Search found 644 matches

by Blueskies123
Thu Jun 18, 2020 11:01 am
Forum: Personal Finance (Not Investing)
Topic: How to approach my realtor about interest in short sale
Replies: 4
Views: 293

Re: How to approach my realtor about interest in short sale

Emphasis - Get some that has done several of them before. Buying a short sale can me very different from a regular sale.
by Blueskies123
Mon Jun 15, 2020 12:26 pm
Forum: Personal Consumer Issues
Topic: Weber Genisis II grill grates
Replies: 19
Views: 1693

Re: Weber Genisis II grill grates

Get one of these and use it with the flames on and hot:

https://www.amazon.com/JapanAmStore-Sta ... den&sr=1-1
by Blueskies123
Sun Jun 14, 2020 4:37 pm
Forum: Investing - Theory, News & General
Topic: What are your thoughts on the "Golden Butterfly" portfolio?
Replies: 376
Views: 54260

Re: What are your thoughts on the "Golden Butterfly" portfolio?

Forester wrote:
Sun Jun 14, 2020 7:32 am
I think of Gold as the release valve for bond failure. It's hard to imagine stocks, bonds, gold all being relatively expensive at the same moment in time.
You mean like RIGHT NOW!
by Blueskies123
Sun Jun 14, 2020 4:27 pm
Forum: Personal Investments
Topic: Is GLD worth it?
Replies: 14
Views: 1721

Re: Is GLD worth it?

Copied this from Reddit: Depends what you want. GLD has $42.5 Billion under assess and is more liquid. Annual cost is .4% ($40 per $10k invested) GLDM has $1 Billion under assets so its less liquid and there’s no options in it. But it’s annual cost is %.18 ($18 per $10k invested). They both mirror t...
by Blueskies123
Wed Jun 10, 2020 2:36 pm
Forum: Personal Consumer Issues
Topic: I think I need a new computer
Replies: 135
Views: 7061

Re: I think I need a new computer

Read the reviews on PC magazine and PC world.
by Blueskies123
Wed Jun 10, 2020 2:33 pm
Forum: Personal Consumer Issues
Topic: How to be informed but tune out the noise?
Replies: 26
Views: 1785

Re: How to be informed but tune out the noise?

Pick a few news outlets that you trust and check them once per day. Don't go back until 24 hours have passed. That is the problem. After the loss of the fairness doctrine, there are no trustworthy news outlets. Some are worse than others. https://en.wikipedia.org/wiki/FCC_fairness_doctrine The best...
by Blueskies123
Mon Jun 08, 2020 5:29 pm
Forum: Personal Investments
Topic: Vanguard GNMA for emergency fund?
Replies: 8
Views: 809

Re: Vanguard GNMA for emergency fund?

It depends on how you define an emergency fund. GNMA funds do seem to go down a little for a short period of time in stock market crashes but they recover in a few weeks. If you define an emergency fund as something to keep extra cash in that you might need in a year or two and when it comes time to...
by Blueskies123
Sat Jun 06, 2020 8:47 am
Forum: Investing - Theory, News & General
Topic: LT Tips vs LT Treasury
Replies: 17
Views: 1133

Re: LT Tips vs LT Treasury

Steve Reading, your example works because you are setting the coupon to zero. Work your example again with a TIP bond coupon of say, 5%. What you will find is that as unexpected inflation occurs your bond goes down in value as bond buyers expect a higher coupon. Any TIP bond with a coupon will go do...
by Blueskies123
Thu Jun 04, 2020 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Cap One 360 Offer - $450 - ??
Replies: 9
Views: 896

Re: Cap One 360 Offer - $450 - ??

This fine print is a little vague to me: When will I get my bonus? Capital One will deposit the bonus into your 360 Money Market account within 60 days following September 28, 2020. If your account is in default, closed, suspended, or otherwise not in good standing, you will not receive the bonus. W...
by Blueskies123
Thu Jun 04, 2020 6:37 am
Forum: Investing - Theory, News & General
Topic: Gold vs bonds
Replies: 72
Views: 4032

Re: Gold vs bonds

This article by Larry Swedroe was enlightening and explains why he does not think gold does much for diversification. https://www.etf.com/sections/index-investor-corner/swedroe-dont-be-distracted-golds-glitter?nopaging=1 One of the best parts is where he says gold only keeps up with inflation over v...
by Blueskies123
Wed May 27, 2020 3:53 pm
Forum: Personal Consumer Issues
Topic: Windows 10 and Your Phone App - Banks texting login codes - Security
Replies: 1
Views: 180

Re: Windows 10 and Your Phone App - Banks texting login codes - Security

I would think it does weaken your security. If you somehow did something to get some kind of spyware that could see your computer screen they could see your code.
by Blueskies123
Tue May 12, 2020 10:20 am
Forum: Personal Finance (Not Investing)
Topic: How to consider home improvement expenses
Replies: 25
Views: 1340

Re: How to consider home improvement expenses

I consider them expenses as far as my budget goes but make sure to keep your receipts, you might be able to add those costs to the basis of your house if and when you ever sell the house. There are lots of exceptions and rules so do a bit of research.
by Blueskies123
Sat May 09, 2020 12:15 pm
Forum: Personal Consumer Issues
Topic: Various retirement locations in FLA?
Replies: 8
Views: 1078

Re: Various retirement locations in FLA?

You have a list of the most diverse areas in Florida except for maybe the keys. You need to figure out what you're looking for. A city, a tiny town, inland, along the coast.
by Blueskies123
Fri May 01, 2020 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Podcast - Wade Pfau: The 4% Rule Is No Longer Safe
Replies: 164
Views: 10930

Re: Podcast - Wade Pfau: The 4% Rule Is No Longer Safe

What makes me feel comfortable with the 4% rule is that +/-4% had been used for hundreds of years not just since the Trinity Study was published. The Trinity Study was not the inventor of the 4% rule, they validated the 4% rule. If you go back to the 1600's and the 1700's you will find other rates l...
by Blueskies123
Sat Apr 18, 2020 11:14 am
Forum: Investing - Theory, News & General
Topic: U.S. Treasury Inflation Protected Securities (TIPS) ETF
Replies: 22
Views: 2043

Re: U.S. Treasury Inflation Protected Securities (TIPS) ETF

could someone clarify this? Also I read elsewhere and here that short term TIPS are good for unexpected inflation while long term tips for expected inflation,so does this make holding the former (short tips) a better proposition? [/quote] All TIPS provide protection from both expected and unexpecte...
by Blueskies123
Fri Apr 17, 2020 4:36 pm
Forum: Investing - Theory, News & General
Topic: S&P PE now at 19.47
Replies: 33
Views: 2748

Re: S&P PE now at 19.47

If risk-free interest rates are zero I would not sell.
by Blueskies123
Tue Apr 14, 2020 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: I don’t need to file anything on April 15,2020, right?
Replies: 22
Views: 3077

Re: I don’t need to file anything on April 15,2020, right?

If it is not a lot of money that you owe I would file now for several reasons. These are uncertain times and tax fraudsters are still out there. I owe about $1000 and plan to file shortly. I want as few things on my to-do list as possible.
by Blueskies123
Mon Apr 13, 2020 8:14 am
Forum: Personal Consumer Issues
Topic: Hand Truck Tire Replacement
Replies: 19
Views: 767

Re: Hand Truck Tire Replacement

Solid rubber tires at Harbor Freight with the discount coupons.
by Blueskies123
Wed Apr 08, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: Make Clorox Spray Instead of Lysol Spray
Replies: 77
Views: 5651

Re: Make Clorox Spray Instead of Lysol Spray

You do not need to throw it out each night. It does not break down that quickly.

https://www.thoughtco.com/chlorine-blea ... fe-3976002

I would think a month is just fine.

https://www.clorox.com/how-to/laundry-b ... helf-life/
by Blueskies123
Mon Apr 06, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: Gas stabilizer and Covid 19
Replies: 34
Views: 2819

Re: Gas stabilizer and Covid 19

Good gas will slowly degrade and possibly attract some water after 90 days. I would not worry about it unless the gasoline will stay in the car a year or longer. For shorter periods just keep the tank topped off so there is no moisture in any air in the tank. My 93-year-old dad buys a few tanks of g...
by Blueskies123
Fri Mar 27, 2020 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 12814

Re: How are you going to use your stimulus money?

Since no one has actually answered the question I am going to use some of it to pay my 2019 taxes and the rest I will try to spend at local restaurants, services, and business. I do not want to waste the money on toys or try to save any of it.
by Blueskies123
Thu Mar 26, 2020 7:25 pm
Forum: Investing - Theory, News & General
Topic: How to avoid temptation of Stock Picking during market crash
Replies: 48
Views: 2848

Re: How to avoid temptation of Stock Picking during market crash

I keep a few percent of my portfolio to play with and keep my mind occupied in times like this. I bought a few stocks that were down 75-80%
by Blueskies123
Mon Mar 23, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: What's cheap right now?
Replies: 33
Views: 3767

Re: What's cheap right now?

Uranium mining
by Blueskies123
Sun Mar 22, 2020 7:24 am
Forum: Investing - Theory, News & General
Topic: Ben Felix on market crashes
Replies: 41
Views: 2342

Re: Ben Felix on market crashes

Really worth watching, thanks for posting. Really mind-boggling to think that through all the bad things that happened in the last 110 years (world wars, epidemics, all kinds of crises), things recovered and got better and delivered good returns to stock holders - including all the drops and bad ye...
by Blueskies123
Wed Mar 18, 2020 9:17 am
Forum: Personal Investments
Topic: Rebalancing Today - Saw Bonds are being sold off - Should I wait?
Replies: 48
Views: 3182

Re: Rebalancing Today - Saw Bonds are being sold off - Should I wait?

I have been rebalancing each of the big down days. I am about half rebalanced.
by Blueskies123
Tue Mar 17, 2020 7:38 am
Forum: Investing - Theory, News & General
Topic: Philippians first to close financial markets, do you agree and who's next?
Replies: 13
Views: 1391

Re: Philippians first to close financial markets, do you agree and who's next?

This would be a terrible mistake which I do not think we will make. It could lead to a run on the banks.
by Blueskies123
Sat Mar 14, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Should I hold off mailing I-Bonds to Treasury Direct?
Replies: 3
Views: 339

Re: Should I hold off mailing I-Bonds to Treasury Direct?

I would mail them now. The S*** has not hit the fan yet. In about 6 weeks nothing is going to get done anywhere, especially with liberal sick leave policy. If you do not mail now I would wait until mid summer.
by Blueskies123
Sat Mar 14, 2020 7:51 am
Forum: Personal Consumer Issues
Topic: Is it time to get rid of my 16 year old car?
Replies: 28
Views: 2203

Re: Is it time to get rid of my 16 year old car?

2004 Acura sedan one owner 150K Miles which runs great which has only had some minor repairs like AC compressor and starter which I did myself.so now it needed a new set of tires and I go to a reliable tire and alignment shop which I've used before and had them put on some lower priced tires (total...
by Blueskies123
Tue Mar 10, 2020 11:08 am
Forum: Investing - Theory, News & General
Topic: Tis The Season To Be Tax-Loss Harvesting
Replies: 22
Views: 2108

Re: Tis The Season To Be Tax-Loss Harvesting

Darn, I only have large long term capital gains in my funds. I have had them for decades or at least many years.
by Blueskies123
Sat Mar 07, 2020 10:11 pm
Forum: Personal Investments
Topic: Implications for ETFs in TIPs bond yields are negative
Replies: 5
Views: 424

Re: Implications for ETFs in TIPs bond yields are negative

If yields for similar TIPs fell to negative real yields, you probably saw capital appreciation in your bond fund and now your yield is negative. Yes, I did see capital appreciation for the existing TIPs on hand. However, as those TIPs mature tomorrow and over the next few years, they will have to b...
by Blueskies123
Sat Mar 07, 2020 6:28 pm
Forum: Personal Investments
Topic: Implications for ETFs in TIPs bond yields are negative
Replies: 5
Views: 424

Implications for ETFs in TIPs bond yields are negative

I have a fairly large position in STIP (Ishares 0-5 years TIPs ETF. I was reading another thread about how TIPs yields have gone negative. Does this mean that as bonds mature within STIP the ETF will be forced to purchase new negative-yielding bonds? If this is the case does it make sense to stay in...
by Blueskies123
Wed Mar 04, 2020 8:28 am
Forum: Investing - Theory, News & General
Topic: Bond funds - are they really safe?
Replies: 31
Views: 2816

Re: Bond funds - are they really safe?

It sounds like you are defining safe as something that can never go down in price for any reason. US treasuries are not perfectly safe all the time but they are "safer" than other investments in some situations. In 2008, and over the last few days US treasures have been going up while stocks are goi...
by Blueskies123
Mon Mar 02, 2020 2:35 pm
Forum: Investing - Theory, News & General
Topic: Corona Virus = Black Swan, Book Recommendation
Replies: 127
Views: 8332

Re: Corona Virus = Black Swan, Book Recommendation

Just today Taleb announced a new book and made a free PDF available here: https://www.researchers.one/article/2020-01-21 (click the blue download button top right). I knew about this book in PDF for a few weeks, but I read technical books only on paper. So far, I could not find it on Amazon. If any...
by Blueskies123
Mon Mar 02, 2020 8:31 am
Forum: Investing - Theory, News & General
Topic: Corona Virus = Black Swan, Book Recommendation
Replies: 127
Views: 8332

Re: Corona Virus = Black Swan, Book Recommendation

Since pandemics are common and their risk can be forecasted we can try to model their consequences. This is why I went to 50% treasuries and when I entered retirement. Just today Taleb announced a new book and made a free PDF available here: https://www.researchers.one/article/2020-01-21 (click the ...
by Blueskies123
Sun Mar 01, 2020 9:06 am
Forum: Investing - Theory, News & General
Topic: Corona Virus = Black Swan, Book Recommendation
Replies: 127
Views: 8332

Re: Corona Virus = Black Swan, Book Recommendation

A new viral pandemic is one of the easiest economic and health risks to anticipate and prepare for and is certainly not a black swan. https://www.who.int/csr/don/archive/year/en/ In our connected world, pandemics are already common and going to become more common. Many people have been preparing for...
by Blueskies123
Sun Feb 23, 2020 2:05 pm
Forum: Investing - Theory, News & General
Topic: Difference between short-term TIPS funds?
Replies: 71
Views: 4432

Re: Difference between short-term TIPS funds?

Garland beat me to it, and I know many of you know this, but everyone should stop saying TIPs protect you from inflation. You are confusing new people. TIPs protect against UNEXPECTED inflation.
by Blueskies123
Tue Feb 18, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: Can we trust wirecutter reviews?
Replies: 41
Views: 5027

Re: Can we trust wirecutter reviews?

It is probably a good first look at products but what is missing is long term testing for expensive products. If I buy something that is several hundred or thousand dollars I want to know it will last.
by Blueskies123
Mon Feb 17, 2020 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Pushing SS Income Into Next Year
Replies: 12
Views: 998

Re: Pushing SS Income Into Next Year

This is my wife's last year on ACA. This might be something I should try if it works.
by Blueskies123
Wed Feb 12, 2020 7:21 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 130329

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

If you want information by a qualified medical expert, be sure to check this guy's Youtube update each morning. No hype, only science-based information from reputable sources.

https://www.youtube.com/watch?v=v16llL6YspY
by Blueskies123
Sun Feb 09, 2020 9:56 am
Forum: Personal Consumer Issues
Topic: Would you drive without a spare tire?
Replies: 193
Views: 11560

Re: Would you drive without a spare tire?

I am really surprised to read so many comments about people that have never had a flat. Every car I have ever had has had multiple flats. My wife also gets flats in her car. My last flat was about 6 months ago driving on the turnpike in my wife's car to see our granddaughter and one before that was ...
by Blueskies123
Mon Feb 03, 2020 3:04 pm
Forum: Investing - Theory, News & General
Topic: Tesla Stock
Replies: 301
Views: 16627

Re: Tesla Stock

The perception, based on reality or not, that Tesla has a bigger lead in technology than was heretofore understood. Even if the lead is real, I find it hard to believe that Tesla is worth more than GM and Ford combined, which is current valuation. You are not looking 5 and 10 years out. Imagine whe...
by Blueskies123
Fri Jan 31, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: paying cleaning lady
Replies: 49
Views: 4958

Re: paying cleaning lady

You are required to withhold employment taxes if you pay out over $2200/year. https://www.irs.gov/pub/irs-pdf/p926.pdf From a cursory read of that IRS document, it sounds to me like you would not be responsible for withholding employment taxes for a typical housecleaner. From the "Do You Have a Hou...
by Blueskies123
Fri Jan 31, 2020 10:45 am
Forum: Personal Consumer Issues
Topic: paying cleaning lady
Replies: 49
Views: 4958

Re: paying cleaning lady

We pay our cleaning lady $150, and she's usually there for 5-7 hours. She's kinda insane about how thorough she is, and we pay her with cash. I trust her to report the income appropriately. My wife empties the kitchen sink of dishes, puts away the laundry, and clears the counters. We don't have any...
by Blueskies123
Wed Jan 08, 2020 9:00 pm
Forum: Personal Investments
Topic: IUSB, BND, AGG
Replies: 8
Views: 671

Re: IUSB, BND, AGG

a. You can probably flip a coin between BND and AGG. See https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=2&startYear=1985&firstMonth=1&endYear=2019&lastMonth=12&calendarAligned=true&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentag...
by Blueskies123
Fri Dec 27, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Tall airtight box
Replies: 26
Views: 1875

Re: Tall airtight box

Has anyone ever seen a tall airtight plastic box that is at least 19 inches in height? It is a bit of a weird question but if you come across it please let me know. I need to store a tall bronze statue. But most of the airtight food containers are short and flat. And the tall pasta airtight contain...
by Blueskies123
Thu Dec 26, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 81166

Re: Talk me out of buying a Tesla Model 3

As often happens, the posters tend to overthink their answers. For me, from my point of view, the question is very basic. Why get a vehicle that has a history of fires and crashing into medians? An exhilirating vehicle is wonderful, but I would wait until the problems get sorted out. You must be co...
by Blueskies123
Thu Dec 19, 2019 11:04 am
Forum: Personal Investments
Topic: New Dual Physican Couple
Replies: 60
Views: 6499

Re: New Dual Physican Couple

In the future you might check out this site:

https://www.whitecoatinvestor.com/

His site focuses on helping medical professions with simialar questions.
by Blueskies123
Thu Dec 19, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Tesla Owners: Worth the hassle?
Replies: 88
Views: 7195

Re: Tesla Owners: Worth the hassle?

Have you spoken to the board about installing more chargers?