Search found 466 matches

by baconavocado
Sun Sep 20, 2020 7:25 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 145
Views: 12923

Re: Is anyone waiting until after the election?

I'm *expecting* increased volatility during the next few months. When the market dips, I'm preparing to:
1) sell bonds and buy stocks;
2) transfer tIRA assets to Roth IRA accounts.
by baconavocado
Sun Sep 20, 2020 5:47 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 145
Views: 12923

Re: Is anyone waiting until after the election?

I think there are two reasons to be cautious about the next two months: 1) the election, as you mentioned, it may not be decided for weeks after election day and as we all know, markets hate uncertainty; 2) October can be a very volatile month for markets. If I received a chunk of cash right now, I'...
by baconavocado
Fri Aug 21, 2020 4:45 pm
Forum: Personal Investments
Topic: Wells Fargo PMA increasing fees
Replies: 49
Views: 4150

Re: Wells Fargo PMA increasing fees

I don't trade in my WFB portfolio account. I have $25K in VTI in the brokerage portion so I can avoid fees but other than that I keep everything at Vg. Why don't you hold VTI at VG? I am curious why you leave the money at WFB but don't trade it there. My PMA account at WFB requires a minimum balanc...
by baconavocado
Sun Aug 16, 2020 7:00 pm
Forum: Personal Consumer Issues
Topic: USPS shipping: Caveat Emptor
Replies: 79
Views: 4845

Re: USPS shipping: Caveat Emptor

Thanks for the heads up.
by baconavocado
Sun Aug 09, 2020 5:25 pm
Forum: Personal Consumer Issues
Topic: Honda FIT
Replies: 50
Views: 2568

Re: Honda FIT

How about the Prius hatchback as a replacement for the Fit? Similar size, better gas mileage (I know, more expensive).

I'm still hoping for a long range all electric vehicle from Honda or Toyota.
by baconavocado
Sat Aug 08, 2020 1:25 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads blog: a new rebalancing study
Replies: 143
Views: 10988

Re: Bogleheads blog: a new rebalancing study

Perhaps there are no formulas, but instead an algorithm. Maybe somebody like Renaissance Technologies has such an unpublished algorithm? I wonder how managers of target date funds do it, or if one could compare the results of different target date funds and discover that some do it better than othe...
by baconavocado
Wed Aug 05, 2020 1:22 pm
Forum: Investing - Theory, News & General
Topic: Anyone else hoarding cash right now?
Replies: 201
Views: 21489

Re: Anyone else hoarding cash right now?

Not raising cash, but I'm expecting increased market volatility this fall. Even in normal years October can be quite volatile and this year it's likely to be more so, IMO.
by baconavocado
Mon Aug 03, 2020 6:12 pm
Forum: Personal Consumer Issues
Topic: Cyclists...where are you getting your masks?
Replies: 65
Views: 5675

Re: Cyclists...where are you getting your masks?

sunny_socal wrote: Mon Aug 03, 2020 12:59 pm If your running, biking, walking, camping, surfing etc - don't wear a mask. This thing is not the Black Death...

If you're standing in line next to a bunch of sick people, wear one.
Thanks for clearing all this up, Dr. Sunny.
by baconavocado
Sat Aug 01, 2020 12:18 am
Forum: Personal Consumer Issues
Topic: Cyclists...where are you getting your masks?
Replies: 65
Views: 5675

Re: Cyclists...where are you getting your masks?

I see many cyclists and runners using gaiters, and some type of face covering is required in my area if you cannot maintain a 6' distance between other trail/road users, which is frequently the case.
by baconavocado
Thu Jul 23, 2020 7:28 pm
Forum: Personal Consumer Issues
Topic: Retirement Relocation - Permaculture - Western and Southern Cities
Replies: 49
Views: 3604

Re: Retirement Relocation - Permaculture - Western and Southern Cities

I didn't read all the replies but if you're into gardening, you should probably locate to a place where there is water, and that eliminates most states in the west, except the upper northwest. I would check the avg annual rainfall charts for any place you're considering and make sure you get ppt in ...
by baconavocado
Tue Jul 21, 2020 12:22 pm
Forum: Personal Investments
Topic: VTI vs VTSAX returns
Replies: 19
Views: 1821

Re: VTI vs VTSAX returns

What you are seeing is the difference between the market price and the net asset value; this is the premium or discount. If you go to ETF.com, you can see a chart of the premium or discount for each ETF. BND often has premiums or discounts up to 0.25% (and had much larger discounts in March when th...
by baconavocado
Mon Jul 20, 2020 9:11 pm
Forum: Personal Investments
Topic: VTI vs VTSAX returns
Replies: 19
Views: 1821

Re: VTI vs VTSAX returns

What matters is that their daily percentage changes match. Well, within 0.01% or so I compared the ratio of the closing price of VTSAX/VTI since the beginning of the year, the way I did with VBTLX/BND in my post above, and the prices of the ETF and MF track much more closely with the stock fund tha...
by baconavocado
Mon Jul 20, 2020 7:16 pm
Forum: Personal Investments
Topic: VTI vs VTSAX returns
Replies: 19
Views: 1821

Re: VTI vs VTSAX returns

I've compared the daily closing prices for VBTLX and BND for the past year and they vary by as much as 0.4%, which is more than I expected. In other words, if BND closes at $88.94, the price for VBTLX may range from $11.70 to $11.74. Here's one more way to describe this: the ratio of the closing pri...
by baconavocado
Mon Jul 20, 2020 2:32 pm
Forum: Personal Consumer Issues
Topic: Walking OK with sun exposure?
Replies: 87
Views: 6014

Re: Walking OK with sun exposure?

Some sun exposure is healthy for you. Many people are vitamin D deficient, which is is linked to numerous health ailments. Don't worry that you can't cover every square inch of your body, just limit the time in direct sunlight from 10a - 4pm. I agree with getting some exposure but not too much. So ...
by baconavocado
Sat Jul 18, 2020 12:32 pm
Forum: Investing - Theory, News & General
Topic: VTI VTSAX moving in opposite directions
Replies: 10
Views: 1679

Re: VTI VTSAX moving in opposite directions

This isn't directly related to the OP's issue but there is sometimes a significant difference in MF and ETF prices. For example, BND closed yesterday at $88.85, a rise of $0.22 (0.25%) from it's previous close at $88.62. The mutual fund shares, VBTLX, closed at $11.69 on both days.
by baconavocado
Sat Jul 18, 2020 12:20 pm
Forum: Non-US Investing
Topic: Retirement £ mindset
Replies: 16
Views: 1639

Re: Retirement £ mindset

If you're like me, it's a huge transition. When you're working, you have paychecks of a predictable amount coming in regularly and you're probably spending some and saving some so it's a very comfortable feeling. In retirement, there's really nothing coming in at first so you have to figure out how ...
by baconavocado
Thu Jul 16, 2020 7:35 pm
Forum: Personal Investments
Topic: Wells Fargo PMA increasing fees
Replies: 49
Views: 4150

Re: Wells Fargo PMA increasing fees

I don't trade in my WFB portfolio account. I have $25K in VTI in the brokerage portion so I can avoid fees but other than that I keep everything at Vg.
by baconavocado
Wed Jul 15, 2020 10:52 am
Forum: Personal Investments
Topic: Converting VBTLX to BND, timing issues?
Replies: 19
Views: 1139

Re: Converting VBTLX to BND, timing issues?

@w3ldon, I want to be able to trade during volatile markets without worrying about the frequent trading policy for mutual funds.
by baconavocado
Tue Jul 14, 2020 11:28 pm
Forum: Personal Investments
Topic: Converting VBTLX to BND, timing issues?
Replies: 19
Views: 1139

Re: Converting VBTLX to BND, timing issues?

I want to convert a large position (more than $1M) in VBTLX to the ETF shares (BND) in a Vanguard tIRA account. Vanguard doesn't offer automatic conversions for VBTLX so I have to sell, wait for the sale to settle, then buy BND. Are there any timing issues I should know about? Should I try to accom...
by baconavocado
Tue Jul 14, 2020 11:34 am
Forum: Personal Investments
Topic: Converting VBTLX to BND, timing issues?
Replies: 19
Views: 1139

Re: Converting VBTLX to BND, timing issues?

Thanks for this info, I think I have a better idea now of how Vanguard handles these trades.
by baconavocado
Mon Jul 13, 2020 7:44 pm
Forum: Personal Investments
Topic: Converting VBTLX to BND, timing issues?
Replies: 19
Views: 1139

Re: Converting VBTLX to BND, timing issues?

You might have been able to schedule an "automated investment" to buy that VTSAX and thus work around the frequent trading policy at Vanguard. You should just do one to see how that works for the next time. I'll keep that in mind. I have similar funds in other accounts, but I mainly use this one tI...
by baconavocado
Mon Jul 13, 2020 7:32 pm
Forum: Personal Investments
Topic: Converting VBTLX to BND, timing issues?
Replies: 19
Views: 1139

Re: Converting VBTLX to BND, timing issues?

There is really no reason to do this all at once. Just sell something like $100,000 of VBTLX on Day 1. Then on Day 2, submit order to sell another $100K, but also buy your $100K of BND the same day. Repeat until done. Also you can even use a different amount than $100K. This is all pretty easy. I g...
by baconavocado
Mon Jul 13, 2020 6:58 pm
Forum: Personal Investments
Topic: Converting VBTLX to BND, timing issues?
Replies: 19
Views: 1139

Converting VBTLX to BND, timing issues?

I want to convert a large position (more than $1M) in VBTLX to the ETF shares (BND) in a Vanguard tIRA account. Vanguard doesn't offer automatic conversions for VBTLX so I have to sell, wait for the sale to settle, then buy BND. Are there any timing issues I should know about? Should I try to accomp...
by baconavocado
Sun Jun 28, 2020 7:44 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 926
Views: 55819

Re: What are you listening to now

Diane Birch. Start with these: Fools https://www.youtube.com/watch?v=FcKDj69DHcA Nothing but a miracle https://www.youtube.com/watch?v=H9lyrOETXao How long https://www.youtube.com/watch?v=ebXQBKiFthw In it for the race https://www.youtube.com/watch?v=XwCWAixUMeg Boys on canvas https://www.youtube.co...
by baconavocado
Fri Jun 26, 2020 8:41 pm
Forum: Personal Consumer Issues
Topic: Face Masks
Replies: 23
Views: 4053

Re: Face Masks

I'm using a fabric mask that my wife sewed. Very easy to wash with a couple drops of detergent, and it won't be washing up on some beach somewhere.
by baconavocado
Tue Jun 09, 2020 2:23 pm
Forum: Personal Consumer Issues
Topic: Moto G6 Play or Android problem
Replies: 2
Views: 231

Re: Moto G6 Play or Android problem

I agree with Mangomama that having a passcode would reduce the risk of settings being accidentally changed while you're handling the phone. As far as not getting timely notifications of calls or texts, I wonder if that could be related to your cellular reception? The reception in my neighborhood use...
by baconavocado
Mon Jun 08, 2020 11:15 pm
Forum: Personal Consumer Issues
Topic: Cumulative Rainfall Reference?
Replies: 13
Views: 824

Re: Cumulative Rainfall Reference?

You don't use Weather Underground (https://www.wunderground.com/)? There are about 10 personal weather stations within a few miles from my house. If you are really interested in the weather, there's nothing more rewarding than keeping track of your own local weather on your own weather station. I'd ...
by baconavocado
Sat Jun 06, 2020 8:36 pm
Forum: Personal Investments
Topic: Retirees: what is your AA?
Replies: 80
Views: 4047

Re: Retirees: what is your AA?

70/30, early 60s, retired.
by baconavocado
Tue Jun 02, 2020 12:48 pm
Forum: Investing - Theory, News & General
Topic: Net Worth by Education Level
Replies: 3
Views: 860

Re: Net Worth by Education Level

Interesting, thanks for posting. I thought the most important nugget was at the end: " . . . the most important metric in personal finance is whether your money is allowing you to live the life that you truly want. People tend to forget that money is just a tool that we use to fulfill our wants and ...
by baconavocado
Thu May 28, 2020 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice for science PhD student
Replies: 78
Views: 6314

Re: Career advice for science PhD student

To the OP, my best advice is to quit now. Take the Masters and leave, or just leave even if you can't get it. Find a new line of work. Bio/Chem/Phys is not worth it. Don't fall into the sunk cost fallacy. Get out now, just get out. I say this as a Physics PhD, but spent most of my ex-life working w...
by baconavocado
Tue May 26, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice for science PhD student
Replies: 78
Views: 6314

Re: Career advice for science PhD student

I honestly wonder whether graduate schools are cranking out more PhDs than the economy can handle, or maybe they've become addicted to higher tuition rates charged to foreign students. I once worked for a government agency that hired PhDs and had them working on tasks that I could have trained a sma...
by baconavocado
Thu May 21, 2020 1:34 pm
Forum: Personal Consumer Issues
Topic: Blown Power Amplifier: Repair or Replace? [resolved]
Replies: 39
Views: 1995

Re: Blown Power Amplifier: Repair or Replace?

Best of luck with this. I recently lost a 35-year old Yamaha amplifier. Turned it on and smoke and the smell of burned electrical parts came from the top. I did some research and decided it really wasn't worth repairing. It was very difficult to discard it.
by baconavocado
Sat May 16, 2020 1:32 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 98
Views: 6725

Re: Alternatives to Craftsman Tools

I don't have much to add to what has already been said except that I'm not too impressed by a lifetime warranty. If a wrench or socket doesn't fit well it doesn't matter to me whether the manufacturer will replace it if it breaks.
by baconavocado
Thu May 14, 2020 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly Retired - Family doesn't know
Replies: 27
Views: 3009

Re: Secretly Retired - Family doesn't know

celia wrote: Thu May 14, 2020 2:16 pm If you are married, the one person who should know is your spouse. In fact, I suspect this would be to the retiree’s benefit as they would have someone to talk to about it and jointly they could keep this secret together.
LOL! I'm calling in sick again today honey.
by baconavocado
Wed May 13, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: COVID - 19 things to do
Replies: 51
Views: 4402

Re: COVID - 19 things to do

I'm finding it hard to stay positive as well. I find myself dwelling on the news far too much. Exercise does help but there are many days I just don't feel like going outside and not only because of the health risk.
by baconavocado
Wed May 13, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12299

Re: Dentist charges $10 for PPE

Interesting, I wonder if this will be a trend. Businesses will obviously have extra costs to deal with the pandemic. I think I would have handled it the same way you did.
by baconavocado
Thu May 07, 2020 7:32 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 314
Views: 22334

Re: So what are you cooking

Lasagna tonight.
by baconavocado
Thu May 07, 2020 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Home insurance up 40%, stay w/same company due to possible roof issues?
Replies: 22
Views: 1565

Re: Home insurance up 40%, stay w/same company due to possible roof issues?

A couple friends and neighbors have told me recently that they got big premium increases when they renewed their homeowners policy this year and I'm wondering if this is an industry-wide trend that has nothing to do with your roof.
by baconavocado
Wed May 06, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 21717

Re: What are you doing for haircuts due to coronavirus shutdown?

I ordered some special hair cutting scissors so my wife could give me a haircut but they're backordered for a month. I couldn't wait so she gave me a haircut yesterday with our office scissors and a small battery operated hair clipper and it's at least as good as what my barber does. I may never go ...
by baconavocado
Mon May 04, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57583

Re: How to get Toilet Paper ? seriously.

BigFoot48 wrote: Mon May 04, 2020 2:21 pm Went to Costco this morning at 10:30 and never saw so much Costco toilet paper since becoming a Price Club member all those decades ago.
Whoa! Supply chain fixed?
by baconavocado
Thu Apr 30, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: Ads in Yahoo email inbox that aren't email
Replies: 37
Views: 3618

Re: Ads in Yahoo email inbox that aren't email

I pay the $20/year for ad free. It might be $30/year now come to think of it. Minor in the grand scheme. They want you to see the ads, if you don't (blocker) you likely can't use the service. I've considered retiring our yahoo.com address. Anything financial or important is on a safer/more secure e...
by baconavocado
Thu Apr 30, 2020 11:46 am
Forum: Investing - Theory, News & General
Topic: Why are stocks down "only" 10% YTD?
Replies: 31
Views: 3411

Re: Why are stocks down "only" 10% YTD?

John C. Bogle said that the best piece of investment advice he had ever gotten was one from a seasoned investment professional just after he began working: "Nobody knows nothing." The time course of "the market" in a downturn while you are actually in it, is much much less clear than it seems to be...
by baconavocado
Thu Apr 30, 2020 10:54 am
Forum: Investing - Theory, News & General
Topic: Are gamblers using the market now that casinos are closed?
Replies: 46
Views: 3243

Re: Are gamblers using the market now that casinos are closed?

The only guy I knew who was sort of addicted to sports betting didn't know a single thing about investing. He kept his retirement savings, the part he didn't blow on sports betting and casinos, in a fund that paid bank savings account type rates.
by baconavocado
Wed Apr 29, 2020 8:34 pm
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 124
Views: 11307

Re: Anyone wish they would have invested more during recent downturn?

I'm continuing to follow Boglehead principles, in general, and I don't think I would have done anything differently. I've exchanged 30% of our bond funds for stock funds since the correction began. In retrospect, my timing wasn't perfect, but so far I'm significantly better off than if I had done no...
by baconavocado
Wed Apr 29, 2020 8:31 pm
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 124
Views: 11307

Re: Anyone wish they would have invested more during recent downturn?

I did not follow my IPS. :oops: I was 70/30 stocks/bonds. When things started to fall, I moved 5% of the bonds to stocks (total US and INT) each day that the carnage was “ugly,” which I defined as drops of 3% or so. By the time I was completely out of bonds — six or seven ugly days — and 100% in st...
by baconavocado
Fri Apr 24, 2020 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 13158

Re: Moving out of NYC due to pandemic

I can't comment on your particular situation but I know many people who have made major mistakes in their life by moving, usually from a HCOL area to a LCOL area. In most cases, it was people whose property value went up suddenly and they thought they would be "cashing out !! ka-ching !! we can affo...
by baconavocado
Thu Apr 23, 2020 6:20 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 77111

Re: Bogleheads community discussion - Coronavirus

Hopes dashed as coronavirus drug remdesivir fails first trial

https://www.bbc.com/news/world-52406261
by baconavocado
Mon Apr 20, 2020 7:12 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 77111

Re: Bogleheads community discussion - Coronavirus

I was doing some reading on Wikipedia about other coronavirus-related diseases like SARS and MERS. Neither of these diseases has an approved vaccine yet, although neither appears to be as contagious/transmissible as covid-19. It's also interesting to me that, despite all the research and funding, th...
by baconavocado
Mon Apr 20, 2020 6:54 pm
Forum: Investing - Theory, News & General
Topic: Did any Bogleheads blink?
Replies: 42
Views: 3999

Re: Did any Bogleheads blink?

I'm continuing to rebalance out of bonds and into stocks. I started on 3/18 and haven't quite gotten there yet. I was trading VBTLX for VTIAX today. Besides the market turmoil, I decided to increase our stock allocation for various reasons. We've been at 60/40 for the last several years and now I'm ...