Search found 1069 matches

by corn18
Fri Dec 14, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 72
Views: 4067

Re: [Anyone drop cable for YouTube TV?]

Just discovered you cannot cast the DVR recordings on DTVN. That's a deal breaker.
by corn18
Fri Dec 14, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 63
Views: 3166

Re: Who else is doing home automation?

UPDATE from OP: 1. ADT alarm installed today. Can arm with Google but not disarm. That works. 2. 2 outdoor security cameras covering backyard and driveway. 3. 3 E12 Hue bulbs in bedroom ceiling fan. Might get a motion sensor for these. 4. 2 Hue bulbs in main hallway Now my sequence when I say "Hey G...
by corn18
Fri Dec 14, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 72
Views: 4067

Re: [Anyone drop cable for YouTube TV?]

Wish Philo would integrate with Chromecast
by corn18
Thu Dec 13, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 63
Views: 3166

Re: Who else is doing home automation?

Before retiring (from job as corporate librarian), I was immersed in the Internet of Things world, including home automation. I saw how seriously the companies coming up with these solutions considered security in their products. (Hint: Security does not = $$$ for their bottom line and, in fact, ma...
by corn18
Thu Dec 13, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 63
Views: 3166

Re: Who else is doing home automation?

we automated starting about 2 years ago and love it. Get the automatic blind openers.. not sure what brand makes them off hand but they have them where you can set them part of your morning routine Automatic blind openers would be the cat's meow. We have a wall of windows in the den looking out on ...
by corn18
Thu Dec 13, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 63
Views: 3166

Who else is doing home automation?

I picked up a Google Home display last week and have been going nuts since then. 1. Garage doors integrated. MyQ garage hub. Now I just have to say "Hey Google, close the garage doors" and it does it. Google can't open them yet for security reasons I guess. 2. Doorbell: Nest. "Hey Google, show me wh...
by corn18
Thu Dec 13, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 72
Views: 4067

Re: [Anyone drop cable for YouTube TV?]

I am in the middle of deciding to cut the cord. We have had DirecTV since 1996. We like it because it's what we know. I Pay $167 / mo for 5 TV's and no premium channels. Plus $67/mo for crappy internet. Barf. We are moving to TX and I am getting AT&T fiber @ 100mbps for $40/mo. I have subscribed to ...
by corn18
Thu Dec 13, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: How to tell if online watches are legit?
Replies: 15
Views: 997

Re: How to tell if online watches are legit?

It is not possible to tell if they are legitimate. It is possible to spot fakes. But it is very difficult to spot fakes via photos. I have purchased a lot of very expensive watches online (about $250k worth). In all cases, I buy the seller first, not the price (although I do look for reasonable pric...
by corn18
Sun Dec 09, 2018 10:17 am
Forum: Forum Issues and Administration
Topic: Just donated to bogleheads.org
Replies: 3
Views: 402

Just donated to bogleheads.org

Not sure if this is allowed, but I did not know we could donate to BH.org. Saw this in another thread and decided to pay it back since they saved me a ton of money over the years.

Here's the link if you are interested:

https://www.bogleheads.org/support.htm
by corn18
Sat Dec 08, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: Why Retirement Is Broken And Needs To Be Reinvented
Replies: 174
Views: 11992

Re: Why Retirement Is Broken And Needs To Be Reinvented

Bacchus01 wrote:
Sat Dec 08, 2018 9:01 am
Keep posting it if you like. The word “pension” did not mean “pension plan” as it is used today. It simply meant a stream of monthly payments.
It seems like a distinction without a difference.
by corn18
Sat Dec 08, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: Why Retirement Is Broken And Needs To Be Reinvented
Replies: 174
Views: 11992

Re: Why Retirement Is Broken And Needs To Be Reinvented

Social Security is not a pension plan. It’s an insurance plan, as stated right in the name. I'll just repost this here for ya (from earlier in the thread) Social Security is not a pension plan, it is insurance. [...] It’s sort of astonishing how little people really know about a program that has be...
by corn18
Fri Dec 07, 2018 4:49 am
Forum: Investing - Theory, News & General
Topic: Why Retirement Is Broken And Needs To Be Reinvented
Replies: 174
Views: 11992

Re: Why Retirement Is Broken And Needs To Be Reinvented

Anyone earning more than a living wage can save. The question then becomes is whether they want to. Many are indeed making the choice you refer to: spending now and hoping that they will save later. But as I said, most of these people have no clue how much they will need to save in order to produce...
by corn18
Thu Dec 06, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8608
Views: 1679155

Re: U.S. stocks in freefall

corn18 wrote:
Thu Dec 06, 2018 9:09 am
I predict this is a 4 digit point loss today (DOW).
I am always wrong when it comes to predicting the market. Well, mostly wrong. If I were always wrong then that would be great for others.
by corn18
Thu Dec 06, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a point to a Taxable Acount?
Replies: 25
Views: 1885

Re: Is there a point to a Taxable Acount?

Stop paying extra on your current mortgage and save that money for a downpayment on another rental home. Get 5-10 properties under your belt and maybe you can FIRE with that Roth money.
by corn18
Thu Dec 06, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8608
Views: 1679155

Re: U.S. stocks in freefall

J G Bankerton wrote:
Thu Dec 06, 2018 1:13 pm
corn18 wrote:
Thu Dec 06, 2018 1:03 pm
J G Bankerton wrote:
Thu Dec 06, 2018 12:59 pm
My last dip is up .89%. Hear comes Santa Clause.
I thought you had enough money already. Santa is coming regardless of the markets.
It's not money, it's points. Mr. Bankerton would never touch "money". :annoyed
Not the Santa but "Santa Clause Rally".
I don't understand points.
by corn18
Thu Dec 06, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Considering residential real estate investment
Replies: 74
Views: 5079

Re: Considering residential real estate investment

Gotcha. Makes sense. I am also considering REI. Just started to look into it because of this thread and others. So I logged into BiggerPockets and started reading and downloaded Brandon's book on REI. It was a good read, but I am stuck on the page that asks what my goals are. I wrote them down: Inve...
by corn18
Thu Dec 06, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8608
Views: 1679155

Re: U.S. stocks in freefall

J G Bankerton wrote:
Thu Dec 06, 2018 12:59 pm
My last dip is up .89%. Hear comes Santa Clause.
I thought you had enough money already. Santa is coming regardless of the markets.
by corn18
Thu Dec 06, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Considering residential real estate investment
Replies: 74
Views: 5079

Re: Considering residential real estate investment

Maybe I suggest - get a PM so you can scale your portfolio. One disaster like that won't be stressful to you if you have 9 other cash-flowing properties. I would never self-manage a SFH, a condo is easy to do so since there is no roof, heaters, or other CapEx to worry about. Huh? What difference do...
by corn18
Thu Dec 06, 2018 12:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8608
Views: 1679155

Re: U.S. stocks in freefall

Just went and updated my EF analysis in case this is the end of the world. I am holding 2 houses right now as I just closed on one Monday and have the other one on the market. 2 mortgages. Data indicate 1 year of EF without cutting expenses. Hopefully don't lose my job and get stuck with 2 houses wh...
by corn18
Thu Dec 06, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8608
Views: 1679155

Re: U.S. stocks in freefall

stocknoob4111 wrote:
Thu Dec 06, 2018 11:47 am
Bonds are up nicely... 10YT has hit 2.83 as of now with the flight to quality. I am thinking we may see a 2-10 inversion at close today?
Nah, the 2 year is falling about the same.
by corn18
Thu Dec 06, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8608
Views: 1679155

Re: U.S. stocks in freefall

Nope. I am concerned that my dog has started to eat twice every morning with a required "walk" in between each course. That is just rude.
by corn18
Thu Dec 06, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8608
Views: 1679155

Re: U.S. stocks in freefall

I predict this is a 4 digit point loss today (DOW).
by corn18
Thu Dec 06, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: In a Bear Market, What Are Some Best Practices
Replies: 53
Views: 6655

Re: In a Bear Market, What Are Some Best Practices

I might just retire if we hit a bear market. At least I will have hard data on SOR risk.

Other than that, follow my IPS which is an incredibly BoringHead 60/40 with 25% international and 5% rebalancing bands.

And keep reading the freefall thread.
by corn18
Wed Dec 05, 2018 9:34 am
Forum: Investing - Theory, News & General
Topic: In Search of... the Inverted Yield Curve
Replies: 33
Views: 3721

Re: In Search of... the Inverted Yield Curve

I think the 10-2 is something to keep an eye on. If for no other reason than to have something to talk about on the fora. If the Fed raises rates this year, IMHO they will ensure a recession by 2020. If they don't, I think they will ensure a recession. Either way, we get a recession. https://fred.st...
by corn18
Wed Dec 05, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Why Is Insurance Worth It (Analytically)?
Replies: 89
Views: 4225

Re: Why Is Insurance Worth It (Analytically)?

One of the hats I wore in the corporate world was risk management. There are essentially four ways to deal with a risk. Accept the risk. You recognize that there is the risk of some event, and you choose to deal with the event when it happens. Usually this is the correct choice for a small risk. Go...
by corn18
Wed Dec 05, 2018 5:44 am
Forum: Personal Finance (Not Investing)
Topic: Why Is Insurance Worth It (Analytically)?
Replies: 89
Views: 4225

Re: Why Is Insurance Worth It (Analytically)?

Do you have a plan if you are diagnosed with cancer or are severely injured in an accident? One option is to (EDIT: not receive care). I'm sorry if that sounds offensive to anyone. Another is to not pay the medical bills. Another is Bankruptcy. This is incongruent with my moral values. But, your hy...
by corn18
Wed Dec 05, 2018 4:52 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8608
Views: 1679155

Re: U.S. stocks in freefall

Real estate values don't fluctuate 4% in a day. Don't even try to pretend that even makes sense. A 30% stock market crash is expected (and has happened) once per 10-15 years. A 30% real estate crash in one year is expect once every 100-200 years. I am aware of 1 in the 20th century. Real estate goe...
by corn18
Wed Dec 05, 2018 4:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8608
Views: 1679155

Re: U.S. stocks in freefall

J G Bankerton wrote:
Wed Dec 05, 2018 4:27 am
Good thing US markets are closed. Europe and Asia are still freefalling. I don't have any money left to buy dips anyway. :(
Sell a house.
by corn18
Wed Dec 05, 2018 4:37 am
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employees/Deferred Compensation Plans
Replies: 26
Views: 2488

Re: Highly Compensated Employees/Deferred Compensation Plans

No to HCE. Yes to NDCP with match. Ours kicks in when you hit the $275k income limit. Then you can keep contributing to the NDCP with the same match. Seems like a no brainer but I had to read up on withdrawal options. I can do lump sum or up to 20 years after a 6 month wait. I can "invest" in the sa...
by corn18
Wed Dec 05, 2018 4:20 am
Forum: Investing - Theory, News & General
Topic: Yield Curve = Inverted
Replies: 58
Views: 5993

Re: Yield Curve = Inverted

The 10-2 split is trending down again. I need to update my IPS to include posting panic inducing threads. 1995-2001 must have been pure hell for worry warts. Based on the data, I would start worrying when it starts going back up.

Image
by corn18
Tue Dec 04, 2018 7:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8608
Views: 1679155

Re: U.S. stocks in freefall

Wow. I could start a thread on how to get ticks off my dog and someone would pop in and tell me how great real estate investing is. Please make it stop!
by corn18
Tue Dec 04, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8608
Views: 1679155

Re: U.S. stocks in freefall

The 10 year yield was in free fall today as well. The 10-2 split is getting awfully skinny.

Image
by corn18
Mon Dec 03, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with a small TSP balance?
Replies: 4
Views: 222

Re: What to do with a small TSP balance?

I have $3,500 in my TSP in the G fund. I retired in 2008 from the Navy and forgot I even had any money in there. I was thinking about moving it into my 401k, but the nice folks here on BH said NO WAY! Keep a small amount in there because the G fund might be the most awesome fixed income fund ever. T...
by corn18
Mon Dec 03, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Stocks to Pay Off Mortgage
Replies: 73
Views: 5032

Re: Out of Stocks to Pay Off Mortgage

I don't like the idea of paying down mortgage with potentially long term retirement funds, then start adding to those funds again. You end up with less long term money invested less time. This is an interesting point that I would like to explore. I agree with it, in the OP's case. Now consider a sc...
by corn18
Mon Dec 03, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8608
Views: 1679155

Re: U.S. stocks in freefall

J G Bankerton wrote:
Mon Dec 03, 2018 11:39 am
OMG, the sugar high of Argentina didn't last long. Time to catch the falling knife.
CNBC said there could be a Santa Clause rally that "will rip your eyeballs out". Time to buy more?
You said you are 100% stock. How can you buy more?
by corn18
Mon Dec 03, 2018 5:12 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8608
Views: 1679155

Re: U.S. stocks in freefall

Well, folks, if you did your rebalances, you are rewarded. SPUs are up bigly on the plunge protection efforts of the higher-ups. Powell went dovish, and China-US trade wars seem to be at a temporary truce. I did just rebalance last week as I hit my 5% out of band limit. Hopefully I'll have to rebal...
by corn18
Sun Dec 02, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 4796

Re: Robot Vacuum Cleaner?

Thanks to this thread, I have a eufy 30 on the way from Amazon. Should be here Wednesday.
by corn18
Sun Dec 02, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Price vs. Gross Income
Replies: 59
Views: 4295

Re: Home Purchase Price vs. Gross Income

Closing on a new house tomorrow in a MCOL area. 1x gross income. But I will likely pay it off in June when my RSUs vest.
by corn18
Sun Dec 02, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 122
Views: 11062

Re: Retirement itch- when did you get it?

Got it this year @ 52. Talked to my wife and we decided 2021 was the year. 55 gives me access to my 401k.
by corn18
Sun Dec 02, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5160

Re: Do you get a year end bonus?

45% bonus. 65% RSUs. Paid in Feb. Defense executive.
by corn18
Sun Dec 02, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 3853

Re: Best new Mac/features for 2000-3000

I have the best of all worlds: 15" MacBook Pro (5 years old). It is my work computer and personal computer. Work loads Win 10 in a virtual machine and I do all my work on that. Then I do the 4 finger flip and I am in my personal computer. Not sure if Windows is better than Mac OS. They are different...
by corn18
Sat Dec 01, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Considering residential real estate investment
Replies: 74
Views: 5079

Re: Considering residential real estate investment

If I get into REI, wouldn't I want cash flow over ROI? I could get infinite ROI if I made $1 on a $0 down loan. That seems silly to me. All that gives me is braggin' rights on the Bogleheads fora. What I would really like to do is take $400k and have it generate $40k/year in net cash flow. That sure...
by corn18
Sat Dec 01, 2018 6:01 am
Forum: Investing - Theory, News & General
Topic: Stock Buybacks Don't Increase Share Prices
Replies: 33
Views: 2759

Re: Stock Buybacks Don't Increase Share Prices

If exec comp is based on earnings per share, it doesn't much matter if the stock price goes up with share buybacks. The EPS goes up so exec comp goes up.
by corn18
Thu Nov 29, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation question in current market conditions
Replies: 3
Views: 287

Re: Asset allocation question in current market conditions

Don't think about the market conditions, think about your risk tolerance. I think I am reading that you are ok with accepting more risk than you originally thought 5 years ago. If that's the case, then go ahead and rewrite your IPS. But don't put in anything about if the market does this I will do t...
by corn18
Thu Nov 29, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage/Debt to Income Issues due to Car Loan
Replies: 20
Views: 1100

Re: Mortgage/Debt to Income Issues due to Car Loan

115,000 miles on a modern car is barely started. Our average has been somewhere around 350,000 before we got rid of vehicles. The average person drives ~12,500 miles/year. To put 350K miles on a vehicle would mean driving the same car for nearly 30 years! Or buying a used car with 225,000 miles on ...
by corn18
Thu Nov 29, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage/Debt to Income Issues due to Car Loan
Replies: 20
Views: 1100

Re: Mortgage/Debt to Income Issues due to Car Loan

Hello Everyone! So I made a bit of a mistake a couple of years ago in buying a new car for a 2.6% apr for 7 years with a payment of $635/mo. after already having bought a different new car a year before. To offset the interest, I am paying $700/mo. Now 4 years in, I'm looking into buying a house (f...
by corn18
Wed Nov 28, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 8718

Re: How did YOU choose your career?

I am an enigma. I knew at age 7 I wanted to be a pilot. We couldn't afford lessons. Couldn't afford college. But my grades got me into the US Naval Academy. Had a blast studying EE and selected for pilot. Then got jets. Flew for 20 years with a test pilot focus and 3 combat tours. What a rush. Retir...
by corn18
Wed Nov 28, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: A bubble of corporate debt.
Replies: 31
Views: 3082

Re: Corporate debt bubble

My IPS doesn't care what is going on in the market other than rebalancing. It's just noise.

Don't just do something, stand there!
by corn18
Tue Nov 27, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: Do you need to invest mostly in stocks to get rich?
Replies: 178
Views: 17015

Re: Do you need to invest mostly in stocks to get rich?

I don't log into the Audi forum so I can listen to the Nissan blowhard ramble on about why I should buy a GTR. I think bogleheads have above average intelligence and if they want to invest in real estate, they will. And they will likely find a good real estate investing forum to talk about it. And n...
by corn18
Mon Nov 26, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: paying off all but 1 dollar of CC
Replies: 83
Views: 8205

Re: paying off all but 1 dollar of CC

I keep getting dinged for not having enough debt. Says so right on the screen. My wife gets the same thing. But we are both in the 830+ so I am OK with that. They're not dinging your credit score. So who's dinging you, and how? Wish I knew. When I paid off all my car loans (4 of them) 5 years ago, ...