Search found 873 matches
- Sat Feb 03, 2024 3:39 pm
- Forum: Investing - Theory, News & General
- Topic: Unintentional trading violation at Schwab due to pending dividend reinvestment
- Replies: 32
- Views: 3908
Re: Unintentional trading violation at Schwab due to pending dividend reinvestment
So basically they stop the re-investment of the dividend when you do this? They don't auto re-invest and then expect you to somehow make up the difference which would be selling in an IRA since you can't add money (if maxed out). I think the issue is they do NOT stop the reinvestment if you spend the cash that they (invisibly) "earmarked" for reinvestment. Basically, a) they deposit dividend as cash, b) the OP spent the cash, c) Schwab spent the cash on reinvestment shares, and then d) Schwab sent a letter notifying OP their cash balance was negative. The OP options are to deposit cash or sell shares to fix the issue. To your second point, yes if it's an IRA and unable to deposit the only way to fix is to sell shares. At minimum ...
- Sat Feb 03, 2024 12:19 am
- Forum: Investing - Theory, News & General
- Topic: Unintentional trading violation at Schwab due to pending dividend reinvestment
- Replies: 32
- Views: 3908
Re: Unintentional trading violation at Schwab due to pending dividend reinvestment
Okay they didn't show your cash balance accurately.
They had booked a share purchase using that cash balance (reinvestment) but have chosen to not show you an accurate picture of your positions until the end of the next day?
It's their fault.
I don't think it's flipping hard to do reinvestment by depositing shares. Or, have the cash debit and credit and share purchase show up as separate line items on the same day.
They had booked a share purchase using that cash balance (reinvestment) but have chosen to not show you an accurate picture of your positions until the end of the next day?
It's their fault.
I don't think it's flipping hard to do reinvestment by depositing shares. Or, have the cash debit and credit and share purchase show up as separate line items on the same day.
- Sat Nov 11, 2023 11:52 am
- Forum: Personal Finance (Not Investing)
- Topic: Intuit's Mint App Shutting Down...Replacement Recommendations?
- Replies: 773
- Views: 146525
Re: Intuit's Mint App Shutting Down...Replacement Recommendations?
NY Times article on alternatives, may be behind a paywall. Mint, the Budgeting App, Is Going Away. Here Are Some Alternatives A newspaper paywall and then essentially every option they list is... a paid service. Every little thing a subscription! Just interesting the business model changed to SaaS around the time Quicken matured. From 1985-2010 they could develop enough new features to sell some people on the new version every 2-3 years, until there weren't many new features, because they were basically finished. That's why I kept using the old Quicken, and also why free, open source software works fine. Just doesn't have any marketing budget. You do not need personal financial tools to live online, store your passwords, sell your data, up...
- Fri Nov 10, 2023 4:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: Intuit's Mint App Shutting Down...Replacement Recommendations?
- Replies: 773
- Views: 146525
Re: Intuit's Mint App Shutting Down...Replacement Recommendations?
You all should look into Money Manager EX. https://moneymanagerex.org/ It's free and offline. Never heard of it but seems really interesting. Do you use it? How do you like it? It looks like they haven't pushed out an update in two years. Also never heard of it The last update was June 2023. At the end of the day Money Manager EX works, and better than spreadsheets. My use case: Checking/savings/credit accounts tracked manually, enjoy reviewing reports and graphs from time to time, but not using these tools for complexities (budgets, stock prices, or cost basis) TINSTAAFL approach, not trading financial data for free access to a tool, not storing passwords online Full accounting knowledge, not really afraid of learning new systems Former u...
- Fri Nov 10, 2023 12:56 am
- Forum: Personal Finance (Not Investing)
- Topic: Intuit's Mint App Shutting Down...Replacement Recommendations?
- Replies: 773
- Views: 146525
- Tue Sep 12, 2023 10:55 pm
- Forum: Investing - Theory, News & General
- Topic: What's The Catch With Brokered CDs?
- Replies: 54
- Views: 10003
- Tue Jul 04, 2023 2:20 pm
- Forum: Personal Consumer Issues
- Topic: Pacific Crest Trail - California - Day hikes?
- Replies: 16
- Views: 1870
Re: Pacific Crest Trail - California - Day hikes?
^ Yeah that's what I was going to say - sounds way too hot. Dangerous even if you are in good shape.
- Fri Jan 20, 2023 10:37 pm
- Forum: Personal Consumer Issues
- Topic: Luggage looks bad after one use
- Replies: 39
- Views: 2930
Re: Luggage looks bad after one use
No you can't use something, beat it up and then return it. This checks out even when you've paid for a bus company's luggage handlers to beat it up on your behalf.
- Thu Dec 08, 2022 10:52 pm
- Forum: Investing - Theory, News & General
- Topic: TD Ameritrade to Schwab
- Replies: 161
- Views: 13775
- Mon Nov 07, 2022 5:04 pm
- Forum: Investing - Theory, News & General
- Topic: Investing Through an Inflationary Regime
- Replies: 20
- Views: 3209
Re: Investing Through an Inflationary Regime
The commodities market's a bunch of baloney for retail investors. You pay the price for years and years as "inflation protection" waiting for a couple where it puts up a decent return, but never makes it back to your original investment amount, let alone make up for all the lost stock market returns you have foregone.
- Mon Nov 07, 2022 4:56 pm
- Forum: Personal Finance (Not Investing)
- Topic: Tips for Selling a $8-9k Vehicle
- Replies: 21
- Views: 2131
- Fri Jul 22, 2022 6:04 pm
- Forum: Personal Consumer Issues
- Topic: Soundproofing fence
- Replies: 30
- Views: 4368
Re: Soundproofing fence
Berm is a good idea and maybe a short stone wall on that. Some taller growing bushes to support the cause.
Guess I hate noise so I'd be constructing Hadrian's Wall back there lol.
Guess I hate noise so I'd be constructing Hadrian's Wall back there lol.
- Fri Jul 22, 2022 1:20 am
- Forum: Investing - Theory, News & General
- Topic: Treasury Direct Customer Service Horror Stories Have Prevented Me from Buying I-Bonds
- Replies: 76
- Views: 5777
- Sat Jul 16, 2022 2:24 pm
- Forum: Investing - Theory, News & General
- Topic: Commodities never belonged in your portfolio
- Replies: 253
- Views: 22013
Re: Commodities never belonged in your portfolio
People were saying roll yield was a pretty big part of commodity fund returns. They hold collateral in t-bills.
I think with ZIRP that would have evaporated pretty much.
There are also more complex concepts like backwardation vs contango. And with the inception of indexing there were narratives around front-running starting to cause problems. Some of the funds were poor at tracking the indices they are based upon, or likely to carry premiums to NAV borne out of thin trading volumes.
Personally I had some minor fun money in the space for a few years and enough fun. Lesson re-learned not to invest in something you do not completely understand.
I think with ZIRP that would have evaporated pretty much.
There are also more complex concepts like backwardation vs contango. And with the inception of indexing there were narratives around front-running starting to cause problems. Some of the funds were poor at tracking the indices they are based upon, or likely to carry premiums to NAV borne out of thin trading volumes.
Personally I had some minor fun money in the space for a few years and enough fun. Lesson re-learned not to invest in something you do not completely understand.
- Sat Jul 16, 2022 2:07 pm
- Forum: Investing - Theory, News & General
- Topic: Any Downsides to Brokered CDs?
- Replies: 29
- Views: 5381
- Wed Dec 22, 2021 6:42 pm
- Forum: Personal Consumer Issues
- Topic: Laptops vs Tablets?
- Replies: 45
- Views: 3366
Re: Laptops vs Tablets?
Laptop preferred for financial stuff and shopping - faster and easier to type.
Tablet preferred for reading books, magazines, internet, music, games - lighter and longer battery, more durable.
Phone is just for texts, calls, maps getting around town, alarm.
Tablet preferred for reading books, magazines, internet, music, games - lighter and longer battery, more durable.
Phone is just for texts, calls, maps getting around town, alarm.
- Mon Nov 08, 2021 11:04 pm
- Forum: Personal Finance (Not Investing)
- Topic: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
- Replies: 1772
- Views: 196873
- Wed Dec 16, 2020 10:15 pm
- Forum: Personal Consumer Issues
- Topic: Great fish sources And, Best fish for Hawaiian "poke" bowl, sashimi, etc.And great cooked fish?
- Replies: 23
- Views: 2089
Re: Great fish sources And, Best fish for Hawaiian "poke" bowl, sashimi, etc.And great cooked fish?
Generally speaking wild Pacific seafood is better managed, healthier and more sustainable. Most of the hazardous or low-quality stuff is Atlantic, farmed and even marked "color-added" and "from frozen" at Kroger. I really would think twice before purchasing anything with Atlantic emblazoned on the package - know this seems like a big statement but it's reality.
I will buy frozen fish, such as Mahi-mahi or Alaskan Halibut, and defrost at home. Understand that most of this is frozen right onboard the vessel or at the dock. You can get ahi frozen, it's not bad.
Sardines are underrated.
I will buy frozen fish, such as Mahi-mahi or Alaskan Halibut, and defrost at home. Understand that most of this is frozen right onboard the vessel or at the dock. You can get ahi frozen, it's not bad.
Sardines are underrated.
- Sat Sep 26, 2020 8:11 pm
- Forum: Personal Consumer Issues
- Topic: What can I expect from new golf clubs
- Replies: 96
- Views: 7544
Re: What can I expect from new golf clubs
Buy used or last year's models
Have more fun
Driver
Hybrids
Game improvement style irons
Lessons (can also video yourself, use YouTube)
Tracking your game (e.g. Arccos)
Graphite shafts
Senior flex
I put these in ranked order IMHO
Have more fun
Driver
Hybrids
Game improvement style irons
Lessons (can also video yourself, use YouTube)
Tracking your game (e.g. Arccos)
Graphite shafts
Senior flex
I put these in ranked order IMHO
- Tue Jul 21, 2020 9:53 pm
- Forum: Personal Consumer Issues
- Topic: cheap, easy, temporary heat blocking stuff for windows?
- Replies: 44
- Views: 3867
- Tue Jul 21, 2020 9:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can I reject a rental application for too many people on the lease?
- Replies: 39
- Views: 4961
Re: Can I reject a rental application for too many people on the lease?
Non- attorney here. Leases generally fall under "joint and several" liability which means that roommates, co-signers, etcetera are EACH responsible for ALL the rent.
To be honest, when I worked for a realty company we never had grown-ass roommates. Rent was cheaper then. We took college students with their parents co-signing. But we never "needed" to accept them because they almost always had no credit. Not bad credit, mind you, just no credit. We knew we'd always get the rent paid since there were so many responsible parties.
To be honest, when I worked for a realty company we never had grown-ass roommates. Rent was cheaper then. We took college students with their parents co-signing. But we never "needed" to accept them because they almost always had no credit. Not bad credit, mind you, just no credit. We knew we'd always get the rent paid since there were so many responsible parties.
- Tue Jul 21, 2020 9:18 pm
- Forum: Investing - Theory, News & General
- Topic: beginning of end of tech outperformance - linkedin to layoff 6%
- Replies: 53
- Views: 5488
- Tue Jul 21, 2020 9:07 pm
- Forum: Personal Finance (Not Investing)
- Topic: Anybody watch new joe Rogan episode with Peter Schiff?
- Replies: 51
- Views: 8272
- Sat Jul 18, 2020 9:45 pm
- Forum: Personal Consumer Issues
- Topic: How would permanent WFH reshape Silicon Valley?
- Replies: 79
- Views: 8130
- Wed Jul 15, 2020 7:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: FLSA exempt - I disagree...maybe
- Replies: 21
- Views: 1516
- Wed Jul 15, 2020 7:22 pm
- Forum: Personal Finance (Not Investing)
- Topic: FLSA exempt - I disagree...maybe
- Replies: 21
- Views: 1516
Re: FLSA exempt - I disagree...maybe
Do you make more or less than before?
If less, the main recourse may be raise the point with HR.
If less, the main recourse may be raise the point with HR.
- Thu Jul 09, 2020 12:02 am
- Forum: Personal Consumer Issues
- Topic: How would permanent WFH reshape Silicon Valley?
- Replies: 79
- Views: 8130
- Sun Jul 05, 2020 3:39 pm
- Forum: Personal Consumer Issues
- Topic: Boglehead Way to buy an Audi
- Replies: 91
- Views: 7972
Re: Boglehead Way to buy an Audi
MotorTrend's current issue has a relevant comparison. Mazda cx5 versus Infiniti qx50. Both should be considered by someone looking at a small sporty suv.
- Fri Jul 03, 2020 1:42 pm
- Forum: Personal Consumer Issues
- Topic: Thought about buying a small motor home, but the market is crazy; Just bought one!!
- Replies: 260
- Views: 30528
- Fri Jul 03, 2020 1:07 pm
- Forum: Personal Consumer Issues
- Topic: Spiked Seltzers?
- Replies: 46
- Views: 4103
Re: Spiked Seltzers?
Beer flatlines my energy level, but either hard seltzer or hard cider usually don't. Both have become good daytime or summertime occasionals.
- Sun Jun 07, 2020 12:32 am
- Forum: Personal Consumer Issues
- Topic: What fun car should I get in the $150k - $200k range?
- Replies: 499
- Views: 41422
- Wed May 20, 2020 10:19 pm
- Forum: Personal Consumer Issues
- Topic: Tea supplier comparison
- Replies: 74
- Views: 7865
- Mon May 18, 2020 8:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: I work remote: Is buying a home away from a major city a major risk?
- Replies: 39
- Views: 5088
Re: I work remote: Is buying a home away from a major city a major risk?
More remote work may be the new normal. However due to tax law and employment complexities, not every employer is willing to hire an employee from any state. They are registered where current employees live.
I believe there will be a persistent local bias in hiring decisions. I also believe there are more candidates for remote jobs, meaning you would need to stand out as an expert to get a job.
As always, Silicon Valley will be different. If you can work for one of those companies, advantage to you.
I believe there will be a persistent local bias in hiring decisions. I also believe there are more candidates for remote jobs, meaning you would need to stand out as an expert to get a job.
As always, Silicon Valley will be different. If you can work for one of those companies, advantage to you.
- Sun May 10, 2020 6:34 pm
- Forum: Investing - Theory, News & General
- Topic: Will "work from home" destroy the commercial real estate market?
- Replies: 169
- Views: 16081
- Sat May 09, 2020 3:54 pm
- Forum: Investing - Theory, News & General
- Topic: Airline Stocks
- Replies: 42
- Views: 22842
Re: Airline Stocks
Nobody where I'm from flew anywhere for work or pleasure until about 1995. It just wasn't normal. We're back to that for now! It's not a homeostatic need of humans to travel by plane, and we have videoconferencing for work. We're all these little jet setters used to planes now. Future unknown. The business market is key to airline profitability because the REVPAR (yield) per seat is so much higher. When you get on a BA flight from London to NY, the profit turns to the left, the economy class ballast turns to the right. Half the revenue in the plane can turn to the left. Has CV-19 caused a permanent change in behaviour? 9-11 most certainly did not, neither did the Icelandic volcano (which shut down trans Atlantic air traffic for 7 days). Ne...
- Sun May 03, 2020 4:01 pm
- Forum: Investing - Theory, News & General
- Topic: Airline Stocks
- Replies: 42
- Views: 22842
Re: Airline Stocks
A bankruptcy here and there is not to be compared with an entire industry going bankrupt. I don’t think that option is necessarily the optimal one. For example, the bailout of the auto industry is widely heralded as one of the success stories. If all the airlines go bankrupt, what does that do to Boeing? And then what does that do to all the companies that support Boeing? And the companies that support those companies? And then what about Airbus, etc.? Last we checked Boeing was covering up major defects in their latest planes and delaying the fix while airlines idled them. They are a critical defense contractor however. I figure that saves them. Airline companies have come and gone. USAir, PanAm, Continental and all the rest. Most lease t...
- Sun May 03, 2020 3:27 pm
- Forum: Investing - Theory, News & General
- Topic: Berkshire Hathaway is hammered
- Replies: 60
- Views: 13065
Re: Berkshire Hathaway is hammered
Yes, this is important to consider the actual date. The end of Q1 being 31st of March... not a tough concept, so many people miss out.petulant wrote: ↑Sat May 02, 2020 1:32 pm I believe the reporting date for these amounts is March 31, 2020. If so, that was closer to the bottom and heavy on chaos. It could be that Buffet was evaluating opportunities but not necessarily holding back--just likely to actually make purchases in April.
I think they were sellers in April not buyers. Meaning all the airlines were overvalued... after the big drop, in their opinions.
- Fri Apr 24, 2020 12:08 am
- Forum: Personal Consumer Issues
- Topic: How does the accounting profession fare during recessions?
- Replies: 25
- Views: 2645
- Thu Apr 23, 2020 11:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Car Dealers not really wanting to make a deal
- Replies: 245
- Views: 40320
Re: Car Dealers not really wanting to make a deal
I'm a big fan of sitting in the driver's seat of various cars at an auto show - comfort and visibility are big factors. Actual test driving experience not critical but I've driven many different cars and know enough about specs to know how they'll drive.Starfish wrote: ↑Wed Apr 22, 2020 9:17 pmBeerTooth wrote: ↑Thu Apr 16, 2020 11:47 am heard an ad on the radio this morning from a large local dealer offering a new program "fully online" purchase. "no need to step foot on the dealer lot"
I can't imagine dropping $30k on a vehicle without at least test-driving it...but maybe some people will?
Although I test drove all the cars I bought, I found zero value in that.
- Thu Apr 23, 2020 12:03 am
- Forum: Personal Consumer Issues
- Topic: Recomendation for indoor tree/plant to fill a large space?
- Replies: 12
- Views: 938
Re: Recomendation for indoor tree/plant to fill a large space?
Peace lily would be low maintenance and look nice.
- Wed Apr 22, 2020 1:21 am
- Forum: Personal Consumer Issues
- Topic: Which FREE streaming services don't have commercials?
- Replies: 19
- Views: 2057
- Mon Apr 20, 2020 3:22 pm
- Forum: Personal Finance (Not Investing)
- Topic: How to negotiate severance if laid off?
- Replies: 75
- Views: 7418
- Mon Apr 20, 2020 2:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Car Dealers not really wanting to make a deal
- Replies: 245
- Views: 40320
Re: Car Dealers not really wanting to make a deal
Barron's posted that used car prices have "cratered" citing something called the Mannheim Used Vehicle Index - which declined 11% from March, and is "down roughly 10% year over year". Pretty good support for those of us who feel it's a good time to buy used. Also, for every car you're guaranteed two transactions: the purchase and the sale. Each will be driven by supply and demand. Each will be annoying. It's the same for leasing, except they're putting ink to some estimates about the second transaction and padding two deals at once with profit and interest. Certain vehicles that have an excellent reputation and represent a good fit for many types of buyer - Rav4, Outback, etc - have a recent history of great resale price...
- Sun Apr 19, 2020 6:11 pm
- Forum: Personal Consumer Issues
- Topic: Fun topic: options in/around Santa Barbara
- Replies: 31
- Views: 2774
Re: Fun topic: options in/around Santa Barbara
If living in SB a 3 mile / ten minute car ride from the beach is too far, you will never be happy.
- Sun Apr 19, 2020 12:26 pm
- Forum: Personal Consumer Issues
- Topic: Eating out after lock-down is lifted
- Replies: 112
- Views: 11911
Re: Eating out after lock-down is lifted
If you say reduce seating by 50%, I don't see the business surviving by increasing prices by 50%. People enjoy going out but prices do matter and if that $15, 20, 30 meal becomes $22, 30, 45 that would make eating home much more likely. If seating is reduced by 50%, prices would have to go up 100% to be revenue neutral. Duh. Thanks. As a math person, I feel even worse. :oops: Regardless, anything kind of major price increase would keep many people away. True per square foot? However they may only rehire half the staff they had before, and buy half the food. Commercial real estate companies take some rent as a percentage of sales, which is zero right now at the mall nearby. I do expect widespread vacancies in retail and restaurant spaces. Z...
- Sun Apr 19, 2020 11:40 am
- Forum: Personal Consumer Issues
- Topic: Alternatives to Adobe Acrobat
- Replies: 13
- Views: 1026
Re: Alternatives to Adobe Acrobat
One day I noticed Adobe Reader was almost 1 gigabyte on my Windows 10 laptop!
Deleted. I've been using Chrome or Edge to read pdf's since then.
Side note, if you're emailing the files they're in the cloud, whether you know it or not, so I don't know about the security strategy. Any of these password protection features can be cracked by professional thieves or hackers. I would consider passwords more of a privacy feature.
Deleted. I've been using Chrome or Edge to read pdf's since then.
Side note, if you're emailing the files they're in the cloud, whether you know it or not, so I don't know about the security strategy. Any of these password protection features can be cracked by professional thieves or hackers. I would consider passwords more of a privacy feature.
- Sat Apr 18, 2020 1:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: Car Dealers not really wanting to make a deal
- Replies: 245
- Views: 40320
- Thu Apr 09, 2020 9:12 pm
- Forum: Personal Finance (Not Investing)
- Topic: COVID-19, Employer Quarantines, FMLA?
- Replies: 3
- Views: 499
- Mon Mar 30, 2020 9:12 pm
- Forum: Investing - Theory, News & General
- Topic: Help me understand this market--or How can S&P be 2600 today?
- Replies: 109
- Views: 11082
Re: Help me understand this market--or How can S&P be 2600 today?
If we had sufficient medical supplies, equipment and hospital beds, your comment would make more sense. If we could get tests to know if we have the virus, proven medication to treat it, and vaccines to prevent it, then the market would be more functional. Right now we have a demand shock on all of the above and companies aren't able to meet that demand before more deaths occur from covid 19.Hyperchicken wrote: ↑Mon Mar 30, 2020 5:24 pm The "market" (i.e. people) begin to wake up and realize more and more that economic response to the virus is entirely self-inflicted. We are not forced to shut down businesses, sit home, etc. - it is out choice to do so, for reasons that are perhaps questionable.
- Mon Mar 30, 2020 8:38 pm
- Forum: Investing - Theory, News & General
- Topic: Coronavirus and the market
- Replies: 4089
- Views: 397203