Search found 549 matches

by Boris
Wed Jun 07, 2017 10:13 pm
Forum: Personal Investments
Topic: Going from cash to equities now?
Replies: 47
Views: 6623

Re: Going from cash to equities now?

Your investing behavior may be helped a lot by hiring an advisor. It's an expensive solution but less expensive than staying in cash. Have you considering using Vanguard's Personal Advisory Service? The fee is .30 AUM. They'll set you up with an asset allocation that fits your risk profile. The por...
by Boris
Wed Jun 07, 2017 9:58 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 148
Views: 24205

Re: 100% Stock Portfolio?

Can't say100% will always beat some percentage of stocks:bonds as it will happen in the future. No one knows the future plus in past has 100% alaways beat some combination with rebalancing? I mean you can't just look at bond retuns as a static number what if you were at 25% bonds and always rebalan...
by Boris
Wed Jun 07, 2017 7:56 pm
Forum: Personal Investments
Topic: Thoughts on emergency account amount.
Replies: 22
Views: 3735

Re: Thoughts on emergency account amount.

So many variables and differs by individual. Bligh brought up some good points to consider. I'm a believer in the $0 emergency fund for many people. If you have money to set aside for emergencies, then you have money to max out your Roth IRA first. Make that a priority. If an emergency comes up, you...
by Boris
Wed Jun 07, 2017 7:33 pm
Forum: Personal Investments
Topic: Buy car in cash ... or invest / lease
Replies: 26
Views: 3762

Re: Buy car in cash ... or invest / lease

If there are incentives to finance, then sign up for those (with the minimum amount needed) and put the rest on a credit card. I think last time I purchased, the dealer limited my CC portion to about $15k? But hey... 2% cash back :) Although on paper people do all kinds of arithmetic to show that bo...
by Boris
Wed Jun 07, 2017 7:17 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 148
Views: 24205

Re: 100% Stock Portfolio?

There are two aspects to any investment decisions. There's the cold hard math, but then there's emotional. A 100% stock portfolio is absolutely no problem if the following two criteria are met: 1. Are you able to stomach major volatility in your portfolio? You ok with seeing your portfolio drop 20% ...
by Boris
Wed Jun 07, 2017 6:19 pm
Forum: Personal Investments
Topic: Ex-dividend
Replies: 17
Views: 2285

Re: Ex-dividend

Let's do a little math. Obviously nobody knows what the market will do in the next two weeks, but we know the following: Investable sum: K = $1,000,000 (assigning a value to simplify the algebra) Market total return is X Market Growth = X - 1.87% (Yield) The money is currently sitting in VMMXX which...
by Boris
Wed Oct 19, 2011 12:31 pm
Forum: Investing - Theory, News & General
Topic: The role of Gold as portfolio insurance
Replies: 52
Views: 5850

Re: The role of Gold as portfolio insurance

I find it ironic that gold is talked about as insurance and at the same time as part of a portfolio/portfolio insurance. Insurance/armageddon would require owning gold bullion, but then I can't consider it as part of an investment portfolio the same way I don't consider other things I own as part of...
by Boris
Wed Oct 19, 2011 10:25 am
Forum: Personal Finance (Not Investing)
Topic: College Degree in Something Practical...
Replies: 141
Views: 11991

Re: College Degree in Something Practical...

As a current college student I must say I really enjoyed this thread. I am a senior BCIS student and have had little to no trouble finding work, i have a few job prospects and have recently gotten involved with a startup. That being said, I have ~70k in student loan debt. I must say, despite having...
by Boris
Fri Oct 22, 2010 6:56 pm
Forum: Personal Consumer Issues
Topic: Short Intense Exercise Healthier than Long Moderate Sessions
Replies: 87
Views: 16457

I mentioned this thread in passing to a friend of mine and he mentioned a few things. Though he understands that interval training may be good for the heart, he feels that regular exercise is better for overall health for the following reasons: 1) Longer exercise burns more calories which most peopl...
by Boris
Fri Oct 15, 2010 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Any jewelers on the forum? (Engagement ring help!)
Replies: 65
Views: 15687

Sorry for the delay... as promised The first two were taking by professional photographers, the last one is just for reference when it's not close-up or anything. Hope this helps!

EDIT: Removed pictures.
by Boris
Thu Oct 14, 2010 11:30 am
Forum: Personal Consumer Issues
Topic: Do you buy organic foods?
Replies: 148
Views: 15432

It's not so much whether it's organic or not. It's more about whether it's some tasteless dreck grown for premature harvesting followed by storage and transport. As opposed to grown for taste, but related to it tasting so good, being simply unsuitable for the grocery store distribution model. There...
by Boris
Wed Oct 13, 2010 9:49 am
Forum: Personal Consumer Issues
Topic: Do you buy organic foods?
Replies: 148
Views: 15432

It's not so much whether it's organic or not. It's more about whether it's some tasteless dreck grown for premature harvesting followed by storage and transport. As opposed to grown for taste, but related to it tasting so good, being simply unsuitable for the grocery store distribution model. There...
by Boris
Wed Oct 13, 2010 9:46 am
Forum: Personal Consumer Issues
Topic: Do you buy organic foods?
Replies: 148
Views: 15432

Re: Organic is marketing hype

Hello Victoria, I am glad that you enjoyed that podcast. The entire series is well done - I just wish they did more! I don't recall Rangan asserting that you double the amount of toxins, but I do recall the side arguing the motion referred to the very small amount of toxins that are left over. So, ...
by Boris
Tue Oct 12, 2010 9:37 am
Forum: Personal Consumer Issues
Topic: Do you buy organic foods?
Replies: 148
Views: 15432

What if I put the question differently, because there are a lot of political debates out there (evolution, global warming, etc.) yet the scientists are overwhelmingly on one side of each of those debates. Where does the scientific majority stand on organic foods? Has such a poll been done, etc? I d...
by Boris
Tue Oct 12, 2010 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Any jewelers on the forum? (Engagement ring help!)
Replies: 65
Views: 15687

P.S. If guys/girls are interested in pics of ring, let me know and I'll provide you with them or more information. I am interested, as I am possibly nearing this point of relationship ... can you PM them to me or should I PM you my email ... thx I'll post a few pictures today or tomorrow. Didn't wa...
by Boris
Mon Oct 11, 2010 3:40 pm
Forum: Personal Consumer Issues
Topic: Do you buy organic foods?
Replies: 148
Views: 15432

Not sure whether I should change that, but haven't researched the topic much. If you were interested in researching this topic, the debate recommended by bluto , http://intelligencesquaredus.org/index.php/past-debates/organic-food-is-marketing-hype/ , may be a good start. It will take about 1.5 hou...
by Boris
Mon Oct 11, 2010 12:21 pm
Forum: Personal Consumer Issues
Topic: Do you buy organic foods?
Replies: 148
Views: 15432

Very interesting topic. Are there any more debates on the subject? All I know on the issue, is that "organic" labeling is a political issue and it requires that 95% of the pesticides used are organic. Should anyone be worried about the actual pests which may not be killed? Etc. Anyway, I read labels...
by Boris
Mon Oct 11, 2010 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Car broke down, borrowed a lexus...
Replies: 35
Views: 7551

does the lexus require premium gas? a lot of the step-up japanese vehicles do. thus, off of my list - This is why I like some of the FORD products lately. They have variable timing logic in the valve train which allow you to use whichever fuel you want and the car adjusts to it. Just an FYI, unless...
by Boris
Mon Oct 11, 2010 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Any jewelers on the forum? (Engagement ring help!)
Replies: 65
Views: 15687

Point is, for those on a budget or those who think the diamond industry is a controlled monopoly and the diamond isn't as rare or valuable as we're led to believe ;) , then I'm just giving you the experience we've had with an alternative. I don't put any sentimental value on a particular rock . What...
by Boris
Thu Oct 07, 2010 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Any jewelers on the forum? (Engagement ring help!)
Replies: 65
Views: 15687

As previous posters said, get her a diamond. Every girl wants a diamond. She'll feel shafted if she doesnt get one. And everybody will ask her when your not around why she didnt get a diamond, and it'll make you look cheap. Sorry thats just the way it is. It is not an investment. Its a gift. Do you...
by Boris
Thu Oct 07, 2010 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Any jewelers on the forum? (Engagement ring help!)
Replies: 65
Views: 15687

So I was talking to a friend about engagement rings and it reminded me of this thread.... It's been almost 3-years since my initial question, so I figured I'd write a follow-up in case anyone ever reads the archives for opinions. My gf and I got engaged a month after my final post and we were marrie...
by Boris
Fri Aug 13, 2010 9:55 am
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 109
Views: 22217

I know I'm bumping up an older thread, but I thought of the thread when I was reading this article: http://online.wsj.com/article/SB1000142 ... 52610.html
by Boris
Sat Jul 31, 2010 10:13 pm
Forum: Personal Consumer Issues
Topic: new Honda accord - leather or not
Replies: 41
Views: 10314

My Accord has cloth seats. We specifically chose cloth seats because my wife burned her legs all the time when we went anywhere in the summer on the leather in my M3 (had to always lay down a towel when she wore bathing suit or short skirt/shorts/etc). She was fine after I switched out to alcantera ...
by Boris
Thu Jul 29, 2010 11:33 pm
Forum: Personal Consumer Issues
Topic: To Mac or not to Mac? That is the question...
Replies: 304
Views: 29949

Paladin wrote:I was about to reply point by point until I read the last line. :lol:
Crap... too late for me :oops: :oops: :oops:
by Boris
Thu Jul 29, 2010 11:32 pm
Forum: Personal Consumer Issues
Topic: To Mac or not to Mac? That is the question...
Replies: 304
Views: 29949

Macs are just better than Windows. Mac technology is always 2 or 3 steps ahead of Windows, and there's less after purchase headaches to deal with on a Mac. Maybe there's a little extra premium to pay up front, but the saving can be huge later on. Huh? Pass over the peace pipe. Mac hardware is bette...
by Boris
Thu Jul 29, 2010 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Finance Refi costs or pay in cash?
Replies: 17
Views: 2881

Just a quick update... my appraisal was done within a few days of application. I got a copy of it 2 business days later. Title is complete and loan was sent to underwriting. I was assigned a loan processor and received a breakdown of closing costs (basically, escrows). All costs are exactly as they ...
by Boris
Thu Jul 29, 2010 9:14 pm
Forum: Personal Consumer Issues
Topic: To Mac or not to Mac? That is the question...
Replies: 304
Views: 29949

Every time I shop for a new computer (thrice in the past year), I start out craving the Mac. It just seems so great and there's a reason there are so many fanboys. But once I start comparing price, features and see what it can and can't do I constantly get frustrated. "Why can't Apple just do _____?...
by Boris
Thu Jul 29, 2010 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Am I the only one who ever borrows money from their dog?
Replies: 17
Views: 3885

My dog found a dollar bill while running around in the field yesterday. I told him I'll give it back but I'm hoping he forgets 8)

BTW, very cute story, made my day :)
by Boris
Thu Jul 29, 2010 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Allan Roth's Skimp or Splurge - Millionaire’s Car
Replies: 72
Views: 12489

He wants great performance, great handling, non-FWD sport-coupe. I recommended that he buy the latest Porsche 911 Twin-turbo. He can't justify it, so he's considering a 335i ($140k vs $50k). It's all relative. I'm a bit puzzled what this anecdote is trying to convey...that the $140k Porsche is the ...
by Boris
Wed Jul 28, 2010 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: HVAC brand advice
Replies: 22
Views: 3458

Ted, A family member has been in the business for over 20-years and recommended Carrier to me. That is what I had installed in my house. I believe my unit is a 15 SEER. This was pretty good a few years ago, I don't know about today. Take into consideration not only the efficiency of the unit but als...
by Boris
Wed Jul 28, 2010 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Allan Roth's Skimp or Splurge - Millionaire’s Car
Replies: 72
Views: 12489

My question for luxury car owners is, how much of the premium that you pay (relative to a Toyota or a Ford) is for additional/improved functionality, and how much is for status? Ever priced out a non-luxury car and get it all loaded up to the level of a luxury car? Do that for two equivalent vehicl...
by Boris
Wed Jul 28, 2010 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Allan Roth's Skimp or Splurge - Millionaire’s Car
Replies: 72
Views: 12489

I like this a lot better than the article the OP posted...

http://www.daveramsey.com/etc/lms/drive_free/

It actually pertains to someone who's not that well off. If someone can afford a Lexus and wants to... that's their prerogative.
by Boris
Wed Jul 28, 2010 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Allan Roth's Skimp or Splurge - Millionaire’s Car
Replies: 72
Views: 12489

What a terrible article! On average, each of the two Lexus SUVs cost $15,060 annually, while the Ford clocks in at $10,000 less. This leaves the Thriftys with $20,000 annually to invest. If the investments return seven percent annually, the Thriftys will have built up a $1.9 million portfolio after ...
by Boris
Wed Jul 21, 2010 9:25 pm
Forum: Investing - Theory, News & General
Topic: Attention GOLDBUGS! New IRS rule for you.
Replies: 43
Views: 5002

xerty24, key word there (in your quote): VENDORS. Not consumers. I used to run a small business and this was quite normal. Any time I did business for over $600/year with another business I always got a 1099, since that business wants the write off on their taxes. But at some point someone has to pa...
by Boris
Wed Jul 21, 2010 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: invest or pay off debt
Replies: 44
Views: 5834

How did you arrive at a $1 in Roth being worth $1.15?? I think there might be a flaw in your assumptions. $1 in Roth may be worth $1.15 in Trad/401k (15% bracket), but certainly not worth $1.15 in cash. In fact it is very likely a Roth dollar is worth more than $1.15 in taxable cash. Let's suppose ...
by Boris
Wed Jul 21, 2010 11:21 am
Forum: Personal Investments
Topic: Buy-n-Hold Revisited
Replies: 30
Views: 4518

To prove a point, if you're looking for a one specific "sell date" it doesn't exist. It depends upon your stop loss which is generally set 8-10% below your buying price or recent high. All major losses start small and only grow if you let them by not doing something. IBD's William J. O'Neil has a l...
by Boris
Wed Jul 21, 2010 9:24 am
Forum: Personal Finance (Not Investing)
Topic: invest or pay off debt
Replies: 44
Views: 5834

How did you arrive at a $1 in Roth being worth $1.15?? I think there might be a flaw in your assumptions. $1 in Roth may be worth $1.15 in Trad/401k (15% bracket), but certainly not worth $1.15 in cash. In fact it is very likely a Roth dollar is worth more than $1.15 in taxable cash. Let's suppose ...
by Boris
Wed Jul 21, 2010 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Kitchen Appliances
Replies: 56
Views: 13751

My advice would be to avoid stainless steel. Every little fingerprint and smudge shows making is very difficult to keep clean. I disagree with this statement and anyone who says avoid stainless steel. I used to think the same way, but my wife got some great stainless steel cleaner and our kitchen s...
by Boris
Wed Jul 21, 2010 8:58 am
Forum: Personal Investments
Topic: Buy-n-Hold Revisited
Replies: 30
Views: 4518

Unfortunately I can't see the images, however, a better way at looking at what the "market" did, is to look at a balanced portfolio rather than just moves in S&P. Instead of conjuring up random portfolios... I do this simply by looking at a Vanguard Target Retirement Funds (though they don't have a ...
by Boris
Tue Jul 20, 2010 4:01 pm
Forum: Personal Consumer Issues
Topic: Water Filters: Brita versus Pur
Replies: 29
Views: 14978

This seems very relevant for this thread.

http://www.youtube.com/watch?v=XfPAjUvvnIc

8)
by Boris
Tue Jul 20, 2010 2:04 pm
Forum: Investing - Theory, News & General
Topic: How many basis points is a good manager worth?
Replies: 13
Views: 2788

In my opinion, no more than ~10bps, especially if the portfolio is pretty hands off. If they start giving you tax advice, estate advice, legal advice or anything else, then it may be worth more. The real question is what will you be paying for? What are they going to do on your behalf to earn the mo...
by Boris
Tue Jul 20, 2010 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Appliances
Replies: 56
Views: 13751

My advice would be to avoid stainless steel. Every little fingerprint and smudge shows making is very difficult to keep clean. I disagree with this statement and anyone who says avoid stainless steel. I used to think the same way, but my wife got some great stainless steel cleaner and our kitchen s...
by Boris
Tue Jul 20, 2010 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: invest or pay off debt
Replies: 44
Views: 5834

I'd pay off everything over 6% certainly before funding your Roth. How much do you value $1 in a Roth? I once took out a loan at 1.9% to fund mine in a year when I couldn't spare enough of my income to do it. But I wouldn't do it at 6%. The only investment I'd make before paying off relatively high...
by Boris
Tue Jul 20, 2010 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Appliances
Replies: 56
Views: 13751

My advice would be to avoid stainless steel. Every little fingerprint and smudge shows making is very difficult to keep clean. I disagree with this statement and anyone who says avoid stainless steel. I used to think the same way, but my wife got some great stainless steel cleaner and our kitchen s...
by Boris
Tue Jul 20, 2010 11:27 am
Forum: Personal Investments
Topic: taking out 3% loan to invest
Replies: 147
Views: 13881

One last question, what if the OP got a credit card offer of 0% interest for life that allowed him to take $100k against his credit card to invest. Is that okay? Hell no. Is it OK with you? Taking the loan under those circumstances has to be right financially. You can buy a ladder of CDs maturing i...
by Boris
Tue Jul 20, 2010 11:03 am
Forum: Investing - Theory, News & General
Topic: Are stocks less volatile in the long run?
Replies: 110
Views: 11088

Therefore, historical risk premium is 4.2%, NOT 7%. data source: Triumph of the Optimists including updates thru 2009. BobK Sorry, I trusted Wikipedia. Quote"In the United States, the observed "equity premium"—the risk premium (in fact the historical outperformance) on equity in stocks vs. governme...
by Boris
Mon Jul 19, 2010 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Costs of owning a dog...
Replies: 114
Views: 23761

Good on you for following up. Great analysis. There are some who spend less, and countless who spend more. I'd love to see how much my brother has spent on his rambunctious Aussie, with the trips to obedience school, the metal separators for his Subaru and his CR-V, the expensive food. When I compa...
by Boris
Mon Jul 19, 2010 9:03 pm
Forum: Personal Investments
Topic: taking out 3% loan to invest
Replies: 147
Views: 13881

Actually all of this talk about leveraging a house is making me think of an interesting point. Why even borrow money to own more stocks? Why not just buy derivatives? They're leveraged, you have the ability to have a lot of stake without actually having borrowed money on the line. For every reason ...
by Boris
Mon Jul 19, 2010 5:40 pm
Forum: Personal Investments
Topic: taking out 3% loan to invest
Replies: 147
Views: 13881

Actually all of this talk about leveraging a house is making me think of an interesting point. Why even borrow money to own more stocks? Why not just buy derivatives? They're leveraged, you have the ability to have a lot of stake without actually having borrowed money on the line. For every reason t...
by Boris
Mon Jul 19, 2010 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Costs of owning a dog...
Replies: 114
Views: 23761

Well, for anyone's benefit who's considering a dog and may stumble upon this thread in the future... I just wanted to update what we've spent so far. We ended up getting a black standard poodle in March he will be 6-months old in a week... pictures to follow. Veterinary/Health : - Initial screening/...