Search found 88 matches

by crswvc
Tue Jan 26, 2021 11:20 pm
Forum: Personal Investments
Topic: What to do with GME holdings?
Replies: 94
Views: 10441

Re: What to do with GME holdings?

OutOfCollegeInvestor wrote: Tue Jan 26, 2021 10:24 pm Can’t make almost $10,000 in a month with VTWAX. My idea is that if a small percentage does very well it can beat the market. And I think renewable energy will be the future
There is always someone willing to gamble and is why I do not fear "what if everyone indexed"
by crswvc
Sun Jan 24, 2021 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Paypal sent me a 1099K
Replies: 67
Views: 8504

Re: paypal

if it annoys you then it is time to stop using paypal
by crswvc
Tue Jan 05, 2021 12:50 am
Forum: Personal Investments
Topic: Expat bank sdfcu
Replies: 3
Views: 331

Expat bank sdfcu

I discovered a credit union wiling to service expats.
State Department Federal Credit Union (SDFCU)
Partnered with americans abroad
https://www.americansabroad.org/

Is any expat using this bank? Is it good?
by crswvc
Tue Jan 05, 2021 12:38 am
Forum: Non-US Investing
Topic: so many issues for US expats ... would forming an investing LLC in the US help?
Replies: 52
Views: 17580

Re: llc

Sounds like a ”family office” type of company.
Perhaps you would be a fit for a virtual private family office.
by crswvc
Tue Dec 29, 2020 5:27 pm
Forum: Personal Investments
Topic: How to get higher returns with secured loans
Replies: 53
Views: 2999

Re: how to get

Sounds like a business of factoring aka buying a cash stream at a discount.
Not a passive investment.
by crswvc
Tue Dec 29, 2020 2:10 pm
Forum: Personal Investments
Topic: What happened to Flagship Reps?
Replies: 85
Views: 7021

Re: flagship rep

stan1 wrote: Tue Dec 29, 2020 11:30 am But why are people calling? Converting a mutual fund to an ETF does require a call. What else cannot be done on the Vanguard website?
I have to call anytime i wish to withdraw cash from my margin loan and transfer it to my bank.
never found a way to do it from their website
by crswvc
Wed Dec 23, 2020 2:28 pm
Forum: Investing - Theory, News & General
Topic: The Robinhood "videogame"
Replies: 163
Views: 17387

Re: robinhood

I refuse to use robinhood as plaid.com is involved
by crswvc
Wed Dec 23, 2020 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use plaid.com?
Replies: 40
Views: 5547

Re: Does anyone use plaid.com

FYI, plaid.com provides a free API to pull banking information. If you use it, can you share how-to or your experience? I read the complete terms and did not receive any warm fuzzies. The amount of data plaid obtains is more than I would give anyone. we also collect your phone number, email address...
by crswvc
Mon Dec 21, 2020 3:58 pm
Forum: Investing - Theory, News & General
Topic: VTI holds $0-1 market cap companies
Replies: 30
Views: 3068

Re: VTI holds $0-1 market cap companies

Northern Flicker wrote: Sun Dec 13, 2020 8:18 pm It is almost surely just a company in or headed for bankruptcy, no doubt illiquid currently, so it will be held until dissolution.
this makes sense, thank you
by crswvc
Sun Dec 13, 2020 4:21 pm
Forum: Investing - Theory, News & General
Topic: VTI holds $0-1 market cap companies
Replies: 30
Views: 3068

VTI holds $0-1 market cap companies

Why would VTI (Vanguard Total Stock Market ETF, same as VTSAX) hold companies with a zero or a single dollar market cap? I understand the idea of holding the haystack but this surprised me. Holdings Shares Market Cap Universal Travel Group(—) 42,843 $0 Frontier Financial Corp.(FTBK) 1 $0 Patriot Nat...
by crswvc
Mon Dec 07, 2020 2:18 pm
Forum: Investing - Theory, News & General
Topic: TESLA Valuation
Replies: 111
Views: 7138

Re: TESLA Valuation

TESLA is a tech company that is going to MARS. It is not just a car company. It is being valued based on 2 planetary economies. Look what Elon Musk is doing: SpaceX = getting to Mars obviously Starlink = planet-wide internet (will be good for enabling easy comms on Mars) These are not part of Tesla...
by crswvc
Mon Dec 07, 2020 2:10 pm
Forum: Investing - Theory, News & General
Topic: TESLA Valuation
Replies: 111
Views: 7138

Re: TESLA Valuation

zie wrote: Mon Dec 07, 2020 1:49 pm For me, Tesla is not only an auto manufacturer, and that has to be considered.
Tesla is:
7) an insurance company

8) ride sharing - using self driving cars
by crswvc
Mon Nov 09, 2020 12:11 pm
Forum: Personal Consumer Issues
Topic: Must See Places in Southern France?
Replies: 40
Views: 2226

must see

dsmclone wrote: Mon Nov 09, 2020 11:53 am Very cool to visit the home of champagne and visit the caves filled with millions of bottles.
That would be fun!
Never been there but I did enjoy visiting the wine caves of milestii mici in chisinau moldova.
by crswvc
Mon Nov 09, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: Must See Places in Southern France?
Replies: 40
Views: 2226

Must see places

Just booked flight to Paris for June. Will be there for 2 weeks. For those who have traveled southern France, what are your favorite places? Depends on what you are interested in. Consider a visit to “Plum Village” a Buddhist meditation. It was founded by two Vietnamese monastics, Thích Nhất Hạnh a...
by crswvc
Sun Aug 30, 2020 7:47 pm
Forum: Personal Investments
Topic: Dump Bonds -- buy AAPL & TSLA split?
Replies: 131
Views: 10820

Re: Dump Bonds -- buy AAPL & TSLA split?

which will kick off at 65, in 17 years, From a previous thread the OP has a portfolio of $2.8 million. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=257804&p=4095484#p4095484 post by konafire » Thu Aug 30, 2018 1:07 pm Recently my wife and I (both around 40 years old) I have a compan...
by crswvc
Sun Aug 30, 2020 12:58 pm
Forum: Personal Investments
Topic: Vanguard craziness RE: Apple
Replies: 31
Views: 4720

Vanguard craziness

stan1 wrote: Sun Aug 30, 2020 11:40 am Perhaps someone can post the name of a brokerage that did have a simultaneous update?
My e-trade account did with four times the shares and the price listed as $124.81
by crswvc
Wed Aug 19, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: What if my renter DOESN’T call me at 3am about the toilet?
Replies: 37
Views: 5529

Re: What if my renter DOESN’T call me at 3am about the toilet?

One problem with "good tenants" is that some of them don't want to disturb you with problems. Sometimes that can lead to a much larger problem. Sometimes telling the owner about a problem leads to a larger problem to the tenant then ignoring the problem One house I rented had termites, I ...
by crswvc
Sat Aug 15, 2020 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Employee Over Paid by Six Digits
Replies: 36
Views: 4168

Preview: Employee over paid

I have found that a large portion of the working population has no clue what they should be getting paid (net/direct deposit amount). That is personal experience from many years in HR. I work for a very large international company and am paid salary so every check should be the same each pay period...
by crswvc
Sat Aug 15, 2020 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Employee Over Paid by Six Digits
Replies: 36
Views: 4168

Preview: Employee over paid

LoveTheBogle wrote: Sat Aug 15, 2020 10:34 pm I’m looking for some boglehead wisdom.
On the flip side if we just fix it going forward then I personally take a big monetary hit that wasn’t my fault what so ever.
Is your company’s hired auditor, that specialize in auditing a company’s books and contracts, benefitting from this?
by crswvc
Sat Aug 15, 2020 10:38 pm
Forum: Investing - Theory, News & General
Topic: The 0.5% Rule (SWR) [Safe Withdrawal Rate]
Replies: 419
Views: 25415

The 0.5% Rule (SWR)

marcopolo wrote: Sat Aug 15, 2020 7:59 pm How would taxes eat 1% If you are only spending 0.5%?
That would be some crazy high effective tax rate!
Welcome to the world of the wealth tax :annoyed
by crswvc
Sun Aug 02, 2020 4:12 pm
Forum: Personal Consumer Issues
Topic: Financially independent, now what?
Replies: 9
Views: 1207

Financially independent, now what?

Now what to do with my life? :confused I grew up officially in poverty, my new clothes were my older brothers old clothes. I decided when I was young that I did not wish to live like that and worked / saved for decades. A while back became a multi-millionaire with only investable assets (excludimg r...
by crswvc
Thu Jul 23, 2020 4:02 pm
Forum: Investing - Theory, News & General
Topic: How does Fed money prop up the markets?
Replies: 15
Views: 1256

Re: How does Fed money prop up the markets?

The fed creates money than what happens? Do they 'give' the money to banks and brokerage houses to loan out at low interest rates. If the Fed buys bonds in the open market, it increases the money supply in the economy by swapping out bonds in exchange for cash to the general public. https://www.inv...
by crswvc
Sun May 10, 2020 4:03 pm
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 50
Views: 4263

Re: Too Much Savings Regret

dukeblue219 wrote: Sun May 10, 2020 2:20 pm Walmart has a 100% match on the first 6% contributed? That absolutely shocks me, but good for them. I've never heard of any major employer matching that high.
Apple Inc also matches 100% on the first 6%
After five years of service
by crswvc
Mon Feb 10, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 434
Views: 32342

Re: Too Much Savings Regret

I had a good time last year (2019) at a chainsmokers concert.
by crswvc
Wed Jan 22, 2020 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pay rent electronically - Fidelity? Other?
Replies: 16
Views: 1168

Re: Rent

MotoTrojan wrote: Wed Jan 22, 2020 9:49 am Any options I am not thinking of?
I pay my rent with Apple Pay Cash, which is sent as a txt message and debits my debit card

I know landlord recevies the money and the landlord gets a txt that the money was sent
by crswvc
Wed Nov 27, 2019 1:36 pm
Forum: Investing - Theory, News & General
Topic: Amazon dumps Vanguard for Fidelity for it 401K plan
Replies: 22
Views: 4638

Re: Amazon dumps Vanguard for Fidelity for it 401K plan

I believe Google uses Vanguard. Let's check some other large tech companies: Apple uses Empower (AKA Great-West Life & Annuity Insurance Company) 117,600 active participants and over $7.4B in plan assets. Cisco uses Fidlity 56,200 active participants and over $11.8B in plan assets. IBM uses Fid...
by crswvc
Mon Apr 22, 2019 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbors sump pump pipe on my property
Replies: 25
Views: 4191

Re: Neighbors

Have him dump the water into a collection tank (possibly underground) that filters the water and feeds:
* grey water uses such as the toilets, grass etc
* a distiller for rest of the house

If extra water is available then bottle it up and sell it
by crswvc
Sun Feb 10, 2019 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: How do I keep from becoming irrelevant
Replies: 57
Views: 8394

Re: How do I keep from becoming irrelevant

Lately I find myself working for good health insurance, as I don't need the money to pay the bills.
I would work for minimum wage (not legal to work for free AND get good health insurance),
Truly not interested in passing myself off as a 23 year old :annoyed (get off my lawn)
by crswvc
Mon Dec 17, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Anyone done a "Life Settlement"
Replies: 20
Views: 3536

Re: Anyone done a "Life Settlement"

Depending on your situation it could eventually make it harder to get additional or replacement life insurance. A policy that has been sold in a "Life Settlement" situation still counts as an active outstanding policy. Insurance companies may decide that "excessive" insurance, i...
by crswvc
Sun Dec 16, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone done a "Life Settlement"
Replies: 20
Views: 3536

Anyone done a "Life Settlement"

AKA sell my life insurance for cash before I die.

https://www.aarp.org/caregiving/financi ... ments.html

Seems like a better idea then canceling it altogether.
by crswvc
Sat Dec 01, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: declining employer benefits?
Replies: 36
Views: 4345

Re: declining employee benifits

I have not heard of anyone not able to decline benefits. However, most places will only give you a small amount for not taking the benefits. I once worked at a small company with less then 20 employees and they required everyone to accept the health insurance as condition of employment. Something a...
by crswvc
Fri Nov 30, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Too Much Savings Regret
Replies: 112
Views: 18654

Re: Too Much Savings Regret

my parents ... left [me] an inheritance ... I'm in awe as I read Boglehead topics on how people are trying to save 20/50 times their salary for retirement and wonder if this can be done successfully without sacrificing "enjoyment"? I personally try to take 3 vacations a year Congratulatio...
by crswvc
Fri Nov 30, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Too Much Savings Regret
Replies: 112
Views: 18654

Re: Too Much Savings Regret

HEDGEFUNDIE wrote: Fri Nov 30, 2018 7:52 pm The solution to all of you who save too much is...to spend more.
Or ... Just earn less :wink:
Less stress from work and less stress from spending :happy
by crswvc
Wed Nov 28, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Lower auto/home liability, max umbrella?
Replies: 13
Views: 1311

Re: Lower auto/home liability, max umbrella?

tj wrote: Wed Nov 28, 2018 7:11 pm
To my knowledge, only USAA, Amica and AAA have $1M limits on autos
and geico
by crswvc
Sat Nov 10, 2018 10:36 pm
Forum: US Chapters
Topic: Remember to support this free source
Replies: 21
Views: 2824

Re: Remember to support this free source

Silk McCue wrote: Sat Nov 10, 2018 9:30 pm
crswvc wrote: Sat Nov 10, 2018 8:24 pm Anyway to donate with apple pay / square cash / venmo?
It look is like PayPal and mailing a check are your options.

Cheers
checks are for old people :happy , nobody uses them
PayPal and I aren’t on good terms ever since they flagged me as fraud the very first time i used it :annoyed
by crswvc
Sat Nov 10, 2018 8:24 pm
Forum: US Chapters
Topic: Remember to support this free source
Replies: 21
Views: 2824

Re: Remember to support this free source

Anyway to donate with apple pay / square cash / venmo?
by crswvc
Sat Oct 20, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Protecting large sums of cash.
Replies: 30
Views: 4627

Re: Protecting large sums of cash.

This topic keeps coming up here a lot. Just wondering when was the last time someone actually needed FDIC protection? Don’t flame me, I’m not saying you should not care about it, just trying to put a perspective in my head. WaMu (Washington Mutual) during the financial crisis. This was less than 10...
by crswvc
Sat Sep 15, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Portable Music
Replies: 12
Views: 1016

Re: Portable Music

lazydavid wrote: Sat Sep 15, 2018 8:10 am iPods are still around too, though not available new.
Actually ... iPod Touch is still available brand new. Complete with headphone jack :shock:
www.apple.com/ipod-touch
by crswvc
Mon Jun 25, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 24966

Re: Can you retire on $2M?

In doing the math, it seems like if you're 40 with $2M you could possibly retire. $2M @ 8% interest annually for 40 years (die at 100 years old) yields you $161,000 annually. You may not draw $161,000 to start, maybe you draw $60,000 and therefore grow your overall pot over 40 years. Then again, if...
by crswvc
Mon Jun 25, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 24966

Re: Can you retire on $2M?

In doing the math, it seems like if you're 40 with $2M you could possibly retire. $2M @ 8% interest annually for 40 years (die at 100 years old) yields you $161,000 annually. You may not draw $161,000 to start, maybe you draw $60,000 and therefore grow your overall pot over 40 years. Then again, if...
by crswvc
Mon Jun 25, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 24966

Re: Can you retire on $2M?

Yes, absolutely I could and never worry about money again. As could I, totally depends on your lifestyle expectations. I suspect most, even on this board, would totally balk at the idea off living off of $40k/yr or suggest that it isn't even possible, but I disagree. With a pair of children in dayc...
by crswvc
Mon Jun 25, 2018 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 24966

Re: Can you retire on $2M?

Bacchus01 wrote: Mon Jun 25, 2018 6:54 am Might want to double check that math
fixed, thanks
by crswvc
Mon Jun 25, 2018 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 24966

Re: Can you retire on $2M?

In doing the math, it seems like if you're 40 with $2M you could possibly retire. $2M @ 8% interest annually for 40 years (die at 100 years old) yields you $161,000 annually. You may not draw $161,000 to start, maybe you draw $60,000 and therefore grow your overall pot over 40 years. Then again, if...
by crswvc
Fri Mar 02, 2018 12:41 am
Forum: Personal Consumer Issues
Topic: Anyone Cruise around South America?
Replies: 14
Views: 2224

Re: Anyone Cruise around South America?

We are booked on a Princess cruise around SA starting next Feb 2. I know you can never predict the weather but I am concerned about the ship rocking and rolling to the point of getting seasick. I hear the seas can be rough/and or very windy. I also hear it can be nice weather. What have you experie...
by crswvc
Sat Feb 17, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Funds vs. Target Date Funds
Replies: 67
Views: 11201

Re: Vanguard LifeStrategy Funds vs. Target Date Funds

stemikger wrote: Fri Feb 16, 2018 4:28 pmFor what it's worth Jack Bogle likes the fixed 60/40 AA.
This is a good starting point
On a un-related note is your avatar cat looking for Kyle?

http://knowyourmeme.com/memes/seen-kyle
by crswvc
Wed Nov 22, 2017 10:01 pm
Forum: Investing - Theory, News & General
Topic: Kass: Is This the End of Warren Buffett?
Replies: 138
Views: 25204

Re: Re:

InsideTheBeltway wrote: Wed Nov 22, 2017 6:07 pm
nisiprius wrote: Thu Jan 29, 2009 12:53 pm From $145,000 to $85,000 a share is a drop of 42%. (Thu Jan 29, 2009 1:53 pm)
Update from the Future:

If anyone from 2009 can read this, buy NFLX stock.
IF you are reading this in 2009, dump NFLX and seek out bitcoin, yeah it crazy, :annoyed but it just might work :sharebeer :moneybag
by crswvc
Mon Oct 30, 2017 12:26 pm
Forum: Personal Investments
Topic: How do I invest in a vanguard trust
Replies: 10
Views: 1275

Re: How do I invest in a vanguard trust

You find a company that has a 401k plan that uses that Vanguard fund. Some large companies might have a multi-tens-billions plan that can invest in such a thing. Yes I do invest in it in my 401k :happy Now how to invest in it in my taxable account? Not going to happen. The SEC regulates mutual fund...
by crswvc
Mon Oct 30, 2017 10:04 am
Forum: Personal Investments
Topic: How do I invest in a vanguard trust
Replies: 10
Views: 1275

Re: How do I invest in a vanguard trust

dbr wrote: Mon Oct 30, 2017 9:37 am You find a company that has a 401k plan that uses that Vanguard fund. Some large companies might have a multi-tens-billions plan that can invest in such a thing.
Yes I do invest in it in my 401k :happy
Now how to invest in it in my taxable account?
by crswvc
Mon Oct 30, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 10767

Re: Is it difficult to switch from an iPhone to an Android?

Is it difficult to switch from an iPhone to an Android? Yes

Once one is using the ecosystem of Apple (iTunes music, paid for apps, iCloud) then switching becomes difficult.
However, if one only uses it for calling and the free facebook app then not much different.