Search found 4133 matches

by inbox788
Tue Nov 07, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with single state muni fund?
Replies: 8
Views: 688

Re: What to do with single state muni fund?

If you knew you would be holding on to these for the next 10 years, would it change your mind as to what to do? I've been sitting on a single stock that has appreciated quite a bit for many years. I now wish I had simply taken the tax hit at the beginning and diversified into total market fund. Ever...
by inbox788
Tue Nov 07, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 29
Views: 2534

Re: $500 Windows Laptop

I guess I should add I am a heavy excel user and I take a lot of photos, typically more than 10,000 a year. I have an older desktop with 2 screens that isn’t going away. The main driver of this search are the 2 faults of the chromebook I'm typing on. 1) The low resolution screen and 2) the difficul...
by inbox788
Tue Nov 07, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest my emergency fund?
Replies: 29
Views: 3074

Re: Should I invest my emergency fund?

I pushed half my emergency fund (about 3 months out of 6 month expenses) into taxable account invested in intermediate term municipal bonds. Figure it's unlikely to be used and should return a little more than 1% savings account. I'm considering keeping about 1 month in cash/savings and the rest in...
by inbox788
Fri Nov 03, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: Buffett "Key Indicator" near dangerous all-time high...
Replies: 73
Views: 8871

Re: Buffet "Key Indicator" near dangerous all-time high...

Why would we tie US stock performance (determined by global business activity) to only the US GDP? Why tie stock valuation to GDP at all? I don't see a fundamental connection here, just a number. Like PE or the gold standard, it's something that seems linked for a time, but can be unlinked without ...
by inbox788
Fri Nov 03, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 52
Views: 3322

Re: Giving up on Quicken? (and expense tracking software altogether)

I gave up long ago. Just wasn't worth the time and effort.
by inbox788
Fri Nov 03, 2017 3:31 am
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 242
Views: 19466

Re: Yahoo! Quote Not Working

2. Google Finance does not update mutual fund prices until late in the evening. (Someone in another forum said after 10 PM.) So if I want to look at my spreadsheet in the evening, I have to manually enter mutual fund prices. As of 8:45 PM, Google Finance is still returning yesterday's mutual fund p...
by inbox788
Fri Nov 03, 2017 3:11 am
Forum: Investing - Help with Personal Investments
Topic: Should I invest my emergency fund?
Replies: 29
Views: 3074

Re: Should I invest my emergency fund?

I pushed half my emergency fund (about 3 months out of 6 month expenses) into taxable account invested in intermediate term municipal bonds. Figure it's unlikely to be used and should return a little more than 1% savings account. I'm considering keeping about 1 month in cash/savings and the rest in ...
by inbox788
Fri Nov 03, 2017 3:03 am
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 29
Views: 2534

Re: $500 Windows Laptop

I'm looking for a laptop I can use around my house. Is this a good option? What else would you suggest considering? What are you going to be doing around the house? I mostly use an iPad or Chromebook. Sometimes, I wish it could be a little faster, but nearly instant on, lightweight and long battery...
by inbox788
Fri Nov 03, 2017 2:12 am
Forum: Personal Finance (Not Investing)
Topic: Lease New Car?
Replies: 38
Views: 4343

Re: Lease New Car?

I just did the math on my Subaru. When I bought it I could have leased for $300. Making it cheaper unless I kept it for over 6 years. Now I owe $26k and probably upside down 1-2k. So if I turn in now, leasing would be cheaper, at the 3 year mark. While the difference may not be that much, your math...
by inbox788
Wed Nov 01, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Cheap low speed unlimited data
Replies: 16
Views: 1462

Re: Cheap low speed unlimited data

plenty of people reselling hotspots on ebay which are signed up on someone's plan for unlimited verizon 3G (only around 1MBps) for $5/month. i have one for backup/travel. Interesting option. It does seem like a bit of a gray area and sooner or later 3G service will get discontinued. My cursory scan...
by inbox788
Wed Nov 01, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: Sell in May and go away - not this year?
Replies: 20
Views: 4024

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

Market is up 8.3% in the past 6 months. Guess this year was another instance where "sell in may and go away" didn't work. It seems many folks are NOT reading main point of the article. It is was not supporting selling May 2017. Or 2018, but only in May 2019. The jury is still out on this one. Wheth...
by inbox788
Wed Nov 01, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Cheap low speed unlimited data
Replies: 16
Views: 1462

Re: Cheap low speed unlimited data

One option is Tello Mobile. 500mb of 4G LTE and no minutes/text for $9 per month. Data is throttled to 64kbps after 500MB is gone. "Enjoy 4G LTE: unlimited data usage, speed throttled down to 64kbps once you use up your plan's data amount." Pandora, at least, can stream at 64KBPS. They have an even...
by inbox788
Tue Oct 31, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Cheap low speed unlimited data
Replies: 16
Views: 1462

Cheap low speed unlimited data

What's the cheapest unlimited low speed data plan out there? My main usage will be browsing, email, texting/messaging, maps, and downloading apps/content. If it can stream a radio station or music, all the better. Cricket Wireless has a $30 plan with 1GB of High speed data and "speeds reduced after ...
by inbox788
Mon Oct 30, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 97
Views: 6975

Re: Is it difficult to switch from an iPhone to an Android?

The headphone jack really shouldn’t be an issue for me but it is for my daughter. She wears headphones quite often and constantly fails to charge her batteries so quite often she is using her Samsung while charging her phone with a portable charger and listening to headphones all at the same time. ...
by inbox788
Sun Oct 29, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 97
Views: 6975

Re: Is it difficult to switch from an iPhone to an Android?

I’m really annoyed Apple did away with the separate headphone jack. My feelings are somewhat irrational because I don’t use them that often but that still bugs me. I have a iPhone 6 which works fine other than battery dies in a heartbeat. I’m not sure what I’ll do next. Maybe upgrade to a 7 when th...
by inbox788
Sun Oct 29, 2017 12:44 am
Forum: Investing - Theory, News & General
Topic: Investing Inheritance Late in Cycle
Replies: 27
Views: 3021

Re: Investing Inheritance Late in Cycle

OK, pay off the mortgage instead. Especially if concerned about valuation. I agree! Why give up free money in 0% loan? The loan is a guaranteed return, and gives OP flexibility as to future order of purchase and sale of property. It also releases monthly obligation that can be applied to future inv...
by inbox788
Sat Oct 28, 2017 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18512

Re: Early-retired 35 year old with $1 million

not saying you can't make it work... but if you want to decrease lifetime risk.. making a little money for a few years, and not spending out of your 1 million will really reduce your longevity risk. THink about it this way.. 35 with 1 36 with 1.05 37 with 1.1 Not that you have to work super hard......
by inbox788
Sat Oct 28, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 97
Views: 6975

Re: Is it difficult to switch from an iPhone to an Android?

I promised Mrs. letsgobobby a new phone, including the iPhone X if she wants it. She’s been on apple phones forever and curently has a 6 with battery degradation issues. It seems like the X is a sharp looking device, but many claim the top Android phones offer more for the (same) money. I won’t con...
by inbox788
Sat Oct 28, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: we're going to get hit with taxes next year, help please
Replies: 21
Views: 2216

Re: we're going to get hit with taxes next year, help please

Next year we're going to get hit hard with taxes. Last year we got solar which wiped out a chunk this year. We were going to get an electric car which would have helped next year but decided to wait to buy one next year. Wife and i both have pensions. What are our options? We've donated as much as ...
by inbox788
Sat Oct 28, 2017 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Maintaining AA with uneven incoming cash flow
Replies: 11
Views: 893

Re: Maintaining AA with uneven incoming cash flow

I think I calculated the ESPP tax right. Here's what I did, with the dates/prices normalized to simplify the example. 1/1/2015 - ESPP Offering Price Set - Stock Price @ $10 1/1/2017 - ESPP Purchase @ $8.50 (15% discount on $10 Offering Price). FMV is $80 this day TODAY - 11/1/2017 - Current Price i...
by inbox788
Sat Oct 28, 2017 6:01 pm
Forum: Investing - Theory, News & General
Topic: How do I compute year to date returns?
Replies: 10
Views: 1120

Re: How do I compute year to date returns?

Accurate YTD returns are difficult to calculate, not because of the math, but the accounting. Correctly tracking the dates of additional transactions is too tedious for me, so I don't bother, but I assume the calculations coming out of my brokerage and Vanguard are correct, but limited. I just took ...
by inbox788
Fri Oct 27, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Maintaining AA with uneven incoming cash flow
Replies: 11
Views: 893

Re: Maintaining AA with uneven incoming cash flow

The ESPP is worth around 20% of my total portfolio. It's a S&P 500 company. It's all be held under a year, and the cost basis is only about 10% of the ESPP value. It will get taxed as income, which is ~47%. If I hold until it is Qualified, around 1/2 in March 2018 and 1/2 in Sept 2018, that drops t...
by inbox788
Fri Oct 27, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Fix or replace my vehicle
Replies: 33
Views: 1548

Re: Fix or replace my vehicle

Current car: 18 year old SUV. 215,000 miles....It's been a real maintenance headache for the 7 years that I have owned it. There has been only short periods where it's been working 100%, the rest of the time something has been broken on the vehicle. I've spend about $10,000 repairing the vehicle ov...
by inbox788
Fri Oct 27, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Index investing is boring
Replies: 63
Views: 5557

Re: Index investing is boring

To quote a friend of mine, boring is good. Not Gordon Gekko. I need a bulk (core) of my investments to be boring. Otherwise, my heart couldn't handle all the rest of the excitement. My spec fund is having a really bad day today (down 6%), but when it represents less than 5% of my positions, and the...
by inbox788
Thu Oct 26, 2017 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help in understanding my performance.
Replies: 42
Views: 4021

Re: Help in understanding my performance.

A friend of mine thinks I am doing myself a disservice by not using a consultant (she uses Edward Jones and another); though I am trying to educate myself, and like the idea of index funds (and like the commission-free ETFs offered by TDAmeritrade; and yes, am aware of the upcoming changes). That's...
by inbox788
Thu Oct 26, 2017 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: HSA worth it in this case?
Replies: 7
Views: 911

Re: HSA worth it in this case?

Most likely yes. How much will you save in premium going from gold to bronze? What changes to benefits, deductibles and copay? You can shelter and invest up to $6900 in HSA. I put 100% in TSM for health expenses in retirement.
by inbox788
Thu Oct 26, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Maintaining AA with uneven incoming cash flow
Replies: 11
Views: 893

Re: Maintaining AA with uneven incoming cash flow

How significant is the ESPP? What percentage of your portfolio? Are you understanding the tax implications correctly? Particularly with grant dates and ordinary income vs. capital gains? Most RSU grants have limited benefit holding long term. Is the employer an SP500 company? Or small/micro Cap? As ...
by inbox788
Thu Oct 26, 2017 9:00 pm
Forum: Investing - Theory, News & General
Topic: Do Investors really underperform their investments
Replies: 45
Views: 3769

Re: Do Investors really underperform their investments

Unclescrooge: What is the name of your "High-cost inactive index fund has outperformed your low cost index fund over the past decade?" Thank you and best wishes. Taylor I misread original as active fund not index fund. What is a inactive index fund or active index fund anyways? AFAIK, an index fund...
by inbox788
Thu Oct 26, 2017 7:52 pm
Forum: Investing - Theory, News & General
Topic: Do Investors really underperform their investments
Replies: 45
Views: 3769

Re: Do Investors really underperform their investments

I thought that all of the investors collectively owned all of the securities at all times. If that's the case, I don't understand how the investors collectively can do better or worse than the relevant markets, at least before taxes and management and transaction costs. True. But often some asset c...
by inbox788
Thu Oct 26, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Dad's portfolio. He's 92.
Replies: 3
Views: 709

Re: Suggestions for Dad's portfolio. He's 92.

I wouldn't make any sudden changes. First step would be a 6 month emergency fund and 2-3 years living expenses. They may already have these with SS and pension, and no mortgage. So the invested funds are either travel funds or for estate planning. Are they still able to travel? They should travel as...
by inbox788
Thu Oct 26, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Short term investment of 4-5 years
Replies: 6
Views: 539

Re: Short term investment of 4-5 years

I would just lump it all in my AA and forget about it. Who knows when you'll buy the house, and cars may last you longer than 4 years. Also, if the low interest rate environment continues, it may be cheaper to lease or finance a car as it's been for the better part of a decade.
by inbox788
Thu Oct 26, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: Do Investors really underperform their investments
Replies: 45
Views: 3769

Re: Do Investors really underperform their investments

Let's just admit it. Eight years into a bull market we're all above average investors :mrgreen: I don't understand why many folks think it's only with bull markets that low cost indexing outperforms. The expense fees apply even in bear markets, and lower fees mean less losses. Active investing and ...
by inbox788
Thu Oct 26, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: 2M savings investment help
Replies: 45
Views: 8315

Re: 2M savings investment help

OP, IMO, you're in the weeds. The actual funds you pick don't matter, as long as their decent. https://www.whitecoatinvestor.com/150-portfolios-better-than-yours/ Figure out your current AA and desired AA and work your way towards that. As someone else already suggested, invest $100k/month or so at ...
by inbox788
Thu Oct 26, 2017 1:38 am
Forum: Personal Consumer Issues
Topic: No true pay as you go [cellphone plan]
Replies: 63
Views: 5169

Re: No true pay as you go [cellphone plan]

What are your usage patterns/needs? Knowing that might give us more insight and provide guidance. Almost no minutes or texts. 500 MB data a month. Ting and StraightTalk do not offer ability to pay 1 year in advance Tracfone is very flexible with their rollover voice/text/data. I have over 2000 minu...
by inbox788
Wed Oct 25, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy Analysis
Replies: 53
Views: 2673

Re: Whole Life Policy Analysis

Here’s the correct “investment” calc: Surrender value in 2017 minus surrender value in 2016 minus premium paid in that policy year. Then take that number and divide by the 2016 surrender value. That’s what is growing at ~2.7% tax deferred. As long as that exceeds other equivalent risk alternatives,...
by inbox788
Wed Oct 25, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: When to buy a new car
Replies: 10
Views: 1014

Re: When to buy a new car

OP, is 46 your age? How old is your kid sister? (closer to 18, 30 or 45? In other words, how much life experience does she have?) How much does she make and can she afford a new or newer car? I wouldn't want my kid sister's car to break down in a big city late at night. As far as the current car, di...
by inbox788
Wed Oct 25, 2017 2:57 am
Forum: Personal Finance (Not Investing)
Topic: Should I Wait to Buy a Home?
Replies: 16
Views: 2511

Re: Should I Wait to Buy a Home?

I suspect that a lot of the high end market is less mortgaged than the entry level or middle market. Quite frankly I expect a lot of grumbling from a lot of parties with a vested interest in the mortgage interest tax deduction but ultimately a very muted market response even if it did come to pass....
by inbox788
Wed Oct 25, 2017 1:37 am
Forum: Investing - Theory, News & General
Topic: Do Investors really underperform their investments
Replies: 45
Views: 3769

Re: Do Investors really underperform their investments

Let's just admit it. Eight years into a bull market we're all above average investors :mrgreen: I don't understand why many folks think it's only with bull markets that low cost indexing outperforms. The expense fees apply even in bear markets, and lower fees mean less losses. Active investing and ...
by inbox788
Tue Oct 24, 2017 11:36 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrencies
Replies: 50
Views: 4565

Re: Cryptocurrencies

New York University professor of corporate finance and valuation Aswath Damodaran argues that bitcoin is a currency, but it is still not that practical for transactions. Separately, Damodaran wrote in a blog post Tuesday that "bitcoin is not an asset, but a currency, and as such, you cannot value i...
by inbox788
Tue Oct 24, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Wait to Buy a Home?
Replies: 16
Views: 2511

Re: Anyone Holding Off on Buying a Home?

Personally, I would like to see the mortgage interest deduction go away anyways. It does little to nothing for the majority of folks out there. When housing prices go down, people often just hold on for a recovery, so sales volume tanks. http://journal.firsttuesday.us/sales-volume-a-powerful-magnet...
by inbox788
Tue Oct 24, 2017 12:08 pm
Forum: Investing - Theory, News & General
Topic: Building very high net worth
Replies: 81
Views: 8257

Re: Building very high net worth

The doctor path? Not sure about that. It isnt just salary, it is hours worked. So they start with 200k-400k in debt, then enter a low paying job as a intern.resident for 5-6 years AND work 80 hours a week for 50-60k. Isnt that equivalent to making 25-30k in a 40 hours a week job (they work 80). The...
by inbox788
Tue Oct 24, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Bond Options
Replies: 9
Views: 1207

Re: Bond Options

I'm a fan of VCADX in taxable. I've been finding that if you correctly make tax adjustments throughout all your decisions, it's a fairly moot point where things are kept. Any perceived difference is really a function of altering AA because of failure to take into account taxes. I do what's convenien...
by inbox788
Mon Oct 23, 2017 11:25 pm
Forum: Personal Consumer Issues
Topic: Honda Accord LX with no transmissin dipstick
Replies: 31
Views: 2431

Re: Honda Accord LX with no transmissin dipstick

My advice if you are a diy person is to do a series of 3 or 4 AT pan drain and fills (likely 3 quarts per drain and fill) every 50-60k miles. Be sure to measure how much AT fluid drains out and replace the same amount so you don't overfill the AT. Seems to be a bit excessive. Not really if you're o...
by inbox788
Mon Oct 16, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: What are your best car battery purchase options?
Replies: 18
Views: 863

Re: What are your best car battery purchase options?

Costco for batteries. Sears used to have great DieHard batteries, but like everything else Sears-related these days, it's garbage now. A long time ago I actually worked in a Sears auto center. However, I agree completely with your sentiment. How far they have fallen. I remember when Sears was the p...
by inbox788
Sun Oct 15, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: HSA investment [use guaranteed 4% or use equities]
Replies: 22
Views: 1478

Re: HSA investment [use guaranteed 4% or use equities]

Aristoelian, you raise a great point - if I really do desire more equity exposure, I should first convert the $10k in total bond market over to equity since it's yield is significantly below 4%. That seems really obvious in hindsight Bingo! If it's not clear, I think you mean to keep the $20k inves...
by inbox788
Sat Oct 14, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 4019

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

Depending on circumstances, a accident victim may not win a case, but they could try http://newyork.cbslocal.com/2013/08/27/n-j-court-text-recipients-can-be-held-liable-in-texting-and-driving-accidents/ ...They sued not only the truck’s driver, but also the girl who was texting him. On Tuesday, a s...
by inbox788
Sat Oct 14, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing: Appraisal Value Lowered During Underwriting
Replies: 14
Views: 1162

Re: Refinancing: Appraisal Value Lowered During Underwriting

I have both the original appraisal and the, uh, "counter-appraisal." I did't read the latter in extensive detail, but it was clear that since all the properties in my area with comparable acreage also have horse farms, they dropped those completely, and comped mine against everything that was left ...
by inbox788
Sat Oct 14, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Citi Price Rewind iPhone 7 Did They Pay You?
Replies: 17
Views: 2332

Re: Citi Price Rewind iPhone 7 Did They Pay You?

The paper form for Citi Rewind works great. We don't even use the tracking website honestly. It is not hat they did not get my request the problem is they indicated they could not find a cheaper price. Again how can that happen since it is listed on the Apple Store at a lower price? I am thinking o...
by inbox788
Sat Oct 14, 2017 12:55 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 12172

Re: 100% in bond to wait for market crash?

Thanks JB, I believe the stock is overvalued, but it's not to the point that it's about to crash especially tax cut is coming. I hsve 95% stock now excluding cash, I will continue to monitor and see if I want to put the rest of the fund to stock or bond. Stock just like a rental property, over a ve...
by inbox788
Fri Oct 13, 2017 11:42 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 74
Views: 7363

Re: Larry Swedroe: Non-US Valuations Look Attractive

It appears the global growth fund has outperformed for almost 50 years. Is this just an anomaly? No, you're misreading the graph. Templeton outperformed the first 10 years, but Fidelity outperformed the next 40. What you don't see are the dozen Templeton funds that underperformed and were closed du...