Search found 3051 matches

by CyberBob
Wed Nov 22, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 142
Views: 8116

Re: Why not take Social Security at 62

Financial guru Bill Bernstein had an interesting answer to the Social Security now/then question: There are two possible goals with SS: 1) buy the optimal amount of longevity insurance for a given input, or 2) optimize your total amount of SS benefits. Both are valid goals, but let's assume you want...
by CyberBob
Mon Nov 20, 2017 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: What percentage of your annual expenditures are you targeting for travel once you are retired?
Replies: 19
Views: 1255

Re: What percentage of your annual expenditures are you targeting for travel once you are retired?

Zero. This might be heresy as most seem to think that travel is part of retirement, but I did travel a lot including internationally when I worked. I do not like to travel, I do not like hotels, and i do not like to pack. I like my own bed. Now I have traveled zero days in my 1 year of retirement. ...
by CyberBob
Sun Nov 12, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Better way to get rid of old fridge?
Replies: 38
Views: 2464

Re: Better way to get rid of old fridge?

How about your electric company?
Mine promotes the energy efficiency of new appliances by offering to take old refrigerators and pay you $75.

https://www.firstenergycorp.com/save_en ... #gsc.tab=0
by CyberBob
Sat Nov 11, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 3401

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

Waiting til Black Friday to purchase, and going back and forth between G5 plus and G5s Plus due to software update support and possible future support. I believe the G5s got the most recent update, but the G5 has not. They're both getting Android 8 Oreo upgrade https://blog.motorola.com/2017/09/14/...
by CyberBob
Tue Oct 31, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: Navy Federal Financial Group Launches EasyStart® Investor
Replies: 1
Views: 430

Re: Navy Federal Financial Group Launches EasyStart® Investor

The Navy Federal site doesn't seem to mention it directly, but apparently it's Folio Investing in the background

http://www.businesswire.com/news/home/2 ... -Investing
by CyberBob
Sun Oct 29, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: What’s a safe formula for assets needed to retire?
Replies: 58
Views: 4114

Re: What’s a safe formula for assets needed to retire?

From Bill Bernstein's book If You Can : The name of the game is to accumulate around 12 years of living expenses, which, combined with Social Security, should provide for a reasonable retirement. How did I arrive at 12 years of living expenses? The average person needs to accumulate about twenty-fiv...
by CyberBob
Sat Oct 28, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: Bogle has a forecast...
Replies: 19
Views: 4234

Re: Bogle has a forecast...

Thanks for the link. Great video. Should be watched often. Reminder to keep costs as low as possible. So, time to dump all active managed funds in one's portfolio? :shock: Including the venerable Wellesley/Wellington twins? :shock: In an Investor's Business Daily interview, Jack Bogle seems to say ...
by CyberBob
Sat Oct 28, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Sagestream freeze
Replies: 9
Views: 1220

Re: Sagestream freeze

Sagestream? Who the heck is that? Their website seems very fraud-y to me. A freeze mentions mailing them things like a current bank statement, a voided check, a copy of your social security card, etc. They must be joking. Further research and an L.A. Time article indicates their parent company is ow...
by CyberBob
Sat Oct 28, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Market Crash Defensive Portfolio
Replies: 30
Views: 3585

Re: Market Crash Defensive Portfolio

Fellow Boglehead longinvest has what I always considered an excellent, conservative Canadian-based investment portfolio. As he describes it: Lifelong Portfolio: 25% each of (domestic/international) stocks/(nominal/inflation-indexed) bonds VCN - Canada all-cap stock index VXC - Global all-cap ex-Cana...
by CyberBob
Tue Oct 24, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: TrevH's 4 Fund Portfolio
Replies: 6
Views: 906

Re: TrevH's 4 Fund Portfolio

Does anyone have data on returns for this 4 Fund Portfolio? The MarketWatch site that tracks the "lazy portfolios" shows the lazy "Ultimate Buy and Hold" portfolio hasn't been doing very well over the last 3, 5, and 10 years ( http://www.marketwatch.com/lazyportfolio ) https://www.portfoliovisualiz...
by CyberBob
Fri Oct 20, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Drawback of TOTP (app like Google Authenticator)?
Replies: 22
Views: 1585

Re: Drawback of TOTP (app like Google Authenticator)?

Ketawa wrote:
Fri Oct 20, 2017 11:54 am
...My main concern has been what I would do if I lost my phone with Authenticator, since there isn't any native support for backup.
Google backup codes
by CyberBob
Fri Oct 20, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 84
Views: 16269

Re: Bill Sharpe's preferred portfolio

The September 30, end-of-quarter numbers are out. The total market-caps all went up, but the overall allocation percentages are still the same at 30/27/22/21. September 30 numbers in red. I'll update the wiki too when I get a minute. The June 30 end-of-quarter numbers are out for the indexes that Sh...
by CyberBob
Wed Oct 18, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 140
Views: 9424

Re: Anyone planning on getting the new Pixel phone?

How about a new Moto G5S Plus? 5.5 inch screen, $349 with 4GB RAM and 64GB storage. I lucked out and got one of the 4/64GB versions on sale at Newegg for $299. A killer deal! :moneybag I did look at this one online, definitely a good buy for sure. But I find that unlocked Motorola phones are very s...
by CyberBob
Sat Oct 07, 2017 10:19 pm
Forum: Investing - Theory, News & General
Topic: VFITX, VBIIX or VBMFX for Swensen portfolio?
Replies: 5
Views: 607

Re: VFITX, VBIIX or VBMFX for Swensen portfolio?

If you read his book Unconventional Success or Pioneering Portfolio Management , you'll see he definitely recommends pure treasury. Somebody emailed him a few years back and he responded that you should match the duration of the overall treasury market. VFITX would get you pretty close (although it'...
by CyberBob
Tue Sep 26, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11725

Re: The Rolex and The Boglehead

How many Bogleheads out there own and wear a Rolex (or similar)? Those that do, any regrets? I'd like to one day own a nice watch but for right now I just admire them all. DW might not ever sign off on a watch that expensive but still I'm curious what other Bogleheads have to say. If you're looking...
by CyberBob
Tue Sep 26, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3123

Re: BH phone review: Moto G5 Plus

The camera works really well and takes fast pictures. With my previous phones, I had a lot of missed opportunities trying to take pictures in a hurry with my young child but I've had great success taking clear pictures in a pinch with the G5. I love the double wrist-twist gesture to go to camera mo...
by CyberBob
Fri Sep 22, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8705

Re: Age you retired

DanMahowny wrote:
Fri Sep 22, 2017 1:02 pm
42
Same for me.
DanMahowny wrote:
Fri Sep 22, 2017 1:02 pm
Net worth tripled since then too.
Also same for me. We're Boglehead twins :D
by CyberBob
Thu Sep 21, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: What's a good big e-reader?
Replies: 10
Views: 885

Re: What's a good big e-reader?

Does your PDF document have to stay in PDF?
If not, convert it to Kindle format by emailing it to your kindle using the Send to Kindle convert function. Once you do that, you can change font sizes and such just like any normal Kindle book.
by CyberBob
Wed Sep 20, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard total us dividend for Sept?
Replies: 10
Views: 1358

Re: Vanguard total us dividend for Sept?

Here's the full list.
Total Stock declaration date is September 20.
https://investornews.vanguard/find-out- ... his-month/
by CyberBob
Sat Sep 16, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: Why are so many Chinese visiting my website?
Replies: 14
Views: 2561

Re: Why are so many Chinese visiting my website?

I always find looking at the web server logs amusing. Just last week I was getting a lot of probes from a purported Chinese IP address. They were looking for a vulnerability in a particular contact-manager program. It seems that whoever was looking isn't too sophisticated, because not only do I not ...
by CyberBob
Wed Aug 30, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity equivalent of VTIAX (VG TOTAL Intl. Stock)
Replies: 9
Views: 828

Re: Fidelity equivalent of VTIAX (VG TOTAL Intl. Stock)

Hi Fidelity www listed below for International Index funds, which fund is the equivalent to VG VTIAX? 1) FSPNX - Fidelity® International Index Fund - Institutional Class - https://fundresearch.fidelity.com/mutual-funds/summary/315911735 FSIVX - Fidelity® International Index Fund - Premium Developed...
by CyberBob
Mon Aug 14, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: 'Pure' U.S. revenue ETF
Replies: 1
Views: 293

'Pure' U.S. revenue ETF

It's often discussed that you don't need much of an ex-US stock allocation since the large U.S. companies are all international and get a significant part of their revenue from outside the U.S. So it's interesting that iShares is debuting a 'Pure' U.S. revenue ETF that consists of companies that do ...
by CyberBob
Mon Aug 14, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: Spreadsheet for Tracking the Global Market Portfolio
Replies: 14
Views: 1403

Re: Spreadsheet for Tracking the Global Market Portfolio

That's a great idea that we should keep up-to-date on Sharpe's allocation. Maybe we should add it to the wiki. It looks like your numbers from the spreadsheet are as follows: CRSP U.S: $25,089,806.00 FTSE All-World ex U.S.: $20,585,441.00 Citi: USBIG: $18,860,820.00 Citi: WorldBIG - USBIG: $18,373,2...
by CyberBob
Fri Aug 11, 2017 6:34 pm
Forum: Investing - Theory, News & General
Topic: Securities in an Insecure World...Graham
Replies: 12
Views: 1506

Re: Securities in an Insecure World...Graham

For anyone interested, here's Graham's entire 1963 speech Securities in an Insecure World.
by CyberBob
Tue Aug 08, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Government Bond Index Funds changing names and indices (dropping agency bonds)
Replies: 56
Views: 6087

Re: Vanguard Government Bond Index Funds changing names and indices (dropping agency bonds)

triceratop wrote:...pure treasury funds from iShares...
That's probably the reason for the change. Vanguard's current treasury funds aren't indexed and don't have ETF shares. After this benchmark change, Vanguard will have pure treasury ETF's to compete with that big iShares volume.
by CyberBob
Mon Jul 17, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity interest rates
Replies: 20
Views: 2411

Re: Fidelity interest rates

In my cash management account I use SPRXX -- Fidelity Money Market. The current yield is 0.96%. They liquidate it at the end of each day to reconcile debits in the account. Isn't the FDIC-insured deposit sweep account your core position for the cash account? How do you get an automatic draw from SP...
by CyberBob
Thu Jul 13, 2017 10:19 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 84
Views: 16269

Re: Bill Sharpe's preferred portfolio

25,089,806/22,271,698 is about 53/47 US/Ex-US for the equity portion... Yep, right in-line with the Total World Stock Index fund (VTWSX/VT), which Sharpe would seem to prefer to use for simplicity and not having to rebalance, but doesn't, as he mentions in the video, because it's still a bit more e...
by CyberBob
Thu Jul 13, 2017 9:03 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 84
Views: 16269

Re: Bill Sharpe's preferred portfolio

The June 30 end-of-quarter numbers are out for the indexes that Sharpe mentions in the video. So to keep the portfolio allocations up-to-date for anyone who is interested, here are the numbers (in millions of USD): 25,089,806 - US stocks - CRSP US Total Market Index 22,271,698 - ex US stocks - FTSE ...
by CyberBob
Sun Jul 09, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: William Bernstein on Meb Faber's podcast
Replies: 54
Views: 7504

Re: William Bernstein on Meb Faber's podcast

W. Bernstein advocates not having money in stocks that you need for the next 10-15 years. (can't find the exact spot where he says this, but this is my memory - might have been a straight "15 years", and I am adding the "10"). Wow - this is a long time, and very few retirees can afford to have 15 y...
by CyberBob
Mon Jul 03, 2017 11:15 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 122
Views: 18342

Re: Paul Merriman: The One Fund Every Investor Should Own

It's not possible fore every investor to own that fund. And even if they did, the price would have been bid up so far that the future returns would be extremely low. It's silly advice. If everyone tilted towards small-value, it wouldn't even be a tilt anymore, but would simply be a new current make-...
by CyberBob
Tue Jun 20, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon, Freebooksy, Bookbub, etc.
Replies: 15
Views: 1680

Re: Alternatives to Amazon, Freebooksy, Bookbub, etc.

https://www.abebooks.com
I just bought a mint used copy of Bill Bernstein's book The Birth of Plenty in hardcover for $4.57, and that included postage.
by CyberBob
Sat Jun 03, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead approved actively managed funds!
Replies: 28
Views: 3389

Re: Boglehead approved actively managed funds!

Jack Bogle has mentioned Dodge & Cox and Longleaf Partners.
by CyberBob
Thu May 25, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 4585

Re: Need new Router/Wifi Networking Ideas

blueman457 wrote:(although cyberbob I might take you up on your offer!)
Sorry Blue Man, but the early Bogleheads got the worms...er, routers. All three Airport Expresses have now been spoken for. :(
by CyberBob
Tue May 23, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Present value of COLA pension
Replies: 20
Views: 2179

Re: Present value of COLA pension

William Jennings, a professor of finance at the Air Force Academy, along with William Reichenstein, a professor at Baylor University have written an academic paper on how to calculate the value of a military pension.
by CyberBob
Sun May 21, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 4585

Re: Need new Router/Wifi Networking Ideas

blueman457 wrote:(although cyberbob I might take you up on your offer!)
I've got two left now. Somebody snapped up the third one.
Although, if you've already got one, adding two more as extenders should be more than enough, unless your house is hotel-size :D
by CyberBob
Sun May 21, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 4585

Re: Need new Router/Wifi Networking Ideas

Airport Expresses work stupendously well as extenders for another Airport/Express. I had three of them in a three-story 7,000 square foot house and there wasn't a dead-spot anywhere, even in the backyard. I actually have three spare Expresses I'm not using right now and wondering what to do with the...
by CyberBob
Fri May 19, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 17105

Re: My dad is taking Social Security at 62, why would anyone not?

Financial guru Bill Bernstein had an interesting answer to the Social Security now/then question: There are two possible goals with SS: 1) buy the optimal amount of longevity insurance for a given input, or 2) optimize your total amount of SS benefits. Both are valid goals, but let's assume you want...
by CyberBob
Sun May 07, 2017 9:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 113
Views: 23434

Re: NE Ohio (Cleveland Area) Master Thread

When's the June meeting?
Are the meetings still on the second Saturday of every other month? In this case, June 10th?
by CyberBob
Mon Apr 24, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Best Place to Park Over $1m in Cash
Replies: 28
Views: 3238

Re: Best Place to Park Over $1m in Cash

Is it a certainty that Vanguard will immediately process a seven-figure purchase order - even for a money market fund? Vanguard has a list of large transaction limits by fund. For some funds it's as low as $100k, but for money markets it is $50 mil. https://advisors.vanguard.com/VGApp/iip/site/advi...
by CyberBob
Sat Apr 22, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: IRS refund today!
Replies: 43
Views: 4066

Re: IRS refund today!

E-filed on March 19. A couple weeks later I got a letter instructing me to call the IRS to verify my identity. Did that within a couple days and the guy on the phone said it could take up to another nine weeks for the refund to arrive. That happened to me last year. The good news was that they said...
by CyberBob
Fri Apr 21, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 84
Views: 16269

Re: Bill Sharpe's preferred portfolio

What is the reason for discrepancy between your and SIFMA source data ? Sharpe talks in the video about the indexes that the Vanguard funds follow. Essentially, they simply aren't quite as total as the SIFMA numbers. For example, the funds don't include municipal bonds or money markets. SIFMA does,...
by CyberBob
Tue Apr 18, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 84
Views: 16269

Re: Bill Sharpe's preferred portfolio

Note: For the bond indexes, I used the market-value numbers rather than the par-value numbers. Hmmm, thinking about it, I wonder if Par Value wouldn't be a better number to use. Especially since the bonds aren't going to be sold now at their market values, but rather held long-term until maturity a...
by CyberBob
Mon Apr 17, 2017 1:16 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 84
Views: 16269

Re: Bill Sharpe's preferred portfolio

I looked up the indexes mentioned by Sharpe in the video. CRSP US Total Market Index Market cap: $24,541,947 million FTSE Global All-Cap minus US Market cap: $21,356,625 million Note: The FTSE Global All-Cap index (the index followed by Vanguard's Total World Stock Index fund) actually shows the glo...
by CyberBob
Mon Apr 17, 2017 12:59 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 84
Views: 16269

Re: Bill Sharpe's preferred portfolio

Sharpe's "World Bond/Stock Index" that he is wishing for actually exists. It's the MSCI Global Capital Markets Index. There were even rumors about ten years ago that someone might start a fund based on the index. Still waiting. Unfortunately, MSCI took the index in-house in 2006 and so the breakdown...
by CyberBob
Tue Apr 04, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Foolish question about VT [Vanguard Total World Stock]
Replies: 10
Views: 1260

Re: Foolish question about VT [Vanguard Total World Stock]

Google Finance takes the latest quarterly dividend and multiplies it by 4. The accuracy of this method assumes that each quarterly dividend will be the same. They aren't, and so the Google number isn't too accurate. In fact, if you look at the Vanguard dividend page for VT , you'll see that last yea...
by CyberBob
Tue Mar 21, 2017 1:42 pm
Forum: Forum Issues and Administration
Topic: Hacking Wordpress
Replies: 11
Views: 2015

Re: Hacking Wordpress

As a general comment from a long-time Apache user (not sure about Wordpress, it's been a few years), it's a common misconception that user authentication should always be done in .htaccess files. However, in general and according to the Apache manual, you should only use .htaccess files when you don...
by CyberBob
Tue Mar 21, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: What's your strategy for withdrawing funds in Retirement ?
Replies: 57
Views: 7571

Re: What's your strategy for withdrawing funds in Retirement ?

I've always been partial to the RMD method where the withdrawal percentage is essentially 1/life expectancy. It has the disadvantage that withdrawals are a lower percentage early on (especially if you retire very early), but at the same time, taking less early on is psychologically comforting that y...
by CyberBob
Tue Mar 21, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 3204

Re: Anybody using the TERMINAL over the GUI in ubuntu?

Just for fun, I went down that rabbit hole many years ago and stayed because I liked it. That is, I have no GUI even installed on my machine. No desktop environment like GNOME or KDE, but just a window manager. Specifically, Ratpoison, which is awesome because it is keyboard only, no mouse input ava...