Search found 2879 matches

by ochotona
Sun Nov 24, 2019 9:56 am
Forum: Variable Portfolio Discussion
Topic: Thoughts on Emerging Markets?
Replies: 24
Views: 3273

SOUTH KOREA

If you pair up some international developed market ETFs with certain other emerging market ETFs, you either omit or double-dose on South Korea. XSOE and FRDM, discussed here earlier, both have S. Korea in them, so if you also get Vanguard VEA, you double-dose the kimchi. IDEV is a developed market E...
by ochotona
Sat Nov 23, 2019 4:28 pm
Forum: Cash
Topic: How do you invest the Cash portion?
Replies: 161
Views: 34045

Re: How do you invest the Cash portion?

I am going to grab a 1 year Jumbo CD with 2.06% APR at Advancial Credit Union, which is a Texas credit union with branches in some of the Energy States: TX, LA, AK, OK. But I think anyone can open an account and buy a CD.
by ochotona
Fri Nov 22, 2019 3:03 am
Forum: Other Discussions
Topic: Do it yourself Will software
Replies: 13
Views: 323

Re: Do it yourself Will software

I bet the Texas protection for your homestead in case of bankruptcy goes away also if you don't own it, but the trust does. My mom has a trust, and I don't see the point of it. It covers basically her house, car (a wreck anyway), personal effects, bank, and one Schwab account. All else divvy up by b...
by ochotona
Thu Nov 21, 2019 7:28 pm
Forum: Other Discussions
Topic: Do it yourself Will software
Replies: 13
Views: 323

Re: Do it yourself Will software

Most of my assets will be distributed via beneficiary designations... so they don't even become part of the probate estate. The Will will just sweep up whatever is left.
by ochotona
Thu Nov 21, 2019 2:55 pm
Forum: Other Discussions
Topic: Do it yourself Will software
Replies: 13
Views: 323

Do it yourself Will software

What do people like for Last Will and Testament software? Something that covers digital legacy and pets?
by ochotona
Thu Nov 21, 2019 12:27 pm
Forum: Permanent Portfolio Discussion
Topic: The Lively HSA
Replies: 89
Views: 41721

Re: The Lively HSA

TD owns Wrigley?
by ochotona
Thu Nov 21, 2019 6:24 am
Forum: Permanent Portfolio Discussion
Topic: The Lively HSA
Replies: 89
Views: 41721

Re: The Lively HSA

If Schwab buys TD Ameritrade today then Lively HSA gets thrown under the bus, because Schwab has no HSA offering... It will go from being the Lively HSA to the Dead HSA, unless Schwab begins offering HSAs.
by ochotona
Wed Nov 20, 2019 9:05 pm
Forum: Cash
Topic: Ally Bank No Penalty CD
Replies: 18
Views: 12787

Re: Ally Bank No Penalty CD

by ochotona
Tue Nov 19, 2019 2:09 pm
Forum: Permanent Portfolio Discussion
Topic: 600 Members Coming Up
Replies: 52
Views: 12879

Re: 600 Members Coming Up

I predict gold dumps to $1377.50, and we don't increase members
by ochotona
Tue Nov 19, 2019 6:27 am
Forum: Stocks
Topic: Stock and ETF brokerage costs plunge
Replies: 60
Views: 29662

Re: Stock and ETF brokerage costs plunge

"Self-Directed Trading

$0 commissions.

That's right – you can trade commission-free with Ally Invest Self-Directed Trading."


A unit of Ally Bank, of course.
by ochotona
Sun Nov 17, 2019 12:45 pm
Forum: Other Discussions
Topic: Privacy terms - Google Drive vs OneDrive
Replies: 43
Views: 666

Re: Privacy terms - Google Drive vs OneDrive

Few emails, and I handle them once, quickly, decisively.