Search found 1965 matches

by linenfort
Sun Feb 25, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 407
Views: 44743

Re: Netflix, Your Current Favorite Show

Not my favorite, but Dirty Money, episode 3 is very interesting.
Valeant Pharmaceuticals, short sellers including Fahmi Quadir...
Good stuff.
by linenfort
Fri Feb 23, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 81
Views: 9460

Re: Can someone help me explain to my wife...?

Hope you didn't sell yesterday!
by linenfort
Wed Feb 21, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 81
Views: 9460

Re: Can someone help me explain to my wife...?

This is a very real and serious issue, even if the topic title makes me smile. Unfortunately, the solution has more to do with human relations than theory, and is thus beyond the scope of this forum. I think bling's post says a lot. The one that shows if you'd hung in there, you'd be x% better off t...
by linenfort
Wed Feb 21, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: Anyone subscribe to Socrates ?
Replies: 18
Views: 1946

Re: Anyone subscribe to Socrates ?

Bogleheads generally keep it simple. Sounds like there needs to be a Socratesheads forum to get the kind of analysis you want. And all questions on that forum should be answered with another question. Someone who knows Socrates or Amstrong had better chime in soon, otherwise: Has this thread run it...
by linenfort
Wed Feb 21, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 39
Views: 2589

Re: Current Vanguard password practices?

Why don't folks check with the "Source" before asking questions here? Also - people always seem to veer off topic - before you know it we will be talking about all kinds of cybersecurity threats and thwarts. God forbid! /s Well, I think the devil is in the details. I didn't like it when there was a...
by linenfort
Wed Feb 21, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 39
Views: 2589

Re: Current Vanguard password practices?

... shouldn’t we also change our passwords regularly? If the password is strong enough and you have no reason to think someone suddenly has your password for some other reason, the answer is no. ... While not really an issue with a password manager, you generally are far more likely to pick a weake...
by linenfort
Wed Feb 21, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 39
Views: 2589

Re: Current Vanguard password practices?

ribonucleic wrote:
Tue Feb 20, 2018 4:29 pm
Typically, a brute force attack would not be directed against the web site itself. Instead, it would be directed against a stolen copy of a database containing account IDs and passwords.

In that case, shouldn’t we also change our passwords regularly?
by linenfort
Wed Feb 14, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: In plain English, please explain what was VIX, what happened to it and why?
Replies: 68
Views: 5840

Re: In plain English, please explain what was VIX, what happened to it and why?

Treasury bills are like buying a farm and leaving the land idle. Nothing produced from it, might rise in value with inflation when the interest rate is considered, but often having such 'gains' taxed. No redeeming qualities whatsoever. Gold is similar, but pays no interest/dividends. Treasury bills...
by linenfort
Fri Feb 09, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13199

Re: "The stock market is officially in a correction... here's what usually happens next"

The Wizard wrote:
Fri Feb 09, 2018 8:14 am
MrPotatoHead wrote:
Fri Feb 09, 2018 1:40 am

LOL, apparently there is a MrPotatoHead and a mrpotatoheadsays, two different user ids.
I don't wanna get between the two of you if you have a disagreement!
Yukon say that again.
by linenfort
Tue Feb 06, 2018 8:30 pm
Forum: Investing - Theory, News & General
Topic: Being a Disciplined Investor - How do you avoid temptations?
Replies: 41
Views: 2719

Re: Being a Disciplined Investor - How do you avoid temptations?

We all know the importance of being a discipline(d) investor but what are the tricks you use to stay discipline(d). I attach guilt to it. When my wife, who doesn’t understand investing and doesn’t care to, hears that the market went down sharply, she sometimes asks if I’m “ok” and if I have a plan....
by linenfort
Tue Feb 06, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: Keep your eye on the owner, not the dog
Replies: 31
Views: 4779

Re: Keep your eye on the owner, not the dog

I like it. Great analogy!
by linenfort
Mon Feb 05, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14623

Re: Vanguard site is crashed now?

greg24 wrote:
Mon Feb 05, 2018 4:26 pm
I demand the site is up so that I can execute my panic trading.
:D
by linenfort
Wed Jan 31, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 75
Views: 7757

Re: New mattress

... Many people here advised to look at review websites – it is right suggestion however there is something you need to know. Casper company purchased both sleepopolis and mattress clarity some time ago and since then reviews there changed especially for casper (which became top mattress according ...
by linenfort
Tue Jan 30, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266463

Re: U.S. stocks in freefall

Bulls can make money. Bears can make money. Pigs get slaughtered. I've seen this quote multiple times, but I'm not sure how this applies to investing. Exactly how does one "piggishly" invest? I think the implication is that one should sell before it's too late, i.e. timing the market, instead of ho...
by linenfort
Fri Jan 26, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: Did a good deed today [talked friend out of VULI]
Replies: 9
Views: 1123

Re: Did a good deed today [talked friend out of VULI]

Could you do one more good deed and edit in what VULI stands for in the initial post?
I know FA is financial advisor.
by linenfort
Wed Jan 24, 2018 5:06 pm
Forum: Investing - Theory, News & General
Topic: In what ways could BogleHeads be badly wrong ?
Replies: 237
Views: 20636

Re: In what ways could BogleHeads be badly wrong ?

- prolonged stagflation crushing both stocks and bonds - absence of asset class diversification outside stocks and bonds - buy and hold may not give adequate recovery in unusually long down turn I think about the above sometimes. Clearly, a classic 60/40 stock/bond portfolio should see more severe ...
by linenfort
Wed Jan 24, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 82
Views: 4888

Re: Post Your Morningstar Box Style

nisiprius wrote:
Sun Jan 21, 2018 6:04 am
But I suspect this thread isn't very useful,
I agree. It's another where people are more likely to post than read.

Stocks
Image
by linenfort
Tue Jan 23, 2018 9:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard chief says "You will never see a bitcoin fund from us"
Replies: 33
Views: 2857

Re: Vanguard chief says "You will never see a bitcoin fund from us"

Yes, we have good taste. That’s our collective forte.
by linenfort
Sun Jan 21, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: VCLT: slight performance difference in fund vs ETF?
Replies: 9
Views: 559

Re: VCLT: slight performance difference in fund vs ETF?

(3)...ETF dividends are reinvested with a market-on-open order a few days later. In my experience, you don't get good pricing on those. Hmm, I didn't know that. (5) They may eventually drop the purchase fee (at which point some of the premium probably disappears). What happens to those who paid the...
by linenfort
Sun Jan 21, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: VCLT: slight performance difference in fund vs ETF?
Replies: 9
Views: 559

Re: VCLT: slight performance difference in fund vs ETF?

Excellent. Factoring in everything else, I still have a reason to stick with mutual funds. Good news.
by linenfort
Sun Jan 21, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: VCLT: slight performance difference in fund vs ETF?
Replies: 9
Views: 559

Re: VCLT: slight performance difference in fund vs ETF?

Aha, I hadn't thought of human error! Thank you.
I've seen that kind of discrepancy before on the pages for other funds, the returns you outlined in bold black, and thought that I was missing something.

Maybe they need to blockchain this, or something.
by linenfort
Sun Jan 21, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard will use blockchain to share index data
Replies: 56
Views: 5794

Re: Vanguard will use blockchain to share index data

In a single sentence:
All transactional parties are advised of all changes to the ledger automatically like an endless chain of reply-all emails.
- from the second article Barry Barnitz posted.
by linenfort
Sun Jan 21, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: VCLT: slight performance difference in fund vs ETF?
Replies: 9
Views: 559

VCLT: slight performance difference in fund vs ETF?

I've looked at various threads and the wiki regarding both Vanguard purchase fees and also ETFs vs mutual funds. I'm just wondering, what accounts for the slight difference (tenths of a percent) in performance between VCLT (Vanguard's long-term corporate bond etf) and its corresponding Admiral share...
by linenfort
Wed Jan 17, 2018 11:15 pm
Forum: Investing - Theory, News & General
Topic: Automatic rebalancing and bond maturity
Replies: 6
Views: 488

Re: Automatic rebalancing and bond maturity

I'm not sure how the calculus of duration of bonds has much to do with this. Seems like an important and basic concept for a new investor to learn, and particularly relevant when that investor writes, From what I understand, to receive the full value of a bond, it's important to hold to maturity.
by linenfort
Tue Jan 16, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 35
Views: 2922

Re: Backup of Sensitive Information

^ That’s a very important point above. ^ If it’s a journal entry I want to keep hidden, I could encrypt plaintext using Paranoia and then hide it in a Veracrypt volume for overkill. If it’s something my wife or parents may need to see in case of emergency, forget it. One password, logged in a notebo...
by linenfort
Tue Jan 16, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (December 2017)
Replies: 12
Views: 1533

Re: madsinger monthly report (December 2017)

Good stuff, and always appreciated.
by linenfort
Mon Jan 15, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 3116

Re: Any high-end skincare products worth it?

By the way, the Skin Deep database from the Environmental Working Group (EWG) lists what chemicals are in which products. If you read for too long, you might be afraid to use anything beyond olive oil soap, but eventually you’ll get over it and go back to your favorite chemical-laced high- (or low) ...
by linenfort
Mon Jan 15, 2018 6:08 am
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 3116

Re: Any high-end skincare products worth it?

... No way am I taking skincare advice from a toad. :happy My wife uses high end stuff ~~ Lancôme, Shiseido, something written in Hangul — and I won’t stop her, but I suspect she just has good DNA. My dermatologist recommended Purpose (cheap) for daily face cleansing without soap, so that’s what we...
by linenfort
Sun Jan 14, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 8223

Re: Credit card keeps getting hacked, even when unused! (4x now!)

I actually agree with madbrain. Whichever is technically correct, I think of hundreds as several hundred and dozens as many sets of 12 minimum, not fourteen.
by linenfort
Sun Jan 14, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 8223

Re: Credit card keeps getting hacked, even when unused! (4x now!)

We still use Fidelity ... Recently, they have given us separate debit card numbers for our joint Fidelity cash account. Good to know. I Wish we could get two separate numbers for credit cards in one household. One for telecom and other auto-billings that are a pain to reset and another for Yeti mug...
by linenfort
Fri Jan 12, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 8223

Re: Credit card keeps getting hacked, even when unused! (4x now!)

Really curious why there is no PIN number required on all purchases yet. That would be ideal. PIN is fine for in-person transactions. As soon as you want to do phone or online transactions, the PIN model does not work, as you would not want to give the PIN to anyone. Most of the cards I use have go...
by linenfort
Fri Jan 12, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 8223

Re: Credit card keeps getting hacked, even when unused! (4x now!)

Alexa9 wrote:
Fri Jan 12, 2018 3:12 pm
Really curious why there is no PIN number required on all purchases yet.
That would be ideal.
by linenfort
Fri Jan 12, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 8223

Re: Credit card keeps getting hacked, even when unused! (4x now!)

GreenGrowTheDollars wrote:
Tue Mar 22, 2016 8:09 pm
Jack FFR1846 wrote:If this happened to my Chase cards, I'd simply dump Chase completely. Plenty of other issuers around.
Is Citibank better? Fidelity's new Visa?
Old thread, but-
my Fidelity Visa card is compromised regularly. Most recently, yesterday. :|
by linenfort
Thu Jan 04, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17810

Re: Buying Real Silver and Gold (Not Bitcoin)

Not bad for a guy who is constantly invoked in gold threads here for the ridiculing metal-fondling quote. :wink: To his credit, I think he bought at a ten- (or twenty?) year low. Some of it, at least. Also to his credit, he admits he sold “early.” I wouldn’t be surprised if Berkshire never bought si...
by linenfort
Thu Jan 04, 2018 5:35 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Patience And Diversification Crucial
Replies: 51
Views: 6454

Re: Larry Swedroe: Patience And Diversification Crucial

I learned a new word: leptokurtic.
Thanks Random Walker & Larry.
by linenfort
Thu Jan 04, 2018 5:23 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17810

Re: Buying Real Silver and Gold (Not Bitcoin)

At the end of 2007, Silver quickly rose and hit $22.86 by Feb-2008. What was going on that would make this happen? Was there inflation fears? Because that would fit the Paradigm. But I don't recall inflation fears at that time. I’m not saying it’s the cause at all, but wasn’t that shortly after Ber...
by linenfort
Thu Jan 04, 2018 5:14 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 27188

Re: Hitting The Sell Button

I’d prefer cheap stocks, but I’m enjoying rebalancing.
I also have new laurel in the backyard. I’ll let you know how the trimming goes.
by linenfort
Mon Jan 01, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: Before buying gold, have a look at these returns since 1975
Replies: 84
Views: 6785

Re: 43 years of Gold returns vs. Cash vs. U.S. stocks

... So when I talk about gold bugs I'm not talking about people who have a diversified portfolio. I'm talking about how people like Gold above all other assets and maybe have cash and gold only or maybe real estate as well but no stocks or bonds. These tend to be the gold bugs I hear about. And bec...
by linenfort
Sat Dec 30, 2017 11:05 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17810

Re: Buying Real Silver and Gold (Not Bitcoin)

grayfox wrote:
Sat Dec 30, 2017 9:58 pm
Crooks: I read that at least one online bullion dealer was hacked and got customer records. So the bad guys have your name, address and know that you bought PMs.
ugh, I think you just gave me some extra gray hairs!
by linenfort
Sat Dec 30, 2017 10:59 pm
Forum: Investing - Theory, News & General
Topic: Before buying gold, have a look at these returns since 1975
Replies: 84
Views: 6785

Re: 43 years of Gold returns vs. Cash vs. U.S. stocks

Most gold bugs I know (a few, albeit a limited sample size) don't ever talk about selling it (which rebalancing requires if/when it outperforms other assets over a short term period as it may have 2008-2010). If they believe in gold so much, why would they ever sell it? craigr, known to many here, ...
by linenfort
Sat Dec 30, 2017 10:54 pm
Forum: Investing - Theory, News & General
Topic: How did you guys do in 1966 - 1980?
Replies: 34
Views: 3264

Re: How did you guys do in 1966 - 1980?

columbia wrote:
Sat Dec 30, 2017 12:06 pm
My father is 81 and started investing with Vanguard in 1974. He sent 3 kids to college in the 80s from the proceeds, so I’d say he did pretty ok.
I'll say. I don't think Vanguard even existed for another year, so he really got in on the ground floor. :D
by linenfort
Sat Dec 30, 2017 5:53 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle’s 5 bold investment predictions for 2018 and beyond.
Replies: 39
Views: 6864

Re: Jack Bogle’s 5 bold investment predictions for 2018 and beyond.

Weren’t predictions already bleak at the end of last year? I can’t remember.
by linenfort
Thu Dec 28, 2017 1:09 pm
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 107
Views: 8618

Re: Is anyone putting money aside into Gold?

McGilicutty wrote:
Thu Dec 28, 2017 7:59 am
When is the last time you or anybody you know bought something with gold?
That's a fair question, but I also don't remember the last time I bought anything in the States with paper euros, and those euros certainly qualify as money.
by linenfort
Thu Dec 28, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17810

Re: Buying Real Silver and Gold (Not Bitcoin)

Yeah, silver is good for giving away, but not for keeping and storing. Gold is compact. Two FYIs... First, I always compare before I make a purchase, but for most coins I usually find a better price on JM Bullion than APMEX. Perhaps JMB should be the default online retailer for your comparisons with...
by linenfort
Wed Dec 27, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 107
Views: 8618

Re: Is anyone putting money aside into Gold?

I have been taking great interest in gold recently and gold mining companies... Has anyone else considered this? Some gold, yes. About 8%: ----- Mostly physical, 1oz bullion coins. Some in gold ETFs like IAU (iShares). No miners . Well, I have old some old RIO and ABX but I can't wait to get rid of...
by linenfort
Wed Dec 27, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 12122

Re: European Cities that don't interest you

JupiterJones wrote:
Wed Dec 27, 2017 1:01 pm
linenfort wrote:
Sun Dec 24, 2017 10:23 am
Chernobyl — maybe I am somewhat interested, but from a distance.
I've heard it gets glowing reviews.
The guy in your avatar would know. 8-)
by linenfort
Tue Dec 26, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Do you have trouble standing firm on your asset allocation?
Replies: 45
Views: 3919

Re: Do you have trouble standing firm on your asset allocation?

Ron Scott wrote:
Sat Dec 23, 2017 8:00 pm
I don't think there's anything particularly valuable in sticking with an asset allocation for long periods of time.
You’d be surprised.