Search found 1945 matches

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: 441

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: 441

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: 441

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: 5550

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: 441

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: 460

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: 2856

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: 1292

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: 2979

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: 2979

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: 7906

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: 7906

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: 7906

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: 7906

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: 7906

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: 17319

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: 6230

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: 17319

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: 222
Views: 24867

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: 6611

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: 17319

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: 6611

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: 27
Views: 1840

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: 6637

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: 8252

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: 17319

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: 8252

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: 11817

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: 3749

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.
by linenfort
Sun Dec 24, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11817

Re: European Cities that don't interest you

Chernobyl — maybe I am somewhat interested, but from a distance.
by linenfort
Sun Dec 17, 2017 10:11 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17319

Re: Buying Real Silver and Gold (Not Bitcoin)

grayfox, there is a ring test for gold coins now that some fakes are passing the diameter, etc, metrics test. I think there’s even an app that listens to the ring.

Not sure about silver.
by linenfort
Fri Dec 15, 2017 8:50 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17319

Re: Buying Real Silver and Gold (Not Bitcoin)

I like these adventures you're going on, grayfox! You learn by doing. Ever seen LOTR. When they have to buy passage on the boat to Laketown, they use silver coins. You can't carry a company with you in your purse, like you can a silver dollar or a 20-dollar gold coin. I mean, my fantasy is to go out...
by linenfort
Tue Dec 12, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Microwave - Reliable built-in with vent?
Replies: 11
Views: 746

Re: Microwave - Reliable built-in with vent?

I cleaned the receptacles where the door latches fit and it’s fixed...for now.
How do you not have space for a hood?

It’s a very narrow space, Bob. Hard to explain, but it would be difficult, and it would look weird. I need a bigger house, but that comes with its own problems. :happy
by linenfort
Tue Dec 12, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Microwave - Reliable built-in with vent?
Replies: 11
Views: 746

Re: Microwave - Reliable built-in with vent?

.. was most likely due to a faulty door switch. The switch costs $10. Without replacing the switch, i used a chop stick to poke on the door larch hole couple times until i can feel the switch pressed down and release. This seems to fix the problem temporarily. I may eventually have to replace the s...
by linenfort
Tue Dec 12, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 49
Views: 3203

Re: Linux based laptop or just a Windows based laptop formatted?

You can get linux laptops from Zareason or system76, but I don’t recommend that. I always like linux for about the first five days after installation. Then, linux brings the pain.
by linenfort
Tue Dec 12, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Microwave - Reliable built-in with vent?
Replies: 11
Views: 746

Re: Microwave - Reliable built-in with vent?

Thanks, pshonore. Ours vents to the outside as well. We wanted a proper hood, but we just don’t have space. I begrudgingly got rid of a perfectly good 10-year-old countertop model when we renovated and replaced our dead built-in. It’s been a great 2 1/2 years, but now we’ve got a problematic built-in.
by linenfort
Tue Dec 12, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Microwave - Reliable built-in with vent?
Replies: 11
Views: 746

Microwave - Reliable built-in with vent?

Our microwave likes to turn itself on lately. Not at 3AM when we're asleep (as far as I know), but when we close the door, before we press any buttons. It also doesn't respond to the stop button when it's not in the mood. Now, it may not even fit our space, but has anyone had a good 2-year or longer...
by linenfort
Sun Dec 10, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard economic and market outlook for 2018
Replies: 33
Views: 3461

Re: Vanguard's 2018 Outlook has extremely low expected returns

That's ok. We're getting all our returns right now.
by linenfort
Sat Dec 09, 2017 1:38 pm
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 184
Views: 13074

Re: One answer to the Dividend stocks puzzle from behavioral finance

Well that looks like an excellent book and it’s going into my library soon. Thanks for the recommendation! When your name is Statman, you’ve got to know your stats. Part of my portfolio exists because of irrationality. Oh well. I also eat some foods that aren’t healthful, such as cookies, but psycho...
by linenfort
Mon Dec 04, 2017 10:33 pm
Forum: Investing - Theory, News & General
Topic: Craig Rowland not blogging anymore on Permanent Portfolio.
Replies: 34
Views: 5750

Re: Craig Rowland not blogging anymore on Permanent Portfolio.

staythecourse wrote:
Fri Dec 01, 2017 9:41 am
What is Mr. Rowland up to? If I remember correct he has had a pretty interesting professional life. Anybody know what his next adventure is?
https://www.sandflysecurity.com/
by linenfort
Wed Nov 29, 2017 4:26 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 10098

Re: Which crash have you seen it before it is coming?

My dad sensed the last one...and still lost money.
by linenfort
Wed Nov 29, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Beware Amazon Price Gouging
Replies: 74
Views: 9453

Re: Beware Amazon Price Gouging

I wonder how often camelcamelcamel updates, because it gets a different price than I see. For example, Columbo Season One on DVD (ASIN B00DZP1C4K; please don't comment on my viewing tastes :happy ) is reportedly down to $9.99, which it used to be in my shopping cart. However, it's $16.23 in my shopp...
by linenfort
Tue Nov 28, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5470

Re: Etiquette question: going out to dinner with friends and how to split the bill

... What do you do when you go out to dinner with friends? ... We typically split the bill without regard to what people order, drink etc. I do not like it because I feel limited as that I typically like the rib eye ... I have three options: 1. Order what every body else orders. ( social herd menta...
by linenfort
Mon Nov 27, 2017 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 11212

Re: Didn't buy Bitcoin at $4600

... I can't tell if you are being sarcastic or serious. Given the medium of conversation we are using, I would recommend you make your points less ambiguous, if you can. Real money is riding on this and folks are making real decisions. He’s being sarcastic. Probably should use an s & slash, ie sarc...
by linenfort
Fri Nov 24, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Beware Amazon Price Gouging
Replies: 74
Views: 9453

Re: Beware Amazon Price Gouging

Thank you for the camel x3 heads up. Very useful site! I’ve spent too much time watching my cart changes over the years.
by linenfort
Fri Nov 24, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Hooking up Light without a plug point
Replies: 7
Views: 781

Re: Hooking up Light without a plug point

How about a sensor - https://www.amazon.com/dp/B00JLB0GM6/_e ... 2CI3KLS16M

There are LED lights that work nicely with USB and thus powerbanks, but that seems more appropriate for a closet than a pantry. Well, how large is the pantry?
by linenfort
Thu Nov 23, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 5011

Re: Best Basic DESKTOP?

heybro wrote:
Wed Nov 22, 2017 12:30 am
All I need a computer for is email, internet surfing, watching some videos, and storing pictures/videos.
Mac mini and any old wired (USB) mouse. Keep your old monitor.
by linenfort
Thu Nov 23, 2017 8:36 am
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 263
Views: 36969

Re: What is Bitcoin?

This thread makes me wish for a crypto currency pegged to the dollar. Oh I found one called Tether. Great!... And, I see it was hacked two days ago. Never mind. Carry on.
by linenfort
Tue Nov 21, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: Savor credit card
Replies: 20
Views: 2086

Re: Savor credit card

I don't know if it affects the card, but this just in:
Uber's customer data has been breached.