Search found 27 matches

by xzhou
Thu Sep 21, 2017 3:48 pm
Forum: Investing - Theory, News & General
Topic: [Poll] Bull or Bear for Next 5 Years?
Replies: 36
Views: 10379

Re: [Poll] Bull or Bear for Next 5 Years?

This is a fun exercise. Let's do it again!
by xzhou
Mon Jun 19, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 3928

Re: Need WIFI repeater or second router Advice

For a one-story house, a mirror placed behind the WiFi router can increase signal strength in the line of sight tremendously. The signal easily penetrates one interior wall, but not two walls or large furnitures.
by xzhou
Sun Jun 11, 2017 8:43 pm
Forum: Forum Issues and Administration
Topic: Longest conversation thread?
Replies: 6
Views: 1883

Re: Longest conversation thread?

CABob wrote:Taylor's Three-Fund thread
jjface wrote: Us stocks in freefall
Emotion trounces logic :beer
by xzhou
Sun Nov 13, 2016 10:38 pm
Forum: Personal Consumer Issues
Topic: Vanguard Swag ?
Replies: 23
Views: 5249

Re: Vanguard Swag ?

Sigh, another data point confirming that "Vanguard is not good at IT" stereotype.
by xzhou
Sun Nov 13, 2016 9:07 pm
Forum: Personal Consumer Issues
Topic: Vanguard Swag ?
Replies: 23
Views: 5249

Re: Vanguard Swag ?

Hello everyone, is the vanguardgear.com site down for good or is it just me? -Xin
by xzhou
Wed Nov 12, 2014 12:16 am
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 12305

Re: Life purpose revisited

Some people define happiness as a Vanguard coffee mug.
Victoria
Thanks for the tip! I just placed my order for a mug ($7) and a Tee ($8) at Vanguard online store. That's "more than good enough" for me.-Xin
by xzhou
Sun Nov 02, 2014 6:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 44
Views: 7848

Re: Livesoft - Thank you

Shall we go back to the poll and update it?
Who is your favorite poster!?
Somehow I see two rows for Taylor. Don't know if it is a glitch of forum software.
by xzhou
Sat Sep 20, 2014 1:10 pm
Forum: Investing - Theory, News & General
Topic: Alibaba is NOT coming to an index near you
Replies: 38
Views: 6787

Re: Alibaba is NOT coming to an index near you

If someone is fully and truly convinced that BABA will go down, wouldn't that someone in reality start building a massive short position or buying put options on it? Folks, this is a huge opportunity to make real money off the contempt of the communists, while teaching those naive capitalists on wal...
by xzhou
Thu Sep 11, 2014 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover 401(k) to existing or new Rollover IRA Account
Replies: 3
Views: 360

Re: Rollover 401(k) to existing or new Rollover IRA Account

FWIW, here is my own experience. I rolled multiple 401ks from my previous employers into a single Rollover IRA at Fido over the years. And I recently folded the pretax portion in it to my current 401k as part of the backdoor roth conversion maneuver. All without any problem.
by xzhou
Fri Jul 18, 2014 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: (TIPS) Treasury Inflation Protected Securities
Replies: 3
Views: 1601

Re: TIPS In Bond Portfolio?

I split my bond allocation in 401(k) evenly between tips and total bond index. My thinking is that this will protect against both inflation and deflation, or equivalently, suffer 50% in both environment. Since I have decided to believe that bond is for safety and not for growth, I find this even spl...
by xzhou
Sat Jun 28, 2014 8:17 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 14800

Re: Bernstein: Don’t Bother With Intnational Bonds

In 2001 Argentina defaulted on their bonds, they are still arguing about it in court - here it is 13 years later. As much debt has the US issues, it has never defaulted on its debt, though the past is not indicative of future performance, having a 200 year plus track record helps...... :) One defau...
by xzhou
Mon Jun 16, 2014 12:03 pm
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 10109

Re: What octane gas do you use to fill your car?

That's a fluke. Higher octane, in a car designed for 87, actually will give you worse fuel efficiency, with no additional power. Octane rating is just resistant to pre-mature detonation. Higher octane fuels allow for higher compression ratios. If your car doesn't have that higher compression ratio,...
by xzhou
Mon Jun 16, 2014 12:36 am
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 10109

What octane gas do you use to fill your car?

I drive a Lexus ES 330 as a commute car everyday, and usually fill it with 87 gas, which gives me close to 24 mpg. Last time when I filled it, I accidentally picked up a 91 pump. I am now pleasantly surprised by a 28 mpg reading. The price difference is 10%, but the mpg improvement is better than 15...
by xzhou
Thu May 22, 2014 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Vanguard
Replies: 75
Views: 11646

Re: Fidelity vs. Vanguard

... I would put Schwab into the same mix. Some 15 years ago, we had IRA opened at Schwab because they advertised no-fee-whatsoever, except that after <1 year they changed policy to charge $50 maintenance for low balance accounts. We promptly yanked our $2000 out of Schwab and paid the $50 account c...
by xzhou
Thu May 22, 2014 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Vanguard
Replies: 75
Views: 11646

Re: Fidelity vs. Vanguard

We have money at both places. Started at Fidelity because of workplace 401(k), but opened Vanguard account for their international funds. FSTVX and FSEVX at Fidelity are very competitively priced, but VEMAX and VTIAX are lower cost for sure. VCAIX is also a good place for Californians. Regarding cus...
by xzhou
Sat Jan 25, 2014 10:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 32647

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy 90th Birthday Taylor, and we will mass-congratulate you at a bigger scale at your 100th!
by xzhou
Thu Jan 09, 2014 8:37 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross's investment outlook 2014
Replies: 8
Views: 1963

Re: Bill Gross's investment outlook 2014

larryswedroe wrote:why does anyone care what Gross forecasts. ....
As Niels Bohr said, "Prediction is very difficult, especially about the future."
by xzhou
Sat Feb 09, 2013 2:59 pm
Forum: Investing - Theory, News & General
Topic: Taleb and Kahneman: Antifragility vs. common-man attitudes
Replies: 147
Views: 15506

Re: Taleb and Kahneman: Antifragility vs. common-man attitud

Thank you VictoriaF for posting such scintillating ideas. This is one of the best reasons I can use to justify my hours browsing the web :D
by xzhou
Sun Feb 03, 2013 2:47 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs Turbotax in the box
Replies: 31
Views: 4904

Re: Turbotax Online vs Turbotax in the box

We bought the Premier version from Costco before we saw this discount deal from Vanguard.com. Our tax situation is pretty straightforward, one state, no business. Has somebody here thoroughly compared the options, and come to an unambiguous conclusion about which is cheaper, online vs installed soft...
by xzhou
Fri Feb 01, 2013 1:48 am
Forum: Personal Finance (Not Investing)
Topic: Should I take the full-time offer? Results!
Replies: 43
Views: 5103

Re: Should I take the full-time offer?

DualIncomeNoDebt wrote:Decline and counter-offer, and state this isn't what you agreed to. Stick to your guns.

I have a strong sense it will gnaw at you morning, noon and night if you agree to this shotgun offer.
Exactly. The consequence of accepting this shotgun offer will also include even less respect from that boss.
by xzhou
Fri Aug 10, 2012 11:15 pm
Forum: Investing - Theory, News & General
Topic: Your Best One Line of Wisdom
Replies: 238
Views: 19778

Re: Your Best One Line of Wisdom

Atilla wrote:People are idiots.
Me included.
by xzhou
Fri Oct 14, 2011 11:54 pm
Forum: Personal Consumer Issues
Topic: 2 Weeks in China (Beijing + Hong Kong): What Should I Know?
Replies: 29
Views: 2132

Be aware of cars

Drivers don't wait for pedestrians.
by xzhou
Fri Sep 16, 2011 12:05 am
Forum: Investing - Theory, News & General
Topic: "Know Just Enough to Succeed"
Replies: 8
Views: 2229

It takes a lot of wisdom to accept that one is not smarter than others. We can be quite sure that most people are confident that they are at least a little smarter than the average.
by xzhou
Mon Aug 30, 2010 2:26 am
Forum: Investing - Theory, News & General
Topic: Fidelity Personal Rate of Return
Replies: 30
Views: 21991

What is your number for Personal Rate of Return?

I was pleasantly surprised to see this feature at Fidelity, because I had always wanted to find out if I was beating some benchmark or not. For example, my 5-Year (08/01/2005 - 07/31/2010) is +7.14%. This number looks much better than the balance chart on the right, because I had to withdraw a large...
by xzhou
Thu Dec 20, 2007 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Another reason Roth 401(k) is better for savers
Replies: 1
Views: 890

Another reason Roth 401(k) is better for savers

Our company offers both traditional and Roth 401(k), so a few colleagues among us had a debate today regarding which option to use. In a steady state example below, Roth 401(k) is better than traditional 401(k) for the aggressive savers with high salaried income. Suppose we have a flat tax rate 1/3,...
by xzhou
Mon May 28, 2007 1:37 am
Forum: Investing - Help with Personal Investments
Topic: States with the lowest expense ratio (no income tax states)
Replies: 46
Views: 17978

The state government has to finance its operation one way or the other, income tax just being one source of revenue. The net burden on the state residents must be inversely proportional to the overall efficiency of the government. So I think that for retirees to pick a place for tax reasons, two fac...