Search found 278 matches

by crystalbank
Sat Jun 27, 2020 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: S-Corp to Schedule C
Replies: 0
Views: 134

S-Corp to Schedule C

Hello BHers, I've been running an S-Corp with just two employees (me and spouse) for about a decade and after running the numbers for the last two years I'm thinking about switching to a Schedule C structure starting next year. Yes, the S-Corp did save some taxes, but when all said and done it was a...
by crystalbank
Fri Jun 19, 2020 12:48 am
Forum: Personal Consumer Issues
Topic: Etihad Travel Voucher - No Brainer?
Replies: 8
Views: 567

Re: Etihad Travel Voucher - No Brainer?

For myself (who travels a lot) this is not something that I would ever do. And the reason is...? OP, if you haven’t seen the related FT thread, check out https://www.flyertalk.com/forum/etihad-airways-etihad-guest/2019411-travel-voucher-50-bonus-credit.html I am not a regular Etihad (or ME3) flyer ...
by crystalbank
Thu Jun 18, 2020 6:58 pm
Forum: Personal Consumer Issues
Topic: Etihad Travel Voucher - No Brainer?
Replies: 8
Views: 567

Re: Etihad Travel Voucher - No Brainer?

whodidntante wrote:
Thu Jun 18, 2020 6:54 pm
50% discounts are not a sign of desperation at all. They probably just really want to help you. :twisted:
My line of thinking is - It's a junk bond with travel benefit! (May be much more high yield than a typical junk bond but there's lock-in and other risk).
:sharebeer
by crystalbank
Thu Jun 18, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: Etihad Travel Voucher - No Brainer?
Replies: 8
Views: 567

Etihad Travel Voucher - No Brainer?

So someone I know sent me this special offer from Etihad called Travel Voucher. Simply, you buy a voucher (anywhere from $250 to $65k) and Etihad will match it by bumping it up 50%, which can be used to purchase tickets/baggage fees/upgrades or any other airline related charges. You can also use thi...
by crystalbank
Fri Jun 12, 2020 8:10 pm
Forum: Investing - Theory, News & General
Topic: FT: Renaissance hedge fund loses 20% this year
Replies: 10
Views: 1277

FT: Renaissance hedge fund loses 20% this year

Renaissance is usually quoted as an example for a fund that consistently beats the market. Apparently the Covid-19 turbulence wasn't too kind on their Diversified Alpha fund. Not sure if their famed 'Medallion' fund is in the red for this year. FT Article: https://www.ft.com/content/6bd17811-3205-45...
by crystalbank
Mon Jun 08, 2020 10:45 am
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24339

Re: What fun car should I get in the $150k - $200k range?

BruDude wrote:
Sun Jun 07, 2020 9:51 pm
Anything with a turbo engine can’t possibly be the end of the thread.
You sound like a BMW ad campaign in the 90s. An R8 V10 fits the bill, but I'd still take the RS6 Avant in green please :wink:
by crystalbank
Sun Jun 07, 2020 8:57 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24339

Re: What fun car should I get in the $150k - $200k range?

The Audi RS6 Avant is finally coming to the US. Run with the supercars on your way to get bagels, have space to bring more bagels home. https://cnet4.cbsistatic.com/img/6hIB3Oh1aHJZck3duRvjVL-D-Yo=/980x551/2019/11/25/2ba5689d-11fc-4ae5-be9c-f9731789e08c/2020-audi-rs6-avant-025.jpg This is what I wo...
by crystalbank
Sat Jun 06, 2020 3:21 pm
Forum: Personal Investments
Topic: Taxable / Schwab / Bond Allocation Strategy and VCITX + I Bonds
Replies: 27
Views: 1289

Re: Taxable / Schwab / Bond Allocation Strategy and VCITX + I Bonds

I-Bonds are also pretty good, even though I would strongly consider EE bonds at your age (along with Munis). I'm assuming you're saying this because the guaranteed payout at maturity for EEs (if you can wait the 20 years) is a great deal given the alternatives in 2020? Isn't the downside for EEs th...
by crystalbank
Sat Jun 06, 2020 2:09 pm
Forum: Personal Investments
Topic: Taxable / Schwab / Bond Allocation Strategy and VCITX + I Bonds
Replies: 27
Views: 1289

Re: Taxable / Schwab / Bond Allocation Strategy and VCITX + I Bonds

I think this is a solid allocation strategy and Munis have held up pretty well so far. I like Vanguards VCITX (and it's sister fund VCLAX) and was my core taxable bond holding until March this year. I rebalanced it into equities during downturn but expect to gradually accumulate VCITX again. I-Bonds...
by crystalbank
Fri Jun 05, 2020 4:38 pm
Forum: Personal Investments
Topic: Tax Exempt investment for 9 month hold?
Replies: 16
Views: 823

Re: Tax Exempt investment for 9 month hold?

I'm still puzzled why a money market fund wouldn't work here for your situation. Or a CD. A CD might still be better than a tax exempt MMF. It all depends on your tax rate. This calculator is helpful: Peter, Thank you for the link to the thread on Muni funds as well as the tax calculator. I read it...
by crystalbank
Thu Jun 04, 2020 5:38 pm
Forum: Investing - Theory, News & General
Topic: A different approach to asset allocation
Replies: 1498
Views: 711784

Re: A different approach to asset allocation

This is definitely a thread everyone should read. I really appreciate 'market timer' for owning his losses and also the candid assessment of his investing and dare I say personal shortcomings. I'm also very intrigued by the whole Taleb/Knight-Flaneur complex. As a huge admirer of Taleb I too get the...
by crystalbank
Sun May 31, 2020 1:45 pm
Forum: Personal Investments
Topic: An NTSX alternative in taxable?
Replies: 27
Views: 1399

Re: An NTSX alternative in taxable?

From what I understood reading the NTSX prospectus it doesn't technically borrow money to buy 6X leveraged futures. It keeps 10% invested in short term t-bills as a collateral to the futures (whose cost of purchase is included in the TER). Please do correct me if I'm wrong. M1 margin at 2% (after ta...
by crystalbank
Sun May 31, 2020 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Chase reducing credit card limits
Replies: 127
Views: 13317

Re: Chase reducing credit card limits

I received a similar letter yesterday for my Chase Sapphire and they cut my limit by about 50%. It stated that to increase the limit again in the future they'd have to do a credit pull. I'm not necessarily mad at them and I really don't use that card much anyways and don't pay any annual fee.
by crystalbank
Sat May 23, 2020 7:00 pm
Forum: Investing - Theory, News & General
Topic: The Taleb Asness 'debate' in the light of Bogleheads philosophy
Replies: 146
Views: 7286

Re: The Taleb Asness 'debate' in the light of Bogleheads philosophy

Like some one else mentioned earlier in the thread - Taleb got it right in 1987 (the crash which made him Financially Independent), 2008 and the 2020 crash. There is a possibility that he is always short and hence always gets it right whenever the market dives. Maybe, but Taleb was right on the mon...
by crystalbank
Sat May 23, 2020 10:14 am
Forum: Investing - Theory, News & General
Topic: The Taleb Asness 'debate' in the light of Bogleheads philosophy
Replies: 146
Views: 7286

Re: The Taleb Asness 'debate' in the light of Bogleheads philosophy

Taleb is usually right about things and if you can get past his demeanor, he has a lot to offer. I consider him more of the philosopher type rather than investment advisor. I read all his books and he doesn't really preach any particular style of investing. He observes that investors especially in t...
by crystalbank
Fri May 15, 2020 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Email from Vanguard [for a Retail Investor Group consultation]
Replies: 33
Views: 3456

Re: Email from Vanguard

Assuming you weren't already searching for professional financial advice, I'm wondering why you would agree to speak to them. Nothing wrong with doing so, of course, but don't you ignore most advertising e-mails and phone calls, even if they're from businesses that you have a pre-existing relations...
by crystalbank
Wed May 13, 2020 9:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8755

Re: Vanguard Mutual Fund Platform EOL

Nate79 wrote:
Wed May 13, 2020 8:23 pm
Why are you still with Vanguard if you admit that Fidelity and Schwab are better? I was very happy to leave Vanguard for Schwab and don't regret it for a second.
For me, it's mostly due to Wellington. Fido has definitely better customer service/website for sure.
by crystalbank
Fri May 08, 2020 1:49 pm
Forum: Investing - Theory, News & General
Topic: Why doesn't everybody replace SP500 with NTSX?
Replies: 70
Views: 7050

Re: Why doesn't everybody replace SP500 with NTSX?

Half of my taxable is NTSX. Other half is Large Cap/Total Market. NTSX definitely performed better during this crisis and I'm convinced it'll keep up with SP500/TSM even during market rallies. It's highly tax efficient and surprisingly low expense ratio for such a unique financial instrument. So why...
by crystalbank
Tue May 05, 2020 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33558

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Decided to ditch PayPal/Webbank and go with another local Small Business oriented bank. They made me open a bank account along with the PPP application and I submitted a bunch of paperwork today. Still waiting for them to confirm everything and submit to the application to the SBA. I'm not really g...
by crystalbank
Mon May 04, 2020 8:23 pm
Forum: Investing - Theory, News & General
Topic: [Berkshire Hathaway Annual Shareholder meeting]
Replies: 49
Views: 3808

Re: [Berkshire Hathaway Annual Shareholder meeting]

I'm tempted to buy some BRK.B in taxable given the current price. It might still drop a bit and even Warren Buffet seems to think it's likely if you read in between the lines at the annual shareholding meeting. Of course, no one knows how the company will be managed once Charlie and Warren aren't ar...
by crystalbank
Mon May 04, 2020 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Decide on keeping/selling the house
Replies: 22
Views: 2559

Re: Decide on keeping/selling the house

I did the same thing in 2014 . In CA, bought way too much house, overpaid and have a lot of regrets about it. I too sunk all my savings from my High Yield savings account into the house (not a BH back then) and only realized my mistake months later after discovering BH style index investing. BUT, it...
by crystalbank
Fri May 01, 2020 4:22 pm
Forum: Personal Investments
Topic: Starting life over from scratch at 33
Replies: 32
Views: 6300

Re: Starting life over from scratch at 33

WarAdmiral wrote:
Fri May 01, 2020 3:46 pm
Forgot to Mention:
0. A simple path to wealth - JL Collins ( Start with this one)
+1. This is a great book for beginners.

You're debt-free, so you have so much flexibility saving money and reaching your life goals going forward. Good luck!
by crystalbank
Fri May 01, 2020 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33558

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Decided to ditch PayPal/Webbank and go with another local Small Business oriented bank. They made me open a bank account along with the PPP application and I submitted a bunch of paperwork today. Still waiting for them to confirm everything and submit to the application to the SBA. I'm not really ge...
by crystalbank
Thu Apr 30, 2020 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33558

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

FWIW, the identity verification questions seemed to be directly from one of the credit reporting agencies. I had to answer the same things when putting a freeze on our credit a couple of years ago when someone stole my wife's wallet and started getting store credit cards in her name. Maybe you can ...
by crystalbank
Wed Apr 29, 2020 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33558

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

I applied last week via Paypal which took me to loanbuilder. However, when I logged in today it just says: "Your business does not have any open applications or loans at the moment." Is this normal, or does it mean my application never went through? I would assume it never went through. After my ba...
by crystalbank
Mon Apr 27, 2020 12:58 am
Forum: Investing - Theory, News & General
Topic: Taleb Says Portfolios to ‘Blow Up’ Without Tail Hedges
Replies: 43
Views: 4532

Re: Taleb Says Portfolios to ‘Blow Up’ Without Tail Hedges

I don't consider bonds to be 'insurance' even though they provide some cushion. Taleb typically buys long dated puts or some other complex derivatives which he declined to elaborate. It's really hard for retail investors to insure their portfolios though. You might also wanna look up Zvi Bodie's inv...
by crystalbank
Tue Apr 14, 2020 4:25 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 296
Views: 24213

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

schismal wrote:
Tue Apr 14, 2020 6:28 am
YTD:

NTSX: -12.9%

USMV: -17.2%

VTI: -20.8%

VBINX: -11.6%
That's very impressive. It performed close to VBINX during the crash. I think this fund is a keeper. I'll continue accumulating this fund going forward.
by crystalbank
Tue Mar 31, 2020 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Taking SBA Loan When Not Absolutely Needed - Moral Considerations
Replies: 18
Views: 1517

Re: Taking SBA Loan When Not Absolutely Needed - Moral Considerations

I'm in a similar boat - My business did get hammered revenue wise but I'm not bankrupt because of the downturn. I think I'll end up taking the SBA loan if I qualify for it but I'm not really counting on it. BTW how does one apply for it? My local CU doesn't have any info yet.
by crystalbank
Wed Mar 25, 2020 8:21 pm
Forum: Investing - Theory, News & General
Topic: "The market portfolio is the most sensible decision"
Replies: 26
Views: 3205

Re: "The market portfolio is the most sensible decision"

Small Cap funds will likely outperform Total Market going forward because they shed more in this downturn. BUT, I won't be tilting my portfolio with Small Cap. I used to be tilted Small Cap Blend until last month and I used this crash to TLH everything into a total market fund. I realized that havin...
by crystalbank
Tue Mar 24, 2020 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: What have you learned from this situation that you will take action on?
Replies: 158
Views: 14621

Re: What have you learned from this situation that you will take action on?

I learned the following lessons during this crash. I'm still sticking to my AA and didn't capitulate (yet) but there are some hard lessons for me during this crash. 1. Never skimp on your Emergency Fund (EF) and don't use your EF as dry powder and invest it during a dip. 2. Don't put your EF in Muni...
by crystalbank
Sat Feb 29, 2020 11:38 pm
Forum: Investing - Theory, News & General
Topic: Created a Treasury Ladder Today (similar to NTSX)
Replies: 21
Views: 2137

Re: Created a Treasury Ladder Today (similar to NTSX)

Is your ladder leveraged like NTSX? 6X?

What's cost of leverage? I'm curious how you were able to get cheap leverage rates.
by crystalbank
Thu Feb 27, 2020 10:39 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5271
Views: 471465

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

The fund risk is mainly a taxes thing. Either you think that the added benefit of NTSX is worth the tax risk of the fund shutting down, or you don't. Wisdomtree folks really like NTSX, and believe it will be a winner. AUM is now at $47M and steadily increasing. Even if WisdomTree shuts down NTSX, c...
by crystalbank
Wed Feb 26, 2020 12:16 am
Forum: Investing - Theory, News & General
Topic: What to pair with NTSX?
Replies: 223
Views: 15965

Re: What to pair with NTSX?

I know looking at daily returns is a fool's game most of the time. However, today was a bit of a surprise on NTSX price action. Down ~3%, SP500 also down ~3%. The allocation to treasury ladder should have significantly cushioned the drop on the equity side. My concern is that there was some sort of...
by crystalbank
Wed Feb 26, 2020 12:14 am
Forum: Investing - Theory, News & General
Topic: What to pair with NTSX?
Replies: 223
Views: 15965

Re: What to pair with NTSX?

Looks like premium/discount mostly Nav: https://finance.yahoo.com/quote/%5ENTSX-IV/?p=%5ENTSX-IV close at 29.59 down 2.51 Market: https://finance.yahoo.com/quote/NTSX/ close at 29.55 down 3.02 Should average out over time That's a decent spread. So to protect yourself, just buy and sell in reasonab...
by crystalbank
Wed Feb 26, 2020 12:10 am
Forum: Investing - Theory, News & General
Topic: Berkshire Tempting
Replies: 64
Views: 9539

Re: Berkshire Tempting

I think there's significant uncertainty for BRK hence it's undervalued compared to SP500. Someone cited how Apple did very well even after Steve Jobs passing. BRK might also end up similarly, but that is a risk probably priced in to the current price.
by crystalbank
Tue Feb 25, 2020 6:37 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 296
Views: 24213

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

Bought some more today. I noticed that market orders over $25k value, I'm getting very close to NAV. If market drops further, I'm going to TLH other funds into this fund tomorrow.
by crystalbank
Tue Feb 25, 2020 6:34 pm
Forum: Investing - Theory, News & General
Topic: What to pair with NTSX?
Replies: 223
Views: 15965

Re: What to pair with NTSX?

I know looking at daily returns is a fool's game most of the time. However, today was a bit of a surprise on NTSX price action. Down ~3%, SP500 also down ~3%. The allocation to treasury ladder should have significantly cushioned the drop on the equity side. My concern is that there was some sort of...
by crystalbank
Mon Feb 17, 2020 11:55 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Berkey Water Filters
Replies: 20
Views: 1484

Re: Thoughts on Berkey Water Filters

We have a Travel Berkey and the giant Crown Imperial Berkey. We like them and the water tastes pretty decent. The 'filters' apparently are good for years (3000 gallons). Since it's all a steel container, less chance of algae growth (a big issue with our Brita system before). But if you're in CA, you...
by crystalbank
Mon Feb 17, 2020 2:19 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman is my guest on this "Bogleheads on Investing" podcast
Replies: 137
Views: 10075

Re: Paul Merriman is my guest on this "Bogleheads on Investing" podcast

I listened to this last night. Thoroughly enjoyed it and I'm very surprised by some of the posts here. I didn't think Paul was advocating market timing and he himself was not sure if it was a good idea.

His conversations with Bogle about the S&P 500 are very interesting.
by crystalbank
Mon Feb 17, 2020 2:10 pm
Forum: Personal Investments
Topic: Solo 401k at Vanguard not allowing rolling in IRA
Replies: 75
Views: 2866

Re: Solo 401k at Vanguard not allowing rolling in IRA

You can keep it open but all accounts have to be together with the same provider. The 250k threshold is on total assets, not per SSN. I'm not sure how this supports your case. From my understanding the blogpost author was telling the commenter that she can continue her account with the plan but all...
by crystalbank
Mon Feb 17, 2020 1:39 pm
Forum: Investing - Theory, News & General
Topic: We are in the 'ludicrous season'
Replies: 51
Views: 5878

Re: We are in the 'ludicrous season'

S&P 500 was always a bit detached from reality through out it's history, isn't it? May be should I say that the S&P 500 faces the reality a bit later than the other indices? Currently S&P 600 (US Small Cap) is in the ditches and international is going no where. Eventually S&P 500 might face the musi...
by crystalbank
Sun Feb 16, 2020 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to claim HSA investments on my taxes (Cali)
Replies: 21
Views: 1595

Re: How to claim HSA investments on my taxes (Cali)

in terms of interest/dividends received on treasury holdings in my HSA, how do I claim it properly on my taxes? You'll need to file Schedule CA with your California return. On line 1 (Part I, section A), you'll add your $6,000 HSA contribution (or whatever's shown on your W2). If you had interest o...
by crystalbank
Sun Feb 16, 2020 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use plaid.com?
Replies: 37
Views: 4073

Re: Does anyone use plaid.com?

Not the OP, but does Plaid actually store username/password ? That's what I couldn't quite make out from glancing at the API. Of course; all the data aggregation services do, regardless of whether they provide a shiny application to view it or not. I work in this financial software space (including...
by crystalbank
Sun Feb 16, 2020 12:57 pm
Forum: Personal Investments
Topic: What’s up with Vanguard Tax-managed Small Cap VTMSX
Replies: 15
Views: 1720

Re: What’s up with Vanguard Tax-managed Small Cap VTMSX

Small Caps seem to be lagging significantly in the recent years. I have a significant small cap tilt in my portfolio (using VTMSX and IJR) and my portfolio did take a hit in the last two years. BUT, I'm not really worried though. Small Caps are riskier, more volatile but my investment horizon is qui...
by crystalbank
Sun Feb 16, 2020 11:50 am
Forum: Investing - Theory, News & General
Topic: What to pair with NTSX?
Replies: 223
Views: 15965

Re: What to pair with NTSX?

It would have underperformed during periods of rising rates. Between 1950 and 1980 it would have underperformed 90/10 nearly every year by about 0.30% per year before expenses (0.2%) and friction costs (??%). Getting higher risk adjusted returns by using leverage is not a violation of any accepted ...
by crystalbank
Sat Feb 15, 2020 11:29 pm
Forum: Personal Investments
Topic: Solo 401k at Vanguard not allowing rolling in IRA
Replies: 75
Views: 2866

Re: Solo 401k at Vanguard not allowing rolling in IRA

To be clear, I am not saying a business owner can have two i401(K)s open to get additional benefit. All I am stating is that she can have plan #001 and #002 in existence at the same time related to a single business. The tax code will look at both together when applying limits and thresholds. From ...
by crystalbank
Sat Feb 15, 2020 8:35 pm
Forum: Personal Investments
Topic: Solo 401k at Vanguard not allowing rolling in IRA
Replies: 75
Views: 2866

Re: Solo 401k at Vanguard not allowing rolling in IRA

Plus, if it was “prohibited” have two plans at the same time, then moving assets from i401(k) to i401(k) would be programmatic since both would presumably have to open for some frame of time. In fact, since VG does not allow rollovers into i401(k) plans from IRAs or employer plans, that maybe be an...
by crystalbank
Sat Feb 15, 2020 8:14 pm
Forum: Investing - Theory, News & General
Topic: What to pair with NTSX?
Replies: 223
Views: 15965

Re: What to pair with NTSX?

I only explained how to calculate the volatility. If you look at your first portfoliovisualizer link, you'll see that simulated NTSX has almost the same volatility as 90/10. It is extremely dangerous to use portfoliovisualizer to evaluate the returns of bond funds. The reason for this is a massive ...
by crystalbank
Wed Feb 12, 2020 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Having a baby in April 2020 - Whats your best financial advice for a new parent
Replies: 102
Views: 8176

Re: Having a baby in April 2020 - Whats your best financial advice for a new parent

EHEngineer wrote:
Tue Feb 11, 2020 2:07 pm
on a personal note, watch out for the lactation consultants. Some can be quite overwhelming. just my 2c.
Can you explain a bit more about this? I'm curious because our hospital suggested that we might need to consult a lactation consultant after birth if needed.
by crystalbank
Thu Feb 06, 2020 1:55 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 296
Views: 24213

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

nullisland wrote:
Thu Feb 06, 2020 1:35 pm
Out of curiosity, was your limit price inside the spread?
Yes it was. Good to know about the order flow.