Search found 42 matches

by Caboose
Wed Jan 27, 2016 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund v Wellesley in retirement
Replies: 9
Views: 1512

Re: 3 Fund v Wellesley in retirement

Thanks, dbr - I certainly have understood the difference between distribution and total return, and being true to our Boglehead approach, I do use 3 Fund portfolio. I am retiring end of 2016 which brings the inevitable angst of "will I have enough" so my question emerged from whether you c...
by Caboose
Tue Jan 26, 2016 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund v Wellesley in retirement
Replies: 9
Views: 1512

Re: 3 Fund v Wellesley in retirement

Thank you, Tim - this was most helpful.
by Caboose
Tue Jan 26, 2016 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund v Wellesley in retirement
Replies: 9
Views: 1512

3 Fund v Wellesley in retirement

While I understand the concept and advantages of a 3 Fund Portfolio so well described in this Forum, in retirement if trying to live off dividend income, by comparing the dividend/capital gains generated by VTSAX/VTIAX/VBTLX with Wellesley VWIAX and using 2015 Distributions as example, the $/share r...
by Caboose
Fri Sep 25, 2015 5:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 776
Views: 108355

Whistleblower suit against Vanguard

[Thread merged into here, see below (next page). --admin LadyGeek] Ongoing news about the Whistleblower suit for the IRS against Vanguard for potentially $35 billion in back taxes - what does this suit mean for Bogleheads and Vanguard investors? http://www.philly.com/philly/business/More-on-Vanguar...
by Caboose
Fri Aug 21, 2015 6:09 am
Forum: Investing - Help with Personal Investments
Topic: Dividend payment date
Replies: 3
Views: 406

Dividend payment date

Where/how do I find the dates Vanguard funds will pay dividends?

Thank you.
by Caboose
Thu Aug 20, 2015 6:26 am
Forum: Investing - Help with Personal Investments
Topic: Dividend Growth Investing vs Three Fund Portfolio
Replies: 20
Views: 1444

Dividend Growth Investing vs Three Fund Portfolio

Those who use DGI with individual stocks (companies that maintain safe payout ratio and growth rate, grow dividends - i.e. Dividend Aristocrats) claim the advantage is that in a down market while stock value may fall, dividends - and therefore the income used for expenses in retirement - are still p...
by Caboose
Wed Aug 19, 2015 11:22 am
Forum: Investing - Theory, News & General
Topic: Bogle: retirees should focus on dividends
Replies: 157
Views: 16365

Re: Bogle: retirees should focus on dividends

And while on this topic of dividend income, can the Forum clarify for me - those who use Dividend Growth Investing with individual stocks (so-called Aristocrats, etc) claim the advantage is that in a down market while stock value may fall, dividends - and therefore the income - are still paid. Doesn...
by Caboose
Sun Nov 23, 2014 9:08 pm
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 149
Views: 16180

Re: Oatmeal suggestions

Quaker now has a quick cook steel cut product and agree with most that steel cut is best - add oats to boiling water, reduce heat and in five minutes you're to eat. Add whatever you like - it all tastes good!
by Caboose
Sat Mar 01, 2014 2:28 pm
Forum: Personal Consumer Issues
Topic: Purchasing physical gold??
Replies: 45
Views: 5651

Re: Purchasing physical gold??

http://www.coloradogold.com

Don Strott and his team are the best in the business - and enjoy Don's blog when you visit the website
by Caboose
Mon Oct 21, 2013 6:31 pm
Forum: Personal Consumer Issues
Topic: U-Haul Insurance
Replies: 10
Views: 2658

Re: U-Haul Insurance

GET IT! - dirt cheap for excellent coverage.
by Caboose
Tue Jul 23, 2013 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with selecting 401k plan provider
Replies: 8
Views: 2794

Re: Need help with selecting 401k plan provider

Yes - after a very thorough search considering a number of 401k programs and after 3 months of absolute aggravation and frustration dealing with our TPA and with the IRS, we are going to close the 401k and set up a Simple-IRA. As one of our group said, the Simple-IRA is in effect a lite 401k - less ...
by Caboose
Fri Apr 12, 2013 7:41 pm
Forum: Personal Consumer Issues
Topic: One night hotel stay in D.C.
Replies: 42
Views: 3140

Re: One night hotel stay in D.C.

Sounds like you settled on the hotel - IMO the best in DC is The Jefferson . For lunch try Art and Soul - excellent food/service with a Southern flair. The one absolute MUST SEE is The Library of Congress - The Jefferson Building. Absolutely amazing architecture and exhibits. Do not miss it! Have a ...
by Caboose
Fri Mar 22, 2013 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in a new boiler - Energy Kinetics or Bosch
Replies: 0
Views: 192

Investing in a new boiler - Energy Kinetics or Bosch

Need to replace existing oil - fired boiler at our house which provides hot water for radiant heat and separately for bath/laundry/dishes. Considering either Energy Kinetics High Efficiency boiler with hot water tank or Bosch on-demand unit. Both would run on propane. Any advice appreciated. Thank y...
by Caboose
Tue Feb 12, 2013 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Need help with selecting 401k plan provider
Replies: 8
Views: 2794

Re: Need help with selecting 401k plan provider

Thank you - I will provide an update to once I have completed my review of the plans we are considering.
by Caboose
Sat Feb 09, 2013 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with selecting 401k plan provider
Replies: 8
Views: 2794

Re: Need help with selecting 401k plan provider

Thank you, fcirullo . I am in the process of gathering the info on each plan - most of which I can get from their websites, but I want to talk with each one to get some feel for their customer service/responsiveness. So far, I've spoken with EF and with Sharebuilder. I must say the rep at SB has bee...
by Caboose
Thu Feb 07, 2013 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Need help with selecting 401k plan provider
Replies: 8
Views: 2794

Need help with selecting 401k plan provider

Planning conversion of existing 401k from MorganStanley/Hartford/3rd party TPA to a new plan with less cost/less administrative hassles/better fund selection. Have looked at Employee Fiduciary and Costco/Online 401K and reviewed previous threads about these two plans - both are favorable but am cons...
by Caboose
Fri Jan 25, 2013 5:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor
Replies: 81
Views: 5466

Re: Happy Birthday Taylor

Happy birthday, Taylor - and may you have 100 more happy ones!

Your wisdom and insight into what being a Boglehead is all about benefit us all every day. Thank you and God bless.

Caboose
by Caboose
Tue Nov 27, 2012 8:17 pm
Forum: Personal Consumer Issues
Topic: Winter Boots
Replies: 27
Views: 3542

Re: Winter Boots

http://www.bogsfootwear.com

BOGS are absolutely comfortable, waterproof, warm and have both slip on and lace up styles - don't go out in the snow without them!
by Caboose
Fri Nov 16, 2012 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Bond Fund
Replies: 7
Views: 1136

Tax Exempt Bond Fund

To maintain my AA, I now need to add a Tax-Exempt Bond Fund to my taxable account. Since I live in Maryland, would it be better choice to use TRowePrice Maryland Tax-Free Bond Fund MDXBX (Vanguard does not have a Maryland fund) or use Vanguard Intermediate Term Tax-Exempt Bond Fund VWITX? Purchase o...
by Caboose
Sun Aug 05, 2012 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: traveling with credit card
Replies: 25
Views: 1736

Re: traveling with credit card

Thank you all - I checked AMEX online and their response says you do not need to contact them. Have sent inquiry to Chase VISA via secure email on their website, but not heard back yet.
by Caboose
Sun Aug 05, 2012 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: traveling with credit card
Replies: 25
Views: 1736

traveling with credit card

When traveling, do BH tell their credit card company so they will be aware of charges being made in a location different from where the card most often is used (i.e. home town)?
by Caboose
Thu Jul 12, 2012 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads buy nice suits?
Replies: 87
Views: 7987

Re: Do Bogleheads buy nice suits?

Absolutely! There are those of us who still go to work in a coat and tie everyday. The key is to have a good tailor and once found, suggest you keep him on your Xmas card list - regardless of cost, if the fit isn't correct, the price won't make how you look any better. I am still wearing several Jos...
by Caboose
Thu May 31, 2012 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: best funds for taxable account for high tax bracket
Replies: 7
Views: 1006

Re: best funds for taxable account for high tax bracket

Thank you all -Grabiner reply here and in similar posts especially helpful. I don't mind the rebalancing but want to keep it simple, so plan to use TSM and TaxManaged International for stocks - for bonds, will use TaxManaged Intermediate and ? TaxManaged Limited.
by Caboose
Sun May 27, 2012 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: best funds for taxable account for high tax bracket
Replies: 7
Views: 1006

best funds for taxable account for high tax bracket

My situation is 5 years until retirement, tax bracket 31%, AA of 40-45 equity/60-55 bond and all tax-deferred space is full using Target Retirement 2010 and Wellesley. For my taxable account, what does forum think of maintaining same AA using Tax-Managed Capital Appreciation, Tax-Managed Internation...
by Caboose
Sun Jan 22, 2012 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Retire in 5 years - need help
Replies: 8
Views: 1390

Re: Retire in 5 years - need help

Thank you all - very helpful comments.
by Caboose
Sat Jan 21, 2012 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Retire in 5 years - need help
Replies: 8
Views: 1390

Retire in 5 years - need help

Plan to retire in 5 years - working now and have been able to cut back to 4 days/week. Primary concern is to keep what I have and have become much more conservative with that goal in mind, changing my AA from 60/40 equities/bonds to 40/60, which is what I'm comfortable with. Currently using a slice/...
by Caboose
Thu Jan 12, 2012 6:37 pm
Forum: Personal Consumer Issues
Topic: Coffee
Replies: 64
Views: 6887

Re: Coffee

Best is www.stumptowncoffee.com in Portland, Oregon - be sure to try their "Hairbender"blend - smooth as silk and no bitter aftertaste

Next is www.gorillacoffee.com in Brooklyn
by Caboose
Sat Dec 17, 2011 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Need help with current fund holdings
Replies: 7
Views: 416

Need help with current fund holdings

I want to simplify my rebalancing process by reducing the number of funds I currently have in tax-advantage acct, which are Total Stock Index Total Intl Stock Index REIT Index Emerging Mkts Index Intmd Bond Index TIPS Index my ? is does Total Stock contain REITs and does Total Intl Stock contain Eme...
by Caboose
Mon Nov 21, 2011 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Emerging Markets
Replies: 25
Views: 1846

Re: Sell Emerging Markets

Newsletter is their weekly commentary and is free from their website http://www.guildinvestment.com Reason given is as follows German Chancellor Merkel has a new plan to reduce sovereignty for certain European nations. This will be a long involved political process and the fight over its implementat...
by Caboose
Mon Nov 21, 2011 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Emerging Markets
Replies: 25
Views: 1846

Sell Emerging Markets

Monty Guild of Guild Investments says in today's newsletter because of the evolving mess in Europe, they advise selling Emerging Market and U.S. equities - as recently as last week, he advised to continue buying both, along with his continuing long on gold, oil, and currencies. I'm interested what t...
by Caboose
Wed Nov 09, 2011 7:10 pm
Forum: Personal Consumer Issues
Topic: Gas Boiler
Replies: 7
Views: 921

Re: Gas Boiler

Be sure to look at EnergyKinetics high efficiency boiler - not certain of current price, but they are very efficient so burn less fuel and much quieter when running than most boilers.
by Caboose
Thu Apr 07, 2011 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Slice/dice vs few index funds
Replies: 20
Views: 3094

Thank you all for your time and input - listening to the insight and wisdom you have provided is exactly why I posed my question. I realize I will be most comfortable with a Core 3 portfolio with the REIT and TIPS funds added.
by Caboose
Tue Apr 05, 2011 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Slice/dice vs few index funds
Replies: 20
Views: 3094

Slice/dice vs few index funds

I am interested in Forums thoughts/advice for using slice and dice mix (10-12 various cap/value/REIT/intl/intmd bond & TIPS index funds) vs a lazy portfolio of 3 or 4 total index funds? Am new to Vanguard (don't I wish I'd found it sooner) and am starting to transition my portfolio from broker t...
by Caboose
Mon Apr 04, 2011 5:51 am
Forum: Investing - Help with Personal Investments
Topic: International index choice
Replies: 3
Views: 709

Thank you. I'll stay with VGTSX.
by Caboose
Sun Apr 03, 2011 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: International index choice
Replies: 3
Views: 709

International index choice

I'm setting up a lazy portfolio - either 3 or 4 funds. I see that Coffeehouse and Margarita use VGTSX while Rick Ferri uses VFWIX. Is there a particular advantage of one over the other for such a portfolio?
Thank you.
by Caboose
Sun Apr 03, 2011 10:11 am
Forum: Investing - Help with Personal Investments
Topic: CD vs TBM/TIPS
Replies: 4
Views: 1037

Thank you - I think the mix of CD ladder and TIPS/TBM should be a good fit. My being 60 and not 30 deserves the more conservative approach.
by Caboose
Sat Apr 02, 2011 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: CD vs TBM/TIPS
Replies: 4
Views: 1037

CD vs TBM/TIPS

For 60/40 portfolio allocation with 7 years to retirement, is there any advantage for the 40% fixed to be invested as CD ladder vs VBMFX/VIPSX.
Thank you.
by Caboose
Sat Mar 19, 2011 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond holdings
Replies: 10
Views: 1970

Yes, I meant VGTSX - and will stay with that fund.

Camper, do you you advise switching to Admiral shares when the balance for each fund reaches $10,000? I assume the $10,000 minimum is for each fund and not total balance of the whole portfolio - is that correct?
by Caboose
Sat Mar 19, 2011 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond holdings
Replies: 10
Views: 1970

Thank you, Nisiprius - very helpful info, and satifies me that I do not need junk bonds in my portfolio, but will add TIPS.

My plan is 60/40 as follows

Stocks - 60%
VTSMX 34%
VGSTX 16%
VGSIX 10%

Bonds - 40%
VBMFX 20%
VIPSX 20%
by Caboose
Fri Mar 18, 2011 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond holdings
Replies: 10
Views: 1970

Thnk you, Camper - will do.
by Caboose
Fri Mar 18, 2011 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond holdings
Replies: 10
Views: 1970

Total Bond holdings

Does Total Bond Index include TIPS and junk bonds in its portfolio? If not, should I add these two funds to my portfolio (40% bonds) in addition to Total Bond, which currently is my only bond fund?
Thank you.

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