Search found 1297 matches

by Alexa9
Tue Jun 19, 2018 3:56 pm
Forum: Investing - Theory, News & General
Topic: Are large cap stocks more internationally diversified?
Replies: 6
Views: 229

Re: Are large cap stocks more internationally diversified?

Hi so is US large cap more internationally diversified and therefore might be better than the non internationally diversified US small cap? Yes I would guess US Large Cap is more international. Just look at the companies in the S&P 500. They are mostly global. However, that doesn't mean small caps ...
by Alexa9
Tue Jun 19, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: Are large cap stocks more internationally diversified?
Replies: 6
Views: 229

Re: Are large cap stocks more internationally diversified?

The least correlated assets are large cap US and small cap international. US large cap is correlated with US small and International large cap.
The largest premium AFAIK is small value. The options for international small value are limited. DFA is good if you don't mind paying for it.
by Alexa9
Mon Jun 18, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 28
Views: 2660

Re: Article on hotel booking sites - no bargains

I mostly use airbnb/vrbo now. Much nicer, quieter, cleaner, larger, less expensive with real reviews.
by Alexa9
Mon Jun 18, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Difference in spouse’s age and asset allocation
Replies: 5
Views: 428

Re: Difference in spouse’s age and asset allocation

If she is okay with you retiring 7 years before her :wink: , then I don't see a problem.
by Alexa9
Mon Jun 18, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 70
Views: 3400

Re: How much car to buy reasonably?

Porsche 911 is a highly rated sports car. Reliable, fun to drive, not too flashy. Fairly good used deals.
A Miata is also a great fun car and affordable new.
If you would enjoy it, then it's worth it. I'm pretty sure you can afford it. :wink:
Just don't go crazy and get a Lambo.
by Alexa9
Mon Jun 18, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5012

Re: A vehicle that "sits up" but can't afford CRV

Of course many of us have more than one vehicle and choose what we need/want in each one based upon our needs and desires. "If you don't get much snow, I don't see much reason to get an SUV." - snow - towing - hauling - many passengers Right there are good reasons to use an SUV for a small minority...
by Alexa9
Mon Jun 18, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5012

Re: A vehicle that "sits up" but can't afford CRV

Last time I looked I'm not a short older woman. I think lots of people prefer the higher driving position in SUVs. It's a visibility thing. I also like being able to enter and exit without bending over or grabbing the pillars to haul myself out. Since moving to an SUV several years ago, I can't ima...
by Alexa9
Mon Jun 18, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 1571

Re: One handed Android phone?

The Pixel 2 is a manageable screen size (5") and also one of the best phones on the market.
by Alexa9
Sun Jun 17, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 58
Views: 4396

Re: how to make friends in new location?

Any hobby will get you friends. An easy one is to start or join a book club. Team sports (soccer, volleyball, ultimate frisbee), card games (Bridge is a good challenge), whatever you like to do. Most women around here seem to be obsessed with yoga and almost as much with weightlifting. Spin classes ...
by Alexa9
Sun Jun 17, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate "fun money" per year?
Replies: 33
Views: 2225

Re: How to calculate "fun money" per year?

I think it's pretty easy to get a ballpark idea based on your cash flow whether you can afford to go to Europe vs. Florida vs. Camping. Also depends on what you prioritize and how often you do it. For some people a trip is once in a lifetime, for some it's annually, for some it's never.
by Alexa9
Sun Jun 17, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1178

Re: Vanguard admiral shares

$3K minimum investor shares vs. $10k minimum admiral shares
The ER difference is not significant. It's a waste of Vanguard's customer service time to answer stupid questions about admiral shares and investor shares. (not that the questions are stupid but having different classes is)
by Alexa9
Sun Jun 17, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 22
Views: 1561

Re: Has Anyone Tried Youtube TV?

Yeah I tried a 3 month free trial. It worked great. Cable is a ripoff and there's hardly anything worth watching to me anyways. Sometimes a big sports game.
by Alexa9
Sun Jun 17, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24227

Re: Concierge medicine Worth It????

I think it might be worth it if you have complicated health issues and need more attention from your doctor. Primary Care Doctors struggle to make a good salary and this is a legitimate way of running a business. The insurance system is the problem, not the doctors.
by Alexa9
Sun Jun 17, 2018 9:05 am
Forum: Investing - Theory, News & General
Topic: How much tilt is enough to make a difference?
Replies: 27
Views: 1808

Re: How much tilt is enough to make a difference?

Isn't your analysis 9x11? How close to that are you? Haha that is theoretical and my view of the flaw of the market weight index fund. I actually would rather tilt to small value than just small. I also wish Vanguard offered something in the international small value area. I am not going to use DFA...
by Alexa9
Sun Jun 17, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: How much tilt is enough to make a difference?
Replies: 27
Views: 1808

Re: How much tilt is enough to make a difference?

I like a 50% tilt
25% each: VTI, VXUS, VBR, VSS
It may do better or worse, but at least I won't have near half my portfolio in Mega Caps.
by Alexa9
Sun Jun 17, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Best tips for starting a new job
Replies: 19
Views: 1212

Re: Best tips for starting a new job

Be careful not to step on any toes but don't let people walk all over you.
by Alexa9
Sat Jun 16, 2018 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Special Needs Trust
Replies: 20
Views: 1362

Re: Special Needs Trust

FYI the Ohio ABLE Plan uses Vanguard Lifestrategy Funds. Doesn't matter what state you're in.
by Alexa9
Sat Jun 16, 2018 9:59 pm
Forum: Forum Issues and Administration
Topic: Cancelation of Notifications
Replies: 11
Views: 738

Re: Cancelation of Notifications

yousha wrote:
Sat Jun 16, 2018 9:46 pm
Tried that and it does not work.....The 8 or 9 messages that I received remain.
I think you just need to click on all your notifications/messages. You won't receive them any more.
by Alexa9
Sat Jun 16, 2018 9:43 pm
Forum: Forum Issues and Administration
Topic: Cancelation of Notifications
Replies: 11
Views: 738

Re: Cancelation of Notifications

Perhaps, I did not make myself clear....these notifications are answers or replies to my questions which I no longer require. Someone said on this thread that they had almost 300 notifications and he/she ignores them. I would like to clear it out if possible (those that no longer I need). Go to Not...
by Alexa9
Sat Jun 16, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 35
Views: 2585

Re: iPad Pro 12.9": Replacement for Laptop?

I think the Kindle App on your laptop could replace the Kindle and a newer laptop could replace the iPad. But, it's very personal and only you can decide. It is, as you say, really personal. But I can’t imagine sitting at the beach with my laptop reading a book. I don’t even like to use my iPad for...
by Alexa9
Sat Jun 16, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 38
Views: 3309

Re: Do you cancel old credit cards?

I'm done with the credit card game for now. Had over 20 in the last 10 years now down to 1. Mostly because I don't travel much anymore.
by Alexa9
Sat Jun 16, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5012

Re: A vehicle that "sits up" but can't afford CRV

Since you're on a budget, I'd consider a Civic/Corolla. Sitting up high is overrated. You get more car for your money (newer, lower miles) this way and everyone wants SUV's so they are more expensive. That is NOT true. I drive my elderly neighbors around a lot and they find it a LOT easier to get i...
by Alexa9
Sat Jun 16, 2018 8:44 pm
Forum: Forum Issues and Administration
Topic: Cancelation of Notifications
Replies: 11
Views: 738

Re: Cancelation of Notifications

Hit
>Notifications
>Settings
>Uncheck all of them
>Submit
by Alexa9
Sat Jun 16, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 35
Views: 2585

Re: iPad Pro 12.9": Replacement for Laptop?

I would say no. The keyboards and apps are just not as good as a laptop with a cursor for word processing. That size iPad is a little awkward and heavy to hold as well. The iPad is great for watching a movie on the plane, games for the kids, or browsing, but doesn't fully replace a computer. I think...
by Alexa9
Sat Jun 16, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: How do you read books?
Replies: 33
Views: 2546

Re: How do you read books?

Speed reading is just glancing at the words quickly without subvocalizing them. With practice you understand it fairly well and become faster. Good for stuff you don't really want to read but have to.
by Alexa9
Sat Jun 16, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Proceeds from Sale of Home
Replies: 3
Views: 303

Re: Proceeds from Sale of Home

I'd say 20% equities at least for some growth. The rest, bonds (total bond market, munis) and maybe a CD Ladder. I'm not a big fan of TIPS but some like them in retirement.

https://www.bogleheads.org/wiki/Tax-eff ... _placement
https://www.bogleheads.org/wiki/Three-fund_portfolio
by Alexa9
Sat Jun 16, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4390

Re: African Safari: Worth it or Hype?

Not worth it! Just watch the Travel Channel Bro! Buy yourself a big screen TV with that money. :mrgreen:
by Alexa9
Sat Jun 16, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 58
Views: 4500

Re: What are your hobbies?

Cooking is the most practical skill/hobby to me. Watching the cooking channel and reading menus in different cities is great to get new ideas. I'll usually tweak a recipe to how I like it once I've made it a few times.
by Alexa9
Sat Jun 16, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3898

Re: Apple MacBook Air On Sale $699

Popular Mac Developer Slams Apple for 'Sad State of Macintosh Hardware https://www.macrumors.com/2018/06/15/developer-slams-lack-of-mac-updates/ The Mac Pro has not seen a hardware update since December of 2013, more than 1600 days ago. Apple has promised its professional users that a high-end high-...
by Alexa9
Sat Jun 16, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3898

Re: Apple MacBook Air On Sale $699

Popular Mac Developer Slams Apple for 'Sad State of Macintosh Hardware
https://www.macrumors.com/2018/06/15/de ... c-updates/
by Alexa9
Sat Jun 16, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 55
Views: 6831

Re: I feel like selling my 3 fund

There's no rule that says you can't be more conservative, but I wouldn't go 100% bonds either. Write down your IPS and stick to it.
by Alexa9
Fri Jun 15, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5012

Re: A vehicle that "sits up" but can't afford CRV

Since you're on a budget, I'd consider a Civic/Corolla. Sitting up high is overrated. You get more car for your money (newer, lower miles) this way and everyone wants SUV's so they are more expensive.
by Alexa9
Fri Jun 15, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3898

Re: Apple MacBook Air On Sale $699

Comments like that are juvenile - clearly you missed the point of my post. People want computers that just work. The Macbook Air serves that purpose maybe better than any other laptop ever produced. 4 years old tech that works flawlessly is better than the barrage of new low-to-mid-tier models that...
by Alexa9
Fri Jun 15, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3898

Re: Apple MacBook Air On Sale $699

... 4 year old technology with no price drop is for suckers, but many Apple customers are clueless and just want to be hip. Apple used to update practically everything annually. Now it's the same old crap for the same price and quality control has gone downhill on their newer stuff. Obviously, I'm ...
by Alexa9
Fri Jun 15, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3898

Re: Apple MacBook Air On Sale $699

I jumped off the Apple wagon and jumped on the Chromebook wagon. Doing the same might not work for everyone but it certainly did work for me. I like Chromebooks. I am not sure how nefarious Google is though and they're a little limited in what they can do. Linux Mint is great too on desktops or Del...
by Alexa9
Fri Jun 15, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3898

Re: Apple MacBook Air On Sale $699

Embarrassing that Apple still even sells that model as a current model and even more embarrassing that people still buy it. Same with their Mac Mini/Pro.
by Alexa9
Thu Jun 14, 2018 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking mid-cap and or small-cap Vanguard Funds
Replies: 7
Views: 591

Re: Seeking mid-cap and or small-cap Vanguard Funds

The small cap premium is even better when combined with the value premium. I would suggest a small value fund: VBR or it's mutual fund equivalent. It is more risky, but that's a good thing. You can be less risky in other areas: hold more bonds (ETF: BND), etc. This is called a barbell strategy. Larr...
by Alexa9
Thu Jun 14, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3536

Re: Non-alcoholic drinks for wedding

I would consider it almost a social faux pas to not offer alcohol at a wedding. Oh, I think that's ridiculous. The expectations people have built up about these affairs is kind of silly. That's why people spend 20k and up on a wedding and reception. One of the finest events I went to was one where ...
by Alexa9
Thu Jun 14, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3536

Re: Non-alcoholic drinks for wedding

I would consider it almost a social faux pas to not offer alcohol at a wedding. Not everyone enjoys weddings and some might consider it cheap not to offer anything not to mention they'd be bored to tears. It is a social lubricant and makes the event flow better. Obviously if you have drunk uncle Leo...
by Alexa9
Thu Jun 14, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Cheap, fuel efficient 2nd car commuting?
Replies: 17
Views: 1404

Re: Cheap, fuel efficient 2nd car commuting?

I would sell the truck if this is going to be a financial struggle. They hold their value well so you could get top dollar for it. But if you can easily afford it, then sure, keep it for hunting/fishing. You also sell it and get an older truck if it's a struggle. Then I'd get a 2014-2016 Camry/Accor...
by Alexa9
Thu Jun 14, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3536

Re: Non-alcoholic drinks for wedding

I have heard that people grumble with dry weddings as well but our wedding will be around 225 people and maybe 25 of them would drink alcohol if it were offered while the others would choose differently. We would have to pay for a security person as well if we wanted alcohol plus a bartender which ...
by Alexa9
Thu Jun 14, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3536

Re: Non-alcoholic drinks for wedding

I would get giant mason jars: virgin sangria, cucumber lemon water with mint or whatever herbs, a small keg of good root beer or ginger beer, limeade, lemonade, iced tea. A dry wedding does not sound festive to me personally however. Whenever I've heard someone say "dry wedding" I always hear grumbl...
by Alexa9
Wed Jun 13, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Subaru EyeSight windshield insurance
Replies: 14
Views: 1539

Re: Subaru EyeSight windshield insurance

I would probably replace my windshield without that safety crap if possible. My car doesn't know how to drive better than I do. At least not yet.
by Alexa9
Wed Jun 13, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: home theater equipment
Replies: 5
Views: 402

Re: home theater equipment

Floor Speakers: Budget: https://www.amazon.com/Pioneer-Andrew-Designed-Floorstanding-Loudspeaker/dp/B0798YNCQ1/ref=sr_1_14?ie=UTF8&qid=1528900682&sr=8-14&keywords=andrew+jones+speakers Nicer: https://www.amazon.com/dp/B01N220I6M/ref=psdc_3236453011_t3_B07B4V37VV Same Speakers w/ Surround: Budget: ht...
by Alexa9
Tue Jun 12, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 60
Views: 6013

Re: Boring Job

Certainly depends on the pay. What's your major? What field are you working in?
by Alexa9
Tue Jun 12, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease for parents
Replies: 37
Views: 2522

Re: Car Lease for parents

If you look at the depreciation curve, it is ridiculous to lease a car for 3 years every 3 years. Worse is having to deal with car dealers so frequently. No offense to them but it is an awful experience. Roughly 3-10 years are the sweet spot of ownership. Pick up someone else's lease and let them ta...
by Alexa9
Tue Jun 12, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: When everyone invests passively...
Replies: 10
Views: 1659

Re: When everyone invests passively...

Apple is 2.8% of the Total Stock Market Fund. Everyone is buying and reinvesting dividends into Total Stock Market. I can't help but think Apple's price is artificially inflated. Same with other Mega Caps. Still, they're not too big to fail.
by Alexa9
Tue Jun 12, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: 2018 RAV 4 or Camry
Replies: 28
Views: 1881

Re: 2018 RAV 4 or Camry

Can't go wrong with either one. Camry is brand new this year, might want to check Toyota forums for any minor issues. The RAV4 will be all new for 2019 so the 2018 should have all the kinks worked out. But it's a Toyota so how many kinks can there be? If you get much snow, the RAV4 makes sense. Othe...
by Alexa9
Mon Jun 11, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: A Simple new car lease formula?
Replies: 14
Views: 1427

Re: A Simple new car lease formula?

The best lease deals are probably the vehicles with the highest residual value. I would guess Lexus for this reason. Also, everyone seems to want an SUV nowadays so those tend to have higher residual values. I still think leasing rarely makes sense unless you can write it off.
by Alexa9
Mon Jun 11, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: Do Small Caps Outperform?
Replies: 61
Views: 3857

Re: Do Small Caps Outperform?

The small premium is smaller than the value premium.
Small and value combined is an even greater premium.
You have to stick with it for your entire investing lifespan and it's not a guarantee.