certainly better than not having that entitlement. Owning 500,000 in home equity is certainly better than owning no home equity or worse yet....being underwater Any realistic appraisal of ones retirement needs has to take these into account. Th...
by texasdiver
Wed Jun 25, 2014 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: Article: bonds pensions SS
Replies: 49
Views: 3211

Re: Merton: 401(k) retirement plans face crisis

In essence, Merton seems to be saying that at a minimum retirement accounts should be disclosing what level of income a certain account balance will throw off. Kind of like how social security used to send to those statements with that information. I expect such information would be an eye opening e...
by texasdiver
Wed Jun 25, 2014 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: Merton: 401(k) retirement plans face crisis
Replies: 188
Views: 16791

Re: Best way to send money quickly to parents in Florence, I

Yes to western union or Amex My wife and I travel a lot to Latin America with our kids. To deal with this sort of thing I have implemented the following steps 1. All of our relevant travel docs are scanned and stored in my Dropbox including passports, drivers licenses, birth certificates, insurance ...
by texasdiver
Tue Jun 24, 2014 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Best way to send money quickly to parents in Florence, Italy
Replies: 18
Views: 1522

Re: Pool fence installation?

There are 2 different kids of fences being discussed here. I have dealt with both. The first kind of fence is the aluminum perimeter fence. I put one of these in myself at my last house with my dad's help. Biggest part of the task was drilling the holes in our hard texas soil. I rented an auger for ...
by texasdiver
Tue Jun 24, 2014 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Pool fence installation?
Replies: 13
Views: 807

Re: Pool Maintenance Cost

They aren't free but I not sure how you guys are spending multiple thousands per year. I have a medium size pool in central Texas. It is about 25,000 gallons. I buy the chlorine tablets and shock chemicals at Costco and use up about $400 worth of chemicals per year. I'd guess. The diatomaceous earth...
by texasdiver
Tue Jun 24, 2014 7:14 pm
 
Forum: Personal Consumer Issues
Topic: Pool Maintenance Cost
Replies: 14
Views: 1215

Re: Should international travel impact your investments?

I travel to Chile every year. What do I see driving around Santiago? Exxon, BP, Apple, Microsoft, IBM, Samsung, Toyota, Ford, GM, Honda, Chase, BNP, HSBC, Hilton, Marriott, Sheraton, Starbucks, McDonalds, Coca Cola, Michelin, etc. etc. International travel to any location more modern than Equatorial...
by texasdiver
Thu Jun 19, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Should international travel impact your investments?
Replies: 30
Views: 1857
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