Search found 923 matches

by LazyNihilist
Sun May 17, 2020 12:09 pm
Forum: Personal Investments
Topic: Have you moved to ETF's? Why or why not?
Replies: 85
Views: 13305

Re: Have you moved to ETF's? Why or why not?

In the below wiki link, ETF's have an advantage in flexibility with Trading Frequency. https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds#Trading_frequency I agree with that. But over the past few months of high volatility my 'trading instincts' were curbed thanks to restrictions on Mutual Funds. ...
by LazyNihilist
Sun May 17, 2020 11:58 am
Forum: Personal Investments
Topic: Still using total bond market?
Replies: 140
Views: 16602

Re: The purpose of bonds and other fixed-income securities

Bogleheads: It is a mistake to focus on bond RETURNS because the primary purpose of fixed-income is to REDUCE RISK. If "higher-return" is your primary goal is higher return it is much more efficient to simply increase your stock allocation. Beware of bonds and other fixed-income securities promisin...
by LazyNihilist
Sun May 17, 2020 11:47 am
Forum: Personal Investments
Topic: Still using total bond market?
Replies: 140
Views: 16602

Re: Still using total bond market?

Other than some I-Bonds and TSP G fund, we are all Total Bond Market. Thanks to Taylor, Mel, Nisiprius, Livesoft and others for your wisdom and sharing. And, of course, thanks to Jack Bogle! Norris I don't understand bonds much. But thanks to these wise people, I'm happy with The Total Bond Market ...
by LazyNihilist
Sun May 17, 2020 11:35 am
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 452
Views: 113084

Re: South Florida Local Chapter

Hi Everyone, I am a new member to join the BogleHeads community. I am located in Davie area in SouthFlorida. I am new to investing and the world of financial responsibility as I just recently finished my training in Medicine and stared working. I would love to meet with you guys when you have the n...
by LazyNihilist
Sun May 17, 2020 11:30 am
Forum: Non-US Investing
Topic: Keeping Vanguard account as Non resident Alien
Replies: 28
Views: 2206

Re: Keeping Vanguard account as Non resident Alien

Withholding >>> Typically, a foreign person with U.S. income is subject to U.S. taxes on the U.S. generated income. The default nonresident alien withholding rate is 30%; however, some foreign persons are eligible for a reduced tax rate. For nonretirement accounts, this applies to dividends and cap...
by LazyNihilist
Mon Apr 27, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: EURUSD rate and options on large transfer
Replies: 17
Views: 730

Re: EURUSD rate and options on large transfer

Thanks very much @German Expat. That is very useful.
RIght now I transfer smaller amounts, once I need to transfer larger amounts I will try it out.
by LazyNihilist
Sun Apr 26, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: EURUSD rate and options on large transfer
Replies: 17
Views: 730

Re: EURUSD rate and options on large transfer

Is Transferwise a good option? It is one of the better options with approx 0.4 percent fee. I used it for a while but now use revolut for smaller amounts and Interactive Brokers for larger. IB is close to free if you use lite but you need to learn how it works (basically you are trading currency). ...
by LazyNihilist
Sun Apr 12, 2020 1:35 pm
Forum: US Chapters
Topic: Consider Zoom video conferencing for chapter meetings
Replies: 16
Views: 1206

Re: Consider Zoom video conferencing for chapter meetings

Thanks Boston and NY for those great Zoom session tips! FYI, for those without paid Zoom accounts (for longer meetings), check out https://jitsi.org/jitsi-meet/ , which is a FREE (open source) video conferencing platform offering the same basic functionality as Zoom. I used it for another group I'm...
by LazyNihilist
Sat Mar 14, 2020 12:56 pm
Forum: Investing - Theory, News & General
Topic: US vs International asset allocation logic
Replies: 4
Views: 288

US vs International asset allocation logic

Dear Bogleheads, Sorry for yet another US vs Int. thread. But I need some validation. Please consider the below statements and point out any flaws in the logic. For a global cap investor who follows the below line of reasoning. 1. Considering only stocks. 2. Only two total market indices available. ...
by LazyNihilist
Tue Mar 10, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Improving online security
Replies: 69
Views: 4162

Re: Improving online security

Is there any data on how most real world examples of cyber compromises take place? Long, complex passwords don’t protect you from key loggers or falling for a phishing attempt and entering your password into www.fakevanguard.com. One of the best protections against phishing attempts is to use a pas...
by LazyNihilist
Tue Mar 10, 2020 7:44 pm
Forum: Personal Consumer Issues
Topic: Improving online security
Replies: 69
Views: 4162

Re: Improving online security

Doesn't changing the VPN to various distant sites also add to security levels? There isn't much that isn't encrypted by default these days, so a VPN is simply encrypting already encrypted traffic. Where a VPN starts to work against you is that it invalidates "infeasible travel" detection algorithms...
by LazyNihilist
Sun Mar 08, 2020 10:47 pm
Forum: Personal Consumer Issues
Topic: Improving online security
Replies: 69
Views: 4162

Re: Improving online security

Thank you for posting such an exhaustive list of security measures. Reminds me of new cars that seem like iPads on wheels as far as technology. For myself and DW, VPN and password vaults, and multi authorizations are plenty so far. I also use only 1 MacBoook for financial things. Not sure if this a...
by LazyNihilist
Sun Mar 08, 2020 10:40 pm
Forum: Personal Consumer Issues
Topic: Improving online security
Replies: 69
Views: 4162

Re: Improving online security

OP, for item 1, how is it better than 1password? I think for most of us here, 1password fits perfectly KeepassXC is open source software. So the source code can be vetted. Practically speaking, there is some level of trust being placed on any installed software. For closed source program you are re...
by LazyNihilist
Sun Mar 08, 2020 10:38 pm
Forum: Personal Consumer Issues
Topic: Improving online security
Replies: 69
Views: 4162

Re: Improving online security

OP, for item 1, how is it better than 1password? I think for most of us here, 1password fits perfectly KeepassXC is open source software. So the source code can be vetted. Practically speaking, there is some level of trust being placed on any installed software. For closed source program you are re...
by LazyNihilist
Sun Mar 08, 2020 10:32 pm
Forum: Personal Consumer Issues
Topic: Improving online security
Replies: 69
Views: 4162

Re: Improving online security

Bogleheads, While there are some good recommendations in this post, please do not think you need to do all these things to have strong "online security for financial websites". Most of this post is massive, massive overkill, and it's replete with tech jargon and abbreviations that many users may no...
by LazyNihilist
Sun Mar 08, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: Improving online security
Replies: 69
Views: 4162

Re: Improving online security

Looks like KeePassXC opens the .kdbx files created by the original KeePass. Is there an iOS app specifically linked to XC or does one just rely on whatever app was being used to open KP (classic) kdbx files? For someone only operating in W10 and iOS I don't see a compelling reason to switch from KP...
by LazyNihilist
Sun Mar 08, 2020 9:56 pm
Forum: Personal Consumer Issues
Topic: Improving online security
Replies: 69
Views: 4162

Re: Improving online security

Thank you for posting such an exhaustive list of security measures. Reminds me of new cars that seem like iPads on wheels as far as technology. For myself and DW, VPN and password vaults, and multi authorizations are plenty so far. I also use only 1 MacBoook for financial things. Not sure if this a...
by LazyNihilist
Sun Mar 08, 2020 9:51 pm
Forum: Personal Consumer Issues
Topic: Improving online security
Replies: 69
Views: 4162

Re: Improving online security

Is there any science behind these recommendations? https://ssd.eff.org/en That is one of the best places to start for Security and Privacy related information. If you need clarification on any specific recommendation, please let me know and I will post links to justifications. The VM for each site ...
by LazyNihilist
Sun Mar 08, 2020 9:47 pm
Forum: Personal Consumer Issues
Topic: Improving online security
Replies: 69
Views: 4162

Re: Improving online security

1. Use an offline open source password manager - keepassxc. Here's the link: KeePassXC Password Manager That's what I use. Works fine in Windows and Linux, Firefox and Chrome. One database file for everything. 6. Logging to financial websites. Close browser. You missed one - clear the browser histo...
by LazyNihilist
Sun Mar 08, 2020 9:43 pm
Forum: Personal Consumer Issues
Topic: Improving online security
Replies: 69
Views: 4162

Re: Improving online security

OP, for item 1, how is it better than 1password? I think for most of us here, 1password fits perfectly KeepassXC is open source software. So the source code can be vetted. Practically speaking, there is some level of trust being placed on any installed software. For closed source program you are re...
by LazyNihilist
Fri Mar 06, 2020 7:51 pm
Forum: Personal Consumer Issues
Topic: Improving online security
Replies: 69
Views: 4162

Improving online security

Hello Bogleheads, Here is a list of things that would improve online security for financial websites. Most of them border on the paranoid. I don't do some of the recommendations because it is just too inconvenient. Use an offline open source password manager - keepassxc. Online password manager is g...
by LazyNihilist
Wed Feb 26, 2020 6:31 pm
Forum: Investing - Theory, News & General
Topic: Total World vs. U.S. plus Ex-US
Replies: 13
Views: 975

Re: Total World vs. U.S. plus Ex-US

I set my taxable with my US and international indexes to world market cap. It will float by itself according to world market cap as the markets move. When I contribute to taxable I just allocate that money to whatever the taxable allocation is at the time. My tax deffered accounts are in VTWAX. Doe...
by LazyNihilist
Fri Feb 21, 2020 12:30 am
Forum: Investing - Theory, News & General
Topic: Is this a dumb idea?
Replies: 15
Views: 1534

Re: Is this a dumb idea?

Hi folks, I am looking for your opinion on something that probably will earn me the infamous title of “market timer”; here I go anyway: Old 401k from previous employer, on a target date fund for 2040. Asset allocation for that fund is too aggressive for my liking (93:7). About to roll it over to a ...
by LazyNihilist
Fri Feb 21, 2020 12:22 am
Forum: Personal Finance (Not Investing)
Topic: FreeFillable Forms Missing Form 8889
Replies: 17
Views: 2952

Re: FreeFillable Forms Missing Form 8889

I submitted my return without Form 8889 and it was accepted and I got the refund. I plan on printing the form and mailing it with 1040x now. What would happen if someone does not file Form 8889? If there is no change in dollar amount owed. What can the IRS do? My guess is that without a 8889 they'd...
by LazyNihilist
Wed Feb 19, 2020 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: FreeFillable Forms Missing Form 8889
Replies: 17
Views: 2952

Re: FreeFillable Forms Missing Form 8889

I submitted my return without Form 8889 and it was accepted and I got the refund. I plan on printing the form and mailing it with 1040x now.

What would happen if someone does not file Form 8889? If there is no change in dollar amount owed. What can the IRS do?
by LazyNihilist
Fri Jan 31, 2020 2:57 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 452
Views: 113084

Re: South Florida Local Chapter

Thank you Miriam.

Below is the link to the original National Theatre Live Lehman trilogy with a trailer and where to find the closest showings.
http://ntlive.nationaltheatre.org.uk/pr ... an-trilogy
by LazyNihilist
Fri Jan 31, 2020 2:43 pm
Forum: Investing - Theory, News & General
Topic: Fidelity lets clients now trade fractional shares of stocks and ETFs
Replies: 174
Views: 16259

Re: Fidelity lets clients now trade fractional shares of stocks and ETFs

JustinR wrote:
Fri Jan 31, 2020 5:08 am
Great, now make ETFs tradeable at the NAV price at the end of the day and we're golden.
Before you know it

Image

Or is it?

Image
by LazyNihilist
Thu Jan 30, 2020 10:11 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11332

Re: Cybersecurity and passwords

I use KeePass. I sync it to the cloud. I don't use a keyfile though. What is the rationale of syncing the password file through the cloud but not the keyfile? If keyfile is not being sync'd through the cloud, I don't see why the password file needs to be sync'd. Just get the password file to the re...
by LazyNihilist
Thu Jan 30, 2020 9:22 am
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 452
Views: 113084

Re: South Florida Local Chapter

Hello Bogleheads, We had our semi-annual South Florida Bogleheads meetup last Sunday 26th Jan. at Stirling Rd. branch library. It was a special occasion as we celebrated Taylor's 96th birthday. We had special guests attending including Mel and Marlene Lindauer, Gail Cox and a Senior Relationship Man...
by LazyNihilist
Wed Jan 29, 2020 11:28 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11332

Re: Cybersecurity and passwords

Thank You for the advice. I see preferred method is a password manager. Is it not possible for an employee of a password manager company to somehow get access to your password? Could they not install malware or virus if the employee objective is to do harm? Are password managers 100% secure? Is the...
by LazyNihilist
Sun Jan 05, 2020 1:36 pm
Forum: Investing - Theory, News & General
Topic: My Wishlist for Vanguard
Replies: 72
Views: 5405

Re: My Wishlist for Vanguard

Would you like Vanguard to raise expense ratios to do this? They are pretty clear that's not their plan. They are low cost. You are somewhat asking Walmart to have staff trained as color/style consultants and have a seamstress on staff to measure for alternations. If you want those services while s...
by LazyNihilist
Sun Jan 05, 2020 12:52 pm
Forum: Investing - Theory, News & General
Topic: My Wishlist for Vanguard
Replies: 72
Views: 5405

My Wishlist for Vanguard

Here's a list of things I would like Vanguard to implement in order of importance, especially the first 3 items. I have accounts at both Vanguard and Fidelity and am happy with both so far. Make minimum's to invest in all Vanguard mutual funds to $0.01 (Essentially removes fund share classes). Creat...
by LazyNihilist
Wed Jan 01, 2020 2:35 pm
Forum: Personal Investments
Topic: Roth IRA - so who hit 'enter' at 12:01AM this morning?
Replies: 113
Views: 10854

Re: Roth IRA - so who hit 'enter' at 12:01AM this morning?

Hi Livesoft question/comment - so you can use dividends to fund a roth IRA? I thought it had to be normal earned income. If dividends to Roth works it would be a real boon for me. As long as there are eligible earnings, one can use money from anywhere. The 12/31 dividends went into my checking acco...
by LazyNihilist
Thu Dec 26, 2019 12:55 pm
Forum: Investing - Theory, News & General
Topic: IB brokers fractional shares
Replies: 17
Views: 1036

Re: IB brokers fractional shares

I'm a fan of what Mr. Bogle called "TIFs" Traditional Index Funds over ETFs. TIFs have no market spread and always trade at the NAV of the fund at market close. I would not want to make a regular habit of buying fractional shares if it amounts to a 1% front-end load on every purchase. Not only does...
by LazyNihilist
Thu Dec 26, 2019 12:53 pm
Forum: Investing - Theory, News & General
Topic: IB brokers fractional shares
Replies: 17
Views: 1036

Re: IB brokers fractional shares

I am a Mutual Fund investor. I have no ETF's currently.
But with the ability to purchase Fractional shares and with 0 commissions for ETF's at most brokerages, I believe ETF's have an upper hand now.

The only disadvantage I see with ETF's are the bid/ask spreads.
by LazyNihilist
Mon Dec 23, 2019 6:31 pm
Forum: Investing - Theory, News & General
Topic: Domestic v. International Megathread
Replies: 64
Views: 4210

Re: Domestic v. International Megathread

For me the below image is THE compelling reason to stay with Total World Market cap. If the US does well, it will increase its total allocation, but it can never exceed 100%. I find it hard to understand how a lot of Bogleheads who are 100% US or tilt US don't address this. https://i.imgur.com/bwqPQ...
by LazyNihilist
Sun Dec 22, 2019 2:38 pm
Forum: Personal Investments
Topic: Large forex transfer from India ($100K+ )
Replies: 19
Views: 1647

Re: Large forex transfer from India ($100K+ )

The impression I have is that the OP is now in the US but has funds in a bank in India that he wants to move to the US. Due to the OP being in the US it is likely difficult to open a new account (likely of any kind) in India. The OP is also faced with various money transfer rules and regulations in...
by LazyNihilist
Sun Dec 22, 2019 2:32 pm
Forum: Non-US Investing
Topic: Is International Diversification really necessary for Resident Indian?
Replies: 65
Views: 2298

Re: Is International Diversification really necessary for Resident Indian?

Anon9001: According to https://investor.vanguard.com/mutual-funds/profile/portfolio/vtwax India represents 1.1% of the world stock market. I would strongly recommend VT (or its equivalent Total World like VWRA) for Indian investors. On the bond side, I would go with VAGU (or its equivalent), but the...
by LazyNihilist
Sat Dec 21, 2019 5:23 pm
Forum: Non-US Investing
Topic: Keeping Vanguard account as Non resident Alien
Replies: 28
Views: 2206

Re: Keeping Vanguard account as Non resident Alien

Vanguard did get back to me with a detailed response. As a resident of India or New Zealand, you should be able to maintain and trade within your Vanguard accounts. ... All fairly positive for you, then. However, as US nonresident alien and a Vanguard client who opened an account while a US residen...
by LazyNihilist
Sat Dec 21, 2019 5:12 pm
Forum: Non-US Investing
Topic: International investing [Resident Indian]
Replies: 24
Views: 2252

Re: International investing [Resident Indian]

How about VWRA on LSE? https://www.interactivebrokers.co.in/en/index.php?f=23196&p=stocks1 It is a USD denominated ETF on LSE so the commission is .05% of the trade with minimum of $5. Which is a good price. Read again what I said. The broker themselves Interactive Brokers charge this fee 10$ per m...
by LazyNihilist
Fri Dec 20, 2019 3:19 pm
Forum: Non-US Investing
Topic: Keeping Vanguard account as Non resident Alien
Replies: 28
Views: 2206

Re: Keeping Vanguard account as Non resident Alien

Vanguard did get back to me with a detailed respone. As a resident of India or New Zealand, you should be able to maintain and trade within your Vanguard accounts. You can invest money into your nonretirement account from an international source by wire. Below, I have provided more information on in...
by LazyNihilist
Fri Dec 20, 2019 1:51 pm
Forum: Non-US Investing
Topic: Keeping Vanguard account as Non resident Alien
Replies: 28
Views: 2206

Re: Keeping Vanguard account as Non resident Alien

I posted the question to both Vanguard and Fidelity. Still waiting for Vanguard to respond. Below is Fidelity's reply There are certain eligible countries that Fidelity is able to maintain accounts for. New Zealand is not an eligible country. If you were to move there, your accounts would become res...
by LazyNihilist
Fri Dec 20, 2019 1:49 pm
Forum: Personal Investments
Topic: Large forex transfer from India ($100K+ )
Replies: 19
Views: 1647

Re: Large forex transfer from India ($100K+ )

What about transferwise? My understanding is that an Indian resident/citizen can transfer up to US$ 250,000/year. Can't use third-party for NRO accounts. Taxable certification needs for those accounts necessitate a certain process. That's why the primary qs for OP is: Non-resident external (NRE) or...
by LazyNihilist
Fri Dec 20, 2019 1:48 pm
Forum: Non-US Investing
Topic: International investing [Resident Indian]
Replies: 24
Views: 2252

Re: International investing [Resident Indian]

How about VWRA on LSE?
https://www.interactivebrokers.co.in/en ... &p=stocks1

It is a USD denominated ETF on LSE so the commission is .05% of the trade with minimum of $5. Which is a good price.
by LazyNihilist
Fri Dec 20, 2019 1:36 pm
Forum: Personal Investments
Topic: Large forex transfer from India ($100K+ )
Replies: 19
Views: 1647

Re: Large forex transfer from India ($100K+ )

What about transferwise?

My understanding is that an Indian resident/citizen can transfer up to US$ 250,000/year.
by LazyNihilist
Thu Dec 19, 2019 11:01 am
Forum: Non-US Investing
Topic: Keeping Vanguard account as Non resident Alien
Replies: 28
Views: 2206

Re: Keeping Vanguard account as Non resident Alien

Thanks for this very useful info. 123.

I have most of my funds in Traditional IRA and some in Roth IRA. I don't mind that the gross proceeds are held as long as it is straightforward to claim the refund.
by LazyNihilist
Wed Dec 18, 2019 5:59 pm
Forum: Non-US Investing
Topic: Keeping Vanguard account as Non resident Alien
Replies: 28
Views: 2206

Re: Keeping Vanguard account as Non resident Alien

Don't want to derail OP's thread, but I am in a situation where I opened accounts on a Work visa and don't have a green card. I want to know if Vanguard and Fidelity let you keep your personal account and IRA/HSA accounts open and trade with already existing funds if you move to either India or New ...
by LazyNihilist
Wed Dec 11, 2019 10:55 pm
Forum: Non-US Investing
Topic: International investing [Resident Indian]
Replies: 24
Views: 2252

Re: International investing [Resident Indian]

For Indian investors, while IBKR Lite is no fees for US Stocks/ETF's, would the domicile be a problem?
Isn't Irish domiciled funds/etf's the recommended way to go? And I believe IBKR Lite doesn't offer free trading for those.