Search found 393 matches

by Ping Pong
Sun Sep 23, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Bareboat Charter in BVI
Replies: 20
Views: 2592

Re: Bareboat Charter in BVI

If you’re going bareboat, you’ll need extra sunscreen.
by Ping Pong
Tue Sep 18, 2018 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor - .30%
Replies: 23
Views: 3205

Re: Vanguard Personal Advisor - .30%

I'm having trouble seeing what the .33% advisor fee gets me. ... The funds automatically rebalance regularly. ... When I make a contribution to an account, I don't have to decide the allocation between funds in the account. When I'm older and start to take distributions, they will know which funds ...
by Ping Pong
Thu Sep 06, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF
Replies: 48
Views: 5526

Re: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF

Vulcan wrote:
Thu Sep 06, 2018 5:04 pm

With VT's expense ratio where it's at and now this new fund all one needs to be globally diversified at market cap is VT+BNDW.
Whoa, slow down. Bndw in choosing its index made a conscious choice to underweight Tips. You’ll have to use 3 funds to get market weight.
by Ping Pong
Tue Sep 04, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Gentlemen: underwear shopping question
Replies: 35
Views: 4018

Re: Gentlemen: underwear shopping question

I’ve always heard money is really dirty. Now I know why.
by Ping Pong
Fri Aug 31, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: Native German speakers: need help with translation.
Replies: 17
Views: 2010

Re: Native German speakers: need help with translation.

Instead of having one custom made, just get one from a Lufthansa WC door from the junkyard.
by Ping Pong
Wed Aug 29, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4242

Re: Bone in my food

omgbirdman wrote:
Wed Aug 29, 2018 12:34 pm
I would advise not eating 5 day old chicken anyway, regardless of bone content..
I don’t think even veal chicken is that young. They still have egg on their feathers at that age.
by Ping Pong
Tue Aug 28, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Escheatment - a series of mole holes
Replies: 24
Views: 1241

Re: IRA Escheatment - a series of mole holes

How often do you have to visit a safety deposit box to keep it active? Is there any special procedure to keep raw land active? I’m guessing it would vary by state.
by Ping Pong
Wed Aug 22, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12392

Re: Good Non-Boring Boglehead Cars Under $30k

Unless you have a need to go through wood, non-boring is the way to go.
by Ping Pong
Mon Aug 13, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Can the greedy 'Private Bank' make any money off my index funds?
Replies: 21
Views: 2230

Re: Can the greedy 'Private Bank' make any money off my index funds?

You’ll need to get 15 medallion signature guarantees if you ever want to transfer your money out.
by Ping Pong
Sat Aug 11, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Private Banking is a trap. Don't do it!
Replies: 55
Views: 7297

Re: Private Banking is a trap. Don't do it!

DualCitizen wrote:
Sat Aug 11, 2018 8:28 pm
The reason I haven't firmly said no is because I want to stay at the Private Bank now (due to better service).
How is the service better if you only write checks? Were they accidentally bouncing legitimate checks in the old account or something?
by Ping Pong
Mon Aug 06, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: Jamie Dimon: Higher rates are coming
Replies: 42
Views: 6762

Re: Jamie Dimon: Higher rates are coming

AlohaJoe wrote:
Mon Aug 06, 2018 9:37 am
In 2013 Jamie Dimon bet $5 billion that rates were going to 3%. (They didn't.)
I thought rates went to 3% in 2014.
by Ping Pong
Fri Aug 03, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Co - signed a Mortage, Now wants out
Replies: 57
Views: 6226

Re: Co - signed a Mortage, Now wants out

Tamarind wrote:
Fri Aug 03, 2018 8:24 am
I don't know if they're extinct or not. Let's just say I've never seen one in the wild, and OP would not have ended up with one by accident.
I thought FHA loans were assumable in the wild. If OP has an FHA loan, then he may have one by accident.
by Ping Pong
Thu Aug 02, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: This Water Leak is Maddening
Replies: 13
Views: 2175

Re: This Water Leak is Maddening

We had a leak that only happened when the shower or tub valve stem was in the open position.
by Ping Pong
Thu Aug 02, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Which offer to accept on vacant land?
Replies: 17
Views: 1925

Re: Which offer to accept on vacant land?

I don't know anything about raw land, but they are offering you similar prices to what farmland in the middle of nowhere costs. If it were me and I was willing to wait indefinitely for a good offer to come along, I'd tell all bidders they need to post an immediate deposit which equals reasonable car...
by Ping Pong
Wed Jul 18, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Computer Clocks
Replies: 17
Views: 1685

Re: Computer Clocks

5 minutes isn’t too bad. I always have a 4 or 5 hour delay from GMT.
by Ping Pong
Wed Jul 18, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: How Unclaimed Property Laws Can Affect Retirees
Replies: 36
Views: 3391

Re: How Unclaimed Property Laws Can Affect Retirees

How should we keep pensions active? I have a pension that wont have any activity for another couple of decades. I’m not even allowed to create any activity in it before then.
by Ping Pong
Wed Jul 18, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: The other side of stock buybacks
Replies: 24
Views: 2331

Re: The other side of stock buybacks

Not the first time Ive seen this called out. What I would also like to see in these analyses - if its even possible - is a breakdown of how much of those insider sales are option exercises vs. sale of shares they already held. I'd bet money its mostly the former. Which makes the motive for doing bu...
by Ping Pong
Wed Jul 11, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Neighbor’s Contractor Damaged Adjoining Property
Replies: 30
Views: 2302

Re: Neighbor’s Contractor Damaged Adjoining Property

The person should contact the contractor who built the driveway. If it can’t handle a truck driving on it, it wasn’t built properly.
by Ping Pong
Sun Jun 24, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 74
Views: 5922

Re: "distilled" water for wife's CPAP machine

Unless you use a food grade condenser, you would also likely end up with lead in the water, which is toxic. Regular condensers can be constructed with lead solder.
by Ping Pong
Sun May 27, 2018 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Is having insurance from 5 different companies normal?
Replies: 15
Views: 1766

Re: Is having insurance from 5 different companies normal?

Your umbrella should be with the same company as your home and auto insurance. The reason is that you want everyone's interests to be aligned; if you are sued for more than your auto policy limits, you do not want two different insurers who have to negotiate a settlement. It should make no differen...
by Ping Pong
Tue May 01, 2018 5:57 am
Forum: Personal Consumer Issues
Topic: Sprinkler system burst, company won't honor guarantee, what to do?
Replies: 21
Views: 3450

Re: Sprinkler system burst, company won't honor guarantee, what to do?

It might not even be the guy’s fault. If your valve has a tiny leak, the pipes could have slowly filled up with water.
by Ping Pong
Thu Apr 19, 2018 6:33 am
Forum: Investing - Theory, News & General
Topic: Goof? Prime MM, "retail," "Admiral," $5 million minimum?
Replies: 20
Views: 3054

Re: Goof? Prime MM, "retail," "Admiral," $5 million minimum?

I think by law, institutions are no longer allowed to own this type of money market fund, hence the name change to Admiral.
by Ping Pong
Sat Apr 07, 2018 5:47 am
Forum: Investing - Theory, News & General
Topic: Global Stock Markets in the Twentieth Century
Replies: 16
Views: 1241

Re: Global Stock Markets in the Twentieth Century

It looks like Italian bonds went from 1 to 2000 in 55 years for a cagr of almost 15% real. Impressive. I’d hate to try to get a mortgage in that era.
by Ping Pong
Mon Apr 02, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 12277

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

Most surprising, emerging markets appear to mostly sell to each other, with rather small penetrations into the developed countries so far — at least as of 2014. I don’t think the graph differentiates between selling within a country versus selling within a region. So emerging markets might mostly b...
by Ping Pong
Thu Mar 29, 2018 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Floating Rate Note-Has its Time Arrived?
Replies: 40
Views: 4282

Re: Treasury Foating Rate Note-Has it's Time Arrived?

I just checked Vanguard and they show no FRN’s available on the secondary market. So it seems that with the 2 year FRN, you get a yield similar to a t-bill, but no liquidity if held at Vanguard.
by Ping Pong
Tue Feb 13, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 7350

Re: Question for music experts about musical keys

The key the song is in shouldn’t make a big difference. Oftentimes they pick a key that matches the singer’s optimal vocal range. The flat or sharp that the first note happens to begin on shouldn’t matter either. It’s only flat relative to C major. But relative to the key the song is in, it’s not fl...
by Ping Pong
Thu Feb 08, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Tip amount for daily newspaper delivery
Replies: 21
Views: 1431

Re: Tip amount for daily newspaper delivery

It sounds like I need to see if I can get a job as a paper delivery person at the beginning of December and quit at the end of the month.
by Ping Pong
Tue Jan 30, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Low depth elongated toilet?
Replies: 22
Views: 2432

Re: Low depth elongated toilet?

I think depth is overblown. I’d be more worried about how cold the water is.
by Ping Pong
Sun Dec 31, 2017 7:05 am
Forum: Investing - Theory, News & General
Topic: Before buying gold, have a look at these returns since 1975
Replies: 84
Views: 7905

Re: Before buying gold, have a look at these returns since 1975

What I have seen somewhere is that gold is very useful for storing a constant value over the extreme long term, so a nice men's suit in the 1800s cost about an ounce of gold and it still does today. A highly volatile zero real return asset that's not really correlated to anything does have some div...
by Ping Pong
Wed May 17, 2017 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Delay SS, but claim if market plunges
Replies: 49
Views: 5611

Re: Delay SS, but claim if market plunges

You should have a tips ladder with a rung maturing each year between your retirement date and age 70. The size of each rung should be equal to your expected annual age 70 SS benefit. There should be no need to claim early because you will have created your own SS-like stream.
by Ping Pong
Tue May 16, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Invest in PT Job's 401k to Get Match?
Replies: 9
Views: 1062

Re: Should I Invest in PT Job's 401k to Get Match?

The simplest method would be to contribute 500 a month to the PT plan and 1000 to the FT plan. Then you know you'll be maxed out and get the maximum match from each. You may have to adjust these numbers somewhat to make sure you get the match, but otherwise it should be set and forget.
by Ping Pong
Thu Feb 23, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Looking for suggestions for a Wine Cooler
Replies: 28
Views: 1656

Re: Looking for suggestions for a Wine Cooler

We're a family of 4 and putting in one pan and two pots pretty much fills ours up. The regular dishes have to go in another load. We only have one dishwasher, so we often do two loads. That wouldn't be bad at all except it takes over two hours to do a load.
by Ping Pong
Thu Feb 23, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Looking for suggestions for a Wine Cooler
Replies: 28
Views: 1656

Re: Looking for suggestions for a Wine Cooler

You shouldn't put in a wine cooler unless you have 2 dishwashers and still have room left over.
by Ping Pong
Fri Feb 17, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Induction cooktop impressions?
Replies: 32
Views: 3348

Re: Induction cooktop impressions?

Most of the induction stoves I have seen only have 10 discrete power settings. On my regular electric stove which has a continuous knob from 0 to 10, setting it to 2 will burn eggs while settting it to 1 will cook them so slow they will stick to the pan and taste yucky. I have to cook them at 1.4. I...
by Ping Pong
Mon Feb 13, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 55
Views: 7025

Re: How long do you keep your kitchen sponge?

If you use The Ringer, you won't need a sponge. It's a chain mail scrubber you can get on amazon.
by Ping Pong
Wed Jan 25, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Need a good commuter car fairly soon
Replies: 86
Views: 8708

Re: Need a good commuter car fairly soon

Why is everyone recommending a bigger car because of soccer? My son plays soccer and the only things we need to transport are a ball and a water bottle. I don't know what kind of car we'll need when he joins the chess team though. Should we get a full size van?
by Ping Pong
Sat Dec 10, 2016 2:44 pm
Forum: Investing - Theory, News & General
Topic: Beware of Interval Funds
Replies: 10
Views: 1899

Re: Beware of Interval Funds

I'd be wary of purported liquidity premiums. If there were a decent premium, a liquid entity could issue liquid shares and then buy illiquid assets, thereby arbitraging the premium and creating liquidity. If farmland had a liquidity premium, it'd be easy enough to buy a bunch of farmland, rent It ou...
by Ping Pong
Thu Dec 08, 2016 9:11 pm
Forum: Personal Consumer Issues
Topic: Frying pan recommendations
Replies: 53
Views: 4857

Re: Frying pan recommendations

If you like cast iron and want something smooth, get a carbon steel frying pan. It works the same way as cast iron. In fact, it's pretty much the same material, just not cast. You have to season it and you can't put it in the dishwasher. They cook great. Check the reviews on Amazon.
by Ping Pong
Mon Nov 28, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: Trailer on an Odyssey? [Is an Odyssey even the right choice?]
Replies: 34
Views: 6112

Re: Trailer on an Odyssey? [Is an Odyssey even the right choice?]

PULMOR makes small trailers that keep your things dry. The tongue weight is 32 pounds.
by Ping Pong
Mon Oct 24, 2016 4:36 pm
Forum: Personal Consumer Issues
Topic: Car dealer "Internet Sales Department" - Useless?
Replies: 58
Views: 7691

Re: Car dealer "Internet Sales Department" - Useless?

Or even better, in July/August when the new model years are rolling around. We are going to be needing a 2nd car for when my daughter starts school next August. We have cash now. I'll play the game a little bit after Christmas to see if someone will give me an insane deal, otherwise we're waiting u...
by Ping Pong
Mon Oct 24, 2016 4:12 pm
Forum: Personal Consumer Issues
Topic: Car dealer "Internet Sales Department" - Useless?
Replies: 58
Views: 7691

Re: Car dealer "Internet Sales Department" - Useless?

I see a number of posters saying they haven't been able to get quotes for cars recently. I think the problem is that you guys are trying to buy cars at the beginning of the model year. That's when EVERYONE is buying a car. That's when the people who don't care about price buy cars. Those people just...
by Ping Pong
Fri Jul 29, 2016 5:43 am
Forum: Investing - Theory, News & General
Topic: Two-Step Rebalancing
Replies: 48
Views: 6760

Re: Two-Step Rebalancing -- to keep both emotions and risk in check

You could accomplish your goals by rebalancing only every 6 months. That reduces the rebalancing multiple times into a falling market scenario. And it eliminates the wash sale problem. Holding cash for 6 months during the slow-motion rebalance doesn't really add any benefit. I guess you could hold c...
by Ping Pong
Sun Jul 17, 2016 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?
Replies: 66
Views: 9072

Re: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?

You should see if you can get your friend to quit his business and join yours for 8 months out of the year. See if you can get him to buy out 1/3 of your business as well.
by Ping Pong
Wed Jun 29, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: Whole House Dehumidifier?
Replies: 17
Views: 2337

Re: Whole House Dehumidifier?

I would be interested in buying a whole house unit if it were installed OUTSIDE, but none of the ones that I see online seem to have that option. A whole house unit that just dumps all that waste heat back into my house is inefficient. The Ultra-Aire SD12 dumps heat to the outside. It cools while i...
by Ping Pong
Wed Jun 01, 2016 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Rental, Accept Offer Before Hits Market?
Replies: 16
Views: 1853

Re: Selling Rental, Accept Offer Before Hits Market?

If you list it on the MLS, you'll have to pay a commission. Even if you get a higher price, you might end up with less money.
by Ping Pong
Tue Mar 22, 2016 8:42 pm
Forum: Investing - Theory, News & General
Topic: The Rarely Noted "Real Returns"
Replies: 45
Views: 6210

Re: The Rarely Noted "Real Returns"

Thank you for this analysis, OP. It is very thought provoking. I love how it shows the steadyness of real returns for sufficiently long periods of time. I'm curious what a rolling analysis would show.
by Ping Pong
Tue Mar 22, 2016 8:13 pm
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 5404

Re: How to get rid of poison ivy

You definitely should not burn poison ivy. Inhaling the fumes can be fatal. And the plant would probably die too.
by Ping Pong
Tue Mar 01, 2016 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mom is 5 Social Security Credits Short - How Do I Help?
Replies: 20
Views: 3809

Re: Mom is 5 Social Security Credits Short - How Do I Help?

She doesn't need to work for 15 months. She only needs to earn $5,040 one calendar year and $1,260 in another calendar year.