Search found 3407 matches

by whodidntante
Thu Jun 21, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 28
Views: 1191

Re: 3 nights in Vegas

Gambling, preferably not against the house.
by whodidntante
Thu Jun 21, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: Buy new truck before retiring?
Replies: 51
Views: 2285

Re: Buy new truck before retiring?

You would be better off spending the $9500 on a 2nd more fuel efficient vehicle to drive around when not towing. If your main purpose for the truck is towing a RV around, it would be foolish to go from a 3/4 ton to a half ton. I agree, assuming that the OP can use a car/small SUV a lot. Also it mig...
by whodidntante
Wed Jun 20, 2018 7:33 am
Forum: Forum Issues and Administration
Topic: Is there a way to block someone?
Replies: 22
Views: 2796

Re: Is there a way to block someone?

If someone consistently derails threads, blocking them would not prevent that. It would make the discourse more difficult to follow. You might consider PMing the person your concerns, factual, courteous, and to the point. Or the mods if you think the person is trolling. If their posts simply bother ...
by whodidntante
Tue Jun 19, 2018 10:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Fund Yield reached 1.99% today
Replies: 13
Views: 2912

Re: Vanguard Prime Fund Yield reached 1.99% today

ICSH iShares Ultra Short-Term Bond ETF is yielding 2.44%.
by whodidntante
Tue Jun 19, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Is individual Bonds better than Bond Fund?
Replies: 30
Views: 1866

Re: Is individual Bonds better than Bond Fund?

Individual bonds have their place, particularly treasuries which do not have credit risk realistically. That said, Suze Orman might actually be worse than Dave Ramsey, and Dave Ramsey is not a bar you want to limbo under.
by whodidntante
Tue Jun 19, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: Expanded commission-free ETFs at Etrade
Replies: 11
Views: 632

Re: Expanded commission-free ETFs at Etrade

I got the same message. I'm happy to see VFMF on the list.
by whodidntante
Tue Jun 19, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: 0% credit card interest for lawnmower
Replies: 15
Views: 755

Re: 0% credit card interest for lawnmower

Amex cash magnet will pay $300 bonus + 1.5%; of spend on $7500 spend, plus 15 months at 0%. That's what I would do.
by whodidntante
Mon Jun 18, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Shorting Amazon
Replies: 44
Views: 4010

Re: Shorting Amazon

If you sell calls instead, you would get paid to wait, although your downside is theoretically unlimited. Amazon could also be directly shorted instead of messing with derivatives. Since the short interest is only 1%, you should be able to find shares laying around to borrow.
by whodidntante
Sun Jun 17, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: Opinions on taxable municipal bonds?
Replies: 12
Views: 762

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: 220

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: 11
Views: 1054

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: 43
Views: 3290

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: 22
Views: 1300

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: 47
Views: 4085

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: 33
Views: 1827

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: 27
Views: 1822

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: 1454

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: 1203

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: 962

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 Capital One 360 ACH limits
Replies: 47
Views: 7403

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: 774

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: 430

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: 1295

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: 106
Views: 8874

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: 106
Views: 8874

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: 843

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: 29
Views: 2220

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: 1691

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: 774

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: 2334

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: 888

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: 236

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: 1655

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: 4971

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: 4193

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: 511

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: 1524

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: 455

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: 548

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: 20216

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: 412

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: 1420

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: 20216

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: 13442

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: 10043

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: 2623

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: 364

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: 25
Views: 1912

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.