Bogleheads.org

PVW

... I don't think I'm explaining myself clearly. I'm saying the inflation that matters is the change in value of the things you buy, not the change in your personal budget. If you are investing your money to eventually purchase a 1932 Packard Eight Phaeton, then the change in price of that car is t...

PVW

... The Bureau of Labor Statistics has not started reporting the CPI-PVW, but my only concern about the BLS measures of inflation are how they affect my government benefits. There is a CPI-PVW and CPI-Phineas J. Whoopee. In figuring my expenditures, I only care what CPI-PVW is. Maybe your point is ...

PVW

... Your personal inflation rate is the only one that matters for your personal income and expenditures. ... There is no CPI-PVW any more than there is a CPI-Phineas J. Whoopee. One's personal expenses vary, one's personal basket of goods and services is unlikely to resemble the one used for the na...

PVW

Suppose you make a $100 investment for 1 year. At the end of the year you get back $103. The nominal return R is 3% I believe that the real return RR can be calculated from the the nominal return R and the inflation rate i using this formula: 1 + RR = (1 + R) / (1 + i) Which of the different inflat...

PVW

I'm of the opinion we all spend dollars so we all have the same inflation rate. Where you choose to live and what you choose to spend your money on are spending choices. But this all comes down to semantics. I would propose your year to year change in spending depends on three factors: Change in an...

PVW

Good question. I'm already in this situation - I believe my assessment is low and my property tax should be about 25% higher. I'm not going to protest the assessment. From a financial point of view, a house with a low assessment should be worth more than a house with an accurate assessment because t...

PVW

Why is the township involved in this kind of agreement between 2 landowners? Do they have some interest in the fence?

PVW

Interesting article from today. This one about making sure if you purchased at least $10,000 in bitcoin off a foreign exchange that you remember to file your FBAR (IRS form 8938): "If you're using foreign exchanges, it's going to qualify as a foreign reportable account for FBAR," Ozelli said. And m...

PVW

Passive investors make it easier and more profitable to exploit pricing inefficiencies. It removes competition for discovery and also increases the available pool of mispriced assets so that an active investor can buy more before the herd discovers the inefficiency. A skilled active investor would w...

PVW

Sounds like you'll be doing a lot of driving. There is some beautiful country there. The Million Dollar Highway, south out of Ouray, CO is great. The Rio Grande Gorge Bridge, outside of Taos. Then south from Taos to Espanola along the Rio Grande (the low road), or you can take the High Road to Taos ...

PVW

BolderBoy wrote: ↑
Thu Mar 22, 2018 10:30 pm
If you are terribly fretful about mailing, then this is what "registered mail" is made for. Expensive.

The US government trusts registered mail when sending classified information, it should be good enough for a personal check.

PVW

Boston Barry wrote: ↑
Thu Mar 22, 2018 2:24 pm
If you don’t have any dependents why is there a need for life insurance? I’m not asking to be snarky but that was my understanding about when life insurance was necessary.

Some people get it as a benefit from their employer.

PVW

Your bank might check the signature and invalidate the check. Do you want to risk this hassle?

PVW

If you didn't report these transaction, and the cost basis of the shares you sold, on your tax return, the IRS will assume a $0 cost basis and then try to collect capital gains tax on the entire sales proceeds.

PVW

I’m looking for the word or phrase that describes how a complex system changes either predictably or unpredictability when a pasive observer becomes an active market participate. Any ideas? That is basically the definition of a dynamical system. Controlling these unpredictable systems is called Rob...

PVW

It does seem a little sketchy, but why should Aetna apply your deductible in a way that is most favorable to you?

PVW

El Greco wrote: ↑
Thu Mar 22, 2018 9:42 am
Oh, THAT Thunderbird. I thought you were talking about the wine

Me too. Opening the bottle is the first malfunction.

PVW

Depending on the age and quality of the floppy disks and the storage environment, there is a chance the data on the disks has degraded and might not be readable.

PVW

I did. I followed their specific instructions, sent them the required gift cards and it seems to have resolved the issue to their satisfaction. You can probably expect a call next year too. At first blush it is hard to believe that anyone falls for these scams but it is clearly a big problem. My fa...

PVW

ztn wrote: ↑
Mon Mar 19, 2018 11:46 am
I did. I followed their specific instructions, sent them the required gift cards and it seems to have resolved the issue to their satisfaction.

You can probably expect a call next year too.

PVW

Some taxes and fees are mandated. Others are just extra charges for the benefit of profit. Calling them a fee and telling you what they are for doesn't change the fact that it's just money in the pocket of the company. http://www.centurylink.com/home/help/account/billing/taxes-fees-and-surcharges-on...

PVW

Obtaining a divorce for the benefit of filing separately is forbidden by IRS Publication 504 only if you intend to remarry and do so in the next tax year.

https://www.irs.gov/publications/p504

PVW

Tell her you can't sell now because the NFC won the Superbowl and this is an obvious bull market predictor.
https://lplresearch.com/2018/02/02/tom- ... -disagree/

And this has the same chance of being right as the analysis your wife is reading.

PVW

My perspective on the C suite comes from knowing some administrators in the suite. From that perspective, dietary requirements are nothing special - something to be accommodated, but nothing else. It is likely that you will have some colleagues joining you on this offsite event that share your non-a...

PVW

I did it the other way. I sold some incentive stock options early last year for about $50K. If I'd waited a year, I could have sold them for about $120K. But what can you do? Just grin and bear it. I don't let it affect my behavior going forward and there is no chance of correcting that mistake. Who...

PVW

lightnoise wrote: ↑
Tue Feb 06, 2018 7:50 pm
Hi,
I will be in Austin, TX for a day and am looking for recommendations for an excellent BBQ joint. Any recommendations? I can of course search on google and go on yelp but I would love to hear any of your advise as well. Thank you.

Even bad BBQ in Austin is still pretty good.

PVW

Fat-Tailed Contagion wrote: ↑
Tue Feb 06, 2018 1:16 am
What's the Bottom Call for Bitcoin?

One day it might be worth 100 trillion dollars.
https://en.wikipedia.org/wiki/Zimbabwea ... bverse.jpg

PVW

A buy signal occured when the 50 day moving average crossed above the 200 day moving average. A sell signal is occurred when the 50 day moving average crossed below the 200 day moving average. This is the basic idea behind momentum investing. Apparently there is some reward to be had from going alo...

PVW

It is generally held that you cannot beat the market by timing it. Based on my studies, this appears to be true. That being said, it seems to me [...] Your main flaw is thinking the market is logical and you just need to choose the right indicators to predict how the market will behave. Many (many,...

PVW

when will it be lower?

PVW

Put it in the contract that you're not liable beyond what you get paid for the work.

I am not a lawyer, so this advice is probably worth what you paid for it.

PVW

I'm curious why you plan to rebalance Redfin to 20% of your portfolio if it goes down? Will you rebalance if it goes up? Why did you chose 20%?

PVW

Are you sure the rental agreement specifies the vehicle is not to be used on unpaved roads? Or does it specify any insurance coverage will not cover damage due to use on unpaved roads? This web site says insurance coverage under a credit card agreement is usually void if you violate the rental agree...

PVW

“I spent half my money on gambling, alcohol and wild women. The other half I wasted.” W.C Fields.

My suggestion is don't waste your play money.

PVW

Can't really comment on the job hunting benefits. I have a narrow skill set and the recruiting contacts and job ads from LinkedIn rarely fit my qualifications. I maintain my LinkedIn profile for the benefit of my employer. They, in part, pay me for my credentials and customer's occasionally want to ...

PVW

Don't put much weight on originally getting turned down by the 1st company. Likely they had a better candidate that didn't work out. Now your wife is their best option. It sounds like they were honest in their dealings and each of those points were professional. As in life, someone else is always be...

PVW

I don't think of Redfin as a stock price. I see the vision of the company. Then this is not about investing, it's about using your money for things you believe in. Nothing wrong with that, but I don't feel strongly enough about transforming the real estate sales business to contribute money to the ...

PVW

Apparently a well known problem. http://www.ajc.com/news/local-govt--politics/how-dispute-high-water-bills-dekalb/Gcusp4NTJ0QocYydc5CWnO/ http://www.mdjonline.com/neighbor_newspapers/dekalb/news/dekalb-ceo-thurmond-says-source-of-embarrassing-water-billing-problems/article_83803aa4-408f-11e7-994a-a3...

PVW

I still firmly believe that those doubting Bitcoin now will be equal to those doubting cars over horses, the web over paper, etc. People that believe in the transformative possibilities of crypto currencies are using them as currency, not as investments. A person can believe in the technology witho...

PVW

You need roughly $10M to be financially independent - that would support about $300K per year of expenses. You have about $3.4M in assets excluding your house so you are about $6.6M away from financial independence. Or $5M if you count the $1.6M bonus income. Will the $20K per month expenses be abou...

PVW

I would not expect housing to be much of an investment. I usually assume the value of my home will keep up with inflation - though this is just a mental excercise and my home appreciation doesn't figure into my retirement calculations. I pay 3.75% on my mortgage, with a balance that is about half th...

PVW

I believe HSA contribution limits are prorated based on the number of months you are employed (correction - number of months you have a high deductible health plan).

https://www.kiplinger.com/article/busin ... d-off.html

PVW

Very unlikely, in my opinion. Large crypto traders often deal among themselves, which indicates private information so all the traders are not working with the same information. The differences in valuation between the exchanges indicates the markets are not efficient at incorporating the value of p...

PVW

He currently has a $900k portfolio, mostly in Vanguard low cost index funds. ~$275k in taxable, $175k Roth IRA, and $450k 401k. [...] What advice would you give to him. If your friend doesn't quickly find a new job, he maybe be in a very low tax bracket this year. If so, roll over the 401k into a T...

PVW

Kodak is also leasing out Bitcoin miners - the "Kashminer". If this wasn't from Gizmodo, I'd swear it was an Onion article.

https://gizmodo.com/wait-it-turns-out-k ... 1821974370

PVW

From your experience, what purchases have been worth the cost? I once attended a lecture titled "Knowing yourself is harder than you think" (or something like that). The gist was that people have a difficult time predicting how they will act or feel about something they haven't done yet. Evidence fr...

PVW

This whole situation is complicated by my current earnings. If I were to stay where I was vs. the PhD, it would take me about 18 years before I have made more with the PhD since I'm effectively making nothing for the 5 years I'm doing it. It might not be this bad. Don't compare your total current e...

PVW

Looking for some help here, because I've been going back and forth on what to do for YEARS now and I feel the need to settle on a plan!!! ... Pro: can go for "free" through department funding, would be a satisfying thing to do, buffet pick of 100k+/yr jobs Con: wipes out 5 years of my earning lifet...

PVW

I would do a solid hardwood floor. Its durable and I kind of like the look of a well used oak floor. Commercially produced hardwood flooring might be too expensive, but since you are looking to build a workshop, you could get rough cut or used lumber and make the planks yourself.

PVW

Maybe more evidence for the cryptocurrency bubble https://www.theverge.com/2018/1/9/16869998/kodak-kodakcoin-blockchain-platform-ethereum-ledger-stock-price The interesting things for me are (1) Kodak was once a very real company and (2) there seems to be a realworld application onto which blockcha...

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