Search found 112 matches

by Wyodoc
Thu Jul 23, 2020 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 661
Views: 64290

Re: My LenderFi refinance is going well

I closed a refi with them in February (12 days from app to close) and they recently called me out of the blue to ask if I wanted to do it again. Will be dropping my rate another .5%. Pretty cool, since I had seen that they were not taking new refis. I’ve been in talks with them. This is a service t...
by Wyodoc
Thu Jul 23, 2020 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 661
Views: 64290

Re: My LenderFi refinance is going well

I closed a refi with them in February (12 days from app to close) and they recently called me out of the blue to ask if I wanted to do it again. Will be dropping my rate another .5%. Pretty cool, since I had seen that they were not taking new refis. I’ve been in talks with them. This is a service t...
by Wyodoc
Thu Jul 16, 2020 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I look at mortgage refinance? (I suspect no)
Replies: 42
Views: 2757

Re: 3.875% mortgage and refinance doesn't make sense

That rate seems high unless something is missing.
I’m in PA and all the 15yr fixed rates I’m seeing are around 2.25-2.5 range. 3 is around the 30yr fixed rate I’ve been seeing.
Maybe time to shop around for quotes.
by Wyodoc
Wed Jul 15, 2020 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Refi with new appraisal?
Replies: 0
Views: 161

Refi with new appraisal?

Recently bought a house 6 months ago and looking to refinance now. We bought a fixer upper and did some construction and I suspect we increased value of the house around 15%. I’ve been getting some quotes and it seems given the recent purchase a few companies will waive appraisal. If we get a new ap...
by Wyodoc
Tue Apr 21, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: Anyone here have a Peloton treadmill?
Replies: 7
Views: 1105

Re: Anyone here have a Peloton treadmill?

My bike just came today. Assembled outside and the delivery crew put on masks and shoe covers and brought it in. Didn’t have to carry it ourselves.

I’ve used the treadmill and it’s great. Would recommend it as well. The app is also great for outdoor runs.
by Wyodoc
Sat Mar 07, 2020 10:28 pm
Forum: Investing - Theory, News & General
Topic: What to pair with NTSX?
Replies: 227
Views: 16792

Re: What to pair with NTSX?

Agree, it’s strange. I have NTSX in my Vanguard brokerage account and can buy PSLDX in my R-IRA.... but no leveraged ETFs
by Wyodoc
Thu Mar 05, 2020 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 661
Views: 64290

Re: My LenderFi refinance is going well

I find this thread intriguing as there are some people with great experiences and some with bad communication experiences. On Monday I applied for a 15yr fixed at 2.5%. Got my confirmation email and that my loan officer would be in touch within 1 business day. Waited 2 days and then left a message ...
by Wyodoc
Thu Mar 05, 2020 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 661
Views: 64290

Re: My LenderFi refinance is going well

I find this thread intriguing as there are some people with great experiences and some with bad communication experiences. On Monday I applied for a 15yr fixed at 2.5%. Got my confirmation email and that my loan officer would be in touch within 1 business day. Waited 2 days and then left a message ...
by Wyodoc
Thu Mar 05, 2020 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 661
Views: 64290

Re: My LenderFi refinance is going well

I find this thread intriguing as there are some people with great experiences and some with bad communication experiences. On Monday I applied for a 15yr fixed at 2.5%. Got my confirmation email and that my loan officer would be in touch within 1 business day. Waited 2 days and then left a message a...
by Wyodoc
Sun Mar 01, 2020 4:12 pm
Forum: Investing - Theory, News & General
Topic: All small cap international
Replies: 61
Views: 4244

Re: All small cap international

I do this for my developed international which is 20% of my portfolio. All in Intnl small (FNDC, ISCF). I don’t see much diversification benefit to large cap intl given my US large allocation. Fndc or dls are the two I’m looking at the hardest DLS is expensive in my opinion given the options we hav...
by Wyodoc
Sun Mar 01, 2020 3:14 pm
Forum: Investing - Theory, News & General
Topic: All small cap international
Replies: 61
Views: 4244

Re: All small cap international

I do this for my developed international which is 20% of my portfolio. All in Intnl small (FNDC, ISCF). I don’t see much diversification benefit to large cap intl given my US large allocation. Fndc or dls are the two I’m looking at the hardest DLS is expensive in my opinion given the options we hav...
by Wyodoc
Sun Mar 01, 2020 9:25 am
Forum: Investing - Theory, News & General
Topic: All small cap international
Replies: 61
Views: 4244

Re: All small cap international

I do this for my developed international which is 20% of my portfolio. All in Intnl small (FNDC, ISCF). I don’t see much diversification benefit to large cap intl given my US large allocation.
by Wyodoc
Sun Mar 01, 2020 9:18 am
Forum: Investing - Theory, News & General
Topic: Best stock to buy in the dip
Replies: 20
Views: 1367

Re: Best stock to buy in the dip

If you really want to try and buy things low and get a bounce look into travel/leisure (resorts, cruise lines, casinos etc) like banks in 2008... of course they could also go bankrupt :twisted: risk reward I guess
by Wyodoc
Fri Feb 28, 2020 8:01 pm
Forum: Investing - Theory, News & General
Topic: How Do Bogleheads Invest In Major Market Tumbles?
Replies: 36
Views: 2780

Re: How Do Bogleheads Invest In Major Market Tumbles?

-increased my 401k percent contributions this week to max it out earlier. How did you decide that maxing it out earlier was the right move? After all, if stocks keeping going down, but perhaps at a slower rate, you might get more shares for your money later. I didn’t max it out. Just doubled percen...
by Wyodoc
Fri Feb 28, 2020 7:25 pm
Forum: Investing - Theory, News & General
Topic: How Do Bogleheads Invest In Major Market Tumbles?
Replies: 36
Views: 2780

Re: How Do Bogleheads Invest In Major Market Tumbles?

-increased my 401k percent contributions this week to max it out earlier. How did you decide that maxing it out earlier was the right move? After all, if stocks keeping going down, but perhaps at a slower rate, you might get more shares for your money later. I didn’t max it out. Just doubled percen...
by Wyodoc
Fri Feb 28, 2020 6:52 pm
Forum: Investing - Theory, News & General
Topic: How Do Bogleheads Invest In Major Market Tumbles?
Replies: 36
Views: 2780

Re: How Do Bogleheads Invest In Major Market Tumbles?

-increased my 401k percent contributions this week to max it out earlier.
-Tax loss harvested
-Had some extra cash for a new car later this year and adding that into the market as well. May delay my next car for 6 months but oh well. This is a better use right now (or not... we’ll see :D )
by Wyodoc
Thu Jan 30, 2020 8:38 am
Forum: Investing - Theory, News & General
Topic: What to pair with NTSX?
Replies: 227
Views: 16792

Re: What to pair with NTSX?

I believe this is incorrect. ETF liquidity has 0 to do with daily volume of the ETF but depends on the underlying assets of the ETF. There are many posts here discussing this and how people complete trades of ETFs with low volume in millions. I have personally TLH NTSX when it had lower volume than ...
by Wyodoc
Sun Nov 24, 2019 8:11 pm
Forum: Personal Investments
Topic: Which funds do YOU have in your taxable account?
Replies: 81
Views: 7738

Re: Which funds do YOU have in your taxable account?

VTI/NTSX
IJR
VFMO/MTUM
VIGI
SCZ/ISCF

I keep all my EM in Tax advantaged given least tax efficient by far.
by Wyodoc
Sun Nov 24, 2019 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Third party opinion on Tesla Model 3 purchase or lease
Replies: 33
Views: 2983

Re: Third party opinion on Tesla Model 3 purchase or lease

Your income and savings for your age are great.
I would buy the car in cash or get a used one, no loans.
Enjoy the ride.
by Wyodoc
Sun Nov 17, 2019 4:04 pm
Forum: Investing - Theory, News & General
Topic: [Not a bad choice for your EM equity exposure (EYLD)]
Replies: 56
Views: 4653

Re: Not a bad choice for your EM equity exposure (EYLD)

I'm not a fan of Meb Faber, Apparently this thread was brought to his attention on Twitter. Especially the first sentence... He posted this- “The Bogleheads hate me for some reason. Which is odd considering I manage the lowest cost World Allocation ETF. Even worse, it’s the lowest cost AND it’s an ...
by Wyodoc
Sun Nov 17, 2019 11:40 am
Forum: Investing - Theory, News & General
Topic: [Not a bad choice for your EM equity exposure (EYLD)]
Replies: 56
Views: 4653

Re: Not a bad choice for your EM equity exposure (EYLD)

I have also been picking up EYLD in my R-IRA over last 6 months. I think some active management in EM makes sense. My other EM is through 401k with ODMAX (Invesco Oppenheimer Developing markets) with a low ER of 1.1% :oops: However, it has outperformed VEMAX by about 3% since I’ve held it as well si...
by Wyodoc
Sun Nov 17, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 56
Views: 7407

Re: Disney plus streaming deal

So far loving it for the kids. They don’t watch much tv but for the rare occasions appears to have great content. Especially the 5yo who just got into Star Wars. If you already have Hulu without commercials (which we had already) you can sign up on Disney+ using your Hulu email address for the bundl...
by Wyodoc
Sat Nov 09, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America no local branch?
Replies: 14
Views: 864

Re: Bank of America no local branch?

Thanks for the replies.
Sounds like minus cash deposits really not much utility for even using a local branch.

Yes, I know the website states wire transfers online but wasn't sure if there was a step involving a local branch or some other "gotcha". Thanks for clearing that up.
by Wyodoc
Sat Nov 09, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America no local branch?
Replies: 14
Views: 864

Re: Bank of America no local branch?

RickBoglehead wrote:
Sat Nov 09, 2019 12:49 pm
I can wire transfer all day long without leaving my house. Ally, Capital One, ...
Interesting, thanks. I’ll check them out but not sure I can get the same benefits for credit cards I’m looking for with BoA. Does anyone know if you can wire transfer from BoA without going to a branch?
by Wyodoc
Sat Nov 09, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America no local branch?
Replies: 14
Views: 864

Bank of America no local branch?

Does anyone use BoA for the credit card perks/banking perks but are not close to a branch? I'm about 30-40 minutes from closest branch (live outside major city) but am interested in moving some money to merrill edge/BoA for platinum rewards for the credit cards and possibly banking/loans in future. ...
by Wyodoc
Sat Nov 09, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tale of 2 doctor job opportunities
Replies: 41
Views: 3929

Re: Tale of 2 doctor job opportunities

HEDGEFUNDIE wrote:
Sat Nov 09, 2019 12:08 pm
20 patients a day is asking for burnout.
This is probably about a patient every 25-35 minutes depending on daily hrs and honestly not that much for a full day for many docs.... wish things were different.
by Wyodoc
Sat Nov 09, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tale of 2 doctor job opportunities
Replies: 41
Views: 3929

Re: Tale of 2 doctor job opportunities

Was in a similar situation a few yrs ago. I personally chose private practice route and am very happy. I am now a partner, have say about decisions in the group, better income than hospital system comps but I suspect I work harder (but don't mind as it increases my income). Certainly working for a h...
by Wyodoc
Fri Nov 08, 2019 6:32 pm
Forum: Investing - Theory, News & General
Topic: [Deleted] [Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund]
Replies: 652
Views: 69241

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

On JPM YouInvest I was not able to submit an online buy order for 1500 NTSX as it exceeded the avg daily volume. We can't place your order. Order size exceeds Average Daily Volume - please contact us for assistance (R01767A) Earlier in the week I was able to submit a limit order to buy 500 NTSX and...
by Wyodoc
Sun Oct 20, 2019 3:56 pm
Forum: Personal Investments
Topic: Factor Portfolio Check
Replies: 30
Views: 2601

Re: Factor Portfolio Check

Seems ok but I noticed no bonds or where the funds will be placed. You will get better advice and some more replies if you edit the post to include more info (see how in “asking portfolio questions” at the top of page).
by Wyodoc
Sun Oct 20, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord Question
Replies: 16
Views: 2442

Re: Landlord Question

[quote=ralph124cf post_id=4800724 time=<a href="tel:1571541635">1571541635</a> user_id=52711] A good tenant is golden. I typically do not raise rents for good tenants. The frictional costs of finding a good new tenant are usually at least one months vacancy plus redecorating costs such as paint and...
by Wyodoc
Sat Oct 19, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Financing house + construction?
Replies: 3
Views: 491

Re: Financing house + construction?

For those without the resources to pay 200k cash for the construction project, then there's no alternative but to finance it. There are a variety of ways to do this depending on one's financial situation. Suggestions might fit "you" better if you provide a little more information by editing your or...
by Wyodoc
Sat Oct 19, 2019 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Financing house + construction?
Replies: 3
Views: 491

Financing house + construction?

We are looking into purchasing a house for about 500k and would need to complete an addition + kitchen/bathroom renovations which would likely be in ballpark of 150-200k range. Our budget is 800k so we’ve decided to purchase on lower end and complete updates/construction. I would likely put 20% down...
by Wyodoc
Sun Oct 06, 2019 7:24 pm
Forum: Personal Investments
Topic: International total market index in Taxable?
Replies: 3
Views: 959

Re: International total market index in Taxable?

If you’re in highest tax bracket I would not hold VSS in a taxable account. It’s quite tax inefficient. Would consider alternative small cap intl or hold in tax advantaged account.
by Wyodoc
Thu Oct 03, 2019 8:21 pm
Forum: Personal Investments
Topic: Opportunity Zone REIT
Replies: 12
Views: 1129

Re: Opportunity Zone REIT

Opportunity Zones are relatively new but the tax advantages for large gains are undeniable. If you have a large gain and invest it in an OZ you will owe no taxes until 2026. At that time, you will also get 15% step down from the previous tax burden. Plus, gains from the investment are tax free if in...
by Wyodoc
Thu Oct 03, 2019 2:49 pm
Forum: Investing - Theory, News & General
Topic: If you use Vanguard (Brokerage), why do you stay?
Replies: 58
Views: 7320

Re: If you use Vanguard (Brokerage), why do you stay?

Today I was unable to view my cost basis for my funds so could not tax loss harvest. Called Vanguard and they said it was a known issue site wide. Still not fixed at 350pm. Starting to wonder why I still use Vanguard... :oops:
by Wyodoc
Sun Sep 29, 2019 8:18 am
Forum: Investing - Theory, News & General
Topic: Ken Fisher wants you to know that he cares...
Replies: 49
Views: 4990

Re: Ken Fisher wants you to know that he cares...

I would never use Fisher Investments and agree there a MUCH better models for financial advice. I would also never knock his business model. He has 114B in AUM. The man knows how to advertise and get clients. No need to hate, enjoy this beautiful Sunday :D
by Wyodoc
Sat Sep 28, 2019 6:41 am
Forum: Investing - Theory, News & General
Topic: How much cash do you keep in your HSA?
Replies: 63
Views: 5307

Re: How much cash do you keep in your HSA?

I keep the minimum that HealthEquity requires which unfortunately is 2000. If I could, would invest it all. To me, makes more sense to let this compound and grow and not spend now. There will always be health expenses in the future. I’m not worried about this money going to waste. I’m mid 30s though...
by Wyodoc
Wed Sep 18, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Liability vs step-up cost basis
Replies: 7
Views: 414

Re: Liability vs step-up cost basis

Do you have reason to believe you'll die before your spouse? If not, then it seems you're giving up the certainty of liability protection for the wager that you predecease your spouse. No, there is no strong reason other than statistically woman have a longer life expectancy and I'm already 5yrs ol...
by Wyodoc
Wed Sep 18, 2019 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Liability vs step-up cost basis
Replies: 7
Views: 414

Re: Liability vs step-up cost basis

Thank you for the posts. I'm actually in PA but am already planning to meet with an attorney. Will throw out an update once everything is through. I will say the vanguard rep sounded quite confident about keeping the account solo.
by Wyodoc
Wed Sep 18, 2019 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Liability vs step-up cost basis
Replies: 7
Views: 414

Liability vs step-up cost basis

I’ve recently been working on estate planning with my spouse and I’ve been hearing arguments about joint vs solo taxable brokerage accounts. I’m a physician and carry a slightly higher risk of liability than the general population and have been told in the past to make my taxable account “joint” to ...
by Wyodoc
Tue Sep 17, 2019 12:01 pm
Forum: Investing - Theory, News & General
Topic: [Deleted] [Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund]
Replies: 652
Views: 69241

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

I have also been studying this fund and am interested in adding it to my taxable account. 1) For those of you who are using the fund how do you calculate the bond portion for your AA (I’m 80/20 and currently have the 20% bonds in tax advantaged but curious how this fund would effect my AA) 2) Readi...
by Wyodoc
Tue Sep 17, 2019 5:57 am
Forum: Investing - Theory, News & General
Topic: [Deleted] [Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund]
Replies: 652
Views: 69241

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

I have also been studying this fund and am interested in adding it to my taxable account. 1) For those of you who are using the fund how do you calculate the bond portion for your AA (I’m 80/20 and currently have the 20% bonds in tax advantaged but curious how this fund would effect my AA) 2) Readin...
by Wyodoc
Sat Sep 14, 2019 6:06 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1976
Views: 154852

Re: Small Cap Value heads Rejoice !!!

[quote=foosball post_id=4748492 time=<a href="tel:1568462437">1568462437</a> user_id=110128] [quote=caklim00 post_id=4743905 time=<a href="tel:1568208758">1568208758</a> user_id=8122] My IRAs are just SLYV and ISCF besides my small stake in the hedgefundie excellent adventure. I hold some VIOV (and...
by Wyodoc
Thu Sep 12, 2019 5:38 am
Forum: Investing - Theory, News & General
Topic: Health equity investment fee. High or low?
Replies: 60
Views: 5356

Re: Health equity investment fee. High or low?

I too have a Health Equity HSA at work, and I recently transferred the funds to Fidelity, which I really like. I'll just continue doing periodic transfers from HE to Fidelity going forward. How much did HE charge you for a transfer? I’m looking into doing an indirect transfer to save money on the t...
by Wyodoc
Wed Sep 11, 2019 5:38 am
Forum: Investing - Theory, News & General
Topic: Health equity investment fee. High or low?
Replies: 60
Views: 5356

Re: Health equity investment fee. High or low?

Don't do it. Absolutely no reason to pay an "investment fee" of 0.4% over the ERs of underlying funds. Plus, you have to have a minimum in cash drag before you can start investing. I had enough of HealthEquity and every year I do an indirect rollover to Lively, an excellent fee-free HSA with TD inv...
by Wyodoc
Sun Sep 01, 2019 2:25 pm
Forum: Investing - Theory, News & General
Topic: How to Add Momentum Factor
Replies: 36
Views: 2672

Re: How to Add Momentum Factor

I would just note that S&P 600 value is a multifactor fund (size, value, quality). Also, SLYV is a great fund but would not hold it in a taxable account. Back to OPs question-> I think any of the above are good ways to add momentum but staying the course is much more important. If you think you may ...
by Wyodoc
Sun Sep 01, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: How to Add Momentum Factor
Replies: 36
Views: 2672

Re: How to Add Momentum Factor

I'm in a similar scenario as described by the OP. I have a stronger SCV tilt than him though. I was looking into my options to make the tilt a bit milder and/or maybe get some other factor exposure too. What you're saying makes sense. And yes I read several of Robert T's posts. Iirc he seems to fav...
by Wyodoc
Sun Sep 01, 2019 10:01 am
Forum: Investing - Theory, News & General
Topic: How to Add Momentum Factor
Replies: 36
Views: 2672

Re: How to Add Momentum Factor

This is a tricky thing to accomplish because momentum portfolios often load negatively on value. If you combine IJS and MTUM together say in equal proportions, MTUM largely will cancel out the value loading in IJS. The other problem is that when a value stock acquires upward momentum, it tends to c...
by Wyodoc
Sat Aug 31, 2019 8:39 pm
Forum: Investing - Theory, News & General
Topic: How to Add Momentum Factor
Replies: 36
Views: 2672

Re: How to Add Momentum Factor

Yes, I've looked at both. MTUM and VFMO have very different holdings, but I suspect that's in part because VFMO has 1/100th the assets of MTUM and if VFMO had $10B in assets it would have to look a lot more like MTUM. Possibly. Although VFMO is supposed to be 1/3 large, 1/3 mid, 1/3 small so it is ...
by Wyodoc
Sat Aug 31, 2019 7:33 pm
Forum: Investing - Theory, News & General
Topic: How to Add Momentum Factor
Replies: 36
Views: 2672

Re: How to Add Momentum Factor

Since you mentioned keeping SIZE tilt I would also consider VFMO (Vanguard momentum factor). Tilts smaller than MTUM. Has low AUM but newer fund. Since you also want to keep value tilt I would consider something like what robert T does. Maybe 25/75 momentum/small value to keep value tilt and try and...