Search found 191 matches

by Alexa9
Thu Aug 17, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 123
Views: 4776

Re: Is it worth it? [demanding jobs vs time with family]

If you have a good reasonably priced daycare it is worth it for both parents to work. That's what weekends and vacations are for. Just have to realize that someone else is raising your kids so you should get to know them.
by Alexa9
Wed Aug 16, 2017 9:00 pm
Forum: Investing - Theory, News & General
Topic: Why do we (passive index investors) invest at market weight?
Replies: 34
Views: 2123

Re: Why do we (passive index investors) invest at market weight?

Market weight is simple. The first index fund was an S&P500 Index Fund. If you believe in factor premiums, you probably won't want market weight. Many tilt to small and value.
by Alexa9
Wed Aug 16, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Credit score dropped 100 points overnight
Replies: 31
Views: 2637

Re: Credit score dropped 100 points overnight

Do you use CreditKarma? It's really good. Here are the factors in your score: https://www.creditkarma.com/article/credit-score-factors 1. Open Credit Card Utilization 2. Percent of On-Time Payments 3. Number of Derogatory Marks 4. Average Age of Open Credit Lines 5. Total Number of Accounts 6. Total...
by Alexa9
Wed Aug 16, 2017 10:10 am
Forum: Investing - Theory, News & General
Topic: Dumb, basic question about market-cap weighted funds?
Replies: 35
Views: 1797

Re: Dumb, basic question about market-cap weighted funds?

I recommend an X-Ray of Total Stock Market (VTI) http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx It is 72% Large Cap, 19% Mid Cap, and 9% Small Cap. It also is evenly distributed between value and growth. This is unacceptable for many people on here so they tilt to small value (V...
by Alexa9
Mon Aug 14, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Question about market timing the current market
Replies: 27
Views: 1333

Re: Question about market timing the current market

There is no way to predict the future accurately. If there was, we'd all be rich. 50/50 is not a bad idea with the market at all time highs but there is no way of telling when you are at a peak. The key is to not panic when the market does drop and become more conservative as you get older. The most...
by Alexa9
Mon Aug 14, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: 6K credit line too low.
Replies: 22
Views: 2268

Re: 6K credit line too low.

I'm not familiar with USAA cards. These are my favorite cards right now: Chase Amazon (if you use Amazon Prime, 5% back) Chase Freedom (5% rotating categories) Citi Costco (if you use Costco) Citi Doublecash (2% back, no AF) - better than your Venture Card unless your travel internationally frequent...
by Alexa9
Mon Aug 14, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Due to 8 Year Bull Market, Pay Off Rental Now?
Replies: 35
Views: 3539

Re: Due to 8 Year Bull Market, Pay Off Rental Now?

Nobody knows nothing about the future. The market could continue to rise. I would rather have my money in the market than a property personally. I would suggest adding REIT's if you want more real estate exposure.
by Alexa9
Mon Aug 14, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Public vs Private Elementary
Replies: 57
Views: 3073

Re: Public vs Private Elementary

K-8 schools are generally fine in our area, but Public and Private High Schools have drug problems so take your pick. I would guess the private schools have smaller class sizes, more close knit students, and happier teachers but I could be wrong and I still doubt it is worth the money. If the public...
by Alexa9
Mon Aug 14, 2017 8:13 am
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 3586

Re: How to not obsess over investments?

I see this as a really bad habit and you're most likely worried about your allocation and might consider making it more conservative so you can relax. 1. Set up automatic investing. 2. Change your password to something you won't remember (you can reset it) or set up a site blocker for your brokerage...
by Alexa9
Sat Aug 12, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 10
Views: 981

Re: Trip to Banff / Lake Louise / other places

I thought this was a good list, see for yourself:

https://www.youtube.com/watch?v=wETgdf9FM-4
by Alexa9
Sat Aug 12, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 41
Views: 2692

Your Movie Collection?

We have a pretty good DVD collection and then BluRay comes out. Now there's 4K BluRay. There's also Amazon, Apple, Google, Netflix, Cable, etc. So many choices. Not sure of the legality, but many people rip their movies and store them all conveniently on their computer (hopefully that they have reco...
by Alexa9
Sat Aug 12, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: New car vs used car
Replies: 9
Views: 733

Re: New car vs used car

Luxury vehicles depreciate by a larger amount since they're more expensive. Although if it's a sportscar, who knows how it was driven.
by Alexa9
Fri Aug 11, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Laptop suggestions pls
Replies: 30
Views: 2147

Re: Laptop suggestions pls

I recommend the 13" MacBook Pro w/o touchbar. Also can run Windows if needed. Very good customer service and warranty. Purchase w/ CC to extend warranty. Might find a previous Gen or refurbished to save a bit.
by Alexa9
Thu Aug 10, 2017 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Justifying an Expensive Car Purchase
Replies: 120
Views: 5615

Re: Struggling with Justifying an Expensive Car Purchase

I love playing "Guess Who?" as much as anyone but we can give you better advice if you tell us what make/model and what these killer features are that are worth $35k.
by Alexa9
Thu Aug 10, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Justifying an Expensive Car Purchase
Replies: 120
Views: 5615

Re: Struggling with Justifying an Expensive Car Purchase

Should I buy a 35k car or 70k car but I'm not going to tell you what they are... :oops:
by Alexa9
Tue Aug 08, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: 0 Percent CC - how to take advantage
Replies: 24
Views: 1805

Re: 0 Percent CC - how to take advantage

I would max them all out on money orders or gold bars and then buy call options on AAPL, GOOG, and/or AMZN. :wink:
by Alexa9
Mon Aug 07, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5139

Re: Buying a Vehicle the Old Fashioned Way

Stealerships are not your friends no matter how well they sweet talk you or offer you "free oil changes and car washes."
Private parties are a better place to buy a car and a mechanic is a better place to get it repaired.
by Alexa9
Sun Aug 06, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 47
Views: 3130

Bose Noise Cancelling Headphones

Supposedly Bose are the best at noise cancelling, although there are better headphones for audiophiles in the same price range such as the Hifiman HE400S Full-Size Planar Headphones. They make an airplane trip much more enjoyable. They are great when someone is vacuuming or blowing leaves (or you ar...
by Alexa9
Sun Aug 06, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Love your family car? Under $16,000 Used? Please share!
Replies: 39
Views: 4295

Re: Love your family car? Under $16,000? Please share!

CR-V or RAV-4.

Cheap to buy, own, insure, repair
More reliable, economical
Last longer, better resale value
by Alexa9
Sat Aug 05, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 4121

Re: Help me pick a car

All new Camry and Accord this year. You can get a steal on the old model which is perfectly fine. Although with 2 kids I would look at CR-V/RAV4 and even Highlander/Pilot if you plan on any road trips. Much easier to put kids in car seats.
by Alexa9
Fri Aug 04, 2017 10:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Puts Rivals on Notice: Fee Wars Will Only Heat Up
Replies: 62
Views: 5840

Re: "Vanguard Puts Rival Firms On Notice: Fee Wars Will Only Heat Up"

Competition is good. I still like Fidelity and Schwab. I hope more and more people move to this three from some of the other abysmal financial institutions.
by Alexa9
Fri Aug 04, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing
Replies: 3
Views: 225

Re: New to investing

I would rent until you want kids and are very happy with your career and location. Asset Allocation: Vanguard Target Retirement Date is good to start. You may also read about the Three Fund Portfolio: https://www.bogleheads.org/wiki/Three-fund_portfolio I also like a small cap tilt with Small Cap In...
by Alexa9
Fri Aug 04, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: With your advice, a lot from Paul Merriman, I made this portfolio
Replies: 12
Views: 1440

Re: With your advice, a lot from Paul Merriman, I made this portfolio

List the fund names please. A small value tilt is good for the long term. Be sure to rebalance on market swings especially if in taxable you will want to tax loss harvest.
https://www.bogleheads.org/wiki/Tax_loss_harvesting
https://www.bogleheads.org/wiki/Tax-eff ... _placement
by Alexa9
Fri Aug 04, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 5590

Re: Anyone else have trouble spending?

Bacchus01 wrote:Wouldn't even consider a Honda and I would t be caught dead driving a Highlander.

Biggest issue is that neither has a tow rating even close to the Jeep.
I would say likewise to a bummer and a Fix It Again Tony FIAT.
by Alexa9
Fri Aug 04, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 5590

Re: Anyone else have trouble spending?

Car purchases are the 2nd largest purchase you make. Some people spend more on cars in their lifetime than their house. Haggling with dealers can be stressful and annoying. However, most people have to have transportation so it is a need more than a want. Jeep has questionable reliability lately. Ha...
by Alexa9
Wed Aug 02, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Son
Replies: 21
Views: 2250

Re: Advice for Son

https://www.bogleheads.org/wiki/Managing_a_windfall
Estate planning is the first thing I would do. I would take a month vacation and not touch it. You can afford to be conservative or aggressive depending on your temperament. Pay off all debt. I would own a home in the north and south US. Avoiding tax will be the biggest obstacle.
by Alexa9
Wed Aug 02, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Amazon, eBay, Costco, vs. Walmart?
Replies: 17
Views: 1585

Amazon, eBay, Costco, vs. Walmart?

Amazon: convenient great website, I've found stuff for much less on Walmart.com recently with free fast shipping.
eBay: more obscure items and better prices
Costco: great prices, limited selection
Walmart: good prices, easy to return vs. Amazon/eBay
by Alexa9
Tue Aug 01, 2017 6:13 pm
Forum: Investing - Theory, News & General
Topic: Equal Parts Small, Mid, Large Cap Indexes
Replies: 56
Views: 3024

Re: Equal Parts Small, Mid, Large Cap Indexes

avalpert wrote: To me this smacks of constructing a portfolio based on random thoughts and feelings rather than systemic, rational analysis.


You tilt to small caps yourself. Enlighten us why since you're "systemic and rational."
by Alexa9
Tue Aug 01, 2017 5:14 pm
Forum: Investing - Theory, News & General
Topic: Equal Parts Small, Mid, Large Cap Indexes
Replies: 56
Views: 3024

Re: Equal Parts Small, Mid, Large Cap Indexes

Total Stock Market & Total International are basically large cap funds; therefore not diversified by market cap; therefore the simple Three Fund Portfolio and cap weighting is very flawed IMO. I don't see why large caps are preferable to an equal amount of large, mid, and small caps over the lo...
by Alexa9
Tue Aug 01, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: Equal Parts Small, Mid, Large Cap Indexes
Replies: 56
Views: 3024

Re: Equal Parts Small, Mid, Large Cap Indexes

Total Stock Market & Total International are basically large cap funds; therefore not diversified by market cap; therefore the simple Three Fund Portfolio and cap weighting is very flawed IMO. I don't see why large caps are preferable to an equal amount of large, mid, and small caps over the lon...
by Alexa9
Mon Jul 31, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 29
Views: 1888

Re: Alternatives to Sansa Clip+ MP3 Player

I would get bluetooth headphones to connect to your computer or phone. MP3 Players are becoming extinct.
by Alexa9
Mon Jul 31, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 47
Views: 4320

Re: Comcast - lease modem/router or buy?

Drop it. A good modem/router should last years. Arris Surfboard has good reviews.
by Alexa9
Mon Jul 31, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card options??
Replies: 18
Views: 1923

Re: Best credit card options??

I've had the Citi Doublecash and Fidelity and Citi's website is infinitely better. If you like Costco, their card is also great. Chase Freedom is decent. AMEX Blue Cash Preferred is worth it if you spend a significant amount on groceries. Many of the airline and travel cards are worth it for a free ...
by Alexa9
Mon Jul 31, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: Buying a 2017 Lexus ES 350
Replies: 26
Views: 2410

Re: Buying a 2017 Lexus ES 350

I'd test drive a Toyota Avalon. It's pretty much the exact same car for a lot less (fewer 007 gadgets). No premium gas I believe. The all new Camry is finally nice looking too. Sounds like you drive cars a long time. You could get a CPO and save 30-50%.
by Alexa9
Mon Jul 31, 2017 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Need Help on Vehicle Situation/Another Car Purchase Question
Replies: 20
Views: 1536

Re: Need Help on Vehicle Situation/Another Car Purchase Question

A summer job can easily buy a used Corolla. If you're tight financially, I'd get everyone to drive Corollas.
by Alexa9
Mon Jul 31, 2017 5:47 am
Forum: Investing - Theory, News & General
Topic: Equal Parts Small, Mid, Large Cap Indexes
Replies: 56
Views: 3024

Re: Equal Parts Small, Mid, Large Cap Indexes

Another reason I mention this as a strategy is because mid caps are ignored with a small tilt. Yes, Total Stock Market has some midcaps, but it is mostly large cap. People that tilt to small value and are missing out on mid caps/mid cap value which performs pretty well.
by Alexa9
Sun Jul 30, 2017 8:24 pm
Forum: Investing - Theory, News & General
Topic: Equal Parts Small, Mid, Large Cap Indexes
Replies: 56
Views: 3024

Re: Equal Parts Small, Mid, Large Cap Indexes

I meant to do the same with international to clarify. Total International and Small International. Don't know of a Mid Cap International.
by Alexa9
Sun Jul 30, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Questions about prescribed sunglasses
Replies: 14
Views: 1079

Re: Questions about prescribed sunglasses

+1 for Costco and their Kirkland brand glasses.
by Alexa9
Sun Jul 30, 2017 11:37 am
Forum: Investing - Theory, News & General
Topic: Equal Parts Small, Mid, Large Cap Indexes
Replies: 56
Views: 3024

Re: Equal Parts Small, Mid, Large Cap Indexes

I ask this because The Three Fund Portfolio seems to be good enough for most people on here.
by Alexa9
Sun Jul 30, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: Equal Parts Small, Mid, Large Cap Indexes
Replies: 56
Views: 3024

Equal Parts Small, Mid, Large Cap Indexes

Why is market weighted index (Total Stock Market) preferable to equal parts small, mid, and large cap indexes?
Or even small value, mid value, and large value since the value factor is even larger than the size factor?
by Alexa9
Sun Jul 30, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: NYT: Buy more takeout and hire a maid, study suggests
Replies: 37
Views: 5819

Re: NYT: Buy more takeout and hire a maid, study suggests

Personally, I think that's terrible advice. Cooking and cleaning are therapeutic and save you money.
by Alexa9
Sat Jul 29, 2017 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it ? [A new car]
Replies: 95
Views: 6073

Re: Can I afford it ? [A new car]

Can you afford it? Probably
Should you buy it? Probably not
Car Talk famously said that a Lexus is a Toyota with a $15k L on the front and back.
by Alexa9
Mon Jul 24, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 128
Views: 8820

Re: Is Amazon Prime worth it?

I use it the most for Xmas and birthdays. The site is so easy to send gifts it is almost dangerous.
by Alexa9
Mon Jul 03, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Advice on Desktop PC
Replies: 87
Views: 4216

Re: Advice on Desktop PC

Dell Tower 7th Gen i3 256GB SSD for programs + 1-3TB HD for files 8-16GB RAM I recommend hooking it up to your TV via HDMI as a HTPC. Mac Standaone Desktops haven't been updated in 3+ years. I do prefer MacOS but their hardware in the Mac Mini/Pro is several generations old. I haven't heard much ab...
by Alexa9
Sat Jul 01, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Advice on Desktop PC
Replies: 87
Views: 4216

Re: Advice on Desktop PC

You don't need a desktop PC for what you want to do. Get a cheap laptop in the $400-$500 range and get a Bluetooth speaker ($100) and chromecast ($35). Some of us prefer a desktop. The ergonomics of a laptop are HORRIBLE. I can't imagine being comfortable watching movies/tv with my neck cranked ove...
by Alexa9
Sat Jul 01, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Advice on Desktop PC
Replies: 87
Views: 4216

Re: Advice on Desktop PC

Dell Tower
7th Gen i3
256GB SSD for programs + 1-3TB HD for files
8-16GB RAM
I recommend hooking it up to your TV via HDMI as a HTPC.

Mac Standaone Desktops haven't been updated in 3+ years. I do prefer MacOS but their hardware in the Mac Mini/Pro is several generations old.
by Alexa9
Wed Jun 21, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card for expat
Replies: 22
Views: 1467

Re: Credit card for expat

I would get the Sapphire Preferred/Reserve first due to Chase's 5/24 rule. Then I would get a Venture and an Arrival Plus. Those sign up bonuses should net you a round trip ticket home or two. Whatever airline you use might have a decent card as well.
by Alexa9
Wed Jun 21, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 75
Views: 3648

Re: How many tech devices do you have?

I have a smartphone but I hate it and leave it on silent mode especially when with family/friends.
I also have a desktop computer that I couldn't live without.
Had a tablet for a while but gave it up.
by Alexa9
Wed Jun 21, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 4839

Re: What do you say when you cancel an account that you only opened for bonus?

I tell them the sign up bonus is great but the perks of the account are not worth the annual fee. Sometimes they'll waive the annual fee. Generally I just send a message: Please close my account. Thank you.