Search found 6650 matches

by whodidntante
Sun Nov 17, 2019 7:18 pm
Forum: Investing - Theory, News & General
Topic: Help me understand iShares FLOT
Replies: 18
Views: 1193

Re: Help me understand iShares FLOT

The higher yield is a straight-up reward for risk. If you accept that risk then the fund is for you. We haven't seen how this fund will do in a serious downturn, but corporates tend not to hold up as well as Treasuries.
by whodidntante
Sun Nov 17, 2019 6:55 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value Investors: Time to Back Up the Truck?
Replies: 94
Views: 7971

Re: Small Cap Value Investors: Time to Back Up the Truck?

I would back up the truck on EM value first. And then developed value. If you still have room in your truck, back it up for US SCV. Maybe your load will be worth something someday.
by whodidntante
Sun Nov 17, 2019 3:43 pm
Forum: Personal Investments
Topic: Not retired at 71 [need SEP advice]
Replies: 21
Views: 1947

Re: Not retired at 71

You don't need to pay for advice if you interested enough to do some basic research. Even if you're not interested enough to do that, you can buy a low-cost target date fund or a low-cost asset allocation fund. These are professionally managed portfolios that are less expensive than an advisor. You ...
by whodidntante
Sun Nov 17, 2019 3:29 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 127
Views: 19616

Re: 100% in bond to wait for market crash?

mikeyzito22 wrote:
Sun Nov 17, 2019 3:22 pm
Total BND up 11.61% I year data.
Cool.

Please post next year's returns for the same. Now if possible. :happy
by whodidntante
Sun Nov 17, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Credit Card Points from Mortgage?
Replies: 3
Views: 676

Re: Getting Credit Card Points from Mortgage?

Visa does not allow mortgage payments other than by cash advance. However, you can do manufactured spending and use the cash generated to pay your mortgage. If this interests you, go read the flyer talk manufactured spending forum. You might want to pop a bowl of popcorn first. I've been able to use...
by whodidntante
Sun Nov 17, 2019 2:56 pm
Forum: Investing - Theory, News & General
Topic: Preparing for a down market
Replies: 78
Views: 6777

Re: Preparing for a down market

MathIsMyWayr wrote:
Sun Nov 17, 2019 11:09 am
livesoft,

I have to admit that I learned it from you. :wink:
You could pay for a picture with him. :happy
by whodidntante
Sun Nov 17, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Why does Chase bonus require in-person sign up?
Replies: 11
Views: 1335

Re: Why does Chase bonus require in-person sign up?

I've been able to earn some large Chase bonuses without going to my local soul-sucking Chase branch. I'm assuming you are using mailers. The mailers I have gotten have never been better than the public offers, or I was otherwise ineligible because I was in the anti-churn period. If it's truly better...
by whodidntante
Sun Nov 17, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Juice Jacking - phone data theft
Replies: 21
Views: 2269

Re: Juice Jacking - phone data theft

What phone/tablet/abacus are y'all running that has this issue? This is not a concern for my devices because they will not expose any private data until I say so.
by whodidntante
Sun Nov 17, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: AWD Camry
Replies: 52
Views: 6058

Re: AWD Camry

Cool. I'll try to remember that my car can still stop in much shorter distances than the AWD Camry on either snow-covered or completely dry pavement.
by whodidntante
Fri Nov 15, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity ([Elan]) card eBill
Replies: 30
Views: 2258

Re: Fidelity (Elon) card eBill

Not all credit card issuers offer ebills. I set up auto payment with the issuer (direct debit). I’ve only ever done it directly. What is advantage of using the billing system? Never paid anything that way in fact. Some people are distrustful of direct debit. I am not one of them. So for me there is...
by whodidntante
Fri Nov 15, 2019 1:14 pm
Forum: Personal Investments
Topic: Portfolio Review - BAM Portfolio
Replies: 98
Views: 7749

Re: Portfolio Review - BAM Portfolio

Whether you stay with your advisor or not, you definitely shouldn’t have an SCV tilt if 3-5 year underperformance causes you to rethink your strategy. It simply isn’t for you at that point. In this scenario I wonder what will happen if a float weighted portfolio (or whatever OP buys next) underperf...
by whodidntante
Thu Nov 14, 2019 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: How Worried Should I Be/Is there anything I can do right now? (job offer/background check)
Replies: 33
Views: 3068

Re: How Worried Should I Be/Is there anything I can do right now? (job offer/background check)

It depends on who is making the call. I wouldn't let that stop me from hiring an employee who I otherwise think is a good fit. Some will.
by whodidntante
Thu Nov 14, 2019 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity ([Elan]) card eBill
Replies: 30
Views: 2258

Re: Fidelity (Elon) card eBill

Not all credit card issuers offer ebills. I set up auto payment with the issuer (direct debit).
by whodidntante
Thu Nov 14, 2019 6:39 pm
Forum: Investing - Theory, News & General
Topic: SP500 is very top heavy right now
Replies: 134
Views: 11932

Re: SP500 is very top heavy right now

aristotelian wrote:
Thu Nov 14, 2019 12:19 pm
That looks bad until you realize it starts at 10% instead of 0. Still worth noting. Apple's growth this year has been insane. At the same time, Small Caps had a terrible year. Are small caps undervalued or megacaps overvalued?
Maybe they are both overvalued. What is the correct value? :happy
by whodidntante
Thu Nov 14, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: pay1040 slow to post on credit card ?
Replies: 5
Views: 380

Re: pay1040 slow to post on credit card ?

I have paid many thousands via that processor, but I don't recall that the time from transaction to post date is longer than any other vendor. I have noticed that most credit card transactions post on the third day, but I have seen longer in rare cases. I think the longest was around 10 days. It's b...
by whodidntante
Wed Nov 13, 2019 3:48 pm
Forum: Personal Investments
Topic: alternative investments
Replies: 32
Views: 1803

Re: alternative investments

I have not noticed a correlation between my poker results and the stock market.
by whodidntante
Wed Nov 13, 2019 3:46 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 367
Views: 22762

Re: Holding bonds vs 100% equities

I wonder if the pro 100% stocks crowd would change their views if we have another great depression, with a 80% or more crash in the stock market, or a Japan like stock market that declines for many years. None of these outcomes seem likely due to the past 10 years of US stock performance. Personall...
by whodidntante
Sun Nov 10, 2019 4:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 2151
Views: 225695

Re: U.S. stocks continue to soar!

J G Bankerton wrote:
Sun Nov 10, 2019 3:43 pm
Balanced portfolios are the prudent thing to do. All in VTI all the time is not prudent but more risk more reward. :greedy
oldzey wrote:
Sun Nov 10, 2019 2:17 pm
VTSAX
VTI has a lower rake.
Your poker reference has granted your character +1 charisma. :happy
by whodidntante
Sun Nov 10, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: "Beer Money" Methods
Replies: 54
Views: 7107

Re: "Beer Money" Methods

I've seen a lot of good ones posted. Here's my contribution. I'm getting more and more selective but if someone wants to hand me a 10 dollar bill in exchange for trivial effort or $500 to demonstrate reading comprehension, I'm going to take it. - bank account funding with a rewards card - use reward...
by whodidntante
Sun Nov 10, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: "Beer Money" Methods
Replies: 54
Views: 7107

Re: "Beer Money" Methods

jb1 wrote:
Thu Nov 07, 2019 7:10 am
The things some of you do for money is ridiculous lol.
Tell me about it. Sometimes I join 7 am meetings or commute in bad weather.
by whodidntante
Sun Nov 10, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Fruit Fly Problem
Replies: 24
Views: 2548

Re: Fruit Fly Problem

I somehow brought some into the house once. Horrible creatures but they didn't take root. Try to eliminate food sources. It could be time to clean the drains, clean the disposal, clean garbage cans, and to clean the pantry. If they appear to be young adults, ask them to pay rent.
by whodidntante
Sun Nov 10, 2019 9:07 am
Forum: Personal Investments
Topic: Move 401k to brokerage account?
Replies: 13
Views: 817

Re: Move 401k to brokerage account?

You can sell funds in a 401k without incurring a tax liability. If building a market cap portfolio, there will be several options for funds to use and ETFs should now be commission-free due to the great interactive brokening of 2019. The brokerage window may have a cost but you should have to pay a ...
by whodidntante
Sun Nov 10, 2019 4:55 am
Forum: Personal Finance (Not Investing)
Topic: Retire or work again?
Replies: 23
Views: 2932

Re: Retire or work again?

I do not have to practice and I can definitely live without it. I just do not want to feel like I am being lazy and retiring early. My family is fine with whatever I want and it is hard to get unbiased opinion from friends or colleagues. Thanks :) You can do stuff after you stop working. What will ...
by whodidntante
Sun Nov 10, 2019 4:16 am
Forum: Investing - Theory, News & General
Topic: Why no one created a etf of dividend free stocks
Replies: 35
Views: 3558

Re: Why no one created a etf of dividend free stocks

Hi, How did you find market weight sorted non dividend paying companies list. thank you The link. If creating your own.. That would be easy. Just look up the market cap of each of the 83-84 companies. Add them all together. Divide each single company’s market cap into the total market cap for all 8...
by whodidntante
Sat Nov 09, 2019 10:28 pm
Forum: Investing - Theory, News & General
Topic: If you were forced to pick an alternative asset...
Replies: 107
Views: 7017

Re: If you were forced to pick an alternative asset...

Hey. Leave some beanie babies for the rest of us.
by whodidntante
Sat Nov 09, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: Fully loaded 2016 Lexus RX350 for $34K - good deal?
Replies: 11
Views: 1398

Re: Fully loaded 2016 Lexus RX350 for $34K - good deal?

crossbow wrote:
Sat Nov 09, 2019 4:42 pm
The salesperson says it's a killer deal.
And Edward Jones strip mall advisors say that American Funds are the best. Not exactly impartial advice, eh?
by whodidntante
Sat Nov 09, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: shocking hospital fee estimate
Replies: 45
Views: 4086

Re: shocking hospital fee estimate

Triple check that EVERYTHING is going to be in your network. The other risk is that your anesthesiologist calls in sick the morning of the surgery and another anesthesiologist stands in. EXCEPT this doctor is not in your network, now you get to pay the $3k that you thought would be $2k PLUS an out ...
by whodidntante
Sat Nov 09, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do I Understand Safe Harbor rules correctly?
Replies: 27
Views: 2566

Re: Do I Understand Safe Harbor rules correctly?

As long as we pay 110% of the total tax that we owed last year, is this sufficient to avoid any issue with underpayment penalties? Unfortunately, NO. For high earners you must have 110% of the total tax bill you owed last year withheld from you pay checks. So estimated tax payments do not count. Th...
by whodidntante
Sat Nov 09, 2019 1:58 am
Forum: Personal Consumer Issues
Topic: Should I Travel ot Ecuador?
Replies: 49
Views: 3793

Re: Should I Travel ot Ecuador?

If you don't go, can I have your ticket? If yes, it's very dangerous and you should not go. :happy
by whodidntante
Sat Nov 09, 2019 1:41 am
Forum: Personal Consumer Issues
Topic: Best secure email to use instead of gmail?
Replies: 70
Views: 10069

Re: Best secure email to use instead of gmail?

t3xn wrote:
Mon Nov 04, 2019 12:31 am
You can buy your own domain for around $10 a year and host with a provider like namecheap.com. I've been hosting my own for 20 years back when hotmail/aol/yahoo were the only email hosts. My most recent renewal was $106 for 3 years.
$106 divided by three is not $10. :happy
by whodidntante
Sat Nov 09, 2019 1:33 am
Forum: Personal Finance (Not Investing)
Topic: shocking hospital fee estimate
Replies: 45
Views: 4086

Re: shocking hospital fee estimate

This is our healthcare system. Its also why many of the well-off Bogleheads, "coincidentally" are physicians. I've always thought tech was a better honeypot than medicine. You can get started younger, and with less debt and less overhead. Plus no one dies or sues you. Plus the hours are better and ...
by whodidntante
Sat Nov 09, 2019 1:04 am
Forum: Personal Consumer Issues
Topic: CPO BMW 5 Series
Replies: 21
Views: 2050

Re: CPO BMW 5 Series

Except for my current car that I bought new, I have always bought something older than CPO. Sometimes much older. That's because I consider CPO cars overpriced and I don't trust a dealer to scrutinize a car since they are incentivized to rubber-stamp the inspection. But if you think it's a good valu...
by whodidntante
Sat Nov 09, 2019 12:27 am
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 62
Views: 5355

Re: How bad business travel is?

I dread traveling for business. At this point, the two trips I take a year are more than enough. Late nights, quick turnarounds, breaking my routine, etc. Not for me! I rarely, if ever have downtime during travel - early breakfast, late dinners, all-day meetings, and those make it harder to like th...
by whodidntante
Fri Nov 08, 2019 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7907

Re: Do you charge your employer for the time that you spend working on your off days?

I think perhaps it's time to request comp time since I am not paid any extra for responding to these calls and texts. Would it be out of line to approach my boss with this idea? It depends on the culture. You can maybe get away with long lunches, getting your car worked on, doctor's appointments, d...
by whodidntante
Fri Nov 08, 2019 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Mother gave out social security number to fraudulent caller
Replies: 17
Views: 2560

Re: Mother gave out social security number to fraudulent caller

sd323232 wrote:
Fri Nov 08, 2019 8:23 pm
You can buy identity theft insurance. With all the breaches happening, probably all our ss numbers are out there.
It's comforting to know that if I ever forget my social security number, I can just look it up online. :happy
by whodidntante
Fri Nov 08, 2019 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mother gave out social security number to fraudulent caller
Replies: 17
Views: 2560

Re: Mother gave out social security number to fraudulent caller

Other than checking her credit reports and freezing her credit what else should I be doing? If you're doing that, you should be getting power of attorney. Otherwise, you have no authority to do those things. Seriously? Verbal agreement does not count? If you help her do it that's fine. She might co...
by whodidntante
Fri Nov 08, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6783

Re: Was I ripped off at the car dealership?

Sounds like you got got.
by whodidntante
Fri Nov 08, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mother gave out social security number to fraudulent caller
Replies: 17
Views: 2560

Re: Mother gave out social security number to fraudulent caller

Theseus wrote:
Fri Nov 08, 2019 8:12 pm
Other than checking her credit reports and freezing her credit what else should I be doing?
If you're doing that, you should be getting power of attorney. Otherwise, you have no authority to do those things.
by whodidntante
Fri Nov 08, 2019 8:18 pm
Forum: Personal Investments
Topic: Talk Me Off the Active Investing Ledge!
Replies: 58
Views: 3832

Re: Talk Me Off the Active Investing Ledge!

It's really easy to beat the market. Just take more risk, and get lucky.
by whodidntante
Fri Nov 08, 2019 8:17 pm
Forum: Personal Investments
Topic: Talk Me Off the Active Investing Ledge!
Replies: 58
Views: 3832

Re: Ticker Symbol?

mbenoit116: What is the ticker symbol of this wonderful fund and it's cost? I cannot find a "BCG fund" on Morningstar? Thank you. Taylor Jack Bogle's Words of Wisdom: "There remains no evidence--none--that superior past performance is predictive of future success." It's not a mutual fund. The OP wr...
by whodidntante
Fri Nov 08, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Transfer
Replies: 9
Views: 840

Re: Credit Card Transfer

Mastied wrote:
Fri Nov 08, 2019 7:55 pm
She probably makes around 35k a year, lives in Houston . . .
I think she's got an income problem. I guess you can live in Houston and have a car for less, but it's not going to be a whole lot of fun. If I woke up in that situation, I would plan to make a strategy to earn more money.
by whodidntante
Fri Nov 08, 2019 7:54 pm
Forum: Personal Investments
Topic: Boglehead investing through a major downturn
Replies: 58
Views: 6855

Re: Boglehead investing through a major downturn

theplayer11 wrote:
Sun May 05, 2019 3:01 pm
I have lived long enough to realize that when there is blood in the streets...buy as much as you can
Where did the money to buy as much as you can come from? I just stay fully invested.
by whodidntante
Fri Nov 08, 2019 7:23 pm
Forum: Investing - Theory, News & General
Topic: Saving for a new vehicle
Replies: 36
Views: 3287

Re: Saving for a new vehicle

I don't have a separate car fund account. I just throw all my extra money into a Vanguard Total Stock Market Index. When it comes time to buy a near car (hopefully in 5 years) I'll see what's in the account and buy what I can afford. I don't want to have $30k of case sitting around earning 1% just ...
by whodidntante
Fri Nov 08, 2019 5:58 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 341
Views: 37472

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

The Merrill thing is really bizarre.... as they let me buy UPRO but not this. Merrill block active traded ETFs. It defines NTSX as active, same as Avantis ETFs and many others. That is not accurate. Merrill has a board that decides which securities to block, and what exactly they base it on is not ...
by whodidntante
Fri Nov 08, 2019 4:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 2151
Views: 225695

Re: U.S. stocks continue to soar!

Stinky wrote:
Fri Nov 08, 2019 4:04 pm
Melt-up at the close today.
Was it at least American cheese?
by whodidntante
Fri Nov 08, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 62
Views: 5355

Re: How bad business travel is?

I dread traveling for business. At this point, the two trips I take a year are more than enough. Late nights, quick turnarounds, breaking my routine, etc. Not for me! I rarely, if ever have downtime during travel - early breakfast, late dinners, all-day meetings, and those make it harder to like th...
by whodidntante
Fri Nov 08, 2019 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Free Turbotax 2019
Replies: 20
Views: 3570

Re: Fidelity Free Turbotax 2019

I'm thinking about how desperate somebody with $5M+ assets with Fidelity would be to save 20 or 50 dollars on tax software, that Fidelity would use that as an advertising perk. Financially, it's down in the noise, yes, but don't discount the value of the ego boost of getting for free something that...
by whodidntante
Thu Nov 07, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Transfer
Replies: 9
Views: 840

Re: Credit Card Transfer

Is it a problem managing credit or a problem with insufficient income? The solution should depend on the answer to that question. I'm going to guess insufficient income since 8k represents a problem.
by whodidntante
Thu Nov 07, 2019 10:58 pm
Forum: Investing - Theory, News & General
Topic: The hidden cost of Fidelity’s ZERO funds
Replies: 66
Views: 5900

Re: The hidden cost of Fidelity’s ZERO funds

alex_686 wrote:
Thu Nov 07, 2019 9:19 pm
whodidntante wrote:
Thu Nov 07, 2019 9:15 pm
This is a long thread considering the premise is wrong.
Are you not entertained? Are you not informed? :happy
I am entertained. :happy
by whodidntante
Thu Nov 07, 2019 9:15 pm
Forum: Investing - Theory, News & General
Topic: The hidden cost of Fidelity’s ZERO funds
Replies: 66
Views: 5900

Re: The hidden cost of Fidelity’s ZERO funds

This is a long thread considering the premise is wrong.