Search found 21 matches

by stimulacra
Thu Apr 20, 2017 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Mid-Cap Value Index Fund Admiral
Replies: 12
Views: 1121

Re: Vanguard Mid-Cap Value Index Fund Admiral

I hold some at about 5% of my total portfolio. It's done well in the past, it might do well in the future.

I have it for tilt (ditto with Small-Cap Value and Emerging Market) but other than that I don't pay too much attention to it except during rebalancing.
by stimulacra
Thu Apr 13, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Owe $4k in taxes / Got $4k room left in IRA contribution limit
Replies: 6
Views: 915

Re: Owe $4k in taxes / Got $4k room left in IRA contribution limit

Just filed my taxes today. Was able to take more deductions than I initially thought.

Ended up maxing out my IRA for 2016 and owing the IRS $700 in taxes.

Definitely intend to max out all available tax-advantaged accounts for the remainder of 2017.

I appreciate everyone's feedback.
by stimulacra
Wed Apr 05, 2017 9:35 am
Forum: Investing - Theory, News & General
Topic: Apple breaks its silence
Replies: 24
Views: 4445

Re: Apple breaks its silence

Yes, only. 10% is quite a small portion (though not insignificant) of their business. and if Mac pro is 10% of 10% (don't know where that number came from) well then... it is almost insignificant to them. :beer From the Daring Fireball website: “Even among pro users, notebooks are by far the most p...
by stimulacra
Tue Apr 04, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: Apple breaks its silence
Replies: 24
Views: 4445

Re: Apple breaks its silence

Yeah I read that if Apple spun off its Mac division (aka Lenovo) it would be a Fortune 100 company in its own right. A big part of this is Apple's organizational structure, it's very functional in nature versus the typical conglomerate (divisional) structure for a company it's size. It allows it to ...
by stimulacra
Tue Apr 04, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: Apple breaks its silence
Replies: 24
Views: 4445

Re: Apple breaks its silence

I think the halo effect of Apple's Mac desktop line has EVERYTHING to do with their little kimono lift with Mac bloggers and tech influencers. True, the Mac Pro might represent a less than 10% of all Macs sold, which themselves are only a small fraction of all Apple devices sold, but I think they're...
by stimulacra
Mon Apr 03, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 7281

Re: Is anyone decreasing % of bonds this year?

Increasing. From 25% to 30%.

Split between Total bonds and corporate. Might do TIPs for 1/3.
by stimulacra
Mon Apr 03, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 24381

Re: Low-earners- What is your profession?

Graphic designer, $80k/year, living near downtown Houston.
by stimulacra
Thu Mar 30, 2017 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 80
Views: 11129

Re: Currently have $700,000 at 26 years old get $100,000 a year

I'm not working toward a career right now. I'm just enjoying the things I enjoy doing, which isn't anything extravagant (Starbucks, browsing the web, making music playlists on YouTube, dating and trying to find a girlfriend, staying in shape, and so on) Financially it looks like you're set. I think...
by stimulacra
Thu Mar 09, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Owe $4k in taxes / Got $4k room left in IRA contribution limit
Replies: 6
Views: 915

Re: Owe $4k in taxes / Got $4k room left in IRA contribution limit

Can you just transfer the money from your (of course you have one...) emergency fund and then build that back up over the year, kind of repurposing it? I think that's my plan. I've already dipped into it twice already this year (auto repair / overseas remittance) and was replenishing it slowly. In ...
by stimulacra
Thu Mar 09, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Owe $4k in taxes / Got $4k room left in IRA contribution limit
Replies: 6
Views: 915

Owe $4k in taxes / Got $4k room left in IRA contribution limit

Hi everyone. That time of the year again. I didn't withhold enough from my taxes for 2016 so owe roughly $4k in taxes. Trying to maximize all my deductions and it looks like if I maximize my contributions to my traditional IRA (I've contributed $1,500 in 2016) it'll roughly cut my tax bill by a thir...
by stimulacra
Mon Mar 06, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 116
Views: 9923

Re: Did you buy SNAP?

SnapChat doesn't really offer anything that Facebook won't offer in the very near future but with larger network effects. My 14 year old loves snapchat, and has less than zero interest in facebook. Facebook is for 40 year olds. I don't see how snapchat will monetize their eyeballs, and in 8 years, ...
by stimulacra
Mon Mar 06, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 116
Views: 9923

Re: Did you buy SNAP?

No. Seems way overvalued for what you're getting. Zero voting rights. SnapChat doesn't really offer anything that Facebook won't offer in the very near future but with larger network effects. If I had play money to deploy I would probably be looking at some tech or retail tickers that's been having ...
by stimulacra
Fri Feb 24, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Market Bonds: Is there any reason to choose VGAVX over VWOB?
Replies: 1
Views: 174

Emerging Market Bonds: Is there any reason to choose VGAVX over VWOB?

Greetings, I'm interested in purchasing Vanguard Emerging Markets Government Bond Index Fund Admiral Shares (VGAVX) but it has a purchasing fee of 0.75% in addition to the 0.35% expense ratio. The ETF equivalent appears to not have that fee. Should I go with the ETF version instead? For index funds ...
by stimulacra
Wed Feb 22, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: Does anyone own gold?
Replies: 114
Views: 9464

Re: Does anyone own gold?

Yes, 3% in ETF form (GLD) 3% in bullion form 6% of total allocation. As the value goes up or down, I rebalance whenever I need to (easier to do with the ETF). I use it as a hedge in my portfolio… insurance policy against catastrophe. I have no emotional investment in it past that. It helps me stay t...
by stimulacra
Tue Jan 31, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: what do you do to avoid the advertising noise?
Replies: 45
Views: 2669

Re: what do you do to avoid the advertising noise?

I use multiple browsers. Each browser has a specific role and function that works for me: 1) Safari: Logged in to Facebook and other SM profiles. Also used for checking financial accounts and various Apple/iCloud services. Default search engine here is DuckDuckGo, will only use Google if I want to l...
by stimulacra
Fri Jan 27, 2017 4:44 pm
Forum: Investing - Theory, News & General
Topic: The market knows, except for mutual funds
Replies: 39
Views: 3521

Re: The market knows, except for mutual funds

The phrase “picking up nickels in front of steamrollers” comes to mind.

How would you know if a price decline on a security was just a momentary blip or something more intrinsic to the underlying business? How would you be able to act on it in time?
by stimulacra
Thu Jan 12, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: VW Diesel Buyback -- how fast?
Replies: 13
Views: 1205

Re: VW Diesel Buyback -- how fast?

Completed the paperwork earlier this week and uploaded it. Got a dealership date to turn my car in on February 16th. The car (2012 Passat TDI) is parked at my apartment till then. Ended up getting a 6 year old Audi station wagon to drive around. The whole process dragged on from my POV, a lot of it ...
by stimulacra
Thu Jan 05, 2017 3:29 pm
Forum: Investing - Theory, News & General
Topic: What is your age, asset allocation and total return year to date?
Replies: 15
Views: 1279

Re: What is your age, asset allocation and total return year to date?

kosomoto wrote:My return:
According to the Vanguard personal performance page my return was 10.6% but that seems too high. Does anybody know how to read it properly?


That's probably “Since Inception”

You can toggle the view underneath the graph to show 1 year or YTD.
by stimulacra
Thu Jan 05, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Good time for VGPMX? [Vanguard Precious Metals And Mining]
Replies: 18
Views: 1987

Re: Good time for VGPMX? [Vanguard Precious Metals And Mining]

I've owned it in the past (3% weighting), didn't seem to offer any value in my portfolio at the time (Employer 401k). Switched over to Gold ETF's (GLD, IAU) at 5% weighting and it does offer a reassuring counterbalance to stocks and bonds (enough for me to sleep well at night). Thinking about eventu...

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