Bogleheads.org

walletless

-0.4%
84% stocks (70% domestic, 30% international)
16% total bonds

walletless

For something that you only have to do once a decade, and costs less than 15 bucks tops, I'm amazed there's this much discussion on the subject. It's not only about cost. There are several reasons (besides cost) that I chose to DIY my photos: 1) Visas for some countries require a non-standard photo...

walletless

Problems and excuses: https://consumerist.com/2009/03/23/walgreens-doesnt-want-you-to-print-your-own-passport-photos/ https://www.flyertalk.com/forum/travelbuzz/1528576-cvs-won-t-accept-my-payment-passport-photos.html and this I've posted before https://www.ripoffreport.com/reports/cvs/westford-mas...

walletless

I'll also add that Amazon Prints (AmazonPrints.com) will print a 4x6 for just 9 cents. If you're ok waiting few weeks to ship, it's actually a cheap option that doesn't go through corporate bullshit that drugstores try to make you pay more for.

walletless

Don’t order in store. Upload to photo website and then place order for store pickup. Price will be the regular 4x6 price even if you have 6 passport photos of different individuals. Unfortunately, there have been numerous reports from upset customers that when you go pick them up in store, the stor...

walletless

It was surprisingly hard to find a pure white wall and to get a photo with no shadows with my cell phone! Ok, I didn't exactly make a heroic effort (more like asked a friend when I saw a white wall available) but it was annoying enough to get right that I just paid $9 to have it done professionally...

walletless

Has anyone found an alternative to: =VALUE(Right((Index(ImportHtml(CONCATENATE("http://bigcharts.marketwatch.com/advchart/frames/frames.asp?symb=",A2,"&insttype=Fund"), "table"),3,1)),7)) Using Morningstar.com: =IMPORTXML("http://quotes.morningstar.com/fund/c-header?t=" & A2, "//span[@vkey='NAV']")...

walletless

vbdoug wrote: ↑
Mon Apr 09, 2018 2:57 pm
Purepoint sent me some "Tea Forte Noir" last week. I do not know why, but it was a nice gesture.

I didn't get anything

walletless

Safety Deposit box for Gold/Jewelry, Copy of trust/will, Passports

AmazonBasics Home Safe for other things like 2nd copy of trust/will, car/home titles, etc.

walletless

Now 1.75% APY

walletless

This thread should be renamed to "It's Friday!!"

walletless

If the IRS notices the error, they'll send you a correction and a check for $1. My guess is the error falls below some margin of error and will be ignored. I would not file an amendment for this. Thanks. Just to try, I created an amended return in TurboTax, and the federal refund is actually $2, no...

walletless

For one of the 1099-INT, I accidentally punched in $4 more than the interest in Box 1. This resulted in me over-paying federal taxes by $2 and state (CA) taxes by $0 (thanks to rounding!). Do I have to file an amendment/1040-X for this? Honestly I don't are about $2 difference (cost of mailing in th...

walletless

What free-fall?

walletless

Tarrifs? No problems. I'll be with the market all the way down!!

walletless

I've been doing my backdoor conversion since last 3 years before December 31 each year and have never run into any problems with turbo tax deluxe desktop version yet. Just submitted my federal e-file today and mailed my state returns.

walletless

I'm fortunate to have a great 401k plan (also managed by Fidelity netbenefits) from my employer. 50% match up to federal max ($9,250 free money in 2018), ability to do mega backdoor, great low-cost core index funds (.02 er for s&p500, .03 er for total bonds), true up match. Only downside is there ar...

walletless

YES, tomorrow WILL be an interesting day . . . we are closing the books for the first quarter and it is not going to be pretty for some. Good luck, y gracias por leer ~cfs~ I'm guessing most of us will be down YTD at end of first quarter. I managed to 'catch the falling knife" with my 55k in 401k c...

walletless

Thanks all for the replies... looks like unless you are grandfathered into some of the old accounts, it does not seem possible to trade admiral funds without commissions outside VG. I will just have to wait it out at vg, or possibly look at ETF equivalents, I guess.

walletless

What don't you like about ETF? Its more of a preference thing than like/dislike. I prefer that my trades settle same day so money is available to withdraw next day. I understand that ETFs are fine for most people, but I just prefer index mutual funds, especially since Vanguard funds are just as tax...

walletless

I'm contemplating moving my business from Vanguard (VG) given a spate of bad experiences (personally as well as forum members who reported them here). I've looked into Merill Edge, Schwab & Fidelity. Unfortunately, neither of the 3 will let me trade VG admiral index funds without hefty brokerage fee...

walletless

Now I just need to use that same motivation to get in a little better physical shape. I'd like to enjoy a longer retirement someday, so maybe I can apply some Boglehead "stay the course" strategy on a treadmill. Thanks, this is a great update. Congrats! If you are interested in staying fit, look up...

walletless

I am 50% invested 50% in cash earning interest. Got best of both. Market up, I am 1/2 as good. Market water fall, it' even better for me. I am in a similar situation, but not because of the market being high or anything... I am in two minds whether I should upgrade to a bigger house when I can affo...

walletless

I may have glanced over this if it is already brought up in the thread, but I have seen anecdotal evidence of GEICO raising premiums after a credit freeze has been initiated. OP, did you happen to have put credit freeze recently?

walletless

Clever_Username wrote: ↑
Sun Mar 11, 2018 9:28 pm

mhalley wrote: ↑
Sun Mar 11, 2018 11:00 am
Came accross this link at POF.
I'm having trouble parsing this much. What's POF? I am assuming you don't mean the dating app.

I'm assuming "Physician on FIRE" https://www.physicianonfire.com/

walletless

Thanks for sharing my guide! It was a lot of fun to create - trying to do something that would draw in people who maybe weren't aware of FI/Investing. Like anything though, there's always room for improvement. Let me know what you think. Great guide. I'm being nitpicky with my suggestions below. It...

walletless

midagelawyer wrote: ↑
Tue Feb 27, 2018 8:44 am
Dollar Savings Direct is up to 1.8% now...

Almost same as inflation... its tempting to put the emergency funds here, so atleast it does not lose much value relative to inflation...

walletless

Great calculator. Years ago, I did a similar calculation using Excel formulas, and the numbers almost match (within few months of this calculator). Very useful, thanks for sharing, OP!

walletless

That was EXTREMELY helpful, NOT! "he believes market gains should continue for the next year or two. ... He said it's normal for there to be a correction at the end of an investing cycle, and that markets could be heading for a "deep correction" of between 20% and 40%, depending upon the market val...

walletless

With 1.3% ER, I say "PASS". Not for me.

walletless

What do I think is substantially identical? Vanguard Investor, Admiral, and ETF share classes. You can convert between them as non-taxable events even though they have different CUSIPs. While it's true that one can convert from index fund to ETF class as a tax-free transaction, the reverse is not t...

walletless

Just buy s&p500 and extended market funds in 81:19 ratio to tlh from vtsax. Others in this forum buy vlcax, while few just buy s&p500 alone. Any of these should be ok. Technically, as someone pointed out, no body knows since IRS doesn't define what "substantially similar" means. I avoid using two "t...

walletless

The sky is falling! S&P 500 is down a full 7 points and change!
Edit: now almost flat!

walletless

Just a follow up on PurePoint, they confirmed the 1.75% online savings is real and only offered in the B&M locations. No advantage to me, did get me looking and gotta say Live Oak Bank is looking very tempting, 18 month CD @ 2.30% Hmm.. Interesting. Wonder if those rates are available to existing c...

walletless

WentzWagon wrote: ↑
Wed Feb 28, 2018 4:51 pm
These daily swings a + 30 - 40 + 45 - 40 make zero sense to me.

Yes, Mr. Market is senseless. Nothing new

walletless

midagelawyer wrote: ↑
Tue Feb 27, 2018 11:05 pm
More interestingly, Purepoint is 1.75% if you go into one of their brick and mortar stores in NYC to set up your account.

Wow, how do you know about this? Any way we can call and ask for that rate too?

walletless

Incredible. Stocks down over 1% and the only posts are about bonds. The market dropped because Powell talked about how good the economy is, indicating acceleration in interest rate rise... Indicating that potentially bonds may "free-fall", indicating I'll be buying more of them to rebalance to my AA.

walletless

Thanks all for the responses! Looks like the plan is not that bad, although definitely 15 years may be a long time. I like the suggestion of stopping contributions on the unwanted fund until they are small enough to make the switch in one swoop. I will put some thought towards it. Managing 6 funds i...

walletless

Edited for charity

walletless

Hi bogleheads, About 4 years ago I started investing using mostly passive index funds. I have a 6-funds portfolio since then: (Reference to my previous thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=153932 : currently 36 years old, married, California resident, 28% federal & 9.2% state...

walletless

I guess I'll be an anomaly here. I'm currently at a 60/40 split between developed & emerging markets. I'm reducing it by 1% a year until I reach 82/18, so I can just switch to using total international at that point.

walletless

livesoft wrote: ↑
Thu Feb 15, 2018 8:30 pm

walletless wrote: ↑
Thu Feb 15, 2018 5:16 pm
The dry-powder folks enjoyed the correction, for sure!
Are bond funds dry powder?

I didn't say *only* dry powder folks are enjoying

walletless

thangngo wrote: ↑
Thu Feb 15, 2018 5:00 pm

Gufomel wrote: ↑
Thu Feb 15, 2018 4:02 pm
Market closed at around early Jan level. This crash minor, tiny, small blip has been just brutal entertaining.

Anyhow, I bought quite a bit during this blip. Also TLH for some bucks too. Quite fun.

The dry-powder folks enjoyed the correction, for sure!

walletless

We will soon need a "U.S. Bonds in free fall" thread

walletless

its correct. I am really questioning whether to hold Total International in taxable going forward.

walletless

itstoomuch wrote: ↑
Tue Feb 13, 2018 7:04 pm
^why, Alibaba (BABA), of course.
One could afford a round lot with BABA. Less so with AMZN.

But they hardly seem to be moving in similar ways in the short amount of data we have... wheras the index funds have moved similarly for a long period of time.

walletless

with fee free broker like robinhood, you don't have to be rich to make your own index fund. How do you TLH the individual stocks if you are not owning them inside an index fund. You can easily TLH between Total-Stock Market (VTSAX or similar) and Large-Cap (VLCAX or similar). But, say for instance,...

walletless

VictoriaF wrote: ↑
Fri Feb 09, 2018 12:46 pm

letsgobobby wrote: ↑
Fri Feb 09, 2018 12:45 pm
I personally believe this selloff is the start of something big.

Either that, or we are close to the end of this selloff.

Or the end will be big.

Victoria

I agree. Markets will either go up, down or sideways from here on!

walletless

fakin' the funk wrote: ↑
Tue Feb 06, 2018 2:07 am
Newbie here. First big dip.

This is when we stay the course, right?

No you bail out at the bottom, then reenter at the top
Just kidding

walletless

fanmail wrote: ↑
Mon Feb 05, 2018 9:26 pm
FYI futures markets are implying another 3% dip right now from Monday’s close.

Being it on!
#StayingTheCourse

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