Search found 2100 matches

by Chuck
Wed Jun 03, 2020 4:21 pm
Forum: Personal Investments
Topic: Anti-Vanguard Broker Experiment - So Far
Replies: 25
Views: 1859

Re: Anti-Vanguard Broker Experiment - So Far

I hold most of my non-Vanguard stuff at E*Trade. No complaints. I was and E*Trade customer long ago, but for cost reasons switched to OptionsHouse, which got bought by Trade Monster, which then got bought by E*Trade, so I'm back, but now the costs are fine. Honestly, if I was looking for a new broke...
by Chuck
Wed May 27, 2020 8:18 pm
Forum: Personal Consumer Issues
Topic: Installing window AC without accordion side panel
Replies: 17
Views: 1164

Re: Installing window AC without accordion side panel

I have to second the cardboard box idea. Don't make things too complicated. Masking tape instead of duct tape. It only needs to last a few months. I've been doing this for the past 10 years or so, without any problem with wind or rain or critters getting through.
by Chuck
Wed May 20, 2020 3:32 pm
Forum: Investing - Theory, News & General
Topic: Sometimes, Selling Stocks _RAISES_ Prices
Replies: 4
Views: 330

Re: Sometimes, Selling Stocks _RAISES_ Prices

It would have been worse if the market went down. Because then you would have thought you were right.

What you call "responsible, well-reasoned advice" is what this forum calls "noise." Don't pay attention to the noise.
by Chuck
Wed May 20, 2020 3:13 pm
Forum: Personal Investments
Topic: Question about Options
Replies: 2
Views: 193

Re: Question about Options

I started fiddling with options 10 years ago, and my 2 pieces of advice are: 1. Don't. And if you can't do #1, then 2. Keep the dollar amounts really really small. To your question: If you want the money, sell the options, that way you also get paid for the remaining option value. If you exercise, y...
by Chuck
Tue May 19, 2020 1:08 pm
Forum: Personal Investments
Topic: Open Social Security strategy results question
Replies: 59
Views: 4268

Re: Open Social Security strategy results question

Oddly enough, if I enter the max income for a Roth conversion of $103,350 ($78,950+24,400) to max out the 12% bracket, Turbotax comes out with a total tax of $9,092 which would be $6 more than what the top of the 12% bracket should be. Because tax tables go in chunks of $100, so $103,350 is rounded...
by Chuck
Mon Apr 27, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: Where has the all good foil gone?
Replies: 20
Views: 1986

Re: Where has the all good foil gone?

Teague wrote:
Sun Apr 26, 2020 8:01 pm
jebmke wrote:
Sun Apr 26, 2020 7:59 pm
Hats?
I think you may have figured it out.
You cracked the code.

https://www.youtube.com/watch?v=urglg3WimHA
by Chuck
Wed Apr 15, 2020 9:26 am
Forum: Investing - Theory, News & General
Topic: I need to rebalance-Best time?
Replies: 4
Views: 252

Re: I need to rebalance-Best time?

The best time is at the bottom. The second best time is now.
by Chuck
Tue Apr 14, 2020 7:04 pm
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32620

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

The rebound seems overdone to me because the market is now valued as it was in October 2019 before the coronavirus was on anyone’s radar. So Mr. Market is saying the pandemic will have almost no effect and therefore continues higher still? The market is saying we've lost 6 months of growth. Maybe t...
by Chuck
Thu Apr 02, 2020 9:59 am
Forum: Personal Investments
Topic: Does anyone else just not care/worry?
Replies: 139
Views: 9783

Re: Does anyone else just not care/worry?

At this point I have decided what I want to do and put in GTC Limit Buy orders that will execute if we drop to the prescribe levels or otherwise expire. So now I am becoming a little bored with it because I am not thinking this is the end of the world. And if it is the end of the world there isn't ...
by Chuck
Fri Mar 27, 2020 1:34 pm
Forum: Investing - Theory, News & General
Topic: There Is No Gold
Replies: 160
Views: 12474

Re: There Is No Gold

So what is the proper Gold/Lead asset ratio? Should it be about 50-50, or would it be wise to be more heavily weighted in Lead if the apocalypse arrives? Maybe 80-20 would be appropriate (4 ounces of Lead for every ounce of Gold). Per wikipedia, there are 190,000 metric tons of gold that have been ...
by Chuck
Wed Mar 25, 2020 10:13 am
Forum: Investing - Theory, News & General
Topic: Market Timing Covid-19 (A Cautionary Tale)
Replies: 22
Views: 2176

Re: Market Timing Covid-19 (A Cautionary Tale)

Goal33 wrote:
Wed Mar 25, 2020 9:54 am
Why did he have to pay penalties? He can do these maneuvers from his 401k.
My 401k doesn't offer oil futures. Does yours?
by Chuck
Fri Mar 20, 2020 12:16 pm
Forum: Investing - Theory, News & General
Topic: Munis getting slaughtered!
Replies: 194
Views: 18579

Re: Munis getting slaughtered!

I remember when VNYTX was barfing out 4%. Good old days. I haven't had any muni fund since 2008. The yields are pathetic even compared to I-Bonds.
by Chuck
Fri Mar 20, 2020 12:12 pm
Forum: Personal Investments
Topic: Lock loss or ride the wave with 15 years to go?
Replies: 62
Views: 4336

Re: Lock loss or ride the wave with 15 years to go?

I was a new investor in 2005. I bought in with a large windfall when the S&P was ~1200. I had to make the same call in 2009 when the S&P dropped to 666. (I did "nothing" in terms of asset allocation, but I was able to sell all my expensive active funds at a loss, and go all-in with index funds.) Tod...
by Chuck
Mon Mar 09, 2020 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 296
Views: 45237

Re: 30 year mortgage under 3%

Penfed is 2.875% today with 0 points.
by Chuck
Fri Mar 06, 2020 11:15 am
Forum: Investing - Theory, News & General
Topic: Be fearful when others are greedy. Be greedy when others are fearful.
Replies: 129
Views: 9218

Re: Be fearful when others are greedy. Be greedy when others are fearful.

ukbogler wrote:
Fri Mar 06, 2020 3:28 am
I like this thread. All the posters going "I'm doing nothing, just as my plan dictates" are actually saying "I'm doing nothing because there's nothing I can do"
I have not even hit any rebalance bands, just like I didn't in October 2019 when stocks were at the same level.
by Chuck
Mon Feb 24, 2020 10:52 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19266
Views: 2674934

Re: U.S. stocks in free fall

thx1138 wrote:
Mon Feb 24, 2020 9:49 am
Mother of God! We are all the way back to where we were three weeks ago! Pardon me, got to run down to the stove to set my hair on fire...
I was going to say "the markets haven't been this low since Feb 3rd" but you beat me to it.
by Chuck
Fri Feb 07, 2020 4:29 pm
Forum: Personal Consumer Issues
Topic: Are 2.1 and 1.0-amp sockets really different on a USB charger?
Replies: 48
Views: 4874

Re: Are 2.1 and 1.0-amp sockets really different on a USB charger?

You only need to look at a voltage drop calculator (search for one online) to see the effects a cable can have. Start with 5V, then try 3, 4, 5, 6, 10ft cable lengths. Try 22 to 28 AWG. See what you get. If you don't end up with 4.2V, your battery will probably not fully charge. If you don't get 3.7...
by Chuck
Thu Feb 06, 2020 3:39 pm
Forum: Investing - Theory, News & General
Topic: Post loss sale
Replies: 6
Views: 419

Re: Post loss sale

These three transactions have not voilated the wash sale rule because more than 30 days passed between the loss sale and the repurchase. I'll agree, except for the part about "violating." The wash sale rule isn't some kind of criminal code, it just specifies how gains and losses are calculated. You...
by Chuck
Tue Feb 04, 2020 6:53 pm
Forum: Personal Consumer Issues
Topic: Would you drive without a spare tire?
Replies: 193
Views: 11567

Re: Would you drive without a spare tire?

I have been driving for 25 years, and I have never used a spare tire.
by Chuck
Tue Feb 04, 2020 11:17 am
Forum: Personal Investments
Topic: adp 401k funds - poor choices?
Replies: 17
Views: 446

Re: adp 401k funds - poor choices?

I agree to just go with the TR fund that most closely matches the asset allocation you want. You'll have to revisit your fund choice as the AA shifts, but that's no big deal.
by Chuck
Fri Jan 31, 2020 5:42 pm
Forum: Personal Consumer Issues
Topic: Examples of Low Tech Improving Your Life
Replies: 207
Views: 17837

Re: Examples of Low Tech Improving Your Life

I had some pipes freeze because a battery died on a programmable thermostat. I'm replacing them with bimetal thermostats so that they "just work."
by Chuck
Mon Jan 27, 2020 12:57 pm
Forum: Investing - Theory, News & General
Topic: Do analyst forecasts have any value?
Replies: 25
Views: 1875

Re: Do analyst forecasts have any value?

When a majority of analysts are giving the same forecast, I definitely consider it a contrary indicator. But then I don't do anything about it.
by Chuck
Mon Jan 27, 2020 12:54 pm
Forum: Personal Consumer Issues
Topic: Do you pay attention to Proposition 65 warnings when you buy something?
Replies: 25
Views: 1653

Re: Do you pay attention to Proposition 65 warnings when you buy something?

The way the law is written/interpreted, the manufacturer/seller takes on additional liability if they attempt to specify the nature or magnitude of the risk. So they don't.
by Chuck
Fri Jan 24, 2020 1:53 pm
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 2
Views: 381

Re: Sharpening the Arithmetic of Active Management

I only had the patience to skim, but I'll give my "+1 this is garbage."
by Chuck
Fri Jan 17, 2020 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Realized we made a major mistake and feeling really sick.
Replies: 162
Views: 14432

Re: Realized we made a major mistake and feeling really sick.

I did not buy 150,000 bitcoin in 2009. I lost over a billion dollars.
by Chuck
Wed Jan 08, 2020 1:18 pm
Forum: Personal Investments
Topic: Selling Vanguard MMF and Accrued Interest
Replies: 5
Views: 542

Re: Selling Vanguard MMF and Accrued Interest

It doesn't help you now, but I always leave $1 in my MM funds to avoid such hassles. I figured this out when I got $0.05 checks from Vanguard all the time.
by Chuck
Mon Dec 09, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Auto oil change
Replies: 54
Views: 4109

Re: Auto oil change

I do what the dashboard indicator, or the manual says. Why over-think these things?
by Chuck
Mon Dec 09, 2019 1:48 pm
Forum: Investing - Theory, News & General
Topic: So is everyone just ignoring the yield curve inversion and upcoming recession?
Replies: 56
Views: 4064

Re: So is everyone just ignoring the yield curve inversion and upcoming recession?

Vision wrote:
Mon Dec 09, 2019 10:57 am
What do you mean "Nobody knows". Recession followed inverted yield curve every single time historically, so everyone knows.
If everyone knew, we'd be in a recession right now. And we're not. So it's not as unanimous as you think.
by Chuck
Tue Dec 03, 2019 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage and HELOC?
Replies: 10
Views: 1195

Re: Pay off mortgage and HELOC?

You can certainly max out your retirement plan contributions either way.

Your total debt is less than one year's income. I don't see the purpose in carrying a loan for 25 years. +1 for pay it off.
by Chuck
Tue Nov 19, 2019 3:23 pm
Forum: Investing - Theory, News & General
Topic: Are individual stocks back on the table now that we have $0 commissions?
Replies: 56
Views: 4702

Re: Are individual stocks back on the table now that we have $0 commissions?

Brianmcg321 wrote:
Tue Nov 19, 2019 8:17 am
No, it isn't.
Look, this isn't an argument! It's just contradiction!
by Chuck
Tue Oct 29, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: GPS signal - Smartphone vs Handheld GPS
Replies: 6
Views: 526

Re: GPS signal - Smartphone vs Handheld GPS

Either GPS solution should self-report its accuracy. If it says within 1 meter, then it's within 1 meter, etc.
by Chuck
Fri Aug 09, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: Is it time to let this phone go?
Replies: 12
Views: 2044

Re: Is it time to let this phone go?

Phineas J. Whoopee wrote:
Fri Aug 09, 2019 2:35 pm
What is /thread ?
I assume it is pseudo-HTML for "this thread is over, mic-drop, bask in my wisdom."
by Chuck
Tue Jul 23, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Uber Without Smartphone
Replies: 103
Views: 8488

Re: Uber Without Smartphone

whodidntante wrote:
Tue Jul 23, 2019 11:35 am
Maybe having the capability to do things that work really well on a smartphone is sufficient reason for you to rethink your insistence on not getting one. You don't have to use it post pictures of your dinner on Instagram.
Agree. Call it a "ride getter" if it makes you feel better.
by Chuck
Fri May 17, 2019 12:10 pm
Forum: Investing - Theory, News & General
Topic: how do Tariffs impact your portfolio?
Replies: 25
Views: 1581

Re: how do Tariffs impact your portfolio?

Tariffs decrease the efficiency of the economy, and lower overall returns. Nothing I can take action on, though.
by Chuck
Mon May 06, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: Winter Tires All Year?
Replies: 62
Views: 5050

Re: Winter Tires All Year?

It's a good thought from a wear point of view, based on your low mileage. The squishy handling might be hazardous if you need to brake or swerve. I would not want to harm someone or someone's property to save a few bucks. For that reason, I wouldn't do it. I have extra rims for my winter tires, and ...
by Chuck
Fri May 03, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Recast - How to calculate and when is it worth it?
Replies: 9
Views: 1295

Re: Recast - How to calculate and when is it worth it?

[...] I could expect to pay off this mortgage in the next 4-5 years by prepaying the remainder of the principal, is it even worth it to recast? No, it is not worth it. You said you plan to continue paying more than the minimum payment. The purpose of a recast is to lower the minimum payment. These ...
by Chuck
Tue Apr 02, 2019 9:33 am
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 10864

Re: Series I Savings Bonds Buying Opportunity

I've developed a spreadsheet that calculates the approximate after tax benefit of exchanging an old I Bond for a new one. That is intense. :) :) I was going to do something simple like I have a 0% bond from 4/2013 which up 9.04% (oops that data is from January, but I don't want to recalculate), so ...
by Chuck
Sun Mar 31, 2019 9:19 am
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 10864

Re: Series I Savings Bonds Buying Opportunity

I need to do the math to see if it's worth it to "refinance" some of my 0% I-bonds.
by Chuck
Wed Mar 20, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Minivan - Safety
Replies: 34
Views: 1930

Re: Minivan - Safety

You should do whatever allows you to sleep at night.
by Chuck
Thu Mar 14, 2019 12:59 pm
Forum: Investing - Theory, News & General
Topic: New Brokerage platform
Replies: 10
Views: 1485

Re: New Brokerage platform

I moved over last year because I didn't want to be a part of the flood of people switching at the last moment. Nothing happened. I got 1099's from the funds directly (from before the switch), and 1099's from VBS, so that year I had to do one additional 1099, since the VBS one has all my holdings. It...
by Chuck
Fri Mar 01, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: 30 year old water heater, should I be worried?
Replies: 73
Views: 6423

Re: 30 year old water heater, should I be worried?

My current water heater was installed in 1983 and probably will be replaced this fall as it is starting to leak. Do you really mean that your tank has started to leak, and you don't plan to have it replaced until this fall? As in late September 2019?? If the TANK is really leaking, then the leak is...
by Chuck
Tue Feb 19, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fast turnaround on Federal Tax
Replies: 40
Views: 4136

Re: Fast turnaround on Federal Tax

I wait to file until at least March 15 to see if I get any dreaded "corrected" 1099s.
by Chuck
Mon Feb 11, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 36840

Re: Smaller tax refunds this year? Clear explanation please

Thesaints wrote:
Mon Feb 11, 2019 5:08 pm
Oh, yeah! SALT deduction has gone the way of the Dodo.
The dodo has been limited to $10,000?
by Chuck
Mon Feb 11, 2019 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 36840

Re: Smaller tax refunds this year? Clear explanation please

Tax return: The tax form that you fill out.

Tax refund: The money you get back if you have overpaid via withholding.
by Chuck
Mon Feb 11, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 36840

Re: Smaller tax refunds this year? Clear explanation please

Just did my taxes and my taxes went up. For the first time ever we actually owe money instead of getting a return this year. As many in this thread have already pointed out, the first thing is not related to the second thing. Withholding changes have tended to have less withheld from each paycheck,...
by Chuck
Thu Feb 07, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Is it easy to withdraw contributions from a Roth IRA?
Replies: 15
Views: 1269

Re: Is it easy to withdraw contributions from a Roth IRA?

What confused me at first was the fact that any withdrawal before 59.5 is considered an early withdrawal, subject to penalty. Then you go do the worksheet, and as long as your total Roth withdrawals are less than your total Roth contributions, your penalty is zero. But you get a 1099-R that says "ea...