Search found 73 matches

by BionicBillWalsh
Thu Jul 18, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: How unpleasant is the home buying/selling experience??
Replies: 40
Views: 3400

Re: How unpleasant is the home buying/selling experience??

Whatever size house you feel you need for the long-haul, buy something with about half the square footage. You'd likely be best served to buying something in the option 1 price range in the option 2 suburbs. This will likely buy you 5-10 years of stability in the area you want. If you feel compelled...
by BionicBillWalsh
Wed Jul 17, 2019 1:00 am
Forum: Personal Investments
Topic: Bond question: VBTLX vs VBILX
Replies: 20
Views: 1764

Re: Bond question: VBTLX vs VBILX

Because bonds are for safety, I feel much better holding total bond and it’s 8566 bonds compared to intermediate bond’s 1826.

Similar performance and fees, much more diversity if the economy begins to collapse.
by BionicBillWalsh
Tue Jun 25, 2019 1:29 am
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4375

Re: Triage in ER - charged $790

Unless your vomiting session was a facsimile of what happened in the movie Stand By Me, going to the ED for this stuff is inappropriate. They should have charged you triple.
by BionicBillWalsh
Wed Jun 19, 2019 11:19 pm
Forum: Investing - Theory, News & General
Topic: Indexing VS. buying Berkshire Hathaway stock?
Replies: 34
Views: 2942

Re: Indexing VS. buying Berkshire Hathaway st

If Warren died tomorrow, when the stock goes down I’d buy more. He and Munger have turned it into a cash printing machine. It will remain that way long after they’re gone. There is no surer bet in the U.S. stock market.
by BionicBillWalsh
Thu Jun 13, 2019 10:28 pm
Forum: Personal Investments
Topic: Starbucks; buy, sell, hold?
Replies: 41
Views: 3313

Re: Starbucks; buy, sell, hold?

I’ve experienced gains of 80% with SBUX. They are one of the most recognized brands in the world. Their product is addictive and legal. They have the vast majority of quality coffee beans that are harvested worldwide. There is truly a moat around their business model . I think I’ll continue to hold ...
by BionicBillWalsh
Sat Jun 08, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Nest Smoke/CO Detectors
Replies: 17
Views: 1267

Re: Nest Smoke/CO Detectors

I've recently installed 3 of them in the house. Still have another 4 to go but well worth it. The ones replaced were constantly going off with shower steam, cooking, etc. They new ones never go off. As others have mentioned, the motion activated night light in parts of the house is quite convenient ...
by BionicBillWalsh
Tue Jun 04, 2019 11:48 pm
Forum: Personal Investments
Topic: Problem at Vanguard?
Replies: 42
Views: 5307

Re: Problem at Vanguard?

It's 7:10pm EDT and Vanguard hasn't updated my balances yet. Usually it happens at 6:30pm sharp. Anyone else notice this? My values are still from yesterday. My transfers hit and the giant influx of dollars brought things to a halt temporarily. But they're back on line. Sorry for the inconvenience,...
by BionicBillWalsh
Sun May 26, 2019 1:16 pm
Forum: Personal Investments
Topic: $200K+, invest or leave it?
Replies: 10
Views: 1776

Re: $200K+, invest or leave it?

I would not put any more equity than necessary in the home you’re planning on selling in a couple years. Cash is king in real estate deals. And who knows, the housing market could take a bath between now and when you’re planning on acquiring the new property. In the event of a market downturn, you w...
by BionicBillWalsh
Thu May 23, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 6829

Re: Is Tesla Going To Survive?

This stock could as easily go to $500 as it could to zero. Any confluence of factors could push it up...and quickly. Price of oil spikes. Especially if war breaks out in the Middle East. Chinese trade talks could become productive quickly. An entire State or Country could accelerate the demise of In...
by BionicBillWalsh
Thu May 09, 2019 3:54 am
Forum: Personal Consumer Issues
Topic: Undergrad major in Economics or Finance?
Replies: 62
Views: 3834

Re: Undergrad major in Economics or Finance?

Penn State, not Penn! Gill I was about to say the same thing, but Gill beat me to it. I know people in the Philadelphia area who have no clue that there is a difference between the 2 schools. It’s been the case since I went to Penn many years ago. At Penn they have a popular t-shirt that says “Not ...
by BionicBillWalsh
Thu May 09, 2019 3:42 am
Forum: Personal Consumer Issues
Topic: Island life?
Replies: 54
Views: 6980

Re: Island life?

Curious to hear from those who retired to “island” life, some place like the US Virgin Islands, Puerto Rico, Hawaii or the Florida Keys: What attracted you to this lifestyle? Did you “test drive” it first? How? Do you regret it? Do you ever get bored or get “island fever”? How do you deal with hurr...
by BionicBillWalsh
Tue May 07, 2019 9:47 pm
Forum: Personal Consumer Issues
Topic: Island life?
Replies: 54
Views: 6980

Re: Island life?

Curious to hear from those who retired to “island” life, some place like the US Virgin Islands, Puerto Rico, Hawaii or the Florida Keys: What attracted you to this lifestyle? Did you “test drive” it first? How? Do you regret it? Do you ever get bored or get “island fever”? How do you deal with hurr...
by BionicBillWalsh
Mon May 06, 2019 6:11 pm
Forum: Personal Investments
Topic: Warren Buffet's new investment ideas
Replies: 28
Views: 2715

Re: Warren Buffet's new investment ideas

not clear Buffett is making a wager on Oil and Gas (Permian or not) vs getting an outstanding price for lending to the company. 8% dividend on the preferred plus in the money options. I am sure he would have gone twice as much if they had let him. As long as he can see a path to getting paid back I...
by BionicBillWalsh
Sat May 04, 2019 4:54 pm
Forum: Investing - Theory, News & General
Topic: Berkshire buying stake in Amazon - my opinion
Replies: 55
Views: 6135

Re: Berkshire buying stake in Amazon - my opinion

I am a fundamentals guy and have not been a fan of AMZN for years due to its stratospheric PE, PB, etc.. From a traditional fundamental value perspective it is totally unattractive. However I must admit that AMZN has consistently and massively outperformed while value, both LC and SC, have underper...
by BionicBillWalsh
Sat Apr 20, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for College Freshman
Replies: 50
Views: 2130

Re: Best Credit Card for College Freshman

With advent of Apple Pay et. al., most college kids probably don't need a credit card at all. They can link their phones to their bank account and have built in account protection that way. I realize that credit score isn't really helped by this, but there are other ways to do that without incurring...
by BionicBillWalsh
Sat Mar 30, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a Men’s Electric Shaver?
Replies: 18
Views: 2528

Re: Recommendations for a Men’s Electric Shaver?

The only downside, I think, is it shaves much easier if I shave every day. In other words, shaving a three-day beard takes longer than three one-day beards. Interesting. I have to agree with your observation. Would Braun users concur? Re: shaving the neck. It's definitely takes greater effort to ge...
by BionicBillWalsh
Sat Mar 30, 2019 2:51 am
Forum: Personal Consumer Issues
Topic: Recommendations for a Men’s Electric Shaver?
Replies: 18
Views: 2528

Re: Recommendations for a Men’s Electric Shaver?

I used the 7 series Braun for years and was happy. I "upgraded" to the 9 series and it seems to give the same if not poorer shave for me for way more money. I think the 7 series is probably all that most would need. Otherwise been very happy with Braun for decades. Full disclosure: I am not a lumber...
by BionicBillWalsh
Thu Mar 28, 2019 1:55 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9 - 3rd Generation
Replies: 15
Views: 1026

Re: iPad Pro 12.9 - 3rd Generation

An iPad Pro 12.9 3rd Gen, with cellular connectivity, is my first tablet. My teenage son loves it for gaming, and I use it for web-browsing and reading sheet music. Nothing smaller would work for my eyes. You'd likely not regret buying one. I had my 9.7" for years and thought it was perfectly suffi...
by BionicBillWalsh
Wed Mar 27, 2019 11:49 pm
Forum: Personal Consumer Issues
Topic: TVs: OLED vs. QLED
Replies: 52
Views: 4264

Re: TVs: OLED vs. QLED

Oled is light years better than Qled. It is very similar in picture quality and experience to plasma, with even deeper picture quality and infinite blacks. Burn in is not really a thing unless you’re actively abusing your tv by jacking up all the settings and pausing the picture for long periods of ...
by BionicBillWalsh
Wed Mar 27, 2019 11:32 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9 - 3rd Generation
Replies: 15
Views: 1026

Re: iPad Pro 12.9 - 3rd Generation

I have what you’re interested in. Had a previous 1rst gen iPad Pro 9.7”. The improvement in real estate size made it a total no-brainer splurge for me. I consume literally everything with this device. And for me, definitely worth the price. It is my banker, my reader of both books/news, my internet ...
by BionicBillWalsh
Sat Mar 23, 2019 3:58 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA-how are you investing the funds?
Replies: 36
Views: 2646

Re: Fidelity HSA-how are you investing the funds?

Mine is in their balanced fund. It is actively managed and has a ER of .53 but I like its composition and really plan to only use it for health care related expenses in the future. My other retirement funds are all in the 3 fund portfolio, with the exception of a Sep IRA with Vanguard’s Balanced Fund.
by BionicBillWalsh
Tue Mar 19, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 127
Views: 8314

Re: Tesla Model Y

A fancy tsla charge station is not required. I bet a dryer outlet would do well enough. You can get about 30 miles per hour of charge with a dryer outlet in the garage (NEMA 14-50). I've had a wall connector as I like the aesthetics, but its completely unnecessary. I installed a Tesla wall charger ...
by BionicBillWalsh
Tue Mar 19, 2019 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: College for average kids
Replies: 72
Views: 4909

Re: College for average kids

Certainly would qualify to be an investment advisor at Edward Jones.
by BionicBillWalsh
Tue Mar 19, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 127
Views: 8314

Re: Tesla Model Y

4nursebee wrote:
Tue Mar 19, 2019 5:13 pm
A fancy tsla charge station is not required.

I bet a dryer outlet would do well enough.
You can get about 30 miles per hour of charge with a dryer outlet in the garage (NEMA 14-50). I've had a wall connector as I like the aesthetics, but its completely unnecessary.
by BionicBillWalsh
Tue Mar 19, 2019 1:18 am
Forum: Personal Consumer Issues
Topic: Sirius
Replies: 16
Views: 1260

Re: Sirius

I recently discovered they have a military/vet discount on their service. This may be helpful to some of you.
by BionicBillWalsh
Mon Mar 18, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: Haven't bought a car in ages - how does negotiation work these days?
Replies: 47
Views: 5121

Re: Haven't bought a car in ages - how does negotiation work these days?

Easy. Go to Tesla.com. Decide which of those vehicles you want. Hit the order button and configure your vehicle. Wait for delivery at your local center several years from now . Collect your $3750 in tax credits next year and enjoy driving the best vehicle on Earth. I fixed your post. :happy I know ...
by BionicBillWalsh
Sat Mar 16, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 127
Views: 8314

Re: Tesla Model Y

On the fit and finish: My 4 year old plus model S has held up quite well. The inside looks as good as the day I bought it. It obviously has a spartan aesthetic compared to other similarly priced “luxury” vehicles. But, I’ve owned some of those competitors and much prefer the Tesla aesthetic. When c...
by BionicBillWalsh
Sat Mar 16, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 127
Views: 8314

Re: Tesla Model Y

There are a myriad of sources on this matter https://www.cnbc.com/2015/08/27/teslas-p85d-is-the-best-car-consumer-reports-has-ever-tested.html A 4 year old article on a new segment is probably not too useful when it comes to reliability data. Consumer Reports adjusts its ratings as new data comes i...
by BionicBillWalsh
Sat Mar 16, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 127
Views: 8314

Re: Tesla Model Y

On the fit and finish: My 4 year old plus model S has held up quite well. The inside looks as good as the day I bought it. It obviously has a spartan aesthetic compared to other similarly priced “luxury” vehicles. But, I’ve owned some of those competitors and much prefer the Tesla aesthetic. When c...
by BionicBillWalsh
Sat Mar 16, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 127
Views: 8314

Re: Tesla Model Y

When consumer reports first evaluated the model S P85D, they claimed that the car broke their system for rating as the car exceeded every measure they looked at. The cars have only gotten better since then, despite what the short seller narrative has been. Interesting. I just looked up the reliabil...
by BionicBillWalsh
Sat Mar 16, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 127
Views: 8314

Re: Tesla Model Y

On the fit and finish: My 4 year old plus model S has held up quite well. The inside looks as good as the day I bought it. It obviously has a spartan aesthetic compared to other similarly priced “luxury” vehicles. But, I’ve owned some of those competitors and much prefer the Tesla aesthetic. When co...
by BionicBillWalsh
Sat Mar 16, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 127
Views: 8314

Re: Tesla Model Y

At the present moment, I think there is a particular fork in the "I'd like to drive an electric car" road, and it depends on whether you want an electric as your only car or as a second car. If it's a second car and you have a reasonable commute (say, 50 miles or less round trip), I think the smart...
by BionicBillWalsh
Sat Mar 16, 2019 2:23 am
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 127
Views: 8314

Re: Tesla Model Y

I was interested in discussions of the car, but once again a Tesla thread will become an ad hominem attack on its CEO and shorts “talking their book.” Unfollowing. I was enjoying the good discussion too, but then quickly fell to crap. Maybe it’s safe to come back without the thread getting hijacked...
by BionicBillWalsh
Sat Mar 16, 2019 1:51 am
Forum: Personal Consumer Issues
Topic: Haven't bought a car in ages - how does negotiation work these days?
Replies: 47
Views: 5121

Re: Haven't bought a car in ages - how does negotiation work these days?

Easy. Go to Tesla.com. Decide which of those vehicles you want. Hit the order button and configure your vehicle. Wait for delivery at your local center. Collect your $3750 in tax credits next year and enjoy driving the best vehicle on Earth. Yes! I was going to post the exact same thing, but if the...
by BionicBillWalsh
Fri Mar 15, 2019 10:13 pm
Forum: Personal Consumer Issues
Topic: Haven't bought a car in ages - how does negotiation work these days?
Replies: 47
Views: 5121

Re: Haven't bought a car in ages - how does negotiation work these days?

Easy. Go to Tesla.com. Decide which of those vehicles you want. Hit the order button and configure your vehicle. Wait for delivery at your local center. Collect your $3750 in tax credits next year and enjoy driving the best vehicle on Earth.
by BionicBillWalsh
Sat Mar 02, 2019 1:52 am
Forum: Personal Consumer Issues
Topic: Luxury vacation towns ??
Replies: 51
Views: 4075

Re: Luxury vacation towns ??

Coronado California

Cannon Beach, Oregon

Duck, North Carolina

Multitude of Hawaiian Resorts

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by BionicBillWalsh
Sat Mar 02, 2019 1:43 am
Forum: Personal Consumer Issues
Topic: A Cobalt Boat
Replies: 41
Views: 3030

Re: A Cobalt Boat

Previous and proud Cobalt owner. Loved it. They are the top of their class. Boats are entertainment vehicles, a lifestyle choice, and not to be underestimated, life support devices when on the water. Don't buy the cheap boat. Buy the best you can afford. Their listed prices are typically much higher...
by BionicBillWalsh
Thu Feb 28, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house as a medical student
Replies: 23
Views: 1067

Re: Buying a house as a medical student

My experience was different than most of the recommendations that you've received here. Bought a house my second year of medical school (interest rates were much lower). Stayed in the same house through medical school and residency. Sold the house for a slight profit and gained quite a bit of equity...
by BionicBillWalsh
Mon Feb 25, 2019 6:29 pm
Forum: Personal Consumer Issues
Topic: First time to Hawaii
Replies: 44
Views: 2827

Re: First time to Hawaii

Where on Maui will you be staying? I have intimate knowledge of most places. As for motorcycles on the islands. Be extra cautious. Most people in cars are watching sunsets, whales, bikinis, ocean vistas. Not necessarily in that order. They are absolutely not looking out for two wheeled traffic. he ...
by BionicBillWalsh
Sun Feb 24, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: First time to Hawaii
Replies: 44
Views: 2827

Re: First time to Hawaii

Where on Maui will you be staying? I have intimate knowledge of most places.

As for motorcycles on the islands. Be extra cautious. Most people in cars are watching sunsets, whales, bikinis, ocean vistas. Not necessarily in that order. They are absolutely not looking out for two wheeled traffic.
by BionicBillWalsh
Sat Feb 23, 2019 10:27 am
Forum: Investing - Theory, News & General
Topic: Buffett's Shareholder Letter for 2018
Replies: 43
Views: 4773

Re: Buffett's Shareholder Letter for 2018

He doesn’t mention Bogle, but does get a dig in about “helper” fees reducing wealth. The letter is a little lackluster this year. Basically, accounting rule changes responsible for some of the seemingly unimpressive returns The tax law has significantly reduced the “dividend” they pay the government...
by BionicBillWalsh
Tue Feb 19, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: Darn Tough Socks....Boxers???
Replies: 18
Views: 2109

Re: Darn Tough Socks....Boxers???

I agree that Darn Tough socks are great.

The best quality boxers Iʻve found are Mack Weldon. Their Airknitx fabric is amazing in functionality.
by BionicBillWalsh
Mon Feb 18, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Getting a Tesla Model 3 Performance?
Replies: 10
Views: 1005

Re: Thoughts on Getting a Tesla Model 3 Performance?

In addition to paying less for insurance, you'll also get a more efficient vehicle with the non-performance model 3. I'm unfortunately not in an area where I use superchargers, so that could be a factor for you with regards to wanting a used model S vs a new model 3. I really love my S and am seriou...
by BionicBillWalsh
Mon Feb 18, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Getting a Tesla Model 3 Performance?
Replies: 10
Views: 1005

Re: Thoughts on Getting a Tesla Model 3 Performance

This is coming from a guy that has a P85D with ludicrous, a model X, and a model 3 on the way.

Get the dual motor model 3 without performance. 4.5 secs to 40 is fast enough for Bay area traffic and you'll save 11 thousand dollars.
by BionicBillWalsh
Mon Feb 04, 2019 10:58 pm
Forum: Personal Investments
Topic: Besides your core.. anyone also hold a play account?
Replies: 61
Views: 3271

Re: Besides your core.. anyone also hold a play account?

Definitely. I've got a Jekyll and Hyde situation where the Jekyll half of me is a Boglehead through and through with a very responsible 3 fund portfolio. The Hyde half has twice the amount of money in a small individual stock portfolio that I envision will turn into lottery style winnings. Try as I ...
by BionicBillWalsh
Mon Feb 04, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Tax Season Tax Options
Replies: 39
Views: 3727

Re: Tax Season Tax Options

I've used a CPA for the past decade for my tax needs. Due to a move, decided to give the HR Block downloadable software a try this year. It does everything I need it to do. All for the $18 I got it for on Black Friday through Amazon. I used to pay my CPA $500 for their services. This is the most Bog...
by BionicBillWalsh
Thu Jan 31, 2019 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Starting from zero..literally.
Replies: 45
Views: 5091

Re: Starting from zero..literally.

I think he’s set himself up great to live below his (current) means. I had squat at 32. Selling the house and renting for less, getting rid of the expensive-to-repair Audi for a Toyota are great moves in my opinion. Build up a nice EF. Then save and invest as much as possible. I’d go 100% equities ...
by BionicBillWalsh
Thu Jan 31, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Starting from zero..literally.
Replies: 45
Views: 5091

Re: Starting from zero..literally.

He has 33 yrs until 65. He could become a billionaire in that timeframe.
by BionicBillWalsh
Thu Jan 31, 2019 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Asset protection question
Replies: 9
Views: 1060

Re: Physician Asset protection question

Do you have umbrella on top of malpractice insurance?