Search found 3292 matches

by whodidntante
Tue May 22, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: will the SP500 double in 7 years?
Replies: 93
Views: 9526

Re: will the SP500 double in 7 years?

The real question is, will the S&P 500 double in 7 years?
by whodidntante
Mon May 21, 2018 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 127
Views: 7322

Re: Dave Ramsey it or keep low interest debt

In my opinion, a person with an annual income north of $100k should never owe money on an automobile. If you can't write a check for it, then you can't afford to buy it. Mortgage debt is the only acceptable debt for me. It's useful to separate being able to "afford" something versus the decision to...
by whodidntante
Mon May 21, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: 20 vs 30 years mortgage
Replies: 4
Views: 513

Re: 20 vs 30 years mortgage

A lot of times the outcome of a mortgage is that you'll refi or sell in 7 years or so. So I would go for the lower rate, and I would not pay points. I personally like to get a 15 year mortgage for an even lower rate, but then I don't prepay principal at all. I think 15 years is plenty fast to pay of...
by whodidntante
Mon May 21, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: Do bonds make sense if you are more than 10 years from retirement?
Replies: 11
Views: 1220

Re: Do bonds make sense if you are more than 10 years from retirement?

One reason it might make sense is going to the well a bit early than planned. A lot of folks have long bouts of unemployment. Even if you are really, really awesome and everyone agrees and wants to hire you, you might get too sick to work.
by whodidntante
Mon May 21, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: Blackrock lowered fees for ESG index ETFs
Replies: 3
Views: 353

Re: Blackrock lowered fees for ESG index ETFs

That's good. Any news on their EVIL ETFs? :twisted:
by whodidntante
Mon May 21, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 46
Views: 5884

Re: Chase Savings Account emptied out!

unclescrooge wrote:
Mon May 21, 2018 2:24 pm
It's a savings account and I've never disclosed this information to anyone. How could they have gotten it?
Dumpster diving, stolen mail, hacking, phishing, social engineering, luck, or an inside job.
by whodidntante
Mon May 21, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 46
Views: 5884

Re: Chase Savings Account emptied out!

I don't understand why banks don't send you an email that says "Please log in to confirm/deny new electronic transfer" when an ACH request comes in from a new source. Because the financial world would come to a stop. Literally tens if not hundreds of millions of transactions every day. Cheers I thi...
by whodidntante
Sun May 20, 2018 9:53 pm
Forum: Investing - Theory, News & General
Topic: Roll your own index fund current viability
Replies: 22
Views: 1368

Re: Roll your own index fund current viability

We peons can access securities lending at several brokers now. IB, Schwab, E*trade, and others offer it. You could accumulate your positions at a no commission broker and then transfer shares over if you like. I remember one poster here was doing his/her own emerging markets factor fund here. You co...
by whodidntante
Sun May 20, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: Does your value fund own the wrong value stocks?
Replies: 24
Views: 2407

Re: Does your value fund own the wrong value stocks?

Due to limited options in my 401k, I have a large position in DFFVX US Targeted Value Portfolio. DFA believes that price to book is a useful definition of value, but when we read the prospectus we find that: The Advisor may adjust the representation in the U.S. Targeted Value Portfolio of an eligibl...
by whodidntante
Sun May 20, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 85
Views: 8248

Re: done with Gmail

I have to guess what you mean because it was not very clear. But I find that using labels and periodically nuking everything with certain labels keeps my inbox manageable.
by whodidntante
Sat May 19, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Investments that are unique *and* sensible?
Replies: 12
Views: 1301

Re: Investments that are unique *and* sensible?

TSP G fund, TIAA traditional. Also several alternatives funds, but I don't want to argue about whether those are sensible for 120 posts. :twisted:
by whodidntante
Sat May 19, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: SWPPX vs Vanguard Institutional 500 Index TRUST
Replies: 6
Views: 431

Re: SWPPX vs Vanguard Institutional 500 Index TRUST

BaylorBears wrote:
Sat May 19, 2018 2:54 pm
My employer recently swapped our 401k VIIIX which pays a dividend for "Vanguard Institutional 500 Index TRUST" which DOES NOT pay a dividend.

Personally, I prefer to receive a dividend and know it doesn't necessarily matter
It doesn't matter at all.
by whodidntante
Sat May 19, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 5073

Re: Finance a $28,000 house for Brother?

Usually people who are not able to get a mortgage rent an apartment.
by whodidntante
Sat May 19, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Insurance or Betterment
Replies: 3
Views: 321

Re: Insurance or Betterment

I wouldn't do either of those. It's really easy to tax loss harvest, and not worth paying an ongoing fee for. Equity index ETFs are really tax efficient since you get qualified dividends and foreign tax credit, and you'll be able to defer any capital gains until you need the money. You can also sell...
by whodidntante
Sat May 19, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 22
Views: 1211

Re: Fidelity CMA + MMF vs. online credit union

Does option 2 get really cumbersome during tax time to figure out all the cost basis with all the buys and sells? They'll send a consolidated 1099 like Vanguard does so you only report one number, but if you're concerned you can minimize it by using the "maintain minimum balance" option in the cash...
by whodidntante
Sat May 19, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 22
Views: 1211

Re: Fidelity CMA + MMF vs. online credit union

arf30 wrote:
Thu May 17, 2018 12:10 pm
1-2 days, but I've read conflicting reports on this forum, I think it might vary by the source bank.
3-4 business days for me. I pull from multiple banks. Maybe I make Fidelity nervous? :P
by whodidntante
Sat May 19, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 76
Views: 9346

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

Bonds are a terrible investment compared to stocks is his point. It's an expected return argument and he's right about that. Many bogleheads own bonds but I don't see anyone arguing that bonds have higher expected returns than stocks right now.
by whodidntante
Sat May 19, 2018 1:12 am
Forum: Investing - Theory, News & General
Topic: Should I invest in a hedge fund?
Replies: 3
Views: 879

Re: Should I invest in a hedge fund?

The frequent comparisons to the S&P 500 are nonsense to me. The problem with hedge funds is they do not hedge enough, or do anything useful in a portfolio to justify their (usually) high fees. AQR has products that some will find to be worth the cost, and you can buy some of their funds for a modest...
by whodidntante
Fri May 18, 2018 11:06 pm
Forum: Investing - Theory, News & General
Topic: Bond Yields and Federal Funds Rate
Replies: 27
Views: 2169

Re: Bond Yields and Federal Funds Rate

Useful analysis as always.
by whodidntante
Fri May 18, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Home Loan from Parents
Replies: 23
Views: 1809

Re: Home Loan from Parents

If it's truly an equitable deal then it might be OK and might not end in resentment. I would pay a full market interest rate that you would almost certainly get from a lender who would actually loan you the money if you applied. Do they want to own a 15 year secured note at 4% (or whatever)? If not,...
by whodidntante
Fri May 18, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 127
Views: 7322

Re: Dave Ramsey it or keep low interest debt

I would keep the low interest debt, and lose the Dave Ramsey.
by whodidntante
Fri May 18, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Cash instead of bonds for 3-fund
Replies: 22
Views: 1987

Re: Cash instead of bonds for 3-fund

My stable value fund allocation has covered most of my losses in TBM, at least on a nominal basis.
by whodidntante
Fri May 18, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Long term investment in grains/wheat
Replies: 22
Views: 1300

Re: Long term investment in grains/wheat

You can get direct exposure by buying and rolling a futures contract. There isn't anything you can buy and hold for 15 years that provides direct exposure.
by whodidntante
Thu May 17, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4293

Re: New motorcycle rider

https://s31.postimg.cc/rtu36jdgr/dangerdoom.jpg It's an interesting phenomenon that older people tend to perceive the world as much more dangerous than in the past. But in many cases, it's just not true. If you'd like to bowl for confirmation bias, here's the source I used. http://www.iihs.org/iihs...
by whodidntante
Thu May 17, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Confusion on my Expense Ratio
Replies: 2
Views: 265

Re: Confusion on my Expense Ratio

You have to get fee information specific to your plan. Some people pay a lot for vanguard index funds. The information you find on Morningstar is irrelevant. There may be quarterly fees and service fees in addition to the ERs.
by whodidntante
Thu May 17, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4293

Re: New motorcycle rider

I started riding at 50. All the above post have good advice. When I was considering to start riding a law officer who had seen plenty of accidents tried to talk me out of it. She only supported me when I told her I would only do group rides. The increased visibility of being in a group of motorcycl...
by whodidntante
Thu May 17, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4293

Re: New motorcycle rider

Sorry I was away for a while. I was busy commuting on my motorcycle in an urban environment with distracted drivers. Before letting all the nervous Nellies talk you out of your motorcycle, consider that this is a website where 20 year olds are told they need bonds. Risk aversion is rampant here. Be...
by whodidntante
Wed May 16, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: any disadvantages to using Delta Skymiles for fare?
Replies: 18
Views: 1233

Re: any disadvantages to using Delta Skymiles for fare?

Anyway, any downsides? I'm not sure how it would work with an international flight if you got bumped with a ticket that you bought with miles but that might be different. Unless you have something else that you might use the miles on in the near future I would tend to use them sooner rather than la...
by whodidntante
Wed May 16, 2018 10:13 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Value Premium Lives!
Replies: 39
Views: 2805

Re: Factor investing with one fund.

Taylor Larimore wrote:
Wed May 16, 2018 9:57 pm
Total Stock Market Index Fund includes all U.S. stock factors in one fund.
Thanks for your contribution to my value factor disinformation campaign. :twisted:
by whodidntante
Wed May 16, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage decision killing me
Replies: 52
Views: 6443

Re: Mortgage decision killing me

I'm curious why the 15 year and 30 year notes are so close in rate.
by whodidntante
Wed May 16, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: any disadvantages to using Delta Skymiles for fare?
Replies: 18
Views: 1233

Re: any disadvantages to using Delta Skymiles for fare?

I use my miles to buy tickets for companions and pay cash for my own, so I can qualify for higher tiers of status. If you rarely fly this will not be important to you.

Some airlines have restrictions on award tickets, like you cannot buy up to first class or whatever. Probably not an issue.
by whodidntante
Wed May 16, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4293

Re: New motorcycle rider

motorcyclesarecool wrote:
Fri Jun 26, 1970 11:20 am
Or, if you can document a safe ride of 1,000 miles in 24 hours, you can join the IBA
http://ironbutt.com/rides/ss1000.htm
I have done that. I did not know I was due an award, LOL.
by whodidntante
Wed May 16, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: Microcap Stock Screener
Replies: 15
Views: 921

Re: Microcap Stock Screener

Rick Ferri wrote:
Wed May 16, 2018 4:47 pm
Eric,

My response:

Total Stock Market Index Fund

and forgetaboutit.
Or you can sell S&P 500 futures and load up on microcaps for a nice loading on size. :wink:
by whodidntante
Wed May 16, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Lower cost but similar alternatives to these American Funds in my Roth IRA?
Replies: 9
Views: 425

Re: Lower cost but similar alternatives to these American Funds in my Roth IRA?

I think American Funds has a penchant for growth stocks. There are a lot of growth stock funds available, including some passive ones. There might not be any passive international growth funds because growth stocks tend to lag over time. I would sell it all and replace it with low cost passive optio...
by whodidntante
Wed May 16, 2018 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: TDAmeritrade - Free Trades - ?How To?
Replies: 12
Views: 638

Re: TDAmeritrade - Free Trades - ?How To?

I said "grumble grumble you changed the commission free ETF list, can I have 10 free trades?" I got a reply that said, "yes, absolutely! Here are 10 free trades!"
by whodidntante
Wed May 16, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Etrading
Replies: 7
Views: 481

Re: Etrading

I have a good friend at Interactive Brokers. She does not recommend calling. So you should use them for e-trading.
by whodidntante
Wed May 16, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Value Premium Lives!
Replies: 39
Views: 2805

Re: Larry Swedroe: Value Premium Lives!

Being totally selfish, the more people who don't believe in the value premium, the larger it is likely to be. So I'm OK with y'all concluding it is a bunch of Edward Jones.
by whodidntante
Wed May 16, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4293

Re: New motorcycle rider

Sorry I was away for a while. I was busy commuting on my motorcycle in an urban environment with distracted drivers. Before letting all the nervous Nellies talk you out of your motorcycle, consider that this is a website where 20 year olds are told they need bonds. Risk aversion is rampant here. Be ...
by whodidntante
Wed May 16, 2018 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Morgan growth fund
Replies: 14
Views: 747

Re: Vanguard Morgan growth fund

You are performance chasing. Growth stocks have been all the rage recently, but value stocks have tended to beat growth stocks over a long time horizon. Google Fama French three factor model and you'll see that value was one of the factors they identified as a source of risk and return.
by whodidntante
Wed May 16, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off Debt vs. Investing
Replies: 25
Views: 1352

Re: Paying off Debt vs. Investing

The impact of taxes is important for the marginal analysis. Loan principal and usually loan interest are paid back with after tax money, which for some of us means that a large percentage has already been lopped off. But if you can instead invest that money pre-tax and allow it to grow tax free (HSA...
by whodidntante
Wed May 16, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Better to be in debt to yourself or others?
Replies: 25
Views: 1549

Re: Better to be in debt to yourself or others?

I think it's reasonable to take a 401k loan to pay down high interest debt. You are deleveraging and temporarily reducing your exposure to capital markets. The advantage being that you save some money that would otherwise be spent on interest, and you doing so in a tax-efficient way compared to real...
by whodidntante
Wed May 16, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Better to be in debt to yourself or others?
Replies: 25
Views: 1549

Re: Better to be in debt to yourself or others?

Something to keep in mind, with a 401K loan, once you leave the employer you have only 60 days to pay back the entire balance This is incorrect. For one thing, the law never required this. The plan is allowed to make another arrangement. At Megacorp it just changes from payroll deduction to you rep...
by whodidntante
Wed May 16, 2018 7:04 am
Forum: Investing - Theory, News & General
Topic: Would you be willing to temporarily change your AA?
Replies: 27
Views: 1461

Re: Would you be willing to temporarily change your AA?

If you want to market time, use trend following. You gut is really bad at market timing.

Overrebalancing can also juice returns a bit but is a different system of market timing.

Either approach is going to produce worse outcomes some of the time.
by whodidntante
Tue May 15, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4293

Re: New motorcycle rider

I would suggest dirt bikes, renting a motorcycle at a track, and/or mountain biking. It's just not worth the risk. Ask an ER doctor. A dirt bike is a fast way to develop motorcycling skills, because dirt bikes have a high center of gravity, are twitchy and unstable, and you can fix most crash damag...
by whodidntante
Tue May 15, 2018 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Junk Bond fund
Replies: 65
Views: 3600

Re: Vanguard Junk Bond fund

We Bogleheads prefer to lose our money in Vanguard Total Bond Market.
by whodidntante
Tue May 15, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4293

Re: New motorcycle rider

Assume all cagers are trying to kill you.

Get at least a 750 cc engine.

If you get a harley, get a big twin.

Insurance is incredibly cheap.
by whodidntante
Tue May 15, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Car mileage, Fuel additives and other
Replies: 31
Views: 1414

Re: Car mileage, Fuel additives and other

To save gas, move closer, then buy a fire breathing hot rod.
by whodidntante
Tue May 15, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Margin debt ratio
Replies: 39
Views: 2375

Re: Margin debt ratio

Tanelorn knew it was NVDA because Tanelorn is The One.
by whodidntante
Mon May 14, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7019

Re: Is there a boglehead muscle car?

Funny for a car thread, but I used to drive a V4 - except it only had two wheels. The model name was VFR and it would do 0-60 in 3.0 seconds. I only know that number from the published test data, since I was too scared to try it. Regarding V4 cars, I had a friend in college who actually owned a two...
by whodidntante
Mon May 14, 2018 9:33 pm
Forum: Investing - Theory, News & General
Topic: VYMI Vanguard International High Yield ETF Good way to get International Value tilt?
Replies: 11
Views: 1034

Re: VYMI Vanguard International High Yield ETF Good way to get International Value tilt?

Dividend yield is not a factor, and should not be confused with the value factor, even if they often hang out in the same places. But still, there are several good options for international value, international small and value, value and momentum, and international multifactor, so I don't see a reas...