Search found 4537 matches

by whodidntante
Thu Jan 17, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Promo Rate Runs Out
Replies: 4
Views: 226

Re: Credit Card Promo Rate Runs Out

You lose the grace period if you have a balance with modern credit cards, so you might owe interest on some of the charges in the final month depending on how the dates line up. I just stop using the card a couple of months prior, or settle up early if I want to use the card so the grace period is a...
by whodidntante
Thu Jan 17, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: How long until we see negative ER funds?
Replies: 18
Views: 1012

Re: How long until we see negative ER funds?

I only have one sixth of my stock investments in US large cap stocks, so a lot of the funds I buy into generate significant income from securities lending. I also receive free trades and cash bonuses for being such an awesome customer, I guess. And oh look, Bank of America also gives me a 75% credit...
by whodidntante
Wed Jan 16, 2019 8:24 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 763
Views: 34770

Re: John Bogle is dead at 89

Who is the happier man, he who has braved the storm of life and lived or he who has stayed securely on shore and merely existed?

One last toast to Bogle's folly. May we be lucky enough to be weird and proven right!

:sharebeer
by whodidntante
Wed Jan 16, 2019 1:51 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 128
Views: 5923

Re: 2019 Hedge Fund Contest

Is a loss of over 100% a bust out? Or do we assume unlimited helicopter angel money?
by whodidntante
Wed Jan 16, 2019 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Money Market Options
Replies: 15
Views: 1008

Re: TD Ameritrade Money Market Options

gclancer wrote:
Wed Jan 16, 2019 1:39 pm
The answer is NPLXX - there is a $2,500 minimum. It is the lowest minimum NTF MM Fund that TD offers.
You should bill TDA customer service for your research fee.
by whodidntante
Wed Jan 16, 2019 12:40 pm
Forum: Investing - Theory, News & General
Topic: Forward P/E ratios and subsequent 10-year returns
Replies: 6
Views: 497

Re: Forward P/E ratios and subsequent 10-year returns

Valuations tend to fall when earnings growth is projected to be lower according to a thing I just wrote. But hey it sounds like it would be true.
by whodidntante
Wed Jan 16, 2019 1:23 am
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 70
Views: 4454

Re: When would you stop being a Boglehead?

I don't consider this hard and I don't like burning money. I would be willing to hire a pro when needed and after vetting, most likely fee only. It wouldn't be based on my net worth, but convenience or knowledge that is worth the money to me. I would hire a specific person, not a company, although t...
by whodidntante
Wed Jan 16, 2019 12:13 am
Forum: Investing - Theory, News & General
Topic: Betterment's Egan Cashflow
Replies: 7
Views: 539

Re: Betterment's Egan Cashflow

Life is too short to spend it playing with buckets.
by whodidntante
Tue Jan 15, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 162
Views: 8211

Re: Are You Dumping Netflix?

We should all dump Netflix and tell our friends to dump Netflix to help my hedge fund.
by whodidntante
Tue Jan 15, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6451

Re: A co-worker makes more than me

Ask for a raise if you think you deserve it and could earn more elsewhere. What your colleague makes is not relevant.
by whodidntante
Tue Jan 15, 2019 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target 2050 question
Replies: 7
Views: 552

Re: Vanguard Target 2050 question

It's a good fund that has a high % stock allocation. You stand to gain or lose a lot. Did you also complain when it went up? Going down is the other thing that risky investments do.
by whodidntante
Tue Jan 15, 2019 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Potentially being laid off with a 401k loan
Replies: 12
Views: 1287

Re: Potentially being laid off with a 401k loan

Before any advice, it's vital to know when the loan was made. The tax law changed and new loans have greatly extended repayment schedule. If the loan was taken out in 2018 or later, then all the of posts about immediate or 60-day repayment are not correct. If older, then you need to find out the sp...
by whodidntante
Tue Jan 15, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 31184

Re: Funniest movies of all time? Name five of your favorites...

Kingpin
The Big Lebowski
Fear and Loathing in Las Vegas
Life of Brian
Planes, Trains, and Automobiles
by whodidntante
Tue Jan 15, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 50k car? If so, whats the best way to do it?
Replies: 48
Views: 2027

Re: Can I afford a 50k car? If so, whats the best way to do it?

livesoft wrote:
Tue Jan 15, 2019 6:00 pm
You can afford a $50K car as long as you pay $30K or less for it. That's what I do.
Pffft. Why not 20k?
by whodidntante
Tue Jan 15, 2019 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Super Aggressive MF or ETFs?
Replies: 20
Views: 1087

Re: Super Aggressive MF or ETFs?

A concentration in value stocks or SCV stocks up to 100% of your portfolio, and a concentration in emerging markets value stocks up to 25% of your stock holdings is as aggressive as I would want to be. If you want to be more aggressive than that, financial futures can provide cheap leverage at the p...
by whodidntante
Tue Jan 15, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Potentially being laid off with a 401k loan
Replies: 12
Views: 1287

Re: Potentially being laid off with a 401k loan

What date did you take the loan?
by whodidntante
Mon Jan 14, 2019 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Money Market Options
Replies: 15
Views: 1008

Re: TD Ameritrade Money Market Options

Federated Institutional Prime Value Obligations Fund Institutional Shares PVOXX EXP 0.49% 7 Day Yield 2.54% MONEY MKT OBLIGS TR PRIME CASH INS PCOXX Exp 0.33% 7 Day Yield 2.47% MONEY MKT OBLIGS TR FED PRMVAL OBLCP PVCXX Exp 0.74% 7 Day Yield 2.44% MONEY MKT OBLIGS TR FED PRMCA OBLCAP PCCXX Exp 0.58...
by whodidntante
Mon Jan 14, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: Bogleheads Drink Up! [Bogle Vineyards Wine]
Replies: 32
Views: 8722

Re: Bogleheads Drink Up! [Bogle Vineyards Wine]

Nicolas wrote:
Mon Jan 14, 2019 6:47 pm
I like the cab. I can get it for $7.99 a bottle here. I’m going to buy a case.
How is the ZERO Zinfandel? I might be thinking of Fidelity Vineyards.
by whodidntante
Mon Jan 14, 2019 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: How do funds transfer when you do a 401k to a IRA rollover?
Replies: 5
Views: 253

Re: How do funds transfer when you do a 401k to a IRA rollover?

Normally the funds get liquidated and transfer in cash, but there might be exceptions to this depending on the plan administrator and the receiving brokerage. Of course, once you have them in your brokerage, you can buy whatever funds you want with no tax consequence. Liquidated cash. https://econo...
by whodidntante
Mon Jan 14, 2019 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Roast my portfolio. VEMAX instead of VTIAX?
Replies: 20
Views: 1487

Re: Roast my portfolio. VEMAX instead of VTIAX?

Are state taxes an issue? And can you move the bonds to tax-deferred accounts? I can. Then I suggest bonds in tax deferred and equities in taxable. You'll have the same asset allocation and risk exposure but the ability to defer more taxes, and more favorable long term capital gains tax rates.
by whodidntante
Sun Jan 13, 2019 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Roast my portfolio. VEMAX instead of VTIAX?
Replies: 20
Views: 1487

Re: Roast my portfolio. VEMAX instead of VTIAX?

Are state taxes an issue? And can you move the bonds to tax-deferred accounts?
by whodidntante
Sun Jan 13, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 62
Views: 18846

Re: Review after one month with Fidelity Cash Management

lmbebo wrote:
Sun Jan 13, 2019 11:03 am

Does CMA integrate ok with personal capital/mint?

Thanks
Yes, with both.
by whodidntante
Sun Jan 13, 2019 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Roast my portfolio. VEMAX instead of VTIAX?
Replies: 20
Views: 1487

Re: Roast my portfolio. VEMAX instead of VTIAX?

Your portfolio so fat, even the dividends are growing.
by whodidntante
Sun Jan 13, 2019 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Short-term bond allocation
Replies: 8
Views: 639

Re: Short-term bond allocation

It's a personal decision about how much term risk you want to take. I think 100% short term bonds is OK, too.
by whodidntante
Sun Jan 13, 2019 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Zero Funds
Replies: 33
Views: 1915

Re: Fidelity Zero Funds

jhfenton wrote:
Sun Jan 13, 2019 10:19 am
How many times do we have to cover the same ground?
Well, let's face it. Not many interesting and contentious things happen in passive investing. But thankfully we can argue about ZERO funds, factor investing, and international allocation forever. :sharebeer
by whodidntante
Sun Jan 13, 2019 10:35 am
Forum: Investing - Help with Personal Investments
Topic: 95% of my taxable acct is VTIAX international. Bad idea?
Replies: 6
Views: 836

Re: 95% of my taxable acct is VTIAX international. Bad idea?

Questions: 1. Does it make sense to sell half the international for future flexibility? 2. If I sell half the international, is the only tax consequence capital gains 15% of $5,000 =$750 ?? 3. Is it generally wise to spend down taxable accounts first, then IRA, then Roth? Hi Mike, 1) In my opinion,...
by whodidntante
Sun Jan 13, 2019 12:46 am
Forum: Investing - Help with Personal Investments
Topic: VRDOs - A reasonable T-bill alternative to park cash ?
Replies: 1
Views: 265

Re: VRDOs - A reasonable T-bill alternative to park cash ?

Probably stick with T-bills, but I also like to look under rocks. It's tough to beat the liquidity of a T-bill, especially during a crazy market day/week/year. What kind of spreads do VRDOs have? How do they trade during a crisis? And are you comfortable with the risk of default, even if it's low?
by whodidntante
Sun Jan 13, 2019 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Experience with HSA to HSA trustee transfer?
Replies: 41
Views: 1829

Re: Experience with HSA to HSA trustee transfer?

I checked on Optum's website, and they do charge @20 for withdrawals/transfers out and account closure. In the menu, I have the choice to either Pay a provider or "Reimburse myself" via ACH transfer to my account. No option for withdrawals, but I suppose I can use the Reimburse Yourself option, rig...
by whodidntante
Sat Jan 12, 2019 11:29 pm
Forum: Investing - Theory, News & General
Topic: Anyone beating the index instead of buying it?
Replies: 51
Views: 5039

Re: Anyone beating the index instead of buying it?

Which index? And is this personal/actionable or is the OP just trying to get us to argue?
by whodidntante
Sat Jan 12, 2019 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: 29 Y.O. with a $60,000 bonus
Replies: 23
Views: 2272

Re: 29 Y.O. with a $60,000 bonus

Username1 wrote:
Sat Jan 12, 2019 6:36 pm

There's no 401k. The total bonus is $100,000. I already took $40,000 early to pay off the Prius. My salary is $90,000. I have $60,000 due to me.
That's quite a plot twist. I mean, you paid 40 grand for a Prius? :twisted:
by whodidntante
Sat Jan 12, 2019 9:08 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets cannot be fairly valued and investors are better off elsewhere: Change my mind :)
Replies: 128
Views: 7344

Re: Emerging markets cannot be fairly valued and investors are better off elsewhere: Change my mind :)

For all this esoteric talk based on valuations and numbers, it is worth noting that the so called Emerging Markets funds are essentially an investment in just about 4 large countries, 3 if you consider China/Taiwan as one economic block. Take a look at the country allocation for Vanguard EM Index f...
by whodidntante
Sat Jan 12, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Question During Job Interview
Replies: 17
Views: 2269

Re: Salary Question During Job Interview

I generally expect to discuss salary at the end of the interview, even if the interview involves significant travel. I need to know what I'm going to have to do before quoting a price. Am I going to live in Asia three months out of the year? Is this a "succeed or die" job where I am charged with ove...
by whodidntante
Sat Jan 12, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: Fidelity HSA: Bill Pay Works From Website, Not in App
Replies: 2
Views: 192

Re: Fidelity HSA: Bill Pay Works From Website, Not in App

I don't spend the money in my HSA. But if I did, I think I would use a rewards credit card and then withdraw money via ACH to pay the credit card bill. You do not need to pay the medical expenses directly.
by whodidntante
Sat Jan 12, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: 29 Y.O. with a $60,000 bonus
Replies: 23
Views: 2272

Re: 29 Y.O. with a $60,000 bonus

Max all tax advantaged accounts.
by whodidntante
Sat Jan 12, 2019 6:05 pm
Forum: Investing - Theory, News & General
Topic: What are the disadvantages of taking all risk on equity side?
Replies: 63
Views: 3553

Re: What are the disadvantages of taking all risk on equity side?

The market timer in me says this is not a good time for taking term risk. A 5% loss in a bond fund annoys me because it seems inevitable, but a similar loss in equities seems like noise. I could be wrong of course.
by whodidntante
Sat Jan 12, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 35
Views: 3918

Re: How to buy business class tickets?

It depends on the price difference. The people who set pricing for airlines consume a great deal of psychedelic drugs, and then they have a randomizer, so sometimes I am able to find first/business class for a modest price increase. But there is a pattern in the madness. This most often happens when...
by whodidntante
Sat Jan 12, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 68
Views: 3772

Re: Brake fluid replacement?

Brake fluid takes on water and other contaminants and will boil at a lower temperature. Boiling is very much bad, because you will experience sudden brake fade. I have boiled my brake fluid on the track so I have experienced this first hand. And that brake fluid was specialized (higher boiling poin...
by whodidntante
Sat Jan 12, 2019 10:55 am
Forum: Investing - Help with Personal Investments
Topic: E-Trade or Charles Schwab
Replies: 14
Views: 655

Re: E-Trade or Charles Schwab

I have had fantastic experiences with both E*Trade and Schwab, and I have absolutely nothing to complain about. I believe E*Trade offers a larger cash bonus than Schwab for a new account, if that is something you care about. It is something I care about.
by whodidntante
Sat Jan 12, 2019 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Rollover - why checks instead of wiring funds?
Replies: 35
Views: 1421

Re: Rollover - why checks instead of wiring funds?

The only way to get at least some of the risk out of these transfers is to only transfer bond funds. If you have bonds elsewhere in a tax-advantaged account, sell them there and buy an equivalent of what is in the account to be transferred, and do the opposite in that account. If you don't have eno...
by whodidntante
Sat Jan 12, 2019 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Rollover - why checks instead of wiring funds?
Replies: 35
Views: 1421

Re: Rollover - why checks instead of wiring funds?

It's because stodgy, inflexible organizations like checks, or they hire attorneys and advisors who tell them to like checks and they don't question it. They especially like to put them into the mail, with two hops if possible. There are ways of mitigating fraud of electronic transfers, and verifying...
by whodidntante
Sat Jan 12, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3131

Re: Car Battery

In my area it is possible to store a car. They will keep the battery charged and move the car now and then.
by whodidntante
Sat Jan 12, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 68
Views: 3772

Re: Brake fluid replacement?

Brake fluid takes on water and other contaminants and will boil at a lower temperature. Boiling is very much bad, because you will experience sudden brake fade. I have boiled my brake fluid on the track so I have experienced this first hand. And that brake fluid was specialized (higher boiling point...
by whodidntante
Fri Jan 11, 2019 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: "Borrowing" strategy from IRA
Replies: 19
Views: 919

Re: "Borrowing" strategy from IRA

It's true that you can have the money outside of the IRA for 60 days. That might be enough. Who knows? By the time you move it around, it's be 50 something days at best. Other ideas: Some banks are offering signature loans to impacted federal workers, and loan skip a payment programs. Take a TSP loa...
by whodidntante
Fri Jan 11, 2019 11:01 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1437
Views: 236848

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

New bonus alert. $200 for 25k at Chase You Invest. https://accounts.chase.com/youinvest/trade/offer?jp_cmp=rb/Chase_Brand_Exact_You+Invest_SEM_US_No+xLOB_Standard_NA/sea/p38425640377/You+Invest Thanks for this information. Thinking of transferring 25k over for the bonus. Do you know if they have so...
by whodidntante
Fri Jan 11, 2019 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 10987

Re: Biggest Investment Mistake

I listened to Dave Ramsey's investing advice. He's loud, arrogant, and wrong.