Search found 346 matches

by noyopacific
Sun Apr 17, 2016 10:43 am
Forum: Investing - Theory, News & General
Topic: Stock picking services
Replies: 39
Views: 2620

Re: Stock picking services

Good luck then.

I think that a stock picking service that had a true, demonstrable insight into identifying underpriced stocks would be far too valuable to offer that service for the mere price of a subscription.

If it doesn't work out for you, I'm sure you will be welcome back here.
by noyopacific
Fri Apr 15, 2016 3:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Lures More Funds Than All U.S. Rivals Combined
Replies: 12
Views: 1370

Re: Vanguard Lures More Funds Than All U.S. Rivals Combined

The thing that makes this most remarkable to me is that Vanguard didn't attract the biggest share of investment dollars because they had the top performing funds over the past X # of year(s.) An alternative headline might be:

Vanguard Funds Consistently Perform Slightly Above Average !

:wink:
by noyopacific
Mon Apr 11, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Having a well drilled - looking for advice/tips
Replies: 7
Views: 915

Re: Having a well drilled - looking for advice/tips

Elsebit, I used to work occasionally for a friend who cleaned and serviced wells. We worked on both hand-dug & drilled wells. In most areas of the country, hand-dug wells are an anomaly and few people know anything about taking care of them. The comment about your service company that recommende...
by noyopacific
Sat Mar 05, 2016 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: defined benefit plan + simple ira?
Replies: 1
Views: 279

Re: defined benefit plan + simple ira?

It is my understanding that in order to enjoy the tax advantages of the program, a Defined Benefit Plan (DBP) is generally required to cover all employees who work over 1,000 hours per year. This includes, all current employees (and all future new hires) that might work over 1,000 hours a year. The ...
by noyopacific
Fri Feb 19, 2016 4:46 pm
Forum: Investing - Theory, News & General
Topic: Active vs. Passive Management
Replies: 23
Views: 1942

Re: Active vs. Passive Management

You might want to review or consider handing out copies of this article. It's an eminently readable story aimed at an audience of people who are not investment professionals. It has been discussed before here on Bogleheads: The Best Investment Advice You'll Never Get : "As Google’s historic Aug...
by noyopacific
Wed Feb 03, 2016 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard have an annual meeting?
Replies: 3
Views: 748

Re: Does Vanguard have an annual meeting?

Vanguard does not have annual shareholder meetings because they do not have shareholders in the same sense as a corporation. As a mutual fund owner you are a shareholder in that fund, but a client of the Vanguard organization. I do agree, however, that if Vanguard had regular client meetings they m...
by noyopacific
Sun Dec 13, 2015 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Should I continue to postpone Social Security?
Replies: 27
Views: 2705

Re: Should I continue to postpone Social Security?

(The calculated returns ignore inflation and possible inflation adjustments in SS benefits.) Why would you ignore inflation? Seems like an odd assumption to make here... Adding an unknown variable to the equation results in a result that is difficult to compute or for me to make much sense of. I su...
by noyopacific
Sun Dec 13, 2015 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should I continue to postpone Social Security?
Replies: 27
Views: 2705

Re: Should I continue to postpone Social Security?

Cody, I did an analysis a few years ago. I tried to identify how long I would have to live to come out ahead by waiting to take SS. I also assumed that if I took SS benefits earlier, that the amount of SS I collected would have otherwise been withdrawn from my IRA. I then figured the amount that wer...
by noyopacific
Wed Dec 09, 2015 3:42 am
Forum: Investing - Help with Personal Investments
Topic: Need help with investing windfall - (Australian Investor)
Replies: 9
Views: 996

Re: Need help with investing windfall - (Australian Investor)

Hello, Does anyone have any recommendations on how I should structure the portfolio to hold my inheritance for the next year ? Frazz, I did read your entire post. The phrase: "for the next year" was the key. You are not yet prepared for a long enough investment horizon to consider equitie...
by noyopacific
Wed Dec 09, 2015 3:16 am
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 168
Views: 22339

Re: Who's buying Oil stocks?

Why is the ER for VDE 0.12 and VGELX 0.32? Is active management really worth 0.2? The past 10 years performance seems to suggest maybe not. VDE has gained 4.51% annualized over 10 years, VGELX has gained 3.09% annualized over 10. This is not really a perfect comparison however. VGELX is a global en...
by noyopacific
Mon Nov 23, 2015 3:00 am
Forum: Investing - Theory, News & General
Topic: Who has the advantage, individuals or pros?
Replies: 29
Views: 3668

Re: Who has the advantage, individuals or pros?

During the pre-season the pros have the advantage.
They can generate operating revenue whether or not they play well in the second half.

During the playoffs the individuals have a better chance.
When total returns are counted, we don't need to carry the burden of fees the pros have to drag around.
by noyopacific
Mon Nov 23, 2015 2:50 am
Forum: Investing - Theory, News & General
Topic: "Stock Index Not Going to Crash" vs. "Coming Stock Market Crash"
Replies: 11
Views: 1747

"Stock Index Not Going to Crash" vs. "Coming Stock Market Crash"

I was pleased to see both of these headlines in the past weeks news. http://www.marketoracle.co.uk/Article53045.html http://www.thestreet.com/story/13369789/1/coming-stock-market-crash-can-be-seen-in-this-one-chart.html I think both predictions are kind of silly and neither is especially significant...
by noyopacific
Fri Nov 20, 2015 3:34 am
Forum: Personal Consumer Issues
Topic: Cinder Block Wall
Replies: 14
Views: 2046

Re: Cinder Block Wall

I would worry that a 5' or 6' wooden wall above mortarless blocks would become too unstable in the wind. We live near the coast and the storms can bring gusts of around 60 mph. The blocks are reinforced with steel rebar and filled with concrete. This is really an engineering question though. I thin...
by noyopacific
Mon Nov 16, 2015 8:18 pm
Forum: Personal Consumer Issues
Topic: Cinder Block Wall
Replies: 14
Views: 2046

Re: Cinder Block Wall

I recently installed a concrete (cinder) block foundation for a storage shed myself using mortarless block, aka: Concrete Masonry Units (CMU's.) I enjoyed the project and it was very simple. Mortarless blocks don't require mortared joints which require much more skill to form correctly. If you weren...
by noyopacific
Thu Nov 12, 2015 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity pros and cons
Replies: 26
Views: 2678

Re: Annuity pros and cons

I have one (annuity) that I can add too and will not go below 3.5 interest rate and no fees required. "Will not go below 3.5%" sounds like some kind of variable annuity. Most Bogleheads dislike variable annuities. "no fees required" Sounds like you may have been misled somewhat....
by noyopacific
Thu Nov 12, 2015 5:55 pm
Forum: Personal Consumer Issues
Topic: Well Water - black residue
Replies: 17
Views: 2175

Re: Well Water - black residue

I used to help out a friend who had a well pump business. He serviced a few wells that would get a grey sludge on the pump and inside of the pipes. He had identified as some type of bacteria. It is messy to work with but harmless to humans. We would clean it out but the goop would return within a ye...
by noyopacific
Wed Nov 04, 2015 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to make finance talk for MDs sound interesting?
Replies: 24
Views: 1963

Re: How to make finance talk for MDs sound interesting?

One of my all-time favorites is still: "The Best Investment Advice You'll Never Get" http://www.modernluxury.com/san-francisco/story/the-best-investment-advice-youll-never-get It might be worthwhile to try using nisiprius's announcement pitch above. You can even suggest that you are offeri...
by noyopacific
Thu Oct 29, 2015 5:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Funds Sue Vereit REIT for 'Billions'
Replies: 4
Views: 1304

Re: Vanguard Funds Sue Vereit REIT for 'Billions'

I don't want Vanguard to start dabbling in activist investing practices but am very pleased to see that Vanguard is willing to "go to the mattresses" when they feel it is necessary to protect shareholder interests from apparent fraud. I wonder why Federal law enforcement has not stepped up...
by noyopacific
Wed Oct 28, 2015 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: short term investment options needed....
Replies: 3
Views: 328

Re: short term investment options needed....

Bank savings or CD's probably offer the best rates for a short term, liquid, low-risk option. If I were comparing bank interest rates, I'd keep in mind that it is often the weakest banks that are offering the highest rates. I'd want to make sure my account(s) are FDIC insured. Some banks have been k...
by noyopacific
Tue Oct 27, 2015 4:39 pm
Forum: Investing - Theory, News & General
Topic: "Financial Advice Is Improving Across the Board"
Replies: 8
Views: 1852

Re: "Financial Advice Is Improving Across the Board"

As a lucrative industry with low entrance standards, financial advice has been and will be a refuge for ambitious frauds. This comment gave me a good laugh ! But I'm not going to agree with this one: Of course, financial advice is more complicated than personal training. It's only an analogy, my fi...
by noyopacific
Tue Oct 27, 2015 4:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 67
Views: 8957

Re: Congrats to Laura Dogu

Congratulations! :thumbsup I've been having this story come up again in my Google news feed because "Bogleheads" is one of my news search keywords. http://www.allgov.com/news/appointments-and-resignations/us-ambassador-to-nicaragua-who-is-laura-dogu-151018?news=857660 I looked to see that ...
by noyopacific
Mon Oct 26, 2015 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: How to Compare Rental Property vs 60/40
Replies: 7
Views: 877

Re: How to Compare Rental Property vs 60/40

You might want to investigate using something like the "capitalization of income approach" to evaluate your expected / projected returns against value or cost. While this approach is most often used to estimate the value of an investment property or security based on the expected / project...
by noyopacific
Thu Oct 01, 2015 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with a lump sum?
Replies: 2
Views: 299

Re: What to do with a lump sum?

Brmprice, You might want to read the Boglehead's Wiki on this very topic: https://www.bogleheads.org/wiki/Lump_sum_vs_pension Brmprice: With the recent correction and many pundits saying things may continue to slide, I am questioning the timing and direction of investing this money. Every milligram ...
by noyopacific
Thu Oct 01, 2015 10:00 pm
Forum: Investing - Theory, News & General
Topic: mid year SPIVA report, deja vu all over again
Replies: 3
Views: 582

Re: mid year SPIVA report, deja vu all over again

Some might say you are just "preaching to the choir," but that's okay with me.
There are very few stories I have heard so often yet enjoy so much as SPIVA's tale of:
"Mr. MarketIndex trounces Mr. HotShot . . . AGAIN !"
by noyopacific
Thu Oct 01, 2015 8:59 pm
Forum: Personal Consumer Issues
Topic: Made the phone carrier switch out of AT&T!
Replies: 19
Views: 3466

Re: Made the phone carrier switch out of AT&T!

When you reinstated the account in order to port your phone # to AirVoice, should I I assume AT&T charged for this service?
After the account is reinstated in order to port the #, is it necessary to cancel the AT&T service again to prevent further charges?
Thanks for the tips.
by noyopacific
Wed Sep 30, 2015 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Difference between 500 Index Fund Admiral and Investor?
Replies: 12
Views: 1095

Re: Difference between 500 Index Fund Admiral and Investor?

Over the past 5 years, a $10,000 investment in the: Investor class (VFINX) shares would be worth $19,728.77 Admiral class (VFIAX) shares would be worth $19.937.47 The difference is that for each $10,000* invested over the past five years, the Admiral shares would have returned $208.70 more. * includ...
by noyopacific
Thu Sep 24, 2015 4:52 am
Forum: Investing - Theory, News & General
Topic: As new folks like me start passive investing. . .
Replies: 10
Views: 1823

Re: As new folks like me start passive investing. . .

As shareholders we have a role in corporate governance. Vanguard acts as our agent in these matters. Collectively we have quite a bit of power, actually. So far as I can tell Vanguard shareholders, from a practical standpoint have virtually no opportunity to even nominate our Directors. It appears ...
by noyopacific
Wed Sep 23, 2015 2:24 pm
Forum: Personal Consumer Issues
Topic: Talk me out of 4500 purchase [Camera]
Replies: 122
Views: 7663

Re: Talk me out of 4500 purchase

Closetoreality is asking for help in resisting the temptation to spend $4500 on a camera. It's interesting that so many are instead encouraging him to go ahead and get it. Here is my effort to give him what he is asking for: If you invested that money instead and got a 7% return compounded over 20 y...
by noyopacific
Fri Sep 11, 2015 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Moving on from past mistakes
Replies: 21
Views: 1970

Re: Moving on from past mistakes

I have a couple of these little blunders that I hold on to as a reminder In case I am tempted to to it again. :oops: My only worry is that some day they could recover to the point that I might conclude that it was a brilliant move after all.
by noyopacific
Fri Sep 11, 2015 4:23 am
Forum: Personal Consumer Issues
Topic: Best Golf Cart Battery
Replies: 3
Views: 650

Re: Best Golf Cart Battery

Surrette/Rolls batteries are considered the top by some, in both price and quality. In comparing deep cycle batteries, one way to determine quality is to weigh them. Heavier is better. Lead is expensive and lots of it what makes a deep cycle battery better.
by noyopacific
Sat Sep 05, 2015 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 58205

Re: Question for the Bogleheads Millionaires

Many people are underpaid, and living paycheck to paycheck. The first thing I'd recommend would be to figure out how to get beyond the notion that "many people are underpaid." I subscribe to the idea that markets are mostly pretty efficient at setting prices. I believe that this applies w...
by noyopacific
Mon Aug 31, 2015 2:56 am
Forum: Investing - Theory, News & General
Topic: Investing without past performance data
Replies: 27
Views: 1590

Re: Investing without past performance data

In case you are not aware of them, Morningstar (M*) s a company whose business rests to a large degree on ranking mutual fund performance. They have frequently stated that costs and portfolio turnover are a better predictor of future performance than the (historic performance-based) M* Ratings. How ...
by noyopacific
Tue Aug 25, 2015 10:43 am
Forum: Investing - Theory, News & General
Topic: [spurned advisor purports there is a Vanguard] Class Action Suit?
Replies: 43
Views: 5823

Re: [spurned advisor pretends there is a Vanguard] Class Action Suit?

I thought it was a bit of a low-class move to make a statement like that unless he had actual proof to back it up. We'll see if he shares anything along those lines. In the mean time, on behalf of other potential prey, I'd like to thank TinyElvis for keeping his advisor distracted and focused on qu...
by noyopacific
Mon Aug 17, 2015 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 8490

Re: Your First Job

12 years-old, paper route, $50 +/- month (1968)
1st W-2, 15 years old, summer camp counselor, $25/week
by noyopacific
Tue Aug 04, 2015 1:30 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 196
Views: 16586

Re: Would you look down on a co-worker for driving a beater?

Assuming that the vehicle were mechanically sound and reliable, then NO! I would more likely to admire a co-worker with an ego secure enough to not require a car that might bolster their self-image. I would also be more likely to trust the judgement of someone who appreciates the values of utility a...
by noyopacific
Mon Jul 20, 2015 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Energy Mutual Fund or ETF?
Replies: 12
Views: 1483

Re: Vanguard Energy Mutual Fund or ETF?

I would have thought the two returns would be fairly comparable. They are general in the same direction, but year by year there have been large variations. The ETF, VDE tracks (MSCI) US Investable Market Energy Index (domestic energy.) The mutual fund VGENX, is benchmarked to MSCI All Country World...
by noyopacific
Sun Jul 19, 2015 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Is now a decent time to buy gold? [Portfolio help]
Replies: 88
Views: 8286

Re: Is now a decent time to buy gold? [Portfolio help]

In response to TMCD75's question, part of what you are asking a market timing question: "Is this a good time to buy gold?" :shock: The Fourth Commandment of The Bogleheads Philosophy is: "Never try to time the market." With that in mind, I view gold as one of the things that may ...
by noyopacific
Thu Jul 16, 2015 2:01 pm
Forum: Personal Consumer Issues
Topic: Getting rid of moles & voles (rodents)
Replies: 28
Views: 2371

Re: Getting rid of moles & voles (rodents)

Thanks for all the suggestions! There were a few ideas I'd never have thought of. Juicy Fruit gum was one. Explosive charges connected to a motion-switch was an idea I wouldn't have thought of. :D I do have some blasting caps that I found 40 years ago, I've been warned that the explosive in them mig...
by noyopacific
Wed Jul 15, 2015 1:58 pm
Forum: Personal Consumer Issues
Topic: Getting rid of moles & voles (rodents)
Replies: 28
Views: 2371

Getting rid of moles & voles (rodents)

Does anyone have a reliable way to deal with moles & voles ? I'm not going to use any poisoned baits for the sake of our pets & wildlife and because I think most/all are illegal in my area. I guess that leaves trapping and repellants. I've tried flooding the little dickens's with very limite...
by noyopacific
Sun Jul 12, 2015 12:32 pm
Forum: Investing - Theory, News & General
Topic: Any empirical evidence that suggests waiting for a dip
Replies: 56
Views: 4226

Re: Any empirical evidence that suggests waiting for a dip

If you are able to identify a data set and equation that would have worked well in the past, I predict that it is unlikely to work well in the future. If the strategy is published, I'd be willing to bet against it working the next time the trigger is tripped.
by noyopacific
Sun Jul 12, 2015 12:16 pm
Forum: Investing - Theory, News & General
Topic: The "No Bonds" portfolio
Replies: 80
Views: 13736

Re: The "No Bonds" portfolio

Although the logic behind the argument for a 100% equities portfolio is sound, it ignores the emotional trauma of severe market downturns. I held 100% equities for 15 years. It was rewarding but tremendously painful at times. If you are going to give it a shot, you have my best wishes . . . for fair...
by noyopacific
Tue Jun 23, 2015 1:54 am
Forum: Investing - Help with Personal Investments
Topic: Best Advice [Best single piece of advice to give a new investor]
Replies: 56
Views: 5581

Re: Best Advice [Best single piece of advice to give a new investor]

If I could only give one single piece of advice it would be to invest in:
the Vanguard Total Stock Market Index Fund.

A single piece of advice really isn't enough to act on however.
by noyopacific
Thu Jun 11, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: Tree Trimming Etiquette with Neighbors
Replies: 30
Views: 5824

Re: Tree Trimming Etiquette with Neighbors

I've been in my house for 30+ years. I have found that generally speaking, homeowners are selfish people and are oblivious to their surroundings. Once in a while you find someone who is sensitive to others' needs but in my view it is not very common. If you want something you must ask and don't cou...
by noyopacific
Thu Jun 04, 2015 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Banker/Attorney (loan) question
Replies: 14
Views: 1468

Re: Banker/Attorney (loan) question

Seems like you'd want to form an LLC or a partnership, have the LLC/LLP buy the property, and then sell units in the LLC/LLP to the cabin owners or fishing club members, which then gives them access to a particular site and the lake in general for a set time period. The initial buy-in gets an owner...
by noyopacific
Thu Jun 04, 2015 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Divorcing over finances.
Replies: 70
Views: 7271

Re: Divorcing over finances.

My wife and I have discussed a "strategic" divorce several times. The first time was as a possible means of protecting assets from the risk of a lawsuit. We have subsequently considered it as a possible tax strategy. Our discussions never involved changing our personal relationship, only m...
by noyopacific
Thu Jun 04, 2015 2:25 am
Forum: Personal Consumer Issues
Topic: Rowing Machines
Replies: 27
Views: 2434

Re: Rowing Machines

I started on a Water Rower at my gym. The gym added a Concept 2 and I used them interchangeably, based on whichever happened to be available. Over time found I had a slight preference for the Concept 2, I suspect that this was because the Concept 2 scored my speed and distance better with the same a...
by noyopacific
Tue Jun 02, 2015 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on Portfolio Questions
Replies: 2
Views: 366

Re: Feedback on Portfolio Questions

It looks like a pretty good part of what you learned from Rick Ferri's books must have sunk in. #1, I keep emergency funds in a money market account. They might also be kept in a CD to earn a bit of interest with the understanding that there may be a penalty for withdrawing funds if I ever needed th...
by noyopacific
Sun May 31, 2015 11:48 pm
Forum: Personal Consumer Issues
Topic: Kayak Recommendations
Replies: 14
Views: 5254

Re: Kayak Recommendations

Leonard, It appears to me that your understanding of the various uses and types of kayaks may be somewhat limited. OP was looking for a versatile, inexpensive 11' max length kayak that would fit inside his vehicle. There simply aren't any "fast" kayaks in this length. Your "fast"...
by noyopacific
Sun May 31, 2015 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: TSM to target date in low balance Fidelity Roth IRA
Replies: 3
Views: 376

Re: TSM to target date in low balance Fidelity Roth IRA

In reading your post, my biggest concern was that you appear to be fussing in your mind and impatient to make a relatively minor change. You are embarking on an ultra marathon here. You need to learn to relax and pace yourself. There is no need to rush, quick changes in your course are likely to res...
by noyopacific
Sun May 31, 2015 2:33 pm
Forum: Personal Consumer Issues
Topic: Kayak Recommendations
Replies: 14
Views: 5254

Re: Kayak Recommendations

pennstater2005 I was a Wilderness Systems dealer and agree that they have some fine kayaks. You are correct that the Pamlico is no longer made. The Pungo was always a remarkable performer in its' class but this design appears to have changed. (I can't say that I cared much for the looks of a Pungo. ...

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