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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 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 32
Views: 1538

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 7:31 pm
 
Forum: Investing - Theory, News & General
Topic: invest only in vtsmx and total bond market index.
Replies: 8
Views: 1393

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 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2235

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 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ/Zweig- The Decline and Fall of Fund Managers
Replies: 21
Views: 2442

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 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ/Zweig- The Decline and Fall of Fund Managers
Replies: 21
Views: 2442

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 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: To be truly rich, take stock of your life before investing
Replies: 30
Views: 4528

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 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: bond duration and interest rate risk
Replies: 33
Views: 2903

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 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: bond duration and interest rate risk
Replies: 33
Views: 2903

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 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7037

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 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7037

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 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3758

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 11:58 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3758

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 10:29 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3758

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 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3758

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 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Stable Value Fund vs Total Bond Market
Replies: 27
Views: 2218

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 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: 3.5% Yield for 457(k) Fixed Guaranteed
Replies: 17
Views: 1055

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 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: 3.5% Yield for 457(k) Fixed Guaranteed
Replies: 17
Views: 1055

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 5:51 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's son John [Bogle Investment Management]
Replies: 22
Views: 3529

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 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7278

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 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7278

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 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7278

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 6:59 am
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7278

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 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle - International Bonds
Replies: 57
Views: 3241

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 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7278

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 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle - International Bonds
Replies: 57
Views: 3241

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 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9374

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 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9374

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 2:14 am
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9374

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 1:59 am
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9374

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 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9374

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 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9374

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 7:23 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9374

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 7:05 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9374

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 10:26 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9374

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 9:48 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9374

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

No uncut grass on my 15 year old Honda mower. Twin blades mulch well. Now getting the engine to start, that's a different matter. I wonder if the design has changed. One of the comments I linked to in the OP notes that a 24 year old Honda didn't have the cutting problem that the new one has, either...
by petrico
Sun Apr 27, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9374

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

UPDATE: I now have first-hand experience. See this post below: http://www.bogleheads.org/forum/viewtopic.php?p=2048161#p2048161 I am in the market for a new gas-powered push mower, and have all but settled on a Honda: the HRR216PKA . It seems to require the fewest compromises in features and qualit...
by petrico
Sun Apr 27, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9374

Re: Trouble with Financial Engines Account?

I just tried in again this morning, and my Financial Engines account is now working for me, too.

Thanks Vanguard!

:beer

--Peter
by petrico
Sun Apr 27, 2014 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Trouble with Financial Engines Account?
Replies: 18
Views: 3839

Re: Beware Vanguard DOES NOT update all your account values

I have Vanguard ETFs in Vanguard accounts, and only mutual funds plus a stable value fund in an "Outside investment" account. The values of the Vanguard ETFs (in Vanguard accounts) reported on the overview/home page always seem to lag one day behind the values in the "balances and hol...
by petrico
Sat Apr 19, 2014 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 56
Views: 5655

Re: POLL: why carry cash?

I usually pay with a card but when a tip is required, tip with cash. I think servers generally appreciate paper tips, at least I've had a few mention that. I always add the tip to my credit card bill and charge it. If you tip in cash, then this encourages them to cheat and not report their earnings...
by petrico
Sat Apr 19, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13752

Re: Tax Question: How to Depreciate Water Heater?

As you can see from all the different opinions expressed here, tax law is not really cut and dried, and is really poorly written. I Couldn't agree with you more on that last point Ralph! Thanks to everyone who responded, and a special thanks to HueyLD and sscritic for my new-found understanding of ...
by petrico
Sun Apr 13, 2014 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question: How to Depreciate Water Heater?
Replies: 16
Views: 1402

Re: Tax Question: How to Depreciate Water Heater?

Improvements. You must capitalize any expense you pay to improve your rental property. An expense is for an improvement if it results in a betterment to your property, restores your property , or adapts your property to a new or different use. ... The expenses you capitalize for improving your prop...
by petrico
Sat Apr 12, 2014 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question: How to Depreciate Water Heater?
Replies: 16
Views: 1402

Re: Tax Question: How to Depreciate Water Heater?

Table 1-1 shows examples of improvements that are not considered "repairs." The grouping is there for presentation purposes. Table 2-1 actually tells you which recovery period to use for what item. Don't be confused. Too late not to be confused! :) Using Table 2-1, there is no entry for &...
by petrico
Sat Apr 12, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question: How to Depreciate Water Heater?
Replies: 16
Views: 1402

Re: Tax Question: How to Depreciate Water Heater?

Peter, Take a look at page 8 again and it has a definition for "residential rental property." I understand your confusion, but that category is reserved for building or structure related items that cannot be separated from the building/structure and includes such items an pipes, furnaces,...
by petrico
Sat Apr 12, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question: How to Depreciate Water Heater?
Replies: 16
Views: 1402

Re: Tax Question: How to Depreciate Water Heater?

My non-expert reading: 1) yes 2) separate for depreciation purposes means separate for depreciation purposes. Increase the basis, but when you sell, the depreciation recapture (I know, someone will explain that's the wrong term) will include each separate item of depreciation. Also, next year, you ...
by petrico
Sat Apr 12, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question: How to Depreciate Water Heater?
Replies: 16
Views: 1402

Re: Tax Question: How to Depreciate Water Heater?

Use the 5-year GDS recovery period. See Pub 527 page 8. Hi HueyLD, Thanks for your reply. It seems you are classifying the water heater as 5-year property. However, do you agree that it is an "improvement" as explicitly identified in Table 1-1? If so, wouldn't this statement apply? "...
by petrico
Sat Apr 12, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question: How to Depreciate Water Heater?
Replies: 16
Views: 1402

Tax Question: How to Depreciate Water Heater?

These are some last minute tax questions concerning a small single family house my siblings and I have been renting out for five years. We've been reporting the rental income and expenses, and depreciating the property using straight line depreciation over a 27.5 year recovery period. We replaced th...
by petrico
Sat Apr 12, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question: How to Depreciate Water Heater?
Replies: 16
Views: 1402

Re: Should I be afraid to upgrade from windows 8.0 to 8.1?

Finally Windows 8.0 will be supported for a long time so while you shouldn't be afraid to upgrade there is also no compelling reason to upgrade if you don't want to. Not as long as many people think. Microsoft is treating 8.1 with the same rules as a service pack. Meaning you have 2 years to instal...
by petrico
Wed Apr 09, 2014 6:52 am
 
Forum: Personal Consumer Issues
Topic: Should I be afraid to upgrade from windows 8.0 to 8.1?
Replies: 6
Views: 573

Re: Just returned new laptop with Window 8.1

First and foremost I want to thank everyone for their suggestions and moral support over the past few months. I found the Classic Shell download to be very helpful as well as links such as Windows8Secrets and WheresMyCheese. However, while helpful, they were not sufficiently so to let me feel as &q...
by petrico
Wed Apr 09, 2014 6:34 am
 
Forum: Personal Consumer Issues
Topic: Just returned new laptop with Window 8.1
Replies: 104
Views: 8768

Re: Anyone else very reluctant to buy right now?

Based on one of Warren Buffet's favorite metrics for determining fair market value, that is total market cap vs. GDP, the market is significantly overvalued right now. Last I checked, total market cap was sitting well over 18 trillion, with GDP closer to 15 trillion. Am I alone in being extremely r...
by petrico
Mon Apr 07, 2014 1:11 am
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 13977
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