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by Boglenaut
Wed May 27, 2015 5:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard looking to license its ETF patent
Replies: 8
Views: 1008

Re: Vanguard looking to license its ETF patent

Thanks for pointing this out. The link takes me to a different place now. Either way, a Google or DuckDuckGo search of ETF Vanguard Patent searches in the last week will find you stories about this. I first saw it on the Vanguard iPad app for advisers. I am not an adviser, but like to read the news ...
by Boglenaut
Wed May 27, 2015 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a "free" PhD program is around half a million? How does anyone afford this?
Replies: 86
Views: 5424

Re: Cost of a "free" PhD program is around half a million? How does anyone afford this?

I think you are confused by the meaning of the word "afford". If you are single and making 20K, it is quite affordable. Now you do have financial tradeoffs. So are you willing to make sacrifices? I think at that point it is not simply an economic decision as much as philosophical. What do ...
by Boglenaut
Wed May 27, 2015 1:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard looking to license its ETF patent
Replies: 8
Views: 1008

Vanguard looking to license its ETF patent

I saw this on a Vanguard site initially, but surprisingly I did not see it on Bogleheads yet: http://www.ft.com/cms/s/0/3e0cc962-ec0c-11e4-b428-00144feab7de.html#axzz3bMiI2xVw "Vanguard is considering letting others in on its exclusive right to offer exchange traded funds as a share class of ex...
by Boglenaut
Mon May 25, 2015 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: When is it safe to share financial details with gf, future wife
Replies: 53
Views: 4650

Re: When is it safe to share financial details with gf, future wife

When is it safe to share financial details with gf, future wife


It is safe when you do not need to ask "Is it safe?".

https://www.youtube.com/watch?v=kzw1_2b-I7A
by Boglenaut
Fri May 15, 2015 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Am I a Millionaire???
Replies: 53
Views: 6368

Re: Am I a Millionaire???

You are not (yet) a millionaire.
by Boglenaut
Fri May 15, 2015 9:28 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard's Web Site So Bad?
Replies: 64
Views: 5016

Re: Why is Vanguard's Web Site So Bad?

Pretty easy to find any Vanguard prospectus using Google search. http://lmgtfy.com/?q=Vanguard+Total+Stock+Market+Index+Fund+Admiral+Shares+Prospectus But what was the change? They e-mailed us to notify us of a change, so we need to re-read the entire prospectus every time? I definitely agree with ...
by Boglenaut
Fri May 15, 2015 8:51 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard's Web Site So Bad?
Replies: 64
Views: 5016

Re: Why is Vanguard's Web Site So Bad?

I agree with the OP about those silly e-mail messages from Vanguard telling us there has been a change, then giving us a useless link. They should give us a summary of what the changes were! A notification so vague is NOT a notification, and I have mentioned that problem that on this board as well. ...
by Boglenaut
Wed May 13, 2015 11:27 pm
Forum: Personal Consumer Issues
Topic: Home Internet - Cat 5e or Cat 6
Replies: 49
Views: 3142

Re: Home Internet - Cat 5e or Cat 6

Five years ago I used to have a coaxial cable bump under the carpet going to the TVs as well. That is long gone. Phone cords disappeared about 10 or 12 years ago, but we still have a plate on the wall in the kitchen. A dummy phone sits there just to cover it. What is it you are plugging in that need...
by Boglenaut
Wed May 13, 2015 11:11 pm
Forum: Personal Consumer Issues
Topic: Home Internet - Cat 5e or Cat 6
Replies: 49
Views: 3142

Re: Home Internet - Cat 5e or Cat 6

I couldn't even imagine running either Cat 5 or Cat 6. It just seems so 1990's.

I guess we have had better luck with WiFi.
by Boglenaut
Wed May 13, 2015 9:40 am
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9204

Re: I Hate Vacations

I traveled enough for work that my idea of vacation is to NOT get on a plane.
by Boglenaut
Sun May 10, 2015 10:12 am
Forum: Investing - Theory, News & General
Topic: Swedroe: Credit Risk Not Worth It
Replies: 43
Views: 5266

Re: Swedroe: Credit Risk Not Worth It

As if it weren't confusing enough to have Rick Ferri and Larry Swedroe, two people many of us look to for sage counsel, taking polar opposite views on this question, but they are both citing AQR papers as among their core references. Ferri cites this AQR paper: Investing with Style in Corporate Bon...
by Boglenaut
Sun May 10, 2015 7:18 am
Forum: Personal Consumer Issues
Topic: Somebody hit our parked car today!!
Replies: 21
Views: 3502

Re: Somebody hit our parked car today!!

I can't believe the person who hit your parked car left their information. They should get a medal. Same thing happened to me, I found the side of my car bashed in - it had been parked on the street in front of the house. The miserable wretch who did it left nothing. Cost me $1000 out of pocket bec...
by Boglenaut
Fri May 08, 2015 8:32 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 165
Views: 19814

Re: much ado about coasting (through life)

How people spend their lives is totally up to them, as long as they do not hurt others and fulfill any responsibilities they have.
by Boglenaut
Fri May 08, 2015 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Buying new car
Replies: 21
Views: 3196

Re: Buying new car

By the way, here is the Fargo reference (he does say a naughty word at the end):

https://www.youtube.com/watch?v=E5gwc4UizUc
by Boglenaut
Thu May 07, 2015 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car
Replies: 21
Views: 3196

Re: Buying new car

I went to the TrueCar site today, and they published the results for the week I bought my car. I paid about $700 less than the "Target Price" for that period. When looking at the local market, you can actually tell individual cars within a narrow range. I think one person paid slightly les...
by Boglenaut
Thu May 07, 2015 5:47 pm
Forum: Investing - Theory, News & General
Topic: McNabb op ed - possible 8% cash requirement
Replies: 33
Views: 2999

Re: McNabb op ed - possible 8% cash requirement

If all index funds had to hold 8% cash, then they are not index funds anymore. Active funds would also be constrained. It is frightening, but in that scenario a Boglehead would be better off buying 100 individual stocks and sampling from the index. Those with bigger portfolios would be able to sampl...
by Boglenaut
Wed May 06, 2015 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car
Replies: 21
Views: 3196

Re: Buying new car

Had to start the process all over again. Ended up confirming with the next dealer 3 times that the "OTD" price was the OTD price. It wasn't either. But "only" $200 more than I was quoted, and still pretty close to dealer #1. I hate the dealer system as well. I just bought a Hond...
by Boglenaut
Wed May 06, 2015 1:52 am
Forum: Personal Consumer Issues
Topic: 400lbs, delivery or pick up?
Replies: 63
Views: 3106

Re: 400lbs, delivery or pick up?

dolphinsaremammals wrote:they leave heavy packages against my outward opening only door.


This is a fire hazard. :shock:
by Boglenaut
Sat May 02, 2015 6:53 am
Forum: Personal Consumer Issues
Topic: Telemarketing by Cell /Increase with Consumer Cellular
Replies: 32
Views: 1713

Re: Telemarketing by Cell /Increase with Consumer Cellular

Someone on the forum suggested NoMoreRobo for landlines. It blocks about 90% of autodialed calls here after about 1 to 3 rings. You could see if they have a cell phone version. I do not own a cell phone. PS - the No Call List list still exists for landlines. The auto-dialers and others just ignore it.
by Boglenaut
Sat May 02, 2015 6:50 am
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 4725

Re: Oh yuck, what just happened to the font?

CTRL-SHIFT-R fixed the problem in my Firefox.
by Boglenaut
Sun Apr 26, 2015 2:09 pm
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 39
Views: 3044

Re: Overfilled Oil in Car - Cause of Oil Leak?

I'll miss that car. I had planned to keep it 3 or 4 more years.
by Boglenaut
Sun Apr 26, 2015 11:58 am
Forum: Personal Consumer Issues
Topic: Car Accident - Honda Civic for Replacement?
Replies: 13
Views: 1273

Re: Car Accident - Honda Civic for Replacement?

When I traveled on business I always tried to get a car in this size class so I could try them. The Ford Focus used to be absolutely terrible, but I was amazed at how much it improved the last time I drove one a few years ago. It's a nice car. I am still leaning to Civic, but would not rule a Focus ...
by Boglenaut
Sun Apr 26, 2015 11:02 am
Forum: Personal Consumer Issues
Topic: Car Accident - Honda Civic for Replacement?
Replies: 13
Views: 1273

Car Accident - Honda Civic for Replacement?

Our 2004 Honda Civic just got hit by someone who went through a red light (she told police she did, and two witnesses confirmed to police). I am 99% sure it is going to be declared totaled. So goodbye new tires and timing belt I just had replaced last summer. I really liked boring, reliable, economi...
by Boglenaut
Sat Apr 25, 2015 6:27 pm
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 39
Views: 3044

Re: Overfilled Oil in Car - Cause of Oil Leak?

This problem just went away. Someone ran a red light and I think the car will be declared totaled.

Both airbags went off and spun 180 degrees.
by Boglenaut
Fri Apr 17, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: Humorous Investing are Videos are Back Up!
Replies: 8
Views: 1464

Re: Humorous Investing are Videos are Back Up!

Boglenaut, I think it would be great if you brought him back in a new video, even build a series of videos around him. Unfortunately, I cannot make any more of the videos. The company went under, and it required an on-line log-in (even though it ran locally). I would have bought the software, excep...
by Boglenaut
Thu Apr 16, 2015 7:07 am
Forum: Investing - Theory, News & General
Topic: Humorous Investing are Videos are Back Up!
Replies: 8
Views: 1464

Re: Humorous Investing are Videos are Back Up!

pkcrafter wrote:Thanks for bringing these back--they are good.

Paul


Thanks. They were fun to make.
by Boglenaut
Wed Apr 15, 2015 10:04 pm
Forum: Investing - Theory, News & General
Topic: Humorous Investing are Videos are Back Up!
Replies: 8
Views: 1464

Humorous Investing are Videos are Back Up!

Hi Everyone, in 2011, I put some humorous videos up on YouTube that people seemed to like. I took them down about a year ago when I re-organized my YouTube account for my business. Now, I created a separate channel for my Boglehead videos: https://www.youtube.com/channel/UCSVGRtcipTGhvqHuTNoGaqg The...
by Boglenaut
Wed Apr 15, 2015 7:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 5360

Re: Favorite Boglehead Avatar?

I cannot believe no one said "Oblivious Investor's" yet. That is my favorite. He also uses it on his blog.

People won't undrstand mine unless they saw the videos I posted about 5 years ago.
by Boglenaut
Sat Apr 11, 2015 1:24 pm
Forum: Personal Consumer Issues
Topic: [Unclogging sewer line - is this technique worth?]
Replies: 11
Views: 1027

Re: Does anyone know about this?

PS - you may want to change your subject line to something more descriptive.
by Boglenaut
Sat Apr 11, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: [Unclogging sewer line - is this technique worth?]
Replies: 11
Views: 1027

Re: Does anyone know about this?

Make sure everyone is educated about not putting things down the toilet that do not belong. Only toilet paper and human waste. No baby wipes, for example.
by Boglenaut
Fri Apr 10, 2015 8:12 am
Forum: Personal Consumer Issues
Topic: Declining to continue Interview Process
Replies: 26
Views: 3265

Re: Declining to continue Interview Process

It's a company that I could see myself working for. In the mean time, things at my current employer took an unexpected turn for the good. The issues that were driving me to look outside not only resolved, but resolved in a completely unexpected and positive way. As of this time, there's no reason w...
by Boglenaut
Wed Apr 01, 2015 3:18 pm
Forum: Investing - Theory, News & General
Topic: News article: Vanguard Bets Big on Financial Advice
Replies: 24
Views: 3221

Re: News article: Vanguard Bets Big on Financial Advice

What an annoying website design. I left without reading anything.
by Boglenaut
Thu Mar 26, 2015 1:04 pm
Forum: Personal Consumer Issues
Topic: WSJ Delivery Record - Dismal
Replies: 25
Views: 2057

Re: WSJ Delivery Record - Dismal

The paper used to come around 4:00 or 4:30 AM. I'd get on an early flight and be happy to have the paper for the flight. Now it comes around 8:00 AM, maybe 7:30. I remember 20 years ago when I lived on the West Coast. My NYT would come at midnight or 12:30 AM and I would read the next day's paper be...
by Boglenaut
Thu Mar 26, 2015 8:34 am
Forum: Personal Consumer Issues
Topic: WSJ Delivery Record - Dismal
Replies: 25
Views: 2057

WSJ Delivery Record - Dismal

Anyone else have problems with the print edition of the WSJ? Here is my recent history. For Late, that means it arrived too late in the day for me to read it. Usually, this means I waited until 8:00 AM then finally left the house with no paper for the day. June 19 - Missed July 11 - Late, Delivered ...
by Boglenaut
Fri Mar 20, 2015 6:33 pm
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 4331

Re: Hearse as daily driver?

When I was in high school on the debate team, we drove to the competitions in a hearse. It was pretty cool, actually. :twisted:
by Boglenaut
Fri Mar 20, 2015 11:38 am
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 39
Views: 3044

Re: Overfilled Oil in Car - Cause of Oil Leak?

By the way, I hate working on handyman and automotive problems. To me, they are not fun like investing is.
by Boglenaut
Fri Mar 20, 2015 11:37 am
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 39
Views: 3044

Re: Overfilled Oil in Car - Cause of Oil Leak?

Sorry for the long delay in responding. I wanted time to see what happened. So I had the oil changed almost 5 weeks ago. I didn't check it then, but am assuming they were extra careful getting the level right (considering the manager and 3 others were looking at it). I checked the oil today and it i...
by Boglenaut
Tue Mar 17, 2015 9:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - The New Bond King - WSJ
Replies: 27
Views: 4477

Re: Vanguard - The New Bond King - WSJ

gkaplan wrote:
corner559 wrote:Unless you are a WSJ subscriber you can't read the article.


Just Google the title to bypass the WSJ paywall.


I did leave and used Google to get it. Even if I log in and out I still get the same link.

Anyone else want to try it?
by Boglenaut
Tue Mar 17, 2015 7:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - The New Bond King - WSJ
Replies: 27
Views: 4477

Vanguard - The New Bond King - WSJ

I think this story in tomorrow's WSJ is of interest:

Joshua Barrickman is the opposite of Bill Gross. But his Vanguard index fund is poised to become the biggest bond fund


http://www.wsj.com/articles/meet-the-ne ... 1426616391
by Boglenaut
Tue Mar 17, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 6133

Re: One Level or Two Level House

This may change as we get older, but for now having 2 stories is a real bonus for us. I wonder how many stairs I walked on days I would not have otherwise have exercised. It is small but adds up. Edit: You beat me to it! One advantage of a 2-story house is that climbing stairs strengthens your body,...
by Boglenaut
Sun Mar 15, 2015 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: What does a $1M portfolio look like?
Replies: 64
Views: 11304

Re: What does a $1M portfolio look like?

https://vanguardinstitutionalblog.files.wordpress.com/2015/02/revised_final-chart_2-26-15.png?w=688&h=425 [/quote] While I like the point he is trying to make and how he makes it, this particular example simply makes no sense to me at all. The numbers just don't add up correctly. :oops:
by Boglenaut
Thu Mar 12, 2015 10:22 pm
Forum: Investing - Theory, News & General
Topic: Ohio 529 Changes - More VG, DFA - Less PIMCO, GE
Replies: 1
Views: 404

Ohio 529 Changes - More VG, DFA - Less PIMCO, GE

It looks like Ohio's 529 plan may have three positive and one negative changes coming. Of course, we don't know all the details yet. http://www.collegeadvantage.com/blog/blog-detail/blog/2015/03/03/ohio-529-board-approves-investment-changes-in-college-savings-program?PostView=true Positives: Bond Fu...
by Boglenaut
Sun Mar 08, 2015 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing Costs for Internet Service Provider (ISP)
Replies: 10
Views: 1205

Re: Reducing Costs for Internet Service Provider (ISP)

Outlier. All2Easy dail-up, 56Kbps, $5/mo. That sounds painful. You also need to keep a phone line as well. I am at 15/1 Down/Up, phone US/Canada for $46.31 after all taxes and fees. Need to call and negotiate every year, and have competitor's offers handy. No monthly GB limit...we had a misundersta...
by Boglenaut
Sun Mar 08, 2015 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 4883

Re: I hate the new Vanguard Web navigation!!!

Don't go to Fidelity. Their new changes are awful.
by Boglenaut
Sat Mar 07, 2015 2:22 pm
Forum: Investing - Theory, News & General
Topic: What's with VG Complaints???
Replies: 42
Views: 3471

Re: What's with VG Complaints???

You can Google and find complaints about any company. I've had accounts at both Fidelity and Vanguard for years. I have no customer service complaints about either. Fidelity handled some really complicated items from me very well. Vanguard did as well. I am consolidating toward Vanguard, but that do...
by Boglenaut
Tue Mar 03, 2015 4:42 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 22069

Re: What are Costco's best deals?

I just ate one of the salmon burgers that someone recommended here. Not bad at all! Now time to pass out reading Bogleheads... They are good (Wild ones) I ate so many of those I cannot eat anymore. I'll let a year go by and try again. On a bun, and Foreman grill, they made a great healthy breakfast.
by Boglenaut
Sun Mar 01, 2015 3:02 pm
Forum: Personal Consumer Issues
Topic: Gift Ideas for Business Collaborators?
Replies: 1
Views: 180

Gift Ideas for Business Collaborators?

I am starting my own part-time business in the US. I have been working with a Canadian company in a mutually beneficial relationship. Two individuals there have been extremely helpful to me. I'd like to send them a small gift (maybe $100 total for both) just to show appreciation. Any ideas? They are...
by Boglenaut
Sat Feb 21, 2015 7:26 am
Forum: Personal Consumer Issues
Topic: University of Phoenix
Replies: 20
Views: 2501

Re: University of Phoenix

yellowgirl wrote:Would you hire a person that received a BA from University of Phoenix?


I might, but would consider this degree a negative (worse than no degree at all).
by Boglenaut
Thu Feb 19, 2015 10:31 am
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 8575

Re: The 8x retirement savings rule

zratis wrote:Recently I got an email from Fidelity about the "8x retirement savings rule", which is basically:

When you’re: Aim to have:
67 years old 8x your salary saved
55 5x
45 3x
35 1x

Is this realistic?


Such rules are totally meaningless and I wish companies would stop promoting them.
by Boglenaut
Thu Feb 19, 2015 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Throwing away the key to my accounts (kind of)
Replies: 12
Views: 939

Re: Throwing away the key to my accounts (kind of)

Today I am letting my wife change all my passwords on my investment accounts. If this is an account at Vanguard, it is actually against the rules. My wife and I only know our own passwords, not each others'. But we gave each other permission to control both accounts. So I can log on as me and see h...

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