Search found 973 matches

by bondsr4me
Sun Jan 20, 2019 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: For those with both Vanguard and Schwab
Replies: 39
Views: 1643

Re: For those with both Vanguard and Schwab

If Fido ever eliminates their 2% credit card, it would be the next one to go. You should consider getting the Citi Double Cash card to replace Fidelity. I had Fido before I switched to Citi, and i think that Citi is superior in every way. Especially the app. Sounds like if you drop the Fidelity car...
by bondsr4me
Sun Jan 20, 2019 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: For those with both Vanguard and Schwab
Replies: 39
Views: 1643

Re: For those with both Vanguard and Schwab

Is there any reason to have an account at both? For those who do, is there something one gives the other does not? Moving our investment portfolio to Vanguard and consolidating everything was the best financial decision we ever made. In my opinion investors would be wise to consolidate for the many...
by bondsr4me
Sun Jan 20, 2019 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: For those with both Vanguard and Schwab
Replies: 39
Views: 1643

Re: For those with both Vanguard and Schwab

Is there any reason to have an account at both? For those who do, is there something one gives the other does not? Moving our investment portfolio to Vanguard and consolidating everything was the best financial decision we ever made. In my opinion investors would be wise to consolidate for the many...
by bondsr4me
Sun Jan 20, 2019 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: For those with both Vanguard and Schwab
Replies: 39
Views: 1643

Re: For those with both Vanguard and Schwab

After working in Finance for a company that provides 24/7 online services (non-financial services) to countries across the globe I understand that all companies will on occasion have IT problems resulting in a disruption of service. I also understand all too well the risks of a cyber attack. For th...
by bondsr4me
Sun Jan 20, 2019 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: For those with both Vanguard and Schwab
Replies: 39
Views: 1643

Re: For those with both Vanguard and Schwab

Schwab has bricks and mortar in our state. Sometimes, it’s nice to go there and sit down face to face. Vanguard is great but no bricks and mortar. We also have Fidelity. We have considered consolidating but so far are fine with assets at all three places. +1 My wife and I too have accounts at Schwa...
by bondsr4me
Sat Jan 19, 2019 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Any bond gurus?
Replies: 13
Views: 1194

Re: Any bond gurus?

OP

why not do a Portfolio Visualizer using the funds previously mentioned.
and explain to him that the additional fees will make his results even worse.

sometimes pictures are more effective than words.
by bondsr4me
Sat Jan 19, 2019 9:26 am
Forum: Investing - Theory, News & General
Topic: What active management stock funds would you own?
Replies: 73
Views: 4037

Re: What active management stock funds would you own?

dwickenh wrote:
Fri Jan 18, 2019 11:41 pm
Wellesley Fund
+1.
I am looking really hard at buying some Berkshire Hathaway.
by bondsr4me
Sat Jan 19, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: How do you keep a calendar?
Replies: 62
Views: 2805

Re: How do you keep a calendar?

I use the Calendar that’s on my iPhone, MBP, iPadPro, iWatch, SP4.

The calendars are synced, so I can use them all without missing anything.
by bondsr4me
Thu Jan 17, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity app now has fingerprint login
Replies: 24
Views: 1553

Re: Fidelity app now has fingerprint login

My IT experts tell me that using a mobile app is more secure over the cellular network than over a wifi network. The only wifi I use for my financial apps is our home wifi. I live out in the country, so I am not too concerned about hackers. My house is far enough away from the road that hopefully t...
by bondsr4me
Thu Jan 17, 2019 6:15 am
Forum: Investing - Theory, News & General
Topic: The Worth Of A Man: A Tribute To John C. Bogle
Replies: 44
Views: 4953

Re: The Worth Of A Man: A Tribute To John C. Bogle

Great title; very nice tribute to a truly great but humble man.

He’s the greatest friend an investor could have.

Thanks Rick.

Don
by bondsr4me
Wed Jan 16, 2019 6:28 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 847
Views: 43473

Re: John Bogle is dead at 89

Nice tribute on the News page of Vanguard website.
by bondsr4me
Wed Jan 16, 2019 6:11 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 847
Views: 43473

Re: John Bogle is dead at 89

R.I.P. Mr. Bogle.

No one, and I do mean absolutely no one has done more for the individual investor.

You will always be on my Mt. Rushmore of Investing.

Thank You Jack.
by bondsr4me
Wed Jan 16, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3890

Re: Any good reason to get a smartwatch?

I have had the Apple Watch 3 for over a year, and find it immensely useful: -Tells time -Set infinite time zones, and can have several time zones on the face -Ability to see texts and incoming calls on watch without pulling out phone -Set alarm to vibrate, keeps partner sleeping -Seeing my steps re...
by bondsr4me
Wed Jan 16, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 32
Views: 2348

Re: Swimming, do you? Advice sought.

.... I didn't use a nose plug and my sinuses seemed to get really irritated .... +1 on nose clip. I swam in high school and college many decades ago. We never used them then, and I've had sinus problems ever since. Also get a good set of goggles. The chlorine never used to bother me in those days, ...
by bondsr4me
Wed Jan 16, 2019 7:41 am
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 32
Views: 2348

Re: Swimming, do you? Advice sought.

I really like swimming, but stopped. I have medical eye issues (trabeculectomies in both eyes; vitrectomy in right eye; ongoing glaucoma issues). The fear of an eye infection keeps me out of the pool at the Y. I never cared for smelling like a chlorine bottle after swimming, even after a good shower...
by bondsr4me
Wed Jan 16, 2019 7:33 am
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7372

Re: When would you stop being a Boglehead?

I would stop being a Boglehead the minute this place would turn into a daytrading operation. And I have NO interest/desire to turn over management of our finances to a broker...period. I am quite capable of managing our finances; certainly don't need help from "financial salespeople". Been there mys...
by bondsr4me
Wed Jan 16, 2019 6:33 am
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 5845

Re: Gillette Mach 3 alternatives

I know that a few of you mentioned that Single/Double Edege Razors (wet shaving) isn't for you. But you should give it another shot. I moved away from using Mach 3 Razors probably 10 years ago. One of the best and cheapest things I've ever done. I personally prefer SE Razors and use a GEM Razor mad...
by bondsr4me
Tue Jan 15, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3890

Re: Any good reason to get a smartwatch?

My wife and I each have an Apple iWatch without cell tower hookup.

We both really like the functionality of it.

If you're not into tech stuff, I wouldn't bother.....just get a $20 Timex for time/date.
I have a few of those setting around.
by bondsr4me
Sun Jan 13, 2019 12:11 pm
Forum: Investing - Theory, News & General
Topic: best ways to move to Vanguard
Replies: 6
Views: 536

Re: best ways to move to Vanguard

wije wrote:
Sun Jan 13, 2019 11:51 am
Earl Lemongrab wrote:
Sat Jan 12, 2019 2:52 pm
Not sure why you'd consider anything but in-kind.
Would I still have to pay Schwab and Etrade's outgoing transfer fee?
Schwab charged me $50 for a full transfer out to VG.
I complained using the customer service satisfaction guarantee.
They gave me the $50 back.
by bondsr4me
Mon Jan 07, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Windows 10 / Office 2019 headache
Replies: 24
Views: 1581

Re: Windows 10 / Office 2019 headache

I still have an old Office 1997 disk laying around somewhere. And I think I have another later Office version disk too. My wife and I use Office 365 on our MacBookPro's and our Surface Pro 4's. We are happy with it. I also occasionally use Numbers and Pages that come with our Mac's and IpadPro's. Ev...
by bondsr4me
Fri Jan 04, 2019 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Consolidate to Fidelity?
Replies: 50
Views: 2905

Re: Consolidate to Fidelity?

OP....Fidelity, Schwab, Vanguard....all 3 are good. Fidelity and Schwab are, IMHO, much better than VG. I currently have accounts at all 3 (for now). I like Schwab's technology (StreetSmartEdge) the best. I also highly like Fidelity's website; their bond screen/order entry is very good IMO. Vanguard...
by bondsr4me
Tue Jan 01, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Schwab to Vanguard ?
Replies: 44
Views: 3098

Re: Schwab to Vanguard ?

Last summer I did a switch from CS to VG. I left a residual amount at CS as I did not want the account closed. Schwab is a very good firm with plenty of funds/etf's. Their customer service is very good. Their IT is far better than VG. If you ask, you can probably get free trades to buy VG etf's. I g...
by bondsr4me
Fri Dec 28, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Schwab partial share liquidation fees
Replies: 13
Views: 580

Re: Schwab partial share liquidation fees

Thanks for reminding me to never to do business with Schwab. Many of us very happy with the service Schwab provides. +1 +! I transferred out of Schwab (I have a small balance so my active stays live) because my 1 year commitment for the cash reward was up. I like CS's StreetSmartEdge; IMHO it is be...
by bondsr4me
Fri Dec 28, 2018 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Schwab partial share liquidation fees
Replies: 13
Views: 580

Re: Schwab partial share liquidation fees

Just a heads up..Schwab is charging me $29.95 for each partial share liquidation(5 etfs) of ETFs that I recently transferred to Merrill Edge, on top of their $50 account transfer out fee. Wife too. I will call tomorrow, but I don't think they will be too sympathetic as I'm transferring 4 accounts o...
by bondsr4me
Thu Dec 27, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: What are some disadvantages to TLH?
Replies: 51
Views: 2638

Re: What are some disadvantages to TLH?

Share prices of similar funds track on a similar curve. You just bough that new fund at a discount so your lesser dollars buy the same value as the shares of the fund you sold. But you just bought the newer fund with lesser dollars to invest because of your loss. Example: Jan 1 2018...you have $100...
by bondsr4me
Thu Dec 27, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: What are some disadvantages to TLH?
Replies: 51
Views: 2638

Re: What are some disadvantages to TLH?

Share prices of similar funds track on a similar curve. You just bough that new fund at a discount so your lesser dollars buy the same value as the shares of the fund you sold. But you just bought the newer fund with lesser dollars to invest because of your loss. Example: Jan 1 2018...you have $100...
by bondsr4me
Thu Dec 27, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: What are some disadvantages to TLH?
Replies: 51
Views: 2638

Re: What are some disadvantages to TLH?

If you are switching from one fund to another that are similar and move similarly (but not so similar that they create a wash sale), this is not a concern at all. If X and Y drop 10%, you move money from X to Y, save taxes, and then X and Y grow at the same pace going forward, so your dollars are t...
by bondsr4me
Thu Dec 27, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: What are some disadvantages to TLH?
Replies: 51
Views: 2638

Re: What are some disadvantages to TLH?

the biggest disadvantage I see is a loss is permanent. you can not recover those lost dollars. this may put more pressure to obtain outsized gains in the future to "make up" for these losses. you have to do what you can live with. but, lost dollars can never be regained. If you are switching from o...
by bondsr4me
Thu Dec 27, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: What are some disadvantages to TLH?
Replies: 51
Views: 2638

Re: What are some disadvantages to TLH?

the biggest disadvantage I see is a loss is permanent. you can not recover those lost dollars. this may put more pressure to obtain outsized gains in the future to "make up" for these losses. you have to do what you can live with. but, lost dollars can never be regained. If you are switching from o...
by bondsr4me
Thu Dec 27, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: What are some disadvantages to TLH?
Replies: 51
Views: 2638

Re: What are some disadvantages to TLH?

the biggest disadvantage I see is a loss is permanent.
you can not recover those lost dollars.
this may put more pressure to obtain outsized gains in the future to "make up" for these losses.
you have to do what you can live with.
but, lost dollars can never be regained.
by bondsr4me
Tue Dec 25, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: The effects of forum participation on plan execution
Replies: 18
Views: 1711

Re: The effects of forum participation on plan execution

As a few have noticed I stop posting to this forum a while back and did so for a behavioral finance reason. Like many of you I have a plan and I have confidence in my plan but what I had noticed is my active participation in threads made it more difficult to execute my plan. Reading the hyperbolic ...
by bondsr4me
Tue Dec 25, 2018 8:59 am
Forum: Investing - Theory, News & General
Topic: Help Me Think About the Future: How Do You Know When Your Risk Tolerance Changes?
Replies: 37
Views: 2397

Re: Help Me Think About the Future: How Do You Know When Your Risk Tolerance Changes?

When you start to obsess every market move; are constantly watching the financial news to see what move you may need to make to avoid losing value; when you go to bed with this stuff on your mind.....it’s time to make changes that are more fitting of your “risk tolerance”.... maybe more Treasuries a...
by bondsr4me
Mon Dec 24, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: iBank / Banktivity for MacOS - Switching to Chrome
Replies: 6
Views: 480

Re: iBank / Banktivity for MacOS - Switching to Chrome

I have been using Banktivity for macOS, formerly iBank for OSX, for 10 years. I'm disillusioned with most of my Apple hardware and pleasantly surprised by the nice Chromebook we've acquired. It may be a little less fluid, but it's less than 1/4 the price of a MacBook Pro. I'd honestly like to sell ...
by bondsr4me
Sun Dec 23, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Employer asking me to move my brokerage account
Replies: 30
Views: 3409

Re: Employer asking me to move my brokerage account

SEC compliance at a financial firm is serious business and you are required to follow the rules. Get on board or find a different job. and absolutely do not try to hide any of your accounts or investments. you sign code of ethics and other compliance documents that require you to disclose. you coul...
by bondsr4me
Fri Dec 21, 2018 9:05 am
Forum: Investing - Help with Personal Investments
Topic: what to do with cash if very risk averse?
Replies: 59
Views: 5548

Re: what to do with cash if very risk averse?

Teague wrote:
Tue Dec 18, 2018 4:18 pm
You want minimal risk you say. Treasuries come to mind.
+1

about as "risk-free" (ie: loss of principal) as you can get.
by bondsr4me
Fri Dec 21, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Stick with Fidelity or open Vanguard account?
Replies: 34
Views: 1650

Re: Stick with Fidelity or open Vanguard account?

If you want to keep things simple for yourself, just stick with Fidelity. I have active accounts with Fidelity, Schwab, VG; and a not so active TDA account (I only use TDA for info). IMHO, all 3 of these are OK to use. But if simplicity is one of your objectives, then stick with Fidelity. The Fideli...
by bondsr4me
Thu Dec 20, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Lap top recommendation
Replies: 42
Views: 2098

Re: Lap top recommendation

Hi all: Does anyone have a recommendation for a personal laptop? Here are my needs: 1. 90% use of Excel and Powerpoint 2. Will install packages such as Tableau, R/Shiny, etc. 3. Will use gmail 4. No games, dvds, etc. 5. Light will be good as this is a second laptop I will carry Looking in the < $50...
by bondsr4me
Thu Dec 20, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity and iShares
Replies: 12
Views: 867

Re: Fidelity and iShares

As far as funds/etfs costs, they are all comparable....plenty of free stuff out there. Agree. I’m at Schwab and TD right now and considering consolidating everything at Fidelity. At the margins (holding 3 ETFs at Schwab rather than 1 mutual fund at Fidelity) one custodian can be a better fit than o...
by bondsr4me
Thu Dec 20, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: "We have received 2243 new posts and replies over 273 topics in last day (sorted by Latest Reply)."
Replies: 10
Views: 1914

Re: "We have received 2243 new posts and replies over 273 topics in last day (sorted by Latest Reply)."

Bogleheads: According to the above heading on this Bogleheads Forum, We have received 2243 new posts and replies over 273 topics in the last day. . . This is the current heading on this Forum at 2:00 PM today. These figures are remarkable and are a testament to our founders, our moderators, and esp...
by bondsr4me
Thu Dec 20, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity and iShares
Replies: 12
Views: 867

Re: Fidelity and iShares

Fidelity is a very good place to consolidate. I agree with you about VG funds; their web presence is lacking and that is important to me. Actually, I feel that Schwab's technology is a tad bit better than Fido. As far as funds/etfs costs, they are all comparable....plenty of free stuff out there. If...
by bondsr4me
Mon Dec 17, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Account issues
Replies: 5
Views: 414

Re: Brokerage Account issues

Livesoft, I wish I had known that before agreeing to the brokerage upgrade. Thanks for the responses. At this point I'll just have to live with the way the brokerage account works. But I can't say I won't provide my input in Vanguard's next customer satisfaction survey. It probably would be a good ...
by bondsr4me
Sat Dec 15, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 153
Views: 19428

Re: I made a mistake by not selling when the market was high this year

if you didn't sell at the high, why not just buy more at the low. then when the market gets back to another high, just sell. don't beat yourself up...this is a part of investing. you can't/won't always sell at highs and buy at lows...nobody does. take your profits when you can/want and move forward...
by bondsr4me
Sat Dec 15, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 153
Views: 19428

Re: I made a mistake by not selling when the market was high this year

if you didn't sell at the high, why not just buy more at the low. then when the market gets back to another high, just sell. don't beat yourself up...this is a part of investing. you can't/won't always sell at highs and buy at lows...nobody does. take your profits when you can/want and move forward....
by bondsr4me
Sat Dec 08, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: iPad Pro vs Microsoft Surface
Replies: 15
Views: 1616

Re: iPad Pro vs Microsoft Surface

My wife and I each have an iPadPro 10.5” and an SurfacePro4. IMHO, there is no clear cut winner. They are both good for what they are designed for. The iPadPro is a good consumption device. The Surface Pro is the better productivity device. I would not even consider trying to work on the multitude o...
by bondsr4me
Sat Dec 08, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Microsoft : Edge Being Replaced by Chromium
Replies: 15
Views: 1740

Re: Microsoft : Edge Being Replaced by Chromium

For various reasons I just read that Microsoft is replacing Edge with Chromium - does anyone know when and how ? via Windows Update ?? I recall reading somewhere it won't be until next year. You can become an insider by going to www. microsoftedgeinsider.com IMO Microsoft has done well under Satya ...
by bondsr4me
Tue Dec 04, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Trading question for diy Schwab bh’s
Replies: 5
Views: 608

Re: Trading question for diy Schwab bh’s

The website all-in-one does not auto-refresh with streaming quotes.

SSE is streaming quotes which I prefer to see whenever possible.

SSE is pretty good.
by bondsr4me
Wed Nov 28, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Individual Stocks or Just Keep Them To Avoid Commissions?
Replies: 31
Views: 1921

Re: Sell Individual Stocks or Just Keep Them To Avoid Commissions?

I might be a bit contrarian here but when I rolled over a couple of Fidelity workplace savings plans into a Fidelity Rollover IRA, I shied away from the Fidelity Zero Funds. First, I though the zero concept was to gimmicky and second I read the zero funds use sampling to replicate the index. If I b...
by bondsr4me
Thu Nov 22, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Rollover vs Transfer
Replies: 8
Views: 761

Re: Rollover vs Transfer

I've transferred several cust to cust TIRA's from bank to V. Just noticed that V is reporting them as rollovers. Why do they call them rollovers since there are restrictions as I am led to believe? I never had any control over the funds A “direct rollover” is a distribution paid directly to another...
by bondsr4me
Thu Nov 22, 2018 8:13 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Thanksgiving to all
Replies: 19
Views: 1056

Happy Thanksgiving to all

Wishing you a very Happy, Healthy, Safe Thanksgiving.

I am very thankful for this wonderful forum and all it’s participants for sharing their ideas and knowledge.

Don
by bondsr4me
Thu Nov 22, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 199
Views: 13999

Re: Physician Credentials: Offshore vs. American Medical Schools

carolinaman wrote:
Thu Nov 22, 2018 7:52 am
This has been a very enlightening thread. Thanks to all the doctors who contributed to it.
+1.....truly appreciate hearing from the Doctors!

Happy Thanksgiving to everyone,

Don