Search found 88 matches

by sleepysurf
Tue Oct 31, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Using PersonalCapital, Mint, etc.... - and fraud concerns
Replies: 22
Views: 1681

Re: Using PersonalCapital, Mint, etc.... - and fraud concerns

I posted this link re Personal Capital security measures in a previous thread... https://www.personalcapital.com/financial-software/security Personally, I feel MORE secure using Personal Capital/Yodlee for account aggregation, as I've enabled 2 factor authentication, and opted in for their daily ema...
by sleepysurf
Tue Oct 31, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Get Lexus service at Toyota and save?
Replies: 29
Views: 1792

Re: Get Lexus service at Toyota and save?

I've always taken my 2010 Lexus hybrid to local Toyota dealer for service. Typically <50% of the price for comparable Lexus service, and haven't had any issues. They even send me discount coupons specifically for my Lexus. They stamp my paper service record, and I manually enter the service dates in...
by sleepysurf
Mon Oct 23, 2017 8:37 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 189
Views: 27443

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Did Rick Ferri attend?
by sleepysurf
Wed Oct 18, 2017 8:04 am
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 107
Views: 7070

Re: How does everyone keep track of your portfolio?

... What I don't like about PC is that if keeps your cash separate from investments for overall portfolio... FYI, Personal Capital now has a checkbox, in the account "Edit" mode, where you can designate Bank Accounts (cash, CD's, etc.) to be included in your overall investment portfolio, for your t...
by sleepysurf
Sun Oct 15, 2017 9:32 pm
Forum: Investing - Theory, News & General
Topic: Jumbo 30mo CD 2.78%
Replies: 5
Views: 1898

Re: Jumbo 30mo CD 2.78%

Thanks! This looks like the best CD rate since the Andrews Federal deal ended earlier this year. GTE only has a "B" financial rating at DepositAccounts, but they've been around a long time in the Tampa Bay area. The add-on option is also a nice perk.
by sleepysurf
Sun Oct 08, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Most expensive gel car battery or cheapest? How often?
Replies: 32
Views: 2051

Re: Most expensive gel car battery oe cheapest? How often?

... the best battery failure insurance may be a set of 6 gauge or thicker(smaller gauge #) copper jumper cables with good clamps. I think modern cars drain their batteries when not driven for a few weeks worse than older cars did because of modern electronics memories that stay on constantly... Tru...
by sleepysurf
Sat Oct 07, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping Tabs on Investment Accounts
Replies: 13
Views: 1207

Re: Keeping Tabs on Investment Accounts

For those of you tracking your investment/bank accounts with Personal Capital (via Yodlee), you can opt-in for a daily email summary of all transactions... https://support.personalcapital.com/hc/en-us/articles/201169780-Daily-Email-Your-continuous-Money-Monitor For those concerned about security wit...
by sleepysurf
Thu Oct 05, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: Are stocks going up only because all the alternatives are lousy?
Replies: 45
Views: 4818

Re: Are stocks going up only because all the alternatives are lousy?

Some pundits, such as Edward Yardeni, are calling this a market "meltup," presumably due to continued strong earnings... https://www.cnbc.com/2017/07/28/market-melt-up-could-push-stocks-to-new-records-yardeni-says.html Personally, I'm starting to think about Buffett's "be fearful when others are gre...
by sleepysurf
Wed Sep 13, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 4480

Re: Large portable generator vs. permanent natural gas generator for home

The gas grid relies on electric pumps to maintain pressure and integrity - once optimum pressure was lost the gas lines had ice crystallization in many places and it took weeks to get them back online. Here is one article that speaks about these situations and weakness's..... https://www.forbes.com...
by sleepysurf
Tue Aug 15, 2017 11:41 am
Forum: Investing - Theory, News & General
Topic: REITs a disappointment, yet still useful
Replies: 20
Views: 3251

Re: REITs a disappointment, yet still useful

I posted this in another REIT thread, but more relevant here... FWIW, Berkshire Hathaway recently invested $377 million in a REIT (Store Capital)... https://www.cnbc.com/2017/06/26/warren-buffetts-berkshire-hathaway-takes-stake-in-reit-store-capital.html I presume they see some long term value there...
by sleepysurf
Tue Aug 15, 2017 5:58 am
Forum: Investing - Help with Personal Investments
Topic: REIT
Replies: 52
Views: 3815

Re: REIT

FWIW, Berkshire Hathaway recently invested $377 million in a REIT (Store Capital)... https://www.cnbc.com/2017/06/26/warren- ... pital.html

I presume they see some long term value there!
by sleepysurf
Sun Aug 06, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Selected photos from my ride across Western Europe -- Amsterdam to Passau, Germany
Replies: 21
Views: 2223

Re: Selected photos from my ride across Western Europe -- Amsterdam to Passau, Germany

Incredible adventure and photos! You're an inspiration!

My wife and I are planning a Backroads biking vacation in Banff/Canadian Rockies next year!
by sleepysurf
Wed Aug 02, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Cheap notebook for surfing/watching videos
Replies: 18
Views: 1683

Re: Cheap notebook for surfing/watching videos

I'm reading this thread, and posting, from my Asus Chromebook, with full keyboard and touchscreen, plus ability to rotate screen 360 degrees so it also works as a tablet. Highly recommended for email, web surfing, and watching online videos. Can also download and run some apps/games from the Google ...
by sleepysurf
Thu Jul 27, 2017 12:32 pm
Forum: Investing - Theory, News & General
Topic: Investing/ Finance podcasts
Replies: 16
Views: 1564

Re: Investing/ Finance podcasts

Many great podcast suggestions here. I'm a big fan of Paul Merriman and Dough Roller (and they've started teaming up on some podcasts)! Some additional tips... Download the podcasts via wi-fi in advance, to avoid cell data charges while driving. Also, you can squeeze in more podcasts by listening at...
by sleepysurf
Sun Jul 16, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3652

Re: Urgent 1st world problem [coffeemaker]

I pre-ordered one of the Spinn centrifugal grinder/coffee-maker, which got lots of internet hype, but still hasn't shipped... https://www.spinn.com/ Looks good in theory, but they recently announced they're ~6 mo behind in development, with manufacturing still on hold. Time will tell if it was just ...
by sleepysurf
Sat Jul 01, 2017 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Grandson's request for advice
Replies: 37
Views: 3848

Re: Grandson's request for advice

How about offering a 50% match for his initial investment *IF* he goes with the S&P 500 or Total Stock Index ETF, but offer a 100% match if he also reads William Bernstein's If You Can?
by sleepysurf
Sun Apr 30, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting Tax Guide - 2017
Replies: 18
Views: 3151

Re: Interesting Tax Guide - 2017

The author, Bill Harris, WAS the CEO of Personal Capital, but he just stepped down. He also formerly headed Intuit and PayPal, so should be a useful read!
by sleepysurf
Mon Mar 20, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 11720

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: 496

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: 556

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: 4231

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: 2896

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... m 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 I use their overall asset allocation chart to help with rebalancing. Might...
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: 2596

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: 1461

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: 4028

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: 4028

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: 4028

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: 4028

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: 13981

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: 1301

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: 42448

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: 383

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: 2907

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: 12168

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: 804

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: 4999

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: 1629

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: 5595

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: 2553

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: 2553

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: 12740

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: 12740

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: 742

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... m He states that enhanced returns (if any) are more likely to occur when rebalancing between equity sub-classes, so perhaps more of a b...
by sleepysurf
Mon Nov 09, 2015 8:15 am
Forum: Personal Consumer Issues
Topic: Watch under $100
Replies: 46
Views: 5709

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: 16540

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: 2016

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: 27213

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: 2016

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: 8538

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: 5980

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...