Search found 853 matches

by jminv
Mon Jun 17, 2019 3:27 am
Forum: Personal Investments
Topic: Short Term Capital Gains - Thoughts/Help
Replies: 2
Views: 315

Re: Short Term Capital Gains - Thoughts/Help

Use a costless collar then sell when gains become ltcg. You will have to evaluate whether it makes sense in your situation. https://www.acceleratedfi.com/real-world-options-example-how-mark-cuban-used-options-to-survive-the-dotcom-crash/ If you have other losses, sell them. Donate to charity. Opport...
by jminv
Sun Jun 16, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: Best way to teach my 4 year old to be fluent in Spanish?
Replies: 25
Views: 1866

Re: Best way to teach my 4 year old to be fluent in Spanish?

Spanish speaking nanny and/or Spanish speaking daycare. I’d go for daycare, actually. Spanish speaking kids force social interaction whereas with nanny she doesn’t have to talk to you all that much. Having the caretaker and kids speak Spanish is immersion. You need to keep it going for years. Fluenc...
by jminv
Sun Jun 16, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: For those who have a revenue generating website.
Replies: 29
Views: 2835

Re: For those who have a revenue generating website.

I would like to gain some first hand advice from anyone who currently has a revenue generating website. In general, I would like to hear about your experiences relating to the following: 1) Is this a reasonable DIY starter project or does it pretty much require the use of a professional design agen...
by jminv
Sun Jun 16, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Health insurance cost containment company
Replies: 20
Views: 1521

Re: Health insurance cost containment company

Are you/have you received reimbursement from somebody else who caused the accident? What is the background behind declining to provide the requested information? No, I fell off the bicycle by myself. There is no one else responsible. I did not receive extra reimbursement from anyone else who is res...
by jminv
Sat Jun 15, 2019 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home without income
Replies: 8
Views: 1325

Re: Buying a home without income

Prices are finally coming down, so we're looking to buy again. I retired last year and am living on my dividends and interest. We are pre-approved for the mortgage amount. Our assets are 4x the price of the place we want to buy after we put 60% down. We ran into an issue with the co-op board, in th...
by jminv
Fri Jun 14, 2019 6:34 pm
Forum: Personal Investments
Topic: PEMEX (Petróleos Mexicanos) Bonds --- investment grade --- nice yield
Replies: 9
Views: 846

Re: PEMEX (Petróleos Mexicanos) Bonds --- investment grade --- nice yield

I was sitting around today thinking that maybe there is a way that we can get a little better yield on the fixed income side. Our portfolio is roughly 2/3 cash/CDs/money market. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=281420&p=4551153#p4551153 PEMEX sparked my interest. A quasi-governm...
by jminv
Fri Jun 14, 2019 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 315
Views: 21530

Re: Selling home- Demanding Buyer (Repairs)

A take it or leave it approach to the latest counter is the best approach. At some point you do need to stop negotiating. A buyer should expect a working septic system but had it not failed, the buyer would have had a standard system. That’s what you should expect as a buyer. Upgrades should be on b...
by jminv
Thu Jun 13, 2019 5:18 am
Forum: Personal Consumer Issues
Topic: Renting a car in Europe across countries
Replies: 20
Views: 904

Re: Renting a car in Europe across countries

The fee is typically more than the rental but I checked some dates in August and the overall rental cost is not bad. Make sure you have IDP since it’s required in Austria. For Zell am See I would really recommend staying somewhere that offers the Summer Card (local attractions) as part of the hotel ...
by jminv
Wed Jun 12, 2019 3:50 am
Forum: Personal Finance (Not Investing)
Topic: Job opportunity - KSA/Bahrain
Replies: 66
Views: 5238

Re: Job opportunity - KSA/Bahrain

I would do it and not just because of the current offer on hand but what it can open up in the future. You’re less likely to get this sort of development stateside. I’m also coming at this as an expat that’s lived in much worse countries than Bahrain. It also sounds like you’d probably regret not do...
by jminv
Mon Jun 10, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Luxembourg--worth visiting?
Replies: 30
Views: 2144

Re: Luxembourg--worth visiting?

I have a very first world problem. I have been invited to visit Luxembourg on somewhat of a junket. But the trip would have to be short--like five days (including travel time). I live in the Midwest. When I was younger, the reason to go would have been to say I'd gone. Now, given how exhausting suc...
by jminv
Sun Jun 09, 2019 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer bonuses --- worth the hassle?
Replies: 13
Views: 1615

Re: Transfer bonuses --- worth the hassle?

$2500 for a million in transferred brokerage assets and often some amount of free trades too. $4000 at the two million mark is common. You will receive a 1099-MISC. Sometimes the bonuses exclude retirement accounts from being eligible. I think that it's worth doing if you don't mind the period where...
by jminv
Sun Jun 09, 2019 5:26 am
Forum: Personal Investments
Topic: 7% callable - Structured Investment/Note
Replies: 30
Views: 2422

Re: 7% callable - Structured Investment/Note

One of the advisor came to me with this investment opportunity. I would like to get some feedback/voices from experienced folks on this forum since I am new to all this. Thanks! A callable Yield Note Coupon: 7%p.a. coupon paid quarterly (1.75% per quarter) Equity Contingency: Based on the worst of ...
by jminv
Thu Jun 06, 2019 9:03 pm
Forum: Personal Investments
Topic: Chewy IPO
Replies: 43
Views: 3193

Re: Chewy IPO

Any thoughts on the Chewy IPO? It is expected to price between $17-$19 a share. The company has great customer service, low prices, huge inventory, and fast delivery. I don't know when it's going public. They’re a good place to buy animal food and are a subsidiary of petsmart. I’ve used them for aw...
by jminv
Thu Jun 06, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Working for the Airlines - Value of Free Travel
Replies: 62
Views: 4882

Re: Working for the Airlines - Value of Free Travel

Thanks for the replies everyone. I’d be working in the main hub, and there lots of flights to our main destination. We also just have one kiddo, and both DH and I travel solely with her from time to time. Like, the two of them will fly to main destination for the weekend, to visit his parents, at l...
by jminv
Thu Jun 06, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3654

Re: Does a big family need 2 big cars? Question for 3 kid+ families

That's why they have rental cars and they're not all that expensive (or loaner car if dealer offers it). Wouldn't you be getting a rental car anyway if you only had one car available since you have commute to work? Get the car you want to drive.
by jminv
Thu Jun 06, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 315
Views: 21530

Re: Selling home- Demanding Buyer (Repairs)

"IF they really wanted financing, why not start the appraisal - ALL of the financing - shortly after the offer was accepted? NOT after going back and forth about other issues, much later. And NOT when the deadline is looming such that many mortgage applications cannot be completed in time, etc." -R...
by jminv
Wed Jun 05, 2019 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Failed land investments and what to do with it?
Replies: 139
Views: 8961

Re: Failed land investments and what to do with it?

They're not lowball offers because you've listed before and received 0 offers. These are the only natural buyers for them so it's the market price. They'll then put the hard work into selling them to people like you a few years ago. Take the money and run. You're paying 100/lot/year in tax on pointl...
by jminv
Wed Jun 05, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Failed land investments and what to do with it?
Replies: 139
Views: 8961

Re: Low ball offer to buy my useless land, take it or leave it?

Have you ever made any effort to try and sell the land? If people keep making offers, maybe there's some value there that they know about and you don't. Yeah I have just been receiving low ball offers like these on and off in the past couple of years. I tried to list my land but nobody wanted to bu...
by jminv
Tue Jun 04, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Amazon free shipping, bait-and-switch?
Replies: 46
Views: 4264

Re: Amazon free shipping, bait-and-switch?

I tried it and it works fine. I even created a new account to check, still works fine. I checked it for 2 different los angeles addresses and got 5 shipping options, including the free one. Free is not the default choice. If you're doing 1 click then you need to change your settings too. Contact ama...
by jminv
Tue Jun 04, 2019 5:25 am
Forum: Investing - Theory, News & General
Topic: What is happening to Palladium?
Replies: 4
Views: 1191

Re: What is happening to Palladium?

It's just supply and demand. Mostly decreased South African supply caused by 1.) a decrease in demand for diesel catalysts (platinum) which disproportionately affects South Africa as platinum is main source of revenue while palladium is a byproduct and 2.) because the South African cost structure ha...
by jminv
Mon Jun 03, 2019 5:03 pm
Forum: Personal Investments
Topic: Is Investing in Roth IRA worth it?
Replies: 21
Views: 2199

Re: Is Investing in Roth IRA worth it?

No disrespect to this great community that I've been a part of for some years now. Yes, I know that it makes sense to do Roth IRA, in general. Yes, it's tax free growth. But how much and at what cost? Using the calculator here (https://www.bankrate.com/calculators/retirement/roth-ira-plan-calculato...
by jminv
Mon Jun 03, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Zillow house price estimate
Replies: 44
Views: 5993

Re: Value of Zillow house price estimate

I wonder what the actual Zillow‘s estimate value is for the house seller. My property was listed with a wrong footage and some other attributes were incorrect for many years and I didn’t pay attention. However as a result, the property is shown on the site below market I think I’m not sure if I hav...
by jminv
Sun Jun 02, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Should I buy Euros from local bank or use ATM in Europe
Replies: 37
Views: 2126

Re: Should I buy Euros from local bank or use ATM in Europe

Recently got euros from BofA in prep for trip. They informed me there was no “charges” as a result of my account level. What does no “charges” mean? My intent was just to take out 200 euros for walking around money upon arrival and first day. But if it really means no fees and bank exchange rate I ...
by jminv
Sun Jun 02, 2019 5:11 am
Forum: Personal Consumer Issues
Topic: Should I buy Euros from local bank or use ATM in Europe
Replies: 37
Views: 2126

Re: Should I buy Euros from local bank or use ATM in Europe

Use the ATM machines and a no foreign transaction fee debit card. Also have no foreign transaction fee credit cards to pay for as much as possible that way to earn rewards. Some regular bank ATMs are now offering a very sneaky dynamic conversion option when you take cash out that you should be aware...
by jminv
Sun Jun 02, 2019 5:03 am
Forum: Personal Consumer Issues
Topic: Santa Fe real estate
Replies: 64
Views: 4102

Re: Santa Fe real estate

Any NM locals here? Santa Fe is on our list for possible retirement destinations. Looking at real estate there, it seems like theres a ton of inventory and a ton of house sitting on the market for long periods of time with no price reductions, and prices are really high. What gives? Does nobody rea...
by jminv
Sat Jun 01, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: Thinking of leasing bmw 3 series
Replies: 56
Views: 4168

Re: Thinking of leasing bmw 3 series

I’ve driven my current 3 series for more than 12 years and am tired of maintenance and increasing repairs. Tired of the unreliability and outdated safety features. I’m in the market for a new car, preferably a low level luxury sedan. I can get a 3 series lease for 399/month and 4K down or so based ...
by jminv
Sat Jun 01, 2019 12:59 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9761

Re: How did you all do in the month of May, 2019

+6.5% or thereabouts from TLT (long treasury bonds).
by jminv
Sat Jun 01, 2019 10:11 am
Forum: Investing - Theory, News & General
Topic: How to short Deutsch Bund with current low rate?
Replies: 9
Views: 869

Re: How to short Deutsch Bund with current low rate?

The yield on Germany 10 yr government bond is now -0.18%, lowest in the world now and, almost at the multi-decade low reached previously on summer of 2016. I doubt there is enough room for further drop on that kind of low rate. I wonder if there is a good way to short it. In U.S. we can short Treas...
by jminv
Sat Jun 01, 2019 5:32 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 2024
Views: 149244

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

This is an interesting thread so let's try not to get it further derailed and consequently locked. But if we are talking about how this deviates most it's not the ER because that's more about leverage than anything, it's that the maximum drawdown would be intolerable for most people. They would bail...
by jminv
Fri May 31, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Italian traffic fine with U.S. debt collector
Replies: 60
Views: 4663

Re: Italian traffic fine with U.S. debt collector

Like the United States, I would assume having unpaid tickets would eventually lead to a warrant for your arrest and likely for you to be grabbed the second you get try to go through passport control. Not sure if you’ve ever been to Italy but the national pastime is scamming people (joking...well ma...
by jminv
Fri May 31, 2019 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Best Bank/Lender for 15 year fixed mortgage?
Replies: 15
Views: 1467

Re: Best Bank/Lender for 15 year fixed mortgage?

Check a few of the mortgage rate comparison sites (bankrate, NerdWallet, etc) and go with one of the lowest rate offers. It’s variable depending on how much down, credit score, location. I saw better.com had one of the lowest rates.
by jminv
Fri May 31, 2019 5:51 am
Forum: Investing - Theory, News & General
Topic: How to short Deutsch Bund with current low rate?
Replies: 9
Views: 869

Re: How to short Deutsch Bund with current low rate?

The yield on Germany 10 yr government bond is now -0.18%, lowest in the world now and, almost at the multi-decade low reached previously on summer of 2016. I doubt there is enough room for further drop on that kind of low rate. I wonder if there is a good way to short it. In U.S. we can short Treas...
by jminv
Wed May 29, 2019 8:02 pm
Forum: Investing - Theory, News & General
Topic: 6.15% for a 6 month CD!?
Replies: 16
Views: 11149

Re: 6.15% for a 6 month CD!?

They’re not primarily interested in selling you cds. They’re interested in what else they can sell you. Some percentage of people walk out the door buying something else or doing so at the 6 month mark. You get to listen to a long talk about all the wonderful investment and insurance products they c...
by jminv
Wed May 29, 2019 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Italian traffic fine with U.S. debt collector
Replies: 60
Views: 4663

Re: Italian traffic fine with U.S. debt collector

My mother, an attorney, asked me what to do. I simply said to her “do you plan on going back to Italy? If so we pay it, if not throw it in the trash.” I would offer the same advice to you. Why would it matter if one were ever going back to Italy? It’s basically a parking ticket, not like you would ...
by jminv
Tue May 28, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: What’s the best material for paving driveway?
Replies: 33
Views: 2304

Re: What’s the best material for paving driveway?

could do tar and chip. If it’s done right it can look better than asphalt (I don’t like the dark black of a newly sealed asphalt driveway and I also hate the cracking and resealing), it’s cheap, and doesn’t look bad like straight asphalt does when there’s cracking. I’ll second driveable grass drivew...
by jminv
Tue May 28, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 134
Views: 10324

Re: House not selling

1. As far as the initial price. The attitude of the realtor seems to be very laid back. he brought some comps and recommended we price it around 415-425, i deferred to him and he said 425 would be ok. Realtor doesn't know what he's doing. 2. He never mentioned repainting the house until we brought ...
by jminv
Mon May 27, 2019 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 134
Views: 10324

Re: House not selling

You overpriced your home and your realtor didn’t pushback because they wanted the listing. Now that you’ve recognized that pricing is a factor, you’re lowering it. That’s good. It doesn’t seem like there was much thought put into pricing. You have your anchor (which is irrelevant), which is what you...
by jminv
Mon May 27, 2019 6:39 am
Forum: Personal Consumer Issues
Topic: Need help with landline service
Replies: 8
Views: 769

Re: Need help with landline service

A few weeks ago I learned that when friends called us on our Comcast landline they got the message: "answering service not available". Because our phone hardware was several years old I figured I needed to upgrade. However, after buying a new AT&T landline 3 handset answering system, I just found o...
by jminv
Sun May 26, 2019 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 134
Views: 10324

Re: House not selling

Hello . We are Trying to sell our house. It has been on the market for close to three months. Its not in the hottest market, but other houses next to us in the same neighborhood are still selling. It’s a three-year old house. We have small kids and the walls were ruined but we repainted everything ...
by jminv
Sat May 25, 2019 7:10 am
Forum: Personal Finance (Not Investing)
Topic: 4M 70K expenses would you stop?
Replies: 105
Views: 10742

Re: 4M 70K expenses would you stop?

Stop what?

Stop working? I might if I wanted to stop working. If I enjoyed it or if it was what my life revolved around, I might not.

Stop saving? Yes, I probably would. I would start spending more of my earnings on things I wanted or that I enjoyed doing.
by jminv
Fri May 24, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Sending money to India.
Replies: 22
Views: 1716

Re: Sending money to India.

Looks like Xoom is cheapest for that currency pair and the amount.

You can compare rates at monito.
by jminv
Thu May 23, 2019 2:23 pm
Forum: Personal Investments
Topic: Frozen by uncertainty, really want to unfreeze
Replies: 34
Views: 3290

Re: Frozen by uncertainty, really want to unfreeze

Am I right in reading that it’s your wife making 67k/year as a NP? That’s really low. Is she working part time? If she is, an easy way to increase your income and pay down her student loan debt or save more is to work full time, don’t need to go back to school to do that. If it’s just where’s she’s ...
by jminv
Thu May 23, 2019 6:21 am
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 6709

Re: Is Tesla Going To Survive?

Yes, it will. If it doesn’t stay independent, it’ll be bought out by another car company or a tech company. Of course, this will likely require Elon Musk to leave the company which is why the apple offer in 2013 fell through (in today’s news).
by jminv
Thu May 23, 2019 6:11 am
Forum: Personal Investments
Topic: Price Improvement at Fidelity vs Vanguard vs Etrade
Replies: 11
Views: 736

Re: Price Improvement at Fidelity vs Vanguard vs Etrade

I plan to create a portfolio of ETFs. I've narrowed my choice of brokers down to Etrade, Fidelity, and Vanguard. It's easy to compare commissions between the three, but so far I've been unable to compare them on the basis of price improvement. Fidelity advertises their Price Improvement program (ht...
by jminv
Wed May 22, 2019 2:10 pm
Forum: Investing - Theory, News & General
Topic: Why not non traded REIT such as yield tree?
Replies: 25
Views: 1792

Re: Why not non traded REIT such as yield tree?

Okay, yield tree has been blasting advertisements on my computers and iphones and youtube videos. I know that people would criticize non Traded REIT as illiquid, but why do you even need liquidity if it is a good long term investment? John Bogle once quoted somebody that "liquidity is the last refu...
by jminv
Tue May 21, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Escrow issues with Fifth Third
Replies: 10
Views: 820

Re: Escrow issues with Fifth Third

I help an older relative compare home insurance prices annually. Tend to switch home insurance every year or two for savings. Relative switched insurer again this year as I found something that offered significant savings. It was an absolute disaster. First the mortgage servicer didn't pay the new c...
by jminv
Sun May 19, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 315
Views: 21530

Re: Selling Home: Demanding Buyer Part 2 (picture)

Your buyer had a very thorough home inspector judging by the two previous threads. He’s asking for everything Bad in the home inspection report to be repaired. I’ve dealt with this a few times before from the sellers side and it’s not uncommon. It can be irritating and often it’s silly little stuff....
by jminv
Sun May 19, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home in HK but MIL living in US
Replies: 4
Views: 490

Re: Sold Home in HK but MIL living in US

Use one of the money transfer comparison sites, such as monito, to evaluate the best deal for this currency pair and amount. I checked monito and finder for you assuming this 5,500,000 HKD - Currencies Direct is the best deal on those two sites, will convert to $698,984. The second best deal is xe w...
by jminv
Sun May 19, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 148
Views: 20689

Re: Trader Joe's Fans - good value?

My wife loves Trader Joe's so when we are in the states on vacation, we usually go. My take on TJ's is that they offer a lot of interesting products where you can't know exactly whether the price is good or not. This is because they're not exactly the same (or often quite different) as what's availa...
by jminv
Sat May 18, 2019 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 315
Views: 21530

Re: Selling home- Demanding Buyer (Repairs)

Thanks everyone. Very fair responses. Disagree though that 3 offers in 7 days is not a sign of high interest. And buyer has told my agent that he absolutely has to have the house. And since other buyers may be waiting in the background, a reason to not get pushed around too much during the inspecti...