Bogleheads.org

Eric76

Pretty meaningless. .04 and .03 are both basically nothing.

Eric76

My son has a MoviePass and loves it. It's also an easy decision for the theaters. It's like a casino comping a room. It's already built, so any further use is pure profit. And they make the real money on the concessions. This isn't an accurate analogy because the theaters aren't "comping" anything.

Eric76

When I typed Grant Cardone on google, he is noted as an "Actor." He wrote a book with a title used as a tagline in "Talladega Nights: The Ballad of Ricky Bobby." He is also the proprietor of something called "Cardone University." I'll stick to taking investment advice from Jack Bogle. Then again, I ...

Eric76

Vanguard web page has a ETF Q & A. I am not sure how to post link. I would review that as you can't convert Vanguard ETFs back to conventional Vanguard mutual funds. I.E. convert VTI to VTSMX. However the reverse is allowable to convert mutual funds to ETFs. If it's in a Roth, it's not taxable anyw...

Eric76

[Thread merged into here, see below. --admin LadyGeek]

Weird.

Eric76

Yeah, they should really consider lowering the subscription price. Lol.

Eric76

Wouldn't Jack say that the value of a (safe) defined benefit pension and social security be included in the bond side of retirement allocation?

Eric76

All of which means that you 5) have utterly no stake in this situation because it is their money 6) have no reason whatsoever to try to intervene in how they handle their money 7) will almost certainly regret any ensuing drama if you ignore points 5) and 6) You're welcome :wink: The thing is, I've ...

Eric76

I thought ML fee is capped at 2.7% pa according to an article last year. https://www.wsj.com/articles/merrill-lynch-cuts-maximum-advisory-fee-for-smaller-clients-1487891496 This is interesting. I saw their February statement and it showed .25 was the advisory fee and year to date was .49. I figured...

Eric76

Without going into too many unnecessary details, my in-laws are horrible with money. They lost almost all of their savings in a scam years ago. More recently they inherited some money. The estate attorney recommended his friend, a ML FA, to handle the inheritances (roughly 500k). The good news is th...

Eric76

My dad has always said the following about accumulating wealth that rings so true:

"If you can get to $1 million net worth by 40 you're likely doing something right. If you don't turn $1 million into $2 million from 40 to 50, you're likely doing something wrong."

Eric76

If the new standard tax deduction means I will no longer itemize, doesn't that make carrying a mortgage much less beneficial?

Eric76

What could possibly go wrong?

Eric76

Been with the lizard for 10 years. We had one claim that went very smoothly. Periodically I'll shop around but the rates are higher elsewhere.

Eric76

Vanguard has millions of account owners. If a substantial percentage of them try to access the web site at the same time, that would be enough to bring down most any site. Apparently it was not enough to bring down other sites with millions of account owners, such as Fidelity. I couldn't get on to ...

Eric76

Lowest monthly dividend that I can find for the fund...ever. Anybody have an explanation? In a rising rate environment I would expect at least a steady dividend, certainly not a dramatic decline.

Eric76

Not trying to time the market More of a question of timing I sense a disturbance in the force. You caught me! I generally don’t believe in market timing as a practical strategy over time. Just feel this is a somewhat unique time and would like to avoid losing a chunk of my nest egg when the market ...

Eric76

The interest on the HELOC is no longer tax deductible so it might as well be CC debt at 7%. I'd pay it off.

Eric76

While the "sleep at night" standard is obviously highly personal, it's hard for me to take seriously AA recommendations from people who never lived through a market crash.

Eric76

Nothing. The total value of all bitcoin is a rounding error compared to the trillions in assets moving around the world daily. I’m not so sure. With exchanges opening up leverage and derivatives will more and more become part of the game. These will amplify the effects of price movement of the unde...

Eric76

Nothing. The total value of all bitcoin is a rounding error compared to the trillions in assets moving around the world daily.

Eric76

The sheer number of Bitcoin threads on BH is itself overwhelming evidence of a massive bubble.

Eric76

This has been one of the more entertaining BH threads that I've read. Thanks OP. What a troll job.

Eric76

I would congratulate him on his success and then talk about something else.

Eric76

I never understood the concept of paying to be a walking billboard for a company. Shouldn't the company on the cap pay the wearer of the cap to promote the company?

Eric76

Putting HOA reserves in the stock market strikes me as a terrible idea. High yield savings account is the way to go.

Eric76

Cute gimmick, but without information on asset allocation, it's as useful as a screen door on a submarine.

Eric76

OP is absolutely right.

The market is inevitably going to crash eventually!

Eric76

So M* is launching their own mutual funds to compete with the funds their analysts rate. I couldn't imagine any conflicts emerging from that! :happy Personally, I find the comparison data and charts that M* provides very interesting. Their ratings seem to be primarily a vehicle for fund companies to...

Eric76

Naming the funds "Wellesley" and "Wellington" strikes me as a cheap marketing gimmick; as does splashing them all over the VG website when I log in and log out.

Eric76

The incessant complaints I read in here about VG customer service reeks of wanting to have your cake and eat it too. VG obviously prioritizes low cost, no frills above all else. If you need personalized attention and hand holding from a financial advisor, call Merrill Lynch and they'll happily conne...

Eric76

In terms of evacuation, only evacuate if you are in the highest risk areas (right on the coast, mobile home etc.). Trying to guess even 3 days out exactly where a hurricane will hit is almost impossible. In other words, you could end up evacuating into more danger.

Eric76

Interesting to get a first hand account of the situation. Thank you. Sensationalistic reporting for ratings clearly doesn't begin and end with financial news. I've tuned it all out.

Eric76

LOL WOW... those are some crazy answers and crazy people investing in FILES people can just MAKE UP. No crazier than investing in some paper with a picture and some numbers printed on it. LOLL SO TRUE [/quote] The U.S. Dollar (with the picture and serial number on it) is backed by the full faith an...

Eric76

Anything you do with your money, including putting it under your mattress, entails some degree of speculation. IMO buying the S&P 500 is less speculative than entrusting an active manager with picking winners.

Eric76

I have a diversified retirement plan in place. I'm just looking to take some extra cash and play some market swings and such. All of the online traders want a $500 initial deposit. I'd rather start with $200-300. Any advice would be greatly appreciated. This is monies I have previously set aside fo...

Eric76

I have a diversified retirement plan in place. I'm just looking to take some extra cash and play some market swings and such. All of the online traders want a $500 initial deposit. I'd rather start with $200-300. Any advice would be greatly appreciated. This is monies I have previously set aside fo...

Eric76

Anything wrong with dumping it all in BSV until you figure it out?

Eric76

I order refurbished phones for my wife and me through eBay. Never had an issue. Paid $360 for a 64GB 6s a few weeks ago. Is it just a matter of switching out the SIM card ? How is the cell number provisioned in the new phone ? How did you transfer all the data (if not in the cloud) ? Any advantage ...

Eric76

I order refurbished phones for my wife and me through eBay. Never had an issue. Paid $360 for a 64GB 6s a few weeks ago.

Eric76

As a disclaimer, I tend to be a late adopter of technology. I paid a total of 4.5% re commission on a traditional transaction when I sold my home in 2015. I found that to be reasonable as I wouldn't have wanted to do showings, host an open house, negotiate directly with prospective buyers, or (as a ...

Eric76

No mid cap/small cap exposure.

Eric76

I have a few oz of gold similar to these gold bars https://goo.gl/i8QJn8 what do you recommend I do with these? Continue to hold onto them? Sell them for cash? I don't need the cash at this time but I wanted to see if there's a way to invest it or not. Sell and reinvest in your asset allocation. If...

Eric76

I pay zero to buy/sell any ETF/stock (up to 30/mo.) at Merrill Edge. I have never paid fees to buy funds or ETFs; I probably never will. I paid a stock commission exactly once, to buy 1 share of Berkshire Hathaway, because it would save me more in insurance costs than the commission. I encourage ev...

Eric76

Unless I'm buying relatively illiquid stocks and/or stocks with wide bid/ask spreads, I'll buy/sell at market price.

Eric76

I pay zero to buy/sell any ETF/stock (up to 30/mo.) at Merrill Edge. I have never paid fees to buy funds or ETFs; I probably never will. I paid a stock commission exactly once, to buy 1 share of Berkshire Hathaway, because it would save me more in insurance costs than the commission. I encourage ev...

Eric76

I pay zero to buy/sell any ETF/stock (up to 30/mo.) at Merrill Edge. I have never paid fees to buy funds or ETFs; I probably never will. I paid a stock commission exactly once, to buy 1 share of Berkshire Hathaway, because it would save me more in insurance costs than the commission. I encourage ev...

Eric76

I'd have thought supermarket is Target, Walmart, etc. I'm surprised that Stop&Shop qualifies for 3% back in their definition of supermarkets. Below is definition of supermarket I got from dictionary.com for you: a large retail market that sells food and other household goods and that is usually ope...

Eric76

With B of A preferred platinum honors rewards visa you get 5.25% cash back on gas, 3.5% on groceries, 1.75% on other.

Eric76

Maybe. Then again, maybe not.

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