Search found 1220 matches

by CULater
Mon Aug 20, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: What has been the best returning major asset class since 2000?
Replies: 10
Views: 857

Re: What has been the best returning major asset class since 2000?

Gold did really well over that time period as well but you won't find many suggesting you invest in it. That's true. Actually returned more than stocks or LTT. Bit of a wild ride though. All the gains were from 2002 to 2012 and it's been dropping ever since. 60% more volatile than LTT with a max dr...
by CULater
Mon Aug 20, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 354
Views: 57243

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

To add insult to injury, the maintenance minder says that my CRV needs a rear differential fluid change with 13,000 on the OD which bills at about $180 or so. What!!!! I think I'll just pour a little gas into the diffy. Should be cheaper and Honda thinks fuel dilution is OK.
by CULater
Mon Aug 20, 2018 7:49 pm
Forum: Investing - Theory, News & General
Topic: What has been the best returning major asset class since 2000?
Replies: 10
Views: 857

Re: What has been the best returning major asset class since 2000?

Long-term treasuries have been a heck of a diversifier for TSM for quite some time. For the most part they have stepped in exactly when you would have needed them to, with few exceptions over the past 30 years. Whether this will continue to be the case obviously remains to be seen. My theory is tha...
by CULater
Mon Aug 20, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 354
Views: 57243

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

I'm also looking into getting an extended warranty from GEICO (mechanical breakdown insurance). Still eligible as long as purchase date is within 15 months and 10k miles. I purchased my CRV in November 2017 and also got the HondaCare warranty, below are $$ when I purchased my CRV, went with $0 dedu...
by CULater
Mon Aug 20, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: What has been the best returning major asset class since 2000?
Replies: 10
Views: 857

What has been the best returning major asset class since 2000?

Just thought this was interesting. It turns out that if you had to pick one major asset to be 100% invested in over this century so far the one to beat was (drumroll please...) Long Term U.S. Treasury bonds. Beat 100% in TSM by nearly 1% a year, with 2/3 of the volatility and max drawdown of 17% vs....
by CULater
Mon Aug 20, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: Treasury Bonds are the Only Bonds You Need
Replies: 151
Views: 14093

Re: Treasury Bonds are the Only Bonds You Need

For those contemplating international government bonds, take a look at the price chart for IGOV on stockcharts. This thing looks quite volatile compared to Vanguard's international bond fund (not a government bond fund). Best I can figure, it might be due to fact that Vanguard hedges it's bond fund ...
by CULater
Mon Aug 20, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 354
Views: 57243

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

I'm assuming most of us with an affected CRV have 1 to 2 years left on warranty. I have 2 years left and not close to 36k miles. Why rush to make a decision? I am annoyed as much as anyone else, but if you are assuming the problems will only manifest after the warranty is over, then drive the vehic...
by CULater
Mon Aug 20, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 354
Views: 57243

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

I hate to be this guy, but I'm thinking of selling my 17 CRV myself instead of getting hosed on a trade-in. Maybe I can rationalize it by thinking that if somebody doesn't know about this problem by now, they deserve it. Or maybe they'll be the typical owner and never notice it until the engine disi...
by CULater
Sun Aug 19, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 354
Views: 57243

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

Here's a news item I noticed: First, a little background: As was written above, Chinese government previously stopped sale of CR-Vs. Honda proposed a recall for units already sold with a proposed fix of oil change, update the gasoline injection control software and extend the warranty. I think ther...
by CULater
Sat Aug 18, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Question on taxation on sale of unbuilt coop apartment share
Replies: 1
Views: 125

Question on taxation on sale of unbuilt coop apartment share

Haven't been able to find the answer to this one. I paid for an apartment (actually a "share") in a new coop apartment building that is just beginning construction. Shortly afterwards, I decided to sell my apartment (coop share) and was charged a fee of $500 by the coop developer. Obviously, I never...
by CULater
Sat Aug 18, 2018 8:40 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 613
Views: 36164

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Bear in mind that what we care about is investment returns in the future, not past returns. Since we don't know what those will be for various assets, the best way to manage the risk of being overweight in the worst assets is to diversify reasonably across assets. That strategy might not produce the...
by CULater
Sat Aug 18, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Real estate dropping like a rock in U.K. - can the U.S. be far behind?
Replies: 37
Views: 4819

Real estate dropping like a rock in U.K. - can the U.S. be far behind?

Seems like real estate prices and bidding wars in the U.S. have been as crazy as in England. Now with rising interest rates, the party seems to be over in the U.K. Is this likely to be a global phenomenon? Bad time to be buying? http://www.thisismoney.co.uk/news/article-6064685/Fears-grow-house-pric...
by CULater
Thu Aug 16, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: Here's what has happened to value since FF 3-factor
Replies: 6
Views: 782

Here's what has happened to value since FF 3-factor

Interesting illustration of what has happened to the value premium since Fama French identified it. Strategies that worked before they were discovered or were investible are likely not to work very well after they become known and are investible. When the bozos know about it and Bozo Investments has...
by CULater
Thu Aug 16, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: Importance of sequence of real returns for SWR, CAPE valuation, and Luck
Replies: 95
Views: 3720

Re: Importance of sequence of real returns for SWR, CAPE valuation, and Luck

I don't see that there is any logic in saying that CAPE is broken and then optimistically assuming that equity returns can continue to be just as generous has they've been historically in the U.S. It's just as logical to say that if CAPE is broken, stock returns could turn out to be pathetic in the ...
by CULater
Thu Aug 16, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 354
Views: 57243

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

This whole fiasco is a perfect example of the cost and risk to consumers associated with such high fuel economy standards. Miniature turbo charged engines running 10+ atmospheres of compression on 0 weight oil with direct injection and regular grade fuel? It is all to hit that CAFE number. Good gri...
by CULater
Wed Aug 15, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 354
Views: 57243

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

As much as I've examined the engine on my CRV, I haven't really lifted the hood with the engine idling until today when I saw the youtube video. So I can't say for sure that it hasn't always sounded diesel-like. You just don't think of this stuff with a new vehicle. My google research shows that dir...
by CULater
Wed Aug 15, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 354
Views: 57243

Why you may not want a direct fuel injection engine in your next vehicle

[Thread merged into here, see below. --admin LadyGeek] The more I research these issues, the more I learn. Latest discovery is this video describing the pros and cons of direct fuel injection. Biggest problem is carbon buildup on valves and the likely problems that will cause after about 50 - 60K m...
by CULater
Wed Aug 15, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 354
Views: 57243

My 2017 CRV 1.5L engine sounds like a diesel - normal?

[Thread merged into here, see below. --admin LadyGeek] I found this video on Youtube, and checked my 2017 CRV with the 1.5L engine. It pretty much sounds like the youtube video and has the oil dilution problem. Would like to hear from other owners of vehicles with this engine: is this how your engi...
by CULater
Wed Aug 15, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 354
Views: 57243

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

I was googling around on the oil dilution problem and came across this Youtube piece. I suddenly realized that I have been noticing that my engine sounded a bit rough lately. I just went out and lifted the hood with the engine running and it sounds pretty much like the youtube piece here, maybe not ...
by CULater
Wed Aug 15, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 354
Views: 57243

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

For those following this thread, I thought I'd post the latest observations on my 2017 CRV Touring. As some know, I'm waiting to get a look at the new 2019 RAV4 which is due out soon to dump the CRV. Since the last oil change done by the dealer when I first noticed the oil dilution issue, I've put o...
by CULater
Tue Aug 14, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: Importance of sequence of real returns for SWR, CAPE valuation, and Luck
Replies: 95
Views: 3720

Re: Importance of sequence of real returns for SWR, CAPE valuation, and Luck

Perhaps CAPE is no longer a useful measure of valuations and expected 10-year returns from stocks. This time is different. The backtesting data are not relevant. Maybe that's the case. But why does it make sense to believe that the 4% rule is still carved in stone? This time is the same. The backtes...
by CULater
Mon Aug 13, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Importance of sequence of real returns for SWR, CAPE valuation, and Luck
Replies: 95
Views: 3720

Re: Importance of sequence of real returns for SWR, CAPE valuation, and Luck

One thing I would NOT do if I were starting retirement is to employ some form of age-based allocation; e.g., "age in bonds." The problem with this strategy is that it exacerbates the impact of a poor sequence of returns. It does so, because the largest equity allocation is during the early part of r...
by CULater
Sun Aug 12, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 354
Views: 57243

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

I bought a new CRV EXL in Nov 2017. Got it about 125 miles from home to dodge the worthless dealer option scam and the next morning just had to check it out. Found the oil level way over full. I’m a retired vehicle technician, 12 years in a dealership and 26 at FedEx. Dropped the panel and drained ...
by CULater
Sun Aug 12, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: John Oliver- All you have to know about planning for retirement
Replies: 8
Views: 4027

Re: John Oliver- All you have to know about planning for retirement

That was great! Would like to send it to all my idiot friends but -- you know -- most of them are more comfortable being financial idiots and they'd probably be insulted. Carry On!
by CULater
Sun Aug 12, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: Importance of sequence of real returns for SWR, CAPE valuation, and Luck
Replies: 95
Views: 3720

Importance of sequence of real returns for SWR, CAPE valuation, and Luck

Study by Michael Kitces that illustrates the importance of real portfolio returns during the first decade of retirement for portfolio survival, and the relationship of valuation measures such as CAPE. Bottom line: this is not a great time to retire and begin portfolio drawdown unless real drawdowns ...
by CULater
Wed Aug 08, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can IRA / 403(b) retirement accounts be used to qualify for a mortgage?
Replies: 2
Views: 204

Can IRA / 403(b) retirement accounts be used to qualify for a mortgage?

I'm retired and currently receiving RMDs from both my IRA and 403(b) accounts. I'm thinking about purchasing a condo with a mortgage, but ran across this: Freddie Mac recently introduced a rule to allow retirement assets to be used to qualify for a mortgage loan. "Lenders can look at your IRA and 40...
by CULater
Wed Aug 08, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 32
Views: 2136

Re: Has anyone taken out an online mortgage?

Quicken did seem a little high-pressure to me too. Didn't care for the attitude that I had to complete the application process to get a quote and fees. Not gonnadoit.
by CULater
Wed Aug 08, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: DJIA Bubble Chart
Replies: 9
Views: 1091

Re: DJIA Bubble Chart

Here we go with the SPEE. Other charts also presented in linked article. https://ei.marketwatch.com/Multimedia/2018/08/08/Photos/NS/MW-GO007_Leutho_20180808145701_NS.jpg?uuid=d5a8264e-9b3c-11e8-abbd-ac162d7bc1f7 “Recall that the initial visit to present levels was followed by the S&P 500’s first-eve...
by CULater
Wed Aug 08, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 32
Views: 2136

Re: Has anyone taken out an online mortgage?

Yes, LenderFi, easy, quick, and good rates. Checked this and they seem to have a $100K minimum loan amount, which is more than I'll need. Odd. I honestly would shop for 100k because that is a typical cutoff for the best rates. Some banks will issue a mortgage for less, but the might charge you a hi...
by CULater
Wed Aug 08, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 32
Views: 2136

Re: Has anyone taken out an online mortgage?

I've used aimloan.com and amerisave.com, both with good results. Due to slower response time I would ONLY use an online bank for a refi, never a new purchase. You can always refi to something better right after the deal closes. I'm a newbi on this stuff. Guess you're saying to just get a mortgage w...
by CULater
Wed Aug 08, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 32
Views: 2136

Re: Has anyone taken out an online mortgage?

So far, Penfed has been the most transparent regarding fees -- right on their website. Quicken wants me to go through the process of credit check, financial records, etc. before they'll say anything so I will probably eliminate them for that reason. Most lenders seem cagey about fees and want you to...
by CULater
Wed Aug 08, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 32
Views: 2136

Re: Has anyone taken out an online mortgage?

cdu7 wrote:
Wed Aug 08, 2018 7:09 am
Yes, LenderFi, easy, quick, and good rates.
Checked this and they seem to have a $100K minimum loan amount, which is more than I'll need. Odd.
by CULater
Tue Aug 07, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 32
Views: 2136

Re: Has anyone taken out an online mortgage?

I quoted with multiple online lenders before settling with pitting Bank of America against one of them to get the best rate (BoA won). Make sure you make a list and compare various fees they are charging you. They make it sound like "we are giving you the best rate and deal". However, when I made a...
by CULater
Tue Aug 07, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 32
Views: 2136

Has anyone taken out an online mortgage?

Looking for a mortgage and wondering about online mortgages; e.g., Quicken, Penfed. Has anyone done a mortgage with one of these and can report their experience? I'm buying a condo in Arizona but am not residing there currently. What is the best way to compare rates and closing costs between online ...
by CULater
Tue Aug 07, 2018 5:56 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12878

Re: "Age in Bonds" fails almost everyone

Is there something sacrosanct about "bonds"? I think the idea of AIB is to progressively dial down the portion of your wealth that is allocated to risky assets such as stocks and hold the rest in relatively "safe" assets which provide some stability of principal and/or income. Could be cash, savings...
by CULater
Tue Aug 07, 2018 4:58 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12878

Re: "Age in Bonds" fails almost everyone

It seems to me that the "age in bonds" thing is really aimed at folks getting a little longer in the tooth, who are running out of their human capital. At least that seems to be the tone of the thing. Not sure anybody thinks it's a particularly good idea in the first half of the game, so I think tha...
by CULater
Tue Aug 07, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 6869

Re: Best way to lose $200 in taxable income?

:) :) :) It turns out to be harder than I thought to lose money :) :) :) At least to lose a precise sum of money.
by CULater
Tue Aug 07, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12878

Re: "Age in Bonds" fails almost everyone

The irony of this thread is that Bogle has been critical of target date funds because they have too much in bonds : Critics of target funds have received some powerful support from John Bogle, founder of Vanguard Group, who expressed his reservations during a talk at the Morningstar conference in Ch...
by CULater
Tue Aug 07, 2018 8:14 am
Forum: Investing - Theory, News & General
Topic: Vanguard: Foreign bond holdings should be currency hedged
Replies: 1
Views: 519

Vanguard: Foreign bond holdings should be currency hedged

Vanguard research paper discussing the benefits of global diversification of bond holdings. An important factor discussed is currency hedging of foreign bond holdings: hedging currency is critical to maintaining the risk-and-return properties of global bonds while allowing them to play the tradition...
by CULater
Tue Aug 07, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards. Get yours?
Replies: 25
Views: 2344

Re: New SS cards. Get yours?

GerryL wrote:
Tue Aug 07, 2018 1:29 am
My new Medicare card came early in the second round. But I had already gone out to the Medicare site and printed off a copy of the new card, an idea I got from someone on this forum.
I tried this, and nothing to be found.
by CULater
Tue Aug 07, 2018 7:07 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12878

Re: "Age in Bonds" fails almost everyone

My preferred allocation to stocks in retirement is 0.00%. There are only two reasons to have a higher allocation: (1) you really don't have enough safe income in retirement, so you must gamble, or (2) you really do have more than enough safe income in retirement, so you can afford to gamble with any...
by CULater
Mon Aug 06, 2018 10:31 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12878

Re: "Age in Bonds" fails almost everyone

I've never agreed that it's a good idea to start retirement with your highest stock allocation and then systematically reduce that allocation with age. Mainly because this has the unfortunate effect of maximizing equity sequence of return risk; i.e., the risk that stocks will take a big hit at the b...
by CULater
Mon Aug 06, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery
Replies: 43
Views: 3045

Re: USPS Informed Delivery

USPS uses data from the credit bureaus to verify your identity, so make sure your data is correct at the credit bureaus before you sign up for USPS Informed Delivery. It's really that simple. So, here's the thing. I have my credit frozen but the questions that came up for Informed Delivery verifica...
by CULater
Sun Aug 05, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 6869

Re: Best way to lose $200 in taxable income?

Ironic that there have been so many creative posts about how to lose money. I thought all we cared about was making money. :P
by CULater
Sun Aug 05, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 6869

Re: Best way to lose $200 in taxable income?

I like the options idea. Just buy $200 in options and let them expire worthless unless I incur a gain of $400. But what can I buy for $200? Don't know much about options trading. I might want to wait until closer to end of year in order to get the amount exactly right but that would almost surely in...
by CULater
Sun Aug 05, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 6869

Re: Best way to lose $200 in taxable income?

Can I reverse any distributions from IRA or 403? You probably can't un-do any RMDs you took (that were required). But if you took out extra, I think you can "replace it" within 60 days, in the same IRA or another one. In other words, make it a rollover, which would not be taxable. May not work if t...
by CULater
Sun Aug 05, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 6869

Re: Best way to lose $200 in taxable income?

Looks like I need to figure out a way to reduce my income for 2018 so that I'm not kicked into a higher Medicare Premium rate. Looks like I'd have to pay an additional $600 or so in premiums, and if I can lose about $200 I'll be back under the threshold......... How can you be predicting the number...
by CULater
Sun Aug 05, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 6869

Re: Best way to lose $200 in taxable income?

Can I reverse any distributions from IRA or 403?
by CULater
Sun Aug 05, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 6869

Re: Best way to lose $200 in taxable income?

Lose $200 in investments. Then tax loss harvest. I think it might be easier to find ways to lose money than to make money. downside: you'll be out $200. But, you don't care about that right? What's a sure way to lose money? The only sure way I've found is to try to make money. I'm afraid if I try t...
by CULater
Sun Aug 05, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 6869

Best way to lose $200 in taxable income?

Looks like I need to figure out a way to reduce my income for 2018 so that I'm not kicked into a higher Medicare Premium rate. Looks like I'd have to pay an additional $600 or so in premiums, and if I can lose about $200 I'll be back under the threshold, for a net savings of $400. What are some quic...