Search found 113 matches

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: 35
Views: 1917

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: 991

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: 3256

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: 4483

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: 5121

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: 3256

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: 1026

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: 3425

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: 626

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: 1144

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: 1355

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: 6317

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: 1355

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: 558

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: 1900

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: 1355

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: 3968

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: 1548

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: 577

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: 5570

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: 577

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: 5245

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: 2430

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: 1713

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: 1713

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: 2573

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: 4545

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: 4545

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: 4545

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: 4545

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: 4545

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: 7580

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: 7580

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: 12924

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: 839

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: 839

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: 839

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: 1143

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: 2627

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: 2627

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...
by acanthurus
Mon May 23, 2016 9:48 pm
Forum: Personal Consumer Issues
Topic: Ineffective/Dangerous Sunscreens
Replies: 34
Views: 3183

Re: Ineffective/Dangerous Sunscreens

I have always had good experiences with No-Ad brand, which I see made the "approved" list on the Clark Howard article. You can also use many weather websites to look at the current UV index to gauge your risk at your location any given time of day. The US Government provides guidelines for...
by acanthurus
Sat May 07, 2016 5:12 pm
Forum: Personal Consumer Issues
Topic: Has your workplace transitioned to "open/collaborative space?"
Replies: 85
Views: 8714

Re: Has your workplace transitioned to "open/collaborative space?"

I saw this destroy productivity in an R&D department at one job. It was a brilliant move if management's goal was to justify gutting the group. We had guys that would scour the Outlook calendar for unused conference rooms and go camp there with their laptops for two to four hours at a time so th...
by acanthurus
Wed May 04, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 14457

Re: Sci-Fi ... your favorite movies and episodes??

Miyazaki's first big anime hit was a post apocalyptic science fiction movie adaptation of a manga called Kaze no Tani no Nausicaa (Nausicaa of the Valley of the Wind). Strong themes of environmentalism with a princess that's not exactly out of the Disney mold (she's a pacifist that can handle a gun ...
by acanthurus
Tue May 03, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 84
Views: 11425

Re: WOW fantastic Cars in the Wild

There is a world of difference between a sportster and something like a BMW S1000RR - you are talking about something that weights 25% more and has half the power. That's analogous to comparing a Chrysler Town & Country with a Ferrari. My actual track time in exotic sports cars is very limited,...
by acanthurus
Sun May 01, 2016 11:10 pm
Forum: Personal Consumer Issues
Topic: Visiting Austin TX
Replies: 14
Views: 1384

Re: Visiting Austin TX

If you are into beer, you will want to hit up Rainey Street some weekend night when you're downtown, and Jester King Brewery out on the southwest side of town the next day. Get the Dak Bulgogi at Bangers on Rainey if you like spicy food. Esther's Follies was a good show back when I lived there, but ...
by acanthurus
Sun May 01, 2016 9:39 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 84
Views: 11425

Re: WOW fantastic Cars in the Wild

I'd have more fun in full leathers on an S1000RR, but that is an awesome car.
by acanthurus
Sat Apr 16, 2016 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: What is not to like about iShares Core Total USD Bond Market?
Replies: 19
Views: 2913

Re: What is not to like about iShares Core Total USD Bond Market?

Image

I thought this might be helpful in the discussion of whether high-yield corporate bonds should be treated as a separate asset class from investment grade. Baa/BBB is the lowest quality considered investment grade, correct?
by acanthurus
Sat Apr 16, 2016 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Postnuptial agreement for Physician
Replies: 94
Views: 7879

Re: Postnuptial agreement for Physician

I love how people worry about a few basis points on expense ratios and the negative convexity of mortgage backed securities in total bond funds, but a double digit percent chance of losing half your stuff after a decade or more of work is apparently somehow acceptable risk. Marriage is a contract. I...

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