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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 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 24
Views: 1518

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
Fri Oct 17, 2014 12:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 24
Views: 1518

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 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 24
Views: 1518

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 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27780

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 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Treasury Bonds falling through the floor
Replies: 13
Views: 1398

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 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 156363

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 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27780

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 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 156363

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 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27780

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 11:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: if you wouldn't buy Total Bond Market now, then when and why
Replies: 7
Views: 1532

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 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27780

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 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27780

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 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Should we diversify our bond holdings?
Replies: 13
Views: 898

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 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27780

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 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27780

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 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: today's WSJ page 1...interesting
Replies: 22
Views: 3274

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 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds Beware
Replies: 34
Views: 4416

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 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds Beware
Replies: 34
Views: 4416

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 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Why is this Bond fund performing so well?
Replies: 14
Views: 1192

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 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 36
Views: 1702

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 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Corporate Bond Funds
Replies: 3
Views: 528

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 2:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan D [Tale of Woe]
Replies: 21
Views: 1995

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 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2275

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 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2275

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 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Role of Short Term Bond Funds in Long Term Portfolio
Replies: 6
Views: 691

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 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Best Time Of Year To Visit Mediterranean
Replies: 28
Views: 1420

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 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD Bond Mutual Funds, and Bond duration more to lose sleep
Replies: 8
Views: 553

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 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: So far, so good? Vanguard Total International Bond
Replies: 45
Views: 4809

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 11:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why no more Vanguards
Replies: 36
Views: 4934

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 10:59 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2435

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 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Why no more Vanguards
Replies: 36
Views: 4934

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 9:57 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2435

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 9:47 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2435

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 9:32 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2435

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 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3294

Re: Which Vanguard BOND Fund ?

Why would one select a bond fund with the same criteria (performance) as they do a stock fund? Bond fund selection should be about choosing a fund with the highest rating and greatest diversification without too long or short of a duration. TBM is a no-brainer. +1 Tell Jack Bogle that TBM is a no-b...
by Munir
Fri Aug 22, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3294

Re: Which Vanguard bond Fund ?

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 that premise. Please note that Jack Bogle does not advocate for such ownership in his statements over the last 2-3 years. A lot of peop...
by Munir
Fri Aug 22, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3294

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 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3294

Re: Which Vanguard BOND Fund ?

If I may ask, as I'm also in the distribution phase, can you provide the percentages you hold in your mix of Investment Grade, Total Bond Market, Short-Term bond funds, SPIAs and cash? I also see you may not hold any TIPS. If you don't, can you give me your reasoning? I enjoy comparing other's pers...
by Munir
Thu Aug 21, 2014 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3294

Re: Which Vanguard BOND Fund ?

A number of Bogleheads do not see the Total Bond Fund as the apporpriate sole bond fund to hold. These doubters include Jack Bogle and Larry Swedroe (who have different reasons for not liking it). There have been many threads on this forum discussing this subject. The risks of corporate bonds have b...
by Munir
Wed Aug 20, 2014 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3294

Re: Which Vanguard BOND Fund ?

Good afternoon all. I have 20% of my (retirement) money in Vanguards Intermediate-Term Investment Grade Bond Fund (VFIDX) Admiral Shares 3 Year - Average Annual Performance 5.40% but, I see Vanguard also has a Intermediate-Term Corporate Bond Index (VICSX) Admiral Shares 3 Year - Average Annual Per...
by Munir
Wed Aug 20, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3294

Re: Vanguard Bond funds Style change

Slightly off-topic, I just noticed that M* recently raised the average credit rating of the Intermediate Investment Grade fund (VFIDX) from BBB to A, which makes it the same rating as the Intermediate Bond Index Fund (VBILX).
by Munir
Sun Aug 17, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Bond funds Style change
Replies: 19
Views: 1919

Re: RBD here yet? (DOW -300points drop)

"Take your risk in stocks"- how true. A 2.02% drop today in the Total Stock Market fund. The intermediate bond funds (including investment grade!) did not budge today while dropping about 0.35% -0.40% yesterday which was the extent of their "big" fall. But one day means little. L...
by Munir
Thu Jul 31, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 49
Views: 5197

Re: Bonds!!??

I am puzzled. If the facts about bonds are so self-evident as nisiprius, Taylor, and many others state, then why do so many Bogleheads (and others) still discuss and explore so many variations of bond & fixed income instruments' ownership?
by Munir
Tue Jul 29, 2014 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds!!??
Replies: 56
Views: 11060

Re: Target Retirement vs Life Strategy Income

We are trying to simplify our portfolio so my wife will not have to manage our asset allocation after I pass. Either choice will work but I'm concerned about the lack of Infl. Protection in the LFI fund. Our Vang. advisor said the stock portion will be enough for that. Our AA in 30/70 Stk/Bnd. What...
by Munir
Tue Jul 29, 2014 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement vs Life Strategy Income
Replies: 7
Views: 1337

Re: POLL: Do you own corporate bonds?

From the statistics above up till now, about half of the responding Bogleheads own dedicated corporate bond funds or corporate bonds, and about another 40% own them as part of a total bond fund for a total of 90%. This is surprising because the number of posters who slam corporate bonds (usually wit...
by Munir
Sat Jul 26, 2014 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 35
Views: 2269

Re: POLL: Do you own corporate bonds?

livesoft: is there a reason for not including the Intermediate Investment Grade Fund in your portfolio (VFIDX)?
by Munir
Fri Jul 25, 2014 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 35
Views: 2269

Re: Adding Corporates to Total Bond Market Index

Welcome back Landy.... The most realistic solution I see for today's interest rate environment is ST IG (LT Tax-Ex in taxable) for rebalance money, which has a better interest rate rise recovery rate (yield/duration), and the rest in IT IG corporates. I don't like it, but I like it better than what...
by Munir
Wed Jul 23, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7179

Re: Adding Corporates to Total Bond Market Index

Recall especially how corporates, even highly rated ones, behave in a crisis. They tank. Recall how treasuries behave in a crisis. They soar. Just look at the spread between corporates and US treasuries in the 2008 crash. Corporate bonds behave like stocks in a crisis, treasuries behave the opposit...
by Munir
Tue Jul 22, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7179

Re: Adding Corporates to Total Bond Market Index

What happened to the "stay the course" motto? I do hope you see the irony in your query. (A few years ago, "stay the course" had not yet become "stay the course -- after switching to corporate bonds.") --Peter Peter, I don't see the irony because I have always favored ...
by Munir
Tue Jul 22, 2014 1:28 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7179
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