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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: 31
Views: 2479

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: 26
Views: 1999

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: 671

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: 265

Re: Read WSJ every day ?

Never.
by Van
Wed Feb 18, 2015 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 86
Views: 4970

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: 6156

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: 165
Views: 9227

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: 2876

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: 3339

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: 573
Views: 70268

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: 8897

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: 4345

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: 3166

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: 2869

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: 2869

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: 8609

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: 3492

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: 1236

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: 205
Views: 17774

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: 19926

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: 7051

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: 573
Views: 70268

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: 20326

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: 5814

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: 1656

Re:

Reinvest dividends and use average cost when paying taxes. Also, stop reinvestment and regular contributions 30+ days before selling to avoid the other complications associated with muni bonds (ie having to pay taxes on interest earned by shares sold within 6 months of purchase). For this reason, y...
by Van
Tue Dec 02, 2014 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: muni bond funds in taxable - reinvest dividends?
Replies: 26
Views: 5570

Re: Retirees' Regrets

I'm 72 years of age, and I have been retired for 21 years (plus a few months). You can do the math.

LOVE IT. LOVE IT. LOVE IT.

The best part is I DON'T HAVE TO BE SMART ANYMORE! (I was a high level research scientist at a major pharmaceutical company---extremely demanding)
by Van
Fri Nov 21, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Retirees' Regrets
Replies: 23
Views: 3139

Re: Problem with posting

This thread is now in the Forum Issues and Administration forum (problem with posting). If someone posts a reply while you are typing and hit "Preview", you'll see the notification of the new post. This is not a new feature, it's been there a while (we're not going to change how the softw...
by Van
Thu Nov 20, 2014 5:04 pm
 
Forum: Forum Issues and Administration
Topic: Problem with posting
Replies: 9
Views: 1795

Re: Problem with posting

I have lost posts from time to time by not paying attention to the notice that someone else has replied while I was typing, and you can see I should know that by now. I personally might prefer not to have that feature. This is probably what happened to me, i.e. someone else replied while I was typi...
by Van
Thu Nov 20, 2014 2:51 pm
 
Forum: Forum Issues and Administration
Topic: Problem with posting
Replies: 9
Views: 1795

Re: Problem with posting

Yes, I am logged in.

Perhaps it is the edit issue, since I just click on Submit and navigate away.
by Van
Thu Nov 20, 2014 1:29 pm
 
Forum: Forum Issues and Administration
Topic: Problem with posting
Replies: 9
Views: 1795

Problem with posting

I have submitted a couple of replies in the last 2 days that I thought went through fine. However, my replies do not show up in the threads.

ANYONE ELSE HAVING THIS PROBLEM?
by Van
Thu Nov 20, 2014 12:26 pm
 
Forum: Forum Issues and Administration
Topic: Problem with posting
Replies: 9
Views: 1795

Re: AllClear ID identity theft protection?

The fees do vary by state, but are usually around $10/agency. In some states, if you are over 65, the fee is waived.

In all states, except 3, the freeze lasts until you remove it. One of the 3 is PA where the freeze lasts for 7 years. I'm not sure of the length for the other 2 states.
by Van
Tue Sep 30, 2014 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: AllClear ID identity theft protection?
Replies: 7
Views: 418

Re: Do Bogleheads Ladder CDs Anymore?

LeeMKE wrote:I don't right now, but did in 2008 when I got 5.5% on CDs over 12 months.

I usually have a ladder going, but not at the current rates!



DITTO
by Van
Sun Jul 27, 2014 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads Ladder CDs Anymore?
Replies: 25
Views: 2611

Re: Personal win: I am now free of individual holdings!

Congrats!

When I retired 75% of my total investment portfolio was in the stock of my former well-known blue chip company. I went on a 5 year plan to completely divest that stock and put the proceeds in (mostly) index funds. Never regretted it. Sleep much better.
by Van
Fri Jul 25, 2014 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal win: I am now free of individual holdings!
Replies: 18
Views: 1200

Re: Please help settle an argument

Without a crystal ball, there is no definitive answer that will settle your argument.
by Van
Wed Jul 23, 2014 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help settle an argument
Replies: 23
Views: 2092

Re: How many Bogleheads golf?

Golf is my main hobby, and I belong to a rather "low brow" country club.
I play about 4 times per week during the season in PA (about April through November).
It costs approximately $10,000 per year including dues, food minimum, cart fees, etc.
by Van
Sat Jun 28, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4815

Re: Options for the medical grad but no residency

Pharmaceutical company. Medical affairs, regulatory affairs or clinical trials department. I worked with lots of MDs at a very prominent "Big Pharma" company. Some were good and some were not so good, but at least the later were kept away from patients. :D
by Van
Sat Mar 22, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 98
Views: 9678

Re: Best car rental website?

Try Hotwire.
by Van
Tue Mar 18, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Best car rental website?
Replies: 30
Views: 2139

Re: Planning first trip to Oregon and Seattle - advice sough

The Oregon coast is visually spectacular.
by Van
Tue Mar 04, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Planning first trip to Oregon and Seattle - advice sought!
Replies: 43
Views: 2716

Re: Do you balance your checking account?

Absolutely yes, but my wife never does. She has not balanced her account for years.........I just don't get it.
by Van
Sun Feb 16, 2014 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 5568

Re: Optimal Number of Mutual Funds

AndrewXnn wrote:5 funds is about right, but when the price is right, one should also consider buying Berkshire Hathaway.
It is effectively a mutual fund.


Good idea. All I need to know is how to tell when the price is right.
by Van
Wed Feb 12, 2014 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Optimal Number of Mutual Funds
Replies: 78
Views: 4532

Re: Tax Exempt or Taxable; Am I Foolish?

I'm 72 years old, retired and 80% in bonds, 15% stocks and 5% cash. My bond allocation: 50% municipals (limited-term, intermediate term and high-yield), 25% corporate (intermediate-term investment grade and high-yield) and 25% GNMA. According to many that post here, I'm taking too much risk with my ...
by Van
Fri Feb 07, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt or Taxable; Am I Foolish?
Replies: 16
Views: 2160

Re: Glad I own bonds today!

At MY RECOMMENDATION, the wife is buying Total Stock Market Index priced at today's close. :oops: or :D ???
by Van
Fri Jan 24, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Glad I own bonds today!
Replies: 56
Views: 4584

Why No Tax Exempt ETFs from Vanguard?

Unlike other companies, e.g. iShares, Vanguard does not offer ETFs covering the municipal bond markets. Does anyone know if there is some particular reason why?
by Van
Wed Jan 22, 2014 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why No Tax Exempt ETFs from Vanguard?
Replies: 8
Views: 687

Re: SPIA or 3% Interest

I have a good chunk of money at 3% interest, I am well diversified in my investments, and retired. Just wondering if putting this money in a SPIA would be better than just leaving it there for the interest money? Where are you getting 3%? I cannot seem to find a return that good in an investment wi...
by Van
Sat Jan 18, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: SPIA or 3% Interest
Replies: 36
Views: 1980

Re: Umbrella insurance metrics/calculator

Let's say you are sued for $10 million dollars, and you only carry only $1 million in umbrella insurance. The insurer may look at the circumstances and decide not to aggressively defend against the suit. However, if you had a much bigger policy, the insurer might be much more inclined to aid in con...
by Van
Thu Jan 16, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance metrics/calculator
Replies: 29
Views: 1362

Re: Umbrella insurance metrics/calculator

Let's say you are sued for $10 million dollars, and you only carry only $1 million in umbrella insurance. The insurer may look at the circumstances and decide not to aggressively defend against the suit. However, if you had a much bigger policy, the insurer might be much more inclined to aid in cont...
by Van
Thu Jan 16, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance metrics/calculator
Replies: 29
Views: 1362
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