Search found 4008 matches

by whodidntante
Mon Oct 15, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: how to find 401k fees
Replies: 16
Views: 1448

Re: how to find 401k fees

I have Empower. My fees are available online. I go to Plan Information->Disclosure Notices->Current Investment Returns & Fee Comparison. I have several low cost options in my plan from Vanguard, DFA, and State Street. I can and do keep my costs low. Your options may not be as good. Much depends on b...
by whodidntante
Mon Oct 15, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend lost job, getting a lump sum severance... What should we do next
Replies: 36
Views: 2796

Re: Girlfriend lost job, getting a lump sum severance... What should we do next

What do her employment prospects look like? Roll the 401k to a traditional IRA, assuming pre-tax contributions. If she ends up with a low income year, don't waste the opportunity for Roth conversions. Cobra isn't that bad cost wise. It's basically current cost+what your employer used to pay+modest a...
by whodidntante
Mon Oct 15, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 68
Views: 3050

Re: How Much Is Your Sewer Bill?

Sometimes I think I should pay more.
by whodidntante
Mon Oct 15, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 80
Views: 4841

Re: When to stop putting money into an older vehicle

I'm a little curious why you wouldn't leave it unlocked and engineer a cheap ignition switch. Is this your first hooptie?
by whodidntante
Mon Oct 15, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: Should I sell Microsoft Bond
Replies: 16
Views: 955

Re: Should I sell Microsoft Bond

Shortening duration and the complete elimination of credit risk sounds like a good deal to me.
by whodidntante
Sun Oct 14, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5600

Re: What the heck is growing in my yard?

I have a bunch of these (almost the size of a shoebox)! I removed around 6 trees from my yard a few years ago, and they're popping up where the biggest roots were. They are obnoxious, but they are easily removed. I lightly kick them, and they disconnect from the ground in one piece. That sounds lik...
by whodidntante
Sun Oct 14, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Muscular Portfolios Questions
Replies: 9
Views: 976

Re: Muscular Portfolios Questions

I think you'll have to summarize the musclely portfolio in order to get a useful response.
by whodidntante
Sun Oct 14, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: Does international really buy you diversification?
Replies: 43
Views: 4352

Re: Does international really buy you diversification?

"U.S. Stocks Have Been an Anomaly in Global Markets. Not Anymore." https://www.wsj.com/articles/u-s-stocks-have-been-an-anomaly-in-global-markets-not-anymore-1539522000?mod=hp_lead_pos2 “We have seen a rapid shakeout of very crowded and over-owned U.S. assets,” said Chris Weston, head of research at...
by whodidntante
Sun Oct 14, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Bed bug problem attack plan
Replies: 18
Views: 1690

Re: Bed bug problem attack plan

Bed bugs do not transmit disease, so It would be cheaper to live with them and they will help you lose weight. But if you decide to eradicate, do it yourself and trust no one. I would go with the approach where you superheat the room for hours, because that sounds like a fun project.
by whodidntante
Sun Oct 14, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]
Replies: 24
Views: 1483

Re: DGS: Own it? Opinions on it?

One note about EWX and EEMS is that while they don't have the inherent value tilt of DGS, they make money hand over fist on securities lending that makes up for the ER. EEMS made $906k in securities lending revenue in 2017, versus expenses of 1.3 million. https://www.ishares.com/us/library/stream-d...
by whodidntante
Sat Oct 13, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Drop in MPG (09 Civic)
Replies: 24
Views: 1300

Re: Drop in MPG (09 Civic)

I think ignition coils/plugs are unlikely. If you don't have good ignition you'll throw out unburned fuel. If you're throwing out that much unburned fuel it will occasionally burn in the exhaust pipe, and your catalytic converter will not live long. It tends to manifest as a misfire and it'll set a ...
by whodidntante
Sat Oct 13, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k confusion with market
Replies: 19
Views: 1485

Re: New 401k confusion with market

For simplicity purposes should I just let both accounts ride with a 3 stock porfolio aggressive? From what I've learned and understood so far (I am a rookie) can someone give me an opinion on this logic? Should one adjust for maximum gains? in a bull market (not to go aggressive on stocks) and in a...
by whodidntante
Sat Oct 13, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: 1% Balance Transfer - Uber Barclays Visa
Replies: 16
Views: 754

Re: 1% Balance Transfer - Uber Barclays Visa

A balance transfer does not award points. There is an arbitrage opportunity with your offer and I would take it, but it's a razor thin profit you will earn. I frequently take advantage of 0% purchase APR offers that accumulate points and do not involve a fee. These are usually only available for sig...
by whodidntante
Sat Oct 13, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Stinky Car After Changing Cabin Air Filter
Replies: 6
Views: 778

Re: Stinky Car After Changing Cabin Air Filter

There are a lot of causes for bad odors. Water intrusion can cause mold/mildew and is relatively common, as is smoking and rotting food. Some odors can really linger. Does it smell of death? Is the odor always present or does it get much worse if you turn the fan on? If you think it's a dead mouse I...
by whodidntante
Sat Oct 13, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 38
Views: 2457

Re: Lost Power for 24 hours - what food to toss?

Eggs should be just fine. When I was a kid, my parents raised chickens in our backyard and we never ever refrigerated eggs even in hot summer days. If you wash the eggs (and store-bought eggs are washed), you should refrigerate. Unwashed eggs can be kept on the counter. Your parents eggs are not li...
by whodidntante
Sat Oct 13, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 67
Views: 4422

Re: Is it worth filing FAFSA even if you know you'll get nothing?

DanMahowny wrote:
Sat Oct 13, 2018 1:38 pm
Only my wife knows how much money we have. It's gonna stay that way- at least until we're both dead.
So how much? Just kidding.
by whodidntante
Sat Oct 13, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Home Depot Stock
Replies: 16
Views: 1685

Re: Home Depot Stock

Home depot is a well run retailer, but it's still a retailer, and I don't think it's a better investment than a low cost mutual fund. You have single company uncompensated risk. I would sell every last share eventually, but it's fine to be tax smart about it. For just a 10k tax hit, I would probably...
by whodidntante
Sat Oct 13, 2018 12:47 pm
Forum: Investing - Theory, News & General
Topic: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]
Replies: 24
Views: 1483

Re: DGS: Own it? Opinions on it?

I've owned it a few times, and each time I ended up TLH'ing out of it. It's fine and doesn't really have a competitor but the ER is high.
by whodidntante
Sat Oct 13, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3081

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

I have driven hoopties cross country before. If I had rented a car, I would have missed out on the hooptie factor.
by whodidntante
Sat Oct 13, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: 6 month Treasury Note: "Bond" or "Cash"?
Replies: 45
Views: 3200

Re: 6 month Treasury Note: "Bond" or "Cash"?

T-bills are cash. But I thought politics was forbidden in our walled garden.
by whodidntante
Sat Oct 13, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: Is EMH a tautology?
Replies: 92
Views: 3624

Re: Is EMH a tautology?

In fact even Fama thinks that the momentum effect makes EMH very dubious, since one would need a particular crazy asset pricing model to justify the quickly shifting risk in momentum stocks. This is one reason that we can still trust Fama as a scientist, which sometimes goes away in someone with hi...
by whodidntante
Sat Oct 13, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 39
Views: 2751

Re: Not convinced with insurance

I wouldn't pay $500 for an umbrella policy either. You might be able to get a better deal elsewhere. I like to have umbrella insurance sufficient to cover my investments. I only added a policy a couple of years ago. I expect it to be a waste of money, but if you need it, oh man is it good to have it!
by whodidntante
Sat Oct 13, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: tablet or small laptop for general and travel computer?
Replies: 35
Views: 1818

Re: tablet or small laptop for general and travel computer?

When I went for my MBA I used an Android tablet with a case stand and a bluetooth keyboard. It worked well for notes, spreadsheets, and for browsing the web during Saturday morning business law class.
by whodidntante
Thu Oct 11, 2018 9:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 75
Views: 9523

Re: livesoft is almost at 50,000 posts...

At the current rate, when will livesoft hit 500,000 posts? If his first 50 took ten years then the next 450 will take another 90 years. And since he’s at 62 now I estimate it will take place in the year 2107. :beer Livesoft 2.0 will achieve this objective approximately one day after being brought o...
by whodidntante
Thu Oct 11, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Time to sell international funds in 401k
Replies: 10
Views: 1457

Re: Time to sell international funds in 401k

Reducing your allocation to an asset based solely off recent underperformance does not sound like a winning strategy. While American Funds are not the worst funds, but they are still more expensive than most passive funds. And AF tends to favor growth stocks, which is a fancy way of saying expensive...
by whodidntante
Thu Oct 11, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3234

Re: Best headphones under 500 bucks

I use Audio-Technica ATH-M50x Professional Studio Monitor Headphones when travelling. I've been happy with the sound quality and noise isolation, and I can comfortably wear them for an 11 hour flight. I listen to Rock, Rap, and podcasts. Best of all, you can realistically drive them without a headph...
by whodidntante
Wed Oct 10, 2018 9:54 pm
Forum: Investing - Theory, News & General
Topic: Bond Market Index vs Stable Value?
Replies: 6
Views: 642

Re: Bond Market Index vs Stable Value?

I do 50% SVF, 50% TBM in my 401k to shorten duration. I have a short duration bond fund available, but it's a weird expensive junk bond fund that somehow got lucky for a few years so the plan advisor picked it.
by whodidntante
Wed Oct 10, 2018 9:50 pm
Forum: Forum Issues and Administration
Topic: Outbox vs Sent Items
Replies: 1
Views: 194

Re: Outbox vs Sent Items

It means the person hasn't read your message.
by whodidntante
Wed Oct 10, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Microsoft Windows 10 Update might cause data loss [Build 1809]
Replies: 22
Views: 2216

Re: Microsoft Windows 10 Update might cause data loss

No problem. Just restore your Microsoft backup.
by whodidntante
Wed Oct 10, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: College loan advice?
Replies: 37
Views: 2488

Re: College loan advice?

You can go to SoFi or your bank and take out a nice, juicy life lesson. Make sure to tell them about your enormous income. I bet they won't have a problem with it.
by whodidntante
Wed Oct 10, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3325

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

I don't like the way FWD cars drive and a lot of AWD cars are heavily FWD biased so the same applies. So I've driven a RWD in the snow belt for 18 years now. I've done it with and without winter tires. Winter life is better with winter tires. You can corner, stop, and go better. A limited slip diffe...
by whodidntante
Wed Oct 10, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 93
Views: 7897

Re: When will you backup the truck on stocks

I am fully invested in my desired asset allocation, so the truck has been backed up for a long while now. I'd probably increase leverage if stocks drop 50%+.
by whodidntante
Wed Oct 10, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard not answering their telephone
Replies: 11
Views: 1431

Re: Vanguard not answering their telephone

They are testing a new 0% ER customer service.
by whodidntante
Tue Oct 09, 2018 11:23 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2018 VIDEOS
Replies: 12
Views: 1999

Re: BOGLEHEADS 2018 VIDEOS

Thanks for sharing. I won't talk about politics, but spends 36 minutes talking about politics. Gotta love Jack.
by whodidntante
Tue Oct 09, 2018 10:31 pm
Forum: Investing - Theory, News & General
Topic: Diversifying with a zero-correlation, zero-return volatile asset
Replies: 66
Views: 3493

Re: Diversifying with a zero-correlation, zero-return volatile asset

I have flipped coins (in the poker sense) for $1,000 plenty of times. I don't recommend it as a diversifier. LOL
by whodidntante
Tue Oct 09, 2018 9:02 pm
Forum: Investing - Theory, News & General
Topic: The benefits of international diversification - NOT: Hulbert
Replies: 80
Views: 5146

Re: "International Stocks Provide The Least Protection Just When Investors Need It Most"

oldzey wrote:
Tue Oct 09, 2018 8:29 pm
0% International works for me! :beer
You could short it and be extra right.
by whodidntante
Tue Oct 09, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Car Gurus ... Air Filter Recommendations
Replies: 22
Views: 1508

Re: Car Gurus ... Air Filter Recommendations

I buy Motorcraft filters from rockauto.com, about two years supply at a time.
by whodidntante
Tue Oct 09, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: How to get paid for announcing your buying schedule commitment on pre-set date (no pre-set price) ?
Replies: 5
Views: 653

Re: How to get paid for announcing your buying schedule commitment on pre-set date (no pre-set price) ?

Is there a way on the similar lines to get paid for the "buying commitment" that I can make with no preset price point but with pre-set date ? Example: Say I know I get paid $1000 every month(pay check from work), how do I announce such a commitment to Market that "what ever be the price of SPY on ...
by whodidntante
Tue Oct 09, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: How to get paid for announcing your buying schedule commitment on pre-set date (no pre-set price) ?
Replies: 5
Views: 653

Re: How to get paid for announcing your buying schedule commitment on pre-set date (no pre-set price) ?

One issue is that most of the ETFs I buy do not have a liquid options market, and I also buy mutual funds. I'm not interested in owning SPY. But with the high correlation of SPY to other assets, it probably doesn't make a gigantic difference. You can also sell puts on EEM if you want emerging market...
by whodidntante
Tue Oct 09, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?
Replies: 42
Views: 4351

Re: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?

You should freeze your credit. Lol. I hope they get a gozillion dollar EU style fine. Then they'll take security seriously.
by whodidntante
Tue Oct 09, 2018 7:25 am
Forum: Investing - Help with Personal Investments
Topic: When to buy some form of US bonds?
Replies: 6
Views: 980

Re: When to buy some form of US bonds?

You can apply trend following to the bond market if you're trying to time it. Something like IEF iShares 7-10 Year Treasury Bond ETF is in a clear downtrend versus the 10 month SMA. What are you wanting to buy? Is it in a downtrend? Are you a trend follower? If one was a trend follower, you certain...
by whodidntante
Tue Oct 09, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: can i start a private investment firm?
Replies: 70
Views: 5057

Re: can i start a private investment firm?

I also want to start my own Merger & Acquisition Firm but I have no interest in getting admitted to Wharton for MBA program or anything like that stupid stuff. I know I can make more money that way than starting my own hedge fund. Do I need to start a new topic (but it is too much work to start a n...
by whodidntante
Mon Oct 08, 2018 10:57 pm
Forum: Investing - Theory, News & General
Topic: 40-60% drawdown in bonds
Replies: 42
Views: 3718

Re: 40-60% drawdown in bonds

Precisely. If capitalism as we know it fails, nothing is safe, including government-issued bonds and Federal reserve notes. Well if we want to go down the rabbit hole, we seem to have a lot of confidence in the resilience of capital markets and in the United States, even though both are recent inve...
by whodidntante
Mon Oct 08, 2018 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: When to buy some form of US bonds?
Replies: 6
Views: 980

Re: When to buy some form of US bonds?

You can apply trend following to the bond market if you're trying to time it. Something like IEF iShares 7-10 Year Treasury Bond ETF is in a clear downtrend versus the 10 month SMA. What are you wanting to buy? Is it in a downtrend? Are you a trend follower?
by whodidntante
Mon Oct 08, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Emerging Markets Matter
Replies: 82
Views: 6172

Re: Larry Swedroe: Why Emerging Markets Matter

Having read the article, I still do not understand whether Larry Swedroe is advocating overweighting emerging markets within one's international allocation, or whether he is simply advocating not excluding them --that is, not restricting yourself to an "international" index fund that invests only i...
by whodidntante
Sun Oct 07, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat
Replies: 77
Views: 7805

Re: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat

All these let’s-bash-Fidelity threads seem childish to me. I think it’s wonderful that Fidelity has lowered both minimum investments and expense ratios on many existing funds and that they have introduced four new ZERO funds. Competition is good for investors no matter which brokerage they use or w...
by whodidntante
Sun Oct 07, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: 40-60% drawdown in bonds
Replies: 42
Views: 3718

Re: 40-60% drawdown in bonds

I entirely agree. The 'bonds are for safety' idea needs significant revision. I believe that its proponents generally mean 'bonds are less volatile than stocks in the short-term', which is much more accurate, but this isn't as catchy. Bonds are for losing money on a real return basis in a rising ra...
by whodidntante
Sun Oct 07, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Sell vwiux and buy 1 yr tbills? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 8
Views: 492

Re: Sell vwiux and buy 1 yr tbills?

I get slammed when I say this but I don't think term risk is compensated right now. I also don't think you can expect much in the way of real returns from fixed income. Stay short and tread water. It's not ideal but it's better than losing.