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Re: High Yield Bonds as an Annuity?

On another note, one might observe that if one had purchased the Vanguard high yield bond fund in 1980, the price would have been $9.84 and the dividend $.09/mo. Now the price is $6.12 and the dividend is $.029. Using an annualized inflation rate of 3.2% this is a loss of principal in real dollars ...
by mptfan
Wed Apr 16, 2014 10:21 am
 
Forum: Investing - Theory, News & General
Topic: High Yield Bonds as an Annuity?
Replies: 23
Views: 1637

Re: When you reach your number and keep working

VictoriaF wrote:Specifically, I know many cases in which people "enjoy" work, because they do not have the energy or imagination to enjoy something else.

It is possible for someone to have the energy or imagination to enjoy something else, but they still enjoy what they do for a living.
by mptfan
Wed May 01, 2013 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you reach your number and keep working
Replies: 71
Views: 6968

Re: Using Cell Phone in Bahamas

Are you saying that you were able to insert another carrier's SIM in your phone and have it work in the Bahamas? That is the whole point of unlocking. No, I am not saying that. I am saying that my phone works on the local network (btc, formerly known as batelco) without any modifications at all, as...
by mptfan
Wed May 01, 2013 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Using Cell Phone in Bahamas
Replies: 7
Views: 1089

Re: Using Cell Phone in Bahamas

To be able to use another cell carrier in the Bahamas and if you want to use your current phone, then you need to call up AT&T and ask them to unlock your phone. This is simply not true. I have AT&T, and I've been to the Bahamas, and my phone works there, and I never called AT&T to unlo...
by mptfan
Wed May 01, 2013 10:51 am
 
Forum: Personal Consumer Issues
Topic: Using Cell Phone in Bahamas
Replies: 7
Views: 1089

Re: Frontline--The Retirement Gamble

Don46 wrote: Why not reform this system and protect investors/workers along with educating them?

Because the financial industry makes billions of dollars off of the current system.
by mptfan
Mon Apr 29, 2013 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 318
Views: 33138

Re: What are your thoughts on Dave Ramsey's Total Money Make

I agree with what has already been said... Dave Ramsey is excellent at getting you out of debt and controlling your spending, and for that purpose, his course is well worth it. However, for investing advice, he falls short, and you should get the Bogleheads Guide to Investing, and the Guide to Retir...
by mptfan
Mon Apr 22, 2013 2:00 pm
 
Forum: Personal Consumer Issues
Topic: What are your thoughts on Dave Ramsey's Total Money Makeover
Replies: 33
Views: 3692

Re: Jack Bogle: We need to fix the bond index

If they called it the Aggregate Investment Grade Index, would that make you happier? I mean, it's in the summary, so, it shouldn't be taking anyone by surprise unless you are throwing darts at mutual fund pages. Eric That's a ridiculous argument. So if Vanguard had a fund that was called "Tota...
by mptfan
Fri Apr 19, 2013 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: We need to fix the bond index
Replies: 48
Views: 6585

Re: Question about rates of return with and w/o bonds

I seem to recall some analysis that showed one would get better returns with about 20-30% bonds than with a 100% stock portfolio. I think the analysis shows that having 20% bonds gives you a better *risk adjusted* return than having 100% stocks. The expected return for 100% stocks is higher, but yo...
by mptfan
Thu Apr 18, 2013 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about rates of return with and w/o bonds
Replies: 61
Views: 2326

Re: Money & Relationships

I have no children. What am I supposed to do with my inheritance? Wait until my husband kicks it and them have a ROCKING 88th birthday? I agree, if you have no children, then it is sort of ridiculous to try and separate money from your spouse simply because it was inherited. I think after you get m...
by mptfan
Thu Apr 18, 2013 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money & Relationships
Replies: 69
Views: 6553

Re: Money & Relationships

But in a case like livesoft (and my own) where it has already been decided that everything is pooled together, what sense does it make to keep that one thing separate? What am I going to do with it, go on a cruise and not bring my husband along? Buy a fancy car that he can't drive? A vacation home ...
by mptfan
Thu Apr 18, 2013 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Money & Relationships
Replies: 69
Views: 6553

Re: Question about rates of return with and w/o bonds

I don't think there is a clear answer to your question. It requires the famed crystal ball. I disagree, the poster asked if he or she can "expect" greater returns from 100% stocks, than some allocation including bonds. It does not require a crystal ball to answer that question, the answer...
by mptfan
Wed Apr 17, 2013 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about rates of return with and w/o bonds
Replies: 61
Views: 2326

Re: What are your top companies for customer service?

American Express
Amazon
Publix
Marriott
Ruth's Chris (I do not go there frequently, but when I do, the service is excellent)
by mptfan
Wed Apr 17, 2013 4:02 pm
 
Forum: Personal Consumer Issues
Topic: What are your top companies for customer service?
Replies: 76
Views: 3707

Re: Question about rates of return with and w/o bonds

InvestorNewb wrote:If a person has the audacity to be invested in 100% stocks until ~10-15 years before retirement, can they expect a better annualized return than someone who holds their age or another method in bonds?

Yes, they can expect a better return. They may not get it, but they can expect it.
by mptfan
Wed Apr 17, 2013 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about rates of return with and w/o bonds
Replies: 61
Views: 2326

Re: Can you help me with my irrational financial fears?

Bad news sells better than good news. Think about it.
by mptfan
Tue Apr 16, 2013 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you help me with my irrational financial fears?
Replies: 28
Views: 2157

Re: Poll: How many $100 dinners out per year?

SPG8 wrote:Another ridiculous thread.

If you think it's ridiculous, then don't respond.
by mptfan
Tue Apr 16, 2013 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Poll: How many $100 dinners out per year?
Replies: 152
Views: 9420

Re: most common retirement planning mistakes

Studies have shown that most people either save nothing for retirement, or save very little, so I think the most common retirement planning mistake is to fail to save enough.
by mptfan
Fri Apr 12, 2013 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: most common retirement planning mistakes
Replies: 27
Views: 3239

Re: Driving the Bus off the Cliff?

It seems like "actively" managed accounts get more oversight, so they may have a better chance to avoid disaster. This is a triumph of marketing for active managers. In fact, there is no evidence that active management outperforms during bear markets> It sure sounds good, though. Rick Fer...
by mptfan
Tue Apr 09, 2013 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Driving the Bus off the Cliff?
Replies: 34
Views: 2673

Re: Bogleheads' accomplishments

I'm turning 30 in August. Haven't written a post here in a couple of years. I made a few mistakes thus far notably buying a house in 2006, trying to pay it off versus dumping it and most recently losing 30k when I got into trading stocks couple of years ago. Fortunately I've had steady decent payin...
by mptfan
Mon Apr 08, 2013 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads' accomplishments
Replies: 72
Views: 5869

Being frugal is cool again

Out of the epochal economic collapse has emerged investors who have embraced frugality and adopted more positive financial behaviors, according to a survey released Wednesday. Despite the hardship and significant personal financial losses investors suffered, the crisis compelled them to adopt positi...
by mptfan
Wed Apr 03, 2013 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being frugal is cool again
Replies: 3
Views: 1131

Re: Boglehead like real estate forum

I think being a boglehead and managing real estate don't go well together because one of the principles of boglehead investing is keeping your investments as simple, low maintenance and low cost as possible, and managing real estate is neither simple, low maintenance, or low cost.
by mptfan
Wed Apr 03, 2013 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boglehead like real estate forum
Replies: 22
Views: 2577

Re: Yet another Ameriprise customer...

You are not being paranoid, it is time to move on. You will eventually learn that arguing with the Ameriprise guy is futile because it is difficult to convince a man of something if his livelihood depends on not being convinced. Move on and don't look back.
by mptfan
Fri Mar 29, 2013 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yet another Ameriprise customer... [Wrap acc't, performance]
Replies: 27
Views: 2889

Re: What % of gross income do you spend on rent/mortgage?

PITI = 13%. (15 year mortgage)
by mptfan
Tue Mar 12, 2013 4:37 pm
 
Forum: Personal Consumer Issues
Topic: What % of gross income do you spend on rent/mortgage?
Replies: 132
Views: 6678

Re: "Strategic divorce" for tax-purposes for 2 physicians

I wouldn't do it. Maybe I'm old fashioned, but marriage means more to me than that. Some things in life are just more important than dollar signs on an account statement.
by mptfan
Sun Mar 10, 2013 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Strategic divorce" for tax-purposes for 2 physicians
Replies: 47
Views: 4195

Re: Question about getting around gift tax exclusion

I'm not sure I understand your question. You can give as much as you want to anyone you want up to the annual exemption amount without having to fill out any forms, so yes, it would pass muster.
by mptfan
Sun Mar 10, 2013 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about getting around gift tax exclusion
Replies: 12
Views: 900

Re: "Strategic divorce" for tax-purposes for 2 physicians

Do not let the tax tail wag the common sense dog.
by mptfan
Sun Mar 10, 2013 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Strategic divorce" for tax-purposes for 2 physicians
Replies: 47
Views: 4195

Re: Ditch the mutual funds?

thebigad wrote:Just did it.

Follow up question: I have some individual stocks I bought about 10 years ago that are in a brokerage account. Some are in positive territory, others are not. They don't incur any expenses, other than posting dividends. Would you get rid of those, too?

Yes.
by mptfan
Fri Mar 08, 2013 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ditch the mutual funds?
Replies: 13
Views: 1442

Re: What's your number? Why?

I make way more than the "average" Dr. and will be around $1.5M at age 40. However, I have 3 kids who I would spend every penny on and a wife who has been at home for the ast 8 years. Take those things awayand I'd be well over $3M by 40. The biggest wealth destroyer for someone in your po...
by mptfan
Fri Mar 08, 2013 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: What's your number? Why?
Replies: 258
Views: 21191

Re: Poll - will you buy Vanguard's new international bond fu

According to Vanguard, who knows more about investing than any of us, it makes sense to consider international bonds as part of a broadly diversified portfolio, especially if you have a longer time horizon. The lack of correlation with U.S. markets gives international bonds the potential to help re...
by mptfan
Thu Mar 07, 2013 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Poll - will you buy Vanguard's new international bond funds?
Replies: 33
Views: 3060

Re: No Mortgage - How To Save Taxes

The easiest way to reduce your tax bill is to earn less money. ;)
by mptfan
Wed Mar 06, 2013 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: No Mortgage - How To Save Taxes
Replies: 23
Views: 2975

Re: "Debunking the Myth of the 8% Return"

You can say 8% all you want, but the fact is that most financial professionals estimate about 5% and most financial economists think that 3-3.5% is more accurate. So either way you go, you are way over estimating. Estimates are just that... estimates. Nobody knows whether I am over estimating or un...
by mptfan
Wed Mar 06, 2013 8:00 pm
 
Forum: Investing - Theory, News & General
Topic: "Debunking the Myth of the 8% Return"
Replies: 61
Views: 4577

Re: Vanguard High Yield Corporate Fund

The conventional wisdom says that HY corporate bonds contain an "equity-like" component. You don't want an equity-like risk in your "safe" bond allocation. Based upon my interpretation of prevailing Boglehead philosophy, an appropriate asset allocation distinguishes stocks from ...
by mptfan
Wed Mar 06, 2013 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard High Yield Corporate Fund
Replies: 11
Views: 1577

Re: "Debunking the Myth of the 8% Return"

The total stock market index fund has an average annual return of 8.73% since 1992, the S&P 500 index fund has an average annual return of 10.65% since 1976, and the Windsor fund has an average annual return of 11.29% since 1958. All of these returns include the stock market crash of 2000, and t...
by mptfan
Wed Mar 06, 2013 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: "Debunking the Myth of the 8% Return"
Replies: 61
Views: 4577

Re: Poll - will you buy Vanguard's new international bond fu

According to Vanguard, who knows more about investing than any of us, it makes sense to consider international bonds as part of a broadly diversified portfolio, especially if you have a longer time horizon. The lack of correlation with U.S. markets gives international bonds the potential to help red...
by mptfan
Tue Mar 05, 2013 10:27 pm
 
Forum: Investing - Theory, News & General
Topic: Poll - will you buy Vanguard's new international bond funds?
Replies: 33
Views: 3060

Re: Need Advise.....Better Late Than Never

Shilo777 wrote:“Vanguard ONLY sells their funds through Vanguard. You have to deal direct with them and their 800#. You cannot buy them through xxxxxx or any other firm, except Vanguard.

This is not true, but even if it were true, so what?
by mptfan
Tue Mar 05, 2013 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice.....Better Late Than Never
Replies: 31
Views: 3203

Re: Need Advice.....Better Late Than Never

You should finish reading the Boglehead's Guide to Investing, and then come back with any questions when you are done.
by mptfan
Tue Mar 05, 2013 3:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice.....Better Late Than Never
Replies: 31
Views: 3203

Re: Need Advise.....Better Late Than Never

Do not get into a debate with your financial advisor, because, as Upton Sinclair said.... "it is difficult to get a man to understand something, when his salary depends on him not understanding it."
by mptfan
Tue Mar 05, 2013 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice.....Better Late Than Never
Replies: 31
Views: 3203

Re: Need Advise.....Better Late Than Never

Your missive has been educational for me. I've thought that that reason that advisors like to send LONG, complicated looking monthly reports is to keep one "fully apprised". I see now it is to baffle with BS as much as possible to keep one thinking there is no way to do it oneself. It's a...
by mptfan
Tue Mar 05, 2013 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice.....Better Late Than Never
Replies: 31
Views: 3203

Re: The year before and after the start of retirement

The safest thing is to work full-time until you die, then you'll never have to worry about your portfolio running out of money. This happens more often than the folks on this board are willing to admit. The people who are retired are able to post about their experience withdrawing money from their ...
by mptfan
Tue Mar 05, 2013 11:00 am
 
Forum: Investing - Theory, News & General
Topic: The year before and after the start of retirement
Replies: 26
Views: 1732

Re: Need Advise.....Better Late Than Never

Welcome to the forum. You came to the right place for the best, most unbiased investment advice anywhere. (Ok, I know I'm biased, but it's true) First, congratulations on having over one million dollars saved up, and having no debt, that is a great accomplishment, and you should be proud. But, you h...
by mptfan
Tue Mar 05, 2013 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice.....Better Late Than Never
Replies: 31
Views: 3203

Re: Would you seriously date someone with $300K in debt?

I think if you have to post a question on an internet forum about whether you should settle down with someone and start a family with someone... then the question answers itself.
by mptfan
Thu Feb 28, 2013 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Would you seriously date someone with $300K in debt?
Replies: 85
Views: 3271

Re: Would you seriously date someone with $300K in debt?

Despite the difficulty in understanding what the heck she was thinking, at least in terms of looking at her debt-income ratio, she is very low-maintenance and thrifty. Umm... you are in denial. If she makes 65k, and her debt is over 300k (she probably has more debt), then her debt-income ratio is l...
by mptfan
Thu Feb 28, 2013 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Would you seriously date someone with $300K in debt?
Replies: 85
Views: 3271

Re: Vanguard announces emerging markets bond index fund (aga

Corruption of various sorts here also; the sub-prime mortgage crisis and politicians paid off to change regulations to enable the funny-business to happen. But at least we have more insight into US policies and laws. In fact, I'm so confident of this that I'm willing to bet 25 cents that the busine...
by mptfan
Thu Feb 28, 2013 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard announces emerging markets bond index fund (again)
Replies: 27
Views: 2254

Re: Would you seriously date someone with $300K in debt?

SteveNet wrote:The intentions of the OP aside, I was answering the question posed in the Topic title.

That is not a good practice.
by mptfan
Thu Feb 28, 2013 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Would you seriously date someone with $300K in debt?
Replies: 85
Views: 3271

Re: Vanguard announces emerging markets bond index fund (aga

In the US, the rules state that bond-holders have priority over stock-holders when a company goes bust. I wouldn't presume to know what actually happens in a corrupt 3rd-world country when something similar happens. My guess is that corrupt politicians get paid off first... Wow. So every emerging m...
by mptfan
Thu Feb 28, 2013 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard announces emerging markets bond index fund (again)
Replies: 27
Views: 2254

Re: Vanguard announces emerging markets bond index fund (aga

For those of you who would not invest in an emerging market bond fund because you think it's too risky... do you have any emerging market stocks as part of your asset allocation? Do you realize that emerging market bonds are less risky than emerging market stocks? Is this really true? Yes, it reall...
by mptfan
Thu Feb 28, 2013 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard announces emerging markets bond index fund (again)
Replies: 27
Views: 2254

Re: Would you seriously date someone with $300K in debt?

SteveNet wrote:But the questions was about Dating, not marriage, so as far as the questions goes it would not stop me from Dating this person.

No, the question was about being ready to "settle down and start a family." I would not be willing to do that with someone who was not a candidate for marriage.
by mptfan
Thu Feb 28, 2013 11:59 am
 
Forum: Personal Consumer Issues
Topic: Would you seriously date someone with $300K in debt?
Replies: 85
Views: 3271

Re: Would you seriously date someone with $300K in debt?

Don't confuse dating and relationships with taking over someone's debt. You're not cosigning for ANY of it... Yes, but you could say the same thing if she had lots of credit card debt, but I'm sure you wouldn't. Actually, that's a good but different point. It costs $$$ to get a professional degree,...
by mptfan
Thu Feb 28, 2013 11:56 am
 
Forum: Personal Consumer Issues
Topic: Would you seriously date someone with $300K in debt?
Replies: 85
Views: 3271

Re: Vanguard announces emerging markets bond index fund (aga

For those of you who would not invest in an emerging market bond fund because you think it's too risky... do you have any emerging market stocks as part of your asset allocation? Do you realize that emerging market bonds are less risky than emerging market stocks?
by mptfan
Thu Feb 28, 2013 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard announces emerging markets bond index fund (again)
Replies: 27
Views: 2254

Re: Would you seriously date someone with $300K in debt?

The Wizard wrote:Don't confuse dating and relationships with taking over someone's debt.
You're not cosigning for ANY of it...

Yes, but you could say the same thing if she had lots of credit card debt, but I'm sure you wouldn't.
by mptfan
Thu Feb 28, 2013 11:46 am
 
Forum: Personal Consumer Issues
Topic: Would you seriously date someone with $300K in debt?
Replies: 85
Views: 3271
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