Search found 1171 matches

by William4u
Thu May 25, 2017 9:22 am
Forum: Investing - Theory, News & General
Topic: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks
Replies: 33
Views: 1502

Re: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks

The only legitimate criticism of index funds, IMHO, is how they will effect corporate governance. Vanguard, Blackrock, and State Street are the largest non-insider owners of most publicly traded companies. Will index fund managers hold corporate management accountable in the same way individual sha...
by William4u
Wed May 24, 2017 6:10 am
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 76
Views: 8173

Re: i am my own "guy," but not sure I should advertise that

Giving good advice rarely helps, since many are living in a sea of bad advice. The good advice looks like bad advice to most. There is no "gold star" attached to good advice and good reasoning. For most people, there is no easy way to tell the difference. The ability to recognize good advi...
by William4u
Tue May 23, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 4314

Re: At what point to buy new car for safety

It is worth noting that the risk of serious injury is many times the risk of death. Insurance companies expect the average driver to be at fault in an accident once every 17.9 years. Aaaand... 1. You have a one in four chance of being in some kind of auto accident within any five year period of time...
by William4u
Mon May 22, 2017 5:30 am
Forum: Personal Consumer Issues
Topic: Sell 2015 Subaru or Keep?
Replies: 39
Views: 3163

Re: Sell 2015 Subaru or Keep?

If buying the car prevented you from maxing out your 401k and IRA, then it was NOT something you could afford (in the sense of "I can afford to buy this and put plenty into a comfortable retirement and an emergency fund"). You should probably calculate how much you should be saving per yea...
by William4u
Sun May 21, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 4314

Re: At what point to buy new car for safety

The overall driver death rate for all 2011 and equivalent models during 2009-12 was 28 deaths per million registered vehicle years. The overall driver death rate for all 2002 and equivalent models during 2000-03 was 87 deaths per million registered vehicle years. http://www.iihs.org/iihs/topics/driv...
by William4u
Tue May 16, 2017 8:06 pm
Forum: Investing - Theory, News & General
Topic: American Funds beat out Vanguard Index over lifetime?
Replies: 62
Views: 6554

Re: American Funds beat out Vanguard Index over lifetime?

There are probably an endless number of American Funds that LOST to the S&P500, especially after loads, ERs, taxes, and advisory fees.

If I threw together 100 random funds, a couple would beat the S&P500 by random chance alone.
by William4u
Tue May 16, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 91
Views: 7190

Re: Which Small SUV for 15 Year Reliability?

The 2017 RAV4 has many more safety features standard than the others, including the Pre-Collision System with Pedestrian Detection & Vehicle Detection, Lane Departure Alert with Steering Assist, Automatic High Beams, and Dynamic Radar Cruise Control. You would need to get upper trims on the othe...
by William4u
Thu May 11, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help with picking 401K fund(s)
Replies: 12
Views: 449

Re: Help with picking 401K fund(s)

This post by grabiner indicates that a breakeven between poor 401K and taxable investing might be 2% or higher, depending on how long you plan to stay with the company. https://www.bogleheads.org/forum/viewtopic.php?t=192490#p2926272. The second table on this wiki page provides guidance on how you ...
by William4u
Thu May 11, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Help with picking 401K fund(s)
Replies: 12
Views: 449

Re: Help with picking 401K fund(s)

Sorry that your investment options are not great, but I agree with going with the S&P 500 fund. Try to diversify your portfolio with your other accounts. -WSP +1 Yup, your 401k isn't good, but 100% S&P500 is the way to go in that account, and that is ok. All the other choices "stink to...
by William4u
Sun May 07, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 3064

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

No university I know of will "guarantee" more than one year of funding. The usual practice is to offer one year of funding and that it is renewable up to a maximum of x years provided that the student performs "satisfactorily." I work in a College of Arts and Science, and any R1...
by William4u
Sun May 07, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 3064

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

I would not recommend anyone to pay for a PhD and due to the distance the price is even more crazy. How is the offer considered "full funding", they are barely covering the tuition including fees. Not to mention, only 1 year of guaranteed "funding"... No university I know of wil...
by William4u
Sat May 06, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 3064

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

I would not recommend anyone to pay for a PhD and due to the distance the price is even more crazy. How is the offer considered "full funding", they are barely covering the tuition including fees. Not to mention, only 1 year of guaranteed "funding"... No university I know of wil...
by William4u
Sat May 06, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Small cap value tilt portfolio review
Replies: 25
Views: 1949

Re: Small cap value tilt portfolio review

I use all VBR for small cap (value), but your portfolio is certainly just fine (and way better than most).
by William4u
Thu May 04, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas in the US south - Christmas 2017 - Galveston, St Augustine? Others?
Replies: 21
Views: 1062

Re: Vacation ideas in the US south - Christmas 2017 - Galveston, St Augustine? Others?

My parents retired to St. Augustine 30 years ago and I've been there many, many, many times. It is really a nice little area for some slow relaxing. • The old town and fort are nice to visit and the bay front is a great place to walk. • Anastasia Beach Park is very beautiful and not busy at all. Gr...
by William4u
Tue May 02, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 3634

Re: Car maintenance for older cars - where do you go ?

1. Fram Ultras are some of the best filters made. They aren't your grandpa's orange can. This is the consensus on BITOG, the main website on such matters... https://www.bobistheoilguy.com/forums/ubbthreads.php?ubb=showflat&Number=2956943 subpar build and pleat count. Much better choices out the...
by William4u
Mon May 01, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 3634

Re: Car maintenance for older cars - where do you go ?

Good synthetic 5 quart containers of oil can be had for $10-12 or so with rebate. In the last 12 months I've bought a few Mobil 1 5 quart containers for $13 after rebate, and a few Pennzoil Platinum's for $10. Many oil companies have a sale with rebates a few months a year. There is an M1 rebate ri...
by William4u
Sat Apr 29, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 47
Views: 3264

Re: Honda Transmission Service

If Honda owners would just do a drain and fill with ATF once a year, about 99% of them would never need major transmission service. The old atf looses some of its additive strength and leaving the old fluid in leaves small pieces of metal that wear the gears like sandpaper.
by William4u
Sat Apr 29, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Am I in Trouble [Assets in cash, help requested]
Replies: 17
Views: 2525

Re: Am I in Trouble

Definitely get a FIDUCIARY financial adviser that is paid by the hour. You are financially in good shape, but you need advice.

http://money.usnews.com/money/blogs/the ... -fiduciary
by William4u
Sat Apr 29, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 3634

Re: Car maintenance for older cars - where do you go ?

Good synthetic 5 quart containers of oil can be had for $10-12 or so with rebate. In the last 12 months I've bought a few Mobil 1 5 quart containers for $13 after rebate, and a few Pennzoil Platinum's for $10. Many oil companies have a sale with rebates a few months a year. There is an M1 rebate rig...
by William4u
Sat Apr 29, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 3634

Re: Car maintenance for older cars - where do you go ?

A good Independent Mechanic that specializes in Toyotas would be ideal. There are a few in every middle-sized city. Any good independent mechanic (automotive technician to be more precise) would work well too. Dealer mechanics tend to be more trained on newer cars but are often unfamiliar with older...
by William4u
Fri Apr 28, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: A Morbid Subject
Replies: 20
Views: 2572

Re: A Morbid Subject

I know it wont be a popular opinion but my DW and I both subscribe to voluntary euthanasia and assisted suicide for the elderly. It's not a decision to be taken lightly obviously but I would very much opt out of life if I were confined to a certain kind of life. Obviously, how you view death plays ...
by William4u
Fri Apr 28, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Just switched to Vanguard and TOTALLY overwhelmed
Replies: 18
Views: 2214

Re: Just switched to Vanguard and TOTALLY overwhelmed

There is no rush. You need not do anything for now. You can just read a little on bogleheads, ask a few occasional questions, and slowly, in a few months, you will be more confident with what you want to do.
by William4u
Fri Apr 28, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Just switched to Vanguard and TOTALLY overwhelmed
Replies: 18
Views: 2214

Re: Just switched to Vanguard and TOTALLY overwhelmed

Many here like the 3 fund portfolio. The target date fund is three fund portfolio, and is great. Basically, I think there is no reason to own any funds other than... 1. Total Domestic Index (VTI) 2. Total International Index (VXUS) 3. Total Bond (BND) The target date fund are essentially these three...
by William4u
Sat Apr 22, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 3620

Re: Car Choices

So, I'd just get it fixed. 2013 is not old. FORD: fixed or repaired delay DROF: driver return on foot. Buy the accord. If an SE model is available look at that so you get features between the EX-L and EX. Heated Leather seats. No sunroof. Etc I stand corrected. There is a "Talking Cars with Co...
by William4u
Sat Apr 22, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 3620

Re: Car Choices

If he doesn't hate the car (other than the leak), take it to a reputable independent shop. Dealers, for the most part, are worthless and very expensive. You can often find significantly more experience at independent shops. +1 Often, the dealers have the newbies just out of auto tech school. They g...
by William4u
Thu Apr 06, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: New Tires for 2013 Mazda 3
Replies: 16
Views: 1059

Re: New Tires for 2013 Mazda 3

The Defender provides even more treadwear and a softer ride than the Premier, but gives up cornering grip and sporty responsiveness. So, if you drive the Mazda3 for that 'zoom zoom,' you may not like the feel of the Defender tires, although they will last you a long time. If, on the other hand, you...
by William4u
Wed Apr 05, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: New Tires for 2013 Mazda 3
Replies: 16
Views: 1059

Re: New Tires for 2013 Mazda 3

Michelin Defender, hands down, is the best value for the money. It costs a little more up front, but they last about twice as long as many other tires (90k according to Consumer Reports).
by William4u
Wed Apr 05, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: replace or keep car with 60k miles?
Replies: 39
Views: 3078

Re: replace or keep car with 60k miles?

I would keep untill it dies. I have 4 cars-age 12,15,22,38-Mileage 50,000 up to 200000. I rent a car every 6 months to take a month trip. $500 a month plus I drive up to 10,000 miles...Free mileage.in 3 years spent $2500 on rental but drove 35,000. Going to Alaska again in June. I want to rent a ca...
by William4u
Mon Apr 03, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Advice on setting up a network-level VPN
Replies: 29
Views: 1852

Re: Advice on setting up a network-level VPN

Private Internet Access is a good VPN for $3 month and works well with DD-WRT. You can get the routers cheaply off ebay or amazon. https://www.privateinternetaccess.com/pages/client-support/dd-wrt-openvpn You can buy a router with the VPN of your choice preinstalled with DDWRT... https://www.flashro...
by William4u
Sat Apr 01, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Saving 50% of salary; what does it really mean?
Replies: 142
Views: 10863

Re: Saving 50% of salary; what does it really mean?

We save about 50%-60%. We are lucky enough to own our house and cars outright. We are 100% in stocks, in part because it is mostly for our heirs and charities. We could retire now but like to work. We spend about $1000/month on groceries. We go to a restaurant once or twice a week. We travel a good ...
by William4u
Sat Mar 25, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 5694

Re: Vehicles as a percentage of net worth

Yeah, at my Toyota dealership you can choose between a lower price for the car (usually a special incentive or rebate) or 0% financing (but not both). I get the lower price with the higher APR and then pay off the loan immediately (the dealership gets incentives from toyota to push the financing th...
by William4u
Thu Mar 23, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 5694

Re: Vehicles as a percentage of net worth

Is it really that much of a sin to borrow money to pay for a car? I almost always qualify for a <2% loan, sometimes even 0% for x number of months. Wouldn't that be worth it? It's about revenue. The dealership likes to make money. I haven't seen any consistent method of getting 0% unless you pay MS...
by William4u
Wed Mar 22, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 5694

Re: Vehicles as a percentage of net worth

Our cars are about 0.25% of our net worth. We hate having depreciating assets, so we try to be frugal with our cars (although safety and reliability are key).
by William4u
Tue Mar 21, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 51
Views: 3562

Re: Do I need new tires?

2/32 is way to low even if it is legal.
by William4u
Tue Mar 21, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?
Replies: 25
Views: 1431

Re: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?

gtownsend wrote:I, too, am sold on Eneloops batteries, and I like the LaCrosse BC-700 charger.


+1 I have both and they are the best currently available.
by William4u
Fri Mar 17, 2017 5:12 pm
Forum: Investing - Theory, News & General
Topic: Help with rebuttal to a Facebook post
Replies: 36
Views: 4217

Re: Help with rebuttal to a Facebook post

Would you guys more familiar than I with the index funds and the tricks mutual fund pushers use give a rebuttal to these charts. I know they are blowing a lot of smoke, but I'd like some wiser eyes to explain it so I can shut him up! Thanks, and have no mercy It's intellectually dishonest for an ad...
by William4u
Thu Mar 16, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 3404

Re: How do you cope with regret over selling too soon?

Follow the Boglehead Philosophy.. 1. Only buy low cost index funds. 2. Invest for the long term. 3. Ignore the noise, ignore the news (pretend that you're dead). 4. Stay the course and follow your IPS (and learn what a Boglehead IPS is). 5. Stay the course. 6. Stay the course. Stay the course and do...
by William4u
Wed Mar 15, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 20
Views: 2530

Re: Costco tire - Michelin vs Bridgestone

The Michelins are better IMHO and worth it.
by William4u
Mon Mar 13, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Which 403b out of these choices?
Replies: 5
Views: 496

Re: Which 403b out of these choices?

All excellent. The 2nd option with Vanguard is best for large accounts.
by William4u
Wed Mar 08, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need small caps?
Replies: 37
Views: 3338

Re: Do I need small caps?

Total market is all you need.
by William4u
Tue Mar 07, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Paying Too Much in Expense Ratio?
Replies: 27
Views: 1823

Re: Am I Paying Too Much in Expense Ratio?

Ughhh I was expecting this. I have a work TSP which has a pretty aggressive set up currently. These funds in Acorn and Gabelli are just for a brokerage account. I have had them for awhile so i don't think there is a deferred load, but regardless I am going to pull them out and move them over to Van...
by William4u
Tue Mar 07, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Paying Too Much in Expense Ratio?
Replies: 27
Views: 1823

Re: Am I Paying Too Much in Expense Ratio?

Also, an extra 1% annual ER over 40 years can easily take 1/3rd of your retirement money. So, instead of $3 million, you would have only $2 million for no good reason. See this data from Vanguard... CUMULATIVE IMPACT OF FEES: ................................. Annual Fee ............ .0.10% ....... 0...
by William4u
Tue Mar 07, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Am I Paying Too Much in Expense Ratio?
Replies: 27
Views: 1823

Re: Am I Paying Too Much in Expense Ratio?

Yes, that is very, very high. IMHO anything above 0.20% is high. Anything above 1% is very high. Over 2% is insane and criminal.

VTI is 0.05%.
by William4u
Sun Mar 05, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 6191

Re: Camry Redesign

For most Americans, the #1 risk of death in any one year is in a car crash . And yet one's odds of being seriously injured in a crash and many, many times that. According to this http://www.medicalnewstoday.com/articles/282929.php all accidental deaths (car accidents were only a part) were the #4 c...
by William4u
Sun Mar 05, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 6191

Re: Camry Redesign

How many safety improvements have there been on cars since you bought your 2000 Camry? Quite a lot, I think. Will the 2018 Camry be better than the 2017 in this regard? Certainly yes. However, how does that balance out against the risk of driving your 17 year old car another year (or two) vs. drivi...
by William4u
Sun Mar 05, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 6191

Re: Camry Redesign

2002 Camry is a lot less safe than the 2017 prius or camry. But the over all risk reductions ( say from 20 deaths per 10million miles to 10) isn't that huge. Your odds of dying might be cut in half but your odds of dying are still tiny. Using your example, I regard the risk difference as "nois...
by William4u
Sat Mar 04, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 6191

Re: Camry Redesign

The 2018 Camry will have TSS-P standard on all trims, which IMHO is huge. The safety features have been shown to be "the new seat belt."

http://www.toyota.com/owners/resources/ ... fety-sense
by William4u
Wed Mar 01, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Need a FSA expert, can't find the answer online clearly...
Replies: 6
Views: 438

Re: Need a FSA expert, can't find the answer online clearly...

My understanding is the "work related" part is very liberal. If one of you works, you can claim that the child care helps you work. We got a night nurse and it was covered by our FSA, since not sleeping at night affected my work. I would, however, double check with your FSA provider. They ...
by William4u
Wed Mar 01, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Need a FSA expert, can't find the answer online clearly...
Replies: 6
Views: 438

Re: Need a FSA expert, can't find the answer online clearly...

In our employer's FSA, you put money in separately for child care and for health care. If and only if you put money in for child "dependent care" can you use it for babysitting services. There are some rules, but they are pretty liberal. Most anyone can babysit, and if they give you the fo...
by William4u
Mon Feb 27, 2017 10:59 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 3967

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

I've only been actively posting here for about the last 5 years, but I learned a lot from the forum even before I ever had a username. Such a gift to the investing community.

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