Bogleheads.org

whodidntante

I would want more equities. At least 50%. Too much safety exposes you to risk.

whodidntante

FIREchief wrote: ↑Fri Mar 05, 2021 2:08 pm
UpperNwGuy wrote: ↑Fri Mar 05, 2021 7:44 am
Blue456 wrote: ↑Fri Mar 05, 2021 7:39 am Looks like futures are up
Remember that today is a Friday, and that often means a downward day.
I read somewhere that around 40% of all down days occur on a Monday or a Friday. Scary stuff.

If we could figure out the other down days, we could avoid losses.

whodidntante

Some of the dismissive comments in this thread have not aged well. Just curious, has anyone who is on record as considering cryptocurrency stupid, a scam, or to have no inherent value come around to a more positive viewpoint? Are you able to recall why you changed your mind?

whodidntante

I don't even use currency anymore. When paying local handymen to do things (like building a stone wall, to take a recent example) I pay in cash as that's usually requested. If a neighborhood kid mows your lawn or shovels your driveway how do you pay? What about a babysitter? What about a neighbor w...

whodidntante

The ARKK seems to be sinking.

whodidntante

Is there any way to find out how much an ETF that you don't own is being lend out by IB? Does the 'available' info here hold any clue? https://iborrowdesk.com/report/SPY Login to IB and then use the FTP site I linked earlier in this thread to find the rates. In terms of how many shares are on loan,...

whodidntante

I have an extremely large, oval-shaped head. I recently walked into Macy's and tried on a lot of pairs. Exactly one fit my freakish head, made by Persol. Don't get me started on hats.

whodidntante

My fixed income is in a SVF. The yield is a bit higher than the Vanguard one, at least for now.

whodidntante

Time for the second annual March market madness?

whodidntante

I sell puts sometimes when I think people are paying too much for them. I booked a decent profit from it in March 2020. How do you figure out how much to charge? Do you have a Black-Scholes calculator? Do you do it by feel? I mean, how do you determine how much risk you are taking, and how much to ...

whodidntante

I sell puts sometimes when I think people are paying too much for them. I booked a decent profit from it in March 2020.

whodidntante

I didn't get the trading halt I was calling for, but it does appear that the ARKK has caught fire. Just not the way the Wood fans hoped for.

whodidntante

I would purchase a doohickey to allow me to reset it from my phone.

whodidntante

Let's all +1! The polyfactorists must be reeducated!

whodidntante

I'm rooting for a trading halt.

whodidntante

LOL. No.

whodidntante

Be prepared to wait awhile for the check to clear. Do not transfer any money until then. Sure. I wouldn't personally think that Louisiana is good for it, either. :happy Slightly more seriously, available is not equivalent to cleared. As many, many people who have been scammed will tell you. I don't...

whodidntante

Back when people still thought checks were a good idea, it was possible to "sign over" a check to somebody else, which would grant them the right to deposit it. Checks are an anachronism and I suppose they kept all that traditional stuff in modern times. I would try that. Not sure if this ...

whodidntante

I don't invest in "SCV" and I doubt many do, but I do invest in multi-factor funds that provide great exposure to small and value. Just so I do not create confusion, the funds I invest in have "small" and "value" in the name but are actually built on different models th...

whodidntante

You really shouldn't be having trouble finding information or a better discussion forum about one of the hottest topics in recent years. There is an orgy of literature, video, and podcasts available about how existing cryptocurrencies work, at least for the ones that matter. You can also participate...

whodidntante

For a contract to be valid and enforceable, it is necessary but not sufficient that there was consideration. A deposit would be an example of consideration. You should probably move on to the next deal.

whodidntante

I sell things quite often. I'll usually require a deposit to hold something even for a fraction of a second. I realize that the person might be driving a long way to get the item. I would make an exception if the item is unlikely to attract more buyers. But if it's a hot item, you need to give me mo...

whodidntante

Why do y'all assume the OP has handed over money?

whodidntante

You do not need a notary or a signature guarantee to do this. Instead, do this: 1) Make sure that you have not done an indirect rollover in any of your IRAs/HSAs for the last 12 months. 2) Take a full distribution from the HSA, or if you'd like to keep it open, leave 2 cents. Do this via "reim...

whodidntante

There is no need to lug around hooptie money in cash. I would accept a wire transfer as payment. And I do mean specifically a wire transfer, not ACH, not PayPal, not whatever you think I said, but a wire transfer.

whodidntante

corp_sharecropper wrote: ↑Fri Feb 26, 2021 7:47 am <checks calendar>

Huh, well I'll be damned, time flies, it's already that time of year again where my RSUs crater just days before vesting. This annual tradition is really sticking.

Buy puts or sell short. If it's as reliable as you say, you've got a money printer!

whodidntante

You could moonlight and start a solo 401k with that accepts incoming rollovers. The world needs more booty shakers and whatnot.

whodidntante

Personally I'd LOVE to see Chinese investors participating on this board. From what I"ve seen most non-US investors are from Europe. Then the Americas, Australia, and finally Asia. Without more, it's hard to decipher who you are asking about and what situation you are interested in sharing/loo...

whodidntante

nedsaid wrote: ↑Tue Feb 16, 2021 10:53 pm Just wait! Just wait for next year! The Great Swedroe will rise in the Pumpkin Patch on Halloween and deliver the Value Premium to all the good little boys and girls. You just got to believe.

Genuine LOL!!! I hope you never die, nedsaid.

whodidntante

The esteemed dude likely needs something that shows the sale price of the hooptie purchase so he can pay use tax. Maybe a bill of sale? Just ask him.

I personally think you're crazy for accepting a check. Don't do that. Not even a cashier's check or a certified check.

whodidntante

In Europe I look for 4 star hotels (the European star system) with good ratings and reasonable prices. I want air conditioning, in-room wifi, and an in-room safe for my valuables. I don't care about television, dining facilities, or even an in-room coffee pot (I bring my own electric pot). I never ...

whodidntante

I don't think a private enterprise is going to put out a reasonable costing service that is willing to try to service every single address in the USA multiple days per week. Do you? I guess it's an interesting debate. I agree that this will not happen. But I also don't think it is necessary in 2021...

whodidntante

Back in the 70s, when I was a Niagara guy, China was a 3rd world country. It's now considered a 2nd world country. I'm pretty sure that terms like "3rd world" are considered discourteous today. It was discovered that inhabitants of places labeled as such actually inhabit the same world as...

whodidntante

Major brokers allow dividend reinvestment only for certain stocks. Typically stocks that have a lot of daily volume. You don't really want automatic trades on thinly traded securities, because sometimes you'll trade at unfavorable prices. I always turn it off because it can inadvertently lead to was...

whodidntante

Bogleheads: I see no mention of "tire rot"? The dealer wants to replace my son's tires because of "tire rot." The tread is fine but the tires are old. He lives in Florida. What do you think? Best wishes. Taylor Jack Bogle's Words of Wisdom: "Learn from the experience of oth...

whodidntante

In my opinion, the USPS has failed to provide reliable mail service at a reasonable cost and they do not have a plan to correct that. It would be sensible at this point to end the USPS monopoly on mail and let the market sort it (wakka wakka) out. I'm personally OK with it if the market is unable to...

whodidntante

Pizza Hut? Your thief has poor taste in pizza. Lol, my thoughts as well. When I was on the phone with Citi I was trying to think of the last time I ate in a Pizza Hut. It has to be something like 40 years. :wink: Yes, I'm a pizza snob. There's a good chance that one of those orders made was deliver...

whodidntante

Pizza Hut? Your thief has poor taste in pizza.

whodidntante

A lot of garages suffer from high humidity which will cause rust/corrosion/pitting in metal. Insulation and a bit of heat in the winter will help.

whodidntante

I know of ways to do it, but no way that is cheap. If you are a frequent user, you can buy prepaid lounge memberships e.g. PriorityPass Prestige. However, everyone in your party most likely needs their own membership or you'll pay guest fees. You can also utilize AmEx and Mastercard lounges. Bringin...

whodidntante

If you live in a city, look at every local credit union. Very likely you can get a rate < 2%. Maybe quite a bit under.

whodidntante

Steve Reading wrote: ↑Sat Feb 27, 2021 9:03 am
JoeRetire wrote: ↑Sat Feb 27, 2021 8:41 am So a mortgage is a negative bond.
And a student loan is a negative bond.

Thus a mortgage is a student loan! And paying off your student loan increases the equity in your house!
Oh nice, an association fallacy, wrapped up in a slippery slope.

LOL

whodidntante

Treasury money market funds reduce expenses during times of low yield in order to avoid breaking the buck. A Treasury MMF will not pay anything significant right now, and you will lose to inflation holding one, but it's unlikely you will lose money. Here's an example of what I am talking about. http...

whodidntante

Firstrade is a "real broker" that has been around a long time. My understanding is they developed a custom front-end and use Apex Clearing on the back-end. The platform is fine. They do not charge commissions or fees per contract for options. I've also shorted stocks for free there. There ...

whodidntante

Reviving this thread. Does anyone have advice on how to negotiate with my current lender for a LOWER interest rate? I am at 4.0% with $62,000 outstanding. Monthly P and I is $547. Bank is telling me that if I send in a lump sum of $10,000 towards principal, they will reamortize the remaining $52,00...

whodidntante

This thread is a rootin' tootin' heapin' helping of overthinking IMO.

whodidntante

I honestly wouldn't care if any company banned me for what I believe are reasonable returns on well-intentioned purchases. If you occasionally buy a thing or two from Amazon, sure. But there are many people or households that place 100 or more orders a year, including groceries, and it's their prim...

whodidntante

corn18 wrote: ↑Thu Feb 25, 2021 9:11 pm I think we're in a recession and don't know it yet.

We recently had a hugely negative quarter. Some rebound sure, but the economy has been experiencing shortness of breath for a year.

whodidntante

I honestly wouldn't care if any company banned me for what I believe are reasonable returns on well-intentioned purchases.

whodidntante

How does #1 avoid the spread?

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