Search found 3823 matches

by inbox788
Thu Jul 20, 2017 4:54 am
Forum: Investing - Theory, News & General
Topic: Market vs Limit order
Replies: 43
Views: 2381

Re: Market vs Limit order

IMO, one should not be trading instruments where it matters. That said, I always use limit orders. You never know when the next flash crash is going to be. For the volumes individual investors are adding, a penny or two is most likely trivial. Even nickle or dime isn't going to matter in 20 years. T...
by inbox788
Thu Jul 20, 2017 2:57 am
Forum: Personal Finance (Not Investing)
Topic: 4% mortgage rate vs 2.5% BND yield
Replies: 44
Views: 3348

Re: 4% mortgage rate vs 2.5% BND yield

OP here. Boy, with everyone getting such cheap leverage and mortgages being such a bad deal for the lender, makes you wonder who these dumb dumb lenders are. Oh wait, I think it's largely you and me via our total bond market funds. :oops: I think as someone said, it largely comes down to personal c...
by inbox788
Thu Jul 20, 2017 2:28 am
Forum: Investing - Help with Personal Investments
Topic: Designed an aggressive 20 year portfolio. Thoughts?
Replies: 21
Views: 1417

Re: Designed an aggressive 20 year portfolio. Thoughts?

Primecap states they may tilt strongly towards technology and healthcare at times. Currently their tilt is healthcare and industrial. You're also tilting towards consumer staples. Historically, healthcare and technology have been good plays, but they're also largely represented in the SP500, so it's...
by inbox788
Thu Jul 20, 2017 2:18 am
Forum: Personal Consumer Issues
Topic: Putting Your Furniture in Storage
Replies: 9
Views: 361

Re: Putting Your Furniture in Storage

How valuable is the furniture? If they're not too valuable or sentimental, consider either selling some or donating them and buying new furniture. Also, if you have access to small moving van/truck and some friends/relatives, consider parting out some furniture to those that might have some use and/...
by inbox788
Thu Jul 20, 2017 1:04 am
Forum: Investing - Help with Personal Investments
Topic: anybody dabble in venture capital?
Replies: 24
Views: 1590

Re: anybody dabble in venture capital?

whodidntante wrote:So you have a little gamble in you, eh? May I suggest poker? :happy

I'd be the patsy in either game.

https://www.youtube.com/watch?v=6DGNZnfKYnU
by inbox788
Wed Jul 19, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Is this market timing? (with charitable giving)
Replies: 12
Views: 638

Re: Is this market timing? (with charitable giving)

I plan to donate a specific dollar amount to a specific charity over several years. This charity is set up so that it can receive appreciated shares. Let's say I plan on donating $100 of appreciated shares for 5 consecutive years for a total of $500. Assume I will donate $100 of appreciated(nominal...
by inbox788
Wed Jul 19, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab's Modern Approach to Asset Allocation - Comments
Replies: 26
Views: 1859

Re: Schwab's Modern Approach to Asset Allocation - Comments

Thanks for posting, it is interesting. I think there are some good ideas here, but... Investors should never try to time the market by making radical short-term shifts. But investors can benefit by over- or under-weighting various asset classes during certain periods. Schwab has developed an approa...
by inbox788
Wed Jul 19, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: anybody dabble in venture capital?
Replies: 24
Views: 1590

Re: anybody dabble in venture capital?

I've thought about it, but haven't gotten around to it. Too much time and risk for me, and I don't know what hare(-brained scheme) to put my bet behind, so I just let it sit on the tortoise and let it ride. I hear that if you get identified as an accredited investor, the vulture capitalist come knoc...
by inbox788
Wed Jul 19, 2017 2:22 am
Forum: Investing - Help with Personal Investments
Topic: Accumulated RSUs - how to sell now?
Replies: 4
Views: 412

Re: Accumulated RSUs - how to sell now?

Is $300k the sales or the gain? You have to consider your marginal tax bracket and see if you get hit with the ACA investment tax. https://www.irs.gov/uac/newsroom/net-investment-income-tax-faqs If you do a return with TurboTax or similar program with and without the stock sales, you'll know more sp...
by inbox788
Wed Jul 19, 2017 2:09 am
Forum: Personal Finance (Not Investing)
Topic: Contemplating cancelling life insurance policy (16 years in), can't get an inforce illustration
Replies: 12
Views: 1278

Re: Contemplating cancelling life insurance policy (16 years in), can't get an inforce illustration

Simple math is 7702+662=8364, so (8706-8364)/8364=4%. It's a tiny bit higher if you value the $20 in annual COI you're getting. Not horrible, but not that great either because of the illiquidity and requirements (i.e death; unknown future COI or returns) If the amounts were larger or situation suita...
by inbox788
Wed Jul 19, 2017 1:54 am
Forum: Investing - Help with Personal Investments
Topic: What has a ticker and is analogous to residential investment property for asset allocation?
Replies: 9
Views: 424

Re: What has a ticker and is analogous to residential investment property for asset allocation?

I guess you could also just use one of the res. reits that most closely matches the target asset. Sam Zell's Equity Res. Trust, EQR, has 153,000 apartment units all across the country. VNQ has so much retail (20%) that it's not a good match I guess. I was thinking along the same lines. MAA, EQR or ...
by inbox788
Tue Jul 18, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Contemplating cancelling life insurance policy (16 years in), can't get an inforce illustration
Replies: 12
Views: 1278

Re: Contemplating cancelling life insurance policy (16 years in), can't get an inforce illustration

Short answer: Cancel it! Very complicated, but do you have a whole life or some other even more complicated policy? Universal/Variable? You should get an inforce illustration showing the GUARANTEED values. Keep at it until you get one. Do you have prior tables available? Did you take over the policy...
by inbox788
Tue Jul 18, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Cellphone nightmare - please help
Replies: 24
Views: 1902

Re: Cellphone nightmare - please help

jjface - I have an iPhone 7 which was purchased in March of this year. Who is your carrier? Go to Settings -> General-> About and go down about 10 lines and tell us what is says under Carrier. Like the fellow mentioned above, I think your troubles are you're still on Sprint, and it's likely your ph...
by inbox788
Sun Jul 16, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Scan negatives or the photos?
Replies: 15
Views: 1280

Re: Scan negatives or the photos?

Good question, and intuitively I think the answer is the negatives, but haven't compared, and depends on your equipment, which I assume will be different for the two. Now if you took the negatives and made 8x10 or larger prints and scanned the big print, it might be the optimal solution, especially ...
by inbox788
Sun Jul 16, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Buying beach bungalow in San Diego for Winters
Replies: 55
Views: 4311

Re: Buying beach bungalow in San Diego for Winters

Finding a way to get an apartment there for a part of the year seems like the most viable approach. As someone pointed out, even if it was just December through February that would make a big difference. I'll explore more. It takes a bit of searching and luck, but if you find a student taking a qua...
by inbox788
Sun Jul 16, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Buying beach bungalow in San Diego for Winters
Replies: 55
Views: 4311

Re: Buying beach bungalow in San Diego for Winters

I'm pretty sure CA is like other states, in that if you're self employed, you'll pay state income tax only on money that you earn while you're residing in that state. But that does mean a lot more taxes, since CA state taxes for the months you're living there are considerably higher than Illinois. ...
by inbox788
Sun Jul 16, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 4022

Re: Rent in safer neighborhood or buy in less safe one?

Is it bad to hope for another housing bubble to burst? I wouldn't count on it or even bet on it. Sounds like you're in a tough spot. How stable is your job? I'm thinking if push comes to shove, it's better to take financial risk over physical risk. There's risk the rental cost will continue to rise...
by inbox788
Sun Jul 16, 2017 5:31 am
Forum: Personal Finance (Not Investing)
Topic: Buying beach bungalow in San Diego for Winters
Replies: 55
Views: 4311

Re: Buying beach bungalow in San Diego for Winters

Personally I don't think the summers are that great either. Humidity sucks. Why not move to San Diego? This is the wisest advice you will ever receive. Don't do it! You become a full time California resident and are subject to state taxes. Worse, living part time or by owning real estate, you might...
by inbox788
Sat Jul 15, 2017 7:52 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 136
Views: 11096

Re: How are folks handling the unprecedented rise in the market ?

I am following my investment plan. Where do you think you are, anyhow? But seriously, I'm young and have few assets relative to my salary (thanks, student loans), so I'm staying 1.5 levered long VTI until my portfolio borrows $10k, then buying more VTI without re-levering until my porfolio is 1.2x ...
by inbox788
Sat Jul 15, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 41
Views: 2540

Re: california homeowners - do you have earthquake insurance?

When we lived in the Pacific Northwest we were insured for earthquake and wouldn't have considered not doing so. The 'big one' is a certainty, it's just a matter of when. I assume that it's the same story for California. https://www.theatlantic.com/science/archive/2016/08/a-major-earthquake-in-the-...
by inbox788
Sat Jul 15, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Is new car replacement insurance worth it?
Replies: 33
Views: 1908

Re: Is new car replacement insurance worth it?

I'd get it, at least for the first couple of years. Once the car is several years old, I would re-evaluate it. It's the other way if the rate doesn't change. In the first year, the difference between what your collision covers vs. new car is small. After 5 years, it might be about half the cost of ...
by inbox788
Fri Jul 14, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Road vehicle, 4 adults, one car seat, must it be a minivan?
Replies: 43
Views: 2213

Re: Road vehicle, 4 adults, one car seat, must it be a minivan?

That said, light duty trucks (as defined by pickups, SUVs, vans) do outsell sedans in the U.S. by a pretty hefty margin: http://online.wsj.com/mdc/public/page/2_3022-autosales.html Sure, you can argue about the definition of light duty truck vs. car (is a Honda CR-V really a truck?), but regardless...
by inbox788
Fri Jul 14, 2017 8:10 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 136
Views: 11096

Re: How are folks handling the unprecedented rise in the market ?

Fwiw, in the short term, I'm shorting it. Naked! Sold some SPY today. But this is really just the speculative fund, and the position might change Monday. The small loss on this is far outweighed by the gain invested in the long term BH style. I've been mostly on the wrong side this year and sitting ...
by inbox788
Fri Jul 14, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Road vehicle, 4 adults, one car seat, must it be a minivan?
Replies: 43
Views: 2213

Re: Road vehicle, 4 adults, one car seat, must it be a minivan?

I don't think they needed much convincing. The Ford F-150 is the most popular vehicle sold in the U.S., I think by a long shot. Then, numbers 2 and 3, also trucks... Wow, I did not know that. In fact I didn't believe you and had to look it up. I thought for sure it would have been a sedan like Acco...
by inbox788
Fri Jul 14, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Work Discount Stock Purchase Plan - When to Sell
Replies: 15
Views: 720

Re: Work Discount Stock Purchase Plan - When to Sell

whattodonow wrote:I don't necessarily need the money right now.

Sell the company stock and buy VTI!

Rinse, repeat!
by inbox788
Fri Jul 14, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 2925

Re: Apple iMac problem?

Anyway, I'm reasonably sure it's the autoplaying videos that cause mine to beachball. I was running fine without extensions, but the autoplay videos (and especially those that played in the background -- impossible to track down sound source) drove me to use adblockers, anti-trackers, and such. Als...
by inbox788
Thu Jul 13, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 2925

Re: Apple iMac problem?

I'll try and answer some of the questions. This is a 21.5' iMac running on OS Sierra version 10.12.5. with a 2.7 GHz Intel core I5 and 8GB memory. The hard drive is 1TB and I have 980GB's available. The build date says late 2013. No solid state drive. I use Safari but it freezes up when I try Chrom...
by inbox788
Thu Jul 13, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4631

Re: $1368 for new shocks/struts on '05 Corolla?

Speaking for my current ride (the CRV), it drives as nice as it ever did, the tires wear evenly and it just passed inspection. So how could it need shocks and struts? Are you in the business of installing shocks and struts? Funny you should say that. I'm in the same boat with a 2010 CRV, 80k miles ...
by inbox788
Thu Jul 13, 2017 7:28 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 58
Views: 6688

Re: % bogleheads of overall population

Nearly all Vanguard plans offered catch-up contributions in 2016. Catch-up contributions permit participants age 50 and older to contribute more than permitted for participants under age 50. Twelve percent of age-50-and-older participants eligible for catch-up contributions took advantage of this f...
by inbox788
Thu Jul 13, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Asian Indian friend on parking 100k
Replies: 14
Views: 1244

Re: Advice for Asian Indian friend on parking 100k

Buy a $100k car and park it in a garage. :oops: Are you sure they're in paying 6.5% in dollar denomination accounts? What's the Rupee rate, 8%? So a 1.5% currency risk premium? Fixed or variable? Guaranteed for 20 years? What is the longest guaranteed rate available? I think it's too good to be true...
by inbox788
Thu Jul 13, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4631

Re: $1368 for new shocks/struts on '05 Corolla?

what made you say that? 12-13 year old car with 131K miles on (potentially) original shocks is well beyond said parts life expectancy. From experience, I don't agree with that. I currently have a 10 year old CRV with 198,000 miles on it, and have never done anything with the shocks and struts. A wh...
by inbox788
Wed Jul 12, 2017 6:41 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13210

Re: Anyone else gotten totally bored with investing?

I am interested in financial markets (etc.) so I continue to find investing fascinating. But I invest boglehead style. I've settled on a similar course. My investments are mostly in low cost index funds, but it's sure fun watching high flyers like Amazon, Facebook, Netflix and Tesla defy gravity. B...
by inbox788
Wed Jul 12, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: Moving a car cross country
Replies: 54
Views: 2500

Re: Moving a car cross country

OP..send me a PM. I may be able to drive it. I have a spotless driving record for the last 40+ years, recently early-retired, my timing is flexible, 1200 miles..no sweat, been there, done that more than a few times. And we'd possibly be interested as well. We have sought opportunities such as this ...
by inbox788
Wed Jul 12, 2017 3:14 am
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 89
Views: 13667

Re: Roll call Warren Buffet 90/10 portfolio

Buffet says 90/10. Bogle says 50/50. http://www.cnbc.com/2015/10/14/jack-bogle-follow-these-4-investing-rules-ignore-the-rest.html If I am close to my number, I think Bogle makes sense. If I'm well above the number, then Buffet makes more sense. Hopefully I'll be somewhere in between and pick a rat...
by inbox788
Wed Jul 12, 2017 12:46 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4631

Re: $1368 for new shocks/struts on '05 Corolla?

If only the spring or strut needs to be replaced, it's a lot cheaper, but looks like a dangerous life-risking procedure I wouldn't attempt. Probably comparable to replacing garage door springs. Pay someone to risk their fingers (hopefully they're far more experienced and will not lose them, but if ...
by inbox788
Tue Jul 11, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4631

Re: $1368 for new shocks/struts on '05 Corolla?

I'd put cheaper tires on the car and just live with them going out faster This would be my solution. How many years will it take you to put the next 21k miles on the car? BTW, I had a newer car destroy the tires, and it wasn't the shocks/struts, but bad balance/alignment. Are you basing this decisi...
by inbox788
Tue Jul 11, 2017 1:47 pm
Forum: Investing - Theory, News & General
Topic: No "sequence of returns risk" what to do about withdrawals
Replies: 35
Views: 2609

Re: No "sequence of returns risk" what to do about withdrawals

If you go with Firecalc (or similar), the probabilities are based on a consistent withdrawal rate from day 1. Otherwise you are operating in the great unknown. This how public pension funds got into trouble (by raising benefits in bull markets). Interesting in that we take this information into acc...
by inbox788
Tue Jul 11, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: 0% Finance auto-loans - Whats the catch?
Replies: 20
Views: 1743

Re: 0% Finance auto-loans - Whats the catch?

The catch is you just spent $30,000 on a new car. The real cost is built into that price. With interest rates so low, the cost to the auto manufacturer is very low, but if you don't take the loan and don't negotiate a lower price, they still save this cost.
by inbox788
Tue Jul 11, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: No "sequence of returns risk" what to do about withdrawals
Replies: 35
Views: 2609

Re: No "sequence of returns risk" what to do about withdrawals

A classic "riddle" is that assuming I retire on a million and the first year my capital increases to 1.1 millions due to good markets, what forbids me to declare "I was just joking when I said I was retiring last year. I'm only retiring this year and therefore I'll collect 44k, not j...
by inbox788
Tue Jul 11, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Moving a car cross country
Replies: 54
Views: 2500

Re: Moving a car cross country

I am just not coming across a lot of viable alternatives. Having 1 vehicle out of commission for 3-4 weeks will basically confine her to home almost 24/7 as my work hours are unpredictable. We are moving to an area which doesn't have good public transport. I would love to have someone drive it over...
by inbox788
Mon Jul 10, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Cheap TV Set-up for Limited Daily Use
Replies: 71
Views: 4040

Re: Cheap TV Set-up for Limited Daily Use

I got a SlingBox (different from sling.com) to solve this type of problem, but have yet to hook it up. It requires a wireless network and media player and app (roku, firestick, etc.). It's a place-shifting TV problem/solution. I did some testing and it had all the parts, but some limitations. Mainly...
by inbox788
Mon Jul 10, 2017 3:29 pm
Forum: Investing - Theory, News & General
Topic: Bond type composition of the entire US bond market
Replies: 8
Views: 923

Re: Bond type composition of the entire US bond market

Great information. Is there any similar market share data on who holds the bonds and what bond companies it's being held at? I thought PIMCO was one of the biggest bond dealers/brokerages, but they only have about $1.5T AUM. I've located AUM lists that include Fidelity, Vanguard, Blackrock, and othe...
by inbox788
Fri Jul 07, 2017 8:15 pm
Forum: Investing - Theory, News & General
Topic: No "sequence of returns risk" what to do about withdrawals
Replies: 35
Views: 2609

Re: No "sequence of returns risk" what to do about withdrawals

A classic "riddle" is that assuming I retire on a million and the first year my capital increases to 1.1 millions due to good markets, what forbids me to declare "I was just joking when I said I was retiring last year. I'm only retiring this year and therefore I'll collect 44k, not j...
by inbox788
Fri Jul 07, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Residential Home for $125K. Rent for $1,400 / mo.
Replies: 43
Views: 2539

Re: Residential Home for $125K. Rent for $1,400 / mo.

A good rule of thumb is to expect 5% or rents to go towards maintenance and 5% of rents towards capital expense. 92% occupancy rate is also a standard. I assume 92% comes from 11/12 months rented. This is an interesting assumption and depending on your renters can seriously impact your estimates. I...
by inbox788
Fri Jul 07, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4461

Re: Better hurry if you want a gas-engine Volvo

I doubt a renter will be setting up a charging station in the apartment parking lot. I doubt condo associations will allow owners to install personal charging stations in public spaces (outdoor parking/parking garages/ect.). These are just a few examples of why your idea is not feasible. One soluti...
by inbox788
Fri Jul 07, 2017 6:40 pm
Forum: Investing - Theory, News & General
Topic: 529 Questions. Double tax breaks?
Replies: 8
Views: 1210

Re: 529 Questions. Double tax breaks?

- Are there any rules with what you can do with your money after you withdraw before you pay? Say I withdraw in January and no payment is due until August. Could I invest that money in the mean time or does it have to sit in a saving account. I assume that as long as I eventually pay my qualified e...
by inbox788
Fri Jul 07, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Residential Home for $125K. Rent for $1,400 / mo.
Replies: 43
Views: 2539

Re: Residential Home for $125K. Rent for $1,400 / mo.

Should I? I keep talking myself into it. Then talking myself out of it. No! If you're so equivocal about the deal, it's not worth it or you haven't done your homework. Keep life simple and wait for a better opportunity. The only time you should do it is if you're very eager to get in the business a...
by inbox788
Thu Jul 06, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: New compact hatchback or used small SUV?
Replies: 17
Views: 1809

Re: New compact hatchback or used small SUV?

What about the new Honda HR-V? A new HR-V would seem to be the perfect compromise between a new hatchback and a used crossover SUV. HRV was overpriced when I looked into it. Maybe supply has caught up now, but for me it was 80% of a CRV for 90-95% the cost. I'm used to the CRV and Civic being label...
by inbox788
Thu Jul 06, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: What is a "sleeve"?
Replies: 34
Views: 3102

Re: What is a "sleeve"?

This is a family friendly site but sleeve is slang for a condom. I won't go any farther in explaining what "end sleeve" might refer to. I had to google it. Top result for me is Insulated Tubular End Sleeve (I understand Google is customizing some searches, so YMMV) http://www.te.com/usa-e...
by inbox788
Thu Jul 06, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4461

Re: Better hurry if you want a gas-engine Volvo

This was a stupid move by Volvo. Their low sales are going to tank now that they have announced all their products are effective end of life. Why would I buy a car that I know will be discontinued in 2 years? I'll keep my current car for 2 more years and see what electric vehicles are around then. O...

Go to advanced search