Bogleheads.org

I've frequently made that argument. One of the retorts, is if you hold international in a taxable account, you can claim a credit for much of the foreign withholding on your income taxes. I think if you're going to make this retort (not saying you are, but the people making the retort to you), you ...

Unfortunately thanks to bogleheads.org I learned that it is not allowed to buy a lottery ticket as an asset in a self-directed Roth IRA. So, I will not be buying a ticket. If I had been able to buy inside a Roth IRA, I would play the lottery simply because of the satisfaction it would give me for pl...

Given the certainty with which you've asserted your viewpoints I would like to see a reference. You stated that all deposits are cash and that it is synonymous with FDIC insurance, but I don't see the equivalence as at all true since there are two dimensions to fixed income and FDIC insurance only ...

Hello from another graduate research assistant. Sounds like you're set for earned income for 2018. For 2019, your stipend may represent earned income, especially if it is W-2 income. However if you have a fellowship of any kind things can get complicated (still worth having the fellowship, of course...

This definition of money markets vs. capital markets, which I've previously described briefly , is consistent with my investment textbooks. I would prefer to cite those as references, but everyone doesn't have access to them. Given the stubborn unteachability with which you seem to be approaching t...

IMO, the biggest reason to split VT is to reduced the expense ratio. You can adjust the drift over long periods if you choose, but I think it will take a decade for that effect to exceed the few basis points in fees. There's also foreign tax, but that's another small factor. Enjoy simplicity or enj...

Why do you believe the following? As I've learned more, I realize that I may want the flexibility to selectively sell US or International when I'm in retirement. I'm not the OP, but I believe this year provides a good example. If I were in retirement, would I prefer to sell US or sell ex-US this ye...

fsh71 wrote: ↑
Mon Oct 15, 2018 12:06 pm
Are there any other considerations I need to be aware?

Why do you believe the following?

As I've learned more, I realize that I may want the flexibility to selectively sell US or International when I'm in retirement.

rgs92 wrote: ↑
Mon Oct 15, 2018 11:37 am
Why do you want to switch these ETFs? They are about equivalent.

In a taxable account, the fact they are similar (note: not about equivalent -- IEFA is missing emerging markets) can be helpful for tax reasons, especially given recent price declines. There are fine reasons for doing this switch.

I can do this at Merrill Edge. I do not know why you cannot (no, I do not have a margin account). Could you try calling and asking again -- maybe the rep was wrong? Otherwise, their understanding of the word "settlement" reminds me of a certain Seinfeld sketch on the meaning of a "car reservation": ...

My impression of the Ka'anapali Beach Hotel is that if I were a local I would be very upset at its existence. As a tourist I stayed in much more modest lodging, also on the west side of the island, and even I was offended by the existence of the monstrosity that is this hotel. However, by all appear...

Please note that discussions related to global warming / climate policy are off-topic. From experience, and as pointed out by quantAndHold, these threads devolve into controversial arguments which are a distraction for the community. From the forum policies: Non-actionable (Trolling) Topics If reade...

^ Yes to be clear I was not referring to Momentum for one of Thaler's counterexamples. His are far more amusing, involving Cuba!

Unfortunately, past experience has shown that these topics cannot be discussed in this forum and the forum policies prohibit discussion of "US or world economic, political, tax, health care and climate policies". Therefore, this topic is locked.

The primary implication of the EMH that people focus on is that it is impossible to beat the market on a consistent basis. People were diversifying before the advent of these funds and EMH theory to gain enough exposure to the broader market and rise with it. Again, your first sentence (even if it ...

There is a good discussion between Thaler and Fama with Andrew Lo on Youtube, here . Thanks for sharing the video--I enjoyed listening to it! Thank you for saying so! I find it more informative of what these academics think than many comments which purport to describe their beliefs, which coinciden...

Dottie57 wrote: ↑
Sat Oct 13, 2018 5:48 pm
If the U.S. market is efficient, what caused it to go down much of last week?

Do not confuse efficiency with explainability.

There is a good discussion between Thaler and Fama with Andrew Lo on Youtube, here . Thaler presents what would otherwise be considered counterexamples of EMH but Fama dismisses their importance, claiming these anomalies as a clear error of the asset pricing model. There is discussion of the joint h...

Interesting about Schwab. Because the cash from maturing T bills never seemed to “hit” my brokerage account until late late in the evening the day of maturity. But you’re saying I should be able to “match” a purchase of a new issue T bill with a maturing T bill without having to call, or use margin...

Question: I have 26-week T-bills maturing 10/11/2018. There happens to be an auction for 26-week T-bills on 10/11/2018. As previously discussed Schwab does not allow rollover of Treasuries. However, since they know it is maturing at face value, will they allow me to place an auction order, since se...

You're right, I read the wrong page.

Fidelity then.

Use Schwab. There is another exception besides the $100 automatic monthly transfer. 5. The $1,000 minimum required to open an account is waived if you set up an automatic monthly transfer of $100 through direct deposit or Schwab MoneyLink® or open a Schwab Bank High Yield Investor Checking® account ...

I bought myself a drink to make myself forget I spent all my cash, and my first Roth IRA contributions in 4 years, on VSS yesterday.

I might have missed this but, why must you handicap yourself by forcing yourself to own a completely tax-free bond fund in ETF form? What about equities, treasuries, or national munis? How does this fit into your overall asset allocation?

AlphaLess wrote: ↑
Wed Oct 10, 2018 9:59 pm

triceratop wrote: ↑
Wed Oct 10, 2018 12:49 am

AlphaLess wrote: ↑
Tue Oct 09, 2018 11:16 pm
Do you play this game with Warren?
Yes: my Uncle, let's call him "Sam", told me to. Persuasive fellow.
Are you sure it is Uncle Sam, and not Uncle Harris(burg) of the Pennsylvania fame?

It's a strange abbreviation -- Uncle Sa(cre)m(ento).

This topic is now locked: off topic (not actionable). It is not investing related.

artking99 wrote: ↑
Wed Oct 10, 2018 3:29 pm
Last time this happens, it was around 08 financial crash.

I think it happened earlier this year too, in January/February. At the time, I did nothing special.

"Somebody"? Robots are people, my friend.

livesoft wrote: ↑
Wed Oct 10, 2018 3:17 pm
It is pretty far from the standard Wall Street definition of a correction.

Today's drop is not as bad as the two drops in February.

This is true, in so much as VWO was in bear market territory.

FIREchief wrote: ↑
Wed Oct 10, 2018 2:28 pm
Well it is October....

I think the Hunt for Red October is over, we found it, it's here!

Re: Bogle, the best (which is not to say "good") argument for him might lie in his senior thesis, outlining the conflicts in fund management companies. I'm not sure how substantive it is as a matter of economic science, whatever its impact on the practice of financial capitalism has been.

A funny story is that despite being on the do not call list, this year's American winner of the Nobel prize in Economics (yeah yeah) didn't answer the phone call informing him of his win. It was only after checking caller ID that he thought he might return a call from Sweden in Nobel season. Our do ...

AlphaLess wrote: ↑
Tue Oct 09, 2018 11:16 pm
Do you play this game with Warren?

Yes: my Uncle, let's call him "Sam", told me to. Persuasive fellow.

By the way you can change the Chrome "autoplay-policy" easily, which I recommend. Here is the current link to my photos.... PS. For those of you who are curious about my photographic process, here goes!... I think there is something wrong with your "process". Everyone at the meeting looked 10 years ...

The 1-year (52-week) Treasury Bill, price at auction today was 97.391333, with investment rate of 2.668%, which for me is TEY of 2.996%% and TEY-APY of 3.016%. This is about 52 basis points above my savings account at 2.50%, so a very nice yield premium for extending maturity by one year. This bill...

It appears treasury bills are available for purchase at TD Ameritrade. Is there a reason NOT to purchase there vs. Schwab/Fidelity? Are they stil charging $25 for buying treasuries at auction? That would be a good reason. Do they also still have a minimum transaction of 5 bonds for trades? I see th...

wannabebogler wrote: ↑
Tue Oct 09, 2018 8:48 pm
It appears treasury bills are available for purchase at TD Ameritrade. Is there a reason NOT to purchase there vs. Schwab/Fidelity?

Are they stil charging $25 for buying treasuries at auction? That would be a good reason. Do they also still have a minimum transaction of 5 bonds for trades?

That's reasonable. I don't want to open a Fidelity account just for T-bills, and I already have a schwab checking account that I do my primary banking with, and which is closely integrated with the brokerage account. It takes a simple calendar entry to remind me and a few extra clicks to actually ma...

This trade executed, to settle 10/11 coinciding with my previous bill maturing. All is smooth sailing so far. Will this T-bill continue to automatically auto-roll or do you need to call Schwab each time to arrange it? I would quibble with your use of the word "continue", since even this time it was...

Question: I have 26-week T-bills maturing 10/11/2018. There happens to be an auction for 26-week T-bills on 10/11/2018. As previously discussed Schwab does not allow rollover of Treasuries. However, since they know it is maturing at face value, will they allow me to place an auction order, since se...

Thanks for the explanation. Does the Dividend Distribution / share row equal the amount of dividends paid after foreign taxes are with held? That would be the dividend distributions that actually hit your brokerage account. Yes. I am also curious if the M* 12 month yield for VXUS is before or after...

Foreign taxes paid by the fund are not distributed to you but still taxable to you as income distributed by the companies. The spreadsheet is adding those phantom dividends back in, taxing them, then assigning you the credit. That is, it is incorrect to think that your taxable income is only affecte...

I expect FIDO2 U2F-based security codes to be a brand new feature sometime next century?

I trust my phone less than almost anything else.

I'm shocked that this has made it to 50 replies without the item which has saved me enormous amounts of money being mentioned. No, I won't be sharing what the purchase was. I am proud too of how much my clippers have saved me in haircut expenses, but the resulting haircuts have probably saved me fro...

Great news. Now people will ask if stocks and bonds even make sense at this time, when both are declining. Should I invest only in T-bills? But even they can decrease in value. Bank deposits for me.

I managed to lock myself out of my brokerage account with incorrect password attempts, so even if I wanted to change my allocation I could not.

Pesto can be readily frozen for year-round use. Anyway, I have tried basil tea and I do not enjoy it. It tastes like fresh grass clippings soaked in water. I'm impressed that you actually brewed and tasted a tea made from, "fresh grass clippings soaked in water." Have you made any other exotic tea-...

Earl, you could try it yourself and see what you think. I don't know why my personal preferences would imply you couldn't enjoy basil tea. My preferences might be strange -- I actually enjoy "tea" made from another vile weed, Yerba mate, so I could be atypical.

Pesto can be readily frozen for year-round use. Anyway, I have tried basil tea and I do not enjoy it. It tastes like fresh grass clippings soaked in water.

I would prefer to make pesto which is delicious, typically expensive to purchase, and not hard to make with a good food processor (just add walnut (pine nuts not essential, though expensive), cheese (parmesan or romano), and oil).

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