Search found 134 matches

by sleepysurf
Thu Jul 12, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10282

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: 3199

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: 13372

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: 40
Views: 3870

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: 957

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: 6273

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: 1839

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: 1330

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: 1636

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: 1519

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: 1519

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: 1519

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: 1519

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: 1519

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: 1519

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: 1519

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: 7724

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: 7724

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: 7724

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: 7724

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: 2336

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: 30
Views: 3732

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: 3164

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: 6678

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: 2064

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: 2064

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: 2064

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: 49
Views: 10718

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: 804

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: 3011

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...
by sleepysurf
Sat Mar 03, 2018 7:23 pm
Forum: Investing - Theory, News & General
Topic: "Making a Difference" by Jonathan Clements
Replies: 29
Views: 3543

Re: "Making a Difference" by Jonathan Clements

Shallowpockets wrote:
Sat Mar 03, 2018 1:20 pm
... Funny that his web page has links to download a guide on "Options Trading for Newbies".
I find this to be hypocritical.
That's just a Google Ad, which I doubt he has specific control over. Nothing wrong with monetizing his site.
by sleepysurf
Thu Mar 01, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 8221

Re: Kitchen features

-GE Advantium combination microwave and convection oven (pulls double-duty as 2nd conventional oven when needed). -Stacked lower cabinet drawers (instead of doors and internal shelves). -Storage, storage, and more storage. Would avoid getting a "touch on/touch off" faucet. Ours (Brizo) kept malfunct...
by sleepysurf
Fri Feb 23, 2018 7:16 am
Forum: Personal Finance (Not Investing)
Topic: How to pay partners for working your call
Replies: 59
Views: 4091

Re: How to pay partners for working your call

...To this point, we have been running these schedules through the practice, but our ability to do that may end soon. We are employed by a national company (since 2009) and have very little choice in the matter... Have you spoken to your local or national management team about this? The Anesthesia ...
by sleepysurf
Mon Feb 19, 2018 7:16 pm
Forum: Investing - Theory, News & General
Topic: What is the evidence against slice and dice?
Replies: 59
Views: 5332

Re: What is the evidence against slice and dice?

Paul Merriman's annual review of his "Ultimate Buy and Hold" 10 fund portfolio lays out a strong argument in favor of "Slicing and Dicing" the equity portion of a portfolio. He discusses it in his current podcast... https://paulmerriman.com/podcasts/ and in writing here... https://www.marketwatch.co...
by sleepysurf
Fri Feb 16, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: What is the evidence against slice and dice?
Replies: 59
Views: 5332

Re: What is the evidence against slice and dice?

willthrill81 wrote:
Fri Feb 16, 2018 10:42 am
... Two versus one?
Paul would still win. :wink:
You're right! Perhaps Nisiprius would be a more impartial moderator!
by sleepysurf
Fri Feb 16, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: Article on Bogleheads in Philly.com--The Bogleheads celebrate 20 years of low-cost index funds with patron 'Saint Jack'
Replies: 17
Views: 1265

Re: Article on Bogleheads in Philly.com--The Bogleheads celebrate 20 years of low-cost index funds with patron 'Saint Ja

Great article! I, too, was intrigued by the referenced comment about Vanguard possibly lowering their advisory fees. Of note, the latest White Coat Investor podcast had a new (to me, anyways) sponsor... FirstMetric, who apparently charges 0.25% AUM fee (up to 5 Mil), then nothing additional after th...
by sleepysurf
Fri Feb 16, 2018 7:00 am
Forum: Investing - Theory, News & General
Topic: What is the evidence against slice and dice?
Replies: 59
Views: 5332

Re: What is the evidence against slice and dice?

I'd love to see a debate on this subject between Taylor Larimore and Paul Merriman, moderated by Jack Bogle. :D
by sleepysurf
Sun Feb 11, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Are REITs essentially taboo for years now with rising rates?
Replies: 55
Views: 6125

Re: Are REITs essentially taboo for years now with rising rates?

I have a 5% allocation to the Vanguard REIT (VGSLX), and will continue rebalancing, as indicated, per my IPS. I expect it to continue working well as a long term portfolio diversifier. No market timing for me, despite the rising interest rate environment.
by sleepysurf
Mon Feb 05, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 68
Views: 6826

Re: What backup service to use?

jebmke wrote:
Sun Feb 04, 2018 4:38 pm
sleepysurf wrote:
Sun Feb 04, 2018 4:33 pm
I have it set to throttle back to 25% processor resources
That is probably an internet bandwidth throttle, not a processor throttle.
Yes. You're correct. Throttles bandwidth, not processor!
by sleepysurf
Sun Feb 04, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 68
Views: 6826

Re: What backup service to use?

I went with iDrive, as they offered a 90% discount for former CrashPlan users. So far, I'm happy with it. It supports NAS drives, and has lots of control options. I have it set to throttle back to 25% processor resources when I'm using the computer, so the initial backup has been slow, but acceptabl...
by sleepysurf
Sun Feb 04, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 11723

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Hah! I just spent 2+ hrs yesterday trying to transfer Quicken 2016 to a new computer, with no luck (wouldn't accept my old Intuit ID nor my newer Quicken ID). Lo and behold, this download installed flawlessly! I agree their intent is probably to expand their subscription user base. It's certainly a ...
by sleepysurf
Wed Jan 31, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Tax help - DAF contribution
Replies: 31
Views: 2447

Re: Tax help - DAF contribution

... there is nothing under the "gifted shares" tab except the following note: "You don't have any gifts of shares from your account at this time. Making a gift of shares is simple and can play an important role in your tax planning... I was having the same issue, with "Gifted" shares to a new Vangu...
by sleepysurf
Wed Jan 31, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Should I Do My Own Taxes Or Pay A CPA $500?
Replies: 65
Views: 6573

Re: Should I Do My Own Taxes Or Pay A CPA $500?

seamonkey wrote:
Wed Jan 31, 2018 1:20 pm
IRS Free Fillable Forms...
Hah! Never even knew the IRS offered that! FYI, here's the link... https://www.irs.gov/e-file-providers/be ... able-forms

However, there are some limitations, so check the Read Before Starting links.
by sleepysurf
Tue Jan 16, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: The "Armchair Millionaire"- the "original" 3 fund portfolio?
Replies: 3
Views: 1415

The "Armchair Millionaire"- the "original" 3 fund portfolio?

Anybody remember The Armchair Millionaire book? It was published ~2001, with a somewhat Boglehead perspective, and had an associated website. The authors advocated an aggressive 100% Equity 3-fund portfolio... 1/3 U.S. Large Cap, 1/3 U.S. Small Cap, and 1/3 International (EAFE Index at that time). T...
by sleepysurf
Tue Jan 09, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Liability Issues with Organizing Meetup Events
Replies: 12
Views: 1759

Re: Liability Issues with Organizing Meetup Events

I'm a Meetup Organizer for a local group, and also wondered how to address this. I looked at some other Meetup groups that had Liability Waivers on their site, and we ended up customizing our own, which is included on our main "About" page. Fortunately, we don't participate in higher risk activities...
by sleepysurf
Fri Dec 01, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 10797

Re: Any retired boglehead doctors out there?

I can answer in a few months. I’m 61 yo, retiring in one month. Just finished my last night of call!! I’m not planning any kind of medical work after retirement. Ditto here! Retiring end of year at 63, but still have six 24 hr calls to go! Unfortunately, my group never implemented a "slowdown track...
by sleepysurf
Tue Oct 31, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Using PersonalCapital, Mint, etc.... - and fraud concerns
Replies: 36
Views: 5812

Re: Using PersonalCapital, Mint, etc.... - and fraud concerns

I posted this link re Personal Capital security measures in a previous thread... https://www.personalcapital.com/financial-software/security Personally, I feel MORE secure using Personal Capital/Yodlee for account aggregation, as I've enabled 2 factor authentication, and opted in for their daily ema...
by sleepysurf
Tue Oct 31, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Get Lexus service at Toyota and save?
Replies: 29
Views: 2249

Re: Get Lexus service at Toyota and save?

I've always taken my 2010 Lexus hybrid to local Toyota dealer for service. Typically <50% of the price for comparable Lexus service, and haven't had any issues. They even send me discount coupons specifically for my Lexus. They stamp my paper service record, and I manually enter the service dates in...
by sleepysurf
Mon Oct 23, 2017 8:37 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 32662

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Did Rick Ferri attend?
by sleepysurf
Wed Oct 18, 2017 8:04 am
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 19367

Re: How does everyone keep track of your portfolio?

... 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...