Search found 834 matches

by walletless
Sun Oct 14, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Credit card price protection: Are Citi and CapitalOne the only providers
Replies: 1
Views: 300

Credit card price protection: Are Citi and CapitalOne the only providers

Looks like Chase and Discover are ending the price protection benefit for majority of it's cards. Citi and CapitalOne are keeping the benefit, but lowering the per incident limits ($200 and $250 respectively). Are there any other cards that provide this benefit now? I'm looking to purchase a 4K TV, ...
by walletless
Wed Oct 10, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1553825

Re: U.S. stocks in freefall

Dear stocks,

Please keep falling.

Sincerely,
Bear Walletless
by walletless
Wed Oct 10, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Need money in settlement account to buy a non-VG ETF?
Replies: 16
Views: 1002

Re: Need money in settlement account to buy a non-VG ETF?

This is not a new account - its about 6-7 year old account owned by my Trust. When I place MF order I can chose bank as the source. When I place ETF order, it only allows the settlement fund as the source. Are being dissuaded by the standard warning? Or is it stopping you completely? I cannot acces...
by walletless
Wed Oct 10, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Need money in settlement account to buy a non-VG ETF?
Replies: 16
Views: 1002

Re: Need money in settlement account to buy a non-VG ETF?

This is not a new account - its about 6-7 year old account owned by my Trust. When I place MF order I can chose bank as the source. When I place ETF order, it only allows the settlement fund as the source.
by walletless
Wed Oct 10, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Need money in settlement account to buy a non-VG ETF?
Replies: 16
Views: 1002

Re: Need money in settlement account to buy a non-VG ETF?

I have not tried to buy a non-VG ETF. But for a VG ETF, you should be able to: 1. place an order to transfer cash from your bank account -> Settlement 2. immediately afterwards, your settlement account will be credited and the funds will be "available to trade" (even though the cash will not be ext...
by walletless
Mon Oct 08, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Need money in settlement account to buy a non-VG ETF?
Replies: 16
Views: 1002

Need money in settlement account to buy a non-VG ETF?

I was about to place an order to buy IJS on Vanguard.com. however I was surprised to find that you need money in your settlement account in order to place that order. Unlike Vanguard index mutual funds where you can use an external bank as your source.
by walletless
Mon Oct 08, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Calculating properties in your Net Worth?
Replies: 10
Views: 973

Re: Calculating properties in your Net Worth?

I use Zillow estimate ("zestimate") minus 10% to account for fees, market fluctuations, etc. Gives me a decent conservative estimate.
by walletless
Thu Oct 04, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1553825

Re: U.S. stocks in freefall

Time for bears to come out of their hiding!
by walletless
Mon Aug 27, 2018 12:42 am
Forum: Personal Consumer Issues
Topic: San Diego - where to stay, what to do with 6 year old
Replies: 30
Views: 2184

Re: San Diego - where to stay, what to do with 6 year old

Thanks everyone for the responses! I went ahead and reserved 5 nights/6 days at the "Kings Inn" close to SeaWorld/Mission Valley. This hotel seem to have decent reviews on TripAdvisor, well located, and includes free parking (several hotels in mission valley charge $20 per day for parking!). Breakfa...
by walletless
Wed Aug 22, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 238
Views: 22916

Re: @ walletless

what makes the IJS ETF a better small cap value fund? by the way, I found your wallet VBR/VSIAX has fewer small and value funds - it is closer to a mid-cap/blend value fund. See VBR holding style: http://portfolios.morningstar.com/fund/summary?t=VBR®ion=usa&culture=en_US (22% in small/value box)...
by walletless
Wed Aug 22, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 238
Views: 22916

Re: any recommended non Vanguard ETFs?

Socrates28 wrote:
Wed Aug 22, 2018 12:22 pm
I am thinking international as I use index funds through Vanguard for total market and small cap value
I am strongly considering IJS to replace VBR/VSIAX when the next TLH opportunity shows up. Despite the higher ER (0.25 vs 0.07), I think IJS is a better small/value fund.
by walletless
Mon Aug 20, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 94
Views: 17471

Re: Replacement for Google Finance price quote function

MotoTrojan wrote:
Tue Aug 07, 2018 9:58 am
Part of me wants to code it to track ETF pricing, but I really need to try and look less, not more. Being able to quickly peak at the daily change in the afternoon on an interesting day will suffice.
If you end up doing this, please share here!
by walletless
Sun Aug 19, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: San Diego - where to stay, what to do with 6 year old
Replies: 30
Views: 2184

Re: San Diego - where to stay, what to do with 6 year old

How did you come up with that budget? I think Legoland tickets alone are about 100 per adult at least. When my mom visits she stays in a blah holiday inn express not really near anything for more than 100. You might get a decent air bnb at that price. Your itinerary is very spread apart you'll also...
by walletless
Sun Aug 19, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: San Diego - where to stay, what to do with 6 year old
Replies: 30
Views: 2184

Re: San Diego - where to stay, what to do with 6 year old

Thanks NYCGuy.

We considered staying at the Legoland property, but its quite expensive; so we are considering other hotels in lower price range like Days Inn, Best Western etc. I want to figure out which neighborhoods we should target if we visit Legoland, Zoo, Seaworld and Mexico border.
by walletless
Sun Aug 19, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: San Diego - where to stay, what to do with 6 year old
Replies: 30
Views: 2184

San Diego - where to stay, what to do with 6 year old

We plan to visit San Diego soon with our 6 year old. How many days do we need for LegoLand, SeaWorld, Zoo and Safari? Besides that, are there other places I should visit when we are in San Diego? We are flexible on number of days, but prefer 5 days or less. What areas should we try to find hotels/ai...
by walletless
Mon Aug 06, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 94
Views: 17471

Re: Replacement for Google Finance price quote function

You can also refer to my post on another thread in using Morningstar to pull prices: viewtopic.php?p=4043999#p4048310
by walletless
Sun Aug 05, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's you safety deposit box fee?
Replies: 64
Views: 6503

Re: What's you safety deposit box fee?

$135 annual for a 5x10 locker at chase.
by walletless
Sat Aug 04, 2018 12:05 am
Forum: Personal Consumer Issues
Topic: Touring Singapore in October
Replies: 9
Views: 680

Re: Touring Singapore in October

Thanks for the super detailed replies! Does anyone have suggestions for tour operator or packages?
by walletless
Fri Aug 03, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: Touring Singapore in October
Replies: 9
Views: 680

Touring Singapore in October

My 6 year old's school is off for fall break during first 2 weeks of October. We want to tour Singapore (and possibly Bangkok). Has anyone here toured S'pore and can suggest a good tour/package for that destination from U.S.? What are entertaining places to visit with a 6 year besides the theme parks?
by walletless
Thu Aug 02, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 369
Views: 48976

Re: MoviePass-Too good to be true, but it's legit.

Cancelled my MP Subscription. The gravy train was great while it lasted!
by walletless
Thu Aug 02, 2018 2:44 am
Forum: Personal Finance (Not Investing)
Topic: Google sheets not pulling stock prices
Replies: 37
Views: 6142

Re: Google sheets not pulling stock prices

Has anyone found an alternative to: =VALUE(Right((Index(ImportHtml(CONCATENATE("http://bigcharts.marketwatch.com/advchart/frames/frames.asp?symb=",A2,"&insttype=Fund"), "table"),3,1)),7)) Using Morningstar.com: =IMPORTXML("http://quotes.morningstar.com/fund/c-header?t=" & A2, "//span[@vkey='NAV']")...
by walletless
Mon Jul 30, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Google sheets not pulling stock prices
Replies: 37
Views: 6142

Re: Google sheets not pulling stock prices

Has anyone found an alternative to: =VALUE(Right((Index(ImportHtml(CONCATENATE("http://bigcharts.marketwatch.com/advchart/frames/frames.asp?symb=",A2,"&insttype=Fund"), "table"),3,1)),7)) Using Morningstar.com: =IMPORTXML("http://quotes.morningstar.com/fund/c-header?t=" & A2, "//span[@vkey='NAV']")...
by walletless
Sun Jul 29, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Sub-500 laptop *brand* suggestions
Replies: 19
Views: 2008

Re: Sub-500 laptop *brand* suggestions

Thanks everyone for the suggestion. Just wondering if someone has thoughts on this laptop for $550 - fits most of my requirement, although it does not have a discrete graphics card. https://www.staples.com/flex-14-81em000uus-14-laptop-computer-intel-i5-256gb-ssd-8gb-ddr4-windows-10-home/product_2432...
by walletless
Fri Jul 27, 2018 12:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 238
Views: 22916

Re: Vanguard to offer non-Vanguard ETFs commission-free

Fascinating shift then, and yes even though there is probably a Pareto/long tail distribution of ~80% of assets to a small number of ETFs, have a large menu of choices for $0 is appealing The problem is the "large menu of choices" (at TD Ameritrade, for example) is merely a marketing gimmick since ...
by walletless
Fri Jul 27, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Sub-500 laptop *brand* suggestions
Replies: 19
Views: 2008

Sub-500 laptop *brand* suggestions

I am looking for a sub-500 laptop with the minimum configuration of a 8th Generation Core-i5, 8 GB RAM, and 256 GB SSD. I prefer 13 or 14" laptops that are somewhat lighter in weight. I realize that the lightest series such as XPS are well above the price range, so I am fine settling for a *slightly...
by walletless
Thu Jul 05, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: AMEX Extended warranty in conjunction with SquareTrade
Replies: 3
Views: 267

AMEX Extended warranty in conjunction with SquareTrade

Hello, I wanted to understand - if I bought extended warranty from SquareTrade (or similar), when does the AMEX Extended warranty kick in. I am planning to purchase a TV with 1 year manufacturer warranty, plus 2 years SquareTrade warranty. Will AMEX warranty begin after 3 years, or after 1 year (i.e...
by walletless
Tue Jul 03, 2018 4:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 238
Views: 22916

Re: Vanguard to offer non-Vanguard ETFs commission-free

Hopefully the influx of new clients will encourage Vanguard to fix their cost basis and other IT issues. If anything, I fear this will make things worse. They already have a lot of clients and AUM. The extra clients will put additional pressure on the same shared resources, and vanguard IT has been...
by walletless
Tue Jul 03, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 369
Views: 48976

Re: MoviePass-Too good to be true, but it's legit.

MoviePass looks to raise $1.2B to say in business: http://money.cnn.com/2018/07/02/media/moviepass-stock-debt-sale/index.html Last month, Helios and Matheson said in another SEC document that it had only $18.5 million in cash on hand, plus $30.3 million in accounts receivable. It expected its June ...
by walletless
Mon Jul 02, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 238
Views: 22916

Re: Vanguard to offer non-Vanguard ETFs commission-free

This should also accelerate the rate of migration from mutual fund accounts to their new brokerage account. Many have resisted in the past due to so little benefits (and more pains), but this changes the requisition for some.
by walletless
Mon Jul 02, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 238
Views: 22916

Re: Vanguard to offer non-Vanguard ETFs commission-free

This is also why Robinhood and M1 Finance are not going to survive in my opinion. Robinhood has free individual stocks and crypto. Both these are popular among younger investors. Plus they have a slick app, which their users care about more (unlike typical Vanguard users). I don't think this is a t...
by walletless
Mon Jul 02, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 238
Views: 22916

Re: Vanguard to offer non-Vanguard ETFs commission-free

It'll be interesting to see if DFA funds will be in this list, especially since they're not inverse funds.. but DFA wants to only sell their funds through an advisor. That would be a disruptor if allowed!
by walletless
Mon Jul 02, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 238
Views: 22916

Re: Vanguard to offer non-Vanguard ETFs commission-free

I'm too lazy to read something that is too new, so may I ask if there are early redemption or frequent trading fees or nuances? Early redemption fees are based on fund, so you'll have to read the prospectus of whatever ETF you're buying. Frequent trading: I'll be surprised if that's not there. Vang...
by walletless
Mon Jul 02, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 238
Views: 22916

Re: Vanguard to offer non-Vanguard ETFs commission-free

Next tlh opportunity, moving from VBR to IJS and staying there 😊
by walletless
Fri Jun 22, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 369
Views: 48976

Re: MoviePass-Too good to be true, but it's legit.

Some competition for those who go to AMC: https://www.amctheatres.com/amcstubs/alist AMC Stubs A-List offered for $19.95+tax/month allows you to watch up to 3 movies a week, but unlike MoviePass does not exclude dine-in theaters, IMAX, Dolby or 3D films. It also allows you to reserve your movie (an...
by walletless
Mon Jun 18, 2018 9:34 am
Forum: Investing - Theory, News & General
Topic: mega backdoor Roth -- why not stay in the roth 401(k)
Replies: 14
Views: 1341

Re: mega backdoor Roth -- why not stay in the roth 401(k)

There is nothing wrong with rolling over to Roth 401k as long as you're aware and ok with one other difference: Your balance in 401K (Roth or traditional) is subject to Required Minimum Distributions (RMD), whereas Roth IRA is not. My strategy is to keep rolling into Roth 401k for now to take advant...
by walletless
Thu May 31, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1553825

Re: U.S. stocks in freefall

Wow, no reply here today. We're getting used to this!
by walletless
Wed May 09, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Is this actualy TLH? Wealthfront transactions are confusing
Replies: 6
Views: 422

Re: Is this actualy TLH? Wealthfront transactions are confusing

It's a bit more complicated than that. This small read will help clarify how replacement lots work: http://www.fairmark.com/capgain/wash/wsreplac.htm Oh, is this the way it works? I begin to buy shares in VWO as my primary ETF for this asset class. I continue to buy shares in it with semi-monthly de...
by walletless
Wed May 09, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Is this actualy TLH? Wealthfront transactions are confusing
Replies: 6
Views: 422

Re: Is this actualy TLH? Wealthfront transactions are confusing

This transaction should qualify for tlh if "replacement shares" were not purchased within the 30 day period. I'm assuming they purchased some other similar emerging markets shares to replace the sold lot.
by walletless
Fri Apr 27, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance from abroad - how to plan?
Replies: 3
Views: 556

Inheritance from abroad - how to plan?

My parents live abroad (and are non-US citizens), and will likely leave a very substantial inheritance for me and my sibling. Their total assets, including property, jewelry, stocks, and cash will likely add to (roughly) north of $5 Million. Split evenly, I expect to have an inheritance of 2-2.5 mil...
by walletless
Tue Apr 17, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1971
Views: 366935

Re: What are you up YTD? [Year To Date]

-0.4%
84% stocks (70% domestic, 30% international)
16% total bonds
by walletless
Thu Apr 12, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 8034

Re: Passport photo DIY - anyone done it easily?

For something that you only have to do once a decade, and costs less than 15 bucks tops, I'm amazed there's this much discussion on the subject. It's not only about cost. There are several reasons (besides cost) that I chose to DIY my photos: 1) Visas for some countries require a non-standard photo...
by walletless
Thu Apr 12, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 8034

Re: Passport photo DIY - anyone done it easily?

Problems and excuses: https://consumerist.com/2009/03/23/walgreens-doesnt-want-you-to-print-your-own-passport-photos/ https://www.flyertalk.com/forum/travelbuzz/1528576-cvs-won-t-accept-my-payment-passport-photos.html and this I've posted before https://www.ripoffreport.com/reports/cvs/westford-mas...
by walletless
Thu Apr 12, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 8034

Re: Passport photo DIY - anyone done it easily?

I'll also add that Amazon Prints (AmazonPrints.com) will print a 4x6 for just 9 cents. If you're ok waiting few weeks to ship, it's actually a cheap option that doesn't go through corporate bullshit that drugstores try to make you pay more for.
by walletless
Thu Apr 12, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 8034

Re: Passport photo DIY - anyone done it easily?

Don’t order in store. Upload to photo website and then place order for store pickup. Price will be the regular 4x6 price even if you have 6 passport photos of different individuals. Unfortunately, there have been numerous reports from upset customers that when you go pick them up in store, the stor...
by walletless
Wed Apr 11, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 8034

Re: Passport photo DIY - anyone done it easily?

It was surprisingly hard to find a pure white wall and to get a photo with no shadows with my cell phone! Ok, I didn't exactly make a heroic effort (more like asked a friend when I saw a white wall available) but it was annoying enough to get right that I just paid $9 to have it done professionally...
by walletless
Wed Apr 11, 2018 2:47 am
Forum: Personal Finance (Not Investing)
Topic: Google sheets not pulling stock prices
Replies: 37
Views: 6142

Re: Google sheets not pulling stock prices

Has anyone found an alternative to: =VALUE(Right((Index(ImportHtml(CONCATENATE("http://bigcharts.marketwatch.com/advchart/frames/frames.asp?symb=",A2,"&insttype=Fund"), "table"),3,1)),7)) Using Morningstar.com: =IMPORTXML("http://quotes.morningstar.com/fund/c-header?t=" & A2, "//span[@vkey='NAV']")...
by walletless
Mon Apr 09, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Purepoint now 1.6%
Replies: 16
Views: 2598

Re: Purepoint now 1.6%

vbdoug wrote:
Mon Apr 09, 2018 2:57 pm
Purepoint sent me some "Tea Forte Noir" last week. I do not know why, but it was a nice gesture.
I didn't get anything :-(
by walletless
Mon Apr 09, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Home Safe vs Safety Deposit Box
Replies: 84
Views: 18951

Re: Home Safe vs Safety Deposit Box

Safety Deposit box for Gold/Jewelry, Copy of trust/will, Passports

AmazonBasics Home Safe for other things like 2nd copy of trust/will, car/home titles, etc.
by walletless
Mon Apr 09, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Purepoint now 1.6%
Replies: 16
Views: 2598

Re: Purepoint now 1.6%

Now 1.75% APY