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Re: What Movie Have You Recently Watched?

Birdman, Perhaps I've the only person in America who did not enjoy this one...and I usually enjoy quirky, non-formulaic films...just couldn't get into it and I am even a big Edward Norton fan. Maybe it was too dark, too odd for even me. For those who enjoyed it, would like to know what subtle messa...
by Van
Mon Apr 20, 2015 7:42 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 783
Views: 105443

Re: “Entry level” luxury cars under 40k

A luxury car for under 40k does not exist, at least not a new one.

Take the 40k and buy a truly superior car that is a few years old?
by Van
Mon Apr 20, 2015 2:00 pm
 
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 96
Views: 8470

Re: Bernstein: "If you've won the game, stop playing."

What happens if you've won the game and, ten years into retirement, the rules of the game change? Example: Social Security becomes means tested and the formula says you don't need the SS benefits you have relied on for a significant portion of your living expenses. If you are counting on Social Sec...
by Van
Fri Apr 17, 2015 11:01 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 14790

Re: Bernstein: "If you've won the game, stop playing."

I'm very happy to say that I "have won the game", and my assets are therefore in a very conservative allocation. That would be 80% bond funds, 15% stock funds and 5% cash. Exactly one-half of the bond allocation is municipals. Some might argue that this is taking some unnecessary risk, and...
by Van
Fri Apr 17, 2015 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 14790

Re: What Book Are You Currently Reading? Part VI

THE LOST CITY OF Z.

Fascinating account of the exploits in the Amazon of the British explorer Percy Harrison Fawcett and those that followed him.
by Van
Tue Apr 14, 2015 5:03 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 661
Views: 92916

Re: Can sole beneficiary be the sole trustee?

Thank you bsteiner for your interesting reply. I don't see a problem with having the trust included in the beneficiary's estate. Perhaps I'm missing something here. You mentioned that, if there is a co-trustee, a replacement co-trustee should not be a close relative. Two questions: is that SHOULD no...
by Van
Mon Apr 13, 2015 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can sole beneficiary be the sole trustee?
Replies: 4
Views: 486

Can sole beneficiary be the sole trustee?

My will leaves money in trust for my son. The only beneficiary is my son and he is also the only trustee. In essence, the funds will be totally unencumbered (which is what I desire) but still protected from a creditor or a spouse. The attorney that drew up the trust agreement insists that this is fi...
by Van
Mon Apr 13, 2015 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can sole beneficiary be the sole trustee?
Replies: 4
Views: 486

Re: Question on Vanguard Intermediate Muni (VWITX)

Can we assume that "following advice on this board", this was purchased as a long-term investment? If so, why are you concerned about your gain/loss in a month or two?
by Van
Sun Apr 05, 2015 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on Vanguard Intermediate Muni (VWITX)
Replies: 6
Views: 742

Re: Can I afford a $1M house?

Do you really need a $1M dollar house?
by Van
Fri Mar 27, 2015 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 74
Views: 7984

Re: VanG Intermediate Term Bond Market Question

I wanted to have 50% of my bonds in municipals and the other 50% split between US government and corporates. So the Vanguard Intermediate Term Bond Index was the perfect fit for my non-municipal allocation. Total Bond was too heavy in US government for my objective, but it is certainly a favorite am...
by Van
Tue Mar 24, 2015 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: VanG Intermediate Term Bond Market Question
Replies: 20
Views: 1910

Re: Laptop: Windows based vs. Apple

I've had a MacBookPro laptop for more than 5 years. This is the perfect machine! I could not be more satisfied.
by Van
Mon Mar 23, 2015 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 6355

Re: Vanguard Problems

When experiencing a problem with a large company, I have gotten very satisfactory results by writing directly to the CEO. Even if your recent problems are resolved, you would be doing all Vanguard investors a favor by letting the CEO know what happened to you.
by Van
Mon Mar 23, 2015 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Problems [Account transactions]
Replies: 22
Views: 3204

Re: Does your CPA/Tax Person help with reducing your taxes?

My accountant was very competent, but he never offered any advice that helped save on taxes due. So, there was no "offset" against his fees. That is a big part of the reason that I started using TurboTax about 5 or 6 years ago.
by Van
Fri Mar 20, 2015 9:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your CPA/Tax Person help with reducing your taxes?
Replies: 66
Views: 5799

Re: Interest rate hike signaled

toto238 wrote:I have a watchlist of every single Vanguard ETF, including 52 different ETFs. Literally every single one of them is up right now. Every single one.

How is this even possible?


Tomorrow, when every single one is down, the question will be: How is this even possible?
by Van
Wed Mar 18, 2015 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interest rate hike signaled
Replies: 25
Views: 2270

Re: Bernstein: 2% investment returns over next 20 years

20 years! Are you kidding me? Despite all of the advanced technology, no one can consistently predict tomorrow's weather. This guy is predicting financial returns over 20 years..........think about it.
by Van
Mon Mar 09, 2015 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 23609

Re: What is your fixed income mix?

50% Vanguard Intermediate-Term Tax-Exempt and 50% Vanguard Intermediate-Term Bond Index.
by Van
Mon Mar 09, 2015 5:50 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your fixed income mix?
Replies: 33
Views: 2489

Re: I hate the new Vanguard Web navigation!!!

CABob wrote:It seems to me that I have initially disliked almost all website changes that VG has made over the past 10 years or so. Eventually, I got used to it and is seemed OK. This latest change seems to be following the previous pattern. :annoyed


+1
by Van
Sun Mar 08, 2015 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 4775

Re: interest rate increase looming. what you gonna do ?

Nothing, but in a very proactive way.
by Van
Sat Mar 07, 2015 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 6468

Re: Reasons not to use Total Bond Market?

Total Bond is ok, but I prefer Vanguard's Intermediate-Term Bond Index Fund. It is 50% US Government bonds and notes and 50% corporates, all within the 5 to 10 year frame. The return for the Intermediate-Term Bond Index Fund has been better than Total Bond Fund. But is has a longer duration than it...
by Van
Fri Mar 06, 2015 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 7402

Re: The More I learn, the Less changes I make

Agree completely, but it should be FEWER changes.
by Van
Fri Mar 06, 2015 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: The More I learn, the fewer changes I make
Replies: 25
Views: 3305

Re: Reasons not to use Total Bond Market?

Total Bond is ok, but I prefer Vanguard's Intermediate-Term Bond Index Fund. It is 50% US Government bonds and notes and 50% corporates, all within the 5 to 10 year frame. The return for the Intermediate-Term Bond Index Fund has been better than Total Bond Fund. But is has a longer duration than it...
by Van
Fri Mar 06, 2015 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 7402

Re: Reasons not to use Total Bond Market?

Total Bond is ok, but I prefer Vanguard's Intermediate-Term Bond Index Fund. It is 50% US Government bonds and notes and 50% corporates, all within the 5 to 10 year frame. The return for the Intermediate-Term Bond Index Fund has been better than Total Bond Fund.
by Van
Fri Mar 06, 2015 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 7402

Re: ...it is madness to risk losing what you need in pursuin

Trying to make money they did not need, they risked money they did have and did need.

Paraphrase of another Buffet quote.
by Van
Mon Mar 02, 2015 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: ...it is madness to risk losing what you need in pursuing wh
Replies: 48
Views: 5340

Re: Why Bonds With 20 Year Horizon?

Day9 wrote:Diversifying across asset classes may provide better risk-adjusted returns.


RETURN IS RETURN IS RETURN................

YOU CAN'T SPEND THE "RISK-ADJUSTMENT".
by Van
Thu Feb 26, 2015 7:24 pm
 
Forum: Investing - Theory, News & General
Topic: Why Bonds With 20 Year Horizon?
Replies: 72
Views: 5348

Re: Beer sales in PA supermarkets? Is this allowed now?

PA liquor laws are incredibly backward and idiotic.
by Van
Thu Feb 26, 2015 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Beer sales in PA supermarkets? Is this allowed now?
Replies: 10
Views: 778

Discrepancies in bond holdings in some Vanguard funds.

I was on the Vanguard web site looking at the GNMA bond fund and noticed something unusual. If you click on Portfolio & Management and then look under Fixed Income Characteristics, the Number of Bonds listed for this fund is 38. Now if you scroll down a little and click on Portfolio Holdings, th...
by Van
Mon Feb 23, 2015 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Discrepancies in bond holdings in some Vanguard funds.
Replies: 2
Views: 288

Re: I'm not a bad Boglehead

$20 bucks already down the drain for 10 tickets.
by Van
Tue Feb 10, 2015 5:05 pm
 
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 6514

Re: Where is John C. Bogle's Presidential Medal of Freedom?

He absolutely deserves it........a great man.
by Van
Mon Feb 09, 2015 4:09 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 12484

Re: Should I put a Credit Freeze on my accounts?

Do it. The peace of mind is worth way more than the minimal effort required and the few dollars. My wife and I have had our credit frozen for 8 years. We are retired and rarely need to unfreeze, but when we do, it is not a big hassle. I think it is especially important to freeze your credit after re...
by Van
Mon Feb 09, 2015 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I put a Credit Freeze on my accounts?
Replies: 32
Views: 3003

Re: Scottsdale, AZ - what to do?

Play/learn to play GOLF.
by Van
Mon Feb 09, 2015 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - what to do?
Replies: 42
Views: 3462

Re: What Movie Have You Recently Watched?

Foxcatcher; Big Eyes; The Imitation Game.

Foxcatcher is very good, but The Imitation Game was a little better. Big Eyes is OK.

Oh yea, Birdman too. My wife liked it, and I didn't think it was all that great.

In order of best to not as good: The Imitation Game, Foxcatcher, Big Eyes = Birdman.
by Van
Sun Feb 08, 2015 7:40 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 783
Views: 105443

Re: How to make this fair: gifting to kids with different me

It also incentivizes the production of additional grandchildren.[/quote]

Apparently you think this is a good thing. IMHO, the world is over populated already.
by Van
Fri Feb 06, 2015 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 9269

Re: The lowest stock allocation you plan to stay with

It depends entirely on your particular situation, e.g. your age, your monetary needs and where you are in the investment "game". I'm 15% stocks and 85% bonds because that fits my situation. Warren Buffet warned: "To make money they didn't need, they risked what they did have and did n...
by Van
Fri Jan 30, 2015 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4660

Re: What mutual fund companies do you use?

100% Vanguard.
by Van
Wed Jan 28, 2015 11:20 am
 
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 63
Views: 3504

Re: Anyone else love reading textbooks?

NO
by Van
Fri Jan 23, 2015 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Anyone else love reading textbooks?
Replies: 82
Views: 2956

Re: Anyone else love reading textbooks?

NO
by Van
Fri Jan 23, 2015 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Anyone else love reading textbooks?
Replies: 82
Views: 2956

Re: "When you've won the game, stop playing"

Thanks Taylor. I think this advice is not followed often enough, especially by those that might be letting an advisor guide their investments.

The quote ascribed to Warren Buffet is priceless.
by Van
Tue Jan 20, 2015 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8959

Re: RMD withdrawals.

chaz wrote:I take my RMD in late December to get the maximum from the compounding.


Me too.
by Van
Tue Jan 20, 2015 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD withdrawals.
Replies: 43
Views: 3723

Re: Bonds, are they worth it?

Bonds are a good way to try to keep up with inflation (and maybe do a little better), if you have accumulated all that you will ever need and don't need or want to take on a lot of risk.
by Van
Thu Jan 08, 2015 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, are they worth it?
Replies: 11
Views: 1265

Re: What do you drive, and why?

2014 Mercedes-Benz 350 E class. Bought it new on 7/14/14. Why? Because I can't take the money with me.
by Van
Mon Jan 05, 2015 5:35 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 248
Views: 24070

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2197.46
by Van
Thu Jan 01, 2015 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 20940

Re: Retiree Poll:What is your current AA?

20% stock and 80% bonds.

I'm 73 years of age and do not need to take much risk. Doubling my portfolio would not change my life style, but a 50% decrease would give me pause.
by Van
Sat Dec 27, 2014 7:05 am
 
Forum: Investing - Theory, News & General
Topic: Retiree Poll:What is your current AA?
Replies: 85
Views: 7161

Re: What Movie Have You Recently Watched?

FOXCATCHER.

Very good.
by Van
Sat Dec 27, 2014 6:56 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 783
Views: 105443

Re: WHY is retirement enjoyable / something to look forward

If you had an extremely demanding and stressful occupation with no realistic alternative, you would not be asking this question.
by Van
Tue Dec 16, 2014 9:51 am
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20811

Re: Have you ever been let go?

Yep, from my very first job. I got my first job the summer between my freshman and sophomore years in high school. It was sorting returned empty bottles at a Pepsi bottling company. Besides Pepsi, the company also bottled BubbleUP and various other soft drinks. As the various types of bottles used f...
by Van
Tue Dec 09, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5977

Re: Vanguard GNMA Fund vs. Vanguard Total Bond Fund

Thanks for posting the data.

I've held the Vanguard GNMA fund for many, many years. No regrets versus holding Total Bond.

For diversification and tax reasons, I also have some corporates and a whole lot of municipals.
by Van
Fri Dec 05, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard GNMA Fund vs. Vanguard Total Bond Fund
Replies: 20
Views: 1767
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