Search found 351 matches

by sleepysurf
Tue Jun 02, 2020 6:10 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1541
Views: 125040

Re: Small Cap Value heads Rejoice !!!

Forester wrote:
Tue Jun 02, 2020 4:29 pm
Return since April 3rd (official Value Bottom)

IJS +32.4%

QQQ +28.5%
VMVAX +27.6%
VEXAX +38.7%
VTSAX +25.4% (for reference)
by sleepysurf
Tue Jun 02, 2020 1:45 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1541
Views: 125040

Re: Small Cap Value heads Rejoice !!!

I had a significant Small Value/Blend tilt (10% in VSIAX and 10% in VSMAX) for almost 20 years (modeled after the Coffeehouse Portfolio). On March 24, I TLH'd those holdings, and converted all the proceeds to VEXAX (Vanguard Extended Market Index), which, admittedly, is more of a Mid + Growth tilt. ...
by sleepysurf
Sun May 31, 2020 5:02 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a comfortable desk chair on a budget
Replies: 31
Views: 1691

Re: Suggestions for a comfortable desk chair on a budget

I posted (in another thread) about recently purchasing a Steelcase Criterion chair, which I've fallen in love with. It's exceedingly comfortable, with myriad adjustments. In true Boglehead fashion, I bought a refurbished one online from Crandall Office Furniture. Saved a bunch of $$, and it looks an...
by sleepysurf
Mon May 18, 2020 9:50 pm
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 188
Views: 13960

Re: Some possible luxury SUV choices to buy: Opinions?

Bumping this thread. Toyota is reintroducing the Venza as 2021 hybrid crossover SUV, positioned between the RAV4 and Lexus RX... https://pressroom.toyota.com/toyota-breaks-the-sameness-barrier-with-all-new-2021-venza-crossover/ Not sure if OP ever bought a new SUV, but this new model (especially wit...
by sleepysurf
Sun May 17, 2020 5:11 pm
Forum: US Chapters
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 105
Views: 34443

Re: Tampa Bay Local Bogleheads Chapter

Thanks to all who participated in our May video meeting. At least with Zoom, the "snowbirds" could join us from afar! We had a nice wide-ranging discussion (too many topics to summarize here), but it sounded like everybody has been "staying the course!" Jack would be proud! The consensus was to cont...
by sleepysurf
Fri May 15, 2020 3:27 pm
Forum: Personal Consumer Issues
Topic: Buying Amazon vs direct from company....
Replies: 40
Views: 3187

Re: Buying Amazon vs direct from company....

MrCastaway wrote:
Fri May 15, 2020 1:02 pm
Direct is better for warranty support and also they may not charge tax depending on your state. They could also give u a deal if u call and talk to sales.
In addition to the above, you can often get a coupon code (10-15% off first purchase) if you sign up for email alerts at a company website.
by sleepysurf
Wed May 13, 2020 8:16 am
Forum: Investing - Theory, News & General
Topic: Ben Felix - How to Retire Early (The 4% Rule)
Replies: 221
Views: 15508

Re: Ben Felix - How to Retire Early (The 4% Rule)

Never heard of Ben Felix. Is he pretty well known/respected in the investment community? He's an Advisor/Portfolio Manager for a Canadian firm (see... https://www.pwlcapital.com/profile/benjamin-felix/) that advocates passive funds with factor tilts. He has a "Boglehead-ish" YouTube channel (https:...
by sleepysurf
Fri May 08, 2020 9:35 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle....The Legacy Less Traveled.
Replies: 19
Views: 3176

Re: Jack Bogle....The Legacy Less Traveled.

Thank you for sharing this. I hope the financial journalists, and those in the financial services industry, who were the apparent intended audience for this webinar, will continue spreading Jack's gospel. Too bad they didn't get in a plug for the John C. Bogle Center for Financial Literacy, nor the ...
by sleepysurf
Thu May 07, 2020 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital: You Index vs Performance
Replies: 10
Views: 1097

Re: Personal Capital: You Index vs Performance

It appears the "You Index" is a merely a "backtested performance" calculation based on your current portfolio (with some exceptions), so not an accurate representation of your true performance. It potentially excludes some holdings, as noted in their definition here... https://support.personalcapita...
by sleepysurf
Tue May 05, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 448
Views: 57135

Re: What lifestyle creep made you happier?

Since spending more time at my computer these days, I decided to upgrade my flimsy old office chair with a higher-end model, offering more adjustments and support. Ended up buying a Steelcase Criterion chair, which I'm falling in love with. In true Boglehead fashion, however, I bought a refurbished ...
by sleepysurf
Mon May 04, 2020 3:07 pm
Forum: US Chapters
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 105
Views: 34443

Re: Tampa Bay Local Bogleheads Chapter

I PM'd you.
by sleepysurf
Mon May 04, 2020 2:24 pm
Forum: US Chapters
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 105
Views: 34443

Re: Tampa Bay Local Bogleheads Chapter

Our next quarterly meeting will be a Zoom session, on Sat May 16th, from 2-4+ PM. The meeting link will distributed next week via our chapter email group. This time around, we'll just have an open Q&A session, addressing whatever topics come up. We hope everybody is doing well, and look forward to e...
by sleepysurf
Tue Apr 21, 2020 7:33 pm
Forum: Investing - Theory, News & General
Topic: whos' just about had it w/ SCV ?
Replies: 263
Views: 16408

Re: whos' just about had it w/ SCV ?

As I posted elsewhere, I took a different "tack" during this correction, and exchanged all my SCV and SCB to the Vanguard Extended Market Index (VEXAX). It's a Mid/Small "cap weighted" fund (currently tilting a bit more to growth than value), and includes everything in the Total Stock Market Index m...
by sleepysurf
Mon Apr 13, 2020 1:24 pm
Forum: US Chapters
Topic: Consider Zoom video conferencing for chapter meetings
Replies: 16
Views: 1212

Re: Consider Zoom video conferencing for chapter meetings

... it appears you can't schedule a meeting in advance, so you need to start the meeting at the agreed-upon time, then forward the URL to participants. FYI, I just discovered that with Jitsi you can actually schedule meetings in advance. Just create a unique Meeting Name (that's the key), and start...
by sleepysurf
Sun Apr 12, 2020 1:43 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1541
Views: 125040

Re: Small Cap Value heads Rejoice !!!

The current Rational Reminder podcast features Cliff Asness with his take on factor (especially value) investing... https://youtu.be/1v_NOLc02Hk It's a MUST HEAR discussion for those grappling with whether or not to "stay the course" with Small Cap Value (or similar) tilts. Even if you don't believe...
by sleepysurf
Sun Apr 12, 2020 1:30 pm
Forum: US Chapters
Topic: Consider Zoom video conferencing for chapter meetings
Replies: 16
Views: 1212

Re: Consider Zoom video conferencing for chapter meetings

... and you can't slip away for a minute if you need to). It's stressful to be on a dedicated video panel constantly for the entire meeting... Actually, on Zoom (or Jitsi) you can slip away, if need be, by either turning off your video camera, and muting your mic, or just leaving the meeting for a ...
by sleepysurf
Tue Apr 07, 2020 1:17 pm
Forum: US Chapters
Topic: Consider Zoom video conferencing for chapter meetings
Replies: 16
Views: 1212

Re: Consider Zoom video conferencing for chapter meetings

Thanks Boston and NY for those great Zoom session tips! FYI, for those without paid Zoom accounts (for longer meetings), check out https://jitsi.org/jitsi-meet/ , which is a FREE (open source) video conferencing platform offering the same basic functionality as Zoom. I used it for another group I'm ...
by sleepysurf
Sun Apr 05, 2020 9:31 am
Forum: Personal Investments
Topic: Any high bracket investors dumping munis?
Replies: 127
Views: 9402

Re: Any high bracket investors dumping munis?

Wow! You paid quite a premium for VSIGX. The price is at a long-time high, and the yields are about to hit long-time lows. I thought about making the exact same exchange (VWIUX for VSIGX) until I realized what a bad deal VSIGX has become in the last month. True! That's what happens with a "flight t...
by sleepysurf
Sat Apr 04, 2020 5:28 pm
Forum: Personal Investments
Topic: Any high bracket investors dumping munis?
Replies: 127
Views: 9402

Re: Any high bracket investors dumping munis?

In taxable, I just exchanged my Vanguard Intermediate Term Tax Exempt (VWIUX) to Vanguard Intermediate Term Treasury Index (VSIGX). I'm still holding some Limited Term Tax Exempt (VMLUX). The main reason I changed was to get my Muni bond holdings to <20% of total Fixed Income, as Allan Roth has been...
by sleepysurf
Thu Apr 02, 2020 8:47 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 625
Views: 32903

Re: What are you listening to now

Ellis Marsalis- Heart of Gold. The jazz pianist, and patriarch of the exceptional Marsalis family, passed away yesterday from Covid 19. He was 85.
by sleepysurf
Wed Apr 01, 2020 4:07 pm
Forum: US Chapters
Topic: Consider Zoom video conferencing for chapter meetings
Replies: 16
Views: 1212

Re: Consider Zoom video conferencing for chapter meetings

The security concerns, at least for BH local chapter meetings, can be easily addressed by the host NOT publicly posting the link, and/or requiring a meeting password to join, and also turning off "Video Sharing" and "Screen Sharing" as defaults for participants, to prevent "Zoombombing." Besides, 99...
by sleepysurf
Wed Apr 01, 2020 1:59 pm
Forum: US Chapters
Topic: Consider Zoom video conferencing for chapter meetings
Replies: 16
Views: 1212

Consider Zoom video conferencing for chapter meetings

For those local chapters unable to meet due to the pandemic, you might consider using Zoom (or a similar) video conferencing app, for interactive online meetings, to share investing perspectives and/or provide support to one another. While the recent Forum discussions have been great resources for n...
by sleepysurf
Mon Mar 30, 2020 7:36 am
Forum: Personal Investments
Topic: Dumping small value?
Replies: 107
Views: 8626

Re: Dumping small value?

In another thread "Tapering Down Tilts"... https://www.bogleheads.org/forum/viewtopic.php?f=1&t=309047, I posted about the approach I took to "unwind" a bit from Small Value (and Small Blend) without totally "throwing in the towel." After much thought, I decided to simplify a little, but still maint...
by sleepysurf
Fri Mar 27, 2020 9:55 pm
Forum: Investing - Theory, News & General
Topic: Market Cap Breakdown
Replies: 6
Views: 326

Re: Market Cap Breakdown

HANK1964 wrote:
Fri Mar 27, 2020 12:28 pm
sleepy surf,
Perhaps I did something wrong because when I totaled the 9 squares I got 95%...
Hah! Maybe they just rounded to the nearest digit.

As I recall, Mid Caps used to be approximately 6 - 6 - 6 and Small Caps 2 - 2 - 2. Not sure what's going on there!
by sleepysurf
Fri Mar 27, 2020 12:09 pm
Forum: Investing - Theory, News & General
Topic: Market Cap Breakdown
Replies: 6
Views: 326

Re: Market Cap Breakdown

It's still there, but their "Map" view is now the default for Stock Style. Just click on the "Weight" tab to view it... https://www.morningstar.com/funds/xnas/vtsax/portfolio
by sleepysurf
Mon Mar 23, 2020 3:02 pm
Forum: Personal Investments
Topic: Tapering down tilts
Replies: 13
Views: 836

Re: Tapering down tilts

... This downturn (especially if a further drop Monday) would allow me to convert 90+% of my remaining Small and Value positions to the Total Stock Market Index, in one fell swoop, with minimal tax consequences. I'm going to sleep on it tonight, and reevaluate in AM. After much thought, I decided t...
by sleepysurf
Sun Mar 22, 2020 9:33 pm
Forum: Personal Investments
Topic: Tapering down tilts
Replies: 13
Views: 836

Re: Tapering down tilts

...I came to BH with a Coffeehouse portfolio 5 years ago and have been simplifying ever since. I'm in the same boat, trying to simplify the residual Coffeehouse portfolio I've had in a taxable account since 2004. I was still in accumulation phase 2007-08, so kept adding to my Small and Value holdin...
by sleepysurf
Wed Mar 18, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 120
Views: 9329

Re: Any audiophiles on this forum?

On a related note, now is the time to support your favorite lesser-known musicians (near and far) by buying their LP's, CD's, or music downloads. Unfortunately, like many other "gig workers," many are losing scheduled bookings.
by sleepysurf
Wed Mar 18, 2020 9:04 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 170
Views: 9275

Re: What is your AA, given your age ? and this crisis ?

Age 65, 50:50 allocation since retired 2 yrs ago (no pension, delaying SS). Currently down to 45.3% stocks, and likely hitting my rebalancing band again at today's market close. Last week I did some partial Roth conversions (bonds to stocks), but will sit tight until the virus appears to have peaked.
by sleepysurf
Thu Mar 12, 2020 10:48 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces joins Buckingham/Swedroe
Replies: 4
Views: 609

Re: Michael Kitces joins Buckingham/Swedroe

What are their fees, or ballpark? I tried to find them via their website and google,but was unsuccessful. I assume when they're hidden like that, you probably don't wan't to know. From Buckingham's latest SEC Form ADV Part 2 filing https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Broc...
by sleepysurf
Thu Mar 12, 2020 9:55 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces joins Buckingham/Swedroe
Replies: 4
Views: 609

Michael Kitces joins Buckingham/Swedroe

Interesting news in the RIA world... http://www.webstercountycitizen.com/news/state/article_a0652331-dff8-558f-a0c8-59b5e4cc4498.html I think many of us are fans of Michael Kitces writing and research (https://www.kitces.com/blog/category/17-nerds-eye-view/), so it will be interesting to see what im...
by sleepysurf
Tue Mar 10, 2020 9:19 am
Forum: Investing - Theory, News & General
Topic: Bogleheads got a shout-out on Bloomberg radio
Replies: 14
Views: 1266

Re: Bogleheads got a shout-out on Bloomberg radio

Here's the direct article link on Bloomberg... https://www.bloomberg.com/news/articles ... s-pummeled

Not really much else mentioned about us. Maybe they were just using the 'Bogleheads' moniker as "clickbait!"
by sleepysurf
Sat Mar 07, 2020 9:41 pm
Forum: Personal Investments
Topic: Vanguard's Asset Mix Pie Chart
Replies: 19
Views: 1661

Re: Vanguard's Asset Mix Pie Chart

With the money I have that isn’t in the 2035 Target Date fund, I slice and dice (mostly for fun, but also as an experiment). Vanguard’s tracking tool is too crude to be very useful. For instance, it tells me I have 0% small cap growth and mid cap growth, which is false by reasonable definitions of ...
by sleepysurf
Fri Mar 06, 2020 2:32 pm
Forum: Personal Investments
Topic: it's better to do Roth conversion in a down market ?
Replies: 31
Views: 2746

Re: it's better to do Roth conversion in a down market ?

I'm "killing two birds with one stone"... reducing my VTABX (International Bonds) holdings in my IRA (which I've been doing anyways), and maintaining my overall 50% equity allocation by doing partial 2020 Roth conversions into VTSAX (Total Stock Market). So far, I've converted 50% of my planned 2020...
by sleepysurf
Thu Mar 05, 2020 12:48 pm
Forum: Personal Investments
Topic: Vanguard 40% int'l stock allocation
Replies: 40
Views: 2635

Re: Vanguard 40% int'l stock allocation

Jack Bogle also advocated underweighting International, suggesting no more than 20%. Vanguard preaches 40%. I'm splitting the difference with 30%.
by sleepysurf
Sun Mar 01, 2020 2:32 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 625
Views: 32903

Re: What are you listening to now

Ray Charles album... Genius Loves Company, which includes his duet cover (with Natalie Cole) of Fever, which is the perfect track while reading all these Coronavirus threads!
by sleepysurf
Thu Feb 27, 2020 6:15 pm
Forum: Investing - Theory, News & General
Topic: who is worried and feels like selling stocks?
Replies: 254
Views: 18836

Re: Who else has sold? If you haven't do you have Plan B?

I'm buying/rebalancing, and also executed ~25% of my planned 2020 Roth conversion. No panic here, even if this turns into more than a 10% correction.
by sleepysurf
Sun Feb 16, 2020 9:33 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman is my guest on this "Bogleheads on Investing" podcast
Replies: 137
Views: 10034

Re: Paul Merriman is my guest on this "Bogleheads on Investing" podcast

Paul is a very nice man but I was not convinced either. A seasoned prop advocating for "market timing" - I thought I was in an alternative universe. Rick was kind to hear him out and not destroy him - I know he could have. It's a misconception that Paul Merriman advocates market timing for DIY-ers....
by sleepysurf
Sat Feb 15, 2020 10:07 pm
Forum: US Chapters
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 105
Views: 34443

Re: Tampa Bay Local Bogleheads Chapter

Thanks to all who attended our Feb meeting, especially those coming from Orlando and Sarasota! We're still growing, with 19 attendees (if we count the cute 8 month old who brought her parents), and a nice blend of young and old. We had two member presentations: one addressing Philosophy vs. Strategy...
by sleepysurf
Thu Feb 13, 2020 5:42 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman is my guest on this "Bogleheads on Investing" podcast
Replies: 137
Views: 10034

Re: Paul Merriman is my guest on this "Bogleheads on Investing" podcast

FYI, Paul also addressed these issues in his MarketWatch article today... https://www.marketwatch.com/story/the-lessons-of-vanguards-jack-bogle-have-helped-countless-investors-but-his-picks-could-be-improved-2020-02-13 It's a nice and concise explanation. BTW, Paul has previously stated that it's th...
by sleepysurf
Wed Feb 12, 2020 6:39 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman is my guest on this "Bogleheads on Investing" podcast
Replies: 137
Views: 10034

Re: Paul Merriman is my guest on this "Bogleheads on Investing" podcast

Paul Merriman's latest podcast (https://paulmerriman.com/podcasts/) specifically addresses the issues raised in this thread following his interview with Rick Ferri. I won't try to summarize it, but, rather, just refer Paul's supporters, and naysayers, to have a listen. From my perspective, I think P...
by sleepysurf
Tue Feb 11, 2020 6:24 pm
Forum: Investing - Theory, News & General
Topic: Bill Schultheis/Coffeehouse Investor YouTube channel
Replies: 0
Views: 281

Bill Schultheis/Coffeehouse Investor YouTube channel

I'm a fan of Bill Schultheis/Coffeehouse Investor, and discovered he now has a YouTube channel, featuring short, but insightful, content. His first video of 2020 was a tribute to John Bogle... https://www.youtube.com/watch?v=CfK5EMRWI1s

Check it out, as well as the others.
by sleepysurf
Tue Feb 11, 2020 10:19 am
Forum: US Chapters
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 105
Views: 34443

Re: Tampa Bay Local Bogleheads Chapter

Just a reminder about our upcoming meeting this Sat, from 2-4(+) PM, at the West Tampa Branch Library (see above post for additional details, including how to sign up for our chapter email list). In addition to our regular BH crowd, we have 10 RSVP's thus far from the local Tampa ChooseFI group. Loo...
by sleepysurf
Mon Feb 10, 2020 9:03 am
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 19710

Re: What is your most luxury/expensive hobby.

Luxury travel has become our biggest expense. Just booked a large house at Wintergreen Resort for a week together with our adult kids and their spouses (with 1st grandchild on the way), to be followed a month later for DW and my 5th Backroads biking vacation (in Oregon). We also took a (very high-en...
by sleepysurf
Sun Feb 02, 2020 12:23 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 625
Views: 32903

Re: What are you listening to now

Tapestry by Carole King. Timeless classic! DW and I have tickets to see a "cover artist" perform it later today.
by sleepysurf
Sat Feb 01, 2020 11:26 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman is my guest on this "Bogleheads on Investing" podcast
Replies: 137
Views: 10034

Re: Paul Merriman is my guest on this "Bogleheads on Investing" podcast

Paul Merriman, like Rick, and others, is definitely one of the "good guys" in the investing education arena. He's not alone in promoting a "sliced and diced" asset (or sub-asset) class approach (e.g. Bill Schultheis' Coffeehouse Portfolio, and many others), and deserves respect for what he does, eve...
by sleepysurf
Sun Jan 26, 2020 8:09 am
Forum: Personal Consumer Issues
Topic: Most inexpensive places to buy new cabinets and countertops
Replies: 21
Views: 2468

Re: Most inexpensive places to buy new cabinets and countertops

We replace our kitchen cabinets several years ago. We did not go the cheap route but wanted decent cabinets at an affordable price. I looked at a lot of places but locked in on Lowes and was ready to buy cabinets when they went on sale. For due diligence, I decided to get a quote from a custom cabi...
by sleepysurf
Thu Jan 23, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 625
Views: 32903

Re: What are you listening to now

Eva Cassidy- Nightbird , remastered album of her "Live at Blues Alley" performance, with many more tracks. What an incredible talent. Sad that we lost her at such a young age. For those not familiar with her... https://en.wikipedia.org/wiki/Eva_Cassidy Here's one of her rare video's... https://www.y...
by sleepysurf
Tue Jan 21, 2020 8:26 am
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 188
Views: 13960

Re: Some possible luxury SUV choices to buy: Opinions?

If OP can hold out until end of the year (or early 2021), the Genesis GV70 might fit the bill. Their newly announced GV80 looks fantastic, with all the crash prevention technology he desires (see... https://www.youtube.com/watch?v=YQpodfl-m_Q), but too high a price point. It will be offered with opt...
by sleepysurf
Fri Jan 17, 2020 2:59 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman -SCV- 1930-2019 Evidence - Patience Leads to Better Returns
Replies: 85
Views: 6011

Re: Paul Merriman -SCV- 1930-2019 Evidence - Patience Leads to Better Returns

As one who partially "slices and dices" into the four domestic asset classes referenced in Paul's charts (plus 30% International and 5% domestic REIT's), I'm more optimistic that Small and Value will still provide the expected long term risk-adjusted premium. However, even if they don't, I'll still ...