Search found 4590 matches

by whodidntante
Tue Jan 22, 2019 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use my Roth IRA to pay off CC debt
Replies: 11
Views: 382

Re: Should I use my Roth IRA to pay off CC debt

No, you should not do a Roth withdrawal to pay off your credit cards. What are your expenses? You don't actually have to tell me, but you should know. Which ones can you eliminate or cut in half temporarily? What are your opportunities to make additional money? Pick the best one and do it. It's tax ...
by whodidntante
Tue Jan 22, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 114
Views: 10152

Re: Gas station prices and quality

I sometimes mix in a little e-85 instead of buying premium for my high compression rocketship. This saves me money, bothers the pure gas crowd, and may have other benefits.
by whodidntante
Tue Jan 22, 2019 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: HSA employer->personal account strategy
Replies: 10
Views: 491

Re: HSA employer->personal account strategy

My Optum HSA was Vanguard funds with low expenses and could be invested after the first 1k with no fees. I get fee free investing after 2k. Since I don't plan to spend the money for a couple of decades, leaving 2k uninvested for that amount of time would be a significant "hidden" fee. The Optum off...
by whodidntante
Tue Jan 22, 2019 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: HSA employer->personal account strategy
Replies: 10
Views: 491

Re: HSA employer->personal account strategy

My Optum HSA was Vanguard funds with low expenses and could be invested after the first 1k with no fees. I get fee free investing after 2k. Since I don't plan to spend the money for a couple of decades, leaving 2k uninvested for that amount of time would be a significant "hidden" fee. The Optum off...
by whodidntante
Tue Jan 22, 2019 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand why I need bonds
Replies: 19
Views: 1257

Re: Help me understand why I need bonds

Just sell your bonds and don't tell anybody.
by whodidntante
Tue Jan 22, 2019 7:15 pm
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 23
Views: 3127

Re: New era for TSP "I" Fund?

texasdiver wrote:
Fri Sep 14, 2018 3:49 pm
So has anyone done a back-cast to compare the performance difference between these two different benchmarks over the past 10-20 years?
I never learned that spell.
by whodidntante
Tue Jan 22, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 54
Views: 2126

Re: Recommendation for pickup truck?

Why not buy a hooptie truck? It can't be worse than a ridgeline. :twisted:
by whodidntante
Tue Jan 22, 2019 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 100
Views: 6448

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

Sandtrap wrote:
Tue Jan 22, 2019 9:17 am

4. Litigious Beneficiaries (Hares), Trustees, or both.
One must be vigilant for litigious hares. Although it's usually the litigious tortoise that wins the race.

:happy
by whodidntante
Tue Jan 22, 2019 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: HSA employer->personal account strategy
Replies: 10
Views: 491

Re: HSA employer->personal account strategy

I have to declare a "life event" in the payroll system to change my HSA contribution. It's a similar workflow to a divorce, or a marriage if you prefer. I would try asking payroll, not HR. You can even keep your spouse.
by whodidntante
Tue Jan 22, 2019 10:35 am
Forum: Investing - Help with Personal Investments
Topic: HSA employer->personal account strategy
Replies: 10
Views: 491

Re: HSA employer->personal account strategy

You can do your full year contribution as a payroll deduction from your first paycheck of the year. Then do a fee free indirect rollover.
by whodidntante
Mon Jan 21, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: 1980s Vacuums vs Today
Replies: 22
Views: 2193

Re: 1980s Vacuums vs Today

The last time I went shopping for a vacuum cleaner, I found one that really sucks. The main benefit of modern vacuums is some of them come with expensive disposable filters that some people say they need. I do notice that the room smells less "dusty" after vacuuming with a modern upright. Maybe the ...
by whodidntante
Mon Jan 21, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Credit card debt planning - advice
Replies: 10
Views: 610

Re: Help with Credit card debt planning - advice

The emergency already happened. Pay off the cards. There is no way I would keep cash around when I'm paying double digit interest on the spread. If it's 0%, fine.
by whodidntante
Mon Jan 21, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Federal Workers
Replies: 33
Views: 1509

Re: Federal Workers

Some of them just don't make any money. Imagine being a food service worker and then having your meager earnings pulled out from under you.
by whodidntante
Mon Jan 21, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 71
Views: 3368

Re: Is it ever worth purchasing an extended warranty for a vehicle?

The house wins. Just like a casino. The consumer rarely does, that's what Dave Ramsey and Consumer Reports tell you to never buy one. The good news is if you just bought a new Ford, you don't need to make any decision for a while. If you wait until after your first year, it costs $100 more. And you...
by whodidntante
Mon Jan 21, 2019 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 69
Views: 9843

Re: Fidelity Rewards Visa Card

I did some onetime setup a long while back and the rewards automatically show up in my Fidelity Cash Management Account monthly. I can easily withdraw from there or transfer to any other account. I did the same thing and don’t remember if a reminder was automatically set up or I did that manually t...
by whodidntante
Sun Jan 20, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about Fidelity
Replies: 21
Views: 1675

Re: Questions about Fidelity

I use the Fidelity CMA card strictly as an ATM card. I've used it all over the world. They will indeed shut it off if you don't provide a travel notification. I've never bought anything with it as a debit card. And I wouldn't use that debit card or any other debit card for purchases, because I find ...
by whodidntante
Sun Jan 20, 2019 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation and risk evaluation for family with high equity income every year
Replies: 8
Views: 768

Re: Asset allocation and risk evaluation for family with high equity income every year

Instead of having stocks in your 401k, you probably want to use your pre-tax space for bonds, and hold equity index ETFs in taxable. The reason is the favorable tax treatment of equities. Also, the volatility of equities will sometimes allow you to realize a capital loss and defer even more tax. I w...
by whodidntante
Sun Jan 20, 2019 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 69
Views: 9843

Re: Fidelity Rewards Visa Card

Can someone explain further how to get the 2% rebate out of Fidelity? The specific steps. Right now it goes to my wife's Roth IRA which is only complicating our portfolio management, that's the only reason that account is at Fidelity. Thanks! Can do! 1) Log in to fidelity. Avoid the temptation to g...
by whodidntante
Sun Jan 20, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: Where to buy CR2032 batteries?
Replies: 43
Views: 3061

Re: Where to buy CR2032 batteries?

Best buy has a daily deal on them right now.
by whodidntante
Sun Jan 20, 2019 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: best way to cash a Aussie $ check
Replies: 11
Views: 706

Re: best way to cash a Aussie $ check

They still use checks? A wire transfer is well suited for this transaction.
by whodidntante
Sun Jan 20, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6249

Re: Paying thousands per ticket to attend the NFL Super Bowl?

stevewolfe wrote:
Sun Jan 20, 2019 8:16 pm
If my team was in the game, and I could afford to go, yes, I would absolutely. You live once. I would rather spend the money on an experience of a lifetime than live with the regret of not going if I had the chance.

Steve
/thread
by whodidntante
Sun Jan 20, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?
Replies: 88
Views: 4846

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

Haggar H26 pants are my beater pants. They are a cotton/polyester blend but are lightweight IMO and really comfortable. Also really cheap, so it's no big loss if they get damaged. Available at Target and Macy's. If they have no wrinkles once dry, they are resistant to wrinkles when packed.
by whodidntante
Sun Jan 20, 2019 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Jettison QSPIX?
Replies: 26
Views: 1529

Re: Jettison QSPIX?

Has your investing thesis changed? Have you lost confidence in the strategy and the benefits of holding the fund, and did you understand it in the first place? It doesn't matter if Larry Swedroe understands it, because you're the one who needs the conviction to hold the fund through a period of unde...
by whodidntante
Sun Jan 20, 2019 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: 401k + aftertax 401k -> roth methodology
Replies: 20
Views: 1451

Re: 401k + aftertax 401k -> roth methodology

My summary plan description does not mention HCEs, either. But the plan document goes into a lot of detail about it.
by whodidntante
Sun Jan 20, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: ETF turnover effect on return
Replies: 6
Views: 643

Re: ETF turnover effect on return

sorry for bumping this thread. For international investor, my only way of purchasing broad based index fund is through the ETFs. Does anyone has data on the ETFs performance relative to the index funds? Especially factor in the long term effect of turnover cost of ETFs. thank you =) ETFs don't need...
by whodidntante
Sun Jan 20, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Zero Gravity Chairs
Replies: 8
Views: 1006

Re: Zero Gravity Chairs

Make sure you get one with a harness so you don't float away.
by whodidntante
Sun Jan 20, 2019 9:07 am
Forum: Investing - Theory, News & General
Topic: Currency Hedging in order not to affect currency fluctuations
Replies: 10
Views: 503

Re: Currency Hedging in order not to affect currency fluctuations

You can either buy a fund that hedges to yen, or you can roll your own currency hedging using futures. The first is easier and would be worth paying a somewhat higher ER for. I am not familiar with Japanese funds so I don't know if there is a good option available.
by whodidntante
Sat Jan 19, 2019 9:02 pm
Forum: Investing - Theory, News & General
Topic: Tax-managed LifeStrategy fund
Replies: 7
Views: 1142

Re: Tax-managed LifeStrategy fund

...You can buy this but I don't recommend it. [Vanguard Tax-Managed Balanced Fund] Would you care to elaborate on why you don't recommend this fund? Lower return and credit risk of munis. Reduced control over which asset to sell. Mutual fund structure can generate significant capital gains during a...
by whodidntante
Sat Jan 19, 2019 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: 401k is moving from Betterment to Empower - Selection Advice
Replies: 4
Views: 171

Re: 401k is moving from Betterment to Empower - Selection Advice

The Schwab target date fund has a 0.08% ER and will handle rebalancing automatically for you. The asset allocation is also designed and adjusted as needed by a professional. That would be the simplest solution compared to a four fund portfolio, if as you say, you value simplicity and low costs.
by whodidntante
Sat Jan 19, 2019 3:08 pm
Forum: Investing - Theory, News & General
Topic: Risk Definition By Warren Buffet
Replies: 17
Views: 922

Re: Risk Definition By Warren Buffet

It's a long term view of risk or more cynically a rich person's view of risk. Not everyone can act rationally in the face of a steep drawdown, and not everyone can afford to ignore a steep draw down. For some of us a steep drawdown will be life changing, for example if you become disabled at the age...
by whodidntante
Sat Jan 19, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 108
Views: 5224

Re: What is a Boglehead funeral/burial?

Is there a Ralph's around here?
by whodidntante
Sat Jan 19, 2019 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Any bond gurus?
Replies: 13
Views: 1203

Re: Any bond gurus?

Be sure to add any AUM fee to the expenses. It's a lot of money to pay to a strip mall financial institution.
by whodidntante
Sat Jan 19, 2019 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Any downsides to repeatedly switching between varioud money market funds?
Replies: 7
Views: 606

Re: Any downsides to repeatedly switching between varioud money market funds?

I do around 60 transactions a year in a Fidelity MMF and have suffered no ill effects. Frequent buys and sells. I do not see a reason to frequently switch MMFs, however.
by whodidntante
Sat Jan 19, 2019 11:16 am
Forum: Investing - Theory, News & General
Topic: A look at equal weighting as we bid farewell to EQWS
Replies: 30
Views: 1239

Re: A look at equal weighting as we bid farewell to EQWS

I am not a fan of equal-weighting as a core strategy, mostly because of the implementation challenges (i.e. higher portfolio turnover and the associated costs, especially for smaller and less-liquid stocks). Having said that, the characterization of cap-weighting as "not arbitrary" and equal-weight...
by whodidntante
Sat Jan 19, 2019 11:10 am
Forum: Investing - Help with Personal Investments
Topic: 401k + aftertax 401k -> roth methodology
Replies: 20
Views: 1451

Re: 401k + aftertax 401k -> roth methodology

3) I'm not sure what the threshold is for highly compensated in your terms. I am towards the top but not top 10. HCE is not my term. Search for HCE, and ADP/ACP testing and you will understand what I mean. After-tax contributions are considered separately and a safe harbor plan can still fail ADP/A...
by whodidntante
Sat Jan 19, 2019 11:06 am
Forum: Investing - Theory, News & General
Topic: A look at equal weighting as we bid farewell to EQWS
Replies: 30
Views: 1239

Re: A look at equal weighting as we bid farewell to EQWS

I am not a fan of equal-weighting as a core strategy, mostly because of the implementation challenges (i.e. higher portfolio turnover and the associated costs, especially for smaller and less-liquid stocks). Having said that, the characterization of cap-weighting as "not arbitrary" and equal-weight...
by whodidntante
Sat Jan 19, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 41
Views: 3169

Re: Car reviews - Consumer Reports or other sources?

I've owned mostly used cars that Consumer Reports told me would break on the test drive, taken them to really high mileage and generally pushed them harder than the average driver, and I've barely had to pay anything for repairs. This is at least partly due to my ability to assess the car, and to is...
by whodidntante
Sat Jan 19, 2019 10:08 am
Forum: Investing - Help with Personal Investments
Topic: 401k + aftertax 401k -> roth methodology
Replies: 20
Views: 1451

Re: 401k + aftertax 401k -> roth methodology

If you receive a company match or a non-elective contribution, that will count towards the 2019 415 limit of 56k. If you are a highly compensated employee, your after tax contributions might be restricted or returned to you. It seems like the biggest problem is short term liquidity of taxable broker...
by whodidntante
Sat Jan 19, 2019 1:56 am
Forum: Investing - Theory, News & General
Topic: Tax-managed LifeStrategy fund
Replies: 7
Views: 1142

Re: Tax-managed LifeStrategy fund

Probably not a lot of demand. I know that I wouldn't buy it. I keep only equity index ETFs in taxable. You can buy this but I don't recommend it. https://investor.vanguard.com/mutual-fu ... fees/vtmfx
by whodidntante
Sat Jan 19, 2019 12:38 am
Forum: Investing - Theory, News & General
Topic: What active management stock funds would you own?
Replies: 85
Views: 5639

Re: What active management stock funds would you own?

I like to have a good idea of the style constraints, but I am OK with a low cost active quant fund that targets exposure that I want. I have a lot in taxable accounts and like to move my assets around to different brokers so I strongly prefer ETFs. Some people like Vanguard International Value Fund ...
by whodidntante
Sat Jan 19, 2019 12:22 am
Forum: Investing - Theory, News & General
Topic: What active management stock funds would you own?
Replies: 85
Views: 5639

Re: What active management stock funds would you own?

Here is one I’ve been watching recently: Royce Opportunity. Deep small value, even includes some micro-caps. Has outperformed DFA over past 20+ years. https://www.portfoliovisualizer.com/fund-performance?s=y&symbol=RYPNX&benchmark=DFSVX&endDate=01%2F18%2F2019 If you want to own it, it looks like Fi...
by whodidntante
Fri Jan 18, 2019 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Never thought it would happen to me - life changing injury
Replies: 38
Views: 4804

Re: Never thought it would happen to me - life changing injury

Welcome to the forum. Sorry you have suffered this injury. You have made HUGE progress by deciding to further your investing education. Take your time. Cash is not a fantastic investment, but it doesn't matter if you hold it few a few months while you sort things out. You'll want to assess your risk...
by whodidntante
Fri Jan 18, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: Fidelity muni money market fund yields cratering...?
Replies: 9
Views: 1189

Re: Fidelity muni money market fund yields cratering...?

I don't know, but people were reporting a yield spike on the Schwab muni funds late 2017. I also don't know if this is reliable and exploitable.
by whodidntante
Fri Jan 18, 2019 6:34 pm
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 58
Views: 5762

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

My question is what would you use in a HSA account? I currently have opened a HSA account with Fidelity but don't know which funds to pick, i am weighing between FZROX and FSKAX. I do want to be able to move it to vanguard if they offer HSA accounts down the road. Use whatever you like, but I think...
by whodidntante
Fri Jan 18, 2019 6:30 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 157
Views: 5732

Re: My trend following strategy and experience

I'm rooting for you, although I probably should not. You can outperform by being out of the market during a period of bad performance for me. LOL.
by whodidntante
Fri Jan 18, 2019 1:53 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 145
Views: 6794

Re: 2019 Hedge Fund Contest

There are several companies who can make excellent cars at scale. For now those companies are content to let Tesla lose money serving a niche market. But if electric vehicles ever make economic sense they will have more interest, and then Tesla is going to be crushed by better, cheaper cars from bra...
by whodidntante
Fri Jan 18, 2019 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Just missed a few days of gains rolling over 401K from Fidelity to Vanguard
Replies: 59
Views: 1621

Re: Just missed a few days of gains rolling over 401K from Fidelity to Vanguard

I don't have enough bonds to sell to make a rollover riskless. I guess I could temporarily leverage exposure but if I should do that then I should do it every day.
by whodidntante
Fri Jan 18, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: HSA [How do I organize expenses for future reimbursement?]
Replies: 33
Views: 1971

Re: HSA [How do I organize expenses for future reimbursement?]

Also curious about this. Do you keep an image of the credit card receipt from the provider or the EOB from the insurance company or both? Thanks. The EOB is useless in this context. I keep an image of each bill and a record that I paid the bill, which is usually a PDF of an online payment receipt.
by whodidntante
Thu Jan 17, 2019 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: IRS to lower 2018 safe harbor withholding threshold to 85% [2018 only]
Replies: 22
Views: 2693

Re: IRS waiving under-withholding penalty for more people in 2018

DrGoogle2017 wrote:
Thu Jan 17, 2019 1:51 pm
Darn it, this is the year that I overpaid my tax by a large amount.
Thanks, citizen!