Search found 4278 matches

by whodidntante
Tue Dec 11, 2018 12:59 am
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 32
Views: 3415

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

The B of A platinum preferred rewards work for me. I keep most of the "minimum $100k" in Merrill Edge. Retired and since BofA and ME are my "operating" accounts, I keep some liquid in their Preferred Deposit at 1.97% - easy to then move to my BofA checking. Keep the bulk in a CD ladder 6 months, 9 ...
by whodidntante
Mon Dec 10, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Rental car totalled - amex insurance issue
Replies: 17
Views: 2362

Re: Rental car totalled - amex insurance issue

I wonder how well the insurance that I don't pay extra for works.
by whodidntante
Sun Dec 09, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: T-Mobile MONEY
Replies: 4
Views: 511

Re: T-Mobile MONEY

I give this is a solid, heartfelt meh.
by whodidntante
Sun Dec 09, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2484

Re: New QUIET Tires for Accord

I had the Pirelli P7’s on my 2005 Camry and they did not wear well at all. I know they are highly rated on Tire Rack but that was my experience. I have had good luck with Goodyear ComforTred as a good tire with good wear and quiet performance. I've had two sets of pirellis. They wore quickly, were ...
by whodidntante
Sun Dec 09, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2484

Re: New QUIET Tires for Accord

I've had excellent luck with goodyear assurance comfortred tires. My SO has them on an accord and likes them. No noise, sure footing, and they wear well.
by whodidntante
Sat Dec 08, 2018 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund for 2nd tier EF?
Replies: 6
Views: 495

Re: Which fund for 2nd tier EF?

Vanguard said those ex-USA developed market equities have reasonable valuations. Maybe buy some of those.
by whodidntante
Sat Dec 08, 2018 9:47 pm
Forum: Forum Issues and Administration
Topic: Can't upload my profile pic
Replies: 4
Views: 1958

Re: Can't upload my profile pic

I have a confession to make. I'm not nearly this bald.
by whodidntante
Sat Dec 08, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Best Re-balancing technique . . .
Replies: 20
Views: 1381

Re: Best Re-balancing technique . . .

I look at my entire portfolio as one big bag and use tools like portfoliovisualizer, personal capital, and full view to understand my asset allocation and factor loading. Then I implement my desired portfolio as tax efficiently as possible. Tax efficiency is also a consideration when rebalancing. If...
by whodidntante
Sat Dec 08, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: TLH when not itemizing
Replies: 6
Views: 768

Re: TLH when not itemizing

That's right.
by whodidntante
Sat Dec 08, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: Do long-term bonds belong in one's portfolio?
Replies: 150
Views: 7017

Re: Do long-term bonds belong in one's portfolio?

I'll just stick to timing the bond market, thanks.
by whodidntante
Fri Dec 07, 2018 10:17 pm
Forum: Investing - Theory, News & General
Topic: Buy I-bonds Jan 1 or May 1?
Replies: 6
Views: 731

Re: Buy I-bonds Jan 1 or May 1?

Just put a big, fat tax overpayment on your rewards credit card, then take it back as I bonds. The $1,000 I bond has Einstein on it, so you can count your Einsteins. Then you can figure out when you want to buy 10 grand more.
by whodidntante
Fri Dec 07, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Do I have a rebate, subsidy, savings for you!
Replies: 23
Views: 1971

Re: Do I have a rebate, subsidy, savings for you!

The worst in my opinion are the cable tv/internet providers. They offer much lower pricing to new customers and treat loyal existing customers terribly. The only way for an existing customer to get a fair deal is to quit or threaten to quit every year. What other industry has a business model like ...
by whodidntante
Fri Dec 07, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Auto refinance
Replies: 10
Views: 354

Re: Auto refinance

In my area credit unions have the lowest rates. 2.29% is available for a refi. YMMV.
by whodidntante
Fri Dec 07, 2018 1:35 pm
Forum: Investing - Theory, News & General
Topic: We Are Teetering on the Edge of A DEATH CROSS
Replies: 50
Views: 8372

Re: We Are Teetering on the Edge of A DEATH CROSS

I saw this movie. There is nothing to worry about. The death star is still under construction and has an inexplicable weakness that can be easily exploited by the rebels.
by whodidntante
Fri Dec 07, 2018 12:03 am
Forum: Investing - Help with Personal Investments
Topic: Retiring in 2 weeks, Traditional 401k
Replies: 99
Views: 6618

Re: Retiring in 2 weeks, Traditional 401k

reeko0530 wrote:
Thu Dec 06, 2018 10:47 pm

They are in Illinois. I believe the property taxes currently are 5700 a year.
Illinois has property tax exemptions for senior citizens and Cook County has special exemptions for long time residents. Also, retirement account distributions are not taxed at the state level.
by whodidntante
Thu Dec 06, 2018 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 2 weeks, Traditional 401k
Replies: 99
Views: 6618

Re: Retiring in 2 weeks, Traditional 401k

He doesn't have enough money for a comfortable retirement. He will have to be very careful with spending in retirement for the rest of his life. It will be easier to do that if he avoids taking on debt or any financial missteps. A target date 2020 fund provides a rational asset allocation, and you c...
by whodidntante
Thu Dec 06, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Question: Jamie Dimon ( JPMorgan ) on Bonds
Replies: 18
Views: 2189

Re: Question: Jamie Dimon ( JPMorgan ) on Bonds

If you wish to profit from his prophecy, sell 10 year Treasury futures. Although you might get added to the road of bones built from every trader who tried to profit from speculation on interest rates or oil prices.
by whodidntante
Thu Dec 06, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges on Chase Credit Card -- Chase unresponsive
Replies: 8
Views: 1761

Re: Fraudulent charges on Chase Credit Card -- Chase unresponsive

Is a crazy ex a possibility? Was your account on some retailer website compromised? Perhaps a prank from some jerk at the office? You are under no obligation to return items that are delivered to your home that you didn't order. I would have listed them on Facebook marketplace. It's a fee I collect ...
by whodidntante
Thu Dec 06, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 172
Views: 12264

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

I evaluated investing in Treasury futures directly, since I don't really need a fund to do that for me. My conclusion is that buying Treasury futures provide most of the interest rate risk with only a small yield, with the yield curve as flat as it is right now. I don't think this fund should be own...
by whodidntante
Thu Dec 06, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Solid my entire portfolio 12/3/18
Replies: 49
Views: 8423

Re: Solid my entire portfolio 12/3/18

We are simple folk. Try another forum for predictions. /r/investing has shown to be right almost half the time.
by whodidntante
Thu Dec 06, 2018 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard advisor suggesting 90/10
Replies: 41
Views: 3064

Re: Vanguard advisor suggesting 90/10

90/10 is reasonable if you have the temperament for it.
by whodidntante
Wed Dec 05, 2018 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: I’m getting frustrated FTIHX
Replies: 19
Views: 2315

Re: I’m getting frustrated FTIHX

You're supposed to say^H^H^Hthink that you don't care it went down, and that you are excited to buy more.
by whodidntante
Wed Dec 05, 2018 7:48 pm
Forum: Investing - Theory, News & General
Topic: Which Bond ETF: TBM, TBM-exUS, or TWBM?
Replies: 4
Views: 346

Re: Which Bond ETF: TBM, TBM-exUS, or TWBM?

I would buy the ex USA bonds when the yield is higher than the USA bonds.
by whodidntante
Wed Dec 05, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: Why buying homes with mortgages is good but buying stocks on margin is bad
Replies: 36
Views: 2889

Re: Why buying homes with mortgages is good but buying stocks on margin is bad

I think a lot of rational, well informed people avoid prepaying their mortgage. If you use that free cash flow to buy equity index ETFs instead of buying luxury cars and vacations, you are effectively putting borrowed money in the stock market. It increases your risk and your expected returns, unles...
by whodidntante
Tue Dec 04, 2018 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Mutual Funds for emergency funds
Replies: 8
Views: 867

Re: TIPS Mutual Funds for emergency funds

Things got a lot easier for me when I stopping thinking in buckets and trying to protect this money while risking that money. My tax liability dropped, too. I invest my life savings in my desired asset allocation and implement the portfolio as tax efficiently as I can. No bonds in taxable for me.
by whodidntante
Tue Dec 04, 2018 10:25 pm
Forum: Investing - Theory, News & General
Topic: The overwhelming majority lose in a zero-sum trading game.
Replies: 52
Views: 5176

Re: The overwhelming majority lose in a zero-sum trading game.

I don't think it was mentioned, but another reason why active managers struggle to outperform passive over long periods is because most of them aren't fully invested. They hold more cash than their passive counterparts. Passive ETFs don't typically need much cash at all. Look at the cash ITOT holds...
by whodidntante
Tue Dec 04, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8541
Views: 1670564

Re: U.S. stocks in freefall

Historically, it's outperformed BH by over 1.5% annually and substantially reduced drawdowns as well. However, there are infinite strategies that can be created after the fact that beat BH or any other strategy. How it performs going forward is the real measure, and we'll just have to wait and see....
by whodidntante
Mon Dec 03, 2018 9:55 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Conflicts Of Interest In Banks
Replies: 4
Views: 889

Re: Larry Swedroe: Conflicts Of Interest In Banks

I have a few friends in Europe that I know well enough to discuss money matters. Most of them talk about going to the bank to invest money. Apparently that is really common there.
by whodidntante
Mon Dec 03, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Will we make it saving only in employer plans?
Replies: 58
Views: 4103

Re: Will we make it saving only in employer plans?

I'm a reckless spender compared to a lot of bogleheads. I don't want to trade. I'm not interested in being incredibly wealthy at the expense of certain other things that I value. Life is way too short, and I've lost good friends along the way already. You have a nice income and a manageable situatio...
by whodidntante
Mon Dec 03, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: VMNVX Vanguard Global Min Vol Fund in Taxable
Replies: 10
Views: 674

Re: VMNVX Vanguard Global Min Vol Fund in Taxable

I think the main difference is VTSAX is unlikely to ever pay out a capital gains distribution since it is a share class of the ETF VTI. On the other hand, VMNVX may have to pay out capital gains taxes occasionally. Last year, I don't believe VMNVX had any capital gains so it appeared to have simila...
by whodidntante
Mon Dec 03, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: [Bond returns are currently negative. Why should I buy bonds now?]
Replies: 8
Views: 1274

Re: [Bond returns are currently negative. Why should I buy bonds now?]

If the duration risk bothers you, you can consider holding CDs or Treasury bonds to maturity, or using a stable value fund that is conservatively managed (synthetic GICs are a good sign). Then you will not realize a nominal loss, but you could still experience a loss after inflation. Also, if you ar...
by whodidntante
Mon Dec 03, 2018 8:38 pm
Forum: Investing - Theory, News & General
Topic: Bond Inversion! Real estate prices, and more.
Replies: 25
Views: 2123

Re: Bond Inversion! Real estate prices, and more.

The Fed, ECB, and BoJ have been manipulating bond yields for years. I'm not sure an inversion is meaningful as a market timing signal. I guess the market will have to tell us what we should have done.
by whodidntante
Mon Dec 03, 2018 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: rebalanced to bonds and intl out of US equtiies
Replies: 8
Views: 696

Re: rebalanced to bonds and intl out of US equtiies

Yep. I also recall selling international equities to buy lagging US equities, and posting about it here. Them's the breaks.
by whodidntante
Sun Dec 02, 2018 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5144

Re: Do you get a year end bonus?

srt7 wrote:
Sun Dec 02, 2018 11:37 pm
whodidntante wrote:
Sun Dec 02, 2018 10:43 pm
My bonus is paid in April each year, although in particularly rough years the company has skipped it or greatly reduced it. It's a significant part of my compensation.
It's a significant part of your compensation and yet it was skipped sometimes?
Yep.
by whodidntante
Sun Dec 02, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Target gift cards 10% off today only
Replies: 11
Views: 1488

Re: Target gift cards 10% off today only

Target gift cards up to $300 are 10% off today only. An easy way for Target shoppers to make $30. Only $15 if you regularly use the Red Card with 5% off, but still easy cash. 10% off plus another 2% cash to my Fidelity IRA. A great deal given we spend anywhere from $40-100/weekly at Target. Don't y...
by whodidntante
Sun Dec 02, 2018 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Trying not to use the term timing, but...
Replies: 23
Views: 1844

Re: Trying not to use the term timing, but...

Your asset allocation is not a big problem, but your savings rate might be too low. I would focus on that.
by whodidntante
Sun Dec 02, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5144

Re: Do you get a year end bonus?

My bonus is paid in April each year, although in particularly rough years the company has skipped it or greatly reduced it. It's a significant part of my compensation.
by whodidntante
Sun Dec 02, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Target gift cards 10% off today only
Replies: 11
Views: 1488

Re: Target gift cards 10% off today only

Target gift cards up to $300 are 10% off today only. An easy way for Target shoppers to make $30. Only $15 if you regularly use the Red Card with 5% off, but still easy cash. 10% off plus another 2% cash to my Fidelity IRA. A great deal given we spend anywhere from $40-100/weekly at Target. Don't y...
by whodidntante
Sun Dec 02, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: US->Canada Money Transfer
Replies: 5
Views: 497

Re: US->Canada Money Transfer

I recently had such a need, and after researching the options decided that carrying the Benjamins across the border myself was the best way. Keeping in mind the regulations regarding cash across borders. (In fact I had to report to the CDN side, and they were very efficient and above board about it...
by whodidntante
Sun Dec 02, 2018 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds - what's the consensus for this cycle?
Replies: 11
Views: 2736

Re: I-Bonds - what's the consensus for this cycle?

For those who are pondering rolling old I bonds that have a low fixed rate to the current 0.5% fixed rate, a common lament is that there is a three month penalty if the bond is held for less than five years. However, if you were to redeem tonight, and buy at the end of December, the true penalty wou...
by whodidntante
Sun Dec 02, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Smart Beta / Factor Presentation at Library
Replies: 4
Views: 388

Re: Smart Beta / Factor Presentation at Library

Expect to be one of two people in attendance. LOL
by whodidntante
Sun Dec 02, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 52
Views: 3948

Re: Please Recommend a New Car for Me

Alexa9 wrote:
Sun Dec 02, 2018 11:03 am
RAV4 is bulletproof.
I would enjoy watching the Mythbusters bust this myth. Too bad the show is 86'ed.
by whodidntante
Sun Dec 02, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: VMNVX Vanguard Global Min Vol Fund in Taxable
Replies: 10
Views: 674

Re: VMNVX Vanguard Global Min Vol Fund in Taxable

I think it would be a poor choice. View the distribution history here: https://www.morningstar.com/funds/XNAS/VMNVX/quote.html

There are ETFs that are likely to be more tax efficient, particularly in a period of net redemptions.
by whodidntante
Sun Dec 02, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Where to put "left over" money
Replies: 18
Views: 1814

Re: Where to put "left over" money

I buy equity index ETFs in taxable once tax advantaged is fully maxed. Before doing that, see if you can can contribute after-tax to your 401k and either do an in-service rollover or do an in-plan conversion to Roth.
by whodidntante
Sun Dec 02, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: What is the lowest 'safe' emergency fund we should have?
Replies: 40
Views: 3844

Re: What is the lowest 'safe' emergency fund we should have?

If you're planning on using debt to meet spending after a 60% stock drop, I suggest you pull the funds before you need them. You might find your sterling credit history is meaningless because banks are derisking, and also that your house/car/collateral isn't worth what you thought it was. Some broke...
by whodidntante
Sun Dec 02, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: Penfed raises certificate rates 12/1/18
Replies: 25
Views: 3011

Re: Penfed raises certificate rates 12/1/18

https://ycharts.com/indicators/1_year_treasury_rate Actually, it dropped to 2.69 from 2.70 (earlier in the week) Yes, here's an official source: https://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=billrates They can email a daily alert with an updated ...
by whodidntante
Sun Dec 02, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: I-Bonds - what's the consensus for this cycle?
Replies: 11
Views: 2736

Re: I-Bonds - what's the consensus for this cycle?

I've never bought any I-Bonds but was thinking maybe I should, and we're at the point where one would buy (the end of the month after rate change). I thought I might buy them simply because there's a limit to how much you can buy, and for a little diversification (i.e., inflation protected bonds, s...
by whodidntante
Sat Dec 01, 2018 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Debit Cards
Replies: 8
Views: 828

Re: Fidelity HSA Debit Cards

I would place the debit card you got in a sock drawer, or perhaps a nice shredder. That's what I did with my HSA debit card from my current provider. I didn't ask for it, and it doesn't make sense to use it, IMO. Better options: 1) Defer the tax free withdrawal assuming you don't need the money now....
by whodidntante
Sat Dec 01, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Nullify Sequence of Returns Risk by Borrowing?
Replies: 31
Views: 1933

Re: Nullify Sequence of Returns Risk by Borrowing?

I'm far more comfortable increasing leverage when rates are low and when asset prices are low. Fortunately after a big stock market rout, those conditions tend to exist simultaneously. If you decide you want to use leverage, it's almost certainly cheaper to use equity index futures, and it will have...
by whodidntante
Sat Dec 01, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Basic Bucket Theory
Replies: 40
Views: 3792

Re: Basic Bucket Theory

Congratulations on your upcoming retirement. Invest your portfolio according to your desired asset allocation in a tax efficient way. Then you can spend less time playing with your buckets because there will be only one. Your outcomes will likely be better as well.