Search found 1393 matches

by stevewolfe
Tue Jun 30, 2015 5:11 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 63
Views: 3789

Re: TIPS - Did you give up?

I maintain 20% of fixed income in inflation protected bonds. I sold the last of my Vanguard TIPS fund in early 2013. Currently, we are a little underweight vs. our target for TIPS - mostly due to the annual purchase limit constraints of I-Bonds. We buy the annual limit for I-Bonds and that's what's ...
by stevewolfe
Sat Jun 27, 2015 7:15 am
Forum: Investing - Theory, News & General
Topic: Bogleheads are more aggressive...
Replies: 57
Views: 5975

Re: Bogleheads are more aggressive...

Simplegift wrote:Image


Hey there I am at 43 and 40% stocks :beer
I think this chart sums things up pretty well that there is a general glide path from upper left to lower right. Thanks for assembling the data!
by stevewolfe
Wed Jun 24, 2015 1:48 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 255
Views: 15982

Re: What ratio are you stocks/bonds and how old are you?

43 / 41. 40% stock, 60% fixed income.
by stevewolfe
Sat Jun 20, 2015 10:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard international fund tracking error
Replies: 10
Views: 697

Re: Vanguard international fund tracking error

. You need to read the lower part of Page 5 of the report that covers fair-value pricing. Because of the fair value pricing that Vanguard has to use for foreign funds, the numbers in the reports for the foreign funds are off quite frequently (as David pointed out while I was researching the page nu...
by stevewolfe
Sat Jun 20, 2015 10:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard international fund tracking error
Replies: 10
Views: 697

Re: Vanguard international fund tracking error

grabiner wrote:Vanguard's index is 19% emerging markets, while most diversified international funds hold very little in emerging markets. Thus, when developed markets outperform emerging markets, an index including emerging markets will underperform its peer group.


That makes sense, thank you.
by stevewolfe
Sat Jun 20, 2015 10:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard international fund tracking error
Replies: 10
Views: 697

Re: Vanguard international fund tracking error

Thanks for the above - the information came from here: Fund Report. The report date is 2015-04-30, the returns table is on page 1 (3rd page of the PDF). Oddly the international funds average for the same period is 5.82% - well north of the 4.98% return of the admiral share class of the index.
by stevewolfe
Sat Jun 20, 2015 6:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard international fund tracking error
Replies: 10
Views: 697

Vanguard international fund tracking error

I just received a notification from Vanguard that the FTSE All-World Ex-US fund report was available on their site. So I grabbed a copy of it and noticed the 6 month fund performance in which it listed: Admiral Shares (e.g., VFWAX, the fund I hold): 4.98% return vs FTSE All-World Ex-US index: 6.00% ...
by stevewolfe
Wed Jun 17, 2015 7:08 pm
Forum: Personal Consumer Issues
Topic: Your Top 10 Bands and Top 10 Movies
Replies: 30
Views: 3555

Re: Your Top 10 Bands and Top 10 Movies

Favorite bands
Bad religion
Rancid
The clash
Midnight oil
Smiths
Pennywise
Ministry
Shelter
U2
Tori Amos

Favorite movies
Breakfast club
Some kind of wonderful
The empire strkes back
Grand Budapest hotel
Matrix
Wizard of oz (watching with my mom)
Dr strangelove
V for vendetta
by stevewolfe
Tue Jun 16, 2015 5:12 pm
Forum: Investing - Theory, News & General
Topic: Obtaining Exposure to Quality / Profitability Factor
Replies: 47
Views: 3274

Re: Obtaining Exposure to Quality / Profitability Factor

JohnnyFive wrote:I simply can't fathom why those who don't believe in tilting persist in their attempts at dissuading those who do, in threads specifically related to tilting.


For the same reason folks that tilt continue to try and persuade 3 fund folks to tilt on 3 fund threads? :beer
by stevewolfe
Sun Jun 14, 2015 6:31 pm
Forum: Investing - Theory, News & General
Topic: Grexit ?
Replies: 29
Views: 3107

Re: Grexit ?

Politics. Unless there is something actionable, it's a violation of the forum policy.
by stevewolfe
Fri Jun 12, 2015 1:01 pm
Forum: Personal Consumer Issues
Topic: Do you telecommute?
Replies: 21
Views: 1950

Re: Do you telecommute?

How many of you non-retired folks telecommute some or all of your work week? How long have you been doing it for? I have been for a number of years, as have several colleagues, and it's very strange how every couple years, after some re-org or management change, there is a lingering threat that it ...
by stevewolfe
Mon Jun 08, 2015 4:39 pm
Forum: Investing - Theory, News & General
Topic: There’s No Place to Hide as Bonds Move in Tandem With Equities?
Replies: 18
Views: 2801

Re: There’s No Place to Hide as Bonds Move in Tandem With Equities?

I guess that's why I hold I-Bonds.
And CD's.
And Stable Value in my 401(k).

And yes, Total Bond market index. But the first 3 don't generate click through...
by stevewolfe
Mon Jun 01, 2015 7:08 pm
Forum: Investing - Theory, News & General
Topic: What determines I bonds annual purchase limit, if anything
Replies: 14
Views: 1144

Re: What determines I bonds annual purchase limit, if anything

dbCooperAir wrote:I guess I should have framed the question more of what metric is used to set the limit, it seems to be all over the map.

If there is an internal metric, they haven't - to the best of my knowledge - made it public. Seems to be the program goals as stated above are open to interpretation.
by stevewolfe
Mon Jun 01, 2015 5:25 pm
Forum: Investing - Theory, News & General
Topic: What determines I bonds annual purchase limit, if anything
Replies: 14
Views: 1144

Re: What determines I bonds annual purchase limit, if anything

As best I can tell, it's set by US Treasury on a whim. Last time the limit was cut to $5,000 - from $30,000 on December 3, 2007, it went into effect on January 1, 2008... Here's what they had to say at the time: http://www.savingsbonds.gov/news/pressroom/pressroom_reducedpurchaselimit.htm I particul...
by stevewolfe
Sat May 30, 2015 3:24 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 12
Views: 1726

Re: Sling TV experiences

We had sling for a 7 day trial period right after launch and canceled it. We have comcast performance cable internet. The service was having buffering issues intermittently. The picture quality was very good. Then Game of Thrones started and they have the $15 add on for HBO, so we thought we'd try i...
by stevewolfe
Sat May 30, 2015 9:36 am
Forum: Investing - Theory, News & General
Topic: 25 Month CD at 2.27% at US Alliance Federal Credit Union
Replies: 15
Views: 2591

Re: 25 Month CD at 2.27% at US Alliance Federal Credit Union

Though we have some 5 year CDs at Synchrony Bank I've noticed that there EWP provisions are a little on the sneaky side, at least it seems so to me. The Synchrony Bank EWP rates are based on the current rate at the time of withdrawal and not the CD rate. If rates start to rise and you decide you're...
by stevewolfe
Sun May 17, 2015 11:21 am
Forum: Investing - Theory, News & General
Topic: new i-bond rate?
Replies: 28
Views: 5023

Re: new i-bond rate?

Yes, but I can always repurchase at the end of November if rates go back higher and start earning that period's interest rate right away (Nov-April '16). If anything I can cash out in early August and put it in a savings account and at least earn some interest until the end of November. I haven't b...
by stevewolfe
Sat May 16, 2015 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: comparing Stable Value to Bond funds
Replies: 4
Views: 554

Re: comparing Stable Value to Bond funds

It always seems to me that a single SV fund in a single employer's plan has to have some idiosyncratic risk a diversified bond fund would not have. I am not aware of any instances of failed or fraudulent SV funds in anyone's 401K, but I would not hold an excessive fraction of my total wealth in one...
by stevewolfe
Sat May 16, 2015 9:28 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Yes or No?
Replies: 56
Views: 4583

Re: Emerging Markets: Yes or No?

What western goods? The only things that I am aware of that are made in the USA are cruise missiles, bombs, and fighter planes. I don't think the young population buying any of these. As I sit here at the breakfast table and look around me, I only see Asian goods. Those "western goods" ma...
by stevewolfe
Fri May 01, 2015 11:01 am
Forum: Personal Finance (Not Investing)
Topic: I bonds at 0% -- still useful as emergency fund?
Replies: 4
Views: 1084

Re: I bonds at 0% -- still useful as emergency fund?

I don't see why I-bonds would not still be useful for your emergency fund. They are, in effect, after 12 months inflation protected cash (with a 3 month penalty to 5 years). If you want to protect your emergency fund from inflation, I don't know why you'd sell the IBonds. If you want to maximize you...
by stevewolfe
Fri May 01, 2015 10:54 am
Forum: Investing - Theory, News & General
Topic: Who's Buying I Bonds Now?
Replies: 39
Views: 3191

Re: Who's Buying I Bonds Now?

The Treasury just announced the May-Oct 31 rates. Series I Bonds have a fixed rate of 0.00% and an variable rate of 0.00%. A big fat ZERO!! Who's buying now? Series EE bonds are paying 0.30% for the first 19 years and 11 months, 29 days. Year 20 the bond will be worth twice it's purchase price. We ...
by stevewolfe
Sun Apr 26, 2015 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Which stock fund is the least volatile in bear market?
Replies: 13
Views: 1551

Re: Which stock fund is the least volatile in bear market?

I'm a bit surprised by your surprise that a fund designed to track the market - like the total market fund - would - track the market - both up and down. I think it's futile trying to predict what segment of the market may perform better relative to the rest in the next crisis. Here's why: * 2008 fi...
by stevewolfe
Sun Apr 26, 2015 11:30 am
Forum: Investing - Theory, News & General
Topic: Does anyone use the 50-day or 200-day moving average?
Replies: 12
Views: 1032

Re: Does anyone use the 50-day or 200-day moving average?

No, I don't look at 50 / 100 day averages, Shiller P/E, etc.
by stevewolfe
Fri Apr 24, 2015 12:09 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 249
Views: 26070

Re: What do you drive, and why?

2009 Toyota Corolla bought new in 2008. 121k miles. Reliable, economical, safe enough for me.
2005 Subaru Forester bought new in 2004. 168k miles. Super safe, wife likes it, economical enough.
by stevewolfe
Fri Apr 24, 2015 8:34 am
Forum: Investing - Theory, News & General
Topic: What is a Boglehead?
Replies: 55
Views: 3243

Re: What is a Boglehead?

Cost Matters Period
by stevewolfe
Fri Apr 24, 2015 7:39 am
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 3568

Re: Who still have Cable TV?

Who still have Cable TV? $100 bucks a month. What a waste. We do. Our cable costs us $0.50 cents more per month (e.g., $20.50 all in taxes, fees, etc) than the $20 surcharge would be if we turned it off entirely and kept only the broadband internet service. For that 50 cents a month we get 23 chann...
by stevewolfe
Thu Apr 23, 2015 5:55 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 4390

Re: Age in Bonds Poll

I don't follow age in bonds as it's too much equity for me. I'm 43, wife 41 and we've been 35% stocks - 40% stocks and the rest in fixed income for nearly 20 years. We plan to keep that allocation for the duration. We sleep well at night and just save more. Like Taylor says, there is more than one r...
by stevewolfe
Mon Apr 20, 2015 5:40 pm
Forum: Personal Consumer Issues
Topic: Can SiriusXM Radio damage my credit rating?
Replies: 15
Views: 1326

Re: Can SiriusXM Radio damage my credit rating?

mac_guy wrote:Well, see I never technically "used" the service. I haven't tuned to a satellite station in months.


Irrelevant. Pay your debt.
by stevewolfe
Sun Apr 19, 2015 5:09 pm
Forum: Investing - Theory, News & General
Topic: Active Stock Investing vs. Active Real Estate Investing
Replies: 2
Views: 388

Re: Active Stock Investing vs. Active Real Estate Investing

A friend of mine is landlord on the side. I have observed a good bit of stress in discussions over the years, along with frustration of things outside his control (local code / ordinance changes). Recently he was on a bit of a tirade because a municipality where he owned properties was considering a...
by stevewolfe
Thu Apr 16, 2015 6:34 pm
Forum: Investing - Theory, News & General
Topic: I and EE Bonds - What will the new rate be?
Replies: 18
Views: 2341

Re: I and EE Bonds - What will the new rate be?

Treasury rates have declined over the past six months, so I doubt savings bonds rates will rise. My guess: EE bonds: 0.1% I bonds: 0% +1. This is my thinking as well - effective rate on I at 0% (after correcting since it can't be negative) and EE bonds staying at 0.1%. I hope they don't mess with t...
by stevewolfe
Wed Apr 15, 2015 3:33 pm
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 71
Views: 9000

Re: [retired guy said] terrible crash is coming

riptide wrote:Dr. Ron Paul , politician for many years, and was a possible presidential candidate says a crash is coming similar to 2008 or worse. Anybody know anything about this ??

No and neither does he...
by stevewolfe
Sat Apr 11, 2015 8:15 am
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 6336

Re: How does this site make money?

Also note the Amazon link in the upper right. If you click through to Amazon, a small referral fee is paid back to the site (based on your purchases) to help defray costs.
by stevewolfe
Fri Apr 10, 2015 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Looking at buying bonds - PTRRX, vanguard?
Replies: 2
Views: 337

Re: Looking at buying bonds - PTRRX, vanguard?

Why that fund in particular? What makes you want to consider this change now? It would seem that the stocks are doing the heavy lifting in the portfolio, 10% in cash vs. 2% in cash and 8% in PTRRX isn't going to be that big a difference in total return. At 90% stock possibly long term treasuries wou...
by stevewolfe
Fri Apr 10, 2015 5:27 am
Forum: Investing - Theory, News & General
Topic: Target Retirement 2015 has Bonds = Age - 15%?
Replies: 3
Views: 583

Re: Target Retirement 2015 has Bonds = Age - 15%?

You pick the target fund based on your desired asset allocation (in my opinion) not based on the year in the name closest to your retirement.
by stevewolfe
Wed Apr 08, 2015 7:28 pm
Forum: Investing - Theory, News & General
Topic: "The Real Point of Active Investing"
Replies: 10
Views: 1764

Re: "The Real Point of Active Investing"

Do you agree that using the phrase “The goal of active investing is to outperform the market” is "one-dimensional" thinking? Yes, to some degree. When I started investing in the late 90's I invested in T. Rowe Price Capital Appreciation (PRWCX) and have held this fund ever since. It's the...
by stevewolfe
Wed Apr 08, 2015 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 12442

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

Let me ask you something - have you roamed the corridors of any tech company worth their salt ? How many > 50yr olds do you see ? At 3/4 mega corp IT companies I've been in (all 3 Fortune 500), there is an annual purge of anyone > 50. Come January/Feb there is a letter that HR issues offering 6 mon...
by stevewolfe
Tue Apr 07, 2015 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 12442

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

What would a 50yr old techie guy do in Kansas, Oklahoma or Nebraska ? I confess I don't have the foggiest clue. Never been to those places. 7 years short of your hypothetical techie, and in Pennsylvania instead of Kansas, Oklahoma or Nebraska, but I'll swing the bat nonetheless... I have 21 years e...
by stevewolfe
Sun Mar 29, 2015 11:30 am
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 70
Views: 5629

Re: How many of you invest in individual stocks?

My last individual stock trade was in 1999.
by stevewolfe
Fri Mar 27, 2015 8:02 pm
Forum: Personal Consumer Issues
Topic: New Orleans Destinations
Replies: 21
Views: 1684

Re: New Orleans Destinations

My wife and I enjoyed the Laura Plantation when we visited New Orleans, it's about 50 miles or so up the river road from New Orleans. We also enjoyed the World War II Museum (we were there on Memorial Day). We had a great morning riding the trolley from one end to the other through the garden distri...
by stevewolfe
Fri Mar 27, 2015 5:17 pm
Forum: Investing - Theory, News & General
Topic: Fed to Gradually Increase Interest Rates
Replies: 6
Views: 1005

Re: Fed to Gradually Increase Interest Rates

ncole1 wrote:It's maybe because America is in debt to our eyeballs...


These types of comments will get the thread locked / deleted...
by stevewolfe
Sun Mar 22, 2015 7:01 pm
Forum: Investing - Theory, News & General
Topic: "Small-Cap Indexing: Popularity Can Be a Pain"
Replies: 14
Views: 2417

Re: "Small-Cap Indexing: Popularity Can Be a Pain"

I think the problem is your data range. Start from 1926 and the SCV premium is clearer. See this topic: http://www.bogleheads.org/forum/viewtopic.php?t=9445 Small cap value returns from 1926 to somewhere in the early 80's are, to put it bluntly, hard to believe. There are so many problems with the ...
by stevewolfe
Sun Mar 22, 2015 6:50 pm
Forum: Personal Consumer Issues
Topic: How Do You Watch Television?
Replies: 81
Views: 6844

Re: How Do You Watch Television?

Poll is flawed. Why should we select cable just because we have a $16 per month cable package to save the cable company from raising the cost of our internet service by $20? Why should I cut the cord in that case? Poll needs more realistic options.
by stevewolfe
Sat Mar 21, 2015 12:45 pm
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 137
Views: 19239

Re: Is it time to give-up on TIPS?

Equities will very likely not only keep you from losing money to inflation, they will also make you money over and above the inflation rate. TIPS won't do that. Based on today's real yield curve, but that wasn't the case 10 years ago and I don't know where the real yield curve will be in a year, 5 ...
by stevewolfe
Sun Mar 08, 2015 9:35 am
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 6146

Re: Just cut my cable bill...

We reduced our cable dramatically almost 5 years ago. We have Comcast. We kept the first 23 or so channels, which now cost around $16 a month + internet service. We have Netflix for $7.99 a month, Amazon Prime (I mentally allocate $4 a month to streaming). We tried Sling TV for a week - i like that ...
by stevewolfe
Sun Mar 08, 2015 9:12 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total Stock Market Index Fund (VTSAX)
Replies: 16
Views: 4326

Re: Vanguard Total Stock Market Index Fund (VTSAX)

I'm more so just wanting to know why the Total Stock Market fund is so highly touted. However, since it may be a valuable piece of information, I'm in my late 20's so I have a ultra long-term investing horizon, hence maybe the reason I'm favoring small cap more than the typical investor. Some peopl...
by stevewolfe
Sat Mar 07, 2015 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Wait till June Fed meeting before adding to VBTLX?
Replies: 17
Views: 1356

Re: Wait till June Fed meeting before adding to VBTLX?

Do you need the money in July or soon? If it's a long term investment, just put the money to work. If you have concerns, break it into 6 pieces and invest 1/6 a month or whatever makes sense in your mind. Good luck.
by stevewolfe
Thu Mar 05, 2015 6:00 pm
Forum: Personal Consumer Issues
Topic: Get your ammo before they are gone
Replies: 12
Views: 1491

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 5:49 pm
Forum: Personal Consumer Issues
Topic: Get your ammo before they are gone
Replies: 12
Views: 1491

Re: Get your ammo before they are gone

Why? Just curious.
by stevewolfe
Wed Mar 04, 2015 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 21987

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
Sat Feb 28, 2015 9:13 pm
Forum: Personal Consumer Issues
Topic: Foodsaver use
Replies: 27
Views: 1903

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...

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