Search found 3082 matches

by whodidntante
Fri Apr 20, 2018 12:12 am
Forum: Investing - Help with Personal Investments
Topic: Grandparents requested our help to manage $300K
Replies: 18
Views: 1601

Re: Grandparents requested our help to manage $300K

First, I would get power of attorney in case someone in that branch of your family tree decides they don't like what you did. I would put it all in a single brokerage account at a major discount broker so you have good options available. A rather short treasury ladder, maybe just T-bills and 2 year ...
by whodidntante
Thu Apr 19, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Buying BRK.B to save $94 annually on insurance?
Replies: 20
Views: 1547

Re: Buying BRK.B to save $94 annually on insurance?

Be careful. We had an A share and we were refused any discount because our "existing discounts" exceeded the Gieko shareholder discount. ie the latter is not an extra discount over and above the discounts you already have. With an A share, call and ask for Warren. how mush an A share worth now? I a...
by whodidntante
Thu Apr 19, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 930
Views: 160311

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

If one was to transfer over 100k to the ally brokerage from the ally savings I would imagine it to be a smooth process. However, for an emergency fund where could one park the money to keep a comparable rate that it was getting in the ally savings? Maybe not worth the hassle for 300$? 1.45%? You ca...
by whodidntante
Thu Apr 19, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 20
Views: 990

Re: Negotiating for a new Toyota.

Dottie57 wrote:
Thu Apr 19, 2018 6:18 pm

His price for the Camry was $200 less than MSRP
The price for RAV4 was same as MSRP.

LOL. Is this a rare Camry?

My reply would be that you can find MSRP yourself, but you'd like to know what his offer is so you can compare it to the other offers you will get. I think he will get the hint.
by whodidntante
Thu Apr 19, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard Personal Advisor Services
Replies: 6
Views: 688

Re: Opinion on Vanguard Personal Advisor Services

No, I don't think it's worth 0.3% a year to get rebalancing and TLH. You can do that yourself in an hour, assuming that it takes 50 minutes for your computer to boot up.
by whodidntante
Thu Apr 19, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Buying BRK.B to save $94 annually on insurance?
Replies: 20
Views: 1547

Re: Buying BRK.B to save $94 annually on insurance?

mikebee wrote:
Thu Apr 19, 2018 2:38 pm

Be careful. We had an A share and we were refused any discount because our "existing discounts" exceeded the Gieko shareholder discount. ie the latter is not an extra discount over and above the discounts you already have.
With an A share, call and ask for Warren.
by whodidntante
Thu Apr 19, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: Bill Bonner: what's your take?
Replies: 21
Views: 1591

Re: Bill Bonner: what's your take?

I had never heard of Bill Bonner, but I like to learn about influential people and cult leaders. So I googled him, and found a gem of a video where he and Alex Jones discussed their economic views of the world. In summary, Bill Bonner talks about the credit cycle, central bank intervention in market...
by whodidntante
Thu Apr 19, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: Goof? Prime MM, "retail," "Admiral," $5 million minimum?
Replies: 20
Views: 2402

Re: Goof? Prime MM, "retail," "Admiral," $5 million minimum?

I think Vanguard missed an opportunity with their share class naming. Investor class should be sailor. Captain class should clearly be the first upgrade. Admiral for institutions.
by whodidntante
Thu Apr 19, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 15
Views: 909

Re: Selling a car: how to get paid?

Wire transfer for a large amount. And I do mean a wire transfer, not ACH, not Paypal, etc.
Cash for a small amount if you are able to identify counterfeit bills.
You may also meet at the bank, but that might be impractical.
by whodidntante
Thu Apr 19, 2018 12:58 am
Forum: Investing - Help with Personal Investments
Topic: EJ Escapee
Replies: 7
Views: 802

Re: EJ Escapee

Congratulations on your release. You'll get better answers if you improve your questions and provide more information about your situation. Otherwise folks are just going to guess what you might want and it'll reflect more their preferences than yours. See the asking portfolio questions sticky and r...
by whodidntante
Thu Apr 19, 2018 12:46 am
Forum: Investing - Help with Personal Investments
Topic: ETFs for cash savings
Replies: 8
Views: 845

Re: ETFs for cash savings

Do you feel Treasury ETFs like SHV or TFLO are decent options for safety and return etc? I don't like TFLO because I wouldn't want to own the underlying asset. Treasury floating rate notes combine the yield of T-bills with the liquidity of Treasury floating rate notes (which is poor). They are an o...
by whodidntante
Wed Apr 18, 2018 11:42 pm
Forum: Personal Consumer Issues
Topic: Perks of Owning Certain Individual Stocks
Replies: 28
Views: 2863

Re: Perks of Owning Certain Individual Stocks

Nate79 wrote:
Wed Apr 18, 2018 11:03 pm
Now how to find shareholder meetings in my city (Portland, OR)?
Some newspapers and local TV stations have a "local stocks" feature. See where the shareholder's meeting is for those companies.
by whodidntante
Wed Apr 18, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 92
Views: 7845

Re: Quitting job - what to do if getting walked to the door

If you are being walked to the door, my suggestion is: strut.
by whodidntante
Wed Apr 18, 2018 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity account customization.
Replies: 2
Views: 419

Re: Fidelity account customization.

Fido probably answers faster and more accurately than we do. :happy
by whodidntante
Wed Apr 18, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: What hedge strategies do you employ?
Replies: 29
Views: 2267

Re: What hedge strategies do you employ?

I have often thought about this subject as well. I live in Texas and our local economy is very tied to the price of oil. I have thought about a slight tilt to things that do well when oil goes down. Perhaps a transportation index??? Some refinery companies (don't know of an index for this)??? If yo...
by whodidntante
Wed Apr 18, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs for cash savings
Replies: 8
Views: 845

Re: ETFs for cash savings

When you state a preference for safety and have a known time horizon, treasuries become a reasonable option. Some people like NEAR, MEAR, and VCSH though.
by whodidntante
Wed Apr 18, 2018 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Use Large Tax Refund for HELOC or 529?
Replies: 21
Views: 925

Re: Use Large Tax Refund for HELOC or 529?

If you wake up in a pool of sweat and regret for paying down the HELOC, you could take a draw and put the borrowed money in the 529.
by whodidntante
Wed Apr 18, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: Lack of FDIC Insurance a big deal?
Replies: 39
Views: 2746

Re: Lack of FDIC Insurance a big deal?

The main risk with Vanguard is the "individual risk" of account servicing brought about by Vanguard's intractably dubious IT infrastructure and accounting. Or did I dream reading about that? Anyway, the fund I have much more confidence in. Commercial paper, T-bills, CDs and the like are very safe an...
by whodidntante
Wed Apr 18, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: EXPAT: Strategy when invested in USA and spending in EUROS
Replies: 35
Views: 1542

Re: EXPAT: Strategy when invested in USA and spending in EUROS

I would use futures at IB to hedge. Do you have any pointers? Just to be clear since I don't want to be out of context, what I would do is what I do. And that is: diversify across currencies. Take half of your US equities, and plop it straight into foreign equities. I wouldn't hedge currency direct...
by whodidntante
Wed Apr 18, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: EXPAT: Strategy when invested in USA and spending in EUROS
Replies: 35
Views: 1542

Re: EXPAT: Strategy when invested in USA and spending in EUROS

I would use futures at IB to hedge. Do you have any pointers? Just to be clear since I don't want to be out of context, what I would do is what I do. And that is: diversify across currencies. Take half of your US equities, and plop it straight into foreign equities. I wouldn't hedge currency direct...
by whodidntante
Wed Apr 18, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Theoretical question. What would happen if 100% of investors are buy and hold.
Replies: 18
Views: 1692

Re: Theoretical question. What would happen if 100% of investors are buy and hold.

For every buyer, there must be a seller. You can't have a functioning market where everyone buys and holds.
by whodidntante
Wed Apr 18, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: How do you know what price to negotiate when buying a used car?
Replies: 28
Views: 1477

Re: How do you know what price to negotiate when buying a used car?

Limiting yourself to "certified" cars is a trap that limits your options and takes away most of your negotiating power. Now, if you have the money and want that specifically, go ahead. But it's unlikely that you'll get what I would consider to be an equitable deal.
by whodidntante
Tue Apr 17, 2018 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Buying T-bills ..help needed
Replies: 6
Views: 664

Re: Buying T-bills ..help needed

Not a bond expert. I can provide you wrong answers until the right ones come along. 1) T-bills are not callable. I'm not sure what Vanguard is doing there. Ask Vanguard. 2a) No, it is automatically redeemed. The money shows up as a margin credit or lands in your core account. 2b) You'll get the yiel...
by whodidntante
Tue Apr 17, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 4891

Re: I want to pay off my mortgage. Am I crazy?

Toons wrote:
Tue Apr 17, 2018 7:04 pm
"We have no debt whatsoever"
Say It over and over.
pay off the mortgage
You won't regret it.
:happy
You're going to have to start being consistent with your recommendations about paying off debt. :wink: :happy
by whodidntante
Tue Apr 17, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: EXPAT: Strategy when invested in USA and spending in EUROS
Replies: 35
Views: 1542

Re: EXPAT: Strategy when invested in USA and spending in EUROS

I don't hedge currency but I do believe in diversifying across currencies, partly because I might retire outside the USA. But if everything I had was invested in USD, and I'm spending in Euros, then I might. I would use futures at IB to hedge. It's very cheap. Each time you need to roll the contract...
by whodidntante
Tue Apr 17, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: IRS struggling to accept electronic filing
Replies: 3
Views: 776

Re: IRS struggling to accept electronic filing

The issue was with the direct pay system. The IRS has announced a one day extension.

https://www.cnbc.com/2018/04/17/treasur ... utage.html
by whodidntante
Tue Apr 17, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Help me explain why pre-tax investing can help when retiring in same bracket
Replies: 67
Views: 4563

Re: Help me explain why pre-tax investing can help when retiring in same bracket

I know some high tax bracket people who drank the "Roth is better" Kool Aid. For the most part, I'm happy that they save and Roth contributions are not bad, still much better than taxable contributions. But here are some points I've made which seemed to work on some level, with those actually wanted...
by whodidntante
Tue Apr 17, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my mom's investments, please.
Replies: 27
Views: 1839

Re: Help with my mom's investments, please.

Get power of attorney and take over management of her accounts, if she agrees. Wellington is 65% stocks, 32% bonds, and 3% cash. You could easily buy the same composition using low cost passive funds at Vanguard or any other low cost provider. Then trade back to Wellington if you wish once the purch...
by whodidntante
Tue Apr 17, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Best High Interest Savings Account?
Replies: 20
Views: 1701

Re: Best High Interest Savings Account?

The interest looks good at these online institutions but my concern is if you want to close your account or if you want to get cash, how do you do it and how fast do you get your money? Close your account -- drain the balance then call or use a secure message. Get cash -- use your ATM card at an AT...
by whodidntante
Tue Apr 17, 2018 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Want to Include Emerging Markets in the Portfolio
Replies: 5
Views: 573

Re: Want to Include Emerging Markets in the Portfolio

1. Vanguard Total International has EM already. If you desire to overweight EM while keeping 50/50 US/International, add a separate EM fund and reduce your allocation to Vanguard Total International by the same amount. Vanguard Emerging Markets Index is a fine fund. I'm using different funds than yo...
by whodidntante
Tue Apr 17, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: How Warren Buffett Won His Multi-Million Dollar Long Bet
Replies: 27
Views: 3319

Re: How Warren Buffett Won His Multi-Million Dollar Long Bet

My main complaint about hedge funds is they don't hedge enough. If I'm going to pay a lot then I expect the fund to provide exposure to difficult to access sources of risk and return and to demonstrate expertise in doing it. A few of these hedge funds seem to be ran by "heros" who place big bets bas...
by whodidntante
Mon Apr 16, 2018 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: How long for irs to pull from checking
Replies: 13
Views: 1470

Re: How long for irs to pull from checking

You could pay your estimated tax with a rewards card. You'll get a month or more of float and the rewards usually offset the fee. Other ways to get money fast include a HELOC and a margin loan. But I'm curious, why can't you get the money from the CDs on the same day? Are you trying to avoid a wire ...
by whodidntante
Mon Apr 16, 2018 9:39 pm
Forum: Investing - Theory, News & General
Topic: Meb Faber/Cambria/Trinity Funds
Replies: 44
Views: 2833

Re: Meb Faber/Cambria/Trinity Funds

Intriguingly, Paul Merriman says that 99% of investors should use a buy-and-hold approach even though he uses a trend following approach with 50% of his portfolio and has for decades. He reports having experienced similar returns with trend following as buy-and-hold over this period but with lower ...
by whodidntante
Mon Apr 16, 2018 8:55 pm
Forum: Investing - Theory, News & General
Topic: Any value investor buying a Russia fund?
Replies: 78
Views: 4250

Re: Any value investor buying a Russia fund?

If Russia had transparency, stability, effective legal protections of foreign investor interests and corporate interests, and a diversified economy, then it would be a screaming buy at these valuations. But as it is today, it's one of the places in the world where you could actually lose 100% of wha...
by whodidntante
Mon Apr 16, 2018 8:46 pm
Forum: Investing - Theory, News & General
Topic: Meb Faber/Cambria/Trinity Funds
Replies: 44
Views: 2833

Re: Meb Faber/Cambria/Trinity Funds

Intriguingly, Paul Merriman says that 99% of investors should use a buy-and-hold approach even though he uses a trend following approach with 50% of his portfolio and has for decades. He reports having experienced similar returns with trend following as buy-and-hold over this period but with lower ...
by whodidntante
Mon Apr 16, 2018 8:30 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Exclude Emerging Markets
Replies: 30
Views: 2965

Re: Larry Swedroe: Don’t Exclude Emerging Markets

I believe I have read in the past that International Small Value May be an even better diversifier than EM because ISV is more dependent on each local economy. Agreed but how can you buy it? Morningstar Premium fund Screener criteria: (Fund Category = Foreign Small/Mid Value) and (Morningstar Ratin...
by whodidntante
Mon Apr 16, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: How much salary did you negotiate?
Replies: 20
Views: 2310

Re: How much salary did you negotiate?

It depends on how much leverage you have. I assume you can realistically add 5% to most offers. Double digits are a stretch in most situations. If they started way to low and they know what you want, you probably won't agree on a number.
by whodidntante
Mon Apr 16, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: Cash instead of bonds?
Replies: 56
Views: 5219

Re: Cash instead of bonds?

Cash used to be taken seriously as an asset class and it was relatively common for fancy finance types to recommend you have some.
by whodidntante
Mon Apr 16, 2018 6:09 pm
Forum: Investing - Theory, News & General
Topic: Tencent now largest non-US stock
Replies: 15
Views: 1920

Re: Tencent now largest non-US stock

Just in time, it looks like it is Tencent's turn to be whipped by the news.

https://www.wsj.com/articles/u-s-is-exa ... 1523910784
by whodidntante
Mon Apr 16, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: How accurately can we measure INFLATION?
Replies: 89
Views: 3417

Re: How accurately can we measure INFLATION?

Horseshoes and wagon wheels are entirely overpriced in 2018!
by whodidntante
Mon Apr 16, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 5554

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

For those who like to fly Allegiant, I predict a wicked fare sale to be coming.
by whodidntante
Mon Apr 16, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Post-Divorce Investment Strategy
Replies: 32
Views: 2602

Re: Post-Divorce Investment Strategy

+1 rent for a while. How to invest the money requires a decision that only you can make about your desired asset allocation. I would indeed invest it according my desired allocation which is stock heavy and therefore risky. I would also do it as tax efficiently as possible. How much could you lose a...
by whodidntante
Mon Apr 16, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 930
Views: 160311

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I thought TDA had an offer for $1000/250k. Yep, here it is: https://www.tdameritrade.com/offer/tdbankoffer/index.html $1,500 $500,000 or more $1,000 $250,000–$499,999 $500 $100,000–$249,999 $200 $50,000–$99,999 $50 $10,000–$49,999 Plus, get a $150 transfer fee rebate with a minimum transfer of $10,...
by whodidntante
Mon Apr 16, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Online Fax Suggestions
Replies: 12
Views: 835

Re: Online Fax Suggestions

I also worry a bit about security with "free" fax services. The fax I sent today included my SS number. In my opinion, faxes are a relic of a bygone age, and I wish they would be abandoned as such. Ding ding ding. I have found that most companies will take the document via a secure online delivery ...
by whodidntante
Mon Apr 16, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 5554

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

I have flown Allegiant once and was met with a five hour flight delay due to mechanical issues. They offered me a voucher for food, $10 I think.
by whodidntante
Mon Apr 16, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: Meb Faber/Cambria/Trinity Funds
Replies: 44
Views: 2833

Re: Meb Faber/Cambria/Trinity Funds

I don't think it's that hard to figure out. He pretty much lays it out in the following paper: http://www.cambriainvestments.com/wp-content/uploads/2016/07/Trinity_DIGITAL_final.pdf As a brief summary, the paper outlines a strategy that allocates as follows: 50% - Buy and Hold (with Value and Momen...
by whodidntante
Mon Apr 16, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 930
Views: 160311

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

TD Ameritrade just upped the ante. https://www.tdameritrade.com/landing-pages/offer/etfcomparisontool/index.html?cid=TVTDACDDRTVV $100 for 25k $400 for 100k $800 for 250k I see there is another offer posted above that might be better. I have 100k that is ready to move. I closed (through ACATS full t...
by whodidntante
Mon Apr 16, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage rate % when tax deferred should take back seat
Replies: 16
Views: 780

Re: Mortgage rate % when tax deferred should take back seat

The common mistake is thinking in nominal terms. If the best rate available to a good borrower was 15%, and inflation is at 0%, then paying that off is a great investment. I'm not enough of an economic historian to say that setup never happened anywhere, but I can tell you that it is unlikely to hap...
by whodidntante
Mon Apr 16, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: How do you determine what internet speed you need?
Replies: 32
Views: 1060

Re: How do you determine what internet speed you need?

I like to have a faster speed, so I can respond to market timing threads quickly. Just kidding. I stream video, video conference, and work from home sometimes. I cycle promos. As soon as the current one ends, I call to cancel, and they give me a better deal for a year or two. I'm actually willing t...
by whodidntante
Mon Apr 16, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: defensive home buying
Replies: 13
Views: 2198

Re: defensive home buying

I usually get lampooned when I say this, but housing is a risk asset. You can have all sorts of outcomes ranging from total loss to making a gigantic amount of money, and beyond upkeep and insurance there isn't a whole lot you can do about it after you buy. You are a participant in the housing marke...