Search found 935 matches

by William4u
Tue May 31, 2016 6:16 pm
Forum: Investing - Theory, News & General
Topic: International stocks underperformed for the last 20 years.
Replies: 48
Views: 1788

Re: International stocks underperformed for the last 20 years.

I've seen the same facts, international underperformance, higher valuations in the U.S., and have gradually increased my international allocation to the point we're I'm at roughly market weighting in international (50/50). A decade ago I was 20% international. 5 years ago, I was 30%. For the last y...
by William4u
Sat May 28, 2016 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Adding a tilt--which international fund to use?
Replies: 65
Views: 3664

Re: Adding a tilt--which international fund to use?

Nice portfolio in theory, but in practice, that GVAL has no volume and no assets for a retirement portfolio. For instance, the reported volume on Friday May 27, 2016 was 1762 shares and the closing price was $18.77. That means about $33,000 of GVAL changed hands. Yes, I see that the 3 month average...
by William4u
Sat May 28, 2016 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Advice on chemist going back for chemE?
Replies: 20
Views: 1125

Re: Advice on chemist going back for chemE?

As others have said, Chem and ChemE are very different... as different as Chem is to MechanicalE, I would say. A farmer and an Agricultural Scientist both work in agriculture, but they are very different fields. That said, a masters degree is the best option here. Do not go back to get a BS. A ChemE...
by William4u
Fri May 27, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: Do I want a house with a pool?
Replies: 92
Views: 5834

Re: Do I want a house with a pool?

Pools are a "love it or hate it" sort of thing. I've met people who regret their pool, and some who thought it was a great thing for their family. I am in the latter group. It does take time and money. It is a labor of love if you kids love it, and their friend love it. It can become a che...
by William4u
Thu May 26, 2016 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: If TSM and SP500 are so alike, why even do TSM?
Replies: 49
Views: 4617

Re: If TSM and SP500 are so alike, why even do TSM?

I didn't ask for a theory that would suggest a large-cap tilt, I can imagine several. But the S&P 500 isn't a large-cap index, that is to say it isn't a systematic, unbiassed selection of the 500 largest cap stocks in the market. It's a committee selection of a representative sample of "le...
by William4u
Thu May 26, 2016 5:03 pm
Forum: Investing - Theory, News & General
Topic: Do you own Vanguard actively managed Equity funds?
Replies: 48
Views: 3483

Re: Do you own Vanguard actively managed Equity funds?

I own the Mid-Cap International Explorer VINEX, since it is offered in my 401k and VSS is not. VINEX has done pretty well for me.
by William4u
Thu May 26, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa rewards card question
Replies: 26
Views: 1936

Re: Fidelity Visa rewards card question

I can't wait to get the 2% Visa. I currently have the 2% Amex, which is a pain to use, and the 1.5% Fidelity Visa. I'm glad to get just one 2% Visa.
by William4u
Thu May 26, 2016 1:33 pm
Forum: Investing - Theory, News & General
Topic: For a friend, Is it possible to invest into Boeing Stock using VG?
Replies: 2
Views: 373

Re: For a friend, Is it possible to invest into Boeing Stock using VG?

Just call Vanguard, they can set it all up the brokerage account easily and even make the trade on the phone. If your friend is Voyager Select, he/she would get $2 trades for Boeing, and if Flagship he/she would get 25 free brokerage trades per year.
by William4u
Thu May 26, 2016 9:19 am
Forum: Personal Consumer Issues
Topic: Sell Car, keep car, lease a car what should I do?
Replies: 17
Views: 930

Re: Sell Car, keep car, lease a car what should I do?

coachz wrote:sell it and buy a Toyota/Honda/Nissan sedan with 50k miles for 7k cash and drive it for 10 more years. I found something that smells better than that new car smell......no payments.


+1 big time!
by William4u
Thu May 26, 2016 9:17 am
Forum: Investing - Theory, News & General
Topic: This Bull Seems to be Getting Pretty Long In the Tooth
Replies: 76
Views: 6608

Re: This Bull Seems to be Getting Pretty Long In the Tooth

Weren't people saying this 5 years ago. And 20 years ago, etc. And each time the market kept going up. No one can predict these things. I stick to my IPS, which just says to rebalance.
by William4u
Tue May 24, 2016 9:48 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway always beats SP500
Replies: 51
Views: 4979

Re: Berkshire Hathaway always beats SP500

BH is basically a 0 expense ratio concentrated quantitative value and private equity mutual fund traded as a stock with a high entry fee (essentially a fund minimum). Manager risk is a huge problem for the future. dont you guys think returning always higher than sp500 in the last 10 years an outlie...
by William4u
Tue May 24, 2016 4:26 pm
Forum: Personal Consumer Issues
Topic: WW2 Books & Education
Replies: 91
Views: 2900

Re: WW2 Books & Education

The Good War by Studs Terkel is a fav. Also, WWII cannot be understood without WWI. All Quiet on the Western Front by Erich Maria Remarque is a great book, but The Guns of August by Barbara W. Tuchman is a MUST read! Everyone should read Tuchman's book. These are excellent suggestions. Two points. ...
by William4u
Tue May 24, 2016 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need both total stock market and small cap index fund?
Replies: 7
Views: 765

Re: Do I need both total stock market and small cap index fund?

Total Market is all you need. Don't overthink it.

Read more by Taylor Larimore on the Majesty of Simplicity...

viewtopic.php?t=33092
viewtopic.php?t=42780
by William4u
Tue May 24, 2016 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Another whole life question
Replies: 20
Views: 931

Re: Another whole life question

I'd get out now. It doesn't look like you need life insurance, and if you did term life would make more sense. I agree with the others.
by William4u
Tue May 24, 2016 12:19 am
Forum: Personal Consumer Issues
Topic: WW2 Books & Education
Replies: 91
Views: 2900

Re: WW2 Books & Education

The Good War by Studs Terkel is a fav. Also, WWII cannot be understood without WWI. All Quiet on the Western Front by Erich Maria Remarque is a great book, but The Guns of August by Barbara W. Tuchman is a MUST read! Everyone should read Tuchman's book.
by William4u
Tue May 24, 2016 12:13 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Voyager Select Service
Replies: 7
Views: 964

Re: Vanguard Voyager Select Service

Mine are counted toward my "status." I would guess your 401k would be too. If you see it when you log into your "taxable" aand IRA vanguard accounts, it should count. Good to know. I would hope it is. Can you share a little more about how the voyager select service works? Do you...
by William4u
Mon May 23, 2016 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Voyager Select Service
Replies: 7
Views: 964

Re: Vanguard Voyager Select Service

Mine are counted toward my "status." I would guess your 401k would be too. If you see it when you log into your "taxable" aand IRA vanguard accounts, it should count.
by William4u
Mon May 23, 2016 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Adding a tilt--which international fund to use?
Replies: 65
Views: 3664

Re: Adding a tilt--which international fund to use?

If you wanted to keep your cheap institutional large blend funds in both the US and International, you could also just tilt small and value, literally: US: 50% Lrg Blend (VTI) 50% Sm Value (VBR, or 25/25 VOE and VBR) INT: 50% Lrg Blend (VXUS) 50% Small Blend (VSS) I would go with something like thi...
by William4u
Mon May 23, 2016 10:01 am
Forum: Personal Consumer Issues
Topic: Ineffective/Dangerous Sunscreens
Replies: 34
Views: 2465

Re: Ineffective/Dangerous Sunscreens

Even the poorly rates sunscreens protected okay. There were some that were rated SPF 30 that were more like SPF 15 in the tests, but that is still 15 times better than nothing! Here is the link... http://www.consumerreports.org/sunscreens/get-the-best-sun-protection/ If you pay a few extra bucks a y...
by William4u
Thu May 19, 2016 9:40 am
Forum: Personal Finance (Not Investing)
Topic: New tires for a 10 year old Camry
Replies: 16
Views: 1237

Re: New tires for a 10 year old Camry

Defender Defender Defender Defender Defender Defender Defender Defender Defender Defender Defender Defender Defender Defender Defender Defender Defender Defender Defender Defender Defender Defender Defender Defender Defender. Does that answer your question? But seriously, the Defender has been the #...
by William4u
Tue May 17, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 31
Views: 1812

Re: Any bad experiences with Brooklyn Bedding mattress?

Though the BB "soft" came closest to my desired mattress, I purchased a medium, and added a 3" soft 100% natural Talalay topper. Specifically, which 3" Talalay latex topper did you use? I'm looking for one and there are so many to choose from. ^checking receipt* "Queen Topp...
by William4u
Tue May 17, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 31
Views: 1812

Re: Any bad experiences with Brooklyn Bedding mattress?

protagonist wrote:Though the BB "soft" came closest to my desired mattress, I purchased a medium, and added a 3" soft 100% natural Talalay topper.


Specifically, which 3" Talalay latex topper did you use? I'm looking for one and there are so many to choose from.
by William4u
Tue May 17, 2016 10:16 am
Forum: Investing - Theory, News & General
Topic: Daily divergence of VTIAX and VXUS
Replies: 5
Views: 433

Re: Daily divergence of VTIAX and VXUS

Apologies for the i'm sure repeat question, but couldn't find good answer in quick search. Occasionally VXUS daily performance differs significantly from VTIAX. For example yesterday VXUS was up +1.46%, while VTIAX closed at +0.88%. Are there differences in China weightings or such that explain the...
by William4u
Mon May 16, 2016 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard FTSE Developed Markets ETF (VEA) enough for international exposure?
Replies: 8
Views: 473

Re: Is the Vanguard FTSE Developed Markets ETF (VEA) enough for international exposure?

My guess is I'm overthinking this a bit and should probably just use Vanguard Total International Stock ETF (VXUS) and be done with it. Yes, I would use 100% VXUS for your international if I were you. VXUS has much overlap with VEA, but VXUS contains small cap and emerging market in addition to VEA...
by William4u
Wed May 11, 2016 2:26 pm
Forum: Personal Consumer Issues
Topic: When is cash better than plastic?
Replies: 74
Views: 6622

Re: When is cash better than plastic?

I often like to pay for relatively small purchases at small businesses (food trucks, etc.) even when they take credit cards because I don't want them to have to pay the merchant fees. My longtime barber just opened her own shop, and now accepts credit. She was very happy to do so, even though the s...
by William4u
Tue May 10, 2016 10:21 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 13880

Re: how much cash do you carry in your wallet?

40 in the wallet
by William4u
Tue May 10, 2016 8:42 am
Forum: Personal Consumer Issues
Topic: The 10 Best States to Grow Old in
Replies: 31
Views: 5083

Re: The 10 Best States to Grow Old in

The article says... Sources included Genworth’s 2015 Cost of Care Survey, the Gallup-Healthways Well-Being Index, and the Long-term Scorecard, a joint effort by AARP, The Commonwealth Fund and The SCAN Foundation. So it seems they are using three measures: ⋅ a widely-cited, large-n "w...
by William4u
Sat May 07, 2016 6:59 pm
Forum: Investing - Theory, News & General
Topic: Help talk me out of this...
Replies: 25
Views: 2006

Re: Help talk me out of this...

I'm re-doing my whole portfolio (401k, IRA, Savings) and am having trouble going with the low cost index funds right now. I've run some comparisons and have seen some manageed funds out produced these for 1, 3, 5, and 10 year interval. What am I missing? Be leery of survivor bias. I have a good 401...
by William4u
Sat May 07, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: Has your workplace transitioned to "open/collaborative space?"
Replies: 51
Views: 4191

Re: Has your workplace transitioned to "open/collaborative space?"

Open collaborative space is much like the office work pits of the old days...

https://www.youtube.com/watch?v=aOYDV3IIWFQ
by William4u
Sat May 07, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Anybody have success reducing memory overhead on windows computers?
Replies: 22
Views: 1953

Re: Anybody have success reducing memory overhead on windows computers?

Using msconfig, how does one know what programs are unnecessarily loading with Win 7? What programs are required to be loaded? Other than your antivirus, you probably need none of them. You can learn more about how to do it and what you can kill here... http://www.netsquirrel.com/msconfig/msconfig_...
by William4u
Sat May 07, 2016 2:41 pm
Forum: Investing - Theory, News & General
Topic: Help talk me out of this...
Replies: 25
Views: 2006

Re: Help talk me out of this...

A. There is NO correlation between past mutual fund winners and future performance. There is a lot of data on this. The argument form is the same as this: 1. JC Penny stock outperformed the S&P 500 in the last 40 years. 2. Therefore JC Penny stock will outperform in the next 40 years. I can easi...
by William4u
Sat May 07, 2016 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with starting investing in EU
Replies: 2
Views: 139

Re: Need help with starting investing in EU

If I were you, I might try investing in Vanguard Developed Markets Index, which is roughly 60% Europe and 40% Asia. It has very low annual expenses (0.09%) and is heavily diversified across 3773 stocks. It can be owned as an ETF or a mutual fund... https://personal.vanguard.com/us/funds/snapshot?Fun...
by William4u
Sat May 07, 2016 12:30 am
Forum: Investing - Help with Personal Investments
Topic: What is considered Inside information?
Replies: 39
Views: 2239

Re: What is considered Inside information?

I would guess than an analyst for this company will know everything the daughter knows and far, far more. It isn't insider trading.

It is something else though. It is gambling on the basis of flimsy, incomplete information on which no analyst would advise trading.
by William4u
Fri May 06, 2016 10:24 pm
Forum: Personal Consumer Issues
Topic: Anybody have success reducing memory overhead on windows computers?
Replies: 22
Views: 1953

Re: Anybody have success reducing memory overhead on windows computers?

Msconfig. Kill off the 100 programs unnecessarily loading with windows 7.
by William4u
Wed May 04, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 10268

Re: University of Virginia vs University of Miami

Taylor Larimore wrote:
But I am sorry that I caused offense by my clumsy was of expressing these (controversial) ideas.

William4u:

You did not cause "offense". I enjoyed your post and the opportunity to make a joke.

Best wishes
Taylor


I'm glad. :D
by William4u
Wed May 04, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 10268

Re: The truth is out.

Currently UVA is 26th and UM is 51st. That represents a huge, huge difference in student intelligence, maturity, life skills, mentoring, and accomplishments. William4u: I am a UM graduate. Until now, I didn't realize I am a stupid, old failure. :( Best wishes. Taylor There are about 2500 4-year uni...
by William4u
Wed May 04, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 10268

Re: University of Virginia vs University of Miami

I've taught quite a lot at a few universities: one ranked around 15th (USNews), another around 30th, and another around 50th. Not to be snarky, but I've also seen people say that one should go to the higher ranked universities because the teachers are better. But doesn't the above statement show th...
by William4u
Wed May 04, 2016 6:46 am
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 99
Views: 6473

Re: How many funds in your portfolio?

Not to go off topic, but I have a quick question to the folks who have more than 8 funds. Are you married? If so does your significant other show interest? If not, do you worry about them not being able to handle this type of portfolio in the event you predecease them? My wife shows very little int...
by William4u
Wed May 04, 2016 6:37 am
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 10268

Re: University of Virginia vs University of Miami

Faculty at UVA will be stronger. And that is nice. However... More importantly, his peers at UVA will be significantly smarter. Even more importantly, his peers at UVA will have much more developed life skills and maturity. Their high school accomplishments will be more substantial and their work e...
by William4u
Wed May 04, 2016 6:12 am
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 99
Views: 6473

Re: How many funds in your portfolio?

walletless wrote:
William4u wrote:5

VTI
VBR
VSS
VWO
VXUS

No Bonds?


No bonds.
by William4u
Wed May 04, 2016 6:04 am
Forum: Investing - Help with Personal Investments
Topic: Help A Special Education Teacher Retire!
Replies: 19
Views: 1829

Re: Help A Special Education Teacher Retire!

As was suggested early in the thread by Jags4186, the way to get more income from that nest egg is to annuitize it via a single premium immediate annuity (SPIA). A quote for annuitizing $425k says that would buy a 69 year old female $2443/month for life. Does the annuity adjust for inflation? The 4...
by William4u
Tue May 03, 2016 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 151
Views: 11149

Re: Is Vanguard phone support always this bad?

I've found that sending Vanguard a secure e-mail seems to be much more productive in achieving a resolution than calling on the phone. This may be because they aren't obligated to answer in real time and can pass the question along to someone who can really answer it. I've occasionally gotten state...
by William4u
Tue May 03, 2016 10:16 pm
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 99
Views: 6473

Re: How many funds in your portfolio?

5

VTI
VBR
VSS
VWO
VXUS
by William4u
Tue May 03, 2016 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Help A Special Education Teacher Retire!
Replies: 19
Views: 1829

Re: Help A Special Education Teacher Retire!

Some Risk Entailed. LifeStrategy Income Fund :happy https://personal.vanguard.com/us/funds/snapshot?FundId=0723&FundIntExt=INT LifeStrategy Income Fund +1. She needs to invest in some stocks to have a decent income. And in one of the better case scenarios, she is going to have $3000/month to li...
by William4u
Mon May 02, 2016 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay back my parents back for paying for some my college costs
Replies: 59
Views: 7339

Re: Should I pay back my parents back for paying for some my college costs

I know quite a few people who have gone through this with their parents. I want to warn you. You might as well go over to their house, and flush the money down their toilet for them. Every time I hear this story, and the child give the parent(s) money, the money is gone in the blink of an eye. Peopl...
by William4u
Sun May 01, 2016 9:23 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 105
Views: 8171

Re: Selling in May and Walking Away?

At the end of May, 2/3 of the time the market will be up, and 1/3 down (like any other month).
by William4u
Sun May 01, 2016 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Couples: Are you and your significant other on the same page financially?
Replies: 65
Views: 5801

Re: Couples: Are you and your significant other on the same page financially?

We are both pretty frugal. I'm far more so than she is, but she is more frugal than most people I know. I know plenty of people who THINK they are frugal and still live beyond their means. Even though she buys stuff I think is unnecessary, she does pretty well. We save 66% of our income, so I can't ...
by William4u
Thu Apr 28, 2016 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Degree, College and Career
Replies: 20
Views: 1818

Re: Degree, College and Career

Great for a decent career for an accountant. A masters will allow him or her to get a good job even at a big accounting firm.
by William4u
Thu Apr 28, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Saving Too Much in Retirement Accounts?
Replies: 35
Views: 4825

Re: Saving Too Much in Retirement Accounts?

I think you are right and your friend is wrong. Often you are financially better off renting and investing what you do not put into a house in an index fund. Homes increase in value not much more than inflation on average. Stocks on average do much, much better than real estate. I suspect your frien...
by William4u
Tue Apr 26, 2016 8:55 pm
Forum: Personal Consumer Issues
Topic: CVT car transmissions
Replies: 25
Views: 2358

Re: CVT car transmissions

effillus wrote:I'm used to driving Corollas and Camrys to 200K miles. I wonder about a CVT at that mileage.


Every Toyota Prius has a CVT, and the transmissions consistently go 300,000 miles with no problems. The Corolla will use the same tech, and likely last as long.

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