Search found 109 matches

by Cheez-It Guy
Sat Sep 21, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: Boglehead Dating
Replies: 6
Views: 779

Re: Boglehead Dating

Boglehead Singles?

We just need an app for that.

I’m about to turn 36. Not currently disturbed by that, though.
by Cheez-It Guy
Sat Sep 21, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement - not worry about withdrawal rate, but focus on portfolio size?
Replies: 42
Views: 2948

Re: Early retirement - not worry about withdrawal rate, but focus on portfolio size?

We're considering early semi retirement and are our 30's. ... Thoughts, especially from those who very early retired? ... Software development and IT. I would continue to work part-time (semi retired) and my spouse would quit all together (she climbed the corporate ladder). She might do some hobby ...
by Cheez-It Guy
Wed Sep 18, 2019 6:54 am
Forum: Investing - Theory, News & General
Topic: Index funds take US lead in assets
Replies: 22
Views: 1649

Re: Index funds take US lead in assets

Couldn’t it be as simple as offering index fund shareholders the opportunity to vote by proxy? Not that that would be so simple in practice, and a minority would actually utilize it, but you’d have the option. You could choose to vote only for certain holding on issues of interest. Certainly, I’m no...
by Cheez-It Guy
Wed Sep 18, 2019 6:29 am
Forum: Investing - Theory, News & General
Topic: Index funds take US lead in assets
Replies: 22
Views: 1649

Re: Index funds take US lead in assets

Any ideas about how they might go about that?
by Cheez-It Guy
Tue Sep 17, 2019 4:03 pm
Forum: Investing - Theory, News & General
Topic: Buying the Dow as a super-low-cost index strategy?
Replies: 36
Views: 3084

Re: Buying the Dow as a super-low-cost index strategy?

Keep in mind that tracking error can be on either side of the benchmark, so it wouldn’t always be a loss, necessarily.
by Cheez-It Guy
Tue Sep 17, 2019 5:38 am
Forum: Investing - Theory, News & General
Topic: Buying the Dow as a super-low-cost index strategy?
Replies: 36
Views: 3084

Re: Buying the Dow as a super-low-cost index strategy?

So you want to trade the tiny expense ratio of a broadly-diversified index fund for 30 individual stock trade fees every time you want to buy or sell? Sounds like an excellent plan! 0.04% x $4000 = $1.60 30 x $4.95 = $148.50 $148.50 / $1.60 = 93 years of expenses That's just an issue of scale, thou...
by Cheez-It Guy
Sun Sep 15, 2019 8:05 pm
Forum: Personal Investments
Topic: comparing expenses
Replies: 7
Views: 568

Re: comparing expenses

The funds don’t have identical returns exclusive of the expense ratio.
by Cheez-It Guy
Sun Sep 15, 2019 8:03 pm
Forum: Investing - Theory, News & General
Topic: Firstrade is hacked by HackerOne
Replies: 8
Views: 1693

Re: Firstrade is hacked by HackerOne

I'm willing to bet any sum of money that every broker has security vulnerabilities. This is a non-story. My wife works at a pretty large data security firm (in sales). If people only knew who their ethical hackers have gotten into. Is that usually due to a legitimate hack and security vulnerability...
by Cheez-It Guy
Sun Sep 15, 2019 7:41 pm
Forum: Personal Investments
Topic: Portfolio Recommendation For My Sister
Replies: 19
Views: 1250

Re: Portfolio Recommendation For My Sister

If she is still working (has earned income), why wouldn’t you move $7000 each year into a Roth IRA with the same investment vehicle(s)?
by Cheez-It Guy
Sun Sep 15, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 8541

Re: Do You Tip At Counter Service Restaurants?

I vote all future tipping threads be immediately locked.
by Cheez-It Guy
Sun Sep 15, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Senior fell in major store
Replies: 25
Views: 3045

Re: Senior fell in major store

If things go your way, you might be set for life!

https://youtu.be/IcLbHUBoDpI
by Cheez-It Guy
Sun Sep 15, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: Senior fell in major store
Replies: 25
Views: 3045

Re: Senior fell in major store

I’m sorry you fell and hope you have a speedy recovery. This is a growing concern for me as my parents age.

If there was no negligence on the part of the store leading to your fall and if it was purely an accident, please don’t be one of those people who sues for some ridiculous amount.
by Cheez-It Guy
Sun Sep 15, 2019 8:59 am
Forum: Investing - Theory, News & General
Topic: Buying the Dow as a super-low-cost index strategy?
Replies: 36
Views: 3084

Re: Buying the Dow as a super-low-cost index strategy?

I mean, can’t you do the same thing with any ETF and the iOS stocks app? Doesn’t have to be S&P 500.
by Cheez-It Guy
Sun Sep 15, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Stubborn water spots on car paint - help!
Replies: 12
Views: 660

Re: Stubborn water spots on car paint - help!

I’ve never even washed my car. 2.5 years so far. Looks fine.
by Cheez-It Guy
Sun Sep 15, 2019 6:50 am
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4266

Re: Best Dog Car?

Image

Image
by Cheez-It Guy
Sat Sep 14, 2019 6:05 pm
Forum: Investing - Theory, News & General
Topic: Central banks drive income seeking investors to equities
Replies: 34
Views: 1785

Re: Central banks drive income seeking investors to equities

abuss368 wrote:
Fri Sep 13, 2019 10:20 pm
Remember the days of savings accounts yielding 5.00% plus?
No. I’m 35.
by Cheez-It Guy
Sat Sep 14, 2019 3:09 pm
Forum: Investing - Theory, News & General
Topic: Buying the Dow as a super-low-cost index strategy?
Replies: 36
Views: 3084

Re: Buying the Dow as a super-low-cost index strategy?

And what about when the DJIA changes composition? What about keeping track of splits and reverse splits?
by Cheez-It Guy
Sat Sep 14, 2019 2:57 pm
Forum: Investing - Theory, News & General
Topic: Buying the Dow as a super-low-cost index strategy?
Replies: 36
Views: 3084

Re: Buying the Dow as a super-low-cost index strategy?

So you want to trade the tiny expense ratio of a broadly-diversified index fund for 30 individual stock trade fees every time you want to buy or sell? Sounds like an excellent plan!

0.04% x $4000 = $1.60
30 x $4.95 = $148.50
$148.50 / $1.60 = 93 years of expenses
by Cheez-It Guy
Wed Sep 11, 2019 6:29 pm
Forum: Personal Investments
Topic: Hold Physical Cash if Rates Go Negative?
Replies: 39
Views: 4871

Re: Hold Physical Cash if Rates Go Negative?

MotoTrojan wrote:
Wed Sep 11, 2019 2:27 pm
A money market fund could maintain it's daily value of $1 but instead of paying interest, deduct a holding-fee interest payment every month.
Has this ever happened? I’m guessing not in the US, but I know some funds have broken the buck.
by Cheez-It Guy
Wed Sep 11, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 45
Views: 3319

Re: Equifax breach settlement update?

It was just typed in. Don’t forget the weasel words, “up to”.
by Cheez-It Guy
Wed Sep 11, 2019 6:33 am
Forum: Personal Consumer Issues
Topic: Did I commit a tipping faux pas?
Replies: 99
Views: 10828

Re: Did I commit a tipping faux pas?

^^Well taken. As I’ve stated previously elsewhere, I DO tip an amount that I feel is beyond reproach in situations that unfortunately demand it, but expanding the base of activities that require or expect tipping as many seem happy to do is actively harming the system for the consumer. Employers qui...
by Cheez-It Guy
Wed Sep 11, 2019 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 45
Views: 3319

Re: Equifax breach settlement update?

I don’t care if my check is for 12 cents like Jerry’s royalty checks from the Super Terrific Happy Hour Show in Japan — they’re going to pay me. It would almost be fitting if the amount of the check was less than the postage to mail it to me. And I’m going to cash it.
by Cheez-It Guy
Wed Sep 11, 2019 6:00 am
Forum: Personal Consumer Issues
Topic: Did I commit a tipping faux pas?
Replies: 99
Views: 10828

Re: Did I commit a tipping faux pas?

If you don’t want to tip a very appreciative hotel maid a dollar or two a day for personalized service to you as a job well done, then don’t. That’s your choice. I realize we’ve already had some discussion on this in another thread, and that opinions on either side are probably unlikely to change, ...
by Cheez-It Guy
Tue Sep 10, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to update online VG account with cost basis for non-covered shares?
Replies: 6
Views: 329

Re: How to update online VG account with cost basis for non-covered shares?

Perhaps if you get audited. The rule change put the record-keeping and reporting burden on the broker rather than the investor. That’s what changed. The broker (Vanguard in the case of the OP) adheres to this, but only for shares acquired after the effective date. Before that, it’s your responsibili...
by Cheez-It Guy
Tue Sep 10, 2019 7:55 pm
Forum: Personal Consumer Issues
Topic: Update and Advice Needed Re: Any Recourse for Poor Contractor Work (A/C Installation)
Replies: 42
Views: 2794

Re: Any Recourse for Poor Contractor Work (A/C Installation)

According to some other topics I’ve recently read, slightly reduce how much you tip them to demonstrate your displeasure.
by Cheez-It Guy
Tue Sep 10, 2019 7:17 pm
Forum: Personal Investments
Topic: Hold Physical Cash if Rates Go Negative?
Replies: 39
Views: 4871

Re: Hold Physical Cash if Rates Go Negative?

But the yield curve is inverted.
by Cheez-It Guy
Tue Sep 10, 2019 7:09 pm
Forum: Personal Investments
Topic: Hold Physical Cash if Rates Go Negative?
Replies: 39
Views: 4871

Re: Hold Physical Cash if Rates Go Negative?

Couldn’t you just hold money market funds instead of physical cash? They might not yield anything, but if they go negative, doesn’t that mean they “break the buck”, which could have other implications?
by Cheez-It Guy
Tue Sep 10, 2019 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to update online VG account with cost basis for non-covered shares?
Replies: 6
Views: 329

Re: How to update online VG account with cost basis for non-covered shares?

I have asked Vanguard this specific question several times for myself. Unfortunately for you (and for me), they do not allow this for mutual fund shares acquired before 2012. For individual stocks, they will load cost basis upon request. They still have the transaction history on your mutual funds f...
by Cheez-It Guy
Tue Sep 10, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Costco washer/dryer delivery: tipping?
Replies: 54
Views: 3790

Re: Costco washer/dryer delivery: tipping?

My previous post is being misconstrued in several ways. The comment about math is essentially true for manually calculating tips based on the bill and trying to add up the correct total at a time when your party is trying to wrap up and leave the restaurant, but it is really meant as a nod to a Curb...
by Cheez-It Guy
Sun Sep 08, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Costco washer/dryer delivery: tipping?
Replies: 54
Views: 3790

Re: Costco washer/dryer delivery: tipping?

If you don’t have money to tip, don’t tip. I’m thankful I’ve done well (in no small part thanks to do wise investing) and am thankful I can be generous to tip workers who make my life easier. It makes a bigger difference to most of them than many can imagine. It's not about not having the money. It...
by Cheez-It Guy
Sun Sep 08, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Costco washer/dryer delivery: tipping?
Replies: 54
Views: 3790

Re: Costco washer/dryer delivery: tipping?

Why are some of you going out of your way to perpetuate this ridiculous culture of tipping? I’m an American and have always been one, and I hate this cultural practice. It’s so stupid! Making people do math in sometimes stressful and often hurried situations, making people constantly second guess an...
by Cheez-It Guy
Mon Sep 02, 2019 7:14 am
Forum: Personal Consumer Issues
Topic: How to repair drywall damaged by water leak
Replies: 17
Views: 1322

Re: How to repair drywall damaged by water leak

What color are the ceiling and walls painted? If the staining is somewhat small and the surfaces are white, try dabbing on bleach with a rag or paper towel (diluted to half strength if you like) to the affected areas. You’ll probably have to repeat several times. It’s worked wonders for me for a cei...
by Cheez-It Guy
Fri Aug 30, 2019 3:53 pm
Forum: Investing - Theory, News & General
Topic: Today the S&P was up and VOO was down
Replies: 12
Views: 1527

Re: Today the S&P was up and VOO was down

Incorrect. Both were up at close.

EDIT: Well, now I see that the topic and content has been changed. Disregard.
by Cheez-It Guy
Tue Aug 27, 2019 10:00 pm
Forum: Personal Consumer Issues
Topic: Passport Photos
Replies: 27
Views: 1992

Re: Passport Photos

Just had mine done at CVS this afternoon. $13.90 total out the door for two photos with $2.00 off coupon online. Obviously not the cheapest, but took 5 minutes, and was directly on my commute home. Plus, company pays.
by Cheez-It Guy
Sun Aug 25, 2019 8:32 pm
Forum: US Chapters
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 147
Views: 13029

Re: To Avatar or Not - Get One? How did you choose?

I like Cheez-Its. I like cycling. I have a Cheez-It cycling jersey. I wore said jersey in a metric century ride that had Cheez-Its at the post-ride feed. Everything came together! I am Cheez-It Guy. However, I didn't realize when I registered the name that there is another user on here called cheezi...
by Cheez-It Guy
Sun Aug 25, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Are pet-proof carpets worth the extra $$ ?
Replies: 18
Views: 974

Re: Are pet-proof carpets worth the extra $$ ?

From your own descriptions, it sounds like it isn’t worth it. However, pets can become incontinent as they get older, so even if they don’t urinate on the carpet now, perhaps future accidents as they age or accidents by young replacement pets should factor into your consideration.
by Cheez-It Guy
Sun Aug 25, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Alumni donations to help children get into college
Replies: 64
Views: 5368

Re: Alumni donations to help children get into college

My point was not really about any sinister intentions. Most everyone does it out of love for their children and / or the school, but for every child that gets preferential treatment because of parental money, another child from more modest means is unintentionally unfairly disadvantaged. Kids coming...
by Cheez-It Guy
Sun Aug 25, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Alumni donations to help children get into college
Replies: 64
Views: 5368

Re: Alumni donations to help children get into college

I read the request from the topic author, but with respect, kids should get in of their own merit, not because their parents have money and perceived influence. We’re supposed to be a meritocracy, not some dynastic culture. How much does it really even matter where someone goes for undergraduate stu...
by Cheez-It Guy
Sun Aug 25, 2019 11:14 am
Forum: Personal Investments
Topic: Vanguard Settlement fund - direct deposit?
Replies: 6
Views: 848

Re: Vanguard Settlement fund - direct deposit?

When you have a zero balance in the fund, it will disappear within the next full trading day, I believe. Historical transaction data will still be available, and if you ever re-buy, your balance history in that holding will be retained (with an appropriate gap where you had a zero balance).
by Cheez-It Guy
Sun Aug 25, 2019 11:09 am
Forum: Personal Investments
Topic: Close Vanguard and go all in with Fidelity?
Replies: 107
Views: 11730

Re: Close Vanguard and go all in with Fidelity?

I use both. However, the Vanguard website is dreadful. I frequently see this sort of comment about the Vanguard website, but personally prefer the Vanguard site I am an old guy (74) so maybe my standards are low. I am not trying to start an argument, but wonder what features other websites have tha...
by Cheez-It Guy
Sat Aug 24, 2019 2:23 pm
Forum: Personal Investments
Topic: Vtsax calculation
Replies: 13
Views: 1197

Re: Vtsax calculation

In 2003, didn’t VTSAX have a $50,000 minimum or something for admiral shares? The initial purchase was VTSMX and was converted to admiral shares at some point. The different share classes didn’t maintain the same NAVs per share. When you switch share classes, there is a conversion factor that comes ...
by Cheez-It Guy
Sat Aug 24, 2019 1:32 pm
Forum: Investing - Theory, News & General
Topic: "Converting Vanguard Mutual Funds To ETFs"
Replies: 29
Views: 3613

Re: "Converting Vanguard Mutual Funds To ETFs"

I’m waiting until they hopefully support fractional shares (other than dividend reinvestment) and some form of automatic investment in ETFs. It also would be nice if they could find a way to allow conversion of VBTLX to BND (Total Bond) without liquidation, especially since I now have capital gains ...
by Cheez-It Guy
Sat Aug 24, 2019 6:34 am
Forum: Investing - Theory, News & General
Topic: Anybody else's Fidelity accounts zeroed out?
Replies: 44
Views: 4483

Re: Anybody else's Fidelity accounts zeroed out?

Waiting for the Barron’s article. . .

Fair is fair.
by Cheez-It Guy
Sat Aug 24, 2019 4:56 am
Forum: Investing - Theory, News & General
Topic: Anybody else's Fidelity accounts zeroed out?
Replies: 44
Views: 4483

Re: Anybody else's Fidelity accounts zeroed out?

That’s it! I’m moving everything to Vanguard. Get it together, Fidelity!