Search found 324 matches

by ArmchairArchitect
Mon Feb 01, 2021 12:21 pm
Forum: Investing - Theory, News & General
Topic: Physical Silver VS SLV
Replies: 50
Views: 5107

Re: Physical Silver VS SLV

Just keep in mind it's a hoarding of resources.

Just one example: the more that silver is hoarded (as a store of wealth), the higher the price of solar panels (which use silver), thus less solar panels out there in the world providing a benefit to society.
by ArmchairArchitect
Fri Jan 08, 2021 4:10 pm
Forum: Personal Investments
Topic: Signing up to webull
Replies: 16
Views: 1177

Re: Signing up to webull

Using a Chinese Communist Party-linked trading platform seems incredibly naïve to me.
by ArmchairArchitect
Wed Dec 09, 2020 6:45 pm
Forum: Personal Investments
Topic: 401k - High Fees - Need Advice
Replies: 15
Views: 974

Re: 401k - High Fees - Need Advice

If it's a large company, she should put a little pressure on HR/the plan administrator (ADP can tell you who this is at her company and their contact info) to offer lower fee funds. Have her share some credible whitepapers/articles to back up her assertions and educate them, since usually these HR P...
by ArmchairArchitect
Wed Nov 18, 2020 2:14 pm
Forum: Personal Investments
Topic: Alternatives to not-so-high yield savings??
Replies: 21
Views: 1917

Re: Alternatives to not-so-high yield savings??

I let it sit. The interest is still better than nothing and that's not the reason the $$ is in a savings account. Wrong. You're losing money when you take inflation into account, of which a TON is coming due to massive fiscal stimulus/bailouts, and the Fed's decision to go above the 2% inflation ta...
by ArmchairArchitect
Thu Nov 12, 2020 1:38 pm
Forum: Personal Consumer Issues
Topic: Must See Places in Southern France?
Replies: 40
Views: 2226

Re: Must See Places in Southern France?

We stayed coastal, but did Nice as home base, with easy day trips (via train, bus, or rental car) to Cannes, Antibes, and Monaco. Liked Nice the best out of the coastal towns.
by ArmchairArchitect
Thu Oct 15, 2020 9:45 am
Forum: Investing - Theory, News & General
Topic: Big Mac Index and Bogleheaders' Thoughts on it
Replies: 41
Views: 3428

Re: Big Mac Index and Bogleheaders' Thoughts on it

Used to be fairly accurate back in the day, but in these days of "technology deflation" as an additional variable, it's not really a useful measure anymore.

It was always intended to be a "fun" measure, not anything scientific.

That being said, the CPI is garbage.
by ArmchairArchitect
Thu Oct 15, 2020 9:32 am
Forum: Investing - Theory, News & General
Topic: Why is Large Growth disliked?
Replies: 77
Views: 8223

Re: Why is Large Growth disliked?

I switched a lot of my holdings from VTSAX to a few Vanguard large growth funds after I updated and solicited responses to this old thread, right after I saw how resilient they were in the COVID market crash: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=1542&p=5238866#p5238866 I was...
by ArmchairArchitect
Thu Oct 15, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: BISSELL Spinwave Powered Hardwood Floor Mop and Cleaner?
Replies: 6
Views: 492

Re: BISSELL Spinwave Powered Hardwood Floor Mop and Cleaner?

I'd be very apprehensive about any power cleaner making actual physical contact with the hardwood. If it has hard plastic brushes or anything other than microfiber (which would need to be cleaned or replaced each time to remove dirt specs that can scratch the floors) it's likely to leave microscratc...
by ArmchairArchitect
Thu Oct 15, 2020 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Should we refinance to a 15-year mortgage?
Replies: 74
Views: 5787

Re: Should we refinance to a 15-year mortgage?

I'm currently refinancing to another 30 year mortgage at an interest rate of 2.625% with zero lender fees, no appraisal required, and a $1500 lender credit toward 3rd party closing costs. The 15 year rate is about 0.5% less from what I've seen. The extra money from the lower payments on the 30 year ...
by ArmchairArchitect
Mon Jul 13, 2020 4:30 pm
Forum: Investing - Theory, News & General
Topic: 4% rule - confidence poll
Replies: 457
Views: 27632

Re: 4% rule - confidence poll

Some large cap A-rated REITs are yielding 4% or more, such as AVB, BXP, SPG (or VNQ if you like ETF). These companies also only pay out 40% to 70% of their cashflow and invest the rest for growth. Real estate probably will beat inflation, so the 4%+ dividend should be pretty safe and inflation prot...
by ArmchairArchitect
Thu Jul 09, 2020 10:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard Sells out to China
Replies: 8
Views: 1923

Re: Vanguard Sells out to China

You certainly can divest in funds that you are not happy about. I've been only in funds that shun China and Russia for quite a few years and will continue to do that. Yes, that goes without saying. What I'm talking about is Vanguard weighing in on regulations, purporting to represent a consensus am...
by ArmchairArchitect
Thu Jul 09, 2020 10:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard Sells out to China
Replies: 8
Views: 1923

Vanguard Sells out to China

https://www.bloomberg.com/news/articles/2020-07-09/vanguard-nyse-set-to-weigh-in-on-u-s-crackdown-on-china-firms "Vanguard believes that global diversification and investing in China is beneficial for investors” What does this have to do with forcing Chinese (or any foreign) companies to comply...
by ArmchairArchitect
Fri Jun 05, 2020 3:13 pm
Forum: Personal Investments
Topic: Vanguard Website not working right ??
Replies: 18
Views: 1503

Re: Vanguard Website not working right ??

Same issue here. Overview/dashboard is in "old" style.
by ArmchairArchitect
Wed May 27, 2020 12:24 pm
Forum: Personal Investments
Topic: Timing 401k Rollover from ADP to Vanguard
Replies: 7
Views: 345

Re: Timing 401k Rollover from ADP to Vanguard

retiredjg wrote: Wed May 27, 2020 11:30 am Maybe this is not the best time to do a rollover. Can it wait?
It can, but I want to get my 401k out of ADP asap as their fees/expense ratios are sky high.
by ArmchairArchitect
Wed May 27, 2020 10:45 am
Forum: Personal Investments
Topic: Timing 401k Rollover from ADP to Vanguard
Replies: 7
Views: 345

Re: Timing 401k Rollover from ADP to Vanguard

I wouldn't worry about timing. You aren't likely to miss very much, and even if you miss 1% to 2%, in the long run that wouldn't matter. Talk to ADP first, chance are it takes 3-5 business days. 1% to 2% of a large chunk of cash, of course that matters (especially when compounded over the years)! I...
by ArmchairArchitect
Wed May 27, 2020 9:24 am
Forum: Personal Investments
Topic: Timing 401k Rollover from ADP to Vanguard
Replies: 7
Views: 345

Timing 401k Rollover from ADP to Vanguard

Anyone have experience with rolling over a 401k administered by ADP over to Vanguard? Specifically how long this process takes start to finish? My concern is missing out on market gains while the money is in transit from ADP to Vanguard. Obviously the market could go down as well. I would like to mi...
by ArmchairArchitect
Fri May 15, 2020 8:43 am
Forum: Personal Investments
Topic: Anyone familiar with 401k administration? Employer withdrew my personal funds from 401k "temporarily" due to "testing".
Replies: 4
Views: 615

Re: Anyone familiar with 401k administration? Employer withdrew my personal funds from 401k "temporarily" due to "testin

Sounds like you are an HCE (Highly Compensated Employee, which by IRS definition is anyone earning more than $130k per year). Every 401k plan is subject to tests called ADP (actual deferral percentage) and ACP (actual contribution percentage) testing annually. In this testing, if any HCE is deemed ...
by ArmchairArchitect
Fri May 15, 2020 8:00 am
Forum: Personal Investments
Topic: Anyone familiar with 401k administration? Employer withdrew my personal funds from 401k "temporarily" due to "testing".
Replies: 4
Views: 615

Anyone familiar with 401k administration? Employer withdrew my personal funds from 401k "temporarily" due to "testing".

Short summary: I have a 401k through an employer, all contributions are my own as employer does not offer any matching contributions. 401k is administered by ADP. I left the company at the end of April, and was preparing a rollover to Vanguard when I happened to notice that in March, approximately $...
by ArmchairArchitect
Sun May 10, 2020 10:26 am
Forum: Personal Investments
Topic: VIGAX (Mutual Fund) versus VUG (ETF) - Identical funds, but which to choose?
Replies: 12
Views: 2633

Re: VIGAX (Mutual Fund) versus VUG (ETF) - Identical funds, but which to choose?

Sounds like the bid/ask spread of ETFs is a factor, per a poster from that other thread: "One advantage of mutual funds is there is no bid/ask spread. You know you are buying at the fair and exact market price. This is especially important for DRIP. The bid/ask spread of ETF's can add up over t...
by ArmchairArchitect
Sun May 10, 2020 9:28 am
Forum: Personal Investments
Topic: VIGAX (Mutual Fund) versus VUG (ETF) - Identical funds, but which to choose?
Replies: 12
Views: 2633

Re: VIGAX (Mutual Fund) versus VUG (ETF) - Identical funds, but which to choose?

nisiprius wrote: Sun May 10, 2020 9:17 am ability to make automatic periodic purchases or sales (mutual funds)
Thanks, didn't realize you couldn't do automatic investments with Vanguard for ETFs, that's definitely one factor to consider.
by ArmchairArchitect
Sun May 10, 2020 9:22 am
Forum: Personal Investments
Topic: VIGAX (Mutual Fund) versus VUG (ETF) - Identical funds, but which to choose?
Replies: 12
Views: 2633

Re: VIGAX (Mutual Fund) versus VUG (ETF) - Identical funds, but which to choose?

What type of account are you considering? Taxable or tax advantage account? I believe Mutual fund can exchange for different more fund easily at end of day prices for each. while ETF requires a sell in real time of whole shares during trading hours then a purchase of alternative in whole shares. Ta...
by ArmchairArchitect
Sun May 10, 2020 9:16 am
Forum: Personal Investments
Topic: VIGAX (Mutual Fund) versus VUG (ETF) - Identical funds, but which to choose?
Replies: 12
Views: 2633

Re: VIGAX (Mutual Fund) versus VUG (ETF) - Identical funds, but which to choose?

On those websites you linked, or other sites like yahoo or Morningstar, what does it say about the history of capital gains distributions? There are many differences between mutual funds and ETFs. They are small and personal so no one can really answer for you. Your choices are either to read and r...
by ArmchairArchitect
Sun May 10, 2020 8:46 am
Forum: Personal Investments
Topic: VIGAX (Mutual Fund) versus VUG (ETF) - Identical funds, but which to choose?
Replies: 12
Views: 2633

VIGAX (Mutual Fund) versus VUG (ETF) - Identical funds, but which to choose?

These are both identical index funds, what are the advantages/disadvantages of choosing the mutual fund version or ETF version of the fund? - I assume VIGAX has annual capital gains distributions since it's a mutual fund, which I don't want. Unless Vanguard uses the same trick/loophole they use for ...
by ArmchairArchitect
Fri May 08, 2020 11:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard U.S. Growth: Give me a reason
Replies: 30
Views: 8261

Re: Vanguard U.S. Growth: Give me a reason

Revisiting this old thread because when looking at Vanguard's current lineup and how it's fared during the CCP virus downturn, VWUSX/VWUAX seems to be the best positioned out of all of Vanguard's funds when you look at both short and long-term performance/resiliency (YTD, 1 Year, 5 year, 10 year, an...
by ArmchairArchitect
Wed Apr 15, 2020 9:03 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard or any other institution offer the ability to customize index funds?
Replies: 40
Views: 1971

Re: Does Vanguard or any other institution offer the ability to customize index funds?

If you had a few companies you wanted to exclude (say, fewer than 10), it would be possible to find all the funds that own them and just avoid those funds. But you probably wouldn’t be diversified very well. If I'm 95% of VTSAX holdings (the other 5% being sectors or companies I want to exclude), I...
by ArmchairArchitect
Wed Apr 15, 2020 4:16 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard or any other institution offer the ability to customize index funds?
Replies: 40
Views: 1971

Re: Does Vanguard or any other institution offer the ability to customize index funds?

Some folks talk about using M1 Finance to build your own "index" using fractional stock shares. No institution is going to build one that matches your specifics. The fees would be outrageous. https://www.m1finance.com/how-it-works/invest/ Cheers Why would the fees be outrageous? Vanguard ...
by ArmchairArchitect
Wed Apr 15, 2020 4:05 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard or any other institution offer the ability to customize index funds?
Replies: 40
Views: 1971

Does Vanguard or any other institution offer the ability to customize index funds?

I'd like to have a broad/diversified index fund investment, but exclude certain industries/sectors (airlines, oil, Chinese IPOs) etc. or even certain companies from my portfolio based on poor performance or not wanting to invest in them for personal reasons. So for example, Vanguard Total Stock Mark...
by ArmchairArchitect
Mon Mar 09, 2020 9:22 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 200871

Re: Bogleheads community discussion - Coronavirus

Iran and Italy are not good studies for what would happen in the US. Iran is obvious, but also Italy is pretty much a "1.5 world" country rather than a first world country as far as economy, government efficiency, quality of healthcare, etc. South Korea or Japan are probably the best studi...
by ArmchairArchitect
Sun Mar 08, 2020 10:33 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4089
Views: 325454

Re: Coronavirus and the market

This alone is worthwhile. When you don’t do this the CFR rises as we’ve seen in Wuhan. It is not “just like the flu” in impact, economic or human. That’s the point. So we know to start social distancing and other policies at a greater level than the normal flu. The markets will go down as a result ...
by ArmchairArchitect
Sun Mar 08, 2020 10:03 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 200871

Re: Coronavirus and the market

This alone is worthwhile. When you don’t do this the CFR rises as we’ve seen in Wuhan. It is not “just like the flu” in impact, economic or human. That’s the point. So we know to start social distancing and other policies at a greater level than the normal flu. The markets will go down as a result ...
by ArmchairArchitect
Sat Feb 29, 2020 10:07 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4089
Views: 325454

Re: Coronavirus and the market

Post-Coronavirus manufacturing numbers from China posted last night . Unfortunately worst numbers since 2008 if I am reading it correctly. Looks like the market will be responding to this next week too. Already expected, and priced into the market. Also, focus on US numbers, not China's. Many US co...
by ArmchairArchitect
Fri Feb 28, 2020 4:50 pm
Forum: Investing - Theory, News & General
Topic: How will banks profit from making 30 year fixed rate mortgages?
Replies: 38
Views: 3444

Re: How will banks profit from making 30 year fixed rate mortgages?

The loans in the aggregate aren't held for 30 years.

The average amount of time homeowners remain in a home is 8 years.

Source: https://ipropertymanagement.com/researc ... eownership
by ArmchairArchitect
Thu Feb 27, 2020 2:43 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4089
Views: 325454

Re: Coronavirus and the market

In a year and a half to two years there will be a vaccine. The whole thing will be cleared up within 3 years. A vaccine has already been developed and is going to clinical trials: http://archive.vn/H45i9 "Public-health authorities say advances in vaccine technology, aided by government and pri...
by ArmchairArchitect
Thu Feb 27, 2020 2:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23289
Views: 3043589

Re: U.S. stocks in free fall

1) Vaccine will most likely be found in following months; Please tell me why my logic is faulty, it might as well be. I don't know where some are getting their information. We are being told by health professionals that it will take a year or more to find a vaccine, then who knows how long to mass ...
by ArmchairArchitect
Tue Feb 25, 2020 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 48406

Re: 30 year mortgage under 3%

I've always used Zillow's mortgage/refinance marketplace to get tons of customized rate quotes all at once, then sort by APR:
https://www.zillow.com/refinance/#/

Just make sure to pick a company with stellar reviews.
by ArmchairArchitect
Thu Feb 13, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28755

Re: Protection Against Home Intruders

- Simplisafe or Ring Home Security system ($15/mo and $10/mo respectively). Our Simplisafe system came with little "remotes" that we keep next to our bed (one on each side for me and my wife), with a panic button which dispatches police that same way that triggering the alarm would. - Secu...
by ArmchairArchitect
Thu Feb 06, 2020 1:11 pm
Forum: Personal Consumer Issues
Topic: PSA: Replace the anode rod on your water heater every few years to prolong its life.
Replies: 91
Views: 8691

Re: PSA: Replace the anode rod on your water heater every few years to prolong its life.

I think in Chicago area our water is relatively "hard" which prolongs the life of water heaters yes? I was all ready to replace my anode rods back in 2014 when the heaters were about 10yrs old. Couldn't budge them even with some cheater bar and help from my Dad. We gave up in the end rath...
by ArmchairArchitect
Mon Feb 03, 2020 3:50 pm
Forum: Personal Consumer Issues
Topic: PSA: Replace the anode rod on your water heater every few years to prolong its life.
Replies: 91
Views: 8691

Re: PSA: Replace the anode rod on your water heater every few years to prolong its life.

Bradford White water heaters are the best (for the plumber). As a consumer, I avoid them. That is my conclusion too - there is no other excuse for intentionally making required maintenance more difficult. Unfortunately I agree. And plumbers are in on Bradford White's game as they all seem to recomm...
by ArmchairArchitect
Sun Feb 02, 2020 9:59 pm
Forum: Personal Consumer Issues
Topic: PSA: Replace the anode rod on your water heater every few years to prolong its life.
Replies: 91
Views: 8691

Re: PSA: Replace the anode rod on your water heater every few years to prolong its life.

I looked into this a few years ago. Anode rod replacement seems to be dependent on geography. Around where I live the hardware stores don’t even sell anode rods, and a local master plumber told me that this wasn’t necessary. So just because you can't get a specialty part locally means you can't obt...
by ArmchairArchitect
Sun Feb 02, 2020 4:43 pm
Forum: Personal Consumer Issues
Topic: PSA: Replace the anode rod on your water heater every few years to prolong its life.
Replies: 91
Views: 8691

Re: PSA: Replace the anode rod on your water heater every few years to prolong its life.

quantAndHold wrote: Sun Feb 02, 2020 4:07 pm So if the hot water heater is 15+ years old with no maintenance in the meantime, should I still do this, or am I asking for trouble?

Asking for a friend...
Still do it, you'll extend the life of your water heater because the anode rod helps prevent further corrosion of the inside of your tank.
by ArmchairArchitect
Sun Feb 02, 2020 1:59 pm
Forum: Personal Consumer Issues
Topic: PSA: Replace the anode rod on your water heater every few years to prolong its life.
Replies: 91
Views: 8691

Re: PSA: Replace the anode rod on your water heater every few years to prolong its life.

Not really an easy DIY job if you have a Bradford White WH like many of us do. The anode rod in a Bradford White water heater is located at the hot water outlet of your tank. Unfortunately, it is not easily accessible. You must remove the hot water outlet to access it. Yeah ours is a Bradford White...
by ArmchairArchitect
Sun Feb 02, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: What's the difference between Uber and Lyft?
Replies: 63
Views: 5529

Re: What's the difference between Uber and Lyft?

I would just get the cheaper one. Whenever I've been in cities with more than one ride-sharing app, I just search for prices on both and then take the cheaper one. Especially if it's just one or two of you, it really shouldn't matter. I've noticed that depending on the city some apps have better co...
by ArmchairArchitect
Sun Feb 02, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: Whole house humidifier/purifier
Replies: 3
Views: 641

Re: Whole house humidifier/purifier

I'm in the process of installing an Aprilaire unit in our home- pretty much the gold standard for whole house humidifiers, after doing a ton of research. You can buy them on Amazon. It works with forced air/ducted heating systems. Besides health benefits, here are others: - Your heating costs will b...
by ArmchairArchitect
Sun Feb 02, 2020 12:31 pm
Forum: Personal Consumer Issues
Topic: PSA: Replace the anode rod on your water heater every few years to prolong its life.
Replies: 91
Views: 8691

Re: PSA: Replace the anode rod on your water heater every few years to prolong its life.

Pretty easy DIY job as well. Only if the old rod breaks loose easily. On mine it was frozen and required serious effort to hold the water heater and keep it from turning while putting 200+ ft-lb on the rod. This was after an air impact wrench failed to break it loose. Yeah mine was stuck on really ...
by ArmchairArchitect
Sun Feb 02, 2020 12:28 pm
Forum: Personal Consumer Issues
Topic: PSA: Replace the anode rod on your water heater every few years to prolong its life.
Replies: 91
Views: 8691

Re: PSA: Replace the anode rod on your water heater every few years to prolong its life.

Another thread on here prompted me to create this thread. The anode rod is a sacrificial rod that is inside every water heater and is designed to corrode from minerals in the water, to prevent the tank itself from corroding. Most people don't know what this is, and that it needs to be done, but doi...
by ArmchairArchitect
Sun Feb 02, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: PSA: Replace the anode rod on your water heater every few years to prolong its life.
Replies: 91
Views: 8691

PSA: Replace the anode rod on your water heater every few years to prolong its life.

Another thread on here prompted me to create this thread. The anode rod is a sacrificial rod that is inside every water heater and is designed to corrode from minerals in the water, to prevent the tank itself from corroding. Most people don't know what this is, and that it needs to be done, but doin...
by ArmchairArchitect
Sun Feb 02, 2020 10:44 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1503
Views: 179005

Re: What frugal thing did you do today?

Replaced the anode rod on our water heater (maintenance that needs to be done on every water heater every few years).

Didn't have to pay someone to do it, but more importantly, greatly prolongs the life of water heaters.
by ArmchairArchitect
Wed Dec 11, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefits?
Replies: 83
Views: 15301

Re: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefi

OP is looking for certain "key benefits," so although the Bank of America, PayPal, State Department Federal Credit Union, Fidelity, and PenFed cards all earn 2% or more, none of those cards have the "key benefits" that used to exist on the Citi Double Cash card. If those missing...
by ArmchairArchitect
Tue Dec 10, 2019 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefits?
Replies: 83
Views: 15301

What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefits?

Have had the Citi Double Cash card for years (2% cash back, no annual fee) but looking to switch now that Citi has removed most travel and shopping protections: https://thepointsguy.com/news/citi-removes-travel-shopping-protections/ What's the inventory of cards that offer 2% cash back on ALL purcha...
by ArmchairArchitect
Wed Nov 13, 2019 2:29 pm
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 200
Views: 19252

Re: Spend It All vs. Leave $$ for the Kids

Spend as much as you want, and leave the rest to charity. The problem with inheritances is that they create an unlevel playing field in society (which is unearned by the beneficiaries to the detriment of those that don't have the same). This is why I respect "new money" instead of "ol...