Search found 32721 matches

by Valuethinker
Mon Nov 20, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 88
Views: 5755

Re: Is holding bonds now dangerous?

One aspect of bond risk not commented upon is the liquidity risk. There has been discussion of this in the press including by El-Erian. it seems to difficult to judge. But apparently it does exist. TJSI It's not really a risk for the small investor. It's not a risk with holdings of US Treasury bond...
by Valuethinker
Mon Nov 20, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)
Replies: 5
Views: 253

Re: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)

Though I am late to the electric party, late is better than never. I keep hearing about the advantages of battery-powered cars. No longer will I be left out. None of that is really true? You are not late, for cars that have less than 1% market share. I might as well say "I am late to the steam car ...
by Valuethinker
Mon Nov 20, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: what should I change??
Replies: 4
Views: 254

Re: what should I change??

Need advice on whether I should change anything with my personal finance situation: We are a family of 3 (mid 30’s with a 3 year old). Combined earnings $400k a year Save $60k in 401k and Roth and $40k in espp House is $700k and own 25% ~ $600k in retirement accounts ~ $100k in savings account ~ $2...
by Valuethinker
Mon Nov 20, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)
Replies: 5
Views: 253

Re: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)

Though I am late to the electric party, late is better than never. I keep hearing about the advantages of battery-powered cars. No longer will I be left out. None of that is really true? You are not late, for cars that have less than 1% market share. I might as well say "I am late to the steam car ...
by Valuethinker
Mon Nov 20, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)
Replies: 5
Views: 253

Re: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)

Though I am late to the electric party, late is better than never. I keep hearing about the advantages of battery-powered cars. No longer will I be left out. I have decided a used Leaf will be my next and only car. My question to those of you in the know is about learning. I am sure the internet ab...
by Valuethinker
Mon Nov 20, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Temperature setting for radiant floor heat
Replies: 6
Views: 507

Re: Temperature setting for radiant floor heat

My kitchen only had a toe-kick element under the sink cabinet as the source of heat. I found this very inadequate and after some research I opted to install radiant floor heat in my kitchen. My kitchen floor is the old fashion 3/4" oak flooring. It was a semi-DIY project. I purchased all the compon...
by Valuethinker
Mon Nov 20, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Contemplating offer on a house with SolarCity lease
Replies: 14
Views: 1057

Re: Contemplating offer on a house with SolarCity lease

I did the SolarCity thing - but I'm not quite sure if it's the same thing we are talking about here. SolarCity put panels on my roof (I replaced the roof before the panels went on because it was about 20 years old at that point) and I paid nothing for the panels. I now pay SC a reduced rate for the...
by Valuethinker
Mon Nov 20, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Contemplating offer on a house with SolarCity lease
Replies: 14
Views: 1057

Re: Contemplating offer on a house with SolarCity lease

That moment when you wonder if you've made a terrible mistake... I did the SolarCity thing - but I'm not quite sure if it's the same thing we are talking about here. SolarCity put panels on my roof (I replaced the roof before the panels went on because it was about 20 years old at that point) and I...
by Valuethinker
Mon Nov 20, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 21
Views: 1420

Re: Electric Car (Nissan Leaf) for a teen driver?

Daughter #2 is about to earn her learners permit and I'll soon be having to think about what kind of car to get her. Our oldest daughter got her mother's hand-me-down 10-year old CR-V. But we don't have any cars ready to hand down at this point so we will need to find something for Daughter #2. Her...
by Valuethinker
Mon Nov 20, 2017 6:09 am
Forum: Investing - Theory, News & General
Topic: Question about Vanguard Total Bond Market ETF (BND)
Replies: 8
Views: 752

Re: Question about Vanguard Total Bond Market ETF (BND)

It doesn't hold more corporates because the Bloomberg Barclays U.S. Aggregate Float Adjusted Index which the fund tracks does not include more corporates. Including more corporates would cause tracking error (positive or negative) relative to the investment goal. You may be interested in the Vangua...
by Valuethinker
Mon Nov 20, 2017 5:50 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 93
Views: 7788

Re: The valet smashed my Tesla into a brick wall!

In addition to diminished value you should also consider the depreciation of the car if it is in the shop for six months waiting for parts. Here's where I might be able to help. I would think that a Tesla forum would have information on availability of parts and repair techniques and manufacturer r...
by Valuethinker
Mon Nov 20, 2017 5:37 am
Forum: Investing - Theory, News & General
Topic: AI/Machine Learning/Deep Learning in Investing
Replies: 8
Views: 834

Re: AI/Machine Learning/Deep Learning in Investing

Hopes101 wrote:
Sat Nov 18, 2017 8:52 am
I heard the programs are being developed in both academic and private setting. Are there any programs available to personal investors?
Not AFAIK.

It's worth reading Andrew Lo's book on Adaptive Markets.
by Valuethinker
Mon Nov 20, 2017 5:36 am
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 53
Views: 3992

Re: Buying and Spending Bitcoin

One thing I am learning is that there is a different set of knowledge to buy and use bitcoin than there is for understanding the theory behind it. A few months ago I watched the Khan Academy videos and read a bunch of stuff about bitcoin and blockchain. (See thread: What is Bitcoin? ) So I have a p...
by Valuethinker
Sun Nov 19, 2017 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: help assessing risk of promissory note w/ Techshop, Inc.
Replies: 42
Views: 6960

Re: help assessing risk of promissory note w/ Techshop, Inc.

I am disappointed that they closed. They never communicated well with investors. And now they suddenly closed and have failed to answer back to my emails. I'd also like to know the next step in this. Would hiring an attorney help get some answers from the management at Tech shop on what investors c...
by Valuethinker
Sat Nov 18, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 88
Views: 5755

Re: Is holding bonds now dangerous?

I would like to get a sampling of what people think about investing in bonds in the current environment. For the past 35 or so years, bond yields have on average declined, which has meant that bonds are both safe in terms of principal/interest and have also appreciated. However with interest rates ...
by Valuethinker
Sat Nov 18, 2017 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Bitcoin
Replies: 131
Views: 10348

Re: Bitcoin

When you own companies that are profitable, those businesses grow in size. You receive dividends which when reinvested buy you more shares. If you buy 1 bitcoin, in 100 years you'll still just have 1 bitcoin. The value of that bitcoin may be more than you paid for it. But that's still gambling, not...
by Valuethinker
Fri Nov 17, 2017 7:36 am
Forum: Investing - Theory, News & General
Topic: Goldman Sachs mulls the death of the value factor
Replies: 18
Views: 2000

Re: Goldman Sachs mulls the death of the value factor

An interesting article from from GS explaining the reasons why value has underperformed for a long spell: https://www.bloomberg.com/news/articles/2017-06-08/goldman-sachs-mulls-death-of-value-investing-after-losing-decade . GS believes a conjunction of macroeconomic factors and monetary policy are ...
by Valuethinker
Fri Nov 17, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3680

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

The salary bump from this move MAY have an effect on the pay at any subsequent jobs that you may or may not get. Do you expect this to be your final company? Ralph Interesting - how are you thinking of that? That a bump going to a HCOL area would help later? Or hurt? Odds that this is my final comp...
by Valuethinker
Fri Nov 17, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3680

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

here are lots of good private colleges in New England and the Mid-Atlantic states, probably more than in many other parts of the country. There's even one in New Haven ;-) ... I was thinking of the cost issue. Although private colleges are famous, I suspect the majority of Americans actually attend...
by Valuethinker
Fri Nov 17, 2017 6:09 am
Forum: Investing - Theory, News & General
Topic: The World's Negative Interest Rate Experiment
Replies: 34
Views: 3260

Re: The World's Negative Interest Rate Experiment

Negative central bank policy rates are mostly applied to bank reserves kept on deposit with them in excess of what regulations require . Other than those, bond yields are set by continuous, ongoing auctions. Nobody buys a bond with a yield to maturity , YTM, lower than they will accept, even if it'...
by Valuethinker
Fri Nov 17, 2017 6:04 am
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 53
Views: 3992

Re: Buying and Spending Bitcoin

At about a quarter to eight in the evening, I check the iPhone for about the millionth time. 0.006531 BTC Success! :sharebeer The transaction was confirmed. I looked on Block Explorer and it had 1 confirmation. Actually, it is never really complete. If you are selling something, they recommend that...
by Valuethinker
Fri Nov 17, 2017 6:01 am
Forum: Investing - Theory, News & General
Topic: Should you own only non-U.S. stocks?
Replies: 63
Views: 6120

Re: Should you own only non-U.S. stocks?

I just think it is foolish to say that valuations don't matter, they clearly do. None of this is exact, we can sustain high stock returns if P/E ratios keep expanding. But they won't keep expanding into infinity. At some point, there will be a reversion to the mean. At some point if this keeps us, ...
by Valuethinker
Fri Nov 17, 2017 5:53 am
Forum: Investing - Theory, News & General
Topic: How would one go about evaluating two different (but similar) bond etf funds?
Replies: 1
Views: 260

Re: How would one go about evaluating two different (but similar) bond etf funds?

How would one go about evaluating two different (but similar) bond ETF funds? I need to go through a list of bonds and determine funds that are a good substitute for one another. Our custodian is now charging a transaction fee for certain funds and I need to change the funds we use for monthly reti...
by Valuethinker
Thu Nov 16, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: BMW to Chevy Bolt?
Replies: 30
Views: 2262

Re: BMW to Chevy Bolt?

We worry that EVs have insufficient range. But we also worry that we may drive them too many miles in a year :? :? OP has not mentioned the BMW i3, but that might be a better choice from a seat/ interior finish viewpoint? (however, less range?). I agree with this sentiment. 2015 i3 RExs coming off ...
by Valuethinker
Thu Nov 16, 2017 5:27 pm
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 53
Views: 3992

Re: Buying and Spending Bitcoin

Forgive my ignorance on monetary policy, but can the Federal Reserve come up with a cryptocurrency? In other words, can they decide one day that they will substitute the dollar for their own cryptocurrency? In Europe many countries were switched to the Euro in the not so distant past, could they do...
by Valuethinker
Thu Nov 16, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: BMW to Chevy Bolt?
Replies: 30
Views: 2262

Re: BMW to Chevy Bolt?

The lease is for 15k miles per year (45k miles total). My past history indicates that I drive 13k per year. Great! Sounds like everything would work out nicely for you. I know about lease mileage overages as my wife leased a Altima many years ago, and sure enough, she ran over her mileage limit. Sh...
by Valuethinker
Thu Nov 16, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin: Significance of 12 transactions per second?
Replies: 28
Views: 2858

Re: Bitcoin: Significance of 12 transactions per second?

It did not exist prior to 2009. It has no inherent value. Where does such an asset fit into a plan we're supposed to follow for 30, 40 years? Nowhere. There are a lot of currencies that have no inherent value. The problems with bitcoin lie elsewhere. As a result I haven't purchased any bitcoins. Th...
by Valuethinker
Thu Nov 16, 2017 1:25 pm
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 53
Views: 3992

Re: Buying and Spending Bitcoin

wow , in the future we wont need money at all... thats creepy! Bitcoin isn't money? Or did you mean simply no cash, just plastic? Not sure where USA is on this, but in the UK "touch and pay" chip credit and debit cards are big. And having sworn I'd never use it, I use it (credit card) that way all ...
by Valuethinker
Thu Nov 16, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: BMW to Chevy Bolt?
Replies: 30
Views: 2262

Re: BMW to Chevy Bolt?

Hi fellow bogleheads, I currently drive a 2012 BMW 335i coupe which comes off CPO warranty in 8 months from now. It has been a fairly reliable car, but has had about $5k in repairs under warranty. I am concerned about ongoing maintenance costs going forward. My local Chevy dealer has a 0 down 0 dri...
by Valuethinker
Thu Nov 16, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin: Significance of 12 transactions per second?
Replies: 28
Views: 2858

Re: Bitcoin: Significance of 12 transactions per second?

How about "it is showing all the characteristics of an asset bubble?" The area is very speculative, but bubbles usually involve wide participation and high market caps. Cryptocurrencies are still very clunky to use, limiting the field to enthusiasts right now. The entire cryptocurrency space only h...
by Valuethinker
Thu Nov 16, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3680

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

... A significant consideration. In that UT at Austin is one of the best, and one of the best funded, state universities in America-- because UT has its own endowment from oil money, it's in a lot better shape than many (fine) state universities like Illinois and Wisconsin? But, then, getting into ...
by Valuethinker
Thu Nov 16, 2017 12:04 pm
Forum: Investing - Theory, News & General
Topic: Holding VTSAX only
Replies: 33
Views: 3477

Re: Holding VTSAX only

If you want to be 100% stocks, TSM is a fine choice, though I agree with those upthread who feel that some international exposure is helpful in this global world we live in. That said, you note you are young. Have you ever experienced a severe market downturn with this allocation? It's only during ...
by Valuethinker
Thu Nov 16, 2017 11:56 am
Forum: Investing - Theory, News & General
Topic: The World's Negative Interest Rate Experiment
Replies: 34
Views: 3260

Re: The World's Negative Interest Rate Experiment

Does the cash in the brokerage account also incur negative interest rate? There has to be better methods of storing money than putting the bundles in microwave. I don't think most Europeans have stockbroking accounts -- investing is done direct through banks or insurance companies. However a broker...
by Valuethinker
Thu Nov 16, 2017 11:53 am
Forum: Investing - Theory, News & General
Topic: The World's Negative Interest Rate Experiment
Replies: 34
Views: 3260

Re: The World's Negative Interest Rate Experiment

Wouldn't investors simply move toward investments with higher yields? Yes, this does appear to be happening to a degree. One interesting aspect is that foreign investors have even been piling into U.S. municipal bonds (chart below) — even though they can't take advantage of the tax benefits and are...
by Valuethinker
Thu Nov 16, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3680

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

More great input, thanks. A few more responses: -I agree that living in Hartford has it's own challenges. We'd most likely be looking at cities on the west side of Hartford (in the Farmington Valley - Avon, Simsbury, Farmington most likely). So we definitely won't be in the municipality. More just ...
by Valuethinker
Thu Nov 16, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3680

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

Offhand I'm surprised that people would specifically tag Connecticut as being a problem. I'm not really familiar with it (mostly drive through it) but I can't think of anything so awful about the state of Connecticut as a whole that would lead you to cross a job off the list if the job otherwise lo...
by Valuethinker
Thu Nov 16, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: Holding VTSAX only
Replies: 33
Views: 3477

Re: Holding VTSAX only

I borrowed the following from Taylor Larimore--some really good info. I basically only hold VTSAX--after doing some research, and figuring out my risk tolerance. I feel it is good for me...simple, boring, cheap, but in the end, hopefully, extremely effective. Do others follow the strategies of the ...
by Valuethinker
Thu Nov 16, 2017 10:50 am
Forum: Investing - Theory, News & General
Topic: Car loans vs. Home loans - Are markets efficient?
Replies: 12
Views: 1026

Re: Car loans vs. Home loans - Are markets efficient?

I had a thought earlier today and could not come up with a great solution on my own, so I'm hoping wiser Bogleheads than I can illuminate the subject. This is my question: Markets are efficient, right? That's a foundational premise of being a Boglehead. However, I notice that there are a lot of peo...
by Valuethinker
Thu Nov 16, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: The World's Negative Interest Rate Experiment
Replies: 34
Views: 3260

Re: The World's Negative Interest Rate Experiment

I'm curious if retail clients and the average person on the street ever saw negative interest rates on their deposits? Or is this the negative rate primarily between the central bank and other lending institutions? Oh they are quite real. You pay the bank for looking after your money. At least in S...
by Valuethinker
Thu Nov 16, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 67
Views: 4259

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

Nortel. It was 25% of Canadian stock market, and then dropped from $125 ish to $25. So I shrewdly " caught the falling knife". Broker did a "give commission to charity day" so I sold it for $0.01. It was in a tax protected account so could not use the capital loss. Say $6k down the drain - a useful...
by Valuethinker
Thu Nov 16, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: The World's Negative Interest Rate Experiment
Replies: 34
Views: 3260

Re: The World's Negative Interest Rate Experiment

when it ends it's going to end real BADLY!!! It hasn't ended in Japan, yet, and they've been experimenting with very low interest rates for over 2 decades. I think the ECB is going to be stuck, it's not going to be able to unwind QE for quite a long time to come. The Eurozone will neither spring to...
by Valuethinker
Thu Nov 16, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3680

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

I spent quite a bit of time out in Hartford working with a client. Make sure you like the place. The countryside in CT is scenic, but Hartford is an extremely small city. Go one block in the wrong direction and you need to worry about being shot or mugged. Aside from that, dining options are fairly...
by Valuethinker
Thu Nov 16, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3680

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

One thing to keep in mind is that if you move somewhere there is a good chance that your kids will end up settling down there which could be difficult for them with the expensive housing. I moved cross country to Atlanta in a corporate merger when my son was in middle school. The plan was that we w...
by Valuethinker
Thu Nov 16, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3680

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

Thanks for all the thoughts so far. A few things in response to a some comments and questions so far: -We'd be going to the Hartford area - the job is in one of the western suburbs. -We don't actually like Texas all that much. It's fine, but we've liked other places much more. -We've lived in Bosto...
by Valuethinker
Thu Nov 16, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 101
Views: 7276

Re: Has used furniture dropped in value dramatically?

I actually read an article about this recently. Sorry I can't remember where. The gist was that you can't give away antique furniture these days. The bottom has completely fallen out of the industry because millennials aren't buying it. Antiques shops -- the ones still in business -- have shifted t...
by Valuethinker
Thu Nov 16, 2017 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Property company offering high yield
Replies: 5
Views: 450

Re: Property company offering high yield

Yeah, so it seems these are both limited companies (which anyone could set up). I had a read through their site. Your funds are basically received by an new company and invested from there. Your money is parceled with other investors. A new company rings alarm bells because couldn't someone set up ...
by Valuethinker
Thu Nov 16, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Regrets after reaching retirement?
Replies: 42
Views: 4255

Re: Regrets after reaching retirement?

Follow the Golden Rule in life and you will have no regrets. Treat yourself and others as you would like to be treated. Be nice to yourself. Moderation in everything, it's okay to spend for present consumption so long as you are spending (saving/investing) for future consumption. Do not be a miser,...
by Valuethinker
Thu Nov 16, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Sobering article for my 25 year old self
Replies: 57
Views: 6570

Re: Sobering article for my 25 year old self

This article is one of the most compelling arguments for saving as much as possible I have found. Hopefully it will help some folks avoid getting into their 50s and suddenly realizing they have little hope of making it to financial independence. The good news in this article is if you save >50% inv...
by Valuethinker
Thu Nov 16, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5140

Re: Keurig died...what now?

Aren't the cups those things use environmental disasters? True but think of all the plastic in your car. That's not good logic. Drunk driving will kill me so I should not give up smoking? Doing X will only save 20 dollars. But I waste 100 dollars here so there is no point? Anyways cars last an aver...
by Valuethinker
Thu Nov 16, 2017 5:33 am
Forum: Personal Consumer Issues
Topic: Better way to get rid of old fridge?
Replies: 38
Views: 2423

Re: Better way to get rid of old fridge?

Same here. I got a 'free' fridge from someone who had just pushed it to the curb and was hanging the sign. Best thing ever! Now it's in our garage, full of soda, beer, fruit cups & ice cream :beer Living in SoCal you would know this but one should always use a plug meter on an old fridge. It could ...