Search found 792 matches

by Chan_va
Mon Nov 11, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Hi Def Audio listening
Replies: 22
Views: 1298

Re: Hi Def Audio listening

Do you have Amazon Prime? If so, the easiest way to dip your toe into the water is to get an Echo device where you get the Amazon music streaming service for free. I have the new Echo Studio ($200), and it hits my point of indifference on the cost/music quality curve. I.e - I could spend more, but c...
by Chan_va
Tue Nov 05, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Car folks! Bottom of depreciation curve right now?
Replies: 20
Views: 3457

Re: Car folks! Bottom of depreciation curve right now?

Maybe its just past its bottom on the depreciation curve but the E60 M5 is a classic. Enough people are scared off by the rod bearing issues to make them affordable. The styling has aged well, and the engine is the last of its kind.
by Chan_va
Mon Oct 28, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Why does 2020 Hyundai Tucson have an uneven lower front grille?
Replies: 8
Views: 625

Re: Why does 2020 Hyundai Tucson have an uneven lower front grille?

Taking a guess, its the radar/lidar sensors for adaptive cruise and other driving aids. Car manufacturers haven't figured out an aesthetically pleasing way to integrate that hard black plastic into the car fascia. Most stick it under the logo on the grill and it looks awful. This is a bit better.
by Chan_va
Mon Oct 28, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Universal Orlando for 4 days
Replies: 27
Views: 1292

Re: Universal Orlando for 4 days

+ 1 to the Portofino Bay and having express passes at busy times. Also look at pricing out the club option at Portofino, especially if traveling with kids. It is stocked with snacks and dishes all day. We used it enough to not have to eat out at all.
by Chan_va
Mon Oct 28, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: AMEX Platinum Card - Review?
Replies: 47
Views: 2926

Re: AMEX Platinum Card - Review?

Thanks for starting the thread. Timely as I was thinking about getting the Amex Platinum. Any opinions from folks who have the Amex Platinum and Chase Sapphire Reserve? Any advantages to getting the Amex Platinum if you already have the CSR card? (I don't get the annual fee exemption OP has). As far...
by Chan_va
Thu Sep 26, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 269
Views: 25285

Re: IT compensation comparison

As with most things in life, the truth is somewhere in the middle of the opposing points of view on this thread. (I am in one of the FAANGM companies, and manage 100's of software engineers on my team ranging from people right out of school to Principal Engineers and above). Few points - IT is not s...
by Chan_va
Mon Sep 23, 2019 10:21 am
Forum: Investing - Theory, News & General
Topic: Don't confuse strategy with outcome:
Replies: 94
Views: 6165

Re: Don't confuse strategy with outcome:

The problem with investing theory is that we use the language and tools of hard science (stats and probability distributions) in a field that is anything but hard science. When you say "The probability of heads on a fair sided coin flip is 50%", or "The probability of the molecules of salt and water...
by Chan_va
Sun Sep 15, 2019 9:00 am
Forum: Personal Finance (Not Investing)
Topic: DIY nanny payroll
Replies: 11
Views: 1092

Re: DIY nanny payroll

The other thing you have to do is sign up for an ssa account to generate a w-2 in January. Factor in the ssa and Medicare deductions too. And make it clear to them as to who pays the employer part and who pays the employee part.
by Chan_va
Wed Aug 21, 2019 11:32 pm
Forum: Personal Consumer Issues
Topic: First time traveling to Seattle this weekend. Advice?
Replies: 35
Views: 2171

Re: First time traveling to Seattle this weekend. Advice?

Need more details. Age and number in your party? Interests? Ferry is a great idea, but probably not to Alki beach. Consider Bainbridge or Vashon. For food, head to the Ballard neighborhood for some Scandinavian bakeries. Tons of microbreweries if you are into beer.
by Chan_va
Thu Jul 25, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate: Help me understand discount rate for NPV
Replies: 5
Views: 322

Re: Real Estate: Help me understand discount rate for NPV

Discount rate has nothing to do with your mortgage rate or the ROI you want. The basic question you are trying to answer is - "If my tenant gives me a $100 a year from now, how much should I value that today?" There are multiple factors that go into this - At a minimum, you should factor in inflatio...
by Chan_va
Sat Jul 20, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: finding transformer in attic with insulation (edited for correct name of component)
Replies: 36
Views: 2632

Re: finding transformer in attic with insulation (edited for correct name of component)

It all depends on whether you have an autobot or a decepticon in your attic.
by Chan_va
Mon Jun 24, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: Used Minivan - Recommendations?
Replies: 34
Views: 1744

Re: Used Minivan - Recommendations?

Consider a late model Kia Sedona. We love ours - it's tech and fit/finish are a cut above, plus they depreciate quickly. You should be able to pick up a 2016 with 30K miles for about 15K.
by Chan_va
Sun Jun 09, 2019 9:36 pm
Forum: Personal Investments
Topic: Deep out of Money Puts and LEAP Puts- What am I overlooking?
Replies: 29
Views: 2606

Re: Deep out of Money Puts and LEAP Puts- What am I overlooking?

- Similar to a part of Nassim Taleb's portfolio but different because the rest of my portfolio I am invested in a reasonable equity/bond indexed portfolio (vs his which is ultra safe instruments like long term treasury bonds You lottery ticket philosophy doesn’t jive with the above. If you ‘hit the...
by Chan_va
Fri May 31, 2019 11:50 am
Forum: Personal Investments
Topic: Rethinking Individual Stocks
Replies: 76
Views: 8098

Re: Rethinking Individual Stocks

Maybe I'm confused, but the OP seems too focused on taxes when the real number that matters is total dollars. Selling a loser may mean you stay under certain income limits and can have access to that money in other pots, but what if you simply had all that money instead in an index fund that was a ...
by Chan_va
Fri May 31, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3326

Re: Leaving Employer to Work for Current Client?

What level are you at? Unless you are at a CXO level, you are overthinking this. The harsh truth is that people are expendable - you will be replaced at your current company and life goes on.
by Chan_va
Wed May 29, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Buying a "new" car - Advice pls
Replies: 76
Views: 6888

Re: Buying a "new" car - Advice pls

Late reply - Thanks for all the feedback and insight, guys. Lately, I've been looking more at new cars since all the used cars I keep looking at keep having accident histories that I keep finding out about :( (even the ones being sold at dealerships).. Would it be fiscally irresponsible to throw do...
by Chan_va
Thu May 23, 2019 11:47 am
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 151
Views: 16082

Re: just a general comment about "too conservative" investors here

Ok. I’ll take the bait. First off- I have been through 2 sickening bears since the late 90’s, so I am not completely green. Completely agree that single stocks, MLP’s, crypto, etc. are toxic and no one should be advocating them. Also completely agree that you need a portion of your assets in safe re...
by Chan_va
Thu May 23, 2019 12:33 am
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 7594

Re: Is Tesla Going To Survive?

nisiprius wrote:
Wed May 22, 2019 8:59 pm
Opinion is polarized, and the situation is in such flux that I feel reluctance to gauss weber Tesla will survive Musk's having been oersted as chairman.
Well played sir.
by Chan_va
Wed May 01, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Fun-ish Used Boglehead Car
Replies: 86
Views: 6422

Re: Fun-ish Used Boglehead Car

OP, I just bought a 2009 335i with 60K miles off Craigslist for ~$9K. You should explore getting another e90/92 335i. I wouldn't go with the F30 generation of the 335i's - the steering feel and chassis is just not BMW like. If you want to up your game, you could get a e90/92 M3 for ~20k. But you wou...
by Chan_va
Tue Apr 09, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 140
Views: 10065

Re: fun car advice

I know you said coupe or roadster, but look at the E39 M5. Best Bmw made in my opinion and they have started to appreciate.
by Chan_va
Wed Mar 06, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: Selling Car
Replies: 46
Views: 2258

Re: Selling Car

I recently bought a car off Craigslist, so some thoughts as a Craigslist buyer. If you do the things below, you will attract professional buyers who won't waste your time. Photos: take LOTS of them, all angles from the outside, interior, tires, etc. Take them in good light with a decent camera. Its ...
by Chan_va
Thu Feb 28, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 10332

Re: How do YOU make coffee?

Here is what works best for me.

Burr grind locally roasted coffee. Grind about a 3 from a scale of 1-10. Aeropress (upright method) with water at 190 deg. Vigorous stir for 10 seconds, rest for 30 seconds, press. Dilute with additional hot water.
by Chan_va
Tue Feb 26, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is the Chase Sapphire Preferred card any good?
Replies: 61
Views: 4466

Re: Is the Chase Sapphire Preferred card any good?

I have the Sapphire Reserve. The annual fee is $450 vs. $95 for the Preferred, but you get $300 back as travel credit. So, the effective cost is $150/yr, and you get Priority pass lounge access. I travel often enough to make that worthwhile for me. Plus, there are a number of other benefits too. htt...
by Chan_va
Thu Feb 21, 2019 10:15 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 1021
Views: 82384

Re: My trend following strategy and experience

Thanks OP. Will be following with interest. Since at the end of the day, portfolios are only a means to an end, a suggestion. Could you update the OP with your YTD ( and eventually 1,5 yr) returns and volatility of your portfolio and a benchmark? That way we can keep score with you ( and hopefully c...
by Chan_va
Sat Feb 16, 2019 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Help with difficult work situation
Replies: 48
Views: 3886

Re: Help with difficult work situation

Reporting to a peer can be upsetting and awkward for a bit but you soon get over it. You have two choices. If you decide that this is the time to look internally or externally, start that search. Or commit to your role if you like it. Either way, be 100% supportive of your new boss, and do all you c...
by Chan_va
Mon Jan 28, 2019 11:38 pm
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 79
Views: 13999

Re: What is the best all-inclusive resort you have ever visited?

Check out Grand Velas in Los Cabos. Food is top notch. They have 4-5 really good restaurants on site - 2 to 3 cuts above your usual fare and one of them is Michelin rated. Only con is that while the beach is beautiful, it is not swim able due to rip tides.
by Chan_va
Wed Jan 16, 2019 7:47 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 57907

Re: John Bogle is dead at 89

Rest In Peace.
by Chan_va
Mon Dec 17, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: How much do you pay for internet only?
Replies: 79
Views: 5924

Re: How much do you pay for internet only?

$75/mo for 1G fiber.
by Chan_va
Wed Dec 12, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 24290

Re: What percentage of your net worth is your home equity?

pdavi21 wrote:
Wed Dec 12, 2018 10:30 am
Interesting thing about this question is the worst two answers are 0% and 100%.
OK I'll bite. I rent, so my answer is 0%. Why is 0% bad?
by Chan_va
Tue Nov 13, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: keep smartwatch or return?
Replies: 4
Views: 520

Re: keep smartwatch or return?

First off - Misfit seems to be an odd name for a wearable device :) Anyway - how would you even go about paying for a device that you already received? Wait for their response on the shipping return. If they don't respond, you have done your moral duty. If it were me, I would send them a reminder in...
by Chan_va
Thu Oct 25, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Exotic Car Financing
Replies: 37
Views: 1825

Re: Exotic Car Financing

Insurance/Maintenance is a decent % of total cost, so I don't think you can exclude that in your calculation. Also, have you factored in the lost opportunity cost of investing the down payment? You should factor 65k*x*3, where x is your assumed after tax return rate on the investment. Apart from tha...
by Chan_va
Wed Oct 03, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Plan For Depleting Your Investments If No Heirs?
Replies: 39
Views: 5017

Re: Plan For Depeting Your Investments If No Heirs?

Seems pretty simple. Every year, withdraw [Current portfolio]/[95-Current Age].
by Chan_va
Wed Oct 03, 2018 2:50 pm
Forum: Personal Investments
Topic: Take the hit or ride it out?
Replies: 21
Views: 3884

Re: Take the hit or ride it out?

Phineas J. Whoopee wrote:
Wed Oct 03, 2018 2:33 pm
* Which as far as I'm aware is the only commonly-used and -defined English-language word with three double letters in a row.

PJW
Sweet-tooth (ignore the hyphen)
Woollen (W= double u)
by Chan_va
Sat Sep 22, 2018 8:30 pm
Forum: US Chapters
Topic: Seattle folks - looking for reviews of Sandpoint cc
Replies: 1
Views: 573

Seattle folks - looking for reviews of Sandpoint cc

Ok folks, a bit of a shot in the dark. I am somewhat new to Seattle and looking to become a golf member at Sandpoint CC. I seem to vaguely recall that there are some bogleheads in the area and may be members there. If any of you are members at Sandpoint, and willing to meet up to chat, please PM me....
by Chan_va
Tue Aug 21, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 18436

Re: Good Non-Boring Boglehead Cars Under $30k

Is this a trick question? OP needs only 2 seats, and < 30k fun car. There is only one possible answer - a Miata
by Chan_va
Mon Aug 20, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 120
Views: 19663

Re: Bay Area housing frenzy cooling

This is not just a Bay Area phenomenon. Lots of markets are cooling off significantly. Seattle for example is cooling off rather abrubtly. See the Redfin CEO's take . Lots of hypothesis as to why, but will be interesting to watch as to whether this is an overdue correction in a few overheated market...
by Chan_va
Mon Aug 20, 2018 12:22 pm
Forum: Personal Investments
Topic: Vanguard 529 - need help
Replies: 4
Views: 503

Re: Vanguard 529 - need help

I assume from your handle that you reside in Virginia. If so, you should be funding the 529 program through the VA 529 program to get the state tax benefit. Within that program, they have good low cost index fund options from Vanguard as well as active funds and age based portfolio's. The VA 529 pro...
by Chan_va
Fri Aug 03, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 3170

Re: Should I roast my own coffee?

The quality of the roast you will get from a stovetop popcorn maker will not be as good as a fresh roast from a small batch professional roaster. Do it for the fun of roasting (I did it for a year), but if you are looking to replicate a top notch roast, you will need much more expensive equipment. F...
by Chan_va
Wed Jun 20, 2018 9:56 pm
Forum: Personal Investments
Topic: Hedging RSU's
Replies: 11
Views: 1296

Re: Hedging RSU's

Be careful - don't know how large your hold is and how much you are planning to hedge but if you have access to significant insider info and are hedging significant value you are opening yourself up to potential investigation if things do go sideways (there is a reason why many companies have polic...
by Chan_va
Wed Jun 20, 2018 5:21 pm
Forum: Personal Investments
Topic: Hedging RSU's
Replies: 11
Views: 1296

Re: Hedging RSU's

Thanks folks- will check on whether the company allows hedges. Re: selling calls, from what I know - that doesn't protect you from large downside risk, correct? Lets say the stock is trading at $100 today, and you wanted to protect against the stock dropping below $70. Can you walk me through how se...
by Chan_va
Wed Jun 20, 2018 4:42 pm
Forum: Personal Investments
Topic: Hedging RSU's
Replies: 11
Views: 1296

Hedging RSU's

Let's assume that you work for a high flying FAANG type company where a substantial portion of your compensation is tied to RSU's (Restricted Stock Units). Assume that the RSU's will vest late in the year, and you want to lock in the current price now to hedge against a big drop between now and the ...
by Chan_va
Tue Jun 19, 2018 5:32 am
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 6547

Re: How much car to buy reasonably?

The right answer on any car thread is always - a Miata.

Fun, reliable, low cost, trackable..... ticks all your boxes.
by Chan_va
Sat Jun 16, 2018 3:56 am
Forum: Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 9330

Re: Washington GET 529 Reopened: Good deal?

We are currently WA state residents but unlikely to be so when it comes time to claim benefits. Thoughts on the role of the GET program in our case? I guess we are betting that the instate tuition in WA keeps up with the national average. How should I think about the mix between a traditional 529 an...
by Chan_va
Wed Jun 13, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: Imagine a 10 year, 0%, noncallable loan
Replies: 49
Views: 3620

Re: Imagine a 10 year, 0%, noncallable loan

As other people have pointed out, this is equivalent to bidding on the bond yield, which means your APR is no longer 0%. So let's assume that the banker puts this up for bidding. He/she already has 1 bidder - the US treasury, which is currently offering 3% on a T year t note. So you are going to hav...
by Chan_va
Wed Jun 13, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: The Deep History of Stock & Bond Returns
Replies: 79
Views: 7218

Re: The Deep History of Stock & Bond Returns

Thanks for sharing the data. Any similar long term data on real returns of real estate and commodities? I have seen a few studies (The Amsterdam house price index over 400 years for e.g), but I haven't seen any comprehensive data on the topic.
by Chan_va
Tue Jun 12, 2018 10:29 am
Forum: Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 14875

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

Folks, while skepticism is healthy, outright hostility is not. OP has made a claim, and offered to provide data to test his claim. OP, we don't need detailed transaction history. It would be a lot simpler, and you wouldn't have to reveal too much personal data, if you started with a test portfolio. ...
by Chan_va
Tue Jun 05, 2018 9:29 pm
Forum: Investing - Theory, News & General
Topic: Yes, you can diversify a market portfolio
Replies: 228
Views: 17476

Re: Yes, you can diversify a market portfolio

Not sure I follow your argument. Lets look at 2 portfolio's Portfolio 1: 100% VOO (S&P 500 ETF) Portfolio 2: 50% VOO, 50% SSO (2x leveraged S&P 500 ETF) Using your definition of diversification (weighted average of volatility/portfolio volatility), I get Portfolio 1 diversity=1.0 Portfolio 2 diversi...
by Chan_va
Tue May 22, 2018 5:07 am
Forum: Personal Investments
Topic: Checked under the hood of index funds and investment firms
Replies: 8
Views: 1892

Re: Checked under the hood of index funds and investment firms

Can you give us an example of what you are referring to? Sure there may be some bad apples but there are a ton of good options from Fidelity, Schwab, Blackrock etc.

Also, you can buy vanguard funds/etf’s at a full service brokerage with better service and get the best of both worlds.
by Chan_va
Wed May 16, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 69
Views: 16817

Re: This is Unbelievable - another Vanguard customer support odyssey

Another datapoint on Vanguard growing faster than it's support and systems can handle. I have enough assets at Vanguard to move from one tier to the next. But Vanguard wont move me since they don't have enough staff to support clients at the next tier. As someone else mentioned, I would gladly pay a...
by Chan_va
Thu May 03, 2018 1:09 am
Forum: Personal Investments
Topic: How to treat a mortgage in context of long term investment
Replies: 12
Views: 1549

Re: How to treat a mortgage in context of long term investment

Op, you are mostly right with 2 caveats 1. The "duration" of a 30 year fixed rate mortgage is closer to 9 years, so you would compare it to a bond of that duration 2. A fixed rate mortgage has option value wrt inflation/deflation. You can think of it as a non callable negative bond, but you have the...