Search found 213 matches

by sleepysurf
Wed Feb 20, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: How to fix/repair/restore/copy "faded" Compact Discs ?
Replies: 9
Views: 805

Re: How to fix/repair/restore/copy "faded" Compact Discs ?

... Checking the internet there are a number of open source as well as commercial recovery programs available. Have any bogleheads had any success using any of these programs? Which ones? You might try dBPowerAmp CD Ripper (rip to digital FLAC file)... https://www.dbpoweramp.com/cd-ripper.htm It wi...
by sleepysurf
Tue Feb 19, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: Best PAID music streaming service?
Replies: 69
Views: 3866

Re: Best PAID music streaming service?

The problem with paid music subscriptions is you're essentially "renting" your music. If/when you cancel the service, your playlists and music are gone. Although I subscribe to Tidal, and plan to try Qobuz shortly, I prefer to buy CD's (typically used) and rip them to FLAC, or purchase FLAC download...
by sleepysurf
Tue Feb 19, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Best PAID music streaming service?
Replies: 69
Views: 3866

Re: Best PAID music streaming service?

... Even a basic pair of bookshelf speakers will give much better sound than a sound bar. In your situation I'd consider the KEF LS50 "Wireless." (I put wireless in quotes as they still require wires. "Active" would be more accurate.) They've been very well-reviewed and give you a great-sounding, c...
by sleepysurf
Tue Feb 19, 2019 9:44 am
Forum: Investing - Theory, News & General
Topic: Joe Davis (Vanguard Chief Economist) on Masters in Business podcast
Replies: 0
Views: 165

Joe Davis (Vanguard Chief Economist) on Masters in Business podcast

Great interview by Barry Ritholtz... https://ritholtz.com/2019/02/mib-joe-davis/

I found Joe Davis' "Ideas Multiplier" concept intriguing, and liked his explanation of WHY Vanguard even has a Chief Economist!
by sleepysurf
Tue Feb 19, 2019 8:07 am
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 130
Views: 7957

Re: How many bogleheads do you know in real life?

jharkin wrote:
Tue Feb 19, 2019 8:01 am
In my entire life I have known exactly two:...
Pretty much my experience as well. IMHO, BH's, as a demographic, represent the "alternative" 1%. :D
by sleepysurf
Sun Feb 17, 2019 9:11 am
Forum: US Chapters
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 87
Views: 19520

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 ...
by sleepysurf
Thu Feb 14, 2019 8:30 am
Forum: US Chapters
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 87
Views: 19520

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...
by sleepysurf
Thu Jan 31, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: Use of DAC
Replies: 11
Views: 815

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! :D
by sleepysurf
Wed Jan 30, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 130
Views: 10731

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/)
by sleepysurf
Mon Jan 28, 2019 4:38 pm
Forum: Investing - Theory, News & General
Topic: Expected Growth Next Decade?
Replies: 48
Views: 3699

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...
by sleepysurf
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: 8049

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...
by sleepysurf
Sun Jan 27, 2019 12:57 pm
Forum: Personal Investments
Topic: Tracking Investments
Replies: 9
Views: 385

Re: Tracking Investments

JJP88 wrote:
Sun Jan 27, 2019 12:33 pm
... I was signed up for a month, but I was getting 2 calls a week and ended up deleting the app...
If you firmly tell them you're a DIY investor and not interested in their Advisory service, they'll stop calling.
by sleepysurf
Thu Jan 24, 2019 6:27 am
Forum: Personal Consumer Issues
Topic: Anyone use Teamviewer (remote access) software?
Replies: 20
Views: 928

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...
by sleepysurf
Wed Jan 23, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 291
Views: 25024

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)
by sleepysurf
Tue Jan 22, 2019 8:25 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast growing audience
Replies: 24
Views: 2673

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.
by sleepysurf
Mon Jan 21, 2019 8:59 am
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 153
Views: 14943

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). :...
by sleepysurf
Wed Jan 16, 2019 6:54 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 49418

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.
by sleepysurf
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), ...
by sleepysurf
Mon Jan 14, 2019 8:41 am
Forum: US Chapters
Topic: St Louis Bogleheads
Replies: 117
Views: 17107

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...
by sleepysurf
Sat Jan 12, 2019 2:07 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9732

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...
by sleepysurf
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: 1239

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!
by sleepysurf
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: 4702

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.
by sleepysurf
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: 4702

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....
by sleepysurf
Fri Jan 11, 2019 7:55 am
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9732

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...
by sleepysurf
Thu Jan 10, 2019 5:37 pm
Forum: US Chapters
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 87
Views: 19520

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...
by sleepysurf
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: 2351

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...
by sleepysurf
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: 2547

Re: Cramer touting CD's, MM Funds, and S&P 500 Index on Today Show!

ReformedSpender wrote:
Tue Jan 01, 2019 9:35 am
His opinion/advice changes like the wind. Nothing actionable
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.
by sleepysurf
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: 2547

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...
by sleepysurf
Tue Jan 01, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: Bookshelf speakers under $300
Replies: 81
Views: 3456

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 ...
by sleepysurf
Wed Dec 26, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Bookshelf speakers under $300
Replies: 81
Views: 3456

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.
by sleepysurf
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: 665

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...
by sleepysurf
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: 665

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?
by sleepysurf
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: 665

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 ...
by sleepysurf
Tue Dec 18, 2018 9:25 am
Forum: Personal Investments
Topic: Cost basis tracking
Replies: 31
Views: 2358

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!
by sleepysurf
Tue Dec 18, 2018 8:49 am
Forum: Personal Investments
Topic: Cost basis tracking
Replies: 31
Views: 2358

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...
by sleepysurf
Mon Dec 03, 2018 4:04 pm
Forum: Personal Investments
Topic: $96/year Planning
Replies: 10
Views: 2323

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...
by sleepysurf
Mon Dec 03, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Pixel 3 early adopters: any feedback?
Replies: 42
Views: 3418

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...
by sleepysurf
Wed Nov 28, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 44
Views: 2831

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...
by sleepysurf
Sat Nov 17, 2018 6:23 pm
Forum: US Chapters
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 87
Views: 19520

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...
by sleepysurf
Thu Nov 15, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 58
Views: 7542

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: 3224

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: US Chapters
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 87
Views: 19520

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: 3218

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: Personal Investments
Topic: Paul Merriman's 2-fund portfolio: Suggestions for small-cap funds
Replies: 15
Views: 2400

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: US Chapters
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 87
Views: 19520

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: Personal Investments
Topic: Vanguard cost basis information suddenly "not available online"
Replies: 12
Views: 1804

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: US Chapters
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 87
Views: 19520

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: Personal Investments
Topic: Vanguard cost basis information suddenly "not available online"
Replies: 12
Views: 1804

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).