Search found 270 matches

by SagaciousTraveler
Mon Jul 01, 2019 2:14 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 233
Views: 21103

Re: 2019 Hedge Fund Contest

Please freeze MHK. Calling a top as all my longs are frozen.
by SagaciousTraveler
Tue Apr 16, 2019 7:31 am
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 233
Views: 21103

Re: 2019 Hedge Fund Contest

Please freeze COHR and USCR.

Thank you.
by SagaciousTraveler
Tue Mar 26, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4116
Views: 1174695

Re: What Book Are You Currently Reading? Part VI

The Raven Tower by Ann Leckie.
by SagaciousTraveler
Mon Mar 25, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: DirecTv Now changes
Replies: 32
Views: 2735

Re: DirecTv Now changes

It is my understanding that no one is being grandfathered. I mean yes you can keep your plan but everyone’s price is increasing. Yeah I meant the channel lineup not the price as a new customer can no longer get the old channel packages. However the option to get $5 HBO added to the grandfathered pa...
by SagaciousTraveler
Mon Mar 25, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Leadership literature or advice
Replies: 12
Views: 1017

Re: Leadership literature or advice

Great suggestion. I will look into this.

Another suggestion that was given to me outside of this forum was:

It Worked for Me: In Life and Leadership by Colin Powell
by SagaciousTraveler
Mon Mar 25, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: New Fridge?
Replies: 28
Views: 2651

Re: New Fridge?

We bought an LG via Costco and are satisfied. Using Costco and their Credit Card we were able to get a 4 year warranty on it. I will admit that we had issues with the ice maker within the first week but I contacted Costco and they did all the work to get a technician out to fix it. Since then, we've...
by SagaciousTraveler
Sun Mar 24, 2019 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149390

Re: Using Fidelity Cash Management as my only bank account

I did this about 9 months ago and am kicking myself for not doing it sooner. It has simplified a number of things, allowed me to eliminate accounts at other institutions and I have yet to encounter a situation where I felt like I was missing out on anything. Transfers are instant to my Fidelity inv...
by SagaciousTraveler
Sun Mar 24, 2019 6:26 am
Forum: Personal Consumer Issues
Topic: Leadership literature or advice
Replies: 12
Views: 1017

Re: Leadership literature or advice

I strongly recommend Leadership Lessons of the Navy Seals by Jeff Cannon and Jon Cannon. The full title is: Leadership Lessons of the Navy SEALS: Battle-Tested Strategies for Creating Successful Organizations and Inspiring Extraordinary Results It is a short read (~4 hours as an audiobook) and it v...
by SagaciousTraveler
Sun Mar 24, 2019 6:25 am
Forum: Personal Consumer Issues
Topic: DirecTv Now changes
Replies: 32
Views: 2735

Re: DirecTv Now changes

macheta wrote:
Sat Mar 23, 2019 8:55 pm
Blerd Vision Now
400+ channels for $30 per month

This can’t possibly be legal.

This feels like a version of those cable boxes you pay a one time fee for every possible pirated channel.

Also the lack of information on it is a red flag.
by SagaciousTraveler
Sat Mar 23, 2019 7:32 am
Forum: Personal Investments
Topic: Tax Exempt Bonds as a Diversifier?
Replies: 41
Views: 2350

Re: Tax Exempt Bonds as a Diversifier?

I use the Fidelity® Ohio Municipal Income Fund (FOHFX) not so much as for diversity but for shorter term savings goals (ex: buying a car) instead of leaving it in the Fidelity® Government Money Market Fund (SPAXX).
by SagaciousTraveler
Sat Mar 23, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: DirecTv Now changes
Replies: 32
Views: 2735

Re: DirecTv Now changes

Even with the $10 increase I think it is still provides the most channels we watch for the least cost. $50/month grandfathered Go Big + $5 HBO = $55/month. What channels do you actually watch? Our main channels are : Discovery (HGTV & TLC) Viacom (Nick Jr., Comedy Central) A&E MTV Disney Junior MSN...
by SagaciousTraveler
Sat Mar 23, 2019 5:18 am
Forum: Personal Consumer Issues
Topic: DirecTv Now changes
Replies: 32
Views: 2735

DirecTv Now changes

Good morning, With DirecTV Now switching to plans that offer less channels for more money, we have begun looking around for another service. We are aware that we can be grandfathered in with our current package but at a $10 a month increase. This is disappointing to us as we were early adopters of D...
by SagaciousTraveler
Sat Mar 23, 2019 5:10 am
Forum: Personal Consumer Issues
Topic: Leadership literature or advice
Replies: 12
Views: 1017

Re: Leadership literature or advice

Thank you all for taking the time to respond. The list you provided is very helpful.
by SagaciousTraveler
Fri Mar 22, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Leadership literature or advice
Replies: 12
Views: 1017

Leadership literature or advice

Good afternoon, I will be transitioning into a supervisory position and am looking for any good leadership books or general advice. Some background: -Supervising 9 software developers. -Served as their team lead for a few years. -Located in three different cities (longest being six hours away). -All...
by SagaciousTraveler
Thu Mar 21, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4116
Views: 1174695

Re: What Book Are You Currently Reading? Part VI

The Brain: The Story of You by David Eagleman.

Wonderful and insightful. He presented a very clean and easy way to understand the complexity of our Brain.
by SagaciousTraveler
Thu Mar 21, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: A 23% increase from ATT Wireless
Replies: 84
Views: 6832

Re: A 23% increase from ATT Wireless

Use mint mobile, which is also based on T-Mobile network. 12GB LTE data for 25 dollars a month, unlimited talk text. You just have to pay in advance. Don't forget to unlock your phone and get your old account number before you switch. +1 Love Mint Mobile. Took our monthly bill down from $110 at T-M...
by SagaciousTraveler
Thu Mar 21, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Minivan or SUV?
Replies: 24
Views: 1831

Re: Minivan or SUV?

We (family of 4) bought a three year old AWD Highlander and love it. However we rarely use the 3rd row. Its a bit tight for adults but the kids fit well. The hitch and roof rack really works for us when traveling. Tows really well. We aren't mini van people but they do have some wonderful features w...
by SagaciousTraveler
Thu Mar 21, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: When is it time for a new smartphone?
Replies: 66
Views: 4529

Re: When is it time for a new smartphone?

I'd recommend Moto G series or X4 for the OP. I've had the Moto G5 Plus for 1.5 years and love it. I am a converted Iphone user. With that said the Moto G6 and Moto 67 look great. You'll pay less than $250 dollars. I've hear great things about One Plus. However this starts at $549 (6T) is meant for...
by SagaciousTraveler
Mon Mar 18, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4794
Views: 1249749

Re: What Movie Have You Recently Watched?

Triple Frontier. Enjoyed it.

Fantastic Beasts: The Crimes of GrindelWald. I really enjoyed it but my wife became lost. She felt unless someone is really keen on the details of the HP universe, certain things were not apparent.
by SagaciousTraveler
Mon Mar 18, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: How Important is a Credit Score?
Replies: 86
Views: 4367

Re: How Important is a Credit Score?

There is impact to having a good score but it is minor. But you can have a great score without any debt. If you keep no balances on your credit cards that's good enough. The value of a credit score is way over hyped. Guess it's a way for broke people to feel better about their financial position. I...
by SagaciousTraveler
Mon Mar 11, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4116
Views: 1174695

Re: What Book Are You Currently Reading? Part VI

On a science fiction/fantasy kick. The Black Prism by Brent Weeks. Really enjoyed it and will continue on to the next book The Blinding Knife . Also finished The Fellowship of the Ring by J.R.R. Tolkien. As a gift I received all three books and have always wanted to read them. They are definitely a ...
by SagaciousTraveler
Mon Mar 11, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4794
Views: 1249749

Re: What Movie Have You Recently Watched?

thewizzer wrote:
Sun Mar 03, 2019 1:53 am
Paddleton, on Netflix. Starring Ray Romano.

It was a really, really good movie. Dealt with friendship and end-of-life issues. Had me laughing and holding back tears equally. Highly recommended.
Just finished Paddleton as well. Very good movie.
by SagaciousTraveler
Sat Mar 02, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: What do you do to relax just after returning from work
Replies: 80
Views: 12695

Re: What do you do to relax just after returning from work

I get 30 minutes on the bus/car before I enter my house full of energized kids.

That 30 minutes constitutes either a nap, Netflix or a Book.

I love that 30 minutes.
by SagaciousTraveler
Wed Feb 20, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: purchasing new furnace tips
Replies: 35
Views: 1942

Re: purchasing new furnace tips

I am also looking for a new furnace. I talked with my friend who owns his own heating and cooling company. In a nutshell the manufacturing is the same for each name brand furnace you see out there.

I'll probably buy mine through Costco as my friend doesn't live in the same state.
by SagaciousTraveler
Sun Feb 17, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: when Spectrum internet promo rate expires
Replies: 7
Views: 1151

Re: when Spectrum internet promo rate expires

We are in the same boat. Right now in Northeast Ohio we are paying $65.99 for 100mbs. There isn't much competition around here and to be honest their internet is very reliable and doesn't have a data cap. With that said, I check now and again for their Stream/Choice TV bundled with internet. Right n...
by SagaciousTraveler
Sun Feb 17, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Streaming TV services
Replies: 40
Views: 3565

Re: Streaming TV services

We have used Direct TV Now for about 10 months. PROS: -Probably the most robust channel lineup out there and on par price wise with everyone else. -HBO is only $5 more. CONS: -We have issues now and then with our Apply 4k TV where we are told the content is not available. We do a quick restart and i...
by SagaciousTraveler
Sun Feb 10, 2019 6:26 pm
Forum: Personal Consumer Issues
Topic: Mint Mobile feedback
Replies: 27
Views: 2599

Re: Mint Mobile feedback

Thanks for the info. I’m considering switching but not totally sure. Group text messaging not working would be a problem for us. Has anyone else encountered the same issues as LSLover of group texts not going through? At first my messages to the group were sent individually. However after a quick s...
by SagaciousTraveler
Sun Feb 10, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: Mint Mobile feedback
Replies: 27
Views: 2599

Re: Mint Mobile feedback

It looks like Mint Mobile is offering a great deal right now - $20 for 8GB for 3 months to try out the service (so around $7/month). After 3 months, there is the option to buy another 12 months for $240. I’m thinking of switching from Cricket Wireless. The cost with Cricket for 2 lines for 15 month...
by SagaciousTraveler
Sun Feb 10, 2019 3:45 pm
Forum: Investing - Theory, News & General
Topic: TSP G Fund: Considered Bonds or Cash
Replies: 25
Views: 1383

Re: TSP G Fund: Considered Bonds or Cash

For my retirement investment plan, the G Fund currently acts as my fixed income allocation. I don't have a cash allocation for my retirement investment plan.

For my taxable investment plan (brokerage), I do. However, it's not really cash but money market.
by SagaciousTraveler
Sun Feb 10, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Mint Mobile feedback
Replies: 27
Views: 2599

Re: Mint Mobile feedback

I just switched 2 iPhones with AT&T to Mint, one on the 3GB plan and the other on the 8GB plan commensurate with past use. On AT&T we paid about $120/month (wife gets a 25% discount though her work w/AT&T). With Mint I paid up front ~$420 for 12 months. That is a savings of over $1000 per year. I f...
by SagaciousTraveler
Sun Feb 10, 2019 10:22 am
Forum: Personal Investments
Topic: What do you use for your bond exposure?
Replies: 47
Views: 3657

Re: What do you use for your bond exposure?

G FUND in the TSP.

8% of our holding.
by SagaciousTraveler
Sat Feb 09, 2019 7:15 am
Forum: Personal Consumer Issues
Topic: Mint Mobile feedback
Replies: 27
Views: 2599

Re: Mint Mobile feedback

I recently switched from T-Mobile to Mint Mobile and have thus far been very happy and impressed. Details: T-Mobile (old plan): 2 lines, unlimited data 110 a month. Mint Mobile: 2 lines sharing 8 GB data. We took advantage of the current promo and spent around $50 for the next 3 months. We have the ...
by SagaciousTraveler
Wed Feb 06, 2019 2:28 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 298557

Re: HEDGEFUNDIE's excellent adventure [3x leveraged ETF strategy]

I noticed both funds do not pay out dividends. We know that in the long run a large proportion of the returns from holding stocks come from dividends (which makes sense in a theoretical sense - a share is the right to a stream of dividend income at some point in the life of the company). This strat...
by SagaciousTraveler
Wed Feb 06, 2019 12:58 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 298557

Re: HEDGEFUNDIE's excellent adventure [3x leveraged ETF strategy]

HedgeFundie isn't using margin. With that said, I would hope Bogleheads wouldn't use margin to buy leveraged ETFs. The SEC increased the margin requirements on leveraged ETFs years ago, so you don’t get much if any margin on them even if you wanted. https://www.finra.org/sites/default/files/NoticeD...
by SagaciousTraveler
Wed Feb 06, 2019 11:55 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 298557

Re: HEDGEFUNDIE's excellent adventure [3x leveraged ETF strategy]

For those that are upset or concerned, is this any different than leveraging real estate? Although it is not exactly the same, if I were to buy a rental property with a traditional loan, that would be roughly 5x leverage, with arguably MORE risk. How would this be any different than OP purchasing a...
by SagaciousTraveler
Wed Feb 06, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Home Warranty
Replies: 27
Views: 1607

Re: Home Warranty

Hello Boglehead community! So I am in the process of purchasing my first home and it is causing me much anxiety. It was built in 92' and has original tile roof as well as original AC and Water Heater. I am aware that I will have to repair the water heater and AC as well as resurface the pool (7k to...
by SagaciousTraveler
Wed Feb 06, 2019 8:51 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 298557

Re: HEDGEFUNDIE's excellent adventure [3x leveraged ETF strategy]

Hello, I noticed both funds do not pay out dividends. Could this strategy be affective in a taxable account? My initial reaction is no because you would still need to rebalance quarterly thus triggering short/long term capital gains. I ask because I have two different investment plans between taxab...
by SagaciousTraveler
Wed Feb 06, 2019 7:51 am
Forum: Personal Investments
Topic: Don't File Too Early
Replies: 47
Views: 6430

Re: Don't File Too Early

The goal should be a refund of 0. I look it as failure if I get a refund. So filing to me is as close to the deadline as possible. I try but right now it can't happen for us. The IRS says I should claim 13 allowances but our HR System only allows 10. So for now, I file early to get our money and to...
by SagaciousTraveler
Wed Feb 06, 2019 7:44 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4794
Views: 1249749

Re: What Movie Have You Recently Watched?

Solo: A Star Wars Story , on Netflix. It's the best Star Wars movie I've seen in quite some time. I liked it. I too enjoyed it. I understand the Star Wars fatigue which caused it to 'bomb' at the box office but the movie was very good. If you enjoy Sci-Fi, give Annihilation a shot. If you enjoy rea...
by SagaciousTraveler
Wed Feb 06, 2019 7:38 am
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 11662

Re: How much do you keep in checking?

Maximum of $50. I move money into my Fidelity CMA when we are ready to use BillPay, write a check or use the ATM. Why? After much back and forth with Fidelity, they refuse to reduce our debit card transaction limit to $0 or $1 (we don't use the debit side of the card, ATM only). I understand Fideli...
by SagaciousTraveler
Wed Feb 06, 2019 7:35 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 298557

Re: HEDGEFUNDIE's excellent adventure [3x leveraged ETF strategy]

Hello, I noticed both funds do not pay out dividends. Could this strategy be affective in a taxable account? My initial reaction is no because you would still need to rebalance quarterly thus triggering short/long term capital gains. I ask because I have two different investment plans between taxabl...
by SagaciousTraveler
Fri Feb 01, 2019 9:30 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 191
Views: 58702

Re: NE Ohio (Cleveland Area) Master Thread

Has a February date been picked?

Thank you.
by SagaciousTraveler
Fri Feb 01, 2019 9:25 am
Forum: Investing - Theory, News & General
Topic: [Seeking Alpha: The Dark Side Of John Bogle's Legacy]
Replies: 73
Views: 7600

Re: The Dark Side Of John Bogle's Legacy - Seeking Alpha

livesoft wrote:
Fri Feb 01, 2019 9:22 am
SagaciousTraveler wrote:
Fri Feb 01, 2019 9:17 am
Not sure where the Dark Side comes into play.
The dark side is that "Us sales reps won't make as much money as we used to make before Jack Bogle came on the scene."
Ah. The whole how am I supposed to feed my kids with a pontoon boat instead of a yacht thing.

So very dark.
by SagaciousTraveler
Fri Feb 01, 2019 9:17 am
Forum: Investing - Theory, News & General
Topic: [Seeking Alpha: The Dark Side Of John Bogle's Legacy]
Replies: 73
Views: 7600

Re: The Dark Side Of John Bogle's Legacy - Seeking Alpha

Not sure where the Dark Side comes into play.

Admiral shares fee for VBTLX is .05%.

I will gladly pay that (and trading fees) instead of investing a great deal of time and effort to research, purchase and sell in a portfolio of individual bonds.
by SagaciousTraveler
Fri Feb 01, 2019 9:12 am
Forum: Personal Investments
Topic: What do wise people do with 401(k) balances?
Replies: 35
Views: 4853

Re: What do wise people do with 401(k) balances?

Unwise people would take the distribution, head to a casino and place it on black.

...then again in hindsight, if they win, would they be considered wise?

Sorry, the whole wise thing prompted me to contribute something silly.
by SagaciousTraveler
Fri Feb 01, 2019 9:05 am
Forum: Personal Investments
Topic: Stock loss write off
Replies: 5
Views: 214

Re: Stock loss write off

Incase you don't read livesoft's Schedule D information, you'll need to differentiate between Long-Term and Short-Term gains/losses. Losses on your investments are first used to offset capital gains of the same type. So short-term losses are first deducted against short-term gains, and long-term los...
by SagaciousTraveler
Fri Feb 01, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 11970

Re: Were you 100% debt free at retirement

Zero debt for us. I understand the whole idea of playing the difference between a 0% Car loan and a CD/savings account. However, I've read enough horror stories about servicers playing games. Is this always the case? Most likely not, but I don't want to spend the time verifying that each payment was...
by SagaciousTraveler
Fri Feb 01, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 11662

Re: How much do you keep in checking?

Maximum of $50. I move money into my Fidelity CMA when we are ready to use BillPay, write a check or use the ATM. Why? After much back and forth with Fidelity, they refuse to reduce our debit card transaction limit to $0 or $1 (we don't use the debit side of the card, ATM only). I understand Fidelit...
by SagaciousTraveler
Tue Jan 29, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Received my IRS refund already
Replies: 3
Views: 735

Re: Received my IRS refund already

Congratulations! But I have some evil thoughts: Will you be the first to get a CP2000 letter from the IRS this year? Will you be the first to ask how to amend your return? Sorry. :D Nah, for me calculating 1099 INT and 1099 DIV on your own is really easy. Been using the same money market for years....
by SagaciousTraveler
Tue Jan 29, 2019 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Received my IRS refund already
Replies: 3
Views: 735

Received my IRS refund already

All, I saw a few posts on here asking about potential delays by the IRS and wanted to provide my own status I used TurboTax and submitted before the listed 'acceptance' date. However as noted in a previous post Turbo Tax told me they accepted my return before the 28th. https://www.bogleheads.org/for...