Search found 192 matches

by raveon
Mon Apr 06, 2020 4:20 pm
Forum: Personal Consumer Issues
Topic: Taking Long Time for IRS to Accept Return
Replies: 15
Views: 749

Re: Taking Long Time for IRS to Accept Return

Federal government is fast to take money out of your bank account. Slow to send the refund. :D
by raveon
Mon Apr 06, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 138
Views: 9457

Re: Gardening 2020

Zone9b, California: This year, I have started the following seeds indoors under grow lights. 1. Succulents (getting excellent germination and they are growing well) 2. Liliput Zinnia (super good germination/growth) 3. Petite Marigolds (2nd packet of seeds, 1st pack didn't germinate well at all) 4. V...
by raveon
Thu Apr 02, 2020 1:15 pm
Forum: Investing - Theory, News & General
Topic: CalPERS Savings PLUS changes on hold
Replies: 30
Views: 395

Savings PLUS changes on hold

So the CA Savings Plus (401k) program was trying to pull a fast one by removing the index funds and pushing people into higher ER active managed funds. Today, got a notice that this change is hold given the 'COVID19 pandemic and volatility in global markets' .
by raveon
Thu Apr 02, 2020 12:40 pm
Forum: Personal Investments
Topic: CDs at Merrill Edge
Replies: 2
Views: 239

CDs at Merrill Edge

So I sold off all the Treasury Bills I had this morning. I am browsing the CDs at Merill Edge. I see some 6 months non-callable CDs with a 1 - 1.10% APY. These CDs are offered by "Midwest Community Bank", "First Financial Bank", "People's United Bank Nation", etc. Never heard of any of them. I Googl...
by raveon
Tue Mar 31, 2020 3:28 pm
Forum: Personal Consumer Issues
Topic: College Cost
Replies: 17
Views: 1331

Re: College Cost

OP didn't state the relationship though.
The student is my nephew. So I am his uncle.
by raveon
Mon Mar 30, 2020 11:45 pm
Forum: Personal Consumer Issues
Topic: College Cost
Replies: 17
Views: 1331

College Cost

A family member got into Duke. I looked at the financial aid package. Pretty decent offer. Student was offered "Direct Subsidized Loan" and "Duke Education Assist Loan". These loan amounts are very small (about $5K/year). Rest is grant. The expected family contribution is $21K/year (parent is $19K/y...
by raveon
Fri Mar 27, 2020 3:12 pm
Forum: Personal Investments
Topic: Treasury Bills
Replies: 4
Views: 465

Re: Treasury Bills

Thanks. I did not try to sell today. I will try one position tomorrow and see how it goes.

The mods should combine these two threads.
by raveon
Fri Mar 27, 2020 2:28 pm
Forum: Personal Investments
Topic: Treasury Bills
Replies: 4
Views: 465

Treasury Bills

I had purchased some Treasury Bills maturing in 3, 6, and 9 months in Feb. For the 3/6 month bills, I notice their value is slightly greater than 100 (like 100.005) with 2/5 months before maturity. At this point, isn't it best to just sell them (and lock in the short term capital gains), and reinves...
by raveon
Wed Mar 25, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 12680

Re: Stimulus Payments

Net or gross? 8-)
by raveon
Mon Mar 23, 2020 2:31 pm
Forum: Personal Investments
Topic: Any problems with buying stock funds a few times a week?
Replies: 2
Views: 209

Re: Any problems with buying stock funds a few times a week?

I personally would space it out to bi-weekly purchases. A lot of economic data should be coming in soon and it would be interesting to see how the market reacts.
by raveon
Mon Mar 23, 2020 2:16 pm
Forum: Personal Investments
Topic: RSU - sell or keep?
Replies: 8
Views: 557

Re: RSU - sell or keep?

300K worth of RSU might represent concentrated risk (single stock). May want to get rid of some and slowly DCA into your 3-fund portfolio.
by raveon
Sat Mar 21, 2020 12:04 am
Forum: Personal Consumer Issues
Topic: Where should I sell my [camera] lens?
Replies: 13
Views: 747

Re: Where should I sell my [camera] lens?

I have had good success on Craiglist. Ebay not so good.
by raveon
Fri Mar 20, 2020 9:59 pm
Forum: Personal Consumer Issues
Topic: Costco not accepting returns of some items
Replies: 15
Views: 2003

Re: Costco not accepting returns of some items

My local Walmart had three buff dudes guarding the toilet/paper towel aisle today handing out 1 per customer. Interesting times.
by raveon
Tue Mar 17, 2020 5:20 pm
Forum: Personal Investments
Topic: Sanity Check: ESPP Not Worth It
Replies: 11
Views: 651

Re: Sanity Check: ESPP Not Worth It

But it's 95% of average of first & last price? So if it starts the quarter at $200 and ends at $150, I have to buy at 95% of $175, so there's an immediate loss of $25/share.
No way... Most likely, it is 95% of 150. The 'average' is most likely the average trading price of the day. Talk to your HR.
by raveon
Tue Mar 17, 2020 4:58 pm
Forum: Personal Investments
Topic: Sanity Check: ESPP Not Worth It
Replies: 11
Views: 651

Re: Sanity Check: ESPP Not Worth It

I would give it last priority but still contribute. Getting 5% return is not bad. The return will be much higher if the price on the last day of the offering period is significantly higher than the first day. And if the company is trading down, you would accumulate more shares. You can look at the p...
by raveon
Mon Mar 16, 2020 11:12 pm
Forum: Personal Investments
Topic: Should asset allocation depend on size of portfolio?
Replies: 20
Views: 1085

Re: Should asset allocation depend on size of portfolio?

To me, AA is about risk tolerance. The larger my portfolio, the less inclination I have to take on more risk so my AA would adjust accordingly. Of course, I would have fewer years left to live/work also...
by raveon
Mon Mar 16, 2020 10:38 pm
Forum: Personal Investments
Topic: The case for managed vs passive index equity funds now?
Replies: 10
Views: 746

Re: The case for managed vs passive index equity funds now?

There was an article long time ago, that if a monkey chose stocks at random, he/she would beat 98% of the active managers on Wall Street....

https://www.forbes.com/sites/rickferri/ ... f169ea630a
by raveon
Mon Mar 16, 2020 10:35 pm
Forum: Personal Investments
Topic: Buying opportunity with Healthcare/Pandemic ?
Replies: 3
Views: 425

Re: Buying opportunity with Healthcare/Pandemic ?

You want to buy **BEFORE** it goes up 25%. :P Now, it is a sucker's opportunity. If the FDA approval fails, the stock will tank...
by raveon
Sun Mar 15, 2020 9:15 pm
Forum: Personal Investments
Topic: Vanguard intermediate treasury (VFIUX)
Replies: 4
Views: 535

Re: Vanguard intermediate treasury (VFIUX)

If you have a long-term time horizon, I would stick with the Vanguard Total Bond Index Fund (it is an intermediate fund with a duration of 6.3 years).
by raveon
Sun Mar 15, 2020 7:13 pm
Forum: Personal Investments
Topic: The mathematics of loss
Replies: 14
Views: 985

Re: The mathematics of loss

I always like referring back to these: https://personal.vanguard.com/us/insigh ... llocations
by raveon
Sun Mar 15, 2020 6:50 pm
Forum: Investing - Theory, News & General
Topic: Is there a single person on here that thinks Coronavirus is going to have a material impact on [earnings]
Replies: 117
Views: 9605

Re: Is there a single person on here that thinks Coronavirus is going to

1. Personal opinion: No. 2. It will affect consumer spending which is the bedrock of the US economy. Furthermore, the double whammy might be job losses. 3. Market/Investors don't like uncertainity / unknowns. Governments were blindsided by this. Due to lack of preparedness, they are now panicking an...
by raveon
Fri Mar 13, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: CNBC Nightly Business Report cease production in Dec 2019
Replies: 123
Views: 7429

Re: Alternative to CNBC (Hate CNBC)

But then, where else would you get the advice of the century....

‘I’m 100% in equities. … You’re never going to make enough money if you have 40% of your money in bonds" :?
by raveon
Fri Mar 13, 2020 4:41 am
Forum: Personal Investments
Topic: Time to be greedy - but how?
Replies: 7
Views: 1436

Re: Time to be greedy - but how?

Please don't do it. Margin account trading is very risky. It is good to have >6 month emergency fund. If you look at the Vanguard site, you can compare the returns/risk for a 70/30, 90/10, 100/0 portfolio. You can capture the majority of a market's return with a 70/30 portfolio with considerably les...
by raveon
Fri Mar 13, 2020 4:35 am
Forum: Personal Investments
Topic: need help with fixed income allocation
Replies: 4
Views: 275

Re: need help with fixed income allocation

120-61 = 59% bonds. 1. Short term (rash) moves = market timing 2. You could do something like 40% BND/VBTIX, 10% TIPS, 10% Treasury/CDs (return on T-bills are only taxed at federal while CD interest will get taxed both federal/state, something to think about) 3. 2% of high-yield is noise to the allo...
by raveon
Thu Mar 12, 2020 4:05 pm
Forum: Personal Investments
Topic: About to give up on International
Replies: 11
Views: 788

Re: About to give up on International

Yeah blame the foreigners :twisted:
by raveon
Thu Mar 12, 2020 3:46 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128946

Re: Coronavirus (Consumer Issues) How you are preparing?

Install bidets. https://www.amazon.com/ID-MAX-Handheld-Stainless-Bathroom/dp/B07VSFHGPZ?ref_=s9_apbd_otopr_hd_bw_bkUNrH&pf_rd_r=7R8STE8YF4WAVPFXD4EJ&pf_rd_p=54ea6d68-276e-5483-af2c-7685eb08b02d&pf_rd_s=merchandised-search-10&pf_rd_t=BROWSE&pf_rd_i=686953011 Reduce the need for toilet paper. Helps to...
by raveon
Thu Mar 12, 2020 5:08 am
Forum: Personal Investments
Topic: where are you investing now?
Replies: 4
Views: 553

Re: where are you investing now?

I was doing 90% bonds (bond index), 10% stocks (S&P 500 index) for all payroll contributions since Dec. Given the market plunge, I have switched it to 100% S&P 500 index fund today for 401k/HSA. Opportunity seems good. I maintain an AA of 70% stocks (20% large, 18% small, 18% international, 6% REIT,...
by raveon
Sun Dec 08, 2019 2:57 am
Forum: Personal Investments
Topic: 2 Questions about Vanguard Funds
Replies: 3
Views: 576

Re: 2 Questions about Vanguard Funds

1. I believe they removed the high limits on Admiral. Now the limit is $3k for most. Go for them. They're the cheapest unless you can get institutional (in your 401k) which can be even cheaper. 2. https://investor.vanguard.com/mutual-funds/list?filterIndexFunds=false&filterFiftyThousand=true#/mutual...
by raveon
Fri Dec 06, 2019 2:14 am
Forum: Personal Investments
Topic: 401(k) After-Tax contributions + Roth In-plan Conversion
Replies: 3
Views: 296

401(k) After-Tax contributions + Roth In-plan Conversion

My employer is adding a feature in the 401(k) plan next year to allow post-tax contribution in excess of 19K up to 57K. Right now, they only offer pre-tax 401(k) + Roth 401(k). I have a pre-tax 401(k) that I max out. The literature states that this post-tax money can then go through a Roth in-plan c...
by raveon
Mon Dec 02, 2019 12:41 am
Forum: Personal Consumer Issues
Topic: Who makes good leather and down jacket
Replies: 36
Views: 2663

Re: Who makes good leather and down jacket

For down jacket, see any of the companies that specialize in outdoor gear. North Face, Arcteryx, Marmot, Outdoor Research, etc. Backcountry.com is the place to go for better prices.
by raveon
Sun Dec 01, 2019 10:51 pm
Forum: Investing - Theory, News & General
Topic: Average return for US stock market for the next 10-20 years to use for planning purpose
Replies: 38
Views: 3468

Average return for US stock market for the next 10-20 years to use for planning purpose

I started investing around 2006/7. For retirement planning purposes, I have used 7% annual return post-inflation (so 9% return with 2% inflation) for my portfolio (AA: 20% large cap, 20% mid/small cap, 18% international, 6% REIT, 28 % bond, 8% company stock). I max 401k, IRAs, HSA for both spouse an...
by raveon
Mon Nov 25, 2019 4:48 am
Forum: Investing - Theory, News & General
Topic: FZROX vs VTSAX
Replies: 28
Views: 5975

FZROX vs VTSAX

I look at these funds. Fidelity one has 2503 holdings while Vanguard one has 3611. Why the difference if both are "total market index funds"?
by raveon
Mon Jul 22, 2019 6:39 pm
Forum: Personal Consumer Issues
Topic: Day & Night Shade
Replies: 3
Views: 585

Day & Night Shade

I have three windows on a high wall on my staircase leading to a loft in the 2nd floor. I would like to install a day and night shade that will provide privacy in the night to prevent our neighbor from looking into the loft. During the day, we enjoy the sunlight that comes through and don't mind lea...
by raveon
Mon Jul 15, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Ring video doorbell 2
Replies: 8
Views: 1595

Ring video doorbell 2

If I don't sign up for the cloud storage service ($3/month, $30/year), does the ring video doorbell work well? Beside losing the ability to review non-live events do I miss anything else? I was planning to setup Arlo cameras in the future to get live feed with 7 day rolling cloud storage. Existing h...
by raveon
Wed Apr 24, 2019 4:34 am
Forum: Personal Consumer Issues
Topic: Collison Damage Waiver for Car Rental in Italy
Replies: 17
Views: 1123

Collison Damage Waiver for Car Rental in Italy

I plan to rent a car from Hertz in Florence for touring Tuscany next month. I am booking on Orbitz and I have declined the CDW. I am paying through the Chase Sapphire Reserve card where they say I am covered up to $75K (Orbitz CDW policy offers up to $35K). I am just wondering if there are any gotch...
by raveon
Sat Apr 13, 2019 3:11 am
Forum: Personal Investments
Topic: Custodial Roth IRA Contribution
Replies: 1
Views: 229

Custodial Roth IRA Contribution

So I managed to setup a custodial Roth IRA at Vanguard for my nephew. Now to make a contribution for 2018, is it OK if I contribute money from my bank account instead of my nephew's? I have reviewed his tax return for 2018, and he is eligible to make a max contribution. The kid will pay me back. In ...
by raveon
Fri Apr 05, 2019 4:05 pm
Forum: Personal Investments
Topic: Vanguard: Opening Roth IRA for minor
Replies: 4
Views: 359

Re: Vanguard: Opening Roth IRA for minor

Yes, the kid has earned income. I guess kids these days don't want to enjoy the lazy childhood that I enjoyed. :D
by raveon
Fri Apr 05, 2019 3:49 pm
Forum: Personal Investments
Topic: Vanguard: Opening Roth IRA for minor
Replies: 4
Views: 359

Vanguard: Opening Roth IRA for minor

How do I open a Roth IRA for a minor? I'm on the Vanguard website and when I try to open an Roth IRA account, it asks for the kid's birth date. Then it says, "the birthdate entered indicates you are not old enough to open an account".
by raveon
Tue Apr 02, 2019 6:09 am
Forum: Personal Consumer Issues
Topic: Alitalia
Replies: 11
Views: 907

Alitalia

I'm looking to go from SFO -> Rome. Ideally, would like to fly out of Venice but the price differential for a round trip vs multi-city is $400 extra / ticket. I'm seeing SFO -> Rome -> SFO for about $600/ticket. There are three airlines involved. Delta, Alitalia, and KLM. I have flown with Delta and...
by raveon
Tue Mar 19, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)
Replies: 56
Views: 3283

Re: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)

I purchased Ooma from Costco a 2-3 years go. I didn't have a good experience with it. Setup was easy, but call quality was very poor. Many times, the call would just get cut off in the middle. After a couple of sessions with customer support, I returned the unit. Don't know if the situation has gott...
by raveon
Tue Mar 19, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Men's travel shoes. One pair for hiking/biking/walking/dining
Replies: 56
Views: 5127

Re: Men's travel shoes. One pair for hiking/biking/walking/dining

I use https://www.vasque.com/USD/product/mens-footwear/st-elias-fg-gtx-cognac-07146 I've used it from sea-level to up to 20,000 ft on rocky terrain / hiking , small river/creek crossings, regular country / metropolitan travel, on bikes, and carrying 40+lbs backpacks. No issue. I wouldn't want to wea...
by raveon
Sun Mar 03, 2019 10:08 pm
Forum: Personal Investments
Topic: Roth IRA for nephew
Replies: 7
Views: 530

Roth IRA for nephew

My nephew (17 yrs old) had earned income in 2018, and was asking me for help in reviewing his tax forms. I convinced him that he should open up a Roth IRA at Vanguard and learn how to save, and put half of his income (~3K) in it this year. He is willing to it. Which would be a better fund? I was thi...
by raveon
Fri Feb 15, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Refurbished Nikon D750 + AF-S 24-120mm f/4G Nikkor VR lens
Replies: 37
Views: 1915

Re: Refurbished Nikon D750 + AF-S 24-120mm f/4G Nikkor VR lens

The older I get the smaller and lighter I get. I would ask why you want to carry around all that weight? Fair question. However, before I used to carry N70, 50mm prime, 24mm prime, and the 80-200 f/2.8 (very heavy). So now I only want to carry one lens. I would consider that as some progress (of co...
by raveon
Fri Feb 15, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Refurbished Nikon D750 + AF-S 24-120mm f/4G Nikkor VR lens
Replies: 37
Views: 1915

Refurbished Nikon D750 + AF-S 24-120mm f/4G Nikkor VR lens

The above combo is currently available at $1796 w/ free shipping/no tax at B&H Photo Video. However, on Adorama, I found refurbished versions of the camera/lens at $1637 w/ free shipping/no tax. I have purchased refurbished consumer electronics (i.e., MFD printer, dekstop computer, etc) in the past ...
by raveon
Tue Feb 12, 2019 12:39 am
Forum: Personal Consumer Issues
Topic: Best ways to provide STRUCTURE to retired life
Replies: 71
Views: 6329

Re: Best ways to provide STRUCTURE to retired life

Wake up and have coffee with wife - Tell wife to have a nice day "at work" (I go off to my home office) - check weather, if it is nice go XC skiing or mountain biking depending on season; if it's bad, read - make lunch for self and wife (this part is excellent for me!) - send wife back to "have fun...
by raveon
Mon Feb 11, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 9543

Re: What is a Boglehead funeral/burial?

Become insect fodder.