Search found 1415 matches

by bayview
Fri Jul 13, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Preparing non-technocrat spouse $ Mgmt
Replies: 25
Views: 2130

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: 1225

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: 4765

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: 1225

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: 6683
Views: 1450192

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: 7164

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: 6683
Views: 1450192

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: 29
Views: 2961

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: 4853

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: 7839

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: 29
Views: 2961

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: 6252

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: 6252

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: 6252

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: 1113

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: 320
Views: 42799

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: 6252

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: 4853

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...
by bayview
Mon Jun 25, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42799

Re: 2-year CDs at Vanguard and Fidelity Today

Another beginner's question... CD I bought last week, with settlement date of 6/29 shows an increase in market value (+0.07%). Does this mean anything? I tried looking it up to see if it had changed, but it is no longer available. I'm just curious what's going on, not planning to day trade CDs or a...
by bayview
Sat Jun 23, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Sibling wants to share house sale proceeds - best way to avoid gift taxes?
Replies: 20
Views: 2256

Re: Sibling wants to share house sale proceeds - best way to avoid gift taxes?

If you aren't expected to be gifted 11.2 mill, you will owe no federal gift tax at all and the giver won't either so it isn't an issue. As you said it just needs to be disclosed. For example, if you give your brother $50,000 this year, you’ll use up your $15,000 annual exclusion. The bad news is th...
by bayview
Fri Jun 22, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: Brio solar subcontractor - any experience?
Replies: 0
Views: 107

Brio solar subcontractor - any experience?

Duke Energy (electrical utility) in North Carolina has been required by the state legislature to get more people on solar (clunky summary.) Someone from Brio Energy out of Provo Utah came by to give us a quote and so forth. I looked them up on BBB and have had quite a giggle reading the negative rev...
by bayview
Wed Jun 20, 2018 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Looking for EUR holy grail bond strategy
Replies: 73
Views: 4600

Re: Looking for EUR holy grail bond strategy

It's shrug time. Except that apparently for US investors the "Bogle way" is aggregate (BND), why would that be different for Europeans? US investor here - many of us use non-aggregate fixed income, including Treasury funds, individual Treasuries, and CDs. I do this so that I can increase our exposu...
by bayview
Mon Jun 18, 2018 7:12 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8735

Re: Very confused with the current market

- It has been history higher and higher. - the fundamental law says it will recycle every 10 years - I had been on cash for 10 months Please don't tell me I should not time the market. What's going wrong? What's "going wrong" is that you are working off of assumptions and thinking that they are cas...
by bayview
Mon Jun 18, 2018 6:34 am
Forum: Investing - Theory, News & General
Topic: Buying CDs each month for decades
Replies: 22
Views: 5413

Re: Buying CDs each month for decades

I don't think you can buy brokered CDs in amounts as low as $1,000. Absolutely you can! I just did it on Monday. If I've accumulated dividends/interest from whatever source in in my brokerage account, and I need to rebalance toward bonds, I will frequently buy a single $1K CD so as not to leave the...
by bayview
Fri Jun 15, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 96
Views: 9208

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Question: so you’re still working on the option to choose a different start date without having to enter spousal claiming? Because there’s no way DH would ever file for spousal, having already drawn SS for 4 1/2 years. I kept throwing different dates in there for spousal, and the results got strang...
by bayview
Fri Jun 15, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 96
Views: 9208

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Update: The calculator now allows for situations in which one of two spouses has already filed, in order to get a suggestion for the other spouse... Thanks, this is great! And the result was instant (Safari.) I think your coding skills are doing just fine. Question: so you’re still working on the o...
by bayview
Thu Jun 14, 2018 3:56 pm
Forum: Investing - Theory, News & General
Topic: Why market drop when Fed announced rate increase?
Replies: 19
Views: 2574

Re: Why market drop when Fed announced rate increase?

It's because it was the day before my biweekly contribution went in. Now that the contribution goes in as of close of business today , it's back up. :annoyed --in other words, there's a lot of irrationality in the market. Despite what the pundits on TV/ radio/ interwebz tell you, there is very, very...
by bayview
Thu Jun 14, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 96
Views: 9208

Re: "Open Social Security" calculator: feature requests, bug reports, etc

< insert popcorn-eating emoji here >

sorry, jk truly!

Appreciate all the work you are doing on this.
by bayview
Tue Jun 12, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 113
Views: 5814

Re: long term care insurance

Thanks. Would you mind saying which company her policy is through? And your policy? Did you decide on the company and policy and contact them directly or did you use a broker of some kind? On another note, I have requested email notification when someone posts on this topic and I'm not getting them...
by bayview
Mon Jun 11, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 96
Views: 9208

Re: "Open Social Security" calculator: feature requests, bug reports, etc

A bump and a vote for quick implementation of: 2) Option to enter that one spouse has already filed (before FRA in our case.) It's definitely next on my to-do list. Having the calculator completely fail to run for a significant group of people is obviously less than ideal. :oops: I can't say how lo...
by bayview
Mon Jun 11, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: death certificates...hospice and 911
Replies: 32
Views: 2954

Re: death certificates...hospice and 911

Typically, in these circumstances (expected death), the death certificate is done by the primary care provider or by the physician who ordered hospice care. That person is rarely the one who pronounces death, but s/he is familiar with the patient’s medical condition and can therefore render the opin...
by bayview
Mon Jun 11, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 96
Views: 9208

Re: "Open Social Security" calculator: feature requests, bug reports, etc

This thread is intended to serve as a place for Bogleheads to submit bug reports or make feature requests for the free/open-source "Open Social Security" calculator: https://opensocialsecurity.com/ <- the calculator https://github.com/MikePiper/open-social-security <- source code for anybody intere...
by bayview
Sat Jun 09, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Simple method to see which countries VSS stocks come from?
Replies: 4
Views: 328

Re: Simple method to see which countries VSS stocks come from?

If it would be enough simply to have a country-by-country breakdown, you can get this from VSS's Portfolio page . Scroll down about one-third of the way to the section labelled "Market Allocation". Right, that part I've got. I was just curious as to how the sectors within each country were weighted...
by bayview
Sat Jun 09, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 115
Views: 9260

Re: US T bills - first time user

Regarding T-Bill quotes with Yield to Maturity data: WSJ Data Center https://s22.postimg.cc/69umclsxt/T-bills_Capture.gif http://www.wsj.com/mdc/public/page/2_3020-treasury.html?mod=topnav_2_3010#treasuryB No subscription needed. This data is of the last market "close". During market hours you can ...
by bayview
Sat Jun 09, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 115
Views: 9260

Re: US T bills - first time user

I see that you're right about the Tbill confirmation only showing the discount rate (I looked at one of mine). So what you can do is go to the TD site and look up the investment rate for that bill. For example, for the 3-month bill I bought maturing 6/21/2018, the discount rate on the confirmation ...
by bayview
Sat Jun 09, 2018 2:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard products in Spain
Replies: 3
Views: 271

Re: Vanguard products in Spain

I never cease to be amazed at this forum and the wikis. :sharebeer

Time to make another donation!
by bayview
Sat Jun 09, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: Simple method to see which countries VSS stocks come from?
Replies: 4
Views: 328

Re: Simple method to see which countries VSS stocks come from?

You want to know more than which countries, but you want all stocks from a given country. Morningstar.com has a stock overlap tool. You could see the overlap between VFSVX and an all-Canadian index fund. And you could see the overlap between VFSVX and an international REIT fund. And you could see t...
by bayview
Sat Jun 09, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 115
Views: 9260

Re: US T bills - first time user

A bump for a question from another first-timer involving discount rates vs YTM: DH has brokered CD's (1-3 years) and T-bills (3, 6, and 12 months) in his IRA. When the bond markets are open, I'm working. When they're closed, I can't see what's up with new issues. You can always see what's up with n...
by bayview
Sat Jun 09, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 115
Views: 9260

Re: US T bills - first time user

...But since I was curious about how you would determine the YTM for security with less than a year to maturity, I did find this: https://pocketsense.com/calculate-yield-maturity-6month-tbill-5959681.html At another link it was indicated that the ask yield is the bond yield equivalent (b.y.e), FWIW...
by bayview
Sat Jun 09, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: Simple method to see which countries VSS stocks come from?
Replies: 4
Views: 328

Simple method to see which countries VSS stocks come from?

^^ Sorry about the abbreviation; I was trying to save space. VSS is the ETF version of Vanguard's International (non-US) Small Cap stock fund. VFSVX is the mutual fund version. 12.2% of this fund is made up of Canadian investments. The prospectus lists individual stocks and their percentages, but un...
by bayview
Sat Jun 09, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7715

Re: VMMXX (Vanguard Prime MM) risks

Or just go with the Federal Money Market sweep account. There is a reason Vanguard used that fund for the sweep account instead of Prime money market. I am going to guess because of less risk. There was some SEC regulation that required that VMFXX be used as the sweep account as of October 2016. --...
by bayview
Sat Jun 09, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 115
Views: 9260

Re: US T bills - first time user

A bump for a question from another first-timer involving discount rates vs YTM: DH has brokered CD's (1-3 years) and T-bills (3, 6, and 12 months) in his IRA. When the bond markets are open, I'm working. When they're closed, I can't see what's up with new issues. I am quite maddened that Vanguard di...
by bayview
Sat Jun 09, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Anyone else cheap like me and have to put new $s into the asset class that's down the most?
Replies: 23
Views: 2700

Re: Anyone else cheap like me and have to put new $s into the asset class that's down the most?

No. My portfolio is total market. I buy into whatever asset class doesn't match total market (lately, a lot of international small cap to balance out my TSP). Once the TSP updates their I Fund next year I suspect new contributions will go 50/50 Total US/Total International. I use brokerage in my 40...
by bayview
Sat Jun 09, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 31685

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

Thanks for the reply. Nothing on the overview screen with the word "Brokerage." Also nothing on my statements. I can't figure out if when I called in about not liking the new statement format if they moved me back to the old platform from the new one or if they just deleted the brokerage account fr...
by bayview
Tue May 29, 2018 8:41 pm
Forum: Investing - Theory, News & General
Topic: Bernstein - CD + Treasuries + Munis VS Vanguard Total Bond ??
Replies: 14
Views: 2055

Re: Bernstein - CD + Treasuries + Munis VS Vanguard Total Bond ??

Our fixed income is in Treasuries, CDs out to three years, and the G fund. (We’re nowhere near the point of needing munis. :D )
by bayview
Tue May 22, 2018 8:14 pm
Forum: Investing - Theory, News & General
Topic: Do I understand duration correctly?
Replies: 33
Views: 2662

Re: Do I understand duration correctly?

Perhaps I need to have a sort of “lmp” made up of individual securities with set maturity dates. I wish my kids’ §529s and my TSP allowed me to do that. What do you mean by "lmp"? (Unsolicited advice to the board: What we write here is read by hundreds or even thousands. I try to avoid shorthand) W...
by bayview
Tue May 22, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: Bogle featured in Barrons cover story
Replies: 38
Views: 3786

Re: Bogle featured in Barrons cover story

“Pull up your socks” means to stop slouching around and get going.

IT and CS are information technology and customer service, of course.

If VG would convey a bit of a sense of urgency, it would be reassuring.
by bayview
Mon May 21, 2018 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Basics
Replies: 23
Views: 2202

Re: Estate Planning Basics

Read: Books on Wills, Trusts, and Estates ... Thanks for the book recommendation, I just ordered it. While that book is popular here, keep in mind that the author is in California, so much of what he writes is geared to community property states, particularly California. Also note that he focuses o...
by bayview
Mon May 21, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Home Loan from Parents
Replies: 24
Views: 2357

Re: Home Loan from Parents

If neither the borrowers nor lenders are doing this through financial desperation (meaning that things are done because of some sort of ongoing disaster and fall through in a most unpleasant way), I don’t think that the National Bank of Mom and Dad should be automatically discounted. My former MIL (...
by bayview
Mon May 21, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Multiples credit pulls on a mortgage app
Replies: 15
Views: 1187

Re: Multiples credit pulls on a mortgage app

My banker made a goof and accidentally ran my credit twice for my mortgage application within a week period. I know that multiple pulls for various lenders during the rate shop period do not affect your credit. Should I ask her to remove one of the inquiries or is this a moot point? Ideally, when F...