Search found 711 matches

by Clever_Username
Sun Jun 25, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: If I want to have a safe portfolio in case of...
Replies: 23
Views: 1649

Re: If I want to have a safe portfolio in case of...

Mrxyz wrote:
johnra wrote:Go into cash, wait your chance, then come back in.


So cash is better/safer than all bonds?
Selling to get cash will trigger taxes also.


So will selling to get to bonds, assuming we're talking about the non-tax-advantaged portion of your portfolio.
by Clever_Username
Wed Jun 21, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 62
Views: 5402

Re: Co-workers advising to buy house RIGHT NOW

Your co-workers want you to act in a way that validates their decision. If you don't buy, maybe they made a mistake and bought when they should have waited. If you do buy, and prices have gone up since they bought, they made a great decision to buy when they did. See how that works? They are not ad...
by Clever_Username
Mon Jun 19, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 6150

Re: So sick of it! [Paying off student loans]

To a previous post. Pretty much everyone that posts here cannot deduct student loan interest. I'm not sure that's true. I think the limit (someone correct me if I'm wrong) is $75,000, and it's a deduction regardless of itemization. I think there are plenty of people on this board who fit into that,...
by Clever_Username
Sun Jun 18, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 6150

Re: So sick of it! [Paying off student loans]

Goal33 wrote:
Clever_Username wrote:I'm in no hurry to pay off my mortgage at 4.25% either.


You should be in a hurry to refinance it at a lower rate while you still can, though.


It's a new mortgage, so I don't think a lower rate was out there. It's also a 30-year, not a 15-year.
by Clever_Username
Sun Jun 18, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 6150

Re: So sick of it! [Paying off student loans]

I am going to miss my student loans when they're gone, which I think will be in about 4.5 years. I pay $100/month, of which about $10 goes to interest. I think it's $100 because I can't do auto-debit (which gives me a further break on interest) on less. I might be wrong on that. I mostly don't think...
by Clever_Username
Fri Jun 16, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 2475

Re: Need WIFI repeater or second router Advice

I have since switched to the Google mesh network system with 2 pods, and it works flawlessly 100% of the time - the signal is so strong that I even get HD video signal in my garage now, whereas before I got zero bars, even with the repeater situated 2 walls away <15 feet away. Second vote for this....
by Clever_Username
Thu Jun 15, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Contractor took deposit but never did any work. What next?
Replies: 31
Views: 3903

Re: Contractor took deposit but never did any work. What next?

follow up and answer some questions: 1) I contacted a lawyer today and awaiting for a response 2) I would prefer not to divulge the exact amount but it is for a 5 figure sum which is well above the small claims court maximum. If it was something like $1500 I would just eat the loss, but at 5 figure...
by Clever_Username
Wed Jun 14, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Solar Tax Trick or Scam
Replies: 9
Views: 1367

Re: Solar Tax Trick or Scam

The way my friends explained it to me was that they would create a business that would generate electricity, give it to the utility, which would pay them in-kind (in electricity) for their electricity they generated. They would then be able to deduct a bunch of business expenses. I googled a bit, a...
by Clever_Username
Tue Jun 13, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11861

Re: Who takes financial chances and why is this forum so financially conservative?

In my career about 20 minutes into a conversation I can figure out the math oriented folks as they want logic for EVERYTHING. Only problem is life doesn't work that way. But shouldn't life work that way? Quick, am I mathematically oriented or not? :D If you were, wouldn't your user name be ErlangCo...
by Clever_Username
Tue Jun 13, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11861

Re: Who takes financial chances and why is this forum so financially conservative?

In my career about 20 minutes into a conversation I can figure out the math oriented folks as they want logic for EVERYTHING. Only problem is life doesn't work that way. But shouldn't life work that way? Quick, am I mathematically oriented or not? :D If you were, wouldn't your user name be ErlangCo...
by Clever_Username
Tue Jun 13, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 4791

Re: Pay Mortgage vs. Buy Bonds

A home you live in behaves more like an annuity than a bond; it decreases your need to spend money, but it can't easily be converted into the time value of the money. Thus it makes sense to change to a more aggressive asset allocation once you own a home, if you are treating the mortgage as a negat...
by Clever_Username
Mon Jun 12, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 4791

Re: Pay Mortgage vs. Buy Bonds

A home you live in behaves more like an annuity than a bond; it decreases your need to spend money, but it can't easily be converted into the time value of the money. Thus it makes sense to change to a more aggressive asset allocation once you own a home, if you are treating the mortgage as a negat...
by Clever_Username
Mon Jun 12, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Auto-Debit May Not Be Such a Good Idea
Replies: 25
Views: 3087

Re: Auto-Debit May Not Be Such a Good Idea

My auto-pays are on credit card. My cable internet provider though will charge me to not send a physical bill each month. So I get a paper bill each month, open it, and see when my auto pay is going to happen (it literally says this on the paper). So that's reassuring. Just got a new mortgage, have ...
by Clever_Username
Thu Jun 08, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Home Owner ---- mortgage or cash?
Replies: 8
Views: 1192

Re: First Time Home Owner ---- mortgage or cash?

Congratulations on the new place!
by Clever_Username
Thu Jun 08, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: I'm considering buying a house in the $800k range.. can I?
Replies: 67
Views: 6064

Re: I'm considering buying a house in the $800k range.. can I?

edit: Basically, one of the reasons is this. I can't marry my GF without moving in with her. I can't move in with her without a bigger place than I current have, especially because she works night shift and we'd be waking each other up all the time. So if I want to progress the relationship (I do) ...
by Clever_Username
Mon Jun 05, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: How to find best but the cheapest red wine for better health?
Replies: 14
Views: 886

Re: How to find best but the cheapest red wine for better health?

I'm not that kind of doctor and I'm certainly not your doctor. So this is just what I drink. Trader Joe's has a handful of $4 or so wines. They tend to taste better than "Two Buck" (now about $3) Chuck (Charles Shaw) wines. Grifone Sangiovese is one I like. Purple Moon Shiraz is nice too.
by Clever_Username
Sat May 20, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3358

Re: Rice Cooker

Do you folks wash your rice prior to cooking it? Wash - I mean - cover with water stir until water turns white - drain - and repeat about 2 more times until water is clear? If you don't do this - you usually have a gel like goop mess to deal with. I didn't realize there were people who didn't wash ...
by Clever_Username
Thu May 18, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3358

Re: Rice Cooker

I have had my rice cooker since college (I'm mid-30s now). It's amazing. I'm glad you like yours.
by Clever_Username
Wed May 17, 2017 2:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 916009

Re: U.S. stocks in freefall

SquawkIdent wrote:Just like Toons and Mr. Buffett say....use that noise to your advantage.


Two excellent sources of advice, may I add.
by Clever_Username
Mon May 15, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Safe, low volatility ETFs with monthly dividend payout
Replies: 14
Views: 781

Re: Safe, low volatility ETFs with monthly dividend payout

It sounds like you're looking for a bond fund.

(Edit) Or a money market. Those are low volatile and have monthly payouts.
by Clever_Username
Wed May 03, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: Are we all forgetting our taxable accounts?
Replies: 79
Views: 9881

Re: Are we all forgetting our taxable accounts?

I agree with the view that the money I put into tax-advantaged accounts when I'm younger can be used to shift money to when I'm older, as it eliminates the need to contribute to the account at those ages. I currently have approx. $240K in tax-advantaged savings earmarked and am 33 years old. If that...
by Clever_Username
Wed May 03, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: Who Contributes to IRA's?
Replies: 8
Views: 1164

Re: Who Contributes to IRA's?

Nice to know my younger sister is an exception (I fit into one of the three categories). Between her 401(k) at work and maxing out her IRA each year, she manages to save 20% of her salary. Some of that I subsidize in the form of gifting money to match some of her contributions.
by Clever_Username
Mon May 01, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 66
Views: 8137

Re: I bonds May 2017

Fixed rate is in fact 0%, glad I bought last month... https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm#compositerate Yup. Last month was the month to have bought them. :beer Um, wasn't fixed rate 0% last month as well? Or am I just not understanding? (The l...
by Clever_Username
Fri Apr 28, 2017 6:51 pm
Forum: Investing - Theory, News & General
Topic: Sell in May and go away - not this year?
Replies: 15
Views: 2680

Re: Sell in May and go away - not this year?

The AFC won the Super Bowl, so we're in for a bear. https://en.wikipedia.org/wiki/Super_Bowl_indicator As of January 2017, the indicator has been correct 40 out of 50 times, as measured by the S&P 500 Index – a success rate of 80%. Seems like a weird rule given that the Bears are in the NFC.
by Clever_Username
Thu Apr 27, 2017 6:50 pm
Forum: Investing - Theory, News & General
Topic: Sell in May and go away - not this year?
Replies: 15
Views: 2680

Re: Sell in May and go away - not this year?

If there's a way to successfully time the market, it isn't going to be deterministic or well-known.
by Clever_Username
Thu Apr 27, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 62
Views: 4699

Re: Is $20K I-Bonds considered cash or bond?

I like Nisi's description of "conservative assets" instead of obsessing over "is this a bond or not?" As for me, I view them as part of my bond allocation when I think of my overall portfolio as "stocks and bonds." However, I also view them as a tier in my emergency fun...
by Clever_Username
Thu Apr 27, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Los Angeles house buying
Replies: 38
Views: 3746

Re: Los Angeles house buying

I'm under contract to buy in the greater Los Angeles area (not L.A. City) soon. Give or take at 5x earnings. However, with savings, equity from my previous place, and fairly low expenses outside of housing, I'm not terribly worried. The usual pick X of 3: Affordability: I make good money and don't s...
by Clever_Username
Sun Apr 23, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 37674

Re: Larry Swedroe says "Goodby."

Tragic. Great author, loved seeing his posts too. If you're reading this, thanks for all you did Larry.
by Clever_Username
Tue Apr 18, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is doing an Ask Me Anything (AMA) on Reddit Today
Replies: 6
Views: 1857

Re: Mr. Money Mustache is doing an Ask Me Anything (AMA) on Reddit Today

MMM said on Facebook he was doing a Reddit AMA today at 1PM EST Also verified on Twitter: https://twitter.com/mrmoneymustache (and that account is linked from his website) That having been said, I'm not sure what I'd ask him. I like his articles on frugality and cutting unnecessary expenses. I find...
by Clever_Username
Mon Apr 10, 2017 12:06 am
Forum: Investing - Theory, News & General
Topic: "We're changing how we report costs. You still benefit."
Replies: 14
Views: 2520

Re: "We're changing how we report costs. You still benefit."

The highest cost Vanguard fund is, I believe, Vanguard Emerging Markets select at 90 basis points. I have never heard of this fund, and it has $400M in assets compared to $541B in Total Stock Market and $300B in S&P 500 funds, which are 16 basis points at most if you hold Investor shares. Why s...
by Clever_Username
Sun Apr 09, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: "We're changing how we report costs. You still benefit."
Replies: 14
Views: 2520

Re: "We're changing how we report costs. You still benefit."

The highest cost Vanguard fund is, I believe, Vanguard Emerging Markets select at 90 basis points. I have never heard of this fund, and it has $400M in assets compared to $541B in Total Stock Market and $300B in S&P 500 funds, which are 16 basis points at most if you hold Investor shares. Why s...
by Clever_Username
Thu Apr 06, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Unique position
Replies: 17
Views: 1112

Re: Unique position

I have very recently found this forum, and I'm not surprised that so many people hold this philosophy. I have been studying the stock market and I am coming to the unfortunate realization that unless I get lucky, I'm probably not going to get way ahead by picking my own stocks. I will still leave a...
by Clever_Username
Tue Apr 04, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Conflict of Interest at work - could I get fired?
Replies: 21
Views: 3231

Re: Conflict of Interest at work - could I get fired?

If you're in 49 of the 50 states, the default is at-will employment, and other than a few particular things like race, you can be fired for any reason absent a contract otherwise. That's bad news, but it also works in your favor that you can leave when you want also. Failing to disclose a potential ...
by Clever_Username
Sat Apr 01, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Help me respond to an angry insurance agent!
Replies: 38
Views: 4426

Re: Help me respond to an angry insurance agent!

But he now thinks that I stole his work and went with it to another agent. A stupid question, can he win a sue case for that?!! he doesnt even have my information, only email and phone number.. I'm not a lawyer, but I doubt he'd win a lawsuit over that. First, it feels like small claims territory. ...
by Clever_Username
Sat Apr 01, 2017 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 7526

Re: Is anyone decreasing % of bonds this year?

Probably not. Bonds are for sleeping, not for eating. I didn't have much invested in 2008 so I don't know how I'd react to a market drop for real. Until I know that I can sleep well during such an event, I'll be sticking with age in bonds. Also, Suze Orman as a source for bonds is... problematic. Sh...
by Clever_Username
Fri Mar 31, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Economics of Charging an Electric Car
Replies: 85
Views: 6334

Re: Economics of Charging an Electric Car

To me, the appeal of an electric car isn't environmental (although I like that) or financial (although I wouldn't do it if it were prohibitively expensive). The appeal is having a refueling station in my garage that I don't need to make a stop for. That having been said, it sounds like it works out ...
by Clever_Username
Fri Mar 31, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Saving 50% of salary; what does it really mean?
Replies: 142
Views: 11092

Re: Saving 50% of salary; what does it really mean?

Well, for those of us with salaries that aren't in the mid six figures, just maxing out a retirement plan at work gets us a good percent of it without the tax hit. So that may help. Employer matching maybe counts in some figures? In any case, I have no idea what my savings rate is. My spending each ...
by Clever_Username
Tue Mar 28, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Should we take 0.9% auto financing?
Replies: 27
Views: 2200

Re: Should we take 0.9% auto financing?

I'd have to calculate the total cost of the loan -- does it raise the price of the car? Of insurance beyond what I'd get otherwise? Do I need to pay origination fees for the loan? If it was the same price I'd pay cash for, without needing insurance I didn't want, and I didn't have to pay origination...
by Clever_Username
Mon Mar 27, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: Cord cutting: Masters Golf
Replies: 18
Views: 2159

Re: Cord cutting: Masters Golf

Hey cord-cutting golf fans,

The PGA of America just posted this article about how to stream the tournament. I think the list was covered already, but it's a semi-official source for the event.
by Clever_Username
Sun Mar 26, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Free/Cheap Sports Channels
Replies: 16
Views: 1435

Re: Free/Cheap Sports Channels

If you have Verizon wireless, you can watch NFL games for free on the NFL Mobile app once football season starts back up. You can watch March madness games for free though an app as well, no matter your carrier. Thats why my brother thought but it wasn't true. You only get to see the games that are...
by Clever_Username
Sat Mar 25, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Free/Cheap Sports Channels
Replies: 16
Views: 1435

Re: Free/Cheap Sports Channels

Oh good, you said the kids like football. Go to Youtube -- Indoor Football League Channel . LiveStreaming every game all season courtesy of the league itself! Good quality. Rattlers play tomorrow at 1pm local.
by Clever_Username
Fri Mar 24, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: home buying negotiation tips
Replies: 10
Views: 1255

Re: home buying negotiation tips

Before I start putting in offers, I find two houses that I would like to live in. Having a plan to walk away gives you a lot of power in the negotiation. Admittedly, I don't live in an area where houses sell in a matter of hours with multiple offers, so this advice may not be applicable to your sit...
by Clever_Username
Thu Mar 23, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2750

Re: Anybody using the TERMINAL over the GUI in ubuntu?

My entire Ph.D. dissertation was done with a series of text files in the LaTeX mark-up language In the 1970's IBM had a markup language called 'Script'. PhD candidates would write their thesis using it, because it was really nice to not have to redo all the page numbers and so on because you insert...
by Clever_Username
Wed Mar 22, 2017 11:56 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 9159

Re: The $1,124,176 Car.

I believe a similar analysis works for not smoking some fairly small amount of cigarettes, such as a pack a day (I have no idea what cigarettes cost these days).
by Clever_Username
Wed Mar 22, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2750

Re: Anybody using the TERMINAL over the GUI in ubuntu?

I love to use the command line. For fun, I'm replying to your post using lynx. I'm excited to see if it's a horrible mess after I submit it and check it in chrome! Wow, it actually worked. I guess bogleheads.org could have survived in 1994! Yes, bad form to reply to myself... Forgiven because lynx....
by Clever_Username
Tue Mar 21, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 102
Views: 5897

Re: Best way to expand my vocabulary?

Everybody has two volcabularies. Productive vocabulary is what you say or write. Receptive vocabulary is what you understand. Reading material that is a stretch for you will increase your receptive vocabulary. This is a good thing because you will understand more people, and are less likely to be b...
by Clever_Username
Tue Mar 21, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 19537

Re: gratuitous homeownership items

Thank you everyone for the explanation of the bathtub issue. It makes sense and I'll be sure to keep one in my house. Bathtubs - but RE agents tell me I have to keep one. I would like to have zero. What's the deal with this anyhow? I keep hearing it. Is it related to resale value that there's at lea...
by Clever_Username
Tue Mar 21, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2750

Re: Anybody using the TERMINAL over the GUI in ubuntu?

I use the terminal all the time. Very convenient for me for moving files, compiling, or compressing.
by Clever_Username
Mon Mar 20, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 19537

Re: gratuitous homeownership items

seychellois_lib wrote:Bathtubs - but RE agents tell me I have to keep one. I would like to have zero.


What's the deal with this anyhow? I keep hearing it. Is it related to resale value that there's at least one "full" bathroom?

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