Search found 2983 matches

by Boglenaut
Wed Sep 02, 2015 9:53 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 117
Views: 7665

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

I was the one buying some of your equities yesterday, as part of my rebalancing.

That's how markets work...millions and millions of decisions taken together.
by Boglenaut
Tue Sep 01, 2015 7:52 am
Forum: Investing - Help with Personal Investments
Topic: American Funds IRA - Account Emptied!
Replies: 26
Views: 3096

Re: American Funds IRA - Account Emptied!

Thanks again everyone for the emotional support over the weekend. I called American Funds and they said my financial advisor took back possession of the funds to his brokerage. He then called me later to confirm this, saying new laws required him to do this to all of his accounts managed directly a...
by Boglenaut
Tue Sep 01, 2015 6:14 am
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 39
Views: 4078

Re: Oversized HVAC?

Thanks for the update. I've been following the thread but did not make a post because I am not familiar with 2-stage units. Our house was built with a 3.5 ton unit (one stage). When it died a few years ago, both estimates came back and recommended a 3 ton unit (one stage), so that is what we got. Be...
by Boglenaut
Sun Aug 30, 2015 8:46 am
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 123
Views: 6877

Re: Aug 2015 correction: what Bogleheads did...

Did nothing. Too busy looking for a job after my company let me go after nearly 14 years there. :( But sometime I need to move that high-fee 401k into something else. The silver lining is you have a lot of options now as far as moving that 401K, maybe converting some to Roth if the math says so. Yo...
by Boglenaut
Sun Aug 30, 2015 8:31 am
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 123
Views: 6877

Re: Aug 2015 correction: what Bogleheads did...

We did some minor rebalances, totaling about 1.2% of the portfolio. We did it in my 401K to avoid taxable events. Unlike 2008 when my wife was panicking, this time she just casually said "do a rebalance" and went back to her web browsing. We've been through it before much worse, so this re...
by Boglenaut
Sat Aug 29, 2015 11:37 am
Forum: Investing - Help with Personal Investments
Topic: American Funds IRA - Account Emptied!
Replies: 26
Views: 3096

Re: American Funds IRA - Account Emptied!

Hopefully it is just a glitch.

One time someone had that happen in their 401K. The company had changed custodians. But yours is an IRA.

Please keep us posted.
by Boglenaut
Thu Aug 27, 2015 3:18 pm
Forum: Personal Consumer Issues
Topic: magazines for frequent-flyer miles ripoff
Replies: 20
Views: 2432

Re: magazines for frequent-flyer miles ripoff

I often use miles for WSJ or magazines like The Economist. So far, only good luck with it. But I NEVER give real money for a magazine subscription. Smart Money tried a bunch of tricky stuff with me when I had a paid subscription. I never do any transaction for a magazine that involves real money, ev...
by Boglenaut
Thu Aug 27, 2015 7:19 am
Forum: Investing - Theory, News & General
Topic: Bounced back too quick
Replies: 33
Views: 5705

Re: Bounced back too quick

My re-balancing is caught up for now, but that does not mean I won't be doing it again soon.
by Boglenaut
Tue Aug 25, 2015 10:28 am
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 112
Views: 11483

Re: Telephone Calls! Help! [Stopping telemarketing calls]

In the last month or so, NO calls got through... I hear the phone ring once or twice, maybe 3 or 4 times a day, then NOMOREROBO cuts them off.

Just think how annoying it would be if I had to view each one or they got through to voicemail. :sharebeer
by Boglenaut
Tue Aug 25, 2015 10:00 am
Forum: Investing - Theory, News & General
Topic: [spurned advisor purports there is a Vanguard] Class Action Suit?
Replies: 43
Views: 5313

Re: Class Action Suit?

I'd stay away from them. Index funds have tracking error? Doh! That information is published. Tracking error for most funds is tiny. It is a red herring. Year-to-date means nothing. Look over years. Also, be careful not to compare apples-to-oranges...are funds taking same risk levels? Sounds like th...
by Boglenaut
Fri Aug 21, 2015 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Woot woot! Company is moving 401k Plans!
Replies: 12
Views: 1434

Re: Woot woot! Company is moving 401k Plans!

easye418 wrote:
Effective Jan. 1st 2017.


That is great news, especially if the old plan was a bad one. Either Vanguard or Fidelity (if Spartan funds are included) would do a great job.

The only bad news is 2017 is 16 months away.
by Boglenaut
Fri Aug 21, 2015 7:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2009
Views: 385020

Re: U.S. stocks in freefall

Now I remember why I have those almost no interest bond funds. At least that took away a little bit of the sting and allowed some minor rebalancing.
by Boglenaut
Wed Aug 12, 2015 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: structured settlement for minor in car accident
Replies: 9
Views: 1093

Re: structured settlement for minor in car accident

I don't know the answer, but I hope your daughter is OK now. I know how hard that can be.
by Boglenaut
Tue Aug 11, 2015 11:35 pm
Forum: Investing - Theory, News & General
Topic: Is VWO the best fund for EM?
Replies: 20
Views: 1879

Re: Is VWO the best fund for EM?

in_reality, you make some good points about the Schwab fund and the new A shares in VWO. When I said "I think the VG fund is best", I was comparing VWO to the Wavefront fund. Especially with the Class A changes, there could be a lot of debate between VWO and SCHE. I don't have a Schwab acc...
by Boglenaut
Tue Aug 11, 2015 11:09 pm
Forum: Investing - Theory, News & General
Topic: Is VWO the best fund for EM?
Replies: 20
Views: 1879

Re: Is VWO the best fund for EM?

From the webpage: INVESTMENT APPROACH The manager utilizes a multi-strategy approach that transforms persistent marketing inefficiencies into uncorrelated sources of return: A fully diversified equity portfolio that seeks optimal exposure to the growth potential of emerging markets An options overla...
by Boglenaut
Tue Aug 11, 2015 10:51 pm
Forum: Investing - Theory, News & General
Topic: Is VWO the best fund for EM?
Replies: 20
Views: 1879

Re: Is VWO the best fund for EM?

I use the Admiral shares of VWO. I think the VG fund is best.


POST 3,000! :sharebeer
by Boglenaut
Mon Aug 10, 2015 11:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard adding alpha
Replies: 6
Views: 623

Re: Vanguard adding alpha

I wish they wouldn't talk like this.
by Boglenaut
Tue Aug 04, 2015 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: "A different kind of retirement calculator"
Replies: 32
Views: 4610

Re: "A different kind of retirement calculator"

The NE Ohio chapter of Bogleheads actually made FireCALC one of the discussion topics one meeting. We had a connection to the internet and a projector, and did some hypothetical scenarios.

It was interesting.
by Boglenaut
Sat Aug 01, 2015 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Chargeback on a Prepaid Visa Card for a $20 Locker Rental at a Water Park
Replies: 23
Views: 1740

Re: Chargeback on a Prepaid Visa Card for a $20 Locker Rental at a Water Park

Going to the Better Business Bureau seems a little over the top. I made a BBB complaint over a few cents once. Given that it was an extremely high volume item, the store was probably making thousands of dollars a few cents at a time. They eventually changed their practice. I would pursue the $20. Y...
by Boglenaut
Thu Jul 23, 2015 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Is this a cup-with-handle pattern?
Replies: 29
Views: 2387

Re: Is this a cup-with-handle pattern?

This is a chart of a value going up and down. It has no other meaning.

You'll be wise to avoid "technical analysis".

Here is my opinion of it: https://youtu.be/TUR1wR1SX3w

Too bad I hadn't heard of Cup and Handle -- I could have included it in the video.
by Boglenaut
Tue Jul 21, 2015 9:17 am
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 11201

Re: How do people afford children with a SAHM?

Also, kids are not too expensive the first few years if you have no day care or medical problems. This is because of tax breaks and deductions. But that changes when they get older and kids cost more.
by Boglenaut
Tue Jul 21, 2015 9:10 am
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 11201

Re: How do people afford children with a SAHM?

It is pretty easy actually, especially at your income level. First, save like crazy before the kids arrive. You spend $300 :shock: on phone, TV, and Internet. Our family of 4 spends $55 on those items. Remember, if you save time is on your side; if you borrow, time is against you. If you save, in 15...
by Boglenaut
Mon Jul 20, 2015 10:51 am
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 8712

Re: Wedding Receiption

I have never heard of charging guests for drinks at weddings. You could have pay toilets too and make money twice for each drink. Here, weddings typically have a nice dinner, music, and lots of alcohol. But I think it is just fine to serve only some kinds of drinks, or no drinks at all for budget or...
by Boglenaut
Sun Jul 19, 2015 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: 401K account when past employer files Chapter 7 liquidation?
Replies: 2
Views: 287

Re: 401K account when past employer files Chapter 7 liquidation?

For very small companies, I've heard horror stories where they cannot find the person authorized to move funds and funds get stuck.
by Boglenaut
Wed Jul 15, 2015 1:51 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 518
Views: 103856

Re: That Frugal Thing You Do

"A shiny new Civic." The Civic I mentioned in my original post was totaled a couple months ago when someone ran a red light. It was almost 11 years old and had about 83K miles (mostly city). The timing belt was changed about 8 months previous and tires were a good set 16 months old. The i...
by Boglenaut
Wed Jul 08, 2015 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum 401-K match benefit = 3% or 6% of compensation?
Replies: 5
Views: 525

Re: Maximum 401-K match benefit = 3% or 6% of compensation?

It is ambiguous, but I would read it at 3% company match if you put in 6%, based on previous plans I was in and how they were worded.

If you make 100K and put in 6K, they put in 3K.

But that's just my guess.
by Boglenaut
Wed Jul 08, 2015 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Am I rich or am I a poser?
Replies: 11
Views: 2135

Re: Am I rich or am I a poser?

I think you would definitely be considered "affluent".
by Boglenaut
Wed Jul 08, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: Vanguard phonecall asking for personal information
Replies: 47
Views: 3867

Re: Vanguard phonecall asking for personal information

Vanguard called me once and asked for all sorts of personal information to confirm something I changed. I am really glad they were looking out for me, but I told them I'd call them at a 1-800 number on the website before answering. It was a legit call, but I had no way to know that was Vanguard secu...
by Boglenaut
Wed Jul 08, 2015 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: How to pay the fee to move tIRA account from Scottrade
Replies: 3
Views: 342

Re: How to pay the fee to move tIRA account from Scottrade

She should ask Scottrade if she can pay the fee with a check instead of them pulling from her IRA. You are better off paying from the tIRA account... the $75 from a taxable checking account is worth more than $75 that will have tax due someday. If you did not hit your limit yet, why not let them ta...
by Boglenaut
Tue Jun 23, 2015 7:19 am
Forum: Investing - Theory, News & General
Topic: Siegel, "retirement period increased more than eightfold"
Replies: 12
Views: 2745

Re: Siegel, "retirement period increased more than eightfold"

And what happened to the labor participation rate for women during the same period? Seems overall, we are working many more years on average considering that huge influx. In 1950, my wife would have remained a stay at home Mom forever. Now, she did that AND went and started a career afterwards. Mayb...
by Boglenaut
Mon Jun 22, 2015 7:05 am
Forum: Personal Consumer Issues
Topic: Visiting Nephews: Water Guns and Nerf Weapons
Replies: 29
Views: 3900

Re: Visiting Nephews: Water Guns and Nerf Weapons

My boy got a few nerf guns for Christmas. We never even thought to aim them at people. Do you know how many hits it takes to bring down a mylar helium balloon ($1 at Dollar Tree)? We have no idea because we never succeeded. We hit it hundreds of times and it never went down. Single shot gun was much...
by Boglenaut
Sat Jun 20, 2015 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with the fear: "Will we be eating cat food?"
Replies: 90
Views: 14484

Re: Will we be eating cat food?

"Will we be eating cat food?" "Our total net worth is $3.7 million" Cat food? Melodramatic much? I really think the OP should change the subject line of this post. Seriously, concerned about eating cat food? I think it is disingenuous to those who have a true concern. I suggest &...
by Boglenaut
Wed Jun 17, 2015 11:38 am
Forum: Personal Consumer Issues
Topic: How much do your children cost per month?
Replies: 83
Views: 7163

Re: How much do your children cost per month?

anonforthis wrote: If we keep spending like this, we can afford many more children :D


This will not last. Our costs are increasing like crazy as they get older.
by Boglenaut
Tue Jun 09, 2015 7:46 am
Forum: Investing - Theory, News & General
Topic: Fizzy swans: decompression sickness as an analogy for investing risk?
Replies: 15
Views: 1991

Re: Fizzy swans: decompression sickness as an analogy for investing risk?

There was a thread some time ago where someone asked for analogies like this for investing (maybe bond interest rates in particular, I don't recall). I think they even had a poll at the end to vote on the best.
by Boglenaut
Mon Jun 08, 2015 6:57 pm
Forum: Investing - Theory, News & General
Topic: I lost $100 million — and I’ve never been happier
Replies: 29
Views: 9254

Re: I lost $100 million — and I’ve never been happier

Oh, I see Jonathan thought the same thing as me above. Missed that in my first pass.
by Boglenaut
Mon Jun 08, 2015 6:55 pm
Forum: Investing - Theory, News & General
Topic: I lost $100 million — and I’ve never been happier
Replies: 29
Views: 9254

Re: I lost $100 million — and I’ve never been happier

Unfortunately, nowadays we have to ask "has this story been vetted?".

I hope it was because it is very interesting. But $100 million is a lot to lose if you have $100 million.
by Boglenaut
Mon Jun 08, 2015 8:17 am
Forum: Investing - Theory, News & General
Topic: What is the opposite of longevity risk?
Replies: 30
Views: 2196

Re: What is the opposite of longevity risk?

I would say the opposite of longevity risk is putting too much into insurance, annuities, etc then dying. Let's say you are 60 years old and have $10 Million (lucky you!). You buy a huge annuity with the full amount, then drop dead the next day. Your heirs, or you favorite charity, etc. could have h...
by Boglenaut
Sun Jun 07, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 7021

Re: What Percent Of Your Annual Expenses Are Property Taxes?

About 13%.

It is the one expense we cannot control short of selling the house. It goes up and up, but we can keep other expenses in check.

It is about $4700/yr, but we spend a total of just under $35000/year.
by Boglenaut
Sun Jun 07, 2015 9:34 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29503

Re: Free Windows 10 Upgrade, Yes or No?

Home video is on a computer - connect the computer directly to the TV's (HDMI, VGA, etc) input. This is how we do it now, laptop to TV via HDMI. Once connected, I use Windows Media Center and a laptop remote control designed for the Windows Media Center to view the movies. We'll lose this capabilit...
by Boglenaut
Sun Jun 07, 2015 9:18 am
Forum: Investing - Theory, News & General
Topic: Fidelity study identifies the most successful investors!
Replies: 34
Views: 4845

Re: Fidelity study identifies the most successful investors!

So, what is the typical investment time horizon for dead people?

While I am sure "forever" is a correct response, their heirs, or the state if no heirs, are probably not as patient. How long from death until someone actually moves the money?
by Boglenaut
Fri Jun 05, 2015 2:55 pm
Forum: Investing - Theory, News & General
Topic: Creating a diversified bond portfolio - beyond VG's Total Bond fund
Replies: 16
Views: 1952

Re: Creating a diversified bond portfolio - beyond VG's Total Bond fund

I think it is fine. I have mostly Vanguard Total Bond Market, but have a good dose of Vanguard Intermediate-Term Corporate Bond and the equivelent of Vanguard Inflation-Protected Securities. I do not see any reason to buy Vanguard Total International Bond Market, but it is OK if you do. I used to ha...
by Boglenaut
Fri Jun 05, 2015 8:52 am
Forum: Investing - Theory, News & General
Topic: Rebalancing (when in the Mood) - WSj
Replies: 4
Views: 439

Re: Rebalancing (when in the Mood) - WSj

This link works right now: http://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0CCAQqQIwAA&url=http%3A%2F%2Fblogs.wsj.com%2Ftotalreturn%2F2015%2F06%2F04%2Fportfolio-rebalancing-may-not-pay-off-this-year%2F&ei=D6hxVef5IoOusAW9moCo...
by Boglenaut
Fri Jun 05, 2015 8:28 am
Forum: Investing - Theory, News & General
Topic: Rebalancing (when in the Mood) - WSj
Replies: 4
Views: 439

Rebalancing (when in the Mood) - WSj

It seems to me Jonathan Clements is a big fan of re-balancing to avoid market timing, except when he's in the mood to time the market. http://blogs.wsj.com/totalreturn/2015/06/04/portfolio-rebalancing-may-not-pay-off-this-year/ Portfolio Rebalancing May Not Pay Off This Year Every year, we are remin...
by Boglenaut
Thu Jun 04, 2015 8:25 am
Forum: Personal Consumer Issues
Topic: Refrigerator--Buy New or Used
Replies: 19
Views: 1622

Re: Refrigerator--Buy New or Used

If you leave the place unoccupied for a length of time, you will have problems with your homeowner's insurance. You may want to talk to your insurance agent before deciding.

remember also new refrigerators will use a lot less energy than older ones.
by Boglenaut
Tue Jun 02, 2015 8:38 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29503

Re: Free Windows 10 Upgrade, Yes or No?

We will wait and see on this one, assuming our older machine has enough horsepower. We actually use Windows Media Center every few months to watch all our home video on the big screen TV. I even have a remote control for it which was a selling point in 2009. How do we watch home video in the future?...
by Boglenaut
Tue Jun 02, 2015 5:22 pm
Forum: Investing - Theory, News & General
Topic: Four Vanguard International Equity Index changing/broadening indexes
Replies: 77
Views: 8281

Re: Four Vanguard International Equity Index changing/broadening indexes

I wish Vanguard would stop changing the character of their funds. When I select a fund for my taxable account, I choose it because it has the holdings I want to have. Then, after unrealized capital gains build up, they change it to something different, and I have no choice but to accept it because ...
by Boglenaut
Tue Jun 02, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: Firefox Reader View - Nice!
Replies: 3
Views: 1046

Firefox Reader View - Nice!

I just stumbled into something in Firefox called Reader View. It is wonderful! So many webpages have so much junk I never get to see the article I came to see... surveys scroll out, social media "Like" buttons follow me covering the story, things keep moving around, etc. It was so annoying...

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