Second vote for Elitefts.
If you follow fitness and garage gym forums, YouTubers, Reddit, etc., this is the brand that always gets recommended the most.
Getting ready to build a garage gym, and getting analysis paralysis on the major, expensive components, so I see this type of question all the time.
Search found 112 matches
- Mon Jul 19, 2021 3:44 pm
- Forum: Personal Consumer Issues
- Topic: Exercise resistance bands
- Replies: 27
- Views: 3285
- Thu Jun 03, 2021 2:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: Texas HELOC Recommendations
- Replies: 7
- Views: 1350
Re: Texas HELOC Recommendations
Thanks for the recommendations on RBFCU.
I have an auto loan with them, so I considered them for the HELOC, but a couple of things concern me.
1. They charge closing costs. Although I'm not sure how much they typically are on a HELOC.
2. The payment info they provide of 140 per 10k borrowed is double of what it should be.
Can anyone go into more detail on their HELOC with RBFCU?
I have an auto loan with them, so I considered them for the HELOC, but a couple of things concern me.
1. They charge closing costs. Although I'm not sure how much they typically are on a HELOC.
2. The payment info they provide of 140 per 10k borrowed is double of what it should be.
Can anyone go into more detail on their HELOC with RBFCU?
- Sat May 29, 2021 3:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: Texas HELOC Recommendations
- Replies: 7
- Views: 1350
Texas HELOC Recommendations
As the title suggests, I want to open a HELOC but I'm in Texas.
I have searched this forum and other websites and seems Texas doesn't get the best deals as people in other states.
So, please share your recommendations for the best deal for people in Texas!
Thanks
I have searched this forum and other websites and seems Texas doesn't get the best deals as people in other states.
So, please share your recommendations for the best deal for people in Texas!
Thanks
- Wed Apr 07, 2021 3:08 pm
- Forum: Personal Consumer Issues
- Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
- Replies: 282
- Views: 27378
Re: The $2000-$4000 Car :) This made me wealthy so jump on board
Nobody gets wealthy by buying cheap cars.... People get wealthy by increasing their income and living below their means. What you fail to mention is the safety of many $2000-$4000 vehicles is lacking compared to even a modern $25K sedan. I know I'd certainly not want to put my family in a vehicle that would not fare well in a crash. Not saying you have to spend $50K on a vehicle but buying some moderately new and with newer safety features is a much better proposition than buying a cheap clunker. OP- your logic seems penny-wise and pound-foolish. Completely agree with this. Just for ease of calculations, let's take a 500/month car payment, which is only 6,000 a year. After 10 years, we have a whopping 60K. If that represents the majority o...
- Sun Mar 07, 2021 2:58 pm
- Forum: Personal Consumer Issues
- Topic: Lexus or Tesla?
- Replies: 193
- Views: 17208
Re: Lexus or Tesla?
I don't see how anyone can consider a Tesla if criteria include comfort, luxury, and reliability. Have you ever sat on one or at least seen interior pictures? They feel like some unfinished mockup or pre-prototype. That alone is instant deal breaker for me. I don't think anyone could be happy long-term with that as their last car. If you want EV, cool, luxury, and comfort, only real choices today are Porsche Taycan and it's Audi cousin. Porsche seems to have just as good reliability as Lexus while Audi does not, so that really narrows it to the Taycan. That could definitely work as a last car. If you want Lexus plus something cool, you actually have two choices: RCF and LC500. Both have the same amazing 5.0 litter V8. RCF is the more practi...
- Sat Feb 13, 2021 4:17 pm
- Forum: Personal Consumer Issues
- Topic: HIIT question [High-Intensity Interval Training]
- Replies: 38
- Views: 3772
Re: HIIT question
That's not tabata. Tabata has become buzzword and misconstrued in fitness circles. Signed a fitness professional Um...huh? The study that Dr. Tabata himself did that led to the use of his name on the style of working out was 8 (i.e. 4 minutes) rounds of 20 second on, 10 second off workouts. So pretty much exactly what you quoted that you said isn't Tabata. That is not correct https://haroldgibbons.com/2019/12/10/why-youre-not-actually-doing-tabata-training/ Do you realize your link literally confirms what I said? From your link: "In the original study, athletes from the Japanese Olympic Speed Skating Team were required to ride 8 rounds, or intervals, of 20 seconds of work followed by 10 seconds of rest. Those 8 work sets took place at...
- Sat Feb 13, 2021 4:12 pm
- Forum: Personal Consumer Issues
- Topic: HIIT question [High-Intensity Interval Training]
- Replies: 38
- Views: 3772
Re: HIIT question
Try Tabata An example of a Tabata workout looks like this: Push-ups (4 minutes) Bodyweight Squats (4 minutes) Burpees (4 minutes) Mountain Climbers (4 minutes) Start with push-ups. Perform them for 20 seconds at a high-intensity. Rest for 10 seconds, and then go back to doing push-ups for 20 seconds. Once you complete eight sets of push-ups, rest for one minute. Next, move on to squats and repeat the sequence of 20 seconds on, 10 seconds off. Once you finish eight sets of squats, rest for one minute, and then do burpees. After burpees, finish the workout with mountain climbers. Tabata is great to get a quick workout in if you're short on time, you need to switch up your routine, or you want improve endurance and speed. Incorporate this typ...
- Thu Feb 04, 2021 3:07 pm
- Forum: Investing - Theory, News & General
- Topic: Any option traders?
- Replies: 94
- Views: 13684
Re: Any option traders?
the premiums dont feel worth it on index funds like spy.you have to sell pretty close to atm to get any decent prem. then that puts you in high probability of getting you shares called away, with the way spy can barrel upwards, you are left in the dust having to buy back at higher spy price. This is totally correct. We don't know where SPY is really going, so it's not clear how you compare the prices of a monthly option vs. one expiring tomorrow. There are several ways you could do that. When I try to guess at the outcomes, I don't see any incentive to sell calls farther out. FWIW. I don't have good charts of past option prices, so the answer may be obvious with better understanding than I have. I like the idea of the tax treatment of .SPX...
- Thu Dec 31, 2020 3:53 pm
- Forum: Personal Consumer Issues
- Topic: bogleheads on Reddit
- Replies: 69
- Views: 14629
Re: bogleheads on Reddit
manatee2005 wrote: ↑Thu Dec 31, 2020 12:38 am My son discovered wallstreetbets on reddit. He has a Robinhood account. He's doing surprisingly well.
That's not likely to end well, unless he really only uses it to get potential ideas and then vets them out himself via his own mechanical system for determining trades.
Seriously, you should really dig into that and try to prevent a disaster unless you are of the camp of letting your kids make horrible mistakes so as to learn and grow. Even still, make sure he isn't using money that really cannot be lost.
- Thu Dec 17, 2020 10:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: Roth IRA Recharacterization and Backdoor Roth
- Replies: 1
- Views: 200
Roth IRA Recharacterization and Backdoor Roth
So, long story short, I made my Roth contribution in January, and now it seems I will likely have an MAGI over 196,000 due to unexpected short-term gains.
I have been doing some research on what I can about this.
My understanding is that I can recharacterize the Roth contribution and its growth as a traditional IRA.
Can I then use backdoor Roth to put it right back into my Roth account? Or even better, can all this be done via paperwork so I don't actually have to move anything around?
I have been doing some research on what I can about this.
My understanding is that I can recharacterize the Roth contribution and its growth as a traditional IRA.
Can I then use backdoor Roth to put it right back into my Roth account? Or even better, can all this be done via paperwork so I don't actually have to move anything around?
- Thu Dec 17, 2020 3:11 pm
- Forum: Personal Consumer Issues
- Topic: Pragmatic "audiophile" receiver recommendations
- Replies: 105
- Views: 8882
Re: Pragmatic "audiophile" receiver recommendations
I second the SVS recommendation for a sub.
I also recommend getting at least a 12" if you care about anything below 60 Hz.
Also, bass traps are really quite necessary for smaller rooms and still desired for larger ones (room treatment should definitely be a priority)
I also recommend getting at least a 12" if you care about anything below 60 Hz.
Also, bass traps are really quite necessary for smaller rooms and still desired for larger ones (room treatment should definitely be a priority)
- Sun Nov 29, 2020 3:40 pm
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 14360
- Views: 1989905
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
Having cleared the commission issue, I am still interested in why you chose the 10 Delta 120 days out. Please elaborate. Please refer to this spreadsheet as a reference LINK . Note that I added a tab with the VIX chart with some minor annotation. I prefer to be mechanical in my approach when I execute, but I want a well thought out approach. So here is a criterion and desired state description: 1. We don't know when a black swan is coming or how long it lasts. 2. We want a preemptive hedge in place for when it does arrive. 3. We want to benefit from tail risk events not be a victim to them. Since I don't know when a black swan is coming and how long it might last I want to have the hedge in place at all times and I want it to be able to su...
- Sun Nov 29, 2020 2:39 am
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 14360
- Views: 1989905
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
Where is that? The only broker even close would be tasty works with their 10 dollar cap per leg, but even that is up to 250 contracts. I have an account with Tasty Works. The numbers I quoted you are for $50 contracts (5,000 options). Tasty Works does not cap commissions on index options. BTW - Tasty Works equity options there is no 250 contract cap. It's $10 per leg. The 250 contract order limit can be upped with a phone call - it’s the default limit in the platform. Thinkorswim is actually cheaper on index options contracts since they clear their own trades versus Tasyworks who use Apex to clear for them. The retail commission and fees for 5,000 options (50 cars) is $32.50 commission + $9.20 in fees ($41.70). If they expire worthless tha...
- Sat Nov 28, 2020 4:30 pm
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 14360
- Views: 1989905
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
Where is that? The only broker even close would be tasty works with their 10 dollar cap per leg, but even that is up to 250 contracts. I have an account with Tasty Works. The numbers I quoted you are for $50 contracts (5,000 options). Tasty Works does not cap commissions on index options. BTW - Tasty Works equity options there is no 250 contract cap. It's $10 per leg. The 250 contract order limit can be upped with a phone call - it’s the default limit in the platform. Thinkorswim is actually cheaper on index options contracts since they clear their own trades versus Tasyworks who use Apex to clear for them. The retail commission and fees for 5,000 options (50 cars) is $32.50 commission + $9.20 in fees ($41.70). If they expire worthless tha...
- Sat Nov 28, 2020 4:37 am
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 14360
- Views: 1989905
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
Hello, I wanted to revisit this discussion. Why 10 deltas and 120 days out resulting in very cheap options requiring you to buy so many? I would think the commissions on doing this would make this SIGNIFICANTLY more expensive to actually implement. For that reason, why not 60 days out and a strike price of 40% over current VIX levels, for example? Or 30 deltas instead of 10? 5,000 VIX options costs $89 to enter the position where I trade. Zero to exit if you don't cash them. If you cash them it would be $39 in clearing and regulatory fees. The VIX hedge is preemptive. You don't cash it often but when you do you then you want the maximum number of options to benefit from the options moving from extrinsic to intrinsic value (hence the prefer...
- Fri Nov 27, 2020 6:00 pm
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 14360
- Views: 1989905
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
Here is a detailed description of how HFEA (55/45 UPRO/TMF) portfolio has performed with the protection of a VIX options hedge. The numbers are refined from my prior post which overstated the performance. The reason for the overstatement was due to the fact that I did not derive the current monthly value of HFEA to be used as a basis for purchasing the monthly VIX option tranches that would be in effect in mid-March 2020. Nevertheless, the performance of HFEA with the protection of the VIX options hedge was substantially better than the performance of HFEA without the benefit of the insurance that was in effect since the beginning of the model. Background Setup. Start Date of 9/1/2011 based on stockmaster's question on page 132 of this thr...
- Wed Nov 18, 2020 2:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: Is it worth paying extra for more long term disabillity insurance?
- Replies: 24
- Views: 3239
Re: Is it worth paying extra for more long term disabillity insurance?
Not sure if this helps, but now that I have a high-level position (Director) and am in those critical years between having FU money but not basic financial independence yet, I decided to get my own disability insurance for a 10-year term.
It is true own-occupation and would pay out around 65% of current salary. This is costing me 300 a month.
It is true own-occupation and would pay out around 65% of current salary. This is costing me 300 a month.
- Wed Oct 21, 2020 2:35 pm
- Forum: Investing - Theory, News & General
- Topic: Riding HEDGEFUNDIE’s excellent adventure
- Replies: 370
- Views: 99545
Re: Riding HEDGEFUNDIE’s excellent adventure
One thing I'm curious to hear what others think about is cheaper, more efficient/customizable alternatives. I'll explain where I'm coming from here. I'm assuming that anyone on bogleheads is already in the >95th percentile of both financial literacy, attention to the current financial landscape, and desire to learn more about finance/investing. So regardless of the simplicity and hands-off mantra of bogleheads, there seems to me both the aptitude and willingness/desire to be hands-ON and accepting of at least moderate "complexity". So why not implement this with futures? Either both sides of the equation (stocks & bonds) or one of them at least. My personal preference would be equities held outright, and treasury exposure thr...
- Tue Oct 20, 2020 9:47 pm
- Forum: Investing - Theory, News & General
- Topic: Riding HEDGEFUNDIE’s excellent adventure
- Replies: 370
- Views: 99545
Re: Riding HEDGEFUNDIE’s excellent adventure
One thing I'm curious to hear what others think about is cheaper, more efficient/customizable alternatives. I'll explain where I'm coming from here. I'm assuming that anyone on bogleheads is already in the >95th percentile of both financial literacy, attention to the current financial landscape, and desire to learn more about finance/investing. So regardless of the simplicity and hands-off mantra of bogleheads, there seems to me both the aptitude and willingness/desire to be hands-ON and accepting of at least moderate "complexity". So why not implement this with futures? Either both sides of the equation (stocks & bonds) or one of them at least. My personal preference would be equities held outright, and treasury exposure thr...
- Mon Oct 19, 2020 3:22 pm
- Forum: Personal Consumer Issues
- Topic: Items that are worth the money for the quality
- Replies: 553
- Views: 65400
Re: Items that are worth the money for the quality
Louis Vuitton wallet - still looks virtually brand new after 15 years so far
Ducky keyboard
Focal speakers/headphones with the beryllium tweeters
AG pants and shorts
Technivorm Moccamaster
Niche coffee grinder
Onsen (hot springs) resorts in Japan
Rice imported from Japan
Quality shocchu (Japanese vodka)
Professional coaching - Barbell Medicine for me
Ducky keyboard
Focal speakers/headphones with the beryllium tweeters
AG pants and shorts
Technivorm Moccamaster
Niche coffee grinder
Onsen (hot springs) resorts in Japan
Rice imported from Japan
Quality shocchu (Japanese vodka)
Professional coaching - Barbell Medicine for me
- Wed Oct 14, 2020 6:41 pm
- Forum: Investing - Theory, News & General
- Topic: Lifecycle Investing - Leveraging when young
- Replies: 1730
- Views: 335648
Re: Lifecycle Investing - Leveraging when young
Hey Steve, I might be misunderstanding what you are really asking/having trouble with, but it seems straightforward to me: Traditional retirement accounts is the best place for the bonds anyway, so start using contributions there for that while continuing to deleverage the taxable. Thanks for the thoughts. Questions out of curiosity: How were you able to reach this state so quickly after starting this only about two years ago? Either you were already pretty close or your target was really low. Either way, why did you even bother with this strategy and take on the risk just to negate 2 years of sequence risk??? Well, I didn't start working and accumulating 2 years ago. I came to this strategy with some capital already (you can see it on the...
- Wed Oct 14, 2020 2:53 pm
- Forum: Investing - Theory, News & General
- Topic: Lifecycle Investing - Leveraging when young
- Replies: 1730
- Views: 335648
Re: Lifecycle Investing - Leveraging when young
Hey Steve, I might be misunderstanding what you are really asking/having trouble with, but it seems straightforward to me: Traditional retirement accounts is the best place for the bonds anyway, so start using contributions there for that while continuing to deleverage the taxable. I don't remember anywhere in the book saying that you are supposed to immediately deleverage once the target is reached. I would definitely disagree and ignore that if even if it did though. Questions out of curiosity: How were you able to reach this state so quickly after starting this only about two years ago? Either you were already pretty close or your target was really low. Either way, why did you even bother with this strategy and take on the risk just to n...
- Sun Oct 11, 2020 3:14 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks continue to soar!
- Replies: 22381
- Views: 2139851
Re: U.S. stocks continue to soar!
Yes, you can still see people using an abacus in Japan. It's most noticeable in general public when buying train tickets.
- Fri Oct 09, 2020 3:53 pm
- Forum: Personal Consumer Issues
- Topic: Best Apple Watch for Jogging & Podcasts
- Replies: 26
- Views: 2782
Re: Best Apple Watch for Jogging & Podcasts
Another recommendation for the Garmin.
Just make sure you get one with the Music feature of that isn't standard now.
If really into running, try looking at the 645 model. The extra running-specific features might be worth something to you.
Great thing about these watches is the display isn't nearly as nice as a proper smart watch, which means the battery lasts over a week (just under a week if you keep Bluetooth enabled 100% of the time).
Just make sure you get one with the Music feature of that isn't standard now.
If really into running, try looking at the 645 model. The extra running-specific features might be worth something to you.
Great thing about these watches is the display isn't nearly as nice as a proper smart watch, which means the battery lasts over a week (just under a week if you keep Bluetooth enabled 100% of the time).
- Tue Oct 06, 2020 2:24 pm
- Forum: Personal Investments
- Topic: Applying a bit of Leverage in Roth IRA as an early accumulator
- Replies: 17
- Views: 2375
Re: Applying a bit of Leverage in Roth IRA as an early accumulator
The PSLDX and NTSX are great suggestions. I have both of these funds in my portfolio. However, neither gives leverage to equities.
I wouldn't use Roth space for NTSX either.
I think your proposal is good if looking at only the one account. As you are only planning to do 1.5x in one small account, I don't see any reason to decrease leverage further when you get a mortgage.
If your total portfolio is 100k, then the one MES contact gets you only to about 1.15x equity exposure at current notional value.
If lifecycle investing is really something you believe in, and you are willing to put in the effort to manage it and accept the risk, why implement only a 1.15x strategy?
I wouldn't use Roth space for NTSX either.
I think your proposal is good if looking at only the one account. As you are only planning to do 1.5x in one small account, I don't see any reason to decrease leverage further when you get a mortgage.
If your total portfolio is 100k, then the one MES contact gets you only to about 1.15x equity exposure at current notional value.
If lifecycle investing is really something you believe in, and you are willing to put in the effort to manage it and accept the risk, why implement only a 1.15x strategy?
- Thu Sep 10, 2020 7:10 pm
- Forum: Personal Investments
- Topic: Tracking Portfolio Against SP500
- Replies: 10
- Views: 978
Re: Tracking Portfolio Against SP500
I did also spend some time a few days ago to set up the spreadsheet found on the Calculating personal returns wiki page. The reason I want to track against the SP500 is because I am doing a few different things. Also, I do intend to track longer periods of time as I keep investing/trading and have the data. Most of these non-standard strategies were just started recently, so I simply don't have much data yet. 1. I started saving in 2016 just following the standard 2-fund portfolio (100% stocks: 70% US, 30% Int'l) via Fidelity funds. 2. I started the Hedgefundie Adventure this time last year using my Roth IRA. This represents 12% of total portfolio. 3. At the beginning of this year in wife's Roth and Trad. IRA, I replaced all Fidelity funds ...
- Thu Sep 10, 2020 6:58 pm
- Forum: Personal Investments
- Topic: Tracking Portfolio Against SP500
- Replies: 10
- Views: 978
Re: Tracking Portfolio Against SP500
I have been and still use Personal Capital.corp_sharecropper wrote: ↑Wed Sep 09, 2020 8:24 pm Just find a site, like morningstar (among others, many others), that let's you import your portfolio. Then track your total returns, assuming you're reinvesting dividends, versus SPX total returns. Or are you saying you 100% need/want this in your own personal spreadsheet?
I noticed that the You Index number under Market Movers on the Overview page is ALWAYS wrong and ALWAYS too low vs actual results.
That is what got me started thinking to just track things myself.
- Thu Sep 10, 2020 6:55 pm
- Forum: Personal Investments
- Topic: Tracking Portfolio Against SP500
- Replies: 10
- Views: 978
Re: Tracking Portfolio Against SP500
Thanks for the mention of the chain index!
I tried to Google more about this, but I wasn't able to find relevant hits.
Does this look like it is set up right?
Formula is =(1+c3)*(1+c4), etc. and (1+d3)*(1+d4), etc.
I tried to Google more about this, but I wasn't able to find relevant hits.
Does this look like it is set up right?
Formula is =(1+c3)*(1+c4), etc. and (1+d3)*(1+d4), etc.
- Wed Sep 09, 2020 8:01 pm
- Forum: Personal Investments
- Topic: Tracking Portfolio Against SP500
- Replies: 10
- Views: 978
Tracking Portfolio Against SP500
So, I want to track my total portfolio performance against SP500.
I set up a simple 3-column tab in a google sheet and created a simple chart showing daily change in percentage.
So, like on Sep. 3, I was down 5.68% vs 3.51% for SP500.
I was down a little more than SP500 the next 2 days as well.
Then, today, I am up 3.97% vs 2.01% for SP500.
So, just looking at this chart, it seems like I am already beating SP500 again,
but I don't think this is true because I lost more those 4 days (-5.68%, -1.87%, -3.48% vs -3.51%, -0.81%, -2.78%)
What I want to track is my actual performance against SP500 to see if I am beating it or losing against it.
I think what I have set up is much too simplistic. How can I do what I want to do?
I set up a simple 3-column tab in a google sheet and created a simple chart showing daily change in percentage.
So, like on Sep. 3, I was down 5.68% vs 3.51% for SP500.
I was down a little more than SP500 the next 2 days as well.
Then, today, I am up 3.97% vs 2.01% for SP500.
So, just looking at this chart, it seems like I am already beating SP500 again,
but I don't think this is true because I lost more those 4 days (-5.68%, -1.87%, -3.48% vs -3.51%, -0.81%, -2.78%)
What I want to track is my actual performance against SP500 to see if I am beating it or losing against it.
I think what I have set up is much too simplistic. How can I do what I want to do?
- Thu Sep 03, 2020 2:59 pm
- Forum: Personal Consumer Issues
- Topic: To Join a Gym or Not After 70? Type of Gym? Are Fitness Goals Achievable?
- Replies: 70
- Views: 5668
Re: To Join a Gym or Not After 70? Type of Gym? Are Fitness Goals Achievable?
I agree with getting a proper strength coach.
There are a couple of guys who are actual doctors who happen to also be really into powerlifting, and they have formed a business I educating the public and providing coaching.
I actually stated a private coaching program with them a few months ago because I have some old injuries and want to be careful about getting back into strength training.
Highly recommended!!!
www.barbellmedicine.com
There are a couple of guys who are actual doctors who happen to also be really into powerlifting, and they have formed a business I educating the public and providing coaching.
I actually stated a private coaching program with them a few months ago because I have some old injuries and want to be careful about getting back into strength training.
Highly recommended!!!
www.barbellmedicine.com
- Thu Sep 03, 2020 2:47 pm
- Forum: Personal Finance (Not Investing)
- Topic: Where are you finding refinance rate of <2.5%?
- Replies: 26
- Views: 5289
Re: Where are you finding refinance rate of <2.5%?
I just closed a month ago with Keystone, a local lender in DFW area.
Loan of 187k, 15-year @ 2.375.
They gave me a credit and waived appraisal, but I still had to pay some closing costs, which was around 2500.
http://www.mykeystoneloan.com/
If you are interested, PM and I'll give you the name and contact of the particular guy I was working with. He has been very responsive and quick in action.
Loan of 187k, 15-year @ 2.375.
They gave me a credit and waived appraisal, but I still had to pay some closing costs, which was around 2500.
http://www.mykeystoneloan.com/
If you are interested, PM and I'll give you the name and contact of the particular guy I was working with. He has been very responsive and quick in action.
- Sat Aug 29, 2020 4:41 pm
- Forum: Personal Consumer Issues
- Topic: Thinking of buying used Lexus LX 570. Any thoughts?
- Replies: 14
- Views: 3763
- Sat Aug 29, 2020 4:41 pm
- Forum: Personal Consumer Issues
- Topic: Thinking of buying used Lexus LX 570. Any thoughts?
- Replies: 14
- Views: 3763
Re: Thinking of buying used Lexus LX 570. Any thoughts?
I think the really key thing is do you want a real truck or a car-like experience?
My wife definitely preferred the interior and tech of the newest RX, but she really liked the ride and experience of the GX as well as the smoothness of the V8.
We went with a 2019 GX and love it despite the 10-year old interior.
My wife definitely preferred the interior and tech of the newest RX, but she really liked the ride and experience of the GX as well as the smoothness of the V8.
We went with a 2019 GX and love it despite the 10-year old interior.
- Sat Aug 22, 2020 4:11 pm
- Forum: Personal Consumer Issues
- Topic: Best Earbuds with Microphone
- Replies: 40
- Views: 2805
Re: Best Earbuds with Microphone
https://www.jabra.com/bluetooth-headset ... -elite-65t
I initially bought these for exercising. Didn't need something with a mic at the time, but found they work really great for that purpose.
They also have a feature in which you can allow some outside noise in case you still need to listen for things in your immediate surroundings.
Case is also an extra battery, so the set keeps the buds charged for a long time. I think I charge the case once every 10 days or so.
They can connect to two devices simultaneously as well.
Sound quality is pretty good, too. That, being wireless, and water resistant were the original reasons I bought them.
Newer model is now available.
I initially bought these for exercising. Didn't need something with a mic at the time, but found they work really great for that purpose.
They also have a feature in which you can allow some outside noise in case you still need to listen for things in your immediate surroundings.
Case is also an extra battery, so the set keeps the buds charged for a long time. I think I charge the case once every 10 days or so.
They can connect to two devices simultaneously as well.
Sound quality is pretty good, too. That, being wireless, and water resistant were the original reasons I bought them.
Newer model is now available.
- Sat Aug 15, 2020 4:55 pm
- Forum: Personal Finance (Not Investing)
- Topic: Too much cash is making me panic
- Replies: 29
- Views: 4982
Re: Too much cash is making me panic
I was recently in the same situation. I was also ok with it in savings at 2% , but I feel like having a bunch of cash sitting around not working for me is extremely inefficient and thus unacceptable. I know this won't have much favor here, but what I decided to do was park the cash in my taxable account, keep it as cash, but use it as margin for ES and ZN futures (SP500 and 10-year treasuries) just to get a little more exposure at 1.5:1 leverage on the equity side. This means that significantly more cash than what is needed for margin requirements is in there. Half of it is actually just cash and half is in a cash-equivalent fund (I went with ICSH). Is it risky? At first glance, it's riskier than unleveraged, but: 1. ZN is simply there for ...
- Fri Aug 14, 2020 3:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: Solo 401K: Rehash
- Replies: 21
- Views: 1039
Re: Solo 401K: Rehash
I've been happy with Fidelity.
You do have to mail checks or visit a branch to make contributions.
However, their service is great, and the people in that department definitely know their stuff and are pretty easy to actually get a hold of. People in branches are clueless though, so don't take their word on anything, especially if it contradicts what someone in the dedicated department says.
You do have to mail checks or visit a branch to make contributions.
However, their service is great, and the people in that department definitely know their stuff and are pretty easy to actually get a hold of. People in branches are clueless though, so don't take their word on anything, especially if it contradicts what someone in the dedicated department says.
- Fri Aug 14, 2020 3:27 pm
- Forum: Personal Investments
- Topic: VTI and VTSAX
- Replies: 14
- Views: 1822
Re: VTI and VTSAX
I also went with ITOT and IXUS in taxable.
I googled this topic last year when I first opened it, and actually found a thread on here where some people discovered that ITOT is even more tax efficient than VTI/VTSAX.
It's not a huge difference, but that made the decision easier for me.
I googled this topic last year when I first opened it, and actually found a thread on here where some people discovered that ITOT is even more tax efficient than VTI/VTSAX.
It's not a huge difference, but that made the decision easier for me.
- Thu Aug 13, 2020 2:52 pm
- Forum: Personal Consumer Issues
- Topic: Barbells
- Replies: 65
- Views: 6929
Re: Barbells
7 gauge, 3x5 uprights!!! That's some beefy equipment!OldBallCoach wrote: ↑Thu Aug 13, 2020 2:44 pm www.rogersathletic.com . They have everything that we use in college football and the NFL...they can take care of you.
Unfortunately, that equals serious overkill, space requirements, and MASSIVE cost for a home gym.
I bet just a basic rack is around 10k.
- Thu Aug 13, 2020 2:42 pm
- Forum: Personal Consumer Issues
- Topic: Barbells
- Replies: 65
- Views: 6929
Re: Barbells
Buyer beware on Titan products.
Texas power bars are at least taking orders, but it will still take a while.
I'm waiting for Rep fitness stainless steel power bar to come back in stock.
Most popular and well known would be Rogue Fitness and their Ohio bars. You can get an app or something that lets you know when they have stock again. You have to jump on it immediately to have a chance.
Vulcan strength and Fray fitness are also other decent brands.
Just throwing it out there, Uesaka has stock because they are expensive and fairly unknown despite being one of the few brands used in/certified for professional competitions.
Texas power bars are at least taking orders, but it will still take a while.
I'm waiting for Rep fitness stainless steel power bar to come back in stock.
Most popular and well known would be Rogue Fitness and their Ohio bars. You can get an app or something that lets you know when they have stock again. You have to jump on it immediately to have a chance.
Vulcan strength and Fray fitness are also other decent brands.
Just throwing it out there, Uesaka has stock because they are expensive and fairly unknown despite being one of the few brands used in/certified for professional competitions.
- Sun Aug 09, 2020 8:45 pm
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 14360
- Views: 1989905
- Sat Aug 08, 2020 8:29 pm
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 14360
- Views: 1989905
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
Maybe because it is a custom benchmark I created? Or because you have to have a proper account?tomphilly wrote: ↑Sat Aug 08, 2020 4:51 am
I don't see a comparison to HFEA in that PV. It clearly won over HFEA in my comparisons, though I used a 66/34 ratio, downside volatility only and trade execution at next close. It even narrowly outperformed HFEA with the out of market asset as cash, which makes the strategy suitable for alternative volatility hedges, which is what I was interested in. The main drawback I see is when the allocation flips during high volatility periods, it will be harder to avoid tax events.
I am not sure how that works, so I will just paste a screenshot.
- Sat Aug 08, 2020 4:34 pm
- Forum: Personal Finance (Not Investing)
- Topic: Refinance Mega Thread
- Replies: 12862
- Views: 1277329
Re: Refinance Mega Thread
Which lender?nptit wrote: ↑Fri Aug 07, 2020 8:31 pm Just got a quote from a local lender(TX), here are the details:
- 30 yrs fixed rate @2.625% no cost
- 3700 credits are given to cover all the cost
- loan remaining amount 440K
current mortgage
- 15 yrs fixed rate @2.875%
- loan starts at 469K
My ideal target rate is 2.5%, worth to wait for a bit?
I would just start the process with the agreement of a rate adjustment of rates are lower by the time you close.
- Sat Aug 08, 2020 2:00 am
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 14360
- Views: 1989905
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
So, I set up market volatility as willthrill has been describing.
I also created the standard 55/45 HFEA as a benchmark.
Target Volatility vs Standard HFEA
Based on this, what's the point?
I also created the standard 55/45 HFEA as a benchmark.
Target Volatility vs Standard HFEA
Based on this, what's the point?
- Sun Aug 02, 2020 2:03 am
- Forum: Personal Investments
- Topic: What to do with Solo401K?
- Replies: 13
- Views: 1412
Re: What to do with Solo401K?
Hi djeayzonne My husband and I are trying to figure out the similar ins and outs of solo 401K. . Does my business hire him so that he can transfer his old employee 401k etc into a Solo 401k. A couple of things our CPA mentioned and I have not confirmed elsewhere but will look into more before making a decision. I thought these may be helpful considerations in your decision too. 1) The company doesnt have to show a profit in order to open the Solo 401K. 2) For us its not so much about the tax deferred gain we would get but the ability to leverage the money once in an account such as this vs a self-directed tIRA or ROTH IRA and doing real estate within the account. Leverage being ability to have mortgages, sellers seller finance etc. In addi...
- Sat Aug 01, 2020 5:19 am
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 14360
- Views: 1989905
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
I would really like to know how people are actually implementing the adaptive allocation method.
Including the theory on why you are using the specific signals you are as well as what tools and how they are actually set up.
Including the theory on why you are using the specific signals you are as well as what tools and how they are actually set up.
- Thu Jul 30, 2020 9:29 pm
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 14360
- Views: 1989905
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
Ok, just looked that up.RocketShipTech wrote: ↑Thu Jul 30, 2020 9:13 pmReverse splitsdjeayzonne wrote: ↑Thu Jul 30, 2020 8:33 pm How is this shorting strategy really actionable at this point?
SQQQ started at something like 20,000 and is now 6 or so.
There isn't much room left to 0.
Sorry if this is a really elementary/simpleton question.
SQQQ has already had 4 of these.
So, why does this fund still exist and how much longer can it continue to exist even utilizing reverse splits?
- Thu Jul 30, 2020 8:33 pm
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 14360
- Views: 1989905
- Thu Jul 30, 2020 8:33 pm
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 14360
- Views: 1989905
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
How is this shorting strategy really actionable at this point?
SQQQ started at something like 20,000 and is now 6 or so.
There isn't much room left to 0.
Sorry if this is a really elementary/simpleton question.
SQQQ started at something like 20,000 and is now 6 or so.
There isn't much room left to 0.
Sorry if this is a really elementary/simpleton question.
- Thu Jul 30, 2020 8:04 pm
- Forum: Personal Investments
- Topic: What to do with Solo401K?
- Replies: 13
- Views: 1412
Re: What to do with Solo401K?
Yeah, so I am only making about 25-30 K gross with the business as a side business now. So, just to repeat what I said in the first post, I could just stop using all the tax deductions I normally use. Those tax deductions typically come to just about the same amount of 25-30 K. If I continue to use those deductions, I will not show a profit. (for 2019, I actually had a loss, which helped reduce my taxes on the W2 side; I just do sole-proprietor, so everything is just pass-through). Another option I have, which is a bit shady, but works in the governments favor: All of my clients are actually based overseas, and I am paid in foreign currency to my local account there. As such, I do not receive 1099 forms, and so the business income is just r...
- Thu Jul 30, 2020 4:10 pm
- Forum: Personal Investments
- Topic: What to do with Solo401K?
- Replies: 13
- Views: 1412
Re: What to do with Solo401K?
Yikes, is my question/scenario difficult or just stupid?
If the former, I would appreciate a referral to a competent CPA!
If the former, I would appreciate a referral to a competent CPA!