Search found 2194 matches

by whodidntante
Thu Nov 23, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Returns - How Long Do you Keep?
Replies: 52
Views: 3600

Re: Tax Returns - How Long Do you Keep?

I don't see a reason to destroy my tax return documents. I don't need space that badly.
by whodidntante
Thu Nov 23, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to negotiate a layoff?
Replies: 21
Views: 1679

Re: Is it possible to negotiate a layoff?

By the time the worker bees become aware of layoffs, the list has already been made.
by whodidntante
Wed Nov 22, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds v. Mortgage Payoff
Replies: 19
Views: 1580

Re: Bonds v. Mortgage Payoff

If you want to pay off your mortgage why wouldn't you drawdown your stocks and bonds proportionally so you maintain your desired asset allocation? It seems to me that you are adding risk.
by whodidntante
Wed Nov 22, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Managing Risk With Factors
Replies: 91
Views: 5493

Re: Larry Swedroe: Managing Risk With Factors

It is a mistake to go down to Edward Jones and pay an advisor fee, only to get placed into high cost actively managed funds that essentially expose you to beta. The three fund beta portfolio implemented without an advisor is far superior to that. It is a mistake to assume that factor investing does ...
by whodidntante
Wed Nov 22, 2017 1:55 am
Forum: Investing - Help with Personal Investments
Topic: GE - a good value?
Replies: 44
Views: 2898

Re: GE - a good value?

Kind of a funny story. I listened to an interview with GE's CEO. He said he was not aware that a spare jet was following him on his trips because he is a 100 hour a week guy and was too focused on his work. Immediately after, he was talking about the business, and he said you have to be aware of you...
by whodidntante
Wed Nov 22, 2017 1:46 am
Forum: Investing - Help with Personal Investments
Topic: GE - a good value?
Replies: 44
Views: 2898

Re: GE - a good value?

The good: I don't really care about the second jet; that was the symptom not the underlying cause. Stock analysts now hate it (ok this is the contrarian in me). Not long ago the chorus said to buy this gem of stock. They are a leader in aviation. Some of their efforts in software and AI appear promi...
by whodidntante
Wed Nov 22, 2017 1:26 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 58
Views: 3290

Re: Best Basic DESKTOP?

I like the idea of getting an Apple because I won't have to worry so much about viruses but it sort of scares me that their mice are now only wireless and they no longer are putting 'disk drivers' in their desktops as standard. I recommend my old 486 DX4/100. It has two floppy drives and a wired mo...
by whodidntante
Wed Nov 22, 2017 1:20 am
Forum: Personal Finance (Not Investing)
Topic: HELOC to Maximize Retirement Contribution
Replies: 28
Views: 1964

Re: HELOC to Maximize Retirement Contribution

I think it's fine so long as you have significant taxable assets to ride through a lengthy loss of income, if that's a possibility you need to prepare for.
by whodidntante
Sun Nov 19, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: service life of (walk behind) lawn mower?
Replies: 34
Views: 2059

Re: service life of (walk behind) lawn mower?

I've never owned a walk behind because of durability concerns, and honestly I do not find that I need the assist of a walk behind. My first mower lasted for 15 years before a cracked deck spelled the end. It saw a rough life because I used it for commercial mowing for four years, mowing overgrown el...
by whodidntante
Sun Nov 19, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: service life of (walk behind) lawn mower?
Replies: 34
Views: 2059

Re: service life of (walk behind) lawn mower?

I surmise from this thread and others like it that the secret to lawn mower longetivity is to never change the oil. I bought a Honda HRX (great mower) this spring and have already changed the oil once or twice. This doesn’t bode well for me. I would follow the manufacturer's recommendation, no more...
by whodidntante
Sun Nov 19, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 2477

Re: Are expensive tires worth it?

I prefer Goodyear tires but my younger formerly broke self did just fine with a set of kumhos.
by whodidntante
Sun Nov 19, 2017 7:36 pm
Forum: Investing - Theory, News & General
Topic: AI/Machine Learning/Deep Learning in Investing
Replies: 8
Views: 967

Re: AI/Machine Learning/Deep Learning in Investing

Deep learning tools have improved dramatically. Some of these are free and are available to you. So you can begin working with those. However, models (at least the good, profitable or business critical ones) are kept as closely guarded secrets. I just attended a machine learning conference and no on...
by whodidntante
Sun Nov 19, 2017 1:49 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 69
Views: 4512

Re: My dad's army jacket

I wouldn't find it disrespectful because you are not intending or doing any harm. I don't think I can predict the reactions of others any better than you can.
by whodidntante
Sat Nov 18, 2017 3:21 pm
Forum: Investing - Theory, News & General
Topic: Morningstar - AQR: The Vanguard of Alternative Investing?
Replies: 58
Views: 4632

Re: Morningstar - AQR: The Vanguard of Alternative Investing?

I hold two AQR funds and I'm surprised at how well they are performing in this "melt-up" environment. As you pointed out, that's not really the environment where you expect to be glad you own them. It's a subtle sign, i think, that the aqr funds actually do have more stock market beta exposure than...
by whodidntante
Sat Nov 18, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: Any of you trade just a little as a hobby?
Replies: 13
Views: 721

Re: Any of you trade just a little as a hobby?

I do tactical allocation but in the form of tilts, not sell everything to buy the other things. For example I started over weighting EM value after the Chinese market was cut in half in 2015/2016. I'm still maintaining my overweight but I have needed to trim it as it outperformed the rest of my port...
by whodidntante
Sat Nov 18, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Intrinsic Value
Replies: 6
Views: 661

Re: Intrinsic Value

Can a stock picker subscribe to the EMH?
by whodidntante
Sat Nov 18, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 155
Views: 12465

Re: Is holding bonds now dangerous?

Of course it's risky. You could realistically lose 10% holding TBM, or 50% holding TSM. Both events are unlikely to occur in a given year, but it's realistic. Avoid holding EM bonds, junk bonds, individual bonds (other than treasury/TIPS, etc.), long bonds, and bond funds that use derivatives, lever...
by whodidntante
Sat Nov 18, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: Morningstar - AQR: The Vanguard of Alternative Investing?
Replies: 58
Views: 4632

Re: Morningstar - AQR: The Vanguard of Alternative Investing?

jhfenton wrote:
Sat Nov 18, 2017 11:35 am
Theoretical wrote:
Sat Nov 18, 2017 10:01 am
At Fidelity, many of them are available for a $2500 minimum in an IRA.
Thanks. That is good to know.
AQR funds are also available in an HSA commission-free, though they are n-shares (0.25% 12b-1).
viewtopic.php?t=232381
by whodidntante
Sat Nov 18, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: Morningstar - AQR: The Vanguard of Alternative Investing?
Replies: 58
Views: 4632

Re: Morningstar - AQR: The Vanguard of Alternative Investing?

I hold two AQR funds and I'm surprised at how well they are performing in this "melt-up" environment. As you pointed out, that's not really the environment where you expect to be glad you own them.
by whodidntante
Sat Nov 18, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Volunteer to be laid off?
Replies: 34
Views: 2653

Re: Volunteer to be laid off?

To me, your proposal seems to be a win-win. Though management may feel that you are key to the transition and may not go for it.
by whodidntante
Fri Nov 17, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Is it a bad idea to invest several times a month?
Replies: 13
Views: 1230

Re: Is it a bad idea to invest several times a month?

It's not harmful. Brokers keep good track these days. For ETFs with a low share price I tend to wait until I have enough to buy a round lot, which might be 3 grand or less.
by whodidntante
Thu Nov 16, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: HR messed up my HSA election
Replies: 7
Views: 576

Re: HR messed up my HSA election

Thanks. I teach in Ohio where we do not pay in for SS. If I understand you correctly, then I could contribute most everything post tax in 2018 and put the pre-tax money toward my 403b? The other twist is that I may be relocating next summer so I am considering trying to max everything I can by the ...
by whodidntante
Thu Nov 16, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: HR messed up my HSA election
Replies: 7
Views: 576

Re: HR messed up my HSA election

You can make an HSA contribution by an electronic transfer (or a check if want to be anachronistic) for the the remaining amount. There is no requirement that your HSA contribution come from payroll deduction. The disadvantage is that social security tax will have been withheld because you made the ...
by whodidntante
Wed Nov 15, 2017 11:37 pm
Forum: Investing - Theory, News & General
Topic: Car loans vs. Home loans - Are markets efficient?
Replies: 12
Views: 1052

Re: Car loans vs. Home loans - Are markets efficient?

There are other forces at play. An automaker or dealer may subsidize financing in order to juice sales. A bank or credit union may offer a below market rate in order to win or retain customers. Companies that do auto loans may offer many more financial products, and may adopt a loss-leader strategy.
by whodidntante
Wed Nov 15, 2017 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint Escalation [at Vanguard - how to?]
Replies: 6
Views: 1081

Re: Complaint Escalation [at Vanguard - how to?]

Have you tried telling your Flagship rep that your issue isn't solved and you would like to escalate the issue higher ASAP/today? Failing that, a transfer in kind to another broker might be a reasonable step and is probably what I would do, if the issue is really important.
by whodidntante
Wed Nov 15, 2017 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Does emplyer matching in an IRA count toward 5,500 cap
Replies: 4
Views: 655

Re: Does emplyer matching in an IRA count toward 5,500 cap

I don't think it does. But I've never had one, so you should mainly consider this a bump.
by whodidntante
Wed Nov 15, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: Do you subscribe to taking risk only on the equity side
Replies: 40
Views: 2320

Re: Do you subscribe to taking risk only on the equity side

My bonds are pretty unexciting. I've steered clear of the EM bonds, and long bonds that the tactical allocators say to buy right now. And I've never properly understood the fancier bond funds; probably because they don't tell me what they are actually doing to juice the returns. I do have non-beta s...
by whodidntante
Wed Nov 15, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 24
Views: 2807

Re: Chain of command

It's not necessarily anything sinister. Some people don't respect chain of command. There are countries where this is part of the culture, and it's finding it's way to American culture too. I'm assuming you are American. I would talk to the CFO and explain that this bothered you, and why. Have a con...
by whodidntante
Wed Nov 15, 2017 8:30 pm
Forum: Investing - Theory, News & General
Topic: Saturna=the only no-fee HSA investing option
Replies: 4
Views: 646

Re: Saturna=the only no-fee HSA investing option

I agree it is a good option for smaller accounts, which most HSA accounts are outside of bogleheads.org. I'm interested for a different reason. They list AQR Style Premia. That fund is closed though still available through limited channels. Can you actually buy it at Saturna, or does it puke when yo...
by whodidntante
Wed Nov 15, 2017 8:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: BH recent Membership [BogleHead]
Replies: 17
Views: 1554

Re: BH recent Membership

I like to talk about investing. I realize that most people don't, so I'll test the waters with new acquaintances. I still meet a lot of people who take a gambling approach to the market and will even use gambling terminology when talking about how the invest. I have no qualms about gambling, but I h...
by whodidntante
Wed Nov 15, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: Do DFA advisors get kickbacks?
Replies: 11
Views: 1612

Re: Do DFA advisors get kickbacks?

DFA, like VG, does not engage in revenue sharing (at least not with advisors... I suppose they could in a 401k environment, but don't know that answer.) My corporate 401k has a DFA fund and I know that DFA doesn't do revenue sharing with my plan. I've never heard of any revenue sharing from DFA. It...
by whodidntante
Wed Nov 15, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: Beta and the Market
Replies: 9
Views: 540

Re: Beta and the Market

Beta is in reference to an appropriate benchmark. If you're looking at a large cap US stock funds, an appropriate benchmark might be S&P 500 Total Return.
by whodidntante
Wed Nov 15, 2017 1:11 am
Forum: Personal Consumer Issues
Topic: Keep old cards active by paying yourself?
Replies: 20
Views: 2277

Re: Keep old cards active by paying yourself?

You could auto-pay one bill on it. Paying yourself is normally considered a cash advance.
by whodidntante
Wed Nov 15, 2017 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Loans Refi experience?
Replies: 4
Views: 365

Re: Quicken Loans Refi experience?

I am considering doing a mortgage refinance to consolidate my mortgage and my HELOC. The fixed rate would very similar to what I have now. Does anyone have experience, good or bad, working with Quicken Loans? Thank you in advance. I wouldn't refi for that. Having a HELOC at a different lender is no...
by whodidntante
Wed Nov 15, 2017 12:28 am
Forum: Personal Consumer Issues
Topic: Wall Street Journal - What Gives?
Replies: 7
Views: 1633

Re: Wall Street Journal - What Gives?

There are better deals for new subscribers. The trick is to become a new subscriber. Perhaps your daughter needs a subscription. They may also give you a better offer when you call to cancel. When asked why, explain that cost is the main issue. If they don't give you a good deal, actually cancel.
by whodidntante
Tue Nov 14, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 3628

Re: Michelin or Bridgestone?

Michelin's business model is to provide low-cost tires to OEMs, and then to make money on selling premium priced replacement tires in the secondary market. They do this because they know the most common decision is status quo, when there are safety and performance issues at play. They even had that ...
by whodidntante
Tue Nov 14, 2017 11:08 pm
Forum: Investing - Theory, News & General
Topic: Quest for better fund selection in 401 K
Replies: 18
Views: 1210

Re: Quest for better fund selection in 401 K

Please share how you went from a once terrible 401 K to a three fund portfolio and and got your DFA small value fund as well. I can tell you what I did. I have only fought this battle for 3 years and maybe a few months. I have worked for the company for much longer. It's a large-ish company; big en...
by whodidntante
Tue Nov 14, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Pay down a 3.25% 15-year mortgage?
Replies: 25
Views: 3884

Re: Pay down a 3.25% 15-year mortgage?

That "investment" property sounds awful. I would put it on the market today.
by whodidntante
Mon Nov 13, 2017 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 14750

Re: Why pay cash for a car?

I had the money and still took a loan.
by whodidntante
Mon Nov 13, 2017 10:56 pm
Forum: Investing - Theory, News & General
Topic: "A Case Against Over Weighting International Equity"
Replies: 11
Views: 1436

Re: "A Case Against Over Weighting International Equity"

If you don't like what you read in the financial news, wait a few hours.
by whodidntante
Mon Nov 13, 2017 9:33 pm
Forum: Investing - Theory, News & General
Topic: Quest for better fund selection in 401 K
Replies: 18
Views: 1210

Re: Quest for better fund selection in 401 K

I cannot recommend being the squeaky wheel, but it has always worked so well for me. My once terrible 401k has been significantly improved twice, and now I actually have a low cost way to implement a three fund portfolio, and a DFA small value fund as well. It's not the 401k I would design if you ha...
by whodidntante
Mon Nov 13, 2017 9:09 pm
Forum: Investing - Theory, News & General
Topic: Do DFA advisors get kickbacks?
Replies: 11
Views: 1612

Re: Do DFA advisors get kickbacks?

AFAIK DFA does not engage in revenue sharing (kickbacks).
by whodidntante
Mon Nov 13, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab/Fidelity vs BoA Gold: Checking
Replies: 41
Views: 3059

Re: Schwab/Fidelity vs BoA Gold: Checking

Also, I believe one can do more things online at Fidelity. I can't think of a single thing that has required me to fax or mail in something, and that's important to me. It's why I did not go with BOA and moved from Vanguard and Wells Fargo. I did have to go to a Fidelity branch with dead-tree paper...
by whodidntante
Mon Nov 13, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 642
Views: 104986

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I thought the tier was based on 3-month average of assets, but I read more, and that I see what you mean. Looks like you keep your level for 12 months. I had a much higher balance before transferring out for another bonus this summer. I'll probably be moving some assets back for this latest bonus. ...
by whodidntante
Sun Nov 12, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for 5% return
Replies: 65
Views: 4789

Re: Asset allocation for 5% return

If you need 5% real then I would suggest EM equities and a short term bond fund. About 60/40.
by whodidntante
Sun Nov 12, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: The Personal Black Swan
Replies: 46
Views: 5704

Re: The Personal Black Swan

I think a major medical condition that causes you to lose your income is a more realistic threat to working age people. I have seen people struck down early by stroke, cancer, brain damage, seizures, Parkinson's, mental illness, addiction, and injury.
by whodidntante
Sun Nov 12, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: What Credit Card is good for me?
Replies: 19
Views: 1286

Re: What Credit Card is good for me?

2% is the best you can get on general spend without joining a credit union, paying an annual fee, using limited time offers, or having "status" (usually that means money/investments at the bank). Fidelity Rewards will give you 2%, and occasionally 3% in the form of a spending offer, when redeemed to...
by whodidntante
Sun Nov 12, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: $30K loan for 12 months
Replies: 23
Views: 1470

Re: $30K loan for 12 months

I usually have a credit card offering me a loan at 0%. The fee is from 2%-5%. 3% usually. This is very competitive for an unsecured loan. You mentioned that you did that before. Call and ask if they have any offers. Credit unions usually have promos during Q4. They will do personal loans or credit c...