Search found 1550 matches

by inbox788
Fri Aug 28, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 65
Views: 6874

Re: Any [iPhone] "Apps" you like?

- Pocket. This app works on my Windows PC, my iPod Touch, and my 7" Google Nexus android tablet. It allows me to save internet articles to be read later. While surfing on my PC, for example, I came across an article from MarketWatch on 30 Reasons to Fall in Love with Index My favorite financia...
by inbox788
Fri Aug 28, 2015 1:31 pm
Forum: Investing - Theory, News & General
Topic: Where are John Bogle and Warren Buffett
Replies: 18
Views: 2232

Re: Where are John Bogle and Warren Buffett

From the horses mouth: http://www.cnbc.com/2015/08/28/jack-bogle-how-to-handle-the-markets-wild-ride.html He's down 1.5% personally 50/50 portfolio and not panicking. He's a fixture as usual. "It's just speculators not speculating on what they think is going to happen but what they think other ...
by inbox788
Fri Aug 28, 2015 11:48 am
Forum: Investing - Theory, News & General
Topic: Where are John Bogle and Warren Buffett
Replies: 18
Views: 2232

Re: Where are John Bogle and Warren Buffett

John Bogle interview coming up on CNBC (teaser). I expect he'll tell us to pick the bottom, get in now into the energy sector, and buy his best picks Apple, Amazon, and Bank of America. :D
by inbox788
Fri Aug 28, 2015 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Was about to change from 100% equity to 80%. Now what?
Replies: 69
Views: 4735

Re: Was about to change from 100% equity to 80%. Now what?

Generally, when I get impulses like this, I have a hard rule - no changes in strategy is allowed when VIX is over 15. Interesting rule. What do you do when vix remains high for years? Stop rebalancing? https://ca.finance.yahoo.com/q/bc?s=%5EVIX&t=my One thought is 1% a month and be done in 20 m...
by inbox788
Thu Aug 27, 2015 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate to your kid's public school?
Replies: 59
Views: 3254

Re: How much do you donate to your kid's public school?

Zero but paid over 50K in school taxes for last 8 years when I didn't have kids in system. Can I have a refund please? We'll see what this year brings....... I hear this arguement all the time from retired friends. It is funny how none of them complained when other people were subsidizing their kid...
by inbox788
Thu Aug 27, 2015 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Policy options for Large Group health ins policy
Replies: 16
Views: 794

Re: Policy options for Large Group health ins policy

What a complicated situation, more so because of all the government levels involved. Still my simple view understanding is that you're going to have to shell out $1566 more a year for same coverage, and even with the higher deductible reduced amount of $1200, you're still paying several hundred more...
by inbox788
Tue Aug 25, 2015 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Do you count cash towards your portfolio asset allocation?
Replies: 34
Views: 1787

Re: Do you count cash towards your portfolio asset allocation?

When setting my asset allocation, do I count the cash in (1) and (2)? I have 100% equity in (3) but when looking at everything I am closer to 60/40. Short answer is NO, don't include them. However, I do like to look at what my AA looks like when taking those things into account and your 100% vs 60/...
by inbox788
Tue Aug 25, 2015 10:38 am
Forum: Personal Consumer Issues
Topic: will wifi android 'phone' work for Google Hangouts Dialer?
Replies: 10
Views: 552

Re: will wifi android 'phone' work for Google Hangouts Dialer?

inbox788: my phone turns off wifi in airplane mode. In all it seems a decent option for an old phone w/o a SIM card or a new $20 one with a decent wifi connection. I'll note that the Google Voice option does not seem to be available for iphone since it does not support Hangouts. That's why I said t...
by inbox788
Tue Aug 25, 2015 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Zero Percent for 60 months or $2000 Cash Back
Replies: 12
Views: 1803

Re: Zero Percent for 60 months or $2000 Cash Back

If it's a $30,000 vehicle then you have an average $15,000 invested for five years. Or you can take the $2000. On a guaranteed basis, that sounds like a 6.7% total return for five years, which isn't very good. So I would probably take the zero percent. But are they truly mutually exclusive offers? ...
by inbox788
Tue Aug 25, 2015 7:26 am
Forum: Personal Consumer Issues
Topic: will wifi android 'phone' work for Google Hangouts Dialer?
Replies: 10
Views: 552

Re: will wifi android 'phone' work for Google Hangouts Dialer?

Yes, do it all the time. Works mostly, but not as reliable as a my Ooma VoIP landline.

Use airplane mode and turn on wifi.
by inbox788
Tue Aug 25, 2015 12:54 am
Forum: Investing - Help with Personal Investments
Topic: Novice w/entire net worth in cash...jump in now?
Replies: 14
Views: 2060

Re: Novice w/entire net worth in cash...jump in now?

Well, if you had jumped in a week or two ago, you would have paid 10% more, so in effect, you're getting a 10% discount jumping in today, all things being equal. You're not likely to see these kind of moves everyday, so odds are on your side that they won't repeat. Of course, never say never. Since ...
by inbox788
Mon Aug 24, 2015 1:48 pm
Forum: Personal Consumer Issues
Topic: Mysterious AC noise
Replies: 5
Views: 290

Re: Mysterious AC noise

Sounds like a harmonic vibration of some type. Was going to suggest closing and reopening of all ceiling vents, but you have already done that. Go up in the attic and attempt to move the hvac unit ever so slightly just in case it is setting up some vibration on the rafters on which it sits. Check t...
by inbox788
Mon Aug 24, 2015 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Tax deduction on co-owned property?
Replies: 4
Views: 257

Re: Tax deduction on co-owned property?

My wife and I are considering buying a two-unit property with some friends. My wife and I would live in one of the units, and the other unit would be rented out. Over time, we'd buy out the other couple and eventually be the only owners. How would this work for our taxes? Is it as simple as dividin...
by inbox788
Mon Aug 24, 2015 11:28 am
Forum: Investing - Theory, News & General
Topic: Was vanguard.com slow for anyone else this morning?
Replies: 37
Views: 2185

Re: Was vanguard.com slow for anyone else this morning?

Artsdoctor wrote:Yes. The site's overwhelmed. Could it be that EVERYONE wants to tax-loss harvest?

No, but probably lots of people who don't watch their account daily want to check if their balance is still there. And some who are shocked by what they find may join the panic.
by inbox788
Mon Aug 24, 2015 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Transfer money to online bank account
Replies: 16
Views: 1429

Re: Transfer money to online bank account

If I recall correctly, my BOA account charges for only 1 out of the 4 possible transfer combinations. I think it's to push funds from BOA to outside bank. No fees to pull funds into BOA. Both these transactions are initiated from BOA. If you push or pull funds initiated by outside bank, I do not bel...
by inbox788
Sun Aug 23, 2015 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - Int'l fund
Replies: 18
Views: 1328

Re: Tax Loss Harvesting - Int'l fund

And then buy back 32 days after the sell? No, I wouldn't recommend you holding cash for 32 days. In this volatile environment, you take the chance that the harvesting part of TLH turns into a permanent loss. You might get lucky and avoid a larger loss from sharper losses going forward, or you could...
by inbox788
Sun Aug 23, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Buy warranty for Microsoft Surface?
Replies: 10
Views: 722

Re: Buy warranty for Microsoft Surface?

I'm about to buy the Microsoft Surface Pro 3 from Costco (it's on sale right now). Should I purchase the Square Trade warranty? It provides 2 years of coverage for $80. Why!?! Costco already has a 2 year warranty. Unless you need the breakage/water damage protection and will be using it in a tough ...
by inbox788
Sat Aug 22, 2015 2:46 am
Forum: Investing - Help with Personal Investments
Topic: California Munis / Federal Munis or 529?
Replies: 21
Views: 1501

Re: California Munis / Federal Munis or 529?

Stupid question but: how are the money savings substantial when I'd need to pay an extra 10% CA state tax with CA Tax-Exempt Bonds vs. Intermediate Term Tax Exempt? (I do like simplicity too) :) I'm confused as to what you're asking, but I'll chime in on a couple of points. First off, if you lots o...
by inbox788
Fri Aug 21, 2015 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: $0.01 left in tIRA MM after backdoor Roth conversion
Replies: 26
Views: 1850

Re: $0.01 left in tIRA MM after backdoor Roth conversion

Personally I've never had this problem (only been doing the Backdoor for two years) - but I always convert the day after doing the tIRA deposit - I imagine this will change if the MM fund eventually earns more than what it is today. Too bad they don't have another cash-holding option with zero inte...
by inbox788
Fri Aug 21, 2015 7:08 pm
Forum: Investing - Theory, News & General
Topic: Why does Bogle disparage ETFs in his book?
Replies: 35
Views: 2493

Re: Why does Bogle disparage ETFs in his book?

I don't get it. Index ETFs cost roughly the same as index mutual funds - in the case of vanguard, they have the exact same expense ratio as the admiral shares. They're also free to trade, just like the mutual fund. So I don't see any downside. The upside? You can hedge with options if you need to, ...
by inbox788
Fri Aug 21, 2015 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Prepping to sell home: Pay Mortgage or Pay Student Loans
Replies: 38
Views: 2254

Re: Prepping to sell home: Pay Mortgage or Pay Student Loans

What's wrong with the current home? Location? Size? Condition? Features? How long have you been in it? Can it handle a child or two? You're basically switching to a similarly priced home to another and paying realtor fees and mortgage fees on both sides, which amount to about $20-30k if you split wi...
by inbox788
Fri Aug 21, 2015 1:34 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 9683

Re: anyone treating this as an RBD (really bad day)

I had been waiting to get back in the market for my taxable account. I jumped the gun prematurely yesterday putting in 20K when the sale only started today :annoyed I started a day later, but the sale keeps going...so I doubled down today. I've been working on rebalancing my accounts and although i...
by inbox788
Wed Aug 19, 2015 10:50 pm
Forum: Personal Consumer Issues
Topic: Attic Fan & Noise Ordinance
Replies: 35
Views: 2645

Re: Attic Fan & Noise Ordinance

Sounds like a jerk. Put a note on his front door reminding him that placing items in a mailbox for delivery by someone other than the Postal Service is a federal offence. The jerk store called. Can't we all just get along? LOL! I thought he was kidding, but in the worst case if someone is truly bei...
by inbox788
Wed Aug 19, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: Attic Fan & Noise Ordinance
Replies: 35
Views: 2645

Re: Attic Fan & Noise Ordinance

I doubt an attic fan is more noisy than ac compressors, and those are legal, so it's unlikely to lead to enforcement action, and you can cross that bridge if you get there. While not official, there are apps, many free that you can load on you phone and measure some numbers. Check and compare number...
by inbox788
Wed Aug 19, 2015 1:01 am
Forum: Investing - Theory, News & General
Topic: Why not diversify beyond the Three Fund Portfolio?
Replies: 78
Views: 7843

Re: Why not diversify beyond the Three Fund Portfolio?

Only real data is corp. profits, everything else is just related stats. :D And even corp profits aren't always that real. Sprint just announced the iPhone Forever program, and it's being criticized as an accounting trick to boost earnings. Said Moffett, “This is an accounting change, and unfortunat...
by inbox788
Tue Aug 18, 2015 9:26 pm
Forum: Investing - Theory, News & General
Topic: Why not diversify beyond the Three Fund Portfolio?
Replies: 78
Views: 7843

Re: Why not diversify beyond the Three Fund Portfolio?

Well if somebody told me TSM had an annual loss and GDP had a 2% increase...now that is goofy. Why would that be goofy? The market is always a game of expectations, if the expected GDP is 3.5% increase, what's not to believe there may be a loss of TSM with only a 2% increase in GDP? Well any growth...
by inbox788
Tue Aug 18, 2015 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Charitable
Replies: 44
Views: 2621

Re: Fidelity Charitable

Individual Giving Account: 0.60% (60 basis points) or $100 (whichever is greater) on first $500K. Remember, it's coming out of $ you've already given away and taken a TD for, so your beneficiary charities get a little less, but in a sense they are paying the fees for your DAF. Most would say, "...
by inbox788
Tue Aug 18, 2015 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Charitable
Replies: 44
Views: 2621

Re: Fidelity Charitable

I've been using a Fidelity DAF for a couple of years now. It's great. Just the savings of not having to track the tax information on all the donations is well worth the AUM fee. The AUM isn't that bad if you choose an index fund: http://www.fidelitycharitable.org/giving-account/performance/single-a...
by inbox788
Tue Aug 18, 2015 1:45 pm
Forum: Investing - Theory, News & General
Topic: Need a gut check or someone to clear up my confusion about Backdoor Roth (mega and simple)
Replies: 15
Views: 1470

Re: Need a gut check or someone to clear up my confusion about Backdoor Roth (mega and simple)

Spirit Rider, thanks for taking the time for such a through explanation. I consider myself intelligent and educated, yet these things are still complicated for me, so OP (knucklehead), you're not alone in being lost in the complexity. To keep things simple, I make some assumptions. I'm currently in ...
by inbox788
Mon Aug 17, 2015 8:02 pm
Forum: Personal Consumer Issues
Topic: Laptop Recommendation
Replies: 40
Views: 2864

Re: Laptop Recommendation

Wow...not one Apple mention.Interesting.Must be the pricing. Does Apple run Windows? Was on the list of specs by the OP. They're expensive, but YES! You lost me at Windows. Although I've read the best windows machine is a Mac. http://www.cnet.com/news/macbook-pro-declared-best-performing-windows-la...
by inbox788
Mon Aug 17, 2015 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Charitable
Replies: 44
Views: 2621

Re: Fidelity Charitable

One general concern about DAF's is that the donors are letting the money linger in them for many years. That is a concern, but I think much of the accumulation is actually front loading for tax and other purposes. Regulations or changes trying to fix this "lingering" problem will only lea...
by inbox788
Mon Aug 17, 2015 7:30 pm
Forum: Investing - Theory, News & General
Topic: Has anyone heard of FeeX?
Replies: 5
Views: 1065

Re: Has anyone heard of FeeX?

I used this as a double-check to the Brochure link in FeeX's footer. ... They make their money from referrals. Section 10.D has quite a bit of info on the compensation arrangements. Thanks for the link. Took a look at their conflict of interest and they seem to be honest about disclosure. Let's hop...
by inbox788
Mon Aug 17, 2015 7:17 pm
Forum: Investing - Theory, News & General
Topic: Why not diversify beyond the Three Fund Portfolio?
Replies: 78
Views: 7843

Re: Why not diversify beyond the Three Fund Portfolio?

patrick013 wrote:Well if somebody told me TSM had an annual loss and GDP had a 2%
increase...now that is goofy.


Why would that be goofy? The market is always a game of expectations, if the expected GDP is 3.5% increase, what's not to believe there may be a loss of TSM with only a 2% increase in GDP?
by inbox788
Sun Aug 16, 2015 7:20 pm
Forum: Investing - Theory, News & General
Topic: Why not diversify beyond the Three Fund Portfolio?
Replies: 78
Views: 7843

Re: Why not diversify beyond the Three Fund Portfolio?

Our slicing and dicing probably produced incrementally better results. ... Everything else, I think, was little more than noise. What makes you think slicing and dicing let you to better results? Have you actually compared? And if so, what particular slices or time periods do you attribute to the b...
by inbox788
Sun Aug 16, 2015 7:07 pm
Forum: Investing - Theory, News & General
Topic: Has anyone heard of FeeX?
Replies: 5
Views: 1065

Re: Has anyone heard of FeeX?

Just heard about them. Seems potentially useful for some.

Anyone try it yet? What's their angle? How are they going to profit?

Catch 22 is that if they profit, there's probably a cost sometimes hidden. But without a cost, they can't hang on forever on startup funding.
by inbox788
Fri Aug 14, 2015 4:39 pm
Forum: Investing - Theory, News & General
Topic: Why not diversify beyond the Three Fund Portfolio?
Replies: 78
Views: 7843

Re: Why not diversify beyond the Three Fund Portfolio?

So while I experience analysis paralysis over the myriad of choices, it's not a bad place to be in a Three Fund Portfolio. Now if there is an investment strategy that is lower in fees, I'd be interested. The Three Fund Portfolio is he worst investment strategy, except for all the others. Look at on...
by inbox788
Fri Aug 14, 2015 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for beginner with low funds.
Replies: 14
Views: 807

Re: Investment advice for beginner with low funds.

How much, in dollars Exactly! I don't think were talking about many dollars, and after a few years, the account balance will overwhelm any minute differences here. If you have $100k or more, you can put $80k in stocks and $20k in bonds. If you choose $50k in US and $30k in international, and all $2...
by inbox788
Fri Aug 14, 2015 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund
Replies: 39
Views: 6478

Re: Fidelity Contrafund

Ford to drop Fidelity Contrafund from employee retirement investment options http://www.cnbc.com/2015/08/14/ford-to-drop-fidelity-contrafund-from-employee-retirement-investment-options.html Wow, almost $1B sucked out of Contrafund! More wow, it's a fund over $100B, so that is less than 1%. Recent hi...
by inbox788
Fri Aug 14, 2015 2:50 pm
Forum: Personal Consumer Issues
Topic: Experience using cell phone tethering on 4G-LTE vs wifi for home internet
Replies: 25
Views: 2038

Re: Experience using cell phone tethering on 4G-LTE vs wifi for home internet

I'm an IT guy and I chose to self install the cable modem and router that I bought myself. I had a problem installing the cable modem - it would not sync up. I called Comcast support who could not correct it over the phone so they scheduled a home visit several days later. The problem was a severed...
by inbox788
Fri Aug 14, 2015 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for beginner with low funds.
Replies: 14
Views: 807

Re: Investment advice for beginner with low funds.

1) With low funds, the best course of action is to get more funds. 2) How much is in your Emergency Fund? Make sure it's solid first and then forget about bonds (for now)! 3) Accounts under $10k are inefficient to deal with, and you spend far too much time and effort for minimal differences. The pla...
by inbox788
Thu Aug 13, 2015 5:39 pm
Forum: Investing - Theory, News & General
Topic: Why not diversify beyond the Three Fund Portfolio?
Replies: 78
Views: 7843

Re: Why not diversify beyond the Three Fund Portfolio?

Because I wouldn't be able to decide which way beyond to take and how far. Add 1% REIT? Add 2% REIT? Add 3% REIT? Add 5% REIT? Add 10% REIT? Add 20% REIT? Add 30% REIT? Add 50% REIT? Surely there is some optimal amount, but where to start and stop? Or instead take a step towards SV tilt? Small caps?...
by inbox788
Thu Aug 13, 2015 2:13 pm
Forum: Personal Consumer Issues
Topic: SUV advice
Replies: 119
Views: 8301

Re: SUV advice

2016 Ford Explorer: 4 cyl ecoboost, nice looking, large, third row sucked, have doubts about gas mileage and reliability, the cheapest at about $40k, infotainment was useless and not upgrade able to new system coming next year 2016 Honda Pilot Elite: good all around. No android auto or car play, bu...
by inbox788
Thu Aug 13, 2015 1:40 pm
Forum: Personal Consumer Issues
Topic: Garage door fine, but keypad not working
Replies: 19
Views: 1088

Re: Garage door fine, but keypad not working

We're all assuming you're talking about an external wireless keypad. Did you remove it from the wall and look at the backside? Sometimes there's a battery cover hiding behind. Otherwise, you have to pry it open to get to the battery. Or maybe you have to pry off the cover to get to the screws holdin...
by inbox788
Thu Aug 13, 2015 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much is too much?
Replies: 42
Views: 5323

Re: How much is too much?

Where can you lease a Lexus for $166 a month? It's $166 more than the lease or payment for your regular car. Looking at it that way, it's in the same scale as a high cell phone or cable bill. Or an expensive dinner out. Or for some monthly bar bill or others cigarettes. Or pet food grooming and vet...
by inbox788
Wed Aug 12, 2015 8:55 pm
Forum: Personal Consumer Issues
Topic: Comparing cars by per-mile cost. Fixed v. variable costs?
Replies: 5
Views: 462

Re: Comparing cars by per-mile cost. Fixed v. variable costs?

I've broken down my current car's cost-per-mile as such: $0.135/mi - (Purchase price) / (assume 7 years) / (avg. miles driven per year) $0.106/mi - Fuel $0.082/mi - Insurance $0.047/mi - Maintenance (total spent to date) / (miles driven to date) $0.371/mi - Total cost per mile Now, when comparing t...
by inbox788
Tue Aug 11, 2015 4:36 pm
Forum: Personal Consumer Issues
Topic: Anyone not own a Smartphone
Replies: 76
Views: 3879

Re: Anyone not own a Smartphone

My plan got so much cheaper when I traded my AT&T dumbphone for my Page plus iphone 4s at $80/year. Smartphones don't have to be expensive. It's expensive to use data. For me, there are a few things data is useful on the road. Maps/GPS and directions is one. Occasionally, getting info off the w...
by inbox788
Tue Aug 11, 2015 2:58 pm
Forum: Investing - Theory, News & General
Topic: So do the uber wealthy invest money the same way we do?
Replies: 95
Views: 9350

Re: So do the uber wealthy invest money the same way we do?

He lives in a $500k house, his kids went to public schools and state universities. He drives a Ford Expedition, wears jeans, company polo shirts, jogging sneakers, and flies Southwest when possible. If you sat beside him on a flight, you'd think he was just a pleasant fellow traveler. And you'd be ...
by inbox788
Tue Aug 11, 2015 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: 35 yrs old: How am I doing?
Replies: 27
Views: 5309

Re: 35 yrs old: How am I doing?

6. There is a 50/50 chance I may make equity partner in my firm in 2-3 years, which would create the potential for a steeper pay increase for me (as well as a decent pension in retirement) although we are not flashy people and are not banking on either the pay increase or the pension for that matte...
by inbox788
Tue Aug 11, 2015 2:11 pm
Forum: Personal Consumer Issues
Topic: Get "free" phone upgrade before Verizon 8/13 changes?
Replies: 6
Views: 1210

Re: Get "free" phone upgrade before Verizon 8/13 changes?

It depends on how much you pay now compared to how much you will pay for the new plan. If you pay the same or less now, than getting a new phone makes sense, if you don't mind doing a 2 year contract. It depends on who pays the cell phone bill. If you're paying it, then it doesn't matter. If your c...
by inbox788
Tue Aug 11, 2015 1:56 pm
Forum: Personal Consumer Issues
Topic: Anti-smartphone [basic phone + paper planner & address book] anyone??
Replies: 42
Views: 2921

Re: Anti-smartphone [basic phone + paper planner & address book] anyone??

Smartphones have led to a decline in etiquette. I was in a job interview where the interviewer actually answered a call in the middle of the interview. I've been in other social situations such as parties, get-togethers where people spent all their time on their phones. it makes you want to say to ...

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