Search found 299 matches

by msi
Thu Sep 21, 2017 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 25304

Re: Is a security freeze at Innovis really needed?

Freezing Innovis is prudent for three reasons: 1. If perpetrators have difficulties with the big three credit reporting agencies, they'll target Innovis 2. Freezing Innovis is free 3. There is no need to unfreeze Innovis when applying for new credit Victoria If there's no need to unfreeze Innovis w...
by msi
Wed Sep 20, 2017 4:20 am
Forum: Personal Consumer Issues
Topic: Virtual Offices in NYC (Earth Class Mail?)
Replies: 3
Views: 540

Re: Virtual Offices in NYC (Earth Class Mail?)

There's always Regus, who I believe can do all of that, but they'll get expensive.
by msi
Mon Jul 31, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 56
Views: 4017

Re: Non Stick frying pan

I've tried Calphalon, T-fal, and the like, but Anolon has been by far the most durable and best performing.
by msi
Wed Jul 26, 2017 4:59 am
Forum: Personal Finance (Not Investing)
Topic: Top floor condo, water backup/overflow insurance?
Replies: 6
Views: 824

Top floor condo, water backup/overflow insurance?

For a 3rd (top) floor condo, is water backup/sump overflow insurance necessary? How much would be appropriate? It's 2 bed/2 bath, built in the early 90's, and the HOA master policy covers not just the structure and common elements but also the replacement of each unit's appliances, flooring, carpet,...
by msi
Mon Apr 10, 2017 3:43 am
Forum: Personal Consumer Issues
Topic: BH thoughts on car insurance
Replies: 32
Views: 2453

Re: BH thoughts on car insurance

I switched from Progressive to GEICO for a lower rate, but no problems with either one.

I will say years ago Allstate was very difficult to deal with when it came to a claim.
by msi
Mon Apr 10, 2017 3:41 am
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 9254

Re: Dream vacation spots?

Not a "spot" per se, but I'd love to take an around the world cruise on a luxury ship. Lasts ~140 days and starts at $60k https://www.rssc.com/cruises/NAV180108E ... fault.aspx
by msi
Thu Jan 26, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Switching from AT&T post paid contract to GoPhone
Replies: 11
Views: 1506

Re: Switching from AT&T post paid contract to GoPhone

With GoPhone, H2O, and Cricket are there any issues with receiving delayed/missing text messages?

I know someone on a Sprint MVNO having that problem.
by msi
Fri Dec 30, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Luck with DirectTV Now?
Replies: 37
Views: 5366

Re: Luck with DirectTV Now?

In general I like DirectTV Now, but it does have buffering problems, which were worse in the first few days of its life but still exist. Far more buffering than Playstation Vue, and it's especially bad during prime time.

I'm using the latest generation Fire TV, not the stick, on 50mbps down cable.
by msi
Thu Dec 29, 2016 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Ideal fund for TLHing Intermediate Muni Fund?
Replies: 6
Views: 626

Re: Ideal fund for TLHing Intermediate Muni Fund?

Are there any gotchas with simply TLH'ing into VTEB (ETF version of Vanguard Total Tax-Exempt Index)? That is sort of a similar duration (little less than a year longer) and credit quality. I've just never done a TLH from a mutual fund into an ETF before.
by msi
Thu Dec 29, 2016 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Ideal fund for TLHing Intermediate Muni Fund?
Replies: 6
Views: 626

Re: Ideal fund for TLHing Intermediate Muni Fund?

Do what I did today, TLHing the same fund. I just exchanged to Prime Money Market. It's only 31 days so why take risks on your principal? I'm going to exchange it to Total International on a down day (TI was up today) but this allowed me to TLH this year without waiting for the perfect exchange. I ...
by msi
Thu Dec 29, 2016 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Ideal fund for TLHing Intermediate Muni Fund?
Replies: 6
Views: 626

Ideal fund for TLHing Intermediate Muni Fund?

I want to harvest a loss in Vanguard's Intermediate Term Tax-Exempt Fund. What would be the ideal fund to move the money into for 31 days, keeping very similar duration and credit quality? I don't want to miss any potential bounce back in muni prices.

Maybe VTEB or MUB?
by msi
Wed Dec 21, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: What are the REAL reasons to avoid international?
Replies: 71
Views: 6388

Re: What are the REAL reasons to avoid international?

You can use a currency hedged ETF if currency risk is a real concern to you. Have a look at DBEF and HEFA.
by msi
Mon Jul 18, 2016 3:12 pm
Forum: Investing - Theory, News & General
Topic: Another look at corporate bonds
Replies: 209
Views: 16186

Re: Another look at corporate bonds

But if today's interest rates are at unprecedentedly low levels, and treasuries are affected by market forces that never existed before, then why base the point on the past 90 years? It also seems like the timeframe ends with a bond bubble, which would lead to misleading conclusions.
by msi
Wed Jun 15, 2016 1:54 pm
Forum: Investing - Theory, News & General
Topic: Why am I so intrigued with the All Weather Portfolio
Replies: 6
Views: 2249

Re: Why am I so intrigued with the All Weather Portfolio

Some Bogleheads wrote a book about the Permanent Portfolio, which is similar. https://www.bogleheads.org/wiki/Craig_Rowland
by msi
Thu Jun 09, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Credit unions pull credit report and ask for driver's license #?
Replies: 11
Views: 1791

Re: Credit unions pull credit report and ask for driver's license #?

Do you get bombarded with junk mail offers for credit once you join the mentioned credit unions?

I just can't see how the income and employment data they ask for is just about verifying my identity.
by msi
Thu Jun 09, 2016 4:03 am
Forum: Personal Finance (Not Investing)
Topic: Credit unions pull credit report and ask for driver's license #?
Replies: 11
Views: 1791

Credit unions pull credit report and ask for driver's license #?

I was looking into opening a CD/share certificate at USALLIANCE, who was a 1.51% 18 month offer. On top of wanting to do a hard pull on my credit report, the join page asks for my driver's license #, gross income, and some other information I don't feel is quite necessary to *give* them money. I don...
by msi
Thu Mar 31, 2016 3:46 am
Forum: Investing - Theory, News & General
Topic: "One Vanguard, Many DFAs"
Replies: 16
Views: 3296

Re: "One Vanguard, Many DFAs"

Or should they use academic research to shape their funds so that they hold some market segments but not others?


If only academic research could predict future investment returns.
by msi
Sun Mar 20, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 5654

Re: Want to buy 2014 Acura TSX - turned in lease

I love my TSX. You don't really need the tech package these days with GPS apps on smartphones, but it's nice to have for the backup camera.

Also worth looking at a CPO Infiniti G37, Lexus IS, Lexus ES. I prefer Acura, though.
by msi
Wed Mar 16, 2016 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Banks which let you specify maturity options when opening CD
Replies: 4
Views: 621

Re: Banks which let you specify maturity options when opening CD

Thanks everyone. If anyone else knows more, please mention here.
by msi
Tue Mar 15, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Banks which let you specify maturity options when opening CD
Replies: 4
Views: 621

Banks which let you specify maturity options when opening CD

What banks allow you to specify, at the time you open/fund the CD, that you do not want it to autorenew? I'm aware of Barclays and Alliant so far. Ally only lets you do this in the year the CD matures. Any others? The rest all seem to only allow this election during the 7-30 day grace period as the ...
by msi
Sun Feb 28, 2016 4:25 am
Forum: Personal Finance (Not Investing)
Topic: Going to 30/70 (Target Retirement Income Fund) at age 33?
Replies: 44
Views: 5997

Re: Going to 30/70 (Target Retirement Income Fund) at age 33?

You might want to check out Zvi Bodie's books, which are meant for risk-averse investors. He'll recommend TIPS, series I bonds, and the like. And also have a look at Wellesley. You might feel psychologically more comfortable with a conservative, well-run, and almost entirely domestic fund with a lon...
by msi
Thu Feb 18, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for auto insurance, Ameriprise dropped me
Replies: 17
Views: 1783

Re: Looking for auto insurance, Ameriprise dropped me

I went from Allstate to State Farm to Progressive. And since switching to Progressive, they've been the cheapest every time I've compared quotes. The only thing I don't like is you can't pay your premium with American Express. Never had a problem with claims at Allstate or State Farm, though I've ne...
by msi
Thu Feb 18, 2016 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Have banks or CUs ever historically blocked early withdrawals from CDs?
Replies: 10
Views: 1148

Re: Have banks or CUs ever historically blocked early withdrawals from CDs?

I think the issue may be that any bank that is in good shape will routinely allow early withdrawals regardless of what the terms and conditions say, and that the reason for playing hardball would be that they are close to failing and can't afford to meet any withdrawals that they don't have to. To ...
by msi
Thu Feb 18, 2016 2:11 am
Forum: Personal Finance (Not Investing)
Topic: Have banks or CUs ever historically blocked early withdrawals from CDs?
Replies: 10
Views: 1148

Have banks or CUs ever historically blocked early withdrawals from CDs?

I've been reading older threads here and blog posts on depositaccounts.com about the fear some have of banks preventing early withdrawals from CDs. I'm aware of Fort Knox CU increasing the EWP terms after the fact, and Ally modifying their agreement to say "if we consent to an early withdrawal,...
by msi
Thu Feb 04, 2016 6:21 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 137
Views: 13727

Re: Sibling's destination wedding?

Just go alone for a couple days. You're still showing up and you're saving money compared to bringing the whole family.
by msi
Tue Feb 02, 2016 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: CPA cost for handling Tax Return - Is this too much?
Replies: 18
Views: 2883

Re: CPA cost for handling Tax Return - Is this too much?

Mine was $690 last year here in NJ, which included schedule C and gift tax return. I give him my 1099's and spreadsheets, and he does the rest, answering whatever questions I have. Very intelligent and thorough guy. My old CPA who retired the year prior was always in the $500's from memory. His offi...
by msi
Mon Feb 01, 2016 2:00 am
Forum: Personal Finance (Not Investing)
Topic: Online Bank recommendation
Replies: 50
Views: 6690

Re: Online Bank recommendation

So you guys don't have an issue with slow ACH transfers at Ally? I've been thinking of opening an account, but that's a common complaint on depositaccounts and the like.
by msi
Fri Jan 29, 2016 4:30 pm
Forum: Investing - Theory, News & General
Topic: Tax Exempt Bonds
Replies: 5
Views: 1763

Re: Tax Exempt Bonds

I use Limited Term Tax Exempt for that, the rest in FDIC-insured savings.

You can always move some of it into CDs later if a really good promo rate comes along.
by msi
Tue Jan 26, 2016 7:46 pm
Forum: Investing - Theory, News & General
Topic: Any reason not to invest in a Vanguard fund that rebalances?
Replies: 41
Views: 4013

Re: Any reason not to invest in a Vanguard fund that rebalances?

Livesoft compared the performance of VSMGX (moderate growth) to the performance of the Admiral share class versions of the underlying funds https://www.bogleheads.org/forum/viewtopic.php?f=1&t=160958 and VSMGX very slightly outperformed in that time period. May not always happen, and Vanguard ca...
by msi
Sun Jan 10, 2016 4:05 am
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 123
Views: 20621

Re: Are any US-only investors having 2nd thoughts?

Listen. You are giving your opinion on currency risk here, it is not a topic with conclusive proof, and others have presented with plenty of counterarguments. I'm asking specifically about others' experiences with currency-hedged ETFs, not whether you think the product is necessary. Adults can disa...
by msi
Sat Jan 09, 2016 6:23 am
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 123
Views: 20621

Re: Are any US-only investors having 2nd thoughts?

Is anyone here using a currency-hedged international etf like HEMA/DBAW/HAWX/etc. for their international allocation? I found a paper m whose summary says: "We show that foreign currency exposure meaningfully adds to risk in most environments, and does so without providing commensurate compens...
by msi
Fri Jan 08, 2016 4:36 pm
Forum: Investing - Theory, News & General
Topic: The S&P 500 had a great year for foreign investors.
Replies: 20
Views: 3286

Re: The S&P 500 had a great year for foreign investors.

This has nothing to do with the S&P500. You would have achieved similar gains just leaving it in a US dollar bank account. Yes, that is quite obvious. But US investors jump for joy over good foreign stock returns even when the return is due only to a weak US dollar. Currency diversification hel...
by msi
Fri Jan 08, 2016 4:11 am
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 123
Views: 20621

Re: Are any US-only investors having 2nd thoughts?

Is anyone here using a currency-hedged international etf like HEMA/DBAW/HAWX/etc. for their international allocation? I found a paper m whose summary says: "We show that foreign currency exposure meaningfully adds to risk in most environments, and does so without providing commensurate compens...
by msi
Fri Jan 08, 2016 2:06 am
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 123
Views: 20621

Re: Are any US-only investors having 2nd thoughts?

Is anyone here using a currency-hedged international etf like HEMA/DBAW/HAWX/etc. for their international allocation? I found a paper m whose summary says: "We show that foreign currency exposure meaningfully adds to risk in most environments, and does so without providing commensurate compensa...
by msi
Sun Jan 03, 2016 8:32 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 19758

Re: frustrating to keep investing in international/EM

Has anyone switched to a currency hedged ETF instead of Total International Index? Something like DBAW or HAWX (or the EAFE version, HEFA, where it is cheaper to hedge). If you want to be invested in international stocks, but don't want to take on currency risks, it seems like the way to go. I reali...
by msi
Sat Aug 22, 2015 4:06 am
Forum: Personal Consumer Issues
Topic: Non-Retirees: Scared about retirement?
Replies: 45
Views: 6608

Re: Non-Retirees: Scared about retirement?

Image

This lifecast sculpture by Duane Hanson sums up what I'm scared of when thinking about retirement.
by msi
Sat Aug 22, 2015 3:46 am
Forum: Personal Consumer Issues
Topic: Cell Phone Reception
Replies: 34
Views: 3439

Re: Cell Phone Reception

You can compare the coverage in your area: http://opensignal.com/network-coverage-maps/

I've had Verizon and AT&T, and I don't notice any difference in coverage. I did also try a T-mobile prepaid SIM in an old iPhone, just to test it out, but the coverage was awful.
by msi
Thu Aug 20, 2015 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Individual 401K
Replies: 89
Views: 6621

Re: Individual 401K

Does anyone know how early withdrawals apply to individual 401(k) plans? When I looked at Fidelity's, Vanguard's, and Schwab's, it seemed you could only take withdrawals at 59.5 or due to plan termination, and the IRS requires a valid business reason for plan termination. You also can't then open a ...
by msi
Sun Jun 21, 2015 3:01 am
Forum: Personal Consumer Issues
Topic: Where can I buy wiper blade inserts?
Replies: 22
Views: 4197

Re: Where can I buy wiper blade inserts?

I just buy mine from the dealer and have them install. Dealerships in general are a ripoff, but this is such a low cost item to begin with, it hardly matters.
by msi
Sat May 23, 2015 12:58 am
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 8812

Re: Bill Gross Thinks the End Is Near

fandango wrote:If Gross is so smart, how did he manage to lose his job at Pimco?


What does one have to do with the other? Bogle also once famously lost his job.
by msi
Wed May 20, 2015 11:06 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. MB vs. BMW
Replies: 80
Views: 16657

Re: Lexus vs. MB vs. BMW

I'd go with the RX 350.
by msi
Sun May 10, 2015 3:18 am
Forum: Investing - Help with Personal Investments
Topic: First Taxable Account Question?
Replies: 4
Views: 719

Re: First Taxable Account Question?

Transferring Prime Money Market back to your savings account does not incur any taxes. You can transfer between Prime Money Market and your checking/savings as you wish.

But you should invest that $3500. Have you considered opening a Roth, if you're eligible?
by msi
Sat May 09, 2015 1:16 am
Forum: Investing - Help with Personal Investments
Topic: Want to invest in VWELX but costly - Mimic using two ETFs?
Replies: 17
Views: 5127

Re: Want to invest in VWELX but costly - Mimic using two ETFs?

I'd do a 3 Spartan fund portfolio there, personally.

But there is also the Fidelity Puritan fund, which has a similar AA to Wellington and is actively managed with a long history, just the expense ratio isn't as cheap https://fundresearch.fidelity.com/mutua ... /316345107
by msi
Fri May 08, 2015 9:24 pm
Forum: Investing - Theory, News & General
Topic: If you worry about a correction, you shouldn't own stocks
Replies: 50
Views: 7737

Re: If you worry about a correction, you shouldn't own stocks

Solid advice, but he dodged the first half of the question. The first half was if he thinks stocks appear overvalued...which is very relevant to his "at a price you like" answer.
by msi
Fri May 08, 2015 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Can you no longer hide zero balance funds at Vanguard?
Replies: 9
Views: 2314

Re: Can you no longer hide zero balance funds at Vanguard?

I just did this like a week ago. The customize button was tucked away in the upper right corner of the balances & holdings page. Took me a while to find it. +1 - the 'Customize This Page' allows one to uncheck the 'zeroed' fund and it will no longer display. That only works on accounts which ha...
by msi
Fri May 08, 2015 2:37 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Jack Bogle Q&A @ Bogleheads Conference?
Replies: 66
Views: 13811

Re: Your Questions for Jack Bogle Q&A @ Bogleheads Conference

"What do you make of predictions that investment returns going forward will be lower than we're used to?"
by msi
Fri May 08, 2015 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Can you no longer hide zero balance funds at Vanguard?
Replies: 9
Views: 2314

Re: Can you no longer hide zero balance funds at Vanguard?

For anyone else wondering this, if you do have an upgraded account, you cannot hide them anymore through the interface. They automatically disappear after settlement.
by msi
Fri May 08, 2015 2:30 am
Forum: Investing - Help with Personal Investments
Topic: Can you no longer hide zero balance funds at Vanguard?
Replies: 9
Views: 2314

Can you no longer hide zero balance funds at Vanguard?

I have an 'upgraded' account, meaning it's both brokerage and mutual funds. It used to be that you could go to "Balances & Holdings," then customize page, and there was an option for "Hide zero balance accounts."

It's not there anymore. Can you not do this anymore?
by msi
Mon Apr 27, 2015 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Solo 401k Questions
Replies: 40
Views: 5498

Re: TD Ameritrade Solo 401k Questions

I spoke to TD Ameritrade again, this time with a "retirement consultant," who said that they function purely as the custodian, they don't track employee/employer contributions, and everything else is between me and the IRS. A simple spreadsheet with year and type would be adequate document...
by msi
Sun Apr 26, 2015 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Solo 401k Questions
Replies: 40
Views: 5498

Re: TD Ameritrade Solo 401k Questions

I use TDA for my 401k, and found the process of opening the account very straightforward. I am a sole proprietor, and I've been told on several occasions that TDA doesn't track employer/employee contributions; that is up to me. I separate the two by having a ROTH 401k as well, where all of my emplo...