Search found 373 matches

by Fclevz
Tue Oct 09, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 2948

Re: Dayton, Ohio -- Worth Visiting?

tivattom wrote:
Tue Oct 09, 2018 10:40 am
The National Museum of the US Air Force is a great museum, and a must see if you've never been. Its definitely worth the price of admission (its free).

https://www.nationalmuseum.af.mil/
Definitely don’t miss the XB-70 Valkyrie.
by Fclevz
Fri Oct 05, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: place to buy stock certificates?
Replies: 4
Views: 664

Re: place to buy stock certificates?

https://www.giveashare.com

However, the number of companies that still issue paper certificates is growing smaller every day.
by Fclevz
Tue Sep 11, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars
Replies: 53
Views: 4724

Re: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars

Vanguard now has commission-free trading on 1,800 ETFs, so its not like nothing good is happening there.
by Fclevz
Fri Sep 07, 2018 9:13 am
Forum: Investing - Theory, News & General
Topic: Mutual Fund Fee Wars Will Encourage Bad Behavior
Replies: 26
Views: 2652

Re: Mutual Fund Fee Wars Will Encourage Bad Behavior

Vanguard ETF's used to be commission-free only up to 25 buys and sells of the same ETF in a year. After that, you paid commission.
I don't see that on the website anymore, did they do away with it?
by Fclevz
Thu Sep 06, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF
Replies: 48
Views: 5537

Re: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF

Sort of a bummer that there isn't a traditional mutual fund option available. Interesting that the reasoning for making this an ETF-of-ETF's would also have applied to Total World Stock (VT), yet they made that an entirely new fund, rather than just combining Total Stock and Total International Stoc...
by Fclevz
Wed Sep 05, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Is there a better way to do International than Total Index??
Replies: 22
Views: 2909

Re: Is there a better way to do International than Total Index??

Jack Bogle has previously suggested that any international allocation be half in emerging markets and half in developed.
by Fclevz
Thu Aug 30, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: Taxable account cost basis. Specific ID, FIFO or average cost?
Replies: 18
Views: 1274

Re: Taxable account cost basis. Specific ID, FIFO or average cost?

you still have to get each lot entered on Form 8949. It doesn't make the recordkeeping any easier, but on Form 8949 you can report the sale in aggregate. IRS Publication 550 says: If you sell a block of stock or other property that you bought at various times, report the short-term gain or loss fro...
by Fclevz
Tue Aug 14, 2018 5:53 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio experiment
Replies: 19
Views: 2514

Re: Schwab Intelligent Portfolio experiment

Thanks for the report. I've been wondering how people will feel come tax time when they have to report all these buying and selling activities. The number of transactions is actually irrelevant as far as your 1040 goes. As long as it’s information supplied to the IRS, and there aren’t any basis rep...
by Fclevz
Mon Aug 13, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market
Replies: 5
Views: 1136

Re: Vanguard Prime Money Market

That's a lot of cash. If it's a semi-permanent allocation, have you maybe considered something like the Vanguard Ultra-Short-Term Bond Fund Admiral Shares (VUSFX)? Or maybe 52 week T-bills at about 2.45%?
by Fclevz
Thu Aug 02, 2018 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Let's talk Bonds: BND, VCIT, BIV, LQD, SLQD?
Replies: 15
Views: 1824

Re: Let's talk Bonds: BND, VCIT, BIV, LQD, SLQD?

According to Nisiprius’ recent scatter diagram series, the exact bond fund choice appears to not matter too much.
viewtopic.php?f=10&t=255305&p=4045998
by Fclevz
Wed Jul 25, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe Radio Interview
Replies: 19
Views: 1967

Re: Larry Swedroe Radio Interview

I am surprised no one mentioned these two comments. Both of these subject usually drive half of the most active threads. 1) He said his portfolios are 50% domestic 50% international. He does this because he said the world wide market cap is roughly 50/50. Most people on this board usually have much...
by Fclevz
Sun Jul 22, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 128
Views: 27185

Re: Bill Sharpe's preferred portfolio

spdoublebass wrote:
Sun Jul 22, 2018 2:26 pm
I agree with everything above except the Global all cap ex US.
I found that number to be 21,532,624
In your link it shows the global number as 51,639,835 and the US as 27,505,578

51,639,835 - 27,505,578 = 24,134,257
Where did you get the 21,532,624 number?
by Fclevz
Sat Jul 21, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Parking $$ for future tax payment
Replies: 12
Views: 1020

Re: Parking $$ for future tax payment

Rather than waiting for next April, wouldn’t the IRS be expecting quarterly estimated tax payments this year?
by Fclevz
Wed Jul 18, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 13323

Re: New Vanguard Security Code Requirement

Jack FFR1846 wrote:
Wed Jul 18, 2018 6:18 am
...first screen telling me I can link my bank account (not interested)...
Without the bank link, how do you move money into or out of your account?
Isn't the bank link going to be essentially mandatory too, since the invest-by-mail forms are now defunct?
by Fclevz
Mon Jul 09, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: Fundrise vs. Vanguard REIT ETF
Replies: 16
Views: 2141

Re: Fundrise vs. Vanguard REIT ETF

Non-traded and limited monthly liquidity was as far as I needed to read. I’m out.

What’s the old saying? Don’t buy an investment that doesn’t have a price quote in the Wall Street Journal.
by Fclevz
Mon Jul 09, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: French language accounting software?
Replies: 8
Views: 523

Re: French language accounting software?

The de-facto standard Quickbooks seems to be available in a whole bunch of languages.

https://quickbooks.intuit.com/choose-country/
by Fclevz
Wed Jul 04, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: Morningstar article [Bogleheads' Guide to the Three-Fund Portfolio]
Replies: 24
Views: 1936

Re: Morningstar article [Bogleheads' Guide to the Three-Fund Portfolio]

I like John's recommendation for Vanguard to turn the three-fund portfolio into a one-fund portfolio, holding Taylor's three funds in market cap weighting in a single fund. Talk about the ultimate in simplification. Does anybody know what that would look like? https://www.bogleheads.org/forum/viewt...
by Fclevz
Mon Jun 25, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: S&P P/E Ratio
Replies: 50
Views: 3469

Re: S&P P/E Ratio

A big thing you’re missing is interest rates. Stock market pe ratios should vary inversely with bond rates. The point is that we shouldn’t view the market pe multiple in isolation, comparing it only to its own historical values; instead, it should be viewed in context of bond rates... Yep, that's w...
by Fclevz
Fri Jun 22, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 210
Views: 36307

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Always passive wrote:
Thu Jun 21, 2018 12:35 pm
IT IS OUT in paper and electronically. Check Amazon
Or, please, consider patronizing your local physical bookstore :beer
by Fclevz
Thu Jun 07, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Fixed Income investments too conservative?
Replies: 59
Views: 4266

Re: Fixed Income investments too conservative?

anoop wrote:
Wed Jun 06, 2018 9:56 pm
I'm 47 and close to 100% fixed income. I have been earning < 1% most of the last few years on my 401k...
Ouch. Over the last few years like 2016 and 2017, the inflation rate for both years was 2.1%, so, unfortunately no earnings, but rather losses in purchasing power :?
by Fclevz
Tue Jun 05, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Ishares CSJ changing index
Replies: 2
Views: 360

Re: Ishares CSJ changing index

ETF.com shows some alternatives on it's CSJ page.
by Fclevz
Fri Jun 01, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Expanding on The Rewards Of Multiple Asset Class Investing
Replies: 49
Views: 5832

Re: Expanding on The Rewards Of Multiple Asset Class Investing

1972 -2007 CAGR (per Portfolio visualizer - rebalance annually [monthly or quarterly don't seem to change much]) 100% US stocks 8.31% CAGR 15.11% StDev -50.89% Max drawdown ------------------ 33% US stocks 33% Int stocks 34% REIT 5.79% CAGR 17.85% StDev -57.97% Max drawdown ------------------- 50% ...
by Fclevz
Fri May 25, 2018 12:50 pm
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 14721

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

+1 If confiscation happened in the US you better have a fully stocked doomsday prepper pantry - ‘cause der ain’t nobody carrying cash worth any value. Confiscation doesn't mean jack-booted thugs will come to your door and take your stuff. The gentleman's way to confiscate is taxes. In 1932 the top ...
by Fclevz
Mon May 21, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total World Bond ETF
Replies: 30
Views: 4140

Re: Vanguard Announces Plans To Launch Total World Bond ETF

Pranav wrote:
Mon May 21, 2018 1:11 pm
What is the ratio of Domestic vs International in the Total Bond?
Roughly 50/50. See this thread: viewtopic.php?f=10&t=207804&start=100#p3891874
by Fclevz
Mon May 21, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total World Bond ETF
Replies: 30
Views: 4140

Re: Vanguard Announces Plans To Launch Total World Bond ETF

I bet William Sharpe is liking this. It's one more step closer to his World Bond-Stock portfolio.
by Fclevz
Mon May 21, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 13177

Re: done with Gmail

Rob5TCP wrote:
Mon May 21, 2018 9:40 am
I am looking for a service that would be more responsive if there is a problems...
I've found that to be my internet service provider. They always provide email of some sort, and, since you're paying for their service, they answer the phone and have an incentive to help you in case of problems.
by Fclevz
Mon May 21, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 13177

Re: done with Gmail

My 2FA with google was a voice message to my home phone (I would change when going on vacation). It attemps to send a text (rather than a voice message to my home phone). I am looking at alternatives with 24/7 support. It won't help you now, but for future reference, and for anyone else, you can by...
by Fclevz
Thu May 17, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 30
Views: 4702

Re: more rotten service from Vanguard

do you know that if you ACH money from Vanguard to your bank it's available once the funds hit your bank but if you ACH money to Vanguard it's not available for three days? I regularly move money from my bank to my Vanguard brokerage settlement account and there isn’t a three day delay. In fact, I ...
by Fclevz
Thu May 17, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Favorite Passively Managed Funds
Replies: 4
Views: 496

Re: Favorite Passively Managed Funds

- Vanguard Total Stock
- Vanguard Total International Stock
- Vanguard Total Bond
- Vanguard Total International Bond
- Vanguard Target Retirement funds
by Fclevz
Sat May 12, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: How can I keep track of my monthly spendings?
Replies: 36
Views: 3356

Re: How can I keep track of my monthly spendings?

How do you keep track of every deductions from your checking account?... Monthly Budget Step 1: Pay the rent, electric bill, credit card, etc. Step 2: Pay yourself by investing a target % of your paycheck. Step 3: Spend the rest of your paycheck. No need to track further details about what it’s spe...
by Fclevz
Sat May 12, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Quest for the perfect online savings bank
Replies: 18
Views: 2664

Re: Quest for the perfect online savings bank

...I should be able to link the account to my brokerage and checking accounts... The simple solution is just keep cash in your brokerage account. Who needs an extra account for a couple of tenths of a percent on a few thousand bucks? 10k? More? No need to keep too much in cash . Prime Money Market ...
by Fclevz
Sat Apr 28, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: What's wrong with this critique of indexing?
Replies: 124
Views: 9674

Re: What's wrong with this critique of indexing?

4) Yet by indexing, for every 100$ invested in the S&P500, I invest more than 3.5$ in Apple and less than one cent on News Corporation. How can this make sense? (i.e. what justifies this much bigger bet on Apple, just because it's bigger and more money is invested in it by other people?). Think of ...
by Fclevz
Wed Apr 04, 2018 9:31 am
Forum: Investing - Help with Personal Investments
Topic: SPOT [Investing in Spotify]
Replies: 45
Views: 2960

Re: SPOT [Investing in Spotify]

Spotify hasn't shown the ability to make a profit...I don't see the attraction. I also don't see the attraction. Too much focus on hope versus actual income. Spotify has actually been around for more than 10 years now. Result so far? Loss of $3 billion. I read a quote in today's newspaper from thei...
by Fclevz
Sun Mar 25, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: IVOO dramatic portfolio change?
Replies: 3
Views: 545

Re: IVOO dramatic portfolio change?

The S&P 1500 index consists of:
S&P 500 (big)
S&P 400 (mid)
S&P 600 (small)

So I would say that Morningstar’s previous numbers were incorrect, as there is no way the mid-cap index ever had 20% micro-caps, which are below even S&P’s 600 index.
by Fclevz
Sun Mar 11, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: Blocking URLs/Sites on home network for kids
Replies: 33
Views: 1925

Re: Blocking URLs/Sites on home network for kids

azurekep wrote:
Sun Mar 11, 2018 7:31 pm
squirm wrote:
Sun Mar 11, 2018 6:23 pm
Just use opendns, you can tell Windows to use that as the DNS.
Couldn't the kids just change it back to 8.8.8.8 and 8.8.4.4, or whatever DNS servers they were using before? Kids are savvy these days.
Change the DNS address on the password-protected router, not the computer.
by Fclevz
Wed Mar 07, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: How Amazon Can Blow Up Asset Management
Replies: 31
Views: 5885

Re: How Amazon Can Blow Up Asset Management

Amazon would be no different in their unethical treatment of their clients. What incentives does Amazon have to act in the best interests of their clients? None. One piece of advice from David Swensen that always resonated with me was "that there's an irreconcilable conflict in the mutual fund indu...
by Fclevz
Mon Mar 05, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: can you set vanguard to automatically invest to your assest allocation?
Replies: 6
Views: 649

Re: can you set vanguard to automatically invest to your assest allocation?

hi all, I investment my taxable account in 50/50 Total Stock market and Intermediate Term Tax Exempt. last year, all of my bi-monthly investments were easy - I put them in the bond fund to catch up to the stock fund. This year there has been more ups and downs - can you configure your vanguard acco...
by Fclevz
Sat Mar 03, 2018 11:40 pm
Forum: Personal Consumer Issues
Topic: iPhone won't ring for incoming calls
Replies: 10
Views: 1412

Re: iPhone won't ring for incoming calls

That was my first thought too; the Ring/Silent switch above the volume controls.
by Fclevz
Sat Mar 03, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: notice that fidelity password blocked
Replies: 18
Views: 1896

Re: notice that fidelity password blocked

Once you get it all straightened out, this may be a good time to strengthen your login with Fidelity’s Symantec VIP (Validation and Id Protection) random code.

https://www.fidelity.com/security/soft-tokens/overview
by Fclevz
Mon Feb 26, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: What is your credit score?
Replies: 38
Views: 2138

Re: What is your credit score?

856
878
We must be talking different alternative scores, as the traditional FICO score is 300-850.
by Fclevz
Sat Feb 24, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets or Total International Market?
Replies: 22
Views: 3595

Re: Emerging Markets or Total International Market?

Bogle has in the past suggested 50/50 developed/emerging. http://www.morningstar.com/cover/videoCenter.aspx?id=355647&%3BSR=EVZ128 I think 50% Total (US), 25% Total International, 25% EM is aggressive. Riskier than 50/50, but higher expected return. It's probably fine for someone who wants that,...
by Fclevz
Sat Feb 24, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: 3 month t-bill
Replies: 3
Views: 515

Re: 3 month t-bill

T-bills (52 weeks or less) don't pay periodic interest. Instead, you buy them at a discount, and then collect the full value when they mature.
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: 2923

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: 3453

Re: Cell phone service