Search found 2787 matches

by whodidntante
Thu Feb 22, 2018 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: DFA prospectus question
Replies: 2
Views: 193

Re: DFA prospectus question

Standard practice for some, possibly CYA for DFA since I have not heard of DFA doing revenue sharing before.
by whodidntante
Thu Feb 22, 2018 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Small Personal Loans for Mixed Martial Arts Training
Replies: 16
Views: 952

Re: Small Personal Loans for Mixed Martial Arts Training

Apply and see. They might ask, they might not, and they might not care what you say if they do ask. Unsecured bank loans with reasonable rates typically require good credit and income. A credit card might be easier to get because the issuers focus on "relationships." Meaning they want to get revenue...
by whodidntante
Thu Feb 22, 2018 10:25 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront Risk Parity???
Replies: 7
Views: 803

Re: Wealthfront Risk Parity???

Why don't they buy the AQR fund, or partner with Bridgewater? If I follow the money, I may be able to figure this out.
by whodidntante
Thu Feb 22, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: Evidence that retirement account ID theft is increasing
Replies: 8
Views: 1493

Re: Evidence that retirement account ID theft is increasing

The question I have is have there been cases where the stolen funds have not been reimbursed? If the fraud was made possible because you were tricked into authorizing a transaction, gave your password to an attacker, etc., then you would have several options for retirement. Or rather flavors. Of Al...
by whodidntante
Thu Feb 22, 2018 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Military FIRE; 7 years to go & losing motivation--HELP!
Replies: 30
Views: 2399

Re: Military FIRE; 7 years to go & losing motivation--HELP!

The pension and medical is a big deal towards enabling early retirement. What does life outside the Army look like? It might sound better because you are tired of Army life, but is it really better? I would think that would involves some big sacrifices towards your retirement plans, and possibly eve...
by whodidntante
Thu Feb 22, 2018 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Equity Income vs S&P 500
Replies: 17
Views: 1566

Re: Vanguard Equity Income vs S&P 500

Besides lack of mental/emotional fortitude, is there an additional reason why I should not be in equities 100% with such a long investing horizon? As another posted explained, sometimes your need for money moves up by a few decades. It's not always a smooth linear slope to a retirement milestone. Y...
by whodidntante
Wed Feb 21, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: two year treasury instead of 2 year cd?
Replies: 7
Views: 963

Re: two year treasury instead of 2 year cd?

Don't buy a 2 year treasury if you expect to need the "liquidity." Otherwise, sounds solid.
by whodidntante
Wed Feb 21, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: Will Emerging China Change Things for Domestic Investing?
Replies: 24
Views: 1499

Re: Will Emerging China Change Things for Domestic Investing?

raisinsaregrapes wrote:
Wed Feb 21, 2018 8:12 pm
I think it was Warren Buffet that said "Never bet against America."
Do you consider investing in China to be betting against America? I don't.
by whodidntante
Wed Feb 21, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Money Market now at 1.5%
Replies: 15
Views: 2037

Re: Capital One 360 Money Market now at 1.5%

My Redneck Bank account pays 1.75% on my $10 in cash, plus my debit card has a horse on it.
by whodidntante
Wed Feb 21, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: J. Montier: US equity market is obscenely overvalued
Replies: 33
Views: 3214

Re: J. Montier: US equity market is obscenely overvalued

JBTX wrote:
Wed Feb 21, 2018 1:04 pm
I don’t necessarily change my investing based upon their discussions but I don’t dismiss them either.
Exactly. I appreciate the different perspective of the author. Now if you'll excuse me, someone has asked if they should pay off their mortgage.
by whodidntante
Wed Feb 21, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Trade my BMW?
Replies: 43
Views: 2109

Re: Trade my BMW?

I don't recommend trading a car. Sell it to a private party and keep the purchase of the other car separate. You can then light two grand on fire if you find you have too much money.
by whodidntante
Wed Feb 21, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: 401K New Fee Structure
Replies: 3
Views: 249

Re: 401K New Fee Structure

I think you should use the 401k and max it prior to taxable investments. Your fees are not an overriding concern. In fact they are better than what a lot of us have.
by whodidntante
Wed Feb 21, 2018 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 52
Views: 4970

Re: Yikes, I waited too long, am I [too late]? 50k to invest

OK, but I would say that your main issue has been inability to save, not asset allocation. And improving your ability to save is the most important thing going forward. I recommend you focus on that issue first and continuously. Asset allocation doesn't matter when nothing has been invested! Set a t...
by whodidntante
Tue Feb 20, 2018 11:52 pm
Forum: Investing - Theory, News & General
Topic: What's the impact of no more Roth recharacterization?
Replies: 29
Views: 2453

Re: What's the impact of no more Roth recharacterization?

Some people enjoyed earning a risk free return by performing a Roth conversion at the start of the year, seeing what the market did all year, and then possibly reverting the conversion. If the market moved down, you would recharacterize so you don't pay tax on money that was converted to the Roth. I...
by whodidntante
Tue Feb 20, 2018 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 245
Views: 15829

Re: free dinner investing seminar

If this were a free lunch, I would know what to do.
by whodidntante
Tue Feb 20, 2018 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 52
Views: 4970

Re: Yikes, I waited too long, am I [too late]? 50k to invest

Why haven't you invested until now? Has your situation changed in any way that makes you think you can invest going forward? My perspective on asset allocation is that you should take more risk when your portfolio is smaller, assuming that you are willing and able. A 100% stock portfolio has a reali...
by whodidntante
Tue Feb 20, 2018 10:54 pm
Forum: Investing - Theory, News & General
Topic: Quantitative value for portfolio risk?
Replies: 8
Views: 326

Re: Quantitative value for portfolio risk?

People mean different things when they talk about risk. It's important to understand what you are calling risk, so you can understand if a measurement reflects that. Some mean max realistic drawdown. Those are the people who will warn you you'd better be ready for a 50% drop in your stocks, and a 10...
by whodidntante
Tue Feb 20, 2018 9:15 pm
Forum: Investing - Theory, News & General
Topic: Anyone using Optum Bank for HSA?
Replies: 29
Views: 3987

Re: Anyone using Optum Bank for HSA?

I can now update the thread since my transfer went through. No issues so far. I'm using my HSA as a stealth IRA, and I've invested all the money above $2,000 in Schwab Target 2060 Index Fund I SWYNX, 0.08% ER. There is a decent selection of Vanguard funds. My employer is paying all fees with this se...
by whodidntante
Tue Feb 20, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: HughesNet Gen 5
Replies: 5
Views: 598

Re: HughesNet Gen 5

I used satellite Internet for several months. My advice is to move.
by whodidntante
Tue Feb 20, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Horrible Experience with Ally New Account Opening Process
Replies: 21
Views: 1776

Re: Horrible Experience with Ally New Account Opening Process

Move on from Ally. It's not a big deal.

You can pull your ChexSystems report for free. If it has negative information that is false, you'll be able to get it removed. I wouldn't sweat it.
by whodidntante
Mon Feb 19, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: Interactive Brokers fee structure for passive investors
Replies: 36
Views: 2372

Re: Interactive Brokers fee structure for passive investors

SlowMovingInvestor wrote:
Mon Feb 19, 2018 8:26 am
IB is definitely geared towards active investors, especially those who want to trade 'exotic' instruments. Not suitable for buy-and-holders at all.
Fidelity would like it if I trade frequently and pay margin interest. That doesn't mean that I'm going to do it.
by whodidntante
Sun Feb 18, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: 6 and 12 MO CD's or Treasury Bills
Replies: 10
Views: 981

Re: 6 and 12 MO CD's or Treasury Bills

Scooter57 wrote:
Sun Feb 18, 2018 11:15 pm
Any reason why you can't use the NASA Credit Union 2.25% 11mo CD?
The OP specified a Vanguard account.
by whodidntante
Sun Feb 18, 2018 11:25 pm
Forum: Investing - Theory, News & General
Topic: 6 and 12 MO CD's or Treasury Bills
Replies: 10
Views: 981

Re: 6 and 12 MO CD's or Treasury Bills

Treasuries are liquid and the dividends are exempt from state income tax.
by whodidntante
Sun Feb 18, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Switching to Gov't Bonds as you get closer to retirement?
Replies: 6
Views: 730

Re: Switching to Gov't Bonds as you get closer to retirement?

You still have term risk with sovereign bonds. You solve the credit risk issue for all practical purposes. Swedroe has advised to use short-term treasuries exclusively in one of his model portfolios. But the same portfolio took on more risk with equities (SCV). I think we're all living with the ghos...
by whodidntante
Sun Feb 18, 2018 7:08 pm
Forum: Forum Issues and Administration
Topic: Fewer Readers Despite Continued Market Volatility
Replies: 7
Views: 676

Re: Fewer Readers Despite Continued Market Volatility

Someone should make an ETF based on the predictive power of bogleheads.org traffic. Make sure to apply blockchain and AI so you don't have to spend money on marketing. Ticker: BOGL
by whodidntante
Sun Feb 18, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 39
Views: 3911

Re: I reduced my exposure to US stocks before the correction.

A 50% drop in equities would change the tone of the U.S. Stocks in Freefall permathread significantly.
by whodidntante
Sun Feb 18, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Expected return of US vs International, basic question
Replies: 26
Views: 1377

Re: Expected return of US vs International, basic question

There are a lot of benefits to international diversification but for me the main one is the hopefully unlikely scenario that the US suffers some sort of country specific phenomenon like Japan that leads to decades of subpar returns. That's one reason for me. We can imagine far worse scenarios if we...
by whodidntante
Sun Feb 18, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Old 401k Statements
Replies: 9
Views: 785

Re: Old 401k Statements

Whenever I encounter an old one I look at it for nostalgia, to see where I was and what I thought a good investment was at that time. But then I either shred it or put it back where I found it.
by whodidntante
Sun Feb 18, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 39
Views: 3911

Re: I reduced my exposure to US stocks before the correction.

I did too, accidentally. I liquidated my HSA investments for a trustee to trustee transfer. They were sold near the (current) top and rebought near the (current) bottom strictly by luck.
by whodidntante
Sun Feb 18, 2018 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 533

Re: Please help me sensibly add EM and Dev into my portfolio

The TSP I fund is fine, and will soon include emerging markets. If you want more EM than that, you could buy an emerging markets index fund at Vanguard. For example, this one. You would sell some of the target retirement fund to generate cash for it, or use some of your 50% cash allocation to buy i...
by whodidntante
Sun Feb 18, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 533

Re: Please help me sensibly add EM and Dev into my portfolio

The TSP I fund is fine, and will soon include emerging markets. If you want more EM than that, you could buy an emerging markets index fund at Vanguard. For example, this one. You would sell some of the target retirement fund to generate cash for it, or use some of your 50% cash allocation to buy it...
by whodidntante
Sun Feb 18, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Talk to me about jobs with primerica
Replies: 13
Views: 734

Re: Talk to me about jobs with primerica

I don't know a ton about that company, but I can give one data point. YMMV. I listened to one of their sales pitches when I was in college 900 years ago. The advisor was bragging about how much money he was making helping people live their dreams. He also told us what kind of car he drove, and that ...
by whodidntante
Sun Feb 18, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: Stock Market Trend [Theories/Myths]
Replies: 6
Views: 582

Re: Stock Market Trend Conspiracy Theories/Myths

Markets up on the days of the month welfare is issued. I don't think "welfare" payments are really a thing in the USA. Unless you are referring to social security disability, social security retirement benefits, public housing assistance, public food assistance, military medical and pension benefit...
by whodidntante
Sun Feb 18, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: HSA's - invest or use for current expenses?
Replies: 10
Views: 682

Re: HSA's - invest or use for current expenses?

This is my third year of having a HDHP and an HSA. I've maxed it each year. I've never withdrawn money from it. I would if I felt I needed to. I previously had my HSA money invested in emerging markets equities, but my work changed which HSA provider they were willing to pay for. That new provider o...
by whodidntante
Sun Feb 18, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 6744

Re: Sell me on the benefits of an emergency fund

A major earthquake hits. Power is knocked-out, businesses are closed. The only thing being accepted is cash. I go to my safe and pull out my emergence fund - a stack on fresh bills to trade for food and water. Replace "earthquake" with "Chinese cyberattack" or "fire" or "flood" or ... 30 gallons of...
by whodidntante
Sun Feb 18, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 6744

Re: Sell me on the benefits of an emergency fund

Im sure people here will talk about all the emergencies that could happen, but in reality, having the fund was a terrible decision for me, and i got rid of it. I have significant taxable holdings, and a few credit cards. YMMV Same here. People with sufficient liquidity don't need a big pile of cash...
by whodidntante
Sun Feb 18, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Expected return of US vs International, basic question
Replies: 26
Views: 1377

Re: Expected return of US vs International, basic question

z3r0c00l wrote:
Sun Feb 18, 2018 10:34 am
Expectations are meaningless to me.
Why own stocks, then?
by whodidntante
Sun Feb 18, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Pre- vs post-tax saving: Am I thinking it wrong?
Replies: 25
Views: 1675

Re: Pre- vs post-tax saving: Am I thinking it wrong?

Since discussion of this topic (Roth vs traditional) necessarily entails at least some minor speculation about future tax rate changes, it may also be worth considering the scenario, however unlikely, where a future tax is levied on Roth account withdrawals. I won't go any further than that since I...
by whodidntante
Sun Feb 18, 2018 1:46 am
Forum: Investing - Theory, News & General
Topic: Target Retirement Fund Question
Replies: 20
Views: 1512

Re: Target Retirement Fund Question

Two people cannot be in control. When you buy a target date fund, you are ceding control of your investments to a professional manager. It doesn't sound like you want that, so don't buy it.
by whodidntante
Sat Feb 17, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Using Emergency Fund to pay off loan
Replies: 7
Views: 488

Re: Using Emergency Fund to pay off loan

3.25% is still pretty cheap. I wouldn't get excited about paying it down. But consider investing some of that "emergency fund." A year of salary is excessive for most people.
by whodidntante
Sat Feb 17, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: New to bond investing — should I seek more diversity?
Replies: 10
Views: 686

Re: New to bond investing — should I seek more diversity?

Also does "take on more risk" mean put more in equities or is there a way to choose bonds that are riskier but might produce higher returns? Yes you can. Emerging market bonds and high yield bonds would work. However, some bogleheads don't recommend these assets because they are sometimes highly co...
by whodidntante
Sat Feb 17, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Illinois 1040 Schedule SA
Replies: 1
Views: 171

Illinois 1040 Schedule SA

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Deleted
by whodidntante
Sat Feb 17, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: New to bond investing — should I seek more diversity?
Replies: 10
Views: 686

Re: New to bond investing — should I seek more diversity?

The main question is, what are you trying to accomplish by changing your allocation? Great question, I should have mentioned that in the original post. 100% of this portfolio is for retirement in ~35 years (at least that's the plan — I know a lot can happen in that time). I was thinking that the bo...
by whodidntante
Sat Feb 17, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: New to bond investing — should I seek more diversity?
Replies: 10
Views: 686

Re: New to bond investing — should I seek more diversity?

I have been managing my own portfolio for about three years now, and have just gotten comfortable enough to move my holdings out of Target Retirement 2055 funds (which were 90% equity) and start holding and rebalancing individual funds. I have also moved into a more conservative asset allocation (7...
by whodidntante
Sat Feb 17, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations for Fidelity Bond Funds in Taxable Account
Replies: 25
Views: 1698

Re: Recommendations for Fidelity Bond Funds in Taxable Account

You could put your bonds in tax deferred and hold nothing but equity index ETFs in taxable. You would likely not owe any tax on qualified dividends or on LTCG.
by whodidntante
Sat Feb 17, 2018 1:27 am
Forum: Investing - Theory, News & General
Topic: Bberg: bond bulls say they'll have the last laugh
Replies: 16
Views: 2131

Re: Bberg: bond bulls say they'll have the last laugh

My own take is slightly different. I think we are headed for stagflation. Higher inflation but weak economic growth. All this tax stuff is just a head fake. The retail consumer, who drive like 70% of the U.S. economy is still dead-in-the-water... Ah. The one environment where we all lose. TIPS don'...