Search found 599 matches
- Fri Aug 02, 2019 8:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: Derogatory remark on Credit report
- Replies: 37
- Views: 5683
Re: Derogatory remark on Credit report
{Topic is now in Personal Finance (Not Investing).}
- Thu Aug 01, 2019 11:10 pm
- Forum: Personal Finance (Not Investing)
- Topic: Home Refinance help
- Replies: 4
- Views: 639
Re: Home Refinance help
{Topic is now in Personal Finance (Not Investing).}
- Thu Aug 01, 2019 10:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: Aggressive loan paydown on sub-2.5% fixed debt?
- Replies: 18
- Views: 1676
Re: Aggressive loan paydown on sub-2.5% fixed debt?
{Topic is now in Personal Finance (Not Investing).} viewforum.php?f=2
- Mon Jul 29, 2019 10:50 am
- Forum: Personal Finance (Not Investing)
- Topic: Handling Emergency to Emergency Fund
- Replies: 54
- Views: 4856
Re: Handling Emergency to Emergency Fund
{The discussion is veering off topic which is about refunding an emergency fund. Please stay on topic} Moderator Jbranx
- Sun Jul 28, 2019 11:44 pm
- Forum: Investing - Theory, News & General
- Topic: Is there a High Tech Bubble in S&P 500 & Total Market?
- Replies: 152
- Views: 13688
Re: Is there a High Tech Bubble in S&P 500 & Total Market?
{I merged this similar topic into here}
- Sun Jul 28, 2019 9:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medical insurance reimbursement for hernia surgery abroad
- Replies: 9
- Views: 1419
Re: Medical insurance reimbursement for hernia surgery abroad
{I deleted an off-topic comment. Rule 4 (b) rules#rule-4b discussions of the crimes, shortcomings or stupidity of other people, whether they be political figures, celebrities, CEOs, Fed chairmen, subprime mortgage borrowers, lottery winners, federal "bailout" recipients, poor people, rich people, etc. Of course, you are welcome to talk about the stupid financial things you have done.
- Sat Jul 27, 2019 11:57 pm
- Forum: Personal Consumer Issues
- Topic: RESOLVED: Non-lethal alternatives to firearms to defend against home invasions in Florida
- Replies: 113
- Views: 8481
Re: RESOLVED: Non-lethal alternatives to firearms to defend against home invasions in Florida
This thread has run its course and is locked (topic exhausted). See: Locked Topics
Moderators or site admins may lock a topic (set it so no more replies may be added) when a violation of posting policy has occurred. Occasionally, even if there are no overt violations of posting policy, a topic (or thread) will reach a point where the information content of the discussion has been essentially exhausted and further replies are much more likely to cause distress to the community than add anything of value.
- Sat Jul 27, 2019 2:28 pm
- Forum: Investing - Theory, News & General
- Topic: De-Risking and Diversification aren't the same thing.
- Replies: 107
- Views: 16492
Re: De-Risking and Diversification aren't the same thing.
LadyGeek, Nisiprius, jbranx, Vineviz, my fellow Americans, friends, Romans, countrymen, ladies and gentlemen, feel free to take my essential framework and build upon it. Again, it could go something like this: 1) The elements of diversification. 2) Methods Used to achieve diversification. 3) Risks that investors protect against with diversification. A discussion of John Bogle vs. Academic approaches to these issues. A We Report, You Decide Discussion. Okay to say that Boglehead philosophy favors simplicity, daily liquidity, and skepticism regarding models that promise better than market performance. A further discussion that there are at least three schools of thought here: 1) Straight market cap weighted indexing using Total Stock and Bon...
- Sat Jul 27, 2019 1:59 pm
- Forum: Investing - Theory, News & General
- Topic: De-Risking and Diversification aren't the same thing.
- Replies: 107
- Views: 16492
Re: De-Risking and Diversification aren't the same thing.
Here is a framework I would recommend to discuss diversification:... I like that a lot . I would probably add "sector diversification" since I think that is sort of what was meant by "diversification" in ye olde days, when an advisor might put a widow into 100% utilities. I don't have cable and wouldn't watch Jim Cramer anyway, but apparently a regular segment is called "Are You Diversified?" in which viewers phone in with a five-stock portfolio and he opines as to whether it is "diversified." I imagine that is basically sector diversification, does anyone know? It's interesting that two dictionary definitions actually call out the meaning of diversification in terms of "securities," i.e. s...
- Fri Jul 26, 2019 1:36 pm
- Forum: Personal Consumer Issues
- Topic: WiFi speed, is this normal?
- Replies: 39
- Views: 4491
Re: WiFi speed, is this normal?
I've experienced the same issues with various routers over the years. Upgraded to Eero mesh gen 1 and now gen 2 and have never experienced the problem. Direct connection on Cox with recommended Arris Surfboard gets me more than my speed of 300 MB sometimes; Wifi generally well over 250 MB or so anywhere in the house with 3 additional "beacons." Mesh is superb.
- Fri Jul 26, 2019 12:21 pm
- Forum: Personal Finance (Not Investing)
- Topic: Equifax settlement: how to file claim?
- Replies: 156
- Views: 18100
Re: Equifax settlement: how to file claim?
{Same topic merged here}
- Mon Jul 22, 2019 11:30 pm
- Forum: Investing - Theory, News & General
- Topic: ETF "Tax Efficiency" Quantified
- Replies: 57
- Views: 5369
Re: ETF "Tax Efficiency" Quantified
{I deleted multiple off-topic comments. If you have issues with posts or members, please report them to the Moderators rather than posting them in the thread}
- Fri Jul 19, 2019 5:22 pm
- Forum: Personal Investments
- Topic: Preferred Stock ETFS
- Replies: 3
- Views: 760
Re: Preferred Stock ETFS
I tend to like PFFD over PFF; bit lower ER and 6.4% of the fund are in the "L" series of Wells and Bank America; both of those are not apt to be called for a very long time. See this discussion in Philosophical Economics: http://www.philosophicaleconomics.com/2017/03/a-value-opportunity-in-preferred-stocks/. Both, however, are now almost 40% above the call price. The problem with preferreds are discussed in many threads here, but the immediate problem is that a great many are currently selling above the call price. PFFD, for example, since inception has not returned as much as its dividend; 4.25% return since inception in 2017: https://www.globalxetfs.com/funds/pffd/. I own both PFF and PFFD and some individual issues that I buy o...
- Fri Jul 19, 2019 12:44 am
- Forum: Personal Finance (Not Investing)
- Topic: What do I need to know about becoming a teacher in California?
- Replies: 32
- Views: 4335
Re: What do I need to know about becoming a teacher in California?
If you want to teach in a public school in California there are plenty of registration/licensing/certification requirements. Teaching in a private school in California depends on the requirements of that school. Someone that wants to teach and is qualified to teach can sometimes find employments in private school that don't have all the licensing and certification requirements. Yup, I’ve looked up those requirements and think I can get them. I’m leaning towards a public position because of the pension. Do you have any thoughts on the questions in the first post? Jacob, you may want to evaluate the Calstrs pension vs. your current career options if the pension is a prime motivator. I see online that the fund is currently only 65.5% funded. ...
- Thu Jul 18, 2019 9:42 pm
- Forum: Investing - Theory, News & General
- Topic: Anyone knows what happened to HedgeFundie's excellent adventure thread?
- Replies: 3
- Views: 1237
Re: Anyone knows what happened to HedgeFundie's excellent adventure thread?
{Topic is locked. OP's question has been answered. "Hedgefundie's Excellent Adventure" topic is here: viewtopic.php?t=272007
- Thu Jul 18, 2019 2:47 am
- Forum: Personal Finance (Not Investing)
- Topic: Post Daycare Finances
- Replies: 28
- Views: 3762
Re: Post Daycare Finances
{Topic is now in Personal Finance (Not Investing)
- Thu Jul 18, 2019 1:10 am
- Forum: Investing - Theory, News & General
- Topic: Study: The Rate of Return on Everything, 1870-2015
- Replies: 193
- Views: 42884
Re: Study: The Rate of Return on Everything, 1870-2015
{Topic is now in Investing--Theory, News&General} viewforum.php?f=10
- Thu Jul 18, 2019 12:47 am
- Forum: Investing - Theory, News & General
- Topic: Like in US, Small Group of Stocks Drive International Stock Returns
- Replies: 4
- Views: 11523
Re: Bessembinder Has New Study on International Stock Returns
Here's a concluding paragraph from the study: The result that the wealth created by stock market investing is largely attributable to positive outcomes to a relatively few stocks is relevant to the debate regarding active stock selection vs. the passive holding of broadly diversified stock indices. For those investors without a comparative advantage in identifying the few stocks that will create the most wealth (or in selecting a manager with the ability to do so) and without a substantial preference for positive skewness, the results reinforce the desirability of passive indexing. On the other hand, for the (presumably few) investors with the appropriate comparative advantage, the results highlight the degree to which successful stock sele...
- Thu Jul 18, 2019 12:38 am
- Forum: Investing - Theory, News & General
- Topic: Like in US, Small Group of Stocks Drive International Stock Returns
- Replies: 4
- Views: 11523
Re: Bessembinder Has New Study on International Stock Returns
Thanks very much, Aloha Joe. I only saw the link to the older study.AlohaJoe wrote: ↑Thu Jul 18, 2019 12:37 am The study: https://papers.ssrn.com/sol3/papers.cfm ... id=3415739
- Thu Jul 18, 2019 12:18 am
- Forum: Investing - Theory, News & General
- Topic: Like in US, Small Group of Stocks Drive International Stock Returns
- Replies: 4
- Views: 11523
Like in US, Small Group of Stocks Drive International Stock Returns
Prof. Bessembinder at Arizona State U. is apparently out with a new study that extends his study of US stock returns to international, per the below paragraph on Bloomberg tonight: Hendrik Bessembinder, a 62-year-old researcher in financial market design, and his team sifted through about 62,000 stocks traded in more than 40 countries between 1990 and 2018. Their finding: about 60% were such duds they did worse than one-month U.S. Treasury notes. The proportion was even greater than in the initial study, which focused on the U.S. I did a quick look at his website and on SSRN but didn't see a link to the study. Anyone else have one? Here's the link to the discussion on this forum to his study on US stocks: https://www.bogleheads.org/forum/vi...
- Wed Jul 17, 2019 11:37 pm
- Forum: Personal Consumer Issues
- Topic: Vancouver in October
- Replies: 10
- Views: 1222
Re: Vancouver in October
{Topic is now in Personal Consumer Issues}
- Wed Jul 17, 2019 10:44 pm
- Forum: Investing - Theory, News & General
- Topic: Fidelity Expands Their Index Fund Lineup
- Replies: 70
- Views: 13337
Re: Fidelity Expands Their Index Fund Lineup
Since it's an index they are matching, I don't see any reason to think they will not be able to do it well. Fidelity's expertise in both indexing and bond investing is state of the art as far as I can tell. I'm not as familiar with the Bloomberg/Barclay's muni index as I am the Barclay's Agg, but it should be just as robust as one from a ratings agency. Given how fast Fido has gathered assets for the zero index funds, i would think they will get enough money in the fund early on to do well.
- Wed Jul 17, 2019 9:33 pm
- Forum: Personal Investments
- Topic: TLH & Auto Reinvestment selected??
- Replies: 14
- Views: 1016
Re: TLH & Auto Reinvestment selected??
Welcome to the Forum! There are many threads on this topic that you can find in the search box at the top right. Yes, de-select auto investing to prevent a wash sale. Here's a link to a recent thread:
viewtopic.php?f=1&t=283019&hilit=tax+loss. And here is the topic in the Wiki:
https://www.bogleheads.org/wiki/Wash_sale
viewtopic.php?f=1&t=283019&hilit=tax+loss. And here is the topic in the Wiki:
https://www.bogleheads.org/wiki/Wash_sale
- Wed Jul 17, 2019 9:17 pm
- Forum: Investing - Theory, News & General
- Topic: Fidelity Expands Their Index Fund Lineup
- Replies: 70
- Views: 13337
Re: Fidelity Expands Their Index Fund Lineup
Fidelity has launched these funds. I just put in an order for FMBIX, the Fido Municipal Bond Index Fund tonight. I saw a news report on Bloomberg that they were launched. I didn't check the other funds, but I presume like the muni fund that about all the info currently available is a link to the prospectus. It's cost is the promised .07 bp; A. Johnson was quoted in the news piece saying the other offerings were cheaper than the funds from you know who. Any way to find out the SEC yield on FMBIX? It's probably going to be very close to the current SEC yield of VTEB: 1.92%. Duration seems to match with the S&P Muni Index Vanguard and Ishares MUB use. If they allow in the AMT bonds, they might pick up a little more yield. They are also do...
- Wed Jul 17, 2019 2:25 pm
- Forum: Personal Investments
- Topic: Counseling a Colleague About Their Financial Advisor
- Replies: 30
- Views: 2594
Re: Counseling a Colleague About Their Financial Advisor
This thread has run its course and is locked (topic exhausted). See: Locked Topics
Moderators or site admins may lock a topic (set it so no more replies may be added) when a violation of posting policy has occurred. Occasionally, even if there are no overt violations of posting policy, a topic (or thread) will reach a point where the information content of the discussion has been essentially exhausted and further replies are much more likely to cause distress to the community than add anything of value.
- Wed Jul 17, 2019 2:17 pm
- Forum: Personal Finance (Not Investing)
- Topic: in CA, what is the best way to save for kids college, in detail?
- Replies: 21
- Views: 1569
Re: in CA, what is the best way to save for kids college, in detail?
{Topic is now in Personal Finance}
- Wed Jul 17, 2019 3:24 am
- Forum: Personal Investments
- Topic: Fidelity zero-fee index fund questions
- Replies: 18
- Views: 4900
Re: Fidelity zero-fee index fund questions
{I merged dru808's post into here}
- Wed Jul 17, 2019 1:39 am
- Forum: Investing - Theory, News & General
- Topic: Fidelity Expands Their Index Fund Lineup
- Replies: 70
- Views: 13337
Re: Fidelity Expands Their Index Fund Lineup
Fidelity has launched these funds. I just put in an order for FMBIX, the Fido Municipal Bond Index Fund tonight. I saw a news report on Bloomberg that they were launched. I didn't check the other funds, but I presume like the muni fund that about all the info currently available is a link to the prospectus. It's cost is the promised .07 bp; A. Johnson was quoted in the news piece saying the other offerings were cheaper than the funds from you know who.
- Tue Jul 16, 2019 9:31 pm
- Forum: Investing - Theory, News & General
- Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
- Replies: 7737
- Views: 1337104
Re: The Final, Definitive Thread on Brokerage Transfer Bonuses
{I deleted an off-topic comment}
- Tue Jul 16, 2019 4:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: College cost prediction and savings for 5, 3, and newborn
- Replies: 102
- Views: 8044
Re: College cost prediction and savings for 5, 3, and newborn
{Topic is now in Personal Finance}.
- Tue Jul 16, 2019 1:51 am
- Forum: Personal Investments
- Topic: Switching from passive to active management
- Replies: 106
- Views: 11406
Re: Switching from passive to active management
{I deleted an off-topic post}
- Tue Jul 16, 2019 12:17 am
- Forum: Personal Investments
- Topic: Should I start indexing NOW in current Market?
- Replies: 33
- Views: 5612
Re: Should I start indexing NOW in current Market?
Welcome to the forum! If you haven't had a chance to check out the Wiki here, start with this link on the Boglehead's philosophy: https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy. One section there is on never trying to time the market. Just decide on your risk tolerance and allocation and control risk that way. It may be a good idea to buy only when the stock market is having a "sale" or correction, but that is when most investors tend to hide under the bed. Control your allocation and you won't have to worry too much about controlling your emotions. You have a lot more "human capital" in that teaching position than you will likely have in the stock/bond markets for quite some time, so you can affo...
- Mon Jul 15, 2019 11:59 pm
- Forum: Non-US Investing
- Topic: British Expat Tax Advice
- Replies: 8
- Views: 920
Re: British Expat Tax Advice
{Topic is now in Non-US Investing}
- Mon Jul 15, 2019 9:01 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks continue to soar!
- Replies: 22381
- Views: 2119345
Re: U.S. stocks continue to soar!
{I deleted two off-topic posts on international stock performance}.
- Mon Jul 15, 2019 2:27 am
- Forum: Investing - Theory, News & General
- Topic: Why factor investing isn't working
- Replies: 484
- Views: 36544
Re: Why factor investing isn't working
{The discussion is drifting away from the main topic: Why Factor Investing Isn't Working. Please stay on topic.}
- Mon Jul 15, 2019 2:03 am
- Forum: Investing - Theory, News & General
- Topic: Small Cap Value heads Rejoice !!!
- Replies: 5577
- Views: 618959
Re: Small Cap Value heads Rejoice !!!
{I deleted an off-topic comment about another member}.
- Sat Jul 13, 2019 11:38 pm
- Forum: Investing - Theory, News & General
- Topic: Study: The Rate of Return on Everything, 1870-2015
- Replies: 193
- Views: 42884
Re: Study: The Rate of Return on Everything, 1870-2015
{I merged No Simpler's topic into here that focused on the housing aspects of the same study}
- Sat Jul 13, 2019 11:12 pm
- Forum: Investing - Theory, News & General
- Topic: Study: The Rate of Return on Everything, 1870-2015
- Replies: 193
- Views: 42884
Re: New research on housing returns
Thanks. SimpleGifts's original post on this is over in the Non-US Forum; if no one objects, I'd like to merge this one over there.
- Sat Jul 13, 2019 10:58 pm
- Forum: Investing - Theory, News & General
- Topic: Study: The Rate of Return on Everything, 1870-2015
- Replies: 193
- Views: 42884
Re: New research on housing returns
Hi nosimpler, check to see if this thread covers the same topic: viewtopic.php?t=277535
- Sat Jul 13, 2019 10:12 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medicare did not approve the charge
- Replies: 31
- Views: 2376
Re: Medicare did not approve the charge
{Topic is locked--contentious, argumentative} This thread has run its course and is locked (topic exhausted). See: Locked Topics
Moderators or site admins may lock a topic (set it so no more replies may be added) when a violation of posting policy has occurred. Occasionally, even if there are no overt violations of posting policy, a topic (or thread) will reach a point where the information content of the discussion has been essentially exhausted and further replies are much more likely to cause distress to the community than add anything of value.
- Sat Jul 13, 2019 8:55 pm
- Forum: Personal Consumer Issues
- Topic: "Objective" Importance of Keeping Your Physicians?
- Replies: 63
- Views: 6600
Re: "Objective" Importance of Keeping Your Physicians?
{I deleted an off-topic medical comment}.
- Sat Jul 13, 2019 6:19 pm
- Forum: Personal Consumer Issues
- Topic: Car Rental in Europe--specifically Sicily
- Replies: 27
- Views: 2730
Re: Car Rental in Europe--specifically Sicily
{Topic is now in Personal Consumer Issues}
- Sat Jul 13, 2019 5:30 pm
- Forum: Personal Consumer Issues
- Topic: Safe DIY Spider Control
- Replies: 16
- Views: 1292
Re: Safe DIY Spider Control
{Topic is now in Personal Consumer Issues}
- Fri Jul 12, 2019 8:45 pm
- Forum: Personal Investments
- Topic: my mom is a "financial advisor"
- Replies: 66
- Views: 8868
Re: my mom is a "financial advisor"
{Topic is now in Personal Investments Forum} viewforum.php?f=1
- Fri Jul 12, 2019 7:06 pm
- Forum: Investing - Theory, News & General
- Topic: Index Fund Creator Jack Bogle Didn't Like ETFs Being Used For Speculation
- Replies: 84
- Views: 5876
Re: Index Fund Creator Jack Bogle Didn't Like ETFs Being Used For Speculation
{I merged another thread on Bogle's views on ETF's into here. The topic headline here has been changed to more fairly balance Bogle's statements on ETF's. Some of posts are contentious; to keep the thread open please remember forum guidelines on General Etiquette:} https://www.bogleheads.org/forum/rules#Moderation} Discussions should be conducted without fondness for dispute or desire for victory. - Benjamin Franklin This is a moderated forum. We expect this forum to be a place where people can feel comfortable asking questions and where debates and discussions are conducted in civil tones. Discussions are about issues, not people. If you disagree with an idea, go ahead and marshal all your forces against it. But do not confuse ideas with ...
- Thu Jul 11, 2019 3:05 pm
- Forum: Investing - Theory, News & General
- Topic: Retiring Early Correlates with Greater Longevity ?
- Replies: 47
- Views: 6199
Re: Retiring Early Correlates with Greater Longevity ?
{I deleted another off-topic health/medical comment} Note rules#rule-4c:
Medical Issues
Questions on medical issues are beyond the scope of the forum. If you are looking for medical information online, I suggest you start with the Medical Library Association's User's Guide to Finding and Evaluating Health Information on the Web which, in addition to providing guidance on evaluating health information, includes a list of their top recommended sites.
Medical Issues
Questions on medical issues are beyond the scope of the forum. If you are looking for medical information online, I suggest you start with the Medical Library Association's User's Guide to Finding and Evaluating Health Information on the Web which, in addition to providing guidance on evaluating health information, includes a list of their top recommended sites.
- Thu Jul 11, 2019 1:05 am
- Forum: Investing - Theory, News & General
- Topic: Retiring Early Correlates with Greater Longevity ?
- Replies: 47
- Views: 6199
Re: Retiring Early Correlates with Greater Longevity ?
{I deleted three off-topic health/medical comments.} The discussion is deteriorating; stay on topic
- Wed Jul 10, 2019 10:25 pm
- Forum: Personal Investments
- Topic: Anyone here investing in Prison REITs?
- Replies: 30
- Views: 3658
Re: Anyone here investing in Prison REITs?
{Topic is locked. Discussion has veered to off-topic political comments in violation of Forum Policies.} https://www.bogleheads.org/forum/rules#rule-4a. Politics and Religion In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited. The only exceptions to this rule are: Common religious expressions such as sending your prayers to an ailing member. Usage of factual and non-derogatory political labels when necessary to the discussion at hand. Discussions about enacted laws or regulations that affect the individual investor. Note that discussions of proposed laws or regulations are prohibited. Proposed regulations that are directly related to investing may be discussed i...
- Wed Jul 10, 2019 10:15 pm
- Forum: Personal Consumer Issues
- Topic: Drive to Olympic National Park from Midwest
- Replies: 26
- Views: 2870
Re: Drive to Olympic National Park from Midwest
{Topic is now in Personal Consumer Issues--travel} viewforum.php?f=11
- Wed Jul 10, 2019 6:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: Comparing Pay with Benefits to without
- Replies: 8
- Views: 995
Re: Comparing Pay with Benefits to without
{Topic is now in Personal Finance (Not Investing)}