Search found 2629 matches

by inbox788
Wed Sep 28, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: how much to convert to Roth?
Replies: 13
Views: 710

Re: how much to convert to Roth?

OK, you've now told us you are single. Based on the projected 2016 tax rates I have a cushion of $37,650 - $22,000 = $15,650, if I want to stay in the 15% tax bracket. Not quite. The limit of $37650 is taxable income, not AGI. Your number is going to be bigger than $15,650. But I don't know how the...
by inbox788
Tue Sep 27, 2016 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse concerned about buying luxury SUV
Replies: 40
Views: 3633

Re: Spouse concerned about buying luxury SUV

Get the Lexus, don't look back.
by inbox788
Tue Sep 27, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 55
Views: 3123

Re: Replace car battery after X years or wait till it dies?

You don't need your receipt to return your battery to Costco. They will look it up by you membership number. They will also give you the core credit refund when you return the defective battery; you don't need to choose between them. That's not what I was told. :( Ditto. Batteries are extremely tox...
by inbox788
Tue Sep 27, 2016 1:53 am
Forum: Investing - Theory, News & General
Topic: Harvard Endowment Losses Tied to Value Stocks
Replies: 57
Views: 4773

Re: Harvard Endowment Losses Tied to Value Stocks

So, what to say about this: ⋅ The average college endowment fund underperformed the Vanguard Balanced Index Fund. ⋅ The median college endowment fund underperformed the Vanguard Balanced Index Fund. ⋅  The 75th percentile only outperformed the Balanced Index fund by a ...
by inbox788
Tue Sep 27, 2016 1:09 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 55
Views: 3123

Re: Replace car battery after X years or wait till it dies?

It's possible to test a battery, but it must be a capacity test under load. A voltmeter can't do this. The capacity of all lead-acid batteries degrades over time, so it's a judgement call about when to replace it. Only test with the right tester. Avoid the 100a load testers (https://www.amazon.com/...
by inbox788
Mon Sep 26, 2016 12:30 pm
Forum: Personal Consumer Issues
Topic: How is this scam supposed to work? [ebay]
Replies: 3
Views: 1140

Re: How is this scam supposed to work?

I'm guessing the scammers aren't the ones sending the glasses. It's possibly some sort of drop shipping arrangement, and they're using the sunglasses as a test before they go and misuse the account for more valuable theft. Whether eBay or the knock off company is the one losing out is unclear, but t...
by inbox788
Mon Sep 26, 2016 11:05 am
Forum: Investing - Theory, News & General
Topic: Harvard Endowment Losses Tied to Value Stocks
Replies: 57
Views: 4773

Re: Harvard Endowment Losses Tied to Value Stocks

It's when you get to Alternative Assets that, in theory, value add is possible by manager selection. These are unquoted assets, so the point about performance doesn't directly apply. VCs Swensen shows you only a handful of funds beat the Nasdaq (but do so by double digits, every year). LBO it's the...
by inbox788
Sat Sep 24, 2016 1:49 pm
Forum: Investing - Theory, News & General
Topic: Harvard Endowment Losses Tied to Value Stocks
Replies: 57
Views: 4773

Re: Harvard Endowment Losses Tied to Value Stocks

Just to clarify it is my understanding that active management outperforms indexing but does not do so net of fees. This is a reason Wellesley and wellington have outperformed the appropriate indices. I am fairly confident that Harvard pays still lower fees for stock and Bond investments so it may b...
by inbox788
Fri Sep 23, 2016 4:43 pm
Forum: Investing - Theory, News & General
Topic: Harvard Endowment Losses Tied to Value Stocks
Replies: 57
Views: 4773

Re: Harvard Endowment Losses Tied to Value Stocks

Over the past year High Dividend Yield: 17.4% Total Market: 11.4% Given that shouldn't we all switch to the High Div strategy? One year numbers are beyond meaningless. From the article "Unfortunately, a number of our domestic equity external managers underperformed for the first time in many y...
by inbox788
Fri Sep 23, 2016 12:11 pm
Forum: Investing - Theory, News & General
Topic: Harvard Endowment Losses Tied to Value Stocks
Replies: 57
Views: 4773

Re: Harvard Endowment Losses Tied to Value Stocks

Harvard endowment down 2%. Yale not yet reported. MIT up nearly 1%. http://money.cnn.com/2016/09/22/pf/college/harvard-university-endowment/index.html https://www.yahoo.com/news/harvards-endowment-loses-2-pct-210003194.html According to Google the SPY was down 0.16% during same period (June '15-16),...
by inbox788
Fri Sep 23, 2016 12:10 pm
Forum: Investing - Theory, News & General
Topic: The Incredible Shrinking of Alpha continues--the latest SPIVA scorecard
Replies: 12
Views: 1550

Re: The Incredible Shrinking of Alpha continues--the latest SPIVA scorecard

Harvard endowment down 2%. Yale not yet reported. MIT up nearly 1%. http://money.cnn.com/2016/09/22/pf/college/harvard-university-endowment/index.html https://www.yahoo.com/news/harvards-endowment-loses-2-pct-210003194.html According to Google the SPY was down 0.16% during same period (June '15-16),...
by inbox788
Fri Sep 23, 2016 2:03 am
Forum: Personal Consumer Issues
Topic: What SUV for Sister in law?
Replies: 15
Views: 1202

Re: What SUV for Sister in law?

Thanks for the input. Ironically she had a Forester years ago when she was married. I suggested that too, but it brings back unhappy marriage memories for her :( It looks totally different now if that helps. She could consider the subaru outback if the forester still has bad memories! Given the sit...
by inbox788
Thu Sep 22, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: 401(K) asset allocation - pitfalls in putting 90% of it on BRK-B
Replies: 6
Views: 700

Re: 401(K) asset allocation - pitfalls in putting 90% of it on BRK-B

BRK.B doesn't have the diversification present in the SP500 or a Total Market Index fund. The main advantage of BRK.B is the absence of capital gains distributions which you don't have to care about in a 401(K) anyway. This! I don't have a with BRK, and if there were no other option, then it's a gr...
by inbox788
Tue Sep 20, 2016 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take a loan for a car
Replies: 58
Views: 4110

Re: Why not take a loan for a car

OP, there are some Bogleheads who will never admit that financing a car is a good idea. They remind me of the folks who insist that the oil in a car must be changed every 3 months, no matter how many authorities, including the car's manufacturer, tell them otherwise. Fact is, financing can sometime...
by inbox788
Mon Sep 19, 2016 7:02 pm
Forum: Personal Consumer Issues
Topic: Vacation bundling sites (Expedia, Priceline, etc)
Replies: 14
Views: 1226

Re: Vacation bundling sites (Expedia, Priceline, etc)

My last trip I booked through one of the sites you mentioned. I had an issue I was trying to work out and the site kept telling me I had to deal with the airline and the airline told me I had to deal directly with the site. It took me dozens of emails and phone calls and weeks of my time to finally...
by inbox788
Mon Sep 19, 2016 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Why do a target fund if the AA doesn't change for another 20-25 years?
Replies: 24
Views: 2123

Re: Why do a target fund if the AA doesn't change for another 20-25 years?

Though most VG Target Date funds have a glide path and become more conservative over time, it should be noted that Vanguard's Target Retirement Income fund does not. I believe the Target Date funds become equivalent to the Target Retirement Income funds sometime after retirement (between 65-80). It...
by inbox788
Sat Sep 17, 2016 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I refinance with original lender @ 2.625%?
Replies: 12
Views: 1430

Re: Should I refinance with original lender @ 2.625%?

Why? You're paying fees, lots of fees and points. Your monthly payment is going up. And you're moving soon. Makes no sense. If you can find a zero cost, it might be worth doing. Much of the benefit in interests rates is going from 30 years down to 15. http://www.bankrate.com/ 30 year fixed refi 3.47...
by inbox788
Sat Sep 17, 2016 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Pay Off 3.25% Home Equity Line of Credit?
Replies: 14
Views: 1352

Re: Should I Pay Off 3.25% Home Equity Line of Credit?

zzcooper123 wrote:The asset protection is also nice. I am sure the bank would love it if I paid it off. If long term mortgage rates go to 2% (and fees are are reasonable) maybe I'll refinance.

Asset protection? Why would the bank want it paid off? They're making 3.25% for doing nearly nothing.
by inbox788
Fri Sep 16, 2016 9:06 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Small or Midsize SUV/Crossover
Replies: 62
Views: 4870

Re: Recommendations for Small or Midsize SUV/Crossover

I'm sort of a "car guy". I have a 2015 forester XT 2.0 turbo. Great vehicle. Perfect blend of sporty and utility. It's expensive but it blows the doors off of everything else (from a sporty performance perspective). Except for a BMW or Audi. I really feel like you are considering vehicles...
by inbox788
Fri Sep 16, 2016 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Day Trading - Where To Start? (Coaching)
Replies: 23
Views: 1932

Re: Day Trading - Where To Start? (Coaching)

Day trading and poker... this will end well. There's more to this comparison than meets the eye. OP, what do you consider day trading? You don't hear much about professional day traders, professional poker players, professional blackjack players, but they occasionally exist. As far as professional ...
by inbox788
Fri Sep 16, 2016 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Pay Off 3.25% Home Equity Line of Credit?
Replies: 14
Views: 1352

Re: Should I Pay Off 3.25% Home Equity Line of Credit?

What is your AA? Are you counting either the HELOC or the investments as part of your AA? Do you hold bonds, and if so, what is the return? I'd agree with the sentiment that there's something not accurately portrayed about your situation and there is likely an opportunity to arbitrage away some bond...
by inbox788
Fri Sep 16, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Recommendations for Small or Midsize SUV/Crossover
Replies: 62
Views: 4870

Re: Recommendations for Small or Midsize SUV/Crossover

This would be especially helpful in your situation, since you are considering vehicles in multiple classes - small crossover, large SUV, and wagon. Start by defining what is important and/or essential, then eliminate those that don't meet your criteria. Narrowing down the list from 3 to 1 is much e...
by inbox788
Thu Sep 15, 2016 3:10 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Small or Midsize SUV/Crossover
Replies: 62
Views: 4870

Re: Recommendations for Small or Midsize SUV/Crossover

Rguina and pochax thank you for the posts! Excellent info and it is likely I will need to remove the CX-9 and perhaps add the RAV4 hybrid. I had not thought about the fact that electric motors will also be immune to the effects of altitude. Altitude, yes. Cold, no. Motors, yes. Batteries, no. http:...
by inbox788
Thu Sep 15, 2016 2:36 pm
Forum: Investing - Theory, News & General
Topic: Strategy to buy expensive house
Replies: 67
Views: 5304

Re: Strategy to buy expensive house

Here's another alternative. Buy the $1M house today! Borrow all you can and get the house you want now. Rent out some rooms to make the mortgage payments. When that $1M house becomes $2M or $4M, you'll be glad you did. Interest rates are at their lowest now and only going up. And if you're making $2...
by inbox788
Thu Sep 15, 2016 12:46 am
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3023

Re: iOS 10 available today

Yes this is a standard 5. I have been using it pretty heavily since this afternoon setting up and tweaking watchOS 3 and it has been buttery smooth. I was going to wait to upgrade but I was swayed by an article on Ars Technica titled "iOS 10 is a pleasant surprise for the iPhone 5 and 5C"...
by inbox788
Thu Sep 15, 2016 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone else feeling courageous enough to buy today?
Replies: 90
Views: 6460

Re: Is anyone else feeling courageous enough to buy today?

Well, there's a fed meeting next week, so I put a bet on SP500 going up when they do nothing. I suspect a disproportionate number of those best and worst days come on fed days. Figure worst case is 50/50 whether the market is up or down at any point in the future compared to today. Best case is I ge...
by inbox788
Wed Sep 14, 2016 7:07 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3023

Re: iOS 10 available today

I installed it on my 5 today so I could get watchOS 3. No difference in the speed so far, seems to be working well :happy That's an iPhone 5? I was just going to ask about that. Looks like the bottom end is the A6 processor, and this might be the last year and update for these as well. Still a long...
by inbox788
Wed Sep 14, 2016 6:32 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3023

Re: iOS 10 available today

I want to try iOS 10, but not getting the update yet. Anyone know any tricks to getting it sooner? (hopefully simple ones not involving a lot of downloading) Inbox788, iPad 2 is not a supported device for IOS 10. If you have a newer iPad like iPad mini 2, mini 3, mini 4, Air, Air 2, Pro, you can fo...
by inbox788
Wed Sep 14, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: 16 GB or 64 GB? [for iPhone SE]
Replies: 25
Views: 1674

Re: 16 GB or 64 GB? [for iPhone SE]

Thanks! It appears I will be getting a 64 GB. Really bummed though that Verizon is selling it for $50 more than Apple. They did not drop the price the way Apple did once the 7 was announced. What advantage is there going directly with Verizon? Can't you buy it at Apple Store/Online or Best Buy and ...
by inbox788
Tue Sep 13, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3023

Re: iOS 10 available today

kenschmidt wrote:iOS 9 is the end of the road for my iPad 2.

How's it doing? I stopped upgrading mine at 7 and it's quite slow now.

I want to try iOS 10, but not getting the update yet. Anyone know any tricks to getting it sooner? (hopefully simple ones not involving a lot of downloading)
by inbox788
Tue Sep 13, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: I am going to stop tilting. Sanity check.
Replies: 66
Views: 6051

Re: I am going to stop tilting. Sanity check.

I've thought about tilting, but can't decide which way to tilt. Small cap value seems like a popular thing. So is adding 10% or more REIT. And some or increased international equities is another, not to mention international bonds. Then there's some speculative stuff like tech, internet, old energy,...
by inbox788
Tue Sep 13, 2016 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Wait to switch from active to passive
Replies: 12
Views: 1066

Re: Wait to switch from active to passive

If there could be delays, you could split the transactions and spread them out over 4 or so tranches. This way, even if the market moves 2% or more, the effect should average out to less than 0.5%, and even then it could go either way for you. Also, as long as you sell low, buy low or sell high, buy...
by inbox788
Mon Sep 12, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: Bluetooth headphones for TV watching?
Replies: 9
Views: 611

Re: Bluetooth headphones for TV watching?

If you don't have 3.5mm audio, you might be able to use RCA to 3.5mm adapter like this:
https://www.amazon.com/Yueton-3-5MM-Ste ... 0156F38LG/

And soft headphones like these:
https://www.amazon.com/ZenNutt-Bluetoot ... 019XM4TMK/
by inbox788
Mon Sep 12, 2016 12:12 pm
Forum: Investing - Theory, News & General
Topic: Amplitrade - Have you heard of them?
Replies: 8
Views: 781

Re: Amplitrade - Have you heard of them?

Avoid them. And companies of their like even if they have positive track records (heavy survival bias). Contact Us © 2016 AMPLITRADE.COM These results are based on simulated performance results that have certain inherent limitations. Unlike the results shown in an actual performance record, these re...
by inbox788
Mon Sep 12, 2016 8:26 am
Forum: Personal Consumer Issues
Topic: Toyota, Honda, Nissan or Chrysler Minivan?
Replies: 43
Views: 3912

Re: Toyota, Honda, Nissan or Chrysler Minivan?

Simple! - You're already leaning toward Honda/Toyota so stick with that. You cannot go wrong. - Pick the one you 'like' best. I can't stand the current Honda lightning bolt design, I wouldn't be caught dead in one of those. So it would be the Toyota! :mrgreen: Honda is due for a redesign next year ...
by inbox788
Mon Sep 12, 2016 12:31 am
Forum: Personal Consumer Issues
Topic: Volvo & Audi SUV owners step in here
Replies: 26
Views: 2235

Re: Volvo & Audi SUV owners step in here

Seriously toyota is trying to see how ugly of a car they can make and still sell it because of their well deserved reputation for quality.:) No, I think they seriously like their designs. I think the designer have pugs or bull dogs. As far as the MDX, I still don't like the diamond pentagon, but gl...
by inbox788
Sun Sep 11, 2016 9:20 pm
Forum: Personal Consumer Issues
Topic: car air conditioning problem
Replies: 12
Views: 973

Re: car air conditioning problem

My first thought with initially working and then not functioning was lines freezing up. I had this happen at home ac when the freon was low. Looks like it can also be caused by moisture in the lines or low airflow. Any frost anywhere along the ac pipes? http://knowhow.napaonline.com/car-ac-lines-fre...
by inbox788
Sat Sep 10, 2016 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Moving 4M from Goldman. retired and needs 200K/Y
Replies: 55
Views: 8900

Re: Moving 4M from Goldman. retired and needs 200K/Y

Does the $200,000 expenses include your income taxes? If not, you are going to need to withdraw signficantly more, even if you are paying taxes at the capital gains rate. Besides taxes, what does the rest of the retirement budget look like? What are the top 5 expenses and budgeted amounts? Are real...
by inbox788
Fri Sep 09, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Gas station - good business?
Replies: 69
Views: 5377

Re: Gas station - good business?

If Elon Musk has his way, you're going to want to be in the SuperCharging station business, not the gas station business. Won't happen overnight, but in 10 or 20 years, gas stations may become obsolete.
by inbox788
Fri Sep 09, 2016 7:06 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11627

Re: Who is ready for iphone 7?

I don't play any games at all. Although I text a lot and do a lot of Internet surf and reading on my phone. I turned off all notifications to save battery. Brightness is low. Battery usage suggests it's my home and lock screen, Safari and message are my main battery consumers. I attribute it to jus...
by inbox788
Fri Sep 09, 2016 6:36 pm
Forum: Investing - Theory, News & General
Topic: Why wouldn't I leverage X5 on a 10/90 portfolio like this?
Replies: 23
Views: 2251

Re: Why wouldn't I leverage X5 on a 10/90 portfolio like this?

Leveraging the 10% stock portfolio doesn't really make sense. If you have $100K to invest, you would have $50K in stock, $450K in bonds, and $400K in debt. Since you can't lend (via bonds) at the same rate you can borrow for the same term, you would be better off selling $400K in bonds to have a st...
by inbox788
Fri Sep 09, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for excercise
Replies: 17
Views: 1462

Re: Noise cancelling headphones for excercise

Noise cancelling vs noise isolation: you really don't want either. There's nothing wrong with noise cancelling headphones as far as safety, but they're not likely to eliminate most of the noise you encounter. Works best to eliminate some low frequency droning sounds (engines, motors, etc.). Now nois...
by inbox788
Fri Sep 09, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: student loan payoff - press on?
Replies: 6
Views: 486

Re: student loan payoff - press on?

student loan debt = 71k @ 3.5% fixed - the payments are $764/month I am paid ahead on this federal loan and don't technically owe a payment until 2022. I have been paying extra toward this loan over the last 10 months as I have been trying to pay it off aggressively. My only other debt is my home m...
by inbox788
Fri Sep 09, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11627

Re: Who is ready for iphone 7?

I'm a pretty moderate user. First time I had this phone with the same usage rate it lasts me 2 days in between charge. I think upgrading to the new iOS just drains the crap out of my battery. Since iOS 7 my battery has gone down. All my settings is for low battery consumption already. It doesn't bu...
by inbox788
Thu Sep 08, 2016 7:30 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11627

Re: Who is ready for iphone 7?

I am ready to upgrade to iphone6s from iphone5c. Trouble is I can't get a good deal on 6s. I thought Apple dropped the price but I still see the best buy selling at the non-dropped price. Does anyone know where to get the 6s for cheap now. Apple store had it for 549 (32G memory) but it says all sol...
by inbox788
Thu Sep 08, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: Breaking the iPhone cycle - Any Macbook users with Android Phones?
Replies: 49
Views: 3600

Re: Breaking the iPhone cycle - Any Macbook users with Android Phones?

On android, I've always gotten the flagship phone, the one that was $200 plus a contract. The S4, LG G3, etc. If you're going down the path of Android upgrade cycles, you can take a look at recent flagship LG units refurbished (i.e. used) go for $105 for a G3 and $140 for a G4. The G4 is fairly sim...
by inbox788
Thu Sep 08, 2016 4:14 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11627

Re: Who is ready for iphone 7?

For the people who have old iPhone models, haven't you experienced a major decrease in battery capacity? By design, iPhones are designed for 500 cycles retaining 80% capacity. However, I think they've been adding beyond that without committing to the specifications. The type of usage also impacts t...
by inbox788
Thu Sep 08, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11627

Re: Who is ready for iphone 7?

BTW... Apple needs to pay their taxes. ... No more apple stuff for me... OT, but the taxation issue is far more complicated than it seems. Ironically, US Taxpayers could be the ones paying it, not Apple. https://www.yahoo.com/news/us-taxpayers-could-end-covering-000000874.html But this negative PR ...
by inbox788
Thu Sep 08, 2016 12:43 pm
Forum: Personal Consumer Issues
Topic: Breaking the iPhone cycle - Any Macbook users with Android Phones?
Replies: 49
Views: 3600

Re: Breaking the iPhone cycle - Any Macbook users with Android Phones?

Considering breaking out of the iPhone "ecosystem" for a more cost effective alternative. We have two iPhone "6" models and are looking for something newer with more storage. Typically when our iPhones are 2 years old, as they are now, the batteries start losing charge capacity....
by inbox788
Wed Sep 07, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: Should I upgrade my 6 year old plasma TV?
Replies: 81
Views: 5053

Re: Should I upgrade my 6 year old plasma TV?

Old plasma TVs are quite power-hungry, a new one might save a bit on your electric bill (not just the TV itself, also reduced air conditioning). While true on both counts, that's reaching for excuses to buy something one wants to buy. There was a time those projection TVs used to take up 2-3 feet o...

Go to advanced search