Search found 122 matches

by acanthurus
Mon May 01, 2017 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 44
Views: 2682

Re: Favorite Financial Indulgences

My food bill went way up and my weight went way down. But my grocery bill is atrocious. well, now you know we need to know what you were eating that was more expensive and caused your weight to drop? Could you also define "atrocious"? (just curious!) I use a low carbohydrate diet to contr...
by acanthurus
Sun Apr 30, 2017 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 44
Views: 2682

Re: Favorite Financial Indulgences

1) Cooking for my Dad. I make him prime rib on his birthday and special occasions. Dropping serious coin for an entire prime grade prime rib without even a second thought is nice. 2) Food. Good, high quality food. My food bill went way up and my weight went way down. But my grocery bill is atrocious...
by acanthurus
Thu Apr 27, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: Article Bloomberg--BlackRock Forges Two-Tiered ETF Strategy to Fend Off Vanguard
Replies: 7
Views: 1246

Re: Article Bloomberg--BlackRock Forges Two-Tiered ETF Strategy to Fend Off Vanguard

Don't forget the options market liquidity associated with some of these products. The difference there can make the differences in AUM and daily share volume look minuscule.
by acanthurus
Tue Apr 25, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 9071

Re: Vanguard has switched to brokerage only accounts

I converted all existing retirement accounts and opened a new taxable brokerage account with Vanguard within the last couple years. I have had no issues with them so far. This would not be something that kept me from doing business with Vanguard at all.
by acanthurus
Tue Apr 25, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: New job and offer - recruiter sent a wrong $$
Replies: 43
Views: 4835

Re: New job and offer - recruiter sent a wrong $$

Decline. Don't play recruiter's games. Let them know why (the initial misrepresentation of compensation) and CC the hiring manager on it. Be polite, firm, and honest. Integrity and the ability to say no are the two muscles you can flex here.
by acanthurus
Thu Apr 20, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Skip ESPP? - 5% discount on fix date with holding period of 6 months
Replies: 37
Views: 2417

Re: Skip ESPP? - 5% discount on fix date with holding period of 6 months

I would participate and let it be known how much I believed in the company and thought the stock was a great deal. Especially around management.
by acanthurus
Sat Apr 08, 2017 11:10 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA - Using Risk to Grow the Pie
Replies: 30
Views: 2860

Re: Roth IRA - Using Risk to Grow the Pie

Deep in the money LEAPS contracts on SPY. It's about the only way you'll get significantly more aggressive than 100% equity index funds without being the mythical stock picking genius. This is the type of input I'm looking for. Thanks. Any views on when to execute (CAPE levels or otherwise)? And ho...
by acanthurus
Sat Apr 08, 2017 10:36 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA - Using Risk to Grow the Pie
Replies: 30
Views: 2860

Re: Roth IRA - Using Risk to Grow the Pie

Deep in the money LEAPS contracts on SPY. It's about the only way you'll get significantly more aggressive than 100% equity index funds without being the mythical stock picking genius.
by acanthurus
Mon Mar 27, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 7256

Re: Massive Student Loan Debt - Girlfriend

You've been dating 8 months. There are other girls out there without $175k in debt.

This is Bogleheads. Costs matter.
by acanthurus
Wed Mar 22, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Where's the sweet spot in the cost/benefit curve for floor speakers?
Replies: 40
Views: 2752

Re: Where's the sweet spot in the cost/benefit curve for floor speakers?

Money isn't really correlated with sound quality. Most speakers are designed poorly because they're easier to build and they sell well. If you're talking about generic cone woofers and dome tweeter in a box speakers, the extra money is going to get you slightly better designed motors, more competent...
by acanthurus
Wed Mar 22, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Using 25-30 year old EE bonds to fund 529
Replies: 12
Views: 1072

Re: Using 25-30 year old EE bonds to fund 529

dodecahedron wrote:
Gill wrote:Those 1986 bonds have matured and the interest should be reported on the 2016 return.
Gill


+1


+2. Had to do this myself last year on my 86 bonds. Deferred interest is awesome until you have to pay the tax AND lose that sweet sweet 4% per year :annoyed
by acanthurus
Tue Mar 21, 2017 5:00 pm
Forum: Investing - Theory, News & General
Topic: Schwab: Is There Ever a Bad Time to Invest?
Replies: 22
Views: 3387

Re: Schwab: Is There Ever a Bad Time to Invest?

It looks like the average Japanese retail investor is 55% domestic equities even today:

Image
by acanthurus
Tue Mar 21, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Any downside in buying a brand new house ?
Replies: 71
Views: 4991

Re: Any downside in buying a brand new house ?

In my area you can expect lower price appreciation from new housing developments. They are all built on the edges of town on former farmland to build out the new suburbs. I have many homeowner friends in a LCOL state with no geographic restrictions like mountains or other natural barriers around the...
by acanthurus
Mon Mar 20, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Want to buy a used Mini Cooper-> Talk me into it?
Replies: 45
Views: 5381

Re: Want to buy a used Mini Cooper-> Talk me into it?

I have known five individuals who owned Minis. Four admitted to regretting it. The fifth still liked his, but sold it when repair costs exceeded the car's value, with less than 100k on the odometer.
by acanthurus
Mon Mar 20, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: Schwab: Is There Ever a Bad Time to Invest?
Replies: 22
Views: 3387

Re: Schwab: Is There Ever a Bad Time to Invest?

I'd love to see the story of Bob's penpal Takashi-san.
by acanthurus
Tue Mar 14, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: FBI warns of Binary Options Fraud
Replies: 3
Views: 1061

Re: FBI warns of Binary Options Fraud

Funny how these sites popped up just as the unregulated and sketchy internet poker binge was waning. By funny I mean completely NOT coincidental. Open an account with as little as $10, you're really playing against the house which is scamming you, and good luck getting your money out and/or the whol...
by acanthurus
Tue Mar 14, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Help me pick a computer
Replies: 71
Views: 3695

Re: Help me pick a computer

My 9 year old Win7 computer (Core2 Duo, 8GB ram) just got a cheap SSD and Linux installed on it. I'm good for another few years. Linux has gotten stupid simple to install and run, much better experience than when I tried it ten years ago.
by acanthurus
Tue Mar 14, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Best non-Vanguard home for my 2016 t-IRA
Replies: 12
Views: 721

Re: Best non-Vanguard home for my 2016 t-IRA

Schwab does a hard credit pull to verify identity.
by acanthurus
Thu Feb 16, 2017 3:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard personal advisor gone AWOL
Replies: 3
Views: 1174

Re: Vanguard personal advisor gone AWOL

I think Vanguard is swamped right now. I'm in the middle of a Roth IRA rollover and it has never taken this long before in the 5 or 10 previous rollovers I've done. I started a Roth rollover in late January and the funds will be available to invest next week, so it will be roughly four weeks from i...
by acanthurus
Thu Jan 26, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Balancing out a taxable account liquidation?
Replies: 18
Views: 1394

Re: Balancing out a taxable account liquidation?

Funny you say that. I am in process of switching to Merrill just for the free trades. I was going to also do free ETF's in Roth there too but I want to open Vanguard for that. I'm not sure how long I'm going to stay with Merril and I saw they have a lot of transfer fees per account. quick question:...
by acanthurus
Thu Jan 26, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 72
Views: 6517

Re: Upgrade button on Vanguard IRA

I upgraded my traditional and Roth IRAs last year as well as opened a new taxable brokerage account. So far I haven't had any complaints, other than the website still isn't as trader-friendly as my other brokerages. But I do my Boglehead style investing at Vanguard, so that's hardly an issue.
by acanthurus
Thu Jan 26, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Balancing out a taxable account liquidation?
Replies: 18
Views: 1394

Re: Balancing out a taxable account liquidation?

My first question was going to be "do you have any low income years coming up"? :wink: Personally I'd sell the entire portfolio, but there's no immediate need to. If there's a way to minimize taxes because of life circumstances I'd take advantage of it. 5-6K in cap gains tax is small tuiti...
by acanthurus
Wed Jan 25, 2017 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Fund vs ETF?
Replies: 5
Views: 587

Re: Vanguard Fund vs ETF?

I am much more comfortable with mutual funds for large (>100K) orders. I don't want to be worrying about level 2 order books or bid ask spreads or trade execution or NAV discount/premium, especially with more thinly traded ETFs. The one thing that annoys me is the (very) few VG funds that only have ...
by acanthurus
Wed Jan 25, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard not answering the phone
Replies: 20
Views: 1960

Re: Why is Vanguard not answering the phone

I had to call twice this week regarding an IRA transfer and each time the wait was 1-2 minutes :| Both calls were during normal business hours.
by acanthurus
Wed Jan 25, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Balancing out a taxable account liquidation?
Replies: 18
Views: 1394

Re: Balancing out a taxable account liquidation?

What are the individual holdings and the approximate value of each? For NEW investments I am fully in favor of index funds. But I think sometimes some people are too eager to liquidate already held stocks with a lot of gains. Depending on your portfolio it may make sense just to leave it be and put ...
by acanthurus
Mon Jan 23, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Is Little League Slowly Dying? [Should my kids play this year?]
Replies: 38
Views: 4252

Re: Is Little League Slowly Dying?

It's got to be the most boring sport on the planet for the majority of kids who play. I played growing up and it was alright because I played first base and batted cleanup. My friends who pitched or played shortstop and also batted at the top of the lineup also had a good time. Everyone else that wa...
by acanthurus
Tue Jan 17, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Tax forms for newly opened brokerage account
Replies: 25
Views: 1648

Re: Tax forms for newly opened brokerage account

Please wait. Then wait some more for the corrected forms. Then wait even more for the corrections to the corrected forms. After all, we're talking about Vanguard here. I file in October after filing for an extension in April. Everybody should do that. is it really that bad with Vanguard? i prefer n...
by acanthurus
Wed Dec 28, 2016 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest from short-term position
Replies: 7
Views: 608

Re: Tax loss harvest from short-term position

I believe one would have had a loss also with a muni tax-exempt bond fund, too. There have been many threads of folks asking about tax-loss harvesting muni bond funds. And if one has equities in a tax-deferred account, then by-definition, the growth was not tax-free, it was tax-deferred. The OP sho...
by acanthurus
Wed Dec 28, 2016 8:42 am
Forum: Investing - Theory, News & General
Topic: Picking Individual Stocks Is Dangerous
Replies: 58
Views: 5740

Re: Picking Individual Stocks Is Dangerous

An honest question for Mr. Larimore:

Had Kiplinger's picks tremendously outperformed the broad market, would you have even made this post? And if so what would have been your conclusion?
by acanthurus
Wed Dec 28, 2016 1:23 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest from short-term position
Replies: 7
Views: 608

Re: Tax loss harvest from short-term position

If you had a loss on VBILX, then it probably was best to have it in a taxable account this year :beer Enjoy the tax savings and the tax-free growth your equities had in your retirement accounts :moneybag Run the numbers though and be sure you're holding it in the right place in the future. Beware of...
by acanthurus
Wed Dec 28, 2016 12:29 am
Forum: Personal Consumer Issues
Topic: TV in the bedroom?
Replies: 82
Views: 5655

Re: TV in the bedroom?

I use two separate picture settings for the TV in my bedroom, one for daytime viewing and one for nighttime viewing. The nighttime setting is quite dim and helped a lot with my ability to fall asleep after watching a movie. If I were planning on a bedroom TV, I would keep it on the smaller side (40&...
by acanthurus
Sat Oct 29, 2016 12:14 am
Forum: Personal Consumer Issues
Topic: Where to go for blood tests (w. no insurance)
Replies: 22
Views: 2498

Re: Where to go for blood tests (w. no insurance)

I've never used them myself, but a friend who is type 1 diabetic and a small business owner has had good things to say about DirectLabs. I think he's on an ACA plan now and not sure if he still uses them.
by acanthurus
Fri Aug 12, 2016 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Drivers License # for health records?
Replies: 18
Views: 1738

Re: Drivers License # for health records?

SSN is just needed so they can report you to collections. http://www.consumerreports.org/cro/news/2015/02/why-you-shouldn-t-giver-your-doctor-or-hospital-your-social-security-number/index.htm Only give SSN to your insurer. Don't give anything you want kept private to a care provider. I would consid...
by acanthurus
Fri Aug 12, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Drivers License # for health records?
Replies: 18
Views: 1738

Re: Drivers License # for health records?

SSN is just needed so they can report you to collections. http://www.consumerreports.org/cro/news/2015/02/why-you-shouldn-t-giver-your-doctor-or-hospital-your-social-security-number/index.htm Only give SSN to your insurer. Don't give anything you want kept private to a care provider. I would conside...
by acanthurus
Fri Jul 29, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Need advice, dealer sold me wrong year golf cart
Replies: 35
Views: 2623

Re: Need advice, dealer sold me wrong year golf cart

Jack FFR1846 wrote:Trade it for a Harley. Much cooler.


I like you. But Diavels are cooler still :)

I agree with the people saying to return it, especially given documentation stating you were sold a 2012.
by acanthurus
Mon Jul 18, 2016 12:07 pm
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 4751

Re: Electric Scooter?

Yup, this thread went all over the place. Hey joebh, Please consider that you've got people with different experience levels responding to you. Let's ignore all that and try and figure out what might be best for your wife. 1) Does she have any previous two-wheeled experience? Bicycle, electric bicy...
by acanthurus
Mon Jul 18, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 4751

Re: Electric Scooter?

It's time to slowly reread the original post and reconsider your advice (emphasis added): Serious question - what do you ride? Mine's a little older. Cool, I have a Specialized too! Rockhopper to be specific. It didn't impart any knowledge to me about ICE powered two-wheelers though. Perhaps yours ...
by acanthurus
Mon Jul 18, 2016 10:36 am
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 4751

Re: Electric Scooter?

whaleknives wrote:It's time to slowly reread the original post and reconsider your advice (emphasis added):


Serious question - what do you ride?
by acanthurus
Sun Jul 17, 2016 11:40 pm
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 4751

Re: Electric Scooter?

The thread is kinda all over the map, but if I was looking at a small motorcycle, this one is pretty cool: https://www.kawasaki.com/Products/2017-Z125-PRO# . It's Kawasaki's answer to the Honda Grom. Yes -- we've gone from a 49-cc scooter to a 125-cc motorcycle. :D Not a lot of difference between a...
by acanthurus
Sun Jul 17, 2016 11:27 pm
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 4751

Re: Electric Scooter?

Used entry level motorcycles will dominate in any of these comparisons (except for maybe maintenance - oil changes and chain cleaning). Honda Grom, Kawaski Z125, even a used Honda CB300F - all of these are great motorcycles and would be fine for "around town" speeds. You can eke out 70mpg ...
by acanthurus
Sun Jul 17, 2016 10:50 pm
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 7751

Re: What's up with 4K tv? Should I buy one?

The data rate comes into play when you want to stream the compressed audio format over your home network. For example, streaming from your PC to a DVD player that can handle FLAC files. The data rate goes crazy high, which can bog down your home network. Here's what you didn't say. If the FLAC orig...
by acanthurus
Sun Jul 17, 2016 10:24 pm
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 7751

Re: What's up with 4K tv? Should I buy one?

Panasonic plasmas were great (brother owns one). LG OLED panels are better IMO but are still really new and pricey. If you care about image quality, go check them out. I think you can get a standard 55" 1080P panel for $3K MSRP. I would buy any OLED panel before any "4K" LCD panel, de...
by acanthurus
Sun Jul 17, 2016 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Traits of Happiest Retirees
Replies: 82
Views: 13049

Re: Traits of Happiest Retirees

I guess I "retired" last year at 36 after getting laid off. Low seven figure net worth, single (never married), no kids, LCOL area. I'm not sure if I'll re-enter the workforce or pursue part time consulting in the future (have had offers from two previous employers), but I have no interest...
by acanthurus
Sat Jul 09, 2016 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Large ETF order questions
Replies: 9
Views: 866

Re: Large ETF order questions

Hello Have a look at the document "Debunking myths about ETF liquidity", from AM JPmorgan that you can find in the 'General information about ETFs' sidebar on the Wiki ETF page . Regards, Thank you, this seems to be an excellent paper. I had always thought of ETF liquidity as being relate...
by acanthurus
Sat Jul 09, 2016 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Large ETF order questions
Replies: 9
Views: 866

Re: Large ETF order questions

I would suggest using a limit order in case there is a significant change in price while executing the order. I have bought into ETFs using similar amounts, and always used a market order. I never had a problem, but it is best to use a limit order just in case. The only ETF I recognize in your list...
by acanthurus
Sat Jul 09, 2016 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Large ETF order questions
Replies: 9
Views: 866

Large ETF order questions

I have $300k I would like to lump sum invest into 2-3 ETFs. The money is in a brokerage account at one of the bigger retail brokerages. Are there any issues with purchasing up to 200k USD of an ETF like SPY, AGG, LQD, or TLT? I've never traded ETFs in amounts over 25k per order and don't know if the...
by acanthurus
Thu Jul 07, 2016 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Where can I buy SPY (ETF) [commission-free, fee-free]
Replies: 11
Views: 1222

Re: Where can I buy SPY (ETF) [commission-free, fee-free]

SPY is a little unique among the SP500 index funds. First, it's by far the most liquid, most heavily traded, with the smallest bid/ask spread, with the largest AUM of any ETF in existence. Two, it's structure is as actually as a UIT, which I believe prevents the fund from engaging in securities lend...
by acanthurus
Tue Jul 05, 2016 12:02 am
Forum: Personal Consumer Issues
Topic: Any motorcyclists here? - First road trip
Replies: 33
Views: 2707

Re: Any motorcyclists here? - First road trip

...Yes, statistically motorcycle riding is more dangerous than driving a car. How are the stats skewed by riders that were intoxicated, not wearing a helmet, engaging in foolish or reckless riding et-al? Except for the lack of a helmet, probably not a lot more than the same stats for people who dri...
by acanthurus
Mon Jul 04, 2016 11:38 pm
Forum: Personal Consumer Issues
Topic: Any motorcyclists here? - First road trip
Replies: 33
Views: 2707

Re: Any motorcyclists here? - First road trip

If you've taken an approved safety training course, have a valid license, do not speed, are wearing a helmet, and are not riding while legally intoxicated - you have eliminated the majority of the risk factors for fatal accidents. Other than that do your best to watch out for the 5000lb death missil...

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