Search found 4783 matches

by tetractys
Thu Jun 25, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11605

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

After further thought, have to revise my previous post.

Definitely the single best piece of exercise equipment I’ve ever bought for my home is my mattress!
by tetractys
Thu Jun 25, 2020 1:14 pm
Forum: Investing - Theory, News & General
Topic: Inflation since 1209
Replies: 31
Views: 2713

Re: Inflation since 1209

Cool! From 1209 to 2019 inflation averaged 0.9%. But for any given sub period you can find very wide variations. So that's a case where the single statistic is not helpful. Britain had bursts of inflation around major wars - government borrowing, restrictions on trade etc, to win the war. Then ofte...
by tetractys
Wed Jun 24, 2020 11:58 pm
Forum: Investing - Theory, News & General
Topic: Inflation since 1209
Replies: 31
Views: 2713

Re: Inflation since 1209

Cool! From 1209 to 2019 inflation averaged 0.9%.
by tetractys
Wed Jun 24, 2020 4:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard’s shifty distribution settings really bug me!
Replies: 24
Views: 2044

Re: Vanguard’s shifty distribution settings really bug me!

As others have pointed to above (I think), there are two settings in "My accounts/Account Maintenance" for Vanguard brokerage accounts: 1. Account profile Holding level dividend and capital gains elections (Same as 1. below.) 2. Trading services and agreements Account level dividend and capital gain...
by tetractys
Wed Jun 24, 2020 4:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard’s shifty distribution settings really bug me!
Replies: 24
Views: 2044

Re: Vanguard’s shifty distribution settings really bug me!

Seems prudent that if you TLH, you will be best advised to check the settings to each new holding, rather than complain that the default does not meet your needs. The default is just that, a default, something it goes to if it's not changed. If you care about the setting, check it and change it whe...
by tetractys
Wed Jun 24, 2020 12:32 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard REIT (VNQ) crashing?
Replies: 17
Views: 2336

Re: Why is Vanguard REIT (VNQ) crashing?

Don’t know about today particularly; but I have noticed a proliferation of Ponzi REIT schemes, hedge fund like operations, where rents are being artificially raised, even when properties are 1/3 empty, with costs buoyed by new investors.
by tetractys
Tue Jun 23, 2020 10:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard’s shifty distribution settings really bug me!
Replies: 24
Views: 2044

Re: Vanguard’s shifty distribution settings really bug me!

For Dividends: My Accounts > Account Maintenance > Holding Level Dividend and Capital Gains Elections. That’s for individual holdings. For overall account level, it’s My Accounts > Account Maintenance > Trading Profile Hmm.... I just looked again and see an interesting conflict. My trading profile ...
by tetractys
Tue Jun 23, 2020 10:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard’s shifty distribution settings really bug me!
Replies: 24
Views: 2044

Re: Vanguard’s shifty distribution settings really bug me!

FYI, my comment about mental bandwidth was not about your capacity, but rather that some get exasperated with the Vanguard website. I thought perhaps you didn't feel you could take on a potentially frustrating task at this late hour, but could some other time if you started fresh. It’s OK. It was a...
by tetractys
Tue Jun 23, 2020 10:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard’s shifty distribution settings really bug me!
Replies: 24
Views: 2044

Re: Vanguard’s shifty distribution settings really bug me!

For Dividends: My Accounts > Account Maintenance > Holding Level Dividend and Capital Gains Elections. That’s for individual holdings. For overall account level, it’s My Accounts > Account Maintenance > Trading Profile Hmm.... I just looked again and see an interesting conflict. My trading profile ...
by tetractys
Tue Jun 23, 2020 10:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard’s shifty distribution settings really bug me!
Replies: 24
Views: 2044

Re: Vanguard’s shifty distribution settings really bug me!

For Dividends: My Accounts > Account Maintenance > Holding Level Dividend and Capital Gains Elections. That’s for individual holdings. For overall account level, it’s My Accounts > Account Maintenance > Trading Profile Yikes!, that is crazy! Who’s going to nonchalantly have all that under control? ...
by tetractys
Tue Jun 23, 2020 10:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard’s shifty distribution settings really bug me!
Replies: 24
Views: 2044

Re: Vanguard’s shifty distribution settings really bug me!

Haha! Are you talking about data bandwidth or mental bandwidth? And I should have specified that my guidance is in for the "new" brokerage account format. I realize there are still quite a few folks on the older mutual fund only platform. Data bandwidth—mental bandwidth never crossed my mind, ha ha...
by tetractys
Tue Jun 23, 2020 10:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard’s shifty distribution settings really bug me!
Replies: 24
Views: 2044

Re: Vanguard’s shifty distribution settings really bug me!

There are holding-level and account-level preferences for distributions. It sounds like your account-level setting is currently set to reinvest, so any time you add a new holding, even one you've had before, that's the default setting. Check in Account Maintenance. Must be maintained for each accou...
by tetractys
Tue Jun 23, 2020 9:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard’s shifty distribution settings really bug me!
Replies: 24
Views: 2044

Vanguard’s shifty distribution settings really bug me!

At Vanguard, when you buy a position you have to make a special trip to set how dividends and capital gains are treated. The default is “reinvest.” Even if you’ve been in a fund for years in an account where you’ve always taken distributions as cash, just one trip out and back in, it resets to reinv...
by tetractys
Tue Jun 23, 2020 8:36 pm
Forum: Personal Consumer Issues
Topic: Pros and Cons of Male vs. Mixte vs. Female Bike Frames
Replies: 19
Views: 1441

Re: Pros and Cons of Male vs. Mixte vs. Female Bike Frames

What are the pros and cons of these type of frames? If I choose such a bike, should I be looking for a particular composition? I would welcome any recommendations of brand lines. Strider Well you know back when girls wore elaborate dresses step through bike frames were imperative. The triangle fram...
by tetractys
Tue Jun 23, 2020 8:12 pm
Forum: Investing - Theory, News & General
Topic: How much tilting to SCV (rule of thumb)?
Replies: 95
Views: 6209

Re: How much tilting to SCV (rule of thumb)?

If you believe the SCV (or just S or just V) premium still exists, then it would make sense to tilt X% to SCV? But what is the rule of thumb for X? Probably, the more time you have left for retirement, the more you should tilt to it. Generally 50%. For example to tilt away from Total US go 50/50 To...
by tetractys
Sat Jun 20, 2020 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is voice verification more secure?
Replies: 16
Views: 1751

Re: Is voice verification more secure?

Try using your voice as your password when you’re horse. In my experience it doesn’t work too well and then the other systems kick in. As far as I can tell, at Vanguard my voice is a convenient novel experimental layer of security. I’ve never had the impression Vanguard views it as all that secure.
by tetractys
Sat Jun 20, 2020 9:05 pm
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel on MiB Podcast: 60/40 is risky and more
Replies: 146
Views: 16699

Re: Jeremy Siegel on MiB Podcast: 60/40 is risky and more

If it’s about inflation, why not allot TIPS?
by tetractys
Sat Jun 20, 2020 8:59 pm
Forum: Personal Consumer Issues
Topic: Lexus Key Fob Issue
Replies: 42
Views: 1872

Re: Lexus Key Fob Issue

SVariance1 wrote:
Sat Jun 20, 2020 6:45 pm
SquawkIdent wrote:
Sat Jun 20, 2020 6:42 pm
Change the battery?
I do not think it is the battery. When the battery get very low, it will not work at all.
I think it’s the battery.
by tetractys
Sat Jun 20, 2020 8:54 pm
Forum: Personal Investments
Topic: A serious question from a senior about investing.
Replies: 42
Views: 3253

Re: A serious question from a senior about investing.

Just because there’s so many unknowns, I don’t think it would be reasonable to go %100 Treasuries. Some people are saying to go heavy in stocks—for various reasons! But since you’re financially secure and looking to preserve capital, I do think a fair allocation to TIPS, Treasury Inflation Protected...
by tetractys
Sat Jun 20, 2020 8:17 pm
Forum: Personal Investments
Topic: Vanguard Personal Advisors Services
Replies: 78
Views: 5230

Re: Vanguard Personal Advisors Services

All this is why I’ve been thinking about the best ways to put my portfolio, withdrawals, beneficiaries, everything possible in full automatic when I turn 70 or so. Hopefully it won’t have to involve an investment advisor, and maybe not even a relative or fiduciary service. We’ll see, it’s down the r...
by tetractys
Fri Jun 19, 2020 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Signature strip on credit card
Replies: 73
Views: 5592

Re: Signature strip on credit card

I’m just curious why folks seem really concerned whether there is fraudulent spending on their CC? That’s the bank’s problem and is trivial to fix. Signature or no signature isn’t even going to be a speed bump to someone with your relevant CC numbers. For the same reason people are upset when scuba...
by tetractys
Fri Jun 19, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Signature strip on credit card
Replies: 73
Views: 5592

Re: Signature strip on credit card

I sign my cards, except for a new one that doesn’t have a strip and supposedly works by touch, like Apple Pay. And I sign receipts and attempt to sign screens with my finger, no matter how bazaar it renders. If it gives a bit of comfort to the merchant, why not? And my gosh, I even sign checks!!!
by tetractys
Thu Jun 18, 2020 9:28 pm
Forum: Investing - Theory, News & General
Topic: New "Money In Excel"
Replies: 46
Views: 7053

Re: New "Money In Excel"

Would this work on LibreOffice?
https://www.libreoffice.org/

Not into paying to be milked.
by tetractys
Thu Jun 18, 2020 8:04 pm
Forum: Personal Consumer Issues
Topic: Slash your cell phone bill!
Replies: 38
Views: 6321

Re: Slash your cell phone bill!

T-Mobile Connect: https://prepaid.t-mobile.com/plan-detail/t-mobile-connect Unlimited talk & text. 2 GB/mo for $15, 5 GB/mo for $25. Note that there's a hard cap on the data - once you hit the limit you lose data for the rest of the billing cycle, unlike with many other plans where you're throttled...
by tetractys
Thu Jun 18, 2020 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill on inheritance
Replies: 13
Views: 1696

Re: Tax bill on inheritance

Luckywon -- good thoughts, you hit on the real heart of the matter. I did consider discussing it in my original post. My mother and the successor trustee have a contentious and distant relationship -- trustee is not a family member. I don't want to get too deep into it, but there is some question a...
by tetractys
Thu Jun 18, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Shrinking Jeans in Washer/Dryer
Replies: 29
Views: 1473

Re: Shrinking Jeans in Washer/Dryer

wfrobinette wrote:
Tue May 12, 2020 2:03 pm
Kenkat wrote:
Tue May 12, 2020 1:54 pm
If you can’t return them, hot water wash and dry on high heat.
But waist is going to shrink too!
Looks like you’re choices are return or tailor.
by tetractys
Tue Jun 16, 2020 9:43 pm
Forum: Personal Consumer Issues
Topic: Need N95 Mask in a Small Size
Replies: 45
Views: 2936

Re: Need N95 Mask in a Small Size

Just visited the dentist. I walked in with a mask. They took my temperature with a gun and had me fill out a Covid-19 symptom questionnaire. I also had to swish disinfectant in my mouth for 1 minute. They had: Masks, face shields, gloves, etc. An air filter vacuum device with a flexible intake near ...
by tetractys
Tue Jun 16, 2020 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed: Wiring internationally and need an intermediary bank
Replies: 5
Views: 331

Re: Help needed: Wiring internationally and need an intermediary bank

Why don’t you use something like XE trade and send the money by debit. If it’s possible for you to do that, I think it would be much cheaper and easier.

I use this service regularly for international purchases—works great.
by tetractys
Mon Jun 15, 2020 10:39 pm
Forum: Personal Investments
Topic: buy Corp bonds that Fed is buying
Replies: 11
Views: 1495

Re: buy Corp bonds that Fed is buying

Some of the rescue business loans are grants as long as the business adheres to certain requirements. Could it be the same with these bond purchases, i.e. the Fed will allow the bond debt to be forgiven?
by tetractys
Mon Jun 15, 2020 7:22 pm
Forum: Personal Consumer Issues
Topic: EZ-Pass Issue for Pennsylvania
Replies: 26
Views: 1210

Re: EZ-Pass Issue for Pennsylvania

I would assume it's because billing with a paper bill cost money whereas the transponders are front loaded and they don't have to track people down to get paid. Yea, and if it’s anything like Seattle, it’s an immediate debit from a prepaid, auto-reloading account. There’s also issues with carpool l...
by tetractys
Mon Jun 15, 2020 7:16 pm
Forum: Investing - Theory, News & General
Topic: What famous investing quote reminds you of your investing style?
Replies: 151
Views: 7328

Re: What famous investing quote reminds you of your investing style?

"An investment in knowledge pays the best interest." "Be fearful when others are greedy. Be greedy when others are fearful." I’ll just go with the first two sayings of the OP because they ring a bell. The first I think applies in my case because I studied a lot of investing books to develop my plan...
by tetractys
Mon Jun 15, 2020 5:53 pm
Forum: Personal Consumer Issues
Topic: Flexing your frugality - are 0% loans to friends wrong?
Replies: 54
Views: 3314

Re: Flexing your frugality - are 0% loans to friends wrong?

Loaning to family or friends is OK as long as you don’t in the least expect the money back, only calling it a loan as a good natured fib. Maybe that $5,000 will be repaid on schedule, and you will joyfully discover you have a rare neighbor that can be trusted. I hope that‘s the case! But more often ...
by tetractys
Sun Jun 14, 2020 7:14 pm
Forum: Personal Consumer Issues
Topic: Do you reward yourself for achieving a financial goal?
Replies: 167
Views: 12161

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

<r><QUOTE author="Schlabba" post_id="4544732" time="1557906801" user_id="148433"><s>[quote=Schlabba post_id=4544732 time=1557906801 user_id=148433]</s> Hi,<br/> <br/> Like the title says, did you ever buy luxury for as a reward? Like a nice rolex when reaching 250000 net worth or a new BMW at 500000...
by tetractys
Sun Jun 14, 2020 5:36 pm
Forum: Personal Investments
Topic: Tilting a 60/40 fund toward value
Replies: 13
Views: 982

Re: Tilting a 60/40 fund toward value

In a moderate 60/40 portfolio with VTSAX (Total Stock Market Index) as the core fund, if you wanted to tilt toward value and small stocks, what percentage would you tilt toward Large Cap Value? What percentage would you tilt toward Small Cap Value? I actually do this: 10% VAIPX intermediate TIPs 30...
by tetractys
Sun Jun 14, 2020 1:30 am
Forum: Personal Investments
Topic: How much has Bogleheads saved you?
Replies: 38
Views: 3203

Re: How much has Bogleheads saved you?

Well the Boglehead’s advice is free, so It’s at least saved the cost I might have paid for comparable advice elsewhere. And then on top of that there’s a certain amount of entertainment value and camaraderie. Many Bogleheads spend huge amounts of time here, which could be considered a terrible cost,...
by tetractys
Sun Jun 14, 2020 1:09 am
Forum: Personal Investments
Topic: Does rebalancing more often increase overall returns?
Replies: 16
Views: 1593

Re: Does rebalancing more often increase overall returns?

The answer to better returns is not how often a portfolio Is rebalanced but when. The rebalancing has to occur at one or more opportune time(s) on the downside, and then again on the upside to capture and lock in the returns. It’s also possible to lower returns; but one would have to really be a fla...
by tetractys
Sat Jun 13, 2020 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on inherited IRA and tax impact
Replies: 22
Views: 945

Re: Need advice on inherited IRA and tax impact

Very sorry about your loss. The last I checked inherited IRAs are kept as separate accounts, and age is a factor. You should definitely study the laws as they apply to you personally. If my memory is correct you have till the end of the year to figure it all out, depending on when RMDs were last tak...
by tetractys
Sat Jun 13, 2020 8:05 pm
Forum: Investing - Theory, News & General
Topic: Incredible Returns
Replies: 67
Views: 6127

Re: Incredible Returns

How do you all deal with friends/colleagues who keep telling you about their amazing, astronomical returns and are using a completely different investing approach than what is typically recommended by bogleheads. I typically smile and allow the situation to pass. And be aware, low cost investing is...
by tetractys
Fri Jun 12, 2020 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1667
Views: 421330

Re: Share your net worth progression

My net worth has truly progressed. I remember a day many years ago I had one dime in my pocket and was paying rent with my first credit card. Now I’m in countdown mode to retirement; just waiting for my pension and Medicare to kick in. I’m really satisfied. After so many years of studying and workin...
by tetractys
Fri Jun 12, 2020 8:40 pm
Forum: Personal Investments
Topic: Reallocated 7% into commodities (GSG)
Replies: 10
Views: 963

Re: Reallocated 7% into commodities (GSG)

Hi guys, Not sure if I did the right thing. A day before the recent adjustment (11th June) I sold off all my NVIDIA at ATH and went all in on GSG and plus some cash savings I have which went it together, now my GSG portfolio is about 7% in my equity allocation. GSG has been losing money, YTD is -38...
by tetractys
Fri Jun 12, 2020 8:11 pm
Forum: Investing - Theory, News & General
Topic: Crypto Exchange goes bankrupt after owner dies with only password
Replies: 111
Views: 15533

Re: Crypto Exchange goes bankrupt after owner dies with only password

Since nobody can get in to see, maybe there’s $0.00 and it was all a convenient black hole money laundry for a few shady people and a disappearing money vacuum for the rest.

By now it’s probably cryptless.

Our own Fed could be a benefactor, who knows?
by tetractys
Thu Jun 11, 2020 6:57 pm
Forum: Personal Investments
Topic: Thoughts on today's sell-off?
Replies: 194
Views: 16299

Re: Thoughts on today's sell-off?

The speed at which this thread is growing says something about Bogleheads in the face of market non-events. But what that is I can’t really say. Maybe the market knows?
by tetractys
Thu Jun 11, 2020 6:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard projects 10 year returns: TSM 6.5% Int'l 9.5%
Replies: 120
Views: 11577

Re: Vanguard projects 10 year returns: TSM 6.5% Int'l 9.5%

If Vanguard’s educated guess ends up being more or less accurate, it looks like I may be relying somewhat on Total International for my retirement drawdowns. 8-)
by tetractys
Thu Jun 11, 2020 6:32 pm
Forum: Personal Consumer Issues
Topic: Noisy return/intake in new HVAC
Replies: 63
Views: 3127

Re: Noisy return/intake in new HVAC

What’s the CFM (cubic feet per minute) of the unit compared to your required airflow. Can the CFM of the unit be adjusted?
by tetractys
Thu Jun 11, 2020 5:00 pm
Forum: US Chapters
Topic: Shout out to Sheepdog
Replies: 25
Views: 3727

Re: Shout out to Sheepdog

Very happy to see/hear/read that you and yours are well Sheepdog. Here in Seattle things are looking up. My favorite hangout just opened up with strict guidelines for our safety. It’s a little tough lifting cloth face coverings to sip really good coffee and much on excellent fresh brownies; but so w...
by tetractys
Thu Jun 11, 2020 12:18 pm
Forum: Personal Investments
Topic: $0.08 left in Vanguard account
Replies: 43
Views: 3527

Re: $0.08 left in Vanguard account

This reminds me of a bank account I left behind overseas about 1979 with something like $5 in it. I wonder if it would be worth it, or even possible to look it up?
by tetractys
Thu Jun 11, 2020 12:11 pm
Forum: Personal Investments
Topic: $0.08 left in Vanguard account
Replies: 43
Views: 3527

Re: $0.08 left in Vanguard account

Wait at least a month; it may get swept out later...or not; Sorry I don’t know about Vanguard specifically.
by tetractys
Wed Jun 10, 2020 11:43 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3136
Views: 543175

Re: What are you up YTD? [Year To Date]

60/40 1.7% RRI year to date. Please spare me the Beardstown gall.