Search found 77 matches

by SEAworld9
Fri Apr 20, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 690
Views: 55630

Re: To take or not to take delivery of Tesla 3

starting to see a bunch of them here in my area (seattle); maybe a handful each day. beautiful cars and would get one if our apartment building had charging spots.
by SEAworld9
Thu Mar 29, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: New 401k plan
Replies: 10
Views: 886

Re: New 401k plan

UpstateNY86 wrote:
Wed Mar 28, 2018 10:28 pm
Thats awful. Why did they make that decision?
our CFO "feels more comfortable" with transamerica. yup.
by SEAworld9
Wed Mar 28, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k plan
Replies: 10
Views: 886

Re: New 401k plan

grass is always greener. my company just move from fidelity netbenefits to transamerica. average expense ratio went from .40% to 1.39%. and there isn't even a single index fund.
by SEAworld9
Tue Mar 27, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account Reservations???
Replies: 23
Views: 3374

Re: Online Savings Account Reservations???

all america bank. 1.75% up to $50k. then you can open the same account at redneck bank (their online bank brand). 1.75% up to $50k there as well. so combined your wife and you can have up to $200k earning 1.75%, which adjusts higher as rates go up. It's technically a free, high-yield checking accoun...
by SEAworld9
Fri Jan 05, 2018 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: UGH: New 401k Average Expense Ratio Increased 252%
Replies: 9
Views: 929

Re: UGH: New 401k Average Expense Ratio Increased 252%

I have heard of people in your situation putting together a proposal and convincing HR to switch to a lower cost provider. putting this together now. i have a great relationship with our HR director (who came from our company); most of the other members of the team came from the other. fingers cros...
by SEAworld9
Fri Jan 05, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: UGH: New 401k Average Expense Ratio Increased 252%
Replies: 9
Views: 929

Re: UGH: New 401k Average Expense Ratio Increased 252%

obviously a terrible decision made with the transition. using simple math, compounded over 30-years the increase in ERs produces a 32.3% difference in investment value. i guess i just have to live with it unless i want to or when i move jobs. At my previous company someone made a very nice chart ex...
by SEAworld9
Fri Jan 05, 2018 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: UGH: New 401k Average Expense Ratio Increased 252%
Replies: 9
Views: 929

UGH: New 401k Average Expense Ratio Increased 252%

long story short, my company merged with another last year and they're unifying benefits. 401k info finally came out and we're switching providers from fidelity to transamerica (ugh #1). the worst part is that when i looked at the options, the average expense ratio for the available fund options wen...
by SEAworld9
Wed Dec 13, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: Concert Decision and Advice
Replies: 41
Views: 2641

Re: Concert Decision and Advice

go. there is nothing like live music and enjoying it simultaneously with thousands of other people.
by SEAworld9
Wed Dec 13, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Sinking fund for dream cars
Replies: 23
Views: 1796

Re: Sinking fund for dream cars

do it now. you obviously are fiscally responsible and save diligently, and it's good to enjoy the things you want in life. who knows what the road may bring in 15 years.
by SEAworld9
Tue Dec 12, 2017 12:54 am
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 17469

Re: A good friend has nearly $1M in BitCoin what do I tell him?

I'm curious... Let's say that friend did decide to liquidate his $1 million in bitcoins. Anyone have any idea what the actual transaction costs would be to go from X bitcoins to $1,000,000 cash? that really depends on where it sits, how it's done, where it sits, and how fast. if it's already on an ...
by SEAworld9
Tue Dec 12, 2017 12:43 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 206
Views: 25933

Re: MoviePass-Too good to be true, but it's legit.

If you go see the same move 10 times I suspect they'd be interested in that too. Someone may be interested in knowing if someone goes to see the same movie 10 times, but they will not find that information through MoviePass. MoviePass will only pay for you to view a movie one time. i'm assuming eng...
by SEAworld9
Mon Dec 11, 2017 5:09 pm
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 114
Views: 10423

Re: likely date for a bitcoin crash: does this make sense to you?

You can purchase anything from computer services, to pizza, real estate, a Tesla car, a Subway sandwich, airline tickets, women’s lingerie, or even manicures with Bitcoin. Amazon.com offers a 5% discount for any purchase made with Bitcoin.[/i] No bitcoin fan has yet chosen to comment on my attempt ...
by SEAworld9
Mon Dec 11, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin IRA
Replies: 28
Views: 2792

Re: Bitcoin IRA

i wouldn't hold bitcoin in an IRA, and this is coming from a bitcoin holder. most of the vehicles available charge (relatively) enormous fees vs holding the actual asset.
by SEAworld9
Fri Dec 08, 2017 2:42 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 182
Views: 18765

Re: Call the top! - Bitcoin

Found this comment on a Financial Times article from yesterday interesting: I tried to sell my remaining holdings today (after hitting more than $17k) and I'm still waiting after about 20 hours for my transaction being confirmed to get it into an exchange. There's over 200,000 transactions in the b...
by SEAworld9
Fri Dec 08, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 199
Views: 26446

Re: Buying and Spending Bitcoin

Keep sharing more stories about about spending bitcoin and other cryptocurrencies. Here is a documentary where filmmaker Morgan Spurlock tried Living on Bitcoin for a Week . At 1:00 in, Morgan Spurlock says: Some people say that it's the wave of the future. One day we'll be able to pay for everythi...
by SEAworld9
Fri Dec 08, 2017 1:47 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 182
Views: 18765

Re: Call the top! - Bitcoin

Josh Brown CNBC did a foray into Bitcoin and it seems that it takes a week or so to actually get the trade through to your account. this statement is missing a lot of context. if you have funds already with an exchange, buy/sell is instantaneous. Did you read Greyfox's account of his experience, Bu...
by SEAworld9
Fri Dec 08, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 6138

Re: What do Bogleheads say when they don't want to spend money?

not sure why you would feel you have to justify; it's your money. if you dont want it you dont want it.
by SEAworld9
Fri Dec 08, 2017 12:19 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 182
Views: 18765

Re: Call the top! - Bitcoin

Josh Brown CNBC did a foray into Bitcoin and it seems that it takes a week or so to actually get the trade through to your account. this statement is missing a lot of context. if you have funds already with an exchange, buy/sell is instantaneous. what it sounds like he did was buy through coinbase ...
by SEAworld9
Thu Dec 07, 2017 5:48 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Bitcoin & It’s Risks
Replies: 57
Views: 5356

Re: Larry Swedroe: Bitcoin & It’s Risks

a couple more thoughts: as bogleheads, we're not in the initial rounds of funding or issuance of shares. so the companies we "invest" in aren't really taking our cash to put to work. rather we're buying a fraction of ownership after it's changed hands multiple times over, in hopes that we can sell ...
by SEAworld9
Thu Dec 07, 2017 5:26 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Bitcoin & It’s Risks
Replies: 57
Views: 5356

Re: Larry Swedroe: Bitcoin & It’s Risks

Bogleheads.....Here is the part I just don't get about Bitcoin. The article was great! How do I convert Bitcoin to currency? Meaning, let's hypothetically assume I have 1+MM in Bitcoin....how do I actually convert this to dollars in my bank account that I can spend on whatever? You have to sell it ...
by SEAworld9
Wed Dec 06, 2017 6:31 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 26556

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

right. so essentially, spray n' pray. put my money into stuff that i know nothing about - and as you mention, that i dont need to know anything about - and because i'm buying everything, with a little luck over the time period i'm "invested" ... hopefully i'll end up with more money in the end. but...
by SEAworld9
Wed Dec 06, 2017 5:43 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 26556

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

if there's no point in even asking the questions we'd be staying away from every type of investment and there would be no investment industry. do you know the future of every one of your investments? do you know the SWOT and your personal perspective for every company that's in all of your index fu...
by SEAworld9
Wed Dec 06, 2017 5:28 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 26556

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

saltycaper wrote:
Wed Dec 06, 2017 5:15 pm
Looks like it's up about 30% since his comments 8 days ago, far outpacing the return of US stocks and bonds. So far Bogle's been wrong.
24 hours ago it was at $11,744. it's about to break $14,000 now. regardless of whether you're pro or con, this is crazy to watch/be involved in.
by SEAworld9
Wed Dec 06, 2017 5:18 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Bitcoin & It’s Risks
Replies: 57
Views: 5356

Re: Larry Swedroe: Bitcoin & It’s Risks

Characterizing an investment as only something that can produce cash flows in the future is another BogleMyth. That's your personal definition of "investment", and numerous reference sources disagree with you: Jonathan, I think the main point is that Bogleheads basically embrace being average. They...
by SEAworld9
Wed Dec 06, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: Crypto-Currency
Replies: 17
Views: 1515

Re: Crypto-Currency

That post makes me feel really good about my shorts. what's your exposure and what are you looking to close out at? at what price will you fill, both low and high? bitcoin's gone from $11,739 to $13,457 just in the last 24 hours on gdax. no condescendtion or negative tone implied... more so interes...
by SEAworld9
Wed Dec 06, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 267
Views: 19400

Re: Do people still use AAA?

I have two Toyota Camrys in good condition. I have AAA, but never need it for towing or road service. I use it for hotel discounts and travel information. Of course, if there is ever a breakdown, I have it available for that too. this. i also have towing coverage through a few credit cards, but mai...
by SEAworld9
Wed Dec 06, 2017 12:19 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 26556

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

most here thing bitcoin is a bubble and will soon crash and it's understandable how that's the common view. but objectively thinking.... what if it's not? The same logic applies to any investment, ever. An investor's job is to explain why bitcoin, TODAY, is a better investment from a risk return st...
by SEAworld9
Wed Dec 06, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 26556

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

most here thing bitcoin is a bubble and will soon crash and it's understandable how that's the common view. but objectively thinking.... what if it's not? In my opinion the better and more important question would be "is this a bubble?" There is no point to either question, as neither can be answer...
by SEAworld9
Wed Dec 06, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Bitcoin & It’s Risks
Replies: 57
Views: 5356

Re: Larry Swedroe: Bitcoin & It’s Risks

Never invest in anything you don't understand or can't explain to a 12 year-old. Following this simple rule will save you from a world of hurt. i get this logic but we should flip the mirror. bitcoin aside.... do you really understand every single company and product, its SWOT, and your personal pe...
by SEAworld9
Wed Dec 06, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 26556

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

I remember a buddy buying Dow Corning at $110, because fiber optics were the "future of the internet" and growth was "unlimited". http://i66.tinypic.com/n64600.png I personally bought at about $80 on the way up, and $70 on the way down. "GLW" was my personal lesson on "I don't know squat about any ...
by SEAworld9
Wed Dec 06, 2017 11:36 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Bitcoin & It’s Risks
Replies: 57
Views: 5356

Re: Larry Swedroe: Bitcoin & It’s Risks

Never invest in anything you don't understand or can't explain to a 12 year-old. Following this simple rule will save you from a world of hurt. i get this logic but we should flip the mirror. bitcoin aside.... do you really understand every single company and product, its SWOT, and your personal pe...
by SEAworld9
Wed Dec 06, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 26556

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

most here thing bitcoin is a bubble and will soon crash and it's understandable how that's the common view.

but objectively thinking.... what if it's not?
by SEAworld9
Thu Nov 30, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 26556

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

originally opened my acct in 2013. bought very little then, and have been buying since late august of this year. do your own research, make your own decisions. if you want to compare this to tulips go for it, however this is nothing like tulips. And the research could include the Dutch "tulipmania"...
by SEAworld9
Thu Nov 30, 2017 12:32 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 26556

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

originally opened my acct in 2013. bought very little then, and have been buying since late august of this year. do your own research, make your own decisions. if you want to compare this to tulips go for it, however this is nothing like tulips. And the research could include the Dutch "tulipmania"...
by SEAworld9
Thu Nov 30, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Does Schwab ever offer transfer bonus into existing accounts
Replies: 20
Views: 2229

Re: Does Schwab ever offer transfer bonus into existing accounts

just ask despite the copy. all banks have the ability to provide bonuses for accounts they want.
by SEAworld9
Thu Nov 30, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 17469

Re: A good friend has nearly $1M in BitCoin what do I tell him?

don't tell him anything. stay out of his financial matters, especially about something you don't know that much about.
by SEAworld9
Thu Nov 30, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: I Can "Afford" This Right? (New Car)
Replies: 60
Views: 5024

Re: I Can "Afford" This Right? (New Car)

i have very similar stats to you. yes, you can.

and no, you should not go buy a camry.
by SEAworld9
Thu Nov 30, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 26556

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

originally opened my acct in 2013. bought very little then, and have been buying since late august of this year.

do your own research, make your own decisions. if you want to compare this to tulips go for it, however this is nothing like tulips.
by SEAworld9
Mon Nov 13, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Buying bitcoin / Cryptocurrency to market cap (.3%)
Replies: 42
Views: 4518

Re: Buying bitcoin / Cryptocurrency to market cap (.3%)

i hodl about 10% in bitcoin in cold storage and pick up more on dips.

i'd suggest doing a lot of reading and then make your own decision. this is one of best examples of "dont trust investment advice from strangers on the internet" - one way or another.
by SEAworld9
Thu Nov 09, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 211
Views: 22145

Re: How old are you and how much do you save for retirement a year

age: 34 single filer savings per year 401k: $18,000 + employer match of 2% of salary backdoor: $5,500 hsa: $3,400 taxable and alternative investments: $19,530 (no work bonus) - $52,975 (maxing out work bonus) ive been saving for retirement since age 13. not always consistent (especially through teen...
by SEAworld9
Fri Oct 27, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Pay lump sum to get rid of PMI?
Replies: 13
Views: 1769

Re: Pay lump sum to get rid of PMI?

WestsideGuy wrote:
Mon Oct 23, 2017 9:48 pm
Have you looked into getting a new appraisal? That's what I did, and it did the trick.
depending on where you live, i would look into this. forecast it out and you can determine your breakeven.
by SEAworld9
Fri Oct 27, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 206
Views: 25933

Re: MoviePass-Too good to be true, but it's legit.

we have it and love it. super easy to use and you can still use your theater rewards program for a double dip. ticket prices here are around $15, so this is definitely the way to go. we also dont like 3D or 4DX or any of that stuff so this is perfect for us.
by SEAworld9
Mon Oct 16, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 8717

Re: What are you driving? And would you buy your current ride again?

1999 infiniti qx4 suv - daily. would buy again in a heartbeat.
2007 aston martin v8 vantage - garage beast. would buy again faster than a heartbeat.

i do the maintenance on both.
by SEAworld9
Sat Oct 07, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: How much worth house should one buy?
Replies: 73
Views: 4964

Re: How much worth house should one buy?

I think it's a reasonably smart thing to do with the money as opposed to things like travel which become worthless as soon as you come home. And the house just keeps on giving in terms of enjoyment for many people, while travel is gone in an instant beyond some photos. not to derail the thread, but...
by SEAworld9
Sat Oct 07, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 77
Views: 7970

Re: Tips on Uber

SimonJester wrote:
Sat Oct 07, 2017 1:19 pm

The Uber business model was built as a cashless & tipless experience. The entire point was to know the price to get from point A to point B before you got into the vehicle.
this.
by SEAworld9
Sat Oct 07, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 206
Views: 25933

Re: MoviePass-Too good to be true, but it's legit.

Yeah, I just do not see how this is sustainable.... The CEO thinks that people will buy the pass and then enough customers who watch 1 or fewer movies per month will balance out and cover all the people watching 1 every day/week/etc. I do not see how this ends well. considering the longer term play...
by SEAworld9
Fri Oct 06, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: personal capital
Replies: 42
Views: 6100

Re: personal capital

i use PC and love it. easy to track cash flows, net worth, investment accounts, etc.

just let the calls go to voicemail or answer once and tell them you're not interested. if that's price of using this great tool, i'm in.
by SEAworld9
Tue Oct 03, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 7832

Re: Are credit cards rewards worth it?

All depends on how you do it. My credit card "spend" has (sometimes vastly) exceeded my annual income for the last five years. Can you explain how your credit card spend has exceeded your incoming for 5 years? Reimbursed business expenses is one that quickly jumps to mind. I regularly put $1500-$20...