Search found 1280 matches

by onourway
Mon Jun 18, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 63
Views: 15065

Re: New Capitol One 360 ACH limits

Agreed that they are becoming less and less competitive. I wouldn't keep my account at all except that my wife also has her account there and is extremely reluctant to make any changes to any of her financial accounts, and their interface is how we tend to pass money back and forth to one another. W...
by onourway
Mon Jun 18, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Best stroller+infant seat for gravel roads?
Replies: 18
Views: 1259

Re: Best stroller+infant seat for gravel roads?

'Best?' If that's really the criteria then the Thule Chariot lineup is hands-down the best active stroller on the market. Thule seems to be marketing these now first as bike trailers, but they were originally, under the Chariot name, sold as running strollers first, and adaptable via separate kits t...
by onourway
Fri Jun 15, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 13375

Re: MD&P just purchased X / sold Y [md&pharmacist]

TY!!!!!!!!!!!!!! I think you're right, nor can I convince people who are so entrenched that picking top funds and re-balancing to stay in top sectors is not that difficult with the power of the internet. I found that a logical plan for corrections, recessions and bear markets can take away one's fe...
by onourway
Fri Jun 15, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2995
Views: 587498

Re: What's Your Credit Card Rewards Strategy?

Your Walgreens doesn't have gift cards? Some 7-11 stores also code as gas stations, so you can grab gift cards from there, that's what I did during last year's gas station quarter. I don't churn to the point of buying gift cards unless I have a specific, targeted purchase in mind. Just one level mo...
by onourway
Fri Jun 15, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 14719

Re: Oh my! Cardone says we need $10m net worth

What exactly about his advice is wrong? Indeed, this article could be described as fairly bogleheadish even though he advocates a much less traditional investment strategy. He doesn't say anyone NEEDS $10 million, he says thereabouts is the threshold that most people can live a life of financial in...
by onourway
Fri Jun 15, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 48
Views: 5647

Re: Apple MacBook Air On Sale $699

Hence the "" around feature. Like a joke, a bit of truth and a lot of salesmanship. In any case, I doubt corporate policy would change based on the screen and thus if the company required that employees use privacy screens in public places, they'd probably force it on those those low quality screen...
by onourway
Fri Jun 15, 2018 2:48 pm
Forum: Investing - Theory, News & General
Topic: Am I "market timing"?
Replies: 37
Views: 2229

Re: Am I "market timing"?

As of 3:47 PM EST VTI is down 0.15%. That's essentially flat, and not at all what I'd call a sale. I wouldn't bother. The market could be higher or lower when you make your contribution. Over the long run making it automatically on a fixed date will get you some winners and some losers and probably ...
by onourway
Fri Jun 15, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 48
Views: 5647

Re: Apple MacBook Air On Sale $699

For work computers, this is actually a security/privacy "feature", or else you have to add the privacy screen to put over the screen. I suppose a good sales person could try to sell it as a feature, but this is clearly just a sub-par screen. Worst of all hers is bad in the vertical orientation so y...
by onourway
Fri Jun 15, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: Flaw in Logic? CD ladder instead of bond funds
Replies: 63
Views: 5515

Re: Flaw in Logic? CD ladder instead of bond funds

Onourway, could you recommend a way to compare past return rates of a (for instance) BND to a CD ladder? I know past returns aren't an indicator of future returns but I'd like to compare them anyway for an additional data point. I don't know of a way to compare historical returns other than picking...
by onourway
Fri Jun 15, 2018 2:11 pm
Forum: Investing - Theory, News & General
Topic: Flaw in Logic? CD ladder instead of bond funds
Replies: 63
Views: 5515

Re: Flaw in Logic? CD ladder instead of bond funds

The main flaws are that CD's make it difficult to re-balance your portfolio, maintaining a CD ladder requires constant attention if you want to remain in cd's with competitive rates, and over the long run, CD's should generally return less that a good bond fund of moderate duration. In my opinion ei...
by onourway
Fri Jun 15, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 48
Views: 5647

Re: Apple MacBook Air On Sale $699

Apple computers are no longer well made. Look at all the keyboard issues and only USB-C. Several major security flaws recently too. I'm afraid they have an accountant running things now rather than an innovator and it shows. There's nothing special about MacOS or the hardware anymore. They're almos...
by onourway
Fri Jun 15, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 48
Views: 5647

Re: Apple MacBook Air On Sale $699

No one's saying that everyone needs a 3200x1800 touchscreen like is on my 13" work laptop. Or even a non-touch 2560x1600 like in the current MacBook Pro. But there's no excuse for a 1440x900 screen in this day and age, especially when it's an ancient panel design that has poor visual quality and te...
by onourway
Fri Jun 15, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 48
Views: 5647

Re: Apple MacBook Air On Sale $699

... 4 year old technology with no price drop is for suckers, but many Apple customers are clueless and just want to be hip. Apple used to update practically everything annually. Now it's the same old crap for the same price and quality control has gone downhill on their newer stuff. Obviously, I'm ...
by onourway
Fri Jun 15, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 48
Views: 5647

Re: Apple MacBook Air On Sale $699

Embarrassing that Apple still even sells that model as a current model and even more embarrassing that people still buy it. Same with their Mac Mini/Pro. While the problems with the Mac Pro lineup are real, the Macbook Air is simply how Apple does business. They don't sell many 'low-end' products -...
by onourway
Fri Jun 15, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2995
Views: 587498

Re: What's Your Credit Card Rewards Strategy?

Chase Freedom 5% categories for Q3 can be activated starting today. It is Gas, Lyft, and Walgreens. Unfortunately these are of no use for me. I already get 5% on gas from my Amex Blue Cash, and even better, right now I'm getting 10% back at Exxon/Mobil stations through another Amex promotion (throug...
by onourway
Fri Jun 15, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 48
Views: 5647

Re: Apple MacBook Air On Sale $699

Not showing that price for me anymore.

At $699 this was a good deal though so I hope you enjoy it. The Air is not cutting edge in any way but it is a reliable workhorse of a machine. My wife is still using her 2011 model - the only laptop she's ever owned more than 2-3 years without a major issue.
by onourway
Thu Jun 14, 2018 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 13375

Re: MD&P just purchased X / sold Y [md&pharmacist]

I agree that this would be a very interesting thread if you are willing to follow through with the kind of detail it takes to make it verifiable. The only way for that to happen is to get some ground-rules and stop with the complaints about the thread and bashing the OP. Let's have some actual disc...
by onourway
Thu Jun 14, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 13375

Re: MD&P just purchased X / sold Y [md&pharmacist]

I agree that this would be a very interesting thread if you are willing to follow through with the kind of detail it takes to make it verifiable. It'd be a great learning experience for you and the entire board - no matter what the outcome.
by onourway
Thu Jun 14, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 13375

Re: MD&P just purchased X / sold Y [md&pharmacist]

There is nothing to 'get'. You keep making outrageous claims yet are unwilling to provide the data to back up those claims. It's clear that you probably don't even know how to calculate your actual returns to this point. If you want to learn something - together - there are plenty of exceptionally g...
by onourway
Thu Jun 14, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 13375

Re: MD&P just purchased X / sold Y [md&pharmacist]

Everything posted in this thread is meaningless until you divulge your exact cash position. You've been called out on this before, and you keep ignoring the issue in this thread. IMO this thread should be closed unless the entire data set required to calculate your actual returns is posted in full.
by onourway
Fri Jun 08, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 11188

Re: Why do we work?

I concur. I work in order to have enough to have a nice enough home for our family in a nice part of town that is safe and convenient and quiet. I want to have enough that we can take care of the house without resorting to borrowing, or stressing about money, enough to have new enough vehicles to ke...
by onourway
Fri Jun 08, 2018 1:23 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 11431

Re: VMMXX (Vanguard Prime MM) risks

I keep most of my short-term savings in VMMXX. I don't have to chase rates and it's safe enough. It's not so much money that we would be overly harmed if things got locked up temporarily (which is an extremely unlikely event). Even for the rare fund that has broken the buck, investors eventually got...
by onourway
Fri Jun 08, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: How do you set up automatic investment in to VG ETFs?
Replies: 7
Views: 747

Re: How do you set up automatic investment in to VG ETFs?

You don't need to open another account to own mutual funds - you can own both side-by-side at Vanguard. So keep your existing ETF's. Make automatic purchases of the mutual fund. I primarily own mutual funds at Vanguard (because their tax-efficiency is the same as the ETF) and invest monthly automati...
by onourway
Fri Jun 08, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3868

Re: Found an FSBO home for sale. How to avoid Realtor?

That's probably true but I thought we were talking about the buyer coming up with a price for the FSBO. I've looked at a lot of Zillow listings and there are just too many errors. Here's an example - Zillow thinks the house I live in sold for $40K in 2004. The problem is I built the house in the 19...
by onourway
Fri Jun 08, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3868

Re: Found an FSBO home for sale. How to avoid Realtor?

I take it you haven't done many appraisals if you think Zillow is a good source of data other than for sale price. Which is exactly what you'd use it for in this case... Pricing a home is not that difficult a proposition if you've lived in the home a bit and paid even a bit of attention to the loca...
by onourway
Thu Jun 07, 2018 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick my vanguard investment
Replies: 39
Views: 2016

Re: Help me pick my vanguard investment

But even if you were eyeing replicating total stock market, couldn't you weigh more towards small and mid in that model? I mean it still is total stock market coverage your just buying a little more small and mid stocks to up the risk? What does 'risk' mean to you? It sounds to me like you only see...
by onourway
Thu Jun 07, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick my vanguard investment
Replies: 39
Views: 2016

Re: Help me pick my vanguard investment

Nobody can answer whether it is 'worth the risk.' That's a decision you have to make for yourself. I'm sure you would think it was worth it if the market-tilt you chose ended up being the right one and you made extra money. How would you feel if it was the wrong one and you perpetually under-perform...
by onourway
Thu Jun 07, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Help me pick my vanguard investment
Replies: 39
Views: 2016

Re: Help me pick my vanguard investment

I get that but I used almost 20 years of growth, during that time all 4 of these funds have had their ups and downs but since inception the small and mid cap index have done better than the 500 and international. I know using past performance to predict the future is almost a no no but doesn't 20 y...
by onourway
Thu Jun 07, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Penfed CD @ 3% - 5 year
Replies: 16
Views: 2416

Re: Penfed CD @ 3% - 5 year

PurePoint Financial is offering a 3 year CD at 3% as of today.

https://www.purepoint.com/online-bankin ... high-yield
by onourway
Thu Jun 07, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Stick to the Plan... or Kick the Can? (Time to Rebalance)
Replies: 24
Views: 1742

Re: Stick to the Plan... or Kick the Can? (Time to Rebalance)

The hardest part about sticking to a plan is that you have to continuously buy asset classes that are out of favor. Right now that is bonds. Go back and read threads from 2008-09 and you'll see the same attitude about stocks, and many of the forum stalwarts talking about 'Plan B' as an excuse to sel...
by onourway
Thu Jun 07, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3868

Re: Found an FSBO home for sale. How to avoid Realtor?

This is not true. Seller will increase the price of the house to cover those costs so the buyer is most definitely paying. Agent has a great deal of influence in setting the listing price. Further, studies have shown that realtors typically price client houses a bit under market because it increase...
by onourway
Wed Jun 06, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Can you invest in CDs thru Fidelity 403b? I don't think so.
Replies: 2
Views: 180

Re: Can you invest in CDs thru Fidelity 403b? I don't think so.

Bond prices should be expected to fluctuate over periods of time by modest amounts. This is completely normal and no reason to change one's chosen asset allocation. If a temporary 2% loss in fund value (I doubt you have actually lost anywhere near 2% on your initial investment) causes you anxiety, t...
by onourway
Wed Jun 06, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: in idea with SCV and leverage..
Replies: 23
Views: 2052

Re: in idea with SCV and leverage..

People mock this idea and then they go and pay their mortgage payment and car payment as they are investing in their 401k/Roth IRA/taxable accounts. From a balance sheet perspective it is the same thing. The main difference are the specific details of the loan (fixed rate, noncallable, etc). So alo...
by onourway
Wed Jun 06, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Bonds Question
Replies: 15
Views: 800

Re: Bonds Question

In that case it is likely as longinvest says - that $10.95 is simply the average price of all shares you have purchased. Which creates a misleading view of gains and losses. You could download the account data and find out exactly your basis for all purchased shares and likely see exactly what's hap...
by onourway
Wed Jun 06, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Another 2 fund group
Replies: 7
Views: 462

Re: Another 2 fund group

Using backtesting to tell you what would have been a superior strategy is useless for moving forward. It tells you literally nothing about what will happen in the future. You chose a specific asset allocation in the past. You should stick with that asset allocation unless you have a very very good r...
by onourway
Wed Jun 06, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Bonds Question
Replies: 15
Views: 800

Re: Bonds Question

OP here.... .Thanks for the replies..... To clarify/provide more info... in looking at the account for my Total Bond Fund: The quantity of shares is 3,483. The "cost per share": $10.95 Total Cost: $38,154. Market Value as of 6/4/2018: $36,267 Under Capital Gain/Loss-- Short Term -$47.59. Long-Term:...
by onourway
Wed Jun 06, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Expensive house in HCOL area
Replies: 70
Views: 7037

Re: Expensive house in HCOL area

No, not affordable on your incomes, especially with the higher earner's job being extremely uncertain. All the less so when you factor in the cost of 3-4 kids in a HCOL urban environment.
by onourway
Wed Jun 06, 2018 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Bonds Question
Replies: 15
Views: 800

Re: Bonds Question

I agree with longinvest. I doubt you have actually seen losses in your bond holdings unless you are looking at a purchase made just last year. If you think you actually have losses, please let us know the date invested, and the fund invested in so we can look under the hood.
by onourway
Wed Jun 06, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: Do bond funds lose value while CDs do not?
Replies: 31
Views: 3700

Re: Do bond funds lose value while CDs do not?

If one removes the effect of falling interest rates and compares similar maturity bond funds and CDs, does your point three still hold true? I am willing to believe it does in a falling interest rate environment and does not in a rising interest rate environment but taking the impact of interest ra...
by onourway
Wed Jun 06, 2018 5:35 am
Forum: Investing - Help with Personal Investments
Topic: Beginning investor - guidance requested
Replies: 21
Views: 2067

Re: Beginning investor - guidance requested

I agree with the point " buy assets when prices are depressed, not when they are over-heated" - with regard to bonds my concern is given that YTD or even 1 month yield seems negative, it appears upon investing in bonds in the current scenario, right off the bat, i am going to lose the principal. i ...
by onourway
Tue Jun 05, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Need motivation - how much did you lower expenses by downsizing ( if you did)
Replies: 11
Views: 1752

Re: Need motivation - how much did you lower expenses by downsizing ( if you did)

'Nearing retirement age' covers a pretty wide swath. Are you late '50's-early '60's in good health? If that's the case, and you like the house and would be happiest there, I would strongly consider staying. You could have another 20 years there yet. If you are older and/or have health issues, that c...
by onourway
Tue Jun 05, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: Do bond funds lose value while CDs do not?
Replies: 31
Views: 3700

Re: Do bond funds lose value while CDs do not?

Yes, I know but outside of Treasuries most people would not invest in a single bond. But I believe you have begun to answer the question of why bond funds may end up with a lower ending value than a similar CD. This makes one wonder why would anyone, given that fixed income is for safety, invest in...
by onourway
Tue Jun 05, 2018 7:17 am
Forum: Investing - Theory, News & General
Topic: Do bond funds lose value while CDs do not?
Replies: 31
Views: 3700

Re: Do bond funds lose value while CDs do not?

I keep hearing (well, I read it on a computer screen) that bonds are for safety. Remember that when you lose money in bond funds, you did so safely. Can you cite an example of a member of this board who has reported losing money in a bond fund that they have held for the appropriate time period rel...
by onourway
Tue Jun 05, 2018 5:41 am
Forum: Investing - Help with Personal Investments
Topic: Beginning investor - guidance requested
Replies: 21
Views: 2067

Re: Beginning investor - guidance requested

I would suggest you read The Bogleheads Guide to Investing cover to cover and make sure you understand most of what's in it before you make any more investment decisions (other than maxing out your 401k in the meantime). You have a number of basic misunderstandings about investments that the book wi...
by onourway
Mon Jun 04, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: Thinking of a divorce - from Vanguard
Replies: 45
Views: 7643

Re: Thinking of a divorce - from Vanguard

I'm not sure you'll find much respite in switching. I use all 3 platforms and they each have their good and bad points. #1) You lose whether you stay with Vanguard or you switch. You can't go back to the 'old' platform no matter what. Technology marches forward. It's not possible to continue to main...
by onourway
Sat Jun 02, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: Microsoft Edge versus Chrome
Replies: 27
Views: 1968

Re: Microsoft Edge versus Chrome

I use multiple browsers for different reasons as well. Edge is definitely the most power efficient and the smoothest for things like scrolling and pinch to zoom and panning. However it's not terribly stable (crashes with all my tabs about once every day or two) and plenty of sites are not fully comp...
by onourway
Sat Jun 02, 2018 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Why have a savings account at all?
Replies: 153
Views: 11927

Re: Why have a savings account at all?

I see the argument for not needing it, but in my case the software I track our finances with (YNAB) works better if I keep enough in cash reserves to cover most near term expenses. I am confident that managing our budget with YNAB builds us far more wealth than we'd ever possibly realize by keeping ...
by onourway
Fri Jun 01, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Easy way to meet minimum monthly transaction thresholds
Replies: 8
Views: 683

Re: Easy way to meet minimum monthly transaction thresholds

Sorry if this is a dumb question, but does that function similar to a savings account? Ie I can pull the money out without significant difficulty and without penalty, and the generated money counts as taxable income? Essentially, yes. Instead of 'transferring' money from your savings account though...
by onourway
Fri Jun 01, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Streaming TV and repeal of net neutrality
Replies: 15
Views: 1232

Re: Streaming TV and repeal of net neutrality

Whatever happens the market will react and services will change to be competitive in the current landscape. I'm strongly in favor of net neutrality, but I don't personally think that its repeal will have the effect a few large players are hoping for. In addition to the information posted above, stat...
by onourway
Fri Jun 01, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Do I have too much (cash) accounts?
Replies: 2
Views: 580

Re: Do I have too much (cash) accounts?

Not that big of a deal. I probably have more. I would get rid of Ally. Seems totally redundant. Keep cash in Schwab and Vanguard MMF's. I would close the BOA account as well if I could instead have an account at a local institution - maybe a credit union - without the hassles of transferring money t...