Search found 444 matches

by Whakamole
Mon Oct 16, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads
Replies: 127
Views: 5473

Re: Fellow TDA bogleheads

I have both Vanguard ETFs and non-Vanguard ETFs at TD. If I transfer out all of my Vanguard ETF positions in-kind while maintaining my positions in the other non-Vanguard funds, does TD consider this a partial transfer (free) or a full transfer ($75 fee)? That should be considered a partial transfe...
by Whakamole
Fri Oct 13, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1719

Re: Earplugs that work on low frequency noise?

Unfortunately my city noise ordinance is only in effect til 7 am on weekdays, 8 am on weekends.
Have you considered finding a lawn service that will mow your lawn at 7am on weekdays?
by Whakamole
Thu Oct 12, 2017 8:21 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads Audiobook??
Replies: 3
Views: 391

Re: Bogleheads Audiobook??

Alexa9 wrote:
Thu Oct 12, 2017 7:25 pm
This would be great to spread the gospel for people that aren’t big readers. I’d also like to see an abridged version for high school graduates.
I think "If You Can" fits that latter niche quite nicely.
by Whakamole
Thu Oct 12, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6205

Re: MoviePass-Too good to be true, but it's legit.

Now MoviePass is saying they might not make it: https://www.bloomberg.com/news/articles ... ot-make-it

This is reminding me of the dotcom days.
by Whakamole
Wed Oct 11, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 73
Views: 6694

Re: Larry Swedroe: Non-US Valuations Look Attractive

He lists the P/E for DFA international small/value/etc. funds. By comparison, the Vanguard small/mid cap international fund VFSVX has: You can't compare P/E from different sources like that. Vanguard calculates it in a different way from DFA. Here is the Boglehead wiki on P/E: https://www.boglehead...
by Whakamole
Wed Oct 11, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13561

Re: [Boglehead vs Mr Money Mustache philosophies]

- A MMMer is defined by saving money by living on a small footprint. MMM stated he flew to multiple conferences last year (excluded in his budget.) One of those conferences was in Ecuador, which is a long flight away for most people. None of that seems like "living on a small footprint" especially ...
by Whakamole
Wed Oct 11, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13561

Re: [Boglehead vs Mr Money Mustache philosophies]

- A MMMer is defined by saving money by living on a small footprint. MMM stated he flew to multiple conferences last year (excluded in his budget.) One of those conferences was in Ecuador, which is a long flight away for most people. None of that seems like "living on a small footprint" especially ...
by Whakamole
Wed Oct 11, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13561

Re: [Boglehead vs Mr Money Mustache philosophies]

The only way a society could even work if everyone retired at 35 and did what they liked would be if we had robots doing all the unpleasant/difficult work that people retired to get away from (then we might need to worry about the robot revolt... ps I for one welcome our new robot overlords), or if ...
by Whakamole
Wed Oct 11, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 73
Views: 6694

Re: Larry Swedroe: Non-US Valuations Look Attractive

He lists the P/E for DFA international small/value/etc. funds. By comparison, the Vanguard small/mid cap international fund VFSVX has: P/E: 15.14 P/B: 1.49 These values are higher than the DFA international small cap value funds, but it's also better than the DFA international small cap (non-value) ...
by Whakamole
Wed Oct 11, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13561

Re: [Boglehead vs Mr Money Mustache philosophies]

MMM's 2016 budget included $6720 for insurance premiums, which he said the family business paid for, and $3,807 for son's broken arm. He said that at $30,193 that he claimed the family spent, represented less than 10% of their taxable income. He said he donated $100,000 to charities. In his spendin...
by Whakamole
Tue Oct 10, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13561

Re: [Boglehead vs Mr Money Mustache philosophies]

Really not much difference from my perspective. MMM: 35 year old making $400k/year from his blog Boglehead: 35 year old making $400k/year as a doctor When MMM retired he did not have $400k/year in his wildest dreams. When a Boglhead doctor went to a medical school he expected to (eventually) make a...
by Whakamole
Mon Oct 09, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13561

Re: [Boglehead vs Mr Money Mustache philosophies]

AND ONE MORE THING: HE DOES NOT HAVE ANY ADS ON HIS WEBSITE, just like here!!!!!! MMM makes significant revenue from his referral links, including products and services he endorses like Lending Club and Betterment; well into the six figures per year. https://www.bogleheads.org/forum/viewtopic.php?t...
by Whakamole
Mon Oct 09, 2017 5:06 pm
Forum: Investing - Theory, News & General
Topic: Oldest international mutual funds?
Replies: 16
Views: 1106

Re: Oldest international mutual funds?

I found a reference to a "Japan Fund" that was started in April of 1962, but cannot find any mention of it today. Perhaps it was acquired/renamed/etc. like many funds. http://money.cnn.com/1999/09/02/mutualfunds/funds_oldfunds/ Looks like it was merged with Matthews Japan (MJFOX, unknown if Michael ...
by Whakamole
Tue Oct 03, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)
Replies: 22
Views: 2435

Re: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)

Did they have electric pressure cookers 20 years ago? How can a stovetop pressure cooker have "automated controls"? I mean, it cannot control the burner. I agree and think many had never used one before. I used a stovetop model here and there. I think a lot of people have safety concerns with press...
by Whakamole
Mon Oct 02, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2009

Re: On the video games path - how to set it up with younger kids

No real concern here, we are all into reading. My older kid (the 9 year old) has more than 500 books on the shelves in her room and had read all of them, she usually reads 1-2 books a day, and they are all above her grade level. I wish she was not so much into fantasy (Percy Jackson, Harry Potter, ...
by Whakamole
Wed Sep 27, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1394

Re: Weekend trip in Portland, Oregon - ideas?

Pok Pok is an excellent choice. I believe the owner has a few other Thai restaurants very close by, in case it is too crowded. Get the gin and tonic.

Widmer is a larger brewery but they are Portland-born and their pub is very nice.
by Whakamole
Tue Sep 26, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3135

Re: Verizon TravelPass

If you can download maps (which you can with Google Maps, and some other applications like HERE), you will not just save a bit on data, but not be as reliant on the local cell towers.
by Whakamole
Tue Sep 26, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10969

Re: The Rolex and The Boglehead

Rolex is probably one of the few watch brands available that would not lead to buyers' remorse. I definitely don't see this particular watch brand (or any watch brand) as an investment, but it does retain its value overtime. So if you were looking to sell, it's not like you would be taking a bath o...
by Whakamole
Tue Sep 26, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Lowering Frontier FIOS bill?
Replies: 6
Views: 641

Re: Lowering Frontier FIOS bill?

We have Frontier FIOS (formerly Verizon) and due to what seemed like excessive pricing recently changed our plan from the "triple play" of phone, cable, and internet, to internet only. Which saves about $150 a month in Frontier's cost. We didn't use the FIOS landline (which is VOIP) except to colle...
by Whakamole
Tue Sep 26, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help with bad 401(k) fund choices
Replies: 18
Views: 1051

Re: Help with bad 401(k) fund choices

You have a SP 500 fund with an ER of .11 and an employer match of 6%. You, my friend, have much to be thankful for. Agreed, that's not that bad. I would recommend maxing it out if you can, and using the rest of your accounts appropriately. If you own International funds, that would be ideal in taxa...
by Whakamole
Tue Sep 26, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help with bad 401(k) fund choices
Replies: 18
Views: 1051

Re: Help with bad 401(k) fund choices

You have a SP 500 fund with an ER of .11 and an employer match of 6%. You, my friend, have much to be thankful for. Agreed, that's not that bad. I would recommend maxing it out if you can, and using the rest of your accounts appropriately. If you own International funds, that would be ideal in taxa...
by Whakamole
Tue Sep 26, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Lowering Frontier FIOS bill?
Replies: 6
Views: 641

Lowering Frontier FIOS bill?

I live in an area that's covered by Frontier (offering FIOS) and Comcast. My Frontier bill is getting a little high for my tastes. I called and the only thing they offered was to drop some calling features or increase my internet speed (which would cost me more money!) I dislike Comcast for a lot of...
by Whakamole
Tue Sep 26, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: "Fidelity and Vanguard Online Fraud Policies"
Replies: 11
Views: 2155

Re: "Fidelity and Vanguard Online Fraud Policies"

That includes spouses using each other's sign-ins. If you want your spouse to have the authority to make transactions of your account, fill out and send in the Full Agent Authorization form . If you want your spouse to view your holdings only, use the Limited Agent Authorization form . How can we e...
by Whakamole
Mon Sep 25, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in construction equipment rental business
Replies: 15
Views: 843

Re: Investing in construction equipment rental business

He does not want to take any loans to get this machine. He definitely could do that, but apparently does not want extra stress. Except if it has a ROI of 50%, the "stress" of a loan would be gone in two years, after that it would be free money. Plus he wouldn't have the stress of a partner (you) wh...
by Whakamole
Mon Sep 25, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in construction equipment rental business
Replies: 15
Views: 843

Re: Investing in construction equipment rental business

If I read you correctly, he's saying you'll make back your initial investment in two years. Why hasn't the contractor done this himself as it sounds much more profitable than contracting work?
by Whakamole
Mon Sep 25, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard charged me $140 in service fees
Replies: 31
Views: 5552

Re: Vanguard charged me $140 in service fees

Just curious why would you ask us (a random internet forum) instead of just calling Vanguard themselves and discussing the issue with them? Good luck. Likely, because many of the members here are Vanguard fans and have all kinds of experience with them. It’s called research. In that case, I didn't ...
by Whakamole
Thu Sep 21, 2017 9:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Please Offer a Gold ETF
Replies: 95
Views: 5057

Re: Vanguard: Please Offer a Gold ETF

patrick wrote:
Thu Sep 21, 2017 9:55 pm
Why not jump ahead of the competition by opening the first uranium ETF?
Ahem: http://etfdb.com/etf/URA/
by Whakamole
Thu Sep 21, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Please Offer a Gold ETF
Replies: 95
Views: 5057

Re: Vanguard: Please Offer a Gold ETF

Well, Gold has a zero real rate of return over very long periods of time so I don't regard it as an investment as such. It does have very low correlation with the stock market so it should reduce the long term volatility of a portfolio at the price of performance drag. So I would view it as portfol...
by Whakamole
Thu Sep 21, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Please Offer a Gold ETF
Replies: 95
Views: 5057

Re: Vanguard: Please Offer a Gold ETF

The issue with gold ETFs that hold the physical metal (like GLD) is that they have to hold the commodity. That means you need bank vaults, storage, auditing, assaying, etc. It's an expensive endeavor. There's also a issue depending on the popularity of gold as an investment - if gold takes off, you ...
by Whakamole
Thu Sep 21, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Please Offer a Gold ETF
Replies: 95
Views: 5057

Re: Vanguard: Please Offer a Gold ETF

I understand the sentiment: I want to invest in x . x would be cheaper if Vanguard offered a fund in x . Please, Vanguard, offer a fund in x . I just have many values of x that would come before x . A few off the top of my head: 1. EM ex-China 2. International Value Index 3. International Small Val...
by Whakamole
Thu Sep 21, 2017 1:20 am
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 2911

Re: Should I even bother with buying a school picture?

I believe they distribute your child's pictures in class. Your child will probably be heartbroken if all of his classmates get pictures but he gets none. If nothing else, for the sake of your child's ego, buy a small package. The joy it will bring to your child is worth the small cost. Is this new?...
by Whakamole
Mon Sep 18, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Audio books
Replies: 28
Views: 1723

Re: Audio books

Not to change the subject, but some may be interested to find out that the Library of Congress offers a free audio book program to those who are unable to read due to blindness or disability. After I found this out I signed up my 94 year old MIL, who is blind and in a care home. They sent her a dev...
by Whakamole
Fri Sep 15, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Equifax security manager had a music degree -- what?
Replies: 10
Views: 905

Re: Equifax security manager had a music degree -- what?

You would be surprised at the crossover between music people and computer people at universities.
by Whakamole
Fri Sep 15, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend this month."
Replies: 17
Views: 3369

Re: "Find out if your fund is declaring a quarterly dividend this month."

Why do so many of the active funds pay annually when index funds pay quarterly? Not even all index funds pay quarterly. SWPPX (Schwab's S&P 500 fund) pays once per year. Also an FYI for those clicking on the links - it doesn't look like Vanguard has added the distribution amount yet, at least to a ...
by Whakamole
Tue Sep 12, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Brother in College Co-Signing w/ Buddy for Duplex
Replies: 41
Views: 2991

Re: Brother in College Co-Signing w/ Buddy for Duplex

He wants to partner with me because he wants to partner with a lot of recently married reps that sell under him and only pay 5% down for owner occupied payment. Otherwise he'd have to pay 20% down. I don't see why someone who claims to be making $300K/year needs a junior investor who will be cosign...
by Whakamole
Tue Sep 12, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Brother in College Co-Signing w/ Buddy for Duplex
Replies: 41
Views: 2991

Re: Brother in College Co-Signing w/ Buddy for Duplex

clarkrl wrote:
Tue Sep 12, 2017 3:40 pm
$600 a month and $1400 a month are worst case scenarios where if we couldn't get them rented out we'd drop it down to get it filled.
I do not think you quite understand the meaning of the term "worst case scenario."
by Whakamole
Tue Sep 12, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7495

Re: Best Lower Cost USA Cities to Live

I don't think Austin has been low cost in a while.
by Whakamole
Mon Sep 11, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 31
Views: 6964

Re: Vanguard Total International (VTSAX) - Taxable Account

Yeah, I know. But my personality seems to be more comfortable with 'ownership' style investments over 'lending' style investments. I was ~100% stocks through the 2008/9 crisis and it didn't bother me. I actually thought it was rather exciting! So the big risk of being without bonds (panick selling ...
by Whakamole
Mon Sep 11, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7104

Re: Equifax - credit freeze is now free?

I live in Washington State and was also able to get it frozen for free.
by Whakamole
Mon Sep 11, 2017 1:58 pm
Forum: Investing - Theory, News & General
Topic: What If U.S. Stocks Stay Expensive For Years?
Replies: 50
Views: 7315

Re: What If U.S. Stocks Stay Expensive For Years?

alex_686 wrote:
Mon Sep 11, 2017 11:18 am
lostdog wrote:
Mon Sep 11, 2017 11:15 am
Not worried. Total World Stock Index for life.
That too is running at high multiples. I can't think of an asset class that is not near its high intrinsic valuation. So save more or chase risky yield.
Cash may be the only undervalued asset. But you can't make any money with cash.
by Whakamole
Sat Sep 09, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6302

Re: Fidelity Security

Does Fidelity 2 factor authentification disrupt quickens one step update? Yes. Some companies are solving this problem by giving out a special account/password combination that allows for "read only" access to your account, so Mint/Personal Capital/etc. can get updates but a hacker could only get y...
by Whakamole
Fri Sep 08, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46872

Re: Equifax customer information leak

At worst new Social Security numbers (probably with more digits) will need to be issued. Increasing the length of SS numbers would require roughly Y2K level work, just to increase the column size for the number. But then we probably shouldn't be using SS numbers everywhere. I am sending a registere...
by Whakamole
Fri Sep 08, 2017 3:54 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 177
Views: 12300

Re: Bitcoin in 3-fund indexed portfolio?

I think a small position can make sense if you are interested in the technology. I would make it no more than 10% of my portfolio and I would take it out of the stocks portion. It has low correlation which technically has risk reduction properties for portfolios, but it's SO volatile. I have 5% in ...
by Whakamole
Fri Sep 08, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46872

Re: Equifax customer information leak

There has been some suspicious activity on the options front too - someone bought puts at $135 a few weeks ago: https://www.cnbc.com/2017/09/08/suspect ... rofit.html
by Whakamole
Thu Sep 07, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46872

Re: Equifax customer information leak

Darkweb knows more about you then your probably know about yourself. I believe right now we're just operating on security through obscurity based on the law or large numbers. The problem is that the Dark Web also has large numbers of criminals willing and able to defraud Westerners with assets. Vic...
by Whakamole
Thu Sep 07, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 177
Views: 12300

Re: Bitcoin in 3-fund indexed portfolio?

I don't think that's a de facto good reason to include it. Reasons to include bonds and international stocks are not purely based on correlation; I hold international because I believe in the "buy the haystack" approach for stocks, for instance.. I also don't think cryptocurrency has been around lo...
by Whakamole
Thu Sep 07, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46872

Re: Equifax customer information leak

It didn't tell me whether or not I am impacted. Simply said to return to the site after a certain date. Was the impact statement a popup? This company should be shut down. I think that means you need to return to the site on that date to enroll in whatever plan Equifax has put together. In other wo...
by Whakamole
Thu Sep 07, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46872

Re: Equifax customer information leak

It didn't tell me whether or not I am impacted. Simply said to return to the site after a certain date. Was the impact statement a popup? This company should be shut down. I think that means you need to return to the site on that date to enroll in whatever plan Equifax has put together. In other wo...
by Whakamole
Thu Sep 07, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46872

Re: Equifax customer information leak

My understanding with credit freezes (which I think I am now going to do, as painful as it sounds) is that, depending on state, we need to get a police report to get a free credit freeze. Has anyone had good luck getting the police to write this up? A few years ago, someone filed tax returns as me, ...
by Whakamole
Thu Sep 07, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46872

Re: Equifax customer information leak

If you have a Discover Card, their recent offer to monitor the dark web for members' social security numbers sounds good. I already had my credit frozen and recently signed up for the Discover offer. Not sure what action I'd take if Discover notifies me that my SS# is out there, but I guess it's go...