Search found 3463 matches

by madbrain
Tue Sep 01, 2015 4:21 am
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund re: severance, unemployment
Replies: 20
Views: 1024

Re: Emergency Fund re: severance, unemployment

Was thinking about this today and wanted to ask the BH community. I have 8 months of EF. If I lost my job, I could get: Severance Vacation Unemployment All of these together add up to another 8 months of EF. While I know none of these are guaranteed, they certainly are possible. Do you consider the...
by madbrain
Mon Aug 31, 2015 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: If you lost your job, what expenses would you keep/get rid of?
Replies: 27
Views: 2571

Re: If you lost your job, what expenses would you keep/get rid of?

Even without a severance, there is unemployment. Unemployment + emergency fund should maintain a middle class lifestyle for the short term. As a single wage earner in a couple, I will say this : unemployment in CA is capped to about $2,000/month - and that's not even close to maintaining a middle c...
by madbrain
Mon Aug 31, 2015 2:56 am
Forum: Personal Finance (Not Investing)
Topic: If you lost your job, what expenses would you keep/get rid of?
Replies: 27
Views: 2571

Re: If you lost your job, what expenses would you keep/get rid of?

Dining out Groceries (less organic stuff, no more expensive Prime beef or crab, etc) Satellite TV Mobile phone plan (reduce to most basic) All new electronics including computers, home theater, photo & video, recording equipment, mobile devices Movie theater Any annual subscription services (Ama...
by madbrain
Sun Aug 30, 2015 4:27 am
Forum: Investing - Theory, News & General
Topic: Some thoughts about VWEHX (Vg High Yield Corporate)
Replies: 7
Views: 518

Re: Some thoughts about VWEHX (Vg High Yield Corporate)

My own view is that high yield bonds will sell off (lower prices, higher yields) when the Fed begins to tighten. When that is is a big question mark. You could still make superior returns over the cycle. Well, they have already gone down over the last year. The peak was $6.17 a year ago and now $5....
by madbrain
Sat Aug 29, 2015 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 0.74% car loan or pay with cash?
Replies: 43
Views: 2991

Re: Take a 0.74% car loan or pay with cash?

I just bought a new car. Financed 100% . I got a 1.79% loan for 84 months with a $33,306 loan balance. This is a $422.48 monthly payment which is relatively low. I figured that there is a decent chance that interest rates will go up over the next 7 years. Also, since the car is a Chevy Volt, I get a...
by madbrain
Fri Aug 28, 2015 3:24 am
Forum: Investing - Help with Personal Investments
Topic: How not to TLH - mutual fund vs ETF shares
Replies: 26
Views: 2120

Re: How not to TLH - mutual fund vs ETF shares

Or exchanged VEMAX for another EM mutual fund instead. I am not sure if Vanguard's platform allows that, given that this would have to be a non-Vanguard mutual fund. Checked this, and it wouldn't have been possible to do that. Looks like Vanguard has a managed EM mutual fund, VMMSX. The YTD return ...
by madbrain
Fri Aug 28, 2015 3:20 am
Forum: Investing - Help with Personal Investments
Topic: How not to TLH - mutual fund vs ETF shares
Replies: 26
Views: 2120

Re: How not to TLH - mutual fund vs ETF shares

Yea it would have worked. Me and many other Bogleheads have been purchasing ETF's with yet-to-be available MM funds for a long time (I have done it several times a year for the past decade). My guess is your issue with being unable to submit it had to do with the market having just closed. I wish I...
by madbrain
Fri Aug 28, 2015 3:05 am
Forum: Investing - Help with Personal Investments
Topic: How not to TLH - mutual fund vs ETF shares
Replies: 26
Views: 2120

Re: How not to TLH - mutual fund vs ETF shares

I just changed my order for IEMG with the monday close $39.80 entry point to a 60 day GTC. I would not recommend such an order. Stale limit orders are very easy for others to take advantage of. You can read about it on the web. I read about it. Still not convinced it's a bad thing. All I was trying...
by madbrain
Thu Aug 27, 2015 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: How not to TLH - mutual fund vs ETF shares
Replies: 26
Views: 2120

Re: How not to TLH - mutual fund vs ETF shares

If I were you, I would just wait 30 days and buy back in unless you can get a good entry point on IEMG. EM does go up and down a lot and it is just as likely to get lower in the next few weeks as it would to go up. I just changed my order for IEMG with the monday close $39.80 entry point to a 60 da...
by madbrain
Thu Aug 27, 2015 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: How not to TLH - mutual fund vs ETF shares
Replies: 26
Views: 2120

Re: How not to TLH - mutual fund vs ETF shares

You should get a margin account, then no problems. (… Insert evil laugh here …) Sigh, just an entirely different set of problems. IEMG closed 3.97% up today, sigh. So now my TLH plan has turned into a realized loss. The $3k TLH would have saved me about $1000 in taxes, but now on a $26k sale, it wo...
by madbrain
Thu Aug 27, 2015 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: How not to TLH - mutual fund vs ETF shares
Replies: 26
Views: 2120

Re: How not to TLH - mutual fund vs ETF shares

oneleaf wrote:Did you try submitting it before close of trading?


No, I did not.
by madbrain
Thu Aug 27, 2015 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: How not to TLH - mutual fund vs ETF shares
Replies: 26
Views: 2120

Re: How not to TLH - mutual fund vs ETF shares

indexfundfan wrote:
madbrain wrote:
indexfundfan wrote:Has your account been "upgraded"?


I have no idea what you mean.

https://investor.vanguard.com/info/account-upgrade
http://www.vanguard.com/pdf/vbcfaq_062013.pdf


Then the answer is no - I still have two separate accounts.
by madbrain
Thu Aug 27, 2015 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: How not to TLH - mutual fund vs ETF shares
Replies: 26
Views: 2120

Re: How not to TLH - mutual fund vs ETF shares

indexfundfan wrote:Has your account been "upgraded"?


I have no idea what you mean.
by madbrain
Thu Aug 27, 2015 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: How not to TLH - mutual fund vs ETF shares
Replies: 26
Views: 2120

Re: How not to TLH - mutual fund vs ETF shares

I think there may be some justification in waiting for volatility (as measured by VIX, perhaps?) to tamper down before tax-loss harvesting with ETF's. Avi I'm afraid waiting for volatility to go down would mean that the markets would go back up most likely and cause me to underperform even more. Se...
by madbrain
Thu Aug 27, 2015 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: How not to TLH - mutual fund vs ETF shares
Replies: 26
Views: 2120

Re: How not to TLH - mutual fund vs ETF shares

If I recall correctly, Vanguard allows you to purchase an ETF with 90% of the value of a pending sale (of VEMAX). You just need to submit the sale of VEMAX first. Of course there is still that 10% remaining which you can use spare cash or just wait for the next day. I don't think so. I couldn't eve...
by madbrain
Thu Aug 27, 2015 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: How not to TLH - mutual fund vs ETF shares
Replies: 26
Views: 2120

Re: How not to TLH - mutual fund vs ETF shares

Is there any reason why you did not purchase IEMG yesterday near the market close time? That would be the closest you can get to the sale price of VEMAX. The pricing for the next day is usually unpredictable and can gap up or down significantly. Yes - no cash to do so. I am fully invested in my Van...
by madbrain
Thu Aug 27, 2015 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: How not to TLH - mutual fund vs ETF shares
Replies: 26
Views: 2120

How not to TLH - mutual fund vs ETF shares

So, I decided to do some TLH yesterday . I placed an order to sell my VEMAX - Vanguard Emerging Market Admiral, mutual fund shares, in my Vanguard account. The closing price was $28. I realized a $3k loss. Late last night, I placed a limit order to buy IEMG at $39.80, the closing price as of yesterd...
by madbrain
Thu Aug 27, 2015 3:46 am
Forum: Investing - Theory, News & General
Topic: So I think I screwed up my TLH
Replies: 5
Views: 468

Re: So I think I screwed up my TLH

Also very surprised here if that is really the case.

Of course, with my luck, almost all the funds I have with a net loss are in my 401k, not in my taxable account.
by madbrain
Wed Aug 26, 2015 8:42 pm
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 44
Views: 5087

Re: Floss aversion

http://www.amazon.com/dp/B000UWAWQU/ref=sr_ph_1?m=ADID9P55NVR25&ie=UTF8&qid=1440595748&sr=sr-1&keywords=water+pik Waterpik cordless waterflosser I tried one of those, but found it completely ineffective compared to dental floss. It literally couldn't remove any piece of food stuck b...
by madbrain
Thu Aug 20, 2015 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Cancer (and expensive medical expenses) during early retirement
Replies: 29
Views: 3170

Re: Cancer (and expensive medical expenses) during early retirement

The couple making 100k/yr in salary doesn't think about the 15k/yr their company is paying towards their plan. That couple needs 115k of income if they want to fully replace their current income. I certainly think about it, but I must be in the minority. Obviously the OP is thinking about it too. T...
by madbrain
Thu Aug 20, 2015 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Cancer (and expensive medical expenses) during early retirement
Replies: 29
Views: 3170

Re: Cancer (and expensive medical expenses) during early retirement

Madbrain has asserted as fact something the evidence (according to the American Cancer Society) doesn't support. Madbrain wrote: "What this means is that cancer is usually [ my emph asis] of a relatively short, catastrophic illness, as opposed to a long chronic illness." Here is a link to...
by madbrain
Thu Aug 20, 2015 4:31 am
Forum: Personal Finance (Not Investing)
Topic: Cancer (and expensive medical expenses) during early retirement
Replies: 29
Views: 3170

Re: Cancer (and expensive medical expenses) during early retirement

IMO, you should always maintain a health insurance policy in place, regardless of whether you are young or old, working or not. In the US, the ACA has done away with benefit limits, which means even the most basic policy should be suitable for the most expensive illness, as long as you can afford th...
by madbrain
Mon Aug 17, 2015 9:11 pm
Forum: Investing - Theory, News & General
Topic: Is a Roth dollar worth 1.525 times a taxable dollar?
Replies: 27
Views: 4440

Re: Is a Roth dollar worth 1.525 times a taxable dollar?

It depends on too many things. For one thing, the type of investment. You don't specify whether it's domestic stocks, international stocks, bonds, muni bonds, etc. A muni bond would have no tax drag in a taxable account. In that case the Roth and taxable dollar will be worth the same. But of course,...
by madbrain
Mon Aug 17, 2015 3:27 pm
Forum: Personal Consumer Issues
Topic: My new dishwasher doesn't clean
Replies: 77
Views: 10733

Re: My new dishwasher doesn't clean

I have a fairly recent-gen Miele, and I have similar problems at the OP - some dishes just don't get clean when they should, compared to an old dishwasher, so I don't think Miele has the magic answer, either. Does your Miele have a built-in water softener ? My Miele also gradually builds up hard wa...
by madbrain
Sat Aug 15, 2015 12:31 am
Forum: Personal Consumer Issues
Topic: Buying PA car: How to register in CA, etc.?
Replies: 12
Views: 802

Re: Buying PA car: How to register in CA, etc.?

You can register an out of state car in CA even if it was manufactured before it was 50 state compliant. You just can't purchase one new if you're a CA resident. Only for certain exemptions : See https://www.dmv.ca.gov/portal/dmv/?1dmy&urile=wcm:path:/dmv_content_en/dmv/pubs/brochures/fast_fact...
by madbrain
Fri Aug 14, 2015 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Why Roth over Deductible Trad IRA?
Replies: 21
Views: 2120

Re: Why Roth over Deductible Trad IRA?

OP, In your situation, I would make the traditional IRA contribution every year, then roll it over to your TSP every year, if allowed. This will keep things simpler for you - just one tax-advantaged account for all your retirement savings. If your income goes up in the future, and you are no longer ...
by madbrain
Fri Aug 14, 2015 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Why Roth over Deductible Trad IRA?
Replies: 21
Views: 2120

Re: Why Roth over Deductible Trad IRA?

I'd consider taking the deductible traditional in that situation too in general, especially if you have state income tax, which you do in CA. I don't know what the situation in California is, but I do know that the state tax issue can be complicated and would suggest that anyone facing this common ...
by madbrain
Fri Aug 14, 2015 7:48 pm
Forum: Personal Consumer Issues
Topic: Experience using cell phone tethering on 4G-LTE vs wifi for home internet
Replies: 25
Views: 2074

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

REgarding streaming video usage, this is what one user claims (using Netflix): Per netflix, the tiers are as follows: https://account.netflix.com/HdToggle Good quality (up to 0.3 GB per hour) Better quality (up to 0.7 GB per hour) Best quality (up to 1 GB per hour, or up to 2.3 GB per hour for HD) ...
by madbrain
Fri Aug 14, 2015 7:39 pm
Forum: Personal Consumer Issues
Topic: Experience using cell phone tethering on 4G-LTE vs wifi for home internet
Replies: 25
Views: 2074

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

$0.02/MB doesn't sound like much but there are 1,000MB per GB. That's $20/GB which is pretty pricey if you actually use it. Windows 10 ISO files are 3-4GB each if you want to upgrade. Looking at my router, I used about 5-10GB/day for the past 5 days. Yeah. My router shows we used 100GB last month. ...
by madbrain
Fri Aug 14, 2015 7:29 pm
Forum: Personal Consumer Issues
Topic: Buying PA car: How to register in CA, etc.?
Replies: 12
Views: 802

Re: Buying PA car: How to register in CA, etc.?

Used to be CA cars were "special" with more stringent pollution controls. Are you confident that the car will pass in CA? They've been the same for years - since the "air pump" days perhaps? FYI : https://www.dmv.ca.gov/portal/dmv/?1dmy&urile=wcm:path:/dmv_content_en/dmv/pub...
by madbrain
Fri Aug 14, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: Home energy monitoring
Replies: 29
Views: 2125

Re: Home energy monitoring

FYI, Here is what the monitoring looks like on the RainForest . You can see the real-time meter, as well as demand on an hourly, daily or weekly basis. You can also see net consumption on an hourly, daily, weekly or annual basis. You can also download the data to a CSV file to import to a spreadshee...
by madbrain
Fri Aug 14, 2015 5:22 pm
Forum: Personal Consumer Issues
Topic: Home energy monitoring
Replies: 29
Views: 2125

Re: Home energy monitoring

4nursebee wrote:ARGH


Can you query the realtime information from a web site ?
My Rainforest unit allows me to do this.

I can then use my smartphone as a handheld monitor.
by madbrain
Thu Aug 13, 2015 7:56 pm
Forum: Personal Consumer Issues
Topic: Cheap drugs! [Switching to generic]
Replies: 26
Views: 2231

Re: Cheap drugs!

Maybe there is a chance both the doctor's office and the pharmacist were ignorant about the easy availability of cheap generic alternatives. I find that a bit hard to believe though. Hard not to feel robbed and assume that they didn't want to lose out on making a killing with the very expensive pre...
by madbrain
Thu Aug 13, 2015 7:42 pm
Forum: Personal Consumer Issues
Topic: Cheap drugs! [Switching to generic]
Replies: 26
Views: 2231

Re: Cheap drugs!

This sticker shock prompted some Google'ing and I quickly realized that there is a competing company's drug which has a generic version available. Some more research and I began to believe that drug 2 was essentially equal to drug 1. If it were me, I would ask the doctor why he prescribed drug 1 in...
by madbrain
Wed Aug 12, 2015 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: umbrella coverage premiums
Replies: 34
Views: 3228

Re: umbrella coverage premiums

When we got a 3rd car last month - and no additional driver - our $2 million Umbrella premium went up from $355 to almost $500 .
I just returned the 2nd car which was a lease, and it went back down.
by madbrain
Tue Aug 11, 2015 4:49 am
Forum: Investing - Theory, News & General
Topic: If you have an ESPP where you work...
Replies: 3
Views: 650

Re: If you have an ESPP where you work...

(ESPP = Employee stock purchase program) In your ESPP, how many days between the end of the subscription period and the quick sale date? Usually about 4-5 days. On one occasion this year it was 2 weeks, clearly some screwup. Where I work, it's 2 trading days. I checked the past 15 years of stock pr...
by madbrain
Mon Aug 10, 2015 4:07 am
Forum: Personal Finance (Not Investing)
Topic: Got laid off last Friday
Replies: 53
Views: 8814

Re: Got laid off last Friday

Hello, I'm a welder with 17 years experience and worked for the same company the last 17 years. I don't have a college degree. Lucky, my wife has a stable job. We have 2 children and we are both 35. I estimated I will get about $2,000 a month for unemployment checks. After taxes and insurance, my w...
by madbrain
Mon Aug 10, 2015 3:55 am
Forum: Personal Finance (Not Investing)
Topic: Buy a house that is registered under a sex offender[?]
Replies: 36
Views: 4181

Re: Buy a house that is registered under a sex offender[?]

Frankly, some of the things that can cause one to become a registered sex offender are ridiculous. For example, public urination. http://www.businessinsider.com/surprising-things-that-could-make-you-a-sex-offender-2013-10 I know the OP mentioned this case involved an <14 year old girl, however in so...
by madbrain
Mon Aug 10, 2015 3:43 am
Forum: Personal Consumer Issues
Topic: Best affordable compact car to buy new?
Replies: 35
Views: 2835

Re: Best affordable compact car to buy new?

So, we reconsidered our decision to buy a used car due to the inherent uncertainty over how the car was treated by its previous owner. Furthermore, we plan to drive the car into the ground so the difference in cost per year is negligible. We spent some time pouring over the options this weekend and...
by madbrain
Sat Aug 08, 2015 4:01 am
Forum: Personal Consumer Issues
Topic: Best used car for under 15k?
Replies: 40
Views: 3487

Re: Best used car for under 15k?

Used Chevrolet Volt, base model years 2011-2013, are selling for $12k in some parts of the country. If you have cheap electricity (<15 cents/kWh at home), you can drive it about 35-40 miles on one charge. It will be emission free, and much cheaper than gasoline. If your round trip commute fits withi...
by madbrain
Fri Aug 07, 2015 10:46 pm
Forum: Personal Consumer Issues
Topic: Comcast Offers-whats the catch?
Replies: 26
Views: 2400

Re: Comcast Offers-whats the catch?

It is not without good reason that Comcast is consistently named one of the most hated companies in America. But in all honesty so long as the service is working and you don't have to interact with them its fine. But when it's not, it can be a real problem getting your service fixed. When I had an ...
by madbrain
Thu Aug 06, 2015 9:45 pm
Forum: Personal Consumer Issues
Topic: Home energy monitoring
Replies: 29
Views: 2125

Re: Home energy monitoring

Plugging in a killawatt and measuring energy consumption takes all of 10 minutes, which works out to equivalent post tax/time wages of ~$42/hour. Pretty good IMO. If you happen to find the vampire load the first time around. If you have 300+ plug-in devices in the house, it will take a lot more tha...
by madbrain
Thu Aug 06, 2015 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Seller conceals known defects: fraud question
Replies: 53
Views: 5743

Re: Seller conceals known defects: fraud question

The problem, Celia, with putting the matter out of mind is that my daughter is still under contract until the seller releases her. She can't make an offer on another house without running the risk of having to buy two houses. (It's a stretch, I know, but she wants the peace of mind of being totally...
by madbrain
Wed Aug 05, 2015 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Take the money and run? Buyout offer
Replies: 27
Views: 3512

Re: Take the money and run? Buyout offer

Hello, First post here (sorry for the length!)... Am being offered a buyout at work and contemplating. Wanted to get input from those that have had to make the decision and how they feel about it after the fact. Would you do the opposite? Or happy with what you did. How long do you have to make the...
by madbrain
Wed Aug 05, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: Home energy monitoring
Replies: 29
Views: 2125

Re: Home energy monitoring

I still have about 1 kW of vampire power though - 24 kWh a day - which is huge. That makes me feel much better about my 500 watt vampire load. The most surprising load was a steady 50 watts for the oil burner (even when it's idle). Then there's more mundate stuff like routers, cable modems, network...
by madbrain
Wed Aug 05, 2015 8:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1049
Views: 176395

Re: What Movie Have You Recently Watched?

No, it was not so bad a movie that it was fun to watch, it was just bad. If you want to watch a movie that's so bad it's fun to watch, I recommend Project Almanac . We rented this a couple weeks ago. All the science in it completely laughable. I suppose that's somewhat to be expected with any time ...
by madbrain
Wed Aug 05, 2015 7:57 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1049
Views: 176395

Re: What Movie Have You Recently Watched?

We saw "Magic Mike XXL" on sunday. It was just terrible. Save your money. I never saw the original so I don't know how that compares, but I won't be watching it to find out.
by madbrain
Wed Aug 05, 2015 7:55 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1049
Views: 176395

Re: What Movie Have You Recently Watched?

Mission Impossible - Rogue Nation I would rate the MI series as 1,4,5,3,2 from best to worst. While the 5th one isn't as entertaining as the 4th it is definitely worth a watch if you liked 1 or 4. We saw MI5 over the weekend - I thought it was pretty good. I can hardly believe Tom Cruise did all th...
by madbrain
Wed Aug 05, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1049
Views: 176395

Re: What Movie Have You Recently Watched?

Mr. Holmes for the first time and The Drop for the second time. Ian McKellen's performance in Holmes has been justly celebrated, but there's far more to the film than just his performance. I saw Mr Holmes with my husband last night . We went to an 11pm show and had the entire theater to ourselves. ...
by madbrain
Wed Aug 05, 2015 7:41 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1049
Views: 176395

Re: What Movie Have You Recently Watched?

Thanks to Lady Geek for reminding us that American Sniper is a movie, meant to entertain, not a partisan screed disguised as entertainment. Not to entertain, but to inform and was not one sided. Glorification of killing leads to murder on our streets. The same Hollywood movies play in essentially e...

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