Search found 475 matches

by FlyingMoose
Sun Oct 25, 2020 8:44 pm
Forum: Personal Consumer Issues
Topic: New washing machine / washing clothes in hot water?
Replies: 52
Views: 3821

Re: New washing machine / washing clothes in hot water?

I have an on-demand (tankless) heater in the shower. FlyingMoose: Do you like your tankless water heater? Do you think it is better than a conventional tank-type water heater for the general population? Thank you and best wishes. Taylor I have been looking into these as well. They are interesting b...
by FlyingMoose
Sun Oct 25, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: New washing machine / washing clothes in hot water?
Replies: 52
Views: 3821

Re: New washing machine / washing clothes in hot water?

Question: With no water heater, do you take cold showers? I know 80-85 wouldn't cpmpare to out 60 degree water, but it seems cold for a shower. I have an on-demand (tankless) heater in the shower. FlyingMoose: Do you like your tankless water heater? Do you think it is better than a conventional tan...
by FlyingMoose
Sun Oct 25, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: New washing machine / washing clothes in hot water?
Replies: 52
Views: 3821

Re: New washing machine / washing clothes in hot water?

Question: With no water heater, do you take cold showers? I know 80-85 wouldn't cpmpare to out 60 degree water, but it seems cold for a shower. I have an on-demand (tankless) heater in the shower. FlyingMoose: Do you like your tankless water heater? Do you think it is better than a conventional tan...
by FlyingMoose
Sun Oct 25, 2020 8:53 am
Forum: Personal Consumer Issues
Topic: New washing machine / washing clothes in hot water?
Replies: 52
Views: 3821

Re: New washing machine / washing clothes in hot water?

I'm going to be buying a new front-loading washing machine, and I'm trying to decide if I should buy one capable of heating the water. I would assume that your old washing machine does not have the water heating feature. If so have you ever had any problems because you don't have it now? Just FYI, ...
by FlyingMoose
Sun Oct 25, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: New washing machine / washing clothes in hot water?
Replies: 52
Views: 3821

Re: New washing machine / washing clothes in hot water?

MathWizard wrote: Fri Oct 23, 2020 12:59 pmQuestion: With no water heater, do you take cold showers? I know 80-85 wouldn't cpmpare to
out 60 degree water, but it seems cold for a shower.
I have an on-demand (tankless) heater in the shower.
by FlyingMoose
Wed Oct 21, 2020 7:19 am
Forum: Personal Consumer Issues
Topic: New washing machine / washing clothes in hot water?
Replies: 52
Views: 3821

Re: New washing machine / washing clothes in hot water?

We have a less than year old washer that uses very little water but works very well except for workout gear. It has the capacity to heat water. My workout/sports related clothing, often soaking wet with sweat gets washed in hot water (not sanitary cycle hot) 2-3 times a week and it does a great job...
by FlyingMoose
Wed Oct 21, 2020 3:23 am
Forum: Personal Consumer Issues
Topic: New washing machine / washing clothes in hot water?
Replies: 52
Views: 3821

Re: New washing machine / washing clothes in hot water?

What about if the machine starts to smell like mold (as I’ve read front loaders can do), would running a hot cycle help with that?
by FlyingMoose
Tue Oct 20, 2020 11:39 pm
Forum: Personal Consumer Issues
Topic: New washing machine / washing clothes in hot water?
Replies: 52
Views: 3821

New washing machine / washing clothes in hot water?

I'm going to be buying a new front-loading washing machine, and I'm trying to decide if I should buy one capable of heating the water. My tap water is 80-85 degrees year-round, and I don't have a hot-water tap. The machine capable of heating the water costs $200 more, for a feature I think I would r...
by FlyingMoose
Fri Oct 02, 2020 5:09 am
Forum: Personal Investments
Topic: Forced to be out of market during election
Replies: 11
Views: 2067

Re: Forced to be out of market during election

One of my retirement accounts is being transferred to another plan, and will automatically sold on Nov 2 (which is, entirely coincidentally, the day before the election). I will be able to buy back in some time during November, the 27th at the latest, once the transfer is complete. The stock portio...
by FlyingMoose
Fri Oct 02, 2020 1:47 am
Forum: Personal Investments
Topic: Forced to be out of market during election
Replies: 11
Views: 2067

Re: Forced to be out of market during election

One of my retirement accounts is being transferred to another plan, and will automatically sold on Nov 2 (which is, entirely coincidentally, the day before the election). I will be able to buy back in some time during November, the 27th at the latest, once the transfer is complete. The stock portio...
by FlyingMoose
Fri Oct 02, 2020 1:23 am
Forum: Personal Investments
Topic: Forced to be out of market during election
Replies: 11
Views: 2067

Forced to be out of market during election

One of my retirement accounts is being transferred to another plan, and will automatically sold on Nov 2 (which is, entirely coincidentally, the day before the election). I will be able to buy back in some time during November, the 27th at the latest, once the transfer is complete. The stock portion...
by FlyingMoose
Thu Aug 20, 2020 5:23 am
Forum: Personal Finance (Not Investing)
Topic: Want to buy condo, unsure about earthquake safety
Replies: 12
Views: 1071

Re: Want to buy condo, unsure about earthquake safety

In California, the safest buildings to survive earthquakes are those that are bolted to the foundation (so the structure doesn't slide sideways, off it's base) and the walls are reinforced with diagonal bracing (since rectangular stud framing can turn into parallelograms). [You might be able to tes...
by FlyingMoose
Wed Aug 19, 2020 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Want to buy condo, unsure about earthquake safety
Replies: 12
Views: 1071

Re: Want to buy condo, unsure about earthquake safety

Looks like you have about a 50-50 chance. "Around one out every two steel bars installed in construction are manufactured by SteelAsia." https://www.steelasia.com/company/company-history Was the building built prior to SteelAsia making substandard rebar? Keep in mind that even if they use...
by FlyingMoose
Wed Aug 19, 2020 2:25 am
Forum: Personal Finance (Not Investing)
Topic: Want to buy condo, unsure about earthquake safety
Replies: 12
Views: 1071

Re: Want to buy condo, unsure about earthquake safety

You could consult a qualified structural engineer who is familiar with local buildings. Whether they meet local code or not may not tell you much. Local codes, at least in the US, are generally aimed at saving lives and NOT necessarily preserving property from damage. I'm not as concerned about the...
by FlyingMoose
Tue Aug 18, 2020 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Want to buy condo, unsure about earthquake safety
Replies: 12
Views: 1071

Want to buy condo, unsure about earthquake safety

I've lived in the Philippines for a couple of years and I'm considering buying a condo. The building I've been renting in is about 5 years old and I'd like to buy a unit in the same building. We just had a fairly large earthquake yesterday and it reminded me of an article about how the main company ...
by FlyingMoose
Wed Jul 22, 2020 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a refund on a cancelled vacation
Replies: 22
Views: 1810

Re: Getting a refund on a cancelled vacation

You still may get the money from the credit card dispute. When you open the dispute, they give you money right away. If the merchant appeals they take it back. If you continue, they give you the money and that’s when they actually have a person look at the case. I would say the vast majority are dec...
by FlyingMoose
Mon Jul 06, 2020 8:13 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9916

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

I feel like I missed out by having a 3-fund portfolio instead of a 2-fund portfolio, since international has done so poorly.
by FlyingMoose
Tue Jun 09, 2020 10:27 pm
Forum: Investing - Theory, News & General
Topic: TIPS yielding almost 2% real
Replies: 13
Views: 2599

Re: TIPS yielding almost 2% real

This makes no sense. How can we believe bond yields if they change randomly like that?
by FlyingMoose
Tue Jun 09, 2020 8:23 pm
Forum: Investing - Theory, News & General
Topic: TIPS yielding almost 2% real
Replies: 13
Views: 2599

Re: TIPS yielding almost 2% real?

According to Vanguard's website, the short-term TIPS fund (VTAPX) currently has a yield of 1.96%, which doesn't include the inflation adjustment. The price hasn't dropped significantly, so how is the yield so high? feels like a bust As opposed to a bubble? Can you explain? How does the yield change...
by FlyingMoose
Tue Jun 09, 2020 7:56 pm
Forum: Investing - Theory, News & General
Topic: TIPS yielding almost 2% real
Replies: 13
Views: 2599

TIPS yielding almost 2% real

According to Vanguard's website, the short-term TIPS fund (VTAPX) currently has a yield of 1.96%, which doesn't include the inflation adjustment. The price hasn't dropped significantly, so how is the yield so high?
by FlyingMoose
Thu Jun 04, 2020 6:50 pm
Forum: Investing - Theory, News & General
Topic: Gold vs bonds
Replies: 72
Views: 4193

Re: Gold vs bonds

Bonds are ballast for the portfolio, but they aren't risk-free, mainly because of inflation risk. And gold may be more anti-correlated with stocks. Can you expand on your point that gold might be better than bonds, from a correlation point of view? Portfolio Visualizer lists correlations of asset c...
by FlyingMoose
Wed Jun 03, 2020 9:00 pm
Forum: Investing - Theory, News & General
Topic: Gold vs bonds
Replies: 72
Views: 4193

Re: Gold vs bonds

it has had much higher return, but it has also had much higher risk as measured by standard deviation and by drawdown, and overall, it has had far lower risk-adjusted return as measured by the Sharpe and Sortino ratios. You could easily find periods of time that had the opposite results. But in a w...
by FlyingMoose
Wed Jun 03, 2020 8:13 pm
Forum: Investing - Theory, News & General
Topic: Gold vs bonds
Replies: 72
Views: 4193

Gold vs bonds

The common argument I've seen here is that gold is a bad investment because it doesn't pay any dividends, and on average only keeps up with inflation. I've also seen it said that the best predictor of the future return of bonds is the current yield. The yields on bonds are currently so low that they...
by FlyingMoose
Wed May 06, 2020 6:03 pm
Forum: Investing - Theory, News & General
Topic: Can't believe how ridiculously expensive Shopify is [Stock]
Replies: 66
Views: 5270

Re: Can't believe how ridiculously expensive Shopify is

Haha I thought you were gonna say it was expensive to use the service. My mom used Instacart and she said they add 10% to the item prices, charge 15% delivery fee and recommend a 15% tip. That’s like a 40% premium on the groceries!
by FlyingMoose
Wed May 06, 2020 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Dealer won’t give back car titled in my name, how to proceed?
Replies: 71
Views: 5934

Re: Dealer won’t give back car titled in my name, how to proceed?

What will the dealer do if they don't get the title? Aren't they kind of stuck then since they can't really sell it if they don't have the title to sell? Also sounds like the brother was trying to get out of the deal by trading in a car that he knew was encumbered. Maybe it wasn't just that he wante...
by FlyingMoose
Tue May 05, 2020 11:19 pm
Forum: Investing - Theory, News & General
Topic: Gold - Price over Spot
Replies: 18
Views: 1609

Re: Gold - Price over Spot

If you want exposure to gold now but want to wait until the premium comes down, you could buy a gold ETF now and then sell it and buy the physical when the premium is smaller.
by FlyingMoose
Thu Apr 30, 2020 5:37 am
Forum: Investing - Theory, News & General
Topic: AAAU in a Roth IRA
Replies: 4
Views: 340

Re: AAAU in a Roth IRA

If this was true, wouldn’t all those “gold in your IRA” companies be in big trouble?
by FlyingMoose
Thu Apr 30, 2020 2:06 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri: "You have to stick with that plan for the rest of your life."
Replies: 61
Views: 9242

Re: Rick Ferri: "You have to stick with that plan for the rest of your life."

Replace 'factors' with 'international', and you're describing my portfolio. I will be sticking with it as I have for this past decade, but I'd be lying if I said it didn't bother me at times. Same here. I’ve been 50% international since I started investing, but once I had a decent amount of money i...
by FlyingMoose
Wed Apr 29, 2020 6:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10405
Views: 821791

Re: U.S. stocks continue to soar!

Will be a complete disaster for the bulls if they can't pump this up and close above 2,900! Moving the goalpost much? The main goalpost should be 2934.49 which is a 61.8% Fibonacci retracement. We’ve been around these levels for a few weeks and yet to push past that level. Sometimes I wonder if peo...
by FlyingMoose
Fri Apr 24, 2020 5:05 am
Forum: Personal Consumer Issues
Topic: Scented Candle recommendations?
Replies: 14
Views: 798

Re: Scented Candle recommendations?

I like the candles from Voluspa.
by FlyingMoose
Wed Apr 22, 2020 2:58 am
Forum: Personal Finance (Not Investing)
Topic: Delay mortgage payments under CARES Act
Replies: 73
Views: 5040

Re: Delay mortgage payments under CARES Act

I’ve heard that they don’t report it late but put a note on your credit report that you’re in forbearance, which has been causing people a 25-50 point hit on your credit score, and also makes it impossible to Refi at lower rates.
by FlyingMoose
Tue Apr 21, 2020 4:31 pm
Forum: Personal Consumer Issues
Topic: Anybody here pay less than $40 a month for home internet and with what company?
Replies: 62
Views: 4520

Re: Anybody here pay less than $40 a month for home internet and with what company?

I live in Cebu, Philippines. Internet (DSL) is PHP1899 per month, which is currently $37.39. Just did a test and got 24Mbps download and 42Mbps upload.
by FlyingMoose
Mon Apr 20, 2020 2:46 am
Forum: Investing - Theory, News & General
Topic: Best Financial Instrument to profit from the upcoming Oil-Price Recovery
Replies: 55
Views: 4029

Re: Best Financial Instrument to profit from the upcoming Oil-Price Recovery

Part of the reason it’s low is because there’s no way to profit from it (since everyone knows it’ll be higher in the future, it would have been bid up if there was a way to do it). Unless you own an oil storage tank or some other place to take physical delivery and store it.
by FlyingMoose
Thu Apr 16, 2020 12:18 am
Forum: Investing - Theory, News & General
Topic: Short vs long TIPS inflation protection
Replies: 68
Views: 6399

Re: Short vs long TIPS inflation protection

I see. I got the impression from reading other threads about TIPS that the NAV will change with expected inflation in such a way as to cancel out the adjustment (in the same way that the NAV of regular bonds compensates for interest rate changes). If inflation was 2% but everyone expected it to be 5...
by FlyingMoose
Wed Apr 15, 2020 8:23 pm
Forum: Investing - Theory, News & General
Topic: Short vs long TIPS inflation protection
Replies: 68
Views: 6399

Re: Short vs long TIPS inflation protection

If the price of TIPS doesn't change based on inflation, why do the prices of TIPS fluctuate so much more than regular bonds? Are you saying that the expectation of future inflation has no influence on the price? If so, why do TIPS supposedly protect against unexpected inflation? You say that short t...
by FlyingMoose
Wed Apr 15, 2020 7:00 pm
Forum: Investing - Theory, News & General
Topic: Short vs long TIPS inflation protection
Replies: 68
Views: 6399

Short vs long TIPS inflation protection

I need some help understanding how the duration of tips affects their inflation protection. I understand that regular bonds are more affected by interest rate changes if they have longer duration. I have thought of TIPS as being regular bonds (where their duration affects interest rate sensitivity) ...
by FlyingMoose
Wed Apr 15, 2020 7:21 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29813

Re: Report when you receive your stimulus check here

FlyingMoose wrote: Wed Apr 15, 2020 5:20 am Got mine today! My dad didn’t get his yet.
My dad just got his in the last few hours.
by FlyingMoose
Wed Apr 15, 2020 5:20 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29813

Re: Report when you receive your stimulus check here

Got mine today! My dad didn’t get his yet.
by FlyingMoose
Sat Apr 11, 2020 6:49 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield higher than treasuries
Replies: 4
Views: 822

TIPS yield higher than treasuries

The current yield on Vanguard Short Term Treasury Index (VSBSX) is .38%. The current yield on Vanguard Short Term Inflation Protected (VTAPX) is .69%. This doesn't include the inflation adjustment, so it would be even higher. These numbers are from Vanguard's website. The durations is a little longe...
by FlyingMoose
Sat Apr 11, 2020 1:17 am
Forum: Investing - Theory, News & General
Topic: High Yield bonds in stock allocation
Replies: 33
Views: 1650

Re: High Yield bonds in stock allocation

Also helps when the Fed buys up all the troubled high yield bonds and prevents them from declining in value. No moral hazard to see here, folks. Move along. This is why I’m hesitant. If the Fed hadn’t stepped in they would probly be more attractively priced, especially for the risk that the Fed doe...
by FlyingMoose
Fri Apr 10, 2020 5:51 pm
Forum: Investing - Theory, News & General
Topic: High Yield bonds in stock allocation
Replies: 33
Views: 1650

High Yield bonds in stock allocation

A common refrain on the forum is "High Yield bonds are more like stocks." What if we take that to its logical conclusion and consider them to be stocks. Surely they're safer than stocks in some ways. And the yields are currently very high. I'm not saying to put all of your stock money into...
by FlyingMoose
Thu Apr 09, 2020 8:22 am
Forum: Personal Investments
Topic: Advisor urging switch to a neutral portfolio
Replies: 15
Views: 1412

Re: Advisor urging switch to a neutral portfolio

Noobvestor wrote: Thu Apr 09, 2020 4:58 amHoly capitulation, Batman! Basically sell low, buy high, lock in losses, and shelter in place. An extreme pivot during a stock downturn.
It doesn’t seem like capitulation if he was recommending this starting in September, actually it seems quite prescient. Of course, it’s too late now...
by FlyingMoose
Wed Apr 08, 2020 12:56 am
Forum: Personal Investments
Topic: dry powder increasing
Replies: 52
Views: 4776

Re: dry powder increasing

k1982 wrote: Wed Apr 08, 2020 12:42 am P.S. if i had another chance i would of put 100% of my dry powder (not just 1/3 of it) at the 20% down spiral

lesson learned :P
If I had another chance, I’d buy a lottery ticket with the winning numbers, but we can’t predict the future. We can only do what we think is the best at the time.
by FlyingMoose
Sat Apr 04, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 55
Views: 5761

Re: is a $1000+ herman miller office chair worth the investment?

I had mine for 12 years and loved it. After I moved it was at a friend’s house and ended up getting burned up in one of the California wildfires.
by FlyingMoose
Mon Mar 30, 2020 11:19 pm
Forum: Personal Consumer Issues
Topic: Tipping in new reality?
Replies: 80
Views: 4821

Re: Tipping in new reality?

https://www.nbcnews.com/business/business-news/why-instacart-doordash-workers-don-t-always-receive-tips-you-n965926 You shouldn’t tip because you’re just subsidizing the company, none of the money actually increases how much the worker is paid. I’m not surprised the workers are striking. The compani...
by FlyingMoose
Mon Mar 30, 2020 10:48 pm
Forum: Personal Consumer Issues
Topic: Tipping in new reality?
Replies: 80
Views: 4821

Re: Tipping in new reality?

I recall an article that Instacart keeps your tips and only pays minimum wage, unless your tips would exceed minimum wage.
by FlyingMoose
Wed Mar 25, 2020 4:06 pm
Forum: Personal Consumer Issues
Topic: Is there a device to connect to a regular phone to make wireless calls?
Replies: 25
Views: 1403

Re: Is there a device to connect to a regular phone to make wireless calls?

You say she can’t use a cell phone for “various reasons”. Is it because of lack of signal, is it because of rules there, is it because she is unable to physically or mentally, or something else? This will help inform the answers.
by FlyingMoose
Sun Mar 22, 2020 5:18 pm
Forum: Personal Investments
Topic: I feel no fear and no pain. Is now the time to reallocate more toward equity?
Replies: 43
Views: 2632

Re: I feel no fear and no pain. Is now the time to reallocate more toward equity?

You are comfortable with the current drop, but it is only a 30% drop. The common wisdom is that you should be comfortable with a 50% drop.