Search found 3529 matches

by whodidntante
Mon Jul 16, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 56
Views: 2305

Re: Anyone not have a Budget?

I use a spreadsheet to track the impending monthly doom that will befall my Fidelity CMA account, so that I do not overdraft and incur a margin debit. I only keep a few weeks of cash on hand and the rest is in the capital markets. But I don't care if I spend $150 vs $100 on gas, etc. I prefer to mak...
by whodidntante
Sun Jul 15, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 14
Views: 1463

Re: Where to get a $100 bill?

Casino. Might as well gamble too.
by whodidntante
Sun Jul 15, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me get to 80/20
Replies: 4
Views: 508

Re: Please help me get to 80/20

The previous posted proposed a layout across the accounts, so I'm adding on some possibilities for international SCV. On the international SCV side, the best offerings are from DFA. I have not seen a great international SCV fund that is low cost and available without an advisor. DGS WisdomTree Emerg...
by whodidntante
Sun Jul 15, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 51
Views: 3007

Re: FireCalc: How big a grain of salt?

Expected returns are low, particularly for domestic stocks. So I think firecalc is going to give you an optimistic answer.
by whodidntante
Sun Jul 15, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Please help me get to 80/20
Replies: 4
Views: 508

Re: Please help me get to 80/20

How much of a small value tilt do you want? Are you trying to achieve a certain factor loading, a certain M* style box, or do you just want x% in a fund with "small value" in the name? Do you also want a small value tilt for international emerging and international developed? How much?
by whodidntante
Sun Jul 15, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Abundance came late, now I'm overwhelmed playing catch up
Replies: 25
Views: 3936

Re: Abundance came late, now I'm overwhelmed playing catch up

Apparently risk aversion runs in my family but didn't rub off on me. My grandmother never owned stocks in her life, and kept her money in CDs at the local bank. My mother and father have annuities and CDs and probably too much cash, but my father is at least skilled at finding competitive rates. He ...
by whodidntante
Sun Jul 15, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Inlaws need $50k loan for new home, hard time finding lenders
Replies: 17
Views: 2256

Re: Inlaws need $50k loan for new home, hard time finding lenders

mortfree wrote:
Sat Jul 14, 2018 8:39 pm
Borrow more (100k for instance) and then pay a lump amount after the first payment is due (????)
That is what I would do, if the rate were high at least.
by whodidntante
Sat Jul 14, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: Why is leveraging property good but leveraging stocks bad?
Replies: 87
Views: 5450

Re: Why is leveraging property good but leveraging stocks bad?

When was the last time you heard of house prices falling? All the time. In 2006-2008, they fell 50%. In some cities, even more. A house is an undiversified risk asset. Some people buy a "bad" property that ends up having a major issue affecting it's value, or even something happens nearby that affe...
by whodidntante
Sat Jul 14, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 50
Views: 5466

Re: Be Careful Using Mailboxes

It's a reasonable security precaution to eliminate the use of checks from your life. You'll be fine because it is no longer 1940 and there are typically better options available. Specifically, use credit cards, bill payment services, mobile payments, ACH, Zelle, Paypal, and wire transfers. I guess y...
by whodidntante
Sat Jul 14, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: Why is leveraging property good but leveraging stocks bad?
Replies: 87
Views: 5450

Re: Why is leveraging property good but leveraging stocks bad?

Leverage is not bad for stocks. I am unapologetically leveraged. I didn't chose a margin loan to do it, instead, I have four fixed rate loans with APRs of 0%, 0%, 1.89%, and 3.125%. I carry this debt for cheap leverage, tax deferral, and the three lowest rate loans are a profitable investment in the...
by whodidntante
Sat Jul 14, 2018 7:52 am
Forum: Investing - Theory, News & General
Topic: Which Brokerage to use strictly for Brokered CDs
Replies: 18
Views: 1328

Re: Which Brokerage to use strictly for Brokered CDs

I think Fidelity would be a good choice. I've bought treasuries there before and the interface works great. Their rates seem on the high end for brokered CDs, though there are slight differences day to day and the highest rate crown does get passed around.
by whodidntante
Fri Jul 13, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9909

Re: COMING SOON: BOGLEHEADS PODCASTS

-Bogleheads Cap-Weighted Radio People with fancy degrees decided it was better to float weight indexes than to cap weight them. Although some of them unfortunately had a B.A., the school was still really expensive. -Bankin' Dat Scrilla with Bogleheads I guess we can end the contest now, having foun...
by whodidntante
Fri Jul 13, 2018 5:33 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9909

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads, Bogleheads, Bogleheads!
by whodidntante
Thu Jul 12, 2018 11:30 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9909

Re: COMING SOON: BOGLEHEADS PODCASTS

As the Sail Blows
by whodidntante
Thu Jul 12, 2018 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: E*TRADE International Stock Index Funds
Replies: 4
Views: 211

Re: E*TRADE International Stock Index Funds

IXUS is the best foreign float weighted index fund in my opinion. I have a nice little chunk myself. It has emerging markets, small cap stocks, and tax efficiency. Buy early and often.
by whodidntante
Thu Jul 12, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9909

Re: COMING SOON: BOGLEHEADS PODCASTS

The factor investing mortgage payoff podcast.
Tanelorn on Hedge Funds.
From diehard to livesoft.
Toons says to just pay it off.
by whodidntante
Thu Jul 12, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: Bonds in rising interest rate environment
Replies: 12
Views: 1026

Re: Bonds in rising interest rate environment

Low yielding bonds are not a good idea from an expected return point of view, but folks around these parts see fit to buy them anyway. They must have different reasons than expected returns. What is the problem you are trying to solve?
by whodidntante
Thu Jul 12, 2018 5:53 pm
Forum: Investing - Theory, News & General
Topic: Direct Real Estate Returns
Replies: 64
Views: 3281

Re: Direct Real Estate Returns

People say all kinds of things to defend their darlings. But if I could RELIABLY get 18% net a year on the total investment exposure where I live now with acceptable risk that does not involve being an on call maintenance guy and renter qualifier guy, and eviction expert who is unable to go on vacat...
by whodidntante
Thu Jul 12, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9909

Re: COMING SOON: BOGLEHEADS PODCASTS

Rich Cheapskates
by whodidntante
Thu Jul 12, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Amex in Europe
Replies: 18
Views: 988

Re: Amex in Europe

I've had luck using AmEx in Europe. Maybe you know already, but you cannot assume universal credit card acceptance in Europe. It depends on where you are going and what you are doing. And there are still issues that show up if you do not have a chip and PIN priority card. For example, I could not bu...
by whodidntante
Wed Jul 11, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5282

Re: Anyone take naps at work?

The real question is if anyone is awake.
by whodidntante
Wed Jul 11, 2018 11:02 pm
Forum: Investing - Theory, News & General
Topic: Dow 40000 prediction for 2025
Replies: 44
Views: 3798

Re: Dow 40000 prediction for 2025

I just got back from 2025, and I can say this prediction is remarkably accurate. Unfortunately, inflation averaged 9% and the dollar lost a third of it's value after the rise of regional reserve currencies. But the worst part is that beef is illegal in the future.
by whodidntante
Wed Jul 11, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: Disappointed with Fidelity's Online Interface
Replies: 19
Views: 1485

Re: Disappointed with Fidelity's Online Interface

There is science supporting that people are much more accepting of incremental changes. Individuals may claim they want revolutionary or highly innovative designs that are a step change better, but they don't. They want the system they had before with some minor tweaks. Look at the behavior of auto ...
by whodidntante
Tue Jul 10, 2018 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Mega backdoor Roth: confusing form for in-service withdrawal
Replies: 7
Views: 386

Re: Mega backdoor Roth: confusing form for in-service withdrawal

Thanks tfb and magicrat. I'll try customer service one more time, but I think they are unable to split. The form was supposed to be the "power user" way of doing this rollover. The other person I spoke to on the phone could not do anything that I could not do online. I've considered writing a letter...
by whodidntante
Mon Jul 09, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Mega backdoor Roth: confusing form for in-service withdrawal
Replies: 7
Views: 386

Re: Mega backdoor Roth: confusing form for in-service withdrawal

Can you do it as two steps? Roll the basis (a known $ amount) to a Roth IRA. Then, once that's done, roll 100% to a traditional (since it will all be growth). I suspect that the I would owe prorated taxes since you are not allowed to withdraw the after tax contributions without the earnings. I coul...
by whodidntante
Mon Jul 09, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mega backdoor Roth: confusing form for in-service withdrawal
Replies: 7
Views: 386

Re: Mega backdoor Roth: confusing form for in-service withdrawal

Likely not the best answer, but could investor move the funds to cash, figure out the numbers, and then complete the form? Or Fill in the known number for the amount to go to roth, and for the amount to go to tIRA put “remaining balance” The plan does not have a zero yielding investment, and I can'...
by whodidntante
Mon Jul 09, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Issue (Cold Freezer-Warm Fridge)
Replies: 11
Views: 569

Re: Refrigerator Issue (Cold Freezer-Warm Fridge)

I had the exact same problem with a Kenmore Refrigerator, the fan that draws air from the freezer section and cools the refrigerator section had stopped rotating. Internet search of your model should provide location of fan. Yep. I believe it's called a mixing fan. Mine is at the top of the refrige...
by whodidntante
Mon Jul 09, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Mega backdoor Roth: confusing form for in-service withdrawal
Replies: 7
Views: 386

Mega backdoor Roth: confusing form for in-service withdrawal

Background: the investor has been making significant after-tax 401k contributions and has modest earnings on those contributions. The exact amount of earnings change daily and cannot be known in advance. The investor would like to move the after-tax contributions to a Roth IRA, and the earnings on t...
by whodidntante
Mon Jul 09, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5665

Re: Any Dry Powder Strategies?

dknightd wrote:
Mon Jul 09, 2018 7:43 pm
TheTimeLord wrote:
Mon Jul 09, 2018 8:35 am
Vanguard Balanced Index and Fidelity Puritan Funds.
Sorry, I should have looked before. I agree with others, these do not look like "dry powder" funds to me.
It's more conservative than a stock index. I think that's the point.
by whodidntante
Mon Jul 09, 2018 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should I exchange total bond market for stable value fund
Replies: 13
Views: 1070

Re: Should I exchange total bond market for stable value fund

You should not expect much of a real return from bonds right now. But YTM on longer maturity bonds are expected to rise slowly, not quickly. I doubt you'll get killed holding TBM.

Image

Source: Wall Street Journal Econ Forecast
by whodidntante
Mon Jul 09, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5665

Re: Any Dry Powder Strategies?

We know what dry powder is. Are common, easy to understand metaphors allowed here? I say they are.

Adopting a more conservative allocation waiting for a crash is fine if you have enough money already, but trend following is likely a more successful market timing strategy. What's your objective?
by whodidntante
Mon Jul 09, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with recruiters
Replies: 20
Views: 1915

Re: Dealing with recruiters

Yes, it's reasonable to require a salary range. You might miss out on some interviews but it sounds like that is the point. When I use a recruiter I do tell him a salary range because I don't want to waste time talking to people who have unrealistic expectations for the position.
by whodidntante
Mon Jul 09, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Anyone use Gate 1 Travel?
Replies: 15
Views: 1435

Re: Anyone use Gate 1 Travel?

I would not enjoy travelling in a cohort at all, but their prices look very low if you would. I prefer immersion with occasional capitalution to hire a driver or a private guide. Much more enjoyable to me.
by whodidntante
Sun Jul 08, 2018 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: BofA HSA has brought back Vanguard Funds
Replies: 7
Views: 970

Re: BofA HSA has brought back Vanguard Funds

The HSA is a separate account from the checking/savings account. The HSA has its own website. As far as the fee waiver, maybe dodecahedron could give you more details. VFANX The HSA fee waiver isn't automatic, unlike most (all) other Platinum Preferred benefits. I had to email someone at the BoA HS...
by whodidntante
Sun Jul 08, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Switch to active management from buy and hold
Replies: 8
Views: 551

Re: Switch to active management from buy and hold

It's going to be really tough for active management overcome a 1% fee + the fees on the underlying investments. You can observe the effect of this more cheaply by pulling a $100 bill from your wallet and lighting it on fire now and then.
by whodidntante
Sun Jul 08, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5300

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

For those skeptical, there is a point to changing brake fluid on an aging car. The personal anecdotes about not changing brake fluid and not dying as a result are irrelevant. I agree it probably won't kill you, but I like to do my gambling at a card table.
by whodidntante
Sun Jul 08, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Used Honda - How to confirm it was serviced on time?
Replies: 18
Views: 1186

Re: Used Honda - How to confirm it was serviced on time?

I have bought many used cars and used motorcycles in my life including some real hoopties. Prior to buying the car, I've looked it over thoroughly and I already know the condition of the brakes, serpentine belt, tires, whether the ECU has been reset to hide a diagnostic code, whether the suspension ...
by whodidntante
Sun Jul 08, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 110
Views: 15546

Re: "10 Savvy Ways You Can Spot Fake Reviews"

Bogleheads: First time Boglehead posters bashing a non-financial product may be real but good investors are skeptical. This article will help spot impostors: 10 Savvy Ways You Can Spot Fake Reviews Best wishes. Taylor +1. The original post reads (to me) as very overly dramatic and has so many clich...
by whodidntante
Sun Jul 08, 2018 3:19 am
Forum: Personal Finance (Not Investing)
Topic: Checkbook balancing software?
Replies: 31
Views: 1621

Re: Checkbook balancing software?

It's noble to help someone in need, but if you need to help this relative run their finances, you will need to do it your own way. Balancing a checkbook is obsolete with modern banking. It is sufficient and actually more useful to closely monitor the transactions in the account. In your shoes, I wou...
by whodidntante
Sun Jul 08, 2018 12:21 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1036
Views: 183414

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

HSBC has a $750 bonus on $100k for 90 days. Investments count even though you know HSBC as a bank. The account requires you to maintain 100k or you are charged a $50/mo fee. https://www.us.hsbc.com/checking-accounts/campaigns/premier-offer-2018/ Every penny I have is currently earning me a bonus som...
by whodidntante
Sat Jul 07, 2018 5:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard factor funds slow to catch on
Replies: 58
Views: 6197

Re: Vanguard factor funds slow to catch on

Given the way these are constructed with positions all the way into the microcaps current shareholders would not want these funds to get too big correct? LIke maybe 1 billion in assets might be optimal but not 10 billion. I'm worried about this too; and since Vanguard model is based on ever-growing...
by whodidntante
Sat Jul 07, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic allocation and rebalancing platform.
Replies: 8
Views: 321

Re: Automatic allocation and rebalancing platform.

I believe that you are looking for M1 Finance. Please look at their offering and let us know.
by whodidntante
Sat Jul 07, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3187

Re: Trying to hit grand slam with small % portfolio?

I don't really see the point of a small bet, unless you are doing this for entertainment.
by whodidntante
Sat Jul 07, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5300

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

What does the maintenance schedule say? For maintenance items, you should follow the manufacturer recommendations, not what the salesman you talk to at the dealer service counter says. Know this before you go and refer to it as you're being sold to. The price for everything you listed is too high. Y...
by whodidntante
Sat Jul 07, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: 401k loan to pay off debt?
Replies: 37
Views: 1602

Re: 401k loan to pay off debt?

I have never taken a 401(k) loan, for the simple reason that if one looses his job, the 401(k) loan is immediately due or it would be treated, and taxed, as an early withdrawal. Some version of this gets posted to every 401k loan thread. It's wrong every time. What is the correct answer? A little r...
by whodidntante
Sat Jul 07, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Since ETFs will be free to trade at VG - any better choices for small/value besides VBR/VSS?
Replies: 7
Views: 608

Re: Since ETFs will be free to trade at VG - any better choices for small/value besides VBR/VSS?

Better in what sense? Smaller/more value-y If that is your only requirement then VIOV is much smaller than VBR. Fees are a bit higher but you didn’t mention worrying about that. IJS is another popular option. Not sure about international. I use VSS as well. SYLV tracks the same index, is a bit chea...