Search found 901 matches

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: 8559

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: 8559

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: 8559

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: 85
Views: 3473

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: 8559

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: 85
Views: 3473

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: 1630

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: 132
Views: 8881

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: 85
Views: 3473

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: 1630

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: 58
Views: 4439

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: 83
Views: 6778

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: 55
Views: 3606

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: 1624

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: 4547

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: 2207

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.
by William4u
Tue Apr 26, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: Help Buying First Car
Replies: 31
Views: 1556

Re: Help Buying First Car

Big Honda fan here. They are great cars that keep their value. I would caution you against using shady, standalone used car dealerships. I went to check out a car listed on Auto trader a few years ago. It looked good and didn't seem to have any issues. I brought along a mechanic who pointed out sev...
by William4u
Mon Apr 25, 2016 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: 3.5M taxable bonds
Replies: 39
Views: 3900

Re: 3.5M taxable bonds

If you do not want equities, then you are already doing the right thing.
by William4u
Mon Apr 25, 2016 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Have any of you overextended on housing? What were your experiences?
Replies: 42
Views: 3670

Re: Have any of you overextended on housing? What were your experiences?

The best financial decision of our life together was for us to UNDERBUY our house. When we bought, it was about 1x our income. Now it is even less (our income had gone up faster than the value of the home). It has given our family great flexibility to do a great many things. Sure, we have the smalle...
by William4u
Sun Apr 24, 2016 6:34 am
Forum: Personal Consumer Issues
Topic: Toyota Tacoma owners?
Replies: 56
Views: 6478

Re: Toyota Tacoma owners?

Oh and Id suggest you very carefully monitor for the start of frame rust . I have a friend that has been through the rust recall twice in a row. His first Tacoma the factory bought back, and then he bought a second one which also rusted out and they did the frame swap. Both trucks where garaged in ...
by William4u
Sun Apr 24, 2016 6:26 am
Forum: Investing - Help with Personal Investments
Topic: Gliding Toward Retirement - Where to Put Monthly Surplus
Replies: 3
Views: 786

Re: Gliding Toward Retirement - Where to Put Monthly Surplus

I hope to retire within the next 5 years when I am 62 and perhaps earlier. I am a high income earner in a HCOL area. Not eligible for a Roth IRA, but max out the 401k every year (no match). Spouse is disabled and receives SDI. We have about 9 months of emergency savings (Ally - 1% rate) and a littl...
by William4u
Sun Apr 24, 2016 6:08 am
Forum: Personal Finance (Not Investing)
Topic: switching from snow tires to the warm season
Replies: 7
Views: 691

Re: switching from snow tires to the warm season

All seasons for sure. Most R&D go into all season, and the safety is very good. Summer tires wear much faster than all seasons. Summer tires are rarely used except by performance buffs who want to pay more for a little extra cornering and are willing to sacrifice longevity.
by William4u
Sat Apr 23, 2016 1:47 pm
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 7213

Re: Law School Advice

Since I don't plan to practice where I currently attend school, and my school's reach is largely a very small region of MS and AL, I'm wondering if a transfer (to FSU or Vandy) would serve my interests better. Yes. If you want to practice in Florida, transfer to FSU. I currently practice in Florida...
by William4u
Fri Apr 22, 2016 6:42 pm
Forum: Personal Consumer Issues
Topic: Front tires flat after changing back from snow tires.
Replies: 3
Views: 499

Re: Front tires flat after changing back from snow tires.

I'd bet they didn't clean the corrosion and crud (the old tire bead sealer) off the tire bead area of the rims, and put on new tire bead sealer. If they don't clean up the tire bead really well and use new bead sealer, that is exactly what happens. It also isn't good for tires to be removed and inst...
by William4u
Fri Apr 22, 2016 6:12 pm
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 7213

Re: Law School Advice

Lawyers begin interviewing for second-summer jobs in August of their second year of law school. For OP's daughter, that's August 2016, just four months from now. It's those second-summer jobs that lead to permanent employment, i.e., you're usually either offered a post-graduation job by the firm yo...
by William4u
Thu Apr 21, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 7213

Re: Law School Advice

I know a number of happy lawyers. The almost entirely fall into two categories: I know many law profs, who enjoy what they do quite a lot, and I know quite a few lawyers who started their own firms (after working for a large firm) and shaped their own firms to their liking. I also know some modestly...
by William4u
Thu Apr 21, 2016 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Should I bother with Options Trading?
Replies: 36
Views: 2515

Re: Should I bother with Options Trading?

Taylor Larimore is 100% correct, per usual!
by William4u
Thu Apr 21, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 7213

Re: Law School Advice

I just want to set myself up for the best options possible when I finish school. Since I don't plan to practice where I currently attend school, and my school's reach is largely a very small region of MS and AL, I'm wondering if a transfer (to FSU or Vandy) would serve my interests better. Thanks f...
by William4u
Thu Apr 21, 2016 6:16 am
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 8559

Re: University of Virginia vs University of Miami

TomatoTomahto wrote:
Is it possible you have an outdated view of how good a school Miami is?

The question wasn't posed to me, but maybe I need to recalibrate my view of Miami.


I stand corrected.
by William4u
Wed Apr 20, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 204
Views: 9639

Re: Soapbox (car safety features)

The nice thing about federal requirements is that the safety features are in the cheaper standard models, and the car companies cannot require one pay for high-end trims to get the safety features.

I can't wait for many of these features to be standard.
by William4u
Wed Apr 20, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 8559

Re: University of Virginia vs University of Miami

The colleges that these students (who got into highly selective private universities) went to instead were still very selective colleges. These are less selective, but still selective. So they weren't getting into Harvard and then going to Ball State instead. They were instead going to high quality...
by William4u
Wed Apr 20, 2016 11:31 am
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 8559

Re: University of Virginia vs University of Miami

The colleges that these students (who got into highly selective private universities) went to instead were still very selective colleges. These are less selective, but still selective. So they weren't getting into Harvard and then going to Ball State instead. They were instead going to high quality...
by William4u
Wed Apr 20, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 204
Views: 9639

Re: Soapbox (car safety features)

I was in a fish-tailing accident (a friend was driving). We hit some black ice and the rear end started to going out of alignment with the direction of travel. If the car had stability control, we would have not been in an accident. Luckily, no one was hurt.
by William4u
Wed Apr 20, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 7213

Re: Law School Advice

And Law Review is a must anywhere to open doors and to be taken seriously. I think this is overstated a bit. At top schools, plenty of non law-review types have no trouble getting their pick of several large firm jobs. Law review is a big plus, but grades are the most important thing for large firm...
by William4u
Tue Apr 19, 2016 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 8559

Re: University of Virginia vs University of Miami

I think it's worth reviewing the study that says that people who go to elite schools and people who get into elite schools but go somewhere less selective earn the same amount of money. Exceptions are African Americans, Latinos, low-income students, and first generation college students. http://www...
by William4u
Tue Apr 19, 2016 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 8559

Re: University of Virginia vs University of Miami

I think it's worth reviewing the study that says that people who go to elite schools and people who get into elite schools but go somewhere less selective earn the same amount of money. Exceptions are African Americans, Latinos, low-income students, and first generation college students. http://www...
by William4u
Tue Apr 19, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 7213

Re: Law School Advice

She needs to get a volunteer job her first summer STAT. She should do this in her home town to keep the costs low (living with you, presumably). Or, if she likes her area, do it there. Just have her call public defender and legal aid offices and the like. It could be too late, but someone will want...
by William4u
Tue Apr 19, 2016 11:48 am
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 7213

Re: Law School Advice

In general, wanting careers in things like Academia, Sports Law, International Human Rights, etc. are moonshot expectations that the vast majority of law school students will never have a shot at (and are often not what those starry-eyed students think they are). At a school ranked around 100, the ...
by William4u
Tue Apr 19, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 7213

Re: Law School Advice

Lots of good advice here (see Rupert's above). Law schools are granting far more JDs than there are jobs in law firms, and the lucrative corporate law firm jobs are more competitive than ever. Low ranked JD programs are placing almost no one in decent jobs. Many JD programs are fudging their placeme...
by William4u
Sun Apr 17, 2016 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 8559

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 et...
by William4u
Wed Apr 13, 2016 11:48 am
Forum: Personal Consumer Issues
Topic: Preventative car maintenance?
Replies: 38
Views: 4052

Re: Preventative car maintenance?

Trying to decide if/when to do timing belt and water pump replacement on '98 Camry 6 cyl with 73,000 miles. Bought if privately (from longtome friends) last year. They bought it as demonstrator in 1998 and put few miles on it and took good care of it. Are there any "warning signs" of eith...
by William4u
Fri Apr 08, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: San Francisco in August - hotel options?
Replies: 42
Views: 1980

Re: San Francisco in August - hotel options?

My wife and I plus our two children (18 and 9 y.o.) will travel to San Francisco in late July for eight days, flying from Dallas on Southwest Airlines. We'd like the hive mind's opinion on the following hotel plans: 1. Stay for four days in the Union Square area We have staying in a few hotels in t...
by William4u
Fri Apr 08, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda Sensing?
Replies: 41
Views: 2657

Re: Experience with Honda Sensing?

I saw a test a little while back on the "emergency braking" systems of toyota, honda, subaru, and volvo. Only the subaru and volvo consistently did not hit the dummy car in front of them when the car accelerated quickly toward the dummy with no one touching the brakes.
by William4u
Thu Apr 07, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda Sensing?
Replies: 41
Views: 2657

Re: Experience with Honda Sensing?

Have the Acura equivalent, which is largely the same, and was the main reason I bought the car. I absolutely love it, particularly when I am in stop and go traffic and having trouble keeping my eyes open at the wheel - no reason to worry about slamming into the person in front. I think the differen...
by William4u
Mon Apr 04, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6275

Re: led vs cfl

LEDs are better is just about every possible way.
by William4u
Mon Apr 04, 2016 11:07 am
Forum: Personal Finance (Not Investing)
Topic: When is it ok to splurge?
Replies: 83
Views: 7748

Re: When is it ok to splurge?

Spurge when there are no higher priorities for the money, and you have plenty to spare. Life is pretty good if that becomes a boat. I'd worry that it would become a money pit at 100k for the boat.
by William4u
Sat Apr 02, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 6765

Re: Five Best National Parks to Visit?

White Coat Investor wrote:
Canyon de Chelly - Technically a monument but FREE and spectacular Anasazi ruins. Zero crowds.


+1 on Canyon de Chelly. Wonderful place to visit and no crowds at all. One of our favs.

https://www.google.com/search?q=Canyon+ ... +de+Chelly
by William4u
Fri Apr 01, 2016 9:35 pm
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 6765

Re: Five Best National Parks to Visit?

Second tier favorites: Grand Canyon (south rim) Bryce Bandolier National Monument Crater Lake Olympic Big Bend Rocky Mountain Arches Craters of the Moon National Monument Acoma Pueblo (not a NP or NM) Sorry, hard to choose. They are all so different and it depends on the time of year you visit. Cra...
by William4u
Fri Apr 01, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 6765

Re: Five Best National Parks to Visit?

Isle Royal - oh yes, the stars! Death Valley - extreme Mesa Verde - my personal favorite - ancient cliff dwellers Andersonville POW camp - historical and unexpected Crater Lake - striking to the imagination Everyone who has been to Isle Royal says that it surprised them in how amazing it was. I nee...
by William4u
Thu Mar 31, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Where would you pick for five days - Yellowstone, Seattle area, or Canadian Rockies?
Replies: 13
Views: 978

Re: Where would you pick for five days - Yellowstone, Seattle area, or Canadian Rockies?

Rupert wrote:Do Glacier NP and Waterton across the Canadian border. That way your MIL can see the US and Canadian Rockies.


+1 on Glacier and Waterton. If you like Yellowstone, you will love it!

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