Search found 172 matches

by sleepysurf
Thu Nov 15, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 58
Views: 7150

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...
by sleepysurf
Sun Nov 11, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use a Wealth Manager?
Replies: 26
Views: 3080

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...
by sleepysurf
Sat Nov 10, 2018 1:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 82
Views: 16787

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...
by sleepysurf
Sun Nov 04, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: The "Armchair Millionaire"- the "original" 3 fund portfolio?
Replies: 9
Views: 3103

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...
by sleepysurf
Wed Oct 31, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Paul Merriman's 2-fund portfolio: Suggestions for small-cap funds
Replies: 15
Views: 2132

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...
by sleepysurf
Wed Oct 24, 2018 6:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 82
Views: 16787

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...
by sleepysurf
Wed Oct 24, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard cost basis information suddenly "not available online"
Replies: 12
Views: 1764

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 ...
by sleepysurf
Tue Oct 23, 2018 7:55 am
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 82
Views: 16787

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...
by sleepysurf
Mon Oct 22, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard cost basis information suddenly "not available online"
Replies: 12
Views: 1764

Re: Vanguard cost basis information suddenly "not available online"

PinotGris wrote:
Mon Oct 22, 2018 5:19 pm
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).
by sleepysurf
Sun Oct 14, 2018 1:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 82
Views: 16787

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.
by sleepysurf
Sat Oct 13, 2018 2:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 82
Views: 16787

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...
by sleepysurf
Fri Oct 12, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship complimentary CFP services
Replies: 13
Views: 1483

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 ...
by sleepysurf
Tue Oct 09, 2018 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio Watch advice
Replies: 14
Views: 1136

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...
by sleepysurf
Tue Oct 09, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 3460

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 ...
by sleepysurf
Tue Oct 09, 2018 12:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 82
Views: 16787

Re: Tampa Bay Local Bogleheads Chapter

Suggestion (pretty obvious, so forgive me if you have already done so): List your group with meetup.com if you want to attract interested people. That goes for Tampa, SW FL and all others. Actually, I run a Meetup group for our local Audiophile club. However, Bogleheads are a niche group, and I thi...
by sleepysurf
Tue Oct 09, 2018 10:18 am
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 82
Views: 16787

Re: Tampa Bay Local Bogleheads Chapter

Just got back from my attending my second Bogleheads conference, and had a wonderful time. There were some Tampa Bay area members on the attendee list, but, as luck would have it, the only one I ran into just relocated! Regardless, I'm assuming we'd have enough local interest to reactivate the Tampa...
by sleepysurf
Sat Sep 29, 2018 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital's New Retirement Paycheck
Replies: 4
Views: 1550

Re: Personal Capital's New Retirement Paycheck

Personal Capital recently introduced their Retirement Paycheck calculator... FYI, that new calculator is not one of their free tools... Retirement Paycheck is available exclusively to our advisory clients. I'll continue using their free online tools, but not interested in paying them to manage my p...
by sleepysurf
Wed Sep 26, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Know Any Good Forums for Android Smartphone Users?
Replies: 7
Views: 861

Re: Know Any Good Forums for Android Smartphone Users?

I like https://forums.androidcentral.com

They have general discussions, and sub-forums for specific phone manufacturers and models.
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: 655

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: 66
Views: 7832

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: 5414

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: 501

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: 759

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: 1742

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: 12119

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: 639

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: 3541

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: 2815

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: 3538

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: 15255

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: 20114

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: 20114

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: 39
Views: 3460

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: 15255

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: 470

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: 3228

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: 2725

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: 366
Views: 19888

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: 3705

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: 82
Views: 16787

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: 5326

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: 1106

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: 6670

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: 2095

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: 1458

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: 2125

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: 1679

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: 1679

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: 1679

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!