Search found 3320 matches

by edge
Sun May 19, 2019 12:02 am
Forum: Personal Investments
Topic: Fidelity International Fund Choice?
Replies: 6
Views: 648

Re: Fidelity International Fund Choice?

I use Fidelity® Global ex U.S. Index Fund FSGGX in a 401k. It is an ACWI ex US index fund with a 0.055 ER. If I had the option I would use FTIHX as it has small cap exposure.
by edge
Sun May 12, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can we really afford $1.25M house?
Replies: 44
Views: 5612

Re: Can we really afford $1.25M house?

I’m not even sure it makes sense to drive a high end car into the ground. The maintenance gets crazy.

I lease the cars that I know will be a maintenance cost nightmare eg Benz, bmw, JLR, etc.

Anyway you can probably afford the house. Depends on how stable your company is.
by edge
Sun May 05, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Compensation negotiation strategy (rocket ship tech)
Replies: 27
Views: 3395

Re: Compensation negotiation strategy (rocket ship tech)

It’s pretty off color to ask the company to compensate you because people who joined before you enjoyed more of a positive run on the stock. It’s 50:50 after 6 months of you will be categorized as ‘too new’, or not. I suggest you highlight your contributions to try to shed the ‘too new’ designation....
by edge
Sun May 05, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Lawn experts? - roots showing up above ground
Replies: 9
Views: 1253

Re: Lawn experts? - roots showing up above ground

Agree with above poster. Create a bed around the tree, eg mulch
by edge
Sun May 05, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Realistic Comp Increase with Doubling Job Responsibilities
Replies: 37
Views: 2257

Re: Realistic Comp Increase with Doubling Job Responsibilities

I guess i don’t understand a job where you have 1 direct report. I wouldn’t expect much of an increase for going from a strange sort of non management job to a small management job where your span of control is still barely legitimate. Maybe small increases to variable. In any case, the more signifi...
by edge
Sat May 04, 2019 12:58 pm
Forum: Investing - Theory, News & General
Topic: What index is AOA tracking?
Replies: 7
Views: 667

Re: What index is AOA tracking?

The below information is false. These funds are as 'tactical' as the VG lifestrategy or target retirement funds (which also get adjusted from time to time in ways unrelated to 'tactical asset allocation'). I own AOR (as an investment to educate my children) mostly because VG has not yet (will ever?)...
by edge
Thu May 02, 2019 7:28 am
Forum: Investing - Theory, News & General
Topic: VCTXX currently yields 1.9%
Replies: 5
Views: 639

Re: VCTXX currently yields 1.9%

Grt2bOutdoors wrote:
Wed May 01, 2019 12:38 pm
About 18% of fund is investing in AMT eligible securities. Higher yield, higher risk, more tax for you.
Its not clear how relevant AMT is to most high earners these days. Deductions, due to the SALT situation, have been reduced dramatically.
by edge
Sun Apr 21, 2019 11:16 pm
Forum: Investing - Theory, News & General
Topic: Is diversification the point of factor investing?
Replies: 56
Views: 3077

Re: Is diversification the point of factor investing?

Both. Supposedly.
Random Walker wrote:
Sun Apr 21, 2019 5:22 pm
edge wrote:
Sun Apr 21, 2019 5:06 pm
The point is a free trip to the dessert cart.
Is that free trip at the individual investment level or the portfolio level?

Dave
by edge
Sun Apr 21, 2019 5:06 pm
Forum: Investing - Theory, News & General
Topic: Is diversification the point of factor investing?
Replies: 56
Views: 3077

Re: Is diversification the point of factor investing?

The point is a free trip to the dessert cart.
by edge
Sun Apr 21, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Is Crown Molding Out-of-Style?
Replies: 46
Views: 4538

Re: Is Crown Molding Out-of-Style?

Unless contemporary in style, most all high end homes have wood trim - around windows, doors, crown and/or wainscot. The higher end the home, usually the more elaborate the trim - going all the way to plaster and hand carved wood. inexpensive homes do not have wood trim because it is expensive. Also...
by edge
Sun Apr 07, 2019 12:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans to Launch Commodities Fund
Replies: 148
Views: 12772

Re: Vanguard Announces Plans to Launch Commodities Fund

Jeez. Can’t they come out with ETFs for the life strategy funds instead of adding these esoteric things?
by edge
Fri Apr 05, 2019 11:23 am
Forum: Personal Investments
Topic: BofA / Merrill Edge is [Tempting me to] Switch from Vanguard
Replies: 49
Views: 4485

Re: BofA / Merrill Edge is Making Me Switch from Vanguard

Is there a web page that advertises the HNW tier levels/benefits?
by edge
Sun Mar 24, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: MM Rates [Money Market]
Replies: 21
Views: 3147

Re: MM Rates [Money Market]

Setup capital one on the vanguard site. Not the other way around.
by edge
Fri Mar 22, 2019 10:04 am
Forum: Personal Investments
Topic: Vanguard - dissappointed
Replies: 44
Views: 5766

Re: Vanguard - dissappointed

Fidelity has a better product/service offering enabled through stronger/more streamlined bank relationships, more well oiled processes/operations, and much better technology. But they aren't a bank. For example, they use UMB NA as the primary bank for CMA functionality. Fidelity is not a bank. If yo...
by edge
Thu Mar 21, 2019 11:19 pm
Forum: Personal Investments
Topic: Vanguard - dissappointed
Replies: 44
Views: 5766

Re: Vanguard - dissappointed

Fidelity is not a bank.
smarcus3 wrote:
Thu Mar 21, 2019 10:39 pm
If you're looking for a full service brokerage with all the bells and whistles fidelity is the better option. Vanguard is setup for primarily mutual funds however I still love vanguard. Vanguard has extra limitations as they're not a bank unlike fidelity.
by edge
Mon Mar 04, 2019 10:36 am
Forum: Investing - Theory, News & General
Topic: Misuse of the word "technology" in finance
Replies: 45
Views: 3619

Re: Misuse of the word "technology" in finance

Using software does not make a chemical company a software company. Software company is a unique classification due to the structure of its high (relatively) fixed, nearly-zero variable cost equation. Building cars does not hold these properties, at all. Not even close. Facebook and Google are NOT s...
by edge
Sun Mar 03, 2019 6:36 pm
Forum: Personal Consumer Issues
Topic: Best quality car - Lexus?
Replies: 56
Views: 6275

Re: Best quality car - Lexus?

Was it an ES? I haven't been in a ton of luxury cars but have been in volvos, bmws, audis, lexus, acuras. In term of build quality, ergonomics, functionality, I've always been most impressed with Lexus. The Lexus I was in today is 7 years old yet felt almost new and didn't seem dated. I guess the do...
by edge
Sun Mar 03, 2019 11:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 613
Views: 50833

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Vanguard seems to have done a shoddy job ripping out the VanguardAdvantage account. It is still listed in various places including the 'account maintenance' part of the website. Clicking through things eventually causes the user to get to broken or confusing links.
by edge
Sat Mar 02, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 613
Views: 50833

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

The fidelity cma has both overdraft and auto transfer functionality from the MMF. It’s very convenient.
by edge
Tue Feb 26, 2019 9:44 am
Forum: Investing - Theory, News & General
Topic: Misuse of the word "technology" in finance
Replies: 45
Views: 3619

Re: Misuse of the word "technology" in finance

The finance world is getting smarter. S&P no longer classifies google or facebook as being in the technology sector.
by edge
Mon Feb 18, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a degree?
Replies: 73
Views: 4368

Re: Do I need a degree?

You do not need a degree if you have a network/reputation in your industry/profession. If you aren't excellent at the aforementioned, then a degree sounds like a good idea. You don't need an amazing degree, an online/part time one should work fine when combined with your experience.
by edge
Mon Feb 11, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: filling small holes in metal, exterior.
Replies: 8
Views: 494

Re: filling small holes in metal, exterior.

bondo probably
by edge
Fri Feb 08, 2019 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: When VUSXX is not better than VMMXX
Replies: 9
Views: 1345

Re: When VUSXX is not better than VMMXX

For folks in NYS VUSXX is almost always better.
by edge
Sun Feb 03, 2019 8:04 pm
Forum: Investing - Theory, News & General
Topic: [Seeking Alpha: The Dark Side Of John Bogle's Legacy]
Replies: 72
Views: 6499

Re: The Dark Side Of John Bogle's Legacy In Bonds Article

The author has created material to attract hits on his website.

Let's ask ourselves a basic question:

If the trading costs were such a massive problem then we would expect large tracking error to the index since the index does not incur trading fees.

Do we see large tracking error?
by edge
Sun Feb 03, 2019 5:27 pm
Forum: Investing - Theory, News & General
Topic: MSCI was forced to add China into its emerging market index...
Replies: 23
Views: 2159

Re: MSCI was forced to add China into its emerging market index...

Actually there is a debt problem too. The magnitude of non-performing loans held at the major Chinese banks (whose balance sheets dwarf JPMC) is staggering. Rank Bank name Total assets (US$ Billion) 1 China Industrial and Commercial Bank of China 4,009.26 2 China China Construction Bank Corporation ...
by edge
Sat Feb 02, 2019 8:47 am
Forum: Personal Investments
Topic: How does wealth affect future ss income
Replies: 4
Views: 494

Re: How does wealth affect future ss income

Taxes probably
by edge
Mon Jan 07, 2019 2:22 pm
Forum: Investing - Theory, News & General
Topic: Reasons to own Vanguard ETFs over Admiral shares?
Replies: 94
Views: 8983

Re: Reasons to own Vanguard ETFs over Admiral shares?

While generally true, the below does not apply to Vanguard funds. Vanguard mutual funds/corresponding ETFs are share classes, meaning that the ETF increases the tax efficiency of the mutual fund share class. To my knowledge, ETF's have a tax-based advantage over Mutual Funds. "The sale of securities...
by edge
Tue Jan 01, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 2596

Re: Snow Plowing

For the property I own in northern/snowy climates I contract it out. The kind of snow it gets would require multiple passes with a snow blower in a single snow fall and the property gets 120+ inches of snow in the winter.
by edge
Sun Dec 30, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Corvette vs Cayman/Boxster......anyone owned both?
Replies: 57
Views: 4727

Re: Corvette vs Cayman/Boxster......anyone owned both?

I agree
mdavis wrote:
Sat Dec 29, 2018 4:55 am
Get a used GT4. One of the best Porsche ever made....and absolutely thrilling to own and drive. 6MT.
by edge
Mon Dec 10, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 114
Views: 9029

Re: Electric bill with LED

I've found that the old rule that LEDs are more expensive than CFLs has ceased to be true, for some time.

Bogle7 wrote:
Mon Dec 10, 2018 11:38 am
RickBoglehead wrote:
Mon Dec 10, 2018 11:12 am
And the cost to go from CFL to LED is noticeable.
Home Depot is selling "60 watt" LED bulbs for 12¢ less than CFLs.
by edge
Fri Nov 23, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Adds More iShares ETFs Commission Free
Replies: 3
Views: 1195

Re: Fidelity Adds More iShares ETFs Commission Free

I believe it has been this way for a while. I have AOR for my children in a Fidelity account and it was nice to see that it became commission free.
by edge
Tue Nov 20, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: sell rental condo 6 miles from Crystal City, VA Amazon location?
Replies: 36
Views: 3905

Re: sell rental condo 6 miles from Crystal City, VA Amazon location?

These are for corporate jobs. Director level positions at Amazon have historically earned 500k/yr due to stock grants/appreciation. VPs make millions. Amazon only gets government subsidies (20k/head) on employee salaries at 150k$ or greater. Use the news to dump it now. Before this news of the 2 new...
by edge
Thu Nov 15, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5759

Re: fuel for snowblower

Use a fuel stabilizer
by edge
Sun Nov 11, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Exterior Painting Mil Thickness and Coats
Replies: 17
Views: 1442

Re: Exterior Painting Mil Thickness and Coats

Make sure they are using top quality paint if you do one coat like that.

Aura or Emerald for example. But really I would only do this with Aura.
by edge
Tue Oct 30, 2018 5:17 am
Forum: Personal Finance (Not Investing)
Topic: Isn't Paying off the mortgage early putting less money in your house (not more)?
Replies: 96
Views: 9535

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

Ok. That is an unintuitive way to think about things. Bottom line is that paying down a mortgage is separate and unrelated to the house/land gaining or losing value. The maths are interesting but for me cashing in the $300,000 by reducing your mortgage is very attractive because you are locking in y...
by edge
Tue Oct 30, 2018 5:13 am
Forum: Personal Consumer Issues
Topic: Advise on getting a cheap new flooring
Replies: 21
Views: 1989

Re: Advise on getting a cheap new flooring

Take more time learning
by edge
Thu Oct 18, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Approach to rescinding a job acceptance
Replies: 50
Views: 4257

Re: Approach to rescinding a job acceptance

By accepting the counter you are going to work hard to be re-accepted by your current company.

I would never accept a counter.
by edge
Thu Oct 18, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Isn't Paying off the mortgage early putting less money in your house (not more)?
Replies: 96
Views: 9535

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

DJN wrote:
Wed Oct 17, 2018 10:20 am
The maths are interesting but for me cashing in the $300,000 by reducing your mortgage is very attractive because you are locking in your hard won gains of the last 10 years or so. As they say once its gone its gone!
this does not lock in any gains. it reduces debt.
by edge
Sun Oct 14, 2018 7:36 pm
Forum: Personal Investments
Topic: Cassaday & Co. (Financial Advisors)?
Replies: 12
Views: 1100

Re: Cassaday & Co. (Financial Advisors)?

This is actually highly inaccurate. Very few advisory’s are fiduciaries. Curious whether or not any Bogleheads have had first-hand experience with Cassaday. They seem to be mainly focused on clients in Virginia/DC. I ask because a friend has recently signed on with them after being a DIY investor. H...
by edge
Wed Oct 10, 2018 5:25 am
Forum: Personal Consumer Issues
Topic: No Touch ID on Vanguard's mobile app for Android
Replies: 12
Views: 1968

Re: No Touch ID on Vanguard's mobile app for Android

I’ve had problems with the iPhone fingerprint on the VG app where it will quickly fail to authenticate multiple times and lock me out.

I don’t use it anymore.
by edge
Sun Oct 07, 2018 7:03 pm
Forum: Investing - Theory, News & General
Topic: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs
Replies: 23
Views: 3338

Re: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs

It is possible to use the cash management account and the 'Cash Manager' settings to pull from higher yielding investments automatically.
by edge
Sat Oct 06, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Washington, DC Trip & Fine Dining in the Area
Replies: 19
Views: 1672

Re: Washington, DC Trip & Fine Dining in the Area

There are extensive dining options in the greater DC metro. It is impossible to cover them all unless first narrowing the request a bit. Here are a few:

https://www.washingtonian.com/2018/02/1 ... ants-2018/
by edge
Sat Sep 29, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Salary negotiation: saying a number first on purpose?
Replies: 43
Views: 4188

Re: Salary negotiation: saying a number first on purpose?

Making a first offer is fine - if you have enough information to do so
by edge
Mon Sep 24, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Best paint finish for garage?
Replies: 12
Views: 1272

Re: Best paint finish for garage?

Semigloss is going to show a lot of imperfections in the typical garage drywall. even eggshell will probably be ugly.

Unless the drywall is finished to interior wall spec.
by edge
Thu Sep 20, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: In defense of Hedge Funds
Replies: 28
Views: 2485

Re: In defense of Hedge Funds

Um...stock index funds do take into account the returns of companies in the index that fail... How about survivorship bias? Good luck. Everything is survivorship bias. It is a really overused term in my opinion. Even the broad indexes exhibit survivorship bias. As far as I know, no one born in 1865 ...
by edge
Thu Sep 20, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1451

Re: Painting kitchen cabinet

I am not following why you would want to both paint and stain your cabinet.
by edge
Sat Sep 15, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 75
Views: 9530

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

I only fit in the AE 97, 511, 201. But I do notice that inexperienced buyers just adjust the width till their foot fits. Regarding the rain/snow. First, these shoes are kinda dangerous in slippery conditions. If you intend on wearing them all the time you should get rubber applied to the forefoot. A...
by edge
Thu Sep 13, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 75
Views: 9530

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

The Allen Edmonds 'Independence Collection' is more sleek and elegant than many of the British shoes. To be clear, the trade off is a durability penalty. These shoes also come with a very comfortable lambskin lining and extremely high quality calf. Allen Edmonds are good quality, but the they have t...