Search found 7916 matches

by whodidntante
Tue May 26, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: Homemade Salad Dressing
Replies: 46
Views: 2395

Re: Homemade Salad Dressing

Salad is a waste of time.
by whodidntante
Tue May 26, 2020 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: For EF "months", are we including unemployment benefits & stated severance policies? And both parts of a couple?
Replies: 19
Views: 972

Re: For EF "months", are we including unemployment benefits & stated severance policies? And both parts of a couple?

TL;DR: I think that some people make unnecessarily dark assumptions when deciding on their cash needs. I don't have an "emergency fund" but I do have a plan for emergencies. I don't "budget" but I do keep an eye on my spending. My spending during blue skies is significantly higher than during a stor...
by whodidntante
Mon May 25, 2020 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another "can I afford this house"?
Replies: 12
Views: 1274

Re: Yet another "can I afford this house"?

You can "afford" a whole lotta house. I'll give you a number if you want. But you'll be better off if you get a house that meets your needs, and don't spend your whole life making the sacrifices that a 600k income requires.
by whodidntante
Mon May 25, 2020 2:50 pm
Forum: Investing - Theory, News & General
Topic: Anybody do any GOOD timing the market?
Replies: 72
Views: 3285

Re: Anybody do any GOOD timing the market?

Sold some put options once volatility spiked and I realized the insane option premiums the market was offering. All expired worthless so I kept the premiums without having to buy the underlying. I would have went on margin if exercised, but I did have a large bonus coming, some money that was just a...
by whodidntante
Mon May 25, 2020 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Customer hasn't paid me not worth cost of lawyer but...
Replies: 40
Views: 4236

Re: Customer hasn't paid me not worth cost of lawyer but...

I learned a long time ago net 60 means 60 days from whenever your contact decides your invoice is approved and presents it to accounting. Or 60 days from whenever accounting gets all their i's dotted and t's crossed. The 60, or 90, or whatever bore no relation to the date on your invoice or the dat...
by whodidntante
Mon May 25, 2020 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Customer hasn't paid me not worth cost of lawyer but...
Replies: 40
Views: 4236

Re: Customer hasn't paid me not worth cost of lawyer but...

I'll be a contrarian. In the middle of a global pandemic it's not likely someone's gonna go to a closed office just to pay a single invoice. My suggestion, especially if there's opportunity for repeat business, give 'em a little slack until the office reopens. Best of luck. Yeah. I would give the t...
by whodidntante
Sun May 24, 2020 10:36 pm
Forum: Investing - Theory, News & General
Topic: Alarming Bid/Ask Spreads on ETFs
Replies: 42
Views: 2891

Re: Alarming Bid/Ask Spreads on ETFs

I don't think so. I'm pretty lazy, so I only checked one.
https://www.etf.com/IJS#tradability

No idea if that link really works like I want, so just inspect the daily spread chart.
by whodidntante
Sun May 24, 2020 10:31 pm
Forum: Personal Consumer Issues
Topic: Audiophiles: Any one collecting speakers?
Replies: 11
Views: 692

Re: Audiophiles: Any one collecting speakers?

Speakers deteriorate with age. I don't know how that affects resale value, but it does affect performance. More so electronics with their huge capacitors - hence why I don't collect electronics... Speakers deteriorate also. The surrounds, cones, voice coils all break down over time. Some materials ...
by whodidntante
Sun May 24, 2020 10:28 pm
Forum: Personal Investments
Topic: Taxable instead of tax deferred
Replies: 7
Views: 767

Re: Taxable instead of tax deferred

Do a Roth IRA then. Tax diversification is pretty useful, though a Roth is going to be better than taxable most of the time. I know, I know, you make too much money. So do a backdoor Roth IRA. You can also look into a mega backdoor Roth, though most people don't have the required 401k provisions to ...
by whodidntante
Sun May 24, 2020 10:13 pm
Forum: Personal Consumer Issues
Topic: Audiophiles: Any one collecting speakers?
Replies: 11
Views: 692

Re: Audiophiles: Any one collecting speakers?

Speakers deteriorate with age. I don't know how that affects resale value, but it does affect performance.
by whodidntante
Sun May 24, 2020 10:15 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 335
Views: 23211

Re: The axe falls and I am prepared. What's next?

telemark wrote:
Sat May 23, 2020 1:30 pm
IBM announced layoffs this week, and it seems to be a general trend in the industry. Makes me glad I'm already retired.
IBM isn't a great business, pandemic or not. But yes, more trees will be shaken. That's how businesses deal with disruptions in sales.
by whodidntante
Sat May 23, 2020 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: hurting savings cushion vs. taking advantage of 0% interest on federal student loan COVID-19 forbearance
Replies: 5
Views: 408

Re: hurting savings cushion vs. taking advantage of 0% interest on federal student loan COVID-19 forbearance

While I think it's reasonable to prepay a 6% loan, currently it's a 0% loan. So I would use the forbearance period to build up a little money. You can always drop it all on the loan later if you like.
by whodidntante
Sat May 23, 2020 10:39 pm
Forum: Investing - Theory, News & General
Topic: Two Portfolio Adjustments during Covid-19
Replies: 7
Views: 680

Re: Two Portfolio Adjustments during Covid-19

Regarding #1, it's not necessary for a portfolio to produce distributions in order for one to get income from it. Although I do agree that expected real returns of safe bonds are now lower, even negative. It's reasonable to save more because you just might need it. You can also take more risk if you...
by whodidntante
Sat May 23, 2020 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card perks besides cash/points?
Replies: 19
Views: 1522

Re: Best credit card perks besides cash/points?

Sort of high end Mastercards will get you into certain lounges free of charge. World elite if I recall correctly. I used that to get a companion in recently.
by whodidntante
Sat May 23, 2020 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card perks besides cash/points?
Replies: 19
Views: 1522

Re: Best credit card perks besides cash/points?

Jags4186 wrote:
Sat May 23, 2020 4:22 pm
AMEX offers (other banks have these but AMEX deals are much better overall I find.)
Yep. These have been surprisingly profitable for me.
by whodidntante
Sat May 23, 2020 5:26 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 118
Views: 9137

Re: Personal spending out of control after Covid-19

You don't need to spend a lot to drink good stuff. I find Wild Turkey 101 to be a value bourbon. I don't bring it out for the company, but it's what I reach for most of the time. And for mixed drinks, I prefer Everclear over clear rum or especially vodka. It's basically 2.5x alcohol for the same mon...
by whodidntante
Sat May 23, 2020 1:21 pm
Forum: Investing - Theory, News & General
Topic: A different approach to asset allocation
Replies: 1473
Views: 705596

Re: A different approach to asset allocation

Now I think there's a sweet spot because it's not generally recommended to hold back investing just to dollar cost average. But it might also not be recommended to invest most of the money you were planning on investing in stocks in your lifetime, today. So perhaps a sweet spot, investing immediate...
by whodidntante
Sat May 23, 2020 9:16 am
Forum: Personal Consumer Issues
Topic: Hertz is declaring bankruptcy
Replies: 66
Views: 6336

Re: Hertz is declaring bankruptcy

From Hertz to flatline. Apologies to those who don't get the joke, and even more so to those who do. :P
by whodidntante
Sat May 23, 2020 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 45
Views: 4635

Re: Something Fishy Here??

Anyone get a card with the wrong last name? My last name is diff than my spouse's - but we've filed the last 20 years of tax returns using both our full names - never been an issue before. Never changed anything that would confuse IRS. Now this card arrived with his first name and my last name. Sho...
by whodidntante
Sat May 23, 2020 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 109
Views: 10441

Re: Approaching 40, worried about financial future

I worry that reading about people who are about to retire with $1m to $2m - that we'd never get there! The majority of people will never have a million dollar pile of securities. Yet, anyone who lives long enough will retire. You make adjustments. There is no shame in it. But to get to a million an...
by whodidntante
Fri May 22, 2020 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 45
Views: 4635

Re: Something Fishy Here??

Vanguard Fan 1367 wrote:
Fri May 22, 2020 9:40 pm
yangtui wrote:
Fri May 22, 2020 2:45 pm
when it comes to situations like this, google is your friend.
So is Bogleheads👍
If we didn't run Google searches for people or do Vanguard technical support, we might get a little bored.
by whodidntante
Fri May 22, 2020 11:00 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime delayed shipping
Replies: 38
Views: 2495

Re: Amazon Prime delayed shipping

I buy very little from Amazon now. It's not political, I just find there offering to be meh. I can get portal cash back, better prices, fast free shipping without paying an expensive annual fee, and much fewer issues with counterfeit products by going elsewhere. And sometimes I can't wait even two d...
by whodidntante
Fri May 22, 2020 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: taking loan from 401K rollover to IRA
Replies: 7
Views: 365

Re: taking loan from 401K rollover to IRA

There is no means of taking a loan from an IRA, other than doing a once per year 60 day rollover. Are you asking about a distribution?
by whodidntante
Fri May 22, 2020 10:38 pm
Forum: Investing - Theory, News & General
Topic: TIAA warns on negative yields on money market funds
Replies: 71
Views: 4745

Re: TIAA warns on negative yields on money market funds

T-bills out to six months are trading at negative yields. Money's cheap. That is one way to look at it. However, the other side is this makes retirement saving and planning very difficult. We always here how little Americans have saved for retirement. Negative and 0 yields actually make this proble...
by whodidntante
Fri May 22, 2020 9:17 pm
Forum: Investing - Theory, News & General
Topic: TIAA warns on negative yields on money market funds
Replies: 71
Views: 4745

Re: TIAA warns on negative yields on money market funds

T-bills out to six months are trading at negative yields. Money's cheap.
by whodidntante
Fri May 22, 2020 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 335
Views: 23211

Re: The axe falls and I am prepared. What's next?

You don't need to work anymore unless you want to spend more. But if you do, make it something you enjoy.
by whodidntante
Fri May 22, 2020 3:01 pm
Forum: Personal Investments
Topic: Can retirement be this simple?
Replies: 31
Views: 4270

Re: Can retirement be this simple?

I would withdraw the funds as needed to meet current spending, making sure to honor RMDs once that's required. You can cut spending in bear markets and then live a little when the market hands you giant bags of money. I like to have separate funds for equities and fixed income, so I can pick which o...
by whodidntante
Fri May 22, 2020 2:56 pm
Forum: Personal Investments
Topic: Does fidelity have a total world stock for their HSA?
Replies: 10
Views: 544

Re: Does fidelity have a total world stock for their HSA?

Stop worrying and learn to love ETFs. Then you can buy VT at no cost in your Fidelity HSA.
by whodidntante
Fri May 22, 2020 2:51 pm
Forum: Personal Investments
Topic: Current 401k contributions?
Replies: 10
Views: 802

Re: Current 401k contributions?

Currently on track to hit the annual limit with my last paycheck of 2020. Just like last year and the year before that. Current asset allocation somewhere between 85/15 and 90/10 depending on which way the wind blows. It's like watching grass grow with occasional devastating forest fires.
by whodidntante
Fri May 22, 2020 12:36 pm
Forum: Personal Investments
Topic: Chasing Individual Stocks
Replies: 45
Views: 2353

Re: Chasing Individual Stocks

A friend bought $100K of FB at $147 , at the time I thought he was nuts to take so much risk, well... he sold today at $230 making a cool $56,000 in profit for holding 30 days. Meanwhile my diversified index based portfolio has gone nowhere in the last Two and Half years :oops: Buying individual st...
by whodidntante
Fri May 22, 2020 11:06 am
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3559

Re: Safely disinfecting frozen food packages from corona virus?

Teague wrote:
Thu May 21, 2020 4:16 pm
Someone said that ultraviolet or other strong light sources could be used to disinfect. I have no idea if this is true. Can you leave the frozen goods out in the sun for, oh, a few hours or so?
Yes, but only if it's a warm day. Cold sun doesn't work as well.
by whodidntante
Fri May 22, 2020 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff logistics and large ACH transfer
Replies: 16
Views: 1573

Re: Mortgage payoff logistics and large ACH transfer

While you've gotten reasonable advice, I don't really understand your specific concern. If an ACH transfer fails somehow, the money will be returned to the account it was pushed from, or if pulling, it will just never leave the account. The only time this happened to me was when I pushed 15k to Citi...
by whodidntante
Thu May 21, 2020 10:30 pm
Forum: Personal Investments
Topic: What to do with cash?
Replies: 29
Views: 4066

Re: What to do with cash?

gr7070 wrote:
Thu May 21, 2020 10:16 pm
abuss368 wrote:
Thu May 21, 2020 8:34 pm
There is an old saying "cash is king" and for good reason.
Is that because its power is eroded with every year?
LOL. Good one.
by whodidntante
Thu May 21, 2020 10:09 pm
Forum: Personal Consumer Issues
Topic: Blown Power Amplifier: Repair or Replace? [resolved]
Replies: 39
Views: 1769

Re: Blown Power Amplifier: Repair or Replace?

I get that people get attached to stuff like this. It's been with you for a long time and you've gotten enjoyment out of it. That said, it's old and has very little value. Electronics don't exactly improve with age. So, I would try to repair it myself since I have a relevant educational background. ...
by whodidntante
Thu May 21, 2020 9:57 pm
Forum: Personal Investments
Topic: Signature FCU IRA Savings Rate 1.75%
Replies: 5
Views: 333

Re: Signature FCU IRA Savings Rate 1.75%

Not the answer you are looking for, but locking up your money meant for retirement in a Savings account does not make sense. It should be invested in the market. UNLESS you are already retired and looking for safety of principal, of course. In which case, 1.75% is really an excellent rate. Vanguard...
by whodidntante
Thu May 21, 2020 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage: home town bank with slightly higher rate vs large bank with lower rate?
Replies: 7
Views: 797

Re: Mortgage: home town bank with slightly higher rate vs large bank with lower rate?

I'm not loyal to any bank. They certainly are not loyal to me. I will take the deal that is best for me at the time. They might even sell the loan right after closing to take profits, rather than keep the loan on their balance sheet. It's worth comparing all costs and negotiating. They really hope y...
by whodidntante
Thu May 21, 2020 9:07 pm
Forum: Investing - Theory, News & General
Topic: Who's right about the future? Stock or Bond market?
Replies: 50
Views: 4421

Re: Who's right about the future? Stock or Bond market?

To a much lesser degree Amazon has hundreds of thousands of potential customers they will need to grow, but many of those people would never use Amazon because their business practices are so ruthless and anticompetitive that they don’t want to support their growth. I too predict that we will feast...
by whodidntante
Thu May 21, 2020 9:06 pm
Forum: Personal Investments
Topic: Assuming we start paying banks to hold our money (in the US)
Replies: 50
Views: 4051

Re: Assuming we start paying banks to hold our money (in the US)

Y'all have been getting hosed by low rates for years. Get some bank bonuses; it's the new interest.
by whodidntante
Thu May 21, 2020 8:24 pm
Forum: Investing - Theory, News & General
Topic: Who's right about the future? Stock or Bond market?
Replies: 50
Views: 4421

Re: Who's right about the future? Stock or Bond market?

To a much lesser degree Amazon has hundreds of thousands of potential customers they will need to grow, but many of those people would never use Amazon because their business practices are so ruthless and anticompetitive that they don’t want to support their growth. I too predict that we will feast...
by whodidntante
Thu May 21, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3328

Re: Tesla Y test drive

When I was mentioning the highway speed sound, my son ask why don't they put noise cancelling inside the car to cancel the tire and wind noise? He's right shouldn't that be pretty easy, since it's such old technology? The noise cancelling tech shouldn't disrupt horns, ambulance, fire dept trucks et...
by whodidntante
Thu May 21, 2020 6:17 pm
Forum: Personal Investments
Topic: I freaked out…now what?
Replies: 60
Views: 6065

Re: I freaked out…now what?

Unless your oncologist just told you to get your affairs in order, or you're at a point where a SPIA and some bonds makes all kinds of sense, do not go to 0% stocks. And maybe not even then. You must decide upon your asset allocation and buy in today, my son. That'll be ten hail Bogles and make a V ...
by whodidntante
Thu May 21, 2020 4:32 pm
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3403

Re: Do you dislike recurring billing for gyms?

My gym is publicly traded, so they offer huge discounts at the end of the year in order to make their financials look a little better. So I buy a prepaid Visa/MC card sufficient to cover the charge, and pay for an entire year of gymming with that, then put it in a sock drawer. Good luck "auto renewi...
by whodidntante
Wed May 20, 2020 11:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5628
Views: 481733

Re: U.S. stocks continue to soar!

mrspock wrote:
Mon May 18, 2020 6:41 pm
cpan00b wrote:
Mon May 18, 2020 5:31 pm
Lol so is no one in this thread market timing and selling now with the hopes that S&P returns to sub 2500 with Q2 earnings?
Waiting till this filthy dead cat bounce hits 5000 then I’ll sell off.
That's not a dead cat bounce. That's a bull with butterfly wings.
by whodidntante
Wed May 20, 2020 10:59 pm
Forum: Personal Consumer Issues
Topic: what to do about 1000s of dandelions/weeds?
Replies: 55
Views: 4063

Re: what to do about 1000s of dandelions/weeds?

jjface wrote:
Wed May 20, 2020 10:30 pm
adamthesmythe wrote:
Wed May 20, 2020 9:18 pm
jjface wrote:
Wed May 20, 2020 8:57 pm
Geese
I saw on youtube that bears really like dandelions (because they are sweet)

https://www.youtube.com/watch?v=uWK1osi ... e=youtu.be
The neighbors might freak out
They really don't care for my opossum either.
by whodidntante
Wed May 20, 2020 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Core Position choice
Replies: 3
Views: 364

Re: Fidelity Core Position choice

You can manually purchase SPRXX for a bit more yield, and it will auto-liquidate to meet debits. But since COVID-19 infected short-term yields it's hardly worth it. If you want your money to earn money, go forth and earn bank bonuses, including checking accounts. You can get $700 from HSBC right now...
by whodidntante
Wed May 20, 2020 10:29 pm
Forum: Personal Consumer Issues
Topic: Frequency of bike overhaul or tune up
Replies: 29
Views: 1671

Re: Frequency of bike overhaul or tune up

My bike shop does it for free, so I let them adjust the cables now and then so they can tell me how busy they are. Clean the chain and chainrings when dirty (I wait until I can see a little sludge), and lightly lube the chain before every ride. Eventually you'll need tires. I seem to wear mine out e...
by whodidntante
Wed May 20, 2020 10:09 pm
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3559

Re: Safely disinfecting frozen food packages from corona virus?

Try to avoid sucking on the packaging, unless it's fully cooked.
by whodidntante
Wed May 20, 2020 10:07 pm
Forum: Investing - Theory, News & General
Topic: FAMag: Interactive Brokers Launches Massive Mutual Fund Marketplace
Replies: 5
Views: 540

Re: FAMag: Interactive Brokers Launches Massive Mutual Fund Marketplace

jaj2276 wrote:
Wed May 20, 2020 8:23 am
What is this, 1999?
I know, right? ETFs solve exactly this problem, and are structurally more efficient than mutual funds.
by whodidntante
Wed May 20, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: “Fuzzy” monitor - will moving from VGA to DVI help?
Replies: 12
Views: 574

Re: “Fuzzy” monitor - will moving from VGA to DVI help?

I can notice the difference between VGA and DVI. But if DVI doesn't solve it, try scotch whiskey or a new monitor. Or both. :sharebeer
by whodidntante
Wed May 20, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: what to do about 1000s of dandelions/weeds?
Replies: 55
Views: 4063

Re: what to do about 1000s of dandelions/weeds?

Dandelion seeds are pretty valuable. I guess this is a pretty homey start to your new seed empire.