Bogleheads.org

I consider myself a grateful, humble student of Jack. I grew up in the US and have studied and worked in Canada for the past 20 years. Canada is now my home, but as I work less, I will probably spend longer periods travelling/visiting family in the US. I use VTI plus VEU to create a global cap weigh...

This Marine is definitely proud to salute my good friend and co-author, Taylor Larimore, who served as a paratrooper in WWII at the Battle of the Bulge. Hat's off to you, my friend! My mother-in-law and her mom were liberated from Santo Tomas internment camp in Manila by US Army GIs. The GIs were l...

I graduated with an MD from McGill in the 1990s. Tuition was a very reasonable $2000 per year. Graduating with very modest med school debt allowed me-- not my debt load-- to decide what specialty I wanted to pursue, and choose a place post residency where I really wanted to live and practice. Person...

Here are a couple of useful sites for anyone looking to use an unlocked iPhone on a different carrier. The first site is an app which will set up the phone's settings for the new network. This is useful for those who are travelling or if you're looking to go prepaid with your iphone-- e.g. AT&T ...

As I said above, it looks like you have to request that data be added to the $10 plan at AirVoice. If you don't do this, then data won't be available even if you are using a SmartPhone. That should probably be confirmed with Customer Service if there would be any concern about "data abuse"...

mike143 wrote:How many minutes and text? Without data almost pointless to have a smart phone, just get a $20 phone.

I disagree. Wifi is everywhere-- with some minutes and texting, an unneeded iPhone is still a great phone to have, even without a data package.

AT&T "Go Phone" is worth a look. I live in Canada and use it for my unlocked iphone when I'm travelling in the US. $25 gets you a couple of hundred minutes plus unlimited texting. It's pay as you go too which is good. Is also possible to perform an easy hack on the phone and add monthl...

My partner and I generally use VRBO each year to rent a condo for a couple of weeks in Hawaii. As when I stay in a "suite style" hotel, I always make sure no dirty dishes are left in the sink. I may start a load of dishes in the dishwasher when I head out the door-- the cleaners will have ...

ps56k: If I could only read one book on investing, this would be the one. This book is a treasure trove of investing wisdom.

I believe MacArthur would need an executive order from the President to make any such advance. It may have also been that Congress needed to provide authorization to declare war. :?: This still doesn't explain his folly of leaving the planes on the ground where they were sitting ducks for Japanese ...

The real puzzle of Pearl Harbor is this. Why did General Macarthur, having been informed hours earlier of the Japanese attack on Pearl Harbor, not order his B17s to bomb Japanese airfields in Taiwan? Instead, his air force was caught on the ground in the Phillipines, and largely destroyed. He froze...

My mother-in-law's dad was a second lieutenant in the Philippine Rangers when the bombs started dropping a short time later in Manilla (December 8 as Manilla was across the international date line). He would survive the deplorable Japanese prison camps in the Phillipines only to die in 1944 on the h...

When you part ways with your employer, the phone number will belong to them-- now you are left with the problem of your personal contacts not being able to telephone you. If your employer allows you to port out the number, you are left with the potential problem of nuisance business calls related to...

My advice: find the area of medicine you're interested in then train for it, provided there will be jobs available when you finish. Life is too short and the medicine will quickly become miserable if you go into a particular specialty for the bucks. When you're finishing your training, consider havi...

"The Death of Equities" article crossed my mind as I was reading this story last night. It makes me think this cyclical bear market is getting long in the tooth. You mean secular bear, right? Because we are in a cyclical bull market now. Whoops! Yes, thanks-- I definitely meant secular be...

"The Death of Equities" article crossed my mind as I was reading this story last night. It makes me think this secular bear market is getting long in the tooth.

Edit: cyclical replaced with secular.

Dale_G wrote:Revised: My statement for VEU shows an estimated yield of 3.34%. Vanguard does not seem to publish SEC yields for international funds.

Dale

They had published it on the website-- the figure seems to have recently disappeared.

BC Doc

I strongly recommend you read either "The Little Book of Commom Sense Investing" (succinctly written) or "Commom Sense on Mutual Funds" by John Bogle. I really like the idea of a two fund portfolio-- here in Canada, I use ETFs to get my Vanguard funds. Total World Stock (VT) comb...

Not until age 34-- this is when I completed my training (physician).

Since then, I've been squirrelling savings away.

Here's some free "fee-only" advice: I use RBC-DI for my DIY investing-- I've been very happy with RBC-DI and recommend them whole-heartedly. Consider a two fund portfolio: VT-N for stocks (Vanguard Total World Stock ETF-- 0.20% ETF). VAB-T or VSB-T for fixed income (Vanguard Canada Aggrega...

Take your profit. Pay the taxes (which will be less this year if the rates go up in January). Buy a better fund (lower ER, more tax efficient). Don't hang on to garbage just to avoid taxes. That would be letting the tax tail wag the dog. According to Yahoo Finance, the MER of the fund is 0.94% vers...

do you think they need 30 years of $4 million of protection? Can one physician provide adequately for him/herself and a single child? I am a physician married to a non-physician and I went with 20 year term expiring when I am about 53. Based on how we are doing so far, we will be completely self-in...

I've used Norbert's Gambit many times with my RBC Direct account. It works like a charm.

Bogleheads: After many years, our subscription ran out last week. It is a great paper but I am not renewing at $500/year. I also feel foolish spending at least an hour every day reading it. There are better things to do with the time. It does nothing for our stay-the-course portfolio. The Miami Her...

Vancouver, BC-- it's a gorgeous city. Loads of stuff for kids to see and do.

Then load them onto the ferry out to Vancouver Island-- next stop Long Beach/Tofino/Victoria.

The Oregon coast is beautiful too. Water is freezing though!

Ask him, "Where are all the customers' yachts?", then submit the paperwork to have all of your investments transferred out in-kind.

My insurance carrier gave me a discount-- modest by my recollection-- when they were informed by my broker that I had placed a new roof on my house. I wasn't aware this was good for a discount until I asked my agent to reprice my policy and check for any possible discounts when the policy came up fo...

Less than 200 years ago, the US was an emerging market. Who knows what the future holds for both the US and the global economy? For these and other reasons, my equity holdings reflect global cap weighting. And in case I'm wrong? There's a role for the fixed income part of my portfolio.

Stellar interview!

Thanks for posting the link.

VTI plus VEU-- 0.13%

I hadn't noticed VEU had lowered its MER-- thanks for pointing this out. Wow, Vanguard wins again. Thank you Jack Bogle for having making such a big impact on this retail investor!

Hi troysapp, I've avoided MBS in my fixed income holdings. For me equities are where I take my risks whereas fixed income is where I want to be conservative. For my bond holdings, I want things predictable and easy to understand. MBS adds risks and uncertainty that for me aren't worth it. In general...

Hmmm, 38 is on the cusp I'd say. Act young/be young, but invest like you're middle aged! I'd say, you're not officially middle-aged until your turn 40, and 40 is the new 30, so even then, who knows??!! I recently turned 45, and for the record, that feels like being smack dab in the middle of middle ...

t-mobile $100 for 1000 minutes that are good for one year. If you then pay $25, you get 150 new minutes and all your old minutes roll over. Repeat each year. After four years, you will have spent $175 for 1450 minutes (48 months times 30 minutes per month is 1440). That's under $4 a month. A quick ...

85/15 equity to fixed income. Equity: 44% VTI (US) 56% VEU (Intl) Fixed income all in 1-5 year GIC ladder (Canadian version of a CD). Age 45. Plan is to let time/Drips work their magic on equity ETFs-- won't add to them. New money will go to fixed income eventually making portfolio more balanced.

I've attached a link which may be helpful for you to see how much of global markets are US and how much are international by cap weighting. Personally, I've elected to go with market cap weighting (44% US, 56% the rest). I live and work in Canada so I'm comfortable with this weighting for my equity ...

sscritic wrote:Start with the wiki:
http://www.bogleheads.org/wiki/Individu ... _Bond_Fund

I'd also recommend reading "The Bond Book" by Annette Thau-- easily read over a couple of weeks and full of lots of good information.

Regarding the advice: advice wasn't solicited. Consider it a gift. If you had liquidity, why would you need margin? A large portion of my cash was in Canadian dollars. The Loonie took a sharp dive in late 2008-- my take was that it was oversold. Rather than buy "expensive" USDs, I did som...

I even bought some on margin figuring it was a once in a couple of decades opportunity. You got very lucky. If it had continued down, you could have received a margin call, forcing you to sell low, then you would have had to watch the next year as the markets rose like a rocket, proving your gut in...

Late 2007 into 2008 was when I decided to go the DIY investor route. From January 1st/08 into early August I gradually cashed out all my equity mutual funds and moved the cash into a discount brokerage account. I had the good fortune of being mostly in cash when the markets started crashing. I went ...

Have a look at "The Bond Book" by Annette Thau. I've attached the Amazon link below. I just finished this book and would consider it a good investment when it comes to evaluating fixed income investments.

http://www.amazon.com/Bond-Book-Everyth ... 0071358625

Here's the link to the Bogle-Voker interview from Bloombert. Jack looks and sounds great-- he appears to be in fine fettle! http://www.bloomberg.com/video/85300932/ Thanks. Bloomberg's article--doesn't seem to add much if you watched the vid: http://www.bloomberg.com/news/2012-01-31/bogle-rates-u-s...

Here's the link to the Bogle-Voker interview from Bloombert. Jack looks and sounds great-- he appears to be in fine fettle!

http://www.bloomberg.com/video/85300932/

Bogle, Volker interview link from Bloomberg website-- January 31, 2012.

When Jack speaks, I listen! I'll be busy watching this for the next 45 minutes!

Cheers,

B.C. Doc

http://www.bloomberg.com/video/85300932/

Our house is a 2800 square foot house on 0.38 acre in central British Columbia-- annual assessment by the province came in at just under $500k.

The real estate bubble hasn't yet popped in Canada. I'm told "It's different here."

Age minus 30 in fixed income (I'm in my mid 40s).

When the public starts loving equities again, this will be about the time I start selling some of my equity funds.

New money added going forward will be invested on the fixed income side.

No, I'm fully invested.

If we had a significant stock correction/crash, I would be very tempted to us my LOC to buy some extra shares. I did this in late 2008/early 2009 and this worked out well.

I think Jack Bogle is suggesting....VTI,BND, and VEU. I am not that simple but it works for him and it is not too far from what i am trying to accomplish. I'm a US ex-patriate living in Canada for the past 20 years. I decided to split b/t VTI and VEU based on global capitalization weighting-- I hol...

Emergency physician-- stressful job but I love what I do. I feel privileged to look after my patients and community.

My undergraduate degree was a B.A. in political science-- I feel very fortunate to have received a solid liberal arts education before starting a career in the health sciences.

I use VEU (All World Except US) for my international exposure-- one ETF covers Europe, Asia, Australia, and the emerging market with appropriate market capitalization weighting. Set it, forget it, and I'm done.

We bought our house in 2003-- house was built in 1992. Original H20 heater when we bought house. Home inspector said we should budget for its failure any time. Finally went a couple of weeks ago. I'm looking forward to tricks to extend the life of this one!