Search found 591 matches

by ChinchillaWhiplash
Sun Jan 20, 2019 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Bond index in Roth or Munis in taxable
Replies: 5
Views: 373

Re: Bond index in Roth or Munis in taxable

If retiring in a fairly high bracket, keep munis in taxable and save the Roth space for high return equities.
by ChinchillaWhiplash
Fri Jan 11, 2019 11:44 am
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9607

Re: Did you ever "win" big?

I bought Tesla stock at $33 a share about 20 years ago. Sold it at around $125. Wish I would have held it longer :oops: Tesla was founded in '03 and didn't go public until '10 with an offering price of $17 a share nonetheless... Regardless, congrats Clearly Chinchilla is posting from some point in ...
by ChinchillaWhiplash
Fri Jan 11, 2019 8:30 am
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9607

Re: Did you ever "win" big?

I bought Tesla stock at $33 a share about 20 years ago. Sold it at around $125. Wish I would have held it longer :oops:
by ChinchillaWhiplash
Wed Jan 09, 2019 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help me Built a Dividend Growth Investment Portfolio
Replies: 19
Views: 1456

Re: Help me Built a Dividend Growth Investment Portfolio

You might want to look at REIT funds too. VNQ and VNQI have good yields. Wisdom Tree has several dividend based factor funds also, including EM and Internatioal small cap. Expense ratios are a little on the high side, but yields are good.
by ChinchillaWhiplash
Wed Jan 09, 2019 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Low risk, fixed 5% return too good to be true?
Replies: 27
Views: 3840

Re: Low risk, fixed 5% return too good to be true?

If higher than 24% bracket, municipal bond fund in a taxable might be worth a look. There are some low fee index funds available. Also some options for high yield. There are some income CEFs that have interesting strategies to pay high yields. Some use return of capital strategies to make them a lot...
by ChinchillaWhiplash
Fri Jan 04, 2019 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: HY Muni fund in taxable?
Replies: 11
Views: 821

Re: HY Muni fund in taxable?

Core holding is intermediate bond fund in 401k. Hold a little EM bond fund in there too. Currently building up some bonds in taxable with small % of AA in MUB and HYMB. These are the no fee funds available through TDA. If there is a point where I can TLH, might sell and move $s in a big batch to Van...
by ChinchillaWhiplash
Fri Jan 04, 2019 10:01 am
Forum: Investing - Help with Personal Investments
Topic: HY Muni fund in taxable?
Replies: 11
Views: 821

HY Muni fund in taxable?

Is it worth considering a high yield municipal bond fund (indexed with low ER) in a taxable account as part of your fixed income/bond AA if you are in high tax bracket (32%)? I'm thinking a decent chunk needs to go here to reduce the tax implications. Saving tax deferred accounts for mostly equities...
by ChinchillaWhiplash
Wed Jan 02, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Updates with new problem
Replies: 24
Views: 2280

Re: Dealing with Jeep for warranty claims. Updates with new problem

Has a crack in radiator which is part plastic and a leak in lower radiator hose. Ughhh
by ChinchillaWhiplash
Tue Jan 01, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Updates with new problem
Replies: 24
Views: 2280

Re: Dealing with Jeep for warranty claims. Updates with new problem

It sounds like the service department was incompetent. I wouldn't blame the Jeep for this. Bring your Toyota Camry to me and let me pull some hose clamps out, pull some random hoses off and unbolt a few things and we'll see if the car simply heals itself or if it overheats and blows steam. I'd bet ...
by ChinchillaWhiplash
Tue Jan 01, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Updates with new problem
Replies: 24
Views: 2280

Re: Dealing with Jeep for warranty claims. Updates with new problem.

Well now I have a newish problem. I had been smelling antifreeze and told the dealer the last 2 times I took it in. They said they couldn't find anything. Now steam comes up from the right front of the car around the radiator. I think the fan relays are not working or something. If I drive up a step...
by ChinchillaWhiplash
Fri Dec 28, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2369

Re: Why do people buy- performance cars?

Because they are fun to drive! It's also nice to have power to pass when needed. It's fun to take mountain road corners near the limits of lateral traction in a car engineered to do so. My ride is a 2001 Porsche 911. My everyday driver in the mountains of Colorado. And, no, I have never had a speedi...
by ChinchillaWhiplash
Fri Dec 28, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Emergency fund as part of asset allocation?
Replies: 6
Views: 307

Re: Emergency fund as part of asset allocation?

I have a portion of EF counted in AA. Use a taxable account with municipal bond fund as part of EF and I count that in the bonds/fi portion of portfolio. If you are in a high tax bracket, it can be advantageous to hold EF in tax free bonds.
by ChinchillaWhiplash
Thu Dec 27, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Why not go all small cap value for equities?
Replies: 72
Views: 4425

Why not go all small cap value for equities?

Sorry if this has been covered, but I did not find it in a search. Judging by the available data going back to 1972 for asset classes on Portforlio Visualizer, sure seems like it is worth heavily or completely tilting towards US small cap value. If equities are supposed to be your risk, is it not wo...
by ChinchillaWhiplash
Tue Dec 25, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Taxation of interest/dividends in taxable: Is this the most efficient for me?
Replies: 2
Views: 286

Taxation of interest/dividends in taxable: Is this the most efficient for me?

32% Fed, 4.62% State. Considering interest/dividend payments. For bond fund in taxable, looks like in my situation municipal bond fund would be the best, correct? Do these funds incure much in the way of long/short term capital gains usually? Would hope that most are set up to be tax efficient.
by ChinchillaWhiplash
Tue Dec 18, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Stock with strong dividend yield
Replies: 8
Views: 621

Re: Stock with strong dividend yield

There are several BDCs and mREITs that pay out that kind of yield. Can't say how safe these are. Some have very complex business structures with internal hedging and such. They are required by law to pay out at least 90% of their earnings/profits to shareholders. Hence the high dividend.
by ChinchillaWhiplash
Mon Dec 17, 2018 12:40 am
Forum: Investing - Help with Personal Investments
Topic: Bottom fishing
Replies: 28
Views: 3216

Re: Bottom fishing

Unfortunately, you won't know where the bottom is until it has passed by. Nobody else will know when it hits bottom either.
by ChinchillaWhiplash
Sat Dec 15, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: safest downhill ski helmet
Replies: 31
Views: 1179

Re: safest downhill ski helmet

Another thing to not wear are head phones. People blasting music that I can hear on the lift while they ski under you is WAY TOO LOUD. It makes you more aware of what's around you if you don't have the ear buds in. I never listening to music while riding. Was riding in Telluride today and there was ...
by ChinchillaWhiplash
Sat Dec 15, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: Which asset class is down the most for you?
Replies: 26
Views: 2290

Re: Which asset class is down the most for you?

Mine is US small cap value. Have an index fund that is down 17.4% right now. Have been funneling new money into it each month to put % back where it belongs. Keeps going down, but so does my cost basis. Getting a little painful though, but will hold strong :beer Same but I use the S&P600 value whic...
by ChinchillaWhiplash
Fri Dec 14, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Which asset class is down the most for you?
Replies: 26
Views: 2290

Which asset class is down the most for you?

Mine is US small cap value. Have an index fund that is down 17.4% right now. Have been funneling new money into it each month to put % back where it belongs. Keeps going down, but so does my cost basis. Getting a little painful though, but will hold strong :beer
by ChinchillaWhiplash
Mon Dec 10, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: safest downhill ski helmet
Replies: 31
Views: 1179

Re: safest downhill ski helmet

I will say I skied the first 35 years 50-70 days a year on snow with nothing more than a plain old wool winter hat. Double blacks, trees the works. I’m still alive with no brain damage lol. Assessing risk, knowing your “true” ability and skiing terrain accordingly is your best bet. No helmet can sa...
by ChinchillaWhiplash
Mon Dec 10, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: safest downhill ski helmet
Replies: 31
Views: 1179

Re: safest downhill ski helmet

Think Schumacher's problem was caused by a go-pro mounted on the helmet that went through the shell.
by ChinchillaWhiplash
Mon Dec 10, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: safest downhill ski helmet
Replies: 31
Views: 1179

Re: safest downhill ski helmet

I like my POC helmet. Haven't tested it out luckily. I have read that most ski helmets do no good above a 20 mph collision. Lots of people have died on the slopes of head trauma even with helmets. My son had an Anon helmet and hit a tree with the top of his head. He was fine and the helmet had a big...
by ChinchillaWhiplash
Mon Dec 10, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: Who is buying SCV, EM, Intl SC
Replies: 41
Views: 2772

Re: Who is buying SCV, EM, Intl SC

Yes, bonds, EM bonds, SCV US, SCV EM and DM. No REITs.
by ChinchillaWhiplash
Thu Dec 06, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Updates with new problem
Replies: 24
Views: 2280

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

Jeep has been repaired under warranty. Ended up with failed rocker arms that ate up the lifters and cams. Hopefully it will hold up for a few more years until we want to purchase another vehicle. Worried that there could be damage from all the worn off metal that was floating around in the oil. Hope...
by ChinchillaWhiplash
Tue Dec 04, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: These funds OK for taxable? IXUS (total international ex-US) & MUB (national muni bonds)
Replies: 3
Views: 369

These funds OK for taxable? IXUS (total international ex-US) & MUB (national muni bonds)

Fed tax bracket 36%. State 4.62%. Would these funds be relatively tax efficient for a taxable account? IXUS has low ER and turnover of 2%. Thinking it would be good for foreign tax credit and fill my international space. MUB also low ER and decent dividend that would have no fed tax to help fill bon...
by ChinchillaWhiplash
Fri Nov 30, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Question on S corp profit share funding of solo 401k
Replies: 11
Views: 466

Re: Question on S corp profit share funding of solo 401k

what sort of numbers are we talking about? Discussion may be concrete if we get somewhat specific. For instance, for 2019, project S corp net income, your wages and distributions. And I assume you are the only shareholder and employee of the Corp? What is the nature of work, is this a specified ser...
by ChinchillaWhiplash
Fri Nov 30, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Question on S corp profit share funding of solo 401k
Replies: 11
Views: 466

Re: Question on S corp profit share funding of solo 401k

Thanks Sprit Rider for the info. Think I will make bi-monthly contributions. Hate to have that much cash earning only 0.01% at bank. Would rather put it to work asap. For 2017 made 3 contributions in summer of 2018. Didn't come close to the max and we had to do an amended return since he did not acc...
by ChinchillaWhiplash
Fri Nov 30, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2480

Re: Guy's Western US Ski Trip - suggestions?

Telluride is good. Beautiful mountain and town. Forbes ranked it #2. Not a lot of true beginner runs though. Small town with lots of restraunts and bars. Kind of on the spendy side, but never gets very crowded. Weekday lift lines are non existent. Feb is usually a good month for snow, but not guaran...
by ChinchillaWhiplash
Fri Nov 30, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Question on S corp profit share funding of solo 401k
Replies: 11
Views: 466

Re: Question on S corp profit share funding of solo 401k

S corp profit sharing is limited to 25% of compensation (W2 wages). Put another way, profit sharing can not be calculated from the amount of distributions. Do you know for certain what your yearly wages from the corp will be? If stable income and known wages you don't have to wait and lump sum prof...
by ChinchillaWhiplash
Fri Nov 30, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Question on S corp profit share funding of solo 401k
Replies: 11
Views: 466

Re: Question on S corp profit share funding of solo 401k

It sounds as if the online savings account is in your name rather than the business? This is tempting because the rates are usually much better than for business accounts. But the problem is that you'd be distributing funds to yourself and then later reinvesting them in the S-corp to pay to the 401...
by ChinchillaWhiplash
Thu Nov 29, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Question on S corp profit share funding of solo 401k
Replies: 11
Views: 466

Question on S corp profit share funding of solo 401k

Had a talk with my CPA today about how we are doing taxes for 2018, etc. For the 1st time will be fully funding 401k from both employee and employer sides. We usually file an extension for corporate and personal taxes. He recommended that we save up the funds for profit sharing business 401k contrib...
by ChinchillaWhiplash
Thu Nov 29, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2480

Re: Guy's Western US Ski Trip - suggestions?

Snowmass, Crested Butte.
by ChinchillaWhiplash
Tue Nov 27, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Updates with new problem
Replies: 24
Views: 2280

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

Got it to the dealer. They checked the engine and found that a cam shaft is bad along with lifters. Covered under warranty. Just have to have less than the 100k miles when I take it back in for the repair. No hassles and didn't have to prove oil change records or anything. I would rate them as quite...
by ChinchillaWhiplash
Tue Nov 27, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Stock buyback dynamics?
Replies: 1
Views: 206

Stock buyback dynamics?

How close are corporate stock buybacks to buying on margin? Anybody have numbers on how many companies are doing stock buybacks with borrowed $s? What happens with the shares once they buy them back? Would assume they hold the shares like cash and speculate that they will maintain their value or go ...
by ChinchillaWhiplash
Mon Nov 26, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: paying off all but 1 dollar of CC
Replies: 83
Views: 8273

Re: paying off all but 1 dollar of CC

Had a running balance on CC with 768 score. Paid off all CC debt now score is 815. This was over a period of 6 months. Pay it off in full.
by ChinchillaWhiplash
Sat Nov 24, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Furnace Filter for Allergy
Replies: 6
Views: 693

Re: Furnace Filter for Allergy

Try this place. Bet they have something that will help. https://dirtyfilters.com
by ChinchillaWhiplash
Sun Nov 18, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: sell current home before buying new home?
Replies: 17
Views: 1444

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. Updates with new problem
Replies: 24
Views: 2280

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. Updates with new problem
Replies: 24
Views: 2280

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. Updates with new problem
Replies: 24
Views: 2280

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. Updates with new problem
Replies: 24
Views: 2280

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. Updates with new problem
Replies: 24
Views: 2280

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. Updates with new problem
Replies: 24
Views: 2280

Dealing with Jeep for warranty claims. Updates with new problem

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: 647

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: 1706

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: 2000

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: 6227

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: 252

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: