Search found 8875 matches

by whodidntante
Sun Sep 27, 2020 9:00 pm
Forum: Forum Issues and Administration
Topic: Forum attains 100,000 members
Replies: 5
Views: 380

Re: Forum attains 100,000 members

That's cool, I guess. r/wallstreetbets is up to 1.5 million members though. :P
by whodidntante
Sun Sep 27, 2020 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Investing and Saving Considerations for Single Guy
Replies: 15
Views: 570

Re: Investing and Saving Considerations for Single Guy

cnblure wrote: Sun Sep 27, 2020 7:35 pm I will also probably remain single. I'm concerned about what to do when I get up there in age, or can no longer take care of myself.
Family is sometimes helpful, sometimes not. If you're really unlucky, your family will take advantage of you. It's disgusting, but I've seen it happen myself.
by whodidntante
Sun Sep 27, 2020 6:27 pm
Forum: Investing - Theory, News & General
Topic: Are we NOW in a bubble?
Replies: 18
Views: 1674

Re: Are we NOW in a bubble?

While stocks are not cheap, valuations are reasonable so long as rates stay low. Show me a 10 year Treasury at 7% though, and both stock and bond investors are going to feel some pain to get there. The fact that everyone knows this can't happen makes me think it can happen.
by whodidntante
Sun Sep 27, 2020 12:07 pm
Forum: Investing - Theory, News & General
Topic: The Economist: The age-old strategy of buying cheap shares is faltering
Replies: 31
Views: 4952

Re: The Economist: The age-old strategy of buying cheap shares is faltering

One factor (wakka wakka) is how weak the economy has been in recent years. There isn't a lot of broad-based success going around, and the middle class and middle America has continued to hollow out. Investors have been bidding up the few stocks with the most remarkable earnings growth. If that grow...
by whodidntante
Sun Sep 27, 2020 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA - Account Closed (Risk Department)
Replies: 26
Views: 5548

Re: Fidelity HSA - Account Closed (Risk Department)

I stumbled across this thread as I was researching the exact same issue. I attempted to transfer my old BCBS HSA account to Fidelity, and after going through all the extensive paperwork, they rejected the account with no explanation. I was quite frustrated when it happened, and probed extensively t...
by whodidntante
Sun Sep 27, 2020 6:58 am
Forum: Personal Consumer Issues
Topic: DIY life style. Typical Boglehead?
Replies: 39
Views: 2811

Re: DIY life style. Typical Boglehead?

I do my own motorcycle, car, bicycle, and home repairs if it's something I can realistically complete in a weekend or less. If it's larger than that, I'll either hire someone to help me, or hire someone to do the job. The issue with hiring people is that it's frequently pretty time consuming to just...
by whodidntante
Sun Sep 27, 2020 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA - Account Closed (Risk Department)
Replies: 26
Views: 5548

Re: Fidelity HSA - Account Closed (Risk Department)

Fidelity pulls EWS (Early Warning System). You have a right to access the report for free. It involves filling out form and sending it in. Pull that report and see if there is something sinister or wrong on it.
by whodidntante
Sun Sep 27, 2020 6:22 am
Forum: Personal Consumer Issues
Topic: Rental car company charged me for toll road I did not use
Replies: 19
Views: 1523

Re: Rental car company charged me for toll road I did not use

123 wrote: Sun Sep 27, 2020 12:02 am I've sometimes made car reservations with Hertz for a day longer than my expected rental in case I had to prolong my trip. I've always ended up just paying for the actual time used instead of the longer original reservation.
Same with Enterprise, National, and Europcar.
by whodidntante
Sun Sep 27, 2020 6:16 am
Forum: Personal Investments
Topic: 401 eliminating some Vanguard funds
Replies: 8
Views: 582

Re: 401 eliminating some Vanguard funds

I would not be concerned about losing access to Vanguard funds, not even if I lost every one. But I would be concerned if your expenses are going up a lot. I don't really know what you mean by spreading your assets around. If you still work for this employer you likely can't take the money out, and ...
by whodidntante
Sun Sep 27, 2020 5:24 am
Forum: Personal Consumer Issues
Topic: Car Battery issues - SHORT Drive due to COVID (Work From Home)
Replies: 48
Views: 2455

Re: Car Battery issues - SHORT Drive due to COVID (Work From Home)

If your health is OK, those are walks, not drives. Or ride a bike if you like. If you insist on driving, put the battery on a battery maintainer which is a charger that shuts off once the battery is fully charged. Connect it from the time you arrive home to the time you leave the next day. Not a tri...
by whodidntante
Sat Sep 26, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: Hiring a Security Guard Agency
Replies: 29
Views: 2154

Re: Hiring a Security Guard Agency

Chuck Norris is still alive. The best or nothing.
by whodidntante
Sat Sep 26, 2020 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey Home Affordability Calculator
Replies: 59
Views: 4450

Re: Dave Ramsey Home Affordability Calculator

Cranberry44 wrote: Sat Sep 26, 2020 6:56 pm
whodidntante wrote: Sat Sep 26, 2020 4:45 pm
whodidntante wrote: Fri Sep 25, 2020 7:36 pm It's not as stringent as the Toons Home Affordability Calculator where once you've paid off the home, you afforded it. :happy
True.
Well, I guess that's better than disagreeing with yourself. :)
LOL. Quoted the wrong post. :oops:
by whodidntante
Sat Sep 26, 2020 7:03 pm
Forum: Investing - Theory, News & General
Topic: The Economist: The age-old strategy of buying cheap shares is faltering
Replies: 31
Views: 4952

Re: The Economist: The age-old strategy of buying cheap shares is faltering

One factor (wakka wakka) is how weak the economy has been in recent years. There isn't a lot of broad-based success going around, and the middle class and middle America has continued to hollow out. Investors have been bidding up the few stocks with the most remarkable earnings growth. If that growt...
by whodidntante
Sat Sep 26, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Oil change disaster
Replies: 45
Views: 3606

Re: Oil change disaster

If you had been driving around with no oil pressure (oil light on) then yes some degree of engine damage likely occurred. But at this point all you know is there was a lot of oil in the engine bay. So the concern there is that oil is destructive to belts and maybe some other materials in the engine ...
by whodidntante
Sat Sep 26, 2020 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey Home Affordability Calculator
Replies: 59
Views: 4450

Re: Dave Ramsey Home Affordability Calculator

It's not as stringent as the Toons Home Affordability Calculator where once you've paid off the home, you afforded it. :happy True. I live in one of the better neighborhoods in a decrepit American city. The residents here take care of their homes and it's noticed when they don't. One of the residen...
by whodidntante
Sat Sep 26, 2020 2:10 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 273
Views: 68727

Re: Interactive Brokers (Best Kept Secret)

If you are looking for good margin rates, you can always try asking at you broker before moving to IB. TD Ameritrade has a published rate of something like 8%, but I asked earlier this summer and they approved me at 2%. Ended up not needing it (was preparing for a temporary large cash purchase). Pr...
by whodidntante
Sat Sep 26, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Pay off auto loan?
Replies: 14
Views: 839

Re: Pay off auto loan?

BrandonBogle wrote: Sat Sep 26, 2020 10:59 am If anything, I’d pay the 4% debt before the 2% one.
Yeah, me too.
by whodidntante
Fri Sep 25, 2020 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey Home Affordability Calculator
Replies: 59
Views: 4450

Re: Dave Ramsey Home Affordability Calculator

It's not as stringent as the Toons Home Affordability Calculator where once you've paid off the home, you afforded it. :happy
by whodidntante
Fri Sep 25, 2020 7:34 pm
Forum: Personal Consumer Issues
Topic: What's your favorite reasonably priced gin?
Replies: 61
Views: 2740

Re: What's your favorite reasonably priced gin?

Tanqueray - I like the look of the bottle :happy and I can't distinguish much of a difference in gins. I toss it in some club soda so I am probably not a real gin drinker. In spite of the accolades of Snoop Dog, I find it a bit juniper overbearing. It's kind of like the IPA beer trend that, thankfu...
by whodidntante
Fri Sep 25, 2020 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Using Margin Loan to Buy House
Replies: 11
Views: 701

Re: Using Margin Loan to Buy House

Glad to see that Morgan Stanley is still pushing cheap margin loans. At least you get some good from their fees. I think borrowing from IB is fine. Since this is a whole lot of money, consider selling an SPX box to borrow at a lower fixed rate for a short term loan on the options market. This has be...
by whodidntante
Fri Sep 25, 2020 1:25 pm
Forum: Personal Investments
Topic: Investing on Margin
Replies: 79
Views: 11959

Re: Investing on Margin

Is it ever a good idea to invest on margin? I know it'd be risky for a single stock, but what about these two scenarios? #1 - Initially invest $100,000 in an S&P 500 index fund (taxable account), leave it for 40 years. #2 - Initially invest $150,000 ($100,000 own money + $50,000 margin) in an index...
by whodidntante
Fri Sep 25, 2020 1:06 pm
Forum: Personal Investments
Topic: Investing on Margin
Replies: 79
Views: 11959

Re: Investing on Margin

As others have pointed out, the margin interest rate is floating, so it will eventually go up. Up until about $10m in borrowing, it is cheaper to buy futures instead of using IB's margin. There are advantages to futures as well. The maintenance margin is lower, so there is a lower chance of a margi...
by whodidntante
Fri Sep 25, 2020 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any investment products can guarantee 2-3% annual return?
Replies: 12
Views: 1278

Re: Is there any investment products can guarantee 2-3% annual return?

Paying down the mortgage? Unfortunately you are constrained by the economy. Interest rates are low. You could also temporarily get that return playing the bank bonus game switching accounts for bonuses. Speaking from a ridiculous amount of experience, you can definitely get more than that continuou...
by whodidntante
Fri Sep 25, 2020 7:51 am
Forum: Personal Finance (Not Investing)
Topic: pay down mortgage selling VBTLX
Replies: 7
Views: 693

Re: pay down mortgage selling VBTLX

Yes, absolutely, do that today. Assuming that it will not empty your treasure room.
by whodidntante
Fri Sep 25, 2020 7:48 am
Forum: Investing - Theory, News & General
Topic: New iShares 25+ Year Treasury ETF
Replies: 19
Views: 1690

Re: New iShares 25+ Year Treasury ETF

One can consider leveraging this into some sort of excellent adventure, though it may become a bogus journey and then you'll have to face the music.
by whodidntante
Fri Sep 25, 2020 7:36 am
Forum: Personal Consumer Issues
Topic: Erasing everything off a computer? Any software?
Replies: 40
Views: 2539

Re: Erasing everything off a computer? Any software?

Software exists that can recover data from hard drives that have been reformatted several times. The only sure way to erase the data is to destroy the hard drive. If the hard drive has been over-written once, the data is unrecoverable for all practical purposes. With any type of full disk encryptio...
by whodidntante
Fri Sep 25, 2020 5:44 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20234
Views: 2762090

Re: U.S. stocks in free fall

When I was a first year law student in the fall of 2008, my torts professor mercilessly blamed the hapless stockbroker in the class every evening: “I lost $200,000 today thanks to you people.” I don't get it. What was a stockbroker doing in your law class? Taking the other side of the trade. :twist...
by whodidntante
Thu Sep 24, 2020 11:30 pm
Forum: Personal Consumer Issues
Topic: Bogleheads knows how many Echo devices I have
Replies: 66
Views: 3073

Re: Bogleheads knows how many Echo devices I have

Maybe Alexa is trolling you.
by whodidntante
Thu Sep 24, 2020 11:28 pm
Forum: Personal Consumer Issues
Topic: Trying to open a checking account for my LLC
Replies: 17
Views: 683

Re: Trying to open a checking account for my LLC

Typically if you open as a sole proprietor, a SSN will do. Otherwise, they might demand to see an EIN. When I registered my business in my beloved, perfectly governed, reasonably priced state, this carried with it the burden of doing quarterly mini-me tax returns. It's not difficult, and they send m...
by whodidntante
Thu Sep 24, 2020 9:13 pm
Forum: Personal Consumer Issues
Topic: Erasing everything off a computer? Any software?
Replies: 40
Views: 2539

Re: Erasing everything off a computer? Any software?

rkhusky wrote: Thu Sep 24, 2020 8:55 pm Or just turn on whole-disk encryption. It's built into Windows. Look for BitLocker.

See: https://www.howtogeek.com/192894/how-to ... n-windows/
MS has made it a bit easy to recover keys for my taste.
by whodidntante
Thu Sep 24, 2020 9:11 pm
Forum: Personal Consumer Issues
Topic: Erasing everything off a computer? Any software?
Replies: 40
Views: 2539

Re: Erasing everything off a computer? Any software?

No need to buy anything. Delete all your data files and empty the recycle bin. Then use the cipher command to securely wipe free space. E.g., to wipe c:, command thusly:

Code: Select all

cipher /w:c:\
If you really need it gone in an a "good luck NSA" kind of way, you want physical destruction.
by whodidntante
Thu Sep 24, 2020 8:58 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 207
Views: 22449

Re: What is your favorite reasonably priced bourbon?

I'm going to define this as $35 bucks and under for 750 ml. Wild Turkey 101 is just good at any price, but one of the cheap ones. An anomaly. Woodford Reserve is an everyday drinker, but not a pinky lifter, purchasable at any gas station so you can keep the trip going (just kidding). I'll drink almo...
by whodidntante
Thu Sep 24, 2020 8:45 pm
Forum: Investing - Theory, News & General
Topic: iShares ETF High Yields?
Replies: 4
Views: 382

Re: iShares ETF High Yields?

Different indexes and Blackrock's securities lending is a college toga party to Vanguard's awkward middle school dance.
by whodidntante
Thu Sep 24, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 80
Views: 5440

Re: Annual oil changes a must? Car maintenance during these times

Find a low risk way to get it done. COVID will still be with us at a point where it would be beyond irresponsible to leave the same oil in your car.
by whodidntante
Thu Sep 24, 2020 3:43 am
Forum: Personal Finance (Not Investing)
Topic: How does brand new credit card get compromised?
Replies: 19
Views: 1772

Re: How does brand new credit card get compromised?

My basic assumption is that Citi is the worst bank in the world, which makes what happens when I deal with them much easier to understand and accept. Is there such a thing as a bank which is not the worst? I had tried looking for a decent bank in my area on Yelp and found that they are equally bad....
by whodidntante
Wed Sep 23, 2020 9:56 pm
Forum: Investing - Theory, News & General
Topic: Increase in Margin Reqs - IB
Replies: 23
Views: 1894

Re: Increase in Margin Reqs - IB

Consequently, to protect IBKR and its customers, IBKR will increase margin requirements by as much as 35% above normal margin requirements leading up to the November U.S. election. To illustrate, consider a Reg. T margin account with stock XYZ having an Initial Margin requirement of 50% and a Maint...
by whodidntante
Wed Sep 23, 2020 9:23 pm
Forum: Personal Consumer Issues
Topic: Planned power outage - any 'must-do's' or 'don'ts'?
Replies: 28
Views: 2036

Re: Planned power outage - any 'must-do's' or 'don'ts'?

If you like your morning showers, take one the night of the outage before you go to bed. If your water heater is electric. A 50+ gallon tub of insulated hot water sort of just stays hot. I've gone on vacations with the hot water shut off (gas in my case) and I came back to hot water. Of course, it'...
by whodidntante
Wed Sep 23, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: Capital One Venture credit card: Is this a good deal?
Replies: 18
Views: 1453

Re: Capital One Venture credit card: Is this a good deal?

If you can get $1,000 in value, it's a great sign up bonus and I would do it, now. However, I can throw a rock and hit a better card for after the sign up bonus has been earned. Capital One will not open accounts for you once get a good churn going. They are as restrictive as Chase, but without the ...
by whodidntante
Wed Sep 23, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: Smoker next door
Replies: 79
Views: 4333

Re: Smoker next door

One possible temporary solution is to time your time outdoors to coincide with when your neighbors are indoors. Not ideal, because you have no control over when they are outside, and you both likely would prefer to be out at the nicest time of day, etc. Even in a detached house with no smokers near...
by whodidntante
Wed Sep 23, 2020 8:54 am
Forum: Investing - Theory, News & General
Topic: So, you want to tilt to growth
Replies: 33
Views: 2747

Re: So, you want to tilt to growth

I sure do love a good mania.
by whodidntante
Tue Sep 22, 2020 11:50 pm
Forum: Investing - Theory, News & General
Topic: Increase in Margin Reqs - IB
Replies: 23
Views: 1894

Re: Increase in Margin Reqs - IB

Interesting that they would dial back the party knob with the VIX still at big whoop levels. If stocks crater, I look forward to speculating on what IB knew and when over at WSB. There must at least two people there with an IB account and the mods there enjoy a good endless speculation as long as yo...
by whodidntante
Tue Sep 22, 2020 10:10 pm
Forum: Personal Consumer Issues
Topic: Attend COVID Wedding?
Replies: 22
Views: 2064

Re: Attend COVID Wedding?

Not worth the risk to pretend COVID is not a thing, IMO. Social distancing and masks work, so attend the faux wedding or attend the real one virtually. Given marriage statistics, maybe you can attend her second wedding in a normal way. :twisted:
by whodidntante
Tue Sep 22, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: How does brand new credit card get compromised?
Replies: 19
Views: 1772

Re: How does brand new credit card get compromised?

My basic assumption is that Citi is the worst bank in the world, which makes what happens when I deal with them much easier to understand and accept.
by whodidntante
Tue Sep 22, 2020 12:25 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on CNBC about new book
Replies: 7
Views: 1429

Re: Larry Swedroe on CNBC about new book

For every share sold, there must be a buyer and a seller. There cannot be a mismatch between shares sold and shares bought. Every day, there will be a bunch of actors who decide it's a good idea to sell some shares. As we learned from the Softbank market manipulation story, even someone buying opti...
by whodidntante
Mon Sep 21, 2020 10:52 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 145
Views: 12906

Re: Is anyone waiting until after the election?

Wow, this doomed to be locked thread has made it to page 3! :twisted:
by whodidntante
Mon Sep 21, 2020 10:03 pm
Forum: Personal Consumer Issues
Topic: Consumer Printer Prices
Replies: 33
Views: 1823

Re: Consumer Printer Prices

I also have a brother laser printer. It was cheap to buy and cheap to operate. I print infrequently, and ink jets simply clog up if you use them like that, and the cost per page is horrible. With a laser printer, I can turn it on after three months, print 50 pages trouble free, and then switch it of...
by whodidntante
Mon Sep 21, 2020 9:27 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on CNBC about new book
Replies: 7
Views: 1429

Re: Larry Swedroe on CNBC about new book

'Alpha disappearing' might be partly explained by continual passive flows taking precedent over company valuation but from what I can gather Swedroe has completely rejected this possibility out of hand. Yeah, I guess it's not intuitive how public markets work. For every share sold, there must be a ...
by whodidntante
Mon Sep 21, 2020 8:04 pm
Forum: Non-US Investing
Topic: Europeans - whats your net worth and age
Replies: 25
Views: 3328

Re: Europeans - whats your net worth and age

You rang the dinner bell for the highest salaries and euro-tech oligarchs to self-report.
by whodidntante
Mon Sep 21, 2020 7:37 pm
Forum: Investing - Theory, News & General
Topic: Doesn't it still make sense to hold bonds in tax advantaged?
Replies: 37
Views: 2683

Re: Doesn't it still make sense to hold bonds in tax advantaged?

There is a lot of talk about the taxation of distributions, which is valid, but kind of misses the forest for the trees. You want your stocks in taxable or Roth accounts because it's not unusual for investors to see capital gains of 100%, 200%, 500% or more over a lifetime. So the worst possible tax...
by whodidntante
Sun Sep 20, 2020 4:07 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 145
Views: 12906

Re: Is anyone waiting until after the election?

For my own money, I'm staying in. I know how to access cheap leverage, and I'll put that knowledge to work if there is a market panic. Can you be specific about this? What are your plans? Absolutely, but not in this thread. I'm also a thread timer and this thread is on short time. :twisted: