Search found 1305 matches

Return to advanced search

Re: Author Advice - Advantages/Disadvantages of Co-author

I agree with the posters who said not to expect great sums of money from writing a book. I have written several technical books and in fact my nickname is derived from a compliment I got on one of them. My books were well-liked by their readers but never made much money mostly due to lack of promoti...
by technovelist
Tue Sep 23, 2014 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 10
Views: 172

Re: SSD+nonSSD HD combos seem to work well

I have a 1TB H/D and a 240GB SSD. The prices have come down so much, it's just not worth it to go to a hybrid. The operating system and my most disk intensive programs/files are on the SSD. I still have about 95GB free. My old storage and large video files are on the H/D, but still leave about 400G...
by technovelist
Tue Sep 23, 2014 5:56 pm
 
Forum: Personal Consumer Issues
Topic: SSD+nonSSD HD combos seem to work well
Replies: 4
Views: 275

Re: How to achieve a balance between "saving" and "living"?!

It's a very curious thing. I remember being young and desperately wanting all kinds of things that I couldn't afford. Yearning for them, and occasionally buying them made me happy. I've gotten much smarter about money since that time. I know so much about it, and investing, and math, that it's frig...
by technovelist
Tue Sep 23, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 53
Views: 4773

Re: Is tax loss harvesting ever a bad idea?

This is very complicated. See http://www.arahcpa.com/blog/fine-tuning ... osses/9110 for a discussion by a CPA.
by technovelist
Tue Sep 23, 2014 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting ever a bad idea?
Replies: 11
Views: 204

Re: Pots of Gold: Here, There and Everywhere

You mention possibly becoming a snowbird. Come on down! There may be tax advantages to becoming a Florida resident. We pay no state, local, or school district income tax. The governor is up for reelection, so he lowered auto tag fees too. Imagine they're much lower than Ohio. You would need to pay ...
by technovelist
Tue Sep 23, 2014 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pots of Gold: Here, There and Everywhere
Replies: 5
Views: 318

Re: Is tax loss harvesting ever a bad idea?

Yes, if you are in a very low tax bracket, it probably doesn't pay to tax loss harvest, especially if you have gains the same year that would go in the 0% LTCG bracket. Agree with the second half, but I wonder about the first half. I wonder if you're basing this on the idea that a loss in a low bra...
by technovelist
Tue Sep 23, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting ever a bad idea?
Replies: 11
Views: 204

Re: Is tax loss harvesting ever a bad idea?

Yes, if you are in a very low tax bracket, it probably doesn't pay to tax loss harvest, especially if you have gains the same year that would go in the 0% LTCG bracket. No. Even if you are permanently in the 0% tax bracket, there's no harm in TLH. (But it doesn't help, either.) And if you are in (s...
by technovelist
Tue Sep 23, 2014 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting ever a bad idea?
Replies: 11
Views: 204

Re: Medicare Advantage Plan.....Stay or Go?

I believe there is a rule that you can switch from Medigap to MA to try the latter, then switch back without underwriting if you do it within one year.
by technovelist
Tue Sep 23, 2014 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage Plan.....Stay or Go?
Replies: 5
Views: 150

Re: Is tax loss harvesting ever a bad idea?

Yes, if you are in a very low tax bracket, it probably doesn't pay to tax loss harvest, especially if you have gains the same year that would go in the 0% LTCG bracket.
by technovelist
Tue Sep 23, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting ever a bad idea?
Replies: 11
Views: 204

Re: First Time Home Buyer dilemma in SoCal

Thank you for the sound advise and much needed perspective on home ownership! From reading this thread with my husband, it is clear that staying put renting, saving and keeping up our research on the neighborhood and market will be the best course of action for now. Given the fact that we are livin...
by technovelist
Tue Sep 23, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer dilemma in SoCal
Replies: 28
Views: 1703

Re: How to achieve a balance between "saving" and "living"?!

I wouldn't go into debt to buy a motorcycle when I already had one.

Actually, I wouldn't buy a motorcycle at all, knowing how hazardous they are. But they are fun!
by technovelist
Tue Sep 23, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 53
Views: 4773

Re: Can anyone help w/ Debt & Credit Score?

Yes, once debts are in collection it won't help your score significantly, or maybe at all, to pay them off. It just takes time and some positive credit events. Note that I'm not saying not to pay debts you owe. I pay my debts and think everyone else should too. But it won't help your credit score to...
by technovelist
Tue Sep 23, 2014 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can anyone help w/ Debt & Credit Score?
Replies: 9
Views: 285

Re: Why don't you do Financial Planning?

I think the problem is that it would be hard to charge much for telling people to save as much as possible and use index funds. :greedy
by technovelist
Tue Sep 23, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Why don't you do Financial Planning?
Replies: 19
Views: 483

Re: Take Social Security at FRA, or Early, or Delayed?

I ran across this article at Forbes from last spring, "Social Security At Age 62? Why Delaying Your Benefits May Not Pay Off". http://www.forbes.com/sites/halahtouryalai/2014/04/23/social-security-at-age-62-why-delaying-your-benefits-may-not-pay-off/ The author discusses the pros and cons...
by technovelist
Tue Sep 23, 2014 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take Social Security at FRA, or Early, or Delayed?
Replies: 15
Views: 452

Re: Can anyone help w/ Debt & Credit Score?

Agreed on avoiding "credit repair services".
by technovelist
Tue Sep 23, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can anyone help w/ Debt & Credit Score?
Replies: 9
Views: 285

Re: Take Social Security at FRA, or Early, or Delayed?

You might want to consider filing and suspending as soon as you reach your FRA. (I hope I've got the proper terminology for that process!) If you later "wish you had started taking SS earlier", and did NOT do this, you can, I understand, "go back" 12 months, and get your benefit...
by technovelist
Tue Sep 23, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take Social Security at FRA, or Early, or Delayed?
Replies: 15
Views: 452

Re: Could one theoretically be 100% stocks your whole life?

placeholder wrote:
nisiprius wrote:For example, last I heard, Suze Orman had about $24 million of her $25 million invested in Treasury bonds.

Zero coupon munis actually.


I wonder what she lives on then? Surely not her salary and other current earnings! :confused
by technovelist
Tue Sep 23, 2014 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: Could one theoretically be 100% stocks your whole life?
Replies: 33
Views: 1879

Re: First Time Home Buyer dilemma in SoCal

Thank you for the sound advise and much needed perspective on home ownership! From reading this thread with my husband, it is clear that staying put renting, saving and keeping up our research on the neighborhood and market will be the best course of action for now. Given the fact that we are livin...
by technovelist
Tue Sep 23, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer dilemma in SoCal
Replies: 28
Views: 1703

Re: Take Social Security at FRA, or Early, or Delayed?

I ran across this article at Forbes from last spring, "Social Security At Age 62? Why Delaying Your Benefits May Not Pay Off". http://www.forbes.com/sites/halahtouryalai/2014/04/23/social-security-at-age-62-why-delaying-your-benefits-may-not-pay-off/ The author discusses the pros and cons...
by technovelist
Tue Sep 23, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take Social Security at FRA, or Early, or Delayed?
Replies: 15
Views: 452

Re: Blocking Your Own Name & Home Phone Number?

cfs wrote:Anyone can call.

Anyone can call my land line number, I never answer the phone anyway, let the caller talk to my pre-WW II type of answering machine.


Wow, that must be a real collectible. Does it use a wire recorder?
by technovelist
Tue Sep 23, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Blocking Your Own Name & Home Phone Number?
Replies: 15
Views: 1022

Re: SSD+nonSSD HD combos seem to work well

Just a tip from my own personal experience that I've noticed regarding PC laptop hard drives and upgrades. I recently upgraded a 3-year old laptop from a regular laptop HD to a SSD hard drive. Resulted in a definite significant speed boost in opening windows from a cold start, probably 2x faster th...
by technovelist
Tue Sep 23, 2014 1:44 pm
 
Forum: Personal Consumer Issues
Topic: SSD+nonSSD HD combos seem to work well
Replies: 4
Views: 275

Re: Long-Term Capital Gain Harvesting

I am interested about the topic of harvesting long-term capital gains, but I am having trouble understanding how all the variables interact with each other when determining the long term capital gains rate. My interest falls under when long-term capital gains and qualified dividends are taxed at 0%...
by technovelist
Tue Sep 23, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Long-Term Capital Gain Harvesting
Replies: 10
Views: 500

Re: Hedge Funds & Diversification

My understanding is that a lot of institutions with big amounts of money to invest (e.g., universities, public pension funds) have been very disappointed with the results of hedge funds.

I think the biggest benefit of hedge funds is to those that run them. :moneybag
by technovelist
Tue Sep 23, 2014 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge Funds & Diversification
Replies: 13
Views: 316

Re: Using Your House for Income in Retirement

> Home equity is the largest store of wealth for retirees Around these here parts I don't believe that is the case. It makes a great deal of sense to downsize (especially if you upsized before). As remarked earlier, a reverse mortgage is a last resort option. One cannot help being suspicious of som...
by technovelist
Tue Sep 23, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using Your House for Income in Retirement
Replies: 16
Views: 924

Re: Long-Term Capital Gain Harvesting

I am interested about the topic of harvesting long-term capital gains, but I am having trouble understanding how all the variables interact with each other when determining the long term capital gains rate. My interest falls under when long-term capital gains and qualified dividends are taxed at 0%...
by technovelist
Tue Sep 23, 2014 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: Long-Term Capital Gain Harvesting
Replies: 10
Views: 500

Re: Risk and the Trinity Study

The Trinity Study casts doubt on the idea that lowering your stock allocation lowers risks in any meaningful sense. If it works, it only works because the expected risk and return of your stock allocation is inferior to the past of the SP500. You have to have confidence that you can predict that. N...
by technovelist
Tue Sep 23, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Risk and the Trinity Study
Replies: 27
Views: 879

Re: The only risk of leverage is selling at the bottom

Yes, I am leveraged, and I can't get a margin call. Win-win! If your mortgage comes due then that can become a margin call. Particularly if you are in negative equity. You imply from your other post that you are in a non-recourse state? This is not true in Canada, UK and perhaps some US jurisdictio...
by technovelist
Tue Sep 23, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: The only risk of leverage is selling at the bottom
Replies: 46
Views: 1257

Re: Does Equity Risk Decrease over Time?

Does Equity Risk Decrease over Time? Can someone please define "Equity Risk"? L. Risk is the chance you won't have enough money when you need it. Equity risk is the effect of equities on risk. We don't know what the future will bring. We don't know how well the past predicts the future. W...
by technovelist
Tue Sep 23, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Does Equity Risk Decrease over Time?
Replies: 39
Views: 1584

Re: First Time Home Buyer dilemma in SoCal

I would not buy in a bubbly housing market, especially if you have to stretch to do so. And you have a good commute and can save lots of money? Keep renting! :moneybag :moneybag :moneybag
by technovelist
Tue Sep 23, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer dilemma in SoCal
Replies: 28
Views: 1703

Re: Using Your House for Income in Retirement

...they should almost certainly sell and rent rather than taking very high-cost reverse mortgages. How are reverse mortgage payments accounted for in Social Security/ACA income determination? That could have an impact on the sell and rent vs reverse mortgage decision. I doubt that reverse mortgage ...
by technovelist
Tue Sep 23, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Using Your House for Income in Retirement
Replies: 16
Views: 924

Re: how to prevent medical expense catastrophe?

Doing away with ALL "insurance" would leave an awful lot of us exposed for the costs of heart bypass surgery, an extended cancer treatment, extended recovery from a serious concussion, etc. My wife got a form of arthritis in her late 20s. She went through various moderate medical treatmen...
by technovelist
Tue Sep 23, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 137
Views: 5202

Re: Long-Term Capital Gain Harvesting

I am interested about the topic of harvesting long-term capital gains, but I am having trouble understanding how all the variables interact with each other when determining the long term capital gains rate. My interest falls under when long-term capital gains and qualified dividends are taxed at 0%...
by technovelist
Tue Sep 23, 2014 11:26 am
 
Forum: Investing - Theory, News & General
Topic: Long-Term Capital Gain Harvesting
Replies: 10
Views: 500

Re: Using Your House for Income in Retirement

I don't count my home equity as anything because I can't get it without re-mortgaging my house or selling (or a reverse mortgage if I paid off my current mortgage). However, if the studies indicating that most people have most of their net worth in home equity are correct, they should almost certain...
by technovelist
Tue Sep 23, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Using Your House for Income in Retirement
Replies: 16
Views: 924

Re: how to prevent medical expense catastrophe?

Since there are several doctors reading and writing in this thread, I would like to ask: would it be better to eliminate insurance entirely? I have said for years that we need to return to paying our providers directly for service. The only reason many of us have health insurance at all is that hea...
by technovelist
Tue Sep 23, 2014 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 137
Views: 5202

Re: Does Equity Risk Decrease over Time?

MrMatt,nicely summed up, aaaaand a big +1. ----------------------------------------------------------- Did we learn something new about reversion to the mean? Does Equity Risk Decrease over Time? Can someone please define "Equity Risk"?L. In this discussion there are two definitions of ri...
by technovelist
Tue Sep 23, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Does Equity Risk Decrease over Time?
Replies: 39
Views: 1584

Re: how to prevent medical expense catastrophe?

Since there are several doctors reading and writing in this thread, I would like to ask: would it be better to eliminate insurance entirely? I have said for years that we need to return to paying our providers directly for service. The only reason many of us have health insurance at all is that hea...
by technovelist
Tue Sep 23, 2014 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 137
Views: 5202

Re: The only risk of leverage is selling at the bottom

I have a mortgage and consider it much less risky than almost any other kind of debt. Why? Because it is non-recourse. Thus, it is effectively a put option on my house. Note: I have no intention of defaulting on my mortgage, or on any other debt, and I have never done so in the past. However, to ca...
by technovelist
Tue Sep 23, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: The only risk of leverage is selling at the bottom
Replies: 46
Views: 1257

Re: The only risk of leverage is selling at the bottom

I have a mortgage and consider it much less risky than almost any other kind of debt. Why? Because it is non-recourse. Thus, it is effectively a put option on my house. Note: I have no intention of defaulting on my mortgage, or on any other debt, and I have never done so in the past. However, to cal...
by technovelist
Tue Sep 23, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: The only risk of leverage is selling at the bottom
Replies: 46
Views: 1257

Re: Could one theoretically be 100% stocks your whole life?

Of course you could be 100% in stocks your whole life.
You could also put all of your money into orange juice futures.
In other words, you can allocate your investments any way you want.
Now, is either of these a good idea? That's a different question! :sharebeer
by technovelist
Tue Sep 23, 2014 10:47 am
 
Forum: Investing - Theory, News & General
Topic: Could one theoretically be 100% stocks your whole life?
Replies: 33
Views: 1879

Re: Why I sold my gold, and would sell commodities too

I agree this sounds like market timing, as gold is near its lowest point in the last 4 years.
But I don't mind if everyone who doesn't think gold has value sells their holdings, because then it will have nowhere to go but up.
by technovelist
Tue Sep 23, 2014 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Why I sold my gold, and would sell commodities too
Replies: 28
Views: 1761

Re: Southwest Airlines Engulfing, Reversal Candle Signals Do

I lost ALL credence in technical analysis when I read about "Fibonacci retraces." It's pure numerology. Fibonacci numbers are real enough, but there are reasons why they show up in nature--they are not mystical or mysterious. And none of the reasons why they show up in nature apply to sto...
by technovelist
Mon Sep 22, 2014 5:15 pm
 
Forum: Investing - Theory, News & General
Topic: Southwest Airlines Engulfing, Reversal Candle Signals Downsi
Replies: 55
Views: 2950

Re: Pension buyout offer

I would start by asking the company how they calculated their estimate and what could change it.
by technovelist
Mon Sep 22, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer
Replies: 11
Views: 702

Re: Barron's article: Don't Panic! (retirement news & theory

Right, so all you have to do is sell right before a bear market. Why didn't I think of that? :oops: One can't possibly know when a bear market is about to start, but even the dullest among us can spot a market selling at multiples never, or rarely, experienced before. Probably wouldn't have alerted...
by technovelist
Mon Sep 22, 2014 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's article: Don't Panic! (retirement news & theory)
Replies: 28
Views: 3442

Re: Help with a property sale decision

I would not take a mortgage back. If the guy wants to buy, let him get a loan from a bank.
by technovelist
Mon Sep 22, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with a property sale decision
Replies: 6
Views: 474

Re: Does Equity Risk Decrease over Time?

I think the answer to this must be "no".
The reason is that if it were "yes", European-style put options with more distant dates would be cheaper than those with nearer dates. They aren't.
by technovelist
Mon Sep 22, 2014 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: Does Equity Risk Decrease over Time?
Replies: 39
Views: 1584

Re: Need help protecting assets (marriage)

While I'm also not a lawyer, my understanding is that any assets that you bring into the marriage that remain titled in your name only would remain your property in case of a divorce. If you receive an inheritance while married, and keep it in your name only, I believe the same rules apply.
by technovelist
Mon Sep 22, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help protecting assets (marriage)
Replies: 63
Views: 4028

Re: "Retirement Calculators" that consider a couple?

As for me, I just bought a new term policy that will take me to age 85, but one of the reasons I bought it is that it has very good living needs benefits. I'm also fortunate enough to be in the best risk class, so it's not wildly expensive. thanks for the info. Can you describe what the "good ...
by technovelist
Mon Sep 22, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Retirement Calculators" that consider a couple?
Replies: 10
Views: 830

Re: $500,000 to invest long-term at age 30 - Where? How?

smdewart wrote:That insight is super helpful and probably saved me a crap-ton of money in expenses over the long run. Thank you! This board is seriously more valuable than gold.


Yes, even though you can't eat the board either. :mrgreen:
by technovelist
Mon Sep 22, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: $500,000 to invest long-term at age 30 - Where? How?
Replies: 29
Views: 4961

Re: "Retirement Calculators" that consider a couple?

Then it sounds like you may need to consider more term life insurance to cover that gap. I have term that will run about another 2-3 years. At that point I'll just have to "self-insure"; we as a couple will take the risk that there will be some hump to overcome if I die early. I don't thi...
by technovelist
Mon Sep 22, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Retirement Calculators" that consider a couple?
Replies: 10
Views: 830

Re: Barron's article: Don't Panic! (retirement news & theory

I enjoy this article, especially the part that says: The impact isn't small. A retiree with a $1 million stock portfolio who began tapping her portfolio during a bear market would have less than a third as much after 20 years as someone who didn't experience a bear market until near the end, all ot...
by technovelist
Mon Sep 22, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's article: Don't Panic! (retirement news & theory)
Replies: 28
Views: 3442
Next

Return to advanced search