Search found 377 matches

by CULater
Tue Oct 17, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 10
Views: 481

Re: Experience with "mini-monovision" cataract implants?

I have monovision cataract implants. They work very well for me. One thing though is that my natural eyesight was also a form of monovision! One eye was significantly worse at distance than the other, so one could say that I was born with monovision and this perhaps is why I adjusted to these impla...
by CULater
Tue Oct 17, 2017 6:14 pm
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 12
Views: 778

Re: The overselling of international diversification

According to Portfolio Visualizer for the last 30+ years, the efficient frontier for US and Global ex-US indicates lowest risk (SD) for 80% US / 20% Global ex-US (SD = 14.77%), but highest risk-adjusted return for 100% U.S. (Sharpe = .551, SD = 15.06%). Max drawdown was 50.9% for 100% U.S. vs. 52.5%...
by CULater
Tue Oct 17, 2017 3:17 pm
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 12
Views: 778

The overselling of international diversification

The lower correlation between U.S. and non-U.S. stock returns has to do mostly with bull markets in U.S. stocks, during which foreign stocks typically don't do as well (as recently has been the case). During bear markets in U.S. stocks, foreign stocks are also hit, so the correlation with U.S.stocks...
by CULater
Tue Oct 17, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 57
Views: 3915

Re: Vanguard expects "decent sized correction" soon

We need to make sure that Larry gets this prediction on his "Sure Things" list for 2018, assuming the crash doesn't happen before we get out of 2017. We're in the most dangerous month now. [cue the videos of the Hindenburg in flames].
by CULater
Tue Oct 17, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 46
Views: 3560

Re: WPA2 protocol used by vast majority of wifi connections has been broken

I've always figured that my greatest protection from hacking my home WiFi was the fact that someone needs to be within range to do it, and it seems improbable that anybody is going to be interested enough in Mr. Small Potatoes to bother. Encryption of the WiFi signal was just an extra layer of insur...
by CULater
Tue Oct 17, 2017 10:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 57
Views: 3915

Re: Vanguard expects "decent sized correction" soon

Wait for it..... Wait for it..... “Wait For It…” is an expression used to build up suspense in anticipation of an impending spectacle or climactic event. Online, the phrase is typically employed in the title or description of a video to inform the viewer of a gradual and uninteresting build-up befor...
by CULater
Tue Oct 17, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 10
Views: 481

Re: Experience with "mini-monovision" cataract implants?

The cataract in my non-dominant eye is worse than the dominant eye. I can still see pretty well with the dominant eye and it carries the load at both distance and near vision. I wear corrective glasses for both myopia and astigmatism in both eyes. My biggest problem is with glare from lights at nigh...
by CULater
Tue Oct 17, 2017 9:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 57
Views: 3915

Vanguard expects "decent sized correction" soon, sometime, maybe later

http://www.marketwatch.com/story/vanguards-boss-has-a-warning-for-a-market-thats-hellbent-on-dow-23000-2017-10-17 “We expect there could be a decent-sized correction at some point,” says Bill McNabb, chairman of Vanguard, which manages $4.5 trillion in funds worldwide, in reference to the record ru...
by CULater
Mon Oct 16, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 10
Views: 481

Experience with "mini-monovision" cataract implants?

I'm considering whether to go with "mini-monovision" cataract implants vs. standard correction for distance in both eyes. Wondering if anyone has done this and what your results have been, particularly downsides. I'm especially concerned with vision for night driving if both eyes are not corrected f...
by CULater
Mon Oct 16, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 27
Views: 2348

Re: Buying 2017 Honda CR-V

When buying a new car it's important to distinguish between "model year" and "manufacture year". By law, automakers are allowed to begin selling any given model year in January of the preceding year. For example, you could buy a car manufactured in January of 2016 that is actually a 2017 model year ...
by CULater
Mon Oct 16, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 27
Views: 2348

Re: Buying 2017 Honda CR-V

s (2018 CR-Vs should be arriving here in early November) I hope the 2018 comes out in November looking to buy my first new car. After driving company cars for 36 years where the only decision I had to make was the color, looking forward to a touring model since I plan to keep it for a long time. Go...
by CULater
Sun Oct 15, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 27
Views: 2348

Re: Buying 2017 Honda CR-V

s (2018 CR-Vs should be arriving here in early November) I hope the 2018 comes out in November looking to buy my first new car. After driving company cars for 36 years where the only decision I had to make was the color, looking forward to a touring model since I plan to keep it for a long time. Go...
by CULater
Sat Oct 14, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 27
Views: 2348

Re: Buying 2017 Honda CR-V

One thing about the automatic forward braking on the CRV I've noticed, probably same for all or most vehicles that have it. A few times I've had it start to kick in when there is a vehicle turning right in front of me and it hasn't completely cleared the road. Normally, without auto braking you're a...
by CULater
Sat Oct 14, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 29
Views: 2240

Re: Outback Vs Forester Vs CR-V ??

Hard call. I just bought a CR-V Touring and am favorably impressed so far. The ride and noise level much improved over previous generations of CR-V. Of course the 1.5 turbo engine is relatively new (I think it was introduced in last year's Civic) and transmission is CVT. The tranny is smooth and non...
by CULater
Fri Oct 13, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 27
Views: 2348

Re: Buying 2017 Honda CR-V

I think the deal varies by location. In Phoenix they weren't offering much of a discount. Finally bought a 2017 Touring in Iowa in August for $4K off sticker with trade-in of my 2002 CRV with 200K miles. CarMax quoted me a price of $1500 on my CRV, so I figure that the discount on my 2017 was about ...
by CULater
Thu Oct 12, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: Cash on the sidelines impact ?
Replies: 14
Views: 1459

Re: Cash on the sidelines impact ?

There is no such thing as "cash on the sidelines" unless you mean the cash that is always there and doesn't change in quantity. The COTS metaphor imagines that the amount of cash available expands and shrinks, which is nuts. There is always the same amount of "cash" available and somebody has to own...
by CULater
Wed Oct 11, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Buy when there's blood in the streets!
Replies: 39
Views: 6203

Re: Buy when there's blood in the streets!

The complete quote from Baron Rothschild is believed to be:

"Buy when there's blood in the streets, even if the blood is your own."

And therein lies the rub...
by CULater
Tue Oct 10, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4651

Re: Sonoma in October

Maybe you should wait to go to Sonoma until the fires are out and see if there's anything left.
by CULater
Tue Oct 10, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: anyone else with 403b account missing at Vanguard
Replies: 6
Views: 830

Re: anyone else with 403b account missing at Vanguard

Vanguard once lost my Roth IRA and I didn't get it back until I could produce a paper statement proving that it existed. Always save your electronic statements because you never know when the bozos will be out.
by CULater
Tue Oct 10, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: Buffett: U.S. Stocks have been safer than Cash or Treasuries over the last 50 Years.
Replies: 19
Views: 2888

Re: Buffett: U.S. Stocks have been safer than Cash or Treasuries over the last 50 Years.

Of course, if we all invested like Buffett then nobody could make money investing in stocks. Buffett once said that he never could have succeeded if markets were really efficient.
by CULater
Mon Oct 09, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 58
Views: 5434

Re: Is the new Chevy Equinox any good?

Interesting that car rental companies have Chevy Equinox on the lot but you never see a Honda on car rental lots. Wonder why? Oh, I know. They don't have any fleet sales department and don't do fleet sales. Don't need to. And it protects the resale value of Hondas not to have the used car market flo...
by CULater
Mon Oct 09, 2017 10:08 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11614

Re: 100% in bond to wait for market crash?

They say you should only have the amount of money in stocks that you could stomach losing 50% on paper and not sell any of the remaining 50% while stocks are still looking pretty shaky, or even be prepared to sell some bond holdings (which probably will increase in value if stocks crash and be looki...
by CULater
Sat Oct 07, 2017 5:28 pm
Forum: Investing - Theory, News & General
Topic: Buffett: U.S. Stocks have been safer than Cash or Treasuries over the last 50 Years.
Replies: 19
Views: 2888

Re: Buffett: U.S. Stocks have been safer than Cash or Treasuries over the last 50 Years.

I infer that Buffett thinks of stocks as being denominated in some non-currency medium such as "equicoin"? An equicoin-denominated investment is better than a fiat-currency denominated investment, and better too than investments denominated in gold, bitcoin, commodities, etc. All investors should se...
by CULater
Sat Oct 07, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: Buffett: U.S. Stocks have been safer than Cash or Treasuries over the last 50 Years.
Replies: 19
Views: 2888

Buffett: U.S. Stocks have been safer than Cash or Treasuries over the last 50 Years.

Interesting statement from Warren Buffett re: investing in bonds. His horizon of the last 50 years would include 1965-2016, which encompasses some pretty rough times for the stock market and the giant gains from Treasuries after interest rates started down in 1982 -- yet he says it would have been s...
by CULater
Sat Oct 07, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: Are stocks going up only because all the alternatives are lousy?
Replies: 45
Views: 4627

Re: Are stocks going up only because all the alternatives are lousy?

Interesting statement from Warren Buffett re: investing in bonds. His horizon of the last 50 years would include 1965-2016, which encompasses some pretty rough times for the stock market and the giant gains from Treasuries after interest rates started down in 1982 -- yet he says it would have been s...
by CULater
Thu Oct 05, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: My Credit Union doesn't charge early withdrawal penalty on Roth CDs
Replies: 3
Views: 189

Re: My Credit Union doesn't charge early withdrawal penalty on Roth CDs

I don't understand how they can do it, since it means I virtually have a liquid cash account that earns 2.5% if this is true. Sounds like a good deal, but not quite a cash account, since you can't do partial withdrawals. Apparently, I can withdraw any amount without penalty. Not quite a cash accoun...
by CULater
Thu Oct 05, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: Are stocks going up only because all the alternatives are lousy?
Replies: 45
Views: 4627

Are stocks going up only because all the alternatives are lousy?

We keep hearing the warnings about high stock valuations and possibility of market losses, poor returns, etc. I believe it, but every time I think about what to do about it, all the other choices stink, so I stay in stocks. And they keep going up for no good reason that I can discern. Cash? no retur...
by CULater
Thu Oct 05, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: My Credit Union doesn't charge early withdrawal penalty on Roth CDs
Replies: 3
Views: 189

My Credit Union doesn't charge early withdrawal penalty on Roth CDs

I just checked for the second time with my local credit union and confirmed that they do not assess any early withdrawal penalty on CDs in a Roth account for depositors over age 59 1/2. I keep blinking and wondering. I thought every financial institution always charged early withdrawal fees of some ...
by CULater
Mon Oct 02, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: Peter L. Bernstein: Cash BETTER than Bonds
Replies: 64
Views: 7340

Re: Peter L. Bernstein: Cash BETTER than Bonds

I am NOT thinking giving up on bonds for the fear of rising rates. Recently, I read the 1989 article by Peter L. Bernstein where he recommends that cash should replace bonds in portfolios. Mr. Bernstein states, without reservations, that “bonds should trade places with cash as the “residual stepchi...
by CULater
Mon Oct 02, 2017 12:21 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financializing Commodities
Replies: 10
Views: 1180

Re: Larry Swedroe: Financializing Commodities

Old news that commodity funds have been worthless for many years now as the greater fools started skating to where the puck was...
by CULater
Mon Oct 02, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular lowers prices or increases benefits
Replies: 14
Views: 1204

Re: Consumer Cellular lowers prices or increases benefits

I've heard people talk about Consumer Cellular. I didn't find the prices that great. I just paid $248 (including taxes/fees) for 12 months on MintSim. 5GB data/mo, unlimited talk and text. CC has never been the cheapest option, but they do combine reasonable prices with good customer service and ex...
by CULater
Mon Oct 02, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: Malkiel essay on Smart Beta
Replies: 11
Views: 1632

Re: Malkiel essay on Smart Beta

And, GEE, it looks like you can get in on those multi factor approaches if you want to pay DFA advisor fees or you happen to have a half-mil lying around to put into Weathfront. Go figure!
by CULater
Mon Oct 02, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular lowers prices or increases benefits
Replies: 14
Views: 1204

Re: Consumer Cellular lowers prices or increases benefits

Unfortunately, unlimited talk and 3 GB data will cost $40 plus taxes, fees, tolls, etc. I get the same thing at H2O wireless for a flat $27.
by CULater
Thu Sep 28, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8334

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

When having a procedure done at a teaching hospital, such as a university hospital, I'm not sure you know who is doing the procedure while you are unconscious anyway. An inexperienced resident or other might be your actual surgeon. At the University hospital near me, I was recently told that the rul...
by CULater
Wed Sep 27, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 49
Views: 3223

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

The main thing I noticed when I went to an AWD Honda CRV from a FWD Honda Accord was driving up my driveway when it was snowed over. Got home from work at times and no chance to shovel. With the FWD the slippage of the front wheels made it hard to aim the car straight into the garage because I had t...
by CULater
Wed Sep 27, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 49
Views: 3223

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

We just purchased a 2017 Honda Touring with AWD. We live in Ohio and there are times that AWD is needed with the weather and snow. The CR-V probably will never go off road, but we can always use it in the snow. The $1500 more for the AWD is worth it to us, as we get older. The Touring trim comes wi...
by CULater
Sun Sep 24, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8334

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

With respect to a surgical procedure, several years ago I wound up at Memorial Sloan-Kettering for cancer surgery, lesions in both lobes of the liver a major surgery. I'll always remember one of my doctors who visited me in my hospital room the day before the surgery. He told me that the surgery tha...
by CULater
Sun Sep 24, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 49
Views: 3223

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

Unless you live in an area with real wintery weather you won't notice the difference between FWD and AWD more than a couple times a year. And in that case, winter tires will do a lot more for you than an AWD system. In addition to the extra $1500 and the lower gas mileage, don't forget the extra mai...
by CULater
Sun Sep 24, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 49
Views: 3223

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

> why not buy the car in AZ? AZ has high registration fees for new cars. This is an excellent reason to own the car in the east for a few years. Doesn't make any difference because your reg fee is based on the MSRP of the vehicle when it was new if it has never been registered in AZ. It is subseque...
by CULater
Sat Sep 23, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: cataract surgery: accommodating vs multifocal lens implants
Replies: 15
Views: 963

Re: cataract surgery: accommodating vs multifocal lens implants

Still debating what to do. Have worse cataract in left eye and right eye still pretty good One ophthalmologist recommended doing both eyes with the standard implants. The other, at a respected University eye clinic, has recommended using toric implants since I have a fair amount of astigmatism and h...
by CULater
Sat Sep 23, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Anybody collecting a Canada Pension in the U.S.?
Replies: 18
Views: 8509

Re: U.S. SSC and Canada CPP

Hi there, new to this board. I am just beginning to explore SS and CPP, still working (in my mid-60's) and will continue working well into my 70's. American citizen who worked in the U.S., then was a landed immigrant working in Canada for about 15 years, then returned to the U.S. and am again worki...
by CULater
Thu Sep 21, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2637

Set up a "reverse auction" to get a deal on buying a car

Been lots of posts about car buying by getting dealer to bid against each other via email. This article suggests setting the process up as a "reverse auction" with several dealers with you as the auctioneer. Pick your dealers, let them all know how many bidders there are and how it will work. When t...
by CULater
Wed Sep 20, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: 2018 Outback Limited vs. 2017 CR-V EX-L
Replies: 48
Views: 3233

Re: 2018 Outback Limited vs. 2017 CR-V EX-L

As far as the CVT goes, I didn't really want one but thought I'd give it a try since reviews of the one in the new CRV were favorable. I have to say that I don't mind it so far. I'm not sure how much the CVT contributes to the growl under acceleration or the slight surge when I start up. That may be...
by CULater
Wed Sep 20, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: 2018 Outback Limited vs. 2017 CR-V EX-L
Replies: 48
Views: 3233

Re: 2018 Outback Limited vs. 2017 CR-V EX-L

Just bought a 2017 CRV Touring after looking at small SUVs for the last 5 years. Owned a 2002 CRV prior. Had drifted toward the Acura RDX but that car has a poor dual screen infotainment system, no dam spare tire, and stuff like that which bugged me. The CRV was a new design and new tech with Androi...
by CULater
Mon Sep 18, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: Are long-term market returns reliable?
Replies: 38
Views: 4045

Re: Are long-term market returns reliable?

Regarding #5, just for starters a knowledge of favorable and unfavorable historical investment periods would be informative of the fact that favorable 30-year periods usually began during times the stock market was down the toilet, and vice versa. Given current valuations and indicators, it would be...
by CULater
Mon Sep 18, 2017 1:32 am
Forum: Investing - Theory, News & General
Topic: Are long-term market returns reliable?
Replies: 38
Views: 4045

Re: Are long-term market returns reliable?

I'm not sure I agree with the comments that, even if poor outcomes can result after 30 years of disciplined saving and investing, that information is not actionable. It's in the hands of the Gods. All we can do is continue to chug along like good soldiers, do what we always do, and believe -- that's...
by CULater
Sun Sep 17, 2017 9:56 pm
Forum: Investing - Theory, News & General
Topic: Are long-term market returns reliable?
Replies: 38
Views: 4045

Re: Are long-term market returns reliable?

rbaldini - I think your concern is that the cited article seems to be misleading, in that you find that nominal returns are actually positive over all the 30-year investing periods even the worst ones. Point taken, but at the end of the day it is real returns, or purchasing power, that counts. If yo...
by CULater
Sun Sep 17, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Mom's condo and capital gains tax after a multi-year absence
Replies: 14
Views: 1320

Re: Selling Mom's condo and capital gains tax after a multi-year absence

I haven't needed to go deeply into this area myself, so take my opinions here with plenty of salt. My general point would be that being a primary residence is not specifically a matter of "which months", but rather the definition of which place was the center of your life. Lots of people have secon...
by CULater
Sun Sep 17, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: How long did it take for Equifax to email you a security sign up?
Replies: 69
Views: 5393

Re: How long did it take for Equifax to email you a security sign up?

I signed up on 9/13. It is now 9/17. No email yet. Am I surprised -- NO. Remember we are dealing with idiots.
by CULater
Sun Sep 17, 2017 5:02 pm
Forum: Investing - Theory, News & General
Topic: Are long-term market returns reliable?
Replies: 38
Views: 4045

Re: Are long-term market returns reliable?

A few things to keep straight: 1) the quoted article shows real (inflation-adjusted) returns. Those are lower than nominal returns. 2) the quoted article shows returns based on periodic investing (dollar-cost averaging) and not investing a single lump sum at the front end. You will have lower termin...