Search found 122 matches

by core5
Thu Feb 16, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Is it reasonable to have 100% in the stock market?
Replies: 58
Views: 6918

Re: Is it reasonable to have 100% in the stock market?

IN my 401(k), I hold about 15% bonds in case the stock market indexes I'm holding crash (go on sale). If S&P500 were to drop 10-20% over the course of few days, I would dump the bond allocation and buy into stocks and let my future paycheck contributions rebuild my bond position.
by core5
Fri Jan 20, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Pay down 1.9% loan or invest
Replies: 61
Views: 5657

Re: Pay down 1.9% loan or invest

I'd hang onto my cash, and put it in a ~1% savings account. Maybe increase payments on the car each month, but I wouldn't dump 9K all at once on a 1.9% loan.
by core5
Wed Jan 18, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: The wisdom of buying a car that doesn't depreciate (much)
Replies: 24
Views: 3917

Re: The wisdom of buying a car that doesn't depreciate (much)

It's a gamble, but a current gen Viper (lightly used) might not depreciate much.
by core5
Fri Jan 06, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Assuage my fears? (Buying a house)
Replies: 12
Views: 1093

Re: Assuage my fears? (Buying a house)

I can only speak from personal experience on the first and only house we've bought. We've lived in it for 3 months now, and we're ultimately paying more than we were to rent. With that said, the space we have available is significantly more than where we rented. We're now able to host more people, w...
by core5
Tue Nov 22, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: Anyone upgrade to newest kindle?
Replies: 8
Views: 1978

Re: Anyone upgrade to newest kindle?

I have the latest one (3rd gen paperwhite). The screen resolution is a little higher which is better for detailed PDFs, but for books, there's no appreciable difference.
by core5
Wed Nov 02, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: TV Enthusiasts
Replies: 9
Views: 1580

Re: TV Enthusiasts

Under 55" you should be able to find high quality TVs for under $1000. Above 55" the prices rise fast. If you want an OLED display expect to pay around $2000 currently. They were $3-5K this time last year, so in 2017, I'd expect to start seeing OLED sets at the $1000 price point. Some earl...
by core5
Fri Oct 21, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a mortgage lender
Replies: 24
Views: 2002

Re: Choosing a mortgage lender

I'm nearing closing with a lender I found on bankrate. I wasn't in a hurry, but I made sure to ask if they were confident in making our close date. So far they've done a good job, IMO. I have called and emailed a few times just to check in and make sure everyone is on track (myself included).
by core5
Thu Oct 20, 2016 11:45 am
Forum: Personal Consumer Issues
Topic: Preferred "disk cloning" software?
Replies: 43
Views: 3797

Re: Preferred "disk cloning" software?

I would get a hardware-based drive cloner like this: m I've actually succeeded in saving the contents of a failing drive using the one I bought. It's a bit level copy, so the only thing that changes is the hardware serial ID and part ID. Windows will check for it, but reactivating the O/S license fo...
by core5
Mon Oct 10, 2016 7:25 am
Forum: Personal Consumer Issues
Topic: Budget car advice; so so tired of the noise levels
Replies: 75
Views: 8823

Re: Budget car advice; so so tired of the noise levels

The current generation Chevrolet Impala is very quiet. It's not compact, but a lower trim level would probably be affordable.
by core5
Thu Oct 06, 2016 7:58 am
Forum: Personal Finance (Not Investing)
Topic: 30 yr mortgage, but pay like a 15 yr?
Replies: 55
Views: 6889

Re: 30 yr mortgage, but pay like a 15 yr?

You could get a 20yr and split the difference. The interest will be higher than 15 year, though.
by core5
Thu Oct 15, 2015 3:42 pm
Forum: Personal Consumer Issues
Topic: Shopping for a large Ultra HD TV
Replies: 33
Views: 2542

Re: Shopping for a large Ultra HD TV

There's a protocol for increased color range in 4K televisions called HDR that hasn't been finalized (or wasn't finalized the last time I checked). It will be part of HDMI 2.0a. Currently, HDMI 2.0 supports 4K video at 60FPS, and any framerate below that. You may want to wait a few months or verify ...
by core5
Fri Dec 13, 2013 3:44 pm
Forum: Personal Consumer Issues
Topic: Could use some help with cheap gaming computer
Replies: 43
Views: 2436

Re: Could use some help with cheap gaming computer

I'd say unless you have $1000 to spend on it, or you know a guy who will give you slightly used parts for free, stick with a PS4 or Xbox One. I've built four distinct desktops for myself for games, not counting gradual upgrades, and they're always $1000+, especially when you're not recycling older p...
by core5
Fri Dec 13, 2013 10:52 am
Forum: Investing - Theory, News & General
Topic: Nobel winner 100% in index funds
Replies: 9
Views: 1898

Re: Nobel winner 100% in index funds

BradMajors wrote:The article does not say whether or not he is a passive investor. He could be market timing with index funds. He could be trying to outperform the market by invested in segments of the market.

This article has little content about his investments.


I bet he's using the marijuana index
by core5
Thu Dec 05, 2013 11:59 am
Forum: Investing - Theory, News & General
Topic: REIT price vs real estate - what gives?
Replies: 6
Views: 848

Re: REIT price vs real estate - what gives?

JoMoney wrote:
core5 wrote:Which REIT are you looking at? Vanguard's VNQ is just under 7 P/E right now.

Hmm..
Vanguard says it's trailing PE is 52.2
Morningstar says the future projected PE is 36.59
Where are you getting 7 ??!!??? :shock:


Here: https://www.google.com/finance?q=vnq&ei ... LojvsgewPw
by core5
Thu Dec 05, 2013 11:53 am
Forum: Investing - Theory, News & General
Topic: Marijuana index funds
Replies: 29
Views: 6109

Re: Marijuana index funds

Philip Morris has beaten the S&P 500 by about 100% in the last 5 years, so I'd say it's not without potential.
by core5
Wed Dec 04, 2013 2:30 pm
Forum: Investing - Theory, News & General
Topic: REIT price vs real estate - what gives?
Replies: 6
Views: 848

Re: REIT price vs real estate - what gives?

Which REIT are you looking at? Vanguard's VNQ is just under 7 P/E right now.
by core5
Mon Nov 25, 2013 1:18 pm
Forum: Personal Consumer Issues
Topic: Wireless Blu-Ray Players
Replies: 24
Views: 2219

Re: Wireless Blu-Ray Players

Munir wrote:Have a Sony BDP-S5100 and have been very happy with it.


This one will also play a wide variety of video files from a flash drive or network harddrive.
by core5
Tue Oct 29, 2013 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Help for A Young Investor
Replies: 21
Views: 2613

Re: Retirement Help for A Young Investor

I'd go with: BlackRock Russell 1000 Value-T, 0.07% ---- 30% BlackRock Russell 1000 Growth-T, 0.07% ----30% Fidelity Spartan Extended Market Index, FSEMX, 0.10% ---- 15-20% BlackRock US Debt Index 0.04% ---- 10-20% SSgA Real Asset NL-C, 0.22% ---- optional You could grab the foreign fund, but 1% ER s...
by core5
Thu Oct 24, 2013 7:05 am
Forum: Personal Consumer Issues
Topic: 2013/2014 Honda accord - any better values?
Replies: 66
Views: 30025

Re: 2013/2014 Honda accord - any better values?

The V6 in the 2013 accord is probably the best 6 cylinder on the market. Dyno plots put it closer to 300hp after accounting for drivetrain losses. It has cylinder deactivation, which is how it get into the 30s on the highway. Add to that it'll run on 87 no problem, and you can't lose. They put relat...
by core5
Mon Oct 14, 2013 1:10 pm
Forum: Personal Consumer Issues
Topic: wi fi range, extenders, Powerline, etc
Replies: 64
Views: 5358

Re: wi fi range, extenders, Powerline, etc

They do have a new version for the 802.11ac protocol as well, though I don't see myself needing that for many years; it's a low-range protocol for very high data rates. A couple comments above yours I posted about my experiences with 802.11 AC - it solved all our network issues. Our wireless is fla...
by core5
Mon Oct 14, 2013 10:01 am
Forum: Personal Consumer Issues
Topic: wi fi range, extenders, Powerline, etc
Replies: 64
Views: 5358

Re: wi fi range, extenders, Powerline, etc

Buy your own cable modem. It'll quickly pay for itself, and decoupling the modem from the router will allow you much better flexibility. We bought a Motorola SURFboard to save the modem fee, which recently rose to $6.00 per month with our provider. It'll pay for itself in less than a year. As for w...
by core5
Fri Oct 11, 2013 12:08 pm
Forum: Personal Consumer Issues
Topic: Halloween Is Coming
Replies: 21
Views: 1610

Re: Halloween Is Coming

VictoriaF wrote:
abuss368 wrote:Stay the course with low cost candy! Do not try to time candy prices at the store. Give out one kind of candy because in the end simplicity is best.


Do you slice and dice your candy?

Victoria


I like to chop the heads or bodies off gummy bears and reallocate them as I see fit.
by core5
Fri Oct 11, 2013 8:05 am
Forum: Investing - Theory, News & General
Topic: Why does roughly 500B seem to be a market cap ceiling?
Replies: 2
Views: 363

Re: Why does roughly 500B seem to be a market cap ceiling?

That's market valuation though isn't it? At 500 billion, price to book value is probably getting ridiculous.
by core5
Fri Oct 04, 2013 11:01 am
Forum: Personal Consumer Issues
Topic: Car Wax
Replies: 42
Views: 4006

Re: Car Wax

Duragloss 601 then Duragloss 105 The two bond together and form a harder layer of wax. Totally transparent and won't show white on plastic parts. This should last about a year. In between use Duragloss 951 after you wash the car. It also won't mark your plastic parts, and can be applied while the ca...
by core5
Fri Sep 27, 2013 10:09 am
Forum: Personal Finance (Not Investing)
Topic: New to HSA, is it a good fit?
Replies: 24
Views: 2699

Re: New to HSA, is it a good fit?

I have the HSA plan at my company. I'm in a similar situation to you. I don't take any regular medication and I'm in my 20s. I figured it would be good for covering my co-pays and occational medications, plus I get a $300 contribution. I just put in $50 a month.
by core5
Wed Sep 25, 2013 7:04 am
Forum: Investing - Theory, News & General
Topic: Roubini: Overweight United States. Malkiel: Don't.
Replies: 38
Views: 5290

Re: Roubini: Overweight United States. Malkiel: Don't.

I've always thought foreign markets (except for most of Europe) have more potential to increase economic productivity than the US. Will they meet or exceed that potential? That's what I'm betting on with my non-US allocation.
by core5
Tue Sep 24, 2013 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny Taxes
Replies: 11
Views: 1507

Re: Nanny Taxes

Assuming you're just paying cash, you're right, issuing a formal W-2 is cost prohibitive. I assume most people in your situation would just ignore the employer tax implications.

If anyone has gotten into trouble with the IRS for a similar situation, I'd sure like to hear about it.
by core5
Mon Sep 23, 2013 12:06 pm
Forum: Personal Consumer Issues
Topic: Best deals on gyms
Replies: 40
Views: 3946

Re: Best deals on gyms

I used to go to the YMCA, but at the closest location they had very few strength training machines/racks. There were always people waiting for spots to do weight training. I found that frustrating. I was also paying them $54/mo. I moved apartments a few months ago to save some cash on rent and then ...
by core5
Tue Sep 17, 2013 7:14 am
Forum: Investing - Theory, News & General
Topic: Only rebalancing when stocks are higher than bonds
Replies: 47
Views: 4035

Re: Only rebalancing when stocks are higher than bonds

I guess I could see the logic in waiting if your current allocation was generating higher yield than you would get if you rebalanced back into stocks. Of course, if stocks went "on sale" I hope you would have enough to take advantage of it.
by core5
Wed Sep 11, 2013 10:13 am
Forum: Personal Consumer Issues
Topic: Are you an Iphone or Android guy?
Replies: 112
Views: 9923

Re: Are you an Iphone or Android guy?

Android. I like the phones better.
by core5
Mon Sep 09, 2013 12:57 pm
Forum: Investing - Theory, News & General
Topic: What's wrong with deflation?
Replies: 37
Views: 3881

Re: What's wrong with deflation?

We have had deflation for decades in some product areas, like electronic devices. Of course, the addition of features and demand for more features can obscure the trend. It's easier to see for more commodity-like devices. Of course, the conversation is about overall deflation. Indeed. Deflation in ...
by core5
Mon Sep 09, 2013 9:29 am
Forum: Investing - Theory, News & General
Topic: Did Firms Receive Economic Data Early?
Replies: 10
Views: 1111

Re: Did Firms Receive Economic Data Early?

If true, it's yet another story suggesting that the markets are a sharply uneven playing field, with the general public playing the role of suckers trading on sloppy-seconds information, while powerful insiders pay for enhanced access. I would have a problem with this if the "insiders" we...
by core5
Thu Sep 05, 2013 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Do Bond Fund managers do as badly as Stock Fund managers?
Replies: 7
Views: 967

Re: Do Bond Fund managers do as badly as Stock Fund managers

Some active bond funds are leveraged, so you might be able to get a higher return with higher risk. I'm not sure if leveraged bond indexes exist.
by core5
Wed Sep 04, 2013 7:10 am
Forum: Investing - Theory, News & General
Topic: Investing off the radar - beating the Bozos
Replies: 34
Views: 3708

Re: Investing off the radar - beating the Bozos

In order to improve your odds, he recommends that you try do to 3 things: be early, have foresight, and be patient. I'm trying to compile a mental list of candidates for investing where the puck might be - stuff that's off the radar of most investors and talking heads right now. Invest early in you...
by core5
Fri Aug 30, 2013 4:06 pm
Forum: Personal Consumer Issues
Topic: Looking for Uninterrupted Power Source for Computer
Replies: 27
Views: 2395

Re: Looking for Uninterrupted Power Source for Computer

$60 and $125 or whether it pays to go higher up the scale. My need is just my desktop computer. If you're not running mission critical applications, then Cyberpower is probably your best bet in that price range. If you want a pure-sinewave output, meaning it uses the electricity from the wall for i...
by core5
Thu Aug 29, 2013 9:18 am
Forum: Personal Consumer Issues
Topic: Oil vs Propane?
Replies: 35
Views: 12890

Re: Oil vs Propane?

Have you checked into all electric? I don't really know the pros/cons versus oil/propane. You might be able to break even with propane heat by installing electric floor heating (water). It's not exactly cheap and neither is operating the cost, but my parents say the costs are slightly less than hea...
by core5
Tue Aug 13, 2013 11:00 am
Forum: Investing - Theory, News & General
Topic: Why Do So Many Talking Heads Recommend Roth 401k?
Replies: 23
Views: 2835

Re: Why Do So Many Talking Heads Recommend Roth 401k?

Not sure that Howard Clark and Dave Ramsey recommend Roth 401ks above all other type of accounts. I do respect Clark but not so much Ramsey. Roth 401ks are relatively new, although Roth IRAs have been around longer. Of course there are pros and cons. Anything Roth is not subject to required minimum...
by core5
Wed Aug 07, 2013 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Car Worth Repairing?
Replies: 20
Views: 2044

Re: Car Worth Repairing?

If it's a 2.0L gas engine, it should still last well into the 200k mile range. The Automatic transmission for that generation wasn't stellar, but it ususally got the job done. The manual transmissions from the same time were more robust. Assuming the rest of the car is in decent shape and maintenanc...
by core5
Wed Aug 07, 2013 7:26 am
Forum: Personal Consumer Issues
Topic: Help us pick a car, please.
Replies: 44
Views: 5059

Re: Help us pick a car, please.

I think you should look at the VW Passat TDI. It'll get 40+MPG on the highway, and it has good handling for a car its size. The truck is huge, and it will seat four, six-foot adults comfortably (no joke). All maintenance is covered for 36months/36,000 miles and powertrain is covered for 6years/60k m...
by core5
Thu Aug 01, 2013 12:26 pm
Forum: Investing - Theory, News & General
Topic: Is company stock ever a good idea?
Replies: 35
Views: 3243

Re: Is company stock ever a good idea?

If you have an employee stock purchase program (ESPP) where you get a discount on the stock price and the ability to sell it soon after buying it, that's a good offer.
by core5
Thu Aug 01, 2013 10:33 am
Forum: Personal Consumer Issues
Topic: Help with picking a mid-size luxury sedan
Replies: 28
Views: 3460

Re: Help with picking a mid-size luxury sedan

Have you checked out the Cadillac CTS or XTS? Believe it or not the Buick Lacrosse doesn't appear to bad on paper, either. For these American cars, I'd expect the repair costs to be less than the imports. I'd probably go with the Audi. Maybe lease it new and trade up later, or buy slightly used (und...
by core5
Mon Jul 29, 2013 4:09 pm
Forum: Personal Consumer Issues
Topic: Buying a new car vs leasing
Replies: 61
Views: 7527

Re: Buying a new car vs leasing

newbeee wrote:Do you know of good sources for expected car maintenance costs by year/mileage? I'd like to figure out when is a generally optimal time to switch cars.


Probably here, But it's going to be historically based: http://www.edmunds.com/tco.html
by core5
Mon Jul 29, 2013 12:20 pm
Forum: Personal Consumer Issues
Topic: Buying a new car vs leasing
Replies: 61
Views: 7527

Re: Buying a new car vs leasing

If you're simply worried about repairs, there are a few companies that offer 100k mile/10 year warranties. Hyundai come to mind, and more recently, they've been building attractive vehicles. Also, there are are third-party extended warranties that I've seen up to 100k miles. For my car, it would be ...
by core5
Wed Jul 24, 2013 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Holy Geico Batman!
Replies: 38
Views: 6501

Re: Holy Geico Batman!

I have USAA. I ran into another car a few weeks ago and it was my fault. Fortunately, it was a low-speed impact and no one was hurt (brake distance was just short). I called USAA first and didn't bother with the police, since I knew they'd probably ticket me for the accident. The USAA representative...
by core5
Tue Jul 09, 2013 10:52 am
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 167
Views: 23335

Re: How to get over finance envy

I think it is perfectly natural to feel envy of other people's possessions, especially when you interact very frequently with those who own more than you, whether they can afford it or not. Don't feel ashamed of your envy, but do try your hardest not to let it dictate how you live your life. The ea...
by core5
Fri Jun 28, 2013 8:59 am
Forum: Personal Consumer Issues
Topic: computer security
Replies: 8
Views: 1775

Re: computer security

I strongly advise against using Spybot. It is one of the worst products out there. It was a decent product ten years ago, but it's long been surpassed. I'm in the Avast + Malwarebytes camp (and believe me, I've used quite a few products over the years.) Why do you advise against SpyBot? To me it se...
by core5
Fri Jun 28, 2013 7:25 am
Forum: Personal Consumer Issues
Topic: computer security
Replies: 8
Views: 1775

Re: computer security

Avast Free Service. I've actually caught things with it, so that convinced me it's not useless. As a backup, use Spybot S&D. It blocks known bad IP addresses in your windows hosts file. It can also find "adware" and tracking cookies and delete them. MalwareBytes is another good one, bu...
by core5
Fri Jun 28, 2013 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Accepted into an investing education program, worth it?
Replies: 17
Views: 2335

Re: Accepted into an investing education program, worth it?

I would first say you should follow your goals and plans. If you want to do something and you enjoy doing it, then you should pursue it. However, you will get opportunities in your life that only come once, maybe twice. Sometimes they may not be golden and launch you to new heights, but if you don't...
by core5
Wed Jun 26, 2013 3:38 pm
Forum: Personal Consumer Issues
Topic: Is "buying organic" food worth it?
Replies: 89
Views: 7083

Re: Is "buying organic" food worth it?

I've also seen organic meat advertised with "no antibiotics used", and thought "why would I want that?" I can't tell if you are being facetious. Antibiotic overuse leads to antibiotic-resistant bacteria, which affects everyone. When an animal consumes antibiotics as part of thei...