Search found 1699 matches

by sperry8
Wed Jan 16, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: Paperless and organizing document
Replies: 7
Views: 794

Re: Paperless and organizing document

I have tried to avoid having many paper documents in the past. Still I have some old and some new items that keeps coming in paper form. What is the bast scanner and a way to organize these documents. For example I have old tax returns from over 10 years ago. I know I am not required to keep them a...
by sperry8
Tue Jan 15, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 31272

Re:

david99 wrote:
Fri Feb 06, 2009 1:56 pm
Analyze This --- a very funny movie.
Agreed! And only mentioned once. DeNiro crying cracks me up every time.
by sperry8
Mon Jan 14, 2019 9:07 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Reviewing 2018’s Predictions
Replies: 2
Views: 516

Re: Larry Swedroe: Reviewing 2018’s Predictions

https://www.etf.com/sections/index-investor-corner/swedroe-31 2018 was the first year since Larry started doing this that the consensus predictions turned out to be more accurate than not. Dave Not sure how they call this a tie "Our seventh sure thing was that, with U.S. stock valuations high, the ...
by sperry8
Mon Jan 14, 2019 9:04 am
Forum: Investing - Theory, News & General
Topic: Vanguard factor funds slow to catch on
Replies: 86
Views: 10645

Re: Vanguard factor funds slow to catch on

Well, they seem to be marketing at least one of these multifactors to us now (VFLQ): https://www.etf.com/sections/etf-industry-perspective/vanguard-liquidity-factor-investings-hidden-gem What would the benchmark be for that fund? Mid Cap? Can't even do a comparison on M* via the chart function - doe...
by sperry8
Mon Jan 14, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: PNC 2.35% online savings
Replies: 13
Views: 1613

Re: PNC 2.35% online savings

susa wrote:
Mon Jan 14, 2019 7:53 am
https://www.doctorofcredit.com/high-int ... gs-to-get/

Currently, we use EBSB which pays 2.50%
+1. Although EBSB is no longer offering that rate to new customers. I also have VG Prime MM as my backup account @ 2.45% APY. CIT Bank also offers 2.45% APY if you prefer FDIC insurance.
by sperry8
Thu Jan 10, 2019 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Lively HSA
Replies: 14
Views: 1275

Re: Fidelity vs. Lively HSA

Any point in saving the receipts vs the credit card transaction? Is it ultimately for the IRS in case of audit? Why even print and scan if you can take screenshots and upload to cloud? Why even bother at all, I think I'd prefer the dedicated CC route. The least BS from my point of view. I'm not pla...
by sperry8
Wed Jan 09, 2019 5:54 pm
Forum: Investing - Theory, News & General
Topic: Savings accounts
Replies: 11
Views: 1586

Re: Savings accounts

I have over 15 savings accounts. I use them for multiple reasons (some are older accounts opened when the bank offered a high interest rate). As their rates became uncompetitive, I left them open with a dollar in them - in case they become competitive in the future. Second, each account is only FDI...
by sperry8
Mon Jan 07, 2019 2:14 pm
Forum: Investing - Theory, News & General
Topic: Savings accounts
Replies: 11
Views: 1586

Re: Savings accounts

I have over 15 savings accounts. I use them for multiple reasons (some are older accounts opened when the bank offered a high interest rate). As their rates became uncompetitive, I left them open with a dollar in them - in case they become competitive in the future. Second, each account is only FDIC...
by sperry8
Sun Jan 06, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: USPS price increase on 1/27/19
Replies: 74
Views: 6638

Re: USPS price increase on 1/27/19

99.99% of items I am mailing are not sold on eBay and paid with Paypal. So the discount via Paypal is not applicable. I am not doing this as a business. In the future I may make this a business by buying at auctions and turning around and selling them on eBay. . Not correct. You can generate a post...
by sperry8
Sat Jan 05, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 15607

Re: If riskier than US, why doesn't international outperform?

I always find it interesting to note when posts pop up. This post questioning Int'l vs US pops up after a decade of underperformance. Similar threads pop up re Value when it was outperforming. Now everyone thinks the tilt alpha is gone. I recall ~12-14 years ago when Int'l was beating (both VINEX a...
by sperry8
Fri Jan 04, 2019 2:49 pm
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 15607

Re: If riskier than US, why doesn't international outperform?

I always find it interesting to note when posts pop up. This post questioning Int'l vs US pops up after a decade of underperformance. Similar threads pop up re Value when it was outperforming. Now everyone thinks the tilt alpha is gone. I recall ~12-14 years ago when Int'l was beating (both VINEX a...
by sperry8
Fri Jan 04, 2019 9:01 am
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 15607

Re: If riskier than US, why doesn't international outperform?

I always find it interesting to note when posts pop up. This post questioning Int'l vs US pops up after a decade of underperformance. Similar threads pop up re Value when it was outperforming. Now everyone thinks the tilt alpha is gone. I recall ~12-14 years ago when Int'l was beating (both VINEX an...
by sperry8
Thu Jan 03, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: Purchased eBay item, now listing show Out of Stock
Replies: 14
Views: 832

Re: Purchased eBay item, now listing show Out of Stock

What is this obsession? Once you purchase the item, wait the normal 2-3 days for it to ship. If you don't receive it, the next day you can file a Item Not Received. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=268492 I find it unusual the listing that I purchased has this verbiage, that's ...
by sperry8
Tue Jan 01, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Purchased eBay item, now listing show Out of Stock
Replies: 14
Views: 832

Re: Purchased eBay item, now listing show Out of Stock

DTalos wrote:
Tue Jan 01, 2019 3:45 pm
I purchased an item on eBay and when I go to the listing, instead of saying "sold", it says "out of stock." Is this normal?
Yes, it's normal if they only have one item for sale. You bought it - so now it's out of stock.
by sperry8
Tue Jan 01, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: Credit ID hacked, got $4900 T-Mobile bill
Replies: 8
Views: 1287

Re: Credit ID hacked, got $4900 T-Mobile bill

There is another credit bureau that deals with telecommunications; it may be too late to freeze your report with them now, but it couldn't hurt... https://www.nctue.com/Consumers Also look at Chex https://www.chexsystems.com/web/chexsystems/consumerdebit/page/securityfreeze/placefreeze and Innovis ...
by sperry8
Tue Jan 01, 2019 1:03 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2299
Views: 400094

Re: What are you up YTD? [Year To Date]

J G Bankerton wrote:
Tue Jan 01, 2019 1:00 pm
Toons wrote:
Tue Jan 01, 2019 12:33 pm
The portfolio number is greater than it was 12 months ago.
Me too, I'm up 10.02% total amount for 2018.
What are you invested in to achieve those results? I don't know of any sector that was up 10% in 2018.
by sperry8
Tue Jan 01, 2019 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Anyone else in frontier markets?
Replies: 31
Views: 1546

Re: Anyone else in frontier markets?

I've been waiting to get in for years. My trigger will be when the USD stops rising. That may happen later in 2019 or 2020. The USD swings between strength and weakness every 5-7 years. We're coming near that period soon.
by sperry8
Tue Jan 01, 2019 11:18 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2299
Views: 400094

Re: What are you up YTD? [Year To Date]

M* shows me down 9.11%. Sounds about right. But that doesn't include interest income from cash portion, so it's not that # exactly. But that is my equity/bond portion returns (~70% of portfolio). Only one fund I own was up, Vanguard Health Care Admiral (up .9%). Everything else down, foreign, mcv, &...
by sperry8
Mon Dec 31, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Change in Equifax credit report - but wasn't me
Replies: 17
Views: 1250

Re: Change in Equifax credit report - but wasn't me

But then I won't receive any credit card offers - and I utilize those offers to get new credit I have my credit frozen and I get credit card offers in the mail all the time. +1. Me too. Got three new offers in the mail last week. It's simply not true that freezing your credit also freezes new credi...
by sperry8
Mon Dec 31, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Change in Equifax credit report - but wasn't me
Replies: 17
Views: 1250

Re: Change in Equifax credit report - but wasn't me

If you're aware that you have lost your credit information due to a data breach, why haven't you locked your credit yet? It is free by law at all three major credit reporting agencies. A monitoring service only tells you that someone is breaching your credit or opening accounts in your name. At tha...
by sperry8
Mon Dec 31, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Change in Equifax credit report - but wasn't me
Replies: 17
Views: 1250

Re: Change in Equifax credit report - but wasn't me

I would call American Express customer service and tell them what you have shared here. If they can’t verify a new account number and explain why this happened have them transfer you to the fraud department. Cheers I called and they said it was related to an account closing I made a few months ago....
by sperry8
Mon Dec 31, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Change in Equifax credit report - but wasn't me
Replies: 17
Views: 1250

Re: Change in Equifax credit report - but wasn't me

If you're aware that you have lost your credit information due to a data breach, why haven't you locked your credit yet? It is free by law at all three major credit reporting agencies. A monitoring service only tells you that someone is breaching your credit or opening accounts in your name. At tha...
by sperry8
Sun Dec 30, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Change in Equifax credit report - but wasn't me
Replies: 17
Views: 1250

Change in Equifax credit report - but wasn't me

I received a notice today from a credit monitoring service I received for free (due to an online breach). They claimed there was a change from American Express and showed an account number that isn't mine. Does this mean someone has fraudulently opened up credit in my name? What should I do?
by sperry8
Sun Dec 30, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Best online banking accounts?
Replies: 48
Views: 4998

Re: Best online banking accounts?

In my opinion, the best option is a Fidelity CMA account, though it's not a bona fide checking account, rather a brokerage account with checking features. Here's why I think it's the best: 1) 100% free. No fees. No minimums. 2) You can purchase Fidelity Money Market funds, which Fidelity considers ...
by sperry8
Sat Dec 29, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Best place to park funds needed in one year
Replies: 13
Views: 1260

Re: Best place to park funds needed in one year

For some reason Vanguard won't let me chose VMMXX as my settlement account. It may be I do not have enough in the portfolio yet. You can't use it as your settlement account. You have to purchase shares like a mutual fund. Exactly. But I buy/sell shares of Prime and keep all monies in Prime (and jus...
by sperry8
Sat Dec 29, 2018 5:38 pm
Forum: Investing - Theory, News & General
Topic: ableBanking 1 and 2 Year CDs are among highest APY
Replies: 11
Views: 1256

Re: ableBanking 1 and 2 Year CDs are among highest APY

Able Banking is an annoying bank. Every single time I travel outside of my home state and log into Able - I get a phone call and email from their "security" department telling me to call them immediately. I do only to find out they think it was someone else trying to access my account. I'm on Xmas ...
by sperry8
Sat Dec 29, 2018 5:21 am
Forum: Investing - Theory, News & General
Topic: ableBanking 1 and 2 Year CDs are among highest APY
Replies: 11
Views: 1256

Re: ableBanking 1 and 2 Year CDs are among highest APY

Able Banking is an annoying bank. Every single time I travel outside of my home state and log into Able - I get a phone call and email from their "security" department telling me to call them immediately. I do only to find out they think it was someone else trying to access my account. I'm on Xmas h...
by sperry8
Sat Dec 29, 2018 5:17 am
Forum: Investing - Help with Personal Investments
Topic: What do you do with dividends?
Replies: 51
Views: 4440

Re: What do you do with dividends?

Since I am still accumulating, dividends are money to be reinvested, in the appropriate fund. I take them in cash so that I can determine the appropriate fund; if I am overweighted in US stock, I don't want the dividend from Total Stock Market to go back into that fund. I leave the December dividen...
by sperry8
Wed Dec 26, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: eBay Sellers Ratings and Avoidance
Replies: 4
Views: 545

Re: eBay Sellers Ratings and Avoidance

Also - be careful. Ratings are not all they are cracked up to be. I left negative feedback for a power seller due to the fact that they sent an item that was not as described (claimed "new with tags" but item received had no tags). The power seller contacted me and told me either to change my review...
by sperry8
Tue Dec 25, 2018 1:09 am
Forum: Investing - Help with Personal Investments
Topic: I believe I underestimated my risk tolerance
Replies: 35
Views: 4717

Re: I believe I underestimated my risk tolerance

Aim for the "sleep well" asset allocation the two words are self explanatory :happy Yup, I learned this from 08/09 too. And it doesn't have to be a huge difference. For me 80/20 kept me up nights. 70/30 does not. So I keep my AA at that level. OP - going through this experience will help you figure...
by sperry8
Mon Dec 24, 2018 10:59 pm
Forum: Investing - Theory, News & General
Topic: Are we officially in bear market ?
Replies: 79
Views: 9739

Re: Are we officially in bear market ?

Jimsad wrote:
Mon Dec 24, 2018 8:55 pm
Some cable channels declared S&P 500 officially entered bear market today .
Is this correct ?
basis points either way... so I'd say yes for the S&P 500. The Russell 2000 is surely in a bear market as are International Stocks.
by sperry8
Sat Dec 22, 2018 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: [Vanguard Health Care Fund vs. Health Care ETF]
Replies: 18
Views: 2002

Re: Vanguard Active Health Care Fund vs. Health Care ETF

Thank you for your comments, but (with due respect) I disagree with your argument vehemently. It is not proper to compare Healthcare (active) against the S&P 500. In fact, that would be even more misleading than my error above which was brought to light by EyeDee. VGHAX owns foreign and solely one ...
by sperry8
Sat Dec 22, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: When is the next all time high? An historical perspective
Replies: 15
Views: 2078

Re: When is the next all time high? An historical perspective

A new rule of thumb emerged from this: whenever was the last ATH, expect at least the same duration until the next. In 50% of cases, you'll have to wait longer, sometimes much longer. So be patient, don't peek, things get worse before they get better, and in the end don't focus solely on price as d...
by sperry8
Sat Dec 22, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: [Vanguard Health Care Fund vs. Health Care ETF]
Replies: 18
Views: 2002

Re: Vanguard Active Health Care Fund vs. Health Care ETF

. Sperry8, Another thing to keep in mine while deciding whether to switch from the Active fund to the Index fund or its ETF is that they have considerably different allocation targets. Although the Portfolio and Management tab for both funds on the Vanguard web site only has a dash for the foreign ...
by sperry8
Sat Dec 22, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: [Vanguard Health Care Fund vs. Health Care ETF]
Replies: 18
Views: 2002

Re: [Vanguard Health Care Fund vs. Health Care ETF]

I'll jump on this old thread since this pertains to my question. I've been a holder of Vanguards (active) Health care fund (VGHAX) for decades. It used to outperform when Ed Owens was the manager but since he retired it is losing against the index fund. Now that the market is down my cap gains are g...
by sperry8
Mon Dec 17, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: Anybody have experience with EBSB direct? 2.5% Savings
Replies: 2
Views: 274

Re: Anybody have experience with EBSB direct? 2.5% Savings

I opened an account with them the first time they offered the 2.5% APY acct. Was easy to open and manage online. Took all of 5 minutes. They then discontinued the 2.5% APY rate but rate locked those of us who opened it until June 30, 2019. Obviously the 2.5% APY is back again. Easy money. Go get it.
by sperry8
Mon Dec 17, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: How to TLH VPMCX(Vanguard PRIMECAP)
Replies: 2
Views: 275

Re: How to TLH VPMCX(Vanguard PRIMECAP)

Since they cap us at $25k per year, I'd imagine not. Can you though sell PRIMECAP and buy $25k of Cap Opp? Same team - similar funds. That way you TLH and stay with the same team til you can buy PRIMECAP again. Also - I wouldn't sell all shares... keep at least 1 share so you can buy back in again in.
by sperry8
Fri Dec 14, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: Fisher Investments
Replies: 20
Views: 2858

Re: Fisher Investments

I was a former client. As others have stated, you can search Bogleheads for more threads on the topic (including my review of their firm via the first link provided). https://www.bogleheads.org/forum/viewtopic.php?t=63502 https://www.bogleheads.org/forum/viewtopic.php?t=187588 https://www.bogleheads...
by sperry8
Fri Dec 14, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19522

Re: Favorite Purchase of 2018?

A pair of refurbished Sonos Play bluetooth speakers. Love these guys! Play all my music off my phone now and it sounds great.
by sperry8
Tue Dec 11, 2018 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Made an unwise investment, help solicited
Replies: 41
Views: 3581

Re: Made an unwise investment, help solicited

Note that short-term capital gains distributions are not offset by capital losses. Some of us found that out with VSS a few years ago. But if you have short-term losses they should offset short term gains, yes? It is my understanding that it's long term losses that cannot be used to offset short......
by sperry8
Mon Dec 10, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Made an unwise investment, help solicited
Replies: 41
Views: 3581

Re: Made an unwise investment, help solicited

Note that short-term capital gains distributions are not offset by capital losses. Some of us found that out with VSS a few years ago. But if you have short-term losses they should offset short term gains, yes? It is my understanding that it's long term losses that cannot be used to offset short......
by sperry8
Mon Dec 10, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Made an unwise investment, help solicited
Replies: 41
Views: 3581

Re: Made an unwise investment, help solicited

So I probably should have cost averaged into this account instead of all at once. Mistake one. Mathematically this wasn't a mistake. Only in hindsight it was. It is generally better from a return standpoint to be in the market as soon as possible. Stocks go up more often than they go down. So while...
by sperry8
Mon Dec 10, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: Who is buying SCV, EM, Intl SC
Replies: 41
Views: 2774

Re: Who is buying SCV, EM, Intl SC

I am not buying those - but am considering selling some S&P 500 Index and/or other US stocks that have done quite well. No way I'll sell SCV, EM or Int'l down like this. These things are cyclical and those classes will have their day. It would be pointless to overweight SCV (for example) if you're g...
by sperry8
Mon Dec 10, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: Tax ramification question
Replies: 12
Views: 1231

Re: Tax ramification question

You’ll need to pay the taxes via estimated payments, withholdings (could be from a W2 job) or meet certain requirements (90% of tax withheld or 100/110% of last years tax bill withheld) or you’ll face a penalty. Right. One must understand the safe harbor rules when it comes to paying taxes. A quart...
by sperry8
Sat Dec 08, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: HSA transfer from one custodian to another
Replies: 5
Views: 578

Re: HSA transfer from one custodian to another

Re: (1) Can we move our funds from Optum to Fidelity - although Fidelity is not our current custodian. I tried to move my cash and investments ie 'transfer inkind' from Optum Bank to Fidelity and could not-need to sell positions first, has to be all cash to move from Optum to Fidelity. You might wa...
by sperry8
Sat Dec 08, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 12077

Re: 20M Inheritance - What is best option for small/no risk on principal?

Nate79 wrote:
Sat Dec 08, 2018 9:13 am
Only on BH would someone say $20M is not a lot. It would put someone well into the 99.5+% percentile of net worth in the US.
Agreed. Stunning statement imo. Perhaps time for a book on perspective and some global travel to regain humble nature.
by sperry8
Sat Dec 08, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: Tax ramification question
Replies: 12
Views: 1231

Re: Tax ramification question

The CPA is probably looking for a possible wash sale of something you sold in the prior year. Also, your statement is correct about taxes being due other than the possibility you may need to increase withholding or make estimated payments as a result of the sale. Gill Great, thank you. I figured ta...
by sperry8
Sat Dec 08, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Tax ramification question
Replies: 12
Views: 1231

Tax ramification question

This may be an obvious q/a, but just to double check: If I sell a mutual fund on the first day of 2019, any cap gains taxes would be due in 2020 for such a sale, correct? For example, I sell a fund on Jan 2, 2019. I would pay cap gains due with my taxes filed on Apr 15, 2020, correct? Or? For some r...
by sperry8
Sat Dec 08, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: What's Your Personal Inflation Rate?
Replies: 38
Views: 2582

Re: What's Your Personal Inflation Rate?

I agree with the OP - my personal inflation rate is trending negative. While some things are up (HC premiums & groceries) most for me are down (shopping, insurance, travel (flat), rent, car). Overall the trend is negative over the past 10 years. I suppose that could change if an illness struck - bu...