Search found 1503 matches

by Bustoff
Wed Jun 17, 2015 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's new Personal Advisor Services
Replies: 29
Views: 4934

Re: Vanguard's new Personal Advisor Services

Vanguard price cuts rattle the brokers who sell its funds : "It's scary to have Vanguard do this," said Bill Hayes, co-owner of Kingston, Massachusetts-based advisory firm Charles Carroll Financial Partners. " I have a lot of clients' money there, and I'll pull it in a heartbeat if t...
by Bustoff
Wed Jun 17, 2015 6:02 am
Forum: Personal Consumer Issues
Topic: Paying Over Blue Book Value for Used Car
Replies: 12
Views: 1321

Re: Paying Over Blue Book Value for Used Car

The private party used car market must be very hot, since I regularly see excellent condition one owner private party very low mileage under (4k yearly miles) used 5 year old and newer mid-size cars have an asking price of well over (about $1000 to $1500 more) than the Blue Book value. I know that ...
by Bustoff
Wed Jun 17, 2015 5:44 am
Forum: Personal Consumer Issues
Topic: Retirement areas, not Florida
Replies: 67
Views: 7728

Re: Retirement areas, not Florida

We have been retired for 10 years in Florida and would like to move on to a nice Retirement Community with less heat and humidity. Looking for suggestions in the North Carolina, South Carolina, Virginia, etc. Thanks Unless you are on the beach, North Carolina, South Carolina or Virginia won't provi...
by Bustoff
Wed Jun 17, 2015 5:36 am
Forum: Personal Consumer Issues
Topic: Retirement areas, not Florida
Replies: 67
Views: 7728

Re: Retirement areas, not Florida

joe8d wrote:
To me, anything over 70F is too hot.


Same here. WNY has wonderful summers and we have plenty of drinkable water .

+1 ... Buffalo summers are glorious.
by Bustoff
Wed Jun 17, 2015 5:29 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's new Personal Advisor Services
Replies: 29
Views: 4934

Re: Vanguard's new Personal Advisor Services

Vanguard price cuts rattle the brokers who sell its funds : "It's scary to have Vanguard do this," said Bill Hayes, co-owner of Kingston, Massachusetts-based advisory firm Charles Carroll Financial Partners. " I have a lot of clients' money there, and I'll pull it in a heartbeat if t...
by Bustoff
Sun Jun 14, 2015 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with the fear: "Will we be eating cat food?"
Replies: 90
Views: 13916

Re: Will we be eating cat food?

msrumphius wrote:Our home is in a brisk zip code.


I gots to know.
What is a "brisk" zip code ?
by Bustoff
Sat Jun 13, 2015 7:06 am
Forum: Investing - Theory, News & General
Topic: Does break-even duration matter if bond fund payments are not re-invested?
Replies: 32
Views: 3021

Re: Does break-even duration matter if bond fund payments are not re-invested?

Maybe this will help.
Go to Yahoo finance and chart the price of VBMFX for the max time frame. Compare that Yahoo price chart with a Morningstar chart of VBMFX. The Morningstar chart reflects dividends reinvested whereas the Yahoo chart does not.
by Bustoff
Sun Jun 07, 2015 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Frugal Millionaires Article...Sounds Like Bogleheads
Replies: 80
Views: 12238

Re: Frugal Millionaires

Thanks. My apologies for the duplicate post. :oops:
by Bustoff
Sun Jun 07, 2015 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Frugal Millionaires Article...Sounds Like Bogleheads
Replies: 80
Views: 12238

Frugal Millionaires

[Thread merged, see below. --admin LadyGeek] NYT article titled, "Millionaires Who Are Frugal When They Don’t Have to Be", caught my eye this morning. Apparently "frugal" is a relative term -- not what I was expecting. http://www.nytimes.com/2015/06/06/your-money/skimping-on-the...
by Bustoff
Sun Jun 07, 2015 9:01 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 931
Views: 147998

Re: What Movie Have You Recently Watched?

"Birdman" - :thumbsdown

"Inherent Vice" - Unintelligible ... turned it off after 30 minutes.
by Bustoff
Sat Jun 06, 2015 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Secondary CDs
Replies: 20
Views: 2538

Re: Secondary CDs

FYI ... just checked the Vanguard website. New issue brokered 5-year CD's at 2.25%.
by Bustoff
Sat May 23, 2015 7:43 am
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 7385

Re: Bill Gross Thinks the End Is Near

I think the end of Bill Gross draws near.
by Bustoff
Sat May 23, 2015 7:41 am
Forum: Investing - Theory, News & General
Topic: Not your father's Total Bond Market Fund anymore
Replies: 86
Views: 9780

Re: Not your father's Total Bond Market Fund anymore

Doc wrote:I this really what you want for one of your three funds?

At first I thought this was a trick question. Then I realized the answer is really quite simple -- and the solution even more so.
by Bustoff
Sat May 23, 2015 6:43 am
Forum: Investing - Help with Personal Investments
Topic: Investing after Retirement
Replies: 10
Views: 1289

Re: Investing after Retirement

I am 64 years old and am going to retire in 3 months. I have no debt (own all my cars, home, etc.). I will have $3,200 (pre-tax) coming in each month from a pension and about $3,500 from Social Security (combined with my wife) at age 66. I also have a 401K with $110,000 and $90,000 in savings. I am...
by Bustoff
Sun May 17, 2015 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Talk me out of Timing the Market!
Replies: 30
Views: 3178

Re: Talk me out of Timing the Market!

Here is a sobering statistic for you: While the S&P 500 has generated annualized returns of 9.9% over the past 20 years—and a boring old asset allocation of 60% stocks and 40% bonds has managed to return a solid 8.7%—the average investor has eked out a measly 2.5%. Why Individual Investors Do S...
by Bustoff
Fri May 08, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Do you get non-zero peak values on your CO detector?
Replies: 11
Views: 954

Re: Do you get non-zero peak values on your CO detector?

1) get new detectors. They age and fail. Thanks! How often would you recommend replacement? The printed directions say, and I think our current one actually says so on the back near the sticker with the manufacturing date on it. Nowadays they actually start timing when first powered on. We didn't a...
by Bustoff
Fri May 08, 2015 8:35 am
Forum: Personal Consumer Issues
Topic: Do you get non-zero peak values on your CO detector?
Replies: 11
Views: 954

Re: Do you get non-zero peak values on your CO detector?

Professor Emeritus wrote:1) get new detectors. They age and fail.

Thanks! How often would you recommend replacement?
by Bustoff
Wed May 06, 2015 12:18 pm
Forum: Investing - Theory, News & General
Topic: Are we experiencing a bond correction or crash?
Replies: 34
Views: 5855

Re: Are we experiencing a bond correction or crash?

Just saw Yellen on Bloomberg warning, "we could see a sharp jump in long term rates". I'm confused. Hasn't most of the commentary regarding the Fed rate hike been warning that short-term rates would be adversely affected much more than long rates? “We could see a sharp jump in long-term ra...
by Bustoff
Sun May 03, 2015 9:36 am
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 9052

Re: Truecar -- isn't this just a car buying scam?

So, my understanding is that dealers pay Truecar $299 if a sucker (er, customer) comes in with a Truecar report and actually buys a car. How is this anything but a lead-generating scam for dealers that they are willing to pay for? +1 ... Truecar is a dealer tool. TrueCar's main purpose/function is ...
by Bustoff
Sat May 02, 2015 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advise - Retiring Teacher
Replies: 10
Views: 1026

Re: Portfolio Advise - Retiring Teacher

Upon retirement, I will be eligible for the Teachers Retirement System which provides 60% of highest salary ($73,000 X 0.6) resulting in $43,800. Rental Income - $41,000 (rent collections less expenses) Questions: What do you think of my asset allocation? 50/50 sounds reasonable subject to your own...
by Bustoff
Fri May 01, 2015 8:14 am
Forum: Personal Consumer Issues
Topic: Want to plan a San Diego vacation
Replies: 19
Views: 1218

Re: Want to plan a San Diego vacation

For $200/night you could stay downtown especially since you're booking in advance. Consider the Marriot Marquis if you're staying downtown. If you really want the Holiday Inn / Double Tree bracket, then Mission Valley has tons of hotels. However it will just be the launching point for your expediti...
by Bustoff
Sun Apr 26, 2015 7:33 am
Forum: Investing - Theory, News & General
Topic: Tilting
Replies: 37
Views: 2320

Re: Jack Bogle on "tilting"

Jack Bogle gave a very important speech in Chicago which I attended. His speech gave his views about many subjects, including tilting (he's against it)--and why. You can read the speech here: THE TELLTALE CHART Best wishes Taylor +1 ... Now that I'm retired, the goal is to reduce Decision Fatigue :...
by Bustoff
Wed Apr 22, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: Buying a Car to commute - SUV or Sedan?
Replies: 55
Views: 4990

Re: Buying a Car to commute - SUV or Sedan?

Why not get both.
Subaru XV Crosstrek 2015

Starting at
$21,595 MSRP. Up to 34 /26 MPG.
by Bustoff
Wed Apr 22, 2015 7:28 pm
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 47
Views: 6441

Re: Favorite Vacation/Trip

Summer trip from DC ? How about Nova Scotia.
by Bustoff
Wed Apr 22, 2015 11:44 am
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 38
Views: 2210

Re: Visiting Nashville during the summer

Gaylord Opryland is a cool place to stroll around for an evening. Be sure to catch the fountain show.
by Bustoff
Wed Apr 22, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: What's your average monthly expense???
Replies: 85
Views: 8745

Re: What's your average monthly expense???

TRC wrote:
dreamer wrote:Grocery: $250 - $300


How on earth is this even remotely possible for a family of 2 in CA? Are you eating out a lot?

We spend $500/mo on groceries for two. After seeing the responses, our $500 seems high.
by Bustoff
Wed Apr 22, 2015 9:11 am
Forum: Investing - Theory, News & General
Topic: Future income on 100,000 bond fund
Replies: 16
Views: 2902

Re: Future income on 100,000 bond fund

Ok.I should know this but I just want to be crystal clear for my financial plan going forward towards retirement. I will keep it as simple as possible for my sake,not yours :D An example with rounded numbers. I invest 100,000 in the inter term bond fund on Jan 1,2016 and lets say it is yielding exa...
by Bustoff
Tue Apr 21, 2015 9:43 am
Forum: Personal Finance (Not Investing)
Topic: What's your average monthly expense???
Replies: 85
Views: 8745

Re: What's your average monthly expense???

TFinator wrote: I am also in San Diego...

Rent/mortgage, insurance, rental insurance, etc:1000

Location:San Diego
-------------------

If I could rent in San Diego for $1000 a month I would be on my way tomorrow. 8-)
by Bustoff
Mon Apr 20, 2015 5:27 pm
Forum: Investing - Theory, News & General
Topic: Can Shiller's PE10 (CAPE) Get Any More Discredited?
Replies: 81
Views: 6451

Re: Can Shiller's PE10 (CAPE) Get Any More Discredited?

... But used over a range of sectors, regions and periods, the stochastic distribution of returns should start to resemble the mean (and that's effectively as certain as anything gets in investing) .. Ah, the mean... It is a mean, an average, something certain in a chaos of conflicting information....
by Bustoff
Mon Apr 20, 2015 4:06 pm
Forum: Personal Consumer Issues
Topic: Using Fraud Alert or Security Freeze at credit bureaus
Replies: 3
Views: 425

Re: Using Fraud Alert or Security Freeze at credit bureaus

kenyan wrote:He's a thread on freezing your credit:

http://www.bogleheads.org/forum/viewtop ... 2&t=131599

I froze mine a couple of months ago.

Thanks kenyan!
by Bustoff
Mon Apr 20, 2015 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Take the job? Midwest to West Coast.
Replies: 12
Views: 995

Re: Take the job? Midwest to West Coast.

Monthly home rentals in San Diego go for around $2500/month, but that's on VRBO. So single family homes with a one year lease should be considerably less. Apartments are even cheaper.
I say do it. 8-)
by Bustoff
Mon Apr 20, 2015 11:19 am
Forum: Personal Consumer Issues
Topic: Using Fraud Alert or Security Freeze at credit bureaus
Replies: 3
Views: 425

Using Fraud Alert or Security Freeze at credit bureaus

Has anyone has used the Fraud Alert or Security Freeze services offered through the credit bureaus? I'm debating using the security freeze. Using the security freeze prohibits a credit bureau from releasing information from your credit report without your prior written approval. Anyone find the secu...
by Bustoff
Mon Apr 20, 2015 10:37 am
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 16051

Re: Bernstein: "If you've won the game, stop playing."

Grt2bOutdoors and Angst - Thank you for those additional perspectives. I always learn something new from this forum.
by Bustoff
Mon Apr 20, 2015 9:00 am
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 16051

Re: Bernstein: "If you've won the game, stop playing."

^^^ Given the graph above, I would not be surprised if history repeats itself in terms of yield not appreciating for an extended period of time. We are now "let's call it a good 7 years into this low yield environment", only 11 more years to go. Those EE bonds are looking sweeter by the d...
by Bustoff
Mon Apr 20, 2015 7:41 am
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 16051

Re: Bernstein: "If you've won the game, stop playing."

^^^ Given the graph above, I would not be surprised if history repeats itself in terms of yield not appreciating for an extended period of time. We are now "let's call it a good 7 years into this low yield environment", only 11 more years to go. Those EE bonds are looking sweeter by the d...
by Bustoff
Mon Apr 20, 2015 6:51 am
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 16051

Re: Bernstein: "If you've won the game, stop playing."

... The bond market disaster today would not be a crash in bond NAV but a long term condition of low returns where the investor is holding almost entirely bonds and nothing offering a higher return in the portfolio. Would you mean something like this ? http://www.schwab.com/public/file?cmsid=Bond-y...
by Bustoff
Thu Apr 16, 2015 8:26 am
Forum: Investing - Theory, News & General
Topic: How much riskier are munis than treasuries?
Replies: 32
Views: 4081

Re: How much riskier are munis than treasuries?

Using Vanguards risk ratings may be helpful. Vanguard Inter-Term Tax-Exempt https://personal.vanguard.com/web/images/smallrisk2.gif Vanguard Inter-Term Treasury https://personal.vanguard.com/web/images/smallrisk2.gif Vanguard Short-Term Tax-Exempt https://personal.vanguard.com/web/images/smallrisk1....
by Bustoff
Thu Apr 16, 2015 7:31 am
Forum: Investing - Theory, News & General
Topic: How does a retired person mitigate a Bond Bubble?
Replies: 46
Views: 6143

Re: How does a retired person mitigate a Bond Bubble?

How does a retired person mitigate a Bond Bubble? Definitely not the way Brad Schneider does it. http://www.opensecrets.org/pfds/search_results_detail.php?filtertype=T&year=2013&org=Vanguard+Total+Bond&srchorg=VANGUARD&srchtype=O This is a safer way to mitigate a bond bubble. Note t...
by Bustoff
Tue Apr 14, 2015 7:36 am
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3481

Re: New York Times article on bond funds

ogd and nisi -
Thank you very much.
by Bustoff
Tue Apr 14, 2015 6:52 am
Forum: Investing - Theory, News & General
Topic: Negative interest rates in Europe
Replies: 9
Views: 1457

Re: Negative interest rates in Europe

toto238 wrote:Interesting piece in the WSJ today where they discuss negative interest rates across Europe.

Another reason why the Fed will be hard pressed to raise rates.
by Bustoff
Sun Apr 12, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3481

Re: New York Times article on bond funds

The concern is that structural problems arising from the liquidity artifacts will trigger broader panic and price volatility. Isn't it the opposite? My impression was that, yes, there are real liquidity issues, but it's not the "liquidity issues" that could trigger a panic. Rather, it wil...
by Bustoff
Sun Apr 12, 2015 9:15 am
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3481

Re: New York Times article on bond funds

It would be interesting to see what the average daily volume is in the "primary market" (where authorized participants exchange the ETF shares with the underlying bonds) for the most popular bond ETFs (and the ones I own :) ). Is that info readily available and is it available for every d...
by Bustoff
Sun Apr 12, 2015 8:10 am
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3481

Re: New York Times article on bond funds

simplesimon wrote:Article linked here: http://www.nytimes.com/2015/04/12/busin ... funds.html

Thanks simon. I went back and fixed the omission.
by Bustoff
Sun Apr 12, 2015 7:53 am
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3481

New York Times article on bond funds

Yesterday, the NYT published an article titled, Questioning the Seaworthiness of Bond Funds, written by Diana B. Henriques. While the article is not hyperbolic in nature, it's difficult to tell if any of this should be a source of concern because the subject of the article deals with somewhat esoter...
by Bustoff
Sat Apr 11, 2015 11:28 am
Forum: Personal Consumer Issues
Topic: Best fish oil/omega-3 supplement?
Replies: 18
Views: 1325

Re: Best fish oil/omega-3 supplement?

JLJL wrote:This thread will probably get locked.

Your probably right. I should have known better.
But just to be clear I'm not seeking any medical information.
by Bustoff
Sat Apr 11, 2015 11:14 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 6188

Re: Favorite Boglehead Avatar?

Someone has an avatar of an elderly man kissing a little girl on the lips. That always creeps me out. I try to remind myself that there are cultural differences about kissing. Maybe the man in the avatar is the recent Jeopordy contestant who guessed that the "age of consent" for for girls...
by Bustoff
Sat Apr 11, 2015 8:25 am
Forum: Personal Consumer Issues
Topic: Best fish oil/omega-3 supplement?
Replies: 18
Views: 1325

Best fish oil/omega-3 supplement?

Do you take a fish oil/omega-3 supplement?
If so which one would you recommend?
by Bustoff
Sat Apr 11, 2015 8:10 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 828
Views: 138591

Re: What Book Are You Currently Reading? Part VI

Get What's Yours: The Secrets to Maxing Out Your Social Security Hardcover by Laurence J. Kotlikoff , Philip Moeller , Paul Solman This book is already driving me nuts. I'm not sure what they call this style of writing but here it is: But how old are you and Jan? Larry asked. What difference does i...

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