Three Billboards Outside Ebbing, Missouri (2017). Frances McDormand, Sam Rockwell, Woody Harrelson. 3.5/5
Lady Bird (2017). Saoirse Ronan, Laurie Metcalf. 5/5
Search found 150 matches
- Sat Apr 07, 2018 5:14 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 3500
- Views: 987014
- Tue Feb 20, 2018 3:10 pm
- Forum: Investing - Help with Personal Investments
- Topic: Transferring from Financial Advisor
- Replies: 12
- Views: 1367
Re: Transferring from Financial Advisor
The only reason I can think to have one is if certain criteria for the client are met and the client is the one to decide on those criteria. I think that being a high net worth or ultra high net worth investor and relatively unsophisticated would be part of that criteria. Secondly, if you have a spo...
- Tue Jan 09, 2018 9:14 pm
- Forum: Investing - Help with Personal Investments
- Topic: An economist dismisses the idea of dollar cost averaging
- Replies: 71
- Views: 5645
Re: An economist dismisses the idea of dollar cost averaging
To me, DCA is to investing what modern monetary theory is to economics. It's just another way to describe the how of the system rather than the effects of using the system while posing itself as an explanation of the system (or even being misunderstood as a means to describe the effects of the syste...
- Tue Dec 19, 2017 11:57 am
- Forum: Investing - Theory, News & General
- Topic: Where do you read financial news?
- Replies: 39
- Views: 3807
Re: Where do you read financial news?
Google Finance :happy I liked it better before the update. Charts showed dividends, funds had blurbs about what was in them, I'm not sure why they decided this change was better or even necessary. It made it more like a social media platform but instead of connecting with people you connect with pr...
- Tue Oct 17, 2017 11:26 am
- Forum: Personal Consumer Issues
- Topic: good used car.
- Replies: 11
- Views: 1294
Re: good used car.
hello bogleheads, I'm looking for some recommendations on a good used car/suv with under 100,000 mi. with excellent mpg & excellent track record mechanically for around $10,000 or less....bill 2010 - 2014 Honda CRV, Toyota RAV-4, Subaru Forester, Accord, Civic, Corolla, Outback, Camry, Impreza
- Thu Oct 05, 2017 10:46 am
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 3500
- Views: 987014
Re: What Movie Have You Recently Watched?
Hell or High Water (2016). Ben Foster, Chris Pine, Jeff Bridges. Two brothers rob banks to pay a lien on their ranch from the same bank they're robbing. Great performances by Foster and Bridges. Gripping, well-written, great cinematography of the barren flat Texas landscape. By the same writer of Si...
- Thu Oct 05, 2017 10:39 am
- Forum: Investing - Help with Personal Investments
- Topic: Certified Financial Planner (CFP) ???
- Replies: 26
- Views: 3221
Re: Certified Financial Planner (CFP) ???
Series 65 isn't a FINRA exam. It's a state law exam that allows someone to register an RIA/IAR and offer investment advice. I don't think that is exactly on point. According to FINRA it is a FINRA exam. Also, are you confusing the Series 65 "Uniform Registered Investment Adviser Law Exam" with the ...
- Thu Sep 28, 2017 1:46 pm
- Forum: Investing - Help with Personal Investments
- Topic: Certified Financial Planner (CFP) ???
- Replies: 26
- Views: 3221
Re: Certified Financial Planner (CFP) ???
A CFP is just another certification that lets someone offer investment advice, same as a Series 65. No. The Series 65 is offered by FINRA and is a regulatory requirement to offer certain services to the public. Nothing requires you to get a CFP. It is more akin to a MBA. It is a stamp of certain le...
- Tue Sep 26, 2017 6:37 pm
- Forum: Investing - Help with Personal Investments
- Topic: Certified Financial Planner (CFP) ???
- Replies: 26
- Views: 3221
Re: Certified Financial Planner (CFP) ???
A CFP is just another certification that lets someone offer investment advice, same as a Series 65. Allows them to open their own registered investment adviser and/or be an investment adviser representative of an RIA and a) offer financial planning advice or b) offer asset management. Some are good ...
- Wed Aug 02, 2017 12:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: Finance as a college major?
- Replies: 50
- Views: 5135
Re: Finance as a college major?
I knew of a finance major who landed a job at an insurance company which didn't require the degree. It was in sales. He lasted a few months before quitting, going back to get a BS in chemistry, and going to pharmacy school. He wanted the money, but he didn't have the sales gene. Investment Advisers,...
- Wed Aug 02, 2017 7:16 am
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 3500
- Views: 987014
Re: What Movie Have You Recently Watched?
Dunkirk: Unlike the majority, I thought it was terrible. To me this "stream of consciousness" approach is just too pretentious. Tell the story, dammit, and don't waste my time trying to impress me with how good you are at confounding time and intermixing points of view. My younger relatives all tho...
- Sun Jul 30, 2017 2:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Philosophy major and future law student
- Replies: 93
- Views: 6346
Re: Philosophy major and future law student
I work in the securities regulation industry and work closely with a fellow who has a BA in philosophy and a J.D. He did private law work in divorce and family law before going into securities. There was a learning curve for him regarding products, suitability, and the differences of agents vs. advi...
- Fri Jul 28, 2017 6:29 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 3500
- Views: 987014
Re: What Movie Have You Recently Watched?
What?ETadvisor wrote:Gone Baby Gone - climatic ending that is very debatable
- Fri Jul 28, 2017 6:14 pm
- Forum: Investing - Theory, News & General
- Topic: Where should I save my money?
- Replies: 8
- Views: 1315
Re: Where should I save my money?
My Synchrony Bank savings is currently 1.2%. Better than a CD because you can always add to it periodically. Dump in the lump sum and keep contributing. I've used Ally as well in the past but I find Synchrony stays ahead on rates. Rather use a savings account than a CD any day, especially if the sav...
- Fri Jul 28, 2017 5:31 pm
- Forum: Investing - Theory, News & General
- Topic: Are any advisors not self serving
- Replies: 25
- Views: 2668
Re: Are any advisors not self serving
Flat fee (negotiated and charged per contract) vs. % of AUM is usually how they charge, but I've mostly seen % of AUM usually with smaller % on more AUM to entice them over as there will be more small accounts with the larger fee (about 1.5 to 2%) average. I think some small (less than $100M in AUM)...
- Thu Jul 27, 2017 3:14 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 3500
- Views: 987014
Re: What Movie Have You Recently Watched?
Hacksaw Ridge (2016) Andrew Garfield, Vince Vaughn. Directed by Mel Gibson, this is the story of Desmond Doss, a Seventh-Day Adventist conscientious objector who served in WWII as a combat medic after being scrutinized and humiliated for being non-violent and wishing to not carry a weapon during bat...
- Mon Jul 24, 2017 5:17 pm
- Forum: Personal Finance (Not Investing)
- Topic: RIA [Registered Investment Advisor]
- Replies: 7
- Views: 867
Re: RIA [Registered Investment Advisor]
series 65 makes you an IAR, so you have a fiduciary duty. the test is mostly about laws of RIAs/IARs and some investment advice/suitability/product stuff from the Series 7
- Mon Jul 24, 2017 1:07 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 3500
- Views: 987014
Re: What Movie Have You Recently Watched?
I'm waiting until I have a couple hours without the kids to watch Rogue One on Netflix. Looking forward to that. Dunkirk (2017). Christopher Nolan's fictional account of the colossal mistake by the Allies and the effort to rescue upwards of 300,000 soldiers from the beaches of France. Suspenseful, y...
- Sun Jul 23, 2017 5:44 pm
- Forum: Personal Finance (Not Investing)
- Topic: RIA [Registered Investment Advisor]
- Replies: 7
- Views: 867
Re: RIA [Registered Investment Advisor]
whatre you trying to do, open your own IA or join one
- Fri Jul 21, 2017 12:33 pm
- Forum: Investing - Theory, News & General
- Topic: Most Americans don't trust financial advisers
- Replies: 64
- Views: 7370
Re: Most Americans don't trust financial advisers
Most regular people don't know where to start with investing and they're too ashamed or afraid to ask. Asking an FA at Edward Jones is probably safer than asking an IA with his own firm or an insurance agent but even then it's a risk. So many pure scam artists are out there not even licensed or regi...
- Fri Jul 21, 2017 12:25 pm
- Forum: Personal Consumer Issues
- Topic: Indoor activities for a 3-year-old
- Replies: 61
- Views: 3821
Re: Indoor activities for a 3-year-old
Big Legos, hide and seek, organizing animals, dancing, karaoke, Play-Doh, drawing, painting, reading, practicing writing, learning about weather, looking at maps, encyclopedias with pictures, practicing colors, counting, practicing basic math (1+1, 1+2)
- Thu Jul 20, 2017 8:36 pm
- Forum: Personal Consumer Issues
- Topic: How is U-Haul for getting a trailer hitch?
- Replies: 28
- Views: 3172
Re: How is U-Haul for getting a trailer hitch?
Make sure you get one new, may try to slip you a used one. And the installer should be experienced, don't trust a new employee. I've dealt with them and it really depends on the shop and crew but it should be fine.
- Sun Jul 16, 2017 8:53 am
- Forum: Investing - Help with Personal Investments
- Topic: Elderly Grandparent's investment allocation
- Replies: 18
- Views: 1713
Re: Elderly Grandparent's investment allocation
If she needs income or has quick liquidity needs, she may have to forego any real returns and put some in short term CDs. Maybe buy about $50k in muni bonds, but keep some in 6 to 12 month CDs. Online banks offer some decent returns that will far outdo anything at brick and mortar, which may be a pr...
- Thu Jul 13, 2017 10:37 am
- Forum: Investing - Help with Personal Investments
- Topic: 13 year old with $2000 to invest
- Replies: 20
- Views: 2483
Re: 13 year old with $2000 to invest
I saved about $1250 my first summer working (lifeguarding) after buying dumb t-shirts, cheap gas, and whatever else sixteen year old boys buy. With that $1250, I was able to go on my senior trip. I wouldn't be trying to invest in retirement at that age. I'd be trying to save money, especially if col...
- Wed Jul 12, 2017 3:02 pm
- Forum: Investing - Help with Personal Investments
- Topic: Where to put 65k cash
- Replies: 64
- Views: 6072
- Wed Jul 12, 2017 2:58 pm
- Forum: Investing - Help with Personal Investments
- Topic: Where to put 65k cash
- Replies: 64
- Views: 6072
Re: Where to put 65k cash
Ok, so lets tell a 24 year old who obviously has no clue what he's doing to go out and start picking individual stocks. Great idea. Ok, so let's tell a 24 year old who obviously has no clue what he's doing to go out and start buying funds that contain all those stocks. Great idea. Amateurnovice, wh...
- Wed Jul 12, 2017 2:55 pm
- Forum: Investing - Help with Personal Investments
- Topic: Where to put 65k cash
- Replies: 64
- Views: 6072
Re: Where to put 65k cash
amateurnovice, I suggest you read up on the topic of unsystematic risk . https://www.bogleheads.org/wiki/Risk_and_return:_an_introduction#Diversification Diversification Risk can be reduced through diversification. The risk of investing in a single risky security, such as a stock or corporate bond,...
- Wed Jul 12, 2017 2:10 pm
- Forum: Investing - Help with Personal Investments
- Topic: Where to put 65k cash
- Replies: 64
- Views: 6072
Re: Where to put 65k cash
First off, I'm not going sway anyone's thinking here so I'm not going to open myself up for ad hominems. I'll give my brief assessment which is easily eviscerated by boglehead "stay the course" logic because, honestly, there isn't much to that argument and every deviation from it is flat out wrong,...
- Wed Jul 12, 2017 2:04 pm
- Forum: Investing - Help with Personal Investments
- Topic: Where to put 65k cash
- Replies: 64
- Views: 6072
Re: Where to put 65k cash
What if you were to accomplish that diversification by buying a fund like Total Stock Market? Sounds like a solid plan to me. Sounds like putting all the eggs in one basket, which isn't a great idea if you've ever bought any eggs. Could you elaborate? How would you describe the risks of the TSM bas...
- Wed Jul 12, 2017 1:43 pm
- Forum: Investing - Help with Personal Investments
- Topic: Where to put 65k cash
- Replies: 64
- Views: 6072
Re: Where to put 65k cash
What if you were to accomplish that diversification by buying a fund like Total Stock Market? Sounds like a solid plan to me. Sounds like putting all the eggs in one basket, which isn't a great idea if you've ever bought any eggs. Could you elaborate? How would you describe the risks of the TSM bas...
- Wed Jul 12, 2017 1:11 pm
- Forum: Investing - Help with Personal Investments
- Topic: Where to put 65k cash
- Replies: 64
- Views: 6072
Re: Where to put 65k cash
Sounds like putting all the eggs in one basket, which isn't a great idea if you've ever bought any eggs.MoonOrb wrote:What if you were to accomplish that diversification by buying a fund like Total Stock Market? Sounds like a solid plan to me.
- Wed Jul 12, 2017 8:39 am
- Forum: Investing - Help with Personal Investments
- Topic: Where to put 65k cash
- Replies: 64
- Views: 6072
Re: Where to put 65k cash
Plenty of good individual stocks to put that in and reinvest the dividends without worrying about which fund or why. Funds are so high right now, you'd be getting in and possibly staying at a plateau for a while. I'd look at some individual companies that are competing against others and have grown...
- Wed Jul 12, 2017 8:31 am
- Forum: Investing - Theory, News & General
- Topic: TSP Expense Ratio jumps to 0.038%
- Replies: 72
- Views: 9418
Re: TSP Expense Ratio jumps to 0.038%
dm200 wrote:I am not (nor have ever been) a TSP participant. I am a taxpayer and participant in various retirement programs.
I see NO reason that the employer (federal gevernment, taxpayers) should further subsidize the TSP.
sweet take

- Tue Jul 11, 2017 8:33 pm
- Forum: Investing - Help with Personal Investments
- Topic: Where to put 65k cash
- Replies: 64
- Views: 6072
Re: Where to put 65k cash
Plenty of good individual stocks to put that in and reinvest the dividends without worrying about which fund or why. Funds are so high right now, you'd be getting in and possibly staying at a plateau for a while. I'd look at some individual companies that are competing against others and have grown...
- Tue Jul 11, 2017 7:43 pm
- Forum: Investing - Help with Personal Investments
- Topic: Where to put 65k cash
- Replies: 64
- Views: 6072
Re: Where to put 65k cash
Plenty of good individual stocks to put that in and reinvest the dividends without worrying about which fund or why. Funds are so high right now, you'd be getting in and possibly staying at a plateau for a while. I'd look at some individual companies that are competing against others and have grown ...
- Mon Jul 10, 2017 9:30 am
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 3500
- Views: 987014
Re: What Movie Have You Recently Watched?
Room (2015) Brie Larson, William H. Macy, Joan Allen. I'd been wanting to watch this for some time now, but hadn't gotten around to it until the other day. I'm glad to finally watch it to see if Larson was worthy of an Oscar for her performance - she was. This movie was great, if sometimes hard to w...
- Mon Jul 10, 2017 9:18 am
- Forum: Investing - Help with Personal Investments
- Topic: Should I invest in this business?
- Replies: 19
- Views: 1692
Re: Should I invest in this business?
One of these went into a prime location in my hometown which has three colleges (one two-year baptist affiliated, one four-year major liberal arts which you'd think would've really brought in the crowds given it was less than 1/4 mile away, one four-year mid-level public) and didn't last very long. ...
- Fri Jul 07, 2017 1:34 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 3500
- Views: 987014
Re: What Movie Have You Recently Watched?
Captain Fantastic (2016) Viggo Mortensen. A father raises his children in the forests of the Cascades to escape the ills of modern technology and society. 5/5
- Thu Jul 06, 2017 11:49 am
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 3500
- Views: 987014
Re: What Movie Have You Recently Watched?
Sicario (2015) Emily Blunt, Josh Brolin, Benicio Del Toro. Drug cartels battle with FBI and border agents in this action thriller about a mysterious agent and his mission. Brolin displays the same bravado as his roles in Wall Street: Money Never Sleeps and American Gangster. Blunt comes across as un...
- Mon Jun 26, 2017 7:37 am
- Forum: Investing - Help with Personal Investments
- Topic: Crazy(?) Adviser Advice: "I don't believe in bonds"
- Replies: 49
- Views: 6438
Re: Crazy(?) Adviser Advice: "I don't believe in bonds"
I don't believe in bonds either. Other than decreasing account volatility within funds, and needing steady income, I wouldn't own them at all, ever. I don't now except for a small amount within my 457 and the 10% in my 2045 retirement fund. Once I'm older, I might own some munis, but even then I int...
- Fri Jun 23, 2017 7:49 am
- Forum: Personal Consumer Issues
- Topic: Is the new Chevy Equinox any good?
- Replies: 59
- Views: 6897
Re: Is the new Chevy Equinox any good?
2013 Equinox owner here... We've never had any major mechanical issues, specifically none with the engine (knock on wood). We've run into issues with the USB connection to the radio insofar as trying to connect our iPhones for Pandora or even just using iTunesj, but usually restarting the car solves...
- Wed Jun 21, 2017 7:55 am
- Forum: Personal Consumer Issues
- Topic: Help with Guns in Estate [how to sell]
- Replies: 56
- Views: 6183
Re: Help with Guns in Estate [how to sell]
Oregon laws are unfamiliar to me, but pawn shops might be an option. If any are "collectible" in nature, you might be able to find a dealer that specializes in obscure weapons. We ran into a similar situation with my grandfather as some of his guns were potentially useful (hunting, home defense) whi...
- Wed Jun 07, 2017 2:39 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 3500
- Views: 987014
Re: What Movie Have You Recently Watched?
accidentally responded
- Wed Jun 07, 2017 2:39 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 3500
- Views: 987014
Re: What Movie Have You Recently Watched?
The Wizard of Lies (2017) Robert De Niro, Michelle Pfeiffer. This is a look at the story of Bernie Madoff told through narrative flashbacks as De Niro talks with a journalist from prison. We all know the story: a massive Ponzi scheme, the largest in history I think, of the investment advisory arm o...
- Wed Jun 07, 2017 2:37 pm
- Forum: Investing - Theory, News & General
- Topic: Why You Still Can’t Trust Your Financial Adviser
- Replies: 54
- Views: 7369
Re: Why You Still Can’t Trust Your Financial Adviser
If you're lucky enough to fall into some cash and/or happen to have a spouse that doesn't have a clue about money and you might, ya know, die someday and leave it to them, a trustworthy FA for them to know in person is a good thing. Scout it out, find a good one with a solid reputation and a guidin...
- Wed Jun 07, 2017 8:56 am
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 3500
- Views: 987014
Re: What Movie Have You Recently Watched?
The Wizard of Lies (2017) Robert De Niro, Michelle Pfeiffer. This is a look at the story of Bernie Madoff told through narrative flashbacks as De Niro talks with a journalist from his prison. We all know the story: a massive Ponzi scheme, the largest in history I think, of the investment advisory ar...
- Wed Jun 07, 2017 8:42 am
- Forum: Investing - Theory, News & General
- Topic: Why You Still Can’t Trust Your Financial Adviser
- Replies: 54
- Views: 7369
Re: Why You Still Can’t Trust Your Financial Adviser
If you're lucky enough to fall into some cash and/or happen to have a spouse that doesn't have a clue about money and you might, ya know, die someday and leave it to them, a trustworthy FA for them to know in person is a good thing. Scout it out, find a good one with a solid reputation and a guiding...
- Mon Jun 05, 2017 2:31 pm
- Forum: Personal Finance (Not Investing)
- Topic: CIT Bank offering 1.15% savings account and up to $400 bonus
- Replies: 9
- Views: 1943
Re: CIT Bank offering 1.15% savings account and up to $400 bonus
Synchrony raised their savings rate to 1.15% a few days ago, no minimum balance or fees.
- Fri Jun 02, 2017 1:48 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 3500
- Views: 987014
Re: What Movie Have You Recently Watched?
War Machine (2017) Brad Pitt, Topher Grace, Anthony Michael Hall, Russell Crowe (cameo). Netflix Original about a general with the Marines who is tasked with getting the US military out of Afghanistan, but is actually part of a political play he is unaware of. Supposedly, this story is about Stanley...
- Mon May 01, 2017 7:29 am
- Forum: Personal Finance (Not Investing)
- Topic: Which High-Yield Online Savings Account Should I Open?
- Replies: 72
- Views: 12131
Re: Which High-Yield Online Savings Account Should I Open?
I would go with Synchrony as I've successfully connected multiple accounts to it with no issues.