Search found 604 matches

by dziuniek
Sat Nov 16, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Study ranks 4,500 colleges by net present value of 40 year ROI
Replies: 43
Views: 5722

Re: Can you guess what this ranked list of colleges is?

So its the 40 year NPV of education at those schools. The data is deceptive, though, as the top earning schools are Pharmacy schools. They are listed as 4 years schools, when in fact pharmacists require 3-4 years post graduate work to earn a DPh. 2 years pre-pharmacy + 4 years pharmacy schoold here...
by dziuniek
Tue Nov 12, 2019 1:17 pm
Forum: Investing - Theory, News & General
Topic: If you were forced to pick an alternative asset...
Replies: 101
Views: 6067

Re: If you were forced to pick an alternative asset...

How about investing in one of those axe-throwing start-up places I'm starting to see?
by dziuniek
Fri Nov 08, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 90
Views: 7237

Re: Should I buy the family cottage?

Meh, buy it, sell it, pay for college.
by dziuniek
Fri Nov 08, 2019 9:32 am
Forum: Personal Investments
Topic: Boglehead investing through a major downturn
Replies: 58
Views: 6718

Re: Boglehead investing through a major downturn

I rejoiced as everything was going on sale. By then end of 2009, my account was already above pre 2008 levels. I was 100% equities at the time. Now it might take two yearsif we had a similar downturn. But my portfolio is much larger and my allocation is more conservative. True, but 'similar' is the...
by dziuniek
Sun Oct 27, 2019 7:57 pm
Forum: Personal Investments
Topic: CalPERS - Are there additional ways to increase retirement savings?
Replies: 13
Views: 1055

Re: CalPERS - Are there additional ways to increase retirement savings?

After that, I would buy very tax efficient index funds in taxable earmarked for retirement. Certainly, you would want to tax loss harvest these and manybe even reset basis in low tax years. I-bonds are also an option that can be considered. You mentioned 529 plans are a no-go because of no children,...
by dziuniek
Tue Oct 22, 2019 8:04 pm
Forum: Investing - Theory, News & General
Topic: Help me figure out why REITs are not higher % of AA
Replies: 31
Views: 2066

Re: Help me figure out why REITs are not higher % of AA

I forgot who said this, but ultimately it was something along the lines of:

'Would you rather own the space the comapnies lease or the companies themselves?'

- the companies need to make more money than REITS to pay them. -> this sort of makes sense to me.
by dziuniek
Mon Oct 07, 2019 8:57 am
Forum: Personal Investments
Topic: Borrowing at one rate (mortgage) and lending at another (bonds)
Replies: 7
Views: 766

Re: Borrowing at one rate (mortgage) and lending at another (bonds)

Bonds return does not come from it's coupon payment only.

What's the yield on Vanguard Total Bond Market versus what it returned year-to-date?

Additionally, I look at bonds as a form of insurance/hedge against a drop in stocks and real estate.
by dziuniek
Tue Sep 24, 2019 8:46 pm
Forum: Investing - Theory, News & General
Topic: Favorite daily news feed? (international finance relevant)
Replies: 4
Views: 534

Re: Favorite daily news feed? (international finance relevant)

Zerohedge.com - just be aware that it's all doom and gloom, but still entertaining!
by dziuniek
Mon Sep 23, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Best places to live to raise a family (cost doesn't matter)
Replies: 95
Views: 9233

Re: Best places to live to raise a family (cost doesn't matter)

Greenwich CT wouldn't be bad if you like "seasons"...

Then again, I remember a comedian saying along the lines of:
- I love "seasonsss" too, that's why I live in a place that skips the 'Shi**y' ones.
by dziuniek
Fri Sep 13, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Whistleblowing / Going Rogue at Work
Replies: 122
Views: 6428

Re: Whistleblowing / Going Rogue at Work

This whole thing is crazy. Your #1 job as an employee is to make your boss look great to his boss. You should have been working with your direct supervisor to address these issues. If the direct supervisor was not willing to work with you to come to a resolution you should either have kept your mou...
by dziuniek
Fri Sep 13, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Whistleblowing / Going Rogue at Work
Replies: 122
Views: 6428

Re: Whistleblowing / Going Rogue at Work

I'd go to the meeting because that could be fun.

- either get walked out, - oh well since you're obviously not happy there OR ...
- make a friend pretty darn high up

No guts, no glory.

Just refresh your resume and make sure your emergency fund is in fact funded.
by dziuniek
Thu Sep 12, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area budget for $350k family income
Replies: 94
Views: 7581

Re: Bay Area budget for $350k family income

That’s actually low for our VHCOL. You can find cheaper but only if you go unlicensed or a significant reverse commute to get them there. Nanny could be cheaper but only if you pay under the table, which is a whole different conversation that I won’t start here but, for many, not an option. Point a...
by dziuniek
Thu Sep 12, 2019 11:42 am
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 115
Views: 9892

Re: Too Late To Get Back Into Stocks?

Don't stocks climb a wall of worry? :twisted:
by dziuniek
Thu Sep 12, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area budget for $350k family income
Replies: 94
Views: 7581

Re: Bay Area budget for $350k family income

Post this same article link on MMM and will get shred to pieces there hehe. Seems like a lot of bloated expenses such as over 2k on food, 400 for clothes, and whoa 4.5k for childcare expenses for 2 kids? Can imagine in this case a full time nanny can be had for maybe half that amount to care for bo...
by dziuniek
Tue Sep 10, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: I'm gonna need a bigger TV...
Replies: 36
Views: 4501

Re: I'm gonna need a bigger TV...

We bought a budget LG TV last year - the 70inch model for $700.

So far - so good, no issues.

Has the built in apps + app store.
by dziuniek
Tue Sep 10, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Where to go "borrow" fast upload speed
Replies: 10
Views: 802

Re: Where to go "borrow" fast upload speed

College Library.
by dziuniek
Mon Sep 09, 2019 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Have you been doing better than your parents?
Replies: 30
Views: 2299

Re: Have you been doing better than your parents?

Wife and I are doing considerably better than our immigrant parents income-wise. Both of our families came over here when we were teenagers and met here in the US. My wife and I probably have 50% of our parents net worth being in our early-to-mid 30s. Unless one of us stops working, we will eclipse ...
by dziuniek
Tue Aug 20, 2019 7:03 am
Forum: Personal Investments
Topic: Invest vs pay off student loan in 1 year period
Replies: 43
Views: 2145

Re: Invest vs pay off student loan in 1 year period

I don't know the rest of your situation, but paying the loan off might make sense if you're thinking of purchasing real estate soon. (freed-up cashflow)

Tax wise - 401k is a no brainer assuming you're going the pre-tax route.

Option C.
Live like you got a 50% paycut and do both next year! :D
by dziuniek
Mon Aug 19, 2019 11:14 am
Forum: Personal Investments
Topic: Invest or pay off student loans?
Replies: 41
Views: 1846

Re: Invest or pay off student loans?

Yeah, forgiveness, I've thought about this too. I doubt it will comer to fruition, but I would be pretty miffed if it did. Wife and I are almost 80% done with paying off our six figure student loan balance, so if they forgave after we finished paying it off (sometime in 2020), I wouldn't be a happy ...
by dziuniek
Mon Aug 19, 2019 7:19 am
Forum: Personal Investments
Topic: Prudential 457
Replies: 5
Views: 443

Re: Prudential 457

For example, my admin fee is minimal at 0.045% - not bad at all.

(@prudential 457b)
by dziuniek
Mon Aug 19, 2019 7:12 am
Forum: Personal Investments
Topic: Invest or pay off student loans?
Replies: 41
Views: 1846

Re: Invest or pay off student loans?

What is the tax treatment of the forgiven amount? If after 20 years, you have a balance of $50k, once forgiven, be $50k taxable income to you? I've heard of some forgiveness programs where that's the case. Do the math. What is your balance 20 years in based on your growing income. Calculate taxes on...
by dziuniek
Fri Aug 16, 2019 8:11 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2519
Views: 464716

Re: What are you up YTD? [Year To Date]

Currently 12-13% depending on account. De-risked heavily as the year progressed.
by dziuniek
Fri Aug 16, 2019 7:16 am
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 8634

Re: No pay increase but increase in responsibility

So everyone here is under the assumption that 50-55 hours per week seems to be a lot of hours to work....

ha,ha,ha.
by dziuniek
Thu Aug 15, 2019 8:57 am
Forum: Investing - Theory, News & General
Topic: Why Zero (or Negative) Interest Rates Could Someday Make Sense
Replies: 92
Views: 6903

Re: Why Zero (or Negative) Interest Rates Could Someday Make Sense

I still don't buy it. Why would I ever invest $100 in a bond for the chance (<100% - from default) that it would mature at $99 (or less) if I could instead hold cash for 100% chance of maturing at $100? Even if there was no default risk, it doesn't make sense to me. Yields down - price up.... So yo...
by dziuniek
Thu Aug 15, 2019 8:53 am
Forum: Investing - Theory, News & General
Topic: 30 year treasury yield drops below 2% for the first time in history
Replies: 41
Views: 5481

Re: 30 year treasury yield drops below 2% for the first time in history

I cant imagine anyone buys 30 year treasuries yielding 1.99% to actually hold for 30 years. Obviously, interest rates will go up some time in the next 30 years. I presume people buying these are just betting rates will continue to fall in the short term so they can sell these for a profit. What abo...
by dziuniek
Wed Aug 14, 2019 12:07 pm
Forum: Investing - Theory, News & General
Topic: What happens if Treasury yields become negative?
Replies: 6
Views: 991

Re: What happens if Treasury yields become negative?

If you're already holding them - price should go up.
by dziuniek
Wed Aug 14, 2019 8:30 am
Forum: Personal Investments
Topic: Continue contributing to 401k or pay off debts
Replies: 14
Views: 975

Re: Continue contributing to 401k or pay off debts

Additionally, consider refinancing your mortgage?

I see 3.675% today for a 30yr - that would free up some monthly cash for student loans/investing.
by dziuniek
Tue Aug 13, 2019 9:09 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 1485
Views: 105300

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

HEDGEFUNDIE wrote:
Tue Aug 13, 2019 8:59 am
Anyone who changed their allocation yesterday with me was rewarded for it today. UPRO up 5% with TMF flat.
Now that sounds like a market-timing comment :)
by dziuniek
Tue Aug 13, 2019 8:42 am
Forum: Investing - Theory, News & General
Topic: this time it's different
Replies: 92
Views: 10712

Re: this time it's different

It really wouldn't be surprising. Was 2000-2010 not a lost decade with the return being essentially flat for US equities? If you haven't already, throw in some international to your portfolio for good measure - it certainly helped in that time period. We could have a repeat of the 2000s. It's happen...
by dziuniek
Mon Aug 12, 2019 6:05 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 1485
Views: 105300

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Wouldn't keeping UPRO at 40%, TMF at 50% and UGLD at 10% accomplish much of the same? Not sure about the upside, but it would curtail some of the risk present in TMF.
by dziuniek
Mon Aug 12, 2019 8:15 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing about HELOCs?
Replies: 31
Views: 3100

Re: What am I missing about HELOCs?

Sometimes they make sense.

Friend of mine just opened one 2 months ago... where the first year is at 2.00% - pretty sweet.
by dziuniek
Thu Aug 08, 2019 2:00 pm
Forum: Personal Investments
Topic: Shifting from bond buying to debt reduction
Replies: 8
Views: 537

Re: Shifting from bond buying to debt reduction

If we're talking in a taxable account then it makes sense. If you're not maxing pre-tax retirement accounts then the math is different, no? You'd have to account for your tax rate also. Yep, we max out 401K/IRA/HSA so there isn't a tax consideration. The effective outcome would be a reduction in ta...
by dziuniek
Thu Aug 08, 2019 1:01 pm
Forum: Personal Investments
Topic: Shifting from bond buying to debt reduction
Replies: 8
Views: 537

Re: Shifting from bond buying to debt reduction

If we're talking in a taxable account then it makes sense.

If you're not maxing pre-tax retirement accounts then the math is different, no? You'd have to account for your tax rate also.
by dziuniek
Wed Aug 07, 2019 12:14 pm
Forum: Investing - Theory, News & General
Topic: Investing for negative interest rates
Replies: 31
Views: 1951

Re: Investing for negative interest rates

I guess if you're convinced rates will go down over the short term (market timing), you could purchase TMF (3X Leveraged long-term treasuries 20+yrs). That did phenomenally in recent memory. Again, that's market timing. Before today, TMF was up 53.11% YTD. It's up another 3.87% so far today. So if ...
by dziuniek
Wed Aug 07, 2019 12:09 pm
Forum: Investing - Theory, News & General
Topic: Why buy sovereign bonds with a negative yield?
Replies: 94
Views: 7051

Re: Why buy sovereign bonds with a negitave yeald?

Many sovereign bonds have a negative yield, they are charging the buyer to own them. Why wouldn't one rent a safety deposit box or buy a safe and store the cash there? :confused $13 trillion of negative nominal return assets, worldwide. That's a lot of safety deposit boxes & safes. Read somewhere t...
by dziuniek
Wed Aug 07, 2019 12:06 pm
Forum: Investing - Theory, News & General
Topic: Investing for negative interest rates
Replies: 31
Views: 1951

Re: Investing for negative interest rates

I guess if you're convinced rates will go down over the short term (market timing), you could purchase TMF (3X Leveraged long-term treasuries 20+yrs).

That did phenomenally in recent memory.

Again, that's market timing.
by dziuniek
Wed Aug 07, 2019 7:44 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 16160

Re: What is your hobby and how did it come to be your hobby?

Currently... leveraged funds for fun (tm)(r).

Darn you hedgefundie!
by dziuniek
Fri Aug 02, 2019 7:07 am
Forum: Investing - Theory, News & General
Topic: Utilities - worth another look?
Replies: 113
Views: 10246

Re: Utilities - worth another look?

Let's not forget utilities are somewhat unique, for example: - some have, depending on state/PUC/commission/authority/location, guaranteed ROE (rates increase if ROE not met annually or in a rate case every few years) - water companies ROE is pretty darn high! - new water testing standard (PFAS?) - ...
by dziuniek
Tue Jul 16, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 45
Views: 4751

Re: New Subaru Outback Engine Offering for 2020

One thing that will never change with a subaru...an engine that leaks and head gaskets that need replaced. We're trying to squeeze another year or two out of our forester before we get rid of it. Head gaskets were NA EJ engine issues primarily. There hasn't been an NA EJ engine in a Subaru since wh...
by dziuniek
Thu Jul 11, 2019 8:48 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 297967

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

mrspock wrote:
Thu Jul 11, 2019 8:45 pm
I wonder if M1 is scratching their heads at all this TMF & UPRO they now have in their brokerage :D . Nevermind in 20 years....
Haha, quite possibly :)
by dziuniek
Mon May 13, 2019 1:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2128434

Re: U.S. stocks in free fall

oldzey wrote:
Mon May 13, 2019 12:38 pm
Looks like meat's back on the menu.
+1
it's the beyond, beyond market now.
by dziuniek
Tue May 07, 2019 2:21 pm
Forum: Personal Investments
Topic: Cheering for a crash
Replies: 25
Views: 2052

Re: Cheering for a crash

ohai wrote:
Tue May 07, 2019 1:59 pm
You're not going to remember this day's price action when you are looking back 10 years from now.
You might if it's the highest price for the next 10 years.
by dziuniek
Mon May 06, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: bare root trees - best place or website to purchase from?
Replies: 54
Views: 3982

Re: bare root trees - best place or website to purchase from?

I've purchased:

- sour cherry tree
- sweet cherry tree
- hazelnut tree
- 1 currant % 3 gooseberries

from Starkbros.

Everything survived. This is year 2.
by dziuniek
Fri May 03, 2019 6:13 pm
Forum: Personal Investments
Topic: Am I on the right path?
Replies: 5
Views: 759

Re: Am I on the right path?

Hi Stacks, You guys are in a similar situation as us as we also reside in CT. Combined salary is similar, but we're 2 years older than you two. You're on the right track and as mentioned already - it is never too late. I think your house is very expensive, but depending on where in CT it might not ...
by dziuniek
Fri May 03, 2019 2:22 pm
Forum: Personal Investments
Topic: Am I on the right path?
Replies: 5
Views: 759

Re: Am I on the right path?

Hi Stacks, You guys are in a similar situation as us as we also reside in CT. Combined salary is similar, but we're 2 years older than you two. You're on the right track and as mentioned already - it is never too late. I think your house is very expensive, but depending on where in CT it might not b...
by dziuniek
Fri May 03, 2019 2:08 pm
Forum: Personal Investments
Topic: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?
Replies: 83
Views: 6898

Re: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?

There are outcomes in-between, but the 2 most likely ones are:

1. You under save and you have to work longer or live on less than you would like.

2. You over save and worst case you can walk away from work sooner....

I'd prefer option 2.
by dziuniek
Thu May 02, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 12944

Re: Who is buying 1-3 year old used Toyotas and Hondas?

This is mainly a curiosity question. I've been car hunting and the Toyota Corolla and Honda Civic on my short list I figured I would buy new if I choose those cars. This is because the price for one that is 1-3 years old really isn't that much different from new (less than a $1000 difference for th...
by dziuniek
Tue Apr 30, 2019 11:40 am
Forum: Investing - Theory, News & General
Topic: 457 rollover and general rollover considerations
Replies: 12
Views: 796

Re: 457 rollover and general rollover considerations

If it was me, I would roll everything except for the 457b. If I manage to retire early, which is a very hopeful plan, I'll be able to tap that account first. Combined with taxable accounts and possibly ROTH IRA contribution withdrawals, I would have enough to bridge us to pension/early SS at the lea...
by dziuniek
Mon Apr 29, 2019 7:42 am
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 10236

Re: EXTREMELY frugal things from our parents and grandparents

Some things I've seen and heard from stories in my family: - Making Coffee twice from the same coffee beans (same for tea) - I remember making butter from milk. - I remember gutting a pig and burning off the hair when I was a kid. (now this isn't frugal but I must be less snowflake than I think) - N...
by dziuniek
Sat Apr 27, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 12944

Re: Who is buying 1-3 year old used Toyotas and Hondas?

This is mainly a curiosity question. I've been car hunting and the Toyota Corolla and Honda Civic on my short list I figured I would buy new if I choose those cars. This is because the price for one that is 1-3 years old really isn't that much different from new (less than a $1000 difference for th...