Search found 1529 matches

by whodidntante
Tue May 23, 2017 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Risks of electronic access
Replies: 29
Views: 2047

Re: Risks of electronic access

Electronic access is an attack vector, but it is not only that. You also get information from it that can be used to thwart an attack, and information that is useful for other purposes. I found two bank errors this year using the bank's own website. OK, so this is not fraud but it would have hurt me...
by whodidntante
Tue May 23, 2017 12:27 am
Forum: Investing - Help with Personal Investments
Topic: To me this is the most significant investment lesson ever
Replies: 6
Views: 1200

Re: To me this is the most significant investment lesson ever

Asset allocation matters and it's more important once a portfolio gets large. Humans make investment decisions and many will make behavioral mistakes driven by fear, greed, anger, embarrassment, arrogance, and incompetence. There aren't a lot of humans who perfectly execute the same investment strat...
by whodidntante
Mon May 22, 2017 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Quickest Path to Financial Independence
Replies: 19
Views: 2612

Re: Quickest Path to Financial Independence

Make lots of money, and invest most of it.
by whodidntante
Mon May 22, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Zacks says sell Wellesley!?
Replies: 36
Views: 2607

Re: Zacks says sell Wellesley!?

If I owned it, I would sell it.
by whodidntante
Mon May 22, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest Church Money
Replies: 34
Views: 1708

Re: How to Invest Church Money

Bogleheads like to diversify. Buy sin stocks.
by whodidntante
Mon May 22, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: ebates experiences - what downsides?
Replies: 13
Views: 962

Re: ebates experiences - what downsides?

Go Blue 99 wrote:Ebates is legit- been using it for years. The only downside I've found is that you have to remember to start at ebates before putting something in your cart.


There is an extension for chrome that will show you when you are missing out.
by whodidntante
Mon May 22, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: To auto loan or not to auto loan?
Replies: 19
Views: 932

Re: To auto loan or not to auto loan?

I recently financed 40 grand for 5 years at 1.89%. I prefer liquidity to a lack of debt.
by whodidntante
Sun May 21, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: ebates experiences - what downsides?
Replies: 13
Views: 962

Re: ebates experiences - what downsides?

I've earned a couple hundred on there. No issues so far.
by whodidntante
Sun May 21, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Firefox painfully slow
Replies: 17
Views: 1577

Re: Firefox painfully slow

stan1 wrote:Make sure your hard drive has free space.

Also if you only have 4MB of RAM it may be time to add more.


Yes, Windows 95 really needs at least 8 MB.
by whodidntante
Sun May 21, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: Value vs Equal vs Other Weighing
Replies: 13
Views: 710

Re: Value vs Equal vs Other Weighing

Float weighted indexes like the S&P 500 are trend following indexes, whereas equal weighted portfolios provide exposure to value and small. I personally want exposure to small and value, but I don't do it through an equal weighted index because there are better options available. There are sever...
by whodidntante
Sat May 20, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Are outdoor portable fans worth it?
Replies: 3
Views: 379

Re: Are portable fans worth it?

Fans work reasonably well if it gets cool at night where you live. I will normally leave the windows shut most of the day and cool the house at night. I use two large Patton fans.
by whodidntante
Sat May 20, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 3139

Re: Bad experience with 'rescuing' a lost dog

Two hours from home? Call animal control if you are in a civilized area, then get on with your day.
by whodidntante
Sat May 20, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 17
Views: 2134

Re: NJ Lemon Law 2017 Honda CRV

A jumper is not a solution. If a lead acid battery is discharged and remains discharged, it will be damaged. It accelerates the sulfation process that leads to battery death. If you have a significant parasitic load, you will need to keep it on a maintenance charger to avoid damage to the battery. T...
by whodidntante
Sat May 20, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do if ETF was to expensive
Replies: 14
Views: 842

Re: What would you do if ETF was to expensive

Have you determined that you are unable to be a customer at Interactive Brokers? They won't charge you nearly so much.
by whodidntante
Sat May 20, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Why ETF settlement happens on T+3?
Replies: 21
Views: 1568

Re: Why ETF settlement happens on T+3?

triceratop wrote:Mutual funds sometimes have frequent trading restrictions too; ETF critics like to ignore this point.


That's a good point. T. Rowe Price and I are currently fighting because they don't like my recent trading activity.
by whodidntante
Sat May 20, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Why ETF settlement happens on T+3?
Replies: 21
Views: 1568

Re: Why ETF settlement happens on T+3?

If you have a margin account it's allowed (with sufficient credit available). Makes me wonder if I should have signed up for a margin account. What if I hold a bond and stock ETF, see stocks drop, and want to rebalance that day by selling the bond ETF to buy more stock ETF? An ACH transfer from ext...
by whodidntante
Sat May 20, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Should I switch my Vanguard funds to lower cost Schwab funds?
Replies: 38
Views: 2390

Re: Should I switch my Vanguard funds to lower cost Schwab funds?

Schwab's international fund is a great choice but it tracks MSCI EAFE, which excludes Canada and emerging markets. That's not an issue for me since I have a separate DFA EM Value fund. If you own Schwab's international fund you should add EM exposure back some other way. Losing Canada is no big los...
by whodidntante
Sat May 20, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: please evaluate my portfolio, is it too risky
Replies: 13
Views: 1339

Re: please evaluate my portfolio, is it too risky

An oft discussed rule of thumb is that an all stock portfolio can realistically drop by half. Larger drops have occurred. If your portfolio dropped by half, would it derail your plans? Would you feel stress and regret? Set your AA based on your willingness, need, and ability to take risk. I can't re...
by whodidntante
Sat May 20, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 135
Views: 14117

Re: Capital One 360 $200 bonus

Excuse my ignorance on the subject since I've been at the same bank my entire life. But, if I wanted to transfer $20k from my TD bank account to Capital one for this bonus, wouldn't that require wiring fees? There would not be wire transfer fees unless you chose to wire the money for some reason. Y...
by whodidntante
Sat May 20, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Should I switch my Vanguard funds to lower cost Schwab funds?
Replies: 38
Views: 2390

Re: Should I switch my Vanguard funds to lower cost Schwab funds?

Schwab's international fund is a great choice but it tracks MSCI EAFE, which excludes Canada and emerging markets. That's not an issue for me since I have a separate DFA EM Value fund. If you own Schwab's international fund you should add EM exposure back some other way. Losing Canada is no big loss...
by whodidntante
Fri May 19, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Why ETF settlement happens on T+3?
Replies: 21
Views: 1568

Re: Why ETF settlement happens on T+3?

All stock exchanges are ran by a man with a donkey. When you issue your sell order, the man gets the money, then he loads it onto the donkey. Then he takes the money up the way to your broker's office. New York traffic being what it is, it can take a few days. I mean, have you tried merging onto a c...
by whodidntante
Fri May 19, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: CD options
Replies: 13
Views: 755

Re: CD options

I can tell you what I did. I stopped thinking in terms of buckets. I have equity index etfs in taxable and bonds and a stable value fund in my 401k. If I need to raise cash for current spending I trade to get the cash and to restore my desired asset allocation. The reasons I do it that way are grea...
by whodidntante
Fri May 19, 2017 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: CD options
Replies: 13
Views: 755

Re: CD options

I can tell you what I did. I stopped thinking in terms of buckets. I have equity index etfs in taxable and bonds and a stable value fund in my 401k. If I need to raise cash for current spending I trade to get the cash and to restore my desired asset allocation. The reasons I do it that way are grea...
by whodidntante
Fri May 19, 2017 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: CD options
Replies: 13
Views: 755

Re: CD options

I can tell you what I did. I stopped thinking in terms of buckets. I have equity index etfs in taxable and bonds and a stable value fund in my 401k. If I need to raise cash for current spending I trade to get the cash and to restore my desired asset allocation. The reasons I do it that way are great...
by whodidntante
Thu May 18, 2017 7:20 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 11867

Re: For those with $500k-$1m in investments...

I have just over a third in a taxable account with equity index ETFs.
by whodidntante
Tue May 16, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Artificial Intelligence ETF
Replies: 12
Views: 1233

Re: Artificial Intelligence ETF

Depending on how picky you are about what constitutes a suitable company, you might want to construct or buy a Motif. Here's one. https://www.motifinvesting.com/motifs/artificial-intelligence-J8xvwePE If you are just starting out, use broad indexes. AI is more of a play money investment in my opinion.
by whodidntante
Tue May 16, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap + Emerging Market Fund
Replies: 5
Views: 318

Re: Small Cap + Emerging Market Fund

VSS has ex-US small cap and emerging, but the emerging portion is small. What is your desired asset allocation?
by whodidntante
Tue May 16, 2017 11:57 am
Forum: Investing - Theory, News & General
Topic: Best argument you've heard against passive/for active?
Replies: 49
Views: 3904

Re: Best argument you've heard against passive/for active?

There is a clear benefit to patient trading for some securities versus blindly following an index.
by whodidntante
Tue May 16, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Best argument you've heard against passive/for active?
Replies: 49
Views: 3904

Re: Best argument you've heard against passive/for active?

As an example, I read an argument that with index investing you guarantee less than average returns because the fees, while low, are non-zero. Indexing guarantees your return will be slightly less than the index return. But that's irrelevant, because no one can invest directly in an index. Securiti...
by whodidntante
Tue May 16, 2017 11:34 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 6217

Re: What Will Burst the Next Bubble?

When we get a credit contraction then economic activity will fall. The next credit contraction is currently scheduled for August of 2018.
by whodidntante
Mon May 15, 2017 11:42 pm
Forum: Investing - Theory, News & General
Topic: Letting equity-only portfolio drift for decades (no rebalancing)?
Replies: 27
Views: 2522

Re: Letting equity-only portfolio drift for decades (no rebalancing)?

If you buy something close to market weight for TSM and Total International (and 50/50 is close enough), I don't see a need to rebalance that later on. You declared an intention to hold the market weight, and the drift would be captured in the market composition. It's something like buying a world e...
by whodidntante
Mon May 15, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: BRK.A/B a dangerous long term play?
Replies: 20
Views: 1810

Re: BRK.A/B a dangerous long term play?

Berkshire is a holding company. You have to believe Berkshire can pick the right businesses to invest in, and can make a good call about when to sell off those investments, etc. You also have to believe they won't do significant damage to the companies they invest in and destroy the value. As a shar...
by whodidntante
Mon May 15, 2017 12:17 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 377
Views: 46788

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

A question for anyone who has done a transfer into Ameritrade recently. If someone was to rollover an IRA into Ameritrade and receive a bonus (say $250,000 for $600), how long would they have to wait until the could rollover a second IRA to receive a second bonus? I would and I do: a) wait until I ...
by whodidntante
Sun May 14, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Is there any reason I should invest any additional money into bonds?
Replies: 29
Views: 2483

Re: Is there any reason I should invest any additional money into bonds?

Is there any reason I should invest any additional money into bonds or FI of any sort, or should all my future savings go into equities given my situation? It's a good question. Are you basically asking if there can be situations in which one abandons the AA strategy from some point going forward? ...
by whodidntante
Sun May 14, 2017 8:17 am
Forum: Investing - Theory, News & General
Topic: Does trade execution speed matter?
Replies: 15
Views: 1519

Re: Does trade execution speed matter?

I recently bought some JPGE which is commission free at etrade. Before I placed the order the quote page said last trade 55.912 and with a bid and offer spread about 0.05 around the last trade price. When I placed the order I did the get same price as the quoted last trade price, which was better t...
by whodidntante
Sun May 14, 2017 12:33 am
Forum: Investing - Help with Personal Investments
Topic: 100% Total International (0% US equity) for new investor?
Replies: 36
Views: 2369

Re: 100% Total International (0% US equity) for new investor?

100% ex-US is not the portfolio I would want, but I don't think it is a crazy idea. It is a high conviction strategy, meaning you will still have to be sure of your thesis when it seems like everybody got great gains another way at some point in the future. You won't find much support for your strat...
by whodidntante
Sun May 14, 2017 12:20 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's safest all-equity fund
Replies: 59
Views: 4874

Re: Vanguard's safest all-equity fund

I think large cap growth would be a bit smoother than most, but it can go down hard. Are you looking for an alternative source of return? There are market neutral and other types of long-short equity funds that are low or zero beta. I don't think you should expect market neutral funds to return anyt...
by whodidntante
Sat May 13, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Rob Arnott [buy emerging market equities vs. US stocks]
Replies: 40
Views: 2927

Re: Rob Arnott [buy emerging market equities vs. US stocks]

Owning EM as part of your asset allocation is a sensible thing to do. But I'm guessing that is not what CNBC told you. It was probably confusing, confusing, confusing do something vague but only if the phase of the moon is right. Thanks to our guest for being smarter than us.
by whodidntante
Sat May 13, 2017 8:59 am
Forum: Investing - Theory, News & General
Topic: "The long run is only longer than the short run, not safer"
Replies: 37
Views: 3299

Re: "The long run is only longer than the short run, not safer"

Anyone who thinks the risk of the market declines over time should go price some put options on S&P 500 ETFs. If your belief is correct, these securities should be cheaper the further out on the calendar you go. If you still believe this, why don't you sell some long dated S&P puts yourself...
by whodidntante
Fri May 12, 2017 9:35 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 377
Views: 46788

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Earl Lemongrab wrote:Schwab is offering $300, which is better than most.

http://www.schwab.com/public/schwab/nn/new_client_award.html

Note that this is only for "new customers". I'm not sure how firm they are with that.


That is perfect, thanks.
by whodidntante
Fri May 12, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: ETF money market equivalent (or close)?
Replies: 11
Views: 528

Re: ETF money market equivalent (or close)?

3 month brokered CDs might be a good option for you.
by whodidntante
Thu May 11, 2017 10:28 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront Portfolio Line of Credit
Replies: 5
Views: 838

Re: Wealthfront Portfolio Line of Credit

A portfolio margin account will give you much lower capital requirements and a lower rate. That's a better option if your taxable portfolio is large.
by whodidntante
Thu May 11, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Chase Private Client -- Worth it to hold Vanguard Funds?
Replies: 15
Views: 1816

Re: Chase Private Client -- Worth it to hold Vanguard Funds?

OP, go ahead. It would appear that you have done the due diligence and determined that you would benefit. If you find they have not accurately portrayed their fee structure later on you can always leave. It is possible to get free wire transfers elsewhere, FYI. I need free international wire transf...
by whodidntante
Thu May 11, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Play-money Investment Simulator?
Replies: 11
Views: 893

Re: Play-money Investment Simulator?

TDA has one that is very good. The thinkorswim desktop app offers paper trading and includes margin and derivatives and some quant tools. Just make sure you are paper trading before you short s&p 500 eminis.
by whodidntante
Thu May 11, 2017 10:15 pm
Forum: Investing - Theory, News & General
Topic: What are the benefits of turning-off dividend reinvestment (and capital gains too)?
Replies: 15
Views: 1860

Re: What are the benefits of turning-off dividend reinvestment (and capital gains too)?

I don't reinvest equity fund distributions. I use the distributions to buy what I'm currently short of according to my desired asset allocation. I'm also put off by fractional shares of ETFs but that is not logical.
by whodidntante
Thu May 11, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 96
Views: 10888

Re: Single most important investing advice?

For me, it was "don't listen to Dave Ramsey."
by whodidntante
Thu May 11, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Are bank test deposits taxable?
Replies: 22
Views: 2262

Re: Are bank test deposits taxable?

You might be overthinking this.
by whodidntante
Thu May 11, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 4358

Re: Can you suggest a mortgage lender who does not resell

The person you are talking to almost certainly does not make such decisions. Ask if they'll sign a contract stating they will pay you a $10,000 fee if they sell your loan in exchange for getting your loan with them. I bet they won't. When I applied for a refi at my credit union, they told me that I ...
by whodidntante
Thu May 11, 2017 7:59 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's ELP's pay him to not understand investment fees
Replies: 24
Views: 2415

Re: Dave Ramsey's ELP's pay him to not understand investment fees

I don't like his simple, no nonsense approach to debt either.
by whodidntante
Thu May 11, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Chase Private Client -- Worth it to hold Vanguard Funds?
Replies: 15
Views: 1816

Re: Chase Private Client -- Worth it to hold Vanguard Funds?

OP, go ahead. It would appear that you have done the due diligence and determined that you would benefit. If you find they have not accurately portrayed their fee structure later on you can always leave. It is possible to get free wire transfers elsewhere, FYI.

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