Search found 71 matches

by sleepysurf
Mon Mar 20, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9289

Re: Anyone else taking less risk

Went from 60/40 to 50/50 over the past year, but just following my updated IPS, anticipating retirement next year, and wanting a better "sleep well at night" allocation.
by sleepysurf
Mon Mar 20, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: Superb annual "asset class performance" chart by Ben Carlson
Replies: 0
Views: 326

Superb annual "asset class performance" chart by Ben Carlson

Here's his annual ranking chart for 2016 asset classes, along with 10 yr ranking. Unlike some others, this one includes REITS.

http://awealthofcommonsense.com/2017/03 ... -for-2016/
by sleepysurf
Tue Jan 10, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: Unsolicited Wall Street Journal
Replies: 2
Views: 487

Re: Unsolicited Wall Street Journal

We had this exact situation a couple years ago. Turns out our son (who lives in D.C.) had gotten a free WSJ subscription offer and submitted our address, thinking we'd get more use out of it than he would! We thanked him, but told him to cancel the free trial before he'd start getting billed.
by sleepysurf
Sun Jan 01, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Audiophiles help me with setup
Replies: 48
Views: 3669

Re: Audiophiles help me with setup

Audiophiles help me. Record player vs iTunes vs Streaming? Sonos speakers vs others? I've heard record players have the best sound quality but are a hassle. Streaming services are higher quality now. You need to clarify your goal... -Single room vs. multiple room audio -True "audiophile" ...
by sleepysurf
Fri Dec 16, 2016 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital.com
Replies: 16
Views: 2316

Re: Personal Capital.com

It's been a known issue since 12/5. You can keep checking this link for an update if/when fixed... https://support.personalcapital.com/hc/en-us/sections/200564554-Known-Issues This is the longest time (in the past 2 years I've been using it) that it's had issues with Vanguard. Pretty frustrating, as...
by sleepysurf
Sun Dec 11, 2016 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation and long term market declines.
Replies: 19
Views: 2298

Re: Asset Allocation and long term market declines.

Paul Merriman has a table on his website with that information (since 1970), however, it's based on his "sliced and diced" Ultimate Buy & Hold Portfolio... http://paulmerriman.com/fine-tuning-ass ... bles-2016/

Still very useful!
by sleepysurf
Thu Dec 08, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: Double Oven Ranges
Replies: 13
Views: 1117

Re: Double Oven Ranges

If, by chance, you are getting new appliances all the way around, another option is to get something like a GE Advantium (microwave, convection oven combo). We have a GE Monogram gas range (with large single oven), and use the Advantium as a secondary oven (occasional use).
by sleepysurf
Sat Nov 19, 2016 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 3458

Re: Strategy for TLH Munis in Taxable?

FYI, pulled the trigger today, and sold all negative lots except for 10/31 reinvested dividends. Curious why you didn't sell this? It was a negative lot too, and would seem to me to be a wash sale. Actually, I was just curious to see what would happen, as that 10/31 dividend was a small amount. Her...
by sleepysurf
Thu Nov 17, 2016 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 3458

Re: Strategy for TLH Munis in Taxable?

FYI, pulled the trigger today, and sold all negative lots except for 10/31 reinvested dividends. Prior to that, spoke with my Vanguard Flagship Rep who was very helpful. She confirmed no major issue even if I had included that last distribution, as Vanguard would have flagged it, and recalculated ne...
by sleepysurf
Wed Nov 16, 2016 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 3458

Re: Strategy for TLH Munis in Taxable?

... All lots are negative, so im selling all and dont care about turning off dividend reinvestment. That's fine if you are selling all shares, as there won't be any subsequent dividends to trigger the "wash rule." However, for those of us TLH'ing only some shares, reinvesting dividends fr...
by sleepysurf
Wed Nov 16, 2016 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 3458

Re: Strategy for TLH Munis in Taxable?

I, too, am about to TLH from Int Term Tax-Exempt (VWIUX). However, I'd like some clarification before pulling the trigger. I've been automatically reinvesting dividends, but turned that off today. The most recent dividends were paid 10/31. I presume I'm OK if I sell ONLY Specific ID lots acquired pr...
by sleepysurf
Sat Nov 12, 2016 2:32 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 12382

Re: Anybody regretting holding on to your REITS?

cutehumor wrote:... sell if your (sic) in retirement.


Why sell if you're in retirement? Anybody holding them knows that REITS are volatile, but their lesser correlation with equities is why we hold them in a buy and hold (and rebalance) strategy. Even in retirement, one should plan for a 30+ year time frame.
by sleepysurf
Sun Oct 02, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Satisfaction with Water Rower machines?
Replies: 5
Views: 872

Re: Satisfaction with Water Rower machines?

I've been using a WaterRower for about 5 yrs, and love it. As mentioned, it's "furniture quality" and very quiet (I can watch TV while rowing). Only issue, as mentioned above, is that the tank seam just gave out. WaterRower sent me the "new and improved" adhesive. Will probably t...
by sleepysurf
Wed Sep 21, 2016 9:16 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 37541

Re: The Bogleheads' "100 Things Worth Every Penny" List

A good two channel stereo setup.
A properly fitted bicycle.
by sleepysurf
Tue Aug 16, 2016 7:37 am
Forum: Personal Finance (Not Investing)
Topic: The global Bogle
Replies: 1
Views: 362

Re: The global Bogle

He succinctly distills the Boglehead philosophy down to a 2 fund portfolio! Superbly done! Thanks for sharing!
by sleepysurf
Sun Jul 17, 2016 12:31 pm
Forum: Personal Consumer Issues
Topic: Kitchen Faucet & Sink recommendations?
Replies: 36
Views: 2498

Re: Kitchen Faucet & Sink recommendations?

We love our Kohler (Indio) sink. However, stay away from the newfangled faucets with electronic "touch on-off." We bought a Brizo faucet with that feature, and it's been a nightmare. After failing three times in 3 years, we gave up, and had a plumber bypass the electronic on-off.
by sleepysurf
Thu Jun 30, 2016 8:42 am
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 68
Views: 10401

Re: Tampa Bay Local Bogleheads Chapter

Likewise nice meeting you all. Hopefully more Tampa Bay "lurkers" will get actively involved with our local chapter!
by sleepysurf
Fri May 27, 2016 3:20 pm
Forum: Personal Consumer Issues
Topic: Ideas for 1 day in or near Orlando
Replies: 12
Views: 751

Re: Ideas for 1 day in or near Orlando

If you'd like kayaking, canoeing, or paddle boarding, check out the Paddle Center at Shingle Creek. It's a real hidden gem!
by sleepysurf
Tue May 24, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: Bikes
Replies: 70
Views: 4294

Re: Bikes

I agree that if you just plan leisure riding, buying used is the best value. However, I don't believe anybody mentioned the importance of checking the frame integrity. Higher-end bikes with carbon fiber composite fork (+/- frame) can be damaged from previous falls, and potentially dangerous if not p...
by sleepysurf
Mon Apr 11, 2016 9:06 pm
Forum: Personal Consumer Issues
Topic: Great Deal on Quicken 2016 Home & Business
Replies: 13
Views: 1446

Re: Great Deal on Quicken 2016 Home & Business

Thanks for the heads up! However, is the Home & Business version backward compatible to Deluxe or Premier?

If not, could it be that the new (private equity) owners want to "lock us" into the more expensive version for all future upgrades?
by sleepysurf
Sat Mar 19, 2016 2:49 pm
Forum: Investing - Theory, News & General
Topic: What bond funds do you use, and why?
Replies: 55
Views: 4905

Re: What bond funds do you use, and why?

Age 61. Overall 55% Equity 45% Bonds/CD's. Bond funds in taxable- 1/3 Vanguard Short Term and 2/3 Intermediate Term Tax Exempt. Bond funds in tax deferred- currently only Vanguard Total Bond Market, but might convert 1/3 to Intermediate Term Corporate, to tilt away from Total Bond's Treasury-centric...
by sleepysurf
Sat Feb 20, 2016 11:06 am
Forum: Investing - Theory, News & General
Topic: MarketWatch's slice and dice portfolio
Replies: 17
Views: 2288

Re: MarketWatch's slice and dice portfolio

...I hope he'll someday do a column or podcast comparing the long-term performance (net fees) of those contrasting approaches. Hah! I somehow missed this article last year where he specifically compared his "buy and hold" performance vs. "mechanical market timing" vs. a hybrid p...
by sleepysurf
Sat Feb 20, 2016 8:16 am
Forum: Investing - Theory, News & General
Topic: MarketWatch's slice and dice portfolio
Replies: 17
Views: 2288

Re: MarketWatch's slice and dice portfolio

I'm a big fan of "slicing and dicing" and my taxable portfolio is modeled after those espoused by Paul Merriman and Bill Schultheis (my tax deferred is a variant of 3 fund portfolio). Paul is sometimes a bit too evangelical in his MarketWatch columns and blog posts (podcasts too), but he's...
by sleepysurf
Tue Jan 05, 2016 9:14 pm
Forum: Personal Consumer Issues
Topic: Waste of money? [High-end home theater]
Replies: 151
Views: 11577

Re: Waste of money? [High-end home theater]

LadyGeek wrote:Dare I spot a tube preamp sitting in the right corner?


OMG! There are, like, 10 female audiophiles on the planet, and LadyGeek appears to be one of them! :D
by sleepysurf
Tue Jan 05, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: Waste of money? [High-end home theater]
Replies: 151
Views: 11577

Re: Waste of money?

If you have the "audiophile" bug (playing LP's or CD's/lossless FLAC), I would devote at least 40-50% of your budget for the speakers, with the majority for the front pair (and matched center for preserved tonality). Ditto for buying used on Audiogon (maybe even Craigslist). Another import...
by sleepysurf
Fri Jan 01, 2016 7:38 pm
Forum: Investing - Theory, News & General
Topic: Kitces analysis of rebalancing pros/cons
Replies: 4
Views: 677

Kitces analysis of rebalancing pros/cons

Another great analysis by Michael Kitces, this time explaining why rebalancing is more of a Risk Management tool, vs something to enhance total portfolio returns... https://www.kitces.com/blog/how-rebalancing-usually-reduces-long-term-returns-but-is-good-risk-management-anyway/ He states that enhanc...
by sleepysurf
Mon Nov 09, 2015 8:15 am
Forum: Personal Consumer Issues
Topic: Watch under $100
Replies: 46
Views: 5089

Re: Watch under $100

I love my Casio Waveceptor Solar watch. Battery stays charged with solar power (even with fluorescent lights) and it synchronizes nightly with the atomic clock (must be facing a window). Various styles to choose from. Mine is 5 years old and still looks brand new.
by sleepysurf
Sat Oct 24, 2015 8:28 am
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 14862

Re: Guilty pleasures?

High end audio for me too (Conrad Johnson pre and amp, ML Summit electrostatic speakers)! However, in true Boglehead fashion, purchased used from Audiogon. Cost... less than 60% of retail. Value for enjoyment and stress reducing... PRICELESS!
by sleepysurf
Mon Oct 19, 2015 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum and Done for 529 best option?
Replies: 14
Views: 1922

Re: Lump Sum and Done for 529 best option?

Why didn't you use the money for room and board and other expenses not covered by a full tuition scholarship? Also, why didn't you withdraw given the scholarship loophole for the penalty? Rather let it compound and use it for grad school? We did withdraw room and board $$ from the 529 plan, but it ...
by sleepysurf
Sun Oct 18, 2015 6:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Partnering with Yodlee
Replies: 153
Views: 25400

Re: Vanguard Partnering with Yodlee

During the Bogleheads 2015 visit to Vanguard headquarters, I asked the guys at the "Digital" station about the Yodlee integration rumor. They confirmed that it's a work in progress, but probably not rolling out until the end of 2015, or early 2016.
by sleepysurf
Sun Oct 18, 2015 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum and Done for 529 best option?
Replies: 14
Views: 1922

Re: Lump Sum and Done for 529 best option?

I live in FL and "lump summed" $$ into the (Vanguard administered) Nevada 529 plan for my (then) 14 year old daughter. Fortunately, that was 2009, so I never regretted it, despite having fewer years for accumulation. I had previously purchased the FL Prepaid Tuition Plan, and she also ende...
by sleepysurf
Sun Oct 18, 2015 9:21 am
Forum: Investing - Theory, News & General
Topic: Any books for how people become wealthy?
Replies: 67
Views: 8098

Re: Any books for how people become wealthy?

Warren Buffet's father was a congressman back when insider trading wasn't regulated. Warren Buffet obtained a million dollar inheritance from his Father and many benefits... According to Warren Buffett's Wikipedia entry, he basically started his investing career with $9,800 of his own savings (no m...
by sleepysurf
Fri Oct 16, 2015 3:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Bogleheads Conference 2015!
Replies: 49
Views: 5651

Re: Thank you Bogleheads Conference 2015!

Kudos to everybody who organized and coordinated this event. My wife and I were first-time attendees, and the whole meeting far exceeded our expectations. Jack, and the various speakers/panelists were superb, and we thank them all for sharing their wisdom. Despite being relatively new Bogleheads, we...
by sleepysurf
Fri Oct 02, 2015 7:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Partnering with Yodlee
Replies: 153
Views: 25400

Re: Vanguard Partnering with Yodlee

Has anybody else (besides the OP) received an email (or verbal confirmation), that Vanguard is, indeed, integrating Yodlee into Portfolio Watch? I was hoping to receive a similar email by now, but nothing yet.
by sleepysurf
Wed Sep 30, 2015 5:02 pm
Forum: Investing - Theory, News & General
Topic: Best way to assess portfolio value
Replies: 5
Views: 502

Re: Best way to asses portfolio value

Somebody, in another thread, mentioned they had received an email notice that Vanguard will be integrating Yodlee (the same back end financial aggregator as Personal Capital) into Portfolio Watch. If so, that will provide full portfolio analysis capability. However, thus far, I've not received any e...
by sleepysurf
Tue Sep 29, 2015 8:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Partnering with Yodlee
Replies: 153
Views: 25400

Re: Vanguard Partnering with Yodlee

That's GREAT news! Vanguard has really been lagging the competition in that functionality. In fact, I recently started using the free Personal Capital app to have a more fully integrated picture of my asset allocation across multiple accounts. Personal Capital uses Yodlee as the back end, and it's f...
by sleepysurf
Sat Sep 26, 2015 8:15 am
Forum: Personal Consumer Issues
Topic: Setup Simple, Easy to Use Website [DIY Website development]
Replies: 16
Views: 2071

Re: Setup Simple, Easy to Use Website

Check out Meetup dot com. It's an online social media platform for clubs, organizations, etc. with fairly robust organizational tools. It's free for registered members, but the Group/Organizer pays ~$180/yr annual fee. If you need privacy, it can be configured as a private/restricted group not open ...
by sleepysurf
Fri Sep 25, 2015 10:13 am
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 68
Views: 10401

Re: Tampa, FL Chapter

My wife (a Boglehead neophyte) and I are in the Tampa Bay area and would likewise be interested in a local chapter. Unfortunately, I'm working long hours and many weekends, so attendance might be sporadic for the next few months.
by sleepysurf
Thu Sep 24, 2015 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: What is the point of a Flagship Representative?
Replies: 69
Views: 9485

Re: What is the point of a Flagship Representative?

Vanguard's online appointment system works great for scheduling a call back from your designated Flagship Rep. You can select a 15 or 30 min talk time, and describe what the call is about. I've even emailed them supporting documents in advance, so they can do any necessary research and answer all my...
by sleepysurf
Sun Sep 06, 2015 8:29 am
Forum: Investing - Theory, News & General
Topic: Got a Question for the Jack Bogle Q&A @ Bogleheads Conference?
Replies: 66
Views: 13426

Re: Got a Question for the Jack Bogle Q&A @ Bogleheads Conference?

I'd like to hear John's take on Tax Loss Harvesting, and if/when it's worth the effort for small, medium, or large sized portfolios.
by sleepysurf
Sun Aug 30, 2015 2:44 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 143
Views: 11986

Re: Aug 2015 correction: what Bogleheads did...

Fortunately for me, I had just received a fairly large cash distribution (business related) ~2 weeks ago, and planned on lump sum investing 50% into my slice and dice taxable account, and DCA'ing the rest over next 12 mo. I hadn't planned on timing the market, but the "sale" fell into my l...
by sleepysurf
Sun Jul 19, 2015 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Index Fund Monte Carlo Simulation link?
Replies: 8
Views: 954

Re: Index Fund Monte Carlo Simulation link?

cFIREsim is also excellent (and still being actively maintained/improved). If you register (free), you can save (and tweak) multiple simulations.
by sleepysurf
Fri Jul 03, 2015 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: How to check annualized return
Replies: 15
Views: 1493

Re: How to check annualized return

I still have a couple of accounts at Schwab, linked to a (soon to be Ex-) Financial Advisor. The advisor sends me quarterly reports of performance, but no way to really confirm her numbers. I called Schwab and asked why they don't offer cumulative performance metrics on their website. I was told the...
by sleepysurf
Fri Jun 05, 2015 6:37 pm
Forum: Personal Consumer Issues
Topic: What do you do to relax just after returning from work
Replies: 59
Views: 7872

Re: What do you do to relax just after returning from work

Your wife must be quite the character: Dr. Jekyll is the civilized one, Mr. Hyde is the villain.


'Twas meant tongue in cheek, as I'm a Physician. Let me rephrase it as transforming from Dr. Hyde to Mr. Jekyll, though my wife might suggest there are times when the former was correct! :D
by sleepysurf
Fri Jun 05, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: What do you do to relax just after returning from work
Replies: 59
Views: 7872

Re: What do you do to relax just after returning from work

An hour long bike ride (back roads in my neighborhood) is my preferred way to relax after a hard days work. If I'm unable to ride, I use my WaterRower, or crank up the stereo and "chill" for a bit. These all help me transition from Dr. Jekyll to Mr. Hyde, so my wife can tolerate me the res...
by sleepysurf
Wed Apr 29, 2015 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Bond Question
Replies: 15
Views: 1806

Re: Bond Question

Personally, I don't like the Total Bond Index. It has government, corporate, and junk bonds. It has short, medium, and high yield... Just a point of correction. Vanguard Total Bond does not hold "Junk Bonds." It's lowest rated Bond holdings are Baa (currently 13.5%). Personally, I use Tot...
by sleepysurf
Tue Apr 28, 2015 10:48 am
Forum: Investing - Theory, News & General
Topic: Analysis of TIAA-CREF Active vs. DFA and Vanguard
Replies: 8
Views: 1293

Analysis of TIAA-CREF Active vs. DFA and Vanguard

Another great analysis of active vs. passive by Larry Swedroe... http://www.advisorperspectives.com/news ... rategy.php

Guess which strategy has best overall performance for this 10 year period?
by sleepysurf
Sun Apr 12, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 52
Views: 6208

Re: Kitchen upgrade - granite selection help

I agree with searching on Houzz for color matching ideas. Another option, which hasn't been mentioned, is to use a matte or "leather" finish granite, which is unpolished. It's a completely different look than the typical polished granite, with more muted tones. We discovered that option wh...
by sleepysurf
Sat Apr 11, 2015 6:21 am
Forum: Personal Finance (Not Investing)
Topic: When to give adult children their inheritance?
Replies: 57
Views: 9747

Re: When to give adult children their inheritance?

I recently grappled with this question when updating my Trust/Estate Plan... I earmarked an annual "stipend" of $XX,000 (with COLA adjustments) to supplement her annual income, and $10,000 more annually if she starts Grad School (in an accredited program), then an additional $10,000 annua...
by sleepysurf
Mon Apr 06, 2015 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: When to give adult children their inheritance?
Replies: 57
Views: 9747

Re: When to give adult children their inheritance?

I recently grappled with this question when updating my Trust/Estate Plan. Rather than giving my (currently 22 y/o) daughter lump sum distributions at various ages, I earmarked an annual "stipend" of $XX,000 (with COLA adjustments) to supplement her annual income, and $10,000 more annually...

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