Search found 119 matches

by TdF fan
Sat Oct 21, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: New for Vanguard!
Replies: 28
Views: 3997

Re: New for VANGUARD!

Does anyone know how much overlap there will be in global wellington between the US stocks it will hold and the US stocks held in the US version of Wellington? Will they be the same stocks - only in smaller amounts. :? I do not know. I expect that because the management teams for the Global edition...
by TdF fan
Sat Sep 09, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 70
Views: 30495

Re: Is a security freeze at Innovis really needed?

I checked the Innovis website and it states: "... CBCInnovis does not maintain a database of consumer information." I don't understand what they mean by that. Several months ago I ordered my credit report from Innovis and while it only had a few of my accounts (not as complete as the big three), it...
by TdF fan
Fri Sep 08, 2017 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 51962

Re: Equifax customer information leak

Transunion had the worst experience for freezing. After twenty minutes on a unintuitive website, the last page would not permit me through. Another 20 on the phone, and finally frozen. Upon checking bank, two pending charges for the freeze. Experian and Equifax were both under 5 minutes online. Equ...
by TdF fan
Tue Aug 29, 2017 5:17 pm
Forum: Investing - Theory, News & General
Topic: Review with Me - Larry Swedroe's new book
Replies: 160
Views: 7752

Re: Why I asked for Larry book thread to be closed

nedsaid (in the other thread) wrote:I also have not lead 1/3 of the Bogleheads astray to convince them to put all their monies into individual stocks.
:happy I don't have an opinion on the book, but this gave me a chuckle. Thanks for the laugh nedsaid. :happy
by TdF fan
Sat Jul 15, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Treasurydirect down? (Sat 7/14 afternoon)
Replies: 3
Views: 331

Re: Treasurydirect down? (Sat 7/14 afternoon)

I'm getting this message:

"We're sorry...
The server has encountered an error, and we're unable to process your request."
by TdF fan
Sun Jun 18, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: TreasuryDirect - death of account holder
Replies: 20
Views: 2835

Re: TreasuryDirect - death of account holder

letsgobobby wrote:I'm going to run with 3 and see what Chase says tomorrow about providing a notary. That's not asking too much I don't think.
Just curious, any updates?
by TdF fan
Thu May 18, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Why do I have international bonds in my 3-fund portfolio?!
Replies: 5
Views: 819

Re: Why do I have international bonds in my 3-fund portfolio?!

Personal capital Holdings tab is showing that I have 1.44% of my portfolio allocated to International bonds fund! How could this be possible? where this coming from? The "Portfolio and Management" page on Vanguards site for VBMFX lists Foreign at 5.8%. It's part of the index the fund tracks. The st...
by TdF fan
Sat Feb 25, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 86
Views: 8242

Re: Vanguard Lousy Customer Service

On another note, this morning, I moved an old Fidelity 401k to a Fidelity IRA . All online, took all of 12 minutes. No signatures, no 1825 era mail, no medal of honor guarantees from the Pope. I can go online and see progress along the way very easily. Well....I've done this from other providers to...
by TdF fan
Tue Jan 03, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: I-bonds
Replies: 41
Views: 6809

Re: I-bonds

By the way you do something to transfer the converted bonds over to be shown with all your other bonds so they are all in one place. I couldn't possibly tell you what the process is (it was fairly obtuse) but it is doable (google it or look at the help on the website) and definitely more convenient...
by TdF fan
Tue Dec 27, 2016 12:51 pm
Forum: Investing - Theory, News & General
Topic: David Swensen says "never have anything weighted more than 30%"
Replies: 42
Views: 5305

Re: David Swensen says "never have anything weighted more than 30%"

TdF, I wonder if you'd run the portfolio again with long bonds instead of intermediate bonds and once more with a bond barbell of long bonds and short term bonds. It is my reading of Unconventional Success that he originally recommended long bonds and then clarified that the bond allocation should ...
by TdF fan
Mon Dec 26, 2016 10:04 pm
Forum: Investing - Theory, News & General
Topic: David Swensen says "never have anything weighted more than 30%"
Replies: 42
Views: 5305

Re: David Swensen says "never have anything weighted more than 30%"

...Swensen has six core assets classes for individual investors: domestic equity, foreign developed equity, emerging market equity, real estate, US TBonds, US TIPS... My interpretation is the 30% max rule is so that if(when) one asset class sinks, it doesn't sink the entire portfolio. Portfolio 1, ...
by TdF fan
Mon Dec 26, 2016 12:09 pm
Forum: Investing - Theory, News & General
Topic: David Swensen says "never have anything weighted more than 30%"
Replies: 42
Views: 5305

Re: David Swensen says "never have anything weighted more than 30%"

My question is, where did this 30% max rule come from? . As mentioned above, Swensen has six core assets classes for individual investors: domestic equity, foreign developed equity, emerging market equity, real estate, US TBonds, US TIPS. His rules and rationales are explained in his book Unconvent...
by TdF fan
Thu Aug 04, 2016 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Website Inaccessible all Week
Replies: 16
Views: 1890

Re: Ally Bank Website Inaccessible all Week

I just logged in. No problems.
by TdF fan
Wed Aug 03, 2016 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Pay-on-Death (beneficiary) for HIGH-yield Savings Account? (money market)?
Replies: 6
Views: 1274

Re: Pay-on-Death (beneficiary) for HIGH-yield Savings Account? (money market)?

GS Bank - 1.05%
Ally Bank - 1.00%
Barclays - 1.00%
AMEX Bank - 0.90%

All are good, all allow POD accounts.
by TdF fan
Thu Jul 07, 2016 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: How long does TreasuryDirect take to convert paper I bonds?
Replies: 67
Views: 16369

Re: How long does TreasuryDirect take to convert paper I bonds?

I thought I would add another data point to this discussion. I mailed paper iBonds to TD on May 7th and today (July 7th) it shows them as Converted. I don't know exactly when it was the last time I checked but it was sometime this past week, so total time was approximately 8 weeks or so. Not great, ...
by TdF fan
Wed Jun 08, 2016 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 422443

Re: What's Your Credit Card Rewards Strategy?

Looks like the AMEX Blue Cash Preferred annual fee will increase to $95 starting in August. I suppose it's still a good deal for groceries and gas, but I have reluctance to pay an annual fee even if it does pay for itself eventually.
by TdF fan
Thu May 05, 2016 10:49 am
Forum: Investing - Theory, News & General
Topic: Backtesting David Swensen Lazy Porfolio against Three Fund
Replies: 57
Views: 11203

Re: Backtesting David Swensen Lazy Porfolio against Three Fund

Even though Swensen mentions long-term Treasury bonds in his book Unconventional Success (particularly in reference to their diversifying power), I don't think he is adamant that an investor hold "long-term" bonds. In a later chapter about using ETF's, he lists short (SHY), intermediate (I...
by TdF fan
Tue Feb 02, 2016 11:28 am
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1186
Views: 179144

Re: QSPIX - thoughts on interesting fund

I just noticed that the soft close scheduled for Jan. 29 has been pushed out to March 31. Is the reason simply that the "capacity constraints" didn't arrive as soon as they anticipated? Are the SEC proposals causing a slowdown of inflows into the fund?
by TdF fan
Mon Jan 04, 2016 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Stunning Increase In Homeowner's Ins Premium
Replies: 27
Views: 5581

Re: Stunning Increase In Homeowner's Ins Premium

After being a ten year customer of MetLife and several years of substantial increases, I switched from MetLife to Eire Insurance. Same coverage for less than half of MetLife's premium. It seems it doesn't pay to be a loyal customer anymore. I now see the necessity of shopping for insurance every two...
by TdF fan
Sun Dec 06, 2015 7:15 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 45283

Re: OPM breach and credit freeze

I got my letter a couple of days ago and enrolled in myIDcare today. I added a phone number and an email address they didn't have, but that's all for now. I've been considering freezing my credit for awhile and this will push me to go ahead and just do it.
by TdF fan
Sun Dec 06, 2015 7:03 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 350
Views: 41259

Re: Flaunt Your High-Mileage Car

323,000 miles - 1993 Honda Accord - bought new (planning on buying a new car soon)

a funny article from the Onion: http://www.theonion.com/article/toyota-recalls-1993-camry-due-fact-owners-really-s-50480
by TdF fan
Thu Oct 29, 2015 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Customer Protection Guarantee
Replies: 16
Views: 2094

Re: Fidelity Customer Protection Guarantee

I'd call back and hopefully get another rep who has more knowledge about it. When I called, the rep at first didn't know what I was talking about and then said "oh yes the soft token". He then had to get someone else involved in order to activate it on Fidelity's side. I would not take a f...
by TdF fan
Sat Oct 24, 2015 11:30 am
Forum: Investing - Theory, News & General
Topic: Jason Zweig interview: Writing, Risk, and Why Historical Perspectives Matter
Replies: 4
Views: 1318

Re: Jason Zweig interview: Writing, Risk, and Why Historical Perspectives Matter

His take on the million dollar parking spot was quite enlightening and I had never heard the bowl of nickels story before.
Thanks for the heads up Gatorking!
by TdF fan
Wed Jul 15, 2015 1:34 pm
Forum: Investing - Theory, News & General
Topic: Where do you put your cash?
Replies: 73
Views: 12880

Re: Where do you put your cash?

GE Capital Bank - 1.05%
by TdF fan
Sat Jul 04, 2015 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: MetLife Experience for Auto/Home/Umbrella?
Replies: 13
Views: 2251

Re: MetLife Experience for Auto/Home/Umbrella?

I've had MetLife for auto/home for about ten years now. The only claim experience has been for hail damage for my house about four years ago (car was in the garage, so no damage to it thankfully). I thought they handled the claim very professionally and I was quite pleased with the whole experience....
by TdF fan
Tue Jun 30, 2015 10:37 am
Forum: Investing - Theory, News & General
Topic: Foreign bond funds
Replies: 6
Views: 1099

Re: Foreign bond funds

Here is Vanguards study, in case you haven't already seen it.

https://advisors.vanguard.com/iwe/pdf/ICRIFI.pdf?oeaut=vGpcqssNHG
by TdF fan
Tue Jun 30, 2015 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 67
Views: 8792

Re: Unknown phone calls

Although I haven't gotten one, people in our area are getting the phony "IRS" calls demanding immediate payment or the sheriff will be at your house in 2 hours to arrest you. I got one of these yesterday, called twice in fact, the second time leaving a long message that ended "help u...
by TdF fan
Mon Jun 15, 2015 10:31 pm
Forum: Personal Consumer Issues
Topic: Amazon Add-On Items: Can you buy without spending $25?
Replies: 19
Views: 7466

Re: Amazon Add-On Items: Can you buy without spending $25?

I haven't found a way around the $25 limit for a one time purchase, but it appears that if it's an item you want to buy periodically you can use the "Subscribe & Save" service that has free shipping. I haven't used it myself but was looking into it recently for a food item that I might...
by TdF fan
Sat Jun 13, 2015 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF annual policyholder vote
Replies: 5
Views: 954

Re: TIAA CREF annual policyholder vote

I got an email about it a couple of days ago with a link to the ballot, but didn't pay any attention to it. I think I deleted it since I can't find it now. Here's a link to the morningstar forum where it's being discussed, if it's helpful: http://socialize.morningstar.com/NewSocialize/forums/p/35004...
by TdF fan
Sat Jun 13, 2015 9:15 am
Forum: Personal Consumer Issues
Topic: How to securely dispose old computer?
Replies: 43
Views: 6870

Re: How to securely dispose old computer?

Another vote for DBAN. Avoids flying shrapnel.
by TdF fan
Fri Jun 12, 2015 1:53 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1186
Views: 179144

Re: A second look at QSPIX

Taylor Larimore wrote:* QSPIX has a five million dollar investment minimum. (Why are we discussing it?)

Taylor - Fidelity lists a $2,500 minimum for IRA accounts and I think TD Ameritrade has something similar. I'm not advocating for this fund, just pointing out it's more accessible to many than it first appears.
by TdF fan
Fri Jun 12, 2015 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Clean investing in a single stock
Replies: 66
Views: 9734

Re: Clean investing in a single stock

sdsailing wrote:Oops, I must have strayed off the Bogleheads board again ! :oops:

I'm beginning to wonder if we need an "OT - Non-Bogleheads Type Investing" sub-forum. :confused
by TdF fan
Fri Jun 12, 2015 9:07 am
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1186
Views: 179144

Re: QSPIX - thoughts on interesting fund

For those of you who have an allocation to this fund, I'm curious if you plan to rebalance into or out of it as applicable (with whatever rules you normally use to rebalance)? I'm just trying to figure out if this fund represent an asset class that would be rebalanced similar to stocks and bonds, o...
by TdF fan
Thu Jun 11, 2015 5:38 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1186
Views: 179144

Re: QSPIX - thoughts on interesting fund

For those of you who have an allocation to this fund, I'm curious if you plan to rebalance into or out of it as applicable (with whatever rules you normally use to rebalance)? I'm just trying to figure out if this fund represent an asset class that would be rebalanced similar to stocks and bonds, or...
by TdF fan
Thu Jun 11, 2015 5:27 pm
Forum: Investing - Theory, News & General
Topic: Intermediate Treasury Bond Fund
Replies: 16
Views: 3169

Re: Intermediate Treasury Bond Fund

I also use an intermediate term treasury fund for my bond allocation (along with an allocation to TIPS) based upon David Swensen's reasoning, which is basically the same as yours. I am comfortable that I'm not missing any advantage over a total bond fund.
by TdF fan
Tue Jun 09, 2015 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vangaurd Balanced and VXUS
Replies: 4
Views: 850

Re: Vangaurd Balanced and VXUS

I don't see any problem with it. It's basically a form of the Three Fund portfolio (with two of the components combined into one fund), so it sounds perfectly acceptable to me, although the answer to whether it is in taxable or not may lead you to splitting out the bond portion into tax-advantaged a...
by TdF fan
Tue Jun 09, 2015 1:31 pm
Forum: Investing - Theory, News & General
Topic: 9 Funds for a Rainy Day
Replies: 16
Views: 3985

Re: 9 Funds for a Rainy Day

Jack FFR1846 wrote:I assume one could reduce this fund's 0.23 ER by instead choosing 60% VTSAX and 40% VBTLX at 0.05% and 0.07%.


Or reduce it to 0.09% by buying Admiral shares.
by TdF fan
Tue Jun 09, 2015 11:54 am
Forum: Investing - Theory, News & General
Topic: 9 Funds for a Rainy Day
Replies: 16
Views: 3985

Re: 9 Funds for a Rainy Day

Interesting that it is not a fund-of-funds like LifeStrategy. It seems like a good choice for those who want to have automatic rebalancing and don't want the International exposure you get in the LifeStrategy funds.
by TdF fan
Mon Jun 08, 2015 9:04 am
Forum: Investing - Theory, News & General
Topic: TIPS Funds Yielding 6+%
Replies: 30
Views: 4256

Re: TIPS Funds Yielding 6+%

iShares TIPS etf is showing a SEC yield of 6.3% as of 04-Jun-2015, but a "real yield" of 0.26%. I saw this last week and thought it must be a typo, but it is still there. Apparently I don't understand tips and/or yield. I hope someone more knowledgeable can explain.
by TdF fan
Sun Jun 07, 2015 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Non-Emergency liquid funds -- where to keep for the medium term?
Replies: 15
Views: 2214

Re: Non-Emergency liquid funds -- where to keep for the medium term?

...intend to spend over the next 3-5 years... I'm also not sure if the online-only banks that pay barely 1% interest are worth it -- you're still below inflation, and with the lack of very quick access and transfer fees, it seems like a wash, or worse. I don't think two of your three objections are...
by TdF fan
Wed Jun 03, 2015 9:24 am
Forum: Investing - Theory, News & General
Topic: What is total return vs. dividend investing?
Replies: 79
Views: 9357

Re: What is total return vs. dividend investing?

Taylor, retiredjg, dbr - thanks for the replies. That helps to clarify the issue for me.
by TdF fan
Wed Jun 03, 2015 9:16 am
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 92
Views: 16905

Re: why do some people like Fidelity?

Oh yes, I've noticed the change. So much so that I have went back to using the old portfolio page. I don't know how long it will be before they take it away, but I will keep using it until they do. I always get a chuckle every time someone says how much better Fidelity's website is than Vanguard's. ...
by TdF fan
Tue Jun 02, 2015 10:39 pm
Forum: Investing - Theory, News & General
Topic: What is total return vs. dividend investing?
Replies: 79
Views: 9357

Re: What is total return vs. dividend investing?

If I could chime in and ask a question: Is the total vs. dividend debate mostly concerning taxable accounts and not really an issue for tax-advantaged accounts, or does it apply to both?
by TdF fan
Tue Jun 02, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 75983

Re: Free Windows 10 Upgrade, Yes or No?

I use Media Center extensively, so I will won't be upgrading right away. If I can find a good replacement within the free upgrade time frame of one year then I will, otherwise they can pry Win 7 from my cold, dead memory chips. :)
by TdF fan
Mon Jun 01, 2015 7:54 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 9299

Re: Which grocery stores do you shop at and why?

Kroger and Target, mainly because they are next to each other and I can get all my shopping done in (basically) one place. Occasionally I'll make a trip to Earthfare (next city over) for better fresh fruit and vegetables.
by TdF fan
Sat May 30, 2015 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Portfolio recommendation
Replies: 15
Views: 3784

Re: Vanguard Total Portfolio recommendation

I don't get Vanguard's recommendation for a low-yielding, long-duration hedged international bond fund in these models. I agree. I don't understand their recommendation either, but here is a paper where it seems to have all started. The main arguments seem to be better access (i.e. lower cost) in r...
by TdF fan
Fri May 29, 2015 10:36 am
Forum: Investing - Theory, News & General
Topic: Nice Financial Times Article about Vanguard
Replies: 9
Views: 2013

Re: Nice Financial Times Article about Vanguard

I think this is a link to the same article (I can't get past the registration page on FT):

http://nicosiamoneynews.com/2015/05/27/vanguards-commanding-position/
by TdF fan
Fri May 29, 2015 9:16 am
Forum: Investing - Theory, News & General
Topic: Bogleheads and international bonds
Replies: 13
Views: 2155

Re: Bogleheads and international bonds

I agree with your observations tc101. I think the change in thinking is undoubtedly because of Vanguard's embrace of them. I don't have international bonds mainly because I've been following David Swensen's advice in his book Unconventional Success and he didn't see a place for them in an US investo...
by TdF fan
Fri May 29, 2015 8:44 am
Forum: Forum Issues and Administration
Topic: My post printed twice
Replies: 7
Views: 2577

Re: My post printed twice

I don't think you can completely delete the duplicate post, but you can edit it. Click on the "Edit post" button in the upper right corner of your post (next to the "Report this post" button) and then delete the text of the message. I think it's customary to leave a note that you...