Search found 81 matches

by DWesterb2iz2
Sun Oct 28, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4769

Re: What Memberships/Subscriptions Are Most Valuable To You?

Economist (with digital and audio, just renewed on sale for $99!) Where did you find this deal?! (Does it include print?) Marylander1 Here is the offer I got and used. I don’t know if it’s still valid: https://www.magazinedeals.com/magazines/subscription/the-economist-magazine-printdigital-magazine...
by DWesterb2iz2
Sat Oct 27, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: Vangaurd Personal Advisory Services - Do they provide AA and TLH advise based outside accounts?
Replies: 9
Views: 766

Re: Vangaurd Personal Advisory Services - Do they provide advise based outside accounts?

We use the PAS for one big account. They don’t do tax loss harvesting. They don’t know or care what my other outside investments are. The PAS is not a financial planner, just an advisor for that account. Since your outside accounts will change, the advisor would have to continually monitor them to k...
by DWesterb2iz2
Sat Oct 27, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4769

Re: What Memberships/Subscriptions Are Most Valuable To You?

In no particular order: Costco Public library Financial Times Economist (with digital and audio, just renewed on sale for $99!) Overcast (podcast app is free but so good and important to me I pay the $10 optional fee) Lyric Opera of Chicago Art Institute of Chicago Calyx Institute’s Unlimited digita...
by DWesterb2iz2
Fri Oct 26, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Seeking temporary health insurance in Chicago
Replies: 17
Views: 963

Re: Seeking temporary health insurance in Chicago

There are around 3 companies on the ACA exchange in Chicago. I believe BCBS, Celtic and Ambetter. When I looked at short term policies, I didn't recognize any of the company names. I don’t think BCBS has policies on the exchange for Chicago. They might. However, NO individual policy sold in IL, on ...
by DWesterb2iz2
Fri Oct 26, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Seeking temporary health insurance in Chicago
Replies: 17
Views: 963

Re: Seeking temporary health insurance in Chicago

There are around 3 companies on the ACA exchange in Chicago. I believe BCBS, Celtic and Ambetter. When I looked at short term policies, I didn't recognize any of the company names. I don’t think BCBS has policies on the exchange for Chicago. They might. However, NO individual policy sold in IL, on ...
by DWesterb2iz2
Thu Oct 25, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: Seeking temporary health insurance in Chicago
Replies: 17
Views: 963

Re: Seeking temporary health insurance in Chicago

There are around 3 companies on the ACA exchange in Chicago. I believe BCBS, Celtic and Ambetter. When I looked at short term policies, I didn't recognize any of the company names. I don’t think BCBS has policies on the exchange for Chicago. They might. However, NO individual policy sold in IL, on ...
by DWesterb2iz2
Thu Oct 25, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Seeking temporary health insurance in Chicago
Replies: 17
Views: 963

Re: Seeking temporary health insurance in Chicago

I remember one tactic brought up on this forum was to enroll in a class at your local community college and use the student insurance. It's usually comparatively cheap, since the risk pool is better, I imagine. I've never used this idea, but always thought it might be useful if I found myself witho...
by DWesterb2iz2
Fri Sep 28, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Warren Buffet Portfolio Critique
Replies: 56
Views: 4581

Re: Warren Buffet Portfolio Critique

I’ve posted here that a wealthy guy told me he advises “two years’ expenses in cash and the rest in the S&P 500”. It’s what he does, he says. Here’s that discussion:

viewtopic.php?f=10&t=247287
by DWesterb2iz2
Tue Sep 18, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25509

Re: What is your single most expensive mistake?

This discussion and podcast on sunk costs is more helpful to me than regret. Make what you will of it.

http://ritholtz.com/2018/09/ignore-sunk-costs/
by DWesterb2iz2
Thu Aug 30, 2018 5:02 am
Forum: Investing - Theory, News & General
Topic: Wow! Just discovered "Portfolio Visualizer".
Replies: 26
Views: 8811

Re: Wow! Just discovered "Portfolio Visualizer".

I’m a backtesting genius. If anyone ever needs a portfolio that used to perform really well, I’m your man.
by DWesterb2iz2
Wed Aug 29, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?
Replies: 22
Views: 2020

Re: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?

Jmh04j wrote:
Wed Aug 29, 2018 9:57 am
That is correct. One could supplement by adding the other Schwab International ETFs to replicate VXUS; however, the performance is pretty similar so I only invest in SCHF for my international allocation at Schwab in an effort to “Keep It Simple”
Thank you!
by DWesterb2iz2
Wed Aug 29, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?
Replies: 22
Views: 2020

Re: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?

Schwab international, SCHF, is not “total” international, though, is it? It’s a developed market fund, I think. Ok to treat it like VXUS?
by DWesterb2iz2
Mon Aug 27, 2018 5:14 pm
Forum: Investing - Theory, News & General
Topic: Article on the small value premium
Replies: 3
Views: 576

Article on the small value premium

From Verdad Weekly Research. Make what you will of it. Link below. Conclusion: “There is robust support for the small value premium. That premium has been replicated through the experience of private equity, and the relative valuation of small value to the rest of the market is in a range that has h...
by DWesterb2iz2
Sat Aug 18, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: How to Underperform the Market
Replies: 48
Views: 5034

Re: How to Underperform the Market

Good podcast about avoiding investments that rely on predicting the future, because “The future is unknowable.” You’ll hear this a lot in the link below. It’s actually Todd Tresidder reading a chapter he wrote for the new Meb Faber anthology, and he reads it very very quickly. Somehow the speed of t...
by DWesterb2iz2
Sat Aug 18, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Better Behavioural Finance Books?
Replies: 17
Views: 1374

Re: Better Behavioural Finance Books?

Delete, Wrong thread
by DWesterb2iz2
Thu Aug 16, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 112
Views: 9276

Re: Why the Yale Endowment Hate?

I think the AA in the OP is much higher in US equites than the Yale Endowment. From Financial Samuri quoting Yale, on its AA: Today, domestic marketable securities account for approximately 10% of the portfolio, while foreign equity, private equity, absolute return strategies, and real assets repres...
by DWesterb2iz2
Sun Jul 15, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10956

Re: Peloton spin bike worth the high cost?

For what it’s worth, there are articles on recreating the Peleton experience on the cheap. Here is one: https://boingboing.net/2017/04/05/diy-peloton-for-introverts.html I did this and its great - love the classes and love not having to pay the $2000 for the bike Great! I’ve been thinking about doi...
by DWesterb2iz2
Sun Jul 15, 2018 9:49 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 3064

Re: Financial Newspapers & Publications

I really like the The Economist , used to have a subscription, but way too pricey today, considering the wealth of quality writing available on the 'net for free. I like The Economist and don't mind the price. My problem is that when I was receiving it, I could not stop reading it, and it was takin...
by DWesterb2iz2
Sun Jul 15, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 3064

Re: Financial Newspapers & Publications

02nz wrote:
Wed Jun 27, 2018 8:58 pm
The Financial Times, IMHO the best newspaper out there.
The FT is running a huge sale this month too.

https://tinyurl.com/y73hzbn4
by DWesterb2iz2
Mon Jul 09, 2018 5:15 am
Forum: Investing - Theory, News & General
Topic: Where do you read financial news?
Replies: 44
Views: 5272

Re: Where do you read financial news?

I posted earlier in this thread that I’d let the board know if the Financial Times went on sale again. It’s having a big sale this month (July). If you live in their delivery zone, you can get the hard copy on your doorstep and ePaper online 6 days per week for under $100 per year. The digital subsc...
by DWesterb2iz2
Fri Jul 06, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: A week in Montreal in August, advice/suggestions?
Replies: 14
Views: 846

Re: A week in Montreal in August, advice/suggestions?

I have not been in a while, but used to go a lot. Highly recommend staying at the school for hoteliers on St. Denis. Great place to stay. Reasonable price and best breakfast ever. https://www.ithq.qc.ca/en/hotel/ Eat one meal at L’Expess up the street. Might be my favorite restaurant in North Americ...
by DWesterb2iz2
Wed Jul 04, 2018 4:42 am
Forum: Investing - Help with Personal Investments
Topic: Why not go 100% stocks?
Replies: 127
Views: 15287

Re: Why not go 100% stocks?

These is an analogous situation described on The White Coat Investor blog. There is a great post there about 150 great, simple portfolios that I keep book marked. The first portfolio is this: Portfolio 1: The S&P 500 Portfolio 100% Vanguard S&P 500 Index Fund Don’t laugh. I know a very successful tw...
by DWesterb2iz2
Thu Jun 28, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 4280

Best way to clean eyeglasses?

How do you get your glasses clean an keep them clean? Any tips appreciated. Thanks!
by DWesterb2iz2
Wed Jun 13, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Does anyone use Imperfect Produce?
Replies: 9
Views: 1236

Does anyone use Imperfect Produce?

Has anyone here subscribed to Imperfect Produce and if you have, has it been a good experience? Do you save money with it?
Thanks in advance.

https://www.imperfectproduce.com
by DWesterb2iz2
Mon Jun 11, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 5798

Re: Rowing machine motivation

A trainer once told me: “The difference between a dream and a goal is that a goal has a date.”

Make a goal, use metrics (distance, time, etc) and give yourself a reasonable date to reach it. Then make another goal.
by DWesterb2iz2
Mon May 28, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: 3 days in Boston with an 8 year old
Replies: 32
Views: 2572

Re: 3 days in Boston with an 8 year old

A whale watch. It’s what you will all remember from your trip, forever.

http://www.neaq.org/exhibits/whale-watch/
by DWesterb2iz2
Mon May 28, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10956

Re: Peloton spin bike worth the high cost?

For what it’s worth, there are articles on recreating the Peleton experience on the cheap. Here is one:
https://boingboing.net/2017/04/05/diy-p ... verts.html
by DWesterb2iz2
Mon May 21, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Blackrock lowered fees for ESG index ETFs
Replies: 3
Views: 500

Blackrock lowered fees for ESG index ETFs

In case there are ESG Bogleheads: Blackrock has dropped the fees of their basic ESG index funds. A Three Fund ESG portfolio, 60/40, comes in at under .20.

http://www.etf.com/sections/features-an ... nopaging=1
by DWesterb2iz2
Wed May 16, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Audiobooks and the Overdrive App
Replies: 19
Views: 1974

Re: Audiobooks and the Overdrive App

One more library app to check out: kanopy. It seems to be a classic and Independent movie streaming site. I have three library cards and only the smallest library participated in this service. I have signed up but not used it yet.
https://www.kanopy.com
by DWesterb2iz2
Sun May 13, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Audiobooks and the Overdrive App
Replies: 19
Views: 1974

Re: Audiobooks and the Overdrive App

Hmmmm ... I've subscribed to Audible for years - the range of books there is fantastic, and I cherish my subscription. It's well worth $15/m. for one credit (one book a month). And, Audible has daily specials in the $3-4 range, and I usually buy one of these a month, on average. I wouldn't give up ...
by DWesterb2iz2
Sun May 13, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Audiobooks and the Overdrive App
Replies: 19
Views: 1974

Audiobooks and the Overdrive App

Lots of you probably know this, but the Overdrive App allows you to listen to audio books that are available to participating libraries that you have a library card for. Here is the app: https://app.overdrive.com The way it works is that libraries contract with Overdrive to offer streaming and downl...
by DWesterb2iz2
Sat May 05, 2018 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Is it worth it to dissolve this inherited annuity?
Replies: 33
Views: 2705

Re: Is it worth it to dissolve this inherited annuity?

When I switched my mom over to Vanguard from the advisor she had had for 8 years, the folks at VG advised leaving her variable annuity (Prudential) as it was, because it likely would cost money to switch. That was just a ballpark estimate. After the penalty period had lapsed (the 10 year mark), we c...
by DWesterb2iz2
Thu May 03, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 9534

Re: Bucket List Adventures/Activities

A whale watch. I've only ever been on the ones off the coast of Massachusetts. Seeing humpback whales is just amazing. When people are in Boston and ask me what to do, if it's in season, I always say get down to the Aquarium and get on a boat for a whale watch.
by DWesterb2iz2
Thu May 03, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Health insurance for a couple living in 10-12 cities in the US
Replies: 14
Views: 1488

Re: Health insurance for a couple living in 10-12 cities in the US

Thanks everyone. This was incredibly helpful. In talking it over we may undertake our adventure as spokes from a main home hub, rather than leap from place to place without a central "home." I think that sounds wise for lots of reasons. Keeping one place where we have excellent insurance would serve...
by DWesterb2iz2
Wed May 02, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Health insurance for a couple living in 10-12 cities in the US
Replies: 14
Views: 1488

Re: Health insurance for a couple living in 10-12 cities in the US

My wife and I are in our mid-fifties, so not eligible for medicare. We are not veterans and not medicaid-eligible. No kids, just us. We are considering living in 10-12 small cities around the country next year. Is there a way to buy health insurance that would cover us through the whole year? Does ...
by DWesterb2iz2
Tue May 01, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Health insurance for a couple living in 10-12 cities in the US
Replies: 14
Views: 1488

Health insurance for a couple living in 10-12 cities in the US

My wife and I are in our mid-fifties, so not eligible for medicare. We are not veterans and not medicaid-eligible. No kids, just us. We are considering living in 10-12 small cities around the country next year. Is there a way to buy health insurance that would cover us through the whole year? Does a...
by DWesterb2iz2
Mon Apr 30, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 103
Views: 14832

Re: [favorite] Boglehead quotes

It's not a quote, but bigred77 had a post I loved in the thread "What is a boglehead?" (defining Bogleheads in three words).
viewtopic.php?t=164330

Anyway bigred77's post still makes me laugh:

"Used Camry Enthusiasts"
by DWesterb2iz2
Sun Apr 29, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: The "inertia test of performance"
Replies: 2
Views: 496

The "inertia test of performance"

I thought this was an interesting letter to the Financial Times last week (Thursday, April 26, 2018 page 8): Insights of the ‘inertia test’ Your article (“Too much investor cash is being leaked away”, FTfm, April 9), points to the drag on portfolio performance of unprofitable trading. The easiest wa...
by DWesterb2iz2
Mon Apr 23, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Traveling to italy.........
Replies: 19
Views: 2329

Re: Traveling to italy.........

I took my mom to the Cinque Terre a few years ago, and it was completely overrun with tourists. I realize that we were tourists too, but just know that before you make the effort to get there, you will have a lot of company. Since La Spezia is now a port for huge cruise ships to dock (it used to be ...
by DWesterb2iz2
Wed Apr 18, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: Your Money Or Your Life
Replies: 49
Views: 7448

Re: Your Money Or Your Life

My wife and I bought the cassette series of Joe Dominguez's and Vickie's Robin's "Your Money or Your Life" back in the late 80s early 90's, and it was a big deal for us. At the time, we also subscribed to Amy Dacyczyn’s Tightwad Gazette ( https://www.thesimpledollar.com/an-interview-with-amy-dacyczy...
by DWesterb2iz2
Tue Apr 17, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: Cash instead of bonds?
Replies: 59
Views: 9372

Re: Cash instead of bonds?

I mentioned in another thread that I had lunch with a wealthy retired man whose investment advice for retirees was to buy the S&P 500 and keep two year's expenses in cash (money market). No other mutual funds or bonds. I don't know about the man's non-stockmarket investments, though I assume he has...
by DWesterb2iz2
Mon Apr 16, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: Cash instead of bonds?
Replies: 59
Views: 9372

Cash instead of bonds?

I mentioned in another thread that I had lunch with a wealthy retired man whose investment advice for retirees was to buy the S&P 500 and keep two year's expenses in cash (money market). No other mutual funds or bonds. I don't know about the man's non-stockmarket investments, though I assume he has ...
by DWesterb2iz2
Mon Apr 09, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 9633

Re: Regrets of the frugal and dying?

I was friends with an elderly couple back in the 1980s. He was a professor of finance at the University of Chicago. They lived in a simple apartment near the University. I brought them lentil soup. They were gracious company. Anyway, I visited them often as he was dying of cancer. He died that year ...
by DWesterb2iz2
Thu Apr 05, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Bond Portfolio for High Net Worth Individuals - Different Rules?
Replies: 67
Views: 8803

Re: Bond Portfolio for High Net Worth Individuals - Different Rules?

I had lunch with a wealthy older guy this week. He's a retired lawyer and MBA. What he does and advises is 2 years expenses in cash and 100% of the rest in a S&P 500 fund. "No bonds?" I asked. "No bonds," he confirmed. He has non-stock market investments, too, though. I don't know what percentage of...
by DWesterb2iz2
Wed Apr 04, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: ETFs' tax advantage over Mutual Funds?
Replies: 8
Views: 1227

ETFs' tax advantage over Mutual Funds?

I was listening to Meb Faber's podcast and he mentioned the tax advantage of the structure of ETFs over the structure of mutual funds. I had not heard this before so I nosed around this site, And I did see this link recommended: https://www.fidelity.com/learning-center/investment-products/etf/etfs-c...
by DWesterb2iz2
Sat Mar 17, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Federal court tosses out fiduciary rule
Replies: 60
Views: 7225

Re: Federal court tosses out fiduciary rule

Someone Barry Ritholtz interviewed awhile back disagreed with the rule that made every financial advisor act as a fiduciary.

He thought instead it would be enough to pass a law that financial advisors have to clearly state whether they are or are not fiduciaries.
by DWesterb2iz2
Tue Mar 06, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Rebalancing bonds
Replies: 7
Views: 997

Re: Rebalancing bonds

Deleted by poster
by DWesterb2iz2
Sat Mar 03, 2018 5:28 am
Forum: Investing - Theory, News & General
Topic: Small cap value vs. total market?
Replies: 105
Views: 16906

Re: Small cap value vs. total market?

Longtermgrowth wrote:
Thu Dec 14, 2017 3:58 am
deltaneutral83 wrote:
Wed Dec 13, 2017 9:14 am
Merriman posted a podcast on SCV recently.
This one? https://paulmerriman.com/?powerpress_pinw=16819-podcast

I really enjoyed listening to that while watching the Geminid meteor shower tonight.
I liked it too. He says the phrase "Small cap valuuuue" about 10,000 times in that podcast.