Search found 2163 matches

by inbox788
Thu May 05, 2016 2:34 pm
Forum: Investing - Theory, News & General
Topic: Backtesting David Swensen Lazy Porfolio against Three Fund
Replies: 25
Views: 1175

Re: Backtesting David Swensen Lazy Porfolio against Three Fund

Don't know why I'm getting different results for BH3 than you're reporting. Difference for me between Swensen Lazy and BH3 is much smaller, and I think you're looking at Yale Endowment. Did you test the Three Fund at 50% US STOCK / 20% INTL / 30% BOND? No, I left it default (didn't notice the switc...
by inbox788
Thu May 05, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 38
Views: 3242

Re: Just called Directv and saved $600 for one year

Some cable companies are catching on about this. Last time I tried doing the same they told me they are sorry to see me leave and asked me when my service want to be cut... The correct answer is TODAY. The sooner you become a past customer, the sooner you qualify for return customer specials and ev...
by inbox788
Thu May 05, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 439
Views: 44372

Re: High Earners - What's Your Profession?

I find medicine a fascinating field in that the more rural and disconnected you are willing to live, the more you (usually) make, whereas people who choose to live in the expensive urban areas (usually) take a huge pay cut in return. It's like the exact opposite of every other profession I can thin...
by inbox788
Thu May 05, 2016 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Gift stock to charity. No cost base data.
Replies: 4
Views: 211

Re: Gift stock to charity. No cost base data.

I've done exactly that. Rather than guess or try to find really old cost basis, it was simpler to just give it away and get the tax benefit. I used Fidelity Charitable to do the donation and they send me the required tax form so it's well documented.
by inbox788
Thu May 05, 2016 12:15 pm
Forum: Investing - Theory, News & General
Topic: Backtesting David Swensen Lazy Porfolio against Three Fund
Replies: 25
Views: 1175

Re: Backtesting David Swensen Lazy Porfolio against Three Fund

CAGR was 10.46% for Swensen as listed above and 9.96% for Three Fund from 1972-2015 with a 70/30 split (50%US/20%Intl). Standard deviation was 11.98% for Swensen and 12.91% for the Three Fund. Final balance for Three fund was $602,201 and final balance for Swensen was $797,481. I compared the 1) Da...
by inbox788
Thu May 05, 2016 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Making my own German index "fund"
Replies: 27
Views: 978

Re: Making my own German index "fund"

And even Deutsche Telekom as much of it's operations (T-mobile in the US, for example) outside of Germany. Maybe. If I recall correctly half of their subscribers are outside of Germany, but 2/3rd of their revenue and profit are withing Germany. They have more or less saturated their home market, so...
by inbox788
Wed May 04, 2016 10:56 pm
Forum: Personal Consumer Issues
Topic: acura lease or refinance
Replies: 3
Views: 318

Re: acura lease or refinance

Depends on the numbers. What was your original down and monthly payment? Residual? What will your new down and monthly payment look like on a lease vs. financing the residual? If I recall, 2014 was a new model year, so a 2017 isn't a major change. For the most part, it will be cheaper to finance the...
by inbox788
Wed May 04, 2016 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Family member asks my advice about Employee Stock Purchase Plan
Replies: 18
Views: 1225

Re: Family member asks my advice about Employee Stock Purchase Plan

The ticker symbol is EVDY. The employee stock discount is 15%. That's all I really know. So far the few people responding seem to think these plans are often a good deal. And they may well be. But for a young, starting-out investor with few investments, it sill means putting a big bet on one horse....
by inbox788
Wed May 04, 2016 6:18 pm
Forum: Personal Consumer Issues
Topic: Fingernail Polish on my carpet, call leasing office?
Replies: 6
Views: 657

Re: Fingernail Polish on my carpet, call leasing office?

Depending on size if you have identical carpet in a closet cut a small swatch and replace If it's a big chunk of stain, it's possible you could carefully peel and cut it off without much damage. Maybe use a razor scraper. Depending on how good a match you have, you could cut out 2 patches. Transpla...
by inbox788
Wed May 04, 2016 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Family member asks my advice about Employee Stock Purchase Plan
Replies: 18
Views: 1225

Re: Family member asks my advice about Employee Stock Purchase Plan

A close family member has asked my advice about whether to participate in a "Employee Stock Purchase Plan (ESPP)." Why don't you send them here? Or get the facts about the ESPP to make an informed decision? Some ESPP programs can be good, others bad. Which choice is best? 1) Invest in ESP...
by inbox788
Wed May 04, 2016 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Should I pay back my parents back for paying for some my college costs
Replies: 58
Views: 4409

Re: Should I pay back my parents back for paying for some my college costs

If I repaid them for college, then they could ask for back rent for the years I lived at their house after age 18. Then it could be the Christmas gifts I received over the years. Where do you draw the line? I doubt they would go that far but you never know. Why start at age 18? If it gets that far,...
by inbox788
Wed May 04, 2016 11:17 am
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 79
Views: 3163

Re: How many funds in your portfolio?

Too many! I've been on a diet and eliminating funds (and individual stocks), so what started at over 20 is probably down to about 10 now, and 3 more are in the cutting room. One of my retirement accounts doesn't have a total us market so I used sp500/mid cap/small cap to replicate. Should I consider...
by inbox788
Wed May 04, 2016 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Almost perfect credit score (FICO from Amex)
Replies: 30
Views: 2723

Re: Almost perfect credit score (FICO from Amex)

One trick that has been reported is this: Note your closing date each month and pay off all but $5 about a week before. When the card closes, it makes it (correctly) appear that your balance is only $5. Yet you get the benefit of using the card almost the same as if you just paid each month after s...
by inbox788
Wed May 04, 2016 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Almost perfect credit score (FICO from Amex)
Replies: 30
Views: 2723

Re: Almost perfect credit score (FICO from Amex)

I don't think "low credit card utilization" raises your score.... FICO > 830. Three credit cards - two of which haven't seen a charge in a long time. No, but high credit card utilization (>30) is commonly quoted as being hurtful. Do you carry a mortgage or other installment loan? Six cred...
by inbox788
Tue May 03, 2016 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Making my own German index "fund"
Replies: 27
Views: 978

Re: Making my own German index "fund"

When an individual index investor makes a decision to invest, price isn't usually part of the rationale. The conventional wisdom is invest today for the long term Let's say your thesis is that Germany is half as risky as Indonesia. Yet for German shares you pay 3x more for the same return. You're m...
by inbox788
Tue May 03, 2016 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Making my own German index "fund"
Replies: 27
Views: 978

Re: Making my own German index "fund"

Germany actually has a ratio of .7 now and it's dropping. Scandanavian countries are now running deficits last I checked. To those wondering why I care about public debt, studies have shown high debt levels hinder economic growth. Also, having a budget surplus allows them to take in my immigrants w...
by inbox788
Tue May 03, 2016 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Making my own German index "fund"
Replies: 27
Views: 978

Re: Making my own German index "fund"

I don't know how using those Germany based ETFs would give you a good German Total Domestic Market Index. Trying to juggle the different ETFs, their composition, and their changes would be challenging. There are threads on using Motifs to replicate the SP500 and other index funds. You may try the sa...
by inbox788
Tue May 03, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Almost perfect credit score (FICO from Amex)
Replies: 30
Views: 2723

Re: Almost perfect credit score (FICO from Amex)

My score (according to the AmEx website) is 850. I have no idea how I achieved that, but I'm worried -- the only way I can go is down!). :wink: A+! Overachiever! Would you mind sharing your secrets? How many credit cards and age of accounts? Do you have a mortgage or any other loans? I'll assume pe...
by inbox788
Tue May 03, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Almost perfect credit score (FICO from Amex)
Replies: 30
Views: 2723

Re: Almost perfect credit score (FICO from Amex)

Have several credit cards that have long histories. How many? How old? What's your AAoA? About half a dozen. Oldest nearly 20 years, average about 9 years according to Credit Sesame. Also, it's reporting a credit utilization rate of 1% and a score of 830 (640-720 Good, 720+ Excellent), but that's n...
by inbox788
Tue May 03, 2016 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Almost perfect credit score (FICO from Amex)
Replies: 30
Views: 2723

Re: Almost perfect credit score (FICO from Amex)

I found that the current balance on my credit cards had a big effect, even though I pay them all off every month. Big? 810 taken down to 775. So I synchronized the closing dates on all my cards, so the due date is about the 17th of the month. Where I live they often have loss-leader impossible-to-g...
by inbox788
Tue May 03, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Almost perfect credit score (FICO from Amex)
Replies: 30
Views: 2723

Almost perfect credit score (FICO from Amex)

I just looked at my FICO credit score, free from Amex ( https://www.nerdwallet.com/blog/credit-cards/american-express-fico-score/ ), and I expected Excellent 800+, but fell short and landed in Very Good 740-799 (790 today vs. 770 a month ago). What is a FICO® Score? Your FICO® Score 8 based on Exper...
by inbox788
Tue May 03, 2016 11:29 am
Forum: Investing - Theory, News & General
Topic: What's a typical pension funding % ?
Replies: 26
Views: 2853

Re: What's a typical pension funding % ?

I also worry about state and local government pension liabilities, but most major corporate pension plans should be adequately protected. The first line of defense is the funding level, which is really just an interest free loan for the company that underfunds it to the max. These annual reporting h...
by inbox788
Tue May 03, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Second IRS Final Notice Filing Law Suit Phone Call
Replies: 19
Views: 2028

Re: Second IRS Final Notice Filing Law Suit Phone Call

When and if they call again, just tell them if they don't stop calling, you won't pay your taxes next year either. :) If you've got the time to waste, tell them stories. Made up stories. Tell them random things. Ask them for advice. They ask for your wife? Say she's in the hospital with cancer. You...
by inbox788
Tue May 03, 2016 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Leasing and renting vs buying cash
Replies: 14
Views: 1068

Re: Leasing and renting vs buying cash

Rich people live in suites at hotels around the world. Extreme renting, but if you've got the cash, do what you want. It can be cheaper to rent than to own at times and in some places. It's all location and time specific. There are rental gluts where and when demand is low. You can often get sublet ...
by inbox788
Tue May 03, 2016 4:04 am
Forum: Investing - Theory, News & General
Topic: "Save $52,000 on Financial Advice" Forbes
Replies: 98
Views: 9756

Re: "Save $52,000 on Financial Advice" Forbes

Gee, now I Really am confused. Bookmarked the home page for future reference. How did you like the meat of the article though? Another problem can be investor bias in that one may look for articles that essentially agree with their investing agenda,..maybe? SeeMoe.. :shock: I think the gist of the ...
by inbox788
Mon May 02, 2016 8:05 pm
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 38
Views: 3242

Re: Just called Directv and saved $600 for one year

There are 3 types of customers. Those that pay $100-200 a month. Those that call in and or switch providers every year that pay $50 per month and those that are sick and tired of all these games and just cancel service altogether.
by inbox788
Mon May 02, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Linux/Windows Boot Problem
Replies: 54
Views: 2603

Re: Linux/Windows Boot Problem

You'd be surprised at what else you can do with Linux. Some Windows programs do work under Linux if you install Wine, though it's easier with higher powered system and Ubuntu. http://www.wikihow.com/Install-Wine-on-Ubuntu . Thanks. I tried to install Wine but ran out of room on the 1 GB drive. I al...
by inbox788
Mon May 02, 2016 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay back my parents back for paying for some my college costs
Replies: 58
Views: 4409

Re: Should I pay back my parents back for paying for some my college costs

They want to live the same standard of living they had when married and stubbornly refuse to downsize. You say they're divorced, but unless they're still living together and doing what they were doing when they were married, financially they just can't maintain their previous standard of living wit...
by inbox788
Mon May 02, 2016 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Should I pay back my parents back for paying for some my college costs
Replies: 58
Views: 4409

Re: Should I pay back my parents back for paying for some my college costs

They never said it had to be paid back although it has been rubbed in my face a few times. Yes, but not with some calculated return of the amount they provided you. I assume they provided you the help with education as part of their parental responsibilities and out of love. You should repay them w...
by inbox788
Mon May 02, 2016 10:56 am
Forum: Investing - Theory, News & General
Topic: "Save $52,000 on Financial Advice" Forbes
Replies: 98
Views: 9756

Re: "Save $52,000 on Financial Advice" Forbes

If you’re managing your own investments, there’s a good chance you’re earning much less than you could be, according to research by DALBAR, a financial services market research firm. Its 2014 Quantitative Analysis of Investor Behavior found that the average investor has underperformed the S&P 5...
by inbox788
Mon May 02, 2016 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Changing investments in taxable accounts
Replies: 4
Views: 330

Re: Changing investments in taxable accounts

You're only taxed on the gains. How much of the $200k is gains? Taxes are one time, while EF are forever and will overtake the taxes! How much is short term vs. long term taxes? What are your tax rates short vs long term? Is it worth waiting 6 months more or less of fees and risk to pay the lower am...
by inbox788
Mon May 02, 2016 3:15 am
Forum: Personal Consumer Issues
Topic: Linux/Windows Boot Problem
Replies: 54
Views: 2603

Re: Linux/Windows Boot Problem

OP here. I think I'll stick with Lubuntu for awhile. It seems to be a good platform to learn on. What is really surprising is that in Lubuntu, I still have access to my Windows files on the hard drive. I don't understand this since I thought there would be sort of a firewall between the two file/op...
by inbox788
Sun May 01, 2016 5:18 pm
Forum: Personal Consumer Issues
Topic: Linux/Windows Boot Problem
Replies: 54
Views: 2603

Re: Linux/Windows Boot Problem

As an aside, what are the other small distros (suitable for old laptops) worth trying? Is there some place that lists distros by size/hardware requirement? Also, would updating the BIOS potentially allow using a larger USB drive and persistence? I asked about the BIOS updating process earlier. It l...
by inbox788
Sun May 01, 2016 4:58 pm
Forum: Investing - Theory, News & General
Topic: "Save $52,000 on Financial Advice" Forbes
Replies: 98
Views: 9756

Re: "Save $52,000 on Financial Advice" Forbes

Been with VPAS nearly a year now, and believe we are, as they advertise, ahead of any fees incurred because of the unique way in which our folios are managed. At our age preservation of capital is the main concern, with some gains. That is occurring too since " we let go, let VPAS" work f...
by inbox788
Sun May 01, 2016 4:37 pm
Forum: Investing - Theory, News & General
Topic: Draining the 529
Replies: 22
Views: 2145

Re: Draining the 529

The kids are 24 and 21. I no longer worry about them, I now get to worry about their choice of partners. I vote for saving it for the grandkids. Once they find a partner and have some kids, college will eventually be on their horizon, and with 2+ decades of growth, it will be a nice headstart towar...
by inbox788
Sun May 01, 2016 12:39 pm
Forum: Investing - Theory, News & General
Topic: Why Are Real Interest Rates So Low Worldwide?
Replies: 86
Views: 7630

Re: Why Are Real Interest Rates So Low Worldwide?

He is holding to his prediction that the US 10-year treasury yield will bottom below 1%. https://ca.finance.yahoo.com/q/bc?s=%5ETNX&t=my&l=on&z=l&q=l&c= http://finance.yahoo.com/echarts?s=%5ETNX+Basic+Chart&t=my#{"range":"max","allowChartStacking&quo...
by inbox788
Sun May 01, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 1358

Re: anyone with experience with car with frontal collision alert?

Testing with cardboard boxes only tests static objects. (I am an engineer) You can ask someone to throw an empty box in the path of the car. Or tie the cardboard box with a long enough rope to another car in front of your car and drag it. (I am an engineer too) :) :shock: If any one tries this, ple...
by inbox788
Sun May 01, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 1358

Re: anyone wiht experience with car with frontal collision alert?

I have a Subaru Outback with eye sight. It's not going to automatically kick in the brakes unless it has to to avoid an accident - which will be last minute and it'll slam on the brakes. I haven't experienced it yet (hope I don't have too) but it's definitely nice to have. The adaptive cruise contr...
by inbox788
Sun May 01, 2016 11:40 am
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 1358

Re: anyone wiht experience with car with frontal collision alert?

Get a wife. She'll alert you to everything whether you need it or not. :wink: wow, it is 2016, i am looking for advice on a car's 2016 technology, not a judgment or prediction on what a passenger of a certain gender would say. I wasn't considering using a passenger as the alert, regardless of their...
by inbox788
Sun May 01, 2016 12:55 am
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 44
Views: 4951

Re: I cannot stop buying...

It's cheaper to borrow books from the library (free minus gas and time to get there and back), but there is one additional thing I find useful by borrowing books vs buying. I have bought way too many books that I've not gotten around to reading and are sitting on my shelf waiting to be read. By borr...
by inbox788
Sat Apr 30, 2016 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: denied Schwab overdraft credit line and trying to understand why
Replies: 21
Views: 1488

Re: denied Schwab overdraft credit line and trying to understand why

One additional thought, if the credit union doesn't report to Equifax, then you only have 2 years of record (open accounts). Reason not to close unused old credit accounts. They do report to Equifax. The list in my OP is from Equifax via Credit Karma. I plan to keep my credit union card open for th...
by inbox788
Sat Apr 30, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: Why Are Real Interest Rates So Low Worldwide?
Replies: 86
Views: 7630

Re: Why Are Real Interest Rates So Low Worldwide?

Japan: inflation came in very low, well below the Bank of Japan (Japan's central bank) target and below market expectations. The BOJ did nothing at today's meeting. That's because there is underlying inflation. Right now it's just masked, in aggregate, by low oil prices, but anyone who has lived he...
by inbox788
Fri Apr 29, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: I'm Addicted [to investing and personal finance]
Replies: 64
Views: 8402

Re: I'm Addicted

One way that I have kept my "addiction" in check is to keep track of my winners, losers, and missed opportunities, and then realizing what I've missed. One that always comes back to me is not buying 500 shares of Google at its IPO auction. I was newly married, no real obligations, had the...
by inbox788
Fri Apr 29, 2016 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Is 7% in cash too much?
Replies: 13
Views: 1779

Re: Is 7% in cash too much?

It's my opinion that the "investment" industry likes to deprecate "cash" because they want you to put your money in their hands rather than in the hands of a bank. Right now, the SEC yield of Vanguard Total Bond is 1.99%, while the APY of the CD I bought in the hometown bank a f...
by inbox788
Fri Apr 29, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Insurance paid me instead of provider
Replies: 4
Views: 490

Re: Insurance paid me instead of provider

How much is the in-network charge? Often it's going to be lower!

I would hold on to the check and try to get the error corrected. Best to tear up the check or send it back to the insurer later after everything is squared away.
by inbox788
Fri Apr 29, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: denied Schwab overdraft credit line and trying to understand why
Replies: 21
Views: 1488

Re: denied Schwab overdraft credit line and trying to understand why

Four currently open accounts and five closed accounts over the last ten years does not seem excessive to me -- and I was an authorized user on three of the five. So what could possibly be going on here? Is it too many accounts or too few? Is there any way to get Schwab to reconsider, and if so how ...
by inbox788
Thu Apr 28, 2016 11:19 am
Forum: Investing - Help with Personal Investments
Topic: HELP - need advisor-leaving advice quick...
Replies: 20
Views: 1476

Re: HELP - need advisor-leaving advice quick...

Really, the last straw came when we were talking and I asked him if everything had been set up to reinvest dividends, as I'm almost sure I'd asked (and as some of my single stock investments had already been set up to do when they were at my self-managed Vanguard account). He said, "No, did yo...
by inbox788
Thu Apr 28, 2016 3:49 am
Forum: Investing - Help with Personal Investments
Topic: AA. Now 70/30. Thinking of 80/20.
Replies: 48
Views: 4805

Re: AA. Now 70/30. Thinking of 80/20.

^ Not sure why you quoted me. I was pointing out this is an old thread. I'm guessing the OP has, after 3 years, already made a decision. Maybe not. The OP might be routinely checking this thread, biting his/her nails and staring at the screen hotly anticipating any new advice. I was gonna throw in ...
by inbox788
Wed Apr 27, 2016 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: AA. Now 70/30. Thinking of 80/20.
Replies: 48
Views: 4805

Re: This thread is nearly 3 years old.

Just in case anyone missed it, this is a a nearly 3 year old thread. Hindsight is 20/20. By my estimation, last 3 years, US stocks are up 30%, World down 5% and Bonds down 2%. Net/net, I think there was about a 2% improvement over the 3 years. No statement of what it means going forward. Now, tilti...
by inbox788
Wed Apr 27, 2016 2:50 pm
Forum: Personal Consumer Issues
Topic: Buy used or new? Which of these small SUVs are best for families?
Replies: 36
Views: 2022

Re: Buy used or new? Which of these small SUVs are best for families?

Thank you all for the replies! I don't have too much time to respond now but wanted to add my only child is under 1, so by the time a third comes along (and big IF on that happening) it would be about 6 years from now so conceivable that we'd get a car with a third row then. We also live in Alaska ...

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