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Re: [residential] Solar Panels [in CA]?

I disagree with Hardknocker on the Prius vs an Outback.I do not know how you figured that but I can buy a new Prius original size for under 21k and the gas mileage is almost double.The Prius is also an excellent all around car.
by hoops777
Sun Jul 20, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: [residential] Solar Panels [in CA]?
Replies: 22
Views: 1796

Re: Ways to lose money and destroy personal wealth by invest

Ego and thinking you are smarter than the market or listening to someone who thinks he is smarter than the market.
by hoops777
Thu Jul 17, 2014 10:24 pm
 
Forum: Investing - Theory, News & General
Topic: Ways to lose money and destroy personal wealth by investing
Replies: 81
Views: 9526

Re: Brokered CD's vs Bonds

I bought the 10 year cd in my IRA instead of Treasuries at 3.4 several months ago.There are a lot of difficult choices out there and NONE of them are what you would call feel good choices.I have come to terms with it pretty much and accept the fact of puny returns without stock market risk.
by hoops777
Sun Jul 13, 2014 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: Brokered CD's vs Bonds
Replies: 24
Views: 2702

Re: Brokered CD's vs Bonds

ArthurO....I agree with your philosophy but have to say the market can make you rich or much poorer depending upon how you invest.My introduction to investing was in the late 90's during the internet boon.....believe me when I say the market can do both...but that was gambling much more than investi...
by hoops777
Sun Jul 13, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Brokered CD's vs Bonds
Replies: 24
Views: 2702

Re: Brokered CD's vs Bonds

If you are investing in a cd for the rate and term with no intent to sell early than whichever has a higher rate of return.Once you play games with interest rates rising and trying to sell than good luck with your choice.It is really pretty simple if you buy and hold.
by hoops777
Fri Jul 11, 2014 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: Brokered CD's vs Bonds
Replies: 24
Views: 2702

Re: The Risk of Short-term Bond Funds

These last couple of posts should be automatically posted on every bond thread talking about the dreaded interest rate risk.I cannot believe how much time is wasted and stress created by this subject.I have been guilty of not seeing the simplicity of the facts and invested too heavily in short term ...
by hoops777
Mon Jul 07, 2014 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10785

Re: The Risk of Short-term Bond Funds

Call me op....I have very little in taxable money....most in my SEP.What I do have is in two 30 year Muni's yielding 5.1 and the rest mostly in Vang intermediate muni fund.I am in full protection mode and have given up a lot of gains but feel at peace with my decision.I own a small mom and pop busin...
by hoops777
Sun Jul 06, 2014 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10785

Re: The Risk of Short-term Bond Funds

Got so frustrated with the back and forth on interest rates and bond funds that I plucked down a good amount on 10 year brokered CD's at Vanguard a few months ago at 3.4 in my IRA acct.It is strange to say this but I hope that it was a mistake in hindsight down the road,but I can live with 3.4 in a ...
by hoops777
Sat Jul 05, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10785

Re: TV show recommendations?

Been catching up on 24.....I am enjoying it.Jack is back and he is SERIOUS.
by hoops777
Sat Jul 05, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 120233

Re: Valuing a personal residence for net worth purposes

Sometimes you guys drive me crazy.It is really fairly simple to do a little research and get a very reasonable ball park estimate of your home's value.Zillow is totally inaccurate.Nobody can tell you to the penny but you can get real close if you are in a normal house and neighborhood.If you live in...
by hoops777
Sat Jul 05, 2014 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 4026

Re: The Risk of Short-term Bond Funds

Livesoft....Yes I have been happy with my GNMA and plan to keep it forever.Just a little tired of the market and all of the hype that is involved.
by hoops777
Fri Jul 04, 2014 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10785

Re: The Risk of Short-term Bond Funds

I was not referring to you.You are very consistent with the advice you give.
by hoops777
Fri Jul 04, 2014 8:26 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10785

Re: The Risk of Short-term Bond Funds

Like everything else in the market a lot of ifs....If rates had gone up substantially there would be a different tone here....but they did not so many have the hindsight of being very smart.It does go to show once again how the experts are not very good at predictions.
by hoops777
Fri Jul 04, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10785

Re: Fed up with ATT

I switched to Ooma a year ago.It is ok.Sometimes it can be annoying but it gets the job done.I have AT&T for internet and Directv.I grew tired of playing the switch provider game and am happy with Directv and put up with AT&T.I have no problem paying about $100 a month for Directv when you c...
by hoops777
Mon Jun 30, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 48
Views: 3927

Re: Fed up with ATT

IlliniDave....just curious....you stated in one post you should drop your internet because it is a distraction and in a second post you would like to drop your TV and Netflix.You must read a LOT. :happy
This thread has proved just how thrifty Bogleheads are......and I mean REALLY thrifty.
by hoops777
Sun Jun 29, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 48
Views: 3927

Re: What Do You Eat For Snacks?

I have been a health nut and read every label,etc,etc.I have come to the conclusion that the best path for most people is to eat real foods....fruits,veggies,whole grains,nuts,fish,turkey,chicken in moderation.Avoid processed foods as much as possible.Do not drink soda.Some grass fed beef will not k...
by hoops777
Fri Jun 20, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6448

Re: What Do You Eat For Snacks?

Great breakfast......Real oatmeal,no sugar and mix in blueberries,walnuts,almonds and cinnamon.Use a lot of blueberries.One of the healthiest breakfasts or snack you can eat.I use frozen blueberries because they are cheaper and always available.Put them in a bowl the night before and put them in the...
by hoops777
Wed Jun 18, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6448

Re: What Do You Eat For Snacks?

I eat very healthy so I try to avoid junk food and processed foods as much as possible.I recently discovered dates.I love them....very sweet and good for you.Research the health benefits.I was surprised.
by hoops777
Wed Jun 18, 2014 7:11 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6448

Re: Get 6.8% return on HSA savings?

Congrats Livesoft you can now buy half a sandwich at a good deli :D
by hoops777
Wed Jun 18, 2014 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get 6.8% return on HSA savings?
Replies: 13
Views: 1488

Re: The 2 comma paradox

When I was 42 I had less than 5000 in total savings and no investments.If someone told me in 20 years I would have a million dollars and a paid off house I would gave told them they were absolutely nuts.To top it off I have done a horrible job of investing.....horrible.Right now I do not want to los...
by hoops777
Sat Jun 14, 2014 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14485

Re: The 2 comma paradox

No argument here.My only point was 10 m is not a small portfolio.99.99 % of the people in the world could invest it in treasuries or even put it in a zero interest bank account and live a very comfortable life.One could withdraw 200k a year for 50 years.
by hoops777
Fri Jun 13, 2014 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14485

Re: The 2 comma paradox

Arthuro.....yes it is all relative but I doubt there is one person on this entire Boglehead site who would say a 10 m dollar portfolio is small.....besides you :D Not trying to argue but your comment was a little out there that's all.Buffet or Gates would not say it was small.It is small compared to...
by hoops777
Thu Jun 12, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14485

Re: The 2 comma paradox

Arthuro wrote small portfolios 100k up to 10m......10m is a small portfolio?You must live on the most expensive block in the most expensive city in the universe :D
by hoops777
Wed Jun 11, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14485

Re: The 2 comma paradox

I think people's attitude toward their money is really influenced by how they grew up.?....poor,middle class,whatever.My fear is ending up like my parents with 0 in the bank at the end and stressing out at 80 about having enough money.Because of that,I have become super conservative and missed the g...
by hoops777
Wed Jun 11, 2014 7:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14485

Re: Bonds - Throw it all on the table!!!

Today's Ibonds certainly are not very exciting.I am really uncertain about how wise it us to buy them at these rates.I had my wife buy $30,000 in 2002 when the base rate was 3 pct.Very happy with that but .10 or 0 is not a great investment.They are safe though.
by hoops777
Tue May 27, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 135
Views: 14955

Re: TV show recommendations?

SOOOOO thankful for my Directv Genie DVR which enables me to watch way too much tv..... In no particular order current shows....NCIS,Good Wife,Modern Family,White Collar,Game of Thrones,Scandal,Amazing Race,Survivor,Person of Interest,Arrow,Orphan Black,24,Suits,Grimm,Shark Tank,Blue Bloods,Marvel A...
by hoops777
Fri May 23, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 120233

Re: Monthly Budget Comparison

Not trying to be overly critical,but if you really made the effort you could save probably $300 a month on food.Is there a Costco in your area?Eating well and eating healthy for less money takes a little effort and is worth the extra time health wise and savings wise.I use to eat fast food all of th...
by hoops777
Wed May 21, 2014 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Monthly Budget Comparison
Replies: 86
Views: 4720

Re: Electrical question

The ideal would be to have solar panels and electric vehicles,but not realistic right now.Need one car with unlimited range.
by hoops777
Mon May 19, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Electrical question
Replies: 24
Views: 2121

Re: Electrical question

Jimb....We are not buying the gas back-up option.We will be using it as a second car and for our purposes the range is far enough.I am a big believer in BMW and these have been in Europe for a year or so.I have not found one really negative thing in any research or reviews other than a little pricey...
by hoops777
Sun May 18, 2014 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Electrical question
Replies: 24
Views: 2121

Re: Electrical question

Thank you for all of your great posts and information.We are buying a BMW I3.Pretty pricey but with the Fed tax credit and Ca rebate it reduces the cost down to about 36,000 plus tax including the couple of options we added.My house was built in 89 and we added a 240 a few years ago,for a jacuzzi tu...
by hoops777
Sun May 18, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Electrical question
Replies: 24
Views: 2121

Electrical question

We are buying an electric car.What is the difference in energy usage between using a 240 for 3 hours or a 120 for 18 hours to charge the battery daily?We are going to get a 240 but curious about power consumption and cost.
Thanks.
by hoops777
Sat May 17, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Electrical question
Replies: 24
Views: 2121

Re: 5-Year 3.05% APR Annuity - Worth Exploring?

Thank you.Another thing to be confused about.That is quite a gap between the two.
by hoops777
Sat May 17, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: 5-Year 3.05% APR Annuity - Worth Exploring?
Replies: 18
Views: 1530

Using Roth conversion for $7500 tax credit?

I had another topic on this but wanted to change the Headline to make it more geared to the Roth question....Buying an electric car with a $7500 tax credit.If I do not owe any taxes or owe less than $7500 can I do a Roth conversion to increase my taxes owed to use the tax credit in its entirety?Than...
by hoops777
Sat May 17, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Using Roth conversion for $7500 tax credit?
Replies: 1
Views: 297

Using Roth conversion for tax credit

Thanks madbrain.I will talk to the dealer about it.
by hoops777
Sat May 17, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: EV 7500 dollar tax credit [Electric Vehicle]
Replies: 4
Views: 710

Re: EV 7500 dollar tax credit [Electric Vehicle]

Thanks madbrain.We differ on BMW but appreciate the info.My wife will be driving it mostly and she will never need to go more than 70 miles.If we go somewhere longer we will take my car....a 2007 Prius with 105,000 and runs like a charm. Still hoping there is a tax guy out there about the Roth conve...
by hoops777
Fri May 16, 2014 11:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: EV 7500 dollar tax credit [Electric Vehicle]
Replies: 4
Views: 710

Re: 5-Year 3.05% APR Annuity - Worth Exploring?

I am talking about the SEC yield....Oh well another debate to be had another day.
by hoops777
Fri May 16, 2014 10:53 pm
 
Forum: Investing - Theory, News & General
Topic: 5-Year 3.05% APR Annuity - Worth Exploring?
Replies: 18
Views: 1530

Re: 5-Year 3.05% APR Annuity - Worth Exploring?

Still do not see a symbol....
by hoops777
Fri May 16, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: 5-Year 3.05% APR Annuity - Worth Exploring?
Replies: 18
Views: 1530

EV 7500 dollar tax credit [Electric Vehicle]

I am thinking of buying a BMWI3 which has a fed tax credit of $7500.The dealer has no forms or information regarding the credit.Where do you obtain the forms if any?Also I understand that if you owe only 2000 in taxes then your credit is 2000,period.I am wondering if I can do a Roth conversion to us...
by hoops777
Fri May 16, 2014 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: EV 7500 dollar tax credit [Electric Vehicle]
Replies: 4
Views: 710

Re: 5-Year 3.05% APR Annuity - Worth Exploring?

Sorry....there is no intermediate tax free fund at Vanguard yielding 3 pct.Please supply the symbol because I was just on their site and It is under 2 pct.
by hoops777
Thu May 15, 2014 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: 5-Year 3.05% APR Annuity - Worth Exploring?
Replies: 18
Views: 1530

Re: 5-Year 3.05% APR Annuity - Worth Exploring?

There is no inter tax free fund paying 3.2%
by hoops777
Thu May 15, 2014 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: 5-Year 3.05% APR Annuity - Worth Exploring?
Replies: 18
Views: 1530

Re: for those interested in dividend strategies

Larry you are of course right but.....are not most of these companies like KO,MCD,PG etc. in the emerging markets as well as being very well diversified internationally?Also most dividend strategists probably have been fully invested for years and bought at much lower levels. I am not invested in th...
by hoops777
Thu May 15, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: for those interested in dividend strategies
Replies: 53
Views: 6775

Re: for those interested in dividend strategies

I was not saying it is a good strategy.I was explaining why people believe in it.I was not saying a portfolio of 5 stocks is a good idea.No matter how much one points out Kodak or a similar company that is no longer viable,that does not change the thinking that JNJ or MCD is not going anywhere.A per...
by hoops777
Wed May 14, 2014 10:37 pm
 
Forum: Investing - Theory, News & General
Topic: for those interested in dividend strategies
Replies: 53
Views: 6775

Re: for those interested in dividend strategies

Let me pick 5 at random.....AT&T,KO,JNJ,MCD AND PG.....Not all but a good number of people feel comforted investing in well known companies with a long history whose products they actually use or understand.If you invested in these 5 very well respected companies equally just because you wanted ...
by hoops777
Wed May 14, 2014 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: for those interested in dividend strategies
Replies: 53
Views: 6775

Re: for those interested in dividend strategies

Thank you Larry.I think I said that myself in my layman terminology when I said that the returns were because of the solid blue chip companies not because of the dividends.People attribute the successful returns to the dividends instead of just being a well run business with good products or services.
by hoops777
Sun May 11, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: for those interested in dividend strategies
Replies: 53
Views: 6775

Re: for those interested in dividend strategies

This argument will never be settled.People who own blue chip dividend paying companies and hold through thick and thin will always do well,because these are high quality companies,not because of the dividends.The mental part about not having to sell shares in a down market will always be there and m...
by hoops777
Sun May 11, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: for those interested in dividend strategies
Replies: 53
Views: 6775

Re: "Investors, How Dumb Are You?"

Oh could I share some investing horror stories to define just how dumb someone can be but I choose not to humiliate myself. :D
by hoops777
Sat May 10, 2014 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: "Investors, How Dumb Are You?"
Replies: 51
Views: 6125

Re: Thank you, Taylor Larimore!!!

Thank you Taylor for the wonderful poem and for all you have done and continue to do for everyone here in Boglehead Land. :happy
by hoops777
Wed May 07, 2014 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: Thank you, Taylor Larimore!!!
Replies: 29
Views: 4030

Re: Getting Your Retirement Right

You said since we are about to have a bull market?I am shocked you did not get pilloried for that one :happy Anyway,what kind of market have we been in the last 5 or 6 years?
by hoops777
Tue May 06, 2014 7:12 pm
 
Forum: Investing - Theory, News & General
Topic: Getting Your Retirement Right
Replies: 36
Views: 5254

Re: cd ladder distribution

I was going to buy those PenFed 5 yr at 3%....a great deal 5or6 months ago but I did not want the hassle.Bought ten yr at Vanguard at 3.4.If Pen Fed has a great deal again I will do it at the end of the year.I was thinking of doing all of the paperwork well in advance this time.Would be happy with a...
by hoops777
Mon May 05, 2014 10:33 pm
 
Forum: Investing - Theory, News & General
Topic: cd ladder distribution
Replies: 12
Views: 1167

Re: What's your number?

Beck master...I fully understand what you are saying.I cannot move because of our first grandchild coming soon and I do not have to move.I also own a business.If I was 68 and not working and needed to move to live a decent quality of life I would move without hesitation.
by hoops777
Sat May 03, 2014 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31555
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