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Re: Do you regret buying your home?

As a lifelong renter, I've often wondered about this: 80 percent of homebuyers have at least one major regret about their new home, according to a recent HSH.com survey of 2,000 U.S. adults at least 25 years old and in possession of a driver's license. Only 20 percent of respondents said they had n...
by madbrain
Thu Oct 23, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 46
Views: 2487

Re: IBM: Stock Buybacks Gone Wrong?

Nowhere in all of Warren Buffett's text do I see any mention of whether he thinks IBM is continuing to make good products or provide good services . Maybe he takes it for granted. Or maybe he just has no clue about tech and doesn't want to look foolish by trying to talk about the tech products/serv...
by madbrain
Thu Oct 23, 2014 8:16 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 63
Views: 3427

Re: EverBank

I like them and I still have an account, though it's not my primary one anymore. I really like the scanner check deposits, which almost no one else offers . They also offer mobile deposits, but I find the scanner to be a faster and more convenient process. You can also get your ATM withdrawal limit ...
by madbrain
Thu Oct 23, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: EverBank
Replies: 7
Views: 638

Re: Forbes Article On Active vs Passive Investing

Taylor, I just got done reading/browsing the latest print edition of Forbes I received yesterday. I find there is a certain humoristic value in it, especially in Steve Forbes' editorials, for how wrong and misguided they are. They are getting a bit predictable lately, though. Madbrain: Bogleheads Me...
by madbrain
Thu Oct 23, 2014 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: Forbes Article On Active vs Passive Investing
Replies: 35
Views: 3555

Re: Would You Sell Or Continue Renting Out My Condo?

Hmm so you're saying that if I rent it out for two years and lived in it for 3 before that I would only get a capital gains tax exclusion of (3/5)*250k = 150k? I don't think that's right from what I've been reading. I thought all you had to do was live 2 out of the past 5. If I lived 1 out of the p...
by madbrain
Thu Oct 23, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would You Sell Or Continue Renting Out My Condo?
Replies: 6
Views: 666

Re: Forbes Article On Active vs Passive Investing

Nonsense articles like this are what caused me to not renew my Forbes subscription years ago. I just got done reading/browsing the latest print edition of Forbes I received yesterday. I find there is a certain humoristic value in it, especially in Steve Forbes' editorials, for how wrong and misguid...
by madbrain
Thu Oct 23, 2014 5:44 am
 
Forum: Investing - Theory, News & General
Topic: Forbes Article On Active vs Passive Investing
Replies: 35
Views: 3555

Re: Would You Sell Or Continue Renting Out My Condo?

I will owe around 205k next summer so if I sell at that time for 375k (minus 6% of 375k for realtor fees = 352.5) that would leave me with 147.5k in cash (352.5 - 205k). So I'm making around 5.7% on this idle cash (my equity) in a best case scenario, but likely there will be expenses so I'd say the...
by madbrain
Thu Oct 23, 2014 2:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Would You Sell Or Continue Renting Out My Condo?
Replies: 6
Views: 666

Re: Don't auto-renew your ACA plan, shop around

True, out of network coverage has always been an issue with HMOs. It wasn't until the ACA however that it became impossible to buy individual PPO coverage in my state - both the exchange plans and off exchange plans are all now HMOs. Yes, that's a bit strange that the PPOs would no longer be offere...
by madbrain
Thu Oct 23, 2014 1:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 16
Views: 1166

Re: US Chip & Signature --> Chip & PIN 2020

Apple pay with single use numbers seem to be a winner to me. Here is one case where Apple may prove to have more marketing clout than Google in a very important way. Google Wallet which has been around for 3 years uses the single use number concept over NFC just as Apple Pay does. For one reason or...
by madbrain
Thu Oct 23, 2014 12:14 am
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1262

Re: Don't auto-renew your ACA plan, shop around

Emergencies tend to be covered, yes. OK, so now we are talking about a different risk altogether than what you originally said. However, I'm not thinking of accidents like that (which are rare). I'm more worried that I go in for some serious procedure and a second out of network doctor gets called ...
by madbrain
Thu Oct 23, 2014 12:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 16
Views: 1166

Re: Don't auto-renew your ACA plan, shop around

Tanelorn, If event X leads to a bill/judgment for $ZZZ that will bankrupt you or destroy your life's savings (and potentially much of your future earning power), it seems like X is a perfect example of what to buy insurance for. ... In my case, ironically no ACA plan provides insurance against the o...
by madbrain
Wed Oct 22, 2014 11:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 16
Views: 1166

Re: Don't auto-renew your ACA plan, shop around

Are the off exchange plans required to meet any of the new ACA criteria, such as no lifetime max, certain wellness care, etc.? Although some of the criteria are useless for some (pediatric dental) it seems that is an ACA criteria? If off exchange plans don't have to meet it, is there a list of the ...
by madbrain
Wed Oct 22, 2014 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 16
Views: 1166

Re: Don't auto-renew your ACA plan, shop around

If event X leads to a bill/judgment for $ZZZ that will bankrupt you or destroy your life's savings (and potentially much of your future earning power), it seems like X is a perfect example of what to buy insurance for. ... In my case, ironically no ACA plan provides insurance against the only bad e...
by madbrain
Wed Oct 22, 2014 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 16
Views: 1166

Re: US Chip & Signature --> Chip & PIN 2020

helix wrote:Maybe it is just me, but Chip & Signature seems much more convenient (no need to remember an additional PIN for each CC)


I think that's the main reason US card issuers are resistant. Any PIN change means the card must be manufactured again.
by madbrain
Wed Oct 22, 2014 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1262

Re: US Chip & Signature --> Chip & PIN 2020

I wonder why they are dragging their feet.. On the chip part, the US has been dragging their feet because of the cost to buy new readers. On the PIN part, I think it's the card issuers. I grew up in France, and I had one bank card with a chip, on the "carte bleue / VISA" networks, which I...
by madbrain
Wed Oct 22, 2014 10:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1262

Re: Don't auto-renew your ACA plan, shop around

There are apparently two ways to renew - an easy "same as last year" version, and a full "redetermination" where you're basically looked at as a new customer. The issue and deceptive part, IMO, is that the easy version will quote you the same advanced subsidy credit as you had i...
by madbrain
Wed Oct 22, 2014 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 16
Views: 1166

Re: How did you buy your largest home?

Here is how I did it. I bought a $228k townhome in 1997, with $173k in mortgage, around 7.5%, at the age of 21, with zero existing credit history (I kept getting denied for credit cards). By 2010 (and after mani refis) I had the mortgage down to about $100k, and the townhome value was assessed in th...
by madbrain
Wed Oct 22, 2014 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you buy your largest home?
Replies: 13
Views: 1408

Re: Unlocking My Phone Blues

NO SERVICE! Drats! The clerk told me my phone was locked and I would be able to use the phone until it was unlocked and if I can't get it unlocked, Is that the actual message you received on the phone ? Usually, you would receive some sort of "invalid SIM card" message, or "SIM locke...
by madbrain
Wed Oct 22, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Unlocking My Phone Blues
Replies: 3
Views: 378

Re: Don't auto-renew your ACA plan, shop around

The real danger comes from the fact that if you aren't on the benchmark plan, you're on the hook for the entire difference in premiums even if your income is quite low. Are you saying that it's possible to auto-renew your ACA plan without having any idea what your premium and subsidy will be for th...
by madbrain
Wed Oct 22, 2014 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 16
Views: 1166

Re: IBM: Stock Buybacks Gone Wrong?

So I should sell my IBM stock? And take my profit? A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall. "Past performance is no guarantee of future results". Brilliant response. People are saying IBM's buyback program didn't work. Seems to me it ...
by madbrain
Wed Oct 22, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 63
Views: 3427

Re: IBM: Stock Buybacks Gone Wrong?

Another important aspect is the divestitures (reverse acquisition) they've done, like getting rid of PC's and servers to Lenovo, which yielded them some cash, but even paying $1.5B for GlobalFoundries to take over their fabs is the complete opposite of a merger and acquisition. It's realizing that ...
by madbrain
Wed Oct 22, 2014 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 63
Views: 3427

Re: IBM: Stock Buybacks Gone Wrong?

So I should sell my IBM stock? And take my profit? A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall. "Past performance is no guarantee of future results". OP: Just my attempt at answering a rhetorical question here. What percentage of your por...
by madbrain
Wed Oct 22, 2014 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 63
Views: 3427

Re: IBM: Stock Buybacks Gone Wrong?

Do large acquisitions work for tech cos? Having been working a couple of decades at large tech cos in Silicon Valley, and witness the integration process of many acquisitions, I would say that overall, they are very challenging. Best case, the acquirer will take advantage of part of the technology/...
by madbrain
Wed Oct 22, 2014 6:25 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 63
Views: 3427

Re: IBM: Stock Buybacks Gone Wrong?

Since they have been consistently doing buybacks, they must have concluded that their stock was consistently undervalued for more than a decade and was always a good investment. They were probably right some of the time but I suspect that there were other motives at work. It would be surprising if ...
by madbrain
Wed Oct 22, 2014 4:23 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 63
Views: 3427

Re: IBM: Stock Buybacks Gone Wrong?

bru wrote:So I should sell my IBM stock? And take my profit?

A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall.


"Past performance is no guarantee of future results".
by madbrain
Tue Oct 21, 2014 11:02 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 63
Views: 3427

Re: IBM: Stock Buybacks Gone Wrong?

Read Cringely's book. As I understand it, Cringely is saying that buybacks didn't cause it, but the mentality that focussed on raising earnings to $20/share to the exclusion of everything else assuredly did. I will, the book seems interesting. I almost worked for IBM in the mid to late 1990s. I'm s...
by madbrain
Tue Oct 21, 2014 11:01 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 63
Views: 3427

Re: IBM: Stock Buybacks Gone Wrong?

Companies can also go out of business if "Customers no longer trust [them] to manage projects well, get the projects finished, or have the projects work as promised." That part of it matters, too. Yes, really, it does. Absolutely, but I'm not sure stock buybacks are directly responsible f...
by madbrain
Tue Oct 21, 2014 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 63
Views: 3427

Re: IBM: Stock Buybacks Gone Wrong?

Nothing at all wrong with buying back your stock. It depends on your alternative investments, internally and externally. Its not usually done to prop the stock price up directly. Indirectly this happens because if done properly it increases earnings per share over time. Why is it done at all if not...
by madbrain
Tue Oct 21, 2014 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 63
Views: 3427

Re: IBM: Stock Buybacks Gone Wrong?

TJSI wrote:Buybacks are often a sign that the days of even moderate growth are over.


The same can often be said for the institution and large increases of dividends.
by madbrain
Tue Oct 21, 2014 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 63
Views: 3427

Re: need new microwave - what happened to Sharp?

LG (the worst!) Interesting. I would not have believed it was possible for anyone to make an appliance that would rank worse than GE. jimb I have experience with an LG dishwasher and can say that it was worse than a GE dishwasher as well. Avoid. I have had multiple failures with LG optical drives (...
by madbrain
Tue Oct 21, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: need new microwave - what happened to Sharp?
Replies: 15
Views: 1588

Re: selling RSU immediately

For me, having the wife mad at me for a few months is probably worse than losing the money, but the combination of math (risk), history, and happy wife lead me to only one conclusion if I were in your situation...Sell the RSUs! lol, point made. will sell. RVD. Well, that's one point of view :) I do...
by madbrain
Tue Oct 21, 2014 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: selling RSU immediately
Replies: 21
Views: 1905

Re: Why I won't have bond funds

And I don't share her pessimism about the junk bonds. Junk bonds are actually less vulnerable to interest rate risk than safer, lower-yield bonds. What makes them risky is not the interest rate risk, but the credit risk. . The author was talking about liquidity risk, I believe, as a rather big prob...
by madbrain
Tue Oct 21, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: Why I won't have bond funds
Replies: 47
Views: 5956

Re: "I've had it" at work - how often

For example, meetings are usually scheduled in the morning, during the very hours when one could be working on his most challenging projects. Indeed - I reserve morning hours for sleep, and that is a very challenging task. You could sleep during a meeting. Many people do, especially if it's a telec...
by madbrain
Tue Oct 21, 2014 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12219

Re: "I've had it" at work - how often

For example, meetings are usually scheduled in the morning, during the very hours when one could be working on his most challenging projects. Victoria If one works for a company that has global operations, meetings have to be in the morning. Its almost time for them to go to bed when we get up. I w...
by madbrain
Tue Oct 21, 2014 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12219

Re: "I've had it" at work - how often

VictoriaF wrote:For example, meetings are usually scheduled in the morning, during the very hours when one could be working on his most challenging projects.


Indeed - I reserve morning hours for sleep, and that is a very challenging task.
by madbrain
Tue Oct 21, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12219

Re: selling RSU immediately

My only slight hesitation to this is that over the years I would meet people who work at high flying companies (think AAPL, GOOG, AMZN, TSLA, etc.) and would think to myself "wow, you've been working there for 15 years...the stock that you have must be great" And the flip side of that is,...
by madbrain
Tue Oct 21, 2014 7:15 am
 
Forum: Investing - Theory, News & General
Topic: selling RSU immediately
Replies: 21
Views: 1905

Re: Risk in a high dividend stock portfolio

It's a really stupid idea.
by madbrain
Tue Oct 21, 2014 6:59 am
 
Forum: Investing - Theory, News & General
Topic: Risk in a high dividend stock portfolio
Replies: 19
Views: 1846

Re: Why I won't have bond funds

I wonder what kind of crystal ball the author has. And I don't share her pessimism about the junk bonds. Junk bonds are actually less vulnerable to interest rate risk than safer, lower-yield bonds. What makes them risky is not the interest rate risk, but the credit risk. If interest rates go up, thi...
by madbrain
Tue Oct 21, 2014 6:49 am
 
Forum: Investing - Theory, News & General
Topic: Why I won't have bond funds
Replies: 47
Views: 5956

Re: Does your ROTH hold risky or stable items?

My Roth IRA is 100% junk bonds (Vanguard High Yield admiral) and my husband's is 100% junk bonds as well (Fidelity high income, SPHIX). While these are usually considered risky assets, I'm not really seeing that much price movement. Quicken shows the peak value for these junk bonds was the week of 8...
by madbrain
Tue Oct 21, 2014 6:32 am
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3354

Re: US REITs: An Expanding Market

Actually I have seen Die Hard (the one with Bruce Willis, not John Bogle ;-)), and you have lots of tall buildings in downtown LA (and San Francisco) ;-). Or in an analogous tectonic zone, Tokyo has plenty of very tall buildings. There *is* a resistance to building new tall structures that there is...
by madbrain
Mon Oct 20, 2014 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: US REITs: An Expanding Market
Replies: 29
Views: 3983

Re: "I've had it" at work - how often

age 38 . 20 years career . software engineer
I have this feeling maybe a couple of times a year. I have also acted on it before when BS got to be too much.
by madbrain
Sun Oct 19, 2014 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12219

Re: Anyone cancelling travel plans?

I am not canceling my late December/January travel plans, which involve traveling to Thailand, Vietnam and South Korea and a total of at least 7 flights.

If the epidemic were to spread to those countries, then I might stay home and watch this movie :

https://www.youtube.com/watch?v=DopEzgBk4dA
by madbrain
Sun Oct 19, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6237

Re: Anyone cancelling travel plans?

denovo wrote:That's not to say I would cancel any plans because the chance of getting Ebola is very low but I'd much prefer to have the flu over the ebola if those were my only two choices.


Good news - you are far more likely to catch the flu when traveling than ebola.
by madbrain
Sun Oct 19, 2014 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6237

Re: Anyone cancelling travel plans?

Hopefully some of them will actually be less crowded. Silver linings and all that...... I thought that would be case when I chose to fly on 9/11/2010 - unfortunately, lots of other people had the same idea. I never saw an airport so crowded - and with so many people stopped for "random" s...
by madbrain
Sun Oct 19, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6237

Re: need new microwave - what happened to Sharp?

Our Sharp Carousel of 12 years finally gave up the ghost, and I would like to get another one just like it. But it seems to be hard to find the equivalent model now. We need at least 1.6 cu ft and 1100 watts. We just need a standalone, not a built-in or over-range type unit. Today we went to Costco...
by madbrain
Sun Oct 19, 2014 8:02 pm
 
Forum: Personal Consumer Issues
Topic: need new microwave - what happened to Sharp?
Replies: 15
Views: 1588

Re: Is Roth 401k better even if future tax bracket is lower?

It can be really difficult to predict your individual future tax bracket/rate. After all, most of us without a time machine don't know about our future income, future IRS tax rates, future IRS tax brackets, future tax laws, etc. Anyone who is saying the Roth 401k is better, or deductible 401k is bet...
by madbrain
Sat Oct 18, 2014 6:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Roth 401k better even if future tax bracket is lower?
Replies: 15
Views: 1895

Re: Is Roth 401k better even if future tax bracket is lower?

If you are somebody who maxes out your 401k and IRA contributions, then another advantage of the Roth 401k is that it allows you to effectively put more in tax-advantaged accounts, since $17,500 of after-tax money is worth more than $17,500 of pre-tax money. Uh, yeah, but only if you are willing to...
by madbrain
Sat Oct 18, 2014 6:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Roth 401k better even if future tax bracket is lower?
Replies: 15
Views: 1895

Re: If those airline passengers get sick- airline stocks wil

gkaplan wrote:
cvault wrote:have a very VERY bad day.

And it won't just be contained to the airline sector.

What have you done just in case- OTM puts? Gone to cash? Inverse?


Not a thing.



Image
by madbrain
Sat Oct 18, 2014 5:51 am
 
Forum: Investing - Theory, News & General
Topic: If those airline passengers get sick- airline stocks will
Replies: 22
Views: 1644

Re: US REITs: An Expanding Market

Valuethinker wrote:Supply of space is not however fixed: buildings get taller. In London we dig basements as well.


Not so many tall buildings or basements here in California . Concentrate on California REITs ;) ?
by madbrain
Sat Oct 18, 2014 5:40 am
 
Forum: Investing - Theory, News & General
Topic: US REITs: An Expanding Market
Replies: 29
Views: 3983

Re: Is it possible to have a favorite movie

2001, a Space Odyssey .

I wasn't even born when it was released, but I find nothing else that comes close. So I don't have a number 2 favorite movie.

The story, setting, and especially the dialogue with HAL 9000 - everything is just perfect.

I'm sorry Dave, I'm afraid I can't do that.
by madbrain
Fri Oct 17, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3092
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