Search found 181 matches

by Imbros
Thu Sep 21, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Blue Chip Growth (FBGRX) - anomaly or good investment
Replies: 24
Views: 980

Re: Fidelity Blue Chip Growth (FBGRX) - anomaly or good investment

So, it is basically a large cap growth fund that is overweight in IT and consumer discretionary with ER of 0.82%. It was bound to over perform since the crisis. That ER is way too high for my taste. Wow, glad to know this was foreseeable. What is bound to over perform the next 10 years so I can rep...
by Imbros
Thu Sep 21, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Blue Chip Growth (FBGRX) - anomaly or good investment
Replies: 24
Views: 980

Re: Fidelity Blue Chip Growth (FBGRX) - anomaly or good investment

So, it is basically a large cap growth fund that is overweight in IT and consumer discretionary with ER of 0.82%. It was bound to over perform since the crisis. That ER is way too high for my taste.
by Imbros
Thu Sep 14, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7104

Re: Best Lower Cost USA Cities to Live

Tennessee is a great place to retire. I would avoid the Memphis area but Jackson is a pretty laid back small city. Since I live in West Tennessee and have a home in East Tennessee ( Knoxville area) and a daughter who has lived in Nashville for 2 years my suggestion would be East Tennessee would be ...
by Imbros
Wed Sep 13, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 350
Views: 38831

Re: Flaunt Your High-Mileage Car

2006 SAAB 9-3 with 105k miles. I picked it up last year with just under 100k miles. The plan is to run it for another 100k miles with minimal maintenance. So far so good. Bought it for peanuts and maintenance is very inexpensive thanks to a mechanic I know. 112k miles now with minimal maintenance. ...
by Imbros
Wed Sep 13, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7104

Re: Best Lower Cost USA Cities to Live

I have been looking at Chattanooga area lately due to reasonably better (better than Midwest) climate year-round, low cost of living and housing and no state income taxes. They are also phasing out taxes on dividend and interest income.
by Imbros
Fri Aug 11, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup - Major Life Event
Replies: 15
Views: 1961

Re: Portfolio Checkup - Major Life Event

Questions: 1. I guess what I would really appreciate is a once over to make sure I am getting on the right track. I made some stupid investment mistakes over my first 4 years of investing and I am still recovering from them. I consolidated a lot of my old funds/stocks/etf's into primarily vanguard ...
by Imbros
Wed Aug 09, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: news yesterday that Buffett has $100,000,000,000 in cash now
Replies: 65
Views: 8786

Re: news yesterday that Buffett has $100,000,000,000 in cash now

Mr. Buffett has offered his sage advice with a crystal clear plan for what most investors should do, and trying to time the market isn't part of it. Average your contributions over time, invest in a low-cost broad average like the S&P 500/Total Stock Market, and you'll do much better than those try...
by Imbros
Fri Jul 07, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: My Favorite Alternative Funds
Replies: 143
Views: 13225

Re: My Favorite Alternative Funds

Grap is not alone with the gloominess I'm afraid. I was a Lending Club investor for a couple of years (from 2011 to 2014 I believe) before they began accepting institutional investors and changed the way they connect borrowers and lenders due to new SEC regulations . Before Lending Club and P2P lend...
by Imbros
Fri Jul 07, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: My Favorite Alternative Funds
Replies: 143
Views: 13225

Re: My Favorite Alternative Funds

whodidntante wrote:How did you determine hypothetical 2008 performance?
I'm particularly curious about back testing of LENDX. There was no Lending Club and probably no Prosper back then. How do you back test something that did not even exist?
by Imbros
Wed Jun 21, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Used cars in high demand
Replies: 16
Views: 2215

Re: Used cars in high demand

You are not receiving those letters because those cars are high in demand.
by Imbros
Wed Jun 07, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: How to buy another car key?
Replies: 16
Views: 1988

Re: How to buy another car key?

My 2012 Subaru has a chipped key, meaning if I just copy it, it won't work. You probably have to use a dealer, or someone who specializes in auto keys to get another one. For some reason, I'm thinking I have a code or they use my VIN if I need more. Mine came with two keys with the built in remote ...
by Imbros
Wed May 24, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Rant (purchasing air tickets)
Replies: 4
Views: 976

Re: Rant (purchasing air tickets)

In my experience, it happens more often than it should and many times I can go back the next day (or even after a couple of hours) and find the same ticket for the same price.
by Imbros
Mon May 15, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Check engine light comes on, need advice
Replies: 27
Views: 1521

Re: previous post for check engine light on need advice

Alright. 1- Get an inexpensive OBDII code reader, so you can reset the code by yourself. 2- Get a can of throttle body cleaner from Autozone, Advance Autoparts etc. (less than $5) 3- Google "aveo throttle body cleaning" and read some board posts, articles about how to do the cleaning yours...
by Imbros
Fri May 12, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 39
Views: 6575

Re: Beware Citibank Bonus Promotion

I remember hearing about Citibank's extremely poor customer service several years ago and have never done business with them.

I guess I will keep it that way.
by Imbros
Fri May 12, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Does a new car purchase make sense?
Replies: 40
Views: 3539

Re: Does a new car purchase make sense?

My question is whether a new car purchase make sense; I'm mostly asking if the safety concerns outweigh taking on a car payment. We have an 8-year-old subcompact car that we purchased new and has been fully paid off for years. We made that choice because we were moving to one income and I wanted to...
by Imbros
Fri Apr 28, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 138
Views: 13651

Re: Cost of car compared to Gross Income

I just read this by blogger Financial Samurai A car is the #1 personal finance killer given it is an unnecessary luxury that rapidly depreciates over time. I suggest spending no more than 1/10th of your gross income on the purchase price of a car. If you make $50,000 a year, then buy a nice second-...
by Imbros
Fri Apr 21, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Norway, Denmark and Sweden
Replies: 9
Views: 883

Re: Investing in Norway, Denmark and Sweden

I like Fidelity Nordic fund (FNORX) for it's diversification, but its expense ratio is way too high for me. I have been looking at other alternatives, like iShares, but they are not diversified enough. I would be willing to pick up some FNORX if Fidelity was more reasonable with the ER (I'm OK with ...
by Imbros
Wed Apr 12, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Tax preparer charging for past tax PDF's copies
Replies: 49
Views: 3818

Re: Tax preparer charging for past tax PDF's copies

As far as I know, if you want TaxAct or other similar applications to pull your taxes prior to the last years, they charge a fee. It is customer's responsibility to save past tax return copies. Even though that doesn't make me happy as a consumer, I think it is understandable that they charge a fee ...
by Imbros
Tue Apr 11, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Honda Pilot good 1st vehicle for teen?
Replies: 46
Views: 3146

Re: Honda Pilot good 1st vehicle for teen?

Is the Pilot too much car for a 16 year old? Absolutely yes. - Rather big. This is good in terms of having some more metal for protection, but it's also heavier and slower to stop than a sedan. Just because it is big doesn't mean it protects better. It is a 10 years old vehicle. Also, driving a nor...
by Imbros
Tue Apr 04, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered Recommended CD - good option?
Replies: 21
Views: 1813

Re: Brokered Recommended CD - good option?

I would go with the Synchrony Bank CD.
by Imbros
Fri Mar 31, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: I don't understand how commercial real estate making money
Replies: 41
Views: 4426

Re: I don't understand how commercial real estate making money

A great question I have been wanting to ask the great folks here.

I live in a midsize Midwestern college town, and I have been seeing more and more vacant commercial properties all over the city (including the downtown - high traffic areas) over the past 2 years.
by Imbros
Thu Mar 30, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Cars - possible recession indicator?
Replies: 21
Views: 3561

Re: Cars - possible recession indicator?

Monthly sales hit 18.6 million around the end of 2015 and 18.7 around in December 2016, which is great, but when you look at the overall monthly numbers it is pretty obvious that there is no upwards momentum anymore. Over the past 2 years, the monthly sales numbers have been roughly between 17.5 and...
by Imbros
Wed Mar 29, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Advice for Used Car Buying
Replies: 26
Views: 2593

Re: Advice for Used Car Buying

Background: We need to replace a 15 year old minivan in the next 6 months and plan to once again buy a 2-4 year old car in cash and drive it until it dies. We have in mind 2 different replacement models (Mazda CX-9 and Nissan Rogue with 3rd row) based upon research, rides, etc and don't feel partic...
by Imbros
Fri Mar 24, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: The Sweet Spot for Yearly Car Costs
Replies: 54
Views: 4728

Re: The Sweet Spot for Yearly Car Costs

I am wondering what the Bogleheads think is the sweet spot for the yearly cost of having an automobile. ... So what do you think is the sweet spot for yearly car costs? It has to be under $1,000 a year for me. Actually, I have been spending about $500 a year for my European compact luxury car over ...
by Imbros
Tue Mar 14, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: Why don't things "feel" bubbly?
Replies: 76
Views: 9614

Re: Why don't things "feel" bubbly?

I think for it to feel bubbly you need "non-investors" to influence the market. Lots of people who otherwise wouldn't have bought stocks during the tech boom. Lots of people bought houses they couldn't afford. There's the old saying that when your shoe shine boy starts giving you stock ti...
by Imbros
Thu Mar 09, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: is anything 'cheap' out there?
Replies: 82
Views: 14575

Re: is anything 'cheap' out there?

Curious, does anyone still think that the Energy and/or Mining are cheap?
by Imbros
Wed Mar 08, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 12715

Re: Do you use lifestrategy/ asset allocation funds?

I like the Vanguard LS Growth and Vanguard Wellington both. I ran across this backtest tool and decided to test VASGX against VWELX. Testing period: Jan 1995 to Feb 2017 Starting with $10,000 and contributing $400 monthly. Result: Wellington ended up with $441,054 and LS Growth with $350,023 For a ...
by Imbros
Wed Mar 08, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Are Fiat Cars Junk?
Replies: 71
Views: 6191

Re: Are Fiat Cars Junk?

Fun, yes. Reliable? Meh. I've heard many people complain of reliability, never anything positive. However, that said, these cars are like honda civics in Italy - they are everywhere! If you need something reliable, practical, and $ for a daily driver... 05-08 Acura TL These cars are everywhere in I...
by Imbros
Wed Mar 01, 2017 4:57 pm
Forum: Investing - Theory, News & General
Topic: Fidelity offers buy outs to reduce workforce
Replies: 26
Views: 4438

Re: Fidelity offers buy outs to reduce workforce

I like Fidelity a lot and have most of my money there but I wish they would have a cheap Balanced Index fund like Vanguard's VBIAX. FFNOX (Fidelity Four in One) actually fits your description but it has international (which may not be a bad thing) and also has a smaller bond allocation (again, whic...
by Imbros
Mon Feb 20, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Real estate purchase
Replies: 4
Views: 672

Re: Real estate purchase

Gropes & Ray wrote:23 acres for $325k rings my "too good to be true" alarm, unless there are major reasons why it cannot be developed with any density. You're talking about a parcel that in many places, a developer would put 50 houses on.


Agreed. What's the location OP?
by Imbros
Wed Feb 08, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 51
Views: 6217

Re: Rule of Thumb for Getting Rid of Car

I have BOUGHT cars with more miles than yours has. I wouldn't sell it just because it is older and has a few miles on it and has some little irritating things. I am increasingly bewildered at how disposable cars have become. I'm guessing I could put less than $100 worth of parts into your car and d...
by Imbros
Thu Jan 19, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: should I scrap my car after this accident
Replies: 23
Views: 1851

Re: should I scrap my car after this accident

Damage: m Thanks for the comments. ETA The price we would get for the car is $7500. I believe that the adjuster is saying that it would cost us $13k to buy a similar car to replace the Volvo. That doesn't appears to be a collision that would damage the frame. Also, no airbags deployed. I would have...
by Imbros
Tue Jan 17, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: How to improve my income as software lead/manager?
Replies: 52
Views: 5857

Re: How to improve my income as software lead/manager?

zaboomafoozarg wrote:$180k for a lead dev is really high in a low-to-mid COL area.


Agreed.
by Imbros
Tue Jan 17, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 346
Views: 60737

Re: What are Costco's best deals?

Interesting point is that some modern cars will run on anything. Our son just purchased a 2017 VW Passat and it says it runs on regular-87. However, it states it will slightly increase the horsepower by using 91. Newer engines have powerful computing systems that will adjust the antiknock ability n...
by Imbros
Tue Dec 27, 2016 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Allocation Advice
Replies: 11
Views: 1876

Re: Fidelity Allocation Advice

Have you considered Fidelity Four in One Index fund (FFNOX)?
by Imbros
Tue Dec 13, 2016 11:41 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 350
Views: 38831

Re: Flaunt Your High-Mileage Car

2006 SAAB 9-3 with 105k miles. I picked it up last year with just under 100k miles. The plan is to run it for another 100k miles with minimal maintenance. So far so good. Bought it for peanuts and maintenance is very inexpensive thanks to a mechanic I know. One year update: The car now has just und...
by Imbros
Thu Dec 01, 2016 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify Portfolio With Balanced Funds
Replies: 6
Views: 1373

Re: Simplify Portfolio With Balanced Funds

I would choose the one Balanced fund and be done. Total stock, total bond - all in one! You might have a savings account on the side to hold the withdrawals or a small cash cushion, and set it Vanguard to pay you XXX dollars every month. The BIG question is whether those are in an IRA (then dump it...
by Imbros
Mon Oct 10, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: Keep repairing car or get new car
Replies: 39
Views: 3578

Re: Keep repairing car or get new car

$25k = mid-trim level Honda Accord, Toyota Camry. But, if I were to replace this car with comparable current equipment level, I would need to spend about $30k. Have you seen the midtier 2016 Accord/Camry? I genuinely find it hard to believe that the equipment level of your 1999 VW is anywhere near ...
by Imbros
Thu Oct 06, 2016 10:19 am
Forum: Investing - Theory, News & General
Topic: World markets observation
Replies: 8
Views: 1220

Re: World markets observation

I think the answer you'll get is that the foreign markets are closed and therefore their market prices are "stale" and the current ADR values in domestic markets are the "correct" values for the foreign stocks in question. I get that until the divergence occurs two days in a row...
by Imbros
Fri Sep 02, 2016 11:16 am
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache Staying in Lending Club
Replies: 68
Views: 8550

Re: Mr. Money Mustache Staying in Lending Club

@EnjoyIt The pushback your are getting here is because not everyone like the MMM type lifestyle, and this is something MMM often mentions. Not everyone is willing to move to a low COL city because it will let them retire quicker or provide a more laid-back lifestyle. Or not everyone will want to sta...
by Imbros
Tue Aug 23, 2016 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank now allows you to submit wire transfers online
Replies: 8
Views: 1527

Re: Ally Bank now allows you to submit wire transfers online

Nicolas wrote:Does Ally do foreign wire transfers, or only domestic?

Edit: Never mind. I just looked it up: They accept incoming foreign wire transfers but no outgoing.


They used to allow foreign outgoing for a reasonable fee, but stopped it altogether a few years ago. :annoyed
by Imbros
Mon Aug 15, 2016 2:47 pm
Forum: Investing - Theory, News & General
Topic: Bogle & Buffett on International Investing
Replies: 107
Views: 12686

Re: Bogle & Buffett on International Investing

I'm uncomfortable with international stocks and agree with some posters about the risks involved particularly with emerging markets and countries like China/Russia and others. What about only investing only in international large/mega cap indexes? I imagine these companies come with less risk and t...
by Imbros
Wed Aug 10, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: Bogle & Buffett on International Investing
Replies: 107
Views: 12686

Re: Bogle & Buffett on International Investing

Berkhsire owns IMC Group, which is based in Israel and it is the second biggest company for metalworking products in the world. They made the biggest corporate deal in the history of Israel back in 2006.
They also have Netjets Europe.

Which makes me confused about Buffett's advise.
by Imbros
Thu Jul 28, 2016 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Redemption fees for Fidelity Index (nee Spartan) Funds
Replies: 24
Views: 2277

Re: Redemption fees for Fidelity Index (nee Spartan) Funds

Also, I don't know if anyone has noticed the new "Total International Index Fund" (FTIGX) on the list. It is a little confusing that their: International Index Fund (FSIIX) contains only developed countries. Total International Index Fund (FTIGX) contains both developed and emerging countr...
by Imbros
Mon Jul 25, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: Used car purchase (Rental) from dealer
Replies: 7
Views: 722

Re: Used car purchase (Rental) from dealer

mmarreco wrote:You can easily get $5,000+ off MSRP on a brand new GTI. VWs are not exactly flying off the lots these days.


Agreed.
by Imbros
Mon Jul 25, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: New car or not?
Replies: 43
Views: 4447

Re: New car or not?

What brand and type of tires do you have on your car? How old are they? Honestly I'd have to check. I have a set of parellies that came on the car but switched those out within the first year for all season tires. Right now I'm on the third set in 6 years, they are some kind of all season michelin ...
by Imbros
Sun Jul 24, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: New car or not?
Replies: 43
Views: 4447

Re: New car or not?

What brand and type of tires do you have on your car? How old are they?
by Imbros
Fri Jul 08, 2016 12:30 pm
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 76
Views: 6621

Re: Fidelity customers: Have you experienced pressure to buy active funds?

I have been with them for several years. My account was initially an ESPP but it was later converted into a brokerage.
Never received a call.
by Imbros
Mon Jun 06, 2016 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Lending Club desperate for investors?
Replies: 87
Views: 10604

Re: Lending Club desperate for investors?

... I had (mis) understood that if you made a loan via the LC platform, and the borrower defaulted, you could claim from that borrower. Legally you had loaned them the money and you had creditor rights. This is apparently not the case. You have lent LC money, and it lends them to all of its borrowe...