Search found 801 matches

by ohai
Mon Jul 22, 2019 1:14 am
Forum: Personal Consumer Issues
Topic: 2019 Honda Fit - Anyone experiencing horrific whistling sound when front windows open >45mph?
Replies: 14
Views: 658

Re: 2019 Honda Fit - Anyone experiencing horrific whistling sound when front windows open >45mph?

JoinToday wrote:
Sun Jul 21, 2019 6:00 pm
Trism wrote:
Sun Jul 21, 2019 5:52 pm
How did you get a Honda Fit up to 45 mph? :P
More importantly, why are you (OP, not Trism) driving 45 mph with your window open?
Yeah, this bothered me the most, to be honest.
by ohai
Mon Jul 22, 2019 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house - bay area
Replies: 6
Views: 505

Re: Buying a house - bay area

30y would be better in terms of risk management compared to 15y, since you have flexibility in payment schedules. You can always pay 30y down faster if you want, but you can't pay less for 15y. Furthermore, 30y gives you more freedom to invest in other things early on, which, in my opinion, outweigh...
by ohai
Sun Jul 21, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Acura RDX vs Audi Q5
Replies: 33
Views: 2203

Re: Acura RDX vs Audi Q5

Reliability and running cost are not the same. Even if Audi has the same or fewer problems than RDX, parts and labor for Audi tends to be quite a bit more expensive. Routine maintenance is also more expensive for Audi. Additionally, there is usually a difference in 1-5 year reliability and say 5-10 ...
by ohai
Sun Jul 21, 2019 11:07 am
Forum: Investing - Theory, News & General
Topic: Low volatility and minimum volatility (variance) - what are the differences?
Replies: 5
Views: 299

Re: Low volatility and minimum volatility (variance) - what are the differences?

Do you have any examples? Those are very generic terms and can mean a lot of things. Low volatility is probably just a selection of stocks which have had the lowest realized volatility over the past period. Minimum variance is probably an optimization routine that solves for portfolio weights of som...
by ohai
Sun Jul 21, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: MBA worth it?
Replies: 39
Views: 2502

Re: MBA worth it?

Even the best MBA might cost millions of dollars for some candidates. Many people who are considering Harvard Stanford types of schools already have substantial career achievement and have high salaries. If you already entered banking or something from college, you might be making $500k a year after...
by ohai
Sun Jul 21, 2019 12:28 am
Forum: Personal Investments
Topic: Wealthfront cash account 2.57% APY
Replies: 11
Views: 980

Re: Wealthfront cash account 2.57% APY

You just said that the accounts are FDIC insured. So, I don't see why it is less safe than other places.
by ohai
Fri Jul 19, 2019 2:20 pm
Forum: Personal Investments
Topic: brokerage account from bank?
Replies: 6
Views: 374

Re: brokerage account from bank?

Is it normal to have a $75 fee on accounts like this? As far as I know, none of my mutual fund or brokerage accounts charge a yearly fee like this. They should reward you for letting them hold onto your money. "I don't pay any other fees on the funds I have in the brokerage account until I go to sel...
by ohai
Fri Jul 19, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: Greece...needed vaccinations?
Replies: 11
Views: 893

Re: Greece...needed vaccinations?

I don' think you need any vaccinations for Greece, other than what you would already have in the US.
by ohai
Fri Jul 19, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Trash Bags for Luggage
Replies: 10
Views: 730

Re: Trash Bags for Luggage

I find that it is cheaper to smuggle children in checked luggage, rather than buy plane tickets for them. You have to pay a small bribe to the baggage handlers to ignore the x-ray scan, but it still saves money overall.
by ohai
Thu Jul 18, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Why Personal Finance is not taught in Schools in the US
Replies: 59
Views: 2540

Re: Why Personal Finance is not taught in Schools in the US

There should definitely be a personal finance curriculum in schools - maybe not by itself, but as part as a "life skills package" - including topics like basic carpentry, sewing, cooking, and so on. I didn't go to school in the US. So maybe this exists here, maybe it doesn't. I don't know. The fact ...
by ohai
Thu Jul 18, 2019 10:18 am
Forum: Personal Investments
Topic: Where to put International ETF
Replies: 7
Views: 377

Re: Where to put International ETF

Is this a question about tax efficiency? If so, most people will tell you it's better to do it in your tax deferred account to avoid realizing a capital gain. Also, ex-US stocks have a slightly higher dividend yield than US stocks. So, maybe this matters if you don't want to pay the dividend tax.
by ohai
Thu Jul 18, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: wine in cans
Replies: 16
Views: 975

Re: wine in cans

This sounds like a party novelty product. I don't have anything against wine in cans or in boxes, but as you mentioned, portion control is difficult. You'd have to pour the remaining can wine into another container to save it, which defeats the purpose of having a special wine can. Most people proba...
by ohai
Thu Jul 18, 2019 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 194
Views: 10910

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

OP, you are asking about populations in general, or for the same worker with the same skills? If you are asking about the populations in general, then yes, HCOL areas will have higher net worths. First, there are more people in highly paid professions (lawyer, bankers, etc.) in expensive areas. Seco...
by ohai
Thu Jul 18, 2019 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Buying a home; Very HCOL Area
Replies: 40
Views: 3617

Re: Buying a home; Very HCOL Area

I recommend to set the tax rate low on the NY Times calculator though, as I think they are still assuming full deduction of real estate taxes.
by ohai
Wed Jul 17, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Take the cash or the free dinner?
Replies: 67
Views: 5517

Re: Take the cash or the free dinner?

I got paid $400 to participate in Vanguard's focus group about online stuff. You like their website? It was pretty long though, like 3 hours.
by ohai
Wed Jul 17, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Apple Watch Worth The $$$?
Replies: 41
Views: 3355

Re: Apple Watch Worth The $$$?

For me, no, since the main use I have for smart watches has been exercise/health monitoring and there are many cheaper options compared to Apple Watch. However, if you like some of the other functions specific to Apple, then maybe the $200 or so is worth it to you.
by ohai
Wed Jul 17, 2019 1:04 pm
Forum: Personal Investments
Topic: Bond choices, risk vs yield
Replies: 21
Views: 1698

Re: Bond choices, risk vs yield

If you believe risk is efficiently priced, then increasing credit risk in your bond portfolio should have similar effects to increasing stock exposure. However, if you're indifferent, you should probably choose stocks over those bonds, since dividends and capital gains are generally more tax efficie...
by ohai
Wed Jul 17, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Would you pay that much for parking?
Replies: 26
Views: 1839

Re: Would you pay that much for parking?

What? Those costs are trivial and I don't see why you wouldn't pick the still cheap, better option.

Parking in my building is $600 a month, although we do have ok public transport at least.
by ohai
Tue Jul 16, 2019 8:25 pm
Forum: Investing - Theory, News & General
Topic: Will you buy Total Bond with a negative yield?
Replies: 73
Views: 6314

Re: Will you buy Total Bond with a negative yield?

Rates are all relative. If your Swiss bank savings account is yielding -0.5%, then maybe you'd happily accept a bond yielding -0.1%. Unless you pull out cash or move everything to stocks. Will everybody be willing to do that as they see their stocks dropping double digits every month? It is easy to...
by ohai
Tue Jul 16, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: New family car and safety considerations
Replies: 46
Views: 2499

Re: New family car and safety considerations

More importantly, Odyssey is a larger, more spacious, more comfortable vehicle than the RAV4. It has an intercom for back seat passengers and its own vaccum in the trunk. The captain chairs in the second row are like airline seats. These are the every day features that you consider when justifying t...
by ohai
Tue Jul 16, 2019 2:39 pm
Forum: Investing - Theory, News & General
Topic: Will you buy Total Bond with a negative yield?
Replies: 73
Views: 6314

Re: Will you buy Total Bond with a negative yield?

Rates are all relative. If your Swiss bank savings account is yielding -0.5%, then maybe you'd happily accept a bond yielding -0.1%.
by ohai
Tue Jul 16, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Buying a home; Very HCOL Area
Replies: 40
Views: 3617

Re: Buying a home; Very HCOL Area

The risk of buying a home in a VHCOL area vs. a LCOL area is somewhat mitigated by the ability to sell the property in a timely manner and usually at a profit. Over buying is riskier if you need to sell your home fast in a LCOL area due to lack of buyers. I would be cautious about using that sort o...
by ohai
Tue Jul 16, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 39
Views: 3534

Re: New Subaru Outback Engine Offering for 2020

I don't know about any head gasket issue, but it's pretty incredible that Subaru has been selling cars with a 3.6l V6 until now. Buyers have had a choice between a weak 4 cylinder and an old 6 cylinder engine that has the same mpg as a Honda Pilot. I don't know why they haven't just licensed some o...
by ohai
Tue Jul 16, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 39
Views: 3534

Re: New Subaru Outback Engine Offering for 2020

I think more power eliminates the undesirable driving feel of a CVT. With a weak engine, you feel the powertrain struggle and drone under acceleration. If you have excessive power, it feels like your engine is always in the sweet spot. If you like a transmission with a broad torque curve in each gea...
by ohai
Tue Jul 16, 2019 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Buying a home; Very HCOL Area
Replies: 40
Views: 3617

Re: Buying a home; Very HCOL Area

Perspective: In my area, you are spending 400K for a "fixer upper". For half a million, you're buying something you'll need to do work on. 600K is where "move in ready" becomes somewhat realistic That isn't VHCOL. Indeed. Very High Cost to me, means $1 million or more for a 1000 sf 2br house at lea...
by ohai
Tue Jul 16, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: New family car and safety considerations
Replies: 46
Views: 2499

Re: New family car and safety considerations

Jeep has possibly the worst crash rating of all modern cars in its size.

https://www.caranddriver.com/news/a2541 ... rash-test/
by ohai
Tue Jul 16, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 39
Views: 3534

Re: New Subaru Outback Engine Offering for 2020

I don't know about any head gasket issue, but it's pretty incredible that Subaru has been selling cars with a 3.6l V6 until now. Buyers have had a choice between a weak 4 cylinder and an old 6 cylinder engine that has the same mpg as a Honda Pilot. I don't know why they haven't just licensed some ot...
by ohai
Tue Jul 16, 2019 12:35 am
Forum: Personal Investments
Topic: Should I start indexing NOW in current Market?
Replies: 26
Views: 3190

Re: Should I start indexing NOW in current Market?

Do these "job funds" give you 7% guaranteed return? If so, and if these are tax deferred, you could even get away with putting all your savings in those funds, or at least the maximum that is allowed. These benefits are the reason why all the states are going bankrupt. So, it stands to reason that, ...
by ohai
Tue Jul 16, 2019 12:27 am
Forum: Personal Investments
Topic: Poor financial advisor performance
Replies: 71
Views: 3866

Re: Poor financial advisor performance

I think the overall portfolio seems pretty reasonable actually, even if it pretty complicated and has some funds that might have overlapping purposes. The expense ratios are ok - a couple are maybe 10bp higher than the cheapest funds, but that is not egregious. The asset allocation looks pretty rati...
by ohai
Mon Jul 15, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: Baking in the summertime?
Replies: 34
Views: 2348

Re: Baking in the summertime?

Maybe he is concerned that two high power appliances will overburden his wiring.
by ohai
Mon Jul 15, 2019 2:43 pm
Forum: Investing - Theory, News & General
Topic: From ex-dividend to distrubution where is my money?
Replies: 96
Views: 4576

Re: From ex-dividend to distrubution where is my money?

I think this is becoming a semantical argument. It is your money, you just don't get it until 8/1/2019. If you sell stock from Vanguard, they deposit your money in 2 days. It's still your money. If you have a car in the shop and they only release it to you after signing a paper, it's still your car....
by ohai
Mon Jul 15, 2019 2:33 pm
Forum: Investing - Theory, News & General
Topic: From ex-dividend to distrubution where is my money?
Replies: 96
Views: 4576

Re: From ex-dividend to distrubution where is my money?

SPY is the most popular S&P 500 ETF. Sure, it is not comparable to single companies in some ways, but where dividends are concerned, I don't see that is different. Both declare dividends and have some Record Date. Both have Payment Dates what are past their Record Dates. Both must pay dividends to s...
by ohai
Mon Jul 15, 2019 2:23 pm
Forum: Investing - Theory, News & General
Topic: How to generate normal random correlated variables in excel?
Replies: 8
Views: 510

Re: How to generate normal random correlated variables in excel?

I forget the exact formula, but there is a valid approach along the lines of what the guy ahead has proposed.
by ohai
Mon Jul 15, 2019 12:38 pm
Forum: Investing - Theory, News & General
Topic: From ex-dividend to distrubution where is my money?
Replies: 96
Views: 4576

Re: From ex-dividend to distrubution where is my money?

I don't understand what your question is. My question is where is my money from July 9th until August 1st. On July 9th my stock dropped by 1.1% because of dividedns, if I sell on that date I don't get my dividend money until August 1st. Where is my money for three weeks? I would say legally, it's n...
by ohai
Mon Jul 15, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 6935

Re: I think i can spend 30k on this vacation, but wife not sure

I think the concern with OP and his wife is not whether they can afford a $30k charge for something - obviously they can. It is what it would mean to normalize this kind of non essential expense. They are asking whether it generally makes sense to be the kind of people who blow $30k on a vacation, a...
by ohai
Mon Jul 15, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6846

Re: Tenant turned off all utilities advice please!!

On the other side, the client would also have to hire an attorney to fight you on a lot of these things. So, if it's a matter of $500 to $1000 for cleaning and you have their deposit, most likely, you can just do as you please...
by ohai
Mon Jul 15, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6846

Re: Tenant turned off all utilities advice please!!

They claimed to have notified the tenant generally that they were coming in that time (how clear they communicated this and whether the tenant responded is not clear to me). They also claim to have made a lot of noise and called the client; he did not pick up the phone; I guess he was "busy". I forg...
by ohai
Mon Jul 15, 2019 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6846

Re: Tenant turned off all utilities advice please!!

It's situations like this that make me glad that I'm not a landlord. Yeah, it's basically a job, not the same as buying funds or true passive investments. My previous boss owned some cheap buy high yielding rental building in California. He was asking if anyone wants to go accompany him to collect ...
by ohai
Mon Jul 15, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 137
Views: 13307

Re: House not appraising for amount we were offered!

I doubt this buyer would have given you an offer above ask on the same day as your listing if they had not already been researching houses in the area and were confident in their ability to pay for it. It sounds that they are motivated at the current level and will likely be able to pay a bit more i...
by ohai
Mon Jul 15, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6846

Re: Tenant turned off all utilities advice please!!

Isn't the security deposit created for exactly situations like this?
by ohai
Sat Jul 13, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: New family car and safety considerations
Replies: 46
Views: 2499

Re: New family car and safety considerations

I really doubt that there will be a tangible difference in safety between a new RAV4 or Odyssey. You'd be better off just getting the vehicle that suits you from a utility perspective. Either of them will be far safer than an old Bronco or Yaris.
by ohai
Sat Jul 13, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 6935

Re: I think i can spend 30k on this vacation, but wife not sure

I don't think you would have saved $5 million if you spent money on all things that you could "afford".
by ohai
Fri Jul 12, 2019 10:57 pm
Forum: Personal Investments
Topic: 28yr/200k Net Worth - Will I reach my short term goals?
Replies: 11
Views: 2057

Re: 28yr/200k Net Worth - Will I reach my short term goals?

Well, I think you should definitely take more risk... close to 100% equities. One of my regrets is that I did not fully use my capital to leverage into investments when I was young(er). I did not have the knowledge that I have today. Currently, I am 170% leveraged. I don't know how to say if you ar...
by ohai
Fri Jul 12, 2019 4:23 pm
Forum: Personal Investments
Topic: Advice for a College Grad Looking to Build Wealth
Replies: 31
Views: 1545

Re: Advice for a College Grad Looking to Build Wealth

OP, can you do anything to make more then $70k? Doubling your income will do more to increase your net worth than any kind of savings.
by ohai
Fri Jul 12, 2019 3:47 pm
Forum: Personal Investments
Topic: Refinance 30yr - 4.75%?
Replies: 35
Views: 2681

Re: Refinance 30yr - 4.75%?

1% is crazy. You should definitely refinance that sh.
by ohai
Fri Jul 12, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 2596

Re: Should I Buy a Motorcycle?

Wife worked in a hospital and all the organ donors were motorcyclists. Isn't there another way to get thrills? A relative of mine worked in a hospital and they always told people something to the effect of they should wear a good helmet because it gives a better chance their organs would be viable ...
by ohai
Fri Jul 12, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: priority of supporting parents vs saving for college
Replies: 54
Views: 3458

Re: priority of supporting parents vs saving for college

I would definitely pay for kids college first. Your old parents would probably also agree. There's basically no way to avoid paying the college fees somehow, other than changing to a cheaper school. If your kids take loans, it will burden them in the future. However, there are lots of ways to reduce...
by ohai
Fri Jul 12, 2019 2:11 pm
Forum: Personal Investments
Topic: 28yr/200k Net Worth - Will I reach my short term goals?
Replies: 11
Views: 2057

Re: 28yr/200k Net Worth - Will I reach my short term goals?

Well, I think you should definitely take more risk... close to 100% equities. One of my regrets is that I did not fully use my capital to leverage into investments when I was young(er). I did not have the knowledge that I have today. Currently, I am 170% leveraged. I don't know how to say if you are...
by ohai
Fri Jul 12, 2019 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: At What Age or Point in your Career did your investments start outweighing your regular paychecks?
Replies: 85
Views: 10961

Re: At What Age or Point in your Career did your investments start outweighing your regular paychecks?

I think more realistically, we should measure when your portolio is like 10x or 20x your wages, or something like that. Portfolio returns are highly variable. I bet a lot of people's investments were above wages in 2017, but not 2015 or 2018.
by ohai
Fri Jul 12, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 2596

Re: Should I Buy a Motorcycle?

Wife worked in a hospital and all the organ donors were motorcyclists. Isn't there another way to get thrills?