Search found 1479 matches

by stevewolfe
Thu May 05, 2016 5:33 pm
Forum: Investing - Theory, News & General
Topic: Does T.R. Price add value for its investors
Replies: 20
Views: 2103

Re: Does T.R. Price add value for its investors

Couldn't help noticing that Larry didn't examine the performance of TRP capital appreciation which might be the most often owned TRP fund of people who visit this site. I assume the problem is that it is not comparable to any index fund or even a 60-40 mix which might be a reasonable comparison) Ag...
by stevewolfe
Tue May 03, 2016 6:35 pm
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 44
Views: 5463

Re: I Bond rates for May 1 announced

Why is the Treasury keeping the fixed rate so low? It seems if they want people to save money in these bonds, they would make the return more attractive. Who wants to buy I bonds at these rates? Doesn't the treasury want to sell these? I will keep track of savings bonds sales this year and see if t...
by stevewolfe
Wed Apr 27, 2016 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: if you HAD to pick 2 actively managed funds???
Replies: 45
Views: 2884

Re: if you HAD to pick 2 actively managed funds???

I have invested in T. Rowe Price Capital Appreciation (PRWCX) for 16 years. On the international side I'd add Vanguard International Value (VTRIX).
by stevewolfe
Sun Apr 24, 2016 9:29 am
Forum: Investing - Theory, News & General
Topic: Is Vanguard's "Active" TIPS fund necessary?
Replies: 24
Views: 1026

Re: Is Vanguard's "Active" TIPS fund necessary?

Consider the math here: $2,000,000 investment portfolio. Retired and 70% allocated to bonds (i.e. $1,400,000). Of the 70%, 30% is sub-allocated to TIPS (i.e. $420,000). Assume $14 a share or $30,000 shares. Assume 9 cents a share in dividends (all in including inflations adjustment) for the year or...
by stevewolfe
Sat Apr 16, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds before end of the month?
Replies: 20
Views: 3661

Re: Thanks #Cruncher

Thank you for all your time and effort that you so graciously give to explain the inner workings of I Bonds and TIPs. Your explanations are always welcomed even when I fail to grasp all the subtleties. I really appreciate your postings. MKT Agreed - a real treasure of information for this forum, mu...
by stevewolfe
Sat Apr 16, 2016 7:02 am
Forum: Personal Consumer Issues
Topic: Sport players Cards (Football, Baseball, Basketball), anyone collect?
Replies: 52
Views: 3603

Re: Sport players Cards (Football, Baseball, Basketball), anyone collect?

ClevrChico wrote:Anything 1980's and newer is pretty much worthless.


Most, not all. There are a number of cards that sell for good money, particularly when graded high (like a PSA 10). But the grading business has really hurt the value of raw cards.
by stevewolfe
Fri Apr 15, 2016 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds before end of the month?
Replies: 20
Views: 3661

Re: I Bonds before end of the month?

Wow, semi-annual inflation = 0.08% This low rate, combined with the fact that some of my bonds are currently in a 0% 6-month period, definitely make me reconsider the value of these newer I-bonds. If not for the tax deferral benefits, and the 'insurance' against future high inflation, I'd punt on t...
by stevewolfe
Thu Apr 14, 2016 9:31 pm
Forum: Investing - Theory, News & General
Topic: BEST Portfolio Tracker
Replies: 33
Views: 2502

Re: BEST Portfolio Tracker

I use the GoogleFinance function of GoogleSheets to import data from Morningstar. The only thing I haven't gotten it to import is the style boxes. This is exactly what we do as well. I didn't bother doing anything about the style boxes, instead just made an allocation pie chart. Good enough for me ...
by stevewolfe
Wed Apr 13, 2016 9:04 pm
Forum: Personal Consumer Issues
Topic: Sport players Cards (Football, Baseball, Basketball), anyone collect?
Replies: 52
Views: 3603

Re: Sport players Cards (Football, Baseball, Basketball), anyone collect?

@stevewolfe, what would you grade the first Bob Lilly example? Based on PSA's scale - without seeing the back - I'd think it's a 3, possibly a 4 based on measuring the centering, but likely a 3. The description of a PSA 3 is: "VG 3: Very Good A PSA VG 3 card reveals some rounding of the corner...
by stevewolfe
Wed Apr 13, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: Sport players Cards (Football, Baseball, Basketball), anyone collect?
Replies: 52
Views: 3603

Re: Sport players Cards (Football, Baseball, Basketball), anyone collect?

No rookie cards unfortunately. What's PSA? As was mentioned above, PSA is a third party grading company. Here's an example of a typical 1963 Bob Lilly card that you might find at a flea market, yard sale, etc. This one is listed for sale for $149. http://i.imgur.com/XofPAhO.png Some folks might loo...
by stevewolfe
Tue Apr 12, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: Sport players Cards (Football, Baseball, Basketball), anyone collect?
Replies: 52
Views: 3603

Re: Sport players Cards (Football, Baseball, Basketball), anyone collect?

Great post, all so true. Amazingly Beckett is still around today, online atleast. I wish I would've liquidated my Jordan cards and such back in the 90's when they may have been worth something. Maybe you should change your search terms for eBay. Here's a Jordan rookie that sold recently for $25,300...
by stevewolfe
Tue Apr 12, 2016 5:09 pm
Forum: Personal Consumer Issues
Topic: Sport players Cards (Football, Baseball, Basketball), anyone collect?
Replies: 52
Views: 3603

Re: Sport players Cards (Football, Baseball, Basketball), anyone collect?

saltycaper wrote:Thank you for the link. I still have some boxes I might want to get rid of, and I was going to throw them in the dumpster. Maybe they'll get some good use this way.


You're welcome. It's a great way to pass them on to some kids who would appreciate them.
by stevewolfe
Mon Apr 11, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: Sport players Cards (Football, Baseball, Basketball), anyone collect?
Replies: 52
Views: 3603

Re: Sport players Cards (Football, Baseball, Basketball), anyone collect?

If a 1972 or 75 set of topps had the status of a lamborghini, then perhaps it could retain some value. But unless you are talking about a 1952 mickey mantle of a Honus wagner, the crap in between is meaningless. Since you follow this closely I'm sure you saw the Roger Staubach 1972 PSA 9 MINT card ...
by stevewolfe
Mon Apr 11, 2016 7:41 pm
Forum: Personal Consumer Issues
Topic: Sport players Cards (Football, Baseball, Basketball), anyone collect?
Replies: 52
Views: 3603

Re: Sport players Cards (Football, Baseball, Basketball), anyone collect?

I collected everything back in the day, football, baseball, basketball, hockey, star wars, mork and Mindy, Battlestar Galactica, etc. Then in high school mostly baseball. The strike that lost a world series followed by the steroids, human growth hormone, etc. ruined baseball for me... None of my car...
by stevewolfe
Fri Apr 08, 2016 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Safe money?
Replies: 19
Views: 2614

Re: Safe money?

The good news is it hasn't been declining by 3% annually over the last few years as inflation is still quite low. An easy thing to do with some of the money would be to place it in a high yield savings account up to the FDIC limits. Another option would be to begin to accumulate a position in I-Bond...
by stevewolfe
Mon Apr 04, 2016 9:02 pm
Forum: Investing - Theory, News & General
Topic: diversification vs fees?
Replies: 4
Views: 324

Re: diversification vs fees?

Go over to Morningstar.com, punch in VTSAX hit the quote button. Click on chart tab and enter VINIX for comparison. Click maximum. Can you really see any noticible difference you are missing out on? I don't, if you don't, move on with you life. ;-) Not trying to be flippant but your savings rate and...
by stevewolfe
Sun Apr 03, 2016 7:32 pm
Forum: Investing - Theory, News & General
Topic: How many basis points matter to you?
Replies: 36
Views: 2224

Re: How many basis points matter to you?

My IPS says I need to keep the overall ER at 0.30% or under. Whether it is 0.14% or 0.29% doesn't matter to me. Don't sweat the small stuff. :beer
by stevewolfe
Sun Apr 03, 2016 3:10 pm
Forum: Personal Consumer Issues
Topic: Coursera -- Pay or Not?
Replies: 9
Views: 1187

Re: Coursera -- Pay or Not?

I've taken Coursera courses for free and received certification for the course and have it posted on LinkIn. Are you referring to a specialization certification like this one Data Science ? I have only ever taken individual courses, not followed a specialization, performed a capstone project, and co...
by stevewolfe
Tue Mar 29, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 70
Views: 4391

Re: Updates on the status of Linux

Said differently, the personal computer has passed its heyday; Linux is an OS for personal computers. The highlighted part of this statement is wildly inaccurate IMHO (no offense intended to the OP). There are many different sites with statistics for OS's used for hosting websites. Linux is typical...
by stevewolfe
Sun Mar 27, 2016 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Why have more than 20% in bonds?
Replies: 37
Views: 3804

Re: Why have more than 20% in bonds?

so why do people in retirement have 40-70% in bonds? I'm not in retirement and have 60% in fixed income. There is more to fixed income than bonds. To me fixed income is about making the swingsin our equities navigable. I sleep well at night. I'm not sure why what works for me has to work for you. W...
by stevewolfe
Sun Mar 27, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: CD Rates dropping?
Replies: 24
Views: 2417

Re: CD Rates dropping?

Earlier this year I bought a 5 year brokered CD through Vanguard from Goldman Sachs banks at 2.35%. Presently new issue 5 year CDs at Vanguard are at 1.55%. The retail market held up better, longer than the brokered market.
by stevewolfe
Thu Mar 24, 2016 5:45 pm
Forum: Investing - Theory, News & General
Topic: You cannot make money old fashioned way in this market
Replies: 25
Views: 5251

Re: You cannot make money old fashioned way in this market

I enjoy listening to him on Bloomberg or CNBC. He's always well prepared, thought provoking and convincing. A lot to ponder.

But I don't act on what he says. :beer
by stevewolfe
Sat Mar 05, 2016 7:57 pm
Forum: Investing - Theory, News & General
Topic: Poll: Active Funds in Which You Invest
Replies: 76
Views: 4581

Re: Poll: Active Funds in Which You Invest

T. Rowe Price Capital Appreciation - PRWCX and Vanguard Stable Value fund.
by stevewolfe
Thu Feb 18, 2016 7:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 9TH BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 12
Views: 890

Re: HAPPY 9TH BIRTHDAY TO THE BOGLEHEADS FORUM

Many thanks, great forum and great people! :beer
by stevewolfe
Sun Feb 14, 2016 6:04 pm
Forum: Investing - Theory, News & General
Topic: Using CD's instead of bonds
Replies: 62
Views: 6686

Re: Using CD's instead of bonds

longinvest wrote:CDs do not have a fluctuating market value. As such, they have a property that is specific to cash, and that even short-term bonds do not have.


That's only true for direct retail CDs and not brokered CDs.
by stevewolfe
Sun Feb 07, 2016 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: is it realistic for me to retire in 15 years?
Replies: 22
Views: 2660

Re: is it realistic for me to retire in 15 years?

TheTimeLord wrote:But really not a big believer in a life without a passion or focus.


So why does that passion and focus have to come from work? I think it's personally reasonable that everyone is different and folks might find that passion in hobbies, charity work, etc. - in addition to, or replacement of, work.
by stevewolfe
Sat Feb 06, 2016 7:51 am
Forum: Investing - Theory, News & General
Topic: What is up with Tech Industry?
Replies: 4
Views: 1015

Re: What is up with Tech Industry?

Isn't the saying something like "Over the short term the market is a voting machine, over the long term the market is a weighing machine" (Benjamin Graham).

This is the danger of investing in individual stocks. Diversification is your friend.
by stevewolfe
Tue Jan 26, 2016 6:09 pm
Forum: Investing - Theory, News & General
Topic: At what point would you go from 70/30 to 100(stocks)/0(bonds) if you are in your late twenties
Replies: 48
Views: 3623

Re: At what point would you go from 70/30 to 100(stocks)/0(bonds) if you are in your late twenties

The stock market has not dropped enough yet for me to go 100/0 but it will get tempting soon. At what point, if any, would you considering making the jump if you have 30+ years left to invest? Makes no sense to me. Your asset allocation is based on your need, willingness and ability to take risk. S...
by stevewolfe
Tue Jan 26, 2016 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Bond Fund? Weirdly limited 401K choices.
Replies: 6
Views: 399

Re: Which Vanguard Bond Fund? Weirdly limited 401K choices.

FillorKill wrote:VBIIX


Agree with this recommendation. It's roughly 50% US government bonds and 50% corporate bonds with a maturity range of 5-10 years. It tracks relatively close to Total Bond with a little more volatility due to it's slightly longer duration. A fine option in my opinion.
by stevewolfe
Sat Jan 16, 2016 9:54 pm
Forum: Investing - Theory, News & General
Topic: Ibonds rates- something looks weird on TreasuryDirect
Replies: 6
Views: 1034

Re: Ibonds rates- something looks weird on TreasuryDirect

Yes it will stay that way over the life of the bond. No, I don't think you are silly buying them as you have the money to invest - it is perfectly reasonable.

BTW, welcome to the forum. :beer
by stevewolfe
Sat Jan 16, 2016 9:32 pm
Forum: Investing - Theory, News & General
Topic: Ibonds rates- something looks weird on TreasuryDirect
Replies: 6
Views: 1034

Re: Ibonds rates- something looks weird on TreasuryDirect

For example, May- July 2015 is 1.54%, but Ag-Oct is 0%, while it too should have been 1.54%. Same from Feb to April 2014. What am I missing there or is that a, gulp, bug? It's not a bug. The current six month rate for bonds purchased November 1, 2015 through April 30, 2016 is 1.54%. All outstanding...
by stevewolfe
Fri Jan 15, 2016 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: I-bond vs. cash question
Replies: 8
Views: 1166

Re: I-bond vs. cash question

In a vacuum I'd prefer the I-Bond. 3% real with essentially no risk trumps the flexibility of the other option. Of course I can't eat the I-Bond, but your disclaimer at the end seems to cover that.
by stevewolfe
Fri Jan 15, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 113
Views: 2086

Re: Vanguard account access issues this evening?

Duplicate post of here.

Bottom line is the website is down and there is no ETA.
by stevewolfe
Fri Jan 15, 2016 8:08 pm
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 113
Views: 2086

Re: Vanguard.com

corner559 wrote:I'm also having issues logging in. It just says "Your account information is temporarily unavailable."



Same for me... it gave a list of contact information, but I thought "I think I'll check bogleheads first..." :beer
by stevewolfe
Fri Jan 15, 2016 4:34 pm
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 11573

Re: Who's buyin' today?

Today I purchase Total Stock market index... It's payday...
by stevewolfe
Sat Jan 09, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Why plane fares so expensive???
Replies: 53
Views: 5294

Re: Why plane fares so expensive???

Depends on the route as well. Philly to Dallas Love field is currently $41 this morning for early February travel (each way per person). We paid 3x that a couple months ago during football season to go see the Cowboys.
by stevewolfe
Thu Jan 07, 2016 8:53 pm
Forum: Investing - Theory, News & General
Topic: Buying opportunity - Blow EF and buy??
Replies: 17
Views: 1702

Re: Buying opportunity - Blow EF and buy??

Use the money you would use to replace the emergency fund to invest and leave the emergency money alone. Best.
by stevewolfe
Tue Jan 05, 2016 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to not buy Goldman Sachs CDs?
Replies: 21
Views: 2386

Re: Any reason to not buy Goldman Sachs CDs?

1.76% 11-month CD available as recently as last week. 2.25% 25-month CD last September. 3% 3-year CD last October. Unless you must buy right now (why?), chances are one will come up that beats 3-year 1.75%. Right, so we agree it's a good rate right now (since it's not last week, October or Septembe...
by stevewolfe
Mon Jan 04, 2016 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to not buy Goldman Sachs CDs?
Replies: 21
Views: 2386

Re: Any reason to not buy Goldman Sachs CDs?

Super Hans wrote:Other than that the rates look relatively poor, I can't see any reason.


Compared to? The 3 year 1.75% CD above is better than any nationally available 3 year CD at depositaccounts.com. the five year US Treasury was at 1.73% today by comparison.
by stevewolfe
Mon Jan 04, 2016 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to not buy Goldman Sachs CDs?
Replies: 21
Views: 2386

Re: Any reason to not buy Goldman Sachs CDs?

prudent wrote:Do brokered CDs offer the option for early withdrawal?


Yes you have the option to sell early at the market price, however, there isn't a preset penalty like with a retail CD such as six months interest, etc. You may lose more, or if rates go down, you may sell at a profit.
by stevewolfe
Mon Jan 04, 2016 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to not buy Goldman Sachs CDs?
Replies: 21
Views: 2386

Re: Any reason to not buy Goldman Sachs CDs?

Timely for me as I plan to buy one tomorrow from Goldman Sachs. Curious for others feedback. There is nothing, other than FDIC limits, that I am aware of.
by stevewolfe
Sun Jan 03, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 80
Views: 10669

Re: Are Bogleheads Buying I-Bonds 2016?

There is a little more to it than that. For example, in our accounts, we want the bonds titled in both our names. That's not the default and there is no way to set it as the default (that I know of). Also, I want to be able to execute against bonds in my wife's account and have her set up the same. ...
by stevewolfe
Sun Jan 03, 2016 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 80
Views: 10669

Re: Are Bogleheads Buying I-Bonds 2016?

I just had a discussion yesterday about these very same issues with my wife. Her comment was "please sell the I-Bonds". She has no interest in treasury direct. Each year when we buy her allotment, I walk her through the login, buying with the proper titling, granting the access a few days ...
by stevewolfe
Fri Jan 01, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: Vacuum for hardwood
Replies: 46
Views: 3158

Re: Vacuum for hardwood

We use a Swiffer. I bought a pack of microfiber towels from autozone. Cut them in half and they work perfectly. Shake out and launder between uses. :beer
by stevewolfe
Thu Dec 31, 2015 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: A dead year, never get it back
Replies: 84
Views: 7762

Re: A dead year, never get it back

2015 has ended. A dead year for most investors and for index investors. A whole year gone we can never get back. Like having been holding cash. In fact, cash would have been better because that has no expense fees. We all want the average returns of the index in those funds, but now we are looking ...
by stevewolfe
Tue Dec 29, 2015 7:27 pm
Forum: Investing - Theory, News & General
Topic: TIPS Fund is Getting Hammered!
Replies: 71
Views: 8927

Re: TIPS Fund is Getting Hammered!

This thread reminds me of a video... He's dead Jim... Just think of this TIPS subject which has been beat to death as you watch it. :beer
by stevewolfe
Sat Dec 26, 2015 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: VG Total Stock vs TRP Cap Appreciation in a taxable account?
Replies: 12
Views: 1234

Re: VG Total Stock vs TRP Cap Appreciation in a taxable account?

We are big fans of PRWCX and have held it for 16 years or so. However, all of our shares are in tax deferred accounts. In taxable we own Vanguard Total Stock and FTSE all world ex-US. I personally wouldn't hold PRWCX in taxable. I'd follow the advice above and on the wiki about how to handle a posit...
by stevewolfe
Sun Nov 22, 2015 8:32 pm
Forum: Personal Consumer Issues
Topic: Best TV to buy
Replies: 96
Views: 9755

Re: Best TV to buy

We've been happy with our 40 inch Sony Bravia LCD smart TV in the living room as well as with an older 50 inch Toshiba plasma in the family room. I have a 32 inch Panasonic LCD in my office for streaming and games. Friends have Visio TVs and seem to like them. Be sure to buy the right size TV for yo...
by stevewolfe
Thu Oct 29, 2015 5:14 pm
Forum: Personal Consumer Issues
Topic: Replace safe Deposit Box with home safe?
Replies: 46
Views: 5288

Re: Replace safe Deposit Box with home safe?

Be careful of low cost consumer grade fireproof safes because many will cause documents inside to mold and mildew. I found this out the hard way. Use a bank sd box for important papers. Agreed. Depending on what you need to store, for example professionally graded and encapsulated cards, the best o...

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