Search found 641 matches

by Chan_va
Sat Aug 29, 2015 5:59 am
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 37184

Re: Will you buy an Apple Watch?

I bought an apple watch and returned it after a week. It has promise and I might buy the next generation but the current gen has 3 big problems. 1. Too tethered to iPhone. If I have to carry my phone for everything I need to do on the watch, I might as well use the phone. 2. No gps for accurate run ...
by Chan_va
Tue Aug 25, 2015 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Not pleased with promotion. What to do?
Replies: 15
Views: 3238

Re: Not pleased with promotion. What to do?

Thank you. These are very good suggestions. The hardest part of this is telling people who previously relied upon me that I'm no longer going to help them, and that they need to do the work themselves. I'm also a bit of a perfectionist and have a tendency to answer questions I should send to others...
by Chan_va
Tue Aug 25, 2015 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Not pleased with promotion. What to do?
Replies: 15
Views: 3238

Re: Not pleased with promotion. What to do?

The managers job is now yours. That is the one with access and visibility to senior leadership. That is the one that will determine your long term success. Prioritize that. The old job will have to be de-prioritized. Set up "office hours" of a few hours a week where you respond to emails. ...
by Chan_va
Mon Aug 24, 2015 12:59 am
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 84
Views: 11453

Re: How are you being greedy when others are fearful?

There seem to be a rash of threads here about how you can take advantage of a downturn. All we have had so far is a tiny drop after a record 6 year bull run. Folks, have we forgotten 2001 and 2008 already in terms of what fear feels like? For those who haven't experienced a true brutal bear market b...
by Chan_va
Thu Aug 13, 2015 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 79
Views: 7893

Re: Priorities

Thank you protagonist. I was going to spend the evening trying to figure out which funds to tax loss harvest, but spent it instead playing with food colors and making a giant mess with my 5 yr old.
by Chan_va
Wed Aug 12, 2015 11:14 am
Forum: Personal Consumer Issues
Topic: New Family Sedan or Used Luxury Car
Replies: 46
Views: 4066

Re: New Family Sedan or Used Luxury Car

Not even a close choice. New for 2 reasons 1. You will pay a fortune maintaining an older luxury car. Budget 2-3K / yr. I know from years of experience 2. The features and tech that made a luxury car cool in 2005 have trickled down to mainstream cars. The new car will be as good or better. The only ...
by Chan_va
Fri Aug 07, 2015 1:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 61
Views: 5818

Re: Congrats to Laura Dogu

For us newcomers, who is Laura?

Congratulations!
by Chan_va
Mon Aug 03, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Definition of "Success", Investing or Otherwise?
Replies: 16
Views: 1621

Re: What's Your Definition of "Success", Investing or Otherwise?

I agree with Bob Dylan. “A man is a success if he gets up in the morning and goes to bed at night and in between does what he wants to do.” – Bob Dylan

To me, that means accumulating 50x annual expenses. That would allow me to quit tomorrow, and do I what I want to do.
by Chan_va
Thu Jul 30, 2015 12:39 am
Forum: Personal Consumer Issues
Topic: [looking] for car suggestions
Replies: 60
Views: 4020

Re: look for car suggestions

On the low end, look at the Subaru Outback 3.6 - I was really impressed with the fit and finish, and safety tech available. Loaded for about 37K

On the high end, look at the Merc E63 AMG wagon. A beast. You are looking at the low 100's there.
by Chan_va
Mon Jul 27, 2015 11:13 pm
Forum: Investing - Theory, News & General
Topic: The Futility of Predicting Future Returns
Replies: 87
Views: 4348

Re: The Futility of Predicting Future Returns

I am a 3 fund guy myself, but we should recognize that the boglehead philosophy involves one key ingrained assumption. "Stuff always goes up over the long term" We are assuming that the future will roughly resemble the past, and that you can define the concept of a "long term", w...
by Chan_va
Wed Jul 22, 2015 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Bogle backfire?
Replies: 66
Views: 7885

Re: Bogle backfire?

If you can afford to buy a ford gt, you must have done some things right. The bogle head approach will minimize the std deviation of success. You won't become a billionaire, but it's likely you won't file for chapter 11 either. Other strategies will swing for the fences, but remember that the risk/r...
by Chan_va
Sat Jul 18, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: Ford Explorer vs. Honda Pilot
Replies: 36
Views: 3751

Re: Ford Explorer vs. Honda Pilot

Came home yesterday with a 2016 Sedona sx with tech package. The thing has more buttons than a Boeing 747.

Kia is offering a $1000 rebate if you finance, but not if you pay cash. Annoying, I have to finance and pay off a month later.
by Chan_va
Thu Jul 16, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: Ford Explorer vs. Honda Pilot
Replies: 36
Views: 3751

Re: Ford Explorer vs. Honda Pilot

Went to the Kia dealership to drive the Sorento. It was great, but the Sedona (minivan) is even better. Kia has made incredible strides in design and features.
by Chan_va
Wed Jul 15, 2015 8:02 am
Forum: Personal Consumer Issues
Topic: Ford Explorer vs. Honda Pilot
Replies: 36
Views: 3751

Re: Ford Explorer vs. Honda Pilot

Update: Test drove the Explorer further, and although I like the tech on it, the seats seemed cramped. Ruled that out.
Dealers are asking too much for the Pilot right now. Guess I will wait a few months for the hoopla to die down and supply ramps up.
by Chan_va
Mon Jul 13, 2015 2:28 pm
Forum: Personal Consumer Issues
Topic: Ford Explorer vs. Honda Pilot
Replies: 36
Views: 3751

Ford Explorer vs. Honda Pilot

Folks, As our family has grown, we have reached a point where we need a 3 row family hauler. I seem to have narrowed the choices down to the 2016 Explorer and Pilot. The 2016 Pilot is extremely scarce right now, and dealers are asking above MSRP for it. The Explorer on the other hand seems to be ava...
by Chan_va
Thu Jun 18, 2015 4:05 am
Forum: Personal Consumer Issues
Topic: How much do your children cost per month?
Replies: 83
Views: 7160

Re: How much do your children cost per month?

2 kids - one in preschool and one infant.

$4000/ month in childcare costs.
by Chan_va
Thu May 14, 2015 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Retiring in your 40's
Replies: 21
Views: 3017

Re: Retiring in your 40's

I retired a few months before I turned 40. Here are my simplified steps. 1. Saved enough in retirement accounts to fund retirement. Since most of mine is in tax advantaged accounts, I plan to use the 72(t) method to access the money when I start withdrawing to avoid paying a tax penalty. Not many p...
by Chan_va
Thu May 14, 2015 9:30 am
Forum: Investing - Help with Personal Investments
Topic: VA Municipal Bonds
Replies: 10
Views: 1039

Re: VA Municipal Bonds

Vanguard has 4 national tax exempt muni funds - with duration ranging from 1 to 6 years. The intermediate term tax exempt has a duration of approx 5 years. So, in terms of bond volatility, you will likely see similar volatility to a total bond market index fund. If you want lower volatility, you can...
by Chan_va
Thu May 14, 2015 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Retiring in your 40's
Replies: 21
Views: 3017

Re: Retiring in your 40's

Thanks folks. From a career standpoint, I will have to shift into a role that will allow for flexible schedules. My current job is not really geared toward part time work.
by Chan_va
Thu May 14, 2015 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Retiring in your 40's
Replies: 21
Views: 3017

Retiring in your 40's

Folks, As I turn 40 this year, it has become increasingly clear to me that I have no desire to be working full time in my 50's. For those of you who retired / switched to a part time role in your mid -late 40's, any tips on what I should be doing in the next 5-7 years to prepare? Here are some perti...
by Chan_va
Fri May 08, 2015 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 35782

Re: much ado about coasting (through life)

You aren't going to get too much support here OP. All those who agree with you are not at a computer, they are off coasting :)

FWIW, I am rooting for you
by Chan_va
Mon May 04, 2015 4:05 pm
Forum: Personal Consumer Issues
Topic: How To Find The Best Doctor
Replies: 42
Views: 3337

Re: How To Find The Best Doctor

This becomes vastly more complex if you ask the question: How can I find the doctor who will provide the best value for my money? With insurance deductibles going up, this is an increasingly important question, and one that is pretty much impossible to answer in a reasonable fashion right now. This ...
by Chan_va
Thu Apr 30, 2015 11:09 am
Forum: Investing - Theory, News & General
Topic: Risk Aversion vs. Loss Aversion
Replies: 17
Views: 1439

Re: Risk Aversion vs. Loss Aversion

Simple case of the pronouns.

I am risk averse, you are loss averse, he/she is a weenie scared of the market.
by Chan_va
Thu Apr 30, 2015 11:00 am
Forum: Investing - Theory, News & General
Topic: US stocks returned "just 0.6%" 1915-1982
Replies: 56
Views: 6113

Re: US stocks returned "just 0.6%" 1915-1982

Stock buybacks, huh. Why are such massive resources being devoted to stock repurchases? Corporate executives give several reasons, which I will discuss later. But none of them has close to the explanatory power of this simple truth: Stock-based instruments make up the majority of their pay, and in ...
by Chan_va
Mon Apr 27, 2015 2:40 pm
Forum: Personal Consumer Issues
Topic: Roasting green coffee beans at home
Replies: 10
Views: 1095

Re: Roasting green coffee beans at home

I tried roasting for a while using a stovetop popcorn machine. Fun experience, but objectively, my roast was never as good as a good fresh local professional roast. So I gave up.
by Chan_va
Mon Apr 27, 2015 12:33 pm
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 86
Views: 7291

Re: Who's holding cash?

I have been building up a house downpayment fund in cash greater than the 20% required. Partly because I don't like debt and want to minimize my mortgage, and partly as a hedge.
by Chan_va
Mon Apr 27, 2015 11:49 am
Forum: Investing - Theory, News & General
Topic: Vanguard Balanced Index from Cradle to Grave
Replies: 32
Views: 3807

Re: Vanguard Balanced Index from Cradle to Grave

nisiprius wrote: The thing that's hard for people to accept is that there is a fairly big zoo of portfolios of which it can be said that they are all sane, that there is no way to prove which is best, and even thirty years from now no way to prove whether the highest-returning one was smart or just...
by Chan_va
Fri Apr 17, 2015 2:46 am
Forum: Personal Consumer Issues
Topic: Don't have a plan, what to do with my money?
Replies: 12
Views: 1762

Re: Don't have a plan, what to do with my money?

What's the rush to buy a house? Don't fall into the 'you are just throwing your money away on rent' fallacy. At your age, the flexibility that renting offers should not be discounted. I would just invest your extra cash in the market according to your aa. Average your way over time if you are nervou...
by Chan_va
Wed Apr 15, 2015 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 net worth survey
Replies: 20
Views: 3195

Re: 2015 net worth survey

Only 98 people took the survey, 27 less than the age of 35 same as our age range, 18 with less than 130k debt (our mortgage), 9 with a portfolio greater than 250k excluding home equity. These numbers seem very low to me. Are you sure you are looking at the right survey? I count close to 1,000 respo...
by Chan_va
Sun Apr 12, 2015 11:09 pm
Forum: Investing - Theory, News & General
Topic: How much riskier are munis than treasuries?
Replies: 32
Views: 4203

Re: How much riskier are munis than treasuries?

You can compare current treasury yields vs. Muni Yields to get an idea of how the markets are pricing the risk. You really need to compare the tax equivalent yield (TEY) when talking about muni's vs treasuries. As you can see here, depending on the maturity, muni's are yielding anywhere from 25%-60%...
by Chan_va
Sun Apr 12, 2015 10:30 pm
Forum: Personal Consumer Issues
Topic: Input wanted from BMW owners
Replies: 44
Views: 4902

Re: Input wanted from BMW owners

Budget roughly 1.5-2k/year - that has been my experience.

Just yesterday, I had a DSC warning light come on in my 2007 530. Internet research seems to indicate that its a steering angle sensor. Probably going to cost 4 digits.
by Chan_va
Mon Apr 06, 2015 4:40 pm
Forum: Investing - Theory, News & General
Topic: Why are Bonds expensive?
Replies: 24
Views: 2496

Re: Why are Bonds expensive?

So I'm trying to find out if my *theory* is correct :wink: - that is baby-boomers are at the age to prefer and require safe investment like bonds ; and they also think houses are, well, safe as houses. Is my theory correct? Maybe I'm totally wrong about this. Thanks anyway. James, individual invest...
by Chan_va
Wed Mar 25, 2015 10:16 pm
Forum: Investing - Theory, News & General
Topic: I've Got to be Doing "Something". And You?
Replies: 22
Views: 3451

Re: I've Got to be Doing "Something". And You?

I am not so sure. If you believe that markets are even vaguely efficient, and expand the definition of markets to include things like land-lording, then the risk/reward/effort trade off is baked in. We have had a generation or more of great equity returns, but there has to be some hidden tail risk b...
by Chan_va
Wed Mar 25, 2015 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Hedging interest rate risk
Replies: 6
Views: 936

Re: Hedging interest rate risk

Edited after I did some basic thinking. Interest rate sensitivity of preferred stocks has 2 parts. One being interest rates, other being more equity like behavior dependent on market conditions. Often the second swamps the first, so it would be hard to hedge just by shorting treasuries. You would ne...
by Chan_va
Sat Mar 21, 2015 1:10 pm
Forum: Investing - Theory, News & General
Topic: How much international stock for a foreigner
Replies: 23
Views: 1466

Re: How much international stock for a foreigner

If you were a perfectly rational, emotionless investor, the theoretical answer would probably be match your home country percentage to the global market weights. However, most of us are not built that way, and there is a significant behavioral component here. The most important factor is whether you...
by Chan_va
Mon Mar 16, 2015 8:39 pm
Forum: Investing - Theory, News & General
Topic: Best investment in a deflationary scenario
Replies: 11
Views: 1486

Re: Best investment in a deflationary scenario

Long bonds
Pay off debt
by Chan_va
Mon Feb 16, 2015 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best Condo Sell Strategy?
Replies: 17
Views: 1274

Re: Best Condo Sell Strategy?

Yeah overpricing is a bad idea. I am looking right now and I can tell you that anything overpriced I don't click on and don't return to. Odds are that the owner has unrealistic expectations. And anything that has been in the market for over 30 days, I start to question why.
by Chan_va
Mon Feb 16, 2015 11:52 am
Forum: Personal Consumer Issues
Topic: What 3 MATERIAL things would you take with you?
Replies: 34
Views: 1770

Re: What 3 MATERIAL things would you take with you?

I would make the choice as part of a collective deliberation, with a few thousand people similar to me in terms of ideology, methodology and values. We would find each other through facebook and twitter. If a group comes together along these lines comprising 5,000 people, then we get 15,000 items, ...
by Chan_va
Mon Feb 16, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: What 3 MATERIAL things would you take with you?
Replies: 34
Views: 1770

Re: What 3 MATERIAL things would you take with you?

chaz wrote:DW and our 2 daughters.


That is a given. Everyone gets to go. The question is more about the everyday small things that you value after family, friends etc.
by Chan_va
Mon Feb 16, 2015 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Should I raise my tenants rent?
Replies: 35
Views: 2227

Re: Should I raise my tenants rent?

Assuming the rental is cash flow positive and you don't need the rental income now, a raise that matches inflation would not be out of order. Given the low inflation rate now, I wouldn't bother.
by Chan_va
Mon Feb 16, 2015 11:21 am
Forum: Personal Consumer Issues
Topic: What 3 MATERIAL things would you take with you?
Replies: 34
Views: 1770

Re: What 3 MATERIAL things would you take with you?

I would not go. I'd go. What a fantastic adventure. Might as well die on Mars as Earth. For my 3 things I'd take 3 big moving vans packed with everything I could fit into them. Nasa's minutarization tech only works on things that can be bought as a whole package. They have to get the design specs f...
by Chan_va
Mon Feb 16, 2015 11:13 am
Forum: Investing - Help with Personal Investments
Topic: What to do with left over money.
Replies: 11
Views: 941

Re: What to do with left over money.

Look up your life expectancy from the actuarial tables. Factor in that your ability to do the things you enjoy now will gradually diminish over time. Then add in the odds that you get hit by a bus tomorrow. Money is like a battery. It has no value apart from what it can power. I'd say your time char...
by Chan_va
Mon Feb 16, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: What 3 MATERIAL things would you take with you?
Replies: 34
Views: 1770

What 3 MATERIAL things would you take with you?

It's the year 2017. NASA announces that the comet NG3D7 (They didn't have time to come up with a witty name) is on a direct collision course with earth in a year, and it's large enough to wipe us all out. This unites humanity like never before, and we build giant colonies on Mars, along with fleets ...
by Chan_va
Mon Feb 16, 2015 8:17 am
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 61
Views: 5341

Re: Does anyone like the new Toyota/Lexus grilles?

I read a review of the new Lexus rc coupe that nailed it. "It's like a whorehouse. No one wants to be seen going in. But once in, no one wants to come out." Personally, I would cross the street to avoid the new grills from Toyota/Lexus/Acura. On a related note, the new ford gt has to rank ...
by Chan_va
Tue Feb 03, 2015 10:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 5004

Re: Vanguard survey: what should they do differently?

1. Take a more active stance on corporate governance - Vanguard is a huge shareholder in many companies, need to use that clout better 2. Disclose exec pay 3. Invest more in IT 4. A rewards program where I earn points for buying vanguard funds and can redeem for kitschy stuff like a multi purpose Va...
by Chan_va
Mon Jan 26, 2015 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help Analyze a 3 Fund Portolfio for friend
Replies: 7
Views: 778

Re: Help Analyze a 3 Fund Portolfio for friend

The 4 fund portfolio works better

40% TSM
10% Total International
40% California Intermediate Term Tax Exempt
10% VRI (The Vintage Rolex Index)
by Chan_va
Mon Jan 26, 2015 11:56 am
Forum: Investing - Theory, News & General
Topic: What's wrong with volatility if buy&hold
Replies: 52
Views: 4026

Re: What's wrong with volatility if buy&hold

Here is the rub about volatility. We all invest in the belief that the markets show short range disorder (volatility), but long range order (stuff goes up). That has held true so far. But what if this long range behavior is but a pimple of order on the face of ugly "very-long range" volati...
by Chan_va
Mon Jan 26, 2015 11:47 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 945
Views: 197815

Re: What experts say about $5,000 watches

This thread is mythical. Specifically a hellish nexus of the Sirens and Sisyphus myths. We are all doomed to be drawn irresistibly to the rocky shores of this thread and to pointlessly roll the rock of our opinions uphill till the end of time. With that out of the way... We all perform a cost benefi...
by Chan_va
Tue Jan 20, 2015 5:12 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 945
Views: 197815

Re: Best watch for around $5,000?

Tangentially... how the heck do you pronounce "Datejust?" It's almost as hard as "Wealthfront." Do you pronounce it clearly and with good diction? Do you settle for "Dayjust?" Do you give it a little bit of an Italian accent, "Date-a-just?" And why Date just ...
by Chan_va
Fri Jan 02, 2015 3:44 pm
Forum: Personal Consumer Issues
Topic: Bunn trifecta (coffee maker)
Replies: 8
Views: 1001

Re: Bunn trifecta (coffee maker)

This one might be sufficient for your needs. https://homecatalog.bunn.com/product/Home-Catalog-US/BREWERS/SINGLE-CUP/Single-Cup-My-Caf-MCU-Coffee-or-tea-the-way-you-love-it-One-cup-at-a-time-42900-0301 Interesting - thanks for posting. But at the end of the day, this one is a drip coffee maker - an...

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