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Re: Vanguard states ERs to 3 places!

Nisiprius,

I think the subject heading of your post is a bit misleading.

I was expecting to see something like TSM ER = 0.047% or .053%. My 401K does that (in some places).

I was all set to start updating my spreadsheet!
by Boglenaut
Sat Jan 03, 2015 2:14 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard states ERs to 3 places!
Replies: 26
Views: 2886

Re: I think I just got a $5,000 watch for Christmas

Closure at last!

The earth can now stop spinning in a shallow dark eerie void, and be now filled with happiness and warmth.

Congratulations

(PS - no watch here...no cell phone either.)
by Boglenaut
Thu Dec 25, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 906
Views: 173345

Re: Get up to $30 back per Amex card (Small Business Sat, 11

Thanks for the heads-up on this. I registered my Costco card by phone last night (did not want to set up yet another online account and password). I went to 3 places on the list today so let's hope all goes smoothly. The last place was a grocery store I usually buy craft beer at but never ever food...
by Boglenaut
Mon Dec 15, 2014 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8278

Re: Who Paid for the wedding?

anonforthis wrote:We eloped


Same here. Best way to go! We never regretted it for a second.
by Boglenaut
Sun Dec 07, 2014 12:28 am
 
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 6698

Re: Any great YouTube clips (about investing)?

Are those great animations by Boglenaut available? NO, darn it... too bad, those were funny (and true). Oh, I had some account changes on YouTube account and they came down about a year or two ago so I could clean things up. They were no longer getting any hits by then so no one noticed. I still ha...
by Boglenaut
Sun Dec 07, 2014 12:24 am
 
Forum: Investing - Theory, News & General
Topic: Any great YouTube clips (about investing)?
Replies: 9
Views: 1218

Re: I need to stop looking at the market everyday!

I check 10 times a day just because I enjoy it. However, I do not take any action unless it triggers a re-balancing threshold.
by Boglenaut
Tue Dec 02, 2014 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: I need to stop looking at the market everyday!
Replies: 36
Views: 3744

Re: Get up to $30 back per Amex card (Small Business Sat, 11

Thanks for the heads-up on this. I registered my Costco card by phone last night (did not want to set up yet another online account and password). I went to 3 places on the list today so let's hope all goes smoothly. The last place was a grocery store I usually buy craft beer at but never ever food ...
by Boglenaut
Sat Nov 29, 2014 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8278

Re: Documentaries to recommend?

The Galapagos Affair: The Unsolved Murder Mystery I watched it on Netflix recently. From NYT: http://www.nytimes.com/2014/04/04/movies/galapagos-affair-historical-documentary-of-island-expats.html?_r=0 The movie focuses on the eccentrics who, beginning in 1929, settled on Floreana, a small, uninhabi...
by Boglenaut
Sat Nov 29, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 109
Views: 12675

Re: Am I being too conservative at 65/35?

I think in your situation, 65/35 is conservative, but if it fits your risk tolerance profile you should stick with it. It is certainly in the "reasonable" range.

Think of it this way: you have over 1.1 MILLION in the stock market!

That's plenty of room for growth.
by Boglenaut
Fri Nov 28, 2014 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I being too conservative at 65/35?
Replies: 24
Views: 4108

Re: Should 529s be counted part of our net worth?

I think technically it should be counted, but we purposefully do not count it as part of the "Magic Number". It's for the kids, not my wife and I. Psychologically, it is not our money.
by Boglenaut
Fri Nov 28, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should 529s be counted part of our net worth?
Replies: 34
Views: 2590

Re: What percent "Boglehead" are you?

Here are past polls that may be of interest:

viewtopic.php?f=10&t=47294

I also had a poll like this, but could not find it in my search.
by Boglenaut
Mon Nov 24, 2014 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10242

Re: Telephone Calls! Help! [Stopping telemarketing calls]

Just an update... I'd say my problem is 85% solved by this. A few rings and most get cut off. Pretty good for a free solution!
by Boglenaut
Mon Nov 24, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 9383

Re: Girlfriend with a LOT of Student debt.

So far her philosophy has been to not let the debt ruin her life. She talks of trips to Europe, and seems to be ok with paying it off slowly over the next 20-25 years until forbearance. This stresses me out. Does she know what it is doing to your life? She does not seem to be in tune with your feel...
by Boglenaut
Mon Nov 24, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13772

Re: Girlfriend with a LOT of Student debt.

I agree with JupiterJones above. How she views debt is as much of her personality as anything else. It's reasonable to consider that in a potential mate just as much as if you had strong opposing religious views, or one was a couch potato homebody and the other was a sky-diving adventure seeker. It ...
by Boglenaut
Mon Nov 24, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13772

Re: BOGLEHEAD CONTEST -- S&P at record high.

cfs wrote:Long way to go

392
cfs
2076.44


I'll be delighted if you win.
by Boglenaut
Wed Oct 15, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 3980

Re: BOGLEHEAD CONTEST -- S&P at record high.

I was just thinking how lucky we are my prediction is off. My prediction was the market would dip and we would be lucky to close the year essentially unchanged. Do I lose my prediction certificate? The year is yet young, you could still be right! Unfortunately, the index is at 1856.18 right now, me...
by Boglenaut
Wed Oct 15, 2014 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 3980

iOS 8 on iPad 2

Just to give everyone a heads up.. I installed iOS 8 on my iPad 2 and now I get multiple apps crashing. My USA Today app crashes 100% of the time now.

I suggest waiting a bit before upgrading.
by Boglenaut
Wed Sep 17, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 on iPad 2
Replies: 4
Views: 2013

Re: Feeling smug until 10 year ROR from Vanguard

Mine shows 12.6% (no time period specified).

I never bothered to check it before given that it is a meaningless number.
by Boglenaut
Sat Sep 13, 2014 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 8022

New Roof Needed Soon... Advice?

My house was built in 1995 or 1996 and the original roof is started to show its age. I have one spot that needs repaired every two years or so (including right now). So, I know the day is coming for a full replacement. I live in a Northern US climate. Any general advice? What to expect? Best way to ...
by Boglenaut
Thu Sep 11, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 3100

Re: POLL: What was the first stock you ever bought?

I never bought an individual stock.

I did have ETFs VSS, EWC, and VWO at one time, but since have sold them to buy VTIAX once it re-organized and now stick to mutual funds (mostly admiral index funds).
by Boglenaut
Thu Sep 04, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 3074

Re: Why do we tip restaurant servers?

As a customer, I'd rather pay more fixed price and have no tipping (as long as net income to the wait staff remain the same). It's very distracting from an enjoyable evening worrying that I under-tipped or over-tipped. I actually prefer places where you order at a counter so no tipping. I do things ...
by Boglenaut
Fri Aug 22, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2453

Re: Dow Jones Index Fund?

I really wish they would quit reporting the Dow Jones completely... such an inferior index.
by Boglenaut
Tue Aug 19, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: Dow Jones Index Fund?
Replies: 42
Views: 2779

Re: Defining "Stay the Course"

cfs, I like the idea "course correction."

nisiprius, I would be on the second line.
by Boglenaut
Tue Aug 19, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 41
Views: 3857

Re: US REITs already have international exposure

US REITs already have international exposure It works the other way around as well. When I researched the international REIT fund, one of the biggest holdings was Westfield, which is an Australian REIT that owned the mall down the street from me. Seemed silly to pay a premium to invest in a mall a ...
by Boglenaut
Tue Aug 19, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: US REITs already have international exposure
Replies: 14
Views: 1303

Defining "Stay the Course"

I am a pretty consistent Boglehead with a plan and am good at mainly sticking to it. But I just had a job-related life event that suddenly changed my risk profile. As a result, I moved my 4% allocation of High Yield bond fund to intermediate bonds. I know there has been a flow recently out of high y...
by Boglenaut
Tue Aug 19, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 41
Views: 3857

Re: "Our life is frittered away with detail."

I have one credit card. I would rethink that one if I were you, Taylor. We used to have just one card. Then when hackers stole the number from a data center 3 times in 5 months, we got a second card. If you have one card, are you prepared to live on no card at all at a moment's notice? At least tha...
by Boglenaut
Tue Aug 19, 2014 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 123
Views: 76709

Re: Savings Percentage [rules of thumb]

My wife and I are subscribers to the bogleheads / LBYM philosophy, but as a metrics guy I'm interested to get a better understanding of the rule of thumb that I hear regarding what percentage of earnings we should be saving. NTIG Ignore rules of thumb about what percentage of pay you should be savi...
by Boglenaut
Sat Aug 16, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Percentage [rules of thumb]
Replies: 49
Views: 5857

Re: Telephone Calls! Help!

NOMOROBO. It works. You get one ring...if the caller is a robocaller or telemarketer, no more rings...but you can check it on caller ID. I eliminated at least 5 calls per day. Oh ---- and it is FREE. OK, I just set it up. I'll report back my results after some time. So far, I got about 4 junk calls...
by Boglenaut
Fri Aug 15, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 9383

Re: [Poll] How I Feel When I Think about Investing, etc.

Thanks for the responses. This is what I expected, but I wasn't sure since as far as I know no one asked this question before. :sharebeer
by Boglenaut
Fri Aug 15, 2014 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2504

Re: How to value house with unwanted tennis court

I bet this house won't sell for a while. I would be careful to not bid too high on it and be prepared to walk away.
by Boglenaut
Fri Aug 15, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: How to value house with unwanted tennis court
Replies: 24
Views: 2370

Re: Telephone Calls! Help!

NOMOROBO. It works. You get one ring...if the caller is a robocaller or telemarketer, no more rings...but you can check it on caller ID. I eliminated at least 5 calls per day. Oh ---- and it is FREE. OK, I just set it up. I'll report back my results after some time. So far, I got about 4 junk calls...
by Boglenaut
Wed Aug 13, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 9383

[Poll] How I Feel When I Think about Investing, etc.

When I think about investing, retirement planning, personal finances, etc (the types of topics generally discussed on this board), I actually find it fun and interesting. It is a hobby that relaxes me and I like reading about it here or going to local chapter meetings to discuss it. I spend so much ...
by Boglenaut
Wed Aug 13, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2504

Re: Why is Germany such a small part of European Index Funds

I asked that same question a few years ago, but for some reason cannot find that thread. :confused :?: :confused
:?:
by Boglenaut
Mon Aug 11, 2014 6:27 am
 
Forum: Investing - Theory, News & General
Topic: Why is Germany such a small part of European Index Funds?
Replies: 6
Views: 962

Re: Going 60+% international? (US resident)

Cost is higher. Assuming

VTSAX .05%
VTIAX .14%

So if you invest 100K, your weighted average goes up from $95 to $104 per year.

{Darn it Vanguard! This used to be my best argument against over-weighting international! ;) )
by Boglenaut
Fri Aug 08, 2014 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 85
Views: 7020

Re: Timing Belt Change - Months or Miles if car is old?

Thanks for this thread. I reviewed my owners manual and saw I was 3 years overdue (but plenty of miles left). I plan to keep the car for 5 more years so got it done (friend had really good coupon too). $459 including water pump.. fluids, other belts, etc.
by Boglenaut
Fri Aug 08, 2014 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 81
Views: 9302

Re: Telephone Calls! Help! [Telemarketing phone calls]

Oddlot wrote:Why, in this age of caller ID, would anyone ever answer a phone call unless it is someone they know?



Job search. I kept hanging up on a legit caller once. Oops.
by Boglenaut
Fri Aug 08, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 9383

Re: Telephone Calls! Help!

Igglesman wrote:NOMOROBO. It works. You get one ring...if the caller is a robocaller or telemarketer, no more rings...but you can check it on caller ID.
I eliminated at least 5 calls per day.

Oh ---- and it is FREE.


OK, I just set it up. I'll report back my results after some time.
by Boglenaut
Fri Aug 08, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 9383

Re: How do you address your inlaws and being addressed?

My in-laws and I do not speak the same language and we never met (I can't go there and they cannot come here easily).

They are perfect and they think I am perfect. Life is good! :)
by Boglenaut
Fri Aug 08, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 5250

Re: The Worst Investment You Can Make: Buying a Home

Buying a home is not an investment.
by Boglenaut
Fri Aug 08, 2014 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 17083

Re: Telephone Calls! Help!

Those auto-dialers with spoofed call ID are now common. They are destroying the phone system. Now they spoof your neighbors' numbers. I can block 30 numbers, but that's whack-a-mole.
by Boglenaut
Thu Aug 07, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 9383

Re: How Much Did You Lose Today?

1.1%. I had just done a minor rebalancing on Monday.
by Boglenaut
Fri Aug 01, 2014 7:34 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15934

Re: Solar Farm, anybody buy in?

I work with buildings and Owners in many states, we are really lucky here. Its tough to get up it arms with energy cost when your property tax bill is 2x your energy cost :annoyed Breaks out calculator. 3x, do I hear more? Golly, at least 6 to 8 times. My electric bill last month was $54. My proper...
by Boglenaut
Fri Aug 01, 2014 6:31 am
 
Forum: Personal Consumer Issues
Topic: Solar Farm, anybody buy in?
Replies: 53
Views: 4049

Re: Solar Farm, anybody buy in?

joe8d wrote:We are going to be getting a Solar Farm here.



How will they get the snow off of the panels in the summer?


;)



Manufacturing the panels in Buffalo sure makes sense, but I don't know if it has ever been sunny in Buffalo when I've been there.
by Boglenaut
Fri Aug 01, 2014 6:28 am
 
Forum: Personal Consumer Issues
Topic: Solar Farm, anybody buy in?
Replies: 53
Views: 4049

Re: Predict: S&P Doubles or Halves First?

I noticed a similar topic today, so thought I'd update on this. S&P is at 1985.61 right now, so it has not yet doubled or halved.... but it is definitely closer to doubling.
by Boglenaut
Wed Jul 23, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: Predict: S&P Doubles or Halves First?
Replies: 36
Views: 2971

Re: Boglehead Rules Of Thumb To Investing?

Nerdicus wrote:2.) The three-fund portfolio


While Bogleheads generally seem to respect those who choose this path, I think they by would by no means considers it a Boglehead rule of thumb. It's part of keeping things simple, but 4 or 6 fund portfolios can also do this as well.
by Boglenaut
Sat Jul 12, 2014 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead Rules Of Thumb To Investing?
Replies: 23
Views: 3428

Re: It is time to retire when you .......

...when your spouse starts his/her career.

Well, maybe not right away, but as she gains experience and seniority it will definitely be a factor.
by Boglenaut
Fri Jun 20, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 10371

Re: Location does matter when measuring asset allocation

From a theoretical viewpoint it makes sense to account for location; from a practical viewpoint I found it is not so easy. I tried early on to weigh my allocations but in reality there are too many unknowns... what is my future tax rate, etc. So, I do not weigh them, but do mentally account that I k...
by Boglenaut
Fri Jun 20, 2014 8:31 am
 
Forum: Investing - Theory, News & General
Topic: Location does matter when measuring asset allocation
Replies: 45
Views: 3181

Re: Cutting the cable cord - how did you do it?

I cut it Halloween 3.5 or 4.5 years ago. At first we went just with Over the Air. it was a lot better that before the digital conversion... I got 4 to 8 PBS channels depending on conditions, plus other channels as well. The true High Def channels looked better than the cable channels as far as quali...
by Boglenaut
Sat Jun 14, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4966
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