Search found 396 matches

by BillyG
Thu Feb 11, 2016 5:41 pm
Forum: Personal Consumer Issues
Topic: Motivation to do Yoga / stretch more
Replies: 32
Views: 2322

Re: Motivation to do Yoga / stretch more

I also highly recommend yoga -- as recent convert myself. Last summer I was doing whitewater kayaking with my daughters and realized I didn't have nearly the flexibility I thought I had. Learning to perform rolls was taking longer for me than for others. In September I took up yoga to improve my fle...
by BillyG
Wed Feb 10, 2016 6:27 pm
Forum: Investing - Theory, News & General
Topic: Excellent Article Explaining Ridiculous Vanguard Lawsuit
Replies: 5
Views: 863

Re: Excellent Article Explaining Ridiculous Vanguard Lawsuit

Energy companies are a good analogy. Right now they charge market prices for their product and then pay their owners a dividend that gets taxed. Imagine of the structure changed so that owners of BP shares could receive free gasoline instead of a dividend, thereby paying no taxes. Actually that is ...
by BillyG
Wed Feb 10, 2016 5:35 pm
Forum: Investing - Theory, News & General
Topic: Excellent Article Explaining Ridiculous Vanguard Lawsuit
Replies: 5
Views: 863

Excellent Article Explaining Ridiculous Vanguard Lawsuit

[See my post below --admin LadyGeek] "Vanguard's Low Blow" The title is tongue in cheek... This is a very well-written and short article explaining the ridiculous whistleblower lawsuit against Vanguard based on its fees being "too low." http://www.bloombergview.com/articles/2016...
by BillyG
Sat Feb 06, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Airllne carry on luggage size: recommendations?
Replies: 24
Views: 2061

Re: Airllne carry on luggage size: recommendations?

Some of the European airlines are notoriously strict about size AND weight limitations, even when flying First or Business Class. Flying home from Vienna a month ago they had someone before security grabbing every one on that airline (maybe it was Austrian Air?), pulling them aside, and weighing and...
by BillyG
Fri Feb 05, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: Advice for parents with Perfectionist Child?
Replies: 48
Views: 3653

Re: Advice for parents with Perfectionist Child?

I'll second the recommendation to read "Mindset" by Carol Dweck and go from there.
Billy
by BillyG
Wed Feb 03, 2016 7:33 am
Forum: Personal Consumer Issues
Topic: Alternative to Briggs & Riley Luggage
Replies: 33
Views: 2495

Re: Alternative to Briggs & Riley Luggage

I've flown over 3 million miles on United and many miles on other airlines. Last year I flew almost 200,000 miles. I like TravelPro. They are built well and easy to repair (although the old ones were built better). They have different quality lines so pay attention to this. More important is to get ...
by BillyG
Tue Feb 02, 2016 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 5416

Re: Public school or private school (with school data)

As your kids enter middle school stay close to them so they talk with you about their experiences. There is a LOT that happens during these years, and as a generalization it is different for boys and girls, and often parents have no knowledge about what is happening to them at school. This can help ...
by BillyG
Sun Jan 31, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 5416

Re: Public school or private school (with school data)

there is a reason teachers line up trying to become a teacher at this school... although the financial benefits and work hours are better at the public school. The most influential teachers my kids had were teaching at the private after successful careers elsewhere (Wall Street, Bell Labs, a chemic...
by BillyG
Sun Jan 31, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 5416

Re: Public school or private school (with school data)

There is no way I would pay more for middle school/high school tuition than what college costs, especially when you live in a top public school district. Not to mention that you are already paying a premium for your home because it is in that top district and you pay taxes for public schools too. I...
by BillyG
Sun Jan 31, 2016 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 5416

Re: Public school or private school (with school data)

First I would like to say the OP's analysis totally misses the mark. It is not about the statistics, it is about what works for your kid. If it doesn't work for your child they will pay the price and you will too. So first teach your kids how to be resilient, have persistence, about limits and goals...
by BillyG
Sun Jan 31, 2016 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Advisor issues - life insurance vs 529 for college funding
Replies: 9
Views: 830

Re: Advisor issues - life insurance vs 529 for college funding

Calculate all of the expense rations, commissions, etc in the whole life plan. I suspect it is over 4% and it could be 6% or higher. Now calculate what that expense ratio represents on that investment over 18 years until college (or 22 years until the end of college). That is how much money would be...
by BillyG
Mon Oct 19, 2015 12:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Bogleheads Conference 2015!
Replies: 49
Views: 5019

Re: Thank you Bogleheads Conference 2015!

Thanks to all for another superb and well-run Bogleheads Conference! As hard as it may be to believe, Jack Bogle seems to get wiser every year. I don't know how he does it, but he does! I guess when people are Really Wise it takes years for their wisdom to unfold and Jack's wisdom AND humanity are a...
by BillyG
Sun Jun 14, 2015 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Disadvantages from moving 401k to IRA
Replies: 37
Views: 4021

Re: Disadvantages from moving 401k to IRA

Another potential disadvantage -- your 401(k) may offer access to a stable value fund that you would not have access to in an IRA. I will echo the sentiments about having an IRA to facilitate setting up backdoor ROTHs. When we had kids my wife dropped out of the workforce to raise them. We converted...
by BillyG
Thu Apr 16, 2015 6:00 am
Forum: Investing - Help with Personal Investments
Topic: Maryland 529 Plan Tax Tip
Replies: 3
Views: 550

Re: Maryland 529 Plan Tax Tip

JLJL, Very interesting! I think you posted the wrong link -- this is what you meant for a link: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=146281 I'm not sure if the state would question the approach of making the spouses beneficiaries AND account holders for themselves. This may or ma...
by BillyG
Wed Apr 15, 2015 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Maryland 529 Plan Tax Tip
Replies: 3
Views: 550

Maryland 529 Plan Tax Tip

Assuming you are a MD resident funding a Maryland 529 I just noticed a way to double up on tax savings, assuming you have a spouse. (I understand the arguments about fees versus the Vanguard administered plans in other states, but that's a separate subject.) Maryland allows an income exclusion of $2...
by BillyG
Fri Apr 10, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: Gearing up for big replacement windows project
Replies: 35
Views: 3511

Re: Gearing up for big replacement windows project

Mojave, The old paint has lead in it, but that can be dealt with. Old windows are beautiful and refurbishing them takes time but is satisfying. You could start with one window and see how it is put together with the rope tied to pocked weights inside the window jambs. You might want storm windows on...
by BillyG
Sun Apr 05, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: Gearing up for big replacement windows project
Replies: 35
Views: 3511

Re: Gearing up for big replacement windows project

I highly suggest you don't use Pella windows. They are not very good quality although they do a LOT of advertising to make you think otherwise. When you buy their windows you are paying for that advertising. Their aluminum cladding is roll-formed rather than extruded like Marvin windows -- roll form...
by BillyG
Tue Feb 17, 2015 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Anti-virus software on my MAC?
Replies: 20
Views: 1658

Re: Anti-virus software on my MAC?

First do what nisiprius said, and second, you should install anti-virus software. I have a friend who is an IT guru and he caught the Ransom virus trying to run on his computer before he installed antivirus. It almost got him but he powered down the computer quickly. Google the Ransom virus if you h...
by BillyG
Tue Feb 17, 2015 12:13 am
Forum: Personal Consumer Issues
Topic: Has anyone restored windows?
Replies: 25
Views: 2422

Re: Has anyone restored windows?

If the windows are in decent shape it would be a real shame to lose those very old windows from an old house. The comments about sealing and insulating around the weight pockets are right on target. Good storm windows will help as well. You'll be dealing with lead paint, but you already know that in...
by BillyG
Mon Feb 16, 2015 5:51 pm
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 50
Views: 6595

Re: Attic Retrofit: Spray Foam Insulation [Updated w Images]

Zadie, that does sound terrible. I've seen the horror stories online but I also know many people who have used it successfully. It should not be sprayed in cold weather or on cold surfaces, even with the heated supply lines. I hope they got rid of the smell. It does smell awful when it is curing. I ...
by BillyG
Mon Feb 16, 2015 3:56 pm
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 50
Views: 6595

Re: Attic Retrofit: Spray Foam Insulation [Updated w Images]

We had open cell foam done in our attic 2 years ago. A few weeks after the install the entire house started smelling like chemicals. They had to come back and rip everything out, by hand. Took 5 guys 5 days. Brutal. I would never do form in a retrofit again. Luckily the installer stood by their wor...
by BillyG
Mon Feb 16, 2015 3:53 pm
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 50
Views: 6595

Re: Attic Retrofit: Spray Foam Insulation [Updated w Images]

Dan,

Congratulations on the great results! It's good to see the extra insulation and your insulation approach are for you. The added comfort is a really big plus that doesn't always show up in the numbers, but it keeps everyone happy at home. :-)

Billy
by BillyG
Mon Jan 26, 2015 11:52 am
Forum: Personal Consumer Issues
Topic: soundproofing walls
Replies: 13
Views: 1847

Re: soundproofing walls

The advice you received is good. Roxul is good, adding mass as in attaching mass-loaded vinyl sheets over the studs is good, resilient channels are good, double-layer drywall and green glue is good, and you can buy sound-deadening drywall with layers of metal inside but it costs about $100/sheet. Th...
by BillyG
Sat Jan 24, 2015 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 54
Views: 5950

Re: Flagship financial planner advice?

I agree with SpringMan....0.3% is not a ridiculous fee to pay for financial advise; it is less than 95% of people in the US pay and the advise is trustworthy. And.....if you pass before the significant other who doesn't want to learn financial planning they can call "The Vanguard Man" and...
by BillyG
Sat Jan 24, 2015 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 54
Views: 5950

Re: Flagship financial planner advice?

I'm sorry, I understand getting guidance for a 0.3% ER. I don't understand the VALUE of getting rebalancing assistance for a 0.3% ER. This "service" costs Vanguard nothing in time or expenses other than the amount they invested in building the spreadsheet or program so I consider 0.3% to b...
by BillyG
Sat Jan 24, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 54
Views: 5950

Re: Flagship financial planner advice?

I met with VG financial planner and here's what he recommends: 60% stocks (30% US Large cap, 13% US Small cap, 17% international) 40% bonds (30% US short and intermediate, 5% international, 5% US long term) All VG funds and recommended the rebalancing management plan with them with a 0.3% fee. I am...
by BillyG
Wed Jan 21, 2015 10:35 am
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 10129

Re: W. Bernstein, WSJ 1/20/2015

And the link: http://www.wsj.com/articles/how-to-tell-if-your-retirement-nest-egg-is-big-enough-1421726456 "So, retirement nest-egg-wise, what constitutes “winning”? Simple: You’ve won when you’ve acquired enough assets to provide your basic living expenses for the rest of your life." Billy
by BillyG
Thu Jan 08, 2015 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 41
Views: 5324

Re: Major issues with new HSABank.com website

I've been trying to transfer money there for three weeks... I agree the website is disorganized, and my money still hasn't been transferred TO them even though the transferring institution is ready and waiting.
Billy
by BillyG
Sat Jan 03, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: Building a Home/New Technology
Replies: 46
Views: 4269

Re: Building a Home/New Technology

Don't use SIPs. They are so 80s... and there are myriad problems. I used to be sold on them but there are too many horror stories. Repairs and rewiring are nightmares. You are better off putting foam panels on the outside. Green Building Advisor is OK but there are some real hacks over there. Much m...
by BillyG
Tue Dec 30, 2014 9:12 pm
Forum: Personal Consumer Issues
Topic: Building a Home/New Technology
Replies: 46
Views: 4269

Re: Building a Home/New Technology

And a home intercom -- these are very inexpensive and the keypads are connected by CAT5. There are doorbell keypads as well that let you talk with those outside without opening your door. Intercoms are good for kids, for the hard of hearing, or those wanting to preserve their voices. Our alarm insta...
by BillyG
Tue Dec 30, 2014 8:04 pm
Forum: Personal Consumer Issues
Topic: Building a Home/New Technology
Replies: 46
Views: 4269

Re: Building a Home/New Technology

I second Gardenweb -- their kitchen forum is second to none. Our kitchen is 100 times better than it would have been without the help from ladies at Gardenweb. http://ths.gardenweb.com/forums/kitchbath/ OK, I exaggerate. The kitchen is only 20 times better than it would have been. Appliances, too. P...
by BillyG
Tue Dec 30, 2014 7:58 pm
Forum: Personal Consumer Issues
Topic: Building a Home/New Technology
Replies: 46
Views: 4269

Re: Building a Home/New Technology

We finished a big renovation a few years ago. The most important things you can do relate to the lifetime of your structure, which means preventing moisture and bulk water from entering your structure and becoming trapped there. This means Grace Ice & Water shield on your roof, or at least 6 fee...
by BillyG
Tue Dec 16, 2014 1:57 pm
Forum: Personal Consumer Issues
Topic: Camcorder vs. iPhone vs. DSLR Camera
Replies: 39
Views: 4781

Re: Camcorder vs. iPhone vs. DSLR Camera

A fourth option is a non-DSLR camera that is very high quality and that you can put in your pocket or purse. Take a look at the Sony RX-100 series. These take fast excellent photos in low light because of the larger image sensor. The videos are nice as well. I've stopped using my DSLR for the most p...
by BillyG
Tue Dec 16, 2014 12:39 pm
Forum: Investing - Theory, News & General
Topic: Foreign Investors Pile Into Bonds
Replies: 2
Views: 689

Re: Foreign Investors Pile Into Bonds

Does this mean that buying US Treasuries has an aspect that is like buying foreign bonds, but without the currency risk? Just kidding, but about 20% serious... considering that buying U.S. stocks gives you some international exposure to foreign businesses of the U.S. companies, although stock econom...
by BillyG
Tue Dec 16, 2014 11:16 am
Forum: Investing - Theory, News & General
Topic: Foreign Investors Pile Into Bonds
Replies: 2
Views: 689

Foreign Investors Pile Into Bonds

From the WSJ -- Google the title to get non-paying access: http://www.wsj.com/articles/foreign-investors-pile-into-bonds-1418690550?mod=WSJ_hp_LEFTWhatsNewsCollection "Regardless, buying U.S. Treasury bonds has been a winning strategy this year for investors. The debt has a total return, reflec...
by BillyG
Sat Dec 13, 2014 1:10 pm
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 73
Views: 5811

Re: Harvey paper says re-balancing adds risk

Browser, That sounds about right. It probably doesn't make much difference except to Bogleheads who overthink and overanalyze on their way to "staying the course." Nothing wrong with that. And you're right that forgetting to rebalance sometimes ends up well in terms of letting momentum wor...
by BillyG
Sat Dec 13, 2014 12:14 pm
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 73
Views: 5811

Re: Harvey paper says re-balancing adds risk

I have yet to hear a good answer as to why the different treatment for rebalancing with new money versus buy/sell existing funds. Billy As far as I'm concerned, you answered the question yourself. There's an expense when buying/selling in both fees and taxes, so unless your portfolio moves way out ...
by BillyG
Fri Dec 12, 2014 9:59 pm
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 73
Views: 5811

Re: Harvey paper says re-balancing adds risk

I have yet to hear a good answer as to why the different treatment for rebalancing with new money versus buy/sell existing funds.
Billy
by BillyG
Fri Dec 12, 2014 12:47 pm
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 73
Views: 5811

Re: Harvey paper says re-balancing adds risk

I have a question. Maybe there's a simple answer but it's escaping me now. Most people agree that it makes sense to rebalance to maintain AA when adding "new money" to a portfolio. Please correct me if I'm wrong that "most people" advise doing this. What is the theoretical or pr...
by BillyG
Fri Dec 12, 2014 12:21 pm
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 73
Views: 5811

Re: Harvey paper says re-balancing adds risk

I have a question. Maybe there's a simple answer but it's escaping me now. Most people agree that it makes sense to rebalance to maintain AA when adding "new money" to a portfolio. Please correct me if I'm wrong that "most people" advise doing this. What is the theoretical or pra...
by BillyG
Tue Dec 09, 2014 4:12 pm
Forum: Personal Consumer Issues
Topic: Ad hoc travel to Antarctica
Replies: 51
Views: 3257

Re: Ad hoc travel to Antarctica

Victoria, Thank you for starting another fascinating thread. Before reading this, visiting Antarctica was not high on my list of places to visit. Not that I didn't want to visit but there were other destinations crowding out the view. Now I can't stop thinking about it and the adventure that awaits ...
by BillyG
Tue Dec 09, 2014 3:58 pm
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 73
Views: 5811

Re: Harvey paper says re-balancing adds risk

when stocks are moving up, rebalancing decreases risk (moving stocks to bonds). When stocks are moving down, rebalancing adds risk (moving bonds to stocks). As pointed out upthread, the goal is to maintain risk at a fairly constant level. You are not getting to the heart of the idea though because ...
by BillyG
Mon Dec 08, 2014 6:22 pm
Forum: Personal Consumer Issues
Topic: Ad hoc travel to Antarctica
Replies: 51
Views: 3257

Re: Ad hoc travel to Antarctica

Victoria,

I don't have any direct advice but I find Tripadvisor very helpful in my travels. I looked at the Ushuaia forum and was directed to the Antarctica forum below -- there's a fair amount of information here!
http://www.tripadvisor.com/ShowForum-g1 ... tures.html

Billy
by BillyG
Mon Dec 08, 2014 10:40 am
Forum: Personal Consumer Issues
Topic: Youngster talented in science and math
Replies: 47
Views: 3987

Re: Youngster talented in science and math

For me, model rocketry were the kits I enjoyed the most. After all, what's better than a legitimate way to work with explosives for a teen-age boy. I almost seriously injured myself trying to reload an Estes rocket engine with match heads. I re-loaded Estes model rocket engines, too. I did a scienc...
by BillyG
Fri Dec 05, 2014 3:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Gave the Only Honest Rollover Advice (In a Survey)
Replies: 12
Views: 2284

Re: Vanguard Gave the Only Honest Rollover Advice (In a Surv

Thanks for the excellent posts Billy. The culture at Vanguard is different because of Jack Bogle's efforts. Thank you again St. Jack. You could have pursued being a billionaire, but you chose to keep costs low and help the individual investor. You are not one of the billionaire Johnsons. Thank you....
by BillyG
Thu Dec 04, 2014 9:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Gave the Only Honest Rollover Advice (In a Survey)
Replies: 12
Views: 2284

Re: Vanguard Gave the Only Honest Rollover Advice (In a Surv

Last winter, he called 15 financial-services firms to ask for advice on whether he ought to roll over—or transfer—the retirement money he had saved via a 401(k)-type plan in his prior job at the U.S. Labor Department to an IRA. If the question was exactly as stated, I'm surprised that the reps, inc...
by BillyG
Thu Dec 04, 2014 7:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Gave the Only Honest Rollover Advice (In a Survey)
Replies: 12
Views: 2284

Re: Vanguard Gave the Only Honest Rollover Advice (In a Surv

Holy cow. Good for Vanguard. I am really impressed. I try not to be more enthusiastic about Vanguard than they deserve, but that is just great. I agree. It was not by any means a scientific survey, and you never know who will pick up the phone on the other side of an 800 call, but I am impressed to...
by BillyG
Thu Dec 04, 2014 7:29 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 14491

Re: Stanley Kubrick's 2001 a space odyssey

I loved the movie when it came out. After I set up my home theater it was the first Blu-ray Disc I watched -- and I made my wife and kids watch it with me. Afterwards my kids said "Dad, that was weird" and they looked at me funny. They also don't trust my movie recommendations anymore. Oh ...
by BillyG
Thu Dec 04, 2014 6:35 pm
Forum: Investing - Theory, News & General
Topic: Wanted: Investors’ Horror Stories About Advisers
Replies: 2
Views: 480

Re: Wanted: Investors’ Horror Stories About Advisers

Good point -- I will edit my post to put the warning up front. The link is directly from the WSJ article. As I understand it they are looking for verifiable complaints/stories about advisers, not anonymous stories.
Billy

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