Search found 2836 matches

by inbox788
Thu Dec 08, 2016 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Help deciding between stock options and restricted stock
Replies: 6
Views: 320

Re: Help deciding between stock options and restricted stock

... in 2017, the rate will be 26%. If I were to receive 1000 options, I could choose to receive 260 restricted shares instead. The other main differences between the options and restricted stock are the following: Vesting Schedule: Options invest over 5 years at 25%/year, while Restricted Shares ve...
by inbox788
Thu Dec 08, 2016 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Options Help
Replies: 17
Views: 812

Re: Stock Options Help

I received 25,000 stock options at a current valuation of $4.75/share. The "plan/goals" for next year is to grow revenue within the entire company by 60% (this is a realistic number as we are growing fast) and move to 3 new markets. So I would assume by the end of next year the share pric...
by inbox788
Thu Dec 08, 2016 4:14 am
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 148
Views: 14003

Re: Retirement with $8M in investments

"The costs of basic food, clothes, and the like just isn't high enough to burn through more than 100k." Here is some of the reality: real-estate tax-85k, housekeeper-45k; electric, gas, water and cable for 6 properties- 90k; maintenance (including landscaping) on 6 properties (65k); Insur...
by inbox788
Thu Dec 08, 2016 1:24 am
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 33
Views: 2991

Re: Buy iPhone 7 or Wait for iPhone 8

Agree that it depends on what you are upgrading from. I recently upgraded my wife from a 5 to a 7 - IMHO the larger screen and the much improved camera (the first non-Plus model with optical image stabilization) make it worthwhile for her. But for me the loss of the headphone jack is big, so i will...
by inbox788
Wed Dec 07, 2016 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: Simplyfying to 1-Fund Portfolio?
Replies: 13
Views: 1377

Re: Simplyfying to 1-Fund Portfolio?

The tradeoff with target date and/or life strategy funds is you get the worldwide stock diversification, but have to have 20 something percent in international bonds. The return of international bonds has done better than the total US bond index fund this year. ... I think you have much more divers...
by inbox788
Wed Dec 07, 2016 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a 2016 Honda CRV EX -- the best out the door price I have found is $25,875.20 -- is this reasonable?
Replies: 22
Views: 1622

Re: Purchasing a 2016 Honda CRV EX -- the best out the door price I have found is $25,875.20 -- is this reasonable?

2017 Honda CR-V gets a super sleek makeover https://www.cnet.com/roadshow/videos/2017-honda-cr-v-gets-a-super-sleek-makeover/ Sorry to point out all the things you're not getting in a 2016, but use the information to negotiate a better price. Keep telling the salesperson what you're not getting and ...
by inbox788
Wed Dec 07, 2016 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a 2016 Honda CRV EX -- the best out the door price I have found is $25,875.20 -- is this reasonable?
Replies: 22
Views: 1622

Re: Purchasing a 2016 Honda CRV EX -- the best out the door price I have found is $25,875.20 -- is this reasonable?

You should be able to get an EX-L for not much more than $26k. The 2017 models are here, and they have lots of 2016 left overs. Wait till Dec. 30 or 31 and you'll get a terrific deal.
by inbox788
Wed Dec 07, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: Computer Backup Ideas
Replies: 51
Views: 3867

Re: Computer Backup Ideas

By using OneDrive, it is arbitrary (I think) which you consider the primary and which the secondary repository of your data. I think Microsoft wants you to look at OneDrive as an abstract "Data is available everywhere" concept. Is it that you do NOT want to be forced to keep it all on the...
by inbox788
Wed Dec 07, 2016 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Options Help
Replies: 17
Views: 812

Re: Stock Options Help

This company right now is about a $200M dollar company. Since I am in sales I will have direct impact on future growth, so they are giving me options to let me get compensated from my participation and I assume to keep me with the company for atleast the 3 year period. What is a fair amount of stoc...
by inbox788
Wed Dec 07, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Computer Backup Ideas
Replies: 51
Views: 3867

Re: Computer Backup Ideas

Sorry, I should have been more clear. I do not mean "backup TO the cloud", but make a backup of your cloud accounts? I am considering making the cloud my primary storage! I use Crashplan for backup. My OneDrive folder is included in the CrashPlan backup list. Is this what you are looking ...
by inbox788
Wed Dec 07, 2016 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: simulating wealth building effects of home ownership
Replies: 39
Views: 2445

Re: simulating wealth building effects of home ownership

The question is the expense of owning a home more or less than the expense of renting. Figuring that out over 1 year is easy. Doing it over 30 years, is impossible. That being said the OP is overthinking it. You choose to buy your housing by renting versus buying and then invest the rest. Trying to...
by inbox788
Wed Dec 07, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: Computer Backup Ideas
Replies: 51
Views: 3867

Re: Computer Backup Ideas

So do any folks backup the cloud? Carbonite which I utilize uses RAID 6 technology so your encrypted data is spread across 15 other drives allowing for hot swaps if a drive fails and there are three complete backups. Sorry, I should have been more clear. I do not mean "backup TO the cloud"...
by inbox788
Wed Dec 07, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Computer Backup Ideas
Replies: 51
Views: 3867

Re: Computer Backup Ideas

I've been pretty negligent with my backups and most of the important information (mainly photos) is backed up to external hard drives, usb drives, and sd/microsd cards. If/when I lose a system, it's been a big annoyance, but also an opportunity to upgrade to latest. Usually I can recover most all of...
by inbox788
Wed Dec 07, 2016 3:17 am
Forum: Investing - Help with Personal Investments
Topic: Letting go is proving hard to do...
Replies: 17
Views: 3658

Re: Letting go is proving hard to do...

In 2036 or so you might want to rotate out of healthcare ETFs and into death and funeral-related ETFs. There will be a big demand. If there are no such ETFs now, there will be. Great idea, but in 2036, I might be a customer! You'd think it's all priced in, but investors are so short sighted What is...
by inbox788
Wed Dec 07, 2016 3:16 am
Forum: Personal Consumer Issues
Topic: confused about HDMI cables
Replies: 18
Views: 1743

Re: confused about HDMI cables

Only 4k source currently going to the TV is youtube. How are you feeding youtube into your TV? The 4k video looks sharper than the HD cable video, but I'm not sure that either is as good as should be. Are you comparing 4k youtube videos to cable broadcast HD channels? Who's your cable provider? Our...
by inbox788
Tue Dec 06, 2016 7:28 pm
Forum: Personal Consumer Issues
Topic: confused about HDMI cables
Replies: 18
Views: 1743

Re: confused about HDMI cables

What screen size is your new 4k tv? Do you see any problems? If no, then what is the problem? Are you watching anything in 4k? Can you tell? If it looks good enough for you, I wouldn't worry about it. As far as HDMI-ARC, it sounds like it could be tricky, but you might not even be using it or have i...
by inbox788
Tue Dec 06, 2016 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 148
Views: 14003

Re: Retirement with $8M in investments

Now 2016, We are looking at what we can do with the excess funds that is beyond our minimum Income which is reasonably inflation protected while taking advantage of deflation gains. Having a Market drop 50% and stay down for 10 years would barely affect our Income. How do you have your retirement i...
by inbox788
Tue Dec 06, 2016 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Letting go is proving hard to do...
Replies: 17
Views: 3658

Re: Letting go is proving hard to do...

IMO, the healthcare run has a ways to go. My reasoning is demographics is driving the costs, and until the baby boomers are followed by a bust, the consumption of heathcare will continue to increase. Surely the baby boom demographic effects are priced in already. It is also likely that 20 million n...
by inbox788
Tue Dec 06, 2016 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Letting go is proving hard to do...
Replies: 17
Views: 3658

Re: Letting go is proving hard to do...

For how long do you want to continue betting on the health care sector not getting hit with significant underperformance? IMO, the healthcare run has a ways to go. My reasoning is demographics is driving the costs, and until the baby boomers are followed by a bust, the consumption of heathcare will...
by inbox788
Tue Dec 06, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 148
Views: 14003

Re: Retirement with $8M in investments

My net worth is 300k and I feel wealthy. I can't imagine having 14M and being miseryguts :oops: You've never had to choose between a Maserati vs Lamborghini have you? (neither have I) I'd imagine it would be just as difficult or more so than choosing between a [pick any 2] Honda/Toyota/Ford/etc. Th...
by inbox788
Tue Dec 06, 2016 1:06 pm
Forum: Investing - Theory, News & General
Topic: Should traders only BUY regardless of their TA ?
Replies: 11
Views: 877

Re: Should traders only BUY regardless of their TA ?

That said, I think everybody is misunderstanding the premise. I assume the hypothetical traders are trading stocks within a market (or maybe within an index), not the index itself. The point about the index going up is just to establish that the average return is positive within the market. Anyway,...
by inbox788
Tue Dec 06, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: Computer hacked. Next?
Replies: 15
Views: 1601

Re: Computer hacked. Next?

This is quite an effective scam for old people. Happened to my Mom too. My Mom refused to give the scammer a cc number so he said, well write me a check and hold it up to your computer camera and I'll take a picture of it and then he was able to cash it through some other service. We changed all im...
by inbox788
Tue Dec 06, 2016 12:16 am
Forum: Investing - Theory, News & General
Topic: Isn't Vanguard misleading investors with BNDX?
Replies: 11
Views: 1850

Re: Isn't Vanguard misleading investors with BNDX?

What Larry means and is true that this fund and all funds have costs in the fund to buy and sell, bid-ask, commissions (they use brokers too), and so on, including currency or whatever if that applies. Whether reported in the ER or not, these costs reduce the return of the fund. How large these cos...
by inbox788
Mon Dec 05, 2016 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Managing kids money
Replies: 30
Views: 2397

Re: Managing kids money

Other than that, I think your are better off not putting restrictions on the gift. They might put the money in ridiculous investments that generate unnecessary fees and taxes, but so what? It's more money than the kids would have without the gift. In most families, it's best for each spouse do deal...
by inbox788
Mon Dec 05, 2016 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Disputing fat hospital bill?
Replies: 33
Views: 3177

Re: Disputing fat hospital bill?

You have my sympathy. BTW, I had an hour long out patient procedure a couple of months ago. MY portion of the bill almost $2,500 ! :oops: The length of time is irrelevant. The providers are not paid by the hour and nobody is making $2500 per hour. I perform operations that take 30 minutes but the c...
by inbox788
Mon Dec 05, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on dealing with Amazon customer service
Replies: 28
Views: 2376

Re: Advice on dealing with Amazon customer service

Are you sure you actually placed the order? If it's a lightning deal, you could have missed the quantity available and you were placed on a waitlist. Or maybe it timed-out. Do you actually have an order confirmation? I think the more important point is whether the gift card was charged, and if the ...
by inbox788
Mon Dec 05, 2016 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 148
Views: 14003

Re: Retirement with $8M in investments

Dutch wrote:Did you take Social Security into account :D

seriously ....

ROTLF!

Backdoor Roth is a bit moot as well...yet I recall reading some thread here that some very high net worth individuals do it.
by inbox788
Mon Dec 05, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Want my employees to take over my company
Replies: 18
Views: 3223

Re: Want my employees to take over my company

...there is still a lot of angst floating around the company over this fake ownership that means nothing to anyone but a handful of people. Just my two cents. It's not a bad incentive/bonus for lower level employees if you choose to extend it to them as well, but don't let it be used as a way of ho...
by inbox788
Mon Dec 05, 2016 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 148
Views: 14003

Re: Retirement with $8M in investments

Owning a 2000 sq ft home in Manhattan is way above middle class. For the first quarter 2016, the average Manhattan apartment sale was about $2 million for about 1,200 sq ft. The median sales price was about half of that. http://ny.curbed.com/2016/4/1/11345882/average-cost-of-manhattan-apartment Yes...
by inbox788
Mon Dec 05, 2016 3:25 am
Forum: Personal Consumer Issues
Topic: Smartphone for a low techie
Replies: 18
Views: 1250

Re: Smartphone for a low techie

Another vote for iPhone. And also for getting a newer model (SE, 6S, 7) with at least 64GB memory. How old is husband? In any case, a newer model will last longer and avoid an upgrade in a short time. The 6S is probably the best choice since you already have one and will have the same newer function...
by inbox788
Mon Dec 05, 2016 3:07 am
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 148
Views: 14003

Re: Retirement with $8M in investments

If you were to retire today and used 2-3% SWR, you have and annual budget of around $280-420k/year. In SF and NYC, that's barely middle class. I don't want to get too far off topic, but those figures seemed curious (even for high cost of living cities) so I took a look at the statistics. In 2013, 8...
by inbox788
Mon Dec 05, 2016 2:44 am
Forum: Investing - Help with Personal Investments
Topic: Help placing limit order for BND
Replies: 45
Views: 2510

Re: Help placing limit order for BND

Just did the math. BND trades 2M shares a day or around 250,000 shares an hour, or 4000 shares a minute average. So yes, a 4000 share order will impact that minute, but just a bit. Doesn't hurt to break it up in to 2 or 4 orders, just in case. Math may not be helpful, but one can look at the 5-day ...
by inbox788
Sun Dec 04, 2016 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on dealing with Amazon customer service
Replies: 28
Views: 2376

Re: Advice on dealing with Amazon customer service

When an order is cancelled on Amazon, you usually get an e-mail, did you get something like that and what did it say? I've had orders on Amazon stealthy cancel on me. It's only after I followed up that I realized what happened, but they never fulfilled the order. It's poor customer service, but the...
by inbox788
Sun Dec 04, 2016 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 148
Views: 14003

Re: Retirement with $8M in investments

I'm 53yr old, have ~$8M in various mutual funds, stocks, ETFs, bond funds. House is almost paid off with no plans to move. 3 kids to put through college. Living in the SF bay area in a house valued at about $4M, and all this does not make us feel wealthy with a net worth over $14M (including a rent...
by inbox788
Sun Dec 04, 2016 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: $100,000 to invest; pay-off 2nd mortgage or invest all?
Replies: 38
Views: 2846

Re: $100,000 to invest; pay-off 2nd mortgage or invest all?

Really, a 1000% time riskier? I know its not secured, and that dividends are not guaranteed, but the likely hood of a large loss versus the potential of a higher return is the real question. Plus it has consistently paid the dividend, and with Trump and repubs in charge, and higher interest rates o...
by inbox788
Sun Dec 04, 2016 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: $100,000 to invest; pay-off 2nd mortgage or invest all?
Replies: 38
Views: 2846

Re: $100,000 to invest; pay-off 2nd mortgage or invest all?

I showed the three choices that I was given. In no way would I choose individual stocks. Choice two allows some diversity, but is riskier Choice one, which I am leaning on, is the safest. Except for my mortgages I have no debt. So let's start with this. Is the BAC/PRL far riskier than a 1.5% guaran...
by inbox788
Sun Dec 04, 2016 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help placing limit order for BND
Replies: 45
Views: 2510

Re: Help placing limit order for BND

I honestly don't know. The one thing I'm not seeing here so far is people saying things like, "When I place $300K trades, I do X". Lots folks here will have good suggestions based on actual experience on how to trade 100 or 200 shares of BND. 4000 shares may well be different. Just did th...
by inbox788
Sun Dec 04, 2016 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help placing limit order for BND
Replies: 45
Views: 2510

Re: Help placing limit order for BND

Your $300k is a drop in the bucket. You're not going to move the market. This is simply not true. $300K is a drop in the bucket for the day's trades, but for a few minutes that $300K worth of orders are in the order book, they are not a drop in the bucket. You think it would make more than a $0.02 ...
by inbox788
Sun Dec 04, 2016 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: $1M Investment Portfolio for Parents
Replies: 8
Views: 1624

Re: $1M Investment Portfolio for Parents

...their income is around 600k/year...don't plan to retire for at least another 5 years ... Ignoring tax consequences... 1) They don't need your help. This is a test to see how you handle the situation. 2) They show promise for another $3M in income in the next 5 years. 3) Estate taxes is a big con...
by inbox788
Sun Dec 04, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help placing limit order for BND
Replies: 45
Views: 2510

Re: Help placing limit order for BND

I would like to purchase $300K of BND on monday. I would like to do this via a limit order and would appreciate some help on the limit. I see that it closed at 80.72 and was thinking of placing the limit at 80. I don't really want to overthink this and in the long term I don't think that a tiny gai...
by inbox788
Sun Dec 04, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: the economics of Spinn coffee making
Replies: 28
Views: 2359

Re: the economics of Spinn coffee making

Least expensive Decent Espresso model is $999, according to the website, so it's not in the same ballpark. Spinn is $299 while they're accepting pre-orders (and theoretically $499 afterward). I realized after posting that another difference is Spinn is fully-automatic/superautomatic vs. Decent Espr...
by inbox788
Sun Dec 04, 2016 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: $100,000 to invest; pay-off 2nd mortgage or invest all?
Replies: 38
Views: 2846

Re: $100,000 to invest; pay-off 2nd mortgage or invest all?

mjposner - It seems there is some additional information left off for a whole picture, such as primary mortgage amount and that interest rate. What your current portfolio split is. e.g. let's say you have 90% of your wealth in real estate already or 90% in investments already would heavily influenc...
by inbox788
Sat Dec 03, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Walk me through donating appreciated shares (tax question)
Replies: 19
Views: 787

Re: Walk me through donating appreciated shares (tax question)

To answer your earlier question, this is where I found the minimums and ratios to be too high: https://www.bogleheads.org/wiki/Donor_advised_fund I do not consider 0.6% to be quite high. As for the fund expenses, one can use index funds in the DAF, so expense ratios would be extremely low. Also, I ...
by inbox788
Sat Dec 03, 2016 5:35 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 11101

Re: Anybody regretting holding on to your REITS?

The idea that a personal residence is part of the asset allocation of a retirement portfolio probably only makes sense if there is a need and explicit plan to somehow transform (through downsizing or reverse mortgage?) the value of the residence to cash to cover living expenses. Even then, my assum...
by inbox788
Sat Dec 03, 2016 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Walk me through donating appreciated shares (tax question)
Replies: 19
Views: 787

Re: Walk me through donating appreciated shares (tax question)

...if you donate shares you bought within the previous year (including reinvested dividends), you can only deduct what you paid for the shares, not the current value; it is better to sell such shares, pay the tax, and donate the cash if you want to donate to charity. Is that right? Bought shares fo...
by inbox788
Sat Dec 03, 2016 3:09 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Contest Inspired Brain Teaser
Replies: 15
Views: 918

Re: Boglehead Contest Inspired Brain Teaser

Assuming normal distribution: So in excel the chance of winning is 1 - normdist( 2620, 2398, 396, TRUE ) = .2875 Well it's all about the assumptions, isn't it? What if you switch from a Gaussian distribution to a Laplace distribution as suggested by this article? And in reality who knows? https://s...
by inbox788
Sat Dec 03, 2016 2:26 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 11101

Re: Anybody regretting holding on to your REITS?

No, just like the $4.5 Trillion in commercial real estate held by real estate developers, brokers, and long-term investors doesn't include individual residences. (I will caution again that the numbers we're discussing are dated, but they're probably still valid for illustrative purposes.) Interesti...
by inbox788
Sat Dec 03, 2016 4:20 am
Forum: Investing - Theory, News & General
Topic: Boglehead Contest Inspired Brain Teaser
Replies: 15
Views: 918

Re: Boglehead Contest Inspired Brain Teaser

One dollar!

Or 2200 * 1.09 = 2400!
by inbox788
Fri Dec 02, 2016 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Adviser Advice-FormulaFolios
Replies: 23
Views: 2063

Re: Financial Adviser Advice-FormulaFolios

This advisor recommended I put all of the windfall 750k in a fixed annuity called Athene Performance Elite Plus. I like the idea of the Premium Bonus, good cap rates and surrender schedule not bad. So you see lots of decisions and appreciate so so much all your help. I was not present when wife met...

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