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Re: Short-term Bond Index Fund

I use the Short Term Bond Index in combination with an online savings account as an emergency fund.
by Index Fan
Thu Apr 17, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Short-term Bond Index Fund
Replies: 14
Views: 1658

Re: The slackening...

The Wizard wrote:I can't say there were significant differences in their upbringing as regards money. There's some kind of addictive personality disorder related to excessive spending that kicks on some people but not others. Best way I can explain it...


I agree 100% with this statement. I've seen it in my family.
by Index Fan
Mon Apr 14, 2014 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: The slackening...
Replies: 61
Views: 6546

Re: Truly "Catastrophic-Only" Health Insurance

Remember that was before the government told you what you could buy health insurance-wise. [OT comment removed by admin LadyGeek]
by Index Fan
Sat Mar 15, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Truly "Catastrophic-Only" Health Insurance
Replies: 3
Views: 391

Re: Should you discuss your wages with your peers?

I'm guessing that unassertive and unconfident sales guys made less than assertive confident sale guys, too. That's a significant factor.
by Index Fan
Sat Mar 15, 2014 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Should you discuss your wages with your peers?
Replies: 82
Views: 6627

Re: Should you discuss your wages with your peers?

For those who work in the public sector where salaries of every position are often publicly available, the idea that wages shouldn't be discussed seems a bit silly. Of course it seems silly from the public sector perspective, but the private sector (market-driven, not political/union-driven) is a t...
by Index Fan
Sat Mar 15, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Should you discuss your wages with your peers?
Replies: 82
Views: 6627

Re: What's a reasonable composite expense ratio?

12 basis points here. Personally I'd not go above 25 basis points if at all possible, and anything above 50 basis points to me would be highway robbery.
by Index Fan
Sat Mar 15, 2014 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: What's a reasonable composite expense ratio?
Replies: 62
Views: 2886

Re: Should you discuss your wages with your peers?

I wouldn't. There's plenty of reasons for this posted already.

Why feed smugness and envy in people you have to work with?
by Index Fan
Fri Mar 14, 2014 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should you discuss your wages with your peers?
Replies: 82
Views: 6627

Re: Did you retire in your 30s?

Did you retire in your 30s?


Heck, I started investing in my 30s!
by Index Fan
Fri Mar 14, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Did you retire in your 30s?
Replies: 55
Views: 5309

Re: HUGE retirement decision.

If you can live well on 1.5 of your 2 pension checks, I myself would take option 2.

And congratulations on having an excellent financial situation near your retirement!
by Index Fan
Sat Mar 08, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: HUGE retirement decision.
Replies: 71
Views: 6005

Re: Joint or Separate Accounts? - Married Couples

Both approaches are viable. Personality definitely comes into this decision, as does past experience (or lack thereof). It's often more of an emotional issue than anything else.

For security's sake, one could argue more than one account is a good idea (in case one is hacked or has some problem).
by Index Fan
Thu Mar 06, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Joint or Separate Accounts? - Married Couples
Replies: 82
Views: 3370

Re: What to say to Non-Savers

cheese_breath wrote:Just say, "Don't expect me to support you in your old age".


Unfortunately the voters say the opposite.
by Index Fan
Mon Mar 03, 2014 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5181

Re: California vs. Texas

Cool stuff! Here's more actual data if you're interested!

Image
by Index Fan
Wed Feb 26, 2014 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: California vs. Texas
Replies: 32
Views: 2817

Re: California vs. Texas

A taxpayer moving INTO California- you see something new every day! :wink:

Sustainability is a big concept these days. How sustainable is the current economy/government spending/standard of living in each state over the coming years?
by Index Fan
Wed Feb 26, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: California vs. Texas
Replies: 32
Views: 2817

Re: How to Convert Someone That Doesn't Want to Be Converted

How to Convert Someone That Doesn't Want to Be Converted


You can't.

They have to convert themselves. That doesn't often happen. Don't let it bother you or your life will be unhappy.
by Index Fan
Mon Feb 24, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Convert Someone That Doesn't Want to Be Converted
Replies: 50
Views: 2970

Re: What would YOU do with $300K?

tj wrote:I'd throw it all in Vanguard LifeStrategy Growth and call it a day.


Great advice- or LifeStrategy Moderate Growth, depending on your risk tolerance.
by Index Fan
Sat Feb 22, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: What would YOU do with $300K?
Replies: 28
Views: 3127

Re: The Estate lawyer cost us big

Shakespeare had a rather famous line in regards to this topic. Some things never change.
by Index Fan
Sat Feb 22, 2014 9:01 am
 
Forum: Personal Finance (Not Investing)
Topic: The Estate lawyer cost us big
Replies: 109
Views: 8898

Re: What to do when a parent's money runs out?

For anyone wanting to quit smoking, I recommend electronic cigarettes. You can control the amount of nicotine that you consume (weaning it down to nothing), and- this is very important- it allows you to go through the motions of smoking- puffing, blowing smoke, holding a 'cigarette', and so on. Thes...
by Index Fan
Tue Feb 18, 2014 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 135
Views: 15227

Re: Should I become sole provider for fiance?

I vote no, but for a completely different reason. I am an attorney that handles a lot of divorces. What I see over and over is that if someone is always provided for, they expect it to continue. I would not start habits now that would lead to the wrong lifestyle. Involve her in planning now... Best...
by Index Fan
Mon Feb 17, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I become sole provider for fiance?
Replies: 97
Views: 6021

Re: Oblivious Investor interview at Vanguard

Excellent interview, Mike!
by Index Fan
Sat Feb 15, 2014 11:59 pm
 
Forum: Investing - Theory, News & General
Topic: Oblivious Investor interview at Vanguard
Replies: 11
Views: 2192

Re: Should I become sole provider for fiance?

Should I become sole provider for fiance?


No.
by Index Fan
Sat Feb 15, 2014 11:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I become sole provider for fiance?
Replies: 97
Views: 6021

Re: Great Finance History Book

Many thanks for the tip Dr. B!
by Index Fan
Sat Feb 15, 2014 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: Great Finance History Book
Replies: 33
Views: 4167

Re: Why Own Bonds at All?

ogd wrote:I continue to think that you are relying far too much on the past data when arguing that stock declines stop here and they don't go longer than this much. Fundamentally, stocks are value at risk and this is a gamble.


This is worth reading again.
by Index Fan
Wed Feb 12, 2014 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: Why Own Bonds at All?
Replies: 492
Views: 28530

Re: Why Own Bonds at All?

When you look at past history and say that the future will be similar, you make a big leap. Imagine someone thinking this in 1928. Don't fetishize math equations that ignore unknowables. Best of luck!
by Index Fan
Sat Feb 08, 2014 8:47 am
 
Forum: Investing - Theory, News & General
Topic: Why Own Bonds at All?
Replies: 492
Views: 28530

Re: '60/40' Portfolio Down But Not Out

“Sixty-40 is sort of like Adam Smith’s ‘Invisible Hand,’” Ferri said. “We don’t know exactly why it works, it just always seems to work. In the end, when you look back over a 15-year period of time, it works.”


Good read- thanks, Rick!
by Index Fan
Mon Feb 03, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: '60/40' Portfolio Down But Not Out
Replies: 16
Views: 3805

Re: Do you have a Savings Account?

I have an internet bank savings account paying 75 basis points in interest. I keep a relatively small amount there for immediate needs that don't warrant withdrawing from a mutual fund investment. I don't count it as part of my AA.
by Index Fan
Tue Jan 28, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a Savings Account?
Replies: 64
Views: 5000

Jason Zweig: When a Giant Gain Causes Pain

When a Giant Gain Causes Pain by Jason Zweig (The Wall Street Journal): If you have a small stake in a company, you own the stock. But if that stake suddenly grows enormous, the stock owns you. Thinking rationally about it then can become all but impossible—even if you have a doctorate in economics...
by Index Fan
Sun Jan 26, 2014 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: Jason Zweig: When a Giant Gain Causes Pain
Replies: 14
Views: 2634

Re: [What is] wrong with Treasury Direct website?

He asks a reasonable question. Unless you like annoying-to-use websites.
by Index Fan
Sat Jan 25, 2014 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: [What is] wrong with Treasury Direct website?
Replies: 79
Views: 4724

Re: Which bond fund is best?

'Best' is a tricky word, but I have Total Bond Market Index for the same reason I own the Total Stock Market and Total International Stock Market Indexes- I'd rather own the market than pick a possible winner or loser (with most of my money anyway).
by Index Fan
Sat Jan 25, 2014 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: Which bond fund is best?
Replies: 83
Views: 4008

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday Taylor!

Reading your posts on the old Morningstar Vanguard board back in the late 90s got me hooked on the Boglehead philosophy. Thank you, and thank you for your service, Sir!
by Index Fan
Thu Jan 23, 2014 11:15 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12682

Re: Is it nuts to log on to your Vanguard account at the pub

When I worked for a major public library system, the PCs would reboot after a customer would use them, and a cleaning program would supposedly sanitize the machine of all malware and such. But I still wouldn't recommend using a public computer for anything involving sensitive logins. Note- I'm a bit...
by Index Fan
Thu Jan 23, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Is it nuts to log on to your Vanguard account at the public
Replies: 33
Views: 3265

Re: Biggest regrets in your life in financial investment?

Not starting investing earlier in my life.
by Index Fan
Fri Jan 17, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 7196

Re:

This is where it is important to have a strong grasp of what Harry Browne based the PP on. He based it upon owning assets that will perform well under any imaginable economic conditions. The economic conditions he described cover every economic environment. All I am betting is that in the future we...
by Index Fan
Wed Jan 15, 2014 11:57 pm
 
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 507
Views: 105674

Re: High Earners - What's Your Profession?

Where's the thread for us poor schmucks that aren't high earners? We're here, apparently there's less interest in us though ;) I remember reading an anecdote- perhaps from Jack Bogle- about meeting a janitor who had retired with a million-dollar portfolio and thanked Jack for his advice over the ye...
by Index Fan
Wed Jan 15, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 334
Views: 22774

Re: Real estate and rising sea levels

The data from the chart is from the IPCC and NOAA. You are correct that the topic is very polarized, though.
by Index Fan
Wed Jan 15, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Real estate and rising sea levels
Replies: 49
Views: 2888

Re: Real estate and rising sea levels

Climate modeling has been inaccurate in the past. It's not terribly hard to look this up. Disprovable hypotheses are the hallmark of science- which seems to have been lost in the popular treatment of this subject. A little humility is probably a good thing on catastrophist predictions ( Ehrlich's ut...
by Index Fan
Wed Jan 15, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Real estate and rising sea levels
Replies: 49
Views: 2888

Re: Real estate and rising sea levels

There have been several dire predictions in this area that have not come to fruition due to failure of models to match reality. Caution is advised.
by Index Fan
Tue Jan 14, 2014 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate and rising sea levels
Replies: 49
Views: 2888

Re: High Earners - What's Your Profession?

whoa! I didn't realize librarians could pull in 100k. I know what my next career is going to be (of course I'm sure this will involve a trip back to school). You may want to do some research on this issue. Librarianship is one of those professions undergoing paraprofessionalization. It used to be t...
by Index Fan
Tue Jan 14, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 334
Views: 22774

Re: Tax returns - keep for 7 years? Longer?

would you trust these documents to a kinkos or something? I am less worried about the cost of scanning, as much as I am worried of identity theft. I wouldn't use sensitive documents on a public copier/scanner/printer. I have my own scanner (inexpensive copier/scanner/printers can be purchased for l...
by Index Fan
Sun Jan 12, 2014 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax returns - keep for 7 years? Longer?
Replies: 33
Views: 3190

Re: Investing in a food truck

Food trucks are hot right now. I notice some of them have a 'regular' location at a profitable area where they can often be found for the morning/evening commute (especially near universities). Check out the city/town/county where you plan to operate and see what the governmental/regulatory attitude...
by Index Fan
Fri Jan 03, 2014 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing in a food truck
Replies: 24
Views: 2345

Re: "Cheapskate of the Year"

dgdevil wrote:If you have any calendars from 1986 they can be used for 2014.


:D
by Index Fan
Wed Jan 01, 2014 7:27 pm
 
Forum: Personal Consumer Issues
Topic: "Cheapskate of the Year"
Replies: 87
Views: 8018

Re: Words of Wisdom for 2014

Happy New Year!
by Index Fan
Mon Dec 30, 2013 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Words of Wisdom for 2014
Replies: 1
Views: 365

Re: Do you ever feel you are being too frugal?

Occasionally there are 'the frugal habits you have' threads that come up, and it looks like a fair amount of Bogleheads are quite frugal (overly frugal, some would say). It seems to be a personality type. A balance of enjoying living now and investing well for the future is a tricky thing for some B...
by Index Fan
Mon Dec 30, 2013 2:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you ever feel you are being too frugal?
Replies: 65
Views: 5098

Re: Benefits of a Balance Fund

Balanced funds, Target Retirement funds or LifeStrategy funds are fantastic financial vehicles for those not interested in investing. Simplicity is a valuable concept for investors worried about cognitive decline as well as spouses not interested in money management. It is an odd thing when you thin...
by Index Fan
Sat Dec 28, 2013 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Benefits of a Balance Fund
Replies: 24
Views: 2363

Re: Films on finance to influence family and friends

This thread puts me in mind of the fact that there seems to be a dearth of films that show how investing over the long run can make one wealthy over a lifetime...I hope I'm wrong. Can anyone think of any films that show this? Films on wealth are often oriented towards tawdry and criminal association...
by Index Fan
Sat Dec 28, 2013 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Films on finance to influence family and friends
Replies: 58
Views: 2488

Re: What Book Are You Currently Reading? Part V

Dandelion Wine by Ray Bradbury. I just started Fahrenheit 451 . Very nice so far, much better written than I have come to expect from science fiction, if I can really classify it as such. Will be looking forward to reading more of his books. An excellent book! If you like short stories, The Illustr...
by Index Fan
Sat Dec 28, 2013 5:48 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2636
Views: 604082

Re: Cash in Your Wallet

I use credit cars for most purchases myself. I carry a $20 bill and a bunch of $1 bills for emergencies, and because it looks like a lot of cash if I were ever robbed :)
by Index Fan
Sat Dec 28, 2013 5:42 pm
 
Forum: Personal Consumer Issues
Topic: Cash in Your Wallet
Replies: 93
Views: 4112

Re: john templeton

John Templeton was a very interesting man.
by Index Fan
Sat Dec 28, 2013 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: john templeton
Replies: 7
Views: 1046

Re: What Book Are You Currently Reading? Part V

Dandelion Wine by Ray Bradbury.
by Index Fan
Fri Dec 27, 2013 9:45 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2636
Views: 604082
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