Search found 1912 matches

by Ketawa
Mon Nov 20, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: Valuation of EE Savings Bonds
Replies: 88
Views: 12609

Re: Valuation of EE Savings Bonds

I agree with willthrill. An EE-bond within a portfolio should be valued as what it is presently worth. For an EE-bond prior to maturity, this would be the face value plus the 0.1% interest accrued thus far. The 3.53% rate is simply a mental accounting for what the 20yr holding period returns; not a...
by Ketawa
Mon Nov 20, 2017 9:08 pm
Forum: Investing - Theory, News & General
Topic: Valuation of EE Savings Bonds
Replies: 88
Views: 12609

Re: Valuation of EE Savings Bonds

I agree with willthrill. An EE-bond within a portfolio should be valued as what it is presently worth. For an EE-bond prior to maturity, this would be the face value plus the 0.1% interest accrued thus far. The 3.53% rate is simply a mental accounting for what the 20yr holding period returns; not a...
by Ketawa
Mon Nov 20, 2017 8:44 pm
Forum: Investing - Theory, News & General
Topic: Valuation of EE Savings Bonds
Replies: 88
Views: 12609

Re: Valuation of EE Savings Bonds

I'm coming to this discussion late, but within a portfolio e.g. for asset allocation purposes like determining stock/bond split, EE bonds should theoretically be valued based on what you would pay for them if they were offered for sale when compared to other investment options, not what the Treasury...
by Ketawa
Mon Nov 20, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6904

Re: Drive it till it dies. It died.

Why on earth would you buy another Murano given this lack of reliability? Exactly! Come on, people. The OP's experience is anecdotal and doesn't apply to the purchase of another Murano except as one data point in the vast number of Murano owners. You might as well ask why anyone on the entire earth...
by Ketawa
Mon Nov 20, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6904

Re: Drive it till it dies. It died.

Why on earth would you buy another Murano given this lack of reliability? Exactly! Come on, people. The OP's experience is anecdotal and doesn't apply to the purchase of another Murano except as one data point in the vast number of Murano owners. You might as well ask why anyone on the entire earth...
by Ketawa
Sat Nov 18, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 5176

Re: Replace TVs with Smart Tvs or not?

Roku has many different options and I checked the website and its BF sales begin on Nov 23. Any particular Roku? With no need for 4K, I would simply buy the new Roku Streaming Stick (model 3800). Another option would be the 2016 Roku Streaming Stick (model 3600) for a small discount. It will probab...
by Ketawa
Mon Nov 13, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Soylent?
Replies: 24
Views: 1930

Re: Anyone Tried Soylent?

I regularly have a bottle of the Soylent drink for breakfast in original flavor. It tastes like bland oatmeal to me and is inoffensive. It's healthier than something like a bowl of cereal and more convenient than cooking breakfast for me.
by Ketawa
Mon Nov 13, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Wireless - Asking for a lower rate
Replies: 21
Views: 2802

Re: Verizon Wireless - Asking for a lower rate

You can switch to a prepaid plan either with Verizon directly or with a reseller. I have Verizon prepaid and pay $40/month for unlimited talk/text and 3 GB of data with rollover data. You can get a better deal with a reseller/MVNO, but Verizon restricts the bandwidth of its resellers to far lower th...
by Ketawa
Sat Nov 11, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 74
Views: 9351

Re: Personal letters to the sellers of your house can work!!!

I think the trustee picked a horrid selling agent as he only had one open house, and buyer's agents had to take their clients over and open the lock box. This is getting off topic, but isn't this simply how sales work these days? There was another long thread discussing agents recently, and buyers ...
by Ketawa
Sat Nov 11, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Excel XIRR Question
Replies: 6
Views: 803

Re: Excel XIRR Question

https://i.imgur.com/vkPupYP.png OP, I tried to recreate your values, but couldn't. You had two typos with years 2027 and 2007, but fixing those does not give your values for XIRR either. I think you have your signs wrong. An IRR calculation is a discounted cash flow analysis. To get your initial ba...
by Ketawa
Fri Nov 10, 2017 8:27 pm
Forum: Investing - Theory, News & General
Topic: Excel XIRR Question
Replies: 6
Views: 803

Re: Excel XIRR Question

Column 1 had more invested at the beginning of the year than Column 2, and both columns invested the same periodic amounts during the year. Therefore, Column 1 had its overall investment more frontloaded in the year. XIRR calculates the return as if all dollars invested during the year earned a flat...
by Ketawa
Wed Nov 08, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insruance Payment
Replies: 29
Views: 2013

Re: Auto Insruance Payment

I have USAA and pay my combined auto, renter's, umbrella, and VPP statement monthly with a credit card. There is no surcharge or discount with other payment options or schedules, so monthly is convenient.
by Ketawa
Tue Nov 07, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest home downpayment which I am not certain when to buy if ever?!
Replies: 62
Views: 4568

Re: Where to invest home downpayment which I am not certain when to buy if ever?!

Regarding the type of account, if you are not maxing tax-advantaged savings (IRA and 401k), then I would increase those contributions. If you do not buy a house, you will be better off having the investments in tax-advantaged. If you do buy a house, you can consider taking out IRA contributions (not...
by Ketawa
Tue Nov 07, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Best strategy for selling cell phone on Ebay?
Replies: 33
Views: 2230

Re: Best strategy for selling cell phone on Ebay?

My thoughts were that eBay gets a lot more potential customers than Swappa or other competitors, so one is more likely to get top dollar in a sale. Also, as a seller, I didn't think I need to worry about being scammed since I can receive payment via Paypal. But so many people here down on eBay has ...
by Ketawa
Tue Nov 07, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 12359

Re: Anyone planning on getting the new Pixel phone?

I took the Sim card out of my old phone, put it in the new phone, and did the online activation from Verizon. It was really simple. You can only do the esim thing on project fi I believe. I think with all the major carriers you will have to use a physical Sim card. If you wouldn't mind, can you sum...
by Ketawa
Tue Nov 07, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Best strategy for selling cell phone on Ebay?
Replies: 33
Views: 2230

Re: Best strategy for selling cell phone on Ebay?

Blueskies123 wrote:
Tue Nov 07, 2017 7:42 am
I have sold two on Gazell. Simple, why hassle with Ebay for $10 more.
I am selling a Pixel XL. Gazelle offers $150, while it goes for $350+ on Swappa. I can buy one on Gazelle for $499. Sure seems like Gazelle would like this business model.
by Ketawa
Fri Nov 03, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: What so scary about TSP loans?
Replies: 23
Views: 2153

Re: What so scary about TSP loans?

Investing and contributions are not restricted to the G Funds while you have a loan. You have the same control over the TSP account. Contributions and loan repayments are both invested according to the account owner's contribution allocations. Regarding your suggestion of the OP waiting 6 months un...
by Ketawa
Fri Nov 03, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: What so scary about TSP loans?
Replies: 23
Views: 2153

Re: What so scary about TSP loans?

I don't think anything is scary about them except for the requirement to repay it if you leave federal service. TSP loans are a tool to access funds in tax-advantaged accounts without any tax consequences. I have taken two loans over the last five years. One was a residential loan to reach a 10% dow...
by Ketawa
Thu Nov 02, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 50
Views: 5638

Re: Considering a LG 55" OLED TV

I have my eye on the LG 65" OLED TV and am considering a purchase around Black Friday. The price on these recently dropped across the board and I'm hoping it falls again. It will replace a 50" Panasonic plasma from 2009. Not to throw too much rain on the idea, but considering the flogging Google and...
by Ketawa
Sat Oct 28, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 12359

Re: Anyone planning on getting the new Pixel phone?

I wasn't even aware of the existence of screen burn-in on phones until the recent round of articles. I checked my Pixel XL, which is about 6 weeks old, and it already has burn-in. I'd never notice it unless I was looking for it. This seems like a non-issue to me. My Pixel 2 XL arrives tomorrow. The...
by Ketawa
Tue Oct 24, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Why [was] QSPIX steadily declining?
Replies: 75
Views: 10972

Re: Why is QSPIX steadily declining?

Because according to Larry Swedroe, you should divide the expense ratio by two for a long-short fund... or at least for this long-short fund... because... uh, because... uh, because... By the way, according to Morningstar the expense ratio is now up to 1.60%. Which, to be fair, they designate as "a...
by Ketawa
Tue Oct 24, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 12359

Re: Anyone planning on getting the new Pixel phone?

Looks like there are some reports of possible screen burn-in on Pixel 2 XL devices after just a week of use. https://www.theverge.com/2017/10/22/16518298/google-investigating-pixel-2-xl-screen-burn-in I wasn't even aware of the existence of screen burn-in on phones until the recent round of article...
by Ketawa
Sat Oct 21, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2713
Views: 530924

Re: What's Your Credit Card Rewards Strategy?

New policy from Chase, active duty military can be exempted from annual fees for cards opened after September 20, 2017 due to Chase's interpretation/implementation of the Military Lending Act (MLA). https://www.doctorofcredit.com/military-lending-act-everything-need-know-annual-fee-waivers-capped-i...
by Ketawa
Fri Oct 20, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Drawback of TOTP (app like Google Authenticator)?
Replies: 22
Views: 2056

Re: Drawback of TOTP (app like Google Authenticator)?

...My main concern has been what I would do if I lost my phone with Authenticator, since there isn't any native support for backup. Google backup codes That only works for Google account access. I have a number of accounts using Google Authenticator without another option for 2FA, so losing my phon...
by Ketawa
Fri Oct 20, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Drawback of TOTP (app like Google Authenticator)?
Replies: 22
Views: 2056

Re: Drawback of TOTP (app like Google Authenticator)?

I never considered this a potential drawback of Google Authenticator. My main concern has been what I would do if I lost my phone with Authenticator, since there isn't any native support for backup. For that reason, I keep around a worthless Nexus 5 that exists solely to run Authenticator if I need ...
by Ketawa
Fri Oct 20, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2713
Views: 530924

Re: What's Your Credit Card Rewards Strategy?

New policy from Chase, active duty military can be exempted from annual fees for cards opened after September 20, 2017 due to Chase's interpretation/implementation of the Military Lending Act (MLA). https://www.doctorofcredit.com/military-lending-act-everything-need-know-annual-fee-waivers-capped-in...
by Ketawa
Tue Oct 17, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 116
Views: 13237

Re: Converting to Safety Razors

I tried switching to a Merkur safety razor, badger brush, and traditional soap several years ago. I was never patient enough to get a good shave in a reasonable time without a lot of nicks. I gave up that experiment after about 3 months. What I found works well for the amount of time and effort I w...
by Ketawa
Sun Oct 08, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1027345

Re: What Movie Have You Recently Watched?

Blade Runner 2049 . I thought it was absolutely stunning, one of my favorites of the year along with Logan and John Wick: Chapter 2 . See it on the biggest screen you can find. It expands on the themes from the original in fascinating ways (what does it mean to be human/have rights, what does it me...
by Ketawa
Mon Sep 25, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Sanity Check on Max Seller Paid Closing Costs
Replies: 3
Views: 525

Re: Sanity Check on Max Seller Paid Closing Costs

Talked to my agent, and I was right. However, the copy I had was still preliminary, and the buyer will be using almost all of the credit.
by Ketawa
Mon Sep 25, 2017 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Sanity Check on Max Seller Paid Closing Costs
Replies: 3
Views: 525

Sanity Check on Max Seller Paid Closing Costs

My home sale is closing today, but I only got to see the closing statement late last night. I provided a max seller contribution towards closing costs of up to 3%. This is standard convention in my area. My understanding is this is typically applied towards things like discount points, VA funding fe...
by Ketawa
Sat Sep 23, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 13185

Re: What is your favorite reasonably priced bourbon?

Maker's 46
Four Roses Single Barrel
Four Roses Small Batch
Eagle Rare
by Ketawa
Fri Sep 22, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Realtor to buy home?
Replies: 36
Views: 3549

Re: Realtor to buy home?

I see this a lot. That simply isn't true. The buyer pays all real estate commission. The buyer pays for the entire house and by extension the real estate commissions... If there is only a 3% commission for buying and selling agents in total, that means you can generally expect a 3% decrease in the ...
by Ketawa
Mon Sep 04, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 117
Views: 12583

Re: Crashplan for Home ending service late 2018

I noticed that ARQ is not running in the background, that means it doesn't continuously backup the data! am I missing something here? The Arq application itself is just a front end to ArqAgent, which is continuously running in the background. ArqAgent should be visible in Task Manager. There is no ...
by Ketawa
Sun Sep 03, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 117
Views: 12583

Re: Crashplan for Home ending service late 2018

I set up regular Backblaze for a trial this weekend but was underwhelmed with the configuration options and default settings, so I'm planning to give Arq a spin. I'm trying Arq and might have it back up to a local hard drive for a while. I like it a lot better than Backblaze, which is just too dumb...
by Ketawa
Tue Aug 29, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 117
Views: 12583

Re: Crashplan for Home ending service late 2018

Sorry, you caught me in the middle of writing my post and it has been clarified. I am still confused. So they charge $50 one time licence fee plus $0.005/GB uploaded plus $0.02 per download (restoring occurrence)? Arq and Backblaze are two separate entities. It's a two party solution: a front end c...
by Ketawa
Wed Aug 02, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Beach condo investing
Replies: 32
Views: 5096

Re: Beach condo investing

I live near the Alabama/Florida coastline. The rental market in the area has been red hot lately. I spoke with a long time condo owner down there the other day and he said that his condo has paid for itself every year for the last decade expect for the year the BP oil spill shut down the coastline....
by Ketawa
Wed Aug 02, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: Best internet service provider in Washington DC area?
Replies: 6
Views: 955

Re: Best internet service provider in Washington DC area?

I am moving to the DC area soon and signed up for Fios. The deal for 50 Mbps up/50 Mbps down was $40/month the first year, $55/month the second year, $65/month after that (I think, 2+ years wasn't clear). I have an extra $5/month off on top of those rates because I'm in the military. I bought one of...
by Ketawa
Wed Aug 02, 2017 9:11 pm
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 285
Views: 26755

Re: Living Off Dividends

Because when you look at how much dividend stocks dropped in the Great Recession, it's obvious that the market didn't think those dividend companies were going to be any better at paying dividends in the future than the market as a whole. Nonsense. We have quotes from the people selling during the ...
by Ketawa
Wed Aug 02, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Help with understanding - pay taxes now or in future
Replies: 59
Views: 4261

Re: Help with understanding - pay taxes now or in future

In my situation, maxing out 401k/403b brings me down from 25% to 15% tax bracket, but at the expense of increasing admin/advisory fees and not a single index fund. I'm trying to decide if a better approach is to simply contribute up to the match, move up to the 25% bracket, and fund Roth and taxabl...
by Ketawa
Wed Aug 02, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 285
Views: 26755

Re: Living Off Dividends

My guess is that dividend stocks are less volatile than the market itself but the difference in volatility is due to factors and not the dividends themselves. It has been conventional wisdom on Wall Street that dividends are a cushion in bear markets, Jeremy Siegel has this view. The thing is, does...
by Ketawa
Wed Jul 26, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 285
Views: 26755

Re: Living Off Dividends

bob_m10 wrote:Side questions, If you reinvest your dividends is it still a taxable event? I assume this would only apply to a taxable account. thanks
Yes, you will still receive a 1099 from your brokerage or mutual fund company reporting the dividends that were paid for your taxable accounts.
by Ketawa
Wed Jul 26, 2017 8:19 am
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 285
Views: 26755

Re: Living Off Dividends

Hi, I am confused as to the advantage of taking dividends vs reinvesting dividends and selling equities? For example say a person is in retirement and is in the withdrawal phase, why not reinvest the dividends and withdrawal ~4% a year? There is no advantage. Dividends are a forced taxable event. O...
by Ketawa
Mon Jul 24, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 146
Views: 14481

Re: Is Amazon Prime worth it?

I have averaged about $5K in spending per year on Amazon over the last 3+ years. It's where I buy basically anything other than what I can find in the grocery store. I often check Jet and Google Shopping, but the selection is usually lacking or Amazon has the best price. The nearest Home Depot, Lowe...
by Ketawa
Mon Jul 24, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: 0 Percent CC - how to take advantage
Replies: 24
Views: 2241

Re: 0 Percent CC - how to take advantage

I appreciate the conservative approach on this site, but I hold a slightly more adventurous position. I had a HELOC that had a promo rate expiring, I was originally planning on paying it off in the next 18 months. I opened new credit cards, leveraged the new credit lines at 0% to pay off the heloc,...
by Ketawa
Sun Jul 23, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: 0 Percent CC - how to take advantage
Replies: 24
Views: 2241

Re: 0 Percent CC - how to take advantage

Hi Ketawa - thanks for the quick response. The min spend is not the issue - will obviously happen. The cash advance for the CC's are limited and don't qualify for the 0 percent offer. Hence the dilemma. My point is there is no dilemma. There's no reason to bother trying to use up the extra 0% limit...
by Ketawa
Sun Jul 23, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: 0 Percent CC - how to take advantage
Replies: 24
Views: 2241

Re: 0 Percent CC - how to take advantage

Meet the minimum spend to get the bonuses on your new cards, then shift your spending back to cards that offer regular cash back or bonus points that you will use, e.g. Citi Double Cash, AMEX Blue Cash Preferred, PenFed Cash Rewards, Chase Freedom, Chase Sapphire Preferred (these are the 5 that I cu...
by Ketawa
Sun Jul 23, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 20521

Re: Dividend Misunderstandings & Only Spend Return

2008, was also was a good demonstration because TSM as a fund existed. TSM down 56%. Dividends are down 21%. Dividends recover 18 months sooner. The dividend investor does less damage to their portfolio by selling than the TSM investor. Even with your rules about only looking at the latest time per...
by Ketawa
Sun Jul 23, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 20521

Re: Dividend Misunderstandings & Only Spend Return

Moreover, I'm not sure exactly what we are testing here. Mostly I figured we were testing a dividend strategy. Given a portfolio this non-diversified (I'm not running a mutual fund) and there are only about 4 industries you are going to have all sorts of issues gumming up the works. ... This isn't ...
by Ketawa
Sun Jul 23, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: Dividends vs buybacks
Replies: 60
Views: 4021

Re: Dividends vs buybacks

Stocks that never pay dividends are worth $0. Can you explain this a bit more. I believe that M$FT didn't pay dividends for decades. The statement has no applicability to the real world. If it was truly impossible for a company to pay a dividend, that could be a problem. In the real world, companie...
by Ketawa
Sun Jul 23, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: When to switch from Roth 401k to traditional 401k
Replies: 21
Views: 2114

Re: When to switch from Roth 401k to traditional 401k

What do Bogleheads consider a "substantial pension"? For instance, I will be eligible for an active duty pension beginning at age 53. At age 50, I will begin collecting a pension from a previous employer. Both pensions would equate to approximately $60-70K per year, combined. Would a $60k pension b...