Bogleheads.org

Coltrane75

Hi all,
I'm thinking about buying a 4bay NAS drive enclosure; most likely from Synology.

I want to purchase 2 drives at first. Later on, in a few years, if I want to add more drives, is it pretty simple to do? Or do I have to back-up everything and refomat etc?

Coltrane75

Is it easy to add a disk to a 2 or 3 disk RAID array without much trouble (e.g. formatting everything and rebuilding)?

Coltrane75

The issue we seemed to have with the redfin selling agent we had, aside from the one I mentioned in the first post, is he was the agent for all Redfin listings in the metro area. After covid, they laid off the other agent so it was all him. This was probably a factor in his poor performance. I don't...

Coltrane75

Thanks guys for your feedback. The market is a downtown city (want to keep privacy) that's been slower because of all that is going on. We listed in June then lowered the price from $689 to $670 at the end of August. One week after the drop, he was asking me to lower it again by $5k or $10k which s...

Coltrane75

Maybe the agent had no interest in working with you any longer. Some clients are a handful and have unrealistic expectations. Otherwise if your market is a slow seller's market then it sounds strange to me. I've only had one house that was a difficult sell (my first one in a bad location) and I wen...

Coltrane75

Thanks guys for your feedback. The market is a downtown city (want to keep privacy) that's been slower because of all that is going on. We listed in June then lowered the price from $689 to $670 at the end of August. One week after the drop, he was asking me to lower it again by $5k or $10k which se...

Coltrane75

HI all, I want to get your opinions on this. My home has been on the market since June. All was moving along in terms of waiting on buyers/showings, etc. Then suddenly my listing was pulled on Saturday; I just happened to notice this morning. I reached out to my realtor and he said that my contract ...

Coltrane75

You're not being paranoid. Companies like them, Mint and other "free" software aren't free. The product is your financial information and the consumer is 3rd parties that use that information for their own ends. I just download transaction information manually into a spreadsheet on my desktop; I avo...

Coltrane75

I had a leather living room couch by Natuzzi that looked like new for 15+ years although the use was slight at most. I redecorated when I retired and replaced it with a Natuzzi electric recliner couch with leather upgraded several steps,which has had to have multiple repairs and dye touch ups in it...

Coltrane75

Go with whichever Treasury MM fund has the greatest yield. Yields are so low, go with safety.

Coltrane75

I love leather so I am biased; love the feel, look and smell. Leather does last longer than cloth all things being equal. However, whether its worth getting, depends on your budget. Do your homework to determine which manufacturers truly make high quality leather. There is great variation. I don't h...

Coltrane75

US v International is a sectarian issue here for some so I'm not sure you're going to get a definitive answer. I go with VTWAX; because it seems obvious to me to invest globally according to market cap. The US-only camp will make a case of US exceptionalism to either exclude or underweight internati...

Coltrane75

Yes, they will protect against hyperinflation. If you do a search on this forum, someone researched countries that had TIPS for much longer than the US that has experienced massive financial issues and hyperinflation. The conclusion was that all those countries continued to pay out their TIPS bonds....

Coltrane75

I'm 44.
Asset Allocation for long-term investments is 60% Stocks 40% Bonds. The stocks are roughly globally weighted per VTWAX. The bonds are weighted US vs Intl according to Target date funds.

Coltrane75

I think many just go with market weight; I do because I don't want to create the risk that I tilt in the wrong direction.
There are lots of international markets with a vast array of factors driving them; no way I'm going to be able to figure that out.

Coltrane75

26 Years: Harmon Kardon A/V Receiver AVR 25 II from 1994 Klipsch floor standing speakers from 1994 App 80-100 Years Wood Smoother (not sure the proper technical name), from grandfather in Italy, possibly made sometime in between WWI & II My Harmon Kardon AVR 235 has been going strong for 15 years n...

Coltrane75

26 Years: Harmon Kardon A/V Receiver AVR 25 II from 1994 Klipsch floor standing speakers from 1994 App 80-100 Years Wood Smoother (not sure the proper technical name), from grandfather in Italy, possibly made sometime in between WWI & II My Harmon Kardon AVR 235 has been going strong for 15 years n...

Coltrane75

I share your sentiments and outlook almost exactly. I'm doing roughly the same thing. I'm not in your generational cohort (I don't really think this is of any use anyways); I'm young Gen X. There aren't too many alternatives to high savings, moderate risk tolerance, large emergency fund. Then just r...

Coltrane75

26 Years:

Harmon Kardon A/V Receiver AVR 25 II from 1994
Klipsch floor standing speakers from 1994

App 80-100 Years
Wood Smoother (not sure the proper technical name), from grandfather in Italy, possibly made sometime in between WWI & II

Coltrane75

Which market are you in if you don't mind saying? RE is still mainly driven by local circumstances; if you look some metro areas are doing fine (suburbs and city) while others are getting hit. I don't think anyone really knows what is going on or how it will play out. I have lots of skepticism about...

Coltrane75

Would be insightful to know the author's background...there could be a conflict of interest there...which would add some richness to this column.

Coltrane75

I think the logic is messed up in that 1/3 is already a small percentage of your overall net worth... going to get smaller and smaller too. Hardly relevant IMO for your financial picture. Not even worth the trouble. +1 Inefficient Investment: Not sure what you mean by this. Borrowing money against ...

Coltrane75

Would you be able to easily immigrate to an EU country in better shape? Yes. That's a possibility thank you. Trouble is: which one? We like Portugal (a lot), Spain, Greece and Italy, but they are not necessarily in better shape. And we would rather live in an emerging world country rather than be i...

Coltrane75

Would you be able to easily immigrate to an EU country in better shape?

Coltrane75

Could a long-term portfolio in the accumulation phase benefit from having say 50% of the bond portion invested in TIPS? Definitely. I would have my long-term investments in a long-term TIPS fund if my 401k had it on offer. Just a bonus: I use TIPS in my HSA and own I Bonds for short-term reserves.

Coltrane75

We decide what to do with it year-by-year depending on our circumstances. It usually remains in a bank account until we decide.

2020: Extra Home Down Payment
2019: Vacation, Short/Mid Term Investments

Coltrane75

Looks like June CPI report shows inflation bouncing back.

Things look pretty good for anyone who loaded up on TIPS or I Bonds over the past couple of months.

We may look back on March/April 2020 as a big buying opportunity based on a big over-reaction.

Coltrane75

My wife and I live in Silicon Valley and have tech jobs at large tech companies. My wife was laid off a few months ago and has been interviewing like CRAZY since then. It's a weird time right now in her industry because of COVID19, so at a few companies she got to the final round and then was told ...

Coltrane75

One other thing; have you looked into US Series I Savings Bonds? They don't have a negative yield and IMO are a better deal than TIPS at this time. $10K maximum investment limit per year, no? A $10k limit per SS#. A married couple could purchase up to $25k per year; $10k per SS# +$5k tax refund in ...

Coltrane75

One other thing; have you looked into US Series I Savings Bonds? They don't have a negative yield and IMO are a better deal than TIPS at this time.

Coltrane75

Yes. If you purchased a newly issued TIP bond and held it to maturity, it would protect you against inflation by paying inflation less the negative yield. So if inflation averaged 5% over the life of the bond per year, you would receive 5% - 0.026%. If in the unlikely chance of deflation over the li...

Coltrane75

Jags4186 wrote: ↑Fri May 08, 2020 8:57 am
…. There is no risk in the past.

Would you say that we find ourselves in a bit of a pickle these days because stocks are very dear and bond interest rates are very low?

Coltrane75

William Million wrote: ↑Thu May 07, 2020 11:15 pm We've only been in this bear market recession for two months. I fear it has not run its course. Wan't 2008-09 something like 9 months?

I could be wrong but prefer to prepare for the worst.

I agree with this sentiment. It's probably too early to be asking this question.

Coltrane75

I read Nomi Prens and in other articles that the Fed's inflation target, as well as the ECB inflation target, are basically bogus. In other words, the banks keep bringing it up, never meet it, and never act on it meaningfully. So I kind of just ignore it with regards to investment decisions, its jus...

Coltrane75

BackToSchoolDad wrote: ↑Thu Apr 30, 2020 9:05 am Sorry for the necro bump, but my question didn't seem worth a new thread.

Vanguard Lifestyle Income Fund might be one you like, its 20/80 stocks/bonds. It's just one fund to manage.

Coltrane75

I will stay with a stock/bond portfolio for me of 60/40 for the long-term because: 1. My timeframe is longer than 20 years; I'm fairly certain I will stay with this allocation for the rest of my days on the planet. 2. I have too much money to meaningfully allocate my long-term money to EE bonds. 3....

Coltrane75

I will stay with a stock/bond portfolio for me of 60/40 for the long-term because: 1. My timeframe is longer than 20 years; I'm fairly certain I will stay with this allocation for the rest of my days on the planet. 2. I have too much money to meaningfully allocate my long-term money to EE bonds. 3. ...

Coltrane75

I've used Joplin.

In general, if you're looking for software options its good to visit this site;

https://alternativeto.net/

Type in OneNote and you'll see all the alternatives, descriptions and reviews.

Coltrane75

masonstone wrote: ↑Tue Apr 28, 2020 10:39 am

As another poster once said in this forum, I would go with VTWAX and relax.

Just be aware, if you weren't already, that US vs Intl is a very divisive issue here.

Coltrane75

I think China is winning the economic war against the USA. USD overvalued in short term. It will go down over the median to long term. My impression is the exact opposite of this based on what my China based friends (foreign and Chinese nationals) have been experiencing over the past few years and ...

Coltrane75

Don't forget that Hong Kong is another percentage point in VTWAX that is also really part of the Chinese economy.

How did you increase your Chinese exposure from 4% to 7%?

Coltrane75

SimpleGift wrote: ↑Mon Apr 27, 2020 11:42 am There's been a mountain of financial research ...

Why does declining population and productivity growth lead to lower interest rates?

Coltrane75

Jim Cramer must be having a ball.
I couldn't find any info, does anyone know how much CNBC pays him?

Coltrane75

Does anyone know where information can be found on 60/40 or 40/60 portfolio performance from the 1940s to today? I think that would be helpful to see its performance during the long-term trend of increasing interest rates from the 1940s to the 1980s. The Simba backtesting spreadsheet has those data...

Coltrane75

If there's a takeaway for the individual investor here, it's that it might be better to err on the side of NOT buying stocks right now at the risk of having lots of "liquidity" (i.e., "cash") on the other side; as opposed to trying to bargain-hunt and getting your head handed to you. Bargain-huntin...

Coltrane75

Does anyone know where information can be found on 60/40 or 40/60 portfolio performance from the 1940s to today? I think that would be helpful to see its performance during the long-term trend of increasing interest rates from the 1940s to the 1980s. The Simba backtesting spreadsheet has those data...

Coltrane75

Does anyone know where information can be found on 60/40 or 40/60 portfolio performance from the 1940s to today? I think that would be helpful to see its performance during the long-term trend of increasing interest rates from the 1940s to the 1980s.

Coltrane75

My 2 cents is that there is a 4 in 5 chance that the market moves another leg down from here; meaning that were in a bear market cycle.

Coltrane75

"IF....the Fed can smooth out..."

That is a big if that has yet to be proven. I wouldn't even waste any time thinking about this possibility unless it ever materializes; which I doubt it will.

Coltrane75

I think this should give some perspective to the market timing discussions... "I would say basically we’re like the captain of a ship when the worst typhoon that’s ever happened comes. We just want to get through the typhoon, and we’d rather come out of it with a whole lot of liquidity. We’re not p...

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