Search found 1157 matches

by whodidntante
Fri Jan 20, 2017 8:31 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 227
Views: 22126

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

*3!4!/5! wrote:^^^I bet the 2nd response is the right one. Reps can make mistakes.


It's like asking the IRS for tax advice. Sure, you can take their advice. But the nice person on the phone isn't the one who decides.
by whodidntante
Fri Jan 20, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: reverse mortgage: now or (possibly) later?
Replies: 6
Views: 525

Re: reverse mortgage: now or (possibly) later?

She might be better off selling the house.
by whodidntante
Thu Jan 19, 2017 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Easy Ways to Save a Little Money (Like Churning)
Replies: 17
Views: 2565

Re: Easy Ways to Save a Little Money (Like Churning)

I'm on schedule to earn $2,570 from new account bonuses and arbitrage during Q1. I use my emergency fund to back the activities.
by whodidntante
Thu Jan 19, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: PSA about Ford Stockholder's Benefit
Replies: 5
Views: 862

Re: PSA about Ford Stockholder's Benefit

I used to work for a Ford supplier under the X plan. As a share holder, are you provided with the supplier web tool? As a supplier, I could go onto the tool and see the X plan price on the website. It's no haggle. You don't get to negotiate further. Is it possible to get a better price? Yes.....but...
by whodidntante
Thu Jan 19, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: PSA about Ford Stockholder's Benefit
Replies: 5
Views: 862

Re: PSA about Ford Stockholder's Benefit

Scott311 wrote:Thanks! I was literally just searching for info on this! Can you post phone # or email that you used to contact Ford and/or submit your info?


stockinf@ford.com
I'm sure they can send you the form also.
by whodidntante
Thu Jan 19, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down 1.9% loan or invest
Replies: 36
Views: 2147

Re: Pay down 1.9% loan or invest

Earl Lemongrab wrote:
mattyfu1 wrote:Would you borrow cash @ 1.9% to invest and hopefully earn more than that? Personally I would not, as it sets a dangerous precedent of getting into further debt.

I would, and have in the past. I took out a 50k home-equity loan at 1.99 to invest.


And I assume you got a bonus, too! :sharebeer
by whodidntante
Wed Jan 18, 2017 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Would you switch investment advisor to save $3000+/yr?
Replies: 17
Views: 1610

Re: Would you switch investment advisor to save $3000+/yr?

I might need to see a large denominator to feel comfort with 3 grand total in advisor fees, never mind extra. It would depend on what that person is doing for me. Can you buy the DFA funds you want while you still have access, transfer out in kind, and then slum rebalance with ETFs for the rest of y...
by whodidntante
Wed Jan 18, 2017 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?
Replies: 65
Views: 3653

Re: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?

selftalk wrote:Hang the stock tables from the Wall Street Journal on the wall and borrow someone`s chimpanzee for a minute and give the animal some darts to throw at the stock list. It`s supposed to beat the "professionals."


I have a profitable cat, though the ER is pretty high.
by whodidntante
Tue Jan 17, 2017 11:57 pm
Forum: Investing - Theory, News & General
Topic: "The Year in Alternative Funds: A Bumpy Road With Some Bright Spots"
Replies: 21
Views: 1918

Re: "The Year in Alternative Funds: A Bumpy Road With Some Bright Spots"

I heard that stocks outperformed bonds over that same period spanning most of last year. I hope none of you got swindled buying bonds. :D
by whodidntante
Tue Jan 17, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Money Market Liquidity
Replies: 3
Views: 401

Re: Money Market Liquidity

I'm currently pulling on Fidelity's leash to see how much slack is in it. I can't find anyplace where this stuff is clearly spelled out, so I'm applying the scientific method.
by whodidntante
Tue Jan 17, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Credit Collection help needed
Replies: 22
Views: 1407

Re: Credit Collection help needed

You can ask for proof that the debt is legitimate and that you owe it. You can also contact the original creditor and ask them how they disposed of the debt. But you will need to deal with the collector if they purchased your bad debt.
by whodidntante
Tue Jan 17, 2017 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?
Replies: 65
Views: 3653

Re: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?

Do it somewhere with free trades. A $20 round trip can really eat into a "play" purchase of a couple grand per stock. Robinhood is free for all, but there are several places that are free with promos or with qualifying assets.
by whodidntante
Tue Jan 17, 2017 12:57 am
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3389

Re: Basic question on Hybrid cars

A car designed with efficiency in mind can make compromises. For example, it can be aerodynamic with the aesthetics of bludgeoned beaver and frightening high speed lift. It can use low rolling resistance tires, with the cornering ability of a child's first trip down a ski slope. It can also shut the...
by whodidntante
Mon Jan 16, 2017 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10024

Re: Why nobody understands importance of high-deductible insurance?

$2,500 deductible on my homeowner's policy. It saves $300/year.
by whodidntante
Mon Jan 16, 2017 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: What's a bearish investor to do?
Replies: 28
Views: 2739

Re: What's a bearish investor to do?

You're right that buying protective puts is a losing strategy long-term. You can't buy insurance against risk and expect to get all the upside. There is a trend-following camp that claims equity like performance over the long haul without the 50% drawdowns that occur with long-only (aka buy and hold...
by whodidntante
Mon Jan 16, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Is the housing market like stocks? When do you think prices fall again?
Replies: 38
Views: 2847

Re: Is the housing market like stocks? When do you think prices fall again?

I don't think we have some kind of US real estate bubble on our hands. Prior to the crisis, I felt differently. Certain countries have problems. Canada and Australia look bubbly to me. I do think there are real concerns in local markets. It is not crazy to think that housing prices could be cut in h...
by whodidntante
Mon Jan 16, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Replacement floor mats for Infiniti M37
Replies: 18
Views: 965

Re: Replacement floor mats for Infiniti M37

I like the custom molded Husky Weatherbeater mats. The fit is perfect and you can clean them with a hose. I bought mine from "auto anything" but you can find them at a lot of different stores online.
by whodidntante
Mon Jan 16, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: The gulf between MOM fund returns and MOM factor returns
Replies: 30
Views: 1620

Re: The gulf between MOM fund returns and MOM factor returns

I don't think I want to own a naked momentum fund. I am fine with applying momentum within a multifactor fund. I suspect (without looking) that momentum hasn't done well recently because the quants are just as helpless as you are regarding this current market. That doesn't invalidate momentum as a f...
by whodidntante
Sun Jan 15, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Where to get HID (Xenon) kit?
Replies: 20
Views: 1235

Re: Where to get HID (Xenon) kit?

If your headlight lense is cloudy, you might want to replace the headlight assembly. This helps quite a bit. HID lights require high voltage and I don't know how practical it is to retrofit a car that does not have HID lights.
by whodidntante
Sun Jan 15, 2017 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Sinning with non-USA bank USD CDs
Replies: 14
Views: 1190

Re: Sinning with non-USA bank USD CDs

I have no idea how to assess the credit risk or political risk of a bank CD in Panama. As long as you OK with the risks you are taking, it's fine. What would happen if you lose 100% of the money?
by whodidntante
Sun Jan 15, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: is a 401k loan always terrible?
Replies: 51
Views: 3108

Re: is a 401k loan always terrible?

No, it's not always terrible. I took a 401k loan so I could invest my pre-tax money outside the plan.
by whodidntante
Sun Jan 15, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Out of town mechanic botched fix
Replies: 19
Views: 1576

Re: Out of town mechanic botched fix

You might have a warranty claim on the alternator. Ask the mechanic. The labor will be on you, I suspect.
by whodidntante
Sun Jan 15, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: How High is Your TV?
Replies: 41
Views: 3321

Re: How High is Your TV?

tim1999 wrote:It sits on a cabinet that is maybe 3.5 feet high, if you are sitting on the couch it is generally straight at eye level.


Same.
by whodidntante
Sat Jan 14, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund In T-Bills?
Replies: 4
Views: 302

Re: Emergency Fund In T-Bills?

Most investors should avoid T-bills, because they have access to better alternatives. Bank CDs (direct or brokered), online savings accounts, I-bonds, etc.
by whodidntante
Sat Jan 14, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: Emergency fund of a different kind [funds held outside of US]
Replies: 53
Views: 2136

Re: Emergency fund of a different kind [funds held outside of US]

I don't understand the problem. Open a foreign bank account or 10, and wire money. Buy a CD or a sovereign bond or whatever in the local currency. I know that not every bank will want to deal with you, but with the number of individuals and corporations that have money offshore, it is is possible.
by whodidntante
Sat Jan 14, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: cruise around the world
Replies: 16
Views: 1496

Re: cruise around the world

What's the appeal of being on a boat for that long? Not criticizing, just curious.
by whodidntante
Sat Jan 14, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loan [vs. investing]
Replies: 41
Views: 1874

Re: Auto Loan [vs. investing]

I took a 5 year loan for 40k at 1.89%. I also allow my mortgage at 3.125% to live on. It beats selling stock and paying cap gains tax. Since money is fungible, I've effectively borrowed against my house and my car to buy stock.
by whodidntante
Fri Jan 13, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off HELOC instead of having an EF?
Replies: 11
Views: 700

Re: Pay off HELOC instead of having an EF?

I don't keep much cash by choice. I have a HELOC, a margin credit line, and credit cards.
by whodidntante
Fri Jan 13, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: PSA about Ford Stockholder's Benefit
Replies: 5
Views: 862

PSA about Ford Stockholder's Benefit

I recently took advantage of a Ford shareholder benefit and thought a PSA may be of use. Ford shareholders are able to get X-plan (friends and family) pricing on new Ford vehicles. Here is what you do: Buy 100 shares of Ford (F). Hold the shares for 6 months. Contact investor relations, and ask for ...
by whodidntante
Thu Jan 12, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9105

Re: How much do you typically spend in a restaurant?

I spent $115 for two tonight. Six drinks and a whole hot chicken. YOLO. I eat out for virtually every meal.
by whodidntante
Thu Jan 12, 2017 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Credit report errors
Replies: 16
Views: 707

Re: Credit report errors

Is it BoA? I've heard that some credit card issuers don't report your updates in a way that allows for what you want. It might be easier to get a 1 or 2 more cards, from a different issuer, than to try and beat the bureaus into submission.
by whodidntante
Thu Jan 12, 2017 1:36 am
Forum: Investing - Help with Personal Investments
Topic: Recent Graduate Trying to Retire by 35 and Travel the World
Replies: 9
Views: 1224

Re: Recent Graduate Trying to Retire by 35 and Travel the World

Establish a pattern of investing a good percentage of your income. "Good" depends on your situation. 56k isn't a ton of money, but it's a great start, and it's very likely your income will increase over the years. You would do very well to consistently save 18k a year. Make a budget and se...
by whodidntante
Thu Jan 12, 2017 1:02 am
Forum: Personal Finance (Not Investing)
Topic: Credit report errors
Replies: 16
Views: 707

Re: Credit report errors

Is it a "charge" card or a credit card?
by whodidntante
Thu Jan 12, 2017 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 20
Views: 3286

Re: Get $250 from Wells Fargo

My PSA is that some believe this is a targeted bonus, and will not be paid. That's because the offer states it is exclusive and non-transferable. One person showed what their legitimate targeted offer looks like. I would agree with your research that this smells like a targeted offer. However, it w...
by whodidntante
Wed Jan 11, 2017 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Chasing bank opening rewards
Replies: 6
Views: 661

Re: Chasing bank opening rewards

I've had bank accounts all over town, for the bonus money. It's what I do with my emergency fund money. So far the consequence has been money for nothing. A few banks will hard pull, but an occasional hard pull isn't a big deal, and this can be avoided with a bit of research. Always decline overdraf...
by whodidntante
Wed Jan 11, 2017 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: $600,000. Now what?
Replies: 55
Views: 9926

Re: $600,000. Now what?

I've had four mortgages in my life, and not one of them really cared how much stock I own. The last loan officer I dealt with left my stock assets off the application, something about not wanting any hang-ups with verifying. Maybe she didn't believe me. :P You can borrow against your stocks at reaso...
by whodidntante
Wed Jan 11, 2017 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets Small Cap Value
Replies: 53
Views: 5729

Re: Emerging Markets Small Cap Value

I don't know what will happen with EEMS. It hasn't distributed a capital gain, but it hasn't had much opportunity to distribute one; its share price was never much higher than at inception. I consider my shares of EEMS like a collector's plate. It sits on the shelf being slightly ugly, and maybe it...
by whodidntante
Wed Jan 11, 2017 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets Small Cap Value
Replies: 53
Views: 5729

Re: Emerging Markets Small Cap Value

What about TLTE (FlexShares Morningstar Emerging Markets Factor Tilt Index)? Seems to be constructed similarly to the DFA EM value fund. And as the research you linked to shows... it mostly tilts value (rather than small) which may be a good thing if that research is to be believed. I like TLTE and...
by whodidntante
Wed Jan 11, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 20
Views: 3286

Re: Get $250 from Wells Fargo

When a bank offers me money for (basically) nothing, I accept it, so I researched this bonus today. My PSA is that some believe this is a targeted bonus, and will not be paid. That's because the offer states it is exclusive and non-transferable. One person showed what their legitimate targeted offer...
by whodidntante
Wed Jan 11, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: 2016 Callan Periodic Table of Investment Returns
Replies: 27
Views: 2843

Re: 2016 Callan Periodic Table of Investment Returns

It was a good year for my portfolio.
by whodidntante
Wed Jan 11, 2017 12:38 am
Forum: Investing - Theory, News & General
Topic: A few very basic investing theory questions that have bugged me lately
Replies: 49
Views: 4357

Re: A few very basic investing theory questions that have bugged me lately

3. A company's stock is sometimes referred to as its currency. It can raise capital through net issuance, and it can negotiate deals in exchange for its stock, and can compensate employees with stock to some extent. Also, a high market cap means that activist investors and potential suitors really n...
by whodidntante
Mon Jan 09, 2017 1:34 am
Forum: Investing - Help with Personal Investments
Topic: Quote from The Bogleheads' Guide to Investing on Small Caps
Replies: 11
Views: 1628

Re: Quote from The Bogleheads' Guide to Investing on Small Caps

A small and value tilted portfolio is riskier than a cap weighted portfolio. It's not money for nothing.
by whodidntante
Mon Jan 09, 2017 1:25 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 962
Views: 120580

Re: What's Your Credit Card Rewards Strategy?

Checking account bonuses have gotten me more excited recently.... Wife got $350 in 2 weeks. TV died, so that got a new one. Agreed. I use my emergency fund money to earn bank bonuses. I've got the wheels in motion to earn $1,270 in Q1 2017. I also churn rewards cards, but bank account bonuses are m...
by whodidntante
Mon Jan 09, 2017 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Can you negotiate trading fees with Fidelity?
Replies: 16
Views: 1559

Re: Can you negotiate trading fees with Fidelity?

You can get free trades for adding new money. But that is not their best deal, so don't take it. Take the miles, or the cash.
by whodidntante
Mon Jan 09, 2017 12:25 am
Forum: Personal Consumer Issues
Topic: Is Iphone/Ipad fingerprint signin reasonably secure?
Replies: 54
Views: 3680

Re: Is Iphone/Ipad fingerprint signin reasonably secure?

qwertyjazz wrote:
Marker wrote:What does this have to do with Investing? :oops:


What would happen if someone broke into your account and changed all your funds to active management ones? :twisted:


Or if all your holdings were sold to buy SHLD, fully leveraged?
by whodidntante
Mon Jan 09, 2017 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Discounted Mortgage
Replies: 7
Views: 841

Re: Discounted Mortgage

If I can borrow a million dollars at 2% fixed, I will. Are there any tax consequences of the below market rate loan? Does the rate go up or is the loan callable if you resign?
by whodidntante
Sun Jan 08, 2017 11:59 pm
Forum: Investing - Theory, News & General
Topic: all the debate over tilting away from market-cap weighting
Replies: 27
Views: 2132

Re: all the debate over tilting away from market-cap weighting

in_reality wrote:
Are people reducing their tilts as retirement approaches?



This isn't necessary and it's not the approach I will take. One can hold more fixed income to reduce risk.
by whodidntante
Sun Jan 08, 2017 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park $250K (for 3 to 18 months)?
Replies: 14
Views: 1622

Re: Where to park $250K (for 3 to 18 months)?

You want to own stocks, so own stocks. Buy SPY (the largest S&P 500 ETF) and buy protective puts. If the market moves down, your puts will appreciate, and you can sell them to recover most of your losses in a catastrophic case. Alternatively, you can exercise your options and assign your shares ...

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