Search found 1271 matches

by finite_difference
Sat May 25, 2019 2:36 am
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 118
Views: 10869

Re: Is the housing market starting to collapse?

I can think of the following pros/cons of RE (again, California not included): Pros: -Interest rates higher but historically not that high, and look like they won’t rise significantly -Immigration (more demand) -Economy seems stable -REITs received favorable tax treatment. Cons: -SALT deduction capp...
by finite_difference
Sat May 25, 2019 1:49 am
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 118
Views: 10869

Re: Is the housing market starting to collapse?

GKSD wrote:
Thu May 23, 2019 11:16 pm
Doesn't feel like it in my neck of the woods (southern California). Good homes are going within a weekend, at asking price or higher. Job market is tight and strong, mortgage rates are low. Seems like plenty of demand out there.
When it comes to RE collapse, California doesn’t count. :beer
by finite_difference
Sat May 25, 2019 1:48 am
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 118
Views: 10869

Re: Is the housing market starting to collapse?

Market still on a roll here in Utah. According to Zillow's estimate, our house is worth 23% more than it was when we bought it a year-and-a-half ago. Yup. We bought for $190k December 2015 and Zillow estimate is now $255k. Does that price include or not include the unconstitutional alcohol permit? ;)
by finite_difference
Sat May 25, 2019 1:36 am
Forum: Personal Consumer Issues
Topic: Windows for Noise Reduction
Replies: 32
Views: 1984

Re: Windows for Noise Reduction

Goal33 wrote:
Fri May 24, 2019 2:58 pm
123 wrote:
Fri May 24, 2019 2:02 pm
I think linux is quieter. Depends on the vintage of your processor and hard drive mostly.
:twisted:
It also depends on your fans. If you have too many, they form a crowd, and that makes a lot of noise when you’re trying to sleep.
by finite_difference
Sat May 25, 2019 1:26 am
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 170
Views: 17170

Re: Bogle "5% Gold"

I invest in stocks and bonds only. I consider gold to be a speculative bet with a volatile, real return of 0% (not counting storage and transaction costs). You can buy a Series I Savings bond that will return 0.5% real with no volatility, no storage costs, and no transaction costs. I suppose if I w...
by finite_difference
Fri May 24, 2019 4:24 pm
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 170
Views: 17170

Re: Bogle "5% Gold"

*Ask a Venezuelan if it is worthwhile to have a little gold. I am a Venezuelan. I do not think that it is at all worthwhile to have a little gold. Venezuelans are NOT using gold as an alternate currency right now, and no Venezuelan would have the faintest clue of what a fair price for a gold coin w...
by finite_difference
Fri May 24, 2019 2:12 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 1832
Views: 125442

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

If I set this up in M1 Finance do I still have to click a button?

Because I don’t want to click a button.
by finite_difference
Fri May 24, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: New furnace and air conditioner
Replies: 20
Views: 1986

Re: New furnace and air conditioner

I got my first formal quote from the original company. $6,400 for both. 13 SEER AC and 80% efficiency variable speed furnace. Seems reasonable. Another company over the phone said informally, probably $6,500-7,000. The one thing the owner of the company told me that surprised me is that annual "cle...
by finite_difference
Fri May 24, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 5551

Re: Best small AWD to 'drive into the ground'

The Subaru is the best bet by far for value, reliability and AWD performance. https://www.youtube.com/watch?v=2OzK-oRPCbs Good info if your buying a 2008 model year car.:) In 2016: Mazda is clearly better: https://www.youtube.com/watch?v=2OzK-oRPCbs . After all there is no way a youtube video could...
by finite_difference
Fri May 24, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 5551

Re: Best small AWD to 'drive into the ground'

These issues didn't turn you off to Subaru? I've been considering a Forester, but I've read about those problems. The premise of this thread is that it is economical to drive an AWD car into the ground. Maybe it is in some environments, but we don't do that anymore. We've driven pre-1995 (pre head ...
by finite_difference
Wed May 22, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Why Do Homeowners Have Higher Net Worths than Renters?
Replies: 30
Views: 2354

Re: Why Do Homeowners Have Higher Net Worths than Renters?

Statistics show that homeowners have net worths 44x greater than renters. Renting on this site seems to be better sometimes than home ownership and all the costly maintenance / repairs that go with it. But why is net worth still so much higher for homeowners compared to renters? Do you have a sourc...
by finite_difference
Wed May 22, 2019 9:13 am
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 45
Views: 3513

Re: Federal Gov't Early Retirement?

If you retire before age 57, you lose FEHB health insurance forever. The exception would be if your agency happens to offer an early retirement buyout program (VERA), but I think those are few and far between. Since you already have 10 years of service, if you retire at 52 you would still be eligib...
by finite_difference
Wed May 22, 2019 9:09 am
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 45
Views: 3513

Re: Federal Gov't Early Retirement?

Dear Friends, Any Federal Gov't workers here retire early without putting in 30 years? I'm 42, accumulated about 10 years in FERS, and is hoping to retire in about 10 more (if my savings and the markets stay on course). What was your experience like? Did you have to find supplemental health insuran...
by finite_difference
Mon May 20, 2019 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17667

Re: High net worth, elite private or “good” public

Get the best education that money can buy if you can afford it. Potentially the highest lifetime returns per dollar spent. :D I generally agree with this, but paying $30k per year for 13 years (K-12) seems like a steep cost to recover, if you can get basically the same thing for free (not really fr...
by finite_difference
Mon May 20, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17667

Re: High net worth, elite private or “good” public

Speaking as a retired professor my belief is that education money is best spent on a great K-12 education. Most parents send their kids to a convenient school for K-12 and then save to pay for an expensive college. The kids who get a great K-12 education will likely do very well in college and late...
by finite_difference
Sat May 18, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Crazy to Sell a Newer Car for an Older Car?
Replies: 49
Views: 2892

Re: Crazy to Sell a Newer Car for an Older Car?

So you considering selling a car that your parents have paid for to buy a cheaper one and invest the difference? First, there are transition costs so it won't be as lucrative as you think. Second, if I am understanding this situation correctly, IMO this should be your parent's decision. That’s corr...
by finite_difference
Sat May 18, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17667

Re: High net worth, elite private or “good” public

Get the best education that money can buy if you can afford it. Potentially the highest lifetime returns per dollar spent. :D I generally agree with this, but paying $30k per year for 13 years (K-12) seems like a steep cost to recover, if you can get basically the same thing for free (not really fr...
by finite_difference
Sat May 18, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17667

Re: High net worth, elite private or “good” public

Private. Attending the private school was a life-changing event for one of my kids, and an improvement in the life of the other. This is in spite of the fact that the public school in our area was a very well regarded public school system, frequently ranked among the best in the nation. But, they w...
by finite_difference
Fri May 17, 2019 8:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10846
Views: 1893157

Re: U.S. stocks in free fall

A paper loss, that is a temporary reduction of the value of your stock (Total Stock Market ETF), is not the same as an actual loss of stock. Because the stock value is expected to recover its price faster than any other known financial instrument. Whereas an actual loss of the stock (I.e. through d...
by finite_difference
Fri May 17, 2019 8:08 pm
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3065

Re: Synthetic oil or not for very low mileage auto?

badger42 wrote:
Fri May 17, 2019 10:02 am
Synthetic and chance once a year. It'll give better protection for an infrequently driven car, and the marginal cost is minimal.
+1.
by finite_difference
Thu May 16, 2019 9:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10846
Views: 1893157

Re: U.S. stocks in free fall

I will never understand the "it's not a loss unless you sell and lock it in" crowd. A paper loss IS a loss. It's quite baffling. I can only assume that some of it is just a psychological game people play and some of it is created by how the government taxes capital gains. It's probably hopeless but...
by finite_difference
Thu May 16, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1025
Views: 145361

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Solution 1: pretend your CRV is a 2-stroke outboard motor.

Solution 2: sell it and get a hybrid or EV.
by finite_difference
Tue May 14, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: PSA: Do you have working carbon monoxide detectors?
Replies: 44
Views: 2336

Re: PSA: Do you have working carbon monoxide detectors?

For the case in question, it sounded like it was caused by an incorrectly installed or designed tankless water heater. It was a DIY job too I think. If you are going to DIY a water heater or furnace or AC or stove, etc. make sure you get it inspected by a professional and get the necessary permits a...
by finite_difference
Sun May 12, 2019 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Move out or stay at my parents?
Replies: 70
Views: 4756

Re: Move out or stay at my parents?

Call me old fashioned but I think a man needs to stand on his own two feet by 28. Also call me old fashioned but the girls who are cool with a 28yo guy still living in his parents’ basemen are not the girls you’ll want to keep around. You said it better than me. :sharebeer Not so sure about that. P...
by finite_difference
Tue May 07, 2019 11:59 pm
Forum: Personal Consumer Issues
Topic: What kind of Replacement A/C would you get ??
Replies: 51
Views: 4643

Re: What kind of Replacement A/C would you get ??

Get quotes for a few different SEER options. I would get at least SEER 14. Since you’re in Florida, that should pay for itself in 10 years or less.
by finite_difference
Tue May 07, 2019 11:52 pm
Forum: Personal Investments
Topic: Intermediate-Term Tax-Exempt (VWIUX) vs CDs
Replies: 20
Views: 3181

Re: SEC Yield VS Distribution Yield

Grabiner and Kevin M have explained the differences over the years. I still haven't internalized it or truly understood. Another discussion with the same subject...Grabiner first...then Kevin M...2 posts down https://www.bogleheads.org/forum/viewtopic.php?p=4506126#p4506126 Many believe that SEC yi...
by finite_difference
Tue May 07, 2019 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Walk away from my auto lease?
Replies: 154
Views: 7354

Re: Walk away from my auto lease?

If you didn’t abuse the car, I would fight it tooth and nail. If not make and model, what about just make? Can probably still get good advice. Also, that will let me avoid that brand. Have you always leased from this place with no prior issues? Seems very strange they would risk severing their relat...
by finite_difference
Tue Apr 30, 2019 10:04 pm
Forum: Personal Investments
Topic: Intermediate-Term Tax-Exempt (VWIUX) vs CDs
Replies: 20
Views: 3181

Re: Intermediate-Term Tax-Exempt (VWIUX) vs CDs

Can anyone tell me which one is better in taxable account, VMMXX or VWIUX State:NY Which would you pick and why. These two are not comparable. You need to first decide whether you want a money-market fund or a bond fund, and then pick one for tax reasons. What's different between money-market fund ...
by finite_difference
Tue Apr 30, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Minivan alternatives?
Replies: 48
Views: 3024

Re: Minivan alternatives?

The Ford Transit Connect passenger van (long-wheelbase version) could work and would get superior MPG than the 'typical' minivans. Starts at about $27k. A gas Transit would give more MPG than a typical minivan? Surprisingly, yes: Transit Connect Long wheelbase FWD: 24/29/26 Honda Odyssey: 19/28/22 ...
by finite_difference
Tue Apr 30, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year
Replies: 55
Views: 7878

Re: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year

I don't get the obsession with beach towns. There are so many parts of the greater Phoenix area that one can live comfortably in retirement on $40,000/year and the weather is perfect 365 days a year. I can live without going in the water -- and when I'm golfing, I prefer to stay out of it anyway. S...
by finite_difference
Tue Apr 30, 2019 4:49 pm
Forum: Personal Investments
Topic: Sitting on $1.5m cash - need help
Replies: 48
Views: 11174

Re: Sitting on $1.5m cash - need help

finite_difference wrote: ↑ 1. I would buy a $1,000,000 house and put the rest in Total US Stock Market or Total World and Total Bond. You can get a very nice house in a great area for $1m. You will also save a ton on property tax and mortgage interest. 2. Choose a house that reduces your commute as...
by finite_difference
Tue Apr 30, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Minivan alternatives?
Replies: 48
Views: 3024

Re: Minivan alternatives?

We didn’t go with the hybrid because it doesn’t offer the sto and go seating because of the batteries. Total deal breaker for us... As cool as stow and go seating is, the hybrid option is way cooler in my opinion. The hybrid capability sets the Pacifica apart from the Odyssey and Sienna, but all ar...
by finite_difference
Mon Apr 29, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why do most people hate/dread learning about money and is there a good book for helping them?
Replies: 78
Views: 4883

Re: Why do most people hate/dread learning about money and is there a good book for helping them?

I think one reason (actually I think the main reason) is that no sense can be made of financial matters without doing some math and most people choose to avoid that whenever possible. In addition, as you say, if they do some math they do it badly. It might be some people just don't want to deal wit...
by finite_difference
Sat Apr 27, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 275
Views: 26229

Re: "The best and worst U.S. states for retirement"

I wish money magazine kept that website going. Is there any other website you have found with similar capabilities? I think my number 1 would be weather/climate, 2 affordability (including taxes), 3 decent healthcare, 4 desired activities available (astronomy/computer club, Tai Chi master, beach or...
by finite_difference
Sat Apr 27, 2019 9:56 am
Forum: Personal Investments
Topic: Sitting on $1.5m cash - need help
Replies: 48
Views: 11174

Re: Sitting on $1.5m cash - need help

1. I would buy a $1,000,000 house and put the rest in Total US Stock Market or Total World and Total Bond. You can get a very nice house in a great area for $1m. You will also save a ton on property tax and mortgage interest. 2. Choose a house that reduces your commute as much as possible while also...
by finite_difference
Fri Apr 26, 2019 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: 10 minutes worth $300K?
Replies: 61
Views: 8399

Re: 10 minutes worth $300K?

quantAndHold wrote:
Fri Apr 26, 2019 6:46 pm
I wouldn’t choose either house. Both commutes are too long.
+1 if the commutes are both driving.

Otherwise, if it’s a train or subway for example, I would pick the neighborhood you like best, although bonus points to the one with a shorter commute.
by finite_difference
Sun Apr 21, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9409

Re: Luxury car recommendations?

Lexus, Acura, Infiniti, Genesis. If you buy lightly used, you should be able to get a great deal.

Personally I don’t mind driving a “senior” car. I generally have great respect for senior citizens!
by finite_difference
Sat Apr 20, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3626

Re: Windows 7 end of support - Jan 14, 2020

Over the years, Microsoft has earned my respect. Although I am a proponent of Linux, Microsoft has always treated poor students fairly (pirates), makes a solid office product (including for Mac), and has not had any privacy scandals. I trust Microsoft more than I trust Google with my data. So to tho...
by finite_difference
Wed Apr 17, 2019 11:50 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6574

Re: What is your hobby and how did it come to be your hobby?

Skiing: Would love to but live in an area without snow. Kungfu: A life long dream is to become a “master”. Probability: low. Video games, TV shows and movies: Entertainment. Reading Bogleheads: Financial fix. Reading books: Should work less, read more. Learning languages: 2.2/8 learned. Inactive/rud...
by finite_difference
Wed Apr 17, 2019 11:35 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6574

Re: What is your hobby and how did it come to be your hobby?

Phineas J. Whoopee wrote:
Tue Apr 16, 2019 4:42 pm
I direct Shakespeare plays. How it came to be is too long to relate.

It's a hobby because I seldom get paid very much.

PJW
Prithee tell!
by finite_difference
Wed Apr 17, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 7941

Re: I’m a Loser Stuck in a Dead End Job

Complete your Bachelor’s, perhaps in CS, and then apply for coding jobs? Sounds like you like to code so the sky is the limit.
by finite_difference
Sun Apr 14, 2019 6:54 pm
Forum: Investing - Theory, News & General
Topic: 700 Years of Falling Interest Rates, 1310-2018
Replies: 56
Views: 6175

Re: 700 Years of Falling Interest Rates, 1310-2018

Of course, that might not include the East. Would be interesting to see world GDP weighting by regions for the past 5k years. There has been trade and merchants for some time. Here's 2000 years. The horizontal scale is unfortunate but its the only chart I've seen around. https://cdn.theatlantic.com...
by finite_difference
Sun Apr 14, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: How to get rid of musty smell in house
Replies: 17
Views: 1551

Re: How to get rid of musty smell in house

When it rains a lot or gets very humid my house and especially my garage smells slightly musty. I think part of the problem is hanging too many damp things out to dry and possibly having the house get too hot while we’re away. Any tips for getting rid of the smell? You often hear about the new car ...
by finite_difference
Sun Apr 14, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: How to get rid of musty smell in house
Replies: 17
Views: 1551

Re: How to get rid of musty smell in house

What kind of HVAC system do you have? Do you have ducts in your crawl? If so, what kind and how old are they? We had the soft kind of ducts in our crawl, which had deteriorated by 30 years, and replacing them helped tremendously with AQ. It cost around $2k, which was a bargain in my opinion and I w...
by finite_difference
Sun Apr 14, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: How to get rid of musty smell in house
Replies: 17
Views: 1551

Re: How to get rid of musty smell in house

When it rains a lot or gets very humid my house and especially my garage smells slightly musty. I think part of the problem is hanging too many damp things out to dry and possibly having the house get too hot while we’re away. Any tips for getting rid of the smell? You often hear about the new car ...
by finite_difference
Sun Apr 14, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: How to get rid of musty smell in house
Replies: 17
Views: 1551

Re: How to get rid of musty smell in house

What kind of HVAC system do you have? Do you have ducts in your crawl? If so, what kind and how old are they? We had the soft kind of ducts in our crawl, which had deteriorated by 30 years, and replacing them helped tremendously with AQ. It cost around $2k, which was a bargain in my opinion and I wi...
by finite_difference
Sat Apr 13, 2019 9:42 pm
Forum: Investing - Theory, News & General
Topic: 700 Years of Falling Interest Rates, 1310-2018
Replies: 56
Views: 6175

Re: 700 Years of Falling Interest Rates, 1310-2018

Italy 80% of economy in 1400 ?? Italy had the only banks for 100s of years. Makes perfect sense that all real money would funnel through there. I don’t think it’s fair to say they had the only banks, but Italy was at the forefront of a new renaissance in banking. And that’s down all the way to 80% ...
by finite_difference
Sat Apr 13, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 140
Views: 9049

Re: fun car advice

Subaru WRX STI, Lexus IS.
by finite_difference
Thu Apr 11, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house next year. Wife wants a big house. Thoughts?
Replies: 104
Views: 8645

Re: Buying a house next year. Wife wants a big house. Thoughts?

No difference in commute? I think 3k sqft is plenty for 4 people. If you had more like 6 then could consider upping that, but otherwise I’d try to go for nicer but smaller. And less commute. I’d rather have a well-maintained 3k sqft house than a less well-maintained 5k sqft house. It might not cost ...
by finite_difference
Wed Apr 10, 2019 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17705

Re: Bogleheads, why wont anyone hire me?

jb1 wrote:
Tue Apr 09, 2019 9:42 pm
finite_difference wrote:
Tue Apr 09, 2019 9:40 pm
Have you tried working with a recruiter or two?

LinkedIn?
Yes, and to be honest its all factory jobs where I am at.

Perhaps real estate agent is my turning point.
Are you not willing to relocate to somewhere with jobs?