Search found 1084 matches

by AndroAsc
Wed Apr 11, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Weekly Commuting
Replies: 22
Views: 2138

Re: Weekly Commuting

I don't understand how you come out ahead in the numbers? You have to rent an apt in the Bay Area and keeping your house. That's two housing payments + weekly airfare. I'm really confused in what universe does this make sense?
by AndroAsc
Mon Apr 02, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with Medical Billing & Collections
Replies: 6
Views: 481

Re: Dealing with Medical Billing & Collections

PPO, there is no out of network. I should get some payment in any case. And this was all done through an in-network doctor.
by AndroAsc
Mon Apr 02, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with Medical Billing & Collections
Replies: 6
Views: 481

Dealing with Medical Billing & Collections

This was supposed to be a simple thing. I went for something that should be a fairly routine set of medical tests, clinic tells me the test fees should be covered by insurance, and I only pay co-pay and non-covered stuff. For the last 2 months, the testing companies keeps sending me bills (which I f...
by AndroAsc
Mon Apr 02, 2018 12:46 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 61
Views: 4851

Re: Tires: Where to Get? Warranty? And Questions?

I'm still evaluating Costco vs Discount Tires, here's the issues. Discount Tires installation and certificates are way too expensive. They are charge $90 for installation and ~$60 for the certificates (extra warranty/insurance). Costco only charge $56 for installation and certificates are free, so w...
by AndroAsc
Sat Mar 10, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 61
Views: 4851

Re: Tires: Where to Get? Warranty? And Questions?

denovo wrote:
Sat Mar 10, 2018 7:09 am
How long did the OEM tires last?
Bridgestone OEM last 2-3 years only (40k miles).
by AndroAsc
Sat Mar 10, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 61
Views: 4851

Tires: Where to Get? Warranty? And Questions?

I'll need to get a new set of tires soon. I've done some research but still have questions. Where to Get I know people recommend Costco, but they only carry limited brands, and I need to get them replaced ASAP, so I can't wait for the next Michelin sale. Bridgestone is on sale this month, but their ...
by AndroAsc
Sun Feb 18, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: How to figure out total amount withdrawn from Vanguard into checking?
Replies: 2
Views: 378

How to figure out total amount withdrawn from Vanguard into checking?

As above, I'm trying to figure out how much I have withdrawn from all my Vanguard taxable accounts into my checking account, but those transactions for some reason are not appearing in the transaction history? Or maybe I'm not filtering the options correctly. Does anyone know if there's an easy way ...
by AndroAsc
Sun Feb 04, 2018 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA real estate (QREARX) versus Vanguard REIT index (
Replies: 9
Views: 1645

Re: TIAA real estate (QREARX) versus Vanguard REIT index (

I too have both these funds, and while I know TIAA RE is a special type of fund, the gap between the 10-yr returns between TIAA RE and Vanguard REITs is quite alarming, especially since they should be the same asset type?!
by AndroAsc
Thu Dec 28, 2017 8:01 pm
Forum: Investing - Theory, News & General
Topic: How to setup a crypto-currency "index fund" (Bitcoin, etc.)
Replies: 77
Views: 6872

Re: How to setup a crypto-currency "index fund" (Bitcoin, etc.)

Im with ya wanderingdoc. Goal is to get my first property this year and house hack it, rinse, repeat. At the end of the day, people need a place to live. Could be a bear market, worse financial crisis ever, people still need a place to live and the USA is becoming more and more of a renter country....
by AndroAsc
Wed Dec 27, 2017 9:35 am
Forum: Investing - Theory, News & General
Topic: How to setup a crypto-currency "index fund" (Bitcoin, etc.)
Replies: 77
Views: 6872

Re: How to setup a crypto-currency "index fund" (Bitcoin, etc.)

Is there any data that tracks the correlation between the various crypto currencies?
by AndroAsc
Wed Dec 27, 2017 9:35 am
Forum: Investing - Theory, News & General
Topic: How to setup a crypto-currency "index fund" (Bitcoin, etc.)
Replies: 77
Views: 6872

Re: How to setup a crypto-currency "index fund" (Bitcoin, etc.)

Here is another recent topic: https://www.bogleheads.org/forum/viewtopic.php?t=221744 Personally, I've been involved in crypto *and* a bona-fide Boglehead in all other things since 2012, and basically stopped contributing to crypto threads since 2014 because attempting to to get actual facts out an...
by AndroAsc
Wed Dec 27, 2017 9:33 am
Forum: Investing - Theory, News & General
Topic: How to setup a crypto-currency "index fund" (Bitcoin, etc.)
Replies: 77
Views: 6872

Re: How to setup a crypto-currency "index fund" (Bitcoin, etc.)

Perhaps the board could have a crypto currency sub-forum. ;) Not sure if this was meant tongue-in-cheek, but if this helps people who don't want to think about crypto-currencies avoid popping into threads to mutter "ponzi" or "tulip" repeatedly, rather than contributing to the topic at hand, that w...
by AndroAsc
Tue Dec 26, 2017 11:12 pm
Forum: Investing - Theory, News & General
Topic: How to setup a crypto-currency "index fund" (Bitcoin, etc.)
Replies: 77
Views: 6872

Re: The right way to speculate in crypto-currency (Bitcoin, etc.)

1. “The right way to speculate in crypto-currency (bitcoin, etc.)” is buy it in 2011 and hold it for six years. Sell in 12/17 when it hits ~19k per bitcoin. 2. You said, “...let’s say I have some play money I can lose.” Why do you want to lose money? I admit I am quite alarmed by how much crypto-cu...
by AndroAsc
Tue Dec 26, 2017 10:59 pm
Forum: Investing - Theory, News & General
Topic: How to setup a crypto-currency "index fund" (Bitcoin, etc.)
Replies: 77
Views: 6872

Re: The right way to speculate in crypto-currency (Bitcoin, etc.)

But seriously, as there is no crypto-currency index fund, my original question is motivated by how would we replicate one? Based on worldcoinindex, the market cap seems to be as follows: 1) Bitcoin, 260 billion 2) Ethereum, 70 billion 3) BitcoinCash, 45 billion 4) Ripple, 45 billion 5) LiteCoin, Iot...
by AndroAsc
Tue Dec 26, 2017 10:24 pm
Forum: Investing - Theory, News & General
Topic: How to setup a crypto-currency "index fund" (Bitcoin, etc.)
Replies: 77
Views: 6872

Re: The right way to speculate in crypto-currency (Bitcoin, etc.)

There are lots of post of "play money" on this forum, so it's not really that different from some of the discussions we've had here.
by AndroAsc
Tue Dec 26, 2017 10:04 pm
Forum: Investing - Theory, News & General
Topic: How to setup a crypto-currency "index fund" (Bitcoin, etc.)
Replies: 77
Views: 6872

How to setup a crypto-currency "index fund" (Bitcoin, etc.)

So maybe I should have bought some Bitcoin a few years back when it was $1000 :P In all seriousness, let's say I have some play money that I can lose. What's the right way to speculate in crypto-currency? Do you hold a diversified basket of cryto-currency, bitcoin and some other competing currency? ...
by AndroAsc
Mon Dec 25, 2017 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: I'm going to over-contribute in 2017. How to fix?
Replies: 4
Views: 467

I'm going to over-contribute in 2017. How to fix?

For some reason, my employer is very slow to update the contribution % changes, and with salary changes this year, I am going to go over the $18,000 contribution limit by about $500+ I think.

How do I correct this? I submitted a lower contribution %, but they won't kick in until Jan :(
by AndroAsc
Tue Oct 03, 2017 9:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Voting...
Replies: 4
Views: 707

Re: Vanguard Voting...

Well I've been with Vanguard since 2010, and this is the first time they contacted me about voting so aggressively. With the exception of proposition 7, that seems to have generated lots of comments on the other locked thread, are you guys just voting with the recommended default settings for the re...
by AndroAsc
Tue Oct 03, 2017 9:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Voting...
Replies: 4
Views: 707

Vanguard Voting...

Ok, received a call out of the blue about some Vanguard voting, and also did receive some mail about it. So are any of you guys voting? I don't even know what this is about, in terms about the ramifications of us small-time personal investors. My bottomline concern is if the current Vanguard busines...
by AndroAsc
Tue Oct 03, 2017 5:16 pm
Forum: Investing - Theory, News & General
Topic: Deflation Hedge: I Can't Convince Myself to Do It
Replies: 8
Views: 1033

Re: Deflation Hedge: I Can't Convince Myself to Do It

I didn't really want to move into the direction of "should we care about deflation". I'll just give my 2 cents. I have a 35-yr time horizon till retirement age. I don't want to know or predict stuff about the markets, geopolitics or whatever. So inflation and deflation to this naive investor has equ...
by AndroAsc
Tue Oct 03, 2017 5:07 pm
Forum: Investing - Theory, News & General
Topic: Deflation Hedge: I Can't Convince Myself to Do It
Replies: 8
Views: 1033

Deflation Hedge: I Can't Convince Myself to Do It

I have a diversified (probably too much slide and dice) portfolio, but one thing I've not done is to have assets for deflation hedging. I am aware of the asset class, i-Bonds and LT-bond that perform well during deflation, but I find it difficult to convince myself to purchase them today (or even in...
by AndroAsc
Mon Oct 02, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 68
Views: 7641

So... What bond fund or bond-like instrument do you use?

It's been a while since low interest rates started. And all of our fears of hyperinflation seems to have went up in smoke (I certainly had some during 2008). What funds are you guys using these days, assuming we have no predictive power or whether the future with be deflationary or hyperinflationary...
by AndroAsc
Tue Sep 05, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Question on tax time for selling noncovered shares
Replies: 4
Views: 630

Question on tax time for selling noncovered shares

I'm a bit greener to this then most people are. Most of my investments were after IRS made it mandatory for all brokers to report cost basis. Right now, I would like to sell a few non-covered shares, which as a little capital gain according to Vanguard. The weird thing is that Vanguard does state th...
by AndroAsc
Mon Aug 21, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Do self-employment 401k have different limits from salaried 401k?
Replies: 1
Views: 295

Do self-employment 401k have different limits from salaried 401k?

I'm still a bit fussy on this matter. For salaried 401k, I can contribute $18,000. Through after-tax and employer contributions, I can do another $54,000 - $18,000 = $36,000. Let's assume I maxed out both employee and employer/after-tax contribution to $54,000. Can I save more in my self-employment ...
by AndroAsc
Sun Aug 13, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up a LLC for side gig: 401(k)/IRA & Tax Management Question
Replies: 10
Views: 1349

Re: Setting up a LLC for side gig: 401(k)/IRA & Tax Management Question

Why set up an LLC at all? Seems like you could do everything you want to do as a sole proprietor (schedule C). For example, you can set up a retirement account. To start, I would definitely set up a business bank account and start very clearly separating business from personal expenses. All busines...
by AndroAsc
Sun Aug 13, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Setting up a LLC for side gig: 401(k)/IRA & Tax Management Question
Replies: 10
Views: 1349

Setting up a LLC for side gig: 401(k)/IRA & Tax Management Question

This year I am thinking of "legitimizing" my hobby which honestly have now turned into a "part-time job". I have no intention of abandoning my W-2 job, but I would like to get the tax benefits of a "legitimate" tax paying side gig. Let's say for simplicity my W-2 income is $100k and my business annu...
by AndroAsc
Tue Apr 11, 2017 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand 0% APR Credit Card Offers - Is it a good loan option?
Replies: 21
Views: 2375

Help me understand 0% APR Credit Card Offers - Is it a good loan option?

I keep getting 0% APR offers on balance transfer on my existing cards. I've never taken them up as I think there are still fees associated with the balance transfer, and I don't carry a balance anyway. But recently, I've gotten more into the reselling game, and I'm trying to generate float for my op...
by AndroAsc
Sun Apr 09, 2017 1:03 am
Forum: Personal Finance (Not Investing)
Topic: How do I know if I am filing my taxes correctly?
Replies: 39
Views: 4265

How do I know if I am filing my taxes correctly?

As above, is there any "sure" way to know if I am filing my taxes correctly, short of being so "fortunate" to be audited by the IRS. I use the standard tax software to file my taxes (HR Block). Last year I missed a 1099-INT of $50ish and had to file an amendment. This year, I almost missed out on th...
by AndroAsc
Sat Feb 25, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Where to buy non-US OTC medication and have it shipped to the US?
Replies: 3
Views: 590

Where to buy non-US OTC medication and have it shipped to the US?

I'm hoping that at least someone on this board have looked at it before. I need to purchase some non-US OTC medication, in particular bromhexine cough medication. I only know of eBay and it ships from Australia but it costs a whopping $25+ in USD. Is there any reliable way of ordering medication fro...
by AndroAsc
Sat Feb 25, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 86
Views: 9175

Re: Vanguard Lousy Customer Service

Last month, they processed my in-service withdrawal from my 401(k) late, and then they withdrew the amount from both my Stable Value Fund and Bond Fund, when I instructed them to only withdraw from the Stable Value Fund. In even had new contributions get directed to Bond Fund, because they were run...
by AndroAsc
Fri Feb 24, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 31084

Re: Wow, Vanguard Flagship service is bad. Really bad.

Not really related to your problem, but at least the bad service you had did not have any negative consequences apart from minor inconveniences. I have a Vanguard 401k from work, and I must say it is down right terrible. Their first mistake cause me to waste an in-service withdrawal request (I have ...
by AndroAsc
Fri Feb 24, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 86
Views: 9175

Vanguard Lousy Customer Service

[OT comment removed by moderator prudent] Last month, they processed my in-service withdrawal from my 401(k) late, and then they withdrew the amount from both my Stable Value Fund and Bond Fund, when I instructed them to only withdraw from the Stable Value Fund. In even had new contributions get di...
by AndroAsc
Wed Feb 08, 2017 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k: Move Post-Tax Money only (not Roth or Pre-Tax)?
Replies: 0
Views: 244

Vanguard 401k: Move Post-Tax Money only (not Roth or Pre-Tax)?

So my Vanguard 401k has the option to have before-tax and post-tax money. For lengthy reasons, I'm super pissed at Vanguard who dropped the ball. Normally, I do a Mega Backdoor Roth and clear out my post-tax account, and then do my purchases, but they screwed up the timing. Not only that, I told the...
by AndroAsc
Tue Jan 24, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Why are Stable Value Funds not outperforming Total Bond over the long run?
Replies: 17
Views: 3138

Re: Why are Stable Value Funds not outperforming Total Bond over the long run?

I think I must have mixed up between something else, because I thought Stable Value funds were slightly tilted to hold equities to boost returns, and they could do so because of their withdrawal restrictions, allowing them to "stay the course" during bad times, and of course because not everyone is ...
by AndroAsc
Tue Jan 24, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Reflection on what to use for "Alternative" asset class and what to do next?
Replies: 17
Views: 1437

Re: Reflection on what to use for "Alternative" asset class and what to do next?

To clarify, by alternative I mean not bonds or stocks. REITs, International, Factor-loading/tilting, are all not alternative asset class. To answer "why alternatives": 1) Primary function is I use them as a hedge against "worst case"/doomsday scenarios like hyperinflation. This is for when a hell br...
by AndroAsc
Tue Jan 24, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Value Averaging, IRR Bias/Misconception: Have we been misled?
Replies: 0
Views: 349

Value Averaging, IRR Bias/Misconception: Have we been misled?

I've been doing Value Averaging since I started doing investments over a decade ago. I like VA for two reasons vs conventional DCA + rebalancing: 1) I can save towards a final "retirement number" which I can control. 2) I like the idea of methodically "buying low and selling high", because it should...
by AndroAsc
Tue Jan 24, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: Reflection on what to use for "Alternative" asset class and what to do next?
Replies: 17
Views: 1437

Reflection on what to use for "Alternative" asset class and what to do next?

When I first constructed my portfolio in 2010, there was limited "alternative" asset class. Eventually, I settled for 5% portfolio to commodity funds. Now I am aware that most funds don't perform well because of backwardation, something about how their financial instruments cannot track commodity pr...
by AndroAsc
Mon Jan 23, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 4459

Re: Why is Slicing/Dicing not Working?

I don't see the value tilt. Is it Vanguard Dividend Inv Shares? I don't know it well but it doesn't seem like a good way to get at value. Also commodities are only there as insurance and rarely give you great returns. But the simple answer is, the S&P 500 has been doing great and everything else is...
by AndroAsc
Mon Jan 23, 2017 7:01 pm
Forum: Investing - Theory, News & General
Topic: Why are Stable Value Funds not outperforming Total Bond over the long run?
Replies: 17
Views: 3138

Why are Stable Value Funds not outperforming Total Bond over the long run?

This has been puzzling me for a while. Whenever I check the rates of stable value fund vs total bond SEC yield, stable value funds are higher. In the last few years, their returns have also been better. But the longer >10 year record shows that total bond still wins out. Why? My understanding is tha...
by AndroAsc
Mon Jan 23, 2017 6:57 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 4459

Re: Why is Slicing/Dicing not Working?

lack_ey wrote:
AndroAsc wrote:Updated original post with specific fund allocations and more precise settings.
Look at the URL you just posted. Then go back to the filled-out page and copy the URL from the word "Link" to the right of the portfolio analysis results.
Got it, thanks.
by AndroAsc
Mon Jan 23, 2017 6:46 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 4459

Re: Why is Slicing/Dicing not Working?

Updated original post with specific fund allocations and more precise settings.
by AndroAsc
Mon Jan 23, 2017 6:38 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 4459

Re: Why is Slicing/Dicing not Working?

Well, I can tweak portfolio 1 by removing International Small-Cap that allows me to backtest to 2006.

Over 10 year period the IRR is 5.76%, 6.02%, 9.46% for portfolio 1, 2 and 3 respectively.

From that result international has been underperforming for a decade!
by AndroAsc
Mon Jan 23, 2017 6:32 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 4459

Why is Slicing/Dicing not Working?

Started in 2010, and I've stuck to my "sophisticated" portfolio over the years. I recently did a benchmark of my portfolio vs simpler ones, and I'm very disappointed to say it has performed really badly. These are all hypothetical numbers from https://www.portfoliovisualizer.com/backtest-portfolio?s...
by AndroAsc
Thu Nov 17, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 5494

Re: Help me figure out the running cost of having winter tires

Do all season tires need to be stored in a climate controlled room? I'm thinking of putting my tires in the storage cabinet, but that is outside my apartment by the patio... Alternatively I'll just put it at a corner in my living room and use this to wrap it up: https://www.amazon.com/gp/product/B00...
by AndroAsc
Thu Nov 17, 2016 7:41 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 5494

Re: Help me figure out the running cost of having winter tires

If you put a set of tires in your dinning room your apartment will smell terrible. Tires smell like old rubber. And the black rubber will rub off on anything that touches it. So lots of things will get stained. I suggest you need to forget about buying snow tires until you can figure out another st...
by AndroAsc
Thu Nov 17, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 5494

Re: Help me figure out the running cost of having winter tires

Alright, I'll get tires soon, cause it's falling below freezing where I live, and I'll do the math and decide to wheel or not latter. Thanks!
by AndroAsc
Thu Nov 17, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 5494

Re: Help me figure out the running cost of having winter tires

HueyLD wrote:Can you get by with all season tires for all four seasons?
Too dangerous unless I don't leave town from Nov to Feb. I was trapped last year, and didn't like that.
by AndroAsc
Thu Nov 17, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 5494

Re: Help me figure out the running cost of having winter tires

Ok, did some further calcs seems that the breakeven point is about 3 years if buying wheels. Would I need to buy the wheels and winter tires together, or can I just buy the winter tires first, and decide on the wheels next year? There is also the possibility I may not stay in a snow area for the nex...
by AndroAsc
Thu Nov 17, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 5494

Re: Help me figure out the running cost of having winter tires

Radjob4me wrote:
AndroAsc wrote:Well I don't have the extra space to get a new set of wheels, live in an apartment.
Wait, so where would you keep your all-season-summer tires that you swap out?
Probably just leave it somewhere in the living room.

The weight is also an issue, I can't carry up a steel wheel up the stairs.
by AndroAsc
Thu Nov 17, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 5494

Re: Help me figure out the running cost of having winter tires

Well I don't have the extra space to get a new set of wheels, live in an apartment.