Search found 1095 matches

by onourway
Fri Jun 22, 2018 9:57 am
Forum: Investing - Help with Personal Investments
Topic: I want to cash in VTSAX
Replies: 17
Views: 348

Re: I want to cash in VTSAX

If you need the cash to pay for an expense today or in the near future, then sell. If you are only looking to sell today because you think you'll be able to buy back at a later date for a lower price, I suggest you review the Boglehead basics in the wiki and the associated reading list. It's possibl...
by onourway
Fri Jun 22, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Boglehead guilt with buying a car - Volvo vs Toyota Highlander
Replies: 45
Views: 1834

Re: Boglehead guilt with buying a car - Volvo vs Toyota Highlander

I believe their point is that Volvo is no longer the niche Swedish luxury car player it used to be, and that most people still commonly associate with the name/brand. Just as the American offerings are no longer the ugly, unreliable products of the early '80s that many here somehow still seem to as...
by onourway
Fri Jun 22, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: Boglehead guilt with buying a car - Volvo vs Toyota Highlander
Replies: 45
Views: 1834

Re: Boglehead guilt with buying a car - Volvo vs Toyota Highlander

here are some of the priorities - 1. 3 row SUV is key. Ideally 7-8 seater. So just wanted to chime in on this specific issue. I test drove the Toyota Highlander a few years ago. IMHO THe 3rd row is ridiculous- basically no room. You couldn't fit a malnourished ferret in there. As far as i can tell ...
by onourway
Fri Jun 22, 2018 5:50 am
Forum: Personal Consumer Issues
Topic: Boglehead guilt with buying a car - Volvo vs Toyota Highlander
Replies: 45
Views: 1834

Re: Boglehead guilt with buying a car - Volvo vs Toyota Highlander

I think you should get the vehicle you like. $20k spread over 10 years is not enough to obsess over. In my opinion the Volvo is more than enough nicer than the Toyota to make it worth the cost. I would (do, in fact) drive a couple of year older Volvo over a brand new Toyota. My only concern would be...
by onourway
Thu Jun 21, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Hands-free solutions
Replies: 15
Views: 512

Re: Hands-free solutions

If your iPhone is a newer model I'd actually say you don't need to buy anything other than a good mount that holds the phone securely on the windshield or on the dash in your line of sight. Turn Siri back on. If it's a new enough model, it is always listening for the Hey Siri command even when it ap...
by onourway
Wed Jun 20, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 1992

Re: 1st Car Mechanic service experience

Fair enough. But it does mean taking an hour or two of my time - at a time convenient to the mechanic - vs 30 min at a time convenient to me. I just don't get it. There's nothing wrong with saying 'I don't like to change oil'. But trying to portray DIY oil changes as a big hassle doesn't ring true ...
by onourway
Wed Jun 20, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 1992

Re: 1st Car Mechanic service experience

Do you apply this same rationale when deciding whether to cook at home or eat out? - Trip to the grocery to buy everything. Need plates, silverware, pots, pans, stove, microwave, refrigerator to complete the task. - Time to do the cooking. - Trip to the trash can to get rid of waste. May spill tras...
by onourway
Wed Jun 20, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 29227

Re: Why pay cash for a car?

I went through this earlier this year. Crunched all the numbers. Taking the loan would have worked out slightly better financially and I almost went through with taking it, but in the end just decided to pay cash. Having the title in my name and no monthly payment to deal with for years was just not...
by onourway
Wed Jun 20, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: I don't trust my own estimate of expenses
Replies: 28
Views: 2010

Re: I don't trust my own estimate of expenses

This is one of those things that feels harder than it is in practice. Gather all credit card/checking statements from the past 3-6 months. Go through them line by line and enter every transaction into a spreadsheet and categorize that transaction. Realistically, once you get going this will take you...
by onourway
Wed Jun 20, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 1992

Re: 1st Car Mechanic service experience

$85? Ugh. You could do the oil change for $25 and buy a new air filter for less than $10. Oh geez. I do this kind of stuff myself but can realize that many people don't have the space or inclination to do so. To add to your $25: - Trip to the store to buy everything. Need ramps, oil filter wrench, ...
by onourway
Wed Jun 20, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: iPad/iOS - feature or bug?
Replies: 13
Views: 798

Re: iPad/iOS - feature or bug?

I can confirm this does not occur with my previous generation iPad Pro on the sites you mention. If you have a lot of other programs recently opened, web browsers in iOS do not handle running out of memory well since there is no 'page file' to expand to. If the device is low on memory, every page yo...
by onourway
Tue Jun 19, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 121
Views: 6374

Re: gray hair

I found my first grey hairs when I was barely out of high school. By my mid-30's I was 90% grey. I have never given it a second thought other than to laugh about it now and then.
by onourway
Tue Jun 19, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Messy Divorce -- Forensic Accounting Help....
Replies: 120
Views: 9703

Re: Messy Divorce -- Forensic Accounting Help....

From your description it sounds like she is not financially sophisticated which leads me to think chasing after hidden accounts or assets is a waste of time. Given her spending habits, history of debt, constant bail outs, etc. 99.9% likely that the money was simply spent.
by onourway
Tue Jun 19, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 47
Views: 7403

Re: New Capitol One 360 ACH limits

How can I tell if I have the older main screen or the newer one? When I log in, I see my name and a photo in the upper right corner with the Capital One logo in the left corner. Under that is "Good Morning" centered. Under that, there are 2 rows each with 2 blue rectangles: Capital One Checking (et...
by onourway
Tue Jun 19, 2018 7:59 am
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 47
Views: 7403

Re: New Capital One 360 ACH limits

Yeah, that was a terribly worded email. Just vague enough to confuse pretty much everyone and for those of us who aren't feeling great about Capital One these days anyhow, open-ended enough for us to assume it means they are leaving themselves open to doing pretty much whatever they feel like.
by onourway
Mon Jun 18, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 47
Views: 7403

Re: New Capitol One 360 ACH limits

Agreed that they are becoming less and less competitive. I wouldn't keep my account at all except that my wife also has her account there and is extremely reluctant to make any changes to any of her financial accounts, and their interface is how we tend to pass money back and forth to one another. W...
by onourway
Mon Jun 18, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Best stroller+infant seat for gravel roads?
Replies: 18
Views: 997

Re: Best stroller+infant seat for gravel roads?

'Best?' If that's really the criteria then the Thule Chariot lineup is hands-down the best active stroller on the market. Thule seems to be marketing these now first as bike trailers, but they were originally, under the Chariot name, sold as running strollers first, and adaptable via separate kits t...
by onourway
Fri Jun 15, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11466

Re: MD&P just purchased X / sold Y [md&pharmacist]

TY!!!!!!!!!!!!!! I think you're right, nor can I convince people who are so entrenched that picking top funds and re-balancing to stay in top sectors is not that difficult with the power of the internet. I found that a logical plan for corrections, recessions and bear markets can take away one's fe...
by onourway
Fri Jun 15, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2692
Views: 520021

Re: What's Your Credit Card Rewards Strategy?

Your Walgreens doesn't have gift cards? Some 7-11 stores also code as gas stations, so you can grab gift cards from there, that's what I did during last year's gas station quarter. I don't churn to the point of buying gift cards unless I have a specific, targeted purchase in mind. Just one level mo...
by onourway
Fri Jun 15, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 13277

Re: Oh my! Cardone says we need $10m net worth

What exactly about his advice is wrong? Indeed, this article could be described as fairly bogleheadish even though he advocates a much less traditional investment strategy. He doesn't say anyone NEEDS $10 million, he says thereabouts is the threshold that most people can live a life of financial in...
by onourway
Fri Jun 15, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

Hence the "" around feature. Like a joke, a bit of truth and a lot of salesmanship. In any case, I doubt corporate policy would change based on the screen and thus if the company required that employees use privacy screens in public places, they'd probably force it on those those low quality screen...
by onourway
Fri Jun 15, 2018 2:48 pm
Forum: Investing - Theory, News & General
Topic: Am I "market timing"?
Replies: 37
Views: 1862

Re: Am I "market timing"?

As of 3:47 PM EST VTI is down 0.15%. That's essentially flat, and not at all what I'd call a sale. I wouldn't bother. The market could be higher or lower when you make your contribution. Over the long run making it automatically on a fixed date will get you some winners and some losers and probably ...
by onourway
Fri Jun 15, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

For work computers, this is actually a security/privacy "feature", or else you have to add the privacy screen to put over the screen. I suppose a good sales person could try to sell it as a feature, but this is clearly just a sub-par screen. Worst of all hers is bad in the vertical orientation so y...
by onourway
Fri Jun 15, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: Flaw in Logic? CD ladder instead of bond funds
Replies: 63
Views: 4492

Re: Flaw in Logic? CD ladder instead of bond funds

Onourway, could you recommend a way to compare past return rates of a (for instance) BND to a CD ladder? I know past returns aren't an indicator of future returns but I'd like to compare them anyway for an additional data point. I don't know of a way to compare historical returns other than picking...
by onourway
Fri Jun 15, 2018 2:11 pm
Forum: Investing - Theory, News & General
Topic: Flaw in Logic? CD ladder instead of bond funds
Replies: 63
Views: 4492

Re: Flaw in Logic? CD ladder instead of bond funds

The main flaws are that CD's make it difficult to re-balance your portfolio, maintaining a CD ladder requires constant attention if you want to remain in cd's with competitive rates, and over the long run, CD's should generally return less that a good bond fund of moderate duration. In my opinion ei...
by onourway
Fri Jun 15, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

Apple computers are no longer well made. Look at all the keyboard issues and only USB-C. Several major security flaws recently too. I'm afraid they have an accountant running things now rather than an innovator and it shows. There's nothing special about MacOS or the hardware anymore. They're almos...
by onourway
Fri Jun 15, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

No one's saying that everyone needs a 3200x1800 touchscreen like is on my 13" work laptop. Or even a non-touch 2560x1600 like in the current MacBook Pro. But there's no excuse for a 1440x900 screen in this day and age, especially when it's an ancient panel design that has poor visual quality and te...
by onourway
Fri Jun 15, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

... 4 year old technology with no price drop is for suckers, but many Apple customers are clueless and just want to be hip. Apple used to update practically everything annually. Now it's the same old crap for the same price and quality control has gone downhill on their newer stuff. Obviously, I'm ...
by onourway
Fri Jun 15, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

Embarrassing that Apple still even sells that model as a current model and even more embarrassing that people still buy it. Same with their Mac Mini/Pro. While the problems with the Mac Pro lineup are real, the Macbook Air is simply how Apple does business. They don't sell many 'low-end' products -...
by onourway
Fri Jun 15, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2692
Views: 520021

Re: What's Your Credit Card Rewards Strategy?

Chase Freedom 5% categories for Q3 can be activated starting today. It is Gas, Lyft, and Walgreens. Unfortunately these are of no use for me. I already get 5% on gas from my Amex Blue Cash, and even better, right now I'm getting 10% back at Exxon/Mobil stations through another Amex promotion (throug...
by onourway
Fri Jun 15, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

Not showing that price for me anymore.

At $699 this was a good deal though so I hope you enjoy it. The Air is not cutting edge in any way but it is a reliable workhorse of a machine. My wife is still using her 2011 model - the only laptop she's ever owned more than 2-3 years without a major issue.
by onourway
Thu Jun 14, 2018 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11466

Re: MD&P just purchased X / sold Y [md&pharmacist]

I agree that this would be a very interesting thread if you are willing to follow through with the kind of detail it takes to make it verifiable. The only way for that to happen is to get some ground-rules and stop with the complaints about the thread and bashing the OP. Let's have some actual disc...
by onourway
Thu Jun 14, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11466

Re: MD&P just purchased X / sold Y [md&pharmacist]

I agree that this would be a very interesting thread if you are willing to follow through with the kind of detail it takes to make it verifiable. It'd be a great learning experience for you and the entire board - no matter what the outcome.
by onourway
Thu Jun 14, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11466

Re: MD&P just purchased X / sold Y [md&pharmacist]

There is nothing to 'get'. You keep making outrageous claims yet are unwilling to provide the data to back up those claims. It's clear that you probably don't even know how to calculate your actual returns to this point. If you want to learn something - together - there are plenty of exceptionally g...
by onourway
Thu Jun 14, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11466

Re: MD&P just purchased X / sold Y [md&pharmacist]

Everything posted in this thread is meaningless until you divulge your exact cash position. You've been called out on this before, and you keep ignoring the issue in this thread. IMO this thread should be closed unless the entire data set required to calculate your actual returns is posted in full.
by onourway
Fri Jun 08, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 10043

Re: Why do we work?

I concur. I work in order to have enough to have a nice enough home for our family in a nice part of town that is safe and convenient and quiet. I want to have enough that we can take care of the house without resorting to borrowing, or stressing about money, enough to have new enough vehicles to ke...
by onourway
Fri Jun 08, 2018 1:23 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7391

Re: VMMXX (Vanguard Prime MM) risks

I keep most of my short-term savings in VMMXX. I don't have to chase rates and it's safe enough. It's not so much money that we would be overly harmed if things got locked up temporarily (which is an extremely unlikely event). Even for the rare fund that has broken the buck, investors eventually got...
by onourway
Fri Jun 08, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: How do you set up automatic investment in to VG ETFs?
Replies: 7
Views: 640

Re: How do you set up automatic investment in to VG ETFs?

You don't need to open another account to own mutual funds - you can own both side-by-side at Vanguard. So keep your existing ETF's. Make automatic purchases of the mutual fund. I primarily own mutual funds at Vanguard (because their tax-efficiency is the same as the ETF) and invest monthly automati...
by onourway
Fri Jun 08, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3357

Re: Found an FSBO home for sale. How to avoid Realtor?

That's probably true but I thought we were talking about the buyer coming up with a price for the FSBO. I've looked at a lot of Zillow listings and there are just too many errors. Here's an example - Zillow thinks the house I live in sold for $40K in 2004. The problem is I built the house in the 19...
by onourway
Fri Jun 08, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3357

Re: Found an FSBO home for sale. How to avoid Realtor?

I take it you haven't done many appraisals if you think Zillow is a good source of data other than for sale price. Which is exactly what you'd use it for in this case... Pricing a home is not that difficult a proposition if you've lived in the home a bit and paid even a bit of attention to the loca...
by onourway
Thu Jun 07, 2018 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick my vanguard investment
Replies: 39
Views: 1729

Re: Help me pick my vanguard investment

But even if you were eyeing replicating total stock market, couldn't you weigh more towards small and mid in that model? I mean it still is total stock market coverage your just buying a little more small and mid stocks to up the risk? What does 'risk' mean to you? It sounds to me like you only see...
by onourway
Thu Jun 07, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick my vanguard investment
Replies: 39
Views: 1729

Re: Help me pick my vanguard investment

Nobody can answer whether it is 'worth the risk.' That's a decision you have to make for yourself. I'm sure you would think it was worth it if the market-tilt you chose ended up being the right one and you made extra money. How would you feel if it was the wrong one and you perpetually under-perform...
by onourway
Thu Jun 07, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Help me pick my vanguard investment
Replies: 39
Views: 1729

Re: Help me pick my vanguard investment

I get that but I used almost 20 years of growth, during that time all 4 of these funds have had their ups and downs but since inception the small and mid cap index have done better than the 500 and international. I know using past performance to predict the future is almost a no no but doesn't 20 y...
by onourway
Thu Jun 07, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Penfed CD @ 3% - 5 year
Replies: 16
Views: 2179

Re: Penfed CD @ 3% - 5 year

PurePoint Financial is offering a 3 year CD at 3% as of today.

https://www.purepoint.com/online-bankin ... high-yield
by onourway
Thu Jun 07, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Stick to the Plan... or Kick the Can? (Time to Rebalance)
Replies: 24
Views: 1577

Re: Stick to the Plan... or Kick the Can? (Time to Rebalance)

The hardest part about sticking to a plan is that you have to continuously buy asset classes that are out of favor. Right now that is bonds. Go back and read threads from 2008-09 and you'll see the same attitude about stocks, and many of the forum stalwarts talking about 'Plan B' as an excuse to sel...
by onourway
Thu Jun 07, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3357

Re: Found an FSBO home for sale. How to avoid Realtor?

This is not true. Seller will increase the price of the house to cover those costs so the buyer is most definitely paying. Agent has a great deal of influence in setting the listing price. Further, studies have shown that realtors typically price client houses a bit under market because it increase...
by onourway
Wed Jun 06, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Can you invest in CDs thru Fidelity 403b? I don't think so.
Replies: 2
Views: 159

Re: Can you invest in CDs thru Fidelity 403b? I don't think so.

Bond prices should be expected to fluctuate over periods of time by modest amounts. This is completely normal and no reason to change one's chosen asset allocation. If a temporary 2% loss in fund value (I doubt you have actually lost anywhere near 2% on your initial investment) causes you anxiety, t...
by onourway
Wed Jun 06, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: in idea with SCV and leverage..
Replies: 23
Views: 1742

Re: in idea with SCV and leverage..

People mock this idea and then they go and pay their mortgage payment and car payment as they are investing in their 401k/Roth IRA/taxable accounts. From a balance sheet perspective it is the same thing. The main difference are the specific details of the loan (fixed rate, noncallable, etc). So alo...
by onourway
Wed Jun 06, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Bonds Question
Replies: 15
Views: 670

Re: Bonds Question

In that case it is likely as longinvest says - that $10.95 is simply the average price of all shares you have purchased. Which creates a misleading view of gains and losses. You could download the account data and find out exactly your basis for all purchased shares and likely see exactly what's hap...
by onourway
Wed Jun 06, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Another 2 fund group
Replies: 7
Views: 363

Re: Another 2 fund group

Using backtesting to tell you what would have been a superior strategy is useless for moving forward. It tells you literally nothing about what will happen in the future. You chose a specific asset allocation in the past. You should stick with that asset allocation unless you have a very very good r...