Search found 1550 matches

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: 608

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: 1571

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: 794

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: 4984

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: 950

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: 950

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: 1606

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: 322

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: 318

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: 4814

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: 1364

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: 347

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: 2199

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: 3288

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: 1827

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: 10084

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: 798

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: 1694

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: 39
Views: 2637

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: 4265

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: 4265

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: 1790

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: 51
Views: 2092

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: 2851

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: 1891

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: 1891

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: 1756

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: 1756

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: 5164

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: 5883

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: 38
Views: 1824

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: 2063

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: 1534

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: 3416

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: 3271

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: 2435

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: 373

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: 1804

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: 1804

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.
by Alexa9
Fri Oct 05, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 28
Views: 2349

Re: Best deals to buy iphones

Switch to Xfinity Wireless and port a number and get $200 off an iPhone. There are also some BOGO $700 off with the major carriers.
by Alexa9
Fri Oct 05, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: How to contact Amazon support?
Replies: 4
Views: 481

Re: How to contact Amazon support?

I can never find it on their site. I just google "Contact Amazon"
by Alexa9
Thu Oct 04, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: How should I rebalance investments
Replies: 5
Views: 516

Re: How should I rebalance investments

I would use the Fidelity Zero Fee Funds with Zero Expense Ratios. Broad US Index, International, and Bond.
by Alexa9
Thu Oct 04, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: How much interest do I owe if I don't pay credit card balance in full?
Replies: 18
Views: 2054

Re: How much interest do I owe if I don't pay credit card balance in full?

$1,000 * APR .20 / 12 months = 16.67 per month roughly if my math is correct depending on how they calculate it.

That's not much to worry about if you pay it off quickly. Or get a 0% interest or balance transfer card if you're in dire straits.
by Alexa9
Wed Oct 03, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11753

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

That's what a home inspector is for. I think you have a strong case if they want to go to court.
by Alexa9
Wed Oct 03, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Disabled Section 8 Mortgage
Replies: 1
Views: 373

Disabled Section 8 Mortgage

I've looked up the process for getting mortgage assistance for someone with a disability on SSI. Rather than wasting money on rent in a less than savory apartment complex, they can build equity in a small home and leave something for their estate some day. It seems that only some areas do this vouch...
by Alexa9
Tue Oct 02, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Need Good Ankle Brace for Golfing - Recommendations Please!
Replies: 10
Views: 540

Re: Need Good Ankle Brace for Golfing - Recommendations Please!

I'd call it a season and do some strengthening exercises for next year.
by Alexa9
Tue Oct 02, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: My bank and absurd policy for "no fee"
Replies: 51
Views: 4204

Re: My bank and absurd policy for "no fee"

+1 for credit union for cash deposits + Ally/Discover/Cap One Online Bank
Free is not free if you have to jump through hoops.
by Alexa9
Tue Oct 02, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Adult kids getting help from parents
Replies: 36
Views: 2209

Re: Adult kids getting help from parents

Paid for undergrad. More than I deserved! :mrgreen:
by Alexa9
Tue Oct 02, 2018 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Need personal investment and estate planning help
Replies: 13
Views: 1003

Re: What to do now

I would fund an IRA for your spouse and you. Roll over your 401k to Vanguard/Fidelity/Schwab and use the three fund portfolio. You may consider a backdoor Roth IRA. I'm not exactly sure if it's applicable here or the best thing to do but Roth has many advantages. https://www.bogleheads.org/wiki/Back...
by Alexa9
Mon Oct 01, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: New Apartment, city noise
Replies: 43
Views: 3262

Re: New Apartment, city noise

I suggest Spotify and some nice speakers or headphones to drown out the noise. Maybe a fan at night.