Search found 133 matches

by 4nwestsaylng
Sat Aug 19, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 66
Views: 4423

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: 57
Views: 2700

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: 19
Views: 1766

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: 19
Views: 1766

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: 19
Views: 1766

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: 19
Views: 1766

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: 19
Views: 1766

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: 19
Views: 1766

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: 1051

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: 2244

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: 2244

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: 2244

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: 2244

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: 10584

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: 2244

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: 2244

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: 2244

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: 2244

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: 2005

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: 1597

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: 2244

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: 2244

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...
by 4nwestsaylng
Wed Aug 09, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2244

Harry Bosch: the Amazon Series vs the novels

Felt prompted to start this thread, as I have recently decided to make use of my 3 month Amazon Prime trial (won't be using,just don't order much) by at least watching the Bosch Series, currently in its third year. Having read a number of the Michael Connelly novels on Bosch and also the Mickey Hall...
by 4nwestsaylng
Sun Aug 06, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: amount for king mattress
Replies: 10
Views: 796

Re: amount for king mattress

Thanks. We have a couple of large furniture places here, I definitely will avoid mattress stores. Bought a Costco queen and it was great, but they don't carry the full size, so I think I need to flop down on some mattresses. I am going to avoid foam, try for a coil mattress; maybe old fashioned but ...
by 4nwestsaylng
Sun Aug 06, 2017 9:31 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 135
Views: 13328

Re: What we know about robo advisors

I am intrigued by your posting that with your current noncorrelating protection, you would be down no more than 15% if TSM drops 50%, and up no more than 15% if TSM goes up 50%. Could you elaborate on how you have set this up? Just asking 8-) Oh I have a lot of covered puts (short stock, short a pu...
by 4nwestsaylng
Sun Aug 06, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: amount for king mattress
Replies: 10
Views: 796

Re: amount for king mattress

I am looking for a full sized mattress. Costco has many but they all contain foam. I don't think I want foam because very sensitive to heat.Also would prefer natural fabric on the outside, less heat. Is latex foam regarded as less hot? I think I would prefer no foam. Anyone have experience with Ikea...
by 4nwestsaylng
Sun Aug 06, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Townhome or condo?
Replies: 29
Views: 2213

Re: Townhome or condo?

I know many people love CA. However, for comparison, a nice ten-year-old, 2000 sq. ft. 3BR, 2.5 Bath cluster home recently sold in my area for $270,000. The monthly fee is $140, and the schools are very good. It is located in a nice convenient suburb. If you choose a HCOLA, you pay the price. You m...
by 4nwestsaylng
Sun Aug 06, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 135
Views: 13328

Re: What we know about robo advisors

I'm also looking at metrics. Wouldn't the Sharpe and Sortino ratios be used to measure this effect? Not quite. In fact the Sharpe ratio uses the same ideas I was talking about. The Sharpe ratio is computed by subtracting off the risk free rate of return from asset return and then dividing by volati...
by 4nwestsaylng
Sun Aug 06, 2017 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Townhome or condo?
Replies: 29
Views: 2213

Re: Townhome or condo?

I am not sure what the definition of condo vs townhome is in California. I suspect that "condo" means basically an apartment, maybe even a converted apartment, that you own,and the land and maintenance, etc is in common ownership. In some states "townhouse" means that you actually own your own land,...
by 4nwestsaylng
Sun Aug 06, 2017 1:33 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolios
Replies: 18
Views: 2586

Re: Schwab Intelligent Portfolios

It's in my taxable account so the tax loss harvesting should be helpful. I say I'll keep it for a couple of years, I agree value tilted portfolios can underperform for years, but I will look at the return at two years and if it is equal or reasonably close to my other 3 fund, I will just keep it. Wh...
by 4nwestsaylng
Sat Aug 05, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolios
Replies: 18
Views: 2586

Re: Schwab Intelligent Portfolios

The cash does earn the sweep money market rate, currently at about 0.66%,will rise as rates rise, but still a sweep rate is lower. Big deal I know, but the opportunity cost loss of higher yield in a better MMF or short term bond fund is the cost of doing business; nothing is free. I am giving it a t...
by 4nwestsaylng
Fri Aug 04, 2017 6:29 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 273
Views: 36604

Re: Retreat to cash

Markets do not like uncertainty, and it would appear that with the new president, 2017 will bring a period of uncertainty on some major issues. I DO NOT intend this post to elicit a political debate or name-calling contest. I have no leanings one way or the other with respect to political parties o...
by 4nwestsaylng
Thu Aug 03, 2017 5:16 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 135
Views: 13328

Re: What we know about robo advisors

Very interested that you all, especially jbolden, are looking at the robo advisors, backtesting, etc..I decided to open an SIP account as I was already with Schwab and easy to transfer funds, but will be following this thread. Concerned about possibiity that there is "substantial risk" in the SIP bo...
by 4nwestsaylng
Wed Aug 02, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Boat - Equity Loan or Cash
Replies: 9
Views: 830

Re: Buying Boat - Equity Loan or Cash

Very hard to get cash out of a boat. You know the saying " best day of your life is when you buy a boat, second best day is when you sell the boat". I would suggest cash only, on an asking price of $65K, definitely get a marine surveyor to go completely over the boat and tell your friend w...
by 4nwestsaylng
Wed Aug 02, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: What am I missing? [Ultra-short bond vs Prime MM]
Replies: 50
Views: 5590

Re: What am I missing? [Ultra-short bond vs Prime MM]

Also I note that Alan Greenspan is stating that he believes we are in a "bond bubble", that the bond market is a much greater worry to him than the stock moarket. If current pricing of bonds is "efficient", ie changes factored in , etc, and following precise models such as those ...
by 4nwestsaylng
Wed Aug 02, 2017 3:32 pm
Forum: Investing - Theory, News & General
Topic: What am I missing? [Ultra-short bond vs Prime MM]
Replies: 50
Views: 5590

Re: What am I missing? [Ultra-short bond vs Prime MM]

It may be that currently TBM has a "Goldilocks" mixture of short, intermediate, and long term bonds, whichh leads to a current average duration of 6 years, and the yield curve is such that changes in the Fed rate are not showing the impact on long term rates. This may not last, for it sugg...
by 4nwestsaylng
Mon Jul 31, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: What is interest rate risk to NAV of BND?
Replies: 6
Views: 565

Re: What is interest rate risk to NAV of BND?

One can use the website morningstar.com to chart the NAV of BND. What happened in the past year? Hint: You should confirm that the NAV of BND is actually HIGHER now than back in December 2016 before the first of 3 FFR increases. Somehow I couldn't access the information on Morningstar.com, but I se...
by 4nwestsaylng
Mon Jul 31, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase Lake House for Primary
Replies: 25
Views: 2720

Re: Should I purchase Lake House for Primary

I grew up on a lake, there was some isolation from other kids, but I learned fishing, how to repair a boat, made my own sailboat. Took a school bus into town for high school. Left for a large city for university, was away most of my career, but came back to the lake every year, and now I have return...
by 4nwestsaylng
Mon Jul 31, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: What is interest rate risk to NAV of BND?
Replies: 6
Views: 565

Re: What is interest rate risk to NAV of BND?

...theoretically, with an average duration of 6 years, a 25 basis point rise in the Fed rate should result in a 1.5% drop in NAV each time. Common misconception, but that's not even theoretically true. The yield on all the bonds in BND would have to increase by 25 basis points at once. Realisticall...
by 4nwestsaylng
Mon Jul 31, 2017 12:40 am
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 56
Views: 3629

Re: Non Stick frying pan

I have had Calphalon and Costco nonstick pans, they always scratch. Cooks Illustrated test kitchens estimate that you will have to throw out a nonstick in a year or two, so recommend not spending a lot.They tested a lot of nonsticks. I don't trust nonstick; anything that can scratch off can get in y...
by 4nwestsaylng
Mon Jul 31, 2017 12:34 am
Forum: Investing - Help with Personal Investments
Topic: What is interest rate risk to NAV of BND?
Replies: 6
Views: 565

What is interest rate risk to NAV of BND?

I don't know how the NAV of BND has reacted to recent rate hikes, but theoretically, with an average duration of 6 years, a 25 basis point rise in the Fed rate should result in a 1.5% drop in NAV each time.I am considering moving funds from Vanguard Prime MMF, which earns about 1% currently, to BND....
by 4nwestsaylng
Thu Jul 27, 2017 1:50 am
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 79
Views: 5009

Re: BMW Z3 or Z4 or nothing at all?

Consider some alternatives: 1990-2000 500 SL Mercedes: an engineering marvel with both removable hardtop and power soft-top, heavy and safe. This is a roadster with more torque than many Porsches.They run in the $6-8k, but were originally close to $100K. Often low miles, and if you get it checked ov...
by 4nwestsaylng
Sun Jul 23, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Best value used sailboat 22-27 feet
Replies: 10
Views: 1089

Re: Best value used sailboat 22-27 feet

I'm not a sailor, but I enjoyed spending time with my grandpa, who was, so pardon the possibly half-educated question. Shouldn't you first narrow down whether your want a fixed deep keel for better stability, especially since you want to operate in semi-open water, or a retractable centerboard/dagg...
by 4nwestsaylng
Sun Jul 23, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Best value used sailboat 22-27 feet
Replies: 10
Views: 1089

Best value used sailboat 22-27 feet

Really this question is not about how to shop for a boat (condition, etc) but any experiences with the build quality or design of some of the well known makes: Catalina, Cal, J class, Hunter, Erickson, San Juan, and also thoughts about these fiberglas boats vs some of the classic wooden sailboats su...
by 4nwestsaylng
Sat Jul 22, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Medical malpractice attorney - how to find?
Replies: 29
Views: 2129

Re: Medical malpractice attorney - how to find?

Just keep in mind medial malpractice like a lot of personal litigation has nothing really to do with who is right or wrong. Since it is done on contingency basis and the cost are VERY high to try a malpractice case (time, paperwork, legal experts, fight not against the doctor's pockets but their mu...
by 4nwestsaylng
Sat Jul 22, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Medical malpractice attorney - how to find?
Replies: 29
Views: 2129

Re: Medical malpractice attorney - how to find?

Contact an old school, blue ribbon firm (there are always one or two at least)-they may not do medical liability cases (malpractice is a legal determination,not a classification of all cases, so I call it liability, from the defense side of course), but if they do estate law, corporate,business law,...
by 4nwestsaylng
Sat Jul 22, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 128
Views: 8848

Re: Is Amazon Prime worth it?

The posters from rural areas have a good point, very convenient just to order things. I do live near a Costco, and even there, after being a member for over twenty years, now I find I get through the store quickly,I am only looking for specific food items, not buying hard goods, and their clothes ra...
by 4nwestsaylng
Sat Jul 22, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 128
Views: 8848

Is Amazon Prime worth it?

I can see that it is worth it if you order a lot of items; even one heavy item would pay for a year. But in my case, I was going to order a piece of exercise equipment over 100lb,so took the free 3 month Prime membership. Actually ended up buying the equipment from a competitor who matched Amazon an...
by 4nwestsaylng
Fri Jul 21, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 60
Views: 3053

Re: Commuters (that drive), what do you listen to?

I listen to continuing education CDs (they come as podcasts but I haven't converted yet) for my profession,although I find these work best for a longer drive of a few hours, even though each CD is only one hour. I need to get education credit so this is easier than spending time reading journals. Fo...
by 4nwestsaylng
Fri Jul 21, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Scooter for local commute - Honda PCX 150, etc...
Replies: 44
Views: 2276

Re: Scooter for local commute - Honda PCX 150, etc...

I have always wanted a Vespa, but these are not the narrow lanes of Italy. I have two professional friends who have ridden bicycles to work for years, to their university jobs. One was hit by an inattentive motorist (after years of commuting), fractured hip. The other was using narrow racing tires,h...