Search found 2007 matches

by whodidntante
Fri Sep 22, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: can I rely solely on the value of my home to retire?
Replies: 11
Views: 702

Re: can I rely solely on the value of my home to retire?

Your home is a non-diversified, risky investment. What could possibly go wrong?
by whodidntante
Fri Sep 22, 2017 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: No down payment for home purchase: what is worst-case scenario?
Replies: 24
Views: 1009

Re: No down payment for home purchase: what is worst-case scenario?

It might fit some people very well. New doctors, for example. It depends on the reason why the person has a negative net worth.
by whodidntante
Thu Sep 21, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Stable value fund
Replies: 27
Views: 1689

Re: Stable value fund

Stable value funds have credit risk since they are backed by corporations. It's not been an issue so far.
by whodidntante
Wed Sep 20, 2017 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 175
Views: 13933

Re: I won the Lottery. Need sound advice.

Your winnings have put you on the path to financial independence. My advice is not to stray from it. I wouldn't reduce my income in your spot, unless you are also OK with a permanent lifestyle reduction. Your household income is ~200k. Put as much away as you can and don't rack up any more high inte...
by whodidntante
Wed Sep 20, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: is AQR long-short really less risky than TSM?
Replies: 11
Views: 694

Re: is AQR long-short really less risky than TSM?

It's a really bizarre fund. It includes tactical allocation, world stock exposure, and a long short equity market neutral alternative source of return. It's not going to be like anything from a risk or a return perspective. I own it.
by whodidntante
Wed Sep 20, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 172
Views: 17533

Re: Calling out the not so rich bogleheads

When I was 35 and freshly divorced it took me 3 or 4 months to save $10 to go out and buy myself 2 Scotchs at $4 each and a $2 tip for the pretty lady who brought them to me. Saved all my pennies, nickels and dimes, there were no spare quarters. It took me a long time to dig out of that situation, ...
by whodidntante
Wed Sep 20, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrade pain coming...
Replies: 17
Views: 2514

Re: Scottrade pain coming...

Merrill Edge will pay you a bonus and is probably best, but IB is a bit cheaper if your purchases will be frequent. $15 per mutual fund trade. I believe it's for a buy or a sell.
by whodidntante
Sun Sep 17, 2017 10:49 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend this month."
Replies: 17
Views: 3098

Re: "Find out if your fund is declaring a quarterly dividend this month."

For those who have Merrill Edge, I aware you that there is an "estimated income" page that will show anticipated dividends for your positions. It is broken down quarterly and projects income for the next four quarters.
by whodidntante
Sun Sep 17, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 538
Views: 82717

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Here's a link for a new $1000 Merrill Edge offer. Note that it says "This limited time offer is valid only for Money Show attendees". They have had similar offers in the past where some people (who had not attended the event) had no trouble signing up online with the offer code, but others reported...
by whodidntante
Sun Sep 17, 2017 7:27 am
Forum: Investing - Theory, News & General
Topic: International Equity: Are managed funds better than Index funds?
Replies: 35
Views: 2110

Re: International Equity: Are managed funds better than Index funds?

So is Morningstar just a useless company making money on people's ignorance, in the opinion of the Bogleheads? Not exactly. When active funds outperform, it is sometimes due to using a style of investing that currently beats the market. One fund might overweight value stocks while another overweigh...
by whodidntante
Sat Sep 16, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: identity verification with Equifax?
Replies: 6
Views: 625

Re: identity verification with Equifax?

I think Equifax has established that they are not able to implement effective security.
by whodidntante
Sat Sep 16, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA has 16 Corp Bonds in it
Replies: 16
Views: 1063

Re: Inherited IRA has 16 Corp Bonds in it

For the longer term bonds, there is a fairly reasonable chance that those companies will go through bankruptcy before they mature. Personally I would hold the 2018/19 ones until they mature and sell the rest. I agree with this comment. You're going to take a hit when selling corporate bonds prior t...
by whodidntante
Sat Sep 16, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Why are so many Chinese visiting my website?
Replies: 14
Views: 2410

Re: Why are so many Chinese visiting my website?

If I am feeling too good about the world, and even reading the comments on news sites isn't helping, I turn to reading firewall logs. Imagine dozens of people all over your house, like ants, trying to get in all the time. LOL. I just looked at my laptop McAfee firewall log, and I need some roach sp...
by whodidntante
Sat Sep 16, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: What funds would you pick if you were creating you own small business 401k?
Replies: 21
Views: 1138

Re: What funds would you pick if you were creating you own small business 401k?

I set our 401k plan up to mimic the TSP, plus we added a REIT fund. Sometimes people just don't believe they can afford to defer. I offer a 4% safe harbor matching contribution at Employee Fiduciary and I pick up all of the costs of the plan. I have two people out of 9 who defer, excluding my wife ...
by whodidntante
Fri Sep 15, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: What funds would you pick if you were creating you own small business 401k?
Replies: 21
Views: 1138

Re: What funds would you pick if you were creating you own small business 401k?

I don't see a compelling reason to offer a REIT, TIPS, or commodities, if you need to free up space. Then again I don't own those in my portfolio. I agree with the suggestions to offer a total bond market fund and a small cap value fund. I would add that you should offer a stable value fund if you ...
by whodidntante
Fri Sep 15, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: What funds would you pick if you were creating you own small business 401k?
Replies: 21
Views: 1138

Re: What funds would you pick if you were creating you own small business 401k?

I don't see a compelling reason to offer a REIT, TIPS, or commodities, if you need to free up space. Then again I don't own those in my portfolio. I agree with the suggestions to offer a total bond market fund and a small cap value fund. I would add that you should offer a stable value fund if you c...
by whodidntante
Fri Sep 15, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 627
Views: 36498

Re: Equifax customer information leak

So Equifax is saying that their executives were not aware of the breach when the executives sold their stock. In other words, one of the 3 major credit bureaus in the US discovered a breach potentially affecting 143 million people, and they didn't bother to inform the CFO for more than 3 days after...
by whodidntante
Fri Sep 15, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Bond return negative. CD or money market alternative.
Replies: 30
Views: 3039

Re: Bond return negative. CD or money market alternative.

This has been discussed here many times. Of course a good Boglehead will stay the course and buy and hold low cost bond funds. I started a thread about alternatives to that and it generated interesting discussion.
viewtopic.php?t=224687
by whodidntante
Thu Sep 14, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: Securities lending revenue: DFA vs vanguard.
Replies: 14
Views: 1132

Re: Securities lending revenue: DFA vs vanguard.

Trying to see if, after controlling for factor weights, there is any advantage of dfa that justifies the higher expense ratio. Even without the advisor fee, seems like vanguard is better in the US if one is targeting factor weights of 0.4 or less. Anyone know if the profitability and momentum scree...
by whodidntante
Thu Sep 14, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: Securities lending revenue: DFA vs vanguard.
Replies: 14
Views: 1132

Re: Securities lending revenue: DFA vs vanguard.

sport wrote:
Wed Sep 13, 2017 4:03 pm
If you look at funds in both companies that track the same index, you should get an answer to your question.
DFA funds are not index funds.
by whodidntante
Wed Sep 13, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Third Federal Savings doing constant credit inquiry
Replies: 3
Views: 334

Re: Third Federal Savings doing constant credit inquiry

Soft inquiries do no harm.

There is a way to opt out of prescreened credit card offers and direct marketing. I prefer to receive these offers, so I don't know how to do that. But someone will be along shortly who does know.
by whodidntante
Wed Sep 13, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Back-door Roth even if under limit?
Replies: 13
Views: 892

Re: Back-door Roth even if under limit?

Were you surprised when you sold the company stock?

I would do a direct roth IRA contribution unless I suspected that I would not qualify.
by whodidntante
Tue Sep 12, 2017 5:29 am
Forum: Personal Consumer Issues
Topic: Three days in Prague during September
Replies: 19
Views: 1600

Re: Three days in Prague during September

These were some good recommendations and I appreciate your responses. We are having our final lunch in Prague and I may recap my trip for the benefit of future travelers, once I don't need to type it with my thumbs.
by whodidntante
Mon Sep 04, 2017 5:49 am
Forum: Investing - Help with Personal Investments
Topic: GLOBAL 1M$ Conservative Growth Portfolio?
Replies: 25
Views: 1818

Re: GLOBAL 1M$ Conservative Growth Portfolio?

The global financial crisis was extraordinary and by picking an allocation that would have done well then you are over fitting. That probably won't be the portfolio to own during the next bear market.
by whodidntante
Sat Sep 02, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: What else besides IRAs and HSA?
Replies: 11
Views: 486

Re: What else besides IRAs and HSA?

Equity index ETFs held in a taxable account are remarkably tax efficient. It's not as good as a tax advantaged account but it's still great because: - You can defer capital gains tax until you sell. It could be many years until you sell so this is a huge benefit. - Tax loss harvesting will reduce ta...
by whodidntante
Sat Sep 02, 2017 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Emergency funds and net worth calcs
Replies: 27
Views: 2469

Re: Emergency funds and net worth calcs

My solution was to put it into my desired asset allocation. I would still have enough liquidity even after an ugly bear market but I realize it is not for everyone. You mentioned your home value doubled. You couple open a HELOC and not be afraid to tap it in the event of a realized emergency, or if ...
by whodidntante
Fri Sep 01, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Dropped envelope of money at bank... Any lawyers here?
Replies: 72
Views: 4008

Re: Dropped envelope of money at bank... Any lawyers here?

Perhaps the person will return the money. All $20 of it.
by whodidntante
Fri Sep 01, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Are Roomba's effective?
Replies: 45
Views: 3023

Re: Are Roomba's effective?

Roomba (n): a device that replaces the need to clean your carpet with the need to clean and maintain your Roomba.
by whodidntante
Fri Sep 01, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Strategy: Mini-retirements [young German looks how to make it work]
Replies: 9
Views: 431

Re: Investment Strategy: Mini-retirements [how to make it work]

@whodidntante Basically you are saying with rebalancing I could manage it? However, I am not really sure if I would be willing to sell a lot in a bear market. The other possibility would be to put even more bonds in it? Yes. Decide on an asset allocation and maintain it with occasional rebalancing ...
by whodidntante
Fri Sep 01, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3944
Views: 1036965

Re: U.S. stocks in freefall

When the market is plummeting I always smile and think "haha. I bet someone has fired up that that "US stocks in freefall" thread again." It does help to joke about the pain .. though if we are honest with ourselves, we haven't REALLY had anything to cry about since the beginning of 2016. I bought ...
by whodidntante
Fri Sep 01, 2017 1:40 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is Always Risky
Replies: 42
Views: 3321

Re: The Stock Market Is Always Risky

I like risk. I like it more when I win.
by whodidntante
Fri Sep 01, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Strategy: Mini-retirements [young German looks how to make it work]
Replies: 9
Views: 431

Re: Investment Strategy: Mini-retirements [how to make it work]

Much will depend on your risk tolerance, or maybe more correctly your loss aversion. Would it really bother you to sell assets at a loss, and would that aversion cause you to derail your life plans? If not, invest 60/40 exactly like you said you wanted to do. When you are not working, draw down your...
by whodidntante
Fri Sep 01, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: Possible change to 401(k) taxation
Replies: 6
Views: 768

Re: Possible change to 401(k) taxation

Aren't you jealous that you missed the opportunity to post in this locked thread?
by whodidntante
Thu Aug 31, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 60
Views: 12291

Re: 2 comma club (my way)!!

Mrxyz wrote:
Thu Aug 31, 2017 7:46 pm
Update:

Made it to 2M
His 475
Her 250
Taxable 1300

Does not include paid off home and cars, or kids 529 (3 kids but have only 110k)

Thanks to all!
You should call in rich.
by whodidntante
Thu Aug 31, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Valuation of Private Business in Net Worth Calcuations
Replies: 18
Views: 753

Re: Valuation of Private Business in Net Worth Calcuations

What is the purpose of the valuation? For example, are you attempting to show you are an accredited investor?
by whodidntante
Wed Aug 30, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Is this common bank queuing etiquette? (rant)
Replies: 18
Views: 1327

Re: Is this common bank queuing etiquette? (rant)

You went inside of a bank? I just assumed they were for decoration. :happy

Except for Chase. They give me $500 every time I go there. :moneybag
by whodidntante
Wed Aug 30, 2017 5:43 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Funds
Replies: 5
Views: 1518

Re: Fidelity Funds

Your friend should decide upon their desired asset allocation which will be based on willingness, need, and ability to take risk. Broadly, decide on the percentage of stocks and bonds that are desired, and how much international stock to hold. Stocks and bonds are risk assets and your friend should ...
by whodidntante
Tue Aug 29, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: Rob Arnott: Dump US stocks buy EM
Replies: 65
Views: 5369

Re: Rob Arnott: Dump US stocks buy EM

lazyday wrote:
Tue Aug 29, 2017 6:49 pm

My favorite emerging value fund: FNDE
That fund overweights South Korea at about 20% of total. Just FYI.
by whodidntante
Tue Aug 29, 2017 6:49 pm
Forum: Investing - Theory, News & General
Topic: Review with Me - Larry Swedroe's new book
Replies: 160
Views: 6515

Re: Why I asked for Larry book thread to be closed

We should lock this thread and create a new thread about it.
by whodidntante
Mon Aug 28, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 59
Views: 5279

Re: I ran out of credit card signups bonus...

I'm just curious, For those churners out there who are willing to share, Historically how much upfront rewards do you typically pull in for year? I never really realized it could be as lucrative as it is with some of these bonuses at $500+ a pop. I'm not ready to start churning but I may start doin...
by whodidntante
Mon Aug 28, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 59
Views: 5279

Re: I ran out of credit card signups bonus...

I'm just curious, For those churners out there who are willing to share, Historically how much upfront rewards do you typically pull in for year? I never really realized it could be as lucrative as it is with some of these bonuses at $500+ a pop. I'm not ready to start churning but I may start doin...
by whodidntante
Mon Aug 28, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 59
Views: 5279

Re: I ran out of credit card signups bonus...

Amex bonuses are once per lifetime. Chase and BoA will repeatedly pay bonuses but read up on the details. BoA will even allow one person to open multiple cards of the same type at once.

You can also open business cards.
by whodidntante
Sun Aug 27, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: How and when do you decide to do Tax Loss Harvesting?
Replies: 24
Views: 2353

Re: How and when do you decide to do Tax Loss Harvesting?

I start to think about it when I can harvest a few hundred bucks in losses. We are in the midst of a long bull market and I'm dubious that a downturn will persist very long, so I grab the loss while I can. In a deep bear market I would be a little more patient.
by whodidntante
Sun Aug 27, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: Are Banking stocks cheap?
Replies: 7
Views: 986

Re: Are Banking stocks cheap?

This article discusses sector rotation. Banking would be in the financials sector.

https://www.fidelity.com/viewpoints/inv ... r-strategy
by whodidntante
Sun Aug 27, 2017 3:09 pm
Forum: Investing - Theory, News & General
Topic: Small-Cap Value has had higher returns than Total Stock Market, with lower risk
Replies: 49
Views: 4189

Re: Small-Cap Value has higher returns than Total Stock Market, with lower risk

I have a very noobie question, what are the best metrics you use or anybody in general should use to measure downside risk or risk in general ? A lot of this seems to be going over my head There are a few ways and it just depends on what you are trying to measure. Standard deviation is probably mos...
by whodidntante
Sun Aug 27, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Wait & You'll Likely Miss Out
Replies: 74
Views: 9938

Re: Larry Swedroe: Wait & You'll Likely Miss Out

That guy seems well informed. He should probably post here. :wink:
by whodidntante
Sun Aug 27, 2017 9:05 am
Forum: Investing - Theory, News & General
Topic: factor based investing
Replies: 43
Views: 2704

Re: factor based investing

Somehow this doesn`t sound revolutionary to me. It's grown out of academia which imparts validity. A factor is a source of risk and returns, and to avoid overfitting investors normally require a "risk story." You can find all sorts of things that appear to explain returns in a backtest, but that do...
by whodidntante
Sun Aug 27, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Risks of Employer Paid Disability Insurance
Replies: 20
Views: 1249

Re: Risks of Employer Paid Disability Insurance

Thanks to everyone who responded. It looks like it would be wise to add a LTD policy of my own. Since I've been saving I would not need to cover my full expenses with the policy, so I will shop for a policy that would pay about 30% of my income. I hope that will reduce the premium substantially.
by whodidntante
Sat Aug 26, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: My Mom's portfolio
Replies: 14
Views: 1356

Re: My Mom's portfolio

Going from 0% stock to 50% stock is quite a swing. Does she understand the risks involved with that and will she act in her own best interests once the risk is realized? Some people can't handle even 30% stock. My own father can't (currently 0% stocks). I don't get the 100k emergency fund. If she wo...