Search found 454 matches

by Whakamole
Thu Nov 16, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Res - Anyone use Trip Canc Insurance
Replies: 10
Views: 856

Re: Chase Sapphire Res - Anyone use Trip Canc Insurance

I tried, it was due to a medical issue on the part of the person going with me. Chase denied it. I would not rely on their travel insurance and instead shop around - relying on the word of a customer service agent cost me $800. Did you have an actual valid claim? Did Chase give a reason and was it ...
by Whakamole
Thu Nov 16, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Res - Anyone use Trip Canc Insurance
Replies: 10
Views: 856

Re: Chase Sapphire Res - Anyone use Trip Canc Insurance

I tried, it was due to a medical issue on the part of the person going with me. Chase denied it. I would not rely on their travel insurance and instead shop around - relying on the word of a customer service agent cost me $800.
by Whakamole
Thu Nov 16, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1099681

Re: U.S. stocks in freefall

David Jay wrote:
Thu Nov 16, 2017 2:09 pm
livesoft wrote:
Thu Nov 16, 2017 1:57 pm
...so today may not even end up being a 52-week high.
What? No new high? Man the lifeboats!!!
Can we post that old "sell sell sell!" comic strip yet?
by Whakamole
Fri Nov 10, 2017 3:47 pm
Forum: Investing - Theory, News & General
Topic: Does the S&P 500 just *seem* expensive because of sector weights?
Replies: 9
Views: 1090

Re: Does the S&P 500 just *seem* expensive because of sector weights?

nedsaid wrote:
Fri Nov 10, 2017 3:10 pm
Another factor in higher US valuations is the safe haven factor, during the financial crisis, the US was the least dirty shirt in the laundry hamper.
There's no guarantee of this being the case next time, of course.
by Whakamole
Fri Nov 10, 2017 2:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1099681

Re: U.S. stocks in freefall

Should we start a "bond prices in freefall" thread?
by Whakamole
Thu Nov 09, 2017 6:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1099681

Re: U.S. stocks in freefall

tj wrote:
Thu Nov 09, 2017 6:08 pm
KSOC wrote:
Thu Nov 09, 2017 5:34 pm
I wish I had more $$ to buy today. Opportunities have been rare.
It ended down only like 0.4 % ?
VTI hasn't closed this low since November 2nd of this year.
by Whakamole
Wed Nov 01, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: Cheap low speed unlimited data
Replies: 16
Views: 1450

Re: Cheap low speed unlimited data

My daughter is our data killer. I may use a gig or so. Daughter uses the rest. We are usually under 10 gigs in a normal month. If we are traveling it will exceed 20. Doesn’t seem like pandora is bad. But my daughter uses YouTube music which kills the data. I think T-Mobile will exclude many music p...
by Whakamole
Thu Oct 19, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5642

Re: Is a crash coming soon?

Secondly, the longest period in US history without a big recession is 10 years. But in the 80s and 90s we saw a 18 year bull market. The unscientific part of your post rings true. There will always be bulls and bears talking about the market. Point of order, in 1987 on this day we had a slight dip ...
by Whakamole
Thu Oct 19, 2017 1:01 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5642

Re: Is a crash coming soon?

Secondly, the longest period in US history without a big recession is 10 years. But in the 80s and 90s we saw a 18 year bull market. The unscientific part of your post rings true. There will always be bulls and bears talking about the market. Point of order, in 1987 on this day we had a slight dip ...
by Whakamole
Tue Oct 17, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 458
Views: 38150

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Not to defend TDA, but I would imagine those currently thinly-traded ETFs will grow in size and volume once they are on the TDA platform. They are one of the larger brokers. Definitely not Vanguard or iShares volume but then what is?
by Whakamole
Mon Oct 16, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 458
Views: 38150

Re: Fellow TDA bogleheads

I have both Vanguard ETFs and non-Vanguard ETFs at TD. If I transfer out all of my Vanguard ETF positions in-kind while maintaining my positions in the other non-Vanguard funds, does TD consider this a partial transfer (free) or a full transfer ($75 fee)? That should be considered a partial transfe...
by Whakamole
Fri Oct 13, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1904

Re: Earplugs that work on low frequency noise?

Unfortunately my city noise ordinance is only in effect til 7 am on weekdays, 8 am on weekends.
Have you considered finding a lawn service that will mow your lawn at 7am on weekdays?
by Whakamole
Thu Oct 12, 2017 8:21 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads Audiobook??
Replies: 3
Views: 420

Re: Bogleheads Audiobook??

Alexa9 wrote:
Thu Oct 12, 2017 7:25 pm
This would be great to spread the gospel for people that aren’t big readers. I’d also like to see an abridged version for high school graduates.
I think "If You Can" fits that latter niche quite nicely.
by Whakamole
Thu Oct 12, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 121
Views: 12877

Re: MoviePass-Too good to be true, but it's legit.

Now MoviePass is saying they might not make it: https://www.bloomberg.com/news/articles ... ot-make-it

This is reminding me of the dotcom days.
by Whakamole
Wed Oct 11, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 74
Views: 7354

Re: Larry Swedroe: Non-US Valuations Look Attractive

He lists the P/E for DFA international small/value/etc. funds. By comparison, the Vanguard small/mid cap international fund VFSVX has: You can't compare P/E from different sources like that. Vanguard calculates it in a different way from DFA. Here is the Boglehead wiki on P/E: https://www.boglehead...
by Whakamole
Wed Oct 11, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 14980

Re: [Boglehead vs Mr Money Mustache philosophies]

- A MMMer is defined by saving money by living on a small footprint. MMM stated he flew to multiple conferences last year (excluded in his budget.) One of those conferences was in Ecuador, which is a long flight away for most people. None of that seems like "living on a small footprint" especially ...
by Whakamole
Wed Oct 11, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 14980

Re: [Boglehead vs Mr Money Mustache philosophies]

- A MMMer is defined by saving money by living on a small footprint. MMM stated he flew to multiple conferences last year (excluded in his budget.) One of those conferences was in Ecuador, which is a long flight away for most people. None of that seems like "living on a small footprint" especially ...
by Whakamole
Wed Oct 11, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 14980

Re: [Boglehead vs Mr Money Mustache philosophies]

The only way a society could even work if everyone retired at 35 and did what they liked would be if we had robots doing all the unpleasant/difficult work that people retired to get away from (then we might need to worry about the robot revolt... ps I for one welcome our new robot overlords), or if ...
by Whakamole
Wed Oct 11, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 74
Views: 7354

Re: Larry Swedroe: Non-US Valuations Look Attractive

He lists the P/E for DFA international small/value/etc. funds. By comparison, the Vanguard small/mid cap international fund VFSVX has: P/E: 15.14 P/B: 1.49 These values are higher than the DFA international small cap value funds, but it's also better than the DFA international small cap (non-value) ...
by Whakamole
Wed Oct 11, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 14980

Re: [Boglehead vs Mr Money Mustache philosophies]

MMM's 2016 budget included $6720 for insurance premiums, which he said the family business paid for, and $3,807 for son's broken arm. He said that at $30,193 that he claimed the family spent, represented less than 10% of their taxable income. He said he donated $100,000 to charities. In his spendin...
by Whakamole
Tue Oct 10, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 14980

Re: [Boglehead vs Mr Money Mustache philosophies]

Really not much difference from my perspective. MMM: 35 year old making $400k/year from his blog Boglehead: 35 year old making $400k/year as a doctor When MMM retired he did not have $400k/year in his wildest dreams. When a Boglhead doctor went to a medical school he expected to (eventually) make a...
by Whakamole
Mon Oct 09, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 14980

Re: [Boglehead vs Mr Money Mustache philosophies]

AND ONE MORE THING: HE DOES NOT HAVE ANY ADS ON HIS WEBSITE, just like here!!!!!! MMM makes significant revenue from his referral links, including products and services he endorses like Lending Club and Betterment; well into the six figures per year. https://www.bogleheads.org/forum/viewtopic.php?t...
by Whakamole
Mon Oct 09, 2017 5:06 pm
Forum: Investing - Theory, News & General
Topic: Oldest international mutual funds?
Replies: 16
Views: 1173

Re: Oldest international mutual funds?

I found a reference to a "Japan Fund" that was started in April of 1962, but cannot find any mention of it today. Perhaps it was acquired/renamed/etc. like many funds. http://money.cnn.com/1999/09/02/mutualfunds/funds_oldfunds/ Looks like it was merged with Matthews Japan (MJFOX, unknown if Michael ...
by Whakamole
Tue Oct 03, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)
Replies: 22
Views: 2545

Re: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)

Did they have electric pressure cookers 20 years ago? How can a stovetop pressure cooker have "automated controls"? I mean, it cannot control the burner. I agree and think many had never used one before. I used a stovetop model here and there. I think a lot of people have safety concerns with press...
by Whakamole
Mon Oct 02, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2123

Re: On the video games path - how to set it up with younger kids

No real concern here, we are all into reading. My older kid (the 9 year old) has more than 500 books on the shelves in her room and had read all of them, she usually reads 1-2 books a day, and they are all above her grade level. I wish she was not so much into fantasy (Percy Jackson, Harry Potter, ...
by Whakamole
Wed Sep 27, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1457

Re: Weekend trip in Portland, Oregon - ideas?

Pok Pok is an excellent choice. I believe the owner has a few other Thai restaurants very close by, in case it is too crowded. Get the gin and tonic.

Widmer is a larger brewery but they are Portland-born and their pub is very nice.
by Whakamole
Tue Sep 26, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3409

Re: Verizon TravelPass

If you can download maps (which you can with Google Maps, and some other applications like HERE), you will not just save a bit on data, but not be as reliant on the local cell towers.
by Whakamole
Tue Sep 26, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11595

Re: The Rolex and The Boglehead

Rolex is probably one of the few watch brands available that would not lead to buyers' remorse. I definitely don't see this particular watch brand (or any watch brand) as an investment, but it does retain its value overtime. So if you were looking to sell, it's not like you would be taking a bath o...
by Whakamole
Tue Sep 26, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Lowering Frontier FIOS bill?
Replies: 6
Views: 679

Re: Lowering Frontier FIOS bill?

We have Frontier FIOS (formerly Verizon) and due to what seemed like excessive pricing recently changed our plan from the "triple play" of phone, cable, and internet, to internet only. Which saves about $150 a month in Frontier's cost. We didn't use the FIOS landline (which is VOIP) except to colle...
by Whakamole
Tue Sep 26, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help with bad 401(k) fund choices
Replies: 18
Views: 1117

Re: Help with bad 401(k) fund choices

You have a SP 500 fund with an ER of .11 and an employer match of 6%. You, my friend, have much to be thankful for. Agreed, that's not that bad. I would recommend maxing it out if you can, and using the rest of your accounts appropriately. If you own International funds, that would be ideal in taxa...
by Whakamole
Tue Sep 26, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help with bad 401(k) fund choices
Replies: 18
Views: 1117

Re: Help with bad 401(k) fund choices

You have a SP 500 fund with an ER of .11 and an employer match of 6%. You, my friend, have much to be thankful for. Agreed, that's not that bad. I would recommend maxing it out if you can, and using the rest of your accounts appropriately. If you own International funds, that would be ideal in taxa...
by Whakamole
Tue Sep 26, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Lowering Frontier FIOS bill?
Replies: 6
Views: 679

Lowering Frontier FIOS bill?

I live in an area that's covered by Frontier (offering FIOS) and Comcast. My Frontier bill is getting a little high for my tastes. I called and the only thing they offered was to drop some calling features or increase my internet speed (which would cost me more money!) I dislike Comcast for a lot of...
by Whakamole
Tue Sep 26, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: "Fidelity and Vanguard Online Fraud Policies"
Replies: 11
Views: 2237

Re: "Fidelity and Vanguard Online Fraud Policies"

That includes spouses using each other's sign-ins. If you want your spouse to have the authority to make transactions of your account, fill out and send in the Full Agent Authorization form . If you want your spouse to view your holdings only, use the Limited Agent Authorization form . How can we e...
by Whakamole
Mon Sep 25, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in construction equipment rental business
Replies: 15
Views: 910

Re: Investing in construction equipment rental business

He does not want to take any loans to get this machine. He definitely could do that, but apparently does not want extra stress. Except if it has a ROI of 50%, the "stress" of a loan would be gone in two years, after that it would be free money. Plus he wouldn't have the stress of a partner (you) wh...
by Whakamole
Mon Sep 25, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in construction equipment rental business
Replies: 15
Views: 910

Re: Investing in construction equipment rental business

If I read you correctly, he's saying you'll make back your initial investment in two years. Why hasn't the contractor done this himself as it sounds much more profitable than contracting work?
by Whakamole
Mon Sep 25, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard charged me $140 in service fees
Replies: 31
Views: 5689

Re: Vanguard charged me $140 in service fees

Just curious why would you ask us (a random internet forum) instead of just calling Vanguard themselves and discussing the issue with them? Good luck. Likely, because many of the members here are Vanguard fans and have all kinds of experience with them. It’s called research. In that case, I didn't ...
by Whakamole
Thu Sep 21, 2017 9:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Please Offer a Gold ETF
Replies: 95
Views: 5420

Re: Vanguard: Please Offer a Gold ETF

patrick wrote:
Thu Sep 21, 2017 9:55 pm
Why not jump ahead of the competition by opening the first uranium ETF?
Ahem: http://etfdb.com/etf/URA/
by Whakamole
Thu Sep 21, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Please Offer a Gold ETF
Replies: 95
Views: 5420

Re: Vanguard: Please Offer a Gold ETF

Well, Gold has a zero real rate of return over very long periods of time so I don't regard it as an investment as such. It does have very low correlation with the stock market so it should reduce the long term volatility of a portfolio at the price of performance drag. So I would view it as portfol...
by Whakamole
Thu Sep 21, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Please Offer a Gold ETF
Replies: 95
Views: 5420

Re: Vanguard: Please Offer a Gold ETF

The issue with gold ETFs that hold the physical metal (like GLD) is that they have to hold the commodity. That means you need bank vaults, storage, auditing, assaying, etc. It's an expensive endeavor. There's also a issue depending on the popularity of gold as an investment - if gold takes off, you ...
by Whakamole
Thu Sep 21, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Please Offer a Gold ETF
Replies: 95
Views: 5420

Re: Vanguard: Please Offer a Gold ETF

I understand the sentiment: I want to invest in x . x would be cheaper if Vanguard offered a fund in x . Please, Vanguard, offer a fund in x . I just have many values of x that would come before x . A few off the top of my head: 1. EM ex-China 2. International Value Index 3. International Small Val...
by Whakamole
Thu Sep 21, 2017 1:20 am
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 3064

Re: Should I even bother with buying a school picture?

I believe they distribute your child's pictures in class. Your child will probably be heartbroken if all of his classmates get pictures but he gets none. If nothing else, for the sake of your child's ego, buy a small package. The joy it will bring to your child is worth the small cost. Is this new?...
by Whakamole
Mon Sep 18, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Audio books
Replies: 28
Views: 1797

Re: Audio books

Not to change the subject, but some may be interested to find out that the Library of Congress offers a free audio book program to those who are unable to read due to blindness or disability. After I found this out I signed up my 94 year old MIL, who is blind and in a care home. They sent her a dev...
by Whakamole
Fri Sep 15, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Equifax security manager had a music degree -- what?
Replies: 10
Views: 954

Re: Equifax security manager had a music degree -- what?

You would be surprised at the crossover between music people and computer people at universities.
by Whakamole
Fri Sep 15, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend this month."
Replies: 17
Views: 3531

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

Why do so many of the active funds pay annually when index funds pay quarterly? Not even all index funds pay quarterly. SWPPX (Schwab's S&P 500 fund) pays once per year. Also an FYI for those clicking on the links - it doesn't look like Vanguard has added the distribution amount yet, at least to a ...
by Whakamole
Tue Sep 12, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Brother in College Co-Signing w/ Buddy for Duplex
Replies: 41
Views: 3153

Re: Brother in College Co-Signing w/ Buddy for Duplex

He wants to partner with me because he wants to partner with a lot of recently married reps that sell under him and only pay 5% down for owner occupied payment. Otherwise he'd have to pay 20% down. I don't see why someone who claims to be making $300K/year needs a junior investor who will be cosign...
by Whakamole
Tue Sep 12, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Brother in College Co-Signing w/ Buddy for Duplex
Replies: 41
Views: 3153

Re: Brother in College Co-Signing w/ Buddy for Duplex

clarkrl wrote:
Tue Sep 12, 2017 3:40 pm
$600 a month and $1400 a month are worst case scenarios where if we couldn't get them rented out we'd drop it down to get it filled.
I do not think you quite understand the meaning of the term "worst case scenario."
by Whakamole
Tue Sep 12, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7900

Re: Best Lower Cost USA Cities to Live

I don't think Austin has been low cost in a while.
by Whakamole
Mon Sep 11, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 31
Views: 7105

Re: Vanguard Total International (VTSAX) - Taxable Account

Yeah, I know. But my personality seems to be more comfortable with 'ownership' style investments over 'lending' style investments. I was ~100% stocks through the 2008/9 crisis and it didn't bother me. I actually thought it was rather exciting! So the big risk of being without bonds (panick selling ...
by Whakamole
Mon Sep 11, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7591

Re: Equifax - credit freeze is now free?

I live in Washington State and was also able to get it frozen for free.
by Whakamole
Mon Sep 11, 2017 1:58 pm
Forum: Investing - Theory, News & General
Topic: What If U.S. Stocks Stay Expensive For Years?
Replies: 50
Views: 7747

Re: What If U.S. Stocks Stay Expensive For Years?

alex_686 wrote:
Mon Sep 11, 2017 11:18 am
lostdog wrote:
Mon Sep 11, 2017 11:15 am
Not worried. Total World Stock Index for life.
That too is running at high multiples. I can't think of an asset class that is not near its high intrinsic valuation. So save more or chase risky yield.
Cash may be the only undervalued asset. But you can't make any money with cash.