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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: 61
Views: 2552

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: 2783

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: 2783

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: 8346

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: 40
Views: 2939

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: 1223

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: 17078

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: 19740

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: 6977

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: 476
Views: 55867

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: 20046

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: 5774

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: 1594

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: 5529

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: 3128

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: 1735

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: 1735

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: 1735

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: 1735

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: 367

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: 2602

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: 1197

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: 2089

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: 4777

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: 9612

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: 2117

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: 2706

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: 5549

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: 4530

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: 2158

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: 4580

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: 684

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: 1971

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: 1359

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: 1359

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 11:22 am
 
Forum: Investing - Theory, News & General
Topic: Do you adjust your asset allocation for future taxes?
Replies: 26
Views: 1112

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 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: Despite the headline defaults, munis doing okay
Replies: 85
Views: 8084

Re: Wine for daily consumption?

Double Dog Dare.

Quite good for a very inexpensive cab.
by Van
Tue Dec 03, 2013 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 5917

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

Wellesley or/and Wellington.
by Van
Sun Nov 24, 2013 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: If index funds didn't exist, what would you do?
Replies: 60
Views: 2694

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 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why are so many physicians unhappy with their careers?
Replies: 110
Views: 7599

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 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: Can you trust muni credit ratings
Replies: 51
Views: 2990

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 5:29 am
 
Forum: Investing - Theory, News & General
Topic: Buffett's 5-Year investment rule
Replies: 3
Views: 990

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 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: Is it 100% certain the market will drop when QE stops?
Replies: 30
Views: 2354

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 6:57 pm
 
Forum: Investing - Theory, News & General
Topic: Eggs All in One Basket?
Replies: 16
Views: 1980

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 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: wells fargo 'custom choice' fees?
Replies: 28
Views: 2118

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 6:42 am
 
Forum: Investing - Theory, News & General
Topic: Bond Funds? Or put your money under mattress?
Replies: 52
Views: 4071

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 11:34 am
 
Forum: Investing - Theory, News & General
Topic: What is the Role of TIPS in Your Portfolio?
Replies: 71
Views: 4586
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