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Anyone use them for your business? 3.5% currently for savings. Online only but FDIC insured. Reviews seem to be good. Just checking if anyone has any personal experience using them. Here is a link to site: https://www.liveoakbank.com/

Do a search on your car’s trade in value. You can use KBB.com. If the loan amount is more than your trade in value you are kind of stuck. Might be worth selling the car yourself for more than trade in or sell it to someone like Carvana. You are going to lose if you trade it in for the new car. Dealers love doing that deal. They will put your trade in on the lot after paying off the low interest. Roll any residual amount owed into the new loan at a higher rate and make money off the old car when they sell it to someone else. Other option is to pay down you current loan so you get it down to trade in value and haggle at that point. The dealer probably wants used cars as most manufactures are still backed up and inventory is sparse.

I bought some this morning in finance sector ETF FNCL. Seems like a bet that leans in investor’s favor. Wouldn’t put a huge amount on it, but definitely worth the risk for a portion of portfolio.

OP you could do 80/20 VTI/VYM. That would just be a 100% equities with a dividend/value tilt. Both will go down in a market crash and have a close correlation to each other. Bonds (especially US treasuries) are not as aligned. Overall, 100% equities will be riskier with higher rewards in the end. More compensation for the added risk. The VYM reduces risk some but 20% bonds in place of this should reduce risk more with lower overall return. So yes, you could substitute VYM for bonds but it won’t quite be the same. In your view, how is it specifically that "VYM reduces the risk some"? I agree with you, but I'm trying to wrap my head around WHY specifically. Not a lot of difference between performance of VTI and VYM. Short history t...

OP you could do 80/20 VTI/VYM. That would just be a 100% equities with a dividend/value tilt. Both will go down in a market crash and have a close correlation to each other. Bonds (especially US treasuries) are not as aligned. Overall, 100% equities will be riskier with higher rewards in the end. More compensation for the added risk. The VYM reduces risk some but 20% bonds in place of this should reduce risk more with lower overall return. So yes, you could substitute VYM for bonds but it won’t quite be the same.

Lots of snow at elevation currently. Unstable and dangerous conditions in the back country. There might even be snow in the lower desert areas. Snowshoeing on groomed trails or cross county skiing would probably be a better use of your time than hiking. Moab might be good right now. Mountain biking in Fruita? Alpine skiing is great right now!

If you hang out at the track after the COTA race days they usually have some big name act performing in their amphitheater. Track is pretty large and there is also a soccer pitch for the USL team. Bring your walking shoes! If you can get seats at the top of turn 1, do that. I like all of the seats past turn one on the hill good view from all of those. Usually a lot of passing happening around those areas too.

See if there is a good package with hotel, tickets, and transportation. They do run shuttles from downtown too. I have either used the shuttle or took an Uber. The shared ride drop off is a long way from the track but there were rickshaws that can run you to the track gates. If driving to track, get reserved parking and get there early on race day. Have fun!

alpenglow wrote: ↑Sat Mar 04, 2023 5:43 pm Can you trade these at Schwab? I've been considering opening a brokerage link with my 457 at Schwab to have access to better bond fund/ETF options. Unfortunately, I can't buy treasuries directly with that option. XONE would be an ETF that I would fit my needs. Right now I have treasuries in my taxable account which isn't the most tax efficient choice. Thanks.

Yes, has worked in my Schwab IRA.

Good update! Got a tracking number for the title and docs so I can finally register the car. Contact said they are working on getting checks for the taxes and fees that I paid them. Hope that they actually get that to me. Anyway good to have issue resolved.

So the basic idea is to shift your holdings to keep your AA balanced AND have the least amount of risk and/or tax consequences. This exercise could get complicated if you have several types of accounts. Are there times where this strategy does not work so well? Or does it almost always make sense to keep your overall AA the same? We’ll exclude 529 as this not really the same animal. How about with an HSA if you intend to use it for medical expenses once retired? ChinchillaWhiplash, It will be a lot simpler than whatever that you are doing now. And, more tax efficient too. If you are interested, provide us with your details. KlangFool Thanks for the offer Klang but this was more of a theoretical question than applying it to an actual portfo...

It is pretty new and not heavily traded yet. Maybe they have some safeguards in place to protect an investor? I bought some today with TDA account. I would inquire and see what they say. Could just be a glitch or something.

So the basic idea is to shift your holdings to keep your AA balanced AND have the least amount of risk and/or tax consequences. This exercise could get complicated if you have several types of accounts. Are there times where this strategy does not work so well? Or does it almost always make sense to keep your overall AA the same? We’ll exclude 529 as this not really the same animal. How about with an HSA if you intend to use it for medical expenses once retired?

For those who have multiple holdings in multiple types of accounts, does it make sense to look at all of your portfolio with one asset allocation? It seems like a bucket approach would be better. Each type of account might have a different timeline for when you are going to use it. For example 529 should be treated as a retirement account in the aspect that you hit retirement at the time of starting college. So for this “bucket” you would need to go conservative around your kid’s freshman HS year to avoid sequence of returns risk. Same applies to HSA if you might use it for Medicare gap coverage expenses. Same goes for IRA and 401k over Roth. And then there is taxable accounts which also might be used or needed at a different time. Not all ...

Looks like VROOM is in a similar financial state. Not sure if they have interest payments due like Carvana but they probably do. Have read people’s reviews with similar issues as purchasing from Carvana. I guess that business model didn’t work out so well. Unfortunate since it is a very convenient way to purchase a car. Especially for someone who does not have a lot of dealers to choose from.

MV enforcement sending 45 day temp tag extension. Carvana supposed to send a check for $500 to help cover rental. No tracking #. Hope it shows up. Still no word on when title will be shipped Will a dealer buy this car? Maybe they can get the title from them. I can show them the picture of it that Carvana sent me. This nice car is leaving a very bad taste in my mouth and I need something to drive! Getting desperate

I use XHLF. Similar fund with ER .03. Park money in here for estimated quarterly taxes. You can time the pricing each month based on the Ex-date. Here is info on it: https://bondbloxxetf.com/bondbloxx-bloo ... asury-etf/

Was contacted by agent for state mv enforcement. Said that Carvana is about as cooperative with them as they are with me. The dealer vending place I purchased from is closing up. Looks like Carvana is on its last leg and will be imploding soon. I sure hope I can get my title before the [abbreviated profanity removed by moderator oldcomputerguy]. DO NOT BUY FROM CARVANA!

Just got an email from Carvana with an attached image of the title in their name. It is titled in a different state than where it was purchased which is also different than where I live. They say they are still getting the paperwork together to send to me. I can’t understand why they are taking so long?

Will be able to get a temp tag extension in about a week from the MV department for the state of purchase. Filed a formal complaint and they will open a case to retrieve the title. I don’t know why Carvana couldn’t have got an extension on the tags but they told me they were unable to. Seems like they have good cars and a good service until it’s time to register the car. At this point in the process it is complete chaos

I am happy with the car. Not happy with their registration process. Afraid they might go under before I get a title which would make my nice car basically useless. Have filed an official complaint with the AG. Hopefully that will get some results soon.

I’m still trying to get title for my car. Temp plate has been expired for over 1 month. Not sure what to do. Will have to pay a late fee for registration. Don’t have a vehicle to drive regularly. Have threatened them with civil action. Unfortunately purchase was made out of state. Was also promised over phone that they would FedEx $500 check so I could get a rental. They are just giving me the run around and stalling. I asked for proof that they actually hold the title currently. Can I force them to give me my money back if they don’t have the title? Any ideas of how to proceed?

T bills are already free money. I’m making 4.8% right now. I don’t have an opinion on your strategy other than to be really careful when you think you’ve found a loophole to beat the market. That’s about exactly when the market likes to teach you a lesson. Too bad inflation is more than 4.8%. Also you are being double taxed on the income unless it is in a tax sheltered account. Think about it. You loan government money with taxed $’s. The gov pays you interest with tax $’s. You pay taxes on the interest payment. You are not making 4.8% on treasuries :beer what does this have to do with the OP? Either way, Real returns are a lot lower on market losses or cash in the mattress. It doesn’t really have anything to do with the OP. Just clarifyin...

the_wiki wrote: ↑Sat Feb 11, 2023 12:38 pm T bills are already free money. I’m making 4.8% right now.



I don’t have an opinion on your strategy other than to be really careful when you think you’ve found a loophole to beat the market. That’s about exactly when the market likes to teach you a lesson.

Too bad inflation is more than 4.8%. Also you are being double taxed on the income unless it is in a tax sheltered account. Think about it. You loan government money with taxed $’s. The gov pays you interest with tax $’s. You pay taxes on the interest payment. You are not making 4.8% on treasuries

Carvana rejected VIN inspection #2 from a different officer at the police department. I was told by the nice lady at vending machine that Carvana were sticklers for having the VIN inspection filled out perfectly. She was not kidding. Anyway they said that they would send the title to me directly so I could do a self registration. Hopefully they will give me my tax money that was included in the sale so I can pay when I apply for tags. Not getting my hopes up at this point. Might have to take them to small claims court at this rate.

Want to file an official complaint with AG for not being able to register my car after purchase from Carvana. My temp tags have been expired for almost 1 month. Car is paid for in full and not able to get a title to register so I can drive it. Not sure which state to file with. Live in a different state than where I had to go to pick up the vehicle. Do I file in my state of residence where car would be registered, adjacent state where I purchased the vehicle from, the state where Carvana is headquartered, or all of the above? Never had to do anything like this before. Might need to file one with Bosch for our dishwasher that failed within 1 year. Was fixed under warranty. Broke again. Fixed and failed again. Tried to get Bosch to replace it...

Side question: how is NAV determined for a pot of not very liquid holdings and are the given numbers an accurate representation of their value

Thanks for all the great replies and useful info. Gives me something to ponder

You can join me in PDO but will have missed out on multiple 10 - 13% discount to NAV opportunities to buy units from June 2022 through Dec 2022, + an additional .96/unit distribution in late December, I loaded up in 2 Roths and an HSA. Trading at about a 4% premium recently. Believe it is a much better opp than what you are contemplating, even with PDO employing ~ 50% leverage. It was trading at $22+ per unit and dropped hard in June as low as the 12's multiple times in 2022, up around $14.xx now. Definitely not Boglehead'ish but I have a lot of T's, TIPS, etc as well. https://www.pimco.com/en-us/investments/closed-end-funds/dynamic-income-opportunities-fund Have to watch that one to trade at a discount. That leverage amount seems risky an...

Beensabu wrote: ↑Tue Feb 07, 2023 12:40 pm The EFT is less than a year old and offered by a company founded in 2021... Kind of sounds like asking to lose your money.

Looks like they have some good brains behind their products. Most came from Blackrock and they focus only on bonds. Kind of a new cost efficient, indexed, ETF alternative to PIMCO. I like their Treasury ETFs and own some of them. https://bondbloxxetf.com/wp-content/upl ... INAL-1.pdf

What would say about an actively managed ETF with a 30 day SEC yield of 13.29%? Consists of Corporate Junk bonds with CCC ratings. This fund has an ER of 0.40. Holds over 100 securities. I think this might compensate enough for the risk to be worth throwing a little money into for a few years. I would think the risk would be minimized somewhat by the active management and diversification with holdings. Ticker is XCCC. Here is a link to its fact sheet: https://bondbloxxetf.com/bondbloxx-ccc-rated-usd-high-yield-corporate-bond-etf/ Even trades at a discount on occasion. At least it will beat inflation and will probably rise in value with the market. Seems to be less volatile than the overall market too. It looks like it tracks index, which b...

IBD probably basis their predictions purely on technicals. The founder “became rich” by finding “cup and handle” patterns in stock charts. Think they sell their services in the form of investment seminars, news letters/stock tips, books. If these stocks do do well, it will be based on luck.

burritoLover wrote: ↑Tue Feb 07, 2023 11:27 am Carvana is in there. yikes.

Yeah, that one might default soon. They do have a lot of inventory though and in a liquidation the bond holders get paid 1st me thinks. Might take years of litigation to get it.

Talked to my lender and they sent me a proof of payment in full letter. Sent to Carvana and asked them to send the title to me directly in addition to a refund of registration fees so I can do the registration myself. Will see what happens. Their registration people seem to be completely incompetent. Won’t ever buy from them again unless they can provide a title at time of purchase. One other bad thing they did is require you to purchase an extended warranty from them. Seems illegal. I canceled as soon as I got the car home and was refunded quickly. They don’t make cancelling intuitive so I’m sure they make some money from this. If you don’t cancel right away they pro-rate the refund.

It is generally said that if you take risk you need to be adequately compensated. I’m basically asking if this seems like adequate compensation. Also not really looking at this as an investment. Just a place to park a portion of your savings that you might use within 5 years.

What would say about an actively managed ETF with a 30 day SEC yield of 13.29%? Consists of Corporate Junk bonds with CCC ratings. This fund has an ER of 0.40. Holds over 100 securities. I think this might compensate enough for the risk to be worth throwing a little money into for a few years. I would think the risk would be minimized somewhat by the active management and diversification with holdings. Ticker is XCCC. Here is a link to its fact sheet: https://bondbloxxetf.com/bondbloxx-ccc- ... -bond-etf/ Even trades at a discount on occasion. At least it will beat inflation and will probably rise in value with the market. Seems to be less volatile than the overall market too.

Corsi-Rosenthal box. 4 filters, cardboard, box fan, and duck tap. Super filtration system. https://agcenter.ucdavis.edu/news/corsi ... fire-smoke

I just checked the tracking # for the VIN inspection. Was an overnight label but it was delayed and has not arrived at its destination. Guessing the ice storm had something to do with it. Fedex has some crazy routs too. CO to Memphis to AZ. They might need to work on their logistics. Will give Carvana a few days to process this once it arrives. If they still won’t fix everything, I will file a complaint with the AG’s office for state where purchased. They have issued me an agent that I deal directly with. Interactions have been via chat, txt, and phone calls. Have had lots of correspondences with them in the last month. Wish I would have done more homework on them, but never thought that a company could be so bad :oops: Have only heard the ...

Yes. They said to see if the dealer could issue another plate. Which took me back to Carvana. Carvana said they are not able to in my state.

Would love to take it back but can’t drive it the 5.5 hrs back to Carvana (expired tags). I live too far away from their distribution center so had to pick it up from a vending machine. Another problem is that the car is nice and fairly hard to find with full service history and low milage. I could try and find something else similar but my wants and needs are hard to meet. Not many options for AWD, V6 powered, luxury full size sedan, < 60k miles, and a price under $25k.

Bought a car from Carvana on 11/30/22. Used a 3rd party car loan. Purchased car from neighboring state. Carvana gave temp tags and registration which expired on 1/13/23. Fully paid off car last month. Have jumped through hoops because Carvana keeps needing more paperwork. Now after temp tags expired Carvana says they needed another state VIN inspection since the 1st had errors. Sent them a new one after having to drive the car illegally to have it done. They sent a prepaid fedex label to ship it. That was 4 days ago. Still waiting on processing for registration. They can’t issue another temp plate for my state. Now have $22k of useless metal sitting in the garage. Really need this car as I’m stuck driving my son’s car. Have to drive him to ...

Just starting to think about SRR mitigation for retirement. Want to build up fixed income holdings starting in a few years (5 years before retirement). So total time frame of needed income would be for 5 years roughly. This would just be insurance against an equities crash. These ETFs have .5, 1, 2, etc year options. Just seems a lot easier than buying individual holdings with a little less risk too

Seems like the offerings of this firm would be a good way to create a ladder of Treasury notes, bills, and bonds without having to buy individual notes, bills, and bonds. Any reason that these would not work? ERs are low and would be more diversified with much less hassle. https://bondbloxxetf.com/products/

If you are the type of investor who wants to buy more shares when the market is down knowing that it will lower your overall cost per share, thus making you more money later in life. You should be 100% or close to it in a diversified equities portfolio. Otherwise have some cushion with short term treasuries or something. You do need to scale back when close to retirement with some safe fixed income to mitigate sequence of return risks. Need several years worth of stable income right before and a few years after initial retirement in case the market tanks. That way you won’t have to sell equities at a low price or loss. If you have to sell during a crash you have a good chance of running out of money later on.

Normally (based on past performance) it is better to lump sum it or just buy when you have funds available. Unfortunately know one knows what the future holds. Might do better in current market buying on down days. There seems to be a lot of volatility and it might stay this way for the foreseeable future. But that is not guaranteed. If you have a long time horizon for buying (10 or so years or more), it probably won’t make much difference on how you buy it.

[Thread merged into here --admin LadyGeek] SP500 went from 2200 to around 4750 in a spa that started 3/24/2020 to 11/19/2021. From the bottom to top was an increase of roughly 215%. Could this be considered a bubble at this point? Has there been any time in the history of the SP500 where the the market has risen so quickly? This is supposed to be a forum where “theory” can be discussed, so I’m trying to engage in a discussion on theory. Please stick to the question on topic and try and answer my questions. My theory is that the SP500 was way over inflated based on how quickly it went up and how high it went up. Mainly due to outside factors such as free money being pumped into the economy. Valid or not valid, that is my question :beer

If you look at the SP500 from March 2020 lows to highs hit in less than 2 years, there was an increase in value of about 50%. A large portion of this was fueled by Fed interactions and stimulus money. I haven’t looked back past this, but it seems like one of the largest bubbles ever. Have there been other meteoric rises that were greater than this period in the S&P500? Currently SP500 is only around 10% off it’s all time high. Is it still over inflated? Or is it actually not inflated when you take inflation into consideration? Sorry lots of questions in there. I don’t plan on changing anything investment wise. Just curious.

Has anyone done a comparison on different 3x ETF’s structure to see if one might be “safer” than another? Specifically looking at UPRO vs SPXL. Also would these be something that you could use as TLH partners? Their composition is very different but they are trying to accomplish the same goal of 3x daily SP500 returns. Would this be deemed as essentially identical?

For anyone that has been to Daytona recently, can you hear the PA announcer over the cars there? Would it be recommended to get the head sets for broadcast while sitting up in the stands?

Real world example: SCHD vs SCHG. Both US Large Cap equities. One focuses on dividend and quality. One on growth. YOY share price performance: SCHD = -3.5%, SCHG = -22.2%. Dividend payout: SCHD = 3.39%, SCHG = 0.55%. If you put $10k into each fund exactly one year ago SCHD holdings is worth $9650, SCHG = $7780. So if you reinvest the dividend back into each fund which one is worth more? It seems like a great time to put the higher divided from SCHG as well as reinvest its own dividend. You would still hold the same amount of SCHD and more of SCHG at a lower average cost per share. If the market turned around for the better and SCHG goes up more than SCHD, put the reinvestment back to SCHD from both funds and you will have more high dividend...