Search found 154 matches

by sillysaver
Sun Dec 16, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my last rental property in major west coast city?
Replies: 10
Views: 714

Re: Should I sell my last rental property in major west coast city?

If you were to buy this property today, what is the price and what rent could you get realistically? If it is like most West Coast markets (I assume California, due the very low property tax assessment), then the cap rates are probably so low that it wouldn't make a very good investment. " Things ar...
by sillysaver
Wed Dec 12, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate the value of a Forever... [investment]
Replies: 10
Views: 1268

Re: How to calculate the value of a Forever...

Rest assured: you can not make any significant amount of money in those 'investments'. Not my intention. I have a portfolio of domain names already. Some of them, like {myname}.com, I plan to own forever. So was just debating whether it was worth $400 to register forever, or if I should pay $13 + a...
by sillysaver
Sun Dec 09, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate the value of a Forever... [investment]
Replies: 10
Views: 1268

How to calculate the value of a Forever... [investment]

Stamp? Domain name? (assuming a certain inflation rate) These seem like attractive purchases, but I'd like a way to quantify the value. Is the value of a Forever ___ greater or less than the cost of purchasing/renewing every year? Surely there must be a financial calculator I could use? Seems simila...
by sillysaver
Sat Dec 08, 2018 9:05 am
Forum: Investing - Theory, News & General
Topic: Do long-term bonds belong in one's portfolio?
Replies: 162
Views: 8254

Re: Do long-term bonds belong in one's portfolio?

Diversifying across different asset classes and sources of return makes sense. Having some long term bonds allows one to capture the term premium, and LT bonds do well in deflation. So, you own some long term, some intermediate and short duration, and of course, assets like equities that do well in ...
by sillysaver
Sat Dec 08, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12615

Re: Who else is getting excited? [about the market]

I'd be excited if we just opened down 50% on Monday. That would be the opportunity to buy shares at lower prices. A long, slow grind lower, with deceptive rallies along the way, is just confusing and nerve-wracking. Probably best not to follow financial news for now. Also, I've been thinking about c...
by sillysaver
Thu Nov 22, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Tiny Baby Spiders on my Toaster
Replies: 40
Views: 3049

Re: Tiny Baby Spiders on my Toaster

I love off-the-wall threads like this one. I have no idea.
by sillysaver
Sat Nov 17, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Update Re: Hubby soon to be laid off
Replies: 26
Views: 4907

Re: Update Re: Hubby soon to be laid off

Darth Xanadu wrote:
Fri Nov 16, 2018 10:47 pm
I try to max out my 401k by June/July precisely for this kind of scenario.
Did this recently, too. I saw the writing on the wall so I accelerated my contributions to the max (92%).
by sillysaver
Thu Nov 15, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Quantitative Equity Group Losing Talent
Replies: 61
Views: 4156

Re: Vanguard's Quantitative Equity Group Losing Talent

KyleAAA wrote:
Thu Nov 15, 2018 6:01 pm
Quants deliver a ton of value, just not anywhere you and I can invest.
This.
by sillysaver
Thu Nov 15, 2018 5:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Quantitative Equity Group Losing Talent
Replies: 61
Views: 4156

Re: Vanguard's Quantitative Equity Group Losing Talent

Dumb question but how hard is it to run stock screens and allocate to the top opportunities for a particular factor or set of factors? It doesn't strike me as particularly difficult. It’s much harder than you think it is. What part is difficult? It's a rank-and-sort problem, with readily available ...
by sillysaver
Thu Nov 15, 2018 5:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Quantitative Equity Group Losing Talent
Replies: 61
Views: 4156

Re: Vanguard's Quantitative Equity Group Losing Talent

Dumb question but how hard is it to run stock screens and allocate to the top opportunities for a particular factor or set of factors?

It doesn't strike me as particularly difficult.
by sillysaver
Wed Oct 17, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 96
Views: 9062

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

It is not the opposite, it is a completely orthogonal concern (mortgage paydown vs. "putting more money into your house"), since a mortgage is just another liability which happens to be secured by your home. You consider the loss of portfolio equity to be somehow different than the loss of home equi...
by sillysaver
Tue Oct 16, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: apartment building FCF spreadsheet
Replies: 3
Views: 220

Re: apartment building FCF spreadsheet

Not available as a spreadsheet, but this could be useful:

https://achieveinvestmentgroup.com/mult ... -analyzer/
by sillysaver
Mon Oct 15, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4291

Re: Relocation to California

What 2015 said is true. I did a decade in LA and found all the problems he describes. However, as a software engineer, I found the salaries there really weren't all that great considering the high cost of living, stress and in general lower quality of life, compared to what I could get in Austin or ...
by sillysaver
Mon Oct 15, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: Is it better to have fewer investment choices?
Replies: 23
Views: 1829

Re: Is it better to have fewer investment choices?

The TSP offers just 5 separate funds (G,F,C,S,I) and different allocations to each in their version of target date funds (L 2020, L2030 and so on). https://www.tsp.gov/InvestmentFunds/FundOptions/index.html If that's good enough for 2 million civilian federal employees, then what makes anyone think...
by sillysaver
Sun Oct 14, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: How much to spend on landscaping?
Replies: 6
Views: 1400

Re: How much to spend on landscaping?

It's a 3 BR / 2 BA, 2100 sq. ft. Zillow says it's worth 319k, although I talked to a realtor a little over a year ago who said we could get $350k. I bought it for $257k and have done maybe $30-40k of capex and improvements over the past 3 or so years, including new kitchen and bath cabinets, granite...
by sillysaver
Sun Oct 14, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Is it better to have fewer investment choices?
Replies: 23
Views: 1829

Re: Is it better to have fewer investment choices?

My main point was that I only need a few broad-based index investments, whether that's funds or ETF's. I was leaning towards funds as a vehicle for automatic investments (buying dollar amounts, with fractional shares), plus as a long-term investor I don't need intraday liquidity. On the other hand, ...
by sillysaver
Sun Oct 14, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: How much to spend on landscaping?
Replies: 6
Views: 1400

How much to spend on landscaping?

Goals: reduce water usage, nice look, deal with high grade (slope). Decomposed granite has mostly eroded due to rain. The grass has died in spots due to shade. I'm looking to convert to a xeriscape that uses drought-resistant plants that don't require much maintenance. I consulted a "native landscap...
by sillysaver
Sat Oct 13, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 6012

Re: Anyone done a Hair Transplant?

Just wait until gene therapy is advanced enough.

Or learn not to care. I started losing my hair in my teens. Sometime in my 20's I decided to just start buzzing it close and it was extremely liberating once I accepted it.
by sillysaver
Sat Oct 13, 2018 8:16 am
Forum: Investing - Theory, News & General
Topic: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]
Replies: 25
Views: 1813

Re: DGS: Own it? Opinions on it?

livesoft wrote:
Sat Oct 13, 2018 5:33 am
It is a free trade at 3 of my brokers.
Which ones?
by sillysaver
Fri Oct 12, 2018 4:47 pm
Forum: Investing - Theory, News & General
Topic: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]
Replies: 25
Views: 1813

Re: DGS: Own it? Opinions on it?

I own a bit in a Roth account. Seems like a good proxy for value and a good way to get small-cap exposure. I'm not going crazy with tilting but this is a good option.
by sillysaver
Thu Oct 11, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3275

Re: Budget Coffee

You know what's surprisingly good? Community Coffee from Baton Rouge. There's a local Mediterranean restaurant that serves one of their blends. Their Chicory coffee blend is my favorite.
by sillysaver
Thu Oct 11, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4919

Re: Vanguard website problems [Transactions won't go through, 500 error...]

GIven that Vanguard seems to have a lot of issues with IT availability, wold you current customers recommend for or against Vanguard as a custodian?
by sillysaver
Sun Oct 07, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Tax question: Bought a rental property on 12/31/2017...
Replies: 4
Views: 654

Tax question: Bought a rental property on 12/31/2017...

Should I bother entering any of the basis for depreciation in 2017? We received no rental income until this year. Can we start taking depreciation in the following year without "losing" any?

We are not real estate professionals, and we are subject to passive loss limitations.
by sillysaver
Sat Oct 06, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Is it better to have fewer investment choices?
Replies: 23
Views: 1829

Re: Is it better to have fewer investment choices?

If you think the move will help you avoid stupid mistakes, then make the change. But I am curious as to why you think Vanguard will give you fewer investment choices? I have a taxable brokerage account with Vanguard. The account has held Vanguard mutual funds, Vanguard ETFs, non-Vanguard mutual fun...
by sillysaver
Sat Oct 06, 2018 2:48 pm
Forum: Investing - Theory, News & General
Topic: Is it better to have fewer investment choices?
Replies: 23
Views: 1829

Is it better to have fewer investment choices?

I've been thinking about moving all my accounts to Vanguard and just investing directly in the index funds, despite their disadvantages relative to ETF's. The reason is that I feel by limiting the number of investment options, as well as the ease with which I might trade, I prevent myself from makin...
by sillysaver
Sat Oct 06, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: Doubling down on EM [Emerging Market]
Replies: 55
Views: 5993

Re: Doubling down on EM

Investors have short memories.

VWO was up 11.75% in 2016 and 31.8% in 2017. It was up from a low about $33 to 51 at the peak in January 2018, for a gain of over 50%.
by sillysaver
Sat Oct 06, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: DIY air purifier for $25
Replies: 13
Views: 1541

Re: DIY air purifier for $25

I have high Merv (9 and 10) filters installed in the intake vents of my HVAC system, but I've been told that this limits the airflow and could reduce the lifespan of my system as well as increase cost of operation. Anyways, they don't appear to help very much as I've been suffering severe allergies....
by sillysaver
Sat Oct 06, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: DIY air purifier for $25
Replies: 13
Views: 1541

Re: DIY air purifier for $25

Some of the comments on the video call into question its effectiveness, noting that air flows from the grill in front of the fan and back out the front, bypassing the filter, which should be installed on the intake side. However, in the video, the man who demonstrates its use appears to have install...
by sillysaver
Sat Oct 06, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: M1 Finance
Replies: 17
Views: 3236

Re: M1 Finance

I really like this broker. I opened an account to try them out. I invested a small amount in Cambria's Trinity pie, recently added to the platform, and it has been interesting to monitor it. The UI is very nice and simple, much cleaner than the complicated interfaces at traditional brokers. I like t...
by sillysaver
Sat Oct 06, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: DIY air purifier for $25
Replies: 13
Views: 1541

DIY air purifier for $25

I think the cost has have gone up somewhat since this video was made, but the general idea still makes sense:
https://www.youtube.com/watch?v=kH5APw_SLUU
by sillysaver
Sat Oct 06, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15791

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

I lived briefly in Raleigh and worked in Cary, NC, when I was in my twenties. At the time, I thought it was a very boring place. However, today I think it might suit me better, as I no longer find urban living very "exciting." what is the reason for? I lived in LA for about a decade. Let's just say...
by sillysaver
Fri Oct 05, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15791

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

I lived briefly in Raleigh and worked in Cary, NC, when I was in my twenties. At the time, I thought it was a very boring place. However, today I think it might suit me better, as I no longer find urban living very "exciting."
by sillysaver
Thu Oct 04, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15791

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

Austin - the not as good - There's no real Mexican food here, 99% of it is "tex-mex" (think cheese from a can.) Locals will get offended if you knock it, but the tex-mex is terrible. (Brisket in a taco?) You can find the good MX but it's an effort This and the comment about no hole-in-the-wall rest...
by sillysaver
Thu Oct 04, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Syndicated Multi-fam Deals
Replies: 9
Views: 884

Re: Syndicated Multi-fam Deals

A lot can go wrong and many people have lost a lot of money on these deals. There were many Tenant in Common (TICs) deals that defaulted or sold for big losses in 2010-2014. Although the article below is focused on TIC (Tenant In Common) Investments the schemes are similar. There is a Sponsor, poss...
by sillysaver
Wed Oct 03, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15791

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

interesting you say that I have looked at zillow and it seems affordable? at least compared to califonia not to mention size of house/property. I guess it's all relative. In central areas, one cannot find a 3BR/2BA for less than $600k, and prices go up from there. That is more than ten times the av...
by sillysaver
Wed Oct 03, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Syndicated Multi-fam Deals
Replies: 9
Views: 884

Re: Syndicated Multi-fam Deals

A lot can go wrong and many people have lost a lot of money on these deals. There were many Tenant in Common (TICs) deals that defaulted or sold for big losses in 2010-2014. Although the article below is focused on TIC (Tenant In Common) Investments the schemes are similar. There is a Sponsor, poss...
by sillysaver
Wed Oct 03, 2018 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Syndicated Multi-fam Deals
Replies: 9
Views: 884

Re: Syndicated Multi-fam Deals

A lot can go wrong and many people have lost a lot of money on these deals. There were many Tenant in Common (TICs) deals that defaulted or sold for big losses in 2010-2014. Although the article below is focused on TIC (Tenant In Common) Investments the schemes are similar. There is a Sponsor, poss...
by sillysaver
Wed Oct 03, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Key differences between investing philosophies: Swedroe vs. Bogle
Replies: 144
Views: 8187

Re: Key differences between investing philosophies: Swedroe vs. Bogle

What are the key differences between them and who is right, in your opinion? Right about what? I'm going with Rick's analysis of the two philosophies above, here are my thoughts on the implications: 1. Larry may well be able to provide slightly better growth over time. 2. The average investor is li...
by sillysaver
Wed Oct 03, 2018 7:18 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15791

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

Texas cities to live in I have only thought of 2 Houston and Austin. Do not want to have my house flooded. Still considering other cities but those 2 are the main ones. Austin has become too crowded because of migration (from places like California). Traffic and cost of housing have become big prob...
by sillysaver
Tue Oct 02, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Is an emergency fund just about market timing?
Replies: 103
Views: 5798

Re: Is an emergency fund just about market timing?

I have one year of emergency fund and I have 500K in my taxable account. You only have to experience this kind of event once. Then, you will understand how the emergency fund could save your sanity in those stressful situations. 500K of what in your taxable? Cash? I agree with you, as I experienced...
by sillysaver
Tue Oct 02, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Syndicated Multi-fam Deals
Replies: 9
Views: 884

Re: Syndicated Multi-fam Deals

I've invested in 3 syndication deals since I started in 2016. The first one was a hybrid value-add / yield play on a large complex in San Antonio. Investment was $100k. Received a steady 6% or so check every quarter. This one has not performed per pro forma, and has been plagued in the beginning of ...
by sillysaver
Sun Sep 30, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Data Visualization—skill or career?
Replies: 9
Views: 1059

Re: Data Visualization—skill or career?

OP, I think it's a great in-demand skill that could be useful in various roles, such as Data Analyst or Front-End Developer. I think it is too narrow of a niche to focus on exclusively, so you should consider complementary skills like: - Analytics packages such as Tableau - Web development with Java...
by sillysaver
Sat Sep 29, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: For real liquid cod liver oil.........?
Replies: 16
Views: 1216

Re: For real liquid cod liver oil.........?

These are capsules and real expensive but probably the best you can find. They also sell a liquid version: https://www.nourishingworld.com/rosita-extra-virgin-cod-liver-oil-softgels/ For a blend of fermented oil and butter take a look at Green Pasture: https://www.amazon.com/Pasture-Blue-Ice-Royal-...
by sillysaver
Sat Sep 29, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: Fundrise vs. Vanguard REIT ETF
Replies: 16
Views: 2658

Re: Fundrise vs. Vanguard REIT ETF

LadyGeek wrote:
Sat Sep 29, 2018 11:50 am
I merged sillysaver's thread into the on-going discussion.
Sorry for the duplicate. Thanks for the merge.
by sillysaver
Sat Sep 29, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: Fundrise vs. Vanguard REIT ETF
Replies: 16
Views: 2658

Vanguard vs. Fundrise: Which is the Better Investment Option?

[Thread merged into here, see below. --admin LadyGeek]

Loaded question. I can guess the answer (considering the source):

https://fundrise.com/education/blog-pos ... ent-option
by sillysaver
Sat Sep 29, 2018 10:07 am
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 129
Views: 15077

Re: Should we stay in Crazytown because there's no where to run?

I've done something difficult, which is to get back into equities after being mostly out of the market for most of the past few years. Most people who try to time the top will never get back in. Unfortunately, life was difficult in 2008-2010 and I got burned by job losses and portfolio losses, and f...
by sillysaver
Sat Sep 29, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 129
Views: 15077

Re: Should we stay in Crazytown because there's no where to run?

I'm in 50% international, overweight small cap emerging markets and value. Foreign markets are cheaper. The market is offering a discount because those assets are "risky". You can either stay with the "best house" in the neighborhood with low expected returns or go where stocks are unloved and do wh...
by sillysaver
Sat Sep 29, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401k without being "out of the market"?
Replies: 6
Views: 432

Re: Rolling over 401k without being "out of the market"?

PFInterest wrote:
Sat Sep 29, 2018 9:02 am
do you need to do the backdoor rIRA? if so dont move to IRA.
otherwise if the plan is fine, you can just leave them.
we just rolled over 50K from an employer. i didnt worry about time out of the market. it took maybe 10 days total.
No back door. Thanks for your advice.
by sillysaver
Sat Sep 29, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401k without being "out of the market"?
Replies: 6
Views: 432

Rolling over 401k without being "out of the market"?

I have approximately $18,400 in a 401k from a previous employer's plan under Wells Fargo, and another $6k or so (although I believe only half is vested) with Fidelity. I've been thinking about rolling these accounts over to an IRA, or perhaps to my current employer's plan. Probably will go with the ...
by sillysaver
Fri Sep 28, 2018 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Managed Future funds
Replies: 11
Views: 1087

Re: Managed Future funds

I like to call managed futures "return-free risk". I guess because it's non-correlated it's supposed to reduce portfolio volatility, but these funds seem like a rip-off to me based on performance.