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Re: Worth buying a smart phone if you already have one for w

Do you work for the State Department? Seriously, it all depends on how much your work cares about separating personal use. Some government agencies and private companies essentially forbid personal use. You might not even be able to make a call to tell someone you're going to be late at work. Many c...
by inbox788
Thu Mar 26, 2015 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Worth buying a smart phone if you already have one for work?
Replies: 25
Views: 2047

Re: Transition to retirement (passive income)

Need more information. How are you funding your retirement? Is your savings part of meeting your basic retirement needs or additional spending? Will you have heirs? How much do you want to leave them? https://www.bogleheads.org/wiki/Bogleheads%C2%AE_retirement_planning_start-up_kit Which of these su...
by inbox788
Tue Mar 24, 2015 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transition to retirement (passive income)
Replies: 3
Views: 443

Re: Fidelity Contrafund

http://www.advisorperspectives.com/newsletters15/An_In-Depth_Look_at_Fidelitys_Contrafund.php An In-Depth Look at Fidelity's Contrafund March 24, 2015 by Larry Swedroe Will Danoff Fidelity Contrafund Portfolio Manager on CNBC today http://video.cnbc.com/gallery/?video=3000364346 http://video.cnbc.co...
by inbox788
Tue Mar 24, 2015 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund
Replies: 28
Views: 3274

Re: Considering the new MacBook 12-inch Retina ...

I didn't need another laptop, but after seeing the keynote, I want one too. It's like seeing the first MacBook Air for the first time. I hope they come out with updates to the Air and Pro in this form factor before next year.
by inbox788
Mon Mar 23, 2015 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Considering the new MacBook 12-inch Retina ...
Replies: 11
Views: 1347

Re: Fidelity Contrafund

I like the idea of taking a risk to achieve a higher return on the small part of the portfolio, but in my early 40's not really too confident in this approach any more. FYI: You may want to visit the Biotech Tilt threads and see if you agree or disagree with the strategy. http://www.bogleheads.org/...
by inbox788
Mon Mar 23, 2015 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund
Replies: 28
Views: 3274

Re: Splitting a Food Tab on a Combined Birthday Lunch

livesoft wrote:Peter pays for everybody's lunches.


LOL! :D

You could just go to Denny's or IHOP and the birthday boys really get a free meal!

http://www.bradsdeals.com/blog/free-birthday-meals
by inbox788
Mon Mar 23, 2015 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 3751

Re: Does it make sense to pay off this mortgage?

When making a decision like this, some people stress over all the compromises, but when the feedback is so close, it means that its probably a fairly indifferent and insignificant decision. Since you're in the loan for 5-10 years, does it matter if it's 2005 or 2009? If only we had a way to tell, an...
by inbox788
Mon Mar 23, 2015 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to pay off this mortgage?
Replies: 24
Views: 2132

Re: refinance or pay down mortgage?

Why don't you refinance AND pay down the mortgage? All the accelerated pay down methods I've seen suggested has at least 2 or 3 years timeframe. ROI for refinance in many is only about 1 year. Unless you are paying off immediately, which I assume you don't have the cash lying around, or are planning...
by inbox788
Sun Mar 22, 2015 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: refinance or pay down mortgage?
Replies: 14
Views: 1482

Re: AAPL

Going into options expiration, option sellers are willing to sell short to drive the closing price lower taking losses on the sale of stock, but reducing their losses or making money on the expiring options. This doesn't always work, but sometimes they try. http://www.investopedia.com/terms/m/maxpai...
by inbox788
Sat Mar 21, 2015 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 213
Views: 46935

Re: In 39% Tax Bracket does a Roth make sense?

Rarely. I don't think anyone has mentioned the conditions necessary for this to make sense. I will first restate the obvious cases where it does and doesn't make sense. 1) Have you exhausted all your other tax advantage space, and this is additional tax advantage space in Roth? (i.e. Backdoor Roth) ...
by inbox788
Fri Mar 20, 2015 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: In 39% Tax Bracket does a Roth make sense?
Replies: 18
Views: 2932

Re: Will you buy an Apple Watch?

Apple is built on the vision of Steve Jobs, probably the top CEO in the history of the world, and his vision changed the world as we know it. It looks like the Steve Jobs "reality distortion field" is still in existence. Glad to see Google agrees. I searched Google for "top CEO in th...
by inbox788
Thu Mar 19, 2015 7:14 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17991

Re: Will you buy an Apple Watch?

I'd love a paper thin iphone if battery life didn't head towards zero. On both the watch and the phone, the display may be too big to carry around or too small to see well and one strikes a balance or compromise. These watches are the best compromises these companies have been able to come up with ...
by inbox788
Thu Mar 19, 2015 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17991

Re: Will you buy an Apple Watch?

I agree, I don't like the size or styling at all. And although I'm a guy with average-sized wrists, I don't like the current-ish trend of the chunky behemoth watches for men; they look tacky, and I don't like the weight. I also agree with others that as battery technology improves, smart watches wi...
by inbox788
Thu Mar 19, 2015 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17991

Re: 74% of car loans are subprime.

I'm surprised it's that high and find it a little hard to believe. Maybe it's just a particular segment of the market. Folks with poor credit who need transportation are stuck with double digit interest rates on used cars and dealers who repo upon first missed payment. Sometimes payments are demande...
by inbox788
Thu Mar 19, 2015 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: 74% of car loans are subprime.
Replies: 29
Views: 2017

Re: NYTimes on benefits of passive investing

My actively-managed tech fund did quite well from end-of-year 2004 to date (see my recent post). Giving credit where credit is due, a 339.5% increase from end-of-tear 2004 to date is not too shabby. As I noted in the other thread, recent returns have not kept pace, but I'm hardly tempted to jump sh...
by inbox788
Wed Mar 18, 2015 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: NYTimes on benefits of passive investing
Replies: 16
Views: 2879

Re: Do you still use currency or have you gone all-plastic?

Now from what I am reading is perhaps my plastic is going to be obsolete considering Apple iPay. Nope. Everyone does not use an iPhone for one thing. Apple Pay has been out less than a year and barely rolled out. My crystal ball doesn't see its failure so clearly. No technical limitation to tying a...
by inbox788
Tue Mar 17, 2015 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you still use currency or have you gone all-plastic?
Replies: 47
Views: 3211

Re: Do you still use currency or have you gone all-plastic?

I've bought 2 cents of gas with a credit card... I did same a long time ago, but not on purpose. Mobil was rolling out their Speedpass system where they linked a transponder to your credit card and put the box on the back windshield of the car. Once you did that, you could drive up to the pump, and...
by inbox788
Mon Mar 16, 2015 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you still use currency or have you gone all-plastic?
Replies: 47
Views: 3211

Re: Will you buy an Apple Watch?

No Apple watch, but I did buy a Pebble for $55. I imagine it's a time saver just because of the notifications, and if the apps I use, like evernote for grocery shopping and google calendar, are integrated well, it'll be totally worthwhile. http://imgs.xkcd.com/comics/is_it_worth_the_time.png Great ...
by inbox788
Mon Mar 16, 2015 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17991

Re: Will you buy an Apple Watch?

So no, I'm not buying the first generation, but I'm going to pay attention to how it evolves. Cook has been getting a lot of credit for the iWatch as a new category, but arguably this is the second or even the third Apple watch. Recall how the original iPod has evolved into 7 generations of iPod na...
by inbox788
Mon Mar 16, 2015 3:14 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17991

Re: Will you buy an Apple Watch?

Y e s when it matches a Casio price. http://edifice.casio.com/watches/EQB500D-1A This casio retails at $380, apple watch is a buy then? I didn't realize conventional watches were going after this market. A further link: EDIFICE - CASIO Out of curiosity, I went to the support site: Clearing Pairing ...
by inbox788
Mon Mar 16, 2015 2:58 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17991

Re: Will you buy an Apple Watch?

One thing that bothers me is by default the time is not displayed. If I can run a full day with the time always showing I will probably buy the sports watch. Watch Test Up to 48 hours Testing conducted by Apple in March 2015 using preproduction Apple Watch and software paired with an iPhone using p...
by inbox788
Sun Mar 15, 2015 7:00 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17991

Re: Will you buy an Apple Watch?

One thing that bothers me is by default the time is not displayed. If I can run a full day with the time always showing I will probably buy the sports watch. http://www.apple.com/watch/battery.html None of these times involves having the display on full time, which will likely drain the battery. An...
by inbox788
Sun Mar 15, 2015 6:59 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17991

Re: Will you buy an Apple Watch?

How resistant are these watches to water? My better half just (unintentionally) put his bluetooth-enabled pedometer through the washer. It's reporting an error and USB connectivity is hosed. I'm hoping that drying it out will fix it, but that's not guaranteed. At least we caught it before it went i...
by inbox788
Sat Mar 14, 2015 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17991

Re: Advice for New Investor w/ Tons of Graduate Debt

Many of my law school friends went with SoFi and rave about it. If you feel relatively secure, and aren't worried about losing some of the benefits associated with federal loans (most obviously being deferment), then refinance ASAP. ... The more you can throw at the loans, the better you will be at...
by inbox788
Sat Mar 14, 2015 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for New Investor w/ Tons of Graduate Debt
Replies: 33
Views: 2926

Re: The financier and the secretary. A true story.

There was a similar story about a secretary at Microsoft. She was asked if she would take stock options in lieu of pay. According to the story those stock options turned into about $14 million. I couldn't verify the story, I wonder if it is true. It is true that Microsoft made a lot of people wealt...
by inbox788
Sat Mar 14, 2015 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: The financier and the secretary. A true story.
Replies: 39
Views: 6114

Re: Fidelity Contrafund

You say it "treated you well" since 2003, but those kinds of words are sort of red flags. How thoroughly have you compared the fund's performance to alternatives? It seems like it beat index funds for a few years early on, and then largely tracked them (at higher costs). So you are bettin...
by inbox788
Sat Mar 14, 2015 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund
Replies: 28
Views: 3274

Re: Will you buy an Apple Watch?

...This product, not the Iwatch but smart watches in general, are not for me, because I can not figure how they could possibly benefit me and nobody here has been able to elucidate on that despite efforts. I know enough not to make any predictions, including predictions about usefulness. I don't. I...
by inbox788
Fri Mar 13, 2015 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17991

Re: Will you buy an Apple Watch?

...it's the idea that this (smart watches in general) is some revolutionary product. I'm really trying to understand what the buzz is about. I have only Apple stuff at home, but have lately grown tired of their exaggerated rhetoric proclaiming each new device or each iteration of an existing device...
by inbox788
Fri Mar 13, 2015 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17991

Re: Will you buy an Apple Watch?

It is interesting here, that people have passion for vanguard, and people don't ask "do you work there". Getting back to the OP - i do plan on buying a low end model of the iwatch, and I plan on upgrading every model along the way. I hope apps become available that make it do things that ...
by inbox788
Fri Mar 13, 2015 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17991

Re: Fidelity Contrafund

I just looked at the recent monthly holdings report (quickly). Its an interesting fund. The top ten holdings are usual suspects,hardly contra-anything, and there are many other significant holdings that fit a blue-chip profile. They also seem to have a large number of smaller % positions in what am...
by inbox788
Fri Mar 13, 2015 12:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund
Replies: 28
Views: 3274

Re: Fidelity Contrafund

Its an interesting fund. The top ten holdings are usual suspects, hardly contra-anything , and there are many other significant holdings that fit a blue-chip profile. The fund hasn't been "contrarian" since I've first been aware of it...around 1995. Part of my learning curve back then was...
by inbox788
Fri Mar 13, 2015 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund
Replies: 28
Views: 3274

Re: volatility ETF to hedge the falling stock risk

No. At best, it's an imperfect hedge, but it's costly (fees, spreads, risk). And it takes time and effort to figure out when to hedge, with unknown impact, and possibly negative value.

It's a lot simpler and usually less costly to just take risk off the table.
by inbox788
Fri Mar 13, 2015 11:39 am
 
Forum: Investing - Theory, News & General
Topic: volatility ETF to hedge the falling stock risk
Replies: 14
Views: 1073

Re: Time to buy up EUR?

Not recommended, but FWIW, I'm waiting for parity. I think it might overshoot a bit and hover with some volatility around parity for a while .9-1.2 for next 1-2 years, but what do I know? YMMV One way to buy Euro is via Euro ETF (FXE). Or if you want more exposure for short duration, ULE and URR. No...
by inbox788
Thu Mar 12, 2015 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to buy up EUR?
Replies: 30
Views: 2373

Re: Fidelity Contrafund

I held Contrafund for a decade until recently. Was one of the better funds available at the time, and when better index funds came along, I was slow to transfer. After watching a year of index outperforming Contrafund, I still wasn't eager to switch, so I switched piecemeal in 3-4 tranches over 1-2 ...
by inbox788
Thu Mar 12, 2015 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund
Replies: 28
Views: 3274

Re: Options Trading - very simple intro book wanted

A little knowledge is a dangerous thing. No "simple intro" book will teach you how to use options, and even experienced traders often lose. You shouldn't take lightly that Warren Buffett referred to derivatives as "financial weapons of mass destruction". What you're looking for w...
by inbox788
Thu Mar 12, 2015 3:50 am
 
Forum: Investing - Theory, News & General
Topic: Options Trading - very simple intro book wanted
Replies: 15
Views: 1297

Re: Retirement Option Question- SORRY LONG AND DETAILED

3. I was assuming a 10-12% return on long term investing. I guess as I neared retirement age I would start shifting into bonds which would lower my return assumption. I used a bankrate calculator ( $250,000 initial deposit, $2160 monthly deposits, 10% return for 15 years) and it came to $2M. With 7...
by inbox788
Wed Mar 11, 2015 7:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Option Question- SORRY LONG AND DETAILED
Replies: 9
Views: 1692

Re: Will you buy an Apple Watch?

Nope, I'm holding out for a Dick Tracy Wrist Radio.. I'm waiting for a Get Smart shoe phone. I assume you guys are kidding around, but they're already here. As far as the Dick Tracy Wrist Radio, it might be a 2-way radio or telephone. I don't see any reason why the iWatch can't support 2-way radio ...
by inbox788
Wed Mar 11, 2015 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17991

Re: Guest Bedroom TV: Small, Big or USB TV Tuner

My cable company requires boxes and charges for each box, and I have several seldom used TVs including a guestroom and another room without a cable connection. I've been trying out a number of cable cutting measures with limited content. A lot depends on the sophistication of the guest, but if they'...
by inbox788
Tue Mar 10, 2015 11:27 pm
 
Forum: Personal Consumer Issues
Topic: Guest Bedroom TV: Small, Big or USB TV Tuner
Replies: 27
Views: 1655

Re: ESPP as an insider

There was a post not too long ago talking about the fact that 25% of the stocks account for all of the gains (or something to that effect) historically. And that the median return was well below the market average. This is due to the non-normal distribution of gains (you can only lose 100%, you can...
by inbox788
Tue Mar 10, 2015 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: ESPP as an insider
Replies: 15
Views: 1146

Re: Will you buy an Apple Watch?

ipad (don't even know who was first) I was going to say Apple Newton, but this guy thinks it's the Psion Series 3: http://www.forbes.com/sites/ewanspence/2012/06/03/for-the-record-apples-newton-was-not-the-first-pda/ http://en.wikipedia.org/wiki/Psion_Series_3 And for folks that say the iPad is not...
by inbox788
Tue Mar 10, 2015 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17991

Re: ESPP as an insider

No... the 2 year 5% bonus is a "guaranteed" rate or return of 2.5%. (give or take). The total market is typically significantly better than that. Thee 15% "match" is a ~60% rate of return (assuming all money contributed 1/2 way during the buying period =? 15%x4. The total market...
by inbox788
Tue Mar 10, 2015 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: ESPP as an insider
Replies: 15
Views: 1146

Re: Will you buy an Apple Watch?

No, probably not this first generation Apple Watch. I like the design, but I suspect that they had to make too many compromises to get the size and battery life and sensors all acceptable. I'm a runner, and I'm interested in continuous HR monitoring, sleep monitoring, activity tracking, and GPS dis...
by inbox788
Mon Mar 09, 2015 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17991

Re: ESPP as an insider

I have the option to participate in an ESPP, which offers a quarterly 15% match on contributions up to $25k annually, provided that no withdrawals were made during the quarter. There are two lump sum windows in May and December. There is also another 5% bonus if you hold shares for two years. The c...
by inbox788
Mon Mar 09, 2015 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: ESPP as an insider
Replies: 15
Views: 1146

Re: Which 529 plan are you using?

I was going to go with Vanguard funds at NY, Utah, or Ohio, but found a couple of good index funds at California Scholarshare. Other funds not so good with fees, so see if you can live with the limited best choices. (i.e. EF 0.12-0.2 for passive funds like Index U.S. Equity Investment Portfolio 0.05...
by inbox788
Fri Mar 06, 2015 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which 529 plan are you using?
Replies: 49
Views: 2876

Re: Debt management strategy questions

From the investment side, things will be set up in a 70/30 (25% international) portfolio at Vanguard. ... Mortgage of $950K at 3.75% fixed which is deductible so well under 3% adjusted rate. Med school loans at $180K at 1.625% fixed. ... $120K into taxable per year into above portfolio. ... I have ...
by inbox788
Fri Mar 06, 2015 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Debt management strategy questions
Replies: 8
Views: 352

Re: List of favorite accounts

I am doing some laughing here because I do a lot of these or have heard of them. You can tell I spend a lot of time on Bogleheads. LOL By doing several of these things I am saving thousands per year. Most of these things take time and effort, yet yield under $100 from what I can tell. Which are the...
by inbox788
Thu Mar 05, 2015 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of favorite accounts
Replies: 31
Views: 5456

Re: What does a $1M portfolio look like?

I think "More funds is not the same thing as better diversification." is my issue. For example I sure wouldn't want all of my money in any single Vanguard fund . I tried to select ones that invest in different things with different strategies for a good diversity. How do you achieve bette...
by inbox788
Thu Mar 05, 2015 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does a $1M portfolio look like?
Replies: 64
Views: 9958

Re: HELOC vs Refi Strategy

What lender is offering 10 year 1.5% HELOC? Are you sure it's not prime+1.5% or some other index? If it's really 1.5% fixed for 10 years, take that and deal with future interest rates down the road. Just be sure to save/invest the savings and cash flow so that if rates do skyrocket in 10 years, you ...
by inbox788
Thu Mar 05, 2015 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELOC vs Refi Strategy
Replies: 7
Views: 582

Re: Safe investment for 1 year

Why wait? Depending on situation, it might not make much difference now vs. a year from now. What do you drive? What do you want to buy? Your current car is also depreciating. Also, new cars are generally slightly more fuel efficient. You also eliminate a potential repair of old car if you're unluck...
by inbox788
Thu Mar 05, 2015 12:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Safe investment for 1 year
Replies: 13
Views: 1248

Re: How to handle a defined benefit pension plan

Is this a private company or public entity? Both are reducing or eliminating pensions, so even if she vests in 7 years, it's possible they terminate/freeze the pension. The amount saved in the first 7 years before vesting is negligible, so I'd just ignore it. After vesting, it's probably worth aroun...
by inbox788
Wed Mar 04, 2015 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to handle a defined benefit pension plan
Replies: 12
Views: 1470
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