Search found 3282 matches

by whodidntante
Sat May 19, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Investments that are unique *and* sensible?
Replies: 6
Views: 671

Re: Investments that are unique *and* sensible?

TSP G fund, TIAA traditional. Also several alternatives funds, but I don't want to argue about whether those are sensible for 120 posts. :twisted:
by whodidntante
Sat May 19, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: SWPPX vs Vanguard Institutional 500 Index TRUST
Replies: 6
Views: 418

Re: SWPPX vs Vanguard Institutional 500 Index TRUST

BaylorBears wrote:
Sat May 19, 2018 2:54 pm
My employer recently swapped our 401k VIIIX which pays a dividend for "Vanguard Institutional 500 Index TRUST" which DOES NOT pay a dividend.

Personally, I prefer to receive a dividend and know it doesn't necessarily matter
It doesn't matter at all.
by whodidntante
Sat May 19, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 52
Views: 2998

Re: Finance a $28,000 house for Brother?

Usually people who are not able to get a mortgage rent an apartment.
by whodidntante
Sat May 19, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Insurance or Betterment
Replies: 3
Views: 313

Re: Insurance or Betterment

I wouldn't do either of those. It's really easy to tax loss harvest, and not worth paying an ongoing fee for. Equity index ETFs are really tax efficient since you get qualified dividends and foreign tax credit, and you'll be able to defer any capital gains until you need the money. You can also sell...
by whodidntante
Sat May 19, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 22
Views: 1162

Re: Fidelity CMA + MMF vs. online credit union

Does option 2 get really cumbersome during tax time to figure out all the cost basis with all the buys and sells? They'll send a consolidated 1099 like Vanguard does so you only report one number, but if you're concerned you can minimize it by using the "maintain minimum balance" option in the cash...
by whodidntante
Sat May 19, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 22
Views: 1162

Re: Fidelity CMA + MMF vs. online credit union

arf30 wrote:
Thu May 17, 2018 12:10 pm
1-2 days, but I've read conflicting reports on this forum, I think it might vary by the source bank.
3-4 business days for me. I pull from multiple banks. Maybe I make Fidelity nervous? :P
by whodidntante
Sat May 19, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 67
Views: 7856

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

Bonds are a terrible investment compared to stocks is his point. It's an expected return argument and he's right about that. Many bogleheads own bonds but I don't see anyone arguing that bonds have higher expected returns than stocks right now.
by whodidntante
Sat May 19, 2018 1:12 am
Forum: Investing - Theory, News & General
Topic: Should I invest in a hedge fund?
Replies: 3
Views: 858

Re: Should I invest in a hedge fund?

The frequent comparisons to the S&P 500 are nonsense to me. The problem with hedge funds is they do not hedge enough, or do anything useful in a portfolio to justify their (usually) high fees. AQR has products that some will find to be worth the cost, and you can buy some of their funds for a modest...
by whodidntante
Fri May 18, 2018 11:06 pm
Forum: Investing - Theory, News & General
Topic: Bond Yields and Federal Funds Rate
Replies: 25
Views: 1783

Re: Bond Yields and Federal Funds Rate

Useful analysis as always.
by whodidntante
Fri May 18, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Home Loan from Parents
Replies: 17
Views: 1173

Re: Home Loan from Parents

If it's truly an equitable deal then it might be OK and might not end in resentment. I would pay a full market interest rate that you would almost certainly get from a lender who would actually loan you the money if you applied. Do they want to own a 15 year secured note at 4% (or whatever)? If not,...
by whodidntante
Fri May 18, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 95
Views: 4779

Re: Dave Ramsey it or keep low interest debt

I would keep the low interest debt, and lose the Dave Ramsey.
by whodidntante
Fri May 18, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Cash instead of bonds for 3-fund
Replies: 22
Views: 1936

Re: Cash instead of bonds for 3-fund

My stable value fund allocation has covered most of my losses in TBM, at least on a nominal basis.
by whodidntante
Fri May 18, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Long term investment in grains/wheat
Replies: 22
Views: 1274

Re: Long term investment in grains/wheat

You can get direct exposure by buying and rolling a futures contract. There isn't anything you can buy and hold for 15 years that provides direct exposure.
by whodidntante
Thu May 17, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4235

Re: New motorcycle rider

https://s31.postimg.cc/rtu36jdgr/dangerdoom.jpg It's an interesting phenomenon that older people tend to perceive the world as much more dangerous than in the past. But in many cases, it's just not true. If you'd like to bowl for confirmation bias, here's the source I used. http://www.iihs.org/iihs...
by whodidntante
Thu May 17, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Confusion on my Expense Ratio
Replies: 2
Views: 256

Re: Confusion on my Expense Ratio

You have to get fee information specific to your plan. Some people pay a lot for vanguard index funds. The information you find on Morningstar is irrelevant. There may be quarterly fees and service fees in addition to the ERs.
by whodidntante
Thu May 17, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4235

Re: New motorcycle rider

I started riding at 50. All the above post have good advice. When I was considering to start riding a law officer who had seen plenty of accidents tried to talk me out of it. She only supported me when I told her I would only do group rides. The increased visibility of being in a group of motorcycl...
by whodidntante
Thu May 17, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4235

Re: New motorcycle rider

Sorry I was away for a while. I was busy commuting on my motorcycle in an urban environment with distracted drivers. Before letting all the nervous Nellies talk you out of your motorcycle, consider that this is a website where 20 year olds are told they need bonds. Risk aversion is rampant here. Be...
by whodidntante
Wed May 16, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: any disadvantages to using Delta Skymiles for fare?
Replies: 18
Views: 1223

Re: any disadvantages to using Delta Skymiles for fare?

Anyway, any downsides? I'm not sure how it would work with an international flight if you got bumped with a ticket that you bought with miles but that might be different. Unless you have something else that you might use the miles on in the near future I would tend to use them sooner rather than la...
by whodidntante
Wed May 16, 2018 10:13 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Value Premium Lives!
Replies: 39
Views: 2775

Re: Factor investing with one fund.

Taylor Larimore wrote:
Wed May 16, 2018 9:57 pm
Total Stock Market Index Fund includes all U.S. stock factors in one fund.
Thanks for your contribution to my value factor disinformation campaign. :twisted:
by whodidntante
Wed May 16, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage decision killing me
Replies: 52
Views: 5726

Re: Mortgage decision killing me

I'm curious why the 15 year and 30 year notes are so close in rate.
by whodidntante
Wed May 16, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: any disadvantages to using Delta Skymiles for fare?
Replies: 18
Views: 1223

Re: any disadvantages to using Delta Skymiles for fare?

I use my miles to buy tickets for companions and pay cash for my own, so I can qualify for higher tiers of status. If you rarely fly this will not be important to you.

Some airlines have restrictions on award tickets, like you cannot buy up to first class or whatever. Probably not an issue.
by whodidntante
Wed May 16, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4235

Re: New motorcycle rider

motorcyclesarecool wrote:
Fri Jun 26, 1970 11:20 am
Or, if you can document a safe ride of 1,000 miles in 24 hours, you can join the IBA
http://ironbutt.com/rides/ss1000.htm
I have done that. I did not know I was due an award, LOL.
by whodidntante
Wed May 16, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: Microcap Stock Screener
Replies: 12
Views: 651

Re: Microcap Stock Screener

Rick Ferri wrote:
Wed May 16, 2018 4:47 pm
Eric,

My response:

Total Stock Market Index Fund

and forgetaboutit.
Or you can sell S&P 500 futures and load up on microcaps for a nice loading on size. :wink:
by whodidntante
Wed May 16, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Lower cost but similar alternatives to these American Funds in my Roth IRA?
Replies: 9
Views: 421

Re: Lower cost but similar alternatives to these American Funds in my Roth IRA?

I think American Funds has a penchant for growth stocks. There are a lot of growth stock funds available, including some passive ones. There might not be any passive international growth funds because growth stocks tend to lag over time. I would sell it all and replace it with low cost passive optio...
by whodidntante
Wed May 16, 2018 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: TDAmeritrade - Free Trades - ?How To?
Replies: 12
Views: 634

Re: TDAmeritrade - Free Trades - ?How To?

I said "grumble grumble you changed the commission free ETF list, can I have 10 free trades?" I got a reply that said, "yes, absolutely! Here are 10 free trades!"
by whodidntante
Wed May 16, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Etrading
Replies: 7
Views: 476

Re: Etrading

I have a good friend at Interactive Brokers. She does not recommend calling. So you should use them for e-trading.
by whodidntante
Wed May 16, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Value Premium Lives!
Replies: 39
Views: 2775

Re: Larry Swedroe: Value Premium Lives!

Being totally selfish, the more people who don't believe in the value premium, the larger it is likely to be. So I'm OK with y'all concluding it is a bunch of Edward Jones.
by whodidntante
Wed May 16, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4235

Re: New motorcycle rider

Sorry I was away for a while. I was busy commuting on my motorcycle in an urban environment with distracted drivers. Before letting all the nervous Nellies talk you out of your motorcycle, consider that this is a website where 20 year olds are told they need bonds. Risk aversion is rampant here. Be ...
by whodidntante
Wed May 16, 2018 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Morgan growth fund
Replies: 14
Views: 739

Re: Vanguard Morgan growth fund

You are performance chasing. Growth stocks have been all the rage recently, but value stocks have tended to beat growth stocks over a long time horizon. Google Fama French three factor model and you'll see that value was one of the factors they identified as a source of risk and return.
by whodidntante
Wed May 16, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off Debt vs. Investing
Replies: 25
Views: 1327

Re: Paying off Debt vs. Investing

The impact of taxes is important for the marginal analysis. Loan principal and usually loan interest are paid back with after tax money, which for some of us means that a large percentage has already been lopped off. But if you can instead invest that money pre-tax and allow it to grow tax free (HSA...
by whodidntante
Wed May 16, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Better to be in debt to yourself or others?
Replies: 25
Views: 1527

Re: Better to be in debt to yourself or others?

I think it's reasonable to take a 401k loan to pay down high interest debt. You are deleveraging and temporarily reducing your exposure to capital markets. The advantage being that you save some money that would otherwise be spent on interest, and you doing so in a tax-efficient way compared to real...
by whodidntante
Wed May 16, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Better to be in debt to yourself or others?
Replies: 25
Views: 1527

Re: Better to be in debt to yourself or others?

Something to keep in mind, with a 401K loan, once you leave the employer you have only 60 days to pay back the entire balance This is incorrect. For one thing, the law never required this. The plan is allowed to make another arrangement. At Megacorp it just changes from payroll deduction to you rep...
by whodidntante
Wed May 16, 2018 7:04 am
Forum: Investing - Theory, News & General
Topic: Would you be willing to temporarily change your AA?
Replies: 27
Views: 1419

Re: Would you be willing to temporarily change your AA?

If you want to market time, use trend following. You gut is really bad at market timing.

Overrebalancing can also juice returns a bit but is a different system of market timing.

Either approach is going to produce worse outcomes some of the time.
by whodidntante
Tue May 15, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4235

Re: New motorcycle rider

I would suggest dirt bikes, renting a motorcycle at a track, and/or mountain biking. It's just not worth the risk. Ask an ER doctor. A dirt bike is a fast way to develop motorcycling skills, because dirt bikes have a high center of gravity, are twitchy and unstable, and you can fix most crash damag...
by whodidntante
Tue May 15, 2018 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Junk Bond fund
Replies: 65
Views: 3566

Re: Vanguard Junk Bond fund

We Bogleheads prefer to lose our money in Vanguard Total Bond Market.
by whodidntante
Tue May 15, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4235

Re: New motorcycle rider

Assume all cagers are trying to kill you.

Get at least a 750 cc engine.

If you get a harley, get a big twin.

Insurance is incredibly cheap.
by whodidntante
Tue May 15, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Car mileage, Fuel additives and other
Replies: 31
Views: 1395

Re: Car mileage, Fuel additives and other

To save gas, move closer, then buy a fire breathing hot rod.
by whodidntante
Tue May 15, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Margin debt ratio
Replies: 39
Views: 2316

Re: Margin debt ratio

Tanelorn knew it was NVDA because Tanelorn is The One.
by whodidntante
Mon May 14, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 128
Views: 6010

Re: Is there a boglehead muscle car?

Funny for a car thread, but I used to drive a V4 - except it only had two wheels. The model name was VFR and it would do 0-60 in 3.0 seconds. I only know that number from the published test data, since I was too scared to try it. Regarding V4 cars, I had a friend in college who actually owned a two...
by whodidntante
Mon May 14, 2018 9:33 pm
Forum: Investing - Theory, News & General
Topic: VYMI Vanguard International High Yield ETF Good way to get International Value tilt?
Replies: 11
Views: 1024

Re: VYMI Vanguard International High Yield ETF Good way to get International Value tilt?

Dividend yield is not a factor, and should not be confused with the value factor, even if they often hang out in the same places. But still, there are several good options for international value, international small and value, value and momentum, and international multifactor, so I don't see a reas...
by whodidntante
Mon May 14, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Bicycle insurance? when you're in the roadway like a car
Replies: 38
Views: 3064

Re: Bicycle insurance? when you're in the roadway like a car

I was somehow under impression that regular health insurance simply does not cover medical expenses due to auto accidents, which is why car owners need to buy PIP. Are you saying regular health ins will cover medical for a pedestrian victim if he doesn't have an auto PIP policy? There are situation...
by whodidntante
Mon May 14, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 60
Views: 15146

Re: Stopping unwanted "junk" newspaper

My favorite anachronism is the phone book that shows up every year, like it's 1950. I have never had a landline in my house and I've lived here for 14 years.
by whodidntante
Mon May 14, 2018 7:39 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 141
Views: 12748

Re: 2018 Hedge Fund contest

Meanwhile Sears has become a hot stock.
by whodidntante
Mon May 14, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 9808

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

My company has a safe harbor plan and just this year added after tax contributions with in service rollovers. But then I found out that as an HCE, my after tax contributions will likely be returned to me next year. I plan to shovel a bunch of money in during Q4 and see what happens.
by whodidntante
Mon May 14, 2018 5:26 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8759

Re: The front page is ugly

862 notifications, Nisi? The phone is ringing!!! :happy
by whodidntante
Mon May 14, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 128
Views: 6010

Re: Is there a boglehead muscle car?

What I would not do is settle for something short of what I really wanted or reach for something I could not afford. I would choose to defer that luxury until I didn't have to ask about "boglehead muscle cars" and could get what I wanted. Good luck in your search! I suspect the OP would consider an...
by whodidntante
Mon May 14, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 128
Views: 6010

Re: Is there a boglehead muscle car?

I drive a mustang GT as my only car in a place where winter weather is measured by suicide rates. It is comfortable, quiet, has a good ride, and will do ridiculous antics when called upon. It is incredibly reliable for a rocket ship.
by whodidntante
Mon May 14, 2018 12:54 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5323

Re: New Car Suggestions: BMW Crapping Out

Ahh, you didn't say it was the diesel. Block off the EGR, and get it coded out. Literally half the problems you will have are now gone. I have the same engine in my 3-series. 98% of the problems with these models are related to the emissions system. Take them out and you have a car that will run 50...
by whodidntante
Mon May 14, 2018 12:37 am
Forum: Investing - Help with Personal Investments
Topic: Margin debt ratio
Replies: 39
Views: 2316

Re: Margin debt ratio

I agree with the above poster that 25% provides a good buffer, at least with a diversified portfolio. However, your portfolio is highly concentrated in stock A. If stock A takes a serious beating, you will have an issue. Great companies can and do blow up.
by whodidntante
Sun May 13, 2018 10:20 pm
Forum: Investing - Theory, News & General
Topic: HSBC - Checking+Brokerage Bonus $750 for 100K in 90 days - Any catch?
Replies: 14
Views: 1354

Re: HSBC - Checking+Brokerage Bonus $750 for 100K in 90 days - Any catch?

If you can get $750 for parking 100k in transferred in kind securities there for 12 months, it's a good deal. Is that what they offer? I might take it myself.