Search found 68 matches

by ajjulee
Sun Apr 19, 2020 7:25 am
Forum: Personal Consumer Issues
Topic: Best Way to Watch British Mystery Shows
Replies: 59
Views: 4284

Re: Best Way to Watch British Mystery Shows

I can recommend A Touch of Frost, Blue Murder and the 4 Sherlock Holmes series starring Jeremy Brett. Brett is just brilliant as Holmes. I second "A Touch of Frost", David Jason as Frost is superb. I watched them all on Netflix disc rental about 15 years ago. Not sure how to watch them now. Dave Al...
by ajjulee
Thu Apr 16, 2020 9:22 am
Forum: Personal Consumer Issues
Topic: Best Way to Watch British Mystery Shows
Replies: 59
Views: 4284

Re: Best Way to Watch British Mystery Shows

I'd vote for Britbox.
Acorn, though good, has 55 mysteries (some of them European & Australian series)
Britbox has 75 British mysteries (Entirely British)
by ajjulee
Mon Nov 11, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Homebuying in Los Angeles - Advice Needed
Replies: 77
Views: 8244

Re: Homebuying in Los Angeles - Advice Needed

WWID? If I feel confident that the field I’m in has longevity of at least 15 years and salaries will stay within my current number: I’d buy a least expensive house that’s in a really good neighborhood - probably a fixer upper. My per sft cost of renovation has always been lower than price. You have ...
by ajjulee
Wed Jul 17, 2019 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Having second thoughts about Personal Capital
Replies: 30
Views: 3715

Re: Having second thoughts about Personal Capital

From Vanguards terms of service.(my red coloring) https://about.vanguard.com/terms-conditions.html You are responsible for maintaining the confidentiality of any account information, user names, logins, passwords , and security questions and answers that you use to access any page or feature on thi...
by ajjulee
Mon Jul 01, 2019 4:22 pm
Forum: Investing - Theory, News & General
Topic: Misbehaviour of markets and the Black Swan
Replies: 87
Views: 9768

Re: Misbehaviour of markets and the Black Swan

So, let me modestly take the other side. When it comes to standard deviations, I am a "glass half full" type of guy - or to be precise, 95% full. It provides a robust framework, independent of asset time and time horizon. It is simple and robust. And it is good out to 2 to 3 standard deviations. An...
by ajjulee
Wed Oct 17, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11926

Re: What do you consider 'enough'?

Gittes: How much are you worth? Cross: I've no idea. How much do you want? Gittes: I just want to know what you're worth. Over ten million? Cross: Oh my, yes! Gittes: Why are you doing it? How much better can you eat? What can you buy that you can't already afford? Cross: The future, Mr. Gittes - t...
by ajjulee
Tue Oct 16, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4748

Re: Relocation to California

Until quite recently lived in Lost Angeles for over 30 years. I think I know a thing or two about it. I'd characterize it as a living hell. Driving of any kind hellacious. When I told people I had finally gotten my i'm moving get out of jail free card every conversation centered around how impossib...
by ajjulee
Thu Feb 01, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: "Index funds will, by their very definition, return the benchmark and be the median return."
Replies: 22
Views: 2960

Re: "Index funds will, by their very definition, return the benchmark and be the median return."

Thanks again for the information and discussion - specially to Pajamas, nisiprius. Forwarded the information.

From his emails it's clear that the manager will do nothing. However, there were other people involved in this discussion and hopefully they are presented an alternate view point.

Regards
by ajjulee
Wed Jan 31, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: "Index funds will, by their very definition, return the benchmark and be the median return."
Replies: 22
Views: 2960

Re: "Index funds will, by their very definition, return the benchmark and be the median return."

All the active funds in the fund mix have expense ratios above 1.0 Hence the request to add a low cost S&P index fund. There was certain bias against index funds in his communications. Also, I think what he meant by 'median return' (that I could glean from his emails) was that about 50% of the activ...
by ajjulee
Wed Jan 31, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: "Index funds will, by their very definition, return the benchmark and be the median return."
Replies: 22
Views: 2960

Re: "Index funds will, by their very definition, return the benchmark and be the median return."

Thanks for the responses. Perhaps my OP could have been clearer. I'm in agreement with the thesis that 80% of active funds/managers lag behind index funds. This is from my memory of reading a few papers many years ago. The work done by Philip E. Tetlock is more about stock picking - the famous money...
by ajjulee
Wed Jan 31, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: "Index funds will, by their very definition, return the benchmark and be the median return."
Replies: 22
Views: 2960

"Index funds will, by their very definition, return the benchmark and be the median return."

Dear BHs, The above statement was made by someone (wall street person) who manages and controls retirement plan assets for a company, expressing the idea that there is no clear winner between Active Funds and Passive Funds when one of the employees asked index funds to be added to the fund mix. I do...
by ajjulee
Wed Nov 15, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 7426

Re: Fair way to split expenses?

We echo what others said about sharing 50/50. However one of us got a huge raise a few years after the marriage. So, we came up with a few rules. For joint expenses such as mortgage, utilities - we share the cost. For individual expenses such as a nose job, it comes out of individual savings. We do ...
by ajjulee
Wed Nov 01, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Warning Buffet Indicator?!?
Replies: 31
Views: 3562

Re: Warning Buffet Indicator?!?

Do you eat at establishments that feature a buffet? A buffet is a place where food is presented in separately pans and dishes for one to self-serve themselves. I know of cafeterias, Indian, Middle-eastern, Mexican, Chinese, and barbecue buffet places. How do you know if the food is not contaminated...
by ajjulee
Thu Sep 07, 2017 8:42 am
Forum: Investing - Theory, News & General
Topic: REIT versus Rental properties
Replies: 15
Views: 3462

Re: REIT versus Rental properties

would I benefit similarly if I cashed out and invested the entire nut in a REIT? If you do this, you might want to look into Umbrella Partnership REITs (UPREIT). Because of the way they are structured, you can do a 1031 tax deferred exchange. Otherwise, cashing out and buying a normal REIT is likel...
by ajjulee
Tue Aug 29, 2017 6:19 am
Forum: Personal Finance (Not Investing)
Topic: hybrid ltc plan - is it worth it?
Replies: 8
Views: 1691

Re: hybrid ltc plan - is it worth it?

Here is a blog that seems to answer a lot of specific questions from various people regarding ltc in it's comments section. Time frame for the questions is from 5 years ago to a month ago - so some of the information maybe outdated. Hope it helps. http://longtermcareinsurancepartner.com/blog/lincoln...
by ajjulee
Fri Aug 25, 2017 3:08 pm
Forum: Investing - Theory, News & General
Topic: Passive investing is a Ponzi scheme
Replies: 77
Views: 8641

Re: Passive investing is a Ponzi scheme

For what it's worth, I'd like to thank nedsaid and jbolden1517 for a good discussion on this topic. I'm sure there will be more discussions on this subject in near future - a civil discourse of different and opposing ideas is much appreciated.
by ajjulee
Wed Aug 16, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4448
Views: 1258497

Re: What Book Are You Currently Reading? Part VI

"A Generation of Sociopaths" - How the Baby Boomers Betrayed America By Bruce Cannon Gibney - A venture capitalist & writer - early investor in PayPal, Facebook, Spotify, Palantir Technologies, SpaceX, Airbnb, Lyft and other start-ups. I've a sneaking suspicion that we are going to hell in a hand ba...
by ajjulee
Wed Aug 02, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Framed pictures--where to buy?
Replies: 14
Views: 1288

Re: Framed pictures--where to buy?

I bought a few (two from each allposters.com & art.com) prints to evaluate but was very disappointed with the quality of the print. Artists were Sargent, Ilya Repin, and Sorolla etc., I was so disappointed with the prints that, not only could I not put them up on my walls, but also could not, in go...
by ajjulee
Wed Aug 02, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: Framed pictures--where to buy?
Replies: 14
Views: 1288

Re: Framed pictures--where to buy?

I bought a few (two from each allposters.com & art.com) prints to evaluate but was very disappointed with the quality of the print. Artists were Sargent, Ilya Repin, and Sorolla etc., I was so disappointed with the prints that, not only could I not put them up on my walls, but also could not, in goo...
by ajjulee
Sat Jun 17, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid Planning
Replies: 32
Views: 3725

Re: Medicaid Planning

I want to address several comments related to shifting assets . For the record, discussions of dishonest behavior or bypassing the law are totally unacceptable. The intent is to understand how to do this within the existing legal framework; in which case this discussion can continue. Everything is ...
by ajjulee
Fri May 19, 2017 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else agree with my logic on silicon valley housing?
Replies: 84
Views: 10481

Re: Anyone else agree with my logic on silicon valley housing?

We moved out of NY to Texas for the same reason about 8 years ago. Our lives couldn't be better. Thanks. All the replies here are great and super helpful, but they seem to be confirming the conclusion I came to originally. You can spin the math about housing anyway you want based on future career p...
by ajjulee
Fri May 19, 2017 5:52 am
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 66
Views: 10669

Re: Milestone and not peeking. . .

Congratulations on you crossing the milestone! Wish you many more in the future.
by ajjulee
Fri May 19, 2017 5:47 am
Forum: Personal Investments
Topic: Justification for holding Emerging Markets?
Replies: 69
Views: 8024

Re: Justification for holding Emerging Markets?

...People who cite the long-term performance of U.S. stocks dating back to the 19th Century and then question why anyone would invest in emerging markets today seem to have rather self-contradictory views, since the U.S. is really the ultimate EM success story... Since the term "emerging markets" w...
by ajjulee
Sun May 14, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 56510

Re: Regret early retirement/downsizing

In fact, I disdain such people. (And I certainly don't think that the world's smartest people are found there.) I never met anyone in my years working in an office that I respected much at all. What a waste of life, I thought. If I have a regret, it's that I spent any time at all in such places. " ...
by ajjulee
Fri Apr 21, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 573
Views: 235137

Re: TV show recommendations?

Have been binging on Britbox - a new subscription based app for BBC and ITV content. Amazing library. Morse, Inspector Lynley(spelling?), Frost, Faulty Towers etc., among many programs.

AL
by ajjulee
Wed Mar 01, 2017 11:05 am
Forum: Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 21903

Re: Possibly Financially Independent and Feeling Miserable

Our rolling 5-year historical yearly spending amount is around $51,000. That seems like a low number to me, although the math doesn't lie, so to be safe I increase it by roughly 15% and calculate that we "need" $60,000 year. Does your spending amount include healthcare expense for both of you? $100...
by ajjulee
Mon Feb 20, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: Deleted
Replies: 47
Views: 6871

Re: economics of landlording

As a novice in this field, I'm still trying to get my head around the idea that a property can be a better investment when it's mortgaged, a worse investment when it's paid for, and paying off the loan at some future date can have the effect of making an otherwise good investment into a bad one. It...
by ajjulee
Thu Feb 16, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Progress Made - What Now? (Pay off cheap mtg or invest)
Replies: 31
Views: 4764

Re: Progress Made - What Now? (Pay off cheap mtg or invest)

Hi Bogleheads! My husband and I made a lot of progress de-levering in 2016, and we are on track to rebuild cash pretty quickly due to some RSUs vesting and other bonuses. Once personal reserves are back over $50K (plus rental reserves of $25K), we are on the fence about what to do with our excess c...
by ajjulee
Tue Feb 14, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Faith in Vanguard shaken after seeing wrong name on my 1099 & Statements
Replies: 28
Views: 5591

Re: Faith in Vanguard shaken after seeing wrong name on my 1099 & Statements

Well, I just checked our account, and the account is titled correctly (as it always has been). However, I just downloaded our 1099 for our brokerage account, and Vanguard seems to have made two rather significant errors that unless corrected will cost me a lot of money. They show the proceeds from ...
by ajjulee
Tue Jan 10, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 158
Views: 25455

Re: Best Financial Moves You've Made

Pretty much what everyone else has said so far. But the most important thing for me was - I always chose work/employment that I really loved, paying no attention to salary/remuneration etc., It paid to be good at my work.
by ajjulee
Sat Jan 07, 2017 3:45 pm
Forum: Personal Investments
Topic: Disadvantage of Tax loss harvesting
Replies: 65
Views: 5729

Re: Disadvantage of Tax loss harvesting

If I had accumulated $150k tax loss credits, I would undertake a very critical analysis of my purchasing criteria.........Gordon I'm sure lots of people were undertaking a very critical analysis in March 2009. Hmm… or maybe ‘ very few ’ people were undertaking a very critical analysis in March 2009...
by ajjulee
Sat Dec 24, 2016 4:58 pm
Forum: Personal Consumer Issues
Topic: Why is actual raw sugar hard to find?
Replies: 34
Views: 4582

Re: Why is actual raw sugar hard to find?

It's also worth checking health benefits of Jaggery( or Jaggry?) vs. refined sugar. Seems unlikely to me. What do you think the percentage of sucrose in panela or jaggery is? "Brown sugar" is something like 90%-96% sucrose. Whatever possible health effects the other stuff has, it can't amount to mu...
by ajjulee
Sat Dec 24, 2016 10:38 am
Forum: Personal Consumer Issues
Topic: Why is actual raw sugar hard to find?
Replies: 34
Views: 4582

Re: Why is actual raw sugar hard to find?

It's also worth checking health benefits of Jaggery( or Jaggry?) vs. refined sugar.
by ajjulee
Wed Dec 21, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Moved to the USA one year ago, how to build credit?
Replies: 12
Views: 1396

Re: Moved to the USA one year ago, how to build credit?

I don’t think this was mentioned above - assuming you are renting, you can now include your rent payment in your credit history. Check out PayLease, PayYourRent, RentTrack etc., I don’t have personal experience with any them. You can google for more info. I believe RentTrack is the simplest, You can...
by ajjulee
Wed Nov 23, 2016 7:29 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 375
Views: 83250

Re: Retreat to cash

The Conventional Wisdom (as used by Kenneth Galbraith, most often pejoratively) diktats such as ‘There is always uncertainty’, ‘Markets are efficient or All information is priced in the market’, ‘Market Timing never works’, 'this time it’s never different’, etc are only true and useful given certain...
by ajjulee
Mon Nov 21, 2016 3:23 pm
Forum: Non-US Investing
Topic: Is it a good idea to save $500 every month in NRE account if we plan to go back to India?
Replies: 5
Views: 1476

Re: Is it a good idea to save $500 every month in NRE account if we plan to go back to India?

Indian rupee has never appreciated against the dollar in the medium or long tem. I don't have any advice regarding Indian banks or investments but - Many years ago I was at a presentation where a young film maker from India was discussing the ‘Making of’ of film ‘7 days in Slow-Motion’. One of the ...
by ajjulee
Mon Nov 21, 2016 8:51 am
Forum: Non-US Investing
Topic: Is it a good idea to save $500 every month in NRE account if we plan to go back to India?
Replies: 5
Views: 1476

Re: Is it a good idea to save $500 every month in NRE account if we plan to go back to India?

Indian rupee has never appreciated against the dollar in the medium or long tem. I don't have any advice regarding Indian banks or investments but - Many years ago I was at a presentation where a young film maker from India was discussing the ‘Making of’ of film ‘7 days in Slow-Motion’. One of the ...
by ajjulee
Wed Nov 02, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Considering Buying Condo in NYC
Replies: 18
Views: 5706

Re: Considering Buying Condo in NYC

I've been tossing around the idea of purchasing a condo in NYC in Fall 2017 (when my current rental lease expires), and would love to get the thoughts of the folks on this board about whether this would be a sound financial decision for someone in my position. Some background on my personal circums...
by ajjulee
Fri Sep 30, 2016 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Should I take mortgage loan of under 3% and invest the money?
Replies: 39
Views: 6454

Re: Should I take mortgage loan of under 3% and invest the money?

Thanks everyone... I think I will leave the loan paid off then. I really appreciate all the input. I was in a situation not that different from yours (well… a bit different in income and number of rentals but a similar dilemma) a few years ago where the rental income was being taxed at a very high ...
by ajjulee
Tue Sep 20, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: Fun Vacations v. Time with Family
Replies: 38
Views: 5265

Re: Fun Vacations v. Time with Family

To those folks who think international travel is over-rated: have you ever wondered why the North Koreans think that their country is the best? This is a silly statement. OK, how about "the frog in the well thinks that his/her well is the best"? ;-) I understood an_asker's statement to mean what wa...
by ajjulee
Tue Sep 06, 2016 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Convincing spouse to sell losing investment
Replies: 58
Views: 6519

Re: Convincing spouse to sell losing investment

pennywise » Tue Sep 06, 2016 11:41 am I find this a fascinating discussion in part because it truly peels the band aid off the 'everything is one pot' faction's philosophical underpinnings along with the contingent that strongly advocates having a SAH wife. Above we have someone trying to split the...
by ajjulee
Thu Aug 18, 2016 10:34 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 251
Views: 43942

Re: Is there a such thing as a blue collar Boglehead?

And I think there are parallels to the behavior of the "poor" who attain modest wealth and the rich who get richer; and between the "poor" who stay "poor" and the wealthy who become "poor". Do you think the factors/reasons that cause wealthy to become poor are a subset of the factors/reasons that c...
by ajjulee
Thu Aug 18, 2016 10:07 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 251
Views: 43942

Re: Is there a such thing as a blue collar Boglehead?

ironically a lot of the ideas here that apply to the super rich here apply to low income folks too. I'm sorry but I have to disagree here. The super rich whose generational wealth is maintained and increased, usually by companies & firms, have it very different. Unfortunately, the current reward sy...
by ajjulee
Wed Aug 17, 2016 3:57 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 251
Views: 43942

Re: Is there a such thing as a blue collar Boglehead?

ironically a lot of the ideas here that apply to the super rich here apply to low income folks too. I'm sorry but I have to disagree here. The super rich whose generational wealth is maintained and increased, usually by companies & firms, have it very different. Unfortunately, the current reward sy...
by ajjulee
Mon Aug 15, 2016 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 304
Views: 59047

Re: Self-made Millionaires: how did hitting 7 figures change you?

While there's the obvious comfort of knowing my wife and eventual children won't starve (absent my being wildly irresponsible, or WWIII), it's also provoked the sort of existential soul-searching that I think comes with arriving at any important destination. It's now crystal clear to me that I'm un...
by ajjulee
Thu Jul 21, 2016 8:22 am
Forum: Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 13430

Re: Just got back from Europe...ready to sell my International...

There were a few times I lost when I bet against smart people, rational authorities. Experts who don’t always buy the conventional wisdom that ‘markets are efficient’, or that ‘real estate will never go down’ etc., So, if the OPs observations are borne out of research, and supported by evidence, the...
by ajjulee
Mon Jul 18, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: Who do you not tip, and why?
Replies: 57
Views: 7636

Re: Who do you not tip, and why?

In New York, the minimum wages for Tipped employees is $2.13* an hour. In California it's $10. So how does it work for people who travel/eat between New York and CA? Tip 20% in NY and less than that in CA for good service? Or 20% both in NY and CA ? Maybe give the NY waiters a tip about moving to CA...
by ajjulee
Mon Jul 18, 2016 2:38 pm
Forum: Personal Investments
Topic: Distribution Elections for Non-Qual Deferred Comp Plan
Replies: 9
Views: 1425

Re: Distribution Elections for Non-Qual Deferred Comp Plan

In my specific situation, I plan to leave a current employer that, in my opinion, has low risk of bankruptcy and my upcoming annual income will be substantially high. I do not want to incur any further tax, thus not planning to take distribution in at least 15 years. Is it wise and possible to ask ...
by ajjulee
Mon Jul 18, 2016 12:27 pm
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 196
Views: 31451

Re: The Big Short

Re: The Big Short Postby alfaspider » Mon Jul 18, 2016 10:50 am Personally, I didn't particularly care for the movie. My main problem with it is that, like many accounts of the financial crisis (and I suppose Hollywood in general), it was too preoccupied with finding heroes and villains. To start, ...
by ajjulee
Sun Jun 12, 2016 7:44 am
Forum: Investing - Theory, News & General
Topic: Crazy housing market
Replies: 77
Views: 13545

Re: Crazy housing market

The data from Shiller (and also see Neil Monnery's book) is that housing prices do not beat inflation in the long run, or only marginally. For the longest series of good data (Herengracht Canal in Amsterdam since the 1630s) housing prices have not grown in real terms-- long periods of run up are fo...