Search found 251 matches

by Chrono Triggered
Tue Jul 07, 2020 2:53 pm
Forum: Investing - Theory, News & General
Topic: fidelity or vanguard
Replies: 13
Views: 868

Re: fidelity or vanguard

user199 wrote:
Tue Jul 07, 2020 2:49 pm
another naive question but are there any differences in investing in ETFs than funds?
Funds? Do you mean mutual funds? If so, then yes, there is a difference: https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds
by Chrono Triggered
Mon Jul 06, 2020 4:48 pm
Forum: Personal Investments
Topic: Alternative to VXUS?
Replies: 10
Views: 972

Re: Alternative to VXUS?

IXUS - iShares Total Intl Stock.

Tax info: viewtopic.php?t=242137
by Chrono Triggered
Mon Jul 06, 2020 4:47 pm
Forum: Personal Investments
Topic: Taxable Account - VTSAX vs. VTI
Replies: 16
Views: 1432

Re: Taxable Account - VTSAX vs. VTI

Where is your taxable account located? If it's anywhere but Vanguard, avoid the mutual fund version, since you have to pay a fee at most firms. If it's Vanguard, it's your call really.

How familiar are you with ETFs? Definitely read the wiki article mentioned above.
by Chrono Triggered
Fri Jul 03, 2020 8:00 pm
Forum: Investing - Theory, News & General
Topic: What is the percentage breakdown between international stocks and U.S. stocks in a total world stock portfolio?
Replies: 15
Views: 1025

Re: What is the percentage breakdown between international stocks and U.S. stocks in a total world stock portfolio?

I personally go 50/50 because it's easier that way. I have half my equities in small caps too, so each slice is 25% of my portfolio. Pretty easy to maintain.
by Chrono Triggered
Thu Jul 02, 2020 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Please suggest a Credit Card
Replies: 36
Views: 2256

Re: Please suggest a Credit Card

I mostly use: -Fido 2% credit card -Discover and Chase Freedom for the 5% cash back quarters. Discover has restaurants and Paypal this quarter, so opt for Paypal when you shop online (unless it's on Amazon, then you can use Chase). If you have something like Google Pay on your phone, you can add you...
by Chrono Triggered
Thu Jul 02, 2020 8:57 am
Forum: Investing - Theory, News & General
Topic: Is 60/40 portfolio now dead?
Replies: 22
Views: 2269

Re: Is 60/40 portfolio now dead?

59/41 or 61/39 is all the rage these days.
by Chrono Triggered
Wed Jul 01, 2020 3:57 pm
Forum: Personal Investments
Topic: Does adding Total International index fund VTIAX help portfolio ?
Replies: 11
Views: 710

Re: Does adding Total International index fund VTIAX help portfolio ?

johnpau wrote:
Wed Jul 01, 2020 3:42 pm
But if I already own VTSAX ( which is 100% US Stocks), does it help to pick VTWAX ?
Is this located in a taxable account? If so, consider the tax costs of such a move. If not, then fire away. VTWAX (Total World Stock Market) is a great choice.
by Chrono Triggered
Wed Jul 01, 2020 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Visa
Replies: 38
Views: 2637

Re: Verizon Visa

That is strange - 4% on groceries/gas (that's pretty good), 3% on dining (also pretty good), then only 2% on VZ purchases. You'd think they give the best discount on their own stuff. Similar thing Uber did with its credit card; before they changed the reward program and made it essentially useless....
by Chrono Triggered
Wed Jul 01, 2020 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Verizon Visa
Replies: 38
Views: 2637

Re: Verizon Visa

That is strange - 4% on groceries/gas (that's pretty good), 3% on dining (also pretty good), then only 2% on VZ purchases. You'd think they give the best discount on their own stuff. Similar thing Uber did with its credit card; before they changed the reward program and made it essentially useless.
by Chrono Triggered
Tue Jun 30, 2020 4:25 pm
Forum: Personal Investments
Topic: HSA and Asset Allocation
Replies: 6
Views: 467

Re: HSA and Asset Allocation

Are you maxing all your tax advantaged space? If not, then it's best to pay medical expenses out of the HSA, so I would keep the deductible or the out of pocket max in a safe investment, and the rest can be invested in equities. If you are maxing out all your tax advantaged space and can afford to p...
by Chrono Triggered
Mon Jun 29, 2020 4:58 pm
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 123
Views: 9459

Re: Vanguard vs. Fidelity

I have accounts at both. Each have their pros, but I prefer Fidelity overall. 2% cash back credit card, checking account that can be invested in a money market fund, the best HSA out there, and fractional ETF share purchases is an impressive combination.
by Chrono Triggered
Mon Jun 29, 2020 9:03 am
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 193
Views: 13833

Re: What is the best financial decision you ever made?

Conducting research when I received an inheritance about five years ago when I was in graduate school and before my first salary based job. I wanted to learn the best way to invest this money for my future and that's when I discovered index funds, Jack Bogle, and this forum. I have been maxing out m...
by Chrono Triggered
Sun Jun 28, 2020 6:43 pm
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 135
Views: 11324

Re: The "Best of" for Aldi?

Frozen fish, basically any dairy product (especially their cheeses), those wheat thin style chips if you want something for snacking, their regular crackers for the aforementioned cheese. Steaks are on point. Look at their Mosser Roth chocolates, they are outstanding; I love the dark chocolate and t...
by Chrono Triggered
Wed Jun 24, 2020 9:14 am
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11417

Re: What is the single best piece of exercise equipment you bought for your home?

Adjustable dumbbells that range from 10lbs to 90lbs each. Combine that with an adjustable bench and a pull up bar, and I can do pretty much any workout I want. Benching 80lb+ dumbbells can be tricky though.

I also have a Concept 2 rower and it's an excellent machine.
by Chrono Triggered
Tue Jun 23, 2020 1:56 pm
Forum: Personal Investments
Topic: IJS vs. SLYV for small value?
Replies: 12
Views: 614

Re: IJS vs. SLYV for small value?

Also, if you decide to go with VIOV later on, there's no tax consequence for exchanging in a Roth IRA. Either will serve you will. IJS vs. SLYV for small value in a Roth IRA? IJS, with an expense ratio of 25bps, would clearly be inferior to either VIOV or SLYV at 15bps. Does IJS still have the edge ...
by Chrono Triggered
Tue Jun 23, 2020 11:04 am
Forum: Personal Investments
Topic: IJS vs. SLYV for small value?
Replies: 12
Views: 614

Re: IJS vs. SLYV for small value?

IJS vs. SLYV for small value in a Roth IRA? IJS, with an expense ratio of 25bps, would clearly be inferior to either VIOV or SLYV at 15bps. Does IJS still have the edge over SLYV and VIOV in a taxable account? If so, is there a preferred tax-loss harvest partner for IJS between the other two funds?
by Chrono Triggered
Mon Jun 22, 2020 3:24 pm
Forum: Personal Investments
Topic: investing anxieties
Replies: 16
Views: 1233

Re: investing anxieties

5+ years from now you won't remember this dilemma, nor the price you paid for the shares. Investing when you have the means to do should be your strategy.
by Chrono Triggered
Sun Jun 21, 2020 3:30 pm
Forum: Investing - Theory, News & General
Topic: Volatility is NOT Risk, Bogle
Replies: 39
Views: 3529

Re: Volatility is NOT Risk, Bogle

garlandwhizzer wrote:
Sun Jun 21, 2020 1:52 pm
If I were still in the accumulation phase I would probably view it differently and lean more toward anticipated future winners but as my time window has narrowed my priorities have changed.

Garland Whizzer
What do you consider anticipated future winners?
by Chrono Triggered
Fri Jun 19, 2020 1:04 pm
Forum: Personal Investments
Topic: Susie Orman Says You are Crazy to be Investing in Bonds
Replies: 173
Views: 17329

Re: Susie Orman Says You are Crazy to be Investing in Bonds

People listen to Orman for investing advice? Interesting.
by Chrono Triggered
Wed Jun 17, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: Need N95 Mask in a Small Size
Replies: 45
Views: 2918

Re: Need N95 Mask in a Small Size

What can an employee do, when an employer does not provide proper PPE? Notify OSHA. They have an entire section about respiratory protection. https://www.osha.gov/pls/oshaweb/owadisp.show_document?p_id=12716&p_table=standards Regarding what N95, I bet the 3M 1860S would fit her. I didn't realize a ...
by Chrono Triggered
Wed Jun 17, 2020 7:03 pm
Forum: Personal Consumer Issues
Topic: Need N95 Mask in a Small Size
Replies: 45
Views: 2918

Re: Need N95 Mask in a Small Size

What can an employee do, when an employer does not provide proper PPE? Notify OSHA. They have an entire section about respiratory protection. https://www.osha.gov/pls/oshaweb/owadisp.show_document?p_id=12716&p_table=standards Regarding what N95, I bet the 3M 1860S would fit her. I didn't realize a ...
by Chrono Triggered
Wed Jun 17, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: Need N95 Mask in a Small Size
Replies: 45
Views: 2918

Re: Need N95 Mask in a Small Size

peke9898 wrote:
Tue Jun 16, 2020 4:35 am
What can an employee do, when an employer does not provide proper PPE?
Notify OSHA.

They have an entire section about respiratory protection. https://www.osha.gov/pls/oshaweb/owadis ... =standards

Regarding what N95, I bet the 3M 1860S would fit her.
by Chrono Triggered
Wed Jun 17, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: Need N95 Mask in a Small Size
Replies: 45
Views: 2918

Re: Need N95 Mask in a Small Size

What can an employee do, when an employer does not provide proper PPE? Can an employee have a right to refuse to do certain work? Does she have any legal rights? Can an employer open a practice without proper PPE? Thank You! It is not currently mandated by OSHA, so you'll have to check your state l...
by Chrono Triggered
Wed Jun 17, 2020 3:22 pm
Forum: Personal Investments
Topic: $385K to invest - increments to invest??
Replies: 6
Views: 557

Re: $385K to invest - increments to invest??

I assume this $385K was invested in some mix of stocks and bonds in your TSP, right? So why even hesitate to get it all back in there? Every day you don't sell your portfolio, you essentially buy it. Lump sum it tomorrow.
by Chrono Triggered
Tue Jun 16, 2020 6:16 am
Forum: Personal Consumer Issues
Topic: Do you reward yourself for achieving a financial goal?
Replies: 167
Views: 12130

Re: Do you reward yourself for achieving a financial goal?

If I hit 10M, I'm going to log into Bogleheads.org and ask the forum members if I can afford a 10 year old Toyota Camry.
by Chrono Triggered
Sun Jun 14, 2020 3:58 pm
Forum: Personal Consumer Issues
Topic: Recommendations for auto window tinting
Replies: 14
Views: 867

Re: Recommendations for auto window tinting

Most cops really don't care about your tint, as long as it's not noticeably darker than it should be in your state. They make tint in a wide variety of percentages; choose the lightest option and your chances of getting hassled are pretty slim. They want to make sure they can see you through your wi...
by Chrono Triggered
Sun Jun 14, 2020 11:21 am
Forum: Investing - Theory, News & General
Topic: Incredible Returns
Replies: 67
Views: 6115

Re: Incredible Returns

Comparison is the thief of joy.
by Chrono Triggered
Sun Jun 14, 2020 9:29 am
Forum: Personal Investments
Topic: Young investors and bonds
Replies: 94
Views: 5066

Re: Young investors and bonds

I'm in my early 30s and I'm 100% stocks. Reasons include: -I firmly believe equities purchased now will be worth more than bonds when I approach my target retirement age -My risk tolerance is high and I don't react emotionally to events in general. During this drop, I didn't bat an eye, and I was pu...
by Chrono Triggered
Fri Jun 12, 2020 9:03 pm
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 44
Views: 3692

Re: Coffee Experts - Help with an online coffee order

Counter Culture is excellent. I would put weight on a roaster that is closest to you as possible for the freshest beans. If there is a good roaster in your own city, even better.
by Chrono Triggered
Fri Jun 12, 2020 11:21 am
Forum: Investing - Theory, News & General
Topic: Utilities - Does anyone own some?
Replies: 69
Views: 3689

Re: Utilities - Does anyone own some?

Check out this thread if you haven't already seen it.
viewtopic.php?t=275899
by Chrono Triggered
Thu Jun 11, 2020 3:45 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1782
Views: 142125

Re: Small Cap Value heads Rejoice !!!

I usually wait to contribute to my taxable account after getting paid (which is tomorrow) but I had to invest some of my checking account money a few days ahead of schedule. Couldn't resist that discount.
by Chrono Triggered
Thu Jun 11, 2020 1:02 pm
Forum: Personal Investments
Topic: $0.08 left in Vanguard account
Replies: 43
Views: 3517

Re: $0.08 left in Vanguard account

whodidntante wrote:
Wed Jun 10, 2020 10:02 pm
-Keep the account until you croak, and in your will leave it to someone you don't like. In your will, refer to it as the very large account so they get excited, and then you can disappoint them one last time.
Definitely the best suggestion.
by Chrono Triggered
Thu Jun 11, 2020 10:34 am
Forum: Investing - Theory, News & General
Topic: Thoughts on International Index Funds
Replies: 36
Views: 2431

Re: Thoughts on International Index Funds

columbia wrote:
Thu Jun 11, 2020 10:28 am
Chrono Triggered wrote:
Thu Jun 11, 2020 10:00 am
Have you seen this thread?
viewtopic.php?f=10&t=253686
Great example of people see what whey want to see.
Is this directed at the OP or me?
by Chrono Triggered
Wed Jun 10, 2020 6:59 pm
Forum: Investing - Theory, News & General
Topic: Market makes no sense
Replies: 116
Views: 8065

Re: Market makes no sense

Don't fight the Fed.
by Chrono Triggered
Sun Jun 07, 2020 3:51 pm
Forum: Personal Investments
Topic: VTSAX vs. VFIAX - What Am I Missing?
Replies: 50
Views: 3189

Re: VTSAX vs. VFIAX - What Am I Missing?

Most people like total stock over the S&P 500 because it has a sprinkle of mid and small caps. Mid and small caps have not returned as much as large caps have over the last stretch of years, so the 500 should have had a higher return; which is exactly what has happened. Tax wise, it's a wash. If you...
by Chrono Triggered
Sun Jun 07, 2020 2:05 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21022

Re: Markets back near all time highs - how are you feeling and path forward ?

I'm 100% stocks and in my early 30s and I'm a little disappointed with how sudden the market rebounded. I was hoping for more weeks of fire sale prices. Doesn't change anything though, I still invest whenever I have available money to do so. It's nice to see my SCV tilt coming alive recently.
by Chrono Triggered
Sun Jun 07, 2020 9:52 am
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24550

Re: What fun car should I get in the $150k - $200k range?

Something I can drive down some windy roads and maybe pick up bagels in on Sunday mornings. ... I have always wanted a fancy sports car since I was a teenager and ogled the picture of a Lamborghini Countach on my wall. Although I set my price point at $150-$200k, this price point is not set in ston...
by Chrono Triggered
Sun Jun 07, 2020 9:35 am
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24550

Re: What fun car should I get in the $150k - $200k range?

Semi Exotic: The Audi R8 will give you exotic looks and sports car performance. You're talking used at your price point, I think as prices have seemed to skyrocket in the last 5 years. There are no manuals. Older ones did have manuals but did also have problematic, expensive active suspension and a...
by Chrono Triggered
Sun Jun 07, 2020 9:18 am
Forum: Personal Investments
Topic: All in S&P 500 & Ride the tide
Replies: 20
Views: 2342

Re: All in S&P 500 & Ride the tide

The Total US Stock Market Fund (VTSAX) and the S&P 500 Fund (VFIAX) have virtually identical performance over time. They do differ a bit in dividend distribution with the S&P 500 fund distributing more taxable dividends. IMHO that makes VTSAX better in taxable and VFIAX better in an IRA. They also ...
by Chrono Triggered
Sat Jun 06, 2020 9:39 pm
Forum: Personal Investments
Topic: Investment suggestions
Replies: 14
Views: 1010

Re: Investment suggestions

I'm in my early 30s and I'm investing new money whenever it becomes available. I have this mindset because 10+ years from now, the price of shares will most likely be considerably higher than they are now. You're young; let time work its magic for you. Get into the market. It you have earned income ...
by Chrono Triggered
Sat Jun 06, 2020 2:53 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12562

Re: Face mask recommendations

The varying guidance on masks - incuding the same seemnigly authoritative entities changing their recommendations and explanations for them, has been the most disappointing apect of the response to Covid-19. I think that has contributed to so many people not wearing any masks at all. And there are ...
by Chrono Triggered
Sat Jun 06, 2020 2:44 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12562

Re: Face mask recommendations

... PPE is the least effective measure in the hierarchy of controls, however. .... Please elaborate how PPE is the least effective? Unless you mean: /Start of list #1 stay home #2 PPE /end of list Sorry, I should have added a disclaimer. The hierarchy of controls is used in a professional setting. ...
by Chrono Triggered
Sat Jun 06, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12562

Re: Face mask recommendations

That doesn't make any sense to me. You don't get infected by a crowd, you get infected by an individual. Shouldn't exposure to 100 individuals sequentially have roughly the same effect (or not) as exposure to 100 individuals simultaneously in a crowd? Now, if you say that the individuals will stay ...
by Chrono Triggered
Sat Jun 06, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12562

Re: Face mask recommendations

WHO has apparently changed, at least somewhat, their recommendations about what type of mask for whom. They now recommend medical masks for those who are at risk, including those over 60 or with certain medical conditions. Link to pdf is here: https://www.who.int/publications/i/item/advice-on-the-u...
by Chrono Triggered
Fri Jun 05, 2020 5:27 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12562

Re: Face mask recommendations

oldfort wrote:
Thu Jun 04, 2020 9:02 pm
Is there a good way to fit test a N95 mask at home?
Perform a user seal check.
https://www.cdc.gov/niosh/docs/2018-130 ... PUB2018130
by Chrono Triggered
Fri Jun 05, 2020 1:05 pm
Forum: Investing - Theory, News & General
Topic: Anyone not bother with Tax Loss Harvesting?
Replies: 116
Views: 7263

Re: Anyone not bother with Tax Loss Harvesting?

If your losses aren't that much, either in terms of dollars, or percentage down.
by Chrono Triggered
Thu Jun 04, 2020 8:38 pm
Forum: Personal Investments
Topic: Selling 100% stocks on a bounce
Replies: 256
Views: 22101

Re: Selling 100% stocks on a bounce

I've decided to sell 100% of my stocks in all investment accounts to preserve 2016 gains, and to prevent an irrecoverable loss in hard earned savings. This goes against all the rules I've learned about investing, but this time is very different so the rules go out the window. Stocks will keep crash...
by Chrono Triggered
Wed Jun 03, 2020 12:23 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1782
Views: 142125

Re: Small Cap Value heads Rejoice !!!

Keep on rippin', SCV.