Search found 4030 matches

by whodidntante
Sun Oct 21, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: Protecting large sums of cash.
Replies: 22
Views: 2024

Re: Protecting large sums of cash.

Treasuries held directly are a good option. You can use T-bills or note ladders to manage term risk. You can also use ultrashort ETFs on the short end if you want. https://www.etf.com/GBIL#overview
by whodidntante
Sun Oct 21, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Robo or Self managed?
Replies: 13
Views: 839

Re: Robo or Self managed?

Robo advisers are something like training wheels. You don't need them once you learn a bit. If you want automated execution, you can get that for free at M1 Finance. They also have several portfolios to chose from, or you can design your own. But I still think it's better to place your own trades an...
by whodidntante
Sun Oct 21, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 51
Views: 1487

Re: Why Purchase an Automobile using Premium Gasoline?

High compression engines are more efficient and produce more power for the same displacement. High compression engines are used to improve efficiency in areas where fuel costs are high and where the culture or regulations places a higher importance on efficiency and carbon footprint (not the USA). H...
by whodidntante
Sun Oct 21, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: DFA small value... acitve management?
Replies: 40
Views: 1978

Re: DFA small value... acitve management?

There is value in not blindly following an index, if you trust DFA to follow a quantitative, rules based approach instead of hero stock picking. Since they were the first shop to do factor funds at scale, and they still support research and hire good people with high conviction, I think you can. It'...
by whodidntante
Sun Oct 21, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Yield curve impact on mortgages
Replies: 12
Views: 979

Re: Yield curve impact on mortgages

I got my last mortgage in late 2014, so I guess that was more exceptional and now is closer to normal. I was always told ARMs are bad, so I never considered one. Should I, in the current environment? I have never stayed in a house longer than 5 years so far so I guess I would have been better off w...
by whodidntante
Sun Oct 21, 2018 12:01 am
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 15
Views: 1208

Re: Beer - Strong German Style Lagers

My honest opinion is that the experience of Oktoberfest makes the beer taste better, and you'll be unable to replicate it outside of Munich. However, try these beers. http://www.generationsbrewing.com/hella-good.html (Regional) https://www.ballastpoint.com/beer/longfin-lager/ (National I think) I've...
by whodidntante
Sat Oct 20, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Travelers Checks
Replies: 31
Views: 1570

Re: Travelers Checks

Travelers checks are an anachronism. You can either use multiple atm cards with high limits ($1,500 is not uncommon) or you can walk into a bank and request a debit card cash advance, even if you are not a customer. Try it before it matters if you are not familiar.
by whodidntante
Sat Oct 20, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 144
Views: 11211

Re: Where would you go for financial guidance if you win the Megamillions?

I would invest the money very similarly to how I do now. If there were a better way, I would be doing it already. I would seek advice on tort liability protection and tax liability reduction, but not for investments.
by whodidntante
Fri Oct 19, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: How do you trade ETFs exactly like mutual funds?
Replies: 44
Views: 2130

Re: How do you trade ETFs exactly like mutual funds?

Certainty of execution is the crucial thing. Mutual funds trade at next NAV, which is unknown to you until a couple of hours after the market closes. ETFs can be traded with limit orders or marketable limit orders, and you know for certain you won't get a worse price than you specified. That's a gr...
by whodidntante
Wed Oct 17, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity ZERO funds
Replies: 3
Views: 828

Re: Fidelity ZERO funds

I think you would be better off investing in ITOT and IXUS. Those are similar but more tax efficient due to the ETF structure.
by whodidntante
Wed Oct 17, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Would you ever buy a lottery ticket?
Replies: 32
Views: 1274

Re: Would you ever buy a lottery ticket?

OP, 1) I may buy one ticket just for my own entertainment. 2) My uncle strike lottery 3 times. So, what is the odds of that? KlangFool Possibly good. Unless you mean that he won the powerball jackpot three times after buying only three tickets. Some people buy multiple tickets a day and brag about ...
by whodidntante
Wed Oct 17, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Would you ever buy a lottery ticket?
Replies: 32
Views: 1274

Re: Would you ever buy a lottery ticket?

I don't mind gambling but I like to gamble in situations where I have a positive expectation and where I can reasonably win without committing a huge amount of capital.
by whodidntante
Wed Oct 17, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: Treasuries safe?
Replies: 33
Views: 1540

Re: Treasuries safe?

China has already been selling treasuries. It was hardly a blip. The USA is far from perfect but it will take a fat black swan to trigger defaults on treasuries. What is much more likely is a loss in real terms, especially after tax.
by whodidntante
Wed Oct 17, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: would you buy bonds or corporate bonds now?
Replies: 19
Views: 1732

Re: would you buy bonds or corporate bonds now?

Most people on this board would recommend against buying corporate bonds, I think. They carry basically the same risk as stocks. It's better to diversify your risk and buy government bonds in addition to stocks. The risk of corporate bonds is not the same as stocks. I don't feel that I speak for "m...
by whodidntante
Wed Oct 17, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 53
Views: 4804

Re: Best way to complain about Hertz bait-and-switch?

Reservations don't mean much at rental car companies. It's more like an advance request. A complaint will get you a voucher at most.
by whodidntante
Wed Oct 17, 2018 7:28 am
Forum: Investing - Help with Personal Investments
Topic: More safe: Treasury ETF or Bank Account
Replies: 6
Views: 855

Re: More safe: Treasury ETF or Bank Account

You'll have to tell me what safe means. A bank account up to FDIC limits does not have a risk of loss in nominal terms, but it's possible to lose money in real terms. The number didn't get smaller but you lost purchasing power. A Treasury bond ETF can lose money in nominal terms.
by whodidntante
Tue Oct 16, 2018 11:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 321
Views: 33743

Re: U.S. stocks continue to soar!

What... is the air-speed velocity of an unladen swallow?
by whodidntante
Tue Oct 16, 2018 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: street shares
Replies: 5
Views: 690

Re: street shares

I'm not familiar, but I did notice they have liquidity gates though they aren't terrible. Access your money anytime for a 1% fee* After 1 year, withdraw with no fee or keep your money at work *For withdrawals of more than $50,000 StreetShares may take up to 30 days to process the payment and remit t...
by whodidntante
Tue Oct 16, 2018 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: What would you do with unexpected tax refund?
Replies: 25
Views: 1272

Re: What would you do with unexpected tax return?

I found $100 once. I probably spent it on whiskey. Your "find" was not a find, but the result of tardy accounting and tax overpayment. I would rather find $100 than to get my own money back late. I would not do option 1 because I don't pre-pay low interest debt. I might do option 2 sufficient to kil...
by whodidntante
Tue Oct 16, 2018 11:33 pm
Forum: Investing - Theory, News & General
Topic: flattening yield curve and tlh treasuries
Replies: 6
Views: 688

Re: flattening yield curve and tlh treasuries

Maybe. It would make more sense if you didn't switch from an absolute amount to a percentage in your post, and also provided information about how you intend to use this money.
by whodidntante
Tue Oct 16, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 93
Views: 9997

Re: What do you consider 'enough'?

If I can spend a million dollars a day for five days, and still have enough to live in a low cost country until I expire. Not that that's the plan.
by whodidntante
Tue Oct 16, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: International Fund Down - What to do?
Replies: 36
Views: 2285

Re: International Fund Down - What to do?

Buy more. Use current income or sell American stocks.
by whodidntante
Mon Oct 15, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: how to find 401k fees
Replies: 16
Views: 1495

Re: how to find 401k fees

I have Empower. My fees are available online. I go to Plan Information->Disclosure Notices->Current Investment Returns & Fee Comparison. I have several low cost options in my plan from Vanguard, DFA, and State Street. I can and do keep my costs low. Your options may not be as good. Much depends on b...
by whodidntante
Mon Oct 15, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend lost job, getting a lump sum severance... What should we do next
Replies: 36
Views: 3047

Re: Girlfriend lost job, getting a lump sum severance... What should we do next

What do her employment prospects look like? Roll the 401k to a traditional IRA, assuming pre-tax contributions. If she ends up with a low income year, don't waste the opportunity for Roth conversions. Cobra isn't that bad cost wise. It's basically current cost+what your employer used to pay+modest a...
by whodidntante
Mon Oct 15, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 3918

Re: How Much Is Your Sewer Bill?

Sometimes I think I should pay more.
by whodidntante
Mon Oct 15, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 88
Views: 5825

Re: When to stop putting money into an older vehicle

I'm a little curious why you wouldn't leave it unlocked and engineer a cheap ignition switch. Is this your first hooptie?
by whodidntante
Mon Oct 15, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: Should I sell Microsoft Bond
Replies: 19
Views: 1354

Re: Should I sell Microsoft Bond

Shortening duration and the complete elimination of credit risk sounds like a good deal to me.
by whodidntante
Sun Oct 14, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5760

Re: What the heck is growing in my yard?

I have a bunch of these (almost the size of a shoebox)! I removed around 6 trees from my yard a few years ago, and they're popping up where the biggest roots were. They are obnoxious, but they are easily removed. I lightly kick them, and they disconnect from the ground in one piece. That sounds lik...
by whodidntante
Sun Oct 14, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Muscular Portfolios Questions
Replies: 9
Views: 1054

Re: Muscular Portfolios Questions

I think you'll have to summarize the musclely portfolio in order to get a useful response.
by whodidntante
Sun Oct 14, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: Does international really buy you diversification?
Replies: 43
Views: 4469

Re: Does international really buy you diversification?

"U.S. Stocks Have Been an Anomaly in Global Markets. Not Anymore." https://www.wsj.com/articles/u-s-stocks-have-been-an-anomaly-in-global-markets-not-anymore-1539522000?mod=hp_lead_pos2 “We have seen a rapid shakeout of very crowded and over-owned U.S. assets,” said Chris Weston, head of research at...
by whodidntante
Sun Oct 14, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Bed bug problem attack plan
Replies: 19
Views: 2017

Re: Bed bug problem attack plan

Bed bugs do not transmit disease, so It would be cheaper to live with them and they will help you lose weight. But if you decide to eradicate, do it yourself and trust no one. I would go with the approach where you superheat the room for hours, because that sounds like a fun project.
by whodidntante
Sun Oct 14, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]
Replies: 25
Views: 1695

Re: DGS: Own it? Opinions on it?

One note about EWX and EEMS is that while they don't have the inherent value tilt of DGS, they make money hand over fist on securities lending that makes up for the ER. EEMS made $906k in securities lending revenue in 2017, versus expenses of 1.3 million. https://www.ishares.com/us/library/stream-d...
by whodidntante
Sat Oct 13, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Drop in MPG (09 Civic)
Replies: 24
Views: 1334

Re: Drop in MPG (09 Civic)

I think ignition coils/plugs are unlikely. If you don't have good ignition you'll throw out unburned fuel. If you're throwing out that much unburned fuel it will occasionally burn in the exhaust pipe, and your catalytic converter will not live long. It tends to manifest as a misfire and it'll set a ...
by whodidntante
Sat Oct 13, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k confusion with market
Replies: 19
Views: 1518

Re: New 401k confusion with market

For simplicity purposes should I just let both accounts ride with a 3 stock porfolio aggressive? From what I've learned and understood so far (I am a rookie) can someone give me an opinion on this logic? Should one adjust for maximum gains? in a bull market (not to go aggressive on stocks) and in a...
by whodidntante
Sat Oct 13, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: 1% Balance Transfer - Uber Barclays Visa
Replies: 16
Views: 798

Re: 1% Balance Transfer - Uber Barclays Visa

A balance transfer does not award points. There is an arbitrage opportunity with your offer and I would take it, but it's a razor thin profit you will earn. I frequently take advantage of 0% purchase APR offers that accumulate points and do not involve a fee. These are usually only available for sig...
by whodidntante
Sat Oct 13, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Stinky Car After Changing Cabin Air Filter
Replies: 6
Views: 801

Re: Stinky Car After Changing Cabin Air Filter

There are a lot of causes for bad odors. Water intrusion can cause mold/mildew and is relatively common, as is smoking and rotting food. Some odors can really linger. Does it smell of death? Is the odor always present or does it get much worse if you turn the fan on? If you think it's a dead mouse I...
by whodidntante
Sat Oct 13, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 39
Views: 2687

Re: Lost Power for 24 hours - what food to toss?

Eggs should be just fine. When I was a kid, my parents raised chickens in our backyard and we never ever refrigerated eggs even in hot summer days. If you wash the eggs (and store-bought eggs are washed), you should refrigerate. Unwashed eggs can be kept on the counter. Your parents eggs are not li...
by whodidntante
Sat Oct 13, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 4878

Re: Is it worth filing FAFSA even if you know you'll get nothing?

DanMahowny wrote:
Sat Oct 13, 2018 1:38 pm
Only my wife knows how much money we have. It's gonna stay that way- at least until we're both dead.
So how much? Just kidding.
by whodidntante
Sat Oct 13, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Home Depot Stock
Replies: 16
Views: 1730

Re: Home Depot Stock

Home depot is a well run retailer, but it's still a retailer, and I don't think it's a better investment than a low cost mutual fund. You have single company uncompensated risk. I would sell every last share eventually, but it's fine to be tax smart about it. For just a 10k tax hit, I would probably...
by whodidntante
Sat Oct 13, 2018 12:47 pm
Forum: Investing - Theory, News & General
Topic: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]
Replies: 25
Views: 1695

Re: DGS: Own it? Opinions on it?

I've owned it a few times, and each time I ended up TLH'ing out of it. It's fine and doesn't really have a competitor but the ER is high.
by whodidntante
Sat Oct 13, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3136

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

I have driven hoopties cross country before. If I had rented a car, I would have missed out on the hooptie factor.
by whodidntante
Sat Oct 13, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: 6 month Treasury Note: "Bond" or "Cash"?
Replies: 47
Views: 3567

Re: 6 month Treasury Note: "Bond" or "Cash"?

T-bills are cash. But I thought politics was forbidden in our walled garden.
by whodidntante
Sat Oct 13, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: Is EMH a tautology?
Replies: 108
Views: 4636

Re: Is EMH a tautology?

In fact even Fama thinks that the momentum effect makes EMH very dubious, since one would need a particular crazy asset pricing model to justify the quickly shifting risk in momentum stocks. This is one reason that we can still trust Fama as a scientist, which sometimes goes away in someone with hi...
by whodidntante
Sat Oct 13, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3540

Re: Not convinced with insurance

I wouldn't pay $500 for an umbrella policy either. You might be able to get a better deal elsewhere. I like to have umbrella insurance sufficient to cover my investments. I only added a policy a couple of years ago. I expect it to be a waste of money, but if you need it, oh man is it good to have it!
by whodidntante
Sat Oct 13, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: tablet or small laptop for general and travel computer?
Replies: 41
Views: 2199

Re: tablet or small laptop for general and travel computer?

When I went for my MBA I used an Android tablet with a case stand and a bluetooth keyboard. It worked well for notes, spreadsheets, and for browsing the web during Saturday morning business law class.
by whodidntante
Thu Oct 11, 2018 9:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 75
Views: 9604

Re: livesoft is almost at 50,000 posts...

At the current rate, when will livesoft hit 500,000 posts? If his first 50 took ten years then the next 450 will take another 90 years. And since he’s at 62 now I estimate it will take place in the year 2107. :beer Livesoft 2.0 will achieve this objective approximately one day after being brought o...
by whodidntante
Thu Oct 11, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Time to sell international funds in 401k
Replies: 10
Views: 1479

Re: Time to sell international funds in 401k

Reducing your allocation to an asset based solely off recent underperformance does not sound like a winning strategy. While American Funds are not the worst funds, but they are still more expensive than most passive funds. And AF tends to favor growth stocks, which is a fancy way of saying expensive...
by whodidntante
Thu Oct 11, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3274

Re: Best headphones under 500 bucks

I use Audio-Technica ATH-M50x Professional Studio Monitor Headphones when travelling. I've been happy with the sound quality and noise isolation, and I can comfortably wear them for an 11 hour flight. I listen to Rock, Rap, and podcasts. Best of all, you can realistically drive them without a headph...
by whodidntante
Wed Oct 10, 2018 9:54 pm
Forum: Investing - Theory, News & General
Topic: Bond Market Index vs Stable Value?
Replies: 6
Views: 694

Re: Bond Market Index vs Stable Value?

I do 50% SVF, 50% TBM in my 401k to shorten duration. I have a short duration bond fund available, but it's a weird expensive junk bond fund that somehow got lucky for a few years so the plan advisor picked it.