Search found 283 matches

by anoop
Wed Feb 22, 2017 12:53 am
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 104
Views: 6913

Re: For people who think the market is going to crash, where along the continuum are we?

according to these charts: https://www.advisorperspectives.com/dshort/updates/2017/02/01/the-q-ratio-and-market-valuation-january-update we are somewhere in the mid-90's. so plenty of room. and no reason to believe the overvaluation won't persist longer and harder this time. why? the fed is not goin...
by anoop
Tue Feb 21, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Another advice thread
Replies: 3
Views: 378

Re: Another advice thread

$1M salary and private equity investments?? I need to get advice from you! i will answer the easy ones to the best of my ability. #1 - yes that's the general thinking. #2 - i don't think it makes a difference. fidelity may have a branch near you so you can get free coffee/water once in a while. :D #...
by anoop
Mon Feb 20, 2017 11:32 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 9644

Re: A note of caution from Robert Shiller

Just being real here about the thousands of comments I have read here when someone starts talking about timing the market.No big deal. The problem with market timing is that the evidence seems to strongly suggest that it's counterproductive. I think that this might be due to the way most who practi...
by anoop
Mon Feb 20, 2017 10:58 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 9644

Re: A note of caution from Robert Shiller

There are a lot of posters here who believe that you always just invest everything,no matter what has gone on in the market.It is always a great time to invest because it is a major offense to ever think of timing the market.That is one way to look at the world but there are others. Well that's the...
by anoop
Mon Feb 20, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should we purchase a $1 Million dollar home with all cash?
Replies: 43
Views: 5156

Re: Should we purchase a $1 Million dollar home with all cash?

The other option, now that you have increased cash and cash flow, is finding a better RENTAL property (not a property that the OP purchased for rental...) that is more expensive than current but meets your needs to live in. Invest the rest-- since OP didn't say that they would retire there. The pro...
by anoop
Mon Feb 20, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase a $1 Million dollar home with all cash?
Replies: 43
Views: 5156

Re: Should we purchase a $1 Million dollar home with all cash?

Invest the 1.5m, move to the midwest, purchase a 250K home that will be 3x bigger than the 1m home in the bay area. Live happily ever after. How many startups get acquired in the mid-west relatively speaking? How many people move to the Bay Area hoping to make it big and end up being worse off? The...
by anoop
Fri Feb 17, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 44
Views: 3492

Re: How long do you keep your kitchen sponge?

I change it every week or so (no washing, just discard the old one), but this discussion makes me wonder if I'm using it too long.
by anoop
Thu Feb 16, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need an agent to buy a home?
Replies: 18
Views: 1200

Re: Do we need an agent to buy a home?

+1 to finding an agent that will agree to give you a rebate on commission. Agents and the brokers they work for typically don't like to do this, as you can imagine, but if you look hard enough you should be able to find someone. Google hungry agents, there's a website. Redfin agents seem to charge ...
by anoop
Thu Feb 16, 2017 12:10 am
Forum: Personal Consumer Issues
Topic: Subaru Forester - Harsh ride
Replies: 21
Views: 2318

Re: Subaru Forester - Harsh ride

You have to live in an area with bad roads to be able to answer the question. :)

https://www.washingtonpost.com/news/won ... 83b0a0d115

Seriously, almost any car feels too harsh around where I live.
by anoop
Tue Feb 14, 2017 1:35 am
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 51
Views: 4172

Re: Insane Bloodwork Cost (Quest Diagnostic)

I don't know how to get straight answers from the doctors or insurance guys, but I have taken the test options/cost from this site in to the doctor with me. The doc allowed me to choose this lab (local sites across country) so I knew the costs up front. It may not be a proper BH way, but we have HD...
by anoop
Sat Feb 11, 2017 2:42 am
Forum: Personal Consumer Issues
Topic: Preferred "disk cloning" software?
Replies: 43
Views: 3201

Re: Preferred "disk cloning" software?

guitarguy wrote:Ahh...another reason I love my MacBook.

No software required. :twisted: :mrgreen:


+1

I did it with the Mac OS X's Disk Utility.
by anoop
Sat Feb 11, 2017 2:26 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 10
Views: 1238

Re: New mattress

Two unconventional options:
https://www.airweave.com/collections/mattresses
http://somniumbeds.com/
Would like to try them but haven't had the chance to.
by anoop
Fri Feb 10, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest- fear of crash
Replies: 58
Views: 4203

Re: When to invest- fear of crash

If you have enough money to take care of your needs using exclusively fixed income, there is no reason to take any risk at all. I think that is totally consistent with the Boglehead philosophy. The three fund portfolio is just a strategy that happens to work for most people. There is no such thing ...
by anoop
Fri Feb 10, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest- fear of crash
Replies: 58
Views: 4203

Re: When to invest- fear of crash

Wow. I am in the same boat as the OP. Glad to see I have company. :D

I am close to 100% cash and CDs.

Is there such a thing as a fixed income Boglehead? Some who doesn't care for market timing but also doesn't care to be invested in stocks?
by anoop
Thu Feb 09, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 33
Views: 2461

Re: Worth it to get 300 Mbps internet?

You (and the majority of US consumers) are getting ripped off by cable and telephone service providers. We pay 45€ per month for an all inclusive package of 200Mbps fibre optic connection + unlimited international calling + basic TV + my iPhone plan with 20GB of 4G data. This is the result of some ...
by anoop
Thu Feb 09, 2017 12:54 am
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 33
Views: 2461

Re: Worth it to get 300 Mbps internet?

I feel like I'm getting ripped off. I pay $95/month for 100 Mbps which tested at 73 down and 12 up.
by anoop
Mon Feb 06, 2017 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Should we participate in ESPP?
Replies: 11
Views: 894

Re: Should we participate in ESPP?

Anoop - yes, you are correct that we could end up buying shares on a day when the FMV is less than the ESPP price. Hence why this ESPP does not seem very attractive to me. But likewise, we could buy when the discount is more favorable than 15%. In any case, many employees like it because they are d...
by anoop
Mon Feb 06, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Should we participate in ESPP?
Replies: 11
Views: 894

Re: Should we participate in ESPP?

The way you have described it, it sounds like the offering price is 15% off today's price and stays that way even if the FMV is below that on the day of purchase. If that is the case, then I would not participate. If instead I am guaranteed at least 15% off the FMW, then I would participate and take...
by anoop
Mon Feb 06, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 9644

Re: A note of caution from Robert Shiller

At the bottom of this page here: http://www.zvibodie.com/marketindicatorsview we have: http://www.multpl.com/ It's not as bad as the dot com bubble. Also dshort.com has said that periods of under- and over-valuation can persist for many years. If you are a true boglehead, you pick an asset allocatio...
by anoop
Mon Feb 06, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: Too good to be true? [Bogleheads' model of index investing]
Replies: 48
Views: 5622

Re: Too good to be true?

I am very much sold on the Boglehead model of index investing, and have been practicing it for the majority of my (short) time in the market. However, I often find myself thinking about the old adage "If it sounds too good to be true, it probably is." Well, is it? Our method is low-cost, ...
by anoop
Mon Feb 06, 2017 3:20 am
Forum: Personal Finance (Not Investing)
Topic: MasterCard World Elite Concierge Service usefulness?
Replies: 3
Views: 626

Re: MasterCard World Elite Concierge Service usefulness?

I doubt their services are about getting the best deal. It's more about convenience. But I am also curious to hear experiences.
by anoop
Mon Feb 06, 2017 1:57 am
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 270
Views: 40728

Re: Any books really change your outlook on life?

many lives, many masters by brian weiss.
by anoop
Sun Feb 05, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Buying our first place - 27 and 30
Replies: 6
Views: 687

Re: Buying our first place - 27 and 30

We definitely see our earnings going up. I have a lot of growth potential around the DC area as a financial government contractor, and I could see my income alone going up substantially over the coming decade. Going up to $500k would be my preference, and I think we could easily afford it, especial...
by anoop
Sun Feb 05, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buying our first place - 27 and 30
Replies: 6
Views: 687

Re: Buying our first place - 27 and 30

You can easily afford it. Rule of thumb is for house price to be around 2.5 to 3.5 times income. Usually that has to be at the higher end in HCOL areas, so at ~2, you are well within that. Do you see your earnings going up a fair amount? If not, I would stick close to $400k because inflation tends t...
by anoop
Sun Feb 05, 2017 3:02 am
Forum: Investing - Theory, News & General
Topic: Good Backdoor Roth Vid. The end is nigh?
Replies: 5
Views: 1349

Re: Good Backdoor Roth Vid. The end is nigh?

Fidelity had an article on the backdoor Roth but it looks like they have removed the article.
by anoop
Sun Feb 05, 2017 2:45 am
Forum: Investing - Help with Personal Investments
Topic: What fund would you add in this record-high market?
Replies: 17
Views: 2489

Re: What fund would you add in this record-high market?

You could try looking at the what the Ivy Portfolio says.
https://www.advisorperspectives.com/dsh ... end-update
Right now, it is signaling a buy for stocks, but to move bonds to cash.
by anoop
Sun Feb 05, 2017 2:09 am
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 61
Views: 4725

Re: Does anybody else out there still pay for an email address?

I pay for Fastmail (fastmail.com). Have a family plan, and my own domain. Well worth it. Fastmail doesn't scan my email like google and friends, and the prying eyes of the US gov't can't read my mail, since it is stored in Australia, which doesn't allow foreign spying on email. Not that my email is...
by anoop
Fri Feb 03, 2017 3:51 am
Forum: Personal Finance (Not Investing)
Topic: Another can I afford this $2M house thread...
Replies: 70
Views: 6961

Re: Another can I afford this $2M house thread...

This guy is far from a gloom and doom blogger. In fact, he has been very positive since March 2009. But this post, where he seems concerned about coastal housing prices, reminded me of the discussion on this thread, so I decided to share it: http://www.calculatedriskblog.com/2017/02/some-random-conc...
by anoop
Wed Feb 01, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Another can I afford this $2M house thread...
Replies: 70
Views: 6961

Re: Another can I afford this $2M house thread...

Ah. The bay area budget. You should focus on cash flow. Assumptions: - 20% down on $2.3mm house at 3.9% 30 year fixed. - $300k loan at 3.0% 30 year fixed - Property tax rate of 1.3% - Insurance of $1600 per year - maxing out 401k, HSA, FSA, backdoor roth - mortgage interest deduction on $1.1mm loan...
by anoop
Wed Feb 01, 2017 2:55 am
Forum: Investing - Theory, News & General
Topic: Stock market optimism
Replies: 38
Views: 3941

Re: Stock market optimism

There are a lot of weird things going on with the market. - Many companies are goosing their earnings by stock buybacks and paying a lower tax rate. - Many companies are using debt for stock buybacks. http://wolfstreet.com/2016/12/20/share-buybacks-q3-q2-2016-dive-most-since-financial-crisis/ - Numb...
by anoop
Tue Jan 31, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: What are the safest Bonds after US Treasury Bonds
Replies: 27
Views: 2897

Re: What are the safest Bonds after US Treasury Bonds

If you assume that the US financial system doesn't collapse completely, with the dollar becoming valueless, then it is hard to say which is safer: Treasuries or bank accounts. I put them on par. The advantage with treasuries is that one doesn't need to spread the money over different accounts to ge...
by anoop
Tue Jan 31, 2017 2:15 am
Forum: Investing - Theory, News & General
Topic: What are the safest Bonds after US Treasury Bonds
Replies: 27
Views: 2897

Re: What are the safest Bonds after US Treasury Bonds

Once you go to international bonds, there's also currency risk.
by anoop
Tue Jan 31, 2017 2:06 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for Purchasing a House
Replies: 21
Views: 2360

Re: Strategy for Purchasing a House

Pajamas wrote:
snowshoes wrote:Million dollar homes crack me up, their primarily purchased to impress other people.(imo)


Depends on where you live. A two bedroom apartment that cost $1,000,000 around here would only impress anyone because of how cheap it is.


That one cracked me up. :D
by anoop
Fri Jan 27, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax is playing games again.
Replies: 52
Views: 9408

Re: TurboTax is playing games again.

^ Thanks. It looks like it only covers federal, though, not state.

I found out that many local stores, e.g. office depot, will price match amazon.
by anoop
Fri Jan 27, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Pay Your Monthly Bills?
Replies: 42
Views: 3612

Re: How Do You Pay Your Monthly Bills?

First, if your mail is being stolen, you have a bigger problem than that of finding a good way to pay bills. Not sure how I would tackle that one. To answer your question, I use credit cards when I can, and online bill pay for everything else. My bank sends a physical check to the recipients mailing...
by anoop
Thu Jan 26, 2017 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax is playing games again.
Replies: 52
Views: 9408

Re: TurboTax is playing games again.

rrppve wrote:You can get TurboTax Premiere free as a download if you're a Fidelity customer with sufficient assets.


How much is sufficient?
by anoop
Sun Jan 22, 2017 9:27 pm
Forum: Investing - Theory, News & General
Topic: Fed Rate [may go] to 3% - [investing consequences?]
Replies: 85
Views: 9054

Re: Fed Rate to 3%

3 years from now is a long time. personally I do not believe the overnight rate will be 3% in 2019. I am planning to buy my usual allocation of EE bonds this year (3.5% over 20 years) and almost nothing she could say would change my mind about it. If we think in terms of simple interest, which is h...
by anoop
Sun Jan 22, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: 2017 Portfolio review - Advice welcome
Replies: 22
Views: 1378

Re: 2017 Portfolio review - Advice welcome

Why not try to earn some return on your emergency fund of $93k in cash? Perhaps break that fund down into traunches. The first 1/3rd, the one you are most likely to draw upon, keep in a high interest rate bank account, the second 1/3 place in a ultra-short, interest-rate hedged bond fund such as MI...
by anoop
Wed Jan 18, 2017 3:31 am
Forum: Personal Consumer Issues
Topic: Rental car--new windshield crack
Replies: 14
Views: 1584

Re: Rental car--new windshield crack

Would a credit card pay for such damage?
by anoop
Sun Jan 15, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: Why not put it all in TIPS?
Replies: 87
Views: 5275

Re: Why not put it all in TIPS?

Zvi Bodie wrote a very interesting book entitled Worry-Free Investing , published in 2003, which explored the possibilities of relying very heavily on TIPS for retirement investing. You can buy the book here for $5. http://www.zvibodie.com/buy+book And he has a bunch of other stuff on his website. ...
by anoop
Sat Jan 14, 2017 1:54 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank - Is this a safe/best place to stash some cash?
Replies: 68
Views: 7674

Re: Ally Bank - Is this a safe/best place to stash some cash?

PenFed is another fine alternative. They have attractive rates, in some cases better than Ally. Still have some of the 5-year 3% CDs at PenFed, but their CD rates have not been competitive the last few years so haven't been buying CDs from PenFed for awhile. Just checked, and to my surprise, their ...
by anoop
Sat Jan 14, 2017 1:51 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank - Is this a safe/best place to stash some cash?
Replies: 68
Views: 7674

Re: Ally Bank - Is this a safe/best place to stash some cash?

Does Vanguard offer brokered CDs?

IMO, that's the best option. You will find better rates offered there and you won't need a new account.
by anoop
Wed Jan 11, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6777

Re: Laundry lifestyle creep

Earl Lemongrab wrote:
anoop wrote:Miele and Asko machines both have internal heaters that are capable of heating the water. Miele IIRC will heat it up to 165 celcius while Asko is even higher.

Hope you meant F not C there.


Yes. Thanks for catching that.
by anoop
Wed Jan 11, 2017 2:36 am
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6777

Re: Laundry lifestyle creep

This statement does not make sense for several reasons. Washing Machines First, washing machines (traditional or high efficiency, top or side load) do not heat water. They are not supposed to. They accept domestic cold and hot water, and mix appropriately to obtain the final temperature. You wouldn...
by anoop
Sun Jan 08, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: 401k vs Roth 401k
Replies: 11
Views: 741

Re: 401k vs Roth 401k

MindTheGAAP wrote:So you'd argue that based in TX (no income tax at state level) and in 25% MR, one should take the tax deduction now?


That's the bet I'd make.
by anoop
Sun Jan 08, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about backdoor roth IRA
Replies: 7
Views: 879

Re: Confused about backdoor roth IRA

I currently max out my 401k and also get employer matching. Because of my income I am not eligible to contribute to Roth IRA. I would like to contribute an additional $4000-5000/year to my retirement. At first, I was thinking of doing a backdoor roth IRA. However, after reading the tax implications...
by anoop
Sun Jan 08, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: 401k vs Roth 401k
Replies: 11
Views: 741

Re: 401k vs Roth 401k

The Roth 401k doesn't have the withdrawal benefits of the Roth IRA. So you would have to wait till 59 1/2 to access the money. If someone is investing in a Roth 401k they are betting that taxes will be higher when they retire. IMO, unless one has one's life mapped out in terms of earnings, savings, ...
by anoop
Sun Jan 08, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6777

Re: Laundry lifestyle creep

While I won't say if this is good or bad, this is a place you can hang out with other laundry enthusiasts:
http://ths.gardenweb.com/forums/laundry
It doesn't matter how much you're spending on your laundry, there will be someone outspending you.
by anoop
Sun Jan 08, 2017 2:18 pm
Forum: Investing - Theory, News & General
Topic: "Yield surge: Remember the real role of bonds"
Replies: 50
Views: 6139

Re: "Yield surge: Remember the real role of bonds"

rrppve wrote:I sleep well at night with the majority of my fixed income in CDs and Stable Value Funds. Just wish they paid more than 2-3%.
Seem to me to offer much better risk reward than bond funds.


Which stable value fund offers 2-3%? The one in my 401k plan is paying about 0.5%.

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