Search found 245 matches

by slayed
Wed Jun 13, 2018 4:12 am
Forum: Investing - Theory, News & General
Topic: 1 Year Rule - Not allowed to execute new investment strategy until 1 year has passed
Replies: 27
Views: 2436

Re: 1 Year Rule - Not allowed to execute new investment strategy until 1 year has passed

It's said one of the worse things investors can do is constantly tinker with their investment strategy. It's hard to do when you keep reading about value tilts, emerging markets, REITs, US vs International, tax efficiency, etc. I would argue it is even worse to stick with an investment strategy tha...
by slayed
Tue Jun 12, 2018 5:06 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11496

Re: MD&P just purchased X / sold Y [md&pharmacist]

Is this trading happening in a taxable account? If so then where are the taxes due coming from when you realize a gain?
by slayed
Sun Jun 03, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can a physician work in tech while practicing as well?
Replies: 57
Views: 3778

Re: Can a physician work in tech while practicing as well?

jayk238 wrote:
Sun Jun 03, 2018 8:56 am
Maybe get a masters in engineering EE while working and focus on machine learning and big data for the hospital system. I plan to get a math degree too-
What value do you place on the degree(s)? Because you don't need to go to school to learn any of the above.
by slayed
Wed May 30, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 4654

Re: My mind exploded

My 2 cents:

Don't let her know you snooped on her, it does nobody any good for her to know.
Stop snooping.
by slayed
Sun May 20, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device [updated]
Replies: 56
Views: 3362

Re: Wifi + wired device

The only mention of the port in the manual is for setting up a separate network. The spec sheet just refers to it as a Gigabit ethernet port. Does it seem likely that it would serve the purpose? Yes it is listed as wired to wireless adapter. It is probably also there as a setup option if you cant u...
by slayed
Sat May 19, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6138

Re: What’s your phone/internet bill?

phone $35/mo (Cricket)
internet $40/mo for 150up/150down (Frontier)
by slayed
Thu May 03, 2018 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 18208

Re: Ed. Jones rep didn't like our plan, now we're locked out

I’ve been reading Bogleheads for a few months (hands down best discovery I ever made) and have encouraged my parents to transfer their four stocks to Charles Schwab to sell and then invest the proceeds in Vanguard Funds through Schwab. You should consider just buying the Schwab index funds if you a...
by slayed
Mon Apr 23, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Experience with wood countertops for kitchen / wet bar ?
Replies: 9
Views: 856

Re: Experience with wood countertops for kitchen / wet bar ?

I would consider concrete as well... many, many options for finishes, epoxy, etc. You can even have a concrete countertop that looks like wood if you want.
by slayed
Mon Apr 23, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home with water damage
Replies: 21
Views: 1837

Re: Buying a home with water damage

Walk away, don't even waste money on getting it inspected.
by slayed
Mon Apr 23, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Building a New Home (Talk me out of it!)
Replies: 61
Views: 4750

Re: Building a New Home (Talk me out of it!)

It usually doesn't make sense to overbuild for the neighborhood, you won't get a good return on the money you put into it.
by slayed
Thu Apr 19, 2018 1:33 am
Forum: Investing - Theory, News & General
Topic: Bill Bonner: what's your take?
Replies: 38
Views: 3653

Re: Bill Bonner: what's your take?

TreadLightly wrote:
Thu Apr 19, 2018 12:32 am

we've got no problem throwing money into equities when we hit a downturn, but with BB swearing it's coming, it's hard to buy in without a clear dip.
we just had a dip in February and again in March (worst week in 2 years for US stocks), did you buy then? why not?
by slayed
Fri Apr 13, 2018 1:29 am
Forum: Personal Finance (Not Investing)
Topic: Buy I-Bonds before May 1 or After?
Replies: 16
Views: 1911

Re: Buy I-Bonds before May 1 or After?

If fixed rate goes up i'll buy at end of May, otherwise i'll wait until end of the year.
by slayed
Thu Apr 12, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 10796

Re: Wanting to leave Fidelity

if you are not happy at Fidelity you probably won't be happy anywhere.
by slayed
Wed Mar 28, 2018 3:27 am
Forum: Personal Finance (Not Investing)
Topic: Los Angeles Condo Purchase Advice
Replies: 53
Views: 3852

Re: Los Angeles Condo Purchase Advice

If you don't buy now, will the downpayment gift be available to you in the future when you do buy? If not, then I would buy, to not lose the "free" 235k you are getting from her parents.
by slayed
Sat Mar 17, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 130
Views: 13490

Re: 2018 Forester vs CRV vs RAV4

I went through this same process in 2016 when shopping for my SUV. Went with the Mazda CX-5 Grand Touring with the Tech and safety packages, been very happy with it. I would at least test drive it before you pull the trigger on your purchase.
by slayed
Fri Mar 16, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Should I join Mensa?
Replies: 39
Views: 2244

Re: Should I join Mensa?

I don't think it is exclusive enough to mean much as far as bragging rights go.
by slayed
Sun Mar 11, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 59
Views: 4731

Re: Men's Cologne

No such thing as a masculine cologne IMO
by slayed
Wed Feb 28, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 15131

Re: How much cash do you keep at any time on checking?

$5k - $15k. When my account hits $15k I transfer $10k of it to Vanguard or TreasuryDirect and let it build back up again.
by slayed
Sat Feb 17, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 91
Views: 8548

Re: Effect of spending money on appearance in career

Men are judged on their appearance as well, this isn't something that just faces women. How you present yourself to the world matters.
by slayed
Fri Feb 16, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Good brands for Kitchenware?
Replies: 40
Views: 3367

Re: Good brands for Kitchenware?

One other thing I would mention is to avoid the store brands when it comes to cook ware (SurLaTable, WilliamsSonoma, etc) as well as the gimmick lines named after a celebrity chef (Martha Stewart Living, Wolfgang Puck, etc). These are all knock off products that get out sourced and are not good enou...
by slayed
Fri Feb 16, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Good brands for Kitchenware?
Replies: 40
Views: 3367

Re: Good brands for Kitchenware?

All-Clad stainless is kind of the standard in stainless steel cookware and is made in the USA. A lot of the other brands have All Clad knockoff products that they manufacture in China (LeCreuset, Cuisinart, etc). One downside of All-Clad though is that a lot of people do not like the handles. Anothe...
by slayed
Thu Feb 15, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Dental chews for dogs....useful?
Replies: 36
Views: 2293

Re: Dental chews for dogs....useful?

Dilbydog wrote:
Thu Feb 15, 2018 12:19 am
Remember, canines in the wild will gnaw and consume raw bones.
They also have very short lifespans in the wild. They usually die long before tooth decay would be an issue.
by slayed
Tue Feb 13, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 7172

Re: Should I claim chapter 7 bankruptcy? debt 110k

hookemhorns wrote:
Tue Feb 13, 2018 6:42 pm
How did you manage to get a margin account with such a risk allowance? Fibbing on the initial brokerage application about your income and assets?
This. If you lied on your application in order to get the margin account that would be fraud and you might be in some legal trouble.
by slayed
Wed Jan 31, 2018 1:53 am
Forum: Investing - Theory, News & General
Topic: Kinda laughing, kinda mad - Vanguard Personal Investor
Replies: 45
Views: 8311

Re: Kinda laughing, kinda mad - Vanguard Personal Investor

I don't get it, why didn't you just tell your advisor you wanted someone else? Stop being so agreeable and just do it.
by slayed
Wed Jan 24, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 9664

Re: Working in the real world

Maybe little off topic, but last year I read "Coming Apart" - excellent and highly recommended book by Charles Murray. It was eye-opening! Might as well give the full title if you are going to so wholeheartedly recommend that particular book and author. Coming Apart: The State of White America, 196...
by slayed
Tue Jan 23, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 9664

Re: Working in the real world

tech workers that work 250k/year (and married to tech workers who make the same), and other absurd amounts. While here and there they might be accurate, I think there are too many high claims for them to all be actual income. That is not at all unusual for software jobs in HCOL areas. I grossed $23...
by slayed
Wed Jan 10, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 47
Views: 6055

Re: Early Retirement Incentive Plan is generating paranoia in a co-worker

I also believe that Megacorp really wants those of us with habits that are not congruent with Agile Software development to leave. Early retirement package is a way of clearing the way for newer and "better" models who will take to Agile development with enthusiasm. As a fellow developer I am curio...
by slayed
Mon Jan 08, 2018 4:04 pm
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 11505

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

I don't care for the question-less posts and would prefer that they be in a separate sub forum.
by slayed
Wed Dec 06, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 5886

Re: I received a speeding ticket via mail from IA - should I pay it?

Unfortunately most states share speeding ticket information with each other and Iowa is one of those states. You can search "Driver License Compact" and see the full list. You will end up having to pay the ticket when you go to renew your license in your home state.
by slayed
Tue Dec 05, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Fisher Investments
Replies: 16
Views: 2941

Re: Fisher Investments

I’m actually surprised that his ads are effective. I have a negative visceral reaction to him for some reason and always have to change the channel or turn off the TV when he appears, the same way I respond to pharmaceutical ads. I have the same reaction of disgust though I have never been able to ...
by slayed
Tue Nov 28, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Considering Building Gaming PC - Good Builds/Price Points?
Replies: 34
Views: 2773

Re: Considering Building Gaming PC - Good Builds/Price Points?

I would just spend $300 and pick up a Playstation 4, unless there are specific games that you want to play that are not available on console. Otherwise a PC just for gaming doesn't make much sense.
by slayed
Sun Nov 19, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 16859

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Dave Ramsey doesn't strike me as particularly intelligent so I tend to ignore his advice.
by slayed
Sun Nov 12, 2017 5:04 am
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 9403

Re: $23k credit card emergency

0% balance transfers are great, but you can do something else -> call all the creditors one by one and be as polite and courteous as possible while you ask the customer service person if there is anyway possible that they can lower your interest rate. 6yrs ago, I could have made almost the same pos...
by slayed
Thu Nov 09, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 30122

Re: How old are you and how much do you save for retirement a year

38 yrs old, usually save about $100k per year though I don't make a distinction for "retirement money" as I manage all of my investments as one portfolio. This year's bonus was higher so saved $130k so far. HSA: $3,400 401k: $21,500 (includes $3,500 match) Backdoor Roth: $5,500 IBonds: $10k EEBonds:...
by slayed
Wed Nov 08, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: What is a reasonable emergency fund for HI family?
Replies: 67
Views: 4617

Re: What is a reasonable emergency fund for HI family?

If your expenses are low compared to your income and you have insurance (disability, auto, etc) then you might not need an emergency fund at all. It really depends on the individual circumstances. I don't have an emergency fund but I also rent (so don't need $ on hand for home repairs) and I work fo...
by slayed
Wed Nov 01, 2017 2:13 am
Forum: Personal Finance (Not Investing)
Topic: I'm fairly young but done with saving money
Replies: 75
Views: 10496

Re: I'm fairly young but done with saving money

$2M probably gives you a safe withdrawal rate of $70-80k/year. Is that enough, especially when you figure in inflation? Even at 2%/year, inflation will take a huge chunk out of what that $80k will pay for 20, 30, or 40 years from now. Assuming 2% inflation, $80k now will be worth $35k in today’s do...
by slayed
Mon Oct 30, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 11725

Re: we bought a house - are we housepoor now?

Thats why we put 30% down instead of 20% ;) Its not just the mortgage - its also your higher property taxes that will drag on you for years to come. That's why many folks run the numbers against property value - not simply the mortgage. So why are you asking this question? I'm still waiting for you...
by slayed
Thu Oct 26, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 4649

Re: Amazon kindle paperwhite

Looks like the $89.99 deal is already over :( Back up to $119.99 this morning. They go back to the $89.99 price point frequently. Also, the current version of the Paperwhite has been on the market for almost 2 years...I believe it may be due for a refresh or upgrade soon, just like the Oasis. Accor...
by slayed
Thu Oct 26, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 4649

Re: Amazon kindle paperwhite

Looks like the $89.99 deal is already over :(

Back up to $119.99 this morning.
by slayed
Tue Oct 24, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: I just want to invest 200k and get 3%
Replies: 20
Views: 5698

Re: I just want to invest 200k and get 3%

30 year treasury is currently pretty close to that.
by slayed
Sat Oct 21, 2017 1:02 pm
Forum: Investing - Theory, News & General
Topic: I believe one can beat the market with a simple contrarian strategy. Am I a fool?
Replies: 32
Views: 4599

Re: I believe one can beat the market with a simple contrarian strategy. Am I a fool?

I don't see anywhere in your numbers where you are accounting for the cash drag of the money that you are choosing not to invest in a given month. Looking at the CAGR of your account doesn't mean much, you have to look at the CAGR of your portfolio, which includes the money that you are not investing.
by slayed
Fri Oct 20, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 59
Views: 7009

Re: Wife New Car Recommendations - SUV

The CX-5 is also available with AWD.
by slayed
Fri Oct 20, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 59
Views: 7009

Re: Wife New Car Recommendations - SUV

I bought a new 2016 CX-5 last year, have 20k miles on it at this point. Really happy with it would buy again.
by slayed
Thu Oct 19, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Best place to invest (*other* than Vanguard)?
Replies: 27
Views: 2914

Re: Best place to invest (*other* than Vanguard)?

I have been very happy with the customer service at Fidelity so I recommend them.
by slayed
Thu Oct 19, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Dow more than tripled in 8 years
Replies: 6
Views: 1150

Re: Dow more than tripled in 8 years

7 companies have been dropped from the Dow over those 8 years
by slayed
Sun Oct 15, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 7278

Re: Trash dumped on curb (need advice)

First thing I would do is report it to your local municipality. Stress the health hazard aspect. They will likely fine the property owners and have it removed.
by slayed
Thu Oct 12, 2017 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Corporate wellness program earnings deducted from paycheck
Replies: 7
Views: 1011

Re: Corporate wellness program earnings deducted from paycheck

It is possible that you are reading your paycheck incorrectly? Make sure you are not confusing total deduction line with current pay period line. Is it possible that the $800 check was the one where you actually got the $30 and this check is not a pay period where you get the $30 but it is listing t...
by slayed
Wed Oct 11, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 3587

Re: Boston area Relocation...major decision points

Definitely rent at first, Boston area real estate is so pricey that rushing to buy could result in a very costly mistake.