Search found 2300 matches

by whodidntante
Mon Dec 11, 2017 3:08 am
Forum: Investing - Theory, News & General
Topic: Just not getting it
Replies: 60
Views: 5798

Re: Just not getting it

You can certainly outperform an index fund. Simply take more risk, and get lucky.
by whodidntante
Mon Dec 11, 2017 12:04 am
Forum: Investing - Theory, News & General
Topic: investing in taxable accounts
Replies: 10
Views: 1392

Re: investing in taxable accounts

I'm not taking RMDs but I'll answer anyway because RMDs are irrelevant. In taxable I have nothing but equity index ETFs.
by whodidntante
Sun Dec 10, 2017 10:05 pm
Forum: Investing - Theory, News & General
Topic: Is there an "expense war" going on between fund companies?
Replies: 3
Views: 561

Re: Is there an "expense war" going on between fund companies?

I believe there will be a 0% ER fund offered in the US in the near future. If you consider securities lending revenue, or funds that only pass through expenses charged by underlying holdings, it already exists.
by whodidntante
Sun Dec 10, 2017 8:43 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 3417

Re: Buying index funds is just as speculative as buying Bitcoin

This thread is probably confirmation of something. How can one sell short Bitcoin? Sell the bitcoin future on the CBOE which just started trading a couple of hours ago, Ticker: XBT https://www.cnbc.com/quotes/?symbol=%40XBT.1 Interactive brokers announced you can't short Bitcoin futures there. http...
by whodidntante
Sun Dec 10, 2017 6:53 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 3417

Re: Buying index funds is just as speculative as buying Bitcoin

Vulcan wrote:
Sun Dec 10, 2017 6:42 pm
How is bitcoin different from hundreds of other available crypto currencies?
Critical mass, availability of exchanges, and "brand recognition" for lack of a better term. Sort of like how you'd recognize and want a 100 US dollar bill.
by whodidntante
Sun Dec 10, 2017 6:49 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 3417

Re: Buying index funds is just as speculative as buying Bitcoin

You forgot the Bitcoin argument about global fiat currencies collapsing. And I don't mean that as a slight. It could happen, and in some areas, it has already. Also, we could have a disruptive innovation that makes money obsolete. Like replicators on Star Trek. I'll hedge my bets by buying my specul...
by whodidntante
Sun Dec 10, 2017 3:08 pm
Forum: Investing - Theory, News & General
Topic: Do DFA Funds have lower trading costs than Index Funds?
Replies: 25
Views: 794

Re: Do DFA Funds have lower trading costs than Index Funds?

Yes, DFA's approach does help when trading small, illiquid securities. There are a lot of them and taken together they comprise about 5% of the market, and a lot of them don't really trade all that well. So a mandate to track an index isn't helpful. Small, micro, and some EM stocks will benefit from...
by whodidntante
Sat Dec 09, 2017 11:35 pm
Forum: Investing - Theory, News & General
Topic: TSM vs High Dividend Yield if I never choose to sell?
Replies: 36
Views: 2015

Re: TSM vs High Dividend Yield if I never choose to sell?

You're not the only one who has hangups about selling their investments, but preferring dividends as a forced distribution so you never have to push the sell button is irrational. It would be better to face that irrational behavior and hopefully to conquer it.
by whodidntante
Sat Dec 09, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Do you have any guilty pleasure investments?
Replies: 49
Views: 2425

Re: Do you have any guilty pleasure investments?

It seems that there is a greater unmet demand for puts and puts sometimes come with a nice premium. I've occasionally sold a put for something I might rebalance into during a decline anyway. It's like declaring your commitment to buy at a certain price, and getting a check for making the commitment....
by whodidntante
Sat Dec 09, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 229
Views: 31289

Re: 2017 hedge fund contest

Shareholders apparently don't like responsibly raised burrito meat.
by whodidntante
Sat Dec 09, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Downgrading Chase Sapphire Preferred
Replies: 15
Views: 948

Re: Downgrading Chase Sapphire Preferred

See point #7.
https://www.doctorofcredit.com/18-thing ... out-chase/

I've gotten the fee refunded for another Chase card and I keep the account open. I put a lot of spending on that card (27k this year, 25-40k in past years), which might help.
by whodidntante
Sat Dec 09, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Loan
Replies: 6
Views: 324

Re: Consumer Loa

A 0% loan is a profitable investment in itself. The reason is, you get money today, and you pay it back with inflated dollars. Most of the time the USA is experiencing inflation. There is also the opportunity cost in handing over the money today. If you're loss averse, you might want to park the mon...
by whodidntante
Sat Dec 09, 2017 1:22 am
Forum: Investing - Theory, News & General
Topic: Are Bonds ever better than a Fund?
Replies: 10
Views: 1043

Re: Are Bonds ever better than a Fund?

Treasuries and TIPS are almost [credit] riskless and very liquid. So if you have the time and like bond trading, you could roll your own treasury bond fund and it would be fine. But if you're going to go to that trouble, you might want to buy CDs instead. You'll get better return if you are any good...
by whodidntante
Thu Dec 07, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: 4WD necessary/recommended on Big Island, HI
Replies: 34
Views: 1920

Re: 4WD necessary/recommended on Big Island, HI

I rented an off road vehicle but it depends on your plans. And nothing is really an off road vehicle in the sense that a Jeep Wrangler is.
by whodidntante
Thu Dec 07, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 42
Views: 1843

Re: Fuel Additives for 2017 Toyota Camry

When you read the owner's manual, what did it say?
by whodidntante
Wed Dec 06, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4760

Re: I received a speeding ticket via mail from IA - should I pay it?

Pay the ticket. For bonus fun, try paying a foreign ticket written out in a language you do not understand payable to a country that does not use checks.
by whodidntante
Wed Dec 06, 2017 11:47 pm
Forum: Personal Consumer Issues
Topic: A Trip to Russia
Replies: 71
Views: 3381

Re: A Trip to Russia

I'm amused at the volume of warnings in this thread. I've been to poorer countries, ventured out on my own, and I had a great time. Buy the ticket, take the ride. I hope to visit Russia someday myself.
by whodidntante
Wed Dec 06, 2017 11:43 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 140
Views: 7346

Re: Do people still use AAA?

I guess the bigger question is whether anyone can cancel AAA. I called to cancel, they acknowledged after some resistance. I haven't paid them in years and they keep sending me membership cards.
by whodidntante
Wed Dec 06, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 54
Views: 19595

Re: Fidelity charges to close accounts!

Most of the long-established, customer-focused brokers will refund the fee if you transfer assets there. I heard there is one broker in Pennsylvania who won't. But they have only been around since 1975 or so.
by whodidntante
Wed Dec 06, 2017 1:57 am
Forum: Personal Consumer Issues
Topic: Disputing a charge against an auto repair shop, should I give them another chance to make it right?
Replies: 17
Views: 1566

Re: Disputing a charge against an auto repair shop, should I give them another chance to make it right?

When working on a car sometimes there will be damage and that's just part of the job. It's not necessarily malice or incompetence. The problem is they didn't tell you they damaged it, and did not negotiate an equitable deal with you. Regardless I think you should be willing to share in the costs of...
by whodidntante
Wed Dec 06, 2017 1:10 am
Forum: Personal Consumer Issues
Topic: Disputing a charge against an auto repair shop, should I give them another chance to make it right?
Replies: 17
Views: 1566

Re: Disputing a charge against an auto repair shop, should I give them another chance to make it right?

When working on a car sometimes there will be damage and that's just part of the job. It's not necessarily malice or incompetence. The problem is they didn't tell you they damaged it, and did not negotiate an equitable deal with you. Regardless I think you should be willing to share in the costs of ...
by whodidntante
Wed Dec 06, 2017 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Making Best Use of Being in 15% Income Tax Bracket This Year
Replies: 20
Views: 2504

Re: Making Best Use of Being in 15% Income Tax Bracket This Year

I am in a similar boat, could someone explain both of these in more detail - capital gain harvest and Roth conversion. Thanks Cap gain harvest means you sell and realize the gain, then reinvest. The timing is the key thing. At the OP's 15% marginal rate, no LTCG tax is owed. Roth conversion refers ...
by whodidntante
Wed Dec 06, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Forced changes in factor tilts due to new 401k provider
Replies: 0
Views: 161

Forced changes in factor tilts due to new 401k provider

I affectionately refer to my current 401k as a boat anchor, but it does have one fund I truly value (wakka wakka). DFEVX DFA Emerging Markets Value Portfolio Institutional Class. This fund is fantastic and it's my single largest holding of any fund, about 20% of my total portfolio. But alas that is ...
by whodidntante
Tue Dec 05, 2017 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Safe place to move cash for better return
Replies: 4
Views: 1043

Re: Safe place to move cash for better return

IF you have a 401k AND that 401k has a stable value fund, you could buy that and then buy whatever you want in the taxable and IRA accounts. Your exposure would net out and you would have both safety and liquidity assuming no trading restrictions. You might also save some tax. https://www.bogleheads...
by whodidntante
Tue Dec 05, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: CBOE to launch bitcoin futures trading on Dec 10, 2017
Replies: 12
Views: 801

Re: CBOE to launch bitcoin futures trading on Dec 10, 2017

not sure if this has been posted (looked for it and didn't see it posted, hard to believe). feel free to merge or delete if it's already been posted. The CBOE is launching bitcoin futures market on Dec 10th (link below). So for those of you who don't want to buy or sell bitcoin, you can instead bet...
by whodidntante
Tue Dec 05, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 54
Views: 4519

Re: Dad Needs Help Buying Wedding Liquor

With a five hour open bar, it doesn't matter what it tastes like.
by whodidntante
Tue Dec 05, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Paying taxes with credit card?
Replies: 28
Views: 2590

Re: Paying taxes with credit card?

Do you guys pay your taxes with credit card? I see there is about a 1.87% fee with paying taxes with credit card, but some credit cards have a 2% reward percentage (so you would earn 0.13%). Is there a good card to pay taxes with since the credit card fees seem to be pretty low compared with cash b...
by whodidntante
Tue Dec 05, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Paying taxes with credit card?
Replies: 28
Views: 2590

Re: Paying taxes with credit card?

I don't know how this became an Amazon gift card thread. 5% is OK but you can get that, nearly that, or better. Chase Freedom and other credit cards have rotating 5% categories and you can use that buy Amazon gift cards. Chase Pay also has been doing 10% off promotions lately that can be applied for...
by whodidntante
Mon Dec 04, 2017 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: How does non-US BH invest?
Replies: 9
Views: 708

Re: How does non-US BH invest?

Boglemania is about keeping costs low, diversification, and if possible, passive. You can do that just about anywhere, though not anywhere.
by whodidntante
Mon Dec 04, 2017 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: How does non-US BH invest?
Replies: 9
Views: 708

Re: How does non-US BH invest?

Currently living in France, and I am investing in the US through TD Ameritrade. Why ? Because the EUR is bound to explode and you have much cheaper funds in the US compared to in Europe. There are very smart people with fancy educations who reckon the Euro will be just fine. Have you told them they...
by whodidntante
Mon Dec 04, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: How much do you need to drive a car to keep battery charged and everything else OK?
Replies: 36
Views: 2703

Re: How much do you need to drive a car to keep battery charged and everything else OK?

Do NOT buy a trickle charger. Those are brain dead and will happily overcharge a battery. Buy a maintenance charger.
by whodidntante
Mon Dec 04, 2017 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Ever seen a 401k with so few options?
Replies: 13
Views: 984

Re: Ever seen a 401k with so few options?

Some people who design 401k plans think that options will confuse you.
by whodidntante
Mon Dec 04, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Europe Suggestions
Replies: 44
Views: 2700

Re: Europe Suggestions

I thought Prague was beautiful. It is one of the few cities that wasn't significantly damaged during the war, despite much torch passing being under German occupation then Russian rule then independence. I mean this as a cultural comment not a religious one, but there is a rich history there of the ...
by whodidntante
Mon Dec 04, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Trip to Los Cabos - do I need to have Pesos?
Replies: 12
Views: 1195

Re: Trip to Los Cabos - do I need to have Pesos?

In foreign countries that take your foreign American currency, they generally expect a fat premium because they know you'll pay it.
by whodidntante
Mon Dec 04, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: Dollar Store Hacks
Replies: 27
Views: 4248

Re: Dollar Store Hacks

My approach is even easier. Just leave the door open. LOL
by whodidntante
Mon Dec 04, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Vegas on a budget
Replies: 49
Views: 3570

Re: Vegas on a budget

If you want to burn diesel, I like "Fatburger" between the Bellagio and the Grand. It's an easy walk. The Heart Attack Grill downtown is gimmicky, but good for a laugh.
by whodidntante
Sun Dec 03, 2017 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mutual Funds or alternates that don't force income
Replies: 10
Views: 1055

Re: Mutual Funds or alternates that don't force income

IJT S&P SMALL CAP 600 GROWTH ETF has an SEC yield of 0.87%.
by whodidntante
Sun Dec 03, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5648

Re: It's that time of year again... buying christmas gifts

I'm cognizant that the holidays will come each year and who will be getting something from me, and the broad strokes of what they might want. Then I monitor for deals throughout the year. When I see something promising, I buy it, usually for 50% or less of what I might pay if I wait until December. ...
by whodidntante
Sun Dec 03, 2017 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Bond choices in multiple 401(k) accounts
Replies: 12
Views: 801

Re: Bond choices in multiple 401(k) accounts

I would either keep the old 401k or roll it over to an IRA. I would do the latter, unless that would prevent you from doing a backdoor Roth IRA.
by whodidntante
Sun Dec 03, 2017 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Bond choices in multiple 401(k) accounts
Replies: 12
Views: 801

Re: Bond choices in multiple 401(k) accounts

PFInterest wrote:
Sun Dec 03, 2017 10:41 pm
whats wrong with vang int term?
Nothing is wrong with it if you want to hold exclusively intermediate term treasuries (I don't).
by whodidntante
Sun Dec 03, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: 208 Volt 3 phase
Replies: 13
Views: 1240

Re: 208 Volt 3 phase

I guess the real question is whether you paid in Bitcoin.
by whodidntante
Sun Dec 03, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Just downsized at age 60...input appreciated
Replies: 29
Views: 3528

Re: Just downsized at age 60...input appreciated

Anyone who can successfully market time does not need to earn 1% on your money.
by whodidntante
Sun Dec 03, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6535

Re: How to convince DW that high miles used car is OK

15 years ago I needed a large car but I had other things to spend my money on. I bought a Lincoln town car with 90k miles from the heir of the person who bought it new. It was so cheap that I had enough cash in my house and counted $100 bills out to buy it. Those cars are built like a tank and can ...
by whodidntante
Sun Dec 03, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6535

Re: How to convince DW that high miles used car is OK

15 years ago I needed a large car but I had other things to spend my money on. I bought a Lincoln town car with 90k miles from the heir of the person who bought it new. It was so cheap that I had enough cash in my house and counted $100 bills out to buy it. Those cars are built like a tank and can b...
by whodidntante
Sun Dec 03, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Card declined - blocked country
Replies: 49
Views: 3141

Re: Card declined - blocked country

It is the credit card company's right to do this, just like it is your right to get a new credit card company. When travelling I always bring credit cards from different issuers 3+ and ATM cards from different issuers 3+. I'm not a million miler but I do travel internationally a few times a year. Th...
by whodidntante
Sun Dec 03, 2017 1:01 am
Forum: Investing - Theory, News & General
Topic: Podcasts for Bogleheads?
Replies: 14
Views: 2032

Re: Podcasts for Bogleheads?

Here are some business/finance podcasts I enjoy. All are available for free on Stitcher. The Meb Faber Show The Pitch (like Shark Tank) Freakonomics Radio Paul Merriman HBR Ideacast Motley Fool Money (it's not just garbage stock ideas) We Study Billionaires aka The Investor's Podcast Mad Money (this...
by whodidntante
Sat Dec 02, 2017 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you save during the year for your next backdoor.. ?
Replies: 10
Views: 807

Re: Where do you save during the year for your next backdoor.. ?

You might be overthinking this. Trying to create buckets for every purpose and guarantee safety for this bucket but not that one generally leads to that. I put it in equity index etfs, same as my other taxable investments, because that's what I do with investable money that didn't go to a tax advan...
by whodidntante
Sat Dec 02, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you save during the year for your next backdoor.. ?
Replies: 10
Views: 807

Re: Where do you save during the year for your next backdoor.. ?

You might be overthinking this. Trying to create buckets for every purpose and guarantee safety for this bucket but not that one generally leads to that. I put it in equity index etfs, same as my other taxable investments, because that's what I do with investable money that didn't go to a tax advant...
by whodidntante
Sat Dec 02, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 5107

Re: How do I convince my employees to invest more?

I own a small business with 15 employees, most of them earning between $40K and $60K per year. I offer them a Simple-IRA with a 100% match up to 3% of their salary. The problem is that hardly any of them participate. Last year I only matched $6,300, up from $4,483 the year before. 40-60k is not exa...