Search found 3011 matches

by CyberBob
Mon Apr 24, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Best Place to Park Over $1m in Cash
Replies: 28
Views: 2488

Re: Best Place to Park Over $1m in Cash

Is it a certainty that Vanguard will immediately process a seven-figure purchase order - even for a money market fund? Vanguard has a list of large transaction limits by fund. For some funds it's as low as $100k, but for money markets it is $50 mil. https://advisors.vanguard.com/VGApp/iip/site/advi...
by CyberBob
Sat Apr 22, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: IRS refund today!
Replies: 43
Views: 3333

Re: IRS refund today!

E-filed on March 19. A couple weeks later I got a letter instructing me to call the IRS to verify my identity. Did that within a couple days and the guy on the phone said it could take up to another nine weeks for the refund to arrive. That happened to me last year. The good news was that they said...
by CyberBob
Fri Apr 21, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 21
Views: 4722

Re: Bill Sharpe's preferred portfolio

What is the reason for discrepancy between your and SIFMA source data ? Sharpe talks in the video about the indexes that the Vanguard funds follow. Essentially, they simply aren't quite as total as the SIFMA numbers. For example, the funds don't include municipal bonds or money markets. SIFMA does,...
by CyberBob
Tue Apr 18, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 21
Views: 4722

Re: Bill Sharpe's preferred portfolio

Note: For the bond indexes, I used the market-value numbers rather than the par-value numbers. Hmmm, thinking about it, I wonder if Par Value wouldn't be a better number to use. Especially since the bonds aren't going to be sold now at their market values, but rather held long-term until maturity a...
by CyberBob
Mon Apr 17, 2017 1:16 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 21
Views: 4722

Re: Bill Sharpe's preferred portfolio

I looked up the indexes mentioned by Sharpe in the video. CRSP US Total Market Index Market cap: $24,541,947 million FTSE Global All-Cap minus US Market cap: $21,356,625 million Note: The FTSE Global All-Cap index (the index followed by Vanguard's Total World Stock Index fund) actually shows the glo...
by CyberBob
Mon Apr 17, 2017 12:59 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 21
Views: 4722

Re: Bill Sharpe's preferred portfolio

Sharpe's "World Bond/Stock Index" that he is wishing for actually exists. It's the MSCI Global Capital Markets Index. There were even rumors about ten years ago that someone might start a fund based on the index. Still waiting. Unfortunately, MSCI took the index in-house in 2006 and so the...
by CyberBob
Tue Apr 04, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Foolish question about VT [Vanguard Total World Stock]
Replies: 10
Views: 931

Re: Foolish question about VT [Vanguard Total World Stock]

Google Finance takes the latest quarterly dividend and multiplies it by 4. The accuracy of this method assumes that each quarterly dividend will be the same. They aren't, and so the Google number isn't too accurate. In fact, if you look at the Vanguard dividend page for VT , you'll see that last yea...
by CyberBob
Tue Mar 21, 2017 1:42 pm
Forum: Forum Issues and Administration
Topic: Hacking Wordpress
Replies: 11
Views: 1280

Re: Hacking Wordpress

As a general comment from a long-time Apache user (not sure about Wordpress, it's been a few years), it's a common misconception that user authentication should always be done in .htaccess files. However, in general and according to the Apache manual, you should only use .htaccess files when you don...
by CyberBob
Tue Mar 21, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: What's your strategy for withdrawing funds in Retirement ?
Replies: 57
Views: 6206

Re: What's your strategy for withdrawing funds in Retirement ?

I've always been partial to the RMD method where the withdrawal percentage is essentially 1/life expectancy. It has the disadvantage that withdrawals are a lower percentage early on (especially if you retire very early), but at the same time, taking less early on is psychologically comforting that y...
by CyberBob
Tue Mar 21, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2648

Re: Anybody using the TERMINAL over the GUI in ubuntu?

Just for fun, I went down that rabbit hole many years ago and stayed because I liked it. That is, I have no GUI even installed on my machine. No desktop environment like GNOME or KDE, but just a window manager. Specifically, Ratpoison, which is awesome because it is keyboard only, no mouse input ava...
by CyberBob
Fri Mar 17, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: How to think about the really long view to take
Replies: 5
Views: 527

Re: How to think about the really long view to take

Check out the chart in this article: https://blogs.cfainstitute.org/investor/2013/09/25/u-s-capital-market-returns-during-periods-of-war/ It kind of looks like war isn't necessarily bad news for stock returns. During World War II, large-cap stocks 16.9% and small-cap 32.8%. Those are big numbers. Ko...
by CyberBob
Fri Feb 24, 2017 3:14 pm
Forum: Investing - Theory, News & General
Topic: Total World expense ratio lowered
Replies: 14
Views: 1839

Total World Stock exp. ratio falls from 0.25 to 0.21

A new Vanguard message about VTWSX came out today: As of 02/24/2017, the expense ratio on Vanguard Total World Stock Index Investor Shares has changed from 0.25% to 0.21%. Not quite as good as an announcement about Admiral shares would be, but you gotta love the downward trend. Wasn't it 0.50 when i...
by CyberBob
Wed Feb 22, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Pinless Debit Cards
Replies: 3
Views: 323

Re: Pinless Debit Cards

...I am upset about it is fraud in the instance of a lost or stolen card. When the charge is run as a CREDIT, and the card has been stolen, we get the funds back due to an unauthorized transaction rather easily. However, when the vendor decides to change the transaction to run as a pinless debit (a...
by CyberBob
Sat Feb 04, 2017 4:39 pm
Forum: Investing - Theory, News & General
Topic: Bogle advocating bonds=age-15?
Replies: 20
Views: 1922

Re: Bogle advocating bonds=age-15?

Is there an error in labeling the very first graph in this article? Under Bogle's model portfolio, the blue color is labeled as "US Treasury Bond Funds". Bogle has never advocated treasuries only in his model portfolios as far as I know. In the article, it gives an example fund as Vanguar...
by CyberBob
Sat Feb 04, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Cool mouse-over PE by country site . . .
Replies: 2
Views: 299

Re: Is P/E not listed for index funds?

It's on the 'Portfolio & Management' tab on the Vanguard site:
https://personal.vanguard.com/us/funds/ ... =INT#tab=2
by CyberBob
Tue Jan 31, 2017 9:58 am
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 189
Views: 16265

Re: Betterment just raised their costs.

They also now have Plus, Premium, and Advisor Network levels, all of which give you some contact with a Certified Financial Planner (CFP). Maybe they are thinking that people like the human touch more than they originally thought.
by CyberBob
Tue Jan 24, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Editing shortcut emacs-like keys. Do u use them?
Replies: 34
Views: 2443

Re: Editing shortcut emacs-like keys. Do u use them?

I actually use Emacs all of the time, since my entire operating system is built around it. My window manager is Ratpoison , which is all keyboard driven Emacs keystrokes. My web browser is Conkeror , which is all keyboard driven Emacs keystrokes (although, I added Vi/m J and K up/down commands to th...
by CyberBob
Tue Jan 17, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: mirror image of VBINX
Replies: 6
Views: 467

Re: mirror image of VBINX

Just buy the two funds separately. Total Stock Index Admiral (VTSAX) 40% Total Bond Index Admiral (VBTLX) 60% The advantage of a combined balanced fund is that it does the rebalancing for you, but that's not too hard to do with two funds. When you make withdrawals, just withdraw from whichever fund ...
by CyberBob
Sat Jan 07, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: Treasury returns historically almost match corporate bonds?
Replies: 9
Views: 972

Re: Treasury returns historically almost match corporate bonds?

You should check out the book Unconventional Success by David Swensen (who runs the endowment fund for Yale University).
He gives some reasons why Treasury bonds should be considered a 'core' asset class, while corporate bonds are 'non-core'.
by CyberBob
Fri Jan 06, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Problem: Electronic transfer limits. Also: portfolio advice.
Replies: 17
Views: 929

Re: Problem: Electronic transfer limits. Also: portfolio advice.

You don't transfer it from your bank, you give Vanguard your account info and let them pull it via ACH. Thanks for the help. Are there limits to the transfer If I do it on the Vanguard site? Please explain "pull it via ACH" ?? Thanks again. Under your account online, go to the 'Account Ma...
by CyberBob
Fri Jan 06, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Problem: Electronic transfer limits. Also: portfolio advice.
Replies: 17
Views: 929

Re: Problem: Electronic transfer limits. Also: portfolio advice.

You don't transfer it from your bank, you give Vanguard your account info and let them pull it via ACH.
by CyberBob
Wed Dec 21, 2016 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to Drop Wells Fargo for Online Banking
Replies: 48
Views: 2971

Re: Looking to Drop Wells Fargo for Online Banking

So you need to use your credit cards and put that debit card away except for special emergencies. Credit cards are insured. Debit cards are not. Let's not spread disinformation here. According to the law, the Electronic Funds Transfer Act (EFTA), Electronic Fund Transfers (Regulation E) Section 100...
by CyberBob
Sat Dec 17, 2016 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Employer Requiring Travel to "No Travel" Country
Replies: 48
Views: 7004

Re: Employer Requiring Travel to "No Travel" Country

Currently, the organization is looking for volunteers. So far, there aren't any. That is a great summation of how I was able to retire at 42: I always volunteered. The results over the years were fabulous for me. I never worried about job security, as I got to be relied upon so much that layoffs ne...
by CyberBob
Sun Dec 11, 2016 10:35 am
Forum: Investing - Theory, News & General
Topic: Jason Zweig - Ben Graham speech
Replies: 16
Views: 4523

Re: Jason Zweig - Ben Graham speech

This is a very interesting speech for anyone interested in Graham.
Unfortunately, since Jason Zweig updated his website, the link in the original post no longer works.
Here is an updated link: A REDISCOVERED MASTERPIECE BY BENJAMIN GRAHAM.
by CyberBob
Fri Dec 09, 2016 11:14 am
Forum: Investing - Theory, News & General
Topic: VT expense ratio dropped?
Replies: 22
Views: 2900

Re: VT expense ratio dropped?

The ETF is 0.14 and the fund is 0.25. The fund has always been more since there aren't any Admiral shares yet.

But looking at the numbers from the semi-annual report, it looks like the expenses are soon to drop to 0.23 for the fund and 0.11 for the ETF.
by CyberBob
Sun Oct 30, 2016 9:32 am
Forum: Personal Finance (Not Investing)
Topic: AllyBank CC [Credit Card]
Replies: 8
Views: 1122

Re: AllyBank CC

...most brick and mortar banks I know, e.g. Wells Fargo, Chase, and Bank America, combine banking, savings, checking and credit card on the same web portal. Does anyone know why the online banks are different? Because they aren't actually the issuing Bank. For example, the Ally card, even though it...
by CyberBob
Thu Oct 20, 2016 9:17 am
Forum: Investing - Theory, News & General
Topic: [WSJ - What Does Nevada’s $35 Billion Fund Manager Do All Day? Nothing]
Replies: 35
Views: 3120

Re: WSJ - What Does Nevada’s $35 Billion Fund Manager Do All Day? Nothing

Interesting that the U.S. equities are in the S&P 500, so no small-caps.
And the international equities are in the EAFE, so no emerging markets.
by CyberBob
Mon Oct 17, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Is Buffett's 90/10 Asset Allocation Sound?
Replies: 61
Views: 8372

Re: Is Buffett's 90/10 Asset Allocation Sound?

A key point is how large is the 10% allocation to short-term treasuries, and what are his wife's future spending needs? If the 10% allocation to short-term treasuries is enough to cover, say 20 or 30 years of living expenses, she will be relatively immune to the variance in returns of the 90% alloc...
by CyberBob
Mon Oct 17, 2016 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Is Buffett's 90/10 Asset Allocation Sound?
Replies: 61
Views: 8372

Re: Is Buffett's 90/10 Asset Allocation Sound?

I noticed two problems with the article: 1. Like most articles discussing this, he goes right to the "she's got a boat-load of money, so she can take more risk" conclusion. In reality, Warren Buffett has mentioned her having a 3-4% withdrawal rate, the same numbers we talk about here. So w...
by CyberBob
Tue Oct 11, 2016 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total World Stock Index Fund Review
Replies: 49
Views: 8958

Re: Vanguard Total World Stock Index Fund Review

I also hope the VT ETF ER (currently 0.14%) will continue to drop as it continues to grow. I expect to see a drop for the annual number, because according to the April 30, 2016 semiannual report: For the six months ended April 30, 2016, the fund’s annualized expense ratios were 0.23% for Investor S...
by CyberBob
Tue Oct 04, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: credit during retirement
Replies: 5
Views: 779

Re: credit during retirement

I've gotten new credit cards since I retired (11 years ago) without any problems. I applied for them online and got instant approval. I assume that since it happened instantly, that they were only looking at the credit score associated with my social security number. I've always just put 'retired' i...
by CyberBob
Wed Aug 17, 2016 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Why did VBR move to various tracking indices
Replies: 18
Views: 1895

Re: Why did VBR move to various tracking indices

Vanguard principal Joel Dickson said there were three reasons for the move to CRSP indexes: cost, cost, and cost.
http://www.morningstar.com/cover/videoc ... ?id=569429
by CyberBob
Sat Jul 09, 2016 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: wait for the drop?
Replies: 75
Views: 7589

Re: wait for the drop?

    “Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves.”
    -- Peter Lynch
by CyberBob
Tue Jun 07, 2016 9:12 am
Forum: Investing - Theory, News & General
Topic: Are bogleheads recommended books still good enough?
Replies: 12
Views: 1465

Re: Are bogleheads recommended books still good enough?

I would suggest reading the free Bill Bernstein book If You Can . It's a fabulous! book(let). In the PDF form, it's an easy read at only 16 pages. What makes it even better is that at the end of each section he gives a book reading assignment, such as The Millionaire Next Door , Bogle's Common Sense...
by CyberBob
Thu Jun 02, 2016 10:07 am
Forum: Investing - Theory, News & General
Topic: Where's the ultimate index fund???
Replies: 11
Views: 1961

Re: Where's the ultimate index fund???

In 2006, 'the next big thing' was going to be an index fund based on the MSCI Global Capital Markets Index, but it never materialized. Here's a Bloomberg article on it: In Search of a Global Index Fund . Annoyingly, MSCI no longer even makes the breakdown of that index publicly available. But it use...
by CyberBob
Fri May 27, 2016 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 2 factor authentication
Replies: 11
Views: 1172

Re: Vanguard 2 factor authentication

teniralc wrote:...I sometimes travel and my cell does not accept texts out of the US.

Vanguard also has an option for automated voice calls instead of texts.
by CyberBob
Tue May 03, 2016 4:00 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 14735

Re: Sci-Fi ... your favorite movies and episodes??

Movie: Forbidden Planet
TV: Firefly
by CyberBob
Fri Apr 29, 2016 2:30 pm
Forum: Investing - Theory, News & General
Topic: Foreign Tax Credit, Form 1116, Double Taxation
Replies: 16
Views: 1904

Re: Foreign Tax Credit, Form 1116, Double Taxation

There is a limit on the credit. Maybe you're bumping up against that. I get hosed out of some of the credit almost every year since my foreign divs are a relatively high portion of an otherwise low tax liability. From IRS Publication 514: Your foreign tax credit cannot be more than your total U.S. t...
by CyberBob
Fri Apr 15, 2016 9:39 am
Forum: Investing - Theory, News & General
Topic: Odd difference in portfolio between Total International ETFs
Replies: 6
Views: 576

Re: Odd difference in portfolio between Total International ETFs

If you look at IXUS holdings directly at the iShares site it doesn't show the odd holdings, so probably a Fidelity error.
https://www.ishares.com/us/products/244 ... -stock-etf
by CyberBob
Tue Mar 29, 2016 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Quarterly taxes for 87 yr senior
Replies: 18
Views: 1561

Re: Quarterly taxes for 87 yr senior

From IRS Form 1040-ES (estimated tax), page 2:

You can pay all of your estimated tax by April 18, 2016, or in four equal amounts by the dates shown below...
by CyberBob
Fri Mar 25, 2016 12:12 pm
Forum: Investing - Theory, News & General
Topic: Malkiels Recommended Portfolio
Replies: 25
Views: 4191

Re: Malkiels Recommended Portfolio

In his latest book The Elements of Investing (written with Charles Ellis), they recommend a simple portfolio of Total World Stock Index and Total Bond Index. Malkiel recommends 75-90% in the stock fund for someone in their 20's and 30's. Ellis, who views inflation as a big threat, is more aggressive...
by CyberBob
Mon Mar 21, 2016 1:25 pm
Forum: Investing - Theory, News & General
Topic: Proposed: 35% Maximum Bond Allocation, For Life
Replies: 40
Views: 5461

Re: Proposed: 35% Maximum Bond Allocation, For Life

Bill Bernstein's liability matching advice seems like a better mousetrap because it calls for an amount in safe assets in retirement that is based on actual expenses, rather than an arbitrary percentage. 1) Pre-retirement: The smaller of a) 25% of your portfolio or b) 5 years living expenses. 2) Ret...
by CyberBob
Mon Mar 07, 2016 10:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard/Schwab/Fidelity financial consulant
Replies: 21
Views: 3147

Re: Vanguard/Schwab/Fidelity financial consulant

inbox788 wrote:If Vanguard called, I'd ask them when they're going to implement two factor authentication...

They already have it, via automated phone call or text.
https://personal.vanguard.com/us/insigh ... ity-092015
by CyberBob
Sat Mar 05, 2016 10:10 am
Forum: Personal Consumer Issues
Topic: Weak Bank Password Policies Leave 350 Million Vulnerable, Say Researchers
Replies: 46
Views: 3964

Re: Weak Bank Password Policies Leave 350 Million Vulnerable, Say Researchers

It's probably not as bad as they make it out to be because your account would be locked after a few wrong guesses. (Assuming they haven't stolen the entire database and are doing it offline). Two-factor authentication comes into play too. Chase, for example, has it on by default, so if an attempt is...
by CyberBob
Fri Feb 12, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Delta lost my luggage...
Replies: 29
Views: 3729

Re: Delta lost my luggage...

mouses wrote:Where does lost luggage wind up, I wonder...

At the Unclaimed Baggage store in Alabama
http://www.unclaimedbaggage.com
by CyberBob
Tue Feb 02, 2016 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 8443

Re: What age did you retire

42

I don't regret not doing it earlier -- which would have been hard to do anyway.

I also don't regret doing it so early, as the last ten years have been just fine without worrying about any of that work-related nonsense that always seemed to pop up.

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