Search found 92 matches

by passiveTiger
Wed Feb 13, 2019 12:32 am
Forum: Personal Consumer Issues
Topic: Ever heard of dentists sedating toddlers to fill baby teeth cavities?
Replies: 28
Views: 2650

Re: Ever heard of dentists sedating toddlers to fill baby teeth cavities?

mundart wrote:
Tue Feb 12, 2019 11:24 pm
Is it commonplace to put toddlers under to work on cavities in baby teeth?
https://www.today.com/today/amp/tdna113039
by passiveTiger
Wed Feb 13, 2019 12:14 am
Forum: Personal Finance (Not Investing)
Topic: 2 years in community college, then transfer? need opinion please
Replies: 118
Views: 6400

Re: I highly recommend a community college

Socrates28 wrote:
Tue Feb 12, 2019 9:20 pm
Many community colleges have TAG agreements - where if a student maintains a certain GPA, they automatically gain admission to the 4 year college.
Not entirely true in this case.

https://utexas.box.com/shared/static/lh ... ssta31.pdf
by passiveTiger
Wed Feb 13, 2019 12:13 am
Forum: Personal Finance (Not Investing)
Topic: 2 years in community college, then transfer? need opinion please
Replies: 118
Views: 6400

Re: 2 years in community college, then transfer? need opinion please

Your plan is very sound. The competition applying to schools like UT can be very tough. The sure fire way to bypass that is to do exactly what you plan. The transfer is virtually guaranteed assuming the student is an average or above student. Programs at the CCs are specifically set up to mirror th...
by passiveTiger
Tue Feb 12, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 35161

Re: [2018 tax return - How does it compare to previous years?]

My total amount of federal income tax was reduced by 15% in 2018 from the 2017 amount with no change in taxable income. I owe approximately 9.5% of the total tax amount that I will pay on April 15. I do not understand refunds. I carefully manage my withheld amount to ensure that I receive a relative...
by passiveTiger
Tue Feb 12, 2019 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: 2 years in community college, then transfer? need opinion please
Replies: 118
Views: 6400

Re: 2 years in community college, then transfer? need opinion please

If he's ready for calculus straight from high school (or has already completed it), he should do one year at a CC then transfer. If he needs remedial math, do that at the CC (perhaps 2 years total) then transfer. In either case, expect 3 years at the next school. If there's a very special program a...
by passiveTiger
Tue Feb 12, 2019 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: 2 years in community college, then transfer? need opinion please
Replies: 118
Views: 6400

Re: 2 years in community college, then transfer? need opinion please

As long as he graduates 3.0+ GPA at ACC, he will get into UT. 3.0 GPA will guarantee his transfer. He may transfer with a lower GPA, but a lower GPA will be no guarantee transfer. Having graduated from a competitive program, this sounded very odd to me, because a 3.0 is a pretty low bar to guarante...
by passiveTiger
Tue Feb 12, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Bad Idea or Good Idea? - Investing in 529 College Savings Plan
Replies: 70
Views: 4519

Re: Bad Idea or Good Idea? - Investing in 529 College Savings Plan

529s are excellent cost savings plans perfect for working professionals and retirees. Are you located near an inexpensive (relatively) community college? So you want a tax-efficient way to lose weight and exercise without paying a gym membership or purchasing equipment? Major in health or kinesiolog...
by passiveTiger
Tue Feb 12, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Bad Idea or Good Idea? - Investing in 529 College Savings Plan
Replies: 70
Views: 4519

Re: Bad Idea or Good Idea? - Investing in 529 College Savings Plan

RickBoglehead wrote:
Tue Feb 12, 2019 11:18 am
NotWhoYouThink wrote:
Tue Feb 12, 2019 11:03 am
Executive Masters of Business Administration. Like an MBA, but more prestigious.
No, it's not more prestigious.
+1
by passiveTiger
Thu Jan 31, 2019 8:01 am
Forum: Personal Investments
Topic: Got suckered into universal life insurance
Replies: 27
Views: 2655

Re: Got suckered into universal life insurance

dogagility wrote:
Thu Jan 31, 2019 6:18 am
Why does a single person without any dependents need life insurance? What am I missing here?
+1
by passiveTiger
Sat Dec 29, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2130835

Re: U.S. stocks in free fall

I don’t necessarily disagree with anything you wrote. But I think japan’s debt is a result of those macroeconomic variables. As for the US, we have an enormous trade advantage. As the largest consumer in the world, this gives us an advantage. I’m not certain that buying other countries’ stuff is a ...
by passiveTiger
Wed Dec 26, 2018 5:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2130835

Re: U.S. stocks in free fall

Japan is some bigger macro issues. No population growth. No immigration. No natural resources. No natural trade advantage. Every country has its issues. You left out that their debt situation is now even worse than ours, although we do our best to make it worse each day. But we do have similarities...
by passiveTiger
Tue Dec 25, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2130835

Re: U.S. stocks in free fall

I could see this causing a recession... when people feel less wealthy they cut spending back. I wonder how many people are seeing their company stock shares nose diving (tech companies) It would be unusual indeed for a stock market decline to cause a recession. It's usually the other way around. On...
by passiveTiger
Tue Dec 25, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2130835

Re: U.S. stocks in free fall

As a new investor who believes the market will recover but cannot dispute this point, I don't see why we need to be reminded of this. Like yeah, the market may never recover from this point on, but do you really think that is a realistic possibility worth mentioning? And to say this one has been de...
by passiveTiger
Mon Dec 24, 2018 11:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2130835

Re: U.S. stocks in free fall

letsgobobby wrote:
Mon Dec 24, 2018 10:26 pm
The Nikkei is down over 1000 points... 5%.
I guess anyone waiting for a return to the 1989 level will just keep waiting.

https://www.macrotrends.net/2593/nikkei ... chart-data
by passiveTiger
Mon Dec 24, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2130835

Re: U.S. stocks in free fall

First of all, I’m not gloom and doom. I too believe that this drop will eventually pass, the markets will not collapse, the banks will not be nationalized, and the people with underground bunkers will not be vindicated. On the other hand, markets do go down and can stay down. Sometimes, down a lot ...
by passiveTiger
Mon Dec 24, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2130835

Re: U.S. stocks in free fall

In an effort to console newish members, many posters have noted that "Prices will go back up. This is typical and part of investing in equities." I would like to remind those posters that an increase in future prices is not guaranteed . This is the risk we all assume through equity investments. +1 ...
by passiveTiger
Mon Dec 24, 2018 4:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2130835

Re: U.S. stocks in free fall

Japan is still waiting to return to December 1989 stock prices. Japan was so wrecked by overinflated real estate and other assets that it is now going extinct. Literally. https://www.npr.org/2018/12/21/679103541/japans-population-is-in-rapid-decline People talk long-term, staying the course, etc., ...
by passiveTiger
Mon Dec 24, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2130835

Re: U.S. stocks in free fall

In an effort to console newish members, many posters have noted that "Prices will go back up. This is typical and part of investing in equities." I would like to remind those posters that an increase in future prices is not guaranteed . This is the risk we all assume through equity investments. +1 ...
by passiveTiger
Mon Dec 24, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2130835

Re: U.S. stocks in free fall

Although it is painful to watch, I am gradually becoming desensitized to the numbers. (I am down about $300k YTD with a 50/50 AA) Must be rough being so wealthy having $6M+ invested. I didn't intend for that to come across as a brag, sorry. I would not have mentioned the numbers except for commiser...
by passiveTiger
Mon Dec 24, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2130835

Re: U.S. stocks in free fall

On a side note, it does alarm me that the TreasurySec was calling his major bank CEO buddies over the weekend from his vacation home and asking for their assurance on bank liquidities when NOBODY in the market even voiced that was of any concerns - what the heck was the guy thinking. That worried m...
by passiveTiger
Mon Nov 19, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 21573

Re: Vanguard lowering Admiral level to $3,000?

It sounds like Vanguard may have determined that it is just as cheap, perhaps cheaper, to run one share of fund for consumers. Different ticker symbols, having the UI/phone support/back office operations to handle conversion of Investor shares to Admiral/ETF shares, etc. I think it may be more abou...
by passiveTiger
Thu Nov 01, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Falling off the ACA subsidy cliff
Replies: 62
Views: 6006

Re: Falling off the ACA subsidy cliff

I'm in a similar situation such as yourself, projected to fly right off that ACA cliff and if so, would have to pay back $10,000 in subsidies. Last year our MAGI was right below the cliff; this year both wife and myself made more income. I'm pulling every possible lever I can to get below the cliff...
by passiveTiger
Mon Sep 03, 2018 3:14 pm
Forum: Personal Investments
Topic: Edward Jones advising roll over 401K to their IRA
Replies: 44
Views: 4608

Re: Edward Jones advising roll over 401K to their IRA

I just bought "The Coffeehouse Investor" and I should get it in 2 weeks. Do you have a public library in your area? If so, you may have already bought this book with your tax dollars. If they don’t have it, ask them to buy it. If you don’t have a library, the library does not have it, or the librar...
by passiveTiger
Mon Sep 03, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund size
Replies: 72
Views: 8566

Re: Emergency fund size

since no one appears to have said it yet, i'm in the camp of "no emergency fund", i have an "emergency plan". on the same tangent as willthrill81, you must define what an emergency is. for me, that means an unexpected expense which cannot be put on a credit card. i honestly can't think of a single ...
by passiveTiger
Sun Sep 02, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund size
Replies: 72
Views: 8566

Re: Emergency fund size

Hi, I have read in the forums that some have $50k as emergency fund. Is there any guidance around what the size of a emergency savings should be. I was guess somewhere $30-50k, but is there any measurement in terms of months of wage or similar so that I can ballpark what is reasonable? Thank you in...
by passiveTiger
Tue Aug 28, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13477

Re: Excessive Emergency Room Charges - Options?

That's not what urgent cares do. That is the definition of an emergency and that's what EDs are for. Urgent care is for tiny lacerations that barely need suturing, reassurance that your child's fever isn't fatal, stuff that doesn't need treated anyway like sinus infections and bronchitis and pharyn...
by passiveTiger
Thu Aug 23, 2018 11:49 pm
Forum: Investing - Theory, News & General
Topic: Any issue with not holding mid caps?
Replies: 50
Views: 4409

Re: Any issue with not holding mid caps?

There are many midcap indices: S&P, Lipper, Russell, DFA, CRSP(Vanguard), etc and some of them consider the smaller 200 or even 300 of the S&P 500 are midcaps. I consider my S&P 500 Index Fund covers large cap and midcap......Gordon You’re correct. http://www.crsp.com/files/breakpoints-chart-values...
by passiveTiger
Thu Aug 23, 2018 10:59 pm
Forum: Personal Investments
Topic: Company 401k contbr capped as % of paycheck
Replies: 24
Views: 2130

Re: Company 401k contbr capped as % of paycheck

Also, it is unlikely your traditional ira contributions are deductible because you are covered by a qualified workplace retirement plan for at least one day during the tax year Maybe. Maybe not. https://www.irs.gov/retirement-plans/2017-ira-deduction-limits-effect-of-modified-agi-on-deduction-if-yo...
by passiveTiger
Thu Aug 23, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: SALT: IRS issues proposed regs for State Tax Credit for Donation
Replies: 62
Views: 6401

Re: SALT: IRS issues proposed regs for State Tax Credit for Donation

How much would you be able to deduct from your federal taxes if you just paid your $11,500 property tax bill with $11,500? $10,000. Thanks. I think I asked that wrong. My intended question was: How much would you be able to deduct from your federal taxes if you paid your $11,500 state income tax bi...
by passiveTiger
Thu Aug 23, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: SALT: IRS issues proposed regs for State Tax Credit for Donation
Replies: 62
Views: 6401

Re: SALT: IRS issues proposed regs for State Tax Credit for Donation

It means that a property tax bill of $10,000 can be itemized by paying the $10,000 bill. An $11,500 property tax bill can be itemized by paying $10,000 in property taxes, making an additional charitable contribution of $10,000 to a state entity for which you receive a $1,500 property tax credit, an...
by passiveTiger
Thu Aug 23, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: SALT: IRS issues proposed regs for State Tax Credit for Donation
Replies: 62
Views: 6401

Re: SALT: IRS issues proposed regs for State Tax Credit for Donation

Does this mean that in the "best" scenario, the taxpayer will be able to deduct their SALT taxes up to the $10K limit and then deduct up to 15% of the excess (on the federal return)? It means that a property tax bill of $10,000 can be itemized by paying the $10,000 bill. An $11,500 property tax bil...
by passiveTiger
Thu Aug 23, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: SALT: IRS issues proposed regs for State Tax Credit for Donation
Replies: 62
Views: 6401

Re: SALT: IRS issues proposed regs for State Tax Credit for Donation

Does this mean that in the "best" scenario, the taxpayer will be able to deduct their SALT taxes up to the $10K limit and then deduct up to 15% of the excess (on the federal return)? It means that a property tax bill of $10,000 can be itemized by paying the $10,000 bill. An $11,500 property tax bil...
by passiveTiger
Thu Aug 23, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: SALT: IRS issues proposed regs for State Tax Credit for Donation
Replies: 62
Views: 6401

Re: SALT: IRS issues proposed regs for State Tax Credit for Donation

Does this mean that in the "best" scenario, the taxpayer will be able to deduct their SALT taxes up to the $10K limit and then deduct up to 15% of the excess (on the federal return)? It means that a property tax bill of $10,000 can be itemized by paying the $10,000 bill. An $11,500 property tax bil...
by passiveTiger
Thu Aug 23, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Careers
Replies: 48
Views: 3300

Re: Healthcare Careers

*Getting RN-BSN is almost a must these days, many providers are only hiring BSN-RNs and our local provider is actually mandating all RN's who do not have a BSN must obtain one in a set timeframe or lose their job (the hospital is not covering the educational costs of this). Driving Factors Behind t...
by passiveTiger
Thu Aug 23, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: SALT: IRS issues proposed regs for State Tax Credit for Donation
Replies: 62
Views: 6401

Re: SALT: IRS issues proposed regs for State Tax Credit for Donation

Aren't these exactly the same thing? So what they are saying is that state taxes have to be completed before federal? One mentions tax credit and the other tax deduction, which are two different things. If you donate $100,000 to California and receive nothing for it, that is a $100,000 federal char...
by passiveTiger
Wed Aug 22, 2018 10:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Zero ER Funds are underperforming their equivalent premium class index funds
Replies: 62
Views: 10040

Re: Fidelity Zero ER Funds are underperforming their equivalent premium class index funds

Fidelity investor here. I recall reading through all of the posts after Fidelity announced their Zero ER funds a few weeks ago. It's been about 3 weeks, so I wanted to check in and see if I should jump on the bandwagon and change my portfolio. After 3 weeks of trading here are the results: Symbol 3...
by passiveTiger
Wed Aug 22, 2018 1:47 am
Forum: Personal Finance (Not Investing)
Topic: Real estate dropping like a rock in U.K. - can the U.S. be far behind?
Replies: 68
Views: 12716

Re: Real estate dropping like a rock in U.K. - can the U.S. be far behind?

Seems like real estate prices and bidding wars in the U.S. have been as crazy as in England. Now with rising interest rates, the party seems to be over in the U.K. Is this likely to be a global phenomenon? Bad time to be buying? http://www.thisismoney.co.uk/news/article-6064685/Fears-grow-house-pri...
by passiveTiger
Wed Aug 22, 2018 1:13 am
Forum: Personal Investments
Topic: Asked my advisor about fees and here's their reply
Replies: 60
Views: 9419

Re: Asked my advisor about fees and here's their reply

John, how many funds do you have. Would you mind posting some of them along with ticker symbols? Paul Sure, heres what I see: DFTCX $47,500 DFTWX $21,500 QTMRX $18,000 DFSMX $13,700 DFTIX $13,000 BTIIX $18,000 DGEIX $11,500 DFUVX $10,600 DURPX $10,600 AMOMX $1,500 DFSVX $7800 DFSTX $6000 DFVIX $950...
by passiveTiger
Wed Aug 22, 2018 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Real estate dropping like a rock in U.K. - can the U.S. be far behind?
Replies: 68
Views: 12716

Re: Real estate dropping like a rock in U.K. - can the U.S. be far behind?

Seems like real estate prices and bidding wars in the U.S. have been as crazy as in England. Now with rising interest rates, the party seems to be over in the U.K. Is this likely to be a global phenomenon? Bad time to be buying? http://www.thisismoney.co.uk/news/article-6064685/Fears-grow-house-pri...
by passiveTiger
Tue Aug 21, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13477

Re: Excessive Emergency Room Charges - Options?

Those dollar amounts seem pretty standard for emergency room charges. I thought they sounded pretty cheap. I kept reading waiting for the excessive charges to appear. It would appear the OP has no idea what emergency care costs. You know that little ultrasound probe they used to do your ultrasound?...
by passiveTiger
Tue Aug 21, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13477

Re: Excessive Emergency Room Charges - Options?

One thing I would recommend is, before needing medical services, scout out any Urgent Care facilities in the area, hours of operation, services available, insurance options, etc. On its face, dm200's post sounds like ridiculously excessive pre-planning. What rational person should be scouting out t...
by passiveTiger
Tue Aug 21, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 11640

Re: Edward Jones rep door knocking

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 brilliant! What do you do to avoid robocallers? Nomorobo on VOIP. Hiya on wireless. Both free. Both ef...
by passiveTiger
Tue Aug 21, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 11640

Re: Edward Jones rep door knocking

For safety purposes my wife and I never answer a knock/ring at the door unless we are expecting someone and have verified through the peephole that it is that person. Unless it is a police officer in uniform and the marked car is outside. +1 There is no reason for a “surprise” visit when almost eve...
by passiveTiger
Mon Aug 20, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Is a million really the benchmark for retirement
Replies: 153
Views: 24688

Re: Is a million really the benchmark for retirement

Hello all. I see so many posts here from people with a million dollars (some by their 30s or even multi-millions before then) that I start to feel a bit sub-par and worry if I have enough. My estimates put me at $800k (assuming I keep saving at my current rate of and count on 3% a year until retire...
by passiveTiger
Mon Aug 20, 2018 5:01 am
Forum: Personal Investments
Topic: The more I learn the less I know: general checkup, lots of questions.
Replies: 19
Views: 2830

Re: The more I learn the less I know: general checkup, lots of questions.

7. General anxiety about future. Planning for the uncontrollable or unnecessary worry? I wonder what happens when all the Boomers retire and take all their money out of the market. Supply and demand: Boomers all sell, prices of funds go down, so portfolio declines, and... then what? Has anyone see ...
by passiveTiger
Mon Aug 20, 2018 4:38 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 807
Views: 91717

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Jonathan Clements' Saturday morning perspective on Fidelity's zero funds: http://www.humbledollar.com/2018/08/low-fidelity/ Clements may have hit the most important aspect of Fidelity's zero push when he pointed out that Fidelity now offers funds at a zero minimum investment. Vanguard's $3,000 mini...
by passiveTiger
Mon Aug 20, 2018 4:17 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 807
Views: 91717

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

The Fidelity ZERO funds are only available to Fidelity brokerage accounts , so everyone who wants one will have a brokerage account, and idle cash in those accounts will provide four times the return for Fidelity that it does for Vanguard. The ZERO funds are available in all retail (brokerage, cash...
by passiveTiger
Sun Aug 19, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 807
Views: 91717

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I'm sure it's addressed somewhere in this long thread, but what are the chances of VG following suit? I don't understand how they can withstand conceding the ER high ground long term. I just transferred my IRAs to VG a couple months ago and have no loyalty to it or taxable account complications in ...
by passiveTiger
Sun Aug 19, 2018 9:37 pm
Forum: Personal Investments
Topic: Help With 529 Plan
Replies: 18
Views: 2125

Re: Help With 529 Plan

Greetings All, I am looking to start a 529 for my daughter and had a few questions. I'm not going to use the regular question format because I don't believe it applies, and I hope that is okay. Any and all information would be very, very much appreciated. Questions are below: 1. Would you recommend...
by passiveTiger
Thu Aug 16, 2018 12:25 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 117419

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Using actual ten year performance data Investor A, who chose not to invest Internationally ten years ago would be a whopping $710,762.00 ahead of the investor who went the 60/40 route. I'll repeat... $710,762.00 ahead because he chose to invest simply in the US and not add an International Fund. Fo...