Search found 10 matches

by graviteer
Thu May 02, 2019 1:21 am
Forum: Personal Investments
Topic: Social responsibility investing in my 401k?
Replies: 13
Views: 923

Re: Social responsibility investing in my 401k?

VFTNX is an excellent choice, certainly appropriate as a core holding. It is a well diversified domestic fund with a very low expense ratio, and a history of tracking with the market, as you have seen. I think it's commendable that you're trying to take into account the impacts your investment decis...
by graviteer
Sat Apr 13, 2019 11:45 am
Forum: Personal Investments
Topic: Socially responsible investing
Replies: 27
Views: 5519

Re: Socially responsible investing

Contributions are also a form of economic incentive. There is precious little evidence renewable energy investing per second increases the amount of renewables out there. An offshore wind farm is a several billion dollar investment. If institutional arrangements such as auctions support that then i...
by graviteer
Sat Apr 13, 2019 6:51 am
Forum: Personal Investments
Topic: Socially responsible investing
Replies: 27
Views: 5519

Re: Socially responsible investing

Honest question, how does it help the world to buy stocks of these companies? Wouldn't your money be better spent donating to the cause organizing some type of advocacy? This thread is about how you invest money -- not how you spend or donate it. The way investing choices affect the world is by cha...
by graviteer
Thu Nov 08, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Add-on Hot water Heat pump
Replies: 12
Views: 1049

Re: Add-on Hot water Heat pump

The Sanden SANCO2 is a highly efficient split system. It is pricey, and probably not designed to be retrofitted to an existing tank. But its tank and outdoor unit can be serviced separately, if either one fails.
by graviteer
Thu Sep 20, 2018 11:36 pm
Forum: Investing - Theory, News & General
Topic: New [Vanguard] environmental, social, governance (ESG) ETFs
Replies: 25
Views: 2883

Re: New [Vanguard] environmental, social, governance (ESG) ETFs

What a pleasant surprise to see Vanguard expanding its ESG offerings. It finally gave me sufficient reason to "upgrade" my Vanguard account to brokerage, so I can invest in these new ETFs. I find these funds appealing because I believe that individual economic choices, aggregated through markets, ar...
by graviteer
Sun Sep 09, 2018 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly cost of air conditioning?
Replies: 23
Views: 2436

Re: Hourly cost of air conditioning?

As others have pointed out, you say that you run your air conditioner very little ($144/year). A new unit will cost several thousand dollars. It's not possible for the improved efficiency of the new unit to recover its cost, even if it too lasts 25 years. Even so, it may be wise to replace the unit ...
by graviteer
Wed Sep 05, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Electric dryers more efficient than gas?!?!?!?
Replies: 22
Views: 3125

Re: Electric dryers more efficient than gas?!?!?!?

Heat pump clothes dryers are far more efficient than gas, in fact >100% efficient. Like heat-pump HVAC equipment, they can achieve this feat because they do not use energy to create heat, but merely move it from place to place. In some situations, this advantage more than makes up for the cost diff...
by graviteer
Mon Jul 30, 2018 2:03 am
Forum: Personal Finance (Not Investing)
Topic: Frugality and Cash Rewards: What to keep vs. what to let go
Replies: 16
Views: 2456

Re: Frugality and Cash Rewards: What to keep vs. what to let go

If it feels oppressive to you, let it go. For me, the turning point was when I got to thinking about who exactly was picking up the tab for the bonuses and rewards I was enjoying. I eventually started to view these programs as an indirect transfer of wealth to me, from other customers of the bank sa...
by graviteer
Sun Jul 29, 2018 11:57 pm
Forum: Personal Consumer Issues
Topic: Where do you find the cheapest contact lenses?
Replies: 16
Views: 2242

Re: Where do you find the cheapest contact lenses?

When I was fitted for contacts, the optometrist sent me home with samples in the same size from the various brands. There was only one kind that my eyes could tolerate. Thus, for my eyes, price-shopping across brands would be a waste of money. Your eyes may vary, of course. I get contacts from 1-800...
by graviteer
Tue May 29, 2018 1:25 am
Forum: Investing - Theory, News & General
Topic: Can anyone recommend Any Social Responsible fund/s?
Replies: 17
Views: 1995

Re: Can anyone recommend Any Social Responsible fund/s?

I also came in here to recommend TIAA's "Social Choice" funds. TISCX is excellent. And there are international and bond funds (both at 0.4% ER), making it possible to construct a rather Boglehead-friendly socially-responsible three-fund portfolio. But since that's been mentioned, and not everyone ha...