Search found 503 matches

by CULater
Sun Dec 17, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: Takata Airbag Class Action Settlement
Replies: 25
Views: 2583

Re: Takata Airbag Class Action Settlement

My airbags were replaced by Honda for free. I suffered no harm or any inconvenience due to this issue. If I had, I'd want compensation. Since I didn't I don't see a basis for seeking any compensation. Moving on...
by CULater
Sun Dec 17, 2017 5:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Bond principal-at-maturity myth
Replies: 14
Views: 1482

Re: Vanguard: Bond principal-at-maturity myth

I refer you to the esteemed Dr. Bernstein: A word or two about TIPS. They are surely one of the most peculiar assets in the investment world. They are a marvelous way of protecting one’s cash flow against inflation, but they do so only when held to maturity . When using TIPS to fund your retirement...
by CULater
Sun Dec 17, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Bond principal-at-maturity myth
Replies: 14
Views: 1482

Re: Vanguard: Bond principal-at-maturity myth

I refer you to the esteemed Dr. Bernstein: A word or two about TIPS. They are surely one of the most peculiar assets in the investment world. They are a marvelous way of protecting one’s cash flow against inflation, but they do so only when held to maturity . When using TIPS to fund your retirement,...
by CULater
Sun Dec 17, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Bond principal-at-maturity myth
Replies: 14
Views: 1482

Re: Vanguard: Bond principal-at-maturity myth

Except that there is considerable value in holding individual TIPS to maturity, since that's the only way to use them to protect against inflation. TIPS bond funds don't. Why ignore this? Both individual TIPS and TIPS funds increase in value over time to reflect the inflation protection adjustment....
by CULater
Sun Dec 17, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: Diversification: Is there any way to produce the same returns with less risk?
Replies: 30
Views: 1853

Diversification: Is there any way to produce the same returns with less risk?

I'm pondering the benefits of portfolio diversification and have a question: Is there any predictable way that any diversification strategy can actually result in the same absolute return with lower volatility? Or is it just a matter of diversification resulting in lower volatility at the expense of...
by CULater
Sun Dec 17, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 30
Views: 2543

Re: New Honda CRV is MotorTrend's SUV of the year

Prices will start to come down if you can wait. I hope the new RDX keeps the 6cyl. I don't think it will but no one really knows. I'm hoping the details will be released at the North American Auto Show (Detroit) in January. I've avoided the turbos for many years but as they've become more mainstrea...
by CULater
Sun Dec 17, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about memory care and assisted living
Replies: 14
Views: 1182

Re: Confused about memory care and assisted living

Same issues with my mother. For the most part, Medicaid is not available for assisted living or for memory care facilities. A few here and there are qualified but it is rare. That means a Medicaid qualified nursing home is the only alternative. Living conditions are not very good in most nursing hom...
by CULater
Sun Dec 17, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Bond principal-at-maturity myth
Replies: 14
Views: 1482

Re: Vanguard: Bond principal-at-maturity myth

Except that there is considerable value in holding individual TIPS to maturity, since that's the only way to use them to protect against inflation. TIPS bond funds don't. Why ignore this?
by CULater
Sat Dec 16, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Buying a car cheaper without those phony car buying services -- not really all that hard anymore
Replies: 1
Views: 668

Buying a car cheaper without those phony car buying services -- not really all that hard anymore

Many people don’t like the car buying process. So much so businesses offer to help make it easier. Costco, AAA, AARP, Consumer Reports, and credit unions all offer car buying services. Supposedly they offer a negotiated price but they never show you what that negotiated price is before you give out...
by CULater
Thu Dec 14, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 30
Views: 2543

New Honda CRV is MotorTrend's SUV of the year

For those posters and readers of "which SUV should I buy?" threads, I thought you'd be interested that the 2018 Honda CRV (same as the 2017) has beaten out the competition to win Motor Trend's best new SUV award, besting several much more expensive contenders such as the Volvo XC-60 and close rivals...
by CULater
Wed Dec 13, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Norton Core Router -- do I need a "secure" router?
Replies: 2
Views: 386

Norton Core Router -- do I need a "secure" router?

I got a promotion from Norton regarding their "Core" router, which is said to provide network security. Sounds like the router becomes a substitute for running security software on your computer and this requires a subscription for regular software updates to the router. Best I can figure is that th...
by CULater
Mon Dec 11, 2017 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 36
Views: 4298

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

I'd really like to keep things electronic. I save all my tax returns as Pdf files and don't want to have a loose return as a paper document that I have to keep track of.
by CULater
Sat Dec 09, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: Can I install and run two different hrblock tax programs on same computer?
Replies: 2
Views: 297

Can I install and run two different hrblock tax programs on same computer?

I'd like to download a second 2017 hrblock federal + state tax program on my mac and run it separately from the first download. Reason is that I need two different state programs and it is cheaper to download another Federal + State program than to download a second State program only. Is it possibl...
by CULater
Sat Dec 09, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 36
Views: 4298

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

Is there any way to download a second Deluxe (Federal + State) on the same computer? I need to have two different state programs and it would be cheaper to download another Deluxe for 14.95 than buy an additional State for 39.95.
by CULater
Sat Dec 09, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Is Worried About U.S. Pensions
Replies: 85
Views: 8306

Re: Jack Bogle Is Worried About U.S. Pensions

Those measly bond yields are going to look like manna from Heaven when stocks are returning -25% pretty soon. :annoyed
by CULater
Thu Dec 07, 2017 5:48 pm
Forum: Investing - Theory, News & General
Topic: Does it look like a bubble to you?
Replies: 42
Views: 3606

Re: Does it look like a bubble to you?

No - it doesn't. It doesn't look like anything to me. Linear scale; short time frame; dubious methodology; agenda; etc. There's not enough information there for an objective person to draw any conclusion. Meanwhile, the post above which showed the graph with and without Venezuela... that was pretty...
by CULater
Thu Dec 07, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: Does it look like a bubble to you?
Replies: 42
Views: 3606

Re: Does it look like a bubble to you?

It does to Goldman and to me too, so I'm edging toward the exit. Anyone want to join me? Has market timing worked for you in the past? It has never worked for me so I won't be joining you. Enjoy the trip. Who said I'm timing? I'm just adjusting my AA to reflect my low need and desire to take risk a...
by CULater
Thu Dec 07, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Does it look like a bubble to you?
Replies: 42
Views: 3606

Re: Does it look like a bubble to you?

Consider that the last time CAPE hit this level (32) in 1998, you would have missed the big runup in stocks over the next 2 years but would have ended up with a net zero compound return on stocks until 2003 (5 years). Same scenario could be playing out again. For those who don't need to play the gam...
by CULater
Wed Dec 06, 2017 8:09 pm
Forum: Investing - Theory, News & General
Topic: Does it look like a bubble to you?
Replies: 42
Views: 3606

Does it look like a bubble to you?

This is a chart of the value of all stocks in all companies in all countries, globally. It is, technically, the market cap of Planet Earth, and everyone who sees it does a double take. In just the last few months, total market cap has rocketed past $80 trillion and is heading steadily toward $100 t...
by CULater
Wed Dec 06, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: Simple 60/40 allocation has beaten both Swensen's and Bernstein's portfolios since 1979
Replies: 4
Views: 829

Simple 60/40 allocation has beaten both Swensen's and Bernstein's portfolios since 1979

For most investors, the optimal portfolio strategy might also be the simplest one, but don’t expect experts to recommend it, says one author and financial adviser. It took a lot of time and research to come to the conclusion that simple portfolios not only perform well, but often deliver better ris...
by CULater
Mon Dec 04, 2017 5:31 pm
Forum: Investing - Theory, News & General
Topic: Craig Rowland not blogging anymore on Permanent Portfolio.
Replies: 30
Views: 4654

Re: Craig Rowland not blogging anymore on Permanent Portfolio.

Another problem with backtesting returns for the PP is the common failure to look at returns based on cost averaging, rather than lump sum. When you look at the 1975 to 2017 gold returns, the big gains occurred in the 1970s when an investor making annual investments would have had relatively little ...
by CULater
Mon Dec 04, 2017 11:37 am
Forum: Investing - Theory, News & General
Topic: Craig Rowland not blogging anymore on Permanent Portfolio.
Replies: 30
Views: 4654

Re: Craig Rowland not blogging anymore on Permanent Portfolio.

People always made too big a deal out of the gold holding in the PP. If you eliminate the couple of years right after the dollar peg was dropped and the gold price could free-float, an allocation of 25% stocks + 75% intermediate treasuries did as well as the PP in terms of returns, SD, and drawdown...
by CULater
Mon Dec 04, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Craig Rowland not blogging anymore on Permanent Portfolio.
Replies: 30
Views: 4654

Re: Craig Rowland not blogging anymore on Permanent Portfolio.

People always made too big a deal out of the gold holding in the PP. If you eliminate the couple of years right after the dollar peg was dropped and the gold price could free-float, an allocation of 25% stocks + 75% intermediate treasuries did as well as the PP in terms of returns, SD, and drawdowns...
by CULater
Sat Dec 02, 2017 12:54 pm
Forum: Investing - Theory, News & General
Topic: Which of these investments would you have wanted to hold?
Replies: 6
Views: 674

Re: Which of these investments would you have wanted to hold?

I think the point is that the order of periodic (e.g., monthly, annual) returns over a given time period changes our perception of risk, when in fact objective "risk" (as measured by standard deviation and average return) is exactly the same. One point here is that people commonly use statistical me...
by CULater
Fri Dec 01, 2017 8:49 am
Forum: Investing - Theory, News & General
Topic: Craig Rowland not blogging anymore on Permanent Portfolio.
Replies: 30
Views: 4654

Re: Craig Rowland not blogging anymore on Permanent Portfolio.

Looks like he either let the domain lapse, or sold it to some boring SEO blogger who is trying to use its residual finance-related backlinks to promote listy generic ad-monetized content. Sad. Would have been nice if he'd at least left it up as an archive. Meanwhile, the 'never goes negative!' PP s...
by CULater
Thu Nov 30, 2017 7:47 pm
Forum: Investing - Theory, News & General
Topic: Which of these investments would you have wanted to hold?
Replies: 6
Views: 674

Re: Which if these investments would you have wanted to hold?

It looks like the yellow return series was the least nerve rattling. The magenta return series seems pretty scary. But guess what? All three charts depict the same thing. All three have the same average return, the same standard deviation, and the same risk-adjusted return. The only difference is th...
by CULater
Thu Nov 30, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: Which of these investments would you have wanted to hold?
Replies: 6
Views: 674

Which of these investments would you have wanted to hold?

The following chart depicts the cumulative returns of three investments over a period of time. Which of the three would you have rather held? The correct answer is in the next post -- don't peek until you've made your choice. http://monevator.monevator.netdna-cdn.com/wp-content/uploads/2017/11/annua...
by CULater
Wed Nov 29, 2017 11:31 pm
Forum: Personal Consumer Issues
Topic: Don't leave your mac unattended! It has zero security now.
Replies: 21
Views: 2906

Re: Don't leave your mac unattended! It has zero security now.

Just got a security update for my High Sierra that came with instructions to install it immediately. I suppose this was the fix.
by CULater
Wed Nov 29, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 74
Views: 5140

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

Buy a FWD, save $1500, use $10 to buy an AWD sticker and put that on the back. See if you notice the difference with an actual AWD. :D
by CULater
Wed Nov 29, 2017 9:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 133
Views: 12296

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

Now that Vanguard is in the game, going forward, if factor funds underperform, investors will be faced with the dilemma of figuring out whether it is cyclical (keep investing more by rebalancing in) or "factors" are broken because of over-grazing. Most, including me, will end up eventually flinching...
by CULater
Tue Nov 28, 2017 10:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 133
Views: 12296

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

Just wondering -- who takes the other side of the trade on factor funds and why are they so dumb? Oh, I guess it's us market index fund investors...
by CULater
Tue Nov 28, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 133
Views: 12296

Re: Vanguard To Introduce First Actively Managed ETFs With Suite Of Factor Funds

Perhaps this can be labelled as the "death of factors" inflection point, as the hoards of Vanguadians begin madly skating toward where the puck was. Bozo lives!
by CULater
Sat Nov 25, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: Wifi speakers-SONOS vs Echo/Google Home
Replies: 30
Views: 2913

Re: Wifi speakers-SONOS vs Echo/Google Home

Sonos sound quality is not that great but their wifi and whole house setup is nice if that's what you want. Personally, I prefer a wired system in the living room with better speakers connected to the TV. I'd like to have a pair of speakers in the living room connected to the TV and also like to be...
by CULater
Sat Nov 25, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Wifi speakers-SONOS vs Echo/Google Home
Replies: 30
Views: 2913

Re: Wifi speakers-SONOS vs Echo/Google Home

Do you need multiroom? I'm happy with my Sonos equipment, but if I were buying now I'd get a pair of powered bookshelf speakers and a Chromecast Audio. Why do you need powered bookshelf speakers; or do you if your speakers are connected to an amplifier? What speakers do you think are good and compa...
by CULater
Sat Nov 25, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Alternative to Sonos Play 1 Speaker?
Replies: 1
Views: 223

Alternative to Sonos Play 1 Speaker?

Sonos Play 1 currently selling for $149 Black Friday price. Have decided to go with Chromecast and a less expensive alternative speaker for streaming music. What's a good audio quality alternative to the Sonos Play 1 for about half the cost? I'd like to get a pair of bookshelf speakers for no more t...
by CULater
Thu Nov 23, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Black Friday Norton Security (buy now, activate later?)
Replies: 0
Views: 179

Black Friday Norton Security (buy now, activate later?)

Good price of $19.95 on Norton Security download now on Amazon, but I have 3 months left on existing subscription. The product info warns that activating new subscription will wipe out my existing subscription. Can I download the new Norton now, but wait 3 months to activate it? Wondering if someone...
by CULater
Thu Nov 23, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Best vehicle for seniors?
Replies: 73
Views: 6068

Re: Best vehicle for seniors?

Outback is a wagon. Therefore, Outback for seniors.
by CULater
Thu Nov 23, 2017 10:14 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Managing Risk With Factors
Replies: 121
Views: 9719

Re: Larry Swedroe: Managing Risk With Factors

I repeat my previous query: if your "factor black box" doesn't work for a couple of years, how do you know if it's broken or if it's temporarily out of favor; and whether to get out or buy more by rebalancing? I just don't think you know without drinking more of the koolaid. Sounds like a real chall...
by CULater
Wed Nov 22, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Outback
Replies: 24
Views: 2618

Re: Honda CR-V vs Subaru Outback

Only thing is the current RAV4 was introduced in 2013, so it's a little long-toothed. Me, I'd either wait in the next one or get the newly re-designed CRV. I always recommend that people avoid the first year or two after a re-design; the last year(s) of a design generation are usually the most reli...
by CULater
Wed Nov 22, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Outback
Replies: 24
Views: 2618

Re: Honda CR-V vs Subaru Outback

Only thing is the current RAV4 was introduced in 2013, so it's a little long-toothed. Me, I'd either wait in the next one or get the newly re-designed CRV.
by CULater
Tue Nov 21, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14100

Re: Dave Ramsey says don't use credit cards, even if you pay them off

"You can fool some of the people all of the time, and all of the people some of the time and make a bunch of money while you're doing it" ~ Dave Ramsey
by CULater
Mon Nov 20, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Managing Risk With Factors
Replies: 121
Views: 9719

Re: Larry Swedroe: Managing Risk With Factors

Factor investing seems to come a lot closer to "black box" investing. Swensen's recent comments seem relevant: And if I don’t know what’s in the black box, and there’s underperformance, I don’t know if the black box is broken or if it’s out of favor. And if it’s broken, you want to stop. And if it’s...
by CULater
Mon Nov 20, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Asset location in retirement (stocks)?
Replies: 9
Views: 824

Asset location in retirement (stocks)?

Retired and I currently have my stock allocation in my Roth IRA. My reasoning was that equity returns could grow untaxed. However, the downside is that I could have negative equity returns that would deplete Roth assets, and that maybe I'm better off to only hold safer income-producing assets in the...
by CULater
Tue Nov 14, 2017 9:26 pm
Forum: Investing - Theory, News & General
Topic: Shiller is 'concerned' after lowest sentiment data readings in over 16 years
Replies: 8
Views: 2121

Re: Shiller is 'concerned' after lowest sentiment data readings in over 16 years

Let's see now... over 16 years ago, something happened. Trying to remember.... Oh, now it's coming back... There was like a mega market crash around that time wasn't there? I don't think that could happen again. Oh wait, it did happen again in 2008. But that couldn't happen again...
by CULater
Tue Nov 14, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Shiller is 'concerned' after lowest sentiment data readings in over 16 years
Replies: 8
Views: 2121

Shiller is 'concerned' after lowest sentiment data readings in over 16 years

In Shiller's way of thinking, stock bear markets are likely occur when (1) the market is overpriced, and (2) investors think it is overpriced and are poised for the exit. He feels these conditions are starting to unfold, but he says he's not yet ready to pull the plug: "I'm concerned. It's not just ...
by CULater
Tue Nov 14, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 10865

Re: H&R Block Software

If you recently purchased the 2017 program based on an email received from them saying it's their best price and there's a lower price shown in the OP's link, call them (say "representative") to get a refund. You may have to wait for a while on the phone before getting to the rep. I also had issues...
by CULater
Tue Nov 14, 2017 3:46 pm
Forum: Investing - Theory, News & General
Topic: Passive investing is a 'chaotic system' that could be dangerous?
Replies: 20
Views: 1856

Re: Passive investing is a 'chaotic system' that could be dangerous?

“The problem is that if you are talking about passive indexing, that is something that is really free-riding on other people’s work,” he said. “So people say, ‘I’m not going to try to beat the market. The market is all-knowing.’ But how in the world can the market be all-knowing, if nobody is tryin...
by CULater
Mon Nov 13, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Buying a new smartphone as a surprise gift
Replies: 8
Views: 833

Buying a new smartphone as a surprise gift

I'd like to surprise someone with a new iPhone for their birthday. They are on Verizon with an old flip phone. I'm interested in scoring a deal on an iPhone SE for less than $200 that can be used with the existing Verizon account (she doesn't want to change to a new carrier or phone number). How can...
by CULater
Mon Nov 13, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: Should you own only non-U.S. stocks?
Replies: 63
Views: 6398

Re: Should you own only non-U.S. stocks?

I think that would be silly. No one should bet against the U.S. Which country do you think has accounted for the bulk of genuine business innovation in the last decade? Which do you think will account for the bulk of genuine business innovation going forward? +1 If I take this statement to mean any...