Search found 1979 matches

by linenfort
Wed Apr 18, 2018 12:06 pm
Forum: Investing - Theory, News & General
Topic: Why is the SEC yield the one that Vanguard displays?
Replies: 30
Views: 2888

Re: Why is the SEC yield the one that Vanguard displays?

Makes sense, Kevin.
Thanks for the clear explanation.
by linenfort
Tue Apr 17, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: Why is the SEC yield the one that Vanguard displays?
Replies: 30
Views: 2888

Re: Why is the SEC yield the one that Vanguard displays?

So, if you are choosing a fund, the distribution yield is the yield you "would have gotten" and the SEC yield is the yield you "probably will get." Looks like holders of VSBSX, defined above, will get half the yield of the SEC figure, if things remain the same. Still, if that's the requirement, as ...
by linenfort
Tue Apr 17, 2018 9:18 am
Forum: Investing - Theory, News & General
Topic: Why is the SEC yield the one that Vanguard displays?
Replies: 30
Views: 2888

Why is the SEC yield the one that Vanguard displays?

Example: Looking at Vanguard's own short-term treasury fund (VSBSX, #1942). Yield is 2.25%. You can see the definition when you click the 'A': A — BASED ON HOLDINGS' YIELD TO MATURITY FOR PRIOR 30 DAYS;DISTRIBUTION MAY DIFFER Ok, fair enough. There's your caveat. But if my most recent statement read...
by linenfort
Tue Apr 17, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: "The Only Investment Guide You'll Ever Need" Kindle daily deal
Replies: 7
Views: 1545

Re: "The Only Investment Guide You'll Ever Need" Kindle daily deal

egghead wrote:
Mon Apr 16, 2018 9:20 am
Andrew Tobias's book "The Only Investment Guide You'll Ever Need" is one of today's Kindle daily deals at $1.99.
Thank you!
by linenfort
Fri Apr 13, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Best Leather Checkbook
Replies: 15
Views: 808

Re: Best Leather Checkbook

Looking for a decent checkbook. I don't want a bunch of features (calculator, multiple use wallet, pattern exterior, etc.) just a simple leather checkbook. This will be for personal checks (not page size) Ah, I wish you had asked when I was searching Amazon for the same. I ended up going with a pla...
by linenfort
Sun Apr 08, 2018 10:07 am
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 147
Views: 13636

Re: Is anyone putting money aside into Gold?

I can buy all the SGOL and GLD I want, but if I want to buy physical, local dealers don't have any to sell. I called my local dealer that is listed on US Mint website several times and gave up. I don't trust online sources because of the tungsten stories. Why is a local dealer safer than a reputabl...
by linenfort
Sat Apr 07, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61812

Re: Netflix, Your Current Favorite Show

Babylon Berlin series about Germany in the 1930s. At times a little hard to follow, but very entertaining. Musical score (especially some big band jazz numbers) is great too and can be found on Spotify. +1 Excellent, excellent show. It certainly gets convoluted, but questions get answered near the ...
by linenfort
Tue Apr 03, 2018 8:36 am
Forum: Forum Issues and Administration
Topic: Abbreviations
Replies: 10
Views: 1054

Re: Abbreviations

The ones that annoy me and seem particularly lazy are abbreviations that stand for more than one term. For example, FI is used for both Fixed Income and Financial Independence. You can usually get it from the context, but not always, and certainly not always without wasting some time on it. Maybe if...
by linenfort
Fri Mar 30, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3497
Views: 986160

Re: What Movie Have You Recently Watched?

The Zen Diaries of Garry Shandling,

Parts 1 & 2.
by linenfort
Sun Mar 25, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21681

Re: Anyone Deleting Facebook?

I reactivate every few years to check in on people and then vanish again.

I’m definitely going to download my data, as I’m curious to see what’s been collected.

Erik Hagerman doesn’t need to worry about this stuff.
by linenfort
Thu Mar 15, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 316
Views: 33881

Re: What if you only live off dividends?

I love it! He's very Bogleheadish. Warren Buffett is a good study in this regard. When asked why he won't move to a bigger, fancier house, he says "because it won't make him happier" Then again, he does have an $11MM Laguna beach house, but perhaps he doesn't spend enough time there for it to count....
by linenfort
Wed Mar 14, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 316
Views: 33881

Re: What if you only live off dividends?

Leesbro63 wrote:
Wed Mar 14, 2018 10:36 am
Warren Buffett is a good study in this regard. When asked why he won't move to a bigger, fancier house, he says "because it won't make him happier"
Then again, he does have an $11MM Laguna beach house, but perhaps he doesn't spend enough time there for it to count. :happy
by linenfort
Sun Feb 25, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61812

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: 9937

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: 9937

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: 2174

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: 2788

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: 2788

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: 2788

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: 6080

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: 13591

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: 2851

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: 4892

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: 15218

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: 8354

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: 6393
Views: 1371611

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: 1175

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: 244
Views: 22675

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: 88
Views: 5992

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: 2902

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: 610

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: 610

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: 610

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: 5985

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: 610

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: 497

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: 3041

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: 1594

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: 3189

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: 3189

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: 8615

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: 8615

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: 8615

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: 8615

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: 8615

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. :|