-0.4%
84% stocks (70% domestic, 30% international)
16% total bonds
Search found 794 matches
- Tue Apr 17, 2018 1:54 pm
- Forum: Investing - Theory, News & General
- Topic: What are you up YTD? [Year To Date]
- Replies: 1821
- Views: 324973
- Thu Apr 12, 2018 4:16 pm
- Forum: Personal Consumer Issues
- Topic: Passport photo DIY - anyone done it easily?
- Replies: 92
- Views: 6439
Re: Passport photo DIY - anyone done it easily?
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...
- Thu Apr 12, 2018 2:53 pm
- Forum: Personal Consumer Issues
- Topic: Passport photo DIY - anyone done it easily?
- Replies: 92
- Views: 6439
Re: Passport photo DIY - anyone done it easily?
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...
- Thu Apr 12, 2018 2:19 pm
- Forum: Personal Consumer Issues
- Topic: Passport photo DIY - anyone done it easily?
- Replies: 92
- Views: 6439
Re: Passport photo DIY - anyone done it easily?
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.
- Thu Apr 12, 2018 11:14 am
- Forum: Personal Consumer Issues
- Topic: Passport photo DIY - anyone done it easily?
- Replies: 92
- Views: 6439
Re: Passport photo DIY - anyone done it easily?
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...
- Wed Apr 11, 2018 11:05 pm
- Forum: Personal Consumer Issues
- Topic: Passport photo DIY - anyone done it easily?
- Replies: 92
- Views: 6439
Re: Passport photo DIY - anyone done it easily?
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...
- Wed Apr 11, 2018 2:47 am
- Forum: Personal Finance (Not Investing)
- Topic: Google sheets not pulling stock prices
- Replies: 21
- Views: 1840
Re: Google sheets not pulling stock prices
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']")...
- Mon Apr 09, 2018 3:17 pm
- Forum: Investing - Help with Personal Investments
- Topic: Purepoint now 1.6%
- Replies: 13
- Views: 1649
- Mon Apr 09, 2018 3:16 pm
- Forum: Personal Consumer Issues
- Topic: Home Safe vs Safety Deposit Box
- Replies: 84
- Views: 16748
Re: Home Safe vs Safety Deposit Box
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.
AmazonBasics Home Safe for other things like 2nd copy of trust/will, car/home titles, etc.
- Mon Apr 09, 2018 2:44 pm
- Forum: Investing - Help with Personal Investments
- Topic: Purepoint now 1.6%
- Replies: 13
- Views: 1649
Re: Purepoint now 1.6%
Now 1.75% APY
- Fri Apr 06, 2018 2:08 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6392
- Views: 1369962
It's Friday!!
This thread should be renamed to "It's Friday!!"
- Fri Apr 06, 2018 10:54 am
- Forum: Personal Finance (Not Investing)
- Topic: Filed an incorrect 1099-INT - do I *have* to file an amendment?
- Replies: 7
- Views: 426
Re: Filed an incorrect 1099-INT - do I *have* to file an amendment?
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...
- Fri Apr 06, 2018 10:34 am
- Forum: Personal Finance (Not Investing)
- Topic: Filed an incorrect 1099-INT - do I *have* to file an amendment?
- Replies: 7
- Views: 426
Filed an incorrect 1099-INT - do I *have* to file an amendment?
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...
- Wed Apr 04, 2018 11:58 am
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6392
- Views: 1369962
Re: U.S. stocks in freefall
What free-fall?
- Mon Apr 02, 2018 9:50 am
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6392
- Views: 1369962
Re: U.S. stocks in freefall
Tarrifs? No problems. I'll be with the market all the way down!!
- Sun Apr 01, 2018 11:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: TurboTax and backdoor Roth IRA error?
- Replies: 10
- Views: 3376
Re: TurboTax and backdoor Roth IRA error?
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.
- Wed Mar 28, 2018 10:33 pm
- Forum: Investing - Help with Personal Investments
- Topic: New 401k plan
- Replies: 10
- Views: 884
Re: New 401k plan
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...
- Wed Mar 28, 2018 10:26 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6392
- Views: 1369962
Re: U.S. stocks in freefall
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...
- Wed Mar 28, 2018 11:05 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard to (another brokerage): admiral index funds
- Replies: 17
- Views: 1386
Re: Vanguard to (another brokerage): admiral index funds
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.
- Wed Mar 28, 2018 11:04 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard to (another brokerage): admiral index funds
- Replies: 17
- Views: 1386
Re: Vanguard to (another brokerage): admiral index funds
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...
- Tue Mar 27, 2018 11:07 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard to (another brokerage): admiral index funds
- Replies: 17
- Views: 1386
Vanguard to (another brokerage): admiral index funds
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...
- Sun Mar 25, 2018 2:26 pm
- Forum: Investing - Help with Personal Investments
- Topic: "I won the Lottery" update -
- Replies: 33
- Views: 8117
Re: "I won the Lottery" update -
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...
- Wed Mar 14, 2018 1:35 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6392
- Views: 1369962
Re: U.S. stocks in freefall
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...
- Wed Mar 14, 2018 1:33 pm
- Forum: Personal Consumer Issues
- Topic: Geico insurance rate increase: 26.24% APY?
- Replies: 75
- Views: 11179
Re: Geico insurance rate increase: 26.24% APY?
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?
- Sun Mar 11, 2018 9:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: Interesting interactive guide to early retirement & FI
- Replies: 29
- Views: 3974
Re: Interesting interactive guide to early retirement & FI
I'm assuming "Physician on FIRE" https://www.physicianonfire.com/Clever_Username wrote: ↑Sun Mar 11, 2018 9:28 pmI'm having trouble parsing this much. What's POF? I am assuming you don't mean the dating app.
- Sun Mar 11, 2018 7:10 pm
- Forum: Personal Finance (Not Investing)
- Topic: Interesting interactive guide to early retirement & FI
- Replies: 29
- Views: 3974
Re: Interesting interactive guide to early retirement & FI
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...
- Sun Mar 11, 2018 3:07 pm
- Forum: Personal Finance (Not Investing)
- Topic: Dollar Savings Direct - 1.25% Savings
- Replies: 20
- Views: 4168
Re: Dollar Savings Direct - 1.25% Savings
Almost same as inflation... its tempting to put the emergency funds here, so atleast it does not lose much value relative to inflation...
- Sun Mar 11, 2018 3:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: Interesting interactive guide to early retirement & FI
- Replies: 29
- Views: 3974
Re: Interesting interactive guide to early retirement & FI
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!
- Thu Mar 08, 2018 11:05 am
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6392
- Views: 1369962
Re: U.S. stocks in freefall
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...
- Mon Mar 05, 2018 10:56 am
- Forum: Investing - Theory, News & General
- Topic: Larry Swedroe: Alternative Approach To Alts
- Replies: 22
- Views: 2892
Re: Larry Swedroe: Alternative Approach To Alts
With 1.3% ER, I say "PASS". Not for me.
- Sun Mar 04, 2018 7:24 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard's U.S. Total Stock Market Index fund (VTSAX) and Fidelity's TSM (FSTVX) considered "substantially identical"?
- Replies: 24
- Views: 2789
Re: Vanguard's U.S. Total Stock Market Index fund (VTSAX) and Fidelity's TSM (FSTVX) considered "substantially identical
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...
- Sun Mar 04, 2018 1:46 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard's U.S. Total Stock Market Index fund (VTSAX) and Fidelity's TSM (FSTVX) considered "substantially identical"?
- Replies: 24
- Views: 2789
Re: Vanguard's U.S. Total Stock Market Index fund (VTSAX) and Fidelity's TSM (FSTVX) considered "substantially identical
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...
- Fri Mar 02, 2018 1:41 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6392
- Views: 1369962
Re: U.S. stocks in freefall
The sky is falling! S&P 500 is down a full 7 points and change!
Edit: now almost flat!
Edit: now almost flat!
- Thu Mar 01, 2018 10:19 am
- Forum: Investing - Theory, News & General
- Topic: PurePoint 1.25% online savings $10K min
- Replies: 72
- Views: 13540
Re: PurePoint 1.25% online savings $10K min
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...
- Wed Feb 28, 2018 7:37 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6392
- Views: 1369962
Re: U.S. stocks in freefall
Yes, Mr. Market is senseless. Nothing newWentzWagon wrote: ↑Wed Feb 28, 2018 4:51 pmThese daily swings a + 30 - 40 + 45 - 40 make zero sense to me.

- Wed Feb 28, 2018 12:14 pm
- Forum: Investing - Theory, News & General
- Topic: PurePoint 1.25% online savings $10K min
- Replies: 72
- Views: 13540
Re: PurePoint 1.25% online savings $10K min
Wow, how do you know about this? Any way we can call and ask for that rate too?midagelawyer wrote: ↑Tue Feb 27, 2018 11:05 pmMore interestingly, Purepoint is 1.75% if you go into one of their brick and mortar stores in NYC to set up your account.
- Tue Feb 27, 2018 10:33 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6392
- Views: 1369962
Re: U.S. stocks in freefall
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.
- Mon Feb 26, 2018 12:51 pm
- Forum: Investing - Help with Personal Investments
- Topic: Help me simplify my portfolio (gradually)
- Replies: 5
- Views: 523
Re: Help me simplify my portfolio (gradually)
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...
- Mon Feb 26, 2018 8:44 am
- Forum: Investing - Help with Personal Investments
- Topic: Help me simplify my portfolio (gradually)
- Replies: 5
- Views: 523
Re: Help me simplify my portfolio (gradually)
Edited for charity
- Mon Feb 26, 2018 12:26 am
- Forum: Investing - Help with Personal Investments
- Topic: Help me simplify my portfolio (gradually)
- Replies: 5
- Views: 523
Help me simplify my portfolio (gradually)
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...
- Mon Feb 19, 2018 11:40 am
- Forum: Investing - Theory, News & General
- Topic: The Emerging Markets "lost decade" is over
- Replies: 81
- Views: 12546
Re: The Emerging Markets "lost decade" is over
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.
- Thu Feb 15, 2018 8:40 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6392
- Views: 1369962
Re: U.S. stocks in freefall
- Thu Feb 15, 2018 5:16 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6392
- Views: 1369962
Re: U.S. stocks in freefall
The dry-powder folks enjoyed the correction, for sure!
- Wed Feb 14, 2018 4:57 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6392
- Views: 1369962
Re: U.S. stocks in freefall
We will soon need a "U.S. Bonds in free fall" thread 





- Tue Feb 13, 2018 8:08 pm
- Forum: Investing - Help with Personal Investments
- Topic: Vanguard VXUS QDI% 2017
- Replies: 9
- Views: 611
Re: Vanguard VXUS QDI% 2017
its correct. I am really questioning whether to hold Total International in taxable going forward.
- Tue Feb 13, 2018 7:11 pm
- Forum: Investing - Help with Personal Investments
- Topic: I bought a stock today - Redfin (RDFN)
- Replies: 288
- Views: 20636
Re: I bought a stock today - Redfin (RDFN)
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.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.
- Tue Feb 13, 2018 6:59 pm
- Forum: Investing - Help with Personal Investments
- Topic: I bought a stock today - Redfin (RDFN)
- Replies: 288
- Views: 20636
Re: I bought a stock today - Redfin (RDFN)
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,...
- Fri Feb 09, 2018 12:53 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6392
- Views: 1369962
Re: U.S. stocks in freefall
I agree. Markets will either go up, down or sideways from here on!VictoriaF wrote: ↑Fri Feb 09, 2018 12:46 pmOr the end will be big.letsgobobby wrote: ↑Fri Feb 09, 2018 12:45 pmI personally believe this selloff is the start of something big.
Either that, or we are close to the end of this selloff.
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Victoria
- Tue Feb 06, 2018 2:31 am
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6392
- Views: 1369962
Re: U.S. stocks in freefall
No you bail out at the bottom, then reenter at the topfakin' the funk wrote: ↑Tue Feb 06, 2018 2:07 amNewbie here. First big dip.
This is when we stay the course, right?
Just kidding

- Mon Feb 05, 2018 9:30 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6392
- Views: 1369962