Search found 549 matches

by TareNeko
Wed Feb 07, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Selling a mutual fund to buy an ETF
Replies: 6
Views: 445

Re: Selling a mutual fund to buy an ETF

If I remember correctly, you can sell one thing (trade 1) and immediately use the money from unsettled trade to buy something else (trade 2).

The only caveat is, to sell the thing you bought in trade 2, you have to wait for trade 1 to settle.
by TareNeko
Wed Feb 07, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: Huge afternoon stock drop on 2.5.2018 and stock raise on 2.6.2018 is caused by mutual fund holders
Replies: 46
Views: 6776

Re: Huge afternoon stock drop on 2.5.2018 and stock raise on 2.6.2018 is caused by mutual fund holders

Very interesting discussion. I find some basic info (see below) but it is still not clear to me when the mutual fund executes the trades it receives. If there were 10 million buy orders and 10 million sell orders, the mutual fund can just exchange ownership between buyers and sellers. But if there i...
by TareNeko
Mon Feb 05, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Being a Disciplined Investor - How do you avoid temptations?
Replies: 41
Views: 2709

Re: Being a Disciplined Investor - How do you avoid temptations?

Instead of ETFs, buy mutual funds. You can't sell mutual fund instantly to buy something else. That has stopped me from buying individual stocks on a whim.
by TareNeko
Wed Jan 24, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 43
Views: 3624

Re: 50% of my portfolio in FANG - 15% in NVDA

I'll tell you what I tell my friends who "invest" in bitcoins: You've been lucky, get out while you are ahead. Luck is not a strategy.
by TareNeko
Wed Jan 17, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Which to Max First: 401k or HSA?
Replies: 13
Views: 888

Re: Which to Max First: 401k or HSA?

The order shown below is financially best option when one wants to save on taxes. There are some other details though. For instance, you can withdraw your contributions (not earnings) from Roth IRA without penalty before 59 1/2. That may have a value for you. In your case, you should absolutely cont...
by TareNeko
Sat Dec 30, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 11250

Re: Another should i buy my dream porsche thread...

Of course 911 deserve every single dollar Porsche charges. Nothing drives like 911 or cayman. But the OP is not in the position to buy one yet. He’s not too far I think. If he can wait couple of years, it will be prudent. Although I still maintain my view that buying a 911 to drive 3k/miles and not ...
by TareNeko
Fri Dec 29, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 11250

Re: Another should i buy my dream porsche thread...

Okay big boy, what did you learn from all the input? Are you going to do exactly what you were contemplating? Or did you learn anything from all the advice given? After you slowly told us all the facts, I still think it seems like a bad idea. You have good income, but not enough wealth yet. You’ll d...
by TareNeko
Thu Dec 28, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 11250

Re: Another should i buy my dream porsche thread...

Why not a Cayman then? 991 is big and heavy. Are you going to take this car to track? If not, it is waste of money in my opinion. I still never mentioned why you want this particular car. What is your goal with it? Drive fast on the streets? go to a road course/track? look good in front of friends a...
by TareNeko
Wed Dec 27, 2017 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Miata as second car
Replies: 94
Views: 4024

Re: Miata as second car

How does more weight make a car safer? I own a low mileage 2007 BMW Z4, which I love. I think Miata's are great cars but they only weight about 2300 lbs and I worry about the safety. The Z4 weights about 3100 lbs (about the same as a 2018 Honda Accord). But you are right to be concerned with the Z4 ...
by TareNeko
Tue Dec 19, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 86
Views: 5581

Re: Electric Energy Usage

I would consider ductless heat-pump when the time comes to change your HVAC system. They are more efficient than forced-air type heat-pumps especially at lower temps. Also it is very easy to create zones with ductless system.
by TareNeko
Mon Nov 13, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Audiophile Headphones
Replies: 31
Views: 2797

Re: Audiophile Headphones

Well, that's partly because audiophile community likes to spend $500 on a power cable. So a headphone at $100 or any widely known brand cannot be good for an audiophile... :sharebeer I am sure lots of sound engineers use Sony products. But I doubt you will find any famous ones using them. As I said ...
by TareNeko
Mon Nov 13, 2017 12:02 am
Forum: Personal Consumer Issues
Topic: Audiophile Headphones
Replies: 31
Views: 2797

Re: Audiophile Headphones

Another vote for Sony MDR 7506. These are the go to headphones in professional studios. OP: What music system do you have? And what is the format of the music? klangfool has it right. I went through the same buying research years ago and ended up with Sony MDR-7506 headphones, which he linked to. I ...
by TareNeko
Fri Nov 10, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 278
Views: 39377

Re: Selling all equities, discuss why I'm wrong. :)

I think you are taking bits of information, mixing them in your head, and making extreme decisions. Just because some bogleheads are heavy in equities or small caps or momentum stocks, it doesn't mean that we know nothing about equities, therefore they should be avoided. There are reasons why in the...
by TareNeko
Sat Nov 04, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: HSA related health care question
Replies: 10
Views: 1101

Re: HSA related health care question

Got it. Thanks. Just be very sure that your wife does not elect to contribute to a general purpose FSA or participate in a general purpose HRA. In most cases those plans can be used to provide coverage to you before the minimum HDHP deductible is met. It doesn't matter whether they actually do or no...
by TareNeko
Sat Nov 04, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: HSA related health care question
Replies: 10
Views: 1101

Re: HSA related health care question

Thank you all for the answers. So by doing this, I gain access to extra $3450 of tax advantaged space. At 25% tax bracket, that's a $862.5 saving. Most employers contribute to HSA to make high deductible plans more appealing. Of course, in that case $862.5 tax saving is reduced, but it is possible t...
by TareNeko
Sat Nov 04, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 12414

Re: Got an iPhoneX

At this point I can't wait for your photo. It sounds like apple made a bespoke small iPhone X and you're the lucky owner:) I gave up. But someone offered to do it for me. We are communicating by PM so stay tuned. Thank you all for your patience with me. The conversation here will help me decide to k...
by TareNeko
Fri Nov 03, 2017 11:59 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 12414

Re: Got an iPhoneX

Time to refresh some geometry I guess. Screen sizes are often given as diagonal. Longer diagonal doesn't mean larger screen, since aspect ratio also plays a role. When I looked at this link, the display of the X is larger than the 7 Plus: https://www.apple.com/iphone/compare/ iPhone X: How to view y...
by TareNeko
Thu Nov 02, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: HSA related health care question
Replies: 10
Views: 1101

Re: HSA related health care question

Great. Thank you. I couldn't find any info for the situation I described, and I was thinking that it should be OK. You will have a family plan HDHP and that is all that is necessary to have the HSA family plan contribution limit. She will not be a eligible individual able to open her own HSA or make...
by TareNeko
Thu Nov 02, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: HSA related health care question
Replies: 10
Views: 1101

HSA related health care question

I have access to high deductible health care (HDHC) plan through my employer. I max out my HSA contributions and enjoying tax free growth of the account. My wife has a non-HDHC plan through her employer. For next year, I want to add her to my insurance (as a secondary insurance for her). She will st...
by TareNeko
Tue Oct 24, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Dual Fuel Stoves
Replies: 19
Views: 1353

Re: Dual Fuel Stoves

This is not exactly true. From what I understand, electric oven is better for baking, while gas oven is better for roasting. This is because electric heat is dry, gas heat is moist. The best, by the way, is to have electric oven with water inlet, so it can create more moist heat when needed. So, wha...
by TareNeko
Thu Oct 19, 2017 1:38 am
Forum: Investing - Help with Personal Investments
Topic: Investing in private companies
Replies: 31
Views: 2192

Re: Investing in private companies

I've no such experience. Thanks for clarifying though. I now understand what you mean, and it makes sense. Again, if I do this, it'll be with my own money (same goes to other partners). We won't be getting any loan (personally or through the partnership). You may walk into a bank (or a rich friend's...
by TareNeko
Thu Oct 19, 2017 12:34 am
Forum: Investing - Help with Personal Investments
Topic: Investing in private companies
Replies: 31
Views: 2192

Re: Investing in private companies

Yes, but the organization is an LLC, with no money other than what's invested in the private company. So my personal assets should be fine, right? Let me add that if/when there are multiple people or organizations backing contracts/loans, perhaps with pledged collateral (such as bank accounts, commo...
by TareNeko
Thu Oct 19, 2017 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Investing in private companies
Replies: 31
Views: 2192

Re: Investing in private companies

Unfortunately no. It's in my field (electrical engineering), but very different specialization such that I can only be hired in a very Jr position, if ever. Good idea though. Is there a way to invest your time and talent via a job at this company instead? Directly contributing could be more valuable...
by TareNeko
Thu Oct 19, 2017 12:20 am
Forum: Investing - Help with Personal Investments
Topic: Investing in private companies
Replies: 31
Views: 2192

Re: Investing in private companies

I'm not getting this. I put my money into a partnership. That partnership then puts money into private company X. If private company X goes under, and if it had some debt, are the partnership partners' assets at risk? In your example, you are talking about me going to bank and getting a loan. I have...
by TareNeko
Mon Oct 16, 2017 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in private companies
Replies: 31
Views: 2192

Re: Investing in private companies

That is scary. If we form an LLC or partnership with limited liability partners, wouldn't that protect our personal assets in situations such as this? 2. Personal guarantee of loans, contracts, legal settlement and "joint ans several" - Those lending money to small companies or entering into contrac...
by TareNeko
Sun Oct 15, 2017 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in private companies
Replies: 31
Views: 2192

Re: Investing in private companies

Thanks. This is a bit confusing to me. Especially the bold part. I think we can satisfy $5million (though it depends what's counted as assets). But our sole purpose is to invest in a particular company, which the bold text says can't be done. Aside from the actual company we want to invest, we can i...
by TareNeko
Sun Oct 15, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in private companies
Replies: 31
Views: 2192

Re: Investing in private companies

If. Do this, I understand that I can loose all of the money I put into this company, and I'm ok with that. The second paragraph is more worrisome though. I don't want to be liable for the debt of company if they go under. Be aware that if you are an investor (even if very small) in such a company AN...
by TareNeko
Sun Oct 15, 2017 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Investing in private companies
Replies: 31
Views: 2192

Re: Investing in private companies

Thank you all for the answers. Yes, this a tech company. No, we won't have 51% share, which is fine. Normally I wouldn't be interested in such an investment. But the ex CEO of the company I'm working for, and bunch of other people that I know formed a tech company. The company is in a field in which...
by TareNeko
Fri Oct 13, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in private companies
Replies: 31
Views: 2192

Investing in private companies

I know that this kind of thing is fraud upon for a boglehead. But assume I have "play" money that I'm willing to loose, and would like to invest in private companies. Do I need to be accredited investor to invest in private companies? And what happens if group of people pool their resources? How sho...
by TareNeko
Mon Oct 02, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 10887

Re: Current Bull Market could last years

Prettybogle, I have read few of your posts (including the desire to buy expensive house, and investing in Tesla), I really think you need to get more informed about finance and investing. I hope you won't take this the wrong way, but based on your posts, you lack even the simplest understanding of f...
by TareNeko
Mon Sep 25, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 12935

Re: Lifestyle Creep

For years we are 2 income family and have done a good job of controlling the big expenses - our house is modest for our income and the most we've ever spent on a car is $24 and we tend to run them to the ground. Wow... I wish I could figure out how to get a car for $24! It was a typo; he meant $24 ...
by TareNeko
Sat Sep 16, 2017 12:25 am
Forum: Investing - Theory, News & General
Topic: Bitcoin is dropping right now after a big Chinese exchange announces closure
Replies: 84
Views: 7371

Re: Bitcoin is dropping right now after a big Chinese exchange announces closure

Sure, lots of places accept bitcoin... but do people use it? That's my question. More and more are.. its JUST starting to become more mainstream. You can google and find a ton of places adapting bitcoin, including Switzerland gov allowing you to pay tax using BTC. Microsoft, Dell, Overstock, Subway,...
by TareNeko
Fri Sep 15, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: The true cost of Luxury
Replies: 32
Views: 4135

Re: The true cost of Luxury

I design chips for living, and I know how unreliable electronics can be. Ovens can get to 500C, but most chips won't withstand >150C. I am currently struggling with this. I know that something expensive doesn't mean it is well made. We need to replace our range and after looking at GE, Samsung, LG a...
by TareNeko
Fri Sep 15, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: The true cost of Luxury
Replies: 32
Views: 4135

Re: The true cost of Luxury

I am currently struggling with this. I know that something expensive doesn't mean it is well made. We need to replace our range and after looking at GE, Samsung, LG and the likes, I am just disappointed in the quality of these items. And they use so much electronics, that I am worried about reliabil...
by TareNeko
Fri Sep 15, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: Bitcoin is dropping right now after a big Chinese exchange announces closure
Replies: 84
Views: 7371

Re: Bitcoin is dropping right now after a big Chinese exchange announces closure

It may be technologically interesting, but that does not make it a valid currency or investment. As a technology may be it will have some other uses that add value in the future. But as a currency contender, it is just speculation. Is anyone really using bitcoin as currency right now? Or is it used ...
by TareNeko
Tue Sep 12, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 28548

Re: Iphone X is $1000

So in your world, R&D is free? I'm not advocating the $1000 price tag, but 20% margin is just not realistic. That's why Apple stock is doing well. Personally, I would pay $300 max for it if I need a new phone . Manufacturing cost of a new iPhone is roughly $225-$250. I'd give Apple 20% margin. But t...
by TareNeko
Sun Sep 03, 2017 1:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard Speaks Softly but Carries a Big Stick
Replies: 29
Views: 3706

Re: Vanguard Speaks Softly but Carries a Big Stick

Since fracking is terrible for environment, long or short gain doesn't matter. What if Exxon wants to invest in, say, fracking because it believes its long term value for its shareholders, but political action committee at VG blocks it in the name of climate change? Floodgates for active hands on ma...
by TareNeko
Sun Sep 03, 2017 1:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard Speaks Softly but Carries a Big Stick
Replies: 29
Views: 3706

Re: Vanguard Speaks Softly but Carries a Big Stick

I think it is great that Vanguard is looking after us. I don't imagine them getting into nitty gritty of corporate governance. Executive compensation, long/short term focus, gender/race equality, global warming etc are areas I expect Vanguard to enforce corporations.
by TareNeko
Sun Sep 03, 2017 1:02 am
Forum: Personal Consumer Issues
Topic: Does anyone use Driving Shoes?
Replies: 40
Views: 4547

Re: Does anyone use Driving Shoes?

Light shoes with them thin bottoms work well for me since I like to feel the pedals. Also helps with heel & toe.
by TareNeko
Wed Jul 26, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Why not Schwab instead of Vanguard?
Replies: 68
Views: 5802

Re: Why not Schwab instead of Vanguard?

Why risk it? Vanguard's mission is to provide low cost funds. I want to vote with my money and "reward" Vanguard for what they have enabled.
by TareNeko
Wed Jul 26, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 79
Views: 6397

Re: BMW Z3 or Z4 or nothing at all?

I had E85 Z4 Roadster and E86 Z4 M Coupe. Both great cars. That being said, I'd get the new Mazda Miata.
by TareNeko
Tue Jul 25, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Pausing 401k to Pay Debts?
Replies: 48
Views: 2903

Re: Pausing 401k to Pay Debts?

I haven't done the math to see at what interest rate you are better of paying the debt first. Below calculation shows the importance of tax advantaged accounts in the long haul. Assumptions: You are 25 years old. You can save $10k/year after taxes. Your portfolio gets 5% real return on investments. ...
by TareNeko
Fri Jul 21, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 22700

Re: Buying house - Very important decision

Why the sad face? Is $30 a lot of money for you?
prettybogle wrote: Rent went up by about $30 per month :-(
by TareNeko
Fri Jul 14, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Road vehicle, 4 adults, one car seat, must it be a minivan?
Replies: 43
Views: 2982

Re: Road vehicle, 4 adults, one car seat, must it be a minivan?

Mazda 5. Smallest "van" that can fit 6 people. It's same length as Golf Sportwagon, weighs a bit more.
by TareNeko
Sat Jul 08, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 6464

Re: Better hurry if you want a gas-engine Volvo

I believe ICE engines are about 30-35% efficient. Not that it's great, but 10% efficiency would be unexpectable. if all/most cars become electric someday, where will all the electricity come from to power them every day? how will it be generated? ICE is extremely inefficient, about 90% of the energy...
by TareNeko
Fri Jul 07, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: $10k House (hypothetical) at 3.75% rate, you pay $6,672.16 in interest after 30 years?
Replies: 49
Views: 5604

Re: $10k House (hypothetical) at 3.75% rate, you pay $6,672.16 in interest after 30 years?

Mortgage is compound interest. That's why it hurts a lot! The good thing is, even though you'd pay $6672.16 in interest (using your example), due to inflation, it wouldn't actually cost you $6672.16 in today's money. Another good thing about mortgage is protection from rent increase whether it's bec...
by TareNeko
Wed Jul 05, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Range advice (for kitchen)
Replies: 9
Views: 797

Re: Range advice (for kitchen)

Thank you for the input. Several people told us to avoid GE.
sport wrote:We have a duel fuel slide-in GE range. I would not recommend it.
by TareNeko
Wed Jul 05, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Range advice (for kitchen)
Replies: 9
Views: 797

Re: Range advice (for kitchen)

I was actually considering Bosch, but Consumer Report reviews are pretty mediocre (to my surprise). Honestly, I'm not sure how much I should trust consumer reports on this topic..
neilpilot wrote:Consider the Bosch Benchmark & 800 series
by TareNeko
Wed Jul 05, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Range advice (for kitchen)
Replies: 9
Views: 797

Re: Range advice (for kitchen)

Yes, that is the Samsung model we are considering. I thought it had wifi (not that I care). Thanks for the correction. We bought a Samsung dual fuel range this spring. It did not have wifi. It is priced around $3000, though we were able to buy it for substantially less through a local appliance stor...