Search found 33532 matches

by Valuethinker
Thu Feb 22, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 61
Views: 6098

Re: $12,000 Refrigerator? [Looking in $7k price range]

yep, a quick look over at the CR website has their "recommended" pick of standard fridges starting at $1500 (depending on design) the top-rated "recommended" built-ins are closer to $9000. so my answer is "design the kitchen to use standard appliances" - NO built-ins. The vast majority of the popul...
by Valuethinker
Thu Feb 22, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 61
Views: 6098

Re: $12,000 Refrigerator? [Looking in $7k price range]

I think people comparing it to expensive cars hit the nail on the head. You get some advanced features, over-engineering, premium materials, prestige and looks. Don't ignore life cycle costs. What will the fridge(s) cost you over a lifetime of use? How many cheaply made throwaway fridges will you n...
by Valuethinker
Thu Feb 22, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: European Expat – seeking feedback on Portfolio allocation
Replies: 12
Views: 439

Re: European Expat – seeking feedback on Portfolio allocation

Thanks all for your feedback. I think I will go with below to start with and then just see how it goes after a few years. 70% EQUITIES VWRD - iShares Core MSCI World UCITS ETF USD -USD (TER 0.20) 60% VERX - Vanguard FTSE Developed Europe ex UK UCITS ETF- GBP (TER 0.12) 10% 30% FIXED INCOME IBTA - i...
by Valuethinker
Thu Feb 22, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: European Expat – seeking feedback on Portfolio allocation
Replies: 12
Views: 439

Re: European Expat – seeking feedback on Portfolio allocation

Hi Bogleheads, One last question I have, which is bothering me for a while. As initially stated, since I worked in Australia, Singapore, Germany and now Middle east I still have cash in AUD, SGD, EUR and AED (=USD) and I also don't know where I will retire (might be Europe, but don't really know). ...
by Valuethinker
Thu Feb 22, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: European Expat – seeking feedback on Portfolio allocation
Replies: 12
Views: 439

Re: European Expat – seeking feedback on Portfolio allocation

Dear Bogleheads, I am fairly new to this forum and I am seeking your valued feedback on my portfolio proposal. I am 38 years old, originally from Germany, however have lived for past 8 years in Australia, then Singapore and now in the UAE. I am not sure if I will go back to Europe (Germany) for ret...
by Valuethinker
Thu Feb 22, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 25
Views: 1100

Re: Recessed 4 inch LEDs: Recommended brands

I've seen such lights overheat and cause problems: flickering because they got too hot, then failure. I'm open to suggestions for alternatives. I had read that LEDs gave off less heat than alternatives. That is true, but other types of lights can withstand the heat. Generally LEDs are on a bathtub ...
by Valuethinker
Thu Feb 22, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 25
Views: 1100

Re: Recessed 4 inch LEDs: Recommended brands

onourway wrote:
Thu Feb 22, 2018 6:12 am
We retrofit our entire house several years ago with LED. Mostly we ended up with Philips brand after trying and returning many others.
I have had the best experience with Philips brand.
by Valuethinker
Wed Feb 21, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: $20,000 question - Galapagos or Serengeti safari ?
Replies: 9
Views: 851

Re: $20,000 question - Galapagos or Serengeti safari ?

I am also planning a trip to both of these places and have to say it is a tough call. It is more of a preference than anything else. Keep in mind getting to any African country will be long, expensive with minimal direct flights and layovers. So with African safaris your biggest expense will likely...
by Valuethinker
Wed Feb 21, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: $20,000 question - Galapagos or Serengeti safari ?
Replies: 9
Views: 851

Re: $20,000 question - Galapagos or Serengeti safari ?

Bogleheads, need your expert opinions - family wants to go see wild animals in 2019. Family gets what family wants. Both trips roughly cost out to be the same all in for our family size. Did research on the top tours available at both places - not seeking luxury - but more utilitarian and value for...
by Valuethinker
Wed Feb 21, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 3494

Re: Mixing fuel octanes for cars

wriley4409 wrote:
Wed Feb 21, 2018 11:54 am
The higher octane fuel allowed for running a higher boost pressure.

http://www.spitfireperformance.com/ap1590b.jpg
Thank you.
by Valuethinker
Wed Feb 21, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: J. Montier: US equity market is obscenely overvalued
Replies: 33
Views: 3113

Re: J. Montier: US equity market is obscenely overvalued

Based on this ZeroHedge article from summer 2015: "This is definitely the most difficult time to be an asset allocator," warns GMO's James Montier, telling conference attendees in Munich that he hasn't been this risk-averse since 2008. Having warned six months ago that "stocks are hideously expensi...
by Valuethinker
Wed Feb 21, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Thinking about selling GE to invest in an index fund
Replies: 19
Views: 1863

Re: Thinking about selling GE to invest in an index fund

GE currently makes up about 2% of my portfolio. It has been a bit painful to watch it plummet recently. I am thinking about selling it and reinvesting the money in VTI. Most of my portfolio is made up of broad based index funds. My question is, am I falling for a common investor mistake by wanting ...
by Valuethinker
Wed Feb 21, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: House rewiring - cost of copper
Replies: 29
Views: 1894

Re: House rewiring - cost of copper

If I wasn't in a big hurry, I would thoroughly research smart circuits and home automation, sound, entertainment, video, security, outdoor lighting, data cabling AND wireless options before embarking on a house rewire. The best practice is to go wireless? The problem is that wired technologies go o...
by Valuethinker
Wed Feb 21, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 61
Views: 6098

Re: $12,000 Refrigerator? [Looking in $7k price range]

:oops: The big cost driver is whether the fridge is built in or not. We remodeled our kitchen in 2001 including a built in Kitchen Aid fridge (has cabinets all around). Our 17 year old fridge is now on the Fritz. Replacement Kitchen Aid that fits in the same space is $7k...about the cost of one yea...
by Valuethinker
Wed Feb 21, 2018 4:32 am
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 51
Views: 4347

Re: Will REIT funds ever see another drawdown like 2008?

Ha! I have posted in other recent REIT threads what I think about REITs nowadays. I will buy VNQ at some point in the future, but not now. In the meantime, I will invest the money earmarked for VNQ into Total US Stock Market Index fund. OK, thanks! I just can't resist a "bargain"... I'll wait for y...
by Valuethinker
Wed Feb 21, 2018 4:22 am
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 3494

Re: Mixing fuel octanes for cars

Fuel with more energy, as in 91 or 93 octane compared to 87 or 89 octane, contains more energy and required less fuel to create the same explosive energy inside the cylinder. You are close to being correct, but octane has nothing to do with energy content. A higher octane rating means that the fuel...
by Valuethinker
Wed Feb 21, 2018 4:18 am
Forum: Personal Finance (Not Investing)
Topic: Need help - first major career choice (fed. gov.)
Replies: 39
Views: 2451

Re: Need help - first major career choice (fed. gov.)

I work for the federal government and am very happy with it. I think most of the pros have been mentioned. One con that I haven't seen mentioned, though, is that federal employees are something of a punching bag for certain political interests. It can be demoralizing to read every week about some p...
by Valuethinker
Tue Feb 20, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 51
Views: 4347

Re: Will REIT funds ever see another drawdown like 2008?

Okay, so we know there were some serious issues with the real estate market in 2008. VGSIX, Vanguard REIT Index Investor, was down 68.3% in 2008! That means, if you purchased at the top, your savings went down to 31.7% of their initial value! To recoup your loss, you needed to make a return of 215%...
by Valuethinker
Tue Feb 20, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 639

Re: Price of home heating oil vs gasoline?

I just paid $3.75 a gallon for home heating oil and about $2.45 a gallon for gasoline. Gasoline is taxed more than home heating oild and I thought that the gasoline required more refining. Shouldn't home heating oil be less expensive than gasoline? It looks like you are a victim of the earlier very...
by Valuethinker
Tue Feb 20, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 3494

Re: Mixing fuel octanes for cars

Thanks everyone for the feedback and insights. Going forward I'll probably stick to fueling up with 93 in most situations (Costco & Valero) mainly due to ease, small delta in cost and not contributing to the long lines at peak times at Costco. If I'm at a station that charges a higher premium (Shel...
by Valuethinker
Mon Feb 19, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Is it "cute" to invest in sector funds?
Replies: 23
Views: 1456

Re: Is it "cute" to invest in sector funds?

Can someone explain how vanguard healthcare fund returned like 16% a year since inception for 33 yrs with less volatility and drawdowns of sp500? What’s the catch here? Admittedly, my best investment has been vti, along with aapl. If you had known that healthcare would grow from c. 3-4% of US GDP t...
by Valuethinker
Mon Feb 19, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: Yields Spreads and the Economy
Replies: 8
Views: 863

Re: Yields Spreads and the Economy

Fears of inflation are not just based on the Fed. Oil prices have risen 50% since I filled my basement oil tank at the end of this past August. Crude was a $40/a barrel while it is now over $60. I paid 50% more for my last heating oil fill. Gas prices haven't risen as fast, but probably will as ref...
by Valuethinker
Mon Feb 19, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Oil-to-gas conversion burner (not entire boiler/furnace)?
Replies: 4
Views: 332

Re: Oil-to-gas conversion burner (not entire boiler/furnace)?

https://energy.gov/energysaver/home-heating-systems/furnaces-and-boilers https://www.eia.gov/energyexplained/index.cfm?page=about_energy_conversion_calculator https://portfoliomanager.energystar.gov/pdf/reference/Thermal%20Conversions.pdf You can take your current fuel oil bill and figure out what i...
by Valuethinker
Mon Feb 19, 2018 5:20 am
Forum: Personal Consumer Issues
Topic: Oil-to-gas conversion burner (not entire boiler/furnace)?
Replies: 4
Views: 332

Re: Oil-to-gas conversion burner (not entire boiler/furnace)?

I'm wondering if anyone here has installed an oil-to-natural gas conversion burner on a furnace and, if so, what the cost and results were. Please note, I'm referring to converting just the burner part of a boiler, which I've seen described as an inexpensive if less efficient way to switch from hom...
by Valuethinker
Mon Feb 19, 2018 5:13 am
Forum: Personal Consumer Issues
Topic: Vancouver Vacation (Canada)
Replies: 18
Views: 1281

Re: Vancouver Vacation (Canada)

Ooops, kids all under 6? You can cover Vancouver in one day: Go to the Aquarium. Done. There are also playgrounds in/near Stanley Park where the aquarium is located. Haha, after doing my google research these looked like winners. Along with Granville Market, and probably a day trip or 2 out somewhe...
by Valuethinker
Mon Feb 19, 2018 5:10 am
Forum: Personal Consumer Issues
Topic: Vancouver Vacation (Canada)
Replies: 18
Views: 1281

Re: Vancouver Vacation (Canada)

If you go to Vancouver Island high tea at the Empress is nice as are Butchart Gardens. If you can get up to Campbell River for running the “fjords” that is incredible I don't think I'd recommend high tea at the Empress with three children under the age of 6! :shock: I really enjoyed the British Col...
by Valuethinker
Mon Feb 19, 2018 5:06 am
Forum: Investing - Help with Personal Investments
Topic: Expected return of US vs International, basic question
Replies: 26
Views: 1375

Re: Expected return of US vs International, basic question

The higher valuation of the US market now, and the excellent performance of the US market particularly since the financial crash, is to a significant extent the function of the success of US tech companies in that period. In particular, the FAANGs -FB Apple Amazon Netflix Google/ Alphabet. I have s...
by Valuethinker
Sun Feb 18, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 2664

Re: Selling Timber

Bwlonge wrote:
Sat Feb 17, 2018 4:05 pm
Maybe I'll buy a timber ETF.

https://www.ishares.com/us/products/239 ... restry-etf

I've thought about owning a Christmas tree farm. I should look into that again.
If you go back a few years, we discussed the options for investing in Timber stocks in great detail.
by Valuethinker
Sun Feb 18, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Speculating on natural disaster players/sectors
Replies: 6
Views: 360

Re: Speculating on natural disaster players/sectors

I know this isn't a bogleheads thing.. but given predictions of worsening climate change and natural disasters, is anybody throwing 5-10% into sector funds or companies that stand to gain? Timber (WOOD) has outperformed the total market in this run up, maybe due to demand for all the rebuilding hav...
by Valuethinker
Sun Feb 18, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Expected return of US vs International, basic question
Replies: 26
Views: 1375

Re: Expected return of US vs International, basic question

Oh, and by the way, Emerging Markets Index is at 16.3 PE and 11.1% earnings growth rate. So both cheaper and faster growing than the US. But perceived risk is higher too. How much discount does one need to take the higher risk? It's the weighting in China in that, and in particular Tencent and Alib...
by Valuethinker
Sun Feb 18, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Expected return of US vs International, basic question
Replies: 26
Views: 1375

Re: Expected return of US vs International, basic question

I have read on this forum and elsewhere that international is expected to outperform the US over the next decade. If that were true, why wouldn't people sell their US stocks and buy international? Shouldn't that happen, which would increase the price of foreign stocks and decrease the price of US s...
by Valuethinker
Sun Feb 18, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: The Emerging Markets "lost decade" is over
Replies: 73
Views: 10512

Re: The Emerging Markets "lost decade" is over

My current portfolio. DOMESTIC LARGE CAP: 18.96% DOMESTIC SMALL CAP: 11.25% DEVELOPED EX-US LARGE CAP: 10.3% DEVELOPED EX-US SMALL CAP: 13.02% EMERGING/FRONTIER: 15.81% HEALTHCARE: 14.89% INTERNET: 9.94% Just gonna sit back and watch this baby run for the next 40 years. Might want to rethink the in...
by Valuethinker
Sun Feb 18, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 61
Views: 6098

Re: $12,000 Refrigerator?

For a high end built-in refrigerator I'd go with Subzero, Miele, Thermador, or Bosch (most built in models of the last 3 brands are built on the same assembly line in Turkey). Interesting. What's the company that builds them in Turkey? Like Foxconn in China for phones? Bosch is a separate company f...
by Valuethinker
Sun Feb 18, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 10661

Re: I'm Cancelling My Home Insurance

not saying OP feels this way, but from so many posts on insurance, i get the feeling people generally think that insurance is a rip off. its my understanding that with commodity insurance, such as home, auto, life, the rates are incredibly competitive. there is a low barrier to entry in the commodi...
by Valuethinker
Sun Feb 18, 2018 7:43 am
Forum: Investing - Help with Personal Investments
Topic: To buy or not to buy in Boston for Investment
Replies: 18
Views: 1516

Re: To buy or not to buy in Boston for Investment

Hello: Married couple with a good salary and maxed out all our retirement, started a post tax account with 2K a month as well as putting money for kids in 529. Have a primary mortgage which is less than 10% of our take home salary. We decided to look for a nice second home/ investment. We have foun...
by Valuethinker
Sun Feb 18, 2018 7:42 am
Forum: Investing - Help with Personal Investments
Topic: To buy or not to buy in Boston for Investment
Replies: 18
Views: 1516

Re: To buy or not to buy in Boston for Investment

The Globe says that Metro population increase (driving recent price increases) is decelerating. https://www.bostonglobe.com/business/2017/03/29/greater-boston-population-growth-cooling/I7nxTrtp05fdpS1UtRuwpL/story.html I grew up there, still have family there, and frankly don't see it as an appeali...
by Valuethinker
Sun Feb 18, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Vancouver Vacation (Canada)
Replies: 18
Views: 1281

Re: Vancouver Vacation (Canada)

Taking a family vacation to Vancouver Canada this summer. Anyone had good fun ideas for things to do for a family of 5? Kids all younger than 6. We will be staying on the north side of the city near Capilano Lake and will have a rental car for transportation. Looking for recommended restaurants, da...
by Valuethinker
Sun Feb 18, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Vancouver Vacation (Canada)
Replies: 18
Views: 1281

Re: Vancouver Vacation (Canada)

Stanley Park, Vancouver Aquarium inside the Stanley park Grouse Mountain, The UBC anthropology mueseum. It’s a pretty small mueseum. Granville Island Gastown, avoid the nearby downtown eastside, unless you want to witness a drug deal going on. There are many very high quality Asian restaurants in V...
by Valuethinker
Sun Feb 18, 2018 6:27 am
Forum: Investing - Theory, News & General
Topic: Yields Spreads and the Economy
Replies: 8
Views: 863

Re: Yields Spreads and the Economy

Anyone follow this trend? Like the yield curve inversion, the "spread" (difference in yield) between US treasuries and non-Investment grade corporations can be an indicator (leading?) of the economy. I am not sure how well this works globally; I am only familiar with the U.S. in this regard. In cas...
by Valuethinker
Sat Feb 17, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: What is the most the stock market has ever been down in 5 year period?
Replies: 19
Views: 2979

Re: What is the most the stock market has ever been down in 5 year period?

-100% for some smaller modern economies, and major historical nations. Thankfully, stock risk is bounded at - 100% so limits investor risk. WW1 and WW2 periods were over - 70% for many major European countries. Japan in 1980s, Argentina since 1900, a range of emerging market economies. Anyone looki...
by Valuethinker
Sat Feb 17, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Short treasuries or short term bond index fund?
Replies: 13
Views: 850

Re: Short treasuries or short term bond index fund?

Hello all, Given the fact that the fed is going to raise interest rates through the year, I'm trying to figure out for my short term bond allocation in my portfolio, why I wouldn't just hold short term t-bills in my vanguard account rather than holding a short term bond index fund like VSCSX or VFS...
by Valuethinker
Sat Feb 17, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: World Travelers: What's the local economy look like?
Replies: 10
Views: 1054

Re: World Travelers: What's the local economy look like?

For many funds, financial institutions, and wealthy individuals, the perception is that the world’s financial centers are the places to be. After all, world-class cities like New York, London, and Hong Kong will never go out of style, and their extremely robust and high-density city centers limit t...
by Valuethinker
Sat Feb 17, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 2664

Re: Selling Timber

I am absolutely fascinated by this thread (and I suppose I shouldn't be surprised that there are experts on this forum who know the answers). I would love to get some insight from others who have done this before. It has always been a fantasy of mine to buy a large remote plot of land, with a small...
by Valuethinker
Sat Feb 17, 2018 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Really need an advice: sell the house or rent it out
Replies: 40
Views: 2157

Re: Really need an advice: sell the house or rent it out

If this is an investment/ money decision then sell. The hassles of home ownership especially in a different metropolitan area are significant. The only reason to hold onto the property is you expect to return to Metro DC area, like the location, and are afraid you will not have financial capital to ...
by Valuethinker
Fri Feb 16, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: World Travelers: What's the local economy look like?
Replies: 10
Views: 1054

Re: World Travelers: What's the local economy look like?

World travelers; what are you seeing regarding the local economy where you are? Are you seeing new construction, help wanted signs, etc? We recently returned from Panama City - on the way to the airport I saw eight high-rise cranes in one small section of the city. A three-bedroom condo costs appro...
by Valuethinker
Fri Feb 16, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: World Travelers: What's the local economy look like?
Replies: 10
Views: 1054

Re: World Travelers: What's the local economy look like?

London UK housing prices are down at least 10% since their peak in 2016. Luxury developments marketed to foreign buyers (particularly Far Eastern) e.g. around the new US Embassy in Battersea, have done particularly poorly. Housing prices in commuter towns (which are actually still affordable for fir...
by Valuethinker
Fri Feb 16, 2018 5:33 pm
Forum: Investing - Theory, News & General
Topic: How Inflation Works (NYT)
Replies: 21
Views: 2174

Re: How Inflation Works (NYT)

How Inflation Works -- or Why Your Chicken Is Going to Cost More https://www.nytimes.com/interactive/2018/02/14/business/economy/inflation-prices.html Very nice explanation - clear examples. Its not an academic whitepaper - its an article that is very understandable. My eyes did not gloss over - a ...
by Valuethinker
Fri Feb 16, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: How Inflation Works (NYT)
Replies: 21
Views: 2174

Re: How Inflation Works (NYT)

I skimmed the article, while much is true it really ignores the monetary underpinnings of inflation. Ultimately inflation is a monetary phenomenon of more money chasing the same amount of goods and services. Most of those things don’t happen unless combined with an expansionary money supply. Howeve...
by Valuethinker
Fri Feb 16, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 194
Views: 23222

Re: Buying and Spending Bitcoin

What little real-world exposure to cryptocurrencies there has been in the form of Bitcoin "ATMs" has been to Bitcoin. They don't AFAIK dispense Ether or Dogecoin. FALSE . Please perform a simple Google search on this topic. Lightning Network is as centralized and trust-based as PayPal. FALSE . Plea...