Search found 1696 matches

by CULater
Sun Jan 20, 2019 11:38 am
Forum: Investing - Theory, News & General
Topic: Gold ETF "Guarantee"
Replies: 39
Views: 2365

Re: Gold ETF "Guarantee"

Investment managers such as Dalio (All Weather Fund), and George Soros own and trade very large gold positions as I understand it. In what form do they invest in gold? Seems unlikely they deal in physical gold but rather own shares of gold ETFs. I doubt that they are Armageddon investors - they hold...
by CULater
Mon Jan 07, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Drove back to Iowa to get the "fix" today. Iowa is one of the 2nd tier states getting it now. Couldn't get it done in Missouri at a dealer there, even though Honda customer service told me any dealer should be able to do it if you have an authorized VIN so I decided to take it back to Iowa and get i...
by CULater
Sat Jan 05, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: One of the worst places you can be -- in the hospital
Replies: 1
Views: 773

One of the worst places you can be -- in the hospital

Don't be too anxious to go to the hospital. It may be one of the worst places for your health. Having been in several in recent years with my elderly mother, I can attest to the truth of this. Does it have to be this way? Wonder if there are some docs on the forum who are willing to comment? In the ...
by CULater
Sat Jan 05, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: How old is too old to buy a house?
Replies: 50
Views: 4046

Re: How old is too old to buy a house?

My wife and I always dreamed of buying a house. Never could pull the trigger. I'm 62 and DW is 60. In about 4-5 years we would like to move out of NY to Florida ( 55+ community with HOA). I know it's very subjective but how old is too old to buy a house in YOUR mind? I would be approx. 67-68. I wan...
by CULater
Thu Jan 03, 2019 5:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10160
Views: 1788882

Re: U.S. stocks in free fall

I haven't invested. I just decided to take 20% of my money on the sidelines and throw it into the fireplace instead. Nice heat. :twisted:
by CULater
Wed Jan 02, 2019 7:14 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Trade it in already, please. Agreed. CULater, Is there a reason why you still have this car? If the reason is financial, I think losing money by trading in your almost new CR-V is worth it to save yourself from all the stress and aggravation you seem to be experiencing. As soon as I identify anothe...
by CULater
Wed Jan 02, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Thought I'd post while this is fresh in my mind. Just got off the phone with American Honda Customer Service at the number on the notification letter to call with questions about the "Product Update." I specifically asked if the Software Update and/or the A/C Controller replacement were offered by H...
by CULater
Wed Jan 02, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

The joke continues. Please, please do not buy one of these things unless you are a masochist. 1) Received second oil analysis report on sample sent after 3000 miles of driving and 50% oil life left on maintenance minder. Fuel dilution once again is >5% at severe level. Now something new is added: a ...
by CULater
Tue Jan 01, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

TSB 18-114 description of problem: Under certain circumstances, the vehicle may experience driveability concerns, which may result in DTC's P0300(Random Misfire Detected), P0301 (No. 1 Cylinder Misfire Detected), P0302 (No. 2 Cylinder Misfire Detected), P0303(No. 3 Cylinder Misfire Detected), P0304 ...
by CULater
Tue Jan 01, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Just received my letter from Honda to get the "fix." Will get both the software update and replacement of the A/C control unit. Guess I'll be finding out soon myself if it works. Not expecting it to but I might be surprised. Will go to the dealer tomorrow to set up an appointment.
by CULater
Tue Jan 01, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

But....within the advance limits the antiknock index of higher octane fuels will defeat some or all of the extra fuel load utilized by the knock sensor to reduce the preignition. Not sure what you're saying. My take is that the extra fuel that is being sprayed into the cylinders is primarily due to...
by CULater
Mon Dec 31, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

This goes to the issue of whether premium fuel makes any difference in the turbo CRV engine. Probably not: Why doesn't your turbo Honda CR-V require premium/high octane fuel? It’s simple Honda programmed the ECU to not run aggressive timing therefore you can use regular/lower octane fuel. Now what H...
by CULater
Mon Dec 31, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

The reason that knock would be related to oil dilution is that one of the methods that DI engines used to mitigate knock is the cooling effect of gasoline vaporization, another is spark timing. More fuel injected and a retarded spark could conceivably result in unburned fuel being swept into the cr...
by CULater
Mon Dec 31, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I ran the "premium fuel mitigates oil dilution" argument past an engineer at Oil Analyzers to see what he had to say, which was: That theory would only hold water if the engine was designed to know what fuel is being used or was designed for premium instead of regular. As far I as I am aware, Honda ...
by CULater
Mon Dec 31, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I can't figure out the use of premium fuel. Some people seem to think it helps, but for the life of me it doesn't make any sense that it would. I tried it and it did nothing. DGI engines are programmed to avoid premature ignition because it can cause serious damage to these engines. Extra fuel is sp...
by CULater
Mon Dec 31, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

^ I have a colleague who recently bought a CR-V even after I showed her this thread. They're trendy, and that's enough for some people. Personally, I recently bought a Hyundai. While it may develop similar engine troubles, at least it comes with a 10-year powertrain warranty. I'll get rid of it whe...
by CULater
Mon Dec 31, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I have a 2012 CRV, and to date, have not experienced the oil gas-dilution issue. DH is planning to buy a 2019 CRV, but this thread has raised concerns. I have read much of this thread and have not seen an answer to this question: ~How does environmental temperature impact the gas-dilution issue? Is...
by CULater
Sun Dec 30, 2018 7:29 pm
Forum: Investing - Theory, News & General
Topic: Spot gold down 15% (12/30 at 6 pm central)
Replies: 7
Views: 1055

Spot gold down 15% (12/30 at 6 pm central)

I just noticed that the spot price of gold is suddenly down by $190 or 15%. I've never seen a drop like this. Anyone know what's going on?
by CULater
Thu Dec 27, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10160
Views: 1788882

Re: U.S. stocks in free fall

Sometimes they do ring a bell.
by CULater
Thu Dec 27, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

New Youtube video on CRV oil dilution problem explaining the "fix". Note in the comments several posters saying they had it done and it didn't work.

https://www.youtube.com/watch?v=RKU1pFC-UwA
by CULater
Thu Dec 27, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10160
Views: 1788882

Re: U.S. stocks in free fall

Here are the 15 biggest up days on the S&P 500 since 1945 along with the drawdown they were in heading into that advance: https://awealthofcommonsense.com/wp-content/uploads/2018/12/Capture-18.png It’s pretty obvious the big up days tend to take place when markets are falling. https://awealthofcommo...
by CULater
Thu Dec 27, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10160
Views: 1788882

Re: U.S. stocks in free fall

minimalistmarc wrote:
Thu Dec 27, 2018 9:50 am
CULater wrote:
Thu Dec 27, 2018 9:29 am
Did you sell during yesterday's moonshot?
Always a buyer, never a seller. Accumulate , don’t speculate.
Giant Dead Cat bounce. Mr. Market's Boxing Day gift but you had to unwrap it.
by CULater
Thu Dec 27, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10160
Views: 1788882

Re: U.S. stocks in free fall

Did you sell during yesterday's moonshot?
by CULater
Wed Dec 26, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: Is there something weird in bond-land?
Replies: 14
Views: 1483

Is there something weird in bond-land?

The breakdown in the correlation between equities and rates has undercut the bond market’s status as a haven for fearful investors in a year in which few asset classes have eked out positive returns. What’s more, if traditional havens like U.S. government paper struggle to shield portfolios from a ...
by CULater
Wed Dec 26, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 248
Views: 21032

Re: Whose buying today? where's all the "dry powder" folks at? :)

I'm buying (gold and long treasuries). Working out OK, so far.
by CULater
Wed Dec 26, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

OldBallCoach wrote:
Wed Dec 26, 2018 7:43 am
I am getting the “fix” today. Even though the oil reeks of gas fresh oil is included but not a filter. Really Honda? I of course bought one and will leave the dealership and go car shopping, done. Honda used to care.
Please post your results. I hope it works for you.
by CULater
Tue Dec 25, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: Bears are -20%? Then here are three bears stacked on top of each other
Replies: 34
Views: 4495

Re: Bears are -20%? Then here are three bears stacked on top of each other

You know what they call a market that has lost 90%, don't you?

It's a market that fell 80% -- and then fell another 50%.
by CULater
Tue Dec 25, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10160
Views: 1788882

Re: U.S. stocks in free fall

long_gamma wrote:
Tue Dec 25, 2018 9:15 am
CULater wrote:
Tue Dec 25, 2018 9:06 am
DOW futures down 700. Could be an ugly Boxing Day.
What you are seeing is yesterday's close. Globex market is closed now. Opens at 6:00 PM EST
Ah, thanks. Now I feel better -- at least for awhile.
by CULater
Tue Dec 25, 2018 9:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10160
Views: 1788882

Re: U.S. stocks in free fall

DOW futures down 700. Could be an ugly Boxing Day.
by CULater
Mon Dec 24, 2018 5:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10160
Views: 1788882

Re: U.S. stocks in free fall

Just took a look at Stockcharts, and it appears that at today's close we've wiped out all the gains in the total U.S. market since the end of May, 2017 - about 19 months ago. And 2017 was a very good year. Well, that was fun, eh?
by CULater
Mon Dec 24, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10160
Views: 1788882

Re: U.S. stocks in free fall

John Hussman recently was predicting market losses in the neighborhood of 65%. Only about 45% more to go...
by CULater
Mon Dec 24, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10160
Views: 1788882

Re: U.S. stocks in free fall

No Wall Street analysts believe stocks will suffer next year, despite a fear addled market Widespread market jitters include Federal Reserve policy, a prolonged trade fight with China, and political polarization in Washington that's partly shut down the U.S. government. Ergo, Wall Street analysts b...
by CULater
Mon Dec 24, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10160
Views: 1788882

Re: U.S. stocks in free fall

Is this a simple correction or has something to do with trade war that's going on? Uncertainty, the market does not like uncertainty. We have an abundance of uncertainty. Something is wrong, market was priced for perfection with lots of bulls. That's been true for a long time. So why did it decide ...
by CULater
Mon Dec 24, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10160
Views: 1788882

Re: U.S. stocks in free fall

Worst Christmas Eve drop in history -- ever. Merry Christmas! (I'm giving everybody coal this year).
by CULater
Mon Dec 24, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: How to invest in TIPS if you don't need the money at a specific date?
Replies: 40
Views: 2067

Re: How to invest in TIPS if you don't need the money at a specific date?

Actually, what I'm thinking about is something like a real-rate 10-year CD without early withdrawal penalties. Not sure why I can't simulate that using duration-matching with a ST and LT TIPs fund. Start with an average 10-year duration and then re-balance every 3 months or so to the decreasing dur...
by CULater
Mon Dec 24, 2018 11:41 am
Forum: Investing - Theory, News & General
Topic: How to invest in TIPS if you don't need the money at a specific date?
Replies: 40
Views: 2067

Re: How to invest in TIPS if you don't need the money at a specific date?

Actually, what I'm thinking about is something like a real-rate 10-year CD without early withdrawal penalties. Not sure why I can't simulate that using duration-matching with a ST and LT TIPs fund. Start with an average 10-year duration and then re-balance every 3 months or so to the decreasing dura...
by CULater
Mon Dec 24, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: How to invest in TIPS if you don't need the money at a specific date?
Replies: 40
Views: 2067

Re: How to invest in TIPS if you don't need the money at a specific date?

My objective is to have a portion of my Roth invested in an inflation-protected "asset" that is immune to term risk, from which I can make ad hoc withdrawals as needed or desired for spending purposes. I-Bonds do this, but TIPS bonds or funds do not because both are subject to term risk (individual...
by CULater
Mon Dec 24, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: How to invest in TIPS if you don't need the money at a specific date?
Replies: 40
Views: 2067

Re: How to invest in TIPS if you don't need the money at a specific date?

My objective is to have a portion of my Roth invested in an inflation-protected "asset" that is immune to term risk, from which I can make ad hoc withdrawals as needed or desired for spending purposes. I-Bonds do this, but TIPS bonds or funds do not because both are subject to term risk (individual ...
by CULater
Mon Dec 24, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Matching a TIPS bond ladder with ST and LT TIPS bond funds
Replies: 102
Views: 6994

Re: Matching a TIPS bond ladder with ST and LT TIPS bond funds

Wouldn't it just be simpler to ladder the actual TIP bonds to mature every 5 years in retirement and place the proceeds in a short term Tip fund to spend until the next TIPs bond matures. I've laddered out a TIPs ladder with a 100k maturing every 5 years. This, combined with Social Security, provid...
by CULater
Sun Dec 23, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: How to invest in TIPS if you don't need the money at a specific date?
Replies: 40
Views: 2067

Re: How to invest in TIPS if you don't need the money at a specific date?

Here's a wrinkle I'm thinking of -- does it make any sense? I don't have any immediate plans to spend from my Roth account, but I'd like to dedicate a large portion of it to inflation-indexed assets that will hedge inflationary risk, but not be exposed to the risk of rising interest rates. As I said...
by CULater
Sun Dec 23, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: How to invest in TIPS if you don't need the money at a specific date?
Replies: 40
Views: 2067

Re: How to invest in TIPS if you don't need the money at a specific date?

I don't have any specific dates as targets, which makes it difficult to use individual securities and hold to maturity. Because of my age, I can put on about a 15-year timeframe when I'd probably be spending the funds. I thought about just doing a TIPS ladder out to then. But I've laddered before a...
by CULater
Sun Dec 23, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

smitcat wrote:
Sun Dec 23, 2018 2:48 pm
New Toyota engines...
https://newsroom.toyota.co.jp/en/powertrain2018/engine/
Uh, Oh. :oops: Back to the drawing board... Maybe Toyota actually has engineers who know how to make these things.
by CULater
Sun Dec 23, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Using minimum volatility and managed risk strategies to reduce sequence of return risk in retirement
Replies: 71
Views: 3930

Re: Using minimum volatility and managed risk strategies to reduce sequence of return risk in retirement

No, this isn't reasonable. The only way to compare the portfolio construction technique is to use the same assets in both. VWINX is an actively managed fund, and this period includes long periods during which it generated significant alpha relative to a VTSMX/VFITX benchamark. I see your point, so ...
by CULater
Sun Dec 23, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 119027

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

No problems here on a 12 year old direct-injected "hyped-up" turbo engine. Wow. If they could make them that far back and they work, I wonder where Honda was when they flamboozled together the 1.5T that is gasoline-lubricated? I wonder the same thing myself. I have friends with this same Honda engi...
by CULater
Sun Dec 23, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: Using minimum volatility and managed risk strategies to reduce sequence of return risk in retirement
Replies: 71
Views: 3930

Re: Using minimum volatility and managed risk strategies to reduce sequence of return risk in retirement

To continue my exploration of VT as applied to conservative "left tail" portfolio allocations, I thought I'd take a look at the "Larry" portfolio of 30% SCV with 70% Intermediate Treasuries. With Portfolio Visualizer, we have data for VISVX (Vanguard SC Value) from 1999, so I looked at the 1999-2008...
by CULater
Sun Dec 23, 2018 1:48 pm
Forum: Investing - Theory, News & General
Topic: Using minimum volatility and managed risk strategies to reduce sequence of return risk in retirement
Replies: 71
Views: 3930

Re: Using minimum volatility and managed risk strategies to reduce sequence of return risk in retirement

I was curious how much VT (volatility timing) would help a conservatively allocated retirement portfolio. With Portfolio Visualizer I used Wellesley Income Fund (VWINX) as the benchmark and set the volatility target for 6.0%, which was the volatility of VWINX from 1993-2018. I used VTSMX as the equi...
by CULater
Sun Dec 23, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Using minimum volatility and managed risk strategies to reduce sequence of return risk in retirement
Replies: 71
Views: 3930

Re: Using minimum volatility and managed risk strategies to reduce sequence of return risk in retirement

Research paper from Society of Actuaries suggests that targeted volatility may not be superior to a fixed-allocation strategy in managing risk, because of "jump risk"; the risk of a sudden unexpected movements in the market. The implementation of targeted volatility entails a lag between the time a ...
by CULater
Sun Dec 23, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7999

Re: TIPS yield curve inverted at short end

#Cruncher wrote a post related to this in another thread, which I've quoted here: https://www.bogleheads.org/forum/posting.php?mode=quote&f=10&p=4052231 I was looking at iShares STIP (0 TO 5 YEAR TIPS BOND) and I see this: SEC Yield: 5.64% … And what does this yield say about the market's view of in...