Search found 303 matches

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: 15
Views: 905

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: 1125

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: 3381

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: 4775

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: 945

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: 2511

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: 1886

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: 395

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: 1336

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: 1584

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: 140
Views: 9375

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: 34
Views: 2668

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: 1000

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: 7700

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: 2520

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: 2502

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: 97
Views: 9728

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: 3868

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: 2451

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: 2451

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: 6783

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: 16117

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: 3119

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: 3110

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: 3799

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: 802

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...
by Fclevz
Tue Aug 29, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: Building Vanguard Tot Intl (VXUS)
Replies: 14
Views: 1539

Re: Building Vanguard Tot Intl (VXUS)

Looking at it from a different way, VEU has a median market cap of 32 billion, VSS 1.7 billion. VXUS IS 25.3 billion.

So to match VXUS market cap would require a mix of VEU/VSS of about 80/20.
by Fclevz
Sun Aug 27, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: mold problem in bathroom --advice?
Replies: 18
Views: 2046

Re: mold problem in bathroom --advice?

I have a fan in there which we turn on after showers You should probably also have the fan on during the shower. But that's assuming it's actually venting the bathroom. Do you think it is? I've seen many exhaust fans that simply lead up into an attic and under the insulation, meaning they aren't ac...
by Fclevz
Fri Aug 25, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Schwab bid/ask spread
Replies: 6
Views: 516

Re: Schwab bid/ask spread

Yep, check again during open market hours.
Average spread over the last 45 days, according to ETF.com, for SCHF was only 0.03%.
http://www.etf.com/SCHf
by Fclevz
Tue Aug 22, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total Corporate Bond ETF
Replies: 42
Views: 7153

Re: Vanguard Announces Plans To Launch Total Corporate Bond ETF

I wonder if it's to compete against iShares CRED ETF?
Interestingly, iShares also has a 'total treasury' ETF (GOVT). I wonder if Vanguard will come out with one of those too?
by Fclevz
Mon Aug 14, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 87
Views: 23705

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

Proposal 7— A shareholder proposal to institute transparent procedures to avoid holding investments in companies that, in management’s judgement, substantially contribute to genocide or crimes against humanity, the most egregious violations of human rights. While I certainly don't condone genocide,...
by Fclevz
Mon Aug 14, 2017 3:54 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for Tracking the Global Market Portfolio
Replies: 14
Views: 1399

Re: Spreadsheet for Tracking the Global Market Portfolio

In case anyone hasn't seen it yet, here is a video where Sharpe talks about it https://www.youtube.com/watch?v=XsXOLZ9U7jI
by Fclevz
Mon Aug 14, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for Tracking the Global Market Portfolio
Replies: 14
Views: 1399

Re: Spreadsheet for Tracking the Global Market Portfolio

Another possible source of these could be from the vanguard website thru the fund's "Portfolio & Management" page. On the VFWAX page, it lists $30.9 billion for the "FTSE All-World ex US Index" as of 06/30/2017 On the VTIAX page, it lists $24.0 billion for the "FTSE Global All Cap ex US Index" as o...
by Fclevz
Mon Aug 14, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Performance Report
Replies: 9
Views: 1816

Re: Vanguard Performance Report

performance is more than financial. How is their customer service performance or their IT performance? My epxeriences have been poor as many on this board also have stated. How many dollars is good customer service or IT performance worth to you? When I was young I would have said "not much". But a...
by Fclevz
Mon Aug 14, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: PSA - Mute button for Gas Station TV!
Replies: 22
Views: 2956

Re: PSA - Mute button for Gas Station TV!

I just got an advertisement in the mail for a local dentist.
One of the highlights of their practice that they strongly emphasized was that they had DirecTV and Pandora available while you're in the chair. :D
by Fclevz
Tue Aug 08, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Leather couch, dog scratches -- help?
Replies: 20
Views: 1934

Re: Leather couch, dog scratches -- help?

nymeria.stark wrote:It clearly just happens as she's trying to bed down.
I've got an old quilt on my couch. It provides better 'nesting' material than the bare couch, and I don't care if it gets roughed up a bit.
by Fclevz
Tue Aug 08, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: FSITX Question (Fidelity Total Bond Index Fund)
Replies: 7
Views: 944

Re: FSITX Question (Fidelity Total Bond Index Fund)

J295 wrote:FSITX is fine. Or, you could just buy BND at Fidelity.
Or AGG (iShares Core U.S. Aggregate Bond ETF), which has no commission to buy.
by Fclevz
Tue Aug 01, 2017 12:59 pm
Forum: Investing - Theory, News & General
Topic: SNAP News - S&P 500 Index vs Total Stock Market Index
Replies: 10
Views: 1061

Re: SNAP News - S&P 500 Index vs Total Stock Market Index

The real reason it wouldn't be in the S&P 500 is because it doesn't meet the positive earnings criteria. Earnings per Share (TTM) is -$3.05.
by Fclevz
Mon Jul 31, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: protecting personal information
Replies: 14
Views: 1283

Re: protecting personal information

Buy your next house in the name of a mis-named trust (that is not your name) with someone else (a trusted friend) as trustee. You could have your friend sign off as trustee, after the purchase, but don't record that. Keep house recorded in their name as trustee. Get all your mail at a PO box. Simpl...
by Fclevz
Mon Jul 31, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]
Replies: 63
Views: 4862

Re: How Fidelity’s War With Vanguard Means Big Savings for Investors

Spirit Rider wrote:This is not just about Vanguard and Fidelity, Blackrock's iShares...
And iShares total stock market ETF (ITOT) already sports a 3 basis point expense ratio and is commission-free to buy at Fidelity.
by Fclevz
Mon Jul 24, 2017 9:20 am
Forum: Investing - Theory, News & General
Topic: S&P Foreign Sales Decline a Bit for 2016
Replies: 8
Views: 609

Re: S&P Foreign Sales Decline a Bit for 2016

At least a few more are actually reporting the numbers. Still not enough, though.
  • Just over one-half of S&P 500—257 issues—reported sufficient information to facilitate producing a report on global sales for 2016, up from 255 issues in 2015 and 246 issues in 2014.
by Fclevz
Fri Jul 21, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Total Market mutual fund or ETF?
Replies: 3
Views: 351

Re: Total Market mutual fund or ETF?

Is TD Ameritrade still buying Scottrade?
The reason I ask is because VTI is commission-free at TD Ameritrade.
by Fclevz
Fri Jul 21, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 4104

Re: Investing well for Retirement can be frustrating

investingdad wrote:A co-worker just bought a very nice luxury car...Another guy I know did a big trade up on his family home about a year ago...
Since your investment portfolio undoubtedly contains stock in car companies and homebuilders, it's like they're donating money to your retirement fund! :D
by Fclevz
Wed Jul 19, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: FOSFX OR VEA??
Replies: 5
Views: 428

Re: FOSFX OR VEA??

The generally recommended Fidelity International fund is Fidelity Total International Index Fund (FTIPX).
Or, if you prefer an ETF, iShares are no-commission to buy at Fidelity, and the general recommendation there would be iShares Core MSCI Total International Stock ETF (IXUS).
by Fclevz
Wed Jul 12, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: Investors flock to Vanguard funds, dump Goldman, Wells Fargo, and others
Replies: 35
Views: 3730

Re: Market watch article about Vanguard funds today

I wanted to know how many employees they are hiring to handle this influx of cash?? I recall reading recently that Vanguard had added 1700 new employees and might add more if necessary. Recent articles seem to imply that much of the new cash is actually going into Vanguard ETF's. So that could mean...
by Fclevz
Mon Jul 10, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 84
Views: 16252

Re: Bill Sharpe's preferred portfolio

Global stocks and bonds, cap weighted, free float, plus TIPS to taste... Did I miss it where he mentions any kind of recommendation as to the amount of TIPS vs The Global Bond/Stock Portfolio? Or is that one of those 'depends on the individual' things? Or should I check out his 'lockbox' writings f...
by Fclevz
Mon Jul 10, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: ETFs: VTI vs. SCHB [Total Stock vs. US Broad Market]
Replies: 21
Views: 12428

Re: ETFs: VTI vs. SCHB [Total Stock vs. US Broad Market]

And don't forget about iShares Core S&P Total U.S. Stock Market ETF (ITOT), with an expense ratio of 0.03%. It has a bit more daily volume than SCHB. And, it's commission-free at several big brokerages. Although, realistically, any of the three would undoubtedly be fine.
by Fclevz
Mon Jul 10, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: How to get (qualify for) a mortgage in retirement.
Replies: 20
Views: 1628

Re: How to get (qualify for) a mortgage in retirement.

Get the loan from your broker. If your broker charges too much, get a new broker. I had never thought of that, but I had a relative who did that recently. It was pretty easy, especially since it required no paperwork (backed by assets). And, only a 2% rate! (Although, he only kept the margin loan o...
by Fclevz
Mon Jul 10, 2017 9:26 am
Forum: Investing - Theory, News & General
Topic: The proper bond allocation
Replies: 29
Views: 3643

Re: The proper bond allocation

I'm guessing those numbers aren't float-adjusted?