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Re: Why Buying a *New* Car Makes Sense? Please help!

I think you are right: CPO cars are not a good deal for reliable, low depreciation vehicles that are unlikely to make any use of the warranty. CPO cars do not benefit from many manufacturer incentives, including financing, the drive down the cost of the new car. However, there are a couple problems...
by AndroAsc
Mon Mar 30, 2015 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why Buying a *New* Car Makes Sense? Please help!
Replies: 52
Views: 3370

Why Buying a *New* Car Makes Sense? Please help!

I am on the market for my first car, and I am an anti new car person, but all of my analysis points me to the fact that getting a new car is better. Please look at my analysis and tell me if I have forgotten to account for something. For the record, this analysis has only been done for the Toyota Co...
by AndroAsc
Mon Mar 30, 2015 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why Buying a *New* Car Makes Sense? Please help!
Replies: 52
Views: 3370

Question on Relocation Package (from Employer's perspective)

One of the companies that I am in talks with for a career move has a relocation package, and earlier this week HR just went through some of the details. It was more of "generic" details, but if my understanding is correct the company will pay for 10% of the cost of selling a home, and 5% o...
by AndroAsc
Sun Mar 01, 2015 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Question on Relocation Package (from Employer's perspective)
Replies: 6
Views: 530

Re: Why no talk about investing in Timber?

So basically while it may be a good investment, there are no good tools to allow entry for the consumer-level investor?
by AndroAsc
Wed Feb 04, 2015 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Why no talk about investing in Timber?
Replies: 14
Views: 1317

Why no talk about investing in Timber?

I've noticed on the GMO forecast over the past few years, Timber investments has always been forecasted with consistently high returns (I'm not sure about the actual returns since I've not looked at Timber investments before). But given that GMO forecast has been somewhat accurate historically, and ...
by AndroAsc
Wed Feb 04, 2015 9:47 am
 
Forum: Investing - Theory, News & General
Topic: Why no talk about investing in Timber?
Replies: 14
Views: 1317

Re: How do I financially evaluate a company (for a job offer

I should also add that this company I am trying to evaluate is a slightly outside my domain of expertise, so it's a different industry as to my current job. Hence, the need to "objectively" evaluate it, as opposed to using my own personal knowledge.
by AndroAsc
Thu Jan 29, 2015 6:43 am
 
Forum: Investing - Help with Personal Investments
Topic: How do I financially evaluate a company (for a job offer)?
Replies: 3
Views: 381

How do I financially evaluate a company (for a job offer)?

Currently interviewing with several publicly listed companies. I know that as Boglehead investors we don't invest in individual companies, but if we needed to analyze a company financially and decide to "invest" in it, i.e. take the job offer, what is the best way to figure out the company...
by AndroAsc
Thu Jan 29, 2015 6:31 am
 
Forum: Investing - Help with Personal Investments
Topic: How do I financially evaluate a company (for a job offer)?
Replies: 3
Views: 381

Re: Vanguard introduces first muni bond index fund and ETF

Finally.... one year later, or was it more than that?

It's the same ER as the other Vanguard muni bond. Is there any reason to switch to this?
by AndroAsc
Tue Jan 06, 2015 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 79
Views: 7412

Re: Bonds go in taxable (whitecoatinvestor aka EmergDoc arti

I've been thinking about this as well, I think someone else has coined it as "relative" vs "absolute" tax efficiency. Is there any *REAL* solid reason as to why the "principles of efficient tax placement" is as it should be, apart from the nice sounding maxim that tax i...
by AndroAsc
Sat Jan 03, 2015 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds go in taxable (whitecoatinvestor aka EmergDoc article)
Replies: 111
Views: 10969

Re: Why not put 2x amt. of emergency funds in the market?

Do consider what the BH Wiki says, as avenger pointed out. http://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advantaged_account This might seem a bit counter-intuitive to begin with, because you end up NOT having a dedicated emergency fund, but this is very sound advice... Putting away $50...
by AndroAsc
Sat Jan 03, 2015 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: Why not put 2x amt. of emergency funds in the market?
Replies: 19
Views: 2230

Re: Poll: How long have you been with your current AA?

Technically, my asset allocation has changed slightly over the years, but that's because of the limitations of the instruments in the past. Also, there are considerations such as insufficient IRA space!!! For example, I've always wanted international bond, and when Vanguard launched their internatio...
by AndroAsc
Sat Jan 03, 2015 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How long have you been with your current AA?
Replies: 44
Views: 2524

Is a bond's SEC yield a good predictor of it's returns?

Would anyone care to help in explaining what exactly does a SEC yield calculate and if it's a good predictor of the long-term returns of a bond fund? Here's what vanguard says: A non-money market fund's SEC yield is based on a formula mandated by the Securities and Exchange Commission (SEC) that cal...
by AndroAsc
Fri Jan 02, 2015 7:16 am
 
Forum: Investing - Theory, News & General
Topic: Is a bond's SEC yield a good predictor of it's returns?
Replies: 8
Views: 943

Re: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fi

I just got my first moving violation traffic ticket (running a red light), which I honestly do not remember committing this act. ... Do not remember? Was this a camera violation--and MI counts it toward points? (Most states don't point you on this.) Pretty sure I'm getting points. It was not a red ...
by AndroAsc
Wed Dec 03, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fine?
Replies: 18
Views: 1445

Re: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fi

That's true. A bit more background, I found that traffic tickets are extremely difficult to contest where I live. Police officers always show up for court, so one cannot pull the reschedule and not show up trick...
by AndroAsc
Wed Dec 03, 2014 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fine?
Replies: 18
Views: 1445

1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fine?

I just got my first moving violation traffic ticket (running a red light), which I honestly do not remember committing this act. I'm based in MI. The fine is $100-ish and I get 3 points on my driver's license. I have a clean record and would like to keep it this way. My other option is to get a lawy...
by AndroAsc
Wed Dec 03, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fine?
Replies: 18
Views: 1445

Re: Value Averaging: My experience after 9 years

AndroAsc, Thanks for the response. Good to see more VA'ers here, and hope we can keep the discussion alive and revisit it often over the longterm. I agree that my "mistake" may not be a mistake and that a longer term examination may show all this to be part of the design of VA. GMO actual...
by AndroAsc
Tue Nov 18, 2014 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 24
Views: 4668

Re: Value Averaging: My experience after 9 years

I think this is an important part of the discussion, for sure. What is the goal of VA? If it is to boost returns, I highly doubt it is a good strategy. For me, the goal of VA is a methodical way to handle "need to take risk". You can also say it is an implementation of Bernstein's "S...
by AndroAsc
Tue Nov 18, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 24
Views: 4668

Re: Value Averaging: My experience after 9 years

Deploying assets or rebalancing to the desired asset allocation just seems a whole lot easier in terms of the required discipline. Dale I believe systematic rebalancing to a desired asset allocation has a same or even superior effect to value averaging, and that it is a more efficient way to procee...
by AndroAsc
Tue Nov 18, 2014 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 24
Views: 4668

Re: Value Averaging: My experience after 9 years

I am also doing VA, and a while back I asked the question on how to optimize the expected returns - not much came out. But since we are on this discussion again, what could have been done better with the crash drag? Obviously, the OP's "mistake" (and hindsight is 20/20) is that the value p...
by AndroAsc
Tue Nov 18, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 24
Views: 4668

Re: Vanguard sued for charging too little

Can't believed I missed this development. Anyway this sentence caught my eye " But that violates Section 482 of the Internal Revenue Code, which requires companies to charge market-rate prices, not lower "at-cost" prices, for services to related firms, Danon argued " Can anyone w...
by AndroAsc
Mon Nov 10, 2014 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 280
Views: 46518

Re: Cost of Living vs Networking & Career Growth Opportuniti

Where will you be happier? Don't let the tail wag the dog. I would be "happier" in a low COL area, but that's only because I can save more. But if the salary at the higher COL area adjusts such that I can save the same amount as in a low COL area, I would be equally happy. Finances aside,...
by AndroAsc
Mon Nov 10, 2014 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of Living vs Networking & Career Growth Opportunities
Replies: 7
Views: 993

Re: Cost of Living vs Networking & Career Growth Opportuniti

What if you are taking a hit to your annual savings in a higher COL area, but that is exchanged with better networking opportunities and career prospects?
by AndroAsc
Mon Nov 10, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of Living vs Networking & Career Growth Opportunities
Replies: 7
Views: 993

Cost of Living vs Networking & Career Growth Opportunities

Like many Bogleheads, I am an ardent believer of living in low COL cities as the impact on retirement is huge. However, this has been recently challenged. At a personal level, I am on the job market, and a few of the jobs that I am very near the end of the hiring process has multiple locations. Obvi...
by AndroAsc
Sun Nov 09, 2014 7:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of Living vs Networking & Career Growth Opportunities
Replies: 7
Views: 993

Re: Most financially economical choice for a car

mur44 wrote:Honda Accord or Toyota Camry would be better
choice from safety point of view.

You can wait till September to buy 2014 model
when deeper discounts are offered.


Where you did get this information?

EDIT: Oh nevermind, I found a site that has all the crash ratings and stuff.
by AndroAsc
Tue Oct 28, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 5021

Re: Most financially economical choice for a car

Seems that the common theme is do not get an old piece of junk.

Are there any advantages of getting new over certified pre-owned (especially if they come with powertrain warranty for 7yrs/100k miles, which some do)?
by AndroAsc
Tue Oct 28, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 5021

Re: Most financially economical choice for a car

On your second assertion you are way, way out. There's plenty of empirical evidence here. A new battery pack for a Prius does not cost $20k or anything like. The Prius ecosystem is well established. I think your issues are red herrings-- they have been addressed in many threads here by Prius owners...
by AndroAsc
Tue Oct 28, 2014 6:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 5021

Re: Most financially economical choice for a car

it could, of course, go back up again. Right now, down is more likely. A decent chance oil will hit $80/ bl. If the Prius is a car that otherwise suits your needs, then going for it and having the fuel economy as a hedge is a decent option. I'm not too fond of these alternative hybrid/electric cars...
by AndroAsc
Tue Oct 28, 2014 6:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 5021

Most financially economical choice for a car

I'm on a market for a new car, and would like to solicit opinions of what the most economical long-term option is. I'm not very specific about the car I need. An intermediate-sized car, reasonably good gas mileage, and I'm good. Will drive the car until it breaks, or when repair costs exceed replace...
by AndroAsc
Tue Oct 28, 2014 5:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 5021

Advice for insurance for car rental (I don't own a car)

Hi all, I don't own a car so I do not have a traditional auto insurance policy. I live in an area where I can get by without a car on weekdays, but I will rent a car for the weekend, and my car rentals are quite frequent. What insurance coverage would I need to "bulletproof" myself from ac...
by AndroAsc
Sat Sep 27, 2014 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for insurance for car rental (I don't own a car)
Replies: 3
Views: 377

Re: Help with specific COL calculations: Midwest vs Coastal

There are lots of COL calculators on the web. Best to look at several to compare. They are tracking this information in a more uniform way than we as posters on a forum would. Our opinions might be interesting, but I'd lean on the calculators for better information. COL calculators are not accurate...
by AndroAsc
Wed Aug 27, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with specific COL calculations: Midwest vs Coastal City
Replies: 11
Views: 688

Help with specific COL calculations: Midwest vs Coastal City

I've been crunching some numbers about COL adjustments for moving from a Midwest area to an East/West Coast region. I would really appreciate some input as to whether my numbers would be accurate: The assumption is that if I move to a high COL area, I would live in a cheaper suburb and commute about...
by AndroAsc
Wed Aug 27, 2014 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with specific COL calculations: Midwest vs Coastal City
Replies: 11
Views: 688

Recommendation for good paycheck calculator for net income

Normally, I use paycheck city to calculate my net income after IRA/401k contributions, and one feature I like is that it calculate city/state taxes too, which makes it very good for comparing net salaries for jobs in different location. BUT... paycheck city is broken. I realized this when they were ...
by AndroAsc
Thu Aug 21, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommendation for good paycheck calculator for net income
Replies: 4
Views: 802

Re: Moving from Midwest to Coastal Cities: COL Adjustment?

OP, so if you're looking for more money, why not look at different (better paying) industries where you live now? Making $80K in Chicago and moving to NYC but making $150K isn't really increasing your income because your expenses went up at least as much as the income increase. Seems like you're ch...
by AndroAsc
Mon Jul 14, 2014 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2761

Re: Moving from Midwest to Coastal Cities: COL Adjustment?

Currently in a job in the Midwest earning $80k. Have been contemplating a career move to better places.... I hate crowds, cities and commute, but I'm willing to move if the $$$ is good. I have to ask some questions because these comments seem at odds with each other. What are your criteria for a &q...
by AndroAsc
Sun Jul 13, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2761

Re: Moving from Midwest to Coastal Cities: COL Adjustment?

Using an online calculator, here are a few examples (not knowing where you live now): $80,000 in origin city equals $X in NYC (Manhattan): Chicago - $151K Minneapolis - $163K Ann Arbor - $171K Cleveland - $176K Detroit - $184K Cincy - $191K Des Moines - $193 Columbus - $199K They couldn't (probably...
by AndroAsc
Sun Jul 13, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2761

Moving from Midwest to Coastal Cities: COL Adjustment?

Currently in a job in the Midwest earning $80k. Have been contemplating a career move to better places, but most of them are located in coastal cities with high cost of living. Let's use NYC as an example, cause it's where I am targeting. How much would I need to earn in NYC to get an equivalent lif...
by AndroAsc
Sun Jul 13, 2014 6:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2761

Getting a sense of scale of returns during bull/bear

As a novice investor, I have not really been through multiple cycles of bull/bear. I was finishing up my investments for the quarter and I decided (out of curiosity) to see how the US Total Stock Market was doing. Holy crap! It has been growing continuously since the crash and I had no idea that the...
by AndroAsc
Sun Apr 06, 2014 7:59 am
 
Forum: Investing - Theory, News & General
Topic: Getting a sense of scale of returns during bull/bear
Replies: 4
Views: 393

Re: Question on Sanctions and Asset Seizures

Perhaps to better frame this discussion, has there been any examples in recent history where a country seized/confiscated assets of a foreign investor (e.g. Vanguard)? What happens then? Is the money lost forever? Or is it restored after the crisis? Also, what do our Boglehead principles say about e...
by AndroAsc
Fri Mar 07, 2014 7:48 am
 
Forum: Investing - Theory, News & General
Topic: Question on Sanctions and Asset Seizures
Replies: 5
Views: 465

Question on Sanctions and Asset Seizures

My question is technical. Yes, it is motivated by ongoing geopolitics, but I will phrase it in a hypothetical manner. If this is not acceptable then mods can close this thread. Let's say there are 2 countries, A and B. Something happens, and both country seizes each other's assets. If a investor who...
by AndroAsc
Fri Mar 07, 2014 6:57 am
 
Forum: Investing - Theory, News & General
Topic: Question on Sanctions and Asset Seizures
Replies: 5
Views: 465

Re: No car, moving for a 3-mth assignment, cheapest car opti

Yes, you will need at least liability insurance, or in some states post a bond if you self-insure. This is often a legal requirement. A used car for $5K nowadays is probably not a car you want to drive. I figure at least $3K to 4K/yr. for a decent used car purchase. That does not include maintenanc...
by AndroAsc
Wed Mar 05, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: No car, moving for a 3-mth assignment, cheapest car option?
Replies: 12
Views: 601

Re: No car, moving for a 3-mth assignment, cheapest car opti

Joe M wrote:Your work wont pay/reimburse you for th expense?


Not directly, no. I am getting a lump sum for relocation, and I would hate to burn it all on car expenses.
by AndroAsc
Wed Mar 05, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: No car, moving for a 3-mth assignment, cheapest car option?
Replies: 12
Views: 601

No car, moving for a 3-mth assignment, cheapest car option?

I live in an area where public transport is pretty good and provided for free by my employer, and so I don't have a car. I don't have car insurance too. Over summer, I will be away on a 3-mth assignment. The place I am moving to requires a car to get around. From a financial perspective, what is my ...
by AndroAsc
Wed Mar 05, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: No car, moving for a 3-mth assignment, cheapest car option?
Replies: 12
Views: 601

Re: Single & Frugal or Coupled & (Financially) Incompatible?

jgb wrote:
mwm158 wrote:So how do personal ads work on this forum? Do I need to reply with my income, savings rate, and retirement account figures?


This, and I second a sub-forum for single Bogleheads.


Third-ed!
by AndroAsc
Fri Jan 03, 2014 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Single & Frugal or Coupled & (Financially) Incompatible?
Replies: 77
Views: 6164

Investing (not speculating) in Bitcoin

I'll just put a disclaimer straight up, this discussion is just a hypothetical situation. I am in no way advocating one should go all out and "invest" in Bitcoin with 100% of all assets. Having said that, if you had a small amount say 1% of your assets of "play money" to spend an...
by AndroAsc
Tue Nov 19, 2013 8:40 pm
 
Forum: Investing - Theory, News & General
Topic: Investing (not speculating) in Bitcoin
Replies: 119
Views: 11773

Re: Best careers for people about to enter college?

Contrarian that I am, I would suggest a field of study in which the student is engaged and challenged. This might be anything from plant biology to medieval linguistics to political science. College is not a trade school, nor should it be. The most depressing conversation I ever had with a high sch...
by AndroAsc
Sat Oct 26, 2013 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best careers for people about to enter college?
Replies: 69
Views: 5264

Re: Government Shutdown/Default [effect on investments]

Hmm, I did not do anything. Was toying with the idea of placing a limit order, but I am just too busy. PASSIVE investment yeah!!!!!
by AndroAsc
Thu Oct 17, 2013 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 29779

Re: Can a company only offer its stock in a 401(k)?

Are you asking whether it's legal for a company to offer nothing other than its own stock in a 401(k); or whether it's legal for that to be one of the options, and one which many employees choose ? The previous poster is correct that there are still companies which provide any match strictly in the...
by AndroAsc
Mon Oct 14, 2013 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Can a company only offer its stock in a 401(k)?
Replies: 6
Views: 889

Re: Government Shutdown/Default [effect on investments]

Can we discuss on how capitalize if there is indeed a government default? Is anyone setting limit orders for ETFs? I am going to submit a limit order(s) to purchase ETF(s) at 19.8% below the previous market close. The idea is that if the market drops 20%, then circuit breakers go into effect and th...
by AndroAsc
Sat Oct 12, 2013 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 29779

Re: Vanguard could have the edge in active ETF battle

What the hell Vanguard launching active ETF? This is heresy!!! How could they do that? Has there been some shake up in the Vanguard management recently??!
by AndroAsc
Sat Oct 12, 2013 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard could have the edge in active ETF battle
Replies: 5
Views: 669

Re: Government Shutdown/Default [effect on investments]

Can we discuss on how capitalize if there is indeed a government default? Is anyone setting limit orders for ETFs?
by AndroAsc
Sat Oct 12, 2013 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 29779
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