Search found 721 matches

by Chan_va
Tue Dec 05, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: Week in San Diego over Christmas
Replies: 17
Views: 1089

Re: Week in San Diego over Christmas

Thanks for the suggestions folks. Much appreciated.
by Chan_va
Tue Dec 05, 2017 12:46 am
Forum: Personal Consumer Issues
Topic: Week in San Diego over Christmas
Replies: 17
Views: 1089

Week in San Diego over Christmas

Folks, We will be in San Diego for a week over the Christmas break. Staying in La Jolla. Family of 4 (kids 8 and 4), and it’s our first trip there. Any suggestions for an itinerary, must-do’s, places to eat, day trips, etc.? In general we like the outdoors, hikes, and I love a good local craft beer....
by Chan_va
Wed Nov 08, 2017 1:55 am
Forum: Personal Consumer Issues
Topic: What is the story with the Apple iWatch Series 3?
Replies: 26
Views: 1992

Re: What is the story with the Apple iWatch Series 3?

I have the latest 3 series watch with cellular. I recently went for a run on the trail with just my watch, where I tracked my mileage and heart rate, used Apple maps to find a barber near the trail, paid for a haircut with Apple Pay on the watch, called my wife from the watch to tell her I was runni...
by Chan_va
Sun Oct 15, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7610

Re: What are you driving? And would you buy your current ride again?

16 golf Gti manual.

Fun, but if I were to buy again I would buy the dual clutch. The manual on the vw is just not as precise and fun as say a Miata.
by Chan_va
Fri Sep 15, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Distressing news -> Flight to Safety ?
Replies: 75
Views: 7312

Re: Distressing news -> Flight to Safety ?

If you truly believe a storm is coming, exchanging out of TBM into treasuries is a bit like adding plywood cladding to your underground bunker, while leaving your glass windows open.
by Chan_va
Sat Aug 19, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: "Structured" Flip Flops, Slides
Replies: 30
Views: 3438

Re: "Structured" Flip Flops, Slides

Pure click bait. I clicked on this thread thinking this was about some fancy new options strategy that investment banks were structuring.
by Chan_va
Thu Aug 17, 2017 1:36 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 9511

Re: Is $9000 too much for a sectional sofa ?

The real question is - "What $5K watch do you wear when lounging on the sectional?"
by Chan_va
Tue Aug 01, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: "the top 1 percent of families had $1.08 million or more saved in 2013."
Replies: 26
Views: 4239

Re: "the top 1 percent of families had $1.08 million or more saved in 2013."

This specifically looks at amount in 401k plans. The top 1% have ~8M in net worth.
by Chan_va
Thu Jul 27, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. Stock Market — My, How You’ve Changed!
Replies: 52
Views: 5724

Re: U.S. Stock Market — My, How You’ve Changed!

I don't really see why historical returns become irrelevant as markets change. Investors are always going to demand a risk premium for investing in risky assets. To me as an investor, the risk premium I expect is roughly the same if I am investing in a market dominated by risky railroad businesses a...
by Chan_va
Wed Jul 26, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 79
Views: 5865

Re: BMW Z3 or Z4 or nothing at all?

Owned a 1999 Z3 3.0 for 7 years. Looks good, but expensive to maintain. Terrible chassis balance and prone to nasty snap oversteer.

As with any "what car to buy" question, the right answer always is - a Miata.
by Chan_va
Mon Jul 10, 2017 1:58 am
Forum: Investing - Theory, News & General
Topic: New Information, New Viewpoint on Investing?
Replies: 28
Views: 2810

Re: New Information, New Viewpoint on Investing?

I used to believe that 'alpha' was a myth. Paradoxically after spending time on the forum, I have come to believe that it is possible for the small investor to generate some alpha. But the catch is that for a small investor, the time, effort and mental energy required is too great for the payoff. An...
by Chan_va
Sun Jul 09, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 4143

Re: can't logon to vanguard account [Website Down]

I don't think those not in the tech sector realize how basic this is. It's not about my making critical transactions at 10 am on Sunday. It's a symptom of a much deeper problem. If vanguard can't roll out routine upgrades without taking the site down- something your average blogger can now do easily...
by Chan_va
Sun Jul 09, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 4143

Re: Is Vanguard down this AM (7/9/17)?

Guys this is not your average mom and pop website. This is a website and backend that manages trillions of dollars. There is no excuse for any downtime. Is is routine to have clusters of servers and have updates done on a rolling basis that results in no downtime. Websites that are far less critical...
by Chan_va
Thu Jun 01, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 45
Views: 3037

Re: Changing Car Cabin Air Filter - after how much time

On most cars, its a simple DIY job. You can buy cheap non OEM filters. Dont. When you do replace it, replace it with the OEM part.
by Chan_va
Thu Jun 01, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Drowning in debt
Replies: 52
Views: 5638

Re: Drowning in debt

What did you purchase with the $140k HELOC? For privacy, I don't wish to disclose it here. I can say it is an asset that I expect to appreciate at 5% per year and costs next to nothing to keep. Sell the asset and pay off the HELOC. You are arbitraging a potential gain of 5% vs. a certain loss of 4%...
by Chan_va
Mon May 29, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Approach for 'doing better' with emergency funds?
Replies: 23
Views: 2417

Re: Approach for 'doing better' with emergency funds?

What is your marginal tax bracket? There are things that matter in investing and things that don't. A 2% swing one way or another on an emergency fund falls into the latter. Dont sweat it.
by Chan_va
Sun May 21, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: Yield Curve and the Next Stock Market Correction
Replies: 36
Views: 3937

Re: Yield Curve and the Next Stock Market Correction

If I understand right, you are asking the following question. Given a particular value (PE 10?) of the stock market, is there a bond duration that minimizes the loss function of the portfolio over time period Y? If you frame it that way, then the answer becomes - no way to know since you have to pr...
by Chan_va
Sun May 21, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Yield Curve and the Next Stock Market Correction
Replies: 36
Views: 3937

Re: Yield Curve and the Next Stock Market Correction

If I understand right, you are asking the following question. Given a particular value (PE 10?) of the stock market, is there a bond duration that minimizes the loss function of the portfolio over time period Y? If you frame it that way, then the answer becomes - no way to know since you have to pre...
by Chan_va
Sun May 21, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: Value vs Equal vs Other Weighing
Replies: 13
Views: 1122

Re: Value vs Equal vs Other Weighing

nisiprius, Regarding stock, what confuses me is the following: imagine you have a stock that because of any other reason other than changes in fundamentals becomes overvalued (i know value can change a lot depending on each investors' perspective, but lets assume it is a fixed number or a range of ...
by Chan_va
Sat May 13, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 22369

Re: Buying a luxury car (how dumb would it be to do this?)

OP, of course you can afford it. But you are sorely mistaken if you think the x5 is 'fun' or truly 'luxury'. It's a people hauler. My advice - buy a cheap people hauler but buy yourself another fun car. Which leads us inexorably to the only logical answer that all car threads eventually converge to....
by Chan_va
Mon Apr 17, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Employer Being "Bought Out" By Another Company
Replies: 11
Views: 1318

Re: Employer Being "Bought Out" By Another Company

Need more details. Is this a small company being bought out by a larger one? Is the company buying you a holding company that lets each acquired company operate individually? Or is the premise of the acquisition that there will be synergies between the companies? Is the acquiring entity keeping your...
by Chan_va
Mon Apr 03, 2017 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 8500

Re: Is anyone decreasing % of bonds this year?

I am calling a top in US equities. Moving from an AA of 70-30 to 60-40.
by Chan_va
Mon Apr 03, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Got my second comma -- what is this anticlimactic feeling?
Replies: 55
Views: 7501

Re: Got my second comma -- what is this anticlimactic feeling?

Probably because you know that the 8 year bull market has to end sometime, and when it does, you will drop back. But crack open a cold one now - you have earned it!
by Chan_va
Wed Mar 29, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: anyone factor in future inheritance?
Replies: 78
Views: 5879

Re: anyone factor in future inheritance?

I do. I also factor in the Powerball lottery I will win in 2026.
by Chan_va
Mon Mar 06, 2017 4:29 pm
Forum: Investing - Theory, News & General
Topic: The Ultimate Guide to Safe Withdrawal Rates: A 2000-2016 case study
Replies: 31
Views: 5005

Re: The Ultimate Guide to Safe Withdrawal Rates: A 2000-2016 case study

If I am reading the link in the OP correctly, it boils down to -The 4% rule works for 30 year retirements. For longer time periods, it may not work. -The real value of your portfolio will go down over time. Both these I thought are well understood corollaries of the 4% rule. No one ever said that th...
by Chan_va
Sun Mar 05, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Advice on relocation or staying put
Replies: 83
Views: 6836

Re: Advice on relocation or staying put

We moved from the east coast to Seattle with 2 young kids recently after having lived in one place for 18 years. Similar to your situation. Seattle is great. I personally don't mind the weather at all. I prefer the cool and wet winter actually. And once in a while, the clouds will clear in the winte...
by Chan_va
Sun Mar 05, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Coffee Home Roaster -> Where to get the green bean?
Replies: 21
Views: 1379

Re: Coffee Home Roaster -> Where to get the green bean?

Until I saw this post I was not aware of this method to roast your own beans! I just finished watching a youtube video and am intrigued! Is the taste consistent each roast? Is it lower cost than buying a good roast at the store? We have a Whirley-pop for popcorn-has anyone used this method on an el...
by Chan_va
Mon Feb 27, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Backpackers- weight vs utility question
Replies: 42
Views: 3299

Re: Backpackers- weight vs utility question

A kindle. Not the new models that hold a charge for a couple of days, but the old ones that could go a good month between charges.
by Chan_va
Mon Feb 27, 2017 12:34 pm
Forum: Investing - Theory, News & General
Topic: Buffett Annual Letter 2016 [Jack Bogle is a hero]
Replies: 69
Views: 6941

Re: Buffett Annual Letter 2016 [Jack Bogle is a hero]

By the way, this line on page 9 of the letter caught my attention. "The investment portfolios of almost all P/C (property/casualty) companies – though not those of Berkshire – are heavily concentrated in bonds" That is interesting. I always thought that the industry was heavily regulated, ...
by Chan_va
Fri Feb 10, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 29613

Re: New rep: personal bankruptcy an issue?

Well, as part of Vanguard moving me to Flagship Select, I was given a different representative. I checked out the person using the FINRA lookup link posted earlier in this thread and found the person was more junior and less experienced than my last rep, and had filed for personal bankruptcy just b...
by Chan_va
Thu Jan 12, 2017 11:25 pm
Forum: Investing - Theory, News & General
Topic: "2016 Shows That Factors Are Fickle"
Replies: 45
Views: 4100

Re: "2016 Shows That Factors Are Fickle"

baw To me the conclusion is simple and obvious, since no one can know which factor(s) will do well in the future the prudent strategy is clearly to diversify across the factors that meet the criteria of being persistent, pervasive, robust, implementable and have intuitive reasons to believe you are...
by Chan_va
Thu Jan 12, 2017 8:23 pm
Forum: Investing - Theory, News & General
Topic: "2016 Shows That Factors Are Fickle"
Replies: 45
Views: 4100

Re: "2016 Shows That Factors Are Fickle"

baw To me the conclusion is simple and obvious, since no one can know which factor(s) will do well in the future the prudent strategy is clearly to diversify across the factors that meet the criteria of being persistent, pervasive, robust, implementable and have intuitive reasons to believe you are...
by Chan_va
Wed Jan 11, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: No debt, except for...
Replies: 7
Views: 1355

Re: No debt, except for...

I agree with your general sentiment about debt reduction and buying too much house. However, mortgages are a special kind of debt. Where else can you get a subsidized, 30 year, fixed rate, low interest loan? Not to mention - it's an inflation hedge.
by Chan_va
Wed Jan 11, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 28927

Re: Annual Vacation Budget

Roughly 15k/yr. Family of 4.
by Chan_va
Tue Jan 10, 2017 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance into cash
Replies: 44
Views: 3919

Re: Rebalance into cash

I think there is a little confusion here i am not advocating a 100% cash position just putting what i sell from rebalance into cash. For example lets say i have $100,000 50k bonds 50k stocks market goes up now i have 60k stock 40k bonds that puts me into a re balance. I have a choice i can take the...
by Chan_va
Mon Jan 09, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Cap Weighting International
Replies: 11
Views: 670

Re: Cap Weighting International

If you are going to Cap Weight, then there is no "natural weight". The natural weight is whatever the cap weight is at that time. The idea is not to pick a number based on the current cap weight, and hold that constant, but to let the market determine what it is. If it varies by 50 points ...
by Chan_va
Wed Jan 04, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth issue using Federal MMF
Replies: 27
Views: 2237

Re: Backdoor Roth issue using Federal MMF

I used Prime MM as well - I recall seeing a message saying that the funds wouldn't be available in the account till 1/10, but it let me click through and compete the conversion.
by Chan_va
Wed Jan 04, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: 2017 Backdoor Roth IRA strategy
Replies: 6
Views: 783

Re: 2017 Backdoor Roth IRA strategy

Retroactive laws are prohibited by the US constitution. So, I would say - yes, you are overthinking this.
by Chan_va
Tue Jan 03, 2017 6:52 pm
Forum: Investing - Theory, News & General
Topic: Bernstein-"To Make Money They Didn't Need".....and Pascal's Wager
Replies: 187
Views: 22328

Re: Bernstein-"To Make Money They Didn't Need".....and Pascal's Wager

If stocks were indeed "riskless" over the long term, the market would quickly bid up the price of equities to make the equity risk premium disappear. The fact that this hasn't happened means one of three things 1. The market is wrong about equity prices 2. Equities are riskless over the lo...
by Chan_va
Tue Jan 03, 2017 5:19 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 32573

Re: Whats your number to walk away?

Everytime I think I am doing ok, a thread like this pops up and reminds me that the average boglehead is above average. (Either that or I am being trolled. I hope it's the latter.)

My number is.....

Image
by Chan_va
Tue Jan 03, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Classifying "Other" investments in Vanguard Portfolio Watch
Replies: 9
Views: 1144

Re: Classifying "Other" investments in Vanguard Portfolio Watch

As far as I can tell, the feature went away when the new aggregator came. I have the same problem. My 401k uses CITs that show up as other. I have given up on Portfolio Watch. I never really found it that useful in the first place, so I don't mind losing it. Thanks. What do you use in place of Port...
by Chan_va
Tue Jan 03, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Classifying "Other" investments in Vanguard Portfolio Watch
Replies: 9
Views: 1144

Classifying "Other" investments in Vanguard Portfolio Watch

I use Vanguard's Portfolio Watch tool to track my overall asset allocation. I also use Vanguard's aggregator service to track and update my non-Vanguard investments. A number of my outside investments show up as "Other" in Portfolio Watch. I used to be able to edit the investment to specif...
by Chan_va
Tue Dec 27, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: Study Table for kids
Replies: 16
Views: 1163

Re: Study Table for kids

Are you sure you want both to study together on the same table? My kids would be way too distracted by each other - so I went with separate ones for both. Craigslist for the source. Btw, I predict a steady stream of one-upmanship on this thread, ranging from "When I was a kid, I made my own stu...
by Chan_va
Tue Dec 27, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: Most sustainable vehicle
Replies: 44
Views: 3244

Re: Most sustainable vehicle

Buy a used car. Then, you have automatically taken the "pre-prod" out of the equation, and can just focus on the efficiency of the vehicle.
by Chan_va
Tue Dec 27, 2016 11:10 am
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 15058

Re: I'll never save a 20% down payment. Rent for life?

There is an important psychological aspect to this as well, one that I didn't fully realize until a month or so ago. I recently went back to renting after a decade of home ownership (moved cross country for a job). At the risk of sounding like an ad for a real estate company, there is something abou...
by Chan_va
Fri Nov 04, 2016 5:35 pm
Forum: Personal Consumer Issues
Topic: New Dentist - Lots of Recommended Work
Replies: 55
Views: 7151

Re: New Dentist - Lots of Recommended Work

When I first moved to this country many years ago, I used to go to this dentist who recommended about 3 fillings every time I saw him. He even had a tool that could "detect cavities before they form". Took me a while to wise up to this. Another time I had a primary care physician who detec...
by Chan_va
Thu Oct 20, 2016 12:53 pm
Forum: Investing - Theory, News & General
Topic: The long run is a collection of short runs
Replies: 5
Views: 683

Re: The long run is a collection of short runs

This a profound. At the core of the boglehead philosophy, (and most other investing philosophies) is that there is a timeframe called "long-term", and a separate different "short term". This has 2 issues 1. How do you define short and long term? This one is semantics, and it not ...
by Chan_va
Fri Sep 23, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Tenant responsible for appliances?
Replies: 20
Views: 1847

Re: Tenant responsible for appliances?

Thanks all. Confirms what I thought. Have been homeowners for a long time and have forgotten what is common and what is not in a rental. Talked to the leasing agent and he is going to change the wording to something that indicates that it is is tenants responsibility only if the damage is caused by ...
by Chan_va
Fri Sep 23, 2016 9:24 am
Forum: Personal Consumer Issues
Topic: Tenant responsible for appliances?
Replies: 20
Views: 1847

Re: Tenant responsible for appliances?

Uhm, did you notice that they said except for built-ins like washer/dryer/stove etc? Presumably this means like the toaster or the microwave they put on the island for you... And yeah, its legal. I can rent you an apartment with no appliances and you then get to put them all in your self. If you do...