Search found 462 matches

by Fclevz
Thu Jul 02, 2020 1:26 pm
Forum: Investing - Theory, News & General
Topic: Does VTIAX actually hold stocks?
Replies: 13
Views: 1432

Re: Does VTIAX actually hold stocks?

So if there are some large companies in VTIAX which I do not wish to support in any way, should I dump VTIAX? FYI, Vanguard has Environmental, Social, and corporate Governance (ESG) stock ETF's: ESGV for U.S. stocks, and VSGX for International stocks. Fidelity: U.S. - FITLX, International - FNIDX, ...
by Fclevz
Wed Jul 01, 2020 6:14 pm
Forum: Personal Investments
Topic: SPAXX about to go negative [what are good cash funds?]
Replies: 12
Views: 1482

Re: SPAXX about to go negative [what are good cash funds?]

Cool fact: a ticker ending in a double X is a money market fund.

As for it going negative, doubtful, Fidelity will likely just waive expenses to keep that from happening.
by Fclevz
Sat Jun 27, 2020 1:08 am
Forum: Personal Consumer Issues
Topic: Grammar assistant word processing software
Replies: 8
Views: 529

Re: Grammar assistant word processing software

In Pages, Choose Edit > Spelling and Grammar > Check Grammar With Spelling (a checkmark indicates it’s on), then choose Check Document Now. The first spelling error is highlighted, and grammar errors are underlined in green. To see suggested spellings or grammar corrections for a word, Control-click...
by Fclevz
Wed Jun 24, 2020 11:19 am
Forum: Personal Investments
Topic: Vanguard Rep Says No Dividends for VTSAX and VTIAX
Replies: 31
Views: 5928

Re: Vanguard Rep Says No Dividends for VTSAX and VTIAX

Well, the Vanguard rep is now officially wrong.

VTSAX
Record date: 06/23/2020
Per share distribution: $0.33890 (which is more than the first-quarter distribution)

VTIAX
Record date: 06/18/2020
Per share distribution: $0.13370 (also more than the first-quarter distribution)
by Fclevz
Tue Jun 23, 2020 10:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard’s shifty distribution settings really bug me!
Replies: 24
Views: 2035

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

UpperNwGuy wrote:
Tue Jun 23, 2020 10:14 pm
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
by Fclevz
Mon Jun 22, 2020 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Limit
Replies: 17
Views: 1566

Re: Credit Card Limit

It’s happening to everyone. Mine got cut in half just last week.

See this post: viewtopic.php?f=2&t=316346
by Fclevz
Sun Jun 21, 2020 3:14 pm
Forum: Investing - Theory, News & General
Topic: Bogle vs Buffett Asset Allocation
Replies: 21
Views: 1971

Re: Bogle vs Buffett Asset Allocation

Mr. Bogle was a 50/50 guy and Warren wants his wife to invest 90/10 when he passes. I am curious why there is such a large asset allocation difference between the two investing legends and what each portfolio actually says about them? :confused Warren Buffets wife will have billions. Do you have bi...
by Fclevz
Fri Jun 12, 2020 2:46 pm
Forum: Personal Investments
Topic: Douglas Theory Investing
Replies: 10
Views: 684

Re: Douglas Theory Investing

Googliebear wrote:
Fri Jun 12, 2020 2:20 pm
Sounds like allot of work and worry for some unlikely potential upside relative to the S&P500.
Interestingly, the top 5 NASDAQ stocks are also the top 5 in the S&P 500.
by Fclevz
Fri Jun 12, 2020 10:37 am
Forum: Personal Investments
Topic: Douglas Theory Investing
Replies: 10
Views: 684

Re: Douglas Theory Investing

It looks like the current list includes both GOOG and GOOGL. What would you do in this case? Buy both, or just one and then also buy the next on the list? AAPL Apple Inc MSFT Microsoft Corp AMZN Amazon.com Inc GOOG Alphabet Inc GOOGL Alphabet Inc FB Facebook Inc INTC Intel Corp NVDA NVIDIA Corporati...
by Fclevz
Sat Jun 06, 2020 5:39 pm
Forum: Personal Investments
Topic: Retirees: what is your AA?
Replies: 80
Views: 3893

Re: Retirees: what is your AA?

4% cash
96% Target Retirement 2030 (68/32)
56, retired 14 years, small pension, 9 years until social security at 65.
Retired early, but still in Target Retirement 2030 as it is age appropriate. Investing by ‘risk tolerance’ is way too vague for me.
by Fclevz
Sat Jun 06, 2020 5:28 pm
Forum: Personal Consumer Issues
Topic: How to sell old iPhones?
Replies: 21
Views: 1323

Re: How to sell old iPhones?

Buybackboss.com
by Fclevz
Tue May 26, 2020 6:58 pm
Forum: Investing - Theory, News & General
Topic: How to avoid tinkering?
Replies: 40
Views: 2171

Re: How to avoid tinkering?

Remember Bill Bernstein’s advice

A portfolio is like a bar of wet soap, the more frequently you touch it, the less of it there is.
by Fclevz
Mon May 25, 2020 11:31 am
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 94
Views: 8702

Re: Anyone screwed up timing the market?

Have I screwed up timing the market? Yes, every time I’ve ever tried it :D

The cure, for me, was largely psychological. I went to a 50/50 allocation and found that I can stick with that no matter what the markets do.
by Fclevz
Sun May 24, 2020 1:56 pm
Forum: Personal Investments
Topic: Why Vanguard Seems to Be Pushing Us Towards ETFs?
Replies: 50
Views: 4788

Re: Why Vanguard Seems to Be Pushing Us Towards ETFs?

But Vanguard also has many funds for which there is no ETF share class.
by Fclevz
Tue May 19, 2020 10:37 am
Forum: Investing - Theory, News & General
Topic: Dr. Malkiel: “I believe that investors need to put more China into their portfolios“
Replies: 138
Views: 9186

Re: Dr. Malkiel: “I believe that investors need to put more China into their portfolios“

simplesauce wrote:
Tue May 19, 2020 7:42 am
China’s GDP is about 13 percent of the world’s GDP and is growing rapidly.
I've never seen an index fund that weights by GDP.
by Fclevz
Sat May 16, 2020 5:52 pm
Forum: Personal Consumer Issues
Topic: Stinkbug screened in deck problem
Replies: 25
Views: 2302

Re: Stinkbug screened in deck problem

Since it’s a deck with, presumably, space between the boards, is it also screened underneath?
We had a screened-in gazebo like that and it made a huge difference (although our Issue was more mosquito oriented)
by Fclevz
Wed May 13, 2020 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: finding someone to discuss numbers
Replies: 12
Views: 1150

Re: finding someone to discuss numbers

Do you have a local Bogleheads group where you live?

https://www.bogleheads.org/wiki/Boglehe ... l_chapters
by Fclevz
Tue May 12, 2020 2:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Digital Advisor—personalized online financial advice at your fingertips
Replies: 8
Views: 764

Re: Vanguard Digital Advisor—personalized online financial advice at your fingertips

Fclevz can you elaborate on your comment that they are still working on this for retirees. The first screen you get is this: https://i.ibb.co/bLSDDXs/one.png But if you click on the "Retired/Semi-Retired" part, you get this message: https://i.ibb.co/HqvG4js/two.png So with the "Check Back Later Thi...
by Fclevz
Tue May 12, 2020 10:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard Digital Advisor—personalized online financial advice at your fingertips
Replies: 8
Views: 764

Re: Vanguard Digital Advisor—personalized online financial advice at your fingertips

It's still only half finished. If you select "I'm retired", it tells you they're still working on that section. :thumbsdown
by Fclevz
Tue May 12, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: Apple Airpods
Replies: 30
Views: 1940

Re: Apple Airpods

02nz wrote:
Tue May 12, 2020 9:13 am
The one usability advantage for the Sony is the ability to control the volume on the earphones themselves - I still don't understand why Apple doesn't allow this.
"Hey Siri, increase volume ten percent."
"Hey Siri, pause playback."
"Hey Siri, play podcast."
by Fclevz
Tue May 12, 2020 10:00 am
Forum: Personal Consumer Issues
Topic: Using the iCloud or similar services for iPhone videos?
Replies: 3
Views: 187

Re: Using the iCloud or similar services for iPhone videos?

As long as you have iCloud backup turned on, things like contacts and photos and videos will sync to iCloud automatically. https://support.apple.com/en-us/HT203977#icloud All of that stuff will then be synced to any other devices like iPads and Macs. Or, if you're accessing from a non-apple device, ...
by Fclevz
Sun Apr 12, 2020 11:56 pm
Forum: Personal Consumer Issues
Topic: T-Mobile Connect - $15/mo 2GB
Replies: 27
Views: 2603

Re: T-Mobile Connect - $15/mo 2GB

Mint Mobile $15 a month for 3gb and unlimited call/text $20 a month for 8gb and unlimited call/text Mint Mobile uses the same network as T Mobile so there's that. The biggest benefit however for TMobile is: TMobile Tuesdays app. https://www.t-mobiletuesdays.com/ It does give free donuts, useful dis...
by Fclevz
Fri Apr 03, 2020 10:13 pm
Forum: Investing - Theory, News & General
Topic: Peter Bernstein's Cash and Stock Portfolio
Replies: 8
Views: 1458

Re: Peter Bernstein's Cash and Stock Portfolio

Benjamin Buffett wrote:
Sat Jan 25, 2020 2:10 pm
I was researching the portfolio suggested to Cambridge University that recommended a spread of 80% stocks and 20% cash...
I’ve read references to that Cambridge allocation too, but never any real details. Did you find anything interesting?
by Fclevz
Sat Mar 28, 2020 6:14 pm
Forum: Personal Investments
Topic: Do Target Date funds with bonds still make sense now?
Replies: 38
Views: 2077

Re: Do Target Date funds with bonds still make sense now?

Don’t stay the course, because you were off-course to begin with. At 47, you should be in a 2035 or 2040 fund, not 2025. See Vanguard link below:

https://investor.vanguard.com/mutual-fu ... etirement/#/
by Fclevz
Sun Mar 22, 2020 10:38 am
Forum: Investing - Theory, News & General
Topic: Yields on TBill went Negative
Replies: 6
Views: 651

Re: Yields on TBill went Negative

The one-month T-bill was yielding 1.41 on March 2nd.
On March 18th it was 0.04.
That's a 97% drop in just 12 trading days. Yikes! And here I thought the stock market drop was bad. :D

https://www.treasury.gov/resource-cente ... data=yield
by Fclevz
Wed Mar 11, 2020 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited Non-spousal Roth
Replies: 7
Views: 416

Re: Inherited Non-spousal Roth

Did they pass away on or after 1 January 2020? The new SECURE Act says that inherited non-spousal retirement account distributions must now be taken within 10 years, not your lifetime. No more 'stretch'. https://www.fidelity.com/learning-center/personal-finance/retirement/understanding-the-secure-ac...
by Fclevz
Fri Mar 06, 2020 6:34 pm
Forum: Investing - Theory, News & General
Topic: Interesting Message on Fidelity's Bond page
Replies: 26
Views: 2560

Re: Interesting Message on Fidelity's Bond page

...would not allow you to buy a TIPS with a negative real yield to maturity. What about nominal treasuries? Won't all new-issue nominal treasury bills/notes/bonds now come with a negative real yield? Or, are they just assuming people are dumb and don't know that TIPS aren't a sure-fire money maker?...
by Fclevz
Thu Feb 27, 2020 2:12 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffet on renewable energy
Replies: 94
Views: 6933

Re: Warren Buffet on renewable energy

Wind Turbine Blades Can’t Be Recycled, So They’re Piling Up in Landfills Companies are searching for ways to deal with the tens of thousands of blades that have reached the end of their lives. https://www.bloomberg.com/news/features/2020-02-05/wind-turbine-blades-can-t-be-recycled-so-they-re-piling-...
by Fclevz
Mon Feb 24, 2020 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Sell home for a loss / Or rent it out
Replies: 11
Views: 859

Re: Sell home for a loss / Or rent it out

Don’t think of it as a loss, think of it as rent.
by Fclevz
Sat Feb 22, 2020 2:51 pm
Forum: Investing - Theory, News & General
Topic: "Here is how to tell a bull market is coming" wolf, wolf, wolf...
Replies: 15
Views: 2677

Re: "Here is how to tell a bull market is coming" wolf, wolf, wolf...

Many of my friends and colleagues...were severely impacted in the last one and have not recovered. Haven’t recovered in the last 10 year bull market? Is that because they sold at the bottom and didn’t get back in? Easy solution, don’t do that. Survive a recession by having enough in less volatile i...
by Fclevz
Tue Feb 11, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot access credit reports - Equifax and TransUnion
Replies: 12
Views: 1067

Re: Cannot access credit reports - Equifax and TransUnion

gwe67 wrote:
Mon Feb 10, 2020 9:58 pm
I refuse to do it by mail.
I’ve never had that method fail.
Here is the form: https://www.annualcreditreport.com/manu ... orm.action
by Fclevz
Mon Feb 10, 2020 1:04 am
Forum: Personal Investments
Topic: Morningstar Fair Market Value
Replies: 3
Views: 299

Re: Morningstar Fair Market Value

Do they explain anywhere what criteria they’re using to calculate this ‘fair-value’?
by Fclevz
Sat Feb 01, 2020 10:32 am
Forum: Personal Consumer Issues
Topic: Replace car door at Body shop or Dealership?
Replies: 20
Views: 1318

Re: Replace car door at Body shop or Dealership?

Don't many dealerships actually use an outside body shop for body work? I had a door replaced on a Honda Prelude once. Oddly, the Honda dealer sent it out to the local Ford dealership for repairs. They did an excellent job with the paint matching, which, I found out later, is why most mainstream lo...
by Fclevz
Wed Jan 29, 2020 10:17 am
Forum: Investing - Theory, News & General
Topic: Fidelity lets clients now trade fractional shares of stocks and ETFs
Replies: 180
Views: 17225

Re: Fidelity lets clients now trade fractional shares of stocks and ETFs

Strange that there doesn't seem to be any mention of it on their website yet.
by Fclevz
Mon Jan 27, 2020 7:31 pm
Forum: Investing - Theory, News & General
Topic: Designing a Portfolio for an Investor Who Wishes to Avoid "Paper Assets"
Replies: 61
Views: 3091

Re: Designing a Portfolio for an Investor Who Wishes to Avoid "Paper Assets"

”Gold Is Money, Everything Else Is Credit."
— JP Morgan, 1912
“I think gold is a great thing to sew into your garments if you’re a Jewish family in Vienna in 1939. But, I think civilized people don’t buy gold, they invest in productive businesses.”
— Charlie Munger, 2012
by Fclevz
Sun Jan 26, 2020 11:11 pm
Forum: Personal Investments
Topic: Sold for a loss, now what ?
Replies: 9
Views: 1699

Re: Sold for a loss, now what ?

From that screenshot it looks like you have a $1,907 gain, not a loss.
by Fclevz
Fri Jan 24, 2020 5:02 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Does Recommend The 90/10 Portfolio
Replies: 109
Views: 17496

Re: Warren Buffett Does Recommend The 90/10 Portfolio

Mr. Buffett has so much money that his widow will be find being 90%/10% or even 10%/90% His 'so much money' is in Berkshire. And, as quoted above, all of his Berkshire shares are going to philanthropy. He has pledged to give away 99% of his net worth to charity before he dies. 83% of the money will...
by Fclevz
Sat Jan 18, 2020 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Card is absolutely useless (overseas)
Replies: 34
Views: 2790

Re: Apple Card is absolutely useless (overseas)

A computer purchase in a different country than the one listed as the card owners home country?
Sounds like it just got flagged as a suspicious purchase and they want to verify you are actually you.
by Fclevz
Fri Jan 17, 2020 9:23 pm
Forum: Investing - Theory, News & General
Topic: BlackRock's New Position on Climate Change
Replies: 18
Views: 1328

Re: BlackRock's New Position on Climate Change

This new position isn’t going to affect their ETF’s, right?

Although, I suppose that if enough people changed their investing perspective, the market itself would change too, eventually.
by Fclevz
Tue Jan 07, 2020 8:44 pm
Forum: Personal Investments
Topic: Very High LT Gap Gains in a Target Date Fund
Replies: 4
Views: 554

Re: Very High LT Gap Gains in a Target Date Fund

BroIceCream wrote:
Tue Jan 07, 2020 8:30 pm
...eventhough their reasoning isn't clear for the swap.
Looks like it was to lower costs. The fund they swapped to has an expense ratio of 0.00%
by Fclevz
Wed Jan 01, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Alternative to stairs?
Replies: 38
Views: 3328

Re: Alternative to stairs?

Image
by Fclevz
Sun Dec 29, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 120
Views: 9364

Re: Any audiophiles on this forum?

Living room
Harbeth Monitor 40.2
Vinnie Rossi L2i-SE

Office
Spica TC-60
Golden Tube Audio SE-40
by Fclevz
Wed Dec 25, 2019 6:53 pm
Forum: Investing - Theory, News & General
Topic: DFA cuts fees...
Replies: 8
Views: 1300

Re: DFA cuts fees...

Meh. Hard to get excited about the news when I can’t actually buy their funds.
by Fclevz
Tue Dec 24, 2019 10:34 am
Forum: Personal Investments
Topic: Allocation 'during' retirement - strategy help
Replies: 22
Views: 1696

Re: Allocation 'during' retirement

$850 a month on $100k is a 10.2% withdrawal rate. That’s only going to be viable for a shorter timeframe than life expectancy According to immediateannuities.com , a $100k investment in a life annuity for a 66 year old woman would pay $506 a month, which is shy of the $850 she needs. Bottom line, as...
by Fclevz
Wed Dec 18, 2019 7:26 pm
Forum: Personal Investments
Topic: Fidelity Total Intl Index > Vanguard Total Intl Index?
Replies: 14
Views: 1730

Re: Fidelity Total Intl Index > Vanguard Total Intl Index?

Active fund company with few index funds as loss leaders to attract new customers with the hope of them buying other expensive funds. Passive fund company with several index funds which are owned by customers and expense ratio goes down as AUM increases. That answered none of my questions. More tha...
by Fclevz
Sat Dec 07, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: Mobility issues in a 2 story house
Replies: 73
Views: 3613

Re: Mobility issues in a 2 story house

The main stairs design is that there is a landing midway between the first and second floor - two half flights descend in different directions from the landing, one ascends to the second floor (so it's sort of a "T"). A chair lift might be challenging, due to the landing and the fact that there is ...
by Fclevz
Sat Dec 07, 2019 12:56 pm
Forum: Personal Investments
Topic: REIT - ARR
Replies: 8
Views: 664

Re: REIT - ARR

It’s not a ‘real’ REIT. That is, it doesn’t invest in actual property, but rather in mortgage-backed securities.

Personally, if I wanted property, I’d invest in REIT that held property. If I wanted mortgage-backed securities, I’d buy GNMA’s. Mortgage REIT’s are beasts that aren’t quite either.