Search found 96 matches

by palaheel
Thu Sep 27, 2018 5:35 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3441

Re: Good flip flops

My wife loves Olukai.
by palaheel
Sun Sep 23, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3696

Re: How to get rid of rabbits

I would try to find a falconer. I don't think a visiting hawk would control a population, but they're fascinating birds to watch. It would be great fun.
by palaheel
Sun Sep 23, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6456

Re: My Very First Smartphone — Please Critique This Plan

Usage is clearly important, and driving most of the suggestions here. If you're going to stream video over a cell network, you'll need more data. You'll also want a larger display. Probably 95%+ of DW and my data come over WiFi, and so doesn't count. When not on WiFi, I stream an hour or so of audio...
by palaheel
Sun Sep 09, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Low pay and low stress jobs with health benefit
Replies: 41
Views: 5664

Re: Low pay and low stress jobs with health benefit

If you're considering an educational environment, check out the local community college. Depending on your subject of expertise, they might be begging for help.
by palaheel
Fri Sep 07, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 155
Views: 16475

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

London. History, culture, museums (the Brits stole only the very best), theatre, art. Even the buskers are fantastic. And they speak something close to the right language :happy The food can be endured.
by palaheel
Thu Sep 06, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7680

Re: Should I keep my financial advisor

In last 2 years, I have roughly made about 10% per year on my investment compared to about 18% for the S&P 500 with dividends reinvested. I do not know how to calculate the return of 3 fund portfolio. In the past 12 months, Vanguard total stock returned 18%, Vanguard S&P 500 fund returned 17%. And ...
by palaheel
Wed Aug 22, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Wrong for being 100% Equities ?
Replies: 62
Views: 5735

Re: Am I Wrong for being 100% Equities ?

In 2009 I was laid off/retired at 55 and 100% in mutual funds. When I realized that, I decided that my decades-long 100% equity position had been stretched too far. I've never sold during a crash, and it was the "being 55" that bothered me more than the crash. I slowly started to move to a more bala...
by palaheel
Sat Aug 18, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 8802

Re: Edward Jones rep door knocking

andypanda wrote:
Sat Aug 18, 2018 11:31 am
I have had a lighted doorbell next to my front door for 26 years. It isn't hooked to a buzzer, bell or ringer. My friends know to knock. My close friends come straight to the kitchen door.
This is the funniest thing I've seen on this board in a long time. Well done.
by palaheel
Mon Aug 13, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25215

Re: most compelling TV character ever

One more damaged detective: Grace Hanadarko (Holly Hunter) in Saving Grace, and her angel, Earl.
by palaheel
Thu Aug 09, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25215

Re: most compelling TV character ever

For some British shows,

Idris Elba in Luther, a British cop series. Luther is one damaged detective.

Patrick McGoohan in both Secret Agent (aka Danger Man) and The Prisoner.
by palaheel
Thu Aug 02, 2018 9:36 pm
Forum: Investing - Theory, News & General
Topic: Treasury Bonds are the Only Bonds You Need
Replies: 195
Views: 21349

Re: Treasury Bonds are the Only Bonds You Need

I have a naive question: When y'all speak of "Treasury bonds," do you include other government-backed securities? For example, PIMCO GNMA and Government Securites (PDMIX) is available in my 401k. Should I view VFIUX (Vanguard Intermediate Treasuries Admiral) as safer?
by palaheel
Wed Aug 01, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to France in June 2019 - ADvice ?
Replies: 28
Views: 2069

Re: Planning a trip to France in June 2019 - ADvice ?

Lots of good advice here. I suggest prioritizing things you like: culture, art, history (which period?), what other interests to you have? Does anyone have a connection to a region or historical period or genre of art? Does anyone have a dream ("When I was little I dreamed about ....")? Let your int...
by palaheel
Mon Jul 30, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 52
Views: 4953

Re: SocialSecurity.tools updated to include spousal benefits

This, combined with the Open Social Security calculator, are the most understandable tools I've seen. Thank you. Thank you. Thank you.
by palaheel
Mon Jul 16, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Passport expiration time rules for France
Replies: 34
Views: 2504

Re: Passport expiration time rules for France

Many years ago I asked a French immigration agent what they looked for when checking my passport. As I remember, he said "I look that the expiration month is not the current month." So if your passport expires on 3/1, and you're entering France on 2/28, you're probably ok. On the other hand, if you'...
by palaheel
Wed Jul 11, 2018 5:27 am
Forum: Personal Consumer Issues
Topic: Prepaid cell phone plan vs Regular Contract Plan
Replies: 29
Views: 2726

Re: Prepaid cell phone plan vs Regular Contract Plan

I'm also happy with Cricket. One thing I like is that the monthly price includes taxes and other fees. When I was on the major carriers, those were always added charges. I don't know if that's still the case.
by palaheel
Tue Jul 03, 2018 6:09 pm
Forum: Investing - Theory, News & General
Topic: Morningstar: What to Consider When Picking Multifactor ETFs
Replies: 83
Views: 5689

Re: Multi-Factor funds vs. Total Stock Market

Hey, if we're going to play the "pick the fund with good past performance game" let's let loose. DFA U.S. Targeted Value Portfolio (DFFVX) is a multi-factor fund with a 15 year track record. Let's compare it with Vanguard Total Stock Market (VTSAX) as of June 30, 2018: Fund ----------- 15-year retu...
by palaheel
Fri Jun 22, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International Fund
Replies: 16
Views: 2072

Re: Vanguard Total International Fund

Let me know if I'm missing something. This is the investor class. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2017&firstMonth=1&endYear=2017&lastMonth=12&endDate=06%2F21%2F2018&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annua...
by palaheel
Fri Jun 22, 2018 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International Fund
Replies: 16
Views: 2072

Re: Vanguard Total International Fund

Over these many years, I have heard that an investor should avoid Indexed International Equity Funds as the Total International Stock Fund at Vanguard. Unfortunately, I did not follow the advice. Managed International Equity Funds are preferred. And so, I should have chosen the International Growth...
by palaheel
Sat Jun 16, 2018 4:58 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6932

Re: Need advice on 1st international vacation

One thing few tourists see is the Ceremony of the Keys at the Tower of London. It's the ceremonial locking of the tower each evening. In the pre-internet era, tickets had to be obtained well in advance. I don't know about now.
by palaheel
Thu Jun 14, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 52
Views: 5215

Re: Living Abroad - Who's done it?

Is there something special about your destination? Or is it just a change? DW and I did a year in England in the early 80s, and (with kid) almost 3 in France in the mid-90s. Both were on Megacorp's dime, which "helps...." For us, getting closer to the history and culture of Western Civilization was ...
by palaheel
Sun Jun 10, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: Benjamin Graham's lesson on timing
Replies: 23
Views: 2987

Re: Benjamin Graham's lesson on timing

“The market can stay irrational longer than you can stay solvent” :-). ...I say small taste because I see a big difference between in and out market timing versus opportunistically taking risk off the table as one approaches retirement and the retirement portfolio, a one direction move. Dave I don'...
by palaheel
Sun Jun 03, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6932

Re: Need advice on 1st international vacation

In Italy, prices can be negotiated. Even if you don't intend to haggle, ask the price before getting into that cab.
by palaheel
Sun Jun 03, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6932

Re: Need advice on 1st international vacation

I would decide three or four topics--history, art, natural history, etc, and keep those ideas in mind while making decisions. Most major cities will have day tours that you can book when you arrive. Those are good for things just a bit out of town, like Versailles. We would always take a "stay on th...
by palaheel
Sun May 27, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Paul Merriman's Portfolio
Replies: 71
Views: 22179

Re: Thoughts on Paul Merriman's Portfolio

Paul, thanks for your DFA fund choices and allocations. I have access to some DFA funds in my 401k (not your choices, sadly), but your choices give me something to work with.
by palaheel
Thu May 24, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Switching jobs, what to do with 401k
Replies: 13
Views: 1446

Re: Switching jobs, what to do with 401k

I would evaluate the old plan to the alternatives. My Mega Corp 401k is low cost and has several DFA funds, among others. I don’t know of anything better that I could get elsewhere.
by palaheel
Mon May 21, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless, Unlocked Phones, Advantages, SIM Size
Replies: 10
Views: 909

Re: Cricket Wireless, Unlocked Phones, Advantages, SIM Size

If WiFi calling is important, Cricket says that you have to purchase the phone from them. I’m not sure how they could tell my Cricket purchased but now unlocked iPhone SE from my wife’s unlocked non Cricket iPhone SE, but that’s what they claim. I think it’s a great feature. I get no cell signal in ...
by palaheel
Fri May 18, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Short Term Government Bond Fund?
Replies: 2
Views: 547

Re: Which Vanguard Short Term Government Bond Fund?

Thank you. I wondered if I was missing something.
by palaheel
Thu May 17, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Short Term Government Bond Fund?
Replies: 2
Views: 547

Which Vanguard Short Term Government Bond Fund?

I would appreciate advice about which short term government bond fund I should use in my 401k. My choices are VSGDX, Vanguard ST Federal Adm, ER .10% VFIRX, Vanguard ST Treasury Adm, ER .10% The main difference I see is that VFIRX is "debt issued directly by the government in the form of Treasury bi...
by palaheel
Wed May 16, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 46
Views: 7030

Re: Unique Phone Apps that you find yourself using most often?

Google maps for traffic and directions, Amazon Prime for music, MicroSoft Outlook for work email, YouVersion for David Suchet reading the Bible, HiYa for spam call detection, SigFig for portfolio tracking, FoxNews for the depressing stuff, iPhone's Podcast app. Has anyone else noticed that Google Ma...
by palaheel
Mon May 14, 2018 8:08 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 13735

Re: The front page is ugly

freebeer wrote:
Mon May 14, 2018 4:27 am
"...The home page loads fast and adapts well to mobile devices ...
+1. And any changes should load at least as fast and adapt at least as well to mobile devices.
by palaheel
Wed May 02, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Asheville, NC Visit
Replies: 20
Views: 2086

Re: Asheville, NC Visit

summer stock:

https://www.flatrockplayhouse.org/

http://parkwayplayhouse.com/


Mt Mitchell, highest point east of the Mississippi


Cherokee, Unto These Hills drama
by palaheel
Wed May 02, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: How are you widow-proofing?
Replies: 35
Views: 4886

Re: How are you widow-proofing?

I left my wife a note that says "call Vanguard PAS."
by palaheel
Fri Apr 27, 2018 5:53 pm
Forum: Investing - Theory, News & General
Topic: White Coat Investor Interviews Paul Merriman
Replies: 37
Views: 7010

Re: White Coat Investor Interviews Paul Merriman

I'm also a fan. My 401k offers several DFA funds, and I use them to tilt to small and value. I wish I'd known about doing that years earlier.
by palaheel
Thu Apr 26, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 11987

Re: Larry Swedroe: Financial Perils Of Old Age

My plan is to hike the Appalachian Trail in my early 80s. I figure I won't make it out of Georgia.
by palaheel
Sun Apr 22, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 112
Views: 8456

Re: AAA? What to do in car emergencies?

We use Allstate Good Hands Rescue. It's a pay-per-use program, so it's free as long as we don't need help. We do not have Allstate insurance.

https://www.allstate.com/roadside-assis ... escue.aspx
by palaheel
Fri Apr 20, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Opinions on current Morgan Stanley portfolio - and move to Vanguard PAS
Replies: 5
Views: 557

Re: Opinions on current Morgan Stanley portfolio - and move to Vanguard PAS

Most people on this board are a lot better at this than I am, but I did play around with this a bit. The equity portion of the OP portfolio has a style box 19 26 35 04 04 07 02 02 02 and is roughly 50/50 US/International. I compared this portfolio to VTSAX Vanguard Total Stock Mkt Indx Adm 25% VTMGX...
by palaheel
Wed Apr 18, 2018 8:49 pm
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 7996

Re: vanguard notice - retiring our old investment platform

i admit to being a dummy. How do I tell if I'm on the old platform or the new one?
by palaheel
Sun Apr 15, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Investing for a 1 year old
Replies: 9
Views: 1244

Re: Investing for a 1 year old

Paul Merriman has some ideas along these lines:

https://paulmerriman.com/turn-3000-into-50-million/
by palaheel
Wed Apr 11, 2018 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 4532

Re: Any aggressive index funds in your portfolio?

As someone said, most people here are "buy the market" investors. If you want to start tilting, you might want to look at paulmerriman.com. He has a small/value philosophy.
by palaheel
Fri Mar 30, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: taxes: e-file vs. paper
Replies: 51
Views: 4373

Re: taxes: e-file vs. paper

Are there differences in auditing rates between electronic and paper returns? Many years ago I heard that electronic returns had a slightly higher chance of being audited.
by palaheel
Fri Mar 16, 2018 5:19 am
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 3830

Re: Which Day Hiking Trails Do You Recommend?

In southwest Virginia, park in Grayson Highlands State Park, and hike a loop involving the Appalachian Trail, Thomas Knobb shelter, Crest Trail, and the Scales.
by palaheel
Sun Feb 11, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: No DFA Forums?
Replies: 8
Views: 1098

Re: No DFA Forums?

Some 401(k)s offer DFA, so a DIY approach isn't impossible. Agreed. My former employer has the following DFA funds available (and a couple of others that I don't use): DFEOX DFA US CORE EQ 1 I DFEVX DFA EMERG MKTS VAL I DFFVX DFA US TARGET VAL I DFISX DFA INTL SMALL CO I DFIVX DFA INTL VALUE I DFVQ...
by palaheel
Thu Feb 08, 2018 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on getting advice, SS/Medicare/allocation
Replies: 22
Views: 1329

Re: Need advice on getting advice, SS/Medicare/allocation

Thanks again to everybody. The book is ordered, I have a list of local SHIIP offices, and I'm again amazed at the wealth of knowledge on this board.
by palaheel
Wed Feb 07, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on getting advice, SS/Medicare/allocation
Replies: 22
Views: 1329

Re: Need advice on getting advice, SS/Medicare/allocation

Thanks again, everyone. I think I have the beginnings of a plan: concentrate on Medicare, buy Medicare for Dummies (it's pretty cheap), and go through https://www.ncdoi.com/SHIIP/Default.aspx (I looked at it for a bit--it's a big, big site--it'll take some time).
by palaheel
Wed Feb 07, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on getting advice, SS/Medicare/allocation
Replies: 22
Views: 1329

Re: Need advice on getting advice, SS/Medicare/allocation

Many thanks for the responses. "Medicare for Dummies" sounds like a great book for us. I'm so clueless on Medicare that I don't know the questions to ask. I work for the State (NC), and we'll be covered by our State health plan when I turn 65. One option I have is to work long enough to be able to b...
by palaheel
Wed Feb 07, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on getting advice, SS/Medicare/allocation
Replies: 22
Views: 1329

Need advice on getting advice, SS/Medicare/allocation

I'm 64, DW is 63. We haven't started taking Social Security, yet. I think I could benefit from a one-time meeting with someone who could give me a game plan for Social Security and Medicare as it will apply to our situation. Looking over our retirement account allocations might also be useful, but t...
by palaheel
Sat Jan 20, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 39924

Re: What's your U.S. : International ratio?

Going back further shows a less-clear picture. Comparing (blue) Vanguard International Growth, VWIGX, (an active fund, and hardly index based, but one of the oldest international funds that I could find), and the (yellow) Vanguard 500 Index (VFINX) shows that from 1981 through 1996 International was...
by palaheel
Sat Jan 20, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 111
Views: 10092

Re: Post Your Morningstar Box Style

14 09 07
13 13 11
13 12 07

Much of the Large Value is EM Value; my 401k doesn't have many choices there. And my Developed International choices force either "too Large" or "too Mid." I choose the latter.
by palaheel
Sat Jan 20, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 2164

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

Depending on what you want to do, the daylight hour difference between summer and winter can be significant. London is getting around 8.5 hours of daylight today. We've done trips in the dark; they're not as much fun.
by palaheel
Sat Jan 20, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 39924

Re: What's your U.S. : International ratio?

I'm 50/40/10 US/Developed International/Emerging. I allocate with the market weights, though within each segment I tilt to small and value.