Search found 120 matches

by Vulcan
Thu May 10, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: How do you quantify the risk differential between 85/15 and 70/30?
Replies: 70
Views: 5922

Re: How do you quantify the risk differential between 85/15 and 70/30?

That's handing out false information. It is just the sp500 not the sp500 + dividends. There is a big difference between the two. At least read the story you linked. If you torture the data enough it will tell you anything. A certain type of risky bond was able to achieve according to some sources 1...
by Vulcan
Thu May 10, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Home Fire/Burglar Safe
Replies: 21
Views: 1419

Re: Home Fire/Burglar Safe

A moderately sized safe deposit box at a nearby B&M bank will cost no more than $50/year and will not be subject to risk from fires or motivated burglars. That is where we keep things that are difficult or impossible to replace (important documents, offsite data backups, etc). Make sure the bank wh...
by Vulcan
Thu May 10, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: How do you quantify the risk differential between 85/15 and 70/30?
Replies: 70
Views: 5922

Re: How do you quantify the risk differential between 85/15 and 70/30?

I wouldn't assume that stocks will beat bonds or the next 10 years or even 20. Didn't we just recently finish a 30year period where bonds beat stocks ? No we most certainly didn't. https://www.bogleheads.org/forum/viewtopic.php?t=88293#p1268227 That's handing out false information. It is just the s...
by Vulcan
Thu May 10, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Home Fire/Burglar Safe
Replies: 21
Views: 1419

Re: Home Fire/Burglar Safe

A moderately sized safe deposit box at a nearby B&M bank will cost no more than $50/year and will not be subject to risk from fires or motivated burglars. That is where we keep things that are difficult or impossible to replace (important documents, offsite data backups, etc). A couple years ago, I...
by Vulcan
Thu May 10, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: How do you quantify the risk differential between 85/15 and 70/30?
Replies: 70
Views: 5922

Re: How do you quantify the risk differential between 85/15 and 70/30?

CnC wrote:
Thu May 10, 2018 11:03 am
dziuniek wrote:
Thu May 10, 2018 10:48 am
I wouldn't assume that stocks will beat bonds or the next 10 years or even 20.

Didn't we just recently finish a 30year period where bonds beat stocks ?
No we most certainly didn't.
viewtopic.php?t=88293#p1268227
by Vulcan
Thu May 10, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Home Fire/Burglar Safe
Replies: 21
Views: 1419

Re: Home Fire/Burglar Safe

My safe is minimally fireproof . My goal was to keep young kids(at the time) and casual smash and grab burglars out. Two relevant anecdotes. A friend of mine came home from a vacation to find his house burned to the ground. When he opened the fireproof safe he found the ashes of paper documents and...
by Vulcan
Wed May 09, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Question on safety of ETFs
Replies: 32
Views: 2139

Re: Question on safety of ETFs

Texanbybirth wrote:
Wed May 09, 2018 2:37 pm
Gnothi seauton
Yes. That is very true (had to look that up;)

The most important lesson I learned from holding some ETFs for a period of time is that ETFs are not for me. The more I understand them, the more I don't like them emotionally:)
by Vulcan
Wed May 09, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Question on safety of ETFs
Replies: 32
Views: 2139

Re: Question on safety of ETFs

I know you and I have been at this before, but for the new readers asking themselves this question (ETF or MF) I would say, if you have to ask, you don't need ETFs and should stick to mutual funds. Situations where ETFs have benefits are pretty esoteric and for most long term buy and hold investors...
by Vulcan
Wed May 09, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Question on safety of ETFs
Replies: 32
Views: 2139

Re: Question on safety of ETFs

I would remove VSS. I have a great deal of fear when trading VSS. And what is your source of paranoia with VSS? Dale "Just because you're paranoid doesn't mean they're not after you" disclaimer: I still use VSS, I just approach it with a great deal of respect and caution. This (premium/discount) is...
by Vulcan
Wed May 02, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 278
Views: 39677

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I believe it is the same 1.5 liter turbo motor as the the Accord from 2018 but it also is in the 2016+ Civic which has been around for a while so check to see how those have been running and any fixes there. The turbo in their engines is here to stay for a while and Hondas are very reputable so bel...
by Vulcan
Sat Apr 21, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: How to avoid a bad day on ETF conversion to MF [Mutual fund]
Replies: 11
Views: 820

Re: How to avoid a bad day on ETF conversion to MF

So you're going to convert back to MF and possibly back to ETF again in the future? Seems complicated. What I plan to do is convert enough MF shares to ETF for the bonus, but keep a lot of MF at Vanguard. I will do all my investing at Vanguard (using MFs) and simply park the ETFs at the bonus broke...
by Vulcan
Sat Apr 21, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: How to avoid a bad day on ETF conversion to MF [Mutual fund]
Replies: 11
Views: 820

Re: How to avoid a bad day on ETF conversion to MF

Vulcan wrote:
Sat Apr 21, 2018 3:58 pm
Great advice on TDAmeritrade charts. Don't know why I didn't check there! Thanks!
Actually. I did check, but couldn't find it. When I just search for it, it tells me "no results found".
Apparently, you have to go into charts first, then search there.
by Vulcan
Sat Apr 21, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: How to avoid a bad day on ETF conversion to MF [Mutual fund]
Replies: 11
Views: 820

Re: How to avoid a bad day on ETF conversion to MF

I understand your preference for the latter. While I have a hard time empathizing with the complexity aspect, I recognize that I'm in no position to judge your preferred level of simplicity. Still, if it were me, I would sell just enough VXUS to buy $10k of VTIAX (or even $3,000 of VGTSX) and start...
by Vulcan
Sat Apr 21, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: How to avoid a bad day on ETF conversion to MF [Mutual fund]
Replies: 11
Views: 820

Re: How to avoid a bad day on ETF conversion to MF

JustinR wrote:
Sat Apr 21, 2018 3:26 pm
Are you no longer doing brokerage bonuses then? Did you find them to be too much of a hassle?
I saw no other attractive enough bonuses available to me. If I ever decide to play this game again I can always convert to ETF at NAV.
by Vulcan
Sat Apr 21, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: How to avoid a bad day on ETF conversion to MF [Mutual fund]
Replies: 11
Views: 820

Re: How to avoid a bad day on ETF conversion to MF

I have brought my VXUS shares back to Vanguard from TDA and am about to sell them to buy VTIAX Sorry, I know that you wrote a lot about your concern, but I have to go to the basics: why are you doing this? I can't see any reason whatsoever for it. I presume the question is about my reasons for conv...
by Vulcan
Sat Apr 21, 2018 2:34 pm
Forum: Investing - Theory, News & General
Topic: How to avoid a bad day on ETF conversion to MF [Mutual fund]
Replies: 11
Views: 820

How to avoid a bad day on ETF conversion to MF [Mutual fund]

I have brought my VXUS shares back to Vanguard from TDA and am about to sell them to buy VTIAX, but I found that VXUS-IV chart on Yahoo finance no longer works, at least for me. Does anyone still use it? Is there an alternative? In the meantime, I built a VXUS/VTIAX price ratio chart in Google Docs ...
by Vulcan
Fri Apr 20, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: How much off MSRP should one expect?
Replies: 23
Views: 2224

Re: How much off MSRP should one expect?

MSRP is irrelevant. Negotiate down from Invoice +$200.
by Vulcan
Thu Apr 19, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: Dramatic decline in VTSMX small cap holdings?
Replies: 7
Views: 1083

Re: Dramatic decline in VTSMX small cap holdings?

I cannot provide source link for prior portfolio composition at Morningstar. Each time I rebalance, I always check portfolio composition at Morningstar and record it in my notes. For years, small plus micro has been at or above 9%. Bogleheads wiki seems to agree as of 27 Dec 2017 https://www.bogleh...
by Vulcan
Mon Apr 09, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Purepoint now 1.6%
Replies: 16
Views: 2369

Re: Purepoint now 1.6%

DollarSavingsDirect is 1.80% APR
by Vulcan
Sat Jan 20, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Which tax software for 2017?
Replies: 20
Views: 1585

Re: Which tax software for 2017?

Lieutenant.Columbo wrote:
Sat Jan 20, 2018 9:47 am
does Credit Karma help filing taxes for taxable investments and backdoor IRA? thank you
I believe so (they support 1099 and 8606 forms)
Federal Forms supported by Credit Karma Tax
https://help.creditkarma.com/hc/en-us/a ... -Karma-Tax
by Vulcan
Sat Jan 20, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Which tax software for 2017?
Replies: 20
Views: 1585

Re: Which tax software for 2017?

I've been very pleased with Credit Karma's tax offering last year and plan to use it going forward. It is completely free, including state filing, no strings attached.
by Vulcan
Sun Dec 10, 2017 6:42 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 4749

Re: Buying index funds is just as speculative as buying Bitcoin

How is bitcoin different from hundreds of other available crypto currencies?
by Vulcan
Wed Nov 29, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 11088

Re: Which crash have you seen it before it is coming?

Another entertainment post here. Is there any wise bogle's who have seen or even felt any of the previous crashes coming? And if so, what makes you feel that "something is not right here", and have you done anything about here? The reason I am asking this is that I wasn't in US before 2012, and I h...
by Vulcan
Thu Nov 23, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 157
Views: 19088

Re: Chromebooks- What is the lure?

If one isn't sure if Chromebook is right for them they can try a free version of it on their own laptop from a flash drive.

https://www.neverware.com
by Vulcan
Tue Nov 07, 2017 11:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 119
Views: 31214

Re: Vanguard's new security key option

Also most 2FA systems do NOT ask you for a phone number, they send the message to a preconfigured number. Are there 2FA systems that ask you where to send the code? (and if so, hopefully they don't just accept any random number...) :shock: I've seen 2FA systems asking you for the full phone number,...
by Vulcan
Tue Nov 07, 2017 8:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 119
Views: 31214

Re: Vanguard's new security key option

My phone is protected by fingerprint login. Besides, it's not enough to steal my phone and get the second factor compromised - you still have to know the password, which is the first factor, and it's not on the phone (well, not in plain text anyway;). Sorry if I'm slow, but I don't understand why y...
by Vulcan
Tue Nov 07, 2017 6:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 119
Views: 31214

Re: Vanguard's new security key option

I have been thinking of switching my SMS backup (when I get my Yubico key) to my Google Voice number, which I don’t really use for anything else. That is what I do for all SMS-based 2FA setups. I get message in hangouts and email copy to my Gogole account. Since the Google account is protected by 2...
by Vulcan
Sun Nov 05, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 119
Views: 31214

Re: Vanguard's new security key option

I have been thinking of switching my SMS backup (when I get my Yubico key) to my Google Voice number, which I don’t really use for anything else. That is what I do for all SMS-based 2FA setups. I get message in hangouts and email copy to my Gogole account. Since the Google account is protected by 2...
by Vulcan
Sun Nov 05, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 8813

Re: Does Retirement Make You Lazier?

technovelist wrote:
Sat Nov 04, 2017 7:42 pm
3. Invented a new interpretation of quantum mechanics and a philosophy derived from it.
I would be very interested to hear about it, possibly in PM?
by Vulcan
Tue Oct 24, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: International allocation in 401k
Replies: 9
Views: 622

Re: International allocation in 401k

What's the problem with continuing to hold international in Roth and taxable?
by Vulcan
Tue Oct 10, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 97
Views: 22894

Re: Alternative to Google Finance?

Just saw this too. They always manage to take away some of the features I use most. I didn't actually track my portfolio there but just had the ETF equivalents of my mutual funds for a quick way to check on the daily performance. I assume they'll still have a way to be able to input ticker symbols ...
by Vulcan
Sun Oct 01, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: How much liquid Cash to Keep in Savings
Replies: 35
Views: 6573

Re: How much liquid Cash to Keep in Savings

+1 on the Ally Bank 1.5% no penalty 11 mo CD. An excellent vehicle for cash, you can cash out to checking quickly. Downside is the $25K minimum per CD. DollarSavingsDirect pays 1.4% on savings. Yes, it's less than 1.5%, but no CD-associated hassles, and better than Ally's 1.2% on savings, so moved ...
by Vulcan
Thu Aug 10, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 83
Views: 9664

Re: Aug. 2017 US total eclipse hotel reservations.

Toons wrote:98.7 coverage here,,,,
I am fine. :happy
Not really, no.
http://www.eclipse2017.org/2017/close_enough.htm
by Vulcan
Mon Aug 07, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: Acadia National Park: Bar Harbor, Maine
Replies: 28
Views: 3123

Re: Acadia National Park: Bar Harbor, Maine

We had a great stay at Isleview Motel and Cottages two years ago. They have a number of cottages to choose from.
http://www.isleviewmotel.com/

Our morning tea area:
Image
by Vulcan
Wed Jun 21, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 6984

Re: Google Fi? pros/cons? anyone using it?

Arguably the best feature of Project Fi that makes it unbeatable for some use cases are their free "data-only" SIMs. Those are essentially free lines of service that do not require Fi-compatible phone and do not incur monthly charges beyond consuming data from the primary line's data bucket. https:/...
by Vulcan
Wed Apr 26, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: ETF verses Mutual Funds.
Replies: 37
Views: 2607

Re: ETF versus Mutual Funds.

It wasn't obvious at all, unfortunately. That you understood VXUS-IV is only currency-adjusted rather than fair-value adjusted wasn't an inference I could easily make. That's partially because you said "I'm not sure this is foolproof"; far from being foolproof in fact it's almost always going to be...
by Vulcan
Wed Apr 26, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: ETF verses Mutual Funds.
Replies: 37
Views: 2607

Re: ETF versus Mutual Funds.

...Now if only Vanguard came out with Admiral shares of VT already!

PS. I keep fixing the subject, but it keeps popping up wrong
by Vulcan
Wed Apr 26, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: ETF verses Mutual Funds.
Replies: 37
Views: 2607

Re: ETF versus Mutual Funds.

I didn't say it would always work. I also assumed that since you got a brokerage bonus, that you were not talking about Vanguard, so that you would not be buying the mutual fund in the same place that you owned the ETF. I often sell/buy in one account (say at TDAmeritrade) and then later unwind the...
by Vulcan
Wed Apr 26, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: ETF verses Mutual Funds.
Replies: 37
Views: 2607

Re: ETF versus Mutual Funds.

I would probably wait until a morning when VXUS was up 1% or more. Then if it started to trail off from its intraday high, I would sell it. Then buy the mutual fund at the end of the day. Conversely, on a day when VXUS has dropped 1% or more, I would submit an order to buy the mutual fund. Then wai...
by Vulcan
Wed Apr 26, 2017 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: ETF verses Mutual Funds.
Replies: 37
Views: 2607

Re: ETF versus Mutual Funds.

Ok, I will concede that ETFs are a superior speculative vehicle. In light of that I would like to ask for sage advice on how I can reliably sell VXUS shares at premium relative to the MF NAV at close that day. I converted some MF shares to ETF to take advantage of some brokerage bonuses with an int...
by Vulcan
Wed Apr 26, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: ETF verses Mutual Funds.
Replies: 37
Views: 2607

Re: ETF versus Mutual Funds.

Ok, I will concede that ETFs are a superior speculative vehicle. In light of that I would like to ask for sage advice on how I can reliably sell VXUS shares at premium relative to the MF NAV at close that day. I converted some MF shares to ETF to take advantage of some brokerage bonuses with an int...
by Vulcan
Wed Apr 26, 2017 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: ETF verses Mutual Funds.
Replies: 37
Views: 2607

Re: ETF verses Mutual Funds.

Unless one has a compelling well-articulated reason to choose ETFs, they are better off with equivalent mutual funds. OK, I can buy ETFs at 1% to 2% cheaper intraday than I am able to buy mutual funds at the close. I can sell ETFs at 1% to 2% higher intraday than I am able to sell mutual funds at t...
by Vulcan
Wed Apr 26, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: ETF verses Mutual Funds.
Replies: 37
Views: 2607

Re: ETF verses Mutual Funds.

OK, I can buy ETFs at 1% to 2% cheaper intraday than I am able to buy mutual funds at the close. I can sell ETFs at 1% to 2% higher intraday than I am able to sell mutual funds at the close. That's doesn't mean everybody else can do that, but I make no apologies for that. :twisted: Can you describe...
by Vulcan
Wed Apr 26, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: ETF verses Mutual Funds.
Replies: 37
Views: 2607

Re: ETF versus Mutual Funds.

All the ETFs I look at are extremely liquid and have a penny bid/ask so the MF's trading at NAV isn't a huge benefit because NAV only calculates after 4pm anyhow. Even more important than bid/ask spread is premium/discount over/under NAV, which can reach 0.5% and above on even the most liquid ETFs ...
by Vulcan
Fri Apr 14, 2017 8:21 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Is Growing Faster Than Everybody Else Combined]
Replies: 34
Views: 3110

Re: NYT article on Vanguard

Further at the investors.com link above,
The report noted that Fidelity's buildup of index funds in recent years enabled it "to offset some of the bleeding on the active (management) side of (funds) with $37 billion in index-tracking inflows."
by Vulcan
Fri Apr 14, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Is Growing Faster Than Everybody Else Combined]
Replies: 34
Views: 3110

Re: NYT article on Vanguard

Yes, I thought that was disingenuous of the NYT reporter. Better to compare inflows at Vanguard vs. inflows at all other firms with significant indexing business. Or, indexing inflows (aggregate) vs active funds outflow. But that wouldn't result in such a flashy result. Well, here's the info for 20...
by Vulcan
Tue Mar 28, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: What's your personal criteria for deciding whether or not to rent a car?
Replies: 105
Views: 6715

Re: What's your personal criteria for deciding whether or not to rent a car?

We rent for extended road trips. At the cost widely viewed to be at least not higher than depreciation+maintenance (it often works out to be right around approx .10/mile for our rentals) we consider it free insurance against breakdown or an accident that, if it was your own car, would interrupt a va...
by Vulcan
Wed Mar 15, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: "Don't time the market" vs. "Buy low, sell high"
Replies: 69
Views: 7013

Re: "Don't time the market" vs. "Buy low, sell high"

livesoft wrote:
vicp88 wrote:Will I find the other half in the book?
No, you won't.
That biggest share of declines also happens on just a few market days, I presume. Which only further shows how pointless it is to sell after a big sell-off.