Search found 9735 matches

by whodidntante
Fri Mar 05, 2021 8:14 pm
Forum: Personal Investments
Topic: Please comment on planned AA
Replies: 15
Views: 702

Re: Please comment on planned AA

I would want more equities. At least 50%. Too much safety exposes you to risk.
by whodidntante
Fri Mar 05, 2021 7:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14745
Views: 1133481

Re: U.S. stocks continue to soar!

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. :twisted:
If we could figure out the other down days, we could avoid losses. :happy
by whodidntante
Fri Mar 05, 2021 5:14 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrency
Replies: 82
Views: 8162

Re: Cryptocurrency

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?
by whodidntante
Fri Mar 05, 2021 1:29 pm
Forum: Personal Consumer Issues
Topic: Does anyone use travelers checks any more?
Replies: 110
Views: 5749

Re: Does anyone use travelers checks any more?

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...
by whodidntante
Fri Mar 05, 2021 12:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22965
Views: 3012939

Re: U.S. stocks in free fall

The ARKK seems to be sinking.
by whodidntante
Fri Mar 05, 2021 12:36 pm
Forum: Investing - Theory, News & General
Topic: Best ETFs for shorting: IB Stock yield enhancement
Replies: 59
Views: 3865

Re: Best ETFs for shorting: IB Stock yield enhancement

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,...
by whodidntante
Fri Mar 05, 2021 11:20 am
Forum: Personal Consumer Issues
Topic: 2021 Sunglasses Thread 😎
Replies: 62
Views: 4686

Re: 2021 Sunglasses Thread 😎

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. :happy
by whodidntante
Fri Mar 05, 2021 12:43 am
Forum: Personal Investments
Topic: Stable Value Fund only ~1.5%
Replies: 13
Views: 1830

Re: Stable Value Fund only ~1.5%

My fixed income is in a SVF. The yield is a bit higher than the Vanguard one, at least for now.
by whodidntante
Thu Mar 04, 2021 10:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22965
Views: 3012939

Re: U.S. stocks in free fall

Time for the second annual March market madness? :twisted:
by whodidntante
Thu Mar 04, 2021 9:43 pm
Forum: Investing - Theory, News & General
Topic: Why 100% stocks and not use some put option writing?
Replies: 97
Views: 5833

Re: Why 100% stocks and not use some put option writing?

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 ...
by whodidntante
Thu Mar 04, 2021 8:20 pm
Forum: Investing - Theory, News & General
Topic: Why 100% stocks and not use some put option writing?
Replies: 97
Views: 5833

Re: Why 100% stocks and not use some put option writing?

I sell puts sometimes when I think people are paying too much for them. I booked a decent profit from it in March 2020.
by whodidntante
Thu Mar 04, 2021 6:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22965
Views: 3012939

Re: U.S. stocks in free fall

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. :twisted:
by whodidntante
Thu Mar 04, 2021 6:39 pm
Forum: Personal Consumer Issues
Topic: 1987 Carrier HVAC. Replace or fix?
Replies: 57
Views: 3449

Re: 1987 Carrier HVAC. Replace or fix?

I would purchase a doohickey to allow me to reset it from my phone.
by whodidntante
Thu Mar 04, 2021 6:34 pm
Forum: Investing - Theory, News & General
Topic: "Investing Isn't Engineering"
Replies: 27
Views: 3529

Re: "Investing Isn't Engineering"

Let's all +1! The polyfactorists must be reeducated! :twisted:
by whodidntante
Thu Mar 04, 2021 2:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22965
Views: 3012939

Re: U.S. stocks in free fall

I'm rooting for a trading halt. :twisted:
by whodidntante
Thu Mar 04, 2021 9:41 am
Forum: Non-US Investing
Topic: American check issued to a non-American
Replies: 11
Views: 709

Re: American check issued to a non-American

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...
by whodidntante
Thu Mar 04, 2021 9:38 am
Forum: Non-US Investing
Topic: American check issued to a non-American
Replies: 11
Views: 709

Re: American check issued to a non-American

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 ...
by whodidntante
Wed Mar 03, 2021 9:50 pm
Forum: Personal Investments
Topic: How long would you back a losing horse, to Stay The Course?
Replies: 167
Views: 11406

Re: How long would you back a loosing horse, to Stay The Course?

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...
by whodidntante
Tue Mar 02, 2021 11:17 pm
Forum: Investing - Theory, News & General
Topic: When will Bogleheads release the Boglecoin? To keep it educational, tell us what it would involve?
Replies: 11
Views: 854

Re: When will Bogleheads release the Boglecoin? To keep it educational, tell us what it would involve?

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...
by whodidntante
Tue Mar 02, 2021 7:47 pm
Forum: Personal Consumer Issues
Topic: Help! Dealer may have sold the car we are buying
Replies: 97
Views: 7606

Re: Help! Dealer may have sold the car we are buying

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.
by whodidntante
Tue Mar 02, 2021 7:18 pm
Forum: Personal Consumer Issues
Topic: Help! Dealer may have sold the car we are buying
Replies: 97
Views: 7606

Re: Help! Dealer may have sold the car we are buying

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...
by whodidntante
Tue Mar 02, 2021 7:15 pm
Forum: Personal Consumer Issues
Topic: Help! Dealer may have sold the car we are buying
Replies: 97
Views: 7606

Re: Help! Dealer may have sold the car we are buying

Why do y'all assume the OP has handed over money?
by whodidntante
Tue Mar 02, 2021 7:01 pm
Forum: Personal Investments
Topic: Medallion Signature guarantee, Notaries not accessible
Replies: 30
Views: 2657

Re: Medallion Signature guarantee, Notaries not accessible

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...
by whodidntante
Mon Mar 01, 2021 11:00 pm
Forum: Personal Consumer Issues
Topic: Texas resident selling car to buyer from Illinois
Replies: 24
Views: 1847

Re: Texas resident selling car to buyer from Illinois

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.
by whodidntante
Mon Mar 01, 2021 6:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22965
Views: 3012939

Re: U.S. stocks in free fall

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!
by whodidntante
Mon Mar 01, 2021 6:14 pm
Forum: Personal Investments
Topic: Fees of 401(k) defeat the purpose of a backdoor IRA?
Replies: 18
Views: 1181

Re: Fees of 401(k) defeat the purpose of a backdoor IRA?

You could moonlight and start a solo 401k with that accepts incoming rollovers. The world needs more booty shakers and whatnot.
by whodidntante
Mon Mar 01, 2021 6:08 pm
Forum: Non-US Investing
Topic: Any Chinese Investors ?(有中国的投资者吗?)
Replies: 49
Views: 6575

Re: Any Chinese Investors ?(有中国的投资者吗?)

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...
by whodidntante
Mon Mar 01, 2021 7:31 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14745
Views: 1133481

Re: U.S. stocks continue to soar!

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.
by whodidntante
Sun Feb 28, 2021 11:08 pm
Forum: Personal Consumer Issues
Topic: Texas resident selling car to buyer from Illinois
Replies: 24
Views: 1847

Re: Texas resident selling car to buyer from Illinois

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.
by whodidntante
Sun Feb 28, 2021 8:45 pm
Forum: Personal Consumer Issues
Topic: How much do you spend nightly for hotels (leisure/vacation)?
Replies: 213
Views: 12812

Re: How much do you spend nightly for hotels (leisure/vacation)?

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 ...
by whodidntante
Sun Feb 28, 2021 3:17 pm
Forum: Personal Consumer Issues
Topic: USPS Postmarks on Envelopes
Replies: 38
Views: 3449

Re: USPS Postmarks on Envelopes

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...
by whodidntante
Sun Feb 28, 2021 2:56 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 106
Views: 4683

Re: Do I need new tires?

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...
by whodidntante
Sun Feb 28, 2021 2:51 pm
Forum: Personal Investments
Topic: Dividend Reinvesting at Major Brokerage
Replies: 8
Views: 761

Re: Dividend Reinvesting at Major Brokerage

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...
by whodidntante
Sun Feb 28, 2021 2:41 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 106
Views: 4683

Re: Tire Rot?

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...
by whodidntante
Sun Feb 28, 2021 1:13 pm
Forum: Personal Consumer Issues
Topic: USPS Postmarks on Envelopes
Replies: 38
Views: 3449

Re: USPS Postmarks on Envelopes

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...
by whodidntante
Sun Feb 28, 2021 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: When Credit Card Fraud Happens Stay on Top of It!
Replies: 52
Views: 5001

Re: When Credit Card Fraud Happens Stay on Top of It!

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...
by whodidntante
Sun Feb 28, 2021 12:46 am
Forum: Personal Finance (Not Investing)
Topic: When Credit Card Fraud Happens Stay on Top of It!
Replies: 52
Views: 5001

Re: When Credit Card Fraud Happens Stay on Top of It!

Pizza Hut? Your thief has poor taste in pizza.
by whodidntante
Sat Feb 27, 2021 6:27 pm
Forum: Personal Consumer Issues
Topic: Power tool storage in non-conditioned, detached garage
Replies: 21
Views: 1911

Re: Power tool storage in non-conditioned, detached garage

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.
by whodidntante
Sat Feb 27, 2021 2:15 pm
Forum: Personal Consumer Issues
Topic: Airport lounges
Replies: 24
Views: 3186

Re: Airport lounges

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...
by whodidntante
Sat Feb 27, 2021 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for car loans
Replies: 6
Views: 435

Re: Shopping for car loans

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.
by whodidntante
Sat Feb 27, 2021 11:50 am
Forum: Investing - Theory, News & General
Topic: Debt is a Negative Bond - The White Coat Investor
Replies: 542
Views: 27363

Re: Debt is a Negative Bond - The White Coat Investor

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
by whodidntante
Fri Feb 26, 2021 11:34 pm
Forum: Personal Investments
Topic: Negative yield from SHV?
Replies: 3
Views: 440

Re: Negative yield from SHV?

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...
by whodidntante
Fri Feb 26, 2021 11:23 pm
Forum: Personal Investments
Topic: Broker for covered calls?
Replies: 13
Views: 819

Re: Broker for covered calls?

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 ...
by whodidntante
Fri Feb 26, 2021 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Consider mortgage loan modification (rather than a refinance)
Replies: 9
Views: 1242

Re: Consider mortgage loan modification (rather than a refinance)

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...
by whodidntante
Fri Feb 26, 2021 6:41 pm
Forum: Investing - Theory, News & General
Topic: Debt is a Negative Bond - The White Coat Investor
Replies: 542
Views: 27363

Re: Debt is a Negative Bond - The White Coat Investor

This thread is a rootin' tootin' heapin' helping of overthinking IMO. :wink:
by whodidntante
Fri Feb 26, 2021 12:14 pm
Forum: Personal Consumer Issues
Topic: At what point will Amazon ban someone?
Replies: 37
Views: 4830

Re: At what point will Amazon ban someone?

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...
by whodidntante
Thu Feb 25, 2021 11:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22965
Views: 3012939

Re: U.S. stocks in free fall

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

Image
We recently had a hugely negative quarter. Some rebound sure, but the economy has been experiencing shortness of breath for a year.
by whodidntante
Thu Feb 25, 2021 10:47 pm
Forum: Personal Consumer Issues
Topic: At what point will Amazon ban someone?
Replies: 37
Views: 4830

Re: At what point will Amazon ban someone?

I honestly wouldn't care if any company banned me for what I believe are reasonable returns on well-intentioned purchases.
by whodidntante
Thu Feb 25, 2021 10:06 pm
Forum: Investing - Theory, News & General
Topic: Low volume, large spread OTC stock
Replies: 6
Views: 540

Re: Low volume, large spread OTC stock

How does #1 avoid the spread?