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Re: VTI went up, but VTSMX went down

TheTimeLord wrote:
InvestorNewb wrote:Please post the full names of the funds instead of only the tickers.


Your post is ironic given your signature.

Also, given numerous previous posts.
by slbnoob
Sat Dec 20, 2014 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: VTI went up, but VTSMX went down
Replies: 14
Views: 1181

Re: No Foreign Fee Credit Card - Exchange Rate

You might also consider availability of a Chip+Pin feature to use it in Europe (if you're going there). I've used the PenFed Visa Signature Rewards and found the exchange rate to be very good. Note that the reward category didn't perform the intended way in foreign countries because the merchants ar...
by slbnoob
Tue Dec 16, 2014 8:45 pm
 
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 15
Views: 1167

Re: Auto and Home Insurance Quotes

Does anyone know what happens to the dividends if one cancels their homeowners policy with Amica mid-year? Also, I understand that dividends are paid at renewal. However I can always cancel my policy after renewal, right, pocketing the dividend for the past year?
by slbnoob
Mon Dec 15, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Auto and Home Insurance Quotes
Replies: 14
Views: 1153

Re: Energy sector

Nope, this isn't round tripping. Baker Hughes was created in 1987 as the merger of two other firms, each of which had been independent for over a hundred years. The merger puts Halliburton in the number 1 slot, displacing Schlumberger. Most of the oil companies are pretty unhappy about this; there ...
by slbnoob
Mon Dec 15, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Energy sector
Replies: 55
Views: 4185

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

I just got an account recently. They have stocks and ETFs, no mutual funds that I looked for. I confirmed with them that they currently do not support retirement accounts (Roth IRA). With that, I possibly do not have much use for this account, but would still keep it for the future when they support...
by slbnoob
Mon Dec 15, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Robinhood has Zero-Commissions - are you buying stock?
Replies: 33
Views: 6655

Re: Estimated year-end distributions for Vanguard funds and

I'd suggest you edit the post to include the last '4' in the link. Otherwise people clicking on the link wouldn't get to the intended page. In the meantime, copy/paste.
by slbnoob
Tue Dec 09, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Estimated year-end distributions for Vanguard funds and ETFs
Replies: 4
Views: 635

Re: Credit card sign-on bonuses -- worth the trouble?

US Airways is now offering 50K with one use and annual fee only. I'm thinking of jumping on this. Rather I'll make my wife do it :) Their award travel dates seem a lot better behaved when compared to United.
by slbnoob
Mon Dec 08, 2014 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 5910

Re: Credit card sign-on bonuses -- worth the trouble?

After getting a mortgage recently, I have opened myself up to the credit card churning game. I got a PenFed Platinum for its 5% gas, 3% grocery (actual 4.2% and 2.4%) and no FTF for foreign travel. No bonus here and I paid for PenFed membership. With the same credit hit, I got the PenFed AMEX for 5...
by slbnoob
Mon Dec 08, 2014 12:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 5910

Re: Credit card sign-on bonuses -- worth the trouble?

After getting a mortgage recently, I have opened myself up to the credit card churning game. I got a PenFed Platinum for its 5% gas, 3% grocery (actual 4.2% and 2.4%) and no FTF for foreign travel. No bonus here and I paid for PenFed membership. With the same credit hit, I got the PenFed AMEX for 5%...
by slbnoob
Sun Dec 07, 2014 11:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 5910

Root or mod Galaxy S3

I have an ATT Samsung Galaxy S3 which I have unlocked and now use on Consumer Cellular. Since it has been more than 2 years since I got the phone, I was thinking I should "re-charge" my phone by rooting/modding it. I know there are many resources elsewhere but I wanted to get the Boglehead...
by slbnoob
Thu Dec 04, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: Root or mod Galaxy S3
Replies: 3
Views: 542

Re: Has anyone seen this? Rich By Friday News Letter

Not trying to be sneering at anyone but frankly I was very surprised at the OP for posting that in spite of being a member since 2010 of this forum.
by slbnoob
Thu Dec 04, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone seen this? Rich By Friday News Letter
Replies: 15
Views: 894

Re: Trade off by $0.01

My post above just kind of got lost. I mentioned that I was explicitly charged an SEC fee of $0.01 for selling ETFs. Perhaps the OP should check their transaction statement (the PDF).
by slbnoob
Mon Dec 01, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Trade off by $0.01
Replies: 25
Views: 2439

Re: Trade off by $0.01

I did an ETF trade recently (my first sell) and noticed a "Securities transaction fee" of 0.01 which reduced my sell proceeds by a cent.
by slbnoob
Fri Nov 28, 2014 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: Trade off by $0.01
Replies: 25
Views: 2439

slicedinvesting.com : access to hedge funds

Came across this today through someone I know who's working for this company: http://www.slicedinvesting.com/ They offer access to hedge funds with much smaller minimums to further "diversify portfolios". In their blog, they do show plots of underperformance wrt S&P500 but attribute it...
by slbnoob
Sun Nov 23, 2014 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: slicedinvesting.com : access to hedge funds
Replies: 4
Views: 460

Re: Experiences using VRBO, Airbnb internationally

I used only AirBnB for Paris, Amsterdam, Brussels. Would not do anything else. I also considered it for Iceland. Strongly recommended. Read reviews, contact a few and then decide. Location (for the price) was primary for me.
by slbnoob
Sun Nov 23, 2014 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Experiences using VRBO, Airbnb internationally
Replies: 26
Views: 2188

Re: Heads up one of the better reward credit card I've seen.

I have a question about the Sallie Mae CC when it says 'book stores' does that include Amazon and everything they sell for instance electronics etc..? Edit: asked and answered: I looked it up, seems as if Amazon sales count as long as they are sold directly from Amazon and not a third party operati...
by slbnoob
Wed Nov 19, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 8357

Re: $400 reward to open Chase accounts

To answer my own question, I got mine too after an ACH push from a CU account which gets my payroll direct deposit. That ACH push though cost me $2 :) but I had to do it since I had to push >$500 in "direct deposit".
by slbnoob
Fri Nov 14, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 41
Views: 10668

Re: HSA strategy

Actually, there's some different advice in this thread: Bogleheads • View topic - Confused by Wiki Advice on HSA Spending Not really. I had read that thread and in fact that prompted me to make this thread. I would say those are two different situations. Again, I am not really utilizing the full va...
by slbnoob
Fri Nov 14, 2014 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA strategy
Replies: 8
Views: 1409

Re: Double Cash Credit Card from CITI

Louis Winthorpe III wrote:Is this exclusively a Mastercard or can it also be issued as a Visa?

From what I've seen on a different forum, it is a Mastercard.
In fact it is one of the primary reasons why Citi is not allowing other (VISA) cards to be "product changed" to this.
by slbnoob
Thu Nov 13, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Double Cash Credit Card from CITI
Replies: 19
Views: 2545

Re: Double Cash Credit Card from CITI

I wanted to ask why was that in doubt? Because it's not really 2%. Its 1% + 1%. If you redeem rewards then you're not getting that second 1% on every dollar spent on purchases. Probably close enough to 2% for most though. Yes, I know that. My comment was more tongue in cheek. If you redeem as state...
by slbnoob
Wed Nov 12, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Double Cash Credit Card from CITI
Replies: 19
Views: 2545

Re: HSA strategy

I have Chase HSA through my employer with horrible choices If I'm not mistaken one can transfer, say annually, your contributions to another, better HSA. So a hybrid approach would be to use the employer contributions for current medical expenses and allow your contributions to grow in another HSA....
by slbnoob
Wed Nov 12, 2014 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA strategy
Replies: 8
Views: 1409

HSA strategy

Currently, I max out Roth IRA and employer match 401K. I cannot max out the 401K. I have Chase HSA through my employer with horrible choices. Till now I haven't made any contributions to that other than my employer's. I am trying to prepare for some upcoming medical expenses in 2015. I will pay dent...
by slbnoob
Wed Nov 12, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA strategy
Replies: 8
Views: 1409

Re: Double Cash Credit Card from CITI

I wanted to ask why was that in doubt?
by slbnoob
Wed Nov 12, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Double Cash Credit Card from CITI
Replies: 19
Views: 2545

Re: PIMCO Total Return Fund-PTTDX

I'm not following this fund but I'd like to know what's new or unsettling?
I only know about this fund from the limited options in my HSA and do not invest in it (yet).
by slbnoob
Mon Nov 10, 2014 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: PIMCO Total Return Fund-PTTDX
Replies: 10
Views: 1036

Re: Should I buy this car?

Whatever you do, could you confront the salesperson about it being a rental and then post your conversation here? :P
by slbnoob
Mon Nov 10, 2014 10:06 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy this car?
Replies: 17
Views: 2897

Re: vtsgx

What was the "Signal" share class if I may ask?
by slbnoob
Thu Nov 06, 2014 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: vtsgx [Vanguard Total Intl Stock Index, Signal share class]
Replies: 11
Views: 1306

Re: Vanguard Precious Metals and Mining Fund

William Bernstein is quoted to be eyeing this fund now.
http://finance.yahoo.com/tumblr/blog-an ... 47563.html

This doesn't change anything for me, except perhaps a rebalance next year if the opportunity still exists.
by slbnoob
Mon Nov 03, 2014 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Precious Metals and Mining Fund
Replies: 47
Views: 3598

Re: VGPMX: anyone contrarian enough to buy it?

Did anyone else notice the 5.4% drop today? :)
by slbnoob
Thu Oct 30, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 79
Views: 10415

Re: VGPMX: anyone contrarian enough to buy it?

madbrain wrote:
3easypayments wrote:I would agree that -37% YTD qualifies this to be called a dog.


The total return is about -6.5% YTD .


That comment (and YTD) was in 2013.
by slbnoob
Mon Oct 27, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 79
Views: 10415

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

In engineering numbers are only useful as data if there is a covering law that explains the relationship between or among the numbers. ... The stock market does not have a covering law that anyone can find. So numbers are not useful data. This is a wonderful quote. Thank you. Everyone is generating...
by slbnoob
Wed Oct 22, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 135
Views: 10787

Re: online shopping for laptop PC

If you're not necessarily looking for a brand new one, may I suggest checking out the 'outlets' of Lenovo and Dell on their website. They have returned/refurbished items there and you may be able to snag an opened/returned one for far less the price of a new one. I own a lenovo bought >5 years ago a...
by slbnoob
Tue Oct 21, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: online shopping for laptop PC
Replies: 25
Views: 1820

Re: How is Consumer Cellular

Just a follow-up to my post above. I got my phones unlocked by ATT. Then I put in an order with CC. Sim arrived 3 days later. I put sim in one phone and called from the other to activate (I also activated online but I still called since WTH). My Galaxy S3 probably had 4G LTE right from the beginning...
by slbnoob
Tue Oct 21, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: How is Consumer Cellular
Replies: 39
Views: 7434

Re: PhD in Computer Engineering?

After looking at this thread my son is leaning more towards getting a master's degree, but was wondering how that would affect the chances of getting financial support. My experience with PhD programs was that they expect you to plan on getting a PhD, and the department decides whether or not you s...
by slbnoob
Tue Oct 21, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: PhD in Computer Engineering?
Replies: 33
Views: 3429

Re: PhD in Computer Engineering?

A lot has already been said in this thread. Of the little I read, I agree with Afty's comments. I am a Ph.D. in a related engineering discipline. From the people I've seen around me, a Ph.D. in CS may not make sense economically; stopping at an MS and getting hired does. Go for a Ph.D. if you'd like...
by slbnoob
Mon Oct 20, 2014 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: PhD in Computer Engineering?
Replies: 33
Views: 3429

Re: $400 reward to open Chase accounts

So is there anyone who can confirm that simply making a regular ACH transfer from one bank to another qualify as Direct Deposit?
by slbnoob
Fri Oct 17, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 41
Views: 10668

Re: How is Consumer Cellular

My ATT contract should have got over today. I am going to call tomorrow and unlock the phones. I thought I'd better get started with Consumer Cellular.

How does the number porting thing work? Are they going to contact ATT to stop service immediately?

Thanks.
by slbnoob
Mon Oct 13, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: How is Consumer Cellular
Replies: 39
Views: 7434

Re: New 2% cash back Mastercard from Citi

Request for an opinion from board members: should I convert my Citi Forward card to Double Cash? Currently, my card seems to be grandfathered to earn 5 points for restaurants and Amazon (places of relevance). I'm also among the lucky people who still have a forward card with the 5 points bonus. I w...
by slbnoob
Thu Oct 09, 2014 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 34167

Re: New B of A visa chip card, no pin needed?

placeholder wrote:Some merchants in the US are moving to chip readers which (as I recall reports here) will reject swipe attempts from chip enabled cards.

Example: Walmart (near me at least)
by slbnoob
Thu Oct 09, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: New B of A visa chip card, no pin needed?
Replies: 35
Views: 2756

Re: New B of A visa chip card, no pin needed?

I don't think that any of us who have requested a PIN for European travel are under any illusion that it will enable use of the card in a machine that *requires* chip only. All we have is a swipe and PIN card, not a chip and PIN. Ok. I didn't know swipe+Pin also worked. Anyway, my Chip+Pin did fail...
by slbnoob
Wed Oct 08, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: New B of A visa chip card, no pin needed?
Replies: 35
Views: 2756

Re: New B of A visa chip card, no pin needed?

A credit card usually has a PIN number for cash advance. Can that PIN number be used for this (purchase) purpose? It would be difficult to remember two PIN numbers for a credit card. No. The Pin for cash withdrawals is different than the Pin required to make authorized CC transactions. That Pin (in...
by slbnoob
Wed Oct 08, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: New B of A visa chip card, no pin needed?
Replies: 35
Views: 2756

Re: New B of A visa chip card, no pin needed?

Weirdly I was not able to use my PenFed VISA with Chip+Pin at the gas stations in Iceland. It kept on telling me "no authorized". I used the card elsewhere with the Pin and it worked fine. Which card did you use? Capital One Venture; PIN by request but no chip yet. So you don't have a Chi...
by slbnoob
Wed Oct 08, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: New B of A visa chip card, no pin needed?
Replies: 35
Views: 2756

Re: New B of A visa chip card, no pin needed?

Many credit card companies will provide a pin if you ask. I agree that stores and restaurants are fine with a signature....but in Iceland, all the gas stations were set up for a credit card with a pin. In the USA, gas stations tend to use the billing zip code as a pin for credit cards. Weirdly I wa...
by slbnoob
Tue Oct 07, 2014 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: New B of A visa chip card, no pin needed?
Replies: 35
Views: 2756

Re: Which Employer Health Insurance To Go With? PPO/HSA

I might be totally off the mark here. Are you eligible to change your plan midway through the year due to a "life changing event" such as pregnancy/birth? If that is possible, then you can change the plan only when such an event occurs.
by slbnoob
Fri Oct 03, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Employer Health Insurance To Go With? PPO/HSA
Replies: 23
Views: 2058

Re: Changing a flight date

I've been bitten twice buying RT international tickets through a website and a travel agency. Changing dates (close to the last moment) was a headache and each time, it was just better to walk away from it since there was essentially no solution. I have promised to myself to buy tickets directly fro...
by slbnoob
Fri Oct 03, 2014 10:08 am
 
Forum: Personal Consumer Issues
Topic: Changing a flight date
Replies: 24
Views: 1772

Re: Tell me about Paris

On AirBnB for Paris, there are many options. You should decide which area you would prefer to stay in and then search in that area for places with lot of reviews, majority being reasonably good, decent photos and price. We had stayed here . For Wi-Fi, we observed that all McDonalds have free wi-fi. ...
by slbnoob
Fri Oct 03, 2014 9:39 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3924

Re: Penfed CDs up rates

I don't have experience with PenFed with the CDs. Is it as convenient as Ally Bank to open/withdraw a CD with PenFed? I am thinking about the scenario where I would need to withdraw the money due to an emergency. Can I get the money wire transferred/ACH to me in a day or two?
by slbnoob
Thu Oct 02, 2014 11:24 pm
 
Forum: Investing - Theory, News & General
Topic: Penfed CDs up rates
Replies: 11
Views: 3118

Re: Tell me about Paris

Just got back from my 2nd trip 3 weeks ago. The area you're describing to stay at would not be my first choice (location and perceived safety). I strongly suggest looking at airbnb.com and staying at an apartment in a more central location. We stayed near the Eiffel Tower area (Avenue de Suffren nea...
by slbnoob
Wed Oct 01, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3924

Re: CNN: 5 investing secrets of the wealthy.

IMO it is a terrible article and doesn't display any new journalism. CNN articles are usually hyped up and this one is no different ("secret"), bandying the same old stuff rehashed from an older article. Especially for us here at this forum, it is all common sense than "secret".
by slbnoob
Tue Sep 30, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: CNN: 5 investing secrets of the wealthy.
Replies: 20
Views: 3800

Re: New 2% cash back Mastercard from Citi

Request for an opinion from board members: should I convert my Citi Forward card to Double Cash? Currently, my card seems to be grandfathered to earn 5 points for restaurants and Amazon (places of relevance). Many reports of Citi Forward not being eligible for conversion. I just called and found th...
by slbnoob
Mon Sep 29, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 34167

Re: New 2% cash back Mastercard from Citi

Request for an opinion from board members: should I convert my Citi Forward card to Double Cash? Currently, my card seems to be grandfathered to earn 5 points for restaurants and Amazon (places of relevance).
by slbnoob
Mon Sep 29, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 34167
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