Search found 1561 matches

by Alexa9
Mon Oct 22, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 124
Views: 6982

Re: Quitting w/o notice

So, I don't want to go in alot of detail, but I've made up mind to quit my job. I've been stressed out for the last 4-6 months and having panic attacks, waking up at night, etc. The majority of it is my job and part having to deal with my dad being very sick. Obviously it depends on the job, but I ...
by Alexa9
Mon Oct 22, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Do you use any economic "theory" in your approach to investing?
Replies: 12
Views: 680

Re: Do you use any economic "theory" in your approach to investing?

Efficient Market Hypothesis is the strongest case for indexing. As Bogle quoted one of his bosses in his early days, "Nobody knows nothing!"
by Alexa9
Mon Oct 22, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: Too Much Apple [AAPL] Stock
Replies: 51
Views: 4804

Re: Too Much APPL Stock

Even the Total Stock Market is too concentrated in AAPL for me. That's why I tilt small, value, and use international and bonds. Not too big to fail. The smartphone market is ripe for disruption.
by Alexa9
Mon Oct 22, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 28
Views: 1589

Re: Do I need laptop software?

I see recommendations for Linux Mint, Ubuntu, Chromebooks, etc. I am coming from a Windows machine running Windows 7. What about drivers to run my printer and scanner? I know I need to take action sometime, since Win7 is not supported past next year. I would love to move away from Windows if I can ...
by Alexa9
Sun Oct 21, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 28
Views: 1589

Re: Do I need laptop software?

Write letters in ms word, internal email with ms outlook on the workstations and ms exchange, which holds the mail on the server, a man'f application, some excel and old paradox databases. What usually happens is the server dies and the vender comes in and install all newer ms stuff. $10k +. That s...
by Alexa9
Sun Oct 21, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 28
Views: 1589

Re: Do I need laptop software?

We have a ms server with exchange and 15 workstations. Could I use Linux to replace MS? The network has, and does not need any internet/cloud connection. Tu, Tennisplyr, Alexa and all! What exactly do you do with these workstations? You might get more feedback on a Linux forum about what you can/ca...
by Alexa9
Sun Oct 21, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 44
Views: 3512

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

Amazon does sell gold if you have a place nearby to liquidate it at market value. In fact this would be a great manufactured spending technique I haven't heard of before. Otherwise I'd buy normal stuff like groceries, electronics, household goods, clothing, etc. on Amazon. No rush. It's where I buy ...
by Alexa9
Sun Oct 21, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: 50 Stocks Enough to Diversify Idiosyncratic Risk?
Replies: 26
Views: 1627

Re: 50 Stocks Enough to Diversify Idiosyncratic Risk?

I agree that 50 large caps in a variety of sectors is good enough if you had to. However, I see no reason to do this unless you're very high net worth and expense ratios matter more. Transaction costs may be an issue for the average investor. Anyways, Fidelity has zero expense ratio funds now. Looki...
by Alexa9
Sun Oct 21, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 28
Views: 1589

Re: Do I need laptop software?

If you don't know what software you need, you probably don't need it! Windows, Mac, Chromebook, Linux, they're all great in their own ways. Windows: most susceptible to viruses, best for gaming and software Mac: nice interface, pricy Chromebook: cheap, simple, basic Linux: simple, customizable, work...
by Alexa9
Sun Oct 21, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 2845

Re: Why Purchase an Automobile using Premium Gasoline?

Why do people buy Ferraris? Why do people buy Camrys?
One man's appliance is another man's toy.
Are you looking to get from point A to B or have fun?
by Alexa9
Sun Oct 21, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Recently made a separate account used for spending on fun, entertainment, and things I wouldn’t normally buy
Replies: 12
Views: 905

Re: Recently made a separate account used for spending on fun, entertainment, and things I wouldn’t normally buy

I get a lot of bang for my buck on electronics: headphones, speakers, stereo, computer, TV, smartphone.
Nice cooking equipment and good food is always nice.
Costco/Amazon membership will help you blow your money.
by Alexa9
Thu Oct 18, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: US Large Value or Int'l Small for the long term
Replies: 8
Views: 621

Re: US Large Value or Int'l Small for the long term

Why not both? :beer
But I'd have to say the value premium historically is slightly higher than the small premium. Combine the premiums and I would choose small value over either of them alone.
by Alexa9
Thu Oct 18, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Why dismiss sectors?
Replies: 31
Views: 1627

Re: Why dismiss sectors?

It is speculative and active investing as much as picking stocks. The sectors are already priced efficiently. Name one sector you're bullish on and there are likely as many people bearish. Unpredictable.
by Alexa9
Thu Oct 18, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Help with college age sons Roth IRA options...
Replies: 15
Views: 813

Re: Help with college age sons Roth IRA options...

ETFs: VTI, VXUS, BND (Three Fund Portfolio) or Target Date / Lifestrategy Fund

I would skip the middleman and go straight to Vanguard though.
by Alexa9
Thu Oct 18, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5061

Re: Spoke with a CFP...underwhelming!

Their job is to help and teach people that don't know much. If you're already an expert, what's the point? Did you just want to point out their supposed errors? Like any profession, some are better than others.
by Alexa9
Thu Oct 18, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Best first time computer / path for children
Replies: 15
Views: 998

Re: Best first time computer / path for children

I'd highly recommend Costco for a desktop. They have a 90 day return policy and free 4 year warranty if you purchase with the Citi Costco Visa. Their prices are competitive. High end: https://www.costco.com/Alienware-Aurora-Gaming-Desktop---Intel-Core-i7---GeForce-GTX-1080-Ti.product.100405484.html ...
by Alexa9
Wed Oct 17, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Best first time computer / path for children
Replies: 15
Views: 998

Re: Best first time computer / path for children

I would build a computer with him using www.pcpartpicker.com You'll save a ton and it's a fun and fairly easy project. 8GB RAM or 16 if you want future proof 7th gen Intel i5 250 or 500GB SSD Compatible Motherboard Case + Power Supply Graphics card depending on how much gaming he is interested in. I...
by Alexa9
Wed Oct 17, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Denied credit card with great credit
Replies: 17
Views: 1662

Re: Denied credit card with great credit

Chase will automatically deny you with their 5/24 rule. If you're obviously churning big bonuses, I don't blame them for denying you.
by Alexa9
Wed Oct 17, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Determining the "Better Buy"
Replies: 4
Views: 324

Re: Determining the "Better Buy"

You could argue that the US is similar a growth stock right now from CAPE ratios compared to value international.
This is for good reason although I would continue to hold global market weight in equities.
by Alexa9
Tue Oct 16, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Using Target Date Funds as Buckets
Replies: 3
Views: 324

Re: Using Target Date Funds as Buckets

These funds are good in tax advantaged accounts. Not so tax efficient in taxable. Lifestrategy Funds are fairly similar only they don't have a glide path. The three fund portfolio is also very good and simple. Those conservative all in one funds have a good chunk of international bonds which are deb...
by Alexa9
Mon Oct 15, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 50
Views: 4868

Re: Kids not interested in money / allowance

Sounds pretty normal. What do they like? Are they aware of how much things cost? A house, car, computer, vacation, smartphone, etc.? Perhaps a personal finance course in middle school might open their eyes. Growing up sheltered about money (not saying they are) will be shocking once they are on thei...
by Alexa9
Mon Oct 15, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: HDMI Splitter or Switch?
Replies: 24
Views: 1375

Re: HDMI Splitter or Switch?

Not sure if this is what you want, but a home theater stereo like Yamaha RXV385 has 4 inputs and one output to the TV.
Add 2 or 4 speakers and maybe a subwoofer. Will definitely sound better than a soundbar.
by Alexa9
Mon Oct 15, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: looking for light weight smart phone
Replies: 9
Views: 351

Re: looking for light weight smart phone

Galaxy A3 is <4oz
Might find a battery on eBay
by Alexa9
Sun Oct 14, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: tablet or small laptop for general and travel computer?
Replies: 41
Views: 2215

Re: tablet or small laptop for general and travel computer?

I prefer a Linux desktop and my large screen iPhone as my only devices. An iPad is okay for airplane movies but my iPhone is easier and it's good to make myself just read a book. A Macbook Pro is okay but I'd rather use a desktop at home or iPhone on the go. I would choose an iPad over a Macbook Pro...
by Alexa9
Sun Oct 14, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Boglehead's Car Talk
Replies: 35
Views: 3313

Re: Boglehead's Car Talk

If you look at it logically and rationally you should like a reliable boring car.
If you look at it emotionally, you'll fall for the high maintenance fun car.
Neither choice is wrong!
by Alexa9
Sun Oct 14, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1840

Re: Buy car cash or take low rate loan

Peace of mind of not having an outstanding loan and payment every month is worth it to me. I don't even really like keeping track of my credit cards.
by Alexa9
Sun Oct 14, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10372

Re: Should we move to San Diego from east coast?

Pros: best weather in the country: no need to go on vacation, ocean, excellent restaurants especially Mexican, college system is desirable in CA. Cons: California has some "interesting" politics going on but I won't go there. It is overcrowded. You can see Tijuana from San Diego and there is likely ...
by Alexa9
Sat Oct 13, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: 1% Balance Transfer - Uber Barclays Visa
Replies: 16
Views: 802

Re: 1% Balance Transfer - Uber Barclays Visa

If you are fully capable of paying it back on time (secure job). Investing on margin is usually not recommended. Barclays has some of the best offers I've seen. Also be aware of how much credit utilization it will use and affect your credit score.
by Alexa9
Sat Oct 13, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]
Replies: 25
Views: 1698

Re: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]

Seems like the only alternative to DFA and a mediocre one (dividend play rather than pure value, higher ER). I'd somewhat rather use VSS. Surprising there aren't more options with all the kooky ETFs out there.
by Alexa9
Fri Oct 12, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 49
Views: 3296

Re: Lost Power for 24 hours - what food to toss?

What was the temperature outside/inside and how often did you open your fridge? Kale should be fine especially if you cook it.
by Alexa9
Fri Oct 12, 2018 8:41 am
Forum: Investing - Theory, News & General
Topic: Does it make sense to consider that stocks are 'on sale' when there's a correction?
Replies: 84
Views: 4283

Re: Does it make sense to consider that stocks are 'on sale' when there's a correction?

I would say the exact opposite. For a young investor, the whole idea that present day values have any predictive worth as an indicator of future returns is almost entirely irrelevant if she has decades until retirement. The price today has very little bearing on valuation and returns 20-30 years fr...
by Alexa9
Fri Oct 12, 2018 7:59 am
Forum: Investing - Theory, News & General
Topic: Does it make sense to consider that stocks are 'on sale' when there's a correction?
Replies: 84
Views: 4283

Re: Does it make sense to consider that stocks are 'on sale' when there's a correction?

It's all based on perspective. A young investor shouldn't mind a dip or even a crash and can consider stocks on sale. If you're in retirement you don't want stocks to be on sale because it could be a significant chunk of your nest egg. However, the market can't go up forever, so you should be insula...
by Alexa9
Fri Oct 12, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Key West Hotels
Replies: 27
Views: 1799

Re: Key West Hotels

Have you used Airbnb or VRBO? I've had better luck with those than hotels and the reviews are fairly reliable. Nice to have a kitchen. Although a hotel with a pool might be fun for the kids since Key West isn't known for beaches. We stayed a ways away from the bars for quieter nights.
by Alexa9
Thu Oct 11, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2602

Re: TV recommendation for my father

I would get an LG or Samsung from Best Buy, Amazon, or Costco. Whoever's cheapest. If you can wait until Black Friday you should get a good deal. https://www.amazon.com/LG-Electronics-55UK6300PUE-55-Inch-Ultra/dp/B079V24YQY/ref=sr_1_3?s=tv&ie=UTF8&qid=1539306670&sr=1-3&keywords=lg+55+inch+4k+tv http...
by Alexa9
Thu Oct 11, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 44
Views: 2860

Re: Which one: Lyft or Uber?

Lyft is cheaper I believe. I can't really tell a difference. Uber may have more options: taxi/XL/Black. I would set up both just in case one is slow to find a driver.
by Alexa9
Thu Oct 11, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Considering new Honda Pilot, other suggestions?
Replies: 35
Views: 1899

Re: Considering new Honda Pilot, other suggestions?

FYI I believe the 2019 model has Honda Sensing safety features standard. If you don't want it, get the 2018.
by Alexa9
Thu Oct 11, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Considering new Honda Pilot, other suggestions?
Replies: 35
Views: 1899

Re: Considering new Honda Pilot, other suggestions?

I might avoid the 9 speed transmission on Touring/Elite. The 6 Speed on the 2018 EX-L is good. "The transmission has been problematic, as customers of Jeep, Chrysler, and Acura models equipped with the transmission have experienced problems in their vehicles regarding slow shifting and noisy operati...
by Alexa9
Thu Oct 11, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 1764

Re: Buying a pre-owned Lexus IS-250

Maybe a Mazda 3 if you're looking for an affordable new small sporty reliable sedan. If luxury, Lexus is the way to go. Maybe a 3 Series if you know a good mechanic.
by Alexa9
Thu Oct 11, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 1764

Re: Buying a pre-owned Lexus IS-250

Brand new Accord Sport or used Acura TLX. I think your choice is good though.
by Alexa9
Thu Oct 11, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Feeling Guilt among family/peers
Replies: 42
Views: 5173

Re: Feeling Guilt among family/peers

Social media makes people compare themselves to others more to gauge their life and happiness. Most people are not on a constant Hawaiian beach/Colorado skiing vacation but Facebook makes it appear that way. If people are jealous of you, it's their insecurity unless you're putting it in their face a...
by Alexa9
Thu Oct 11, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 70
Views: 5897

Re: Black Friday is coming.. what's on your list?

I'd like to see OLED TV's come down in price. If not the big LED TV's are dropping too.
77" LG OLED $7K
86" LG LED $3.3k
by Alexa9
Wed Oct 10, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 39
Views: 1945

Re: Route-66 trip recommendations

Not a scenic route anymore. The Nat King Cole song is great though.
Any drive in the mountains out west would be preferable.
by Alexa9
Wed Oct 10, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 RBD?
Replies: 28
Views: 2070

Re: S&P 500 RBD?

KBD - Kinda bad day 2.5%
PBD - Pretty bad day 5%
RBD - Really bad day 10%
by Alexa9
Tue Oct 09, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Car Gurus ... Air Filter Recommendations
Replies: 22
Views: 1537

Re: Car Gurus ... Air Filter Recommendations

OEM is good and inexpensive. I found mine on Amazon, but some online auto parts stores may be lower.
by Alexa9
Tue Oct 09, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3429

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

AWD Snow Tire > FWD Snow Tire > AWD All Season > FWD All Season

Are you in the mountains? Then I'd go with a Subie/SUV/Pickup. Otherwise, Mazda is probably fine.
by Alexa9
Mon Oct 08, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3275

Re: Best headphones under 500 bucks

I would recommend Sennheiser and this is in your price range: https://www.amazon.com/Sennheiser-HD-660-Audiophile-Headphone/dp/B076HP574T/ref=sr_1_23?ie=UTF8&qid=1539052148&sr=8-23&keywords=sennheiser If are using them in a quiet environment. The HD 650 and HD 6XX are also considerably cheaper and g...
by Alexa9
Sun Oct 07, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds for an aggressive investor
Replies: 25
Views: 2445

Re: Bonds for an aggressive investor

100% stocks outperforms over most long term scenarios but is much more volatile. If you understand that and have an iron stomach, then proceed at your own risk. If you're the set it and forget it autopilot type, it will probably be fine. If you sweat and check your balance everyday, probably not.
by Alexa9
Sun Oct 07, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Disabled Section 8 Mortgage
Replies: 1
Views: 376

Re: Disabled Section 8 Mortgage

I talked to someone at Public Housing and you can indeed purchase a home. The government has special loans for disabled people with lower interest rates and little money down. You have to pay 30% of income and the Public Housing Voucher will pay the rest including repairs and other home costs. It se...
by Alexa9
Sat Oct 06, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Level of Auto Insurance to carry
Replies: 35
Views: 1822

Re: Level of Auto Insurance to carry

dm200 wrote:
Sat Oct 06, 2018 1:30 pm
Not my experience over lat 40 years. Saved a lot with high deductible collision and comprehensive.
Sure raise your deductible if you want, but I mean don't drop collision.
by Alexa9
Sat Oct 06, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Level of Auto Insurance to carry
Replies: 35
Views: 1822

Re: Level of Auto Insurance to carry

I would carry the full amount. If you get in an accident you'll regret it if you don't. I looked at dropping some coverage but you don't even save much. You also might drive more paranoid if you don't have full coverage.