Search found 333 matches

by carguyny
Fri Dec 07, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Marriott data breach, what are you doing about it?
Replies: 11
Views: 1325

Re: Marriott data breach, what are you doing about it?

The only data in my profile is my physical address, email address (tier 2 website one that I will delete in a year or two for rotation) and cell phone. My real emails (statements from banks etc) all go to an email that is never given out. I never put anything but the minimum required to open an acco...
by carguyny
Sun Dec 02, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 52
Views: 3957

Re: Please Recommend a New Car for Me

Ride share (Uber/Lyft/Via) - rates will keep coming down and used car values will continue to tank. Rent a car on specific days you need it and I'm sure you're better off. If in a busy city, can you rent out vacant car parking spaces? I used to make $850/mth renting out two spaces I wasn't using at ...
by carguyny
Thu Nov 29, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 8687

Re: How did YOU choose your career?

I was very good at maths and physics in HS, so thought I wanted to do computer science, which was a newish field still. Very very early internet days. I enrolled in the program and hated my professors and didn't want to spend my life working with people like them. I switched to Finance because it wa...
by carguyny
Tue Nov 27, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5529

Re: Is good, quality luggage worth the price?

I'm on the road a lot and average about 100 flights a year. I have a huge hatred of any wheeled bags. I refuse to let my team memebers that travrl with me bring them. They just slow you down and don't fit in all aircraft. My current bag is a small duffle with a suit carrier that drapes over it. It c...
by carguyny
Fri Nov 23, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5445

Re: New TV Recommendations Please?

Best options when I was looking were the Samsung Q9FN (QLED) and LG OLED 8 series. We went the Samsung for the simple reason our room is very bright and the picture in the middle of sunlight is outstanding. No regrets on the decision, but next one we will buy is likely the LG OLED Wallpaper TV as th...
by carguyny
Thu Nov 22, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: Men's crew neck t-shirts
Replies: 47
Views: 3706

Re: Men's crew neck t-shirts

RibbedTee. You’re welcome. +1 - I'm a huge fan of their EVO Tencel Tan V-Necks, won't buy anything else now. Before that I wore Merino for years and regular cotton for 10+ years. RibbedTee only these days, unless I'm heading to say Calgary in the middle of winter, then I throw on a Merino one inste...
by carguyny
Tue Nov 20, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Good oil for cooking and salad?
Replies: 38
Views: 2460

Re: Good oil for cooking and salad?

Trader Joe's Tunisian Olive Oil for salads and flavor. Go with Coconut for high temp cooking - TJs has it in spray form etc.
by carguyny
Tue Nov 20, 2018 6:34 am
Forum: Investing - Help with Personal Investments
Topic: Can someone explain what's going on [with the stock market]?
Replies: 96
Views: 13100

Re: Can someone explain what's going on..........

Many leading indicators right now continue to point to a global and US slowdown. Corporate debt to me has been the most likely cause of a next 50% drop and that is still getting worse.

I don't read the financial press, so not sure what they're saying.
by carguyny
Sat Nov 10, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3671

Re: International Travel during Maternity/Paternity

Unless you take a nanny, you're just going to spend money on a accomodations and not see much. Also, an infant in a b&b will likely end up with you being asked to leave. Some kids also have complications and need to have far more frequent medical care. Some kids are easy, but as a first time parent ...
by carguyny
Sat Nov 10, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 4033

Re: aerobic exercise: rower vs. treadmill and elliptical

There are plenty of options and what matters more is what you'll use more. You mention a budget as well, there are some great cardio budget options. Some of my favorites are sledge hammer and tire, bulgarian bag, heavy boxing bag and mits. I have a rower, do sprint training, bike etc. But I would go...
by carguyny
Sat Nov 10, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 95
Views: 8185

Re: Finances in NYC

I wouldn't do it - you'll be living a very tough lifestyle. Everything is expensive, much more expensive than you think. Eating out/bars/groceries are going to seem stupidly expensive.

We pay fresh graduates about $185k/year and they all share apartments due to the cost of living.
by carguyny
Wed Oct 31, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: How much to offer on new construction home
Replies: 31
Views: 2246

Re: How much to offer on new construction home

With no gutters, I would expect some foundation damage or flood damage. All the rainwater is running off the roof and sitting in the foundation. We had one storm where our basement flooded due to gutters needing a cleaning. This was the one and only time it happened despite multiple hurricanes. I wo...
by carguyny
Fri Oct 26, 2018 7:04 am
Forum: Investing - Theory, News & General
Topic: Market irrationality
Replies: 35
Views: 4092

Re: Market irrationality

I don’t think that it’s irrational for the market to react to: 1.) significantly above average valuations 2.) newly implemented (and increasing) impediments to trade In fact, I’d say that Mr. Market is reacting appropriately. +1 - Add in highly probable wage inflation, inflation ticking up and I wo...
by carguyny
Thu Oct 25, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7696

Re: Reaction to Market

Hard to tell if this is the start of a 50%+ drop or a minor correction. Make sure you're positioned for either. There have been only two bear markets with US stock market declines (as measured by the S&P500) in excess of 50% ('29-'32 down 86% and '07-'09 down 56%). One would have to have an incredi...
by carguyny
Thu Oct 25, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Exotic Car Financing
Replies: 37
Views: 1690

Re: Exotic Car Financing

Car market has been hot/over extended for a while now. I would assume more depreciation (double what you have) in whatever you buy, some cars are more resiliant - e.g. 458 Speciale, GT3 RS etc. But unless you're buying one of them assume you're going to have a very hard time finding a buyer in 3 yea...
by carguyny
Wed Oct 24, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7696

Re: Reaction to Market

Best thing you could do is look at your asset allocation and adjust as necessary based on your reaction to the last few weeks. Hard to tell if this is the start of a 50%+ drop or a minor correction. Make sure you're positioned for either.
by carguyny
Tue Oct 23, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4049

Re: Coffee grinder

I only drink Espresso, my preferred grinder at the moment is the Helor 101. For some reason I enjoy the manual grind routine much more at 4:45am than electric. Espresso grade electric is also very expensive, but I love the manual process.

https://helor-coffee.com/101/
by carguyny
Mon Oct 22, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5224

Re: What to do with >$1000 in Amazon credits?

In our market which us UHCL, we save a lot for money by using Amazon subscribe and save for things like tea bags, toilet paper, paper towels, laundry detergent, pet food, dry groceriec etc. We have over 20 subscriptions getting 15% off. Might be wrorth comparing to use up the balance.
by carguyny
Sat Oct 20, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Constructing a 100% equity diversified Factor portfolio
Replies: 14
Views: 1637

Re: Constructing a 100% equity diversified Factor portfolio

You're missing a lot of options, do more research and find what you like best. Some examples include without having to google any are GEM, GSIE, GSSC, GSLC, USMF, DWMF, EMMF. Lots of choices, some with substantial assets, low bid/asks and some with hardly anything. Make sure you understand what hold...
by carguyny
Fri Oct 19, 2018 2:23 pm
Forum: Investing - Theory, News & General
Topic: How do you trade ETFs exactly like mutual funds?
Replies: 51
Views: 3377

Re: How do you trade ETFs exactly like mutual funds?

Certain brokers (.e.g. Interactive Brokers) let you place "Market at Close" orders, so it will be pretty close. However, it doesn't account for the premium/discount the ETF might be trading at.
by carguyny
Tue Oct 16, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 33
Views: 1879

Re: Sneakers with good arch support

I'm going to buck the trend and say to retrain your body to get used to a natural footstrike. I was a candidate for a knee reconstruction after playing football for 20 years. I started doing my own research when the barefoot movement was new (some 12 years ago) and have been running/powerlifting/mou...
by carguyny
Sun Oct 14, 2018 5:42 am
Forum: Investing - Help with Personal Investments
Topic: 1M Portfolio - Asset allocation for mid 40's [Australia]
Replies: 13
Views: 1284

Re: 1M Portfolio - Asset allocation for mid 40's [Australia]

Just having a quick look at the Vanguard Australia website, can't you save on fees by going with VTS (Vanguard US Total Market Index) and VEU (anguard All-World ex-US Shares Index) vs VGS? Not sure on the currency differences, but VGS isn't hedged either.
by carguyny
Sun Oct 14, 2018 5:14 am
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 102
Views: 10565

Re: Weigh in on our Marital Argument =)-- HCOL edition

Not clear you've included NYC taxes in your analysis, they're about $11,800/year for you. Moving to the suburbs is more likely going to cost you a lot less and improve school quality and quality of life. The NYC schools generally aren't very good. Don't be worried about commute time, I take a train ...
by carguyny
Sat Oct 13, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2751

Re: Making Winter Camping more comfortable

I like to take the bare minimum. Outwear/shells (1 down jacket, 1 hard shell jacket, 1 hard shell pants, 1 soft shell jacket, 1 soft shell pants, glovesx2, beaniex2) and 2 pairs of tights, shirts, socks and undies (all merino) will get me through any length of time. If it's colder, I like the merino...
by carguyny
Fri Oct 12, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7352

Re: My life saved by New subaru. Almost died.

OP, glad it avoided the crash for you. We've had these systems in all of our family cars for years now. If you watch some of the European safety agency videos they actually test them using foam obstacles to see how each manufacturers system operates. I watch all of these videos on various cars befor...
by carguyny
Fri Oct 12, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2844

Re: TV recommendation for my father

I have the current top of the line Samsung and the remote has maybe 10 buttons. We use YouTubeTV and it's installed as the default app. Literally the only buttons used on the single remote are power, the scroll wheel, enter and back. It's much simplier than any cable service remote. The channel list...
by carguyny
Wed Oct 10, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Pls help us design our family life!!!
Replies: 42
Views: 5410

Re: Pls help us design our family life!!!

Take the $220k cash and add $20k to emergency fund, pay the rest off the mortgage. Don't refinance nor recast the mortgage as this will get you on a path to have it paid off sooner. IMO, you need a forced savings plan above the $700/month if you don't want to cut expenses - it will be tied up in you...
by carguyny
Wed Oct 10, 2018 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8476

Re: What did you buy today

10 year treasury notes in the auction, 30 year treasury auction is tomorrow.

I run a 50/50 short term and long-term treasury only bond allocation.

Hopefully rates continue to improve.
by carguyny
Tue Oct 09, 2018 2:17 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4697

Re: Should I, and how, act on changes in managing diet and health?

One way to play out your thesis and also continued population growth is to invest in Water and Agriculture. Many ways to do this, but if you took a small allocation (5% or so) in these sectors you can play your bet. Note it's a bet, despite what you think health wise. I've always taken very serious ...
by carguyny
Sun Oct 07, 2018 10:08 pm
Forum: Investing - Theory, News & General
Topic: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat
Replies: 77
Views: 8098

Re: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat

What is the actual benefit of the Vanguard ownership structure? I for one feel nothing like an owner, there are no financial reports, no voting ability, no reduced exec comp (not McNabb was rumoured to earn up to $15m/year etc. Vanguard is now behind Blackrock, Fidelity and Schwab in many core fund/...
by carguyny
Sat Sep 22, 2018 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Linking Interactive Brokers (Checking) Account to an External Bank
Replies: 8
Views: 712

Re: Linking Interactive Brokers (Checking) Account

I have my bank accounts saved on the IB side - takes about 3 or 4 days for each ACH to be available. BPay is actually the fastest if your bank has them in their system. I can BPay as late as 8pm ET and it clears on the IB side by 10am the next morning.
by carguyny
Thu Sep 20, 2018 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Traveling overseas .. credit cards? cash exchange?
Replies: 43
Views: 2860

Re: Traveling overseas .. credit cards? cash exchange?

Was in Norway last month and was shocked that some hotels and restaurants DO NOT TAKE CASH. Credit/debit cards only. Times are a'changing…. Was in Italy last month and if you're off the beaten track many places only take cash. Norway and Italy are very different places. What I travel with and I tra...
by carguyny
Wed Sep 19, 2018 5:27 am
Forum: Investing - Theory, News & General
Topic: Why is it so much cheaper to borrow money in Euros?
Replies: 19
Views: 2187

Re: Why is it so much cheaper to borrow money in Euros?

True risk free trade the cost will be within 1 or 2 bps of each other. You need to borrow Euro, convert to USD at spot, have small forwards on coupon payments, have maturity payment forward for principal. Last time I needed to calc it all out, they happened to be spot on - ignoring transaction costs.
by carguyny
Mon Sep 17, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Travel- overwater bungalows
Replies: 16
Views: 2445

Re: Travel- overwater bungalows

OWBs at the Hilton in Moorea (we didn't go to Bora Bora) were NOT secluded (unless maybe you were the end unit), as a boardwalk connected them (not a boat). So the ones closest to the shore were guaranteed to have people walking buy. To be honest, we didn't think that much of Tahiti. It is like a v...
by carguyny
Sat Sep 08, 2018 7:17 pm
Forum: Investing - Theory, News & General
Topic: Deep ITM call options and asset allocation
Replies: 12
Views: 965

Re: Deep ITM call options and asset allocation

1 week or 2 of bad news could wipe all of the intrinsic value of the options out. I recommend you don't count it at all until you're 100% realized - I had an option trade on a very volatile stock move more than 3,000% in one day last week, 600% is a day or two in the options world. Also, know that t...
by carguyny
Sat Sep 08, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 3220

Re: Is it sensible to buy a car from Elon Musk?

Not such much an EM issue, but parts availability is already terrible. If the company goes into more financial stress, I doubt it will get better. If it goes under, someone will need to make molds for things like bumpers, or figure out how to buy the molds from a s. 363 sale which will take a long-t...
by carguyny
Fri Sep 07, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: D. E. Shaw fund prospectus - would you invest?
Replies: 35
Views: 2314

Re: D. E. Shaw fund prospectus - would you invest?

As an industry insider, if you're seeing it as an individual it's probably the crap the institutional LPs didn't want. You won't get access to any of the great funds as a retail investor unless you're friends with the Managing Partner.
by carguyny
Fri Sep 07, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Large Family Trip - Florida or Carribean
Replies: 24
Views: 1795

Re: Large Family Trip - Florida or Carribean

Barbados has some of the best waters anywhere in the world, will be around 80F water temp in February.
by carguyny
Fri Sep 07, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: could windshield claim to insurance impact what i pay?
Replies: 14
Views: 843

Re: could windshield claim to insurance impact what i pay?

We have Chubb, but last year my wife got one when driving. She called them, they asked if we try a repair first and send a repair truck to where the car was parked. Repair job was perfect and they paid the company directly. No change in our rate at all. They followed up to make sure we were happy an...
by carguyny
Fri Sep 07, 2018 7:16 am
Forum: Investing - Theory, News & General
Topic: Are the stock market movements really random?
Replies: 37
Views: 2965

Re: Are the stock market movements really random?

Not random, just difficult to capture what drives it using statistics and maths. The shorter the interval the more predictable it is based on psychology and trends, the longer the interval the more predictable it is based on fundementals. The events that drive the stock price can be random (e.g. Mus...
by carguyny
Wed Sep 05, 2018 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 45455

Re: Lucrative careers?

I work in funds management - started earning 7 figures in my 30s, current thought is to retire at 45 and just trade for myself.
by carguyny
Wed Sep 05, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Google's secret deal with MasterCard to buy all your CC transactions
Replies: 25
Views: 3223

Re: Google's secret deal with MasterCard to buy all your CC transactions

I have my credit cards in Google pay already - gives me an alert of my phone when a transaction is posted. Great security when travelling etc. They also give my digital wallet a different card number than the physical card to protect my physical card further. Today I'm carrying 0 physical cards - in...
by carguyny
Sun Sep 02, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Wiring the Home With Ethernet: What to Buy
Replies: 54
Views: 3435

Re: Do-It-Yourself Wiring the Home With Ethernet: What to Buy

I think you'll save time and money creating a Google mesh network. Or are you looking at this as a hobby? Plus, it should increase the value of the house. Unfortunately, it will not. There will be a $0 gain in value. It would be good to consider the expected lifecycle of the system you are putting ...
by carguyny
Sat Aug 25, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in a Broadway show production
Replies: 28
Views: 2492

Re: Investing in a Broadway show production

Friends of mine invested in a show a couple of years ago (Executive Producer I think) - show was successful, critics loved it, nominated for a tony. They got to attend the Tonys as well as opening night. Total money recovered is still $0.
by carguyny
Thu Aug 23, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8809

Re: $65K Fun Daily Driver

Take a look at an Audi RS5 Sportsback - I think it might be the best one car to rule them all. A little above budget, but not that much above. I had the old RS5 and if it wasn't a coupe I might have kept it longer. I've also had a Macan S and Macan Turbo - I wouldn't go in that direction, much less ...
by carguyny
Tue Aug 21, 2018 10:59 pm
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 75
Views: 5893

Re: You Invest from JP Morgan [free trades offer]

I was a chase client back when you could buy Vanguard Admiral shares for free. I held some cash in a Vanguard Money Market fund as their savings interest rate was 0.02%. Sold some of the holdings one day and a little more 20 days later as I was using it to hold some cash ear marked for spending. The...
by carguyny
Fri Aug 17, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 4023

Re: Best (most practical, low cost) Luggage for Airline Travel

Thinking a bit outside of the usual luggage store fare, consider looking at the Osprey brand. Found at outdoors stores (for example REI) their travel luggage line has many sizes and styles, is very lightweight, very rugged, designed with good features, and reasonably priced. We have an Osprey bag t...
by carguyny
Fri Aug 17, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Quant / Financial Technology Job Opportunities / companies in New York City
Replies: 31
Views: 2237

Re: Quant / Financial Technology Job Opportunities / companies in New York City

Best advice would be for him to start algo trading now and show a great track record of success. You need to stand out, show you've got what it takes. Uhmmm really. :?: These folks are numbers, modelling, probability and theoretical folks, will see/ Just my view as a Quant trained Fund Manager - ev...
by carguyny
Fri Aug 17, 2018 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Quant / Financial Technology Job Opportunities / companies in New York City
Replies: 31
Views: 2237

Re: Quant / Financial Technology Job Opportunities / companies in New York City

Best advice would be for him to start algo trading now and show a great track record of success. You need to stand out, show you've got what it takes.
by carguyny
Sun Aug 12, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 55
Views: 7888

Re: Moving from Vanguard to Fidelity

It seems crazy to me to switch to Fidelity for a few basis points on index funds. Check out their money market and bond funds. Lot more expensive than Vanguard. Lot more “hard sell” at Fidelity. Fidelity is a private company. It is in business to make a profit and to look out for the interest of it...