Search found 7716 matches

by bertilak
Mon Sep 28, 2020 6:46 pm
Forum: Personal Investments
Topic: VFIAX question for today 9/28
Replies: 6
Views: 399

Re: VFIAX question for today 9/28

how come the VFIAX index at Vanguard today hit 1.18% instead of 1.61% ? end of market day it was around 1.6% on my phone and then few hours later it updated itself considerably lower to 1.18% any reasoning? I called Vanguard but they didn't give me a good answer whatsoever Dividend pays tomorrow/re...
by bertilak
Mon Sep 28, 2020 6:31 pm
Forum: Personal Investments
Topic: VFIAX question for today 9/28
Replies: 6
Views: 399

Re: VFIAX question for today 9/28

how come the VFIAX index at Vanguard today hit 1.18% instead of 1.61% ? end of market day it was around 1.6% on my phone and then few hours later it updated itself considerably lower to 1.18% any reasoning? I called Vanguard but they didn't give me a good answer whatsoever I suspect it has to do wi...
by bertilak
Mon Sep 28, 2020 11:02 am
Forum: Investing - Theory, News & General
Topic: VTSAX- is it overvalued as a result of the tech influence
Replies: 13
Views: 1384

Re: VTSAX- is it overvalued as a result of the tech influence

I have am concerned that VTSAX/VTI is over priced as a result of the influence of the tech stocks that make up its top 10 holdings. Is it not the investment vehicle it once was because of companies like Apple and the impact they have on VTSAX. Yes, the VTSAX price is influenced by "the tech stocks ...
by bertilak
Sat Sep 26, 2020 1:57 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4606
Views: 1280996

Re: What Book Are You Currently Reading? Part VI

But I do have a weakness for Victorian novels, now starting my first Trollope novel, The Way We Live Now. Hoping for a good story. I have read two Trollope novels: The Warden and Barchester Towers . I enjoyed both very much. From my review of Barchester Towers : As much as I liked The Warden , I li...
by bertilak
Sat Sep 26, 2020 8:43 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4606
Views: 1280996

Re: What Book Are You Currently Reading? Part VI

Just finished Two on a Tower , by Thomas Hardy ... one of the protagonists is a twenty-year-old amateur astronomer, without money or social status, but with ambitions of someday becoming the Astronomer Royal. ... He falls in love with a wealthy twenty-eight-year-old woman, whose abusive husband has...
by bertilak
Fri Sep 25, 2020 10:32 am
Forum: Personal Investments
Topic: Were mutual fund share numbers rounded down when transferring from Vanguard to Merrill Edge?
Replies: 13
Views: 614

Re: Were mutual fund share numbers rounded down when transferring from Vanguard to Merrill Edge?

Only full shares are transferred. Is this due to the specific circumstances of this case? Your case is not a transfer between brokerage firms. Well then, that might be the answer, at least in part. Thanks Googling ACAT I did find the following at https://www.reddit.com/r/investing/comments/8uuet2/w...
by bertilak
Fri Sep 25, 2020 9:50 am
Forum: Personal Investments
Topic: Were mutual fund share numbers rounded down when transferring from Vanguard to Merrill Edge?
Replies: 13
Views: 614

Re: Were mutual fund share numbers rounded down when transferring from Vanguard to Merrill Edge?

David Jay wrote: Fri Sep 25, 2020 8:46 am Only full shares are transferred.
Is this due to the specific circumstances of this case?

I often gift shares on an "in kind" basis and fractional shares have always transferred. In my case it is always from one Vanguard account to another Vanguard account.
by bertilak
Fri Sep 25, 2020 9:43 am
Forum: Personal Investments
Topic: How to get $200,000 into the market (dollar cost averaging or...)
Replies: 40
Views: 3355

Re: How to get $200,000 into the market (dollar cost averaging or...)

His argument was "what if you put that lump sum in October 2007?" So I think it was more than behavioral, except maybe for the fact that doing the lump sum at a bad near-term timing could have scared someone away from investing at all. So I guess you could argue either way as to what he was implyin...
by bertilak
Thu Sep 24, 2020 1:41 pm
Forum: Investing - Theory, News & General
Topic: I dont understand compound interest.
Replies: 47
Views: 4707

Re: I dont understand compound interest.

Definition of Compound Interest from Investopedia: Compound interest is the addition of interest to the principal sum of a loan or deposit, or in other words, interest on interest. It is the result of reinvesting interest, rather than paying it out, so that interest in the next period is then earne...
by bertilak
Thu Sep 24, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: Consumer Printer Prices
Replies: 33
Views: 1824

Re: Consumer Printer Prices

Is it worth paying $400 for a new old stock inkjet printer on eBay that once sold for around $100 at most big box stores a few years ago? Based on sold listings a lot of people are,but I don't know if this is rational. What if there is an error code right out of the box? No, inkjets clog, whether y...
by bertilak
Thu Sep 24, 2020 9:15 am
Forum: Personal Investments
Topic: How to get $200,000 into the market (dollar cost averaging or...)
Replies: 40
Views: 3355

Re: How to get $200,000 into the market (dollar cost averaging or...)

I would dollar cost averaging for psychological reasons. Past data suggests that lump sum is better. (I don't remember but I think it is better about 2/3 of the time.) Your psychology may not be the same as the OP's. History shows lump sum results are better 2/3 of the time but logic (and common se...
by bertilak
Thu Sep 24, 2020 6:59 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2149
Views: 227538

Re: [What TV Show Have You Recently Watched?]

We are seeing some of the same actors showing up in these series (not characters; the actors). It's a bit fun to spot them for the first time in another series. (It's not really surprising, just interesting and fun.) And if they haven't made it into Midsomer Murders they just haven't made it! One o...
by bertilak
Wed Sep 23, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2149
Views: 227538

Re: [What TV Show Have You Recently Watched?]

Mr. Lucky , 1959-1960 Like Peter Gunn , a Blake Edwards production with Henry Mancini music. Staring John Vivyan, an actor I never heard of although he did appear occasionally in several popular shows: Simon & Simon, WKRP in Cincinnati. Co-staring Ross Martin, as sidekick Andamo. He had a much more...
by bertilak
Wed Sep 23, 2020 9:48 am
Forum: Investing - Theory, News & General
Topic: I dont understand compound interest.
Replies: 47
Views: 4707

Re: I dont understand compound interest.

Working out the math fully: Let's start by focusing only on the 4000 invested in the first year. After 1 year it's 4000*1.08 = 4320. After 2 years it's 4320*1.08 = 4665.60, or put another way it's 4000*1.08*1.08 = 4665.60. After 3 years it's 4000*1.08*1.08*1.08 = 4000*(1.08^3) = 5038.85. And so on,...
by bertilak
Wed Sep 23, 2020 7:17 am
Forum: Personal Investments
Topic: My four plan vanguard portfolio !
Replies: 40
Views: 3981

Re: My four plan vanguard portfolio !

There’s not much difference in performance between S&P 500 and Total US market. So I wouldn’t bother with both, except perhaps as a partner if you want to do tax-loss harvesting at some point in the future. And in that case you would be holding only one or the other at any point in time. TSM and S&...
by bertilak
Tue Sep 22, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

is this quicken still popular? why? "Popular" may be an overstatement. "A highly useful financial tool in a non-competitive environment" would be how I would describe it. I've said this before, but I'll say it again. Quicken is the only program that includes forward-looking cash flow forecasting ca...
by bertilak
Tue Sep 22, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

And....since we are talking about financial data... if there were to be a bug that was discovered later all your output could be bad. Isn't this exactly what OP experienced with Quicken? He lost all his data because of Quicken's incompetency. I wouldn't jump to that conclusion, though it is a possi...
by bertilak
Tue Sep 22, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

There seems like a disconnect here. If the entire system was restored bit for bit to a known good state (Quicken worked on that day), then there is no way that it wouldn't work after the restore. It sounds like a partial restore (file level) was being done instead of a full system rollback. Unless ...
by bertilak
Tue Sep 22, 2020 8:18 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

I can't emphasize enough that making backups is only half of the problem. Nothing counts until you know how to restore from a backup. In my case, I will emphasize that ALL the backups and ALL the restores went perfectly, as far as I can tell. The problem was in Quicken's inability to open those (ap...
by bertilak
Tue Sep 22, 2020 7:12 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

If I were to do something different I'd probably just use excel in combination with the new 365 account download capability, but at this point I see no point in reinventing the wheel. I hold that out as a hope but have not given it a try because I don't think it will preserve the decades of data I ...
by bertilak
Mon Sep 21, 2020 10:52 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

JBTX wrote: Mon Sep 21, 2020 9:12 pm
sambb wrote: Mon Sep 21, 2020 8:58 pm is this quicken still popular? why?
Because, warts and all, it is the only thing that I have seen or read about that does what it does.

What do you suggest as an alternative?
That's the problem -- there is no alternative.
by bertilak
Mon Sep 21, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

Not that you did anything wrong, but is there anything you will do differently going forward? Since, as I mentioned above, I don't know what to "pin it on" I don't know what to fix. Not that there’s anything wrong in a large history file, I think I will examine cutting my file off as of some date. ...
by bertilak
Mon Sep 21, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

So I had backup overkill, remote and local, multiple backup programs. It’s not the backup process that failed you, it is the restore process. You had a full system image, but not a good way to use it without nuking your working system (working except for Quicken of course). Totally get the hesitati...
by bertilak
Mon Sep 21, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

TomatoTomahto wrote: Mon Sep 21, 2020 3:09 pm Not that you did anything wrong, but is there anything you will do differently going forward?
Since, as I mentioned above, I don't know what to "pin it on" I don't know what to fix.
by bertilak
Mon Sep 21, 2020 4:14 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

So I had backup overkill, remote and local, multiple backup programs. It’s not the backup process that failed you, it is the restore process. You had a full system image, but not a good way to use it without nuking your working system (working except for Quicken of course). Totally get the hesitati...
by bertilak
Mon Sep 21, 2020 2:22 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

Congrats on your success after such an arduous process. I also have data going back decades, and this saga made me wonder how much of it I should keep. 8 years? Keep a complete file and a smaller more recent file? I thought I was safe because I have cloud backups that support versioning. Now I’m no...
by bertilak
Mon Sep 21, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: Hauling Heavy Load in Trunk of Car: Advice, please.
Replies: 21
Views: 1049

Re: Hauling Heavy Load in Trunk of Car: Advice, please.

I have an Infiniti M37. I have to place 230 lbs of weight in the trunk. According to my research, my car is rated to haul about 1K of weight. My weight brings the total to less than 50% of the limit. Should I anticipate any problems in hauling this weight, and is there any mitigation measures I sho...
by bertilak
Mon Sep 21, 2020 6:36 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

2. Create a transaction "report" and export it to Excel. (This option is not easy to find but it's there at least in 2016 version) Thanks. I did not know that reports could be exported to excel. I get a "bugsplat" if I try to expert a transaction report for all accounts, all dates. More selective r...
by bertilak
Sun Sep 20, 2020 11:36 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

on the left hand bar with all the accounts, right above banking you should see "All Transactions". Click on that, then it gives you a register, and you can select the various options for time and other settings. Once created, you can export it to Excel, using the Utilities button on the right. Edit...
by bertilak
Sun Sep 20, 2020 11:23 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

on the left hand bar with all the accounts, right above banking you should see "All Transactions". Click on that, then it gives you a register, and you can select the various options for time and other settings. Once created, you can export it to Excel, using the Utilities button on the right. Edit...
by bertilak
Sun Sep 20, 2020 8:20 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

https://community.quicken.com/discussion/7857954/how-i-can-export-all-activity-and-accounts-to-excel Those instructions don't seem to match what I see when I try to follow them. The very first step is: Click on Banking in the left sidebar. This create a register of all your banking (cash, checking,...
by bertilak
Sun Sep 20, 2020 7:44 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

RetiredAL wrote: Sun Sep 20, 2020 7:19 pm Now that you have access to your data, I suggest you look into keeping an extra backup copy of your data in CSV format.
How do I do that?

I don't see an option for that under "file export" or "file operations."
by bertilak
Sun Sep 20, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

Now would be a good time to double-check your backup set to make sure you are backing up ALL the Quicken program and data files, since your previous restores didn't work and that's a clue that something's wasn't right there. Do a manual backup before anything else. Glad it is working for you! :beer...
by bertilak
Sun Sep 20, 2020 7:03 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

michaeljc70 wrote: Sun Sep 20, 2020 6:53 pm Great news! Did you get the update from the day or two?
Actually, I tried one from a month ago -- close enough that transaction download would capture anything newer. I had already tried one from about that date without any luck.
by bertilak
Sun Sep 20, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

OK, NOW EVEN MORE FINAL STATUS! It suddenly stated working! Don't know if I should just accept that and move on (whistling in the dark?) or try to figure it out. Maybe Alzheimers is catching up with me! (And the three Quicken people who tried to help?) I did a validate (see below). I could find no ...
by bertilak
Sun Sep 20, 2020 3:47 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

You haven't mentioned it (or I may have missed it), so I'm curious as to what, if anything, you find in the various log files viewed through Quicken's interface (Help | Log Files) and the various Windows logs seen through Windows Event Viewer. Since you've gone way past this basic troubleshooting, ...
by bertilak
Sun Sep 20, 2020 2:04 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

I reinstalled Quicken on another computer and nothing changed: cannot open older Quicken data files. Did you install the full drive image you have from Acronis onto a different computer? I can’t see that not getting you back to a working state. Don’t try restoring pieces, do a full image restore. N...
by bertilak
Sun Sep 20, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

FINAL (?) STATUS. Bottom line, I have given up on getting back my old data. (Unless a future Quicken Update can open one of my older data files, thus the above question mark.) I reinstalled Quicken on another computer and nothing changed: cannot open older Quicken data files. The reinstalled Quicke...
by bertilak
Sun Sep 20, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5805
Views: 1383641

Re: What Movie Have You Recently Watched?

The Great Outdoors , at a drive-in movie. This is a comedy with John Candy and Dan Ackroyd. A family vacation in the northwoods, becomes a disaster when the obnoxious brother-in-law and his family show up uninvited. Anything with John Candy is worth watching. Two top contenders, BOTH directed by Jo...
by bertilak
Sat Sep 19, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

kevinf wrote: Sat Sep 19, 2020 1:57 pm If you aren't going to use your backups when you need them, might as well just delete them and stop backing up entirely.
I have tons of backups. I tried several of them over a wide variety of dates. All fail the same way.
by bertilak
Sat Sep 19, 2020 10:54 am
Forum: Personal Investments
Topic: Portfolio shift
Replies: 9
Views: 568

Re: Portfolio shift

Do I pay taxes if I liquidate the funds into an account's settlement fund then reinvest that money into new investments? I won't be moving any money outside the account. If you sell at a gain in your brokerage account, yes...there will be taxes unless you are in a very low tax bracket. If you sell/...
by bertilak
Fri Sep 18, 2020 5:44 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

Sorry about that. I just tested my link and it worked for me. Here, I'll try it again. Maybe the period was at issue. http://www.quicknperlwiz.com/quicken-patches-us.html If it still doesn't work, you might either type in manually, or google "older Quicken mondo patches". This guy's entry is about ...
by bertilak
Fri Sep 18, 2020 5:16 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

Page does not load.
My (always reliable) Magic 8-ball says "Ask again later."
by bertilak
Fri Sep 18, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

You could even, if this doesn't work, get fancy and get a mondo patch from back on a date earlier that this problem started. But I would start simple with the current patch. ... install an older version and turn off updates. It may work again with a later update. The developers are probably less cl...
by bertilak
Fri Sep 18, 2020 1:28 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

I hate to bring this up, but often times malware deletes all your restore points when it infects your machine, to prevent you from rolling back. Now you have me concerned. That's a bit short of scared! I have three things that should protect me from that... Windows 10 built-in protection, which is ...
by bertilak
Fri Sep 18, 2020 11:39 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

I don't have any more advice beyond what I said above, but this issue got me thinking. Maybe it would be wise to start creating annual reports and saving them in Excel format in case things do go south at some point for me. I am thinking an expense/income report (by category), portfolio with cost b...
by bertilak
Fri Sep 18, 2020 10:33 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

I’m out of suggestions, but tend to agree with an earlier poster who suggested giving Quicken support another try. Here’s how a super user from the community support forum said it: “ It may be time to have support remote into your system to better understand what's the issue.” Remote already done b...
by bertilak
Fri Sep 18, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

You might be able to restore the older version of Quicken before updating through Windows recovery. Instructions under “Restore from a system restore point”. https://support.microsoft.com/en-us/help/12415/windows-10-recovery-options "No restore points..." It says restore points are used to "undo un...
by bertilak
Fri Sep 18, 2020 9:20 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

theta wrote: Thu Sep 17, 2020 6:12 am If you haven’t already, I’d suggest you post your problem to the quicken community forum.
Here’s a link to a post with symptoms that sound somewhat like yours:

https://community.quicken.com/discussio ... to-startup
Been there. Done that.
by bertilak
Fri Sep 18, 2020 9:19 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

When you said: I also use Acronis True Image for backup and did some restores from there and restored backups made by Quicken itself. Did you restore the entire image or just pull the Quicken files out? If you restored the entire image - which should include the previously working version of Quicke...