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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: 1793

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: 81
Views: 5643

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: 20
Views: 2803

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: 58
Views: 4631

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: 2217

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: 22787

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: 2381

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: 4519

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: 6183

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: 7068

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: 3181

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: 7068

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: 7068

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: 5055

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: 71
Views: 4800

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: 711

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: 272

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: 101
Views: 6760

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: 6370

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: 11538

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: 2952

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: 3372

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: 654
Views: 85391

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: 9160

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: 4477

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: 3249

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: 2901

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: 2901

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: 8699

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: 3592

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: 1250

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: 18203

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: 20360

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: 7107

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: 654
Views: 85391

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: 20523

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: 5911

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: 1727

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: 5596

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: 3148

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: 1836

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: 1836

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: 1836

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: 1836

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: 430

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: 2620

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: 1204

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: 2103
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