Search found 4579 matches

by whodidntante
Mon Jan 21, 2019 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Credit card debt planning - advice
Replies: 7
Views: 293

Re: Help with Credit card debt planning - advice

The emergency already happened. Pay off the cards. There is no way I would keep cash around when I'm paying double digit interest on the spread. If it's 0%, fine.
by whodidntante
Mon Jan 21, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Federal Workers
Replies: 33
Views: 1211

Re: Federal Workers

Some of them just don't make any money. Imagine being a food service worker and then having your meager earnings pulled out from under you.
by whodidntante
Mon Jan 21, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 38
Views: 1026

Re: Is it ever worth purchasing an extended warranty for a vehicle?

The house wins. Just like a casino. The consumer rarely does, that's what Dave Ramsey and Consumer Reports tell you to never buy one. The good news is if you just bought a new Ford, you don't need to make any decision for a while. If you wait until after your first year, it costs $100 more. And you...
by whodidntante
Mon Jan 21, 2019 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 68
Views: 9316

Re: Fidelity Rewards Visa Card

I did some onetime setup a long while back and the rewards automatically show up in my Fidelity Cash Management Account monthly. I can easily withdraw from there or transfer to any other account. I did the same thing and don’t remember if a reminder was automatically set up or I did that manually t...
by whodidntante
Sun Jan 20, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about Fidelity
Replies: 21
Views: 1572

Re: Questions about Fidelity

I use the Fidelity CMA card strictly as an ATM card. I've used it all over the world. They will indeed shut it off if you don't provide a travel notification. I've never bought anything with it as a debit card. And I wouldn't use that debit card or any other debit card for purchases, because I find ...
by whodidntante
Sun Jan 20, 2019 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation and risk evaluation for family with high equity income every year
Replies: 5
Views: 548

Re: Asset allocation and risk evaluation for family with high equity income every year

Instead of having stocks in your 401k, you probably want to use your pre-tax space for bonds, and hold equity index ETFs in taxable. The reason is the favorable tax treatment of equities. Also, the volatility of equities will sometimes allow you to realize a capital loss and defer even more tax. I w...
by whodidntante
Sun Jan 20, 2019 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 68
Views: 9316

Re: Fidelity Rewards Visa Card

Can someone explain further how to get the 2% rebate out of Fidelity? The specific steps. Right now it goes to my wife's Roth IRA which is only complicating our portfolio management, that's the only reason that account is at Fidelity. Thanks! Can do! 1) Log in to fidelity. Avoid the temptation to g...
by whodidntante
Sun Jan 20, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: Where to buy CR2032 batteries?
Replies: 38
Views: 2215

Re: Where to buy CR2032 batteries?

Best buy has a daily deal on them right now.
by whodidntante
Sun Jan 20, 2019 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: best way to cash a Aussie $ check
Replies: 11
Views: 671

Re: best way to cash a Aussie $ check

They still use checks? A wire transfer is well suited for this transaction.
by whodidntante
Sun Jan 20, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 109
Views: 4369

Re: Paying thousands per ticket to attend the NFL Super Bowl?

stevewolfe wrote:
Sun Jan 20, 2019 8:16 pm
If my team was in the game, and I could afford to go, yes, I would absolutely. You live once. I would rather spend the money on an experience of a lifetime than live with the regret of not going if I had the chance.

Steve
/thread
by whodidntante
Sun Jan 20, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?
Replies: 59
Views: 2945

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

Haggar H26 pants are my beater pants. They are a cotton/polyester blend but are lightweight IMO and really comfortable. Also really cheap, so it's no big loss if they get damaged. Available at Target and Macy's. If they have no wrinkles once dry, they are resistant to wrinkles when packed.
by whodidntante
Sun Jan 20, 2019 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Jettison QSPIX?
Replies: 21
Views: 1106

Re: Jettison QSPIX?

Has your investing thesis changed? Have you lost confidence in the strategy and the benefits of holding the fund, and did you understand it in the first place? It doesn't matter if Larry Swedroe understands it, because you're the one who needs the conviction to hold the fund through a period of unde...
by whodidntante
Sun Jan 20, 2019 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: 401k + aftertax 401k -> roth methodology
Replies: 19
Views: 1269

Re: 401k + aftertax 401k -> roth methodology

My summary plan description does not mention HCEs, either. But the plan document goes into a lot of detail about it.
by whodidntante
Sun Jan 20, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: ETF turnover effect on return
Replies: 6
Views: 639

Re: ETF turnover effect on return

sorry for bumping this thread. For international investor, my only way of purchasing broad based index fund is through the ETFs. Does anyone has data on the ETFs performance relative to the index funds? Especially factor in the long term effect of turnover cost of ETFs. thank you =) ETFs don't need...
by whodidntante
Sun Jan 20, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Zero Gravity Chairs
Replies: 7
Views: 802

Re: Zero Gravity Chairs

Make sure you get one with a harness so you don't float away.
by whodidntante
Sun Jan 20, 2019 9:07 am
Forum: Investing - Theory, News & General
Topic: Currency Hedging in order not to affect currency fluctuations
Replies: 10
Views: 495

Re: Currency Hedging in order not to affect currency fluctuations

You can either buy a fund that hedges to yen, or you can roll your own currency hedging using futures. The first is easier and would be worth paying a somewhat higher ER for. I am not familiar with Japanese funds so I don't know if there is a good option available.
by whodidntante
Sat Jan 19, 2019 9:02 pm
Forum: Investing - Theory, News & General
Topic: Tax-managed LifeStrategy fund
Replies: 7
Views: 1129

Re: Tax-managed LifeStrategy fund

...You can buy this but I don't recommend it. [Vanguard Tax-Managed Balanced Fund] Would you care to elaborate on why you don't recommend this fund? Lower return and credit risk of munis. Reduced control over which asset to sell. Mutual fund structure can generate significant capital gains during a...
by whodidntante
Sat Jan 19, 2019 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: 401k is moving from Betterment to Empower - Selection Advice
Replies: 4
Views: 163

Re: 401k is moving from Betterment to Empower - Selection Advice

The Schwab target date fund has a 0.08% ER and will handle rebalancing automatically for you. The asset allocation is also designed and adjusted as needed by a professional. That would be the simplest solution compared to a four fund portfolio, if as you say, you value simplicity and low costs.
by whodidntante
Sat Jan 19, 2019 3:08 pm
Forum: Investing - Theory, News & General
Topic: Risk Definition By Warren Buffet
Replies: 17
Views: 906

Re: Risk Definition By Warren Buffet

It's a long term view of risk or more cynically a rich person's view of risk. Not everyone can act rationally in the face of a steep drawdown, and not everyone can afford to ignore a steep draw down. For some of us a steep drawdown will be life changing, for example if you become disabled at the age...
by whodidntante
Sat Jan 19, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 83
Views: 3792

Re: What is a Boglehead funeral/burial?

Is there a Ralph's around here?
by whodidntante
Sat Jan 19, 2019 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Any bond gurus?
Replies: 13
Views: 1198

Re: Any bond gurus?

Be sure to add any AUM fee to the expenses. It's a lot of money to pay to a strip mall financial institution.
by whodidntante
Sat Jan 19, 2019 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Any downsides to repeatedly switching between varioud money market funds?
Replies: 7
Views: 601

Re: Any downsides to repeatedly switching between varioud money market funds?

I do around 60 transactions a year in a Fidelity MMF and have suffered no ill effects. Frequent buys and sells. I do not see a reason to frequently switch MMFs, however.
by whodidntante
Sat Jan 19, 2019 11:16 am
Forum: Investing - Theory, News & General
Topic: A look at equal weighting as we bid farewell to EQWS
Replies: 29
Views: 1034

Re: A look at equal weighting as we bid farewell to EQWS

I am not a fan of equal-weighting as a core strategy, mostly because of the implementation challenges (i.e. higher portfolio turnover and the associated costs, especially for smaller and less-liquid stocks). Having said that, the characterization of cap-weighting as "not arbitrary" and equal-weight...
by whodidntante
Sat Jan 19, 2019 11:10 am
Forum: Investing - Help with Personal Investments
Topic: 401k + aftertax 401k -> roth methodology
Replies: 19
Views: 1269

Re: 401k + aftertax 401k -> roth methodology

3) I'm not sure what the threshold is for highly compensated in your terms. I am towards the top but not top 10. HCE is not my term. Search for HCE, and ADP/ACP testing and you will understand what I mean. After-tax contributions are considered separately and a safe harbor plan can still fail ADP/A...
by whodidntante
Sat Jan 19, 2019 11:06 am
Forum: Investing - Theory, News & General
Topic: A look at equal weighting as we bid farewell to EQWS
Replies: 29
Views: 1034

Re: A look at equal weighting as we bid farewell to EQWS

I am not a fan of equal-weighting as a core strategy, mostly because of the implementation challenges (i.e. higher portfolio turnover and the associated costs, especially for smaller and less-liquid stocks). Having said that, the characterization of cap-weighting as "not arbitrary" and equal-weight...
by whodidntante
Sat Jan 19, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 41
Views: 3159

Re: Car reviews - Consumer Reports or other sources?

I've owned mostly used cars that Consumer Reports told me would break on the test drive, taken them to really high mileage and generally pushed them harder than the average driver, and I've barely had to pay anything for repairs. This is at least partly due to my ability to assess the car, and to is...
by whodidntante
Sat Jan 19, 2019 10:08 am
Forum: Investing - Help with Personal Investments
Topic: 401k + aftertax 401k -> roth methodology
Replies: 19
Views: 1269

Re: 401k + aftertax 401k -> roth methodology

If you receive a company match or a non-elective contribution, that will count towards the 2019 415 limit of 56k. If you are a highly compensated employee, your after tax contributions might be restricted or returned to you. It seems like the biggest problem is short term liquidity of taxable broker...
by whodidntante
Sat Jan 19, 2019 1:56 am
Forum: Investing - Theory, News & General
Topic: Tax-managed LifeStrategy fund
Replies: 7
Views: 1129

Re: Tax-managed LifeStrategy fund

Probably not a lot of demand. I know that I wouldn't buy it. I keep only equity index ETFs in taxable. You can buy this but I don't recommend it. https://investor.vanguard.com/mutual-fu ... fees/vtmfx
by whodidntante
Sat Jan 19, 2019 12:38 am
Forum: Investing - Theory, News & General
Topic: What active management stock funds would you own?
Replies: 75
Views: 4427

Re: What active management stock funds would you own?

I like to have a good idea of the style constraints, but I am OK with a low cost active quant fund that targets exposure that I want. I have a lot in taxable accounts and like to move my assets around to different brokers so I strongly prefer ETFs. Some people like Vanguard International Value Fund ...
by whodidntante
Sat Jan 19, 2019 12:22 am
Forum: Investing - Theory, News & General
Topic: What active management stock funds would you own?
Replies: 75
Views: 4427

Re: What active management stock funds would you own?

Here is one I’ve been watching recently: Royce Opportunity. Deep small value, even includes some micro-caps. Has outperformed DFA over past 20+ years. https://www.portfoliovisualizer.com/fund-performance?s=y&symbol=RYPNX&benchmark=DFSVX&endDate=01%2F18%2F2019 If you want to own it, it looks like Fi...
by whodidntante
Fri Jan 18, 2019 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Never thought it would happen to me - life changing injury
Replies: 38
Views: 4785

Re: Never thought it would happen to me - life changing injury

Welcome to the forum. Sorry you have suffered this injury. You have made HUGE progress by deciding to further your investing education. Take your time. Cash is not a fantastic investment, but it doesn't matter if you hold it few a few months while you sort things out. You'll want to assess your risk...
by whodidntante
Fri Jan 18, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: Fidelity muni money market fund yields cratering...?
Replies: 7
Views: 893

Re: Fidelity muni money market fund yields cratering...?

I don't know, but people were reporting a yield spike on the Schwab muni funds late 2017. I also don't know if this is reliable and exploitable.
by whodidntante
Fri Jan 18, 2019 6:34 pm
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 58
Views: 5703

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

My question is what would you use in a HSA account? I currently have opened a HSA account with Fidelity but don't know which funds to pick, i am weighing between FZROX and FSKAX. I do want to be able to move it to vanguard if they offer HSA accounts down the road. Use whatever you like, but I think...
by whodidntante
Fri Jan 18, 2019 6:30 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 157
Views: 5667

Re: My trend following strategy and experience

I'm rooting for you, although I probably should not. You can outperform by being out of the market during a period of bad performance for me. LOL.
by whodidntante
Fri Jan 18, 2019 1:53 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 141
Views: 6532

Re: 2019 Hedge Fund Contest

There are several companies who can make excellent cars at scale. For now those companies are content to let Tesla lose money serving a niche market. But if electric vehicles ever make economic sense they will have more interest, and then Tesla is going to be crushed by better, cheaper cars from bra...
by whodidntante
Fri Jan 18, 2019 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Just missed a few days of gains rolling over 401K from Fidelity to Vanguard
Replies: 59
Views: 1618

Re: Just missed a few days of gains rolling over 401K from Fidelity to Vanguard

I don't have enough bonds to sell to make a rollover riskless. I guess I could temporarily leverage exposure but if I should do that then I should do it every day.
by whodidntante
Fri Jan 18, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: HSA [How do I organize expenses for future reimbursement?]
Replies: 33
Views: 1848

Re: HSA [How do I organize expenses for future reimbursement?]

Also curious about this. Do you keep an image of the credit card receipt from the provider or the EOB from the insurance company or both? Thanks. The EOB is useless in this context. I keep an image of each bill and a record that I paid the bill, which is usually a PDF of an online payment receipt.
by whodidntante
Thu Jan 17, 2019 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: IRS to lower 2018 safe harbor withholding threshold to 85% [2018 only]
Replies: 22
Views: 2661

Re: IRS waiving under-withholding penalty for more people in 2018

DrGoogle2017 wrote:
Thu Jan 17, 2019 1:51 pm
Darn it, this is the year that I overpaid my tax by a large amount.
Thanks, citizen!
by whodidntante
Thu Jan 17, 2019 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: HSA [How do I organize expenses for future reimbursement?]
Replies: 33
Views: 1848

Re: HSA

I scan pdfs with my phone camera using the Google drive app, then retain a second local copy in addition to the cloud copy.
by whodidntante
Thu Jan 17, 2019 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 93
Views: 6793

Re: Should I buy a house in the Bay area or give up?

If I were single and making 200k in the Bay Area, I would probably live in a van down by the river.
by whodidntante
Thu Jan 17, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 141
Views: 6532

Re: 2019 Hedge Fund Contest

Short positions in Netflix should see a health bump tomorrow on mixed earnings. $3 billion negative cashflow projected for 2019 even after recently hiking their subscription prices :beer That's good. I'm tired of Power Mouse Capital shareholders sending me McDonald's wrappers with choice messages.
by whodidntante
Thu Jan 17, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Promo Rate Runs Out
Replies: 4
Views: 364

Re: Credit Card Promo Rate Runs Out

You lose the grace period if you have a balance with modern credit cards, so you might owe interest on some of the charges in the final month depending on how the dates line up. I just stop using the card a couple of months prior, or settle up early if I want to use the card so the grace period is a...
by whodidntante
Thu Jan 17, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: How long until we see negative ER funds?
Replies: 44
Views: 3121

Re: How long until we see negative ER funds?

I only have one sixth of my stock investments in US large cap stocks, so a lot of the funds I buy into generate significant income from securities lending. I also receive free trades and cash bonuses for being such an awesome customer, I guess. And oh look, Bank of America also gives me a 75% credit...
by whodidntante
Wed Jan 16, 2019 8:24 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 850
Views: 43846

Re: John Bogle is dead at 89

Who is the happier man, he who has braved the storm of life and lived or he who has stayed securely on shore and merely existed?

One last toast to Bogle's folly. May we be lucky enough to be weird and proven right!

:sharebeer
by whodidntante
Wed Jan 16, 2019 1:51 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 141
Views: 6532

Re: 2019 Hedge Fund Contest

Is a loss of over 100% a bust out? Or do we assume unlimited helicopter angel money?
by whodidntante
Wed Jan 16, 2019 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Money Market Options
Replies: 17
Views: 1262

Re: TD Ameritrade Money Market Options

gclancer wrote:
Wed Jan 16, 2019 1:39 pm
The answer is NPLXX - there is a $2,500 minimum. It is the lowest minimum NTF MM Fund that TD offers.
You should bill TDA customer service for your research fee.
by whodidntante
Wed Jan 16, 2019 12:40 pm
Forum: Investing - Theory, News & General
Topic: Forward P/E ratios and subsequent 10-year returns
Replies: 6
Views: 512

Re: Forward P/E ratios and subsequent 10-year returns

Valuations tend to fall when earnings growth is projected to be lower according to a thing I just wrote. But hey it sounds like it would be true.