Search found 143 matches

by chrisdds98
Sat Nov 28, 2020 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Timeshare surrender denied, no idea why, please help
Replies: 163
Views: 10523

Re: Timeshare surrender denied, no idea why, please help

nisiprius wrote: Sat Nov 28, 2020 4:31 pm 1) You need a lawyer. Possibly a different one, but you need a lawyer.

2) I seriously doubt that "just ignoring the bills" is a good idea.
who is getting billed? the parents, I assume. I guess they could sue the estate but is he the heir responsible for anything?
by chrisdds98
Tue Oct 20, 2020 11:49 pm
Forum: Investing - Theory, News & General
Topic: Riding HEDGEFUNDIE’s excellent adventure
Replies: 53
Views: 9178

Re: Riding HEDGEFUNDIE’s excellent adventure

One thing I'm curious to hear what others think about is cheaper, more efficient/customizable alternatives. I'll explain where I'm coming from here. I'm assuming that anyone on bogleheads is already in the >95th percentile of both financial literacy, attention to the current financial landscape, an...
by chrisdds98
Tue Oct 13, 2020 6:57 pm
Forum: Investing - Theory, News & General
Topic: VTIP vs SCHP
Replies: 3
Views: 362

Re: VTIP vs SCHP

vtip is an alternative to cash. schp looks like an intermediate tips fund. totally different objectives
by chrisdds98
Tue Oct 13, 2020 4:54 pm
Forum: Personal Consumer Issues
Topic: Is a Mini PC a reasonable option?
Replies: 10
Views: 974

Re: Is a Mini PC a reasonable option?

if thats all you use it for consider a chromebox. same concept but with an operating system that doesn't get viruses and is much faster for the price.
by chrisdds98
Tue Oct 06, 2020 12:49 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6807
Views: 655806

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Anyone know why yields on LTTs are going up so much (and prices of TMF,EDV, etc down so much) this week? Is it just "risk-on" or something more closely linked to rates/inflation expectations? TMF dropped more than 6% yesterday, and from my casual observing that seems a lot more than just ...
by chrisdds98
Sat Oct 03, 2020 9:56 am
Forum: Investing - Theory, News & General
Topic: NTSX tax efficiency
Replies: 5
Views: 630

Re: NTSX tax efficiency

ok, great to hear. I'm trying to find a reason to not make this a core holding in my taxable account and I can't come up with one. i just want to make sure I'm not missing something obvious that makes this a bad idea
by chrisdds98
Fri Oct 02, 2020 11:26 am
Forum: Investing - Theory, News & General
Topic: NTSX tax efficiency
Replies: 5
Views: 630

NTSX tax efficiency

Is it tax efficient to use this fund in a taxable account? I will probably have an early retirement and don't want to fill my tax deferred space with bonds. I know from the boglehead wiki that bonds in taxable (I would use treasuries, no desire for munis) are inefficient. Are the futures used in NTS...
by chrisdds98
Wed Sep 30, 2020 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Capture/Conserve Our Vanguard Profits
Replies: 16
Views: 1483

Re: Best Way to Capture/Conserve Our Vanguard Profits

you might want to consider short term tips (VTIP) to provide some inflation protection. I plan to use that and high interest savings account/CDs for my cash while in retirement.
by chrisdds98
Fri Sep 11, 2020 5:02 pm
Forum: Personal Investments
Topic: Creating a DIY savings account with an investment account
Replies: 27
Views: 2013

Re: Creating a DIY savings account with an investment account

I looked in VTIP. In a deflation situation it could be quite terrible and like I said high interest savings accounts right now are paying 0.70% so think the risk is worth getting 2.3% to keep up with at least normal inflation. Hard to say what is coming though. would it be terrible? I guess relativ...
by chrisdds98
Fri Sep 11, 2020 1:59 pm
Forum: Personal Investments
Topic: Creating a DIY savings account with an investment account
Replies: 27
Views: 2013

Re: Creating a DIY savings account with an investment account

I think there is a decent chance of inflation with the new change in fed policy so I will have one year of expenses in VTIP, short tips. negative real return but if we get bad inflation i'll have about the same purchasing power. If you don't think inflation is an issue I think your plan is fine. Don...
by chrisdds98
Tue Sep 08, 2020 9:43 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6807
Views: 655806

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I am considering buying 55% UPRO / 45% TMF in a brokerage account. Is a brokerage account fine or do people recommend using a Roth IRA? Also can I just use Robinhood or would you recommend Vanguard Brokerage Account? frequent selling can lead to short term cap gains. I did this in taxable as well. ...
by chrisdds98
Thu Sep 03, 2020 2:04 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6807
Views: 655806

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

statefan03 wrote: Thu Sep 03, 2020 1:43 pm No activity on this thread today? TQQQ is down %15. Curious how all you guys are doing today.
shoulda rebalanced yesterday!
by chrisdds98
Wed Sep 02, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Tesla Full Self Driving Option
Replies: 131
Views: 10385

Re: Tesla Full Self Driving Option

if you get a used tesla it seems like getting a car that already has FSD makes a lot of sense.
by chrisdds98
Wed Sep 02, 2020 12:55 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6807
Views: 655806

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Hey, I've got a question for those of you who use TYD. Why is it slightly down today when IEF (int treasuries) and UST (2x int) both up?
by chrisdds98
Tue Aug 11, 2020 10:20 am
Forum: Personal Investments
Topic: Short Term Treasury vs. Short Term Federal
Replies: 15
Views: 1286

Re: Short Term Treasury vs. Short Term Federal

looks like the federal has a little more risk. treasuries would be a little safer, you just need to decide if the higher yield is worth the increase in risk. this is from vanguard The fund’s investment objective is to seek to provide current income while maintaining limited price volatility. Under n...
by chrisdds98
Tue Aug 11, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: Anyone using meal delivery services?
Replies: 52
Views: 2926

Re: Anyone using meal delivery services?

Given the availability of recipes on the internet, the huge number of fast food restaurants with drive through and normal restaurants with pickup options can someone explain to me the attraction of meal delivery services? meal delivery is very convenient since they ship to the house. I used factor7...
by chrisdds98
Fri Aug 07, 2020 10:56 am
Forum: Personal Investments
Topic: Why use savings accounts?
Replies: 8
Views: 1000

Re: Why use savings accounts?

TIPS may return less than 1% and also lacks FDIC insurance. TIPS will also add the complexity of taxable transactions. Probably not going to move the needle for you either way. Have you looked into I Bonds? Since TIPS are backed by the treasury is not having FDIC insurance an issue? the plan for my...
by chrisdds98
Fri Aug 07, 2020 10:16 am
Forum: Personal Investments
Topic: Why use savings accounts?
Replies: 8
Views: 1000

Why use savings accounts?

I'm trying to figure out the real return of savings accounts. Looks like the best rates are around 1% and with inflation around 2% isn't the real yield negative? Why not use a short term tips fund like vtip instead? It has a negative real yield but at least offers inflation protection and is backed ...
by chrisdds98
Thu Jul 30, 2020 10:27 am
Forum: Personal Investments
Topic: Vanguard Total World Stock ETF (VT) Index for Kid
Replies: 32
Views: 1752

Re: Vanguard Total World Stock ETF (VT) Index for Kid

000 wrote: Wed Jul 29, 2020 5:02 pm VT in taxable gets no foreign tax credit.
yes, this was my understanding as well. Is this not correct? I do vti/vxus in taxable because of this
by chrisdds98
Thu Jul 16, 2020 5:46 pm
Forum: Personal Investments
Topic: Firecalc says 100% success with 0% stocks
Replies: 37
Views: 4476

Re: Firecalc says 100% success with 0% stocks

TIPS ladder is probably the safest way to go. Personally I would seriously consider an annuity (1M will give 40-60k/yr last I checked) and leave the remaining 600k in equities as an inflation hedge
by chrisdds98
Sun Jul 05, 2020 3:02 pm
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 150
Views: 10351

Re: Am I crazy to do this?

Some clarification here - when I meant invest in the NASDAQ index, I meant investing in NASDAQ 100 via QQQ. Sorry, I should have been clearer about it. Appreciate all the responses. Is this a hedge for a worsening coronavirus? That sounds reasonable to me. you may underperform total market at the c...
by chrisdds98
Sat Jun 20, 2020 2:00 pm
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla Y
Replies: 15
Views: 1623

Re: Used Tesla S or new Tesla Y

I don’t know hat I’d do here. I do read the Tesla forums quite a bit. A lot of Model3 owners have had a Model S as a loaner car. They all say they like the Model 3 better, particularly the ride and the overall feeling of it. The say the S feels larger and more floaty. I currently drive a lexus LS s...
by chrisdds98
Sat Jun 20, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla Y
Replies: 15
Views: 1623

Used Tesla S or new Tesla Y

I'm really interested in the FSD of tesla and was going to get a model Y since it had so much more space then the model 3. But adding FSD gets the price up to 60k. I could also get a used 2017 tesla S 90D with FSD and less then 30k miles for the same price. could also get a 2017 S 75 for under 50k A...
by chrisdds98
Fri Jun 19, 2020 3:50 pm
Forum: Personal Investments
Topic: double checking what Vanguard told me re"treasuries" both return and volatility
Replies: 8
Views: 708

Re: double checking what Vanguard told me re"treasuries" both return and volatility

dbr wrote: Fri Jun 19, 2020 1:53 pm Generally there are no options in low risk fixed income right now that are likely to even pace inflation.
wouldn't short term tips keep up with inflation? granted they have a negative yield...
by chrisdds98
Wed Jun 17, 2020 11:53 am
Forum: Personal Investments
Topic: USAA to Charles Schwab - not happy
Replies: 43
Views: 3615

Re: USAA to Charles Schwab - not happy

I don't think it would make much of a difference to your total return.
by chrisdds98
Thu May 21, 2020 6:18 pm
Forum: Personal Consumer Issues
Topic: Email for young teen with ability to auto delete nasty spam
Replies: 32
Views: 2412

Re: Email for young teen with ability to auto delete nasty spam

are they all coming from the same domain? you can filter "*@domain.com"
by chrisdds98
Mon May 18, 2020 2:22 pm
Forum: Investing - Theory, News & General
Topic: Social Security is an asset....yet again
Replies: 129
Views: 5914

Re: Social Security is an asset....yet again

This makes sense to me... https://www.kitces.com/blog/valuing-social-security-benefits-as-an-asset-on-the-household-balance-sheet/ EXECUTIVE SUMMARY As a guaranteed income stream that cannot otherwise be liquidated or reinvested, most retirees don’t think of their Social Security benefits as an asse...
by chrisdds98
Wed May 06, 2020 4:37 pm
Forum: Personal Investments
Topic: VFIAX AND VTSAX ?
Replies: 16
Views: 1019

Re: VFIAX AND VTSAX ?

nope, thats not a big deal. A lot of people use them as tax loss harvesting partners in taxable accounts.
by chrisdds98
Tue Mar 24, 2020 10:49 pm
Forum: Personal Investments
Topic: Please help me follow my IPS by telling me what my IPS says
Replies: 6
Views: 485

Re: Please help me follow my IPS by telling me what my IPS says

if you want to follow that strategy you would set your asset allocation based on the balance.
by chrisdds98
Wed Mar 18, 2020 11:03 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6807
Views: 655806

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Is there much risk of UPRO shutting down? I know it can only go down 60%/day due to circuit breakers so it should never get to zero. but would the company shut it down at a particular price level?
by chrisdds98
Fri Mar 06, 2020 11:39 pm
Forum: Personal Investments
Topic: Young Investor Roth Or Rental Properties
Replies: 23
Views: 1312

Re: Young Investor Roth Or Rental Properties

AerialWombat wrote: Fri Mar 06, 2020 10:20 am Do you have time for another job? If so, nothing builds wealth like real estate.

But, it’s a job. Don’t forget that.
isn't the main reason you build wealth the leverage? Why not buy leveraged ETFs instead? Much less work and the same potentially explosive growth in wealth.
by chrisdds98
Fri Mar 06, 2020 11:34 pm
Forum: Investing - Theory, News & General
Topic: Rethinking Small-Mid Tilt
Replies: 18
Views: 1178

Re: Rethinking Small-Mid Tilt

I understand the market will go down, I am juat wondering if the small cap tilt is the right strategy given how badly rhey've performed vs large cap the last year. I didnt really research the logic behind the strategy, just knew it was riskier but potnetially higher returns. And I get that 1 year i...
by chrisdds98
Fri Mar 06, 2020 11:26 pm
Forum: Personal Investments
Topic: I got lucky, now what?
Replies: 46
Views: 4459

Re: I got lucky, now what?

I’m feeling incredibly lucky and would welcome your ideas. On Feb. 18 I closed out a 401k of around $750k from a previous employer. While the check was working its way to me in the mail, the markets began their fall and I’ve missed the entire drop so far. As the saying goes, “I would rather be luck...
by chrisdds98
Fri Mar 06, 2020 3:52 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6807
Views: 655806

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

this strategy is a bit frustrating in a taxable account! My plan has been to avoid STCG so I can only rebalance with new funds for the next several months That's probably why many people think it shouldn't be done in a taxable account. yeah I know. I do it my roth as well but that is pretty tiny co...
by chrisdds98
Fri Mar 06, 2020 3:14 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6807
Views: 655806

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

this strategy is a bit frustrating in a taxable account! My plan has been to avoid STCG so I can only rebalance with new funds for the next several months
by chrisdds98
Wed Feb 26, 2020 6:45 pm
Forum: Personal Consumer Issues
Topic: Inexpensive men's razors?
Replies: 37
Views: 2768

Re: Inexpensive men's razors?

Also, I tried a double blade razor years ago and I couldn't really get a good shave that way. Interesting. Which razor/blades did you use (I assume you meant "double-edged")? I had the opposite experience as you - I started using a DE safety razor a few years ago and I felt like it gave m...
by chrisdds98
Tue Jan 07, 2020 5:55 pm
Forum: Personal Investments
Topic: What find to choose?
Replies: 2
Views: 208

Re: What find to choose?

If you are in a high tax bracket then this would be a good one for you https://investor.vanguard.com/mutual-fu ... file/VTMFX
by chrisdds98
Tue Dec 10, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Recommend Laptop
Replies: 79
Views: 5928

Re: Recommend Laptop

what type of software would you want to run? chromebooks are nice and I can do most everything on apps these days.
by chrisdds98
Thu Nov 14, 2019 9:03 pm
Forum: Personal Consumer Issues
Topic: Gaming Desktop
Replies: 46
Views: 3723

Re: Gaming Desktop

check out the recommended specs for games you like and that is your baseline

https://us.shop.battle.net/en-us/produc ... ii?p=38789
by chrisdds98
Tue Nov 12, 2019 1:20 pm
Forum: US Chapters
Topic: Master Thread for Austin Texas area Bogleheads
Replies: 83
Views: 39609

Re: Master Thread for Austin Texas area Bogleheads

Our next quarterly meeting will be in about 5 weeks on Saturday, December 14th from noon to 2pm. North Village Branch Library, 2505 Steck Ave., Austin 78757. Please join us then. Everyone have a great Thanksgiving!
by chrisdds98
Tue Nov 12, 2019 12:44 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6807
Views: 655806

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Because there is still a slight chance that the whole thing will fail. Who knows, maybe we'll have 10-20 years of sideways stock markets with higher volatility than expected? This might put the SSO down to a level where it would take ages to recover. The future will be different than the past. We c...
by chrisdds98
Wed Nov 06, 2019 2:58 pm
Forum: Personal Investments
Topic: VTSAX vs Target Retirement Date vs Lazy 3 Fund...
Replies: 14
Views: 2791

Re: VTSAX vs Target Retirement Date vs Lazy 3 Fund...

That seems like a fine strategy. I would prefer VTWAX for more diversification. you don't need bonds right now but they aren't a bad idea. anything from 100%-75% stocks would be reasonable.
by chrisdds98
Tue Oct 29, 2019 9:24 pm
Forum: Personal Consumer Issues
Topic: I want a pre-made, wholesome lunch delivered to me daily for under $15. Options?
Replies: 52
Views: 5256

Re: I want a pre-made, wholesome lunch delivered to me daily for under $15. Options?

I use factor 75 for their keto meals. Its pretty solid and I pay $77/6 meals ($12.83/meal)
by chrisdds98
Fri Oct 04, 2019 3:24 pm
Forum: Personal Investments
Topic: HEDGEFUNDIE's portfolio: How to create it?
Replies: 39
Views: 3155

Re: HEDGEFUNDIE's portfolio: How to create it?

seek1227 wrote: Fri Oct 04, 2019 10:36 am I understand the recommendation is to use ETF's but how to replicate this using mutual funds only?

Thanks.
I don't know that there are equivalent leveraged mutual funds
by chrisdds98
Fri Oct 04, 2019 3:22 pm
Forum: Personal Investments
Topic: HEDGEFUNDIE's portfolio: How to create it?
Replies: 39
Views: 3155

Re: HEDGEFUNDIE's portfolio: How to create it?

So I have VTSAX (Total Stock Index Fund) in Vanguard taxable and Roth IRA. What's the recommended way to move these two accounts to M1 Finance? Appreciate any guidance. Thanks open an m1 account. request a transfer. you will need to send statments for your roth and taxable account. they will transf...
by chrisdds98
Tue Oct 01, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Luxury condo
Replies: 56
Views: 5303

Re: Luxury condo

If I really wanted to live there I would rent unless I were absurdly wealthy. I have no idea how landlords make money on condos like this that don't even come close to the 1% rule.
by chrisdds98
Sat Sep 07, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Actually considering Roth 401k
Replies: 22
Views: 2112

Re: Actually considering Roth 401k

This is what I do now. also, don't forget that 19k in a roth 401k is more money then $19k in a trad 401k so going roth will increase tax advantaged space.
by chrisdds98
Mon Jul 29, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: letting go of the Roth space (12k)
Replies: 9
Views: 1837

Re: letting go of the Roth space (12k)

I don't think most people save 50k/yr. probably most bogleheads don't even save that much so you'll probably be fine unless you got a really late start (due to long training times, medical emergencies, etc)
by chrisdds98
Mon Jul 29, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: letting go of the Roth space (12k)
Replies: 9
Views: 1837

Re: letting go of the Roth space (12k)

Just consider that, with the extra $13k deferral, you actually get back $3900 approximately, savings on your marginal tax bracket. Since you mentioned you were doing backdoor Roth IRA earlier, you must be in 24% tax bracket, and by your user name I assume you are in North Carolina where the state t...
by chrisdds98
Fri Jul 19, 2019 10:25 am
Forum: Personal Investments
Topic: Starting Roth IRA
Replies: 20
Views: 1028

Re: Starting Roth IRA

remaing in buying and selling growth stocks. I enjoy researching stocks and dont mind actively managing the account. But i also realize im not a proffesional and most investers cant beat the market, hence the large portion in target date stock and safer dividend stocks that will take advatage of co...