Search found 2797 matches

by am
Wed Jan 16, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: 100k funds from closed ally cd needs a home.
Replies: 13
Views: 1273

Re: 100k funds from closed ally cd needs a home.

Did you get an email saying you were on track to receive a bonus based on your 100k? Just asking cause I got one back in November but haven't since? No, nothing recent. But I had email correspondence with customer service that confirmed that I was ok closing the cd today and that I would still get ...
by am
Wed Jan 16, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: 100k funds from closed ally cd needs a home.
Replies: 13
Views: 1273

Re: 100k funds from closed ally cd needs a home.

Did you get an email saying you were on track to receive a bonus based on your 100k? Just asking cause I got one back in November but haven't since? No, nothing recent. But I had email correspondence with customer service that confirmed that I was ok closing the cd today and that I would still get ...
by am
Wed Jan 16, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: 100k funds from closed ally cd needs a home.
Replies: 13
Views: 1273

100k funds from closed ally cd needs a home.

I closed my ally cd as part of the bonus promotion today. I’m looking for a place to invest the funds. Before the ally bonus the money was in Vang. Int. Term muni for years (32% fed bracket). Now with rates going down and CDs paying competitive rates, I’m wondering if there’s a better place for the ...
by am
Sat Jan 12, 2019 11:12 pm
Forum: Investing - Theory, News & General
Topic: Anyone beating the index instead of buying it?
Replies: 51
Views: 5044

Re: Anyone beating the index instead of buying it?

Most stocks do worse than the s&p 500. Good luck trying to find the few that do.
by am
Sat Jan 12, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Elliptical recommendation under 2k
Replies: 13
Views: 743

Elliptical recommendation under 2k

I am in the market to replace my sole elliptical that is 10+ yrs old. Preferably under 2k, the smaller the better. I was happy with the sole and am leaning towards the e55 model but no one has them in my area to try. Any recommendations?
by am
Fri Jan 11, 2019 10:32 pm
Forum: Investing - Theory, News & General
Topic: Who has the highest allocation to international stocks?
Replies: 65
Views: 5752

Re: Who has the highest allocation to international stocks?

40% international. Still waiting for it to have a big run. Hopefully get me to the finish line since I’m buying low and lower all the time,
by am
Fri Jan 11, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Ally bonus question
Replies: 26
Views: 3284

Re: Ally bonus question

My plan had been to leave the money (separate accounts for my wife and i with separate log-in’s) until the bonus posts. I’ve not touched either of our Ally accounts (no $ in or out) since we made the qualifying deposit. My worry with busting the CD’s on Jan 16th and moving the funds is that the CD’...
by am
Thu Jan 10, 2019 8:35 pm
Forum: Investing - Theory, News & General
Topic: Lithium etf (LIT)
Replies: 7
Views: 922

Re: Lithium etf (LIT)

rafkg29 wrote:
Thu Jan 10, 2019 7:53 pm
Thoughts on the lithium etf? I prospect that it could do quite well over time.
Most on this site like to buy all the stocks by indexing, instead of trying to pick the winners. What makes you think it will do well? Most are wrong when it comes to predicting the markets.
by am
Wed Jan 09, 2019 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Ally bonus question
Replies: 26
Views: 3284

Re: Ally bonus question

Withdrawing on Jan. 15. Actually I have a c/c bill due on Jan. 14, so I will initiate a pull from the c/c that day, which hopefully won't register at the Ally end for a day or so. Through Jan 15th. . That means no withdrawals until the 16th or bonus gets reduced. "Any withdrawals prior to 01/15/19 ...
by am
Wed Jan 09, 2019 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Ally bonus question
Replies: 26
Views: 3284

Re: Ally bonus question

If one reads the rules, you do not have to have the CD open, just one account. Not that complex... https://www.allypaybacktime.com/rules I’ve got 5 different savings account, if I close the cd on Jan 15th, will the bonus post to one of the savings accounts or does the bonus post to the original acc...
by am
Wed Jan 09, 2019 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Ally bonus question
Replies: 26
Views: 3284

Ally bonus question

January 15th is coming close and I’m eager to move my money out of Ally. According to what I read, money has to be kept at Ally until Jan 15 to receive the bonus, I have a no penalty CD right now which I plan on closing on Jan 16th and then transferring the money out. But I do not want to jeopardize...
by am
Tue Jan 01, 2019 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else in frontier markets?
Replies: 31
Views: 1540

Re: Anyone else in frontier markets?

I wonder if there is going to be a corruption, govt. manipulation, lack of transparency factor added to the usual small value, Momentum etc as it applies to the frontier markets :D ?
by am
Tue Jan 01, 2019 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else in frontier markets?
Replies: 31
Views: 1540

Re: Anyone else in frontier markets?

I remember previous discussions of investing in frontiers led to the conclusion not to. Why make the portfolio more complex, and expensive?
by am
Fri Dec 28, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone have experience with Chase Investment?
Replies: 18
Views: 864

Re: Anyone have experience with Chase Investment?

No problems or fees. My VTI etf is parked there for the long term (low 6 figures). I use the mutual find at vanguard for new contributions.I am set to get 60k points and have a nice premium checking account without fees. No downsides I am aware of.
by am
Thu Dec 27, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 279
Views: 39278

Re: Vanguard Municipal Money Market VMSXX 1.39%

UpperNwGuy wrote:
Thu Dec 27, 2018 4:59 pm
We're up to 1.60% on the Municipal Money Market as of December 27. For comparison the Prime Money Market is at 2.41%. Seems to me that Prime is the better deal for most folk.
At 32% bracket roughly 2.35 tey. Not sure its worth switching to prime?
by am
Thu Dec 27, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: The case for China A-Shares
Replies: 22
Views: 1489

Re: The case for China A-Shares

I remember reading about gov. Market manipulations, lack of transparency and corruption. Maybe this contributes to the lack of correlation :D ?
by am
Thu Dec 27, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: 85% of trading is on autopilot-wsj article
Replies: 14
Views: 2010

Re: 85% of trading is on autopilot-wsj article

Which non-human entities devise the algorithms, program the machines, and arrange for them to be located at market computer centers to minimize communication time? PJW 85% of trading volume is rule based and disciplined. I doubt this was the case for past decades. Much more retail investor impulsiv...
by am
Thu Dec 27, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: 85% of trading is on autopilot-wsj article
Replies: 14
Views: 2010

Re: 85% of trading is on autopilot-wsj article

Seems like the volatility is exaggerated with big 2-3% drops and yesterday’s surge and little else of recent. Reminds me of 2008. I wonder if future long term returns will be effected given the majority autopilot trading with little human emotion, quirks and impulsivity seen of past decades? Chasing...
by am
Wed Dec 26, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: 85% of trading is on autopilot-wsj article
Replies: 14
Views: 2010

85% of trading is on autopilot-wsj article

https://www.wsj.com/articles/behind-the-market-swoon-the-herdlike-behavior-of-computerized-trading-11545785641 Does anyone think that having 85% of trading volume controlled by machines, models or passive investing formulas is concerning? Seems to me that this could spell trouble for us retail inves...
by am
Tue Dec 25, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: Tax surprise - Enhances bear market selloff?
Replies: 4
Views: 849

Re: Tax surprise - Enhances bear market selloff?

I bet the ones tanking the market are the big institutional investors who account for the majority of volume. Their performance is scrutinized frequently. They can’t sfford to be buy and holders,
by am
Mon Dec 24, 2018 10:15 pm
Forum: Investing - Theory, News & General
Topic: Are we officially in bear market ?
Replies: 79
Views: 9728

Re: Are we officially in bear market ?

Possibly this can't be answered given the forum rules, but I wonder how much the chaos in Washington about financial matters is the cause of investor anxiety? Also, separately, recently someone started a thread wondering why so few new CDs were available at Vanguard, and people including myself sai...
by am
Mon Dec 24, 2018 9:20 pm
Forum: Investing - Theory, News & General
Topic: Are we officially in bear market ?
Replies: 79
Views: 9728

Re: Are we officially in bear market ?

Yes, everything I’ve read has confirmed it. Nice to get it over with. This one seems to be all about worries and little substance.
by am
Wed Dec 05, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 14543

Re: Retirement itch- when did you get it?

As an MD, I think about early retirement (early-mid 50s) all the time. I worry that because it is all consuming and has been my life for years, that I’l feel empty or lack purpose if I just completely get out. But the stress, long hours, corporate bs, productivity quotas and liability will make leav...
by am
Fri Nov 30, 2018 10:18 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Munis Increasingly Risky
Replies: 94
Views: 9184

Re: Larry Swedroe: Munis Increasingly Risky

If you buy a fund, like VWIUX, you need not worry about the tiny (0.03% in a Moody's report) default risk of A rated munis.Risk of AA was lower. https://www.gpo.gov/fdsys/pkg/CRPT-110hrpt835/html/CRPT-110hrpt835.htm If your fund holds one of them and the value goes to zero then you lose only that s...
by am
Wed Nov 28, 2018 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds - what's the consensus for this cycle?
Replies: 11
Views: 2851

Re: I-Bonds - what's the consensus for this cycle?

I bought some for the first time. I think .5% return above inflation and tax deferral without risk is a good deal. Will buy some more next year.
by am
Mon Nov 26, 2018 10:01 pm
Forum: Investing - Theory, News & General
Topic: Worst investing year ever....
Replies: 103
Views: 17434

Re: Worst investing year ever....

z3r0c00l wrote:
Mon Nov 26, 2018 9:28 pm
Well it was both boring and underwhelming, but I would take 2018 over 1930 any day.
It’s not over yet. A lot can happen in the last month.
by am
Mon Nov 26, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: Anyone invest in Vanguard's Health Care Fund?
Replies: 20
Views: 1805

Re: Anyone invest in Vanguard's Health Care Fund?

For some odd reason, I am seriously intrigued by this fund. It's returned 16.52% since inception in 1984. I am 100% in index funds, but I am considering investing part of my Roth contributions for 2019 in this fund. Investing in this fund seems to be against every Boglehead principle out there, so ...
by am
Sun Nov 25, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: You’re Not As Rich As You Think You Are, And That’s Okay
Replies: 20
Views: 6092

Re: You’re Not As Rich As You Think You Are, And That’s Okay

JoMoney wrote:
Sun Nov 25, 2018 12:17 am
Pretty sure the 4% SWR was back-tested through periods of market highs as well, but maybe "this time is different" ;)
What did humans and their emotions change? There is no this time is different when markets operate as they should.
by am
Sun Nov 25, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Planning a trip to Iceland with kids
Replies: 12
Views: 1399

Planning a trip to Iceland with kids

Has anyone taken a trip for a week to Iceland with kids (mine 8-15 y/o?)? The flights from my city are red eyes but only 6 hours. We were planning on taking tours most days out of Reykjavik and using the public pools. Was the week interesting and enjoyable? Any tips or suggestions? Thanks.
by am
Sat Nov 24, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Small Value: 15 years of underperforming
Replies: 143
Views: 11672

Re: Small Value: 15 years of underperforming

Bogleheads: Inasmuch as this forum is dedicated to "Investing Advice Inspired by Jack Bogle," it is useful to listen to what he has to say: "The biggest mistake investors make is looking backward at performance and thinking it’ll recur in the future." https://www.aaii.com/journal/article/common-inv...
by am
Fri Nov 23, 2018 9:07 pm
Forum: Investing - Theory, News & General
Topic: ?Admiral share availability in other brokerages?[Yes, after a few weeks they are now appearing at other brokerages.]
Replies: 35
Views: 3687

Re: ?Admiral share availability in other brokerages?

Couldn’t buy total int or total stock this am at chase you invest. The admiral shares weren’t available and the investor shares were closed. Maybe temporary?
by am
Fri Nov 23, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 75
Views: 6230

Re: You Invest from JP Morgan [free trades offer]

The only problem I had was when I tried to buy vanguard total us and int admiral mutual funds this morning. The system would not let me buy the funds. This is because Vanguard restricts admiral funds, not Chase. Hopefully this will change now that Vanguard is closing investor shares. The investor s...
by am
Fri Nov 23, 2018 8:44 pm
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 75
Views: 6230

Re: You Invest from JP Morgan [free trades offer]

My experience with Chase's You Invest has, in general, been very positive. It's a low-maintenance, easy-to-use format with a simpler focus than other brokerage houses (for better and for worse). Fees have been non-existent -- haven't paid for a single thing yet. I'm a Premier Checking customer with...
by am
Tue Nov 20, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: Regulators are investigating whether Bitcoin was propped up illegally
Replies: 30
Views: 2075

Re: Regulators are investigating whether Bitcoin was propped up illegally

Anyone still buying bitcoin?

I got caught up and bought some last Oct but quickly sold when I came to my senses. Anyone think bitcoin could have another rally in store or is the end?
by am
Mon Nov 19, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Munis Increasingly Risky
Replies: 94
Views: 9184

Re: Larry Swedroe: Munis Increasingly Risky

I am increasingly concerned about investing in vanguards interm. Muni fund which I’ve done for years. It’s like I’m seeing a disaster coming closer and not doing anything about it. If stocks were falling, I’d be ok buying more. For some reason, I expect my bonds to be more stable. Primarily for shor...
by am
Sun Nov 18, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 6738

Re: Best headphones under 500 bucks

I went with the Sony WH1000XM3 Wireless Industry Leading Noise Canceling Over Ear Headphones, Black (WH-1000XM3/B) (2018 model) for 348 dollars. Have had them for about a week and real happy. Sound quality and comfort are perfect for me.
by am
Sun Nov 18, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 222
Views: 29625

Re: [Financial] Habits of the Rich

I seems like a sad state of affairs to think 1 year in your 20s is worth 10 in your 50s. Hmmm.. are you sure is not exactly the opposite? I definitely hope 20s are not comparable with my 50s :D Obviously the exact number for exemplification only. Maybe is 3 or 5 but the idea remains. Do you know ma...
by am
Sun Nov 18, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Veterans business bonds 5%
Replies: 4
Views: 374

Re: Veterans business bonds 5%

Did you download the prospectus and carefully read about the risks? It’s not insured, you can lose money. You are providing funding and relying on Streetshares to correctly underwrite the investment. If you are being paid 5%, how much is StreetShares making? I did not see the link for the prospectu...
by am
Sun Nov 18, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Veterans business bonds 5%
Replies: 4
Views: 374

Veterans business bonds 5%

https://streetshares.com/landing/vetera ... Newsletter

Anyone know if this is worth considering?
by am
Wed Nov 14, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 92
Views: 10383

Re: You Invest by JP Morgan Chase

I had no problem doing a partial transfer through the branch. It took less than a week. But the cost basis data is not available yet but it’s only been one day? Do they post it later? With ACATS transfers, yes -- the cost basis data arrives in 2-3 days. But double check ! Ok, thanks. My etf wasn’t ...
by am
Wed Nov 14, 2018 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 92
Views: 10383

Re: You Invest by JP Morgan Chase

Extremely frustrating experience so far: - No support for partial transfers online - For partial transfers, must do in paper, obtain notarization, and send in US Mail. No option for fax/email - No reimbursement for account transfer fees I completed all these steps, mailing off the transfer form on ...
by am
Mon Nov 12, 2018 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 92
Views: 10383

Re: You Invest by JP Morgan Chase

Can anyone confirm that $5000 in a Youinvest IRA counts as an investment balance for the purpose of getting their checking account monthly minimum and fee waived? I don't believe retirement accounts count towards the minimum. They don’t for the purpose of obtaining a Sapphire bonus. However I canno...
by am
Mon Nov 12, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: State retirement pensions thoughts?
Replies: 36
Views: 3839

Re: State retirement pensions thoughts?

https://www.pbs.org/wgbh/frontline/film/the-pension-gamble/ Here’s a nice documentary on Kentucky’s pension woes. Looks like there is already a short term danger of not paying obligations and major budget cuts. It’s hard to believe how badly the pension fund was managed. If only they did a 3 funder...
by am
Sun Nov 11, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: State retirement pensions thoughts?
Replies: 36
Views: 3839

Re: State retirement pensions thoughts?

https://www.pbs.org/wgbh/frontline/film/the-pension-gamble/ Here’s a nice documentary on Kentucky’s pension woes. Looks like there is already a short term danger of not paying obligations and major budget cuts. It’s hard to believe how badly the pension fund was managed. If only they did a 3 funder ...
by am
Sun Nov 11, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: State retirement pensions thoughts?
Replies: 36
Views: 3839

Re: State retirement pensions thoughts?

Even if the state pension is underfunded the employer(state) has an obligation to pay the state pensioners retirement pension in full, by law! So even if the pension plan has been mismanaged, the employer must still pay the pension in full. How? By raising taxes is one way. Reducing the state budge...
by am
Sat Nov 10, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: State retirement pensions thoughts?
Replies: 36
Views: 3839

Re: State retirement pensions thoughts?

Nobody can know for sure, but there is a near 0% chance anything drastic happens. Likely the benefits will get tweaked down a small bit going forward at some point, but they won't alter anything already earned under current formula. Even in really bad situations, the state plans will get bailed out...
by am
Fri Nov 09, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: State retirement pensions thoughts?
Replies: 36
Views: 3839

Re: State retirement pensions thoughts?

I also have a small pension in an underfunded state where benefits are protected by constitution. I’m also grandfathered into tier 1 which is the most generous old timer plan. I think there will likely not be any reduction in benefits. The cash flow from the state contribution + new workers contribu...
by am
Thu Nov 08, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: What to use for taxable fixed income- high bracket don’t like munis
Replies: 4
Views: 685

What to use for taxable fixed income- high bracket don’t like munis

I am in high tax bracket, don’t like munis much and was hoping for some ideas for fixed income taxable? Right now I’m doing an Ally CD until Jan after which my bonus should post. I also have some I bonds. I was wondering where I should place the low six figure sum once the Ally CD ends? I’ve had my ...