Search found 3145 matches

by CyberBob
Wed Sep 18, 2019 10:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard said to offer Digital Advisory Service [Robo-Advisor]
Replies: 85
Views: 6839

Re: Vanguard said to offer Digital Advisory Service

From the brochure: In particular, Digital Advisor will recommend varying combinations of Vanguard Total Stock Market ETF, Vanguard Total International Stock Market ETF, Vanguard Total Bond Market Index ETF, and Vanguard Total International Bond Index ETF (collectively referred to as the “Four Totals...
by CyberBob
Sun Sep 01, 2019 4:58 pm
Forum: Investing - Theory, News & General
Topic: Dr. Bill Bernstein: Next "Bogleheads on Investing" podcast guest
Replies: 56
Views: 5252

Re: Dr. Bill Bernstein: Next "Bogleheads on Investing" podcast guest

Can you get the podcasts as text, a pdf, or some written form. I prefer to read...not listen. Many thanks! I believe someone may have volunteered to convert to text. If not, can we count on you to do it for the forum? :beer Rick Ferri Looks like the internet can do it: https://podcasttranscribe.com/
by CyberBob
Fri Aug 23, 2019 10:52 pm
Forum: Investing - Theory, News & General
Topic: Anybody else's Fidelity accounts zeroed out?
Replies: 44
Views: 4518

Re: Anybody else's Fidelity accounts zeroed out?

My account is now back to normal.
by CyberBob
Fri Aug 23, 2019 10:37 pm
Forum: Investing - Theory, News & General
Topic: Anybody else's Fidelity accounts zeroed out?
Replies: 44
Views: 4518

Re: Anybody else's Fidelity accounts zeroed out?

$0.00 here too.
I’m assuming it’s in conjunction with the daily update of stuff and will clear up soon.
I’ve never had it happen at Fidelity, but I’ve seen it happen in my Vanguard account before as well as at my bank.
by CyberBob
Tue Aug 20, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Bed/frame recommendations
Replies: 6
Views: 842

Re: Bed/frame recommendations

applecart wrote:
Tue Aug 20, 2019 1:17 am
2. Do you know of any frames that come with a solid surface (as opposed to slats)- this way I could bypass using a separate plank of wood
Thanks!
I’ve always liked the Floyd platform bed: https://floydhome.com/products/the-floy ... olor=White
by CyberBob
Mon Aug 12, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Anyone been to a Kevin O'Leary event???
Replies: 22
Views: 3341

Re: Anyone been to a Kevin O'Leary event???

It seems he has his own line of O’shares ETF’s
https://oshares.com/
by CyberBob
Wed Aug 07, 2019 11:03 am
Forum: Investing - Theory, News & General
Topic: What's wrong with the Sharpe ratio?
Replies: 11
Views: 1009

Re: What's wrong with the Sharpe ratio?

I’ve always preferred the Sortino ratio. Sharpe ratio treats upside and downside volatility equally, while Sortino focuses on the downside. Who is terribly bothered by upside volatility? :D
by CyberBob
Mon Jun 24, 2019 10:14 pm
Forum: Investing - Theory, News & General
Topic: Dollar General
Replies: 26
Views: 2581

Re: Dollar General

Planet Money recently had an interesting podcast about dollar stores. Four new dollar stores will open in the U.S. every single day of 2019. That's a new dollar store every six hours. There are more dollar stores than there are Walmarts, McDonald's and CVS stores combined. And they are setting up i...
by CyberBob
Thu Jun 20, 2019 1:36 pm
Forum: Investing - Theory, News & General
Topic: Volatility Managed Portfolio
Replies: 15
Views: 1435

Re: Volatility Managed Portfolio

A related interesting paper: Adaptive Asset Allocation: A Primer.
by CyberBob
Mon Jun 17, 2019 11:45 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 189
Views: 54116

Re: NE Ohio (Cleveland Area) Master Thread

Pete,

Are you familiar with The White Coat Investor?
He’s a fellow Boglehead physician. Lots of good stuff on his website and in his book.
by CyberBob
Mon Jun 03, 2019 3:31 pm
Forum: Investing - Theory, News & General
Topic: Two books coming in.
Replies: 12
Views: 1977

Re: Two books coming in.

Both those Bernstein books are worth reading eventually, but I wouldn’t rush to read them now. If you’ve read Bernstein’s If You Can , I’d continue on with the book recommendations in there. The Millionaire Next Door was first (which you’ve read), next up is John Bogle’s Common Sense on Mutual Funds .
by CyberBob
Wed May 29, 2019 6:44 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 146
Views: 34590

Re: Bill Sharpe's preferred portfolio

30 April 2019 FTSE numbers (in millions of USD): 29,060,787 - U.S. stocks - FTSE Global All-Cap index, U.S. breakdown 23,825,053 - ex U.S. stocks - FTSE Global All-Cap index minus U.S. 20,786,120 - U.S. bonds - FTSE US Broad Investment-Grade index 18,465,210 - ex U.S. bonds - FTSE World Broad Invest...
by CyberBob
Sat May 25, 2019 10:45 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 14880

No more print Money magazine

Many of us probably got some of our initial interest in investing from reading Money magazine. Sadly, the June/July 2019 issue is going to be the last one in print.

https://www.seattletimes.com/business/w ... -on-alert/
by CyberBob
Fri May 24, 2019 10:57 pm
Forum: Investing - Theory, News & General
Topic: 4 Seasons Portfolio
Replies: 40
Views: 4663

Re: 4 Seasons Portfolio

Bill Bernstein had an interesting article about the Permanent Portfolio on his Efficient Frontier site a while back: http://www.efficientfrontier.com/ef/0adhoc/harry.htm
by CyberBob
Mon Apr 29, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 196
Views: 22866

Re: Man’s life savings stolen from hijacked cellphone number

But even in the event that physical access was required (ie the attack was actually swapping the physical SIM into a different phone), how exactly would a password lock prevent them from sticking a paperclip into the little hole and taking your SIM card out? You can also PIN lock the physical SIM c...
by CyberBob
Sun Apr 21, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Credit and Debit card safety
Replies: 26
Views: 1545

Re: Credit and Debit card safety

But if I used the credit card for every little purchase, would the credit card bill be so big and confusing that I might not notice fraudulent charges? That's actually why I've started using cash more often. I hated at the end of the month to get a pages-long credit card bill and then feeling like ...
by CyberBob
Sun Apr 21, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Credit and Debit card safety
Replies: 26
Views: 1545

Re: Credit and Debit card safety

But if I used the credit card for every little purchase, would the credit card bill be so big and confusing that I might not notice fraudulent charges? That's actually why I've started using cash more often. I hated at the end of the month to get a pages-long credit card bill and then feeling like ...
by CyberBob
Thu Mar 21, 2019 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard ETF US Gov Obligations
Replies: 1
Views: 264

Re: Vanguard ETF US Gov Obligations

* This information applies to all share classes of a fund.

The ETF’s are just another share class.

Also check out funds on the list like Extended Duration Treasury (EDV). That is ETF only, with no traditional fund class, but it’s on the list.
by CyberBob
Wed Mar 20, 2019 11:32 am
Forum: Investing - Theory, News & General
Topic: Three-Fund Portfolio (2nd Grader's) vs S&P 500
Replies: 39
Views: 3969

Re: Three-Fund Portfolio (2nd Grader's) vs S&P 500

My favorite investing quote is from Larry Swedroe, who wisely said ”Don’t confuse strategy with outcome”
by CyberBob
Sun Mar 17, 2019 6:46 pm
Forum: Investing - Theory, News & General
Topic: Favorite investment quote
Replies: 73
Views: 4435

Re: Favorite investment quote

Don’t confuse strategy and outcome.
— Larry Swedroe
by CyberBob
Sun Mar 10, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: PC Games
Replies: 32
Views: 2764

Re: PC Games

My favorite turn-based strategy game is The Battle for Wesnoth, even though I stink at it :D
by CyberBob
Sun Mar 10, 2019 10:44 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 146
Views: 34590

Re: Bill Sharpe's preferred portfolio

28 February 2019 FTSE numbers (in millions of USD): 27,703,759 - U.S. stocks - FTSE Global All-Cap index, U.S. breakdown 23,189,088 - ex U.S. stocks - FTSE Global All-Cap index minus U.S. 20,064,990 - U.S. bonds - FTSE US Broad Investment-Grade index 18,682,060 - ex U.S. bonds - FTSE World Broad Inv...
by CyberBob
Sat Mar 02, 2019 10:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard's march toward paperless
Replies: 4
Views: 810

Vanguard's march toward paperless

An interesting bit of news in the latest Vanguard Annual Reports regarding the trend towards paperless: Important information about access to shareholder reports Beginning on January 1, 2021, as permitted by regulations adopted by the Securities and Exchange Commission, paper copies of your fund’s a...
by CyberBob
Wed Feb 27, 2019 7:14 pm
Forum: Personal Investments
Topic: David Swensen Bond ETFs
Replies: 7
Views: 595

Re: David Swensen Bond ETFs

Back in 2006, Boglehead poster Rich emailed Swensen directly to ask for clarification regarding bond maturity/duration. His response: Thank you for your nice message - In response to your question about the bond portfolio, I would try to match the market characteristics... So, for the treasury porti...
by CyberBob
Fri Feb 15, 2019 11:34 am
Forum: Personal Investments
Topic: VT Total World Stock ETF and the Foreign Tax Credit Pinch Out
Replies: 20
Views: 3972

Re: VT Total World Stock ETF and the Foreign Tax Credit Pinch Out

Foreign tax credit information for Total World for 2018: https://advisors.vanguard.com/VGApp/iip ... ldFund2018
Your 1099 will show actual amount of foreign tax, foreign income, and QDI eligible foreign income.
by CyberBob
Thu Feb 14, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: How to live well in retirement below the poverty line (not pay taxes)
Replies: 48
Views: 6689

Re: How to live well in retirement below the poverty line (not pay taxes)

susa wrote:
Thu Feb 14, 2019 8:33 am
More ideas http://forum.gocurrycracker.com/index.php
Here's a specific post from GoCurryCracker: Never Pay Taxes Again.

Basic points:
- Choose leisure over labor
- Live well for less
- Leverage Roth IRA Conversions
- Harvest Capital Losses AND Capital Gains
by CyberBob
Fri Feb 01, 2019 3:50 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Dozens of Advisers Face Claims of Overcharging for Mutual Funds
Replies: 4
Views: 1323

Re: WSJ: Dozens of Advisers Face Claims of Overcharging for Mutual Funds

You gotta love it when they still charge a 12b-1 fee (a marketing fee) for funds that are closed to new investors. :oops:
by CyberBob
Thu Jan 31, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: Use of DAC
Replies: 11
Views: 857

Re: Use of DAC

If you're talking about something like a CD player, the internal DAC connects to the analog player outputs and then to your preamp or receiver or whatever. If you are going to use an external DAC it gets hooked up to the digital output of the player, which can be one of several type of connectors, i...
by CyberBob
Thu Jan 31, 2019 12:22 am
Forum: Personal Investments
Topic: Sector allocation in Vanguard TSM vs sector portolio of ETFs?
Replies: 4
Views: 277

Re: Sector allocation in Vanguard TSM vs sector portolio of ETFs?

There are 11 sectors.
You only list 8.
Why ignore the other 3 altogether?
by CyberBob
Mon Jan 28, 2019 3:53 pm
Forum: Forum Issues and Administration
Topic: Earliest “Joined “ Date
Replies: 7
Views: 916

Re: Earliest “Joined “ Date

nisiprius wrote:
Mon Jan 28, 2019 3:31 pm
How is it possible that you don't get to Alex Frakt, "Founder," until the fifth page? I.e. he isn't even one of the first hundred members.
Don't forget Phoenix.
viewtopic.php?f=3&t=3
by CyberBob
Wed Jan 23, 2019 11:36 pm
Forum: Investing - Theory, News & General
Topic: Does minimum volatility give better returns?
Replies: 24
Views: 2905

Re: Does minimum volatility give better returns?

...I also have checked before S&P500 ETF vs. S&P500 Minimum Volatility ETF's and there the difference was minimal. That may be because they’re both denominated in the same currency. I don’t know about Euro denominated global minimum volatility funds, but if you look at the US dollar denominated one...
by CyberBob
Mon Jan 21, 2019 6:22 pm
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 52
Views: 5210

Re: One Fund to Rule Them All

Her plan sounds exactly like what Burton Malkiel and Charles D. Ellis recommend in their book The Elements of Investing.

https://www.kiplinger.com/article/inves ... folio.html
by CyberBob
Sat Jan 19, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 146
Views: 34590

Re: Bill Sharpe's preferred portfolio

December 31 2018 FTSE numbers (in millions of USD): 24,755,128 - U.S. stocks - FTSE Global All-Cap index, U.S. breakdown 21,226,260 - ex U.S. stocks - FTSE Global All-Cap index minus U.S. 20,005,980 - U.S. bonds - FTSE US Broad Investment-Grade index 18,167,100 - ex U.S. bonds - FTSE World Broad Inv...
by CyberBob
Wed Jan 02, 2019 4:43 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 146
Views: 34590

Re: Bill Sharpe's preferred portfolio

Any idea why your bond numbers differ from Vanguard Total World Bond ETF (BNDW)? They put international at 52.8%. https://investor.vanguard.com/etf/profile/portfolio/bndw Two possible reasons. First, different index providers. Sharpe suggests Citi indexes (now part of FTSE) since the numbers are pu...
by CyberBob
Wed Jan 02, 2019 4:18 pm
Forum: Personal Investments
Topic: VG advises 15% International Bonds (VTABX)... Why?
Replies: 48
Views: 4799

Re: VG advises 15% International Bonds (VTABX)... Why?

...(and lower yields)... Don't forget to factor in the currency hedging. According to Morningstar, the hedging has added 3 percentage points a year to its return. And its returned more than Total (U.S.) Bond since its inception (5/31/2013). http://quotes.morningstar.com/chart/fund/chart?t=VTABX®...
by CyberBob
Tue Dec 18, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 42533

Re: Mr. Money Mustache, SWR, and equity allocation

Bill Bernstein's Efficient Frontier article The Retirement Calculator From Hell, Part I is worth a read here regarding 4-5% adjusted/fixed withdrawal amounts.

http://www.efficientfrontier.com/ef/998/hell.htm
by CyberBob
Tue Dec 18, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 146
Views: 34590

Re: Bill Sharpe's preferred portfolio

I will have to look back to search through the thread to see where this data comes from, but extracting it here is very valuable - thank you. For stocks, click the Global All Cap link under the Factsheets section here: https://www.ftse.com/products/indices/geis-series?_ga=2.203951891.2062908168.154...
by CyberBob
Mon Dec 17, 2018 2:00 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 146
Views: 34590

Re: Bill Sharpe's preferred portfolio

November 30, 2018 FTSE numbers (in millions of USD): 27,519,857 - U.S. stocks - FTSE Global All-Cap index, U.S. breakdown 22,250,385 - ex U.S. stocks - FTSE Global All-Cap index minus U.S. 19,633,480 - U.S. bonds - FTSE US Broad Investment-Grade index 17,823,240 - ex U.S. bonds - FTSE World Broad In...
by CyberBob
Mon Dec 03, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: Rules of thumb for allocation/exposure
Replies: 29
Views: 2446

Re: Rules of thumb for allocation/exposure

‘Age in bonds’ seems to imply a precision in asset allocation that doesn’t actually exist.

I’ve always preferred Bogle’s more general allocation advice:

Image
by CyberBob
Mon Dec 03, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: Big endowments don't beat simple 60/40 over 10 yrs.
Replies: 25
Views: 3374

Re: Big endowments don't beat simple 60/40 over 10 yrs.

The performance of Ivy League endowments has trailed a passive portfolio of 60 percent U.S. stocks and 40 percent bonds over the past ten years — and has been more volatile to boot, according to a new report from research and analytics provider Markov Processes International. Evelyn How useful is t...
by CyberBob
Sun Dec 02, 2018 8:32 am
Forum: Investing - Theory, News & General
Topic: foreign tax credit
Replies: 12
Views: 1040

Re: foreign tax credit

From IRS Publication 514: Your foreign tax credit cannot be more than your total U.S. tax liability (Form 1040, line 44) multiplied by a fraction. The numerator of the fraction is your taxable income from sources outside the United States. The denominator is your total taxable income from U.S. and f...
by CyberBob
Mon Nov 12, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 3123

Re: How long have you had, or did you have, your HP-12C calculator?

I've had an HP-11C since 1983, so 35 years.
Still works like it did day one. Built like a tank.
RPN FTW!
by CyberBob
Thu Nov 08, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 146
Views: 34590

Re: Bill Sharpe's preferred portfolio

October 31st FTSE numbers (in millions of USD): 27,114,191 - U.S. stocks - FTSE Global All-Cap index, U.S. breakdown 22,090,263 - ex U.S. stocks - FTSE Global All-Cap index minus U.S. 19,567,750 - U.S. bonds - FTSE US Broad Investment-Grade index 17,781,160 - ex U.S. bonds - FTSE World Broad Investm...
by CyberBob
Thu Nov 01, 2018 10:02 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 189
Views: 54116

Re: NE Ohio (Cleveland Area) Master Thread

Unfortunately, I also had to miss October's meeting.
When is the next December meeting? December 8th?
by CyberBob
Thu Nov 01, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: David Swensen Unconventional Success
Replies: 123
Views: 13263

Re: David Swensen Unconventional Success

...What about other asset classes that may not have been as accessible in a low cost format when the book was published such as International REITs (i.e. Swensen recommend a large allocation to REITs in general and a larger (at the time) international allocation), International Bonds, etc. As far a...
by CyberBob
Wed Oct 31, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 65
Views: 5763

Re: USPS - Informed delivery - complain on missing items?

Yes, I file a missing item report if something doesn’t show up. Has anything ever come of it? I clicked the report missing mail link once but never got any follow-up. Same here, except I heard back a few months later stating they couldn't find it and were closing the case. My fault for wasting my t...