Search found 46 matches

by tavore
Mon Feb 24, 2020 2:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22922
Views: 3007391

Re: U.S. stocks in free fall

I love this thread.

Also, I put in some money last week. I got excellent market timing skillzzz!
by tavore
Thu Dec 27, 2018 10:49 am
Forum: Personal Investments
Topic: Is exchanging ETFs for Admiral funds in IRA a wash sale?
Replies: 3
Views: 325

Is exchanging ETFs for Admiral funds in IRA a wash sale?

As the title says, I made my year end IRA contributions, and realized I have enough to turn my 3 ETFs into their corresponding admiral shares. But with the obvious drop in the market since earlier in the year, they've gone under a bit. So would selling them to exchange for their corresponding Admira...
by tavore
Thu Oct 04, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Charles Murray's and Jordan Peterson's book
Replies: 17
Views: 1613

Re: Charles Murray's and Jordan Peterson's book

This thread is still open?

Cursory look - male academics referencing other male academics/writers. Wouldn't you say that excluding insights from at least 50% of the population might give them an incomplete picture, and insufficient counter arguments?
by tavore
Tue Aug 21, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 19135

Re: Good Non-Boring Boglehead Cars Under $30k

Chevy volt - as long as the rebates exist :D
by tavore
Fri Aug 03, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Used Chevy Volt - Which year should I look at?
Replies: 35
Views: 5150

Re: Used Chevy Volt - Which year should I look at?

A final note to this thread - once I tallied up the costs it made more sense to buy a brand new 2018 Volt LT. After dealer/gm/financing discounts + taxes and expenses on the car, minus 7500 federal, 1500 state and 500 pg&e rebates/credits, and taking into account the short-term interest paid, my...
by tavore
Fri Feb 23, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 590
Views: 52672

Re: What UN-frugal thing do you do?

KSOC wrote: Wed Feb 21, 2018 9:25 am Spent $35 on NHL.TV for the last 3rd of the season. Always the best part of the regular season.
Oh - Good idea! I might look into that.
by tavore
Thu Feb 15, 2018 1:53 am
Forum: Personal Consumer Issues
Topic: Used Chevy Volt - Which year should I look at?
Replies: 35
Views: 5150

Re: Used Chevy Volt - Which year should I look at?

Some additional details - we moved to a downtown condo two years ago, and I work from home, with very occasional travel involved. As a consequence, I hardly have a need to drive for the day to day stuff, as everything is pretty much at a short walking distance. In that sense, I have the luxury of be...
by tavore
Thu Feb 15, 2018 1:35 am
Forum: Personal Consumer Issues
Topic: Used Chevy Volt - Which year should I look at?
Replies: 35
Views: 5150

Re: Used Chevy Volt - Which year should I look at?

My brother in law drive a Volt and he now wishes he would have waited for the Bolt. He says he hates that he has to plug it in every single day whereas with a bolt he could drive for multiple days in a row without charging it. If you don't drive a lot, you'll have very low cost of ownership with a ...
by tavore
Tue Feb 13, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Used Chevy Volt - Which year should I look at?
Replies: 35
Views: 5150

Re: Used Chevy Volt - Which year should I look at?

I bought a 2014 Volt last year and have been quite happy with it so far. The major model year difference came in mid-2015 when GM began producing "Gen 2" volts which had a larger and more efficient battery. I think the battery-only range expanded from 38 to 50 something miles. If you buy ...
by tavore
Tue Feb 13, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Used Chevy Volt - Which year should I look at?
Replies: 35
Views: 5150

Used Chevy Volt - Which year should I look at?

I finally need another car, and I've been eyeing Chevy Volts for a long time. I don't want to lease, as my plan to is to keep it for a long time, and I'm not that bothered by technology changes. As long as I can handle the range anxiety, I'm good. Not that I drive a lot - I barely average a couple t...
by tavore
Wed Dec 13, 2017 6:25 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 324
Views: 43857

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

I put in $500 from my hockey fund when BTC was around 4000, and cashed out a few weeks later when it hit 16000. That should cover my playoff tickets, assuming the Sharks make it. :beer I don't like unsteady/unpredictable markets. I'll wait until it stabilizes to get back in. Or if I have leftover pl...
by tavore
Wed Dec 13, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Who is Right Me or Spouse
Replies: 51
Views: 3971

Re: WHO IS RIGHT ME or SPOUSE

WildBill wrote: Wed Dec 13, 2017 4:37 pm Howdy

In general, your wife is always right.

Happy holidays.

W B
+1

But .. I'd give the same amount, and address it to them as a couple. Treat them as a joint entity.
by tavore
Wed Sep 13, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 38027

Re: Iphone X is $1000

I've been holding off on replacing my much-dinged Galaxy S5, and was waiting to see if the new iPhone was worth it. I'm inclined to try an iPhone this time, as it would fit in with the general all-mac ecosystem at home. My primary needs from a phone are security and performance/responsiveness. I don...
by tavore
Tue Sep 05, 2017 5:38 pm
Forum: US Chapters
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 26975

Re: [Are the Bogleheads] getting less interesting?

I'm mostly here when the "Stocks in Freefall" thread pops back. :twisted: That's never boring. Are you like me and click that message before I realize that it is a thread that was started four years ago? :confused :confused Heh ... not anymore. Maybe the first time when I joined Boglehead...
by tavore
Sun Sep 03, 2017 11:17 pm
Forum: US Chapters
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 26975

Re: [Are the Bogleheads] getting less interesting?

I'm mostly here when the "Stocks in Freefall" thread pops back. :twisted: That's never boring.
by tavore
Thu Dec 08, 2016 12:29 pm
Forum: Personal Investments
Topic: Unload Healthcare Fund?
Replies: 36
Views: 3980

Re: Unload Healthcare Fund?

It's one of the few Vanguard funds I have available in my 401K. The rest are all American Funds. I'm going to continue with buy and hold. Unless I see the US move to single-payer / Medicare for all, I feel like the healthcare industry will always find a way to make money.
by tavore
Sun May 15, 2016 1:41 pm
Forum: Personal Consumer Issues
Topic: Free afternoon and evening in San Jose, CA
Replies: 36
Views: 2724

Re: Free afternoon and evening in San Jose, CA

Thursday night is Game 3 of the Western Conference Finals (Sharks vs Blues) in San Jose at HP Pavilion. Expect lots of crowds downtown and people wearing teal in the streets! I'll be at Game 4 on Saturday! Go Sharks! Ahhhh .. I can't make it this round, and traveling next week. I'm so hoping Sharks...
by tavore
Sun May 15, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Should I go to NHL Western Conference Finals game?
Replies: 36
Views: 3877

Re: Should I go to NHL Western Conference Finals game?

Hah .. I wanted to go to either Game 3 or Game 4 of this series in San Jose, but DW vetoed the budget. But I got her to agree that if SJ made it to the Stanley Cup I get to go to atleast 1 game. So here's hoping we get through the Blues!
by tavore
Sat May 14, 2016 9:40 am
Forum: Personal Consumer Issues
Topic: Free afternoon and evening in San Jose, CA
Replies: 36
Views: 2724

Re: Free afternoon and evening in San Jose, CA

If you're spending the week in downtown, check out San Pedro Square. Plenty of options to eat and a popular hangout for the locals. Plus, with both the Warriors and the Sharks (Hockey) in playoffs, you'll have good crowds.
by tavore
Fri Jan 29, 2016 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: A huge "Thank You!" to Bogleheads.
Replies: 2
Views: 888

A huge "Thank You!" to Bogleheads.

Sometime in late 2012 I came across a mention of Bogleheads on a non-financial forum. I checked it out on a whim, and have been forever grateful to that unknown member of the tribe! I was finally beginning to save up enough, and ready to start learning how to manage my and my GF's (now Spouse) finan...
by tavore
Sun Jan 10, 2016 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should I do direct or Backdoor Roth?
Replies: 2
Views: 436

Re: Should I do direct or Backdoor Roth?

Great. I'll plan accordingly. Thanks :-)
by tavore
Sun Jan 10, 2016 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I do direct or Backdoor Roth?
Replies: 2
Views: 436

Should I do direct or Backdoor Roth?

My spouse's income is hard to pin down as it can vary based on overtime or shift availability (nurse). Our combined income this year could vary from 190k to 240k, and I won't know ahead. We will contribute fully to pre-tax 401k/457, and we will also have mortgage interest around 22k - reducing our M...
by tavore
Thu Jan 07, 2016 9:33 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 10952

Re: Jackpot Now Estimated $700 Million, who's in?

The problem with winning is you have to immediately leave your home and hide out, and the rest of your life you are a target for criminals, especially violent criminals. Or you can go the anonymous route...create a trust and put the money in the trust... etc. Not in my state. By law, lottery winner...
by tavore
Thu Jan 07, 2016 9:32 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 10952

Re: Jackpot Now Estimated $700 Million, who's in?

What would be the best way to claim it anonymously? I would definitely not advertise. We've had people we know repeatedly asking us for money, and taking their sweet time returning it, if ever. I'm done being nice on that score.
by tavore
Mon Aug 17, 2015 4:21 pm
Forum: Investing - Theory, News & General
Topic: Robinhood - opinions
Replies: 39
Views: 8693

Re: Robinhood - opinions

Per this blogpost, they make their income by accruing interest on uninvested cash balances and also margin accounts. Someone more knowledgable than me needs to verify if that is correct.

http://www.techlicious.com/blog/robinho ... d-and-ios/
by tavore
Sun Aug 16, 2015 10:58 pm
Forum: Investing - Theory, News & General
Topic: Robinhood - opinions
Replies: 39
Views: 8693

Re: Robinhood - opinions

Yes, it's taxable. I don't believe IRA options are available yet. Hence my plan of buy and hold to minimize dealing with taxes.
by tavore
Sun Aug 16, 2015 10:34 pm
Forum: Investing - Theory, News & General
Topic: Robinhood - opinions
Replies: 39
Views: 8693

Re: Robinhood - opinions

I use Robinhood to buy value stocks every month with a few hundred bucks of play money. I pick the stocks listed by MFI. My plan is to hold them (mostly) for the long haul, so I count this as part of my taxable portfolio. Also potentially (hopefully!!) hockey playoffs ticket funding. :sharebeer As w...
by tavore
Wed Jun 17, 2015 6:28 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 40484

Re: Gifting Money at Parties

But it kinda blows my mind when I see folks having a nice 6 figure income talking about their wedding and baby registries. That's just greed. Despite coming from a completely different cultural background than you (apparently), I was with you until this comment. It is not simply 'greed' to do what ...
by tavore
Wed Jun 17, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 40484

Re: Gifting Money at Parties

I've never been to a wedding as an adult, but it's uneblievable to me that those getting married would expect the guests to subsidize their wedding. I always assume that if I'm invited somewhere, it's because they want me to be there, not os that I can throw some cash their way. Almost every party ...
by tavore
Sat May 23, 2015 4:45 pm
Forum: Personal Investments
Topic: Moderate Growth Lifestrategy Fund to build downpayment?
Replies: 1
Views: 405

Moderate Growth Lifestrategy Fund to build downpayment?

I'm having a hard time letting the home downpayment funds just sit still in a bank. The amount is distributed between mine and DWs accounts, between Ally savings, I Bonds, VCAIX (we're in California), and VTSAX. I was thinking that adding on moderate growth lifetsrategy funds would balance things ou...
by tavore
Mon May 04, 2015 12:05 am
Forum: Personal Investments
Topic: ETF versus Funds
Replies: 32
Views: 4002

Re: ETF versus Funds

In a tax-advantaged account, what if we use ETF's to build enough balance for Admiral shares? Is there any down-side to this? Assuming it is Vanguard funds in Vanguard accounts.
by tavore
Mon Apr 20, 2015 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 15609

Re: Paying for GFs school - any way to help myself?

Wow, I'm surprised at all the jumping to assumptions and judgement on this board. The OP did not ask for relationship advice, just financial. There is something to be said for basic human caring. If he wanted to support his partner, and was willing to do so without expectation of any returns, that i...
by tavore
Tue Apr 07, 2015 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 18805

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

Don't forget Health care workers! Best thing I did to give us a raise was to help DW quit her restaurant job to focus full time on nursing school and the subsequent job search. Now, she works at the county hospital, will probably get paid much better than me, have a pension after 10 years, and gets ...
by tavore
Tue Jan 27, 2015 2:47 am
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 4607

Re: Recommend a clickless mouse

Bonus - they're gentle on your finger joints as well. You won't enjoy going back to the mouse once you get used to it.

http://www.amazon.com/Wacom-Bamboo-Capt ... com+tablet
by tavore
Wed Dec 31, 2014 11:20 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 255
Views: 39970

Re: What do you drive, and why?

1998 Buick Century Ltd, with 123k miles. I bought it 4 years ago for 2200 with only about 107k miles. It's big, comfy, and handles well. Gas mileage isn't too much of an issue as my work commute used to be very short before, and non-existent now (working from home full time). It's been the perfect c...
by tavore
Wed Dec 31, 2014 11:03 pm
Forum: Personal Consumer Issues
Topic: Cheapest Way to Watch Netflix
Replies: 27
Views: 4578

Re: Cheapest Way to Watch Netflix

I just bought myself a refurbished Roku stick for the same price as Chromecast from Amazon. Don't overlook the option of getting it for cheap as refurbished, or used from Amazon Warehouse deals, or from Craigslist.
by tavore
Fri Dec 19, 2014 5:25 pm
Forum: Investing - Theory, News & General
Topic: Robinhood has Zero-Commissions - are you buying stock?
Replies: 37
Views: 14414

Re: Robinhood has Zero-Commissions - are you buying stock?

I'm interested in learning the basics of how to evaluate individual stocks/companies. I already have our Vanguard ROTH IRAs, 401ks, I-bonds and cash savings automated on boglehead principles. This will be a place to put in some play money and try and learn a bit more about investments. I figure I ca...
by tavore
Sat Dec 13, 2014 11:27 am
Forum: Personal Consumer Issues
Topic: Gift to Yourself
Replies: 37
Views: 6568

Re: Gift to Yourself

Hockey Streams account :-)
([removed) --admin LadyGeek] NHL Game Center blackouts ...
by tavore
Tue Nov 04, 2014 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: 401K + traditional IRA + taxes question
Replies: 4
Views: 911

Re: 401K + traditional IRA + taxes question

Thank you all for the replies. I'm aware that I'm eligible to use the full amount for the IRA. I wanted to calculate whether I would be able to save a bit more on taxes using traditional IRA. But I think I will fully invest in ROTH for now, and get the taxes over with. I had received some additional...
by tavore
Sun Nov 02, 2014 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: 401K + traditional IRA + taxes question
Replies: 4
Views: 911

401K + traditional IRA + taxes question

I switched jobs this year and am finally with an employer who provides a 401k, but I was only able to contribute in the last quarter. Can I still use t-IRA to gain additional tax deference? I'll only have about 1200 in 401k by the end of the year (employer match won't kick in until halfway through n...
by tavore
Wed Oct 01, 2014 10:17 pm
Forum: Personal Investments
Topic: Best reduced risk fund for Roth IRA?
Replies: 4
Views: 473

Re: Best reduced risk fund for Roth IRA?

My concern with CDs is that it would lock it in when we might need to withdraw the principal for a possible downpayment. How volatile would TIPS funds (short or intermediate) funds be? I'd like to better understand this so I can take all the potential options to her and see which one she can agree t...
by tavore
Wed Oct 01, 2014 9:51 pm
Forum: Personal Investments
Topic: Best reduced risk fund for Roth IRA?
Replies: 4
Views: 473

Best reduced risk fund for Roth IRA?

I'm working on setting up the investment plan for me and my partner. We're finally in a place to start saving seriously and have no debt, with more than enough for a 6 month backup. We live in the Bay area and rent our apartment. My partner wants to start looking for a house to buy in a year or two,...
by tavore
Wed Sep 24, 2014 10:29 am
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer dilemma in SoCal
Replies: 41
Views: 6307

Re: First Time Home Buyer dilemma in SoCal

VCAIX is a good suggestion. We'll probably split the downpayment sections between that, I-Bonds and Ally savings accounts.
by tavore
Tue Sep 23, 2014 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer dilemma in SoCal
Replies: 41
Views: 6307

Re: First Time Home Buyer dilemma in SoCal

Bay Area (San Jose) here. We're in a somewhat similar situation - double income, renting in relatively nice area that is close for my partners's commute while I work from home, age late 30's/early 40's. We plan to stay in this apartment until we're ready to move into our own home. Considering the ou...
by tavore
Thu Mar 07, 2013 8:58 pm
Forum: Personal Investments
Topic: Newbie, figuring out priorities.
Replies: 1
Views: 335

Newbie, figuring out priorities.

Hello Bogleheads, I've been lurking on this forum for the past few weeks, trying to educate myself, and finally getting some glimmers of understanding. Age - 36, income - 90k ish, good job, but not one with a 401k plan, living and renting in the bay area. Boring life story, but I'm only now in a con...