Search found 2996 matches

by aristotelian
Mon Nov 20, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: What brand of used car - Hyundai vs Nissan?
Replies: 14
Views: 675

Re: What brand of used car - Hyundai vs Nissan?

I did some research recently looking into Honda/Toyota but also considering Hyundai and Nissan. Hyundai looks MUCH better across the board for reliability in the cars that I was seeing. Lot of complaints regarding Nissan CVT transmissions. I guess if you go with Nissan go with manual. By the way, s...
by aristotelian
Mon Nov 20, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 13
Views: 498

Re: Drive it till it dies. It died.

Regarding the old car, maybe you can put an add on Craigslist and see if a Nissan enthusiast who wants to take on the transmission rebuild will want to buy it from you. Otherwise, your only option may be to call a junk yard and sell it for scrap. Why would you buy a newer version of a car that just ...
by aristotelian
Mon Nov 20, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Open enrollment - Choosing HSA vs PPO - expecting baby
Replies: 19
Views: 725

Re: Open enrollment - Choosing HSA vs PPO - expecting baby

I wouldn’t choose HSA for time like this. Why not? His HDHP/HSA has the lowest out of pocket max of all the plans. Something is not right, how could a HDHP has lower out of pocket max. Isn’t that one reason why they give you HSA in the first place. I had HSA plan for one year and that was a long ti...
by aristotelian
Mon Nov 20, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Open enrollment - Choosing HSA vs PPO - expecting baby
Replies: 19
Views: 725

Re: Open enrollment - Choosing HSA vs PPO - expecting baby

DrGoogle2017 wrote:
Sun Nov 19, 2017 11:45 am
I wouldn’t choose HSA for time like this.
Why not? His HDHP/HSA has the lowest out of pocket max of all the plans.
by aristotelian
Mon Nov 20, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: High deductible health insurance with HSA for family of 5
Replies: 8
Views: 369

Re: High deductible health insurance with HSA for family of 5

If I understand the numbers you posted, your employer contribution to the HSA more than makes up for the difference in deductibles. For what it's worth, your employer contribution also covers about what I have been paying out of pocket under an HDHP for a healthyish family of four. That out of pocke...
by aristotelian
Mon Nov 20, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Contemplating offer on a house with SolarCity lease
Replies: 14
Views: 1057

Re: Contemplating offer on a house with SolarCity lease

What are the terms that seller has offered? Is the price of the house supposed to include the panels? It is not clear to me that there is an offer on the table. Give the seller these two options and play hardball: option 1. seller buy lease out and you get solar free without a price adjustment. opti...
by aristotelian
Mon Nov 20, 2017 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Refinance 30yr to 15yr mortgage?
Replies: 27
Views: 2124

Re: Refinance 30yr to 15yr mortgage?

Thanks again for the responses. Clearly I'm a novice, armed with just enough info to be very dangerous to my financial future. That being said, I don't quite understand the advice to sell the property... From my perspective, I have someone else paying 80% of the mortgage and associated fees for thi...
by aristotelian
Mon Nov 20, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: What brand of used car - Hyundai vs Nissan?
Replies: 14
Views: 675

Re: What brand of used car - Hyundai vs Nissan?

I did some research recently looking into Honda/Toyota but also considering Hyundai and Nissan. Hyundai looks MUCH better across the board for reliability in the cars that I was seeing. Lot of complaints regarding Nissan CVT transmissions. I guess if you go with Nissan go with manual.
by aristotelian
Sun Nov 19, 2017 10:44 pm
Forum: Investing - Theory, News & General
Topic: Valuation of EE Savings Bonds
Replies: 62
Views: 8315

Re: Valuation of EE Savings Bonds

EE bonds are very similar, except that the holding period is 20 years and the interest rate is 3.53%. How many times in the historic record have nominal bonds held for 20 years beaten stocks? About three. In virtually all of the rest, stocks have absolutely trounced bonds. Buying EE bonds is taking...
by aristotelian
Sun Nov 19, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: Valuation of EE Savings Bonds
Replies: 62
Views: 8315

Re: Valuation of EE Savings Bonds

I'm not trying to cast this as a bonds vs. stocks debate. My point, rather, is that EE bonds are so different from other bonds that they should be treated as qualitatively distinct. With traditional bonds, you can sell them when you want with little or no foregone interest. The overwhelming majorit...
by aristotelian
Sun Nov 19, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer Money from South Africa
Replies: 6
Views: 386

Re: Transfer Money from South Africa

Have you talked with your bank(s) about accepting wire transfers from South Africa? I would guess this would be the easiest.

Number two would be opening a bank account in South Africa, particularly if you already travel there (or want to do so).
by aristotelian
Sun Nov 19, 2017 8:16 pm
Forum: Investing - Theory, News & General
Topic: Valuation of EE Savings Bonds
Replies: 62
Views: 8315

Re: Valuation of EE Savings Bonds

When the EE Bond is purchased, the market price is $10K for a $10k bond. We know that because that is how much they are sold for, and there is a market for them at that price point. That is its value in today's dollars. When it is redeemed, it is worth $20k in future dollars. While I can't prove it ...
by aristotelian
Sun Nov 19, 2017 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Bond funds vs Ladder
Replies: 26
Views: 1592

Re: Bond funds vs Ladder

I would not want to invest in individual bonds for the same reason that I do not want to invest in individual stocks. You are concentrating your risk and increasing the chances that you will make a mistake, whether committing yourself to a low interest rate for a long time, or picking the wrong muni...
by aristotelian
Sun Nov 19, 2017 5:06 pm
Forum: Investing - Theory, News & General
Topic: Is investing with Vanguard a tragedy of the commons?
Replies: 34
Views: 3200

Re: Is investing with Vanguard a tragedy of the commons?

No. It is not a tragedy of the commons situation at all. The tragedy of the commons applies to consumable resources without property rights. The equity markets are not a consumable resource and they do come with property rights, so you need to come up with a different economic model. Next objection...
by aristotelian
Sun Nov 19, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help Moving IRAs, Starting Anew, Balancing Debt, Saving and Investments
Replies: 12
Views: 631

Re: Help Moving IRAs, Starting Anew, Balancing Debt, Saving and Investments

What are your monthly expenses? Have you been making good progress on your student loans? I am very concerned about your savings rate. You have a high income (much higher than mine) but very little to show for it, and you bought a lot of house relative to your savings and debt. Have you considered d...
by aristotelian
Sun Nov 19, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Collection agency calls intended for another person:
Replies: 29
Views: 1508

Re: Collection agency calls intended for another person:

When we have notified the collection agency that the person is not at this address, or number, the calls did stop. Then, a year later, another agency called, they said they just got that account. Then the calls stopped again. YMMV. +1. We had this happen. Every time I would answer the phone and tel...
by aristotelian
Sun Nov 19, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 88
Views: 5754

Re: Is holding bonds now dangerous?

According to Vanguard , a 70/30 portfolio had a 9.1% annual return from 1926-2016, while a 100/0 portfolio had a 10.2% return over that same period. The worst annual loss for the 70/30 was 30.7%, while the worst annual loss for the 100/0 was 43.1%. Remember that you cannot 'eat' a risk-adjusted ret...
by aristotelian
Sun Nov 19, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 88
Views: 5754

Re: Is holding bonds now dangerous?

Is there a study or white paper showing a portfolio of 70% stocks and 30% bonds, produces 90% of the 100% stock return and exactly how much less volatility? All i could find was this study comparing differing portfolio allocations to the Buffett portfolio of 90% stocks and 10% bonds. It compares ma...
by aristotelian
Sun Nov 19, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 93
Views: 7777

Re: The valet smashed my Tesla into a brick wall!

I would try to negotiate with the owner such that you end up with a new Tesla even if that means you pay the difference between a new car replacement and the value of your car at the time of the accident.
by aristotelian
Sun Nov 19, 2017 7:46 am
Forum: Investing - Theory, News & General
Topic: Invest using my State's college plan or Another?
Replies: 7
Views: 355

Re: Invest using my State's college plan or Another?

That sucks but T Rowe Price does have an S&P index with a decent ratio if memory serves. I would probably do that to get the tax benefit unless you are planning to move soon. Another option is I Bonds from Treasury Direct although I believe removing the tax exemption is on the table for the new tax ...
by aristotelian
Sun Nov 19, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Annual timing of Roth IRA contribution
Replies: 15
Views: 1320

Re: Annual timing of Roth IRA contribution

The one reason to wait is if you are close to the contribution limit. Your W-2 income may be low enough but is it possible that you may realize capital gains or receive some kind of windfall during the year that might put you over? This nailed me a couple of years ago. I had maxed out DW's and my R...
by aristotelian
Sat Nov 18, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investment ideas to get to retirement faster and in better shape!
Replies: 7
Views: 673

Re: Help with investment ideas to get to retirement faster and in better shape!

You appear to be saving well with 600k and house paid off. With mortgage gone your savings rate should increase. However, your portfolio is conservatively invested with only 50% equities and CDs instead of bonds. Your best bet is to increase your equity allocation. Up to you if you can stomach the r...
by aristotelian
Sat Nov 18, 2017 5:21 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 88
Views: 5754

Re: Is holding bonds now dangerous?

Dangerous but not as dangerous? :confused (As all stock) Over periods less than around 20 years, bonds have been less volatile in terms of real returns. Over longer periods, bonds have been more volatile than stocks. See Siegel's fantastic book Stocks for the Long Run for analysis on this issue. Of...
by aristotelian
Sat Nov 18, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard intermediate tax emempt vs CD
Replies: 4
Views: 669

Re: Vanguard intermediate tax emempt vs CD

Higher average return tax free vs guaranteed return. Up to you and your tolerance for risk.
by aristotelian
Sat Nov 18, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 88
Views: 5754

Re: Is holding bonds now dangerous?

Respectfully, I disagree. That is ok, almost everyone in this thread disagrees with me :). But why? Why is holding bonds for the next 10-20 years to prepare for retirement a good thing? I currently hold 25% in fixed income because I do not want to put my entire portfolio at risk of a 2008 (or worse...
by aristotelian
Sat Nov 18, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 88
Views: 5754

Re: Is holding bonds now dangerous?

Stocks are a much bigger risk for negative real return and with much bigger downside. If you want to time the market, you could hold short term bonds. Or, if you find principal loss to be unacceptable, you could hold individual bonds. Holding individual bonds sounds better Actually the net result o...
by aristotelian
Sat Nov 18, 2017 8:47 am
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 88
Views: 5754

Re: Is holding bonds now dangerous?

Stocks are a much bigger risk for negative real return and with much bigger downside. If you want to time the market, you could hold short term bonds. Or, if you find principal loss to be unacceptable, you could hold individual bonds.
by aristotelian
Fri Nov 17, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at FRA of 66, or delay for one year?
Replies: 10
Views: 826

Re: Retire at FRA of 66, or delay for one year?

I don't know what your goals or expenses are like, but if you (and more importantly, your wife) can get by pulling about $50K annually from your portfolio, you should be just fine. Personally, I would have retired several years ago.
by aristotelian
Thu Nov 16, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe
Replies: 28
Views: 2052

Re: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone

Have you upgraded the OS? Android phone manufacturers periodically send out wireless software updates to upgrade your phone from Android 4 to 5 and so on. I am seeing that Android 6 is available for your phone. To see if an update is available, go to Settings-->About Phone. There should be an optio...
by aristotelian
Thu Nov 16, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe
Replies: 28
Views: 2052

Re: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone

Have you upgraded the OS? Android phone manufacturers periodically send out wireless software updates to upgrade your phone from Android 4 to 5 and so on. I am seeing that Android 6 is available for your phone. To see if an update is available, go to Settings-->About Phone. There should be an option...
by aristotelian
Wed Nov 15, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Too much risk for early retirement?
Replies: 21
Views: 3144

Re: Too much risk for early retirement?

If you can live on $100K expenses you will be fine. That is only a 3.1% withdrawal rate from the portfolio and that does not even include social security. That would be regarded as very safe. If you are ready to retire, should get out yesterday.
by aristotelian
Wed Nov 15, 2017 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Re: Children's investment
Replies: 3
Views: 345

Re: Children's investment

I think the 18 year old can open their own account. The others you would have to do a UTMA or 529.

Do you have checks written out to the kids?
by aristotelian
Wed Nov 15, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe
Replies: 28
Views: 2052

Re: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone

What is the phone and malware? You can try and do a factory reset. Of course you will lose all your data that isn't in the cloud.
by aristotelian
Wed Nov 15, 2017 9:07 pm
Forum: Investing - Theory, News & General
Topic: Saturna=the only no-fee HSA investing option
Replies: 4
Views: 600

Re: Saturna=the only no-fee HSA investing option

This is good information. I naturally assumed there would be no good options on their selected list, but it is better than most. However, Saturna's no fee option comes out ahead only up to about $15k. Above that, Lively for $30 is the better deal. I would rather just go with Lively and not have to s...
by aristotelian
Wed Nov 15, 2017 12:54 pm
Forum: Investing - Theory, News & General
Topic: Do you subscribe to taking risk only on the equity side
Replies: 40
Views: 2263

Re: Do you subscribe to taking risk only on the equity side

Long term bonds are interesting to me because they are most non-correlated to stocks. However, I do not have the stomach to own them as part of my bond allocation, which indeed I see as narrowing the volatility of my portfolio and providing a baseline of fixed income. One possibility would be to con...
by aristotelian
Wed Nov 15, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Shiller's Concern on Passive Investing
Replies: 10
Views: 1395

Re: Shiller's Concern on Passive Investing

If indexing is for people with low intellectual capacities, why does it outperform active investing by the world's top managers? I would rather use a system that works than one that makes me smart. Maybe he is just saying in a condescending way that indexing is easy. As Bill Bernstein has said, a fi...
by aristotelian
Tue Nov 14, 2017 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Help
Replies: 7
Views: 654

Re: HSA Help

Do you plan to invest the HSA or use it to pay your out of pocket?

Do you currently max your 401k and IRA?
by aristotelian
Tue Nov 14, 2017 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Is it worth starting investing if 7-8 years from retirement?
Replies: 22
Views: 2430

Re: Is it worth starting investing if 7-8 years from retirement?

Ok thanks. I'll talk to them again and looking at the solo 401k Vanguard page it looks like the only administrative cost is $20 a year per fund. How long does it usually take to set something like this up? +1, Solo 401k would be ideal. If they delay their annuity and SS, they could withdraw from th...
by aristotelian
Mon Nov 13, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion of Total Stock Market Index
Replies: 21
Views: 2284

Re: Opinion of Total Stock Market Index

It is a much beloved fund discussed in numerous threads. It is a key component of the three fund portfolio, complemented by Total International Stock Market Index and Total Bond Market Index, depending on your tolerance for risk.

https://www.bogleheads.org/wiki/Three-fund_portfolio
by aristotelian
Mon Nov 13, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Separate Unlinked Vanguard Account
Replies: 7
Views: 526

Re: Separate Unlinked Vanguard Account

Any chance you have a spouse? I wanted to do that for some cash to park for my nieces. My solution was to have one joint account with our money and a separate individual account for other stuff.
by aristotelian
Mon Nov 13, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about my mom's finances?
Replies: 17
Views: 1304

Re: What do I need to know about my mom's finances?

When you say she has asked you to log onto several accounts, are those accounts that are in her name? You should not be logging in using another person's credentials. If she wants you to be involved in her finances and prepared to help her out should she need it, you should go through the proper cha...
by aristotelian
Mon Nov 13, 2017 7:06 pm
Forum: Investing - Theory, News & General
Topic: Regret of selling winning stocks early
Replies: 64
Views: 8531

Re: Regret of selling winning stocks early

So, back before I was a boglehead and did all kinds of stupid things with my money, I bought about 5k in Tesla stock when it was trading at $180/share. A few weeks went by and it went up to like 200/share and I thought wow this is great! Then it dropped again a few weeks later to 188, so I spooked ...
by aristotelian
Mon Nov 13, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Rethinking I-bonds vs Tax Advantaged TIPS fund
Replies: 5
Views: 639

Re: Rethinking I-bonds vs Tax Advantaged TIPS fund

I am not following. First of all, why is the premise important? In other words, why is it necessary that I Bonds match inflation after tax? Either way, they are giving you a variable rate that adjusts with inflation. Regarding the math, I believe your fallacy is that you could put anything in your 4...
by aristotelian
Mon Nov 13, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Rethinking I-bonds vs Tax Advantaged TIPS fund
Replies: 5
Views: 639

Re: Rethinking I-bonds vs Tax Advantaged TIPS fund

What if you cash in the I Bonds with a 0% effective rate? There have been threads here of people paying 0% effective tax with 100k of expenses in retirement.

I also don't see how TIPS in the 401k solves the problem since the gains will be taxed.
by aristotelian
Mon Nov 13, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for 5% return
Replies: 65
Views: 4736

Re: Asset allocation for 5% return

It's threads like these that make you wonder if the bubble is about to pop.
by aristotelian
Mon Nov 13, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Actually might have "enough", thinking of suspending retirement savings in favor of saving for down payment
Replies: 36
Views: 3106

Re: Actually might have "enough", thinking of suspending retirement savings in favor of saving for down payment

When would you like to move? If you are making the move in retirement, the optimal strategy would be to save for the down payment in your 401k and/or IRA.
by aristotelian
Mon Nov 13, 2017 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest home downpayment which I am not certain when to buy if ever?!
Replies: 62
Views: 3390

Re: Where to invest home downpayment which I am not certain when to buy if ever?!

Back on topic, with a truly indefinite timeframe, I would just invest according to your normal allocation. Don't invest in a "separate account" that could limit your return for years to come. When you get close to the point of being ready to buy, then consider either savings, CD, or short term bond ...
by aristotelian
Mon Nov 13, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: Chromebook/Similar for Elderly Dad
Replies: 30
Views: 1742

Re: Chromebook/Similar for Elderly Dad

I think Chromebook is ideal for elderly if they can get past the idea of all their data being in the cloud. I have never heard of one getting a virus and that would be my biggest concern setting an elderly person up with a Windows computer. It is simply inevitable that they will get a virus or fall ...
by aristotelian
Sun Nov 12, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Use or Lose $850 from Limited Expense FSA
Replies: 36
Views: 1668

Re: Use or Lose $850 from Limited Expense FSA

If she will use the prescription toothpaste in perpetuity, easiest thing would be to get a lifetime supply.... Do either of you have any interest in Lasik? The issue with the RX toothpaste is that the stuff expires. We have at least a good 18 month supply now. Re: LASIK, I have 20/20 vision. She ha...
by aristotelian
Sun Nov 12, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Use or Lose $850 from Limited Expense FSA
Replies: 36
Views: 1668

Re: Use or Lose $850 from Limited Expense FSA

If she will use the prescription toothpaste in perpetuity, easiest thing would be to get a lifetime supply. And lesson learned, don't budget the FSA unless you have a known expense coming up. What we try to do (although usually fail) is to take care of all exams for the whole family in the fall, get...