Search found 3681 matches

by inbox788
Mon May 29, 2017 5:11 pm
Forum: Investing - Theory, News & General
Topic: Buffet - The Wrath of Ebit
Replies: 28
Views: 2932

Re: Buffet - The Wrath of Ebit

Some related notes; when folks talk about the PE of the SP500, do they usually mean GAAP earnings or non-GAAP? I've heard as high as 28-29 lately, though this site reports 25-26. http://www.multpl.com/ The difference shows up starkly when looking at price/earnings ratios. On a pro forma basis, the S...
by inbox788
Mon May 29, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Laptop Purchase at Costco?
Replies: 19
Views: 15976

Re: Laptop Purchase at Costco?

It's like any other purchase from Costco. You'll get a solid mainstream product at a fair price. You will be able to return it without hassle. You will not need to worry whether you are getting ripped off or not (you're not, they have a fixed markup range). Downside is selection - they normally onl...
by inbox788
Mon May 29, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: Any BH use Coinbase?
Replies: 21
Views: 1376

Re: Any BH use Coinbase?

I looked into using it this week. I wanted to make a purchase using Bitcoin. However, the run up recently has been crazy and I backed away. I was going to buy some for this purchase and future purchases, but I am worried about letting it sit there for any period of time given the volatility. Edit: ...
by inbox788
Mon May 29, 2017 1:52 am
Forum: Personal Consumer Issues
Topic: Does a new car purchase make sense?
Replies: 40
Views: 2925

Re: Does a new car purchase make sense?

One thing I would check is the IIHS safety ratings, especially the newer categories such as small overlap. Some cars have done surprisingly poorly, such as the 2014-2016 Corolla, which received a Marginal rating in that test. A lot of older cars (even just 5 years old) do really poorly on that test...
by inbox788
Sun May 28, 2017 6:37 pm
Forum: Investing - Theory, News & General
Topic: Eliminating Single Positions and Moving to Index Fund
Replies: 27
Views: 2669

Re: Eliminating Single Positions and Moving to Index Fund

...So to address one question above, I definitely feel like I've "won the game" and that I am very fortunate, but I don't want to be overconfident and ignore a low-lowside case. Once I retire, I want to stay that way. I started thinking about this because (1) recent inheritance and (2) I ...
by inbox788
Sun May 28, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Plans
Replies: 43
Views: 2775

Re: Medigap Insurance Plans

On a related note, anyone with HSA, what Medigap are you choosing if any? Is it still correct that HSA can be used to pay for Medicare premiums, but not Medigap? Does it make sense to load up HSA if you buy Medigap? HSA vs MSA? http://www.hsaconnect.com/hsa-health-savings-accounts/medical-savings-ac...
by inbox788
Sat May 27, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: California municipal / VCLAX
Replies: 15
Views: 1151

Re: California municipal / VCLAX

Just get the Investor shares VCITX. You're talking about less than $50/year. Or if you forgo the state tax issue (you might make up some/most of it up in yield), some brokerages have free Vanguard ETFs like VTEB https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=4391 How they ...
by inbox788
Sat May 27, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 107
Views: 8788

Re: Updates on the status of Linux

Said differently, the personal computer has passed its heyday; Linux is an OS for personal computers. The highlighted part of this statement is wildly inaccurate IMHO (no offense intended to the OP). Bottom line Linux is thriving, and in some segments dominant, on the server side and in the cloud. ...
by inbox788
Fri May 26, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 2512

Re: New car doc fees

SpringMan wrote:For what it is worth, 2017 Dodge Journey is the vehicle in question.

Are you saving more than the $4500 plus discount currently being offered? If you can get 10% off MSRP and the rebates, $6-7k below MSRP or more may be possible.

https://www.dodge.com/en/incentives/bonus_incentives/
by inbox788
Fri May 26, 2017 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Voyager Select vs Flagship
Replies: 23
Views: 2794

Re: Voyager Select vs Flagship

I am now Voyager Select. I could move $100K from my Ally savings account earning 1.05% to Vanguard prime mmf earning .97% and become Flagship. The difference in interest is less than $100/year. It would be a minor inconvenience to make the move. Vanguard doesn't offer the service that Ally does. Yo...
by inbox788
Fri May 26, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 11572

Re: Will cars be autonomous in three years?

I would find it incredible bordering on completely unbelievable that 8 years from now, there were no fossil fuel vehicles sold. I don't disagree with the notion that technology disruption is lightning quick, and that EVs and autonomous vehicles are the (eventual) future. But I still maintain it's n...
by inbox788
Wed May 24, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Strategy
Replies: 15
Views: 1724

Re: Investing Strategy

I'm really not too concerned with just selling all the stuff in the managed account now, it's made only about $8000 in the last few months, so I'll just imagine I got a nice $8000 bonus from work, and I'll pay the taxes to get out of the mess. Yes, what a mess with the managed account! You could ju...
by inbox788
Wed May 24, 2017 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest Church Money
Replies: 54
Views: 3740

Re: How to Invest Church Money

Is the $200k for the building part of the $500k originally mentioned or an additional amount? With regards to buying the building, you should probably do a rent vs own analysis like an individual and treat the building funds like a down payment would be. We have a total of $500k in the bank. $200k ...
by inbox788
Wed May 24, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest Church Money
Replies: 54
Views: 3740

Re: How to Invest Church Money

Whatever you do, avoid the sharks out there who will trying to sell you annuities, non-traded REITS, life insurance, actively managed mutual funds or asset management for an ongoing fee. These are mostly irrelevant since the account is owned by an organization, not an individual. I have been the tr...
by inbox788
Wed May 24, 2017 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Max a 529?
Replies: 8
Views: 846

Re: Max a 529?

I'd like to provide money for my child's college education. She's 5 now. I don't know if I want to fund it all, I'd like her to contribute some and not take out substantial loans. In addition to maxing retirement accounts, maintaining an emergency fund, no debt, etc, I've got $120K in taxable accou...
by inbox788
Wed May 24, 2017 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Trying to pay off student loans
Replies: 25
Views: 2446

Re: Trying to pay off student loans

Like DCChak indicated, it's going to save the same amount of interest over the life of the loans as they had the same interest rate, however, had one loan been paid off completely, the monthly minimum payment owed would only reflect one loan instead of two loans and so be roughly half as much as sh...
by inbox788
Tue May 23, 2017 12:07 am
Forum: Investing - Help with Personal Investments
Topic: Risk vs. Reward analysis on contributing to 529 when child is hypothetical
Replies: 16
Views: 922

Re: Risk vs. Reward analysis on contributing to 529 when child is hypothetical

If you've maxed out everything else, it's something to consider. You have to figure out if the gift tax is based on the cost basis or the value transferred. I would avoid using up the lifetime exclusion on this if you can since it seems you can use multiple transfers in 5 year intervals. If you're m...
by inbox788
Mon May 22, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Using guaranteed yield in life insurance policy
Replies: 9
Views: 827

Re: Using guaranteed yield in life insurance policy

Why doesn't it make sense to contribute as much as I can for a few years, earn good interest, and then cash out when convenient? Even if I only contribute a few thousand, and taking the $100 per year into account, this returns much better than bonds are likely to. I agree with those that say cash o...
by inbox788
Mon May 22, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Computing device for elderly relative
Replies: 34
Views: 1464

Re: Computing device for elderly relative

His long press issue is more that he thinks he is supposed to touch and hold rather than having physical issues with pressing. He doesn't seem to have problems with a keyboard. FWIW, a friend of mine has similar issues with touch screens. She'll press and jab repeatedly at the screen and it won't w...
by inbox788
Sun May 21, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Where to get oil change?
Replies: 35
Views: 2310

Re: Where to get oil change?

This makes no sense. If you put 4 new tires on a FWD car, the front tires wear faster than the rear. From the moment you drive it with new tires, the front will be worse than the rear. So how would you ever rotate? I think you rotate the tires at 7,500 - 10,000 miles moving the more-worn front tire...
by inbox788
Sat May 20, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: I'm having a freak-out moment (portfolio question)
Replies: 24
Views: 2385

Re: I'm having a freak-out moment (portfolio question)

As of today, I have $461,114.99 saved, broken down as follows: FCNTX (0.68%) = $91,803.31 VFTNX (0.12%) = $159,286.76 MSUSX (0.98%) = $210,024.92 The other funds available in my plan are: [*]Vanguard Institutional Index (VIIIX) (0.02%) [*]Vanguard Small Cap Value Index I (VSGIX) (0.06%) I would put...
by inbox788
Fri May 19, 2017 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity changed my AAPL to re-invest dividends, now I have a fraction of a share
Replies: 13
Views: 1041

Re: Fidelity changed my AAPL to re-invest dividends, now I have a fraction of a share

Chances are you tripped up and signed up unwittingly. These sites are full of gotchas and some sites are very aggressive about getting you to sign up for paperless statements. I've been tripped up more than once on these, where check boxes are automatically checked or not checked and if you're not c...
by inbox788
Fri May 19, 2017 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my ESPP
Replies: 19
Views: 1271

Re: Thoughts on my ESPP

What's the market cap of the stock (i.e. is it small, medium or large cap)? From the available information, it's something I'd do. Wouldn't turn down a 10% discount on top of a lower price guarantee for the risk of the stock falling. Only reason I'd stay away is if I believed the company was heading...
by inbox788
Fri May 19, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: Cheapest voice only, low minutes cell service
Replies: 11
Views: 1372

Re: Cheapest voice only, low minutes cell service

FreedomPop. It's free. http://www.freedompop.com/phone Ringplus threw in the towel. I wouldn't be surprised if Freedompop was next. I don't trust their business model or that they will stay in business. And I tried their service, and had a poor experience, so I don't trust being able to make phone ...
by inbox788
Fri May 19, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Using Plastiq?
Replies: 31
Views: 5541

Re: Using Plastiq?

From the subject, I mistakenly thought this was about plastique. :oops:
by inbox788
Fri May 19, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Where to get oil change?
Replies: 35
Views: 2310

Re: Where to get oil change?

From everything I have ever heard and read, on a front wheel drive car, the better tires go in the rear. https://www.tirerack.com/wheels/tech/techpage.jsp?techid=52 This makes no sense. If you put 4 new tires on a FWD car, the front tires wear faster than the rear. From the moment you drive it with...
by inbox788
Fri May 19, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Neighbor draining onto / flooding my patio and yard daily - what can I do?
Replies: 59
Views: 4749

Re: Neighbor draining onto / flooding my patio and yard daily - what can I do?

Looked at the pictures. Looks like grade runs into garage, which is very bad. Can't tell which way driveway goes, but appears to be fairly flat. Should have been graded either towards the street or towards the backyard, whichever is lower. In picture number 4 (IMG_4255), pooling towards the back of ...
by inbox788
Fri May 19, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: iPhone GPS apps
Replies: 15
Views: 1009

Re: iPhone GPS apps

Here WeGo is free and has offline maps, so you can still use it even if you can't get a cell phone connection. If you ever drive outside of big urban areas, this is well worth having. The company which produces it is owned by a consortium of German automakers who don't want to be dependent on Googl...
by inbox788
Fri May 19, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 31
Views: 4184

Re: IRS says I owe..I don't

https://www.irs.gov/individuals/get-transcript Get a tax transcript. You can sign up online and if you pass the tests, get almost immediate access. If not, you have to wait for a code to be mailed to you, which I had to do. Here's part of mine: Form 8606--Nondeductible IRAs (Occurrence #: 2) SPOUSE ...
by inbox788
Fri May 19, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 7541

Re: Which Small SUV for 15 Year Reliability?

Automakers, Government Agree Automatic Braking Will be Standard by 2022 http://www.nbcnews.com/business/business-news/automakers-govt-agree-automatic-braking-will-be-standard-2022-n540656 Note that as more cars have this technology, you'll find that risk transfers to the car following. Just like red...
by inbox788
Fri May 19, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 7541

Re: Which Small SUV for 15 Year Reliability?

Im not even trying to argue that these systems have no value. I agree they do. I just dont buy that they are necessarily MORE compelling than larger paradigm shifts in the past like radial tires, seatbelts, airbags, antilock brakes, etc. I find it interesting that for a group that obsesses of stati...
by inbox788
Fri May 19, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 7541

Re: Which Small SUV for 15 Year Reliability?

Number one. Distracted drivers are the number one cause of automobile accidents in the US. Cell phone, text message, eating food. Number two is caused by drunk driving. Number three is speeding. Number four is reckless driving (changing lanes too quickly/aggressive driving/speeding). ... Number sev...
by inbox788
Thu May 18, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 7541

Re: Which Small SUV for 15 Year Reliability?

Outside of cosmetics, more plastic, more computer chips on board - it still gets you from point A to point B. The "experience" may get updated every decade of so, but it's still just a car. If it was no longer able to operate on a road/highway/street - then we can talk about it being obso...
by inbox788
Thu May 18, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Neighbor draining onto / flooding my patio and yard daily - what can I do?
Replies: 59
Views: 4749

Re: Neighbor draining onto / flooding my patio and yard daily - what can I do?

What happens when it rains, absent your neighbor's sprinkler(s)? i.e. If things are graded properly, I would think the patio would slope/drain away from the detached garage. If it does not do so, then the neighbor's sprinkler(s) are a problem, but even normal rain would be a problem also... I admit...
by inbox788
Thu May 18, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Article: "Our emergency fund is exactly $0.00"
Replies: 73
Views: 7308

Re: Article: "Our emergency fund is exactly $0.00"

As I'm gaining financial security, I'm less concerned about the formal emergency fund. I used to commingle spending with emergency fund, so I was never a stickler about emergency fund. But I try to plan spending, so there are fewer emergencies. When I'm ready to buy something with cash, I increase t...
by inbox788
Thu May 18, 2017 12:35 am
Forum: Investing - Help with Personal Investments
Topic: VNQ vs Crowdedfunded Real Estate
Replies: 16
Views: 1326

Re: VNQ vs Crowdedfunded Real Estate

Also, any help finding a VNQ chart with dividends reinvested would be appreciated. I cannot get M*, Yahoo or Google Finance to do it, for some reason, despite having searched the forums. Look up a mutual fund first. Then add in VNQ to the chart. Not sure why ETFs on M* don't work the same way, but ...
by inbox788
Wed May 17, 2017 1:47 am
Forum: Investing - Theory, News & General
Topic: BRK.A/B a dangerous long term play?
Replies: 20
Views: 1829

Re: BRK.A/B a dangerous long term play?

Well BRK is not a mutual fund or a hedge fund. It's a conglomerate that has made a ton of money for it's investors based on the performance of it's management. Long term, it will preform as well as it's new managers perform (assuming they do not pivot from their strategy). BRK has certainly claimed...
by inbox788
Wed May 17, 2017 1:15 am
Forum: Personal Consumer Issues
Topic: Cars: Expense or Asset?
Replies: 84
Views: 4469

Re: Cars: Expense or Asset?

While he's no hero of mine, I like Robert Kiyosaki's take on asset/liability. Super simple. If it makes you money, it's an asset. if it costs you money, it's a liability. So, according to that, both your car, (save maybe uber drivers) and your primary residence are liabilities, not assets. as Mr. W...
by inbox788
Wed May 17, 2017 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Leaving money in MA teacher pension, but never planning to draw pension?
Replies: 18
Views: 1686

Re: Leaving money in MA teacher pension, but never planning to draw pension?

I don't understand why you don't want to roll it over into an IRA where you can invest according to your asset allocation (80/20?) where your expected returns over the next 30+ years will be >3%. This! I would take this bird in the hand. Whatever you think might lure you back to MA that you're tryi...
by inbox788
Wed May 17, 2017 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 34070

Re: Time to reach 1M and 2M milestones

I am curious what kind of portfolios got ppl from 1m to 2m in 3-4 years. Someone also posted that after a point, either 500k or 1m, internal growth becomes the major driving force of portfolios. Was the growth from 1m to 2m a result of additional contributions or just market performance? Don't know...
by inbox788
Tue May 16, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else agree with my logic on silicon valley housing?
Replies: 84
Views: 6744

Re: Anyone else agree with my logic on silicon valley housing?

It's a supply/demand imbalance, not a bubble. There are enough people with a lot of cash to buy the available inventory without excessive debt. There's no doubt in my mind that it will continue to be one of the fastest appreciating locations in the country. It keeps attracting large amounts of tale...
by inbox788
Mon May 15, 2017 1:35 pm
Forum: Investing - Theory, News & General
Topic: Please explain Gap insurance on a car
Replies: 11
Views: 777

Re: Please explain Gap insurance on a car

Generally, you don't need gap, but even if you do, in some cases there are others that provide gap or equivalent. I think Honda leases include gap insurance automatically. GAP coverage is standard on all Honda Leadership Leasing. http://www.hondafinancialservices.com/leasing/benefits Nationwide has ...
by inbox788
Fri May 12, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Help my friend give away his estate
Replies: 34
Views: 4042

Re: Help my friend give away his estate

I think, but am not sure, that people are missing the spirit of the OP's request. What the OP is seeking is a solution where the money can go to his friend's charities but the kids get the tax deduction. The OP is not seeking a solution where the kids can manage the donations over time to best meet...
by inbox788
Fri May 12, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Maximum Gain,swinging for the fences
Replies: 65
Views: 4559

Re: Maximum Gain,swinging for the fences

If your goal was to maximize potential gains :oops: with new investment dollars (without regard for loss) between today and 1/1/2021 what would you do with the :moneybag :moneybag :moneybag? 1) Invest 100% in Total Market 2) Invest 100% in Small Cap Value 3) Invest 100% in Emerging Markets 4) Inves...
by inbox788
Fri May 12, 2017 4:09 am
Forum: Personal Finance (Not Investing)
Topic: Are bank test deposits taxable?
Replies: 22
Views: 2297

Re: Are bank test deposits taxable?

Before they used to withdraw test deposits, I wrote a script to link and remove several accounts programmatically. I ended up "earning" $300-400 before the bank gave me a call and told me to cut it out. I stopped, I had fun though. It was one of my early coding experiments :) You're lucky...
by inbox788
Fri May 12, 2017 1:46 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund choice help?
Replies: 16
Views: 1239

Re: Bond fund choice help?

To avoid the limited bond offerings, I'd consider 100% in VT. Find other avenues to add bonds as much as possible, but I'd consider something between 100% stocks and 80/20 to be aggressive but acceptable for someone young. Have you exhausted all your typical tax advantaged space? tIRA, Roth, 529, HS...
by inbox788
Thu May 11, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 116
Views: 9946

Re: Did you buy SNAP?

Just to clarify for everyone: it's a joke (fake news). Thanks for pointing that out. I didn't mean to link to a fake news site, but did mean it as a joke. For those who don't know, Snapchat market cap lost nearly $5B! I think it was around $25B, now closer to $20B . Oh, and did they actually lose $...
by inbox788
Thu May 11, 2017 2:41 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 116
Views: 9946

Re: Did you buy SNAP?

A good friend of mine, who is a portfolio analyst at BNY Mellon, has told me he is thinking of picking some up in the hopes that it is bought by Facebook or Google. Yes there is some potential upside for SNAP the way it is, but it seems a lot of the price is the hope for a buyout. Facebook or Googl...
by inbox788
Thu May 11, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Defect in Vanguard Asset Mix Chart
Replies: 8
Views: 530

Re: Defect in Vanguard Asset Mix Chart

I ran into similar problem at another brokerage. I transferred out cash a day before everything settled, and something similar account/reporting caused an extra dollar or two to show up on my balance. I didn't realize what happened until 6 months later when I had a negative 2.xx balance in my accoun...

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