Search found 274 matches

by Blueskies123
Sat Apr 21, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Best Way to Decline an International Job Assignment
Replies: 22
Views: 950

Re: Best Way to Decline an International Job Assignment

Any advice on how to tactfully decline an international job assignment? You haven't provided any information for us to help you. Why do you not want the transfer? The truth is usually the best approach. Apologies. It’s not really a transfer. It would require onsite work in a different country for m...
by Blueskies123
Fri Apr 13, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Does it make sense to buy new appliances when there's a good sale before you need them?
Replies: 28
Views: 1678

Re: Does it make sense to buy new appliances when there's a good sale before you need them?

I have replaced appliances where they are so much more economical that they pay for themselves. Two new 5 ton high efficiency conditioners - $150/ month electric savings is south Florida New washer dryer - electric and water savings using Eco mode and damp dry. about $50/month Refig. does not use mu...
by Blueskies123
Mon Apr 09, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 39948

Re: Name something you had to have and now you regret purchasing it?

I bought too big of an emergency generator. It burns 5 gallons of gas in less than 8 hours.

I could mention our GMC Yukon Denali and all the maintenance problems but I do not think you wanted to turn this into a car thread.
by Blueskies123
Mon Apr 09, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 8599

Re: Regrets of the frugal and dying?

Anyone living through the great depression, (no not the great recession) lived in terror of being old and poor. I doubt most people dying today have regrets about being frugal since many of them remember glimpses of the depression. Maybe in 20 years things will be different. Once exception might be ...
by Blueskies123
Mon Apr 09, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Are there any simple strategies that can help us squeeze better returns?
Replies: 45
Views: 2959

Re: Are there any simple strategies that can help us squeeze better returns?

Repeat after me:
I will never use margin
I will never use margin
I will never use margin
I will never use margin
I will never use margin
I will never use margin
by Blueskies123
Wed Mar 21, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: [Federal Reserve hikes interest rate]
Replies: 34
Views: 4060

Fed raises the fed rate, markets do not look efficient

[Thread merged into here, see below. --admin LadyGeek] I know why bond funds go down when the Fed raises rates (or other long term rates go up), but I find it odd that on the day the Fed raises rates by 25 basis points BND goes down .25%. If the markets are efficient then these rate increases shoul...
by Blueskies123
Mon Mar 12, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: does anyone invest in microcaps?
Replies: 14
Views: 2610

Re: does anyone invest in microcaps?

I will second the last part of what Nisiprius said. As a retired CPA I had to audit a number of micro-caps. I will never invest in micro-caps.
by Blueskies123
Tue Feb 27, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 7877

Re: Physical cash

If you live in a disaster prone area you should have several K. I have seen the power out of 6 weeks in a near by town and I have been without power for a week twice in 23 years. Stores only took cash.
by Blueskies123
Thu Feb 22, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2972
Views: 916300

Re: What Book Are You Currently Reading? Part VI

The Lessons of History by Will and Ariel Durant. At first I was disappointed by how short the book was but the writing is sublime. I had forgotten how captivating people used to be able to write, not so much these days. I was able to read it in about week spending an hour to two each day. I had to g...
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: 5195

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: 119
Views: 8122

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: 336

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: 4630

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: 1740

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: 4082

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: 4806

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: 8934

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: 587

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: 4806

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: 4806

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: 2422

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: 522

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: 1491

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: 12972

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: 12972

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: 5275

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: 9669

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: 67
Views: 7363

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: 54
Views: 3742

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: 48
Views: 4005

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: 48
Views: 4005

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: 3200

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: 1120

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: 95
Views: 7229

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: 1620

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: 3816

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: 1490

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: 1490

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: 5175

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: 5175

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: 845

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: 1085

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: 3248

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: 1947

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: 3065

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: 2463

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: 27566

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...