Search found 3551 matches

by whodidntante
Thu Jul 19, 2018 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Reevaluating mortgage payoff strategy
Replies: 13
Views: 1145

Re: Reevaluating mortgage payoff strategy

I wouldn't pay it off. Though I did struggle to decide that, same as you. I naturally have leverage aversion and I decided to overcome it in the face of incredibly low rates. I decided it made sense to take on more debt, not less. So I did. It happened to work out very well for me, but one should no...
by whodidntante
Wed Jul 18, 2018 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Weird info from HR on HSA
Replies: 9
Views: 1077

Re: Weird info from HR on HSA

Helpful and wrong.
by whodidntante
Wed Jul 18, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Why Does Vanguard Emerging Markets not Tie to Market Caps?
Replies: 6
Views: 623

Re: Why Does Vanguard Emerging Markets not Tie to Market Caps?

You're not looking at free float, are you? Most stock indexes intended for investment adjust weights for float. I wasn't aware of that. So when we say market cap weighted which we do on here constantly, that is a misnomer. It should be free float market cap weighted as there are some rather large d...
by whodidntante
Wed Jul 18, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 62
Views: 10294

Re: New Capital One 360 ACH limits

ReformedSpender wrote:
Tue Jun 26, 2018 12:37 pm
A third representative has confirmed the million dollar ACH transfer limit

:beer
In that case, I'll close my account. It'll take a few weeks, what with the restrictive limits and all.
by whodidntante
Wed Jul 18, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Bond ETF with the shortest Duration
Replies: 7
Views: 505

Re: Bond ETF with the shortest Duration

ICSH or BIL
There aren't any ETFs that do not have a fluctuation in price, for multiple reasons.
by whodidntante
Wed Jul 18, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Newbie: 35 and I have no idea what I'm doing
Replies: 9
Views: 1355

Re: Newbie: 35 and I have no idea what I'm doing

Easiest thing to do is just sell everything in taxable account and buy Vanguard 2055 with that money as well. The fund will automatically get more conservative as you age. Or if you're confident about the home purchase buy Vanguard Prime Money Market to be safe. That will not be tax efficient once ...
by whodidntante
Wed Jul 18, 2018 6:56 am
Forum: Investing - Help with Personal Investments
Topic: short-term treasuries for short-term savings?
Replies: 9
Views: 532

Re: short-term treasuries for short-term savings?

Sounds fine to me. You can sell T-bills prior to maturity if you hold them at your broker, not at Treasury Direct.
by whodidntante
Wed Jul 18, 2018 6:30 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 14
Views: 905

Re: International Stocks in Taxable?

What complexity does it add to your tax return? It's straight forward on mine.
by whodidntante
Tue Jul 17, 2018 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: How can I pay my credit card balance with a Visa Gift Card?
Replies: 32
Views: 2413

Re: How can I pay my credit card balance with a Visa Gift Card?

To me it appears that manufacture spending is still alive but not as easily done as it was a couple of years ago. A word of caution if you sign up at any of these forms. People on some of these forms can be down rite rude to Newbies. I had a dream that manufactured spending is alive and well, and c...
by whodidntante
Tue Jul 17, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about job change but current job gives 9% salary into 401k..
Replies: 24
Views: 2312

Re: Thinking about job change but current job gives 9% salary into 401k..

Well, you should be maxing your 401k each year and getting the full match, so the marginal analysis is based on what the match is at the other employer. The 9% non-elective contribution might be more of a perk for a non-Boglehead, all of which do not save anything.
by whodidntante
Tue Jul 17, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 58
Views: 2702

Re: 35 minute connection for flight, long enough?

I wouldn't do a 35 minute connection. I don't like to gamble. :twisted: :beer
by whodidntante
Tue Jul 17, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone have experience with Redneck bank?
Replies: 13
Views: 1442

Re: Anyone have experience with Redneck bank?

BTW T-bills are really attractive right now, particularly if you are in a state with an income tax. I would buy those if I wanted fixed income in taxable.
by whodidntante
Tue Jul 17, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone have experience with Redneck bank?
Replies: 13
Views: 1442

Re: Anyone have experience with Redneck bank?

I've had a ridiculous Redneck bank horse debit card in my possession for a few years. I like the account. It does what I expect. I've had the following issues: No international ATM access. They blocked the transaction for a "security" check after initiating a transfer one time, when the account was ...
by whodidntante
Tue Jul 17, 2018 10:01 pm
Forum: Investing - Theory, News & General
Topic: Rebalance into international?
Replies: 7
Views: 907

Re: Rebalance into international?

I did. I also had sold international equities before that to buy the lagging USA equities. Them's the breaks.
by whodidntante
Tue Jul 17, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Exponential ETFs Podcast with Rick Ferri and Josh Brown
Replies: 4
Views: 694

Re: Exponential ETFs Podcast with Rick Ferri and Josh Brown

You learn something new every day. Reverse cap weighting would be a strange way to load on value and size, I think. Possibly also a negative loading on momentum. Buying a mid cap value fund would make more sense. Will have to listen to the podcast.
by whodidntante
Tue Jul 17, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Semi-Retire by 40-45, possible/realistic?
Replies: 17
Views: 2533

Re: Semi-Retire by 40-45, possible/realistic?

If your part time earnings will cover most of your expenses (which are really low) then sure. If you're envisioning frequent luxury vacations and lounging around, then no.
by whodidntante
Tue Jul 17, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring money from Canada - Wait for exchange rate to improve?
Replies: 11
Views: 374

Re: Transferring money from Canada - Wait for exchange rate to improve?

My personal take is that it's 50 grand so either waiting or converting immediately isn't going to make a huge difference in your financial life. If you want to bring the money to the USA but maintain exposure to the loonie, you can accomplish that via a futures contract. The fact that it isn't worth...
by whodidntante
Tue Jul 17, 2018 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Smart401K going away
Replies: 11
Views: 991

Re: Smart401K going away

If you need this kind of advice, you could meet with a fee only financial advisor every year or so. A target retirement fund is likely cheaper.
by whodidntante
Mon Jul 16, 2018 10:54 pm
Forum: Investing - Theory, News & General
Topic: Why is leveraging property good but leveraging stocks bad?
Replies: 169
Views: 10484

Re: Why is leveraging property good but leveraging stocks bad?

One more question I would like to resolve. I'm assuming most of us Bogleheads have some configuration of a stock/bond index fund portfolio. If one were offered a no margin call loan with rates equivalent to home mortgage rates, would one take it if still in accumulation phase? If I'm not going with...
by whodidntante
Mon Jul 16, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 66
Views: 2822

Re: Have you ever purchased a pricy musical instrument?

Yes, I have. The sweet spot is personal. My pricey instrument might be your garbage.
by whodidntante
Mon Jul 16, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 137
Views: 8657

Re: Why own a bed?

It is easier than explaining to dozens of conquests why you don't own a bed.
by whodidntante
Mon Jul 16, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 114
Views: 6134

Re: Anyone not have a Budget?

I use a spreadsheet to track the impending monthly doom that will befall my Fidelity CMA account, so that I do not overdraft and incur a margin debit. I only keep a few weeks of cash on hand and the rest is in the capital markets. But I don't care if I spend $150 vs $100 on gas, etc. I prefer to mak...
by whodidntante
Sun Jul 15, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 4886

Re: Where to get a $100 bill?

Casino. Might as well gamble too.
by whodidntante
Sun Jul 15, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me get to 80/20
Replies: 5
Views: 781

Re: Please help me get to 80/20

The previous posted proposed a layout across the accounts, so I'm adding on some possibilities for international SCV. On the international SCV side, the best offerings are from DFA. I have not seen a great international SCV fund that is low cost and available without an advisor. DGS WisdomTree Emerg...
by whodidntante
Sun Jul 15, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4385

Re: FireCalc: How big a grain of salt?

Expected returns are low, particularly for domestic stocks. So I think firecalc is going to give you an optimistic answer.
by whodidntante
Sun Jul 15, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Please help me get to 80/20
Replies: 5
Views: 781

Re: Please help me get to 80/20

How much of a small value tilt do you want? Are you trying to achieve a certain factor loading, a certain M* style box, or do you just want x% in a fund with "small value" in the name? Do you also want a small value tilt for international emerging and international developed? How much?
by whodidntante
Sun Jul 15, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Abundance came late, now I'm overwhelmed playing catch up
Replies: 26
Views: 4355

Re: Abundance came late, now I'm overwhelmed playing catch up

Apparently risk aversion runs in my family but didn't rub off on me. My grandmother never owned stocks in her life, and kept her money in CDs at the local bank. My mother and father have annuities and CDs and probably too much cash, but my father is at least skilled at finding competitive rates. He ...
by whodidntante
Sun Jul 15, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Inlaws need $50k loan for new home, hard time finding lenders
Replies: 17
Views: 2317

Re: Inlaws need $50k loan for new home, hard time finding lenders

mortfree wrote:
Sat Jul 14, 2018 8:39 pm
Borrow more (100k for instance) and then pay a lump amount after the first payment is due (????)
That is what I would do, if the rate were high at least.
by whodidntante
Sat Jul 14, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: Why is leveraging property good but leveraging stocks bad?
Replies: 169
Views: 10484

Re: Why is leveraging property good but leveraging stocks bad?

When was the last time you heard of house prices falling? All the time. In 2006-2008, they fell 50%. In some cities, even more. A house is an undiversified risk asset. Some people buy a "bad" property that ends up having a major issue affecting it's value, or even something happens nearby that affe...
by whodidntante
Sat Jul 14, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 57
Views: 6970

Re: Be Careful Using Mailboxes

It's a reasonable security precaution to eliminate the use of checks from your life. You'll be fine because it is no longer 1940 and there are typically better options available. Specifically, use credit cards, bill payment services, mobile payments, ACH, Zelle, Paypal, and wire transfers. I guess y...
by whodidntante
Sat Jul 14, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: Why is leveraging property good but leveraging stocks bad?
Replies: 169
Views: 10484

Re: Why is leveraging property good but leveraging stocks bad?

Leverage is not bad for stocks. I am unapologetically leveraged. I didn't chose a margin loan to do it, instead, I have four fixed rate loans with APRs of 0%, 0%, 1.89%, and 3.125%. I carry this debt for cheap leverage, tax deferral, and the three lowest rate loans are a profitable investment in the...
by whodidntante
Sat Jul 14, 2018 7:52 am
Forum: Investing - Theory, News & General
Topic: Which Brokerage to use strictly for Brokered CDs
Replies: 18
Views: 1406

Re: Which Brokerage to use strictly for Brokered CDs

I think Fidelity would be a good choice. I've bought treasuries there before and the interface works great. Their rates seem on the high end for brokered CDs, though there are slight differences day to day and the highest rate crown does get passed around.
by whodidntante
Fri Jul 13, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10337

Re: COMING SOON: BOGLEHEADS PODCASTS

-Bogleheads Cap-Weighted Radio People with fancy degrees decided it was better to float weight indexes than to cap weight them. Although some of them unfortunately had a B.A., the school was still really expensive. -Bankin' Dat Scrilla with Bogleheads I guess we can end the contest now, having foun...
by whodidntante
Fri Jul 13, 2018 5:33 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10337

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads, Bogleheads, Bogleheads!
by whodidntante
Thu Jul 12, 2018 11:38 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10337

Re: COMING SOON: BOGLEHEADS PODCASTS

Hey, Hey, 401(k)!
Draft of theme music: https://www.youtube.com/watch?v=IagZIM9MtLo
by whodidntante
Thu Jul 12, 2018 11:30 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10337

Re: COMING SOON: BOGLEHEADS PODCASTS

As the Sail Blows
by whodidntante
Thu Jul 12, 2018 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: E*TRADE International Stock Index Funds
Replies: 4
Views: 216

Re: E*TRADE International Stock Index Funds

IXUS is the best foreign float weighted index fund in my opinion. I have a nice little chunk myself. It has emerging markets, small cap stocks, and tax efficiency. Buy early and often.
by whodidntante
Thu Jul 12, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10337

Re: COMING SOON: BOGLEHEADS PODCASTS

The factor investing mortgage payoff podcast.
Tanelorn on Hedge Funds.
From diehard to livesoft.
Toons says to just pay it off.
by whodidntante
Thu Jul 12, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: Bonds in rising interest rate environment
Replies: 12
Views: 1045

Re: Bonds in rising interest rate environment

Low yielding bonds are not a good idea from an expected return point of view, but folks around these parts see fit to buy them anyway. They must have different reasons than expected returns. What is the problem you are trying to solve?
by whodidntante
Thu Jul 12, 2018 5:53 pm
Forum: Investing - Theory, News & General
Topic: Direct Real Estate Returns
Replies: 92
Views: 5072

Re: Direct Real Estate Returns

People say all kinds of things to defend their darlings. But if I could RELIABLY get 18% net a year on the total investment exposure where I live now with acceptable risk that does not involve being an on call maintenance guy and renter qualifier guy, and eviction expert who is unable to go on vacat...
by whodidntante
Thu Jul 12, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10337

Re: COMING SOON: BOGLEHEADS PODCASTS

Rich Cheapskates
by whodidntante
Thu Jul 12, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Amex in Europe
Replies: 18
Views: 1000

Re: Amex in Europe

I've had luck using AmEx in Europe. Maybe you know already, but you cannot assume universal credit card acceptance in Europe. It depends on where you are going and what you are doing. And there are still issues that show up if you do not have a chip and PIN priority card. For example, I could not bu...
by whodidntante
Wed Jul 11, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5355

Re: Anyone take naps at work?

The real question is if anyone is awake.
by whodidntante
Wed Jul 11, 2018 11:02 pm
Forum: Investing - Theory, News & General
Topic: Dow 40000 prediction for 2025
Replies: 44
Views: 3868

Re: Dow 40000 prediction for 2025

I just got back from 2025, and I can say this prediction is remarkably accurate. Unfortunately, inflation averaged 9% and the dollar lost a third of it's value after the rise of regional reserve currencies. But the worst part is that beef is illegal in the future.
by whodidntante
Wed Jul 11, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: Disappointed with Fidelity's Online Interface
Replies: 19
Views: 1550

Re: Disappointed with Fidelity's Online Interface

There is science supporting that people are much more accepting of incremental changes. Individuals may claim they want revolutionary or highly innovative designs that are a step change better, but they don't. They want the system they had before with some minor tweaks. Look at the behavior of auto ...
by whodidntante
Tue Jul 10, 2018 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Mega backdoor Roth: confusing form for in-service withdrawal
Replies: 7
Views: 394

Re: Mega backdoor Roth: confusing form for in-service withdrawal

Thanks tfb and magicrat. I'll try customer service one more time, but I think they are unable to split. The form was supposed to be the "power user" way of doing this rollover. The other person I spoke to on the phone could not do anything that I could not do online. I've considered writing a letter...
by whodidntante
Mon Jul 09, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Mega backdoor Roth: confusing form for in-service withdrawal
Replies: 7
Views: 394

Re: Mega backdoor Roth: confusing form for in-service withdrawal

Can you do it as two steps? Roll the basis (a known $ amount) to a Roth IRA. Then, once that's done, roll 100% to a traditional (since it will all be growth). I suspect that the I would owe prorated taxes since you are not allowed to withdraw the after tax contributions without the earnings. I coul...