Search found 6866 matches

by randomguy
Mon Jan 21, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 122
Views: 5286

Re: Paying thousands per ticket to attend the NFL Super Bowl?

$3,400 WOW. I had no idea people would pay that much to see a football game. I'm not a sports fan, so I wouldn't go if it was free. But $3,400... that's amazing. While we're on the subject of cruise ships, I agree with theplayer11, I'm scared of them, too top heavy, plus they say every time you tur...
by randomguy
Mon Jan 21, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs Own Assumptions
Replies: 38
Views: 1677

Re: Rent vs Own Assumptions

Homeowner Expenses: Interest over 15 years: $151,130 Profit from Buying: $519,533+$567,091-$13,500-$90,000 -$151,130 -$241,545-$27,293-$100,219-$163,757= $299,180 on initial investment (7.3% gross return) Just a comment on the methodology: Looking at interest expenses over 15 years in this way will...
by randomguy
Mon Jan 21, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs Own Assumptions
Replies: 38
Views: 1677

Re: Rent vs Own Assumptions

Your house gains will be tax free. Your investment income will be taxed. In the end though it is all about assumptions. Make 6% stock returns instead of 10% and the numbers differ. Get 2% appreciation instead of 3% and the differ. Paying .5% repair instead of 2%, they differ. Pay a 4.5% sellers fee ...
by randomguy
Sun Jan 20, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8104

Re: Divorce w/child. Spouse wants to move.

Why would she agree to compensate OP for moving across the country? I agree with others that OP should be talking to a lawyer. If he doesn't, then she certainly ought to talk to one prior to agreeing to that. Because if she doesn't compensate him, she might be living in the NE for the next 16 years...
by randomguy
Sun Jan 20, 2019 2:03 pm
Forum: Investing - Theory, News & General
Topic: What does 20% extra of portfolio allocated to equities get you?
Replies: 107
Views: 5890

Re: What does 20% extra of portfolio allocated to equities get you?

and had friends who all managed to lose money on houses despite there only be like a 24 month window in the past 30 years where that is possible. That is some horrible luck:) randomguy, << He has managed to invested in a sector tha lost tons of money, had tons of jobs losses,>> https://www.princeto...
by randomguy
Sun Jan 20, 2019 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8104

Re: Divorce w/child. Spouse wants to move.

I've made that point already in this thread. But, if they're going to draw up the divorce to agree that everyone moves to the SW eventually, maybe OP should get the child support thing in order. The whole thing is a mess, IMO, drawing up the divorce in the NE with a potential move to the SW. Maybe ...
by randomguy
Sun Jan 20, 2019 11:40 am
Forum: Investing - Theory, News & General
Topic: What does 20% extra of portfolio allocated to equities get you?
Replies: 107
Views: 5890

Re: What does 20% extra of portfolio allocated to equities get you?

If we believe the future will look something like the past, and for those planning for a 30 year time horizon in retirement, staying stock heavy until 10 years before retirement seems to be a reasonable break point between maximizing potential gains and preparing for the worst. Agree and this large...
by randomguy
Sun Jan 20, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8104

Re: Divorce w/child. Spouse wants to move.

Getting marriage counseling may be more beneficial than lawyers egging you guys on for a fight over assets. Although I agree with much of the rest of your reply, if I were a lawyer, I would be insulted. Any lawyer I ever hired was nothing but professional. If they aren't, you chose the wrong lawyer...
by randomguy
Sun Jan 20, 2019 1:01 am
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 5070

Re: Is California worth the premium?

Is California worth the premium? You have to remember 99% of California is not a beach, a funky San Francisco neighborhood, or Santa Barbara. When you are asking "Is it worth it?" you are asking an entirely different question when you are talking about if having an hour commute past strip malls in ...
by randomguy
Sun Jan 20, 2019 12:42 am
Forum: Investing - Theory, News & General
Topic: What does 20% extra of portfolio allocated to equities get you?
Replies: 107
Views: 5890

Re: What does 20% extra of portfolio allocated to equities get you?

The math clearly shows that 70/30 is pretty much the optimal AA. The only question is if you can handle the swings or not mentally. And before discounding 1 or 2% being minor do the math on what having 20% more money does when you hit retirement age. Compare the safety of 4% to 3.3%. What math are ...
by randomguy
Sat Jan 19, 2019 9:12 pm
Forum: Investing - Theory, News & General
Topic: What does 20% extra of portfolio allocated to equities get you?
Replies: 107
Views: 5890

Re: What does 20% extra of portfolio allocated to equities get you?

I agree with klangfool here, and IMO the best stock/bond risk factors are 30/70 to 50/50. I believe this allocation is best for everyone whether you are 25 or 86. The math clearly shows that 70/30 is pretty much the optimal AA. The only question is if you can handle the swings or not mentally. And ...
by randomguy
Sat Jan 19, 2019 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8104

Re: Divorce w/child. Spouse wants to move.

I read the question as how much should I get paid to move? Kind of reads like how much will you pay me to continue to see my child? Without knowing the rest of the situation this is really a crappy selfish kind of thing to ask. Regardless, not enough info. I'd suggest professional legal advice. Is ...
by randomguy
Sat Jan 19, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8104

Re: Divorce w/child. Spouse wants to move.

Thanks Homer. How does future raise not mean anything? Its a fed job, and in the set up of my work, it is virtually guaranteed grade increase. We married and had child in northeast city, where we all currently live. Legally, I don't think spouse can decide and move to southwest city. Spouse is mise...
by randomguy
Sat Jan 19, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Used electric car - a good deal?
Replies: 28
Views: 1529

Re: Used electric car - a good deal?

During the winter time, the range is noticeably decreased (maybe by 10 or 20%? It's hard to be sure). This is partially due to the energy cost of running the heater to defog the windshield, but I don't think it is entirely explained by that... Air at 32F is about 10% denser than air at 80F. At lowe...
by randomguy
Sat Jan 19, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: Used electric car - a good deal?
Replies: 28
Views: 1529

Re: Used electric car - a good deal?

I did not know that used ones were going that cheap. That is what, about 50-75% depreciation in the first 3 years! Because of the various incentives, the net new price of these vehicles was far below MSRP. Taking that into consideration the real depreciation is much less than it would otherwise app...
by randomguy
Sat Jan 19, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Used electric car - a good deal?
Replies: 28
Views: 1529

Re: Used electric car - a good deal?

^^Exactly. Electric motors have been around longer than internal combustion engines. The motors themselves are rather simple. (Sure, there's a lot of electronics behind running it...) Sure. None if that cganges the fact that Teslas are one of the most unreliable cars on the road. There is a kot to ...
by randomguy
Fri Jan 18, 2019 11:42 pm
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 41
Views: 3164

Re: Car reviews - Consumer Reports or other sources?

Lastly, be aware that the reliability data is skewed by sample selection. The data is harvested by questioning CR subscribers about the reliability of their vehicles, not by questioning the general public nor reviewing repair data industry wide. As a result, you get "confirmation bias" in the data....
by randomguy
Fri Jan 18, 2019 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 93
Views: 6813

Re: Should I buy a house in the Bay area or give up?

I grew up in a house that’s built in the late 50s, a bit smaller than 1500 sqft, I don’t want to live in the kind of house. My husband has friends in both Palo Alto and Menlo Park, their properties didn’t go up that much more than ours, maybe the Palo Alto went up a bit more but it’s bigger than 17...
by randomguy
Fri Jan 18, 2019 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 93
Views: 6813

Re: Should I buy a house in the Bay area or give up?

Now for caution: I expect Silicon Valley to "blow up" at some point. What will happen when people can't get their car serviced in the valley? (Because mechanics and repair shops can't afford the valley.) How about when Big Macs are $20? (Because the workers have to be paid $30/hr.) What will happen...
by randomguy
Thu Jan 17, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 93
Views: 6813

Re: Should I buy a house in the Bay area or give up?

I wouldn't live in an area where rent was more than 1/3rd of my salary. Do you mean "I wouldn't live in an area where rent was more than 1/3rd of my gross salary " or "I wouldn't live in an area where rent was more than 1/3rd of my after tax salary. So making 100k and paying 29k in rent is ok but m...
by randomguy
Thu Jan 17, 2019 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 15991

Re: Why are your NOT buying rental properties?

Lets assume a modest 4% appreciation per year and your tenants pay for all expenses (mortgage, property tax, fixes, property manager, etc). Those are not modest assumptions, I would classify them as "pie in the sky". Those kind of numbers have almost zero chance of playing out that way after 10 yea...
by randomguy
Wed Jan 16, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 41
Views: 3164

Re: Car reviews - Consumer Reports or other sources?

Just wondering how seriously to take the CR. Thanks They are as good as anyone but you have to realize their biases. They are big on reliable cars. Caranddriver tends to focus on good driving cars. And so on. You also need to understand what various stats mean. The difference between say the 5th br...
by randomguy
Wed Jan 16, 2019 12:04 pm
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7391

Re: When would you stop being a Boglehead?

Tax issues on a $10 million portfolio would be about the only aspect that would vary from what I do right now. I keep reading this, but I'm not entirely sure what it concretely means. I have a pretty significant portfolio myself but, aside from picking tax-efficient funds, I don't do anything speci...
by randomguy
Wed Jan 16, 2019 10:36 am
Forum: Investing - Help with Personal Investments
Topic: When to use Roth 401k
Replies: 22
Views: 1669

Re: When to use Roth 401k

Based on 240k salary, I think you are in the 24% tax bracket. In order for either a Roth 401k contribution or a Roth conversion to make sense for you now, you should be believing that your post retirement withdrawals will end up in the same tax bracket. That would mean an annual withdrawal of at le...
by randomguy
Wed Jan 16, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 176
Views: 10463

Re: Are You Dumping Netflix?

Netflix announced today that they will be increasing their subscription rates. The basic plan will increase 12.5% (from $7.99 to $8.99). The standard plan will increase 18.2% (from $10.99 to 12.99). The top-tier plan will increase 14.3% (from $13.99 to $15.99). We have been considering getting a fi...
by randomguy
Wed Jan 16, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7391

Re: When would you stop being a Boglehead?

At a high enough level of net worth, it's worth owning the individual stocks composing the S&P 500 instead of an index fund. Both for cutting out a couple basis points of expenses, and for the flexibility of donating appreciated securities to a donor advised fund and rebuying them with new cash at ...
by randomguy
Tue Jan 15, 2019 11:10 pm
Forum: Investing - Theory, News & General
Topic: Betterment's Egan Cashflow
Replies: 7
Views: 571

Re: Betterment's Egan Cashflow

Man that is complicated. I guess that appeals to some people but I like simple methods. Buy what I need. End of the month transfer the overflow to the portfolio. Why complicate life?
by randomguy
Tue Jan 15, 2019 11:04 pm
Forum: Investing - Theory, News & General
Topic: "College Endowments Badly Trail The Market"
Replies: 18
Views: 1946

Re: "College Endowments Badly Trail The Market"

Bogleheads: We often hear how college endowment funds enjoy superior returns. However, this recent study by Georgetown University and NYU's Stern School of Business found: Endowments badly underperform market benchmarks, with median annual returns 5.53 percentage points below a 60-40 mix of U.S. eq...
by randomguy
Tue Jan 15, 2019 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: My Withdrawal Strategy - Poke holes in it
Replies: 18
Views: 2104

Re: My Withdrawal Strategy - Poke holes in it

I'm looking at a 45 year horizon or more for retirement and looking for feedback on my overall strategy. My overall plan: - I plan on taking no more than 4% from my portfolio each year. At this point, I don't plan on adjusting for Inflation each year. We'll see. - My order of tapping the accounts (...
by randomguy
Tue Jan 15, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Change my mind - Lease > Buy New Car
Replies: 23
Views: 1959

Re: Change my mind - Lease > Buy New Car

When you lease a car you have to return it when the lease is done. In other words the depreciation is 100%. There is no selling (for you). I'm bad at parsing the #s you posted. But you have to decide if the lower (?) monthly payments of a lease is worth having nothing at the end of it. If you buy a...
by randomguy
Tue Jan 15, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 176
Views: 10463

Re: Are You Dumping Netflix?

H-Town wrote:
Tue Jan 15, 2019 7:23 pm

No.

It's a small change. Don't you get pay raise at least due to inflation? Why can't Netflix get a raise?
Changes like this are more of a reason for people to look at spending and then to decide if they are getting 150 bucks worth of value still or they are just subscribing because of habit.
by randomguy
Tue Jan 15, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6585

Re: A co-worker makes more than me

After the reorg, there were two of us at one level. We were rated against our peers, so each year my bonus was the max and hers was not. Why? Because I rated higher. That's life. And did you rate higher because you were better or because were a male?😀 Obviously no clue about your work environment/j...
by randomguy
Tue Jan 15, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: Would like some advice on a family minivan
Replies: 17
Views: 1082

Re: Would like some advice on a family minivan

I was thinking of going with a 2015 Honda Oddysey, mostly because of safety ratings. I was wondering if minivans followed the 3-year markdown rule of thumb. What is the "three year markdown rule of thumb"? In any case there should be no real rule of thumb. Used car price is driven by market demand....
by randomguy
Tue Jan 15, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2753

Re: School staff threatened to call social worker

For all we know they are required legally to call CS or it is standard policey with that much missed time. You call it a threat but it is probably more of a simple statement of what happens. Odds are nothing will come of it (Cs isnt trying to seperated kids and parents) but it will be a total headac...
by randomguy
Tue Jan 15, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Large SUV
Replies: 75
Views: 6413

Re: Large SUV

If you're looking in the Luxury full-size class (which is where the XC90 sits), you should definitely check out the Audi Q7, and probably the Mercedes GLE. The Lexus GX (shares some DNA with the 4Runner) is an absolute tank, but isn't really class-competitive since it's ten years old, and the LX (b...
by randomguy
Mon Jan 14, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9749

Re: Disciplined with finances, but not so with diet

This whole debate is crazy. Without the discipline none of it matters. The OP says he has no discipline. With all the disparate views posted here he may only see it as a diversion to actually starting to work on his weight loss. OPs original post has to do with discipline and the replies have not f...
by randomguy
Mon Jan 14, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9749

Re: Disciplined with finances, but not so with diet

Any bogleheads any diet wisdom? I've always been disciplined with saving money but can't seem to apply the same discipline to my diet. I have tried weight watchers, Jenny Craig, beach body, keto, my fitness pal...I lack discipline and get hungry. Just this week I decided to start eating the same th...
by randomguy
Mon Jan 14, 2019 3:35 pm
Forum: Investing - Theory, News & General
Topic: GMO's 7‐Year Asset Class Real Return Forecasts
Replies: 29
Views: 1871

Re: GMO's 7‐Year Asset Class Real Return Forecasts

Annualized 7 year returns for Emerging Markets went from -2% to +4.7% in one year? Seems odd. Makes sense. Imagine the difference between 1 year of -20% and 6 years of 4% returns and 7 years of 5% returns. Now that we had a bad year, the bull market can start up:) The issue isn't so much the GMO be...
by randomguy
Mon Jan 14, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: 2019 Camry vs RAV4
Replies: 39
Views: 3590

Re: 2019 Camry vs RAV4

Camry has a $1000 rebate currently. You should be able to buy it for below invoice price. RAV 4 is probably going to sell for close to full sticker price until demand settles out a bit as it is brand new for 2019. 2019 rav 4 are 1000 bucks off already. Camry is like 2500. 2018 of both are much chea...
by randomguy
Mon Jan 14, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9749

Re: Disciplined with finances, but not so with diet

For people who track calories, how do you handle foods where there's no reliable way to know how many calories there are? Occasionally I get motivated to track my calories, but then I immediately hit a food where I can't tell, and I get frustrated. Example: For lunch I want to have a serving of an ...
by randomguy
Mon Jan 14, 2019 11:52 am
Forum: Investing - Theory, News & General
Topic: U.S. economy could slip from top spot in 2020 and keep slipping
Replies: 25
Views: 1860

Re: U.S. economy could slip from top spot in 2020 and keep slipping

More then interesting about the slope of change from the 1990 to even now is actually how consistent Japan has been in GDP growth over this ENTIRE time yet there stock market stays in shambles. Not an economists, but that doesn't seem to jive. Whats the story with that one? Also, how bad U.K. has b...
by randomguy
Mon Jan 14, 2019 11:33 am
Forum: Investing - Theory, News & General
Topic: Kitces - Retirement Tax Rate Equilibrium
Replies: 23
Views: 3437

Re: Kitces - Retirement Tax Rate Equilibrium

Got to love an example of a couple worth 7.8 million who is only spending 120k/year:) But lets look at the problem a) 7 million in taxable. Bonds generate 126k, qdivs of 56k, capital gains turnover of 168k b) IRA of 800k with RMDs of 39k Anyone think it is really odd that they are spending any time ...
by randomguy
Mon Jan 14, 2019 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Am i missing anything else - ran numbers for doing Roth 401 vs 401k in low bracket
Replies: 7
Views: 622

Re: Am i missing anything else - ran numbers for doing Roth 401 vs 401k in low bracket

Please review, I am trying to see is it OK / good to divert a small % to Roth 401k at my low bracket So it seems to add 6K to my roth 401k it costs $60 extra in taxes per month, when comparing both 1st and 2nd scenarios. Thoughts? Any tax credits or the like that are affected by MAGI (savers, child...
by randomguy
Mon Jan 14, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Rewards Visa -- predatory lending?
Replies: 38
Views: 4357

Re: Amazon Rewards Visa -- predatory lending?

Isn't this the way that every credit card out there works? Obviously I haven't read all their TOS, but the ones I have charge interest on new purchases if you carry a balance. Not sure if there is really anything here to get upset about this particular card.
by randomguy
Sun Jan 13, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: Large SUV
Replies: 75
Views: 6413

Re: Large SUV

The safety of a vehicle is not measured in tons. Unibody vehicles (like minivans) generally hold up better in crashes than body-on-frame vehicles like pickups and the full-size SUVs you name. And the vastly superior handling and lower center-of-gravity of a Odyssey compared to a Suburban make it le...
by randomguy
Sun Jan 13, 2019 9:07 pm
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 392
Views: 35711

Re: I don't understand the case for EE bonds

By your logic nobody would buy treasuries yet they are purchased at high volume every month. Again, EE bonds and Treasuries are apples and oranges in the bond world. How many of the entities, organization and individuals, buying long-term Treasuries right now will hold those bonds to maturity? Only...
by randomguy
Sun Jan 13, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9749

Re: Disciplined with finances, but not so with diet

Based on a recent study, a BMI in the range 22.5 to 25 minimizes mortality. If 15 pounds puts you below 25 then it's more than you need to minimize mortality. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3806201/ I read the article and some of its references and I did not come away with the conclus...
by randomguy
Sun Jan 13, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Another Home Affordability Thread
Replies: 31
Views: 3601

Re: Another Home Affordability Thread

I haven't seen where you show your expenses. My knee jerk reaction was your net seems on the low side with that income, which raises the question of expenses. How much are you spending and what will you be spending? As for the comment above about "you really only need a 2500 ft2 house", I find thos...
by randomguy
Sun Jan 13, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9749

Re: Disciplined with finances, but not so with diet

3-20Characters is correct- oil is the culprit not healthy carbs. In Dec of 2012 I got tied up for 20 min on the phone with a registered nurse – this was a nurse that our health insurance provided to call and check how my husband–who was pre-diabetic at that time– was doing. very frustrating call. S...
by randomguy
Sun Jan 13, 2019 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs traditional 401k
Replies: 19
Views: 644

Re: Roth vs traditional 401k

Very much appreciate the help. Can either of you explain to me as a novice, why it wouldnt behoove me to avoid paying taxes on the growth of the investment, provided I am so far from retirement (25-30 years), and the amount withdrawn will certainly be much more than what I am putting in now. Cause ...