Search found 1447 matches

by bayview
Tue Sep 11, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 9630

Re: vanguard "Go to Holdings Summary" vs "Balances and holdings"

So far, so good. With all the IT and web design majors, can't they come up with non-startling + user-friendly + effective + efficient interfaces? I'm one of those old you-know-whats who rears back on its hind legs when a habitual click takes me to something completely unfamiliar. Simple and streamli...
by bayview
Wed Aug 29, 2018 12:23 am
Forum: Investing - Theory, News & General
Topic: Investing in Vanguard funds via Fidelity
Replies: 16
Views: 3074

Re: Investing in Vanguard funds via Fidelity

I have Vanguard ETFs in my Fidelity accounts. I think Vanguard would say that's a great approach and they'd be quite happy if millions of additional retail investors did the same. The expense of thousands of customer service reps is a big drag on efficiency. You might need to pay for a couple round...
by bayview
Wed Aug 22, 2018 9:16 pm
Forum: Investing - Theory, News & General
Topic: Cash Flow Gain Primary Residence
Replies: 152
Views: 4366

Re: Cash Flow Gain Primary Residence

middistance runner is truly an endurance athlete. :D Ahahahahahaha :sharebeer I am particularly enjoying moderator triceratops’s avatar, which supplies the perfect touch to his role as referee in this joust (which he is doing admirably.) And in fact, I’ve learned a lot in this debate! Food for thou...
by bayview
Tue Aug 21, 2018 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5082

Re: Do you go for annual Medicare preventive tests and screening?

Medical coding professional here. I work for the VA, and we don’t bill Medicare (“It’s like robbing Peter to pay Paul”), so I try desperately to avoid Medicare weirdness, at least while on the job. But here is my take from a coding perspective: From the initial discussions, it sounds like the confli...
by bayview
Tue Aug 21, 2018 10:48 pm
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 69
Views: 4616

Re: You Invest from JP Morgan

edit: dupe

—why do these happen, anyway? I thought the software prevented them, but it seems not.
by bayview
Tue Aug 21, 2018 10:48 pm
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 69
Views: 4616

Re: You Invest from JP Morgan

"Now that I've made all the trades I needed to make, what will I do with the eighty-nine I have left? I wouldn't want to waste them!" You Invest users are 15 years younger on average than clients of the bank's human financial advisors... https://youtu.be/qNWvdtt5sxs?t=47 When the shades of night ar...
by bayview
Tue Aug 21, 2018 10:44 pm
Forum: Investing - Theory, News & General
Topic: Cash Flow Gain Primary Residence
Replies: 152
Views: 4366

Re: Cash Flow Gain Primary Residence

Ok, a subjective safety margin. You are fiscally conservative, so I can certainly accept that. Thank you for clarifying.
by bayview
Tue Aug 21, 2018 10:33 pm
Forum: Investing - Theory, News & General
Topic: Cash Flow Gain Primary Residence
Replies: 152
Views: 4366

Re: Cash Flow Gain Primary Residence

Which is why I asked why the demand for a 20% advantage for ownership. If owning costs $1 less than renting, is that not positive? (however weak) The requirement for a 20% advantage makes me wonder if other factors are in play but not expressed7. Does it take 20% to overcome some subjective distast...
by bayview
Tue Aug 21, 2018 10:23 pm
Forum: Investing - Theory, News & General
Topic: Cash Flow Gain Primary Residence
Replies: 152
Views: 4366

Re: Cash Flow Gain Primary Residence

Hi, I am looking for advice from folks with more knowledge in real estate. Assuming 20% down payment and 30 years fixed rate mortgage, what would be the number that I should look at to make my primary residence cash flow positive? A) No, I am not renting out the rooms. B) In this context, I am assu...
by bayview
Tue Aug 21, 2018 9:41 pm
Forum: Investing - Theory, News & General
Topic: Cash Flow Gain Primary Residence
Replies: 152
Views: 4366

Re: Cash Flow Gain Primary Residence

Hi, I am looking for advice from folks with more knowledge in real estate. Assuming 20% down payment and 30 years fixed rate mortgage, what would be the number that I should look at to make my primary residence cash flow positive? A) No, I am not renting out the rooms. B) In this context, I am assu...
by bayview
Tue Aug 21, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card to Pay off Overpayment of Student Debt
Replies: 18
Views: 1558

Re: Credit Card to Pay off Overpayment of Student Debt

Your Fico scores will take a temporary hit due to high utilization on the credit card, but there is no “history“ in credit scoring for utilization. If you pay your card down enough to get your balance below 90%, it won’t be quite so bad, and once you pay off the card, it will be as if it never happe...
by bayview
Tue Aug 21, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 8699

Re: Edward Jones rep door knocking

Really? I guess this is one of those things that just depends. In the last few years I have answered the door while not expecting anyone only to find: Delivery people in "non-company" vehicles. (Numerous times--probably would have left the item, but who knows?) A neighbor bringing a package of ours...
by bayview
Tue Aug 21, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: 60/40 vs 100% with Trailing Stop Loss
Replies: 36
Views: 2281

Re: 60/40 vs 100% with Trailing Stop Loss

Welcome to Bogleheads! Since you like having equities, why not a non-percentage approach? Since you’re close to retirement, I assume that you have a good estimate of your cash needs beyond what you might get from a combo of SS, any pension, and any annuities. Take that figure and multiply it by 3 ye...
by bayview
Tue Aug 21, 2018 7:41 am
Forum: Investing - Theory, News & General
Topic: 4 week Treasury bills didn't pay out on time?
Replies: 3
Views: 945

Re: 4 week Treasury bills didn't pay out on time?

Didn't I read a recent post that it would settle late this month, due to some requirement that 4-week bills be issued on the same #th Thursday of each month? --shaky on details, as you can see, but it was apparently due to the month-is-longer-than-four-weeks-except-February-but-not-in-a-leap-year bit.
by bayview
Tue Aug 21, 2018 7:37 am
Forum: Investing - Theory, News & General
Topic: Another reason to be wary of international stocks...
Replies: 22
Views: 3498

Re: Another reason to be wary of international stocks...

Blue Line Jumps 11 Percent NEW YORK–Excitement swept the financial world Monday, when a blue line jumped more than 11 percent, passing four black horizontal lines as it rose from 367.22 to 408.85. It was the biggest single-day gain for a blue line since 1994. https://i.kinja-img.com/gawker-media/im...
by bayview
Fri Aug 17, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: Matter/Scatter part 8: Small-caps
Replies: 5
Views: 978

Re: Matter/Scatter part 8: Small-caps

The final chart with micro-caps (BRSIX) does seem to show a noticeable contrast to the baseline 60/40. In your opinion, is that due to the different time frame (used by necessity), or is there something else going on? I don't know. The contrast isn’t as dramatic now that the fifth chart was updated...
by bayview
Fri Aug 17, 2018 7:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 60
Views: 5834

Re: Vanguard Switch to Brokerage Accounts

...There's no way Vanguard is going to keep its mutual-fund-only account platform going simply for helping the employees of its competitors. Nor for a decreasing and aging minority of its own investors. Like it or not, brokerage accounts are where all mutual fund investing will happen by individual...
by bayview
Fri Aug 17, 2018 7:13 am
Forum: Investing - Theory, News & General
Topic: Matter/Scatter part 8: Small-caps
Replies: 5
Views: 978

Re: Matter/Scatter part 8: Small-caps

Nisi, the fourth and fifth charts appear identical. Were the returns of NAESX and DFSCX that similar, or did something happen with the chart? The final chart with micro-caps (BRSIX) does seem to show a noticeable contrast to the baseline 60/40. In your opinion, is that due to the different time fram...
by bayview
Sat Aug 11, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Post Mortem Settlement
Replies: 59
Views: 4537

Re: Post Mortem Settlement

Good library reads: Jessica Mitford’s “The American Way of Death” and her updated “The American Way of Death Revisited,” the latter published posthumously. (They deal with the funeral industry, not the overall issues mentioned in the OP.)
by bayview
Thu Aug 09, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3463

Re: Offering 401k Advice to my coworkers?

+1 I might extend the non-advice part to say something like “Well, here’s what I do. I chose this path only after extensive reading which showed me the advantages of simple index fund-based investing. I’ve also learned a lot from the incredibly knowledgeable and helpful posters on a site called bogl...
by bayview
Fri Aug 03, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: G Fund at 3%
Replies: 7
Views: 1494

Re: G Fund at 3%

It’s the closest thing to a stable value fund that I’ll ever see. It sorta kinda mostly matches or beats inflation, so I regard it is the world’s most liquid TIPS fund. (sorta kinda mostly) It will pain me to draw it down via RMD’s. Even though I’ll pay the taxes from elsewhere and invest it, I’m no...
by bayview
Sun Jul 29, 2018 6:47 am
Forum: Investing - Theory, News & General
Topic: Passive Index Investing, A Bubble Bound To Burst?
Replies: 114
Views: 11802

Re: Passive Index Investing, A Bubble Bound To Burst?

Because of changes in index construction mechanics, historical index returns are misleading. Absolutely. You bet. Just look at the gaping chasm that opened up between the Vanguard Total Bond Market Index Fund and the Bloomberg Barclay's Aggregate Index after 2009, when the fund switched to the Bloo...
by bayview
Fri Jul 27, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Decision for Stay at Home Wife?
Replies: 84
Views: 3603

Re: Decision for Stay at Home Wife?

I saw a mention of mother’s day out programs. These are great, especially for toddlers and preschoolers. I truly hope that you will budget for someone to watch your little one for 3-4 hours once or twice a week. Our DD is the breadwinner (physician), and our DSIL is a SAHD. We have the joy (and hono...
by bayview
Thu Jul 26, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: Tilting Towards Domestic
Replies: 9
Views: 895

Re: Tilting Towards Domestic

I suppose the thing that irritates me about Total World is that there are so few stocks in it compared to VTSAX and VTIAX. If they would plump up the number of stocks, I would definitely consider this angle. Edit to add: VTWSX 8,116 VTSAX 3,654 VTIAX 6,349 Ok, it doesn’t seem as bad as I remembered...
by bayview
Thu Jul 26, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: Tilting Towards Domestic
Replies: 9
Views: 895

Re: Tilting Towards Domestic

I suppose the thing that irritates me about Total World is that there are so few stocks in it compared to VTSAX and VTIAX. If they would plump up the number of stocks, I would definitely consider this angle. Edit to add: VTWSX 8,116 VTSAX 3,654 VTIAX 6,349 Ok, it doesn’t seem as bad as I remembered,...
by bayview
Thu Jul 26, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Index-ish fund that lacks FAANG?
Replies: 42
Views: 4225

Re: Index-ish fund that lacks FAANG?

dziuniek wrote:
Mon Jul 23, 2018 3:14 pm
Where are Mel's Unloved Mid-Caps when you need them? :)

http://socialize.morningstar.com/NewSoc ... aspx#27802
I'm happy with our bit of VIMAX (mid-cap index) today. This is not instead of VTSAX (total US). It's in addition to.
by bayview
Wed Jul 25, 2018 6:24 am
Forum: Investing - Theory, News & General
Topic: 2-Year Treasury Note Auction
Replies: 86
Views: 7387

Re: 2-Year Treasury Note Auction

These are in DH's tIRA. It's his wish to have 100% fixed income in his IRA, so there we are. It's not a large sum, by any means. OK, so no state-tax exemption benefit for Treasuries. The portion of each rung of the ladder in Treasuries is the more liquid portion. As you say, I have no intention of ...
by bayview
Tue Jul 24, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: 2-Year Treasury Note Auction
Replies: 86
Views: 7387

Re: 2-Year Treasury Note Auction

I’ve realized that the relatively illiquid nature of brokered CDs makes me twitchy, so we’re now splitting the ladder rings between 2-year CDs and Treasuries. A little less return, but a bit more flexibility if rates jump again, as they did abut 30 seconds after we bought the last batch in April. I...
by bayview
Tue Jul 24, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: 2-Year Treasury Note Auction
Replies: 86
Views: 7387

Re: 2-Year Treasury Note Auction

I’ve realized that the relatively illiquid nature of brokered CDs makes me twitchy, so we’re now splitting the ladder rings between 2-year CDs and Treasuries. A little less return, but a bit more flexibility if rates jump again, as they did abut 30 seconds after we bought the last batch in April.
by bayview
Tue Jul 24, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Any reason to hold junk bond fund?
Replies: 50
Views: 4630

Re: Any reason to hold junk bond fund?

I don’t bother with them. See the discussion on “keep all your risk on the equity side?” Supposedly risk is better rewarded with equities than junk bonds.

If you do want them, the Vanguard junk (“high Yield”) bond fund is supposed to be less junky than others.
by bayview
Fri Jul 13, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Preparing non-technocrat spouse $ Mgmt
Replies: 25
Views: 2378

Re: Preparing non-technocrat spouse $ Mgmt

These seem to be periodic discussions, and I have expressed this thought before but once again: for those who seem to believe their loved ones are simply incapable of understanding or dealing with personal finances: be of good cheer. After the funeral, your ditsy non-technocrat wife (more rarely hu...
by bayview
Sat Jul 07, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: Fund Spy - The Vanguard Group Rules
Replies: 6
Views: 1257

Re: Fund Spy - The Vanguard Group Rules

This one surprised me: Finally, Vanguard could do more to encourage its managers, active as well as passive, to invest alongside fundholders. According to Morningstar data, the percentage of Vanguard’s U.S. assets in which at least one manager has more than $1 million invested stands at 12%. Even c...
by bayview
Sat Jul 07, 2018 7:38 am
Forum: Investing - Theory, News & General
Topic: Capping Emergency Fund
Replies: 53
Views: 5016

Re: Capping Emergency Fund

In general the advice/target for an emergency fund is 6 months of expenses. I'm curious at what point in total assets this rule doesn't make sense. - For example, if someone had 20, 30, 40x their monthly expenses in bonds would it make sense to decrease the emergency fund in a high yield savings? -...
by bayview
Sat Jul 07, 2018 7:31 am
Forum: Investing - Theory, News & General
Topic: Fund Spy - The Vanguard Group Rules
Replies: 6
Views: 1257

Re: Fund Spy - The Vanguard Group Rules

Thanks for the link. I immediately went to see what the "challenges and shortcomings" were :D , and there were the expected mentions of customer service and technology issues, along with outflows from actively managed funds. This one surprised me: Finally, Vanguard could do more to encourage its man...
by bayview
Thu Jun 28, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6845
Views: 1495914

Re: U.S. stocks in freefall

bayview wrote:
Thu Jun 28, 2018 6:15 am
oldzey wrote:
Wed Jun 27, 2018 10:00 pm
Equities are going on sale - right before my automatic monthly 403b contributions. :sharebeer
Except that it will be up today (Thursday), when my TSP goes in.

Then it will return to the sale. :D
update: you thought I was kidding, right? :oops:
by bayview
Thu Jun 28, 2018 6:32 am
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7608

Re: Are we just way over complicating this?

A new and growing trend is "I'm sick of my stable, high paying job because somebody is mean to me; should I just quit?" Probably a sign of changing demographics..... :twisted: Actually more people in this generation will FIRE than any before it due to exactly that mindset. They don't take [poor --a...
by bayview
Thu Jun 28, 2018 6:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6845
Views: 1495914

Re: U.S. stocks in freefall

oldzey wrote:
Wed Jun 27, 2018 10:00 pm
Equities are going on sale - right before my automatic monthly 403b contributions. :sharebeer
Except that it will be up today (Thursday), when my TSP goes in.

Then it will return to the sale. :D
by bayview
Tue Jun 26, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security Online
Replies: 33
Views: 3580

Re: Applying for Social Security Online

JoeRetire wrote:
Tue Jun 26, 2018 3:54 pm
bayview wrote:
Mon Jun 25, 2018 10:16 pm
Per Oblivious Investor’s calculator, we will do better instead as a couple if I also file early when I retire at age 54. There are a lot of subtleties in this.
File at 54?
Sorry, 64. I feel older every day! :D
by bayview
Tue Jun 26, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: Thrift Savings Plan to Change I Fund Index
Replies: 34
Views: 5121

Re: Thrift Savings Plan to Change I Fund Index

Surely it would have to be FY 2018 Q3, beginning July 1, if they hope to implement the changes in late 2018/ early 2019, right? This is our bosses we’re talking about. :wink: Nit picking: July 1 is the beginning of FY18 Q4, not Q3. Federal fiscal quarters: Q1: 10/1-12/31 Q2: 1/1-3/30 Q3: 4/1-6/30 Q...
by bayview
Tue Jun 26, 2018 6:01 am
Forum: Investing - Theory, News & General
Topic: Fidelity portfolio advisory services
Replies: 39
Views: 8410

Re: Fidelity portfolio advisory services

I have to say that in the current returns environment, giving up 1% (ok, 0.9%) on my returns sounds pretty awful.
by bayview
Mon Jun 25, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security Online
Replies: 33
Views: 3580

Re: Applying for Social Security Online

I will. He said I would be getting a letter on June 30th. My birthday is July 2nd. Weird. I turned 70 this past January. I didn't receive my benefit letter from SSA until January 31 for my first scheduled deposit less than two weeks later, in February. My wife turns 70 this month (May); she didn't ...
by bayview
Mon Jun 25, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: What Now With Down 2018 Market
Replies: 32
Views: 6431

Re: What Now With Down 2018 Market

That is what I meant by “next guy = total market”. Is this the term others use here instead of just writing "total market"? I've never seen that but perhaps I missed it. I tend to think of zaboomafoozarg’s avatar :D : https://www.bogleheads.org/forum/memberlist.php?mode=viewprofile&u=27503&sid=f9b9...
by bayview
Mon Jun 25, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: What Now With Down 2018 Market
Replies: 32
Views: 6431

Re: What Now With Down 2018 Market

I'm much younger than you, no longer working, and I just don't worry about losing money anymore. I just don't want to lose more than the next guy. As long as everybody is losing as much money as me, then I'm fine with the whole lose money thing. I don't understand. Why do you care at all what the "...
by bayview
Mon Jun 25, 2018 7:46 pm
Forum: Investing - Theory, News & General
Topic: What Now With Down 2018 Market
Replies: 32
Views: 6431

Re: What Now With Down 2018 Market

I'm much younger than you, no longer working, and I just don't worry about losing money anymore. I just don't want to lose more than the next guy. As long as everybody is losing as much money as me, then I'm fine with the whole lose money thing. I don't understand. Why do you care at all what the "...
by bayview
Mon Jun 25, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving my job with no replacement - ok to get a new car loan now?
Replies: 11
Views: 1187

Re: Leaving my job with no replacement - ok to get a new car loan now?

I guess my take would be to pay cash, unless you get a 0% loan. Get a loan while you’re still employed.

Whatever your decision, best wishes for your wife’s improved health. It’s tough when a parent is ill.
by bayview
Mon Jun 25, 2018 6:56 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 396
Views: 57342

Re: 2-year CDs at Vanguard and Fidelity Today

So I knew going in to regard brokered CDs as not particularly liquid, but do you have a rule of thumb for deciding when it’s worth selling one early, in terms of comparing the expected loss to x% higher yield? Asking for a friend. :D Actually, asking to broaden my understanding of brokered CDs.. It...
by bayview
Mon Jun 25, 2018 6:38 pm
Forum: Investing - Theory, News & General
Topic: What Now With Down 2018 Market
Replies: 32
Views: 6431

Re: What Now With Down 2018 Market

Given my older age of 78 and still employed I have been very cautious about placing too much of my funds in the market . In January, I invested in theVanguard Retirement Income Fund that has been down for most of the year and now slightly up. Given the drastic and somewhat unexplainable shifts in t...
by bayview
Mon Jun 25, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: Thrift Savings Plan to Change I Fund Index
Replies: 34
Views: 5121

Re: Thrift Savings Plan to Change I Fund Index

Darn. Was hoping a bump of this thread meant more details on when the I Fund changeover will happen besides "late 2018-ish". They will rebid the I-fund management in the 3rd quarter of 2018 and expect to list the new requirements in that bid. They report the actual change is looking like 1st and 2n...