Search found 1668 matches

by whodidntante
Wed Jun 21, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: WWYD? Cash in Investment to Pay Off Mortgage Question
Replies: 44
Views: 1516

Re: WWYD? Cash in Investment to Pay Off Mortgage Question

Baby step zero: don't follow Dave Ramsey's advice. Seriously, it is not for you.

I would refi the mortgage and I would max my 401k, Roth IRA, and an HSA. Odds are that you'll be a lot happier with the results 25 years from now.
by whodidntante
Tue Jun 20, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Need to find Loaded Index Funds
Replies: 64
Views: 3338

Re: Need to find Loaded Index Funds

There are several closet index funds to choose from. Passive investing is not clearly better unless it's cheaper. You could buy contrafund advisor class I think, American Funds, or T. Rowe Price funds. But if I could buy a loaded fund with no load I would probably buy AQR long short equity.
by whodidntante
Mon Jun 19, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Why do we need an emergency fund?
Replies: 70
Views: 3950

Re: Why do we need an emergency fund?

The advice to keep an emergency fund doesn't apply to you. Really. It doesn't apply to you. It's good advice for people without enough liquid assets to ride through emergencies in a down market, or those who prefer a more conservative allocation with a large cash position. Some people would rather k...
by whodidntante
Sun Jun 18, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Using FV,PV, and PMT for retirement tracking
Replies: 4
Views: 355

Re: Using FV,PV, and PMT for retirement tracking

A monte carlo analysis would be a bit better, but the model for future returns would be the source of error. That will let you look at the impact of sequence of returns and risk of ruin once you stop accumulating. Historical data would likely be too rosey unless you make an adjustment for the curren...
by whodidntante
Sat Jun 17, 2017 1:53 am
Forum: Personal Finance (Not Investing)
Topic: Better credit card(s) for us?
Replies: 5
Views: 764

Re: Better credit card(s) for us?

Churning and bonuses are something of a hobby for me. The Merrill+ card has a ridiculously good bonus ($1,000 if spent on two $500 plane tickets) with no AF. I don't know if it is still available but I earned this bonus a year ago. The BoA travel rewards card offers the best rewards on everyday spen...
by whodidntante
Sat Jun 17, 2017 1:44 am
Forum: Investing - Help with Personal Investments
Topic: Options for Saving for a First-Home Down Payment
Replies: 25
Views: 1665

Re: Options for Saving for a First-Home Down Payment

Welcome to the forum. I am glad you are here. I always like to see a person get a handle on their life and their finances. If you do the math on any of those investment scenarios, you'll find it doesn't matter much. So pick the one you like. Feel free to ignore this next bit because you didn't ask, ...
by whodidntante
Sat Jun 17, 2017 1:34 am
Forum: Investing - Theory, News & General
Topic: Adding new money to bond funds in rising interest environment
Replies: 28
Views: 1954

Re: Adding new money to bond funds in rising interest environment

My bonds are still overpriced and the yield is low, thank you very much.
by whodidntante
Sat Jun 17, 2017 1:18 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401k to Roth IRA: Earnings can't be rolled over ???
Replies: 12
Views: 795

Re: Roth 401k to Roth IRA: Earnings can't be rolled over ???

It could be that the contributions were after tax contribution, not Roth contributions. If so, the earnings have to go to a traditional IRA.
by whodidntante
Fri Jun 16, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage pay-off?
Replies: 2
Views: 475

Re: Mortgage pay-off?

You are not allowed to borrow against an IRA or take an IRA loan.
by whodidntante
Fri Jun 16, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 93
Views: 8822

Re: Amazon Buys Whole Foods

Does this mean we will order groceries on line and they will show up at the door? That will be true for some, but I, for one, like to select my groceries. I choose the largest bunches of dandelion and dill, greenest of green apples, and cauliflower heads without blemishes. I note what is on sale, a...
by whodidntante
Fri Jun 16, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Debt consolidation loans in Canada
Replies: 3
Views: 222

Re: Debt consolidation loans in Canada

mhalley wrote:Agh, got around to clicking your link, you do not want to put your cc debt into your mortgage. NONONO.


Sometimes it makes a lot of sense to use a mortgage to pay off debt. The terms are generally favorable compared to unsecured debt.
by whodidntante
Fri Jun 16, 2017 12:35 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 421
Views: 53894

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I was browsing this thread and was wondering, for someone new to this, is there a good brokerage to start with that is easy to transfer to (with minimal headache), has a great bonus, and is able to hold admiral shares? I was waiting for the Merrill Edge increased bonuses, but figured I may as well ...
by whodidntante
Thu Jun 15, 2017 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage Money - What to do if not paying off?
Replies: 2
Views: 486

Re: Mortgage Money - What to do if not paying off?

It's your money and you should do what you want. Do you have a good handle on your cash flow? It sounds like you have too much house if you can't make an 80% LTV payment from cash flow on a 20-30 year mortgage. A house tends not to be a great investment (some areas will prove to be an exception look...
by whodidntante
Thu Jun 15, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4269

Re: Dehumidifier woes

I've been fortunate. Two units total in 13 years. Current one is working fine for the moment.
by whodidntante
Thu Jun 15, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Optum is taking over my HSA.
Replies: 20
Views: 3085

Re: Optum is taking over my HSA.

My HSA is getting transferred from HSA Bank to UMB Bank. Got a mailer a couple of days ago. Any suggestions for this provider? I use UMB. They have several low cost index funds for $3/mo. Free transactions. I personally hold vanguard developed markets admiral shares there, because that's what I was...
by whodidntante
Thu Jun 15, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: How riskier are Aaa corporate bonds?
Replies: 10
Views: 924

Re: How riskier are Aaa corporate bonds?

Aaa corporate bonds are, by their rating, less risky than US and UK sovereign debt (both are AA right now). You may not agree with the ratings but that's what they mean. That is not correct. Bonds are rated in groups, so corporates are rated relative to other corporates. You cannot compare a corpor...
by whodidntante
Thu Jun 15, 2017 7:39 am
Forum: Investing - Help with Personal Investments
Topic: ETF spreads
Replies: 7
Views: 508

Re: ETF spreads

I don't know if Schwab buys their own ETFs on public markets, but I do know they don't have to. Any investor can get the shares at NAV if you are buying a creation unit which is typically 50,000 shares.
by whodidntante
Thu Jun 15, 2017 12:00 am
Forum: Personal Finance (Not Investing)
Topic: I'm going to be rich! [Fidelity retirement planner]
Replies: 31
Views: 5188

Re: I'm going to be rich! [Fidelity retirement planner]

If I were you, I'd go on record in support of the tax paying robots. Just in case.
by whodidntante
Wed Jun 14, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard new policies
Replies: 8
Views: 2032

Re: Vanguard new policies

You let Vanguard service your accounts? :shock:
:happy :sharebeer
by whodidntante
Wed Jun 14, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Bought $31K Stocks Today: Am I Mad?
Replies: 32
Views: 3542

Re: Bought $31K Stocks Today: Am I Mad?

I bought twice that this week, and somewhere out there someone bought twice what I bought. So we are reasonable and maybe a bit boring in comparison.
by whodidntante
Wed Jun 14, 2017 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account holdings?
Replies: 13
Views: 784

Re: Taxable account holdings?

Equity index ETFs are tax efficient. But they do distribute dividends, at least in the USA.
by whodidntante
Wed Jun 14, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: The Average Mortgage?
Replies: 15
Views: 1110

Re: The Average Mortgage?

It doesn't mean much unless you have a large collection of holistic data. For example, I saw a survey that Americans aren't saving, and it was based on what they had in a savings account. I have $7 in my savings account because I invest it all into stocks and bonds. So the survey results would be mi...
by whodidntante
Tue Jun 13, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11757

Re: Who takes financial chances and why is this forum so financially conservative?

I have a tendency to take on enormous risk if I think I have an edge, and I like the foot on the other end of the see saw that Bogleheads provides. It's precisely because I don't agree with a lot of the advice here that keeps me interested. I don't think I am able to invest as conservatively as some...
by whodidntante
Tue Jun 13, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: Best windows based laptop
Replies: 24
Views: 1115

Re: Best windows based laptop

Whatever you buy, make sure it has atleast 128gb ssd and atleast 8 gigs of RAM No hard drive laptops. Just don't do it. I agree that for the uses the OP described, these specs are probably the most important, except the OP mentioned a need for space. I have a 1TB SSD, but that would obviously cost ...
by whodidntante
Tue Jun 13, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund: high yield savings account vs. money market fund
Replies: 7
Views: 768

Re: Emergency fund: high yield savings account vs. money market fund

Some people are extremely risk averse and will use a money market fund in their 401k or whatnot. The reason I use a MMF is that I have my checking account at Fidelity, and they will auto-sell the MMF when there is a net debit in my account at the day's end. So I get 0.82% interest for a checking acc...
by whodidntante
Tue Jun 13, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Fisher says Mutual Funds are Risky
Replies: 32
Views: 2249

Re: Fisher says Mutual Funds are Risky

Mutual funds certainly are risky. That's probably why it beats a savings account.
by whodidntante
Tue Jun 13, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Roll-in W2 401k funds into an older defunct solo 401k ?
Replies: 3
Views: 165

Re: Roll-in W2 401k funds into an older defunct solo 401k ?

The solo 401k died with your business though I don't think there is a specific timeline attached to that. So I would say a rollover with that as the target is a bad idea unless you intend to restart the business.
by whodidntante
Tue Jun 13, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 94
Views: 6229

Re: HSAs and "Saving Medical Receipts"

Receipts can fade and become unreadable after a few years, so a durable copy is a good idea. I take pictures and back them up.
by whodidntante
Tue Jun 13, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 18k in Cash?
Replies: 19
Views: 1554

Re: What to do with 18k in Cash?

I wouldn't pay off a 1.25% loan any faster than I have to. Keeping the loan has a positive expectation due to inflation.
by whodidntante
Tue Jun 13, 2017 6:26 pm
Forum: Investing - Theory, News & General
Topic: Excel Macro using Yahoo Finance- not working
Replies: 26
Views: 2773

Re: Excel Macro using Yahoo Finance- not working

Change yahoo.com to verizon.com and it will work again. Just kidding.
by whodidntante
Tue Jun 13, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Lithium ion yard equipment batteries
Replies: 19
Views: 920

Re: Lithium ion yard equipment batteries

In my opinion the disruptive innovation will be universal batteries. Right now, we all recognize we take in on the chin when we need to buy a battery pack. The markup is huge, and you could be out of luck if the company folded or decided it was not profitable to support your obsolete stuff.
by whodidntante
Tue Jun 13, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Lithium ion yard equipment batteries
Replies: 19
Views: 920

Re: Lithium ion yard equipment batteries

strafe wrote:EGO makes the best consumer-grade battery powered lawn equipment on the market right now. You get what you pay for.


Any experience/opinion on the Echo line?
by whodidntante
Tue Jun 13, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Experience with HTTPS Everywhere?
Replies: 10
Views: 820

Re: Experience with HTTPS Everywhere?

I've used it for years. It works fine.
by whodidntante
Tue Jun 13, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Overcharged for tax returns
Replies: 28
Views: 2577

Re: Overcharged for tax returns

It would be fine to explain that the cost was higher than you expected and to ask for a reduction in fees. I wouldn't go into why. You don't know how much time they spent and how much time is reasonable for them in your case, so there is no sense arguing those points. Some people understandably get ...
by whodidntante
Tue Jun 13, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: New Fidelity Offerings - Sustainability Index Funds
Replies: 2
Views: 409

Re: New Fidelity Offerings - Sustainability Index Funds

Thanks for the PSA. I'm holding out for a sin fund. :happy
by whodidntante
Tue Jun 13, 2017 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Replies: 67
Views: 5603

Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?

You might have been better off answering the question differently, because their is asymmetric information now and the employer has the better end. But it probably was not the gigantic reveal that you might think. If the person was sufficiently senior, they know the salary range and reasonable salar...
by whodidntante
Mon Jun 12, 2017 10:59 pm
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 64
Views: 4616

Re: Favorite Feature of Vanguard Website?

It takes me way, way back to the day when I was excited to get e-mail.
by whodidntante
Mon Jun 12, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets fund: DFEMX vs DFEVX vs FPMAX
Replies: 8
Views: 558

Re: Emerging markets fund: DFEMX vs DFEVX vs FPMAX

I overweight EM and almost all of it is in DFEVX. Value works well for EM and DFEVX has significant small exposure as well. DFEVX has a cap on single country exposure which mainly serves to limit your exposure to China. DFA also uses a negative momentum filter and patient trading. Overall, I think t...
by whodidntante
Mon Jun 12, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Use HELOC for tax benefit?
Replies: 10
Views: 950

Re: Use HELOC for tax benefit?

Like the above poster I am in doubt that you are eligible. I would be willing to draw on my HELOC to make pretax retirement plan contributions. I don't know enough about you to suggest that you do the same. It sounds like you are already financially stressed and if so, skip it.
by whodidntante
Sun Jun 11, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: Any advice on buying headstone for a grave?
Replies: 22
Views: 1577

Re: Any advice on buying headstone for a grave?

This probably doesn't apply to you, but in my area, the metal grave markers have largely been "stolen" and probably sold as recyclables. There was recently a case where a young woman's grave was repeatedly robbed. Nothing that was stolen was particularly valuable; it was solar lights and ...
by whodidntante
Sun Jun 11, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: uva/uvb clothing
Replies: 12
Views: 833

Re: uva/uvb clothing

It could be that some of your existing clothing is suitable. Some cotton shirts are thicker or more dense than others. A crude test for opacity is to hold it up to the light while gently stretched.
by whodidntante
Sun Jun 11, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 34
Views: 1818

Re: House softener system

I would go with a conventional water softener. They are solid, reliable, inexpensive, and they do the job. Adding salt every month is the only time I go to the basement, so it's good to see if a critter has moved in down there.
by whodidntante
Sun Jun 11, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your Savings?
Replies: 24
Views: 3196

Re: Where do you keep your Savings?

The short answer is "in my portfolio." My taxable accounts consist of equity index ETFs. Bonds are in tax deferred. I pay normal bills from cash flow. I sell stocks in a tax efficient way when I need more than that, for example, if I need to replace my roof. Then sell bonds in tax deferred...
by whodidntante
Sun Jun 11, 2017 2:46 pm
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 11782

Re: Bogle Doubles Down on US Index Funds

Discussions where we try to reach consensus on preferences are not fruitful.
by whodidntante
Sun Jun 11, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Goldman Sachs bank now blocking online access from overseas
Replies: 9
Views: 823

Re: Goldman Sachs bank now blocking online access from overseas

They can also block access from VPNs if they are so inclined. Netflix has done that. If you plan to remain overseas, I wouldn't keep a significant amount of money with GS bank.
by whodidntante
Sat Jun 10, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Let.s get serious here [need bond fund]
Replies: 12
Views: 2685

Re: Let.s get serious here !!!!!!!!!!!!!!!!!!!!!!!!!!!!

badbreath wrote:Its very hard to respond to a badly worded post


The OP wants a recommendation for a bond fund in a taxable account for someone paying 15% marginal tax. Maybe.
by whodidntante
Sat Jun 10, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2095

Re: Naming boat

Money Pit
by whodidntante
Sat Jun 10, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Overpaid Big Time On Warranty
Replies: 55
Views: 2716

Re: Overpaid Big Time On Warranty

JustGotScammed wrote:
jabberwockOG wrote:A 72 month car loan? Seriously? ...arghhh.


If the financing is zero percent, I thought it would be wise to stretch it out.


It will improve your cash flow and there is no mathematical justification for paying off a 0% loan on a shorter term unless there is deflation.
by whodidntante
Sat Jun 10, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 75
Views: 4870

Re: AAA Cost

I have roadside assistance through Ford right now. Before that, I had it through my insurance company (Farmers). It was much cheaper than AAA.

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