Search found 5198 matches

by whodidntante
Sat Apr 20, 2019 8:27 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1686
Views: 263928

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

unless i'm missing something, I don't have any taxable regular brokerage funds anywhere, everything is either in ira/401K or in my emergency fund, so while I could change the composition of my ira to include money market over at vanguard, it wouldn't really serve the same reason. I was just hoping ...
by whodidntante
Sat Apr 20, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Getting rid of spam
Replies: 17
Views: 893

Re: Getting rid of spam

Make 2 new email addresses. Never provide the first one to any website besides official business (i.e. Vanguard, Ally, Bills, etc). Use the second one anytime you are filling out any form that is not official business. It's likely you've used the old one for so many applications, etc that you'll ne...
by whodidntante
Sat Apr 20, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 67
Views: 3620

Re: Washing Machine that uses a LOT of Water

General comment. We use Bosch washers (this is in Europe) & they have to be front loaders (to meet the European environmental standard). Although there is a long term problem with mold (it seems impossible to beat this) we are otherwise very satisfied. I see a lot of people complaining about mold i...
by whodidntante
Fri Apr 19, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: mailed US tax check 4/13 - not cashed yet
Replies: 56
Views: 14142

Re: mailed US tax check 4/13 - not cashed yet

It was a particularly long mail delay.
by whodidntante
Fri Apr 19, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: microwave that doesnt beep forever?
Replies: 24
Views: 1410

Re: microwave that doesnt beep forever?

fru-gal wrote:
Fri Apr 19, 2019 2:59 pm
whodidntante wrote:
Thu Apr 18, 2019 8:49 pm
Do you have a knife?
Several. Also spoons and forks...
Glad to hear it. Perhaps some open heart surgery would silence the microwave and is cheaper than a new one. You'll want to work safely though. A magnetron tube uses 2-3 kV.
by whodidntante
Fri Apr 19, 2019 3:04 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 211
Views: 16834

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

aristotelian wrote:
Fri Apr 19, 2019 3:03 pm

So when you buy a fund like this, do you just make market orders and hope for the best?
That would probably be fine, but I would use a marketable limit order instead.
by whodidntante
Fri Apr 19, 2019 12:50 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1686
Views: 263928

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

WorldWanderer wrote:
Thu Apr 18, 2019 8:54 pm
I secured $7,000 in bonuses in 7 days. I'm very happy.
:sharebeer
by whodidntante
Fri Apr 19, 2019 10:38 am
Forum: Investing - Theory, News & General
Topic: Alpha using rebalancing rules
Replies: 5
Views: 220

Re: Alpha using rebalancing rules

I can't tell what they are doing or if it worked as they claim from the content of that article. Over rebalancing and overweighting assets based on valuations has been discussed a few times on the forum. We've even discussed trend following and dual momentum. Some people practice those ideas and som...
by whodidntante
Fri Apr 19, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3370

Re: Windows 7 end of support - Jan 14, 2020

I'm very happy with Windows 10. Maybe the fact I've done a clean install a couple of times since upgrading has helped. (The built-in "reset this PC" feature makes this easy. ) I tried the W10 reset feature. After it completed, I had no drivers for the wifi nor for the ethernet port. The only option...
by whodidntante
Fri Apr 19, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3370

Re: Windows 7 end of support - Jan 14, 2020

I upgraded both of my machines to Windows 10 back when it was free to do so. Some say it's still free to do so. I initially had serious issues with AMD GPU drivers on my laptop, but I used integrated graphics instead for a couple of months until they got their act together. Now all is well.
by whodidntante
Fri Apr 19, 2019 9:03 am
Forum: Personal Investments
Topic: What should I know before selling a mutual fund for the first time?
Replies: 6
Views: 602

Re: What should I know before selling a mutual fund for the first time?

Taxes are the main thing. Do you have a large amount of unrealized capital gains?
by whodidntante
Fri Apr 19, 2019 7:15 am
Forum: Personal Finance (Not Investing)
Topic: The reality of borrowing from your 401k for home mortgage
Replies: 48
Views: 2992

Re: The reality of borrowing from your 401k for home mortgage

If it were me, I would max the 401k and take a loan from it if needed for the down payment. The current year tax deferment is a huge benefit. You can set your investments in the account so you have at least 50k of fixed income to draw from.
by whodidntante
Fri Apr 19, 2019 6:24 am
Forum: Personal Consumer Issues
Topic: Is it worth renting a car in Vegas?
Replies: 21
Views: 1420

Re: Is it worth renting a car in Vegas?

Skip the car. Lyft xl or tell the porter you want a van. Fat burger between the grand and the Bellagio is my favorite cheap eats.
by whodidntante
Fri Apr 19, 2019 6:14 am
Forum: Personal Finance (Not Investing)
Topic: dropping umbrella and increasing auto liability
Replies: 56
Views: 3095

Re: dropping umbrella and increasing auto liability

My umbrella policy excludes a lot of events that could doom me. Maybe I should shop around.
by whodidntante
Thu Apr 18, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: microwave that doesnt beep forever?
Replies: 24
Views: 1410

Re: microwave that doesnt beep forever?

Do you have a knife?
by whodidntante
Thu Apr 18, 2019 6:28 pm
Forum: Investing - Theory, News & General
Topic: Hedging against hyperinflation scenario
Replies: 47
Views: 2907

Re: Hedging against hyperinflation scenario

Are you an American? Hyperinflation is a symptom of economic collapse. For this to happen in the USA, something horrible would have to happen, and it would probably cause great pain for our trading partners as well, though many of them would recover. But if hyperinflation occurs and there is somewhe...
by whodidntante
Thu Apr 18, 2019 2:07 pm
Forum: Personal Investments
Topic: Fidelity ZERO Funds Question
Replies: 9
Views: 830

Re: Fidelity ZERO Funds Question

Fidelity publishes a report with a complete list of securities held by each of those funds. So you can look at that with your human eyes or write a script to give you the XOR of the two lists. Then you could maybe draw a tenuous conclusion based on what you see, and start a financial blogging career...
by whodidntante
Thu Apr 18, 2019 10:36 am
Forum: Investing - Theory, News & General
Topic: Loans from 401k -- back door investing?
Replies: 57
Views: 4049

Re: Loans from 401k -- back door investing?

If the loan is withdrawn, I'm missing out on growth, so I don't see the benefit. No, unless your 401(k) is 100% stock. You take the loan from fixed income investments. I didn't get that far along the loan process to see that option. It does not matter where you custodian draws the source funds from...
by whodidntante
Thu Apr 18, 2019 10:22 am
Forum: Personal Investments
Topic: Locked into [American Funds] - best choices?
Replies: 14
Views: 825

Re: Locked into AF - best choices?

Neither Fidelity nor Schwab charge for mutual fund sales, so you could transfer your assets in kind to either broker to avoid the AUM fee you're paying and sell commission free as desired. Selling mutual funds in a taxable account realizes a capital gain or capital loss. This will impact your taxes ...
by whodidntante
Wed Apr 17, 2019 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Not Maxing 401K OK?
Replies: 39
Views: 3905

Re: Not Maxing 401K OK?

You don't have to max. This site is weird. It's unusual to max but quite a nice tax deferral for those in high tax brackets.
by whodidntante
Wed Apr 17, 2019 9:05 pm
Forum: Personal Investments
Topic: Is the disaster scenario for stocks a reason not to invest or pull out of the market?
Replies: 94
Views: 6826

Re: Is the disaster scenario for stocks a reason not to invest or pull out of the market?

A black swan is by definition something you won't see coming. Now the last black swan was particularly black and swanny, but there was massive and swift action by the government to contain and limit the damage. I'm not certain that massive is a sufficiently intense word. So we had a nice snappy reco...
by whodidntante
Wed Apr 17, 2019 8:02 pm
Forum: Investing - Theory, News & General
Topic: How does Alliant Credit Union make money on their Credit Card?
Replies: 23
Views: 2199

Re: How does Alliant Credit Union make money on their Credit Card?

I'd certainly be willing to do that if that was all it took. I had hoped to use it for estimated quarterlies (that's what I've been using my Fidelity card for mostly) but I could max out both cards and still not be able to cover the bill. That's my biggest expense every year, so it would be nice to...
by whodidntante
Wed Apr 17, 2019 7:14 pm
Forum: Personal Investments
Topic: Couple Noob Questions
Replies: 6
Views: 636

Re: Couple Noob Questions

I recommend you decide what you want your asset allocation to be and then implement it as efficiently as possible across all accounts considering taxes, expense ratios, and other expenses. All investable assets are part of your asset allocation. It doesn't matter how you got the money. Income, divid...
by whodidntante
Tue Apr 16, 2019 11:01 pm
Forum: Personal Investments
Topic: Lost my job. How to move money from 401k
Replies: 3
Views: 704

Re: Lost my job. How to move money from 401k

There is a lot going on with your post and I did not stay in a holiday inn express last night. If you want to do a mega backdoor Roth, you do not want a traditional IRA with nearly 300k in it. A 401k or solo 401k with nearly 300k in it would be fine. You might want to search to see if your question ...
by whodidntante
Tue Apr 16, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 67
Views: 3620

Re: Washing Machine that uses a LOT of Water

My guess is you are using the fill line in the detergent cup, but buying fancy concentrated detergent, resulting in 2 to 3 times too much detergent.
by whodidntante
Tue Apr 16, 2019 1:24 pm
Forum: Investing - Theory, News & General
Topic: Treasuries ETF for taxable account?
Replies: 6
Views: 849

Re: Treasuries ETF for taxable account?

Treasury income from an ETF or mutual fund is also tax-free at the state level. However, each year you'll need to look up how much of the dividend from the fund came from state-exempt, US Government obligations. For example, the 2018 Vanguard list is here: https://personal.vanguard.com/pdf/USGO_012...
by whodidntante
Mon Apr 15, 2019 10:44 pm
Forum: Personal Consumer Issues
Topic: How to fix jerky images on streaming TV?
Replies: 29
Views: 1568

Re: How to fix jerky images on streaming TV?

It could be an issue of the wimpy processor on the Roku stick not being able to decode the stream in real-time, and is forced to skip frames. Youtube used to use VP9, not sure what they currently do. At any rate, wrong forum.
by whodidntante
Mon Apr 15, 2019 10:35 pm
Forum: Personal Investments
Topic: Short Term Bond Index vs. Prime Money Market
Replies: 15
Views: 1811

Re: Short Term Bond Index vs. Prime Money Market

It's not purely risk that it will go down. It's also risk that it will go up. Or maybe the investor is lazy and doesn't look or understand or care. As for me, I would prefer the MMF, or maybe something like ICSH.
by whodidntante
Mon Apr 15, 2019 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 154
Views: 13087

Re: In Laws Retirement Nest Egg

I hope your millionaire in laws somehow manage to abide. Perhaps they could take up bowling.
by whodidntante
Mon Apr 15, 2019 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA website down
Replies: 16
Views: 1757

Re: FreeTaxUSA website down

Vulcan wrote:
Mon Apr 15, 2019 9:08 pm
Credit Karma is completely free - and completely awesome.
Used it last year and this, very pleased.
It does not import my scandalous number of 1099-Bs. That's an important feature to me. I usually get TurboTax free from Fidelity.
by whodidntante
Mon Apr 15, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 62
Views: 3199

Re: Newbie international traveler

In Germany, you'll need cash outside of really nice restaurants and hotels. Since I tend not to eat at very nice restaurants, I need lots of cash. I have used my Fidelity CMA card to get cash overseas dozens of times. They did shut off my card twice. So: 1) make sure you call to set a travel notifi...
by whodidntante
Mon Apr 15, 2019 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA website down
Replies: 16
Views: 1757

Re: FreeTaxUSA website down

If someone happens to be affected by this, do an extension payment if you expect to owe, or file an extension with no payment if not. Also, LOL, do your tax return or at least file an extension sooner.
by whodidntante
Mon Apr 15, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: $29 collections notice
Replies: 31
Views: 2749

Re: $29 collections notice

arcticpineapplecorp. wrote:
Mon Apr 15, 2019 1:28 pm
how's that?
They have OP's name, DOB, employer, insurance information, address, phone number, second phone number, the name of an associate, and OP agreed to pay whatever insurance does not. They've met.
by whodidntante
Mon Apr 15, 2019 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 76
Views: 9544

Re: Do not use Personal Capital

If you prefer, you can use Morningstar X-ray. It's pretty easy. You create a comma separated value file in "ticker, value in USD" format and load it in. There are a few ways to get free access. I get it through my TDA account and through a long since drained but still functional TRP account.
by whodidntante
Mon Apr 15, 2019 8:08 pm
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 62
Views: 3199

Re: Newbie international traveler

In Germany, you'll need cash outside of really nice restaurants and hotels. Since I tend not to eat at very nice restaurants, I need lots of cash. I have used my Fidelity CMA card to get cash overseas dozens of times. They did shut off my card twice. So: 1) make sure you call to set a travel notific...
by whodidntante
Mon Apr 15, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 5867

Re: What defines "income" on a retiree's credit card application?

I did have an issuer set a card limit to my current balance a decade ago, I was getting divorced at the time and balances on multiple cards spiked at the same time, one of the companies saw the trend and decided not to take the risk. Today I have multiple cards with very high limits and have charge...
by whodidntante
Mon Apr 15, 2019 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 5867

Re: What defines "income" on a retiree's credit card application?

I think it's vague on purpose. So come up with a reasonable definition that you could justify. If they wanted something specific, e.g. prior year's AGI, they would have said that. For a retiree, social security, pensions, interest, dividends, and likely distributions from your treasure room all coun...
by whodidntante
Mon Apr 15, 2019 7:09 am
Forum: Investing - Theory, News & General
Topic: 700 Years of Falling Interest Rates, 1310-2018
Replies: 56
Views: 5952

Re: 700 Years of Falling Interest Rates, 1310-2018

I saw this chart a couple of years ago. It made me think there might be a "short term" high of around 7-8%. Get long bonds when that happens! :sharebeer Sure. But... :happy High bond YTM is created by cheap bonds. Which means the assets are not viewed as desirable by many investors, or maybe they j...
by whodidntante
Sun Apr 14, 2019 11:30 am
Forum: Personal Investments
Topic: Investing gift from grandma
Replies: 46
Views: 2864

Re: Investing gift from grandma

Apparently I would buy disney and short netflix based on the positions I took in this year's hedge fund contest. I explained why in my letter to suckers shareholders. But I don't trade single stocks with real money.
by whodidntante
Sun Apr 14, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: OnStar Plans: Are they worth the cost?
Replies: 13
Views: 1349

Re: OnStar Plans: Are they worth the cost?

I owned a Cadillac that included Onstar for a while. I didn't miss it after I cancelled. The value to me was zero. I guess if I careen off a cliff in an isolated area I could have had someone to talk to in my final moments of consciousness. As long as I'm careful not to damage the mobile radio on th...
by whodidntante
Sun Apr 14, 2019 8:19 am
Forum: Personal Investments
Topic: Vanguard JUNK BOND FUND?
Replies: 4
Views: 482

Re: Vanguard JUNK BOND FUND?

It's not crazy to own high yield bonds. But I think I would want more compensation for risk than is currently available. https://i.postimg.cc/NMkZ4TfP/risk.png https://fred.stlouisfed.org/series/BAMLH0A0HYM2/ High yield bonds may not be part of Boglehead canon. Although Jack Bogle was a fan of corpo...
by whodidntante
Sun Apr 14, 2019 7:47 am
Forum: Personal Investments
Topic: Zero Fees: Fidelity Lower than Vanguard
Replies: 10
Views: 868

Re: Zero Fees: Fidelity Lower than Vanguard

My HSA is 100% invested in the Fidelity ZERO International fund, and the small Roth account I have there is too. I would not transfer assets to buy a zero fund and I think other companies have good low cost funds. I did sell a Vanguard International Index fund in my 401k that cost more to compensate...
by whodidntante
Sun Apr 14, 2019 6:59 am
Forum: Investing - Theory, News & General
Topic: SCV fund placement and duplication
Replies: 10
Views: 691

Re: SCV fund placement and duplication

Appreciate the insight! Interesting that you mention DFISX being a bit subpar. From my reading, it seems like the DFA international funds are quite good, but this wouldn't have been my choice for their domestic small cap if I had a voice in the 403 construction. I was actually considering VFSAX ins...
by whodidntante
Sun Apr 14, 2019 6:39 am
Forum: Investing - Theory, News & General
Topic: SCV fund placement and duplication
Replies: 10
Views: 691

Re: SCV fund placement and duplication

DFEVX is a great EM value fund. I don't know of a better one. I used to have a large position in this fund and miss having access to it. DFFVX is more of a mid cap value fund, but provides excellent value loading and does not have significant negative momentum. I have a large position in this fund. ...
by whodidntante
Sun Apr 14, 2019 6:21 am
Forum: Investing - Theory, News & General
Topic: keeping both stocks and bonds in tax deferred for rebalancing
Replies: 8
Views: 871

Re: keeping both stocks and bonds in tax deferred for rebalancing

If you are going to hold your stocks in taxable for many years without liquidating, or else deferring gains via tax loss harvesting, to an early retirement or other low income period when you have lower rates, having stocks in taxable may lead to a modest benefit. Otherwise in most circumstances it...
by whodidntante
Sun Apr 14, 2019 5:51 am
Forum: Personal Finance (Not Investing)
Topic: 11th Hour - Roth IRA Over Contributed for 2018
Replies: 7
Views: 696

Re: 11th Hour - Roth IRA Over Contributed for 2018

Filing an extension is really easy. There is no reason to avoid that if you need more time. Can the 2018 overcontribution be applied to 2019? Did the overcontribution occur due to income based phase out? If so, you should do a backdoor Roth going forward, if you can roll the pretax amounts into a 40...
by whodidntante
Sat Apr 13, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401(k) - Is this normal?
Replies: 35
Views: 1682

Re: Roth 401(k) - Is this normal?

After tax is different than Roth. I recommend you confirm you are actually making Roth contributions. My 401k custodian shows subaccounts for a number of contribution types. You cannot freely move money among the subaccounts and how distributions are handled is subject to plan rules. I would very mu...