Search found 829 matches

by Wakefield1
Mon Oct 22, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo - Premier Banking, relationship managers - good or bad?
Replies: 6
Views: 280

Re: Wells Fargo - Premier Banking, relationship managers - good or bad?

Check out the theoretical penalty from breaking a CD early,perhaps you still come out ahead as compared to the savings account depending on the penalty severity vs. the interest rate difference. Read the fine print very carefully! As dm 200 responded to my question the other day By the way the local...
by Wakefield1
Sun Oct 21, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 53
Views: 5388

Re: My Edward Jones IRA is out performing my Vanguard 401K

Comparing the return over the last few months or so between various mutual funds is interesting but can be not only like comparing apples and oranges but comparing to watermelons! Probably not of much use in comparing different fund houses unless you compare funds with similar missions and asset mix...
by Wakefield1
Sat Oct 20, 2018 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 53
Views: 5388

Re: My Edward Jones IRA is out performing my Vanguard 401K

I have no experience with firm in this posting but i am a geriatrician which means I have a lot of widows as patients. People often ask doctors about legal and financial matters. I warn them that doctors don’t know much about such matters and even worse we sound like we do. I have noticed that they...
by Wakefield1
Sat Oct 20, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 588
Views: 87064

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Yesterday, I drove the CRV for about 20-30 minutes and parked. I noticed quite a trail of water drops on the pavement behind both of the exhaust pipes for about 2-3 feet and then noticed that there was actually water pooled in the ends of the exhaust pipes as well. Never seen this before. What do y...
by Wakefield1
Fri Oct 19, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Active Isn’t All Bad
Replies: 7
Views: 929

Re: Larry Swedroe: Active Isn’t All Bad

Do the fund managers receive/get paid the bulk of the expense ratio proceeds of the funds they manage or do middlemen such as the investors/Big Banks or insurance companies who own some of the for profit fund houses get a lion's share of those proceeds?
by Wakefield1
Fri Oct 19, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: Why is dividend yield a part of expected future returns
Replies: 15
Views: 1080

Re: Why is dividend yield a part of expected future returns

I realize that total return is made up of two parts, dividend distribution and share price appreciation I guess my confusion is if return over the long run is based on overall profit growth of the company since it seems the main measure Wall Street uses to value a company is P/E ratios. What does a...
by Wakefield1
Fri Oct 19, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: Why is dividend yield a part of expected future returns
Replies: 15
Views: 1080

Re: Why is dividend yield a part of expected future returns

But in all these dividend threads, isn't it agreed that the share price of the stock goes down by the amount of the dividend leaving a net zero gain? I guess I'm still confused. What about the analogy of milking a cow-after you milk it the cow weighs less and can't be immediately milked again-but t...
by Wakefield1
Wed Oct 17, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: "Breaking" a CD: On a Specific Date ??
Replies: 12
Views: 772

Re: "Breaking" a CD: On a Specific Date ??

I guess that different institutions have varied penalties for breaking CDs of similar maturities?
Do some institutions claw back principal as well as interest if a CD is "broken"?
by Wakefield1
Thu Oct 11, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: auto/home insurance rates
Replies: 19
Views: 1562

Re: auto/home insurance rates

I/we have been with State Farm - auto 46 years and homeowners for 40. Very happy - premiums are low (compared to what I understand). State Farm just lowered my (auto) premium a little bit (been with them for 17 or so years) I think having a good Agent might have some bearing on the "price optimizat...
by Wakefield1
Thu Oct 11, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7133

Re: My life saved by New subaru. Almost died.

Your Subaru Outback 3.6 Touring is a very poor performer when it comes to braking.. Braking is not the Subaru Outback’s forte. With a 70-mph-to-zero braking distance of 192 feet, our 3859-pound Outback 3.6R Touring d idn’t just perform poorly among its competitive set, it simply performed poorly . ...
by Wakefield1
Tue Oct 09, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for a friend in her nineties
Replies: 22
Views: 1849

Re: Investment advice for a friend in her nineties

Many thanks to all of you for your advice. I don’t want to advise my friend to buy stocks in her nineties, and her aversion to investing online pretty much rules out Treasury Direct and online banks. She’s also averse to money market mutual funds. So I’ve scouted around and have found two local ban...
by Wakefield1
Fri Oct 05, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: Where is that value premium?
Replies: 57
Views: 4082

Re: Where is that value premium?

Say a fund at a point in time shows superior 10 year return. Then suppose it has a really bad quarter and underperforms its peers by several percent. I understand that the 10 year return figure will also decline relative to the other funds that did better that quarter. There goes the (value) (growth...
by Wakefield1
Fri Oct 05, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: 7 Investing Truths That Aren't
Replies: 53
Views: 5866

Re: 7 Investing Truths That Aren't

Greenman72 wrote:
Fri Oct 05, 2018 7:38 pm
“You don’t lose any money until you sell.”
You don't have any money until you sell (unless you have dividends) :shock:
by Wakefield1
Thu Oct 04, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: Key differences between investing philosophies: Swedroe vs. Bogle
Replies: 144
Views: 7678

Re: Key differences between investing philosophies: Swedroe vs. Bogle

The Swedroe theories,analyses and academic work might be seen as useful to trying to understand why markets work as they do,in a sort of scientific detached way. Attractive to someone with a passionate interest in understanding such things. Bogle gave us a way to navigate the markets such as to seek...
by Wakefield1
Wed Oct 03, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11759

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

And I don't know if it is true or not, but I was told to turn off AC when moving. The argument is that the cooling load on a house with all its doors open is higher than normal and can strain the system. Sorry, not an ounce of truth to that. It’s analogous to saying you shouldn’t turn on lights at ...
by Wakefield1
Wed Oct 03, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: Key differences between investing philosophies: Swedroe vs. Bogle
Replies: 144
Views: 7678

Re: Key differences between investing philosophies: Swedroe vs. Bogle

(Before I read through the thread)
exquisitely complex analysis and calculations and deliberations in order to chase down a possible small return advantage (or tax reduction) vs. "KISS" and earn the market return ("keep it simple,xxxxxx") (xxxxxx might run afoul of moderator rules)
by Wakefield1
Wed Oct 03, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11759

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

It would be interesting to be able to access the old house to see if the AC system has even actually been replaced as claimed. Slick AC contractor or slick home buyer? Looking for free $10,000.? If the AC actually stopped working was it some small problem that was repaired and the charge made for an...
by Wakefield1
Mon Oct 01, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 9191

Re: Suze Orman - "I hate the FIRE movement."

Fear of giving up some control of one's own personal resource (the ability to earn money) I and my favorite boss were more or less pressured by family responsibilities to retire earlier than would have otherwise been desired,he told me to try to keep my commercial (truck) driver's license as in tryi...
by Wakefield1
Fri Sep 28, 2018 12:49 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 588
Views: 87064

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

What a shame if they have discontinued the excellent V6 Accord in favor of the turkey (I mean turbo).
by Wakefield1
Fri Sep 28, 2018 12:46 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 110
Views: 22739

Re: Water Heater Install $1,800!

I have learned something new. I was aware that there is such a thing as a hydraulic shock absorber,sort of a pressure tank on a water line that contains some air as well as water pressurized from the line,such that changes in the pressure in the water line make water flow either into or out of the t...
by Wakefield1
Sun Sep 23, 2018 1:46 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3722

Re: How to get rid of rabbits

There is a population explosion of "rabbits" (I believe they are some kind of hybrid cottontail hare) in Arlington Virginia and they are very destructive to many plants and vegetables,they have essentially destroyed what used to be a nice collection of Spring and Fall blooming Crocus over a few year...
by Wakefield1
Wed Sep 19, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 110
Views: 22739

Re: Water Heater Install $1,800!

Our local "All Plumbing" just R and R'ed our 25 year old (Correction 23 year old?) AO. Smith that sprung a leak with the same thing (40 gal.,gas,A.O. Smith for $1500. Includes an expansion/hydraulic shock absorber tank ,the old one didn't have one. Notice that there is probably not enough overhead c...
by Wakefield1
Sat Sep 15, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: The Boglehead is anti-entrepreneur?
Replies: 62
Views: 4077

Re: The Boglehead is anti-entrepreneur?

Does an entrepreneur have to risk everything owned,put everything at risk? (Some do) Is a person that puts,say, 30% of all they own at risk in a business or venture,an entrepreneur? I believe in instinct and "Genetics is Destiny". (Almost everyone is good at something,just not maybe what someone els...
by Wakefield1
Thu Sep 06, 2018 9:21 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund Fee Wars Will Encourage Bad Behavior
Replies: 26
Views: 2654

Re: Mutual Fund Fee Wars Will Encourage Bad Behavior

What was Vanguard's name for a fee that was assessed on holdings/holders of certain funds for selling before a certain minimum holding time,with the fees being paid back into the fund (so as to benefit buy and hold investors at the expense of shorter term holders "traders" deferred contingent or som...
by Wakefield1
Mon Sep 03, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?
Replies: 110
Views: 5782

Re: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?

Go in on your own and you may indeed outperform the market. On the other hand,you undoubtedly have a much greater chance of losing most or all of your money (than if you invested with diversified mutual funds such as those Mr. Bogle pioneered. And some of those T. Rowe Price ones aren't so bad eithe...
by Wakefield1
Sun Sep 02, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6561

Re: Lexus vs. Mercedes

I will be buying myself a new used car sometime in the next few months. Right now I am deciding between a 2016 GS 350 or an E350. These seem to be in the $30k-$35k range right now which is what I want to spend. (I'm open to an IS also, but not a C-class). My major concern is long term costs. We hav...
by Wakefield1
Fri Aug 31, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Auto Renewals
Replies: 22
Views: 1231

Re: Auto Renewals

Classmates Online? Hard to cancel?
I would use a check or a temporary throw away credit card generated number such as Bank of America "Shopsafe"
by Wakefield1
Mon Aug 27, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks That Went Bust
Replies: 110
Views: 9396

Re: Individual Stocks That Went Bust

GE -are the parts worth more than the whole?
by Wakefield1
Wed Aug 15, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 588
Views: 87064

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Perhaps direct injection on a gasoline engine should only be activated during full throttle/high turbo boost operation as a go fast aid and ordinary port or even "izzacarb" (throttle body injection) used during ordinary routine part throttle and idle operation. An expensive toy? I think that Diesel ...
by Wakefield1
Sun Aug 05, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5769

Re: Comfort level with Credit Card Balance

Don't like to owe anything on the two credit cards. One of them can be paid online from my checking account within a couple days of use. The other one,I keep zero owing statement stubs around so that I can pay it off before the new bill comes. I keep that credit card around because it is less likely...
by Wakefield1
Sun Aug 05, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4850

Re: Dear BH, what are non-BH actions you do?

I still have Briggs and Stratton (made what were some of my favorite childhood toys) on dividend reinvestment in spite of the fact that dividend reinvestment might not be such a good idea -and I seem to remember that Mr. Bogle told me that in person-if you can't bring yourself to sell your favorite ...
by Wakefield1
Sat Aug 04, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Biggest Companies Deserve to be Best?
Replies: 11
Views: 1131

Re: Biggest Companies Deserve to be Best?

Direct quote from John Reckenthaler's article on Morningstar website: "The Biggest Companies Deserve to Be Best" Tuesday's column detailed how, in recent years, blue chips have dominated. An investor in August 2013 who sorted all publicly traded firms by their market caps from largest to smallest, ...
by Wakefield1
Thu Aug 02, 2018 10:37 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 6163

Re: Will dividend spending only portfolio last forever ?

So the dividend yield of the S&P "500" has gone down? Suppose you bought XXX dollars worth of the S&P 500 thirty years ago (using "Bogle's Folly") (thank you Jack) and didn't sell any of it but did extract rather than reinvest the dividends. Is the yield of that investment now less than it was 30 ye...
by Wakefield1
Wed Aug 01, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 6043

Re: Financial upside / downside of marriage vs cohabiting

I've been single. I've been married. I've been divorced. I've paid alimony. I've paid child support. I now have grandchildren. My advice is: figure this stuff out before you get involved with a person of the opposite sex, not after a child is on the way. It's too late now, so do the right thing. Yo...
by Wakefield1
Wed Aug 01, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: Retirees: How to add $340,000 to retirement savings
Replies: 77
Views: 11204

Re: How much more can I save if I live in a van, down by the river?

LOL!!!! :beer As I remember there were a few private holdings near the Potomac River where people lived in vans or other such things (one was near Harper's Ferry,another near "Whites Ferry" (about mile 30 something as measured along the C&O Canal towpath) as I remember that were holdouts from the N...
by Wakefield1
Wed Aug 01, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Retirees: How to add $340,000 to retirement savings
Replies: 77
Views: 11204

Re: Retirees: How to add $340,000 to retirement savings

For some people such as myself owning a Good home is one of the strongest incentives for trying to acquire sufficient wealth to make such ownership possible. Sufficient wealth to have some personal dignity? Think of land on which you can do your favorite gardening activity,trails or country road to ...
by Wakefield1
Wed Jul 25, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Robert Samuelson column -- Washington Post
Replies: 15
Views: 1450

Re: Robert Samuelson column -- Washington Post

Does the rise of the ETFs (rising in popularity and balances as a proportion of all market investments) increase market volatility? (I suspect yes)
Does the rise of indexing increase market volatility? (I suspect not)
Two different questions
by Wakefield1
Tue Jul 24, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Peak Oil, Reloaded?
Replies: 45
Views: 3933

Re: Peak Oil, Reloaded?

I understand that different crudes vary greatly from one another in their hydrocarbon and impurity makeup and that there is evidence that some but not all crude came from non biological sources -like polymerization of primitive materials such as those that make up much of the planet Jupiter and may ...
by Wakefield1
Fri Jul 20, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 13438

Re: New Vanguard Security Code Requirement

Does VG use cookies to see if you're coming from a different machine? Or do they use your external IP address? Will their app use 2FA? I haven't tried their app yet, but just curious. The app using 2FA seems useless considering most people using the app already have the phone (unless logging into t...
by Wakefield1
Sun Jul 15, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: Has the range of expected stock market returns ever been larger than today?
Replies: 15
Views: 1592

Re: Has the range of expected stock market returns ever been larger than today?

As individuals most of us indeed have no control over future stock market returns but as a society I think we have a great deal of such control depending on what we do as a society In the event of low future market returns maybe it would be good to have fed the pig something (bank accounts, Credit U...
by Wakefield1
Sun Jul 01, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: Do Advisers Add $$$ Value?
Replies: 73
Views: 6378

Re: Do Advisers Add $$$ Value?

Some do, and some don’t. In general it depends on your needs, and what level of effort you’re willing to put into your financial situation. Many of the folks on Bogleheads have an unfair characterization of an advisor as someone who is primarily there just to set an asset allocation. By nature this...
by Wakefield1
Thu Jun 28, 2018 12:00 am
Forum: Personal Finance (Not Investing)
Topic: "Who's John Bogle?"
Replies: 17
Views: 2535

Re: "Who's John Bogle?"

Leesbro63 wrote:
Wed Jun 27, 2018 9:56 pm
My experience is that, sadly, very few “average investors” have ever heard of Mr. Bogle.
And that is unfortunate. "Financial illiteracy"
by Wakefield1
Mon Jun 18, 2018 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest $50K+ down payment money for five years?
Replies: 73
Views: 6728

Re: Where to invest $50K+ down payment money for five years?

Just noticed that interest rates on CDs at my Credit Union have increased significantly again (Arlington Community Federal Credit Union)
"no penalty" 15 month CDs starting at minimum $500.
by Wakefield1
Mon Jun 18, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 74
Views: 5943

Re: "distilled" water for wife's CPAP machine

Dehumidifier/Air conditioner condensate is contaminated by dust and other particles in the air passing through?
by Wakefield1
Mon Jun 18, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: How do folks pull retirement income out of Wellesley?
Replies: 12
Views: 2179

Re: How do folks pull retirement income out of Wellesley?

Set Wellesley to fire dividends into linked Bank/Checking account but continue to reinvest cap. gains distributions into new shares? (So as to reduce chances of "return of Principal")?
by Wakefield1
Sun Jun 17, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Best tips for starting a new job
Replies: 19
Views: 1435

Re: Best tips for starting a new job

Courtesy Respect Acknowledgement Professionalism Learn obvious and not so obvious protocols. (where the lines are) Careful with "new friends" and "gossip". ^^^^^^^^^^^This^^^^^^^^^^^^^^^^^^^^^^^^ Prepare to be tested, personally and professionally. Humility (ego in check). Communicate without being...
by Wakefield1
Mon Jun 04, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: Thinking of a divorce - from Vanguard
Replies: 45
Views: 7630

Re: Thinking of a divorce - from Vanguard

Fine! But no more admiral shares for you! Can you please explain what "admiral shares" are? I've been on this forum for awhile but still don't know the difference. I have my IRA account through Charles Schwab so im not that knowledgeable in Vanguard. Simply a class of the same fund with a lower exp...
by Wakefield1
Sun Jun 03, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 63
Views: 10897

Re: Are people aware that Verizon email is being terminated?

imap.aol.com is what my application is trying to connect to in order to get messages Outgoing email (sending) uses SMTP. I'm betting you need to change the outgoing server from Verizon.net to aol.com. See: Configure a Verizon.net account using IMAP Replace "Outgoing mail server (SMTP): smtp.verizon...
by Wakefield1
Sun Jun 03, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 63
Views: 10897

Re: Are people aware that Verizon email is being terminated?

imap.aol.com is what my application is trying to connect to in order to get messages
by Wakefield1
Sun Jun 03, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 63
Views: 10897

Re: Are people aware that Verizon email is being terminated?

Just to report,as of now and for the last few months I can only access incoming mail on my "verizon.net" e mail address by going to the AOL web portal,my e-mail application does not work. Annoying and there are all of those ads on the AOL web site. I wonder if that is true for others? (my e-mail app...