Search found 5755 matches

by inbox788
Mon Jan 21, 2019 3:05 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 62
Views: 8670

Re: Fidelity Rewards Visa Card

I did some onetime setup a long while back and the rewards automatically show up in my Fidelity Cash Management Account monthly. I can easily withdraw from there or transfer to any other account. I did the same thing and don’t remember if a reminder was automatically set up or I did that manually t...
by inbox788
Sun Jan 20, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Negotiating for CPO Toyota or Honda
Replies: 9
Views: 787

Re: Negotiating for CPO Toyota or Honda

It looks like there's limited supply (especially CPO) and not much negotiation room.. wondering if anyone else has run up against that ? Thanks in advance, perhaps mostly venting here, but maybe someone has related ideas or experiences to share. How used are you looking? I would expect very few 1-2...
by inbox788
Sat Jan 19, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: Is the security check website "Have I Been Pwned?" legit?
Replies: 28
Views: 3999

Re: Is the security check website "Have I Been Pwned?" legit?

And they're collecting information from you that could be a) hacked in the future or b) could be sold in the future. Read their privacy policy, and note what cookies they try to place on your computer. This is what I am concerned about. Thanks. j :happy Nothing worth being concerned about, since yo...
by inbox788
Sat Jan 19, 2019 5:30 pm
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7372

Re: When would you stop being a Boglehead?

You might be the highest net worth here I didn’t realize that and to be honest, it scares me a little bit that I might be the only one applying the Bogleheads principles at this level of funds. :? You might be on the personal side, but don't worry, you're never alone. This fellow running the Nevada...
by inbox788
Fri Jan 18, 2019 5:37 pm
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7372

Re: When would you stop being a Boglehead?

I'd be super interested in hearing from someone here with this level of funds who manages his/her portfolio alone. Surely there's at least one really wealthy Boglehead, right? 8-) What level of assets are you looking for? I doubt that there’s anyone here with $250 million. But there are probably mo...
by inbox788
Thu Jan 17, 2019 3:35 pm
Forum: Investing - Theory, News & General
Topic: Wrong about international bonds?
Replies: 26
Views: 2512

Re: Wrong about international bonds?

No. Bonds are for safety. Why would you want to take on currency risk in your safe assets? Or do you want to incur the added cost of currency hedging instead? Looks like the currency hedging is pretty cheap. Dale This currency hedging is quite confusing. The dollar index went from 90.5 to 96 in 201...
by inbox788
Wed Jan 16, 2019 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11221

Re: Biggest Investment Mistake

RJC wrote:
Fri Jan 11, 2019 3:04 pm
I bought a fancy Honda Prelude as well back then. It was the thing to do after college and getting that first job. :oops:
That fancy Honda Prelude was the second biggest mistake of my life. Helped me meet my first biggest mistake of my life. :oops: :oops:
by inbox788
Wed Jan 16, 2019 6:04 pm
Forum: Investing - Theory, News & General
Topic: Further diversifying the 60/40 portfoilio?
Replies: 29
Views: 3346

Re: Further diversifying the 60/40 portfoilio?

Market cap weight is closer to 40/60 US/Ex-US I believe but to your note of 50/50 being more diverse than 100% ex-US, I believe half the revenue generated by public companies comes from the US. I've looked around for a number or formula that quantifies diversification, but have failed. But even tho...
by inbox788
Wed Jan 16, 2019 3:22 am
Forum: Investing - Help with Personal Investments
Topic: Med student asking for portfolio help!
Replies: 11
Views: 1127

Re: Med student asking for portfolio help!

Desired Asset allocation: 80% stocks / 10% bonds / 10% REIT Desired International allocation: 25% of stocks Taxable 16.8% Vanguard Total Stock Market Index (investor shares) (VTSMX) ER 0.14 2.5% Pieris pharmaceuticals (PIRS) 401k 3% company match 9.5% Fidelity Freedom 2055 (FDEEX) ER 0.75 Roth IRA ...
by inbox788
Tue Jan 15, 2019 9:35 pm
Forum: Investing - Theory, News & General
Topic: Further diversifying the 60/40 portfoilio?
Replies: 29
Views: 3346

Re: Further diversifying the 60/40 portfoilio?

Buying a few pieces of art, wine, or cryptocurrency (let alone land in Antarctica) is quite different than a fund containing 10,000+ companies outside the US. I would be interested to see any way you can state that holding Total US Stock (~3000 companies) is more diverse than holding any amount of ...
by inbox788
Tue Jan 15, 2019 2:53 pm
Forum: Investing - Theory, News & General
Topic: Further diversifying the 60/40 portfoilio?
Replies: 29
Views: 3346

Re: Further diversifying the 60/40 portfoilio?

I don’t feel you can even begin to look into diversification until you hold a >20% (of equity) stake in International. I'm not disagreeing with the international stake (opinions and numbers here vary wildly). I just want to point out that when you "diversify" into something else, you're "undiversif...
by inbox788
Tue Jan 15, 2019 2:06 am
Forum: Personal Finance (Not Investing)
Topic: Pay off a 30 year mortgage in 15 years? The cost of flexibility
Replies: 79
Views: 7575

Re: Pay off a 30 year mortgage in 15 years? The cost of flexibility

This post does not address the value in paying off a mortgage early but rather the choice to specifically take out a 30 year mortgage when one intends to pay it off in 15 years. I've heard people say many times that they were paying off their 30 year mortgage in 15 years, and I've also heard this s...
by inbox788
Tue Jan 15, 2019 1:45 am
Forum: Personal Finance (Not Investing)
Topic: Term life insurance with indeterminate premium contract form?
Replies: 13
Views: 710

Re: Term life insurance with indeterminate premium contract form?

All of that is correct, standard stuff here. Term policies don't just end after the term, you have the option of keeping the policy but the premiums go up every year after the term ends. The 57 years is probably because that is when you turn 95 or 100 years old. This sounds like some regulatory com...
by inbox788
Mon Jan 14, 2019 9:04 pm
Forum: Investing - Theory, News & General
Topic: Further diversifying the 60/40 portfoilio?
Replies: 29
Views: 3346

Re: Further diversifying the 60/40 portfoilio?

Long term Treasuries China A-Shares Emerging market bonds Would you care to explain why you recommend these options? Thanks very much. All three examples exhibit low correlation with the US stock market. In the case of long Treasuries, the correlation has even been negative over the past 20 years o...
by inbox788
Mon Jan 14, 2019 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Scammed into Cash Value Life insurance, now what?
Replies: 10
Views: 1584

Re: Scammed into Cash Value Life insurance, now what?

Who paid past premiums? Who is the beneficiary? What are remaining premiums? Any suggestions on how to invest this $120k? If I could get 4% return I would be happy. I was thinking a brokerage account with a robo-advisor like betterment and go with a conservative AA of 35 bonds/65 stocks (I know bett...
by inbox788
Sun Jan 13, 2019 3:23 am
Forum: Investing - Help with Personal Investments
Topic: Advice on Personal Choice Retirement Account
Replies: 14
Views: 736

Re: Advice on Personal Choice Retirement Account

I recently learned that I have the option to open a PCRA (personal choice retirement account) through Schwab for my 401k investments. I currently am paying 36 basis points in advisor fees for my 401k, which I have invested entirely in the Vanguard 500 Index Fund Admiral Shares (VFIAX, ER 0.05). My ...
by inbox788
Sun Jan 13, 2019 2:54 am
Forum: Personal Consumer Issues
Topic: Large SUV
Replies: 75
Views: 6408

Re: Large SUV

2014 IIHS death rates Honda Odyssey 8 Suburban XL 1500 4wd 39 Honda Civic 39 Jetta 26 So that big ass Suburban is 5x as deadly as a Odyssey and about as safe as a Civic. The Jetta is safer than the suburban:) And yes that is a bit of an abuse of the IIHS.org dataset but the general idea of bigger b...
by inbox788
Sat Jan 12, 2019 8:50 pm
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 160
Views: 13491

Re: Around 43K in dividends last year - feel good about it ?

My portfolio threw around 43K total dividends in 2018 ( was around 36K in 2017). Around 14 k is taxable. This number does not include cap gains distribution by mutual funds. On one hand it feels good to see this stream of income coming in , but on the other I am still down by 90K for 2018 even afte...
by inbox788
Sat Jan 12, 2019 8:30 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4325

Re: Are REITs better to purchase when interest rates are high or low?

American Tower owns the land. Data Storage owns the land and buildings. That’s real estate. You can look at it that way, but it's a lot more nuanced than that. These REITs often don't own the land, but lease it from the owners. The industry is sliced and diced a whole lot more than you might think....
by inbox788
Sat Jan 12, 2019 6:10 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4325

Re: Are REITs better to purchase when interest rates are high or low?

All it buys you is the ability to ratchet risk up and down, but there are plenty of ways to achieve that with securities, so it’s not a net gain for RE investors. Of course REITs are “investing in real estate”and to suggest otherwise is absurd. The securitized nature of REITs adds a layer of liquid...
by inbox788
Sat Jan 12, 2019 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: VTI to VTSAX... taxable event?
Replies: 12
Views: 1099

Re: VTI to VTSAX... taxable event?

I'm sure Vanguard COULD provide tax-free conversion from ETF to Admiral etc. but they don't. So yes, it would be a taxable event. If it's a loss, it would be interesting to see what Vanguard would do. The law wouldn't require them to report a wash sale, but there's a high probability that it would ...
by inbox788
Sat Jan 12, 2019 1:53 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4325

Re: Are REITs better to purchase when interest rates are high or low?

A look at the Callen Periodic Table will help you understand what you're dealing with. https://www.bogleheads.org/wiki/Callan_periodic_table_of_investment_returns https://www.callan.com/wp-content/uploads/2019/01/Classic-Periodic-Table-2019.pdf And not all REITs are the same, with some specializing ...
by inbox788
Sat Jan 12, 2019 6:04 am
Forum: Investing - Help with Personal Investments
Topic: I inherited individual stock. Should I sell it now or wait?
Replies: 28
Views: 2304

Re: I inherited individual stock. Should I sell it now or wait?

Inherited stocks get a "stepped up" cost basis (see Wiki... https://www.bogleheads.org/wiki/Step-up_in_basis). So, unless the stock has significantly appreciated since the date of your father's death, there will be no capital gains taxes. Agree with selling sooner, rather than later. Is it possible...
by inbox788
Fri Jan 11, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Covered Calls on Portfolio
Replies: 10
Views: 633

Re: Covered Calls on Portfolio

Just go in small and build up from there. I did it for years quite profitably but it takes patience and you get tense because stock prices do not rise or fall monotonically. They always yoyo. So, now that I am in my mid 70s I decided to stop. My typical trades went as follows: Buy $1 million $ of S...
by inbox788
Fri Jan 11, 2019 2:58 am
Forum: Personal Finance (Not Investing)
Topic: Covered Calls on Portfolio
Replies: 10
Views: 633

Re: Covered Calls on Portfolio

Does anyone here sell covered calls on their long-term investments through Vanguard? I am in a lower tax bracket so selling covered calls looks like a decent way to produce some income on long-term holdings but I do not have much experience selling options. Any resources or advice is appreciated. Y...
by inbox788
Thu Jan 10, 2019 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Building Wealth Through Home Equity--Myth or Reality?
Replies: 94
Views: 6080

Re: Building Wealth Through Home Equity--Myth or Reality?

The premise seems to be that most Americans acquire the majority of their wealth through home ownership. The median US household value of all financial accounts (retirement and non-retirement) is around $16,000. So it is not surprising that household wealth is in home equity for most, given that ev...
by inbox788
Wed Jan 09, 2019 7:05 pm
Forum: Investing - Theory, News & General
Topic: ESPP Purchase/Sale Specifics
Replies: 11
Views: 739

Re: ESPP Purchase/Sale Specifics

Since the same idea may apply for several thousand employees (22k total) all trying to do the same thing at the same time, has anyone seen a situation where the first trading day of the New Year has resulted in a gap down situation which could erode a good portion of that potential 15% or more gain...
by inbox788
Wed Jan 09, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Opinions on 2019 RAV4 and/or 2019 Santa Fe
Replies: 23
Views: 1801

Re: Opinions on 2019 RAV4 and/or 2019 Santa Fe

I'd have to update myself on the Santa Fe, but isn't it a bigger? Kind of inbetween CRV and Pilot, so maybe compare to Highlander also. Also, don't forget new Passport that now fills gap and might be closer comparison. FWIW, my neighbor who's owned a Santa Fe for about a decade and was happy wound u...
by inbox788
Wed Jan 09, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Leasing a car
Replies: 27
Views: 2731

Re: Leasing a car

When a relative passed in 2013, in early 2014 we contacted the luxury brand (Lexus?) directly and told them we wanted to turn the car in. They repeatedly asked where it was , we repeatedly declined to answer and offered to bring it to a local dealer. Since they didn't have a physical address for th...
by inbox788
Wed Jan 09, 2019 8:12 am
Forum: Personal Consumer Issues
Topic: Keeping old statements from closed accounts
Replies: 22
Views: 1905

Re: Keeping old statements from closed accounts

Is there any reason at all to keep statements from old retirement accounts that have been closed? I think the short answer is NO! They annoy me because they are reminders of how much we paid in fees back then when we were locked into bad employer plans! Keep them! Frame them! Maybe frame just one! ...
by inbox788
Wed Jan 09, 2019 1:32 am
Forum: Personal Consumer Issues
Topic: Recommend men's undershirts
Replies: 49
Views: 3525

Re: Recommend men's undershirts

If budget isn't a consideration, give Saxx a try. I might someday.

https://www.saxxunderwear.com/collections/tops
by inbox788
Tue Jan 08, 2019 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Down an Interest-Only ARM
Replies: 9
Views: 775

Re: Paying Down an Interest-Only ARM

I assume you're making good income and your job is relative secure. You basically have a 5 year 2.25% loan, and to replace that today, you'd be looking at 4-5%. You're paying about 2% more for 5 years or around 100k in interest in the next 5 years to secure a more predictable worst case situation. A...
by inbox788
Tue Jan 08, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: I bought a new iPad on sale...should I have?
Replies: 38
Views: 2538

Re: I bought a new iPad on sale...should I have?

Anyways, I've always thought the iPad was a cool device since it was released, but never bought one . ... It's now been at my house in the box since I've received it (the package box), and I haven't opened it. I keep thinking will I actually use it, or will I use it for a few weeks and it will just...
by inbox788
Mon Jan 07, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: $70k Salary, how much Car can I afford? Recommendations?
Replies: 22
Views: 2710

Re: $70k Salary, how much Car can I afford? Recommendations?

Never ask how much car or how much house you can afford. The way to get rich is to always buy far less car or house than you can "afford". Splurge and buy one of these cars that billionaires drive! You might become a billionaire some day and can afford it. https://www.cnbc.com/2018/08/21/9-billiona...
by inbox788
Mon Jan 07, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: Help with Spam Phone calls: Non-Smart phone
Replies: 9
Views: 475

Re: Help with Spam Phone calls: Non-Smart phone

Join my CallerID+ Coalition Seriously just get another phone number unless you can live without incoming phone service for another month. Feel free to contact me for additional help. Hopefully technological like these can be implemented to stop this nonsense before people give up on their phones, b...
by inbox788
Mon Jan 07, 2019 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP - Should I or shouldn't I?
Replies: 30
Views: 1260

Re: ESPP - Should I or shouldn't I?

I'd max out. Sell immediately every 3 months. You didn't state how much commissions were - need to factor this in. Agree! https://www.bogleheads.org/wiki/Prioritizing_investments#Funding_priority OP, in your situation, I think the risk/benefit from the ESPP ranks it at 3.5 for the small amount and ...
by inbox788
Mon Jan 07, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Help with Spam Phone calls: Non-Smart phone
Replies: 9
Views: 475

Re: Help with Spam Phone calls: Non-Smart phone

...there are spammers who actually target non-smartphones because they know they are predominantly owned by the elderly. ....She was getting about a hundred calls a day. It went on for weeks before she changed her number. These spammers are evil! If the spam suddenly increases and tapers off, it's ...
by inbox788
Mon Jan 07, 2019 2:30 am
Forum: Investing - Help with Personal Investments
Topic: High income earner with high debt.
Replies: 20
Views: 1971

Re: High income earner with high debt.

Emergency funds: None. You need some emergency cash! At least 3 months IMO. Debt: Student Loan (238k @ 4%), Car (47k @ 3.5%) Assuming these are fixed rate, take as long as you can paying them off for cash flow. Invest the savings in cash flow. Don't spend it! State of Residence: CA Move to a lower ...
by inbox788
Sun Jan 06, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 45
Views: 2320

Re: best cheap printer

I have a Brother HL-3140CW, but it looks like a newer comparable model might be the HL-L3270CDW. Thanks! I don't mind paying $200 for a machine that lasts a few years, but $70/cartridge x 4 colors for toner is quite expensive. There seems to be a generic 4 color replacement for about $70 total that...
by inbox788
Sun Jan 06, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: How often do you deep clean?
Replies: 52
Views: 2383

Re: How often do you deep clean?

My toddler often throws his sandwich on the floor if it's not up to his exacting sandwiches. It goes right back on his plate, even if the dog sniffed it. How can you expect your toddler to eat a sandwich that the dog won't even eat? :confused So what if the dog sniffed it? I'm more worried about wh...
by inbox788
Sun Jan 06, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: How often do you deep clean?
Replies: 52
Views: 2383

Re: How often do you deep clean?

All sheets are boiled (yes, boiled!) to kill off things like dust mites, then washed, then ironed. Anything textile related is steam cleaned. Curtains are pre-washed to get rid of grime, then sent to the dry cleaners. He insists on tossing out fabric chairs and getting new ones since the dust build...
by inbox788
Sun Jan 06, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 177
Views: 9276

Re: Which Compact SUV Should I Buy?

X3 or X5 if going the lux route. Volvo is owned by the Zhejiang Geely Holding Group Co. Ltd., headquartered in Hangzhou, China. Buyer beware. Geely might be headquartered in China, however Volvo Cars is headquartered in Gothenburg, Sweden. Volvo is more Swedish now, and makes better cars then when ...
by inbox788
Sun Jan 06, 2019 1:13 am
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 45
Views: 2320

Re: best cheap printer

Any specific Brother Color Laser Printer model or color cartridge to choose? Are the personal ones ok to use infrequently but long term, or is it better to step up to the business units? https://www.amazon.com/s/?field-keywords=brother+color+laser Where to buy replacement cartridges? Do you print en...
by inbox788
Sun Jan 06, 2019 1:08 am
Forum: Personal Consumer Issues
Topic: Phone concierge service for seniors?
Replies: 17
Views: 1595

Re: Phone concierge service for seniors?

Your MIL transports her number to your wife. Your wife keeps 2 phones. MIL's friends now call your wife's second phone and your wife acts as the screener. Your wife uses the appropriate filtering apps. Your MIL gets a new phone number and loads it with friends phone numbers and the phone is set to ...
by inbox788
Sun Jan 06, 2019 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Verizon Internotes at 4.1%
Replies: 12
Views: 1818

Re: Verizon Internotes at 4.1%

FWIW, $233B Market Cap and 4.28% dividend yield. https://www.google.com/search?tbm=fin&q=vz They are authorized to buy back about 20% of their outstanding shares. https://www.thestreet.com/story/14026231/1/verizon-announces-100-million-share-buyback-program.html In effect, Verizon itself is borrowin...
by inbox788
Sun Jan 06, 2019 12:31 am
Forum: Personal Consumer Issues
Topic: Superautomatic espresso machines
Replies: 36
Views: 2348

Re: Superautomatic espresso machines

I've graduated from the Nespresso to semi-automatic/automatic espresso, and to me, it's a big improvement. I looked at the automatic/super-automatic machines, but the cost and size was a barrier (as well as risk and cost of repairs). Plus my grinder and coffee are probably not yet maximized yet for ...
by inbox788
Sat Jan 05, 2019 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA - is it worth filling out?
Replies: 108
Views: 5481

Re: FAFSA - is it worth filling out?

91. As of today, what is the net worth of your parents’ investments, including real estate? Do they provide a method of accounting for determining net worth or value of a real estate investment today? GAAP? non-GAAP? Liquidation value for a real estate investment may be zero or negative for a milli...
by inbox788
Fri Jan 04, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: What Sudden Needs of Cash Do You Prepare For?
Replies: 64
Views: 3601

Re: What Sudden Needs of Cash Do You Prepare For?

Maybe consider separating “emergency funds” and “saving for anticipated future expenses.” Treat an emergency fund as insurance rather than an investment, so it should be liquid. Things like 6-12 months unemployment, an A/C or car repair, etc. Anticipated future expenses would be a roof replacement ...
by inbox788
Fri Jan 04, 2019 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Which Money Market account now that interest rates have gone up?
Replies: 57
Views: 7333

Re: Which Money Market account now that interest rates have gone up?

robertmcd wrote:
Fri Jan 04, 2019 5:49 pm
Use Prime Money market at Vanguard if you want a set it and forget approach
It hasn't been competitive, but now seems to be pretty good at nearly 2.5% yield. I'll consider it!

https://investor.vanguard.com/mutual-fu ... file/VMMXX
by inbox788
Fri Jan 04, 2019 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Which Money Market account now that interest rates have gone up?
Replies: 57
Views: 7333

Re: Which Money Market account now that interest rates have gone up?

I've heard good things about Ally, but their MM looks like it's only at 1%. CapitalOne is now at 2%, and if you chase rates, it's even higher. https://www.nerdwallet.com/blog/banking/best-money-market-accounts/ I'm looking for a fair return on MM or other automatically returning account without hav...