Search found 265 matches

by Blueskies123
Sat Feb 03, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: Why GNMAs Shouldn't Be Your Bond Choice
Replies: 70
Views: 4870

Re: Why GNMAs Shouldn't Be Your Bond Choice

I also noticed there is very little discussion about GNMAs. I have had them for probably 20 years in my bond portfolio. I have read the Wiki about posting pictures but I still find it cumbersome to snap a pic from Portfolio Visualizer. PV only had 10 years of data but the GNMA had the best Sortino R...
by Blueskies123
Thu Feb 01, 2018 7:32 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 91
Views: 5443

Re: Fewer acronyms please

Agreed, ticker symbols should always be followed by their proper name.
by Blueskies123
Thu Feb 01, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: SYK - Stryker
Replies: 4
Views: 319

Re: SYK - Stryker

Everyone in the world thinks the same thing. Unless you have some key inside information on new products every biotech analyst already knows this about the company. Having said that it is fun to speculate with 1-2% of you portfolio. Have you though about when to sell? How have your other speculative...
by Blueskies123
Wed Jan 31, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease -- High Residual Value -- what am I missing?
Replies: 49
Views: 4414

Re: Car Lease -- High Residual Value -- what am I missing?

I have been in the leasing business. From time to time manufacturers get their forecasted residuals wrong for various reasons. You need to get it the return fees in writing but they will still find a way charge you thousands.
What is the cost to rent on a few weekends a month.
by Blueskies123
Tue Jan 30, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Is this new car the smarter option?
Replies: 24
Views: 1634

Re: Is this new car the smarter option?

If people are going to keep a car for 10 years or 20 years (I have a 1999 Ford Expedition - still runs and looks great) buying new is the way to go. Especially if it is a Toyota or Honda.
by Blueskies123
Sun Jan 28, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 53
Views: 3926

Re: Certified Used BMW, Audi or Mercedes

JD Power says the Koreans are most reliable. MB is above average. Lexus and Toyota are average. Audi is appalling. http://d1arsn5g9mfrlq.cloudfront.net/sites/default/files/2017085a.jpg I am surprised Rover isn't at the very bottom. Lol. My neighbor has one. I think they are personal friends with th...
by Blueskies123
Sun Jan 28, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone not rebalance?
Replies: 66
Views: 4591

Re: Does anyone not rebalance?

You should download his PDF on Unveiling the Retirement Myth. He talks about how to rebalance 5 years before retirement and then how to retire within 5 years of retirement. [/b] [ emphasis added ]He provides some thoughtful insights but at least for the here and now I have chosen once a year. I exp...
by Blueskies123
Sun Jan 28, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 8709

Re: WHY do wireless routers need periodic reboots?

I used to reboot my router once every 3-4 months but since I got my new Xfinity router I have not had to reboot once. Do you get power surges? You might try a dedicated back up power supply and or buy a highly rated new router. https://www.amazon.com/APC-Back-UPS-Connect-Charging-BGE50ML/dp/B013JHYQ...
by Blueskies123
Sun Jan 28, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Diversification
Replies: 14
Views: 539

Re: Diversification

All in Fidelity for over 30 years. Never had a single problem. And I should know living overseas. Try dealing with HSBC in Switzerland? Same here - been with them for 30 years and I lived in the UK in the 90's. I find Fido customer service excellent and they have done some special favors when I ask...
by Blueskies123
Sun Jan 28, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone not rebalance?
Replies: 66
Views: 4591

Re: Does anyone not rebalance?

I rebalance once a year if warranted however I thought what Jim C. Otar said was interesting. He said: "The long term volatility was about the same whether you rebalanced annually or once every four years on the Presidential election year. • Rebalancing too often stunted the portfolio growth in secu...
by Blueskies123
Sun Jan 28, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone not rebalance?
Replies: 66
Views: 4591

Re: Does anyone not rebalance?

Rebalancing is how you buy low and sell high.
by Blueskies123
Sun Jan 28, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Keeping a new BMW shiny!
Replies: 27
Views: 2325

Re: Keeping a new BMW shiny!

The best advice is to keep it in the garage if you have one. Morning dew is acidic. If you do not have a garage hit the top with hose before leaving in the morning
by Blueskies123
Sat Jan 27, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Missing cost basis - stock option shares
Replies: 8
Views: 471

Re: Missing cost basis - stock option shares

You do not say how many shares. Unless you are talking a lot of money just estimate your basis by looking at the average share price over the period you would have gotten the grant. Make copies of all your assumptions.
by Blueskies123
Sat Jan 27, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: Who is buying 20 and 30 year bonds?
Replies: 15
Views: 1401

Who is buying 20 and 30 year bonds?

I noticed several people saying no one can forecast what will happen in the future. However, I do not recall a single post on this board or any other board where anyone is recommending the purchase of 20-30 year bonds. In fact, just the opposite. Everyone is saying to shorten duration. Long term int...
by Blueskies123
Fri Jan 26, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: When did the bad news start in 2008?
Replies: 135
Views: 12642

Re: When did the bad news start in 2008?

From Wikipedia this was the first clue the non-insiders would have found.

Fall 2005: Booming housing market halts abruptly; from the fourth quarter of 2005 to the first quarter of 2006, median prices nationwide drop 3.3 percent.[11
by Blueskies123
Fri Jan 26, 2018 5:23 pm
Forum: Investing - Theory, News & General
Topic: When did the bad news start in 2008?
Replies: 135
Views: 12642

Re: When did the bad news start in 2008?

I read somewhere that this was first crack in the banking system itself but of course no one realized it at the time. https://en.wikipedia.org/wiki/2008%E2%80%932011_Icelandic_financial_crisis I think where you are going with this question is how and when this blow off top to our market will crack. ...
by Blueskies123
Fri Jan 26, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Your favorite beach vacation destination?
Replies: 64
Views: 5140

Re: Your favorite beach vacation destination?

Toons wrote:
Fri Jan 26, 2018 5:33 am
Not necessarily in this order but,
Hatteras, NC
Siesta Key, Fl.
St Augustine Beach,Fl,
Destin, Fl.


:)
My top 3:
St Augustine Beach,Fl,
Destin, Fl.
Marco Island
by Blueskies123
Fri Jan 26, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Dalio says bonds have entered a bear market
Replies: 96
Views: 9399

Re: Dalio says bonds have entered a bear market

No one knows the future of markets and all predictions are best taken as a grain of salt. However, Ray Dalio's comments and point of view are interesting. www.bloomberg.com/news/articles/2018-01-24/billionaire-dalio-says-bond-market-has-moved-into-bear-phase yeah buying opportunity for bonds is com...
by Blueskies123
Fri Jan 26, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: Bond Portfolio for High Net Worth Individuals - Different Rules?
Replies: 56
Views: 5694

Re: Bond Portfolio for High Net Worth Individuals - Different Rules?

If you can stomach a 50% drop in portfolio I see nil need for bonds. I am 73 and 100% stocks. RE got to be too much bother so I sold off 30 rental units. I agree that the markets worldwide are very frothy but I do not want to miss a minute of this exuberant ride up. Last year I decided that I will ...
by Blueskies123
Fri Jan 26, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: Question to Taylor and others regarding bucket approach in retirement
Replies: 53
Views: 3243

Re: Question to Taylor and others regarding bucket approach in retirement

I know many people here think of a bucket with cash as a drag on your portfolio and surely it is HOWEVER I keep two years cash in a high yield on-line bank in addition to my bond position for one reason. To prevent me from panicking during a crash. I did not sell during the 2008 crash nor the 2000 c...
by Blueskies123
Thu Jan 25, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: High Yield Savings Account Recommendations?
Replies: 45
Views: 2794

Re: High Yield Savings Account Recommendations?

We froze our credit after the leak disasters last year, all including Chex. What are folks' thoughts about chasing rates, which might mean unfreezing and refreezing Chex? We are at 1.35 at Ally savings and Ally 11-mo no-penalty CD @ 1.75. Worth going for 1.4 and bonus at CapOne and other higher rat...
by Blueskies123
Thu Jan 25, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: High Yield Savings Account Recommendations?
Replies: 45
Views: 2794

Re: High Yield Savings Account Recommendations?

With Vanguard Prime money market yielding 1.45% I'm starting to think about moving my funds from my "high yield" savings to Vanguard (Fidelity MM still around 1%). That would certainly be easier to handle then constantly moving funds back and forth. The problem is I'm using Fidelity for my checking...
by Blueskies123
Thu Jan 25, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: When to claim Social Security: two reasons not to wait
Replies: 19
Views: 3105

Re: When to claim Social Security: two reasons not to wait

Trust fund depletion gets talked about from time to time but the threads get quickly locked. You might have to go elsewhere.
by Blueskies123
Wed Jan 24, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Solar window film
Replies: 18
Views: 1058

Re: Solar window film

If you apply film to double pane glass make sure you get the right film otherwise heat will build up between the panes and crack. I bought film designed for insulated glass to stop fading of wood floors and reduce heat
by Blueskies123
Mon Jan 22, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: Small Value Premium - How Do You View It?
Replies: 94
Views: 6501

Re: Small Value Premium - How Do You View It?

25% US Large Market 25% US Small Value 25% Intl Large Value 25% Intl Small Market Simplified Ultimate Buy and Hold. I look at SV as the best possible other US Equity Style Box to hit to diversify a US Large Market holding. The combination works very well when split equally... and the 4 way combo ab...
by Blueskies123
Mon Jan 22, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Considering solar on my home
Replies: 18
Views: 1571

Re: Considering solar on my home

I thought it was cloudy 80% of the time in Washington. How will you get power at night? Does this go on the roof? Will you be needing a new roof in the next 10 years? Could you move in the next 10 years? If you are only spending $90 a month on electricity it seems like this is almost a negligible ex...
by Blueskies123
Thu Jan 18, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: I got a Roomba and think you should too
Replies: 41
Views: 3711

Re: I got a Roomba and think you should too

nisiprius wrote:
Thu Jan 18, 2018 3:03 pm
...Unless you have a pet...

http://www.scarymommy.com/roomba-meets- ... se-newton/
This actually happed to my son. While at work the dog got diarrhea, the rest seared in his memory for life.
by Blueskies123
Thu Jan 18, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in last 12 months
Replies: 19
Views: 1452

Re: Rebalancing in last 12 months

Two days ago, for the second time
by Blueskies123
Thu Jan 18, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in last 12 months
Replies: 19
Views: 1452

Re: Rebalancing in last 12 months

Two days ago
by Blueskies123
Thu Jan 18, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 5052

Re: 4k UHD TVs worth it?

I can't imagine you would be able to tell the difference in resolution between 1080p and 4k on a 49" TV at any reasonable viewing distance. HDR is supposed to be a much more noticeable improvement, but there are several competing standards and I'm not sure how it's going to shake out. Like I said e...
by Blueskies123
Thu Jan 18, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 5052

Re: 4k UHD TVs worth it?

No. There is no free content. You have to buy special DVD's or pay extra to Netflix. My 91 year old dad bought one a year ago, I tried to talk him out of it but he would not listen, he kept saying it was 4 times better. So he bought it anyway and the other day when I was over there he told me he reg...
by Blueskies123
Wed Jan 17, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Car/Motorcycle Jump Starter?
Replies: 17
Views: 804

Re: Car/Motorcycle Jump Starter?

Those small compact lithium Ion ones are great. Get one over 8000 mAh and you'll be good. I've bought one for every car in the household. They claim to hold their charge for a year. I have started numerous vehicles with mine and I am still amazed how well it works. Harbor Freight sells for `$70 tha...
by Blueskies123
Sat Jan 13, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Emergency evacuation with pre-existing condition
Replies: 13
Views: 1039

Re: Emergency evacuation with pre-existing condition

I am asking if hemorrhoid would be considered an emergency. I cannot answer your other questions. However, based on experience, a hemorrhoid "situation" can become an emergency. Yes they can put you in the hospital, if they become infected and inflamed you will be lying on the ground writhing in pa...
by Blueskies123
Tue Jan 09, 2018 7:27 pm
Forum: Investing - Theory, News & General
Topic: Maximizing Portfolio Growth Rate - Kelly Criterion - Empirical Market Data
Replies: 44
Views: 3107

Re: Maximizing Portfolio Growth Rate - Kelly Criterion - Empirical Market Data

Yes, this is what blew up long term capital Management 20 years and cost US taxpayers 3.5 billion dollars.
by Blueskies123
Sun Jan 07, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Trading 2015 F-150 for 2018 GMC Sierra. Dumb move?
Replies: 31
Views: 1897

Re: Trading 2015 F-150 for 2018 GMC Sierra. Dumb move?

According to consumer reports and my personal experience GMC quality has fallen off a cliff.
by Blueskies123
Sun Jan 07, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: for those without an emergency fund, what's your plan for an emergency?
Replies: 25
Views: 3007

Re: for those without an emergency fund, what's your plan for an emergency?

I have a sizeable portfolio and am retired so I consider my emergency fund as something in place for something more catastrophic than what most people might consider an emergency fund for. Most people will use an emergency fund to buy a new car if their car gets totaled or maybe for a medical emerge...
by Blueskies123
Sun Jan 07, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: "Sharing" Internet/WiFi with neighbors?
Replies: 38
Views: 2407

Re: "Sharing" Internet/WiFi with neighbors?

This is such a bad idea.
by Blueskies123
Thu Jan 04, 2018 9:06 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 27180

Re: Hitting The Sell Button

I know I am going to be called out for not following the prescribed re-balancing protocol but I too am concerned about re-balancing into intermediate bonds such as IEF or the shorter dated BND . What I did on Tuesday in re-balance into a money market fund. Both Vanguard and Fidelity have MM funds th...
by Blueskies123
Mon Jan 01, 2018 6:59 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1752
Views: 312034

Re: What are you up YTD? [Year To Date]

One of the reasons I consolidated everything to Fidelity is that they do all the calculations for me. All I have to do is log on. I realize many people have multiple accounts
by Blueskies123
Wed Dec 27, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: The car dealership model needs to die
Replies: 85
Views: 4684

Re: The car dealership model needs to die

There are several good car buying threads on this site. If I recall correctly most people email at least a dozen dealers, even those hundreds of miles away. Out of a dozen emails you might find one or two willing to give you a price, and it will probably be the one 200 miles away but the price might...
by Blueskies123
Sat Dec 23, 2017 3:35 pm
Forum: Investing - Theory, News & General
Topic: "The Bond Experiment: Return to VBTLX (Vanguard Total Bond Market)"
Replies: 34
Views: 5418

Re: "The Bond Experiment: Return to VBTLX (Vanguard Total Bond Market)"

garlandwhizzer wrote:
Sat Dec 23, 2017 12:54 pm
I don't think this is a dogmatic issue, that you have to fund A rather than fund B. The bond market is very efficient at pricing risk, more efficient IMO than the stock market

Garland Whizzer
The whole subprime debacle proved this is not always the case as Big Short movie showed.
by Blueskies123
Fri Dec 08, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Mold removal from wood
Replies: 14
Views: 1389

Re: Mold removal from wood

This is the first time I'm hearing about Concrobium and have a few questions. Is this the product that would be used after a hurricane for mold remediation? Is this the product incorporated into anti-mold paints? Is the product as non-toxic as it seems? From the FAQ: Sodium Carbonate is the listed ...
by Blueskies123
Thu Dec 07, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 89
Views: 7373

Re: Bitcoin now the largest quantifiable bubble in history?

tadamsmar wrote:
Thu Dec 07, 2017 3:41 pm
My rational argument is that Bitcoin has value as a medium of exchange to circumvent the law, mainly. The price run-up is not justified on that basis.
Originally that was the case but then day traders and speculators (and a few very smart people), jumped on the train.
by Blueskies123
Thu Dec 07, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 89
Views: 7373

Re: Bitcoin now the largest quantifiable bubble in history?

rkhusky wrote:
Thu Dec 07, 2017 3:43 pm
Isn't it only a bubble if it pops?
No, that would be an UN-popped bubble. Like in 2000 and 2008, then one year later.
by Blueskies123
Mon Dec 04, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: How much do you need to drive a car to keep battery charged and everything else OK?
Replies: 36
Views: 2934

Re: How much do you need to drive a car to keep battery charged and everything else OK?

Optimally speaking cars should be driven daily. There are hundreds of seals in a car. In your case I would make sure it gets 30-40 minutes at highway speed a week to drive out moisture in all the fluids and charge the battery. A few minutes to the store at a slow stop and go is not enough.
by Blueskies123
Sun Dec 03, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: BH Volvo XC90 Review
Replies: 23
Views: 3034

Re: BH Volvo XC90 Review

I would look into an extended warranty
by Blueskies123
Sun Dec 03, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Buy Warranty for Bosch Appliances?
Replies: 15
Views: 1030

Re: Buy Warranty for Bosch Appliances?

I bought a Bosch just so I could avoid buying an extended warranty.