Search found 979 matches

by vitaflo
Sun Oct 21, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1194
Views: 99361

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

That's more than 10 years of earning nothing other than the dividend. Incredible. And the 48 back in 2008 was already down more than 20% from the high in 2007. You forgot to add "in USD". Currency fluctuations do swing international quite a bit and the dollar has been strong for a long time. The re...
by vitaflo
Sun Oct 21, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 2875

Re: Why Purchase an Automobile using Premium Gasoline?

a major reason to purchase a vehicle using premium is simple preference for a specific vehicle that may ideally require premium, but can run on regular gasoline. Stupid me, I thought that 2005 V6 Honda Accord was pretty fast, along with several policemen met on highways :happy Tim If it requires pr...
by vitaflo
Sun Oct 21, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 2875

Re: Why Purchase an Automobile using Premium Gasoline?

Automobiles using regular, unleaded gasoline typically, I think, get better mileage and have comparable torque and acceleration in my experience. That's not really true. Any performance car will have an engine the requires higher compression ratios and thus require premium fuel. For many (like thos...
by vitaflo
Sun Oct 21, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 166
Views: 13875

Re: Where would you go for financial guidance if you win the Megamillions?

“This whole idea that one has to be anonymous and disappear like a mob informant in an era when people with enormous wealth are everywhere is rather amusing. “ So true. When I inherited millions the advice here and other places was “Don’t tell anyone” but we were previously always the “poor” ones h...
by vitaflo
Mon Oct 08, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6490

Re: Market decline in 2019 ?

We're at the point that when we get a correction, people will call it a crash.
by vitaflo
Mon Oct 08, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 31
Views: 3305

Re: Garage Shelving?

I installed this type of shelving all around the garage. Two shelves high starting at 6+ feet above the floor. Some areas have multiple levels of shelving. Will support 100 pounds per linear foot as the support structures are screwed into the studs. Still happy about it 12 years later. Very neat an...
by vitaflo
Fri Oct 05, 2018 1:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7458
Views: 1559120

Re: U.S. stocks in freefall

Wasn’t the jobs report overall good? I don’t claim to understand the Fed but interest rate increases seem to be something that is expected with unemployment below 4%. Why would the market drop on a good employment figure? The market tends to be priced based on future expectations. When an event hap...
by vitaflo
Sat Sep 15, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3968

Re: Is home alarm monitoring worth it?

Watched a video recently with a convicted burglar talking about things that would deter him from breaking into homes. Things that would deter him: - Neighborhood Watch. If he was on a street where people were always around and looked suspiciously at cars they didn't know (especially true on cul-da-s...
by vitaflo
Sat Sep 15, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: The Boglehead is anti-entrepreneur?
Replies: 62
Views: 4079

Re: The Boglehead is anti-entrepreneur?

Would you advise a young person in their 20s or 30s, inclined to the entrepreneurial life, to go for it or stick to the Steady Eddie approach, and why? I'd say go for it, but I own multiple businesses and I'm fully aware there's survivorship bias in my opinion because I've been successful. Not ever...
by vitaflo
Sat Sep 15, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2489

Re: Rain Jacket recommendations and care

Honestly, around the same pricepoint they're all pretty similar. Just find the one that fits you best. This was the deciding factor for me (which is why I went with Mammut, their cuts just fit my body type best). Other thing is to check the clearance racks. Goretex can get expensive, but on clearanc...
by vitaflo
Tue Sep 11, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7512

Re: Amazon Prime - Value?

My teen is a gamer and wants to watch the Twitch tv channels. Needs Prime membership. It actually doesn't. You can watch Twitch streams for free, no need for Prime. What Prime gives you is free Twitch channel subscriptions (1 per month). Subscriptions just give you access to Twitch channel emotes a...
by vitaflo
Sun Sep 09, 2018 1:11 am
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2320

Re: Video Game Collection

Sell, but wait until around Christmas time. No, this is the worst time to sell retro games. Family members do not buy games for collectors. Collectors buy them for themselves (and during xmas all their money is going to presents for other people). The best time to sell is tax season because collect...
by vitaflo
Sat Sep 08, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2320

Re: Video Game Collection

I'm a retro video game collector (over 500 titles and 25 systems) and follow the scene pretty closely... Ah hah! I knew I'd find one of you VG collectors here on BH. :) Thanks for your post, super informative. Yes, the currently frenzy of retro titles (especially with the attention drawn to them by...
by vitaflo
Sat Sep 08, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2320

Re: Video Game Collection

I'm a retro video game collector (over 500 titles and 25 systems) and follow the scene pretty closely. You're right that retro game prices have been on the rise. Much of this has to do with Gen-Xers finally having the funds to afford the games they used to not be able to afford when they were younge...
by vitaflo
Sat Sep 08, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8555

Re: Can Sneakers go with Business Casual?

It still boggles my mind that people put up with dress codes at work. It’s such an antiquated concept.
by vitaflo
Fri Sep 07, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5759

Re: Subaru: Crosstrek or Outback?

mortfree wrote:
Fri Sep 07, 2018 8:18 pm
Do these vehicles come in AWD and FWD? Just wondering since you probably don’t need AWD.
All Subaru's (sans the BRZ) are symmetrical AWD. It's why people buy them.
by vitaflo
Fri Sep 07, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5759

Re: Subaru: Crosstrek or Outback?

Yup, test driving tomorrow. The conversation has been around size. If others have had the same conversation and made a decision and have feedback, that could be useful, I suspect. I had (somewhat) similar requirements as you. Needed to handle my city driving (and parking) and be a good cruiser for ...
by vitaflo
Fri Sep 07, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5759

Re: Subaru: Crosstrek or Outback?

Pretty sure you already answered your own question. If you do city driving and don't care about speed, then Crosstrek all the way. Outback is a huge car. Crosstrek is small and dog slow.

Not sure why you aren't looking at the Forester though. IMO it's the best of both worlds.
by vitaflo
Wed Sep 05, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18538

Re: How to Retire in Your 30's with $1 Million in the Bank

As someone who will FIRE in the next 5 years, let me point some things out: 1 - healthcare. After quitting, I will set up my ROTH pipeline and control my income. That way I can qualify for the most beneficial ACA subsidies. Those are not going anywhere anytime soon. Yeah, people with higher incomes...
by vitaflo
Wed Sep 05, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6846

Re: Walmart is not Amazon

Wait until people find out that Amazon is selling a lot of counterfeit merchandise, even if you choose "Ships and sold by Amazon". It's become a *huge* problem. Amazon takes all 3rd party merchandise and mixes it with their own merchandise. So while something is "Shipped and sold by Amazon" it could...
by vitaflo
Mon Sep 03, 2018 11:10 pm
Forum: Investing - Theory, News & General
Topic: Playing with Callan's periodic tables of investment returns
Replies: 81
Views: 6830

Re: Playing with Callan's periodic tables of investment returns

One thing I'm not a fan of in these tables is it doesn't show scale. For example in the chart in the OP, the difference between Highest and Lowest in 1998 is 47%. The difference in 2017 is only 16%. But the table makes it looks like these differences are similar because it's just laid out high to lo...
by vitaflo
Thu Aug 23, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8721

Re: $65K Fun Daily Driver

- The reason why I want to get rid of the Mazdaspeed3 is because as a daily driver, I'm "tired" of driving stick every day. A high HP 4 door sedan with a good automatic transmission is something I'm looking for to get best of both worlds. Easy comfortable cruiser when stuck in traffic/taking long t...
by vitaflo
Thu Aug 23, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8721

Re: $65K Fun Daily Driver

- The reason why I want to get rid of the Mazdaspeed3 is because as a daily driver, I'm "tired" of driving stick every day. A high HP 4 door sedan with a good automatic transmission is something I'm looking for to get best of both worlds. Easy comfortable cruiser when stuck in traffic/taking long t...
by vitaflo
Thu Aug 23, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8721

Re: $65K Fun Daily Driver

- The reason why I want to get rid of the Mazdaspeed3 is because as a daily driver, I'm "tired" of driving stick every day. A high HP 4 door sedan with a good automatic transmission is something I'm looking for to get best of both worlds. Easy comfortable cruiser when stuck in traffic/taking long t...
by vitaflo
Thu Aug 23, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 8816

Re: Edward Jones rep door knocking

FBN2014, You can move to a gated community to curtail such visits. Or just put up a "No Soliciting" sign, which is good for keeping away a variety of such folk. I actually went out and bought one. Spouse: "You are NOT putting that ugly thing on our door". And then you also have the problem that som...
by vitaflo
Thu Aug 23, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Company Stock - % in portfolio
Replies: 42
Views: 3849

Re: Company Stock - % in portfolio

By the way, the rule of thumb is to limit ownership in company stock to 10% of your net worth. Let's just say for the sake of fun, you recently signed on to work part-time with one of the big technology companies and already had 10% of your portfolio in that company's stock due to share price appre...
by vitaflo
Wed Aug 22, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: "By not having a will, Aretha Franklin likely left her heirs with lots of headaches"
Replies: 31
Views: 2561

Re: "By not having a will, Aretha Franklin likely left her heirs with lots of headaches"

Every adult should have a will. I see no upside to avoiding it. What if you don't know who you want your assets to go to? This has always been my issue, which is why I haven't bothered with it unfortunately. You really only have two choices here. One, you decide where they go. Two, someone else wil...
by vitaflo
Wed Aug 22, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: "By not having a will, Aretha Franklin likely left her heirs with lots of headaches"
Replies: 31
Views: 2561

Re: "By not having a will, Aretha Franklin likely left her heirs with lots of headaches"

JoeRetire wrote:
Wed Aug 22, 2018 4:41 pm
Every adult should have a will. I see no upside to avoiding it.
What if you don't know who you want your assets to go to? This has always been my issue, which is why I haven't bothered with it unfortunately.
by vitaflo
Wed Aug 22, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good time to invest as stock market is all time high?
Replies: 46
Views: 4931

Re: Is this a good time to invest as stock market is all time high?

tryingtoberich wrote:
Wed Aug 22, 2018 11:30 am
I have around $50,000 lying in CD (2.5%) ... Although returns are low in CD at least I am guaranteed to not loose any
If inflation is 3% then you are guaranteed to lose money. Real returns matter.
by vitaflo
Wed Aug 22, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12453

Re: Good Non-Boring Boglehead Cars Under $30k

My understanding is that the VW GTI has gearing that isn't very aggressive. 1st gear red lines at 40 MPH. Yes, you can get to 70 in 2nd gear in the GTI. It's not fun if you like rowing gears, but it makes the car faster (because shifting loses power). This is why the Miata is so fun. You can row ge...
by vitaflo
Wed Aug 22, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12453

Re: Good Non-Boring Boglehead Cars Under $30k

VW GTI as in the Golf? I test drive the TDI a few years ago and liked it. Which version do you recommend? Assume I want a manual. How quiet are they? The SE trim of the GTI is best bang for buck IMO. Top Autobahn trim only adds extra electronics stuff. SE trim has mechanical stuff the base S trim d...
by vitaflo
Wed Aug 22, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12453

Re: Good Non-Boring Boglehead Cars Under $30k

The correct answer to "most fun" is the Miata. Nobody makes a competitor to it. But it's also the most impractical. "Most fun + most practical" to me would be a GTI. I drove almost all the "fun" cars under $30k when I was searching for my new car this year and that's where I ended up. Note this is f...
by vitaflo
Wed Aug 22, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12453

Re: Good Non-Boring Boglehead Cars Under $30k

WhiteMaxima wrote:
Tue Aug 21, 2018 4:02 pm
German cars are generally reliable and fun to drive. But cost of repair is high. Better to purchase extend warranty.
VW now has a 6 year, 72,000 mile bumper to bumper warranty (thanks dieselgate!). It was the deciding factor in me purchasing my new GTI.
by vitaflo
Tue Aug 21, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Help with web development contract
Replies: 8
Views: 576

Re: Help with web development contract

For those specific things, look up "Work Made for Hire clause". You're not going to list the items you care about separately, you're going to want a more general "the work the contractor does is confidential and all work is owned by the client". That said you're going to want a lot more in a contrac...
by vitaflo
Sun Aug 19, 2018 6:08 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13907

Re: Remind me (again) how real estate isn't a GREAT investment?

Real estate investing isn't much different than starting your own business. You leverage to juice returns and put the proceeds back into the biz to generate more revenue and of course you take all the risk to do so. Comparing this to investing in index funds is a little silly. The risk profiles are ...
by vitaflo
Fri Aug 17, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1194
Views: 99361

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

This graph and article from The Economist on market capitalization and GDP sums up nicely is why I'll never take on single country risk and bets and haven't done so for decades. With broad diversification including ex-US equity I've met and exceeded all my financial goals for accumulation and am re...
by vitaflo
Fri Aug 17, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 3917

Re: Best (most practical, low cost) Luggage for Airline Travel

Travelpro. Great bags at a reasonable price. Lots of flight crews use them. ^ This. I travel alot on business and I'd say the vast majority of pilots and flight attendants I see in airports are toting Travelpro bags. Thirded. I bought them for this reason. Outstanding quality for the price.
by vitaflo
Thu Aug 16, 2018 5:49 pm
Forum: Investing - Theory, News & General
Topic: How to Underperform the Market
Replies: 48
Views: 4996

Re: How to Underperform the Market

If you invest in a market index fund with a high expense ratio you are guaranteed to underperform the market.

Edit: I missed your “before costs” rule. Still it’s good to remind the people how much cost matters.
by vitaflo
Thu Aug 16, 2018 5:38 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1194
Views: 99361

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

I believe that the SWR for a 30 year period using a 50/50 stock/bond split for global market cap weighted equities was actually around 3.5%. It was certainly higher than 2.2% unless you excluded the U.S. It was 2.2% in Japan . Remember, global cap weight does not produce similar returns for every c...
by vitaflo
Thu Aug 16, 2018 5:27 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1194
Views: 99361

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

One must ask how the rest of the world's stocks would perform if the U.S. did a repeat of Japan. That's a matter of conjecture, but I doubt that most believe that a 20% allocation to international stocks would 'save the day'. A while back someone posted research of safe withdrawal rates of differen...
by vitaflo
Thu Aug 16, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1194
Views: 99361

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

I blame Japan for much of the underperformance of the last 30 years. Its market cap was higher than the US in 1989, dominating the international portfolio and it has gone nowhere since then. The Japan example is exactly why I invest in international. Putting 100% of your risk into one country only ...
by vitaflo
Wed Aug 15, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: OK, maybe Vanguard's website IS a little old... "56K dial-up..."
Replies: 19
Views: 2381

Re: OK, maybe Vanguard's website IS a little old... "56K dial-up..."

I would guess that that particular message hasn't been reviewed or updated in a while. I don't want to be too much of a digital snob and assume that the whole world upgraded to DSL in 2000 just because that's when I did, but... show of hands. Is anyone reading this using a 56K dial-up modem? It's o...
by vitaflo
Tue Aug 14, 2018 6:13 pm
Forum: Investing - Theory, News & General
Topic: Importance of sequence of real returns for SWR, CAPE valuation, and Luck
Replies: 95
Views: 4340

Re: Importance of sequence of real returns for SWR, CAPE valuation, and Luck

This is why the CAPE model appears to be broken. It's been above its mean 98% of the time for the past 26 years. And it's not like it didn't have chances to revert. We had two stock crashes in that time period, one of which was nearly a full-out financial panic. Even during that, it barely crossed ...
by vitaflo
Sun Aug 12, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: House Value & Mortgage as a Percentage of Net Worth
Replies: 83
Views: 6258

Re: House Value & Mortgage as a Percentage of Net Worth

I think these are the wrong questions to ask. The questions I asked when I bought our house(s) was: - Are you saving at least 20% in tax-advantaged and taxable accounts? - Do you have a 12 month emergency fund? - Will the above still be true after you buy the house given all the costs involved? If ...
by vitaflo
Sun Aug 12, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: House Value & Mortgage as a Percentage of Net Worth
Replies: 83
Views: 6258

Re: House Value & Mortgage as a Percentage of Net Worth

I think these are the wrong questions to ask. The questions I asked when I bought our house(s) was: - Are you saving at least 20% in tax-advantaged and taxable accounts? - Do you have a 12 month emergency fund? - Will the above still be true after you buy the house given all the costs involved? If y...
by vitaflo
Fri Aug 10, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage....risk?
Replies: 14
Views: 1159

Re: Paying off mortgage....risk?

Even if the house is destroyed by, say, an earthquake and you don’t have insurance, the land still has value. It wouldn’t be a complete loss.

At least when these same crazy ideas ran through my head that helped me sleep at night as our land is 1/3 of our total property value.
by vitaflo
Wed Aug 08, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 7339

Re: When is leaving your job that pays well a good idea?

My question to you older folks with more life experience: should I keep grinding in my situation for longer towards an early retirement, or look to move on sooner rather than later? My experience is that the longer you wait the harder it is going to be to change. It's much easier to make life chang...
by vitaflo
Wed Aug 08, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Would buy and hold work if Japan's lost decade happens?
Replies: 64
Views: 7895

Re: Would buy and hold work if Japan's lost decade happens?

For example, from June 1988 to June 2018 (30 years), the inflation adjusted annual (real) return (in yen, so no currency changes affecting it) was 0.045% per year. So basically no growth. If you had been taking out 4% a year for a 30 year retirement, you would be out of money. There was a link in a...
by vitaflo
Wed Aug 08, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: If it were March, 2000, would you still allocate 50% to Stocks?
Replies: 94
Views: 4759

Re: If it were March, 2000, would you still allocate 50% to Stocks?

You can choose to ignore this fact, and continue to invest in the SP500 in 2018, but I fear history will not be your friend. People said this 5 years ago on these very boards and lived to regret it. You're also ignoring the fact that PE10 doesn't have the same meaning as it did in the past because ...
by vitaflo
Tue Aug 07, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 505
Views: 113350

Re: Anyone regret paying off mortgage early?

I want to see the people with no regrets run the math on how much it cost them:) In my case I made about 700k by taking on a mortgage instead of paying cash for a house in 2010. That brings in retirement by 5-10 years. I find it hard to believe people will not have some regrets at having to work ti...