Search found 93 matches

by usnaron
Mon Aug 07, 2017 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 9583

Re: When does renting make sense

Use the New York Times rent vs own calculator, pretty good estimate if you use reasonable investment gain projections and housing appreciation projections.
by usnaron
Thu Jul 27, 2017 1:56 pm
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 285
Views: 22614

Re: Living Off Dividends

The "living off dividends" idea just makes me bang my head off a brick wall. I have a well diversified P2P loan portfolio (asset backed loans only), that pays around 12% - 13% annually, in monthly installments. I have not had any losses in 3 years. If you were obsessed with living off dividends rel...
by usnaron
Thu Jul 27, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Why are they beating S/P? What am I missing?
Replies: 72
Views: 4591

Re: Why are they beating S/P? What am I missing?

My family has been reviewing my MILs investments as she is unable to do it herself. MILs spouse (passed away long time ago) put her with this wealth management group in Minnesota in 1998. Basically a large roll over IRA, so when the group sells something, there is no capital gains other than some s...
by usnaron
Thu Jul 13, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: EE bonds for kids
Replies: 1
Views: 260

EE bonds for kids

I know that there is a $10k limit per year per social security number when purchasing EE bonds - does that mean I can buy $40k per year (me, wife, 2 kids)? Or does it only apply to people that are working?
by usnaron
Thu Jun 15, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Buying cost vs renting (specifically for me)... can anyone fact check this?
Replies: 36
Views: 2417

Re: Buying cost vs renting (specifically for me)... can anyone fact check this?

“Hey I’ve got an idea. We’re always talking about good investments. What if we came up with the worst possible investment we can construct? What might that look like?” Well, let’s see now (pulling out our lined yellow pad), let’s make a list. To be really terrible: •It should be not just an initial,...
by usnaron
Thu Jun 15, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Highlander vs. Pilot
Replies: 30
Views: 3812

Re: Highlander vs. Pilot

don't buy a Honda with variable cylinder management (VCM), like the Pilot has, until you research the issues with it and the class action VCM suit that Honda lost.
by usnaron
Wed May 10, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Live off dividends or sell securities during retirement?
Replies: 9
Views: 1571

Re: Live off dividends or sell securities during retirement?

dividends were nice back in the day when transaction costs were high and there was no such thing as a discount broker. now, they are just a tax inefficient drag on your taxable portfolio, which is why high dividend investments should be kept in your tax advantaged account. the media makes it sound l...
by usnaron
Tue Mar 21, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Loan for First Time Homebuyer
Replies: 32
Views: 1386

Re: TSP Loan for First Time Homebuyer

I grew up in Alexandria, VA and am wondering if things have changed since I left....do you know of any good public schools in DC? As others have said, I would strongly consider waiting a few more years until you know where you want to buy. Once you have kids, your home location and size preferences ...
by usnaron
Thu Mar 09, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Any Car experts - Honda Odyssey question
Replies: 22
Views: 2284

Re: Any Car experts - Honda Odyssey question

With the Honda Odyssey, I strongly recommend buying a VCMuzzler, which essentially prevents the car from deactivating cylinders. Variable Cylinder Management (VCM) technology has caused many Hondas (GM's too) to leak oil through warped piston rings which cause fouled spark plugs and many other engin...
by usnaron
Tue Feb 21, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 574
Views: 151450

Re: Share your net worth progression

-Became a Naval Officer in 2005 with very little in savings -Started saving and investing about 1k per month with an after tax income of $3400 per month (saved probably 90% of income while on deployment tax free) -Met my future wife, also a Naval Officer, in 2006 and got her into saving and investi...
by usnaron
Thu Feb 16, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 574
Views: 151450

Re: Share your net worth progression

Thanks...Expecting ~4k per month pension that will start at 44 years old. This is not included in net worth, only investments/cash are included in net worth.
by usnaron
Thu Feb 16, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 574
Views: 151450

Re: Share your net worth progression

-Became a Naval Officer in 2005 with very little in savings -Started saving and investing about 1k per month with an after tax income of $3400 per month (saved probably 90% of income while on deployment tax free) -Met my future wife, also a Naval Officer, in 2006 and got her into saving and investin...
by usnaron
Thu Dec 29, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 729
Views: 133293

Re: Boglehead Beer

In San Diego you can get a 24-pack of Stone IPA for about $27 at COSTCO....best deal around.
by usnaron
Sat Jul 26, 2014 8:46 pm
Forum: Personal Consumer Issues
Topic: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)
Replies: 49
Views: 6869

Re: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)

My brother just bought a new 2014 Accord LX and I cannot believe the features that come in the base model these days. It even has a rear camera displayed on a pretty large screen up front. It also comes with alloy wheels and not the hubcaps the LX used to come with. He got it for under 19k too. I th...
by usnaron
Wed Aug 29, 2012 4:11 pm
Forum: Investing - Theory, News & General
Topic: vanguard high yield corporate
Replies: 10
Views: 1427

Re: vanguard high yield corporate

Thanks for the excellent responses. They all helped me get a much beer idea of where I stand with my high yield exposure.
by usnaron
Wed Aug 29, 2012 2:59 pm
Forum: Investing - Theory, News & General
Topic: vanguard high yield corporate
Replies: 10
Views: 1427

vanguard high yield corporate

I am having a hard time grasping the actual risk I am taking by investing in vanguard high yield corp index. I know that there is no free lunch with investing, but do you think this fund is really 4 times riskier than vanguard total bond index? If I were to hold on to the high yield fund for 30 year...
by usnaron
Thu Aug 02, 2012 5:25 pm
Forum: Investing - Theory, News & General
Topic: thoughts on Bill Gross' most recent PIMCO note
Replies: 53
Views: 8766

Re: thoughts on Bill Gross' most recent PIMCO note

I don't understand the distinction between capital appreciation and dividends. They seem equivalent to me. I can spend dividends or reinvest them, and similarly I can sell shares for spending money or hold them. Why should I care if my return is 3% dividends and 3% appreciation, versus 6% dividends...
by usnaron
Fri Jun 22, 2012 11:27 am
Forum: Investing - Theory, News & General
Topic: Buying the dividend
Replies: 16
Views: 2401

Re: Buying the dividend

how about a bond index fund. Does the NAV also drop when the dividend is paid out?
by usnaron
Wed May 09, 2012 11:28 am
Forum: Investing - Theory, News & General
Topic: ALLY in trouble
Replies: 1
Views: 761

ALLY in trouble

I know ALLY is very popular on this site for their CDs and savings accounts. FDIC insurance could come in handy.

http://www.nytimes.com/2012/05/06/busin ... ick.net&hp
by usnaron
Fri May 04, 2012 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Free Mercedes-Benz when you open a $1M 5yr CD (1.2% APY)
Replies: 27
Views: 2680

Re: Free Mercedes-Benz when you open a $1M 5yr CD (1.2% APY)

FDIC insures 250k (500k if its a joint CD). too much risk
by usnaron
Thu Apr 26, 2012 12:49 pm
Forum: Investing - Theory, News & General
Topic: Why has Atlanta's housing market gone off a cliff?
Replies: 11
Views: 1366

Re: Why has Atlanta's housing market has gone off a cliff?

Georgia led the country in subprime lending and was top five in price increases during the housing bubble.
by usnaron
Fri Dec 09, 2011 5:15 pm
Forum: Personal Consumer Issues
Topic: Dan Neil in WSJ: Chevy Volt a success
Replies: 334
Views: 33765

Re: Dan Neil in WSJ: Chevy Volt a success

Consumer reports article was not so nice to the VOLT.... Consumer Reports tests show the battery's range at a paltry 23 to 28 miles in cold weather, far below the 40 miles originally promised. "The financial payback is not there," said Jake Fisher, a senior automotive engineer at Consumer ...
by usnaron
Wed Aug 03, 2011 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: How did you find a job compatible with happiness?
Replies: 105
Views: 12300

If you have a job that makes a lot of money, that alone will make you happy. What you want to do does not matter at all. notsureifsrs.jpeg I'd turn down a career that paid 10 mil annually if it meant i had to spend 14 hours a day alone staring at microsoft office. Too much time is spent at a career...
by usnaron
Mon Aug 01, 2011 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Graduate School (Halfway through)
Replies: 4
Views: 1011

So only 12.5K more to get masters degree from Georgetown? I think I would cut down on expenses and sell some gold coins and keep going to finish degree personally. +1...you could probably save 1k per month by just looking at your budget and shopping smarter. That degree will get your foot in the do...
by usnaron
Tue Jul 19, 2011 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Optimal Age of Used Car for Value (infrequent driver)?
Replies: 27
Views: 6250

Safety- Driving is the most dangerous thing that most of us do and it is done on a daily basis. Make sure the car has side curtain airbags in addition to the frontal ones. Additionally, Electronic Stability Control (or the equivalent for the brand that you choose) is an important safety feature and ...
by usnaron
Thu Jul 14, 2011 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: dealing with a million...
Replies: 24
Views: 3642

Re: 30k per yr budget by the month

Mysteryhunt wrote:
usnaron wrote:You can substitute teach 10 hours a month for an extra $1000 if you want to live more lavishly and wouldn't be touching the $1,000,000 in principle.


I want to substitute teach at that school!!!!!


I meant 10 days a month...haha
by usnaron
Thu Jul 14, 2011 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: dealing with a million...
Replies: 24
Views: 3642

Re: 30k per yr budget by the month

rent or mortgage=$1200 in low cost areas Cable, internet, and dumb cell phone for two people =$160 food for 2=$400 1 car (maintenance, insurance and gas for a retired couple)=$200 electricity and water=$125 entertainment and unforseen expenses=$300 total=$2485 You can substitute teach 10 hours a mo...
by usnaron
Thu Jul 14, 2011 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: dealing with a million...
Replies: 24
Views: 3642

I'm 30 and about 45% of the way there. I find myself more and more risk averse the closer I get. I cannot stay the course. I'd rather be 80% fixed (cds, g fund, total bond, tips) and retire less lavishly than have to work an extra 5-10 years because of a down market.
by usnaron
Thu Jul 14, 2011 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: dealing with a million...
Replies: 24
Views: 3642

30k per yr budget by the month

rent or mortgage=$1200 in low cost areas Cable, internet, and dumb cell phone for two people =$160 food for 2=$400 1 car (maintenance, insurance and gas for a retired couple)=$200 electricity and water=$125 entertainment and unforseen expenses=$300 total=$2485 You can substitute teach 10 hours a mon...
by usnaron
Thu Jul 14, 2011 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: dealing with a million...
Replies: 24
Views: 3642

why not retire when you hit 1 mil

You could buy 1 mil worth of vanguard's long term bond index and live off 30k per yr (invest the surplus in TIPS for future inflation). In many parts of the country, this is possible. It all depends on how much you'd rather do fun free things instead of sitting in the office all day. Your choice.
by usnaron
Thu Jul 07, 2011 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: just went to look, but now might buy a new camry?
Replies: 89
Views: 7253

you can get a brand new 4 cyl. Camry SE for $21,139 in the San Diego area from the USAA car buying service. Many other sites use the same service. The bottom of the line automatic is $19,160.
by usnaron
Wed Jun 22, 2011 2:14 pm
Forum: Investing - Theory, News & General
Topic: What causes inflation?
Replies: 53
Views: 3733

The simplest theory is the quantity theory of money. The Fed prints a lot of money, prices go up by a corresponding amount. Then people noticed that what mattered was the velocity of money, in essence how frequently money is spent in an amount of time. A slowdown in velocity can negate the effects ...
by usnaron
Thu Jun 16, 2011 12:40 pm
Forum: Investing - Theory, News & General
Topic: Article: Fears of rich and super-rich
Replies: 63
Views: 7786

Nothing new here. People who work hard for their money, plus save and invest, naturally worry about losing it to forces beyond their control. It doesn't matter whether you have $100K, $M, or $10M. You want to keep what you worked hard to achieve. The more you have though, the less risks you have to...
by usnaron
Wed Jun 15, 2011 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: how do prop desks make money in a very efficient market
Replies: 9
Views: 1320

how do prop desks make money in a very efficient market

In the efficient boglehead market, does the avg. wall st. prop desk have the ability to beat the market over the long run? Do the CEO's of these large firms honestly think they can beat the market without cheating? Or are there enough grey areas like front-running, for them to be profitable?
by usnaron
Tue Jun 14, 2011 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Hybrid - is it worth it?
Replies: 86
Views: 8499

I just got a 2011 Odyssey. 21 city 28 hwy with a 270 hp V6 that shuts off cylinders when cruising on the hwy. I consistently get 33mpg going 65mph on the hwy. Great car so far.
by usnaron
Tue Jun 14, 2011 3:00 pm
Forum: Investing - Theory, News & General
Topic: TIPS - VIPSX question
Replies: 5
Views: 809

thanks. but what about a bond fund vs individual bond - in a bond fund wouldn't the principal from maturing bonds and interest paid if reinvested be used to purchase new bonds on the market paying higher coupon rates ? true, but the yield is still correlated to inflation like TIPS are. not correlat...
by usnaron
Tue Jun 14, 2011 3:00 pm
Forum: Investing - Theory, News & General
Topic: TIPS - VIPSX question
Replies: 5
Views: 809

ALinLI wrote:thanks. but what about a bond fund vs individual bond - in a bond fund wouldn't the principal from maturing bonds and interest paid if reinvested be used to purchase new bonds on the market paying higher coupon rates ?


true, but the yield is still correlated to inflation like TIPS are.
by usnaron
Tue Jun 14, 2011 2:30 pm
Forum: Investing - Theory, News & General
Topic: TIPS - VIPSX question
Replies: 5
Views: 809

Re: TIPS - VIPSX question

I know that TIPS are inflation protected bonds so will payout higher interest and principal in case of increasing CPI but don't all bonds behave same way since - rising CPI inflation means increasing interest rates and coupon rates paid on bonds would increase ? am i missing something? TIPS rise wi...
by usnaron
Mon Jun 13, 2011 10:29 am
Forum: Investing - Theory, News & General
Topic: Which CD would you choose for interest rate risk insurance?
Replies: 10
Views: 1231

"Interest rate risk insurance" with a CD? I'm confused. If rates rise, you can get out of the CD, buy the higher yielding bonds and pay a small penalty. If rates rise and you are in bonds, the is a much larger potential loss of principle. Your losses due to a rise in interest rates are ca...
by usnaron
Fri Jun 10, 2011 4:38 pm
Forum: Investing - Theory, News & General
Topic: Which CD would you choose for interest rate risk insurance?
Replies: 10
Views: 1231

who has those 5 year 60 day early withdrawal CDs with no monthly requirements? I want a higher amount than I-bond limits, but I will definitely take advantage of those too.
by usnaron
Fri Jun 10, 2011 4:30 pm
Forum: Investing - Theory, News & General
Topic: Which CD would you choose for interest rate risk insurance?
Replies: 10
Views: 1231

why not? They both have higher risk adjusted returns than total bond index
by usnaron
Fri Jun 10, 2011 4:24 pm
Forum: Investing - Theory, News & General
Topic: Which CD would you choose for interest rate risk insurance?
Replies: 10
Views: 1231

Which CD would you choose for interest rate risk insurance?

5 year yielding 2.4% APY with a 6 month early withdrawal penalty

or

7 year yielding 3.2% APY with a 12 month early withdrawal penalty

and why?
by usnaron
Thu Jun 09, 2011 4:25 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to own bonds and not CDs at todays yield?
Replies: 13
Views: 1628

Mel Lindauer wrote:Consider risk-free I Bonds which are currently yielding 4.6%. They can be redeemed any time between one and 30 years. They're also free from state and local taxation.


I am looking for a safe place to put 100-200k
by usnaron
Thu Jun 09, 2011 4:22 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to own bonds and not CDs at todays yield?
Replies: 13
Views: 1628

555 wrote:I can get 3.6% with a SVF. I'm sure there are bonds inside and some insurer is making a profit holding those bonds and paying investors a guaranteed 3.6%.


which small value fund? do you think the risk adgusted rate of return is higer than one of the CDs I mentioned?
by usnaron
Thu Jun 09, 2011 4:09 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to own bonds and not CDs at todays yield?
Replies: 13
Views: 1628

A Stable Value Fund usually has a higher interest rate. And Bonds are the underlying investment of Stable Value Funds. So Bonds > Stable Value Funds > CDs unless there is some kind of Rock-Paper-Scissors type scenario here. The bond portion of whatever stable value fund you are talking about has a ...
by usnaron
Thu Jun 09, 2011 12:33 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to own bonds and not CDs at todays yield?
Replies: 13
Views: 1628

Does it make sense to own bonds and not CDs at todays yield?

A 5yr treasury is yielding 1.56%, a 5yr CD from discover card's bank is FDIC insured and yielding 2.35%. A treasury carries much more interest rate risk than a CD because the penalty for taking your CD money off the table is at most 1yr's worth of interest and in some cases 6-9 mo of interest...obvi...
by usnaron
Wed Apr 20, 2011 3:42 pm
Forum: Investing - Theory, News & General
Topic: Are Japan's lost decades a myth?
Replies: 15
Views: 2909

A couple of decades ago, Japan appeared to be taking over the world. Today, it's shrinking and on a path toward irrelevance. Deflation is the result, which is why my Japanese hairdresser tells me how much cheaper things are after her summer trip to Japan each year. And that's naturally going to lea...
by usnaron
Wed Apr 20, 2011 3:19 pm
Forum: Investing - Theory, News & General
Topic: Are Japan's lost decades a myth?
Replies: 15
Views: 2909

The "lost decades" are usually spoken of in terms of equity market losses (or lack of gains), including reinvested dividends, and adjusting for inflation/deflation. In that sense, Japan's equity market has had two "lost decades," and we've had one (working on the second lost dec...
by usnaron
Wed Apr 20, 2011 12:03 pm
Forum: Investing - Theory, News & General
Topic: Are Japan's lost decades a myth?
Replies: 15
Views: 2909

Are Japan's lost decades a myth?

Very interesting article that highlights the fact that GDP growth is too dependent on inflation. The quality of life in Japan has increased during "the lost decades" and the Yen is much stronger due to the inflation in other developed nations.

http://mises.org/daily/5170/The-Myth-of ... st-Decades
by usnaron
Tue Mar 22, 2011 5:25 pm
Forum: Investing - Theory, News & General
Topic: How far can housing prices fall?
Replies: 64
Views: 10820

housing differences

The answer to your question of how far prices can fall really depends upon where you're looking. As an example, here's a plot of inflation-adjusted price per square foot for a SoCal neighborhood I've been considering buying in (La Canada, CA). Average sales price is currently ~$450/sqft but heading...