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Re: Fund Prospectus from Vanguard

This time the HSA sent me a new prospectus, I recognized it instantly. I'm getting brighter by the day. :)
by LazyNihilist
Tue Oct 14, 2014 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: Fund Prospectus from Vanguard
Replies: 6
Views: 713

Re: Fund Prospectus from Vanguard

Ok, I'm just stupid. Didn't read the address on the envelope properly.
These prospectus was sent by my HSA brokerage. I totally forgot about them. I set them up a year back, and I got prospectus now.
:oops: :oops: :oops:
by LazyNihilist
Tue Oct 07, 2014 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: Fund Prospectus from Vanguard
Replies: 6
Views: 713

Re: Fund Prospectus from Vanguard

Just called Vanguard and they don't know why I was sent these either. They asked me to check my account online regularly and report any activities I find suspicious.
by LazyNihilist
Tue Oct 07, 2014 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: Fund Prospectus from Vanguard
Replies: 6
Views: 713

Fund Prospectus from Vanguard

Received a Short-Term Investment Grade Fund Prospectus and Vanguard Corporate Bond Funds Report in the mail from Vanguard today. I usually receive a prospectus only for the funds I buy, and I don't have either of these. I quickly verified my accounts online to see I didn't purchase any of these or a...
by LazyNihilist
Mon Oct 06, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Fund Prospectus from Vanguard
Replies: 6
Views: 713

Re: EmergDoc has Surpassed 10,000 posts!

Emergdoc- I wanted to add my thanks for your contributions. During the dark days of 2008-2009 your voice was one of reason and calm. I seem to remember you rebalancing into REITs (?) while holding your nose! You led by example. That helped reinforce what I knew to be true: Invest we must. Many than...
by LazyNihilist
Tue Sep 30, 2014 6:02 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: EmergDoc has Surpassed 10,000 posts!
Replies: 32
Views: 3069

Amazon's new e-reader Kindle Voyage

Amazon just unveiled their new e-reader Kindle Voyage. Starts shipping October 21st, you can pre-order it now. It looks great. Has improved resolution of 300 dpi, an adaptive front light and buttons for page turning. The only sticking point is the price. The Wi-Fi only with special offers is $199. S...
by LazyNihilist
Thu Sep 18, 2014 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Amazon's new e-reader Kindle Voyage
Replies: 11
Views: 1311

Re: Alibaba is NOT coming to an index near you

Interesting. Would it be included in either CRSP US Total Market Index OR FTSE Global All Cap ex US Index?
by LazyNihilist
Mon Sep 15, 2014 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: Alibaba is NOT coming to an index near you
Replies: 33
Views: 3680

Re: Your biggest "Missed Money" event that still kills you?

A few years back, put money on Red instead of Black at the roulette table.
by LazyNihilist
Tue Aug 19, 2014 9:46 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8350

Capital One BuyPower Card with 5% Earnings

Received a promotional offer from Capital One BuyPower Card with 5% Earnings for first $5000 and 2% for the remaining money spent. I was delighted and was about to apply for it when somewhere deep inside the fine print was a line '*Earnings can be used toward a new Chevrolet, Buick, GMC or Cadillac ...
by LazyNihilist
Sun Aug 17, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Capital One BuyPower Card with 5% Earnings
Replies: 1
Views: 773

Re: Berkshire Hathaway - Warren Buffett - Anyone own the sto

I own a single share of BRK.B. That's all I need to get 8% off my Geico premium! Is this true? I use GEICO for all my insurance. After reading this I immediately got 1 share of BRK.B and received a 1.6% discount from Geico Auto Insurance. Was expecting 20% :greedy , but was already getting around 1...
by LazyNihilist
Sun Aug 17, 2014 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway - Warren Buffett - Anyone own the stock?
Replies: 110
Views: 9701

Re: Verizon Issue advice

Sorry about your mother.
I've had similar experience with Verizon billing/customer service. After I cancelled my account, I had to call them at least 4-5 times to get back the money I was owed.
I find having a prepaid service avoids lots of hassle. I am on T-Mobile pay as you go and it works good.
by LazyNihilist
Fri Jul 25, 2014 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Verizon Issue advice
Replies: 16
Views: 1304

Re: TV show recommendations?

Just started The Wire (from Netflix).Thanks to those who recommended it Wow, I was not hooked until I got into the 2nd season. In the first season, I could barely comprehend what was going on, mainly due to the difficulty of understanding both the words of the dialog and their meaning (lots and lot...
by LazyNihilist
Mon Jun 09, 2014 10:35 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 143067

Re: I've Got $100K -- Where To Start?

Faith20879 wrote:Hello Welcome!

We have a wonderful section in the Wiki http://www.bogleheads.org/wiki/Getting_started that you might find useful.


It is very important to follow the 1st step of that page.

Develop a plan.

This will help you understand how to invest the money you have.
by LazyNihilist
Fri May 30, 2014 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: I've Got $100K -- Where To Start?
Replies: 39
Views: 4465

Re: Mariket timing

Lots of great posters who contribute less frequently as well. It's the overall forum and civil discussion that makes it a great forum. The only downside I see to the forum is, not diverse enough investing strategies are discussed. All biased towards index investing and not enough market timing stra...
by LazyNihilist
Fri May 30, 2014 4:50 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9656

Re: Who are the BogleHeads.org heavyweights?

Lots of great posters who contribute less frequently as well. It's the overall forum and civil discussion that makes it a great forum. The only downside I see to the forum is, not diverse enough investing strategies are discussed. All biased towards index investing and not enough market timing strat...
by LazyNihilist
Fri May 30, 2014 4:26 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9656

Re: Computer security -- a paradigm shift?

Lots of great information in this thread. Analogous to investing, where everyone should have a plan suited to their needs. Computer security, everyone should tailor their security setup according to their requirements. Companies/Governments have different security requirements to individuals. And th...
by LazyNihilist
Tue May 06, 2014 6:35 pm
 
Forum: Personal Consumer Issues
Topic: Computer security -- a paradigm shift?
Replies: 51
Views: 4828

Re: Domestic vs. International Stock Allocation ?

I settled on a 65% domestic/35% international stock allocation many years ago and I have found no reason to change. We settled on something pretty close. 66.6% domestic/33.3% international. Easy to check if domestic is roughly double international to make sure things are balanced. I do 62% domestic...
by LazyNihilist
Fri Mar 28, 2014 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: Domestic vs. International Stock Allocation
Replies: 37
Views: 5089

Re: How much internet speed is enough?

I wish Google Fiber comes to my place ASAP.
The other ISP's are really gouging their customers. :annoyed
by LazyNihilist
Thu Mar 20, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: How much internet speed is enough?
Replies: 21
Views: 1691

Re: Replacement for Windows XP Computer

If possible get a Ubuntu or Linux Mint Live CD and try it out. You might like it.
by LazyNihilist
Wed Mar 19, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 5294

Re: ANY secure Internet access while traveling?

The answer is probably no, but I'll ask anyways... If I have Hamachi Logmein installed on a PC acting as the server, can a Nexus 7 tablet running OpenVPN connect to the VPN network I setup on the Hamachi based PC? Not sure how logmein works. But I have an OpenVPN server setup @ home and can connect...
by LazyNihilist
Wed Mar 19, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: ANY secure Internet access while traveling?
Replies: 54
Views: 3976

Re: ANY secure Internet access while traveling?

I'd recommend looking for established OpenVPN providers within US. Once you connect your computer to the provider using OpenVPN, the network should be pretty secure. The danger is using untrusted devices (computer/smartphone) to login to your accounts. In that case an OpenVPN is not of much help if ...
by LazyNihilist
Wed Mar 19, 2014 12:41 am
 
Forum: Personal Consumer Issues
Topic: ANY secure Internet access while traveling?
Replies: 54
Views: 3976

Re: Confession: I bought a stock. What is wrong with me?

As long as the 'fun' money doesn't exceed 5% of the Total Portfolio, i'd say go for it. If there are any gains, it's good. If the stock drops, it's a good lesson to stick to index funds. :happy
by LazyNihilist
Sun Mar 16, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confession: I bought a stock. What is wrong with me?
Replies: 68
Views: 5903

Re: Bogle & [NY] Subway [Train]

Actions speak louder than words. These are the things that make me trust Bogle and Vanguard. I hope Vanguard always has good leaders.
by LazyNihilist
Sat Mar 15, 2014 5:18 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Bogle & [NY] Subway [Train]
Replies: 31
Views: 6427

Re: Cruel math [x% loss requires x+% gain to get even]

To make up an x% loss requires a gain of x/(1-(x/100)) % Making use of that formula, making up for a 200% loss requires a further loss of 200% :mrgreen: I should've put "where x < 100". For making up for a 200% loss I have a "special" formula given to me by a Nigerian Prince. I ...
by LazyNihilist
Wed Feb 26, 2014 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Cruel math [x% loss requires x+% gain to get even]
Replies: 35
Views: 3503

Re: Cruel math [x% loss requires x+% gain to get even]

To make up an x% loss requires a gain of
Code: Select all
 x/(1-(x/100)) %
by LazyNihilist
Wed Feb 26, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Cruel math [x% loss requires x+% gain to get even]
Replies: 35
Views: 3503

Re: Is my return correct?

Thanks #Cruncher. Your detailed explanation and calculations are very helpful as always.
by LazyNihilist
Sat Jan 18, 2014 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is my return correct?
Replies: 6
Views: 813

Re: Is my return correct?

I like XIRR. I think it gives a good number to compare against other fund returns or interest rates.
by LazyNihilist
Sat Jan 18, 2014 2:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Is my return correct?
Replies: 6
Views: 813

Re: Why Vanguard is a Role Model for the Fund Industry

I hope another Mutual Fund company with Vanguard's ownership structure becomes popular. That way Vanguard has good competition.
Right now Vanguard is great and I have 'almost nothing' to complain about. But having another Mutual Fund company wouldn't hurt. :happy
by LazyNihilist
Tue Jan 14, 2014 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: Why Vanguard is a Role Model for the Fund Industry
Replies: 10
Views: 1420

Re: Should my son pay me rent, utilities, etc...?

Don't charge him anything. In fact if it was me, I would give my kids some extra money to stay with me. Always nice to have kids stay with parents if they are happy. Is your son happy with his job? If he is happy, then he can continue working there, if not, community college is a good idea. I don't ...
by LazyNihilist
Tue Jan 14, 2014 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my son pay me rent, utilities, etc...?
Replies: 124
Views: 10382

Re: What Book Are You Currently Reading? Part V

“When I look at myself, yeah, I am driven by money,” he said. “I like many creature comforts. I want to make sure I take care of my kids well and so on and so forth. And when I live in this society you do get fairly materiliastic, so I look at that. I am disappointed.I am probably more materialisti...
by LazyNihilist
Tue Jan 07, 2014 12:30 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1190435

Re: free annual credit report

I applied for the Walmart Credit Card. You get your Credit Score for free with this. I think someone mentioned this on a different thread :beer
by LazyNihilist
Wed Jan 01, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: free annual credit report
Replies: 8
Views: 867

Re: Help with selecting from the following funds in HSA

Did you want to try this yourself using M*'s instant X-ray with some guidance in the wiki? See: How to build a lazy portfolio Thanks LadyGeek. M* is constantly prompting me to sign up if I need to use anything a little advanced. I will consider this as part of my bond holding and hope it keeps clos...
by LazyNihilist
Fri Dec 20, 2013 1:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with selecting from the following funds in HSA
Replies: 6
Views: 335

Re: Help with selecting from the following funds in HSA

stlutz wrote:Yes, use short-term investment grade and count that as part of your overall bond allocation.


Thanks stlutz. I will do that.
by LazyNihilist
Fri Dec 20, 2013 1:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with selecting from the following funds in HSA
Replies: 6
Views: 335

Re: Help with selecting from the following funds in HSA

mhc wrote:Obviously, the Vanguard fund is the lowest cost. In general, HSA accounts don't have that much money, so it's not a big deal.


That's true. Not too much money in HSA. So not too worried about trying to get exactly what I want.
My 401k has very good options so am happy there.
by LazyNihilist
Fri Dec 20, 2013 1:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with selecting from the following funds in HSA
Replies: 6
Views: 335

Help with selecting from the following funds in HSA

I invest in a typical Bogleheads fashion with 4 funds in my portfolio of VTSMX/VGTSX/VBMFX/VIPSX. And I like to keep it simple. I now have the following fund options in my HSA. Please help selecting from the below mutual funds. VFSTX 0.20% Vanguard Short Term Investment Grade HABDX 0.55% Harbor Bond...
by LazyNihilist
Thu Dec 19, 2013 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with selecting from the following funds in HSA
Replies: 6
Views: 335

Re: Mega Millions jackpot to $636 million

And here's the token downer post! Odds of winning Mega Millions: 1 in 259 million. You have a better chance of: Getting canonized: 1 in 20 million Becoming an astronaut: 1 in 13 million Dying from parts falling off an airplane: 1 in 10 million Getting a royal flush in the first hand: 1 in 649,740 G...
by LazyNihilist
Wed Dec 18, 2013 8:54 pm
 
Forum: Personal Consumer Issues
Topic: Mega Millions jackpot to $636 million
Replies: 82
Views: 4281

Re: Correlation Between Work, Happiness, and Investing

Coincidentally I ran across this video yesterday about happiness research. He figured out the four best factors to concentrate on while building a happiness portfolio. :happy http://www.youtube.com/watch?v=sDH4mzsQP0w Looks more like a propaganda video. Very unconvinced and I strongly disagree with...
by LazyNihilist
Wed Dec 18, 2013 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Correlation Between Work, Happiness, and Investing
Replies: 25
Views: 2631

Re: Correlation Between Work, Happiness, and Investing

The key to happiness is low expectations. :happy
by LazyNihilist
Wed Dec 18, 2013 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Correlation Between Work, Happiness, and Investing
Replies: 25
Views: 2631

Re: Any bogleheads work "for the dark side"?

I worked for Burger King. I knew the food I was making was not healthy. Do I qualify as working "for the dark side"? :wink:
by LazyNihilist
Sun Dec 15, 2013 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Any bogleheads work "for the dark side"?
Replies: 36
Views: 4188

Re: Beating the S&P with minimal taxes

Hi Ken, Here is a related thread I created earlier. The aim was to see if there was a way to beat an Index fund. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=117601 And here is grabiner's great post that sort of states what you are currently doing and how it is possible to beat any index...
by LazyNihilist
Mon Dec 09, 2013 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: Beating the S&P with minimal taxes
Replies: 46
Views: 2764

Re: Best overall fund (Vanguard) for savings

Put it in Vanguard LifeStrategy Moderate Growth Fund (VSMGX). If you want a "single" fund, this is the best fund out there.
If you want be a little more hands on, then you can actually split the money into Total US Stocks/Total Int Stocks/US Bonds.
by LazyNihilist
Sun Dec 08, 2013 12:34 am
 
Forum: Investing - Theory, News & General
Topic: Best overall fund (Vanguard) for savings
Replies: 7
Views: 1329

Re: Bogle's basics: 12 letter strategy

Needs international. Somewhere between 30 to 50% of Stocks. The rest looks good.
by LazyNihilist
Wed Dec 04, 2013 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Bogle's basics: 12 letter strategy
Replies: 8
Views: 1839

Re: Tax advantage accounts maximum contribution

It gets you tax deferral of earnings. A little confused by this. So I can contribute $x of after-tax money to a 401k and I can 'trade' on that money without needing to pay any taxes until I start withdrawing from it? If that is the case, how do I keep this after-tax contribution 'separate' from the...
by LazyNihilist
Wed Nov 27, 2013 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Tax advantage accounts maximum contribution
Replies: 35
Views: 1567

Re: Vanguard to receive International WIre Xfers?

Last time I did an international wire transfer, the fees was $45. :annoyed
by LazyNihilist
Wed Nov 27, 2013 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard to receive International WIre Xfers?
Replies: 13
Views: 939

Re: VTSMX or what

Hey guys, I am retired and want to try a little investing on my own, thinking of VTSMX about $7000.00 also another fund that will offset and not overlap the VTSMX not sure which one(s) Should a retired person 73 years old be investing in this fund, or should I be looking elsewhere ? Please let me k...
by LazyNihilist
Wed Nov 27, 2013 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSAX VS. VTSMX [Investor vs. Admiral, Portfolio Help]
Replies: 10
Views: 1301

Re: Tax advantage accounts maximum contribution

Don't forget that in many 401K plans you can contribute after tax contributions up to the 51K limit. I do. There are a few good reasons to do this. What reasons would you have to contribute 'after-tax' to a 401k plan? Is it better fund choices in 401k? Would you do that if you have Roth IRA space l...
by LazyNihilist
Wed Nov 27, 2013 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: Tax advantage accounts maximum contribution
Replies: 35
Views: 1567

Re: Tax advantage accounts maximum contribution

Thanks for the replies.
by LazyNihilist
Wed Nov 27, 2013 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: Tax advantage accounts maximum contribution
Replies: 35
Views: 1567

Re: Tax advantage accounts maximum contribution

If a person can contribute max. of $17,500 and if the total of employer contribution should not exceed $51,000. Are there instances where employers contribute $33,500?
by LazyNihilist
Tue Nov 26, 2013 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Tax advantage accounts maximum contribution
Replies: 35
Views: 1567
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