Search found 1432 matches

by junior
Mon Jan 22, 2024 1:56 pm
Forum: Investing - Theory, News & General
Topic: Avantis/DFA criteria: Simply low P/E?
Replies: 16
Views: 1548

Re: Avantis/DFA criteria: Simply low P/E?

Price to earnings does not look at book value. Their prospectus for u.s. small cap value says

The portfolio managers define “value characteristics” mainly as adjusted book/price ratio (though other price to fundamental ratios may be considered). The portfolio managers define “profitability” mainly as adjusted cash from operations to book value ratio (though other ratios may be considered).
So the answer to your question appears to be they think book value is important. So it's not based on simply low p/e.
by junior
Mon Jan 22, 2024 12:49 pm
Forum: Investing - Theory, News & General
Topic: Avantis/DFA criteria: Simply low P/E?
Replies: 16
Views: 1548

Re: Avantis/DFA criteria: Simply low P/E?

I'm hardly an expert on this, but if two companies earn 100 dollars a year, but one of the companies has a billion dollars sitting in a bank account, and the other has just five dollars sitting in a bank account, there's clearly more going on in determining a fair price for the company than price to earnings. And if you look at the prospectus of the Avantis funds I don't think they claim they only look at P/E.
by junior
Mon Jan 22, 2024 12:14 pm
Forum: Investing - Theory, News & General
Topic: Robinhood 3% IRA Match
Replies: 1459
Views: 110045

Re: 3% IRA transfer bonus at Robinhood: Worth it?

veggivet wrote: Mon Jan 22, 2024 10:49 am Do not invest more than $500k/account with them, unless you are willing to lose 100% of the amount over that.
Would it even be possible to lose 100% of your assets above the SIPC limit? While not the same thing the victims of Madoff lost about 20% of their assets after years of litigation. Not sure what sort of hypothetical scenario could cause a 100% loss, or if it's even possible.
by junior
Wed Jan 17, 2024 11:34 am
Forum: Personal Investments
Topic: I want to invest $300,000 for a regular income
Replies: 21
Views: 3756

Re: I want to invest $300,000 for a regular income

If you sell your house you'd have to pay rent somewhere, no? A full analysis would look at the total costs of renting vs buying, including your rental income, property taxes, and expected annual maintenance. I don't think $300,000 is going to generate all that much income, to be honest, but to analyze this you'd look at life expectancy. If you expect the $300,000 to last for, say, 7 years that's different than if it needs to last for 45 years.
by junior
Wed Jan 17, 2024 11:22 am
Forum: Investing - Theory, News & General
Topic: More Evidence Against Factor Investing
Replies: 473
Views: 33679

Re: More Evidence Against Factor Investing

Nothing in the paper says factor investing is a waste of time or money:
"To be clear, nothing in this analysis speaks to the validity of the three- (or five-) factor model, only to this particular source of factor data.

As an alternative to the French factors, we make the code used to generate the
fixed-code factors discussed in Section I.B freely available.27 Researchers are invited
to download this code and use it—in conjunction with the standard CRSP and Compustat data—to construct the three standard Fama-French factors"
by junior
Thu Jan 11, 2024 1:28 pm
Forum: Investing - Theory, News & General
Topic: Anyone consider taking investment accounts offline?
Replies: 95
Views: 15437

Re: Anyone consider taking investment accounts offline?

If you have a reasonable wifi password, what makes you think you can be hacked? It's supposed to be encrypted, you know?

The entire world is using wifi. If the encryption was insecure in modern routers that would be a pretty easy thing to show with links to major news sources.
by junior
Fri Jan 05, 2024 1:39 pm
Forum: Investing - Theory, News & General
Topic: How do you get out of value investing
Replies: 30
Views: 5125

Re: How do you get out of value investing

CWRadio wrote: Wed Jan 03, 2024 11:03 am Any suggestions, beside staying the course and hoping within my life span (age 79) value will outperform. Paul
What was the point of comparing your portfolio to the non value portfolio? Lacking a time machine you can't go back to 2013 and don't have a way to travel to the future to see which will do better going forward. If you simply wanted to see if you did as well as you could of done, the answer is no, you should have invested everything in Apple computers, Bitcoin and Tesla.

Vanguard predicts value will outperform over the next 10 years, for what it's worth.
by junior
Fri Dec 29, 2023 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Moral Issues with Credit Card Rewards
Replies: 22
Views: 1895

Re: Moral Issues with Credit Card Rewards

I don't really see why using a credit card is morally wrong, but, for context, you just went to a forum where 99% of posters, if not 100%, have an ownership interest in Mastercard and American Express and Visa through the S&P 500 and make money from the those interchange fees, and call the guy who came up with that investing strategy, John Bogle, a "saint". So anyone arguing it's morally wrong would have to admit they are not moral to be intellectually consistent. Just saying.
by junior
Fri Dec 29, 2023 9:07 am
Forum: Personal Consumer Issues
Topic: Escape rooms: fun? emergency safety?
Replies: 14
Views: 2468

Re: Escape rooms: fun? emergency safety?

It's my understanding you are only "pretend" locked in.

So, if your mission is to get a key or whatever the door would actually open without the key.

Escape room companies aren't so stupid as to really lock their customers in a room-- but by all means you can call to confirm at any particular venue if you are concerned.

The people who do best at escape room are the people who do them regularly and have a feel for the puzzles. But I'd suggest you do one and see if you like it. It's something to do that's unique-- even if it's not for you I think it's worth doing once.
by junior
Thu Nov 16, 2023 1:23 pm
Forum: Investing - Theory, News & General
Topic: World ex-US returns are only 4.4% - 120 years of data
Replies: 110
Views: 11136

Re: World ex-US returns are only 4.4% - 120 years of data

Do_Nothing wrote: Thu Nov 16, 2023 11:21 am No, no you misunderstood. The 10 year projection that Vanguard has made for the last 16 years doesn't start this year, it starts the year they are finally right. Of course. If you can move the goal post eventually you'll be right. Vanguard is playing the long game.
I don't think making an annual prediction is "moving the goalposts". Since nobody can point to a better source of stock market return predictions I don't particularly care if they were right.
by junior
Thu Nov 16, 2023 10:47 am
Forum: Investing - Theory, News & General
Topic: World ex-US returns are only 4.4% - 120 years of data
Replies: 110
Views: 11136

Re: World ex-US returns are only 4.4% - 120 years of data

This isn't particularly interesting-- we've been told international stocks are a bargain for a while. Vanguard last year said
"our Vanguard Capital Markets Model® projects higher 10-year annualized returns for non-U.S. developed markets (7.2%–9.2%) and emerging markets (7%–9%) than for U.S. markets (4.7%–6.7%)."
by junior
Tue Nov 07, 2023 3:24 pm
Forum: Investing - Theory, News & General
Topic: Is investing the best way to hedge against the risk of my job being replaced by AI?
Replies: 22
Views: 2699

Re: Is investing the best way to hedge against the risk of my job being replaced by AI?

Is investing (in equities) the best hedge against being replaced at work by AI? If you own a piece of the company who makes the AI that takes your job, you at least get to share in the profits from the efficiency gains. (For purposes of this thread, let's assume for the sake of argument that some jobs will be replaced by AI.) I don't think you can hedge against job loss. Think of it this way. Suppose your salary is 100k a year. You plan to work for 30 more years, so your future career is valued at 3 million dollars. You attempt to hedge against job loss by buying 10,000 dollars worth of Microsoft because they own 49% of Openai. What percent of that $10,000 is even invested in AI as opposed to other things like video games and spreedsheet s...
by junior
Wed Nov 01, 2023 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Intuit's Mint App Shutting Down...Replacement Recommendations?
Replies: 754
Views: 141118

Re: Intuit's Mint App Shutting Down...Replacement Recommendations?

I've been using Mint since 2009. The Mint mobile apps have always been missing some basic features that the older web version had, so I'm not exactly confident that Intuit will be transitioning Mint users to a product that works as well as the product they purchased from the original Mint owners. I just made a 30 day trial account with Monarch, a Mint alternative/ clone that costs 100 dollars a year, and, unfortunately, it seems Fidelity has chosen to not allow access by Plaid, which I think is the biggest aggregator that Mint alternatives use behind the scenes. Monarch has alternate aggregators, but it seems the one they are using that works with Fidelity doesn't work all that well as it isn't showing my individual transactions, just the a...
by junior
Wed Nov 01, 2023 10:38 am
Forum: Personal Investments
Topic: How do I find a "stock monitoring" advisor?
Replies: 13
Views: 1792

Re: How do I find a "stock monitoring" advisor?

Are stock prices set by "dumb" people or "smart" people? In 2007 Sears stock is worth "144" today it's worth less than a dollar. Would a hypothetical "stock monitoring" advisor be saying Sears is a great buy in 2007 or Sears is a bad buy?
by junior
Mon Oct 30, 2023 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Limit as a function of Income
Replies: 20
Views: 2959

Re: Credit Card Limit as a function of Income

WhitePuma wrote: Mon Oct 30, 2023 2:04 am I always pay the card in full. As income, inflation and spending needs go up over time, my paltry flat CC limit of 3K ain’t getting it done, and is risking %utilization outcomes that threaten my FICO score. This is the genesis of my question.
You may have outgrown your curent credit card company or need to request a higher limit. Anecdotally, some issuers seem to grant me high limits by default, and others low limits.
by junior
Fri Oct 27, 2023 10:14 am
Forum: Investing - Theory, News & General
Topic: Beat Inflation Handily, and Risk-Free - Allan Roth
Replies: 73
Views: 14247

Re: Beat Inflation Handily, and Risk-Free - Allan Roth

Historically, over a 10-year period, inflation has taken over 60% of one’s spending power and, over 20 years, over 80%. That is according to research by Edward McQuarrie, a professor emeritus at Santa Clara University.
What's with this bizarrly vague claim about inflation that includes a link to the professor's bio page not whatever research is being discussed? Said bio says the professor has a PHD in social psychology and is apparently is/was in the marketing department of the business school?
by junior
Mon Oct 16, 2023 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage 6.825% vs savings
Replies: 29
Views: 4634

Re: Mortgage 6.825% vs savings

funxional wrote: Mon Oct 16, 2023 8:12 am
You can pay $1000 of mortgage that is due today with $1000. Or you can wait 10 years and pay with $1000 after 10 years of inflation.

Your house value will likely increase with inflation also but paying the mortgage with inflated dollars is also an advantage.
If you have a mortgage you don't "wait 10 years and pay with $1,000". You "wait 10 years and pay with $1,935" (Assuming you are borrowing $1,000 at 6.825% interest for 10 years).
by junior
Mon Oct 16, 2023 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage 6.825% vs savings
Replies: 29
Views: 4634

Re: Mortgage 6.825% vs savings

invest4 wrote: Sun Oct 15, 2023 4:55 pm Our first mortgage was 30
Year @ 8.25%. Not surprisingly, you could also get a bit over 6% in savings accounts.

We paid as agreed and focused our monies on long term tax advantaged investments (use or lose every year) and ample emergency fund.

Not surprisingly, rates eventually came down (along with savings rates) and we refinanced our mortgage along the way.

I value the benefits a mortgage affords me:

* Liquidity

* Hedge against inflation
I would think the house is the hedge against inflation, not the mortgage.
by junior
Thu Sep 28, 2023 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Can an heir assume a reverse mortgage?
Replies: 36
Views: 5510

Re: Can an heir assume a reverse mortgage?

A lot of HECM loans are FHA. I'm not sure if she'd qualify for a non FHA HECM, depends on the state of the market.

This link says the FHA HECM is due and payable when the last surviving borrower dies. That says to me it wouldn't be assumable after death.

https://www.hud.gov/sites/dfiles/SFH/do ... curity.pdf
by junior
Mon Sep 25, 2023 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Using Mint to Track your parent's spending
Replies: 18
Views: 2424

Re: Using Mint to Track your parent's spending

gavinsiu wrote: Sun Sep 24, 2023 9:10 am I spoke too soon, it turns that one of the account didn't get added until earlier this year. I had to manually enter the missing transactions. Mint does not allow you to enter transaction older than 90 days. The workaround appears to be to enter it as Cash so that the category shows up in the report. This add roughly about $2k to the expense, but is still ok.
Consider running an expense report on the last 3 months and multiply by 4 for a year, then add any one time big expenses like property tax if missing ? You can, on a PC, manually edit the URL for reports to include specific dates though the user interface itself doesn't give much freedom in picking dates in a report.
by junior
Mon Sep 11, 2023 1:36 pm
Forum: Personal Investments
Topic: What do you NOT like about M1 Finance?
Replies: 71
Views: 7938

Re: What do you NOT like about M1 Finance?

passive101 wrote: Mon Sep 11, 2023 11:02 am
They don't recommend it more because you'll pay capital gains to sell the winners to buy the lowers.
No, that's not correct. The recommendation comes from data suggesting frequent rebalancing leads to slightly worse historical portfolio performance.
Bernstein in the most recent edition of 4 Pillars of Investing recommends rebalancing every 2 to 5 years in tax sheltered accounts unless you are using a more complicated threshold rebalancing scheme. He does bring up taxes and writes "Where you can, rebalance in the tax- sheltered accounts."
by junior
Mon Sep 11, 2023 9:49 am
Forum: Personal Investments
Topic: What do you NOT like about M1 Finance?
Replies: 71
Views: 7938

Re: What do you NOT like about M1 Finance?

Walkure wrote: Fri Sep 08, 2023 9:57 am
But does the auto transfer direct new funds to the underweight asset, or is it just a "send $500 to FIDOX (made up ticker symbol, I'm not familiar with Fidelity) on the 3rd day of every month."
It doesn't auto correct for underweight assets, but since some experts (Bill Bernstein, off the top of my head, maybe others?) don't recommend rebalancing more than once a year I don't know why I should care?
by junior
Fri Sep 08, 2023 8:54 am
Forum: Personal Investments
Topic: What do you NOT like about M1 Finance?
Replies: 71
Views: 7938

Re: What do you NOT like about M1 Finance?

If you just want a boring conservative boglehead portfolio, there's no reason to use M1 over Fidelity, since you can automate investments into the Fidelity zero fee and/ or low cost index mutual funds. You get the automatic investments at low cost, with a large institution that you can trust to not go anywhere. M1 is useful because it allows for automating ETFs investment instead of mutual fund investments, which means you can automate all sorts of factor tilts by targeting factor etfs. A regular fidelity account doesn't automate investments for me. I want it all done passively. That is something M1 does With fidelity you can set recurring auto transfer into your investment account, and auto transfers from the core account to mutual funds,...
by junior
Tue Sep 05, 2023 12:07 pm
Forum: Personal Investments
Topic: What do you NOT like about M1 Finance?
Replies: 71
Views: 7938

Re: What do you NOT like about M1 Finance?

If you just want a boring conservative boglehead portfolio, there's no reason to use M1 over Fidelity, since you can automate investments into the Fidelity zero fee and/ or low cost index mutual funds. You get the automatic investments at low cost, with a large institution that you can trust to not go anywhere.

M1 is useful because it allows for automating ETFs investment instead of mutual fund investments, which means you can automate all sorts of factor tilts by targeting factor etfs.
by junior
Wed Aug 30, 2023 9:50 am
Forum: Personal Finance (Not Investing)
Topic: What Retirement Planning/Budgeting Software Are You Using
Replies: 132
Views: 23903

Re: What Retirement Planning/Budgeting Software Are You Using

tvubpwcisla wrote: Wed Aug 30, 2023 7:50 am If software is required, it is possible the investors strategic plan is too complicated.

- Simple Three Fund Portfolio (save as much as possible, reduce expenses as much as possible).
- Use lowest possible withdrawal rate to meet your standard of living.
I'm guessing you don't actually live in a van down by the river so aren't actually "savings as much as possible" or "reducing expenses as much as possible".

Maybe your advice is too simple?
by junior
Mon Aug 28, 2023 2:40 pm
Forum: Forum Issues and Administration
Topic: Worried about Avantis advertisement here
Replies: 51
Views: 14011

Re: Worried about Avantis advertisement here

I'm wondering where the idea that the 3 fund portolio is "classic" came from?
by junior
Mon Aug 28, 2023 10:51 am
Forum: Investing - Theory, News & General
Topic: Article "The Truth About Yield" - SEC yields on some fixed income funds may be distorted
Replies: 36
Views: 5144

Re: Article "The Truth About Yield" - SEC yields on some fixed income funds may be distorted

iShares 0-5 Year TIPS Bond ETF (STIP) has a 30 day SEC yield of 6.42% according to the Ishares web site.

Vanguard Short-Term Inflation-Protected Securities ETF (VTIP.IV) has an SEC yield of 2.67% according to the Vanguard web site. Vanguard doesn't include the inflation adjustment in the reported yield.

These are very similar funds.


Apparently the fund provider can decide the methodology they want to use in reporting the SEC yield and comparing them is apples to oranges.
by junior
Wed Aug 09, 2023 2:52 pm
Forum: Personal Investments
Topic: Money for major home repairs - where should it come from?
Replies: 10
Views: 1898

Re: Money for major home repairs - where should it come from?

annu wrote: Wed Aug 09, 2023 11:37 am
Outer Marker wrote: Wed Aug 09, 2023 7:24 am Sinking half of your investable assets into home repair seems pretty drastic. What is the nature of the repairs? Will it markedly increase the home value, e.g. major addition? What is the current value of the property? I'd carefully weigh all alternatives including selling and moving permanently.
I second this. $100k is alot, and do you need to pay all of it upfront in one go?
OP is saving 10k per month. 100K is only 10 months savings. It's not *that* much money compared to OP's salary, it would seem.
by junior
Mon Aug 07, 2023 12:34 pm
Forum: Investing - Theory, News & General
Topic: Nuggets from Bernstein's "Four Pillars"
Replies: 57
Views: 9271

Re: Nuggets from Bernstein's "Four Pillars"

martincmartin wrote: Mon Aug 07, 2023 8:11 am
If someone truly believed they over priced, isn't the logical step to short them? "
Isn't shorting an asset riskier than buying an asset? In other words wouldn't you need a higher risk tolerance to short an asset than to buy one, regardless of whether it's overpriced?
by junior
Mon Aug 07, 2023 8:14 am
Forum: Personal Consumer Issues
Topic: Help - Locked Out of Gmail Account
Replies: 54
Views: 7031

Re: Help - Locked Out of Gmail Account

Type the exact error you get in a search engine- in quotes. If solutions pop up- follow them. If not, you are screwed as google is not known to provide good customer service to free customers. I'm wondering if the error you get is a temporary timeout rather than a permanenet lock out.
by junior
Mon Aug 07, 2023 7:05 am
Forum: Investing - Theory, News & General
Topic: Optimal rebalancing frequency to optimize returns — Every 2-5 years per new Four Pillars?
Replies: 8
Views: 1281

Re: Optimal rebalancing frequency to optimize returns — Every 2-5 years per new Four Pillars?

What what I recall Bernstein recommended rebalancing very 2 years on his old web site. I marked my calenders every two years but when there was a major market correction I sometimes rebalanced early. I think I might have only waited 2 years once so far.

I don't have bonds in my retirement portfolio, at my age bonds are for my emergency fund and non retirement spending, and I don't rebalance those. Rebalancing is just something I do in the hope of selling high and buying low.
by junior
Fri Aug 04, 2023 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: filing taxes for a new LLC
Replies: 13
Views: 1030

Re: filing taxes for a new LLC

montanagirl wrote: Fri Aug 04, 2023 8:32 am An LLC is a disregarded entity to the IRS. It is strictly a state structure.
Only a single member LLC is a disregarded entity, sounds like op's llc has 2 members.
by junior
Tue Jul 18, 2023 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Federal job to wrap up career?
Replies: 14
Views: 2340

Re: Federal job to wrap up career?

Raspberry-503 wrote: Mon Jul 17, 2023 10:03 pm I think something about not getting social security?
You may be thinking of the retirement system for employees hired before 1987. They didn't get social security. For you it won't be an issue.
by junior
Fri Jun 30, 2023 5:50 pm
Forum: Investing - Theory, News & General
Topic: Bill Bernstein's new book available [Four Pillars of Investing]
Replies: 114
Views: 25582

Re: Bill Bernstein's new book available

malabargold wrote: Sun May 14, 2023 7:30 am If he's so good at selling advice, why does he need to revise it?
The first edition of this book was released in 2002. If there was nothing to learn since then, people have been wasting a whole lot of time posting on this forum and reading posts on this forum.
by junior
Fri Jun 30, 2023 10:49 am
Forum: Personal Consumer Issues
Topic: MacBookAir 15” vs iPadPro M2..which one
Replies: 22
Views: 2384

Re: MacBookAir 15” vs iPadPro M2..which one

Why don't you keep the IPAD pro you already own and buy a Macbook Air? Is there something the new IPAD pro does that the current one does not?
by junior
Wed Jun 28, 2023 7:04 pm
Forum: Personal Consumer Issues
Topic: Smart Key on new Toyota worries me
Replies: 146
Views: 12697

Re: Smart Key on new Toyota worries me

Northern Flicker wrote: Wed Jun 28, 2023 6:15 pm The physical key in the FOB of some Toyotas only opens the car, but will not start it.
When the battery is low on the FOB the signal will be too weak to open the door to the car but still strong enough to start the car by holding the FOB up to the push to start button.

I've successfully started a Toyota this way when the battery was starting to go and I procrastinated on replacing it. The battery doesn't simply die but instead broadcasts a weaker signal for some time.
by junior
Wed Jun 28, 2023 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Review of book "Die with Zero"
Replies: 179
Views: 24124

Re: Review of book "Die with Zero"

White Coat Investor wrote: Wed Jun 28, 2023 2:17 pm
simplesimon wrote: Wed Jun 28, 2023 1:36 pm
am wrote: Wed Jun 28, 2023 12:27 pm What does the author say about having enough to stop accumulating? Guessing it’s less than what we advise here.
He gave a formula in the book:

[Expected years left to live found by looking up some websites about longevity] * annual expenses * 70% (a discount rate)
Interestingly, that figure is significantly less than the 4% rule would dictate.
If you want to use the 4% rule and you don't want to save more than you need, you have to account for social security in some fashion.
by junior
Wed Jun 28, 2023 4:14 pm
Forum: Personal Consumer Issues
Topic: Smart Key on new Toyota worries me
Replies: 146
Views: 12697

Re: Smart Key on new Toyota worries me

tunafish wrote: Wed Jun 28, 2023 4:09 pm
Compare this with what you would have to do with an old style key. For example, when did you pay $300 to get an extra key. When did you have to rent a car to retrieve a key.
I never used a hide a key so I'm guessing I would have had to rent a car to retrieve an old style key. Or was there some other solution? Would AAA pick the lock for you or something?
by junior
Wed Jun 28, 2023 3:55 pm
Forum: Personal Consumer Issues
Topic: Smart Key on new Toyota worries me
Replies: 146
Views: 12697

Re: Smart Key on new Toyota worries me

You have two smart keys, right? My 2019 Toyota came with two keys. If one was lost wouldn't you just go home to get the backup key via rental car/ Uber or whatever, or if it was a road trip far from home, wouldn't you have a friend or family member overnight ship you the second key or maybe have a dealer make you a new one?
by junior
Tue Jun 06, 2023 11:49 am
Forum: Personal Investments
Topic: Still trying to believe in bonds
Replies: 214
Views: 47590

Re: Still trying to believe in bonds

In 2009 stocks crashed around 50% while bonds did not. So whether you want bonds or not is whether you want to see your portfolio go down 50% or just 25% in a major catastrophe (if you had 50% bonds 50% stock).
by junior
Tue May 16, 2023 12:29 pm
Forum: Personal Consumer Issues
Topic: Suggestions? GPS Tracker/Locator for a men's wallet compatible with Android phone
Replies: 9
Views: 1246

Re: Suggestions? GPS Tracker/Locator for a men's wallet compatible with Android phone

The tile slim had some trouble connecting when my wallet was in my winter coat pocket in a closet (I had to get close to it to connect) but overall I guess it works okay.
by junior
Wed May 10, 2023 9:07 pm
Forum: Investing - Theory, News & General
Topic: Bill Bernstein's new book available [Four Pillars of Investing]
Replies: 114
Views: 25582

Re: Bill Bernstein's new book available

I'm excited to see it's a "nearly complete rewrite" of the original. Should be worth a read!
by junior
Wed May 10, 2023 2:22 pm
Forum: Personal Consumer Issues
Topic: Verizon FIOS - wireless vs wired ?
Replies: 39
Views: 3179

Re: Verizon FIOS - wireless vs wired ?

I always get relatively bad wireless connection speed on my android phone so I would guess the iphone tells you nothing about how good the connection is- I would guess the small, thin phone antenna just isn't good for benchmarking.

You should temporarily move your PC to where the router is and plug it in with Ethernet. You'll probably see the PC is much quicker when connected via Ethernet.
by junior
Thu May 04, 2023 2:00 pm
Forum: Investing - Theory, News & General
Topic: [Debt ceiling discussion mega-thread]
Replies: 1286
Views: 128314

Re: 4 weeks treasury almost at 6%, game on for debt ceiling

Is there a 4 week treasury fund that would be a good temporary buy if I'm not worried about default?
by junior
Mon May 01, 2023 6:23 pm
Forum: Personal Consumer Issues
Topic: HOA CCRs
Replies: 18
Views: 1755

Re: HOA CCRs

CC&R's tend to be fairly similar from project to project. While I'm sure some exotic projects exist, you generally only need to worry about whether a community is for seniors only, whether pets are allowed, whether there's a limit to the number of pets, and whether you can lease your home.
by junior
Sat Apr 29, 2023 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 5973
Views: 1007583

Re: Fidelity as a one stop shop

I haven't read the whole 87 page thread, so I apologize if this has been covered. The Bogleheads wiki on this thread says a problem with using Fidelity is: "Security concerns involve unauthorized access to the CMA account, and the risk that the CMA and a linked investment account can be drained of funds. A common suggestion is to have a separate, unlinked investment account to hold the investment portfolio, with no mingling of investment capital and the money used for expenses/banking." I opened a CMA account and brokerage account under the same login. Is the Bogleheads Wiki suggesting this is a bad idea? Or is the concern about the overdraft protection feature? If the concern is the overdraft protection the solution would be to n...
by junior
Thu Apr 27, 2023 11:03 am
Forum: Personal Consumer Issues
Topic: AI Voice mimicing and Security w/Vanguard
Replies: 33
Views: 3410

Re: AI Voice mimicing and Security w/Vanguard

I didn't know Vanguard uses voice activation for security. Cell phones often have bad connections so I'm surprised that they think they can get a good enough audio sample.

Does any other broker do this? If you think they are incompetent maybe switch brokers?
by junior
Fri Apr 21, 2023 1:46 pm
Forum: Personal Investments
Topic: AVUV - difficult to hold
Replies: 185
Views: 18282

Re: AVUV - difficult to hold

John Bogle said " “One of my favorite rules is ‘Don’t peek.’ Don’t let all the noise drown out your common sense and your wisdom. Just try not to pay that much attention, because it will have no effect whatsoever, categorically, on your lifetime investment returns.” ..."

I don't know why you are peeking so much but that's your problem right there.
by junior
Fri Apr 21, 2023 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Do you need an HOA for 2 unit Condo?
Replies: 27
Views: 2007

Re: Do you need an HOA for 2 unit Condo?

You say it's a condominium and you say there is no HOA. This is legally impossible. It's only a condominium if you follow condominium law which says the master deed will state "The name and nature of the association and if the association is not incorporated, the name and residence address, within this State of the person designated as agent to receive service of process upon the association." https://www.state.nj.us/dca/divisions/c ... /46_8B.PDF

I am not a lawyer or your lawyer, but I believe what I wrote is correct.
by junior
Mon Apr 10, 2023 11:24 am
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 2259
Views: 266885

Re: First 20% of bonds in long-term Treasuries

hornet96 wrote: Mon Apr 10, 2023 10:52 am
While his definition of interest rate risk is the standard definition, the implied notion in his advice given in this thread (i.e. first 20% of bonds belong in LT Treasuries) that an individual investor can and will always be able to hold a 30 year bond to maturity is pretty naïve.
I don't agree that this is an "implied notion".

The argument, whether right or wrong, seems to me to be that a portfolio with a little more bond market price risk is better suited for most investors, not that there is zero market price risk.