Search found 194 matches

by Slick8503
Fri Nov 17, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: My Favorite Alternative Funds
Replies: 194
Views: 23496

Re: My Favorite Alternative Funds

Thanks so much for allowing us to benefit from your research Robert. I always learn from your postings.

Glad to see cheaper and more transparent options becoming available.
by Slick8503
Mon Nov 13, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: My Favorite Alternative Funds
Replies: 194
Views: 23496

Re: My Favorite Alternative Funds

Do you plan to use this fund in your portfoilio Robert T?
by Slick8503
Tue Oct 17, 2017 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Why not CDs instead of Short Term Bonds or TIPS
Replies: 24
Views: 3400

Re: Why not CDs instead of Short Term Bonds or TIPS

hulburt1, consider using something other than MM. Even 1% extra interest on 130k is well over 1k in extra income a year. Switching even half of that money to a different fund would be time well spent in dollars per hour of work.
by Slick8503
Sun May 21, 2017 5:35 pm
Forum: Investing - Theory, News & General
Topic: Yield Curve and the Next Stock Market Correction
Replies: 36
Views: 3962

Re: Yield Curve and the Next Stock Market Correction

Admittedly this topic is probably above my pay grade, but doesn't it seem intuitive that the yield curve would flatten, due to the Fed having more control over short rates? The economy/inflation starts to heat up, the Fed tries to moderate that by increasing short term rates, and a recession follows...
by Slick8503
Mon May 01, 2017 5:48 am
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 38
Views: 4459

Re: Best vacuum cleaner for pet hair?

Actually our Hoover is a bagged model. I def recommend splurging on the Roomba.
by Slick8503
Mon Apr 24, 2017 12:42 am
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 38
Views: 4459

Re: Best vacuum cleaner for pet hair?

Again, the combo of the Roomba daily and a Consumer Reports recommended Hoover Wind Tunnel we registered for as a wedding gift in 2013(iirc was ~$150) has been an awesome combination for pet hair removal. I would say this combo would come in at a comparable cost to a dyson model and do a much better...
by Slick8503
Sat Apr 22, 2017 4:13 am
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 38
Views: 4459

Re: Best vacuum cleaner for pet hair?

We have a long haired dog in the house and about 6 months ago bought a Roomba. What an amazing difference. It is by no means perfect, but it will blow you away with the amount of hair it picks up daily . We still use our hoover upright once in a while for a deeper clean, but the Roomba has been grea...
by Slick8503
Tue Apr 18, 2017 8:06 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe : Integrated Investment Plan
Replies: 35
Views: 7227

Re: Larry Swedroe : Integrated Investment Plan

I've been a member of many forums over the years. Bogleheads has by far the most collective intelligence of any, BUT the amount of snark, cold, rude, whatever you want to call it, comments that get posted here are too much at times, and I don't understand why that is. There is no need for it.
by Slick8503
Sun Apr 09, 2017 9:02 am
Forum: Investing - Theory, News & General
Topic: Alts:new sources of risk/return improve portfolio efficiency
Replies: 119
Views: 10885

Re: Alts:new sources of risk/return improve portfolio efficiency

I would love to allocate a 10% or so portion of my portfolio to a fund such as LENDX, but I could not find an advisor willing to give me access for a low/minimal fee.
by Slick8503
Tue Apr 04, 2017 6:39 am
Forum: Investing - Help with Personal Investments
Topic: What's the flaw in this strategy:
Replies: 27
Views: 2423

Re: What's the flaw in this strategy:

It seems so obvious to me, that I must surely be missing something which a Boglehead can point out! Maybe I'm new enough here myself that I find all of the experienced posters belittling your idea to be rather surprising (and glad no one has yet called it "stupid" even if it's just unspoken). I tot...
by Slick8503
Mon Apr 03, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: What's the flaw in this strategy:
Replies: 27
Views: 2423

Re: What's the flaw in this strategy:

I'll just speak to my situation mentioned above. I had some taxable money that I had invested in years where I had already maxed out my tax advantage space for the year, after 2009 I had some losses in that account. I also use a rewards checking account. Instead of funding my roth with money from my...
by Slick8503
Mon Apr 03, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: What's the flaw in this strategy:
Replies: 27
Views: 2423

Re: What's the flaw in this strategy:

There is no flaw, but this is something many people have done in the past. Myself included. The problem, if you want to call it that, is that you are limited to 5500 in Roth space per year.
by Slick8503
Mon Apr 03, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: What's the flaw in this strategy:
Replies: 27
Views: 2423

Re: What's the flaw in this strategy:

You cannot do this, because it's a "wash sale". However, you could, for example, sell Total stock, and buy SP500 in your Roth to avoid the wash rule. If I understand correctly, what you are proposing is not that much different than a typical tax loss harvest, but instead of rebuying in taxable you w...
by Slick8503
Fri Mar 10, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 2924

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

ZeroWealth, thanks so much for the data point. Enjoy your Lexus!! I'm jealous!
by Slick8503
Tue Mar 07, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 2924

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

My wife and I are currently SUV shopping as well. Would you mind saying what you paid for the 450H? Dealer or Private Party? Thanks in advance.
by Slick8503
Tue Dec 06, 2016 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Incomplete contribution to 401K for this year
Replies: 21
Views: 2070

Re: Incomplete contribution to 401K for this year

Thank you for the correction avalpert. I was unaware it was law for contributions to be from payroll deduction.
by Slick8503
Tue Dec 06, 2016 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Incomplete contribution to 401K for this year
Replies: 21
Views: 2070

Re: Incomplete contribution to 401K for this year

Could possibly check to see if your plan allows for depositing a personal check into your account. Mine does not, but some may.
by Slick8503
Tue Dec 06, 2016 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: how do you comp raw land?
Replies: 18
Views: 1795

Re: how do you comp raw land?

Where is the land located? Need much more information. Marketable timber? In my area depending on location, agriculture/timber or housing could be the main drivers of value. Also, how highly sloped is the timber ground? Would it make logging it cost prohibitive and or impossible? Perhaps that is the...
by Slick8503
Mon Dec 05, 2016 8:26 pm
Forum: Investing - Theory, News & General
Topic: P2P Lending Dead
Replies: 54
Views: 8283

Re: P2P Lending Dead

Not larry but I would imagine the benefit is to be able to reduce equity allocation, while maintaining return. Not unlike tilting to small value. Reducing tail risk and all that.
by Slick8503
Mon Dec 05, 2016 7:51 pm
Forum: Investing - Theory, News & General
Topic: P2P Lending Dead
Replies: 54
Views: 8283

Re: P2P Lending Dead

Will do. Thanks again.
by Slick8503
Mon Dec 05, 2016 7:46 pm
Forum: Investing - Theory, News & General
Topic: P2P Lending Dead
Replies: 54
Views: 8283

Re: P2P Lending Dead

Understood. Thought there may have been a possibility of one of the large brokerage houses offering "institutional" access in an IRA/401k as Fidelity and Schwab seem to do with AQR. Thank you.
by Slick8503
Mon Dec 05, 2016 6:28 pm
Forum: Investing - Theory, News & General
Topic: P2P Lending Dead
Replies: 54
Views: 8283

Re: P2P Lending Dead

Larry, What would be the cheapest way to access this fund? I need to do more research regarding whether it would be right for my situation, but if I can't access anyhow, may as well save the research time. My 401k is through Fidelity and it does not appear I can access this fund through my brokerage...
by Slick8503
Wed Jun 22, 2016 3:54 am
Forum: Personal Finance (Not Investing)
Topic: Use Roth contributions for land purchase?
Replies: 2
Views: 404

Re: Use Roth contributions for land purchase?

Today's mortgage rates may be lower than what you are currently paying. It may make sense to do a cash out refi and use the proceeds to fund the land purchase. IMO, this would be a better option than losing some of the benefit of a Roth account.
by Slick8503
Thu Feb 11, 2016 9:37 am
Forum: Personal Consumer Issues
Topic: White Kitchen Cabinets?
Replies: 55
Views: 6834

Re: White Kitchen Cabinets?

My wife and I remodeled an old farm house recently and chose an off white color with a glaze finish. We have never had bright white cabinets but these don't seem to show dirt bad at all. We love them. Thought it may be a compromise for you vs going to brown wood. They came from Home Depot during a s...
by Slick8503
Sat Jan 30, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Two spenders and buying a house
Replies: 43
Views: 4866

Re: Two spenders and buying a house

Those are the type of returns I am suggesting owning 18 acres of ground can give as well. But, unlike dining out, or going on a trip, owning property can provide some monetary return as well.
by Slick8503
Sat Jan 30, 2016 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Two spenders and buying a house
Replies: 43
Views: 4866

Re: Two spenders and buying a house

Owning 18 acres with trees is miles away from buying a timber REIT. I'm simply pointing out that owning 18 acres does not have to be the money pit that many here make it out to be. The extra expenses can be offset by some income that the property can produce, or will produce in the future. One isn't...
by Slick8503
Sat Jan 30, 2016 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Two spenders and buying a house
Replies: 43
Views: 4866

Re: Two spenders and buying a house

I just want to point out that 18 acres is an asset that has value rather than a liability as some here are trying to advise. There will I'm sure be marketable timber at some point and being close to Dr's etc it sounds like potential for development in the future. I'm not trying to advise what to do ...
by Slick8503
Tue Jan 12, 2016 12:03 pm
Forum: Investing - Theory, News & General
Topic: Small value underperformance, DFA
Replies: 106
Views: 10632

Re: Small value underperformance, DFA

zotty wrote:
Slick8503 wrote:proven


nothing has been proven. It's all theory that may falsify in the future or may hold true.


I should say "has been proven in the past..."
by Slick8503
Tue Jan 12, 2016 10:59 am
Forum: Investing - Theory, News & General
Topic: Small value underperformance, DFA
Replies: 106
Views: 10632

Re: Small value underperformance, DFA

I believe Larry will say that it has proven to provide better risk adjusted returns. It allows one to protect left tail risk better because of the ability to hold more high quality bonds while not sacrificing return. In other words, it has been the more efficient portfolio.
by Slick8503
Sun Dec 20, 2015 9:47 am
Forum: Investing - Theory, News & General
Topic: Large Energy stocks - why not?
Replies: 158
Views: 15138

Re: Large Energy stocks - why not?

That makes no sense. They (basically) have no operating costs. They don't go offline unless they break. Un-subsidized utility scale solar is in the $50-60/MWh range. Wind is even cheaper. Show me where, in the USA, is there new nat gas, coal or nuclear coming online for under $50/MWh. --Keanwood I ...
by Slick8503
Sun Dec 20, 2015 7:49 am
Forum: Investing - Theory, News & General
Topic: Large Energy stocks - why not?
Replies: 158
Views: 15138

Re: Large Energy stocks - why not?

Remove the tax credits for solar and wind, soon you'll see that new capacity coming online, go offline faster than you and I can say "goodbye". That makes no sense. They (basically) have no operating costs. They don't go offline unless they break. Un-subsidized utility scale solar is in t...
by Slick8503
Sat Dec 19, 2015 5:25 pm
Forum: Investing - Theory, News & General
Topic: Large Energy stocks - why not?
Replies: 158
Views: 15138

Re: Large Energy stocks - why not?

Government subsidies are the reason Solar and Wind resources are being built. If you think that solar is cheaper(without subsidies) on a $'s/MW basis than a Combined Cycle nat gas plant at sub $2 nat gas, you are very mistaken.
by Slick8503
Mon Dec 14, 2015 8:47 am
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 181
Views: 28842

Re: QSPIX Nightmare - Closed Off to Retail Investors

Thanks everyone for the status update of QSPIX at Scottrade.
by Slick8503
Mon Dec 07, 2015 10:48 pm
Forum: Investing - Theory, News & General
Topic: Are Equities Overpriced?
Replies: 58
Views: 6818

Re: Are Equities Overpriced?

I understand "efficient market" to mean that all KNOWN information is priced in. To me, that does not mean that they must be priced correctly.
by Slick8503
Sun Dec 06, 2015 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage or 401k
Replies: 34
Views: 4905

Re: Mortgage or 401k

It's certainly possible you may be right, but you have to make the best decision with the information you have. In my opinion and many others you are likely to be in a lower tax bracket in retirement than working. Therefore, it probably would be best to take the tax break now on a traditional 401k. ...
by Slick8503
Sat Dec 05, 2015 8:05 pm
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 181
Views: 28842

Re: QSPIX Nightmare - Closed Off to Retail Investors

Please keep up updated on Scottrade. I am contemplating moving some Mega BD Roth money to Scottrade to do the same. Thanks.
by Slick8503
Sat Dec 05, 2015 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage or 401k
Replies: 34
Views: 4905

Re: Mortgage or 401k

You definitely should keep maxing your Roth IRA contributions, but if you do not anticipate making more money in retirement than you do currently it is best to take the break on taxes now in your 401k, rather than later with the Roth 401k. No one knows with certainty what future tax rates will be, b...
by Slick8503
Fri Dec 04, 2015 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage or 401k
Replies: 34
Views: 4905

Re: Mortgage or 401k

Then you need to make your future contributions Traditional pre tax.
by Slick8503
Fri Dec 04, 2015 1:49 pm
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 181
Views: 28842

Re: QSPIX Nightmare - Closed Off to Retail Investors

Have you talked with them since the order has been rejected?
by Slick8503
Fri Dec 04, 2015 12:59 pm
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 181
Views: 28842

Re: QSPIX Nightmare - Closed Off to Retail Investors

FWIW, I called Scottrade and they confirmed QSPIX is still available in increments of $100 for $17 per trade.
by Slick8503
Sat Oct 24, 2015 12:43 pm
Forum: Personal Consumer Issues
Topic: How much would it costs to replace knob and tube wiring?
Replies: 10
Views: 1778

Re: How much would it costs to replace knob and tube wiring?

A possible cheaper option may be due demo the plaster, have the wiring changed, and then go back with drywall. Something to keep in mind however, is that many older homes have rough sawn lumber, and the walls aren't true. This means the studs will have to be planed or shimmed in order for the drywal...
by Slick8503
Mon Sep 28, 2015 10:18 am
Forum: Investing - Theory, News & General
Topic: VW stock goes from 170 to almost 100 and falling, good time to buy?
Replies: 169
Views: 19411

Re: VW stock goes from 170 to almost 100 and falling, good time to buy?

NOx is produced in higher amounts from a "hotter" burn(read more efficient). The fix will ultimately have to lower the efficiency of the engine to reduce NOx. Therefore the power/mpg numbers will have to go down for existing owners who have the fix implemented. It will most definitely effe...
by Slick8503
Mon Jun 22, 2015 7:16 pm
Forum: Personal Consumer Issues
Topic: Will I regret using Composite Decking instead of PT Decking
Replies: 23
Views: 7018

Re: Will I regret using Composite Decking instead of PT Decking

During our farm house remodel we built a front porch and back deck. We used Home Depot's Veranda brand synthetic boards in Brazillian walnut. These were the cheapest "capped composite" board that I could find. It also helped that my wife and I loved the color. m They are made by Fiberon. I...
by Slick8503
Fri Jun 05, 2015 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Any BH know about whole house Dehumidifier?
Replies: 25
Views: 2443

Re: Any BH know about whole house Dehumidifier?

It's possible your A/C system is oversized and is short cycling. This does not allow the system time enough to reduce the humidity in the air. The one caveat to that is if your climate is temperate with high humidity. The latter is a problem in my climate in the spring time. The outside temp is in t...
by Slick8503
Sat May 23, 2015 7:00 pm
Forum: Investing - Theory, News & General
Topic: Land Values, Tax Deferral, Wealth Retention and Income
Replies: 8
Views: 1291

Re: Land Values, Tax Deferral, Wealth Retention and Income

Because farmers enjoying owning and farming their own land. Most that I know would much rather continue to own and farm their ground, rather than own the same dollar amounts in the stock market, even if the anticipated returns are higher. In other words, there is much more to it than dollars and cen...
by Slick8503
Mon Dec 29, 2014 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Taking mortgage to contribute more to Roth
Replies: 23
Views: 2996

Re: Taking mortgage to contribute more to Roth

I thought others state income tax could be the culprit. Indiana's rate is 3.4%, which I believe is lower than most states who have an income tax. Thanks. Also forgot to mention that, yes, the higher rates for rehab loans kept me from originally pursuing a loan on this property. The fact that rates h...
by Slick8503
Mon Dec 29, 2014 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Taking mortgage to contribute more to Roth
Replies: 23
Views: 2996

Re: Taking mortgage to contribute more to Roth

Thanks for all the opinions given. I owe so much to this site. Grabiner, that is a great point about 30 year treasuries and after tax mortgage rate being a wash. The problem i run into is that I currently don't have enough deductions to itemize even with the mortgage interest counted. Is this uncomm...
by Slick8503
Tue Dec 23, 2014 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Taking mortgage to contribute more to Roth
Replies: 23
Views: 2996

Re: Taking mortgage to contribute more to Roth

First off, I want to say how much I appreciate how much you help people of this site retiredjg. You do a great thing here. I also appreciate your opinion on this matter. Can you explain exactly how it is different than paying off my other mortgage? I'm sorry if I'm being thick. To me, if my wife and...
by Slick8503
Tue Dec 23, 2014 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Taking mortgage to contribute more to Roth
Replies: 23
Views: 2996

Re: Taking mortgage to contribute more to Roth

That is a very good point mnvalue. My wife and I take advantage of rewards checking up to the 30K max, normally that pays 3%. I would probably lean toward splitting the proceeds 50% rewards checking+stable value/50%stocks. Is it a bad bet that combination would outperform 3.375%? I would be borrowin...