Search found 553 matches

by ChinchillaWhiplash
Sun Nov 18, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: sell current home before buying new home?
Replies: 15
Views: 854

Re: sell current home before buying new home?

We bought a lot to build a house. Planned to sell the current house while it was being built. That was in 2008. Crash happened. We were stuck with 2 houses for years. Luckily able to rent the old home for most, but not for enough to cover all of mortgage payments and maintenance. I would sell 1st. T...
by ChinchillaWhiplash
Thu Nov 15, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 13
Views: 866

Re: Dealing with Jeep for warranty claims. Any tips?

So you took it to the dealer and didn't bother to tell them about the issue, but expected them to just pick up on it? Doesn't seem like the best plan. My tip seems like an obvious one to me, but I'd suggest taking it to the dealer and making them aware of the problem before the warranty runs out? :...
by ChinchillaWhiplash
Thu Nov 15, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 13
Views: 866

Re: Dealing with Jeep for warranty claims. Any tips?

No matter the outcome, I would recommend selling the vehicle. I would not want to have a Chrysler product after the warranty period ended. Agree, at first I thought oil analysis for metal contamination to determine the percentage, but then I thought, add that amount to your trade diff and move on. ...
by ChinchillaWhiplash
Thu Nov 15, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 13
Views: 866

Re: Dealing with Jeep for warranty claims. Any tips?

Yeah, looks like this vehicle is an overall lemon with 292 TSBs! 74 TSB is the average for any particular vehicle.
by ChinchillaWhiplash
Thu Nov 15, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 13
Views: 866

Re: Dealing with Jeep for warranty claims. Any tips?

Found that these engines, 3.2 L VVT 24 valve OHC, are prone to have problems with valve train. Ticking sound that mine is making is usually caused by defective rocker arm bearings. Usually causes excessive wear on the camshaft too. This should be an item covered under the 5 yr/100,000 power train wa...
by ChinchillaWhiplash
Thu Nov 15, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 13
Views: 866

Re: Dealing with Jeep for warranty claims. Any tips?

Would a good way of documenting be to video the ticking, show odometer reading, and the VIN? Would hope that would be adequate. I might try and contact the main company customer service as well. I had to do this with Infinity and they make it very difficult to find out how to contact them. Guess the...
by ChinchillaWhiplash
Wed Nov 14, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 13
Views: 866

Dealing with Jeep for warranty claims. Any tips?

Have 2015 Jeep Cherokee Trailhawk with loud ticking noise from engine. Sounds like valve train. I did an oil change one time and found metal flakes. Usually had the oil changed at a Ford/Nissan dealer for the life of the vehicle. Drivetrain warranty expires 5 years/100k miles. We are just over 95k a...
by ChinchillaWhiplash
Wed Nov 14, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Mercedes-Benz E350 4 matic. What years to look for?
Replies: 2
Views: 535

Mercedes-Benz E350 4 matic. What years to look for?

Interested in an E Class 350. Need to AWD. Will be used for commute of 110 miles a day 11-13 days a month. Hoping to buy a nice condition car with under 60k miles for around $20k. Was wondering if some years are better than others? Just need comfortable car that is dependable. Also considering Lexus...
by ChinchillaWhiplash
Tue Nov 06, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: Actively Managed Bond Funds
Replies: 24
Views: 1619

Re: Actively Managed Bond Funds

There are some actively managed bond funds that have outperformed TBM over a long period of time in total returns. Some have decent ER too. An example: USAIX income fund (intermediate bonds) ER = 0.49 vs. VBMFX. https://www.portfoliovisualizer.com/backtest-portfolio#analysisResults Plug them into li...
by ChinchillaWhiplash
Tue Nov 06, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Income in retirement?
Replies: 14
Views: 1934

Re: Income in retirement?

You might be able to do it with an international REIT fund like VNQI combined with a high yield short term bond fund like PGHY. It would be very risky, but if you just need the dividends and have enough invested in them, it could pay out what you need. Not that I would do this, but in theory, it cou...
by ChinchillaWhiplash
Sat Nov 03, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: WSJ: Sometimes, It’s Bonds For the Long Run
Replies: 72
Views: 5965

Re: WSJ: Sometimes, It’s Bonds For the Long Run

A prime example of how well bonds can do. Plug VFINX and VBMFX into PV for total return. Start at year 2000 before dot com crash. 100% of each and 60/40 mix. See what happens. 100% TBM crushes total returns up to about 2017 then TSM takes over. See how the mix ends up. I'm going with a mix of equiti...
by ChinchillaWhiplash
Fri Nov 02, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: Nationwide Maximum Diversification Core US Equity ETF MXDU?
Replies: 5
Views: 236

Re: Nationwide Maximum Diversification Core US Equity ETF MXDU?

HEDGEFUNDIE wrote:
Fri Nov 02, 2018 6:45 pm
You should read this thread and see if you agree with the concept of “diversification ratio”

viewtopic.php?t=251043
Thanks for the link. An interesting read for sure :wink:
by ChinchillaWhiplash
Fri Nov 02, 2018 7:03 pm
Forum: Investing - Theory, News & General
Topic: Nationwide Maximum Diversification Core US Equity ETF MXDU?
Replies: 5
Views: 236

Re: Nationwide Maximum Diversification Core US Equity ETF MXDU?

samsdad wrote:
Fri Nov 02, 2018 6:33 pm
Do you think it’ll beat VTI by .30% per year?
It might on average. Who knows? Time will tell. I'm sure it will do worse some years and might do better others.
by ChinchillaWhiplash
Fri Nov 02, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: Nationwide Maximum Diversification Core US Equity ETF MXDU?
Replies: 5
Views: 236

Nationwide Maximum Diversification Core US Equity ETF MXDU?

This would, I guess, be classified as an index fund. Based on an index created for low correlation? It has an ER = 0.34. Is pretty new and has no record, but seems like it could be a good idea. What do you think?
by ChinchillaWhiplash
Fri Nov 02, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Weight Training After 70
Replies: 33
Views: 2361

Re: Weight Training After 70

A physical therapist or sports medicine person might be best. They can see areas that you need work and recommend excercise that best fits your need with less chance of agravating or creating more injury. I had knee surgery and was non weight bearing for 4 months and lost a ton of muscle in that leg...
by ChinchillaWhiplash
Wed Oct 31, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1657

Re: Anybody use CenturyLink for internet service?

Have "high speed" DSL service. Never close to the advertised speed. Wasn't too bad for 1st few years but the last 2 have been bad. We are in a remote area of the country. But more people moving hear. Think there is bottle necking since it seems to get much slower on certain days and times. It also h...
by ChinchillaWhiplash
Tue Oct 30, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2656

Re: Luxury Sedans for around $25k used with lower miles? AWD?

How about Cadillac XTS? Lots for sale at $22-23.
by ChinchillaWhiplash
Tue Oct 30, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2656

Luxury Sedans for around $25k used with lower miles? AWD?

Looking for what brand a model of cars are available. Looking for luxury mid to large vehicles that will last for many miles without too much expensive maintenance. Will be used for commuting in SW CO, but not in bad weather (snow). Will be used in winter when roads might be snow packed, so thinking...
by ChinchillaWhiplash
Tue Oct 30, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4723

Re: Vehicle recommendations for long commutes in CO mountains

I think a lot depends on what type of snow too. We mostly get dry fluffy snow which is easier to get through with snow tires. The bad stuff is early or late season heavy slick wet stuff. A lot of times we might have to drive a mile or so before we get to the plowed roads. Main roads USUALLY get plow...
by ChinchillaWhiplash
Mon Oct 29, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Recommendations for A/T tire that also works well in snow
Replies: 8
Views: 441

Recommendations for A/T tire that also works well in snow

Looking for a specific brand and model of A/T tire that will work well in deep snow. Need good traction on rocky Jeep trails in summer, but can also handle up to 3' of snow in winter on regular roads. Noise on highway not a big concern. Just need good grip for SW CO mountain Jeep roads and to be abl...
by ChinchillaWhiplash
Sun Oct 28, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4723

Re: Vehicle recommendations for long commutes in CO mountains

Narrow dirt road is actually a 2 lane dirt county road. We have lots of county roads that are actually just Jeep trails that are one lane. We only drive on those in Summer to see mountain flowers etc. The road is about 8 miles and gets some maintenance, but gets very muddy in winter with large ruts ...
by ChinchillaWhiplash
Sat Oct 27, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4723

Re: Vehicle recommendations for long commutes in CO mountains

Here's one: ETA: I just realized it's down the street from me. Tempting! https://boulder.craigslist.org/ctd/d/2001-jeep-cherokee-sport-over/6712037740.html And another (although it's been personalized more than I'd like). https://denver.craigslist.org/cto/d/98-jeep-cherokee/6733263559.html Those ar...
by ChinchillaWhiplash
Sat Oct 27, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4723

Re: Vehicle recommendations for long commutes in CO mountains

We actually have a Crosstrek that our son drives. Have only got stuck once in 5 years so far. It is not the most luxurious vehicle though. We used to have an Infinity G37 X which was all wheel drive. Had a set of winter wheels and tires and it actually did fairly well, even with the low ground clear...
by ChinchillaWhiplash
Sat Oct 27, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4723

Vehicle recommendations for long commutes in CO mountains

Wanted to get some feedback on what specific vehicle might fit the bill for these driving conditions. 54 miles one way about 12-13 days a month. In Colorado where winters can be harsh. Have to drive to work in ALL conditions, no matter how bad. Drive on highway and narrow dirt back roads. Want comfo...
by ChinchillaWhiplash
Fri Oct 26, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: How tax refund rollover works?
Replies: 4
Views: 229

Re: How tax refund rollover works?

Your Nov and Dec withholdings are not changed. The amount rolled over to 2018 taxes is reported on the 1040 tax form for 2018. Sort of like another estimated payment. OP could adjust W4 to reduce withholdings though to reduce the duration of the loan they are providing the IRS. Yeah, our CPA didn't...
by ChinchillaWhiplash
Fri Oct 26, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: How tax refund rollover works?
Replies: 4
Views: 229

Re: How tax refund rollover works?

Your Nov and Dec withholdings are not changed. The amount rolled over to 2018 taxes is reported on the 1040 tax form for 2018. Sort of like another estimated payment. Ahhh, that makes sense. Thanks for the info. All of this was set up by our CPA, so was kind of clueless on how it actually works.
by ChinchillaWhiplash
Fri Oct 26, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3329

Re: Used 2016 Lexus GS 350: 40k miles too much?

More than likely, those are mostly highway miles. I would not worry too much about 40k.
by ChinchillaWhiplash
Fri Oct 26, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: How tax refund rollover works?
Replies: 4
Views: 229

How tax refund rollover works?

We filed our 2017 fed and state taxes after and extension and amendment. We got a big refund from funding our individual 401k on the employer side before the extension for 2017. We rolled part of that over to 2018 taxes. Never done this before and was wondering how this will work. I would assume tha...
by ChinchillaWhiplash
Tue Oct 23, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12253

Re: 'Smart money' bailing on the market, time to get out?

Didn't Mr. Bogle himself just say in his latest interview that it might be worth reducing your equities position by around 10%? He is definitly smart money :wink:
by ChinchillaWhiplash
Mon Oct 15, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: PSA: Colorado 529, Employers can contribute to employee and get a 20% tax credit
Replies: 0
Views: 166

PSA: Colorado 529, Employers can contribute to employee and get a 20% tax credit

This is good news. An Employer can contribute up to $2500 to an employee's 529 plan to receive a $500 credit. Anyone know if this will work for a S-corp? Might be a way to reduce QBI some more. Here is a link to the new program. https://www.collegeinvest.org/workingfamilies/
by ChinchillaWhiplash
Tue Oct 09, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3931

Re: How to get over paper loss?

Also remember that when your TSM fund is down the reinvested dividends will get you more shares too.
by ChinchillaWhiplash
Tue Oct 09, 2018 9:47 am
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3931

Re: How to get over paper loss?

Just look at a long term chart (5-10 years) and see that there are constant dips all along its way up. Your paper loss is one of those dips. Given some time, it will go up.
by ChinchillaWhiplash
Tue Oct 09, 2018 8:00 am
Forum: Investing - Theory, News & General
Topic: Emerging Market Bond Funds
Replies: 47
Views: 2902

Re: Emerging Market Bond Funds

I hold some actively managed CEF TEI. Has a good track record, selling at a large discount, pays enough dividend to justify the risk. I think it is worth paying a higher ER for an asset class such as this and active management can give it an edge.
by ChinchillaWhiplash
Mon Oct 08, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Investment grade bonds now made up of 50% BBB rated
Replies: 26
Views: 2802

Re: Total Bond Market fund not what it used to be

Probably correct that it is best to just ignore and carry on. Hopefully TBM will remain a solid investment during a down turn with decent yields.
by ChinchillaWhiplash
Mon Oct 08, 2018 8:43 am
Forum: Investing - Theory, News & General
Topic: Investment grade bonds now made up of 50% BBB rated
Replies: 26
Views: 2802

Investment grade bonds now made up of 50% BBB rated

Just read an article saying that 50% of investment grade US bonds in the Barclays index are now made up of BBB rated bonds. I would gather that in a recession this would be pretty bad for the bond fund's performance. Might it be a good time to invest in some other form of bond/fixed income and not r...
by ChinchillaWhiplash
Fri Oct 05, 2018 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Whew! Stock market is no longer at all-time highs, so ...
Replies: 34
Views: 5458

Re: Whew! Stock market is no longer at all-time highs, so ...

TheAccountant wrote:
Fri Oct 05, 2018 8:54 pm
Black Monday on the 8th, anyone?
Doubt it. Be OK with me though. Still in accumulation phase.
by ChinchillaWhiplash
Fri Oct 05, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Adding spouse as W-2 for S-corp
Replies: 1
Views: 218

Adding spouse as W-2 for S-corp

What amount would one have to pay a spousal employee to make it worthwhile? Adding expenses of payroll, unemployment, and SS correct? Basic duties are book keeping, paperwork, paying bills, etc. just trying to figure out if there's enough $s coming in to do this to add more retirement investment spa...
by ChinchillaWhiplash
Tue Oct 02, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: Source for Expense Ratio history?
Replies: 1
Views: 185

Source for Expense Ratio history?

Is there a good web site that has historical ERs for funds? Would like to see full data from fund inception for various funds.
by ChinchillaWhiplash
Tue Oct 02, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: Thoughts on investing for dividends? Website DRIP?
Replies: 7
Views: 795

Re: Thoughts on investing for dividends? Website DRIP?

There are still some that are pretty successful with this strategy. They rely on CEFs, BDCs, mREITs, and ETNs for high yields. Not sure how long they will hold out and there is probably a lot of risk involved, but currently their total returns are not bad. This is despite the fact that the share pri...
by ChinchillaWhiplash
Fri Sep 28, 2018 4:09 pm
Forum: Investing - Theory, News & General
Topic: Investment types in a no-growth environment
Replies: 35
Views: 2764

Re: Investment types in a no-growth environment

Defensive sector investing? Utilities, consumer goods, healthcare. REITs and commodities might be good too. Would think that companies that sell things people have to have will always do OK.
by ChinchillaWhiplash
Fri Sep 28, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3503

Re: Good flip flops

Combat floperators. The soles are made of the same material as combat boots. Super comfy and work great with my flat feet. Proceeds put an Afghan girl in school for each sale too. Company founded by former Rangers that wanted to do something for people in conflict areas. Think the shoes are made in ...
by ChinchillaWhiplash
Thu Sep 27, 2018 8:10 am
Forum: Investing - Theory, News & General
Topic: Do MFs use an Ex-date?
Replies: 1
Views: 199

Do MFs use an Ex-date?

Was wondering if mutual funds have an Ex-date that you have to own the fund before to collect the distribution like an ETF or stock? Just curious since I add to tax deferred space monthly and it might make a difference when I buy a fund.
by ChinchillaWhiplash
Mon Sep 24, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Does it make sense to own two different total stock index funds?
Replies: 22
Views: 1715

Re: Does it make sense to own two different total stock index funds?

Oops :oops: Replace the "hold" with "buy". Also add the caveat that if you buy and then sell within 30 days Or sell then buy within 30 days an identical fund in any accounts you hold, you can trigger a wash sale. Hope that clears up the muddy water a bit.
by ChinchillaWhiplash
Mon Sep 24, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Does it make sense to own two different total stock index funds?
Replies: 22
Views: 1715

Re: Does it make sense to own two different total stock index funds?

I have a 401k that offers a total stock market index fun, but what if I wanted to also add a total stock market index fund to my Roth IRA? Would it be crazy to choose a different total stock market index fund for my Roth IRA that might offer a lower exp ratio? Should I just continue to invest in th...
by ChinchillaWhiplash
Sun Sep 23, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: What is right place for MLPs in portfolios?
Replies: 12
Views: 773

Re: What is right place for MLPs in portfolios?

If you do hold them, I would not put them in a taxable account. I would guess the K-1 wouldn't be an issue in a tax deferred space. Hopefully someone more knowledgeable will chime in.
by ChinchillaWhiplash
Sat Sep 22, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: Why do Schwab fund only pay distributions once a year?
Replies: 7
Views: 1126

Why do Schwab fund only pay distributions once a year?

Any idea why a lot of Schwab mutual funds and ETFs only pay once a year? Any advantage or disadvantage over quarterly distributions? I personally prefer the 1/4 for better averaging over time. Just curious as to why they set it up this way.
by ChinchillaWhiplash
Thu Sep 20, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Critique my High-Risk Factor Portfolio
Replies: 33
Views: 3050

Re: Critique my High-Risk Factor Portfolio

If you have access to X-ray, you might want to check your portfolio with that. Would think that a lot of the SCV funds already hold a good number of REITs so you might be overweighting when you add an actual REIT fund.