Search found 4351 matches

by inbox788
Sun Jan 14, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: Pls help - what tablet will work for me?
Replies: 5
Views: 462

Re: Pls help - what tablet will work for me?

Are you really looking for a 2-in-1 laptop, are are you thinking of a tablet and a Bluetooth keyboard? What is your setup at home? You've got to decide if you're looking for a tablet and want to add a bluetooth keyboard or a 2-in-1 or simply a Chromebook. It will be difficult on your budget, but yo...
by inbox788
Sun Jan 14, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 41
Views: 2207

Re: Recommend an A.C. powered auto tire inflator

I use an air compressor bought from Harbor Freight. It's similar to this one but I don't recall if the brand is the same. You can generally buy them at a discount. https://www.harborfreight.com/air-tools/air-compressors/4-gal-2-hp-125-psi-twin-tank-air-compressor-62763.html It's useful for a variet...
by inbox788
Sun Jan 14, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 187
Views: 17267

Re: Why Buy Bonds If You Have A Mortgage?

I borrow 300K from my mortgage to be invested in a 60/40 portfolio. And, if and when I pay off my mortgage, I will move 300K from my 60/40 portfolio to pay off the mortgage. Now, some other folks want to think about the negative bond or whatever does not make any sense to me. There are 2 issue at p...
by inbox788
Sun Jan 14, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: where does one buy "health insurance" in the USA?
Replies: 17
Views: 1116

Re: where does one buy "health insurance" in the USA?

Nothing bad happening is always a good approach. I'm just not sure how I can arrange that. The system is setup so that some folks are best served by not buying insurance until they need it. If something bad happens, emergency rooms can't turn your away, and the no pre-existing condition clause mean...
by inbox788
Sun Jan 14, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: 5-7 year timeframe- Mortgage payoff or taxable account?
Replies: 6
Views: 778

Re: 5-7 year timeframe- Mortgage payoff or taxable account?

How old are you and what is your AA? What is your AA if you treat mortgage as negative bond? What percentage of your monthly income is the mortgage payment? I expect the higher risk/reward thing to do is invest it in the taxable account in your AA. Do you expect you'll get more than 4-5% annual aver...
by inbox788
Sun Jan 14, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 187
Views: 17267

Re: Why Buy Bonds If You Have A Mortgage?

My 60/40 portfolio return on the average of 7% over the last 10 years. I have a 300K 30 years fixed 3.49% mortgage and 1.2 million 60/40 portfolio. The choice is between A) 1.2 million 60/40 portfolio and 300K 3.49% mortgage versus B) 900K 60/40 portfolio with no mortgage The mortgage plus property...
by inbox788
Sun Jan 14, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?
Replies: 39
Views: 4303

Re: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?

I know the best thing to do is add to my 3fund portfolio(VTSAX, VBTLX, VTIAX), which I probably will end up doing with at least most of this money but I'm also just curious about maybe investing in some small-mid caps for potentially more growth with the added risk? What do you guys think? I have t...
by inbox788
Sun Jan 14, 2018 2:10 am
Forum: Investing - Help with Personal Investments
Topic: Help with 529 plan for the next 6-10 years
Replies: 7
Views: 1340

Re: Help with 529 plan for the next 6-10 years

I've taken a different tact, with 529 being a tax-advantaged account where post tax dollars are put in, but earnings are tax-free, I wanted higher potential earning working for me, so I chose 100% equities. I have sufficient flexibility in 401k/tIRA, Roth and taxable accounts so I can increase my bo...
by inbox788
Sat Jan 13, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: Keeping sensitive documents in the cloud -- bad idea?
Replies: 46
Views: 2654

Re: Keeping sensitive documents in the cloud -- bad idea?

Dropbox and Google Drive encrypt your data both on their servers and also when the data is in transit. For very sensitive data, extra measures probably make sense, but for the typical user, I don't know. Dropbox https://www.dropbox.com/security compare https://www.virtru.com/blog/dropbox-encryption...
by inbox788
Sat Jan 13, 2018 11:41 pm
Forum: Investing - Theory, News & General
Topic: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!
Replies: 27
Views: 5366

Re: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!

You could say we have experienced a mini crash in bonds. Well, more like a tiny crash; make that a minuscule crash. Anyway, I'm buying more bonds simply because I'm getting older and gliding towards a higher bond portfolio, so a crash is a good thing just like when stock crashes are good for young b...
by inbox788
Sat Jan 13, 2018 11:27 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 187
Views: 17267

Re: Why Buy Bonds If You Have A Mortgage?

1) If you pay off the whole mortgage, you no longer need to pay your mortgage. You improve your monthly cash flow. 2) If you pre-pay a portion of your mortgage, you still need to pay the same amount of mortgage every month. Hence, you do not improve your monthly cash flow. Furthermore, you tied up ...
by inbox788
Sat Jan 13, 2018 11:14 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 157
Views: 13449

Re: How does everyone keep track of your portfolio?

I use a spreadsheet and manually update it by logging into the accounts, from top to bottom. I keep all the Vanguard funds in the same order as the website to make it faster. Including the logging on, I can update the 'Value' column within 5 minutes. I update the date column at the same time. Every...
by inbox788
Sat Jan 13, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 187
Views: 17267

Re: Why Buy Bonds If You Have A Mortgage?

1) Let's assume that we are not 100% stock and have a reasonable portfolio like 60/40. 2) Are you willing to bet that a 60/40 portfolio will beat 5% for most years? A) Yes, do not pre-pay the mortgage. B) No, pre-pay the mortgage. And, if you choose (A) and it does not work out, you take your loses...
by inbox788
Sat Jan 13, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old - Need help with picking 401k funds
Replies: 15
Views: 951

Re: 25 Year Old - Need help with picking 401k funds

Most of LifePath Index funds' stocks will be U.S. Large, Medium and Small cap stocks at market weight, with ~1/3 of stocks allocated to international equities (at market weight) and ~10% of stocks may even be in REITs, give or take. (A very efficient portfolio that is very Bogleheadish.) I'll also ...
by inbox788
Sat Jan 13, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Getting out of Whole Life Insurance
Replies: 15
Views: 1045

Re: Getting out of Whole Life Insurance

While insurance salespeople aren't the most honest, you should take some responsibility in buying a product you don't fully understand. Maybe I missed it, but how much coverage did you buy? Might be a deal if it's $1B. Why did you buy this specific policy over other choices? Did you comparison shop?...
by inbox788
Sat Jan 13, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Keeping sensitive documents in the cloud -- bad idea?
Replies: 46
Views: 2654

Re: Keeping sensitive documents in the cloud -- bad idea?

In the second case, I would need Boxcryptor to be running on the second computer. I have tested this with a virtual machine and it works fine. I can store and encrypt documents in the cloud or my NAS and access them from another machine. I'm not sure why Boxcryptor is any more secure, especially if...
by inbox788
Sat Jan 13, 2018 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick a bond fund
Replies: 19
Views: 1471

Re: Help me pick a bond fund

I still feel that the Virtue Seis intermediate-term bond fund is the better bond fund in your 403b. The fund is overweight in AAA credit quality U.S. government bonds, compared to its benchmark, and Argentine bonds are just 5.16% of the fund (see the "portfolio" tab for the fund on Morningstar). If...
by inbox788
Sat Jan 13, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 8053

Re: Kodakcoin

Yes, and I keep thinking "they couldn't even give it a good name." KodakCoin is virtually unpronounceable. Given the heritage of Kodacolor and Kodachrome (it has even gotten its name on the landscape, Kodachrome Basin in Utah), they obviously should have called it "Kodacoin." Idiots. They'll probab...
by inbox788
Sat Jan 13, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or Keep a rental condo
Replies: 36
Views: 2409

Re: Sell or Keep a rental condo

Sounds like it's time to sell. I'm a landlord myself so rental real estate doesn't intimidate me at all. How much leverage do you think you have as far as increasing rent? Your numbers would be close to a toss-up for me unless you have upside for rent increases. As someone already said, a 7% return ...
by inbox788
Sat Jan 13, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick a bond fund
Replies: 19
Views: 1471

Re: Help me pick a bond fund

- We are both 49 and both professors who will likely be at our current employers for the rest of our working lives. - We were 100% in equities until I got nervous in May 2017 and moved us to 30-70 (30% equity; 70% mix of bonds, mmkt, and stable value) Looks like you might be stuck with poor fund ch...
by inbox788
Sat Jan 13, 2018 2:21 am
Forum: Investing - Help with Personal Investments
Topic: Help me pick a bond fund
Replies: 19
Views: 1471

Re: Help me pick a bond fund

I suppose we could try: My 403b --> Fidelity Total Market Index Her 403b --> Vanguard Total International Index Vanguard Total Bond Index Either way it will be difficult to balance, and my wife is used to thinking of her 403b as her own diversified portfolio, so looking at our overall portfolio wou...
by inbox788
Fri Jan 12, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Dad's Portfolio
Replies: 6
Views: 1074

Re: Help with Dad's Portfolio

The goals we have agreed on are shown in red. One of the areas I would specifically appreciate comments on is the makeup of his bond portfolio, I am considering moving some of the corporates into government bonds (VCIT to VBTLX). Thanks AA is aggressive for his age, but I assume based on 2% withdra...
by inbox788
Fri Jan 12, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Cell Phone "family plans" Sprint for 4
Replies: 25
Views: 1707

Re: Cell Phone "family plans" Sprint for 4

I just did a speed test and got 13/3 Mbps with less than full connection. I think they are less throttled than you think. Update. It seems all Tracfone Verizon MVNO's are no longer throttled. Total Wireless is a Tracfone company. AFAIK they're all metered plans (Tracfone & Total). Not sure why they...
by inbox788
Fri Jan 12, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: "Emergency Fund" Strategy
Replies: 39
Views: 3919

Re: "Emergency Fund" Strategy

I've rejected the idea of a AA plus an emergency fund and have instead incorporated the EF into the AA. If you are starting out or require a large emergency fund, this may mean shifting the AA significantly. If you've amassed a large portfolio, then it means the EF is insignificant in the context o...
by inbox788
Fri Jan 12, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 126
Views: 20704

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

I will never pay extra to pay off my 15 years fixed mortgage at 2.5%. I think I can do better than 2.5% with my investment. It's financially unwise to pay it off, in my humble opinion, given the opportunity cost. There, I said it. It’s financially unwise to play arbitrage with interest rates and sw...
by inbox788
Fri Jan 12, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Strong Nearsighted Glasses - Tips Requested
Replies: 10
Views: 611

Re: Strong Nearsighted Glasses - Tips Requested

That's a strong prescription. I just got this info from quickly googling answers, so can't vouch for the accuracy, but this calculator predicts a very thick edge, nearly a cm in some cases. How thick is your 1.64 polycarbonate at thickest point? http://64.50.176.246/tools/thickness.php I've seen 1.7...
by inbox788
Fri Jan 12, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Pay off student debt at 1.95% or save for down payment?
Replies: 9
Views: 903

Re: Pay off student debt at 1.95% or save for down payment?

Cash - $10k in Ally savings at 1.25% Debt - $60k student loan at 1.95% / 5 year loan. The way I would think about this is if you had $60k in Ally savings at 1.25%, you could pay off the student loan. The opportunity cost of keeping the cash in the savings account is 0.7% or about $2100 (0.7*$60k*5)...
by inbox788
Thu Jan 11, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Keeping sensitive documents in the cloud -- bad idea?
Replies: 46
Views: 2654

Re: Keeping sensitive documents in the cloud -- bad idea?

For me it is, because I don't trust the current state of information security and I see it only getting worse. Therefore, I store nothing at all there. Same boat here. I have been contemplating using a home server for a while now, but I'm also weary about that. The possibility of sensitive informat...
by inbox788
Wed Jan 10, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Help choosing a hatchback- civic, golf, prius and Volvo V60
Replies: 40
Views: 2115

Re: Help choosing a hatchback- civic, golf, prius and Volvo V60

That being said not surprised to see a lot of SUVs and minivans. They are bought by people with no passion for cars and just looking for a to b transport. That's an understatement. Toyotas have been compared to toasters, and I find value in trustworthy reliable toasters. In case you missed it, the ...
by inbox788
Wed Jan 10, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Help choosing a hatchback- civic, golf, prius and Volvo V60
Replies: 40
Views: 2115

Re: Help choosing a hatchback- civic, golf, prius and Volvo V60

EDIT: Interesting dataset for you ranking cars that original owners keep for 15 years. Prius is #4. Golf is on there as well. https://jalopnik.com/these-are-the-cars-people-keep-for-15-years-1821914343 That's a nice list. I what thinking the list would be filled with "affordable" cars that people w...
by inbox788
Wed Jan 10, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: House water detection and alert system?
Replies: 41
Views: 2495

Re: House water detection and alert system?

I use Ooma (VOIP) for home telephone. They've been pushing home security products lately, but I have been ignoring them. Doesn't quite fit my needs yet or they haven't made products I'd like to install now (I have been looking at camera monitoring systems and hope they'll be coming out with a good s...
by inbox788
Wed Jan 10, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: home inspection on house I already live in?
Replies: 22
Views: 1912

Re: home inspection on house I already live in?

Since OP is the tenant and has access to the house, what does the forum think about OP having the inspector come before making an offer (ie without owner even being involved/aware)? Could that put OP in a position to make a stronger-looking offer, such as by waiving inspection contingency if OP alr...
by inbox788
Wed Jan 10, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with a 25 million windfall?
Replies: 47
Views: 2791

Re: What would you do with a 25 million windfall?

URGENT: Is this $25 Million pre-tax or post-tax? My answers change dramatically depending on your response. Thanks in advance, pre-tax. Oh, that changes everything. Begin with cutting the cable and getting a prepaid phone. I'd pay a dealer to do the timing belt in our Subaru instead of buying the b...
by inbox788
Wed Jan 10, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Sell bonds, pre-pay mortgage instead?
Replies: 10
Views: 777

Re: Sell bonds, pre-pay mortgage instead?

Given the rates, I probably wouldn't pay it off, unless it was weighing on me psychologically. Because the mortgage is like a negative bond, having it effectively reduces your bond allocation. But if you pay it off (with bonds), that will reduce your bond allocation too. In terms of risk profile, y...
by inbox788
Wed Jan 10, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Use HSA money or pay out of pocket?
Replies: 36
Views: 2861

Re: Use HSA money or pay out of pocket?

so there is the problem of having too much HSA money. I am new to HSAs as well this year. I thought I understood that, worst case, if you cant use it all up on medical; after age 65 you can take money out for any reason, you just have to pay regular income tax on withdrawals. i.e. in retirement it ...
by inbox788
Wed Jan 10, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Youtube/Netflix/Browser in Car Dash
Replies: 14
Views: 941

Re: Youtube/Netflix/Browser in Car Dash

It's probably a liability issue. If the manufacturer makes it easy or possible for you to watch videos on the screen from the driver seat, then they open the door to being sued. By not having any such functionality, they pass the responsibility completely to the driver/owner. There are companies out...
by inbox788
Wed Jan 10, 2018 2:43 am
Forum: Personal Consumer Issues
Topic: Help choosing a hatchback- civic, golf, prius and Volvo V60
Replies: 40
Views: 2115

Re: Help choosing a hatchback- civic, golf, prius and Volvo V60

I'm also a bit confused by the idea that a new $25k car will cost less than a used $25k car. My preference is a 2-3 year old, Certified Pre-Owned car with a factory 2 year warranty. You can always find a nice, low mileage example of a better built, more luxurious model for the same money as some co...
by inbox788
Wed Jan 10, 2018 12:42 am
Forum: Personal Consumer Issues
Topic: Help choosing a hatchback- civic, golf, prius and Volvo V60
Replies: 40
Views: 2115

Re: Help choosing a hatchback- civic, golf, prius and Volvo V60

Prius demand is low now, so between fuel economy and market price, it's likely the most economical as well as reliable. Not far behind in reliability is the Civic Hatchback, and my favorite pick simply because of aesthetics. OP, what are your top priorities?
by inbox788
Tue Jan 09, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Use HSA money or pay out of pocket?
Replies: 36
Views: 2861

Re: Use HSA money or pay out of pocket?

Can you explain what you mean by "save paper" and "administrative burden"? I am new to HSAs, but was thinking that it'd accure in an account like retirement, and then later when I have expenses I reimburse myself later. I am not sure what you mean by administrative burden. I'm between 17-27 years f...
by inbox788
Tue Jan 09, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down student loan or mortgage first
Replies: 18
Views: 1129

Re: Pay down student loan or mortgage first

Loan rates and terms? Financially, paying down the loan that costs more is the better choice. Mortgage? Psychologically, paying off a loan is rewarding, so if the rates are close, pay off the smaller loan faster. Student loan?

https://studentloanhero.com/featured/de ... -snowball/
by inbox788
Mon Jan 08, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Smallest % worth Allocating in your Portfolio
Replies: 30
Views: 1983

Re: Smallest % worth Allocating in your Portfolio

I see some people post where they've sliced and diced down to some 2.2% allocation in say intl mid-cap value funds, that strikes me as a bit extreme. At the same time if I were looking to make REIT funds a standalone portion of my portfolio what would be the least meaningful position I could take t...
by inbox788
Sun Jan 07, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Should I invest all right now? (1.4M, 34 yrs)
Replies: 22
Views: 3763

Re: Should I invest all right now? (1.4M, 34 yrs)

I'm 34 yrs and only put 0.1M in stock and manage rest of 1.3M by bond for many years. So far total return is about 3% annually. There haven't any loss but not much return. I've decided to put 0.5M more in ETF of VT. However it seems the market value is too high (Shiller PE Ratio is 33.27) I'm sure ...
by inbox788
Sun Jan 07, 2018 5:07 am
Forum: Personal Consumer Issues
Topic: portable chargers for electronic devices
Replies: 35
Views: 1795

Re: portable chargers for electronic devices

..."effete"... I bought these: RAYOVAC PS73-4BT6 Mobile Battery Power Pack/Portable Rayovac - Portable 16,000 mAh Power Bank – Black Without going back to check, I think they're about 8x3" so not purse-able. effete - that a new word for me, but if the battery pack is powered by AA alkaline batterie...
by inbox788
Sun Jan 07, 2018 4:43 am
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 3992

Re: Downsizing to one car in retirement...

I’m 20+ years away from retirement but am just curious about what happens when both members of a household are retired in terms of cars. Is it better to downsize to 1 car, and if the need ever arises where both members need the car you just use a service like Uber/Lyft etc...? Thinking about it tod...
by inbox788
Sat Jan 06, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Accounting question - "Cash Equivalents" for organization
Replies: 30
Views: 987

Re: Accounting question - "Cash Equivalents" for organization

At the beginning of Q1: Company A: buys $1000 in 3 month CDs and renews each 3 months Company B: buys $1000 in 12 month CDs and renews every 12 months Company C: buys $1000 in 12 month CDs and doesn't plan to renew At the end of Q3/beginning of Q4 each company has 3 months left in their CD. How much...
by inbox788
Sat Jan 06, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is new car replacement insurance worth it?
Replies: 38
Views: 3249

Re: Is new car replacement insurance worth it?

No, chance of payout is extremely low, so unless it was around $1/year, I'd pass on it. Not sure it's worth $10/year, and definitely not $100/year. Your odds might actually be better playing Scratchers Blackout Bingo by buying $100 tickets. Odds of winning $75,000 would be 100 in 1,236,000 or 1/12,3...
by inbox788
Sat Jan 06, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: portable chargers for electronic devices
Replies: 35
Views: 1795

Re: portable chargers for electronic devices

There is also the hand cranked generators often with a radio and flashlight. This would be an awful lot of cranking for all of the devices you mentioned however. Get this and you won't have to crank: http://www.goalzero.com/p/140/goal-zero-yeti-1250-solar-generator OP, seriously, portable power sol...
by inbox788
Sat Jan 06, 2018 3:17 am
Forum: Investing - Help with Personal Investments
Topic: Using call options to hedge currency risk
Replies: 10
Views: 502

Re: Using call options to hedge currency risk

There's 2 lines of thought. In general, insurance is a losing bet, so don't waste your money. On the other hand, if the market is truly efficient, you're paying a fair price for the risk, so it's a break even proposition, plus you get better worst case risk outcomes. Your choice as to which you beli...
by inbox788
Sat Jan 06, 2018 12:51 am
Forum: Investing - Help with Personal Investments
Topic: Using call options to hedge currency risk
Replies: 10
Views: 502

Re: Using call options to hedge currency risk

Isn't it simpler to convert some funds to Euro? How long do you need "insurance"?