Bogleheads.org

Since you mentioned you had an iPad, have you checked out Swift Playgrounds?

Designairohio wrote: ↑Mon Jul 29, 2024 7:07 am Good morning Cleveland Bogleheads,

I have secured the meeting room at the Independence Library from 10am-12pm on August 24th

I’m looking forward to meeting everyone.

Ken

Count me in. I'll be there.
I'll also bring along a few extra investment-related books to give away if anyone is looking for something to read, including Bogle's Little Book of Common Sense Investing and Swensen's Unconventional success.

However, these monitors are generally going to be a step down in image quality from the iMac, in part because of MacOS's scaling limitations. The only way to get equivalent or better image quality is with a Studio Display or better. How much worse is a 27" 4k monitor than what Mac offers? I've worked on Retina screens for the last 4 or so years, so I don't know if it would drive me crazy to go to a "worse" looking monitor or not... You want something with 110 (non-retina) or 220 (retina) pixels per inch because of the Mac scaling. Your standard 27 inch 4K monitor has a PPI of 163, which is in the bad zone and why they never look great and have to scale in not the most advantageous way. Check out this article for an explanati...

Looking at Schwab's latest second quarter results, it looks like net interest revenue is over 46% of their total income.

I assume you're not on the beta of Sequoia. Tuning for speed is one of the last things they do to get out of beta.

How many browser tabs do you have open? After about 400-450 tabs, you may run into RAM issues (although probably not an issue with a Pro). If you do have a bunch, it could be some bad code in one of the tabs. I'd bookmark them all into a folder (assuming they're important) and then go to only one open tab and see if the problem goes away.


Bob
(who regularly has 400+ tabs open in Safari )

JayB wrote: ↑Mon Jul 22, 2024 5:13 pm Reportedly, web site owners are placing increasingly large amounts of content out of the reach of AI training by specifying that limitation in robots.txt files that normally sit in the root directory. I was unable to find a robots.txt file at all for bogleheads.org, but that would seem like a good idea.

This.
I use a robots.txt file on all of my web servers. It works much better than you would ever think it would as far as others respecting it.

yankees60 wrote: ↑Mon Jul 22, 2024 12:00 pm Tangential question. Safari used to Be able to run on windows computers but that stopped at 1 point?

Safari for Windows was 2007-2012.

I've always liked Jack Bogle's more general Basic Asset Allocation Model from his first book Bogle on Mutual Funds.

65% DFAW
35% DFSD (Dimensional Short Duration Fixed Income ETF, benchmarked to 1-5 Year US Corporate & Government Index)

Something I wish I knew when I bought my 27" 4K monitor - google "macbook match external display pixel density" and you'll get a trove of information about how to match your macbook's native resolution to an external monitor. In my experience this makes a much bigger difference to the appearance of text than anything else. My second monitor was a 27" but 2560x1440, which is close to matching for non-4K performance. Works great. If you want true ultraHD performance from a macbook external display you'll have to pay a lot for it - macs don't play the best with 27" 4K monitors - scaling is passable but not ideal. This ^^^ You want something with 110 or 220 pixels per inch because of the Mac scaling. Your standard 27 i...

It's absolutely feasible. We just sold a house where not only was there a curve on the staircase itself, but like the staircase in your first photo, we had a 90 degree turn at the top and a 180 degree turn at the bottom where the chair would turn around the base of the staircase and park itself out of the way beside the stairs. Worked flawlessly and was really no different than the totally straight stairlift we had going down to the finished basement. The only real difference was that they used some kind of laser-thingy to measure the actual stair heights and curvature to make rail that exactly matched the staircase, as opposed to standard straight rails. Of course that made it more expensive, but oh well, cheaper than moving to a ranch hou...

According to Vanguard:

In the earlier stages of an investor's life cycle, wage increases and higher real-returning assets such as equities can hedge against inflation. But as an investor nears and enters retirement, it becomes much more difficult to add to a portfolio through additional earnings. In these later stages, the risk of inflation becomes pronounced enough to warrant including tools that provide direct inflation protection.

So, basically, in line with target date funds, add some TIPS when your stock allocation goes below 50%.

Click the compare button, there’s a ‘growth of $10,000’ chart there.

According to Morningstar, FSKAX has a better 3-year tax cost ratio than two of the most often mentioned total-market ETFs.

FSKAX: 0.43
VTI: 0.48
ITOT: 0.60

Fclevz wrote: ↑Fri Jul 15, 2022 9:38 pm IDAGIO

+1 for IDAGIO. It’s by far the best paid service for classical music. Or, if you’re just looking for a radio station type of streaming, I also like Venice (Italy) Classic Radio at https://www.veniceclassicradio.eu/en/index.php

I was able to log in at 10:30 pm Eastern time. But, it only showed my balance - luckily correct - and nothing else, no other links or tabs or anything on the page other than the balance number and a 'log off' button.

According to Schwab, ThinkOrSwim is here to stay.

https://welcome.schwab.com/?aff=WKW

Count me in on resuming our meetings.

Some of Larry Swedroe's best advice: Don't confuse strategy with outcome.

https://web.archive.org/web/20121129173 ... t-outcome/

VanGar+Goyle wrote: ↑Thu Apr 07, 2022 6:30 pm

CyberBob wrote: ↑Wed Apr 06, 2022 3:13 pm Exactly 1 year.

Submitted and accepted electronically April 6, 2021.
"Processed" April 26, 2021 (according to transcript).
Received check in the mail April 6, 2022.

No errors, no extra tax owed, no stimulus payment issues, submitted electronically, so no idea what took so long.
On the plus side, the check included quite a bit of interest. Much more than any savings account or CD available over the last year

When was the IRS check dated? The check delay was after processing, so could have been IRS or US Post Office issue.
Did they pay you the 3% interest for the entire year?

Check dated April 1.
3% interest from the processed date to April 1.

My refund took exactly 1 year

E-filed and accepted April 6, 2021.
Received check in the mail April 6, 2022.

No errors, no extra tax owed, no stimulus payment issues, submitted electronically, so no idea what took so long.
On the plus side, the check included quite a bit of interest. Much more than any savings account or CD available over the last year

Exactly 1 year.

Submitted and accepted electronically April 6, 2021.
"Processed" April 26, 2021 (according to transcript).
Received check in the mail April 6, 2022.

No errors, no extra tax owed, no stimulus payment issues, submitted electronically, so no idea what took so long.
On the plus side, the check included quite a bit of interest. Much more than any savings account or CD available over the last year

I forgot to mention that using form 1116 our tax credit would be only $486 this year. So by claiming the $600 max credit allowed without filing the 1116 we would come out $114 ahead this year. That's why you have to fill out the form 1116. The $300/$600 limits are sort of freebies from complexity for smaller amounts, but don't reflect how the actual credit amount is calculated. The actual foreign tax credit may be less than those because it is actually defined as: Your foreign tax credit cannot be more than your total U.S. tax liability multiplied by a fraction. The numerator of the fraction is your taxable income from sources outside the United States. The denominator is your total taxable income from U.S. and foreign sources. (IRS Public...

The mention of Rip Van Winkle in the article reminded me of the Jason Zweig Money magazine article where Jack Bogle and Bill Bernstein both suggested portfolios that you could hold for 20 years without changing.

The Rip Van Winkle Portfolio

I assumed it was going to be equal thirds of domestic stock, international stock, and bonds.

That would be a fine portfolio and has even been recommended by Bill Bernstein in “If You Can”, and Andrew Tobias in “The only Investment Guide You’ll Ever Need.”

But, instead, the recommended third in venture capital and private equity and debt seems more like a pitch for something with a high commission.

It’s not the detergent so much as the amount of it. We solved our etching problem with soft water simply by using less detergent. Forget the pacs, as they are too much. We also use Cascade and Finish, but never more than half (or less) of the recommended amount. No problems getting dishes clean.

stan1 wrote: ↑Mon Jan 10, 2022 12:09 pm File electronically if at all possible.

Electronic filing didn’t help in my case. Over 9 months and counting for my 2020 return.
Some services will be down due to planned maintenance until January 22nd too.
I’m beginning to think I’ll be filing for 2021 before I get my 2020 return

Logitech MX Master 3
Vertical and horizontal scroll wheels
4,000 DPI resolution
Electromagnetic scrolling up to 1,000 lines a second

Windows 10 or 11: https://www.logitech.com/en-us/products ... ter-3.html
Mac 10.15+: https://www.logitech.com/en-us/products ... 05693.html

If you have a newer iPhone, it has e-sim capability. So without needing a physical sim, replacement is essentially instantaneous once you have new hardware in hand.

“ The reason to avoid China's equity markets can be summarized in one word: dilution.

The best estimates are that the Chinese equity markets dilute their share pools on the order of about 20% per year, so even if the country is growing its GDP and corporate profits at slightly less than 10% pa, they can't keep up on a per-share basis.

This is borne out by the MSCI China index, which since 12/31/92 has had a total return of 1.6% in nominal dollar terms, or less than zero in real terms.

The problem, of course, is that if you're indexing Emerging Markets, there's no way to avoid the country's ~30% weighting in most indexes. ”

— Bill Bernstein

viewtopic.php?p=5261908#p5261908

Larry Swedroe’s best advice: “Don’t confuse strategy and outcome.”

https://web.archive.org/web/20121129044 ... t-outcome/

SnowBog wrote: ↑Tue Nov 16, 2021 6:03 pm I've also looked into going to Iceland for Northern Lights. Covid put that on pause...

Having lived in both Fairbanks, Alaska and in Iceland, I would say that the lights were much more intense and more frequent in Fairbanks.

AQ wrote: ↑Tue Nov 02, 2021 9:36 pm e-filed in September. Two months later, still waiting... how long should I wait before I try something else?

E-filed first week of April, so 7 months and counting for me …”Your return is still being processed”. So much for e-file being faster.

At least, under my IRS account, it shows zero owed by me, which is correct, so they aren’t badgering me about payment. Unfortunately, there doesn’t seem to be much we can do to badger them about payment.

Kenkat wrote: ↑Mon Oct 25, 2021 11:18 am 2 passenger or maybe 2+2 as long as back seat passengers are miserable

I had a Ford EXP back in 1982. It had the same platform and powertrain as a Ford Escort. My insurance company priced the Escort insurance cheaply as it was a 'compact sedan' in their eyes. My EXP, again with the exact same powertrain, was priced for insurance as a 'sports car' for the sole reason that it was a two seater.

E-filed April 6, so over 6 months and counting for me.

98% index mutual funds
2% money market mutual fund

Kagord wrote: ↑Sun Oct 03, 2021 9:00 am

whodidntante wrote: ↑Sat Oct 02, 2021 9:18 pmLynx.

That's a little heavy weight isn't it? curl is so much better for the true HTML experience, and it's compatible with every web site.

I was thinking w3m

GerryL wrote: ↑Sat Oct 02, 2021 1:15 pm I also noted -- and was surprised -- that she did not mention the Bogleheads.

I recently happened upon one of her previous articles entitled Simplify Your Investment Plan where she mentions that The Bogleheads' "Three-Fund Portfolio" is the ultimate in elegant minimalism.

S&P Global 1200
Global Dow
Dow Jones Global Titans

pshonore wrote: ↑Mon Aug 30, 2021 2:53 pm I e-filed my return on 4-16-21. It was accepted the same day. Where's my refund says "Your tax return is still being processed - A refund date will be provided when available". Its a fairly simple return with 1099R and SS Income. Standard deduction. I can understand delays with mail in returns but this just seems very odd. Can you imagine a bank or other financial institution trying to get away with such behavior?

Similar situation for me, over 5 months! and counting.
So much for e-filing being faster.
I see now that my mistake was requesting a refund. Instead, I should have had the money put towards next years taxes. Then I wouldn’t have cared how long it took.

ScooterBob wrote: ↑Thu Jul 22, 2021 2:18 pm

AlwaysaQ wrote: ↑Thu Jul 22, 2021 2:12 pm There is also an article about Fidelity Target-Date Funds at Morningstar.

Got a link for that one?

Bob

https://www.morningstar.com/articles/10 ... e-fidelity

Although, for ‘deep dives’, they seem pretty superficial to me.

That’s the exact portfolio recommended by Charles Ellis and Burton Malkiel in their book The Elements of Investing.

And here’s a Kiplinger article on that two-fund portfolio.

The Nun’s Story
Forbidden Planet
The African Queen
Alien
Almost Famous

JoMoney wrote: ↑Wed Jun 02, 2021 3:39 pm

CyberBob wrote: ↑Wed Jun 02, 2021 2:53 pm Buffett mentions his reasoning in this video: https://www.youtube.com/watch?v=wSIXEXIFWgY

Good clip.

@4:15
"...I would probably use the S&P 500. I think as soon as you get beyond that you start starting to think you should be in small caps this time, and large caps that time, or this foreign stock, and as soon as you do that you're in a game you don't know, you're not equipped to play in all candor. That would be my recommendation. "

It sometimes seems that half the posts here are about how much to put in large-cap, or small-cap, or how much in international. Buffett doesn't seem to think it's necessary - or wise - to even go down that rabbit hole at all.

Buffett mentions his reasoning in this video: https://www.youtube.com/watch?v=wSIXEXIFWgY

And, interestingly, Buffett seems to finally give some explanation as to why he always recommends the S&P 500 versus the total market.

Turn on FileVault disk encryption, Then do this:
What to do before you sell, give away, or trade in your Mac (Apple Support)
When you get to the part about erasing your disk, you'll be erasing an encrypted disk, so no worries.

Is it $1 or less than $1?

From the 1040 instructions:

Amount Overpaid
If line 34 is under $1, we will send a refund only on written request.

Amount You Owe
You don’t have to pay if line 37 is under $1.

I've always liked Yale University portfolio manager David Swensen's definition:

1. Core asset classes contribute basic, valuable, differentiable characteristics to an investment portfolio.
2. Core holdings rely fundamentally on market-generated returns, not on active management of portfolios.
3. Core asset classes derive from broad, deep, investable markets.