Bogleheads.org

sleepysurf

We again had 5 attendees at our Feb meeting... one millennial, one mid 40's, two retirees, and one working spouse. After introductions, we had a presentation comparing Vanguard's Portfolio Watch Asset Allocation analysis vs. those from Morningstar X-ray and Personal Capital. The deficiencies of the ...

sleepysurf

Just a reminder about our upcoming meeting this Sat from 2-4 PM at the Seminole Heights Branch Library. We invite all Bogleheads within driving distance of Tampa to join us, and sign up for our chapter email list/website at... https://groups.io/g/tampabaybogleheads. Looking forward to seeing you the...

sleepysurf

For a more detailed explanation of DAC's, see... https://www.whathifi.com/advice/dacs-ev ... ed-to-know, or just ask your local audiophile, who will extol their virtues ad nauseam!

sleepysurf

Our pool used to be a regret. However, for ~$2000 I turned that "lemon" into "lemonade" by adding a small faux stone waterfall in one corner, providing a relaxing view and sound, even though we're rarely in the pool. For anybody interested, we used Rico Rock (https://ricorock.com/)

sleepysurf

IMHO, it's irrelevant. Nobody can predict the future. As long as you have a well diversified "S.W.A.N." asset allocation (and it sounds like you do), just rebalance annually, and stay the course. Myself, as a fairly new retiree, sleep well with a ~50/50 asset allocation. I'll take whatever the marke...

sleepysurf

Brian Livingston (author of the Marketwatch piece) advocates a Momentum/Market Timing approach in his recently published book... https://www.amazon.com/Muscular-Portfolios-Investing-Revolution-Superior/dp/194688538X/ref=cm_cr_arp_d_product_top?ie=UTF8. His Amazon marketing video is worth watching, b...

sleepysurf

JJP88 wrote: ↑
Sun Jan 27, 2019 12:33 pm
... I was signed up for a month, but I was getting 2 calls a week and ended up deleting the app...

If you firmly tell them you're a DIY investor and not interested in their Advisory service, they'll stop calling.

sleepysurf

I've been using Chrome Remote Desktop (https://support.google.com/chrome/answer/1649523?co=GENIE.Platform%3DAndroid&hl=en) to remotely assist my elderly mother with her Windows PC (it also runs on Mac or Linux). However, it requires her to be at the PC to launch it, and tell me the newly generated a...

sleepysurf

Backroads bicycling vacations (4 thus far)
High end stereo system (with Martin Logan electrostatic speakers)
Trek Domane bike (carbon fiber frame)
Housecleaning help (currently missing it as former house cleaner retired)

sleepysurf

Rick, how about interviewing John Bogle, Jr., who is an ACTIVE manager, reminiscing about Jack's influence as his father, and discussing their different investing paths.

Although he isn't a money manager, I also hope Jason Zweig is on the list.

sleepysurf

This weekend's Wall Street Journal. The "Exchange" Section, at the bottom of page B1. "For Jack Bogle, Life Was A Near-Death Experience", by Jason Zweig. He provides some fascinating background about Jack that I had never heard of before. (I buy the WSJ every weekend, so I cannot provide a link). :...

sleepysurf

R.I.P. Jack. You were the epitome of wisdom, courage, and integrity. I was fortunate to meet you twice, and will forever be humbled by your accomplishments.

sleepysurf

If you just want something simple like an email group that includes online file and photo storage, calendar, etc. check out https://groups.io/ . The free version (also ad free) might suffice, but the paid version ($110/yr) offers more storage capacity. I set one up for our HOA (as a private group), ...

sleepysurf

We had an active email thread going for a while but it fizzled out. A Facebook group might be good but I don't know if it would do the same. Here is what the South Bay/San Jose, Calif chapter does to keep in touch & sign up - www.bogleheads.org/forum/viewtopic.php?f=9&t=161711&start=100#p4298056 An...

sleepysurf

PALM was a great phone, I loved it, so tiny, absolutely awesome... You probably had the Palm Treo. I had the original Palm Pilot 1000, and virtually every PDA and phone iteration after (including the WebOS Pre). Even though I lost my shirt on the Palm stock, I still "won big" as I ended up marrying...

sleepysurf

I suspect Vanguard could threaten to create their own in-house Indices (as Fidelity now does for their Zero-Fee offerings) if they felt the current S&P, CRSP, etc. licensing fees got too high. I hope they leverage that fact if/when negotiating what they pay!

sleepysurf

Folks, the Forbes article I previously referenced (https://www.forbes.com/sites/greatspecu ... 952ae86260) has a number of graphs illustrating the overall lack of correlation, at least over long market cycles.

sleepysurf

Here's a nice analysis of the affect of interest rates on REIT performance (my apologies if behind a pay wall)... https://www.forbes.com/sites/greatspeculations/2017/07/10/reits-have-complicated-relationship-status-with-interest-rates/#4f952ae86260 Here's an excerpt that summarizes the relationship....

sleepysurf

As a fledgling investor in the late 90's, I bought Munder NetNet Fund, and it tripled over the next year. I cashed out just before it's historic decline. Thinking I was an investing genius, I put all my earnings into the PALM IPO. Years later I finally learned the difference between investing and sp...

sleepysurf

Our next chapter meeting will be Sat Feb 16, from 2-4 PM, at the Seminole Heights Branch Library (Community Room A)... https://www.hcplc.org/locations/seminole-heights It's right off I-275 N, so easy access from surrounding counties. I'll be giving a short presentation comparing Vanguard's Portfolio...

sleepysurf

...Another thing to consider is that I have no idea what my current tax situation is at the moment because of the whole inheritance thing. The estate is still being settled. I don’t know how the sale of this stock will affect my tax situation... Inherited stocks get a "stepped up" cost basis (see W...

sleepysurf

That segment is now online... https://www.today.com/video/money-in-20 ... 6612419978

sleepysurf

ReformedSpender wrote: ↑
Tue Jan 01, 2019 9:35 am
His opinion/advice changes like the wind. Nothing actionable

True re his advice constantly changing. However, with a viewing audience of millions, a segment like that can help us reinforce our "passive" mantra for those less informed.

sleepysurf

Heart be still! Wife turned on the Today Show this morning, and Jim Cramer was spouting his recommendations for 2019. Lo and behold, he sounded more conservative and "BH-like" than ever... saying it's not a sin to allocate more to CD's/MM Funds, and for equities, better to stick with an S&P 500 Inde...

sleepysurf

If your budget is 300K for speakers plus around 100K for amplification check these out. :mrgreen: https://www.youtube.com/watch?v=9QipY5qzmq4 Come on. I know some of you here could pull it off. :D I actually heard that Von Schweikert setup at the Axpona audio show (Chicago) this year. Jaw dropping ...

sleepysurf

Check out the Elac Debut 2.0 series, particularly the B6.2... https://www.elac.com/product/b6-2/?r=us
They were designed by Andrew Jones, who is highly regarded in the industry. The front port allows them to work well even if stuffed into a bookcase.

sleepysurf

I guess you'll need to call Vanguard.

sleepysurf

For clarification, I'm referring to the "Personal Performance" and "Investment Prices and Returns" tabs on this Vanguard (Brokerage) website page... https://personal.vanguard.com/us/myaccounts/personalperformance Perhaps you are referring to a different page view, or are still using the legacy Mutua...

sleepysurf

My graphs and numeric values are accurate, on both website and mobile app. Have you tried refreshing your browser cache?

Is anybody else having this issue?

sleepysurf

On the mobile app and website they show investment returns and % ROI. But when I have a negative ROI they just put 0% Why won’t they show the real % loss? What view(s) are you referring to? When I log onto the Vanguard website (or smartphone app), my portfolio performance (either entire, or custom ...

sleepysurf

Yep, just call your Flagship Rep! Since all your transactions were actually done at Vanguard, they might not even need additional documentation. Let us know how it goes!

sleepysurf

... As you might also be aware, Vanguard has taken this non-requirement to heart. They provide no info beyond average basis for noncovered shares, and they also provide no tools for entering/managing this info yourself... Years ago, Vanguard actually did have an online interface (at least for the o...

sleepysurf

... I've been looking into this a little bit. The Emoney planning system looks good from the videos. Is this something that a client can use even if they don't have a need for a financial plan from Planvision? I'm looking for something robust that will budget future cash inflows/outflows on a month...

sleepysurf

I haven’t used a screen protector since the days of my Palm Pilot :) Looking at my old Pixel (two years old) I don’t see any blemishes/scratches. I never used a screen protector on my Pixel 1, just a thin outer case, and have no scratches whatsoever. Corning's "Gorilla Glass" is indeed quite durabl...

sleepysurf

I had a bad experience when reviewing my elderly mother's portfolio at her local Fidelity branch this past year. At the time, she was primarily in actively managed funds (left over from using an independant AUM Advisor). The local Fidelity Rep pushed for us to stick with the active funds, and to sig...

sleepysurf

We had 5 attendees at today's meeting, including one millennial, three retirees, and one working spouse. In addition to the agenda items, we discussed a variety of topics, including... -Role of the Investment (or Retirement) Policy Statement -Little-known fact that Roth 401k's still have an RMD requ...

sleepysurf

I've never owned a Honda/Acura, but am (er, ? was) interested in buying the new '19 Acura RDX. Unfortunately, the Acura forums are filled with exasperating complaints about mechanical and technical/software issues with this (U.S. manufactured) crossover SUV (for example... https://acurazine.com/foru...

sleepysurf

Before becoming a Boglehead, I had a number of Financial Advisors over a ~25 yr period, paying from 0.6% - 1% AUM, with a typical portfolio comprising 10-20 higher E.R. active funds +/- individual stocks and bonds. In retrospect, I consider what they cost me the "expensive tuition" I paid for my fin...

sleepysurf

Ok folks. We've scheduled our first (re-organizational) meeting for Sat 11/17 from 2 - 4 PM at the Panera's on Westshore Blvd in South Tampa, which should be convenient for all surrounding counties. Full details are listed at our new chapter email group/website... https://groups.io/g/tampabaybogleh...

sleepysurf

... At the end of 2017, being about 7 years out from a possible retirement I adjusted my tax deferred portfolio as follows: 25% Large Cap US Index 25% Small Cap US Index 25% Total Int'l Index 25% Total Bond Fund Not quite a millionaire yet but with 2 years left before I'm 50, I'm at 825K+ So far, s...

sleepysurf

In his most recent podcast, article, and better yet, the video... https://www.youtube.com/watch?v=6CLzymhuVYs&t=13s , Paul and collaborator Chris Pedersen clearly explain the rationale for yet another portfolio, this tweaked Target Date model, offering an impressive backtesting analysis. They do add...

sleepysurf

Ok folks. We've scheduled our first (re-organizational) meeting for Sat 11/17 from 2 - 4 PM at the Panera's on Westshore Blvd in South Tampa, which should be convenient for all surrounding counties. Full details are listed at our new chapter email group/website... https://groups.io/g/tampabayboglehe...

sleepysurf

Bumping up this thread. It is happening to me today. I think it is a good time to do some TLH but I cannot get to my page. No problem on my end (Brokerage account). Actually, upon closer review, there *IS* a glitch with the Cost Basis information in my Brokerage account. Some of my (Spec ID) funds ...

sleepysurf

... If you wish to remain active with the Tampa Bay Bogleheads, please sign up at… https://groups.io/g/tampabaybogleheads You’ll need to reply to the automated request to confirm your email address. One of us will then follow up with you to confirm your Bogleheads User Name, which will also be used...

sleepysurf

PinotGris wrote: ↑
Mon Oct 22, 2018 5:19 pm
Bumping up this thread. It is happening to me today. I think it is a good time to do some TLH but I cannot get to my page.

No problem on my end (Brokerage account).

sleepysurf

The new email group now has two Polls (at our Groups.io website), asking where members reside, and also preferred day of week to meet, in order to better plan centralized meetings (or rotate, if need be). We're aiming to schedule our next meeting in early/mid Nov.

sleepysurf

Folks, Tampaite and myself are hoping to jump-start the Tampa Bay Bogleheads chapter. He created a Google email group in 2016 to help organize local meetings, of which we had two, but none since. Given the continued growth of the Bogleheads, there ought to be a sufficient number of Tampa Bay members...

sleepysurf

I set up a phone appt. with one of the CFP's earlier this year (as I had just retired). He was nice, but unable to give detailed answers re my asset allocation questions, and (appropriately, I guess) referred me back to my "Tax Advisor" for all Roth conversion questions. Unfortunately, he also gave ...

sleepysurf

I'm not a big portfolio watch fan, because so many holding can't be property characterized. As a Vanguard investor, I'm also unhappy with the inaccurate asset class breakdowns in Portfolio Watch. At the annual Vanguard field trip during the recent Bogleheads meeting, I asked one of their I.T. folks...

sleepysurf

I finally gave up on waiting for the Spinn coffee maker, and bought a Delonghi Magnifica XS from Costco. It's a semi-automatic, with manual frothing if you want cappuccino. Very easy to use and clean. Only caveat is you can't use oily beans, as they'll stick in the shallow grinder feed, but Lavazza ...

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