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Re: Help me choose a new tv

Or consider this one:

LG Electronics 55LB5900 55-Inch 1080p 120Hz LED TV
Price: $699.00 & FREE Shipping.

http://www.amazon.com/dp/product/B00KVLT08G

You could almost get 2!
by inbox788
Wed Jul 23, 2014 10:26 pm
 
Forum: Personal Consumer Issues
Topic: Help me choose a new tv
Replies: 31
Views: 1598

Re: Help me choose a new tv

Here's something to consider. It's pretty low end to what you're looking at and only comes in at 51", but the price can't be beat. With your budget, you could get 3 of them! Samsung - 51" Class (50-3/4" Diag.) - Plasma - 720p - 600Hz - HDTV Model: PN51F4500BFXZA $379.99 http://www.bes...
by inbox788
Wed Jul 23, 2014 10:23 pm
 
Forum: Personal Consumer Issues
Topic: Help me choose a new tv
Replies: 31
Views: 1598

Re: But why not 100% stock index fund?

I'm new to this forum, though I have been reading posts for a while. A member further down posted for advice regarding 100% stock allocation in his retirement accounts , and most of the replies advise against it. However, almost all the negative votes have included some type of "panic" fa...
by inbox788
Tue Jul 15, 2014 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 7023

Re: VTI, VTSAX, VTSMX price difference

Can some body explain why the EFT is so much higher comparing to the other two? Can some body explain why there are so much difference among the three prices? It's like buying bottles of ketchup, it doesn't matter if you're buying a jar or a tub, glass or plastic, etc. You only care about the stuff...
by inbox788
Tue Jul 15, 2014 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTI, VTSAX, VTSMX price difference
Replies: 27
Views: 1939

Re: How to Invest 300K?

Hello outrnm, Welcome! ...I can have these funds locked in for say 6-12 months... Are you saying that you will need this money in 6-12 months? If the answer is yes, I would keep it liquid such as savings or short rung CDs. You might be able to stretch it with a short term bond fund but personally, ...
by inbox788
Fri Jul 11, 2014 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest 300K?
Replies: 9
Views: 1082

Re: Time to buy a tv or wait 2 years?

I remember when CDs replaced tapes and LPs. Audiophiles demanded high definition digital and they got MP3. The future of TV is 200i. It's already there. The future of television is the iWatch, which will be replacing the Sony Watchman! 200i is great for a 1" screen! http://www.forbes.com/sites...
by inbox788
Fri Jul 04, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5694

Re: Using 100% Stable Value as bond allocation

I'm 100% (20% of AA) in my SV 457b. With MassMutual also, but was originally through The Hartford. Can rebalance into/out without restrictions. 4% :D Doesn't really make up for their cheapest fund options being indexes at 0.95 ER, though :( No it doesn't. Do you have other accounts with better ER? ...
by inbox788
Tue Jul 01, 2014 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using 100% Stable Value as bond allocation
Replies: 31
Views: 2649

Re: Mortgage: Variable 7 vs Fixed 30.

Flash news. You hear it here, first. Unbelieveable. ARM 7/1. 5/2/5, @2.625%, no points. Conforming. Verbal. Need to see it in writing. Hard to believe. What's the bank or broker? Yeah, hard for me to believe too, since it's been a while since I've seen rates in this range, but it's close. Maybe the...
by inbox788
Mon Jun 30, 2014 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage: Variable 7 vs Fixed 30.
Replies: 47
Views: 3390

Re: Mortgage: Variable 7 vs Fixed 30.

It depends, as folks has said. FWIW, if you can't decide, you can split the difference with a Penfed 15/15 at 3.5%. Keep in mind fees. The 2.9% seems very good for the 7/1.
by inbox788
Sat Jun 28, 2014 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage: Variable 7 vs Fixed 30.
Replies: 47
Views: 3390

Re: Please help us decide where to live

I didn't see your ages. One thing I'd factor into your decision making is water - the drinking kind. And not move somewhere where they are running out of it. Late 40's. Yes, we like to drink water, so we'll keep that in mind. :-) Along this line (droughts), another factor that might help eliminate ...
by inbox788
Sat Jun 28, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7809

Re: Please help us decide where to live

Get an airstream and become tech nomads for a year of touring the US and you'll eventually find your place. Great idea. If you do that, consider TX or FL your virtual home. http://www.escapees.com/MailService/Default.aspx 9 states have no income tax if that is a factor. Yeah, but how many states pa...
by inbox788
Fri Jun 27, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7809

Re: An Argument for Long Term Treasury Bonds

Negative correlated with the VTI doesn't necessarily mean one should buy it. For example, there are negative beta stocks (which means negatively correlated with market). It doesn't mean one should add more of those to the existing VTI. ... You can calculate the stdev of the portfolio of these 2 ass...
by inbox788
Wed Jun 25, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: An Argument for Long Term Treasury Bonds
Replies: 35
Views: 1847

Re: Buy A New Windows Computer Now?

What do you do on the desktop? Do you have an ipad or tablet? I use an ipad more than a desktop these days. This means less wear and tear on the old desktop, so it should last longer. Which do you use most (for nonvoice)? Cell phone Tablet Laptop Desktop Some people have settled on phone/laptop, whi...
by inbox788
Tue Jun 24, 2014 11:34 pm
 
Forum: Personal Consumer Issues
Topic: Buy A New Windows Computer Now?
Replies: 53
Views: 2845

Re: An Argument for Long Term Treasury Bonds

Some simple math. Rule of 72. If I'm reading the graph correctly, 10k in 2003 went to 20k in 2011, or in 8 years, so annual return of 9%. Really? With current yield at around 3%, and locking that in for 10-30 years, it will be a couple of dozen years before it doubles again. Remember, past performan...
by inbox788
Tue Jun 24, 2014 11:14 pm
 
Forum: Investing - Theory, News & General
Topic: An Argument for Long Term Treasury Bonds
Replies: 35
Views: 1847

Re: Is Medical School Worth it Financially?

I hear about medical students coming with loans of >500k at 6.8%. Why would anyone willingly incur $500K in debt going to med school and then complain about it? It that any different than the person who runs up a $200K tab on an art history degree at Harvard and then complains about it? Running up ...
by inbox788
Tue Jun 24, 2014 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medical School Worth it Financially?
Replies: 66
Views: 5035

Re: Cost of car compared to Gross Income

You can go spartan on a Nissan quest and get it for 23k or so but that doesn't include floor mats (serious). Before the days of the internet, floor mats were seldom standard, and a huge profit center for the dealers (cost $10, sell $100). Remember pin stripes? Undercoating? You may still occasional...
by inbox788
Tue Jun 24, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4599

Re: How I win at craps

My approach is to play the pass line and odds with the same size bets. I think any strategy with same size bets is a losing one (maybe any strategy with any bet size is a net losing strategy in the long run if always at a disadvantage). Even with blackjack card counting, same size bet alone doesn't...
by inbox788
Tue Jun 24, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: How I have won at craps
Replies: 20
Views: 2037

Re: How I win at craps

Please close these gambling threads down, this isn't a gambling forum and these systems claim to violate the laws of probability. Its no different than someone coming on here and trying to sell us a perpetual motion machine. Most systems have flaws that are fairly obvious or well understood, like a...
by inbox788
Tue Jun 24, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: How I have won at craps
Replies: 20
Views: 2037

Re: Cash vs Wellesley

I have accumulated fair amount of cash ... roughly 20% of my total investment (goal: 80/20, 30% international) from recent RSU, ESPP sale, bonus etc. I plan to DCA the cash over the next 12 months. Wondering if I should leave the cash in money market funds or invest in Wellesley or something else ?...
by inbox788
Tue Jun 24, 2014 4:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Cash vs Wellesley
Replies: 4
Views: 1337

Re: New Portfolio: what to do with 2.5M to 5.5M?

Move to Nevada, Arizona, or Florida. You'd get an immediate 13.3% raise and return on your assets!

Seriously, it's something to consider in retirement. Or you can consider yourself wealthy enough that you can afford the heavier tax burden and not worry about it.
by inbox788
Sun Jun 22, 2014 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Portfolio: what to do with 2.5M to 5.5M?
Replies: 38
Views: 4370

Re: Need Help Investing 1 mil

It is 80/20 Portfolio. (Bonds-Equities) During the first 18-20 months I made NO MONEY, (Didn't loose any either even with all fee's) At present it is up about 58k OVER what I initially invested nearly 3 years ago. I have been paying near 20k/year ... I would like to safely churn about 60k/year from...
by inbox788
Sun Jun 22, 2014 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help Investing 1 mil
Replies: 15
Views: 1960

Re: Moving back to the U.S. - Any ideas on a hatchback car?

Used Subaru Impreza Hatchback with AWD. I'm not sure other hatchbacks in that price range will have what you need for snow in Minnesota. Agree, not many options with small/budget AWD hatchbacks. Don't overlook a NEW Subaru Impreza Hatchback AWD, since your price point is close, and depreciation low...
by inbox788
Sat Jun 21, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Moving back to the U.S. - Any ideas on a hatchback car?
Replies: 33
Views: 1991

Re: Cost of car compared to Gross Income

How long you hold on to the car isn't being considered. If you're trading cars every 3 years, 10% might make good sense. If you're doing annually, it may be too much, and 10+ year could justify 20-30% or more. I never considered gross income. In my younger days before I could pay cash my criteria wa...
by inbox788
Fri Jun 20, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4599

Re: Do you see profit or ponzi?

Recently a trustworthy co-worker, who is quite knowledgeable with investment strategies and financial matters, gave me a prospectus for a private investment portfolio. He has known the founder of this investment firm for over 20 years and vouches for his honesty and integrity. How long has this &qu...
by inbox788
Fri Jun 20, 2014 7:33 pm
 
Forum: Investing - Theory, News & General
Topic: Do you see profit or ponzi?
Replies: 100
Views: 7036

Re: Term Life Insurance

When the kids come, a 20 year term is reasonable, but that can be dealt with later. It's another issue altogether. I would be a little more cautious about planning for any insurance purchase off in the future. Health issues do develop, sometimes suddenly. I'd probably get a longer term period up fr...
by inbox788
Fri Jun 20, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance
Replies: 24
Views: 2132

Re: 529 as temporary expansion of tax free space?

If I execute this plan I'd be moving my fixed income allocation to a 529 for about for years. Nothing more. My AA would remain the same throughout the entire process. If you don't make the move, what's in the 529? or no 529? If it comes from Roth, I don't see a huge difference. This means you have ...
by inbox788
Fri Jun 20, 2014 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 as temporary expansion of tax free space?
Replies: 19
Views: 1442

Re: If Harvard invested in Vanguard...

How many of these investment managers are Harvard graduate? How much of wall street is filled with HBS graduates. Just saying that they've got to eat their own (premium) dog food. Princeton doesn't have a business school. Do they invest differently? http://www.commonfund.org/CommonfundInstitute/Docu...
by inbox788
Thu Jun 19, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: If Harvard invested in Vanguard...
Replies: 50
Views: 5045

Re: Dollar Cost Averaging vs. Lump Sum

I guess the bottom line is most times lump sum turns out better. If that makes the investor nervous then do a chunk lump and DCA the rest in 6 to 9 months. Over the long term the difference isn't that much. I agree and believe that lump sum is statistically the better return, but carries the highes...
by inbox788
Thu Jun 19, 2014 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging vs. Lump Sum
Replies: 25
Views: 2371

Re: 529 as temporary expansion of tax free space?

I plan to move my bond allocation from my Roth IRA to a 529. Before I graduate, I pull all the money out of the 529, put that into the taxable, and then reestablish my bond allocation in my Roth. In the end this means that I can capture the gains in bonds over the next 4 years tax free. It is also ...
by inbox788
Thu Jun 19, 2014 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 as temporary expansion of tax free space?
Replies: 19
Views: 1442

Re: investment with student loan repayment

Finish off by paying taxes on the forgiven debt (which you will pay, on the assumption you're still working). If you received a large loan forgiveness, would it make sense to take a year off in the final year so your earned income is near $0? Will this alter the amount of tax owed on the forgiven a...
by inbox788
Thu Jun 19, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: investment with student loan repayment
Replies: 54
Views: 1916

Re: Car for a long daily commute

mike143 wrote:We bought [Prius] due to my wife's increasing commute and she lost her job shortly afterward. :oops:

Not uncommon story. Knew guy driving 100 miles a day, bought electric car to save fuel/economy. Shortly, found job 5 minutes from home. Completely ruins ROI calcs.
by inbox788
Thu Jun 19, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5879

Re: Are hybrid cars a good idea yet?

And if you replace the battery in the Prius and then sell it a few years later, the resale value shoots way up - and I speak from experience on that, having sold my 2001 Prius after a 2009 battery replacement for $6000 in 2011 . What kind of car originally worth $20k would still be worth $6k after ...
by inbox788
Tue Jun 17, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 8096

Re: 529 as temporary expansion of tax free space?

I'm not clear on what you're trying to achieve. Doesn't the 529 monies need to be spent? Some people put all the 529 money into bonds/cash during usage years vs. stocks, to reduce risk of having a very bad year wreck your budget. If you have a strong backup plan (i.e. lots invested in excess taxable...
by inbox788
Tue Jun 17, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 as temporary expansion of tax free space?
Replies: 19
Views: 1442

Re: Daily Tax-Loss Harvesting with Wealthfront

Tax-Loss Harvesting is a transfer of a tax-free loan from government to individual. It's not free money as taxes are eventually due (unless you're talking about things like step basis). So while there are real benefits, they're not always that substantial, and spending a lot of time and money on the...
by inbox788
Mon Jun 16, 2014 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: Daily Tax-Loss Harvesting with Wealthfront
Replies: 8
Views: 911

Re: Using Larry's Minimizing Fat Tails Portfolio in a 529

Correct me if I'm wrong, but I'm assuming Larry's portfolio is geared towards retirement investments with a long timeframe. It's always difficult to say what applying a portfolio designed for long term (> 20 years) and using it for a short term time period (< 20 years). Much of the smoothing come fr...
by inbox788
Mon Jun 16, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using Larry's Minimizing Fat Tails Portfolio in a 529
Replies: 7
Views: 642

Re: investment with student loan repayment

Maybe... but why hope for a conservative 5% when you can get a guaranteed 6% by paying down the loans early. Every dollar you pay early you no longer pay 6% interest on... like a guaranteed return. That's a huge amount of student loan debt and at what I would call a high(er) interest rate. I would ...
by inbox788
Mon Jun 16, 2014 4:27 am
 
Forum: Investing - Help with Personal Investments
Topic: investment with student loan repayment
Replies: 54
Views: 1916

Re: 529 Plans: Expense ratio or tax savings most important?

Both! Chances are tax savings will win out for 1 year. Over 10 or 20 years, expense ratio may be more significant, or not. If not, then that gives you the answer. Otherwise you need to do the calculations for break even and figure out where you stand with your assumptions and likely future results. ...
by inbox788
Sun Jun 15, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 Plans: Expense ratio or tax savings most important?
Replies: 3
Views: 414

Re: Suckered Into Whole Life -- What To Do?

Well the policy is worth $7240 now...I don't know what the insurance cost is, but it seems that the interest rate is ok if it is going up that much...even discounting dividends it seems ok, thoughts from others? What's your dividend? How are you getting 28%? (977 - 697)/977 = 28.7%? If that's what ...
by inbox788
Sat Jun 14, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Legacy USAA Whole Life -- What To Do?]
Replies: 17
Views: 2395

Re: Insurance Categories Where Self Insurance Is Never Possi

I continue to insure our house though (with the highest deductibles). Maybe this is questionable using the same logic, but this would be a very severe loss in one go, and could happen early on in our retirement time, so I guess better continue to do so, this is one area where the peace of mind argu...
by inbox788
Sat Jun 14, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Categories Where Self Insurance Is Never Possible
Replies: 23
Views: 1236

Re: Insurance Categories Where Self Insurance Is Never Possi

How do you get around the state's requirement to insure your vehicle which is a pretty easy thing to self insure? Not all states require auto insurance. Maybe he lives in some place like NH. Not just NH. Probably many or most have insurance alternatives. What Are the Types of Financial Responsibili...
by inbox788
Sat Jun 14, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Categories Where Self Insurance Is Never Possible
Replies: 23
Views: 1236

Re: Suckered Into Whole Life -- What To Do?

My wife and I are both active duty military. She has a legacy USAA whole life policy for $100k she bought in 2004 when she was 22. The good part is the legacy policies are participating... Yes I know it is what it is...however, at this point we won't cancel it...it's 10 years old so the commission ...
by inbox788
Sat Jun 14, 2014 4:31 am
 
Forum: Personal Finance (Not Investing)
Topic: [Legacy USAA Whole Life -- What To Do?]
Replies: 17
Views: 2395

Re: Engagement Ring - Diamond Help

Now, the next diamond she brought out, she told me was not GIA certified. The diamond was 1.52 carat but was rated on their own scale by comparing the diamond vs the GIA standards. They said that the color was D and SI3 in clarity. So yes, there is no SI3 clarity rating, but they said that it is on...
by inbox788
Sat Jun 14, 2014 1:15 am
 
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 57
Views: 3091

Re: engineers - please help with engineering school selectio

No non-traditional colleges represented among the folks in that link. Not sure what you'd consider non-traditional colleges, but here are many of the non-Ivy/non top 10: A.B., Washington University (2004) B.A. Williams College 2001 in Biology and Chemistry B.A., Amherst College (2002) B.A., Swarthm...
by inbox788
Fri Jun 13, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5256

Re: engineers - please help with engineering school selectio

He took 2 APs as S, 5 as J, and will take 5 as S. All 4s and 5s. Those are good results, and don't leave anyone asking why a student took a dozen AP courses and doesn't report scores or has only a few or low scores. While it's unclear how much colleges care, if at all, I think the AP tests (and Sub...
by inbox788
Fri Jun 13, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5256

Re: Should risk be stated in dollars terms instead of AA %?

Maybe I haven't quite understood the concept of risk here but it seems like people always speak of it in terms of AA but when they advise people they talk in terms of losing 50% of their equity investment which is a dollar amount. So is risk just the the amount of dollars you feel you can lose and ...
by inbox788
Fri Jun 13, 2014 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: Should risk be stated in dollars terms instead of AA %?
Replies: 54
Views: 1374

Re: engineers - please help with engineering school selectio

For what it's worth, USoCal and CalTech can both be quite generous with students they want and both have great engineering programs. Our S is a BSEE from USC. They give a lot of 50% and a few 100% tuition awards, especially for engineering students. It's worth exploring. CalTech is nearby in Pasade...
by inbox788
Fri Jun 13, 2014 12:39 am
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5256

Re: engineers - please help with engineering school selectio

What type of engineering degree does he want to obtain? You can look at US News reports for undergraduate engineering program rankings. Regardless of school rank though, I think the most important thing is that he excels wherever he decides to go. In general, all the schools you named are excellent...
by inbox788
Thu Jun 12, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5256

Re: Is a 2% withdrawal rate bulletproof ?

Does the "bulletproof" part of a 2% WR only apply to specific allocations. I'm assuming the 2% rate is fixed to the starting investment at the start of the program, so 2% of $1M = $20k/year. Compare to 2% of $2,116,317 vs $159,166. Any equity allocation with a couple of black swan type ye...
by inbox788
Thu Jun 12, 2014 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is a 2% withdrawal rate bulletproof ?
Replies: 48
Views: 3952
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