Search found 154 matches

by sleepysurf
Thu Sep 20, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Android podcast app that remembers where you are in podcast?
Replies: 15
Views: 578

Re: Android podcast app that remembers where you are in podcast?

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.
by sleepysurf
Sat Sep 15, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle
Replies: 58
Views: 5804

Re: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle

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...
by sleepysurf
Tue Sep 11, 2018 8:14 am
Forum: Investing - Theory, News & General
Topic: Cliff Asness: Liquid Alt Ragnarok?
Replies: 80
Views: 5177

Re: Cliff Asness: Liquid Alt Ragnarok?

...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...
by sleepysurf
Mon Sep 03, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: IDrive [Anyone using IDrive cloud backup?]
Replies: 3
Views: 486

Re: IDrive

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.
by sleepysurf
Sun Sep 02, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Video expose' on home spray foam insulation
Replies: 2
Views: 739

Re: Video expose' on home spray foam insulation

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...
by sleepysurf
Fri Aug 31, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Vacuum Tubes
Replies: 15
Views: 1684

Re: Vacuum Tubes

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.
by sleepysurf
Tue Aug 28, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11855

Re: How do you 7 figure guys organize multiple accounts?

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...
by sleepysurf
Mon Aug 20, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: starting an email group
Replies: 9
Views: 628

Re: starting an email group

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...
by sleepysurf
Fri Aug 17, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Quote from Electrician
Replies: 48
Views: 3473

Re: Quote from Electrician

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...
by sleepysurf
Thu Aug 16, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Travel delay: Can I *easily* get $60 back?
Replies: 39
Views: 2703

Re: Travel delay: Can I *easily* get $60 back?

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...
by sleepysurf
Tue Aug 14, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3454

Re: Best consumer products - made in USA

Lots of high-end audio gear (Conrad-Johnson, McIntosh, Pass Labs, Vandersteen, and numerous others)!
by sleepysurf
Sun Aug 12, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE
Replies: 66
Views: 14649

Re: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE

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...
by sleepysurf
Fri Aug 10, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 151
Views: 19918

Re: International stocks in free fall

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.
by sleepysurf
Fri Aug 10, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 151
Views: 19918

Re: International stocks in free fall

vineviz wrote:
Fri Aug 10, 2018 1:45 pm
May be a good day for rebalancing?
Thanks Turkey! Just pulled the rebalancing trigger!
by sleepysurf
Thu Aug 09, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 30
Views: 2389

Re: Grind and Brew Coffee Makers - worth it?

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...
by sleepysurf
Wed Aug 08, 2018 9:14 pm
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE
Replies: 66
Views: 14649

Re: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE

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)?
by sleepysurf
Wed Aug 08, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: Rising Vanguard exec slated to head PAS departs
Replies: 1
Views: 451

Rising Vanguard exec slated to head PAS departs

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’...
by sleepysurf
Tue Aug 07, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Relaxing - quieting the mind
Replies: 47
Views: 3133

Re: Relaxing - quieting the mind

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 ...
by sleepysurf
Wed Aug 01, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: "Personal Capital" program
Replies: 19
Views: 2615

Re: "Personal Capital" program

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...
by sleepysurf
Thu Jul 12, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17904

Re: COMING SOON: BOGLEHEADS PODCASTS

Boglehead Perspectives Podcast
by sleepysurf
Thu Jul 05, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: There will be a recession and market downturn
Replies: 58
Views: 3532

Re: There will be a recession and market downturn

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-...
by sleepysurf
Mon Jul 02, 2018 3:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 70
Views: 14668

Re: Tampa Bay Local Bogleheads Chapter

There hasn't been any activity since June 2016, but I'd certainly participate if we can get it going again.
by sleepysurf
Sat Jun 30, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: Robert Merton on NewRetirement Podcast
Replies: 46
Views: 5217

Re: Robert Merton on NewRetirement Podcast

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") ...
by sleepysurf
Sat Jun 30, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Bogleheads approach to hair loss?
Replies: 15
Views: 1051

Re: Bogleheads approach to hair loss?

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! :D
by sleepysurf
Thu Jun 28, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6515

Re: Vanguard is really pushing their Personal Adviser Service

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 ...
by sleepysurf
Wed Jun 27, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: those with whole home generators: who installed it?
Replies: 28
Views: 2026

Re: those with whole home generators: who installed it?

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...
by sleepysurf
Sun Jun 24, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Podcasts on money management and investing basics
Replies: 22
Views: 1410

Re: Podcasts on money management and investing basics

Barry Ritholtz Masters in Business podcast interviews are quite good, and not solely about investing.
by sleepysurf
Wed Jun 20, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Carpet Installers- Tipping?
Replies: 22
Views: 1848

Re: Carpet Installers- Tipping?

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...
by sleepysurf
Mon Jun 18, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)
Replies: 19
Views: 1640

Re: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)

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...
by sleepysurf
Fri Jun 15, 2018 6:36 am
Forum: Investing - Theory, News & General
Topic: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)
Replies: 19
Views: 1640

Re: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)

Thanks to all for the great suggestions! We're hitting the road shortly. I'll report back on how it went next week!
by sleepysurf
Thu Jun 14, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)
Replies: 19
Views: 1640

Re: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)

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!
by sleepysurf
Thu Jun 14, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)
Replies: 19
Views: 1640

Re: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)

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.
by sleepysurf
Wed Jun 13, 2018 9:00 pm
Forum: Investing - Theory, News & General
Topic: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)
Replies: 19
Views: 1640

Re: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)

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
by sleepysurf
Wed Jun 13, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)
Replies: 19
Views: 1640

Re: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)

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."
by sleepysurf
Wed Jun 13, 2018 2:16 pm
Forum: Investing - Theory, News & General
Topic: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)
Replies: 19
Views: 1640

Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)

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...
by sleepysurf
Wed Jun 06, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's own 401k plan eliminating S&P 500 Index option!
Replies: 86
Views: 8113

Re: Vanguard's own 401k plan eliminating S&P 500 Index option!

...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...
by sleepysurf
Wed Jun 06, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's own 401k plan eliminating S&P 500 Index option!
Replies: 86
Views: 8113

Re: Vanguard's own 401k plan eliminating S&P 500 Index option!

I agree with y'all that Total Stock, etc. are apparently still on option.
by sleepysurf
Wed Jun 06, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's own 401k plan eliminating S&P 500 Index option!
Replies: 86
Views: 8113

Re: Vanguard's own 401k plan eliminating S&P 500 Index option!

...“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...
by sleepysurf
Wed Jun 06, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: Vanguard's own 401k plan eliminating S&P 500 Index option!
Replies: 86
Views: 8113

Vanguard's own 401k plan eliminating S&P 500 Index option!

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...
by sleepysurf
Mon Jun 04, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Interior painting - Sherwin Williams color recommendations
Replies: 28
Views: 2468

Re: Interior painting - Sherwin Williams color recommendations

...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...
by sleepysurf
Fri May 18, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 46
Views: 6636

Re: Unique Phone Apps that you find yourself using most often?

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.
by sleepysurf
Tue May 15, 2018 7:18 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 49
Views: 3501

Re: How did you fall in love with investing?

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...
by sleepysurf
Wed May 02, 2018 6:06 am
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway B
Replies: 65
Views: 6955

Re: Berkshire Hathaway B

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...
by sleepysurf
Wed Mar 28, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: Why is Berkshire Hathaway classified as a Growth stock?
Replies: 19
Views: 2205

Re: Why is Berkshire Hathaway classified as a Growth stock?

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...
by sleepysurf
Tue Mar 27, 2018 2:00 pm
Forum: Investing - Theory, News & General
Topic: Why is Berkshire Hathaway classified as a Growth stock?
Replies: 19
Views: 2205

Re: Why is Berkshire Hathaway classified as a Growth stock?

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...
by sleepysurf
Tue Mar 27, 2018 9:06 am
Forum: Investing - Theory, News & General
Topic: Why is Berkshire Hathaway classified as a Growth stock?
Replies: 19
Views: 2205

Why is Berkshire Hathaway classified as a Growth stock?

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...
by sleepysurf
Thu Mar 22, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE
Replies: 66
Views: 14649

Re: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE

Has your son, who runs a boutique firm utilizing an ACTIVE investment philosophy, ever altered your own thinking about PASSIVE vs. ACTIVE?
by sleepysurf
Thu Mar 15, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund - Joint or Solo?
Replies: 12
Views: 913

Re: Donor Advised Fund - Joint or Solo?

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 ...
by sleepysurf
Wed Mar 14, 2018 7:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's New Podcast Series
Replies: 19
Views: 3192

Re: Vanguard's New Podcast Series

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...