Search found 47 matches
- Thu Jan 25, 2024 9:03 pm
- Forum: US Chapters
- Topic: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
- Replies: 429
- Views: 43345
Re: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
Happy 100th!
- Tue Aug 01, 2023 7:58 pm
- Forum: Investing - Theory, News & General
- Topic: US credit downgrade
- Replies: 130
- Views: 15828
Re: US credit downgrade
Reminds me of an opposite example, when Nobel committee awarded the prize to Einstein and gained credibility.
- Mon Apr 17, 2023 8:57 pm
- Forum: Personal Consumer Issues
- Topic: Passport Online Renewal in Jan - still not gotten my passport
- Replies: 33
- Views: 3204
Re: Passport Online Renewal in Jan - still not gotten my passport
We went into post office to apply for son on 02/21 and got it back today 04/17, exactly 8 weeks. (his old passport expired during pandemic, and due to his being a minor, online renewal was not an option)
- Sun Feb 26, 2023 7:52 pm
- Forum: Personal Investments
- Topic: Fidelity to Vanguard Question
- Replies: 21
- Views: 2562
Re: Fidelity to Vanguard Question
Fantastic! This riposte makes my day.UpperNwGuy wrote: ↑Sun Feb 26, 2023 5:58 pmBogleheads always give our opinions. Opinions are free. You shouldn't ask a question here without expecting a few opinions to be offered.
- Wed Nov 02, 2022 4:58 pm
- Forum: Personal Investments
- Topic: Can you buy more new ibond after selling older ones
- Replies: 2
- Views: 508
Re: Can you buy more new ibond after selling older ones
Thank you for the quick reply, brawlrats !
- Wed Nov 02, 2022 3:50 pm
- Forum: Personal Investments
- Topic: Can you buy more new ibond after selling older ones
- Replies: 2
- Views: 508
Can you buy more new ibond after selling older ones
Hi folks, I know that there is a limit to how much ibond I can buy each year. If I sell some older ones, can I buy more newer ones? In other words, is the annual limit applied to net purchase or new purchase? I'm thinking about the just announced 0.4% fixed rate. -Xin
- Mon Aug 30, 2021 11:43 am
- Forum: Personal Consumer Issues
- Topic: Do You Fix Dents & Scratches On Your Car?
- Replies: 59
- Views: 5251
Re: Do You Fix Dents & Scratches On Your Car?
There is no right answer. My vehicle is 20 years old. When the light hits her right, you can see the dimples from where acorns have battered her. But all in all she looks good and I detail her myself. A noticeable scratch or dent that bothered me, I'd fix since I like the way she shines in the sun. But for $2K, I think I'd pass on fixing her up to be pretty; in the end, we all start to look worn down and beat up. Like so many in my family, my aunt was a beautiful woman, but in her '80's she covered all the mirrors in her bathrooms so all she could see was her face...that won't work with a car. I love this! Your signature line makes me wish to be a Virginian, especially if all Virginians are proudly unpretentious and unpretentiously proud, ...
- Tue Jun 22, 2021 8:14 pm
- Forum: Personal Finance (Not Investing)
- Topic: Job change
- Replies: 9
- Views: 1243
Re: Job change
Have you tried Glassdoor?
- Wed Jun 02, 2021 11:55 am
- Forum: Non-US Investing
- Topic: US citizen in UK
- Replies: 24
- Views: 3491
Re: US citizen in UK
GE has a small market cap these days. It's a question of whether you blindly hold the top 10 stocks (which include all the big internet companies FB, Apple, Amazon, Microsoft, Google) or whether you try for a stratified sampling technique (1-2 stocks in each industry sector). I would be tempted to look at the top 100 global stocks as my universe (the top 10 are basically same as S&P 500, but include Nestle I believe). Hmm, am I getting dated for mentioning GE? I agree that blindly holding the top ten market-cap stocks entails the least work and possibly the least regret. Holding one hundred stocks would require that you love this thing as a hobby, instead of as an investment per se, because it's very likely that you will continue to tr...
- Tue Jun 01, 2021 6:42 pm
- Forum: Non-US Investing
- Topic: US citizen in UK
- Replies: 24
- Views: 3491
Re: US citizen in UK
If OP buys Berkshire-Hathaway, GE, and maybe a few other individual stocks, would that be sufficiently close to S&P500? In other words, at any given tracking error, we can minimize the number of stocks to buy.
- Thu Feb 25, 2021 2:38 pm
- Forum: Investing - Theory, News & General
- Topic: Bonds: What Are They Doing? Are They Doing Things?? Let's Find Out!
- Replies: 2297
- Views: 258095
Re: Bonds in free fall
Today's market sees TIP dropping more than AGG. If there is a whiff of inflation in the air, why would TIP not hold up much better than AGG?
- Wed Dec 30, 2020 7:59 pm
- Forum: Personal Consumer Issues
- Topic: Wet sugar jar mystery
- Replies: 32
- Views: 4110
- Sun Jan 05, 2020 1:25 pm
- Forum: Personal Investments
- Topic: Vanguard is worrying me
- Replies: 70
- Views: 10342
Re: Vanguard is worrying me
Why don't Vanguard just get out of this retail brokerage business so that they can focus on managing funds? How much profit will they give up by ceasing all the consumer-facing operations?
- Tue Dec 10, 2019 11:44 pm
- Forum: Personal Finance (Not Investing)
- Topic: Transition at Vanguard
- Replies: 45
- Views: 7173
Re: Transition at Vanguard
Hmmm, I wonder why you mention this. I got CP2000 notice this year because in 2018 I failed to import one of the two 1099s into turbotax for 2017 tax. But if my grief is not repeated by OP, I shall still pay thanks to Vanguard-IT for not completely extinguishing my last shred of respect for them.
- Sun Oct 06, 2019 8:31 pm
- Forum: Personal Consumer Issues
- Topic: Would or should you tip AAA road assistance?
- Replies: 67
- Views: 8861
Re: Would or should you tip AAA road assistance?
+1. I feel the same way.TravelforFun wrote: ↑Sat Oct 05, 2019 10:46 am I'd tip them. A few dollars are not going to make a difference to me but might make someone's day.
TravelforFun
- Tue Aug 13, 2019 9:07 pm
- Forum: Investing - Theory, News & General
- Topic: [Vanguard ongoing glitches, August 12-13, 2019]
- Replies: 256
- Views: 24850
Re: Wellesley 56.05% drop today
Upon careful analysis, Vw is actually a function of V when averaged over a moon cycle.whodidntante wrote: ↑Tue Aug 13, 2019 8:13 pm Vanguard has recently introduced T+V+2+Vw settling time.
T is the day you'd like to place the trade.
V is a variable number of days until the Vanguard website works correctly for placing trades.
2 is, well, 2.
Vw is a variable number of days until the Vanguard website works correctly for withdrawal requests and is not related to emissions scandals.
- Sun Feb 10, 2019 12:02 am
- Forum: Investing - Theory, News & General
- Topic: Why borrow money in RE but not Stocks?
- Replies: 39
- Views: 5235
- Tue Jan 01, 2019 5:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity as a one stop shop
- Replies: 6053
- Views: 1037117
Re: Fidelity as a one stop shop
Awesome! So far Fido has always surprised me on the upside.indexfundfan wrote: ↑Fri Dec 28, 2018 10:52 am ...
Unlike Vanguard or Schwab, Fidelity's MMFs settle on the same business day.
- Sat Dec 15, 2018 9:29 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity as a one stop shop
- Replies: 6053
- Views: 1037117
Re: Fidelity as a one stop shop
My experience with CMA is that the default sweep account is an FDIC-insured ultra-low-interest account, not SPRXX that hotpancakes uses or FCFXX that I use. The move from cash to higher interest MMF has to be manually initiated. Is there an automation mechanism that I missed?
- Sat Nov 10, 2018 6:33 pm
- Forum: US Chapters
- Topic: Remember to support this free source
- Replies: 21
- Views: 3238
Re: Remember to support this free source
Done!
I cannot thank Bogleheads enough for the amount of wisdom I have received here, financial and otherwise. From the most kind-hearted to some very sarcastic, all are united on this wonderful forum.
I cannot thank Bogleheads enough for the amount of wisdom I have received here, financial and otherwise. From the most kind-hearted to some very sarcastic, all are united on this wonderful forum.
- Thu Sep 21, 2017 3:48 pm
- Forum: Investing - Theory, News & General
- Topic: [Poll] Bull or Bear for Next 5 Years?
- Replies: 36
- Views: 11464
Re: [Poll] Bull or Bear for Next 5 Years?
This is a fun exercise. Let's do it again!
- Mon Jun 19, 2017 6:48 pm
- Forum: Personal Consumer Issues
- Topic: Need WIFI repeater or second router Advice
- Replies: 45
- Views: 5758
Re: Need WIFI repeater or second router Advice
For a one-story house, a mirror placed behind the WiFi router can increase signal strength in the line of sight tremendously. The signal easily penetrates one interior wall, but not two walls or large furnitures.
- Sun Jun 11, 2017 8:43 pm
- Forum: Forum Issues and Administration
- Topic: Longest conversation thread?
- Replies: 6
- Views: 3539
Re: Longest conversation thread?
CABob wrote:Taylor's Three-Fund thread
Emotion trounces logicjjface wrote: Us stocks in freefall
- Sun Nov 13, 2016 9:38 pm
- Forum: Personal Consumer Issues
- Topic: Vanguard Swag ?
- Replies: 23
- Views: 6852
Re: Vanguard Swag ?
Sigh, another data point confirming that "Vanguard is not good at IT" stereotype.
- Sun Nov 13, 2016 8:07 pm
- Forum: Personal Consumer Issues
- Topic: Vanguard Swag ?
- Replies: 23
- Views: 6852
Re: Vanguard Swag ?
Hello everyone, is the vanguardgear.com site down for good or is it just me? -Xin
- Tue Nov 11, 2014 11:16 pm
- Forum: Personal Consumer Issues
- Topic: Life purpose revisited
- Replies: 55
- Views: 13406
Re: Life purpose revisited
Thanks for the tip! I just placed my order for a mug ($7) and a Tee ($8) at Vanguard online store. That's "more than good enough" for me.-XinSome people define happiness as a Vanguard coffee mug.
Victoria
- Sun Nov 02, 2014 5:35 pm
- Forum: US Chapters
- Topic: Livesoft - Thank you
- Replies: 44
- Views: 8887
Re: Livesoft - Thank you
Shall we go back to the poll and update it?
Who is your favorite poster!?
Somehow I see two rows for Taylor. Don't know if it is a glitch of forum software.
Who is your favorite poster!?
Somehow I see two rows for Taylor. Don't know if it is a glitch of forum software.
- Sat Sep 20, 2014 1:10 pm
- Forum: Investing - Theory, News & General
- Topic: Alibaba is NOT coming to an index near you
- Replies: 38
- Views: 7513
Re: Alibaba is NOT coming to an index near you
If someone is fully and truly convinced that BABA will go down, wouldn't that someone in reality start building a massive short position or buying put options on it? Folks, this is a huge opportunity to make real money off the contempt of the communists, while teaching those naive capitalists on wall street a lesson about value-investment! Talk is cheap, let's see if anybody in reality can put money on the table.
- Thu Sep 11, 2014 7:11 pm
- Forum: Personal Investments
- Topic: Rollover 401(k) to existing or new Rollover IRA Account
- Replies: 3
- Views: 542
Re: Rollover 401(k) to existing or new Rollover IRA Account
FWIW, here is my own experience. I rolled multiple 401ks from my previous employers into a single Rollover IRA at Fido over the years. And I recently folded the pretax portion in it to my current 401k as part of the backdoor roth conversion maneuver. All without any problem.
- Fri Jul 18, 2014 11:34 pm
- Forum: Personal Investments
- Topic: (TIPS) Treasury Inflation Protected Securities
- Replies: 3
- Views: 1806
Re: TIPS In Bond Portfolio?
I split my bond allocation in 401(k) evenly between tips and total bond index. My thinking is that this will protect against both inflation and deflation, or equivalently, suffer 50% in both environment. Since I have decided to believe that bond is for safety and not for growth, I find this even split to give me the most peace. Very subjective, I know.
- Sat Jun 28, 2014 8:17 pm
- Forum: Investing - Theory, News & General
- Topic: Bernstein: Don’t Bother With International Bonds
- Replies: 112
- Views: 19001
Re: Bernstein: Don’t Bother With Intnational Bonds
One default in 1979 was due to technical reason not unlike what we could have today. http://www.npr.org/2011/07/11/137773341 ... sury-bondsGrt2bOutdoors wrote:In 2001 Argentina defaulted on their bonds, they are still arguing about it in court - here it is 13 years later. As much debt has the US issues, it has never defaulted on its debt, though the past is not indicative of future performance, having a 200 year plus track record helps......
Another event in 1935 was not bond default in name, but I think in reality http://beforeitsnews.com/financial-mark ... 19314.html
- Mon Jun 16, 2014 12:03 pm
- Forum: Personal Consumer Issues
- Topic: What octane gas do you use to fill your car?
- Replies: 77
- Views: 12530
Re: What octane gas do you use to fill your car?
That's a fluke. Higher octane, in a car designed for 87, actually will give you worse fuel efficiency, with no additional power. Octane rating is just resistant to pre-mature detonation. Higher octane fuels allow for higher compression ratios. If your car doesn't have that higher compression ratio, it does nothing but slow down the burn speed, which reduces power output and fuel efficiency. It's probably the warmer weather. Thank you Angelus359 and others who questioned the gas mileage premium. It turned out to be more embarrassing than a fluke. I paid more attention this morning, and realized that I was looking at MPH, not MPG. Once I push the DISP button to the right type, it shows the same gas mileage as when I was using 87. Mystery sol...
- Mon Jun 16, 2014 12:36 am
- Forum: Personal Consumer Issues
- Topic: What octane gas do you use to fill your car?
- Replies: 77
- Views: 12530
What octane gas do you use to fill your car?
I drive a Lexus ES 330 as a commute car everyday, and usually fill it with 87 gas, which gives me close to 24 mpg. Last time when I filled it, I accidentally picked up a 91 pump. I am now pleasantly surprised by a 28 mpg reading. The price difference is 10%, but the mpg improvement is better than 15%. Is this related to warmer weather? Should I switch to 91 forever?
[EDIT] I was reading MPH, not MPG. There is no difference between 87 and 91 in gas mileage.
[EDIT] I was reading MPH, not MPG. There is no difference between 87 and 91 in gas mileage.
- Thu May 22, 2014 10:37 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity vs. Vanguard
- Replies: 75
- Views: 12815
Re: Fidelity vs. Vanguard
Some 15 years ago, we had IRA opened at Schwab because they advertised no-fee-whatsoever, except that after <1 year they changed policy to charge $50 maintenance for low balance accounts. We promptly yanked our $2000 out of Schwab and paid the $50 account closing fee, and never looked back. I am sure they behave better nowadays, but I am not gonna give them a second chance, ever.Alan S. wrote:... I would put Schwab into the same mix.
- Thu May 22, 2014 5:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity vs. Vanguard
- Replies: 75
- Views: 12815
Re: Fidelity vs. Vanguard
We have money at both places. Started at Fidelity because of workplace 401(k), but opened Vanguard account for their international funds. FSTVX and FSEVX at Fidelity are very competitively priced, but VEMAX and VTIAX are lower cost for sure. VCAIX is also a good place for Californians. Regarding customer service, I have the highest praise for Fidelity folks, although their knowledge of backdoor Roth conversion is less stellar than what I read here in this forum. (Thanks folks!)
- Sat Jan 25, 2014 9:30 pm
- Forum: US Chapters
- Topic: Taylor's 90th Birthday
- Replies: 272
- Views: 43235
Re: TAYLOR'S UPCOMING 90th BIRTHDAY
Happy 90th Birthday Taylor, and we will mass-congratulate you at a bigger scale at your 100th!
- Thu Jan 09, 2014 7:37 pm
- Forum: Investing - Theory, News & General
- Topic: Bill Gross's investment outlook 2014
- Replies: 8
- Views: 2170
Re: Bill Gross's investment outlook 2014
As Niels Bohr said, "Prediction is very difficult, especially about the future."larryswedroe wrote:why does anyone care what Gross forecasts. ....
- Sat Feb 09, 2013 1:59 pm
- Forum: Investing - Theory, News & General
- Topic: Taleb and Kahneman: Antifragility vs. common-man attitudes
- Replies: 147
- Views: 18748
Re: Taleb and Kahneman: Antifragility vs. common-man attitud
Thank you VictoriaF for posting such scintillating ideas. This is one of the best reasons I can use to justify my hours browsing the web
- Sun Feb 03, 2013 1:47 am
- Forum: Personal Finance (Not Investing)
- Topic: Turbotax Online vs Turbotax in the box
- Replies: 31
- Views: 5665
Re: Turbotax Online vs Turbotax in the box
We bought the Premier version from Costco before we saw this discount deal from Vanguard.com. Our tax situation is pretty straightforward, one state, no business. Has somebody here thoroughly compared the options, and come to an unambiguous conclusion about which is cheaper, online vs installed software? The conclusion will influence our future purchase decisions. Thanks!
- Fri Feb 01, 2013 12:48 am
- Forum: Personal Finance (Not Investing)
- Topic: .....
- Replies: 43
- Views: 5631
Re: Should I take the full-time offer?
Exactly. The consequence of accepting this shotgun offer will also include even less respect from that boss.DualIncomeNoDebt wrote:Decline and counter-offer, and state this isn't what you agreed to. Stick to your guns.
I have a strong sense it will gnaw at you morning, noon and night if you agree to this shotgun offer.
- Fri Aug 10, 2012 11:15 pm
- Forum: Investing - Theory, News & General
- Topic: Your Best One Line of Wisdom
- Replies: 238
- Views: 24026
Re: Your Best One Line of Wisdom
Me included.Atilla wrote:People are idiots.
- Fri Dec 23, 2011 7:03 pm
- Forum: Investing - Theory, News & General
- Topic: John Bogle is Google News Top Stories
- Replies: 3
- Views: 825
- Fri Oct 14, 2011 11:54 pm
- Forum: Personal Consumer Issues
- Topic: 2 Weeks in China (Beijing + Hong Kong): What Should I Know?
- Replies: 29
- Views: 2649
Be aware of cars
Drivers don't wait for pedestrians.
- Fri Sep 16, 2011 12:05 am
- Forum: Investing - Theory, News & General
- Topic: "Know Just Enough to Succeed"
- Replies: 8
- Views: 2422
- Mon Aug 30, 2010 2:26 am
- Forum: Investing - Theory, News & General
- Topic: Fidelity Personal Rate of Return
- Replies: 31
- Views: 27000
What is your number for Personal Rate of Return?
I was pleasantly surprised to see this feature at Fidelity, because I had always wanted to find out if I was beating some benchmark or not. For example, my 5-Year (08/01/2005 - 07/31/2010) is +7.14%. This number looks much better than the balance chart on the right, because I had to withdraw a large sum in 2007 (just to buy at the top of the housing bubble. And if you have to ask why, I have no luck except bad luck)
- Thu Dec 20, 2007 7:58 pm
- Forum: Personal Investments
- Topic: Another reason Roth 401(k) is better for savers
- Replies: 1
- Views: 1019
Another reason Roth 401(k) is better for savers
Our company offers both traditional and Roth 401(k), so a few colleagues among us had a debate today regarding which option to use. In a steady state example below, Roth 401(k) is better than traditional 401(k) for the aggressive savers with high salaried income. Suppose we have a flat tax rate 1/3, which will not change over 20 years. Also, suppose we expect the investment to grow to 3x over 20 years, no dividend, no inflation. Last, suppose we have $24k pre-tax income to decide where to put. 1. For Traditional 401(k), you can put in $16k pre-tax, but $8k is taxed now, so you have today $16k pre-tax, plus $8*2/3= $5.3k after-tax in a non-tax-sheltered investment account. After 20 years, you will have $16k*3 * 2/3 = $32k from Traditional 40...
- Mon May 28, 2007 1:37 am
- Forum: Personal Investments
- Topic: States with the lowest expense ratio (no income tax states)
- Replies: 46
- Views: 18750
The state government has to finance its operation one way or the other, income tax just being one source of revenue. The net burden on the state residents must be inversely proportional to the overall efficiency of the government. So I think that for retirees to pick a place for tax reasons, two factors need to be considered: government efficiency in providing useful services, and any wealth transfer program to favor the retirees over those still working. But I've got no idea how to measure either factor. By the way, CA has 8.25% sales tax, 1.25% property tax, 10% income tax. The state goverment has a $100 Billion annual budget, but people are constantly complaining about lack of service. How come there are still so many people living in CA...