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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: 6162

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: 6162

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: 51
Views: 2406

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: 51
Views: 2406

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: 51
Views: 2406

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: 51
Views: 2406

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: 2121

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: 1040

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: 1040

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: 3497

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: 7047

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: 7047

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: 7047

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: 7047

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: 3206

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: 7047

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: 3206

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: 8558

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: 8558

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: 8558

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: 8558

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: 8558

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: 8558

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: 8558

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: 8558

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: 8558

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: 8558

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: 8558

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: 8558

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: 3830

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: 5591

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: 13381

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: 1308

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: 1308

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: 1308

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: 1308

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: 1308

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: 1308

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: 1308

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: 551

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: 8594

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: 13746

Re: John Bogle, Index Icon, Accused of Timing Market

John Bogle has not become a wild-eyed market timer. He is doing what many rational investors do and that is pay attention to valuations. He has also endorsed reaching for yield a bit, putting part of the stock portion of a portfolio into dividend stocks and using a corporate bond fund as part of th...
by petrico
Sun Apr 06, 2014 12:18 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle, Index Icon, Accused of Timing Market
Replies: 44
Views: 5710

Re: Replacement for Windows XP Computer

Have had the new computer for several days now. It's certainly much snappier and more responsive. A really good choice, and it starts up in 15 seconds -- which is faster than I think I've ever seen. But what really prompted me to post though is that Windows 8.1 is fantastic. It's like having a whol...
by petrico
Sun Apr 06, 2014 12:04 am
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 5005

The "ink-stained wretch" is back! ;-)

Jonathan Clements is back, though his first column since his departure six years ago is more of a teaser than anything. Jonathan Clements Rejoins Sunday Journal If you recall, I'm the ink-stained wretch who spent 18 years at the Journal touting the virtues of saving early and often, keeping investme...
by petrico
Sat Apr 05, 2014 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: Jonathan Clements to return to Wall Street Journal Sunday.
Replies: 29
Views: 3430

Re: John Bogle, Index Icon, Accused of Timing Market

The lesson Nelson learns from the interview with Bogle, whose “cult-like following” has “hundreds of thousands of individual investors hanging on his every word,” is to “trust a philosophy, not a person” who “can easily be swayed by prevailing market sentiments.” “I really don't mean to be nit-pick...
by petrico
Sat Apr 05, 2014 1:26 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle, Index Icon, Accused of Timing Market
Replies: 44
Views: 5710

Re: Decently written article on retirement

Thanks Marmot -- that was informative. The first example is a guy that had $130k in his retirement account in his 50s after a career of working. I just can't wrap my head around people like that of that age group (baby boomers mostly) who have that little saved. How the hell do you come of age in an...
by petrico
Mon Mar 31, 2014 11:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Decently written article on retirement
Replies: 22
Views: 3358

Re: Trouble with Financial Engines Account?

Thanks everyone for confirming that it's not just me. I've been checking once a week and it's still not working. I haven't actually complained yet, but I hope Vanguard is tracking the number of failed attempts to connect. I access Financial Engines through the my accounts page at Vanguard - no probl...
by petrico
Mon Mar 31, 2014 11:11 pm
 
Forum: Investing - Theory, News & General
Topic: Trouble with Financial Engines Account?
Replies: 18
Views: 3830

Re: Purchasing New Tires for Car and Need Suggestions

All seasons are meant for Houston or Florida. They are not substitutes for winter tires. They are fine for the summer in winter regions but are not fine for winters or for seasons where the temperature gets below 40F. Tire compounds are built for temperature ranges and winter tires stay pliable and...
by petrico
Sun Mar 30, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing New Tires for Car and Need Suggestions
Replies: 38
Views: 2492

Re: Poll: how did you decide on stock/bond allocation?

Other Originally, many years ago I knew very little other than stocks had higher expected returns and risk than bonds, and being young I could take more risk than someone older. 100% stocks seemed too high and under diversified in some vague sense so I picked 70/30 and stayed more or less there for...
by petrico
Sun Mar 30, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: how did you decide on stock/bond allocation?
Replies: 35
Views: 2524
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