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Re: Do Bogleheads Ladder CDs Anymore?

Yes. I am building a five rung CD ladder.
by gkaplan
Sun Jul 27, 2014 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads Ladder CDs Anymore?
Replies: 25
Views: 2324

Re: What Book Are You Currently Reading? Part V

I have just begun Massacre Pond, the fourth in a series featuring Maine Game Warden Mike Bowditch. The author, Paul Doiron, is a Registered Maine Guide.
by gkaplan
Sat Jul 26, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3111
Views: 1006655

Re: Efficient frontier by decade

This is a purely anecdotal observation. I have been posting on this forum and it's predecessor on Morningstar for a long time. The 100% equity posts seem to become much more prevalent when the market is hitting new highs. They pretty much completely disappear when the market hits a correction or, e...
by gkaplan
Sat Jul 26, 2014 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: Efficient frontier by decade
Replies: 39
Views: 18108

Re: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000

Poll: Which happens first, closing price of NASDAQ ending in .42 or .24? Answer choices. Choose any sixteen. You may change your answers before or after voting. For "pheasant," read "peasant" throughout. ⋅ Yes. ⋅ Reply hazy, try again. ⋅ .24 on IEX,...
by gkaplan
Wed Jul 23, 2014 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000?
Replies: 33
Views: 3081

Re: What Book Are You Currently Reading? Part V

I'm a little over one hundred pages into The Doll: a Novel by Taylor Stevens. This is the third in her Vanessa Michael Munroe series.
by gkaplan
Tue Jul 22, 2014 5:32 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3111
Views: 1006655

Re: P/E Ratio: How do YOU interpret/use it?

I don't interpret it, and I don't use it.
by gkaplan
Tue Jul 22, 2014 2:00 am
 
Forum: Investing - Theory, News & General
Topic: P/E Ratio: How do YOU interpret/use it?
Replies: 26
Views: 1344

Re: Portfolio Withdrawal 4% rate with Ceiling and Floor

I also think Vanguard's website describes this.
by gkaplan
Mon Jul 21, 2014 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Withdrawal 4% rate with Ceiling and Floor
Replies: 8
Views: 981

Re: Problems accessing the site

I had the same problem, and Lady fixed it for me. Do PM her.
by gkaplan
Mon Jul 21, 2014 11:06 pm
 
Forum: Forum Issues and Administration
Topic: Problems accessing the site
Replies: 6
Views: 444

Re: VG Admiral Fund-falling below minimum investment

livesoft wrote:The use of the word "may" at least twice sure leaves a lot of leeway, doesn't it? It also might be perhaps maybe somewhat incongruent with the word mandatory. Since when do "mandatory" and "may" go together? It's oxymoronic.


Is that maybe like a double negative?
by gkaplan
Sun Jul 20, 2014 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 36
Views: 3308

Re: Hearing Aids

I have an audiology services appointment with the Portland VA July 31st to test my hearing. I have more difficulty, I think, hearing lower register voices than upper register voices, but I think my problems are acute enough to warrant hearing aids. The only concern I have with having hearing aids, o...
by gkaplan
Sun Jul 20, 2014 7:14 pm
 
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 82
Views: 6178

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

I don't tax-adjust my portfolio, because (1) I am math challenged to a great extent, and (2) It's too much trouble, at least for me.

Given most of the responses in this thread, however, perhaps I should have a more aggressive allocation, since my rollover IRA consists entirely of fixed income.
by gkaplan
Sun Jul 20, 2014 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 77
Views: 3648

Re: NY Times Article - a case for index investing

I found it ironic that this article had a Raymond James ad.
by gkaplan
Sun Jul 20, 2014 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times Article - a case for index investing
Replies: 23
Views: 2923

Re: [Poll] % of 3 funds in your financial asset portfolio?

It's either been a long day, or my advancing age has destroyed most of my brain cells, but I don't get what's being asked in this poll. Is the poll directed to those who have the three-fund portfolio talked about in this blog? Is the poll excluding those like me who have more than a three-fund portf...
by gkaplan
Fri Jul 18, 2014 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] % of 3 funds in your financial asset portfolio?
Replies: 31
Views: 1675

Re: What Book Are You Currently Reading? Part V

I have just begun Rise: a Novel of Contemporary Israel by Yosef Gotlieb. An internationally known photo essayist returns to Israel after having lived and worked since 1979 in New England. She seeks to reconcile with her estranged husband, an opposition leader, and their son, an officer in an elite u...
by gkaplan
Fri Jul 18, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3111
Views: 1006655

Re: Will you change your AA based on market performance?

Maybe I don't understand the question, but I don't consider rebalancing changing my asset allocation.
by gkaplan
Sun Jul 13, 2014 9:27 pm
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4139

Re: True or False? Your risk tolerance only increases with t

My risk tolerance is what it is. It is not, and never has been, age-based.
by gkaplan
Fri Jul 11, 2014 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: True or False? Your risk tolerance only increases with time
Replies: 30
Views: 2338

Re: Changes to Vanguard Balance and Personal Performance tab

Today's my birthday. I don't believe in living in the past.
by gkaplan
Thu Jul 10, 2014 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: Changes to Vanguard Balance and Personal Performance tabs
Replies: 18
Views: 2097

Re: Which are the best Chinese ETF's?

I guess that my take is as follows: If one wants to invest in single country emerging markets ETFs, then one should be competent enough to figure out which ones are the best for them without having to ask. If one has to ask, then that suggests to me that one is incompetent and should not be using s...
by gkaplan
Thu Jul 10, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which are the best Chinese ETF's?
Replies: 13
Views: 553

Re: Please Try Out Test Posts Here

Perhaps, he wanted to post to this thread:

viewtopic.php?f=1&t=141741&view=unread#unread
by gkaplan
Wed Jul 09, 2014 11:01 pm
 
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 199
Views: 111701

Re: Do you deviate from the owner's manual?

I donated my 2008 Honda Fit this past April 30th, so I answered other. When I did have a car, however, I tried to follow the owner's manual.
by gkaplan
Tue Jul 08, 2014 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Do you deviate from the owner's manual?
Replies: 35
Views: 3153

Re: What Book Are You Currently Reading? Part V

Valuethinker wrote:....Tom Bower is a real muckraker....



VT, that's meant as a compliment, right, not as a pejorative?
by gkaplan
Tue Jul 08, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3111
Views: 1006655

Re: How are you doing through the first half of 2014?

See my post in the most recent thread of Madsinger,
by gkaplan
Sun Jul 06, 2014 11:04 pm
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9323

Re: What Book Are You Currently Reading? Part V

I have just started The Pledge Betrayed: America and Britain and the Denazification of Post-War Germany by Tom Bower. Bower, a British investigative journalist, documents the failure of the British and American governments to formulate a coherent and effective war crimes policy and how many of the p...
by gkaplan
Sat Jul 05, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3111
Views: 1006655

Re: POLL: What is your weighted average duration in FI?

What about the TSP G fund? The TSP fact sheet for the fund makes no mention of duration.
by gkaplan
Thu Jul 03, 2014 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: What is your weighted average duration in FI?
Replies: 16
Views: 1010

Re: madsinger monthly report (June 2014)

As of June 30, 2014, my year-to-date return is 5.14%. My annualized quarterly, one-year, three-year, five-year, and ten-year rates of return are 14.96%, 14.68%, 7.05%, 11.73%, and 7.48%, respectively. My best performing fund year-to-date has been the Vanguard FTSE All-World ex-US Small-Cap Index Fun...
by gkaplan
Tue Jul 01, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (June 2014)
Replies: 6
Views: 1134

Re: POLL: Mortgage as a negative bond

I treat my mortgage as a mortgage.
by gkaplan
Mon Jun 30, 2014 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Mortgage as a negative bond
Replies: 89
Views: 2913

Re: BOGLEHEAD CONTEST: Mid-Year Report

I'm in 466th place, but I'm closing fast.
by gkaplan
Mon Jun 30, 2014 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST: Mid-Year Report
Replies: 22
Views: 1849

Re: Improving the TSP [for current participants]

According to a memorandum from the FRTIB's Executive Director, Greg Long, addressing the proposed mutual fund window option and appended to the minutes of the Board's May 2014 meeting: "From TSP distribution data, we know that 45% of participants that separated from service in 2012 removed all...
by gkaplan
Thu Jun 26, 2014 10:48 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 29
Views: 3216

Re: What Book Are You Currently Reading? Part V

Several people here have praised the Harry Bosch series by Michael Connelly. Does one lose anything by reading them out of sequence? My library currently has only volume 3, and I have never read anything by him. Request the book through interlibrary loan. I have read all the books in Michael Connel...
by gkaplan
Thu Jun 26, 2014 10:25 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3111
Views: 1006655

Re: Vanguard Intl. Small - ETF vs Fund

VFSVX - 0.4% ER, 0.25% front and back load VSS - 0.2% ER I think this fact is well known. These are share classes of the same fund. Can someone help me understand why there is such a huge difference between the index fund version and etf version of this fund? I get a couple basis points... But this...
by gkaplan
Thu Jun 26, 2014 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Intl. Small - ETF vs Fund
Replies: 9
Views: 666

Re: Does Vanguard offer money wire option toward a title com

Surprised no one noted that setting up Voice Verification eliminates the need for MSG. We wired $40K to someone for my wife's latest horse directly from our MM at Vanguard with no need for an MSG and saved the $15 my CU would have charged for an outgoing wire. +1. If you go through the "My voi...
by gkaplan
Thu Jun 26, 2014 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard offer money wire option toward a title company
Replies: 17
Views: 910

Re: What Book Are You Currently Reading? Part V

I just started The Kid: the Immortal Life of Ted Williams by Ben Bradlee, Jr. At eight hundred some pages, it's two hundred pages longer than the King Edward VII biography I just finished.
by gkaplan
Sat Jun 21, 2014 5:45 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3111
Views: 1006655

Re: What Book Are You Currently Reading? Part V

I am reading The Heir Apparent: A Life of Edward VII, the Playboy Prince , by Jane Ridley. Normally, this subject matter wouldn't interest me; however, Publishers Weekly gave it a starred review, and Library Journal noted that London critics had praised the book, so I thought I would give it a try....
by gkaplan
Fri Jun 20, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3111
Views: 1006655

"Having the wealth transfer conversation"

If you haven't discussed wealth transfer with your loved ones, you're in good company. Kristin Barry of Vanguard Financial Advisor Services shares details about how many of us haven't had these conversations, explains the demographics that make the topic so important, and offers suggestions about h...
by gkaplan
Fri Jun 20, 2014 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Having the wealth transfer conversation"
Replies: 21
Views: 2984

Re: Personal Life subforum?

Just say no.
by gkaplan
Thu Jun 19, 2014 1:13 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4688

"Homing in" on mortgage investing

From the housing boom in the mid-2000s through the bust in late 2008 and the slow recovery now underway, mortgage issues and mortgage-backed securities have made a major impact on the economy. Vanguard GNMA Fund specializes in mortgage-backed securities, investing primarily in those issued by the G...
by gkaplan
Wed Jun 18, 2014 8:31 pm
 
Forum: Investing - Theory, News & General
Topic: "Homing in" on mortgage investing
Replies: 0
Views: 190

Re: Convince me to visit Italy

rec7 wrote:
siamond wrote:Need I say more? 8-)

Image


Is she the lady on CNBC?


Please tell me you were joking.
by gkaplan
Sun Jun 15, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 5357

Re: Great long-term reliability data for used cars

I thought this was what Consumer Reports has been doing for years.
by gkaplan
Sun Jun 15, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Great long-term reliability data for used cars
Replies: 3
Views: 566

Re: Why is Tilting and Slice&Dice so popular in this forum?

placeholder wrote:
stemikger wrote:I guess they don't agree with Jack when he says fall back on the majesty of simplicity and for some reason think they need to make this wonderful invention of indexing the total stock and total bond market hard.

Why do you think that a slice and dice portfolio is "hard"?


Yes, why?
by gkaplan
Thu Jun 12, 2014 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: Why is Tilting and Slice&Dice so popular in this forum?
Replies: 110
Views: 6173

Re: Master Thread for Portland, Oregon

datageek wrote:Oh bummer, I missed today's meeting. I wasn't even aware of the existence of the portland meetings, but would love to be notified of the next one.
Any thoughts on using meetup.com or Facebook events?


Today's meeting actually is tomorrow.
by gkaplan
Mon Jun 09, 2014 11:22 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 76
Views: 16415

Re: Am I A Moron

" it's also OK to have all of your investment accounts, IRAs and Taxable, with just one mutual fund company " That I disagree with. Very strongly. I would never, ever put all eggs in one basket no matter how sterling the reputation of that basket. I find this comment ironic, given your us...
by gkaplan
Fri Jun 06, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I A Moron [savings account as an asset class]
Replies: 47
Views: 2786

Re: What Book Are You Currently Reading? Part V

I am reading The Heir Apparent: A Life of Edward VII, the Playboy Prince , by Jane Ridley. Normally, this subject matter wouldn't interest me; however, Publishers Weekly gave it a starred review, and Library Journal noted that London critics had praised the book, so I thought I would give it a try. ...
by gkaplan
Thu Jun 05, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3111
Views: 1006655

401(k) balances jump, but there's room for improvement."

.... A few months ago, the average balance in workplace retirement plans administered at Vanguard topped six figures, surpassing $100,000 for the first time—a dramatic recovery from the end of 2008, when the average balance stood at $56,030. Many investors, however, are still far off track when it ...
by gkaplan
Mon Jun 02, 2014 8:07 pm
 
Forum: Investing - Theory, News & General
Topic: 401(k) balances jump, but there's room for improvement."
Replies: 3
Views: 506

Re: what is your average Morningstar rating

I have no idea. I don't really care. I assume that since, with the exception of my TIPS fund, all my fund holdings are index funds, my rating is 3.0.
by gkaplan
Mon Jun 02, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: what is your average Morningstar rating
Replies: 11
Views: 781

Re: John Bogle's son John

I think people in glass houses shouldn't throw stones.
by gkaplan
Sun Jun 01, 2014 6:35 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's son John [Bogle Investment Management]
Replies: 22
Views: 3499
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