Search found 906 matches

by Whakamole
Mon Jun 17, 2019 9:35 am
Forum: Investing - Theory, News & General
Topic: What's the Best Diversifier for Equity Risk? [Morningstar article]
Replies: 40
Views: 3280

Re: "Whats-the-Best-Diversifier-or-equity-risk.

Taylor, Long Term Treasury bonds are the best diversifier against bear markets except for 1973-1974. That suggests to me that maybe a combination of long-term Treasuries and long-term TIPS would be an even better diversifier. Very good idea, TIPS don't have that long of a history, so not too much h...
by Whakamole
Sun Jun 16, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One will only send security notices if you let them spy on you once in a while
Replies: 46
Views: 2847

Re: Capital One will only send security notices if you let them spy on you once in a while

I think this is partly because of the law. If you don't let them prove that you are getting their messages, then they are probably in violation of the state escheat regulations. What law? As someone else pointed out, there's no way to "prove" I opened a paper envelope. Except physical mail to dead ...
by Whakamole
Sun Jun 16, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One will only send security notices if you let them spy on you once in a while
Replies: 46
Views: 2847

Re: Capital One will only send security notices if you let them spy on you once in a while

I think this is partly because of the law. If you don't let them prove that you are getting their messages, then they are probably in violation of the state escheat regulations. What law? As someone else pointed out, there's no way to "prove" I opened a paper envelope. Except physical mail to dead ...
by Whakamole
Tue Jun 11, 2019 9:27 pm
Forum: Investing - Theory, News & General
Topic: Anyone buying Beyond Meat stock?
Replies: 35
Views: 2778

Re: Anyone buying Beyond Meat stock?

You can buy pea protein burgers at Trader Joes. They're fine, in the same way that Boca burgers or Quorn or any of the other vegetarian burger substitutes are fine. It's a source of protein that you can put in a bun.
by Whakamole
Fri Jun 07, 2019 11:56 am
Forum: Investing - Theory, News & General
Topic: The logical fallacy behind "Bonds Are For Safety"
Replies: 248
Views: 15378

Re: The logical fallacy behind "Bonds Are For Safety"

What’s your definition of “safety”? What’s your definition of “bond” ? Indeed. The logical fallacy about bonds begins with failing to define "safe." I totally agree with this, and I think it's an important enough point that it deserves it's own thread. The "bonds are for safety" argument, it seems ...
by Whakamole
Fri Jun 07, 2019 11:49 am
Forum: Investing - Theory, News & General
Topic: Episode 010: Bogleheads on Investing - guests Debbie Fuhr and Robin Powell
Replies: 9
Views: 938

Re: Episode 010: Bogleheads on Investing - guests Debbie Fuhr and Robin Powell

I think Mr. Ferri gave out more information than his guest. I'm not sure why the journalist made a documentary and why he was surprised that it didn't do well. Sorry, Mr. Ferri, didn't make it until the end. The you missed out. My second guest, Debbie Fuhr, is world’s leading ETF analyst and had pl...
by Whakamole
Fri Jun 07, 2019 11:22 am
Forum: Investing - Theory, News & General
Topic: Bond index funds at risk due to BBB investment grade corporate bonds?
Replies: 10
Views: 944

Re: Bond index funds at risk due to BBB investment grade corporate bonds?

Two-thirds of Vanguard's total bond fund is in Treasuries. If corporate BBB bonds start declining couldn't we expect Treasuries to rise due to the flight-to-safety effect? Depends on whether the upside of Treasuries (which will be limited) will offset any decline in BBB bonds (which is also limited...
by Whakamole
Fri Jun 07, 2019 11:16 am
Forum: Investing - Theory, News & General
Topic: Episode 010: Bogleheads on Investing - guests Debbie Fuhr and Robin Powell
Replies: 9
Views: 938

Re: Episode 010: Bogleheads on Investing - guests Debbie Fuhr and Robin Powell

I think Mr. Ferri gave out more information than his guest. I'm not sure why the journalist made a documentary and why he was surprised that it didn't do well.

Sorry, Mr. Ferri, didn't make it until the end.
by Whakamole
Tue Jun 04, 2019 8:56 am
Forum: Investing - Theory, News & General
Topic: Fidelity expands commission-free ETF list to >500
Replies: 55
Views: 4544

Re: Fidelity expands commission-free ETF list to >500

The companies being added on the list include the actively managed ETF crowd ... Janus, Franklin Templeton, Invesco, PIMCO, Legg Mason, American Century, and John Hancock. So Fidelity is rolling out the red carpet for high cost active ETFs and collecting product placement fees to help pay for CMA a...
by Whakamole
Mon Jun 03, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipping, bait-and-switch?
Replies: 46
Views: 4265

Re: Amazon free shipping, bait-and-switch?

Are you trying to ship to an Amazon locker? I think that is now for Prime only unless you pay shipping.

I've had similar problems over the past few months. I don't buy very much from Amazon anymore.
by Whakamole
Mon Jun 03, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 6960

Re: Do you drive old cars for long distance travels?

These threads are unique to BH and always hilarious. Do people not maintain their cars? Make sure you're up to date on routine maintenance (ie. oil & filter changes), check the tire pressure, oil level and coolant before you go. That's it! Waiting a number of people chiming in to say "You should re...
by Whakamole
Mon Jun 03, 2019 1:36 pm
Forum: Investing - Theory, News & General
Topic: Convince me to sell ESPP / Company Stock
Replies: 22
Views: 1130

Re: Convince me to sell ESPP / Company Stock

Many employees think their employer will do well in the future. Enron employees, Washington Mutual employees, etc.

Even if the company stays in business, there is zero guarantee that it will return market rate or better. Ask GE employees.
by Whakamole
Mon Jun 03, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Road Trip! Texas to Virginia places to see/visit
Replies: 21
Views: 1021

Re: Road Trip! Texas to Virginia places to see/visit

SW Virginia - how SW? Bristol, Roanoke...?

The Great Smoky Mountains are nice. Asheville is very popular with the tourists, lots of pubs if you are a beer drinker.
by Whakamole
Mon Jun 03, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Dual coffee maker suggestion
Replies: 24
Views: 1505

Re: Dual coffee maker suggestion

Aeropresses make good coffee and are inexpensive.
by Whakamole
Sat Jun 01, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 2869

Re: 23 and me vs. ancestry- thoughts?

I was ignoring these sites. UNTIL: Recently I''ve learned that the data generated by 23andMe can be used in other sites that provide detailed genetic information that can be used for genetic-based personalized treatments such as nutrigenomics and pharmacogenomics. And so I did the 23andMe test and ...
by Whakamole
Fri May 31, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 2869

Re: 23 and me vs. ancestry- thoughts?

Why do you want to do this?
by Whakamole
Sun May 26, 2019 1:10 pm
Forum: Investing - Theory, News & General
Topic: VEIGX [Vanguard Global ESG Select Stock Fund]
Replies: 10
Views: 1466

Re: VEIGX

My guess is that its future returns will trail the market somewhat. There actually seems to be a "sin" premium in the markets. Are you sure about that? Vanguard Energy ETF has returned -5% the last 5 years. Vanguard Social Choice ETF has outperformed the S&P over 1, 3, 5, and 10 year timeframes. I ...
by Whakamole
Thu May 23, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 6712

Re: Is Tesla Going To Survive?

Eventually chargers are going to be standardized anyway. There is no way you are going to have separate recharging stations to different brands long term. The EU has already mandated this. Indeed. My take on the issue is that unless batteries themselves are standardized and can be easily and quickl...
by Whakamole
Mon May 20, 2019 12:34 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast stats and guests
Replies: 17
Views: 2049

Re: "Bogleheads on Investing" podcast stats and guests

This is now one of my must-listen podcasts. Just finished up the latest one with Wes Gray today.
by Whakamole
Sat May 18, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 3968

Re: Instant Coffee?

Via is very good but $$$. Bustelo is more like espresso, I also like it. PLEASE make sure you warn coffee drinkers before you attempt to serve them instant coffee in place of real coffee. For a lot of us coffee drinkers - we would rather go without than drink instant. My recommendation is also to ke...
by Whakamole
Wed May 15, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Using my Cell Phone in England
Replies: 47
Views: 2197

Re: Using my Cell Phone in England

You could change your service to Google Fi here in the US and then just smile when you land in the UK and it connects automatically to a local cell provider. I'll be doing this in a few months... Yes. I did smile when I landed in the UK in 2017 with my Fi phone, and it just worked, both phone and d...
by Whakamole
Wed May 15, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Google Physical Authenticator (Titan) Recall
Replies: 4
Views: 529

Re: Google Physical Authenticator (Titan) Recall

HEDGEFUNDIE wrote:
Wed May 15, 2019 5:36 pm
Switched from Google to Authy years ago and haven’t had a problem.
This story is referring to a physical device similar to a Yubikey, not an app-based authenticator.
by Whakamole
Mon May 13, 2019 12:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11010
Views: 1919953

Re: U.S. stocks in free fall

Looks like it is TLH time for international, again. :oops:
by Whakamole
Wed May 01, 2019 8:14 am
Forum: Investing - Theory, News & General
Topic: [How ETFs use "Heartbeat trades" to avoid taxes, Vanguard's patent]
Replies: 116
Views: 6099

Re: Bloomberg--Vanguard Patented a Way to Avoid Taxes on Mutual Funds

Is anyone able to decode this statement? How is this bad for "confidence in capital markets"? I can understand other fund companies not being happy with Vanguard's advantages, but how is this at all bad for the customers? ...Mario Gabelli, founder of mutual fund manager Gamco Investors Inc., said h...
by Whakamole
Wed May 01, 2019 1:15 am
Forum: Investing - Theory, News & General
Topic: Too short of the time to make a judgement? FZROX/VTSAX
Replies: 14
Views: 1455

Re: Too short of the time to make a judgement? FZROX/VTSAX

https://i.postimg.cc/9FmFYsjj/fido.jpg Two of those are large cap funds and should be compared with VFIAX (Vanguard S&P 500) or VLCAX (Vanguard Large Cap.) Per M*, VFIAX YTD return is 18.13% and VLCAX is 18.24%, either the same or within rounding errors of the corresponding Fidelity funds. The othe...
by Whakamole
Tue Apr 30, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 10714

Re: Men & Women: What do you pack for travel inside 1 carry-on luggage only??

Getting back to medication - has anyone had issues crossing borders and not bringing each medication in the original prescription bottle? The bulk can add up pretty quickly. Taking the written prescription from the pharmacy + 7 day containers or one container with a set of pills is much more efficie...
by Whakamole
Mon Apr 29, 2019 9:26 am
Forum: Investing - Theory, News & General
Topic: Consensus on I Bonds for 2019?
Replies: 67
Views: 10978

Re: Consensus on I Bonds for 2019?

The purchase date goes through on the next business day, so if you want to buy for April, do it today.
by Whakamole
Sat Apr 27, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 28201

Re: 20 countries where 200K in retirement savings will last you decades

I always see the same countries. Thailand, Spain, etc. Makes me wonder how much thought is put into this list, or whether they are just reshuffling a set of well-known countries for ex-pats. I think it is more than these kinds of lists don't change very frequently. It isn't like a sports league tab...
by Whakamole
Sat Apr 27, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 28201

Re: 20 countries where 200K in retirement savings will last you decades

Here's International Living's top 10 international retirement destinations: http://www1.internationalliving.com/sem/retirement/retirement-index/report/ppc.html Pretty much the same list as the earlier one. I always see the same countries. Thailand, Spain, etc. Makes me wonder how much thought is pu...
by Whakamole
Sat Apr 27, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Sinemia shuts down US operations
Replies: 7
Views: 1585

Re: Sinemia shuts down US operations

Bottom line is these independent movie apps (Moviepass) cannot make money and will fail. I basically made this point in that other thread but it's not necessarily automatically true. Google, Facebook, never made money directly off the customers. They sold ads and maybe your information but it was a...
by Whakamole
Thu Apr 25, 2019 8:52 am
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 13744

Re: Google sheets not pulling stock prices

I went to Google Sheets, Help, Report a Problem and informed them that it's not working for VTIAX. This has been an intermittent issue for at least a year now. See e.g. https://issuetracker.google.com/issues/76403135. It's always been resolved within a few days. Still broken. I haven't seen any res...
by Whakamole
Sat Apr 20, 2019 9:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard kicking butt with Target Date Funds
Replies: 22
Views: 5304

Re: Vanguard kicking butt with Target Date Funds

I know someone who uses exclusively TD funds. They may be jealous because I can do TLH easily between similar-but-not-too-similar funds; that resulted in the government sending me a check (well, I-bonds) instead of me having to send them a check last year. But you can't doubt the simplicity of targe...
by Whakamole
Sat Apr 20, 2019 9:33 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8597

Re: This could be the biggest risk that retirees face?

Why I Hope to Die at 75 by Ezekiel J. Emanuel (Ezekiel J. Emanuel is an oncologist, a bioethicist, and a vice provost of the University of Pennsylvania. He is the author or editor of 10 books, including Brothers Emanuel and Reinventing American Health Care. ) https://getpocket.com/explore/item/why-...
by Whakamole
Fri Apr 19, 2019 7:39 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8597

Re: This could be the biggest risk that retirees face?

I'm more concerned about having to go back to the workforce than maybe live to 100.
by Whakamole
Fri Apr 19, 2019 7:26 am
Forum: Investing - Theory, News & General
Topic: Consensus on I Bonds for 2019?
Replies: 67
Views: 10978

Re: Consensus on I Bonds for 2019?

I worry that somehow my beneficiaries will not know about my Treasury Direct account. Banks send electronic statements (and you can grant access to email), and usually paper statements. The Treasury doesn't say a peep. That said, it's another way to put money in tax-deferred accounts; even an indivi...
by Whakamole
Mon Apr 15, 2019 9:56 am
Forum: Investing - Theory, News & General
Topic: ETFs vs. Mutual Funds ("Bogleheads Mentioned in the NYT")
Replies: 59
Views: 8497

ETFs vs. Mutual Funds ("Bogleheads Mentioned in the NYT")

goodenyou wrote:
Mon Apr 15, 2019 8:41 am
Maybe ETFs are like medicinal marijuana. Used by some for (possibly) the right reasons, but abused by others.
Not all mutual funds are pure. Anyone else remember the Steadman Funds?
by Whakamole
Sat Apr 13, 2019 12:56 pm
Forum: Investing - Theory, News & General
Topic: Socially Responsible [Investing]
Replies: 58
Views: 3791

Re: Socially Responsible [Investing]

I pulled the lever on the VFTAX (Vanguard Social Index) fund. It avoids 3 particular things of extreme non-interest to me (to put it politely). I’m ok if it underperforms the market, although it has bested it for the last 10 years; perhaps because of an overweight on tech? Overweight on tech, finan...
by Whakamole
Thu Apr 11, 2019 6:08 pm
Forum: Investing - Theory, News & General
Topic: Thrift Savings Plan expenses rising
Replies: 50
Views: 4266

Re: Thrift Savings Plan expenses rising

According to the latest TSP Highlights newsletter , net expenses are now 0.040-0.041%, up from 0.032-0.033% last year and 0.038% the year before. A small increase, certainly, but I hope the Federal Retirement Thrift Investment Board (FRTIB) manages to implement some of the new withdrawal options wi...
by Whakamole
Mon Apr 08, 2019 4:21 pm
Forum: Investing - Theory, News & General
Topic: What is your one favorite Fidelity Fund??
Replies: 89
Views: 12430

Re: What is your one favorite Fidelity Fund??

I have only seen one post mentioning the fidelity ZERO funds. If we are all bogleheads how do we not all have this/these funds?! Is something wrong with them? I own FZROX in my IRA accounts at Fidelity. Been happy so far. I'm considering rolling over my mega backdoor 401(k) at Fidelity to a Roth IR...
by Whakamole
Fri Apr 05, 2019 10:22 am
Forum: Investing - Theory, News & General
Topic: FIDO Zero Funds losing to Vanguard?
Replies: 58
Views: 6824

Re: FIDO Zero Funds losing to Vanguard?

It seems to me the difference in all of those cases, other than SPDR (which was also changed to track an in-house index right as they introduced their ultra-low cost index funds), is that they are tracking a known, 3rd party index. For these zero-fee funds Fidelity has chosen to contract their own ...
by Whakamole
Fri Apr 05, 2019 9:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans to Launch Commodities Fund
Replies: 148
Views: 13418

Re: Vanguard Announces Plans to Launch Commodities Fund

Will it offer in-kind redemption, I'd love to have a truck of pork bellies delivered to my door.
by Whakamole
Fri Apr 05, 2019 9:27 am
Forum: Investing - Theory, News & General
Topic: FIDO Zero Funds losing to Vanguard?
Replies: 58
Views: 6824

Re: FIDO Zero Funds losing to Vanguard?

I'm not sure I find this argument compelling. There are multiple indices, from multiple companies, and funds not only go with different providers but switch as Vanguard has done in the past. And note that Vanguard has a Large Cap Index fund that uses a CRSP index, not the S&P 500 index.This is not ...
by Whakamole
Fri Apr 05, 2019 8:19 am
Forum: Investing - Theory, News & General
Topic: FIDO Zero Funds losing to Vanguard?
Replies: 58
Views: 6824

Re: FIDO Zero Funds losing to Vanguard?

Not exactly. They are different indexes. The FZROX for example has the largest 2500 stocks in the U.S. vs 3500 for the vanguard fund. FZROX has a slight large cap tilt. It is approximately 3/4 of the way between an S&P 500 index and a total market index. You will likely find over time that if large...
by Whakamole
Thu Apr 04, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13315

Re: Folks in their 60s and above. What early investment on health do you recommend.

Here you go from today in the The Lancet: https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(19)30041-8/fulltext Suboptimal diet is an important preventable risk factor for non-communicable diseases (NCDs); however, its impact on the burden of NCDs has not been systematically evaluated...
by Whakamole
Thu Apr 04, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13315

Re: Folks in their 60s and above. What early investment on health do you recommend.

Here you go from today in the The Lancet: https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(19)30041-8/fulltext Suboptimal diet is an important preventable risk factor for non-communicable diseases (NCDs); however, its impact on the burden of NCDs has not been systematically evaluated...
by Whakamole
Thu Apr 04, 2019 7:22 am
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13315

Re: Folks in their 60s and above. What early investment on health do you recommend.

Here you go from today in the The Lancet: https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(19)30041-8/fulltext Suboptimal diet is an important preventable risk factor for non-communicable diseases (NCDs); however, its impact on the burden of NCDs has not been systematically evaluated...
by Whakamole
Wed Apr 03, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13315

Re: Folks in their 60s and above. What early investment on health do you recommend.

Another disease that hasn't been mentioned: NAFLD (non-alcoholic fatty liver disease.) In a decade or so, it's predicted to be the #1 reason for liver transplants. Get your ALT/ASTs tested, and adjust diet accordingly.
by Whakamole
Wed Apr 03, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13315

Re: Folks in their 60s and above. What early investment on health do you recommend.

I found this doctor’s scientific approach to health and longevity quite interesting. The video below talks about the state of longevity research from a chemistry/biology perspective, and suggests several approaches to diet, exercise, and medications that may be helpful. https://peterattiamd.com htt...
by Whakamole
Wed Apr 03, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13315

Re: Folks in their 60s and above. What early investment on health do you recommend.

I found this doctor’s scientific approach to health and longevity quite interesting. The video below talks about the state of longevity research from a chemistry/biology perspective, and suggests several approaches to diet, exercise, and medications that may be helpful. https://peterattiamd.com htt...
by Whakamole
Fri Mar 29, 2019 6:17 pm
Forum: Investing - Theory, News & General
Topic: [How ETFs use "Heartbeat trades" to avoid taxes, Vanguard's patent]
Replies: 116
Views: 6099

Re: Heartbeats - The ETF Tax Dodge

I haven't read the whole article, but this sounds like they are talking about the well-known redemption mechanism where an ETF gives appreciated stock to an AP. Why is that a tax dodge?