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Re: Wash sale

My first post. I would like to undertake some tax loss harvest. Will sell VG Total International Stock and buy VG International Growth and sell Oakmark International and buy VG International Growth. Will either trade result in a wash sale? Thanks for your help. Welcome to the forum oasis. The trade...
by petrico
Sat Nov 22, 2014 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wash sale
Replies: 2
Views: 188

Re: Jack Bogle says VTBMX + VICSX?

I saw an interview on the Morningstar website (see link below) where Jack Bogle was saying VTBMX should be augmented with a corporate bond fund to better represent the US bond market (VICSX). He said a 50/50 split across the two would be appropriate. Anyone else see this video? Any thoughts? Here i...
by petrico
Mon Nov 17, 2014 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Jack Bogle says VTBMX + VICSX?
Replies: 15
Views: 2235

Re: car sensor showing TPMS sign

My car showed TPMS sign , MIDAS just says replace the tire as valve is stuck and air cannot be filled. Firestone says replace the sensor.. Any ideas what should be done? Thanks! Replacing the tire due to a bad valve sounds very wrong, as the valve can be replaced without compromising the tire. My u...
by petrico
Sun Nov 16, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: car sensor showing TPMS sign
Replies: 26
Views: 1662

Re: Harry's razors

gkaplan wrote:I have been using a Mach 3 razor for ages. I change blades once a year.

Wow -- that's good. :beer

--Peter
by petrico
Sun Nov 16, 2014 11:11 am
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 4899

Re: Harry's razors

Thanks for the reference to "Kiss My Face" shaving cream. I thought I was the only guy using it. Another steady Mach3 user here, also. A blade seems to last ~2-3 months, so cost isn't a huge issue. I like the convenience of being able to shave very quickly without getting nicked. --Peter ...
by petrico
Sun Nov 16, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 4899

Re: Why own International at all?

^^ Great comments, as usual, dbr. The statement is often made that one should not confuse outcome with strategy, meaning that what actually happens in the short run does not establish that a strategy was/is good or bad. My only comment is to reinforce the last point. Unless the AA shift was intended...
by petrico
Sun Nov 16, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Why own International at all?
Replies: 45
Views: 3971

Re: Sell or repair car decision

Tough call. For me, it would depend on the overall condition of the rest of the car. Is it getting worn out in other respects? Suspension issues? Drivetrain wear? Body integrity? Corrosion? If it's holding up fine elsewhere, I'd be inclined to have the head gasket replaced and keep running it. On th...
by petrico
Sat Nov 15, 2014 11:28 pm
 
Forum: Personal Consumer Issues
Topic: Sell or repair car decision
Replies: 11
Views: 1215

Re: Value Averaging: My experience after 9 years

Does anyone know if the 2006 and 1993 editions have any differences other than forwards and prefaces? There are minor updates to incorporate the additional years of data through 2005, which span the dot-com crash years. Thanks for sharing, oneleaf. I commend you for staying the path -- as you must....
by petrico
Sat Nov 15, 2014 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 24
Views: 3744

Re: Harry's razors

A closely related topic is the use of pre-shave oils. I started using them prior to applying the lather. Makes for a much more comfortable shave. I buy the Badger brand from Whole Foods. I also stopped using aerosol foams. They felt cold on my face. I use shaving soap bars or shaving cream from a p...
by petrico
Sat Nov 15, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 4899

Re: Expenses are ??

"Expenses are the best predictor of future performance" In the past, I picked funds by past performance and did poorly investing. I'm not quite understanding the quote above. It's off the Boglehead videos. Can anyone help explain it, please? Q Q, Morningstar did a fine job of answering th...
by petrico
Sat Nov 15, 2014 7:35 am
 
Forum: Investing - Theory, News & General
Topic: Expenses are ??
Replies: 11
Views: 1580

Re: ROTH IRA Question

How i can figure out income on the contributions. (I have money from prior years invested in the same fund) Hmmm... it seems a little tedious, but not too bad. (I've never done it.) This explanation from Investopedia seems fairly complete: How To Correct Ineligible (Excess) IRA Contributions --Peter
by petrico
Tue Nov 11, 2014 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: ROTH IRA Question
Replies: 7
Views: 797

Re: ROTH IRA Question

This page from Fairmark.com might answer your question: Excess Contributions to Roth IRAs.

Also, Roth eligibility phases out based on you modified adjusted gross income: Roth IRA Phase-Out Rules

Hope that helps.

--Peter
by petrico
Tue Nov 11, 2014 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: ROTH IRA Question
Replies: 7
Views: 797

Re: Calculating return

I think the main reason people want to compute their returns is precisely because they want to know what they would have gotten if instead they had everything in a TR or Life Strategy fund, or if they had stayed the course instead of following the hot tips on CNBC. (Or vice-versa.) And to answer su...
by petrico
Sun Oct 26, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Calculating return
Replies: 35
Views: 3026

Re: "Vanguard converting mutual fund accounts to brokerage?

Does anyone know if there is a minimum balance required for the sweep account? My prior understanding (which may have been incorrect?) is that you had to maintain a $3,000 Money Market balance to have a brokerage account. You need a sweep account, but I've held less that 100 bucks in the Roth IRA m...
by petrico
Sun Oct 26, 2014 9:17 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 105
Views: 12180

Re: Barron's article: Don't Panic! (retirement news & theory

About 86% of Americans in the top quartile of pre-retirement income will have enough money to cover average daily expenses in retirement, including housing, food and transportation, as well as long-term care, according to EBRI. Clearly, the article was written for this group. What about the other t...
by petrico
Mon Sep 22, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's article: Don't Panic! (retirement news & theory)
Replies: 28
Views: 3835

Re: Tax loss harvesting

livesoft wrote:It turns out that TLH is easier with Vanguard mutual funds than with ETFs.

Thank you, finally, for that concession. (Practically everything is easier with mutual funds. 8-) )

--Peter
by petrico
Thu Aug 28, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 33
Views: 1959

Re: invest only in vtsmx and total bond market index.

Does John Bogle still recommend investing in the total stock market index fund and the total bond market index fund only without adding any international securities? Absolutely not! (Anyone who thinks Jack's TSM/TBM recommendation hasn't changed hasn't been paying attention.) Jack now considers the...
by petrico
Tue Aug 26, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: invest only in vtsmx and total bond market index.
Replies: 8
Views: 1537

Re: Why do we tip restaurant servers?

I used to hate tipping. Not because I hated parting with the money, just because it felt awkward, and even somehow a little demeaning to throw a few dollars (figuratively) at someone. Then I dated a waitress, and my perspective changed completely. They work their butts off, they depend on the income...
by petrico
Fri Aug 22, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2362

Re: WSJ/Zweig- The Decline and Fall of Fund Managers

"...owning index funds is neither easy nor quick: You must give up all hope of ever beating the market, resign yourself to a stupefyingly boring portfolio and wait years for the advantages of the cost savings to pile up." Beautiful line! --Peter That's why I tilt to SCV. I get that extra ...
by petrico
Fri Aug 22, 2014 7:18 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ/Zweig- The Decline and Fall of Fund Managers
Replies: 21
Views: 2631

Re: WSJ/Zweig- The Decline and Fall of Fund Managers

Jason Zweig wrote:"...owning index funds is neither easy nor quick: You must give up all hope of ever beating the market, resign yourself to a stupefyingly boring portfolio and wait years for the advantages of the cost savings to pile up."


Beautiful line!

--Peter
by petrico
Fri Aug 22, 2014 6:50 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ/Zweig- The Decline and Fall of Fund Managers
Replies: 21
Views: 2631

Re: To be truly rich, take stock of your life before investi

Food for thought. I believe this is a realistic result to expect by following boglehead principles, not to get rich but to live comfortably. So why bother to invest? Well, what investing really does is it makes your life a bit more comfortable. You’ll be able to go on a few more vacations, eat out ...
by petrico
Wed Aug 20, 2014 8:14 pm
 
Forum: Investing - Theory, News & General
Topic: To be truly rich, take stock of your life before investing
Replies: 30
Views: 4665

Re: bond duration and interest rate risk

So to summarize, if interest rates stay same: long term wins by 0.8% . If interest rates spike, intermediate may or may not win. Looking at historical performance chart, this appears to be the case( long term fund is ahead most of the time, except when they both dip, it dips more). So if I know tha...
by petrico
Sun Jul 27, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: bond duration and interest rate risk
Replies: 33
Views: 3113

Re: bond duration and interest rate risk

So to summarize, if interest rates stay same: long term wins by 0.8% . If interest rates spike, intermediate may or may not win. Looking at historical performance chart, this appears to be the case( long term fund is ahead most of the time, except when they both dip, it dips more). So if I know tha...
by petrico
Sun Jul 27, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: bond duration and interest rate risk
Replies: 33
Views: 3113

Re: Adding Corporates to Total Bond Market Index

What happened to the "stay the course" motto? I do hope you see the irony in your query. (A few years ago, "stay the course" had not yet become "stay the course -- after switching to corporate bonds.") --Peter Peter, I don't see the irony because I have always favored ...
by petrico
Tue Jul 22, 2014 7:24 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7275

Re: Adding Corporates to Total Bond Market Index

Munir wrote:What happened to the "stay the course" motto?

I do hope you see the irony in your query.

(A few years ago, "stay the course" had not yet become "stay the course -- after switching to corporate bonds.")

--Peter
by petrico
Mon Jul 21, 2014 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7275

Re: Poll: Has your AA changed in the last 18 months

@sscritic -- thanks for the explanation. Those look like relatively minor adjustments around the edges? Just out of curiosity, do you think, on average, your returns were helped or hurt by your adjustments over the years?

--Peter
by petrico
Sun Jul 20, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3799

Re: Poll: Has your AA changed in the last 18 months

I picked the top option, but I don't know if you really meant it the way it applies to me. I'm on a predetermined slide towards a 20% "risk-free" asset allocation as I approach retirement. Strictly speaking, it's because I consider my ability to take risk to be lower the closer I get to r...
by petrico
Sun Jul 20, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3799

Re: Poll: Has your AA changed in the last 18 months

I voted no because I didn't have an AA then and I don't have one now. I am assuming by AA you mean some sort of target that I am to cling to slavishly and not the result of knowing how to add and divide, i.e., find various percentages of interest. Wow. You've said this recently, and I'm a bit surpr...
by petrico
Sun Jul 20, 2014 9:29 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3799

Re: Poll: Has your AA changed in the last 18 months

I picked the top option, but I don't know if you really meant it the way it applies to me. I'm on a predetermined slide towards a 20% "risk-free" asset allocation as I approach retirement. Strictly speaking, it's because I consider my ability to take risk to be lower the closer I get to re...
by petrico
Sun Jul 20, 2014 9:14 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3799

Re: Stable Value Fund vs Total Bond Market

I have an allocation to both of them (and to TIPS, also).

--Peter
by petrico
Sun Jul 20, 2014 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Stable Value Fund vs Total Bond Market
Replies: 27
Views: 2351

Re: 3.5% Yield for 457(k) Fixed Guaranteed

mur44 , I had planned on leaving a big chunk of my 457b plan balance behind in the CT stable value fund after retirement specifically to take advantage of the "guaranteed" interest rate of 3%. Then they lowered the "guaranteed" 3% rate below 3% to a new "guaranteed" ra...
by petrico
Mon Jun 30, 2014 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: 3.5% Yield for 457(k) Fixed Guaranteed
Replies: 17
Views: 1071

Re: 3.5% Yield for 457(k) Fixed Guaranteed

Current 457(k) Fixed is yielding 3.5% guaranteed. It is increasing difficult to find any thing close to it. It is tempting to consider leaving funds in the employer plan upon retirement. Is it OK to leave the 457(k) funds in the employer plan upon retirement? mur44 , I had planned on leaving a big ...
by petrico
Mon Jun 30, 2014 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: 3.5% Yield for 457(k) Fixed Guaranteed
Replies: 17
Views: 1071

Re: John Bogle's son John [Bogle Investment Management]

Did you ever wonder why Jack's son John has gone into active management. Index investing is not a theory but a mathematical fact. I wonder why being the son of the father of indexing he choose to go to the dark side. LOL. Not much in the way of an explanation, but some interesting information here ...
by petrico
Mon Jun 16, 2014 4:51 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's son John [Bogle Investment Management]
Replies: 22
Views: 3596

Re: "Is Bogle Befuddling?"

Thanks for the idea to look to the SEC. However, some of what you reported seems a little misleading. Here are the actual sector breakdowns reported in the "Sector Diversification" tables for the 2006 and 2013 SEC Forms N-CSR: Total Bond Market Index Fund Sector Diversification (% of port...
by petrico
Sat Jun 14, 2014 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7391

Re: "Is Bogle Befuddling?"

A list of changes in the Total Bond Index benchmark are here (in the box on the left): http://www.bogleheads.org/wiki/Barclays_US_Aggregate_Bond_Index Also, Vanguard changed benchmarks after 2009: **Barclays U.S. Aggregate Bond Index through December 31, 2009; Barclays U.S. Aggregate Float Adjusted...
by petrico
Tue Jun 10, 2014 7:55 pm
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7391

Re: "Is Bogle Befuddling?"

Take the bond side recommendations. It's not as if the Total Bond Market Index was appreciably different in 2007 than it is today. And it's not as if corporate bond funds didn't exist in 2007. Nonetheless, Jack argued relentlessly not only that the Total Bond Market Index was a fine bond fund to ow...
by petrico
Tue Jun 10, 2014 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7391

Re: "Is Bogle Befuddling?"

Take the bond side recommendations. It's not as if the Total Bond Market Index was appreciably different in 2007 than it is today. And it's not as if corporate bond funds didn't exist in 2007. Nonetheless, Jack argued relentlessly not only that the Total Bond Market Index was a fine bond fund to ow...
by petrico
Wed Jun 04, 2014 5:59 am
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7391

Re: Jack Bogle - International Bonds

@Munir, While I understand your point, and it seems reasonable, I would only add that there's a vary fine line between "evolving ideas" and behavioral mistakes. My guess -- and that's all it is -- is that more portfolio damage has been done in the interest of evolving ideas than has ever b...
by petrico
Tue May 27, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle - International Bonds
Replies: 57
Views: 3287

Re: "Is Bogle Befuddling?"

Followup from the advisor, Eric D. Nelson: http://servowealth.com/resources/articles/morningstar-gets-it-mostly-right Thank you for this. Eric Nelson beautifully articulates my perspective on some of Jack Bogle's more recent comments in the press: In truth, none of these inconsistencies are all tha...
by petrico
Tue May 27, 2014 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7391

Re: Jack Bogle - International Bonds

That wasn't the actual quote. You inserted the "(international)" term there. If you look at the actual interview, Jack Bogle might have been talking about emerging market bond funds , when he was talking about "exotic" bond funds. http://www.bogleheads.org/wiki/Bogleheads%C2%AE_...
by petrico
Tue May 27, 2014 7:10 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle - International Bonds
Replies: 57
Views: 3287

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

Those uncut strips are not hard to see in your photo. Take it back. I have a $300 husqvarna push mower with a Honda motor that runs great and starts on the first pull every time. And it doesn't leave any uncut strips like that one. Keep looking. Unless the dealer has a quick fix for it. I might jus...
by petrico
Sun May 04, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 10196

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

checkout : //www.hondapowerequipment.com/faq and look for the question "Does it matter which direction I mow?" Basically Honda recommends mowing in a rectangular patter from the outside in. Furthermore they recommend going in a counterclockwise rotation if mulching and clockwise for baggi...
by petrico
Sun May 04, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 10196

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

UPDATE: I bought the Honda HRR216PKA with a GCV160 OHC/OHV engine on Friday and mowed the lawn with it on Saturday. Yes, it did leave fuzzy, un-cut strips in some places -- but it's still got a lot going for it. In general, this is a very high quality mower. It really is a pleasure to operate. Then...
by petrico
Sun May 04, 2014 1:14 am
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 10196

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

Thanks Bengineer. What strikes me most about your mower deck is how clean it is! You definitely have different grass that I do. You're not in New England, I take it? After 20 minutes my mower was caked with mulch, with a big wad packed against the clip director. The picture in the following post was...
by petrico
Sun May 04, 2014 12:59 am
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 10196

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

...However, in reading other comments it seems that moisture is a factor, and that the problem could be caused by clippings clogging the underside of the deck to the point where it flattens the uncut grass. Was the lawn dry or damp? Was the test run long enough to accumulate a wad of mulch? Thanks ...
by petrico
Wed Apr 30, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 10196

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

Here is a link to the previous post about this topic: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=119775&newpost=1749952 I dug out my owners manual to confirm the model number-it is HRS216PDA Harmony II purchased in May, 2002. It is hard to believe I have been putting up with this ...
by petrico
Wed Apr 30, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 10196

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

I have the Honda Harmony model and this uncut strip occurs about 5 inches in from the left side of the mower. There is a large seam in the housing which collects wet or damp grass cuttings and exerts a downward force on the uncut grass before it reaches the cutting blades. The engine is OK in this ...
by petrico
Mon Apr 28, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 10196

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

Update: I put in the mulching plug & mowed a strip. All the grass was clipped off at the same height going forward & also backward for good measure. I note that the new ones have a "clip director" rather than a plug. I don't know how that might change the under-deck airflow dynami...
by petrico
Mon Apr 28, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 10196

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

I just bought a Honda mower about 3 weeks ago and have had no such problems......very satisfied so far! Here is the mower that I bought: http://www.homedepot.com/p/Honda-21-in-3-in-1-Variable-Speed-Self-Propelled-Gas-Mower-with-Auto-Choke-HRR216K9VKA/203709643 Thanks. That's the same mower as the o...
by petrico
Sun Apr 27, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 10196

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

I mostly bag my clippings & so haven't noticed it missing a strip. I'll try a test run with the mulching plug in tomorrow & report back. Thanks! That would be great. One of the comments in Consumer Reports said the the cut was velvety smooth in dense grass, but an un-cut strip is left in le...
by petrico
Sun Apr 27, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 10196
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