Search found 649 matches

by ThriftyPhD
Sun Jul 15, 2018 8:18 pm
Forum: Investing - Theory, News & General
Topic: Math help: 401k vs debt payoff formula
Replies: 12
Views: 931

Re: Math help: 401k vs debt payoff formula

The current SEC yield on Vanguard High-Yield Corporate Fund Investor Shares (VWEHX) is 5.75%. This is higher than your expected 5% nominal for stocks. Are you moving from equities to high yield bonds? Nope. I don't invest in non-investment-grade products. Yes there is a default risk, but if there i...
by ThriftyPhD
Sun Jul 15, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: Math help: 401k vs debt payoff formula
Replies: 12
Views: 931

Re: Math help: 401k vs debt payoff formula

Current yields suggest a future return of 3% real, or around 5% nominal depending on inflation. It would be negligent to expect 9% for no good reason. You have ignored the effects of inflationary periods, you have ignored current yields, and you have ignored trends in GDP growth. Long term equity r...
by ThriftyPhD
Sun Jul 15, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?
Replies: 7
Views: 569

Re: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?

mortfree wrote:
Sun Jul 15, 2018 5:49 pm
If your plan has spillover election be sure that is turned off.

Congrats on maxing both.
Why turn off spillover election?
by ThriftyPhD
Sun Jul 15, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 41
Views: 2384

Re: Bears!!!

I had a relative who lived out in the woods. Any garbage left outside for long would attract bears. He built a box around the garbage cans using extra thick wood planks. A few times bears came around and left good size scratches in it, but the box held. After a while they moved on and stopped trying.
by ThriftyPhD
Fri Jul 13, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103253

Re: To take or not to take delivery of Tesla 3

The typical Model 3 that has normal AP (traffic sensing cruise control) is 54K. A little over the typical Boglehead auto suggestion. Extended range, premium interior, normal Auto Pilot (AP) is $49k. Adding Enhanced Auto Pilot is $5k more, or $54k total. You somehow complain that they aren't offerin...
by ThriftyPhD
Fri Jul 13, 2018 7:34 am
Forum: Investing - Help with Personal Investments
Topic: 26 years old. Roth ira with edward jones last 3.5 years.
Replies: 44
Views: 2484

Re: 26 years old. Roth ira with edward jones last 3.5 years.

After looking around it seems these all have pretty freaking high fees comparitively. I'm looking for advice or references to learn how I should go about investing with about 5k (seems schwab/fidelity has a pretty good following) and if keeping this ira at edward jones is really that bad (40 annual...
by ThriftyPhD
Thu Jul 12, 2018 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: How to buy T-Bills
Replies: 33
Views: 2518

Re: How to buy T-Bills

No fees.
by ThriftyPhD
Thu Jul 12, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: Treasury Auction - Nobody Came: "Great T-Bill Massacre"
Replies: 145
Views: 11772

Re: Treasury Auction - Nobody Came: "Great T-Bill Massacre"

by Oicuryy » Thu Jul 12, 2018 4:20 pm nedsaid wrote: ↑Wed Jul 11, 2018 8:29 am Didn't the Fed just raise the Federal Funds rate to 2% in June and signal that there will be one more rate hike in 2018 than what had previously been anticipated? An uptick in T-Bill rates should not be too surprising. I...
by ThriftyPhD
Thu Jul 12, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: How to buy T-Bills
Replies: 33
Views: 2518

Re: How to buy T-Bills

I haven't tried it with $100k, but I've found Treasury Direct easy to use. You can buy a 3-month T-Bill and set it to reinvest for up to two years (you can continue to edit it to reinvest for 2 years out from when you edit). If you buy in Treasury Direct, you can't redeem them until maturity. You sh...
by ThriftyPhD
Thu Jul 12, 2018 6:37 pm
Forum: Investing - Theory, News & General
Topic: Treasury Auction - Nobody Came: "Great T-Bill Massacre"
Replies: 145
Views: 11772

Re: Treasury Auction - Nobody Came: "Great T-Bill Massacre"

by Oicuryy » Thu Jul 12, 2018 4:20 pm nedsaid wrote: ↑Wed Jul 11, 2018 8:29 am Didn't the Fed just raise the Federal Funds rate to 2% in June and signal that there will be one more rate hike in 2018 than what had previously been anticipated? An uptick in T-Bill rates should not be too surprising. I...
by ThriftyPhD
Wed Jul 11, 2018 5:33 pm
Forum: Investing - Theory, News & General
Topic: Selling Treasuries before maturity
Replies: 11
Views: 1050

Re: Selling Treasuries before maturity

One option with the T-bills is to do a 6 month ladder, with 1/6 of your fund maturing each month. In Treasury Direct, you can set them to reinvest until you need the money, then turn off reinvestment and have the matured bills deposited to your account. How many days prior to the reinvestment date ...
by ThriftyPhD
Tue Jul 10, 2018 8:48 pm
Forum: Investing - Theory, News & General
Topic: Selling Treasuries before maturity
Replies: 11
Views: 1050

Re: Selling Treasuries before maturity

To be fair, the original suggestion was for a 6 month (26 week) T-bill. You have a 20 month T-note, which I assume you bought on the secondary market since Treasury Direct only sells 2, 3, 5, 7, and 10 year notes. The rate risk would be a lot worse for the longer duration note. One option with the T...
by ThriftyPhD
Tue Jul 10, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103253

Re: To take or not to take delivery of Tesla 3

Though I honestly, truly believe they aren't close to 5k a week. Their paint shop for Fremont is only licensed for 5K a week total. This is why we had the "factory-gated" nonsense. If they had 100k-200k of reservations of people interested in the more expensive vehicles they would not have needed t...
by ThriftyPhD
Mon Jul 09, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Mega backdoor Roth: confusing form for in-service withdrawal
Replies: 7
Views: 386

Re: Mega backdoor Roth: confusing form for in-service withdrawal

Can you do it as two steps? Roll the basis (a known $ amount) to a Roth IRA. Then, once that's done, roll 100% to a traditional (since it will all be growth).
by ThriftyPhD
Mon Jul 09, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Avocado oil --recommendations?
Replies: 18
Views: 1493

Re: Avocado oil --recommendations?

JoeRetire wrote:
Mon Jul 09, 2018 7:18 pm
Avocado oil is a thing?

What do you do with it - put it on your toast?
It has a very high smoke point, making it a very good for high heat frying, grilling etc.
by ThriftyPhD
Mon Jul 09, 2018 6:24 am
Forum: Investing - Theory, News & General
Topic: Is it contradictory to be a Boglehead and have substantial allocation towards SCV?
Replies: 30
Views: 2191

Re: Is it contradictory to be a Boglehead and have substantial allocation towards SCV?

Nobody has ever claimed that SCV will beat S&P 500 over every time period. Well, you did. Untrue. Please identify where I said that. I've quoted it twice so far; it's what I was responding to in the first place. Third time's the charm. First, the assertion that SCV has under-performed the S&P500 ov...
by ThriftyPhD
Sun Jul 08, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: What did you sign with your financial advisor?
Replies: 14
Views: 1362

Re: What did you sign with your financial advisor?

You allow a fee only advisor to trade your account?.......Gordon Yes, as to many people. This is a much more focused issue I am pointing out though. Not for anybody to say whether that's a good or bad idea. It's a fact that people have their accounts set up including people here on BH. I am merely ...
by ThriftyPhD
Sun Jul 08, 2018 6:18 pm
Forum: Investing - Theory, News & General
Topic: Is it contradictory to be a Boglehead and have substantial allocation towards SCV?
Replies: 30
Views: 2191

Re: Is it contradictory to be a Boglehead and have substantial allocation towards SCV?

Nobody has ever claimed that SCV will beat S&P 500 over every time period. Well, you did. First, the assertion that SCV has under-performed the S&P500 over long time periods is flat-out wrong. Obviously depending on what you mean by long time period, but I found a 14 year period where SCV under-per...
by ThriftyPhD
Sun Jul 08, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: Is it contradictory to be a Boglehead and have substantial allocation towards SCV?
Replies: 30
Views: 2191

Re: Is it contradictory to be a Boglehead and have substantial allocation towards SCV?

First, the assertion that SCV has under-performed the S&P500 over long time periods is flat-out wrong. There is a small cap premium and a value premium, and these are persistent and pervasive (over long time periods). Look at the data yourself. Not that I'm against SCV, but there are some examples ...
by ThriftyPhD
Sun Jul 08, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2362

Re: E- Billing & Autopay

I have been reluctant to go to an all e-bill system for expenses (water, power, internet, CC, etc), in part because of concerns with complications for my wife when I pass as she is not very computer savvy. I can't see any other path than companies moving more and more to ebills, including charging ...
by ThriftyPhD
Fri Jul 06, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: Active Management Justification
Replies: 33
Views: 1805

Re: Active Management Justification

I’d fire my broker. You can always find a chart or fund that looks better than an index. The thing is, you can only find it for sure in hindsight. JT So everyone should fire Vanguard for their research? Never hired them in the first place. :beer Be careful interpreting things like this. They use 20...
by ThriftyPhD
Fri Jul 06, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Good scanner for paperless (or less paper) office?
Replies: 30
Views: 1248

Re: Good scanner for paperless (or less paper) office?

By far THE BEST is a ScanSnap ix500 by Fujitsu. http://www.fujitsu.com/us/products/computing/peripheral/scanners/scansnap/ix500/ You won't be sorry you chose the best, believe me. No, I am not an employee of Fujitsu, just a well satisfied customer. Al What do you say this would do better than, say,...
by ThriftyPhD
Thu Jul 05, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: Good scanner for paperless (or less paper) office?
Replies: 30
Views: 1248

Re: Good scanner for paperless (or less paper) office?

By far THE BEST is a ScanSnap ix500 by Fujitsu. http://www.fujitsu.com/us/products/computing/peripheral/scanners/scansnap/ix500/ You won't be sorry you chose the best, believe me. No, I am not an employee of Fujitsu, just a well satisfied customer. Al +1 +1 +2 to the Fujitsu ScanSnap -- I've been u...
by ThriftyPhD
Thu Jul 05, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Party for 30
Replies: 15
Views: 1655

Re: Party for 30

You could look into local food trucks. You might have enough people to hire them for a private event.
by ThriftyPhD
Wed Jul 04, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: How come voice command on Garmin GPS is so lousy compared to Google Maps?
Replies: 22
Views: 1566

Re: How come voice command on Garmin GPS is so lousy compared to Google Maps?

Google can afford a much bigger team of AI experts to do voice to text transcription. They also have a lot more data to use to train their systems. Think every video in Youtube, every song in Google Music, every voicemail they've transcribed for Google Voice.
by ThriftyPhD
Tue Jul 03, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Treasury Auction - Nobody Came: "Great T-Bill Massacre"
Replies: 145
Views: 11772

Re: Treasury Auction - Nobody Came: "Great T-Bill Massacre"

Heh, reminds me of:
Yogi Berra wrote:Nobody goes there anymore. It’s too crowded.
There was demand for $85.75 billion in 4 weeks T bills, they only had $35 billion for sale. Methinks they don't understand what "massacre" means.
by ThriftyPhD
Tue Jul 03, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103253

Re: To take or not to take delivery of Tesla 3

General assembly in a tent presents a number of challenges. Most assembly equipment is also not designed for outdoor use. In general, auto manufacturers prefer to operate in a controlled environment with consistent humidity and temperature. This is especially true for applying sealants and adhesive...
by ThriftyPhD
Mon Jul 02, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: [Small, Portable, and Ductless Air Conditioners]
Replies: 54
Views: 2662

Re: [Small, Portable, and Ductless Air Conditioners]

2. I have read not to refer to a mini-split's condenser, because in fact it's a heat pump. As such, can it be used to heat the home in some limited way? I can't expect it alone could provide enough heat for a northern winter, but maybe in the spring and fall. In what temperature ranges does this fu...
by ThriftyPhD
Sun Jul 01, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 81
Views: 4564

Re: Can I buy a Tesla?

Don't do it, Dr. OP. Tesla is a dumpster fire, the Model 3 is an overhyped embarrassment--I have multiple remorseful colleagues who can attest--and for half the price you can get a slightly-used something-else. Gosh, that’s surprising. I talk to many Tesla owners, and I have yet to meet ONE remorse...
by ThriftyPhD
Sat Jun 30, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 81
Views: 4564

Re: Can I buy a Tesla?

Now that I think of it, using Livesoft’s Rule, you probably can’t afford it. Livesoft’s Rule states that you can spend as much on a car as your portfolio has made or lost in a day. So the only people who should own cars are those that are financially independent, or just went through a stock market...
by ThriftyPhD
Sat Jun 30, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 3723

Re: hybrid or plug-in electric car

I think it should be required that anyone suggesting EV car and loves theirs disclose how many cars they own and if all of them are EV. While I agree, EV like a new Leaf would fit the described use case, IF OP ever wants to drive more in a day or a few days (road trip) for any reason then there are...
by ThriftyPhD
Fri Jun 29, 2018 6:37 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8530

Re: "homemade dividends" from Total Stock Market fund

Words matter, and calling it 'homemade dividends' skews your view of the issue before you even get into the details. The correct term is not 'homemade dividend' so I would stop using it. It would also be incorrect to call dividends "involuntary sales", though in my opinion a more applicable term for...
by ThriftyPhD
Fri Jun 29, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 81
Views: 4564

Re: Can I buy a Tesla?

Your billable time is too valuable to be hanging around a charging station. Gas and get to work! :D That's not how EVs work unless you are on a road trip (non billable time) or have no way to charge at home (but then, maybe at work instead?). The general idea is to charge at home overnight, to find...
by ThriftyPhD
Fri Jun 29, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 81
Views: 4564

Re: Can I buy a Tesla?

I'd research the kind of hassle and nightmare it can be to repair the tiniest body damages on a Tesla car before even considering whether to get it (think > $5000 to fix a tiny scratch as well as potentially months of waiting time while car is at the repair shop) This factor alone for sure will kee...
by ThriftyPhD
Fri Jun 29, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 81
Views: 4564

Re: Can I buy a Tesla?

I'd research the kind of hassle and nightmare it can be to repair the tiniest body damages on a Tesla car before even considering whether to get it (think > $5000 to fix a tiny scratch as well as potentially months of waiting time while car is at the repair shop) This factor alone for sure will kee...
by ThriftyPhD
Fri Jun 29, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: [Small, Portable, and Ductless Air Conditioners]
Replies: 54
Views: 2662

Re: Best Small Air Conditioner

Does anyone have an opinion on whether utilizing a portable dehumidifier would be a viable option for something like this? I am in Kansas where it gets very hot and humid in the summer and our master bedroom is on the 2nd floor with south facing windows. My temperature gauge in the bedroom shows 77...
by ThriftyPhD
Fri Jun 29, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: [Small, Portable, and Ductless Air Conditioners]
Replies: 54
Views: 2662

Re: Best Small Air Conditioner

.. or with dual hose units you're drawing in outside air through a second hose to transfer the heat, which is better but still bringing heat indoors. While dual hose units avoid dumping conditioned air outside, you still have the problem of a hot AC unit and a hot exhaust hose transferring heat to ...
by ThriftyPhD
Fri Jun 29, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: [Small, Portable, and Ductless Air Conditioners]
Replies: 54
Views: 2662

Re: Best Small Air Conditioner

https://thewirecutter.com/reviews/best-air-conditioner/ https://thewirecutter.com/reviews/the-best-portable-air-conditioner/ The negatives with portable air conditioners is that the entire unit is in the house. The heat must then be pumped outside, and that process is inefficient. You're either draw...
by ThriftyPhD
Thu Jun 28, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Roth vs Taxable to Fund Retirement Prior to 59 1/2
Replies: 12
Views: 1132

Re: Roth vs Taxable to Fund Retirement Prior to 59 1/2

If you retire after 55, you can access your 401k without penalty.

Otherwise, I would still choose Roth over taxable. You can always take out the contributions.
by ThriftyPhD
Sun Jun 24, 2018 4:54 pm
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 92
Views: 10767

Re: I-bonds look pretty bad right now

How are we valuing the tax deferred nature of the IBond? This is something you don't get with bank CDs. Tax deferral, in addition to no state income tax, is going to depend on your personal circumstances. What's your marginal tax rate, what will it be when you cash them in, how long do you expect t...
by ThriftyPhD
Sun Jun 24, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: 1st Vanguard Complaint in 30 years
Replies: 21
Views: 3999

Re: 1st Vanguard Complaint in 30 years

But you're assuming VG is monitoring bogleheads. Not at all. But any company that is interested in customer experience will monitor websites related to their business for comments from customers. If Vanguard isn't doing this, that should tell you something about how they care about customer service...
by ThriftyPhD
Sat Jun 23, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: 1st Vanguard Complaint in 30 years
Replies: 21
Views: 3999

Re: 1st Vanguard Complaint in 30 years

But you're assuming VG is monitoring bogleheads. Not at all. But any company that is interested in customer experience will monitor websites related to their business for comments from customers. If Vanguard isn't doing this, that should tell you something about how they care about customer service...
by ThriftyPhD
Sat Jun 23, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: 1st Vanguard Complaint in 30 years
Replies: 21
Views: 3999

Re: 1st Vanguard Complaint in 30 years

you'd probably do better complaining to vanguard, not bogleheads. We don't take your feedback and forward it to Tim Buckley. I always say the shortest distance between any two points is a straight line. Know what I mean? Why not cut out the middle man (bogleheads) and make your complaint known to t...
by ThriftyPhD
Fri Jun 22, 2018 8:54 pm
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 92
Views: 10767

Re: I-bonds look pretty bad right now

On the other hand, you're applying the 3 month penalty to the Ibond, but not the early redemption fee of the CD (or price fluctuations on a brokered CD).
by ThriftyPhD
Sun Jun 17, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 12228

Re: MD&P just purchased X / sold Y [md&pharmacist]

A bunch of jabbering in this thread without any recent trades. Can the replies cease until OP actually makes a purchase/sell? OP, can your next post in this thread be just that? Thanks. I understand, all of this subjectivity drowns out the objectivity for those genuinely interested (possibly by des...
by ThriftyPhD
Thu Jun 14, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Charles Schwab account
Replies: 25
Views: 2821

Re: Vanguard or Charles Schwab account

I currently have an account with Fidelity.I want to open another account for index fund investing. Is it better to open Charles Schwab account or Vanguard account? I imagine Vanguard, Schwab, or Fidelity would be fine. Is there a reason you don't want to do index fund investing at Fidelity, since y...
by ThriftyPhD
Sat Jun 09, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 5329

Re: Rowing machine motivation

So I bought a concept 2 rowing machine. It’s awesome. But I can’t seem to last longer than 5 minutes on it. I have to struggle to get to a 1000 meters in 5 minutes... Anybody have some tips? Pretty sure my technique is decent. Watched a bunch of YouTube vids. Or maybe it’s my conditioning. First fi...
by ThriftyPhD
Sat May 26, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Is having insurance from 5 different companies normal?
Replies: 15
Views: 1668

Re: Is having insurance from 5 different companies normal?

I find this quite annoying due to the administrative burden (different websites/logins, payments at various times of month/year, and two of the companies don't offer online management) and also have the (uninformed) suspicion that I could probably get a better rate/coverage if one company could cov...
by ThriftyPhD
Fri May 25, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: stock screening question
Replies: 8
Views: 623

Re: stock screening question

I am primarily interested in screening for companies that are fairly valued in case of a major prolonged downturn. If it reached the point where assets would have to be liquidated or sold, I'd like for the company to actually have assets. Thank you for the reply. If there is a prolonged downturn, w...
by ThriftyPhD
Mon May 21, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12369

Re: done with Gmail

Is it a common/simple account (like xyz :D )? If so, you might be getting spam from people signing up for fake or throwaway accounts. Many websites ask for an email to create an account before you can get access to the site. If someone just entered something for a throw away account (john.smith@gmai...