Search found 161 matches

by 4nwestsaylng
Wed Sep 20, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Convertible in Florida or not...
Replies: 38
Views: 2405

Re: Convertible in Florida or not...

You started driving with a Jaguar, why not buy a new or near new Jaguar hardtop coupe? A beautiful car, with windows down it gives you the convertible fresh air, and the rest of the time you can enjoy the security and comfort of a closed cabin. There are lots of Mercedes and Lexus around, but Jags a...
by 4nwestsaylng
Sat Sep 09, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 6496

Re: Luxury car: perception vs reality

The S class does not look flashy, especially in Southern Cal, you don't even notice them. They retail for well over $100k, depreciate like a rock; you are in a great market for a nice used Mercedes. These are very safe; you get not only weight/mass in your favor, but high strength steel and protect...
by 4nwestsaylng
Sat Sep 09, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 6496

Re: Luxury car: perception vs reality

My daily driver is a Toyota Matrix, and we also have a 2 year old Camry. Neither gets me excited when I drive them. Also have a E36 M3, and the driving character leaves you with a smile on your face. For me, there are plenty of $100k+ cars I'd never touch. ving and living environment. I couldn't ca...
by 4nwestsaylng
Thu Sep 07, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: Classic Car for Teen Driver(?)
Replies: 106
Views: 17673

Re: Classic Car for Teen Driver(?)

A classic car is really a second or third car for an owner; it is not dependable as a daily driver, it may be needing to be worked on for many weekends, and it is definitely not for drives far from home. In addition, in this crazy world, does he really want to be high profile on the road with an eye...
by 4nwestsaylng
Thu Sep 07, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Critique this TSP allocation
Replies: 28
Views: 1957

Re: Critique this TSP allocation

Can't argue with that.
by 4nwestsaylng
Thu Sep 07, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Effective TSP distribution
Replies: 7
Views: 710

Re: Effective TSP distribution

Rick, you didn't mention your assets in your taxable account, or if you also have a Roth or traditional IRA outside. You need to look at your total asset allocation to then determine the percentage of bonds and equities for that total,preferable keeping the fixed income portion in your TSP since it ...
by 4nwestsaylng
Thu Sep 07, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Critique this TSP allocation
Replies: 28
Views: 1957

Re: Critique this TSP allocation

I was going to split the bond allocation into 50% G, 50% F, but when I looked at TSP 's target funds, they keep most of the bonds in the G, and stay with only 6% in the F fund. Does that make any sense? Outside of TSP, people who do two or three fund, etc., may hold Total Bond or Intermediate. In b...
by 4nwestsaylng
Thu Sep 07, 2017 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Critique this TSP allocation
Replies: 28
Views: 1957

Re: Critique this TSP allocation

I think right now, capital preservation is especially wise. Not market timing, but an analysis of how much of your AA are you prepared to lose if the market drops 10 percent. If your IRA is small, probably doesn't make much difference having it in equities, you have a TSP, I would suggest just put i...
by 4nwestsaylng
Thu Sep 07, 2017 1:03 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 4916

Re: Do I need an Amazon Echo??.....

I asked my really smart neighbor who works for the NSA. He seems to think everybody should have one. Exactly. I think you have nailed it. I have concerns about some of the agendas of Mr.Bezos at Amazon, Mr.Schmidt at Google, and of course Mr.Zuckerberg. I would suggest you read the books "Animal Fa...
by 4nwestsaylng
Thu Sep 07, 2017 12:53 am
Forum: Investing - Help with Personal Investments
Topic: Critique this TSP allocation
Replies: 28
Views: 1957

Re: Critique this TSP allocation

My usual recommendations with the TSP and Vanguard are to hold all your bonds in the TSP because the G fund is better than anything you can get at retail, and all your international outside the TSP because Vanguard's Total International is better diversified than the I fund. However, since you alre...
by 4nwestsaylng
Thu Sep 07, 2017 12:40 am
Forum: Investing - Help with Personal Investments
Topic: Schwab, Fidelity, or Vanguard for taxable account?
Replies: 21
Views: 2516

Re: Schwab, Fidelity, or Vanguard for taxable account?

I know most people here are pro-Vanguard, and I can't argue with the fact that they have some great funds. I had both Vanguard and Schwab accounts for years, but last year wanted to simplify, for both my taxable and my Roth. I chose Schwab because of the customer service. My experiences with Vanguar...
by 4nwestsaylng
Wed Sep 06, 2017 12:28 am
Forum: Investing - Help with Personal Investments
Topic: Critique this TSP allocation
Replies: 28
Views: 1957

Re: Critique this TSP allocation

Please critique this TSP allocation: G: 10% F: 0% I: 40% S: 40% C: 10% A poster on here posited earlier than the C-fund is basically a terrible S&P 500 fund.. and that something similar to the above would be a good allocation with a heavier international tilt. I do have $50K VTSAX in a taxable acco...
by 4nwestsaylng
Tue Sep 05, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 8556

Re: Protecting moms assets from nursing home expenses

With good home health nursing and bath aides, try to keep her home and out of nursing homes, even if she needs some skilled care. I use the term "skilled nursing facility" (called "SNIF" in the business, really!) advisedly. They are money machines for REITS. Staff are usually poorly paid and stretch...
by 4nwestsaylng
Tue Sep 05, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Service organizations/Dinner clubs?
Replies: 10
Views: 993

Re: Service organizations/Dinner clubs?

Rotary is a great organization and does lots of good works. However, as a self employed professional,I joined for a while, every meeting seemed to be hitting us all up for donations to this or that cause. There were owners of car dealerships, real estate developers, etc, who could write big cheques ...
by 4nwestsaylng
Mon Sep 04, 2017 6:53 pm
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 13018

Re: Do you use lifestrategy/ asset allocation funds?

I have equal assets in tax deferred and taxable accounts, so with my 50/50 AA, it makes most sense to have the fixed income part in the tax deferred, and the equity in the taxable. If try to use LifeStrategy in tax deferred then it is a second diversification, with equities I may not want in the tax...
by 4nwestsaylng
Mon Sep 04, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 155
Views: 24964

Re: The Wall Street Journal to close Google loophole entirely

WSJ certainly better than most other newspapers, but I think it has become more political in the direction of the NYT than in the past, maybe reflects a younger generation of "journalists" who went to the same schools as NYT and WAPO and AP journalists.

I won't subscribe.
by 4nwestsaylng
Mon Sep 04, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: AA with TSP and taxable account to get 50/50
Replies: 4
Views: 535

Re: AA with TSP and taxable account to get 50/50

Good thoughts,Chip. Yes I guess the riskless feature of G fund does take bond price risk off the table, tough though, since you really only get a return that keeps up with inflation, not much real income net of that. I will have to think that one through. But when SS kicks in, added to the annuity, ...
by 4nwestsaylng
Mon Sep 04, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: AA with TSP and taxable account to get 50/50
Replies: 4
Views: 535

Re: AA with TSP and taxable account to get 50/50

Question: 1. Best way to get to a 50/50 AA (not including the emergency cash in the bank). I have read on the site, best to keep fixed income portion in tax deferred as much as possible, equities in taxable. But in this tax bracket,is there really an advantage, or could I do a 50/50 in the taxable ...
by 4nwestsaylng
Mon Sep 04, 2017 1:22 am
Forum: Investing - Help with Personal Investments
Topic: AA with TSP and taxable account to get 50/50
Replies: 4
Views: 535

AA with TSP and taxable account to get 50/50

I am trying to decide how to do this AA. 633k in taxable brokerage account (133k MMF,105k equities,275K Vanguard Intermed Tax exempt VWITX,100k Schwab Intelligent Portfolio) 80 K in Roth IRA (33k individual equities,Vanguard Int.Corp VCIT 26k,VLS conservative 10k,MMF 19k 65 K in HSA Account MMF 800 ...
by 4nwestsaylng
Sun Sep 03, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 67
Views: 7186

Re: Xfinity Mobile

I have an iphone 6, own it and am on Page Plus. Is there no way I can get Xfinity Mobile without giving up my phone ? I don't use data, and I have comcast wireless. Paying $30 a month at PagePlus which includes 2gb I never use. Any suggestions appreciated. I hate Comcast service, but if I could save...
by 4nwestsaylng
Sat Sep 02, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 13457

Re: Another bay area housing thread..

I'm sorry, but to many of us in the non-RSU world of just a salary, it is hard to relate. House prices in the Bay area are in part due to the distortion of the tech world. Having said that, I had a family member who, before the tech bubble burst, was pretty hard to listen to as he bragged about his ...
by 4nwestsaylng
Sun Aug 27, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Hiring a real estate agent to buy home
Replies: 21
Views: 1740

Re: Hiring a real estate agent to buy home

Twenty years ago I heard a lot of recommendations about getting a "buyers agent" , not hired since they get a commission. I found such an agent, he was an unknown in the market, ie had no for sale signs of his own around. I found him impatient after a few house recommendations and dropped him. Bough...
by 4nwestsaylng
Sun Aug 27, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: suggestion on buying our first home
Replies: 31
Views: 2530

Re: suggestion on buying our first home

You should be able to buy a nice house there for $400-500 K., something that would sell well. Also consider a condo if there are some nice ones, as you could keep it as a rental in future in a college town, there is a lot of that in Utah. Renting is fine, but you will not get the real feel of the co...
by 4nwestsaylng
Fri Aug 25, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: Can dispute an expensive medical bill
Replies: 39
Views: 2875

Re: Can dispute an expensive medical bill

I'm an ophthalmologist. A few thoughts... 1. If I see an abnormality on your routine eye exam, I will do an appropriate test. No, my secretary didn't predict in her crystal ball that you would need it. But you do. Immediately assuming that your doctor is somehow scamming you is a bit of a leap. I h...
by 4nwestsaylng
Fri Aug 25, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Can dispute an expensive medical bill
Replies: 39
Views: 2875

Re: Can dispute an expensive medical bill

I scanned some of the replies above on both sides of the issue. First, it may well be that the receptionist quoted incorrectly.Typically, $30-40 is the price for the refraction, the measurement of a spectacle prescription. Most people think that this and a quick look at the eye with a light is a "ro...
by 4nwestsaylng
Fri Aug 25, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 20
Views: 2343

Re: what was the actual return of BND last year?

The advantage (and disadvantage) of a money market fund is that it has a fixed principal value, no gain or loss in principal value except in extremely rare circumstances and only to a few poorly managed funds in the severe financial crisis of 2008-9. Nominal losses cannot happen with MM funds whose...
by 4nwestsaylng
Fri Aug 25, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I abandon airline credit cards for cash back?
Replies: 34
Views: 3032

Re: Should I abandon airline credit cards for cash back?

I restrict my airline card to airline ticket purchases, where I get usually triple miles per dollar. One advantage of my card is that Alaska Airlines allows cardholders to check one bag free, avoiding the $25 charge.I also get the $99 annual companion fare coupon, but rarely use it. Wish the card wo...
by 4nwestsaylng
Sun Aug 20, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 5954

Re: Safe car for wife and baby

All the sensors and warning systems are great, but in the end, when someone's car is heading for you,your last defense is the safety structure of your car. I would recommend either: 1. Volvo SC90,maybe buy one a few years old if price is important, the new ones are $65k 2. Mercedes SUV ML320 or ML 5...
by 4nwestsaylng
Sat Aug 19, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 82
Views: 7387

Re: How useful is a home security system?

I had a wired system, kept tripping the motion detector. I think the sign out front, a well known company helped. Don't buy a fake sign, even I can spot them. I realized that with a pair of pruning shears I could cut the phone line outside at the box and the alarm would be of no use! Also, if you ha...
by 4nwestsaylng
Sat Aug 19, 2017 2:42 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 238
Views: 27179

Re: What is Bitcoin?

As investors, we want to answer this one too: Why does bitcoin have value? A collective belief that it has value. The same as gold, the same as the US dollar, etc. Yes gold does not produce anything, dividends, etc., but its value is more than a collective belief. There is the issue of scarcity; go...
by 4nwestsaylng
Tue Aug 15, 2017 11:24 pm
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 20
Views: 2343

Re: what was the actual return of BND last year?

It does make you wonder, since we had a bull market in bonds,a Fed pushing rates almost to zero for a few years and only recently tightening, and bonds have not dropped much because the rate hikes have been mild, whether and how there could be a corresponding bear market develop in bonds. Alan Green...
by 4nwestsaylng
Tue Aug 15, 2017 8:51 pm
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 20
Views: 2343

Re: what was the actual return of BND last year?

Open to critics on this. I would like to think I could do better with the bond fund, but any fund carries duration risk. The MMF does not. If you are making purchases regularly (say bimonthly or monthly), then the fluctuation in prices can make for better buying opportunities and possibly better re...
by 4nwestsaylng
Tue Aug 15, 2017 6:25 pm
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 20
Views: 2343

Re: what was the actual return of BND last year?

jhd1945 wrote: ↑
Tue Aug 15, 2017 6:20 pm
$10,000 invested in Vanguard Total Bond Market Index Fund Investor Shares VBMFX on 01/01/2016 and sold on 01/01/2017 would have been worth $10,249.75

I was looking back 12 months from 8/14/2017.
by 4nwestsaylng
Tue Aug 15, 2017 6:22 pm
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 20
Views: 2343

Re: what was the actual return of BND last year?

triceratops, I corrected my post but too late.

I agree with you. Thanks.
by 4nwestsaylng
Tue Aug 15, 2017 6:15 pm
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 20
Views: 2343

Re: what was the actual return of BND last year?

Thanks, lack_y, your graph above makes my point. The money market fund beat BND last year in a climate of anticipated and actual rate hikes. Since this will likely continue, it is not clear that a total bond fund such as BND can beat a MMF in a climate of rising rates. Open to critics on this. I wou...
by 4nwestsaylng
Tue Aug 15, 2017 5:45 pm
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 20
Views: 2343

what was the actual return of BND last year?

I have read various threads on this site stating that despite three rate hikes the past year, that BND has gone up. I just don't find that. I looked at Schwab's information on BND yesterday: as of 8/14/2017, the one year NAV price had dropped 2.49%. the current distribution yield showed as 2.43%, wi...
by 4nwestsaylng
Tue Aug 15, 2017 1:52 am
Forum: Personal Finance (Not Investing)
Topic: trailer SUV combination for tyro
Replies: 11
Views: 1182

Re: trailer SUV combination for tyro

OPs question is something I have thought about a lot. First, I think if you did not take your dogs with you, ie if you were taking short trips, that you probably are best with quality accommodations of reasonable price, ie a chain such as Holiday Inn Express or a Marriott product such as Fairfield I...
by 4nwestsaylng
Sat Aug 12, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2531

Re: Harry Bosch: the Amazon Series vs the novels

My wife and I have had Amazon Prime for years and order goods very frequently...had never used the free video service but traveled on business to Australia last week and downloaded a few movies + Bosch Season 1 as well as Catastrophe Season 1 and loved them both...all for free (once you've paid the...
by 4nwestsaylng
Fri Aug 11, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2531

Re: Harry Bosch: the Amazon Series vs the novels

I don't think the time line is a big thing, Not a big deal, true. It just took me a couple of episodes to shift gears because in my mind, Harry is older in the book. Have only watched a few episodes of Season 1 but I liked it. Just don't watch much TV period anymore. You may like Season 2. I found ...
by 4nwestsaylng
Fri Aug 11, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2531

Re: Harry Bosch: the Amazon Series vs the novels

L.A. is really the star of this show, the realistic locations, many familiar if you have ever lived there for a while; some of the aerial shots are amazing, wonder if they use a helicopter and if so how they keep the shot so still. Have not read the books, nor seen the series, but I wouldn't be sur...
by 4nwestsaylng
Fri Aug 11, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2531

Re: Harry Bosch: the Amazon Series vs the novels

Now that I am done with all the seasons of Bosch, what next? Any suggestions for a quality show? Have watched all of Wallamder, and all of Luther. Would like a good show series that doesn't have too too many episodes overall as I do not want to start in on a 60 episode show. First, if you have not ...
by 4nwestsaylng
Fri Aug 11, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone moved to another state for lower cost of living?
Replies: 72
Views: 10923

Re: Anyone moved to another state for lower cost of living?

I just want to say thank you all for the replies. Lot's of great suggestions e.g.SMART goals So..wife and I talked about it and we both agreed that we love SoCal too much and we are planning to move back in due time. What clicked for her was that one of her customers told her they were moving back ...
by 4nwestsaylng
Fri Aug 11, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2531

Re: Harry Bosch: the Amazon Series vs the novels

Welliver wasn't my image of Bosch either, but he's grown on me... Mine either. One problem I have is the time line. Bosch is a Vietnam vet. Welliver was born in 1961. The character in the series and the book are not the same. I don't think the time line is a big thing, because the novels are not se...
by 4nwestsaylng
Thu Aug 10, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2531

Re: Harry Bosch:the Amazon Series vs the novels

I, too , have read most of the Connelly Bosch books. As it turns out, the character is based on a guy I went to junior high and high school with, Rick Jackson. I discovered this when his name was used in one of the books. That is very cool trivia,a little "inside" recognition Connelly put in the bo...
by 4nwestsaylng
Thu Aug 10, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2531

Re: Harry Bosch:the Amazon Series vs the novels

[Titus Welliver is too young to play a Vietnam viet . That was an interesting Freudian slip. I watched whole series - 2 seasons last years, 1 this year. Pretty much the only Amazon content I found worth watching, so my Prime video is now cancelled again. I will probably renew it one month a year wh...
by 4nwestsaylng
Thu Aug 10, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2531

Re: Harry Bosch:the Amazon Series vs the novels

gkaplan wrote:[Titus Welliver is too young to play a Vietnam viet.

see post below.
by 4nwestsaylng
Thu Aug 10, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Another "replace car or not" decision
Replies: 21
Views: 2123

Re: Another "replace car or not" decision

You made the right decision. It is not an issue of "status"; a peeled clear coat I could not drive, I would either repaint or get rid of the car. I think clear coat is probably one of the worst technologies to come around, almost wonder if it was calculated to fail after a few years. I have a 38 yea...
by 4nwestsaylng
Thu Aug 10, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Advice on picking a dentist
Replies: 19
Views: 1741

Re: Advice on picking a dentist

In my experience (admittedly, only one data point), I have found my doctor's online availability to reflect that of his PA (physician assistant), not his. Fortunately, I learned that before I actually went in for the appointment. But, my point is, whether the practice of showing PA availability is ...
by 4nwestsaylng
Wed Aug 09, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2531

Re: Harry Bosch:the Amazon Series vs the novels

[quote="TravelGeek"]I first watched the first season a few years ago. Then I read all books (plus Haller books). When I read the books, I mentally "saw" Titus Welliver, his wife (the FBI agent turned professional gambler), his daughter ... I agree, now that I have seen the series, with my next Bosch...
by 4nwestsaylng
Wed Aug 09, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2531

Re: Harry Bosch:the Amazon Series vs the novels

I think the attraction of the LA Noir is that generally, compared to most cities, if LA is a city, it is sunny,has many beautiful areas close to town, like the hills,and so when the sinister occurs, either in a novel or the series, it is such a counterpoint, and certainly Titus carries that careworn...