Search found 5456 matches

by whodidntante
Mon Jun 24, 2019 3:48 pm
Forum: Investing - Theory, News & General
Topic: Effect of trading fees imposed on all stocks and bonds
Replies: 9
Views: 601

Re: Effect of trading fees imposed on all stocks and bonds

We might learn a lot about the nature of the stock market, how asset prices are supported, and why. Or maybe there are other variables that we wouldn't be able to control for.
by whodidntante
Mon Jun 24, 2019 11:02 am
Forum: Investing - Theory, News & General
Topic: Higher risk ETF
Replies: 11
Views: 528

Re: Higher risk ETF

I assure you that VTI is incredibly risky. It just doesn't seem that way in a bull market.
by whodidntante
Mon Jun 24, 2019 8:11 am
Forum: Investing - Theory, News & General
Topic: The problem in retirement we rarely discuss [what to do with stock funds]
Replies: 58
Views: 5657

Re: The problem in retirement we rarely discuss [what to do with stock funds]

Presumably those high cost active funds also have considerable turnover, resulting in significant capital gains distributions along the way which have already been taxed. What's left is a long-term gain. I would probably keep on deferring the tax, but I would certainly take all distributions as cash...
by whodidntante
Sun Jun 23, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: Dealer 30K Service for 2017 RAV4--Unusual Items?
Replies: 49
Views: 3362

Re: Dealer 30K Service for 2017 RAV4--Unusual Items?

Direct Inject engines tend to suffer from carbon buildup on the intake valves. It is a hotly debated issue as to whether to proactively clean the valves or not. That said, putting a cleaner in the fuel tank will not clean this carbon off, because in a Direct Inject engine, fuel with cleaners mixed ...
by whodidntante
Sun Jun 23, 2019 7:20 pm
Forum: Personal Investments
Topic: Heavy concentration in Electric Utilities
Replies: 20
Views: 1606

Re: Heavy concentration in Electric Utilities

I guess being retired and my love of research (let’s say balance-sheets versus talking heads) keeps my interest. The 18 months mentioned in my original post is a sidebar thought regarding political issues, nothing having to do with the strength of individual companies. It seems that managing your u...
by whodidntante
Sun Jun 23, 2019 5:19 pm
Forum: Personal Investments
Topic: Worried about the future/not saving enough
Replies: 39
Views: 4739

Re: Worried about the future/not saving enough

Identify waste in your spending then cut it. If you're eating out too often, stop. If you're taking too many vacations, stop it. If you're paying $200 for cable, pay $100 or become a cord cutter. Don't spend $20k on a new bathroom, but do fix the leaky toilet. If you're spending 5k/yr on a youth soc...
by whodidntante
Sun Jun 23, 2019 3:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer private equity investments? Thoughts?
Replies: 66
Views: 5459

Re: Vanguard to offer private equity investments? Thoughts?

Tycoon wrote:
Sun Jun 23, 2019 7:25 am
I'm am starting to question Vanguard's business plan.
I learned on this forum that the ownership structure of Vanguard is better and the Johnson family et al might trick us out of our money. Try calling in like you own the place. :happy
by whodidntante
Sun Jun 23, 2019 3:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer private equity investments? Thoughts?
Replies: 66
Views: 5459

Re: Vanguard to offer private equity investments? Thoughts?

My thoughts are that it doesn't help me and doesn't hurt me, since I do not expect to invest. When they have investable funds up and running I will take another look.
by whodidntante
Sun Jun 23, 2019 12:52 pm
Forum: Investing - Theory, News & General
Topic: Does investing in US stocks mean investing in US Dollar?
Replies: 19
Views: 1345

Re: Does investing in US stocks mean investing in US Dollar?

Yes, you are long the dollar. It's easy to see that if you take an extreme example. Assume that the dollar falls 50% in relation to the euro over your investment horizon. I don't think many people assume that will be the outcome, but it is in the range of reasonable. How would you expect that impact...
by whodidntante
Sat Jun 22, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4342

Re: Do you Casino? What do you play? Have you won?

Cash game poker only. I do not go to sleep easily and I enjoy playing very long overnight sessions. I enjoy paying close attention to the game and on adapting to the situation/players. I try to figure out what is going on in a hand whether I am in the hand or not. Loose aggressive games used to be m...
by whodidntante
Sat Jun 22, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 165
Views: 12109

Re: what was your worst major purchase? mine is a 2019 mazda3

TBD but I have a nagging suspicion it will be the house I am in now, a 1600 sqft’er bought last year for $1.8M, and appraised 12 months later at the same price. This is after years of double digit appreciation in this Bay Area neighborhood. Did you bite your fingernails completely off by now? :happy
by whodidntante
Sat Jun 22, 2019 8:13 am
Forum: Investing - Theory, News & General
Topic: Small Value vs Multifactor
Replies: 35
Views: 2170

Re: Small Value vs Multifactor

As you have no doubt noticed from the almost daily (OK, daily) factor doubt threads, you're going to need conviction to hold these other than market factor thingies. Other people will pronounce you wrong after a period of underperformance. So I think you should buy the one that you will keep buying ...
by whodidntante
Sat Jun 22, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 165
Views: 12109

Re: what was your worst major purchase? mine is a 2019 mazda3

Trism wrote:
Sat Jun 22, 2019 7:20 am
Toyota Prius my spouse bought after graduate school. It has the style of a suppository and the driving dynamics of a coffin filled with snot.
Wow. I didn't think it was possible for someone to like a Prius less than I do. LOL. But you're not wrong.
by whodidntante
Sat Jun 22, 2019 7:27 am
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 165
Views: 12109

Re: what was your worst major purchase? mine is a 2019 mazda3

I built a very nice 4:3 TV cabinet out of cherry right before LCDs became affordable and mainstream. More a waste of time than of money, but cherry isn't cheap.
by whodidntante
Fri Jun 21, 2019 9:47 pm
Forum: Personal Investments
Topic: Advice on awful 401k
Replies: 11
Views: 1222

Re: Advice on awful 401k

Egads, that is super yucky. You can consider maxing the contributions to get the current year tax deduction, then taking a max 401k loan and investing the money in the most tax efficient way possible, e.g. HSA, IRA, 529, or taxable. Meanwhile you can keep begging for a better plan.
by whodidntante
Fri Jun 21, 2019 8:14 pm
Forum: Personal Investments
Topic: How did you overcome your fear of investing?
Replies: 33
Views: 2272

Re: How did you overcome your fear of investing?

While I believe that almost everyone would be better off by having money invested in the stock market, it is possible to save for financial goals without participating in the stock market. It's just that you'll have to save much more, and inflation will tend to erode what you do save. You could also...
by whodidntante
Thu Jun 20, 2019 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Their Mistake But We Pay a Sizable 401K Termination Fee?
Replies: 7
Views: 1785

Re: Their Mistake But We Pay a Sizable 401K Termination Fee?

I don't see what A has to do with B. A and B were both pretty bad for you. If you're lucky, you can avoid a bad C.
by whodidntante
Thu Jun 20, 2019 9:23 pm
Forum: Personal Investments
Topic: Borrowing to max 403b + IRA?
Replies: 10
Views: 633

Re: Borrowing to max 403b + IRA?

Welcome to the forum. I hereby validate the thing you were probably going to do anyway. :happy

Financially, funding a Roth with borrowed money is a good idea when your income is almost certainly going to skyrocket soon. It's not riskless, but few things are.
by whodidntante
Thu Jun 20, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: Carryon luggage for international travel
Replies: 25
Views: 2255

Re: Carryon luggage for international travel

I've only had my roller bag taken from me on domestic flights (some of which happened outside the USA). It got worse when airlines decided to charge fifty bucks for a checked bag. I've never had a situation where it would not fit in the overhead, just with the overhead bins being full already. Inter...
by whodidntante
Thu Jun 20, 2019 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Interest Only Loans
Replies: 9
Views: 968

Re: Interest Only Loans

HenrySouthernCal wrote:
Wed Jun 19, 2019 9:09 pm
Home buyer shopping for interest only mortgage is a sign of real estate market top.
Not if you know that real estate only goes up. :wink:
by whodidntante
Thu Jun 20, 2019 8:55 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Low-Volatility Investing Works - Sometimes
Replies: 23
Views: 1599

Re: Larry Swedroe: Low-Volatility Investing Works - Sometimes

I check Taylor's post history because he does a nice job of finding all the interesting factor threads for me. :happy whodidntante: It is a hard job trying to keep the Bogleheads Forum focused on the sub-title at the top of this page: "Investing Advice Inspired by Jack Bogle." Best wishes. Taylor W...
by whodidntante
Thu Jun 20, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: Highest % cash back credit card
Replies: 77
Views: 5269

Re: Highest % cash back credit card

If i could do it again, i'd probably rather my wife have a Chase Freedom Unlimited instead of the Citi DC so that we earn Ultimate Rewards points instead of cash back. Why? Are Chase "Ultimate Reward" points greater than 2% cash? I thought I saw the typical math on these points somewhere and it was...
by whodidntante
Thu Jun 20, 2019 5:48 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Low-Volatility Investing Works - Sometimes
Replies: 23
Views: 1599

Re: Larry Swedroe: Low-Volatility Investing Works - Sometimes

nedsaid wrote:
Wed Jun 19, 2019 11:37 pm
We have discussed factor crowding a lot here recently, it just seems the usual suspects with the usual arguments move the discussion from thread to thread.
I check Taylor's post history because he does a nice job of finding all the interesting factor threads for me. :happy
by whodidntante
Thu Jun 20, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital Cash
Replies: 22
Views: 2765

Re: Personal Capital Cash

lepa71 wrote:
Thu Jun 20, 2019 12:03 pm
Does it just make sense to put it to Vanguard Federal Money Market Fund (VMFXX)? It yields 2.32% right now as well. I understand that Personal Capital Cash is FDIC insured but...
Yes. Absolutely. All day.
by whodidntante
Wed Jun 19, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Dealer 30K Service for 2017 RAV4--Unusual Items?
Replies: 49
Views: 3362

Re: Dealer 30K Service for 2017 RAV4--Unusual Items?

If you paid already, you got ripped off. If you didn't pay yet, they aim to rip you off. Either way, I would not do further business with this dealer. When people/businesses/organizations demonstrate they cannot be trusted, believe them.
by whodidntante
Wed Jun 19, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off my mortgage - what to expect?
Replies: 46
Views: 4168

Re: Paying off my mortgage - what to expect?

It seemed silly in this day and age to be conducting business using paper checks through the mail. Yes, how quaint and anachronistic. Banks tend to be that way. They also sent me a coupon book. It's pretty thick, so I use it as a coffee cup coaster. And sometimes I doodle in it. It appears my lende...
by whodidntante
Wed Jun 19, 2019 7:31 pm
Forum: Investing - Theory, News & General
Topic: YouInvest vs. Vanguard
Replies: 6
Views: 769

Re: YouInvest vs. Vanguard

Explorer wrote:
Wed Jun 19, 2019 7:18 pm
stan1 wrote:
Wed Jun 19, 2019 6:56 pm
In a taxable account an exchange is a sell and a buy. It is a taxable event (you would realize a gain or loss).
Incorrect. OP can transfer assets in kind without selling them. Not a tax event.
Incorrect. You are thinking of a transfer in kind.
by whodidntante
Wed Jun 19, 2019 7:30 pm
Forum: Investing - Theory, News & General
Topic: YouInvest vs. Vanguard
Replies: 6
Views: 769

Re: YouInvest vs. Vanguard

Question: Are there any advantages of holding Vanguard funds at Vanguard vs at Chase. I can buy Admiral funds at both locations. Vanguard will allow you to convert certain direct held mutual funds to ETFs without tax implications. No other broker will offer you that. Chase You Invest is pretty basi...
by whodidntante
Wed Jun 19, 2019 7:15 pm
Forum: Investing - Theory, News & General
Topic: Why are 1 month t-bill rates low?
Replies: 10
Views: 1122

Re: Why are 1 month t-bill rates low?

People are happy to lock up at money at that rate. If they weren't, the rates would be higher. That's how the bond market works.
by whodidntante
Wed Jun 19, 2019 6:37 am
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead car [Purchase of storm-damaged car]
Replies: 19
Views: 3345

Re: The ultimate Boglehead car [Purchase of storm-damaged car]

I have been American style kinda poor and have always lived below my means even then. I have owned two salvaged title cars that I purchased for very little money. My friends would make fun of the various issues the cars had but were still my friends. No regrets.
by whodidntante
Mon Jun 17, 2019 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Merrill Edge and Preferred Rewards
Replies: 43
Views: 4384

Re: Merrill Edge and Preferred Rewards

NativeTxn wrote:
Mon Jun 17, 2019 10:29 pm
When I was moving accounts to ME earlier this year, they told me that when you open the checking account, the monthly fee is automatically waived for the first 2 statement cycles.
This is pretty standard. There are ways to waive the fee before you qualify for PR.
by whodidntante
Mon Jun 17, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 11301

Re: With hindsight, what signs indicated you were about to lose your job?

What I learned from this thread is that some companies have chaplains.
by whodidntante
Mon Jun 17, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: Turkish Airlines ?
Replies: 31
Views: 1888

Re: Turkish Airlines ?

jb1 wrote:
Mon Jun 17, 2019 8:24 pm
Try Norwegian airlines
I flew Norweigan only one time, from Stockholm to NYC, when my real flight got canceled and I was tired of being in Sweden. The plane was nearly empty, and it was a newer Boeing Dreamliner plane, but I was surprised they didn't try to charge me for air.
by whodidntante
Mon Jun 17, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 3446

Re: Extend MacBook Battery Life by plugging in as much as possible?

Ok Thanks for talking me through that. My cycle thing says 265 what does that mean? How long can a Macbook go as far as cycles? thanks j You'll probably notice your battery is kaput at 500 cycles. It'll keep working (usually) but the capacity is very clearly reduced. Now that's for full discharge a...
by whodidntante
Mon Jun 17, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Recommendation for light beer.
Replies: 41
Views: 2557

Re: Recommendation for light beer.

JBeck wrote:
Mon Jun 17, 2019 3:22 pm
Switch to whiskey and join the dark side :twisted: :beer :D
This was my solution. You can drink it on the rocks if you want light whiskey.
by whodidntante
Mon Jun 17, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 5806

Re: Are you a member of nextdoor.com? Any concerns registering your info?

I joined and promptly left. It was a lot of bickering and passive aggressive comments from people who were afraid to talk to their neighbors in person. And daily lost pets and found pets. It is fertile ground for trolling and I noticed some people were planting seeds.
by whodidntante
Mon Jun 17, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having heat pump checked every year?
Replies: 7
Views: 1088

Re: Is it a waste of money having heat pump checked every year?

If I had them out I would insist that they either clean the condensate drain or eat their lunch off of it.
by whodidntante
Mon Jun 17, 2019 12:38 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 185
Views: 28293

Re: A way to "thank" posts

Like button or no like button? I don't know. What I do know is that Bogleheads.org has achieved something rare and valuable... insightful, authentic engagement. SOMETHING about the way this community is structured is working quite well, and I'm inclined to think that the current forum design is con...
by whodidntante
Mon Jun 17, 2019 7:05 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 185
Views: 28293

Re: A way to "thank" posts

I am uncomfortable with this change and any other changes. Please keep the 90's era brutalist text interface with no color choices. This is the correct interface for a website. I am not yet ready for 2009's "like" button technology. Besides, I've noticed that suggestions rarely come with a bag of mo...
by whodidntante
Sun Jun 16, 2019 5:33 pm
Forum: Personal Investments
Topic: For those of you who have a factor diversified portfolio, what is yours?
Replies: 52
Views: 3411

Re: For those of you who have a factor diversified portfolio, what is yours?

I would do the same in international, but the funds are too expensive. There is no reasonable international small-value fund which I can use. DLS/DGS are dividend-weighted, which is not the best weighting, and the dividend weighting also makes them undesirable in the taxable account where I would n...
by whodidntante
Sun Jun 16, 2019 9:12 am
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 168
Views: 12356

Re: Why do large personal portfolios include bonds?

It's one thing to realize you could lose two million dollars. It's another thing to actually lose two million dollars. And during a steep and severe drawdown, every piece of news is bad, and suddenly your friends report they "got out" a couple of months ago. And while the US market has so far always...
by whodidntante
Sun Jun 16, 2019 9:05 am
Forum: Personal Investments
Topic: Why are my Vanguard returns suddenly so low?
Replies: 40
Views: 6106

Re: Why are my Vanguard returns suddenly so low?

Jesteroftheswamp wrote:
Fri Jun 14, 2019 12:24 pm
It feels like I suddenly lost a huge amount of money, 3% return is TERRIBLE!
Try -50% on for size. A lot of us here have invested through a drawdown of that size.
by whodidntante
Sun Jun 16, 2019 8:35 am
Forum: Investing - Theory, News & General
Topic: Borrowing money to build a business
Replies: 2
Views: 364

Re: Borrowing money to build a business

While you might be able to get a straight up "business" loan based on your business plan, it will be faster and less expensive to use personal credit. Now, when people need to borrow a gigantic amount of money, they tend to go looking for a gigantic loan. But a few large loans that add up to the sam...
by whodidntante
Sat Jun 15, 2019 1:40 pm
Forum: Investing - Theory, News & General
Topic: Any podcast recommendations about factor investing?
Replies: 3
Views: 365

Re: Any podcast recommendations about factor investing?

Sound investing with Paul Merriman (small, value, and trend following)
Meb Faber ("anything but cap weighting", value, momentum, managed futures, and trend following)
by whodidntante
Fri Jun 14, 2019 6:26 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads vs Hedgefunds [or vs. venture capital]
Replies: 33
Views: 2382

Re: Bogleheads vs Hedgefunds

This is a Vanguard cult and we think costs are very important, so we don't have a high opinion of hedge funds. Some people like real estate as an investment. Otherwise we argue about cars and share water heater tips.
by whodidntante
Thu Jun 13, 2019 7:03 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10852

Re: Retired at 35 and have no friends :(

Broaden your social horizons. You don't have to hang out with office workers who are on a stiff schedule.
by whodidntante
Wed Jun 12, 2019 11:30 pm
Forum: Personal Consumer Issues
Topic: Recommend an American medium size car
Replies: 32
Views: 2320

Re: Recommend an American medium size car

The car you're thinking of isn't made anymore. Car magazines convinced the public that any good car needs to handle like a European sports sedan, with taught suspension, a double overhead cam engine, bolstered stiff seats, and an intrusive center console. A comfortable car is a sign of poor design a...
by whodidntante
Wed Jun 12, 2019 11:05 pm
Forum: Personal Consumer Issues
Topic: Toyota Sienna tire replacement at 12k miles
Replies: 72
Views: 3912

Re: Toyota Sienna tire replacement at 12k miles

I'm not sure why the flat tire failure mode requires special equipment when there are hundreds of other ways that a vehicle can be disabled that you should also be prepared for. My car insurance company will provide roadside assistance for less than $10 a year. Then you can run stop flats with no sp...
by whodidntante
Wed Jun 12, 2019 10:48 pm
Forum: Personal Investments
Topic: Fidelity® Emerging Markets Index Fund FPADX vs DFA Emerging Markets Portfolio DFEMX
Replies: 4
Views: 499

Re: Fidelity® Emerging Markets Index Fund FPADX vs DFA Emerging Markets Portfolio DFEMX

I would gladly pay up for DFA Emerging Markets Value I DFEVX due to the strong value loading and the country cap (which basically mutes China). But I would prefer a float weighted fund like FPADX over DFEMX.
by whodidntante
Wed Jun 12, 2019 10:39 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4085

Re: 50 or 75 gallon water heater?

I recently had a plumber quote $1,200 for a 50-gallon natural gas water heater. I was offended. Is yours fusion powered?