Search found 1781 matches

Return to advanced search

Re: Jack Bogle says VTBMX + VICSX?

Personally, after reading similar statements from Mr Bogle multiple times, I chose to switch to VBILX for now. I wanted to keep it simple, while still doing *something* about the matter... Now hopefully, I'll be disciplined enough to NOT change my mind for a few years. Although I don't think it is ...
by Munir
Tue Nov 18, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Jack Bogle says VTBMX + VICSX?
Replies: 15
Views: 2234

Re: Jack Bogle says VTBMX + VICSX?

I wouldn't obsess about it, especially if you are just starting out and have a relatively small bond allocation. Even Bogleheads don't agree with everything Mr. Bogle says (though we appreciate what he has done for the common investor). I started out with 6 to 7 different funds and have consolidate...
by Munir
Mon Nov 17, 2014 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Jack Bogle says VTBMX + VICSX?
Replies: 15
Views: 2234

Re: Assisted Living

gatorking wrote:I recommend http://atulgawande.com/book/being-mortal/
Not all assisted living facilities are created equally.


+1
by Munir
Tue Nov 11, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living
Replies: 24
Views: 1932

Re: Poll: What is your Bond Allocation %?

Also am in Total S/T Bond Index instead of Intermediate. Kalo What is "Total S/T Bond Index?" S/T = short term https://personal.vanguard.com/us/funds/snapshot?FundId=0132&FundIntExt=INT I know S/T means short-term, but there is no Vanguard bond fund title that includes the words "...
by Munir
Sat Nov 08, 2014 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: What is your Bond Allocation %?
Replies: 93
Views: 12100

Re: Poll: What is your Bond Allocation %?

Kalo wrote:Also am in Total S/T Bond Index instead of Intermediate.

Kalo


What is "Total S/T Bond Index?"
by Munir
Sat Nov 08, 2014 1:23 am
 
Forum: Investing - Theory, News & General
Topic: Poll: What is your Bond Allocation %?
Replies: 93
Views: 12100

Re: Intermediate Grade Corp vs Intermed Grade Investment?

0) Please try to post fund names more clearly. For the record, the ticker symbols are VICSX and VFIDX respectively, Admiral Shares. 1) The Corp fund is a bit longer duration and a bit lower credit risk, that's why it pays more. The extra yield doesn't come for free. 2) I haven't checked on sector c...
by Munir
Thu Nov 06, 2014 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate Grade Corp vs Intermed Grade Investment?
Replies: 12
Views: 804

Re: Intermediate Grade Corp vs Intermed Grade Investment?

The Corp fund yield is somewhat higher and is investment grade but is concentrated in financials and industrials. So the higher yield results from the greater risk due to concentration? Any comments on which may be a better choice right now? Hi EdwardL007, Any good short term or intermediate term b...
by Munir
Thu Nov 06, 2014 10:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate Grade Corp vs Intermed Grade Investment?
Replies: 12
Views: 804

Re: Intermediate Grade Corp vs Intermed Grade Investment?

AlanSteven wrote:I like the intermediate term investment grade since the duration is 5.3 years vs 6.5 for the Corporate bond fund. Given interest rates will eventually go up, you will have somewhat less of a decline in NAV with the shorter duration.

Alansteven


+1
by Munir
Thu Nov 06, 2014 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate Grade Corp vs Intermed Grade Investment?
Replies: 12
Views: 804

Re: Anyone consider retiring to Vancouver, Washington?

To live in Vancouver, WA, and purchase goods in Oregon is a tax avoidance scheme and not ethical in my opinion because it means I'm unloading my tax share onto someone else. If both states had the exact same sales tax rate, and you choose to make a purchase in Oregon, while living in Washington, I ...
by Munir
Sat Nov 01, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Anyone consider retiring to Vancouver, Washington?
Replies: 45
Views: 4424

Re: Anyone consider retiring to Vancouver, Washington?

If I was going to live in that area I would pick Portland over Vancouver simply because I don't want to get out of the car and pump my own gas when it's raining out. :D +1. As for taxes, I do not believe in an exclusive sales tax sytem and neither in an exclusive income tax. A balanced combination ...
by Munir
Sat Nov 01, 2014 12:50 pm
 
Forum: Personal Consumer Issues
Topic: Anyone consider retiring to Vancouver, Washington?
Replies: 45
Views: 4424

Re: 401K changing Pimco Tot Ret to VG Int Term Bond Index. O

Great fund with a good balance between corporates and US government instruments. The only possible slight disadvantage is its longer duration of 6.5 years vs. 5.6 for Total Bond Market and 5.3 for the Intermediate Investment Grade. A combination of the latter two (not available in your plan) could g...
by Munir
Thu Oct 30, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K changing Pimco Tot Ret to VG Int Term Bond Index. OK?
Replies: 17
Views: 1287

Re: The safest 4 door sedan out there

Why not a Hummer? Or just get a tank- THAT has to be the safest. :happy
by Munir
Thu Oct 30, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4533

Re: Total bond market vs. Total international bond market /

1) We don't use the international bond fund, I think it adds unnecessary complexity and extra expense, with little or no readily apparent benefit. 2) I don't understand your second question. On the Bogleheads' wiki look at "principles of tax-efficient fund placement". 3) He has suggested ...
by Munir
Mon Oct 27, 2014 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Total bond market vs. Total international bond market / IRA
Replies: 7
Views: 566

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

My question/comment was in error, so I deleted it. Billy had more than one entry in the conversation and I missed that.
by Munir
Sat Oct 25, 2014 2:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 6966

Re: Thank You!!! Bogleheads Conference #13 (2014)

I retitled the thread... I'm back home and want to say I had a blast. It was great meeting everyone. I've contacted the appropriate people and expect to get copies of the slide packages for posting in the wiki. Give everyone a few days to get organized. Lady Geek, Can you remind those of us who wer...
by Munir
Fri Oct 24, 2014 8:32 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 6966

Re: Meaning of Important note included in Medicare part D pl

My views on mail order pharmacies are for longterm medications used for chronic problems. Anything that is dependent on temperature control ( don't know any in that category) would be a special case. I take a common generic BP medication. It comes in a factory sealed 90 count package. The factory l...
by Munir
Fri Oct 17, 2014 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 2060

Re: Meaning of Important note included in Medicare part D pl

My views on mail order pharmacies are for longterm medications used for chronic problems. Anything that is dependent on temperature control ( don't know any in that category) would be a special case. Have not had any errors or delays from doctors' offices, and since I refill it while I still have a ...
by Munir
Thu Oct 16, 2014 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 2060

Re: Meaning of Important note included in Medicare part D pl

In the Humana Walmart plan, the $320 deductible does NOT apply to tier 1 & I think tier 2. These are usually generics.There are no copays for the generics and no deductible, but just the monhtly premium which is around $15 for 2015 (was about $12 this past year). I use this plan and it has been ...
by Munir
Thu Oct 16, 2014 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 2060

Re: Headed for a 300+ point loss today?

Tigermoose wrote:This is exciting. At this rate, I might actually be able to buy some stocks in January when I rebalance!


Why not now? It may be too late in January. Or is it market timing if done now and rebalancing if done in January?
by Munir
Wed Oct 15, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34333

Re: Treasury Bonds falling through the floor

Good day to sell bond funds and buy equity funds- also called rebalancing (or is it market timing) ? :happy
by Munir
Wed Oct 15, 2014 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Treasury Bonds falling through the floor
Replies: 13
Views: 1417

Re: U.S. stocks in freefall

This thread maybe getting bumped a little more often:) S%P down about 1.6% thus far today. How much has the S & P fallen since last Monday morning in % and true numbers? S&P 500 closed Friday, 10/3/2014 at 1,968 (last Monday morning opening) and closed today at 1,875... a drop of -4.7% (and...
by Munir
Mon Oct 13, 2014 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 158313

Re: Headed for a 300+ point loss today?

axxs wrote:s&p500 is down 144 from its peak...down about 7% now.


How much has the S & P fallen since last Monday morning in % and in true numbers?
by Munir
Mon Oct 13, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34333

Re: U.S. stocks in freefall

dbCooperAir wrote:This thread maybe getting bumped a little more often:)

S%P down about 1.6% thus far today.


How much has the S & P fallen since last Monday morning in % and true numbers?
by Munir
Mon Oct 13, 2014 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 158313

Re: Headed for a 300+ point loss today?

Down, down, down! Is it time for all of us to stand in a circle, hold hands, and sing Kumbaya? :(
by Munir
Mon Oct 13, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34333

Re: if you wouldn't buy Total Bond Market now, then when and

If I don't expect to use those funds for at least 5 years, and preferrably 10 years or more, I would buy TBM now together with Intermediate Investment Grade (VFIDX). I would also have cash and a short term bond fund for needs within those 10 years. Yes, interest rates can keep rising over the next d...
by Munir
Sun Oct 12, 2014 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: if you wouldn't buy Total Bond Market now, then when and why
Replies: 7
Views: 1580

Re: Headed for a 300+ point loss today?

DOW on rollercoaster last few days, looks like it's straight down today. Might be headed for a 300 point loss or more unless the dip buyers show up. :shock: :shock: Who cares? If you're in it for the long haul one day or even a few months of down days shouldn't matter. Agree. Find something more us...
by Munir
Fri Oct 10, 2014 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34333

Re: Headed for a 300+ point loss today?

DOW on rollercoaster last few days, looks like it's straight down today. Might be headed for a 300 point loss or more unless the dip buyers show up. :shock: :shock: Who cares? If you're in it for the long haul one day or even a few months of down days shouldn't matter. Agree. Find something more us...
by Munir
Fri Oct 10, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34333

Re: Should we diversify our bond holdings?

For those in favor of the Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares (VFIDX), what % of our SEP's should be allocated to that? Or TIPS? Int'l Bonds weren't really somethings that we felt was necessary, either. I'm thrilled to be getting so many eloquent replies so quickly! Than...
by Munir
Fri Oct 10, 2014 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Should we diversify our bond holdings?
Replies: 13
Views: 1291

Re: Headed for a 300+ point loss today?

I love all those folks who don't care about the market moves (yawn, snooze, etc..) but keep posting again and again on how much they don't care :happy .
by Munir
Thu Oct 09, 2014 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34333

Re: Headed for a 300+ point loss today?

What is the significance of severe volatility in the market with no catastrophic events evident to justify such volatility? The S&P swinging by over 33 points up then down (up till this hour) on two successive days?!! Is it a signal for something about to happen?
by Munir
Thu Oct 09, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34333

Re: today's WSJ page 1...interesting

Let's not argue about this. The solution is: a) Use the paywall link. b) Copy the exact title, in this case "Fund Manager’s Formula for Finding a Winner: Look for a Winner" c) Paste the exact title into a Google search. Perhaps with double quotes around it to tell Google you want the exac...
by Munir
Wed Oct 08, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: today's WSJ page 1...interesting
Replies: 22
Views: 3300

Re: Bonds Beware

When i started my FP last month, I was worried sick as to the fearmongering about bonds and interest rates. My VG CFP put my fears at ease with this article....bottomline for me is that even if the bonds fall due to interest rate hike, they are destined to recover in a few years due to exact opposi...
by Munir
Mon Oct 06, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds Beware
Replies: 34
Views: 4888

Re: Bonds Beware

Nisiprius, The piece on USAToday is addressing potential liquidity crisis - sellers wanting to sell that can't find buyers. It's a situation known as "liquidity risk" and some bond pros are scrambling to prepare for it. Portfolio managers are hoarding cash. BlackRock, the world's largest ...
by Munir
Mon Oct 06, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds Beware
Replies: 34
Views: 4888

Re: WHy is this Bond fund performing so well?

umm you could just answer the question instead of being condescending...no? If you're referring to exeunt's post, I would say that it is actually good advice. FWIW, I didn't read it as condescending, and I'd bet that it wasn't meant that way either. If exeunt's post is not condescending, I don't kn...
by Munir
Sat Oct 04, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Why is this Bond fund performing so well?
Replies: 14
Views: 1367

Re: Medicare Part D (Prescriptions), changing plans

It's about that time of the year to make any changes if necessary. So, is anyone changing providers ? As of last week, I will be changing from First Health Part-D (S5768-145) to Cigna (S5617-108). I think I will lower my annual costs about $300 and even more if I can get into their mail order progr...
by Munir
Fri Oct 03, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 37
Views: 2232

Re: Vanguard Corporate Bond Funds

The one with more US Treasuries has less credit risk. The one with a shorter duration has less interest-rate risk. One can dial in any risk level they want by their choice of bond funds. There is really no way to know which risk will show up and when. As noted a few times in the forum, my rule-of-t...
by Munir
Tue Sep 30, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Corporate Bond Funds
Replies: 3
Views: 552

Re: Medicare Plan D Tail Of Whoa!

The only way to choose an OPTIMAL Part D plan is to use Drug Plan Finder at MEDICARE.GOV and enter all the drugs you are taking. The Plan Finder will list all the plans that are available to you in the order of lowest total annual cost to highest. The top three plans can be compared after making su...
by Munir
Mon Sep 22, 2014 1:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan D [Tale of Woe]
Replies: 21
Views: 2051

Re: Part D Sticker Shock

Do you have the Humana Walmart RX Plan available? At medicare.com it shows it's $12.60 mth but that is for the rest of the year. It isn't clear to me what it will be in 2015. $15.70 next yr with a small increase in deductible to $320. There is no deductible (and no co-pay) for Tier 1 & 2 medica...
by Munir
Sat Sep 20, 2014 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2344

Re: Part D Sticker Shock

Do you have the Humana Walmart RX Plan available? At medicare.com it shows it's $12.60 mth but that is for the rest of the year. It isn't clear to me what it will be in 2015. $15.70 next yr with a small increase in deductible to $320. There is no deductible (and no co-pay) for Tier 1 & 2 medica...
by Munir
Sat Sep 20, 2014 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2344

Re: Role of Short Term Bond Funds in Long Term Portfolio

As a retiree, the bulk of my bond funds is in Intermendiate Investment Grade followed by Total Bond Market . However, I also keep a portion in the Short Term Investment Grade (in addition to an online savings account) as an emergency fund source and for short-term anticipated expenses. In sumamry, I...
by Munir
Fri Sep 19, 2014 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Role of Short Term Bond Funds in Long Term Portfolio
Replies: 6
Views: 701

Re: Best Time Of Year To Visit Mediterranean

Generally, September-October and April-May but check the climate during those periods in individual countries before you decide.
by Munir
Mon Sep 15, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: Best Time Of Year To Visit Mediterranean
Replies: 28
Views: 1497

Re: RMD Bond Mutual Funds, and Bond duration more to lose sl

Funkey wrote:Sorry but what is a RMD?


Required minimum distribution. It is the required amount that a retiree has to withdraw from his/her traditional IRA annually after reaching the age of 70 1/2. It is a certain percentage mandated by government that varies with the advancing age of the retiree.
by Munir
Mon Sep 15, 2014 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: RMD Bond Mutual Funds, and Bond duration more to lose sleep
Replies: 8
Views: 564

Re: So far, so good? Vanguard Total International Bond

Could that outperformance be due to the longer duration and/or lower credit quality of VTABX? If the durations and credit quality were equivalent and it outperformed then I would take notice. Agree with asif408. A more accurate comparison, even for such a short meaningless period of time, is betwee...
by Munir
Sun Sep 07, 2014 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: So far, so good? Vanguard Total International Bond
Replies: 45
Views: 5871

Re: Why no more Vanguards

.... Vanguard's awful attitude .... made us pull her IRA. I agree with you 100%. Vanguard staffs have extremely bad attitute toward customers. It's degradatory and insulting everytime I had to talk to one of their so called "customer service" reps. When dealing with personal finance, woul...
by Munir
Fri Sep 05, 2014 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why no more Vanguards
Replies: 36
Views: 4998

Re: Warning level

One more question. Does the "warned" individual have access to his/her record detailing what caused the warnings? From what I see on my control panel, I would say yes, the warnings are explained in the the PMs on the warnings. I have no record of saved incoming messages but only sent mess...
by Munir
Fri Sep 05, 2014 9:59 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2704

Re: Why no more Vanguards

Fidelity has its Spartan funds which are pretty much competitive with Vanguard's offerings. But I am sure they push their active funds and their high priced Fidelity Advisory Services offerings because that is where they make the big bucks. We have Fidelity Spartan and have never been pushed toward...
by Munir
Fri Sep 05, 2014 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Why no more Vanguards
Replies: 36
Views: 4998

Re: Warning level

Have you ever received a PM from a moderator warning about one of your posts? That still does not anwer the question as to how many warnings, and over what period of time, will cause banning. It's also not clear if the Warning Level number represents the quantity of warnings, the severity of the of...
by Munir
Fri Sep 05, 2014 8:57 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2704

Re: Warning level

tadamsmar wrote:Have you ever received a PM from a moderator warning about one of your posts?


That still does not anwer the question as to how many warnings, and over what period of time, will cause banning.
by Munir
Fri Sep 05, 2014 8:47 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2704

Re: Warning level

In looking at my profile I see there is a warning level, but I don't know what the number means. How many warning levels are there and what does each level mean? Thanks in advance, BobK I second the question. I have the number 4 (? bad guy) in my warning level and the only one I remeber is when I a...
by Munir
Fri Sep 05, 2014 8:32 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2704

Re: Which Vanguard bond Fund ?

Many Bogleheads own TIPS and many do not. That is not a contradiction. I have no knowledge whether the majority of BHs own TIPS or not. It seems that there is an orthodoxy being promoted on this forum for needing to own TBM and TIPS in order to be a "true" BH. I respectfully disagree with...
by Munir
Fri Aug 22, 2014 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3333
Next

Return to advanced search