Search found 1088 matches

by ChinchillaWhiplash
Sun Apr 11, 2021 11:36 am
Forum: Investing - Theory, News & General
Topic: “Buy and Hold No More” says A16Z
Replies: 33
Views: 3690

Re: “Buy and Hold No More” says A16Z

I made some small bets on micro stocks that are up over 100% in less than a year. I did research on them. Positive earnings and growing in a high tech micro laser measuring company and non-lethal defense products with branch in GIS software for tracking COVID. (LUNA, GNSS). You can make money by ind...
by ChinchillaWhiplash
Sun Apr 11, 2021 10:36 am
Forum: Investing - Theory, News & General
Topic: “Buy and Hold No More” says A16Z
Replies: 33
Views: 3690

Re: “Buy and Hold No More” says A16Z

To add to all of this, margin amounts are hitting an all time high. Let’s borrow to buy more stocks and make more money. Then I can borrow more and keep making money :greedy . At some point, something has to give. https://www.cnbc.com/2015/04/27/what-re ... tocks.html
by ChinchillaWhiplash
Sun Apr 11, 2021 10:23 am
Forum: Personal Investments
Topic: too much in munis?
Replies: 9
Views: 554

Re: too much in munis?

Long term, a diversified intermediate term muni bond fund is probably fine. But in times of stock market distress, muni bonds funds usually fall a little (definitely a lot less than stocks) vs. Treasury bonds which usually increase (flight to safety). Well this wasn't true last year. Munis fell har...
by ChinchillaWhiplash
Thu Apr 08, 2021 7:53 pm
Forum: Personal Consumer Issues
Topic: New or Used: car purchase
Replies: 17
Views: 1262

Re: New or Used: car purchase

> Basically need decent fuel milage, off roadability, comfort, and room to haul stuff around Strong off-road ability goes along with poor gas mileage. Hate to say it, but this might be an excellent use case for a 4runner. If you're gonna have poor gas mileage you might as well have reliability. ouc...
by ChinchillaWhiplash
Thu Apr 08, 2021 6:21 pm
Forum: Personal Consumer Issues
Topic: New or Used: car purchase
Replies: 17
Views: 1262

Re: New or Used: car purchase

The Jeep has worked well, but the engine is ticking loudly in the valvetrain. Feels like the trans is going out too. You need more information about what is wrong and how much it would be to fix it. In the worst case putting a rebuilt engine and transmission into it would worth considering compared...
by ChinchillaWhiplash
Thu Apr 08, 2021 3:14 pm
Forum: Personal Consumer Issues
Topic: New or Used: car purchase
Replies: 17
Views: 1262

Re: New or Used: car purchase

OK, did some searching online. Looks like we can get a Cherokee TH with under 50k miles for around $20-25k. New ones are $36k. Seems like that might be the best choice. Can get one of these used ones and drive for at least 5 yrs. wife would be happy as she loves her current vehicle.
by ChinchillaWhiplash
Thu Apr 08, 2021 2:01 pm
Forum: Personal Consumer Issues
Topic: New or Used: car purchase
Replies: 17
Views: 1262

Re: New or Used: car purchase

She might like a different Subaru. Ours has 150 hp, base model with stick. Not enough power in the mountains, but has good ground clearance and good in snow. She hates driving it. The Trail Hawk has rear locker and 4 low crawl mode. Has been useful when she gets stuck in deep snow. Always able to ge...
by ChinchillaWhiplash
Thu Apr 08, 2021 12:52 pm
Forum: Personal Consumer Issues
Topic: New or Used: car purchase
Replies: 17
Views: 1262

New or Used: car purchase

OK, getting close to needing a new vehicle for my wife. Trying to decide on wether to buy new or used. Prefer to buy used, but... Drives an average of 25,000 miles each year. Need something to get through heavy snow even in a blizzard. Muddy, wash boarded, potholed roads. Basically need decent fuel ...
by ChinchillaWhiplash
Thu Apr 08, 2021 12:37 pm
Forum: Personal Consumer Issues
Topic: walking shoes with wide toes?
Replies: 45
Views: 2435

Re: walking shoes with wide toes?

These are the best you can buy. Feel like you are walking barefoot. They last forever also and are made in USA. Small factory with 4 employees. Got to take a tour when I bought some shoes from them. Owners are awesome people too. https://www.somfootwear.com/pages/made-in-the-usa?gclid=EAIaIQobChMIkP...
by ChinchillaWhiplash
Wed Apr 07, 2021 1:47 pm
Forum: Personal Consumer Issues
Topic: American Air ticket refunds?
Replies: 11
Views: 936

Re: American Air ticket refunds?

Wanted to post an update. I cancelled the flights before I left to drive to the children’s hospital. Then sent the refund request with a physician’s note when we got back home 10 days later. American Air said the tickets were non refundable, but did give us credits. Happy with the results and our ch...
by ChinchillaWhiplash
Mon Apr 05, 2021 10:52 pm
Forum: Personal Investments
Topic: Reworking my investments: follow-up
Replies: 8
Views: 1065

Re: Reworking my investments: follow-up

Basically, I'd like to stick with Schwab funds because that's where my accounts are right now, and I can buy their funds without being charged a service fee. Why mutual funds v. ETFs? Higher fees, lower liquidity, same composition..... If going with Schwab funds, the MFs and “corresponding” ETFs ar...
by ChinchillaWhiplash
Sun Apr 04, 2021 5:02 pm
Forum: Personal Investments
Topic: Where to go for cash position returns ?
Replies: 15
Views: 1041

Re: Where to go for cash position returns ?

Use a 2% cash back CC to purchase everything. Keep money in HY savings at 0.50% to pay it off each month. Boom 2.5% return.
by ChinchillaWhiplash
Sun Apr 04, 2021 2:18 pm
Forum: Personal Investments
Topic: Can I makeup for previous low contributions? And review of new retirement plan.
Replies: 26
Views: 2160

Re: Can I makeup for previous low contributions? And review of new retirement plan.

Best things you can do are to increase savings rate. Use all tax deferred space. Take on more risk. Big thing is to not get into debt other than a mortgage. Live within your means. You are also not very behind. You have a lot of time for your money to grow.
by ChinchillaWhiplash
Sun Apr 04, 2021 1:42 pm
Forum: Investing - Theory, News & General
Topic: Stone Ridge All Asset Variance Risk Premium Fund
Replies: 117
Views: 5451

Re: Stone Ridge All Asset Variance Risk Premium Fund

According to TDA SRDAX has a $500,000 minimum initial investment and > 2% ER. Ya gotta be loaded to get in this fund :moneybag
by ChinchillaWhiplash
Sun Apr 04, 2021 1:06 pm
Forum: Investing - Theory, News & General
Topic: ETF selling at premium.
Replies: 3
Views: 432

Re: ETF selling at premium.

I think you are looking at after-hours pricing as the US stock market was closed on Friday April 2, 2021. According to Bloomberg, the average 52-week premium for SCHF is 0.10%: https://www.bloomberg.com/quote/SCHF:US Try checking again around 9:31am Eastern Standard Time on Monday April 5, 2021 whe...
by ChinchillaWhiplash
Sun Apr 04, 2021 9:18 am
Forum: Investing - Theory, News & General
Topic: ETF selling at premium.
Replies: 3
Views: 432

ETF selling at premium.

I noticed that general International indexed funds are all selling at a premium to US equities index funds. Some, like the Schwab international index fund SCHF are trading at close to a 1% premium! Does this mean that buyers are flocking to international? Doesn’t matter, but was curious why there wa...
by ChinchillaWhiplash
Sat Apr 03, 2021 11:31 am
Forum: Investing - Theory, News & General
Topic: EM growth fund?
Replies: 4
Views: 279

Re: EM growth fund?

Referring to growth in the traditional expected to make higher profits sense. Wasn’t necessarily looking for SC. Found several ETFs that are value/dividend oriented for EM, but nothing for growth. Maybe a standard blend fund will capture most of this class? Whether it captures it or not, I don't th...
by ChinchillaWhiplash
Sat Apr 03, 2021 11:22 am
Forum: Investing - Theory, News & General
Topic: EM growth fund?
Replies: 4
Views: 279

Re: EM growth fund?

Referring to growth in the traditional expected to make higher profits sense. Wasn’t necessarily looking for SC. Found several ETFs that are value/dividend oriented for EM, but nothing for growth. Maybe a standard blend fund will capture most of this class?
by ChinchillaWhiplash
Sat Apr 03, 2021 10:50 am
Forum: Investing - Theory, News & General
Topic: EM growth fund?
Replies: 4
Views: 279

EM growth fund?

Is there a good, low cost EM growth fund out there? Does EM growth make sense? This is the area where there could be a new international superstar. Lots of ideas and innovations from countries such as China, India, Israel, Russia, etc. Who knows, one of these EM countries could be the home of the ne...
by ChinchillaWhiplash
Fri Apr 02, 2021 2:20 pm
Forum: Personal Investments
Topic: High expense ratio vs. high tax consequences?
Replies: 18
Views: 1219

Re: High expense ratio vs. high tax consequences?

:oops: After checking. This fund has outperformed S&P 500 Vanguard fund for quite a long stretch. You might be better off leaving it as is and hope that you are in a lower tax bracket in retirement. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&am...
by ChinchillaWhiplash
Fri Apr 02, 2021 2:11 pm
Forum: Personal Investments
Topic: High expense ratio vs. high tax consequences?
Replies: 18
Views: 1219

Re: High expense ratio vs. high tax consequences?

Your long term capital gains tax will depend on your filing status and tax rate. On average, most people will pay 15%. This would be $39,000 on your gains. Not a huge amount as you still made a lot of profit. .79% on $370000 is $2923. This will add up over time in lost growth/profit. You can pay tax...
by ChinchillaWhiplash
Fri Apr 02, 2021 1:15 pm
Forum: Personal Investments
Topic: just getting started
Replies: 5
Views: 444

Re: just getting started

One big detail you need to figure out is how much you will need in retirement to see how long your money will last. This might be a major determinant in your chosen AA. Basically tally up your expenses for a year and run it though an online retirement calculator. Factor in inflation of around 2% on ...
by ChinchillaWhiplash
Thu Apr 01, 2021 9:10 pm
Forum: Personal Consumer Issues
Topic: American Air ticket refunds?
Replies: 11
Views: 936

Re: American Air ticket refunds?

Had a family medical emergency and had to cancel our planned Spring Break trip. Went through the AA.com web site and filed a refund request. Checked on status and it lists the 1st flight of a total of 4 (1st leaving home, 2nd connecting flight to final destination, 3rd departure flight from destina...
by ChinchillaWhiplash
Thu Apr 01, 2021 7:31 pm
Forum: Personal Consumer Issues
Topic: American Air ticket refunds?
Replies: 11
Views: 936

American Air ticket refunds?

Had a family medical emergency and had to cancel our planned Spring Break trip. Went through the AA.com web site and filed a refund request. Checked on status and it lists the 1st flight of a total of 4 (1st leaving home, 2nd connecting flight to final destination, 3rd departure flight from destinat...
by ChinchillaWhiplash
Wed Mar 31, 2021 4:26 pm
Forum: Investing - Theory, News & General
Topic: Why do rising bond yields affect tech stocks but not other stocks?
Replies: 18
Views: 1694

Re: Why do rising bond yields affect tech stocks but not other stocks?

Companies that borrow more will have future earnings affected. Growth companies with high P/E are more likely to rely on leverage. A lot of those companies issues bonds to raise capital. When interest rates rise so does the cost of raising capital via issuing bonds. Company owes more then value of c...
by ChinchillaWhiplash
Wed Mar 31, 2021 9:42 am
Forum: Investing - Theory, News & General
Topic: Anyone increasing international allocation?
Replies: 121
Views: 7582

Re: Anyone increasing international allocation?

China is the 2 largest economic power in the world and growing. I can’t say for certain what the future holds, but it sure looks like international will have its day in the sun at some point in the next decade. I just split equities 50/50 with international tilted to small caps. I figure that the SC...
by ChinchillaWhiplash
Tue Mar 30, 2021 5:58 pm
Forum: Investing - Theory, News & General
Topic: EMB what asset class?
Replies: 40
Views: 1900

EMB what asset class?

What would one categorise Emerging Market bonds as? It’s bonds but behaves more like equities. Is it kind of a hybrid? I personally look at them more like an addition to EM equities. Wondering how others viewed them and if they help diversify a portfolio? They seems to have a fairly low correlation ...
by ChinchillaWhiplash
Mon Mar 29, 2021 8:17 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs no dividends. A case study.
Replies: 53
Views: 3843

Re: Dividends vs no dividends quantified

Some of you obviously haven’t even read what I posted in full. I sense a bit of dogma here.
by ChinchillaWhiplash
Mon Mar 29, 2021 8:16 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs no dividends. A case study.
Replies: 53
Views: 3843

Re: Dividends vs no dividends quantified

Dividends are not wealth. Your example is like saying you are going to buy individual stocks based on the positive earning calls and are expecting to profit from it as if you were the only market participant. The market arbitrages away the benefit of a dividend. If it didn't, then you could simply ...
by ChinchillaWhiplash
Mon Mar 29, 2021 7:11 pm
Forum: Investing - Theory, News & General
Topic: Market crashes. Who causes them?
Replies: 42
Views: 3774

Market crashes. Who causes them?

Who sells off all the stocks that create market crashes? I have read that institutions hold around 78% of all stocks in the US market. I find it hard to believe that these professionals would panic sell enough to create an actual market crash. Yet, it seems unlikely that the remaining 22% of shares ...
by ChinchillaWhiplash
Mon Mar 29, 2021 2:15 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs no dividends. A case study.
Replies: 53
Views: 3843

Re: Dividends vs no dividends quantified

Dividends are not wealth. Your example is like saying you are going to buy individual stocks based on the positive earning calls and are expecting to profit from it as if you were the only market participant. The market arbitrages away the benefit of a dividend. If it didn't, then you could simply ...
by ChinchillaWhiplash
Mon Mar 29, 2021 12:44 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs no dividends. A case study.
Replies: 53
Views: 3843

Re: Dividends vs no dividends quantified

I think Hitchen's Razor applies here. Why? Pretty straight up comparison. It is hypothetical. Not real world where more variables would be involved. All else being equal saying a company grows 10% and considering the same company parallel to itself paying a 2% dividend or not seems like a fair comp...
by ChinchillaWhiplash
Mon Mar 29, 2021 10:42 am
Forum: Investing - Theory, News & General
Topic: Dividends vs no dividends. A case study.
Replies: 53
Views: 3843

Re: Dividends vs no dividends quantified

I basically took the scientific approach. It is a hypothetical company or fund. It does not matter which. Starting price =. Growth of company/fund =. I control the variables which is the 2% annual dividend, the 30% drop and the time frame. I think the math speaks for itself. I basically get sick of ...
by ChinchillaWhiplash
Mon Mar 29, 2021 9:46 am
Forum: Investing - Theory, News & General
Topic: Dividends vs no dividends. A case study.
Replies: 53
Views: 3843

Re: Dividends vs no dividends quantified

No reinvesting. Used quick back of napkin calculations. I generally don’t reinvest into the same fund unless it is a class that is down. I use the dividends to cash flow to which ever class is down at that time. If you guys want to run calculations for reinvesting, please do and post your results :b...
by ChinchillaWhiplash
Mon Mar 29, 2021 9:04 am
Forum: Investing - Theory, News & General
Topic: Dividends vs no dividends. A case study.
Replies: 53
Views: 3843

Dividends vs no dividends. A case study.

Did a little experiment to see which is better. Assume same company or fund with same growth rate. One example pays no dividend other does pay a 2% yearly dividend for ease of calculation. Looked at 10% growth rate over 5 yr period with an added 1/2 year having 5% growth then a 30% drop to simulate ...
by ChinchillaWhiplash
Sun Mar 28, 2021 9:20 pm
Forum: Investing - Theory, News & General
Topic: "Nobody Knows Nothin'"
Replies: 83
Views: 7850

Re: "Nobody Knows Nothin'"

Nobody knows nothin but everything is already priced into the market because markets are efficient. :? Somebody knows something. Also markets (at least individual stocks) aren’t necessarily priced properly. Ever heard of earning surprise. Stocks go up and down in a day’s notice on news which was unk...
by ChinchillaWhiplash
Sat Mar 27, 2021 4:38 pm
Forum: Personal Investments
Topic: Financial plan to make most money possible.
Replies: 32
Views: 2555

Re: Financial plan to make most money possible.

Save as much as you can by spending as little as you can. Take a lot of risk. 3x TQQQ fund when it’s down. Syndicated real estate if you don’t want the hassle of direct ownership of rental properties. Person to person loans.
by ChinchillaWhiplash
Sat Mar 27, 2021 4:16 pm
Forum: Investing - Theory, News & General
Topic: Holding Mortgage + investing in taxable = leveraged investing?
Replies: 15
Views: 1784

Re: Holding Mortgage + investing in taxable = leveraged investing?

bling wrote: Sat Mar 27, 2021 8:49 am
ChinchillaWhiplash wrote: Fri Mar 26, 2021 7:20 pm 3.875% mortgage fixed.
refinance? rates have been creeping up but you should still be able to get a 30yr in the high 2s.
Currently have 18 yrs left on 20 yr and have it down close to non-jumbo. Thinking about a refi once it’s down enough.
by ChinchillaWhiplash
Sat Mar 27, 2021 4:12 pm
Forum: Personal Investments
Topic: Taxable investment fund recommendations, dividend income, etc
Replies: 23
Views: 2224

Re: Taxable investment fund recommendations, dividend income, etc

I have traded CEF tax free muni funds. I watch the NAV. I try and buy at a discount. If the price jumps up above NAV a lot, I sell for a profit and buy a similar fund that is at a discount. Has worked well thus far. I have liquidated thousands of shares of thinly traded funds by selling a bunch of ...
by ChinchillaWhiplash
Fri Mar 26, 2021 8:33 pm
Forum: Personal Investments
Topic: Taxable investment fund recommendations, dividend income, etc
Replies: 23
Views: 2224

Re: Taxable investment fund recommendations, dividend income, etc

I have traded CEF tax free muni funds. I watch the NAV. I try and buy at a discount. If the price jumps up above NAV a lot, I sell for a profit and buy a similar fund that is at a discount. Has worked well thus far. I have liquidated thousands of shares of thinly traded funds by selling a bunch of s...
by ChinchillaWhiplash
Fri Mar 26, 2021 8:20 pm
Forum: Personal Investments
Topic: Taxable investment fund recommendations, dividend income, etc
Replies: 23
Views: 2224

Re: Taxable investment fund recommendations, dividend income, etc

For AWF, EOS and similar CEF funds, etc are those good for shorter term investing as well? Or are these really best suited for holding long-term with the intention of generating some supplemental income YOY in that context? They will go up and down like any equity fund. Not as good short term as a ...
by ChinchillaWhiplash
Fri Mar 26, 2021 8:05 pm
Forum: Personal Investments
Topic: Taxable investment fund recommendations, dividend income, etc
Replies: 23
Views: 2224

Re: Taxable investment fund recommendations, dividend income, etc

I like EOS eaton vance income ... great record ..monthly dividends / income .... usually income paid is long term capital gains and or constructive return of capital ... beats all the usual funds like VYM or Schd..even spy for income and total return .. for years and years ..Tax efficient ..... run...
by ChinchillaWhiplash
Fri Mar 26, 2021 7:20 pm
Forum: Investing - Theory, News & General
Topic: Holding Mortgage + investing in taxable = leveraged investing?
Replies: 15
Views: 1784

Holding Mortgage + investing in taxable = leveraged investing?

Is there a good way to figure out exactly how much you are using leverage when you have a mortgage but choose to put extra cash flow into taxable investments over paying extra on the mortgage? Guessing have to figure in after tax interest paid for mortgage if using itemized deductions. How do you ca...
by ChinchillaWhiplash
Fri Mar 26, 2021 6:50 pm
Forum: Personal Investments
Topic: Long and short term capital gains
Replies: 4
Views: 438

Re: Long and short term capital gains

I think what you are seeing is the capital gains generated within the funds. As a fund sells some of their holdings, short and long term capital gains can be generated. These gains are paid as part of the dividend the fund distributes. That’s what’s happening with the turnover rate. Stocks are being...
by ChinchillaWhiplash
Thu Mar 25, 2021 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Business owner (medical practice) benefits to reduce taxable income
Replies: 1
Views: 270

Re: Business owner (medical practice) benefits to reduce taxable income

CME, malpractice insurance, licensing fees, disability, other business oriented expenses should be deductible. That is all I can think of off hand. Consult with the group’s CPA as they should have some ideas.
by ChinchillaWhiplash
Wed Mar 24, 2021 4:19 pm
Forum: Investing - Theory, News & General
Topic: Are 3x leveraged ETFs the long-term winning strategy?
Replies: 625
Views: 29149

Re: Are 3x leveraged ETFs the long-term winning strategy?

Leveraged ETFs are great on the way up, bad on the way down, and bad in a sideways market. Here’s how an actual LETF performed over the past 15 years or so. You’ve only been outperforming the market since March 2020. https://i.ibb.co/z4PF88X/771-B753-F-8208-4-A3-E-85-B5-83036-F5-D4634.jpg Yes, leve...
by ChinchillaWhiplash
Wed Mar 24, 2021 11:09 am
Forum: Investing - Theory, News & General
Topic: ETFs closing/dissolving?
Replies: 1
Views: 209

ETFs closing/dissolving?

With the plethora of ETFs out there tracking the umpteen indexes that now exist, wonder how many of these will fail due to not enough activity? Is there a volume or amount that most companies use to gauge wether or not to shut down a fund? I know Vanguard has closed some of their less known factor f...
by ChinchillaWhiplash
Mon Mar 22, 2021 1:03 pm
Forum: Personal Consumer Issues
Topic: Safety of logging in to retirement account using unsecure wifi?
Replies: 33
Views: 3034

Re: Safety of logging in to retirement account using unsecure wifi?

Thanks for all the great info :D I knew I could get the answers from the good people on this site. :beer
by ChinchillaWhiplash
Mon Mar 22, 2021 11:23 am
Forum: Personal Consumer Issues
Topic: Safety of logging in to retirement account using unsecure wifi?
Replies: 33
Views: 3034

Re: Safety of logging in to retirement account using unsecure wifi?

Biggest problem is I can’t see what’s in the account to know how many shares to place an order for. Probably can get an account balance via an automated message. Getting a rep might be difficult too as they have been swamped with calls based on some posts I’ve seen recently.