Search found 2512 matches

by whodidntante
Mon Jan 22, 2018 7:13 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 20
Views: 869

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

It's likely a side effect of increasing traffic. The posts that require work and understanding are skipped for posts that require opinion.
by whodidntante
Mon Jan 22, 2018 6:59 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 27
Views: 2617

Re: The Power of Working Longer

Many people do not get to decide how long they work. I'm in an industry were people do not age like fine wines. I'm putting money away while I have an above average income, because it's not going to last.
by whodidntante
Mon Jan 22, 2018 6:44 pm
Forum: Investing - Theory, News & General
Topic: Small Value Premium - How Do You View It?
Replies: 17
Views: 617

Re: Small Value Premium - How Do You View It?

This seems like a trolling topic but I'll bite. About half of my US stocks are in small value funds. Mostly in DFA though I use ETFs in taxable. I see small and value as sources of risk and return. The effect of overweighting small and value overall results in a riskier portfolio with higher expecte...
by whodidntante
Mon Jan 22, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing: Bond Alternatives
Replies: 2
Views: 180

Re: Rebalancing: Bond Alternatives

Brokered CDs or treasury bonds held to maturity
I bonds.
Stable value funds.
by whodidntante
Mon Jan 22, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 35
Views: 3211

Re: 50/50 AA recommended by Benjamin Graham

If you adjust for the gigantic pile of cash that a lot of people keep for down payments, cars, and "emergency funds" plus whatever they formerly call fixed income then a lot of people have conservative portfolios. Some young people don't even have 50% stock.
by whodidntante
Mon Jan 22, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: New tax law and changes to paycheck
Replies: 20
Views: 1755

Re: New tax law and changes to paycheck

I assume my withholding is wrong and take it upon myself to correct it each year. I want to withhold as little as possible while landing in a safe harbor.
by whodidntante
Mon Jan 22, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Xfinity broadband: should I try to negotiate a better deal?
Replies: 29
Views: 1286

Re: Xfinity broadband: should I try to negotiate a better deal?

I consider negotiating with my service providers to be a productive hobby. You have considerably more bargaining power if you are willing to live without their service, which I am. If I'm offered an acceptable price then they get me as a customer.
by whodidntante
Mon Jan 22, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Where do you get your auto loans?
Replies: 27
Views: 1466

Re: Where do you get your auto loans?

I've had good luck at local credit unions. Mine beat what lightstream would offer. A different credit union also matched an interest rate from an online mortgage lender, with much lower closing costs.
by whodidntante
Mon Jan 22, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: The regular investor can now trade the stock market 24 hours a day with TD Ameritrade
Replies: 34
Views: 1495

Re: The regular investor can now trade the stock market 24 hours a day with TD Ameritrade

I think I will be alive to see the 24 hour stock market. We are already close to that with futures markets. Trading hours will someday be thought of as an anachronism. This will annoy stodgy, inflexible people. It may also have other advantages.
by whodidntante
Mon Jan 22, 2018 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Account Change to Fidelity - Pros and Cons
Replies: 19
Views: 737

Re: Brokerage Account Change to Fidelity - Pros and Cons

An advisor needs to be carefully selected to determine if you click and if they would add value to what you currently do yourself or can take over to some extent. Have you considered interviewing local, fee only advisors?
by whodidntante
Sun Jan 21, 2018 11:34 pm
Forum: Personal Consumer Issues
Topic: Does anyone subscribe to Kiplinger's, Kiplinger's Retirement Review, or Smart Money?
Replies: 21
Views: 1278

Re: Does anyone subscribe to Kiplinger's, Kiplinger's Retirement Review, or Smart Money?

Sometimes I think I should subscribe to Barron's (aka Bearon's) to convince myself to hold more fixed income.
by whodidntante
Sun Jan 21, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 81
Views: 6342

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

Is it really the case that the military do not get paid during a shutdown, as in, it either happened to you or someone who's account you trust? As a matter of fact it is happening right now. During the last shutdown in 2013, a special bill was passed specifically to fund military payroll. No such b...
by whodidntante
Sun Jan 21, 2018 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k when company is acquired
Replies: 2
Views: 209

Re: Roth 401k when company is acquired

The most likely scenario is that the plan you have will continue for a while, maybe for as long as a couple of years. Eventually the acquiring company will liquidate your current 401k plan assets and transfer the proceeds to their own 401k plan, and that you will not have an option to roll it over t...
by whodidntante
Sun Jan 21, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Help to vet thinking on mortgage pay down/off scenario
Replies: 3
Views: 464

Re: Help to vet thinking on mortgage pay down/off scenario

CD secured loans might make sense if you have a situation where the EWP would exceed the interest you would pay. Otherwise it's just a way for the bank to earn a spread by giving you your own money. You still lose liquidity because the bank will not allow you to sell the collateral for the loan.
by whodidntante
Sun Jan 21, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 36
Views: 2542

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

US bonds were down about 0.5% last week. I hope the robots exploited that edge.
by whodidntante
Sun Jan 21, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for a lay off - what steps to take now
Replies: 36
Views: 3177

Re: Preparing for a lay off - what steps to take now

Dottie57 wrote:
Sun Jan 21, 2018 12:37 pm

I was told by my HR that severance is not given for worked performed and therefore is not eligible for 401k. Also severance is paid after employment has ended. If not an employee you can't contribute.
That is my understanding also.
by whodidntante
Sun Jan 21, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Singing Praises for the Capital One Credit Card
Replies: 7
Views: 1275

Re: Singing Praises for the Capital One Credit Card

Leesbro63 wrote:
Sun Jan 21, 2018 6:27 am
Is there a link for this $10,000 bonus? It’s not clear: is the bonus with the Amegy card, the Cap1 card, or both?
Probably a targeted offer.
by whodidntante
Sun Jan 21, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: HSA
Replies: 16
Views: 1283

Re: HSA

I think you should contribute the maximum each year if you can because it's a fantastic tax advantaged account. It's even better than a 401k once you exceed the match. As far as when you spend it, if you have a lot of expenses in a given year and it puts a strain on your finances, then take the mone...
by whodidntante
Sun Jan 21, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 81
Views: 6342

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

As someone who works for the Federal government (military officer), I can say a Government Shutdown. I will probably get paid at the end of the month.....but there is no underestimating, shall we say, unpredictable events in the nations capital. Thankfully I keep three months of expenses in a savin...
by whodidntante
Sun Jan 21, 2018 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Anyone at Goldman Sachs/Marcus bank 1.5%?
Replies: 24
Views: 1970

Re: Anyone at Goldman Sachs/Marcus bank 1.5%?

If I was going to open an FDIC insured savings account, I would at least open the one that pays the highest rate. 1.7% here. https://www.ablebanking.com/saving.aspx
by whodidntante
Sat Jan 20, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Job offer - no 401k offered
Replies: 25
Views: 2814

Re: Job offer - no 401k offered

Eagle33 wrote:
Sat Jan 20, 2018 5:35 pm
At 65+ can use HSA withdrawals for non-medical expenses, but owe tax. No penalties.
This. But I'll add that I consider it unlikely for most people to die without having the opportunity to take their HSA money as a qualified medical expense.
by whodidntante
Sat Jan 20, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 7418

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

This is the 4% real return that Bogle told us we'd get. You either need 4%+inflation or you just make it all in 12 days so inflation is irrelevant.
by whodidntante
Sat Jan 20, 2018 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park bonus money?
Replies: 3
Views: 396

Re: Where to park bonus money?

By default I do option B (though not necessarily US stocks) though I might be willing to hold cash for a bit if I knew for sure I needed to spend it. Interest on 35 grand for a few months isn't going to be much. So if you go for safety then either A or C would be fine. I think you should make a deci...
by whodidntante
Sat Jan 20, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 104
Views: 25735

Re: What's your U.S. : International ratio?

jhfenton wrote:
Sat Jan 20, 2018 8:30 am
We're 50/50 U.S./ex-US with a heavy small-cap tilt on both sides and an extra tilt toward emerging markets.
Same.
by whodidntante
Sat Jan 20, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Preparing for a lay off - what steps to take now
Replies: 36
Views: 3177

Re: Preparing for a lay off - what steps to take now

Hard to say as I don't know much about your situation. Since you've been working so long I assume you have adequate liquidity. Medical insurance is a key consideration and you might get sticker shock. Will your severance cover it for a period?
by whodidntante
Fri Jan 19, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Legal to pay yourself to earn credit card bonuses?
Replies: 24
Views: 2162

Re: Legal to pay yourself to earn credit card bonuses?

It's legal but will get you shutdown if you do it in any volume. The gist of manufactured spending is to spend less to get to cash than you earned in points or cash back. /r/churning is your friend, but it does require reading and experimentation. It helps if you don't look creepy.
by whodidntante
Fri Jan 19, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 17
Views: 2504

Re: Capital one 360 money market New $500 bonus

I've had an account there. No complaints other than the rate was not the highest I could get. How long would you need to keep 50k there to get the bonus?
by whodidntante
Fri Jan 19, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 121
Views: 14384

Re: GE and the myth of "safe blue-chip stocks"

Is this an argument in favor of small cap value? :twisted:
by whodidntante
Fri Jan 19, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: MEC's instead of Bonds?
Replies: 18
Views: 734

Re: MEC's instead of Bonds?

Ask to see the contract the company is offering you if this is something you want to buy. I wouldn't base a gigantic financial decision off a sales pitch or marketing literature. If you still want to buy after a thorough review, I would suggest you start with 10 grand and use that for a few years, t...
by whodidntante
Thu Jan 18, 2018 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Are ETFs Really That Safe?
Replies: 26
Views: 2076

Re: Are ETFs Really That Safe?

ETFs that target a very thin slice of the global market are non-diversified, and can move in a big way with events that impact that thin slice. But that's a good thing if you wanted to buy the thin slice, isn't it? :wink: Fledgling ETFs that do not attract significant AUM have high closure risk. If ...
by whodidntante
Thu Jan 18, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance !! Moving From Morgan Stanley ...
Replies: 9
Views: 1050

Re: Inheritance !! Moving From Morgan Stanley ...

You would be able to move the securities in kind to a discount broker. Some brokers will pay you a cash bonus, reimburse you for the account closing fee that MS will charge, and offer you free trades for a limited time or perpetually. Look at Merrill Edge.
by whodidntante
Thu Jan 18, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 2033

Re: Take a 401k Loan?

A person can learn from their mistakes and take a 401k loan simultaneously.
by whodidntante
Thu Jan 18, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Why even have Bonds in a 401k?
Replies: 30
Views: 2889

Re: Why even have Bonds in a 401k?

I can tell you the reason that I have bonds in my 401k. I do it for tax efficiency. My taxable accounts are 100% stocks.
by whodidntante
Wed Jan 17, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions
Replies: 25
Views: 1508

Re: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions

In my way of looking at things, I buy insurance for events that would significantly injure me financially. Paying a $2,500 deductible would sting but it wouldn't make any real difference in my life. And I likely wouldn't file a claim unless it was a big event anyway.
by whodidntante
Wed Jan 17, 2018 12:33 am
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1609

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

For straight up cash for fare, fare sales are the best bet if you have total flexibility. You can cross the pond for a couple of hundred dollars roundtrip. The last fare sale I saw of that extent was on Norwegian. It would require flexibility to get a price that low, including on the airline and dep...
by whodidntante
Tue Jan 16, 2018 10:40 pm
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 4715

Re: Nostalgic about old online brokerages that no longer exist

Bogle pronounced Fidelity dead, so I'll miss them after they're gone. At least they give me free Turbotax.
by whodidntante
Tue Jan 16, 2018 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?
Replies: 30
Views: 1507

Re: views on empower retirement? fees ease of use etc?

Empower retirement itself is fine. I have them and my plan includes several low cost funds from Vanguard, State Street, and Dimensional Fund Advisors. This might be the case for you also. However your employer has a lot of leeway in how they setup your plan, and they might have designed a plan that ...
by whodidntante
Tue Jan 16, 2018 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Illinois - [State] Retirement [Plan Options]
Replies: 3
Views: 294

Re: Illinois - Retirement

Total bond market and an S&P 500 index fund are fine investments, but you would need to post more information if you want a recommendation that applies to your situation. See this sticky:
viewtopic.php?t=6212
by whodidntante
Tue Jan 16, 2018 12:19 am
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 59
Views: 8550

Re: Muni Money Market funds starting to look good!

For those watching the bouncing ball, your muni fund yield has likely fallen off a bit.
by whodidntante
Mon Jan 15, 2018 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Windfall (no country bias) [Non-US]
Replies: 22
Views: 1581

Re: Investing Windfall (no country bias)

Single country funds are expensive with few exceptions, as you've found. I would be cheaper to overweight EM broad based, perhaps supplementing with regional funds that are cheaper than single country funds. Some of the markets you listed are really small, and you might want to just buy the top 5-10...
by whodidntante
Mon Jan 15, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: Dow 30,000 S&P 3000, Nasdaq 10,000
Replies: 39
Views: 4548

Re: Dow 30,000 S&P 3000, Nasdaq 10,000

Remember kids, the stock market only goes up.
by whodidntante
Mon Jan 15, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Considering PhD...but so much to consider...
Replies: 51
Views: 3428

Re: Considering PhD...but so much to consider...

I say Ph.D. as long you don't make me call you doctor. You can take advantage of those low income years by fully funding a Roth IRA and doing Roth conversions to top of bracket.
by whodidntante
Mon Jan 15, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 9734

Re: Besides Bogleheads, What Are Your Favorite Forums?

I've been visiting /r/churning lately.
by whodidntante
Mon Jan 15, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: Can the Schiller P/E ratio be used for tactical allocation?
Replies: 13
Views: 726

Re: Can the Schiller P/E ratio be used for tactical allocation?

Sure, but don't try to build your own kludged together expected return model. Use an educated professional's kludged together expected return model. https://interactive.researchaffiliates. ... terms=REAL
by whodidntante
Mon Jan 15, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 53
Views: 3103

Re: PTO policy after international business travel

I travel internationally several times a year including to India. It has never occurred to me to ask for five days PTO following each trip, probably because my boss would laugh me out of his office. I usually have meetings scheduled first thing Monday morning anyway, sometimes before core working ho...
by whodidntante
Mon Jan 15, 2018 8:13 am
Forum: Investing - Theory, News & General
Topic: Do people in the forum hold foreign bonds?
Replies: 42
Views: 2594

Re: Do people in the forum hold foreign bonds?

Ex-US bonds are the world's largest asset class. And you're saying you don't want to own them? Yeah, me neither. It's all about the yield.
by whodidntante
Sun Jan 14, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC below Prime Rate
Replies: 9
Views: 716

Re: HELOC below Prime Rate

BoA will do it if you are platinum honors and take a large initial draw. You can pay off the initial draw right away I think.