Search found 675 matches

by Chan_va
Fri Nov 04, 2016 5:35 pm
Forum: Personal Consumer Issues
Topic: New Dentist - Lots of Recommended Work
Replies: 55
Views: 4862

Re: New Dentist - Lots of Recommended Work

When I first moved to this country many years ago, I used to go to this dentist who recommended about 3 fillings every time I saw him. He even had a tool that could "detect cavities before they form". Took me a while to wise up to this. Another time I had a primary care physician who detec...
by Chan_va
Thu Oct 20, 2016 12:53 pm
Forum: Investing - Theory, News & General
Topic: The long run is a collection of short runs
Replies: 5
Views: 550

Re: The long run is a collection of short runs

This a profound. At the core of the boglehead philosophy, (and most other investing philosophies) is that there is a timeframe called "long-term", and a separate different "short term". This has 2 issues 1. How do you define short and long term? This one is semantics, and it not ...
by Chan_va
Fri Sep 23, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Tenant responsible for appliances?
Replies: 20
Views: 1319

Re: Tenant responsible for appliances?

Thanks all. Confirms what I thought. Have been homeowners for a long time and have forgotten what is common and what is not in a rental. Talked to the leasing agent and he is going to change the wording to something that indicates that it is is tenants responsibility only if the damage is caused by ...
by Chan_va
Fri Sep 23, 2016 9:24 am
Forum: Personal Consumer Issues
Topic: Tenant responsible for appliances?
Replies: 20
Views: 1319

Re: Tenant responsible for appliances?

Uhm, did you notice that they said except for built-ins like washer/dryer/stove etc? Presumably this means like the toaster or the microwave they put on the island for you... And yeah, its legal. I can rent you an apartment with no appliances and you then get to put them all in your self. If you do...
by Chan_va
Fri Sep 23, 2016 9:11 am
Forum: Personal Consumer Issues
Topic: Tenant responsible for appliances?
Replies: 20
Views: 1319

Tenant responsible for appliances?

Folks, I am about to sign a lease for a property in Seattle, WA. I see this in the lease agreement "Resident recognizes that all appliances other than built-ins, such as refrigerator, stove, washer and dryer, are for their convenience only. Resident therefore agrees to maintain those appliances...
by Chan_va
Wed Sep 14, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 10692

Re: Favorite Coffee

Freshly roasted (about 2 day old) Sumatran brewed in an aeropresss. Love the chocolatey flavor. Best cup of coffee was a $7 Kenyan I had at a very hip coffee bar in Lancaster pa. I highly doubted that any coffee could be worth 7 dollars a cup but the fragrance of blueberries and the beautifully bala...
by Chan_va
Tue Sep 13, 2016 2:08 pm
Forum: Investing - Theory, News & General
Topic: Should you invest in artificial intelligence?
Replies: 21
Views: 1571

Re: Should you invest in artificial intelligence?

Of course you should invest in AI. When our Roomba overlords decide who will work in the titanium mines and who will mop the floors, I am hoping that my proven allegiance to the cause will win me trusted adviser status.
by Chan_va
Fri Sep 09, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 4158

Re: map frustration

I too have that problem. Also, my horse often needs to rest and I cant find any where to stable him.

Just kidding. Just kidding. Don't pillory me. I assume you guys have actual pillories.

Just kidding again.
by Chan_va
Sat Sep 03, 2016 10:05 pm
Forum: Personal Consumer Issues
Topic: Moving to Seattle from DC
Replies: 30
Views: 2494

Re: Moving to Seattle from DC

Update: We seem to have narrowed ourselves to two properties. One in the loyal heights elementary area and another near the university village at the university of Washington.

Thoughts on location, area etc for these 2 places?

Thanks.
by Chan_va
Fri Jul 22, 2016 1:46 pm
Forum: Personal Consumer Issues
Topic: Moving to Seattle from DC
Replies: 30
Views: 2494

Re: Moving to Seattle from DC

I think I may have misused the word "Downtown". The job will be more in the north of seattle - close to 500 9th Ave N. If that makes a difference.
by Chan_va
Fri Jul 22, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Moving to Seattle from DC
Replies: 30
Views: 2494

Re: Moving to Seattle from DC

Thanks all. Assuming we were willing to compromise on the "leafy neighbourhood" for a more urban location, what would be some options closer to Downtown with good schools and a reasonable commute?
by Chan_va
Fri Jul 22, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: Moving to Seattle from DC
Replies: 30
Views: 2494

Moving to Seattle from DC

Folks, I am considering moving to Seattle from the Washington DC area. Looking for general thoughts from people who have made such a move. - What would be a good area to move to? Job will be downtown, have young family, so need good schools, looking for a nice neighborhood that has good schools, rea...
by Chan_va
Fri Apr 22, 2016 1:30 am
Forum: Investing - Theory, News & General
Topic: A Fresh Look at Local Bias in Investing
Replies: 15
Views: 1663

Re: A Fresh Look at Local Bias in Investing

There is an important game theory / psychological loss aversion aspect to this as well. If you accept 2 principles - success/failure is only measurable compared to your peer group, and that loss is much more painful than gain is joyful, then it logically follows that you should have a home country b...
by Chan_va
Mon Mar 28, 2016 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buying home without mortgage - what to consider
Replies: 16
Views: 2117

Re: Buying home without mortgage - what to consider

I don't get it. The last several years when rates have been dirt cheap everyone is keen to pay cash for houses. I have done the opposite, I never used a mortgage or had more than one house prior to 2009. Since then we have bought several houses, all with mortgages, Keeping the money that would have...
by Chan_va
Mon Mar 28, 2016 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Buying home without mortgage - what to consider
Replies: 16
Views: 2117

Re: Buying home without mortgage - what to consider

Thanks All. Looks fairly straightforward.

Also planning to use Redfin as a real estate service. Any experience using them?
by Chan_va
Mon Mar 28, 2016 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Buying home without mortgage - what to consider
Replies: 16
Views: 2117

Buying home without mortgage - what to consider

Folks,

We have saved enough to be able to buy our next home without a mortgage. I have never bought without a mortgage before.

What do we need to differently this time? appraisals, paperwork, taxes etc. etc.?

Thanks

BC
by Chan_va
Wed Mar 23, 2016 9:38 pm
Forum: Investing - Theory, News & General
Topic: Article by Michael Kitces makes the case that gov. bonds are a better diversifier than corporates (against the S&P500)
Replies: 34
Views: 3456

Re: Article by Michael Kitces makes the case that gov. bonds are a better diversifier than corporates (against the S&P50

..... I say Kitces seems to be technically correct but at the same time it's not a very big deal. Nisi, you are right that the data is not very conclusive, but for me there is an important psychological reason to prefer treasuries. When it appears that everything is going to hell in a handbasket - ...
by Chan_va
Wed Mar 23, 2016 8:49 pm
Forum: Investing - Theory, News & General
Topic: Live long, spend freely
Replies: 32
Views: 6710

Re: Live long, spend freely

"Live long, spend freely" is what everybody would like to do, but if you spend too freely and live too long you will not have enough money. It's as simple is that. The bedrock certainties are that if you limit yourself to spending from your own individual portfolio (i.e. not paying an ins...
by Chan_va
Wed Mar 23, 2016 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Improving Employee Morale
Replies: 44
Views: 4046

Re: Improving Employee Morale

Look at giving your workers 3 things 1. Autonomy - How can you give them control over parts of their job so they feel ownership 2. Mastery - Give then tasks and opportunities to master new skills and help them grow 3. Purpose - Help them understand the big picture - something that is larger than the...
by Chan_va
Fri Feb 26, 2016 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a lease on a car
Replies: 15
Views: 1835

Re: Negotiating a lease on a car

Ah the wonders of the internet. Quick search reveals MF of .00125, Residual of 61%, $625 acquisition and $350 disposition fees - VW sets these. Lets see what I can get from local dealers.

How did we ever negotiate before we had this type of data?
by Chan_va
Fri Feb 26, 2016 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a lease on a car
Replies: 15
Views: 1835

Re: Negotiating a lease on a car

mrc wrote:One would think VW would be offering very good terms about now. 8-)


You would think, but not on the GTI's - that seems to be the only VW thing selling
by Chan_va
Fri Feb 26, 2016 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a lease on a car
Replies: 15
Views: 1835

Negotiating a lease on a car

Folks, I have never leased a car before, but am now looking to lease a car (Golf GTI). I don't anticipate keeping it more than 3 years, and for various other reasons, leasing is better (it being a VW for one). I don't want this to become a lease vs. buy thread. How do I negotiate on a lease? From my...
by Chan_va
Fri Jan 08, 2016 3:52 pm
Forum: Investing - Theory, News & General
Topic: investus interruptus
Replies: 83
Views: 5124

Re: investus interruptus

rbaldini wrote: There are cases when "pulling out" a bit
..............
Any errors of logic here?


If it's so logical - lay out the rules for the following. Then we can evaluate.

- what is a "bit"
- when would you pull out
- when would you get back in
by Chan_va
Fri Jan 08, 2016 2:37 pm
Forum: Investing - Theory, News & General
Topic: thoughts on AAPL
Replies: 28
Views: 2367

Re: thoughts on AAPL

If 100 shares of appl at 100 is 0.02% of your portfolio - you have 50M. I dont think it much matters when you buy.
by Chan_va
Tue Jan 05, 2016 9:12 am
Forum: Investing - Theory, News & General
Topic: people just love predictions
Replies: 16
Views: 1467

Re: people just love predictions

Don't be so quick to sneer at people making predictions. We all are - explicitly or implicitly If you hold equities, you are making a prediction that in the "long term" the equity risk premium will pay off. But what if it doesn't? What if the market is truly fractal, and there is no such t...
by Chan_va
Thu Dec 10, 2015 9:29 am
Forum: Personal Consumer Issues
Topic: BMW current and past owners -- how was the reliability and would you buy another?
Replies: 89
Views: 9326

Re: BMW current and past owners -- how was the reliability and would you buy another?

I have owned 3 High mileage BMW's over the years (>100k miles). They are fun, but expect to spend ~$2-3K/yr in Mx.

I eventually tired of that and switched brands.
by Chan_va
Thu Dec 10, 2015 9:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service Issues
Replies: 102
Views: 9380

Re: We're not allowed to complain about Vanguard here?

I am concerned that Vanguard, in an effort to win the expense ratio war, is going down the same road that VW did when it wanted to become the volume leader. Corners will be cut.. - I am concerned about Vanguard's lackadaisical approach to security - I am concerned about features (free CFP access, tu...
by Chan_va
Tue Dec 08, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 257
Views: 25564

Re: A car nicer than the boss?

The S class coupe is a beautiful large heavy touring car. It isn't a sports car or a drivers car - just too long (almost 17 ft?) and heavy. I would say it is unlikely for it to be as showy as a Connie or R8 race car. I am not sure if the 550 is the same as the S63 but my neighbor's S63 has an incre...
by Chan_va
Sun Dec 06, 2015 10:34 am
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 257
Views: 25564

Re: A car nicer than the boss?

I think it depends on where you are. Here is Silicon Valley nobody cares what you drive. I have a senior engineer who drives a Cayman GT4 while my CTO drives a 10 year old Lexus. You have to show up and do your work; After that it's all up to you. Consider if your CTO drove the Cayman, and the engi...
by Chan_va
Sun Dec 06, 2015 7:29 am
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 257
Views: 25564

Re: A car nicer than the boss?

As a CFO, you will likely be preaching cost controls. At some point you may even have to lay people off. Think about how that will come across as you drive into work in a Bentley. Buy any car you want, but use that as a weekend driver. Go cheap and sensible for the daily driver. Impressions matter.
by Chan_va
Mon Nov 23, 2015 12:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard Partnering with Yodlee
Replies: 153
Views: 24800

Re: Vanguard Partnering with Yodlee

So far I am able to add a few accounts, but cant add over 5-6 big name ones including TD, VA 529, etc. All ones that the previous aggregator had. This is a big fail on Vanguard's part in terms of communicating the rollout, making sure there was some sort of upgrade path, and making sure they didnt r...
by Chan_va
Tue Sep 29, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: Minivan or not?
Replies: 50
Views: 4899

Re: Minivan or not?

Recently bought a 2016 Kia Sedona. Great tech, fit and finish, and you should be able to get a good deal on them.

Resale value wont be as high as a toyota or honda, but if you plan to keep the van for a while, add that to your shortlist.
by Chan_va
Sun Sep 27, 2015 6:40 am
Forum: Personal Finance (Not Investing)
Topic: % Net Worth Change Since New Year's 2015
Replies: 95
Views: 9755

Re: % Net Worth Change Since New Year's 2015

I have found that the same folks who obsess over whether the small cap premium has declined 0.1% over the past decade, and if the second derivative of the rate of rise of the equity risk premium is trending up relative to the price of cotton, develop a severe case of "Iamtoogoodforthis itis&quo...
by Chan_va
Tue Sep 08, 2015 5:07 pm
Forum: Investing - Theory, News & General
Topic: Has the "Equity Premium Puzzle" Been Solved?
Replies: 41
Views: 3238

Re: Has the "Equity Premium Puzzle" Been Solved?

Interesting paper - thanks for posting OP. I skimmed it and will have to dive into the math later. I have had a similar hypothesis for a while. That said, I have a question about the "extreme disaster" theory. In almost all previous cases where this has happened, there has been no "ri...
by Chan_va
Sat Aug 29, 2015 5:59 am
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 48158

Re: Will you buy an Apple Watch?

I bought an apple watch and returned it after a week. It has promise and I might buy the next generation but the current gen has 3 big problems. 1. Too tethered to iPhone. If I have to carry my phone for everything I need to do on the watch, I might as well use the phone. 2. No gps for accurate run ...
by Chan_va
Tue Aug 25, 2015 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Not pleased with promotion. What to do?
Replies: 15
Views: 3656

Re: Not pleased with promotion. What to do?

Thank you. These are very good suggestions. The hardest part of this is telling people who previously relied upon me that I'm no longer going to help them, and that they need to do the work themselves. I'm also a bit of a perfectionist and have a tendency to answer questions I should send to others...
by Chan_va
Tue Aug 25, 2015 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Not pleased with promotion. What to do?
Replies: 15
Views: 3656

Re: Not pleased with promotion. What to do?

The managers job is now yours. That is the one with access and visibility to senior leadership. That is the one that will determine your long term success. Prioritize that. The old job will have to be de-prioritized. Set up "office hours" of a few hours a week where you respond to emails. ...
by Chan_va
Mon Aug 24, 2015 12:59 am
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 85
Views: 13588

Re: How are you being greedy when others are fearful?

There seem to be a rash of threads here about how you can take advantage of a downturn. All we have had so far is a tiny drop after a record 6 year bull run. Folks, have we forgotten 2001 and 2008 already in terms of what fear feels like? For those who haven't experienced a true brutal bear market b...
by Chan_va
Thu Aug 13, 2015 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 85
Views: 11332

Re: Priorities

Thank you protagonist. I was going to spend the evening trying to figure out which funds to tax loss harvest, but spent it instead playing with food colors and making a giant mess with my 5 yr old.
by Chan_va
Wed Aug 12, 2015 11:14 am
Forum: Personal Consumer Issues
Topic: New Family Sedan or Used Luxury Car
Replies: 46
Views: 5134

Re: New Family Sedan or Used Luxury Car

Not even a close choice. New for 2 reasons 1. You will pay a fortune maintaining an older luxury car. Budget 2-3K / yr. I know from years of experience 2. The features and tech that made a luxury car cool in 2005 have trickled down to mainstream cars. The new car will be as good or better. The only ...
by Chan_va
Fri Aug 07, 2015 1:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 67
Views: 9215

Re: Congrats to Laura Dogu

For us newcomers, who is Laura?

Congratulations!
by Chan_va
Mon Aug 03, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Definition of "Success", Investing or Otherwise?
Replies: 16
Views: 1869

Re: What's Your Definition of "Success", Investing or Otherwise?

I agree with Bob Dylan. “A man is a success if he gets up in the morning and goes to bed at night and in between does what he wants to do.” – Bob Dylan

To me, that means accumulating 50x annual expenses. That would allow me to quit tomorrow, and do I what I want to do.
by Chan_va
Thu Jul 30, 2015 12:39 am
Forum: Personal Consumer Issues
Topic: [looking] for car suggestions
Replies: 60
Views: 5101

Re: look for car suggestions

On the low end, look at the Subaru Outback 3.6 - I was really impressed with the fit and finish, and safety tech available. Loaded for about 37K

On the high end, look at the Merc E63 AMG wagon. A beast. You are looking at the low 100's there.
by Chan_va
Mon Jul 27, 2015 11:13 pm
Forum: Investing - Theory, News & General
Topic: The Futility of Predicting Future Returns
Replies: 87
Views: 6286

Re: The Futility of Predicting Future Returns

I am a 3 fund guy myself, but we should recognize that the boglehead philosophy involves one key ingrained assumption. "Stuff always goes up over the long term" We are assuming that the future will roughly resemble the past, and that you can define the concept of a "long term", w...
by Chan_va
Wed Jul 22, 2015 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Bogle backfire?
Replies: 71
Views: 10222

Re: Bogle backfire?

If you can afford to buy a ford gt, you must have done some things right. The bogle head approach will minimize the std deviation of success. You won't become a billionaire, but it's likely you won't file for chapter 11 either. Other strategies will swing for the fences, but remember that the risk/r...
by Chan_va
Sat Jul 18, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: Ford Explorer vs. Honda Pilot
Replies: 36
Views: 6321

Re: Ford Explorer vs. Honda Pilot

Came home yesterday with a 2016 Sedona sx with tech package. The thing has more buttons than a Boeing 747.

Kia is offering a $1000 rebate if you finance, but not if you pay cash. Annoying, I have to finance and pay off a month later.
by Chan_va
Thu Jul 16, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: Ford Explorer vs. Honda Pilot
Replies: 36
Views: 6321

Re: Ford Explorer vs. Honda Pilot

Went to the Kia dealership to drive the Sorento. It was great, but the Sedona (minivan) is even better. Kia has made incredible strides in design and features.
by Chan_va
Wed Jul 15, 2015 8:02 am
Forum: Personal Consumer Issues
Topic: Ford Explorer vs. Honda Pilot
Replies: 36
Views: 6321

Re: Ford Explorer vs. Honda Pilot

Update: Test drove the Explorer further, and although I like the tech on it, the seats seemed cramped. Ruled that out.
Dealers are asking too much for the Pilot right now. Guess I will wait a few months for the hoopla to die down and supply ramps up.
by Chan_va
Mon Jul 13, 2015 2:28 pm
Forum: Personal Consumer Issues
Topic: Ford Explorer vs. Honda Pilot
Replies: 36
Views: 6321

Ford Explorer vs. Honda Pilot

Folks, As our family has grown, we have reached a point where we need a 3 row family hauler. I seem to have narrowed the choices down to the 2016 Explorer and Pilot. The 2016 Pilot is extremely scarce right now, and dealers are asking above MSRP for it. The Explorer on the other hand seems to be ava...
by Chan_va
Thu Jun 18, 2015 4:05 am
Forum: Personal Consumer Issues
Topic: How much do your children cost per month?
Replies: 83
Views: 9047

Re: How much do your children cost per month?

2 kids - one in preschool and one infant.

$4000/ month in childcare costs.

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