Search found 690 matches

by rockstar
Sun Oct 18, 2020 5:47 pm
Forum: Personal Consumer Issues
Topic: Consumer Printer Prices
Replies: 38
Views: 2436

Re: Consumer Printer Prices

I like my Brother printer too. No problems at all.
by rockstar
Sat Oct 17, 2020 2:39 pm
Forum: Personal Consumer Issues
Topic: Off Road Mods?
Replies: 25
Views: 1920

Re: Off Road Mods?

Anyone here ever do off road mods to their vehicle? If so, how did you deal with future repairs? Would you do it again? I'm checking out this place for a potential future build for my vehicle, and I'm looking locally to see my options. I live in the southwest, so I have plenty of off road trails to...
by rockstar
Fri Oct 16, 2020 5:52 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 73
Views: 5146

Re: Bogleheads are good at market timing

Most Bogleheads have practiced milder forms of market timing, for me it is based upon valuations and is more about risk control than trying to beat the markets. I consider re-balancing as a form of market timing. That is popular on Bogleheads. I can rebalance without knowing anything about the mark...
by rockstar
Fri Oct 16, 2020 5:50 pm
Forum: Personal Consumer Issues
Topic: Off Road Mods?
Replies: 25
Views: 1920

Re: Off Road Mods?

Keeping it simple and transmission swap sounds like an oxymoron. Why would you need to do a trans swap? Lots of outdoor trails near me. I'm a avid hiker and backpacker. I have only gone off road a few times in other people's vehicles when I went rock climbing in my twenties. The base Tacoma model d...
by rockstar
Thu Oct 15, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Off Road Mods?
Replies: 25
Views: 1920

Re: Off Road Mods?

I rented a Wrangler when I was out in Glacier National Park, and I hated it. I'm leaning towards a Tacoma or a 4-Runner as the base vehicle. I'm not a Toyota guy, but I think a TRD off road or TRD off road pro trim of either of those will get you just about all the upgrades you need (except maybe r...
by rockstar
Thu Oct 15, 2020 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: What are the financial risks of not owning a house?
Replies: 69
Views: 5865

Re: What are the financial risks of not owning a house?

Your housing costs can grow faster than your income. If I had to do it all over again, I would buy a house in my 20s, rather than my 30s.
by rockstar
Thu Oct 15, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: Off Road Mods?
Replies: 25
Views: 1920

Re: Off Road Mods?

Can you tell us more about your vehicle and intended use? Right now, I have a crossover with AT tires to get around locally. The tires didn't add much weight, so as a daily driver, it's fine. It's good for forest roads, but I wouldn't go on any 4x4 roads near me. I'll get stuck. I'd like to be able...
by rockstar
Thu Oct 15, 2020 12:54 am
Forum: Personal Consumer Issues
Topic: Off Road Mods?
Replies: 25
Views: 1920

Off Road Mods?

Anyone here ever do off road mods to their vehicle? If so, how did you deal with future repairs? Would you do it again? I'm checking out this place for a potential future build for my vehicle, and I'm looking locally to see my options. I live in the southwest, so I have plenty of off road trails to ...
by rockstar
Wed Oct 14, 2020 9:10 pm
Forum: Investing - Theory, News & General
Topic: Seriously, what is going on with international?
Replies: 164
Views: 14173

Re: Seriously, what is going on with international?

Why invest in a market with negative rates?
by rockstar
Wed Oct 14, 2020 9:03 pm
Forum: Personal Consumer Issues
Topic: iPhone SE 2020 or iPhone 12 Mini?
Replies: 110
Views: 7400

Re: iPhone SE 2020 or iPhone 12 Mini?

I looked over the available options. I'm going with the iPhone 12 Pro. I think, it gives you the best new options. I'm upgrading from an 8 Plus. Looks like I'll get $250 for it. It's worth it to me for the better camera. I don't carry a separate point and shoot camera. Something to think about. I'm ...
by rockstar
Tue Oct 13, 2020 9:58 pm
Forum: Investing - Theory, News & General
Topic: How do Bogleheads cope with not beating the market?
Replies: 142
Views: 9991

Re: How do Bogleheads cope with not beating the market?

I use the little book of common sense investing as my guide. Bogle helps me think through expected returns. Then, based on how my portfolio is setup, I determine what I should see in returns. Anything over that is great. That figure isn't always what the S&P 500 returns. I also like Buffet's recomme...
by rockstar
Mon Oct 12, 2020 10:47 pm
Forum: Investing - Theory, News & General
Topic: Whence inflation?
Replies: 127
Views: 6750

Re: Whence inflation?

Reading this thread, it finally makes some sense to me now, how the 3 factors are connected (Trillions in money being printed, Little Inflation, record stock market valuation compared to GNP). It looks all that money just goes into assets, inflating their prices. I think that sums up the situation ...
by rockstar
Mon Oct 12, 2020 6:57 pm
Forum: Investing - Theory, News & General
Topic: "Millennial Millionaire" a Gem
Replies: 20
Views: 3859

Re: "Millennial Millionaire" a Gem

Good stuff.
by rockstar
Mon Oct 12, 2020 6:51 pm
Forum: Investing - Theory, News & General
Topic: Whence inflation?
Replies: 127
Views: 6750

Re: Whence inflation?

Question is not have we inflation or not. We do. TV you are buying once in a while (my TV 12 years old). Food you are buying daily. Food prices increased 10-15% at least. Housing going up (OK you own home and don't care but property taxes up. Mine up). Education up - just paid 2.4% more for my daug...
by rockstar
Mon Oct 12, 2020 5:54 pm
Forum: Investing - Theory, News & General
Topic: Whence inflation?
Replies: 127
Views: 6750

Re: Whence inflation?

a dollar is simply worth whatever it can be exchanged for A goal of U.S. monetary policy is for the dollar to be exchangeable for about 2% fewer goods and services each year. Thence inflation. Ron Another goal is full employment, which should lead to an increase in wages of at least 2% per year. In...
by rockstar
Mon Oct 12, 2020 2:57 pm
Forum: Investing - Theory, News & General
Topic: Evidence for Target Date/LifeStyle Fund vs "low-fee" AUM advisor?
Replies: 33
Views: 1466

Re: Evidence for Target Date/LifeStyle Fund vs "low-fee" AUM advisor?

My accountant sent me a bill that had an additional item added on for $150. He sent an e-mail to cover for a tax item that saved me $50 in taxes. I paid the bill and fired him. He was looking after his financial interests more than mine. In order for an advisor to make sense, they have to save/make ...
by rockstar
Mon Oct 12, 2020 2:33 pm
Forum: Investing - Theory, News & General
Topic: Whence inflation?
Replies: 127
Views: 6750

Re: Whence inflation?

Why? Will the velocity of money increase? You give money to a part of the population that lives nearly paycheck to paycheck. They're going to spend it, not save it. This should drive prices up. Unless money is continually given to them, it seems likely to me to be spent quickly and find its way int...
by rockstar
Mon Oct 12, 2020 1:45 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?
Replies: 91
Views: 4889

Re: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?

Get a boat if you want something to play with. Having owned a few boats... BOAT = Break out another thousand. Two best days owning a boat - the day you buy it and the day you sell it. I know someone that owns a boat. She loves it. She tells anyone that buys a boat that it's a bigger money pit than ...
by rockstar
Mon Oct 12, 2020 1:31 pm
Forum: Investing - Theory, News & General
Topic: Whence inflation?
Replies: 127
Views: 6750

Re: Whence inflation?

Helicopter money referred to as MP3 by Ray Dalio should create bursts of inflation. Why? Will the velocity of money increase? You give money to a part of the population that lives nearly paycheck to paycheck. They're going to spend it, not save it. This should drive prices up. Unless money is conti...
by rockstar
Mon Oct 12, 2020 1:13 pm
Forum: Investing - Theory, News & General
Topic: Whence inflation?
Replies: 127
Views: 6750

Re: Whence inflation?

willthrill81 wrote: Mon Oct 12, 2020 12:38 pm
rockstar wrote: Mon Oct 12, 2020 12:31 pm Helicopter money referred to as MP3 by Ray Dalio should create bursts of inflation.
Why? Will the velocity of money increase?
You give money to a part of the population that lives nearly paycheck to paycheck. They're going to spend it, not save it. This should drive prices up.
by rockstar
Mon Oct 12, 2020 12:31 pm
Forum: Investing - Theory, News & General
Topic: Whence inflation?
Replies: 127
Views: 6750

Re: Whence inflation?

Helicopter money referred to as MP3 by Ray Dalio should create bursts of inflation. However, since we're all staying at home due to COVID and traveling far less, the components of the CPI and their weighting doesn't make a whole lot of sense. The weighting for oil for instance can't be right. I don'...
by rockstar
Mon Oct 12, 2020 11:44 am
Forum: Investing - Theory, News & General
Topic: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?
Replies: 91
Views: 4889

Re: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?

The problem is when the play money grows faster than the rest of your portfolio. I put 5% into AMZN. It's now 9% of my portfolio. I put 5% into TQQQ. It's now 7% of my portfolio. The challenge is when to sell these. rockstar, You need a trading rule to play this kind of game. In my case, when it tr...
by rockstar
Mon Oct 12, 2020 11:41 am
Forum: Personal Consumer Issues
Topic: Shouldn’t have canceled YouTube premium
Replies: 37
Views: 4800

Re: Shouldn’t have canceled YouTube premium

I was paying $9.99 for YouTube premium but decided to cancel. However I realize it was it was a mistake as the no ads and lack of features is worth the money. But now it looks like it costs $2 more per month. I’m guessing there’s nothing I can do to get back to the lower rate unless others have ide...
by rockstar
Mon Oct 12, 2020 11:09 am
Forum: Investing - Theory, News & General
Topic: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?
Replies: 91
Views: 4889

Re: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?

The problem is when the play money grows faster than the rest of your portfolio. I put 5% into AMZN. It's now 9% of my portfolio. I put 5% into TQQQ. It's now 7% of my portfolio. The challenge is when to sell these.
by rockstar
Mon Oct 12, 2020 10:42 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3208
Views: 552598

Re: What are you up YTD? [Year To Date]

GoldenGoose wrote: Mon Oct 12, 2020 10:05 am
rockstar wrote: Sun Aug 30, 2020 8:52 pm 20%+. This is mind boggling.
So what is your return now after a dismal September?
My return as of today is 26% not counting today.
by rockstar
Sun Oct 11, 2020 1:57 pm
Forum: Personal Consumer Issues
Topic: Replacement Wi-Fi 6 Router
Replies: 43
Views: 3618

Re: Replacement Wi-Fi 6 Router

WiFi 6 isn't fully available yet. It's really too early to adopt. Here's more information: https://www.smallnetbuilder.com/wireless/wireless-reviews/33220-wi-fi-6-performance-roundup-five-routers-tested?start=3 What you want to make sure is that you're using the latest broadcom based cable modem wit...
by rockstar
Sat Oct 10, 2020 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should we refinance to a 15-year mortgage?
Replies: 74
Views: 5108

Re: Should we refinance to a 15-year mortgage?

I'm in the process of refinancing into a 30 year mortgage. The difference I was given in rates between the 15 and 30 wasn't huge. I decided to go with the 30 year because it kept my payment low. I still intend to pay it down in 10 years, but I like the idea of having a lower payment. It will lower m...
by rockstar
Tue Oct 06, 2020 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: What is my magic number?
Replies: 33
Views: 5214

Re: What is my magic number?

The back of my envelope says: $150k x 45 = $6750K edit: this assumes your investments keep up with inflation, and you live for 45 more years. It excludes any SS you might receive. I'd consider it conservative. But that is what the back of the envelope is for. This is what I'm thinking. It's a good ...
by rockstar
Mon Oct 05, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: How do YOU handle network security?
Replies: 105
Views: 6078

Re: How do YOU handle network security?

I run a dumb AP with custom firmware on. Check out DD-WRT and openWRT. I have a gateway that's an APU2 that I run software on to manage my NAT and local DNS cache and firewall. I have a dedicated switch. My wifi password was generated here. Typing it in sucks, but it works. https://www.grc.com/passw...
by rockstar
Mon Oct 05, 2020 10:42 am
Forum: Personal Investments
Topic: Having a hard time committing to 3 fund portfolio
Replies: 23
Views: 3439

Re: Having a hard time committing to 3 fund portfolio

Was your target date fund an index fund (such as Fidelity Freedom INDEX Fund or a Vanguard target date fund) with a low ER (Expense Ratio)? No it was a Vanguard institutional target retirement 2055. Go back to the Target Date fund. Keep throwing money into it for the next 10 years. Then evaluate (a...
by rockstar
Mon Oct 05, 2020 9:35 am
Forum: Investing - Theory, News & General
Topic: Treasurys no longer provide the ballast for a portfolio
Replies: 106
Views: 8353

Re: Treasurys no longer provide the ballast for a portfolio

10-year TIPS have] an annualized return of about -1% per year, which is consistent with the quoted yield to maturity of -0.966%. But if you[r] inflation is 1% or more per year, then you'[ll] end up close to zero or slightly above for your yield as your principal will be adjusted each year. This isn...
by rockstar
Sun Oct 04, 2020 8:17 pm
Forum: Personal Consumer Issues
Topic: Favorite Camping Gear
Replies: 75
Views: 5063

Re: Favorite Camping Gear

Used to be big into backpacking, had kids and took several years off, now we're starting back up as car campers. At this stage in our life, our primary considerations are comfort and convenience. I've never been a fan of air mattresses so we recently splurged on the Disc-O-Bed XLs (purchased from C...
by rockstar
Sun Oct 04, 2020 8:15 pm
Forum: Investing - Theory, News & General
Topic: Treasurys no longer provide the ballast for a portfolio
Replies: 106
Views: 8353

Re: Treasurys no longer provide the ballast for a portfolio

Excellent! Another thing to consider is that the negative real yield actually means something; i.e., that your purchasing power (based on CPI) will be less at maturity than at purchase. TIPS quoted yields are based on the unadjusted prices, which can be easily verified by plugging numbers from a re...
by rockstar
Sun Oct 04, 2020 8:01 pm
Forum: Investing - Theory, News & General
Topic: Econ books
Replies: 19
Views: 874

Re: Econ books

Read Ray Dalio's free book.

The papers for the graduate MIT open courseware are pretty good too.

Ultimately, investing is more psychological. I'd look into human behavior.
by rockstar
Sun Oct 04, 2020 5:51 pm
Forum: Investing - Theory, News & General
Topic: [President tests positive for COVID-19 - market impacts]
Replies: 157
Views: 15853

Re: [President tests positive for COVID-19 - market impacts]

Stinky wrote: Sun Oct 04, 2020 11:13 am If Trump gets out of hospital tomorrow, does that mean that the rally can continue?
I think, more certainty would help the markets. The news cycle for this event has been a mess.
by rockstar
Sun Oct 04, 2020 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: How do you keep from getting burned out?
Replies: 70
Views: 7934

Re: How do you keep from getting burned out?

Hiking and camping and working out. All three have been limited this year due to COVID. My biggest problem with any job is getting bored.
by rockstar
Sun Oct 04, 2020 1:24 pm
Forum: Investing - Theory, News & General
Topic: Why not Real Estate instead of Stocks?
Replies: 147
Views: 10023

Re: Why not Real Estate instead of Stocks?

My last real estate agent has four rental properties. She's says those are her retirement. She manages them. Of course, she comes from a place of knowing the industry and having contacts to get stuff done. Another one of friends also owns four properties. Neither of them invest in the stock market. ...
by rockstar
Sun Oct 04, 2020 1:21 pm
Forum: Personal Consumer Issues
Topic: Crawl Space heating idea for Boglehead comments
Replies: 17
Views: 1163

Re: Crawl Space heating idea for Boglehead comments

My last house had a crawl space, and I had lots of trouble with humidity and mold. I would never, ever buy a house again with a crawl space. I recommend sealing it if you have one and regulate the humidity.
by rockstar
Sun Oct 04, 2020 1:19 pm
Forum: Personal Consumer Issues
Topic: Finding Something in life?
Replies: 26
Views: 4119

Re: Finding Something in life?

I'm in my 40s, and I'm still figuring it out. If I had to do it all over again, I'd probably be a National Park ranger or pursue medicine and find work outdoors. I make good money working, but my job doesn't define me. I didn't discover my love of the outdoors until I moved away from the Midwest. Wh...
by rockstar
Sun Oct 04, 2020 1:15 pm
Forum: Personal Consumer Issues
Topic: Trail sneakers
Replies: 53
Views: 2966

Re: Trail sneakers

Hi, I’m hiking 5 miles each day in the woods, the ground is getting slippery with leaves and such. Looking for a light pair of trail sneakers, not hiking boots, have those,, Thanks! I did a trail race last October and chose my Topo trail runners with a Vibram sole. I have two pair now, they are bet...
by rockstar
Sun Oct 04, 2020 12:06 pm
Forum: Personal Investments
Topic: Having a hard time committing to 3 fund portfolio
Replies: 23
Views: 3439

Re: Having a hard time committing to 3 fund portfolio

Check this out. Read pages 11 through 14. https://berkshirehathaway.com/letters/2017ltr.pdf I'm more of a fan of the 1 or 2 fund portfolio, where I'll opportunistically buy preferred stock when I can get it under par. Otherwise, I'm all for holding one equity index fund and some fixed income. I leav...
by rockstar
Sat Oct 03, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: Compressing .PDF File
Replies: 25
Views: 1323

Re: Compressing .PDF File

Try 7zip. But don't expect much change.
by rockstar
Sat Oct 03, 2020 6:37 pm
Forum: Investing - Theory, News & General
Topic: Treasurys no longer provide the ballast for a portfolio
Replies: 106
Views: 8353

Re: Treasurys no longer provide the ballast for a portfolio

TL:DR. It sounds like from some of the forum comments that this was just one more instance of click bait written by somebody who a) doesn't understand the basics of investing or b) has an agenda. I'm not sure what exactly is meant by "ballast," but a healthy ladder of US treasuries will always prov...
by rockstar
Sat Oct 03, 2020 5:31 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4665
Views: 1287104

Re: What Book Are You Currently Reading? Part VI

And Then There Were None.

I finished last month: The Man Called Ove and the Martian.
by rockstar
Sat Oct 03, 2020 1:38 pm
Forum: Investing - Theory, News & General
Topic: Treasurys no longer provide the ballast for a portfolio
Replies: 106
Views: 8353

Re: Treasurys no longer provide the ballast for a portfolio

beernutz wrote: Sat Oct 03, 2020 7:26 am Author has a degree in Philosophy and Psychology.
What does it matter? Most Wall Street jobs are sales jobs. They'd be just as well as off hiring used car salesmen.
by rockstar
Sat Oct 03, 2020 1:36 pm
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 233
Views: 16493

Re: A simpler car.

I have a feeling I'm in the minority here but I'm thinking about buying a simpler older car, I recently sold my (2007) car I really liked I had all the bugs worked out but the paint was starting to go and I didn't want to spend $3k. I bought a 2015 car it had a transmission issue that I fixed but I...
by rockstar
Sat Oct 03, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: Help with YouTube TV buffering issue
Replies: 38
Views: 2292

Re: Help with YouTube TV buffering issue

You could hard-wire your ATV to your router. I assume your router is next to your modem. If your ATV is next to a working cable outlet you can buy a pair of MOCA adapters like this: https://smile.amazon.com/MOTOROLA-Adapter-Ethernet-Bonded-MM1000/dp/B077Y3SQXR/ref=sr_1_5?crid=3EU666L0AXK8T&dchild=1...
by rockstar
Sat Oct 03, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Music for a camping trip
Replies: 66
Views: 4059

Re: Music for a camping trip

You're going to make neighboring campers mad. No one wants to hear your music while camping out. I suggest headphones.