Search found 1789 matches

Return to advanced search

Re: Master Thread for Portland, Oregon

ComStar wrote:I live in Salem and would like to join in... Is this group still meeting?


Yes. See the post immediately above yours.
by Munir
Wed Dec 17, 2014 12:02 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 81
Views: 17644

Re: [POLL] What Fixed Income Assets Do You Use?

I would have liked to see SPIAs listed separately instead of being considered "other".
by Munir
Tue Dec 16, 2014 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What Fixed Income Assets Do You Use?
Replies: 37
Views: 1697

Re: 3 Fund vs. Stategic Life Style

3 Fund vs. Stategic Life Style dansmail26: The Vanguard Three Fund Portfolio and the Vanguard Life Strategy Funds both contain Vanguard's three total market index funds -- so they are similar funds. * The Life Strategy Funds are normally preferred when portfolios contain only tax-advantaged account...
by Munir
Mon Dec 15, 2014 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund vs. Stategic Life Style
Replies: 13
Views: 1058

Re: "Why Bother With Bonds" -- A Gem

A good bond book for beginners.
by Munir
Mon Dec 08, 2014 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: "Why Bother With Bonds" -- A Gem
Replies: 33
Views: 8836

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

Would anyone be aware when the Q&A to Jack Bogle may be available? Nothing's changed since the last time you asked and I responded upthread. http://www.bogleheads.org/forum/viewtopic.php?p=2241077#p2241077 Thanks Mel! I am looking forward to it. Perhaps someday I can attend a conference! Any ta...
by Munir
Wed Dec 03, 2014 11:40 am
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 71
Views: 7728

Re: Favorite nonfiction books

Being Mortal by Atul Gawande (2014)

Boston Globe: “Being Mortal: Medicine and What Matters in the End,” Harvard surgeon Atul Gawande’s masterful exploration of aging, death, and the medical profession’s mishandling of both, is his best and most personal book yet.
by Munir
Mon Dec 01, 2014 1:25 am
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 9611

Re: Should 529s be counted part of our net worth?

Calculating networth is a great way to see where you are In terms of accumulating wealth. Paid off house and 529s account for a big chunk of my assets. I can use house equity and 529s for retirement albeit with penalties and interest. It is used in my networth calculations. Do you include the 529 w...
by Munir
Sat Nov 29, 2014 2:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Should 529s be counted part of our net worth?
Replies: 34
Views: 2548

Re: Should 529s be counted part of our net worth?

If the 529 is included in my assets, does that mean I should include it in my asset allocation calculations when considering equites, fixed income etc even though my intent is not to use it for my personal investments/spending except in a dire emergency?
by Munir
Fri Nov 28, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should 529s be counted part of our net worth?
Replies: 34
Views: 2548

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: 2382

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: 2382

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: 2244

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: 12195

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: 12195

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: 850

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: 850

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: 850

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: 4472

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: 4472

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: 1311

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: 4630

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: 595

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: 71
Views: 7728

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: 71
Views: 7728

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: 2174

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: 2174

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: 2174

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: 464
Views: 36385

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: 1425

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: 1054
Views: 184329

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: 464
Views: 36385

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: 1054
Views: 184329

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: 464
Views: 36385

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: 1597

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: 464
Views: 36385

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: 464
Views: 36385

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: 1361

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: 464
Views: 36385

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: 464
Views: 36385

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: 3309

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: 5125

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: 5125

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: 1396

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: 2462

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: 566

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: 2096

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: 2395

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: 2395

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: 707

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: 1550

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: 569
Next

Return to advanced search