Search found 14 matches

by pragmatist
Sat Jun 30, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Bogleheads approach to hair loss?
Replies: 15
Views: 957

Re: Bogleheads approach to hair loss?

He is probably talking about Finasteride, though the side effects can be worse in some men.
by pragmatist
Sat Jun 23, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Diversification, Long Before Mr. Markowitz
Replies: 37
Views: 2245

Re: Portfolio Diversification, Long Before Mr. Markowitz

"The owl of Minerva takes its flight only when the shades of night are gathering." G.W.F. Hegel
by pragmatist
Wed May 23, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard mobile check deposit
Replies: 1
Views: 526

Re: Vanguard mobile check deposit

They recently changed the language on their mobile check FAQ page to indicate that the mobile deposit function IS working for brokerage accounts (previously it said no - but we hope to offer this soon). I wonder if they jumped the gun on the update and will release this feature soon.
by pragmatist
Sat Apr 07, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15927

Re: Parents have zero savings. What can I do?

Your options are 1. Help them now, when it's hard to get them to agree but easier to mitigate and perhaps less costly to you. 2. Help them later when it's easier to get them to agree but they have already become permanently insolvent, this will inevitably cost you money or more precious resources. 3...
by pragmatist
Mon Jun 26, 2017 7:38 pm
Forum: Investing - Theory, News & General
Topic: Total World expense ratio lowered
Replies: 38
Views: 8860

Re: Total World expense ratio lowered

As an update to the OP, the semiannual report suggests that the expense ratio has remained at .11% and .21% for the etf and investor shares, respectively. This suggest to me that the expense ratio may not continue to fall as quickly in the future. If only they would use Total World in funds of funds...
by pragmatist
Sat Jun 24, 2017 11:10 pm
Forum: Investing - Theory, News & General
Topic: Total World expense ratio lowered
Replies: 38
Views: 8860

Re: Total World expense ratio lowered

Is there any reason to expect Vanguard to NOT offer admiral shares for a fund that both has investor shares and an ETF? Is there a precedent that has been around longer than Total World, particular an index fund?
by pragmatist
Thu Apr 27, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Investing cash short term set aside for roth contributions while in grad school
Replies: 15
Views: 1122

Re: Investing cash short term set aside for roth contributions while in grad school

As far as I know, the IRS does not allow in-kind transfers from taxable to IRA. Only cash contributions are allowed.
Pragmatist
by pragmatist
Sun Apr 09, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Using my local bank ATM chip card for Euros
Replies: 15
Views: 1196

Re: Using my local bank ATM chip card for Euros

Charles Schwab bank and/or brokerage would charge no exchange fees and reimburse ATM fees. There is a hard credit pull for opening an account. Free checks and billpay with no fees. Great service with little or no pressure to use other services.
by pragmatist
Fri Feb 24, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: Total World expense ratio lowered
Replies: 38
Views: 8860

Total World expense ratio lowered

Vanguard Total World Stock Index Fund now reflects the expense ratios from the recent annual report: .11 for the ETF and .21 for the investor shares mutual fund. Hopefully, Vanguard will soon offer admiral shares for this marvelous fund. I have not looked at other funds to see if they have also been...
by pragmatist
Wed Jan 04, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Best index fund that covers global stocks? [Euro investor]
Replies: 16
Views: 2153

Re: Best index fund that covers global stocks?

If they follow the usual procedure, the ER will soon be 11% for VT and 21% for VTWSX, since those are the numbers included in the recent annual report. Ideally, the mutual fund will get admiral shares within the next few years. I am not exactly sure what the hold-up is for those anyway.
by pragmatist
Mon Jan 02, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 119
Views: 31561

Re: Vanguard's new security key option

It's a bummer about the need to preserve the sms option. I think they clearly are trying to avoid higher call volume by making sms authentication always available for login. The key option is nice anyway. The key can be configured to add a long (15+ char) static password that I don't know, which I c...
by pragmatist
Sat Dec 31, 2016 9:27 am
Forum: Investing - Theory, News & General
Topic: VG & other firms with security
Replies: 2
Views: 558

Re: VG & other firms with security

And now they have 2fa with yubikey (a usb stick), though they make you keep SMS text as a backup.
by pragmatist
Sat Dec 10, 2016 12:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 119
Views: 31561

Re: Vanguard's new security key option

The newer ones can be quite expensive, but they can be used for multiple websites. It seems the improvement from SMS to hardware may be worth it, though Vanguard makes you retain SMS as a backup, at least for now.

Pragmatist
by pragmatist
Fri Dec 09, 2016 4:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 119
Views: 31561

Vanguard's new security key option

Hey everyone,

I just noticed a new "security key" option in the account maintenance page. It appears that Vanguard now supports hardware multi-factor authentication using Yubikey, though you have to purchase them elsewhere.

Pragmatist