Search found 2859 matches

by azanon
Sat Jul 04, 2020 7:08 am
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 113
Views: 5768

Re: New 4K TV: LED, QLED or OLED?

Bottom line - too bad that plasma's lost support and that 4K versions aren't around today. IMO they provided the best overall experience, even superior to OLED, if you count the fact that they don't have the aforementioned issue. Not necessary a better picture to OLED - OLED gets that award - but o...
by azanon
Sat Jul 04, 2020 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Please suggest a Credit Card
Replies: 33
Views: 1806

Re: Please suggest a Credit Card

Something with 2% cash back on all purchases and no annual fee, no funny business such as different percentages by purchase type, caps on reimbursement, and / or rotating categories by month. Citi Double Cash fits that bill. I know there are others too, but I can't think of them at the moment. If y...
by azanon
Thu Jul 02, 2020 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Please suggest a Credit Card
Replies: 33
Views: 1806

Re: Please suggest a Credit Card

Something with 2% cash back on all purchases and no annual fee, no funny business such as different percentages by purchase type, caps on reimbursement, and / or rotating categories by month. Citi Double Cash fits that bill. I know there are others too, but I can't think of them at the moment. If y...
by azanon
Wed Jul 01, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: Seeking input on type of family car to purchase and whether to buy new or used
Replies: 37
Views: 1493

Re: Seeking input on type of family car to purchase and whether to buy new or used

Thanks for all of the replies. I went ahead and signed up for consumer reports which is very helpful. I was very interested in the VW Golf Sportwagen, but learned that VW cars are built to last for 100k miles while the Japanese manufacturers are built to go 200k+. I hear those that say not to under...
by azanon
Tue Jun 30, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: At what point can you justify a $10k+ flight?
Replies: 75
Views: 4582

Re: At what point can you justify a $10k+ flight?

I’ve taken in the past business class flights for almost $5k (only twice) and it was a total delight given that the flights were over 12 hours each way. I think $5k is reasonable but at what point in your budget can you justify spending over $10k on a roundtrip flight when the same flight on Coach ...
by azanon
Tue Jun 30, 2020 12:21 pm
Forum: Investing - Theory, News & General
Topic: Was Vanguard's LifeStrategy Funds ACTIVELY Managed in the Past?
Replies: 13
Views: 907

Re: Was Vanguard's LifeStrategy Funds ACTIVELY Managed in the Past?

Yes, Vanguard has a long track record of putting three good funds and one flaky fund into their LifeStrategy funds. In the old days, the flaky fund was that Asset Allocation thing. Generated a lot of hubris with its wild swings between stocks & bonds, but ended up just reducing returns. These days ...
by azanon
Mon Jun 29, 2020 1:51 pm
Forum: Personal Investments
Topic: Vanguard Digital Advisor "algorithm change"
Replies: 57
Views: 4758

Re: Vanguard Digital Advisor "algorithm change"

All these threads about PAS and whatever advisors are very funny to me. It's like someone letting their friend drive their car and then getting mad at how they drive. If you know better, why not do it yourself? False analogy - it's not even close really. If you pay for a service - any service - you...
by azanon
Mon Jun 29, 2020 12:56 pm
Forum: Personal Investments
Topic: Vanguard Digital Advisor "algorithm change"
Replies: 57
Views: 4758

Re: Vanguard Digital Advisor "algorithm change"

I logged into it and confirmed the same thing - a switch of 20% equities. If you ask me, that's an absolute disaster. They should have never started the pilot without having the asset allocation strategy set in stone. I'd have wanted some sort of detailed explanation why the drastic change. I could ...
by azanon
Thu Jun 25, 2020 9:33 am
Forum: Investing - Theory, News & General
Topic: Volatility is NOT Risk, Bogle
Replies: 39
Views: 3524

Re: Volatility is NOT Risk, Bogle

Oh no, I have some really bad news then. Volatility, and it's many variations (Drawdowns, Standard Deviation, Sharpe Ratio/Sortino Ratio, etc), is the way most investment professionals measure risk. One can disagree with whatever they want, but that's how it's usually done.
by azanon
Wed Jun 24, 2020 2:24 pm
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 113
Views: 5768

Re: New 4K TV: LED, QLED or OLED?

For new stuff coming out (including both movies and top tier streaming series) 4K is the norm, not the exception now. I use Netflix mostly with 4K support, so yeah the new stuff is usually UHD, and also even Atmos sound a lot of the time. Or more specifically, my particular streamer will say "Visio...
by azanon
Wed Jun 24, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 113
Views: 5768

Re: New 4K TV: LED, QLED or OLED?

Comparisons of OLED vs. Plasma aren't really possible anymore anyway, since to my knowledge, a 4K plasma was never made. I have a flagship Panasonic 65" plasma that was made one year before they weren't made at all anymore, and it's just 1080p. It is 2020 and there's still very little 4K content ou...
by azanon
Wed Jun 24, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 113
Views: 5768

Re: New 4K TV: LED, QLED or OLED?

I have a Sony OLED 65" (last year's model) and although it's nice, it does have one issue my plasma never had, which is on some content I actually notice a stutter, or stuttering. I believe the way it was explained somewhere, is that it's so fast at "drawing" or refreshing the screen, that it gets ...
by azanon
Wed Jun 24, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11401

Re: What is the single best piece of exercise equipment you bought for your home?

A TotalGym. If i didn't have a real gym, I'd probably just use that. Does everything but cardio.
by azanon
Wed Jun 24, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 113
Views: 5768

Re: New 4K TV: LED, QLED or OLED?

I have a Sony OLED 65" (last year's model) and although it's nice, it does have one issue my plasma never had, which is on some content I actually notice a stutter, or stuttering. I believe the way it was explained somewhere, is that it's so fast at "drawing" or refreshing the screen, that it gets a...
by azanon
Tue Jun 23, 2020 12:23 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13588

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

in #1, WCI states "there is nobody who can actually speak for the entire community and there is actually very little that the vast majority of the community agrees on". Then he titles the article "Top 10 Things Bogleheads Get Wrong". :confused Just saw the thread and I knew 3 pages deep, there'd be...
by azanon
Sun Jun 21, 2020 2:13 pm
Forum: Personal Consumer Issues
Topic: AWD van or no AWD but with winter tires?
Replies: 89
Views: 4302

Re: AWD van or no AWD but with winter tires?

Regarding tires, there are a handful of all-seasons that have the 3PMSF (mountain snow) rating. Michelin CrossClimate, Firestone WeatherGrip, Goodyear Assurance WeatherReady come to mind. They will not be as good as true winter tires but much better than typical all-seasons. That would eliminate ha...
by azanon
Thu Jun 18, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: VW and Audi 0% APR - to buy or not?
Replies: 46
Views: 2790

Re: VW and Audi 0% APR - to buy or not?

Oh my, VW is such a beast of a brand. Bought a MK7.5 2018 GTI SE with one of these amazing 0% APR deals, our local VW dealer has a unlimited, lifetime drivetrain warranty and 84 month B2B warranty - as. long. as. you. dont. modify. or. tune. the. car. Needless to say... Some things are worth voidin...
by azanon
Fri Jun 12, 2020 2:32 pm
Forum: Investing - Theory, News & General
Topic: Updates: 60/40 VS 30/70 Allocation for Retirees: Bernstein VS Ferri ? What Did You Do Post Pandemic RBD 3/2020?
Replies: 231
Views: 29052

Re: 60/40 VS 30/70 "Center Of Gravity"@@ Allocation for Retirees ??? Bernstein VS Ferri ?? -- What Would You Do?

I wonder if the 30/70 portfolio came from back testing 2004-2012. For that specific range, CAGR is very close: 60/40 grew 6.17%/year while 30/70 grew 6.04%/year. The Sharpe/Sortino ratios also look great for that range of years. https://www.portfoliovisualizer.com/backtest-asset-class-allocation Go...
by azanon
Wed Jun 10, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Perpetual Withdrawal Rate
Replies: 29
Views: 6245

Re: Perpetual Withdrawal Rate

Well, what you have to consider is wether there will be a worse case scenarios that what you had in the past. Like somebody retiring on January of 2000. 10+ years of flat returns! What I would really like to see are PWR and SWR assuming some variable WR. There are many strategies for VWR, of course...
by azanon
Wed Jun 10, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24464

Re: What fun car should I get in the $150k - $200k range?

I have every bit of confidence we would disagree about most things :mrgreen: Frankly, I find that guy's popularity baffling. As far as Nissan is concerned. Yeah, I wouldn't recommend someone go out and buy a Sentra. It's a troubled company that has been making some seriously uninspiring cars for a ...
by azanon
Wed Jun 10, 2020 9:44 am
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24464

Re: What fun car should I get in the $150k - $200k range?

Scotty Kilmer's comments about Nissan are about as relevant to the GTR as a discussion on horseshoes. I have every bit of confidence Scotty would disagree with you. I have every bit of confidence we would disagree about most things :mrgreen: Frankly, I find that guy's popularity baffling. As far as...
by azanon
Tue Jun 09, 2020 3:30 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24464

Re: What fun car should I get in the $150k - $200k range?

Acura NSX. Done. Saw someone suggesting a Nissan. I'd recommend watching a few Scotty Kilmer videos on youtube and getting his thoughts on Nissan before doing that. (spoiler alert: they aren't positive comments, to make an understatement). Scotty Kilmer's comments about Nissan are about as relevant...
by azanon
Tue Jun 09, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24464

Re: What fun car should I get in the $150k - $200k range?

Acura NSX. Done. Saw someone suggesting a Nissan. I'd recommend watching a few Scotty Kilmer videos on youtube and getting his thoughts on Nissan before doing that. (spoiler alert: they aren't positive comments, to make an understatement). Scotty Kilmer's comments about Nissan are about as relevant...
by azanon
Tue Jun 09, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24464

Re: What fun car should I get in the $150k - $200k range?

Acura NSX. Done.

Saw someone suggesting a Nissan. I'd recommend watching a few Scotty Kilmer videos on youtube and getting his thoughts on Nissan before doing that. (spoiler alert: they aren't positive comments, to make an understatement).
by azanon
Thu Jun 04, 2020 10:41 pm
Forum: Personal Investments
Topic: Thrift Savings Plan (TSP) - Son leaving the military
Replies: 28
Views: 1449

Re: Thrift Savings Plan (TSP) - Son leaving the military

White Coat Investor wrote:
Thu Jun 04, 2020 5:18 pm
azanon wrote:
Thu Jun 04, 2020 3:52 pm
Oh well...Or let me save you the time...maybe read the thread first before posting.
Sorry to annoy you. It must be tough to have to suffer being around people like me all the time.
No hard feelings here. You post good content here and at your website. Its all good.
by azanon
Thu Jun 04, 2020 3:52 pm
Forum: Personal Investments
Topic: Thrift Savings Plan (TSP) - Son leaving the military
Replies: 28
Views: 1449

Re: Thrift Savings Plan (TSP) - Son leaving the military

401k plans, TSP plan included, are also subject to the ERISA act and its powerful non-alienation provisions. With the IRA, you are subject to the $1.32 million exemption that's afforded to IRA accounts by the BAPCPA (Bankruptcy Abuse Prevention and Consumer Protection Act); but with the 401k and TS...
by azanon
Thu Jun 04, 2020 1:33 pm
Forum: Personal Investments
Topic: Thrift Savings Plan (TSP) - Son leaving the military
Replies: 28
Views: 1449

Re: Thrift Savings Plan (TSP) - Son leaving the military

If your son is unmarried, but may be married in the future, there can be benefits to having multiple accounts in the event of a divorce. Leaving it in a TSP helps avoid commingling of pre-marital and marital money. That works great, right up until the point that you use TSP funds for anything that ...
by azanon
Thu Jun 04, 2020 1:15 pm
Forum: Personal Investments
Topic: Thrift Savings Plan (TSP) - Son leaving the military
Replies: 28
Views: 1449

Re: Thrift Savings Plan (TSP) - Son leaving the military

If your son is unmarried, but may be married in the future, there can be benefits to having multiple accounts in the event of a divorce. Leaving it in a TSP helps avoid commingling of pre-marital and marital money. That works great, right up until the point that you use TSP funds for anything that ...
by azanon
Thu Jun 04, 2020 11:38 am
Forum: Personal Investments
Topic: Thrift Savings Plan (TSP) - Son leaving the military
Replies: 28
Views: 1449

Re: Thrift Savings Plan (TSP) - Son leaving the military

401k plans, TSP plan included, are also subject to the ERISA act and its powerful non-alienation provisions. With the IRA, you are subject to the $1.32 million exemption that's afforded to IRA accounts by the BAPCPA (Bankruptcy Abuse Prevention and Consumer Protection Act); but with the 401k and TS...
by azanon
Thu Jun 04, 2020 11:23 am
Forum: Personal Investments
Topic: Thrift Savings Plan (TSP) - Son leaving the military
Replies: 28
Views: 1449

Re: Thrift Savings Plan (TSP) - Son leaving the military

401k plans, TSP plan included, are also subject to the ERISA act and its powerful non-alienation provisions. With the IRA, you are subject to the $1.32 million exemption that's afforded to IRA accounts by the BAPCPA (Bankruptcy Abuse Prevention and Consumer Protection Act); but with the 401k and TS...
by azanon
Thu Jun 04, 2020 11:00 am
Forum: Personal Investments
Topic: Thrift Savings Plan (TSP) - Son leaving the military
Replies: 28
Views: 1449

Re: Thrift Savings Plan (TSP) - Son leaving the military

It's probably a better idea to keep it open because theoretical better asset protection than a rollover. The other arguments are pretty weak in my opinion 1. Yeah it's cheap, but so is Vanguard and a couple of other options within 2-3 basis points. 2. G fund is overrated IMO - unless a current rate ...
by azanon
Thu Jun 04, 2020 8:28 am
Forum: Personal Consumer Issues
Topic: First Model Year Acura
Replies: 18
Views: 1186

Re: First Model Year Acura

Now, the new TLX will have all new double wishbone suspension, unlike the struts on most Hondas / cars. That should make handling very, very good. The engine should be solid - Honda makes more internal combustion engines than any company in the the world. The transmission will be good, no more dual...
by azanon
Wed Jun 03, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: First Model Year Acura
Replies: 18
Views: 1186

Re: First Model Year Acura

Now, the new TLX will have all new double wishbone suspension, unlike the struts on most Hondas / cars. That should make handling very, very good. The engine should be solid - Honda makes more internal combustion engines than any company in the the world. The transmission will be good, no more dual...
by azanon
Wed Jun 03, 2020 9:38 am
Forum: Personal Consumer Issues
Topic: First Model Year Acura
Replies: 18
Views: 1186

Re: First Model Year Acura

You haven,t mentioned which Model TLX you are considering. If its the the Type-S with3.0 L Turbo and 10 speed transmission, wait a year. Honda has had many problems with their direct injection turbo engines both here and in China. If its the basic car with naturally aspirated I-4 engine, go for it....
by azanon
Wed Jun 03, 2020 9:23 am
Forum: Personal Consumer Issues
Topic: First Model Year Acura
Replies: 18
Views: 1186

Re: First Model Year Acura

They also say to not judge a car by its brand. I recall CR saying that Honda's reliability is generally good, but they recently made one model with very poor reliability (I think Tacoma). It may be true that they're generally good - but if you happened to get that one model with bad reliability, it...
by azanon
Tue Jun 02, 2020 2:36 pm
Forum: Personal Consumer Issues
Topic: How to keep chiipmunks from going into gutter/underground drain connection?
Replies: 34
Views: 1743

Re: How to keep chiipmunks from going into gutter/underground drain connection?

Chipmunks are easy to catch in live traps. I know this first-hand. :mrgreen:

Only downside is, sometimes you "catch" something else. And of course, make sure you check said traps very frequently, and that they're not in the sun etc. where the animal can be harmed.
by azanon
Tue May 26, 2020 7:49 am
Forum: Investing - Theory, News & General
Topic: At what moment does retirement begin?
Replies: 68
Views: 5833

Re: At what moment does retirement begin?

For your retirement, at what moment will it, or did it actually begin? Maybe the standard time is midnight just as the date changes, like on the New Year. But since it’s YOUR RETIREMENT you can pick the moment, correct or not? I’m thinking my retirement will begin at sunrise on the first day. I’m p...
by azanon
Thu May 21, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3592

Re: Do you dislike recurring billing for gyms?

No it doesn't bother me. I feel pretty protected if all a business has is my credit card, since in my experience, they tend to take my side during disputes. And I don't mind the charges because what would bother me more is treadmills that don't function properly, equipment broke, etc. that they can'...
by azanon
Sat May 16, 2020 8:38 am
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 4885

Re: Peloton Treadmill: Anyone here own one..,,

My wife and I prefer ellipticals over treadmill and cycle as well. But whenever I do research on buying one for the home, I end up at a bunch of gym forums criticizing them. For whatever reason, it seems like they don't get respect in the home gym world. I dont see why; It’s a no impact way to get ...
by azanon
Sat May 16, 2020 8:31 am
Forum: Investing - Theory, News & General
Topic: Which one is better EM bonds or EM equities or both?
Replies: 41
Views: 1773

Re: Which one is better EM bonds or EM equities or both?

Which one is better for emerging markets allocation EM bonds or EM equities? Since EM bonds behave like equities I think this is a fair question. Vanguard Lifestrategy Conservative Growth Fund (A fund with 40% stocks and 60% Bonds), has approximately 3.75% Emerging Market Stocks, and 0.77% Emerging...
by azanon
Fri May 15, 2020 3:51 pm
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 4885

Re: Peloton Treadmill: Anyone here own one..,,

I'm so glad my gym doesn't force that choice on me. This is why I use an elliptical. If Peloton doesn't have one yet, they need one IMO. My wife and I prefer ellipticals over treadmill and cycle as well. But whenever I do research on buying one for the home, I end up at a bunch of gym forums critic...
by azanon
Fri May 15, 2020 12:15 pm
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 4885

Re: Peloton Treadmill: Anyone here own one..,,

I'm so glad my gym doesn't force that choice on me. This is why I use an elliptical. If Peloton doesn't have one yet, they need one IMO. My wife and I prefer ellipticals over treadmill and cycle as well. But whenever I do research on buying one for the home, I end up at a bunch of gym forums critic...
by azanon
Thu May 14, 2020 6:33 pm
Forum: Investing - Theory, News & General
Topic: If “cost” is the #1 reason Active managers lose, why not use Vanguard’s low-cost active funds?
Replies: 61
Views: 3785

Re: If “cost” is the #1 reason Active managers lose, why not use Vanguard’s low-cost active funds?

It appears from the research that Active funds largely cannot beat index funds mainly due to cost or high expenses. If this is the main factor of underperformance, haven’t Vanguard’s low-cost Active funds largely eliminated this concern? Their expense ratios are extremely low. So can Vanguard’s act...
by azanon
Thu May 14, 2020 1:25 pm
Forum: Investing - Theory, News & General
Topic: Which one is better EM bonds or EM equities or both?
Replies: 41
Views: 1773

Re: Which one is better EM bonds or EM equities or both?

Which one is better for emerging markets allocation EM bonds or EM equities? Since EM bonds behave like equities I think this is a fair question. Vanguard Lifestrategy Conservative Growth Fund (A fund with 40% stocks and 60% Bonds), has approximately 3.75% Emerging Market Stocks, and 0.77% Emerging...
by azanon
Thu May 14, 2020 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Does Delaying Social Security Deliver an 8% Return?
Replies: 92
Views: 7566

Re: Does Delaying Social Security Deliver an 8% Return?

So, whatever you do, I don't think you should literally wait for seventy candles on the cake because, you know, you might forget to do it. Or something like a pandemic might happen. I'm not sure what options are available for filing before age 70 but specifying that benefits should only begin at ag...
by azanon
Thu May 14, 2020 8:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard said to offer Digital Advisory Service [Robo-Advisor]
Replies: 111
Views: 10564

Re: Vanguard said to offer Digital Advisory Service [Robo-Advisor]

So I'm giving this (Vanguard Digital Advisory Service) a try for my Roth IRA and signed up today ... Based on your post in a different thread, you are the first that I've seen here that has posted about actually using this service. It appears that they only use 4 ETF's - Total Stock, Total Int'l, T...
by azanon
Thu May 14, 2020 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Does Delaying Social Security Deliver an 8% Return?
Replies: 92
Views: 7566

Re: Does Delaying Social Security Deliver an 8% Return?

So, whatever you do, I don't think you should literally wait for seventy candles on the cake because, you know, you might forget to do it. Or something like a pandemic might happen. I'm not sure what options are available for filing before age 70 but specifying that benefits should only begin at ag...
by azanon
Wed May 13, 2020 1:46 pm
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 119
Views: 17364

Re: New era for TSP "I" Fund?

You are jumping the gun. A decision on this has not been finalized. Implementation was officially delayed today. Have you not been following the thread or the announcements? Link to today's Fedsmith article on the delayed implementation: https://www.fedsmith.com/2020/05/13/tsp-delays-implementing-i...
by azanon
Wed May 13, 2020 1:33 pm
Forum: Personal Investments
Topic: Target Retirement or 3 Fund Portfolio?
Replies: 15
Views: 1181

Re: Target Retirement or 3 Fund Portfolio?

DH is rolling over a $400K annuity to Vanguard. We are considering VTHRX based on his retirement date but are wondering if a 3 fund portfolio would be better, inlcuding VTSAX, VTIAX, VBTLX. We have about another 100K which is in Yacktman. Thank you for your advice! I've been enjoying the Vanguard D...
by azanon
Wed May 13, 2020 1:28 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 11336

Re: Dentist charges $10 for PPE

I still haven't fully gotten over my dentist having stopped giving me a new toothbrush and other little care pack items about 3-4 years go. If they try this when I go, it'll be adding insult to injury.