Search found 865 matches

by LazyNihilist
Wed Aug 08, 2018 12:07 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78475

Re: "What Fidelity's No-Cost Index Funds Mean for Investors"

Vanguard should follow Fidelity and drop the false elitism of share classes. Vanguard should follow Fidelity and expand the Institutional Plus ER to all of its investors. Vanguard should follow Fidelity and drop its fund minimums to $0. I do like keeping transaction buying and selling restrictions ...
by LazyNihilist
Mon Aug 06, 2018 9:12 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78475

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I don't worry about ER's from Vanguard, they are transparent and low enough already. The most exciting thing about the new updates from Fidelity is dropping the minimum's to invest to 0. I would love if Vanguard drops minimum's on all of its index fund share classes to 0. This would mean just one cl...
by LazyNihilist
Mon Jul 16, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?
Replies: 45
Views: 2621

Re: Does it make sense to change 3 fund portfolio into 2 fund portfolio by switching VTI and VXUS with VT?

I agree. I was in a similar situation. Lots of analysis paralysis like the poster above said.
I decided to use VTI+VXUS in the same proportion as global/world market cap. 53% US, 47% Int.
I would have gone with VT, but it doesn't contain all the holdings that VTI has and is slightly more expensive.
by LazyNihilist
Sun Jul 08, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Video: Day trading for beginners - funny tutorial
Replies: 3
Views: 724

Video: Day trading for beginners - funny tutorial

https://www.youtube.com/watch?v=0auyx6MlUEM

It was a popular trending video. Doesn't say anything about indexing, but quite a funny view about day trading.
by LazyNihilist
Tue Jul 03, 2018 12:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 336
Views: 67712

Re: South Florida Local Chapter

Mel Lindauer wrote:
Tue Jul 03, 2018 10:34 am
Thanks for the detailed report. Sounds like it was a great event. Wish my schedule had allowed me to attend. One of these days!
Hi Mel,

It was my pleasure. Hope to meet you at one of the meetups or the Bogleheads conference.

Thank you.
by LazyNihilist
Tue Jul 03, 2018 12:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 336
Views: 67712

Re: South Florida Local Chapter

pink wrote:
Tue Jul 03, 2018 10:27 am
LazyNihilist wrote:
Tue Jul 03, 2018 1:20 am
...
Thank you for the detailed summary post and the pictures. It was a pleasure to meet you!
Daniel
It was great to meet you too. Hope to see you again at the next meetup.
by LazyNihilist
Tue Jul 03, 2018 12:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 336
Views: 67712

Re: South Florida Local Chapter Meeting with Pictures

Lazy Nihilist: We cannot thank you enough for your excellent re-cap of our S. Florida Chapter Meeting and also for your photographs--including the last one with you standing on the right (how did you do that)? It has not gone unnoticed that you posted at 1:20 this morning. Why are we not surprised....
by LazyNihilist
Tue Jul 03, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8693

Re: What % of your equity is int’l?

47% - I hold the Global Market Cap.
by LazyNihilist
Tue Jul 03, 2018 1:20 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 336
Views: 67712

Re: South Florida Local Chapter

Hello Bogleheads, We had our South Florida Bogleheads Chapter meeting on Sunday froom Noon to 2pm at the Stirling Road Branch, Broward County. Here is a summary of the meeting. This meeting had a fair amount of new Bogleheads. We had at least 3 of them drive in from Orlando and one from Germany (tho...
by LazyNihilist
Fri Jun 08, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: The Psychology of Money - A Blog Post
Replies: 67
Views: 10639

Re: The Psychology of Money - A Blog Post

Brilliant article. Thanks for posting it.
by LazyNihilist
Tue Jun 05, 2018 11:10 am
Forum: Local Chapters and Bogleheads Community
Topic: Any Interest in a New Zealand Local Chapter?
Replies: 6
Views: 1051

Re: Any Interest in a New Zealand Local Chapter?

KiaOra,

I am currently not in NZ. But if I move back to NZ, I would absolutely love to join the Local Chapter.

On another note, is Smartshares the best way to invest in NZ if someone wants to follow the Bogleheads principles of low cost index investing?

Thanks.
by LazyNihilist
Sat Jun 02, 2018 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Is VTI really "total stock market" with only 1478 holdings?
Replies: 17
Views: 4130

Re: Is VTI really "total stock market" with only 1478 holdings?

I was trying to find the differences in holdings between Total US, Total International and Total World Funds/ETF's and was quite surprised to hear about the Portfolio Composition File. https://investor.vanguard.com/etf/profile/portfolio/VTI/pcf (1490 instead of 3629) https://investor.vanguard.com/e...
by LazyNihilist
Fri Jun 01, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Is VTI really "total stock market" with only 1478 holdings?
Replies: 17
Views: 4130

Re: Is VTI really "total stock market" with only 1478 holdings?

I was trying to find the differences in holdings between Total US, Total International and Total World Funds/ETF's and was quite surprised to hear about the Portfolio Composition File. https://investor.vanguard.com/etf/profile/portfolio/VTI/pcf (1490 instead of 3629) https://investor.vanguard.com/et...
by LazyNihilist
Fri Jun 01, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Moving From Quicken: Moneydance, YNAB, GnuCash or other?
Replies: 38
Views: 11276

Re: Moving From Quicken: Moneydance, YNAB, GnuCash or other?

GnuCash takes some getting used to, but once you are familiar with it, it is great.
I've been using it for nearly a decade.

DoubleEntry bookkeeping is what makes it special.
by LazyNihilist
Fri Apr 13, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Aren't we betting a bit too heavily on US stocks and bonds?
Replies: 34
Views: 3073

Re: Aren't we betting a bit too heavily on US stocks and bonds?

By free float market weight the US equity markets makes up about 50% of the world cap. So a neutral position would be 50% US. There are a couple of key takeaways here. The link between a country stock market and a country's GDP is low. Mega-cap multinationals dominate the indexes. Where there are i...
by LazyNihilist
Wed Apr 11, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 28571

Re: Anyone Deleting Facebook?

Phineas J. Whoopee wrote:
Wed Apr 11, 2018 11:12 am
It's like suggesting I usher out the invisible pink unicorn.

PJW
So, let's talk about the Invisible Pink Unicorn. :P
by LazyNihilist
Fri Mar 30, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 40537

Re: What's your U.S. : International ratio?

100 : 0 I don't have international funds. My total stock market US does have quite a bit of foreign exposure though. Couldn't the exact same argument be used to flip the allocation to 0:100? Say for example investing in 100% Canadian stocks because Canada has a good bit of exposure to US Markets?
by LazyNihilist
Fri Mar 30, 2018 6:11 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 40537

Re: What's your U.S. : International ratio?

Always perplexed by how many Bogleheads insist on not picking single stocks to simply take what the market will bear. Yet have no issue holding a US only or US dominant portfolio that's so far out of line with global market proportions. The disconnect here often sounds premised on a borderline jing...
by LazyNihilist
Sun Mar 25, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 28571

Re: Anyone Deleting Facebook?

I have temporarily deactivated my Facebook account. I want to seriously think about the privacy concerns of having a Facebook account before reactivating it. I am still using Facebook messenger and WhatsApp. I would prefer to use Signal instead of the other messengers, but looks like most of my con...
by LazyNihilist
Fri Mar 23, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 28571

Re: Anyone Deleting Facebook?

I have temporarily deactivated my Facebook account. I want to seriously think about the privacy concerns of having a Facebook account before reactivating it. I am still using Facebook messenger and WhatsApp. I would prefer to use Signal instead of the other messengers, but looks like most of my cont...
by LazyNihilist
Wed Mar 07, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 116
Views: 30953

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

I was lucky to get in. This is going to be my first year.
I hope a bigger venue is chosen for the coming years.
by LazyNihilist
Fri Feb 09, 2018 12:38 am
Forum: Personal Consumer Issues
Topic: Barcelona-Real Madrid Tickets
Replies: 3
Views: 552

Re: Barcelona-Real Madrid Tickets

The way the league is going this year, there is a good chance Barcelona clinch La Liga title before this game and if either team gets into Champions League final, they could rest most of the players. But it is still worth to go watch the game for Messi. He's once in a 1000 year player. https://strea...
by LazyNihilist
Thu Feb 08, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3446
Views: 1021412

Re: What Book Are You Currently Reading? Part VI

Upon hearing Michael Lewis (author of Moneyball ll, The Big Short , etc.) list it as one of his favorite three books of all time, I read A Confederacy of Dunces ," by John Kennedy Toole. And yes, it's hilarious. ROFL funny at times. The forward by Walker Percy explains so much. I love this book. It...
by LazyNihilist
Wed Feb 07, 2018 12:45 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 40537

Re: What's your U.S. : International ratio?

Mithrilman wrote:
Wed Feb 07, 2018 12:28 am
62% US
38% Intnl
Does this have anything to do with the Golden Ratio? :)
by LazyNihilist
Wed Jan 24, 2018 10:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 336
Views: 67712

Re: South Florida Local Chapter

Hello Bogleheads, We had our 2018 South Florida Bogleheads Chapter meeting on Sunday from Noon to 2pm. It was great to meet fellow Bogleheads with a good mixture of old and new faces. We had Bogleheads from Fort Myers and Orlando among us. Miriam was the chief organizer of the meeting and deserves a...
by LazyNihilist
Mon Jul 31, 2017 12:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 336
Views: 67712

Re: South Florida Local Chapter

Bogleheads, Providing an update on our South Florida Boglehead Chapter meeting on July 30th from noon to 2pm at the Stirling Road Branch Library. Our new chapter leader Miriam2 chose the location for its wonderful conference room facilities and ample parking. This location also made it possible for ...
by LazyNihilist
Thu Jul 27, 2017 11:00 am
Forum: Investing - Theory, News & General
Topic: VT vs VTI+VXUS
Replies: 3
Views: 2412

Re: VT vs VTI+VXUS

VT tracks - FTSE Global All Cap Index VXUS tracks - FTSE Global All Cap ex US Index VTI tracks - CRSP US Total Market Index A quick look at the portfolio holdings shows that VT holds all of VXUS, but of the VTI's 3606 stocks it holds only around half of the US stocks. May be that is because the 2 in...
by LazyNihilist
Sun Jul 09, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX dividend error?
Replies: 24
Views: 3798

Re: VTSAX dividend error?

I was updating my GnuCash account and just noticed this 'display error' in my Vanguard account. The other calculations matched up to the right price.
This issue hasn't been fixed yet.
by LazyNihilist
Thu Jun 22, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 7853

Re: Google Fi? pros/cons? anyone using it?

I'm a Google Fi user and am very happy with it.
by LazyNihilist
Sun Jun 11, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 2869

Re: Best Way To Code A Text Parser

This video might not help with the Parser itself but gives a good idea on how languages are designed.

https://www.youtube.com/watch?v=Sg4U4r_AgJU
by LazyNihilist
Sun Jun 11, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 2869

Re: Best Way To Code A Text Parser

AWK, Python, Perl or Tcl for quick coding.

C#/Java if you expect to have more extensible features required to be maintained by a team of coders.
by LazyNihilist
Sun Jun 11, 2017 6:25 pm
Forum: Investing - Theory, News & General
Topic: SPY is a Unit Investment Trust
Replies: 26
Views: 2655

Re: SPY is a Unit Investment Trust

Why have it as the earlier date of the 2 options listed? Why not have it as the later date of the 2 options listed? At least that would give some more certainty. It's a legal requirement for it to be written that way. If they didn't and enforcing the trust ever became an issue, the entire thing cou...
by LazyNihilist
Fri Jun 02, 2017 2:43 pm
Forum: Investing - Theory, News & General
Topic: SPY is a Unit Investment Trust
Replies: 26
Views: 2655

Re: SPY is a Unit Investment Trust

Why have it as the earlier date of the 2 options listed? Why not have it as the later date of the 2 options listed?
At least that would give some more certainty.
by LazyNihilist
Wed May 10, 2017 12:53 pm
Forum: Investing - Theory, News & General
Topic: All-in-one Plus strategy
Replies: 65
Views: 4493

Re: All-in-one Plus strategy

KlangFool, I have been doing this for a few years now. I have my desired asset allocation set TIPS/Bonds/US/Int. in a spreadsheet. In my tax advantaged account I use the Target Date fund. In my taxable account it is Total US and Total Int. In the speradsheet, I calculate my current asset allocation ...
by LazyNihilist
Wed May 03, 2017 8:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 444
Views: 51028

Re: Your USER NAME...what does it mean?

MrNewEngland wrote:I have no reason to feel so strongly about that but I do.
Like many things in life. :mrgreen:
by LazyNihilist
Wed May 03, 2017 11:14 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 444
Views: 51028

Re: Your USER NAME...what does it mean?

MrNewEngland wrote:
MrNewEngland wrote:*3!4!/5!

Can someone please explain that to me? *1.2?
This is driving me crazy.
Or it could also be related to the value of pi.
by LazyNihilist
Thu Apr 13, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Lack of rigor in EdX (and other?) MOOCs?
Replies: 23
Views: 2395

Re: Lack of rigor in EdX (and other?) MOOCs?

You get two chances at each question. After your first answer, you are told whether or not it is correct, and if it isn't, you can make a second choice. That means that by chance alone, your chance of getting the correct answer is to a question is... really? did I do this correctly? 50%. Yep. So, i...
by LazyNihilist
Thu Apr 13, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Lack of rigor in EdX (and other?) MOOCs?
Replies: 23
Views: 2395

Re: Lack of rigor in EdX (and other?) MOOCs?

You get two chances at each question. After your first answer, you are told whether or not it is correct, and if it isn't, you can make a second choice. That means that by chance alone, your chance of getting the correct answer is to a question is... really? did I do this correctly? 50%. Yep. So, i...
by LazyNihilist
Wed Apr 12, 2017 8:31 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 34030

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Two lessons learned: 1. email and forum post will go at the same time next year, and 2. Never again announce an exact date. Best Regards, Mel This is a difficult problem and a right balance has to be struck. As the forum grows more popular there will be more disappointed people in the coming years....
by LazyNihilist
Fri Apr 07, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab backdoor Roth: Can I just transfer from IRA into Roth
Replies: 16
Views: 2905

Re: Schwab backdoor Roth: Can I just transfer from IRA into Roth

What is the difference between converting from Traditional to Roth IRA. vs Withdrawing the same amount from Traditional and converting it to Roth IRA. Don't you need to withdraw from Traditional before converting to Roth IRA? There is a 10% penalty for withdrawing IRA prior to age of 59.5 Thank you.
by LazyNihilist
Fri Apr 07, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab backdoor Roth: Can I just transfer from IRA into Roth
Replies: 16
Views: 2905

Re: Schwab backdoor Roth: Can I just transfer from IRA into Roth

What is the difference between converting from Traditional to Roth IRA.
vs
Withdrawing the same amount from Traditional and converting it to Roth IRA.

Don't you need to withdraw from Traditional before converting to Roth IRA?
by LazyNihilist
Sun Apr 02, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: running tax software on Linux using Windows virtual machine
Replies: 27
Views: 3561

Re: running tax software on Linux using Windows virtual machine

I occasionally run Windows on VirtualBox in my Debian Linux system. It works well.
by LazyNihilist
Mon Mar 27, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19849

Re: Virtual Private Networks (VPNs)

Curious if anyone has any experience with VPN Providers that support application-level split tunneling. I'd like to tunnel most things, but NOT tunnel latency-sensitive things such as games or voice communications. I'm not super technical any more, so I'd really not like to jump in and start buildi...
by LazyNihilist
Wed Mar 22, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 3867

Re: Anybody using the TERMINAL over the GUI in ubuntu?

I use Debian and find it is a very stable system. I find command line easy to write scripts that I need to run repeatedly. I also have a couple of 'net-top linux boxes' which don't have a monitor and only have command line interface through SSH. Here are some of my most used commands from .bash_hist...
by LazyNihilist
Thu Mar 16, 2017 12:25 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3879
Views: 1085416

Re: What Movie Have You Recently Watched?

I've seen all the 2016 Oscar Best Picture Nominees. Here's how I rate them. Arrival - 9.25 Moonlight - 9 Manchester by the Sea - 9 La La Land - 8.75 Hidden Figures - 8.5 Fences - 8 Lion - 7.5 Hell or High Water - 6.75 Hacksaw Ridge - 6.5 The most surprising thing was Amy Adams not getting nominated ...
by LazyNihilist
Fri Feb 10, 2017 10:52 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 444
Views: 51028

Re: Your USER NAME...what does it mean?

My Mom says I am Lazy.
I believe that all ethical and moral values are subjective.
There is also nothing to life before you are born and after you are dead.
by LazyNihilist
Mon Feb 06, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 326
Views: 58270

Re: Any books really change your outlook on life?

Lots of great recommendations. Thank you.