Search found 1622 matches

by tludwig23
Thu Mar 22, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Amtrak tickets - change in refund terms
Replies: 16
Views: 1059

Re: Amtrak tickets - change in refund terms

VictoriaF wrote:
Thu Mar 22, 2018 3:20 pm
canderson wrote:
Thu Mar 22, 2018 3:16 pm
These are purposeful changes to make it run like an airline.
I envision conductors throwing disobedient passengers from a train for minor altercations.

Victoria
They should try upgrading their safety record to that of the airlines.
by tludwig23
Thu Mar 22, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Treasury Bills: Treasury Direct or Vanguard / Fidelity
Replies: 18
Views: 2049

Re: Buying Treasury Bills: Treasury Direct or Vanguard / Fidelity

I buy 30-year at auction TIPS bonds through Fidelity. The process is simple, the bonds appear with all my other retirement money, and I don't have to have another account, password, etc. From what I've read, all the financial details are exactly the same either way.
by tludwig23
Fri Feb 16, 2018 7:10 pm
Forum: Investing - Theory, News & General
Topic: MarketWatch article-Vanguard investors kept their cool during stock-market turmoil
Replies: 18
Views: 1711

Re: Vanguard Investors during the downturn

The story includes no comparison nor control group, thus it really doesn't say much.
by tludwig23
Fri Dec 01, 2017 7:29 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 22018

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

It's not a Ponzi scheme.

A Ponzi scheme is a fraudulent investment. Bitcoin is not fraudulent. It is a risky investment, and may depend on the "great fool" theory of price increase, but it doesn't meet the definition of a Ponzi scheme.
by tludwig23
Wed Nov 29, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 156
Views: 18303

Re: Vanguard launching factor-based ETFs/funds

I wonder what the ERs will be for these "low cost, actively managed" funds.
by tludwig23
Wed Nov 29, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: May you rebalance before the correction and...
Replies: 24
Views: 3004

Re: May you rebalance before the correction and...

neilpilot wrote:
Wed Nov 29, 2017 1:38 pm
Maybe you mean "reallocate", as in lower your equity percentage, rather than "rebalance"?
What you suggest would be market timing, no?
by tludwig23
Wed Mar 15, 2017 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 6394

Re: Fidelity vs. Vangard?

My money is at Fidelity because Vanguard won't take it.
by tludwig23
Sat Mar 04, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Beginner-Level Question About Backdoor Roth Contributions
Replies: 3
Views: 514

Re: Beginner-Level Question About Backdoor Roth Contributions

You do NOT have to pay income tax on the amount you contributed (but did not deduct in previous years) to the traditional IRA. You DO have to pay income tax on the gains (from interest, dividends, capital gains, etc.) in the traditional IRA. The 1099-R will list the full amount because the custodian...
by tludwig23
Mon Feb 06, 2017 6:32 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 10359

Re: A Wellesley alternative

Taxable or tax-deferred?
by tludwig23
Mon Feb 06, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan payback question
Replies: 6
Views: 899

Re: Student loan payback question

I would not pull money from the Roth. 9% is a very high rate. I'd pull 6K from the EF and pay it in full. Then I'd add the $300 to whatever you normally put in to build the EF back up. When you're back to $15k in the EF, pay off the 3% loan. Then put the whole $450 towards building your EF back up.
by tludwig23
Sun Jan 08, 2017 11:10 pm
Forum: Investing - Theory, News & General
Topic: Over what time period should stocks NOT lose money
Replies: 50
Views: 5240

Re: Over what time period should stocks NOT lose money

KlangFool wrote:
A) At any point of time, your equity portion could lose 50% of its value.
Then logically at any point in time your equity portion could lose all of its value.
by tludwig23
Mon Jan 02, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for alimony question
Replies: 4
Views: 533

Re: Tax deduction for alimony question

Ah, got it.

Yes, under a separation agreement, but the agreement was signed by both parties and not filed with the court, i.e., it wasn't a legal separation.
by tludwig23
Mon Jan 02, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for alimony question
Replies: 4
Views: 533

Re: Tax deduction for alimony question

The deduction for alimony has to be under a divorce or separation agreement. Were the payments before the divorce under a separation agreement? Do you know you can also agree to reverse the assumption of the statute as to whether it is deductible or not? Gill Prior to June 30th was under an agreeme...
by tludwig23
Mon Jan 02, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for alimony question
Replies: 4
Views: 533

Tax deduction for alimony question

In general alimony paid is tax-deductible for the paying spouse and taxable for the receiving spouse provided a number of conditions are met. Here's a scenario that I'm wondering about... A married couple begins the divorce process and it is agreed that A will pay B $4,000/month in alimony, and A (w...
by tludwig23
Sun Dec 25, 2016 2:06 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 3650

Re: Concept2 Holiday Challenge (indoor rowing)

IFRider wrote:
tludwig23 wrote:200,689 as of 7am. :happy Now I'm on a ferry to Victoria, BC, so no more rowing before Christmas.
205,044 for me tonight. I will probably end up with a few thousand more before the deadline tomorrow.

Good Job and Merry Christmas!
Great job, and Happy Holidays to you also!
by tludwig23
Fri Dec 23, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 3650

Re: Concept2 Holiday Challenge (indoor rowing)

200,689 as of 7am. :happy Now I'm on a ferry to Victoria, BC, so no more rowing before Christmas.
by tludwig23
Thu Dec 22, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 3650

Re: Concept2 Holiday Challenge (indoor rowing)

at 119,860m. I will make it! :D How's it going with two days left? First time ever (I believe) someone is over 2 million meters. Incredible. We rest on Christmas day. :sharebeer 179,000. But I'm out of town on the 24th and no erg at the hotel (I checked), so basically have one night to finish the 2...
by tludwig23
Thu Dec 22, 2016 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Whole life ins. Co. Asks about bankruptcy. questions
Replies: 22
Views: 2603

Re: Whole life ins. Co. Asks about bankruptcy. questions

Maybe a blessing in disguise. Maybe you won't get the whole life policy...

http://whitecoatinvestor.com/debunking- ... -insurance
by tludwig23
Tue Dec 20, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Flying with Norwegian
Replies: 24
Views: 2787

Re: Flying with Norwegian

Being 25+% Danish and 25+% Norwegian, I am 100% confident that the only thing worse than flying with a Norwegian would be flying with a Swede. Ah, Scandinavian humour... Two Norwegians, two Danes, two Swedes and two Finns were stranded on a desert island. After a few days they realized that rescue ...
by tludwig23
Mon Dec 19, 2016 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Another "OMG why did my portfolio fall" question!
Replies: 30
Views: 4847

Re: Another "OMG why did my portfolio fall" question!

livesoft wrote:...I don't have an iPhone with siri, but I would even guess that siri would have great answer, too. :)
Here is what Siri told me, "China Ming Yang Wind Power Grou closed at $2.44 June 22, 2016."
by tludwig23
Sun Dec 18, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 3650

Re: Concept2 Holiday Challenge (indoor rowing)

at 119,860m. I will make it! :D
by tludwig23
Fri Dec 16, 2016 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Good Time To Rebalance a Tad?
Replies: 14
Views: 1619

Re: Good Time To Rebalance a Tad?

SeeMoe wrote:CNBC just interviewed the New York Times Columnist James Stewart who suggests it (AA rebalancing) is a possibility.
What exactly did he say? I read his last couple and didn't see rebalancing mentioned.
by tludwig23
Fri Dec 16, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Good Time To Rebalance a Tad?
Replies: 14
Views: 1619

Re: Good Time To Rebalance a Tad?

This may well be the right move for you but most people would not call a shift of allocation due to changing life circumstances (or even market conditions) "re-balancing." Re-balancing is typically adjusting an allocation that has drifted from the target allocation back to or closer to the original...
by tludwig23
Wed Dec 14, 2016 11:51 pm
Forum: Investing - Theory, News & General
Topic: 3 Fund - should it be more diversified?
Replies: 28
Views: 3762

Re: 3 Fund - should it be more diversified?

Some would argue that a 3 funder is not diversified across factors and therefore is not diversified enough. People may say that, but it doesn't strike me as accurate. Obviously tilting is concentrating your portfolio. A three fund portfolio contains all factors in market proportions so along with v...
by tludwig23
Wed Dec 14, 2016 11:01 pm
Forum: Investing - Theory, News & General
Topic: 3 Fund - should it be more diversified?
Replies: 28
Views: 3762

Re: 3 Fund - should it be more diversified?

am wrote:Some would argue that a 3 funder is not diversified across factors and therefore is not diversified enough.
Please explain what "diversifying across factors" means.
by tludwig23
Wed Dec 14, 2016 10:25 pm
Forum: Investing - Theory, News & General
Topic: Am I over diversifying?
Replies: 21
Views: 2508

Re: Am I over diversifying?

Technically, there is no such thing as over diversifying or pseudodiversifying. You can only reach a maximum amount of diversification and any attempts to go beyond that involves concentration/tilt/pivot. If you were 90% fully diversified and had 10% concentration in Small Cap Value and switch the ...
by tludwig23
Wed Dec 14, 2016 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Fidelity 3 funds
Replies: 9
Views: 2301

Re: Vanguard or Fidelity 3 funds

Agree with above. Buying the Vanguard funds through Fidelity complicates things and adds unnecessary fees. Just buy the Fidelity broad index funds. As to FTIPX not having a track record, so what? It is an index fund. It will follow the MSCI ACWI xUSA index. It isn't like Fidelity is some startup com...
by tludwig23
Wed Dec 14, 2016 9:25 am
Forum: Investing - Theory, News & General
Topic: Am I over diversifying?
Replies: 21
Views: 2508

Re: Am I over diversifying?

You're not over diversifying. You're pseudodiversifying. Unless this is all in taxable and you are using the separate funds as a means of tax loss harvesting the losers and/or donating the big winners, there is no benefit from having these all separated out.
by tludwig23
Tue Dec 13, 2016 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to shift allocation to a bond fund with Fidelity
Replies: 3
Views: 436

Re: Looking to shift allocation to a bond fund with Fidelity

I'm not sure where you are getting your numbers. It is total returns that matter, not yield. In any case, FSITX had annual returns of about 3.9% over the past 10 years, compared with 6.5% for SPHIX. But why have bonds at all at your age? Total Stock Market (FSTVX) had annual returns of 7.1% over the...
by tludwig23
Mon Dec 12, 2016 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your net income do you save (not including 401k/IRA)
Replies: 59
Views: 5942

Re: What % of your net income do you save (not including 401k/IRA)

Outside of tax-advantaged accounts basically nothing. But I can save $65K into tax advantaged accounts. That's enough for me.
by tludwig23
Mon Dec 12, 2016 5:27 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones Annuity Review - Tips before I begin
Replies: 16
Views: 2759

Re: Edward Jones Annuity Review - Tips before I begin

Green_98 wrote: I want to do a thorough review, and make sure he is not getting ripped off.
Let me save you the trouble. He's getting ripped off.
by tludwig23
Mon Dec 12, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 3650

Re: Concept2 Holiday Challenge (indoor rowing)

77,044 The slow way: 11/24/16 11,044m 11/25/16 14,000m 11/26/16 10,000m 11/27/16 10,000m 11/28/16 10,000m 11/30/16 15,000m There are 280 people with over 100k and 1 person with over 400k. I feel like such a slacker :happy I'm a little over 100,000 with 13 days to go. Been doing a lot of intervals o...
by tludwig23
Thu Dec 01, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 3650

Re: Concept2 Holiday Challenge (indoor rowing)

No. I use a Concept2 rower at the gym, but could never row that far in 45 days. I'm a believer (based on research I've seen) that intensity is more important than quantity. That is 8k meters a day everyday! Most of my meters are done as intervals of various intensity, but 8000 per day is certainly ...
by tludwig23
Wed Nov 23, 2016 11:26 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 3650

Re: Concept2 Holiday Challenge (indoor rowing)

No. I use a Concept2 rower at the gym, but could never row that far in 45 days. I'm a believer (based on research I've seen) that intensity is more important than quantity. That is 8k meters a day everyday! Most of my meters are done as intervals of various intensity, but 8000 per day is certainly ...
by tludwig23
Tue Nov 22, 2016 8:02 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 3650

Concept2 Holiday Challenge (indoor rowing)

Anyone else doing the Concept2 Holiday Challenge to row at least 250,000 meters between Thanksgiving and Christmas?
by tludwig23
Sun Nov 20, 2016 6:45 pm
Forum: Personal Consumer Issues
Topic: Energy Drink Alternatives
Replies: 19
Views: 1545

Re: Energy Drink Alternatives

I make my own. DIY. Never the same taste/flavor twice (NTSFT) A tea bag. Steeping will determine the caffeine content. A partial hi- B complex vitamin. A partial vit C NaCl and KCl. A dash of Ca from ground up Ca pill (too much Ca gives me leg cramps) A dash of groundup acetaminophen (used to use a...
by tludwig23
Sat Nov 12, 2016 3:47 am
Forum: Investing - Theory, News & General
Topic: Shark Tank's Kevin O'Leary creates ETF
Replies: 45
Views: 6841

Re: Kevin O'Leary Fund

Low volatility funds are indeed less volatile over the long run. USMV, for example has a beta of only 0.68 compared with 1.00 for VTI. The problem is that fund only has 5 years of history. That's not enough to decide if it truly is less volatile. Logically speaking though, isn't owning the entire m...
by tludwig23
Thu Nov 10, 2016 11:14 pm
Forum: Investing - Theory, News & General
Topic: Shark Tank's Kevin O'Leary creates ETF
Replies: 45
Views: 6841

Re: Kevin O'Leary Fund

He has the correct theory of holding companies with healthy balance sheets and claims that his fund is less volatile than the SP500 which logically doesn't make sense. You can't predict which company will be more volatile in the future so I would guess the SP500 or a Total stock market index is the...
by tludwig23
Thu Nov 10, 2016 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help for former check to check and drowning in debt 30 yr old!
Replies: 15
Views: 2226

Re: Help for former check to check and drowning in debt 30 yr old!

I see, so the different plans affect how I can withdraw the money out of the mutual funds and if I get penalized? Also I assumed mutual funds was when an advisor takes a fee and manages your accounts for you. I read it was better to just pick them yourself and bypass the fee because your results wo...
by tludwig23
Thu Nov 10, 2016 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help for former check to check and drowning in debt 30 yr old!
Replies: 15
Views: 2226

Re: Help for former check to check and drowning in debt 30 yr old!

My question is should I invest in a 401k even tho I won't get a match since I am no longer employed, or should I go with a easy breezy VTSMX? OK, let's start with the basics. A 401k and an IRA are type of retirement plans . VTSMX is a mutual fund. So this isn't an either-or type question. You need ...
by tludwig23
Wed Oct 26, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: Future technology and future inflation
Replies: 9
Views: 1348

Re: Future technology and future inflation

1. Yes, eventually.
2. It shouldn't.
by tludwig23
Sun Oct 16, 2016 4:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3500
Views: 987177

Re: What Movie Have You Recently Watched?

Just saw A Man Called Ove. Very good. I'd highly recommend for anyone.
by tludwig23
Thu Oct 13, 2016 10:37 pm
Forum: Investing - Theory, News & General
Topic: Should we actively invest in International Markets
Replies: 4
Views: 865

Re: Should we actively invest in International Markets

nisiprius wrote:...FM, iShares MSCI Frontier 100 ETF invests in the so-called "frontier markets," markets that are too sketchy even to be called "emerging markets:" ... Luxembourg.
I had never considered Luxembourg to be sketchy in any way.
by tludwig23
Mon Oct 10, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance and Backdating
Replies: 8
Views: 988

Re: Term Life Insurance and Backdating

The probability that you will die in a specific 3 week period seems to be extremely small. I'd save the $800 given your projected overall financial picture at that point.
by tludwig23
Sun Oct 09, 2016 11:33 pm
Forum: Investing - Theory, News & General
Topic: Active vs Passive
Replies: 30
Views: 3281

Re: Active vs Passive

I don't think it's that hard to beat the market. Just pick diversified companies with a track record of success, such as

Eastman Kodak
Circuit City
Blockbuster
Sears
JC Penny
Dell
Borders
Wells Fargo
by tludwig23
Sun Oct 09, 2016 11:25 pm
Forum: Personal Consumer Issues
Topic: Moving to Tri Cities Wa
Replies: 19
Views: 2905

Re: Moving to Tri Cities Wa

A must watch before moving to the Tri Cities:

https://www.youtube.com/watch?v=rbd-xaY ... 5A9900257F
by tludwig23
Sun Oct 09, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: Do we need annual furnace exam?
Replies: 26
Views: 3694

Re: Do we need annual furnace exam?

I'd guess less necessary for an electric furnace. Fewer moving parts, no risk of carbon monoxide poisoning, etc. Changing the filter regularly and visually inspecting the power lines would seem to stave off most problems. I might get it inspected every five years. Something with a gas or oil burner ...
by tludwig23
Sun Oct 09, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Most reliable/safe/bulletproof way to get cash overseas
Replies: 30
Views: 3488

Re: Most reliable/safe/bulletproof way to get cash overseas

There are, BTW, two ATMs at McMurdo Station in Antarctica. Both are owned/operated by Wells Fargo. So you may have the advantage of a few extra accounts when you return. :P