Bogleheads.org

linenfort

.....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...

linenfort

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...

linenfort

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...

linenfort

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.

linenfort

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...

linenfort

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.

linenfort

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 ...

linenfort

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

linenfort

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...

linenfort

I love it when this thread is revisited. Every time I second guess myself after stocks hit correction territory, I should just read this.

linenfort

500, when I was small. Thanks, Dad.

linenfort

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, ...

linenfort

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.

linenfort

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.

linenfort

... 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...

linenfort

... 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...

linenfort

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!

linenfort

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

linenfort

The man should be on our currency, whichever denomination.

linenfort

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...

linenfort

I max fund immediately and buy gradually.

linenfort

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...

linenfort

I learned that I am still not ready to give up on dividends as part of the strategy, as I find them comforting.

linenfort

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?

linenfort

Good information, thanks.
I'm always curious about how these things work, even if there's likely no real impact on the investor.

linenfort

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...

linenfort

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.

linenfort

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.

linenfort

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 ...

linenfort

gold and t-bills

linenfort

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.

linenfort

Ok, we got a bounce. Now what?

linenfort

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.

linenfort

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 ...

linenfort

I should have paid more attention in September.

linenfort

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!

linenfort

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 ...

linenfort

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.

linenfort

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/

linenfort

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.

linenfort

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...

linenfort

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...

linenfort

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...

linenfort

If you obtain a free Telegram account, you can instantly send files between computers, tablets and phones.

linenfort

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.

linenfort

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/

linenfort

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 ...

linenfort

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...

linenfort

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...

linenfort

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

Edit: fun!

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