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Re: Home Depot Warranty not honored

HD's best conventional hot water heater has a "lifetime" parts and labor warranty when they do the install. Mine started leaking on a Friday morning (at only 4 years old) before a three-day weekend and after calling the warranty center (in India) they indicated the first appointment availa...
by MnD
Sun Oct 19, 2014 7:56 am
 
Forum: Personal Consumer Issues
Topic: Home Depot Warranty not honored
Replies: 27
Views: 3247

Re: AA: 50/50 Domestic and International Stock IPS

To all those souls with a roughly 50/50 domestic vs International Stock AA in your IPS, Are you rebalancing into VEU/VSS (ETF) or their Mutual fund equivalent (FTSE large cap/small cap ex US)? No because rebalancing thresholds have not been exceeded. For me it's not an optional or emotional thing -...
by MnD
Sat Oct 18, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: AA: 50/50 Domestic and International Stock IPS
Replies: 18
Views: 1547

Re: Putting Active Management to the Test

While I find this thread interesting, I’m not sure it’ll show anything useful. Had you limited yourself to choosing only a handful of funds—say, no more than five—then it might be a reasonably compelling test of your ability to pick funds that outperform. In 2001 I set up my entire inherited IRA wi...
by MnD
Sat Oct 18, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Putting Active Management to the Test
Replies: 107
Views: 11615

Re: Putting Active Management to the Test

Okay, I changed the benchmark for DODFX to ACWX, the iShares MSCI ACWI ex US Index. DODFX is ex-US large cap blend. With $62 billion in assets spread across just 79 stocks, any mid-cap or small-cap position (if they even have any) would be difficult to initiate and meaningless as far as fund perfor...
by MnD
Sat Oct 18, 2014 9:01 am
 
Forum: Investing - Theory, News & General
Topic: Putting Active Management to the Test
Replies: 107
Views: 11615

Re: What is common for a severance package?

Your wife's company should have an established policy document available to employees that states what the severance package is based on length of employment time, job level, etc. Have her check the company's intranet page for the document to get the official answer. That's increasingly rare now un...
by MnD
Wed Oct 15, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is common for a severance package?
Replies: 25
Views: 1812

Re: Relatively new here. What did you do in 2008/09

Rebalanced twice into equities, once in late 2008 and once again in early 2009 when re-balancing points were exceeded again. Tax loss harvesting. Increased 401-K contributions to both maxed out. We also increased spending and consumption - we happened to have a lot of funds in "spending" a...
by MnD
Tue Oct 14, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6827

Re: Avoid logging into brokerage account

I log in every week and using some aggregation tools total up my overall AA and investment net worth. Fear of reality implies to me that someone has a higher risk in their portfolio than they might tolerate. The move in the market YTD is essentially nothing and you're already afraid to look at your ...
by MnD
Mon Oct 13, 2014 8:38 am
 
Forum: Investing - Theory, News & General
Topic: Avoid logging into brokerage account
Replies: 17
Views: 1696

Re: "Vanguard converting mutual fund accounts to brokerage?

I don't understand why this change isn't viewed more positively. The change is allowing you to hold stock, bonds, etfs, and mutual funds all in the same account without having to keep it separate. There won't be any need for separate mutual fund and brokerage accounts. If all you want to buy is mut...
by MnD
Sun Oct 12, 2014 8:24 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 76
Views: 8786

Re: What's Your up to the minute AA?

(XX.X) = target AA

US Large 22.90% (22.5)
US Small 12.60% (12.5)
Ex-US developed large 23.35% (25.0)
Ex-US developed small 4.70% (5.0)
Emerging markets 9.60% (10.0)
Bonds+cash 26.90% (25.0)
by MnD
Sat Oct 11, 2014 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: What's Your up to the minute AA?
Replies: 110
Views: 9353

Re: Market corrections and rebalancing band

i rebalance at the 10% threshold and whenever I have to make trades or exchanges for other reasons (such as tax loss harvesting, 401-K-IRA rollover, better funds come out with lower ER's and better diversification). Since I'm going to be moving significant sums around anyways so might as well move t...
by MnD
Sat Oct 11, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Market corrections and rebalancing band
Replies: 71
Views: 4068

Re: How Close AMEX SPG without hurting credit score

Is your credit score "borderline" for getting the best rates on any loans you might want or need in the near term or for insurance underwriting purposes? If not, I wouldn't worry about it. I always close whatever cards accounts etc. I don't need or want anymore and the impact on credit sco...
by MnD
Sat Oct 11, 2014 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: How Close AMEX SPG without hurting credit score
Replies: 11
Views: 1053

Re: What was your initial AA and how has that worked out?

1986, age 24, AA=50/50 Gradually increased to 75/25 in more or less a straight line between then and early-mid 2000's. Wish I had selected a higher allocation to equity way back then. But at the time it seemed bold. I'm retiring in a few years at age 56 with an nice income so I guess it worked out OK.
by MnD
Mon Oct 06, 2014 12:01 am
 
Forum: Investing - Theory, News & General
Topic: What was your initial AA and how has that worked out?
Replies: 32
Views: 2496

Re: TSP [CNN Money: Fed Workers... low cost retirement plans

The G fund allows a retiree to effectively hold large amounts of cash and spend from it in the event of a market downturn while earning around an average fixed income return. So no need for X years of cash binned away as some people believe prudent to hold in retirement with the near-zero or negativ...
by MnD
Sat Oct 04, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: TSP [CNN Money: Fed Workers... low cost retirement plans]
Replies: 25
Views: 2379

Re: What will you do during the next crash?

Same as 1987, 2000 and 2008. Rebalance to my AA once or twice depending on how many times my bands are exceeded. If it's after retirement, total income will take a small hit per my dynamic SWR formula. Unlike 2000 and 2008 I won't be ticked off at myself for not taking some money off the table prior...
by MnD
Sat Oct 04, 2014 10:53 am
 
Forum: Investing - Theory, News & General
Topic: What will you do during the next crash?
Replies: 63
Views: 4005

Re: rebalancing conundrum/paradox/irony

Are you done adjusting/timing your portfolio on the basis of Shiller PE? That was your big concern and actions a few months ago - I think you were moving to international equity at least. I would suggest buying every two weeks or whatever in proportion to the asset allocation specified in your IPS. ...
by MnD
Tue Sep 30, 2014 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 83
Views: 5139

Re: Time to go back to cash and ditch the Credit Card?

There are several studies that show that people using credit cards spend much more than those using cash. Target's RedCard led to a big increase in store spending (I've overspent there because of the card), and McDonalds customers spent much more per visit when they put in credit card machines. The...
by MnD
Sun Sep 28, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: Time to go back to cash and ditch the Credit Card?
Replies: 39
Views: 3299

Re: Any disadvantages of filing for unemployment?

We experienced a few. The system in out state (Colorado) seems designed to prevent people from collecting. Vary complex and convoluted and behind the scenes consists of multiple software systems that are over 20 years old cobbled together. DW had some complexities with severance and after having no ...
by MnD
Sat Sep 27, 2014 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Any disadvantages of filing for unemployment?
Replies: 22
Views: 2245

Re: Bill Gross moving from PIMCO to Janus, Monday

We bailed from PIMCO TR this summer when Dodge and Cox Global Bond came out. I thought BG's monthly commentaries, while always a little different, were really going off the deep end the past couple of years. Glad we made the move to Dodge and Cox with active management, relatively low costs and comm...
by MnD
Fri Sep 26, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10029

Re: Lack of liquidity in corporate bonds hits index funds

Reading both the OP's article and OGD's article I have to ask if the problem is actually with bond index funds and not instead with bond ETFs? I think every example cited in the OP's article was an ETF and not a fund. And if I recall correctly both Bernstein and Ferri recommend against using ETFs f...
by MnD
Wed Sep 24, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Lack of liquidity in corporate bonds hits index funds
Replies: 12
Views: 1959

Re: Lack of liquidity in corporate bonds hits index funds

MnD: while I share some of your misigivings about bond indexing being useful, it should be noted that said muni ETFs were decidedly not index funds. In fact, I am not aware of any muni index ETFs at all. I must be missing some subtlety here. The big daddy of all muni ETF's (MUB) and the vast majori...
by MnD
Wed Sep 24, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Lack of liquidity in corporate bonds hits index funds
Replies: 12
Views: 1959

Re: Lack of liquidity in corporate bonds hits index funds

The whole article is worth a read. We watched first hand here what happened to muni bond ETF's during the rise in interest rates May 2013. I think the tracking error hit 5% on some of the funds during the most hectic days. So you could get hit both ways - sharp declines in NAV due to the issues disc...
by MnD
Tue Sep 23, 2014 9:41 am
 
Forum: Investing - Theory, News & General
Topic: Lack of liquidity in corporate bonds hits index funds
Replies: 12
Views: 1959

Re: How to clean an acrylic tub?

I used a plastic "teflon-pan approved" type dish scrubber and undiluted dawn liquid detergent on an acrylic shower that got heavy use and wasn't cleaned as often as it should be. Worked perfectly, even the floor. Now we have housecleaners - I don't know what they use but they get it very c...
by MnD
Mon Sep 22, 2014 11:44 pm
 
Forum: Personal Consumer Issues
Topic: How to clean an acrylic tub?
Replies: 18
Views: 1225

Re: What evidence would prove the Boglehead mentality wrong?

i think the hard core Boglehead mentality expressed by some that "anything besides plain vanilla indexing is wrong" is wrong. I agree with Jack Bogle that you can do perfectly well with a few active fund mangers. I also agree with him that the Total Bond market approach to bond index fund ...
by MnD
Mon Sep 22, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 15503

Re: Who uses both Schwab and Fidelity

Have both but due to recent poor customer service at Fidelity we'll likely be moving everything to Schwab as soon as we see where wife's new job has their 401K. Schwab has a dedicated customer service rep I've had for many years. Whatever issue I have he deals with it and gets the answer. He will of...
by MnD
Mon Sep 22, 2014 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Who uses both Schwab and Fidelity
Replies: 12
Views: 1005

Re: Dodge & Cox - Global Bond Fund on the way

I'd read the risk factors on this one. It's quite a small net assets so far. One thing you are pretty much guaranteed is *not* to track underlying indices. I'm good with that - it's paired with the TSP G fund as our only two fixed income holdings so overall a pretty sedate ride. Unlike stock index ...
by MnD
Sun Sep 21, 2014 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: Dodge & Cox - Global Bond Fund on the way
Replies: 46
Views: 6576

Re: Dodge & Cox - Global Bond Fund on the way

I got the first-semi-annual report in the mail today. Definitely not your plain vanilla bond fund....... A few parameters I thought were interesting below SEC yield 2.78% Net ER .60% Assets $23.2 million :mrgreen: # Bonds 85 Duration 3.7 years Hedging: Some - actively managed on a currency by curren...
by MnD
Sat Sep 20, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: Dodge & Cox - Global Bond Fund on the way
Replies: 46
Views: 6576

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

Buy and hold and controlling costs seemed to have worked out well for us. Bought a custom 2500 SF 1952 custom ranch in 1991 on 3/4 priavcy fenced acres for $108,000. Taxes are low, insurance moderate and upkeep has been reasonable. No HOA. We've had 23 years of space, privacy and the ability to modi...
by MnD
Tue Sep 16, 2014 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6547

Re: Individual stock

pennstater2005 wrote:
MnD wrote:Radio Shack!


:twisted:


No guts no glory! Swing for the fences!
The Shack comeback...... :mrgreen:
by MnD
Thu Sep 11, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: Individual stock
Replies: 21
Views: 1258

Re: Individual stock

Radio Shack!
by MnD
Thu Sep 11, 2014 8:40 pm
 
Forum: Investing - Theory, News & General
Topic: Individual stock
Replies: 21
Views: 1258

Re: Peter Lynch was wrong

Rick's article is great although I would have included his second piece of bad advice that 7% was a safe withdrawal rate. Lynch was just wrong. Rick, you should do a follow up article on this second "Lynch Wrong" as well. Did you run the simulation to see how a 7% nominal SWR on a stock-h...
by MnD
Tue Sep 09, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Peter Lynch was wrong
Replies: 64
Views: 6211

Re: Peter Lynch was wrong

Great book. I had always followed that approach anyways and it was very helpful to me to get some supplemental structure around observation-based selection as an initial screen. Boeing, Western Digital, Southwest Airlines, Varco, Cree, Costco were all ones I invested in using the Lynch approach with...
by MnD
Tue Sep 09, 2014 9:36 am
 
Forum: Investing - Theory, News & General
Topic: Peter Lynch was wrong
Replies: 64
Views: 6211

Re: Do you consider your emergency fund part of your portfol

Yes, it's six-figures and 100% equity.
My cash (TSP G Fund) is in my workplace retirement account and currently earning 2.125%.
I do not count checking/savings cash as that's pretty much just money-in, money out and not sufficient to be considered a viable emergency fund.
by MnD
Mon Sep 08, 2014 9:55 am
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3092

Re: POLL: Has a financial firm made a mistake with your mone

I had a few checks I wrote in the 1990's that never cleared my checking account despite the payee indicating that they deposited the checks and had the money in their bank account. So "Bank Error in My Favor" for a few hundred dollars. I also had a store-brand credit charge that the chain ...
by MnD
Mon Sep 08, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Has a financial firm made a mistake with your money?
Replies: 52
Views: 2759

Re: POLL: What was the first stock you ever bought?

Boeing around 1986 via Quick and Reilly brokerage.
No regrets.
by MnD
Fri Sep 05, 2014 12:25 am
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2911

Re: A Low-Return Future? Are We Prepared?

Some of the conservative views have been shaped by watching family members grow older and need full time care or be a burden on the rest of the family. Sadly this seems to be all too common, I'm watching it happen to my grandparents now. Some people are saving not just for their retirement but to m...
by MnD
Tue Sep 02, 2014 1:11 am
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12550

Re: A Low-Return Future? Are We Prepared?

There are a number of ways around lower returns, all of which requires some level of sacrifice: save more, lower your expectations of what retirement may look like, work longer, reduce consumption now. Doing none of the above and everything is on track (well above expectations actually). With conse...
by MnD
Mon Sep 01, 2014 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12550

Re: How to become a millionaire retiree -- then and now

With expected investment returns being much lower going forward from 2014, those who are beginning their retirement savings now and planning on retiring as millionaires in 30 years might want to start socking away even more than that in stocks. Another fortune teller on the "much lower" i...
by MnD
Sun Aug 31, 2014 10:49 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 67
Views: 10129

Re: Good place to buy eyeglasses without insurance?

Costco is an excellent place to get good glasses inexpensively. My glasses are bifocals with UV and scratch coatings in titanium frames. The total cost was about $190. My family has bought several pairs over the years and we have always been happy with them. Jeff I compared high quality and complex...
by MnD
Sat Aug 30, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 39
Views: 2671

Re: Poor Janus, a look at this once high flying fund family

the company I worked for in 2000 had this for my 401k. it's intl fund killed me :( I spent hours talking to one of their 401-K salespersons on a long flight during the go-go years for Janus. Everything she talked about how she and her company were benefiting, nothing about the investors. Her territ...
by MnD
Sat Aug 30, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 72
Views: 7589

Re: Is it me, or are "collectibles" worthless in 2014?

Downsizing boomers are dumping their "collectibles" and subsequent generations have no interest in accumulating that junk.
by MnD
Sun Aug 24, 2014 12:45 am
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6520

Re: Vanguard eliminates fee on FTSE All-World ex-US Small-Ca

Ask yourselves If EM continues to underperform developed over the next five years and this fund underperform its peer group will you be able to stay the course? Of course. Asset class sub-categories take turns leading and lagging. I want the broadest index possible to avoid missing the boat when a ...
by MnD
Sat Aug 16, 2014 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard eliminates fee on FTSE All-World ex-US Small-Cap
Replies: 35
Views: 5256

Re: Why would a passive investor use ETFs?

You don't generally get to pick the sponsor or funds offered in 401-K plans but if they offer a brokerage subaccount, you can use ETF's to buy exactly the type of low-cost index funds you want including Vanguard ones at no or minimal commission. Regular Vanguard Funds are often expensive to buy in a...
by MnD
Fri Aug 15, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Why would a passive investor use ETFs?
Replies: 60
Views: 3870

Re: Lifestyle Creep

We set our savings rate based on our long-term plans and current income. That comes out first and automatically. We spend the rest like drunken sailors. As long as item one gets done, I relish in lifestyle creep or better yet, bounce or jump. :mrgreen: We like spending on experiences and experts doi...
by MnD
Fri Aug 15, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 22
Views: 2714

Re: Retirement luxury vehicle

A loaded Venza is pretty luxurious and just the right seat height for older people to get in and out of. Very comfortable and solid feeling. We drove one recently and my thought was, if I was 15 years older (65ish) this would be the vehicle for me. $30k is not a luxury vehicle budget and people who ...
by MnD
Thu Aug 14, 2014 11:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4615

Re: Do you diversify into international bond?

I'm gradually accumulating Dodge and Cox Global Bond Fund (mostly corporate US and international bonds including emerging markets) paired with the US government bond fund in the federal employee retirement plan (G Fund). I believe this combination will outperform US Total Bond Market Fund with great...
by MnD
Thu Aug 14, 2014 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you diversify into international bond?
Replies: 33
Views: 2352

Re: Why is Bank of America so hated?

4. The worst online security I've ever seen. The address on my Fidelity AMEX (managed by BoA aka "FIA Card Services") account was changed suddenly. BoA said it was done online by somebody that had access to my login credential (highly unlikely because of reasons I will not share) but they...
by MnD
Wed Aug 13, 2014 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Bank of America so hated?
Replies: 43
Views: 2537

Re: Why is Bank of America so hated?

When BOA took over the Schwab 2% back credit card accounts, they made it impossible to refuse their new card with the lousy cash-back terms. When I got the very first letter informing me of the upcoming change (several weeks out from issuing the new BOA card) I called same day and told them I did no...
by MnD
Wed Aug 13, 2014 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Bank of America so hated?
Replies: 43
Views: 2537

Re: More on Computer Security

No. In 33 years I've had about 5 fraudulent charge card attempts. Three were completed for a loss to the CC company or retailer for about $200 total and I was out nothing. I've had three checks never clear my bank account for a a gain to me of around $300, despite the fact that they were deposited a...
by MnD
Tue Aug 12, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: More on Computer Security
Replies: 17
Views: 1639

Re: Most Hated Brokerage Firm?

Fido. After the hassle they gave me rolling my GM 401K over to a non-Fidelity IRA I'll never do business with them. Oh great. We have to do that soon. (Fidelity 401-K to Schwab IRA) :( We recently had some very bad customer service experiences with Fidelity with some "not my job" type cus...
by MnD
Tue Aug 12, 2014 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 74
Views: 7711

Re: POLL: My home is worth less/more in 2014 than in 2007?

Based on a couple of sales in our small 1950's subdivision the last couple of months including the house next door +40 to +45%. It's nuts here in "emerging popular" parts of Denver metro, and we never had the real estate bubble like in most parts of the country. First day listing bidding w...
by MnD
Tue Aug 12, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5990
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