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Re: My favorite Vanguard balanced fund

As I recall, Mr. Bogle is rather fond of the Vanguard Balanced fund, but it should be noted that it is, on the equity side, strictly domestic.

It does hold a small amount of foreign bonds.

Lev
by Levett
Fri Oct 31, 2014 6:57 pm
 
Forum: Investing - Theory, News & General
Topic: My favorite Vanguard balanced fund
Replies: 12
Views: 2444

Re: Individual investors behaving badly

"I'm sure no Boglehead engages in such behavior"

This must be what's called irony.

Unless, of course, all Bogleheads are above average. :wink:

Lev
by Levett
Thu Oct 30, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Individual investors behaving badly
Replies: 18
Views: 2676

Re: AA canceled flight: premium seat fee not refunded

Grok,

That's why the missus and I stopped flying American to DFW where we have grandchildren.

The customer service has simply fallen off as repeated customer surveys show.

We regret it. We enjoyed our Advantage perks in the past.

Lev
by Levett
Wed Oct 29, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: canceled flight on AA: premium seat fee not refunded
Replies: 30
Views: 2221

Re: Anyone cancelling travel plans?

Leaving for Dallas tomorrow a.m.

Driving to the airport may be the biggest risk. :wink:

Enjoy your trip.

Lev
by Levett
Sat Oct 18, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6323

Re: Why do people use age instead of life expectancy?

Important point, in my view.

Life expectancy (for this retiree) drove at least two decisions: purchase of LTCI and annuitization of some income over and above Social Security (I do not capitalize Social Security).

Lev
by Levett
Sat Oct 18, 2014 8:29 am
 
Forum: Investing - Theory, News & General
Topic: Why do people use age instead of life expectancy?
Replies: 43
Views: 2921

Re: Roll Over Old TIAA CREF Account?

"three per cent and a cloud of dust."

Terrific, brick-house.

For the OPs info (even if it's only 1% of portfolio).

https://www.tiaa-cref.org/public/pdf/pe ... rength.pdf

Don't leave home without it. :wink:

Lev
by Levett
Thu Oct 16, 2014 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roll Over Old TIAA CREF Account?
Replies: 15
Views: 777

Re: How did you get from $1M to $10M

How?

I didn't.

It wouldn't make a bit of difference in my life.

Lev
by Levett
Thu Oct 16, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you get from $1M to $10M
Replies: 46
Views: 4056

Re: Roll Over Old TIAA CREF Account?

Completely agree with ourbrooks.

Lev
by Levett
Wed Oct 15, 2014 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roll Over Old TIAA CREF Account?
Replies: 15
Views: 777

Re: It's a good day to be heavy in REITs

17%, eh?

REITS, like trees, don't grow to the sky.

Good luck.

Lev
by Levett
Tue Oct 14, 2014 10:50 am
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 3997

Re: WSJ - Calpers Reboots Its Real-Estate Ambitions

You have an excellent memory, VT.

http://online.wsj.com/articles/SB122947172015212225

Is this the sound of the canary in the coal mine?

Lev
by Levett
Fri Oct 10, 2014 10:53 am
 
Forum: Investing - Theory, News & General
Topic: WSJ - Calpers Reboots Its Real-Estate Ambitions
Replies: 4
Views: 443

Re: What Book Are You Currently Reading? Part VI

Ian McEwan, The Children Act.

McEwan has stripped the bells and whistles from his prose and has produced a truly compelling read.

Lev
by Levett
Fri Oct 10, 2014 6:59 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 136
Views: 9855

Re: Are you a "maximizer" or a "satisficer"?

P J Whoopee wrote: "I didn't hit a grand slam. I singled to first, was forced to second, stole third, took a big lead off, and was batted in for the go-ahead run."

In fact, you hit a verbal walk-off home run. :wink:

Lev
by Levett
Tue Oct 07, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: Are you a "maximizer" or a "satisficer"?
Replies: 52
Views: 3093

Re: Bonds Beware

" In a bubble, people borrow money to buy and speculate. This is not what is happening in Treasurys. If anyone is borrowing, it is to go "short of" Treasurys ." Oh, dear. http://online.wsj.com/articles/stubbornly-low-bond-yields-and-the-man-who-saw-them-coming-steven-major-141208...
by Levett
Mon Oct 06, 2014 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds Beware
Replies: 34
Views: 4444

Re: What Movie Have You Recently Watched?

Calvary and The Drop. Liked them both.

Next up: Gone Girl.

Lev
by Levett
Sun Oct 05, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 131
Views: 6848

Re: Critically Acclaimed Movies you did not like

Memento--handily.

Since it was my idea to see it, I told my friends I'd give them a refund.

They settled for the local watering hole. :sharebeer

Lev
by Levett
Sun Oct 05, 2014 6:21 am
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8273

Re: When life throws curve, live a little or save?

If the new house would provide some peace and joy to your entire family , I would go for the new house. (Life, as you know, is not simply measured in dollars and cents.) On the other hand, would the move into a new house inadvertently add stress? I wish you, your wife, and your daughter long and pro...
by Levett
Sat Oct 04, 2014 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: When life throws curve, live a little or save?
Replies: 19
Views: 2720

Re: Vanguard: "Your Investing Life: Getting remarried."

Much of the article is sensible, but I am surprised so little is said about blending families--whatever the age of the children.

Lev
by Levett
Thu Oct 02, 2014 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard: "Your Investing Life: Getting remarried."
Replies: 1
Views: 300

Re: Road Scholar: Your experience?

Road Scholar was once a subset of Elderhostel. Then Elderhostel paid a lot of money to come up with some new cockamamie name that they had to abandon after so much protest. Anyway, it sounds like you are interested in what's called an "active outdoor" program. I've done maybe 15 of these (...
by Levett
Thu Oct 02, 2014 6:57 am
 
Forum: Personal Consumer Issues
Topic: Road Scholar: Your experience?
Replies: 26
Views: 2763

Re: Water Powered Sump-Pump Backups?

Location: Michigan. Water powered backup: yes, absolutely.

You may find this video interesting.

http://www.youtube.com/watch?v=xCUKvwNrdik

Lev
by Levett
Wed Oct 01, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Water Powered Sump-Pump Backups?
Replies: 19
Views: 984

Re: Chase Ultimate Rewards Program

" Chase Ultimate Rewards is one of the best programs out there" Man, you got that right. It's breathtaking the deals I've gotten out of the Rewards for hotels, rental cars, and airline tickets through Chase Sapphire Preferred/Ultimate Rewards. And now the insurance coverage has been extend...
by Levett
Sun Sep 28, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Chase Ultimate Rewards Program
Replies: 27
Views: 8658

Vanguard IRA snapshot

This is from today's VG homepage.

It may be of interest (it is to me).

https://personal.vanguard.com/us/insigh ... ion-092014

Levett 5
by Levett
Thu Sep 11, 2014 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard IRA snapshot
Replies: 0
Views: 192

Re: Anyone have a house with a pool?

Yes. We have a 42' x 20' in ground pool and live in the upper great lakes. Pool season runs from June through September. I use a professional to open and close (roughly $250 a pop). I follow a three-step process each week: algaecide, shock, clarifier. Say $75 monthly. I vacuum the pool. Large tubs o...
by Levett
Wed Sep 10, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have a house with a pool?
Replies: 32
Views: 2456

Re: 2013 Federal Reserve Survey of Consumer Finances release

As students of finance, this is invaluable information for many of us.

Levett 5
by Levett
Wed Sep 10, 2014 5:12 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 Federal Reserve Survey of Consumer Finances released
Replies: 9
Views: 1762

Re: need help choosing options at TIAA-CREF

I believe Larry Swedroe once characterized the TIAA Real Estate Account as roughly half equity/half fixed income. I hope I am not misrepresenting him. It is an "alternative investment," or as Morningstar characterizes it: an "other." It is not, however, "magical." :wink...
by Levett
Tue Sep 09, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: need help choosing options at TIAA-CREF
Replies: 34
Views: 1579

Re: Simplicity vs. Complexity

Hi Taylor, You wrote: " because Wall Street's marketing machine keeps churning out ever more options. " It's not just Wall Street that keeps suggesting "ever more options." I see a fair amount at this site, for example. And Vanguard is fairly constantly "improving" the ...
by Levett
Tue Sep 09, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Simplicity vs. Complexity
Replies: 50
Views: 3424

Re: 2013 Federal Reserve Survey of Consumer Finances release

Hi Bob,

The link makes for some informative but disturbing reading.

Levett 5
by Levett
Tue Sep 09, 2014 7:50 am
 
Forum: Investing - Theory, News & General
Topic: 2013 Federal Reserve Survey of Consumer Finances released
Replies: 9
Views: 1762

Re: The importance of discipline

Hi Browser. You found me (and I found myself a long time ago)--e.g., " Remember, you're working with a moron - yourself! Give the poor fellow a break. .." I have given myself a break. KISS works fine in my world. No doubt, there are many versions of KISS. It's whatever keeps floating our b...
by Levett
Mon Sep 08, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: The importance of discipline
Replies: 19
Views: 1387

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

"Although you see a lot of the 50/50 W/W, it mostly done by investors with little experience. Holding both funds really doesn't make much sense. The two funds are too similar to add much diversification." With respect, you have made quite a number of (understandable, from one point of vie...
by Levett
Sat Sep 06, 2014 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5482

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

The dynamic duo works splendidly in a tax-deferred account. Heresy alert : In a risk portfolio--for the vaguely "risk averse"-- you, uh, "rebalance" between the one and t'other (they are essentially different versions of a similar portfolio) depending on what your lizard brain te...
by Levett
Fri Sep 05, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5482

Re: Peter Lynch was wrong

Lynch's book was published in 2000 and Lynch left Magellan in 1992. This is all old news. Levett 5 P.S. If someone were to take a poll, I wonder how many BHers recognize the name of Peter Lynch or John Neff or Michael Price or Max Heine or John Templeton? P.P.S They made alotta people alotta money.
by Levett
Fri Sep 05, 2014 7:54 pm
 
Forum: Investing - Theory, News & General
Topic: Peter Lynch was wrong
Replies: 64
Views: 6215

Re: Principal Protection

NEpt: Please, please don't settle for understanding "compound interest." There are many basic money management books that will not require your becoming a "sophisticated" investor. No one is going to care more about the success of your retirement than you. It's in your best inter...
by Levett
Fri Sep 05, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Principal Protection
Replies: 44
Views: 2085

Re: Principal Protection

NEpt asked: "Is there an English translation of what you posted ?" Yep. Translation: things ain't what they used to be . Also: caveat emptor. "liquidity fees and redemption gates" --e.g., you might be charged if you want your money and/or you may not be able to get your money at ...
by Levett
Fri Sep 05, 2014 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Principal Protection
Replies: 44
Views: 2085

Re: Principal Protection

Well, I would certainly familiarize myself with a recent change in SEC regs re MM funds--e.g., from the SEC website: "The SEC's proposal contained two principal alternative reforms that could be adopted alone or in combination, and additional diversification and disclosure measures that would a...
by Levett
Fri Sep 05, 2014 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Principal Protection
Replies: 44
Views: 2085

Re: Travel Insurance for a "trip of a lifetime"

Travelguard.

Used them many times.

You just never know.

Lev
by Levett
Wed Sep 03, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: Travel Insurance for a "trip of a lifetime"
Replies: 36
Views: 2513

Re: What Movie Have You Recently Watched?

Recently saw Calvary at the cinema--fine film but could be tough to watch--and The Attack on Netflix, another superb but difficult film to watch (it's better than the novel).

Guess it's time to watch The Hundred-Foot Journey. :wink:

Lev
by Levett
Tue Sep 02, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 131
Views: 6848

Re: WSJ: Firing One's Advisor

The article was a two-fer: a dumb client matched with a dumb adviser.

I guess this is what makes news.

Lev
by Levett
Sat Aug 30, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: WSJ: Firing One's Advisor
Replies: 18
Views: 2176

Re: My husband's " WILL", $ left for me to live on....

You say you signed a prenup.

Did you have separate counsel or did you work with one lawyer (obviously, his)?

If you lived in my state, and did not have separate counsel, your prenup would be not be legally binding.

Lev
by Levett
Thu Aug 28, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17909

Re: Any good studies on active vs. passive BEFORE fees?

Well, since Zweig's column has been mentioned, here's a different kind of recent response from John Rekenthaler.

http://news.morningstar.com/articlenet/article.aspx?id=662733

Lev
by Levett
Tue Aug 26, 2014 7:01 am
 
Forum: Investing - Theory, News & General
Topic: Any good studies on active vs. passive BEFORE fees?
Replies: 10
Views: 1017

Re: S&P500 over 2000

Well, I think the S & P 2000 enthusiasts should enhance their returns with leverage.

Why not go for the gusto?! :wink:

Lev
by Levett
Mon Aug 25, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5573

Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

" if Vanguard didn't have any of its index funds it would still be a substantial mutual fund company" Indeed. If you add the AUM of just seven Wellington managed funds--Div Growth, Equity Income, GNMA, Healthcare, HY Corporate, Wellesley, and Wellington--you will see a total quite near $25...
by Levett
Thu Aug 21, 2014 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 7195

Re: Subaru Blues

Hiker NC wrote: " A tip on buying: once you test-drive the Subaru and decide what model and options you like, email all the Subaru dealers anywhere near you and invite them to bid on the car you want, listing the exact optional equipment you want. Then sit back in your den and wait for their &q...
by Levett
Thu Aug 21, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8228

Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

" Eschew ." Now that's how I like to start my day! I can chew on that one. ;-) RE Pingo's comment--e.g., " contest inside of me between the enthusiast and the contrarian ." My solution remains to divide the risk portfolio between Active Lite and Index. I, too, get twitchy about V...
by Levett
Thu Aug 21, 2014 7:26 am
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 7195

Re: Is a 16% expense ratio technically possible?

A fool and his money are soon parted.

Lev
by Levett
Mon Aug 18, 2014 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: Is a 16% expense ratio technically possible?
Replies: 15
Views: 1554

Re: Would you buy these funds that were recommended?

"He just gave us a selling point"

Yes.

That's what they do.

Lev
by Levett
Mon Aug 18, 2014 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you buy these funds that were recommended?
Replies: 30
Views: 1565

Re: 'Risk Creep' - new term

Good catch on FDIC, Valuethinker. Here's some more from the FDIC Wiki. "Full Faith and Credit"[edit] In light of apparent systemic risks facing the banking system, the adequacy of FDIC's financial backing has come into question. Beyond the funds in the Deposit Insurance Fund above and the ...
by Levett
Sun Aug 17, 2014 8:09 am
 
Forum: Investing - Theory, News & General
Topic: 'Risk Creep' - new term
Replies: 26
Views: 2362

Re: When did you downsize?

Lots of thoughts, but I'm not much help. Test drove condos during the winter but seeing friends and grandchildren in the house and around the pool (a bit of a pain to be sure) still not ready to give in. Looks like "aging in place," and eventually more hired help. :annoyed I wish you a goo...
by Levett
Thu Aug 14, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: When did you downsize?
Replies: 35
Views: 3359

Re: Grade Vanguard's performance: is 77% an A?

Frankly, I think VG publishing this "stuff" is a distraction. I have my own goals. If my Vanguard choices meet those goals, I'm happy. I don't care about Vanguard's peers. I do understand that Vanguard, like any other fund company, is always fishing for new business. Sell the sizzle doesn'...
by Levett
Thu Aug 14, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Grade Vanguard's performance: is 77% an A?
Replies: 10
Views: 758

Re: three reading recommendations

Montier's book, which came out in 2010, is indeed bracing. One might begin on p. 174--the section entitled "The Dangers of Groupthink." He explicitly identifies 8 symptoms. And, echoing Robert Shiller, Montier expresses considerable skepticism about "academic finance"--e.g., (p. ...
by Levett
Wed Aug 13, 2014 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: three reading recommendations
Replies: 11
Views: 1872

Re: MAGI for Medicare Rates

" Sscritic is saying that this country penalizes taxpayers who legally receive a higher income by raising the rate of Medicare payments. How progressive." Is that what Sscritic said? I'm sure he will confirm or deny or expand. :wink: The missus and I pay IRMAA. We don't feel abused. We fee...
by Levett
Tue Aug 12, 2014 7:39 am
 
Forum: Personal Finance (Not Investing)
Topic: MAGI for Medicare Rates
Replies: 36
Views: 1904
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