Search found 444 matches

by mindboggling
Mon Sep 21, 2020 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: who do you bank with and why?
Replies: 137
Views: 11829

Re: who do you bank with and why?

Years ago I was a Bank of New York customer. Their retail banking operation was taken over by Chase. I've been with Chase ever since. Chase's interest rates have always been very low, so I don't keep much of a balance there. I've used their bill-pay for many years and they don't make mistakes. Two o...
by mindboggling
Tue Sep 15, 2020 12:59 pm
Forum: Personal Investments
Topic: Vanguard funds in retirement
Replies: 15
Views: 1606

Re: Vanguard funds in retirement

I use LifeStrategy Income in my Trad. IRA, and LifeStrategy Growth in my Roth IRA. Someday I might break them up into their components, but for now I love the simplicity. And they re-balance for me, too! I'm 67 and retired.
by mindboggling
Mon Sep 14, 2020 4:02 pm
Forum: Personal Consumer Issues
Topic: What's this bug?
Replies: 34
Views: 2553

Re: What's this bug?

This is the first time in years I'm glad I live in upstate NY.
by mindboggling
Wed Sep 09, 2020 4:55 pm
Forum: Personal Investments
Topic: [Have Vanguard LifeStrategy Growth fund - is this OK?]
Replies: 15
Views: 1355

Re: [Have Vanguard LifeStrategy Growth fund - is this OK?]

67 y/o, retired. I use LS Growth in my Roth IRA, and LS Income in my Trad. IRA. They re-balance automatically and I enjoy not having to worry about the components.
by mindboggling
Wed Sep 09, 2020 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: New round of VRP (early retirement offer) pending at megacorp
Replies: 9
Views: 1432

Re: New round of VRP pending at megacorp

You might get more responses if you share what VRP stands for.
by mindboggling
Fri Sep 04, 2020 9:57 pm
Forum: Investing - Theory, News & General
Topic: How do you *say* "ERISA"
Replies: 37
Views: 2083

Re: How do you *say* "ERISA"

Just the way it looks: er-ee-sa
by mindboggling
Thu Sep 03, 2020 7:26 pm
Forum: Investing - Theory, News & General
Topic: Uniswap Bogleheads?
Replies: 16
Views: 1211

Re: Uniswap Bogleheads?

Are you the marketing manager?
by mindboggling
Tue Sep 01, 2020 9:41 pm
Forum: Personal Investments
Topic: My Asset Allocation at cross roads ?? What to do ?
Replies: 6
Views: 797

Re: My Asset Allocation at cross roads ?? What to do ?

I would re-balance and take some money off the table. You have more than enough. Don't be greedy.
by mindboggling
Tue Sep 01, 2020 6:33 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 246
Views: 15018

Re: What is your age and asset allocation ?

67, retired. 30% stocks, 70% fixed income. Stocks 20% international. Fixed income is total bond index, short-term TIPS, I-bonds, high-yield(?) savings accounts.
by mindboggling
Fri Aug 28, 2020 8:03 pm
Forum: Personal Investments
Topic: Checking in with 2 and 3 fund portfolio people
Replies: 23
Views: 2566

Re: Checking in with 2 and 3 fund portfolio people

I use Vanguard LifeStrategy funds in my IRAs and a 3-fund portfolio for taxable. I'm not planning any changes. Not sure what kind of information you are seeking.
by mindboggling
Thu Aug 27, 2020 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is cash really king?
Replies: 35
Views: 3716

Re: Is cash really king?

Doctor Rhythm wrote: Wed Aug 26, 2020 7:16 pm Sometimes cash is king. Sometimes cash is trash. You can never know until after the fact. But I know with certainty that you are the first person on this forum that said they got financial advice from the bait & tackle shop.
:sharebeer
I hope it was a fee-only bait & tackle shop.
by mindboggling
Wed Aug 26, 2020 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Merrill Edge bonus?
Replies: 30
Views: 2429

Re: Merrill Edge bonus?

A few months ago I moved most of my life savings to Schwab and got a $2500 bonus. I think I have to leave the funds there for one year, but that's no problem.
by mindboggling
Fri Aug 21, 2020 7:45 pm
Forum: Personal Investments
Topic: DAF recommendations?
Replies: 31
Views: 1470

Re: DAF recommendations?

I just opened a DAF at Schwab and intend to roll my Vanguard DAF over to it. One thing I noticed right away is that my Schwab DAF appears with all my other accounts when I log in to Schwab. Vanguard's DAF requires me to go to a separate website with its own login (user/password) to access the accou...
by mindboggling
Fri Aug 21, 2020 5:46 pm
Forum: Investing - Theory, News & General
Topic: If International, what specifically?
Replies: 88
Views: 7039

Re: If International, what specifically?

My IRAs are in Vanguard LifeStrategy funds, which use total international for the international holdings. In taxable I recently started using VEA (developed market index).
by mindboggling
Sun Aug 16, 2020 6:31 pm
Forum: Personal Investments
Topic: DAF recommendations?
Replies: 31
Views: 1470

Re: DAF recommendations?

I just opened a DAF at Schwab and intend to roll my Vanguard DAF over to it. One thing I noticed right away is that my Schwab DAF appears with all my other accounts when I log in to Schwab. Vanguard's DAF requires me to go to a separate website with its own login (user/password) to access the account.
by mindboggling
Mon Aug 10, 2020 7:52 pm
Forum: Personal Investments
Topic: Looking for a cloud based portfolio tracker
Replies: 15
Views: 1715

Re: Looking for a cloud based portfolio tracker

I have a simple portfolio. I made a simple spreadsheet with Google Sheets. It pulls in prices with googlefinance. The only items I really want to see are:
1. total assets at Schwab
2. total portfolio value
3. percent equity in total portfolio
4. percent international equity in total equity

Easy.
by mindboggling
Sat Aug 08, 2020 12:47 pm
Forum: Investing - Theory, News & General
Topic: Anyone else hoarding cash right now?
Replies: 201
Views: 21486

Re: Anyone else hoarding cash right now?

I'm retired, but most months I have extra money to invest. I've been putting 50% into a high-yield savings account at an online bank. The other half I add to VEU (Vanguard Developed Market ETF) since my international equity allocation is on the low side (slightly less than 20% of total equity). I do...
by mindboggling
Thu Aug 06, 2020 11:14 am
Forum: Personal Investments
Topic: Is Vanguard still good?
Replies: 42
Views: 3354

Re: Is Vanguard still good?

I would recommend Vanguard for a beginning investor who might be confused my the myriad of products sold by Schwab or Fidelity, some of which are mediocre, useless or downright toxic. For an experienced investor who is already knowledgeable about Bogle-style investing, Schwab, Fidelity or other larg...
by mindboggling
Wed Aug 05, 2020 8:13 pm
Forum: Personal Investments
Topic: VEA instead of VXUS? [Vanguard Developed instead of Total international]
Replies: 44
Views: 2638

Re: VEA instead of VXUS? [Vanguard Developed instead of Total international]

I've switched my international equities allocation in my taxable account to VEA recently. [Political comment removed by moderator oldcomputerguy] My IRA accounts, however, are in LifeStrategy funds that are more broadly based, international-wise. My overall allocation to equities is on the low side,...
by mindboggling
Mon Jul 27, 2020 8:09 am
Forum: Forum Issues and Administration
Topic: Proposal to represent a dynamic word cloud in Boglehead's main page
Replies: 82
Views: 5269

Re: Proposal to represent a dynamic word cloud in Boglehead's main page

No...just no. Data visualization is mostly just eye-candy designed to grab a viewer's attention.
by mindboggling
Wed Jul 22, 2020 9:01 pm
Forum: Personal Investments
Topic: What's next after maxing out all tax-advantaged accounts?
Replies: 23
Views: 1777

Re: What's next after maxing out all tax-advantaged accounts?

Open an account at Treasury Direct. Buy some I-bonds or EE-bonds.
by mindboggling
Sun Jul 19, 2020 5:26 pm
Forum: Investing - Theory, News & General
Topic: Were You Around During Dotcom Bubble?
Replies: 182
Views: 11623

Re: Were You Around During Dotcom Bubble?

"All software, while running, is obsolete."
by mindboggling
Thu Jul 16, 2020 7:30 am
Forum: Personal Investments
Topic: Schwab Transfer Bonus
Replies: 10
Views: 1125

Re: Schwab Transfer Bonus

OP here...thanks to everyone for your help!
by mindboggling
Wed Jul 15, 2020 10:05 pm
Forum: Personal Investments
Topic: Schwab Transfer Bonus
Replies: 10
Views: 1125

Schwab Transfer Bonus

Recently, I consolidated a Traditional IRA and a Rollover IRA at Vanguard into one Traditional IRA at Schwab. Schwab promised me a transfer bonus, which I just received. The bonus, however, was paid into the new Traditional IRA account. I am retired and have no earned income, so I can no longer cont...
by mindboggling
Sun Jul 12, 2020 4:39 pm
Forum: Personal Investments
Topic: Treasury Bonds ETFs in Taxable Account
Replies: 7
Views: 593

Re: Treasury Bonds in Taxable Account

I have a Treasury Direct account that I opened to buy I-bonds. Some years ago I bought some individual notes and later decided I wanted to sell them before maturity. The procedure to transfer them to a broker was a royal pain. I was with Vanguard at the time and they required a medallion signature g...
by mindboggling
Fri Jul 10, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 161
Views: 9597

Re: Who is your favorite fiction author and what is your favorite book of theirs?

Texgal17 wrote: Fri Jul 10, 2020 3:56 pm Lonesome Dove, Larry McMurtry
His son James McMurtry, is an awesome singer-songwriter as well. I’ve seen him in concert a few times....
Yes, yes, yes to both of them! :beer
by mindboggling
Fri Jul 10, 2020 3:34 pm
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 161
Views: 9597

Re: Who is your favorite fiction author and what is your favorite book of theirs?

Salman Rushdie...Midnight's Children
William Burroughs...Naked Lunch
Thomas Pynchon...V
Donna Tartt...The Goldfinch
Vladimir Nabokov...Pale Fire
Mervlyn Peake...Gormanghast Trilogy (first 2 books)
by mindboggling
Mon Jul 06, 2020 9:14 pm
Forum: Investing - Theory, News & General
Topic: Is Axos Invest in violation of False advertisement Laws?
Replies: 9
Views: 798

Re: Is Axos Invest in violation of False advertisement Laws?

Customers don't come first...they come last. I would find another slick new way to invest.
by mindboggling
Mon Jun 22, 2020 2:54 pm
Forum: Personal Investments
Topic: Life Strategy Funds
Replies: 12
Views: 1120

Re: Life Strategy Funds

67 years old & retired. I use LS Income in my traditional IRA, and LS Growth in my Roth IRA. Although the international equity component is higher than I'd like, it is balanced out by S&P500/TSM holdings in my taxable account. Looking at my portfolio overall, the percent of international equity is a...
by mindboggling
Sun Jun 21, 2020 7:43 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4606
Views: 1280900

Re: What Book Are You Currently Reading? Part VI

"The Mirror and the Light". Part 3 of the Wolf Hall trilogy by Hilary Mantel. Historical novels about the life of Thomas Cromwell, who rose from a commoner to power in the court of King Henry VIII of England (1500s). The first two books won the Booker Prize. It's also been a TV mini-series (although...
by mindboggling
Wed Jun 10, 2020 3:38 pm
Forum: Investing - Theory, News & General
Topic: Move from VTsax to sp500?
Replies: 9
Views: 1008

Re: Move from VTsax to sp500?

Since both funds are cap-weighted, it really doesn't matter. Past returns over long & short periods are virtually identical. Make sure your overall portfolio asset allocation is something you can live with and move on.
by mindboggling
Wed Jun 10, 2020 3:26 pm
Forum: Personal Consumer Issues
Topic: How to be informed but tune out the noise?
Replies: 26
Views: 1832

Re: How to be informed but tune out the noise?

I use reuters.com and bbc.com for hard news. Reporting seems factual, but their priorities are sometimes wacky. I don't own a "TV" and have never subscribed to cable except for internet.
by mindboggling
Sun Jun 07, 2020 6:50 pm
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 123
Views: 9661

Re: Vanguard vs. Fidelity

If one is an inexperienced investor, I might recommend Vanguard. Outfits such as Schwab and Fidelity offer a bewildering array of products and strategies, many of which are of little benefit to the investor. If one hasn't been schooled in Bogle-style investing, it can be confusing. I've had my life...
by mindboggling
Sun Jun 07, 2020 5:59 pm
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 123
Views: 9661

Re: Vanguard vs. Fidelity

If one is an inexperienced investor, I might recommend Vanguard. Outfits such as Schwab and Fidelity offer a bewildering array of products and strategies, many of which are of little benefit to the investor. If one hasn't been schooled in Bogle-style investing, it can be confusing. I've had my life ...
by mindboggling
Sat Jun 06, 2020 5:06 pm
Forum: Personal Investments
Topic: Retirees: what is your AA?
Replies: 80
Views: 4046

Re: Retirees: what is your AA?

67 y/o. 30/70 allocation. Pension + SS.
by mindboggling
Fri Jun 05, 2020 1:31 pm
Forum: Personal Investments
Topic: Vanguard Website not working right ??
Replies: 18
Views: 1417

Re: Vanguard Website not working right ??

2:26pm: was able to login no problem but got the old style pages instead of the new style. Browser was Chrome.
by mindboggling
Wed Jun 03, 2020 6:11 pm
Forum: Personal Consumer Issues
Topic: Linux Users- Are you running antivirus?
Replies: 21
Views: 1385

Re: Linux Users- Are you running antivirus?

I've been running linux exclusively at home for close to 15 years and I've never had a virus. I've never seen anti-virus software for linux. I once clicked on something that went to a ransomware screen and locked everything up, but a hard re-boot restored proper operation completely. Nice!
by mindboggling
Thu May 21, 2020 7:54 pm
Forum: Investing - Theory, News & General
Topic: Who's right about the future? Stock or Bond market?
Replies: 50
Views: 4868

Re: Who's right about the future? Stock or Bond market?

Split the difference and buy some of both.
by mindboggling
Sat May 16, 2020 10:47 pm
Forum: Personal Consumer Issues
Topic: How did you feel after giving notice to retire?
Replies: 52
Views: 4558

Re: How did you feel after giving notice to retire?

I retired in two stages. I was a full-time, union-represented staff employee. I was offered a buy-out in 2013 and took it. Three days later I was back as a part-time daily-hire working two 12-hour shifts on the weekends. Did that for three years and then quit for good. No regrets. The company was al...
by mindboggling
Tue May 12, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 7220

Re: Has Your Spending Changed Since The Shutdown?

I used to go out to breakfast a lot. Now I can't. Had to go back to cooking at home :-( .
by mindboggling
Mon May 11, 2020 7:59 pm
Forum: Personal Investments
Topic: Schwab and Fractional Shares for ETFs
Replies: 6
Views: 846

Schwab and Fractional Shares for ETFs

I was text messaging with a Schwab rep this evening and he said that fractional shares of ETFs will be available starting June 9. Just thought I'd pass that along.
by mindboggling
Sat May 09, 2020 7:15 pm
Forum: Investing - Theory, News & General
Topic: I am always slightly disappointed with my AA
Replies: 48
Views: 3600

Re: I am always slightly disappointed with my AA

It's so sad when a persnickety boglehead can't maximize their optimization :D .
by mindboggling
Mon May 04, 2020 7:26 pm
Forum: Investing - Theory, News & General
Topic: Uh, Cramer? [urging us to dump S&P 500 index funds]
Replies: 15
Views: 2242

Re: Uh, Cramer? [urging us to dump S&P 500 index funds]

Does the OP have a question or something? Or are we just a link-farm for mass media clickbait?
by mindboggling
Mon May 04, 2020 7:19 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5508

Re: Where do you back up your important data?

I've been using Dropbox's free level for some years. I back it up now and then to Google Drive.
by mindboggling
Mon May 04, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Keep debit card locked at all times?
Replies: 36
Views: 2868

Re: Keep debit card locked at all times?

I don't know what kind of account you have at Chase, but recently I exchanged my Chase debit card for an ATM-only card. They had to issue a whole new card because of the VISA logo on the debit card. I live in New York State. I didn't know one could lock/unlock a debit card with the mobil app. I migh...
by mindboggling
Mon Apr 27, 2020 8:23 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4606
Views: 1280900

Re: What Book Are You Currently Reading? Part VI

"A Gentleman In Moscow" by Amor Towles. His first novel "Rules of Civility" is good, too.
by mindboggling
Tue Apr 21, 2020 3:54 pm
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 168
Views: 15363

Re: For those concerned about International Stocks...

Nowadays, electronics manufacturers often supply a universal power supply for many products that can accept 110 VAC inputs as well as 220 VAC inputs, so one standard model can be used world-wide with only an inexpensive adapter. In a similar way, I think, Vanguard is striving for a universal portfol...
by mindboggling
Sun Apr 19, 2020 8:13 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 922
Views: 55644

Re: What are you listening to now

Hayes Carll...yes! Great songwriter.
by mindboggling
Sun Apr 19, 2020 7:25 pm
Forum: Personal Investments
Topic: Any reason to keep Vanguard Federal Money Market Fund?
Replies: 16
Views: 2861

Re: Any reason to keep Vanguard Federal Money Market Fund?

Keep in mind that dividends from the federal MMF are exempt from state income tax. With an online bank you would have to pay state income tax (if you live in a state with state tax).
by mindboggling
Sat Apr 18, 2020 12:43 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 77103

Re: Bogleheads community discussion - Coronavirus

For a good educational web-cartoon about pandemic modeling, you might want to check out this link:

https://fivethirtyeight.com/features/a- ... -modeling/

Even I understood it!