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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 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Condo Sell Strategy?
Replies: 17
Views: 891

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 11:52 am
 
Forum: Personal Consumer Issues
Topic: What 3 MATERIAL things would you take with you?
Replies: 34
Views: 1243

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 11:49 am
 
Forum: Personal Consumer Issues
Topic: What 3 MATERIAL things would you take with you?
Replies: 34
Views: 1243

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 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I raise my tenants rent?
Replies: 35
Views: 1758

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 11:21 am
 
Forum: Personal Consumer Issues
Topic: What 3 MATERIAL things would you take with you?
Replies: 34
Views: 1243

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 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with left over money.
Replies: 11
Views: 742

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 10:41 am
 
Forum: Personal Consumer Issues
Topic: What 3 MATERIAL things would you take with you?
Replies: 34
Views: 1243

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
Mon Feb 16, 2015 8:17 am
 
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 57
Views: 3202

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
Tue Feb 03, 2015 10:27 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 4222

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 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Analyze a 3 Fund Portolfio for friend
Replies: 7
Views: 724

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 11:56 am
 
Forum: Investing - Theory, News & General
Topic: What's wrong with volatility if buy&hold
Replies: 52
Views: 3482

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
Mon Jan 26, 2015 11:47 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 179261

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
Tue Jan 20, 2015 5:12 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 179261

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...
by Chan_va
Fri Jan 02, 2015 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Bunn trifecta (coffee maker)
Replies: 8
Views: 933

Re: Bunn trifecta (coffee maker)

After years of experimenting with everything from chemex to the aeropress and evertything in between, I have got to the point where I just want to sit back and have a machine make me a consistently great cup of coffee. Came across the bunn trifecta. http://www.amazon.com/Bunn-O-Matic-Bunn-Trifecta-...
by Chan_va
Fri Jan 02, 2015 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Bunn trifecta (coffee maker)
Replies: 8
Views: 933

Bunn trifecta (coffee maker)

After years of experimenting with everything from chemex to the aeropress and evertything in between, I have got to the point where I just want to sit back and have a machine make me a consistently great cup of coffee. Came across the bunn trifecta. http://www.amazon.com/Bunn-O-Matic-Bunn-Trifecta-M...
by Chan_va
Fri Jan 02, 2015 10:42 am
 
Forum: Personal Consumer Issues
Topic: Bunn trifecta (coffee maker)
Replies: 8
Views: 933

Re: Best watch for around $5,000?

Most watch aficionados will agree that the finish and quality of a grand seiko is on par with a Rolex or better. It's really a subjective call. I like the rarity and look of it, and the quality of the movement is higher (one of the very few automatics to beat at 10 times a second). I am not a watch...
by Chan_va
Sun Dec 28, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 179261

Re: Best watch for around $5,000?

Petrocelli, Your post was the final push I needed to pull the trigger on a watch I have been lusting after for years. Placed the order today. The Grand Seiko Hi-Beat for roughly $5K. That's a beautiful watch. I am curious why you wouldn't spend a little more and get a Rolex. Why did you choose the ...
by Chan_va
Sun Dec 28, 2014 6:55 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 179261

Re: Best watch for around $5,000?

Petrocelli, Your post was the final push I needed to pull the trigger on a watch I have been lusting after for years. Placed the order today. The Grand Seiko Hi-Beat for roughly $5K. I am curious why you wouldn't spend a little more and get a Rolex. Why did you choose the Seiko? Both are fantastic ...
by Chan_va
Sun Dec 28, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 179261

Re: What Movie Have You Recently Watched?

Watched 'The Gambler'. May have been the worst movie I have ever watched. I would try and summarize it for you but the trauma of recalling the experience would be too great.
by Chan_va
Sun Dec 28, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 561
Views: 68338

Re: Best watch for around $5,000?

Petrocelli,

Your post was the final push I needed to pull the trigger on a watch I have been lusting after for years. Placed the order today. The Grand Seiko Hi-Beat for roughly $5K.

Image
by Chan_va
Sun Dec 28, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 179261

Re: I think I just got a $5,000 watch for Christmas

Who officially certifies that it's a "Superlative Chronometer" by the way? That's an awesome phrase. The 'chronometer' designation is given to a movement if it passes a set of tests administered by COSC, which is the official swiss watch testing institute. Rolex tacks on the words 'superl...
by Chan_va
Fri Dec 26, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 179261

Re: Best way to pay my parents back

You should at least inflation adjust the amount you give back.
by Chan_va
Thu Nov 27, 2014 8:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to pay my parents back
Replies: 7
Views: 1261

Re: Valuation of EE Savings Bonds

I don't know what the right answer is, and maybe there isn't one, but here is another way to skin the cat. Consider this thought experiment. Assume I have been buying $10,000 worth of EE bonds every year since 1996. (For simplicity, assume that they all have a fixed rate of 0% and double after 20 ye...
by Chan_va
Wed Nov 26, 2014 10:06 am
 
Forum: Investing - Theory, News & General
Topic: Valuation of EE Savings Bonds
Replies: 48
Views: 4187

Re: Safe Withdrawal Rates - Is the 4% rule still good?

To the OP: I believe the 4% SWR rule is dead for those planning for a 40-year retirement. I am 49 and planning on 2.5% SWR. 2.5% over 40 years would work even with a 0% real return. I think that's overly conservative. Remember that the 4 most dangerous words are 'this time it's different'. People a...
by Chan_va
Wed Nov 26, 2014 7:10 am
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rates - Is the 4% rule still good?
Replies: 84
Views: 8130

Re: Favorite nonfiction books

If you are interested in travel memoirs, modern history, or just enjoy being immersed in a foreign land, you must read Ryszard Kapuściński. His writing is simply sublime.
by Chan_va
Tue Nov 25, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 10530

Re: Eliminating my tip fund~alternatives?

If there are others out there who would be willing to look at my follow-up question, crazy or not, as to splitting Tips, S-T with Intermediate-Term~50/50, I would appreciate your take. :o Thanks, Bill I'm willing. I've read on other posts that investing in two nominal bond funds 50/50 as you mentio...
by Chan_va
Tue Nov 25, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Eliminating my TIPS fund~alternatives?
Replies: 12
Views: 1347

Re: Proposed Lifetime Retirement Investment Approach

Money is fungible. If you have $100 in equities, and add $10 in bonds in new money, it is the same as shifting $10 from the $100 from equities to bonds, and adding $10 in equities (in tax deferred/free accounts). What you are proposing is a pretty standard glide path - maybe a bit more aggressive th...
by Chan_va
Fri Nov 21, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proposed Lifetime Retirement Investment Approach
Replies: 28
Views: 2956

Re: How Not to Retire

Me thinks a little perspective is in order for this gentleman. I grew up in the middle of grinding 3rd world poverty. He travelled through Europe for decades. He now has a roof over his head. A guaranteed income stream. Guaranteed healthcare. Decent clothes. A laptop. A cellphone. He can afford to b...
by Chan_va
Mon Nov 17, 2014 6:46 am
 
Forum: Personal Finance (Not Investing)
Topic: How Not to Retire
Replies: 67
Views: 9686

Re: Not qualified for my job - what to do?

Most stuff can be learned. As a manager I am looking for common sense and initiative. It is likely that the new GM is as clueless as you are. Take this opportunity to create a plan and show initiative. Part of your plan should be to keep that consultant on for longer. If you provide some details on ...
by Chan_va
Fri Nov 14, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 5509

Re: 30% In International Stocks?

I wholeheartedly agree that "past performance is not a guarantee of future returns". As it is, U.S. stocks are currently going through the roof whereas International stocks aren't doing so well. This coupled with the fact that in the next decade International stocks are projected to be do...
by Chan_va
Wed Nov 12, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 59
Views: 7093

Re: I want to be a millionaire, please critique my plan

oleblue - thanks for your service.

Remember to factor in inflation. To have the equivalent of $1M today, you will likely need to have on the order of $1.5M 15 years from now. Still doable on your plan.
by Chan_va
Wed Nov 12, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: I want to be a millionaire, please critique my plan
Replies: 26
Views: 4733

Re: How does AAP get affected by rotating equity into defens

Keep the end goal in mind - you are retiring and want to protect what you have. You are asking -"how can I make the equity portion of my portfolio more defensive (conservative)". Why not ask -"how can I make my portfolio more defensive (conservative)" If you rephrase the question...
by Chan_va
Wed Nov 12, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: How does AAP get affected by rotating equity into defensive
Replies: 3
Views: 455

Re: If your networth is over $3 million, how did you do it?

Folks, the nature vs. nurture debate is as old as thought itself. We are unlikely to add much to a field that people from Plato to a thousand geneticists, social scientists and others have pondered. I suggest we go back to the OP's original question regarding how you personally achieved this goal.
by Chan_va
Wed Nov 12, 2014 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 301
Views: 46797

Re: International Stock Diversification — A New Look

A simple way to avoid all the confusion is the buy VT, the Vanguard Total World Stock ETF. Rick Ferri This is what I do. Well, yes and no. If you want your portfolio to be cap weighted, yes. However, what this data is showing is that if you want to be revenue weighted, then no - you would weight US...
by Chan_va
Wed Nov 12, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 57
Views: 8000

Re: Amazon Echo (Alexa)

Not on the waiting list, and don't know much about it. But I am a sucker for new gadgets. Question for those who do know more - What does it give you that Google Now or Siri don't?
by Chan_va
Tue Nov 11, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 50
Views: 8023

Re: What if....?

The problem is that your definition of "significant" keeps going up with your portfolio. So, I prefer to think of it in % terms. So if I reword your question to: "What would you do if your portfolio went up 30% in a year due to market returns?" I guess it reveals my glass half em...
by Chan_va
Tue Nov 11, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: What if your investable assets rise significantly?
Replies: 19
Views: 2261

Re: Food Frugality: Where do you draw the line?

I will spend money on good coffee and good beer.
by Chan_va
Tue Nov 11, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 7762

Re: International Stock Diversification — A New Look

Let me ask it another way: At 100% US, I have 60% revenue exposure to the US. I go to 50% US / 50% Cash ---> now I have 30% exposure. How does 50% US / 50% Int give me 28% exposure? No, the equity portion of your portfolio still has 60% revenue exposure to the U.S. economy. Look again at the pie ch...
by Chan_va
Mon Nov 10, 2014 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 57
Views: 8000

Re: Advice please [Received large commission check]

Michael, congrats on the sale. I used to work in sales as well, and remember the thrill of a large check. However, trying to time the dip is a proven futile endeavor. There are vastly more scenarios where you will be wrong than right. I recommend just DCA'ing the amount over a few months. Also, what...
by Chan_va
Fri Nov 07, 2014 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice please [Received large commission check]
Replies: 20
Views: 2242

Re: Tough spot, decided to lease a car

Good luck techno fox. Don't get too disheartened by the posters. We all make mistakes and it looks like you are taking the right steps.
by Chan_va
Thu Nov 06, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 15158

Re: 22, I want to be rich, looking for a high reward fund

You won't get rich from investing and having a low value of human capital. The ones that said you need to find a high income career (or business owner) are right. You are wrong about that, it's all about savings rate. I don't know if links are allowed here but: http://finance.yahoo.com/news/27-year...
by Chan_va
Thu Nov 06, 2014 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6920

Re: Investing when one spouse is older

If the husband is 12 years older than the wife, and given the different life expectancy of men and women, it is likely that the wife will have to manage finances on her own for a significant amount of time. I would involve her closely in the planning process and all financial matters (which you shou...
by Chan_va
Thu Nov 06, 2014 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing when one spouse is older
Replies: 10
Views: 1060

Re: Seasonal Indexation Impacts in TIPS Prices and Yields

Thanks mindbogle. Interesting stuff, and also goes to prove how efficient the bond market is.

In your last plot, why does the yield curve slope downward in the very beginning (upto about a year)?
by Chan_va
Thu Nov 06, 2014 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: Seasonal Indexation Impacts in TIPS Prices and Yields
Replies: 26
Views: 2851

Re: Buying Pearls

This is just a personal opinion, but since you aren't sold on pearls yet and asked for opinions - I think the process of creating and harvesting pearls is inhumane. If you want to stick with jewelry, I would stick with a classic conflict free diamond. Better still, spend the money on a trip to go se...
by Chan_va
Thu Nov 06, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Buying Pearls
Replies: 24
Views: 2047

Re: I have seen the enemy and it is me. Reluctance to inves

Grateful, Don't underestimate the pernicious nature of inflation. It steadily eats away at your portfolio - you don't notice it, but it has serious long term implications. You are conservatively invested to reduce stock market volatility, but your portfolio is risky in terms of exposure to inflation...
by Chan_va
Thu Nov 06, 2014 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have seen the enemy and it is me. Reluctance to invest
Replies: 29
Views: 3453

Re: Keep it or trade it in.

The brakes and tires are normal wear and tear. But the leaking head gasket is odd. If it is in the same area, and you fixed it earlier this year, the service typically should have some sort of warranty on it - for at least a year. You should ask the dealer to fix it for free.
by Chan_va
Thu Nov 06, 2014 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Keep it or trade it in.
Replies: 5
Views: 588

Re: International index

It's interesting that the UK is listed at 15% of the fund, whereas Germany is only at 5.8%. I assume that's due to a lot of German companies preferring to list on the London exchange?
by Chan_va
Thu Nov 06, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: International index
Replies: 4
Views: 418

Re: iBonds at zero % fixed

If you are in the 15% marginal tax bracket when you withdraw in 2034, the fixed rate on your 2014 iBond needs to be about 0.8% to break even after taxes. If you are in the 25% marginal tax bracket [ it ] needs to be about 1.4% ... These numbers are not very sensitive to inflation assumptions in the...
by Chan_va
Thu Nov 06, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9924

Re: New Amica discounts available

Quidnam wrote:Essentially, you can look at the quoted price for the dividend policy and anticipate getting 20% of that back at the end of the year:
http://www.amica.com/products/dividend.html


Thanks - how much more are the premiums on a dividend policy usually compared to a normal policy?
by Chan_va
Thu Nov 06, 2014 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Amica discounts available
Replies: 26
Views: 2944
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