Search found 260 matches

by BionicBillWalsh
Sat Aug 01, 2020 7:08 pm
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9266

Re: Paying cash for a new car... should I let them run my credit?

Buy a Tesla online. You can pay without any of the dealer BS.
by BionicBillWalsh
Thu Jul 16, 2020 4:10 pm
Forum: Personal Consumer Issues
Topic: Who switched my windshield wiper arms?
Replies: 69
Views: 8703

Re: Who switched my windshield wiper arms?

Were there any zip ties on the door handle?
by BionicBillWalsh
Sat Jul 11, 2020 1:49 pm
Forum: Personal Consumer Issues
Topic: Advice on a more livable place
Replies: 145
Views: 12130

Re: Advice on a more livable place

Can’t beat Hawai’i.
The best weather on the planet, year round.
A true multicultural melting pot.
A great place to raise a child.

Real estate is expensive but you could find what you’re looking for with your budget.
by BionicBillWalsh
Sat Jun 20, 2020 6:31 pm
Forum: Personal Consumer Issues
Topic: What kind of sunglasses?
Replies: 107
Views: 6489

Re: What kind of sunglasses?

Maui Jim. No contest. Get their super thin glass lenses though. All the polycarbonate lens types will eventually scratch and cause deteriorating optics. The glass lenses are very durable and if your frames or lenses ever fail, you can send them in for repair for a modest price. If you live in Peoria...
by BionicBillWalsh
Sun May 31, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 324645

Re: Best watch for around $5,000?

You don't see a lot of 75 year old Rolexes floating around. I love the story.
by BionicBillWalsh
Sun May 31, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 324645

Re: A Rolex Watch Story

Bogleheads: In 1945, at the end of the war in Europe, I was sent to Switzerland to represent the 101st Airborne Division in a United States Army swimming meet. I had received back-pay so I had a considerable amount of money to spend (I never thought about saving). I wanted to send something to my M...
by BionicBillWalsh
Sun May 31, 2020 1:34 pm
Forum: Personal Investments
Topic: Favorite initial investor Vanguard mutual index fund; VTSAX
Replies: 34
Views: 2537

Re: "10 Reasons I Don't Like Vanguard's Total Stock Market Index Fund"

Just curious about investors favorite initial and go to index fund!! Online search reveals VTSAX as the winner at least as per the assets. Please share thoughts and educate a newbie. NitaaiDoc: Not everyone prefers VTSAX (Vanguard Total Stock Market Index Fund). Many advisors will not recommend Tot...
by BionicBillWalsh
Wed May 20, 2020 12:13 am
Forum: Personal Consumer Issues
Topic: Reel Grass Mower
Replies: 36
Views: 1979

Re: Reel Grass Mower

Don't do it. If you have a postage stamp yard that is completely flat with grass that doesn't grow much, and you're training for an Ironman triathlon...then you can consider a reel mower. Otherwise don't do it. Trust me. I hope my ex-reel mower is burning in hell. If I could find it, I'd melt it do...
by BionicBillWalsh
Tue May 19, 2020 3:34 am
Forum: Personal Finance (Not Investing)
Topic: Opinion on Relocating from IL to FL Central Gulf Coast Condo
Replies: 46
Views: 3534

Re: Opinion on Relocating from IL to FL Condo

If you can get rid of that property in Illinois, do it. Yesterday. The State is in dire financial shape with nothing but pain to be experienced in the future. Your property tax (and others) is about to go up and businesses and people that can move will leave. Those left behind are going to bear the ...
by BionicBillWalsh
Mon May 18, 2020 5:46 pm
Forum: Personal Consumer Issues
Topic: Reel Grass Mower
Replies: 36
Views: 1979

Re: Reel Grass Mower

Don't do it. If you have a postage stamp yard that is completely flat with grass that doesn't grow much, and you're training for an Ironman triathlon...then you can consider a reel mower. Otherwise don't do it. Trust me. I hope my ex-reel mower is burning in hell. If I could find it, I'd melt it do...
by BionicBillWalsh
Mon May 18, 2020 1:00 pm
Forum: Personal Consumer Issues
Topic: Reel Grass Mower
Replies: 36
Views: 1979

Re: Reel Grass Mower

Don't do it. If you have a postage stamp yard that is completely flat with grass that doesn't grow much, and you're training for an Ironman triathlon...then you can consider a reel mower. Otherwise don't do it. Trust me. I hope my ex-reel mower is burning in hell. If I could find it, I'd melt it dow...
by BionicBillWalsh
Sun May 17, 2020 1:52 pm
Forum: Investing - Theory, News & General
Topic: Big changes to S&P 500?
Replies: 24
Views: 2517

Re: Big changes to S&P 500?

what others if any? 1 Allegion (Ireland) 2 Amcor (UK) 3 Aon (UK) 4 Aptiv (Ireland) 5 Chubb (Switzerland) 6 Eaton (Ireland) 7 Everest Re Group (Bermuda) 8 Garmin (Switzerland) 9 IHS Markit (UK) 10 Johnson Controls (Ireland) 11 Linde (UK) 12 LyondellBasell (Netherlands) 13 Medtronic (Ireland) 14 Myla...
by BionicBillWalsh
Sun May 17, 2020 1:36 pm
Forum: Investing - Theory, News & General
Topic: Big changes to S&P 500?
Replies: 24
Views: 2517

Re: Big changes to S&P 500?

arcticpineapplecorp. wrote:
Sun May 17, 2020 1:28 pm

what others if any?
I see quite a few listed in Ireland for obvious tax reasons. Another in the Netherlands.
https://en.wikipedia.org/wiki/List_of_S ... _companies
by BionicBillWalsh
Sun May 17, 2020 12:57 pm
Forum: Investing - Theory, News & General
Topic: Big changes to S&P 500?
Replies: 24
Views: 2517

Re: Big changes to S&P 500?

1) It's always worth understanding things. It's worth understanding that the S&P 500 was created, and remains, a human choice of "leading companies in leading industries;" that when it was created in 1957 few cared about small-caps; that it is predominantly large-caps but it does not simply hold th...
by BionicBillWalsh
Sat May 16, 2020 1:31 pm
Forum: Personal Investments
Topic: Still using total bond market?
Replies: 153
Views: 19308

Re: Still using total bond market?

Nowizard wrote:
Sat May 16, 2020 12:45 pm
we have decided that when confusion is the greatest, the smartest thing to do is nothing.
I love this advice and agree wholeheartedly.
by BionicBillWalsh
Tue May 12, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: Regret Concept 2 Model D purchase
Replies: 24
Views: 2679

Re: Regret Concept 2 Model D purchase

I’ve had mine for about 10 yrs. It looks as good now as when I unboxed it and that’s with intermittent moderate use. Recently, the quarantine has rekindled my love affair with it. I don’t think I’ve ever done a single piece of maintenance on it and it just keeps on ticking. The return on investment ...
by BionicBillWalsh
Tue May 12, 2020 3:17 am
Forum: Personal Finance (Not Investing)
Topic: Amex platinum card - $20 streaming and wireless provider credit
Replies: 38
Views: 3346

Re: Amex platinum card - $20 streaming and wireless provider credit

If you follow the link it goes over the details. So it looks like you get a total of $20 dollars off for cellular service. Not per line. It has to be Verizon, ATT, Sprint, or T-Mobile. The other service providers are not listed. Additionally, you can get up to $20 dollars off of streaming service li...
by BionicBillWalsh
Mon May 11, 2020 2:12 pm
Forum: Personal Consumer Issues
Topic: Apple Airpods
Replies: 30
Views: 1998

Re: Apple Airpods

I've had my regular Airpods now for almost two years. I love them more and more everyday. My wife has the AirPods Pro. She does feel that they were more comfortable than the original Airpods. I like the fact that I can wear the regular Airpods and still have conversations on the beach and/or not get...
by BionicBillWalsh
Tue May 05, 2020 2:01 am
Forum: Investing - Theory, News & General
Topic: All my friends are outperforming index funds
Replies: 122
Views: 11515

Re: All my friends are outperforming index funds

Most of my friends that go to Vegas tell me they won at the Casino. I know statistically that's impossible. The house always wins. Or maybe that's just when the house plays against me. Stocks purchased 3 months ago (February 4th) would have been generally near all time highs. If they're up from that...
by BionicBillWalsh
Mon May 04, 2020 9:25 am
Forum: Investing - Theory, News & General
Topic: When to sell low? Buffett sells entire airline stake
Replies: 81
Views: 11806

Re: When to sell low? Buffett sells entire airline stake

If this market ends up losing 60 or 70% of its value, and Warren is holding ~ 140 billion in cash, we’ll see if he’s lost his touch. What separates Buffett from the rest of the short term crack monkeys on the street (and many in this forum) is his patience, his very large arsenal, and his absolute s...
by BionicBillWalsh
Sat May 02, 2020 9:23 pm
Forum: Personal Consumer Issues
Topic: Powdered Soy Milk
Replies: 39
Views: 2246

Re: Powdered Soy Milk

I find oat milk to be quite good. Most of the other milk alternatives haven’t appealed to me.
by BionicBillWalsh
Sat May 02, 2020 9:11 pm
Forum: Investing - Theory, News & General
Topic: When to sell low? Buffett sells entire airline stake
Replies: 81
Views: 11806

Re: When to sell low? Buffett sells entire airline stake

https://www.google.com/amp/s/www.cnbc.com/amp/2020/05/02/warren-buffett-says-berkshire-sold-its-entire-position-in-airlines-because-of-the-coronavirus.html I take Jack Bogle's advice to buy and hold forever quite seriously. In your investment plan, are there any situations in which you would sell c...
by BionicBillWalsh
Sat May 02, 2020 8:54 pm
Forum: Investing - Theory, News & General
Topic: When to sell low? Buffett sells entire airline stake
Replies: 81
Views: 11806

Re: When to sell low? Buffett sells entire airline stake

The only surprise here is that he ever bought airline stocks to begin with. His 2002 interview quote: “If a capitalist had been present at Kitty Hawk back in the early 1900s, he should have shot Orville Wright. He would have saved his progeny money. But seriously, the airline business has been extra...
by BionicBillWalsh
Sat May 02, 2020 7:52 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 42595

Re: Why international?

I wish we could get a little past this debate. I respect Mr. Larimore a ton. When I first joined this forum I asked the usual first timer questions, he chimed in on a few of them and was spot on. I believe his 3-fund portfolio is really the standard. I think for an average Joe, it really is all I n...
by BionicBillWalsh
Sat May 02, 2020 5:08 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 42595

Re: Why international?

I wish we could get a little past this debate. I respect Mr. Larimore a ton. When I first joined this forum I asked the usual first timer questions, he chimed in on a few of them and was spot on. I believe his 3-fund portfolio is really the standard. I think for an average Joe, it really is all I n...
by BionicBillWalsh
Sat May 02, 2020 4:47 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16804

Re: Neighbor’s contractor wants to access our property

As others have said, the contractor asking you to be liable for providing a safe working environment is absolutely ludicrous. The contractor/neighbor should instead be offering you money for access and buying appropriate insurance that covers you completely. I would deny access, put up no trespassi...
by BionicBillWalsh
Sat May 02, 2020 4:15 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway is hammered
Replies: 60
Views: 11988

Re: Berkshire Hathaway is hammered

Mardoc01 wrote:
Sat May 02, 2020 4:13 pm
Watching the meeting. Does his voice seem strange ?
Not much different than usual but he is not quite as spry as in the past.

May just be a lack of energy from speaking to an empty room. And of course not having Charlie downing bags of peanut brittle during Warren's soliloquies.
by BionicBillWalsh
Sat May 02, 2020 2:20 pm
Forum: Investing - Theory, News & General
Topic: ??? Thomas Stanley - Stop Acting Rich book
Replies: 121
Views: 13478

Re: ??? Thomas Stanley - Stop Acting Rich book

The entire premise of this book is baffling to me. Is it lifestyle advice for physicians to emulate farmers. Is is proscriptive for younglings to become farmers if their life goal is to achieve a million dollars? Is it a financial book? Is it a self-help book? Is it designed to part those lavish spe...
by BionicBillWalsh
Sat May 02, 2020 1:49 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16804

Re: Neighbor’s contractor wants to access our property

I think your neighbor needs a different contractor. The form given to you smacks of completely unrealistic and unprofessional expectation. This person and their crew have no business conducting operations near your home. I'd print this thread and show it to your neighbor as a good opening for agreem...
by BionicBillWalsh
Thu Apr 30, 2020 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 4802

Re: 529: Your favorite low cost one?

Illinois Bright Start has:

VTSAX; 0.10 ER
VFNIX; 0.10 ER
VBTLX; 0.11 ER

Have a whole host of other Vanguard options as well.
by BionicBillWalsh
Wed Apr 29, 2020 3:42 am
Forum: Investing - Theory, News & General
Topic: Dividend cuts
Replies: 9
Views: 951

Re: Dividend cuts

Que1999 wrote:
Wed Apr 29, 2020 2:25 am
I always thought Dividends were the 'free lunch' in investing?....

No wait, that was Diversification, the other "D". :beer
Unless that diversification is international...then it’s either the grand dog of dogs...or a really great up and coming neighborhood.
by BionicBillWalsh
Fri Apr 24, 2020 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: physician/APC pay cuts
Replies: 133
Views: 10253

Re: physician/APC pay cuts

This Covid crisis is certainly unmasking the good organizations from the bad ones. As always, is easy to be a good sport when you're winning. True character is often exposed by adversity. The ever-increasing number of physicians that have chosen to work in an employed model for stability and predict...
by BionicBillWalsh
Thu Apr 23, 2020 1:53 am
Forum: Personal Finance (Not Investing)
Topic: physician/APC pay cuts
Replies: 133
Views: 10253

Re: physician/APC pay cuts

The climate for many health care organizations is verging on Armageddon but you are ultimately the talent. Hospitals and "medium sized healthcare organization(s)" don't treat patients. Doctors do. Make those administrators and middle management earn their money. They are in place to deal with crisis...
by BionicBillWalsh
Tue Apr 21, 2020 6:03 pm
Forum: Personal Consumer Issues
Topic: Air Purifier
Replies: 23
Views: 1324

Re: Air Purifier

The IQ air health pro plus is the best portable unit, I used to be a dealer/ installer for their whole house air cleaner ( the Perfect 16) and I had to buy a particle counter to verify that the system was making the air 10 times cleaner which it always did. When I would test the health pro plus the...
by BionicBillWalsh
Mon Apr 20, 2020 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Advice - Anesthesiologist threatening collections
Replies: 59
Views: 6029

Re: Advice - Anesthesiologist threatening collections

I can't fathom why anyone would need an anesthesiologist to provide the light sedation required for a routine colonoscopy or upper GI for that matter. A little relaxation agent from the gastroenterologist and their medical staff should suffice for the vast majority of individuals requiring this pro...
by BionicBillWalsh
Mon Apr 20, 2020 11:06 am
Forum: Investing - Theory, News & General
Topic: Renaissance Says Quant Models Misfired During March Mayhem
Replies: 56
Views: 4933

Re: Renaissance Says Quant Models Misfired During March Mayhem

I just read a book about these guys. My old neighbor works for them. He moved to a bigger house on the water last year. Very secretive. Supposedly they are in an argument with the feds about taxes....a $1B+ tax liability. Their returns and overall secrecy would lead most people to believe... .if it...
by BionicBillWalsh
Mon Apr 20, 2020 10:58 am
Forum: Investing - Theory, News & General
Topic: Munger/Buffett on riding out the storm
Replies: 76
Views: 10709

Re: Munger/Buffett on riding out the storm

Buffett and Munger are shrewd businessmen. I find interviews with them interesting, but always assume they are using the interview to their advantage (much like politicians). I never take their words or demeanor at face value. They possess an artistry in their actions that is every bit comparable t...
by BionicBillWalsh
Mon Apr 20, 2020 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Advice - Anesthesiologist threatening collections
Replies: 59
Views: 6029

Re: Advice - Anesthesiologist threatening collections

I can't fathom why anyone would need an anesthesiologist to provide the light sedation required for a routine colonoscopy or upper GI for that matter. A little relaxation agent from the gastroenterologist and their medical staff should suffice for the vast majority of individuals requiring this pro...
by BionicBillWalsh
Sun Apr 19, 2020 2:28 pm
Forum: Investing - Theory, News & General
Topic: Munger/Buffett on riding out the storm
Replies: 76
Views: 10709

Re: Munger/Buffett on riding out the storm

Charlie made a comment in the WSJ article that was the buried lead. "I don't think we know exactly what the macroeconomic consequences are going to be. I do think, sooner or later, we'll have an economy back, which will be a moderate economy. It's quite possible that never again-not again in a long...
by BionicBillWalsh
Sun Apr 19, 2020 10:37 am
Forum: Investing - Theory, News & General
Topic: Munger/Buffett on riding out the storm
Replies: 76
Views: 10709

Re: Munger/Buffett on riding out the storm

Charlie made a comment in the WSJ article that was the buried lead. "I don't think we know exactly what the macroeconomic consequences are going to be. I do think, sooner or later, we'll have an economy back, which will be a moderate economy. It's quite possible that never again-not again in a long...
by BionicBillWalsh
Wed Apr 15, 2020 10:41 pm
Forum: Personal Investments
Topic: Get a dubious investment shop to be investigated
Replies: 8
Views: 950

Re: Get a dubious investment shop to be investigated

I don't think even Bernie Madoff took 25% off the top.

This guy is brazen.

https://www.sec.gov/oiea/Complaint.html
by BionicBillWalsh
Wed Apr 15, 2020 10:33 pm
Forum: Investing - Theory, News & General
Topic: whos' just about had it w/ SCV ?
Replies: 263
Views: 16766

Re: whos' just about had it w/ SCV ?

White Coat Investor gave one of the best summaries of SCV tilt investing when he wrote: " But the bottom line is that SCV tilt is a life long commitment." That is a great summary of the decision to invest in SCV. The other factor difficult to comprehend is life itself. If you live long enough you w...
by BionicBillWalsh
Wed Apr 15, 2020 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Advice - Anesthesiologist threatening collections
Replies: 59
Views: 6029

Re: Advice - Anesthesiologist threatening collections

I can't fathom why anyone would need an anesthesiologist to provide the light sedation required for a routine colonoscopy or upper GI for that matter. A little relaxation agent from the gastroenterologist and their medical staff should suffice for the vast majority of individuals requiring this proc...
by BionicBillWalsh
Sun Apr 05, 2020 9:24 am
Forum: Personal Consumer Issues
Topic: What Amazon Prime (free) movies y'd recommend ?
Replies: 78
Views: 6791

Re: What Amazon (free) movies y'd recommend ?

The Dawn Wall (Netflix) Great choice! If you like the Dawn Wall, try "Meru" on Amazon Prime about a team of climbers attempting to summit the shark's fin on Mount Meru in the himalayas. Can't decide if the storytelling of "Dawn Wall" or the sheer intensity of "Free Solo" (on Hulu) is better, but th...
by BionicBillWalsh
Sun Apr 05, 2020 9:22 am
Forum: Investing - Theory, News & General
Topic: Where Would We Be If [there were no stock buybacks?]
Replies: 23
Views: 1934

Re: Where Would We Be If [there were no stock buybacks?]

Anything that increases my ownership without me lifting a finger is fine by me. Especially when there are no tax implications involved. If a CEO and board feel that is the best use of their capital...who am I to question that?
by BionicBillWalsh
Fri Apr 03, 2020 10:46 pm
Forum: Personal Investments
Topic: Do you want to own the whole haystack [VTI] when someone has a blowtorch?
Replies: 136
Views: 11513

Re: Do you want to own the whole haystack [VTI] when someone has a blowtorch?

The haystack is damp right now while its raining. It’s just gonna smolder a little and then when the sun comes out, it’s going to be glorious again. It’ll be shaped a little differently, but the mass will still be the same.
by BionicBillWalsh
Tue Mar 31, 2020 9:24 pm
Forum: Investing - Theory, News & General
Topic: "The lessons of Vanguard’s Jack Bogle have helped countless investors — but his picks could be improved"
Replies: 17
Views: 2069

Re: "The lessons of Vanguard’s Jack Bogle have helped countless investors — but his picks could be improved"

It is blasphemy masked as a puff piece to Bogle. Bingo. I have learned a huge amount on the Bogleheads site and from the books and other resources that have flowed from the discussions. I am incredibly grateful to all of those who have played a role in its development. My view of " Bogleheadism ", ...
by BionicBillWalsh
Tue Mar 31, 2020 8:06 pm
Forum: Investing - Theory, News & General
Topic: "The lessons of Vanguard’s Jack Bogle have helped countless investors — but his picks could be improved"
Replies: 17
Views: 2069

Re: "The lessons of Vanguard’s Jack Bogle have helped countless investors — but his picks could be improved"

I'm not sure the point of Merriman's article. It seems like an "I'm great by association" sort of piece that adds nothing other than complexity to an individual investor's portfolio. For him to say that Jack would agree with him that his returns would be superior is so laughable that I'm actually q...
by BionicBillWalsh
Tue Mar 31, 2020 7:42 pm
Forum: Investing - Theory, News & General
Topic: "The lessons of Vanguard’s Jack Bogle have helped countless investors — but his picks could be improved"
Replies: 17
Views: 2069

Re: "The lessons of Vanguard’s Jack Bogle have helped countless investors — but his picks could be improved"

I'm not sure the point of Merriman's article. It seems like an "I'm great by association" sort of piece that adds nothing other than complexity to an individual investor's portfolio. For him to say that Jack would agree with him that his returns would be superior is so laughable that I'm actually qu...
by BionicBillWalsh
Tue Mar 31, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: Finance (premed) or Psychology (premed)
Replies: 7
Views: 618

Re: Finance (premed) or Psychology (premed)

If her major doesn't matter and she's planning to go to medical school, a good liberal arts college may be the most high yield for her. If med school is aspirational, and not something she's actually going to pursue, then she should absolutely do something that will make her employable post college....