Search found 286 matches

by ThereAreNoGurus
Sat Sep 14, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Laptop for aging parents
Replies: 35
Views: 1795

Re: Laptop for aging parents

Was thinking something similar to this Lenovo model. Any thoughts? https://www.bhphotovideo.com/c/product/1445376-REG/lenovo_81de01krus_core_i3_8130u_4gb_1tb.html Thank you! /r Hi, my advice from practical experience is NOT to consider Lenovo. I bought a brand new Lenovo Yoga and after some time it...
by ThereAreNoGurus
Sat Sep 14, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 28
Views: 1376

Re: Do you trust Microsoft updating your Windows 7 machine?

whodidntante wrote:
Sat Sep 14, 2019 11:05 am
Windows 7 is 10 years old. Windows 10 was offered as a free upgrade and I took it on my desktop and laptop. It works well. It's no longer free to upgrade. IMO you should have done so for free.
Not all PC's were compatible with Windows 10.
by ThereAreNoGurus
Sat Sep 14, 2019 11:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Services -- Another One Bites the Dust
Replies: 50
Views: 7535

Re: Vanguard Flagship Services -- Another One Bites the Dust

Whakamole wrote:
Sat Sep 14, 2019 9:43 am

Come on, it's not that bad.
Haha... good one! I thought I had logged in to Personal Capital or PC had acquired Vanguard. :wink:
by ThereAreNoGurus
Fri Sep 13, 2019 12:38 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 16262

Re: White collars- How much is your work downtime?

Wow... what a thread. I did not do a search to see whether it was a unique topic, but guessing it is. Did not expect many of the responses as opposed to what often transpires in the frequent : "Looking for high-yield stocks," "Is buy and hold dead?," "100% equities?," "100+% equities?," "Time to sel...
by ThereAreNoGurus
Thu Sep 12, 2019 12:36 am
Forum: Investing - Theory, News & General
Topic: Day Trading for a Living?
Replies: 44
Views: 3704

Re: Day Trading for a Living?

There was/is a poster on this board (username gsmith, if I correctly recall) who traded for a living and published a book in 2000 titled, "How I Trade for a Living." From the book jacket: "Gary Smith was bitten by the trading bug at the age of fourteen, and ever since he's thought of little else ot...
by ThereAreNoGurus
Wed Sep 11, 2019 9:38 pm
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 114
Views: 8554

Re: Too Late To Get Back Into Stocks?

Retiredat57, If you want to hold equities and do well with them, sear the following into your memory: What you think is a good event or a bad event for the markets has very little to do with whether something actually is good or bad for the markets. I doubt you fully understood the tariff issue with...
by ThereAreNoGurus
Wed Sep 11, 2019 9:02 pm
Forum: Investing - Theory, News & General
Topic: Day Trading for a Living?
Replies: 44
Views: 3704

Re: Day Trading for a Living?

There was/is a poster on this board (username gsmith, if I correctly recall) who traded for a living and published a book in 2000 titled, "How I Trade for a Living." From the book jacket: "Gary Smith was bitten by the trading bug at the age of fourteen, and ever since he's thought of little else oth...
by ThereAreNoGurus
Tue Sep 10, 2019 8:00 pm
Forum: US Chapters
Topic: Long-time member Nords profiled in Forbes
Replies: 4
Views: 1449

Re: Long-time member Nords profiled in Forbes

Thanks for posting. I like reading personal success stories.
by ThereAreNoGurus
Tue Sep 10, 2019 6:58 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 203
Views: 19773

Re: New Vanguard Security Code Requirement [2FA: Two-factor authentication]

These things just reinforce the notion that maybe Vanguard's security options are a bit behind the competition's. It can be costly for the provider to support people losing their 2FA method and needing a way to get back in, especially in such a highly regulated industry. If Vanguard was innovative,...
by ThereAreNoGurus
Tue Sep 10, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 252
Views: 25488

Re: Small Cap Value heads Rejoice !!!

There are 2 reasons I only examined the large-cap forecast. It was the first one listed, and more importantly the bulk of my investments are in the S&P 500. You claim some forecast is better than none. In my case, I disagree. I read them mainly for entertainment purposes. I am, for the most part, a...
by ThereAreNoGurus
Tue Sep 10, 2019 9:28 am
Forum: Investing - Theory, News & General
Topic: Rich people are hoarding cash
Replies: 101
Views: 14972

Re: Rich people are hoarding cash

Spock said 7 digits of investable assets. You list those with a net worth of 7 digits. There is a HUGE difference. Many of those with a NW in the 7 digits are primarily driven by home equity. Yes. Good point to make that differentiation. Especially in HCOL and UHCOL areas. j :happy The post was edi...
by ThereAreNoGurus
Tue Sep 10, 2019 9:22 am
Forum: Investing - Theory, News & General
Topic: Rich people are hoarding cash
Replies: 101
Views: 14972

Re: Rich people are hoarding cash

Don’t let the Boglehead crowd skew your reality.... very few people will ever see 7 digits of investable assets. I'm not so sure about that. According to this link: https://dqydj.com/net-worth-by-age-calculator-united-states/ For those between the ages of 50-54 (excluding home equity) one million d...
by ThereAreNoGurus
Tue Sep 10, 2019 9:01 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 252
Views: 25488

Re: Small Cap Value heads Rejoice !!!

Anyone with an elementary understanding of statistics realizes outliers always exist, so I won't poo-poo a forecast like you and Taylor do just because it's not completely right every time. Some forecast is better than none, even Saint Jack made forecasts for stock and bond market returns. And let'...
by ThereAreNoGurus
Mon Sep 09, 2019 11:40 pm
Forum: Investing - Theory, News & General
Topic: Rich people are hoarding cash
Replies: 101
Views: 14972

Re: Rich people are hoarding cash

Dottie57 wrote:
Mon Sep 09, 2019 11:34 pm
It is interesting to see the huge difference between mean and median.
So true. I think median figures combined with percentile groupings gives a much better view of where people stand.
by ThereAreNoGurus
Mon Sep 09, 2019 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone done a "Life Settlement"
Replies: 20
Views: 3219

Re: Anyone done a "Life Settlement"

If you’re in sufficiently below average health that someone will pay you more than the cash surrender value to buy your policy you should probably keep it if you can. The buyer needs a higher expected return to compensate for the uncertainty and there are some intermediaries who have to get paid. T...
by ThereAreNoGurus
Mon Sep 09, 2019 11:14 pm
Forum: Investing - Theory, News & General
Topic: Rich people are hoarding cash
Replies: 101
Views: 14972

Re: Rich people are hoarding cash

visualguy wrote:
Mon Sep 09, 2019 11:12 pm
It really depends on where in the country you live.
Of course, that should be obvious. This is true for many things reported in the aggregate. In many cases it would be surprising to see an even distribution.
by ThereAreNoGurus
Mon Sep 09, 2019 10:57 pm
Forum: Investing - Theory, News & General
Topic: Rich people are hoarding cash
Replies: 101
Views: 14972

Re: Rich people are hoarding cash

Don’t let the Boglehead crowd skew your reality.... very few people will ever see 7 digits of investable assets. I'm not so sure about that. According to this link: https://dqydj.com/net-worth-by-age-calculator-united-states/ For those between the ages of 50-54 (excluding home equity) one million d...
by ThereAreNoGurus
Mon Sep 09, 2019 10:44 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 203
Views: 19773

Re: New Vanguard Security Code Requirement [2FA: Two-factor authentication]

I've been using a Yubikey and love it. I wish there was a way to eliminate any other backup method so I would be forced to call if I lose my Yubikey. The inconvenience to me is well worth the security. I do not want to sign in one day to see my retirement account zero'd out. I understand the frustr...
by ThereAreNoGurus
Mon Sep 09, 2019 10:32 pm
Forum: Investing - Theory, News & General
Topic: Rich people are hoarding cash
Replies: 101
Views: 14972

Re: Rich people are hoarding cash

Don’t let the Boglehead crowd skew your reality.... very few people will ever see 7 digits of investable assets. I'm not so sure about that. According to this link: https://dqydj.com/net-worth-by-age-calculator-united-states/ Home equity is excluded in all percentiles listed below (edited for clari...
by ThereAreNoGurus
Mon Sep 09, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: Log in Trouble @ Vanguard.com
Replies: 8
Views: 715

Re: Log in Trouble @ Vanguard.com

I know it does not help very much for now, but you might want to switch to another brokerage firm once this current issue is sorted. Schwab and Fidelity both use app based 2FA, not SMS based, which is more secure and portable around the world because it is not tied to a phone number. For instance m...
by ThereAreNoGurus
Mon Sep 09, 2019 3:27 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 252
Views: 25488

Re: Small Cap Value heads Rejoice !!!

Heck, even GMO, which seems to have a reputation for being bearing on US stocks, is downright bullish (by GMO standards) on US SCV, they expect it to return more than everything but international value and EM (see page 9): https://www.gmo.com/globalassets/articles/quarterly-letter/2019/gmo-quarterl...
by ThereAreNoGurus
Sun Sep 08, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard/Yodlee for Aggregation
Replies: 52
Views: 2576

Re: Vanguard/Yodlee for Aggregation

Though not true in my organization's case, I understand that reasoning. However, from a security perspective, that means that they have to do some less-that-ideal things like asking the user for their 2FA code, and then storing the resulting cookie value along with the username/password. Under this...
by ThereAreNoGurus
Sun Sep 08, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard/Yodlee for Aggregation
Replies: 52
Views: 2576

Re: Vanguard/Yodlee for Aggregation

Though not true in my organization's case, I understand that reasoning. However, from a security perspective, that means that they have to do some less-that-ideal things like asking the user for their 2FA code, and then storing the resulting cookie value along with the username/password. Under this...
by ThereAreNoGurus
Sat Sep 07, 2019 11:19 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 859
Views: 45627

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Hydromod wrote:
Sat Sep 07, 2019 11:16 pm
What would you call it when you add market timing (swapping assets, changing risk budgets)? Mad scientist?
Alchemy? :D
by ThereAreNoGurus
Sat Sep 07, 2019 10:50 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 859
Views: 45627

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Would you implement this strategy with 100% of the capital? Would you trust your retirement savings using this strategy? Thanks Privatefarmer took it a step further and is holding it with additional leverage (1.5x I believe). I personally find it insane, but impressive grit. LOL I'd like to see Pri...
by ThereAreNoGurus
Sat Sep 07, 2019 10:43 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 859
Views: 45627

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Would you implement this strategy with 100% of the capital? Would you trust your retirement savings using this strategy? Thanks Privatefarmer took it a step further and is holding it with additional leverage (1.5x I believe). I personally find it insane, but impressive grit. LOL I'd like to see Pri...
by ThereAreNoGurus
Sat Sep 07, 2019 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone done a "Life Settlement"
Replies: 20
Views: 3219

Re: Anyone done a "Life Settlement"

If you’re in sufficiently below average health that someone will pay you more than the cash surrender value to buy your policy you should probably keep it if you can. The buyer needs a higher expected return to compensate for the uncertainty and there are some intermediaries who have to get paid. T...
by ThereAreNoGurus
Sat Sep 07, 2019 9:02 pm
Forum: Investing - Theory, News & General
Topic: [Leveraged ETFs vs. Bogleheads Investment Philosophy]
Replies: 113
Views: 3994

Re: Leveraged ETF messages

It “is not your role” but you will brazenly suggest censorship anyway? I mean, I wouldn’t be shocked if Bogleheads banned talk of LETFs, given that Vanguard banned them a few months ago. If the mods do decide this, it will be my last day on the site. Famous last words, but I have faith in the mods.
by ThereAreNoGurus
Sat Sep 07, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard/Yodlee for Aggregation
Replies: 52
Views: 2576

Re: Vanguard/Yodlee for Aggregation

All that said, I do use You Need A Budget which aggregates all my NON-investment accounts... I'll have to check it out and see how it compares to PC. I like PC, but I'm curious... Always good to have a Plan B, C, etc. Prior to using PC, I was using one of my bank's expense tracking apps. It wasn't ...
by ThereAreNoGurus
Sat Sep 07, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone done a "Life Settlement"
Replies: 20
Views: 3219

Re: Anyone done a "Life Settlement"

If you’re in sufficiently below average health that someone will pay you more than the cash surrender value to buy your policy you should probably keep it if you can. The buyer needs a higher expected return to compensate for the uncertainty and there are some intermediaries who have to get paid. T...
by ThereAreNoGurus
Sat Sep 07, 2019 8:24 pm
Forum: Personal Investments
Topic: Thoughts on these locations for RMDs
Replies: 8
Views: 982

Re: Thoughts on these locations for RMDs

mhalley wrote:
Fri Sep 06, 2019 10:02 pm
Taxable vs tax exempt is dependent on your current ax bracket.
Love that typo!
by ThereAreNoGurus
Sat Sep 07, 2019 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone done a "Life Settlement"
Replies: 20
Views: 3219

Re: Anyone done a "Life Settlement"

crswvc wrote:
Sun Dec 16, 2018 9:54 pm
AKA sell my life insurance for cash before I die.

https://www.aarp.org/caregiving/financi ... ments.html

Seems like a better idea then canceling it altogether.
Did you take any action?
by ThereAreNoGurus
Sat Sep 07, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard/Yodlee for Aggregation
Replies: 52
Views: 2576

Re: Vanguard/Yodlee for Aggregation

For portfolio tracking, why not use a site like morningstar.com? It's free. Once you've entered your portfolio you should not need to perform manual updates except for buy/sell transactions. Morningstar will post dividend and distribution updates without having to manually input them. I like Person...
by ThereAreNoGurus
Sat Sep 07, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard/Yodlee for Aggregation
Replies: 52
Views: 2576

Re: Vanguard/Yodlee for Aggregation

I will never "share" password on such a site. I manually entered my portfolio to a site such as Personal Capital, and I update it on a regular basis. For portfolio tracking, why not use a site like morningstar.com? It's free. Once you've entered your portfolio you should not need to perform manual ...
by ThereAreNoGurus
Fri Sep 06, 2019 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard/Yodlee for Aggregation
Replies: 52
Views: 2576

Re: Vanguard/Yodlee for Aggregation

Yes, that's an interesting observation and I'm inclined to agree with it.
by ThereAreNoGurus
Fri Sep 06, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard/Yodlee for Aggregation
Replies: 52
Views: 2576

Re: Vanguard/Yodlee for Aggregation

Why don't you try contacting PC and ask them? I once contacted them on a weekend and was very surprised to get a response and then another response to a follow-up question that same weekend. Here is their contact page (however, you will need to login): https://www.personalcapital.com/company/contac...
by ThereAreNoGurus
Fri Sep 06, 2019 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard/Yodlee for Aggregation
Replies: 52
Views: 2576

Re: Vanguard/Yodlee for Aggregation

This is not accurate. PC doesn't even keep your password. They use it to create a token and then it's gone. Just like you don't need use two factor every time you login from a PC that is recognized. And I have two factor auth on all my PC accounts with no issue. For the record I don’t believe this ...
by ThereAreNoGurus
Fri Sep 06, 2019 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard/Yodlee for Aggregation
Replies: 52
Views: 2576

Re: Vanguard/Yodlee for Aggregation

Your new risk, after surrendering your passwords to Yodlee is not P, but R I use 2FA. I don't care if Yodlee or anybody else has my password (slight hyperbole) with respect to an increased risk of an intrusion. Also, I will be immediately notified if somebody tries to login with my password. And th...
by ThereAreNoGurus
Thu Sep 05, 2019 10:33 pm
Forum: Investing - Theory, News & General
Topic: Challenge: what is the smallest mutual fund, in assets under management?
Replies: 19
Views: 1054

Re: Challenge: what is the smallest mutual fund, in assets under management?

Exactly! Here is a link that shows how a mutual fund's net asset value is calculated: https://www.thebalance.com/buying-mutua ... ks-3140909 (There might be a BH wiki on the subject too... but I'm too lazy to look. ;-) )
by ThereAreNoGurus
Thu Sep 05, 2019 10:28 pm
Forum: Investing - Theory, News & General
Topic: Challenge: what is the smallest mutual fund, in assets under management?
Replies: 19
Views: 1054

Re: Challenge: what is the smallest mutual fund, in assets under management?

Could someone just buy ALL of the shares if they wanted to have sort of "My Own Mutual Fund". complete with advisor(s)? By putting in a buy order for the full value? What would happen? :confused RM If I understand the question correctly... when you purchase mutual fund shares, you are not buying sh...
by ThereAreNoGurus
Thu Sep 05, 2019 10:18 pm
Forum: Investing - Theory, News & General
Topic: Challenge: what is the smallest mutual fund, in assets under management?
Replies: 19
Views: 1054

Re: Challenge: what is the smallest mutual fund, in assets under management?

Here's one I don't get:
Fidelity Flex Freedom Income
FTLSX

Only 111K assets. Started-up in 2017 and is closed to investors: https://fundresearch.fidelity.com/mutua ... /315793547

I wonder if it was ever open to the general public.
by ThereAreNoGurus
Thu Sep 05, 2019 10:04 pm
Forum: Investing - Theory, News & General
Topic: Challenge: what is the smallest mutual fund, in assets under management?
Replies: 19
Views: 1054

Re: Challenge: what is the smallest mutual fund, in assets under management?

Tactical Multi-Purpose TMPFX 24,883 It is a Fisher Investments Ultra-Short Bond fund and it has a Gross Expense Ratio of 534% with a Net ER of 1% I am guessing those TV ads are expensive and they can't take out of that funds hide. https://fundresearch.fidelity.com/mutual-funds/summary/90470L766 Yea...
by ThereAreNoGurus
Thu Sep 05, 2019 10:01 pm
Forum: Investing - Theory, News & General
Topic: Challenge: what is the smallest mutual fund, in assets under management?
Replies: 19
Views: 1054

Re: Challenge: what is the smallest mutual fund, in assets under management?

Brandes Small Cap Value A BSCAX - $467,000. Pretty sure I can find a smaller one. Yeah, here we go: Second Nature Thematic Growth A CEGSX 131,763 They may have another class of this fund. If so, would those be combined? RM The question is probably moot... See my edited post... That Tactical Multipu...
by ThereAreNoGurus
Thu Sep 05, 2019 9:56 pm
Forum: Investing - Theory, News & General
Topic: Challenge: what is the smallest mutual fund, in assets under management?
Replies: 19
Views: 1054

Re: Challenge: what is the smallest mutual fund, in assets under management?

Brandes Small Cap Value A BSCAX - $467,000. Pretty sure I can find a smaller one. Yeah, here we go: Second Nature Thematic Growth A CEGSX 131,763 They may have another class of this fund. If so, would those be combined? RM The question is probably moot... See my edited post... That Tactical Multipu...
by ThereAreNoGurus
Thu Sep 05, 2019 9:47 pm
Forum: Investing - Theory, News & General
Topic: Challenge: what is the smallest mutual fund, in assets under management?
Replies: 19
Views: 1054

Re: Challenge: what is the smallest mutual fund, in assets under management?

Brandes Small Cap Value A
BSCAX - $467,000.

Pretty sure I can find a smaller one.

Yeah, here we go:
Second Nature Thematic Growth A
CEGSX
131,763

Nah... still too large...

Tactical Multi-Purpose
TMPFX
24,883

Will stop looking... kinda ridiculous.
by ThereAreNoGurus
Thu Sep 05, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard/Yodlee for Aggregation
Replies: 52
Views: 2576

Re: Vanguard/Yodlee for Aggregation

I use Personal Capital (like it a lot) and I'm not worried at all.

All of my accounts have two-factor authentication and it works fine with PC.

So even if somebody obtained my passwords and user-id's they could still not log in. I don't see what the concern is (as long as one employs 2-FA).
by ThereAreNoGurus
Tue Sep 03, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Internet security and vpn
Replies: 35
Views: 2806

Re: Internet security and vpn

I always use a VPN for both home and mobile devices. Not doing so opens up all your web traffic to your ISP. I use proton; they're a little pricey but they're outside the 14 eyes countries. Many sites nowadays use https protocol which encrypts your data. All your ISP provider can see (or a "hacker"...
by ThereAreNoGurus
Tue Sep 03, 2019 12:29 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 859
Views: 45627

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

MotoTrojan wrote:
Tue Sep 03, 2019 12:26 pm
Tomorrow my M1 account will say goodbye to TMF forever as I go all-in on 43/57 UPRO/EDV. Good luck to you all!
Don't forget to write! haha