Search found 48 matches

by corpgator
Sat May 22, 2021 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Online Bank Recommendations
Replies: 63
Views: 5246

Re: Seeking Online Bank Recommendations

Several months ago Ally changed it so you now have to call them to close a CD. I see that now (logged in and looked). They never told me. I'm a night owl and have tried to log in several times late at night with Ally and had the system down for maintenance. That's something to consider when traveli...
by corpgator
Sat May 22, 2021 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Seeking Online Bank Recommendations
Replies: 63
Views: 5246

Re: Seeking Online Bank Recommendations

I'm a night owl and have tried to log in several times late at night with Ally and had the system down for maintenance. That's something to consider when traveling overseas. To me it's also unacceptable - an online bank should never be down for maintenance. There are plenty of ways to keep the syste...
by corpgator
Thu May 13, 2021 9:36 am
Forum: Personal Investments
Topic: Most secure Two factor authentication out of Fidelity, Vanguard, Charles Schwab?
Replies: 21
Views: 3114

Re: Most secure Two factor authentication out of Fidelity, Vanguard, Charles Schwab?

If you don't want to use the symantec app, you can use this method to spoof it and use another app like duo or google auth:

https://www.reddit.com/r/personalfinanc ... hoice_for/
by corpgator
Mon Apr 19, 2021 12:39 am
Forum: Investing - Theory, News & General
Topic: Starting a test going forward: Motley Fool versus index fund
Replies: 23
Views: 3159

Re: Starting a test going forward: Motley Fool versus index fund

We're over a year later, any updates? I checked the 5 stocks recommended and if you had dropped an equal amount in all of them at the time you posted, you would have out performed SPY and VFX by significant amounts.
by corpgator
Thu Feb 25, 2021 6:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23379
Views: 3057038

Re: U.S. stocks in free fall

What's odd about this is both stocks and bonds are falling. There is no safe haven in LTTs like there was in March during the crash. Perhaps if this continues, it will be time to buy into LTTs again, but for now, I am comfortable that I sold my TLT in May when I did. I find this odd as well. I get ...
by corpgator
Tue Feb 02, 2021 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10569
Views: 781698

Re: Refinance Mega Thread

I got an offer from Semper for a VA IRRRL and then LoanDepot beat it - 1.99 with no closing costs. I asked Semper to match and they didn't respond, so I signed the intent to proceed with LoanDepot. Yesterday Semper came back with 1.875 and no costs. Can I withdraw my loan from LoadDepot or am I obli...
by corpgator
Fri Jan 29, 2021 11:30 am
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4733
Views: 250289

Re: [GameStop GME trading mega-thread]

GME price seems pretty flat for a while now. Could this be a indication big shorts arent buying up GME stock anymore, and that the demand is now just small players buying? Still lots of limits on who can buy and how much, so the volume is very low unlike previous days where it was the most traded s...
by corpgator
Fri Jan 29, 2021 1:07 am
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4733
Views: 250289

Re: GameStop GME: anyone joining?

Wallstbets aside, which is the polar opposite of the Boglehead philosophy, Bogleheads own this stock in their indexing approach. Granted for the individual is isn’t even a blip on the radar for indexers, but it’s not individual day traders who own the lions share of this stock. Look at the ownershi...
by corpgator
Thu Jan 28, 2021 7:08 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4733
Views: 250289

Re: [GameStop GME trading mega-thread]

I hope we won't see a thread pop up asking: "What to do with 47.9 million after I sold all GME?" https://i.redd.it/a309gkm5yxd61.png I skipped page 26 to 35 of the thread so am now lost... why did this individual not sell? is he the main one trying to make a point? I feel like you can mak...
by corpgator
Thu Jan 28, 2021 7:03 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4733
Views: 250289

Re: [GameStop GME trading mega-thread]

It looks like the brokers are, in fact, running into real problems due to the volatile trading. And if you ask, "Why didn't they tell us that?", the answer is actually pretty simple. If Robinhood says, "We need you to stop buying GME or we may become insolvent", everyone will st...
by corpgator
Thu Jan 28, 2021 11:50 am
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4733
Views: 250289

Re: GameStop GME: anyone joining?

This wasn’t a simple trading halt. They actively prevented buying of the stock. Any asset is only worth what someone is willing to pay for it. By restricting orders to sell only they’ve allowed the price to crash....I was FOMO-ing at the mouth the last couple days and somehow managed to stay out. B...
by corpgator
Thu Jan 28, 2021 10:56 am
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4733
Views: 250289

Re: GameStop GME: anyone joining?

Here's the latest data then for brokerages preventing the buying of stocks, even when not on circuit breakers: 1/28/21: 10:45 am EST Bad (restricts trading of stocks even when not under circuit breaker): -Robinhood -IB -Merrill Edge (just restricted) Currently still good: -Fidelity -Schwab -TD -Van...
by corpgator
Thu Jan 28, 2021 10:16 am
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4733
Views: 250289

Re: GameStop GME: anyone joining?

We need to compile a list of good and bad brokerages from this. Bad (restricts trading of stocks even when not under circuit breaker): -Robinhood -IB Currently still good: -Fidelity -Merrill Edge Can anyone test Vanguard, Schwab, or others? Schwab seems to be ok. I could purchase shares if I had an...
by corpgator
Wed Jan 27, 2021 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10569
Views: 781698

Re: Refinance Mega Thread

What am I doing wrong? No one wants to give me a quote even after filling out applications. It's all sign this (I have not as of yet) and call me and we can discuss and blah blah blah. Everyone else seems to be able to get a quote through email and then shop around. I'm trying to do another VA IRRRL.
by corpgator
Mon Jan 25, 2021 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10569
Views: 781698

Re: Refinance Mega Thread

Just closed this morning on our refi. ~$310k at 2.000% VA fixed for 30 years. A+B+C-J (Credits) = $950. Originally financed the property at 4.25%, refied at 2.75% in 2012, and didn't expect it to ever drop to 2%, but managed to lock it in before the rates started creeping back up. Plan to pay it of...
by corpgator
Wed Jan 13, 2021 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA first-time user
Replies: 33
Views: 3655

Re: FreeTaxUSA first-time user

I've been using turbotax for the convenience of not having to import anything, but the price goes up every year and this year they still haven't gotten the stimulus payments worked out. I had a baby this year in between the payments, but everything I read said I'd get both. When it came time to ente...
by corpgator
Mon Jan 04, 2021 2:43 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3581
Views: 595233

Re: What are you up YTD? [Year To Date]

Instead of some 2020 full-year numbers, here are some increases since March 23, 2020 to December 31, 2020 72.0% VTSAX Vg Total US 63.8% VTIAX Vg Total Intl 84.0% VSIAX Vg Small-cap Val 79.8% VSS Vg Small-cap Foreign 72.5% MTUM iShares USA Momentum 07.4% VBTLX Vg Total Bond https://i.imgur.com/yUuYx...
by corpgator
Fri Jan 01, 2021 10:05 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3581
Views: 595233

Re: What are you up YTD? [Year To Date]

19.64% returns according to my bogleheads spreadsheet.

Net worth up 42.8%. 2 years in a row of 40+% growth. No way I can get it 3 years in a row, but who knows.
by corpgator
Tue Dec 22, 2020 2:34 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10569
Views: 781698

Re: Refinance Mega Thread

Any suggestions on where to shop for VA loans? Zillow lists a lot of companies - best I see is a 2.25% rate on a place worth $600k with a $545k loan. Also, I was in forbearance but brought my loan back up to current recently. I refinanced 9 months ago and have made 8 payments. Can I refi now or do I...
by corpgator
Thu Dec 17, 2020 3:13 am
Forum: Investing - Theory, News & General
Topic: Bitcoin breaks $20,000
Replies: 231
Views: 11548

Re: Bitcoin breaks $20,000

If people lose interest in Apple, Apple will sell sell product, make less money, and value will decrease. I can’t believe that you don’t know that. In the short run, stock values are very emotionally driven. In the long they are based on profit. Still don't see anything "fundamental" (lik...
by corpgator
Sun Nov 15, 2020 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: High Earner Careers?
Replies: 305
Views: 49708

Re: High Earner Careers?

The average doctor makes more. The ceiling is higher with law and it’s not close. Average profits per partner at AmLaw 100 was $2mil in 2019. I was curious how average profit per partner translates into compensation for the partner. I found this interesting survey: https://law.yale.edu/sites/defaul...
by corpgator
Mon Nov 09, 2020 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: High Deductible vs. PPO
Replies: 11
Views: 838

Re: High Deductible vs. PPO

As long as you plan on staying at the job the HDHP comes out ahead. If you're planning on leaving halfway through, it can hurt meeting your deductible then having to start over again at a new job.
by corpgator
Sat May 23, 2020 1:40 am
Forum: Investing - Theory, News & General
Topic: I don't understand stock buybacks
Replies: 169
Views: 9838

Re: I don't understand stock buybacks

On a somewhat related note, I thought I’d take this opportunity to invoke the power of the BH community. I believe that there are cases in which some companies have spent more on buybacks over the last couple of decades than the current market cap. I do NOT have a source for that though. Boeing &am...
by corpgator
Wed May 06, 2020 3:55 pm
Forum: Investing - Theory, News & General
Topic: Looking for alternative to Vanguard
Replies: 107
Views: 7477

Re: Looking for alternative to Vanguard

Use a password manager for everything. For the password manager, take the comic's advice and make a very long easy to remember passphrase. If you want to make it harder to crack, add a random character in the middle, but this won't matter much. Myreally%longpassphrase Remember that google voice can ...
by corpgator
Sat May 02, 2020 1:51 am
Forum: Investing - Theory, News & General
Topic: Do you keep moving your cash around chasing yield?
Replies: 56
Views: 5775

Re: Do you keep moving your cash around chasing yield?

I have mine in Ally. They're 2nd tier for rates, but pretty consistently near the top. 1.5% right now. Best you can get now is 1.75%, but since those other banks seem to cut to on a whim sometimes to 0, no sense chasing a few extra dollars a month.
by corpgator
Thu Jan 02, 2020 8:30 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3581
Views: 595233

Re: What are you up YTD? [Year To Date]

Bogleheads return spreadsheet says 35.3% for a 95/5 portfolio, but I'm not tracking my cash which fluctuated a lot this year with me buying a house and is now down to 70/30 when counting cash as part of my bonds/fixed (I'm in the early accumulation phase). Bearded Ladies says 47% increase for the ye...
by corpgator
Sun Mar 31, 2019 7:50 pm
Forum: Investing - Theory, News & General
Topic: I don't understand stock buybacks
Replies: 169
Views: 9838

Re: I don't understand stock buybacks

Stock buybacks should be illegal and were rarely used until the 80s. A dividend should be more than enough, but insiders can't benefit from dividends like they can from buybacks. They extract profits that can be re-invested in the company and instead gives them to shareholders and especially top exe...
by corpgator
Fri Mar 22, 2019 1:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23379
Views: 3057038

Re: U.S. stocks in free fall

Surprised it took this long to get back to the front page.
by corpgator
Sat Feb 02, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator
Replies: 155
Views: 22073

Re: Downloadable Social Security Benefit Estimator (2019 Update)

The speadsheet is great, but could be please have the password to unprotect the sheets or remove the password altogether? On my version of excel 2010, I cannot even make columns wider to be able to see the amounts I put in he boxes of 5 figures or greater.
by corpgator
Sat Jan 26, 2019 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Do you ever feel overpaid?
Replies: 72
Views: 5131

Re: Do you ever feel overpaid?

I'm making more than I ever thought I would - just now breaking 6 figures with my bonus factored; I grew up poor and so thought $50k would be unthinkable, but at my current salary for the work I do, I feel I am underpaid. On the other hand, when I look for jobs with comparable salaries or a bump, th...
by corpgator
Tue Jan 01, 2019 4:57 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3581
Views: 595233

Re: What are you up YTD? [Year To Date]

Bogleheads returns spreadsheet says I'm down 9.008% for the year. Bearded ladies returns is 25% but I'm in the accumulation phase. Still stung a little having a year with negative returns.
by corpgator
Sun Dec 30, 2018 1:46 am
Forum: Investing - Theory, News & General
Topic: College Inflation rate?
Replies: 59
Views: 3891

Re: College Inflation rate?

My tuition for 1989-90 (senior year) was $13,000. That same institution currently charges $54,000. Oy vey. The tuition has increased in price over the past 29 years due to inflation, and then some to be sure. $13K in 1989 dollars is $26K in 2018 dollars. https://farm8.staticflickr.com/7883/31573796...
by corpgator
Sat Dec 22, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23379
Views: 3057038

Re: U.S. stocks in free fall

How close are weekend futures in regard to Monday opens? SP500 futures off 2.5% thus far, so next week looking like more of the same.
by corpgator
Wed Dec 19, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23379
Views: 3057038

Re: U.S. stocks in free fall

2 and 5 year are inverted again. 2 and 10 are getting close. 12 month and 5 year are equal.
by corpgator
Wed Dec 19, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23379
Views: 3057038

Re: U.S. stocks in free fall

Flymore wrote: Wed Dec 19, 2018 3:04 pm I still don't get why they're raising rates.
Powell's not saying there's inflation.
To tamp down on bubbles before they explode. They are probably too late though.
by corpgator
Wed Dec 19, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23379
Views: 3057038

Re: U.S. stocks in free fall

It's interesting to see the sharp drop on the Dow with the 1/4 rate increase. Bet was 66% for the increase. I'm surprised the probability got down that low. The predication of 2 more increases for 2019 is lower than previous predication. They were hoping for no more hikes next year and instead we g...
by corpgator
Tue Nov 27, 2018 10:06 pm
Forum: Investing - Theory, News & General
Topic: A bubble of corporate debt.
Replies: 31
Views: 3365

Re: A bubble of corporate debt.

What really is unbelievable is that much of this debt was used to finance buybacks (a practice that was outlawed in the 1930s for obvious reasons until being legalized in the 1980s) which has given the US equity markets the boost not seen in the rest of the world markets. So corporations are exchan...
by corpgator
Sun Sep 30, 2018 10:58 pm
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 17137

Re: Sears, a 125 year old company is now a penny stock.

Don't worry, Eddie the Vampire will continue sucking it dry while whining about how hard it is until it's not even a penny stock. There really should be no 5 year limitation on suing these hedge funds that purposely load companies up with debt to pay themselves with every intention of bankrupting th...
by corpgator
Mon Sep 10, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 127912

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Unfortunately, it's not... Abysmal growth in some areas like Europe, inability to capture growth using the stock market in high-growth areas (China, India), etc. Same old. Index Current P/E Forward P/E Historical P/E (10 Year) S&P 500 Index 20.71 17.69 17.63 MSCI EAFE Net Index 15.47 14.20 20.3...
by corpgator
Fri Jul 27, 2018 12:48 pm
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 12543

Re: Facebook stock in freefall! (20% drop in 1-day)

Yeah facebooks valuation seems more or less reasonable. I just can't wrap my head around Amazons valuation. amazon's scale is immense. it singlehandedly altered an entire generation of consumer expectations, wants, and needs. tiny tiny changes in inputs will have huge impact on earnings and cash fl...
by corpgator
Sun Dec 18, 2016 10:16 am
Forum: Investing - Theory, News & General
Topic: 100% Stocks, Huh? May I Suggest You Read This Thread
Replies: 55
Views: 9665

Re: 100% Stocks, Huh? May I Suggest You Read This Thread

badbreath wrote:You need to add one more 100% US total stock market. That one crushes the other three.
Was going to comment the same. International is the drag here. If you change to US stocks only for all 3, 100% stocks is still ahead, but not so clear cut anymore.
by corpgator
Wed Dec 14, 2016 7:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23379
Views: 3057038

Re: U.S. stocks in freefall

vti (domestic) is down less than 1%, which is a pretty expected drop given the Fed's very aggressive stance today and how silly the rally has been. But vxus (international) is down almost 2%! What gives there? Why is international so pathetic that they're affected more by US policies than the US is...
by corpgator
Wed Oct 19, 2016 11:02 pm
Forum: Investing - Theory, News & General
Topic: The riskiness of home ownership
Replies: 239
Views: 24600

Re: The riskiness of home ownership

Everyone;s situation is unique of course, but for me, there was no reason not to buy in 2012 when I got my first job after moving back to the US. Rent was in the $800-$900 range and my $100 mortgage is only costing me $650 PITI. Since I'm a vet, my only downside risk was a hit to my credit score for...
by corpgator
Wed Oct 12, 2016 8:11 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal Credit Union - not so different from banks
Replies: 45
Views: 9240

Re: Navy Federal Credit Union - not so different from banks

I've been a member for about 15 years now and never realized they were the largest CU in the US. You wouldn't know it from how far dated their website is.
by corpgator
Thu Jun 23, 2016 10:53 pm
Forum: Investing - Theory, News & General
Topic: Actionable advice in a Brexit scenario
Replies: 162
Views: 24087

Re: Actionable advice in a Brexit scenario

I bought some tickets for a 2 weeks vacation to Europe in March next year with points. Should I buy some Euros now?
by corpgator
Fri Feb 05, 2016 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Please share examples where earning an extra $1 can cost more in taxes than income.
Replies: 49
Views: 7350

Re: Please share examples where earning an extra $1 can cost more in taxes than income.

The savers credit. If you go from $61000 joint AGI to $61001, you lose $400. There are other jumps like that as well with the credit.
by corpgator
Sat Oct 31, 2015 5:22 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Calculated Dividend Incorrectly]
Replies: 65
Views: 10343

Re: [Vanguard Calculated Dividend Incorrectly]

I noticed this as well, but I track the number of shares that I have and they went up the correct amount on auto-reinvest, but the transaction history page shows the wrong amount.
by corpgator
Wed Jul 22, 2015 12:14 pm
Forum: Investing - Theory, News & General
Topic: Why I Said "No" to Peer-to-Peer Lending
Replies: 66
Views: 9701

Re: Why I Said "No" to Peer-to-Peer Lending

For my master's degree stat. Data mining course, we used lendingclub as our data for our class project and came to the conclusion that it is a bad investment. The categories that lendingclub assigns are pretty well correlated with defaults, higher categories with lower returns had fewer defaults. Al...