Search found 1118 matches

by onourway
Sun Aug 19, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 12363

Re: Remind me (again) how real estate isn't a GREAT investment?

Whether real estate is or isn't a great investment depends entirely on your vantage point. Some people will be fortunate to be in the right market at the right time, make a bunch of money, and have an overly positive outlook. Others will get burned from the opposite conditions. Most people will end ...
by onourway
Mon Aug 13, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 5904

Re: how much car can we afford?

I strongly disagree that it generally makes a huge difference in the type of "skew" you mention. Especially since money in accessible tax-deferred accounts (e.g., IRA's) *is* available if needed. But for others, people can - and do - go into debt. Some people are more responsible in terms of managi...
by onourway
Mon Aug 13, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 5904

Re: how much car can we afford?

Regarding your start above: " IMO advice gets skewed when a poster has much of their wealth concentrated in taxable accounts rather than tax-advantaged... " Why is advice "skewed" (and "skewed how") when wealth is concentrated in taxable vs. non-taxable - or even vice versa? The difference is mostl...
by onourway
Mon Aug 13, 2018 5:54 am
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 5904

Re: how much car can we afford?

IMO advice gets skewed when a poster has much of their wealth concentrated in taxable accounts rather than tax-advantaged. Do you have nothing in 401k's or IRA's @johussman? What happens when you re-frame your situation as having say $600k as retirement funds? (which would be a pretty good position ...
by onourway
Sun Aug 12, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7674

Re: [New Vanguard website layout starting Saturday, August 11]

The reality is that most of the world does most of their web browsing from mobile devices these days, and it's much easier to navigate a mobile optimized site on a computer than the opposite. Re-designing a user interface of any type is a thankless job. Everyone is going to have an opinion, and most...
by onourway
Thu Aug 09, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: 1024.99 for a book. Why?
Replies: 21
Views: 3304

Re: 1024.99 for a book. Why?

It's just sellers gaming the Amazon system. There is no cost for them to list at that price, and if they get just one buyer it's a huge payday. Yes, people do actually fall for some of these.

There was a good episode of the podcast Reply All on this subject recently.
by onourway
Tue Aug 07, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Selling a used car
Replies: 49
Views: 1993

Re: Selling a used car

https://www.cars.com/vehicledetail/detail/743667531/overview/ Issues I see with the ad. Pictures are terrible and there are typos in the ad. This makes a huge difference. Wash the car well inside and out and take some decent pictures including the interior. $50 in hubcaps would go a long ways to dr...
by onourway
Mon Aug 06, 2018 6:51 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12885

Re: "Age in Bonds" fails almost everyone

I think threads like this have their greatest value in illustrating exactly how far into this bull cycle we really are. The point in having bonds is not because they improve returns, rather, the reduced volatility they provide prevent people from making very expensive behavioral mistakes when things...
by onourway
Thu Jun 28, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4143

Re: Any Reason to Keep My "Landline" Phone?

If you don't use it, no point in keeping it. The ONLY thing I noticed when we dropped ours was that it is somewhat convenient with kids to have a single point of contact number for schools, doctors, etc. but that can be done for free if we really wanted it. Land-line phones are no longer even more r...
by onourway
Thu Jun 28, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8982

Re: "homemade dividends" from Total Stock Market fund

What happens to the price of a fund (or stock) if it pays a dividend? The answer is that the fund drops in value by exactly the amount of the dividend. The total value remains the same either way. The dividend is simply returning a portion of the company''s value to shareholders - in effect allowing...
by onourway
Thu Jun 28, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6420

Re: Vanguard is really pushing their Personal Adviser Service

The thing is, when she rolled over her $730K in 2014, they promised her a FREE update every year. Now they took that away. It seems like bait and switch. It may well be as Rick says that rules have changed (or Vanguard's internal interpretation of those rules have changed) and they can no longer gi...
by onourway
Thu Jun 28, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6420

Re: Vanguard is really pushing their Personal Adviser Service

I think that's where we're headed, but there is no single fund that has a 50/50 stocks/bonds AA. In 2006 they prepared a plan for me and it was 80% Life Strategy Conservative Growth Fund and 20% Total Stock Market. That gives you 50/50 using only two funds. In subsequent years they recommended buyi...
by onourway
Thu Jun 28, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets in Bear Territory
Replies: 65
Views: 8431

Re: Emerging Markets in Bear Territory

Nearly all of the 'loss' is a retreat from an extremely short-lived peak between December and January. Otherwise, as Livesoft already mentioned, it's off about 4% since last fall, and still up ~4% for the last year.
by onourway
Thu Jun 28, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Sister-in-Law - trouble adulting - Pay medical bill?
Replies: 41
Views: 3643

Re: Sister-in-Law - trouble adulting - Pay medical bill?

It seems to me that people are pretty quick to jump on the mental health issue when it was merely a small comment in the original post. Spending $300 with a psychiatrist does not indicate a mental health issue. More than likely she's a functional adult who is used to being supported by others. I kno...
by onourway
Wed Jun 27, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help with bond funds vs. CD's in retirement portfolio:
Replies: 4
Views: 509

Re: Help with bond funds vs. CD's in retirement portfolio:

If you have more than you need and these two options are likely to end up so close to each other as to make no difference, I would choose the simpler option, which means a bond fund.
by onourway
Tue Jun 26, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 63
Views: 12596

Re: New Capital One 360 ACH limits

Another strike against Capital One 360. Apparently mobile check deposit limits have been greatly reduced. I have been using my 360 account to deposit large checks (5 figures) a number of times per year for years now. Suddenly this morning I am met with a $5,000 limit. Capital One apparently has a de...
by onourway
Mon Jun 25, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Why not go 100% stocks?
Replies: 125
Views: 13940

Re: Why not go 100% stocks?

Just an example of 'the need to take risk'. As mentioned - at your income to expense ratio you can save enough money to retire entirely in fixed income in about 10 years. That would be the closest you can get to a guarantee that you would never run out of money because none of your money would be at...
by onourway
Mon Jun 25, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Why not go 100% stocks?
Replies: 125
Views: 13940

Re: Why not go 100% stocks?

Having money in bonds to buy stocks during downturns is simply to keep your targeted asset allocation in check. It doesn't improve returns. In your case you'd be still buying plenty of depressed assets from new income.
by onourway
Mon Jun 25, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Why not go 100% stocks?
Replies: 125
Views: 13940

Re: Why not go 100% stocks?

Right now stocks have been going up for most of a decade. Bonds are dropping in value. So the temptation to go all stock is high. I would argue if you feel this way, take it as a warning sign. How would you feel if your net worth were to drop by 50% in a matter of months? Are you sure you wouldn't p...
by onourway
Mon Jun 25, 2018 10:23 am
Forum: Investing - Theory, News & General
Topic: New York Times on current yield curve as powerful signal of recession
Replies: 44
Views: 4242

Re: New York Times on current yield curve as powerful signal of recession

1. I am not 100% stock. I'm pretty low net worth at the moment due to just getting out of graduate school and establishing my career. I have a large amount of my net worth saved in a prime money market account (ER + house downpayment). Due to that all new money coming in that I am investing is goin...
by onourway
Mon Jun 25, 2018 4:24 am
Forum: Personal Consumer Issues
Topic: Front load washer gross moldy gasket
Replies: 38
Views: 3694

Re: Front load washer gross moldy gasket

We had a Maytag front loader for nearly 15 years that never had this issue. Our newer LG is a constant battle against mold despite the door always being left open and constant cleaning of the seal. Obviously design plays a role here.
by onourway
Sat Jun 23, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 48
Views: 5406

Re: Apple MacBook Air On Sale $699

Not necessarily a "personal opinion", given the continued embarrassments for Apple: Every hardware manufacturer has issues at times. None of them get raked through the coals like Apple even when they are going above and beyond. I'm typing this on my early 2015 MacBook - the first generation with th...
by onourway
Sat Jun 23, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Is this all investing is?
Replies: 38
Views: 3873

Re: Is this all investing is?

Investing should not be all-encompassing during the accumulation years. You should be saving enough to ensure your financial security should you be so fortunate to reach the age where you need to draw it down. But you should not be saving so much that you spend most of your life with saving as the g...
by onourway
Fri Jun 22, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Two Toyotas - time to update for long trips?
Replies: 25
Views: 2155

Re: Two Toyotas - time to update for long trips?

I see no issue. I would also say that even with a family, a break-down is not necessarily 'awful'. It's something you manage when the time comes. You might consider AAA coverage if it makes you feel better and you have no other coverage source you rely on. I certainly wouldn't be thinking of spendin...
by onourway
Fri Jun 22, 2018 9:57 am
Forum: Investing - Help with Personal Investments
Topic: I want to cash in VTSAX
Replies: 21
Views: 1514

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: 69
Views: 4694

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: 69
Views: 4694

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: 69
Views: 4694

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: 676

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: 2419

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: 2419

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: 30776

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: 29
Views: 2509

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: 2419

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: 905

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: 130
Views: 8644

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 9:56 am
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 63
Views: 12596

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: 63
Views: 12596

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: 63
Views: 12596

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: 1155

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: 12527

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: 2721
Views: 542574

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: 14106

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: 48
Views: 5406

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: 2053

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: 48
Views: 5406

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: 4993

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: 4993

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: 48
Views: 5406

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: 48
Views: 5406

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...