Search found 89 matches

by lemonPepper
Tue Aug 02, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 101
Views: 20926

Re: Suckered into Marriott Kauai Timeshare Presentation

Hi all, My wife and I have been to Kauai before. Was offered what I think is a reasonable price for a 5 night/6 day stay in Kauai at the Marriot Vacation Club for $799. Long story short, this comes with the caveat that I have to attend a 90-minute presentations, which will be the sales pitch. Since...
by lemonPepper
Mon Aug 01, 2016 10:42 am
Forum: Non-US Investing
Topic: Finding a Vanguard fund to invest $40,000 for 30 years (401k account)
Replies: 46
Views: 7801

Re: Finding a Vanguard fund to invest $40,000 for 30 years (401k account)

OP, another thing you should consider is converting this 401k to a roth ira over time. The Vanguard LifeStrategy Growth Fund (VASGX) is a good choice as you could literally not peek for 30 years and still be ok and hopefully find yourself with multiple times the purchasing power of your original inv...
by lemonPepper
Mon Aug 01, 2016 12:03 am
Forum: Investing - Theory, News & General
Topic: Any benefit to investing in Vanguard ETFs via Vanguard?
Replies: 11
Views: 1317

Re: Any benefit to investing in Vanguard ETFs via Vanguard?

Hi all -- I am relatively new to this forum and increasingly becoming an avid follower of both this site and the prevailing philosophy. I am slowly starting to re-balance my portfolio to better align with boglehead philosophies. I am someone who generally prefers ETFs to Mutual Funds (recognizing t...
by lemonPepper
Sun Jul 31, 2016 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports, how could you? [Investment Company Buying Guide]
Replies: 74
Views: 10885

Re: Consumer Reports, how could you? [Investment Company Buying Guide]

I trust CR. Sure they are not perfect but they don't have conflict of interest. I look at their suggestions as a starting point. I bought their "guide to richer retirement" and it was quite disappointing. They did mention vanguard and that's how I found bogleheads. I hate advertising. In the age of ...
by lemonPepper
Sun Jul 31, 2016 11:38 pm
Forum: Investing - Theory, News & General
Topic: How can markets keep going up ?
Replies: 131
Views: 15563

Re: How can markets keep going up ?

what I always get confused about is let's say the real rate of growth of the economy is 3%, however the stock market often seems to grow at a real rate of 5%. So there must be some wealth acruing to the investor. So some poeple in teh economy must be giving up their wealth to the stock market invest...
by lemonPepper
Mon Jul 25, 2016 5:37 pm
Forum: Personal Consumer Issues
Topic: Security system ADT Cost
Replies: 26
Views: 4626

Re: Security system ADT Cost

another vote for simplisafe. I put an alert on slickdeals for simplisafe and they have promotions going on from time to time.

I must admit that I still hate paying $24.99 a month for a security system but I'm not really a dog person :)
by lemonPepper
Mon Jul 25, 2016 4:14 pm
Forum: Investing - Theory, News & General
Topic: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?
Replies: 267
Views: 30387

Re: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?

new to BH style investing. I found a lot of wisdom in this thread that was not in the bogleheads book. Will be clipping many parts of this discussion to remind me why one should invest in bonds. 1. many of us claim about above average ability to handle risk. It is not realistic. 2. emergency fund ne...
by lemonPepper
Wed Jul 20, 2016 4:32 pm
Forum: Investing - Theory, News & General
Topic: NY Times article-Shiller on land and homes
Replies: 18
Views: 3053

Re: NY Times article-Shiller on land and homes

Shiller is trying to explain his data. His data is probably as good as we can get it. His explanation may be incorrect. It's certainly counterintuitive. A few thoughts: - location matters, a lot - housing areas with constrained land (eg due to zoning) particularly around the US coastal areas have t...
by lemonPepper
Wed Jul 20, 2016 12:46 pm
Forum: Investing - Theory, News & General
Topic: Stock Valuations — Is the U.S. Market Now the Global Growth Index?
Replies: 28
Views: 3375

Re: Stock Valuations — Is the U.S. Market Now the Global Growth Index?

There is an article by Jeremy Siegel from 2013 and he says that over the last several years CAPE ratio forecasts have been too pessimistic because recent FASB rulings, particularly mark-to-market rules, have biased Standard and Poor’s reported earnings sharply downward. When alternative earnings ser...
by lemonPepper
Wed Jul 20, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: Anyone Skilled at Redeeming Credit Card Travel Points?
Replies: 25
Views: 2726

Re: Anyone Skilled at Redeeming Credit Card Travel Points?

I used a few different sites: http://thepointsguy.com/ http://millionmilesecrets.com/ https://awardwallet.com While these sites have good information, be careful of them. They are like commission based financial advisors. Most of the advice has conflict of interest. Treat them as advertising
by lemonPepper
Wed Jul 20, 2016 12:25 pm
Forum: Personal Consumer Issues
Topic: Anyone Skilled at Redeeming Credit Card Travel Points?
Replies: 25
Views: 2726

Re: Anyone Skilled at Redeeming Credit Card Travel Points?

with the small number of points you have, I doubt you will be able to do the "best value" redemptions laid out by bloggers.

your home airport and destination will really dictate what is the best use of your points.
by lemonPepper
Tue Jul 19, 2016 4:57 pm
Forum: Personal Consumer Issues
Topic: Anyone Skilled at Redeeming Credit Card Travel Points?
Replies: 25
Views: 2726

Re: Anyone Skilled at Redeeming Credit Card Travel Points?

In terms of easy of use, I find that southwest airlines is hard to beat. And you get something like $16 per 1k points. And you can cancel and get all your points back. But they don't fly everywhere. Hyatt is very good if you value high end hotels (esp in holiday season). They have all inclusives in ...
by lemonPepper
Tue Jul 19, 2016 2:53 pm
Forum: Investing - Theory, News & General
Topic: NY Times article-Shiller on land and homes
Replies: 18
Views: 3053

Re: NY Times article-Shiller on land and homes

I think distinction needs to be made between total returns (assuming dividends and reinvestment) and the resale value. A large portion of return of the stock market also comes from dividends. You don't really do that with a home. Yes there is maintenance but that's not really teh same as reinvesting...
by lemonPepper
Mon Jul 18, 2016 1:51 pm
Forum: Personal Investments
Topic: Investing down payment for car
Replies: 37
Views: 3589

Re: Investing down payment for car

8foot7 wrote:I'd invest it, and then if the market does decline, just wait to buy the car until the market recovers (or buy it on a cheap loan). You can almost certainly do better than 1% and cash for a car, at least for me, would be money I could afford to lose.
I look at this the same way too..
by lemonPepper
Tue Jul 12, 2016 1:07 am
Forum: Personal Investments
Topic: How much do you invest of your net income?
Replies: 25
Views: 4294

Re: How much do you invest of your net income?

one interesting question is how much of your income as a % you need to save to maintain your standard of living at whatever age you decide. I think the % is a very important number as people's habits are hard to change in downward direction. A savings rate affects your nest egg as well as your curre...
by lemonPepper
Sun Jul 10, 2016 1:41 am
Forum: Personal Finance (Not Investing)
Topic: Getting rid of Credit cards
Replies: 34
Views: 4542

Re: Getting rid of Credit cards

I like credit cards because of the protection benefits they offer. I've gotten money back when my cell phone dropped in price or when I had to cancel a trip due to health emergency. Also once i forgot to return something in time and the credit card had "return protection" and I was fully reimbursed....
by lemonPepper
Fri Jul 08, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Your opinion of mint.com
Replies: 55
Views: 7345

Re: Your opinion of mint.com

mint as a product has not made much improvements in many years. Personally I still don't have a godo solution to track my spending. I tried another service called prosper daily and although it's better than mint, it's still a disappointment
by lemonPepper
Wed Jul 06, 2016 1:38 pm
Forum: Personal Investments
Topic: Investing Vs Paying off mortgage-blast from the past
Replies: 3
Views: 625

Re: Investing Vs Paying off mortgage-blast from the past

thanks for posting. It is insightful and concise. I can imagine this topic being very confusing to many of us and there are a lot of biases involved.
by lemonPepper
Thu Jun 30, 2016 7:18 pm
Forum: Personal Investments
Topic: Inflation, mortgage and investments
Replies: 2
Views: 396

Re: Inflation, mortgage and investments

ok I changed my language.

I think low inflation (but not deflation) is highly desirable.
by lemonPepper
Thu Jun 30, 2016 5:34 pm
Forum: Personal Investments
Topic: Inflation, mortgage and investments
Replies: 2
Views: 396

Inflation, mortgage and investments

I'm new to bogleheads. The philosophy I read in the bogleheads book resonates well with me but I was surprised that it does not talk about mortgages much other than it has to be an affordable mortgage. I know that deflation is more dangerous than inflation for the economy. Inflation really works in ...
by lemonPepper
Mon Jun 27, 2016 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Blue Shield of California - HMO vs. PPO
Replies: 26
Views: 5996

Re: Blue Shield of California - HMO vs. PPO

I have been told that docs over treat you when you are on PPO and under treat you when you are on HMO. This is definitely valid with kaiser. So many things to consider in a healthplan. No doubt most poeple get it wrong unless you are have made many of your own mistakes. I wonder if there is a bogleh...
by lemonPepper
Sun Jun 26, 2016 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Blue Shield of California - HMO vs. PPO
Replies: 26
Views: 5996

Re: Blue Shield of California - HMO vs. PPO

OP, can you tell us how your experience was with blueshield? We chose the HMO and have been happy with our decision. Before chosing the HMO, we carefully researched the physicians and facilities in the network, including number of specialists from which we'd be able to choose. We have a primary car...
by lemonPepper
Fri Jun 24, 2016 7:42 pm
Forum: US Chapters
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 117
Views: 61345

Re: San Jose, CA Area Bogleheads Chapter

I'm new to boglehead investing and have been reading a lot of boglehead recommended books. I'd love to attend a San Jose meeting with Bogleheads. When is the next one?
by lemonPepper
Fri Jun 24, 2016 6:48 pm
Forum: Investing - Theory, News & General
Topic: Brexit: What does Vanguard think?
Replies: 29
Views: 7016

Re: Brexit: What does Vanguard think?

I'm tempted to put more money in equities as my portfolio is small ($110k) and I'd love to buy low. I sold $12k worth of gold today and I'm thinking of buying $1k in VSMAX daily
by lemonPepper
Fri Jun 24, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 204
Views: 48446

Re: Liking the new Citi CC at Costco

I never used the costco amex as I thought it was mediocre. I was using the SPG amex to get a better rebate and all the warranty benefits. It's time to dump the spg card as well now. I will switch to this card as I won't have to carry my membership card anymore. I like the 3% at restaurants as well. ...
by lemonPepper
Fri Jun 24, 2016 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Blue Shield of California - HMO vs. PPO
Replies: 26
Views: 5996

Re: Blue Shield of California - HMO vs. PPO

Thinking of switching to blue shield HSA from kaiser hmo. Kaiser really prefers that you don't get any treatment. They even told me since I had a physical last year, I don' t need one this year!

OP, can you tell us how your experience was with blueshield?
by lemonPepper
Thu Jun 23, 2016 6:15 pm
Forum: Investing - Theory, News & General
Topic: How Much To Tilt To Small Value?
Replies: 227
Views: 42359

Re: How Much To Tilt To Small Value?

It is tempting to take historic SV returns and Larry's perspective at face value - boosting the SV "tilt" to maximize returns, and dampen risk by increasing fixed income allocation. But somehow an 80/20 SV/FI allocation seems rather brash. Obviously you believe that SV adds the promise of greater r...
by lemonPepper
Fri Jun 17, 2016 7:05 pm
Forum: Personal Investments
Topic: DFA vs Vanguard
Replies: 5
Views: 1821

Re: DFA vs Vanguard

I came here with the same question. I will invest soem amount in the DFA small cap value fund thru Utah 529 plan. Most of my other investments are in vanguard admiral funds so my overall portfolio still has low expense ratios
by lemonPepper
Mon Jun 13, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Has anyone used Costco car buying service?
Replies: 50
Views: 154852

Re: Has anyone used Costco car buying service?

I used an information package from this website called http://www.fightingchance.com/ This website is more akin to a fee only advisor while others like True car, costco and consumer reports are all middle men and make money from the referrals. There is an inherent conflict of interest. If someone is...
by lemonPepper
Mon Jun 13, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Vacation in Hawaii
Replies: 36
Views: 6064

Re: Vacation in Hawaii

I think my recommendation may not be really valid for November when the area gets huge swells.

You may be better off staying in south side of the island or near kealia beach on east side of kauai
by lemonPepper
Mon Jun 13, 2016 5:52 pm
Forum: Personal Consumer Issues
Topic: Vacation in Hawaii
Replies: 36
Views: 6064

Re: Vacation in Hawaii

Hi OP. I returned from a 4 day vacation to kauai. I took this picture from a helicopter tour and I'd recommend you to find a vacation rental on this beach: Haena Beach Park Here are the reasons: 1. look at the amazing water color! 2. it's not too developed 3. you can see people do amazing surfing in...
by lemonPepper
Mon Jun 13, 2016 5:18 pm
Forum: Personal Consumer Issues
Topic: Solar City Sales-pitch
Replies: 50
Views: 11908

Re: Solar City Sales-pitch

OP, I'm glad you gave a pass to solar city. Solar city is the car salesman equivalent of the solar world. Solar can be useful to people (just like cars) but the people who sell it are not useful. I read one report where < 50% of the cost of solar system is materials. Rest is ads/sales people/project...
by lemonPepper
Wed Jun 08, 2016 12:29 pm
Forum: Personal Investments
Topic: 529 advice for California based family.
Replies: 15
Views: 2653

Re: 529 advice for California based family.

OP. I'm in a similar sitaution. Just started researching 529 and savings for college. Can you tell me what you did and why?
by lemonPepper
Thu May 19, 2016 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Rewards Visa 10k bonus and 5x rewards
Replies: 5
Views: 2860

Re: Wells Fargo Rewards Visa 10k bonus and 5x rewards

Anyone here with experience on how Wells Fargo Rewards Visa works? From the offer, 10,000 bonus rewards points when you spend $1,000 in net purchases the first 3 months your card is opened 5X rewards points on gas, grocery and drugstore net purchases for the first 6 months your card is opened and 1...
by lemonPepper
Thu May 19, 2016 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tip on fees for account "overdrafts"
Replies: 9
Views: 1320

Re: Tip on fees for account "overdrafts"

I've been hit by overdraft fees b/c I used the wrong account to pay my credit card bills. I've concluded that using my BoA account is better than using most other accounts. If my balance goes negative, I get a text message and if I deposit cash before 9 PM EST, then I don't get hit by any fees. I li...
by lemonPepper
Thu May 19, 2016 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Any problems with netspend
Replies: 63
Views: 11050

Re: Any problems with netspend

last year there was an account called union plus or mango. I spent the effort to set it up and do all the transfers. They were payign 5 or 6%. It didn't last. I'm getting a feeling that netspend will be the same way. If you are going to keep 15K for you and your spouse, maybe it's worthwhile. Otherw...
by lemonPepper
Thu May 19, 2016 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Buying in Bay Area (redux)
Replies: 72
Views: 12304

Re: Buying in Bay Area (redux)

My landlord bought his house in the early 70s for 30k. It is now worth around 1.2 mil. Assuming that the rent paid for his taxes and maintenance, he got a 8.5% ROI. IIRC a diversified portfolio would have given the same ROI. So I'm in the camp that one should own a property or two in the bay area f...
by lemonPepper
Wed May 18, 2016 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Buying in Bay Area (redux)
Replies: 72
Views: 12304

Re: Buying in Bay Area (redux)

My landlord bought his house in the early 70s for 30k. It is now worth around 1.2 mil. Assuming that the rent paid for his taxes and maintenance, he got a 8.5% ROI. IIRC a diversified portfolio would have given the same ROI. So I'm in the camp that one should own a property or two in the bay area fo...
by lemonPepper
Wed Feb 18, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: Have you used Ramit Sethi's Courses?
Replies: 30
Views: 10171

Re: Have you used Ramit Sethi's Courses?

The structure of his courses follows a marketing methodology sometimes called "information products". It usually uses techniques from direct marketing like long sales copy, dividing materials into product categories starting with mass market books and a funnel to more higher priced products based o...