Search found 2180 matches

by Ketawa
Thu Nov 07, 2019 1:15 pm
Forum: Investing - Theory, News & General
Topic: US Bonds in free fall
Replies: 46
Views: 4664

Re: US Bonds in free fall

Do we see more downside for Bonds from this point? Did you take profits (market timing I know)? If you did not take profits what do you intend to do if your bonds have negative real yields and you are losing money. LTPZ has also been falling, indicating that real yields are higher now. People who h...
by Ketawa
Tue Oct 29, 2019 7:44 pm
Forum: Personal Investments
Topic: Extend Duration from Zero (G Fund) to Intermediate Term (G Fund/LT Treasury ETF)?
Replies: 9
Views: 707

Re: Extend Duration from Zero (G Fund) to Intermediate Term (G Fund/LT Treasury ETF)?

Putting to paper a few more of my thoughts after some analysis: Slim pickings for long term TIPS funds. LTPZ has a duration of 21.5 years and holds the 10 TIPS maturing in 20+ years. If I wanted to use TIPS, it would be better to hold them individually to save on the ER and more efficiently hit a ta...
by Ketawa
Mon Oct 28, 2019 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: AMEX Platinum Card - Review?
Replies: 47
Views: 2809

Re: AMEX Platinum Card - Review?

Being in the military, if you are going to start down this path, you should probably focus on other cards first. You can get any Chase and U.S. Bank cards without an annual fee, and it is more difficult to be approved for their cards than it is for Amex. I would focus on Chase cards due to the 5/24 ...
by Ketawa
Sat Oct 26, 2019 5:06 pm
Forum: Personal Investments
Topic: Extend Duration from Zero (G Fund) to Intermediate Term (G Fund/LT Treasury ETF)?
Replies: 9
Views: 707

Re: Extend Duration from Zero (G Fund) to Intermediate Term (G Fund/LT Treasury ETF)?

Thinking about this some more, I will also consider holding individual long-term TIPS or PIMCO 15+ Year US TIPS Index Fund (LTPZ). TIPS would eliminate the risk of unexpected inflation. I can purchase individual TIPS at auction or buy/sell them on the secondary market without a commission at Fidelit...
by Ketawa
Sat Oct 26, 2019 1:21 pm
Forum: Personal Investments
Topic: Extend Duration from Zero (G Fund) to Intermediate Term (G Fund/LT Treasury ETF)?
Replies: 9
Views: 707

Re: Extend Duration from Zero (G Fund) to Intermediate Term (G Fund/LT Treasury ETF)?

I ran some numbers through Portfolio Visualizer using a variety of portfolios. I can't link to them because they use my imported G Fund data series. I picked the longest time periods I could find where interest rates were slightly rising. Longest time period available for my actual portfolio, which ...
by Ketawa
Sat Oct 26, 2019 10:15 am
Forum: Personal Investments
Topic: Extend Duration from Zero (G Fund) to Intermediate Term (G Fund/LT Treasury ETF)?
Replies: 9
Views: 707

Re: Extend Duration from Zero (G Fund) to Intermediate Term (G Fund/LT Treasury ETF)?

I also think that the term risk you are considering is not worth the additional yield at this time. Just about a year ago, it would have been worth considering, with intermediates yielding more than 3%. Obviously I have no idea which way interest rates will go but there have been fairly large movem...
by Ketawa
Sat Oct 26, 2019 10:06 am
Forum: Personal Investments
Topic: Extend Duration from Zero (G Fund) to Intermediate Term (G Fund/LT Treasury ETF)?
Replies: 9
Views: 707

Re: Extend Duration from Zero (G Fund) to Intermediate Term (G Fund/LT Treasury ETF)?

An obvious reaction is that what you do with a few percent of your portfolio won't matter enough to worry about. A related reaction is that what you buy in bonds at 15% of your portfolio won't matter very much. Over against that is the presumed result of portfolio theory that the optimum bond diver...
by Ketawa
Fri Oct 25, 2019 2:12 pm
Forum: Personal Investments
Topic: Extend Duration from Zero (G Fund) to Intermediate Term (G Fund/LT Treasury ETF)?
Replies: 9
Views: 707

Extend Duration from Zero (G Fund) to Intermediate Term (G Fund/LT Treasury ETF)?

I will be investing in a taxable brokerage account soon. With the availability of free ETF trades, I am considering whether to add an allocation to long-term Treasuries in order to extend the duration of my fixed income holdings for theoretical correlation or "flight to quality" benefits, if they ma...
by Ketawa
Wed Oct 23, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Another 401k loan question
Replies: 10
Views: 455

Re: Another 401k loan question

Secondly, I do not advise to linger on the loan for too long. Yes you are "paying yourself", but you are doing so with after-tax dollars, and while your loan is repaid the investments have been moved into a sort of 'stable value' fund and not invested in the market. You don't want to be out of the ...
by Ketawa
Wed Oct 23, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Another 401k loan question
Replies: 10
Views: 455

Re: Another 401k loan question

Do you normally max your 401k contributions? If you do max your 401k, then I would continue to max it and pay off the 401k loan when you can. In the event of job loss, I would use a combination of my emergency fund and Roth IRA contributions to pay off the loan. The reason for this is that I would p...
by Ketawa
Wed Oct 23, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Cash Back Bonuses - Race to $10k
Replies: 28
Views: 5161

Re: Cash Back Bonuses - Race to $10k

I started chasing CC bonuses seriously at the start of 2014. It took me until September 2015 to hit about $10K in value. I'm cheating and including miles/points rewards at conservative valuations. Barlays Arrival Plus: $400 Chase Southwest Plus: 50K miles = $700 Citi AAdvantage Platinum Select: 30K ...
by Ketawa
Mon Oct 21, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Email Compromised On The Dark Web
Replies: 20
Views: 3599

Re: Email Compromised On The Dark Web

These notifications mean very little. It isn't your email address that is compromised. It is your account on some web site for which your email address is the login. Without knowing which account, the notifications are useless to someone who is already using a password manager and isn't reusing pass...
by Ketawa
Fri Oct 18, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: Key Ring
Replies: 11
Views: 1431

Re: Key Ring

I use this FreeKey thing to add/remove my car keys almost every day from my apartment key fob since I live in a big city and don't want to bother carrying the car keys if I'm not planning to drive anywhere. FreeKey 2825 Key Hook System with 3 Group Rings
by Ketawa
Thu Oct 17, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Personal vs 401k loan
Replies: 20
Views: 951

Re: Personal vs 401k loan

I guess my thought was that yes, its not ideal to take from your 401k. But putting that aside, the financial cost of doing so is loss of earnings from the money while it's out of the market. So the real impact is 3-4% per year on lost earnings, which is less than the 6% interest on a private loan. ...
by Ketawa
Thu Oct 17, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Personal vs 401k loan
Replies: 20
Views: 951

Re: Personal vs 401k loan

If you had a personal loan at 6%, would you be paying it off ASAP, or would you be contributing to your 401k (beyond the match)? The answer to that question will tell you whether you should prefer taking out a personal loan or a 401k loan. Other than the potential impacts of job loss to repaying the...
by Ketawa
Wed Sep 18, 2019 4:49 pm
Forum: Personal Investments
Topic: Recharacterized Roth IRA contribution to Traditional, now receiving unexpected bonus, options?
Replies: 8
Views: 362

Re: Recharacterized Roth IRA contribution to Traditional, now receiving unexpected bonus, options?

FiveK wrote:
Wed Sep 18, 2019 4:06 pm
Can't imagine what "unable to accept another bonus" means...?
The bonus comes with 4 years of obligated service. If the retention bonus is offered again, I will not be allowed to take it due to having obligated service.
by Ketawa
Wed Sep 18, 2019 1:54 pm
Forum: Personal Investments
Topic: Recharacterized Roth IRA contribution to Traditional, now receiving unexpected bonus, options?
Replies: 8
Views: 362

Re: Recharacterized Roth IRA contribution to Traditional, now receiving unexpected bonus, options?

I want to avoid having non-deductible contributions in my Traditional IRA for which earnings will later be taxed at ordinary income rates. At this point, it seems like my best option is to simply convert the entire ~$10K Traditional IRA to a Roth IRA. Is there anything I'm missing...? If you wait u...
by Ketawa
Wed Sep 18, 2019 1:28 pm
Forum: Personal Investments
Topic: Recharacterized Roth IRA contribution to Traditional, now receiving unexpected bonus, options?
Replies: 8
Views: 362

Re: Recharacterized Roth IRA contribution to Traditional, now receiving unexpected bonus, options?

- I recharacterized my entire Roth IRA contribution for 2019 to a Traditional IRA contribution on 3/1/19. - I recharacterized $4K of my Roth IRA contribution for 2019 to a Traditional IRA contribution on 3/1/19. These two lines in particular are confusing. In these, and perhaps others, should some ...
by Ketawa
Wed Sep 18, 2019 1:01 pm
Forum: Personal Investments
Topic: Recharacterized Roth IRA contribution to Traditional, now receiving unexpected bonus, options?
Replies: 8
Views: 362

Recharacterized Roth IRA contribution to Traditional, now receiving unexpected bonus, options?

I used to use a Roth IRA every year. This year, I realized that I could still deduct in the 22% bracket with a Traditional IRA contribution. I expected my MAGI to be around $60K. The full deduction is allowed with MAGI under $64K. I'm in the military, so my taxable income is very easy to forecast. I...
by Ketawa
Wed Sep 04, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4141
Views: 793065

Re: What's Your Credit Card Rewards Strategy?

I was recently denied for the 2nd time for the U.S. Bank Altitude Reserve. DoctorOfCredit recommends freezing credit reports at Sagestream LLC and Advanced Resolution Services before applying for US Bank cards. Information from those agencies seems to have adverse results, more often than from othe...
by Ketawa
Tue Sep 03, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4141
Views: 793065

Re: What's Your Credit Card Rewards Strategy?

I was recently denied for the 2nd time for the U.S. Bank Altitude Reserve. I opened a U.S. Bank Cash+ card in May 2019. My initial application was denied, then I was approved upon reconsideration. I applied for the U.S. Bank Altitude Reserve in July 2019. My initial application was denied and I did ...
by Ketawa
Thu Aug 29, 2019 10:00 am
Forum: Investing - Theory, News & General
Topic: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]
Replies: 673
Views: 28390

Re: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]

My equities portfolio is heavily tilted to small, value, momentum, and quality. I also have QSPIX, which adds value, momentum, carry, and defensive factors in many asset classes. Between my IRAs and TSP account, I have 8 funds. For how long have you been doing this and how does it compare to the S&...
by Ketawa
Thu Aug 29, 2019 8:59 am
Forum: Investing - Theory, News & General
Topic: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]
Replies: 673
Views: 28390

Re: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]

Second, It doesn't make a whole lot of sense to overweight only Size and Value factors either. Why stop at that, there are six or seven other factors as of today, and who knows how many more they are missing that will be added in a few years from now for completeness (a really convenient term for c...
by Ketawa
Wed Aug 28, 2019 10:01 pm
Forum: Personal Consumer Issues
Topic: Anyone here on Verizon Prepaid? Deprioritization?
Replies: 23
Views: 1930

Re: Anyone here on Verizon Prepaid? Deprioritization?

I am on Verizon prepaid. I occasionally have issues at big events like baseball games or indoor concerts, but I couldn't tell you if that is due to general congestion on the network, poor coverage in certain buildings, or deprioritization for prepaid. I don't know how anyone could definitely say th...
by Ketawa
Wed Aug 28, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: Anyone here on Verizon Prepaid? Deprioritization?
Replies: 23
Views: 1930

Re: Anyone here on Verizon Prepaid? Deprioritization?

I am on Verizon prepaid. I occasionally have issues at big events like baseball games or indoor concerts, but I couldn't tell you if that is due to general congestion on the network, poor coverage in certain buildings, or deprioritization for prepaid. I don't know how anyone could definitely say th...
by Ketawa
Wed Aug 28, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Anyone here on Verizon Prepaid? Deprioritization?
Replies: 23
Views: 1930

Re: Anyone here on Verizon Prepaid? Deprioritization?

I am on Verizon prepaid. I occasionally have issues at big events like baseball games or indoor concerts, but I couldn't tell you if that is due to general congestion on the network, poor coverage in certain buildings, or deprioritization for prepaid. I don't know how anyone could definitely say the...
by Ketawa
Tue Aug 27, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Reviewing auto insurance. Dropping comprehensive and collision. What else?
Replies: 42
Views: 2863

Re: Reviewing auto insurance. Dropping comprehensive and collision. What else?

I called GEICO, and they gave me what seemed like a boilerplate answer that they will look at sources like KBB and adjust upwards or downwards. Ultimately, I decided to purchase collision and comprehensive, as the annual cost is anywhere from about 1.5-2.9% of the insured value for collision and 0.3...
by Ketawa
Tue Aug 27, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Reviewing auto insurance. Dropping comprehensive and collision. What else?
Replies: 42
Views: 2863

Re: Reviewing auto insurance. Dropping comprehensive and collision. What else?

This prompted me to take another look at my auto insurance. I currently have GEICO for: Bodily Injury Liability - $300K/$500K Property Damage Liability - $100K Personal Injury Protection - $100K/$4K/$24K Uninsured Motorist Bodily Injury - $300K/$500K Uninsured Motorist Property Damage - $5K Underins...
by Ketawa
Fri Aug 09, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Cloud Backup solutions for 2019?
Replies: 21
Views: 1149

Re: Cloud Backup solutions for 2019?

The Wirecutter has a guide here: https://thewirecutter.com/reviews/best-online-backup-service/ . I use Arq and back up concurrently to a local external HDD and a remote Backblaze B2 bucket. This page on the Arq web site compares and walks through some of the options. https://www.arqbackup.com/docume...
by Ketawa
Thu Aug 08, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4141
Views: 793065

Re: What's Your Credit Card Rewards Strategy?

I don't consider transfers from Marriott to United to be a great value (these kinds of transfers almost never are), but if you're just doing a small transfer to "top off" for an award, it's ok. Marriott Bonvoy has its issues, but I've found some very good uses of their points. Marriott hasn't gone ...
by Ketawa
Thu Aug 08, 2019 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4141
Views: 793065

Re: What's Your Credit Card Rewards Strategy?

Yes, using "round trip" or more accurately, as you've noted, "multi-city" is *the* way to do this. What you are describing is called an "open jaw" route: A ->B, and then C->A. International flights are notorious for bad "one way" pricing. (That's why for trans-ocean cruises, one typically either us...
by Ketawa
Thu Aug 08, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4141
Views: 793065

Re: What's Your Credit Card Rewards Strategy?

This post morphed into something else as I was writing it, less about credit card rewards than about booking travel. It seems like an ok fit for this thread anyway. I recently used some Marriott points to top off my United Airlines balance enough to purchase a couple transatlantic flights to/from Eu...
by Ketawa
Fri Aug 02, 2019 2:14 pm
Forum: Investing - Theory, News & General
Topic: Adding momentum to a small cap value portfolio. Does it make sense?
Replies: 33
Views: 1787

Re: Adding momentum to a small cap value portfolio. Does it make sense?

1 and 2: There is no guarantee . 1 and 2: agree Which is why I wrote that "_____ investors are not investing in _____ based on a prediction that _____ is guaranteed to outperform _____ over a particular time period." (emphasis added) Then you countered with "Yes they are." I'm glad we agree after a...
by Ketawa
Fri Aug 02, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans to Launch Commodities Fund
Replies: 195
Views: 23921

Re: Vanguard Announces Plans to Launch Commodities Fund

I would prefer taxable. Commodities are volatile but IMO aren't expected to return as much in the long run as equities or bonds. So the little bit of tax efficiency in the percentage of taxation (more favorable tax percentages for capital gains on stocks than there are on commodities) is dwarfed by...
by Ketawa
Fri Aug 02, 2019 1:37 pm
Forum: Investing - Theory, News & General
Topic: Adding momentum to a small cap value portfolio. Does it make sense?
Replies: 33
Views: 1787

Re: Adding momentum to a small cap value portfolio. Does it make sense?

1. Yes they are. They wan't to make more money either through direct out-performance or re-balancing. 2. Yes they are. Long-term they expect stocks to win. 3. No they aren't. Even the Beta factor has a close to zero expected return at any given moment. The longer it's held, the higher the expected ...
by Ketawa
Fri Aug 02, 2019 1:07 pm
Forum: Investing - Theory, News & General
Topic: Adding momentum to a small cap value portfolio. Does it make sense?
Replies: 33
Views: 1787

Re: Adding momentum to a small cap value portfolio. Does it make sense?

...unless you are relative certain that the new factor will outperform both the old factor and the total market over the time interval between now and when you change again. If momentum is going to beat the market this year, obviously, one should put 100% of their portfolio into momentum. This isn'...
by Ketawa
Fri Aug 02, 2019 12:50 pm
Forum: Investing - Theory, News & General
Topic: Adding momentum to a small cap value portfolio. Does it make sense?
Replies: 33
Views: 1787

Re: Adding momentum to a small cap value portfolio. Does it make sense?

...unless you are relative certain that the new factor will outperform both the old factor and the total market over the time interval between now and when you change again. If momentum is going to beat the market this year, obviously, one should put 100% of their portfolio into momentum. This isn'...
by Ketawa
Fri Aug 02, 2019 12:45 pm
Forum: Investing - Theory, News & General
Topic: Adding momentum to a small cap value portfolio. Does it make sense?
Replies: 33
Views: 1787

Re: Adding momentum to a small cap value portfolio. Does it make sense?

The more tilts you add, the more you end up approximating total market. If you are currently 100% small value, yes, I would diversify. Simply untrue. I have held QSMLX since March 2015, and it loads on small, value, momentum, and quality factors. I can tell you it looks nothing like Vanguard Total ...
by Ketawa
Fri Jul 26, 2019 8:28 am
Forum: Personal Investments
Topic: Can I have TSP & Roth TSP?
Replies: 3
Views: 314

Re: Can I have TSP & Roth TSP?

You can use both types in the same year, combined limit of $19K.
by Ketawa
Tue Jul 23, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Paying Off Mortgage Question
Replies: 77
Views: 6938

Re: Paying Off Mortgage Question

Hey everyone, so I recently listened to an intriguing ChooseFI episode focused on how or whether to pay off your mortgage on the path to financial independence. The idea was that if you have extra money available every month, to put into a stock index (VTSAX) instead of the mortgage payment, and us...
by Ketawa
Mon Jul 22, 2019 4:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans to Launch Commodities Fund
Replies: 195
Views: 23921

Re: Vanguard Announces Plans to Launch Commodities Fund

Bill1952 wrote:
Mon Jul 22, 2019 11:05 am
If one were to add VCMDX, any thoughts on appropriate portfolio location (IRA versus taxable)?
It'll likely be appropriate only for tax-advantaged accounts.
by Ketawa
Fri Jul 19, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 8887

Re: Do you buy cellphone outright or pay over 2 years?

One benefit to financing the cost that I have taken advantage of is having it available as a means to generate spend for a credit card signup bonus. For example, $5K in 3 months can be challenging for me to meet unless I shift all my spending, to include 6% cash back on groceries, to the new card. I...
by Ketawa
Thu Jul 18, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: The New Dropbox Instead of Carbonite
Replies: 6
Views: 704

Re: The New Dropbox Instead of Carbonite

Dropbox has always had the ability to restore deleted files. It's probably still not suitable for a backup solution with this change. You should probably stick with Carbonite. I don't know why you would need paid Dropbox. I run Arq backed up to a local external hard drive and a Backblaze B2 bucket, ...
by Ketawa
Sun Jul 14, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?
Replies: 43
Views: 4711

Re: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?

6-month renewal update - my premium with GEICO has remained exactly the same, $269. USAA is quoting me $508 for similar coverages. I intend to cancel my renters and valuable personal property policies with USAA so I can get $1400 out of my subscriber's account and sell what might as well be an indi...
by Ketawa
Sun Jul 14, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?
Replies: 43
Views: 4711

Re: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?

6-month renewal update - my premium with GEICO has remained exactly the same, $269. USAA is quoting me $508 for similar coverages. I intend to cancel my renters and valuable personal property policies with USAA so I can get $1400 out of my subscriber's account and sell what might as well be an indiv...
by Ketawa
Tue Jul 09, 2019 2:59 pm
Forum: Personal Investments
Topic: Frequency of 401k contributions - frontloading versus quateraly
Replies: 13
Views: 883

Re: Frequency of 401k contributions - frontloading versus quateraly

This is similar to the question of whether to invest a lump sum all at once or use DCA, spreading it out over time. Sometimes, it can make sense to DCA if you need to take some time to reassess whether you need to change your plan or asset allocation. However, if your cash flow supports it and you h...
by Ketawa
Mon Jul 08, 2019 11:59 am
Forum: Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 82
Views: 17636

Re: Merrill Edge best choice for higher net worth accounts?

I will probably have to ask Merrill Edge this question, but maybe someone here knows. My IRA is currently at Fidelity and is 100% invested in some AQR funds. I can't tell from the tools available on ME without opening an account whether I can continue to hold them at ME. I have QSPIX, QSMLX, QICLX,...
by Ketawa
Mon Jul 08, 2019 11:35 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1968
Views: 326545

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I think I have asked this before and had it answered, but are there any issues holding AQR funds at Merrill Edge? I have QEELX, QICLX, QSMLX, and QSPIX. I also have their N shares equivalents for free rebalancing: QEENX, QICNX, QSMNX, and QSPNX. Edit - I called Merrill Edge and they said only QSPIX/...
by Ketawa
Mon Jul 08, 2019 11:06 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Historical Imperative For International Diversification
Replies: 347
Views: 20477

Re: Larry Swedroe: The Historical Imperative For International Diversification

I don't mean to question whether this thread is actionable, not explicitly, so I'll ask this question: Has anyone ever changed their mind from one of these threads? I'd think if we had the data, we'd see that Bogleheads have increased allocations to ex-U.S. equities over time. It seems that way sin...
by Ketawa
Sun Jun 23, 2019 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 52
Views: 12343

Re: GEICO rate increase: 49% annualized?!

sterlinga wrote:
Sun Jun 23, 2019 5:35 pm
Next comments will be to the Insurance Commissioner and then ClassAction.org
Seriously, a class action? How is that an appropriate response?

Anyway, I received my first renewal with GEICO. My premium is exactly the same. I'm very pleased. I'm single and live in DC.