FTWO? It's even got precious metals!LaramieWind wrote: ↑Mon Mar 25, 2024 4:19 pm I am looking for an all in one fund that has companies that sell weapons, coal, natural gas & petroleum. Nuclear Energy would also be a acceptable.
Search found 1740 matches
- Mon Mar 25, 2024 4:31 pm
- Forum: Investing - Theory, News & General
- Topic: Socially Conscious Investing 2.0?
- Replies: 9
- Views: 815
Re: Socially Conscious Investing 2.0?
- Fri Mar 22, 2024 9:15 am
- Forum: Investing - Theory, News & General
- Topic: Buy and Hold Forever
- Replies: 22
- Views: 3668
Re: Buy and Hold Forever
Dodge and Cox Balanced from 1931 as well. I think Jack Bogle even said nice things about Dodge and Cox.gavinsiu wrote: ↑Thu Mar 21, 2024 7:36 pmYes, I think Wellington is also from around 1929. A lot of financial firms themselves are also quite old, so it's possible to hold them until one day they die (such as Lehman Brothers). I would guess that holding Wellington or MMITX would be a lot less stomach churning than holding a single or a handful of stocks.
- Sun Feb 25, 2024 12:36 pm
- Forum: Personal Consumer Issues
- Topic: What email address is "okay/acceptable" to use then?
- Replies: 168
- Views: 18356
Re: What email address is "okay/acceptable" to use then?
If I were starting over today, I'd go with Proton Mail. I'm even fine with the 500 MB to 1 GB storage limit for a free account. However, after nearly 20 years with Gmail, the thought of changing my primary email address is daunting. In the modern age it's such an important unique identifier, it's almost like changing one's name. I'm curious, is it often a struggle to transmit your email address over the phone, like to a customer service representative, because of the .me TLD? Migrating from gmail is not that bad. You can set up auto-forwarding (or Proton can do it for you.) I've slowly switched my accounts over, and get very few emails to my gmail account nowadays. I haven't had many problems with the .me TLD, but you can also create a pro...
- Sat Feb 24, 2024 4:17 pm
- Forum: Personal Consumer Issues
- Topic: What email address is "okay/acceptable" to use then?
- Replies: 168
- Views: 18356
Re: What email address is "okay/acceptable" to use then?
I use protonmail.
If someone asked if I had something to hide, my answer would be "yes, the contents of my emails."
If someone asked if I had something to hide, my answer would be "yes, the contents of my emails."
- Sat Feb 24, 2024 1:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: Do your intra-company yearly raises keep with inflation?
- Replies: 60
- Views: 6333
Re: Do your inter-company yearly raises keep with inflation?
My employer didn't offer raises last year, and raises before that didn't keep up with inflation, so no.
- Sun Feb 18, 2024 12:58 am
- Forum: Personal Investments
- Topic: Advice for 53 year old single female
- Replies: 52
- Views: 7846
Re: Advice for 53 year old single female
Some are more limited than others. At least some Fidelity 401(k) plans offer BrokerageLink. I'm not sure if OP has that option, but it gives you access to almost everything.
- Sat Feb 17, 2024 10:44 am
- Forum: Personal Consumer Issues
- Topic: Job title for PhD Economist Daughter
- Replies: 36
- Views: 4021
Re: Job title for PhD Economist Daughter
Director, Economics Research
Director doesn't mean "directing people", and this clarifies that she's directing a program instead.
Director doesn't mean "directing people", and this clarifies that she's directing a program instead.
- Sat Feb 17, 2024 12:04 am
- Forum: Personal Consumer Issues
- Topic: Any recommendation of a book that chronicles the downward spiral of an ordinary person
- Replies: 102
- Views: 9418
Re: Any recommendation of a book that chronicles the downward spiral of an ordinary person
In keeping with the Thomas Hardy recommendations, "Jude the Obscure" though I didn't like the book.
"Flowers for Algernon" is a classic and one of the most memorable things I've read.
"Flowers for Algernon" is a classic and one of the most memorable things I've read.
- Fri Feb 16, 2024 10:18 am
- Forum: Personal Finance (Not Investing)
- Topic: Edward Jones Refusing Disbursement of Inherited Funds
- Replies: 7
- Views: 1301
Re: Edward Jones Refusing Disbursement of Inherited Funds
Ask your attorney to send EJ a "lawyer letter."
- Wed Feb 14, 2024 1:54 pm
- Forum: Investing - Theory, News & General
- Topic: Ben Carlson : Is the stock market too concentrated?
- Replies: 50
- Views: 5382
Re: Ben Carlson : Is the stock market too concentrated?
It's always been concentrated, but how often has it been so concentrated in so few industries?
ITOT:
MICROSOFT CORP Information Technology 6.27%
APPLE INC Information Technology 5.61%
NVIDIA CORP Information Technology 3.70%
AMAZON COM INC Consumer Discretionary 3.18%
META PLATFORMS INC Communication 2.12%
ALPHABET INC CLASS A Communication 1.78%
ALPHABET INC CLASS C Communication 1.52%
Compared to EWU (iShares UK):
SHELL PLC Energy 8.87%
ASTRAZENECA PLC Health Care 8.02%
HSBC HOLDINGS PLC Financials 6.41%
UNILEVER PLC Consumer Staples 5.38%
BP PLC Energy 4.41%
GLAXOSMITHKLINE Health Care 3.62%
DIAGEO PLC Consumer Staples 3.46%
ITOT:
MICROSOFT CORP Information Technology 6.27%
APPLE INC Information Technology 5.61%
NVIDIA CORP Information Technology 3.70%
AMAZON COM INC Consumer Discretionary 3.18%
META PLATFORMS INC Communication 2.12%
ALPHABET INC CLASS A Communication 1.78%
ALPHABET INC CLASS C Communication 1.52%
Compared to EWU (iShares UK):
SHELL PLC Energy 8.87%
ASTRAZENECA PLC Health Care 8.02%
HSBC HOLDINGS PLC Financials 6.41%
UNILEVER PLC Consumer Staples 5.38%
BP PLC Energy 4.41%
GLAXOSMITHKLINE Health Care 3.62%
DIAGEO PLC Consumer Staples 3.46%
- Sun Feb 11, 2024 2:49 pm
- Forum: Investing - Theory, News & General
- Topic: Now that long TIPS yields are 60 bp off their highs I will…
- Replies: 2949
- Views: 622868
Re: Now that long TIPS yields are 60 bp off their highs I will…
Looks to me the I think there are two opposing forces here (correct me if I am wrong): 1. Interest rates have likely reached or are near their highs, inflation is probably pretty much under control, and the Fed. plans to start cutting rates this year- this suggests a tendency towards declining TIPS yields going forward. 2. The USA still has a massive amount of debt that it needs to sell off, and that should not resolve any time soon. This could account for persistent high yields in years to come. So, the bottom line is, it is difficult to predict the future of TIPS yields. I'm not understanding number 2. If there is large amount of debt that needs to paid off, wouldn't that indicate a desire by the government or Fed to lower interest rates...
- Sat Feb 10, 2024 9:55 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity Fully Paid Lending program - anyone?
- Replies: 19
- Views: 2679
Re: Fidelity Fully Paid Lending program - anyone?
I'm enrolled. DFSV (DFA small cap value) and their international SCV fund have been lent out a few times. I won't turn down extra money in my Roth. Not enlisted in taxable.
- Sat Feb 10, 2024 4:22 pm
- Forum: Investing - Theory, News & General
- Topic: AVUV - PE ratio single digits [Avantis US Small-Cap Value ETF]
- Replies: 104
- Views: 8038
Re: AVUV - PE ratio single digits
Jerome Powell also said inflation was transitory.Yesterdaysnews wrote: ↑Sat Feb 10, 2024 3:47 pm Given the top heavy nature of VTI and current high multiple, why not put some into AVUV? Single digit multiple! Only issue is risk to small banks but JPow seemed to call it a manageable situation.
- Mon Jan 22, 2024 1:57 am
- Forum: Personal Consumer Issues
- Topic: Best tours for China?
- Replies: 122
- Views: 11068
Re: Best tours for China?
I used a cheap burner phone and used a special account created just for the trip.
I went for work, and am happy that our travel budget was cut since it spares me coming up with an excuse not to go.
- Thu Jan 18, 2024 2:02 pm
- Forum: Investing - Theory, News & General
- Topic: Now that long TIPS yields are 60 bp off their highs I will…
- Replies: 2949
- Views: 622868
Re: Now that long TIPS yields are 60 bp off their highs I will…
It's not 2.5%, but it's good enough. I also plan to buy at the April auction for my 2029 ladder.
- Tue Jan 09, 2024 12:39 am
- Forum: Investing - Theory, News & General
- Topic: should I leave VWO out of my brokerage
- Replies: 17
- Views: 2539
Re: should I leave VWO out of my brokerage
I purchased VWO during March 2020 for TLH reasons, and that was a mistake. I've been considering using tax losses to sell it.
- Fri Dec 15, 2023 3:51 pm
- Forum: Investing - Theory, News & General
- Topic: AVUV surges past 2021 high
- Replies: 42
- Views: 7989
Re: AVUV surges past 2021 high
DFSV is also at an all-time high... very happy to be holding it.
The international version DISV has recovered quite nicely as well.
The international version DISV has recovered quite nicely as well.
- Fri Dec 15, 2023 11:36 am
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 3617
- Views: 568658
Re: Post your Financial Milestone Announcements Here
Passed $3M in investments.
- Mon Dec 11, 2023 4:29 pm
- Forum: Investing - Theory, News & General
- Topic: Marcus Does Not Allow Trusts - What Are Some HYSA That Allow Revocable Trusts?
- Replies: 4
- Views: 540
- Wed Nov 29, 2023 4:46 pm
- Forum: Investing - Theory, News & General
- Topic: [Vanguard Class Action Lawsuit Over Target Date Funds to Move Forward]
- Replies: 183
- Views: 20766
Re: [Vanguard Class Action Lawsuit Over Target Date Funds to Move Forward]
I think the problem that Vanguard has been suffering is the same as for most financial businesses. They forget what their real business is, serving customers, and instead just want to get big. Success is measured in billions. Direction comes from the top and if management sets incentives that reward getting bigger, that's exactly what you will get at the expense of everything else. There are economies to scale but once you get down into the single digits for expense ratios, there's not much more point to getting bigger other than bragging rights. And if getting bigger comes at the expense of putting customers first, then customers are going to suffer. I think Vanguard may have forgotten this. At least one other person would probably agree ...
- Thu Nov 23, 2023 1:20 pm
- Forum: Personal Consumer Issues
- Topic: ChatGPT just wrote me a POA that is better than the attorney's
- Replies: 150
- Views: 21330
Re: ChatGPT just wrote me a POA that is better than the attorney's
That is what ChatGPT is tuned for. It is made to look good. Few people ask ChatGPT questions they already know the answer to and check it's work.
- Thu Oct 12, 2023 9:17 am
- Forum: Investing - Theory, News & General
- Topic: Bengen: "There is no guidance for SWR for those retiring today"
- Replies: 231
- Views: 21244
Re: Bengen: "There is no guidance for SWR for those retiring today"
The thresholds for NIIT and the Additional Medicare tax haven't been adjusted since they were introduced ten years ago: https://taxfoundation.org/blog/obamacar ... ion-taxes/Northern Flicker wrote: ↑Wed Oct 11, 2023 11:42 pm From: https://taxfoundation.org/data/all/fede ... -brackets/
Additionally, on a yearly basis the IRS adjusts more than 40 tax provisions for inflation. This is done to prevent what is called “bracket creep,” when people are pushed into higher income tax brackets or have reduced value from credits or deductions due to inflation, instead of any increase in real income.
- Tue Oct 10, 2023 6:32 pm
- Forum: Investing - Theory, News & General
- Topic: Bengen: "There is no guidance for SWR for those retiring today"
- Replies: 231
- Views: 21244
Re: Bengen: "There is no guidance for SWR for those retiring today"
Unless we are talking about a Roth account, it doesn't matter. You have to pull it out of your tax-deferred bucket to use it for spending, and this is a taxable event at ordinary income rates. Hmm you lost me. Example: One year inflation is 10%. My TIPS face value increases by 10%. I increase my IRA withdrawals by 10%. Tax brackets increase by 10%. Where's the taxflation? Yes, you'll obviously be taxed some additional dollars, even if your marginal rate doesn't change thanks to the inflated brackets. What I haven't seen anyone else acknowledge is that the increased tax will be paid in inflated dollars. So I agree, I don't see any real impact from this taxflation either. You can plug this into Excel but to make an example: Say a stock only ...
- Tue Oct 10, 2023 4:41 pm
- Forum: Investing - Theory, News & General
- Topic: Bengen: "There is no guidance for SWR for those retiring today"
- Replies: 231
- Views: 21244
Re: Bengen: "There is no guidance for SWR for those retiring today"
I think the point about taxes is you can't really count on having spending 30 years of principal (providing 3.3% a year), because the inflation adjustments to keep the principal at the same level are taxable at your marginal federal tax rate (as high as 37%). Also, the higher the inflation adjustment the more likely you are to pushed into a higher tax bracket. This is the "taxflation" I believe. Most of us buy our TIPS in IRAs/401ks. Tax brackets adjust with inflation. Unless we are talking about a Roth account, it doesn't matter. You have to pull it out of your tax-deferred bucket to use it for spending, and this is a taxable event at ordinary income rates. Hmm you lost me. Example: One year inflation is 10%. My TIPS face value ...
- Mon Oct 09, 2023 9:55 am
- Forum: Investing - Theory, News & General
- Topic: I Bonds Mega Thread (I Bond Heads Rejoice!)
- Replies: 6658
- Views: 1240095
Re: I Bonds Mega Thread (I Bond Heads Rejoice!)
TIPSWatch is estimating 1.4%-1.7% fixed for what it's worth: https://tipswatch.com/2023/10/08/the-i- ... -how-much/
- Fri Oct 06, 2023 7:57 am
- Forum: Investing - Theory, News & General
- Topic: How lower can TLT drop from here? [iShares 20+ Year Treasury Bond ETF]
- Replies: 87
- Views: 11147
- Thu Oct 05, 2023 8:35 am
- Forum: US Chapters
- Topic: Sad News - LadyGeek's Mom has passed
- Replies: 158
- Views: 38166
Re: Sad News - LadyGeek's Mom has passed
I'm sorry for your loss, LadyGeek.
- Wed Oct 04, 2023 11:40 am
- Forum: Investing - Theory, News & General
- Topic: Now that long TIPS yields are 60 bp off their highs I will…
- Replies: 2949
- Views: 622868
Re: Now that long TIPS have pushed past 2.50% I will…
My point was that that you can lose huge money if you don't (hit by a bus) hold to maturity. See Nedsaid's recent experience above. If I get hit by a bus, I won't care much about TIPS price fluctuations anymore, and my heirs (who will unexpectedly have millions of dollars dropped in their laps) will be OK. Not a risk I personally care about. I agree. On the other hand, splitting up mutual fund or ETFs into fractions is easier than.splitting bonds up. On buying off the secondary market, it was easy at Fidelity. There was one issue that I had to resubmit a few times. The others went through and a few times I received a price below my limit. New issues are trivial. Does anyone know whether bond purchases have to be with settled money? If I se...
- Tue Oct 03, 2023 9:47 am
- Forum: Personal Investments
- Topic: Portfolio glance - and seeking input for retirement planning
- Replies: 2
- Views: 452
Re: Portfolio glance - and seeking input for retirement planning
80k is my target. I live on less now, around 45-50k.David Jay wrote: ↑Tue Oct 03, 2023 9:19 am What do you project for annual expenses? 3% is a comfortable SWR which puts one at about $80,000 before SS.
RE: 2. One actually needs some income for ACA, if income is less than 140% of poverty line then one is placed on Medicaid.
Alternately, just pay the full insurance bill for a few of those years while making substantial Roth conversions, say from age 58 to 62 (2 years before the start of Medicare).
- Tue Oct 03, 2023 7:08 am
- Forum: Personal Investments
- Topic: Portfolio glance - and seeking input for retirement planning
- Replies: 2
- Views: 452
Portfolio glance - and seeking input for retirement planning
I'm a tech worker just north of 50. I have a good position now, but also know that it gets a lot harder to stay in the industry as you age. I have some portfolio ideas that I'd like to present. Questions : 1. I've been reading about TIPS ladders, and running the numbers. I can afford to buy a TIPS ladder in my pre-tax account that would start in five years, and would give me ~$40K a year until FRA. My expected FRA SS will be in the upper $40s. Upping the ladder to $50K and even starting it sooner is still possible, though I'd be locking the bond portion of my 401k (except the inheritance) into a TIPS ladder, and would need to make my portfolio more conservative, perhaps as much as 65-35. I see pros and cons. Pros is that I've at least parti...
- Mon Oct 02, 2023 12:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity as a one stop shop
- Replies: 6053
- Views: 1036566
Re: Fidelity as a one stop shop
Sure you can, that's what this thread is about. Does Fidelity have an easy view to see what future income (dividends and interest) is expected to be based on holdings? Not something that I care about, but there does appear to be a "Dividend View" that shows stock/ETF dividends, and a "Estimated Cash Flow" page on the monthly statement that shows interest and dividends. Thanks. I will look for it. For me, it's helpful to manage clash flows and meet expenses in retirement. Schwab's is quite nice. I don't think the Dividend View is going to give you exactly what you want. It only shows the next dividend payment date, amount per share, and estimated annual income. ETrade had a better monthly view that had a bar chart of wha...
- Sun Oct 01, 2023 5:45 pm
- Forum: Investing - Theory, News & General
- Topic: Sell IBonds with untaxed gains to buy TIPs in taxable account?
- Replies: 9
- Views: 1822
Re: Sell IBonds with untaxed gains to buy TIPs in taxable account?
The Finance Buff has a calculator to help make this decision: https://thefinancebuff.com/when-to-sell-i-bonds.html
- Sun Oct 01, 2023 9:28 am
- Forum: Investing - Theory, News & General
- Topic: Year 2000 vs current cycle
- Replies: 21
- Views: 3245
- Sun Oct 01, 2023 9:24 am
- Forum: Investing - Theory, News & General
- Topic: Year 2000 vs current cycle
- Replies: 21
- Views: 3245
Re: Year 2000 vs current cycle
FRED is an excellent data source.stocknoob4111 wrote: ↑Sat Sep 30, 2023 11:36 am Not sure what numbers you are using for debt... this chart here https://fred.stlouisfed.org/series/GFDGDPA188S shows that we're at 120% of GDP right now, we were at 55% of GDP in 2000.
The Congressional Budget Office is also projecting that debt interest as a share of government spending will continue to increase:
The Peterson Foundation's write-up of their projections is here: https://www.pgpf.org/blog/2023/09/why-i ... rld-war-ii.
- Sun Oct 01, 2023 1:25 am
- Forum: Personal Investments
- Topic: Investment club LLC in Fidelity
- Replies: 5
- Views: 1011
Re: Investment club LLC in Fidelity
Be certain to have better accountants than the Beardstown Ladies:
https://www.wsj.com/articles/SB114596682916135186
https://www.wsj.com/articles/SB114596682916135186
Their first book's jacket claimed the group had averaged 23.4% returns annually from 1984 to 1993, nearly double the Dow Jones Industrial Average's returns during the same period. But in 1998, Chicago magazine noticed that the group's returns included the fees the women paid every month. Without them, the returns dwindled to just 9%, underperforming the Dow. An article in the Wall Street Journal led the ladies to hire an outside auditor, which proved they had indeed misstated their returns.
- Fri Sep 29, 2023 1:27 pm
- Forum: Investing - Theory, News & General
- Topic: Larry Swedroe: Stocks Have Been a Poor Inflation Hedge
- Replies: 69
- Views: 11026
- Thu Sep 28, 2023 8:31 am
- Forum: Investing - Theory, News & General
- Topic: Don't growth stocks (low dividend/higher capital gains) have huge advantage tax wise/inheritance?
- Replies: 16
- Views: 1621
Re: Don't growth stocks (low dividend/higher capital gains) have huge advantage tax wise/inheritance?
Funny you should ask this. I ran a tax drag calculation based on the most recent numbers for several Vanguard ETFs. Emphasis on "recent": US stock dividends are low historically, and much lower than international. This is the best we can do. In high tax brackets, the tax cost of growth ETFs is significantly lower than even a broad based market fund. My calculations based on 35%/15% + NIIT: VTI 0.303% [Total Market] VOO 0.293% [S&P 500] VV 0.281% [Large Cap] VUG 0.117% [Large Cap Growth] VIOV 0.452% [Small Cap Value] MGK 0.096% [Mega Cap Growth] In a 24%/0% tax bracket, these rates are much lower: VTI 0.028% VOO 0.013% VV 0.011% VUG 0.008% VIOV 0.132% MGK 0.000% That doesn't mean these are the best funds to invest in. MGK is we...
- Wed Sep 27, 2023 11:25 am
- Forum: Investing - Theory, News & General
- Topic: What did work in the late 60's?
- Replies: 82
- Views: 13927
Re: What did work in the late 60's?
I agree. It's becoming apparent that bond funds are not the same as bonds.dcabler wrote: ↑Wed Sep 27, 2023 6:03 amAs a returns instrument held in a TIPS ETF or Mutual Fund, this is likely correct. However, had they existed at the time, if purchased as a TIPS ladder instead, then this likely would have done quite well as an inflation protected income stream.Whakamole wrote: ↑Tue Sep 26, 2023 8:53 pmCredit Suisse found a negative correlation between inflation-indexed bonds (UK gilts, started in 1981) and inflation.
https://www.credit-suisse.com/about-us- ... 02302.html, page 37.
Cheers.
- Tue Sep 26, 2023 8:53 pm
- Forum: Investing - Theory, News & General
- Topic: What did work in the late 60's?
- Replies: 82
- Views: 13927
Re: What did work in the late 60's?
Credit Suisse found a negative correlation between inflation-indexed bonds (UK gilts, started in 1981) and inflation.
https://www.credit-suisse.com/about-us- ... 02302.html, page 37.
- Tue Sep 26, 2023 8:39 pm
- Forum: Investing - Theory, News & General
- Topic: I Bonds Mega Thread (I Bond Heads Rejoice!)
- Replies: 6658
- Views: 1240095
Re: sell ibonds? Bought Nov 2021
Not the person who asked, but it hurts to sell when you're in a high tax bracket. It's still very tempting.statman wrote: ↑Tue Sep 26, 2023 4:18 pm The interest rate for an Ibond bought in Nov 2021 (fixed rate 0%) dropped from 6.48% to 3.38% on June 1. The current rate is below market rates for safe investments (e.g. Treasuries, TIPS and many CDs). Selling loses the last 3 months interest - that is, the interest for June/July/August. That's just $96 as all three months were ar the 3.38% rate. I would certainly sell and reinvest.
- Sun Sep 24, 2023 12:03 pm
- Forum: Investing - Theory, News & General
- Topic: Long real recovery periods for stocks
- Replies: 172
- Views: 17585
Re: Long real recovery periods for stocks
The massive bull run we've had this last decade has made people tilt their portfolios in possibly dangerous ways to chase performance. The S&P 500 is only half of the global equity market. My grandfather was all in on stocks and retired in 2008. He's still working to this day because of how badly that timing happened to be. That was barely 15 years ago. We have threads on this forums during that time too. Sorry to hear this. Every Boglehead should read this. Actually, probably importantly, every non-Boglehead should read this. Although if we get a 1966 period, bonds won't help much either, if at all. TIPS. Might be the best investment opportunity on the market today. What scares me about TIPS however is the non-zero chance that a futur...
- Sat Sep 23, 2023 1:16 pm
- Forum: Investing - Theory, News & General
- Topic: Now that long TIPS yields are 60 bp off their highs I will…
- Replies: 2949
- Views: 622868
Re: Now that long TIPS have surged past 2.25% I will…
One thing I'm curious about is how tips would perform in a rising rates environment like the 1970s. The federal funds rate rose from around 5% to near 20% but inflation did the same. So the change in real yields wouldn't be as dramatic as the change in nominal yields. Meaning tips would be less impacted in a rising rate environment compared to nominal bonds. Is there any historical data for real yields going back this far? But in a taxable account, taxation (with 20% inflation) would clobber after tax yield and act more like a wealth tax for larger investors. TIPs ETFs aren't taxed anymore than normal bonds since its all income. If we get a 70s situation where inflation is consistently higher than expected, sure TIPS etfs will be taxed mor...
- Sat Sep 23, 2023 9:11 am
- Forum: Personal Finance (Not Investing)
- Topic: [Revised] Delta Skymiles Program
- Replies: 32
- Views: 4654
Re: [Revised] Delta Skymiles Program
This reminds me of GE, which for a time was a financing company that happened to sell washing machines.dukeblue219 wrote: ↑Sat Sep 16, 2023 7:57 am It IS frustrating, but clearly the economics of becoming credit card affiliates who happen to fly planes is appealing to airlines.
- Thu Sep 21, 2023 12:25 pm
- Forum: Investing - Theory, News & General
- Topic: Now that long TIPS yields are 60 bp off their highs I will…
- Replies: 2949
- Views: 622868
Re: Now that long TIPS have cracked 2.00% again I will…
My bid for this auction was filled at $93.66.
This was my first bond purchase. I wish I bought more.
This was my first bond purchase. I wish I bought more.
- Sun Sep 17, 2023 5:12 pm
- Forum: US Chapters
- Topic: Seattle Area Chapter Meetings - Master Thread
- Replies: 260
- Views: 115193
Re: Seattle Area Chapter Meetings - Master Thread
Nice to meet everyone!
Links:
2008 stock market discussion thread: viewtopic.php?p=297409
https://bogle.tools
https://www.tillerhq.com
Links:
2008 stock market discussion thread: viewtopic.php?p=297409
https://bogle.tools
https://www.tillerhq.com
- Sun Sep 17, 2023 11:56 am
- Forum: US Chapters
- Topic: Seattle Area Chapter Meetings - Master Thread
- Replies: 260
- Views: 115193
Re: Seattle Area Chapter Meetings - Master Thread
I'm planning to attend as well.
- Wed Sep 13, 2023 9:25 am
- Forum: Investing - Theory, News & General
- Topic: Berkshire Hathaway and Dividends
- Replies: 92
- Views: 9042
Re: Berkshire Hathaway and Dividends
Buffet (and many other shareholders) would also start paying a large amount of tax if BRK paid dividends.
- Thu Jul 27, 2023 1:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
- Replies: 1772
- Views: 196873
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
I don't trust the laws not to change, and begin requiring active coverage to opt-out. That's the only reason why I have not canceled.
- Sat Jul 22, 2023 10:18 am
- Forum: Personal Consumer Issues
- Topic: Where do you backup financial files?
- Replies: 90
- Views: 6496
Re: Where do you backup financial files?
I've found most normal online storage providers like Google and Microsoft do not have a lot of support for what happens if the account owner dies. I've heard too many stories about loved ones being locked out of the account.
https://www.fidsafe.com/ is a Fidelity service that gives you enough storage for financial records and supports sharing documents to your trustee and heirs. It's not a lot of storage (5GB), but that is more than enough for recent financial statements, tax returns, etc.
For my own records, which includes EOBs for future HSA reimbursement, I use Proton Drive.
https://www.fidsafe.com/ is a Fidelity service that gives you enough storage for financial records and supports sharing documents to your trustee and heirs. It's not a lot of storage (5GB), but that is more than enough for recent financial statements, tax returns, etc.
For my own records, which includes EOBs for future HSA reimbursement, I use Proton Drive.
- Sat Jul 15, 2023 12:02 pm
- Forum: Investing - Theory, News & General
- Topic: AI - Defiance Quantum ETF (QTUM) or another? - if you believe in AI?
- Replies: 39
- Views: 3555
Re: AI - Defiance Quantum ETF (QTUM) or another? - if you believe in AI?
Language models are not AI. I'm curious why you think so. I do agree that the term AI is now so vague as to be effectively meaningless - in fact most of statistics could be called AI in that case. LMs are neat, but they're very good at fooling people into thinking it's "intelligent." See the old "therapy" program called ELIZA that convinced people back in the '60s. We also have old tech using Markov chains that can generate readable speech given sufficient inputs. They're algorithms but these algorithms are just processing blocks of letters without understanding. A famous example outlying why processing text does not imply intelligence is John Searle's Chinese Room thought experiment. What happened recently with OpenAI ...