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International Bonds a strategy for rising rates?

Saw this article on the Vanguard site today. Is this a good enough reason to include 20% or so? After reviewing the research paper Vanguard published, I was left with more complexity for minimal benefit.
by am
Tue Sep 16, 2014 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard on International Bonds
Replies: 5
Views: 452

Re: Do I need to hold my emergency fund in cash?

Consider a short to intermed. Muni bond fund instead of cash for part of your emergency fund.
by am
Sun Sep 14, 2014 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need to hold my emergency fund in cash?
Replies: 29
Views: 3006

Re: Emergency fund question

1st month checking
2-18th months AMEX savings and Ally CD
18+ months intermed. Term muni
If need more than this have taxable stock funds

I sleep better at night with this much liquid reserves.
by am
Sun Sep 14, 2014 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Emergency fund question
Replies: 6
Views: 620

House value percentiles in states and US?

There are charts for personal income. Just curious if there are similar statistics available for house values? Say you own a 600k house, where does this fall in terms of state and us percentiles? Would also be interesting to see what percent of people at varying values own their home without mortgage.
by am
Sun Sep 07, 2014 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: House value percentiles in states and US?
Replies: 2
Views: 420

Re: So far, so good? Vanguard Total International Bond

Good returns do not justify inclusion in a portfolio. There is still no good reason for most investors to include this in their portfolio. See older discussions.
by am
Fri Sep 05, 2014 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: So far, so good? Vanguard Total International Bond
Replies: 44
Views: 3843

Re: Is it me, or are "collectibles" worthless in 2014?

I aquired some baseball card wax boxes from 1982-1985 years back mostly for nostalgic purposes. Love to see them sitting on my shelf. Brings back memories and also makes me feel kinda old. They ranged from about 50 dollars for 82 Fleer to about 200 for 84 donruss. Seems like they have appreciated a ...
by am
Sun Aug 24, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6143

Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

Anyone find it troubling that indexing is becoming so popular? Wonder if this will somehow change the "market" if there are fewer stock pickers?
by am
Thu Aug 21, 2014 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 6968

Recommendation for ear buds/in ear headphones

Tons of choices on Amazon. Want something real comfortable to wear for long periods with great sound while I work out and go for walks. This is for my Ipod. Thanks.
by am
Fri Aug 15, 2014 8:19 am
 
Forum: Personal Consumer Issues
Topic: Recommendation for ear buds/in ear headphones
Replies: 18
Views: 759

Re: Do you diversify into international bond?

Minimal to no benefit in the past with added complexity. Total bond is more than enough diversification.
by am
Thu Aug 14, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you diversify into international bond?
Replies: 33
Views: 2253

Re: New VG Performance Charts

Is the percentage return at the top compound annual growth rate or some other measure?
by am
Sat Aug 09, 2014 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: New VG Performance Charts
Replies: 17
Views: 2010

Re: Persistence of SV performance

Seems like it is tough for the average retail investor to capture the SV premium, especially if investing at Vanguard. I also think that most investors could not tolerate the tracking error. My conclusion is that there is a SV premium to be had, but not for most retail investors who invest on their ...
by am
Tue Jul 15, 2014 9:33 am
 
Forum: Investing - Theory, News & General
Topic: Persistence of SV performance
Replies: 71
Views: 3962

Alternative to taxable account ( for physician)

So I saw this huge malpractice award : http://www.bostonglobe.com/metro/2014/06/29/overlooked-lung-cancer-results-million-verdict-against-radiologist/rbFZ4e94nIeH57r46ixVSL/story.html for millions way over the limits for most physician policies, in my field. Oversights like this are very common but ...
by am
Sat Jul 05, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alternative to taxable account ( for physician)
Replies: 4
Views: 589

Re: Market Timing with the PE10

If we have a specific portfolio goal that we would want to reach, I would think we would want to increase equities and/or savings rate since returns are expected to be low. I am not sure that high valuations necessarily mean that there will be a market crash. I would reduce equity exposure when I ap...
by am
Sat Jul 05, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Market Timing with the PE10
Replies: 18
Views: 2331

Brick patio question

We have aging concrete with some cracks and chips in our patio which is about 500 sq feet. Replacing several of the worst concrete slabs and stoop is about 1200 dollars. Brick patio is about 6600-8000k. Does it make sense to do the brick on a 600k house- which is in the lower 1/2 of home prices in o...
by am
Wed Jul 02, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Brick patio question
Replies: 8
Views: 975

Re: Hitting "The Number" too early

Take as little risk as possible with your money from this point on. Unless you Love your job, reduce hours and do things you enjoy more. As one smart boglehead said, you are more likely to run out of time than money.
by am
Tue Jul 01, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hitting "The Number" too early
Replies: 49
Views: 5444

Re: I am thinking of buying Ooma or Magicjack need help deci

Have used magic jack for about one year with rare call quality problems, but otherwise great. When I make the call again, problem goes away. Can not believe I paid for a land line all those years!
by am
Tue Jul 01, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 3332

Re: Driveway crack question

Is the condition such that one or more of the sections could be "floated"? Our HOA had sinking and cracking problems with the big sections of concrete surrounding the swimming pool and we opted to have the necessary sections "floated" and then the whole deck was resurfaced. What...
by am
Sun Jun 29, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Driveway crack question
Replies: 13
Views: 1174

Re: Driveway crack question

Yes we know that :) . But 20k or something like that for a stone driveway seems very non boglehead. 20k would be about 3% of the value of the house and probably would not raise the value.
by am
Sun Jun 29, 2014 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Driveway crack question
Replies: 13
Views: 1174

Re: Driveway crack question

Not a tripping issue, mostly a cosmetic issue. We have a house which we renovated in the last 5 years. The crack is an eyesore since we see it each time we open the front door. We filled it in in the past with filler but that lasted about a year and was gray colored coming no where near the color of...
by am
Sun Jun 29, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Driveway crack question
Replies: 13
Views: 1174

Driveway crack question

We have a 30 year old concrete driveway which is in decent shape other than a crack with step off by the part by our front door which extends across 2 slabs. Seems like it would be a good idea to address this problem as part of regular mantenance and for resale purposes. Our options are: To do nothi...
by am
Sun Jun 29, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: Driveway crack question
Replies: 13
Views: 1174

Re: I'm livid -- Disability insurance dishonesty

Looks to me like that's a Principal policy! My wife and I have our disability policies with them as well, and yes, the Mental/Nervous Disorder limitation is the 10% discount, multi-life is 20% (which was the discount received for my residency program affiliation). The mental/nervous disorder limita...
by am
Sat Jun 28, 2014 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm livid -- Disability insurance dishonesty
Replies: 11
Views: 3106

Re: Would you change stock allocation based on market condit

So when valuations are high, do you increase stock exposure to account for lower expecred returns or lower stocks because of possible crash? I am not convinced that high valuations can be applied in a practical way. Seems like some think high valuations= imminent stock crash but do not think this is...
by am
Mon Jun 23, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: Would you change stock allocation based on market conditions
Replies: 37
Views: 1810

Re: Would you change stock allocation based on market condit

How about if PE 10 gets to 50 or we reach Japan level valuations before the crash? Do we just stick to the plan or do something?
by am
Sun Jun 22, 2014 9:41 pm
 
Forum: Investing - Theory, News & General
Topic: Would you change stock allocation based on market conditions
Replies: 37
Views: 1810

Would you change stock allocation based on market conditions

Just wondering if a true Boglehead should ever change their allocation based on market conditions instead of their need, want and ability to take risk? I heard Bogle reduced stock exposure in 99'. Should we be looking out for some trigger point to change our stock allocation?
by am
Sun Jun 22, 2014 7:31 pm
 
Forum: Investing - Theory, News & General
Topic: Would you change stock allocation based on market conditions
Replies: 37
Views: 1810

Re: I Bonds 5.27% interest

I have a hard time getting excited about I bonds. Guess it may be a decent choice amongst all the bad riskless investments.

Here is an article from white coat investor http://whitecoatinvestor.com/series-i-b ... t-for-you/ that also questions "investing" in them.
by am
Sun Jun 22, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds 5.27% interest
Replies: 33
Views: 3721

Re: Tax Exempt Bond Fund as Emergency Fund?

Tier your emergency fund. I use checking account--> FDIC savings account and CDs--> int muni TE. The int muni serves as a 3rd tier EM fund but also part of my allocation for new investment money every month. Think it would be a long shot to run through first two tiers. So I take a little risk for th...
by am
Sat Jun 21, 2014 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Bond Fund as Emergency Fund?
Replies: 8
Views: 663

Re: "5 myths and misconceptions about indexing"

Will there always be enough active investors to make us indexers continue to ride the wave? Seems like indexing is getting more popular with institutions and small retail investors. Tons of books advocating indexing. Even finance guys I know who sell products tell me I am on the right track when I t...
by am
Wed Jun 11, 2014 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: "5 myths and misconceptions about indexing"
Replies: 6
Views: 1758

Re: High P/E = high future returns?

When will you get back in? There are so many possibilities like a crash that happens next month or 8 years later, low returns for the next 18 years, high returns for an additional 4 years followed by ___, PE remaining between 35-45 for X number of years, etc.
by am
Sun Jun 08, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: High P/E = high future returns?
Replies: 20
Views: 1491

Re: High P/E = high future returns?

What are you going to do when PE 10 is 40? What else is there to buy that will give you reasonable growth? Didnt the Vanaguard tactical allocation funds switch to fixed percentages now? Valuations matter but how are they actionable?
by am
Sun Jun 08, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: High P/E = high future returns?
Replies: 20
Views: 1491

Re: High P/E = high future returns?

Interesting post. Valuations matter but only to give a range of expected returns, and only based on past data. That is why the boglehead principle of staying the course is so critical. I often have an urge to do something to increase returns like fiddle with portfolio, reduce stocks exposure in resp...
by am
Sun Jun 08, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: High P/E = high future returns?
Replies: 20
Views: 1491

Re: Expense ratio? How much difference does it make?

Does ER matter for asset classes that have no low cost investment options like frontier markets or commodity futures? There is no comparison you can make to something cheaper wt Vanguard. The returns you get is as good as you will do.
by am
Sat Jun 07, 2014 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 1832

Re: Future PenFed CD rates

Can someone explain what determines CD rates at a particular bank? Where do banks get funds to pay the interest on CDs? What do banks do with the money they get from investors for cds? Thanks,
by am
Thu Jun 05, 2014 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: Future PenFed CD rates
Replies: 9
Views: 1516

Re: Which is superior? Slice & Dice or [Total Market]?

I am a 3 funder for most of the last 7 years or so. I used to fiddle a lot with slices and dices when I started but no longer do this. I have conceded the fact that slice and dice, value/factor tilts will likely be the winner over my lifetime. But for me, the 3 funder is good enough and easy. I am m...
by am
Thu Jun 05, 2014 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: Which is superior? Slice & Dice or [Total Market]?
Replies: 48
Views: 3812

Re: Where to Put Emergency Fund?

My emergency fund is not for car repairs, roof etc. it is mostly for job loss. Therefore I keep a large one because market is poor for my field, I do not want to move, I do not want to take anything that comes my way. I have about 1.5-2 years in CDs at Ally, + AMEX personal saving. I also have a tax...
by am
Tue Jun 03, 2014 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to Put Emergency Fund?
Replies: 18
Views: 1913

Re: Half Milestone Hit!

For high income accumulators at 500k portfolio, yearly investments still play a big role in growth. When you hit 1 mil or so than returns matter more. Lose 20% of 500k than down to 400k but 60k yearly contribution gets you to 460k. With 1 mil, you lose 20%, down to 800k with 60k contribution gets yo...
by am
Tue Jun 03, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Half Milestone Hit!
Replies: 44
Views: 2582

Re: Half Milestone Hit!

Congrats! Bogleheads are deinitely a succesful bunch in terms of wealth accumulation. Only a young boglehead would ever say that accumulating 500k is not a big deal. For the average person out there, that is way more wealth than they will accumulate in a lifetime! This website can really skew your r...
by am
Tue Jun 03, 2014 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Half Milestone Hit!
Replies: 44
Views: 2582

Fitness tracker recommendation

Anyone use a fitness tracker or pedometer that they like and is accurate throughout the day? The cheaper the better, preferably less than 100 dollars. Also am not a big fan of wearing a bracelet so something small that can clip on or fit into a pocket. Thanks.
by am
Mon Jun 02, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Fitness tracker recommendation
Replies: 12
Views: 994

Re: Market fluctuation in late 2008

What an exciting time to invest if you were starting out. 600 point drops became routine. Seemed like the market would never stop diving. I had little invested at that time but had new money coming in which I invested with much enthusiasm until about the bottom. At that time, mother called and said ...
by am
Sun May 25, 2014 11:54 am
 
Forum: Investing - Theory, News & General
Topic: Market fluctuation in late 2008
Replies: 51
Views: 3425

Re: Emergency Fund Revisited

I keep more than 6 months because we are a single income home. Bad market for my field. Do not want to move. So cash and equivalents is about 18-24 months. Have other taxable investments to tap. A job loss may mean a sustained period of no/low income. Moving 1000 miles for a job at this point in my ...
by am
Mon May 19, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund Revisited
Replies: 24
Views: 1867

Re: Grantham's Latest

Market goes up more years than down so optimits right more than pessimists.

No one knows where the market is headed. We just know it will fluctuate and that corrections and bears happen fairly frequently (at least historically).
by am
Sat May 03, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: Grantham's Latest
Replies: 8
Views: 1042

Re: HSA and investment questions

My question is not whether an HSA should be used, but should the investment options in the account be used or to simply keep the money in cash? Since the investment horizon is not clear, as the money may have to be used for a major medical event. Also, would you invest the money in an HSA account in...
by am
Fri May 02, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA and investment questions
Replies: 6
Views: 878

Re: What's your number?

62, no mortgage, 1 mil + (I assume SS) and can not retire comfortably? Wow. You are better off than most. Grandparents retired on Mostly SS, traveled, gave me goodies, and lived in a nice apartment.
by am
Thu May 01, 2014 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31599

HSA and investment questions

Is it generally recommended to invest in an HSA account? Fees are 2.50/month. Some good low fee index choices. Interest is negligible in cash account. Should asset allocation be in line with the rest of portfolio or more conservative given the possibility of a major medical event causing one to use ...
by am
Thu May 01, 2014 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA and investment questions
Replies: 6
Views: 878

Re: Why will stocks/bonds do worse than in the past?

Predicting future stock returns is a fools errand. What, PE 10 is the best predictive method we have and if I remember it is about 40% accurate? So many things can happen that will influence returns. Wars, terrorism, innovations, etc. So if PE is high, maybe it will go higher, real slow for the next...
by am
Wed Apr 30, 2014 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: Why will stocks/bonds do worse than in the past?
Replies: 30
Views: 5584

Re: For or Against: VG International Bond Index Fund?

In that Vanguard paper, the benefit of int. bonds was tiny. I use bonds for safety and want the highest quality. Not sure why I would need to diverse away from the portfolio held by total bond. Seems to me like adding complexity without much benefit. Sticking to my 3 funder. The years have taught me...
by am
Tue Apr 29, 2014 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: For or Against: VG International Bond Index Fund?
Replies: 11
Views: 1133

Re: Worst Case Scenario, How Far Could Limited Term Drop?

You are describing interest rate risk. How about default risk? Look at what happened to the Schwab and Fidelity ultrashort bond funds in 2008. I am hoping that Vanguard bond analysts are smarter, and the huge number of bonds the muni funds hold will prevent huge drops. But if the entire muni market ...
by am
Sun Apr 27, 2014 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Worst Case Scenario, How Far Could Limited Term Drop?
Replies: 13
Views: 2227

Re: Worst Case Scenario, How Far Could Limited Term Drop?

How about Schwab yield plus mutual fund which lost 35% being a safe ultrashort bond fund in 2008? Fidelity short term bond fund and ssga yield plus are a few additional examples of safe investments with a good track record which had risks that showed up. Regions Morgan Keegan select high income lost...
by am
Sat Apr 26, 2014 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worst Case Scenario, How Far Could Limited Term Drop?
Replies: 13
Views: 2227

Re: Worst Case Scenario, How Far Could Limited Term Drop?

Are there risks that have not shown up? Perhaps unusually high muni defaults? Unanticipated tax law changes. Seems to me that anytime there is a market, demand could dry up for numerous reasons and prices will dive acdordingly. Remember all types of "safe" investments not becoming so durin...
by am
Sat Apr 26, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worst Case Scenario, How Far Could Limited Term Drop?
Replies: 13
Views: 2227

Part time work opportunity- opinions wanted

I am a physician who has an opportunity to work 80% load. My current schedule leaves relatively little time and mostly energy to pursue hobbies, travel, etc and has probably led to burn out. Call on weekends, evening, nights is what drains me the most and the frequency would not change, only more da...
by am
Sun Apr 20, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Part time work opportunity- opinions wanted
Replies: 5
Views: 623
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