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Imbros

Keep in mind many Turkish companies are used to hedging currencies. They have dealt with hyperinflation before. This is something most European and American companies have never experienced. I think the bottom is occurring in Turkish assets right now (in dollar terms). Let's go back to the economy....

Imbros

The fact that you guys are so negative just confirms the value I am getting. How would you have reacted if everyone had supported this play? I believe markets are comprised of two components: fundamentals and sentiment. When fundamentals and sentiment both look awful, it's almost always time to buy...

Imbros

Rich people are fleeing Turkey almost as fast as they are from Venezuela. It's much too early to try to speculate on upside in their economy as the situation is more likely to continue to deteriorate rather than stabilize and improve in the near term. Correct. This is the best observation and forec...

Imbros

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...

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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.

Imbros

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 ...

Imbros

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. ...

Imbros

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.

Imbros

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 ...

Imbros

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...

Imbros

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...

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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?

Imbros

You are not receiving those letters because those cars are high in demand.

Imbros

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 ...

Imbros

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.

Imbros

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 yourself. It sh...

Imbros

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.

Imbros

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...

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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-...

Imbros

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 ...

Imbros

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 ...

Imbros

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...

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I would go with the Synchrony Bank CD.

Imbros

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.

Imbros

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...

Imbros

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...

Imbros

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 ...

Imbros

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 tips it's ti...

Imbros

Curious, does anyone still think that the Energy and/or Mining are cheap?

Imbros

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 ...

Imbros

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 :sharebeer These cars are ever...

Imbros

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...

Imbros

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?

Imbros

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...

Imbros

Damage: https://drive.google.com/file/d/0B1Igp8VelsI7YUI2N1NhbU9BOFU/view?usp=sharing 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 co...

Imbros

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

Agreed.

Imbros

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...

Imbros

Have you considered Fidelity Four in One Index fund (FFNOX)?

Imbros

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...

Imbros

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...

Imbros

Here is the thread.

viewtopic.php?f=9&t=139898

Imbros

$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 ...

Imbros

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 as you noted, at wh...

Imbros

@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...

Imbros

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.

Imbros

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...

Imbros

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.

Imbros

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 countries. There...

Imbros

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.

Imbros

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 ...

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