Search found 468 matches

by Blueskies123
Wed Jan 16, 2019 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Muni ETF or T-bill in taxable?
Replies: 5
Views: 254

Re: Muni ETF or T-bill in taxable?

I take risk with my stocks and only want Tbills or treasuries in my bones. Some municipals can be very risky.
by Blueskies123
Wed Jan 16, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: When/why have you needed customer service from Fido, VG, Schwab etc.?
Replies: 24
Views: 1020

Re: When/why have you needed customer service from Fido, VG, Schwab etc.?

My most recent call to them was to ask: 1) If I sell an ETF right now when can I use the proceeds to purchase another ETF without incurring margin interest expense? 2) I was going to purchase some bonds and I saw a bunch of slightly different purchase prices based on the quantity I wanted to purchas...
by Blueskies123
Thu Jan 10, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Cleaning Car Battery Terminals
Replies: 26
Views: 1537

Re: Cleaning Car Battery Terminals

JohnF wrote:
Thu Jan 10, 2019 12:53 pm
Next time buy an AGM battery … no corrosion.
Twice the price and it does not last any longer than a regular battery. Ask how I know.
by Blueskies123
Thu Jan 10, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Cleaning Car Battery Terminals
Replies: 26
Views: 1537

Re: Cleaning Car Battery Terminals

If you remove the positive cable to clean the corrosion, then coat the clean terminal with a small amount of petrolium jelly and be sure to properly tighten the terminal clamp. Excessive corrosion at the positive terminal is a sign of overcharging, so you might also check the fluid level if your ba...
by Blueskies123
Wed Jan 09, 2019 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Is it worth buying an global fund if the expense ratio is .82
Replies: 8
Views: 669

Re: Is it worth buying an global fund if the expense ratio is .82

Do you have any other accounts that have money you could move into a low-cost international ETF or fund? The fund you mentioned has done well in the past but had a bad 2018 vs the benchmark.
by Blueskies123
Wed Jan 09, 2019 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: How do I buy gold?
Replies: 55
Views: 3545

Re: How do I buy gold?

"I don't understand why people who bash gold automatically assume that gold holders are preparing for an apocalypse. It's like all or nothing -- a binary view of either being completely fine or an apocalypse where people are out to kill you. What is the deal with that? " Putting 20% of your portfoli...
by Blueskies123
Wed Jan 09, 2019 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: How do I buy gold?
Replies: 55
Views: 3545

Re: How do I buy gold?

Going back to the original post where the individual asked about 20% of their portfolio in gold, then the only practical option if the GLD fund, cheap and easy to buy. If you extrapolate the question into a discussion about the apocalypse or Venezuela then a few percent of your portfolio in gold coi...
by Blueskies123
Tue Jan 08, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12545

Re: Recommendations for a 9mm handgun

Home - Glock 17 with light Carry - Glock 19 I went through this a few years ago and true my nature I way over analyzed the question spending hours doing research. I ended up with the Glock 17 for home defense. The 19 is bigger which makes for a more stable gun but almost all situations where you ac...
by Blueskies123
Wed Jan 02, 2019 8:09 am
Forum: Personal Consumer Issues
Topic: Using less plastic
Replies: 69
Views: 1850

Re: Using less plastic

Jill07 wrote:
Wed Jan 02, 2019 8:07 am
When possible, hang clothes on line or drying rack & avoid the dryer. That will save a lot of electricity! Even if you can't avoid using the dryer completely, every bit will help. You will notice a difference in your electric/gas bill too.
Take shorter and or cooler showers.
by Blueskies123
Wed Jan 02, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Using less plastic
Replies: 69
Views: 1850

Re: Using less plastic

It's the new year and I've finally decided to bring my own cloth grocery bags from now to the stores. It was surprisingly pleasant. Cloth handles are much nicer to carry, fit more, and doesn't add more to my time shopping. What other easy environmentally-friendly things do you do that I might be ab...
by Blueskies123
Mon Dec 31, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Bookshelf speakers under $300
Replies: 81
Views: 3399

Re: Bookshelf speakers under $300

anonenigma wrote:
Wed Dec 26, 2018 7:37 pm
Worth checking the bargain range of Stereophile's Recommended Components:

https://www.stereophile.com/content/rec ... udspeakers
I wonder if the ones for $84,000 would require a portfolio rebalance?
by Blueskies123
Wed Dec 26, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7282

Re: Nice jeans for work with lowest average cost of ownership

I see some people only wash their jeans a few times a year?? For the nice jeans that I wear to work or social events, I dry clean them. Then they become everyday jeans that go in the wash on delicate with Woolite. Then they become yard jeans or home depot shopping jeans which go in the regular wash.
by Blueskies123
Tue Dec 25, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Utilities have fallen 10% while bonds are up. This makes no sense to me.
Replies: 11
Views: 2418

Re: Utilities have fallen 10% while bonds are up. This makes no sense to me.

Bonds are valued based on the present value of their interest payments. Utility stocks are based on the present value of their current dividend payment plus the expected growth (or in some rare cases reduction) in that dividend stream much like all other stocks. While utility stocks may have less pr...
by Blueskies123
Mon Dec 24, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: How to invest in TIPS if you don't need the money at a specific date?
Replies: 40
Views: 2058

Re: How to invest in TIPS if you don't need the money at a specific date?

[/quote] Don't like TIPS inside my tIRA for two reasons: I have to pay taxes on the withdrawals, which amounts to being taxed on inflation, and I have to take RMDs from the tIRA which means I either have to put some liquid funds aside for that or cash out portions of the TIPs to do that. I'll have a...
by Blueskies123
Mon Dec 24, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Is there a Nassim Taleb portfolio?
Replies: 38
Views: 4330

Re: Is there a Nassim Taleb portfolio?

No, he has said multiple times he does not talk about his own trades. If you read his books or google him you can find out what he means by bar-bell strategies but you have to make your own picks.
An example might treasuries balanced by aggressive stocks.
by Blueskies123
Fri Dec 21, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: What to do with strange USPS Priority Mail
Replies: 14
Views: 2015

Re: What to do with strange USPS Priority Mail

I would open it outside and wear clothes you do not need. Maybe even safety glasses in case it is a glitter bomb or stink bomb from someone you offended or as others have said - incorrectly addressed.
by Blueskies123
Tue Dec 18, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: I feel cheated, saved too much in 401K vs cash.
Replies: 74
Views: 10050

Re: I feel cheated, saved too much in 401K vs cash.

While I was working my itemized deductions were being phased out, I was paying the net investment tax, Medicare tax surcharge and worst of all Alternative Minimum Tax. I am in the lowest tax bracket now.
by Blueskies123
Sun Dec 16, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contra Fund
Replies: 24
Views: 2091

Re: Fidelity Contra Fund

This was one of the very first funds I ever invested in 30 years. You can see why I kept it: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2018&lastMonth=12&calendarAligned=true&endDate=12%2F15%2F2018&initialAmount=10000&annualOperation=0...
by Blueskies123
Wed Dec 12, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: CD vs Treasury Spread
Replies: 3
Views: 445

Re: CD vs Treasury Spread

If you are with Fidelity then they show this information
by Blueskies123
Tue Dec 11, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Home improvements and taxes
Replies: 9
Views: 968

Re: Home improvements and taxes

There is no tax on your first $250K of capital gains ($500K if you are married filing jointly). This isn't something I worry about. A lot of people are going to easily have this kind of capital gain after living decades in their house. I keep invoice and receipts for everything. Be careful of fadin...
by Blueskies123
Tue Dec 11, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22066

Re: What percentage of your net worth is your home equity?

My house is paid off. I do not think of my house as part of my portfolio. I cannot spend it to buy food, I would have to move.
by Blueskies123
Sun Dec 09, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: 0% Long Term Capital Gain rate?
Replies: 22
Views: 3051

Re: 0% Long Term Capital Gain rate?

You may have zero capital gains taxes but the income still counts against ACA subsidies.
by Blueskies123
Tue Dec 04, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Why Is Insurance Worth It (Analytically)?
Replies: 89
Views: 4366

Re: Why Is Insurance Worth It (Analytically)?

In order to succeed, you must first survive.—Warren Buffett
by Blueskies123
Mon Dec 03, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Gift tax question
Replies: 175
Views: 6911

Re: Gift tax question

NavyIC3 wrote:
Wed Nov 28, 2018 10:46 am
How does the IRS even know that a loan or gift took place? Who notifies them?


All banking transactions over $10K are reported to the IRS. If you have something else in your taxes that might increase your chance for an audit they will ask about the $130K deposit.
by Blueskies123
Sun Dec 02, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 20984

Re: Best values at Costco? Honestly, a little disappointed...

champion_ham wrote:
Sun Dec 02, 2018 12:09 pm
Here are a few items we consistently purchase at Costco:

Gas, paper towels, toilet paper, garbage bags, $1.50 hot dog, wine, chicken, etc., etc.
Their chicken is probably the best deal. $5 for a turkey-sized chicken already cooked. Gasoline is also their best deal if you have one with gas.
by Blueskies123
Sat Dec 01, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10793

Re: Why is Costco gas so much cheaper

I am saving a dollar almost per gallon lately, up to the tune of $20 every full fill. This is such a great deal! why is that so? talk about free lunches.. I will end up saving almost $1000 a year at this rate :sharebeer By now I assume you have realized your calculations are wrong or you have been ...
by Blueskies123
Sat Dec 01, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Considering residential real estate investment
Replies: 74
Views: 5333

Re: Considering residential real estate investment

Looking at your numbers you will only net 5.85% per year before taxes. No that is a bad deal an by the way you are way underestimating maintenance. What about plumbing problems? painting? replace the carpet? advertising? bad debts? bad tenants? general broken stuff?
by Blueskies123
Thu Nov 29, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Why you might want to reconsider buying a vehicle with direct fuel injection
Replies: 48
Views: 4276

Re: Why you might want to reconsider buying a vehicle with direct fuel injection

[/quote]

Does a catch can offer value on a system with both direct and port fuel injection?
[/quote]

Unless you floor the accelerator a lot the answer is no. It does provide some benefit but your question was about value not some minor amount of benefit.
by Blueskies123
Wed Nov 28, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Marijuana [Stock]
Replies: 50
Views: 4644

Re: Marijuana

You really need to listen to this podcast on asset bubbles, it is very good in general but spends a lot of time on marijuana stocks, and how to spot asset bubbles. https://moneyfortherestofus.com/226-spot-bubble/ Academics at Research Affiliates have defined asset bubbles as, “a circumstance in whic...
by Blueskies123
Fri Nov 23, 2018 12:29 am
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9249

Re: Networth to buy a dual turboprop aircraft?

I know a yacht dealer, he said maintenance, fuel, insurance, dock or hanger will run 10% of purchase price or for a 5MM aircraft $250K a year. Purchase price should be less than 5% of sellable assets. So for a $1MM aircraft, you should have $20MM.
by Blueskies123
Wed Nov 21, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Now the Time for TIPS Fund VIPSX?
Replies: 12
Views: 1272

Re: Now the Time for TIPS Fund VIPSX?

This got a lot discussion a few months back and convinced me to increase my allocation to TIPS.

https://www.etf.com/sections/swedroe-ti ... nopaging=1
by Blueskies123
Wed Nov 21, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Now the Time for TIPS Fund VIPSX?
Replies: 12
Views: 1272

Re: Now the Time for TIPS Fund VIPSX?

donaldfair71 wrote:
Wed Nov 21, 2018 8:13 am
PFInterest wrote:
Wed Nov 21, 2018 8:04 am
the SEC yield on VIPSX is 0.93%.
I believe this is the real return of the fund though, correct? I remember reading that Vanguard uses SEC yield to reflect real return, while baking in the inflation portion into that 3.24 total ytm.


I believe you are correct.
by Blueskies123
Mon Nov 19, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Clark Howard - Sign Up For USPS Informed Delivery
Replies: 17
Views: 3087

Re: Clark Howard - Sign Up For USPS Informed Delivery

I got a letter in the mail with a special code. I entered the code and had instant access.
by Blueskies123
Sat Nov 17, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5507

Re: fuel for snowblower

[/quote] We store a fairly significant quantity of fuel in our garage for our generator. It's not a problem with local code, and our home owner's insurance company is fine with it too. [/quote] So do I from time to time but make sure you have adequate ventilation in your garage. Gasoline fumes are h...
by Blueskies123
Tue Nov 13, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Florida BCBS through ACA: experiences/reviews
Replies: 10
Views: 728

Re: Florida BCBS through ACA: experiences/reviews

I have had BCBS in the last 3 years. None of my doctors were on the Select HMO but all of them were in the Options PPO. I have had two knee surgeries and two shoulder surgeries and had zero problems with BCBS, however, the Options version is incredibly expensive without subsidies. The Select is much...
by Blueskies123
Mon Nov 12, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance- When is it necessary?
Replies: 15
Views: 1313

Re: Flood Insurance- When is it necessary?

Storm damage is not covered by flood insurance. Only flood damage is covered by flooding and it is carefully defined in the insurance documents. Has your area ever flooded? Would you know if there were floods in the last 200 years? A lot of new development will make areas flood that have not flooded...
by Blueskies123
Wed Nov 07, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market vs. Bonds/CDs
Replies: 6
Views: 1102

Re: Prime Money Market vs. Bonds/CDs

Many of us have gone through this same thought process. There are numerous discussions threads. Many call it timing and say it is a mistake but many have shortened their duration. If there is a recession in the next year or two your MM fund will pay less interest and bonds should go up in value. The...
by Blueskies123
Wed Nov 07, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 7911

Re: Move savings to Prime Money Market Fund (VMMXX)

PMM is 67% Yankee bonds: https://investor.vanguard.com/mutual-funds/profile/VMMXX Here is a thread that explains what a Yankee bond is : https://www.bogleheads.org/forum/viewtopic.php?t=86187 Your online savings account is FDIC guaranteed as you said, this account is not FDIC guaranteed. As long as ...
by Blueskies123
Thu Nov 01, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: ACA - Over the cliff and back.
Replies: 2
Views: 607

Re: ACA - Over the cliff and back.

They will ask you for an explanation. You write it up and submit it on ACA.
by Blueskies123
Thu Nov 01, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 90
Views: 8716

Re: I Bond fixed rate = 0.5%

Are not TIPS yielding (real) more than 1%? Why buy IBonds?
by Blueskies123
Thu Nov 01, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: controlling retirement income for ACA threshold-457
Replies: 7
Views: 832

Re: controlling retirement income for ACA threshold-457

One other point is to have several different plans and strategies because A LOT can change in the next 5-10 years.
by Blueskies123
Thu Nov 01, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: controlling retirement income for ACA threshold-457
Replies: 7
Views: 832

Re: controlling retirement income for ACA threshold-457

What I did was that I saved as much as I could after I maxed out my 401K and HSA. For the few years before retirement, I sold off the investments I had put the money in and paid the capital gains (at favorable rates) and then lived off the fully taxed savings after I retired.
by Blueskies123
Wed Oct 31, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: How would you proceed?--car accident
Replies: 22
Views: 1828

Re: How would you proceed?--car accident

Last two times this happened to people I know the other driver said my friend drove into their lane. Good luck and be emotionally ready. There is no consequence when bad people lie, even when subsequent a video recording shows who was at fault. A bad person does not get a ticket for lying and their ...
by Blueskies123
Sun Oct 21, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Dentist "Service Fee" for Filing Insurance Claim?
Replies: 33
Views: 3285

Re: Dentist "Service Fee" for Filing Insurance Claim?

No, it not normal. Do not pay it and find another dentist.
by Blueskies123
Sat Oct 20, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4917

Re: Beer - Strong German Style Lagers

Check the calories on those beers. I have to drink light to keep my weight down.
by Blueskies123
Fri Oct 19, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on 5 year TIPS bonds?
Replies: 42
Views: 3683

Re: Thoughts on 5 year TIPS bonds?

If you buy a 5-year TIP bond you are betting that REAL interest rates are not going to rise. I have not idea what they will do, maybe they will go down in the next recession or maybe they will go up. Why 5 year and not 2 years.
by Blueskies123
Fri Oct 19, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: noisy generator
Replies: 60
Views: 4333

Re: noisy generator

by Blueskies123
Wed Oct 17, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: Treasuries safe?
Replies: 33
Views: 1731

Re: Treasuries safe?

If China were to dump $1T in treasuries it would probably cause a global panic that would be of no benefit to them. China is heavily dependent on Western importers, they're not in a position to do anything so dramatic. Like 123 said the Treasury could buy them at a discount and not have to pay all ...
by Blueskies123
Wed Oct 17, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: To replace old Volvo
Replies: 35
Views: 1517

Re: To replace old Volvo

Since you already own a high-end Volvo I assume you can afford a nice car. I suggest an Avalon or Lexus ES350. They hold their resale value and are very reliable.
Many new Volvo's are build in China.