Search found 780 matches

by SeeMoe
Sat Apr 22, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Torn on whether to close 3rd oldest credit card
Replies: 12
Views: 754

Re: Torn on whether to close 3rd oldest credit card

For the past 44 years I have had just one credit card from my credit union that gives me a 30 days grace period before charging the (hated!) interest. As I recall, that gave me the incentive to only charge as much each month that I could payoff without incurring interest charges! The savings ech mon...
by SeeMoe
Sat Apr 22, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Investment plan needed
Replies: 12
Views: 924

Re: Advice on Investment plan needed

Best to talk it over with a trusted Vanguard Group advisor. Then go from there! My 60/40 AA would be tax Managed Capital Appreciation fund. A large Cap growth fund and a value fund. Then tax exempt Limited, intermediate and a long term state tax exempt fund. Maybe some total bond index too if your t...
by SeeMoe
Sun Apr 16, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why invest in International Index Fund?
Replies: 38
Views: 3082

Re: Why invest in International Index Fund?

You didn't mention Total International Bond Index funds which are not currently offering more than 1% in dividends last I looked. Vanguard says it does offer some diversity, but others say it isn't enough to justify the costs of hedging and currency exchange...The International Stock Index fund thou...
by SeeMoe
Thu Apr 13, 2017 5:10 pm
Forum: Investing - Theory, News & General
Topic: Delaying SS (or not) and the tax torpedo
Replies: 41
Views: 4299

Re: Delaying SS (or not) and the tax torpedo

Have a bird in hand (SS),.. grab it soon as you can before the hacks Change the rules! It (SS) reduces payouts to new members due to financial instability. Etc....Pay the taxes and, if you are fortunate to have good sources of other income, invest the SS payments in Index funds. SeeMoe.. :shock: Fe...
by SeeMoe
Tue Apr 11, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: Delaying SS (or not) and the tax torpedo
Replies: 41
Views: 4299

Re: Delaying SS (or not) and the tax torpedo

Have a bird in hand (SS),.. grab it soon as you can before the hacks Change the rules! It (SS) reduces payouts to new members due to financial instability. Etc....Pay the taxes and, if you are fortunate to have good sources of other income, invest the SS payments in Index funds.

SeeMoe.. :shock:
by SeeMoe
Mon Apr 10, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Jack Bogle, CNBC 10:am-
Replies: 0
Views: 335

Jack Bogle, CNBC 10:am-

It is always fascinating watching Master Bogle and CNBC seems mesmerized by him by the number of times he has appeared on their morning show. Today's take regards Index funds taking in over $1.2 Trillions recently while managed funds lost $1.2 trillion dollars. ETF's churn about 45% of market trades...
by SeeMoe
Sat Apr 08, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 63
Views: 4408

Re: What online bank do you use?

Past 44 years I/we have used just ONE source for our banking needs and that is PSECU= Pennsylvania State Employees Credit Union. No minimums and they Pay me to bank there in checking and the money market accounts. Use their VISA service with 30 day zero interest which I pay off the End of the month....
by SeeMoe
Sat Apr 08, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: 10 Year Note Goes Up, Taxable Bonds Go Down "Except:"
Replies: 4
Views: 552

Re: 10 Year Note Goes Up, Taxable Bonds Go Down "Except:"

Did the price of a previously-issued 10 year note go up, or did the yield on a 10 year note go up? "Bond prices fall as yields rise" -- every WSJ article about bonds, ever. I suspect the point about tax-exempt is due to shifts in perception of credit quality. It's really the only mathemat...
by SeeMoe
Fri Apr 07, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23261

Re: Low-earners- What is your profession?

I graduated from high school 2 years before my peers by joining the Marines at age 16 ( inked out a 5 to a 3 on my birth certificate and forged Moms name on the paperwork.) and passing the GED test while stationed on Okinawa back in the day. Later became a police officer , and later yet a sergeant w...
by SeeMoe
Fri Apr 07, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: 10 Year Note Goes Up, Taxable Bonds Go Down "Except:"
Replies: 4
Views: 552

10 Year Note Goes Up, Taxable Bonds Go Down "Except:"

....the tax exempt bond funds which either stay static, or increase a penny or two. Why? Today our Core bond fund lost .4 cents, total bond index .3 cents and the short term investment grade bond .1 cent in the T-IRA accounts. Conversely in the taxable account the Limited tax exempt was up .1 cent a...
by SeeMoe
Sun Apr 02, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Core Bond Fund (VCORX) One Year on:
Replies: 58
Views: 5427

Re: Vanguard Core Bond Fund (VCORX) One Year on:

Core bond's largest holding ($490 million) is "Japan Treasury Discount Bill". That's 74 percent of Core Bond's total assets. What does this mean about the character of Core Bond's portfolio? Oh, oh! Didn't know that. Somebody at Vanguard's Bond Dept. Evidently likes Japanese bonds as I sa...
by SeeMoe
Sat Apr 01, 2017 10:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Core Bond Fund (VCORX) One Year on:
Replies: 58
Views: 5427

Re: Vanguard Core Bond Fund (VCORX) One Year on:

Thanks to Ruraavalon, LAck-key, and Taylor and his references to master Bogle, R. Ferri, Etc. Who all avoid international bonds, it appears. I decided to dump my international bond index Admiral fund for the core bond Admiral fund. Not hard to do although Vanguard makes me feel a bit guilty doing so...
by SeeMoe
Fri Mar 31, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market Fund vs. Federal Money Market Fund
Replies: 36
Views: 4304

Re: Prime Money Market Fund vs. Federal Money Market Fund

What happens in October that would affect my PRime MM account? I use Prime mm to hold RMD MONIES and dividends, plus as a conduit between Vanguard and our bank. Plus periodic ACH payments to other entities. So how would those products be affected in October 2017, please? SeeMoe.. :?: It's already h...
by SeeMoe
Fri Mar 31, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market Fund vs. Federal Money Market Fund
Replies: 36
Views: 4304

Re: Prime Money Market Fund vs. Federal Money Market Fund

What happens in October that would affect my PRime MM account? I use Prime mm to hold RMD MONIES and dividends, plus as a conduit between Vanguard and our bank. Plus periodic ACH payments to other entities. So how would those products be affected in October 2017, please?

SeeMoe.. :?:
by SeeMoe
Thu Mar 30, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Core Bond Fund (VCORX) One Year on:
Replies: 58
Views: 5427

Re: Vanguard Core Bond Fund (VCORX) One Year on:

The argument against active management seems less convincing to me when applied to bonds. But that being said, considering that this is an actively managed fund, I'd like to see a longer track record compared to benchmarks before I would invest in it. It's only 60% bonds, but why not just go with W...
by SeeMoe
Thu Mar 30, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: Vanguard Core Bond Fund (VCORX) One Year on:
Replies: 58
Views: 5427

Vanguard Core Bond Fund (VCORX) One Year on:

Looking at posts about this fund here one year ago, I wonder how Bogleheads feel about this Managed bond fund today? Articles on this fund appear to think it 's a winner. Even Morningstar has taken the unusual step of listing it says Newsweek, although it is relatively new vs established funds. I'm ...
by SeeMoe
Mon Mar 27, 2017 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: RMD in 2018
Replies: 46
Views: 2611

Re: RMD in 2018

A CFP Advised me a while back to have our T-IRA accounts in 100% bonds, and take the RMDs at the end of the year in one lump sum which automatically goes to our taxable Vanguard account in the Prime MM. Our AA is 40/60 now, so most all of the RMD monies are reinvested in tax exempt bonds of the same...
by SeeMoe
Sat Mar 25, 2017 5:13 pm
Forum: Investing - Theory, News & General
Topic: Hussman doesn't view me an a true investor
Replies: 20
Views: 1783

Re: Hussman doesn't view me an a true investor

Mr. Hussman owes it to his long term fund investors ,in his annual newsletter , to publish the astounding chart that Nisiprius has submitted. But then those same long term investors would just shrug and think " maybe so, but maybe the master is right and this time around we will be the winners ...
by SeeMoe
Tue Mar 21, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Inlaw Suddenly Wants Financial Security in 60's..
Replies: 31
Views: 5473

Re: Inlaw Suddenly Wants Financial Security in 60's..

My wife is in touch with this woman in question quite frequently and she has been sharing the above comments with her, and just talking things over, her sudden chronic illness flaring up , the panic and realization it is time to stop working even though she loves her administrative job at a hospital...
by SeeMoe
Mon Mar 20, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4703

Re: Moving from Vanguard to Fidelity (probably)

That would be fair to say per indexing. Still can't see the point of moving from one index fund to another if the fees are similar? It's a headache too transferring in and out of investment companies on an ( apparent) whim... It isn't really a whim, as part of my financial overhaul I'm just questio...
by SeeMoe
Mon Mar 20, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Inlaw Suddenly Wants Financial Security in 60's..
Replies: 31
Views: 5473

Inlaw Suddenly Wants Financial Security in 60's..

She has a few hundred thousand in IRA's/403 , husband passed on, and about $75k sitting in a Money Market account. Still works, but is ready to retire at 69 due to physical issues and wants to invest the $75k now, and the DCP's later. An employee at work advised her to visit a CFP for a $600 dollar ...
by SeeMoe
Mon Mar 20, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4703

Re: Moving from Vanguard to Fidelity (probably)

Don't jump ship without thinking real hard about where you will land, sailor! Go to Reuters News Service and google the explosive article concerning the Johnson Family who Own Fidelity, and their $20+ billion dollar empire. Guess who helped finance that gravy train,...? SeeMoe.. :oops: This seems u...
by SeeMoe
Mon Mar 20, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4703

Re: Moving from Vanguard to Fidelity (probably)

Don't jump ship without thinking real hard about where you will land, sailor! Go to Reuters News Service and google the explosive article concerning the Johnson Family who Own Fidelity, and their $20+ billion dollar empire. Guess who helped finance that gravy train,...?

SeeMoe.. :oops:
by SeeMoe
Sat Mar 11, 2017 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Conservative Portfolio
Replies: 18
Views: 1675

Re: Tax Efficient Conservative Portfolio

68 years old, 15% Fed Tax Rate, 3% PA state tax rate. We are retired with a 40/60 AA. 100% bond funds in the T-IRA with a one x year RMD payout. Taxable acount is: tax Managed Capital Appreciation, Total International Stock Index, Exended Market Index, Limited/Intermediate/Pennsylvania tax exempt b...
by SeeMoe
Sat Mar 11, 2017 6:05 pm
Forum: Investing - Theory, News & General
Topic: Which Vanguard Tax-Exempt fund?
Replies: 22
Views: 2268

Re: Which Vanguard Tax-Exempt fund?

For us it's the Limited/Intermediate/Pennsylvania tax exempt funds in our taxable account. Plus some total bond index and a Prime MM . Working out well for us in retirement...with 40/60 folio that needs lots of bonds.

SeeMoe.. :dollar
by SeeMoe
Fri Mar 10, 2017 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire and need to realize 5%/year to live on.
Replies: 71
Views: 7235

Re: About to retire and need to realize 5%/year to live on.

Better keep working until you can collect SS and Medicare. Look into The Vanguard Equity Income fund, total bond index, intermediate term and high yield corporate bond funds for income. Doubt if you will squeeze 5% out of them though. Looks like you have to spend down a little of the principle thoug...
by SeeMoe
Wed Mar 08, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Traveling to Japan
Replies: 29
Views: 2395

Re: Traveling to Japan

You would like Mount Fuji and the surrounding countryside and villages. I visited there in the 1950's when the exchange rate was 360 Yen to the Dollar. We traveled by train from Tokyo, and the train is the way to go. If you have time, then head up North. Never got sick eating the food or drinking th...
by SeeMoe
Wed Mar 08, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Asset Placement Turned Upside Down, Bonds in Taxable?
Replies: 51
Views: 4008

Re: Asset Placement Turned Upside Down, Bonds in Taxable?

Despite being in a 15% tax margin , I invest in laddered tax exempt Limited/Intermediate/Pa. Municipal bonds. But I also have a portion in the total bond index fund and PriME MM as well. Just enough taxable so as not to push us into a higher tax bracket...

SeeMe.. :D
by SeeMoe
Tue Mar 07, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard and bond recomendations
Replies: 18
Views: 1892

Re: Vanguard and bond recomendations

Not to derail OP's inquiry but, shouldn't majority of investors out there, invest in Vanguard's bond guideline of subtracting your age from 110 to determine amount of bond exposure regardless of market conditions? Do Bogleheads adhere to this recommendation or is it generally ignored? We do, and be...
by SeeMoe
Sun Mar 05, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: 15% Tax Margin and Munis in Taxable Account an Oxymoron?
Replies: 8
Views: 824

Re: 15% Tax Margin and Munis in Taxable Account an Oxymoron?

I expect to be in the 15% bracket. The municipal fund that made the most sense to me was Vanguard's High Yield Municipal Fund (VWAHX/VWALX), as I will not be impacted by alternative minimum tax, which keeps the riff-raff out. I will be splitting this equally with treasuries, which backtests as near...
by SeeMoe
Fri Mar 03, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: 15% Tax Margin and Munis in Taxable Account an Oxymoron?
Replies: 8
Views: 824

Re: 15% Tax Margin and Munis in Taxable Account an Oxymoron?

What's going on with your conversions to Roth IRAs? It also seems that you don't need such a conservative asset allocation, so you don't need as much in bond funds in a taxable account anyways. Oops, I didn't answer your question: So if you are doing Roth conversions, then sure have tax-exempt bond...
by SeeMoe
Fri Mar 03, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: 15% Tax Margin and Munis in Taxable Account an Oxymoron?
Replies: 8
Views: 824

Re: 15% Tax Margin and Munis in Taxable Account an Oxymoron?

What's going on with your conversions to Roth IRAs? It also seems that you don't need such a conservative asset allocation, so you don't need as much in bond funds in a taxable account anyways. Oops, I didn't answer your question: So if you are doing Roth conversions, then sure have tax-exempt bond...
by SeeMoe
Fri Mar 03, 2017 1:27 pm
Forum: Investing - Theory, News & General
Topic: 15% Tax Margin and Munis in Taxable Account an Oxymoron?
Replies: 8
Views: 824

15% Tax Margin and Munis in Taxable Account an Oxymoron?

Bogle heads Manifesto advises to have tax efficient products in the taxable account, and the opposite is DCP's. Our Flagship assets are about $1.4 million dollars in a 40/60 AA , and our RMD's from our 100% bond funded T-IRA accounts will be about $25k , taken in a lump sum the end of December. Our ...
by SeeMoe
Thu Mar 02, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Fidelity offers buy outs to reduce workforce
Replies: 26
Views: 3993

Re: Fidelity offers buy outs to reduce workforce

Guess it doesn't pertain to the Johnson Family who have paid themselves handsomely since Fidelity was founded in the late 1940's. Reuters said recently they are worth over $20 billion dollars. Not to mention fund managers like the Contra fund manager who is worth many millions...Just saying. SeeMoe....
by SeeMoe
Thu Mar 02, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: Paul Kangas passed away
Replies: 23
Views: 3728

Re: Paul Kangas passed away

linenfort wrote:Saw that, too, and immediately put him in my sig. I miss Paul and Susie as hosts.


Oh, how about " Cassie" Sybert too? A real beauty and foil for Paul as I recall....

SeeMoe.. :P
by SeeMoe
Thu Mar 02, 2017 6:21 pm
Forum: Investing - Theory, News & General
Topic: Paul Kangas passed away
Replies: 23
Views: 3728

Re: Paul Kangas passed away

Paul and Louis Reukyser of PBS were directly responsible for us beginning our investment programs back in the early 1980's. Both are missed very much.

SeeMoe :(
by SeeMoe
Thu Mar 02, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Building my taxable portfolio from scratch - W&W and 4 funds
Replies: 17
Views: 1172

Re: Building my taxable portfolio from scratch - W&W and 4 funds

There is no way I would hold either W or W in a taxable account. If you want bonds to attenuate the volatility of stocks and this is a taxable account, then you want tax-exempt muni bond funds in taxable. That is, you want to make the equivalent of a tax-efficient W & W for yourself. Seriously....
by SeeMoe
Wed Mar 01, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Where to go when stocks, bonds overpriced
Replies: 53
Views: 5143

Re: Where to go when stocks, bonds overpriced

More bonds , less stock in pension years as you age. By 70+ folio AA should be about 35/65, but if the T-IRA is already 100% bond funds and you are in the 15% tax margin, how do you keep the taxable folio AA @ 35/65? If you have enough pension income to cover expenses, then where do you invest the R...
by SeeMoe
Mon Feb 27, 2017 1:02 pm
Forum: Investing - Theory, News & General
Topic: How should people factor Social Security into their "magic number" with early retirement?
Replies: 76
Views: 6025

Re: How should people factor Social Security into their "magic number" with early retirement?

I factor in Social Security " The Bird in Hand" way no matter if one has a significant pension plan. Take SS soon as possible and invest the money. Don't let taxes get in the way because SS could suddenly be " reduced" in order to save it at anytime! Plus age 70 is getting very ...
by SeeMoe
Sun Feb 26, 2017 11:13 am
Forum: Investing - Theory, News & General
Topic: How should people factor Social Security into their "magic number" with early retirement?
Replies: 76
Views: 6025

Re: How should people factor Social Security into their "magic number" with early retirement?

I factor in Social Security " The Bird in Hand" way no matter if one has a significant pension plan. Take SS soon as possible and invest the money. Don't let taxes get in the way because SS could suddenly be " reduced" in order to save it at anytime! Plus age 70 is getting very c...
by SeeMoe
Sat Feb 25, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Early Soc Sec or spend down investments/assets?
Replies: 28
Views: 2729

Re: Early Soc Sec or spend down investments/assets?

"A bird in hand" is how I look at SS benefits. Even with good Pensions we took our Social Security as soon as it was available to us and invested it. Don't mind payin taxes either and our investments have grown exponentially over the years. I figured it was better to take the money now bec...
by SeeMoe
Sat Feb 25, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 52
Views: 4974

Re: Should we wait before buying in?

I've seen good posts where it is suggested that, say, 1/3 is invested in you choice of funds, then DCA the remainder over a period of months.. Who knows when this Bull Market retreats? I faced this same delimma several times over the years. THe most recent being in 2012 when I DCA'ed for a few month...
by SeeMoe
Fri Feb 24, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Ending a special needs trust.
Replies: 10
Views: 1233

Re: Ending a special needs trust.

A special needs trust will give the welfare recipients just enough allowed for by law. Anything over that the state takes. If just a lump sum, then the state will deduct benefits paid out over the years. That is my "laymans" understanding anyway. Be careful for what you wish for....> SeeMo...
by SeeMoe
Thu Feb 23, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement savings: Lots of $, job prospects weak
Replies: 36
Views: 4174

Re: Retirement savings: Lots of $, job prospects weak

How about joining the military for 3 years, and at ETS go to school free! All the while your $1 million is invested in, say, Vanguard total stock market and total international at 60/40 AA. Or do 20 years and have a small fortune , plus what you invested in the Gov. DCP programs. Then go to school f...
by SeeMoe
Thu Feb 23, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 7967

Re: New Boglehead Millionaire

Congratulations for a job well done, at a young age too! Personal note: We only began investing in our early 40's when the first T-IRA plans became available, followed shortly by the 457b plans that we took full advantage of due to the tax savings being the big drivers! By our late 50's we too becam...
by SeeMoe
Wed Feb 22, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 56
Views: 4859

Re: Is 60/40 too conservative for 31 year old?

60/40 was our AA goal for about 30 years of investing and the thing is " we slept well at night too!" As you know, " Fear and Greed" rules and can make investors do stupid stuff when either one pops up out of nowhere,...we gradually reduced the AA and just recently it was adjuste...
by SeeMoe
Tue Feb 21, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: How to Split Pension
Replies: 58
Views: 4343

Re: How to Split Pension

We both had those options from our jobs when we retired years ago. So we took lower payout options for mutual security down the road of life. Mine will pay her 100% of my pension, and hers would pay me 50% of her pension. It's insurance, and security as we age. Plus we continue investing for securit...
by SeeMoe
Mon Feb 20, 2017 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Leaving Vanguard Personal Advisory program
Replies: 26
Views: 3616

Re: Thinking of Leaving Vanguard Personal Advisory program

VPAS is one of the best for the money. They say that if one follows their folio recommendations the 0.30% annual fee pays for itself, and then some on a average.....year. Plus they don't panic when bad times suddenly pop up and do dumb panic stuff! Or make rash decisions on a hunch, Etc. Things to c...
by SeeMoe
Sat Feb 18, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: How do you invest the proceeds [from your RMD?]
Replies: 22
Views: 1950

Re: How do you invest the proceeds [from your RMD?]

We take the RMD's on a one time payout at the end of the year from our 100% bond T-IRA accounts, and the monies are automatically deposited into our taxable Vanguard Prime MM account. Our folio is 40/60 now, so during the year, if no big ticket items are on the horizon, those monies go into what is ...
by SeeMoe
Fri Feb 17, 2017 11:15 am
Forum: Investing - Theory, News & General
Topic: Interesting study on impact of providing investors feedback
Replies: 37
Views: 1584

Re: Interesting study on impact of providing investors feedback

I saw myself in that article over and over throughout my investing years. I finally had a wake up call , for a small fee that paid for itself many, many times over, after 18 years of DIY when I had a 1x folio analysis done by Vanguard Services. My crystal ball investing technique was shattered,..hop...

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