Search found 1354 matches

by whodidntante
Sat Mar 25, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 43
Views: 2060

Re: thoughts on in-ceiling speakers?

Speakers deteriorate and need to be replaced from time to time, not to mention becoming obsolete. I have some 16" woofers in my basement that would now be considered outlandish, but were once easy to find. And those old woofers did not really do the job better than my current 12" powered s...
by whodidntante
Sat Mar 25, 2017 4:18 pm
Forum: Investing - Theory, News & General
Topic: Active Bond Funds Holding Their Own
Replies: 20
Views: 1292

Re: Active Bond Funds Holding Their Own

Active management will probably be reborn and will be done in smarter and less expensive ways. Quant funds like those offered by DFA are already successful. There are some apparent advantages to avoid robotically holding an index.
by whodidntante
Sat Mar 25, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor suggested this - Good idea?
Replies: 41
Views: 2460

Re: Advisor suggested this - Good idea?

You got reasonable advice to take modest risk with the money. I am not a fan of putting a large amount of money in cash except for situations where a loss in nominal terms cannot be tolerated. Think of everything you have as one big portfolio and plan for spending goals. Cash will almost certainly l...
by whodidntante
Sat Mar 25, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 3597

Re: How did you do your income taxes?

TurboTax Premier free from Fidelity. I printed and mailed the state return, like a barbarian.
by whodidntante
Sat Mar 25, 2017 1:56 am
Forum: Investing - Theory, News & General
Topic: When can you transfer in kind?
Replies: 23
Views: 1279

Re: When can you transfer in kind?

You have to look at your plan. If it's mutual fund and not some kind of weird investment trust or a custom fund just for that plan, you have a chance. The plan must allow in kind transfers, and you must find a custodian willing and able to accept the funds. If you have to go to cash and it terrifies...
by whodidntante
Fri Mar 24, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 93
Views: 4873

Re: Virtual Private Networks (VPNs)

Now seems to be a good time to get reacquainted with VPNs. I used one several years ago in conjunction with work, but don't really remember the particulars. Here are some starter questions: 1. Will a VPN cut down on broadband speeds? (Think DSL as well as FIOS) 2. What are some of the more reliable...
by whodidntante
Fri Mar 24, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 41
Views: 1979

Re: What online bank do you use?

All of them, at leaat the ones that have offered me a nice bonus.
by whodidntante
Thu Mar 23, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 56
Views: 4997

Re: Capital One 360 $200 bonus

In the last two months have opened: 2 Chase = $600 2 Wells Fargo = $500 2 Santander = $450 2 Cap One = $400 Total of $1950 It does take a bit of work, especially to make them fee free, but it is worth it. I'm expecting to haul in $2,870 for Q1, just for myself. It's a profitable hobby! Happy huntin...
by whodidntante
Thu Mar 23, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Need Newbie Advice for Large Sum - US or Europe?
Replies: 11
Views: 856

Re: Need Newbie Advice for Large Sum - US or Europe?

I don't like to hedge currency, because it costs money to hedge, and currency fluctuation is a two way street. But the market timer in me says not to convert a bunch of euros to dollars if your time horizon is 5 to 10 years. I therefore bless your purchase of the euro hedged fund. I don't live in Eu...
by whodidntante
Thu Mar 23, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 56
Views: 4997

Re: Capital One 360 $200 bonus

I've posted a few times that I seek out new account bonuses. This is the latest one I did. A lot of the bonuses I earn have bill pay, direct deposit, or spending requirements. However this one pays $200 for a 10k deposit, so it's easy to complete. Read the terms. https://www.capitalone.com/bank/str...
by whodidntante
Thu Mar 23, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 56
Views: 4997

Re: Capital One 360 $200 bonus

In the last two months have opened: 2 Chase = $600 2 Wells Fargo = $500 2 Santander = $450 2 Cap One = $400 Total of $1950 It does take a bit of work, especially to make them fee free, but it is worth it. I'm expecting to haul in $2,870 for Q1, just for myself. It's a profitable hobby! Happy hunting!
by whodidntante
Thu Mar 23, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 56
Views: 4997

Re: Capital One 360 $200 bonus

I have in writing (via Facebook messenger chat with Capital One rep) that there is no take-back on the bonus; I can reduce my balance below $10k at any time. Specifically, I asked about opening a CD with $1k and immediately transferring the other $9k back out to get better interest than 0.6% Yes, y...
by whodidntante
Wed Mar 22, 2017 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Very Sad - Loss of Backdoor Roth IRA all these years
Replies: 19
Views: 4479

Re: Very Sad - Loss of Backdoor Roth IRA all these years

Owning equity ETFs in a taxable account is remarkably tax efficient. The tax drag will make a difference but isn't going to ruin your plans.
by whodidntante
Wed Mar 22, 2017 10:49 pm
Forum: Investing - Theory, News & General
Topic: How to intelligently choose AA - Montecarlo?
Replies: 30
Views: 2418

Re: How to intelligently choose AA - Montecarlo?

A high stock allocation coupled with no behavioral mistakes and no unexpected withdrawals will tend to give higher returns and it's not even close. The severity of drawdowns will also be higher. However, I would eliminate single country risk, even if that single country is the USA. One thing I'm goi...
by whodidntante
Tue Mar 21, 2017 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard have contrarian funds ?
Replies: 25
Views: 1736

Re: Does Vanguard have contrarian funds ?

Vanguard's market neutral fund is poorly run, so I would pass on that even if you're willing to put up the quarter million buy-in. AQR has better options. You can sometimes buy AQR funds at Fidelity without an advisor. I haven't checked recently. Not anymore. They fired AXA Rosenberg in 2010 and th...
by whodidntante
Tue Mar 21, 2017 11:33 pm
Forum: Investing - Theory, News & General
Topic: Motif Investing Implementation of Ultimate Buy and Hold
Replies: 23
Views: 2007

Re: Motif Investing Implementation of Ultimate Buy and Hold

I think the portfolio is fine if you are looking to tilt as he advocates. I wouldn't buy the Motif, but then again I wouldn't buy any Motif unless I was doing it to earn a bonus. Instead I would buy the ETFs individually so I can TLH, rebalance, etc. as I see fit.
by whodidntante
Mon Mar 20, 2017 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard have contrarian funds ?
Replies: 25
Views: 1736

Re: Does Vanguard have contrarian funds ?

Vanguard's market neutral fund is poorly run, so I would pass on that even if you're willing to put up the quarter million buy-in. AQR has better options. You can sometimes buy AQR funds at Fidelity without an advisor. I haven't checked recently.
by whodidntante
Mon Mar 20, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Using the Fidelity Rewards Visa in Europe?
Replies: 20
Views: 1625

Re: Using the Fidelity Rewards Visa in Europe?

I have traveled to Europe a few times a year for the past 15 years so "we've met." American cards are chip and signature unless otherwise bragged about by the issuer. Even cards that are capable of chip and PIN will default to chip and signature. The Fidelity card will be chip and signatu...
by whodidntante
Mon Mar 20, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 long-term investment: Mutual Fund vs. ETF?
Replies: 23
Views: 857

Re: S&P 500 long-term investment: Mutual Fund vs. ETF?

Fidelity provides free dividend reinvestment for any stock or ETF. Buy IVV.
by whodidntante
Mon Mar 20, 2017 1:05 am
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 3338

Re: 15% International Small-Cap vs 30% Total International

rollsound wrote:thanks Larry Swedroe. I agree, waiting for a intl Vanguard SCV index fund to appear...


Vanguard would probably screw that up. It'll be cheap, but not SCV.
by whodidntante
Mon Mar 20, 2017 12:27 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9304

Re: Anyone else taking less risk

I wouldn't say I'm taking less risk, but I have been cash flowing into more fixed income lately. For a long-time 100% stock guy, that might represent "less risk." I'll probably dump it all into stock if the market gets a haircut. :twisted: For the market timing police, save your words, I a...
by whodidntante
Mon Mar 20, 2017 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Using the Fidelity Rewards Visa in Europe?
Replies: 20
Views: 1625

Re: Using the Fidelity Rewards Visa in Europe?

For getting cash at bank ATMs, I did have to enter the card's PIN, so make sure you have that memorized. I always like to have plenty of cash in Europe since many restaurants won't take cards. Had quite a scare once at a business dinner in Paris once when I figured out that the French at the bottom...
by whodidntante
Mon Mar 20, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Using the Fidelity Rewards Visa in Europe?
Replies: 20
Views: 1625

Re: Using the Fidelity Rewards Visa in Europe?

I have traveled to Europe a few times a year for the past 15 years so "we've met." American cards are chip and signature unless otherwise bragged about by the issuer. Even cards that are capable of chip and PIN will default to chip and signature. The Fidelity card will be chip and signatur...
by whodidntante
Mon Mar 20, 2017 12:15 am
Forum: Investing - Theory, News & General
Topic: Harvard endowment beats S&P 500 by 2% a year over last 40 years
Replies: 50
Views: 5942

Re: Harvard endowment beats S&P 500 by 2% a year over last 40 years

It's reasonably easy to beat the S&P 500. Just take more risk, and get lucky.
by whodidntante
Mon Mar 20, 2017 12:13 am
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 14111

Re: "Millionaire Next Door" Net Worth Formula

It's a very handy rule of thumb for assessing one's net worth status. Expected Net Worth = Age(years) * total_income * 10% I'm ahead of it. But I overweight stocks, size, value, and EM. One economic shock and I'm behind it. It's a terrible rule for any kind of high income professional. I think I'm ...
by whodidntante
Mon Mar 20, 2017 12:11 am
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 95
Views: 6234

Re: cost of Solar Power

Are you designing the system yourself? How much space are you able to allocate to panels, and is the space in a good location with no shadows and with direct sunlight? Do the math on the solar panels to determine how much you can reasonably expect to generate, and look at their cost. Then look at th...
by whodidntante
Mon Mar 20, 2017 12:04 am
Forum: Investing - Help with Personal Investments
Topic: Emergency fund - in Prime Money Market?
Replies: 7
Views: 677

Re: Emergency fund - in Prime Money Market?

Don't have one, problem solved.
by whodidntante
Mon Mar 20, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 79
Views: 3238

Re: Best way to expand my vocabulary?

Local universities often have free speeches and seminars you can attend. Go to those if the material is even slightly interesting to you. Also, start using a thesaurus to help you find words that more precisely fit your meaning.
by whodidntante
Sun Mar 19, 2017 12:03 am
Forum: Investing - Theory, News & General
Topic: Investing in - WATER - thoughts
Replies: 57
Views: 3547

Re: Investing in - WATER - thoughts

I would buy Xylem. They are going to benefit greatly from infrastructure building.
by whodidntante
Sat Mar 18, 2017 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 6079

Re: Am I Addicted

Addictions are no laughing matter and involve negative consequences to yourself or others. If your SO leaves because you bought stock instead of dinner, you are addicted.
by whodidntante
Sat Mar 18, 2017 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 7996

Re: Citi card Nightmare

Nice user name.
by whodidntante
Sat Mar 18, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 2669

Re: Relocation to Milwaukee

Wisconsin is a high tax state. I doubt it will eat your entire 10% bump in a marginal analysis. I'm familiar with Milwaukee though I have never worked there. It does have significant poverty and run down areas but I enjoy the town especially in the summer.
by whodidntante
Sat Mar 18, 2017 2:54 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 329
Views: 36937

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I'm liking this one, tdamertrade will give you (depending on your existing account for some reason) $200 for referring someone new and who puts in $3000 within 45 days. scottrade and ameritrade will be one and the same next year so referring people who are already at scottrade is not adding complex...
by whodidntante
Sat Mar 18, 2017 11:25 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 329
Views: 36937

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I'm liking this one, tdamertrade will give you (depending on your existing account for some reason) $200 for referring someone new and who puts in $3000 within 45 days. scottrade and ameritrade will be one and the same next year so referring people who are already at scottrade is not adding complex...
by whodidntante
Sat Mar 18, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 14111

Re: "Millionaire Next Door" Net Worth Formula

RoadHouseFan wrote:
RoadHouseFan wrote:It's a very handy rule of thumb for assessing one's net worth status.


Expected Net Worth = Age(years) * total_income * 10%


I'm ahead of it. But I overweight stocks, size, value, and EM. One economic shock and I'm behind it.
by whodidntante
Sat Mar 18, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 14111

Re: "Millionaire Next Door" Net Worth Formula

rabbitrun wrote:I'm 37 and so far off its kind of comical. :shock:


To the upside, right? :moneybag
by whodidntante
Fri Mar 17, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Camcorder recommendations
Replies: 45
Views: 1752

Re: Camcorder recommendations

Do you have a routine about Edward Jones?
by whodidntante
Fri Mar 17, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds for a 30s couple?
Replies: 20
Views: 1981

Re: I-Bonds for a 30s couple?

I wasn't comparing it to a CD there, just making a statement that the likely outcome of owning an IBond is that you lose money in real terms due to taxes. If you buy a CD instead, it's also likely that you will lose money in real terms, but not always. For example, if you own a 6% CD in an environm...
by whodidntante
Thu Mar 16, 2017 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds for a 30s couple?
Replies: 20
Views: 1981

Re: I-Bonds for a 30s couple?

The most likely result is you'll lose a bit of money in real terms, approximately your tax rate. I prefer nominal fixed income most of the time, but I don't think it's crazy to buy IBonds right now if you are holding fixed income in a taxable account. I tepidly endorse IBonds. You mean vs a CD? I g...
by whodidntante
Thu Mar 16, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds for a 30s couple?
Replies: 20
Views: 1981

Re: I-Bonds for a 30s couple?

It's basically a 30 year CD that: - is indexed to inflation (variable rate) - is illiquid for the first year. - can be cashed in for no penalty after 5 years, and for 3 months interest penalty if > 1 year or < 5 years. - has some tax advantages that CDs don't have. You can opt to defer taxes and you...
by whodidntante
Thu Mar 16, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: won a car - want to sell
Replies: 13
Views: 2856

Re: won a car - want to sell

bloom2708 wrote:Congrats. List the type of car. Bogleheads needs a classified section. If it is a Subaru you will be golden.


If it's a Subaru, I understand why the OP wants to sell it.
by whodidntante
Wed Mar 15, 2017 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: EFV Fidelity
Replies: 2
Views: 232

Re: EFV Fidelity

I noticed this and bought in some time ago. It's a decent holding. I was too lazy for a PSA.
by whodidntante
Wed Mar 15, 2017 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Redneck/All American Bank
Replies: 17
Views: 2175

Re: Redneck/All American Bank

I currently have 25k in mine, but only as a staging area for my next round of new account promos. It's be down to a hundred bucks or so soon. The horse debit cards works well for stuffy occasions. Do you accept horse card?
by whodidntante
Wed Mar 15, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 4912

Re: What to do with $100???

Give it to bogleheads.org
by whodidntante
Wed Mar 15, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you save for large purchases?
Replies: 42
Views: 2755

Re: Where do you save for large purchases?

I borrow for large purchases because rates are low right now. I owe 120k and it costs me $2,100 a year. I'll happily take those terms.
by whodidntante
Wed Mar 15, 2017 12:41 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on these Indexes, ETFs, or mutual funds?
Replies: 14
Views: 1078

Re: Thoughts on these Indexes, ETFs, or mutual funds?

Those are fine, maybe. You will get better advice if you ask the question in the usual way for this site. Someone less lazy than me will provide a link.
by whodidntante
Wed Mar 15, 2017 12:37 am
Forum: Personal Finance (Not Investing)
Topic: My Lehman Brothers windfall!!!
Replies: 22
Views: 4067

Re: My Lehman Brothers windfall!!!

I'm glad your greater place in line as a bondholder came to the rescue. :D

I refer to the Financial Crisis as Hurricane Lehman.
by whodidntante
Wed Mar 15, 2017 12:34 am
Forum: Investing - Theory, News & General
Topic: The Party is Over: Andrews FCU drops rate on 7-year CD to 2.2%
Replies: 60
Views: 5785

Re: The Party is Over: Andrews FCU drops rate on 7-year CD to 2.2%

Kevin, your points are taken. My fixed income allocation is very low, and preferences matter more than optimization.
by whodidntante
Wed Mar 15, 2017 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Bond index funds too high ratio for portfolio. Suitable ETF?
Replies: 9
Views: 419

Re: Bond index funds too high ratio for portfolio. Suitable ETF?

I don't recommend long bonds. The interest rate risk coupled with poor yields right now is not a great combo. This one is intermediate term. I also don't recommend TIPS but the case is building so it's not as far wrong as it was a year ago. https://www.ishares.com/us/products/239458/ishares-core-tot...
by whodidntante
Tue Mar 14, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: The Party is Over: Andrews FCU drops rate on 7-year CD to 2.2%
Replies: 60
Views: 5785

Re: The Party is Over: Andrews FCU drops rate on 7-year CD to 2.2%

Tycoon wrote:3% interest rates just don't do it for me...


Exactly. After tax and inflation, it's probably a loss. And direct CDs within an IRA are a bit of a hassle. I would rather keep the money at a broker and transfer in kind for the new deposit bonus.

Go to advanced search