Search found 6483 matches

by whodidntante
Sun Nov 10, 2019 4:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1878
Views: 195218

Re: U.S. stocks continue to soar!

J G Bankerton wrote:
Sun Nov 10, 2019 3:43 pm
Balanced portfolios are the prudent thing to do. All in VTI all the time is not prudent but more risk more reward. :greedy
oldzey wrote:
Sun Nov 10, 2019 2:17 pm
VTSAX
VTI has a lower rake.
Your poker reference has granted your character +1 charisma. :happy
by whodidntante
Sun Nov 10, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: "Beer Money" Methods
Replies: 50
Views: 5879

Re: "Beer Money" Methods

I've seen a lot of good ones posted. Here's my contribution. I'm getting more and more selective but if someone wants to hand me a 10 dollar bill in exchange for trivial effort or $500 to demonstrate reading comprehension, I'm going to take it. - bank account funding with a rewards card - use reward...
by whodidntante
Sun Nov 10, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: "Beer Money" Methods
Replies: 50
Views: 5879

Re: "Beer Money" Methods

jb1 wrote:
Thu Nov 07, 2019 7:10 am
The things some of you do for money is ridiculous lol.
Tell me about it. Sometimes I join 7 am meetings or commute in bad weather.
by whodidntante
Sun Nov 10, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Fruit Fly Problem
Replies: 20
Views: 1747

Re: Fruit Fly Problem

I somehow brought some into the house once. Horrible creatures but they didn't take root. Try to eliminate food sources. It could be time to clean the drains, clean the disposal, clean garbage cans, and to clean the pantry. If they appear to be young adults, ask them to pay rent.
by whodidntante
Sun Nov 10, 2019 9:07 am
Forum: Personal Investments
Topic: Move 401k to brokerage account?
Replies: 13
Views: 748

Re: Move 401k to brokerage account?

You can sell funds in a 401k without incurring a tax liability. If building a market cap portfolio, there will be several options for funds to use and ETFs should now be commission-free due to the great interactive brokening of 2019. The brokerage window may have a cost but you should have to pay a ...
by whodidntante
Sun Nov 10, 2019 4:55 am
Forum: Personal Finance (Not Investing)
Topic: Retire or work again?
Replies: 23
Views: 2813

Re: Retire or work again?

I do not have to practice and I can definitely live without it. I just do not want to feel like I am being lazy and retiring early. My family is fine with whatever I want and it is hard to get unbiased opinion from friends or colleagues. Thanks :) You can do stuff after you stop working. What will ...
by whodidntante
Sun Nov 10, 2019 4:16 am
Forum: Investing - Theory, News & General
Topic: Why no one created a etf of dividend free stocks
Replies: 32
Views: 2797

Re: Why no one created a etf of dividend free stocks

Hi, How did you find market weight sorted non dividend paying companies list. thank you The link. If creating your own.. That would be easy. Just look up the market cap of each of the 83-84 companies. Add them all together. Divide each single company’s market cap into the total market cap for all 8...
by whodidntante
Sat Nov 09, 2019 10:28 pm
Forum: Investing - Theory, News & General
Topic: If you were forced to pick an alternative asset...
Replies: 80
Views: 4457

Re: If you were forced to pick an alternative asset...

Hey. Leave some beanie babies for the rest of us.
by whodidntante
Sat Nov 09, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: Fully loaded 2016 Lexus RX350 for $34K - good deal?
Replies: 11
Views: 1223

Re: Fully loaded 2016 Lexus RX350 for $34K - good deal?

crossbow wrote:
Sat Nov 09, 2019 4:42 pm
The salesperson says it's a killer deal.
And Edward Jones strip mall advisors say that American Funds are the best. Not exactly impartial advice, eh?
by whodidntante
Sat Nov 09, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: shocking hospital fee estimate
Replies: 45
Views: 3944

Re: shocking hospital fee estimate

Triple check that EVERYTHING is going to be in your network. The other risk is that your anesthesiologist calls in sick the morning of the surgery and another anesthesiologist stands in. EXCEPT this doctor is not in your network, now you get to pay the $3k that you thought would be $2k PLUS an out ...
by whodidntante
Sat Nov 09, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do I Understand Safe Harbor rules correctly?
Replies: 27
Views: 2435

Re: Do I Understand Safe Harbor rules correctly?

As long as we pay 110% of the total tax that we owed last year, is this sufficient to avoid any issue with underpayment penalties? Unfortunately, NO. For high earners you must have 110% of the total tax bill you owed last year withheld from you pay checks. So estimated tax payments do not count. Th...
by whodidntante
Sat Nov 09, 2019 1:58 am
Forum: Personal Consumer Issues
Topic: Should I Travel ot Ecuador?
Replies: 33
Views: 2060

Re: Should I Travel ot Ecuador?

If you don't go, can I have your ticket? If yes, it's very dangerous and you should not go. :happy
by whodidntante
Sat Nov 09, 2019 1:41 am
Forum: Personal Consumer Issues
Topic: Best secure email to use instead of gmail?
Replies: 70
Views: 9553

Re: Best secure email to use instead of gmail?

t3xn wrote:
Mon Nov 04, 2019 12:31 am
You can buy your own domain for around $10 a year and host with a provider like namecheap.com. I've been hosting my own for 20 years back when hotmail/aol/yahoo were the only email hosts. My most recent renewal was $106 for 3 years.
$106 divided by three is not $10. :happy
by whodidntante
Sat Nov 09, 2019 1:33 am
Forum: Personal Finance (Not Investing)
Topic: shocking hospital fee estimate
Replies: 45
Views: 3944

Re: shocking hospital fee estimate

This is our healthcare system. Its also why many of the well-off Bogleheads, "coincidentally" are physicians. I've always thought tech was a better honeypot than medicine. You can get started younger, and with less debt and less overhead. Plus no one dies or sues you. Plus the hours are better and ...
by whodidntante
Sat Nov 09, 2019 1:04 am
Forum: Personal Consumer Issues
Topic: CPO BMW 5 Series
Replies: 17
Views: 1326

Re: CPO BMW 5 Series

Except for my current car that I bought new, I have always bought something older than CPO. Sometimes much older. That's because I consider CPO cars overpriced and I don't trust a dealer to scrutinize a car since they are incentivized to rubber-stamp the inspection. But if you think it's a good valu...
by whodidntante
Sat Nov 09, 2019 12:27 am
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4640

Re: How bad business travel is?

I dread traveling for business. At this point, the two trips I take a year are more than enough. Late nights, quick turnarounds, breaking my routine, etc. Not for me! I rarely, if ever have downtime during travel - early breakfast, late dinners, all-day meetings, and those make it harder to like th...
by whodidntante
Fri Nov 08, 2019 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 140
Views: 6914

Re: Do you charge your employer for the time that you spend working on your off days?

I think perhaps it's time to request comp time since I am not paid any extra for responding to these calls and texts. Would it be out of line to approach my boss with this idea? It depends on the culture. You can maybe get away with long lunches, getting your car worked on, doctor's appointments, d...
by whodidntante
Fri Nov 08, 2019 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Mother gave out social security number to fraudulent caller
Replies: 12
Views: 1586

Re: Mother gave out social security number to fraudulent caller

sd323232 wrote:
Fri Nov 08, 2019 8:23 pm
You can buy identity theft insurance. With all the breaches happening, probably all our ss numbers are out there.
It's comforting to know that if I ever forget my social security number, I can just look it up online. :happy
by whodidntante
Fri Nov 08, 2019 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mother gave out social security number to fraudulent caller
Replies: 12
Views: 1586

Re: Mother gave out social security number to fraudulent caller

Other than checking her credit reports and freezing her credit what else should I be doing? If you're doing that, you should be getting power of attorney. Otherwise, you have no authority to do those things. Seriously? Verbal agreement does not count? If you help her do it that's fine. She might co...
by whodidntante
Fri Nov 08, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6617

Re: Was I ripped off at the car dealership?

Sounds like you got got.
by whodidntante
Fri Nov 08, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mother gave out social security number to fraudulent caller
Replies: 12
Views: 1586

Re: Mother gave out social security number to fraudulent caller

Theseus wrote:
Fri Nov 08, 2019 8:12 pm
Other than checking her credit reports and freezing her credit what else should I be doing?
If you're doing that, you should be getting power of attorney. Otherwise, you have no authority to do those things.
by whodidntante
Fri Nov 08, 2019 8:18 pm
Forum: Personal Investments
Topic: Talk Me Off the Active Investing Ledge!
Replies: 34
Views: 2033

Re: Talk Me Off the Active Investing Ledge!

It's really easy to beat the market. Just take more risk, and get lucky.
by whodidntante
Fri Nov 08, 2019 8:17 pm
Forum: Personal Investments
Topic: Talk Me Off the Active Investing Ledge!
Replies: 34
Views: 2033

Re: Ticker Symbol?

mbenoit116: What is the ticker symbol of this wonderful fund and it's cost? I cannot find a "BCG fund" on Morningstar? Thank you. Taylor Jack Bogle's Words of Wisdom: "There remains no evidence--none--that superior past performance is predictive of future success." It's not a mutual fund. The OP wr...
by whodidntante
Fri Nov 08, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Transfer
Replies: 9
Views: 785

Re: Credit Card Transfer

Mastied wrote:
Fri Nov 08, 2019 7:55 pm
She probably makes around 35k a year, lives in Houston . . .
I think she's got an income problem. I guess you can live in Houston and have a car for less, but it's not going to be a whole lot of fun. If I woke up in that situation, I would plan to make a strategy to earn more money.
by whodidntante
Fri Nov 08, 2019 7:54 pm
Forum: Personal Investments
Topic: Boglehead investing through a major downturn
Replies: 58
Views: 6646

Re: Boglehead investing through a major downturn

theplayer11 wrote:
Sun May 05, 2019 3:01 pm
I have lived long enough to realize that when there is blood in the streets...buy as much as you can
Where did the money to buy as much as you can come from? I just stay fully invested.
by whodidntante
Fri Nov 08, 2019 7:23 pm
Forum: Investing - Theory, News & General
Topic: Saving for a new vehicle
Replies: 29
Views: 2486

Re: Saving for a new vehicle

I don't have a separate car fund account. I just throw all my extra money into a Vanguard Total Stock Market Index. When it comes time to buy a near car (hopefully in 5 years) I'll see what's in the account and buy what I can afford. I don't want to have $30k of case sitting around earning 1% just ...
by whodidntante
Fri Nov 08, 2019 5:58 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 325
Views: 34337

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

The Merrill thing is really bizarre.... as they let me buy UPRO but not this. Merrill block active traded ETFs. It defines NTSX as active, same as Avantis ETFs and many others. That is not accurate. Merrill has a board that decides which securities to block, and what exactly they base it on is not ...
by whodidntante
Fri Nov 08, 2019 4:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1878
Views: 195218

Re: U.S. stocks continue to soar!

Stinky wrote:
Fri Nov 08, 2019 4:04 pm
Melt-up at the close today.
Was it at least American cheese?
by whodidntante
Fri Nov 08, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4640

Re: How bad business travel is?

I dread traveling for business. At this point, the two trips I take a year are more than enough. Late nights, quick turnarounds, breaking my routine, etc. Not for me! I rarely, if ever have downtime during travel - early breakfast, late dinners, all-day meetings, and those make it harder to like th...
by whodidntante
Fri Nov 08, 2019 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Free Turbotax 2019
Replies: 19
Views: 2891

Re: Fidelity Free Turbotax 2019

I'm thinking about how desperate somebody with $5M+ assets with Fidelity would be to save 20 or 50 dollars on tax software, that Fidelity would use that as an advertising perk. Financially, it's down in the noise, yes, but don't discount the value of the ego boost of getting for free something that...
by whodidntante
Thu Nov 07, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Transfer
Replies: 9
Views: 785

Re: Credit Card Transfer

Is it a problem managing credit or a problem with insufficient income? The solution should depend on the answer to that question. I'm going to guess insufficient income since 8k represents a problem.
by whodidntante
Thu Nov 07, 2019 10:58 pm
Forum: Investing - Theory, News & General
Topic: The hidden cost of Fidelity’s ZERO funds
Replies: 66
Views: 5561

Re: The hidden cost of Fidelity’s ZERO funds

alex_686 wrote:
Thu Nov 07, 2019 9:19 pm
whodidntante wrote:
Thu Nov 07, 2019 9:15 pm
This is a long thread considering the premise is wrong.
Are you not entertained? Are you not informed? :happy
I am entertained. :happy
by whodidntante
Thu Nov 07, 2019 9:15 pm
Forum: Investing - Theory, News & General
Topic: The hidden cost of Fidelity’s ZERO funds
Replies: 66
Views: 5561

Re: The hidden cost of Fidelity’s ZERO funds

This is a long thread considering the premise is wrong.
by whodidntante
Tue Nov 05, 2019 11:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1878
Views: 195218

Re: U.S. stocks continue to soar!

willthrill81 wrote:
Tue Nov 05, 2019 4:55 pm
stocknoob4111 wrote:
Tue Nov 05, 2019 4:54 pm
willthrill81 wrote:
Tue Nov 05, 2019 4:49 pm
So what exactly is a melt up?
https://www.cnbc.com/2019/11/03/a-marke ... warns.html
No naked links are allowed.
Yes, remember to put some clothes on your link. This is a family site.
by whodidntante
Tue Nov 05, 2019 11:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1878
Views: 195218

Re: U.S. stocks continue to soar!

Broken Man 1999 wrote:
Mon Nov 04, 2019 5:21 pm
I'm pretty happy about my Total Bond, Short-term and Intermediate-term Treasury Index MFs. They have been rock-star investments for us.

Broken Man 1999
More like a Barry Manilow concert. And by that, I mean a modern, significantly patinaed Manilow.
by whodidntante
Tue Nov 05, 2019 10:40 pm
Forum: Investing - Theory, News & General
Topic: 2020 I Bonds: what's your plan?
Replies: 19
Views: 1607

Re: 2020 I Bonds: what's your plan?

I wouldn't buy them at 0.5%. I will buy even less at 0.2%. :happy
by whodidntante
Tue Nov 05, 2019 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve - Fees Waived?
Replies: 54
Views: 4891

Re: Chase Sapphire Reserve - Fees Waived?

Chase waived the annual fee on the mileage plus card for several years, but the reserve card fee is not likely to be waived IMO. The best you will get is a partial statement credit, and probably not even that. Here's how to call and ask. "Yeah, I've been a chase customer for a x years and last year ...
by whodidntante
Tue Nov 05, 2019 12:24 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 321
Views: 37153

Re: Small Cap Value heads Rejoice !!!

I think some people have questioned whether the value premium exists at all in the most liquid large cap realm. I think it’s fair to say value is stronger as market cap declines. Dave It could be that value companies have greater opportunities for surprise turnarounds and greater than expected grow...
by whodidntante
Mon Nov 04, 2019 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Best card to complement 2% cash back?
Replies: 27
Views: 3608

Re: Best card to complement 2% cash back?

True but might as well take advantage of the 4% and $300 cash bonus and then downgrade after the first year. Are you sure they'll allow that? A while back, I made a similar calculation in getting a high-end card with an annual fee from another issuer (Citi). At the end of the first year, I asked to...
by whodidntante
Mon Nov 04, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 544
Views: 72192

Re: Flaunt Your High-Mileage Car

Most of the "high mileage" cars in this thread are <200k and some even <100k miles. That's not high mileage. That's merely average. Agreed. I don't think a car with less than 200k is even worth mentioning in a brag thread. I have owned two cars that went further than that and still had more life le...
by whodidntante
Mon Nov 04, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should Chinese wife keep her China Citizenship?
Replies: 15
Views: 1721

Re: Should Chinese wife keep her China Citizenship?

I do not see an advantage to American citizenship in his wife's situation. However, I do see potential drawbacks.
by whodidntante
Sun Nov 03, 2019 6:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1878
Views: 195218

Re: U.S. stocks continue to soar!

J G Bankerton wrote:
Sun Nov 03, 2019 6:53 pm

I'm again making too much money; that makes me nervous. :shock:

Has the exuberance become irrational? I haven't been paying attention.
by whodidntante
Sun Nov 03, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best card to complement 2% cash back?
Replies: 27
Views: 3608

Re: Best card to complement 2% cash back?

If you can transfer 100k in securities to Merrill Edge, and you have no interest in continuously opening credit cards for a bonus, the BoA cards are tough to beat. You can get 5.25% on category spending like restaurants and online shopping, 3.5% on grocery spending and warehouse clubs, and 2.625% on...
by whodidntante
Sun Nov 03, 2019 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Best way for someone in Asia to receive funds?
Replies: 12
Views: 806

Re: Best way for someone in Asia to receive funds?

My Chase Sapphire checking account terms and conditions say: "No Chase fee on incoming or outgoing wire
transfers." I don't know if that includes international wires but it sounds like it does.
by whodidntante
Sun Nov 03, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Water damage incident is giving me heartburn - please help
Replies: 14
Views: 1995

Re: Water damage incident is giving me heartburn - please help

I don't know if I'm right, but I would have pushed back on my insurance company who wants me to negotiate with an insurance company that I do not have a policy with. I bought a policy from Bill McNeal's Great Value Insurance and for a covered event that's who I expect to make me whole. Now, if they ...
by whodidntante
Sun Nov 03, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Website that shows salary/benefit/401k information for companies?
Replies: 22
Views: 1961

Re: Website that shows salary/benefit/401k information for companies?

401k statements are better than nothing but what really counts is knowing who the 401k administrator is, the match, the fund options and the performance of those specific funds. I've never known a company to provide that level of detail. I don't think the performance of the specific funds is releva...
by whodidntante
Sun Nov 03, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Getting a mortgage after retirement
Replies: 24
Views: 1590

Re: Getting a mortgage after retirement

Mortgage? Pfft. Those are for peasants. :happy Your objective is to build a leveraged portfolio. The goal is to find the most sensible, lowest cost way to do so. If you have a big pile of securities in a taxable brokerage account, you can get a margin loan from IB. This requires no income, no closin...
by whodidntante
Sun Nov 03, 2019 10:56 am
Forum: Personal Investments
Topic: VSS Vanguard All-Wld ex-US Small Cap ETF is 15% US. What gives?
Replies: 10
Views: 758

Re: VSS Vanguard All-Wld ex-US Small Cap ETF is 15% US. What gives?

I was wondering why this fund VSS with "ex US" in the description is holding 15% US. https://investor.vanguard.com/etf/profile/portfolio/vss It seems like an interesting small cap blend fund with low costs. Are there better/cheaper alternatives? Perhaps an all world small cap blend? Canada and Mexi...
by whodidntante
Sun Nov 03, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: FYI, Spanish bank ATMs [Dynamic Currency Conversion]
Replies: 64
Views: 4418

Re: Sneaky ATMs in Europe

Yep. I've posted about the evils of dynamic currency conversion before, including at ATMs. Never accept it. It's not being offered to benefit you.
by whodidntante
Sun Nov 03, 2019 9:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard without Jack Bogle - Allan Roth
Replies: 28
Views: 4370

Re: Vanguard without Jack Bogle - Allan Roth

Based on some of the complaints that sailors make on here, and based on some of their competitive disadvantages, I would say Vanguard has room for improvement.