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radballs

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Posts posted by radballs

  1. My point is, it doesn't take 'just a couple hours a year' to balance your portfolio. After you have done hours, days, maybe weeks of research on managing portfolio's, and you have developed your own system, it may not take long. But how much time does it take to reach that point? You all try to make it sound easy, but it's not. I personally think that someone who is certified to invest, has gone to school for it, and does it for a living EVERY DAY, will do a better job then an individual researching it for themself.Also, even if you save $ on fees, what if the fund is a poor performer. A higher fee fund that performs better then a lower fee fund could turn out better in the long run. I think people just get fixated on that fee, and think the rest doesn't matter?

    I disagree. The fee is very important over the long run. Also, very, very few active mutual fund managers outperform the market as a whole. I think you save yourself a whole lot of money by investing yourself.Many financial advisors make money by churning your money or their fund portfolio. They aren't incentivized by making you more money, only by turning your money over as often as possible. This costs you money. However, if you really are either intimidated or have no interest in doing it yourself and you want a financial advisor, you should make sure that they work off of a flat rate or percentage of your assets (like 1%) instead of a trading commission-based system.
  2. Thanks for starting this thread. I desperately needed to reallocate/rebalance my 401k and this prompted me to. My plan included a great Vanguard fund for those planning to retire in or around a certain year. I picked the one closest to my retirement age. Based on your age it seems they reallocate the money in the funds as they think appropriate. Right now it's mostly stocks because we're young enough. Either way, I like the idea of not having to think about it and the idea of a professional making the choices -- a little peace of mind. Though I didn't go all in -- put half my 401k into that one and spread the other half over a few other funds. :shrug:

    The Vanguard retirement funds are very good... I personally like to have a little more control than that, but for an easy (and more importantly, low-cost) retirement fund it is great
    Love Vanguard. 85% of mutual funds managers don't outperform the market. Therefore, I want a little less management and lower fees. Huge difference in a 1% fund expense difference compounded over many years. Historically, small cap value funds have signifcantly outperformed the market as a whole. So, about 90% of my stocks and mutual fund assets are in IJS or Vanguard's Small Cap Value Fund. The rest are in QQQQs and a handful of individual stocks that I can't let go of, such as Amazon.
  3. Some really good movies are leaving Instant on Monday night (available until February 1st, which means Monday night is the last time you can watch it). "The Package" with Gene Hackman and Tommy Lee Jones is one I highly recommend and if you like spy movies from the '70s I also recommend "Three Days of the Condor" with Robert Redford and Faye Dunaway. "Apocalypse Now" is also leaving Instant. I figure most people around here have already seen that one.

    I haven't read the whole thread, but can you explain how you find what's leaving and what's coming? It would be much appreciated.
    http://instantwatcher.com/titles/expiring

    Much of the time it's easier to browse through movies on that site than it is on Netflix itself.

    Thank you.
  4. Some really good movies are leaving Instant on Monday night (available until February 1st, which means Monday night is the last time you can watch it). "The Package" with Gene Hackman and Tommy Lee Jones is one I highly recommend and if you like spy movies from the '70s I also recommend "Three Days of the Condor" with Robert Redford and Faye Dunaway. "Apocalypse Now" is also leaving Instant. I figure most people around here have already seen that one.

    I haven't read the whole thread, but can you explain how you find out what's leaving and what's coming? It would be much appreciated.
  5. Haven't read this whole thread, but they recently added the Wii as a streaming device - FYI.We got the disc few weeks ago and I love the ability to stream stuff for the kids. Tried to have the family watch "The Adventure of Baron Munchausen" last week, but I was overruled after the first 10 minutes or so. Just when the good stuff was about to kick in. :popcorn:

    Is this a completely different disc from the one for the PS3? I'd like to stream from my Wii as well.
  6. Is it erroneous to presume that the percentages of what makes up a homosexual is different between the sexes? If I had to fathom a guess, I would think that males have a higher percentage of genetic makeup causing it than females. Just a hunch though. I very well could be wrong and not fishing here.

    I once read in a book that while the overall percentage of homosexuals has varied across different cultures, the ratio of gay men to gay women in a given culture is relatively constant at about 2:1.
    I guess more specifically I was referring to the genetic/learned tradeoff as it relates to homosexuality in each sex. My "shoot from the hip" belief is that the learned portion of this is higher in women than in men. In other words, the percentage that you might apply to male heterosexuals (in the poll in this thread) I think would be higher than it would be for women. But again, I could easily be wrong.
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