Search found 405 matches

by VaR
Wed Apr 25, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 104
Views: 5179

Re: Wedding - financial burden on couple and attendees

One question — presumably you are only related to one of the engaged couple. Is there any chance that your family is being disadvantaged, compared to your relative’s fiancee’s family, by the location? If it is clear that the “other side” is going to be able to attend when “your side” can’t, then yo...
by VaR
Wed Apr 25, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 104
Views: 5179

Re: Wedding - financial burden on couple and attendees

The couple is getting by financially (with some loans and credit cards) but they will go into large debt to have this wedding and I get the sense they are feeling pressure to hold a "event" because many of their friends have had large nice weddings in the past couple of years. It's good to be conce...
by VaR
Sun Apr 22, 2018 4:07 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance Changing Lifestyle
Replies: 78
Views: 8810

Re: Inheritance Changing Lifestyle

Does the inheritance mean you've "hit your number" and can retire now? Do you two want to retire this early? Do you live under a current budget? If so, I'd recalculate the current budget given the extra assets. There are a couple of ways you could do this. You say that 50% of the funds are in a trus...
by VaR
Sat Apr 21, 2018 5:52 am
Forum: Personal Consumer Issues
Topic: Best places to find discontinued appliance parts?
Replies: 14
Views: 1143

Re: Best places to find discontinued appliance parts?

I don't know if this is the best place, but I did buy a new oven element for my old Tappan range at https://www.partselect.com/

I sometimes try my luck at Google using the model number of the appliance or whatever part numbers I can find in the manual.
by VaR
Thu Apr 19, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Fixing Deadbolt Lock
Replies: 18
Views: 1176

Re: Fixing Deadbolt Lock

After getting the key out, I think the first order of business is figuring out whether the door is "sticky" and uncooperative because: 1. The door has changed alignment a little. In this case, the deadbolt will open and close fine with the door open, but not closed. 2. The pins have become sticky. I...
by VaR
Tue Apr 17, 2018 5:19 am
Forum: Personal Consumer Issues
Topic: Need advice re: extension cord to power PA speaker
Replies: 11
Views: 642

Re: Need advice re: extension cord to power PA speaker

You have to be take speaker/amplifier power ratings with a grain of salt or at least know what they really mean. The built-in amplifier to this powered speaker will typically have big capacitors in it. Anyway, it's the output of the power amplifier section that the 2200 watts refers to, not the draw...
by VaR
Wed Apr 11, 2018 2:42 am
Forum: Investing - Theory, News & General
Topic: Current Interest Rate information
Replies: 7
Views: 1199

Re: Current Interest Rate information

Truly predicting future bond yields is like predicting future equity prices. If you were reliably 51% accurate you would be a billionaire.
by VaR
Wed Apr 11, 2018 2:36 am
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6961

Re: New faster DNS - 1.1.1.1 by CloudFlare

I understand how DNS systems work, but what exactly is in it for CloudFlare? It costs them money to run this service and to retain KPMG to do the audits. Are they looking to use this as a channel to re-route mass users in case of a DDoS attack to a site they provide CloudFlare service to? That migh...
by VaR
Tue Apr 10, 2018 1:57 am
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 3412

Re: How do you estimate your home's market value?

Don't rely on formulas from websites- they are ok ballparks on trends, but not for home value. Too many qualitative factors. Go on redfin.com and look at sold listings in your immediate vicinity. Look at the pictures and descriptions for individual homes and find comparables really similar to yours...
by VaR
Tue Apr 10, 2018 1:24 am
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6961

Re: New faster DNS - 1.1.1.1 by CloudFlare

This is worth looking into, but I'd recommend the following: 1. Definitely avoid the default DNS that comes from your ISP. They are the worst at trying to monetize you. 2. If you travel, also try to avoid the default DNS. But be aware that this *might* cause problems for certain services in captive ...
by VaR
Mon Apr 09, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: Current Interest Rate information
Replies: 7
Views: 1199

Re: Current Interest Rate information

What were the CBO forecasts in prior years and how did they work out? I found the 2012 version of the report online. As an example, it projects the following: Interest Rates (Percent) 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Three-month Treasury bills 0.1 0.1 0.1 0.4 1.6 2.6 3.2 3...
by VaR
Mon Apr 09, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: Any value investor buying a Russia fund?
Replies: 92
Views: 5481

Re: A good time [price wise] to buy Russian Stocks?

So cheap; yet I worry I am being lied to and stolen from. Is that "priced in" - and now, with more negativity priced in, does that make Russian stocks more attractive? The boglehead argument is that everything is priced in to current market prices. Standard advice: buy the equity market in proporti...
by VaR
Sun Apr 08, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 12488

Re: Ivy school education. Is it worth it?

It doesn't strike me that the ROI approximation in the original post is particularly useful, but let's concede that it's worth doing. Shouldn't it also include the costs associated with raising a child to 17/18? So let's say that's $200k, not counting sweat equity. So in the original analysis the co...
by VaR
Fri Mar 23, 2018 2:19 am
Forum: Personal Consumer Issues
Topic: Coffee maker recommendations
Replies: 41
Views: 2763

Re: Coffee maker recommendations

Just checking an assumption: You take your coffee black?
by VaR
Thu Mar 22, 2018 1:33 am
Forum: Investing - Help with Personal Investments
Topic: Buy individual stock to maintain my honor?
Replies: 22
Views: 2622

Re: Buy individual stock to maintain my honor?

Are you sure they're obligated to request the signing bonus back? Usually there is some discretion if you're "close enough". Employers generally don't want to the reputational damage from clawing back a signing bonus one day before the required term, for instance. Many would also prorate the clawbac...
by VaR
Sat Mar 10, 2018 2:11 am
Forum: Personal Consumer Issues
Topic: Large cutting board recommendations
Replies: 12
Views: 1376

Re: Large cutting board recommendations

I have a few different boards and I've liked them all with tradeoffs. I recommend getting a couple of different ones to try out. You can give away or donate the ones you dislike. 1. regular plastic cutting board - I have a couple. A small one that I use when I just need to cut some herbs or a lemon....
by VaR
Thu Jan 11, 2018 4:32 am
Forum: Personal Consumer Issues
Topic: Kenmore Washer Dryer
Replies: 29
Views: 1628

Re: Kenmore Washer Dryer

On June 5, 2015, without consulting Consumer Report, I purchased model 417-6171, over/under Kenmore washer-dryer. It is the worst washing machine we ever owned. Chlorine goes directly into the basket. It uses hardly any water so the clothes are seldom cleaned properly. The instructions for loading:...
by VaR
Sun Dec 10, 2017 3:17 am
Forum: Personal Consumer Issues
Topic: Cheap outdoor floor covering?
Replies: 6
Views: 776

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: 1866

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: 3217

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: 206
Views: 26086

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: 3937

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: 931

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: 5532

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: 107
Views: 13215

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: 66
Views: 5255

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: 66
Views: 5255

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: 2719

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: 2719

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: 1299

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: 5337

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: 1797

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: 107
Views: 13215

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: 18
Views: 1532

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: 3603

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: 1128

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: 2873

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: 3603

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: 3441

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: 3603

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: 206
Views: 26086

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: 5171

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: 4825

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: 4825

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: 4825

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: 1128

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: 7325

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: 4825

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: 4825

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: 2350

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 ...