Search found 326 matches

by Fclevz
Thu Feb 15, 2018 11:33 pm
Forum: Investing - Theory, News & General
Topic: Best Treasury Bond Fund/ETF for Taxable Accounts
Replies: 17
Views: 1960

Re: Best Treasury Bond Fund/ETF for Taxable Accounts

I’ve always liked the ‘total treasury’ ETF GOVT.
by Fclevz
Thu Feb 15, 2018 11:27 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 2439

Re: Cell phone service

by Fclevz
Wed Jan 31, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 98
Views: 19875

Re: Bill Sharpe's preferred portfolio

Over the last seven months, the portfolio moved from 57/43 to 60/40, stocks/bonds Interesting that it has hovered around the traditional 60/40 balanced allocation. As for your spreadsheet, are you using Sharpe’s method for calculating between index data releases? Is a copy of that spreadsheet avail...
by Fclevz
Thu Jan 25, 2018 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: 10 year growth table for VG 40/20/40 allocation?
Replies: 5
Views: 582

Re: 10 year growth table for VG 40/20/40 allocation?

Here are the exact three Vanguard funds at Portfolio Visualizer (VTSMX, VGTSX, VBMFX) CAGR 6.01% https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2008&firstMonth=1&endYear=2017&lastMonth=12&endDate=01%2F25%2F2018&initialAmount=10000&annualOperation=0&annualAdjustment...
by Fclevz
Thu Jan 25, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Credit Card Compromised... again.
Replies: 16
Views: 1052

Re: Credit Card Compromised... again.

sixtyforty wrote:
Thu Jan 25, 2018 11:02 am
...then proceeded to charge hundreds of dollars at two different grocery stores.
I thought that's what the chips were supposed to prevent. Or are those two grocery stores just dragging their feet with regard to chip readers?
by Fclevz
Thu Jan 25, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 PE ratio discrepency
Replies: 7
Views: 661

Re: S&P 500 PE ratio discrepency

Looks like different dates. One is Jan 25, 2018 and one is Dec 31, 2017.
Since the P part has gone up pretty good in the last almost-a-month, that would probably skew the numbers.
by Fclevz
Tue Jan 23, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: New in depth interview with Jack Bogle-"Uneasy Lies The Head That Wears A Crown”: A Conversation With Jack Bogle
Replies: 4
Views: 619

Re: New in depth interview with Jack Bogle-"Uneasy Lies The Head That Wears A Crown”: A Conversation With Jack Bogle

This part was interesting. Wellington is actually an index fund! And apparently, all Vanguard actively-managed funds are too, basically. Take a fund like the Wellington Fund. It has a 98% R-squared, or coefficient of determination, with the two indexes it tracks – 65% S&P 500 and 35% Barclays/Bloomb...
by Fclevz
Sun Jan 21, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: We need more space!
Replies: 24
Views: 2076

Re: We need more space!

Where I live, the popular option for more space is to finish the basement and also add a full bathroom down there.
by Fclevz
Wed Jan 17, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: TreasuryDirect Account Authorization
Replies: 12
Views: 5740

Re: TreasuryDirect Account Authorization

If you already have a Fidelity, Schwab, Vanguard, etc. brokerage account, new auction treasuries are no commission (and no hassle).
by Fclevz
Tue Jan 16, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Equivalent of Vanguard Ltd Tx Ex
Replies: 4
Views: 268

Re: Fidelity Equivalent of Vanguard Ltd Tx Ex

There’s also the Fidelity ETF FLTB, and iShares SUB.
by Fclevz
Mon Jan 15, 2018 12:39 am
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 4893

Re: Nostalgic about old online brokerages that no longer exist

DrGoogle2017 wrote:
Mon Jan 15, 2018 12:13 am
I’m nostalgic about Brown & Co, it was the cheapest comission at the time, $5. I lost track of what happened to it and who acquired it. I did a lot of business there. I might have an account with Waterhouse, but not trading much there.
Brown & Co. was purchased by E*Trade in 2005.
by Fclevz
Mon Jan 08, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone received their IRS PIN?
Replies: 9
Views: 715

Re: Anyone received their IRS PIN?

tigermilk wrote:
Mon Jan 08, 2018 5:21 pm
...received a PIN for 2016 taxes. Unfortunately that didn't help as the system was gamed and I again had a fraudulent return in my name.
So the PIN’s don’t actually prevent fraudulent returns?!?
by Fclevz
Mon Jan 08, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 3829

Re: Best Phone Plan for 1 person

Mint SIM is the best deal I’ve found. $15 for unlimited talk/text and 2 Gig of data, $20 for 5 Gig. T-Mobile MVNO.
by Fclevz
Sat Jan 06, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Good choice for money in brokerage account needed within 6 to 9 months?
Replies: 9
Views: 743

Re: Good choice for money in brokerage account needed within 6 to 9 months?

You can buy treasury bills commission-free at any major brokerage. Current 6-month rate about 1.6%. 3-month about 1.45%.
by Fclevz
Fri Jan 05, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard: No more buy/sell transactions in writing?
Replies: 31
Views: 2600

Re: Vanguard: No more buy/sell transactions in writing?

plannerman wrote:
Fri Jan 05, 2018 11:21 am
...how would one mail in a check.
Maybe you don’t. They likely want to move all new-money investments to electronic funds transfers from your bank.
by Fclevz
Thu Jan 04, 2018 11:03 am
Forum: Investing - Theory, News & General
Topic: "VB Account Agreement"--Checkwriting? No written orders? What IS this really about?
Replies: 16
Views: 1439

Re: "VB Account Agreement"--is checkwriting on death row? What IS this really about?

Since every business I transact with wants to force me online, my first assumption was also the human element. They don't want to receive written transactions because it simply costs too much to have people process them.
by Fclevz
Thu Jan 04, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: Non Public-traded REIT nightmare continues
Replies: 16
Views: 2081

Re: Non Public-traded REIT nightmare continues

I always wondered if my crazy uncle got burned by something non-traded, because his constant saying about investing was: "Don't invest in anything that doesn't have a price listed in the Wall Street Journal."
by Fclevz
Tue Jan 02, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: An hour with David Swensen at Council of Foreign Relations
Replies: 25
Views: 2891

Re: An hour with David Swensen at Council of Foreign Relations

On nearing retirement, put about 5 years' living expenses into bonds and 2 years' into cash. Is that a Swensen suggestion or quote? In Unconventional Success he mentions moving more money to cash as the time you need it approaches, while leaving the core portfolio intact as to stock/bond ratio. Is ...
by Fclevz
Tue Dec 26, 2017 4:11 pm
Forum: Investing - Theory, News & General
Topic: Total World expense ratio lowered
Replies: 35
Views: 7106

Re: Total World expense ratio lowered

To update this old thread, the annual report for total world came to my inbox a couple of days ago. The actual operating expenses, given in a footnote, for the fiscal year, which is end of Oct, were 19 bp for the investor shares. In the past this has foreshadowed an announcement in the following Fe...
by Fclevz
Sun Dec 10, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: detergent without non-recyclable packaging?
Replies: 28
Views: 1725

Re: detergent without non-recyclable packaging?

I was going to suggest the Seventh Generation 'bottles' made out of recycled cardboard and newspaper. However, upon closer examination, it looks like the outer 'bottle' is only for shape and stability. The actual detergent is inside in a plastic pouch :oops:
by Fclevz
Fri Nov 24, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Apple people: Office 365 or Apple's stuff?
Replies: 14
Views: 1110

Re: Apple people: Office 365 or Apple's stuff?

I transitioned just fine and haven't used anything Microsoft for years. However, I have no need to send or receive collaborative documents to or from anyone. If you do, you'll probably find it easier to all use the same software, rather than translating from a non-native format. On the few occasions...
by Fclevz
Fri Nov 24, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 5374

Re: if you could have only 1 investment firm...

I like Fidelity for their cash management account. Have had banking and brokerage at the same place since E-Trade bought a bank back in the '90's. Schwab also has banking. I also like Fidelity for their research and graphing tools, which are light-years ahead of Vanguard. But since you have experien...
by Fclevz
Thu Nov 16, 2017 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help Advise with a Fidelity Managed (discretionary) Account
Replies: 17
Views: 1378

Re: Help Advise with a Fidelity Managed (discretionary) Account

My father has a managed account. I don't think they really do much to make it worth the cost. At least when it comes to portfolio management. However, where it is worth the cost is in the psychological counselor realm. He needs someone to talk to about stuff and reassure him (family doesn't count). ...
by Fclevz
Wed Nov 15, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Identity Theft Credit Score
Replies: 13
Views: 1338

Re: Identity Theft Credit Score

Any other suggestions of how she can get her credit score to improve? Dispute the inaccurate information on the credit report as fraud (police report should help here). Incorrect information on the report should be removed and so then no longer impact your score. I've had that happen several times ...
by Fclevz
Wed Nov 08, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 3980

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

I just noticed that Amazon has the Moto G5 Plus 4 gig/64 gig on sale for $224.99. Killer deal.

https://www.amazon.com/Moto-Plus-5th-Ge ... Bplus&th=1
by Fclevz
Tue Nov 07, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 5422

Re: What do you do to keep your mind sharp?

Long-form reading
Complex music
Minimize television
by Fclevz
Sun Nov 05, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Brokerage and/or Cash Management Account?
Replies: 12
Views: 1325

Re: Fidelity Brokerage and/or Cash Management Account?

The Cash Management Account is essentially a bank account. Not only does it have the standard bank account stuff like unlimited check-writing and bill pay, but its also eligible for up to $1.25 million in FDIC protection. It does this behind the scenes by keeping up to $250k in each of up to five pa...
by Fclevz
Mon Oct 30, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: 2-fund vs. 3-fund
Replies: 26
Views: 3152

Re: 2-fund vs. 3-fund

From the title, I thought the 2-fund portfolio would be Total World Stock and Total Bond :D
by Fclevz
Wed Oct 25, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Moved to Vanguard this year. Set target allocation. Now significantly outside target range. Now what?
Replies: 30
Views: 2116

Re: Moved to Vanguard this year. Set target allocation. Now significantly outside target range. Now what?

Also note that you can direct new funds to under-weighted assets. And there is no reason you have to wait a year to rebalance, I take great joy in rebalancing a few bucks here and there just for fun. As others have noted, rebalance in your pre-tax accounts, or pay taxes on the after-tax gains (thou...
by Fclevz
Tue Oct 24, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Viewing slow motion videos from an iPhone
Replies: 5
Views: 441

Re: Viewing slow motion videos from an iPhone

rkhusky wrote:
Tue Oct 24, 2017 1:10 pm
Try VLC media player:
https://www.videolan.org/vlc/index.html
Yep. VLC will play anything/everything.
by Fclevz
Sat Oct 21, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of converting all my total us stock market funds to target date funds
Replies: 8
Views: 1469

Re: Thinking of converting all my total us stock market funds to target date funds

ca1989 wrote:
Fri Oct 20, 2017 10:17 am
...I understand that the target date funds have an expense ratio added on top of the underlying funds they hold...
The good ones don't charge an extra fee. You mentioned Fidelity, Schwab, and Vanguard. All three of them have low-cost indexed target-date funds without extra bundling fees.
by Fclevz
Fri Oct 20, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Drawback of TOTP (app like Google Authenticator)?
Replies: 22
Views: 1798

Re: Drawback of TOTP (app like Google Authenticator)?

When you sign up for 2 factor, either at google or other places, you can choose to get the underlying code rather than the QR code. This can be entered manually into the authenticator app, but it can also be stored in a secure password manager, or a second device. Isn't that code only good for one-...
by Fclevz
Wed Oct 18, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 11029

Re: Anyone planning on getting the new Pixel phone?

How about a new Moto G5S Plus? 5.5 inch screen, $349 with 4GB RAM and 64GB storage.
by Fclevz
Thu Oct 12, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: I need a better online checking w billpay and mobile check deposit
Replies: 44
Views: 4005

Re: I need a better online checking w billpay and mobile check deposit

I use Fidelity. I had the same needs as you when I started years ago. Fits perfectly. Their app looks modern and has all the bells and whistles (of course, including mobile deposit). +1, no complaints with Fidelity. I just checked my Fidelity app and it said the daily mobile deposit limit is $200,0...
by Fclevz
Wed Oct 11, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: WSJ- ‘Passive’ Investing Frenzy Pushes Vanguard to $4.7 Trillion in Assets Assets topped $4 trillion for the first time
Replies: 3
Views: 1063

Re: WSJ- ‘Passive’ Investing Frenzy Pushes Vanguard to $4.7 Trillion in Assets Assets topped $4 trillion for the first

But they're not the only horse in this race...
WSJ - Passive Powers BlackRock(iShares) to Nearly $6 Trillion in Assets
Inflows for the first nine months of the year have topped inflows for all of 2016

https://www.wsj.com/articles/blackrock- ... 1507719342
by Fclevz
Sat Oct 07, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 8357

Re: Do you want your receipt?

More and more often it seems that the printed receipt isn't automatic; the cashier has to hit a key to initiate printing. In those cases I'm more likely to say no, but if it already printed, I'll take it.
by Fclevz
Thu Oct 05, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: How many money accounts do you have? And how do you Keep track of them?
Replies: 28
Views: 2812

Re: How many money accounts do you have? And how do you Keep track of them?

One.
Investing, banking, and credit card are all under my one Fidelity login.
by Fclevz
Thu Sep 28, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Email address compromised - HELP!!!
Replies: 28
Views: 2748

Re: Email address compromised - HELP!!!

The spammers got your email address from the Equifax hack, of course :wink:
by Fclevz
Fri Sep 22, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 12476

Re: VG wants everyone to transfer to a brokerage account?

bettyboopmary wrote:
Thu Sep 21, 2017 2:44 pm
Just got it.
They must be doing this really gradually. I got my first notice about it in March of 2015 :shock:
by Fclevz
Thu Sep 21, 2017 4:09 pm
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 49
Views: 4054

Re: AA if you were just starting out again

  • Any known money needed within the next five years to be covered by a treasury bill/note of similar maturity
  • Two years living expenses in a money market fund
  • The remainder in equities
by Fclevz
Thu Sep 21, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Tenant wants to break contract. How much to pay an attorney?
Replies: 33
Views: 2653

Re: Tenant wants to break contract. How much to pay an attorney?

If your current tenant leaves tomorrow, are you not going to try to re-rent the place? You'll need to try and mitigate your loss. If your current tenant leaves tomorrow and you rent it to someone else next week, you have no damages other than one week of lost rent and associated costs. You can't re...
by Fclevz
Thu Sep 21, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Tenant wants to break contract. How much to pay an attorney?
Replies: 33
Views: 2653

Re: Tenant wants to break contract. How much to pay an attorney?

If your current tenant leaves tomorrow, are you not going to try to re-rent the place? You'll need to try and mitigate your loss. If your current tenant leaves tomorrow and you rent it to someone else next week, you have no damages other than one week of lost rent and associated costs. You can't re-...
by Fclevz
Fri Sep 15, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 7650

Re: Fidelity Security

I see that Fidelity's Symantec VIP 2FA app can only be installed in one place at a time (phone, laptop, desktop, whatever). This makes sense since you don't want the possibility of conflicting codes. But am I correct in assuming that doesn't restrict you to one device? For example, if you have the a...
by Fclevz
Thu Sep 07, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 191
Views: 17661

Re: Bitcoin in 3-fund indexed portfolio?

At its core, Bitcoin is simply a currency. You probably aren't considering 'investing' in Canadian Dollars or British Pounds or Euros or whatever. Is Bitcoin really any different, other than its decentralized nature? Sure, the 'price' fluctuates a lot, but that just seems to be speculation and impli...
by Fclevz
Wed Sep 06, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: Places to see in Chicago
Replies: 45
Views: 3476

Re: Places to see in Chicago

I find the T-Rex exhibit at the Field Museum to be worth seeing but the other permanent exhibits are not much of a draw. Also at the Field Museum: The Cyrus Tang Hall of China is absolutely outstanding. I had a long discussion with a docent who was extremely knowledgable and personable. He was also...
by Fclevz
Tue Sep 05, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage missing $ again
Replies: 19
Views: 3242

Re: Vanguard Brokerage missing $ again

The old Roth account was completely gone, the assets were gone, and all the records associated with the account were gone. No help from Vanguard. Adding insult to injury, the rep seemed to imply that I was making the whole thing up and made no offer to investigate it. Exact thing happened to me, wh...
by Fclevz
Mon Sep 04, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 4466

Re: Wanting a Portable Auto GPS

Move from car to car?
Carry through unfamiliar airports?
Always up-to-date maps?

Hmmm, what's that sound like?
Skip the GPS and go right to the iPhone or Android equivalent.
by Fclevz
Fri Sep 01, 2017 10:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard ETF question: Why aren't all ETF offerings displayed?
Replies: 7
Views: 853

Re: Vanguard ETF question: Why aren't all ETF offerings displayed?

Vanguard has tried to move away from S&P and Russell indexes. Based on comments from when they went to CRSP indexes, its apparently at least partly about costs (although Russell indexes have long been criticized for being poorly constructed and susceptible to front-running). They still have them, th...