Search found 279 matches

by JAZZISCOOL
Thu Nov 21, 2019 10:14 pm
Forum: Investing - Theory, News & General
Topic: Schwab acquiring TD Ameritrade
Replies: 79
Views: 6054

Re: Schwab acquiring TD Ameritrade

whodidntante wrote:
Thu Nov 21, 2019 7:01 pm
Image
LOL :thumbsup
by JAZZISCOOL
Thu Nov 21, 2019 10:53 am
Forum: Investing - Theory, News & General
Topic: Schwab acquiring TD Ameritrade
Replies: 79
Views: 6054

Re: Schwab acquiring TD Ameritrade

How is TD Bank affected? Is that included in the acquisition? They are not part of the same company anymore so has nothing to do with this acquisition. Per Barrons, the banking agreement TD has with Ameritrade through 2021 could be an issue. https://www.barrons.com/articles/charles-schwab-stock-buy...
by JAZZISCOOL
Thu Nov 21, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Meetup.com group platform: free or less-expensive alternative? (ORLANDO area & beyond)
Replies: 7
Views: 667

Re: RESOLVED: Meetup.com group platform: free or less-expensive alternative? (ORLANDO area & beyond)

Decided it was less expensive overall (my time has value) to pay for Meetup.com. It's a Platform I'm fully engaged with, like the UI, etc. Thanks for all the input. This was a Price vs Value decision. And you know what Oscar Wilde said about such things: "A cynic knows the price of everything & the...
by JAZZISCOOL
Wed Nov 20, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4806
Views: 1252482

Re: What Movie Have You Recently Watched?

The Irishman . Long and dull. The women chartacters are given absolutely nothing to do. The men are not at all interesting, although Al Pacino manages to liven up the proceedings a bit. I have seen some positive reviews about the movie, but that certainly was not my experience. FWIW, once it is ava...
by JAZZISCOOL
Wed Nov 20, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Forced to take PTO with short term disability?
Replies: 6
Views: 549

Re: Forced to take PTO with short term disability?

I believe it depends on a combination of a company's policy and possibly state laws as well. I have heard it is pretty standard to require someone to take a week of PTO/vacation first before STD kicks in. It should be in your enrollment documents.
by JAZZISCOOL
Mon Nov 18, 2019 4:51 pm
Forum: Personal Investments
Topic: Do you regret rebalancing over the last few years?
Replies: 66
Views: 5407

Re: Do you regret rebalancing over the last few years?

No, I don't regret it but that doesn't mean it is easy sometimes. From the BH Wiki, I like the sentence underlined below which illustrates the behavioral challenge IMO: "Main article: Rebalancing Over time an individual's asset allocation may change from it's original position as a result of the dif...
by JAZZISCOOL
Mon Nov 18, 2019 8:58 am
Forum: Investing - Theory, News & General
Topic: Your opinion of William Sharpe's Robo-Advisor Lock Boxes
Replies: 1
Views: 285

Re: Your opinion of William Sharpe's Robo-Advisor Lock Boxes

FYI, you may want to see this recent thread on Sharpe's lockbox e-book:

viewtopic.php?f=10&t=295249

:happy
by JAZZISCOOL
Sun Nov 17, 2019 5:11 pm
Forum: Personal Investments
Topic: need help, a few questions about Trad/Roth IRA and 401k
Replies: 13
Views: 744

Re: need help, a few questions about Trad/Roth IRA and 401k

Glad you already found the WCI website, book, etc. For intro research, there is a lot of stuff here: You may want to start here first and look at "beginning steps", etc.: https://www.bogleheads.org/wiki/Outline_of_investing Here is a good read for a "3 fund" portfolio you may want to look at. It dis...
by JAZZISCOOL
Sun Nov 17, 2019 4:05 pm
Forum: Personal Investments
Topic: Not retired at 71 [need SEP advice]
Replies: 20
Views: 1603

Re: Not retired at 71 [need SEP advice]

Hello: You may want to start here first and look at "beginning steps", etc.: https://www.bogleheads.org/wiki/Outline_of_investing Here is a good read for a "3 fund" portfolio you may want to look at. It discusses asset allocation, etc. https://www.bogleheads.org/wiki/Three-fund_portfolio I like Schw...
by JAZZISCOOL
Sun Nov 17, 2019 1:29 pm
Forum: Personal Investments
Topic: need help, a few questions about Trad/Roth IRA and 401k
Replies: 13
Views: 744

Re: need help, a few questions about Trad/Roth IRA and 401k

FYI

You may have already discovered this site, but if not, there are a lot of good articles/info for docs and other high earners (also a good podcast).

https://www.whitecoatinvestor.com/
by JAZZISCOOL
Sat Nov 16, 2019 9:02 pm
Forum: Investing - Theory, News & General
Topic: Sharpe/Stanford retirement advice
Replies: 11
Views: 1549

Re: Sharpe/Stanford retirement advice

BTW, there is another Stanford publication that defines an optimum strategy for combining social security with a risky portfolio. It's discussed here. https://www.bogleheads.org/forum/viewtopic.php?t=239258 The two approaches, however, are actually very similar. The strategy in the above study woul...
by JAZZISCOOL
Sat Nov 16, 2019 8:07 pm
Forum: Investing - Theory, News & General
Topic: Sharpe/Stanford retirement advice
Replies: 11
Views: 1549

Re: Sharpe/Stanford retirement advice

If you search BH for "lockbox" you will find some previous discussions. My wife and I retired this year (ages 58/57) with an implementation of this strategy we're comfortable with. So far, so good :wink: Our implementation. 1) Determine strategy for claiming social security benefits. 2) Buy TIPS la...
by JAZZISCOOL
Sat Nov 16, 2019 7:35 pm
Forum: Investing - Theory, News & General
Topic: Sharpe/Stanford retirement advice
Replies: 11
Views: 1549

Re: Sharpe/Stanford retirement advice

On a related topic, I found this interesting BH thread on bucket strategies from earlier this year, FYI. It mentions one academic study that shows bucket strategies having a higher failure rate vs. a more standard 60/40 portfolio with rebalancing. :happy "Bucket strategy fails according to study" ht...
by JAZZISCOOL
Sat Nov 16, 2019 5:50 pm
Forum: Investing - Theory, News & General
Topic: Sharpe/Stanford retirement advice
Replies: 11
Views: 1549

Re: Sharpe/Stanford retirement advice

Although I didn't read Sharpe's e-book, I did review a layperson's view of it. It seems to be a version of the "bucketing" approach that I sometimes see mentioned on BH. The allocations in each year of the standard 20-year retirement (@ age 65) are a mix of TIPS and the market portfolio (probably so...
by JAZZISCOOL
Sat Nov 16, 2019 10:15 am
Forum: Investing - Theory, News & General
Topic: What happened to FXNAX during 2008?
Replies: 24
Views: 1099

Re: What happened to FXNAX during 2008?

Does anybody have data/info what happened to US Bond Index Fund in 2008? Don't have data of Fidelity TB index performance, but Vanguard's fund, VBMFX, was up 5% in 2008. Paul Yes, and Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) in 2008 was +5.15% while the category average was -4.7...
by JAZZISCOOL
Sat Nov 16, 2019 10:09 am
Forum: Investing - Theory, News & General
Topic: What happened to FXNAX during 2008?
Replies: 24
Views: 1099

Re: What happened to FXNAX during 2008?

This thread is ONE REASON WHY I come to Bogleheads. Simple personal errors I made........JUST realized as my wife and I are starting to consider bonds in our portfolio we've been putting into FTBFX versus FXNAX (active vs. index) in our Solo401k this year. WHOOPS! If we had a Financial GPS on the d...
by JAZZISCOOL
Sat Nov 16, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: What happened to FXNAX during 2008?
Replies: 24
Views: 1099

Re: What happened to FXNAX during 2008?

Just to point out a curiosity...Fidelity says the fund inception date was in 1990 and the share class inception was 2011. https://fundresearch.fidelity.com/mutual-funds/composition/316146356 Not sure how that can be since I recall they did not have a total bond index fund during the last unpleasant...
by JAZZISCOOL
Sat Nov 16, 2019 9:12 am
Forum: Investing - Theory, News & General
Topic: What happened to FXNAX during 2008?
Replies: 24
Views: 1099

Re: What happened to FXNAX during 2008?

youngpleb wrote:
Sat Nov 16, 2019 8:37 am
Doesn't look like FxNAX was a thing until 2011, but I'd imagine it would have performed the same as any other total bond index--dropping slightly in value but then surging.
Agree. Inception date was May 2011 per Schwab.
by JAZZISCOOL
Thu Nov 14, 2019 6:25 pm
Forum: Investing - Theory, News & General
Topic: Bond Sectors - JP Morgan Fixed Income Asset Allocation Portfolio?
Replies: 11
Views: 992

Re: Bond Sectors - JP Morgan Fixed Income Asset Allocation Portfolio?

PS - If inclined, one can invest in JP Morgan's (active) core bond fund for 75 basis points; it is only rated 3 / 5 stars by Morningstar for all periods. If you want to hire JP Morgan to manage your bonds, for a bit less there is JP Morgan Income Fund Class I (JMSIX). Current net ER 0.4% (gross is ...
by JAZZISCOOL
Thu Nov 14, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: RSS Reader Question
Replies: 12
Views: 774

Re: RSS Reader Question

Thanks for all of the comments. :happy
by JAZZISCOOL
Thu Nov 14, 2019 2:51 pm
Forum: Investing - Theory, News & General
Topic: Why would a CPFA recommend high fee funds?
Replies: 37
Views: 1481

Re: Why would a CPFA recommend high fee funds?

I would definitely voice concern to HR, etc. I did. HR is asking me to talk to this guy about what I recommend. I'm sure he will say my low fee funds are no good. You can discuss with them this great 2007 post by Taylor Larimore (Advisory Board member): Taylor Larimore Advisory Board Posts: 28375 J...
by JAZZISCOOL
Thu Nov 14, 2019 2:06 pm
Forum: Investing - Theory, News & General
Topic: Why would a CPFA recommend high fee funds?
Replies: 37
Views: 1481

Re: Why would a CPFA recommend high fee funds?

A CPFA has selected funds with mostly high fees in my employer's 457 plan. Why would he do this and is there any recourse? My employer pays a company to select our fund choices. Empower retirement says my employer can pick any fund it wants. Here are the options in my 457. All have high fees beside...
by JAZZISCOOL
Wed Nov 13, 2019 9:27 pm
Forum: Investing - Theory, News & General
Topic: Bond Sectors - JP Morgan Fixed Income Asset Allocation Portfolio?
Replies: 11
Views: 992

Re: Bond Sectors - JP Morgan Fixed Income Asset Allocation Portfolio?

JP Morgan has some excellent analytics but at its core is an active management shop (and is part of a large banking complex). They also own/developed a series of bond indices which is a revenue source (some emerging markets): https://www.jpmorgan.com/country/US/EN/jpmorgan/investbk/solutions/researc...
by JAZZISCOOL
Wed Nov 13, 2019 8:47 pm
Forum: Investing - Theory, News & General
Topic: Eric Balchunas, Senior ETF Analyst at Bloomberg is my guest on this "Bogleheads on Investing" podcast.
Replies: 18
Views: 1707

Re: Eric Balchunas, Senior ETF Analyst at Bloomberg is my guest on this "Bogleheads on Investing" podcast.

Most telling comment was Mr Balchunas suggesting why advisors dislike all-in-one ETFs. They earn their fee by decrying active stock picking but then go to town on the "factor soup". Yes, I also thought that was interesting. I think "career preservation" is a common motivation for people in many ind...
by JAZZISCOOL
Tue Nov 12, 2019 11:31 pm
Forum: Personal Investments
Topic: Advice needed for unusual financial situation
Replies: 19
Views: 2865

Re: Advice needed for unusual financial situation

I don't know if I would put money in a high yield risk bond fund if I was struggling for income. You get a higher yield due to risk. My first google search gave me this: "High-yield bond funds invest in "junk" bonds—lower credit quality corporate bonds that carry a higher-than-market yield.Investor...
by JAZZISCOOL
Tue Nov 12, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Is anyone else getting bogus subscriptions on Prime?
Replies: 12
Views: 824

Re: Is anyone else getting bogus subscriptions on Prime?

Yeah I just go through disputing on both ends, Amazon and credit card. But is this some new business model for the publishing industry? I wouldn't mind a free WaPo subscription tho.. This sounds like either a system error or a mistaken "click" on your part. It is patently illegal to charge folks fo...
by JAZZISCOOL
Tue Nov 12, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Is anyone else getting bogus subscriptions on Prime?
Replies: 12
Views: 824

Re: Is anyone else getting bogus subscriptions on Prime?

I subscribed to my "free" WaPo subscription with Prime but it never appeared in my account. I haven't followed up on it yet, however. Another BH posted about this which is why I tried it.
by JAZZISCOOL
Tue Nov 12, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Outlook email PST file is corrupt, need advice
Replies: 17
Views: 1264

Re: Outlook email PST file is corrupt, need advice

Hi RetiredAL:

Thanks for your detailed response above about my Outlook archiving question above. I will give your suggestions a try!

:happy
by JAZZISCOOL
Mon Nov 11, 2019 8:43 pm
Forum: Investing - Theory, News & General
Topic: Schwab to allow fractional stock trading (WSJ)
Replies: 37
Views: 4613

Re: Schwab to allow fractional stock trading (WSJ)

Per an article on ETF.com , Schwab's plan to allow fractional stock trading does not include ETFs, only individual stocks: When ETF.com reached out to Schwab for comment, company spokesperson Erin Montgomery said in an email that while fractional stock trading should debut sometime in 2020, the com...
by JAZZISCOOL
Mon Nov 11, 2019 8:18 pm
Forum: Personal Consumer Issues
Topic: Outlook email PST file is corrupt, need advice
Replies: 17
Views: 1264

Re: Outlook email PST file is corrupt, need advice

Hello, I have a related Outlook question. A wise BH may know the answer.... I use Outlook through MS Office Home and Business 2016 (pc based version; laptop is fairly new from 2018). It becomes unresponsive once in a while and I think it is because I have a number of folders/emails. I believe there ...
by JAZZISCOOL
Mon Nov 11, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs, SECURE Act]
Replies: 89
Views: 4860

SECURE Act - Passage by Congress in 2019 looks more doubtful

[Thread merged into here, see below. --admin LadyGeek] According to this article in P & I, the SECURE Act looks more doubtful for passage by Congress in 2019 and may be difficult in an election year: https://www.pionline.com/washington/secure-act-passage-hopes-fade-congress-hesitates The article di...
by JAZZISCOOL
Sun Nov 10, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: RSS Reader Question
Replies: 12
Views: 774

Re: RSS Reader Question

Thanks for all the suggestions! I have quite a few to check out. :beer
by JAZZISCOOL
Sun Nov 10, 2019 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: New Job, Depressed, Money issues
Replies: 89
Views: 11702

Re: New Job, Depressed, Money issues

Yes, waiting on my appointment with my therapist and my primary care doctor, give me some evaluation and referred me to see a psychiatrist - I am waiting on insurance HMO approval. thanks for your support I think that you have to use your intuition in life sometimes, in addition to your logic. And ...
by JAZZISCOOL
Sun Nov 10, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: New Job, Depressed, Money issues
Replies: 89
Views: 11702

Re: New Job, Depressed, Money issues

I think that you have to use your intuition in life sometimes, in addition to your logic. And you need to take care of yourself. Everyone has to make their own personal decisions that work for them. It sounds like the current job was causing too much stress and depression based on what you wrote so ...
by JAZZISCOOL
Sun Nov 10, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: RSS Reader Question
Replies: 12
Views: 774

RSS Reader Question

Hi BH's, I didn't see any recent posts regarding the best RSS readers. Do BH's use these very often? If so, which are the best ones to try? They seem to simplify news feeds, etc. I know they have been around for awhile and thought this would be a good forum to get current feedback. Thanks! :happy
by JAZZISCOOL
Sun Nov 10, 2019 3:15 pm
Forum: Personal Investments
Topic: Fidelity vs Vanguard vs Schwab vs TD vs Etrade vs Merril
Replies: 32
Views: 1938

Re: Fidelity vs Vanguard vs Schwab vs TD vs Etrade vs Merril

I can provide insight on Schwab and Vanguard primarily. Schwab has a lot more features I find to be very useful. Other than low cost passive ETF’s and MF’s, I especially like their performance reporting which allows you to check separate accounts for performance or to combine accounts and look at th...
by JAZZISCOOL
Sat Nov 09, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: Website for Honeywell Thermostat parts?
Replies: 13
Views: 430

Re: Website for Honeywell Thermostat parts?

If you are talking about a thermostat that goes on the wall of your living room, then replace it yourself. $26 will get you a programmable one. Yes, this is it. The costs are low enough that it makes sense to replace it (and utility offers a rebate on a couple models). I then just need to figure ou...
by JAZZISCOOL
Sat Nov 09, 2019 7:33 pm
Forum: Personal Consumer Issues
Topic: Website for Honeywell Thermostat parts?
Replies: 13
Views: 430

Re: Website for Honeywell Thermostat parts?

If you are talking about a thermostat that goes on the wall of your living room, then replace it yourself. $26 will get you a programmable one. Yes, this is it. The costs are low enough that it makes sense to replace it (and utility offers a rebate on a couple models). I then just need to figure ou...
by JAZZISCOOL
Sat Nov 09, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Website for Honeywell Thermostat parts?
Replies: 13
Views: 430

Re: Website for Honeywell Thermostat parts?

If you are talking about a thermostat that goes on the wall of your living room, then replace it yourself. $26 will get you a programmable one. Yes, this is it. The costs are low enough that it makes sense to replace it (and utility offers a rebate on a couple models). I then just need to figure ou...
by JAZZISCOOL
Sat Nov 09, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Website for Honeywell Thermostat parts?
Replies: 13
Views: 430

Re: Website for Honeywell Thermostat parts?

Repair Clinic has nearly everything, so if they don't have it, and you don't find it via Google, then you're likely OOL. Just as an FYI, many utilities offer rebates to upgrade to a WiFi thermostat. Several years ago I put in two new WiFi thermostats, spending $95 each, and getting $100 each back f...
by JAZZISCOOL
Sat Nov 09, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: Website for Honeywell Thermostat parts?
Replies: 13
Views: 430

Re: Website for Honeywell Thermostat parts?

Repair Clinic has nearly everything, so if they don't have it, and you don't find it via Google, then you're likely OOL. Just as an FYI, many utilities offer rebates to upgrade to a WiFi thermostat. Several years ago I put in two new WiFi thermostats, spending $95 each, and getting $100 each back f...
by JAZZISCOOL
Sat Nov 09, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Website for Honeywell Thermostat parts?
Replies: 13
Views: 430

Website for Honeywell Thermostat parts?

Hi BH's: Does anyone know of a good website to shop for replacement parts for an older Honeywell thermostat? Honeywell's website no longer carries the part I need (nor does Repair Clinic website). I've seen several Honeywell thermostats on Ebay but it's for the entire unit, not just parts. I have th...
by JAZZISCOOL
Sat Nov 09, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Disability and Financial Independence - Drop Coverage?
Replies: 25
Views: 1151

Re: Long Term Disability and Financial Independence - Drop Coverage?

IMO, it makes sense to keep the LTD policy while you are still at this job. It sounds pretty reasonable as others have noted.
by JAZZISCOOL
Sat Nov 09, 2019 2:14 pm
Forum: Investing - Theory, News & General
Topic: Morningstar percentile rank - VTSAX, VBAIX, VIIIX etc
Replies: 21
Views: 1340

Re: Morningstar percentile rank - VTSAX, VBAIX, VIIIX etc

Yes, Morningstar would have been better off just calling it “rank”, which is what I think they are really going for. Yes, it can be confusing. I actually like quartile rankings vs. percentiles since it is more intuitive to consider 4 categories: top, above median, below median and bottom. :beer
by JAZZISCOOL
Sat Nov 09, 2019 1:26 pm
Forum: Investing - Theory, News & General
Topic: Morningstar percentile rank - VTSAX, VBAIX, VIIIX etc
Replies: 21
Views: 1340

Re: Morningstar percentile rank - VTSAX, VBAIX, VIIIX etc

All of you have part of the correct story: VIIIX consistently ranks in the top quartile, and M* is using the term “percentile” wrong. No one else (to my knowledge) is using percentile the way M* is. For example, a test score that is greater than 75% of the scores of people taking the test is said t...
by JAZZISCOOL
Sat Nov 09, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 152
Views: 53870

Re: WSJ Digital Subscription - a bargain!

Hockey10 wrote:
Sat Nov 09, 2019 12:37 pm
FYI - WSJ online version is free from Nov 9 - 11.
Yay! Thanks to both BH's who posted this.
by JAZZISCOOL
Sat Nov 09, 2019 1:13 pm
Forum: Investing - Theory, News & General
Topic: Morningstar percentile rank - VTSAX, VBAIX, VIIIX etc
Replies: 21
Views: 1340

Re: Morningstar percentile rank - VTSAX, VBAIX, VIIIX etc

...I have access to VIIIX in tax deferred and currently use it, though it seems to be lingering around the bottom quartile the past X years... I think you're misreading it. It's been in the TOP quartile the past several years... look at the little shaded picture in the "Quartile Rank" line. This is...
by JAZZISCOOL
Sat Nov 09, 2019 1:10 pm
Forum: Investing - Theory, News & General
Topic: Eric Balchunas, Senior ETF Analyst at Bloomberg is my guest on this "Bogleheads on Investing" podcast.
Replies: 18
Views: 1707

Re: Eric Balchunas, Senior ETF Analyst at Bloomberg is my guest on this "Bogleheads on Investing" podcast.

Most telling comment was Mr Balchunas suggesting why advisors dislike all-in-one ETFs. They earn their fee by decrying active stock picking but then go to town on the "factor soup". Yes, I also thought that was interesting. I think "career preservation" is a common motivation for people in many ind...
by JAZZISCOOL
Sat Nov 09, 2019 11:53 am
Forum: Investing - Theory, News & General
Topic: Morningstar percentile rank - VTSAX, VBAIX, VIIIX etc
Replies: 21
Views: 1340

Re: Morningstar percentile rank - VTSAX, VBAIX, VIIIX etc

...I have access to VIIIX in tax deferred and currently use it, though it seems to be lingering around the bottom quartile the past X years... I think you're misreading it. It's been in the TOP quartile the past several years... look at the little shaded picture in the "Quartile Rank" line. This is...
by JAZZISCOOL
Sat Nov 09, 2019 11:36 am
Forum: Personal Investments
Topic: Talk Me Off the Active Investing Ledge!
Replies: 58
Views: 3537

Re: Talk Me Off the Active Investing Ledge!

Another data point:

United States
Percentage of Large-Cap funds that underperformed the S&P 500®

Data as of Dec 31, 2018

Five-Year
82.14%

Three-Year
78.98%

One-Year
64.49%

Source: S&P Dow Jones Indices