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Re: Loaning money to invest?

Is the 3% rate fixed or variable? Leveraging fixed mortgage rates are market timing that rates will increase and you will benefit from that. Variable rates will increase and carry interest rate risk. Current margin rates are around 1-2% variable, which are around half your personal rate. I would con...
by inbox788
Fri Oct 24, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Loaning money to invest?
Replies: 13
Views: 1189

Re: Smartphone questions

I guess I should chime in with a plug for Ptel. ... It is their Real Paygo plan, which uses the T-Mobile network, so you need to make sure T-Mobile covers your area well. They charge 5 cents per minute, 2 cents per txt and 10 cents per megabyte of data. Thanks! It might be the solution I was lookin...
by inbox788
Wed Oct 22, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 63
Views: 3760

Re: Smartphone questions

You're spending a lot on the data plan, so don't be cheap about the phone you buy. Saving a hundred or two on a two year expense of over $1000 is penny wise pound foolish. The total cost of the transaction isn't really relevant. $100-$200 is real money and requiring any product to 'earn' its premiu...
by inbox788
Wed Oct 22, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 63
Views: 3760

Re: IBM: Stock Buybacks Gone Wrong?

That is some list of alternative investments you present for them! I guess they had no choice but to buy IBM stock. Maybe they should have bought Apple stock instead? You mean Apple should buy IBM? IBM market cap $160B Apple cash on hand $160B Companies don't usually buy stock in other companies, e...
by inbox788
Wed Oct 22, 2014 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3745

Re: IBM: Stock Buybacks Gone Wrong?

There is an interesting article in today's NYT (The Truth Hidden BY IBM's Buybacks) about a much discussed and debated topic---Buybacks. The article points out that since 2000 IBM has spent $108 billion on buybacks while investing $59 billion on capital expenditures and $39 billion on acquisitions....
by inbox788
Wed Oct 22, 2014 2:10 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3745

Re: Smartphone questions

Interesting. I don't know a single person who has switched from Android to Iphone, but I know the other way around. My office used to be about 100% Iphone because our IT only supported integrating our email on IPhone. What is your sample size? You have to be more specific as to what model they're s...
by inbox788
Wed Oct 22, 2014 1:34 am
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 63
Views: 3760

Re: Bonds in taxable or tax advantaged?

If I am using a 2 Fund Portfolio (VTSMX/VTI & VBMFX/BND), with ETFs for both, and given the relatively low Bond yields, does it really matter which account (taxable vs. tax advantaged) to use for either fund? Thanks What is your tax bracket and what is the dollar volume you are talking about? L...
by inbox788
Tue Oct 21, 2014 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in taxable or tax advantaged?
Replies: 9
Views: 843

Re: best method of selling my car

Tax deductions aren't worth much anymore because you can really only take what the charity gets for it usually at autction as the deduction so no more inflated "market value" for junkers. I donated a 2008 Honda Fit last April 30th. The charity to which I donated the car received $7,000 at...
by inbox788
Tue Oct 21, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: best method of selling my car
Replies: 18
Views: 1033

Re: Overpaying student loan

WARNING! Additional payments are often misunderstood and misapplied by lenders. If you don't provide clear and specific instructions, they'll go to wrong accounts. And even when you do, they'll still often make mistakes. Why are you making overpayments? The usual reason is to reduce interest, but th...
by inbox788
Mon Oct 20, 2014 10:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Overpaying student loan
Replies: 31
Views: 2160

Re: Upgrading from Iphone 4s - 5s or 6?

I think it's time for me to upgrade. I have a 4s, and would like one of the newer phones to take advantage of some of the advances (like LTE) featured on the new Iphones. The $100 difference (w/ contract) is not a big deal, I actually prefer the smaller size of the 5s, since I keep my phone in my p...
by inbox788
Mon Oct 20, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Upgrading from Iphone 4s - 5s or 6?
Replies: 29
Views: 2254

Re: What happened to the audiophile?

People may not realize it, but, after all, an Apple iPod with the $29.95 earpods that come with it--and similar grades of equipment--are completely free from 60 cycle hum, hiss, ticks, pops, scratches, surface noise, wow, flutter, and rumble. They are extremely low in distortion. And the frequency ...
by inbox788
Wed Oct 15, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3700

Re: What happened to the audiophile?

Answer: PONO: see below. https://ponomusic.force.com/ Well clearly it's digital music. First it was CDs with digital music. http://electronics.howstuffworks.com/question487.htm http://mentalfloss.com/article/51704/do-records-really-sound-warmer-cds Then came MP3s with compression and eliminating som...
by inbox788
Wed Oct 15, 2014 1:33 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3700

Re: Electric Razors

Lon wrote:I need to get a new one and welcome suggestions. What do you like and why?

My kids love this one:

http://www.razor.com/products/electric-scooters/e100/

They have a lot of fun with it.
by inbox788
Tue Oct 14, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Electric Razors
Replies: 26
Views: 1865

Re: Help me not thinking about getting a brand new car

We are in the market for a car. We are looking into Honda CRV, 2010 or newer, 50,000 miles or less. I have been looking online and have been seeing listings like below: Year – mileage – listing price – kbb private party value 2011 - 16,680 - 16,499 - 16,466 2013 - 36,211 - 18,598 - 17592 2013 - 36,...
by inbox788
Mon Oct 13, 2014 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Help me not thinking about getting a brand new car
Replies: 16
Views: 941

Re: convenience vs cost (Vanguard vs NY 529)

Thank inbox788, I'm partial to Vanguard, thus my choices between Nevada & NY's 529. blevine, I have so many online accounts / passwords like you wouldn't believe. Every extra account I need to open is painful for me. So for my personal situation / preference, I'd rather just keep everything at ...
by inbox788
Mon Oct 13, 2014 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: convenience vs cost (Vanguard vs NY 529)
Replies: 8
Views: 927

Re: Smartphone plans and MMS

I found with my phone (android) I could not send MMS messages over WiFi with the phone. Had to turn data ON to do it. Not positive about receiving MMS sent to my cellphone number (don't think that worked either over WiFi) but you can receive them over WiFi if they are sent to your email address. Ho...
by inbox788
Mon Oct 13, 2014 8:17 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone plans and MMS
Replies: 11
Views: 812

Re: Do you rebalance now?

Yes, what goes down must come up.
by inbox788
Mon Oct 13, 2014 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you rebalance now?
Replies: 17
Views: 1464

Re: How much of your Emergency Fund would you lock up in CDs

1) You won't lose money in a CD. 2) Interest rates and risk/reward are so low in bonds, savings, ibonds, etc. that the maximum gains in the safest investments are very little. Any penalties will also be very little. 3) Emergency funds are generally unlikely to be tapped by most for long periods or e...
by inbox788
Mon Oct 13, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much of your Emergency Fund would you lock up in CDs?
Replies: 37
Views: 2688

Re: POLL : SP500 next : 1900 or 2200?

Under 1900 now. Good deal, now let's turn this baby around and head to 2200--all aboooooooooooard. Yeah! 2200 here we come. Now, just let me know, what's the turning radius for the S&P500? Didn't see it in the latest R&T or C&D. Next time someone could ask 900 or 3000 and well come back...
by inbox788
Mon Oct 13, 2014 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: POLL : SP500 next : 1900 or 2200?
Replies: 31
Views: 2991

Re: convenience vs cost (Vanguard vs NY 529)

Between ER of 0.16 & 0.21, difference is only $733.18 Between ER of 0.16 & 0.26, difference is only $1,480.05 I went with California Scholarshare TIAA-CREF because of these low fee funds. I kept it simple with 100% US Equity. It's another account, but I figured it was worth it. Index U.S. L...
by inbox788
Sat Oct 11, 2014 10:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: convenience vs cost (Vanguard vs NY 529)
Replies: 8
Views: 927

Re: Refinance ARM to 15 year fixed with 5 years left?

Why did you choose a 7 year ARM to begin with? "However, I realized that paying down the principal at this rate has a very poor return." Is this the only significant change since then? What is your plan for the better return with the alternative cash flow? What is your expected balance in ...
by inbox788
Sat Oct 11, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance ARM to 15 year fixed with 5 years left?
Replies: 8
Views: 788

Re: is anything 'cheap' out there?

Everything is 2% cheaper right now. Might be a little cheaper on Monday. Or not.

http://www.latimes.com/business/la-fi-w ... story.html
by inbox788
Fri Oct 10, 2014 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: is anything 'cheap' out there?
Replies: 54
Views: 5492

Re: POLL : SP500 next : 1900 or 2200?

Closed 1,928 today...

Was Sep 5, 2014 2,007.71

Didn't think it would be answered in as little as a month. Still may not be if we change directions...

Is this a closing price target or would an intraday trade decide it?

BTW, can I see how I voted? I forgot if I even did, but can't seem to vote now.
by inbox788
Thu Oct 09, 2014 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: POLL : SP500 next : 1900 or 2200?
Replies: 31
Views: 2991

Re: Headed for a 300+ point loss today?

It could be the beginning of a Really Bad Week... Or a Really Bad Month or a Really Bad Year... Right now it's at 16,737.44 Here's where it's been recently: Oct 1, 2014 16,804.71 Sep 2, 2014 17,067.56 Aug 1, 2014 16,493.37 Jul 1, 2014 16,956.07 Jun 2, 2014 16,743.63 More likely 6 months of up/down ...
by inbox788
Thu Oct 09, 2014 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28431

Re: AAPL

Good thing you're not posting in the GTAT thread :wink: If tomorrow my AAPL shares were worthless it would be disappointing but it wouldn't destroy me. I would still have 97% of my money. I've never even heard of GTAT. After reading about them for the past few minutes I wouldn't even be able to tel...
by inbox788
Thu Oct 09, 2014 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 178
Views: 38165

Re: Can you trade options for free?

There are many free trade promotions, but very few ongoing offers, and fewer. Wells Fargo used to provide 100 trades with some accounts, but I think they discontinued the program. Maybe your friend is hopping from promotion to promotion every quarter, like those interest free credit card offers. Yes...
by inbox788
Thu Oct 09, 2014 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Can you trade options for free?
Replies: 3
Views: 337

Re: Back Door Roth IRA Question

Is there spousal income? AFAIK, aside from more paperwork, there's no downside to doing the Backdoor Roth vs qualifying for Roth, other than the 5 year conversion period. I believe that 5 years begins with the last contribution, no? Just to clarify since you asked about spousal income. My wife does...
by inbox788
Wed Oct 08, 2014 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA Question
Replies: 19
Views: 988

Re: Back Door Roth IRA Question

I believe there are two 5 year rules, which is where some of the confusion comes from. Pretty thorough explanation here: http://www.kitces.com/blog/understanding-the-two-5-year-rules-for-roth-ira-contributions-and-conversions/ Bottom line: unless you're planning to take distributions from the Roth ...
by inbox788
Tue Oct 07, 2014 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA Question
Replies: 19
Views: 988

Re: Post disappeared before being posted

I use the preview button a lot - I don't think you can preview if you are not logged on (although there are times when your logon disappears and you have to do it again). And using preview seems to restart some kind of clock. It is very frustrating and has happened to many of us at least once. Take...
by inbox788
Tue Oct 07, 2014 7:26 pm
 
Forum: Forum Issues and Administration
Topic: Post disappeared before being posted
Replies: 20
Views: 1254

Re: 401k review - 39 female (Fidelity to Guardian)

Even with the extra 0.50% ER the 401k is worth using. wiki, "Expensive or mediocre choices" . Don't limit yourself to contributing just enough to get the match. Contribute as much as you can, on top of maxing your IRA contribution each year. These ERs of 0.55, 0.58 & 0.64% are high on...
by inbox788
Tue Oct 07, 2014 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k review - 39 female (Fidelity to Guardian)
Replies: 19
Views: 1016

Re: 401k review - 39 female (Fidelity to Guardian)

I was told on the down low that my company is switching 1) due to low company participation with Fidelity and 2) the smaller percentage that are enrolled with Fidelity complained of poor customer service. Does the extra expense ratio percentage go into Guardian's pocket? That's too bad. The Spartan...
by inbox788
Tue Oct 07, 2014 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k review - 39 female (Fidelity to Guardian)
Replies: 19
Views: 1016

Re: Should I go for RSU or Options?

I too doubt it's 1:1, but if it is, then the decision is easy, take the RSU. I expect it's around 5x in options depending on the strike price. Given 7 years, you could estimate a doubling in expected stock value as a starting point. Is there historic data? What is expected future growth? Pricing opt...
by inbox788
Tue Oct 07, 2014 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: Should I go for RSU or Options?
Replies: 15
Views: 928

Re: Back Door Roth IRA Question

I don't think the 5 year thing is that big a deal, since it only applies to gains, which should be relatively small, if any. Still, I though it was an annual conversion and each year pushes back the period. I haven't been doing it, but the more I learn about it, the more I think I should have been d...
by inbox788
Tue Oct 07, 2014 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA Question
Replies: 19
Views: 988

Re: Back Door Roth IRA Question

Is there spousal income?

AFAIK, aside from more paperwork, there's no downside to doing the Backdoor Roth vs qualifying for Roth, other than the 5 year conversion period. I believe that 5 years begins with the last contribution, no?
by inbox788
Tue Oct 07, 2014 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA Question
Replies: 19
Views: 988

Re: 401k review - 39 female (Fidelity to Guardian)

Why is the company switching? Doesn't look like it's for the benefit of the employees. How does the employer benefit? http://www.marketwatch.com/story/401k-fees-too-high-tell-the-boss-2014-05-05 New fees are too high for me. Stick with the IRA and Roth IRA. Use the 401k only up to the match and no m...
by inbox788
Tue Oct 07, 2014 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k review - 39 female (Fidelity to Guardian)
Replies: 19
Views: 1016

Bonds allocation in taxable or tax advantaged?

Does the location of bonds matter whether one is 3 or 30 years from retirement? Background For investors that exhaust their tax advantage space, there's been an ongoing debate whether the bonds should go in the taxable vs tax advantaged space: http://www.bogleheads.org/wiki/Principles_of_tax-efficie...
by inbox788
Mon Oct 06, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds allocation in taxable or tax advantaged?
Replies: 2
Views: 329

Re: Hyundai vs. Toyota

My Camry is 15 years old and the Check Engine light has been on for the past few months. This is not generally a problem, but I won't pass the required smog check unless I spend some money to get it turned off. It cost me a few hundred dollars two years ago to accomplish that - annoying how it's no...
by inbox788
Sun Oct 05, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Hyundai vs. Toyota
Replies: 45
Views: 4684

Re: Total world stock index

Don't ask me what's going on here. I don't know. Yes, the inception date of the fund is two days later than that of the ETF, but Morningstar's charts are supposed to be measuring from the same starting date. Obviously (?) some weird glitch that occurred in the first few days of the fund and ETF. Is...
by inbox788
Sat Oct 04, 2014 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total world stock index
Replies: 19
Views: 2406

Re: Slingbox to "Wire" TV two floors away?

I've found this to be a great solution to avoid rewiring the cable line in my living room: http://www.amazon.com/dp/B009DHPUDI/ref=pe_385040_30332190_TE_dp_1 The transmitter is connected to my cable box and the receiver connects to the TV. I have similar temporary need. For now, just using an OTA a...
by inbox788
Sat Oct 04, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Slingbox to "Wire" TV two floors away?
Replies: 18
Views: 1565

Re: Repair Van or buy new Van/SUV?

Many years ago, I had clunking sound when turning found to be CV joints on an old Accord. The independent mechanic wound up fixing the two sides in two different ways. Replace entire assembly on one side for around $150 parts and $100 labor, and just replace the boots and repack the joints with grea...
by inbox788
Sat Oct 04, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Repair Van or buy new Van/SUV?
Replies: 20
Views: 1450

Re: Moving to 3-fund - requires realizing large capital gain

My initial thoughts are that I should just sell it all right now, in 2014, and move to my desired allocation immediately (minus the roughly 30k I will need to set aside for taxes). People have suggested I wait until the next market correction to reduce the tax burden, but this seems like a poor dea...
by inbox788
Sat Oct 04, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving to 3-fund - requires realizing large capital gains
Replies: 34
Views: 2187

Re: Saving for Vehicle Replacement

Other: fuzzy mental accounting

I've been contributing the $500 monthly car payments mentally to a car fund for years, invested in taxable. By my accounting, over 7 or 8 years, there's enough to buy 2 new cars, or a really nice car.
by inbox788
Fri Oct 03, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Saving for Vehicle Replacement
Replies: 24
Views: 1433

Re: Do you deviate from the BH philosophy?

I think simplicity is overrated. If a simple portfolio works, fine. But I don't see it as being an end in itself. I like to think of the Einstein Principle: "A scientific theory should be as simple as possible, but no simpler. -- AlbertEinstein" (http://c2.com/cgi/wiki?EinsteinPrinciple) ...
by inbox788
Thu Oct 02, 2014 1:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 3828

Re: LED Flashlights

I get the cheap 3 packs at Costco for under $20. They work ok for general household use, around 200 lumens. For outdoor use, you might look at the larger 500 lumen ones. I don't like that they take 3 AAA, but I treat them as disposable and keep a bunch around the house. I use rechargeable batteries ...
by inbox788
Thu Oct 02, 2014 12:54 am
 
Forum: Personal Consumer Issues
Topic: LED Flashlights
Replies: 51
Views: 3685

Re: Help me divorce my Stocks

The stocks are 1/3 of my taxable portfolio, and about 1/5 of my total portfolio I'm also averse to selling BRKB, but who knows what will happen when Buffet leaves I'm in the same boat. I've done calculations and answer isn't clear. Sometimes, I get little difference other times, I get substantial u...
by inbox788
Mon Sep 29, 2014 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me divorce my Stocks
Replies: 16
Views: 1612

Re: rebalancing conundrum/paradox/irony

When stocks are dropping you have to buy more stocks. Agree, but that's not what's happening here. Stocks continue to rise to all time record highs, but not fast enough to offset fixed income contributions/gains. Is my risk determined by the percentage of portfolio invested in risky assets, or by d...
by inbox788
Sun Sep 28, 2014 1:20 am
 
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 83
Views: 5150

Re: Too many houses?

Jack FFR1846 wrote:To me, it sounds like instead of a vacation home, he needs to work as a handy man and get paid for his time.

Some people call that a hobby.
by inbox788
Fri Sep 26, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too many houses?
Replies: 23
Views: 3721

Re: EZ-Pass scam?

Do NOT click on these malware/scam emails. Besides downloading a virus, many of these sites track the email addresses, so you go from a random list of e-mail addresses to spam to a more selective list of e-mail addresses where a recipient is a person is foolish enough to click on links. Don't be sur...
by inbox788
Fri Sep 26, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: [phishing with fake] EZ-Pass [e-mail]
Replies: 15
Views: 1515

Re: S&P 500 guarantee without the annuity

You could buy downside protection, but at substantial cost. Right now, you could buy about 1 year LEAP/PUT for about 5%, but with volatility at record lows, chances are if we have a repeat of 2008, the cost may double or more. Your average return would have to outperform this constant drag from port...
by inbox788
Wed Sep 24, 2014 11:20 pm
 
Forum: Investing - Theory, News & General
Topic: S&P 500 guarantee without the annuity
Replies: 21
Views: 1888

Re: Bogleheads.org android / iphone app

I am browsing the site using a generic Android phone running 4.2.1 and it is fine for me. Usually when I browse "mobile" sites I end up using the "Desktop" version so I can see everything as they usually either rearrange it which is a work in process or eliminate large portions ...
by inbox788
Wed Sep 24, 2014 9:42 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org android / iphone app
Replies: 16
Views: 1398
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