Search found 2798 matches

by whodidntante
Sat Feb 24, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS vs Bonds again!
Replies: 8
Views: 798

Re: TIPS vs Bonds again!

TIPS didn't do very well in 2008. Sure, if you hold them to term, you come out OK.
by whodidntante
Sat Feb 24, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to invest annual bonus?
Replies: 4
Views: 265

Re: How to invest annual bonus?

I get a large annual bonus. Even on months where I don't get a bonus, I am usually cash flow positive. I just have unusually large positive cash flow the same month I get the bonus. After I've paid my mortgage, credit card bills, loan shark, electricity, water, insurance, and hamburgers, I invest th...
by whodidntante
Sat Feb 24, 2018 1:09 pm
Forum: Investing - Theory, News & General
Topic: Buffett's Shareholder Letter [2017]
Replies: 31
Views: 1483

Re: Buffett's Shareholder Letter [2017]

Perhaps it's a naive question, but why can't he put the extra cash into an index fund while he's waiting to put it to use? For the same reason that multinational corporations hedge currency. Predictability is more important than maximizing performance. Also, Buffett gets opportunities that you don'...
by whodidntante
Sat Feb 24, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Ethics of selling a used car
Replies: 34
Views: 1284

Re: Ethics of selling a used car

If a car has a problem that I know about, I'll say so. The price I am willing to take will be adjusted accordingly, if it's a significant issue. It's useful to have a record that you disclosed a significant issue.
by whodidntante
Sat Feb 24, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and invest in this market?
Replies: 38
Views: 2649

Re: Should I bite the bullet and invest in this market?

Boglehead style investing requires a kind of intractable stubbornness. Statements you'll hear: invest you must, can't time the market, time in the market not market timing, etc. But your past behavior says you aren't really cut out for that. Maybe you want to be, and you can be. I don't know. But it...
by whodidntante
Sat Feb 24, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Company changes 401k...again.
Replies: 5
Views: 322

Re: Company changes 401k...again.

You'll get better responses if you improve the formulation of your questions. See here.

viewtopic.php?f=1&t=6212
by whodidntante
Sat Feb 24, 2018 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage or Home Equity loan to pay off balloon loan?
Replies: 15
Views: 511

Re: Mortgage or Home Equity loan to pay off balloon loan?

Do they actually want to pay it off? This may be a situation where a reverse mortgage/reverse mortgage line of credit would be applicable.
by whodidntante
Sat Feb 24, 2018 12:24 am
Forum: Investing - Help with Personal Investments
Topic: Sell in Taxable, Buy in Tax-Advantaged
Replies: 7
Views: 666

Re: Sell in Taxable, Buy in Tax-Advantaged

I wish I'd known that before I started buying them, although VSIAX (US Small Cap Value) is still pretty tax efficient. Small cap funds can be very tax efficient due to the typically lower dividends. The main issue with the Vanguard fund is the REITs it holds that throw off non-qualified dividends. ...
by whodidntante
Sat Feb 24, 2018 12:03 am
Forum: Personal Consumer Issues
Topic: Value of an Elite MBA
Replies: 14
Views: 1407

Re: Value of an Elite MBA

My employer paid for a part-time MBA. It was a ton of work but I enjoyed the subject matter and the connections I made. If I were going to shell out 100k+ of my own money, I would have a specific career path in mind. And I would go to the school that is known for that. You are partly getting an excl...
by whodidntante
Fri Feb 23, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Guaranteed 2% return?
Replies: 34
Views: 2577

Re: Guaranteed 2% return?

Here's what I would do. Take the winnings and treat it as positive cash flow. Do whatever you normally do with positive cash flow. Spend it on hamburgers or invest it for the long term. Continue making minimum payments on the 2% loan. Continue earning money for five years and allocating your positiv...
by whodidntante
Thu Feb 22, 2018 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: DFA prospectus question
Replies: 2
Views: 220

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: 20
Views: 1478

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: 952

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: 20
Views: 2914

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: 2478

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: 1611

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: 9
Views: 1455

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: 27
Views: 1860

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: 2121

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: 3237

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: 45
Views: 2413

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: 53
Views: 5355

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: 30
Views: 2814

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: 15850

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: 53
Views: 5355

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: 329

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: 4005

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: 620

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: 22
Views: 1966

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: 2460

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: 995

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: 995

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: 733

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: 678

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: 3941

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: 1382

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: 790

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: 3941

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: 535

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: 535

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: 741

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: 585

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: 684

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: 6757

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: 6757

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...