Search found 2229 matches

by linenfort
Thu Feb 14, 2019 10:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "secret" funds
Replies: 35
Views: 7714

Re: Vanguard "secret" funds

.....why not own all active funds? Because Vanguard has set the bar very high when it comes to index funds and the list of active low cost, low turnover (turnover is key) is pretty short. ... I don’t think low cost active is better than indexing; I just think it can be as good when it comes to perf...
by linenfort
Thu Feb 14, 2019 7:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "secret" funds
Replies: 35
Views: 7714

Re: Vanguard "secret" funds

Having posted here for a long time, and on the Morningstar board before that, my frustration is that there are those that insist that there is no way that Vanguard’s low cost active funds could perform in line with their low cost index funds. Even when Vanguard releases information that basically s...
by linenfort
Thu Feb 14, 2019 3:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "secret" funds
Replies: 35
Views: 7714

Re: Vanguard "secret" funds

However, I have no interest in convincing anyone that already believes indexing is the best way to invest, anything to the contrary. I will say that there are many active funds that are well known (usually already closed to new investors) and I and many others have been happy to receive returns tha...
by linenfort
Thu Feb 14, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Check for abandoned property -- worked twice for me
Replies: 59
Views: 10001

Re: Check for abandoned property -- worked twice for me

MikeG62 wrote: Wed Feb 13, 2019 8:23 am Isn't part of being a Booglehead being meticulous about your money?
Not everyone was born a boglehead. :happy
by linenfort
Mon Feb 11, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Check for abandoned property -- worked twice for me
Replies: 59
Views: 10001

Re: Check for abandoned property -- worked twice for me

Old thread , but I'm glad to have found it. I was trying to close a TD bank account after receiving an abandoned property warning, a letter which I believe is legit for many reasons. The check may have been lost in the mail. If I'm unable to resolve things at a bank branch, I think I'll be trying t...
by linenfort
Mon Feb 04, 2019 4:11 pm
Forum: Investing - Theory, News & General
Topic: Do you still get Vanguard year-end statements?
Replies: 9
Views: 1281

Re: Do you still get Vanguard year-end statements?

Got an answer from Vanguard: they don't generate one anymore.

Rep recommended a custom report tool on the statement page.
So that's that.

I just tried it. Not really what I was looking for, but it's something. You might like it.
by linenfort
Sun Feb 03, 2019 10:18 am
Forum: Investing - Theory, News & General
Topic: Do you still get Vanguard year-end statements?
Replies: 9
Views: 1281

Re: Do you still get Vanguard year-end statements?

Ok, HueyLD, I think you’ve touched on something. This might have more to do with account “upgrades” than a switch to full paperless. I was looking at my December statement on a small screen and it just doesn’t look like the year-end ones I used to get. Will have to check on the desktop when I get a ...
by linenfort
Sun Feb 03, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: Do you still get Vanguard year-end statements?
Replies: 9
Views: 1281

Do you still get Vanguard year-end statements?

Obviously I will contact Vanguard on a weekday, but I went paperless this year and I don’t see a year-end statement online. For years now, I’ve downloaded the monthlies online and received the year-end in the mail.

Has anyone downloaded theirs?

EDIT: Answered. post_id=4362051
by linenfort
Mon Jan 28, 2019 12:37 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 374
Views: 70571

Re: Selling all equities, discuss why I'm wrong. :)

I love it when this thread is revisited. Every time I second guess myself after stocks hit correction territory, I should just read this. I don't think that the biggest issue with market timing is getting out at a relatively 'good' time; it's getting back in that's the hard part for many people. Th...
by linenfort
Sun Jan 27, 2019 9:14 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 374
Views: 70571

Re: Selling all equities, discuss why I'm wrong. :)

I love it when this thread is revisited. Every time I second guess myself after stocks hit correction territory, I should just read this.
by linenfort
Sun Jan 27, 2019 7:14 am
Forum: Investing - Theory, News & General
Topic: What was your first Vanguard fund or ETF?
Replies: 72
Views: 5491

Re: What was your first Vanguard fund or ETF?

500, when I was small. Thanks, Dad.
by linenfort
Thu Jan 24, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 71
Views: 4683

Re: External Hard Drive?

Also, thank you for mentioning Google Takeout. It's the first thing did for my own account last summer when I was done helping my relative. While it's unsettling to learn that even one's deleted google searches, not to mention deleted emails, are all available for download, I downloaded everything, ...
by linenfort
Thu Jan 24, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 71
Views: 4683

Re: External Hard Drive?

I used to only buy Verbatim brand, but frankly, I never thought any of these discs would last. More importantly, I need to find a way to organize them.

Hard drives are so cheap that I just put everything on each new drive. And I can find all my files.
by linenfort
Thu Jan 24, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 71
Views: 4683

Re: External Hard Drive?

I’d never heard of M-disc before this thread. Interesting.

Darn, I’ve already got a spindle of 50 cheap Chinese blu-ray data discs waiting to be burned, and I don’t want to waste them.
by linenfort
Wed Jan 23, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 71
Views: 4683

Re: External Hard Drive?

... I want to back up my Dell Latitude E5530 periodically as I have some spreadsheets and other important info that is not in the cloud ...... please recommend one I can purchase online (Amazon or other. ... * Any thumb drive + Western Digital or Seagate external hard drive (I use internal drives i...
by linenfort
Sun Jan 20, 2019 11:25 am
Forum: Investing - Theory, News & General
Topic: Gold ETF "Guarantee"
Replies: 39
Views: 3101

Re: Gold ETF "Guarantee"

... People often lament that gold's value is only "cultural" or something along those lines. That's actually gold's strength. Unlike the dollar, it's not valuable just because some authority arbitrarily declares it so. Gold is valuable because the market, beyond any central authority, has...
by linenfort
Fri Jan 18, 2019 7:29 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 62798

Re: John Bogle has died at age 89

MisterMahuron wrote: Fri Jan 18, 2019 3:02 am This will get lost in the weeds but just wanted to contribute my story and say thank you to Jack and to this forum in case anyone (or possibly even a family member) reads this.

<snip>
Great story!
by linenfort
Thu Jan 17, 2019 10:17 pm
Forum: Personal Consumer Issues
Topic: What shelf liquor and your favorite cocktails?
Replies: 45
Views: 3694

Re: What shelf liquor and your favorite cocktails?

When this thread was half as long and I was struggling to log in, I wanted to say check out Badger & Blade, a forum. Great resource which was originally just about shaving, I guess, but they know their libations.

Brokers is a nice gin and not expensive.

Favorite cocktail: Aviation
by linenfort
Thu Jan 17, 2019 3:56 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 62798

Re: John Bogle has died at age 89

The man should be on our currency, whichever denomination.
by linenfort
Mon Jan 07, 2019 10:05 pm
Forum: Personal Investments
Topic: Fixed Income-CDs, Brokered CDs, T-bonds & bills
Replies: 11
Views: 1296

Re: Fixed Income-CDs, Brokered CDs, T-bonds & bills

If you had a 0% return for the next 25 years, then you could withdraw 4% annually from your money and ignore inflation. That would get you to age 100. And 4% per year is the typically recommended sustained withdrawal rate. So it looks to me like you don't have anything to worry about and you have m...
by linenfort
Tue Jan 01, 2019 10:55 pm
Forum: Personal Investments
Topic: Vanguard Bond Funds Purchase Fee
Replies: 9
Views: 3626

Re: Vanguard Bond Funds Purchase Fee

Thank you! I was going to ask Vanguard about reinvested dividends, so you also saved me the trouble. Good to know. I was just wondering, why doesn’t Vanguard make it a redemption fee instead of a purchase fee? Wouldn’t that achieve the same objective of clamping down on costs from short-term traders...
by linenfort
Tue Jan 01, 2019 9:46 am
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 7833

Re: What have you learned this year

I learned that I am still not ready to give up on dividends as part of the strategy, as I find them comforting.
by linenfort
Tue Jan 01, 2019 8:49 am
Forum: Personal Investments
Topic: Vanguard Bond Funds Purchase Fee
Replies: 9
Views: 3626

Re: Vanguard Bond Funds Purchase Fee

Old thread:

I was just wondering, why doesn’t Vanguard make it a redemption fee instead of a purchase fee? Wouldn’t that achieve the same objective of clamping down on costs from short-term traders?
by linenfort
Sat Dec 29, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: Large Fund Exchange on a Single Day?
Replies: 9
Views: 845

Re: Large Fund Exchange on a Single Day?

Good information, thanks.
I'm always curious about how these things work, even if there's likely no real impact on the investor.
by linenfort
Sat Dec 29, 2018 5:33 pm
Forum: Investing - Theory, News & General
Topic: Large Fund Exchange on a Single Day?
Replies: 9
Views: 845

Large Fund Exchange on a Single Day?

Let's say I wanted to exchange some midcap and smallcap funds for more Total Stock Market. This is all within Vanguard. Tax is not an issue. If I made the exchange on a single day, I understand that it shouldn't matter in the grand scheme of things if there is a broad market 1000-point drop. Or gain...
by linenfort
Sat Dec 29, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Why stay the course? Why not sell all?
Replies: 68
Views: 7658

Re: Why stay the course? Why not sell all?

nedsaid wrote: Sat Dec 29, 2018 3:39 pm I want International representation in my portfolio. International Bonds seem to add very little diversification benefits and in my view are entirely optional.
I hate that Int'l bonds have been added to the Target Retirement funds.
by linenfort
Fri Dec 28, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: New Online Game Teaches Investing
Replies: 5
Views: 1119

Re: New Online Game Teaches Investing

jharkin wrote: Wed Dec 26, 2018 4:04 pm
Interestingly after I completed the game it told me it was using 1986-2006 actual results? I wonder if it randomizes and uses a different period each time...
It does, yes.
by linenfort
Fri Dec 28, 2018 8:44 am
Forum: Investing - Theory, News & General
Topic: Do long-term bonds belong in one's portfolio?
Replies: 236
Views: 17084

Re: Do long-term bonds belong in one's portfolio?

I read the first page of this thread and skimmed the rest, and I don’t see any comments addressing the quote below from the OP. (Is that you? CULater = CULlen Roche?) Here are some arguments for holding long term bonds ... These are good lessons to remember. I like to think of the stock market as a ...
by linenfort
Fri Dec 28, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 60
Views: 9731

Re: Preparing for the bounce

Ok, we got a bounce. Now what? 8-) Is it a bounce or the beginning of the recovery? Can you tell me before the markets open tomorrow? The market is always interesting, isn’t it? I will continue to DCA tiny amounts into equiities, not knowing whether these little turtle eggs will flourish.
by linenfort
Wed Dec 26, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 60
Views: 9731

Re: Preparing for the bounce

Ok, we got a bounce. Now what?


8-)
by linenfort
Sun Dec 23, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: 3-Fund + Gold: Why not a good idea?
Replies: 42
Views: 4909

Re: 3-Fund + Gold: Why not a good idea?

Does a beautiful, symmetrical face have no "utility?" Gold has value as long as people value it. That's not circular logic, it's the definition of value!
It is hard to get a handle on it, though. Look at the way different currencies measure against gold.
by linenfort
Sun Dec 23, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: Begin loading the “Elephant Gun”?
Replies: 26
Views: 5361

Re: Begin loading the “Elephant Gun”?

Perhaps a form of market timing, There's no perhaps about it. Your first clue is that you began with, "I am wondering if it's time." It's always time to keep an eye on your asset allocation, but even if you drip new money into stocks on a regular basis, it could be a big mistake to start ...
by linenfort
Fri Dec 21, 2018 7:09 am
Forum: Investing - Theory, News & General
Topic: Bear Market - Mindset Expectations
Replies: 61
Views: 6832

Re: Bear Market - Mindset Expectations

Dividends.

Focusing on dividends and steady weekly purchases of new shares. That’s how I get through.
Random Walker wrote: Thu Dec 20, 2018 11:49 pm A great Warren Buffett quote is something to the effect “Bear markets are the mechanism for transfer of stocks back to their rightful owners.”
Love it! 👍
by linenfort
Thu Dec 20, 2018 5:21 am
Forum: Investing - Theory, News & General
Topic: Artemis Attack on the Bogleheads
Replies: 80
Views: 10562

Re: Artemis Attack on the Bogleheads

Remember when Mandelbrot, the father of fractals, was on the news in mid or late 2009 with his protege, Taleb? Both smart individuals. Mandelbrot said something was coming, something so bad that we haven’t seen it “since the American Revolution.” Well, the market recovered. Either stocks will crash ...
by linenfort
Wed Dec 19, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: I feel cheated, saved too much in 401K vs cash.
Replies: 74
Views: 11698

Re: I feel cheated, saved too much in 401K vs cash.

4nursebee wrote: Tue Dec 18, 2018 5:49 pm Am I off base here? I am not a high earner.
I don't feel cheated, but I gave up plowing money into a solo 401(k) in my early 40's. New funds: It's been just Roth and taxable for a while now.
Also not a high earner.
by linenfort
Thu Dec 13, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 139
Views: 14373

Re: [Anyone drop cable for YouTube TV?]

This is tangential but I heard on the radio that Youtube Originals will become free.
Here's a link - https://techcrunch.com/2018/11/28/youtu ... d-by-2020/
by linenfort
Thu Dec 06, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 14309

Re: Who else is getting excited?

Remember in 2008-9 when a young investor started a thread here? Something like, "This twentysomething is VERY excited about the downturn." Very understandable, but she was roundly lambasted by all the people in or nearing retirement. Also understandable.
by linenfort
Tue Dec 04, 2018 8:59 am
Forum: Investing - Theory, News & General
Topic: I'm up 5% ytd and I will take it
Replies: 55
Views: 6598

Re: I'm up 5% ytd and I will take it

I think everything you've said and assume hinges on one word, "If" (as in " If I can end the year at 7%..." You might want to consider history as an example when using the word " If ": A prominent example involves Philip II of Macedon. After invading southern Greece an...
by linenfort
Thu Nov 29, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 94
Views: 8009

Re: Is good, quality luggage worth the price?

Zippers are the weak part of luggage. So focus on the zipper rather than the bag. <snip> The easiest way to tell if you have a chain zipper is the teeth are made of metal. YYK makes a great zipper. I only buy bags with YYK metal zippers. Indeed, zippers are important. I found out in my twenties, wh...
by linenfort
Thu Nov 29, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 94
Views: 8009

Re: Is good, quality luggage worth the price?

I never had a Briggs & Riley piece, but I finally gave in to those incessant Away luggage ads and got a midsize roller for when I can't fit everything into my backpack. It's fantastic. care to elaborate on your Away luggage experience? Did you get the medium or bigger carry-on? When I wrote “mi...
by linenfort
Mon Nov 26, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Windows to Android file transfer over Wifi?
Replies: 7
Views: 529

Re: Windows to Android file transfer over Wifi?

If you obtain a free Telegram account, you can instantly send files between computers, tablets and phones.
by linenfort
Mon Nov 26, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 94
Views: 8009

Re: Is good, quality luggage worth the price?

I never had a Briggs & Riley piece, but I finally gave in to those incessant Away luggage ads and got a midsize roller for when I can't fit everything into my backpack. It's fantastic.
by linenfort
Mon Nov 19, 2018 9:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 225
Views: 22364

Re: Vanguard lowering Admiral level to $3,000?

Interesting. It does say $3,000 on the official page.
https://investor.vanguard.com/mutual-fu ... file/vbtlx

P.S. Here’s the page on the change. 38 index funds.
https://investornews.vanguard/our-index ... en-better/
by linenfort
Mon Nov 19, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 806
Views: 183636

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

It seems the archive links are broken on the Harry Browne website. linenfort, have you considered sharing the show episodes with the forum? Yes, in fact I PM'ed GRP about it many times when s/he asked for the files. Those PMs are marked read but GRP never said a peep about it by message or here on ...
by linenfort
Sun Nov 18, 2018 9:16 pm
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 806
Views: 183636

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

The second screenshot clearly shows TSM funds are not appropriate for the PP. Browne recommends smaller, more volatile and aggressive stocks. Keep in mind that this was published back in 1987, so phrases like "small cap value" were not in vogue. While that’s true for 1987, he definitely s...
by linenfort
Sat Nov 17, 2018 5:55 am
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 806
Views: 183636

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

The second screenshot clearly shows TSM funds are not appropriate for the PP. Browne recommends smaller, more volatile and aggressive stocks. Keep in mind that this was published back in 1987, so phrases like "small cap value" were not in vogue. While that’s true for 1987, he definitely s...
by linenfort
Fri Nov 16, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: New Online Game Teaches Investing
Replies: 5
Views: 1119

Re: New Online Game Teaches Investing

Doesn’t work on my tablet, but I’m looking forward to trying it on a desktop.

Edit: fun!