Bogleheads.org

sleepysurf

I use Stitcher. The basic version is free. It remembers where you left off, and can also sync across multiple device. It also has 15 sec rewind and 30 sec fast forward. You can also customize the playback speed (1X, 1.25X, 1.5X, etc.), which I find useful.

sleepysurf

Kudos to Rick and Jack for a superb interview. Great way to kick off the podcast! I'd really like to know more about the woman Jack hired (who also worked in her husbands furniture store) to put together the initial "sampled" S&P 500 portfolio! IMHO, Jack's life story (and history of Vanguard's star...

sleepysurf

...But I've seen nothing but openness and honesty from Asness. He readily admits that active management collectively is a losing game. For what it's worth, he is Jack Bogle's favorite hedge fund manager. They are friendly rivals... Here's a recent AQR Podcast with Cliff Asness and Jack Bogle "discu...

sleepysurf

I've been using it since Crashplan d/c'd their home service. It's been fine thus far for two home computers, with no perceptible decrease in computer performance. Fortunately, I haven't had to do any major restores, but selective file restores have been seamless.

sleepysurf

Despite being an older video, it's still worrisome *IF* not properly applied. Interesting that the report also highlighted homes in FL. The builder of a new local subdivision near me was touting the energy efficiency of sprayed foam insulation as a major selling point. Their model home even had a cu...

sleepysurf

Your post piqued my curiosity. I found an old 2011 receipt, from thetubestore, for a matched pair of (Russian made) Electro-Harmonix 6H30Pi tubes (for my Conrad Johnson CT5 Preamp), unit price $33.95 ea. The current price is $35.95 ea. Not bad! I guess the tubes you're looking for are in short supply.

sleepysurf

I've used Quicken for over 20 yrs, but now rely on Personal Capital for a more accurate snapshot of my true asset allocation spanning 14+ accounts (including Checking, CC's, and various Credit Union accounts with CD's). Unlike Quicken (and Vanguard's archaic Portfolio Watch), PC subdivides Mutual Fu...

sleepysurf

I suggest looking at Groups.io, which is much more robust (founder started eGroups, subsequently acquired by Yahoo). The basic plan is free. Yahoo Groups is no longer supported, and I expect Verizon to eventually pull the plug. I'm actually in the process of migrating our HOA email group to Groups.i...

sleepysurf

I just had an electrician out to my home yesterday. Charged $180/hr as well, which was significantly more than he charged ~4 yrs ago for similar work. He told me his hourly rate is much higher now because all the new local construction has created a shortage of trade personnel, and his business is b...

sleepysurf

Here's the "Millennial" solution! My 25 y/o daughter was flying from Chicago to Miami this past week, and flight was delayed 4 hrs (not sure why). She tweeted a photo of frustrated passengers waiting at the gate, tagging it with @"airline name" and #neveragain. Within a few mins, airline tweeted her...

sleepysurf

Lots of high-end audio gear (Conrad-Johnson, McIntosh, Pass Labs, Vandersteen, and numerous others)!

sleepysurf

Why does Vanguard hire economists & get into the banter about the probability of a recession will be in the next few years? IMO this distracts away from the long-term philosophy of buy & hold with low cost. Does this add value to the average Vanguard investor or just add noise to an already over no...

sleepysurf

ReformedSpender wrote: ↑
Fri Aug 10, 2018 2:45 pm
Turkey makes up a whopping 0.2% of VTIAX. Highly doubt you going to see a fire sale on share price

I'm thinking the market overreacted. VXUS was down ~1.9%, and I needed to rebalance into VTIAX anyways. Not really a "market timing" move for me.

sleepysurf

vineviz wrote: ↑
Fri Aug 10, 2018 1:45 pm
May be a good day for rebalancing?

Thanks Turkey! Just pulled the rebalancing trigger!

sleepysurf

For those willing to gamble, the (long overdue) Spinn automatic might be something to consider... https://www.spinn.com/ I pre-ordered one 2-1/2 yrs ago, and they are waaay behind schedule, but say they are close to getting the kinks out; getting ready for their 2nd beta test, then full manufacturin...

sleepysurf

Obviously, would love to hear Jack's take on Vanguard's new offering of no commission ETF's, and subsequent introduction of Fidelity Zero Index Funds. In his opinion, how should Vanguard respond (if at all)?

sleepysurf

Interesting article from the Philly Inquirer... http://www.philly.com/philly/blogs/inq-phillydeals/vanguard-group-personal-advisor-services-pas-phil-korenman-20180807.html He had just been named to head the Personal Advisory Services unit. Article excerpt... In an email last week to staff, Korenman’...

sleepysurf

As an "audiophile", I've found that listening to music (sitting down and really listening , not just background music) is very relaxing and meditative, particularly if classical and/or acoustic. My favorite all-time album for this is Gary Karr's Super Double Bass (actually XRCD format, but plays on ...

sleepysurf

Jim Dahle, M.D. (White Coat Investor) has a great blog post today putting all this in perspective... https://www.whitecoatinvestor.com/expense-ratios/

sleepysurf

The 'advisor' contacts you (or tries to) once a quarter - if you do not need the service, don't pick up or just say no. overall, the tool is very convinient Bumping this thread, as I just got a very aggressive "sales pitch" phone call from yet another Personal Capital Adviser. In the past, I just t...

sleepysurf

Boglehead Perspectives Podcast

sleepysurf

Of note, in a recent Masters in Business podcast, Ed Yardini tells Barry Ritholtz it's possible we'll just see a prolonged period of "rolling recessions" among various asset classes, vs. the more inclusive downturns of the past... https://www.bloomberg.com/news/audio/2018-05-23/ed-yardeni-discusses-...

sleepysurf

There hasn't been any activity since June 2016, but I'd certainly participate if we can get it going again.

sleepysurf

Fascinating podcast! Merton's comments about Target Date Income Funds vs. generic Target Date Retirement Funds were quite astute. I also loved his other perspectives... Defined Contribution plans (401K, etc.) should emphasize cumulative "projected annual income" (a la "Pension or SPIA equivalency") ...

sleepysurf

TxAg wrote: ↑
Sat Jun 30, 2018 10:15 am
Embrace it. Save money on haircuts!

I grew a beard to compensate, and tell my wife that all the $$ we save on haircuts goes towards her jewelry budget. She's OK with that!

sleepysurf

Fidelity. With the level of assets you describe, you'll get a least an annual free visit with a knowledgable consultant (I don't believe they call them advisors unless you pay for them). It's a plus if you live in or near a city where they have a B&M office. A lot of folks have benefited from this ...

sleepysurf

We had our 16kW natural gas generator installed 12 yrs ago by the same electrical contractor used by our homebuilder (6 yrs after home built), who was also a Generac dealer. It's been trouble-free thus far. It kicks in a few times a month during brief power outages, and has run 4-5 times for extende...

sleepysurf

Barry Ritholtz Masters in Business podcast interviews are quite good, and not solely about investing.

sleepysurf

If work taking > 2 hrs, or very strenuous, I usually give $10-20 per person (towards lunch). Coincidentally, I had all-day repair work done on our swimming pool this week, and, for the first time ever, they DECLINED my offer, saying "No Thanks, we're good!" They even declined cold drinks, saying the...

sleepysurf

Success! She listened to TWO podcasts. First was the Freakonomics "Stupid Money" episode. She actually had me pause it at various times to ask questions. Second was the the "New Retirement" episode with Bill Bernstein, which also prompted some questions. That's all it took for her to finally underst...

sleepysurf

Thanks to all for the great suggestions! We're hitting the road shortly. I'll report back on how it went next week!

sleepysurf

Oddball wrote: ↑
Thu Jun 14, 2018 1:09 pm
...Freakonomics podcast episode "The Stupidest Thing You Can Do With Your Money" http://freakonomics.com/podcast/stupidest-money/

Perfect!! Thanks!

sleepysurf

I'd rather not play videos in the car, as audio-only podcasts are less distracting. Plus, I've tried getting her to watch Rick Van Ness' videos in the past- no luck.

The specific podcasts I've found so far should be sufficient. Only topic missing is Total Portfolio Return vs. just Dividends/Income.

sleepysurf

Not a full podcast, but I found this good NPR segment with Jonathan Clements talking about Mutual Fund returns, and also Target Date Funds... https://www.npr.org/templates/story/sto ... d=18017053

sleepysurf

JoinToday wrote: ↑
Wed Jun 13, 2018 5:31 pm
... I guess if she is engaged, stops the podcast (I assume you stop it) and asks you questions, and maybe you rewind it a little bit, it might be more useful...

That's my plan.

Also, I changed the thread title to "Boglehead-like" podcasts. I, too, would love an official "Boglehead Podcast."

sleepysurf

My 86 y/o widowed mother has been self managing her (low 6 figure) portfolio at Fidelity. She's making ends meet with her ~27% equity asset allocation, but it's a hodgepodge of 8 overlapping funds (mainly domestic large caps); some with high E.R.'s. She's "old school" so has been "chasing performanc...

sleepysurf

...Asked around, and Vanguard's 401(k) offers a similar menu: the 4 Total Market Index Funds (US stock, US bond, Int'l stock, Int'l bond), the Target Retirement series, and 9 active funds, including Wellington, Wellesley, and PRIMECAP, plus a money market fund. In retrospect, I guess the MarketWatc...

sleepysurf

I agree with y'all that Total Stock, etc. are apparently still on option.

sleepysurf

...“The plan will continue to offer a broad choice of index and active funds, including our popular Target Retirement Fund series; our building-block index funds ( Vanguard Total Stock, Vanguard Total Bond, Vanguard Total International Stock, Vanguard Total International Bond ), which are among our...

sleepysurf

Interesting! Vanguard is consolidating their own 401k plan, eliminating the S&P 500 Index option (and others, including Small Cap and some active funds) in favor of Target Date Funds... http://www.philly.com/philly/business/vanguard-sp-500-retirement-index-fund-20180606.html Not sure if they still o...

sleepysurf

...We also hired a Sherwin William color consultant help us pick the color. I believe the cost was $100 and we got a $50 gift card to use toward purchase. It was well worth it. A young gal came out... Hah! My wife and I have been debating possible new interior color options. We never knew about the...

sleepysurf

Can't believe WAZE hasn't been mentioned yet! Although now owned by Google, it's much more useful, IMHO, than Google Maps. However, it's a heavy data user, so need to be careful if you have a limited cell data plan.

sleepysurf

For 15+ years I used 1% AUM advisors (with high E.R. active funds). I eventually stumbled upon Paul Farrell's Lazy Portfolios column, which piqued my curiosity. I built a "Bill Schultheis Coffeehouse Portfolio" (at the original TD Waterhouse), and eventually fired my advisors. I kept educating mysel...

sleepysurf

Started buying BRK.B shares in 1998, unfortunately in a taxable account. Currently represents 3.6% of my total portfolio. Unfortunately, a (former) financial advisor sold 30% of it a few years ago without my permission (ostensibly to rebalance portfolio), triggering big tax hit. I fired him, and sho...

sleepysurf

Vanguard and the CRSP index consider it a value stock as does the Russell index. As others have posted - there are multiple metrics used... My reason for the original post was prompted by my difficulty calculating if/when to rebalance my "Slice and Dice" portfolio, which includes 10% Large Cap Blen...

sleepysurf

Morningstar uses more than just P/B to determine value... http://www.morningstar.com/InvGlossary/morningstar_style_box.aspx Thanks! Didn't realize Morningstar uses such a complicated metric! I presume Personal Capital just blindly imports the Morningstar data. Here's an excerpt of their valuation e...

sleepysurf

Just curious. I have some BRK.B shares (purchased long ago in my "pre-Boglehead" days), and noticed that Morningstar (and Personal Capital) classify it as 100% Large Growth. The P/B ratio is currently ~1.4. Conversely, the S&P 500, with a P/B ratio ~3.25, is classified by them as Large Blend. I woul...

sleepysurf

Has your son, who runs a boutique firm utilizing an ACTIVE investment philosophy, ever altered your own thinking about PASSIVE vs. ACTIVE?

sleepysurf

When setting up a DAF (at least for Vanguard and Fidelity), you're asked to create a "Name" for the fund, which is included with donations to the recipient charity. IMHO, if using multiple "advisors" (i.e. Husband and Wife, or other family members, etc.), it makes sense to choose an "inclusive" DAF ...

sleepysurf

Looks like you can only subscribe to it through Apple Podcasts/iTunes right now. I sent them a comment, suggesting they make it available on Stitcher and other non-Apple platforms. Is there a good way to subscribe to this podcast series through something like Podkicker (which I use for podcasts I li...

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