Bogleheads.org

sleepysurf

... What I don't like about PC is that if keeps your cash separate from investments for overall portfolio... FYI, Personal Capital now has a checkbox, in the account "Edit" mode, where you can designate Bank Accounts (cash, CD's, etc.) to be included in your overall investment portfolio, for your t...

sleepysurf

Thanks! This looks like the best CD rate since the Andrews Federal deal ended earlier this year. GTE only has a "B" financial rating at DepositAccounts, but they've been around a long time in the Tampa Bay area. The add-on option is also a nice perk.

sleepysurf

... the best battery failure insurance may be a set of 6 gauge or thicker(smaller gauge #) copper jumper cables with good clamps. I think modern cars drain their batteries when not driven for a few weeks worse than older cars did because of modern electronics memories that stay on constantly... Tru...

sleepysurf

For those of you tracking your investment/bank accounts with Personal Capital (via Yodlee), you can opt-in for a daily email summary of all transactions... https://support.personalcapital.com/hc/en-us/articles/201169780-Daily-Email-Your-continuous-Money-Monitor For those concerned about security wit...

sleepysurf

Some pundits, such as Edward Yardeni, are calling this a market "meltup," presumably due to continued strong earnings... https://www.cnbc.com/2017/07/28/market-melt-up-could-push-stocks-to-new-records-yardeni-says.html Personally, I'm starting to think about Buffett's "be fearful when others are gre...

sleepysurf

The gas grid relies on electric pumps to maintain pressure and integrity - once optimum pressure was lost the gas lines had ice crystallization in many places and it took weeks to get them back online. Here is one article that speaks about these situations and weakness's..... https://www.forbes.com...

sleepysurf

I posted this in another REIT thread, but more relevant here... FWIW, Berkshire Hathaway recently invested $377 million in a REIT (Store Capital)... https://www.cnbc.com/2017/06/26/warren-buffetts-berkshire-hathaway-takes-stake-in-reit-store-capital.html I presume they see some long term value there...

sleepysurf

FWIW, Berkshire Hathaway recently invested $377 million in a REIT (Store Capital)... https://www.cnbc.com/2017/06/26/warren- ... pital.html

I presume they see some long term value there!

sleepysurf

Incredible adventure and photos! You're an inspiration!

My wife and I are planning a Backroads biking vacation in Banff/Canadian Rockies next year!

sleepysurf

I'm reading this thread, and posting, from my Asus Chromebook, with full keyboard and touchscreen, plus ability to rotate screen 360 degrees so it also works as a tablet. Highly recommended for email, web surfing, and watching online videos. Can also download and run some apps/games from the Google ...

sleepysurf

Many great podcast suggestions here. I'm a big fan of Paul Merriman and Dough Roller (and they've started teaming up on some podcasts)! Some additional tips... Download the podcasts via wi-fi in advance, to avoid cell data charges while driving. Also, you can squeeze in more podcasts by listening at...

sleepysurf

I pre-ordered one of the Spinn centrifugal grinder/coffee-maker, which got lots of internet hype, but still hasn't shipped... https://www.spinn.com/ Looks good in theory, but they recently announced they're ~6 mo behind in development, with manufacturing still on hold. Time will tell if it was just ...

sleepysurf

How about offering a 50% match for his initial investment *IF* he goes with the S&P 500 or Total Stock Index ETF, but offer a 100% match if he also reads William Bernstein's If You Can?

sleepysurf

The author, Bill Harris, WAS the CEO of Personal Capital, but he just stepped down. He also formerly headed Intuit and PayPal, so should be a useful read!

sleepysurf

Went from 60/40 to 50/50 over the past year, but just following my updated IPS, anticipating retirement next year, and wanting a better "sleep well at night" allocation.

sleepysurf

Here's his annual ranking chart for 2016 asset classes, along with 10 yr ranking. Unlike some others, this one includes REITS.

http://awealthofcommonsense.com/2017/03 ... -for-2016/

sleepysurf

We had this exact situation a couple years ago. Turns out our son (who lives in D.C.) had gotten a free WSJ subscription offer and submitted our address, thinking we'd get more use out of it than he would! We thanked him, but told him to cancel the free trial before he'd start getting billed.

sleepysurf

Audiophiles help me. Record player vs iTunes vs Streaming? Sonos speakers vs others? I've heard record players have the best sound quality but are a hassle. Streaming services are higher quality now. You need to clarify your goal... -Single room vs. multiple room audio -True "audiophile" ...

sleepysurf

It's been a known issue since 12/5. You can keep checking this link for an update if/when fixed... m This is the longest time (in the past 2 years I've been using it) that it's had issues with Vanguard. Pretty frustrating, as I use their overall asset allocation chart to help with rebalancing. Might...

sleepysurf

Paul Merriman has a table on his website with that information (since 1970), however, it's based on his "sliced and diced" Ultimate Buy & Hold Portfolio... http://paulmerriman.com/fine-tuning-ass ... bles-2016/

Still very useful!

sleepysurf

If, by chance, you are getting new appliances all the way around, another option is to get something like a GE Advantium (microwave, convection oven combo). We have a GE Monogram gas range (with large single oven), and use the Advantium as a secondary oven (occasional use).

sleepysurf

FYI, pulled the trigger today, and sold all negative lots except for 10/31 reinvested dividends. Curious why you didn't sell this? It was a negative lot too, and would seem to me to be a wash sale. Actually, I was just curious to see what would happen, as that 10/31 dividend was a small amount. Her...

sleepysurf

FYI, pulled the trigger today, and sold all negative lots except for 10/31 reinvested dividends. Prior to that, spoke with my Vanguard Flagship Rep who was very helpful. She confirmed no major issue even if I had included that last distribution, as Vanguard would have flagged it, and recalculated ne...

sleepysurf

... All lots are negative, so im selling all and dont care about turning off dividend reinvestment. That's fine if you are selling all shares, as there won't be any subsequent dividends to trigger the "wash rule." However, for those of us TLH'ing only some shares, reinvesting dividends fr...

sleepysurf

I, too, am about to TLH from Int Term Tax-Exempt (VWIUX). However, I'd like some clarification before pulling the trigger. I've been automatically reinvesting dividends, but turned that off today. The most recent dividends were paid 10/31. I presume I'm OK if I sell ONLY Specific ID lots acquired pr...

sleepysurf

cutehumor wrote:... sell if your (sic) in retirement.

Why sell if you're in retirement? Anybody holding them knows that REITS are volatile, but their lesser correlation with equities is why we hold them in a buy and hold (and rebalance) strategy. Even in retirement, one should plan for a 30+ year time frame.

sleepysurf

I've been using a WaterRower for about 5 yrs, and love it. As mentioned, it's "furniture quality" and very quiet (I can watch TV while rowing). Only issue, as mentioned above, is that the tank seam just gave out. WaterRower sent me the "new and improved" adhesive. Will probably t...

sleepysurf

A good two channel stereo setup.
A properly fitted bicycle.

sleepysurf

He succinctly distills the Boglehead philosophy down to a 2 fund portfolio! Superbly done! Thanks for sharing!

sleepysurf

We love our Kohler (Indio) sink. However, stay away from the newfangled faucets with electronic "touch on-off." We bought a Brizo faucet with that feature, and it's been a nightmare. After failing three times in 3 years, we gave up, and had a plumber bypass the electronic on-off.

sleepysurf

Likewise nice meeting you all. Hopefully more Tampa Bay "lurkers" will get actively involved with our local chapter!

sleepysurf

If you'd like kayaking, canoeing, or paddle boarding, check out the Paddle Center at Shingle Creek. It's a real hidden gem!

sleepysurf

I agree that if you just plan leisure riding, buying used is the best value. However, I don't believe anybody mentioned the importance of checking the frame integrity. Higher-end bikes with carbon fiber composite fork (+/- frame) can be damaged from previous falls, and potentially dangerous if not p...

sleepysurf

Thanks for the heads up! However, is the Home & Business version backward compatible to Deluxe or Premier?

If not, could it be that the new (private equity) owners want to "lock us" into the more expensive version for all future upgrades?

sleepysurf

Age 61. Overall 55% Equity 45% Bonds/CD's. Bond funds in taxable- 1/3 Vanguard Short Term and 2/3 Intermediate Term Tax Exempt. Bond funds in tax deferred- currently only Vanguard Total Bond Market, but might convert 1/3 to Intermediate Term Corporate, to tilt away from Total Bond's Treasury-centric...

sleepysurf

...I hope he'll someday do a column or podcast comparing the long-term performance (net fees) of those contrasting approaches. Hah! I somehow missed this article last year where he specifically compared his "buy and hold" performance vs. "mechanical market timing" vs. a hybrid p...

sleepysurf

I'm a big fan of "slicing and dicing" and my taxable portfolio is modeled after those espoused by Paul Merriman and Bill Schultheis (my tax deferred is a variant of 3 fund portfolio). Paul is sometimes a bit too evangelical in his MarketWatch columns and blog posts (podcasts too), but he's...

sleepysurf

LadyGeek wrote:Dare I spot a tube preamp sitting in the right corner?

OMG! There are, like, 10 female audiophiles on the planet, and LadyGeek appears to be one of them!

sleepysurf

If you have the "audiophile" bug (playing LP's or CD's/lossless FLAC), I would devote at least 40-50% of your budget for the speakers, with the majority for the front pair (and matched center for preserved tonality). Ditto for buying used on Audiogon (maybe even Craigslist). Another import...

sleepysurf

Another great analysis by Michael Kitces, this time explaining why rebalancing is more of a Risk Management tool, vs something to enhance total portfolio returns... m He states that enhanced returns (if any) are more likely to occur when rebalancing between equity sub-classes, so perhaps more of a b...

sleepysurf

I love my Casio Waveceptor Solar watch. Battery stays charged with solar power (even with fluorescent lights) and it synchronizes nightly with the atomic clock (must be facing a window). Various styles to choose from. Mine is 5 years old and still looks brand new.

sleepysurf

High end audio for me too (Conrad Johnson pre and amp, ML Summit electrostatic speakers)! However, in true Boglehead fashion, purchased used from Audiogon. Cost... less than 60% of retail. Value for enjoyment and stress reducing... PRICELESS!

sleepysurf

Why didn't you use the money for room and board and other expenses not covered by a full tuition scholarship? Also, why didn't you withdraw given the scholarship loophole for the penalty? Rather let it compound and use it for grad school? We did withdraw room and board $$ from the 529 plan, but it ...

sleepysurf

During the Bogleheads 2015 visit to Vanguard headquarters, I asked the guys at the "Digital" station about the Yodlee integration rumor. They confirmed that it's a work in progress, but probably not rolling out until the end of 2015, or early 2016.

sleepysurf

I live in FL and "lump summed" $$ into the (Vanguard administered) Nevada 529 plan for my (then) 14 year old daughter. Fortunately, that was 2009, so I never regretted it, despite having fewer years for accumulation. I had previously purchased the FL Prepaid Tuition Plan, and she also ende...

sleepysurf

Warren Buffet's father was a congressman back when insider trading wasn't regulated. Warren Buffet obtained a million dollar inheritance from his Father and many benefits... According to Warren Buffett's Wikipedia entry, he basically started his investing career with $9,800 of his own savings (no m...

sleepysurf

Kudos to everybody who organized and coordinated this event. My wife and I were first-time attendees, and the whole meeting far exceeded our expectations. Jack, and the various speakers/panelists were superb, and we thank them all for sharing their wisdom. Despite being relatively new Bogleheads, we...

sleepysurf

Has anybody else (besides the OP) received an email (or verbal confirmation), that Vanguard is, indeed, integrating Yodlee into Portfolio Watch? I was hoping to receive a similar email by now, but nothing yet.

sleepysurf

Somebody, in another thread, mentioned they had received an email notice that Vanguard will be integrating Yodlee (the same back end financial aggregator as Personal Capital) into Portfolio Watch. If so, that will provide full portfolio analysis capability. However, thus far, I've not received any e...

sleepysurf

That's GREAT news! Vanguard has really been lagging the competition in that functionality. In fact, I recently started using the free Personal Capital app to have a more fully integrated picture of my asset allocation across multiple accounts. Personal Capital uses Yodlee as the back end, and it's f...

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