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Re: Headed for a 300+ point loss today?

Think of it as a learning experience. If you're unnerved by a two percent drop in the stock market, you probably have too much invested in stocks.
by John151
Thu Oct 09, 2014 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28453

Re: Should I buy a condo on the GROUND FLOOR?

I live in a second-floor condo in a two-story building. I'm a fairly quiet individual, and my downstairs neighbor hasn't complained about any noise. But my second-floor neighbor recently installed hardwood floors throughout her unit, and now the unit owner below her can hear every step she takes. He...
by John151
Mon Oct 06, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 5000

Re: Critically Acclaimed Movies you did not like

"Easy Rider." Man, it's like really, really boring, you know?
by John151
Sat Oct 04, 2014 9:34 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8033

Re: What will you do during the next crash?

I rebalanced during the last crash but don't plan to rebalance during the next one. My reasons: I'm six years older, deeper into retirement, and becoming a more conservative investor. My bonds are enough to see me through, and I'd like to keep it that way.
by John151
Sat Oct 04, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: What will you do during the next crash?
Replies: 63
Views: 4007

Re: Treasury Direct Security Certificate

I telephoned Treasury Direct this morning at 304-480-7711 and spoke with a phone rep. She said that Treasury Direct is aware of the problem, that its security certificates need updating, and that Treasury Direct hopes to have it fixed in a few days. She also said that Treasury Direct's website is st...
by John151
Fri Oct 03, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct Security Certificate
Replies: 11
Views: 818

Re: Disappointed in Vanguard customer service

Perhaps I've lived a charmed existence, but I've been investing with Vanguard for over thirty years, and I've never had a problem with Vanguard's customer service. Not even once. I've opened accounts, closed accounts, transferred accounts, and exchanged from one fund into another many times, and eve...
by John151
Sat Sep 27, 2014 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: Disappointed in Vanguard customer service
Replies: 38
Views: 4389

Re: Tour travelling by bus

i think it depends in part on how many hours you're on the bus and how many days there are in your tour, regardless of which country you're traveling in. Several years ago, I went on a two-week bus tour of Italy, and I thought the schedule was hectic: wake-up call at six in the morning, have your ba...
by John151
Tue Sep 16, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 36
Views: 1998

Re: How old are you?

"No woman should ever be quite accurate about her age. It looks so calculating . . . London society is full of women of the very highest birth who have, of their own free choice, remained thirty-five for years. Lady Dumbleton is an instance in point. To my own knowledge she has been thirty-five...
by John151
Tue Sep 16, 2014 3:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 82
Views: 8173

Re: Why do so many think their home is a foolproof investmen

I bought a moderately nice condo in a middle-sized Midwestern city in 1984. Adjusting for inflation and using current market values, my home has dropped in value by about 20%. Am I disappointed? Do I think that my home has been a bad investment? No, because I've enjoyed living here for the last thir...
by John151
Sun Sep 14, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6554

Re: A 'really good book' you did NOT enjoy

Well said, Nisiprius! Moby Dick was a required reading when I was in college, and I hated the book so much that I threw it across the room. in fact, I threw it so forcefully that it left a dent in the wall.
by John151
Sun Sep 07, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 11130

Re: A 'really good book' you did NOT enjoy

Anything by Virginia Woolf. She was broadcasting on a frequency that's off my dial.
by John151
Sun Sep 07, 2014 7:43 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 11130

Re: Vanguard is finally getting Two Factor Auth (2FA)

I don't own a cell phone. Can the passcode be sent to my home computer by email?
by John151
Sun Aug 31, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard is finally getting Two Factor Auth (2FA)
Replies: 27
Views: 4580

Re: How old are you?

I'm a baby boomer. When we were in our twenties, we weren't supposed to trust anyone over thirty. Now that I'm in my sixties, I don't trust myself.
by John151
Thu Jul 31, 2014 2:18 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 82
Views: 8173

Re: List of Worst financial advice (what not to do):

"Pick up that phone call from Rachel at Credit Card Services."
by John151
Wed Jul 09, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16498

Re: POLL: Are You Re-Balancing?

My stocks have risen above their bands, but I've decided not to rebalance. All of my stock investments are in taxable accounts, so rebalancing by selling shares would involve paying capital gains taxes. I'm comfortable with this decision. My stock allocation is comparatively small (30%, with five pe...
by John151
Mon Jul 07, 2014 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 5240

Re: The Millionaire Next Door: Are You One?

I'm in the club too. I'm single, I'm retired, I drive an older car, I live in a modest condo, and I spend only one percent of my assets a year. Sometimes I think, "I really should spend more of this money. It's not doing me any good just sitting there." But then I can't figure out what to ...
by John151
Mon Jun 30, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 23694

Re: Is it okay to think of my stocks as bonds?

I'd like to thank all of you for your advice and suggestions. I'll never think of stocks as bonds again. I promise! And I especially appreciated retiredjg's suggestion that I think about what might be best for my heirs. As I understand it, my stocks would get a stepped-up basis at my death, so my he...
by John151
Thu May 29, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it okay to think of my stocks as bonds?
Replies: 22
Views: 1995

Is it okay to think of my stocks as bonds?

I try to keep about 30% of my investments in stocks with five percent bands on either side. Thanks to the market's surge over the last year or two, my stocks have risen above my upper limit, and with no easy way to rebalance. I no longer have any stocks in tax-advantaged accounts, just two Vanguard ...
by John151
Wed May 28, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it okay to think of my stocks as bonds?
Replies: 22
Views: 1995

Re: How did you get through the market crash in 08-09

i've always been a conservative investor. In the mid-1990's, when I had about 40% of my investments in stocks, I decided that I would gradually reduce my stock allocation to 35% by 2000, and then to 30% by 2010. So in early 2008, I had about 35% of my investments in stocks. Then came the crash, and ...
by John151
Mon Mar 10, 2014 12:02 am
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5966

Re: Real Estate - Condos and HOA fees

You mentioned that your condo is a rental unit. Condo boards sometimes resent absentee landlords, particularly the ones who expect hands-on management services without doing any of the work themselves. That's why the suggestion that you offer to help out, rather than just complain, is a good one. Ch...
by John151
Wed Feb 12, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate - Condos and HOA fees
Replies: 13
Views: 1766

Re: Real Estate - Condos and HOA fees

I've lived in a condo association for almost thirty years, and I've spent some of those years as a board member. Board members are almost always well intentioned, but they're unpaid volunteers, and there's a limit to how much they're willing to do. For example, In my association, the board is requir...
by John151
Tue Feb 11, 2014 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate - Condos and HOA fees
Replies: 13
Views: 1766

Re: vanguard quality of service

Perhaps I was born under a lucky star, but I've been investing with Vanguard for almost thirty years now and have never had a problem. I've opened new funds, closed old funds, exchanged among funds, moved my IRA to Vanguard, and moved annuity assets to Vanguard, and all without a hitch. I've also co...
by John151
Tue Feb 11, 2014 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: vanguard quality of service
Replies: 63
Views: 4216

Re: Your mortgage type, if any [POLL]

I lived in rental apartments for fifteen years, saved a good bit of my salary, and bought a modest condo for cash when I was thirty-eight. That was almost thirty years ago, and I've been living in the same condo quite happily and debt-free ever since.
by John151
Sun Feb 09, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your mortgage type, if any [POLL]
Replies: 63
Views: 3755

Re: Vanguard Tax Form Release Schedule (1099-R available now

Vanguard posted my 1099-B this morning. I had sold some shares at a loss in late December, and I had thought that Vanguard might wait and see if I bought them back within thirty days, incurring a wash sale, but the form was posted before the wash sale period expired.
by John151
Wed Jan 22, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax Form Release Schedule (1099-R available now)
Replies: 23
Views: 1843

Re: Vanguard Tax Form Release Schedule (1099-R available now

Vanguard has posted my 1099-DIV but not my 1099-B. I sold some shares at a loss in late December, so maybe Vanguard is required to wait and see if I buy them back within thirty days and incur a wash sale.
by John151
Sat Jan 18, 2014 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax Form Release Schedule (1099-R available now)
Replies: 23
Views: 1843

Re: The Funniest Movie Ever

John151 wrote:"Animal House" It reminds me of my misspent youth.


What, were you in Omega Theta Pi?


I didn't join a fraternity. That's why I say I misspent my youth.
by John151
Fri Jan 03, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 15220

Re: The Funniest Movie Ever

"Animal House" It reminds me of my misspent youth.
by John151
Thu Jan 02, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 15220

Re: What time does Vanguard update market values?

I think he means that he wants a list of values shown with the correct date.
by John151
Wed Jan 01, 2014 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: What time does Vanguard update market values?
Replies: 60
Views: 3858

Re: What time does Vanguard update market values?

The values are correct, but the date is off by one day. It's only a minor annoyance, and that's why I haven't bothered to report it to Vanguard. But I thank cfs for calling it to Vanguard's attention.
by John151
Wed Jan 01, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: What time does Vanguard update market values?
Replies: 60
Views: 3858

Re: What time does Vanguard update market values?

I've had the same problem as you, cfs. Thank you for calling it to Vanguard's attention.
by John151
Wed Jan 01, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What time does Vanguard update market values?
Replies: 60
Views: 3858

Re: Is anybody considering reducing bond purchases

My stock funds have risen past their target this year, so I'm rebalancing by investing new money in a tax-exempt bond fund. But I've shortened my various bond funds' average duration from five years to about three years, in the expectation that rates will eventually go up.
by John151
Wed Dec 25, 2013 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is anybody considering reducing bond purchases
Replies: 24
Views: 1540

Re: rebalancing in taxable accounts

I posted a similar question several months ago. Over the years, most of my stocks have been in taxable accounts, with a smaller amount in accounts that are tax-advantaged. As stocks have risen, I've rebalanced by exchanging from stocks into bonds within my tax-advantaged accounts, where exchanges ca...
by John151
Mon Sep 02, 2013 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing in taxable accounts
Replies: 18
Views: 1833

Re: TLH, dividend reinvestment, & qualified dividends

I believe the wash sale rule applies if you buy substantially identical shares 30 days before or 30 days after the date of the sale. And if you sell shares you've held for 60 days or less, the dividends on those shares may not be considered qualified. Also, If you sell shares in a Vanguard fund, Van...
by John151
Mon Jun 24, 2013 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: TLH, dividend reinvestment, & qualified dividends
Replies: 8
Views: 411

Re: Illinois pension question

Even if the bill passes both houses and is signed into law, state employees and their unions are sure to challenge it in court, with a decent chance that the law will be declared unconstitutional. I'd wait and see what happens before making any decisions.
by John151
Sat May 04, 2013 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Illinois pension question
Replies: 11
Views: 1092

Re: Short term savings/emergency fund

I keep about six months' worth of expenses in my Vanguard money market account. If I need more than that, I'll pull money from my Vanguard Limited-Term Tax-Exempt Bond account. It's not as stable as a money market fund or a short-term bank CD, but it pays more in dividends, and the income is exempt ...
by John151
Tue Apr 23, 2013 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short term savings/emergency fund
Replies: 24
Views: 2156

Re: Checking Net Worth Only Once a Year

I check my balances daily, record them once a quarter, and rebalance as needed, usually once or twice a year.
by John151
Thu Apr 18, 2013 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Checking Net Worth Only Once a Year
Replies: 41
Views: 4549

Re: what is an ibonds duration?

I've been classifying my I Bonds as having a duration of 1 during the first year, and then 0 thereafter. That's how I've been classifying my EE Bonds as well.
by John151
Sat Mar 23, 2013 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: what is an ibonds duration?
Replies: 85
Views: 4751

Re: Should I Stop Rebalancing?

I'm grateful to all of you for your help and advice. Thanks to you, I'll be able to make a much more informed decision.
by John151
Sun Mar 17, 2013 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Stop Rebalancing?
Replies: 13
Views: 2199

Should I Stop Rebalancing?

I'm a conservative retiree in my sixties. Several years ago, I decided to allocate 30% of my financial assets to stocks, with a 5% band on either side. Most of my stocks have been in taxable accounts, with a smaller amount in accounts that are tax-advantaged. As stocks have risen, I've rebalanced by...
by John151
Fri Mar 15, 2013 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Stop Rebalancing?
Replies: 13
Views: 2199

Re: Could bogleheads vote on Top 10 "asks" of Vanguard?

I'd like Vanguard to publish percentage yields for its international stock funds.
by John151
Mon Mar 11, 2013 1:16 am
 
Forum: Investing - Theory, News & General
Topic: Could bogleheads vote on Top 10 "asks" of Vanguard?
Replies: 100
Views: 6632

Re: How often do you tax loss harvest

In December 2008, I harvested losses in my taxable accounts, and immediately rebalanced by exchanging into similar (but not substantially identical) funds in my tax-deferred accounts. I didn't reopen the taxable funds that I had sold in December until July 2009.
by John151
Tue Feb 26, 2013 7:24 pm
 
Forum: Investing - Theory, News & General
Topic: How often do you tax loss harvest
Replies: 26
Views: 1645

Re: How often do you tax loss harvest

I harvest a tax loss whenever there's a loss to harvest, but I haven't had a loss to harvest since 2008. Going forward, stocks will have to drop about 40% before I can harvest another loss.
by John151
Tue Feb 26, 2013 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: How often do you tax loss harvest
Replies: 26
Views: 1645

Re: What's your usual retirement day like ?

I'm in a similar situation, Bustoff, but I don't get bored. I find books, television, and the Internet endlessly fascinating.
by John151
Sat Feb 02, 2013 4:06 pm
 
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 184
Views: 35854

Re: What do you think of this Comcast deal?

I received a similar offer from a Comcast sales rep via telephone several weeks ago. I told him that if he would send me a copy of the offer, itemized and in writing, I'd be willing to consider it. That's the last I've heard of the offer.
by John151
Sat Jan 26, 2013 9:43 pm
 
Forum: Personal Consumer Issues
Topic: What do you think of this Comcast deal?
Replies: 8
Views: 1264

Re: If market drops 50% in a week will you rebalance?

I'd harvest some tax losses, immediately invest the proceeds in different funds, and then rebalance to my target allocation gradually, over the course of a year or so. That's pretty much what I did during the last bear market, when stocks dropped more than 50%.
by John151
Mon Jan 21, 2013 7:25 pm
 
Forum: Investing - Theory, News & General
Topic: If market drops 50% in a week will you rebalance?
Replies: 118
Views: 5837

Re: Your most intense movie scene

The shower scene in "Psycho." I've been locking the bathroom door ever since.
by John151
Tue Jan 15, 2013 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Your most intense movie scene
Replies: 155
Views: 9651

Re: Is it proper to feel "loyalty" to Vanguard?

I started investing in Vanguard's 500 Index Fund way back in 1985. If I sold all of my shares and moved the proceeds to a different fund company, I'd have to pay a fortune in capital gains taxes. So am I sticking with Vanguard? You'd better believe it!
by John151
Fri Jan 11, 2013 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it proper to feel "loyalty" to Vanguard?
Replies: 37
Views: 3244

The Distribution of Wealth

Does anyone know where I can find recent statistical information on the distribution of wealth in the United States? There seems to be considerable information on the distribution of income, but I haven't been able to find anything recent about the distribution of wealth. For example, where could I ...
by John151
Tue Dec 18, 2012 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Distribution of Wealth
Replies: 15
Views: 3783

Re: Total international dividends for year end typical?

And Morningstar is showing a yield of 5.11% for Vanguard Tax-Managed International. Surely that can't be correct?
by John151
Tue Dec 11, 2012 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total international dividends for year end typical?
Replies: 14
Views: 1833

Re: VTIPX vs VIPSX. What if the govt stops issuing TIPS?

I have a friend who's in her eighties, and on my advice she bought a good many I-Bonds when they were available in paper form. But now that they're available only electronically, she doesn't want to buy any more of them, because she doesn't trust computers or bonds that she can't hold in her hand. S...
by John151
Sat Nov 17, 2012 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: VTIPX vs VIPSX. What if the govt stops issuing TIPS?
Replies: 36
Views: 3157
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