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Re: Glad I own bonds today!

Who cares if bonds are up or down today. Who cares if stocks are up or down today. Unless you need the money today who cares what is doing well or not? It is sad we seeing comments like this on a forum geared toward long term investing. Good luck. My point was I stuck with my allocation to bonds ev...
by Frank2012
Fri Jan 24, 2014 7:02 pm
 
Forum: Investing - Theory, News & General
Topic: Glad I own bonds today!
Replies: 56
Views: 4569

Glad I own bonds today!

Well, I'm sure glad I stayed the course and didn't lighten up on my bond fund, despite all the talk about a bond market bubble. A day like this is a reminder on why every portfolio needs a ballast!
by Frank2012
Fri Jan 24, 2014 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: Glad I own bonds today!
Replies: 56
Views: 4569

Re: If your at the bottom of the bracket, should you invest?

You are already investing in yourself by going to college. The best advice I could suggest is to make sure you finish college and get a degree. You'll have plenty of time to invest if you are young, so don't obsess over it too much at this point. If you feel the need to do something, an emergency fu...
by Frank2012
Thu Jan 02, 2014 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: If your at the bottom of the bracket, should you invest?
Replies: 8
Views: 869

Re: Wife Not Interested in Working

jcman01 wrote:So I really need nothing from her, other than to be relieved of the obligation of supporting her.


Wow. Well, I guess that about says it all....
by Frank2012
Wed Sep 25, 2013 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife Not Interested in Working
Replies: 46
Views: 3083

Cash is Best Asset Class for Retirees?

Hmmm....the article below states that cash is the best asset class for retirees:

http://blogs.marketwatch.com/encore/201 ... d-be-cash/?

...but it seems more like the real advice is to try and time the bond market or stock market :confused
by Frank2012
Mon Jul 29, 2013 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: Cash is Best Asset Class for Retirees?
Replies: 27
Views: 3486

Re: Cutting the cord on Cable

...Monopolies have been dissolved in land line phones and some can even pick their power company so why is cable TV the last wired monopoly standing almost everywhere in the US? This is so frustrating! I know you're upset about getting good Internet. Hopefully, things like improved wireless connect...
by Frank2012
Sun Jul 28, 2013 7:07 am
 
Forum: Personal Consumer Issues
Topic: Cutting the cord on Cable
Replies: 95
Views: 9797

Re: Cutting the cord on Cable

For those who have cut the cable cord....what Internet provider are you using and what is the cost? I'm just wondering if you are really saving so much money when you still have to pay a subscription for Hulu, Apple, etc on top of the cost of Internet?
by Frank2012
Sat Jul 27, 2013 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cord on Cable
Replies: 95
Views: 9797

What to do? Vanguard Muni Funds Closed to New Investors

Now that that VWITX and VWIUX are closed to new investors, what should I do for Muni bond exposure in a taxable account?
by Frank2012
Fri Jun 28, 2013 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do? Vanguard Muni Funds Closed to New Investors
Replies: 13
Views: 2150

MUB a decent ETF for Muni exposures

I'm looking to build an ETF portfolio in my taxable account using ETFs. For equities, I'm looking to allocate 35% VTI, 15% VEU, but I'm in a quandary for the 50% allocation to bonds. It's a taxable account, so I want munis, but Vanguard does not have a muni ETF. So should I go with MUB, or should I ...
by Frank2012
Mon Jun 24, 2013 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: MUB a decent ETF for Muni exposures
Replies: 5
Views: 739

Re: Long-Term Returns website down?

Yes, very weird...it's not even n a server? Hope the blog gets up and running again soon!
by Frank2012
Mon Jun 24, 2013 8:55 am
 
Forum: Investing - Theory, News & General
Topic: Long-Term Returns website down?
Replies: 56
Views: 8845

Re: Investing advice Blog

I have been reading a blog called "Long Term Returns" http://www.longtermreturns.com/ I have convinced myself that Its anonymous author is a Boglehead. When I click on the link for the Long-Term Returns blog, nothing comes up. Do you have the wrong link, or was the site taken down? Thanks,
by Frank2012
Sat Jun 22, 2013 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Investing advice Blog
Replies: 6
Views: 1101

Allan Sloan Dropping PIMCO Bond Fund

Fellow Bogleheads: Allan Sloan is dumping Pimco bond fund, see article at: http://www.washingtonpost.com/business/economy/allan-sloan-buying-bonds-at-todays-ultra-low-rates-isnt-safe/2013/06/06/eebb8652-cef1-11e2-8845-d970ccb04497_story.html Curious what people think. I'm stuck with Pimco in my 403(...
by Frank2012
Fri Jun 07, 2013 9:03 am
 
Forum: Investing - Theory, News & General
Topic: Allan Sloan Dropping PIMCO Bond Fund
Replies: 9
Views: 1606

Re: More Unconventional Failure

I am in agreement with the post from Twocyclists. I think Rick is misconstruing David Swenson's work. Mr. Swenson is actually one of the most famous proponents of indexing for the average investor, and does not at all advocate using a Yale-type portfolio for such investing. I think I get what Rick i...
by Frank2012
Mon Jun 03, 2013 6:14 pm
 
Forum: Investing - Theory, News & General
Topic: More Unconventional Failure
Replies: 17
Views: 2231

GS vs UBS on Bond Market...who is correct?

Fellow Bogleheads, Bond bust or not? Check out this article....http://www.cnbc.com/id/100780264 If Goldman Sachs and UBS can't figure out the bond market with all their power, influence and brilliance, then I'm not going to worry about it and will keep the faith with a simple three-fund portfolio. M...
by Frank2012
Fri May 31, 2013 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: GS vs UBS on Bond Market...who is correct?
Replies: 2
Views: 255

Best Walkable Place to Retire

Just read the string on retiring to a sandy beach, and was wondering if any Bogleheads would rather prefer retiring to a city or town where the amenities where within walking distance of their house? How nice would it be to be able to walk to Starbucks or the grocery store, rather an drive? If there...
by Frank2012
Sun May 26, 2013 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Best Walkable Place to Retire
Replies: 86
Views: 7940

Re: Buffett on bonds

Yes, it is obvious to everyone for a decade plus that interest rates will rise and cream bond funds. What would help immensely, however, is if we knew exactly when rates would rise so we could time the market and make a bundle. Since I'm not good at guessing, I'm content to follow my asset allocatio...
by Frank2012
Sat May 18, 2013 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Buffet says no to bonds - recommends equities and cash
Replies: 70
Views: 7392

Re: Better Bond Fund: PTTRX or DODIX?

Thanks![/quote]
I agree with SpringMan, but does your plan hold bond index?
John[/quote]


Yes, my overall plan contains the Vanguard Total Bond Fund...my biggest holding in bonds. Looks like a little bit of Pimco or Dodge and Cox isn't going to hurt.

Thanks for the posts!
by Frank2012
Sat May 04, 2013 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Better Bond Fund: PTTRX or DODIX?
Replies: 5
Views: 627

Better Bond Fund: PTTRX or DODIX?

Fellow Bogleheads: My wife's 401(k) has only 2 bond fund options: PTTRX or DODIX. No index fund bond choice at all, so we're stuck with picking either the famous Pimco Bond Fund or the Dodge & Cox Bond fund. So my question is: Which do we pick? My wife's time horizon for retirement is 15-20 year...
by Frank2012
Sat May 04, 2013 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Better Bond Fund: PTTRX or DODIX?
Replies: 5
Views: 627

Re: Meet Mr. Money Mustache, the man who retired at 30

Seems like Mr. Money Mustache is not "retired" in the classical sense. Seems like he simply has a home-based business which is the Mr. Money Mustache blog. Pretty clever angle that he's "retired at 30"...but I suppose his central thesis and appeal would not ring true if his main ...
by Frank2012
Wed May 01, 2013 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 28031

Re: Cyprus Banking Crisis

Not too long ago I posted an innocent question about how a "currency war" might affect one's portfolio, and the post was frozen by Lady Geek as "political". Is a this discussion about Cyprus "political" and should the posts be frozen? Curious as to the why one post is p...
by Frank2012
Tue Mar 26, 2013 9:54 am
 
Forum: Investing - Theory, News & General
Topic: Cyprus Banking Crisis
Replies: 26
Views: 1782

Re: Anyone Choosing to Retire in Maryland?

I shared these posts with my wife, and looks like retiring in Maryland gets the nod. The weather is great (gorgeous Spring and very mild winters) and we really like the Rockville area and Washington, DC. We're willing to deal with the COL as the price you pay for city living and all the amenities th...
by Frank2012
Mon Mar 11, 2013 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone Choosing to Retire in Maryland?
Replies: 76
Views: 5052

Re: Anyone Choosing to Retire in Maryland?

The link below is pro-Maryland as a place to live: http://www.washingtonpost.com/blogs/rosenwald-md/post/maryland-scores-big-in-best-places-to-live-rankings/2012/08/21/966d943a-eb9a-11e1-9ddc-340d5efb1e9c_blog.html Gotta say I like urban areas and prefer to live in a City....not sure about that mill...
by Frank2012
Mon Mar 11, 2013 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone Choosing to Retire in Maryland?
Replies: 76
Views: 5052

Re: Anyone Choosing to Retire in Maryland?

We like all the amenities...DC, Rockville Pike, reasonable drive to Baltimore, Virginia and other various touristy destinations. Nice place to retire despite the high cost of living and taxes.
by Frank2012
Mon Mar 11, 2013 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone Choosing to Retire in Maryland?
Replies: 76
Views: 5052

Anyone Choosing to Retire in Maryland?

My wife and I own a home in Maryland in Montgomery County about 12-15 miles from Washington, DC. We are renting the house while we live and work in another state. We got to thinking about where we want to retire (though we have a long way to go...about 15-years). Lately, we've been thinking of movin...
by Frank2012
Mon Mar 11, 2013 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone Choosing to Retire in Maryland?
Replies: 76
Views: 5052

Re: Updated figures and results on slice and dice vs TSM

Rodc, Very impressive post and well thought out. Looks like you have definitively proven the superiority of slice & dice over the three-fund portfolio. But for me, I can't handle a lot of funds, so I'm sticking with my three-fund portfolio (50% Total Bond, 35% Total US, 15% Total International) ...
by Frank2012
Mon Mar 11, 2013 9:02 am
 
Forum: Investing - Theory, News & General
Topic: Updated figures and results on slice and dice vs TSM
Replies: 142
Views: 39784

Re: What is a "Currency War"?

Nisiprius,

Many thanks for the laymans explanation of this topic. After reading your post, I went back and re-read the Yahoo article, and it is definitely "noise" that I am going to tune out.

Frank2012
by Frank2012
Sat Feb 23, 2013 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: What is a "Currency War"?
Replies: 3
Views: 393

What is a "Currency War"?

Fellow Bogleheads: I saw an article on Yahoo about a possible "Currency War"...I'd appreciate if someone could explain this to me in simplistic terms; also...if we actually have a currency war, what is the effect on stocks and bonds? More specifically, what would be the consequences to a T...
by Frank2012
Sat Feb 23, 2013 6:25 pm
 
Forum: Investing - Theory, News & General
Topic: What is a "Currency War"?
Replies: 3
Views: 393

Re: AA - how much should be international?

So how much international would you put in a 50/50 portfolio for a three-fund portfolio? Would the following be reasonable? 30% US Total Stock Index 20% International World ex-US 50% Total Bond fund Frank: Vanguard research suggests international stocks should be between 20% and 40% of equity. 20% ...
by Frank2012
Tue Feb 12, 2013 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA - how much should be international?
Replies: 72
Views: 9717

Re: AA - how much should be international?

So how much international would you put in a 50/50 portfolio for a three-fund portfolio?

Would the following be reasonable?

30% US Total Stock Index
20% International World ex-US
50% Total Bond fund
by Frank2012
Tue Feb 12, 2013 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA - how much should be international?
Replies: 72
Views: 9717

Re: New Boglehead Seeks Porfolio Help

The following chart shows Fidelity's Spartan Total Market Index fund (in blue) against Vanguard's Total Stock Market Index fund (in orange) over the last 10 years. http://i.imgur.com/ho2Yw4V.png Yes, there really are two lines there. Conclusion: It looks like Fidelity is doing just as a good of a j...
by Frank2012
Sat Feb 02, 2013 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Seeks Porfolio Help
Replies: 4
Views: 413

Re: New Boglehead Seeks Porfolio Help

Welcome to the forum! If I were investing at Fido, those are the funds I would pick. They are certainly a vast improvement in cost over what you have now. Regarding the international funds - they are similar, but not the same index. The Fido fund does not contain small cap stocks. However, that's t...
by Frank2012
Sat Feb 02, 2013 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Seeks Porfolio Help
Replies: 4
Views: 413

New Boglehead Seeks Porfolio Help

Fellow Bogleheads: I'm relatively new to the world of Bogleheads (this is only my second post) and I'm still in the learning phase of the Boglehead philosophy. However, I've read a number of books on indexing and have been lurking the Boglehead blog for awhile. Based on my research and temperment, I...
by Frank2012
Sat Feb 02, 2013 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Seeks Porfolio Help
Replies: 4
Views: 413

Re: 457(b) Dividends Reflected in Share Price of Funds?

Thank you for the info, Skylar. Much appreciated. I had not heard about a "Collective Investment Trust" before. Many thanks!
by Frank2012
Sat Jan 26, 2013 8:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457(b) Dividends Reflected in Share Price of Funds?
Replies: 7
Views: 802

457(b) Dividends Reflected in Share Price of Funds?

My 457(b) contains some very good Blackrock index funds that are very low in cost (for example, their S&P 500 fund is only .01 basis point....wow!). However....my quarterly statements never seem to reflect income from dividends, even though these funds have a yield and supposedly distribute divi...
by Frank2012
Sat Jan 26, 2013 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457(b) Dividends Reflected in Share Price of Funds?
Replies: 7
Views: 802

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