Search found 31 matches

by sparksfly
Thu Nov 14, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: MetLaw - new company benefit - worth it?
Replies: 8
Views: 637

Re: MetLaw - new company benefit - worth it?

Thank you for sharing your experiences and perspectives. I'm behind on my wills and it looks like getting that done by subscribing for a year may be worth it.
by sparksfly
Thu Nov 14, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: MetLaw - new company benefit - worth it?
Replies: 8
Views: 637

MetLaw - new company benefit - worth it?

Hello bogleheads, With the new open benefits enrollment, my company had added a new option to subscribe to a legal assitance company "Metlaw". For $200 a year, I can subscribe to the legal services which access to attorney for most of the common legal issues including estate planning, trafic inciden...
by sparksfly
Sun Aug 04, 2019 9:04 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 306447

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I was trying to update the sim data files for TMF and UPRO to make them current by adding the missing daily data after 02/21/19 (the last date in the sim files). However, I noticed something that I wanted to check with folks here. I downloaded the daily data from Feb to now from yahoo finance and c...
by sparksfly
Sun Aug 04, 2019 8:55 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 306447

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I was trying to update the sim data files for TMF and UPRO to make them current by adding the missing daily data after 02/21/19 (the last date in the sim files). However, I noticed something that I wanted to check with folks here. I downloaded the daily data from Feb to now from yahoo finance and ca...
by sparksfly
Fri Feb 22, 2019 12:15 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 306447

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

MotoTrojan wrote:
Fri Feb 22, 2019 12:10 am
Less bickering more learning please!
Yes please...our money is on the line :D :D
by sparksfly
Thu Feb 21, 2019 12:25 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 306447

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

"It works until it doesn't." Or it proves anything goes up or down at the same time on any given day. Correlations over the long term is what matters for the long term investor. Unless one is a day trader why does anyone care? I am pretty sure every person who is on board with trying this is in it ...
by sparksfly
Sat Feb 16, 2019 10:39 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 306447

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I have a Roth with $1,500 (I can't backdoor) that would be a slam dunk for this if I didnt have all investments at Vanguard. It is so small I can't talk myself into the hassle of another account. If it was 10k I would do it. Somebody talk me into it! Not trying to talk you into it but account openi...
by sparksfly
Sat Feb 16, 2019 10:08 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 306447

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I have a Roth with $1,500 (I can't backdoor) that would be a slam dunk for this if I didnt have all investments at Vanguard. It is so small I can't talk myself into the hassle of another account. If it was 10k I would do it. Somebody talk me into it! Not trying to talk you into it but account openi...
by sparksfly
Thu Feb 14, 2019 12:29 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 306447

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

My M1 Finance Roth IRA was opened and funded yesterday. Auto invest triggered the buy orders this morning in the portfolio. Very small part of the portfolio but I'm in :sharebeer How long from when you emailed them your statement to when the transactions occurred? I'm trying to clean up some accoun...
by sparksfly
Thu Feb 14, 2019 11:27 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 306447

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

My M1 Finance Roth IRA was opened and funded yesterday. Auto invest triggered the buy orders this morning in the portfolio. Very small part of the portfolio but I'm in :sharebeer
by sparksfly
Mon Feb 11, 2019 3:33 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 306447

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

HEDGEFUNDIE wrote: ↑Sat Feb 09, 2019 1:00 pm If 2008 happened again, UPRO would get killed but TMF would skyrocket. [...] What would be the absolute downside in this scenario? If say S&P500 is down 50% (2008-2009), UPRO be down 150% (3 times) Does that mean, one of the following scenarios: 1) UPRO ...
by sparksfly
Sun Feb 10, 2019 10:54 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 306447

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Watching this thread with lot of interest...will likely jump in. Like many others in the forum, the 3X leverage does concern me...especially in a market like 2008. Did a quick check on 2X funds (SSO, UBT) in 50/50 ratio and compared them to OP's mix. Returns are obviously much lower but with signifi...
by sparksfly
Sat Feb 09, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Is $53 too much for life insurance for me and my wife?
Replies: 36
Views: 2786

Re: Is $53 too much for life insurance for me and my wife?

Hi guys. I just signed up for life insurance through an agent who happens to be a friend. My current quote is $38 per month for $500,000 for a 20 year term. My wife’s will be $15 per month for $100,000 for a 20 year term. So a total of $53 per month. We are both 34. I’m just curious....how do these...
by sparksfly
Sat Jan 12, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 83
Views: 10787

Re: Who's flying?

Everything was normal at ORD and EWR this week. We have people flying from DFW, RDU, BOS, CVG...nobody had anything different to report
by sparksfly
Sat Jan 12, 2019 10:36 am
Forum: Personal Investments
Topic: where to put teen's initial $1k?
Replies: 9
Views: 798

Re: where to put teen's initial $1k?

Iorek wrote:
Sat Jan 12, 2019 10:09 am
so my inclination is just to go for a total mkt index fund (FZROX).
That's exactly what I did. They have a long life in front of them. A total stock fund makes sense...no expense fee and no minimum makes it best suited in my view.
by sparksfly
Fri Jan 04, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Help: IRS Notice CP22H
Replies: 2
Views: 567

Re: Help: IRS Notice CP22H

Bumping...any suggestions?
by sparksfly
Thu Jan 03, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help: IRS Notice CP22H
Replies: 2
Views: 567

Help: IRS Notice CP22H

Hi Bogleheads, need your guidance. I received a notice from IRS (CP22H) for Tax Year 2015 regarding adjustment to my Shared responsibility payment and I now owe roughly 400 USD. I'm fairly certain that this is a mistake because I have my 2015 forms 1095C from both employers in that year (changed job...
by sparksfly
Wed Jan 02, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Income increase and Roth IRA eligibility?
Replies: 19
Views: 1461

Re: Income increase and Roth IRA eligibility?

2019 projected gross income for DW and I: $248,132.00 -$38,000 (max 401k x2) -$,3,500 (max HSA) -$500 (FSA contribution) -$24,400 (standard deduction for married filing jointly) --------------- -$66,400 So projected AGI for 2019 is ~$181,732.00 ...I know the limit for full contribution is $193k and...
by sparksfly
Tue Dec 18, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Disney/Univ Studio in Spring Break - is it crowded?
Replies: 48
Views: 2078

Re: Disney/Univ Studio in Spring Break - is it crowded?

Using crowd calendar is good advice but sometimes those days are the only options you have, so the calendar wouldn't help much. For Universal LA - here is some practical advice (we visited during July 4th week and crowd calendar showed 8/9): 1. Buy tickets directly from universal site. That allows y...
by sparksfly
Mon Dec 17, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12408
Views: 2142326

Re: U.S. stocks in free fall

Another bad day. Dow down 557 points, S&P 500 down 48, and the NAZZ down 179. Personally, I call it another fun day. Very fun day...I would have had more fun if I had any more money left to invest...have to wait for next paycheck to hit 401k. I hope it stays down for a little while longer :beer
by sparksfly
Thu Dec 13, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 153
Views: 12064

Re: RobinHood Checking/Savings

already few other threads here. The waiting list is at 150,000+ already. It is not FDIC insured but SPIC insured
by sparksfly
Wed Dec 12, 2018 4:45 pm
Forum: Personal Investments
Topic: Why I use Roth for bond instead of stock. Please correct me...
Replies: 54
Views: 4715

Re: Why I use Roth for bond instead of stock. Please correct me...

Don't know what your time frames are but for the longer term, 10+ years: -Generally you want to put your highest potential earning securities in Roth so they can grow totally tax free over the years. -For safety and taxable, put your emergency funds in a money market/CDs/bank account. You won't pay...
by sparksfly
Thu Dec 06, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 24129

Re: What are others paying for property taxes around the US?

Western Suburbs of Chicago. $12,000 for 2,950 sqft built in 1996 :annoyed
by sparksfly
Tue Nov 20, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Recommendations for Home Printer
Replies: 41
Views: 2278

Re: Recommendations for Home Printer

brother. end of list. +2 I have Brother MFC-J825DW...using for 4 years now. It has wifi printing, scanner (you can scan a stack of pages using the tray), it can also upload your scans directly to dropbox, send you in email or just store directly on your computer over wifi. I don't remember how much...
by sparksfly
Sat Nov 17, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: LastPass vs BitWarden
Replies: 45
Views: 8510

Re: LastPass vs BitWarden

I like KEEpass. Open source, free, local storage instead of cloud. +1 for Keepass. using for 2+ years. there are windows and Mac versions and iphone apps as well. I have set it up on my Mac such that the database is auto synced to one drive cloud (secured with a very strong master password). I then...
by sparksfly
Thu Nov 15, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Mesh versus Range extender
Replies: 27
Views: 2295

Re: Mesh versus Range extender

Big +1 for mesh. Switched to google wifi almost 2 years ago after struggling with extenders. No issues in last 2 years. In my 3000 sqft home, 3 wifi points leave no dead spots (with the primary in in one corner of the home).
by sparksfly
Sat Nov 10, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve -points for family ?
Replies: 13
Views: 1784

Re: Chase Sapphire Reserve -points for family ?

Thank you very much!! Couple more question come to my mind: 1) Is Trip protection covered for 'all family members' or portion of card holder? 2)Can Travel Lounge be used by all family members or just card holder? Chase recently updated their lounge policy for Reserve. At this time, cardholder can t...
by sparksfly
Sat Oct 20, 2018 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card claim for rental car collision?
Replies: 36
Views: 3494

Re: Credit card claim for rental car collision?

Back in Dec 2016, I totaled a Hertz rental car (by rear ending another Hertz rental) in Hawaii. I had used Hertz reward points to book the car for 4 days but luckily paid the taxes with my Chase Sapphire Reserve card. After I returned back home, I got 2 claims from Hertz - first for 12K for the car ...
by sparksfly
Thu Oct 19, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 55
Views: 7059

Re: Warren Buffett Books

I'd recommend to people just to read all of his letters, which are available online in simple format from 1977 on. You'll learn more from them than from reading what writers think about him, although it will be a bit less entertaining. This. The letters are probably the best insights into his think...