Search found 32946 matches

by Valuethinker
Sun Nov 26, 2017 10:20 am
Forum: Forum Issues and Administration
Topic: What happens when you speak in TICKER language.
Replies: 50
Views: 10115

Re: What happens when you speak in TICKER language.

November 2017: Resurrecting this old thread because ticker speak is once again rampant. Once again, an unusual number of new people are speaking TICKER language. I think you/they are doing it because you/they see others do it and you/they think that is how things are supposed to be done. It's not. ...
by Valuethinker
Sun Nov 26, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 86
Views: 5653

Re: Interesting ride so far - Crypto-curriencies

The dividends you will receive from currency spinouts will more than pay for the cost of the investment. In fact, since these currencies can split infinitely, your profits could go to infinity. All you need are more buyers such as hedge funds and CME speculators. In one of these threads about bitco...
by Valuethinker
Sun Nov 26, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 86
Views: 5653

Re: Interesting ride so far - Crypto-curriencies

It's really fortunate with cybercurrencies that, since there is no leverage, none of the steps below can take place. https://www.investopedia.com/articles/stocks/10/5-steps-of-a-bubble.asp Minsky's Theory of Financial Instability The economist Hyman P. Minsky is certainly no household name. However,...
by Valuethinker
Sun Nov 26, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Physician & Real Estate investor seeks advice
Replies: 82
Views: 8092

Re: Physician & Real Estate investor seeks advice

H 3) Build a multi-million dollar company unrelated to medicine 3) is clearly the best option. I would save everything I could (and perhaps speculate in cybercurrencies). The reason being that if you need external investors to your business, i.e. Venture Capitalists, they will use legal mechanisms ...
by Valuethinker
Sun Nov 26, 2017 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10720

Re: Didn't buy Bitcoin at $4600

A bubble for sure, but hard to call the top. There is a large body of economic opinion, and former Chairman of the Federal Reserve Alan Greenspan would be among those, that you can only tell a financial bubble in retrospect. Greenspan is undoubtedly the most famous Chairman of the Federal Reserve i...
by Valuethinker
Sun Nov 26, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10720

Re: Didn't buy Bitcoin at $4600

I was sitting in a cafe a couple of months ago, I didn't buy Bitcoin when it was $4600 per Bitcoin. I even had my bank info authenticated the few days prior. I think my PC battery died and I went to the gym instead. I don't really need the money, but I'd be lying if I said I don't feel a twinge of ...
by Valuethinker
Sun Nov 26, 2017 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 86
Views: 5653

Re: Interesting ride so far - Crypto-curriencies

Can someone explain how these cryptocurrencies such as bitcoin will be used for everyday transactions when the price is extremely volatile, transactions slow and expensive, limited acceptance, complex to use for everyday people, potential restrictive regulations etc? How will these cryptocurrencies...
by Valuethinker
Sun Nov 26, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 86
Views: 5653

Re: Interesting ride so far - Crypto-curriencies

I'm a staunch Dividend Growth Investor but decided in August to place 3.5% of my aftertax investment fund allocation into Crypto-currencies. My mix is 78.1% Bitcoin; 2.3% Bitcoin-Gold (hardfork) and 19.1% Ethereum. My original investment has increased 69.7% since the August 2017 entry date. Quite t...
by Valuethinker
Sun Nov 26, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10720

Re: Didn't buy Bitcoin at $4600

I was sitting in a cafe a couple of months ago, I didn't buy Bitcoin when it was $4600 per Bitcoin. I even had my bank info authenticated the few days prior. I think my PC battery died and I went to the gym instead. I don't really need the money, but I'd be lying if I said I don't feel a twinge of ...
by Valuethinker
Sun Nov 26, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10720

Re: Didn't buy Bitcoin at $4600

I purchased a handful in mid August at $4,200 along with Ethereuem. So far, it's a great investment. I am holding as I think it's going much higher now that hedge funds and the CME are getting involved. Now that they are involved, it could easily go to $50k or $100k. The investment case, given the ...
by Valuethinker
Sat Nov 25, 2017 8:16 am
Forum: Investing - Help with Personal Investments
Topic: GE - a good value?
Replies: 102
Views: 8342

Re: GE - a good value?

Yup. Nortel fell from $125 to $25 and I "anchored" on that. This stock was once nearly 25% of the Canadian stock index, and the world's largest or 2nd largest telecoms equipment maker (before Alcatel-Lucent merger). Sold it in a charity sale for $0.01 a few years later. You didn't hang around for t...
by Valuethinker
Sat Nov 25, 2017 7:38 am
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 23
Views: 1881

Re: International Bonds

I will be very interested in this asset class in 10 years, if within that 10 years the bank of japan and the european central bank stop flooding the market with their bonds . I found this to be very confusing. The European Central Bank, through a programme of Quantitative Easing, is buying up Euroz...
by Valuethinker
Wed Nov 22, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 86
Views: 5653

Re: Interesting ride so far - Crypto-curriencies

I'm a staunch Dividend Growth Investor but decided in August to place 3.5% of my aftertax investment fund allocation into Crypto-currencies. My mix is 78.1% Bitcoin; 2.3% Bitcoin-Gold (hardfork) and 19.1% Ethereum. My original investment has increased 69.7% since the August 2017 entry date. Quite t...
by Valuethinker
Tue Nov 21, 2017 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Holding CHF at Everbank?
Replies: 10
Views: 1018

Re: Anyone Holding CHF at Everbank?

Just received a terms and conditions update from Everbank in the mail. It seems they want nothing to do with my filthy Swissies anymore. Starting mid-December they will impose a 2% per month maintenance fee on WorldCurrency Access accounts denominated in CHF. I logged in with plans to roll my CHF i...
by Valuethinker
Tue Nov 21, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: GE - a good value?
Replies: 102
Views: 8342

Re: GE - a good value?

OP What makes you believe that you know more than everyone else including Wall Street full time traders? What specifically you see that all of other people can not see? It's called anchoring. GE was once at $60, so it's easy to be led to believe that the "intrinsic" value of GE is just that. https:...
by Valuethinker
Tue Nov 21, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 2897

Re: LED Lightbulbs - Recommended Brands

I was counting on my relatively high cost CFL's to amortize out in 25 years and I only got 15. :annoyed. Yeah CFL's will go (or have already gone) down in history as one of the great energy saving technology failures. They lasted nowhere near as long as they were supposed to because that duration w...
by Valuethinker
Tue Nov 21, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 2897

Re: LED Lightbulbs - Recommended Brands

My house is (with one minor and one larger exception) all LED since a couple of years ago. I am almost entirely in Switch bulbs, which are now no longer available mostly. I have never had a bulb failure and have no complaint in any application including enclosed bulbs on dimmers and three-way bulbs...
by Valuethinker
Tue Nov 21, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 2897

Re: LED Lightbulbs - Recommended Brands

I was counting on my relatively high cost CFL's to amortize out in 25 years and I only got 15. :annoyed. Yeah CFL's will go (or have already gone) down in history as one of the great energy saving technology failures. They lasted nowhere near as long as they were supposed to because that duration w...
by Valuethinker
Tue Nov 21, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: GE - a good value?
Replies: 102
Views: 8342

Re: GE - a good value?

There was a recent discussion if you search. If anyone here works for GE, they could be in bad trouble if they comment on the company: - breach of own internal code of conduct re discussion of the company (I do not discuss my employer on Facebook, do you?) - possible breach of SEC insider dealing ru...
by Valuethinker
Tue Nov 21, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)
Replies: 17
Views: 1135

Re: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)

Again, thanks for the information. Also: with the new model coming out, there are some crazy cheap lease deals on 2017 models. What offers did you see? The offer I found is 229 per month for 36 months plus 2,000 due at signing. That will add up to over ten thousand US dollars. Is that really a good...
by Valuethinker
Tue Nov 21, 2017 6:53 am
Forum: Investing - Theory, News & General
Topic: WSJ commentary about declining # of publicly traded companies
Replies: 40
Views: 3669

Re: WSJ commentary about declining # of publicly traded companies

What do others think? Has Jack Bogle commented on this? Two unbiased, comprehensive papers on this subject, both published fairly recently: • From Credit Suisse Bank: The Incredible Shrinking Universe of Stocks • From an economics journal: Is the US Public Corporation in Trouble? Though the univers...
by Valuethinker
Tue Nov 21, 2017 6:51 am
Forum: Investing - Theory, News & General
Topic: WSJ commentary about declining # of publicly traded companies
Replies: 40
Views: 3669

Re: WSJ commentary about declining # of publicly traded companies

The concern seems to be that the public stock market is becoming an inadequate stand-in for the overall equity universe. But I suspect "number of public companies" is probably not the best metric to address that question. -M&A activity will affect the number of companies but doesn't necessarily ind...
by Valuethinker
Tue Nov 21, 2017 6:34 am
Forum: Investing - Theory, News & General
Topic: Holding VTSAX only
Replies: 46
Views: 5719

Re: Holding VTSAX only

Even better go 50/50 VTSAX/VTIAX and call it a day. Add Total Bond funds when you get older. Simple.... At least some percentage of international stocks, it's a big world and currently over 6k stocks in Vanguard's Total International Stock Index. I keep referencing this thread from Mr. Larimore: ht...
by Valuethinker
Tue Nov 21, 2017 6:33 am
Forum: Investing - Theory, News & General
Topic: Holding VTSAX only
Replies: 46
Views: 5719

Re: Holding VTSAX only

Even better go 50/50 VTSAX/VTIAX and call it a day. Add Total Bond funds when you get older. Simple.... The older I get the more I realize how I like this appraoch. I currenly have 70% VTSAX, 25% VTIAX, 5% VBTLX (only about 2k worth) but I wonder, what is even the point of keeping 2k there? Im 27 y...
by Valuethinker
Tue Nov 21, 2017 6:20 am
Forum: Investing - Theory, News & General
Topic: WSJ commentary about declining # of publicly traded companies
Replies: 40
Views: 3669

Re: WSJ commentary about declining # of publicly traded companies

One of the dynamics that isn't given full credit is simply where we are in the current cycle. This is the longest bull market in history. Bull markets drive consolidation as companies run out of sufficiently compelling organic opportunities, fatigue on buybacks and are wary of increasing their divi...
by Valuethinker
Tue Nov 21, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 2897

Re: LED Lightbulbs - Recommended Brands

onourway wrote:
Tue Nov 21, 2017 5:55 am
I replaced all of the bulbs in our house with Philips brand LED between 3-5 years ago. Not a single failure yet.
That has been my experience with Philips bulbs (in Europe).
by Valuethinker
Tue Nov 21, 2017 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Newly built home. sell or rent?
Replies: 29
Views: 1889

Re: Newly built home. sell or rent?

I'll be getting married early next year. My fiancee built a home ~6 months ago in St. George, UT (where she's been living and working). After we get married, we will be moving to Chicago so I can continue my grad program at U of Chicago (~2 years to go). We are struggling to know what to do with he...
by Valuethinker
Tue Nov 21, 2017 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)
Replies: 17
Views: 1135

Re: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)

The words we are questing for are "Disruptive Innovation" ;-). As per Clayton Christensen (wikipedia is good on this topic as an introduction "The Innovator's Dilemma"). An EV does some things better than an ICE car and is markedly inferior in other ways. Once EVs are comparably priced to ICE cars,...
by Valuethinker
Tue Nov 21, 2017 5:00 am
Forum: Investing - Help with Personal Investments
Topic: BOTZ ETF
Replies: 6
Views: 603

Re: BOTZ ETF

And no US Robotics?

OK it's an OTC stock. But surely the maker of the Roomba is deserving of a place?
by Valuethinker
Mon Nov 20, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 155
Views: 14000

Re: Is holding bonds now dangerous?

for example Vanguard's 2030 target fund is 28% bonds. If I were to retire in 13 years, I don't think I'd want 28% and an increasing percentage of my assets in bonds that are very likely to lose money in real terms between now and then. I don't think it is highly likely that intermediate term bonds ...
by Valuethinker
Mon Nov 20, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 155
Views: 14000

Re: Is holding bonds now dangerous?

I can't really argue that 10% bonds does much good. However, I have in the past noticed more than one post by people who opted for 100% stocks and are still at 100% stocks five years before retirement, and not quite sure what to do, because they feel that it is time to have a bond allocation, but a...
by Valuethinker
Mon Nov 20, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 155
Views: 14000

Re: Is holding bonds now dangerous?

One aspect of bond risk not commented upon is the liquidity risk. There has been discussion of this in the press including by El-Erian. it seems to difficult to judge. But apparently it does exist. TJSI It's not really a risk for the small investor. It's not a risk with holdings of US Treasury bond...
by Valuethinker
Mon Nov 20, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)
Replies: 17
Views: 1135

Re: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)

Though I am late to the electric party, late is better than never. I keep hearing about the advantages of battery-powered cars. No longer will I be left out. None of that is really true? You are not late, for cars that have less than 1% market share. I might as well say "I am late to the steam car ...
by Valuethinker
Mon Nov 20, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: what should I change??
Replies: 13
Views: 1322

Re: what should I change??

Need advice on whether I should change anything with my personal finance situation: We are a family of 3 (mid 30’s with a 3 year old). Combined earnings $400k a year Save $60k in 401k and Roth and $40k in espp House is $700k and own 25% ~ $600k in retirement accounts ~ $100k in savings account ~ $2...
by Valuethinker
Mon Nov 20, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)
Replies: 17
Views: 1135

Re: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)

Though I am late to the electric party, late is better than never. I keep hearing about the advantages of battery-powered cars. No longer will I be left out. None of that is really true? You are not late, for cars that have less than 1% market share. I might as well say "I am late to the steam car ...
by Valuethinker
Mon Nov 20, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)
Replies: 17
Views: 1135

Re: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)

Though I am late to the electric party, late is better than never. I keep hearing about the advantages of battery-powered cars. No longer will I be left out. I have decided a used Leaf will be my next and only car. My question to those of you in the know is about learning. I am sure the internet ab...
by Valuethinker
Mon Nov 20, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Temperature setting for radiant floor heat
Replies: 13
Views: 1184

Re: Temperature setting for radiant floor heat

My kitchen only had a toe-kick element under the sink cabinet as the source of heat. I found this very inadequate and after some research I opted to install radiant floor heat in my kitchen. My kitchen floor is the old fashion 3/4" oak flooring. It was a semi-DIY project. I purchased all the compon...
by Valuethinker
Mon Nov 20, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Contemplating offer on a house with SolarCity lease
Replies: 23
Views: 2024

Re: Contemplating offer on a house with SolarCity lease

I did the SolarCity thing - but I'm not quite sure if it's the same thing we are talking about here. SolarCity put panels on my roof (I replaced the roof before the panels went on because it was about 20 years old at that point) and I paid nothing for the panels. I now pay SC a reduced rate for the...
by Valuethinker
Mon Nov 20, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Contemplating offer on a house with SolarCity lease
Replies: 23
Views: 2024

Re: Contemplating offer on a house with SolarCity lease

That moment when you wonder if you've made a terrible mistake... I did the SolarCity thing - but I'm not quite sure if it's the same thing we are talking about here. SolarCity put panels on my roof (I replaced the roof before the panels went on because it was about 20 years old at that point) and I...
by Valuethinker
Mon Nov 20, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3116

Re: Electric Car (Nissan Leaf) for a teen driver?

Daughter #2 is about to earn her learners permit and I'll soon be having to think about what kind of car to get her. Our oldest daughter got her mother's hand-me-down 10-year old CR-V. But we don't have any cars ready to hand down at this point so we will need to find something for Daughter #2. Her...
by Valuethinker
Mon Nov 20, 2017 6:09 am
Forum: Investing - Theory, News & General
Topic: Question about Vanguard Total Bond Market ETF (BND)
Replies: 9
Views: 1354

Re: Question about Vanguard Total Bond Market ETF (BND)

It doesn't hold more corporates because the Bloomberg Barclays U.S. Aggregate Float Adjusted Index which the fund tracks does not include more corporates. Including more corporates would cause tracking error (positive or negative) relative to the investment goal. You may be interested in the Vangua...
by Valuethinker
Mon Nov 20, 2017 5:50 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 12956

Re: The valet smashed my Tesla into a brick wall!

In addition to diminished value you should also consider the depreciation of the car if it is in the shop for six months waiting for parts. Here's where I might be able to help. I would think that a Tesla forum would have information on availability of parts and repair techniques and manufacturer r...
by Valuethinker
Mon Nov 20, 2017 5:37 am
Forum: Investing - Theory, News & General
Topic: AI/Machine Learning/Deep Learning in Investing
Replies: 8
Views: 1043

Re: AI/Machine Learning/Deep Learning in Investing

Hopes101 wrote:
Sat Nov 18, 2017 8:52 am
I heard the programs are being developed in both academic and private setting. Are there any programs available to personal investors?
Not AFAIK.

It's worth reading Andrew Lo's book on Adaptive Markets.
by Valuethinker
Mon Nov 20, 2017 5:36 am
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 101
Views: 11216

Re: Buying and Spending Bitcoin

One thing I am learning is that there is a different set of knowledge to buy and use bitcoin than there is for understanding the theory behind it. A few months ago I watched the Khan Academy videos and read a bunch of stuff about bitcoin and blockchain. (See thread: What is Bitcoin? ) So I have a p...
by Valuethinker
Sun Nov 19, 2017 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: help assessing risk of promissory note w/ Techshop, Inc.
Replies: 44
Views: 8214

Re: help assessing risk of promissory note w/ Techshop, Inc.

I am disappointed that they closed. They never communicated well with investors. And now they suddenly closed and have failed to answer back to my emails. I'd also like to know the next step in this. Would hiring an attorney help get some answers from the management at Tech shop on what investors c...
by Valuethinker
Sat Nov 18, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 155
Views: 14000

Re: Is holding bonds now dangerous?

I would like to get a sampling of what people think about investing in bonds in the current environment. For the past 35 or so years, bond yields have on average declined, which has meant that bonds are both safe in terms of principal/interest and have also appreciated. However with interest rates ...
by Valuethinker
Sat Nov 18, 2017 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Bitcoin
Replies: 131
Views: 11123

Re: Bitcoin

When you own companies that are profitable, those businesses grow in size. You receive dividends which when reinvested buy you more shares. If you buy 1 bitcoin, in 100 years you'll still just have 1 bitcoin. The value of that bitcoin may be more than you paid for it. But that's still gambling, not...
by Valuethinker
Fri Nov 17, 2017 7:36 am
Forum: Investing - Theory, News & General
Topic: Goldman Sachs mulls the death of the value factor
Replies: 18
Views: 2138

Re: Goldman Sachs mulls the death of the value factor

An interesting article from from GS explaining the reasons why value has underperformed for a long spell: https://www.bloomberg.com/news/articles/2017-06-08/goldman-sachs-mulls-death-of-value-investing-after-losing-decade . GS believes a conjunction of macroeconomic factors and monetary policy are ...
by Valuethinker
Fri Nov 17, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3903

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

The salary bump from this move MAY have an effect on the pay at any subsequent jobs that you may or may not get. Do you expect this to be your final company? Ralph Interesting - how are you thinking of that? That a bump going to a HCOL area would help later? Or hurt? Odds that this is my final comp...
by Valuethinker
Fri Nov 17, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3903

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

here are lots of good private colleges in New England and the Mid-Atlantic states, probably more than in many other parts of the country. There's even one in New Haven ;-) ... I was thinking of the cost issue. Although private colleges are famous, I suspect the majority of Americans actually attend...