Search found 208 matches
- Sun Feb 17, 2019 9:11 am
- Forum: US Chapters
- Topic: Tampa Bay Local Bogleheads Chapter
- Replies: 87
- Views: 19424
Re: Tampa Bay Local Bogleheads Chapter
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 ...
- Thu Feb 14, 2019 8:30 am
- Forum: US Chapters
- Topic: Tampa Bay Local Bogleheads Chapter
- Replies: 87
- Views: 19424
Re: Tampa Bay Local Bogleheads Chapter
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...
- Thu Jan 31, 2019 5:34 pm
- Forum: Personal Consumer Issues
- Topic: Use of DAC
- Replies: 11
- Views: 812
Re: Use of DAC
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! 

- Wed Jan 30, 2019 9:07 am
- Forum: Personal Consumer Issues
- Topic: Please share some lifestyle creep you regret.
- Replies: 130
- Views: 10706
Re: Please share some lifestyle creep you regret.
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/)
- Mon Jan 28, 2019 4:38 pm
- Forum: Investing - Theory, News & General
- Topic: Expected Growth Next Decade?
- Replies: 48
- Views: 3680
Re: Expected Growth Next Decade?
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...
- Mon Jan 28, 2019 7:53 am
- Forum: Personal Investments
- Topic: Investment experts predict that US equity will return -4.1% to 2.6% over the next decade. Time to get out of US equity?
- Replies: 75
- Views: 8029
Re: Investment experts predict that US equity will return -4.1% to 2.6% over the next decade. Time to get out of US equi
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...
- Sun Jan 27, 2019 12:57 pm
- Forum: Personal Investments
- Topic: Tracking Investments
- Replies: 9
- Views: 382
- Thu Jan 24, 2019 6:27 am
- Forum: Personal Consumer Issues
- Topic: Anyone use Teamviewer (remote access) software?
- Replies: 20
- Views: 926
Re: Anyone use Teamviewer (remote access) software?
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...
- Wed Jan 23, 2019 9:22 pm
- Forum: Personal Consumer Issues
- Topic: What lifestyle creep made you happier?
- Replies: 291
- Views: 24920
Re: What lifestyle creep made you happier?
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)
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)
- Tue Jan 22, 2019 8:25 am
- Forum: Investing - Theory, News & General
- Topic: "Bogleheads on Investing" podcast growing audience
- Replies: 24
- Views: 2627
Re: "Bogleheads on Investing" podcast growing audience
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.
Although he isn't a money manager, I also hope Jason Zweig is on the list.
- Mon Jan 21, 2019 8:59 am
- Forum: Investing - Theory, News & General
- Topic: Tributes to Jack Bogle
- Replies: 151
- Views: 14718
Re: Tributes to Jack Bogle
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). :...
- Wed Jan 16, 2019 6:54 pm
- Forum: Investing - Theory, News & General
- Topic: John Bogle has died at age 89
- Replies: 856
- Views: 49223
Re: John Bogle is dead at 89
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.
- Tue Jan 15, 2019 7:24 am
- Forum: Personal Consumer Issues
- Topic: Website/Tool for HOA
- Replies: 16
- Views: 1229
Re: Website/Tool for HOA
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), ...
- Mon Jan 14, 2019 8:41 am
- Forum: US Chapters
- Topic: St Louis Bogleheads
- Replies: 117
- Views: 17085
Re: St Louis Bogleheads
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...
- Sat Jan 12, 2019 2:07 pm
- Forum: Investing - Theory, News & General
- Topic: Did you ever "win" big?
- Replies: 133
- Views: 9720
Re: Did you ever "win" big?
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...
- Sat Jan 12, 2019 8:51 am
- Forum: Investing - Theory, News & General
- Topic: Is snp charging too much fees for indexing? [Standard-n-Poor index]
- Replies: 18
- Views: 1236
Re: Is snp charging too much fees for indexing?
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!
- Fri Jan 11, 2019 12:52 pm
- Forum: Investing - Theory, News & General
- Topic: Are REITs better to purchase when interest rates are high or low?
- Replies: 68
- Views: 4695
Re: Are REITs better to purchase when interest rates are high or low?
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.
- Fri Jan 11, 2019 8:16 am
- Forum: Investing - Theory, News & General
- Topic: Are REITs better to purchase when interest rates are high or low?
- Replies: 68
- Views: 4695
Re: Are REITs better to purchase when interest rates are high or low?
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....
- Fri Jan 11, 2019 7:55 am
- Forum: Investing - Theory, News & General
- Topic: Did you ever "win" big?
- Replies: 133
- Views: 9720
Re: Did you ever "win" big?
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...
- Thu Jan 10, 2019 5:37 pm
- Forum: US Chapters
- Topic: Tampa Bay Local Bogleheads Chapter
- Replies: 87
- Views: 19424
Re: Tampa Bay Local Bogleheads Chapter
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...
- Wed Jan 09, 2019 9:51 pm
- Forum: Personal Investments
- Topic: I inherited individual stock. Should I sell it now or wait?
- Replies: 28
- Views: 2342
Re: I inherited individual stock. Should I sell it now or wait?
...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...
- Tue Jan 01, 2019 2:31 pm
- Forum: Investing - Theory, News & General
- Topic: Cramer touting CD's, MM Funds, and S&P 500 Index on Today Show!
- Replies: 16
- Views: 2543
Re: Cramer touting CD's, MM Funds, and S&P 500 Index on Today Show!
That segment is now online... https://www.today.com/video/money-in-20 ... 6612419978
- Tue Jan 01, 2019 10:14 am
- Forum: Investing - Theory, News & General
- Topic: Cramer touting CD's, MM Funds, and S&P 500 Index on Today Show!
- Replies: 16
- Views: 2543
Re: Cramer touting CD's, MM Funds, and S&P 500 Index on Today Show!
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.ReformedSpender wrote: ↑Tue Jan 01, 2019 9:35 amHis opinion/advice changes like the wind. Nothing actionable
- Tue Jan 01, 2019 9:13 am
- Forum: Investing - Theory, News & General
- Topic: Cramer touting CD's, MM Funds, and S&P 500 Index on Today Show!
- Replies: 16
- Views: 2543
Cramer touting CD's, MM Funds, and S&P 500 Index on Today Show!
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...
- Tue Jan 01, 2019 8:31 am
- Forum: Personal Consumer Issues
- Topic: Bookshelf speakers under $300
- Replies: 81
- Views: 3450
Re: Bookshelf speakers under $300
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 ...
- Wed Dec 26, 2018 11:24 am
- Forum: Personal Consumer Issues
- Topic: Bookshelf speakers under $300
- Replies: 81
- Views: 3450
Re: Bookshelf speakers under $300
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.
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.
- Fri Dec 21, 2018 4:39 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard doesn’t show ROI % anywhere on the website or mobile app
- Replies: 11
- Views: 664
Re: Vanguard doesn’t show ROI % anywhere on the website or mobile app
I guess you'll need to call Vanguard.
- Fri Dec 21, 2018 4:11 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard doesn’t show ROI % anywhere on the website or mobile app
- Replies: 11
- Views: 664
Re: Vanguard Return on Investment won’t show negative % - website/mobile app
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...
- Fri Dec 21, 2018 2:52 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard doesn’t show ROI % anywhere on the website or mobile app
- Replies: 11
- Views: 664
Re: Vanguard Return on Investment won’t show negative % - website/mobile app
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?
Is anybody else having this issue?
- Fri Dec 21, 2018 8:19 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard doesn’t show ROI % anywhere on the website or mobile app
- Replies: 11
- Views: 664
Re: Vanguard Return on Investment won’t show negative % - website/mobile app
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 ...
- Tue Dec 18, 2018 9:25 am
- Forum: Personal Investments
- Topic: Cost basis tracking
- Replies: 31
- Views: 2357
Re: Cost basis tracking
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!
- Tue Dec 18, 2018 8:49 am
- Forum: Personal Investments
- Topic: Cost basis tracking
- Replies: 31
- Views: 2357
Re: Cost basis tracking
... 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...
- Mon Dec 03, 2018 4:04 pm
- Forum: Personal Investments
- Topic: $96/year Planning
- Replies: 10
- Views: 2309
Re: $96/year Planning
... 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...
- Mon Dec 03, 2018 2:35 pm
- Forum: Personal Consumer Issues
- Topic: Pixel 3 early adopters: any feedback?
- Replies: 42
- Views: 3413
Re: Pixel 3 early adopters: any feedback?
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...
- Wed Nov 28, 2018 3:30 pm
- Forum: Investing - Theory, News & General
- Topic: Do Fidelity Offices/Advisors Add Value?
- Replies: 44
- Views: 2825
Re: Do Fidelity Offices/Advisors Add Value?
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...
- Sat Nov 17, 2018 6:23 pm
- Forum: US Chapters
- Topic: Tampa Bay Local Bogleheads Chapter
- Replies: 87
- Views: 19424
Re: Tampa Bay Local Bogleheads Chapter
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...
- Thu Nov 15, 2018 8:17 am
- Forum: Personal Consumer Issues
- Topic: Honda reliability slipping?
- Replies: 58
- Views: 7529
Re: Honda reliability slipping?
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...
- Sun Nov 11, 2018 8:37 am
- Forum: Personal Finance (Not Investing)
- Topic: Anyone use a Wealth Manager?
- Replies: 26
- Views: 3222
Re: Anyone use a Wealth Manager?
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...
- Sat Nov 10, 2018 1:10 pm
- Forum: US Chapters
- Topic: Tampa Bay Local Bogleheads Chapter
- Replies: 87
- Views: 19424
Re: Tampa Bay Local Bogleheads Chapter
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...
- Sun Nov 04, 2018 8:21 pm
- Forum: Investing - Theory, News & General
- Topic: The "Armchair Millionaire"- the "original" 3 fund portfolio?
- Replies: 9
- Views: 3217
Re: The "Armchair Millionaire"- the "original" 3 fund portfolio?
... 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...
- Wed Oct 31, 2018 11:00 pm
- Forum: Personal Investments
- Topic: Paul Merriman's 2-fund portfolio: Suggestions for small-cap funds
- Replies: 15
- Views: 2376
Re: Paul Merriman's 2-fund portfolio: Suggestions for small-cap funds
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...
- Wed Oct 24, 2018 6:13 pm
- Forum: US Chapters
- Topic: Tampa Bay Local Bogleheads Chapter
- Replies: 87
- Views: 19424
Re: Tampa Bay Local Bogleheads Chapter
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...
- Wed Oct 24, 2018 2:24 pm
- Forum: Personal Investments
- Topic: Vanguard cost basis information suddenly "not available online"
- Replies: 12
- Views: 1801
Re: Vanguard cost basis information suddenly "not available online"
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 ...
- Tue Oct 23, 2018 7:55 am
- Forum: US Chapters
- Topic: Tampa Bay Local Bogleheads Chapter
- Replies: 87
- Views: 19424
Re: Tampa Bay Local Bogleheads Chapter
... 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...
- Mon Oct 22, 2018 5:31 pm
- Forum: Personal Investments
- Topic: Vanguard cost basis information suddenly "not available online"
- Replies: 12
- Views: 1801
- Sun Oct 14, 2018 1:47 pm
- Forum: US Chapters
- Topic: Tampa Bay Local Bogleheads Chapter
- Replies: 87
- Views: 19424
Re: Tampa Bay Local Bogleheads Chapter
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.
- Sat Oct 13, 2018 2:15 pm
- Forum: US Chapters
- Topic: Tampa Bay Local Bogleheads Chapter
- Replies: 87
- Views: 19424
Re: Tampa Bay Local Bogleheads Chapter
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...
- Fri Oct 12, 2018 1:17 pm
- Forum: Personal Investments
- Topic: Vanguard Flagship complimentary CFP services
- Replies: 13
- Views: 1554
Re: Vanguard Flagship complimentary CFP services
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 ...
- Tue Oct 09, 2018 6:38 pm
- Forum: Personal Investments
- Topic: Vanguard Portfolio Watch advice
- Replies: 14
- Views: 1183
Re: Vanguard Portfolio Watch advice
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...
- Tue Oct 09, 2018 12:21 pm
- Forum: Personal Consumer Issues
- Topic: Grind and Brew Coffee Makers - worth it?
- Replies: 39
- Views: 3585
Re: Grind and Brew Coffee Makers - worth it?
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 ...