Search found 3398 matches

by whodidntante
Sun Jun 17, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: Opinions on taxable municipal bonds?
Replies: 4
Views: 231

Re: Opinions on taxable municipal bonds?

Not sure what you mean by taxable municipal bond. In general, muni's are relatively safe, but not as safe as the federal government who can not only tax, but also print. Specifically, however, all muni's are not necessarily safe. That's why they are variously credit rated. Most Boggleheads will hol...
by whodidntante
Sun Jun 17, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Multifactor vs. Value ETFs?
Replies: 2
Views: 133

Re: Multifactor vs. Value ETFs?

You can go value only if that is your preference. It's not a mistake, but it can be hard (or impossible due to the age of the investor) for some people to hang on when the tracking error is not in their favor for years or decades. Value in particular has been in a slump in this raging but aging bull...
by whodidntante
Sun Jun 17, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: 100% of international developed to small/mid?
Replies: 8
Views: 631

Re: 100% of international developed to small/mid?

Statistically, iShares Edge MSCI Mltfct Intl SmCp ETF (ISCF) is a better diversified than VSS is. Might be worth a look. Splitting the international allocation evenly between emerging market stocks and ISCF or VSS seems smart to me. ISCF hasn't attracted a clear critical mass of assets. It might be...
by whodidntante
Sun Jun 17, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 22
Views: 1459

Re: iPad Pro 12.9": Replacement for Laptop?

I used an Android tablet with a bluetooth chiclet keyboard for 90% of my MBA coursework, falling back to laptop or desktop when that didn't fly. It was passable and highly portable. The tablet is currently sitting disassembled on my desk awaiting a new battery to arrive from Asia, so I temporarily k...
by whodidntante
Sun Jun 17, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Take Advantage of Stable Value Fund?
Replies: 20
Views: 838

Re: Take Advantage of Stable Value Fund?

I keep all my fixed income in my 401k for tax reasons. I use a stable value fund alongside TBM to shorten my duration. I do have a short term bond fund in my 401k, but it's an expensive actively managed fund with lower credit quality.
by whodidntante
Sun Jun 17, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 22
Views: 1738

Re: Do you cancel old credit cards?

I do not cancel cards unless I plan to churn the bonus. Even then, I'll product change to another card if that is a valid option. I'll spend a token amount on them now and then and allow a bill to be generated, so I don't trip their dormant account detection. I monitor all my cards for fraud. I have...
by whodidntante
Sun Jun 17, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Italy Trip Questions
Replies: 17
Views: 619

Re: Italy Trip Questions

I would personally find 10 days to be rushed for three cities, but it depends on what you want to see exactly. If you just care about hitting a few highlights and not much time spent relaxing, it's certainly enough time. I also suggest visiting Pompei and Mt. Vesuvius, if that interests you. I also ...
by whodidntante
Sat Jun 16, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: How much tilt is enough to make a difference?
Replies: 26
Views: 1426

Re: How much tilt is enough to make a difference?

Some value funds provide more exposure than others, so you will need a smaller position to significantly capture the value premium if you pick one of the more targeted ones. With value in particular, you also want to avoid negative momentum or better yet have a positive loading on momentum since the...
by whodidntante
Sat Jun 16, 2018 2:37 am
Forum: Personal Consumer Issues
Topic: completely free background check website
Replies: 7
Views: 1399

Re: completely free background check website

My father who used to own apartments told me he would call the police and ask. They would tell him about any arrests or convictions.
by whodidntante
Sat Jun 16, 2018 2:32 am
Forum: Personal Consumer Issues
Topic: Private Sale test drive
Replies: 13
Views: 1156

Re: Private Sale test drive

Let them drive it. Let them drive it alone if you have insurance, but it might not matter. I'm not sure I would put up much of a fight if someone wants to carjack my hooptie.
by whodidntante
Fri Jun 15, 2018 6:05 am
Forum: Investing - Theory, News & General
Topic: Schwab's Securities Lending Fully Paid (SLFP) program
Replies: 15
Views: 932

Re: Schwab's Securities Lending Fully Paid (SLFP) program

chw wrote:
Fri Jun 15, 2018 5:11 am
I would say if you don't fully understand the investment and the risks, do not invest.
The OP came here to ask about the risks.
by whodidntante
Thu Jun 14, 2018 11:44 pm
Forum: Investing - Theory, News & General
Topic: New Capitol One 360 ACH limits
Replies: 10
Views: 3163

Re: New Capitol One 360 ACH limits

Presumably you can pull whatever you want from another bank.
by whodidntante
Thu Jun 14, 2018 11:38 pm
Forum: Investing - Theory, News & General
Topic: PUTW to diversify sequence of returns
Replies: 13
Views: 748

Re: PUTW to diversify sequence of returns

This fund keeps a lot of cash around to avoid ruin of the fund. You could have risk control without the cash drag. It is probably more efficient to write naked puts yourself backed by margin, assuming you have plenty of liquidity. I don't think your broker will even allow that without plenty of liqu...
by whodidntante
Thu Jun 14, 2018 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap. DFSVX. and DFSCX. (DFA Company)
Replies: 4
Views: 402

Re: Small Cap. DFSVX. and DFSCX. (DFA Company)

You can get access to DFA with different fee structures if you shop around. I have seen access for a flat fee of $1,000 per year, which is not terrible for a large portfolio. You will also generally have to pay $10-$50 fee to the broker for each purchase transaction, though sometimes selling is free...
by whodidntante
Thu Jun 14, 2018 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone buying Individual Short Term Treasuries?
Replies: 19
Views: 1256

Re: Anyone buying Individual Short Term Treasuries?

Short term treasuries are pretty attractive right now. Though if state taxes are not an issue and you can stand commercial paper credit risk, ICSH will pay more. The SEC yield is 2.42% and the term risk is very low.
by whodidntante
Thu Jun 14, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 101
Views: 7604

Re: I was rear ended and the other guy wants a payout!

I drive a performance car with much shorter stopping distance than average. Are you required to keep a longer following distance if you follow me? What if I have winter tires in the winter and you are plodding along in your "good enough" all seasons? Or am I required to stop as slowly as your car c...
by whodidntante
Thu Jun 14, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 101
Views: 7604

Re: I was rear ended and the other guy wants a payout!

I drive a performance car with much shorter stopping distance than average. Are you required to keep a longer following distance if you follow me? What if I have winter tires in the winter and you are plodding along in your "good enough" all seasons? Or am I required to stop as slowly as your car ca...
by whodidntante
Wed Jun 13, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: Car Repair and Warranty
Replies: 11
Views: 758

Re: Car Repair and Warranty

Converters have a heat shield. It's not really to protect the converter, it's to protect things that might come in contact with it, brush and whatnot. Sometimes it comes detached from a strike, or there is a stress fracture from hot/cold cycles and it will rattle. A strike will usually be obvious be...
by whodidntante
Wed Jun 13, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Learning how to fix/repair things
Replies: 28
Views: 1966

Re: Learning how to fix/repair things

Don't get so hung up on analyzing it that you forget to start. Even if you plan reasonably well, you might still need to go to the hardware store once or twice more to deal with the unexpected. It's not like you replace sinks for a living.
by whodidntante
Wed Jun 13, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Preferred Services?
Replies: 19
Views: 1577

Re: Fidelity Preferred Services?

As a Fidelity Preferred Services client, you can call customer service and ask what it means.
by whodidntante
Wed Jun 13, 2018 6:13 pm
Forum: Investing - Theory, News & General
Topic: Buy LEAPS vs stocks
Replies: 7
Views: 745

Re: Buy LEAPS vs stocks

Unless you are doing one of the things options are good for, just buy the stock.
by whodidntante
Wed Jun 13, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2272

Re: best way to receive large sum of money from another country

Transferwise is quite cheap, but it would be worth looking harder for a large transfer like yours. Another downside is that Transferwise is slow. I think you will find Interactive Brokers to be best.
by whodidntante
Tue Jun 12, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Shifting money for house from stock funds
Replies: 12
Views: 870

Re: Shifting money for house from stock funds

I wouldn't sell any of it. Stay invested because you don't have a specific plan. With rates where the are a larger mortgage isn't a bad idea either.
by whodidntante
Tue Jun 12, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: E*Trade IPOs
Replies: 3
Views: 226

Re: E*Trade IPOs

The best offerings tend to be limited to the juiciest clients. Call them up and sound juicy.
by whodidntante
Tue Jun 12, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Should I fix the car or get rid of it?
Replies: 20
Views: 1606

Re: Should I fix the car or get rid of it?

When I owned hoopties I did the repairs myself. $2,500 is too much for a head gasket, unless you drove it long enough to cause extensive damage.
by whodidntante
Tue Jun 12, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: The Deep History of Stock & Bond Returns
Replies: 75
Views: 4793

Re: The Deep History of Stock & Bond Returns

Also, I suspect there is some survivor-ship bias in here. If your portfolio was in German, Russian, Chinese, and Japanese stocks in the last 30's you would have had zero left. Absolutely there is survivorship bias — we only have data from those major markets that endured over the centuries. But the...
by whodidntante
Mon Jun 11, 2018 4:29 pm
Forum: Investing - Theory, News & General
Topic: WSJ-- Next Stop for Mutual-Fund Fees: Zero
Replies: 40
Views: 4080

Re: WSJ-- Next Stop for Mutual-Fund Fees: Zero

Why are there Bogleheads here saying they don't mind it not being 0? :shock: If the difference between what it is now and zero is "miniscule" or "noise," then why not just have it be zero? Vanguard is pure and trustworthy and we own them, and they charge something. It is therefore fit and proper to...
by whodidntante
Mon Jun 11, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Very Basic 401k question
Replies: 7
Views: 505

Re: Very Basic 401k question

Probably the the best thing to do is roll the whole thing over when you leave the job. Stable value funds are OK, but most of us don't have access to the best ones. You can probably get competitive rates to your stable value fund on the open market. At least I can.
by whodidntante
Sun Jun 10, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: Why large cap if small cap is better?
Replies: 20
Views: 1492

Re: Why large cap if small cap is better?

It is valid to do that, but some people feel the need to compare against large cap stocks as a measure of how investments are performing. Do you really have the conviction to buy nothing but small cap stocks if small cap underperforms large cap for 15 years? 20? You get the picture.
by whodidntante
Sun Jun 10, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: Will VTI certainly outperform VOO in the long run?
Replies: 7
Views: 440

Re: Will VTI certainly outperform VOO in the long run?

vu8 wrote:
Sun Jun 10, 2018 1:31 pm
Is VTI guaranteed to outperform VOO because of the presence of smaller cap stocks?
No.
by whodidntante
Sun Jun 10, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Are insurance rates non-negotiable/fixed?
Replies: 13
Views: 529

Re: Are insurance rates non-negotiable/fixed?

I've tried negotiating rates. It became a discussion about making sure that I have all applicable discounts applied. I sent him a copy of my diploma and received a scientist discount, lol. I also dropped some of the unnecessary coverages in their standard package.
by whodidntante
Sat Jun 09, 2018 9:36 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 141
Views: 20096

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

Why buy bonds when CD's are beating or at least very near bnd returns? I just can not understand why locking in such a low yield is a good idea? If interested rates go up you lose even more. How is a brokered CD any different than buying a Treasury bill or note except for the fact that a Treasury i...
by whodidntante
Sat Jun 09, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Best place for automated regular Treasury note / bill investment
Replies: 5
Views: 408

Re: Best place for automated regular Treasury note / bill investment

Automated investments in a short term treasury bond fund, periodically dumped into a treasury note. Semi automated.
by whodidntante
Sat Jun 09, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: High expense ratios in Vanguard 401k
Replies: 16
Views: 1403

Re: High expense ratios in Vanguard 401k

An advisor, possibly assisted by a committee of clueless internal people, selected your investments. You can have a bad 401k at Vanguard, and a great one at Empower Retirement. Or vice versa.
by whodidntante
Sat Jun 09, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 141
Views: 20096

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

Dave Ramsey also says no to bonds, because he is a critical thinker who looks at actual data, and bonds are volatile, or something like that.
by whodidntante
Sat Jun 09, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13183

Re: Best Advice You Never Took

Teague wrote:
Sun Jun 03, 2018 1:22 pm
Never get old.

-Advice given by my grandfather.
The alternative is awful.
by whodidntante
Fri Jun 08, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 9900

Re: Why do we work?

Did I stumble into MMM?

"Advertising has us chasing cars and clothes, working jobs we hate so we can buy [censored] we don’t need."
by whodidntante
Fri Jun 08, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Anyone else cheap like me and have to put new $s into the asset class that's down the most?
Replies: 23
Views: 2599

Re: Anyone else cheap like me and have to put new $s into the asset class that's down the most?

You might enjoy reading The New Market Wizards. Lots of traders have developed systems they believe deliver an edge over market returns, or significant market neutral returns.
by whodidntante
Fri Jun 08, 2018 7:02 am
Forum: Investing - Theory, News & General
Topic: Marcus/Goldman Sachs Bank Credit Report Auth ?
Replies: 4
Views: 360

Re: Marcus/Goldman Sachs Bank Credit Report Auth ?

It sounds like you had already decided to pull your money out but for some reason did not close the account, it being referred to as an old account and all. I don't understand why a soft pull would be the last straw, or even a straw at all; just close the account that you don't want.
by whodidntante
Thu Jun 07, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Paper tax return filed at deadline - still no refund 7 weeks later
Replies: 12
Views: 1032

Re: Paper tax return filed at deadline - still no refund 7 weeks later

It can be worse. My state took four months to issue my refund.
by whodidntante
Thu Jun 07, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: Rising Interest Rate Strategy
Replies: 35
Views: 4002

Re: Rising Interest Rate Strategy

In a rising interest rate environment where's the best place to be? Know that bonds will decrease in value with an increase in interest rate...at least in the short term. What about stocks? A couple months back when they were talking about interest rates going up I was reading in articles that this...
by whodidntante
Wed Jun 06, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: storing backpack in Seattle
Replies: 11
Views: 1286

Re: storing backpack in Seattle

Check the bag at the nearest niceish hotel.
by whodidntante
Wed Jun 06, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: What commuter car provides the best long term financial value?
Replies: 84
Views: 6485

Re: What commuter car provides the best long term financial value?

I don't think a hybrid is significantly more economical for highway miles. They recover energy from stop and go cycles. The prius gets above average highway mileage due to the aerodynamics from the hideous body, the otherwise terrible low rolling resistance tires, and the Atkinson cycle engine. But ...
by whodidntante
Wed Jun 06, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5361

Re: When should you consider removing the collision coverage on a car?

The last time I dropped full coverage when the car became worth less than 15k.
by whodidntante
Tue Jun 05, 2018 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Charles Schwab Fees Brokerage Account
Replies: 7
Views: 682

Re: Charles Schwab Fees Brokerage Account

There is no monthly charge, but they do require you to keep $1k in the brokerage account. They'll eventually complain if you don't, or so I've heard.

Schwab has a good selection of commission free ETFs, so you really shouldn't be paying for trades.
by whodidntante
Tue Jun 05, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5128

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

The solution: Run the heater for about 15 minutes. I mean set the system to heat and the temp to as high as it will go. This melts the ice on the coils and blows them dry. If you can see where condensed water is pumped from the duct area, you'll see water being pumped out. Depending on how your uni...
by whodidntante
Tue Jun 05, 2018 8:49 pm
Forum: Investing - Theory, News & General
Topic: in idea with SCV and leverage..
Replies: 23
Views: 1732

Re: in idea with SCV and leverage..

People mock this idea and then they go and pay their mortgage payment and car payment as they are investing in their 401k/Roth IRA/taxable accounts. From a balance sheet perspective it is the same thing. The main difference are the specific details of the loan (fixed rate, noncallable, etc). So alo...
by whodidntante
Tue Jun 05, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Pending Layoff / Can I retire?
Replies: 31
Views: 4456

Re: Pending Layoff / Can I retire?

If you have a net worth of 4.9 million, and you're told you cannot retire, you might be a Bogleneck. :happy
by whodidntante
Tue Jun 05, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Down Payment Help
Replies: 16
Views: 1515

Re: Mortgage Down Payment Help

As long as you are at 80% LTV, I don't think the lender should care how much you put down. You can try another lender, maybe a credit union that holds their own notes would be more flexible.