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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 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: AllClear ID identity theft protection?
Replies: 7
Views: 328

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 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads Ladder CDs Anymore?
Replies: 25
Views: 2539

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 3:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal win: I am now free of individual holdings!
Replies: 18
Views: 1180

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 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help settle an argument
Replies: 23
Views: 2044

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 4:30 pm
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4614

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 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 98
Views: 9318

Re: Best car rental website?

Try Hotwire.
by Van
Tue Mar 18, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Best car rental website?
Replies: 30
Views: 2041

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

The Oregon coast is visually spectacular.
by Van
Tue Mar 04, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: Planning first trip to Oregon and Seattle - advice sought!
Replies: 43
Views: 2562

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 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 5491

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 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: Optimal Number of Mutual Funds
Replies: 78
Views: 4510

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 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt or Taxable; Am I Foolish?
Replies: 16
Views: 2153

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 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Glad I own bonds today!
Replies: 56
Views: 4569

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 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why No Tax Exempt ETFs from Vanguard?
Replies: 8
Views: 677

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 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: SPIA or 3% Interest
Replies: 36
Views: 1947

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 8:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance metrics/calculator
Replies: 29
Views: 1351

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 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance metrics/calculator
Replies: 29
Views: 1351

Re: Do you adjust your asset allocation for future taxes?

Come on man......relax. This seems like OCD to me.
by Van
Sat Dec 21, 2013 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: Do you adjust your asset allocation for future taxes?
Replies: 26
Views: 1101

Re: Despite the headline defaults, munis doing okay

Thanks Larry for the nice article. This was welcome reassurance for someone with 1/3 of their assets in muni funds.
by Van
Fri Dec 13, 2013 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: Despite the headline defaults, munis doing okay
Replies: 85
Views: 6785

Re: Wine for daily consumption?

Double Dog Dare.

Quite good for a very inexpensive cab.
by Van
Tue Dec 03, 2013 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 5720

Re: If index funds didn't exist, what would you do?

Wellesley or/and Wellington.
by Van
Sun Nov 24, 2013 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: If index funds didn't exist, what would you do?
Replies: 60
Views: 2678

Re: Why are so many physicians unhappy with their careers?

Yea, it's hard to understand. Each day you can look forward to listening to a bunch of folks complaining about their aches and pains.....some real and some imagined.
by Van
Sun Oct 13, 2013 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why are so many physicians unhappy with their careers?
Replies: 110
Views: 7496

Re: Can you trust muni credit ratings

Larry,

Thank you for bringing attention to your article on the accuracy of ratings for municipal bonds. As someone highly invested in municipal bond funds, it was very reassuring.

Van
by Van
Wed Sep 18, 2013 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: Can you trust muni credit ratings
Replies: 51
Views: 2789

Re: Buffett's 5-Year investment rule

5 Years? 10 Years? Are you kidding? Does rebalancing count?
In January of this year, I pledged to myself that I would not make any portfolio moves until at least January of 2014. It has been tough, but so far I've "let it ride".
by Van
Mon Sep 02, 2013 6:29 am
 
Forum: Investing - Theory, News & General
Topic: Buffett's 5-Year investment rule
Replies: 3
Views: 988

Re: Is it 100% certain the market will drop when QE stops?

I'm pretty sure it might drop briefly before perhaps rising a little bit until corrective factors kick-in to mitigate whatever aberrant movement has taken place.
by Van
Thu Aug 22, 2013 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Is it 100% certain the market will drop when QE stops?
Replies: 30
Views: 2346

Re: Eggs All in One Basket?

All at Vanguard. The unique corporate structure gives me some peace of mind, but, if I let myself think about it, I get a tad nervous.
by Van
Sun Aug 18, 2013 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: Eggs All in One Basket?
Replies: 16
Views: 1962

Re: wells fargo 'custom choice' fees?

acrhii wrote: Has anyone had this type of arrangement with their wells fargo brokerage accounts? Is it worth it? I have an inherited IRA with a value of around 650K, and the broker has said that it allows me to move funds around without fees , and allows me to buy into otherwise closed funds. The f...
by Van
Thu Aug 15, 2013 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: wells fargo 'custom choice' fees?
Replies: 28
Views: 1917

Re: Bond Funds? Or put your money under mattress?

From what I've read on this forum, a key factor in making the decision on whether or not to put money in bond funds is when/if you will need to access the principal. If you will not need to access the principal for say 10 or more years, then it is perfectly ok to put money in a bond fund with a dura...
by Van
Sun Aug 11, 2013 7:42 am
 
Forum: Investing - Theory, News & General
Topic: Bond Funds? Or put your money under mattress?
Replies: 52
Views: 3919

Re: What is the Role of TIPS in Your Portfolio?

Right now, my TIPS fund is sucking the rest of my portfolio into the abyss.
by Van
Mon Aug 05, 2013 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: What is the Role of TIPS in Your Portfolio?
Replies: 71
Views: 4455

Re: Should I forget about purchasing individual stocks?

Yes and yes. (5 character minimum or I would have stopped with one yes) Anyone know the reason for the 5 character minimum?
by Van
Sun Aug 04, 2013 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I forget about purchasing individual stocks?
Replies: 117
Views: 7697

Re: Why you need bonds as rates rise

Say what you want about JBQ, but, I'm forever grateful to her for the best piece of investment advice I ever received.

In a Newsweek article many years ago, she advised to NEVER invest in anything that you do not understand.

Great guidance for the neophyte investor that I was at the time.
by Van
Fri Aug 02, 2013 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why you need bonds as rates rise
Replies: 61
Views: 6996

Re: What is my financial advisor doing?

What is my financial advisor doing?

I would guess he is investing his own money, some of which used to be yours, in low cost index funds.
by Van
Mon Jul 29, 2013 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is my financial advisor doing?
Replies: 49
Views: 3423

Re: What do you wish you had learned sooner?

"Greed is good."
by Van
Wed Jul 03, 2013 10:42 am
 
Forum: Investing - Theory, News & General
Topic: What do you wish you had learned sooner?
Replies: 104
Views: 12942

Re: 'Unprecedented' $80 Billion Pulled From Bond Funds = ?

How about: Interest rates went up, the NAV of bond funds went down. Bond funds now hold $80B less, due to the drop in NAV. No one sold anything. Keith I think Keith may be on to something. Although the drop in NAV might not explain all of the $80B, it might explain a significant portion of it.
by Van
Tue Jul 02, 2013 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: 'Unprecedented' $80 Billion Pulled From Bond Funds = ?
Replies: 39
Views: 5135

Short-Term IPS Fund (VTAPX): Where's the Distribution?

Vanguard states that their Short-Term Inflation Protected Securities Fund will have a quarterly distribution. I've owned this fund since January of 2013, but I did not receive a distribution at the end of March or at the end of June. I don't believe I'm alone in this regard, since I don't believe Va...
by Van
Mon Jul 01, 2013 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Short-Term IPS Fund (VTAPX): Where's the Distribution?
Replies: 5
Views: 613

Re: What was your worst investment?

When I was doing a postdoc and had absolutely no money, I borrowed $1000 from a credit union to buy "furniture". I invested all of the money in a sure thing stock called National Data Communications. When it started tanking, I tried unsuccessfully to sell it. Lost the whole shibang. What f...
by Van
Sat Jun 29, 2013 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: What was your worst investment?
Replies: 100
Views: 7832

Re: Is Technical Analysis a Waste of Time?

YES & YES

(I WOULD HAVE JUST SAID YES ONCE, BUT FOR SOME REASON THE MESSAGE MUST CONTAIN AT LEAST 5 CHARACTERS........WHO MAKES UP THESE RULES?)
by Van
Sat Jun 29, 2013 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Is Technical Analysis a Waste of Time?
Replies: 66
Views: 12857

Re: WSJ's Zweig: Saving Investors From Themselves

Is there an annual Bogleheads Award? If not, maybe there should be, and Jason Zweig should be the first recipient. I learned a considerable amount about investing from reading his articles over the years in Money magazine, and I was disappointed when he left that magazine to take his considerable ta...
by Van
Fri Jun 28, 2013 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ's Zweig: Saving Investors From Themselves
Replies: 23
Views: 3654

Re: Is "buying organic" food worth it?

It's all a bunch of crap.
by Van
Wed Jun 26, 2013 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Is "buying organic" food worth it?
Replies: 89
Views: 4822

Re: bond returns - reinvest in this climate?

Third try: I'm 80% in bond funds and reinvest all dividends and capital gains, if any. I'm hoping that the theory proves correct that all will work out OK in the time frame approximately equal to my weighted duration of about 4.3 years.
by Van
Mon Jun 24, 2013 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: bond returns - reinvest in this climate?
Replies: 7
Views: 590

Re: bond returns - reinvest in this climate?

I've tried twice to post a reply, but it just does not show up. Anyone know why?
by Van
Mon Jun 24, 2013 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: bond returns - reinvest in this climate?
Replies: 7
Views: 590

Re: Muni Bond ETFs are breaking

I'm amazed that anyone would still buy or hold munis, given the bad and rapidly worsening fiscal position of most cities and states, which don't even have the "benefit" of having a buyer of first and last resort (the Fed). Not to worry, if you buy a fund with high quality bonds..........p...
by Van
Fri Jun 21, 2013 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: Muni Bond ETFs are breaking
Replies: 75
Views: 5676

Re: Poll: How much cash do you carry?

Usually >$400 bucks. The reason goes back to a missed opportunity for a nice night with an airline stewardess many years ago. I just did not have any money in my pocket to seal the deal.
by Van
Thu Jun 13, 2013 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How much cash do you carry?
Replies: 103
Views: 5780

Re: Greenspan: Stock market downside "quite limited"

Wasn't he the same guy who declared "irrational exuberance" in 1996 before the market had a huge run? And wasn't he the same guy who "banked" on the free market controlling risk in the housing lender business? +1 I do not know why anyone would listen to him at this point. In my ...
by Van
Mon Jun 10, 2013 8:22 am
 
Forum: Investing - Theory, News & General
Topic: "Stock market downside quite limited"
Replies: 25
Views: 3364

Re: Purchase fee eliminated for Vanguard Short Term TIPS fun

I wish I had waited. :oops:

Any chance of getting a refund, if I contacted the fund? :happy
by Van
Sun Jun 02, 2013 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Purchase fee eliminated for Vanguard Short Term TIPS fund
Replies: 19
Views: 1953

Re: Do you tip on take out?

Never.
by Van
Mon May 27, 2013 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on take out?
Replies: 70
Views: 5018

Re: Isn't it a bad time to be investing??

I believe Mr. Bogle recently (last 6 months or so) stated that this is the most difficult time to invest in his lifetime. The context, as I recall, was in relation to expected returns over the next ten years or so. Unfortunately, I do not remember the reference, and, therefore I can't supply a link....
by Van
Sun May 26, 2013 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: Isn't it a bad time to be investing??
Replies: 67
Views: 7067

Re: Poll: Umbrella Insurance

I carry $5 M. If I'm sued for anything close to that, I think State Farm will provide some nice legal effort on my behalf. Am I thinking correctly?
by Van
Fri May 24, 2013 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Umbrella Insurance
Replies: 84
Views: 5050
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