Search found 1053 matches

by Dead Man Walking
Sat Apr 03, 2021 5:05 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2750
Views: 273858

Re: [What TV Show Have You Recently Watched?]

Clarice on CBS is based on the character Clarice Starling from Silence of the Lambs . She is suffering from PTSD caused by her previous experiences as an FBI agent. She is in therapy for PTSD while trying to solve a case involving a coverup of corporate malfeasance. The rest of the cast also suffer...
by Dead Man Walking
Sun Mar 21, 2021 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2020 tax refund?
Replies: 130
Views: 10874

Re: How quickly did you receive your 2020 tax refund?

Accountant filed on 3/4/20.
Received $1,400 IRS Stimulus on 3/18/20.
Received tax refund on 3/19/20.

Processing the stimulus payments may have delayed the payment of income tax refunds.
by Dead Man Walking
Sat Mar 20, 2021 3:43 am
Forum: Personal Finance (Not Investing)
Topic: Any long term early retirees here?
Replies: 41
Views: 6604

Re: Any long term early retirees here?

Been retired on defined benefit pension with no cola for 21 years. Since we live a modest lifestyle, we’ve been able to live comfortably and continue to save about 10% of our income. We’ve paid cash for 3 new cars, several home improvements, and significant contributions to our favorite charities. O...
by Dead Man Walking
Tue Mar 16, 2021 5:24 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1051
Views: 47690

Re: Bird watchers – what birds are you seeing?

Anyone have any good tips on bird baths/fountains to attract birds? Thanks! Having trees and shrubs in the yard where you have a feeder and bird bath helps a lot. Birds want shelter in same area where they eat bathe. Yes; they need an escape route. Have had to explain that to neighbor who puts feed...
by Dead Man Walking
Mon Mar 15, 2021 11:06 pm
Forum: Personal Investments
Topic: VG is nagging about transitioning account
Replies: 195
Views: 17683

Re: VG is nagging about transitioning account

Once mutual fund accounts are transitioned to brokerage, does Vanguard issue a single consolidated statement for taxable, Roth IRA and pre-tax IRA accounts? With mutual funds, I get two statements, one for pre-tax IRA and taxable accounts and one for ROTH IRA account. I transitioned to the brokerag...
by Dead Man Walking
Sat Mar 06, 2021 5:40 pm
Forum: Personal Consumer Issues
Topic: What are your alternatives to big name brands, like Amazon?
Replies: 72
Views: 4977

Re: What are your alternatives to big name brands, like Amazon?

I use the locally owned Ace Hardware for many items that I could buy at Walmart, Lowe’s, or Amazon. They are slightly more expensive on some items; however, they email coupons that often make up the price difference. The store is close to my house, and they never hassle me when I return an item.

DMW
by Dead Man Walking
Tue Mar 02, 2021 1:19 pm
Forum: Investing - Theory, News & General
Topic: Does anyone have "fun" ETFs?
Replies: 62
Views: 3437

Re: Does anyone have "fun" ETFs?

Predictable responses. I asked about "fun" etfs in the headline, and "fun money" in the text. Not a Soviet-style recitation of BH principles. You’ve been advised to search the website for threads on this topic. If everyone followed that advice, there would be darn few new posts ...
by Dead Man Walking
Tue Mar 02, 2021 12:42 pm
Forum: Personal Investments
Topic: All One's Eggs in One Basket?
Replies: 44
Views: 5065

Re: All One's Eggs in One Basket?

When my wife retired, we transferred her Fidelity account to Vanguard which meant that all of our investment accounts were at Vanguard. Our investments were in Vanguard mutual funds, and we were happy with the mutual fund platform because of the comprehensive annual statements. After reading threads...
by Dead Man Walking
Sat Feb 27, 2021 11:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Factor ETFs 3 Year Birthday!
Replies: 10
Views: 1154

Re: Vanguard Factor ETFs 3 Year Birthday!

Vanguard Global Minimum Volatility Fund (mutual fund) has $3.1 billion AUM. It’s not a stellar performer. It is marginally less volatile than the global market. I’ve owned it for about a year and am waiting for it to live up to its name.

DMW
by Dead Man Walking
Fri Feb 26, 2021 4:53 pm
Forum: Personal Investments
Topic: Vanguard asks for employer/income during account transition
Replies: 50
Views: 6186

Re: Vanguard asks for employer/income during account transition

I’m not sure what constitutes net worth . Does it include my house, cars, lawn tractors, power equipment, tools, guns, jewelry, computers, antiques, and miscellaneous chattels in addition to my investments and savings. My mother had a collection of antique china, figurines, etc. that was worth more ...
by Dead Man Walking
Sun Feb 14, 2021 5:35 pm
Forum: Investing - Theory, News & General
Topic: Overweighting VWO because of China!
Replies: 56
Views: 4171

Re: Overweighting VWO because of China!

I’m retired and have a very conservative portfolio; however, I invest about 2% of my portfolio for fun. My current fun tilt is invested in Matthew’s China Small Companies and Matthew’s Asia Innovators. The ERs are over 1% and the portfolios are concentrated, which is enough to make most Bogleheads a...
by Dead Man Walking
Sun Feb 14, 2021 5:08 pm
Forum: Investing - Theory, News & General
Topic: Active vs. Passive autopilot funds
Replies: 22
Views: 5022

Re: Active vs. Passive autopilot funds

I can’t believe that this post from 2007 has been revived! I did the original research for a friend who wanted one fund that adhered to Sharpe’s theory that an investor should own a global cap weighted portfolio of stocks and bonds. I couldn’t find one then and haven’t heard of such a fund. My frien...
by Dead Man Walking
Thu Feb 11, 2021 12:52 pm
Forum: Personal Investments
Topic: Are Bogleheads still investing at Vanguard?
Replies: 132
Views: 11603

Re: Are Bogleheads still investing at Vanguard?

I wonder if those who choose to stay at Vanguard primarily due to the "client-owner" structure recognize that any benefits of that structure inure to the fund investors, not merely to brokerage customers? From Vanguard: "Vanguard is client-owned. As a client-owner, you own the funds ...
by Dead Man Walking
Mon Feb 08, 2021 10:59 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2750
Views: 273858

Re: [What TV Show Have You Recently Watched?]

Wife and I are watching Your Honor on Showtime and enjoying the suspense. We enjoy watching limited series shows because they have the feeling of reading a novel. The performance of the actors is frequently exceptional.

DMW
by Dead Man Walking
Sat Jan 30, 2021 7:21 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1051
Views: 47690

Re: Bird watchers – what birds are you seeing?

I observed juncos, chickadees, cardinals, and nuthatches perched in a sweetgum tree watch 4 deer eating from the feeder.

DMW
by Dead Man Walking
Fri Jan 29, 2021 2:33 pm
Forum: Investing - Theory, News & General
Topic: Low cost Chinese S&P500 type funds?
Replies: 27
Views: 2627

Re: Low cost Chinese S&P500 type funds?

The low cost alternatives have been mentioned. If you are really interested in China funds, you may want to investigate Matthews Asia funds. They are not low cost!

DMW
by Dead Man Walking
Fri Jan 29, 2021 1:59 pm
Forum: Personal Investments
Topic: Vanguard checkwriting cancelled after inactivity
Replies: 28
Views: 2282

Re: Vanguard checkwriting cancelled after inactivity

A few years ago, Vanguard sent me an email stating that I had to write a check on my account by a certain date or my check writing privileges would be cancelled. I followed the instructions that I was given and the check bounced. When I called Vanguard, the service representative was not surprised a...
by Dead Man Walking
Thu Jan 21, 2021 1:45 pm
Forum: Personal Investments
Topic: I have learned my lesson. No more preaching finances to my friends or family
Replies: 119
Views: 14459

Re: I have learned my lesson. No more preaching finances to my friends or family

livesoft wrote: Thu Jan 21, 2021 1:15 pm
teacher2163 wrote: Thu Jan 21, 2021 12:49 pm I guess I realized I shouldn't be giving unsolicited advice if I was going to get upset when someone didn't listen to me.
That never stopped me from writing my congressman nor senator.
Livesoft,

Did either ever respond with anything other than a canned response sent by a staffer?

DMW
by Dead Man Walking
Sat Jan 16, 2021 12:52 am
Forum: Investing - Theory, News & General
Topic: On what are you most bullish?
Replies: 266
Views: 18223

Re: On what are you most bullish?

Marketing via the internet. Covid-19 accelerated this trend.

DMW
by Dead Man Walking
Sun Jan 10, 2021 3:33 pm
Forum: Investing - Theory, News & General
Topic: The new and bigger irrational exuberance
Replies: 134
Views: 10512

Re: The new and bigger irrational exuberance

At the root of all that is the ZIRP being pursued by central bankers. Couple that with record deficits, which guarantee more supply of bonds, and also lock in a budget problem should rates rise, because any borrowing done at the short end has to be rolled at higher rates. Taxes cannot square this, ...
by Dead Man Walking
Fri Jan 08, 2021 4:27 pm
Forum: Investing - Theory, News & General
Topic: Investing in today’s interest rate environment
Replies: 2
Views: 396

Investing in today’s interest rate environment

John Rekenthaler has an article at Morningstar that discusses investing in a low interest rate and low bond yield environment. Traditional equity/bond investors are caught between a rock and a hard place when investing in bonds is essentially secure mattress stuffing.

DMW
by Dead Man Walking
Tue Jan 05, 2021 12:07 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2750
Views: 273858

Re: [What TV Show Have You Recently Watched?]

Season 11 of Shameless on Showtime has been disappointing! Episodes 91 and 92 have been nothing but clips from previous seasons. Boring!

DMW
by Dead Man Walking
Mon Jan 04, 2021 11:56 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6548
Views: 1450123

Re: What Movie Have You Recently Watched?

Casablanca on Turner Classic Movies. I recorded it with my DVR. It’s amazing how many lines from this film are cliches.

DMW
by Dead Man Walking
Mon Jan 04, 2021 11:35 pm
Forum: Investing - Theory, News & General
Topic: Nobody Knows Nothing
Replies: 5
Views: 1732

Re: Nobody Knows Nothing

Bogle’s double negative drives me crazy, but he was right.

DMW
by Dead Man Walking
Mon Jan 04, 2021 11:28 pm
Forum: Investing - Theory, News & General
Topic: Life Insurance
Replies: 26
Views: 1588

Re: Life Insurance

Anyone purchasing life insurance should chose term insurance. However, many folks purchased life insurance decades ago and have accumulated dividends in the form of paid-up additional insurance. For those folks, the best option may be to apply future dividends to the premium payment and pay the diff...
by Dead Man Walking
Mon Jan 04, 2021 3:03 pm
Forum: Personal Investments
Topic: Vanguard PAS for Surviving Spouse
Replies: 11
Views: 862

Re: Vanguard PAS for Surviving Spouse

I have no personal experience with PAS; however, from what I’ve read in threads here, the portfolios PAS advisors design are similar to the portfolios of the Life Strategy Funds. If one of the Life Strategy Funds is similar to the asset allocation that you desire, you could invest in one of them and...
by Dead Man Walking
Sat Jan 02, 2021 3:10 pm
Forum: Personal Investments
Topic: What happened to Flagship Reps?
Replies: 85
Views: 6955

Re: What happened to Flagship Reps?

Flagship customers with multimillion dollar portfolios can complain all they want. Assets under management are 6.2 trillion dollars; millions don’t mean much when trillions are involved. Of course, Fidelity and Schwab don't have trillions under management. Right? :oops: And is all 6.2 trillion from...
by Dead Man Walking
Fri Jan 01, 2021 1:55 pm
Forum: Personal Investments
Topic: What happened to Flagship Reps?
Replies: 85
Views: 6955

Re: What happened to Flagship Reps?

Perhaps everything you write is 100% correct. But what proof do you possess that allows you to make those statements? If you have numbers to support them, please present them to bolster your claims. Have you looked at funds flows, Vanguard versus everybody else? Apparently something is drawing doll...
by Dead Man Walking
Tue Dec 29, 2020 12:57 pm
Forum: Personal Investments
Topic: What happened to Flagship Reps?
Replies: 85
Views: 6955

Re: What happened to Flagship Reps?

Is the service any better with PAS?

DMW
by Dead Man Walking
Mon Dec 28, 2020 9:13 pm
Forum: Personal Consumer Issues
Topic: Very very warm Men’s Winter Coat
Replies: 67
Views: 5436

Re: Very very warm Men’s Winter Coat

I bought a Columbia parka at Kohl’s a couple of years ago that is well insulated and relatively light in terms of the weight one has to carry around. It’s warm at zero degrees F with a sweatshirt underneath it. I’m in my seventies. It was on sale at about this time of year.

DMW
by Dead Man Walking
Fri Dec 25, 2020 3:51 pm
Forum: Investing - Theory, News & General
Topic: Looking to truly understand “ability, willingness and need to take risk“ concept
Replies: 55
Views: 3894

Re: Looking to truly understand “ability, willingness and need to take risk“ concept

The ability, willingness, and need to take risk concept is difficult for many investors in the current environment. How the zero interest rate concept pans out will have a significant impact on the portfolios of those in the accumulation phase as well as those in the withdrawal phase. Investors may ...
by Dead Man Walking
Fri Dec 25, 2020 3:34 pm
Forum: Investing - Theory, News & General
Topic: Cap weight vs sector weight vs equal weight
Replies: 15
Views: 869

Re: Cap weight vs sector weight vs equal weight

I think that I read that the 10 largest stocks in the S&P 500 account for 25-30% of its value. The advisor was probably referring to that stat. I have a slight tilt to small caps that has not contributed to the performance of my portfolio. YMMV

DMW
by Dead Man Walking
Fri Dec 25, 2020 3:17 pm
Forum: US Chapters
Topic: "The Hills of Bastogne"
Replies: 93
Views: 6225

Re: "The Hills of Bastogne"

My uncle was there and my father wasn’t very far away. I recently went through a box of my father’s possessions that I retrieved from my parent’s home when my mother died. My father had received a citation from the Belgians for his service in the army air corps during the conflict. You may have rece...
by Dead Man Walking
Wed Dec 23, 2020 10:39 pm
Forum: Investing - Theory, News & General
Topic: Does one need a bank account anymore?
Replies: 139
Views: 12981

Re: Does one need a bank account anymore?

Many small businesses in the rural area where I live give discounts for paying with cash. I’ve learned to ask for a discount when paying with cash. I often ask if they are willing to pay Visa 3% so that I can get 1.5% cash back. Many are willing to give me a discount for paying with cash. My dentist...
by Dead Man Walking
Sat Dec 19, 2020 7:34 pm
Forum: Personal Consumer Issues
Topic: Are Strong Passwords Really Necessary?
Replies: 313
Views: 15484

Re: Are Strong Passwords Really Necessary?

I believe that strong passwords are effective. However, I wonder if a long complicated user name would add another layer of protection. My bank user name is just as complicated as my password and is several characters longer. Perhaps, I am just taking more time to login.

DMW
by Dead Man Walking
Sat Dec 19, 2020 7:07 pm
Forum: Personal Investments
Topic: VG is nagging about transitioning account
Replies: 195
Views: 17683

Re: VG is nagging about transitioning account

Can't you just log in and click to convert? Why the need to call at all? I have some questions that I prefer a Vanguard representative answer on a recorded line. As a customer for more than 40 years, I think that I’m owed some handholding, especially since I have called for service about a dozen ti...
by Dead Man Walking
Fri Dec 18, 2020 8:08 pm
Forum: Personal Investments
Topic: VG is nagging about transitioning account
Replies: 195
Views: 17683

Re: VG is nagging about transitioning account

I’m transitioning my taxable investments to a brokerage account that I have with another firm so that I only have to deal with one statement at tax time. I’ve maintained a taxable account at Vanguard because the comprehensive year end statements were fantastic for record keeping and tax filing. I pl...
by Dead Man Walking
Wed Dec 16, 2020 2:00 pm
Forum: Personal Investments
Topic: How do you track your investments?
Replies: 98
Views: 7240

Re: How do you track your investments?

KirklandCoug wrote: Tue Dec 15, 2020 7:37 pm I use Morningstar. You have to update your amount of holdings but it does update everything else daily.
+1
by Dead Man Walking
Sat Dec 12, 2020 12:45 am
Forum: Investing - Theory, News & General
Topic: VMVFX Vanguard Global Minimum Volatility Fund
Replies: 15
Views: 1506

Re: VMVFX Vanguard Global Minimum Volatility Fund

Garland Whizzer explained what happened with the VMVFX portfolio during the pandemic. In order to compare the performance of funds that I own with their appropriate index, I track most of Vanguard’s equity index funds at Morningstar along with a few active funds that I own. Over the past 3 months, s...
by Dead Man Walking
Tue Dec 08, 2020 7:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard explains why they expect international outperformance
Replies: 122
Views: 10894

Re: Vanguard explains why they expect international outperformance

Vanguard’s Life Strategy and Target Retirement funds have significant allocations to both international equities and international bonds. Did anyone think that they would publish an article stating that their allocations were going to underperform? DMW Are you suggesting that vanguard built a model...
by Dead Man Walking
Tue Dec 08, 2020 4:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard explains why they expect international outperformance
Replies: 122
Views: 10894

Re: Vanguard explains why they expect international outperformance

Vanguard’s Life Strategy and Target Retirement funds have significant allocations to both international equities and international bonds. Did anyone think that they would publish an article stating that their allocations were going to underperform? The diversification argument may be wearing a littl...
by Dead Man Walking
Sat Dec 05, 2020 7:08 pm
Forum: Investing - Theory, News & General
Topic: Can anyone reach Vanguard on the phone?
Replies: 173
Views: 14222

Re: Can anyone reach Vanguard on the phone?

Someone above mentioned that this may be related to the COVID-19 pandemic. I drive past a call center on my way to my endocrinologist. The call center has an employee parking lot that covers several acres. When I drove by in late October, the parking lot was about 10% filled. It’s usually filled to ...
by Dead Man Walking
Sat Dec 05, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: Tire air pressure monitoring system sensitivity
Replies: 16
Views: 1137

Re: Tire air pressure monitoring system sensitivity

Every winter the tire air pressure warning light on the dashboard of my 2014 Honda CRV lights up. When I check the air pressure in the tires, the pressure is within one pound of the recommended air pressure. My guess is that the device you are using to verify the tire pressure is not as accurate as...
by Dead Man Walking
Sat Dec 05, 2020 1:00 am
Forum: Personal Consumer Issues
Topic: Tire air pressure monitoring system sensitivity
Replies: 16
Views: 1137

Tire air pressure monitoring system sensitivity

Every winter the tire air pressure warning light on the dashboard of my 2014 Honda CRV lights up. When I check the air pressure in the tires, the pressure is within one pound of the recommended air pressure. Of course, the air pressure in the tires decreases as the air temperature falls. A one pound...
by Dead Man Walking
Sat Dec 05, 2020 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard has issues with QCDs on 10/19/20, is a continuing issue
Replies: 52
Views: 4417

Re: Vanguard has issues with QCDs on 10/19/20, is a continuing issue

Phantoms - I am awaiting delivery of a special QCD check ordered earlier this week and concerned about the payee line on the check. I went online tonight to my account and went to Balances & Holdings>Transaction History under the particular account the money was coming out of>Sell Date and it s...
by Dead Man Walking
Wed Dec 02, 2020 12:36 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 278
Views: 32041

Re: What is your favorite reasonably priced bourbon?

I can’t believe that my post has survived for over 3 years! I’m working my way through the suggestions of my fellow Bogleheads. You are connoisseurs of traditional American spirits. Of course, some might say that white lighting is the traditional American booze. I can’t argue with that point of view...
by Dead Man Walking
Sun Nov 29, 2020 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone use an accountant for personal taxes?
Replies: 146
Views: 9823

Re: Does anyone use an accountant for personal taxes?

Did our taxes manually for over 50 years. When Congress “simplified” the tax code a couple of years ago, I decided to use an accountant due to my advanced age and my wife’s ignorance of the process. It sure is nice to drop off the data at his office and pick up the completed forms in several days. ...
by Dead Man Walking
Sun Nov 29, 2020 12:40 am
Forum: Personal Investments
Topic: Problem with turning over all of your money to one custodian, Vanguard
Replies: 50
Views: 6482

Re: Problem with turning over all of your money to one custodian, Vanguard

I had consolidated all of our accounts at Vanguard several years ago. I liked the annual statements that we received under the mutual fund platform. After reading the posts about failures of Vanguard’s website and their insistence that we convert to the brokerage platform, we decided to transfer ou...
by Dead Man Walking
Fri Nov 27, 2020 2:38 pm
Forum: Personal Investments
Topic: Problem with turning over all of your money to one custodian, Vanguard
Replies: 50
Views: 6482

Re: Problem with turning over all of your money to one custodian, Vanguard

I had consolidated all of our accounts at Vanguard several years ago. I liked the annual statements that we received under the mutual fund platform. After reading the posts about failures of Vanguard’s website and their insistence that we convert to the brokerage platform, we decided to transfer our...
by Dead Man Walking
Thu Nov 26, 2020 2:24 am
Forum: Personal Investments
Topic: Alternatives to Vanguard, IT issues
Replies: 83
Views: 5390

Re: Alternatives to Vanguard, IT issues

In many of my posts about the Vanguard transition to brokerage accounts, I’ve been accused of being an old fart suffering from future shock. My complaint is about the crappy annual statements that are provided by the brokerage account platform. For all of you hip investors, get with the times - buy ...