Search found 150 matches

by CULater
Tue Mar 21, 2017 12:18 am
Forum: Personal Consumer Issues
Topic: Quietest tire for 2017 Honda CRV?
Replies: 20
Views: 1720

Re: Quietest tire for 2017 Honda CRV?

What are the chances of taking a new car into Discount Tire and getting a good deal on swapping out the OEM tires for a set of Michelins? Do they do such a thing?
by CULater
Sun Mar 19, 2017 6:14 pm
Forum: Investing - Theory, News & General
Topic: an in depth look at gold
Replies: 68
Views: 3782

Re: an in depth look at gold

I put 5% in a gold ETF because I have as much overvalued stock as I'm comfortable with, way much more in nil return bonds than I'm comfortable with, didn't want to invest more in either, and thought that gold might be a little more interesting than cash. When compared to krap, gold doesn't look so b...
by CULater
Sat Mar 18, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Quietest tire for 2017 Honda CRV?
Replies: 20
Views: 1720

Quietest tire for 2017 Honda CRV?

Quiet and smooth ride are top priorities for me. Haven't test-driven yet, but supposedly the new 2017 Honda CRV is much quieter than previous models. Even so, if/when I buy one I'd like to include in the deal an upgrade to the quietest replacement tire I can get at the Honda dealer. The originals ar...
by CULater
Tue Mar 14, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Contract purchase of condo from elderly mother to fund assisted living
Replies: 7
Views: 568

Contract purchase of condo from elderly mother to fund assisted living

Mother is in assisted living and needs the funds from a small condo she owns to pay her expenses. One option I'm considering is to purchase it from her myself. We could simply sell it but I'm considering another option. Can I buy the condo via a contract purchase arrangement, whereby I would pay in ...
by CULater
Mon Mar 13, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: 2017 Honda CRV: anyone shopping or buying?
Replies: 26
Views: 2605

Re: 2017 Honda CRV: anyone shopping or buying?

I'm concerned about this comment from one reviewer. Can anybody comment? controls for audio, navigation and other systems are cumbersome. The touch screen is too slow and many of the touch points are too small for easy use in a moving vehicle. The result is too much time with the driver looking at t...
by CULater
Sat Mar 11, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Tell Me: can I use cellular wireless to stream TV with my Roku?
Replies: 4
Views: 429

Tell Me: can I use cellular wireless to stream TV with my Roku?

I stay for short (3-4 month) periods at an Arizona condo. When I stay there, I currently have to go through the process of signing up with an internet service provider and then I have to cancel and repeat the process every time I come for a stay. I need internet for a VOIP google voice phone in the ...
by CULater
Sat Mar 11, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: 2017 Honda CRV: anyone shopping or buying?
Replies: 26
Views: 2605

Re: 2017 Honda CRV: anyone shopping or buying?

I've had a 2015 CRV Touring for a couple of years so I can't make an apples to apples comparison but can offer a few observations. I absolutely love that the GPS screen turns into a rear facing camera when the right turn signal is activated. No blind spot now. I'm not sure if this is a Touring Only...
by CULater
Sat Mar 11, 2017 12:32 am
Forum: Personal Consumer Issues
Topic: 2017 Honda Civic not recommended by Consumer reports
Replies: 44
Views: 5196

Re: 2017 Honda Civic not recommended by Consumer reports

cjcerny wrote:CR also hates Honda's infotainment system with a passion. If you've tried it, you know why.

May I ask why? I'm concerned that the redesigned 2017 CRV might have the same infotainment system, which I'm shopping.
by CULater
Fri Mar 10, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: 2017 Honda CRV: anyone shopping or buying?
Replies: 26
Views: 2605

2017 Honda CRV: anyone shopping or buying?

I'm considering the new and improved 2017 Honda CRV, but haven't shopped or test-driven yet. Have done a lot of googling and in general the reviews seem quite favorable. However, there are a few negatives that I've run across: (1) the 1.5 L turbo engine is relatively new with unproven reliability an...
by CULater
Fri Mar 10, 2017 12:00 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 16832

Re: Sitting on cash....Waiting for a crash

I keep thinking about the 1990s during the great runup in stock prices. I ask myself how anybody could have continued to hold high equity allocations. I'm sure the same pro and con discussions were going on and many were deciding there was no way to foretell what was going to happen, stay in, stick ...
by CULater
Tue Mar 07, 2017 3:46 pm
Forum: Investing - Theory, News & General
Topic: Oh no! The Ohama Titanic Syndrome signal.
Replies: 24
Views: 4336

Oh no! The Ohama Titanic Syndrome signal.

Now, a new addition to the dreaded market crash indicators such as the infamous Hindenburg Omen! I'm hunkering down. Prominent chart specialist Tom McClellan on Tuesday said that when lows surpass highs, within seven trading days of a 1-year high for the S&P 500, it flashes an Ohama Titanic Synd...
by CULater
Thu Feb 16, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Sling TV: internet speed needed
Replies: 3
Views: 476

Sling TV: internet speed needed

Thinking about trying SlingTV with a Roku on my HD television. Wondering what minimum internet speed will be needed in order to use SlingTV on just one TV with a Roku wirelessly connected to my router. What internet speed would be needed if I want to work on my laptop at the same time I'm Slinging o...
by CULater
Wed Feb 15, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: New cars with turbo-4 engines -- good idea to buy?
Replies: 36
Views: 1937

Re: New cars with turbo-4 engines -- good idea to buy?

Was checking on the internet and found info that turbo engines tend to run hotter, as the turbo is pumping hot exhaust gasses back into the intake. So, the oil has to be changed more often, more expensive synthetic is often recommended, and the seals, bearings, etc. can suffer damage from the higher...
by CULater
Tue Feb 14, 2017 1:02 pm
Forum: Investing - Theory, News & General
Topic: Are stock valuations so high because interest rates are so low?
Replies: 28
Views: 2293

Are stock valuations so high because interest rates are so low?

So now CAPE is about 29, a level exceeded only in 1929 before the crash and in the period of 1998-2001 in the dot.com meltup and meltdown period. Why aren't we running toward the exits? I figure it must be that in the previous two periods, interest rates must have been much higher and bonds/fixed in...
by CULater
Mon Feb 13, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: New cars with turbo-4 engines -- good idea to buy?
Replies: 36
Views: 1937

Re: New cars with turbo-4 engines -- good idea to buy?

I'm almost exclusively looking at cars with small turbo-4 engines (including the CR-V and Civic). I trust that the powertrain of any of these cars will outlast most of the other parts of the car, assuming reasonable maintenance / upkeep. New CRV has some good reviews but I have two concerns: (1) tu...
by CULater
Mon Feb 13, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: New cars with turbo-4 engines -- good idea to buy?
Replies: 36
Views: 1937

New cars with turbo-4 engines -- good idea to buy?

Looking at new cars and more are being equipped with small 4-cyl turbocharged engines; all in the effort by automakers to improve fuel mileage without sacrificing engine performance. For example, the new 2017 Honda CRV has a new 1.5L turbo-4 engine in all but the base model. I was talking with two d...
by CULater
Sat Feb 11, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Why not use an agent to buy a new car?
Replies: 4
Views: 493

Re: Why not use an agent to buy a new car?

Do you consider services like Costco auto program in your definition? These services really make the buying process easy - prenegotiated prices that are decent. The only downside is you could probably get a better price with a little more work. The last time I bought a new vehicle I did both the em...
by CULater
Sat Feb 11, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Why not use an agent to buy a new car?
Replies: 4
Views: 493

Why not use an agent to buy a new car?

Seems to me a viable strategy for no-hassle purchase of a new car is to work through a car-buying agent. Presumably, this would be a pro who knows how to find and get the best price on the vehicle you're shopping for. At the same time, you could do your email auction thing with several dealers and a...
by CULater
Mon Feb 06, 2017 5:52 pm
Forum: Investing - Theory, News & General
Topic: Fresh Look at the "Larry Portfolio" from Portfolio Charts
Replies: 115
Views: 10304

Re: Fresh Look at the "Larry Portfolio" from Portfolio Charts

larryswedroe wrote:BTW- I've shown that the strategy would have worked very well even using one year Treasuries showing it's not dependent on bull market in bonds. Would have worked even better obviously with say 5 year maturities
Larry

Isn't this just one version of Taleb's "Black Swan" portfolio strategy?
by CULater
Mon Feb 06, 2017 5:45 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 9834

Re: A note of caution from Robert Shiller

Best I can figure is that Shiller is referring to the total price return over the last 17 years (inflation adjusted), which is actually about 23.7% from Jan, 2000 to Jan 2017, which is an annualized real return of 1.26% . Total real return with dividends reinvested is about 85.9%. However, the reinv...
by CULater
Mon Feb 06, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 9834

Re: A note of caution from Robert Shiller

rockonhumblepie wrote: I don't spook easy... but I'm very uneasy these days. :shock:

Me too, so I bought some gold. Helps me to hang on a little while longer. But if CAPE hits 30, I'm outta here! (currently 28.34)
by CULater
Mon Feb 06, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 46
Views: 3705

Re: Robocalls! -- current best call blocker?

As far as I know, all the call blockers send the blocked numbers to voicemail, so you still have to deal with them there. Mr Number used to hang up on blocked calls but with the advent of more recent Android OS versions, that doesn't work anymore. The other shortcoming is that they all just block n...
by CULater
Mon Feb 06, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Did I inadvertently avoid my RMD with a Roth recharacterization?
Replies: 8
Views: 669

Re: Did I inadvertently avoid my RMD with a Roth recharacterization?

Your 2016 year end balance for calculating your 2017 RMD is increased by the amount that actually transferred back to your TIRA in January. That amount may well be more or less than the amount you converted in November. If 2016 was an RMD distribution year for you (you reached 70.5 by the end of 20...
by CULater
Sun Feb 05, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 46
Views: 3705

Re: Robocalls! -- current best call blocker?

As far as I know, all the call blockers send the blocked numbers to voicemail, so you still have to deal with them there. Mr Number used to hang up on blocked calls but with the advent of more recent Android OS versions, that doesn't work anymore. The other shortcoming is that they all just block nu...
by CULater
Sun Feb 05, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Did I inadvertently avoid my RMD with a Roth recharacterization?
Replies: 8
Views: 669

Re: Did I inadvertently avoid my RMD with a Roth recharacterization?

No. The year end balance needs to be adjusted for the recharacterization. Vanguard may or may not keep track of this, but you have to. IRA account balance. The IRA account balance is the amount in the IRA at the end of the year preceding the year for which the required minimum distribution is being...
by CULater
Sun Feb 05, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Spring Training in Phoenix
Replies: 7
Views: 797

Re: Spring Training in Phoenix

I'd plan on getting to the baseball stadium well ahead of game time unless you like sitting in long lines of cars waiting to park. That and breakfast should take care of half your morning right there.
by CULater
Sun Feb 05, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: Fresh Look at the "Larry Portfolio" from Portfolio Charts
Replies: 115
Views: 10304

Re: Fresh Look at the "Larry Portfolio" from Portfolio Charts

Having played with this a great deal, the unfortunate aspect of including Gold is that once you eliminate the years 1972-1975 from long term gold returns, you will find it did nothing for you. If you compare an allocation of 30% SCV, 70% ITT to any allocation that replaces some of your ITT with gold...
by CULater
Sun Feb 05, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Did I inadvertently avoid my RMD with a Roth recharacterization?
Replies: 8
Views: 669

Did I inadvertently avoid my RMD with a Roth recharacterization?

In November, 2016 I converted my TIRA to a Roth and then in January, 2017 I recharacterized the Roth back to my still existing zero balance TIRA account at Vanguard. As a result, the TIRA balance reported on my year-end statement was $0. Since my 2017 IRA RMD is based on the account balance as of 12...
by CULater
Sat Feb 04, 2017 12:04 pm
Forum: Investing - Theory, News & General
Topic: Rekenthaler: "The Limits of Investment Math"
Replies: 3
Views: 686

Rekenthaler: "The Limits of Investment Math"

Interesting piece from John Rekenthaler regarding the benefits of mathematical sophistication in the field of investment. Pertains to factor investing. Finally, there is the growing field of data mining--or, as those practitioners would have it, evidence-based research. As each year passes, investme...
by CULater
Fri Feb 03, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Lexus PreCollision Safety System (auto braking)
Replies: 35
Views: 2540

Re: Lexus PreCollision Safety System (auto braking)

I've been thinking about this too. One of the things that concerns me is whether the auto brake might go off unexpectedly as has been reported. For example, it has happened when approaching a vehicle that is stopped in the left turn lane waiting to turn. Also has been triggered when going through an...
by CULater
Thu Feb 02, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 8272

Re: How do you guys ignore this stuff?

I can’t imagine trying to invest in this type of environment without a well-designed process in place to guide my actions. It’s an environment that’s ripe for mistakes driven by fear, greed, and overreactions. Those investors who are able to ignore these emotional responses and stick to their proce...
by CULater
Thu Feb 02, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Should you stop using your antivirus software?
Replies: 36
Views: 2613

Re: Should you stop using your antivirus software?

What is Windows? Is that something you can look through to see your Mac?
by CULater
Thu Feb 02, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 8272

Re: How do you guys ignore this stuff?

I figure the worse things sound, the better it is to invest. It's when things look rosy that you need to step away. Hold Nose --> Buy
by CULater
Thu Feb 02, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Grand Canyon in May. Booked already!
Replies: 29
Views: 2831

Re: Grand Canyon in May. Booked already!

The fact that everything is booked should tell you something. In late May, you'll be standing elbow to elbow with a hoard of other people on the South Rim. And you have to ride a bus to any of the overlooks -- no cars allowed anymore. Not that much fun, IMO. It might be worth going to the North Rim,...
by CULater
Thu Feb 02, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Should you stop using your antivirus software?
Replies: 36
Views: 2613

Should you stop using your antivirus software?

Former Firefox developer Robert O'Callahan, now a free agent and safe from the PR tentacles of his corporate overlord, says that antivirus software is terrible, AV vendors are terrible, and that you should uninstall your antivirus software immediately. https://arstechnica.com/information-technology...
by CULater
Tue Jan 31, 2017 11:04 am
Forum: Investing - Theory, News & General
Topic: Kitces' "bond tent" to protect against sequence risk
Replies: 16
Views: 2953

Re: Kitces' "bond tent" to protect against sequence risk

Of course, a better way to do it is to follow a "safety first" policy. According to this, your goal would be to accumulate a relatively safe income "floor" constituted of TIPS, annuities, etc.(including your pension and SS payments) and if your portfolio has a surplus beyond that...
by CULater
Sun Jan 29, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: Is rebalancing bunk?
Replies: 51
Views: 3318

Re: Is rebalancing bunk?

From the man himself: We also did an earlier study of all 25-year periods beginning in 1826 (!), using a 50/50 US stock/bond portfolio, and found that annual rebalancing won in 52% of the 179 periods. Also, it seems to me, noise. Interestingly, failing to rebalance never cost more than about 50 basi...
by CULater
Sun Jan 29, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Nissan? (Cars.)
Replies: 52
Views: 3376

Re: Nissan? (Cars.)

I was interested in the Murano until the designers turned it into an origami project. And I used to like Toyotas until someone started slapping those b-ugly grilles on them.
by CULater
Sun Jan 29, 2017 5:09 pm
Forum: Investing - Theory, News & General
Topic: Is rebalancing bunk?
Replies: 51
Views: 3318

Re: Is rebalancing bunk?

It is important to know why you are rebalancing in the first place. I rebalance for risk control. Since stocks tend to outperform bonds, a portfolio that is not rebalanced will tend to become more stock heavy over time. This would result in a portfolio becoming more volatile or time and in the view...
by CULater
Sun Jan 29, 2017 4:44 pm
Forum: Investing - Theory, News & General
Topic: Is rebalancing bunk?
Replies: 51
Views: 3318

Re: Is rebalancing bunk?

So although there was a very small rebalancing bonus of 25 basis points, the rebalanced portfolio actually was riskier from a standard deviation and max drawdown perspective. I guess this is because of adding to stocks as they were declining, I would say so. Stocks don't have consistent risk. There...
by CULater
Sun Jan 29, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Best Places to Live in US?
Replies: 123
Views: 11506

Re: Best Places to Live in US?

If you like a small, beautiful college town that is not too far from the mountains and not too far from a big city (Atlanta), not too far from a moderate-sized city (Greenville/Spartanburg), with a low cost of living then I recommend Clemson, SC. Nice place and they have a good football team too.
by CULater
Sun Jan 29, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: Is rebalancing bunk?
Replies: 51
Views: 3318

Re: Is rebalancing bunk?

Rebalancing can make you subject to "sequence of returns" risk, particularly in the later stages of portfolio accumulation when it has grown to a large size relative to new contributions. Mathematically, a lump sum invested at Time 1 will grow to the same ending value at Time 2 regardless ...
by CULater
Sun Jan 29, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Car Guy question
Replies: 61
Views: 5950

Re: Car Guy question

If you really want to save money on cars, only buy one that is 10 years old, fix it until it dies, and repeat. Then retire early with the money you saved on depreciation and insurance.
by CULater
Sun Jan 29, 2017 11:41 am
Forum: Investing - Theory, News & General
Topic: Is rebalancing bunk?
Replies: 51
Views: 3318

Re: Is rebalancing bunk?

Just use a target fund and forgeddabouddit.
by CULater
Sun Jan 29, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Best Places to Live in US?
Replies: 123
Views: 11506

Re: Best Places to Live in US?

Inwas reading today and Flagstaff, AZ struck my fancy. Think snow. And in the summer, hard to sit outdoors in the evening on the patio cause it's too chilly. But the summer days are great. It's a mountain climate. Skiing on the San Francisco Peaks. Relatively small town, but there is a university t...
by CULater
Sun Jan 29, 2017 11:05 am
Forum: Investing - Theory, News & General
Topic: Is rebalancing bunk?
Replies: 51
Views: 3318

Re: Is rebalancing bunk?

The major purpose of rebalancing is to maintain a static asset allocation, which has the effect of trimming back the allocation to the highest returning asset (typically stocks) in favor of the lowest returning assets. This only makes sense if the highest returning asset is the most volatile asset, ...
by CULater
Sat Jan 28, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Costco hearing aids
Replies: 5
Views: 936

Costco hearing aids

I decided to give Costco a try for first-time hearing aids. They recommended and I paid for a ReSound model that they said was basically the same thing as the ReSound linX2, which a local hearing aid shop sells for $5100. Costco wanted $2600. Ordered and will be fitted in a few days. Has anyone gott...
by CULater
Sat Jan 28, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 48
Views: 3348

Re: TIAA financial advisor?

Happy with my TIAA Traditional and Real Estate in retirement. But I figure that if a financial advisor is working for an investment company (any investment company) there must be incentives to get you more committed to that company and to get you to bring more money into that company. I'd only be in...
by CULater
Sat Jan 28, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: International small cap value ETF
Replies: 50
Views: 16565

Re: International small cap value ETF

EWX: SPDR S&P Emerging Markets Small Cap ETF Solidly in the International Small Cap Value category. Currently, perhaps; but is that because of fund construction or because EM SC is really beaten up? I mean, here's the fund's index page . There are no value screens, it's just a SC EM fund. That ...
by CULater
Sat Jan 28, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: where to retire?
Replies: 63
Views: 6114

Re: where to retire?

Agree on the summer heat in the Phoenix area. When I lived there when younger, I could handle the heat, but as an older retiree it is too oppressive for me from June - Sept and even on the bookend months of May and October. Just don't feel like getting out to golf or hike much during that time of th...

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