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Re: Get your ammo before they are gone

There is some ban on one type of .223 (m855) that most people don't use and this limited ban is causing a return of panic buy. I don't need anything since I don't shoot anymore but I figure I give folks heads up in case they don't have TV or cable service to catch the news. This doesn't affect me b...
by stevewolfe
Thu Mar 05, 2015 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Get your ammo before they are gone
Replies: 12
Views: 1186

Re: Get your ammo before they are gone

Why? Just curious.
by stevewolfe
Thu Mar 05, 2015 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Get your ammo before they are gone
Replies: 12
Views: 1186

Re: Wife tired of saving...

I don't really have much advice for you. But this line kinda irked me for some reason. +1 - know thy self. My advice would be not to let them know what you have in the first place. I'd imagine it's these kinds of comments that have eroded, to some degree, your wife's perspective on saving. Maybe yo...
by stevewolfe
Wed Mar 04, 2015 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 156
Views: 11364

Re: Foodsaver use

We use an attachment for ours along with Ball widemouth jars to prepare soup for freezing. We make large pots of veggie and bean soup and freeze 15 or so jars each time. We also make large pans of lasagna and vacuum seal meals. This works great for a quick diner, throw the frozen pouch in boiling wa...
by stevewolfe
Sat Feb 28, 2015 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Foodsaver use
Replies: 27
Views: 1572

Re: International increase in Target Retirement & LifeStrate

Crushtheturtle wrote:You can't use these funds to "set and forget" if they continually change the allocation. They are useless for all but the least involved investor.

Bingo. :beer
by stevewolfe
Fri Feb 27, 2015 4:02 am
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 147
Views: 10551

Re: International increase in Target Retirement & LifeStrate

And this is why I don't use these funds sad to say. I want to make the decision when these changes are made. Seems like there is fiddling going on every few years... Pass.
by stevewolfe
Thu Feb 26, 2015 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 147
Views: 10551

Re: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX

The underlying investments are slightly different. For example, if you look at the 10 year MPT statistics at Morningstar.com, you see the following: VBTLX - R Squared: 99.03; Beta: 1.01; Alpha: -0.05; Traynor Ratio: 3.33 PBDIX - R Squared: 99.08; Beta: 1.00; Alpha: -0.05; Traynor Ratio: 3.32 Excuse ...
by stevewolfe
Sun Feb 22, 2015 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX
Replies: 21
Views: 998

Re: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX

Yes it was following the same strategy then. I haven't noticed much in the way of changes over the years in the prospectus. If their strategy changes going forward, I'd expect to know that from the prospectus.
by stevewolfe
Sat Feb 21, 2015 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX
Replies: 21
Views: 998

Re: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX

When the world faced financial armegeddon in 2008 and 2009, VBTLX returned 5.15% and 6.04%. Contrast with PBDIX which returned 5.44% and 6.63%. Both did their jobs to provide a ballast to a portfolio.
by stevewolfe
Sat Feb 21, 2015 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX
Replies: 21
Views: 998

Re: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX

I own both of these funds and have been pleased with both. Return on $10k since PBDIX inception vs VBTLX (2000) is separated by $81 - with VBTLX ahead. I like PBDIX for the money I have with T. Rowe Price. The charts of these two seem to move in lock step.
by stevewolfe
Sat Feb 21, 2015 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX
Replies: 21
Views: 998

Re: Commiting NEW cash to market

Do you honestly never update your IPS and asset allocation? You just blindly keep it the same regardless of the facts on the ground? Why yes I do. Annually with my wife. It's not a perfect science - sliding equity exposure up or down by 10% (for example) doesn't seem to move the needle much over ti...
by stevewolfe
Sat Feb 21, 2015 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Commiting NEW cash to market
Replies: 31
Views: 2117

Re: Commiting NEW cash to market

I'm a firm believer that it is impossible to pick market tops or bottoms. However, I also believe that you don't turn off your common sense. To me, common sense dictates you don't buy equities with cash after a tripling of equities over six years. I'm a firm believer that people always pick a data ...
by stevewolfe
Sat Feb 21, 2015 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Commiting NEW cash to market
Replies: 31
Views: 2117

Re: rank order fixed income options

letsgobobby wrote:CDs would involve me transferring my Roth IRA from Vanguard which I don't want to do. The 529 stable value option is intriguing.


Have you considered buying brokered CD's at Vanguard in your Roth IRA (would need to be a brokerage type account)?
by stevewolfe
Sat Feb 14, 2015 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: rank order fixed income options
Replies: 14
Views: 1035

Re: Dave Ramsey says you shouldn't own bonds?

10 year treasuries are trading for less than 2% with inflation near that level. 10 year TIPs are trading for all of 0.2%. That's bigger than expense ratios for most funds. Bonds have been on a broad rally for over 30 years, with zero chance that it will continue much longer. So yes; Bonds and Bond ...
by stevewolfe
Sat Feb 07, 2015 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8812

Re: The Emergency Fund Revisited

I haven't eliminated my bank account and you didn't specifically ask for other opinions in the OP, so feel free to ignore... :beer Is having a Vanguard account and a savings account really a big deal such that simplifying is worth considering? If the value of your your assets is X times your emergen...
by stevewolfe
Sat Feb 07, 2015 7:53 am
 
Forum: Personal Finance (Not Investing)
Topic: The Emergency Fund Revisited
Replies: 20
Views: 1885

Re: Mariotta's Gone-Fishing Portfolio

I'm struggling with why you'd want to avoid Euro currency countries (along with some non-Euro countries like the UK) and Japan? There are high quality companies in those two areas and some of the largest export nations in the world. Why would you not want exposure to those businesses?
by stevewolfe
Sat Jan 24, 2015 5:13 pm
 
Forum: Investing - Theory, News & General
Topic: Marotta's Gone-Fishing Portfolio
Replies: 12
Views: 1486

Re: Mariotta's Gone-Fishing Portfolio

stemikger wrote:13 funds is considered simplicity?


Glad I wasn't the only one thinking that reading fund after fund... < 5% allocations are most likely a waste of time.
by stevewolfe
Sat Jan 24, 2015 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: Marotta's Gone-Fishing Portfolio
Replies: 12
Views: 1486

Re: Flagship financial planner advice?

Not every spouse is going to want to manage themselves with spreadsheets available on Bogleheads Wiki. THIS. And even if they did manage the spreadsheet, it's a whole other animal to actually DO what the spreadsheet says to do - e.g., have the confidence to go the site and sell X and buy Y. My advi...
by stevewolfe
Sat Jan 24, 2015 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 54
Views: 5410

Re: 5.6% stable value fund - what allocation?

0% - too good to be true in my opinion... My stable value fund with Vanguard is 1.98%, my wife's is 2.87%. Your rate is much higher and I wouldn't trust it frankly.
by stevewolfe
Sun Jan 18, 2015 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: 5.6% stable value fund - what allocation?
Replies: 29
Views: 2527

Re: Best Book To Learn R Programming

The Johns Hopkins courses in R offered on Coursera (free) are great. I've taken this class (completed 100% with distinction), it's very good and called "Computing for Data Analysis". The assignments are realistic and quite interesting. Highly recommended and now part of a certification tr...
by stevewolfe
Sun Jan 18, 2015 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Best Book To Learn R Programming
Replies: 32
Views: 3261

Re: How low could the 10 year go?

In in the case of the Swiss didn't they, on certain accounts, decrease the interest rate to -0.75% today as well (yes, that is negative 75 basis points)? Which would be an advantage to holding an asset paying 0% vs. -0.75% per year...
by stevewolfe
Thu Jan 15, 2015 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: How low could the 10 year go?
Replies: 16
Views: 1493

Re: Remind me: why am I holding VG's longer-term TIPS fund?

I've noticed some "weirdness" with the way Vanguard vs. Morningstar have reported the yield of the Short term fund admiral shares (e.g., VTAPX). Today, Morningstar has an SEC yield of 0.07% while Vanguard is reporting 0.34% SEC yield for the same fund - which is ODD because the SEC yield r...
by stevewolfe
Sun Jan 11, 2015 9:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Remind me: why am I holding VG's longer-term TIPS fund?
Replies: 31
Views: 3452

Re: Quick question about Vanguard Total Stock mkt index

A simple question belied by complexity in portfolio construction... consider... You may choose to go the route of TSM + small cap or TSM + small cap value, which is a popular combination in some parts here. Let's say you do this in a 50/50 combination for your equities (leaving out fixed income and ...
by stevewolfe
Thu Jan 01, 2015 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Quick question about Vanguard Total Stock mkt index
Replies: 8
Views: 669

Re: No surprise CD rates from Penfed

Yep, I checked as well... too bad...
by stevewolfe
Thu Jan 01, 2015 10:52 am
 
Forum: Investing - Theory, News & General
Topic: No surprise CD rates from Penfed
Replies: 4
Views: 1252

Re: Bonus how much do you spend vs save?

For years I've taken $100 from the bonus to use to take my wife for diner and invested the rest. Works for us.
by stevewolfe
Fri Dec 26, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bonus how much do you spend vs save?
Replies: 50
Views: 4956

Re: Article dissing VTSMX-opinions?

Well said longinvest, nice example as well. :beer
by stevewolfe
Fri Dec 26, 2014 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: Article dissing VTSMX-opinions?[Merriman on diversification]
Replies: 42
Views: 2981

Re: Article dissing VTSMX-opinions?

overweight?..I thought he was just saying the index was under weighted. That the S&P 500 is not the "total stock market". The article is about the Vanguard Total Stock Market index - he compares it to the S&P 500. Vanguard Total Stock Market index contains well over 3,000 stocks. ...
by stevewolfe
Fri Dec 26, 2014 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Article dissing VTSMX-opinions?[Merriman on diversification]
Replies: 42
Views: 2981

Re: I think I just got a $5,000 watch for Christmas

My watch is my smart phone. But congrats, tremendous gift. :beer
by stevewolfe
Thu Dec 25, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 180304

Re: Do I-Bonds Count (as part of your bond allocation)?

leonidas wrote:They do for me as well as CDs.


Same for me.
by stevewolfe
Thu Dec 25, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I-Bonds Count (as part of your bond allocation)?
Replies: 24
Views: 2338

Re: What "actively" managed funds do you own?

T. Rowe Price Capital Appreciation - PRWCX
About to move back into Vanguard Inflation Protected Securities - VAIPX
Vanguard Retirement Savings Trust - Stable value fund
by stevewolfe
Sun Dec 21, 2014 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 82
Views: 4961

Re: TIPS Mutual Funds

We have a minimum of 20% of fixed income (12% of portfolio) allocated to inflation protected bonds. Presently, 100% of our inflation protected bonds are I-Bonds and we'll be adding to that in January, 2015 as we are a bit light at 10.7% of portfolio. We sold all of our Vanguard TIPS (VIPSX at the ti...
by stevewolfe
Sat Dec 13, 2014 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 3072

Re: Oil's future...

Economist had a nice write up on this subject this week I'd recommend reading. The line that caught my attention was the idea that with America's production up 3 million b/d during the shale drilling boom - and many fields still to be developed - that America has actually challenged Saudi Arabia not...
by stevewolfe
Sat Dec 13, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: Oil's future...
Replies: 56
Views: 6491

Re: My first non fee adivsor meeting..confused

Google is your friend. If you search for 'Vanguard solo 401k' (sans quotes) the first non-sponsored link takes you to that page. Often it seems it's easier / more efficient to Google for something on a site than to use the site navigation / site search. :beer
by stevewolfe
Fri Dec 12, 2014 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first non fee advisor meeting..confused
Replies: 35
Views: 4742

Re: [Merriman] Why Vanguard Total Stock Market isn’t the bes

But this fund falls far short of its "total market" title. In fact, the fund gives investors only a small part of what it takes to diversify a portfolio into the best asset classes. This is no small matter, since that diversification accounts for more than 90% of an investor's likely retu...
by stevewolfe
Thu Dec 11, 2014 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 29770

Re: Bond Funds

Curious on people thoughts about the MM assessment and whether I should be gravitating back to a heavier weight on the intermediate duration bonds. I guess my thoughts would be about something that you didn't ask, but that is implied by this sentence. It implies you had a heavier weighting in inter...
by stevewolfe
Sat Dec 06, 2014 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Funds
Replies: 6
Views: 529

Re: Vanguard New Account Structure

I am still amazed there is no way (I know of) to cancel a mutual fund order once placed. This is the one that gets me too - all of the other companies I've had accounts with have offered this option. I've never had to use it, but every time I place a transaction with Vanguard I think of this and it...
by stevewolfe
Sat Dec 06, 2014 9:51 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 300
Views: 31068

Re: What % of your fixed-income is TIPs?

I'm a fan of I-Bonds. i sold all my TIPS in February of last year (Vanguard fund). My IPS allows me to own 100% Inflation protected bonds (but not at these levels). I maintain (and am presently allocated to) a floor of 20% of fixed income in Inflation protected bonds. All of the 20% is currently I-b...
by stevewolfe
Tue Dec 02, 2014 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your fixed-income is TIPs?
Replies: 71
Views: 3665

Re: TSM vs Small/Mid Cap fund

I guess I would ask what was the reason you had for investing in the Small and Mid-cap Index in the first place if you didn't expect that performance would be different (not trying to be snarky with that comment) over periods of time (like YTD or since the recession which is ~5 years or so tops)? If...
by stevewolfe
Tue Nov 25, 2014 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM vs Small/Mid Cap fund
Replies: 10
Views: 785

Re: What do you splurge on?

1) Trips to Dallas to see Cowboys games.
2) I collect graded Dallas Cowboys football cards from the 1960's.
3) Lunch out of the office each day, although this is a mental health type of thing and well worth the cost.
4) Computer hardware. Although not as much as I used to.

:beer
by stevewolfe
Fri Nov 21, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 24718

Re: is 3.20% Vanguard brokered CD best deal around?

I'd never lock up money for 10 years at only 3.2%, especially with the Fed so close to raising interest rates. It will start next year already. It was supposed to start this fall. Markets expect them to do what you say, but there is no guarantee. Never is a long time. When they start raising rates ...
by stevewolfe
Sun Nov 16, 2014 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4687

Re: Bogle: No TIPS/Inflation Bonds

No offense, but why would anyone care what Mr. Bogle holds or does not hold in one's portfolio? He is 85 or so, a multimillionaire, with a lie expectancy of less then 10- 20 yrs. Unless you are the same (which I doubt) then his PERSONAL portfolio should have no influence of your PERSONAL portfolio....
by stevewolfe
Sun Nov 09, 2014 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Bogle: No TIPS/Inflation Bonds
Replies: 36
Views: 8094

Re: Do IBonds make sense living in a high inflation area

0% yield! I do not see the upside. All bonds have an expected inflation component. Any good short or intermediate term bond fund will provide safety and income in a portfolio. Total Bond Index and Intermediate Tax Exempt are two very good options. 0% real yield. 1.48% nominal yield. I bond can't de...
by stevewolfe
Sat Nov 08, 2014 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Do IBonds make sense living in a high inflation area
Replies: 30
Views: 3286

Re: Are you buying I bonds in 2014? And if so, for what role

My IPS says I need a floor of 20% of my fixed income to be in inflation protected bonds. So I need to buy inflation protected bonds each year as I am in the accumulation phase. I sold out of my TIPS fund a few years ago, so unless that becomes a more attractive option next year, I'll be buying more ...
by stevewolfe
Fri Nov 07, 2014 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are you buying I bonds in 2014? And if so, for what role?
Replies: 46
Views: 5634

Re: When do you buy a new home computer?

Last two computers I purchased for home were: 1) Lenovo Thinkpad T420 with Core i-5 2520M 2.5 ghz dual core + hyper threading, 16gb RAM, 120gb Intel 520 series SSD + 750gb 7200 rpm disk (Ubuntu 14.04 LTS is the OS). 2) Home built AMD FX-8350 8 core 4.0ghz, 32gb ECC RAM, 240gb Intel 530 series SSD + ...
by stevewolfe
Fri Nov 07, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4881

Re: CD rate change schedule

Surprised to see you write that Penfed rates are down. As far as I can see they went UP on Oct 1 and are still up, certainly from '13 and earlier this year. I grant they are down from several years ago. 5 year was 2.1% and 7 year was 2.3% yesterday (2014-10-31). Today they are both 1.75% at PENFED....
by stevewolfe
Sat Nov 01, 2014 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: CD rate change schedule
Replies: 10
Views: 2725

Re: iPad Air 2 - 16 or 64 Gig?

Respectfully, I have to ask what does an ipad 2 air 64 GB have for $129 more than a Nexus 9 32 GB that makes it worth the money? Beyond the additional 32 GB. I too can afford it and tend to keep my devices until they die, but its a case of $10 wine or 4 bottles of $30 wine. I'm all for paying for s...
by stevewolfe
Sat Nov 01, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 42
Views: 3667

Re: which bond is good to buy in this market

Hello, Your asset allocation is 50% stock and 50% cash. You asked about a bond fund to replace cash. You mentioned a 5 year horizon. You didn't mention if this was taxable or tax deferred money. You didn't mention an amount of money. You might get more suggestions if you did. :beer Shot in the dark ...
by stevewolfe
Sat Oct 18, 2014 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: which bond is good to buy in this market
Replies: 4
Views: 720

Re: Anyone cancelling travel plans?

I think so. We were in Dallas 3 weeks ago for the Cowboys - Saints game (Cowboys fan) when the news broke the first US case was confirmed there. I'm going back to Dallas for the Colts game in December. News would have to change significantly from what is going on now to get me to cancel the trip. I ...
by stevewolfe
Sat Oct 18, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6589

Re: Headed for a 300+ point loss today?

I'd love to be proven wrong but I won't be. To have ALL your wealth in CDs is absurd. Even the most conservative of alternatives is a better option. Having said that, I will say for the tenth time that having all your wealth in a product that won't even keep up with inflation is never the right thi...
by stevewolfe
Sat Oct 11, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 37112

Re: Blood work for cats

I'm sure this varies from place to place, but each time our vet has done bloodwork on our cat it has been in support of a diagnosis or verification of a follow up treatment. And they did the blood work there - for about 1/4 of what you were going to be charged. May be worthwhile to see if you just l...
by stevewolfe
Sun Sep 21, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: Blood work for cats
Replies: 40
Views: 5680
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