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by zaboomafoozarg
Sun Jan 20, 2019 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Stay the course is hard
Replies: 56
Views: 5002

Re: Stay the course is hard

I don't believe the OP did stay the course. If they were staying the course, then they would most certainly have rebalanced in December by selling bonds and buying equities. Depends on what their rebalancing criteria is. Not everyone's is as "fine-tuned" and highly touted as yours. Perhaps theirs i...
by zaboomafoozarg
Wed Jan 16, 2019 6:45 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 848
Views: 43737

Re: John Bogle is dead at 89

RIP Jack :(

The index funds he created, the books he wrote, his advocacy for the individual investor and this forum had such a positive effect on my financial knowledge and situation.
by zaboomafoozarg
Tue Jan 08, 2019 8:33 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 60
Views: 6202

Re: Fell in Love with Fidelity

zaboomafoozarg, If you could rebalance in your non-taxable account, why would you keep a bond fund in your taxable account and pay more taxes? KlangFool Mainly because I didn't want to fill up a lot of my 401k and IRA with bonds, because I need some room in those for my various slice & dice holding...
by zaboomafoozarg
Tue Jan 08, 2019 8:06 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 60
Views: 6202

Re: Fell in Love with Fidelity

What do you do when the stock market drops 50%? You have to rebalance now. It cannot be done with new money and earned dividends. KlangFool One can rebalance in their non-taxable accounts, since it's all just one portfolio. Like OP I hold 3 funds in my taxable account, and rebalance using my IRA or...
by zaboomafoozarg
Sat Dec 29, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Keep Calm and Boglehead On!
Replies: 36
Views: 5480

Re: Keep Calm and Boglehead On!

Where can I find these magical employer pensions you speak of? They seem to have gone extinct outside the public sector before I entered the labor force. What is the likelihood of a pension paying out if the stock market drops 50% for 10 years? I’d think that underfunded pensions would become a big...
by zaboomafoozarg
Mon Dec 24, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10152
Views: 1787966

Re: U.S. stocks in free fall

scimitar wrote:
Mon Dec 24, 2018 1:21 pm
J G Bankerton wrote:
Mon Dec 24, 2018 1:04 pm
VTI $120; the falling knife cut right through it. This could be a history making named panic.
I for one am just waiting for the financial pundits to start writing breathless headlines about the "Christmas Crash" :oops:
Ooh that's catchy
by zaboomafoozarg
Mon Dec 24, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Missing 12/21/2018 Bond Dividends Delayed
Replies: 43
Views: 4444

Vanguard: some bond fund dividends delayed a day "because of a technical error"

[merged into existing thread - moderator prudent] Just received an email from Vanguard: Because of a technical error, the dividends for one or more of your bond funds will now process on December 26. You do not need to take any action. If you elected to reinvest dividends, your account will reflect...
by zaboomafoozarg
Sun Dec 16, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1608
Views: 223570

Re: QSPIX - thoughts on interesting fund

This thread is why I think there should be a "Slice & Dice Subforum" on BH. It could even have some kind of warning in the description: "This is where Slice & Dice fans discuss their strategies, often making seemingly counter-intuitive investments in esoteric investment instruments to attempt to pus...
by zaboomafoozarg
Fri Dec 14, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10152
Views: 1787966

Re: U.S. stocks in free fall

Houe wrote:
Fri Dec 14, 2018 2:29 pm
Is there blood in the streets?
Just a nosebleed at this point.
by zaboomafoozarg
Sun Dec 02, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5302

Re: Do you get a year end bonus?

Usually 10-20% of salary. My company used to give 50% bonuses before I started, but the shareholders didn't like it.
by zaboomafoozarg
Sun Dec 02, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 14563

Re: Retirement itch- when did you get it?

When I was 27. Work had been causing me a ton of stress and painful headaches for months. I finally decided I wanted out ASAP, and needed to figure out how to do that. I started googling for retirement, and that was what led me here. I'm still working and things have gotten a little better but I sti...
by zaboomafoozarg
Mon Nov 26, 2018 10:39 pm
Forum: Investing - Theory, News & General
Topic: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October after
Replies: 58
Views: 5436

Re: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October a

mptfan wrote:
Mon Nov 26, 2018 4:46 pm
UpperNwGuy wrote:
Mon Nov 26, 2018 4:48 pm
Some competition was put into the industry in 1974 when John Bogle founded Vanguard.
Yes, but that was long, long ago....
And Vanguard's probably still using the same computers to process transactions that they did back then!
by zaboomafoozarg
Sat Nov 24, 2018 11:57 pm
Forum: Investing - Theory, News & General
Topic: VG site: I wish it were easier to see all conversions
Replies: 9
Views: 910

Re: VG site: I wish it were easier to see all conversions

I've found it's easiest for me just to enter all these transactions into a spreadsheet when I do them. It beats logging into Vangaurd/Fidelity/Schwab's site and finding where the transaction history's been moved to this month.
by zaboomafoozarg
Sat Nov 24, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: You’re Not As Rich As You Think You Are, And That’s Okay
Replies: 20
Views: 6094

Re: You’re Not As Rich As You Think You Are, And That’s Okay

The more I save, the more I realize how little I have.

I felt much better about money when I had almost none.
by zaboomafoozarg
Mon Nov 19, 2018 5:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 225
Views: 18431

Re: Vanguard lowering Admiral level to $3,000?

I just wish they would've lowered VWIUX (int. term tax-exempt Admiral) from $50k.
by zaboomafoozarg
Wed Nov 14, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1608
Views: 223570

Re: QSPIX - thoughts on interesting fund

betablocker wrote:
Wed Nov 14, 2018 3:54 pm
Maybe there should be a separate forum for those interested in factor investing.
I too have suggested a separate subforum here for these types of discussion.
by zaboomafoozarg
Tue Nov 06, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 712
Views: 116706

Re: High Earners - What's Your Profession?

triceratop wrote:
Tue Nov 06, 2018 11:53 am
I'm sorry if I offended you by my playful reminder that we are all very well off here.
Some people take this brag thread very seriously, LOL
by zaboomafoozarg
Sat Nov 03, 2018 11:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18627

Re: Vanguard website "unavailable during weekend of Nov 3"

Don't worry guys, it'll be OK. This kind of thing happens on the internet all the time.
by zaboomafoozarg
Sat Nov 03, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 8660

Re: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]

But if I can save money, continue to build wealth AND have these things by maintaining a job, then no way I’m giving them up to sit at home or do whatever free activity the FIRE people brag that they do. Many people who retire early don't do so on a shoestring. I actually plan to spend quite a bit ...
by zaboomafoozarg
Sat Nov 03, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: What FIRE says to me [Financial Independence, Retire Early]
Replies: 10
Views: 1154

Re: What FIRE says to me

What do you think? That's cool that you liked your job so much, but I'm still planning on quitting my full time job around 45. I've never found a job that was more fulfilling than stressful. The kind of stuff I really want to do doesn't really translate into employment. It may involve me running a ...
by zaboomafoozarg
Sat Nov 03, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 8660

Re: WSJ FIRE

A quote from the article say is all for me: Brandon Ganch, 36, who retired from his job as a software engineer in 2016, said his frugality became an obsession and he stressed over small purchases by his wife. He often got upset when visitors took long hot showers at his former Vermont home or his w...
by zaboomafoozarg
Sat Nov 03, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 8660

Re: WSJ FIRE

If portfolio drops and 4% swr isn’t enough then can you imagine trying to get another job after not working years in your 50s? You’ll be competing with college grads for burger flipping jobs given the probable state of economy in this environment. :D I'd just go get a contract job maintaining legac...
by zaboomafoozarg
Sat Nov 03, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 13036

Re: Core-4 Investing is LIVE! It really is this time!

Aren't those choices pure speculation?? It's definitely a type of speculation, but perhaps not "pure speculation" which seems to imply randomness of choice. For something like small value or REIT tilts, they are chosen because they offered a diversification benefit when overweighted for the last fe...
by zaboomafoozarg
Sat Nov 03, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18627

Re: Vanguard website "unavailable during weekend of Nov 3"

Man, I forgot about this. Just tried to go check on a transfer and got the "Site Temporarily Unavailable". :oops:
by zaboomafoozarg
Thu Nov 01, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: First U.S. Penny Will Be Auctioned for 100 Million Times Its Monetary Value
Replies: 13
Views: 2471

Re: First U.S. Penny Will Be Auctioned for 100 Million Times Its Monetary Value

Wow, that thing is still in great condition! A little too new for my tastes, I prefer Greek and Roman coins. But if someone wanted to give me this one I wouldn't turn them down :)
by zaboomafoozarg
Wed Oct 31, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 13036

Re: Core-4 Investing is LIVE! It really is this time!

Total Economy is my jam! I remember you writing a blog post a long time ago about REIT + SCV tilt as a proxy for small business and real estate, and I've stuck with that allocation ever since. Same 70/20/10 configuration and everything.
by zaboomafoozarg
Sun Oct 28, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18627

Re: Vanguard website "unavailable during weekend of Nov 3"

Dottie57 wrote:
Sat Oct 27, 2018 8:54 pm
Very, very likely the backend is COBOL. Databases on MF computers and batch processing.
I'm 99% sure that it is (or was in the past). I remember looking at software developer job openings there about 5 years ago and seeing that it was a mixture of Java and COBOL.
by zaboomafoozarg
Thu Oct 18, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: flat for the year
Replies: 27
Views: 2604

Re: flat for the year

Tamalak wrote:
Thu Oct 18, 2018 1:52 pm
I sure do wish international would decide to stop being trash for a little while.. :|
I'm just glad I can buy something that doesn't have a PE10 over 30.
by zaboomafoozarg
Fri Oct 05, 2018 10:18 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 198
Views: 11357

Re: Alan Roth doesn't like single premium annuities

The are NOT longevity insurance. This falsehood continues to be spread. The do not protect you from running out of money for old age because they do not protect against inflation for which the risk gets worse and worse the longer you live. You can buy SPIAs that increase payouts by the CPI each year.
by zaboomafoozarg
Tue Oct 02, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: Why won't the US markets average 0-2% (or 10-20%) real returns for a few decades?
Replies: 20
Views: 2873

Re: Why won't the US markets average 0-2% (or 10-20%) real returns for a few decades?

Seriously? Is this how some people really spend their day: thinking of how bad things will be over decades? It's certainly not how I want to spend my life as a human or as an investor. I usually expect and try to plan for bad outcomes, that way I'll end up pleasantly surprised if things aren't awful.
by zaboomafoozarg
Sun Sep 23, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: How do you define your success in our life, career and job?
Replies: 25
Views: 1899

Re: How do you define your success in our life, career and job?

The only goal of my career is to make enough money to retire. Once I can retire, I will have been successful.
by zaboomafoozarg
Thu Sep 13, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Assets Held In Street Name
Replies: 52
Views: 1617

Re: Vanguard Brokerage Assets Held In Street Name

I never saw anywhere to enter my street name when creating my Vanguard account...
by zaboomafoozarg
Mon Sep 10, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: Commodities have never been cheaper - time to buy?
Replies: 46
Views: 5301

Re: Commodities have never been cheaper - time to buy?

Yes, I like commodities now. My portfolio looks something like this: 20% gold 15% crude oil (via long-dated futures) 15% emerging markets equities 10% non-US developed markets equities 25% long term bonds 15% cash Whooey! This the the Contrarian's Cocktail. Well Done! Part of the issue may be job r...
by zaboomafoozarg
Sat Sep 08, 2018 10:27 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1608
Views: 223570

Re: QSPIX - thoughts on interesting fund

As far as Larry Swedroe, my interaction with him on this forum has caused me to think about things a bit differently. It isn't like I dropped everything I was doing before and went 100% with everything he says, but he has helped refine my thinking. Agreed. Our understanding of these concepts differ...
by zaboomafoozarg
Sun Sep 02, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 290
Views: 138669

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

wonder if asset allocation comfort can help, or work longer and have more cushion Asset allocation would probably help to an extent. A lot of people were talking like the whole financial system might be destroyed, so having some real assets like real estate and gold/silver might've helped with the ...
by zaboomafoozarg
Sun Aug 26, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: What non-Vanguard ETFs will you be looking to buy?
Replies: 62
Views: 7086

Re: What non-Vanguard ETFs will you be looking to buy?

Doc wrote:
Sun Aug 26, 2018 2:43 pm
I don't buy odd lots. The bookkeeping would drive me crazy.
What makes odd lots harder to handle than round lots? I've never bought 100 of anything, I just buy based on the amount of money I want to invest, and I've never run into a problem that I know of.
by zaboomafoozarg
Tue Aug 21, 2018 10:09 pm
Forum: Investing - Theory, News & General
Topic: What non-Vanguard ETFs will you be looking to buy?
Replies: 62
Views: 7086

Re: What non-Vanguard ETFs will you be looking to buy?

I'm considering IJS instead of VSIAX for US small cap value, and DLS + DGS instead of VSS for international small cap value.
by zaboomafoozarg
Sun Aug 12, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 151
Views: 20313

Re: International stocks in free fall

The way I'm viewing it, my taxable account is a stand-alone portfolio since I'll hopefully rely on it for about 10 years before I can touch and take anything out of my 401K. I also view it that way because of planned usage in early retirement, and I use VWITX (Vanguard intermediate-term tax-exempt ...
by zaboomafoozarg
Tue Aug 07, 2018 5:23 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 14907

Re: "Age in Bonds" fails almost everyone

75/25 for life, no asset allocation charts needed.
by zaboomafoozarg
Fri Aug 03, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: 3 Levels of Wealth
Replies: 125
Views: 12263

Re: 3 Levels of Wealth

Hopefully in the future I'll get some time to concentrate on scaling Maslow's pyramid instead of just making, saving and worrying about money.
by zaboomafoozarg
Sun Jul 29, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements blog - Argues for all-in-one fund
Replies: 21
Views: 4036

Re: Jonathan Clements blog - Argues for all-in-one fund

(bonds in taxable accounts are tax inefficient) Tax inefficient, but perhaps better from a total-portfolio point of view: https://www.whitecoatinvestor.com/asset-location-bonds-go-in-taxable/ I just use VWITX (US muni fund bonds) in taxable to avoid the federal taxes. I've considered my state-speci...
by zaboomafoozarg
Sat Jul 28, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio: Is it 1937 all over again?
Replies: 45
Views: 6609

Re: Ray Dalio: Is it 1937 all over again?

Blueskies123 wrote:
Sat Jul 28, 2018 11:59 am
Here is Ray's current portfolio, he appears to staying the course.
Interesting, no developed international markets, only emerging with a tilt to Brazil.
by zaboomafoozarg
Sat Jul 28, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Vgd alt strategies fund (vasfx) open to retail investors?
Replies: 37
Views: 3125

Re: Vgd alt strategies fund (vasfx) open to retail investors?

Interesting, it seems I saw this was closed just a couple weeks ago.
by zaboomafoozarg
Fri Jul 27, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: WSJ--Vanguard Sent Erroneous Text Messages to Some 401(k) Customers Messages said loans had been processed
Replies: 12
Views: 1275

Re: WSJ--Vanguard Sent Erroneous Text Messages to Some 401(k) Customers Messages said loans had been processed

This thread is roughly a day and a half old. Only nine responses. I can only imagine how many responses there would be if Fidelity did this instead of Vanguard. Who knows, there might be less. I don't think that an erroneous text message sent to a few people is a really big deal, and certainly not ...
by zaboomafoozarg
Thu Jul 26, 2018 10:46 pm
Forum: Investing - Theory, News & General
Topic: WSJ--Vanguard Sent Erroneous Text Messages to Some 401(k) Customers Messages said loans had been processed
Replies: 12
Views: 1275

Re: WSJ--Vanguard Sent Erroneous Text Messages to Some 401(k) Customers Messages said loans had been processed

The thing is, I think the customer service is probably just fine. Their IT is not. IT problems lead to more customer service inquiries which leads to long wait times both to have your inquiry answered and then to resolve the problem. Having worked with legacy mainframe systems and having heard that...
by zaboomafoozarg
Thu Jul 26, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 11525

Re: Facebook stock in freefall! (20% drop in 1-day)

Did this count as an RBD for Facebook? :D
by zaboomafoozarg
Sun Jul 22, 2018 12:22 am
Forum: Investing - Theory, News & General
Topic: Index-ish fund that lacks FAANG?
Replies: 45
Views: 4843

Re: Index-ish fund that lacks FAANG?

Maybe RVRS? It's a reserve-weighted S&P500 ETF, so FAANG would still be in there but at the lowest holdings amounts. It's still pretty new and small, and I don't own it. But I just saw it the other day and was interested in the idea of holding some of that in conjunction with the total US market fund.
by zaboomafoozarg
Sat Jul 21, 2018 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Since ETFs will be free to trade at VG - any better choices for small/value besides VBR/VSS?
Replies: 11
Views: 1542

Re: Since ETFs will be free to trade at VG - any better choices for small/value besides VBR/VSS?

Be careful what you wish for. :) True, as I thought about this I realized that it could be bad timing. Knowing my luck it probably will be! Would anybody move some assets in VSS, DLS, DGS, IJS, and VBR into DFCEX and/or DFSTX? Thanks! I'm not sure if I'd go to those since they're not really valuey,...