Search found 1346 matches

by daveydoo
Wed Aug 15, 2018 11:20 pm
Forum: Personal Consumer Issues
Topic: Chevy Volt for Commute
Replies: 17
Views: 962

Re: Chevy Volt for Commute

Wind tunnels do not make good aesthetic design choices. Many of them are not too swoopy. Some of it, I think, has to do with making them as small and light as possible while maximizing usable interior volume. So they end up looking like a partially-melted ice cube. Well, the Chevys and the i3, at l...
by daveydoo
Wed Aug 15, 2018 11:16 pm
Forum: Investing - Theory, News & General
Topic: Anyone try to tax loss harvest and fail?
Replies: 12
Views: 842

Re: Anyone try to tax loss harvest and fail?

Yes ETFs make it easier. +1. You can pull the trigger whenever you want. In my experience with these TLH things, there can be a lot of movement in the closing hours of a session. Since I'm usually already in the "preferred" ETF and since I may get stuck in the slightly-less-preferred TLH partner (o...
by daveydoo
Wed Aug 15, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: Is short-term dollar-cost averaging (e.g. across 1 week) beneficial?
Replies: 21
Views: 1073

Re: Is short-term dollar-cost averaging (e.g. across 1 week) beneficial?

MotoTrojan wrote:
Wed Aug 15, 2018 3:20 pm
Smoothing 5 day fluctuations seems really silly.
Hah! Tell that to the idiot who bought VWO (VG FTSE Emerging Markets ETF) at the end of last week!

Btw, I'm that idiot.

(Some cash became available and this was a deficit in my asset allocation.)
by daveydoo
Wed Aug 15, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Chevy Volt for Commute
Replies: 17
Views: 962

Re: Chevy Volt for Commute

I think the preferred car is the Prius (Toyota reliability/quality, hybrid rather than plug in) among the majority of Bogleheads. Thank you, I will see what Prius models are allowed on the carpool lane, likely the Prime only. Apples and oranges. The Volt should be fun to drive; Prius is a chore. :D
by daveydoo
Wed Aug 15, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: Is short-term dollar-cost averaging (e.g. across 1 week) beneficial?
Replies: 21
Views: 1073

Re: Is short-term dollar-cost averaging (e.g. across 1 week) beneficial?

If you are investing for the long term, any potential improvement in 5-day "stability" is worth nothing. I still see no point to the exercise. If it helps someone invest the cash that has been sitting on the sidelines, for instance, then I think it's harmless. I've been burned many times by the pos...
by daveydoo
Wed Aug 15, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Octogenarian father in law's idea of balance: AAPL + CASH
Replies: 34
Views: 2947

Re: Octogenarian father in law's idea of balance: AAPL + CASH

Given that he absolutely won't part with any of the AAPL (he is justly proud of the incredible returns), it's really hard to apply Boglehead principles. Given that their income / expenses means that their risk tolerance can afford to be a bit higher, should I just look to move some of the FDRXX int...
by daveydoo
Wed Aug 15, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Experian email alert! "Your score decreased"
Replies: 30
Views: 2783

Re: Experian email alert! "Your score decreased"

Hurry up and borrow more money! These are not indices of self-worth; these are metrics of your attractiveness to creditors. And financial prudence is not necessarily what makes you attractive to creditors. I'm proud of my imperfect score! :D

As long as it's good enough, you're fine.
by daveydoo
Wed Aug 15, 2018 12:55 am
Forum: Investing - Theory, News & General
Topic: Is short-term dollar-cost averaging (e.g. across 1 week) beneficial?
Replies: 21
Views: 1073

Re: Is short-term dollar-cost averaging (e.g. across 1 week) beneficial?

In a volatile market, sure, DCA over a short interval makes sense. I recently bought some emerging markets to re-align my actual and intended asset allocation. I wish I had DCA'ed a bit. Just loss-harvested the unhappy result today! Earlier this year, I made a wise (by BH standards) but terribly-tim...
by daveydoo
Tue Aug 14, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 2934

Re: Best consumer products - made in USA

This should be owned and made in the USA. Control of company is more important than where it is made. That’s just your opinion. I couldn’t disagree more. Then this is an entirely political post from the outset. How (and, worse, why) is this actionable? How long until this comes around to Harleys? :D
by daveydoo
Tue Aug 14, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 93
Views: 5738

Re: Retire in Florida or Alabama?

I wouldn't make any decisions about where to live based on something that a climate model predicts could happen in 50-100 years. And therein lies the problem. "I don't intend to plan my retirement around what some stupid model predicts for fifty years from now." But, you see, that is almost the ent...
by daveydoo
Tue Aug 14, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 93
Views: 5738

Re: Retire in Florida or Alabama?

I wouldn't make any decisions about where to live based on something that a climate model predicts could happen in 50-100 years. And therein lies the problem. "I don't intend to plan my retirement around what some stupid model predicts for fifty years from now." But, you see, that is almost the ent...
by daveydoo
Tue Aug 14, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: Why invest in international?
Replies: 40
Views: 8683

Re: Why invest in international?

CraigTester wrote:
Tue Aug 14, 2018 12:36 pm

Unless this is not going to continue to be true, going forward, wouldn't it make sense for an "arbitrager" to go long Int'l and short US, betting on an eventual convergence...?
This is why I always play two slot machines at the same time -- that way I can never lose. :D
by daveydoo
Tue Aug 14, 2018 1:19 am
Forum: Investing - Theory, News & General
Topic: TLH partner for IXUS
Replies: 5
Views: 412

Re: TLH partner for IXUS

Looks good to me. Vis-a-vis IXUS <-> IEFA , different indices but nearly identical results over almost any time-frame I can identify. Seems like a safe harbor for the short term at least. Also look at VEA (see below) I'm just doing almost the exact same thing -- swapping VEA (Vanguard FTSE Developed...
by daveydoo
Mon Aug 13, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Is the price of a new car a good proxy for the expense of owning it?
Replies: 38
Views: 2198

Re: Is the price of a new car a good proxy for the expense of owning it?

...but i do think some things can be interesting without being earth shattering. +1. It would be fun to look at the whole data set, and maybe color- or symbol-code by manufacturer to get a sense where each tends to fall relative to "the line." I'm sure there are a few like Infiniti, maybe, that are...
by daveydoo
Mon Aug 13, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Is the price of a new car a good proxy for the expense of owning it?
Replies: 38
Views: 2198

Re: Is the price of a new car a good proxy for the expense of owning it?

The purchase price swamps everything else. The regression line looks awfully close to purchase price, divided by five years. As others have pointed out, the utility of this "relationship" is questionable. I can think of a handful of cars that are unreliable and depreciate like crazy, and a handful o...
by daveydoo
Sun Aug 12, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3192

Re: Cleaning gas grill

Pre-heat and burn-off after. Long-handled brass-wire brush after the pre-heat, right before you put the food on. That's it for decades, assuming your grill gets hot enough to burn off the grease and debris. (For example, this will not work with smokers like Traeger that do not get that hot). Use a g...
by daveydoo
Sat Aug 11, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Used Car Negotiation
Replies: 29
Views: 2629

Re: Used Car Negotiation

Have the major dealers really stopped negotiating on the price of used cars. I have been back and forth with so many dealerships and they don't even budge. Is this the norm with the efficiency of internet pricing? Depends. I have always gotten major discounts with all new and used vehicles.* But th...
by daveydoo
Sat Aug 11, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 111
Views: 7080

Re: New layout of vanguard.com

...There is a notable absence of expense ratios... Not to sound paranoid but I think you're right. This is what I see, too, although I probably would not have noticed it (!). It was always sort of my "to-do" list when I looked at the ERs of my non-VG, non-index holdings -- waiting for corrections t...
by daveydoo
Sat Aug 11, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: 2018/19 Honda Odyssey - which trim level?
Replies: 15
Views: 1001

Re: 2018/19 Honda Odyssey - which trim level?

20-year Odyssey owners -- getting to the end of our tenure with van #2. My frugal spouse wanted the bells and whistles. I balked on van #1 but relented on van #2. She was 100% right. And if your spouse will be the primary driver on yours, even more so. Long before I was oficially BH, I always bought...
by daveydoo
Sat Aug 11, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Sucking up to make more money?
Replies: 46
Views: 1971

Re: Sucking up to make more money?

masonstone wrote:
Sat Aug 11, 2018 9:26 am
I just have a very hard time sucking up, even if it will result in a pay increase. Anyone else feel the same?
I think you should just go back to the private sector and wait 'til 2020. :D
by daveydoo
Sat Aug 11, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Post Mortem Settlement
Replies: 18
Views: 1577

Re: Post Mortem Settlement

...I've found that regardless of my good intentions, emotions run high at times, and motives are questioned... This is influenced by the fact that it's your wife, not you, who is the blood relative, imo. I think this arrangement invites suspicion and many families would not be comfortable with it. ...
by daveydoo
Thu Aug 09, 2018 1:22 am
Forum: Personal Finance (Not Investing)
Topic: "Why are you leaving your current job?"
Replies: 24
Views: 2301

Re: "Why are you leaving your current job?"

Having been on the receiving end of this, I agree that too much negativity is bad because you look negative and it's clear your current job sucks. But too little and you risk sounding insincere or even like a liar. If your boss is well-known for being an [not-nice person], you don't need to play tha...
by daveydoo
Thu Aug 09, 2018 1:09 am
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 27
Views: 2213

Re: Moving soon; whom to hire to help me move?

We recently used Isaac's for one out-of-state household into four, when moving a late relative's furniture to many destinations all around the country. The stuff was worth less than the cost of the move but had sentimental value. They were great -- very professional at both ends. But I mean they are...
by daveydoo
Thu Aug 09, 2018 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Kiddie Tax 2018 - Who must file
Replies: 15
Views: 1322

Re: Kiddie Tax 2018 - Who must file

No you gift the basis as well. (With some caveats but nothing you can take advantage of.) OK, thanks -- I mis-read online. The valuation for gift tax is the present-day valuation but for income tax it's the original basis. And then, if sold, I assume the kiddie tax comes into play with even a small...
by daveydoo
Wed Aug 08, 2018 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Help negotiating!
Replies: 15
Views: 1216

Re: Help negotiating!

...from the few cues that I've received from HR, this is much more negotiable than the salary. How much should I push? How often do you think they say "Sky's the limit, baby!" What you are hearing is what every HR person has said from the beginning of time. This is what I have said to junior folks ...
by daveydoo
Wed Aug 08, 2018 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Help negotiating!
Replies: 15
Views: 1216

Re: Help negotiating!

Not sure whether your handle is informative or not in this context. But just looking at nothing except the numbers in front of us, I would expect a much higher salary for the extra, extra commute. That's where the money is. Pushing for a higher signing bonus just telegraphs that you're not there fo...
by daveydoo
Wed Aug 08, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Kiddie Tax 2018 - Who must file
Replies: 15
Views: 1322

Re: Kiddie Tax 2018 - Who must file

Hijack alert, but this came up on another thread: If I gift appreciated stock to my child , who then immediately sells it to pay for college, is there an advantage here? I presume they can take the basis at the time of the gift. My kids file their own taxes but they still receive > 50% of their "sup...
by daveydoo
Wed Aug 08, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help negotiating!
Replies: 15
Views: 1216

Re: Help negotiating!

Not sure whether your handle is informative or not in this context. But just looking at nothing except the numbers in front of us, I would expect a much higher salary for the extra, extra commute. That's where the money is. Pushing for a higher signing bonus just telegraphs that you're not there for...
by daveydoo
Tue Aug 07, 2018 11:50 pm
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 66
Views: 14695

Re: Anyone else decided not to finish med school?

I applaud your son for having the courage to get out as early as he did and recognize it wasn't for him. I definitely understand how difficult of a decision that is, and as a fellow "dropout" I am happy for his sake he didn't have to suffer through years 2 and 3 like I did Well, this, too. Saw this...
by daveydoo
Tue Aug 07, 2018 11:46 pm
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 66
Views: 14695

Re: Anyone else decided not to finish med school?

He finished the first year, and started into the second year when he decided to not pursue it anymore... First two years (well, first year now) is not medicine. No one likes the first two years. Even in this hand-holdy world we've turned into, I'm sure it still sucks and I know it bears no relation...
by daveydoo
Tue Aug 07, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Anyone using a Dolby Atmos-capable sound bar?
Replies: 4
Views: 242

Re: Anyone using a Dolby Atmos-capable sound bar?

For your specific issue -- dialogue -- I would upgrade the center channel only. A sound bar would be a step down.
by daveydoo
Mon Aug 06, 2018 1:39 am
Forum: Personal Consumer Issues
Topic: input on trip to Spokane, Coeur D'Alene
Replies: 25
Views: 1616

Re: input on trip to Spokane, Coeur D'Alene

I really liked the Davenport when I stayed in Spokane on business. Lovely rooms.
by daveydoo
Sun Aug 05, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 4678

Re: Maui Hawaii Trip - How to save money?

+1 re Costco. Eating-in will save you a bunch. +1 again. We got great sushi (!) there right after landing. We really did. And macadamia nuts and... We rented a few townhouse-like things right inland of The Four Seasons in Wailea. It was a fraction of the cost of the hotels and tons of room. Not rig...
by daveydoo
Sun Aug 05, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Financial planning questions
Replies: 5
Views: 835

Re: Financial planning questions

... Work = non-qualified deferred compensation plan (NQDC) - mix of index funds and index bond funds; managed by the business’ financial advisor. ... NQDC = $50000/yr... I could not get past this. The lion's share of your future investments is managed by the firm's financial advisor? What is this? ...
by daveydoo
Sun Aug 05, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4550

Re: Dear BH, what are non-BH actions you do?

Spouse got me an amazing watch for a milestone event. It was vintage -- or maybe just "used." I had the option of saying, "Ooooh, honey, it's just too much." I did not. :D If you mean investing, there are a lot of non-BH investments I'm stuck with because of capital gains considerations. I will wait...
by daveydoo
Sun Aug 05, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs and Mutual Funds
Replies: 8
Views: 628

Re: ETFs and Mutual Funds

Not a reason to use one over the other but I have found that tax-loss harvesting is more predictable with ETFs. I can pull the trigger mid-session if I "need" a particular loss amount. There are caveats so read the Wiki. For example, I would avoid ETF that are very new, very small, thinly traded, et...
by daveydoo
Sun Aug 05, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning - Tax consequences of distributing inheitance at intervals
Replies: 5
Views: 435

Re: Estate Planning - Tax consequences of distributing inheitance at intervals

If your estate/trust holds onto assets for multiple years, it will have to file an annual income tax return. +1. The biggest tax consideration may be that the tax owed on any investment return will generally be much higher in a trust or estate than what your heirs would pay, unless they already hav...
by daveydoo
Sun Aug 05, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: How do you keep your math skills sharp?
Replies: 29
Views: 1504

Re: How do you keep your math skills sharp?

OK so I clicked on this thinking I could suggest looking at whether the "big" size in the supermarket is really a better value. But I think all of you are way ahead of me. :D
by daveydoo
Sun Aug 05, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: paying for college. work level options
Replies: 13
Views: 516

Re: paying for college. work level options

Just curious -- have you confirmed with others that your benchmarking actually translates into those saved dollars, with the lag-time and/or look-back window that you envision? Has anyone made this work? Is this what the individual school tells you will be the formula? Are these formulas binding con...
by daveydoo
Sun Aug 05, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 42045

Re: TSP vs Fidelity Zeroes

As a TSP account holder, what is the best way for me to advocate more cost cuts to the Federal Retirement Thrift Investment Board? This will not happen. TSP does not need loss-leaders or market share. And if you are financially in a position where lowering your ER from 0.03 to 0.00 will do anything...
by daveydoo
Sun Aug 05, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Pricing a used car to sell
Replies: 27
Views: 1287

Re: Pricing a used car to sell

This has been my favorite -- the one-day used car sale for ~ $1500 - 2000 over trade in. Others can get more, but I can't commit the time. Have done this about six times. I get a quick online quote from KBB, which is anaIogous to a dealer's low-ball trade-in figure -- just to use as a benchmark. I p...
by daveydoo
Sun Aug 05, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Good biotech funds
Replies: 22
Views: 1636

Re: Good biotech funds

But it's also a lot higher domestically than we know. Given the ineffectiveness of the medication up to now, there's been no incentive to report it or investigate it - in the USA it might make you uninsurable? Also the sorts of most affected groups will be the socially marginal in all our countries...
by daveydoo
Sun Aug 05, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Prefinished White Oak Floors with Matching Stair Treads
Replies: 14
Views: 960

Re: Prefinished White Oak Floors with Matching Stair Treads

I know that 3/4 solid is common. My question is: can you find 3/4 solid with matching stair treads? Yes, we have matched stair treads that came bull-nosed, etc., and were just cut to length, I believe. They were unfinished, like the rest of our 3/4" red oak hardwood. This was years ago. I thought y...
by daveydoo
Sun Aug 05, 2018 3:03 am
Forum: Personal Consumer Issues
Topic: Prefinished White Oak Floors with Matching Stair Treads
Replies: 14
Views: 960

Re: Prefinished White Oak Floors with Matching Stair Treads

I want to get solid hardwood 3/4 inch This is what I think of when I think of "hardwood floors." This is also what we have. I don't think there is a product like this that is prefinished because that would seem to defeat the purpose -- a premium product that looks less expensive. The floors that ha...
by daveydoo
Sun Aug 05, 2018 2:52 am
Forum: Personal Finance (Not Investing)
Topic: Durable Power of Attorney: Implementation Report
Replies: 21
Views: 1453

Re: Durable Power of Attorney: Implementation Report

This is important and sobering. Thank you for sharing your experience.

A sib had POA as my last parent was terminally ill but we never needed to invoke it for all but a checking account to pay a few bills.
by daveydoo
Sun Aug 05, 2018 2:47 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 14130

Re: Will you pay for your kids' college/graduate education?

S&P 500 grew at 14% CAGR over the same time period. If you are wealthy enough to be paying full freight, you surely benefited from the stock market as well. I don’t see a problem here. I may be an outlier but I view these as unrelated phenomena. I don't expect the cost of my cars or my food to incr...
by daveydoo
Sun Aug 05, 2018 2:35 am
Forum: Investing - Theory, News & General
Topic: Good biotech funds
Replies: 22
Views: 1636

Re: Good biotech funds

I'd like to invest in biotech companies. Eh. I learned this lesson the hard way -- many years ago at the dawn of biotech. I'm also very familiar with this industry. I made "a lot of money" as a much younger man (think low five figures)...and lost it all in the blink of an eye. Here's the problem wi...
by daveydoo
Sun Aug 05, 2018 2:30 am
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4841

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

The IRS also says intangible benefits, such as spiritual benefits, do not reduce the deductible amount. If they did, many of the $5/week parishioners would be in the hole. None of this applies directly to DAF. Yes, that was the point -- I was being facetious. You can read the thread to see how we g...
by daveydoo
Sat Aug 04, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 14130

Re: Will you pay for your kids' college/graduate education?

^ This. "Sticker price" and out-the-door cost can vary enormously. The actual price paid by attendees has risen a lot less than the more widely discussed sticker price. In fact, this discrepancy accounts for much of the crazy increase in list price -- with the full-freighters heavily subsidizing the...
by daveydoo
Sat Aug 04, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4841

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

I repeat my earlier suggestion; Ask the donor advised fund to make this grant, fully disclosing where it is to go, and see what they say. This is not the final word by any means. The DAF custodian simply wants 100% protection for themselves. OP only needs 95% protection. It's not an issue of legali...