Search found 1265 matches

by whodidntante
Sun Feb 26, 2017 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: $125K to play with...but late to the party
Replies: 4
Views: 726

Re: $125K to play with...but late to the party

I agree with the previous poster that you need to decide what the money is for. If it's for long term investment and you can stand a loss, equity index ETFs are tax efficient. Trade equity for some bonds in your 401k to make room for equity holdings in taxable, and start to think of asset allocation...
by whodidntante
Sun Feb 26, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: "Borrow" $5500 from Emergency Fund to Qualify for Vanguard Admiral?
Replies: 24
Views: 2943

Re: "Borrow" $5500 from Emergency Fund to Qualify for Vanguard Admiral?

You could use ETFs. Or move your assets to Schwab where everyone gets lower mutual fund expenses than at vanguard.
by whodidntante
Sun Feb 26, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Is it really necessary to save the Financial Statements
Replies: 2
Views: 370

Re: Is it really necessary to save the Financial Statements

I don't get paper statements anymore and I don't see any advantage to keeping those. In the event of a dispute a PDF copy of a statement is just as much "proof" as a statement you claim to have received in the mail. These are not the controlling records but may support your claims.
by whodidntante
Sun Feb 26, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 37
Views: 3144

Re: Should we wait before buying in?

How did you have this money invested before? Did you like that allocation? If so, resume that. I do not recommend keeping 600k in cash.
by whodidntante
Sat Feb 25, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: schwab lowering ER's
Replies: 17
Views: 1641

Re: schwab lowering ER's

Cheaper than vanguard with better customer service. No minimums to get the low ERs. You can get a bonus for moving existing assets there. Sounds good to me.
by whodidntante
Fri Feb 24, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: Why not hedge using futures?
Replies: 19
Views: 1130

Re: Why not hedge using futures?

A purist boglehead will not engage in tactical asset allocation, and the cost of what you are advocating is higher if it's used to implement an asset allocation long term. But if it makes sense for you, go ahead.
by whodidntante
Fri Feb 24, 2017 12:35 am
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 76
Views: 4315

Re: Market Run Ups - Now vs. Then

I lived through the dot bomb and the financial crisis and rode through both with 100% stock, buying what I could as things tanked. Current valuations are somewhat concerning, but mainly from the perspective that it is hard to imagine great returns from US equities going forward when we start this hi...
by whodidntante
Fri Feb 24, 2017 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Credit card limits
Replies: 16
Views: 1185

Re: Credit card limits

I currently have 1.2x my annual income in credit card lines. It has been higher, but I got rid of a few cards that charge a fee, which I got for churning purposes.
by whodidntante
Fri Feb 24, 2017 12:21 am
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 112
Views: 6428

Re: risk of my Tesla deposit

$1k matters, but it probably doesn't matter much if you are in a position to buy a new car. Sometimes you have to take a shot.
by whodidntante
Tue Feb 21, 2017 1:34 am
Forum: Personal Consumer Issues
Topic: Any reason to delay using Turbotax to file taxes?
Replies: 13
Views: 1495

Re: Any reason to delay using Turbotax to file taxes?

The only reason I'm waiting is indecision over whether I want to fork over 5k extra for 15k total in I-Bonds this year.
by whodidntante
Tue Feb 21, 2017 1:30 am
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 67
Views: 4815

Re: Desktop Computer - Still relevant? Good investment?

Desktops last longer than laptops, but they end up using a TON more electricity. Fun fact: if you keep a desktop computer for more than 4 years you'll spend more on electricity than on buying it! It's possible to build an energy efficient desktop PC, and the baseline is better than it used to be. M...
by whodidntante
Tue Feb 21, 2017 1:28 am
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 67
Views: 4815

Re: Desktop Computer - Still relevant? Good investment?

Are people still buying desktops for home use? I'm pretty proficient and I like the idea of an upgrade-able/serviceable system. I think, if I did it right, I might be better served by running a nicer desktop in conjunction with a cheap Chromebook/tablet. I'm also a little tempted by discrete graphi...
by whodidntante
Mon Feb 20, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Long term treasury ? Pros and Cons
Replies: 15
Views: 967

Re: Long term treasury ? Pros and Cons

I wanted to short long term treasuries in the hedge fund contest. I was informed that was against the rules.
by whodidntante
Mon Feb 20, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Costco: 6 quarts of Mobil 1 $27.99, normally $37.99
Replies: 47
Views: 4315

Re: Costco: 6 quarts of Mobil 1 $27.99, normally $37.99

Why wouldn't you typically purchase several 5qt jugs at Walmart, instead of a 5qt and a 1qt container? Because one container would have to remain open for extended periods. Maybe this doesn't matter though. Yeah, it doesn't matter unless you are talking more than a few years. The oil I "store&...
by whodidntante
Sun Feb 19, 2017 11:55 pm
Forum: Investing - Theory, News & General
Topic: Bull/Sell your stock before dividend date or after dividend date?
Replies: 9
Views: 1108

Re: Bull/Sell your stock before dividend date or after dividend date?

Suppose you want to buy a mutual fund for total stock market. There's VTSAX which gives dividends for times a year. There's SWTSX which gives dividends once a year. Assuming stock doesn't really change in price between the two days, would you want to BUY it the day before or the day after it's ex-d...
by whodidntante
Sat Feb 18, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: Foreign bank transfer, small
Replies: 9
Views: 543

Re: Foreign bank transfer, small

I've used transferwise and I am happy with the service.
by whodidntante
Sat Feb 18, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: Boglehead mentality re todays oil price
Replies: 59
Views: 4691

Re: Boglehead mentality re todays oil price

selters wrote:Allegedly, the world discovered one billion barrells of oil in 2016, but used 30 billion. It seems that today, commodities prices are set by short term traders.


It's not all speculation. People in the oil business need to manage risk.
by whodidntante
Sat Feb 18, 2017 12:34 pm
Forum: Investing - Theory, News & General
Topic: Boglehead mentality re todays oil price
Replies: 59
Views: 4691

Re: Boglehead mentality re todays oil price

greg24 wrote:
BogleInvestorLondon wrote:Is anyone here tempted at these prices?


Tempted to do what?

Buy oil in bulk? I have no idea how to do that.

Buy oil company stock? Buy airline company stock?

Fill up my gas tank?


Futures contracts are a cost effective way to gain exposure to the price of crude oil.
by whodidntante
Sat Feb 18, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for tiered emergency fund
Replies: 23
Views: 1680

Re: Ideas for tiered emergency fund

Ibonds and CDs are reasonable choices. You should treat either as part of your fixed income allocation. I used to carry a lot of cash but I don't anymore.
by whodidntante
Sat Feb 18, 2017 2:07 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 294
Views: 32135

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

TDA sent me a 1099-misc and reported my $500 bonus as "other income." This information may be useful to someone. I think that's pretty typical, isn't it? BTW for anyone who got a bonus from Fidelity last year, the 1099-MISC is not being included in the data downloaded/imported into Turbot...
by whodidntante
Sat Feb 18, 2017 1:58 am
Forum: Investing - Help with Personal Investments
Topic: Question [Help with individual stock holdings, asset allocation]
Replies: 7
Views: 398

Re: Question

The market is not clearly in a bubble, and it's not obvious that the economy is about to tank. I acknowledge that there are valid concerns. There are always concerns. You probably don't have a market beating ability to pick stocks. My stock picks have also done well but I'm not about to go all in on...
by whodidntante
Fri Feb 17, 2017 10:28 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 294
Views: 32135

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

TDA sent me a 1099-misc and reported my $500 bonus as "other income." This information may be useful to someone.
by whodidntante
Fri Feb 17, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Service problems in the news
Replies: 24
Views: 3116

Re: Vanguard Service problems in the news

I want to thank vanguard for not spending money on customer service. I need those ERs low. But if VG doesn't ante they won't be able to play the customer service game. :happy I keep my chips elsewhere and own a few vanguard etfs. They can cut their customer service spending in half, as far as I'm c...
by whodidntante
Fri Feb 17, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Service problems in the news
Replies: 24
Views: 3116

Re: Vanguard Service problems in the news

I want to thank vanguard for not spending money on customer service. I need those ERs low.
by whodidntante
Thu Feb 16, 2017 6:36 pm
Forum: Investing - Theory, News & General
Topic: What happens to European bonds if the euro starts to fail?
Replies: 51
Views: 3431

Re: What happens to European bonds if the euro starts to fail?

What is your definition of "fail?" Germany's export economy benefits greatly from the continuance of the euro. And Germany really matters.
by whodidntante
Thu Feb 16, 2017 6:11 pm
Forum: Investing - Theory, News & General
Topic: Why is American funds returns too good to be true?
Replies: 45
Views: 5039

Re: Why is American funds returns too good to be true?

Their holdings were probably well suited to the market. Look at what they held during the period of outperformance. It could easily go the other way. T. Rowe Price has a good reputation for active management, but their funds missed out on the tech boom for the most part.
by whodidntante
Thu Feb 16, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 5683

Re: Closed my Roth IRA due to political uncertainty - mistake???

I think several contributors overreacted. Yanking one year's roth contributions out is not a big deal. I dare say it doesn't matter. What concerns me is you are 42 and don't seem to have any investments or a plan for your future. We all retire if we live long enough, because our health will fail. Th...
by whodidntante
Thu Feb 16, 2017 1:34 am
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 62
Views: 4676

Re: Please list value funds you currently use

Domestic: IJS, VBR, IUSV Developed: EFV Emerging: DFEVX, TLTE I see that IUSV changed its benchmark to the S&P 900 value index on 1-23-17. Had to look twice at it's ER, 0.05% isn't bad. I wonder if part of the reason for the benchmark index change was to support a lower ER? I owned IUSV back wh...
by whodidntante
Thu Feb 16, 2017 1:29 am
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 62
Views: 4676

Re: Please list value funds you currently use

Is there a thread for TLTE somewhere? This fund looks pretty interesting for a one-stop EM value fund. It's like a mid cap value fund similar to DFEVX. Low turnover with 2000+ holdings. Would be easier to manage rather than an equal parts strategy of SFENX:QEELX:DGS:EEMS. Does anybody know much abo...
by whodidntante
Wed Feb 15, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Robinhood App- cannot open tax document
Replies: 1
Views: 161

Re: Robinhood App- cannot open tax document

Uninstall the app and reinstall it. It's flaky. This worked for me.
by whodidntante
Tue Feb 14, 2017 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: -$280k Net Worth Has Me Up At Night
Replies: 68
Views: 8821

Re: -$280k Net Worth Has Me Up At Night

You don't have a negative net worth of 280k. Assets-liabilities. Some of those loans have a high enough IR to prioritize their paydown. I would. Do pre-tax contributions instead of Roth. This will improve your cash flow because you will lose less in current year income tax. Use the extra cash to pay...
by whodidntante
Tue Feb 14, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 123
Views: 6690

Re: Credit cards vs. Cash

I sometimes handle a lot of cash, but I don't like it. Cards when I can.
by whodidntante
Tue Feb 14, 2017 12:09 am
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 62
Views: 4676

Re: Please list value funds you currently use

Domestic: IJS, VBR, IUSV
Developed: EFV
Emerging: DFEVX, TLTE
by whodidntante
Mon Feb 13, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Which luxury auto brand depreciates the most?
Replies: 38
Views: 4646

Re: Which luxury auto brand depreciates the most?

My last two luxury cars were chosen because they depreciated the most out of the cars I found desirable. This was an advantage to me because I got a really nice car for little money. Well now you left us hanging. :) Care to share? I went in with friends to start a business and at the same time move...
by whodidntante
Mon Feb 13, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have $0 in cash (except for bills), not even an emergency fund?
Replies: 45
Views: 2188

Re: Does anyone have $0 in cash (except for bills), not even an emergency fund?

Emergency funds became popular once financial planners got tired of seeing people dig a financial grave with their credit cards, each time something unexpected came up. Having a pile of cash also makes some people comfortable. For me, as long as I have lots of liquidity, I don't see a reason to carr...
by whodidntante
Mon Feb 13, 2017 1:37 am
Forum: Personal Consumer Issues
Topic: PC power-up failure
Replies: 38
Views: 2255

Re: PC power-up failure

With the cover removed, push the power button. The CPU fan should spin up. If not, you likely have a dead PSU. You can also test the voltage output. The easiest way is to put a DC voltage meter across the one of the 4 pin peripheral power cables, being careful not to short it. Pin 1 to pin 2 should ...
by whodidntante
Mon Feb 13, 2017 1:22 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401(k) purely to receive rollovers?
Replies: 21
Views: 1504

Re: Solo 401(k) purely to receive rollovers?

I started a similar thread on January 1st.
viewtopic.php?t=206956
by whodidntante
Mon Feb 13, 2017 12:14 am
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 6127

Re: Terrible negotiator - need help with words to use [Buying a car]

Another tip: don't trade-in or at least don't commingle the trade-in negotiation until your new car negotiation is done. It can be difficult to know how much you are really getting on a trade-in if you commingle. They probably are not willing to pay a decent price for your car, and you shouldn't giv...
by whodidntante
Mon Feb 13, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 6127

Re: Terrible negotiator - need help with words to use [Buying a car]

Reset your expectations. It's not about getting the absolute lowest price, but about getting a fair price. If someone gets the same car for $300 less (and someone probably will), more power to them. After finding a car you want, don't enter into negotiation. Indicate interest and that you will think...
by whodidntante
Sun Feb 12, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: Which luxury auto brand depreciates the most?
Replies: 38
Views: 4646

Re: Which luxury auto brand depreciates the most?

My last two luxury cars were chosen because they depreciated the most out of the cars I found desirable. This was an advantage to me because I got a really nice car for little money.
by whodidntante
Sun Feb 12, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Need to replace rear shocks?
Replies: 22
Views: 835

Re: Need to replace rear shocks?

I think it's your shop that needs replacement.
by whodidntante
Sat Feb 11, 2017 1:01 am
Forum: Personal Consumer Issues
Topic: Preferred "disk cloning" software?
Replies: 43
Views: 3202

Re: Preferred "disk cloning" software?

If you want free, there are linux live CDs that can clone a disk. I've done it this way, but I usually opt for a clean install of Windows and I keep my media on separate disks now.
by whodidntante
Fri Feb 10, 2017 9:05 pm
Forum: Investing - Theory, News & General
Topic: Market timing success?
Replies: 25
Views: 3060

Re: Market timing success?

You can't know the future performance of a particular investment strategy today. And a solidly reasoned strategy might underperform cap weighting for many years. For example, look at the underperformance of value in the QE years, and during the years leading up to the dot bomb. That underperformance...
by whodidntante
Thu Feb 09, 2017 11:47 pm
Forum: Investing - Theory, News & General
Topic: Why don't stock prices go up on payday?
Replies: 43
Views: 3618

Re: Why don't stock prices go up on payday?

Cumulative payroll deductions and automatic investments nationwide are not large enough to make the market step change upwards.
by whodidntante
Thu Feb 09, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Building a Computer
Replies: 28
Views: 2641

Re: Building a Computer

Go for quality for the case and PSU. And note that quality doesn't mean buying a PSU with a high power rating. Mid tier seasonic is a decent choice. Find a case on the large side that has good airflow, tool less instation, and filters you can clean. If you buy any fans, opt for ball bearing fans tha...
by whodidntante
Wed Feb 08, 2017 11:29 pm
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 33
Views: 2468

Re: Worth it to get 300 Mbps internet?

I doubt you will notice the increase. And there may not be an increase. Some consumer routers can't sustain the link speed due to bottlenecks in processing, especially if QoS or other features that preclude fast NAT are enabled.
by whodidntante
Wed Feb 08, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: 3-Fund Portfolio with Option Volume
Replies: 6
Views: 659

Re: 3-Fund Portfolio with Option Volume

I suggest you trade options on the funds with the most liquid options market. Sometimes the lack of liquidity is an advantage for a single stock, but I don't see that being the case for an ETF. SPY and certain other funds are not bad long term holdings. But if you prefer to hold vanguard, then sell ...
by whodidntante
Tue Feb 07, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: Multifactor Funds Use
Replies: 13
Views: 841

Re: Multifactor Funds Use

It is fine to avoid cap weighted funds and to buy only multifactor funds. However, it requires high conviction to do that. You may be tested with many years of underperformance while it looks like everyone else is making money. There will also be counterpoints favoring cap weighted investing over th...

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