Search found 1564 matches

by whodidntante
Sat May 27, 2017 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: VDVA - Vanguard global value fund
Replies: 4
Views: 593

Re: VDVA - Vanguard global value fund

A few comments at a glance. It has low volume and will probably be costly to trade. That alone makes it suspect as a core holding. I would​ not trust the style boxes from Morningstar. The fund is probably doing a good job of value exposure but may not be very small. Portfolio visualizer is a good to...
by whodidntante
Sat May 27, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Best Use of Expensive 401k?
Replies: 9
Views: 496

Re: Best Use of Expensive 401k?

I took a 401k loan to invest in taxable, like livesoft mentioned. I complained about my 401k and the cost structure was improved, though it is still not as good as others. You could try that in parallel. Though if you can hit a 15% marginal, bringing the rest of the money home to buy equity index ET...
by whodidntante
Sat May 27, 2017 10:19 am
Forum: Investing - Theory, News & General
Topic: Wells Fargo Introduces New Fund Class
Replies: 4
Views: 514

Re: Wells Fargo Introduces New Fund Class

They are polishing the brass on the Titanic
by whodidntante
Sat May 27, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: EE and I Bonds
Replies: 8
Views: 878

Re: EE and I Bonds

I don't think ee bonds are a good investment. They pay essentially nothing for 20 years and then you can get a balloon payment of sorts. So it's in your best interests to treat them as illiquid and like a 20 year bond. I expect more of a premium for that and it's not clear that they offer a premium ...
by whodidntante
Sat May 27, 2017 3:23 am
Forum: Investing - Help with Personal Investments
Topic: Investing "Borrowed" Tax Money
Replies: 12
Views: 1025

Re: Investing "Borrowed" Tax Money

I don't have any trouble getting credit cards with 0% promo APRs for purchases and a few will cover balance transfers with no fee. And I would rather owe a bank than the IRS.
by whodidntante
Fri May 26, 2017 10:29 pm
Forum: Investing - Theory, News & General
Topic: CAPE adjusted stock/bond ratio
Replies: 14
Views: 776

Re: CAPE adjusted stock/bond ratio

Bonds are also expensive right now, so I hope your tactical asset allocation model adjusts for that too.
by whodidntante
Fri May 26, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: VDVA - Vanguard global value fund
Replies: 4
Views: 593

Re: VDVA - Vanguard global value fund

Are you aware that it is domiciled in Ireland? It would be a non starter if you are in the USA.
by whodidntante
Fri May 26, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Really trying to understand no bonds in taxable
Replies: 33
Views: 1651

Re: Really trying to understand no bonds in taxable

RRAAYY3 wrote:would a state tax exempt muni bond be ideal for taxable?


Sure, if you don't mind owning a portfolio with lower returns.
by whodidntante
Fri May 26, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: What interest rate can be expected from bond funds?
Replies: 7
Views: 641

Re: What interest rate can be expected from bond funds?

I am wondering what interest rate bond funds like VBMFX and VWEHX pay out. Look at the 30 day SEC yield which is forward looking. Also, would it be better to have money in a bond fund rather than a high yield savings account? That depends. Bonds are risky investments due to credit risk, liquidity r...
by whodidntante
Fri May 26, 2017 4:48 pm
Forum: Investing - Theory, News & General
Topic: Is international a momentum investment?
Replies: 16
Views: 1204

Re: Is international a momentum investment?

Momentum should be determined quantitatively, not with scatter plots and hand waving. But a lazy way would be to look at what the quant pros are holding. For example, what does GMOM currently hold?
by whodidntante
Fri May 26, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 2380

Re: New car doc fees

Ford caps the amount dealers can charge and actually audits that they do not go over that amount. I believe the cap is $50 but I'm not certain. The dealer also cannot sweeten the deal although trade in valuation is one possible backdoor. I'm referring to X plan pricing.
by whodidntante
Thu May 25, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Sell high??
Replies: 8
Views: 1009

Re: Sell high??

Bonds don't have attractive valuations either. But if you want 60/40, do it tomorrow. It will be a fine day.
by whodidntante
Thu May 25, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: When does Saving become missing out on life?
Replies: 63
Views: 6232

Re: When does Saving become missing out on life?

I have a good income and I'm very fortunate for that because life can derail you in so many ways. But it is also no accident. To me, money is freedom and I want to experience far off places and not live hand to mouth. I also don't have a safety net, no one to make me whole if I go broke. I spend on ...
by whodidntante
Thu May 25, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Paying someone to build a website
Replies: 16
Views: 1230

Re: Paying someone to build a website

It sounds like a lot of tedious mechanical effort. It seems that cost is a key consideration for you. I would use one of the sites that connect you with workers in low wage countries. I spoke with a local entrepreneur who runs a web design company and farms almost everything out that way.
by whodidntante
Wed May 24, 2017 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with divorce settlement
Replies: 23
Views: 2988

Re: What to do with divorce settlement

A divorce is rather traumatic whether or not she is showing it. First, realize it is her money and don't overstep. Even if she is asking for your help, she may not end up doing things as you recommend and that is fine. Net unrealized appreciation is worth consideration as mentioned by 3spots. Bogleh...
by whodidntante
Wed May 24, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing mortgage question with extra payments
Replies: 4
Views: 453

Re: Refinancing mortgage question with extra payments

Your post is ambiguous but if you owe 392K at 3.375% and will payoff in 64 months, you must be paying $6,701.36/mo and you will have paid 428,887.34 total. If you applied the same P&I to a 3% loan, you will have paid 424,334.11 when you pay it off. You save 4,553.23-minus refi costs. Is that wha...
by whodidntante
Wed May 24, 2017 10:56 pm
Forum: Investing - Theory, News & General
Topic: Cash flow observation
Replies: 21
Views: 1448

Re: Cash flow observation

A pension has a NPV that can be added to net worth for comparison purposes. Not sure what NPV means but many people consider pension and Social Security as well as a form of bond or annuity. If those constitute the bulk of your income and take care of your needs, then you do not need investment wea...
by whodidntante
Wed May 24, 2017 10:53 pm
Forum: Investing - Theory, News & General
Topic: Ally Self-Directed Trading
Replies: 11
Views: 1259

Re: Ally Self-Directed Trading

At least they are putting pressure on the low end with $4.95 trades, that's likely going to be the commission cap going forward everywhere. You mean they put pressure on the high-end. On the low-end you have Interactive Brokers where you pay about $1 per stock trade. IB has a different cost structu...
by whodidntante
Wed May 24, 2017 8:49 pm
Forum: Investing - Theory, News & General
Topic: Cash flow observation
Replies: 21
Views: 1448

Re: Cash flow observation

A pension has a NPV that can be added to net worth for comparison purposes.
by whodidntante
Wed May 24, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 64
Views: 4442

Re: Pet insurance for new puppy

Self Insure. I'd go a step further and say that no one should get a cat, dog or other pet without a fully funded pet emergency fund - that includes the max amount you are willing to spend. I'm not a fan of buckets. My entire net worth is my emergency fund. But I agree you should be able to afford t...
by whodidntante
Wed May 24, 2017 5:53 pm
Forum: Investing - Theory, News & General
Topic: Ally Self-Directed Trading
Replies: 11
Views: 1259

Re: Ally Self-Directed Trading

Ricola wrote:Are they offering any incentives to ACAT existing accounts over the them?


Exactly. Wake me up once they offer cash.
by whodidntante
Wed May 24, 2017 12:08 am
Forum: Investing - Theory, News & General
Topic: Are risk factors just ways to take on additional risk?
Replies: 27
Views: 1015

Re: Are risk factors just ways to take on additional risk?

To quote Fama and French: "If asset-pricing is rational, size and book/market must proxy for risk. If stock prices are irrational however, the persistence is suspect." I watched a Fama interview where he suggests that DFA funds outperform because they are riskier. I don't remember enough ...
by whodidntante
Tue May 23, 2017 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Company "Case Manager"
Replies: 15
Views: 1389

Re: Health Insurance Company "Case Manager"

I don't talk to my health insurance company unless I initiate it or can clearly understand why it would benefit me to do so. I don't see the upside.
by whodidntante
Tue May 23, 2017 10:51 pm
Forum: Investing - Theory, News & General
Topic: Are all markets efficient?
Replies: 28
Views: 1367

Re: Are all markets efficient?

Small, value and other factors are not sufficient to refute the EMH. If you could reliably train stock pickers to beat the market by acting on information in 10ks then you will have disproven the EMH.
by whodidntante
Tue May 23, 2017 10:48 pm
Forum: Investing - Theory, News & General
Topic: Are all markets efficient?
Replies: 28
Views: 1367

Re: Are all markets efficient?

VEMAX is identical in cost and holdings to VWO.
by whodidntante
Tue May 23, 2017 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and their "free advisor" service?
Replies: 33
Views: 2616

Re: Fidelity and their "free advisor" service?

Free advice can be the most expensive.
by whodidntante
Tue May 23, 2017 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: First attending level job but no 401k offered. What are the options?
Replies: 14
Views: 1297

Re: First attending level job but no 401k offered. What are the options?

blueman457 wrote:Can you set yourself up as an independent contractor in the group and set up your own retirement plan? WhiteCoat Investor as a post about his setup.

Blue Man


Be careful.

The definition of "employee" is not linked to what one would like from a tax point of view.
by whodidntante
Tue May 23, 2017 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Is withdrawing money from Vanguard Market Fund taxable?
Replies: 3
Views: 458

Re: Is withdrawing money from Vanguard Market Fund taxable?

It'll generate a small taxable distribution for accrued dividends for the month. Not a big deal. You'll owe taxes on all the distributions you received this year.
by whodidntante
Tue May 23, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 86
Views: 10017

Re: i am my own "guy," but not sure I should advertise that

There are four people in my life who occasionally seek my advice on or sparring on their investments. I have an MBA and my interest in investing is lifelong so I can go deep when it's needed, but it seldom is. I am generally able to be approachable even if I personally would not invest as they do. T...
by whodidntante
Tue May 23, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: Market News Feeds Worth Reading?
Replies: 22
Views: 1747

Re: Market News Feeds Worth Reading?

I just want the RBD alerts.
by whodidntante
Tue May 23, 2017 6:23 pm
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 82
Views: 6945

Re: The dot com "do over" bull market?

The thing about bubbles is you can't see them from the inside.
by whodidntante
Tue May 23, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: Are risk factors just ways to take on additional risk?
Replies: 27
Views: 1015

Re: Are risk factors just ways to take on additional risk?

I think so. I overweight small and value and I certainly don't expect that to lower my standard deviation for my equity holdings. It's risky. There is a benefit to diversifying across factors and it is becoming easier and cheaper to do so. If you also diversify across momentum, quality, low vol the ...
by whodidntante
Tue May 23, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Why Invest in Average?
Replies: 34
Views: 2988

Re: Why Invest in Average?

I'll make them a deal. Double their ERs. All of them. I'll still buy so long as I am guaranteed to receive the total return of the most suitable benchmark every year. If not, they write me a check.
by whodidntante
Tue May 23, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Zacks says sell Wellesley!?
Replies: 74
Views: 7389

Re: Zacks says sell Wellesley!?

Shouldn't we all buy active funds then? Or is it just the W funds from Vanguard?
by whodidntante
Tue May 23, 2017 12:45 am
Forum: Personal Consumer Issues
Topic: Risks of electronic access
Replies: 55
Views: 4019

Re: Risks of electronic access

Electronic access is an attack vector, but it is not only that. You also get information from it that can be used to thwart an attack, and information that is useful for other purposes. I found two bank errors this year using the bank's own website. OK, so this is not fraud but it would have hurt me...
by whodidntante
Tue May 23, 2017 12:27 am
Forum: Investing - Help with Personal Investments
Topic: To me this is the most significant investment lesson ever
Replies: 16
Views: 2810

Re: To me this is the most significant investment lesson ever

Asset allocation matters and it's more important once a portfolio gets large. Humans make investment decisions and many will make behavioral mistakes driven by fear, greed, anger, embarrassment, arrogance, and incompetence. There aren't a lot of humans who perfectly execute the same investment strat...
by whodidntante
Mon May 22, 2017 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Quickest Path to Financial Independence
Replies: 27
Views: 4114

Re: Quickest Path to Financial Independence

Make lots of money, and invest most of it.
by whodidntante
Mon May 22, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Zacks says sell Wellesley!?
Replies: 74
Views: 7389

Re: Zacks says sell Wellesley!?

If I owned it, I would sell it.
by whodidntante
Mon May 22, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest Church Money
Replies: 54
Views: 3712

Re: How to Invest Church Money

Bogleheads like to diversify. Buy sin stocks.
by whodidntante
Mon May 22, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: ebates experiences - what downsides?
Replies: 13
Views: 1075

Re: ebates experiences - what downsides?

Go Blue 99 wrote:Ebates is legit- been using it for years. The only downside I've found is that you have to remember to start at ebates before putting something in your cart.


There is an extension for chrome that will show you when you are missing out.
by whodidntante
Mon May 22, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: To auto loan or not to auto loan?
Replies: 23
Views: 1321

Re: To auto loan or not to auto loan?

I recently financed 40 grand for 5 years at 1.89%. I prefer liquidity to a lack of debt.
by whodidntante
Sun May 21, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: ebates experiences - what downsides?
Replies: 13
Views: 1075

Re: ebates experiences - what downsides?

I've earned a couple hundred on there. No issues so far.
by whodidntante
Sun May 21, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Firefox painfully slow
Replies: 23
Views: 2137

Re: Firefox painfully slow

stan1 wrote:Make sure your hard drive has free space.

Also if you only have 4MB of RAM it may be time to add more.


Yes, Windows 95 really needs at least 8 MB.
by whodidntante
Sun May 21, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: Value vs Equal vs Other Weighing
Replies: 13
Views: 744

Re: Value vs Equal vs Other Weighing

Float weighted indexes like the S&P 500 are trend following indexes, whereas equal weighted portfolios provide exposure to value and small. I personally want exposure to small and value, but I don't do it through an equal weighted index because there are better options available. There are sever...
by whodidntante
Sat May 20, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Are outdoor portable fans worth it?
Replies: 3
Views: 393

Re: Are portable fans worth it?

Fans work reasonably well if it gets cool at night where you live. I will normally leave the windows shut most of the day and cool the house at night. I use two large Patton fans.
by whodidntante
Sat May 20, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 3198

Re: Bad experience with 'rescuing' a lost dog

Two hours from home? Call animal control if you are in a civilized area, then get on with your day.
by whodidntante
Sat May 20, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 20
Views: 2819

Re: NJ Lemon Law 2017 Honda CRV

A jumper is not a solution. If a lead acid battery is discharged and remains discharged, it will be damaged. It accelerates the sulfation process that leads to battery death. If you have a significant parasitic load, you will need to keep it on a maintenance charger to avoid damage to the battery. T...
by whodidntante
Sat May 20, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do if ETF was to expensive
Replies: 14
Views: 862

Re: What would you do if ETF was to expensive

Have you determined that you are unable to be a customer at Interactive Brokers? They won't charge you nearly so much.
by whodidntante
Sat May 20, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Why ETF settlement happens on T+3?
Replies: 22
Views: 1741

Re: Why ETF settlement happens on T+3?

triceratop wrote:Mutual funds sometimes have frequent trading restrictions too; ETF critics like to ignore this point.


That's a good point. T. Rowe Price and I are currently fighting because they don't like my recent trading activity.

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