Search found 397 matches

by CULater
Fri Oct 20, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 39
Views: 2438

Re: Wife New Car Recommendations - SUV

In the SUV class you're thinking about the two top ones in reviews are the CX-5 and the CRV. Both upgraded their ride and quietness for 2017, much improved over previous models. The reviews still give a slight edge to the CRV over the CX-5, but it's close. The CRV has a new engine in models above th...
by CULater
Fri Oct 20, 2017 8:41 pm
Forum: Investing - Theory, News & General
Topic: Shiller: the 1987 stock market panic can happen again
Replies: 8
Views: 717

Shiller: the 1987 stock market panic can happen again

Shiller's view is that the growing concern about a possible market crash may be sowing the seeds for an actual market crash. But the Bogleheads won't be responsible for it, right? ... Many people believe that stock prices are already very high — the Dow Jones industrial average crossed 23,000 this w...
by CULater
Fri Oct 20, 2017 2:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3972
Views: 1056740

Re: U.S. stocks in freefall

I did the same thing by adding more foreign, up to 50% of my equities. But lately I've remembered that when the U.S. market tanks, foreign stocks really tank so that's no protection. Best thing it might do is help long-term returns if you have the nerve to hang on for the long term.
by CULater
Fri Oct 20, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 62
Views: 4841

Re: Is a crash coming soon?

I remember that before the crash in 2000 everybody was aware of how nuts the market was, but they were making so much money every day that nobody wanted to get out. Then they all got creamed. This time, everybody is aware of how nuts the market is and making more noise about getting out. But I'm not...
by CULater
Thu Oct 19, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: 2018 CRV Touring Rear Storage Less Than EX???
Replies: 3
Views: 470

Re: 2018 CRV Touring Rear Storage Less Than EX???

Looks like the CRV Touring's sound system comes with a subwoofer. Is the subwoofer in the rear cargo area? (They usually are.) If so, that might be the reason for less cargo room. As for less headroom, I was thinking it was due to the standard moonroof but looks like the EX also has the standard mo...
by CULater
Thu Oct 19, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3972
Views: 1056740

Re: U.S. stocks in freefall

With CAPE at 31+, I've decided to reduce my stock allocation by 10% for each point above 30. Trimmed 10% and will trim another 10% at 32, and so on. If it hits 40, I'm completely out. The bear is coming!
by CULater
Thu Oct 19, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 62
Views: 4841

Re: Is a crash coming soon?

I just decided today that my risk tolerance is 10% lower than it was yesterday --- so I reduced my stock allocation accordingly. :?
by CULater
Thu Oct 19, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: When is a Power of Attorney not valid?
Replies: 2
Views: 431

When is a Power of Attorney not valid?

I hold a durable power of attorney for my elderly mother that was drawn up in Arizona several years ago when my mother resided there. She now lives in Missouri. Is a DPOA drawn up in one state valid in all states, or does a new DPOA have to be drawn up in the state of current residence? Also, I was ...
by CULater
Thu Oct 19, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: Costco auto buying service vs All State car buying services???
Replies: 4
Views: 601

Re: Costco auto buying service vs All State car buying services???

I figure that dealers are happy to see a Costco, Truecar, buyer because they can make a decent deal for themselves without much hassle. I was just shopping for a new one and asked the salesman if they would sell for the Truecar price and gave him the number. He jumped on it right away without any ne...
by CULater
Wed Oct 18, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 57
Views: 2739

Re: Anyone planning on getting the new Pixel phone?

I got the Pixel Gen 1 recently when they were on sale; actually I think you can get one now from the Google store for that same price of $549. $100 cheaper than the Pixel 2. I had a problem with it: it reset itself and wiped everything out. Google support said it was a known problem with an indeterm...
by CULater
Wed Oct 18, 2017 8:09 pm
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 4678

Re: The overselling of international diversification

I'm probably fairly ignorant on this but as someone who is 70/30 what is the downside of international diversification? Is it that international stocks will underperform US stocks going forward? Therefore diversification lowers overall return rate? Or is it that the costs (ER) of international fund...
by CULater
Wed Oct 18, 2017 8:01 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Better To Face The Correction
Replies: 50
Views: 5882

Re: Larry Swedroe:Better To Face The Correction

Don't forget one of the main reasons to stay the course: "Nobody knows nuttin'". I would have been out of market years ago because of overvaluation but I didn't know enough to get out. I still don't.
by CULater
Wed Oct 18, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 16
Views: 1000

Re: Experience with "mini-monovision" cataract implants?

I am very concerned about the fact that you can't "undo" monovision once you've opted for it. I think you can "correct" it by continuing to wear glasses with a prescription for the near-sighted eye to bring it to 20/20, but then you end up not having the luxury of seeing clearly at distance without ...
by CULater
Wed Oct 18, 2017 9:11 am
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 4678

Re: The overselling of international diversification

I disagree with the argument that equates owning everything with being maximally diversified. There's a point at which things become redundant. There is one heck of a lot of redundancy in owning a piece of virtually every capitalized company in the world. For example, how many oil companies do you n...
by CULater
Wed Oct 18, 2017 8:54 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Better To Face The Correction
Replies: 50
Views: 5882

Re: Larry Swedroe:Better To Face The Correction

I think the primary benefit of being concerned about a market correction is that it focuses attention on the investor's risk tolerance. If you are so concerned about current market valuations that you are willing to withdraw money from stocks to pare your allocation, or to defer adding stocks to mai...
by CULater
Wed Oct 18, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3086

Re: Buying 2017 Honda CR-V

BTW, I did notice that the passenger seat in my 17 CRV Touring seems less comfortable than the driver's seat but haven't thoroughly investigated. Reason is that the passenger seat has only 4-way adjustments: forward and back, and seatback angle. The driver's seat can also be adjusted for height, leg...
by CULater
Wed Oct 18, 2017 12:01 am
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 4678

Re: The overselling of international diversification

I respect the "Armageddon" argument for buying foreign stocks, but it's overdone, IMO. For example, I don't understand is why anyone who is willing to something as significant as investing their hard-earned money in foreign stocks as a hedge apparently doesn't consider other hedges that would make e...
by CULater
Tue Oct 17, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade my Mac Pro OS from El Capitan to Sierra?
Replies: 10
Views: 885

Should I upgrade my Mac Pro OS from El Capitan to Sierra?

I'm wondering if there is any compelling reason to upgrade to Sierra, particularly for security reasons. I don't do a lot with my Mac Pro except cruise around on the internet and do emails, so don't think I have much use for all the new bells and whistles in Sierra. El Capitan seems fine. What do yo...
by CULater
Tue Oct 17, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Recommendations on truck/suv/crossover/wagon with comfortable seating
Replies: 11
Views: 723

Re: Recommendations on truck/suv/crossover/wagon with comfortable seating

My 2 cents. There's a new model XC60 out now that may be better than the previous, but when I test drove the previous vintage deliberately over rough streets I thought the ride was quite harsh and that's a major reason I crossed this one off my list. Great road feel and drivability but I felt every ...
by CULater
Tue Oct 17, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 16
Views: 1000

Re: Experience with "mini-monovision" cataract implants?

I have monovision implants, one close for reading and one distance. Two ops, different docs. Works fine, but I had been using mono contacts for a good 25 years prior. I did a lot of night driving with no problem when I played in bands. Mind you I do need glasses for the computer, and wear them for ...
by CULater
Tue Oct 17, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 16
Views: 1000

Re: Experience with "mini-monovision" cataract implants?

I have monovision cataract implants. They work very well for me. One thing though is that my natural eyesight was also a form of monovision! One eye was significantly worse at distance than the other, so one could say that I was born with monovision and this perhaps is why I adjusted to these impla...
by CULater
Tue Oct 17, 2017 6:14 pm
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 4678

Re: The overselling of international diversification

According to Portfolio Visualizer for the last 30+ years, the efficient frontier for US and Global ex-US indicates lowest risk (SD) for 80% US / 20% Global ex-US (SD = 14.77%), but highest risk-adjusted return for 100% U.S. (Sharpe = .551, SD = 15.06%). Max drawdown was 50.9% for 100% U.S. vs. 52.5%...
by CULater
Tue Oct 17, 2017 3:17 pm
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 4678

The overselling of international diversification

The lower correlation between U.S. and non-U.S. stock returns has to do mostly with bull markets in U.S. stocks, during which foreign stocks typically don't do as well (as recently has been the case). During bear markets in U.S. stocks, foreign stocks are also hit, so the correlation with U.S.stocks...
by CULater
Tue Oct 17, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 67
Views: 6499

Re: Vanguard expects "decent sized correction" soon

We need to make sure that Larry gets this prediction on his "Sure Things" list for 2018, assuming the crash doesn't happen before we get out of 2017. We're in the most dangerous month now. [cue the videos of the Hindenburg in flames].
by CULater
Tue Oct 17, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 54
Views: 4671

Re: WPA2 protocol used by vast majority of wifi connections has been broken

I've always figured that my greatest protection from hacking my home WiFi was the fact that someone needs to be within range to do it, and it seems improbable that anybody is going to be interested enough in Mr. Small Potatoes to bother. Encryption of the WiFi signal was just an extra layer of insur...
by CULater
Tue Oct 17, 2017 10:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 67
Views: 6499

Re: Vanguard expects "decent sized correction" soon

Wait for it..... Wait for it..... “Wait For It…” is an expression used to build up suspense in anticipation of an impending spectacle or climactic event. Online, the phrase is typically employed in the title or description of a video to inform the viewer of a gradual and uninteresting build-up befor...
by CULater
Tue Oct 17, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 16
Views: 1000

Re: Experience with "mini-monovision" cataract implants?

The cataract in my non-dominant eye is worse than the dominant eye. I can still see pretty well with the dominant eye and it carries the load at both distance and near vision. I wear corrective glasses for both myopia and astigmatism in both eyes. My biggest problem is with glare from lights at nigh...
by CULater
Tue Oct 17, 2017 9:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 67
Views: 6499

Vanguard expects "decent sized correction" soon, sometime, maybe later

http://www.marketwatch.com/story/vanguards-boss-has-a-warning-for-a-market-thats-hellbent-on-dow-23000-2017-10-17 “We expect there could be a decent-sized correction at some point,” says Bill McNabb, chairman of Vanguard, which manages $4.5 trillion in funds worldwide, in reference to the record ru...
by CULater
Mon Oct 16, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 16
Views: 1000

Experience with "mini-monovision" cataract implants?

I'm considering whether to go with "mini-monovision" cataract implants vs. standard correction for distance in both eyes. Wondering if anyone has done this and what your results have been, particularly downsides. I'm especially concerned with vision for night driving if both eyes are not corrected f...
by CULater
Mon Oct 16, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3086

Re: Buying 2017 Honda CR-V

When buying a new car it's important to distinguish between "model year" and "manufacture year". By law, automakers are allowed to begin selling any given model year in January of the preceding year. For example, you could buy a car manufactured in January of 2016 that is actually a 2017 model year ...
by CULater
Mon Oct 16, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3086

Re: Buying 2017 Honda CR-V

s (2018 CR-Vs should be arriving here in early November) I hope the 2018 comes out in November looking to buy my first new car. After driving company cars for 36 years where the only decision I had to make was the color, looking forward to a touring model since I plan to keep it for a long time. Go...
by CULater
Sun Oct 15, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3086

Re: Buying 2017 Honda CR-V

s (2018 CR-Vs should be arriving here in early November) I hope the 2018 comes out in November looking to buy my first new car. After driving company cars for 36 years where the only decision I had to make was the color, looking forward to a touring model since I plan to keep it for a long time. Go...
by CULater
Sat Oct 14, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3086

Re: Buying 2017 Honda CR-V

One thing about the automatic forward braking on the CRV I've noticed, probably same for all or most vehicles that have it. A few times I've had it start to kick in when there is a vehicle turning right in front of me and it hasn't completely cleared the road. Normally, without auto braking you're a...
by CULater
Sat Oct 14, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 37
Views: 3149

Re: Outback Vs Forester Vs CR-V ??

Hard call. I just bought a CR-V Touring and am favorably impressed so far. The ride and noise level much improved over previous generations of CR-V. Of course the 1.5 turbo engine is relatively new (I think it was introduced in last year's Civic) and transmission is CVT. The tranny is smooth and non...
by CULater
Fri Oct 13, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3086

Re: Buying 2017 Honda CR-V

I think the deal varies by location. In Phoenix they weren't offering much of a discount. Finally bought a 2017 Touring in Iowa in August for $4K off sticker with trade-in of my 2002 CRV with 200K miles. CarMax quoted me a price of $1500 on my CRV, so I figure that the discount on my 2017 was about ...
by CULater
Thu Oct 12, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: Cash on the sidelines impact ?
Replies: 14
Views: 1475

Re: Cash on the sidelines impact ?

There is no such thing as "cash on the sidelines" unless you mean the cash that is always there and doesn't change in quantity. The COTS metaphor imagines that the amount of cash available expands and shrinks, which is nuts. There is always the same amount of "cash" available and somebody has to own...
by CULater
Wed Oct 11, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Buy when there's blood in the streets!
Replies: 39
Views: 6255

Re: Buy when there's blood in the streets!

The complete quote from Baron Rothschild is believed to be:

"Buy when there's blood in the streets, even if the blood is your own."

And therein lies the rub...
by CULater
Tue Oct 10, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4674

Re: Sonoma in October

Maybe you should wait to go to Sonoma until the fires are out and see if there's anything left.
by CULater
Tue Oct 10, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: anyone else with 403b account missing at Vanguard
Replies: 6
Views: 850

Re: anyone else with 403b account missing at Vanguard

Vanguard once lost my Roth IRA and I didn't get it back until I could produce a paper statement proving that it existed. Always save your electronic statements because you never know when the bozos will be out.
by CULater
Tue Oct 10, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: Buffett: U.S. Stocks have been safer than Cash or Treasuries over the last 50 Years.
Replies: 19
Views: 2901

Re: Buffett: U.S. Stocks have been safer than Cash or Treasuries over the last 50 Years.

Of course, if we all invested like Buffett then nobody could make money investing in stocks. Buffett once said that he never could have succeeded if markets were really efficient.
by CULater
Mon Oct 09, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 58
Views: 5454

Re: Is the new Chevy Equinox any good?

Interesting that car rental companies have Chevy Equinox on the lot but you never see a Honda on car rental lots. Wonder why? Oh, I know. They don't have any fleet sales department and don't do fleet sales. Don't need to. And it protects the resale value of Hondas not to have the used car market flo...
by CULater
Mon Oct 09, 2017 10:08 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11719

Re: 100% in bond to wait for market crash?

They say you should only have the amount of money in stocks that you could stomach losing 50% on paper and not sell any of the remaining 50% while stocks are still looking pretty shaky, or even be prepared to sell some bond holdings (which probably will increase in value if stocks crash and be looki...
by CULater
Sat Oct 07, 2017 5:28 pm
Forum: Investing - Theory, News & General
Topic: Buffett: U.S. Stocks have been safer than Cash or Treasuries over the last 50 Years.
Replies: 19
Views: 2901

Re: Buffett: U.S. Stocks have been safer than Cash or Treasuries over the last 50 Years.

I infer that Buffett thinks of stocks as being denominated in some non-currency medium such as "equicoin"? An equicoin-denominated investment is better than a fiat-currency denominated investment, and better too than investments denominated in gold, bitcoin, commodities, etc. All investors should se...
by CULater
Sat Oct 07, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: Buffett: U.S. Stocks have been safer than Cash or Treasuries over the last 50 Years.
Replies: 19
Views: 2901

Buffett: U.S. Stocks have been safer than Cash or Treasuries over the last 50 Years.

Interesting statement from Warren Buffett re: investing in bonds. His horizon of the last 50 years would include 1965-2016, which encompasses some pretty rough times for the stock market and the giant gains from Treasuries after interest rates started down in 1982 -- yet he says it would have been s...
by CULater
Sat Oct 07, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: Are stocks going up only because all the alternatives are lousy?
Replies: 45
Views: 4678

Re: Are stocks going up only because all the alternatives are lousy?

Interesting statement from Warren Buffett re: investing in bonds. His horizon of the last 50 years would include 1965-2016, which encompasses some pretty rough times for the stock market and the giant gains from Treasuries after interest rates started down in 1982 -- yet he says it would have been s...
by CULater
Thu Oct 05, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: My Credit Union doesn't charge early withdrawal penalty on Roth CDs
Replies: 3
Views: 191

Re: My Credit Union doesn't charge early withdrawal penalty on Roth CDs

I don't understand how they can do it, since it means I virtually have a liquid cash account that earns 2.5% if this is true. Sounds like a good deal, but not quite a cash account, since you can't do partial withdrawals. Apparently, I can withdraw any amount without penalty. Not quite a cash accoun...
by CULater
Thu Oct 05, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: Are stocks going up only because all the alternatives are lousy?
Replies: 45
Views: 4678

Are stocks going up only because all the alternatives are lousy?

We keep hearing the warnings about high stock valuations and possibility of market losses, poor returns, etc. I believe it, but every time I think about what to do about it, all the other choices stink, so I stay in stocks. And they keep going up for no good reason that I can discern. Cash? no retur...
by CULater
Thu Oct 05, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: My Credit Union doesn't charge early withdrawal penalty on Roth CDs
Replies: 3
Views: 191

My Credit Union doesn't charge early withdrawal penalty on Roth CDs

I just checked for the second time with my local credit union and confirmed that they do not assess any early withdrawal penalty on CDs in a Roth account for depositors over age 59 1/2. I keep blinking and wondering. I thought every financial institution always charged early withdrawal fees of some ...
by CULater
Mon Oct 02, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: Peter L. Bernstein: Cash BETTER than Bonds
Replies: 64
Views: 7372

Re: Peter L. Bernstein: Cash BETTER than Bonds

I am NOT thinking giving up on bonds for the fear of rising rates. Recently, I read the 1989 article by Peter L. Bernstein where he recommends that cash should replace bonds in portfolios. Mr. Bernstein states, without reservations, that “bonds should trade places with cash as the “residual stepchi...
by CULater
Mon Oct 02, 2017 12:21 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financializing Commodities
Replies: 10
Views: 1186

Re: Larry Swedroe: Financializing Commodities

Old news that commodity funds have been worthless for many years now as the greater fools started skating to where the puck was...