Search found 213 matches

by wintermute
Thu Nov 05, 2020 12:35 pm
Forum: Personal Consumer Issues
Topic: XBox One S vs XBox Series S for first gaming unit
Replies: 18
Views: 934

Re: XBox One S vs XBox Series S for first gaming unit

If you just want to see if you like gaming, then get one off eBay. I play a used One X. Ones will get cheaper after Series is out. If you don't own a bunch of xbox games already, the digital only ps5 is the best next gen deal. Series S will be better for HD only TV than One X, due to much faster cpu...
by wintermute
Thu Sep 10, 2020 11:38 pm
Forum: Personal Investments
Topic: Wells Fargo PMA increasing fees
Replies: 49
Views: 4267

Re: Wells Fargo PMA increasing fees

I transferred to Vanguard. In my IRAs, cost basis info is gone, it just says "uncovered shares" now. I wonder if I transfer in the future to somewhere else, if that data will be restored.
by wintermute
Thu Jul 30, 2020 8:17 pm
Forum: Personal Investments
Topic: Considering switch from Vanguard to eTrade...pros, cons and other input?
Replies: 154
Views: 14244

Re: Considering switch from Vanguard to eTrade...pros, cons and other input?

Does anyone know how big Etrade's mark-ups/mark-downs are, on treasuries? Specifically tbills and LT bonds.
by wintermute
Thu Jul 16, 2020 9:59 pm
Forum: Personal Investments
Topic: Wells Fargo PMA increasing fees
Replies: 49
Views: 4267

Re: Wells Fargo PMA increasing fees

As for why anyone would be using Wellstrade, they've had available: PTTRX - the 0.46% ER Pimco Total Return class FNBGX - Fidelity 0.03% ER LT treasuries GABXX - 0.08% ER pure T-bills signal and then admiral shares of nearly all Vanguard funds, with no minimums for most funds 100 free trades for ETF...
by wintermute
Wed Jul 15, 2020 10:30 pm
Forum: Personal Investments
Topic: Wells Fargo PMA increasing fees
Replies: 49
Views: 4267

Re: Wells Fargo PMA increasing fees

If their fund screener is accurate, looks like ones I care about, GABXX and PTTRX, will be $35, but FNBGX will remain free.
by wintermute
Tue Feb 25, 2020 11:26 pm
Forum: Personal Consumer Issues
Topic: Are there any newer sci-fi tv shows that are family friendly
Replies: 27
Views: 2006

Re: Are there any newer sci-fi tv shows that are family friendly

Cheez-It Guy wrote: Tue Feb 25, 2020 10:27 pm Star Trek: The Next Generation
They talk about sex in the first season, fwiw. It got less risque after that, iirc.
by wintermute
Sat Feb 15, 2020 11:26 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 332
Views: 41663

Re: What video games are you currently playing?

Resident Evil 2 remake, as Claire. I put it on the easiest mode, wanting to get thru it wasting as little time as possible, but it's too easy. I played the original and the remake is great. RE3 remake is coming out in April. I'm planning to play the RE1 HD remaster next.
by wintermute
Thu Jan 30, 2020 12:10 am
Forum: Forum Issues and Administration
Topic: Disable edits after 48 hours, 1 week, etc.
Replies: 48
Views: 3664

Re: Disable edits after 48 hours, 1 week, etc.

Is append-only an option?
by wintermute
Fri Jan 10, 2020 11:04 pm
Forum: Personal Investments
Topic: Where do you keep your Emergency Funds? How is it invested?
Replies: 139
Views: 12017

Re: Where do you keep your Emergency Funds? How is it invested?

20% in IJH, so no worries about wash sales.
The rest in ibonds and GABXX.
by wintermute
Sun Dec 29, 2019 3:32 pm
Forum: Personal Investments
Topic: Are Vanguard Mutual Index Funds covered by Heartbeat Trades?
Replies: 15
Views: 1387

Re: Are Vanguard Mutual Index Funds covered by Heartbeat Trades?

What happens to the recipients of the low cost basis shares, wrt cost basis and taxes? Over the years, I've read many articles on the ETF technique of redemption in low cost basis shares and bizarrely not one of them has ever explained this. Do they inherit the low basis, or does the fund basis reta...
by wintermute
Mon Oct 07, 2019 1:35 am
Forum: Personal Finance (Not Investing)
Topic: Dropping Interest Rates on High-Yield Savings
Replies: 31
Views: 4962

Re: Dropping Interest Rates on High-Yield Savings

Ibonds are paying .50% real. Max them for funds that can wait a year. Don't forget you can get them from your tax refund also.
by wintermute
Mon Jul 08, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: St. Louis Travel/Tourism
Replies: 20
Views: 1564

Re: St. Louis Travel/Tourism

The City Museum is great, if you're an able bodied adult (can/will crawl thru things) and/or have kids. I came across it while I was in the area to see the 2017 summer eclipse. It was the most fun I've had since I was a kid. It would've blown my mind as a kid. It's sort of a post apocalyptic playgro...
by wintermute
Mon Jul 01, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Going to switzerland this september-advice?
Replies: 30
Views: 2255

Re: Going to switzerland this september-advice?

One advantage of the Swiss rail pass is you don't need to worth about buying the right tickets. It can be confusing enough finding the right platform, station, train. It saves time. It also gets you discounts for Jungfrau and Piz Gloria too (iirc). Make sure you see the falls in Lauterbrunnen. You m...
by wintermute
Fri Jun 21, 2019 9:17 pm
Forum: Investing - Theory, News & General
Topic: short term treasury ETFs a money market account substitute?
Replies: 20
Views: 3229

Re: short term treasury ETFs a money market account substitute?

FLRN and GSY are worth considering as well.

Personally, I split between several of these funds to minimize fund-specific risk.
by wintermute
Sun Jun 16, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Best source for buying Gold Coins
Replies: 55
Views: 5499

Re: Best source for buying Gold Coins

Even holding for 10 years, some ETFs are now cheaper than coins, at 0.17-.18% ER: SGOL AAAU GLDM BAR.
by wintermute
Wed Jun 12, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: Best source for buying Gold Coins
Replies: 55
Views: 5499

Re: Best source for buying Gold Coins

Goldmart.com is another dealer; I've used them.
by wintermute
Wed Jun 12, 2019 11:43 am
Forum: Investing - Theory, News & General
Topic: Excellent Larry Swedroe Podcast Interview: Factors For The Long Run
Replies: 337
Views: 21769

Re: Excellent Larry Swedroe Podcast Interview: Factors For The Long Run

From Sharpe’s RISMAT “Perhaps it is, and by holding it you will indeed be smart. But if so, then those holding the market portfolio must be dumb. And those who underweight the securities that you overweight and overweight the securities that you underweight are even dumber. If this is the case, one...
by wintermute
Sat May 25, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 7364

Re: Best small AWD to 'drive into the ground'

Torsen diffs do have a problem when a wheel has zero or very low traction, however Subarus also have (for more than 10 years) 4 channel ABS which is used to brake that spinning wheel, if the difference is too great. The torsen then multiplies that (equal brake/engine) torque to the other wheel. Suba...
by wintermute
Sat Feb 23, 2019 11:01 am
Forum: Personal Investments
Topic: ST Cash Instrument - ICHS?
Replies: 10
Views: 1346

Re: ST Cash Instrument - ICHS?

I split extra cash between ICSH and GSY. There's also MINT, but its ER is too expensive imho and has longer duration, and it's hard to find an aggregate credit rating for it (must be taking more risk for that higher ER). GABXX is a low-cost Treasury MM fund. There are a few others like FLRN and FLOT...
by wintermute
Tue Feb 19, 2019 10:01 pm
Forum: Personal Investments
Topic: Eliminate my emergency fund?
Replies: 90
Views: 8548

Re: Eliminate my emergency fund?

What I do is keep more than I need for my efund by 10% or so, and put 20% in IJH midcap (mostly to not have to worry about wash sales).
by wintermute
Fri Feb 15, 2019 7:08 pm
Forum: Investing - Theory, News & General
Topic: Did you get spooked by the December 2018 fall and gave up on passive?
Replies: 133
Views: 9616

Re: Did you get spooked by the December 2018 fall and gave up on passive?

revhappy wrote: Fri Feb 15, 2019 6:53 pm Just want to know how many people are feeling like me.
The market price is the dollar-average opinion.
by wintermute
Tue Nov 20, 2018 1:49 am
Forum: Personal Investments
Topic: Ally No Penalty CD vs. Ally MM Savings?
Replies: 15
Views: 1889

Re: Ally No Penalty CD vs. Ally MM Savings?

1 year treasury is paying 2.66%. 3-month isn't far behind at 2.38%:
https://www.treasury.gov/resource-cente ... data=yield
by wintermute
Sat Nov 17, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve oddity
Replies: 22
Views: 1658

Re: TIPS yield curve oddity

grok87 wrote: Sat Nov 17, 2018 1:32 pm tips use raw or not seasonally adjusted CPI which can be a little noisy. TIPS yields for maturites < 1 year often display this kind of behavior.
Thanks. I found a thread that goes into the details of seasonal yield error:
viewtopic.php?t=150300
by wintermute
Sat Nov 17, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve oddity
Replies: 22
Views: 1658

TIPS yield curve oddity

2019-Apr-15 has a much higher yield than others maturities. This bond showed up on Vanguard and Fidelity (after market close), and WSJ. Why would a TIPS with less accrued principal, with less than a year left (so short-term gain and interest are taxed the same), pay 2.5 times as much as 2019-Jul-15?...
by wintermute
Thu Aug 30, 2018 10:47 pm
Forum: Investing - Theory, News & General
Topic: Sneaky ways to get into closed funds (e.g. POAGX in TN 529)
Replies: 41
Views: 5755

Re: Sneaky ways to get into closed funds (e.g. POAGX in TN 529)

HEDGEFUNDIE wrote: Thu Aug 23, 2018 4:54 pm This is exactly the kind of info I was looking for. Thanks! Do they offer access to the PRIMECAP funds?
I tried Primecap admiral and investor shares, both returned "not available for purchase online", from an IRA in Wellstrade.
by wintermute
Thu Aug 23, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: Sneaky ways to get into closed funds (e.g. POAGX in TN 529)
Replies: 41
Views: 5755

Re: Sneaky ways to get into closed funds (e.g. POAGX in TN 529)

Slightly off-topic, but you can get admiral shares of most Vanguard funds, and PTTRX, at Wellstrade, at least in IRAs, with no minimum.
by wintermute
Tue May 29, 2018 10:06 pm
Forum: Investing - Theory, News & General
Topic: FZDXX- 1.81%. Security? [Fidelity Treasury Money Market]
Replies: 22
Views: 11879

Re: FZDXX- 1.81%. Security?

indexfundfan wrote: Sun May 27, 2018 12:45 pm Where can you buy GABXX?
Wellstrade, at least. I don't know about other brokerages.
by wintermute
Sun May 27, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: FZDXX- 1.81%. Security? [Fidelity Treasury Money Market]
Replies: 22
Views: 11879

Re: FZDXX- 1.81%. Security?

+1 on buying Tbills at auction, but GABXX is also an option. It's useful if you can't trade bonds or buy Vanguard's VUSXX treasury MM fund (like at Wellstrade). Current 7-day for GABXX is 1.69%, ER is 0.08%, vs 1.74% and 0.09% for VUSXX.
by wintermute
Wed Apr 04, 2018 9:38 pm
Forum: Personal Investments
Topic: Results after investing my Emergency Fund for 3yrs
Replies: 20
Views: 5108

Re: Results after investing my Emergency Fund for 3yrs

It isn't mental accounting it's actual accounting, for a 50% drop. Even 100% drop of 20% of my efund would be fine. If I put the extra 10% into my portfolio it would be at a lower stock allocation and likely lower my lifetime returns. The small stock allocation helps ensure the efund keeps up with i...
by wintermute
Sun Apr 01, 2018 9:24 pm
Forum: Personal Investments
Topic: Results after investing my Emergency Fund for 3yrs
Replies: 20
Views: 5108

Re: Results after investing my Emergency Fund for 3yrs

+1 I'm doing something similar: increased efund by 10%, and putting 20% in stocks.
by wintermute
Sat Mar 31, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 18238

Re: What age is the best to give a child control of an inheritance?

The longer it's in trust the more risk there is of theft by trustee. I've seen it happen.
by wintermute
Wed Mar 28, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard to (another brokerage): admiral index funds
Replies: 17
Views: 1940

Re: Vanguard to (another brokerage): admiral index funds

Wellstrade has admiral shares, no minimum. Did you transfer the funds in or actually initiate a new position with wells trade? I originally bought signal shares at Wellstrade using a cash balance, but since conversion to admiral a while back, I've bought more admiral shares. I should add that I'm g...
by wintermute
Wed Mar 28, 2018 12:31 am
Forum: Investing - Theory, News & General
Topic: Vanguard to (another brokerage): admiral index funds
Replies: 17
Views: 1940

Re: Vanguard to (another brokerage): admiral index funds

Wellstrade has admiral shares, no minimum. I only had trouble buying VGSLX (REIT fund) recently, but I called and they offered to do a phone order for free. (I'm guessing it's related to that fund's index changing.) They used to have signal shares, a class which Vanguard discontinued and converted t...
by wintermute
Mon Mar 19, 2018 11:31 pm
Forum: Investing - Theory, News & General
Topic: The Single Greatest Predictor of Future Stock Market Returns
Replies: 88
Views: 19959

Re: The Single Greatest Predictor of Future Stock Market Returns

What has always been funny to me is that portfolios are always valued at marginal or nearly-marginal pricing. Prices aren't volume or supply/demand adjusted before multiplying by shares held.
by wintermute
Fri Mar 02, 2018 12:32 am
Forum: Investing - Theory, News & General
Topic: Treasury Money Market Funds
Replies: 12
Views: 3228

Re: Treasury Money Market Funds

GABXX The Gabelli U.S. Treasury Money Market Fund Class AAA - 1.75% 7-day yield, ER is 0.08% http://www.gabelli.com/Template/fundinfo.cfm?tid=NzYyMDk=&bid=MTc1&mid=NmQ3NzM=&num=NmFkZmU=&fid=NmJjMzY=&rid=404=edoc_dnuf http://financials.morningstar.com/money-market/quote?t=gabxx Th...
by wintermute
Sat Feb 10, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 9541

Re: Relearning Calculus

MathBFF, patrickJMT, Kahn; all on YouTube.
by wintermute
Fri Nov 03, 2017 1:03 am
Forum: Personal Investments
Topic: Should I invest my emergency fund?
Replies: 29
Views: 5563

Re: Should I invest my emergency fund?

The big downside to investing your EF is - what if the day you need it is the day the market is down 15%? I personally take some credit and term risk (when it pays more than CDs) and I add 10% more money than I would otherwise keep in my EF. The most valuable thing I learned from this forum is the ...
by wintermute
Sun Apr 30, 2017 10:12 pm
Forum: Personal Investments
Topic: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 45
Views: 11495

Re: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]

This fund has significant interest rate risk. Its duration is currently 5.2 and maturity is 8.7 years, for just 1 point more than savings accounts. And some CDs are 3%, if you are patient.
by wintermute
Wed Apr 12, 2017 11:55 pm
Forum: Investing - Theory, News & General
Topic: Value of having TIPS funds?
Replies: 35
Views: 5463

Re: Value of having TIPS funds?

The Schwab TIPS ETF, which tracks the Bloomberg Barclays U.S. TIPS Index, has an expense ratio of 0.05%. https://www.schwabfunds.com/public/csim/home/products/exchange_traded_funds/summary.html?symbol=SCHP The ER is great, but watch the premium/discount. It can get large at times. I always had to w...
by wintermute
Sat May 28, 2016 5:39 pm
Forum: Personal Investments
Topic: Emergency Fund in Taxable Investments?
Replies: 30
Views: 4285

Re: Emergency Fund in Taxable Investments?

You have to consider your own situation. For me there are several problems with keeping efund in tax advantaged: Tax drag on dividends. Stocks are expected to grow long term, so they should especially be preferred in a Roth. (I mirror Roth and IRA+401k). That space is precious. You might pay more to...
by wintermute
Sun Nov 08, 2015 5:37 pm
Forum: Personal Consumer Issues
Topic: Password managers (eg Keepass, Lastpass, 1Password etc)- security risk
Replies: 29
Views: 4579

Re: Whatever

daveatca wrote:"KeeFarce uses DLL injection to execute code" - https://github.com/denandz/KeeFarce

So, who cares. Mac OS X does not use DLLs.
Just about all modern OSes use dynamically linked shared libraries, including OS X.
by wintermute
Sat Nov 07, 2015 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: ALLY Bank and the new tier announcement
Replies: 128
Views: 31596

Re: ALLY Bank and the new tier announcement

This really annoys me and cost me interest while waiting.
by wintermute
Sat Aug 15, 2015 5:35 pm
Forum: Investing - Theory, News & General
Topic: Short-Term Investment Grade Corporate Bond Funds
Replies: 12
Views: 2914

Re: Short-Term Investment Grade Corporate Bond Funds

I've considered short-term investment grade (VFSUX) and the higher credit-rating VBIRX. Looking at what happened to VFSUX in 2008, a nearly 2% yield does not seem adequate. Then comparing VBIRX (~1.2% SEC yield), it especially doesn't make sense when you can get close to the same yield with CDs or s...
by wintermute
Sat Mar 29, 2014 5:10 pm
Forum: Investing - Theory, News & General
Topic: Advantages in tax inefficient funds
Replies: 14
Views: 1427

Re: Advantages in tax inefficient funds

What I have read, in a few places, is that the market is efficient. One of the efficiencies of the market, includes having an accurate valuation of a fund, including tax costs. The market tends towards efficiency, it's not an absolute. It takes the work of people to make it efficient. I agree, tax ...
by wintermute
Sat Jan 04, 2014 1:47 pm
Forum: Personal Consumer Issues
Topic: Investors beware... account security IS important!
Replies: 89
Views: 13688

Re: Investors beware... account security IS important!

Two factor auth is not "bullet proof". A key logger and/or realtime MITM attack works around that. Also, RSA (the leading producer of such tokens, to my knowledge) was compromised a couple years ago. I know at least one mega corp that didn't bother to replace their tokens after the seeds w...
by wintermute
Tue Dec 10, 2013 9:29 am
Forum: Personal Consumer Issues
Topic: My experience with "Big Death"
Replies: 32
Views: 4732

Re: My experience with "Big Death"

It seems like MBA's have been piling into industries where demand is relatively price inelastic and regulations have created entry barriers: healthcare, funerals. I wonder what's next.
by wintermute
Sat Dec 07, 2013 4:50 pm
Forum: Personal Investments
Topic: I just inherited $1 million
Replies: 65
Views: 13441

Re: I just inherited $1 million

First things first DON"T DO ANYTHING until your wife and you have thought everything out. 1 mill. is a lot, but is easily lost for those who don't know what they are doing. This is really important. Don't make any big purchases or life changes, for 3-6 months. I have a family member who spent ...
by wintermute
Sat Dec 07, 2013 3:31 pm
Forum: Personal Investments
Topic: I just inherited $1 million
Replies: 65
Views: 13441

Re: I just inherited $1 million

The last thing on earth you would want to do is give it to a "broker". Watch the movie Boiler Room.
by wintermute
Wed Nov 20, 2013 3:34 pm
Forum: Personal Investments
Topic: Employers Enron-esque 401k cause for concern?
Replies: 22
Views: 2102

Re: Employers Enron-esque 401k cause for concern?

ddeigert wrote: -Company match vests 20% over a five year period
Do you mean the vesting increases by 20% per year (20, 40, 60, 80, 100), or after 5 years, you're only 20% vested?