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Re: What Is The Worst Car You Have Ever Owned?

1995 Taurus. It was the classic rental car of the period, and the quality was not high. The engine was noisy, underpowered and thirsty. The transmission disintegrated as the car closed in on 100k. And the fuel pump was not durable. The Taurus's gave out when we were on the 395 in the high desert (Ca...
by steve roy
Sat Apr 18, 2015 2:05 pm
 
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1304

Re: John Hancock Funds (JFIVX & RLBFX)

Somebody is getting shafted, and it ain't John Hancock.
by steve roy
Fri Apr 17, 2015 11:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: John Hancock Funds (JFIVX & RLBFX)
Replies: 7
Views: 520

Re: New York New York casino

Good steakhouse in the hotel, plus several other nice eateries. The names of ALL of them escape me. (Aren't I useful?)

But you can find good restaurants at all the big hotels around there. No deals, as there was in my long-ago youth, but plenty of eating choices.
by steve roy
Fri Apr 17, 2015 11:28 pm
 
Forum: Personal Consumer Issues
Topic: New York New York casino
Replies: 6
Views: 758

Re: Stocks are on sale, should I buy?

Just put the money in as you can. You've got forty-plus years to go, so you should now be acquiring equities no matter which way the market is going.
by steve roy
Fri Apr 17, 2015 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stocks are on sale, should I buy?
Replies: 36
Views: 3549

Re: What do you drive, and why?

I drive a 2004 Saturn Vue, four-cylinder with a stick (five-speed). I drive it because my oldest son, for whom we had purchased the vehicle when he went to college, wanted to get rid of it and I was driving a beat-up 2001 Taurus. Glomming onto the Vue was a step up for me. (Note: I tend to be frugal...
by steve roy
Fri Apr 17, 2015 1:23 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 229
Views: 21421

Re: What Movie Have You Recently Watched?

Saw DreamWorks Animation's Home today. Light, enjoyable comedy. The vocal perfromances were all excellent, with a particular hat tip to Steve Martin.
by steve roy
Sun Apr 05, 2015 9:25 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 729
Views: 97126

Re: Have P/E Ratios Affected Your Asset Allocation?

Not very much. I have an Asset Allocation and I contribute money to it as I have money. I focus more on costs of investments than the P/E of investments. That said, I could see shifting out of some assets and into others if there was a BIG opportunity. (This might include shifting from 30/70 to 35/6...
by steve roy
Fri Apr 03, 2015 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: Have P/E Ratios Affected Your Asset Allocation?
Replies: 52
Views: 2657

Re: Did you learn anything from 2008?

There will be a time when the market crashes and doesn't recover. I would caution against the "I knew all along it would come right back" line of thinking. No one knew at the time anything of the sort. While I agree that no one can know that a market will come right back, is it not also t...
by steve roy
Thu Apr 02, 2015 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 8403

Re: Did you learn anything from 2008?

There will be a time when the market crashes and doesn't recover. I would caution against the "I knew all along it would come right back" line of thinking. No one knew at the time anything of the sort. I'm confident when the sun reaches its red star phase, the stock market will crash and ...
by steve roy
Thu Apr 02, 2015 5:43 pm
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 8403

Re: Total International Vs. Small Cap Intl

Like livesoft, I split my foreign ho9ldings between large and small cap. I'm not an adherent to cap-weighted equity investments, but certainly many here invest in the big "Total Stock" indexes, and so buy the domestic or international market. Nothing wrong with it, it's simple and easy, bu...
by steve roy
Tue Mar 31, 2015 1:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total International Vs. Small Cap Intl
Replies: 15
Views: 1866

Re: Balanced Portfolio - Help Identifying Problems

Looks pretty good to me. I wouldn't re-balance so often, but if it's not a problem it likely won't hurt. I would probably own 60% global, rather than 50%. But these at nit-picks. At the last Bogleheads conference (in PA), a lot of the experts thought that constant, even yearly re-balancing wasn't re...
by steve roy
Tue Mar 31, 2015 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Balanced Portfolio - Help Identifying Problems
Replies: 2
Views: 281

Re: How many of you invest in individual stocks?

Did. Don't now.

The Mrs. DOES have individual stocks. She's owned a chunk of Disney stock for years and years, and plans on continuing to own it.

Me, I bailed out of individual stocks in mid-2008, when I detected a tidal wave on the horizon. Haven't owned anything but mutual funds since.
by steve roy
Tue Mar 31, 2015 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 70
Views: 4749

Re: Did you learn anything from 2008?

What did I (re)learn?

Don't freak out.
by steve roy
Mon Mar 30, 2015 11:12 pm
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 8403

Re: Weird situation with active vs. index

Me, I'd go with the Mid Cap Index, since it's as inexpensive an anything.

Maybe some of these funds will come down in cost as time goes on.
by steve roy
Sun Mar 29, 2015 11:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weird situation with active vs. index
Replies: 12
Views: 1213

Re: Weird situation with active vs. index

Understand why your husband's 401(k) Plan has high-cost index funds: The funds aren't expensive to run, but the Plan is (likely) getting money back from the Plan administrator on the spread. This money pays for the costs of running the plan. My thought: These high-price index funds won't necessarily...
by steve roy
Sun Mar 29, 2015 10:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weird situation with active vs. index
Replies: 12
Views: 1213

Re: Investment/Retirement advice

To get it done quick, just dump the money in a Target Date or Life Strategy fund. You can sort the money into different individual funds later, after they're built up. The main thing is to get in under the wire, THEN fine tune.
by steve roy
Sun Mar 29, 2015 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment/Retirement advice
Replies: 8
Views: 917

Re: Investment/Retirement advice

The way the Mrs. and I do it, we First fund our 401(k)s. Next fund the Roth IRAs. Next fund investment accounts consisting of index funds and tax exempt bond funds. (We slice and dice, employing a small cap value tilt.) Finally we feed a money market fund, but truth to tell more weekly cash flow goe...
by steve roy
Sun Mar 29, 2015 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment/Retirement advice
Replies: 8
Views: 917

Re: Vanguard FTSE All-World ex-US Small-Cap ETF

I've owned this ETF for some time. It's half of my foreign asset allocation, and I'm fine with it. I'll be purchasing more over the next two years. A lot more.
by steve roy
Sat Mar 28, 2015 12:05 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard FTSE All-World ex-US Small-Cap ETF
Replies: 17
Views: 2881

Re: Vanguard's Week In Review

I would look at this:

http://www.calculatedriskblog.com/

Bill McBride has great charts and lots of down-the-middle analysis. But there are plenty of places to get analysis and reporting. I guess you just choose your flavor, and go.
by steve roy
Fri Mar 27, 2015 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2107

Re: Vanguard Problems

Vanguard products are great, their customers service reminds me of Walmart. The way I have dealt with this is by increasingly using Fidelity. When I was looking to open a Solo 401K there was a stark difference between the two. To be honest I felt like Vanguard didn't care if they got my business or...
by steve roy
Fri Mar 27, 2015 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Problems [Account transactions]
Replies: 22
Views: 3158

Re: Automatic investing in to VG mutual funds

I used to buy Wellesley with automated weekly purchases. My wife still does it. Never a problem.
by steve roy
Thu Mar 26, 2015 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Automatic investing in to VG mutual funds
Replies: 12
Views: 1241

Re: Munis for Diversification?

There's no 100% correct way to do it. If you run out of room in your tax-advantaged space, then use Munis. I do. But if you can jam your bonds into IRAs and 401(K)s and place equities on the investment side of your portfolio, that's okay too. If you've got big retirement accounts with lots of bonds ...
by steve roy
Mon Mar 23, 2015 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: Munis for Diversification?
Replies: 14
Views: 1344

Re: Developed & Emgerging vs Total International?

In equities, I aim for 30% Total International, split equally between small and large cap. I use Vanguard's International Small Cap ETF to lower costs. There's more than enough emerging market exposure in those two funds for me. I'm a simple man with simple tastes. My head starts to hurt if I make t...
by steve roy
Mon Mar 23, 2015 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Developed & Emgerging vs Total International?
Replies: 7
Views: 755

Re: Vanguard Problems

Vanguard products are great, their customers service reminds me of Walmart. The way I have dealt with this is by increasingly using Fidelity. When I was looking to open a Solo 401K there was a stark difference between the two. To be honest I felt like Vanguard didn't care if they got my business or...
by steve roy
Mon Mar 23, 2015 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Problems [Account transactions]
Replies: 22
Views: 3158

Re: Money Magazine on Low Volatility Funds

Ah, good old Money Magazine, handing out moldy investment tips. Here's the way Steve Roy does it: He sets up his stock/bond allocation plan and funds it in small dribs and drabs (since that is about the only way he can do it, as he needs some cash for eating and house payment purposes). He keeps put...
by steve roy
Fri Mar 20, 2015 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: Money Magazine on Low Volatility Funds
Replies: 18
Views: 2901

Re: Bonds — The U.S. As a High-Yielding Country?

My thought: experts have misjudged and mis-predicted bond interest rates for years. (I'm over-weighted in short-term bonds because of them. Ah well. ...) My thinking NOW is I should be investing in intermediate bonds, but I'm slothful. And so remain over-weighted in short-term. But since my bond-sto...
by steve roy
Sun Mar 15, 2015 1:21 am
 
Forum: Investing - Theory, News & General
Topic: Bonds — The U.S. As a High-Yielding Country?
Replies: 21
Views: 2247

Re: Total Bond Index

The strike against SSGA (in my mind) is the high cost. With interest rates low as they are, half a percent in costs makes me go "yeowch." Still in all, the purpose of a fixed income position is ballast and stability. You've only got the options you've got, but I would own a bond fund becau...
by steve roy
Thu Mar 12, 2015 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income alternatives?
Replies: 12
Views: 1389

Re: Will you buy an Apple Watch?

Ixnay on the watchay.
by steve roy
Wed Mar 11, 2015 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 351
Views: 20890

Re: How is Your Pension Counted when Calculating Net Worth.

The wife and I have two private pensions. We don't consider the pensions as part of our net worth. The income stream they'll provide will only impact the withdrawal rates out of our money stashes.
by steve roy
Mon Mar 09, 2015 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: How is Your Pension Counted when Calculating Net Worth.
Replies: 40
Views: 2962

Re: Bernstein: 2% investment returns over next 20 years

I hate to disagree with Bernstein as he has been on the money more often than not in his writings, but I am in the camp that broad economic growth will accelerate towards the end of this decade into the 2020's as millennials reach their high earning (and high consuming years). Time will tell. If an...
by steve roy
Mon Mar 09, 2015 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 23205

Re: Vanguard et al disintermediated?

I have some doubts about this. It's great to believe we're moving toward that happy era of unicorns and rainbows, but there will still be costs, because the broker-mutual fund will still want their cut. Me, I'm waiting until Schwab or Fidelity pays me for my business. THEN, we'll be getting somewhere.
by steve roy
Mon Mar 09, 2015 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard et al disintermediated?
Replies: 39
Views: 2741

Re: Anyone hold precious metal

Long ago in the Reagan days, I had a big fat silver bar for which I paid $800. Watched it go up in value to $8000 (thank you, Bunky Hunt!). Then watched it go back down (inside of a week) to $800. Finally sold it for $900. You like big, scary roller coasters, it's a good way to go. Otherwise, not.
by steve roy
Sun Mar 08, 2015 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone hold precious metal
Replies: 44
Views: 3419

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

I've reached the happy state where I'm comfortable with market gyrations. (I've no idea if this is a temporary phenomena or not.) Friday when most everything took a dive to the canvas, I looked at the fund that had dropped the most (for me it was Total Stock Market) and bought a bunch of new shares....
by steve roy
Sun Mar 08, 2015 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4420

Re: investment allocation for a non-retirement goal

I vote for the Vanguard Balanced Tax Managed Fund, 50% U.S. stock, 50% tax exempt bonds, if you want to use one fund. Otherwise, I would go 50% Total U.S. stock, 50% intermediate tax exempt bonds. You've got a lot of different choices on the investment side -- index stock funds, tax advantaged funds...
by steve roy
Sun Mar 08, 2015 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: investment allocation for a non-retirement goal
Replies: 9
Views: 969

Re: I hate the new Vanguard Web navigation!!!

Hm. Now I have Mac/Safari, and I don't have a big problem with it. The tabs and site a little hinky because they've moved things around a bit, but I find I can navigate hither and yon after ascertaining where the tabs and links have been placed. Change can be disconcerting until you settle into the ...
by steve roy
Sun Mar 08, 2015 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 4654

Re: How long did you stay in your starter home?

Toons wrote:17 years. :happy


Same here. Remained n a 950 square foot house ... that we enlarged to 1500 square feet, from '77 to '94.
by steve roy
Sat Mar 07, 2015 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did you stay in your starter home?
Replies: 87
Views: 4751

Re: The More I learn, the fewer changes I make

The great advantage of a three-fund portfolio is you minimize chances to louse it up. You can't chase real estate. You can't chase energy stocks, you can't chase health care mutual funds or emerging markets or small caps or growth stocks. You won't go off on a tangent chasing whatever CNBC says you ...
by steve roy
Sat Mar 07, 2015 12:18 am
 
Forum: Investing - Theory, News & General
Topic: The More I learn, the fewer changes I make
Replies: 25
Views: 3241

Re: TSP account asset allocation?

Here's my advice: Do 30-40% in intermediate bonds. (This is higher than your current 20%, but I think you should be more conservative.) Split the other 60% equally between U.S. Large Cap, U.S. Small Cap Value (if TSP has such an animal), International, Small Cap International. I would let this alloc...
by steve roy
Sat Mar 07, 2015 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP account asset allocation?
Replies: 11
Views: 831

Re: When will / did you claim Social Security benefits?

For me it will be 70. The Mrs. will claim spousal benefits at FRA, then claim her work SS at 70.

For us, this is a no-brainer, as I will be working until 68 and have enough cash flow to see me through to 70.
by steve roy
Fri Mar 06, 2015 11:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 11766

Re: stress management tips?

Long walks, meditation, getting 7-9 hours sleep per night. When I can't sleep I sometimes pop a Melatonin, sometimes focus on a Buddhist mantra. Some things work better than other things, but they all help. I think that dealing with stress is very individualistic, but there are various strategies an...
by steve roy
Fri Mar 06, 2015 11:43 pm
 
Forum: Personal Consumer Issues
Topic: stress management tips?
Replies: 19
Views: 1732

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Applied my John Hancock. We need MORE signatures!
by steve roy
Tue Mar 03, 2015 8:10 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 11906

Re: The Blind Forecaster

I have what I consider to be a very careful, well-planned asset allocation. And parts of it haven't done well. (Who would have thought short-term TIPS would be so ... sucky?) But I don't flip out of the under-performers because there was a reason I bought them in the first place, and under-performan...
by steve roy
Tue Mar 03, 2015 12:28 am
 
Forum: Investing - Theory, News & General
Topic: The Blind Forecaster
Replies: 28
Views: 2526

Re: What's your average ER? [Expense Ratio]

12 basis points.
by steve roy
Mon Mar 02, 2015 11:34 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7439

Re: Nasdaq Record High....

It's my experience that we learn best by making mistakes and learning the lesson they provide. On the other hand ...

"After a cat jumps on a hot stove, he never jumps on a hot stove again.
But he never jumps on a COLD one, either."

-- Mark Twain
by steve roy
Mon Mar 02, 2015 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nasdaq Record High....
Replies: 25
Views: 2001

Re: The Blind Forecaster

As the saying goes: Market forecasters are there to make gypsy fortune tellers look good.
by steve roy
Mon Mar 02, 2015 1:08 am
 
Forum: Investing - Theory, News & General
Topic: The Blind Forecaster
Replies: 28
Views: 2526

Re: I need some commets on my portfolios

I'm a wee bit confused. You have a 70% stock/ 30% fixed allocation but no bond? Then CDs? Money Market? Also, you have a list of ETFs but no percentages of what you're invested in. Percentages would help. But looking at what you have, it looks as though you have a lot of overlap between ETFs. I woul...
by steve roy
Sat Feb 28, 2015 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need some comments on my portfolios
Replies: 9
Views: 1110

Re: How does one increase their typing speed and accuracy?

I sucked in eighth grade typing class (with four "Ds" to prove it), and I suck now.

But I soldier on.
by steve roy
Fri Feb 27, 2015 10:09 pm
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 4266

Re: Is Vanguard understaffed?

I had an excellent Flagship representative for many years, but she was promoted and moved on up. (The consequence of being excellent?) Now I have a less excellent Flagship representative. He's personable, but less on-the-ball. My wife and I have had some issues, where we had none before. Ah well. ....
by steve roy
Fri Feb 27, 2015 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Is Vanguard understaffed?
Replies: 37
Views: 3590

Re: How do you plan on spending your time during retirement?

Recreational sleeping.

(Only partially a joke.)
by steve roy
Mon Feb 23, 2015 7:44 pm
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 3234

Re: The challenges of staying the course...

2.8%? Now that my wife has moved her stash to the Federal TSP, I'm running 5.5% over ten years with a 62% bond (much of it short term), 38% stock allocation. I have a slug of Wellesley, and the portfolio has 44% small cap, 18% mid cap, 38% large cap. I also tilt to value. Even when our VG portfolio ...
by steve roy
Mon Feb 23, 2015 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 66
Views: 5419
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