Search found 4145 matches

by whodidntante
Thu Nov 15, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: which snow blower ?
Replies: 22
Views: 990

Re: which snow blower ?

I've been using a 24" two-stage Troy-Bilt for the past 13 years. It has some rust but runs strong. You would want to get ahead of a 15" snowfall with the one I have. I would like heated grips but I doubt I would pay much for it.
by whodidntante
Thu Nov 15, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Muscular Portfolios Questions
Replies: 14
Views: 1666

Re: Muscular Portfolios Questions

^ Thanks for the review.
by whodidntante
Thu Nov 15, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Did millennials really get the short straw?
Replies: 16
Views: 1641

Re: Did millennials really get the short straw?

The economy of the US changed versus their parents. There aren't many good jobs to be had with a high school education. And a lot of millennials sadly chose useless and expensive degree programs that they can't cash flow. I would call that a pretty poor start to your finances. Of course, a lot of th...
by whodidntante
Thu Nov 15, 2018 9:31 pm
Forum: Forum Issues and Administration
Topic: How do I make a avatar
Replies: 3
Views: 277

Re: How do I make a avatar

You pick your favorite character from the movie Rounders, download an image of him (or her), and resize it. I use Windows paint.
by whodidntante
Thu Nov 15, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 30
Views: 1129

Re: What convenience fees does your city charge for credit card use?

2.35% for property tax. I have a card that pays 2.625% on all spend, so it's still a negative fee.
by whodidntante
Wed Nov 14, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: SoFi Money
Replies: 9
Views: 1097

Re: SoFi Money

Sounds OK, but I do not have personal knowledge of it. But it's just OK. I have a Fidelity CMA account and I get 2.05%, unlimited ATM fee rebates, free checks, free bill pay, and free wire transfers. It also links to my brokerage account, and overdraft is backed by margin. I've never needed that ove...
by whodidntante
Wed Nov 14, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: Portability of Fidelity ZERO
Replies: 22
Views: 2265

Re: Portability of Fidelity ZERO

radiowave wrote:
Wed Nov 14, 2018 10:38 pm
whodidntante wrote:
Wed Nov 14, 2018 10:21 pm
Why would you ever leave Fidelity? :twisted:
Don't get me started on the Fidelity Full View rollout disaster these past couple months.
I like the new one better, thought I admit I am casual user.
by whodidntante
Wed Nov 14, 2018 10:21 pm
Forum: Investing - Theory, News & General
Topic: Portability of Fidelity ZERO
Replies: 22
Views: 2265

Re: Portability of Fidelity ZERO

Why would you ever leave Fidelity? :twisted:
by whodidntante
Wed Nov 14, 2018 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds vs. Savings Account
Replies: 28
Views: 1513

Re: Bonds vs. Savings Account

I think you are still better off with "bonds" e.g. 52 week T-bills. A 52 week T-bill does have some term risk but it's mild. The yield is higher than a savings account and it's state tax exempt.
by whodidntante
Wed Nov 14, 2018 10:15 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads On Investing" podcast stats and more
Replies: 14
Views: 857

Re: "Bogleheads On Investing" podcast stats and more

I've listened to each one. I thought everyone listened to financial podcasts exclusively. :happy
by whodidntante
Wed Nov 14, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 58
Views: 7083

Re: Honda reliability slipping?

I drive a 2012 Fiat 500 that CR says is one of the worse cars on the road as far as reliability. I bought it used in 2012 for 10K from a Nissan dealer with only 600 miles on it. I maintain all my cars and I have to say it is the most reliable car I have ever owned. I'm currently at 130,000 miles an...
by whodidntante
Tue Nov 13, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: AQR fund family's performance relative to its benchmarks
Replies: 30
Views: 2201

Re: AQR fund family's performance relative to its benchmarks

Cliff Asness is a known hothead. I wonder if he is reading the recent threads here and throwing furniture/yelling, or if he dismisses these threads at hand. Either way, he's rich while he's doing it.
by whodidntante
Tue Nov 13, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Am I daft...Cannot pay Elan with my Fidelity account
Replies: 4
Views: 658

Re: Am I daft...Cannot pay Elan with my Fidelity account

Order checks on your CMA account. The numbers you need are right on the bottom. In the meantime you can "push" the payment from the CMA bill pay feature.
by whodidntante
Tue Nov 13, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 85
Views: 10860

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

It's better that you discover you are taking on too much risk now versus in the throws of a deep bear market. I agree with your decision to sell stocks and buy bonds. I would encourage you not to trade in and out of the stock market based on your gut, but reducing to a new long term stock allocation...
by whodidntante
Tue Nov 13, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 54
Views: 2797

Re: fuel for snowblower

For most stations, it's the same % across the board, usually E10.

Ethanol free gas is easy to find in some parts of IL. Try the pure gas app. I also use it in my car when it is the same price due to the slightly higher energy density versus E10 and E15.
by whodidntante
Tue Nov 13, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Morningstar downgrades several Vanguard funds
Replies: 14
Views: 3081

Re: Morningstar downgrades several Vanguard funds

Low cost active management might be an asset magnet in the not too distant future.
by whodidntante
Tue Nov 13, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle forced HSA distribution
Replies: 4
Views: 528

How to handle forced HSA distribution

I received a tiny, annoying, $1.13 check from my former HSA custodian, UMB bank. It is purportedly for Vanguard Emerging Markets Fund dividends that were distributed by the fund but not paid to me. The annoying check came with an annoying letter that says, "these funds are considered HSA investment ...
by whodidntante
Mon Nov 12, 2018 10:47 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 173
Views: 12743

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Fidelity is one of my oldest accounts and I really like the platform. They have always treated me well, even better than I deserve IMO. I would be happy to bring my HSA to them. I guess we don't have to wait very long to find out if the "rumor" is true.
by whodidntante
Mon Nov 12, 2018 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Dimensional Funds
Replies: 11
Views: 946

Re: Dimensional Funds

DFA was a trailblazer in putting academic research in factor investing into practice. Their funds are technically multi-factor funds, since they typically combine size, value, momentum (at least negative momentum screens), and quality in one fund. They are great, well implemented, low cost funds. Al...
by whodidntante
Mon Nov 12, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 97
Views: 7076

Re: Granddaughter needs $ help for university

Teach music? You don't need a quarter million dollar education to earn 40 grand a year.
by whodidntante
Mon Nov 12, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4558

Re: How to deposit cash in online account with no local branch

I just do mobile deposits with USAA banking. $100,000 daily limit. How do you do a mobile deposit of cash, which is the OP's point? Photo deposit on their app. All of the major banks and a lot of little banks have this now. USAA has had theirs for years. Cash? You take a picture of cash, and that d...
by whodidntante
Mon Nov 12, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is maxing out Tax defered 401(k) enough?
Replies: 49
Views: 4722

Re: Is maxing out Tax defered 401(k) enough?

I would stop calling the CD an emergency fund so I could cash it out, gather the money from checking/savings, and pay off the 5% HELOC but leave it open. I would also wish my children luck with an optional hug and kiss as I sent them to public school, which also costs a lot but you're already paying...
by whodidntante
Mon Nov 12, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 25
Views: 1695

Re: Global Entry Turnaround Time ?

Mine was really fast. I was approved in less than a month, if memory serves. This includes the interview.
by whodidntante
Mon Nov 12, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Would you invest CC cashback into market??
Replies: 32
Views: 1501

Re: Would you invest CC cashback into market??

Gift cards for some businesses can routinely be purchased at substantial discounts and 20% is not uncommon. Plus you get more credit card points that way. Make sure the deal is really a deal.
by whodidntante
Mon Nov 12, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fastest ACH transfers?
Replies: 8
Views: 1431

Re: Fastest ACH transfers?

Lots of banks offer next day ACH. However, there are differences in cutoff times. For instance, it’s 4pm Eastern with Fidelity, but noon Central with Alliant. For what it’s worth, Fidelity also offers free wire transfers, which occur same day. Don’t you have to be Premium with Fidelity to get this ...
by whodidntante
Sun Nov 11, 2018 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Cards Will I Get Approved for with no Credit Score?
Replies: 7
Views: 672

Re: Which Credit Cards Will I Get Approved for with no Credit Score?

The only way to know is to try, but you can ask your parents to add you as an authorized user on one of their credit cards, if they have good credit. I'm making the wild assumption that you are young. This is a way of building a credit history. You can also do "share secured" loan at a credit union,...
by whodidntante
Sun Nov 11, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Permanent Portfolio - Interested in Bogleheads thoughts
Replies: 13
Views: 1649

Re: Permanent Portfolio - Interested in Bogleheads thoughts

I don't want a cash allocation or a gold allocation, so I don't think much of it.
by whodidntante
Sun Nov 11, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 58
Views: 3279

Re: Recommend Chrome ad-blocker

ScriptSafe works well for general ad disabling, but requires some effort set up. Avira Safe Browsing is an extension that seems to work specifically on YouTube video ads. If you like the Chrome interface, you might try the Brave browser, which is based on Chromium and has integrated ad blocking. I ...
by whodidntante
Sun Nov 11, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Better place to park cash than VMMXX or VGSH/VCSH?
Replies: 4
Views: 923

Re: Better place to park cash than VMMXX or VGSH/VCSH?

Atomic wrote:
Sun Nov 11, 2018 7:10 pm
I like VUBFX
ICSH iShares Ultra Short-Term Bond ETF looks better to me. Higher yield (2.67%), higher credit quality, lower duration, lower expenses. And it's available at any broker.
by whodidntante
Sun Nov 11, 2018 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Emergency fund in my situation
Replies: 17
Views: 1550

Re: Emergency fund in my situation

I don't think you need an emergency fund. You can pay most things out of cash flow and it would seem that you have plenty socked away.
by whodidntante
Sat Nov 10, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Quick Turnaround for Passport Applications (No Payment for Expedited Processing)
Replies: 18
Views: 1612

Re: Fast Processing of Passport Applications

My last renewal was similarly fast. I don't know what normal processing time is, but I expect it would vary.
by whodidntante
Sat Nov 10, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: High/many credit card balances (0%APR) - effect on credit rating, getting more cards.
Replies: 11
Views: 790

Re: High/many credit card balances (0%APR) - effect on credit rating, getting more cards.

I carry significant balances at 0% pretty often, and I have 35k@0% right now owed to AmEx and BoA. My credit score has taken a hit of approximately 25 points. I don't think it has negatively impacted anything; I still have no trouble getting approved for credit and I apparently get the best rates av...
by whodidntante
Fri Nov 09, 2018 11:28 pm
Forum: Investing - Theory, News & General
Topic: SWAN ETF - 10% Leaps / 90% Treasuries
Replies: 24
Views: 1897

Re: SWAN ETF - 10% Leaps / 90% Treasuries

If you want this asset allocation, why wouldn't you simply buy it? You don't need an ETF to accomplish it.
by whodidntante
Fri Nov 09, 2018 11:25 pm
Forum: Investing - Theory, News & General
Topic: SWAN ETF - 10% Leaps / 90% Treasuries
Replies: 24
Views: 1897

Re: SWAN ETF - 10% Leaps / 90% Treasuries

Hodor wrote:
Fri Nov 09, 2018 11:21 pm
What's a leap?
It's a long term option. Basically the approach is leveraged equities and long bonds.
by whodidntante
Fri Nov 09, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Alcohol related gift idea - nice glasses for drinking spirits?
Replies: 17
Views: 1470

Re: Alcohol related gift idea - nice glasses for drinking spirits?

Whiskey drinker here. An important accessory is an ice tray that makes large cubes or large spheres of ice. These melt slower, allowing the whiskey to be chilled without as much dilution. There are also clear ice trays that make, you guessed it, clear ice. But those are somewhat pricey and you might...
by whodidntante
Fri Nov 09, 2018 1:43 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 83
Views: 5918

Re: Too many choices for my next TRUCK

Ford makes some "real" trucks meaning heavy duty models, but those don't make very nice daily drivers. The F-150 is really nice even as a daily driver. Don't buy more or less truck than you need. Since it's a large purchase and I'm picky, I might order one to get exactly my specifications. That's wh...
by whodidntante
Fri Nov 09, 2018 1:30 am
Forum: Investing - Help with Personal Investments
Topic: Convinced wife to invest but wants her own accounts
Replies: 22
Views: 3368

Re: Convinced wife to invest but wants her own accounts

It's reasonable for a partner to want their own accounts. Social security is a kind of pension. Did you adjust your bond allocation based on that? If so, you should probably treat the state pension similarly. You can put the payment series in an NPV calculator and use the NPV as an estimate of the p...
by whodidntante
Fri Nov 09, 2018 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Chase points - what's the point of buying gift cards
Replies: 30
Views: 2573

Re: Chase points - what's the point of buying gift cards

Some people like to use the Sapphire Reserve for travel redemptions at a higher point value. I have more points than I can realistically use so I tend to take the money. But I wouldn't buy merchandise with points. Do it as a normal purchase, so you can get extended warranty, points, and any other be...
by whodidntante
Thu Nov 08, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Garden SFCU 4% 4-year CD, 6 month EWP
Replies: 35
Views: 2431

Re: Garden SFCU 4% 4-year CD, 6 month EWP

nalor511 wrote:
Wed Nov 07, 2018 5:00 pm
Anybody doing this one? Kevin?
Image
by whodidntante
Thu Nov 08, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: A reminder: Stay away from AQR
Replies: 168
Views: 12118

Re: A reminder: Stay away from AQR

Nice chart, AlexisAtEasternState.
by whodidntante
Thu Nov 08, 2018 7:24 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4665

Re: Do you prefer etfs or mutual funds?

Captain kangaroo wrote:
Thu Nov 08, 2018 7:06 pm
ETF's because I can move them around brokerages easier and they're more tax efficient.
+1. Pretty sure I am running a negative ER overall.
by whodidntante
Thu Nov 08, 2018 12:45 am
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4558

Re: How to deposit cash in online account with no local branch

The best way is to retain a local bank account. However, not everyone can. You can purchase money orders, or use Bill Pay services to deposit cash. An Interactive Brokers brokerage account is a valid payee at some Bill Pay services. I've also found that casinos are happy to take large amounts of cas...
by whodidntante
Thu Nov 08, 2018 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity International Wire Currency Exchange Rates
Replies: 13
Views: 1447

Re: Fidelity International Wire Currency Exchange Rates

So i called the Fidelity Private Client group to see what they could do for me. They quoted me a rate of 8.09 NOK. Transferwise is offering around 8.36 with some fees (8.28 with), and Xoom was 8.12 with no fees. That makes Fidelity 3% higher, as the terms say they can do. I questioned them on the r...
by whodidntante
Wed Nov 07, 2018 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: How much is too much in savings account?
Replies: 17
Views: 3732

Re: How much is too much in savings account?

I am currently not taking a paycheck so I can hit the 415 limit of 55 grand. I don't have cash over the amount required to cover bills that are due and payable. I only have equity index ETFs in taxable accounts. I sell investments in a tax efficient way when I need money, then I trade in tax defered...
by whodidntante
Wed Nov 07, 2018 11:10 pm
Forum: Investing - Theory, News & General
Topic: China Still An Emerging Market?
Replies: 24
Views: 1992

Re: China Still An Emerging Market?

Emerging market does not mean that the underlying economy is small. People with expensive educations decide what it means.
by whodidntante
Wed Nov 07, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Best strategy basement mold
Replies: 27
Views: 2286

Re: Best strategy basement mold

Mold = moisture, specifically > 50% relative humidity in a wood framed house. Check to make sure your air conditioner condensate drain is not clogged. I clean mine once a year, or at least every second year.
by whodidntante
Mon Nov 05, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: 80 year old wants to invest $100k to get ~$10k annually. Options?
Replies: 22
Views: 3856

Re: 80 year old wants to invest $100k to get ~$10k annually. Options?

The best option would be to go and buy that fantastic 10% net property back. The investment you want doesn't exist in the capital markets.
by whodidntante
Sun Nov 04, 2018 1:44 pm
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 915

Re: Best way to guesstimate returns of lifestrategy funds?

... Yes it is. Interesting, so is the following list the best corrsepondence: TSM - "Large US" Total international - "EAFE" TBM - "US Aggregate" Total International Bond - "Global aggregate" ? Total international would include about 20% EM so you can add that in too. Likewise you can consider TSM 2...