Search found 388 matches

by VaR
Sun Dec 10, 2017 3:17 am
Forum: Personal Consumer Issues
Topic: Cheap outdoor floor covering?
Replies: 6
Views: 640

Re: Cheap outdoor floor covering?

Home Depot and other stores sell outdoor carpet. Not sure what kind of installation or what kind of coverage you want. The one I saw is sold on rolls 12 feet wide so you'd need to seam the carpet if you wanted full 15x20 coverage. Also, not sure if you'd want a permanent glue-down installation or if...
by VaR
Sat Nov 25, 2017 1:02 am
Forum: Personal Consumer Issues
Topic: TVs: Go for $0 or $300
Replies: 17
Views: 1759

Re: TVs: Go for $0 or $300

Regarding your old 1080p TV, how big is it and what brand/model? Resolution isn't everything and there's every possibility that your old TV is actually better than a $300 bottom-of-the-line new TV.
by VaR
Wed Nov 22, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 2884

Re: LED Lightbulbs - Recommended Brands

For those experiencing shorter than expected life from LEDs, are your bulbs in enclosed fixtures?
by VaR
Fri Nov 17, 2017 12:04 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 138
Views: 15414

Re: MoviePass-Too good to be true, but it's legit.

FYI, MoviePass seems to have a promo going right now, $7 per month plus a $6 one-time activation fee for a total of $90 billed annually.... If you have the regular $10 plan, as soon as you log in it asks if you'd like to switch to the new promotional plan. I just activated it for myself and the wif...
by VaR
Sat Nov 11, 2017 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3475

Re: Do telecom stocks have a future?

OP, are you looking at specific "telecoms" or all 26 components of the telecom sector? For reference, here is a breakdown of the Vanguard Telecom Services Index Fund Alternative Carriers 23.70% Integrated Telecommunication Services 61.40% Wireless Telecommunication Services 14.90% And here are the m...
by VaR
Sat Nov 11, 2017 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: AA: Should I List Junk Bond Fund Under Stocks or Bonds?
Replies: 12
Views: 789

Re: AA: Should I List Junk Bond Fund Under Stocks or Bonds?

I did a quick analysis using portfolio visualizer with the goal of finding an stock/bond/high yield blend that had the same standard deviation as a 60/40 stock-bond asset allocation. I came up with 57/33/10. So I'd count your junk bond allocation as 2/3 bond and 1/3 stock from a risk perspective. ht...
by VaR
Thu Nov 09, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4874

Re: Worth changing 40 gal. to 30gal. hot water tank?

Also the 'energy factor' between the two units I compared is virtually identical (0.60 vs 0.59) I'll bet there's not much difference in efficiency when looking at units within the same Tier. The 0.01 difference in energy factor represents the additional standby loss of the 40 gallon tank. The formu...
by VaR
Mon Nov 06, 2017 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 93
Views: 8532

Re: Should I decline Grand Prize trip because of taxes on winnings?

OP HERE: I'm overwhelmed with all the thoughtful responses to my question! I wanted to let you know that I have 100% confirmation that this is real. I spent DAYS going through every possible means of confirming this is legitimate, and now know for certain this is not a scam. Good for you! Yay! You ...
by VaR
Mon Nov 06, 2017 2:19 am
Forum: Investing - Help with Personal Investments
Topic: How consistent will VNQ dividend be?
Replies: 65
Views: 3685

Re: How consistent will VNQ dividend be?

Does it matter that the dividends are reinvested? Because what CnC was talking about was only pulling the Dividends from the fund. I was trying to figure out what that would be, then sell that amount of TSM. Maybe this is unnecessary though...... Dividends are reinvested, but I specified $400 to be...
by VaR
Sun Nov 05, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: How consistent will VNQ dividend be?
Replies: 65
Views: 3685

Re: How consistent will VNQ dividend be?

I was wondering, is there a way to compare it to TSM? Say you had X amount of dollars in REITs (or whatever fund you mentioned) and you look at the same X amount in TSM. Then,look at the dividends of the REIT and sell that much of TSM and see which one comes out ahead. You might have to look at the...
by VaR
Sun Nov 05, 2017 3:35 pm
Forum: Investing - Theory, News & General
Topic: Dividends better than buybacks in retirement accounts
Replies: 32
Views: 2402

Re: Dividends better than buybacks in retirement accounts

... I'd like them to become more efficient and perhaps do what some utilities have done which is to increase their earnings (profitability) by 60%, enabling them to increase their dividends by 25% over 5 years... That's included in what I'm referring to as 'growth'. ... I don't have a preference fo...
by VaR
Sat Nov 04, 2017 11:02 pm
Forum: Investing - Theory, News & General
Topic: Dividends better than buybacks in retirement accounts
Replies: 32
Views: 2402

Re: Dividends better than buybacks in retirement accounts

If you aren't looking for growth, why aren't you investing that money in bonds? You seem to assume the management won't be effective at investing new cash flows ..?..?..? If you're saying some do and some don't why not just buy the stocks of companies that are effectively re-investing? If you don't...
by VaR
Sat Nov 04, 2017 6:34 pm
Forum: Investing - Theory, News & General
Topic: Leading indicators [published] from the FED
Replies: 17
Views: 1136

Re: Leading indicators [published] from the FED

A different index of leading indicators, but the Investopedia page on the Conference Board Leading Economic Index section on the Challenges of Forecasting outlines reasons that " n some people's opinion, the Conference Board's Composite Index of Leading Indicators has been, at best, a marginal predi...
by VaR
Sat Nov 04, 2017 6:16 pm
Forum: Investing - Theory, News & General
Topic: "Probably the World's Best Investment Forum"
Replies: 34
Views: 4844

Re: "PROBABLY THE WORLD'S BEST INVESTMENT FORUM"

I like the use of the qualifier "probably". It reminds me of a shoe store in town that advertised itself as having "probably the lowest prices in town". I bought my shoes there for years just based on that one advertisement in their window.
by VaR
Sat Nov 04, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: When a "credit union" is not a credit union
Replies: 9
Views: 1631

Re: When a "credit union" is not a credit union

I have always been a fan of credit unions but they seem to have lost their advantages with the arrival of internet banks. Perhaps an internet credit union? What do you mean by "lost their advantages"? The only real advantage to credit unions is that they are operated on a not-for-profit basis. This...
by VaR
Fri Nov 03, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 93
Views: 8532

Re: Should I decline Grand Prize trip because of taxes on winnings?

Do not assume you will have to pay taxes on $9000 just because the sweepstakes places that value on the package. It is to their benefit to inflate this value. You can easily dispute this value with the IRS. The true value is what you would have pay if you were buying the Individual components yours...
by VaR
Tue Oct 31, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: MacBook Maintenance/Improvement - Running Slow
Replies: 16
Views: 1067

Re: MacBook Maintenance/Improvement - Running Slow

I run the Disk Utility/First Aid - and it helps a little, for a short amount of time - not sure what else to do and my understanding is that there is no software to be downloaded for viruses, malware, etc....since this is a Mac. When you run First Aid in the Disk Utility, what does it say? Another ...
by VaR
Thu Oct 26, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Upgrade my Roku?
Replies: 34
Views: 3237

Re: Upgrade my Roku?

Any suggestions on the best way to get home dvds/blurays onto a hard drive for viewing through kodi/plex? We have quite a large movie collection but rarely dig through the discs as searching through a streaming service is so much easier You will find these threads helpful: https://www.bogleheads.or...
by VaR
Thu Oct 26, 2017 1:36 am
Forum: Investing - Help with Personal Investments
Topic: Definiing "liquidity"
Replies: 13
Views: 956

Re: Definiing "liquidity"

Hi Cody, So yeah, it sounds to me like you're not looking for the definition of "liquidity" in the markets sense, but rather are looking to create accessible funds for semi-emergencies (contingency funds?). You mentioned that your Plan A was to do Roth conversions. It is my understanding that outsid...
by VaR
Thu Oct 26, 2017 1:23 am
Forum: Investing - Help with Personal Investments
Topic: Should you rebalance when you’re in your seventies?
Replies: 25
Views: 2559

Re: Should you rebalance when you’re in your seventies?

What's your withdrawal rate? Given the market gains over the past 8 years, I'd guess that your withdrawal rate is very low and your success rates are close to if not greater than 100% regardless of your asset allocation. If it were me I'd continue to follow my IPS which means I'd continue to rebalan...
by VaR
Wed Oct 25, 2017 11:57 pm
Forum: Personal Consumer Issues
Topic: Upgrade my Roku?
Replies: 34
Views: 3237

Re: Upgrade my Roku?

I don't understand why roku is still needed unless you have specific channels that you want other than Netflix, Amazon and Hulu as they are included in almost all newer smart tvs. From what I read, there are a lot of tv platforms that are garbage. Even the ones that aren't garbage can take a long t...
by VaR
Wed Oct 25, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: New TV, what's important?
Replies: 42
Views: 3029

Re: New TV, what's important?

I'll address the questions that don't have totally straightforward answers from the other fine poster in this thread. Is OLED far superior to LED LCD technology? How much more is it worth, if anything? If you're obsessive with picture quality, OLED is the technology to get. But for now you'll pay th...
by VaR
Wed Oct 25, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Upgrade my Roku?
Replies: 34
Views: 3237

Re: Upgrade my Roku?

I highly recommend the Nvidia Shield as a modern media center: https://www.nvidia.com/en-us/shield/ It has all the common streaming media clients available. Kodi is also available as a native app. What can it do for me that my Roku Streaming Stick can't? I don't want it for gaming. Whoa! Is the ent...
by VaR
Wed Oct 25, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 138
Views: 15414

Re: MoviePass-Too good to be true, but it's legit.

I don't know if there are 12 movies I want to see in the theater every year. I wonder if there's any other source for the information about which individuals have seen which movies in the theater? And I wonder how valuable this information is? Their business model isn't totally implausible but I thi...
by VaR
Wed Oct 25, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime customers can now give Amazon access to their home
Replies: 53
Views: 4587

Re: Amazon Prime customers can now give Amazon access to their home

I'd do it. I'm really not that obsessed with narratives about theft from people who already have access to your house vs strangers jimmying the locks or breaking a window to get in. Really there's not that much to steal in my place anyway and I depend on my nosy neighbors to make sure no one walks o...
by VaR
Wed Oct 25, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: idiot proof router?
Replies: 53
Views: 4330

Re: idiot proof router?

mouses wrote:
Wed Oct 25, 2017 2:11 am
Pretty much all your guesses are wrong.
Whelp, sorry my best wasn't good enough. Good luck with your issues. I hope you are able to find a solution.
by VaR
Tue Oct 24, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: idiot proof router?
Replies: 53
Views: 4330

Re: idiot proof router?

What happened was I bought an arris dg2460, which they claim to support. I called Cox with the magic id numbers they need to recognize the device (before I even connected it.) They struggled for an hour, upleveling the problem, and finally the guy told me their system had a set of serial numbers fo...
by VaR
Tue Oct 24, 2017 1:29 am
Forum: Personal Consumer Issues
Topic: idiot proof router?
Replies: 53
Views: 4330

Re: idiot proof router?

That Cox page was one of the things that led me astray. At least when I looked at what they supported and bought one of the router/modems, the page did not say, tough luck if you don't buy it from us, our system won't accept it. The following page: https://www.cox.com/residential/internet/internet-...
by VaR
Mon Oct 23, 2017 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Definiing "liquidity"
Replies: 13
Views: 956

Re: Definiing "liquidity"

OP, how do you intend to use your definition of liquidity?

I noticed that you're posting in the "help with personal investments" forum rather than the "theory" forum. I want to help you but I'm not sure where you're going with "liquidity".
by VaR
Mon Oct 23, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 69
Views: 6740

Re: Worry market crush, selling 50%, but increase buying 100%

There are different forms of "market timing". What I do, and some others here may, is occasionally and modestly adjust my asset allocation if valuations are high by historic measure. By doing so I am assessing there is relatively greater risk in the market, and I am hedging a bit. But I am not pred...
by VaR
Mon Oct 23, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: idiot proof router?
Replies: 53
Views: 4330

Re: idiot proof router?

Have you visited this page before? https://www.cox.com/residential/support/cox-certified-cable-modems.html This is the page that supposedly lists the cable modems and cable modem/router combos that Cox supports. Note that you'll have to buy a DOCSIS 3.0 modem/router. If you want to go down this path...
by VaR
Mon Oct 23, 2017 2:14 am
Forum: Personal Consumer Issues
Topic: idiot proof router?
Replies: 53
Views: 4330

Re: idiot proof router?

See, this is how ignorant I am. I followed a link above and grubbed around a bit and came to the Linksys SE2500 5-Port Gigabit Ethernet Switch This would not give me wireless, but it looks like it would handle the Ethernet-using devices, which is enough until my environment gets less chaotic. Also ...
by VaR
Mon Oct 16, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds v. bond funds
Replies: 36
Views: 2138

Re: Bonds v. bond funds

Of course, the principal of an individual bond does fluctuate. The 'principal' doesn't fluctuate (whether an individual bond or for the bonds held by a fund) but the value does. My guess is a lot of the confusion between individual bonds and funds is in one you see the changing value every day and ...
by VaR
Sat Oct 14, 2017 11:55 pm
Forum: Personal Consumer Issues
Topic: Tesla roof deposit: Anyone paid one?
Replies: 16
Views: 2228

Re: Tesla roof deposit: Anyone paid one?

Yes, it's 4000 sq ft roof in Souther California. I spent $13.5k on GAF timberline cool roof shingles. They come with a 10 year warranty against leaks, and should last about 22-25 years. What state are you in? I'd bet that Tesla won't be installing solar roofs in quantity until 2019 at the earliest ...
by VaR
Sat Oct 14, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 492
Views: 46654

Re: Picking College and College Scholarships

This is just my personal opinion, but making a school more challenging by finishing sooner isn't making it more challenging in a good way. I think it's important for the actual coursework to be challenging in difficulty, not in quantity. And I think it's important to be able to have classmates who ...
by VaR
Sat Oct 14, 2017 1:14 am
Forum: Investing - Theory, News & General
Topic: Offensive Valuations
Replies: 45
Views: 4410

Re: Offensive Valuations

To the point about revenue - FASB issued a new standard on revenue recognition in 2014. I don't know whether its impact was to reduce or increase revenue in the current year. Their stated goal was to standardize revenue recognition practice across industries so I imagine that some went up and some w...
by VaR
Fri Oct 13, 2017 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Voluntary Corporate Action Tendered Offer Wal-Mart questions
Replies: 8
Views: 676

Re: Voluntary Corporate Action Tendered Offer Wal-Mart questions

I'll chime in and say that it's probably a good opportunity to simplify your portfolio if you want to reduce your individual bond holdings. With corporate bonds, I generally think it's better to hold them in funds or ETFs. I think you need at least 10, if not 20 well-chosen names to adequately diver...
by VaR
Fri Oct 13, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: “Going Long Volatility”
Replies: 16
Views: 1005

Re: “Going Long Volatility”

"Going long volatility" is trader jargon that makes for good press. In the past 10 years or so, there's been a lot of financial press focus on market volatility as a measure and a product - in particular after the explosion on popularity of the CBOE VIX index. I was surprised to learn that it was cr...
by VaR
Fri Oct 13, 2017 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard make sense without a computer ?
Replies: 22
Views: 2470

Re: Does Vanguard make sense without a computer ?

What about Vanguard PAS or Schwab Intelligent Advisory? The 30 basis points will buy them decent professional advice at low cost.
by VaR
Fri Oct 13, 2017 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: wellington fund ( VWELX )
Replies: 24
Views: 2702

Re: wellington fund ( VWELX )

I recommend doing a search on these forums. There are plenty of discussion threads on Wellington, including some that are very quantitative.
by VaR
Mon Oct 09, 2017 2:19 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 492
Views: 46654

Re: Picking College and College Scholarships

Admissions officers at top school are definitely not trying to pick only one “type” these days, they are interested in building - purposefully constructing - classes of diverse talents and backgrounds that can serve as a synergistic whole and learning resource for one another. Joel's Father: I just...
by VaR
Sun Oct 08, 2017 1:02 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 492
Views: 46654

Re: Picking College and College Scholarships

Yes, I think that he'll be challenged at all the schools (that he applied to). While MIT might be the high end of challenging (guessing), some of the other schools could be made more challenging by finishing sooner (ex: 3 years), double major, etc. This is just my personal opinion, but making a sch...
by VaR
Tue Oct 03, 2017 1:44 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 492
Views: 46654

Re: Picking College and College Scholarships

I think I've mentioned it before, but I'd like to mention the importance of having your kid go to a university where they will be challenged - both generally and in their field of study. On the other end I guess I've also heard that it's important that they not be outmatched as well.
by VaR
Tue Oct 03, 2017 1:12 am
Forum: Investing - Theory, News & General
Topic: How do you avoid bad market timing for lump sum investments?
Replies: 67
Views: 7107

Re: How do you avoid bad market timing for lump sum investments?

Hoops and Earl, you seem to be having a side conversation with just each other. Do either of you have any disagreement with what's posted on the wiki? The recommendation there is to either: 1. invest in a lump sum today 2. dollar cost average in over 6 months 3. invest 50% today and to DCA in the ot...
by VaR
Tue Oct 03, 2017 12:59 am
Forum: Investing - Help with Personal Investments
Topic: when current 401K options suck
Replies: 17
Views: 1229

Re: when current 401K options suck

I've seen a lot of examples here on the forums where people find one low cost S&P 500 index fund in their 401k. The conventional wisdom is to put all your 401k money in it and then use other accounts to balance out to your desired asset allocation. The request from the poster mega317 is correct. If ...
by VaR
Mon Oct 02, 2017 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: VWEHX High-Yield Corporate bond
Replies: 26
Views: 1729

Re: VWEHX High-Yield Corporate bond

OP, can we get the parameters again? You're "willing" to accept a 1-2% loss, but what do you think is an acceptable probability of a 5% loss? With a 10/90 allocation between equities and fixed income, you'll have an expected return of about 2%, an 84% chance of not losing anything and a 97.5% chance...
by VaR
Mon Oct 02, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut to work from home?
Replies: 67
Views: 5771

Re: Would you take a pay cut to work from home?

However, for most of my career Ive really despised waking up and having to get dressed and go to an office everyday. Im sort of an introvert and dont enjoy dealing with meddling coworkers, having to play office politics, forcing small talk with coworkers etc. I prefer going into work, putting my he...
by VaR
Mon Oct 02, 2017 5:40 pm
Forum: Investing - Theory, News & General
Topic: Why do 10-yrs US Treasuries have a higher yield than European Junk Bonds?
Replies: 34
Views: 3462

Re: Why do 10-yrs US Treasuries have a higher yield than European Junk Bonds?

Another implication: I suggested to my father, who is elederly and doesn't like volatility, to currency hedge his (small) investment in the S&P500: was that rational for me to do? Conventional wisdom is to not currency-hedge your foreign equity investments, assuming you aren't invested internationa...
by VaR
Mon Oct 02, 2017 5:32 pm
Forum: Investing - Theory, News & General
Topic: Glide up or glide down before retirement?
Replies: 7
Views: 1384

Re: Glide up or glide down before retirement?

I've been intrigued by this article ever since the link to it was posted here a few weeks ago. It is from 2013: https://www.kitces.com/blog/should-equity-exposure-decrease-in-retirement-or-is-a-rising-equity-glidepath-actually-better/ Intriguingly, you would start at 30/70 now and rise to a 70/30 al...
by VaR
Mon Oct 02, 2017 5:08 pm
Forum: Investing - Theory, News & General
Topic: Why do 10-yrs US Treasuries have a higher yield than European Junk Bonds?
Replies: 34
Views: 3462

Re: Why do 10-yrs US Treasuries have a higher yield than European Junk Bonds?

Am I right in deducing that this implies that the market is actually predicting that the Euro will appreaciate against the Dollar (since I understand that what you are saying is that a EU investing in USD has to pay to secure today's exchange rates in the future) - please also see the post I've jus...