Search found 4118 matches

by whodidntante
Sun Nov 11, 2018 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Cards Will I Get Approved for with no Credit Score?
Replies: 5
Views: 480

Re: Which Credit Cards Will I Get Approved for with no Credit Score?

The only way to know is to try, but you can ask your parents to add you as an authorized user on one of their credit cards, if they have good credit. I'm making the wild assumption that you are young. This is a way of building a credit history. You can also do "share secured" loan at a credit union,...
by whodidntante
Sun Nov 11, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Permanent Portfolio - Interested in Bogleheads thoughts
Replies: 11
Views: 1010

Re: Permanent Portfolio - Interested in Bogleheads thoughts

I don't want a cash allocation or a gold allocation, so I don't think much of it.
by whodidntante
Sun Nov 11, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 36
Views: 2090

Re: Recommend Chrome ad-blocker

ScriptSafe works well for general ad disabling, but requires some effort set up. Avira Safe Browsing is an extension that seems to work specifically on YouTube video ads. If you like the Chrome interface, you might try the Brave browser, which is based on Chromium and has integrated ad blocking. I ...
by whodidntante
Sun Nov 11, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Better place to park cash than VMMXX or VGSH/VCSH?
Replies: 4
Views: 851

Re: Better place to park cash than VMMXX or VGSH/VCSH?

Atomic wrote:
Sun Nov 11, 2018 7:10 pm
I like VUBFX
ICSH iShares Ultra Short-Term Bond ETF looks better to me. Higher yield (2.67%), higher credit quality, lower duration, lower expenses. And it's available at any broker.
by whodidntante
Sun Nov 11, 2018 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Emergency fund in my situation
Replies: 17
Views: 1481

Re: Emergency fund in my situation

I don't think you need an emergency fund. You can pay most things out of cash flow and it would seem that you have plenty socked away.
by whodidntante
Sat Nov 10, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Quick Turnaround for Passport Applications (No Payment for Expedited Processing)
Replies: 16
Views: 1296

Re: Fast Processing of Passport Applications

My last renewal was similarly fast. I don't know what normal processing time is, but I expect it would vary.
by whodidntante
Sat Nov 10, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: High/many credit card balances (0%APR) - effect on credit rating, getting more cards.
Replies: 11
Views: 758

Re: High/many credit card balances (0%APR) - effect on credit rating, getting more cards.

I carry significant balances at 0% pretty often, and I have 35k@0% right now owed to AmEx and BoA. My credit score has taken a hit of approximately 25 points. I don't think it has negatively impacted anything; I still have no trouble getting approved for credit and I apparently get the best rates av...
by whodidntante
Fri Nov 09, 2018 11:28 pm
Forum: Investing - Theory, News & General
Topic: SWAN ETF - 10% Leaps / 90% Treasuries
Replies: 24
Views: 1757

Re: SWAN ETF - 10% Leaps / 90% Treasuries

If you want this asset allocation, why wouldn't you simply buy it? You don't need an ETF to accomplish it.
by whodidntante
Fri Nov 09, 2018 11:25 pm
Forum: Investing - Theory, News & General
Topic: SWAN ETF - 10% Leaps / 90% Treasuries
Replies: 24
Views: 1757

Re: SWAN ETF - 10% Leaps / 90% Treasuries

Hodor wrote:
Fri Nov 09, 2018 11:21 pm
What's a leap?
It's a long term option. Basically the approach is leveraged equities and long bonds.
by whodidntante
Fri Nov 09, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Alcohol related gift idea - nice glasses for drinking spirits?
Replies: 17
Views: 1432

Re: Alcohol related gift idea - nice glasses for drinking spirits?

Whiskey drinker here. An important accessory is an ice tray that makes large cubes or large spheres of ice. These melt slower, allowing the whiskey to be chilled without as much dilution. There are also clear ice trays that make, you guessed it, clear ice. But those are somewhat pricey and you might...
by whodidntante
Fri Nov 09, 2018 1:43 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 61
Views: 4138

Re: Too many choices for my next TRUCK

Ford makes some "real" trucks meaning heavy duty models, but those don't make very nice daily drivers. The F-150 is really nice even as a daily driver. Don't buy more or less truck than you need. Since it's a large purchase and I'm picky, I might order one to get exactly my specifications. That's wh...
by whodidntante
Fri Nov 09, 2018 1:30 am
Forum: Investing - Help with Personal Investments
Topic: Convinced wife to invest but wants her own accounts
Replies: 22
Views: 3193

Re: Convinced wife to invest but wants her own accounts

It's reasonable for a partner to want their own accounts. Social security is a kind of pension. Did you adjust your bond allocation based on that? If so, you should probably treat the state pension similarly. You can put the payment series in an NPV calculator and use the NPV as an estimate of the p...
by whodidntante
Fri Nov 09, 2018 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Chase points - what's the point of buying gift cards
Replies: 30
Views: 2506

Re: Chase points - what's the point of buying gift cards

Some people like to use the Sapphire Reserve for travel redemptions at a higher point value. I have more points than I can realistically use so I tend to take the money. But I wouldn't buy merchandise with points. Do it as a normal purchase, so you can get extended warranty, points, and any other be...
by whodidntante
Thu Nov 08, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Garden SFCU 4% 4-year CD, 6 month EWP
Replies: 35
Views: 2345

Re: Garden SFCU 4% 4-year CD, 6 month EWP

nalor511 wrote:
Wed Nov 07, 2018 5:00 pm
Anybody doing this one? Kevin?
Image
by whodidntante
Thu Nov 08, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: A reminder: Stay away from AQR
Replies: 141
Views: 9537

Re: A reminder: Stay away from AQR

Nice chart, AlexisAtEasternState.
by whodidntante
Thu Nov 08, 2018 7:24 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4406

Re: Do you prefer etfs or mutual funds?

Captain kangaroo wrote:
Thu Nov 08, 2018 7:06 pm
ETF's because I can move them around brokerages easier and they're more tax efficient.
+1. Pretty sure I am running a negative ER overall.
by whodidntante
Thu Nov 08, 2018 12:45 am
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 24
Views: 2125

Re: How to deposit cash in online account with no local branch

The best way is to retain a local bank account. However, not everyone can. You can purchase money orders, or use Bill Pay services to deposit cash. An Interactive Brokers brokerage account is a valid payee at some Bill Pay services. I've also found that casinos are happy to take large amounts of cas...
by whodidntante
Thu Nov 08, 2018 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity International Wire Currency Exchange Rates
Replies: 13
Views: 1373

Re: Fidelity International Wire Currency Exchange Rates

So i called the Fidelity Private Client group to see what they could do for me. They quoted me a rate of 8.09 NOK. Transferwise is offering around 8.36 with some fees (8.28 with), and Xoom was 8.12 with no fees. That makes Fidelity 3% higher, as the terms say they can do. I questioned them on the r...
by whodidntante
Wed Nov 07, 2018 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: How much is too much in savings account?
Replies: 17
Views: 3650

Re: How much is too much in savings account?

I am currently not taking a paycheck so I can hit the 415 limit of 55 grand. I don't have cash over the amount required to cover bills that are due and payable. I only have equity index ETFs in taxable accounts. I sell investments in a tax efficient way when I need money, then I trade in tax defered...
by whodidntante
Wed Nov 07, 2018 11:10 pm
Forum: Investing - Theory, News & General
Topic: China Still An Emerging Market?
Replies: 24
Views: 1906

Re: China Still An Emerging Market?

Emerging market does not mean that the underlying economy is small. People with expensive educations decide what it means.
by whodidntante
Wed Nov 07, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Best strategy basement mold
Replies: 27
Views: 2251

Re: Best strategy basement mold

Mold = moisture, specifically > 50% relative humidity in a wood framed house. Check to make sure your air conditioner condensate drain is not clogged. I clean mine once a year, or at least every second year.
by whodidntante
Mon Nov 05, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: 80 year old wants to invest $100k to get ~$10k annually. Options?
Replies: 22
Views: 3830

Re: 80 year old wants to invest $100k to get ~$10k annually. Options?

The best option would be to go and buy that fantastic 10% net property back. The investment you want doesn't exist in the capital markets.
by whodidntante
Sun Nov 04, 2018 1:44 pm
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 904

Re: Best way to guesstimate returns of lifestrategy funds?

... Yes it is. Interesting, so is the following list the best corrsepondence: TSM - "Large US" Total international - "EAFE" TBM - "US Aggregate" Total International Bond - "Global aggregate" ? Total international would include about 20% EM so you can add that in too. Likewise you can consider TSM 2...
by whodidntante
Sun Nov 04, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 904

Re: Best way to guesstimate returns of lifestrategy funds?

Research affiliates has an interactive tool that gives expected returns for various asset classes. You could compute a weighted average for the constituent asset classes. Interesting, is this what you are talking about? https://interactive.researchaffiliates.com/asset-allocation#!/?category=Develop...
by whodidntante
Sun Nov 04, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Dentist replaced crown a few months back and now I'm told the tooth needs to be pulled!
Replies: 49
Views: 3410

Re: Dentist replaced crown a few months back and now I'm told the tooth needs to be pulled!

You can see another dentist to confirm if you don't want the tooth pulled. I think I would. I have found medical opinions vary widely among practitioners. It may not be possible to get your money back. You can ask and failing that, go to small claims court, or possibly you have a malpractice case.
by whodidntante
Sun Nov 04, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 904

Re: Best way to guesstimate returns of lifestrategy funds?

Research affiliates has an interactive tool that gives expected returns for various asset classes. You could compute a weighted average for the constituent asset classes.
by whodidntante
Sun Nov 04, 2018 1:25 am
Forum: Investing - Theory, News & General
Topic: Diversification Regret
Replies: 99
Views: 10950

Re: Diversification Regret

Poker players refer to this as "playing results" or "resulting." You can play terribly and still win, or play well and still lose. The benefits of diversification are strongest when the herd thinks you're crazy for not piling into what did well recently.
by whodidntante
Sun Nov 04, 2018 12:40 am
Forum: Investing - Help with Personal Investments
Topic: Are Bond Funds Really a Good Investment Now?
Replies: 44
Views: 4982

Re: Are Bond Funds Really a Good Investment Now?

You can buy treasuries and hold them to maturity if you want to be certain to avoid a nominal loss. You can buy TIPS and hold them to maturity if you want to be certain to avoid a real loss. Before taxes, of course.
by whodidntante
Sun Nov 04, 2018 12:37 am
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 5920

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

They're all great cars so it comes down to preferences. This is how I see it. If I wanted a comfortable road car and to arrive in style, choose your favorite E class, all day. It would make a lot of sense to get it used if you don't mind the occasional fat repair bill. I wouldn't seriously consider ...
by whodidntante
Sat Nov 03, 2018 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: 6-month CD at 2.4%
Replies: 5
Views: 1595

Re: 6-month CD at 2.4%

The 26 week T-bill pays more and is exempt from state income tax. And I don't need an advisor to access that.

From the page:
INTERESTED? CONTACT YOUR FINANCIAL ADVISOR, PRIVATE WEALTH ADVISOR OR INTERNATIONAL CLIENT ADVISOR.
I didn't write that in all caps. They did.
by whodidntante
Sat Nov 03, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Fastest ACH transfers?
Replies: 4
Views: 856

Re: Fastest ACH transfers?

Lots of banks offer next day ACH. However, there are differences in cutoff times. For instance, it’s 4pm Eastern with Fidelity, but noon Central with Alliant. For what it’s worth, Fidelity also offers free wire transfers, which occur same day. Yes, Fidelity does offer free wire transfers, and they ...
by whodidntante
Sat Nov 03, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1742

Re: Credit card Surcharges

A good reliable and and trustworthy mechanic may be worth the inconvenience of paying with cash or personal check. Or even the surcharge - what we usually do. Agreed, though I will add that 4% seems a bit excessive given that the merchant fees are in all likelihood a lot less than 4% and the busine...
by whodidntante
Fri Nov 02, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Thoughts on the New Macbook Air?
Replies: 70
Views: 3967

Re: Thoughts on the New Macbook Air?

The macbook air uses ultra low voltage processors to reduce power consumption. Compared to a desktop spec or workstation replacement laptop, it's much slower. I don't know if you will notice, but I do. I don't plan to buy an ultrabook again, unless the processors get better.
by whodidntante
Wed Oct 31, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt for Grandma
Replies: 32
Views: 1718

Re: Credit Card Debt for Grandma

The most obvious solution is to do a balance transfer to several zero percent interest cards. Another would be to do a prosper or lending tree loan. Taking advantage of elderly relatives cc def not cool. It is unlikely that a person with two maxed cards will qualify for a 30k credit line @0%. But i...
by whodidntante
Tue Oct 30, 2018 11:06 pm
Forum: Investing - Theory, News & General
Topic: How to calculate the effect of rate hikes on bond funds
Replies: 4
Views: 534

Re: How to calculate the effect of rate hikes on bond funds

The Federal Reserve does not directly control bond yields. However, duration is a reasonable estimate of a bond fund's sensitivity to changes in "rates." The rates that matter are yield to maturity on similar bonds. Duration * [change in YTM for similar bonds] isn't right, but it's not far wrong, ei...
by whodidntante
Tue Oct 30, 2018 10:27 pm
Forum: Investing - Theory, News & General
Topic: Who's Buying General Electric?
Replies: 39
Views: 4567

Re: Who's Buying General Electric?

Grt2bOutdoors wrote:
Tue Oct 30, 2018 7:54 am
Dividend was slashed to a penny a share per quarter. Value or Value Trap?
A penny per share is not an issue. A penny per share representing a 2% dividend yield would be a gigantic issue.
by whodidntante
Tue Oct 30, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Long Delayed Tax Return
Replies: 4
Views: 412

Re: Long Delayed Tax Return

Something entirely in your control is to make sure you do not overpay 2018 taxes although it might now be too late since Halloween is knocking. Adjust your withholding and/or estimated payments to hit a safe harbor.
by whodidntante
Tue Oct 30, 2018 9:50 pm
Forum: Investing - Theory, News & General
Topic: GE: We Bring Bad News To Life!
Replies: 35
Views: 4702

Re: GE: We Bring Bad News To Life!

There is a GE plant where i live and i know a few people who retired from there who have huge holding in this stock. Most of them are in the hold and hope mode, hoping one day they will break even. Unfortunately that is often how people respond when a concentrated holding gets cut off at the knees....
by whodidntante
Mon Oct 29, 2018 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund security
Replies: 10
Views: 1141

Re: Emergency fund security

You might consider to keep your "emergency fund" at Fidelity, since Fidelity offers free wire transfers. I just did a wire transfer the morning for a total cost of nothing.
by whodidntante
Mon Oct 29, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5142

Re: People with older car, share your unusual repairs

Man, I have had some hoopties. I had a 1977 F-100 with 300,000 miles that was your classic farm truck. It had a long-throw four speed transmission that would kneecap anyone foolish enough to sit in the middle of bench seat. I was the only person capable of operating the vehicle. The 360 ci V-8 was w...
by whodidntante
Mon Oct 29, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund security
Replies: 10
Views: 1141

Re: Emergency fund security

If vanguard were somehow cheating you Bernie Madoff style, you would be protected from that fraud. If you buy into a fund that loses money due to a decline in asset value, you would just lose money. That said, vanguard prime is a solid fund, and it would take a black swan on steroids to make you los...
by whodidntante
Sun Oct 28, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: AC or DC motor ceiling fan
Replies: 8
Views: 1057

Re: AC or DC motor ceiling fan

DC motors need to use a drive... Educate me. What does this mean? A drive is a speed controller for a motor. It would be required to run a brushless DC motor, which is the type that would be used for a DC ceiling fan. It adds a bit of cost. https://circuitglobe.com/brushless-dc-motor-drives.html
by whodidntante
Sun Oct 28, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: Frontline — The Pension Gamble
Replies: 10
Views: 2126

Re: Frontline — The Pension Gamble

Connecticut, Illinois, and New Jersey also have a serious issue with pension underfunding. It's getting worse, not better, in a time of economic expansion.
by whodidntante
Sun Oct 28, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: DRG remark on TransUnion credit report
Replies: 3
Views: 507

Re: DRG remark on TransUnion credit report

If our investigation has not resolved your dispute, you may add a 100-word statement to your report. If you provide a consumer statement that contains medical information related to service providers or medical procedures, then you expressly consent to TransUnion including this information in every...
by whodidntante
Sun Oct 28, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: Are you too wealthy for a LIQUID emergency fund?
Replies: 29
Views: 4854

Re: Are you too wealthy for a LIQUID emergency fund?

I think you might be referring to a cash allocation, not liquidity. An equity index ETF like VTI is highly liquid.
by whodidntante
Sun Oct 28, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3811

Re: When to get a new toilet?

If you're really having to replace the innards every year, you have water quality issues. I don't think a new toilet is going to be more resilient to poor water quality. I have to replace a $1 seal every four years. It's a cheap builder quality 20 year old Mansfield toilet. It takes two minutes, plu...
by whodidntante
Sun Oct 28, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1329
Views: 223443

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

How much can you bounce back and forth between two brokerages without getting flagged? I've never had a problem. I make sure that I follow the letter of the promotion and err on the side of being slightly careful. E.g. if you're supposed to leave the assets there for 12 months, leave the assets the...
by whodidntante
Sat Oct 27, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: AC or DC motor ceiling fan
Replies: 8
Views: 1057

Re: AC or DC motor ceiling fan

I have had great experience with Hunter ceiling fans, though mine have AC motors. They are very quiet, at least I cannot hear the motor except at startup. Some AC fans are noisy while operating, however. DC will indeed be more energy efficient and quieter. I would go DC if you don't mind spending th...
by whodidntante
Sat Oct 27, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: Gutters and gutter guards
Replies: 60
Views: 8786

Re: Gutters and gutter guards

If it's that much of an issue I would probably cut some trees back.