Search found 2411 matches

by inbox788
Sat Jul 23, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: help me with bonds
Replies: 34
Views: 2431

Re: help me with bonds

for me, probably 15 years until retirement unphased by both recent market crashes maybe I should be a little more scared hence this post I'm heavy in equities too, and have higher stress level, but held on tight during the two recent downturns, and because of it, I'm ahead of schedule. Greed vs fea...
by inbox788
Sat Jul 23, 2016 6:54 pm
Forum: Investing - Theory, News & General
Topic: Stock Merger Arbitrage
Replies: 6
Views: 557

Re: Stock Merger Arbitrage

If you're going to play this game, you're talking thousands or millions of shares. There's a lot of risks that you need to consider, and if you're having trouble with simple math ratios, you'll probably have difficulty with the other more complicated factors. There are lots of professionals in this ...
by inbox788
Sat Jul 23, 2016 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Owning A Medical Office
Replies: 2
Views: 396

Re: Owning A Medical Office

There is a case for both being an owner and a renter. Depends on your commitment to either. The goal of the landlord is to maximize profit on rent. As a renter, you want to minimize the rent. If you own the property, you have an inherent conflict of interest. You would want to raise your rent at the...
by inbox788
Sat Jul 23, 2016 3:54 pm
Forum: Investing - Theory, News & General
Topic: Observation :Will the market go a lot higher ? Most probably
Replies: 7
Views: 979

Re: Observation :Will the market go a lot higher ? Most probably

At this point in time the interest rates in some countries are negative on bonds newly issued. Just what happens if the rates go below zero here in the U.S. ? The pension plans have fixed payouts but if their income dwindles to nothing how will they be able to pay us? I believe they will go to lowe...
by inbox788
Sat Jul 23, 2016 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: How to maximize my ESPP
Replies: 4
Views: 381

Re: How to maximize my ESPP

Thanks for the reply. Actually, I can contribute up to full amount of my base salary after benefits and other deductions are withheld. But they will provide a maximum match of up to $5000 per year. So, in theory i could put in $33,333 per year and they would put in $5000 on top of that. I get paid ...
by inbox788
Sat Jul 23, 2016 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: How best to take advantage of 'Guaranteed Return" ?
Replies: 13
Views: 1066

Re: How best to take advantage of 'Guaranteed Return" ?

part of my portfolio is in a mandatory savings account and I get to choose how to invest that account. The account has a feature that guarantees 4.5% average annual return until I retire (in 10 years) Basically if the investment return is higher than 4.5%, I get all the returns. If the return is lo...
by inbox788
Fri Jul 22, 2016 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 126
Views: 7598

Re: How many folks choose to give inheritance to their children in unequal portions?

nisiprius wrote:Not me. Per stirpes all the way.


https://en.wikipedia.org/wiki/Per_stirpes

There's a case to be made for per capita by generation...
by inbox788
Fri Jul 22, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 49
Views: 3338

Re: World VCR production is ending next month. What to do with my old VHS tapes?

That is interesting. So, say that I never get some of these home movies transferred off VHS tape to any other format. Say, in fact, they get put into storage and passed down through my family. Fast forward, then to 100 years from today. Say my descendents discover these tapes and want to view them....
by inbox788
Fri Jul 22, 2016 4:24 pm
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 49
Views: 3338

Re: World VCR production is ending next month. What to do with my old VHS tapes?

DVD seems a far more robust and hence longer-lasting medium. DVD and Blu-Ray are already in their death spiral. Media servers and streaming are the current technologies. The cost point for DVD players is so low the quality is dropping. This happened to floppy drives about ten years ago. Many comput...
by inbox788
Thu Jul 21, 2016 6:52 pm
Forum: Personal Consumer Issues
Topic: Expensive car maintenance or allocate to next car fund?
Replies: 31
Views: 1517

Re: Expensive car maintenance or allocate to next car fund?

My car has 125,000 miles on it and I had planned to drive it until at least 150,000 miles, if not more. I’m faced with a car repair/maintenance bill of ~$2,000, which I can afford, but I am wondering if instead I should skip most of the repairs and add the $2,000 to the next car fund. Original cost...
by inbox788
Thu Jul 21, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 49
Views: 3338

Re: World VCR production is ending next month. What to do with my old VHS tapes?

I just read that the final factory producing VHS VCR's in the world will shut down production next month. Here is the article and a snippet: The last-known company still manufacturing the technology, the Funai Corporation of Japan, said in a statement Thursday that it would stop making VCRs at the ...
by inbox788
Thu Jul 21, 2016 3:41 pm
Forum: Personal Consumer Issues
Topic: Healthcare cost quotes (Not so simple)
Replies: 34
Views: 2177

Re: Healthcare cost quotes (Not so simple)

I'm curious how much money and manpower would be saved if we went to a single-payer system. Sometimes I wonder the same thing, but we value choice, and boy did we get what we asked for. A single-payer system would be awesome if there were a simple covered amount for 95% of the people, and a reasona...
by inbox788
Thu Jul 21, 2016 7:27 am
Forum: Personal Consumer Issues
Topic: Negotiating car insurance premium with Geico
Replies: 16
Views: 1106

Re: Negotiating car insurance premium with Geico

That's why I'm no longer with Geico. Shop around and see if you're getting a fair shake. FWIW, I recently got a quote with Geico and it was slightly less than what I was paying, but I decided it wasn't worth switching. However, some things changed and now my insurance is going up, so I will be getti...
by inbox788
Thu Jul 21, 2016 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway Class B
Replies: 42
Views: 3024

Re: Berkshire Hathaway Class B

TomatoTomahto wrote:We only own one share of an individual stock. :oops:


You just lost over $1000 on that share today!?!

219,187.00 Down 1,078.00(0.49%)
by inbox788
Thu Jul 21, 2016 7:09 am
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6583

Re: HOA Swimming Pool Trespassing Issue

Our HOA hired uniformed, off duty cops to provide security during the summer only, evening to early morning hours. That was what worked best after many failures and repeated trespassing and vandalism incidents. Our pool was exactly like yours with a too short fence and the roof of the pool house ac...
by inbox788
Thu Jul 21, 2016 6:45 am
Forum: Investing - Help with Personal Investments
Topic: 30% Wellesley combined with 3 Fund Portfolio advice
Replies: 6
Views: 885

Re: 30% Wellesley combined with 3 Fund Portfolio advice

Not sure why you're bothering with Wellesley at all if you're not satisfied with their US centric investments and you're bothered by the fixed income side. You're having to tweak a lot and that's unnecessarily complicated IMO. If it were only one component, you could max Wellesley on others and just...
by inbox788
Thu Jul 21, 2016 6:03 am
Forum: Personal Finance (Not Investing)
Topic: 15 Year vs 30 Year Mortgage + Student Debt
Replies: 13
Views: 1100

Re: 15 Year vs 30 Year Mortgage + Student Debt

Go with the 30-year and use the difference to aggressively pay down the student loans. +1 No brainer for me. I'd try to take out additional cash to pay down the student loan if you had enough equity, but there are tradeoffs to consider such as collateralizing debt and potentially losing benefits su...
by inbox788
Wed Jul 20, 2016 8:14 am
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 70
Views: 6144

Re: Why did the car salesman stop replying to my emails

Move on to another dealership or another car. Your choices are many. Or pay up for the car the have, but not recommended.
If you don't have other Honda dealers nearby, check out Camry, Malibu, Passat, Fusion, Altima, etc.
Or buy a used one and save yourself some cash.
by inbox788
Wed Jul 20, 2016 6:41 am
Forum: Personal Consumer Issues
Topic: Removing Broken Bolts
Replies: 45
Views: 2529

Re: Removing Broken Bolts

It may be too late since the head is off, but can you torch it?

https://www.youtube.com/watch?v=0x6yVVPx7Yo
by inbox788
Wed Jul 20, 2016 3:40 am
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway Class B
Replies: 42
Views: 3024

Re: Berkshire Hathaway Class B

Your article is behind a paywall so I can't see it. I am pretty sure that the Dividends Received Deduction (DRD) comes into play. There are many wrinkles to that law but in short it says you a 80% reduction on taxes from dividends. If you pull tax statements from your mutual funds you should see a ...
by inbox788
Tue Jul 19, 2016 2:54 pm
Forum: Investing - Theory, News & General
Topic: have we reached the tipping point in the active vs. passive battle
Replies: 43
Views: 4456

Re: have we reached the tipping point in the active vs. passive battle

I sold my last actively managed fund (Fidelity Contra Fund) this year. Fidelity recently raised the fees on it - and I decided it just was not worth it. If the fees had stayed the same, or were reduced - it might have been a tougher decision. I also got out of Contrafund, mainly because I felt it w...
by inbox788
Tue Jul 19, 2016 12:16 pm
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 3995

Re: Electric Scooter?

It's a Bafang BBS02 from Lunacycle with their 52v 11.5ah Panasonic PF Shark battery. http://lunacycle.com/hot-new/bafang-bbs02-750w-mid-drive-kit/ The range looks like it's heavily dependent on how fast you go and how much you pedal to help. On a partly hilly 14mi round trip averaging 17mph I used ...
by inbox788
Tue Jul 19, 2016 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway Class B
Replies: 42
Views: 3024

Re: Berkshire Hathaway Class B

But it doesn't pay any interest or dividends. Doesn't that make it a speculation rather than an investment? :confused Funny definition of "speculation", IMO. Investing in a well-managed company which doesn't pay dividends is essentially the same as reinvesting dividends in a mutual fund, ...
by inbox788
Tue Jul 19, 2016 7:40 am
Forum: Investing - Help with Personal Investments
Topic: How would you invest a $80K lump sum?
Replies: 10
Views: 1062

Re: How would you invest a $80K lump sum?

If I go with DCA, for how long should I spread out the in-flow, a quarter, a year? Several years ago, I invested the proceeds from a CD that was about the size you're dealing with. I split it into 3 or 4 chunks and put them in over a period of maybe 2 weeks. This was to smooth out the effects of da...
by inbox788
Tue Jul 19, 2016 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 Fund - Rate of return 2%!
Replies: 25
Views: 4154

Re: Vanguard Target Retirement 2055 Fund - Rate of return 2%!

The little asterisk on rate of return on my account says as of 6/30/2016. The fund is up about a percent since then. Come back next month or next quarter after it updates the date and see how things fare. Meanwhile, stay the course.
by inbox788
Tue Jul 19, 2016 7:08 am
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 3995

Re: Electric Scooter?

I converted a bicycle into an electric bike a month ago with a kit and I've been very impressed with it - I think the motors and batteries have come a long way in the past few years. My bike will go 30mph on flat ground (which is frighteningly fast), and can climb steep hills at 10mph. I'm enjoying...
by inbox788
Tue Jul 19, 2016 7:02 am
Forum: Personal Consumer Issues
Topic: Stinky Washing Machine [SOLVED]
Replies: 44
Views: 3931

Re: Stinky Washing Machine

I would use more bleach, especially if the smell is moldy in nature. Since the machine is on its way out, I don't see the harm. Double the amount of bleach or more and double time or over night. Agitate every so often. This covers the areas reached by the tub filling. If there are areas not reached,...
by inbox788
Mon Jul 18, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: When to Buy New Tires
Replies: 10
Views: 850

Re: When to Buy New Tires

I'll reiterate causes I've experienced with slow leaks. One time it was a dented rim, probably from running into a curb. It was barely noticeable, but enough to cause a slight leak that required frequent air fills. Another time, I found a nail, and it was there for a while before I was able to repai...
by inbox788
Mon Jul 18, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 3995

Re: Electric Scooter?

Yup, this thread went all over the place. I saw a local guy who imports 3-wheel electric scooters from China, refurbishes and sells them. They aren't exactly what we wanted, but I'm going to visit his shop and see what he's got once I get a chance. What state are you in? I thought CA had an under 5...
by inbox788
Mon Jul 18, 2016 9:53 am
Forum: Investing - Theory, News & General
Topic: Options trading
Replies: 33
Views: 1891

Re: Options trading

:D plan is to turn $500 to $5000 8-) Easier said than done. I quickly turned $500 into $1000, but not so soon after, it became $100, years later, it's about $2000. Overall, not a bad result, but it's been volatile, not unlike stakes at a poker table. With the popularity of Pokemon Go, Nintendo ADR ...
by inbox788
Mon Jul 18, 2016 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Scary thought. Running out of time to save for retirement
Replies: 60
Views: 6181

Re: Scary thought. Running out of time to save for retirement

I just did a thought experiment with some numbers, and came up with a scary thought. Due to TVM, the sum of money that I reasonably can save for retirement between today (age 37) and retirement will be less than what I saved from age 23 to today. If I save at a reasonably aggressive level, about 1/...
by inbox788
Mon Jul 18, 2016 8:55 am
Forum: Investing - Theory, News & General
Topic: What do you recommend for your emergency fund?
Replies: 25
Views: 2306

Re: What do you recommend for your emergency fund?

I keep $10,000 at Ally in their HYS (I also use Ally for my checking account, escrow/tax savings account, and a large-purchase fund in a savings account I use for travel and planned large expenses). I keep the remainder of my "liquid" emergency fund at Vanguard in my taxable account, 100%...
by inbox788
Mon Jul 18, 2016 8:39 am
Forum: Personal Consumer Issues
Topic: Where to buy Disneyland tickets
Replies: 11
Views: 1024

Re: Where to buy Disneyland tickets

DisneyLand :mrgreen: :mrgreen: https://disneyland.disney.go.com/au/faq/buying-tickets/ LOL. I was thinking that. Seriously, Disneyland enjoys a near monopoly so discounts to tickets are few and far between. Some folks have suggested a few places to save a few bucks, but if you wind up buying them t...
by inbox788
Sun Jul 17, 2016 4:53 am
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 3995

Re: Electric Scooter?

A person who makes dietary choices based upon carbon footprint is called a 'climatarian'. They will usually eat a lower amount of animal protein than a conventional US diet, and skew toward chicken, fish and eggs, as well as trying to limit food wastage. Works for me. Another note: while it is curr...
by inbox788
Sun Jul 17, 2016 4:32 am
Forum: Investing - Theory, News & General
Topic: "Pokemon Go" -- should buying Nintendo have been obvious?
Replies: 88
Views: 4464

Re: "Pokemon Go" -- should buying Nintendo have been obvious?

Nintendo ( NTDOY ) stock price has been hanging around $18 per share all year. The Pokemon Go app was released on Wednesday, July 6. On Friday, it closed at $20 and opened Monday at $27. Today is July 15 and it just closed at $33. If "all known information" was already baked into the $18 ...
by inbox788
Sat Jul 16, 2016 5:14 am
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 3995

Re: Electric Scooter?

Since you're not going far will bikes be OK? You'll stay in shape and less carbon footprint. The carbon footprint per food calorie of energy is much higher than for the same energy as electricity. It takes something like 12 units of fossil energy to make, deliver and prepare one of people food, var...
by inbox788
Fri Jul 15, 2016 4:56 pm
Forum: Investing - Theory, News & General
Topic: Options trading
Replies: 33
Views: 1891

Re: Options trading

Unless you have a quantifiable trigger to initiate a short trade (example, if this event, price or what have you happens then initiate x puts x strikes out of the money etc...) then you are just initiating a position because you kinda sorta "feel" stocks are overvalued. Or you have gains ...
by inbox788
Fri Jul 15, 2016 3:17 pm
Forum: Investing - Theory, News & General
Topic: Just as hard to lose to the market as to beat it?
Replies: 53
Views: 3597

Re: Just as hard to lose to the market as to beat it?

Of course, if you believe by Fama French that a small value tilt outperforms the market, then you believe a large growth tilt underperforms. That means that outperforming the market and underperforming the market both can be accomplished by a portfolio construction formula. Is that the kind of thin...
by inbox788
Fri Jul 15, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Used car - when different model years are the same car?
Replies: 11
Views: 755

Re: Used car - when different model years are the same car?

The car may be the same design, but the features may have been upgraded. A couple of examples: The newly designed 2012 Civic was widely criticized and 2013 brought many changes. http://www.motortrend.com/news/refreshing-or-revolting-2013-honda-civic-sedan-298913/ The 2014 Honda Odyssey LX and EX mod...
by inbox788
Fri Jul 15, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]
Replies: 81
Views: 6046

Re: Electric Bills Killing Me from AC. Need Advice.

We also keep the blinds closed and lights dim or off on hot days. This helps a lot. Lights don't matter as much as they used to with CFL and LED lights producing much less heat, but still helps a little, even if it's in your head. When it's hot outside, you'll need your AC to cool, but as soon as i...
by inbox788
Fri Jul 15, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: Options trading
Replies: 33
Views: 1891

Re: Options trading

prettybogle wrote:Yes I am conflicted in my decision on options trading - trying very hard to resist the urge.


“In the short run, the market is a voting machine but in the long run, it is a weighing machine.”
― Benjamin Graham

Brexit vote?
by inbox788
Fri Jul 15, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: Cell phone data plans
Replies: 41
Views: 3377

Re: Cell phone data plans

Someday soon we will all be on cell phones and the old home phone line will be a "thing" of the past. That day has arrived for many if not most. Ha ha yeah. I ditched my land line 13 years ago. I kept my landline and am keeping it as long as my free Ooma box hold up, now running for about...
by inbox788
Fri Jul 15, 2016 11:24 am
Forum: Investing - Theory, News & General
Topic: Yahoo Finance redesign
Replies: 42
Views: 3732

Re: Yahoo Finance redesign

I actually like the redesign. Especially the new world-indices page... https://finance.yahoo.com/world-indices I like their miniature day charts, but they've had that for a while (just added color), but the organization and presentation needs some work. Scrolling across 3 sets of data at the top is...
by inbox788
Fri Jul 15, 2016 11:17 am
Forum: Investing - Theory, News & General
Topic: Yahoo Finance redesign
Replies: 42
Views: 3732

Re: Yahoo Finance redesign

The change has prompted me to look for other sites. The WSJ site looks good. Yahoo might lose me as a customer. It reminds me of a local supermarket that I shopped at loyally for years, mostly because I was familiar with the store. But then they started rearranging the products about every 6 months...
by inbox788
Fri Jul 15, 2016 10:59 am
Forum: Investing - Theory, News & General
Topic: Germany issues 10-year bond with negative yield
Replies: 33
Views: 2557

Re: Germany issues 10-year bond with negative yield

... Talk about irrational. So short 'em. I don't mean that literally aimed at you personally, of course, but if it were irrational, and maybe it is, and the market returned to rationality somebody would, and perhaps will, get rich off today's derivatives by betting the other way. I'm not sure my in...
by inbox788
Thu Jul 14, 2016 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Whole-Life Insurance Information Source?
Replies: 15
Views: 1146

Re: Whole-Life Insurance Information Source?

Where can i get good, basic information about whole-life insurance? (I've only ever bought term, so I know next to nothing about whole-life.) Here's the situation: before I was 3 years old (I'm now in my 50s), my parents bought a policy on me. They paid for it for many years & were the benefici...
by inbox788
Thu Jul 14, 2016 7:12 am
Forum: Investing - Theory, News & General
Topic: Germany issues 10-year bond with negative yield
Replies: 33
Views: 2557

Re: Germany issues 10-year bond with negative yield

... Talk about irrational. So short 'em. I don't mean that literally aimed at you personally, of course, but if it were irrational, and maybe it is, and the market returned to rationality somebody would, and perhaps will, get rich off today's derivatives by betting the other way. I'm not sure my in...
by inbox788
Wed Jul 13, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: Cell phone data plans
Replies: 41
Views: 3377

Re: Cell phone data plans

How much of a data plan do you buy? What do you use it for? I am considering my first ever real cell phone plan but have no idea how much data would be needed. You can use little or lots of data, just like what you do at home with your internet. I think it's better to have a budget in mind first an...
by inbox788
Wed Jul 13, 2016 5:36 pm
Forum: Investing - Theory, News & General
Topic: Yahoo Finance redesign
Replies: 42
Views: 3732

Re: Yahoo Finance redesign

It's gone from bad to worse. The worst change last time was the useless interactive charts. They're painfully slow, and I can't use them on my phone/tablet. This time it's moving the useful stuff from the left to right. They're just moving the furniture around and doing a piss poor job. I've pretty ...
by inbox788
Wed Jul 13, 2016 5:33 pm
Forum: Investing - Theory, News & General
Topic: Yahoo Finance redesign
Replies: 42
Views: 3732

Re: replacement for Yahoo Finance?

I too have been looking for a single replacement, and haven't found one. But I've left the mess they call Yahoo Finance. For now, the Canada site isn't as screwed up, but it won't be long before they muck that up too. ca.yahoo.com Meanwhile, since taking a more laissez faire investing style from BH,...

Go to advanced search