Search found 2185 matches

by whodidntante
Sun Nov 19, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: service life of (walk behind) lawn mower?
Replies: 27
Views: 1397

Re: service life of (walk behind) lawn mower?

I've never owned a walk behind because of durability concerns, and honestly I do not find that I need the assist of a walk behind. My first mower lasted for 15 years before a cracked deck spelled the end. It saw a rough life because I used it for commercial mowing for four years, mowing overgrown el...
by whodidntante
Sun Nov 19, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: service life of (walk behind) lawn mower?
Replies: 27
Views: 1397

Re: service life of (walk behind) lawn mower?

I surmise from this thread and others like it that the secret to lawn mower longetivity is to never change the oil. I bought a Honda HRX (great mower) this spring and have already changed the oil once or twice. This doesn’t bode well for me. I would follow the manufacturer's recommendation, no more...
by whodidntante
Sun Nov 19, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 2342

Re: Are expensive tires worth it?

I prefer Goodyear tires but my younger formerly broke self did just fine with a set of kumhos.
by whodidntante
Sun Nov 19, 2017 7:36 pm
Forum: Investing - Theory, News & General
Topic: AI/Machine Learning/Deep Learning in Investing
Replies: 8
Views: 890

Re: AI/Machine Learning/Deep Learning in Investing

Deep learning tools have improved dramatically. Some of these are free and are available to you. So you can begin working with those. However, models (at least the good, profitable or business critical ones) are kept as closely guarded secrets. I just attended a machine learning conference and no on...
by whodidntante
Sun Nov 19, 2017 1:49 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 68
Views: 4152

Re: My dad's army jacket

I wouldn't find it disrespectful because you are not intending or doing any harm. I don't think I can predict the reactions of others any better than you can.
by whodidntante
Sat Nov 18, 2017 3:21 pm
Forum: Investing - Theory, News & General
Topic: Morningstar - AQR: The Vanguard of Alternative Investing?
Replies: 46
Views: 2894

Re: Morningstar - AQR: The Vanguard of Alternative Investing?

I hold two AQR funds and I'm surprised at how well they are performing in this "melt-up" environment. As you pointed out, that's not really the environment where you expect to be glad you own them. It's a subtle sign, i think, that the aqr funds actually do have more stock market beta exposure than...
by whodidntante
Sat Nov 18, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: Any of you trade just a little as a hobby?
Replies: 13
Views: 676

Re: Any of you trade just a little as a hobby?

I do tactical allocation but in the form of tilts, not sell everything to buy the other things. For example I started over weighting EM value after the Chinese market was cut in half in 2015/2016. I'm still maintaining my overweight but I have needed to trim it as it outperformed the rest of my port...
by whodidntante
Sat Nov 18, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Intrinsic Value
Replies: 6
Views: 610

Re: Intrinsic Value

Can a stock picker subscribe to the EMH?
by whodidntante
Sat Nov 18, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 117
Views: 7395

Re: Is holding bonds now dangerous?

Of course it's risky. You could realistically lose 10% holding TBM, or 50% holding TSM. Both events are unlikely to occur in a given year, but it's realistic. Avoid holding EM bonds, junk bonds, individual bonds (other than treasury/TIPS, etc.), long bonds, and bond funds that use derivatives, lever...
by whodidntante
Sat Nov 18, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: Morningstar - AQR: The Vanguard of Alternative Investing?
Replies: 46
Views: 2894

Re: Morningstar - AQR: The Vanguard of Alternative Investing?

jhfenton wrote:
Sat Nov 18, 2017 11:35 am
Theoretical wrote:
Sat Nov 18, 2017 10:01 am
At Fidelity, many of them are available for a $2500 minimum in an IRA.
Thanks. That is good to know.
AQR funds are also available in an HSA commission-free, though they are n-shares (0.25% 12b-1).
viewtopic.php?t=232381
by whodidntante
Sat Nov 18, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: Morningstar - AQR: The Vanguard of Alternative Investing?
Replies: 46
Views: 2894

Re: Morningstar - AQR: The Vanguard of Alternative Investing?

I hold two AQR funds and I'm surprised at how well they are performing in this "melt-up" environment. As you pointed out, that's not really the environment where you expect to be glad you own them.
by whodidntante
Sat Nov 18, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Volunteer to be laid off?
Replies: 34
Views: 2526

Re: Volunteer to be laid off?

To me, your proposal seems to be a win-win. Though management may feel that you are key to the transition and may not go for it.
by whodidntante
Fri Nov 17, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Is it a bad idea to invest several times a month?
Replies: 13
Views: 1200

Re: Is it a bad idea to invest several times a month?

It's not harmful. Brokers keep good track these days. For ETFs with a low share price I tend to wait until I have enough to buy a round lot, which might be 3 grand or less.
by whodidntante
Thu Nov 16, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: HR messed up my HSA election
Replies: 7
Views: 555

Re: HR messed up my HSA election

Thanks. I teach in Ohio where we do not pay in for SS. If I understand you correctly, then I could contribute most everything post tax in 2018 and put the pre-tax money toward my 403b? The other twist is that I may be relocating next summer so I am considering trying to max everything I can by the ...
by whodidntante
Thu Nov 16, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: HR messed up my HSA election
Replies: 7
Views: 555

Re: HR messed up my HSA election

You can make an HSA contribution by an electronic transfer (or a check if want to be anachronistic) for the the remaining amount. There is no requirement that your HSA contribution come from payroll deduction. The disadvantage is that social security tax will have been withheld because you made the ...
by whodidntante
Wed Nov 15, 2017 11:37 pm
Forum: Investing - Theory, News & General
Topic: Car loans vs. Home loans - Are markets efficient?
Replies: 12
Views: 1029

Re: Car loans vs. Home loans - Are markets efficient?

There are other forces at play. An automaker or dealer may subsidize financing in order to juice sales. A bank or credit union may offer a below market rate in order to win or retain customers. Companies that do auto loans may offer many more financial products, and may adopt a loss-leader strategy.
by whodidntante
Wed Nov 15, 2017 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint Escalation [at Vanguard - how to?]
Replies: 6
Views: 1075

Re: Complaint Escalation [at Vanguard - how to?]

Have you tried telling your Flagship rep that your issue isn't solved and you would like to escalate the issue higher ASAP/today? Failing that, a transfer in kind to another broker might be a reasonable step and is probably what I would do, if the issue is really important.
by whodidntante
Wed Nov 15, 2017 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Does emplyer matching in an IRA count toward 5,500 cap
Replies: 4
Views: 638

Re: Does emplyer matching in an IRA count toward 5,500 cap

I don't think it does. But I've never had one, so you should mainly consider this a bump.
by whodidntante
Wed Nov 15, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: Do you subscribe to taking risk only on the equity side
Replies: 40
Views: 2284

Re: Do you subscribe to taking risk only on the equity side

My bonds are pretty unexciting. I've steered clear of the EM bonds, and long bonds that the tactical allocators say to buy right now. And I've never properly understood the fancier bond funds; probably because they don't tell me what they are actually doing to juice the returns. I do have non-beta s...
by whodidntante
Wed Nov 15, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 24
Views: 2772

Re: Chain of command

It's not necessarily anything sinister. Some people don't respect chain of command. There are countries where this is part of the culture, and it's finding it's way to American culture too. I'm assuming you are American. I would talk to the CFO and explain that this bothered you, and why. Have a con...
by whodidntante
Wed Nov 15, 2017 8:30 pm
Forum: Investing - Theory, News & General
Topic: Saturna=the only no-fee HSA investing option
Replies: 4
Views: 606

Re: Saturna=the only no-fee HSA investing option

I agree it is a good option for smaller accounts, which most HSA accounts are outside of bogleheads.org. I'm interested for a different reason. They list AQR Style Premia. That fund is closed though still available through limited channels. Can you actually buy it at Saturna, or does it puke when yo...
by whodidntante
Wed Nov 15, 2017 8:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: BH recent Membership [BogleHead]
Replies: 17
Views: 1475

Re: BH recent Membership

I like to talk about investing. I realize that most people don't, so I'll test the waters with new acquaintances. I still meet a lot of people who take a gambling approach to the market and will even use gambling terminology when talking about how the invest. I have no qualms about gambling, but I h...
by whodidntante
Wed Nov 15, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: Do DFA advisors get kickbacks?
Replies: 11
Views: 1604

Re: Do DFA advisors get kickbacks?

DFA, like VG, does not engage in revenue sharing (at least not with advisors... I suppose they could in a 401k environment, but don't know that answer.) My corporate 401k has a DFA fund and I know that DFA doesn't do revenue sharing with my plan. I've never heard of any revenue sharing from DFA. It...
by whodidntante
Wed Nov 15, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: Beta and the Market
Replies: 9
Views: 529

Re: Beta and the Market

Beta is in reference to an appropriate benchmark. If you're looking at a large cap US stock funds, an appropriate benchmark might be S&P 500 Total Return.
by whodidntante
Wed Nov 15, 2017 1:11 am
Forum: Personal Consumer Issues
Topic: Keep old cards active by paying yourself?
Replies: 20
Views: 2271

Re: Keep old cards active by paying yourself?

You could auto-pay one bill on it. Paying yourself is normally considered a cash advance.
by whodidntante
Wed Nov 15, 2017 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Loans Refi experience?
Replies: 4
Views: 352

Re: Quicken Loans Refi experience?

I am considering doing a mortgage refinance to consolidate my mortgage and my HELOC. The fixed rate would very similar to what I have now. Does anyone have experience, good or bad, working with Quicken Loans? Thank you in advance. I wouldn't refi for that. Having a HELOC at a different lender is no...
by whodidntante
Wed Nov 15, 2017 12:28 am
Forum: Personal Consumer Issues
Topic: Wall Street Journal - What Gives?
Replies: 7
Views: 1630

Re: Wall Street Journal - What Gives?

There are better deals for new subscribers. The trick is to become a new subscriber. Perhaps your daughter needs a subscription. They may also give you a better offer when you call to cancel. When asked why, explain that cost is the main issue. If they don't give you a good deal, actually cancel.
by whodidntante
Tue Nov 14, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 66
Views: 3329

Re: Michelin or Bridgestone?

Michelin's business model is to provide low-cost tires to OEMs, and then to make money on selling premium priced replacement tires in the secondary market. They do this because they know the most common decision is status quo, when there are safety and performance issues at play. They even had that ...
by whodidntante
Tue Nov 14, 2017 11:08 pm
Forum: Investing - Theory, News & General
Topic: Quest for better fund selection in 401 K
Replies: 18
Views: 1204

Re: Quest for better fund selection in 401 K

Please share how you went from a once terrible 401 K to a three fund portfolio and and got your DFA small value fund as well. I can tell you what I did. I have only fought this battle for 3 years and maybe a few months. I have worked for the company for much longer. It's a large-ish company; big en...
by whodidntante
Tue Nov 14, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Pay down a 3.25% 15-year mortgage?
Replies: 25
Views: 3773

Re: Pay down a 3.25% 15-year mortgage?

That "investment" property sounds awful. I would put it on the market today.
by whodidntante
Mon Nov 13, 2017 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 175
Views: 14108

Re: Why pay cash for a car?

I had the money and still took a loan.
by whodidntante
Mon Nov 13, 2017 10:56 pm
Forum: Investing - Theory, News & General
Topic: "A Case Against Over Weighting International Equity"
Replies: 11
Views: 1424

Re: "A Case Against Over Weighting International Equity"

If you don't like what you read in the financial news, wait a few hours.
by whodidntante
Mon Nov 13, 2017 9:33 pm
Forum: Investing - Theory, News & General
Topic: Quest for better fund selection in 401 K
Replies: 18
Views: 1204

Re: Quest for better fund selection in 401 K

I cannot recommend being the squeaky wheel, but it has always worked so well for me. My once terrible 401k has been significantly improved twice, and now I actually have a low cost way to implement a three fund portfolio, and a DFA small value fund as well. It's not the 401k I would design if you ha...
by whodidntante
Mon Nov 13, 2017 9:09 pm
Forum: Investing - Theory, News & General
Topic: Do DFA advisors get kickbacks?
Replies: 11
Views: 1604

Re: Do DFA advisors get kickbacks?

AFAIK DFA does not engage in revenue sharing (kickbacks).
by whodidntante
Mon Nov 13, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab/Fidelity vs BoA Gold: Checking
Replies: 41
Views: 3004

Re: Schwab/Fidelity vs BoA Gold: Checking

Also, I believe one can do more things online at Fidelity. I can't think of a single thing that has required me to fax or mail in something, and that's important to me. It's why I did not go with BOA and moved from Vanguard and Wells Fargo. I did have to go to a Fidelity branch with dead-tree paper...
by whodidntante
Mon Nov 13, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 642
Views: 104455

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I thought the tier was based on 3-month average of assets, but I read more, and that I see what you mean. Looks like you keep your level for 12 months. I had a much higher balance before transferring out for another bonus this summer. I'll probably be moving some assets back for this latest bonus. ...
by whodidntante
Sun Nov 12, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for 5% return
Replies: 65
Views: 4746

Re: Asset allocation for 5% return

If you need 5% real then I would suggest EM equities and a short term bond fund. About 60/40.
by whodidntante
Sun Nov 12, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: The Personal Black Swan
Replies: 46
Views: 5682

Re: The Personal Black Swan

I think a major medical condition that causes you to lose your income is a more realistic threat to working age people. I have seen people struck down early by stroke, cancer, brain damage, seizures, Parkinson's, mental illness, addiction, and injury.
by whodidntante
Sun Nov 12, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: What Credit Card is good for me?
Replies: 19
Views: 1273

Re: What Credit Card is good for me?

2% is the best you can get on general spend without joining a credit union, paying an annual fee, using limited time offers, or having "status" (usually that means money/investments at the bank). Fidelity Rewards will give you 2%, and occasionally 3% in the form of a spending offer, when redeemed to...
by whodidntante
Sun Nov 12, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: $30K loan for 12 months
Replies: 23
Views: 1460

Re: $30K loan for 12 months

I usually have a credit card offering me a loan at 0%. The fee is from 2%-5%. 3% usually. This is very competitive for an unsecured loan. You mentioned that you did that before. Call and ask if they have any offers. Credit unions usually have promos during Q4. They will do personal loans or credit c...
by whodidntante
Sun Nov 12, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: $30K loan for 12 months
Replies: 23
Views: 1460

Re: $30K loan for 12 months

https://www.lightstream.com/ I've never used these dudes, but I've heard from quite a few people who have. The loan, even if you select a loan for an automobile, is unsecured, and I've read that they do not verify what the funds were used for. Read the fine print and decide for yourself. They have ...
by whodidntante
Sun Nov 12, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Paying off Home mortgage, partner doubts?
Replies: 40
Views: 2897

Re: Paying off Home mortgage, partner doubts?

Your plan is to pay off this mortgage then buy a bigger house with a mortgage? That doesn't make sense to me.
by whodidntante
Sat Nov 11, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab/Fidelity vs BoA Gold: Checking
Replies: 41
Views: 3004

Re: Schwab/Fidelity vs BoA Gold: Checking

Schwab and fidelity atm cards are free to get cash overseas. I believe BoA had a hefty fee for that For everything else BoA is clearly better at the platinum honors level. Gold isn't worthwhile IMO. Transfer in kind, get a bonus, and collect ongoing rewards.
by whodidntante
Sat Nov 11, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Should you own only non-U.S. stocks?
Replies: 63
Views: 6132

Re: Should you own only non-U.S. stocks?

If you're adopting tactical allocation then adopting a tilt to EM followed by DM is reasonable. I personally would not exclude US stocks entirely, but I get why others might. If I could only hold one, then I would dump my US stocks right now.
by whodidntante
Thu Nov 09, 2017 2:07 am
Forum: Personal Finance (Not Investing)
Topic: Equity Line Of Credit ??.......
Replies: 16
Views: 1341

Re: Equity Line Of Credit ??.......

If you do not have any debts I think the effect on your credit will be slightly positive. There may be a small but temporary decrease due to the hard pull and a drop in the average age of accounts. But creditors want to see responsible use of credit, not credit avoidance. I would open the HELOC. I h...
by whodidntante
Wed Nov 08, 2017 10:14 pm
Forum: Investing - Theory, News & General
Topic: DFA access
Replies: 27
Views: 2475

Re: DFA access

I am loath to pay transaction fees for DFA funds in this commission free era.
by whodidntante
Wed Nov 08, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Why put Bonds in 401k instead of stock?
Replies: 6
Views: 630

Re: Why put Bonds in 401k instead of stock?

We are basically taking advantage of existing tax code. Stocks receive favorable tax treatment in a taxable account. Very favorable. Capital gains tax is deferred until you sell. That might be 30 years or more. And long term capital gains and qualified dividends are taxed at a lower rate than income...
by whodidntante
Tue Nov 07, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can an HSA Rollover be "Too Early?"
Replies: 2
Views: 300

Re: Can an HSA Rollover be "Too Early?"

Alan S. wrote:
Tue Nov 07, 2017 8:53 pm
A rollover can only FOLLOW a distribution. Otherwise, you could carry two HSA balances for an undetermined amount of time.
Thank you.
by whodidntante
Tue Nov 07, 2017 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: From 100% equity to 80/20. Overnight or over a year?
Replies: 23
Views: 1872

Re: From 100% equity to 80/20. Overnight or over a year?

If I wanted 80/20 as my asset allocation, I would put in the trade tomorrow (or tonight if it's in mutual funds). The only rational reason I can think of to glide into it would be tax optimization. DCA is often an emotional crutch driven by fear. Fear of missing out on a gain, or fear of loss.