Search found 1840 matches

by whodidntante
Thu Jul 27, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice on Credit Card Debt
Replies: 38
Views: 1627

Re: Need Advice on Credit Card Debt

I am surprised nobody has suggested an in-between option of taking out a personal loan. I did the exact same thing with over 40K at 9.79 percent versus the usury rates of 25-30 percent. I am now comfortably paying it down (min + adding additional payments) to bring the loan balance continuously low...
by whodidntante
Thu Jul 27, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard Mutual Funds at Merrill Edge
Replies: 4
Views: 308

Re: Buying Vanguard Mutual Funds at Merrill Edge

At Merrill Edge, it would be best to use ETFs.

I don't know if Vanguard offers them, but there are a few asset allocation ETFs out there.

Here's one that is ~82% stock with no glide path. The expenses are reasonable.
https://www.ishares.com/us/products/239 ... cation-etf
by whodidntante
Wed Jul 26, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 49
Views: 2157

Re: BMW Z3 or Z4 or nothing at all?

Apparently I stepped in a meme. :D
by whodidntante
Wed Jul 26, 2017 11:11 pm
Forum: Investing - Theory, News & General
Topic: Investing/ Finance podcasts
Replies: 15
Views: 975

Re: Investing/ Finance podcasts

We Study Billionaires
Meb Faber
Mad Money
Motley Fool Money
Paul Merriman
White Coat Investor

All are available on stitcher.
by whodidntante
Wed Jul 26, 2017 10:33 pm
Forum: Investing - Theory, News & General
Topic: Company has Vanguard 401(K) Offerings At Fidelity? Why?
Replies: 6
Views: 408

Re: Company has Vanguard 401(K) Offerings At Fidelity? Why?

Fidelity is for-profit, and while they don't make profit from every customer, they do OK for themselves. Institutional funds will be offered in plans that taken together can meet the large investment minimums required by the fund. So you are likely working for a large company, and your employer is ...
by whodidntante
Wed Jul 26, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 49
Views: 2157

Re: BMW Z3 or Z4 or nothing at all?

I don't understand the recommendations for a Miata. The OP is asking for a beer and you are offering him a Diet Coke.
by whodidntante
Wed Jul 26, 2017 10:14 pm
Forum: Investing - Theory, News & General
Topic: Company has Vanguard 401(K) Offerings At Fidelity? Why?
Replies: 6
Views: 408

Re: Company has Vanguard 401(K) Offerings At Fidelity? Why?

Fidelity is for-profit, and while they don't make profit from every customer, they do OK for themselves. Institutional funds will be offered in plans that taken together can meet the large investment minimums required by the fund. So you are likely working for a large company, and your employer is s...
by whodidntante
Tue Jul 25, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 73
Views: 3295

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

OldSport wrote:Whenever I do trade in, I will not mention the seats, as the dealer would sense desperation and low ball.


Ask the dealer to make you an offer, and take it if you want, but don't be afraid to sell private party if they try to "steal" your car.
by whodidntante
Tue Jul 25, 2017 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for living off a lump sum severance for one year
Replies: 14
Views: 1200

Re: Strategy for living off a lump sum severance for one year

Is this one year severance payment substantially all the money you have? Approximately what are you expenses in relation to it? E.g., would it last 24 months?
by whodidntante
Tue Jul 25, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging market funds
Replies: 30
Views: 1831

Re: Emerging market funds

IEMG is a good emerging market fund. It is inexpensive to hold and highly liquid. It follows a good index (MSCI IMI) and is a good representation of the total EM stock market. But I suggest that you either hold EM on a permanent basis or not at all. It is quite volatile and attempts to time it proba...
by whodidntante
Tue Jul 25, 2017 10:53 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 73
Views: 3295

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

I owned a Honda once. That was sufficient. My SO is suffering the same problem as you are with her Honda Accord. It has robbed her of enjoying her car. She has the EX (I think) which has the "best" 8 way awful seat they make. I've looked high and low for good solutions and found none. She ...
by whodidntante
Tue Jul 25, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Pausing 401k to Pay Debts?
Replies: 48
Views: 1880

Re: Pausing 401k to Pay Debts?

The return of the match is greater than the interest, so don't stop contributing. Find ways to increase your income and to cut your expenses. Also look for ways to cut your interest rate expense. If your job is stable, consider a 401k loan.
by whodidntante
Tue Jul 25, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Low risk return over 2.8%? Suggestions?
Replies: 18
Views: 1662

Re: Low risk return over 2.8%? Suggestions?

Threads about safe, high returns usually don't end well.
by whodidntante
Tue Jul 25, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Rhoombas, Home Mapping and Privacy
Replies: 15
Views: 1073

Re: Rhoombas, Home Mapping and Privacy

If you've ever left your faraday cage without your tinfoil hat, they know everything anyway.
by whodidntante
Mon Jul 24, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11032

Re: Books not to read.

Anything by Dave Ramsey.
by whodidntante
Sun Jul 23, 2017 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 133
Views: 9732

Re: What's your personal savings rate?

My main target every year is to max all my tax advantaged accounts. That means I put the annual limit in my HSA, my 401k, and a backdoor Roth IRA. Lately I have been been able to accumulate quite a bit in taxable on top of that, but that's mainly because I shelved my debt aversion especially for thi...
by whodidntante
Sun Jul 23, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative Investments best use of expensive 401k?
Replies: 12
Views: 464

Re: Alternative Investments best use of expensive 401k?

Your 401k is extremely expensive. I would complain unless it is a very small company. It would seem that at least some of your investments are not adding 0.89 to the ER. Vanguard Market Neutral appears to be adding 2.24 to the ER. AQR long-short equity is adding 1.68 to the ER. Are you sure you have...
by whodidntante
Sun Jul 23, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: 0 Percent CC - how to take advantage
Replies: 19
Views: 1282

Re: 0 Percent CC - how to take advantage

Risk free returns are low. You could buy short term CDs and use online savings accounts to earn in the neighborhood of 1.5%. That will probably lose to inflation, but since the money is borrowed at 0% you have a no cost inflation hedge. To get more, you have to risk a loss, which may or may not be f...
by whodidntante
Sat Jul 22, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone set portfolio goals and rewards?
Replies: 35
Views: 2081

Re: Does anyone set portfolio goals and rewards?

I have a target in mind that means I am financially independent. Once your portfolio gets some size to it, you realize that the market has more impact than recent contributions. As for what I do, I maximize every tax advantaged account I have and I feel extremely fortunate to be able to do that whil...
by whodidntante
Fri Jul 21, 2017 10:18 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 482
Views: 65951

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Hi all, Received a flyer in mail from Morgan Stanley today - Bonus of $500 if I meet the following req. for 3 consecutive months monthly total DD of $2500 + OR maintain an average daily cash balance of $50,000 AND Use 2 or more each month of ; check writing, online bill pay, automated clearing hous...
by whodidntante
Fri Jul 21, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: simplicity vs chasing bonuses
Replies: 29
Views: 2281

Re: simplicity vs chasing bonuses

Consider that we are in the "golden age" of bonuses. It's driven by a combination of factors. Banks cannot afford to pay high rates yet they need to attract deposits due to banking regulations. And credit cards are a cash cow. The "points" and "new card bonuses" are a l...
by whodidntante
Fri Jul 21, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 53
Views: 2282

Re: Commuters (that drive), what do you listen to?

My commute is 5 minutes long and my drive home usually coincides with the start of Mad Money. So I have Cramer yelling at me the whole way home.
by whodidntante
Fri Jul 21, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 146
Views: 14684

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

I bet Morgan Stanley wouldn't upgrade your accounts, at least not for free.
by whodidntante
Fri Jul 21, 2017 2:44 pm
Forum: Investing - Theory, News & General
Topic: Do you find financial advisors to be all that bright?
Replies: 53
Views: 4659

Re: Do you find financial advisors to be all that bright?

My friend is a CFP and is really into factor investing. He can talk at length about it. And he's never tried to sell me anything. That alone proves he is very bright. ;)
by whodidntante
Fri Jul 21, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: Continue stock picking or invest in index funds
Replies: 25
Views: 2156

Re: Continue stock picking or invest in index funds

There is a bar at the top of your browser. Mine says https://www.bogleheads.org/... What does yours say?
by whodidntante
Thu Jul 20, 2017 11:51 pm
Forum: Investing - Theory, News & General
Topic: Bogle is pro-SCV!
Replies: 36
Views: 3799

Re: Bogle is pro-SCV!

From there it is short walk to multifactor funds, and equity market neutral long-short strategies.
by whodidntante
Thu Jul 20, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: Pre-pay four year tuition?
Replies: 14
Views: 1506

Re: Pre-pay four year tuition?

Most people would be scrambling to pay for Harvard. You are looking for a discount for paying early. You must be doing alright.
by whodidntante
Thu Jul 20, 2017 12:02 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 114
Views: 5220

Re: Would you let your teenager spend all his savings on a gaming computer?

Make sure he saves enough to pay for the electricity. Gaming PCs are basically space heaters. My gaming PC peaks at 200w while playing most games. A Chandler of 5 40w incandescents can be that. It idles around 40w. Less than a typical lightbulb. Space heaters are about 1500w I have a ups that const...
by whodidntante
Wed Jul 19, 2017 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Designed an aggressive 20 year portfolio. Thoughts?
Replies: 24
Views: 1989

Re: Designed an aggressive 20 year portfolio. Thoughts?

AlohaJoe wrote:Why are you making a growth bet?


Growth might not mean what the OP thinks it means.
by whodidntante
Wed Jul 19, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 114
Views: 5220

Re: Would you let your teenager spend all his savings on a gaming computer?

Make sure he saves enough to pay for the electricity. Gaming PCs are basically space heaters.
by whodidntante
Wed Jul 19, 2017 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: anybody dabble in venture capital?
Replies: 24
Views: 1823

Re: anybody dabble in venture capital?

So you have a little gamble in you, eh? May I suggest poker? :happy
by whodidntante
Wed Jul 19, 2017 11:31 pm
Forum: Investing - Theory, News & General
Topic: US and International Bond Fund Allocation
Replies: 93
Views: 4836

Re: US and International Bond Fund Allocation

International bonds are the largest asset class. Someone must be buying them. :)
by whodidntante
Wed Jul 19, 2017 11:29 pm
Forum: Investing - Theory, News & General
Topic: Most Americans don't trust financial advisers
Replies: 63
Views: 5691

Re: Most Americans don't trust financial advisers

I'm not willing to turn over control of my portfolio to anyone, so long as I have my wits. I'm open to new ideas and to challenges of my ideas, but I will be the one pushing the buttons and living with the outcome.
by whodidntante
Wed Jul 19, 2017 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tumbling USD -- expats
Replies: 27
Views: 2287

Re: Tumbling USD -- expats

txranger wrote:I dunno anything about this re: futures....


If it's something you want to understand, here's a primer.
https://www.cmegroup.com/education/file ... utures.pdf
by whodidntante
Wed Jul 19, 2017 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: EMBA experiences?
Replies: 7
Views: 651

Re: EMBA experiences?

I completed a self-paced in-person MBA, and it was a ton of work and quite expensive though I paid very little out of pocket. I say to do it if you have a strategy to realize benefits from it. I'm not saying you need a promotion lined up, but you at least need to think about where you are going with...
by whodidntante
Wed Jul 19, 2017 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: TRowe Price 401k options for a newbie
Replies: 7
Views: 300

Re: TRowe Price 401k options for a newbie

Not a great 401k though many here have worse plans. Unless I overlooked something, your international options are limited to the target date funds. Those are not cheap and wouldn't fit my desired asset allocation, so I would buy the S&P 500 fund. You are a bit young for bonds but if you want the...
by whodidntante
Wed Jul 19, 2017 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should we bird dog our probate lawyer?
Replies: 15
Views: 1990

Re: Should we bird dog our probate lawyer?

Is this thread about duck hunting?
by whodidntante
Wed Jul 19, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff a HELOC advice requested
Replies: 4
Views: 544

Re: Payoff a HELOC advice requested

It seems like your situation is tight and a significant part of your net worth is tied up in a single stock. I would probably sell some of that, at least the parts that are more tax efficient, due to the single stock risk. From what you said I would guess you have Cisco stock which is a fine company...
by whodidntante
Wed Jul 19, 2017 7:45 pm
Forum: Investing - Theory, News & General
Topic: Bid-ask spread on brokered CDs?
Replies: 3
Views: 489

Re: Bid-ask spread on brokered CDs?

I think they are hard to trade on the secondary market. More of a buyer's market. When selling a large amount you might attract the attention of institutional buyers, but I bet they are better at trading than I am.
by whodidntante
Wed Jul 19, 2017 6:28 am
Forum: Investing - Help with Personal Investments
Topic: What has a ticker and is analogous to residential investment property for asset allocation?
Replies: 9
Views: 488

Re: What has a ticker and is analogous to residential investment property for asset allocation?

Buy something that goes up an average of 1% year and that you have to pay huge taxes on, and occasionally burn $10,000 to simulate a roof or a furnace replacement.
by whodidntante
Wed Jul 19, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: Hearing 3 beeps in Prius 2005
Replies: 23
Views: 1485

Re: Hearing 3 beeps in Prius 2005

chancelet wrote:
whodidntante wrote:I am good at identifying beeps. Is it beep beep beep or BEEP beep BEEP?


Are you being funny?? :)

If not, it's a steady beep beep beep, very quick in succession.


Yep, those are beeps. :D

:sharebeer
by whodidntante
Wed Jul 19, 2017 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Tumbling USD -- expats
Replies: 27
Views: 2287

Re: Tumbling USD -- expats

I'm surprised that no one has recommended the one derivative that is designed exactly for this purpose, a currency futures contract. I do not know if you can hedge the bhat specifically but there are several currencies that can be hedged this way. Futures allow you to gain a lot of exposure with a l...
by whodidntante
Tue Jul 18, 2017 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for $4 million - can I do all stocks?
Replies: 72
Views: 5656

Re: Investment advice for $4 million - can I do all stocks?

You'll probably be "that guy" who lost a bunch of money when the stock market crashed. But I guess that is a high quality problem if you don't need the money and you can ride through it.
by whodidntante
Tue Jul 18, 2017 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a House in Foreclosure?
Replies: 13
Views: 1139

Re: Buying a House in Foreclosure?

I have looked at a few foreclosures and found them to be fully valued when considering the condition. Probably the best opportunity is to buy a distressed house that is not currently listed, not one that the bank owns. Look for window air conditioners, bad landscaping, flaking paint, and other signs...
by whodidntante
Tue Jul 18, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: Hearing 3 beeps in Prius 2005
Replies: 23
Views: 1485

Re: Hearing 3 beeps in Prius 2005

I am good at identifying beeps. Is it beep beep beep or BEEP beep BEEP?
by whodidntante
Tue Jul 18, 2017 10:13 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 207
Views: 20770

Re: 2017 hedge fund contest

Based on the Chipotle news and for Sears' inability to correctly fail as a business, I hereby exercise my right to limit redemptions from my investors. I shall release you on January 1st, should you still with to sell.
by whodidntante
Tue Jul 18, 2017 9:42 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 4013

Re: Expense Ratios, how high is too high

Some things I'll pay for, some I won't. For index funds my current high water mark is 0.71% for EEMS -- iShares MSCI Emerging Markets Small-Cap ETF. I should probably sell it because I have small cap emerging through other less expensive funds. For alternatives I'm paying 1.55% for AQR Long Short Eq...
by whodidntante
Tue Jul 18, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Rates in 3 years?
Replies: 26
Views: 2305

Re: Mortgage Rates in 3 years?

In years three it will be 5.3%. This is confirmed by the Illuminati and and Free and Accepted Masons. Secret societies do make certain assumptions about your credit, however.
by whodidntante
Tue Jul 18, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: Cash out refinance residence to invest?
Replies: 11
Views: 875

Re: Cash out refinance residence to invest?

I am currently leveraged 1.2:1, meaning that I could sell taxable investments and eliminate all my debt if I wanted to, though the tax man would get a nice payday if I did. My most expensive loan is currently my mortgage at 2.09% after tax. My other loans are 1.89%, 1.65%, and 0%. I'm in no hurry to...

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