Search found 118 matches

by blood_donor
Tue Dec 30, 2014 1:53 pm
Forum: Personal Investments
Topic: Using Wash Sale Rule to avoid Capital Gains
Replies: 2
Views: 547

Using Wash Sale Rule to avoid Capital Gains

I own some VNQ (REIT ETF) in a Fidelity brokerage account. I have about 30% long term cap gains saved up on this one. Since it is a competitor, Fidelity happily charges me $8/trade on this ETF. Suppose I were to sell it, and right away buy a "no transaction fee" REIT ETF that Fidelity offers, such a...
by blood_donor
Sun Sep 30, 2012 3:59 pm
Forum: Personal Investments
Topic: Need Suggestions: taxable portfolio, modest risk
Replies: 2
Views: 538

Need Suggestions: taxable portfolio, modest risk

I have about $100k that I need to allocate in a taxable portfolio. Goals for this money: keep up with inflation, maybe throw off a little income which can be shunted into Roth IRA and kids 529s. I would say we are "moderate" in terms of tolerance to fluctuation. My initial thought was a 50/50 split,...
by blood_donor
Wed Nov 25, 2009 3:51 pm
Forum: Personal Investments
Topic: Advisor: in service 401(k) rollover possible, me: ???
Replies: 5
Views: 834

Advisor: in service 401(k) rollover possible, me: ???

A financial planner (salesman) called me and told me that since my employer is switching from Fidelity to a new 401(k) administrator, that I may be able to take all my 401(k) money out and roll it over into a self directed IRA. Now, I called Fidelity, and they said that since I was well under 59 1/2...
by blood_donor
Tue Oct 28, 2008 9:35 pm
Forum: Personal Investments
Topic: "Fun" Money: Short Oil?
Replies: 23
Views: 5030

That was fun!

Call it beginner's luck, or whatever, but I did in fact put a little money into DUG when oil was at around $130. I hung on until it got down to $85, then sold... Did I make lots of money? No, because I was only man enough to risk $1500. Did I make a huge percentage gain? Yes. But the rest of my port...
by blood_donor
Mon Sep 29, 2008 4:14 pm
Forum: Personal Investments
Topic: Emergency FUnd / Money Market Fund Questions
Replies: 6
Views: 1859

Seems like you would want to move some of the money into another account so that the MM was insured by Treasury and then the remainder FDIC? I'm interested in this question as well. With over $100k in Vanguard's NY State tax-deferred MMF, would that money be safer elsewhere? What if there's a run on...
by blood_donor
Sun Sep 28, 2008 2:46 pm
Forum: Personal Investments
Topic: How to check the financial status of banks
Replies: 4
Views: 2416

Re: How to check the financial status of banks

Chava, Israeli? If so, L'Shanah Tovah! (I wish I was visiting there right now) A good place to look is the stock research, if you have access to it, from a place like Fidelity.com. Analysts who say bad things about your bank may give interesting rationale for it, or they may not. They will tend to t...
by blood_donor
Sat Sep 27, 2008 10:51 pm
Forum: Personal Investments
Topic: Emergency FUnd / Money Market Fund Questions
Replies: 6
Views: 1859

Emergency FUnd / Money Market Fund Questions

The credit market meltdown has really grabbed my attention (I was a "set it and forget it guy up until now). My cash "emergency fund" savings are split into 2 buckets: ~$10,000 in my FDIC insured bank Money Market Checking account for quick access; $50,000 at Fidelity, sitting in FDRXX (Fidelity Cas...
by blood_donor
Sat Aug 23, 2008 10:49 pm
Forum: Personal Consumer Issues
Topic: Online backup/storage service - Recommendations?
Replies: 17
Views: 4299

I have been using Carbonite for about 1.5 years and so far I am satisfied. Cost is reasonable, seems to work well.
by blood_donor
Sat Aug 23, 2008 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Please Explain Separate Accounts.
Replies: 19
Views: 5095

When I was less informed, my "advisor" (Ameriprise salesman) had me in a SMA managed by Salomon Brothers. I was so ignorant I didn't understand the damage she was doing to me--this was taxable money! Churn was high, and I was paying cap gains when things went up, then had to bank losses when things ...
by blood_donor
Sat Aug 23, 2008 10:32 pm
Forum: Personal Consumer Issues
Topic: DIY wiring question
Replies: 16
Views: 4731

Re: DIY wiring question

There is some wisdom, here.
ualdriver wrote: Even if it meets code , I wouldn't wire it like that anyway. You wouldn't want a dishwasher electrical fault that trips the shared breaker to kill electricity to your refrigerator and spoil your food!
by blood_donor
Sat Aug 23, 2008 10:20 pm
Forum: Personal Consumer Issues
Topic: DIY wiring question
Replies: 16
Views: 4731

Wow, thanks, that is a great resource! According to the book, a typical dishwasher may draw about 8.3A, or 15.5A if hypothetically the motor and heating coil were running at the same time. The sticker on my dishwasher says "8.6 Total Amps". It looks like my fridge is rated at 6.5A for "Full Load Dem...
by blood_donor
Sat Aug 23, 2008 9:41 pm
Forum: Personal Consumer Issues
Topic: DIY wiring question
Replies: 16
Views: 4731

DIY wiring question

Hi, In an effort to save some money, I am installing my own dishwasher, after the 25 year old previous one croaked. The old machine was wired directly to a 15 amp power line which also fed the garbage disposal, but it was a sloppy splice job that is obviously not up to code (was not done in a juncti...
by blood_donor
Tue Jun 10, 2008 6:11 am
Forum: Personal Finance (Not Investing)
Topic: OT - Hybrid technology
Replies: 51
Views: 7912

Re: Down memory lane: 2003, Ford and GM's Prius-style cars

http://www.leftlanenews.com/spied-ford-fusion-hybrid.html The New York Times, Nov 6, 2003 p C1 G.M. Puts Off Its Hybrids, Letting Ford Go First. General Motors has delayed plans to sell a hybrid vehicle similar to the Toyota Prius by two years, until 2007, according to people close to the company's ...
by blood_donor
Mon Jun 09, 2008 8:01 am
Forum: Personal Finance (Not Investing)
Topic: OT - Hybrid technology
Replies: 51
Views: 7912

Re: Can Detroit change???

We are. The problem is that there is limited flexibility in the business (unionized workforce, huge capital costs, etc.) which make major changes to product portfolio take a long time. Smaller, more fuel efficient vehicles are coming. It takes a while to get there. For example, I think you will see ...
by blood_donor
Sun Jun 08, 2008 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: OT - Hybrid technology
Replies: 51
Views: 7912

I think things will go like this, to meet CAFE going forward: Lighter, smaller vehicles Smaller less powerful engines (no more 7s family haulers) Some hybrids Some diesels Some gas turbo direct injection V8s will become rich man's toys V6s will be luxury/truck motors I4s will be standard Basic cars ...
by blood_donor
Sun Jun 08, 2008 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Electric Lawn Mowers?
Replies: 12
Views: 4541

Electric Lawn Mowers?

The recent lawn mower thread got me thinking... I hate my 15 year old Craftsman gas mower. It is heavy, slow, hard to turn, shaky, and loud. It is a bagger and does not do mulching well at all. I have a modestly sized lawn, approximately 1500 square feet or so, the back yard has some tree roots. I d...
by blood_donor
Sun Jun 08, 2008 2:20 am
Forum: Investing - Theory, News & General
Topic: TIP ETF Tax question
Replies: 2
Views: 968

TIP ETF Tax question

How does an ETF that holds TIPS (like, say, TIP) work, with taxes?
Does the fact that the TIPS are in an ETF save me from the nasty tax on the principle adjustment?

Is it as better to hold a TIPS ETF in a taxable account, compared to any other bond fund, or no different?
by blood_donor
Sun Jun 08, 2008 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Free x-plan
Replies: 2
Views: 1151

Free x-plan

I'm a Ford employee (engineering) and I have some x-plan employee discounts to give away to my Diehard friends, or those of you who don't doggedly buy used cars :-) If you are interested in a no-haggle low price on a Ford/Lincoln/Mercury/Volvo/Mazda, drop me a PM. Offers like cash back will still be...
by blood_donor
Tue Apr 22, 2008 3:49 pm
Forum: Personal Investments
Topic: "Fun" Money: Short Oil?
Replies: 23
Views: 5030

See, it's comments like this that make me itchy! Every time a bubble is about to burst, it seems like you have these signs: People who aren't usually involved in a market jumping in, often with money they can't afford to lose; Pundits saying the price won't come down to historical levels, "this time...
by blood_donor
Tue Apr 22, 2008 2:50 pm
Forum: Personal Investments
Topic: "Fun" Money: Short Oil?
Replies: 23
Views: 5030

"Fun" Money: Short Oil?

I have a responsible, low cost, diverse set of investments in my Roth IRA and 401(k). That being said, when I see $120/bbl oil, with an exponential like rise in the last few months, I get itchy to gamble. So I'd like to take a small part of my portfolio, say about 4%, and use it to short oil. I see ...
by blood_donor
Thu Apr 10, 2008 7:30 am
Forum: Personal Investments
Topic: I just did the unthinkable -- Drastically changed my AA!
Replies: 58
Views: 12960

Re: I just did the unthinkable -- Drastically changed my AA!

[monty python] A witch! A witch! Burn her![/monty python] For the past year, I've been self-educating myself greatly in the Boglehead method. I find it very compelling and sound in logic. However, I can't help but believe -- I know this sounds cliche -- this period of market circumstances is differe...
by blood_donor
Tue Apr 08, 2008 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: trying to sell my car
Replies: 10
Views: 3308

Re: trying to sell my car

Craigslist!!! I sold my 9 year old Volvo, 130,000 miles in 3 days. I had three serious calls in two days, and a bank check on day 3. Just weed out the flakes (hint: they won't show up). I have a 2000 Honda Civic LX in pretty good condition with just 50 K miles on it. The Honda dealership I bought it...
by blood_donor
Sun Apr 06, 2008 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Digital TV...new digital recorders?
Replies: 4
Views: 1658

Thanks for the info. What about radios? Are radios next for the analog scrap pile? HD Radio is here, and it is good, but unlike HDTV, HD Radio is not mandated by the .GOV, rather, it is an attempt by terrestrial radio to compete with satellite radio. And, as far as I can see, HD Radio wins, 'cause ...
by blood_donor
Thu Apr 03, 2008 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Digital TV...new digital recorders?
Replies: 4
Views: 1658

Recorders that are used over the air will not record broadcasts anymore unless they are plugged in to a converter box, or cable TV service. New models are out with digital tuners built in but they are limited to standard definition quality. Echostar will be selling a set top box with hard drive DVR.
by blood_donor
Sun Mar 30, 2008 10:53 pm
Forum: Personal Investments
Topic: KSODAPOP - Help disabled investor sort out advisor mess
Replies: 44
Views: 8894

Pursue remedy

KSODAPOP, Don't hire a lawyer, rather try these things. Call the broker (bank?) who sold you the s*** munis and ask how to file a complaint for an unsuitable investment. They have a process, arbitration. Also, go to the NASD web site and read up on it, as you may need to file a complaint with them. ...
by blood_donor
Sat Mar 29, 2008 6:40 pm
Forum: Personal Investments
Topic: KSODAPOP - Help disabled investor sort out advisor mess
Replies: 44
Views: 8894

File a comlaint

KSODAPOP, Look into filing a complaint with NASD and arbitration with your former advisor; if the Muni funds, especially high yield muni funds were not suitable for your situation, you may be able to recover some or all of your losses. Also, you absolutely MUST watch your spending, like a hawk. Ever...
by blood_donor
Thu Mar 27, 2008 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Toddlers is Funny!
Replies: 13
Views: 3313

We're saving the best stuff for the wedding!!!
stratton wrote:More fun comes after you video tape the toddler and later when they are a teenager you can threaten to show the tapes to their friends. :-)

Paul
by blood_donor
Tue Mar 25, 2008 9:10 pm
Forum: Personal Investments
Topic: Help: Good Adviser Wanted, Chicago
Replies: 4
Views: 1711

Free bump... only one response so far?!?
by blood_donor
Mon Mar 24, 2008 10:26 pm
Forum: Personal Investments
Topic: Help: Good Adviser Wanted, Chicago
Replies: 4
Views: 1711

Yes, this is a good point, however, I think he would feel much warmer and fuzzier if he could actually meet with his adviser in person. I have no recommendation, but, I wanted to remind you that with today's internet, email, fax, and telephone there is the thought that he might not want to limit his...
by blood_donor
Mon Mar 24, 2008 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: buffets or per-pound pricing: what kind of consumer are you?
Replies: 10
Views: 2684

Re: buffets or per-pound pricing: what kind of consumer are

Aye, there's the rub: more stuff does not usually mean more time. So happiness may not really increase. That being said, I could use "better" vacations, and a bigger house, but other than that, not much would change. our january natural gas bill came and it said $0 due, w/ the same meter reading as ...
by blood_donor
Mon Mar 24, 2008 9:29 pm
Forum: Personal Investments
Topic: Help: Good Adviser Wanted, Chicago
Replies: 4
Views: 1711

Help: Good Adviser Wanted, Chicago

My cousin is interested in hiring a financial adviser to invest his money (both taxable and retirement accounts). He understands correctly the loaded-fund sales system, but he does not want to spend the time and energy to DIY; in fact, the tells me that if he did it himself he would not be able to r...
by blood_donor
Sun Mar 23, 2008 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Disaster preparedness
Replies: 34
Views: 7373

You are correcr, statistically any person has a low probability of being hurt or killed in civil unrest or natural disaster. However, the severity of being one of the unlucky is such that some insurance is not a bad way too get some peace of mind. Like home owner's insurance. I do think that guys wh...
by blood_donor
Sun Mar 23, 2008 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Toddlers is Funny!
Replies: 13
Views: 3313

Re: Toddlers is Funny!

BTW, anyone know if eating raw garlic can be harmful to small children? My research is inconclusive. My 2.5 year old girl decided she wanted to eat some raw garlic (we had some out in a bowl prior to cooking). Me: "You don't want to eat that, it will taste yucky" Her: "I want it." (grabs a clove) Me...
by blood_donor
Sun Mar 23, 2008 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Disaster preparedness
Replies: 34
Views: 7373

I think a prudent thing to do is to own a case or three of MREs just in case. I have 2 cases sitting in the basement, which I hope to never need to eat, but it makes me feel warm and fuzzy that they are there.
by blood_donor
Sun Mar 23, 2008 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Toddlers is Funny!
Replies: 13
Views: 3313

Toddlers is Funny!

My 2.5 year old girl decided she wanted to eat some raw garlic (we had some out in a bowl prior to cooking). Me: "You don't want to eat that, it will taste yucky" Her: "I want it." (grabs a clove) Me: "You really shouldn't eat that, you'll be stinky!" Her: "I want to eat it." runs away before I can ...
by blood_donor
Sat Mar 15, 2008 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Fuel efficient cars
Replies: 45
Views: 10222

Also, a Civic is 5x more fun to drive than a Prius, and is nicer looking too. I didn't like the way the regenerative brakes felt on a Prius I tested once, and handling wasn't special. Thanks for all the numbers guys, this is helpful. However, one thing about a Prius vs Civic debate still gets me. Un...
by blood_donor
Sat Mar 15, 2008 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Fuel efficient cars
Replies: 45
Views: 10222

Economics my son. Gas has been relatively cheap for the last 20 years. Efficiency improvements, which have been significant, have gone into more HP and bigger cars that weigh more but still get good acceleration. It's whar we all wanted. It used to be that a 9s 0-60 time on a family sedan, which was...
by blood_donor
Fri Mar 14, 2008 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest purchase ever?
Replies: 43
Views: 9134

Best: my college ride, 1988 Toyota Corolla. Almost $0 repairs in 80,000 mi. Worst: Spent $10000 on a wedding ring, should have gone for a less "investment" grade diamond. Bride couldn'tly care less, and tells me so to this day. And the so-called invesrment grade stone? Dealer offered me $6000 for it.
by blood_donor
Tue Mar 04, 2008 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Your Internet Service Provider Evaluation is appreciated.
Replies: 54
Views: 13115

Re: Your Internet Service Provider Evaluation is appreciated

That's stealing, in my book, unless you got permission from your neighbors to share their wi-fi. Just because they're too dumb to secure their network doesn't mean it is moral to steal it. For the past 3 years, I used All2Easy,$4.95, dial-up for banking and other secure transactions. For free intern...
by blood_donor
Mon Mar 03, 2008 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicle for newly licensed daughter
Replies: 25
Views: 6024

Gekko wrote:"old Volvos"???

mechanical nightmares! turn in your engineer's badge!
Actually, Volvos from the 240 era are quite robust. It is when they went to the S60 types that they got complicated and expensive to fix.
by blood_donor
Mon Mar 03, 2008 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Speyburn Whisky
Replies: 4
Views: 2166

Speyburn Whisky

I picked up a bottle of Speyburn 10 year single malt, as it came with a $3 rebate coupon. Couldn't resist a value play! I usually buy good quality blends like Chivas and Famous Grouse. So far, I like it. It is a little light (color and flavor) but has a good, clean taste. What do you Scotch experts ...
by blood_donor
Mon Mar 03, 2008 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Coolest Gadget Ever
Replies: 1
Views: 1370

Coolest Gadget Ever

I just got a Nokia N800 internet tabet. I love this thing (I am composing on it now). It is small enough to tote in a jacket pocket, but powerfully enough to do almost any internet task, play movies and music, etc. It runs linux, and there is a community of geeks workingly on uogrades like PDA softw...
by blood_donor
Mon Mar 03, 2008 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicle for newly licensed daughter
Replies: 25
Views: 6024

Not small!!!

FWIW, I am an actual automotive engineer, I work on stability control systems (safety). DO NOT buy a 2500 lb car, a light pickup, an old sports car, or a lifted Jeep. You want an underpowered, boring, car which weighs at least 3200lbs or so. It should have airbags, ABS, and three point belts all aro...
by blood_donor
Sat Feb 09, 2008 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: I want to sell my own house...
Replies: 7
Views: 2457

I want to sell my own house...

I'd like to try to sell my own house to save money on real estate agent commissions. I live in Troy, MI FWIW. Condo. Does anyone have any recommendations on where to list, how to list, etc.? Yahoo seems to have a $50/mo. real estate classified service, and of course there is Craigslist. What other p...
by blood_donor
Mon Jan 21, 2008 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Default: what happens, how to avoid?
Replies: 1
Views: 1076

Credit Card Default: what happens, how to avoid?

Hi, A friend of mine is in bad financial shape--9 months unemployed, with a bunch of credit card debt (~$25,000). (I assure you it isn't me!) Question: Suppose you are in that position--no real income, no longer able to maintain credit card debt. What happens, what is the sequence? I imagine you'll ...
by blood_donor
Sat Jan 12, 2008 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Any jewelers on the forum? (Engagement ring help!)
Replies: 65
Views: 15641

Re: Any jewelers on the forum? (Engagement ring help!)

Boris, Buy a used diamond. Hook up with a private seller (try Craigslist), and have it appraised to make sure it is a good deal. I decided this forum needs a third engagement ring thread :). Here's my problem, I've been looking around for months... I know so much about gems (especially diamonds) it'...
by blood_donor
Sun Jan 06, 2008 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Leasing a Car
Replies: 15
Views: 3029

Re: Leasing

I respectfully disagree with much of this, and what others have posted in this same vein. When you lease a car, it does not actually belong to you--it belongs to the finance company, for example, GMAC. It does not belong to the dealer. In fact, you can return your GM lease car to any GM dealer. When...
by blood_donor
Tue Jan 01, 2008 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Adam Smith Killed The Electric Car
Replies: 41
Views: 7475

As you guys can imagine, the liability exposure of auto companies is huge. Also, consumers expect a level of reliability from cars that is extreme compared to other household gadgets. Whatever modifications are desired, the results have to be reliable in all kinds of environments (-20F to 120F, for ...
by blood_donor
Mon Dec 31, 2007 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Adam Smith Killed The Electric Car
Replies: 41
Views: 7475

People do want to buy cars like the EV-1. In fact there were waiting lists for them, and the people that leased them wanted to buy them, and GM refused to sell them to them. What would Adam Smith have thought of that? A *few* people want to by short range electric cars, and very few of them would p...
by blood_donor
Mon Dec 31, 2007 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Adam Smith Killed The Electric Car
Replies: 41
Views: 7475

Adam Smith Killed The Electric Car

I am an actual automotive engineer, and I have actually been involved in powertrain development. There is no conspiracy. The oil companies are not bribing GM and Ford to avoid electric cars. What keeps electric cars from being made is simple economics. People won't pay a price for an electric car wh...