Search found 764 matches

by Alexa9
Tue Feb 20, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Trade my BMW?
Replies: 16
Views: 653

Re: Trade my BMW?

Repeat after me: BMW >>> baaaaaad Toyota >>> gooooood Yes, I understand that. But I already own the BMW. Now what makes the most financial sense? I was joking. Bogleheads seem to love Honda/Toyota and don't like German Luxury or American Cars (for fairly good reason). The most financial sense is pr...
by Alexa9
Tue Feb 20, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Trade my BMW?
Replies: 16
Views: 653

Re: Trade my BMW?

Repeat after me:
BMW >>> baaaaaad
Toyota >>> gooooood
Now close your eyes and repeat it again slower and slower.
by Alexa9
Tue Feb 20, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Same ETF trading in different stocks. What is the difference?
Replies: 3
Views: 265

Re: Same ETF trading in different stocks. What is the difference?

I doubt they are significantly different other than trade volume. I would see which one trades the most frequently to get the lowest bid/ask spread.
by Alexa9
Tue Feb 20, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: New Seattle travel suggestions request
Replies: 10
Views: 650

Re: New Seattle travel suggestions request

Olympic National Park is very unique scenery and may be preferable to Mt. Rainier. Pike Place Market is nice but touristy. UW Campus is very pretty. Seattle is very bike friendly if you want to rent. Uber and the bus system is also good. Enjoy the seafood while you're there. If you can extend your v...
by Alexa9
Mon Feb 19, 2018 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in a Bear Market
Replies: 7
Views: 566

Re: Rebalancing in a Bear Market

I wouldn't think of rebalancing as a strategy to increase performance but to maintain your level of risk particularly when you get near retirement. The rebalancing "bonus" is usually overstated. The market trend has generally been upward so rebalancing to bonds if anything underperforms. Rebalancing...
by Alexa9
Mon Feb 19, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: Understanding an ETF by it's Name
Replies: 23
Views: 698

Re: Understanding an ETF by it's Name

Vanguard Small Cap Value is not small enough or valuey enough for many to capture the premiums.
by Alexa9
Mon Feb 19, 2018 9:37 am
Forum: Investing - Theory, News & General
Topic: Is it "cute" to invest in sector funds?
Replies: 23
Views: 1431

Re: Is it "cute" to invest in sector funds?

Nobody knows nothing. Can't predict the future. The efficient market is usually priced correctly. If utilities are projected to do better they will have a higher P/E ratio and may be in the growth category. The most speculative thing some Bogleheads do is tilt to small cap value which has some evide...
by Alexa9
Sun Feb 18, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Best place to buy contact lenses online
Replies: 7
Views: 603

Re: Best place to buy contact lenses online

I suggest Costco for Optometry, glasses, and contacts. 1800 Contacts or similar is good if they have a 20% off promo. Sometimes credit cards have promos you can stack on top like Chase Freedom, Discover It, AMEX Blue Cash Everyday. Costco is generally cheaper even after these discounts.
by Alexa9
Sun Feb 18, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 133
Views: 7552

Re: Do you wear a wedding band?

mouses wrote:
Sun Feb 18, 2018 5:41 pm
In my experience married men who don't wear wedding rings don't want women to know they're married.
Sometimes women are more interested in men with wedding rings. :twisted:
by Alexa9
Sun Feb 18, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 59
Views: 5765

Re: Amazon Alternative

I don't like the website of eBay and Walmart but they're often cheaper. ebay is cheaper than amazon? unless you are posting from 2010, this is simply 100% incorrect. For more obscure items, eBay is often cheaper. Car parts, electronics. Not always. Good to compare. eBay has items that Amazon doesn'...
by Alexa9
Sun Feb 18, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Lump Sum/Retirement Planning
Replies: 1
Views: 152

Re: Investing Lump Sum/Retirement Planning

They should come up with a plan and stick to it. 60% bonds is reasonable in retirement but it depends on other factors like willingness to take risk, reaction to market tanking, their annual budget and net worth. A retirement calculator may be helpful in determining a safe withdrawal rate strategy.
by Alexa9
Sun Feb 18, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: Stock Market Trend [Theories/Myths]
Replies: 6
Views: 572

Stock Market Trend [Theories/Myths]

What are some of the more creative market trend myths you've heard? (I don't buy any of these btw) Markets up on the days of the month welfare is issued. Markets up at the beginning of the year due to IRA contributions. Markets down at the end of year due to tax loss harvesting. Markets up when 401k...
by Alexa9
Sun Feb 18, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO Auto Shady Practice?
Replies: 31
Views: 2144

Re: GEICO Auto Shady Practice?

I've looked to switch from Geico but no one else is even close.
by Alexa9
Sat Feb 17, 2018 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Time for a short term bond etf?
Replies: 8
Views: 1008

Re: Time for a short term bond etf?

CD Ladder might be a decent alternative. TIPS and I Bonds perhaps.
by Alexa9
Sat Feb 17, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Older iPhone slowdowns - tips or considering switching?
Replies: 18
Views: 1128

Re: Older iPhone slowdowns - tips or considering switching?

I would upgrade to an iPhone 8. You have the 6. There is the 6s and 7. So you're 3 generations back. Not that bad for technology. See if you can find a 3 year old Android phone that works as well. (Galaxy S6)
by Alexa9
Sat Feb 17, 2018 8:54 pm
Forum: Investing - Theory, News & General
Topic: Help me understand the effect of bonds during bear markets
Replies: 5
Views: 670

Re: Help me understand the effect of bonds during bear markets

Bonds: much less volatile than stocks, little downside, somewhat more risk than cash/CD's. Great for rebalancing during market swings. Don't be too conservative while you're young though. They're not going to make you rich on their own. https://www.portfoliovisualizer.com/ https://i.imgur.com/4c6SCD...
by Alexa9
Sat Feb 17, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: New to bond investing — should I seek more diversity?
Replies: 10
Views: 661

Re: New to bond investing — should I seek more diversity?

1. Total Bond Market - best
2. Short Term Treasury/Corporate - lower risk but not necessary
3. Total International Bond Market - good diversifier for 20% of bonds
4. CD Ladder - good in retirement for zero market risk
5. TIPS - debatable but may be good as an inflation hedge
by Alexa9
Sat Feb 17, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 163
Views: 10233

Re: What has been your most important skill in achieving financial independence?

Minimalist lifestyle: roof over your head, healthy food, healthcare, and transportation. Inexpensive hobbies and minimal travel. I'd much rather drive a Toyota and retire sooner than a Mercedes.
by Alexa9
Fri Feb 16, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: How to cancel TV and not Internet w/ Spectrum Time Warner
Replies: 18
Views: 1230

Re: How to cancel TV and not Internet w/ Spectrum Time Warner

Threaten to switch to AT&T when they have a promo. If they don't match the offer or come close, I'd leave.
by Alexa9
Fri Feb 16, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Short treasuries or short term bond index fund?
Replies: 13
Views: 835

Re: Short treasuries or short term bond index fund?

I think that bond funds will do fine in a rising interest rate environment. They are fairly stable no matter what if you're in it for the long haul. You may consider TIPS as well if you suspect inflation will be higher than expected (I am not sure if anyone could know that). You may also consider CD...
by Alexa9
Thu Feb 15, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 365
Views: 41469

Re: Netflix, Your Current Favorite Show

Not a big TV fan but
Planet Earth 2 - Just stunning
by Alexa9
Thu Feb 15, 2018 10:07 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 103
Views: 8323

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

People need to use the search button and read the stickies. It's like Groundhog Day. I find myself linking to the Three Fund Portfolio / Getting Started everytime a noob asks about asset allocation. I don't even bother reading help with investments much anymore. Personal Consumer issues are more int...
by Alexa9
Thu Feb 15, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - Trading
Replies: 9
Views: 755

Re: Roth IRA - Trading

It sounds like you're talking about market timing by selling and buying a different fund.
You generally want to buy and hold funds forever.
https://www.bogleheads.org/wiki/Three-fund_portfolio
by Alexa9
Thu Feb 15, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Just added Total Int'l Stock; add Total Int'l Bond too?
Replies: 25
Views: 1854

Re: Just added Total Int'l Stock; add Total Int'l Bond too?

Good move. Also add a little Small Cap Value (VBR) and International Small Cap (VSS) and you're set.
by Alexa9
Thu Feb 15, 2018 4:21 pm
Forum: Investing - Theory, News & General
Topic: Are ETFs Safe?
Replies: 11
Views: 840

Re: Are ETFs Safe?

If you're going to buy and hold them and not panic sell during a blip like the recent one, they're basically no different than mutual funds. The bid/ask spread you obviously have to be careful about in a crisis. If you're worried, mutual funds are probably better.
by Alexa9
Thu Feb 15, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value Benchmarks (related to Mid cap,too)
Replies: 13
Views: 990

Re: Small Cap Value Benchmarks (related to Mid cap,too)

Mid Cap Value is a great fund as well and has done better than Small Cap Value during several time periods. There are complaints that small value funds are not small or valuey enough. I think if you really want to capture the premium, you might consider tilting more or DFA (especially with the inter...
by Alexa9
Wed Feb 14, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Stock Index Fund [better to purchase in bear market?]
Replies: 8
Views: 1346

Re: Vanguard Total Stock Index Fund [better to purchase in bear market?]

The long term trend has been upward. Assuming economic growth doesn't slow down too much, we should be fine whether it's a bear or bull market. Even in a bear market with lower prices, you should have DRIP turned on to buy more fractional shares. A bond fund helps limit your losses in a bear market ...
by Alexa9
Wed Feb 14, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Vanguard Golf Balls
Replies: 15
Views: 1436

Re: Vanguard Golf Balls

We promise you par returns: nothing more or less.
by Alexa9
Wed Feb 14, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 86
Views: 6314

Re: Honda vs. Toyota: Which has more bang for the buck?

Can't go wrong with either one. They're the only two makes I would buy. Toyota might be a bit more reliable if you drive your cars until they die. Also quieter. Honda seems a little better interior design, sportier, and offers more intuitive features and Apple Carplay / Android Auto. The RAV-4, High...
by Alexa9
Tue Feb 13, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: rule of thumb of when to sell your car
Replies: 50
Views: 3361

Re: rule of thumb of when to sell your car

A Camry should last a long time. If you need a very reliable vehicle for your commute, I think 10 years / 200k miles is a reasonable amount of time before getting something new. If you don't mind renting a car while yours is in the shop or you can convince them to give you a loaner, I would keep goi...
by Alexa9
Tue Feb 13, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Recent Music School Grad Needing Advice
Replies: 10
Views: 982

Re: Recent Music School Grad Needing Advice

This would be my priority:
1. Invest: Solo 401k? IRA? Roth?
2. Pay down loans
3. Save for a home
by Alexa9
Tue Feb 13, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 90
Views: 4744

Re: Question for music experts about musical keys

Songs in different keys have a different vibe to them. You notice this when the key is in the song title in classical pieces. Bach's Lute Suites are a good example. A minor brings a different feeling than other minors. Hard to describe what that feeling is. It's just a different frequency. Also many...
by Alexa9
Tue Feb 13, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor???
Replies: 11
Views: 686

Re: Financial Advisor???

If you need an adviser, you probably want a fiduciary fee only by the hour CFP/CPA to help you with complicated issues (like getting you and your wife on the same page for retirement planning) that isn't going to sell you annuities or insurance you don't need. With regards to asset allocation, you d...
by Alexa9
Mon Feb 12, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 114
Views: 8072

Re: What big item (>20k) are you saving up for?

Don't give me any ideas!
My goal is to spend as little as possible and get rid of most of the junk I've got! :mrgreen:
by Alexa9
Mon Feb 12, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant not doing taxes while you are there
Replies: 21
Views: 2133

Re: Accountant not doing taxes while you are there

To me it would seem awkward for them to do them while you sit there and wait. Like they would have to multi task making conversation while filling things out. Seems like a waste of time and they don't want to waste your time. It's pretty boring stuff honestly. Although if you would prefer to be ther...
by Alexa9
Mon Feb 12, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 6369

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

I enjoy winter until about this month. I've learned to just accept it and spring is that much more welcome when it comes.
I wouldn't want to go to an airport/airplane in this flu season. I know why the Chinese people wear masks in public now.
by Alexa9
Mon Feb 12, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7104

Re: I’m not renewing my Costco membership.

Costco and Amazon Prime have a membership fee that encourages some people to buy stuff that they may not need (impulse purchases) to justify the fee. I think the fee is worth it for convenience with Amazon (save a half hour trip just for an HDMI cable) and bulk/quality items at Costco especially if ...
by Alexa9
Sun Feb 11, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance on my name or kid's ?
Replies: 3
Views: 332

Re: Car insurance on my name or kid's ?

I would put title and insurance in his name. You might find that someone would still come after you in a lawsuit. Does he live with you? Going to college?
by Alexa9
Sun Feb 11, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Good companion card to Quicksilver?
Replies: 14
Views: 518

Re: Good companion card to Quicksilver?

Amazon or Costco cards are good if you shop there. AMEX Blue Cash Preferred if you spend a lot on groceries. Chase Freedom or Discover IT rotating 5% categories. Citi Doublecash > Quicksilver unless you're travelling abroad a lot (no FTF) Airline/Travel/Hotel cards to get a free flight/night or two ...
by Alexa9
Sun Feb 11, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: Help new boglehead understand expense ratios
Replies: 11
Views: 791

Re: Help new boglehead understand expense ratios

The majority of funds do not outperform Total Stock Market over the long term. Most active funds close due to underperformance. It is a benchmark and although it is just an "average" return, it's not possible to do much better than average. If you want higher possible returns with more risk, you mig...
by Alexa9
Sun Feb 11, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 70
Views: 4088

Re: How does one emotionally keep it together during market swings?

Ignore the noise. Auto Invest/Rebalance/Withdraw. Completely automate everything and worry about more important things that you have control over.
by Alexa9
Sun Feb 11, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6399

Re: Does it ever make sense to buy a new car?

The most expensive time of ownership is the first few years because of depreciation but it's generally hassle free. The most expensive part of the last few years is repairs and maintenance and it can be a hassle if you need a reliable vehicle to get to work. I think the sweet spot of car ownership i...
by Alexa9
Sat Feb 10, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Small,Mid,Sp500 vs total stock market: Vanguard
Replies: 49
Views: 5511

Re: Small,Mid,Sp500 vs total stock market: Vanguard

The small cap premium is good, but the value premium is larger. You may want to tilt to that as well if you're hoping to beat Total Stock Market (which isn't guaranteed by any means).
by Alexa9
Sat Feb 10, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Dropping comprehensive/collision auto insurance - implications with rentals?
Replies: 23
Views: 1222

Re: Dropping comprehensive/collision auto insurance - implications with rentals?

Depends on your insurance. Some cover rental cars, some don't.
Same with credit cards. Some are better than others.
Should be able to ask an agent or read through your contract.
I believe that card has some of the best coverage.
by Alexa9
Sat Feb 10, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and financial plan -- 9 years til retirement, maybe less??
Replies: 11
Views: 1257

Re: Portfolio review and financial plan -- 9 years til retirement, maybe less??

This should be the core of every portfolio: https://www.bogleheads.org/wiki/Three-fund_portfolio I would suggest saving significantly more than you think you need for retirement depending on your lifestyle and budget. Peace of mind is good and working as long as you can (assuming you somewhat enjoy ...
by Alexa9
Sat Feb 10, 2018 12:57 pm
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 2986

Re: Black Theme for Site?

Something you might consider is using a browser add-on to adjust the appearance of any website. For example: https://chrome.google.com/webstore/detail/dark-reader/eimadpbcbfnmbkopoojfekhnkhdbieeh?hl=en That is a good idea. I found a few Chrome extensions that work pretty well although the site is w...
by Alexa9
Sat Feb 10, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Do you have a Japanese bath in your house?
Replies: 27
Views: 3872

Re: Do you have a Japanese bath in your house?

Soaking tubs seem to be very nice, use less water, drain quickly, fill up to your chin, but you are in a sitting position rather than laying flat like a bathtub.



Image
by Alexa9
Fri Feb 09, 2018 9:46 pm
Forum: Investing - Theory, News & General
Topic: I still know nothing - 22 years of REALLY lazy investing
Replies: 23
Views: 4727

Re: I still know nothing - 22 years of REALLY lazy investing

You look like a good candidate for Vanguard Lifestrategy Moderate Growth with auto-investment from your checking account. Don't even look at it until you're 65. This will help you avoid tinkering with asset allocation, market timing, stress, anxiety, etc. Invest you must, time is your friend, impuls...
by Alexa9
Fri Feb 09, 2018 9:39 pm
Forum: Investing - Theory, News & General
Topic: Are Our VG Target Retirement Funds Rebalancing in "Real Time" During This Volatility?
Replies: 6
Views: 880

Re: Are Our VG Target Retirement Funds Rebalancing in "Real Time" During This Volatility?

I was wondering this as well. Rebalancing constantly in a steady downward (or upward) trend would underperform rebalancing annually. However, in a zig zag up and down, rebalancing constantly outperforms once a year. Riding the bull or bear market is a fool's game. In the scheme of things, I don't th...