Search found 89 matches

by lemonPepper
Sat Nov 18, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: VSS verus SCHC
Replies: 8
Views: 2239

Re: VSS verus SCHC

It looks like DLS is no longer commission free at fidelity :(

is there a website where you can check how to buy commission free ETF?
by lemonPepper
Sun Sep 03, 2017 2:19 am
Forum: Investing - Theory, News & General
Topic: The Death of Buy and Hold
Replies: 31
Views: 6830

Re: The Death of Buy and Hold

I read the book. I doubt the long timers here would learn anything from that book. That doesn't mean the book is bad. He recommends a slice and dice portfolio. He does discuss emerging market bonds and precious metal equities in more detail than most other books. The explanations of why you should h...
by lemonPepper
Tue Aug 29, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 134
Views: 19259

Re: Xfinity Mobile

The $1 phone is out of stock now
by lemonPepper
Thu Dec 29, 2016 3:06 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1352
Views: 228859

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

The Merrill Edge $1000 deal is back on, but for a very limited time. If you've been thinking of taking advantage, now's the time. It looks like the offer has been extended or renewed through the end of the year. https://www.merrilledge.com/offers/1000offer Earl I tried to open an account @ 100k tie...
by lemonPepper
Sat Dec 03, 2016 12:56 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1352
Views: 228859

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I was looking at this one: https://rewards.fidelity.com/offers/aa The promotion is not available for the following account types/products: .... retirement accounts, including, among others, Fidelity IRA, Roth IRA, SEP, and SIMPLE accounts; ..... I'm switching jobs and have about 89k with my current ...
by lemonPepper
Fri Dec 02, 2016 4:39 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1352
Views: 228859

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I went to open teh fidelity account and the offer is not valid for IRAs. I don't have 100k in taxable. So looks like I will have to open with merrill lynch for the promo.
by lemonPepper
Tue Oct 11, 2016 4:08 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 139
Views: 24934

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

I'm also skeptical of the assertion that one has to flaunt wealth in order to get ahead in certain professions. But if that is truly the case, a knock-off Movado watch or Hermes bag can be found on eBay for probably less than $50, function just as well as an original, and nobody but an expert will ...
by lemonPepper
Mon Oct 10, 2016 7:11 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 139
Views: 24934

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

several great responses. I used to be super frugal and spend way lower than my coworkers. Eventually I brought my appearances in line with what was expected for my profession so that nobody would think of me as weird. The reality is most people think you are "smart and intelligent" if you spend/beha...
by lemonPepper
Mon Oct 10, 2016 6:54 pm
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 63
Views: 9932

Re: Vitamix Worth It?

Vitamix is probably not needed for an average person but I use mine a lot. So I feel it's worth it. I make smoothies with whole nuts (I soak almonds overnight). I make thai food and there aren't many blenders that will blend lemongrass or galanga. That's a specialized use I bought a used for $225 6 ...
by lemonPepper
Mon Oct 10, 2016 5:25 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1352
Views: 228859

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

For a 100k portfolio, seems like the fidelity 50k American air miles is the best deal right now? I"m thinking about doing that deal and then moving to merrill edge when it is live again I couldn't say, because I don't get into the miles offers. I have no way to evaluate that. TD Ameritrade, Merrill...
by lemonPepper
Mon Oct 10, 2016 1:06 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1352
Views: 228859

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

For a 100k portfolio, seems like the fidelity 50k American air miles is the best deal right now? I"m thinking about doing that deal and then moving to merrill edge when it is live again
by lemonPepper
Thu Oct 06, 2016 4:57 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade my beat up car?
Replies: 69
Views: 6650

Re: Should I upgrade my beat up car?

Great discussion. I'm going through the exact same thing. I take my wife's 5 year old car to work if I have to give ride to anybody or somebody is gonna notice my car. Next year when I have to do smog on my 2001 corolla 210k miles, I will probably donate it. The interior is falling apart and I can n...
by lemonPepper
Thu Oct 06, 2016 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about Traditional IRA, MAGI, and AGI
Replies: 4
Views: 740

Re: Confused about Traditional IRA, MAGI, and AGI

I have a similar question. I'm also considering a Roth converter for a part of my 401k with former employer. Is there a software that helps you calculated how much roth conversion you should do to hit your limit? In our case, Gross income: 215 capital gains: 10k child: one regular 401k contributions...
by lemonPepper
Tue Oct 04, 2016 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 131
Views: 23684

Re: What to do with VGPMX (Vanguard Precious Metals and Mining)?

Man I hope dumping GDX at 30 (about 24 right now) doesn't give me a big ego and turn me into a market timer. almost goes to prove that a little bit of failure in the past is a good thing. I made some marketing timing mistakes before becoming a BH investor and I remind myself that loss when I want t...
by lemonPepper
Thu Sep 29, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Bogleheads for Diet/Nutrition?
Replies: 66
Views: 6480

Re: Bogleheads for Diet/Nutrition?

Has anybody tried platejoy. It's a meal management solution and supposedly their recipes are delicious and healthy. It also takes care of the planning and grocery shopping aspect.
by lemonPepper
Thu Sep 29, 2016 2:23 pm
Forum: Investing - Theory, News & General
Topic: Has anyone been tempted to buy AMZN?
Replies: 77
Views: 7436

Re: Has anyone been tempted to buy AMZN?

No actually, I kick myself for not buying when it was lower. And I convince myself that it's a bad time to buy because it has already gone up too much. So I've stayed off individual stocks. 'There were some companies that I thought were under valued. They did go up in value and I did not sell. I wai...
by lemonPepper
Mon Sep 26, 2016 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Wunder Capital Experience?
Replies: 2
Views: 846

Re: Wunder Capital Experience?

the only thing that comes to mind when i read it is: junk bonds. wunder loans money to companies that cannot borrow money for a solar installation on their own. Since wunder offers min 6% to investors the borrowers must be paying more than that. solar makes sense today for many people and companies....
by lemonPepper
Tue Aug 30, 2016 6:18 pm
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 12153

Re: Fidelity competing harder w/Vanguard

honest question from somebody in the early accumulation phase: should I trust fidelity to not play games over my 50 year investing life? will they bait and switch on me? You are investing in the market. Fidelity is part of the market. If you don't belive in Fidelity you shouldn't belive in the mark...
by lemonPepper
Tue Aug 30, 2016 1:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 12153

Re: Fidelity competing harder w/Vanguard

honest question from somebody in the early accumulation phase: should I trust fidelity to not play games over my 50 year investing life? will they bait and switch on me?
by lemonPepper
Sun Aug 28, 2016 6:59 pm
Forum: Investing - Theory, News & General
Topic: "Are Index Funds Eating the World?"
Replies: 44
Views: 7022

Re: "Are Index Funds Eating the World?"

[sarcasm] I don't know about you guys but I've a phd from MIT in maths and I'm definitely smarter than 99% of people out there. I can understand things that most other people cannot. I will put big data to work and analyze news, twitter feeds, facebook posts to figure out what is going to be the nex...
by lemonPepper
Fri Aug 26, 2016 4:22 pm
Forum: Investing - Theory, News & General
Topic: ETFs similar to VGPMX (Metals & Mining)
Replies: 16
Views: 2550

Re: ETFs similar to VGPMX (Metals & Mining)

Likely. Not definitely. Unfortunately there are no guarantees with equity investing. We don't have enough independent 20 year or 30 year periods in our data to tell us much conclusive. And there's no trend. The data is fractal. It's one of those "bullseye" books in life, when I realized that what I...
by lemonPepper
Fri Aug 26, 2016 4:19 pm
Forum: Investing - Theory, News & General
Topic: ETFs similar to VGPMX (Metals & Mining)
Replies: 16
Views: 2550

Re: ETFs similar to VGPMX (Metals & Mining)

Bear in mind that past correlation =\= future correlation. VGPMX may perform better relative to stocks in the next downturn than it did in '08; it may also do worse. I wonder if its lousy performance had anything to do with the capital-intensive nature of mining. After all, people were concerned ab...
by lemonPepper
Thu Aug 25, 2016 1:06 pm
Forum: Investing - Theory, News & General
Topic: ETFs similar to VGPMX (Metals & Mining)
Replies: 16
Views: 2550

Re: ETFs similar to VGPMX (Metals & Mining)

That is, you'd use relatively little PICK and mostly precious metals equity. Note that by this point you've already missed the PME train. btw, can you explain your reasoning here? Is it because it has gone up to $11 from $7 or so in 6 months? the price is still close to the 2002 time period and 60%...
by lemonPepper
Thu Aug 25, 2016 1:00 pm
Forum: Investing - Theory, News & General
Topic: ETFs similar to VGPMX (Metals & Mining)
Replies: 16
Views: 2550

Re: ETFs similar to VGPMX (Metals & Mining)

It looks like VGPMX would have been very good during the lost decade. The best time to buy VGPMX was 1999 http://stockcharts.com/freecharts/perf.php?VTI,VGPMX&n=4305&O=011000 I'm considering an allocation to VGPMX as well but I really doubt my ability to stick with an underperforming asset for decad...
by lemonPepper
Tue Aug 23, 2016 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Gold in what form?
Replies: 38
Views: 11405

Re: Gold in what form?

Trying to resurrect the old thread. I want a 5% allocation to gold. Anybody know where i can buy IAU or GLD commission free? Don't think you can. TryRobinhood- Central Fund of Canada has a discount to NAV- with 40% silver exposure. Just looked into robinhood. They don't support an IRA. I haven't ma...
by lemonPepper
Tue Aug 23, 2016 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Gold in what form?
Replies: 38
Views: 11405

Re: Gold in what form?

At $7 a trade - is it worth bothering to look around to where you can buy GLD commission free? only reason is I'm starting with a small portfolio ($120k) and I will be buying more gold as I save more. So I may have a few buy transactions every year if gold drops in price or a sell transaction if it...
by lemonPepper
Tue Aug 23, 2016 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Gold in what form?
Replies: 38
Views: 11405

Re: Gold in what form?

Trying to resurrect the old thread. I want a 5% allocation to gold. Anybody know where i can buy IAU or GLD commission free?
by lemonPepper
Tue Aug 23, 2016 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 131
Views: 23684

Re: What to do with VGPMX (Vanguard Precious Metals and Mining)?

http://i66.tinypic.com/15yca2u.png I'm trying to incorporate a 10% allocation VGPMX in my IPS. I like the low correlation with us equities is a textbook case for rebalancing. However I have no idea if I have the nerve to own an underperforming asset for decades. I think the underperformance serious...
by lemonPepper
Tue Aug 23, 2016 1:47 pm
Forum: Investing - Theory, News & General
Topic: Developing conviction to stick with a long-term investment plan
Replies: 14
Views: 1996

Re: Developing conviction to stick with a long-term investment plan

When you're just beginning it's good practice to read several books. But after reading a handful of books--"Bogleheads Guide", books by Jack Bogle, Rick Ferri, and Dr. Bernstein, you're pretty well set. There is a big drop-off in the marginal utility after those have been read. Many of us here are ...
by lemonPepper
Tue Aug 23, 2016 12:37 pm
Forum: Investing - Theory, News & General
Topic: Developing conviction to stick with a long-term investment plan
Replies: 14
Views: 1996

Re: Developing conviction to stick with a long-term investment plan

Nice suggestion on writing down your rationale. Writing makes it more clear for me. I'm in the phase where I'm still building my portfolio strategy. Contrary to what many people say, successful investing is time consuming. Now most of the time I need to invest is not in trading or reading individual...
by lemonPepper
Sat Aug 20, 2016 5:39 pm
Forum: Investing - Theory, News & General
Topic: Better growth? Or on how the value premium ends
Replies: 216
Views: 17076

Re: Better growth? Or on how the value premium ends

Larry, I definitely appreciate you trying to explain this in many different ways.
by lemonPepper
Fri Aug 19, 2016 4:51 pm
Forum: Investing - Theory, News & General
Topic: Are there other reasons besides volatility to avoid 100% equities?
Replies: 115
Views: 10214

Re: Are there other reasons besides volatility to avoid 100% equities?

volatility causes sequence of returns risk and bonds are a way to reduce that risk
by lemonPepper
Fri Aug 19, 2016 4:34 pm
Forum: Investing - Theory, News & General
Topic: Time Diversification - bottom line, what do you do?
Replies: 41
Views: 5070

Re: Time Diversification - bottom line, what do you do?

do you mean time diversification as a way to reduce sequence of returns risk?
by lemonPepper
Thu Aug 18, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: Bogus "sale" prices and savvy shoppers
Replies: 26
Views: 3537

Re: Bogus "sale" prices and savvy shoppers

yes, there are bogus sale prices all the time. I hate it.. saving money on shopping is very time consuming. for online shopping one price match tool I've used successfully is paribus. It tracks prices of things you buy and makes a refund request automatically. I haven't used citi price refund. They ...
by lemonPepper
Thu Aug 18, 2016 1:06 pm
Forum: Investing - Theory, News & General
Topic: Better growth? Or on how the value premium ends
Replies: 216
Views: 17076

Re: Better growth? Or on how the value premium ends

Say the market has growth companies and value companies. Every company had the same $100 in earnings last year (to keep things simple). Growth companies have a PE of 30 and value companies a PE of 10. There are no other companies. Alpha Corp has a PE of 30 and Beta Corp has a PE of 10. The market t...
by lemonPepper
Tue Aug 16, 2016 5:48 pm
Forum: Investing - Theory, News & General
Topic: Someone wants to pay me to manage their finances
Replies: 46
Views: 6023

Re: Someone wants to pay me to manage their finances

You are taking the risk of getting blamed for no compensation. There is no right or wrong answer with investing. So in BH philosophy, I would not do it. It's not like a restaurant recommendation or helping someone with their computer.
by lemonPepper
Tue Aug 16, 2016 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual fund that replicates SLYV
Replies: 13
Views: 1186

Re: Mutual fund that replicates SLYV

only problem with VRTVX is the min is $5mn :o
by lemonPepper
Tue Aug 16, 2016 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual fund that replicates SLYV
Replies: 13
Views: 1186

Re: Mutual fund that replicates SLYV

I have also looked at the mutual fund equivalent of SLYV but haven't found it.

SLYV has enough trading volume to yield a low bid/ask spread. I'm buying it thru schwab commission free and I think dividend reinvestment is also commission free.
by lemonPepper
Mon Aug 15, 2016 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Barrier to credit card warranty protection claim
Replies: 22
Views: 2238

Re: Barrier to credit card warranty protection claim

You should be able to call the credit card company and ask them for the old card #. Many statements have the number in the payment portion. I do take pictures of my old credit cards and store it in one drive for future use. The T&Cs do change from time to time so don't count on coverage. I think cov...
by lemonPepper
Mon Aug 15, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: buying used car smarter than buying new?
Replies: 89
Views: 7408

Re: buying used car smarter than buying new?

do you have a reliable mechanic? Are you knowledgeable about cars? I think if you are not then used cars may not save you as much money. That's what happened to me until I took the time to learn about car maintenance and found a reliable mechanic. I have bought a new and an old car. The new car buyi...
by lemonPepper
Fri Aug 12, 2016 1:27 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1352
Views: 228859

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

pardon my truly dumb question but I'm wondering what happens to reinvested dividends? Let's say you transfer vanguard ETFS but they cannot be purchased commission free at a certain brokerage. When you get a certain amount in dividends and reinvest them, do you have to pay the trading commission ever...
by lemonPepper
Thu Aug 11, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Job Offer, What Should I Do
Replies: 11
Views: 1736

Re: Job Offer, What Should I Do

I'm of the opinion that money really matters in your first job. Often times your future employers will ask you about your current compensation and use that as a basis for your future compensation. The employers goal is to get you to work for them for as little as possible. If you don't like the job,...
by lemonPepper
Mon Aug 08, 2016 6:58 pm
Forum: Personal Consumer Issues
Topic: Points/Miles Schemes - Waste of time or worth it?
Replies: 76
Views: 10896

Re: Points/Miles Schemes - Waste of time or worth it?

I think the boglehead crowd may be more resistant to getting used to luxuries they cannot afford. The general populace will develop expensive habits because they stayed in an expensive place. But the peopel who fall for this trap are paying for the rewards reaped by more disciplined and unemotional ...
by lemonPepper
Mon Aug 08, 2016 6:58 pm
Forum: Personal Consumer Issues
Topic: Points/Miles Schemes - Waste of time or worth it?
Replies: 76
Views: 10896

Re: Points/Miles Schemes - Waste of time or worth it?

I think the boglehead crowd may be more resistant to getting used to luxuries they cannot afford. The general populace will develop expensive habits because they stayed in an expensive place. But the peopel who fall for this trap are paying for the rewards reaped by more disciplined and unemotional ...
by lemonPepper
Mon Aug 08, 2016 6:54 pm
Forum: Investing - Theory, News & General
Topic: Equal weight index funds
Replies: 75
Views: 14307

Re: Equal weight index funds

what a lively discussion. I learned a bunch. One problem with equal weight is that some small companies would get more capital than they can handle efficiently. A company with revenues < $1bn would get too much inflow if people started doing equal weights. The other side of the cap weight problem is...
by lemonPepper
Fri Aug 05, 2016 11:29 am
Forum: Personal Consumer Issues
Topic: Recommend Ad Blockers
Replies: 56
Views: 6180

Re: Recommend Ad Blockers

I didn't know about ublock origin. Just installed it.

I don't like any companies are really pimps e.g. google,facebook. I prefer to use firefox and duck duck go as my search engine
by lemonPepper
Wed Aug 03, 2016 11:12 pm
Forum: Personal Consumer Issues
Topic: Points/Miles Schemes - Waste of time or worth it?
Replies: 76
Views: 10896

Re: Points/Miles Schemes - Waste of time or worth it?

OP, you should read about the behavioral aspects of miles/points in this awesome post.

http://moneymetagame.com/fi/is-anyone-a ... l-hacking/
by lemonPepper
Wed Aug 03, 2016 4:53 pm
Forum: Personal Consumer Issues
Topic: Points/Miles Schemes - Waste of time or worth it?
Replies: 76
Views: 10896

Re: Points/Miles Schemes - Waste of time or worth it?

If you agree that luxuries quickly become necessities, then you should not spend time chasing miles and points. Points & miles is a game played by credit card companies & travel providers to lure you into fancy travel, get you hooked and trap you. If you make enough money to afford these kind of hot...
by lemonPepper
Tue Aug 02, 2016 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody used Simple.com yet?
Replies: 5
Views: 1742

Re: Anybody used Simple.com yet?

I know this is an old thread and I'm posting it just for others who maybe looking for info here. I have used various checking accounts over time and dissatisfied with most of them. I have a USAA account but since I wasn't in the military, they don't allow me to deposit checks. Everything else works ...
by lemonPepper
Tue Aug 02, 2016 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Is my IRA really an IOU to the IRS??
Replies: 58
Views: 7779

Re: Is my IRA really an IOU to the IRS??

A quick Retirement Planning question to the Boglehead community : As I approach early retirement at age 59 in 6 months, I was wondering if there is anything that could be done now (pre-retirement) with my sizeable Roth and Regular IRA's to lessen the tax burden when I finally start cashing them in ...