Search found 1055 matches

by *3!4!/5!
Sat Jun 24, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 3025

Re: Subaru to Prius?

We enjoyed our V6 2012 Outback, but didn't enjoy the ~20 mpg gas mileage. We traded it in for a 2012 Prius V, and netted about $8k in the transaction. How many people get cash BACK when they trade in a car??? We really enjoy the Prius V. It is really versatile, and has all the space of the Outback,...
by *3!4!/5!
Sat Jun 24, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Which High-Yield Online Savings Account Should I Open?
Replies: 68
Views: 6952

Re: Which High-Yield Online Savings Account Should I Open?

I was leaning towards Ally, but now, I have no idea. Have you had your cash stuffed in a mattress for the last two months since you started this thread. What I've noticed is that you have repeatedly written very brief questions, and many people have spent time giving detailed responses. Perhaps you...
by *3!4!/5!
Thu Jun 22, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 426
Views: 55376

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I believe Schwab pulls your credit when opening. Not sure if that's the brokerage or the checking account though (or both). If they do, it's probably only for accounts with margin. I got a hard pull when opening a Schwab checking account. It's just what they do, according to many datapoints. I can ...
by *3!4!/5!
Thu Jun 22, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 426
Views: 55376

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Earl Lemongrab wrote:
SJR wrote:I believe Schwab pulls your credit when opening. Not sure if that's the brokerage or the checking account though (or both).

If they do, it's probably only for accounts with margin.
I got a hard pull when opening a Schwab checking account. It's just what they do, according to many datapoints.
by *3!4!/5!
Wed Jun 21, 2017 1:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard risk tolerance survey blunder.
Replies: 41
Views: 3890

Re: Vanguard risk tolerance survey blunder.

Thesaints wrote:It is not a question about expected returns, but about volatility.
How could you possibly know something like that?
bottlecap wrote:It contains a graph (that I'm unable to produce here) that suggests (crudely), the less volatility you are willing to take, the less potential gains you are likely to make.
What?! No! It totally fails to do that. That's the whole point of this thread.
by *3!4!/5!
Wed Jun 21, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: Stock Market become safer as holding periods lengthen - Maybe just a bias
Replies: 49
Views: 3749

Re: Stock Market become safer as holding periods lengthen - Maybe just a bias

jbranx wrote:Here's the latest from Meir Statman on stock risk not declining with a long horizon:

http://www.marketwatch.com/story/stocks ... 2017-06-20


A very jumbled and repetitive article.
by *3!4!/5!
Tue Jun 20, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard risk tolerance survey blunder.
Replies: 41
Views: 3890

Re: Vanguard risk tolerance survey blunder.

At a basic level, some people are just not grasping the logic (or the math). It's frustrating. To me, it's obvious that it's a flawed survey. Vanguard is a large organization, and inevitably some jobs are not done by their best people.
by *3!4!/5!
Tue Jun 20, 2017 7:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard risk tolerance survey blunder.
Replies: 41
Views: 3890

Re: Vanguard risk tolerance survey blunder.

Those numbers are nothing else than the (more or less) max return and max loss for stock, bond and "cash" investments, once diversifiable risk has been eliminated. If the OP thinks that the rational choice must be [b] then he has concluded that investing in bonds is better than investing ...
by *3!4!/5!
Mon Jun 19, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard risk tolerance survey blunder.
Replies: 41
Views: 3890

Re: Vanguard risk tolerance survey blunder.

Here's a useful link "Vanguard portfolio allocation models" https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations Which of these has the best risk-adjusted return according to your model ? BYOM. :happy BYOM = Bring Your Own Metric? Bring Your Own Model
by *3!4!/5!
Sun Jun 18, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard risk tolerance survey blunder.
Replies: 41
Views: 3890

Re: Vanguard risk tolerance survey blunder.

rkhusky wrote:
*3!4!/5! wrote:Here's a useful link
"Vanguard portfolio allocation models"
https://personal.vanguard.com/us/insigh ... llocations

Which of these has the best risk-adjusted return according to your model?

BYOM. :happy
by *3!4!/5!
Sun Jun 18, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 90
Views: 8201

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

Thanks for the charts! I'd been searching, and couldn't find a chart for SEC yield (or any kind of yield) for any MMF.
by *3!4!/5!
Sun Jun 18, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11838

Re: Who takes financial chances and why is this forum so financially conservative?

Mandelbrot was a real eye opener for me, re volatility of financial markets, in particular stocks. ..., asset price returns do not appear to be Normally distributed (Gaussian). In fact they are fractal. ... Huh? What does that even mean? There seems to be a category error here. I would think that w...
by *3!4!/5!
Sun Jun 18, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 338
Views: 57580

Re: Bank of America/Merrill Edge - Preferred Rewards

Our balances (for Preferred Rewards tier) normally update monthly on about the 5th, but this month, they just updated now. Not sure why the inconsistency, other than BoA's flaky software.
by *3!4!/5!
Sun Jun 18, 2017 1:49 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 90
Views: 8201

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

The benefit of MM funds used to be that they had higher interest rates than bank savings accounts, but that stopped being true years ago. Ah, this was something I was wondering about. What is known about the history of this comparison (MMFs versus savings accounts, and now especially online savings...
by *3!4!/5!
Sat Jun 17, 2017 10:18 pm
Forum: Investing - Theory, News & General
Topic: [Wiki] - Percentage Gain and Loss (for new investors)
Replies: 115
Views: 5840

Re: [Wiki] - Percentage Gain and Loss (for new investors)

Oicuryy wrote:Didn't we decide a few years ago to measure gains and losses in nepers?
viewtopic.php?f=10&t=133871&p=1974087#p1974087
viewtopic.php?f=10&t=138661&p=2049746#p2049746

Jeepers Creepers
Where'd ya get those nepers?
by *3!4!/5!
Sat Jun 17, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 90
Views: 8201

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

The 1.00% number is really just a nice number psychologically. It's like when the dow hit 20,000. Does 19,999 vs 20,000 really mean anything to your portfolio? Not really. That being said, 1% is a nice round number, and is great for those who have been earning basically nothing for years. It's nice...
by *3!4!/5!
Sat Jun 17, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 95
Views: 6432

Re: HSAs and "Saving Medical Receipts"

You keep stating things like "often, EOBs don't exist," yet you've failed to share some meaningful examples (while multiple others have shared their ease in obtaining EOBs for most/all expenses). Sure, you're not going to get an EOB when you buy a bottle of saline solution or allowable ov...
by *3!4!/5!
Fri Jun 16, 2017 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 37
Views: 4440

Re: Ally Bank No penalty CD for parking cash, is there a catch?

How is interested accrued? If you cash out after, say 2.8 months, would you get the full 2.8 months interest, or would you just get 2 months interest because that's the number of whole months you were in?
by *3!4!/5!
Fri Jun 16, 2017 11:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard risk tolerance survey blunder.
Replies: 41
Views: 3890

Re: Vanguard risk tolerance survey blunder.

Here's a useful link
"Vanguard portfolio allocation models"
https://personal.vanguard.com/us/insigh ... llocations
by *3!4!/5!
Fri Jun 16, 2017 11:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard risk tolerance survey blunder.
Replies: 41
Views: 3890

Re: Vanguard risk tolerance survey blunder.

This question has been in Vanguard risk tolerance survey for several years. https://personal.vanguard.com/us/FundsInvQuestionnaire Q: The chart below shows the greatest 1-year loss and the highest 1-year gain on 3 different hypothetical investments of $10,000. Given the potential gain or loss in an...
by *3!4!/5!
Fri Jun 16, 2017 10:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 90
Views: 8201

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

but I'm also interested in the theoretical question of what drives yields on Money Market versus online savings. These days the Fed offers to borrow overnight from money market funds at an interest rate equal to the low end of their target range for the federal funds rate. Anyone else who wants to ...
by *3!4!/5!
Fri Jun 16, 2017 9:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard risk tolerance survey blunder.
Replies: 41
Views: 3890

Re: Vanguard risk tolerance survey blunder.

This looks to me like the potential numbers for approximately 20/80, 50/50 and 80/20 portfolios. Perhaps Vanguard used real portfolios to come up with the numbers, rather than some model distribution. Yes, that's also the only explanation I could ever think of for how this question could have come ...
by *3!4!/5!
Fri Jun 16, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11838

Re: Who takes financial chances and why is this forum so financially conservative?

There's a contrast to be made. Having ten years salary invested in the stock market is one kind of risk. Retiring early and forgoing ten years salary is a different kind of risk. The first kind you can just stay the course and not think about it too much. The second kind you really need to think ab...
by *3!4!/5!
Fri Jun 16, 2017 8:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 90
Views: 8201

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

NEWS FLASH! VMMXX has smashed through the 1.00% barrier and is now at 1.01% See it happen here (look at yield column). 06/14/2017-06/16/2017 https://personal.vanguard.com/us/funds/tools/pricehistorysearch?radio=1&results=get&FundType=VanguardFunds&FundIntExt=INT&FundId=0030&Sc=0&...
by *3!4!/5!
Fri Jun 16, 2017 6:01 pm
Forum: Investing - Theory, News & General
Topic: [Wiki] - Percentage Gain and Loss (for new investors)
Replies: 115
Views: 5840

Re: [Wiki] - Percentage Gain and Loss (for new investors)

I'm just trying to give food for thought without making any specific recommendations for the Wiki. I'll just make a couple more points. A percentage is just a number, e.g. X%=X/100=X*0.01 37%=37/100=37*0.01=0.37 A change between two quantities A and B can be quantified in various ways, e.g. A-B and ...
by *3!4!/5!
Fri Jun 16, 2017 5:42 pm
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 64
Views: 4658

Re: Favorite Feature of Vanguard Website?

The part I use most often is single fund information - tabs for overview, price & performance, portfolio & management, distributions, etc. I like the clarity and the fact that this section has survived a few site overhauls intact. Makes me feel like I know what I own. I do too. But I've fou...
by *3!4!/5!
Fri Jun 16, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: Do you think about volatility drag on your portfolio?
Replies: 206
Views: 11832

Re: Do you think about volatility drag on your portfolio?

Someone correct me if I'm mistaken. But I'm still of the opinion that volatility drag is a non-issue. This is like one of those times someone goes into great elaboration of minor points, but fails to address the threshold question. Why not simply look at the starting dollar value and the ending dol...
by *3!4!/5!
Fri Jun 16, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 64
Views: 4658

Re: Favorite Feature of Vanguard Website?

The part I use most often is single fund information - tabs for overview, price & performance, portfolio & management, distributions, etc. I like the clarity and the fact that this section has survived a few site overhauls intact. Makes me feel like I know what I own. I do too. But I've fou...
by *3!4!/5!
Fri Jun 16, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 95
Views: 6432

Re: HSAs and "Saving Medical Receipts"

Note that a number of HSA providers are providing an "electronic shoebox". That would be the way to go, maybe have 2 independent cloud storage sites. Having a real/electronic "shoebox", really doesn't address the problem of not being able to document what is needed in the first ...
by *3!4!/5!
Fri Jun 16, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: [Wiki] - Percentage Gain and Loss (for new investors)
Replies: 115
Views: 5840

Re: [Wiki] - Percentage Gain and Loss (for new investors)

I didn't read the entire thread or the whole wiki article, but some things in the article don't seem correct. Question: When is this equation true? P + (10%) - (10%) = P. Answer: It's never true. The 10% can't "float" by itself. It refers to 10% of what? RUBBISH! It's ALWAYS true! P+X-X=P...
by *3!4!/5!
Fri Jun 16, 2017 4:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard risk tolerance survey blunder.
Replies: 41
Views: 3890

Re: Vanguard risk tolerance survey blunder.

jjface wrote:Its testing your maximum risk tolerance. Obviously C means you can either gain the most or lose the most.

Your calculation also assume all outcomes are equally likely but they may well not be.


I already said that. But the question is obviously deeply flawed.
by *3!4!/5!
Fri Jun 16, 2017 1:51 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 90
Views: 8201

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

MIpreRetirey wrote:Yep. VMMXX climbing pretty quick. Looked at distrib. That yield was about .7% 1st of year.
Should see 1 mo and 3 month change in yield on 3 mo. US treas.:

http://quotes.wsj.com/bond/BX/TMUBMUSD03M .


Yes those are a good comparison.
by *3!4!/5!
Fri Jun 16, 2017 1:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard risk tolerance survey blunder.
Replies: 41
Views: 3890

Vanguard risk tolerance survey blunder.

This question has been in Vanguard risk tolerance survey for several years. https://personal.vanguard.com/us/FundsInvQuestionnaire Q: The chart below shows the greatest 1-year loss and the highest 1-year gain on 3 different hypothetical investments of $10,000. Given the potential gain or loss in any...
by *3!4!/5!
Fri Jun 16, 2017 1:00 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 426
Views: 55376

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I was browsing this thread and was wondering, for someone new to this, is there a good brokerage to start with that is easy to transfer to (with minimal headache), has a great bonus, and is able to hold admiral shares? I was waiting for the Merrill Edge increased bonuses, but figured I may as well ...
by *3!4!/5!
Thu Jun 15, 2017 11:31 pm
Forum: Investing - Theory, News & General
Topic: [Wiki] - Percentage Gain and Loss (for new investors)
Replies: 115
Views: 5840

Re: [Wiki] - Percentage Gain and Loss (for new investors)

As the Wizard stated (paraphrasing) how do you make this understandable to the general public. I would only add, understandable without injecting too much emotion into the topic. I would keep it very simple and just provide a table. Use $1000 as your initial investment so many of us can do some of ...
by *3!4!/5!
Thu Jun 15, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 90
Views: 8201

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

I moved all my reserve cash from CapitalOne 360 Savings to Prime MM a couple of weeks ago. CapitalOne 360 Savings has been stuck at 0.75% for a while, while other online savings are 1%+ and edging up slightly. But the online savings yields haven't budged much, so I wonder what the dynamics are. The...
by *3!4!/5!
Thu Jun 15, 2017 6:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 90
Views: 8201

Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

(No, it didn't break the buck.) After almost a lost decade for Money Market Funds, we are finally up to "triple digit" yields (100 basis points). In 2 years VMMXX yield has increased from 0.01% to 1.00%, while Ally online savings account has increased from 1.00% to 1.05%. So the question i...
by *3!4!/5!
Thu Jun 15, 2017 5:39 pm
Forum: Investing - Theory, News & General
Topic: Stock Market become safer as holding periods lengthen - Maybe just a bias
Replies: 49
Views: 3749

Re: Stock Market become safer as holding periods lengthen - Maybe just a bias

Why do so many threads start with random articles on the internet? It just gives a low starting point, from which many discussions cannot recover.
by *3!4!/5!
Thu Jun 15, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11838

Re: Who takes financial chances and why is this forum so financially conservative?

There's a contrast to be made. Having ten years salary invested in the stock market is one kind of risk. Retiring early and forgoing ten years salary is a different kind of risk. The first kind you can just stay the course and not think about it too much. The second kind you really need to think abo...
by *3!4!/5!
Wed Jun 14, 2017 8:57 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3784

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

Dear ***, Thank you, again, for your past advice! I had two questions about TIAA Real Estate. I realize this may result in a "let's schedule a phone call" reply ;) , but I thought I'd at least outline them below. Several individuals have advised me to allocate some assets to TIAA Real Est...
by *3!4!/5!
Wed Jun 14, 2017 5:44 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3784

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

need403bhelp wrote: I am going to talk to my TIAA-CREF rep

I regret talking to TIAA-CREF reps. There's rarely any point.
by *3!4!/5!
Wed Jun 14, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 64
Views: 4658

Re: Favorite Feature of Vanguard Website?

I generally like much of the website, but an un-favorite feature is that when you're logged in and you get timed out, it wipes out all your Vanguard tabs, including the public pages that didn't depend on your login.
by *3!4!/5!
Wed Jun 14, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 95
Views: 6432

Re: HSAs and "Saving Medical Receipts"

FIREchief wrote:
ChrisC wrote: Doth protest too much.

LOL Nailed it. :beer

Your descriptions of medical billing practices are a bit too perfect and utopian. Reality doesn't have as much sprinkled pixie dust as you think.
by *3!4!/5!
Wed Jun 14, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 95
Views: 6432

Re: HSAs and "Saving Medical Receipts"

Why would you pay out of pocket and then make distributions at the end of the year while keeping meticulous records. I just assumed if you wanted to tap into the HSA you'd use the debit card or whatever at the time the expense is incurred and not have to keep track of anything? Am I missing somethi...
by *3!4!/5!
Wed Jun 14, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 95
Views: 6432

Re: HSAs and "Saving Medical Receipts"

There probably won't be IRS HSA claim audit horror stories for those of us withdrawing our expenses once a year. These typically will be smaller amounts and won't prompt an audit anyway, and we just need to keep the documents for a few years. Medical providers typically won't provide needed document...
by *3!4!/5!
Wed Jun 14, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 115
Views: 13557

Re: Dealership rejecting rebate after contract signed

It's possible that this was a "good guy/bad guy" scam with the management and salesperson. And that the dealership actually instructed the salesperson to bully you into trying to redo the deal. Once that didn't happen, they probably gave the salesperson an "attaboy" for at least...
by *3!4!/5!
Wed Jun 14, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 95
Views: 6432

Re: HSAs and "Saving Medical Receipts"

It should be extremely obvious to anyone who puts a little thought to it, that there are a variety of situations where there is no EOB to be had. Moreover, there are many other obstacles to compiling the needed documentation. If you actually bother to think about it, you'll realize that it's basical...
by *3!4!/5!
Wed Jun 14, 2017 12:42 am
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 95
Views: 6432

Re: HSAs and "Saving Medical Receipts"

FIREchief wrote:What EOBs have you been unable to obtain?
This cannot possibly be a serious question.
by *3!4!/5!
Tue Jun 13, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 95
Views: 6432

Re: HSAs and "Saving Medical Receipts"

Often EOBs don't exist. Also, you may be able to prove that you paid $X to provider Y, but it is virtually impossible to prove what item(s) correspond to what payment(s). Medical providers simply do not acknowledge that specific payment(s) were for specific item(s). There's just no way to match them...

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