Search found 3900 matches

by hsv_climber
Tue Jul 16, 2013 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Market Timing
Replies: 33
Views: 2570

Re: Market Timing

OP, (like KevinM has suggested), are you sure that you are ready to take the risk of 75/25?

It will be very painful to go from conservative to risky and then watch the risk to show up. To do something in the middle is always a good idea.
by hsv_climber
Tue Jul 02, 2013 11:40 am
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 10168

Re: [Poll] What's Your Current Mode of Camping?

REI is overpriced. 9 out of 10 times, you can find the same item much cheaper on another site by just using google search.
by hsv_climber
Tue Jul 02, 2013 11:33 am
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 10168

Re: [Poll] What's Your Current Mode of Camping?

That's a cool trick. If I could figure out how to make a pack with 20 lbs of camping gear and 30 lbs of climbing gear in it feel weightless it would really improve the quality of my trips. Maybe I should do some more pack shopping. Mine is 20 years old. I'd be willing to spend a few hundred bucks t...
by hsv_climber
Wed Jun 26, 2013 1:36 pm
Forum: Personal Consumer Issues
Topic: Is "buying organic" food worth it?
Replies: 89
Views: 7348

Re: Is "buying organic" food worth it?

I work with organic and non-organic agricultural operations every day, I see a lot and have a lot of 1st hand experience. Would you trust "organic" label on "Made in Mexico" or "Made in Chile" apples / grapes / etc.? Personally, I usually laugh at them and buy "Made in USA" conventional or from a l...
by hsv_climber
Wed Jun 26, 2013 1:19 pm
Forum: Personal Consumer Issues
Topic: Is "buying organic" food worth it?
Replies: 89
Views: 7348

Re: Is "buying organic" food worth it?

Disagree. The marketing ploy is that organic is not better and is too expensive. Think who has big bucks, the conventional companies. Organic is only a small slice of the pie and most large growers and companies barely participate. They are the ones with lobbyists and deep pockets who have money an...
by hsv_climber
Thu Jun 20, 2013 3:24 pm
Forum: Investing - Theory, News & General
Topic: Will rebalance into REIT today
Replies: 14
Views: 1619

Re: Will rebalance into REIT today

I'm simplifying my portfolio to move more towards Taylor's three fund model (not quite there, but closer). To do that, yesterday I sold: Pacific (VPL), Europe (VGK), Emerging Markets (VWO), and iShares Canada (EWC), so that I could buy Total International (VXUS). Turns out all those international f...
by hsv_climber
Thu Jun 20, 2013 3:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6626
Views: 1430961

Re: U.S. stocks in freefall

VNQ (REIT) was in free fall today. Together with EM, Pacific markets and international REITs.
by hsv_climber
Thu Jun 20, 2013 3:10 pm
Forum: Investing - Theory, News & General
Topic: Will rebalance into REIT today
Replies: 14
Views: 1619

Re: Will rebalance into REIT today

I've bought some VNQ today.
I've also added to VWO and VEU. Unfortunately, I've added to VWO/VEU too early in the morning.
by hsv_climber
Wed Jun 19, 2013 2:43 pm
Forum: Investing - Theory, News & General
Topic: IBM getting on AI glidepath
Replies: 4
Views: 1012

Re: IBM getting on AI glidepath

Indian Business Machines are just getting out from hiring US workers.
by hsv_climber
Wed Jun 19, 2013 2:35 pm
Forum: Investing - Theory, News & General
Topic: 30 year TIPs auction on June 20th, 1.25% real yield???
Replies: 99
Views: 12102

Re: 30 year TIPs auction on June 20th, 1.25% real yield???

It is 1.25% today. grok wins.

Yet, it is scary to buy 30 year tomorrow after watching the beating on the Feb. issues...
by hsv_climber
Wed Jun 19, 2013 2:33 pm
Forum: Investing - Theory, News & General
Topic: Bonds Investors running for the hills
Replies: 56
Views: 6242

Re: Run Chicken Little!

gerrym51 wrote: didn't Bill Gross a few weeks ago say Pimco was getting out of bonds?.
Is not he saying that every year?
by hsv_climber
Wed Jun 19, 2013 2:22 pm
Forum: Investing - Theory, News & General
Topic: Bonds Investors running for the hills
Replies: 56
Views: 6242

Re: Bonds Investors running for the hills

Sure, bond funds are down by 1-2% after Bernanke speech and that is the reason for concern.
But some stock funds are down even more. Em. Markets and REITs are down near 3%.
by hsv_climber
Tue Jun 18, 2013 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Any good credit card sign on bonuses lately?
Replies: 22
Views: 3238

Re: Any good credit card sign on bonuses lately?

squirm wrote:Thanks guys, now are these the only two credit cards that have good offers for now?
Here is another one for you - Barclay's Arrival. But that is only if you are smart enough (I am not) to figure out its reward system and will read up carefully about all the exceptions.
by hsv_climber
Tue Jun 18, 2013 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for 529 with 2-3 years horizon
Replies: 7
Views: 697

Re: Asset Allocation for 529 with 2-3 years horizon

Would you be comfortable with a 20-40% market drop in 2014?
by hsv_climber
Tue Jun 18, 2013 9:45 am
Forum: Personal Consumer Issues
Topic: Wanting to spend money all of a sudden
Replies: 76
Views: 8023

Re: Wanting to spend money all of a sudden

Spend it on your kids - each year you can gift them up to $28K per couple, tax free. Open a UTMA or set-up a trust. Do you have a 529 plan for each of them? You've been on this forum long enough to know the obvious: a person who has kids does not ask on a public forum how to spend the money. 8-) So...
by hsv_climber
Mon Jun 17, 2013 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Any good credit card sign on bonuses lately?
Replies: 22
Views: 3238

Re: Any good credit card sign on bonuses lately?

Am I right in thinking this means I can convert $400 in SW points to AirTran for much more expensive flights? It seems like an arbitrage opportunity, and I fly on SW quite a bit for work. Yes, you should be able to. The only restriction is that both accounts should be under your name, i.e. you can'...
by hsv_climber
Mon Jun 17, 2013 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Any good credit card sign on bonuses lately?
Replies: 22
Views: 3238

Re: Any good credit card sign on bonuses lately?

I'm sorry, I meant to specify that the sign up bonus is for two ROUND TRIP flights to any destination. It really is the best CC sign up bonus I've seen in a while. It is for 32 AirTran credits, which is equivalent to 2 rnd trip flights. SW CC is for 50k, which is equivalent to 41 AirTran credit (co...
by hsv_climber
Mon Jun 17, 2013 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Any good credit card sign on bonuses lately?
Replies: 22
Views: 3238

Re: Any good credit card sign on bonuses lately?

On a positive side for AirTran CC is that it is a different product than SW CC.
So, you can still apply for it and get the bonus as well.
by hsv_climber
Mon Jun 17, 2013 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Any good credit card sign on bonuses lately?
Replies: 22
Views: 3238

Re: Any good credit card sign on bonuses lately?

Depends where you fly. Those 50,000 points comes out to $833 of southwest "wanna get away" fare. That might get you three regional hops if you're lucky but it won't get you two flights to Jamaica. No, it does not matter where you fly. AirTran rnd trip is 16 credits. From here: http://www.southwest....
by hsv_climber
Mon Jun 17, 2013 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Any good credit card sign on bonuses lately?
Replies: 22
Views: 3238

Re: Any good credit card sign on bonuses lately?

AirTran card offers two free tickets to anywhere they fly including Bermuda, Jamaica, etc. Can also be converted to free flights on Southwest for domestic. There are links floating around for one free flight and two free flights, so be sure to search for the latter. If you did not have it yet, Sout...
by hsv_climber
Mon Jun 17, 2013 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Any good credit card sign on bonuses lately?
Replies: 22
Views: 3238

Re: Any good credit card sign on bonuses lately?

I'd stay away from Chase Ink this week if you don't have a legit small business, since I'd expect Chase to have extra scrutiny this week considering the flood of applications that they are currently getting.
by hsv_climber
Thu Jun 13, 2013 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed Platinum Rewards Visa CC changes
Replies: 118
Views: 33523

Re: PenFed Platinum Rewards Visa CC changes

I've just got the card in May and thought that I would not be affected by the switch. But the OP post seems like I will be.
Here is a discussion about that on FatWallet: http://www.fatwallet.com/forums/finance/1268616/
by hsv_climber
Wed Jun 12, 2013 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Stay at home dads?
Replies: 65
Views: 5400

Re: Stay at home dads?

I bet hat we are not hearing the whole story here.

Ariely's research has shown that women always claim (when asked by researchers) that they do 90% of household chores while reality is always different.
by hsv_climber
Thu Jun 06, 2013 1:01 pm
Forum: Investing - Theory, News & General
Topic: The Case for Lower Interest Rates
Replies: 20
Views: 2169

Re: The Case for Lower Interest Rates

If the economy is slow because we live in a world with technological advancements that have permanently reduced the need for human labor to provide a high quality of life for society, and if this is a trend that will continue into the future ad infinitum, then... perhaps the economy isn't "slow" as...
by hsv_climber
Thu Jun 06, 2013 12:30 pm
Forum: Investing - Theory, News & General
Topic: 30 year TIPs auction on June 20th, 1.25% real yield???
Replies: 99
Views: 12102

Re: 30 year TIPs auction on June 20th, 1.25% real yield???

Am I excited? No.
But I will probably buy a small amount as part of my bond allocation of the ~(65-67):~(35-33) (stocks/bonds) portfolio.
1.0+% TIPS (in IRA) are better than 0% I-bonds.
by hsv_climber
Thu Jun 06, 2013 9:48 am
Forum: Personal Consumer Issues
Topic: Planning a bicycle tour
Replies: 19
Views: 2489

Re: Planning a bicycle tour

Raybo, If you'd have some time left then you might consider a day trip to Yoho National Park. It is only 15 miles off Icefield Parkway. http://www.tripadvisor.com/Attractions-g1761683-Activities-Yoho_National_Park_British_Columbia.html Takakkaw Falls (less than 20 miles from Lake Louise, but I don't...
by hsv_climber
Thu Jun 06, 2013 9:35 am
Forum: Personal Consumer Issues
Topic: "this old house" money saving tricks/tips
Replies: 30
Views: 4272

Re: "this old house" money saving tricks/tips

Very questionable tricks... I've just looked through them and did not find a single one that I've liked. IMHO, it is a waste to pay professionals to service your furnace every year, have a fall garden crew, etc. About the dryer tip in the OP: we've nearly stopped using dryer and switched to clothesl...
by hsv_climber
Wed Jun 05, 2013 9:16 am
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 143
Views: 19806

Re: Long Distance Walking

wikipedia page says: n June 2011, the regional government of Andalusia and the local government of Málaga agreed to share costs of restoration (including car parking and a museum) of €9 million. The project will take approximately three years to complete.[3] Many of the original features will remain...
by hsv_climber
Thu May 30, 2013 9:03 am
Forum: Personal Consumer Issues
Topic: Journal of my 10 day bicycle tour in West Texas
Replies: 23
Views: 2175

Re: Journal of my 10 day bicycle tour in West Texas

Raybo, thanks for the trip report. Like livesoft, I don't think Big Bend is a good destination for riding a bike. Windows hike that Raybo did is pretty good, but there are other longer and better hikes in the Chisos area, as well as in other areas of the park where bike really won't help much. Big B...
by hsv_climber
Fri May 17, 2013 11:55 am
Forum: Personal Finance (Not Investing)
Topic: College - The new scam
Replies: 33
Views: 2615

Re: College - The new scam

I think college administrations should be allowed to charge what the market will bear. Supply and demand. When people refuse to pay their prices, then those prices won't be paid anymore. It is that simple. But the problem is not what they are charging. The problem is that you'd be paying (and you k...
by hsv_climber
Thu May 16, 2013 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Credit score hurt because I don't borrow enough
Replies: 23
Views: 2358

Re: Credit score hurt because I don't borrow enough

So, stop whining and open some new Credit Cards in order to make some money on the signing bonuses.
by hsv_climber
Tue May 14, 2013 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Cash back credit card + no foreign transaction fee?
Replies: 20
Views: 422902

Re: Cash back credit card + no foreign transaction fee?

Chase Ink (Ink Bold). It is a business card.

Annual fee is waived for the first year. Signing Bonus will pay your fee for the next 5 years anyway. 5% cashback on cell phone, internet, office supplies, landline.
by hsv_climber
Tue May 14, 2013 5:19 pm
Forum: Investing - Theory, News & General
Topic: Emerging Market Bond Fund is available
Replies: 76
Views: 6816

Re: Emerging Market Bond Fund is available

Vanguard often has website usability issues. Good catch, nisiprius.
by hsv_climber
Tue May 14, 2013 4:57 pm
Forum: Investing - Theory, News & General
Topic: Emerging Market Bond Fund is available
Replies: 76
Views: 6816

Re: Emerging Market Bond Fund is available

Article does not say anything about "current yield". I guess they would not have that number until they'd actually start buying bonds. But without having that number, we don't know what is the potential "reward" is in "risk / reward" equation.
by hsv_climber
Tue May 14, 2013 4:53 pm
Forum: Investing - Theory, News & General
Topic: Emerging Market Bond Fund is available
Replies: 76
Views: 6816

Re: Emerging Market Bond Fund is available

No, because a load is money that goes to the sales channel to reward them for selling the fund, while the purchase fee is money that goes back into the fund itself to cover operational costs. I was editing my post as you were typing reply. But from an investor perspective it does not make a differe...
by hsv_climber
Tue May 14, 2013 4:48 pm
Forum: Investing - Theory, News & General
Topic: Emerging Market Bond Fund is available
Replies: 76
Views: 6816

Re: Emerging Market Bond Fund is available

gkaplan wrote:
core5 wrote:Can I assume they're still building this fund, looking at the load and the higher expense ratios?
There is no load.
Is not a "purchase fee" another name for "load" (at least from an investor perspective, if we'd ignore that the $$ goes to the fund definition)?
by hsv_climber
Tue May 14, 2013 11:37 am
Forum: Investing - Theory, News & General
Topic: Hussman: Now is one of the worst times in history to invest
Replies: 51
Views: 8140

Re: Hussman: Now is one of the worst times in history to inv

It is very easy to create a successful active fund that beats the market. Here is how to do it: Step 1. Open a new mutual fund and randomly pick 10 stocks Step 2. Repeat Step 1 10 times Step 3. One or two years later close all underpeforming funds and keep those that have beat the market. Step 4. Cl...
by hsv_climber
Tue May 07, 2013 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: My personal rate of inflation is ....................
Replies: 36
Views: 3577

Re: My personal rate of inflation is ....................

Ok, OP has convinced me that if I will be eating in the fancy restaurants (discretionary spending, so does not count) 100% next year then my Personal Inflation Rate for Food (cooked @ home, non-discretionary) will look pretty good.

[OT comments on discretionary spending removed by admin LadyGeek]
by hsv_climber
Mon May 06, 2013 11:05 am
Forum: Personal Finance (Not Investing)
Topic: My personal rate of inflation is ....................
Replies: 36
Views: 3577

Re: My personal rate of inflation is ....................

In my spending budget, out comes the non-discretionary expenses first and the rest is discretionary. (I don't take a trip to Africa every year, so it would be ridiculous to include it.) No gimmick at all! Inflation is a fact and you have to deal with it. That may mean shifting your basket of goods....
by hsv_climber
Mon May 06, 2013 8:40 am
Forum: Personal Finance (Not Investing)
Topic: My personal rate of inflation is ....................
Replies: 36
Views: 3577

Re: My personal rate of inflation is ....................

I think it is all an accounting gimmick. Claiming that you have an inflation rate of X%, while in reality you are spending much more than that and writing off the rest to "standard of living improvements" is not a proper accounting.
That is what got Enron in trouble. 8-)
by hsv_climber
Sun May 05, 2013 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: The Points Guy
Replies: 37
Views: 5144

Re: The Points Guy

Greg17 wrote: I haven't heard of many mortgage companies that will take even a debit card. Am I missing something?
Like MnD wrote - it is a 3-step process and there are some fees involved with some answers in his link.
by hsv_climber
Sun May 05, 2013 10:10 am
Forum: Personal Finance (Not Investing)
Topic: My personal rate of inflation is ....................
Replies: 36
Views: 3577

Re: My personal rate of inflation is ....................

US inflation (CPI-U) over the last 6 years is 2.18%. But the most important question is: what does past performance tell us about the future? . . . And the answer is: precisely nothing , since spikes like 1974 and 1981 can't be predicted, but can have a significant hit on your portfolio. Basically, ...
by hsv_climber
Thu May 02, 2013 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: What plans will be in the available healthcare exchanges?
Replies: 5
Views: 759

Re: What plans will be in the available healthcare exchanges

I am pretty sure that the answer to your question is State-specific. There are federal guidelines, but States will need to setup their own exchanges and when & how it will happen is State-specific info.
by hsv_climber
Thu May 02, 2013 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: The Points Guy
Replies: 37
Views: 5144

Re: The Points Guy

Reward credit cards with SB work pretty much like index funds vs high fee mutual funds:
- people who can restrain themselves will get the benefits
- people who can't restrain themselves will pay the bills for the rest of us
by hsv_climber
Thu May 02, 2013 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: REITs... buy more?
Replies: 39
Views: 5386

Re: REITs... buy more?

InvestorNewb wrote:
Elbowman wrote:Do you have an IPS?
I manage the portfolio myself, so no IPS here.
What does it mean "manage the portfolio myself"? Tactical Asset Allocation?
by hsv_climber
Wed May 01, 2013 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: The Points Guy
Replies: 37
Views: 5144

Re: The Points Guy

CITI TYP and Chase UR points are great.
I've started playing around half-seriously with points&miles this year and currently at 8 free plane tickets and ~$1,700 cash YTD.
by hsv_climber
Wed May 01, 2013 4:27 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas in northern MI
Replies: 21
Views: 1659

Re: Vacation ideas in northern MI

OP, depending on the way you are driving there, Sleeping Bear Dunes is a nice place to visit. It is not in UP, but it might be on your way there.
by hsv_climber
Wed May 01, 2013 4:21 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas in northern MI
Replies: 21
Views: 1659

Re: Vacation ideas in northern MI

Has anyone tried to do bike touring there? It seems like a great place for that. I rode a bike there only on a Mackinac Island loop, but I am really interested in trying either multi-day tour or some cycling trips from a base camp.
Does anyone have experience in any of that there?