Search found 2090 matches

by whodidntante
Sat Oct 21, 2017 1:13 am
Forum: Investing - Theory, News & General
Topic: Charles schwab - why so much cheaper?
Replies: 23
Views: 2617

Re: Charles schwab - why so much cheaper?

At what point will I get paid 1bp to invest in an ETF? Asking for a friend. :mrgreen: With securities lending revenue returned to the fund, there might be a few examples of that already. My 401k has a fund with a negative ER, kinda. The ER is 0.22% but I receive a 0.25% rebate. It's contractual and...
by whodidntante
Fri Oct 20, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 580
Views: 91911

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thinking of transferring some assets out of VG. Most of my asset at Vanguard are in Admiral funds, with some ETFs. So it seems the steps I should follow are 1)Ask Vanguard to convert Admiral funds to ETFs, check cost basis after conversion. 2) Open New account, transfer ETFs there with a partial tr...
by whodidntante
Fri Oct 20, 2017 5:22 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 580
Views: 91911

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I have around 60k between Fidelity and TDA that can be rehomed for a bonus. That's what is left after taking advantage of offers at ETrade and Merrill Edge. I was hoping to see a good public offer come up at Q4 but so far it's been pretty dry. Does anyone know of a good bonus for > 50k taxable? I w...
by whodidntante
Thu Oct 19, 2017 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: High fee funds
Replies: 12
Views: 961

Re: High fee funds

I have two AQR funds that aren't the cheapest. I bought them for the alternative sources of return. Some here wouldn't touch them with a 3 meter pole.

I wouldn't buy a "stock picking" fund that was expensive unless it was my only option (like in a 401k).
by whodidntante
Thu Oct 19, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 580
Views: 91911

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I have around 60k between Fidelity and TDA that can be rehomed for a bonus. That's what is left after taking advantage of offers at ETrade and Merrill Edge. I was hoping to see a good public offer come up at Q4 but so far it's been pretty dry. Does anyone know of a good bonus for > 50k taxable? I wa...
by whodidntante
Wed Oct 18, 2017 11:35 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 19
Views: 1495

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

Lively+TDA likely the best choice if you are investing every dollar long-term. There is a great deal of whining about the commission free ETF changes, but that there are still good some very good options in the new commission free list.
by whodidntante
Tue Oct 17, 2017 11:32 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 314
Views: 16162

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

We all knew the list of commission free ETFs was subject to change. We also knew that vanguard doesn't pay to play. It's a business decision by TDA. Now feel free to make your own business decision.
by whodidntante
Tue Oct 17, 2017 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2271

Re: Credit scores fell this month a lot for no reason

I get a FICO 8 score for free and it has not changed much.
by whodidntante
Tue Oct 17, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth applying for Credit Limit Increase?
Replies: 21
Views: 1200

Re: Is it worth applying for Credit Limit Increase?

Really no need for credit increase. I just heard that having higher credit limit helps with credit score. Why do you need a credit score higher than 776? Is there some benefit to it? There could be. 776 is quite close to 740, which is the cutoff for the best mortgage rates. So if you churn or just ...
by whodidntante
Tue Oct 17, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth applying for Credit Limit Increase?
Replies: 21
Views: 1200

Re: Is it worth applying for Credit Limit Increase?

Dottie57 wrote:
Tue Oct 17, 2017 6:56 pm
What do all of you charge that you need such large limits.
I'm a churner so I charge everything possible, so long as the fee does not exceed the rewards. I've had some high spending years due to attending graduate school and frequent international travel and decided I might as well exploit that.
by whodidntante
Tue Oct 17, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth applying for Credit Limit Increase?
Replies: 21
Views: 1200

Re: Is it worth applying for Credit Limit Increase?

There is no way to know unless you try. If this is your only credit I would ask for 20k. If you have a more extensive history that includes car loans and other positive credit history, I would ask for 25k. You might want to apply for a couple more cards if you would need more revolving credit. It's ...
by whodidntante
Mon Oct 16, 2017 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in private companies
Replies: 31
Views: 1879

Re: Investing in private companies

There is a lot of blah blah blah about Buffett's publicly traded stock picks, mainly because that's accessible to most of us and you can follow along with the bouncing ball. It's fun to imagine you are doing something smart like that legendary investor Buffett. But he makes a lot more money with the...
by whodidntante
Mon Oct 16, 2017 11:11 pm
Forum: Investing - Theory, News & General
Topic: 30th Anniversary of October 19, 1987 stock market crash
Replies: 36
Views: 2841

Re: 30th Anniversary of October 19, 1987 stock market crash

I've lived through some terrible markets, but I'll let you old folks tell me about being invested in 1987. :wink:
by whodidntante
Mon Oct 16, 2017 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Overweighting international equities without sector tilt?
Replies: 6
Views: 410

Re: Overweighting international equities without sector tilt?

It seems complicated to me, and I'd like to know why you want to do that if you don't mind. But I'll try to answer the question I think you asked. It's possible I did not understand you and if so I apologize. No, I don't think the approach you outlined is a good one. I wouldn't buy growth funds as a...
by whodidntante
Sun Oct 15, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1518

Re: EE/Ibonds & Tax Advantaged Space

I don't own munis myself because the math doesn't work. Which means that when I do the math, I'm better off holding either intermediate term broad bond indexes, stable value funds, CDs in pretax than I am to buy munis. A lot of state specific funds own long bonds which have greater interest rate ris...
by whodidntante
Sun Oct 15, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Opinions on bicycle disc brakes?
Replies: 26
Views: 1482

Re: Opinions on bicycle disc brakes?

If you bike in the rain (road or mountain) often there is simply no substitute for disc brakes. I used to go through a set of rims once a year on my commuter because the wet grit would cause the pads to basically grind through the rim until it pretzeled. Stopping power is significantly reduced in t...
by whodidntante
Sun Oct 15, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 3799

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

If you may have caused or may have been at-fault in a collision there is the potential that you will be sued or charged with a crime. Being on the phone wouldn't help your case. The risk may be low but it isn't zero. Also, talking to your friend or SO would require less concentration than some work ...
by whodidntante
Sun Oct 15, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: HSA investment [use guaranteed 4% or use equities]
Replies: 22
Views: 1393

Re: HSA investment [use guaranteed 4% or use equities]

I would take 4% in this current environment assuming it's truly riskless. E.g., if it's in the form of an FDIC insured account and not a corporate bond or preferred stock. It wasn't that long ago that money market funds paid more than 4%, so look up every now and then to determine if you should real...
by whodidntante
Sun Oct 15, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: International [Are multinational US companies the same as international?]
Replies: 12
Views: 607

Re: International [Are multinational US companies the same as international?]

I got an e-mail from personal capital today that the S&P 500 is up 14.04% YTD, while "foreign" stocks are up 24.28%. So I guess they aren't the same, in fact the difference is 10.24%.
by whodidntante
Sat Oct 14, 2017 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7814

Re: New HSA provider Lively offers investments for $30/yr fee

TDA has had very good commission free ETF choices for a while now. I hope they don't screw it up. I'm also a customer at ETrade and their list is much worse.
by whodidntante
Sat Oct 14, 2017 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: My EJ portfolio vs my Vanguard, side by side
Replies: 27
Views: 3124

Re: My EJ portfolio vs my Vanguard, side by side

This EJ portfolio isn't terrible. I still wouldn't own it.
by whodidntante
Sat Oct 14, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 36
Views: 1871

Re: Selling Tradelines

For those who claim that this is against the credit card terms and conditions I would like to see that documented. I've never seen proof of that. As far as I know there are no restrictions on who you can add as authorized users. I don't see this as any different than for example Clark Howard and ot...
by whodidntante
Sat Oct 14, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3219

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

I don't have any direct AAPL exposure, nor do I want any. But I have a major small cap tilt including the S&P 600 index.
by whodidntante
Sat Oct 14, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with current market (voo,vti)
Replies: 48
Views: 2001

Re: Need help with current market (voo,vti)

nkotbbh, why would you want to buy VTI and VOO? They are almost the same, so choose just one--VTI. As for what to do, if you had an allocation in stocks at EJ, then your move is a sideways move and you should continue with the same asset allocation (AA) you had before the transfer. If you are not c...
by whodidntante
Sat Oct 14, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Can I fund my dad's taxable account?
Replies: 10
Views: 956

Re: Can I fund my dad's taxable account?

Just write HIM a check and then help him do the purchase if needed.
by whodidntante
Sat Oct 14, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 121
Views: 8407

Re: anyone else not liking the new cars?

I think all current Toyotas are ugly.
by whodidntante
Thu Oct 12, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 18
Views: 1789

Re: Anyone used Zelle?

I'm happy to see some progress in the area of electronic payments even though it is far from perfect. Taking a picture of a check someone mailed you three days ago was always a silly stop gap
by whodidntante
Thu Oct 12, 2017 8:24 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads Audiobook??
Replies: 3
Views: 397

Re: Bogleheads Audiobook??

There are a few great podcasts that flow better because they are podcasts. There was a thread on it.
by whodidntante
Thu Oct 12, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: 100% invested, all in, no cash- how do you do it?
Replies: 42
Views: 3517

Re: 100% invested, all in, no cash- how do you do it?

The regulars here seem to have an enormous pile of liquidity at their disposal. Such people do not need cash or an emergency fund. The guy who is bouncing checks, taking payday loans, or regularly paying interest on credit cards needed an emergency fund.
by whodidntante
Thu Oct 12, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 36
Views: 1871

Re: Selling Tradelines

I looked into doing this with a 16 year old card because older cards bring more money. I decided not to do it because I could not find any datapoints for the issuer. Some issuers will close your account for selling tradelines.
by whodidntante
Thu Oct 12, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve 50k points for private banking checking relationship
Replies: 12
Views: 1547

Re: Chase Sapphire Reserve 50k points for private banking checking relationship

I don't think it is a good offer. There are several checking and savings account bonuses that are more lucrative though you will have to do more than one. You can even get a stockbroker to pay you $500 on 100 grand. If you want to become a chase private client however, you might as well let them pay...
by whodidntante
Thu Oct 12, 2017 12:08 am
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3125

Re: Mechanic expects me to pay for his mistake

You might have signed a waiver without reading it, unless you are a rare bird who reads everything before signing. Contracts are valid even if you don't read them. If he won't pay, you might want to have a lawyer send him a letter. Sometimes that will work. I doubt it is worth suing for the money in...
by whodidntante
Tue Oct 10, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: Care by Volvo
Replies: 14
Views: 1250

Re: Care by Volvo

Don't buy cars like VW's and you will be a lot less likely to go into the dealer or mechanic for repairs in the first place. And when you do have to go in it won't be so expensive. You missed my point. Regardless of whether there is anything wrong with the car, dealerships etc will find something w...
by whodidntante
Mon Oct 09, 2017 7:36 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11736

Re: 100% in bond to wait for market crash?

I have a hard enough time justifying 10% in bonds. Don't think I can add a zero.
by whodidntante
Sun Oct 08, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12108

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

USA bonds, stocks, and real estate seem "fully valued" to me. I guess that's what happens when central banks print huge volumes of money. The problem is, you have to invest in something.
by whodidntante
Sun Oct 08, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity reimburse transfer fees from other brokers?
Replies: 4
Views: 387

Re: Fidelity reimburse transfer fees from other brokers?

Fidelity is not currently paying cash bonuses. See the thread I linked.
by whodidntante
Sun Oct 08, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity reimburse transfer fees from other brokers?
Replies: 4
Views: 387

Re: Fidelity reimburse transfer fees from other brokers?

Fidelity will typically reimburse you for transfer in kind fees, if the amount being transferred is significant e.g. not a few hundred dollars. Other brokers will do that also, but not Vanguard. It's probably not worth the effort to get that confirmed beforehand, but if you think it's necessary, use...
by whodidntante
Sun Oct 08, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Question about my HSA and 401k after switching jobs
Replies: 5
Views: 503

Re: Question about my HSA and 401k after switching jobs

1. Yes, I understand that it's 6% every year. But lets say I correct it and pay the penalty, that's still company money. Isn't it still worth doing? 2. I tried using the calculator but I'm still confused. Can you point me to something that explicitly states how much of my paycheck I can contribute ...
by whodidntante
Sat Oct 07, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Using "Bear" Funds In Lieu of Taxable Reallocation
Replies: 8
Views: 700

Re: Using "Bear" Funds In Lieu of Taxable Reallocation

You could short s&p 500 emini futures or buy a put option on SPY. Those options require less capital and will actually do what you expect.
by whodidntante
Sat Oct 07, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's long-term outlook for TIPS
Replies: 92
Views: 6965

Re: Vanguard's long-term outlook for TIPS

If I-bonds are returning 1.96% and we have inflation why are TIPS losing money?
by whodidntante
Sat Oct 07, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 15429

Re: Bogle himself is saying we will expect like 3% for the next decades

The question becomes, would any rational individual go ahead and put money in a 401k and IRA knowing that there was a GOOD (not 100%) chance that real returns will be around 3% for the next 20 years. What are your thoughts? Yes, it would be rational to save money in that environment. I expect these...
by whodidntante
Sat Oct 07, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: Relative Importance of Savings Rate, Asset Allocation, and Investment Selection
Replies: 21
Views: 1700

Re: Relative Importance of Savings Rate, Asset Allocation, and Investment Selection

How much you save/accumulate is by far the most predictive factor. Asset allocation and fees only matter if there is something for it to matter with.
by whodidntante
Sat Oct 07, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7462

Re: Do you want your receipt?

I get an e-mail confirming the details of any credit card transaction I make, and that's enough of a receipt for me for most small transactions. The exception is if I leave a tip post authorization, then I'll keep a receipt until the amended charge posts. Outside the USA, the tip normally needs to b...
by whodidntante
Sat Oct 07, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Comparison - Present Value?
Replies: 4
Views: 349

Re: Mortgage Comparison - Present Value?

I think that's a reasonable way to compare the two situations, but also will go over the head of most people. If you think you have leverage go ahead and counter what you think is fair.
by whodidntante
Sat Oct 07, 2017 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping Tabs on Investment Accounts
Replies: 13
Views: 1133

Re: Keeping Tabs on Investment Accounts

I check them frequently. Partly because I enjoy it, and partly because I want to know if things are in order. I also use Personal Capital, Mint, Fidelity Fullview, and Merrill My Financial Picture. That said, most fraud prevention procedures and terms seem oriented towards protecting the custodian, ...
by whodidntante
Sat Oct 07, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: The Best Dave R. Thread (just kidding)
Replies: 9
Views: 982

Re: The Best Dave R. Thread (just kidding)

What does Dave Ramsey have to do with determining which bond fund is best?
by whodidntante
Sat Oct 07, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5715

Re: Roof shingles do not match - Neighbor sent notice

I would ignore the letter and the neighbor.
by whodidntante
Sat Oct 07, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: How much is enough umbrella insurance
Replies: 6
Views: 949

Re: How much is enough umbrella insurance

I "only" have a million on my policy. I don't think it's likely that I'll be sued for more than that. But if you think you could realistically be sued for more than 5 million, it is not a bad idea to up your coverage. And remember it would have to so much more than 5 million that you chose not to se...
by whodidntante
Sat Oct 07, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8091

Re: I'm thinking about cashing completely out of equites....

You didn't supply enough information to have a real discussion about this. Let us know what you decided to do, and how it works out. Good luck.