Search found 952 matches

Go to advanced search

by serbeer
Fri May 01, 2015 11:13 pm
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 3591

Re: Polls Disabled

I do understand some polls have a certain entertainment value, but our resources are limited and we prefer to focus on areas where we feel we can do the most direct good. I started to write long post to respond to this, spent about 10 mins writing it, and then just deleted it all. I am just going t...
by serbeer
Tue Apr 21, 2015 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Friend's house burnt, Helping him start new financial life?
Replies: 20
Views: 2300

Re: Friend's house burnt, Helping him start new financial li

And of course insurance will not pay for lost personal belongings. Why is that? Any homeowner insurance includes coverage of content of the house, usually pegged at ~40% of house total value. Depending on policy, it covers either cash value or full replacement value, with the later obviously being ...
by serbeer
Mon Apr 13, 2015 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Would you refinance to save 0.25%?
Replies: 23
Views: 2014

Re: Would you refinance to save 0.25%?

I did about 5 or 6 no-fee refinances, lowering my initial rate from 5% to 3%, most in 0.25% increments. I made sure there was no pre-payment penalty on each one and, to avoid resetting the clock, I am still paying original amount of payments monthly, paying the difference as as additional principal ...
by serbeer
Thu Apr 09, 2015 2:22 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 655
Views: 412992

Re: Spreadsheet for backtesting (includes TrevH's data)

I'm wondering if there is any write-up that may walk me through the steps. Is this something that others would find useful? The funds I'm planning on adding are DFA funds. Sorry, there is not. I am sure some people will find it useful. Majority on this forum... probably not. See my comments a few p...
by serbeer
Wed Apr 08, 2015 11:59 am
Forum: Investing - Theory, News & General
Topic: Fix in Fidelity Full View
Replies: 8
Views: 1071

Re: Fix in Fidelity Full View

I think a tool like this would be very useful, but I'm scared about security issues. How secure are these sites? You can make it more secure if you have smart phone. Then you can use Symantec VIP token Fidelity provides free of charge. https://www.fidelity.com/security/soft-tokens/overview Or, if y...
by serbeer
Wed Apr 01, 2015 1:20 pm
Forum: Personal Consumer Issues
Topic: Use work phone as primary phone?
Replies: 13
Views: 701

Re: Use work phone as primary phone?

Use work phone as personal phone for several years now. Ported former personal cell phone number to Google Voice, installed GV app on the phone and forwarded GV number to work phone number. Saves $50/month and works just fine.
by serbeer
Mon Mar 30, 2015 5:49 pm
Forum: Personal Consumer Issues
Topic: Ad Blockers
Replies: 34
Views: 2006

Re: Ad Blockers

Adblock Plus used to be good but they have sold out recently, allowing ad networks to pay them to be ''whitelisted'' and get ads through. (They claim they do this very rarely but in reality hundreds of networks and sites are whitelisted, and even if they scaled it back, why use an adblocker that do...
by serbeer
Sun Mar 29, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Estimated Tax Coupons in *.pdf
Replies: 5
Views: 377

Re: Turbo Tax Estimated Tax Coupons in *.pdf

These estimated payments forms don't get filed/sent if you file electronically, just like cover page does not. It is printed for you in case you want to use it next year. Or, if you don't file electronically and printed to mail, you should not mail these forms in, just throw them away.
by serbeer
Thu Mar 19, 2015 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: how much mortgage would you be comfortable with?
Replies: 43
Views: 4625

Re: how much mortgage would you be comfortable with?

I am tempted to advise you to buy as much of a house as you can afford--and that can be a very expensive house indeed. Go all out!!! Because you will spend the money on the house itself, furniture to fill it, cleaning people to clean it, crews to fix it, and more crews to cut the grass--not to menti...
by serbeer
Wed Mar 11, 2015 1:46 pm
Forum: Personal Consumer Issues
Topic: FSA Deadline looming in 3 days. How to use?
Replies: 7
Views: 664

Re: FSA Deadline looming in 3 days. How to use?

Not going to cost $2.5K, but any sunblock with SPF of 15+ is eligible for FSA and so is saline solution. Blood pressure monitors. Dental items, vision items as well. Medical supplies, such as braces/bandages/elastic wraps (but not OTC medication that now requires prescription). Chiropractor. Body sc...
by serbeer
Tue Mar 10, 2015 3:32 pm
Forum: Personal Consumer Issues
Topic: Fidelity Amex extended warranty ?
Replies: 3
Views: 488

Re: Fidelity Amex extended warranty ?

I used their warranty when cleaning sensor on my $600 Canon camera (I bought with the card from Amazon) went bad. Original warranty was 1 year, so card doubled it to 2. The camera was ~1 year and 10 months old when the problem developed. Customer Service of the company the card contracts with sent m...
by serbeer
Thu Mar 05, 2015 1:31 pm
Forum: Personal Consumer Issues
Topic: Anyone fans of the CNBC show American Greed???
Replies: 32
Views: 2624

Re: Anyone fans of the CNBC show American Greed???

choices wrote:Yes. Am always surprised at all who fall for the old " too good to true" gambit.

Anyone who ever played lottery? $250M for $5!
by serbeer
Tue Mar 03, 2015 11:11 am
Forum: Investing - Help with Personal Investments
Topic: What if you already have a couple million?
Replies: 42
Views: 6867

Re: What if you already have a couple million?

Better question is whether you have, for example, 2-3 young kids.
If you need to house them, pay for their activities while in school, and put them through college afterwards, you are not there yet retirement-wise even with a couple of millions, not by long shot IMO.
by serbeer
Mon Mar 02, 2015 5:45 pm
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 80
Views: 5606

Re: How do I learn to like sushi?

We eat sushi quite often, but my wife does not eat raw fish. So how do we do it? Simple. She orders sushi that only has Unagi (fresh water eel that is fully cooked), and, if available, smoked salmon sushi. There are both nigiri and rolls (there is a variety of unagi rolls that has multi-components o...
by serbeer
Wed Feb 25, 2015 12:39 am
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 655
Views: 412992

Re: Spreadsheet for backtesting (includes TrevH's data)

Yes, only annual data supported. I believe that's enough for most forum member, not to mention that only a minority on this board is interested in back-testing to begin with. In fact, there is significant percentage who don't even bother to calculate their own annual returns, on assumption that they...
by serbeer
Mon Feb 23, 2015 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Limited account access
Replies: 5
Views: 494

Re: Limited account access

Former INGDirect (currently Capital One 360) does the same thing with read-only password/code for financial aggregation sites since yet 2 or so years ago.
by serbeer
Mon Feb 23, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 655
Views: 412992

Re: Spreadsheet for backtesting (includes TrevH's data)

Thanks very much folks. Impressive work, to say the least. Three more questions: 1) I got on the Kitco site and found historical prices for gold, but older data does not seem to be in a format that allows downloading. Did you folks just obtain the data by hand, or did you find a way to download dig...
by serbeer
Tue Feb 17, 2015 5:45 pm
Forum: Personal Consumer Issues
Topic: A Special Message From Social Security
Replies: 68
Views: 6758

Re: A Special Message From Social Security--NOT!

Got the same. The link takes one directly to SS site main page, using encryption to connect, so not phishing.
Not really big deal IMO, just advertisement for additional site capabilities. But yes, phishing is always a concern and yes, it pays to stay alert.
by serbeer
Tue Feb 17, 2015 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Prorating Tax Refund with Dear Wife
Replies: 18
Views: 1884

Re: Prorating Tax Refund with Dear Wife

Turbo Tax desktop version has worksheet called "What-If" or something very similar--which is not easy to find, you have to switch to forms mode and look for it by the name. Among other hypotheticals, it allows you to see instantly what your tax numbers, including taxable income and resulti...
by serbeer
Mon Feb 09, 2015 12:04 am
Forum: Personal Consumer Issues
Topic: Which light bulbs are best bang for the buck?
Replies: 41
Views: 3789

Re: Which light bulbs are best bang for the buck?

LEDs reached the price level when you don't need to think very hard. Just bought 60W-equivalent 9W dimable LEDs from Staples for $3.99 a piece. Same price for non-dimable ones in Menards. I now have the whole house covered in LEDs except my GU10 halogen fixtures, which a shame since these actually a...
by serbeer
Fri Feb 06, 2015 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 10966

Re: How to respond when someone asks how much money you make

"I'll forgive your asking if you forgive me not answering"
"Sorry, but I only share this with IRS"
"I don't see how this information could be of any real use to you whatsoever"

I've given all 3 answers in the past actually
by serbeer
Fri Feb 06, 2015 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 3595

Re: TurboTax turns off all state efiling to prevent fraud

Hm, per my recollection, TT did not ask me for account number to download tax forms. It mostly used PINs that were provided by the financial institutions and employers on W-2 and 1099 forms mailed to me, and, in one case if memory does not let me down, it took me to the site to log in through browse...
by serbeer
Thu Jan 29, 2015 1:59 pm
Forum: Investing - Theory, News & General
Topic: What's wrong with volatility if buy&hold
Replies: 52
Views: 3828

Re: What's wrong with volatility if buy&hold

While volatility is not the major factor, at least in accumulation state of the portfolio, it is indeed a factor. Here are several discussions we had on the subject. The first 2 are easy readings, while the 3rd is the most in-depth: https://www.bogleheads.org/forum/viewtopic.php?t=66601 https://www....
by serbeer
Wed Jan 28, 2015 5:21 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 655
Views: 412992

Re: Spreadsheet for backtesting (includes TrevH's data)

Yeap, wrong link. https://drive.google.com/file/d/0B6rEnGbxebTBOWRfMUpDOC1jbWc/view?usp=sharing is the one for xls version 14b. All right, since you state that it works with OpenOffice, I'll add the link to my main post with that comment. I'll keep xlsx version for now too--in case someone discovers...
by serbeer
Wed Jan 28, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 655
Views: 412992

Re: Spreadsheet for backtesting (includes TrevH's data)

Unfortunately, the spreadsheet is only supported in Microsoft Excel, and, with LadyGeek's efforts, in LibreOffice. If unpacked xls type version works better than xlsx for OpenOffice, it can continue to be posted in that format. I can see Paul Douglas Boyer had the same idea yesterday, I uploaded sim...
by serbeer
Mon Jan 26, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: Get 17% in russian savings account?
Replies: 49
Views: 4691

Re: Get 17% in russian savings account?

Just don't mistaken it for safe investment because it is "Central Bank" that gives the rate. I'd say you can plunk as much into this account as you would be willing to plunk into junk bonds.
http://news.yahoo.com/p-downgrades-russ ... 42071.html
by serbeer
Thu Jan 22, 2015 1:21 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 655
Views: 412992

Re: Spreadsheet for backtesting (includes TrevH's data)

siamond: VTMGX inception date is 08/17/1999 per https://advisors.vanguard.com/VGApp/iip/site/advisor/fund/vtmgx so it is oldest in the class, while VDVIX inception date is only 12/19/2013 https://fundresearch.fidelity.com/mutual-funds/summary/92206J107 Performance of admiral vs investors fund should...
by serbeer
Thu Jan 22, 2015 11:09 am
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 655
Views: 412992

Re: Spreadsheet for backtesting (includes TrevH's data)

... - Can I replace the loaded funds by another ones replacing the corresponding historic data? I don't see why not. Of course, you need to know Excel well enough to do that. And as long as it is the case, why not simply add a fund? There are unused placeholders for up to 9 more funds in the Data t...
by serbeer
Wed Jan 21, 2015 6:54 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 655
Views: 412992

Re: Spreadsheet for backtesting (includes TrevH's data)

Posted Rev14b update to Google Drive. See the OP of this thread to find the link.
Comments are welcome.
by serbeer
Tue Jan 20, 2015 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: What price are you planning to pay for your next car?
Replies: 91
Views: 7443

Re: What price are you planning to pay for your next car?

Cars have residual values. I avoid taking "steeper than the rest" depreciation on the new car by buying 2-3 yo models, still under warranty. Then I keep them for 5-7 years and sell them before they become unreliable. I estimate that every year any car looses $3-3.5K of value, depending on ...
by serbeer
Fri Jan 09, 2015 3:13 pm
Forum: Personal Consumer Issues
Topic: Emergency Road Service..........
Replies: 36
Views: 3175

Re: Emergency Road Service..........

Amica provides one at no cost to auto insurance holders on Platinum level (which is default level I believe unless one choses to exclude or lower coverage as calculated by them). Used it once, worked fine.
by serbeer
Thu Dec 18, 2014 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Liability Insurance - Need it or not?
Replies: 49
Views: 4936

Re: Umbrella Liability Insurance - Need it or not?

For those of you who have umbrella policies what is the liability on your Home/Auto at? I asked my insurance agent about an umbrella policy. He said that for a 1MM umbrella they want to see your house/auto liabilities at 1MM too and that it is the industry standard to have matching liabilities like...
by serbeer
Wed Dec 17, 2014 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Problems with Fidelity Backdoor
Replies: 12
Views: 1766

Re: Problems with Fidelity Backdoor

Had similar situation with Ameritrade. Backdoor Roth conversion would only be allows after (if I recall right) 5 business days after ACH transfer. Because it is considered withdrawal from IRA account where it was placed by ACH.
by serbeer
Tue Dec 16, 2014 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Liability Insurance - Need it or not?
Replies: 49
Views: 4936

Re: Umbrella Liability Insurance - Need it or not?

Chubb is in the top 5 best IMO, so good choice. Beginning of the list per my previous research looks approximately like this: 1 Amica 2 Country 3 ERIE 4 Chubb 5 Fireman's Fund 6 Electric 7 Vigilant USAA would be up there, but sold only to military families. Order on this short list is rather arbitra...
by serbeer
Mon Dec 15, 2014 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Liability Insurance - Need it or not?
Replies: 49
Views: 4936

Re: Umbrella Liability Insurance - Need it or not?

A coworker of mine retired with a $1M umbrella policy. He was sued and lost $2.8M in the lawsuit which was exactly equal to his total liquid net worth + the umbrella policy. It appears that the lawyers from the other side knew exactly how much to go after. Really? Perhaps you meant "total afte...
by serbeer
Thu Dec 11, 2014 11:14 am
Forum: Investing - Help with Personal Investments
Topic: An interesting way I just thought about debt
Replies: 18
Views: 2775

Re: An interesting way I just thought about debt

If I want to retire at current spending I need 3.75 million. If debt free I need 2.5 million. You are looking at it from viewpoint of emotions and not math. If you want to retire debt free you don't need $3.75M. You only need $2.5M + $535K (to pay off the debt). Debt at <3% interest is a very decen...
by serbeer
Wed Dec 10, 2014 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: An interesting way I just thought about debt
Replies: 18
Views: 2775

Re: An interesting way I just thought about debt

Not sure how you arrived to $127K per year to service $50K payments on debt. With ~40% tax bracket, even if in 10% state bracket, it would still be ~$75K pre-tax as far as I can calculate. Well, if you have a mil in index funds, I bet about half of it is in taxable, so could get rid of the $535K it ...
by serbeer
Wed Dec 10, 2014 4:09 pm
Forum: Personal Consumer Issues
Topic: Help Me Pick Insurer - Safeco - Erie - AAA
Replies: 25
Views: 2356

Re: Help Me Pick Insurer - Safeco - Erie - AAA

...USAA costing military vets many %'s more than normal market rates for homes. I can't help but wonder if they aren't trying to take advantage of captive market... What makes this market "captive"? Perhaps you meant something like "already captured part of the" instead? If so, ...
by serbeer
Mon Dec 08, 2014 3:14 pm
Forum: Personal Consumer Issues
Topic: Help Me Pick Insurer - Safeco - Erie - AAA
Replies: 25
Views: 2356

Re: Help Me Pick Insurer - Safeco - Erie - AAA

Don't know about AAA, the other two are good--and Amica is better than any of them.
by serbeer
Mon Dec 08, 2014 2:46 pm
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3635

Re: Family jewels, kind of.

All I can tell you without reading the responses is that if the only parameter you'd get upgrade on is on Polish and Symmetry from Good to Excellent, I would just get the stone(s) from in-laws to be if you have a feeling that they want to get rid of the stones and if you need the stones. This is jus...
by serbeer
Fri Dec 05, 2014 2:17 pm
Forum: Investing - Theory, News & General
Topic: Someone tried to login to my vanguard account yesterday
Replies: 38
Views: 5568

Re: Someone tried to login to my vanguard account yesterday

Do you have this account in one of the account aggregation services (FullView, Yodlee, Mint, etc)?
They auto-update accounts every once in a while and could be trying to log in.
by serbeer
Mon Dec 01, 2014 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 37
Views: 3988

Re: fidelity refusing custodian custodian rollover

semperlux wrote:...
The only downside is less bankruptcy, divorce, & lawsuit protection in an IRA (California) versus 401K.

No type of account provides any degree of divorce protection. Correct in regard to bankruptcy and lawsuits.
by serbeer
Thu Nov 20, 2014 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: HMO vs PPO
Replies: 16
Views: 1556

Re: HMO vs PPO

Nope.
by serbeer
Thu Nov 20, 2014 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: HMO vs PPO
Replies: 16
Views: 1556

Re: HMO vs PPO

I like PPO, but for some things it is much much more expensive. In our case, with HMO, for our 1st pregnancy and childbirth we paid single $20 OBGYB copay for entire pregnancy, $30 copay to see OBGYN specialist for 3rd-level ultrasound once, and $150 for hospital admission = $200 total. While the to...
by serbeer
Wed Nov 19, 2014 6:58 pm
Forum: Personal Consumer Issues
Topic: Humidifier: How much condensation is too much?
Replies: 35
Views: 3258

Re: Humidifier: How much condensation is too much?

My wife says it isn't just the one window. At least three windows on the second floor develop about a one-inch-wide strip of fog during the night that dries up during the day. So it sounds like if I care about the transient strips of condensation that persist for several hours (?) some nights but e...
by serbeer
Wed Nov 19, 2014 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer - Accept or reject
Replies: 46
Views: 8350

Re: Pension buyout offer - Accept or reject

investor wrote:I assume that the $57K could be rolled into an IRA. I would invest the $57K for 12 years, expecting about 10% average annual return. But that is just me.
investor

You are SUCH an optimist
by serbeer
Mon Nov 17, 2014 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 37
Views: 3988

Re: fidelity refusing custodian custodian rollover

The check thing is no big thing and justed misplaced worry on your part. I think this stems from folks actually withdrawing all the money and depositing the check in their checking account and trying to write a new check. That's not what you are going to do. If I may ask, what is wrong with cashing...
by serbeer
Wed Nov 12, 2014 7:05 pm
Forum: Personal Consumer Issues
Topic: History of American mortgages
Replies: 11
Views: 1346

Re: History of American mortgages

I heard that in Europe most mortgages are still 10 or 15 years in duration nowadays, not 30 as here in US. That, obviously, heavily affects people's ability to take them out. Lending is just not as frivolous there.
by serbeer
Tue Nov 11, 2014 11:13 am
Forum: Personal Consumer Issues
Topic: Electricity costs going up
Replies: 46
Views: 4157

Re: Electricity costs going up

California, Hawaii, Connecticut I think you pay a lot more. Over 30 cents/ kwhr in some cases (CA by volume and time of day). Hawaii because it's cut off, 80% of its electricity comes from burning bunker fuel (ie oil). And New York City is in the 20s. That's more or less what we pay in the UK (15p ...

Go to advanced search