Search found 2371 matches

by Munir
Thu Feb 15, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Used car - warranty or no?
Replies: 24
Views: 873

Re: Used car - warranty or no?

Excuse my ignorance but what is the difference between a warranty and CPO?
by Munir
Thu Feb 15, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra- Used car
Replies: 3
Views: 258

Hyundai Elantra- Used car

I am considering buying a used Hyundai Elantra sedan (2013-2017 ?) for my 16 year old granddaughter but am not sure which year model is preferred. For safety, I want a rear view camera included. Any opinions?
by Munir
Thu Feb 08, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond
Replies: 10
Views: 1256

Re: Total Bond

Corporate bonds, emerging market, and long term bonds might return more but the mantra is to not take your risk on the bond side. There are different degrees of risk. Comparing taking risk in equity investments to corporate bond investment is ridiculous. A moderate ownership of quality corporate bo...
by Munir
Mon Feb 05, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 46539

Re: Today was a Really Bad Day

triceratop wrote:
Mon Feb 05, 2018 4:34 pm
RBDs always remind me of: But you ain't bonafide!
+++. Hit the spot.
by Munir
Thu Feb 01, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: WSJ: Advisers at Schwab, Fidelity, and TD Pushing Products
Replies: 12
Views: 1432

Re: WSJ: Advisers at Schwab, Fidelity, and TD Pushing Products

...Even Bogleheads do not give impartial advice... No, but the bias is right there in the banner, and with me and most of us the source of bias is ego rather than personal profit. There are obvious systematic institutional biases. What is probably worse than brand bias is just the "tool bias." Mutu...
by Munir
Thu Feb 01, 2018 12:09 am
Forum: Investing - Help with Personal Investments
Topic: When are taxes due on money moved from traditional IRA to Roth?
Replies: 6
Views: 727

Re: When are taxes due on money moved from traditional IRA to Roth?

Thank you for the two informed responses. They are appreciated.
by Munir
Wed Jan 31, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Active Bond Funds No Better
Replies: 6
Views: 1130

Re: Larry Swedroe: Active Bond Funds No Better

Would Larry's (or the study's author's) definition of active bond funds include Vanguard funds such Intermediate Investment Grade (VFIDX) and the Core Bond Fund (VCOBX)? I wonder how they compare with their passive index counterparts.
by Munir
Wed Jan 31, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: When are taxes due on money moved from traditional IRA to Roth?
Replies: 6
Views: 727

Re: When are taxes due on money moved from traditional IRA to Roth?

As a general rule, and unless there are extenuating circumstances, is there an advantage tax-wise to do such conversions in December?
by Munir
Mon Jan 29, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's advice on bond portion of portfolio
Replies: 42
Views: 5890

Re: Vanguard's advice on bond portion of portfolio

First post :D It was recently suggested by a Vanguard rep to hold this allocation within the bond portion of my portfolio: Short Term VFSUX 14% Intermediate Term VFIDX 21% Total Bond VBTLX 35% International Bond 30% (I've not included the majority portion of the portfolio which is domestic/internat...
by Munir
Mon Jan 29, 2018 1:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's advice on bond portion of portfolio
Replies: 42
Views: 5890

Re: Vanguard's advice on bond portion of portfolio

After digging into the calculations more, I believe they add VFSUX and VFIDX allocations because they feel VFIDX is too heavy on long-term maturities ~39% +10 years (of which 31.8% is +20 years). Interest rate risk... so they have to add shorter durations through the other two funds to get to their...
by Munir
Thu Jan 18, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: To the doctors on the forum
Replies: 88
Views: 5368

Re: To the doctors on the forum

Why would the doctor's office know how much an MRI costs? When you go to McDonalds do they know how much your accountant bills you for? It ISN"T the doctor's office billing for the MRI it is the MRI centers doing the billing. Why not ask the individual MRI centers what their billing is? OF course, ...
by Munir
Thu Jan 18, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Bullied Me
Replies: 32
Views: 4851

Re: Vanguard Advisor Bullied Me

Beatnik wrote:
Thu Jan 18, 2018 11:16 am
Yes I'm 17 and it was inheritance.
Thank you for sharing these facts, and I apologize for the harsh tone of my previous comment. You are receiving good advice from others on this forum.
by Munir
Wed Jan 17, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Bullied Me
Replies: 32
Views: 4851

Re: Vanguard Advisor Bullied Me

The OP's story has big holes in it. You don't get assigned to advisors without you requesting or approving an advisor. I thought you get one advisor and not many. I never heard of monthly goals. Advisors cannot "close" funds for your use. With due respect, I think you have not educated yourself abou...
by Munir
Sat Jan 13, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: question about VBTLX
Replies: 27
Views: 1733

Re: question about VBTLX

Also, contrary to popular commentary here, just because the "consensus" is 3 or 4 hikes, that does not mean the number of hikes that actually will occur are "priced in." There are probabilistic and time elements here that are not considered. What elements are you talking about? Just because somethi...
by Munir
Thu Jan 11, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 5725

Re: 100% VTSAX??

PFInterest wrote:
Thu Jan 11, 2018 8:56 pm
bikechuck wrote:
Thu Jan 11, 2018 8:54 pm
What in heaven's name is VTSAX?
Google
Common courtesy on this forum recommends the use of the full name of a fund at the start of a thread. Rude responses are not recommended.
by Munir
Wed Jan 10, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: WSJ: Discount Brokers Win Bonuses to Push Costlier Products
Replies: 38
Views: 3280

Re: WSJ: Discount Brokers Win Bonuses to Push Costlier Products

This was from the internet version. It is interesting that among the comments on the article, many were defensive and one or two said Vanguard, Vanguard, Vanguard!
by Munir
Wed Jan 10, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: WSJ: Discount Brokers Win Bonuses to Push Costlier Products
Replies: 38
Views: 3280

WSJ: Discount Brokers Win Bonuses to Push Costlier Products

https://www.wsj.com/articles/advisers-at-leading-discount-brokers-win-bonuses-to-push-higher-priced-products-1515604130 "At Fidelity, Schwab and TD Ameritrade, employees win extra pay or other incentives to put clients in products that are more lucrative for them, and the firm. Customers may end up ...
by Munir
Wed Jan 10, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: Which Intermediate Bond Fund Will Perform Best With Rising Rates
Replies: 13
Views: 1878

Re: Which Intermediate Bond Fund Will Perform Best With Rising Rates

Forgot one fund to above one-day performance list on 1/9/18:

Inter-Term Corp Bnd Ix Ad $23.41 –$0.07 –0.30%
by Munir
Wed Jan 10, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Which Intermediate Bond Fund Will Perform Best With Rising Rates
Replies: 13
Views: 1878

Re: Which Intermediate Bond Fund Will Perform Best With Rising Rates

One-day performance results for 1/9/18 (for what they're worth): Inter-Term Treasury Adm $11.00 –$0.02 –0.18% Inter-Term Bond Index Adm $11.28 –$0.03 –0.27% IT Treasury Index Admiral $21.46 –$0.06 –0.28% Core Bond Fund Admiral $19.83 –$0.06 –0.30% Inter-Term Invest-Gr Adm $9.69 –$0.03 –0.31% Total B...
by Munir
Tue Jan 09, 2018 6:11 pm
Forum: Investing - Theory, News & General
Topic: Which Intermediate Bond Fund Will Perform Best With Rising Rates
Replies: 13
Views: 1878

Re: Which Intermediate Bond Fund Will Perform Best With Rising Rates

There's a paradox: IF you really believed it were possible to predict interest rate changes, then you would HAVE to conclude that you should never do so. Because actively managed bond funds have access to far better information than you and teams of far better-trained people than you. So if you bel...
by Munir
Tue Jan 09, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: Which Intermediate Bond Fund Will Perform Best With Rising Rates
Replies: 13
Views: 1878

Which Intermediate Bond Fund Will Perform Best With Rising Rates

With the 10 year Treasury Rate rising today, it would be interesting to see how the various Vanguard Intermediate Bond funds will respond. Will this be a meaningful comparison to try and predict how these funds will behave in a continuing rising rates environment or is it a meaningless one-day resul...
by Munir
Mon Jan 08, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Corporate bonds vs. Treasuries
Replies: 52
Views: 4487

Re: Corporate bonds vs. Treasuries

Very interesting post. One more point to add. If you have an equity dominated portfolio, say 90/10, 80/20, 75/25, a case can be made for a very high or even 100% allocation to Treasuries in the bond portfolio. In that case you have considerable equity risk and also considerable upside appreciation ...
by Munir
Tue Jan 02, 2018 5:05 pm
Forum: Investing - Theory, News & General
Topic: Bond Returns in 2017
Replies: 16
Views: 1643

Re: Bond Returns in 2017

The 2017 one year total return for some Intermediate Vanguard bond funds (per Vanguard) are: Intermediate Investment Grade ( VFIDX) 4.26% Core Bond Fund (VCOBX) 3.89% Intermediate Term Bond Index (VBILX) 3.85% Total Bond Market Index (VBTLX) 3.56%
by Munir
Sun Dec 31, 2017 1:28 am
Forum: Personal Consumer Issues
Topic: Crater Lake trip from Bay area in June
Replies: 21
Views: 1459

Re: Crater Lake trip from Bay area in June

For WIW, we had relatives from NY visiting us when we lived in K Falls on July 4 in late sixties and of course we took them to Crater Lake where we were met by a snow storm- yes, on July 4. But it is uncommon in July/August.
by Munir
Tue Dec 26, 2017 2:38 pm
Forum: Investing - Theory, News & General
Topic: "The Bond Experiment: Return to VBTLX (Vanguard Total Bond Market)"
Replies: 34
Views: 5423

Re: "The Bond Experiment: Return to VBTLX (Vanguard Total Bond Market)"

The degree of belief bordering on religious zeal in VBTLX and only VBTLX that some BH members have stretches the limit of reason. As Taylor tells us, "there is more than one road to Dublin". According to Morningstar VFIDX might get you to Dublin faster than VBTLX but you risk an occasional slide in...
by Munir
Tue Dec 26, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51138

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

I am repeating a question that I had posed earlier to which I received only one opinion and am hoping for more replies: Is it correct that you can deduct tax-preparation fees for 2018 if you prepay them in 2017? I am referring to personal tax returns and the fees would be those paid to my CPA (who i...
by Munir
Mon Dec 25, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51138

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

Is it correct that you can deduct tax-preparation fees for 2018 if you prepay them in 2017? I don't think so. No service has been rendered. No expense has been incurred. I respect your opinion, but there was a column a couple of days ago in the WSJ advising pre-paying your 2018 tax preparation fees...
by Munir
Mon Dec 25, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51138

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

Is it correct that you can deduct tax-preparation fees for 2018 if you prepay them in 2017? I don't think so. No service has been rendered. No expense has been incurred. I respect your opinion, but there was a column a couple of days ago in the WSJ advising pre-paying your 2018 tax preparation fees...
by Munir
Mon Dec 25, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51138

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

Is it correct that you can deduct tax-preparation fees for 2018 if you prepay them in 2017?
by Munir
Sun Dec 24, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: "The Bond Experiment: Return to VBTLX (Vanguard Total Bond Market)"
Replies: 34
Views: 5423

Re: "The Bond Experiment: Return to VBTLX (Vanguard Total Bond Market)"

Vanguard Total Bond has done a nice job. It is the largest bond fund on the planet and for reason. We will continue to sleep well at night. abuss368, Being the largest bond fund on earth does not mean it is the appropriate fund for everyone. Your comment also seems dismissive of any discussions of ...
by Munir
Sat Dec 23, 2017 1:57 am
Forum: Investing - Theory, News & General
Topic: "The Bond Experiment: Return to VBTLX (Vanguard Total Bond Market)"
Replies: 34
Views: 5423

Re: "The Bond Experiment: Return to VBTLX (Vanguard Total Bond Market)"

Thank you, saltycaper & jhfenton for your explanations. DBR: I am 60% in bond funds (70% FI) and nitpicking about getting every possible penny from my bond funds :happy .
by Munir
Fri Dec 22, 2017 1:09 am
Forum: Investing - Theory, News & General
Topic: "The Bond Experiment: Return to VBTLX (Vanguard Total Bond Market)"
Replies: 34
Views: 5423

Re: "The Bond Experiment: Return to VBTLX (Vanguard Total Bond Market)"

I can understand the simplicity of a single bond fund, be it Total Bond or Intermediate Bond (roughly 50/50 treasuries and credit). I don't understand the logic behind mixing Total Bond and and Intermediate Bond or Intermediate Investment Grade (except in the case where you have 401(k) restrictions...
by Munir
Thu Dec 21, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51138

Re: Tax Bill Omnibus Thread

New tax bill: 529 Accounts- not just for College Savings anymore? Can one fund elementary & high school education with them?
by Munir
Thu Dec 21, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51138

Re: Tax Bill Omnibus Thread

The issue of the tax-deductibility of 529 distributions for secondary/ primary schools' education has gone back and forth that I am unable to find the ending conclusion to it. Is it a yea or nay?
by Munir
Thu Dec 21, 2017 5:07 pm
Forum: Investing - Theory, News & General
Topic: "The Bond Experiment: Return to VBTLX (Vanguard Total Bond Market)"
Replies: 34
Views: 5423

Re: "The Bond Experiment: Return to VBTLX (Vanguard Total Bond Market)"

I am not convinced by J.L.'s arguments. I agree that VFIDX should not be the sole bond holding but neither should VBTLX. I think they complement each other and one can improve the total performance numbers of VBTLX by adding VFIDX to the bond portfolio. The % to add is up the the level of comfort of...
by Munir
Wed Dec 20, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do We Have to Wait Until Trump Signs the Bill Before We Can Discuss It?
Replies: 44
Views: 2776

Re: Do We Have to Wait Until Trump Signs the Bill Before We Can Discuss It?

HueyLD wrote:
Wed Dec 20, 2017 12:14 pm
The forum owners have very explicit rules. When one is a guest of someone else, one needs to follow the hosts’ rules.

You can always go elsewhere if you want to discuss now.
One can disagree without being disagreeable.
by Munir
Tue Dec 19, 2017 5:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265972

Re: U.S. stocks in freefall

Rebalance what into what? Both equities and bonds are tanking, aren't they?
by Munir
Tue Dec 19, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: IRA RMD
Replies: 8
Views: 1000

Re: IRA RMD

Your first RMD is due any time during the year you turn 70.5. For the first year only, the deadline is April 1 of the following year. If 2017 is your first year, you can take any part of the RMD at any time in 2017 and up to 4/1/18. However, your second RMD must be taken before 12/31/18. If you def...
by Munir
Tue Dec 19, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: IRA RMD
Replies: 8
Views: 1000

Re: IRA RMD

Turned 70 1/2 in 2017. Can partial RMD be made in 2017 and balance of RMD be taken in 2018 for 2017? In my inexpert opinion, and if my memory is correct, you need to take your first RMD the year you turn 70 1/2 in April. If you defer taking it out that year, you will need to take out two RMDs the y...
by Munir
Sat Dec 16, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard VBMFX/VBTLX Bond Fund performance
Replies: 18
Views: 3016

Re: Vanguard VBMFX/VBTLX Bond Fund performance

Is there a reason that neither of you use the M* "Funds compare" chart or the M* chart/graph comparing these funds in question? Yes, the total return chart has end point problems and it's hard to get a visual assessment of shorter term variations because they are just wiggles on the curve. The endi...
by Munir
Thu Dec 14, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard VBMFX/VBTLX Bond Fund performance
Replies: 18
Views: 3016

Re: Vanguard VBMFX/VBTLX Bond Fund performance

Is there a reason that neither of you use the M* "Funds compare" chart or the M* chart/graph comparing these funds in question?
by Munir
Tue Dec 12, 2017 2:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard VBMFX/VBTLX Bond Fund performance
Replies: 18
Views: 3016

Re: Vanguard VBMFX/VBTLX Bond Fund performance

They list VBTLX in the category of intermediate bond funds, but that's not really what it is. It's a total bond market fund that averages out to intermediate-term. Historically, it's tended to underperform pure intermediate funds. On the other hand, it also tends to have lower Stdev, so on a risk-a...
by Munir
Mon Dec 11, 2017 6:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard VBMFX/VBTLX Bond Fund performance
Replies: 18
Views: 3016

Re: Vanguard VBMFX/VBTLX Bond Fund performance

Use the M* Compare Funds chart, http://screen.morningstar.com/Compare/Fund/FundCompare.html, and under "performance" compare VBTLX to VFIDX (Intermediate Investment Grade), VBILX (Intermediate Bonds Index Fund), and VCOBX (Vanguard Core Bond Fund)- all intermediate Vanguard bond funds. Or use one of...
by Munir
Sun Dec 10, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2075
Views: 1261417

Re: The Three-Fund Portfolio

Taylor, thank you for the explanation.
by Munir
Sun Dec 10, 2017 2:05 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2075
Views: 1261417

Re: The Three-Fund Portfolio

Taylor, over the years, in your three fund portfolio, have you adjusted your stock/bond allocation using some rule of thumb such as age in bonds? Thanks, Jim Jim: The money I cannot afford to lose is in diversified, reasonably safe, Vanguard Total Bond Market Index Fund and cash in the bank. My exa...
by Munir
Fri Dec 08, 2017 2:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 7249

Re: Vanguard customer service reps need some training

A lot of people on this Forum complain about Vanguard in one way or another. There is a simple way for those dissatisfied with Vanguard to fix this problem. Move your assets to another firm. I wish good luck to those who choose to do this. Garland Whizzer I think there is a place for constructive c...
by Munir
Sun Dec 03, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Corporate Bond ETF (VTC)
Replies: 18
Views: 2783

Re: Vanguard Total Corporate Bond ETF (VTC)

If one does not use ETFs, the Intermediate Investment Grade Fund (VFIDX) has nearly 70% corporates with a duration of only 5.5 years. It has a superior total return than other Vanguard intermediate bond funds with a vanguard risk rating of only 2. It is useful to increase one's ownership of corporat...
by Munir
Sat Dec 02, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 7249

Re: Vanguard customer service reps need some training

A lot of people on this Forum complain about Vanguard in one way or another. There is a simple way for those dissatisfied with Vanguard to fix this problem. Move your assets to another firm. I wish good luck to those who choose to do this. Garland Whizzer I think there is a place for constructive c...
by Munir
Thu Nov 30, 2017 2:05 am
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 142
Views: 14099

Re: Bonds Are Riskier Than People Think

If one gets worried about the transient dips in bond funds (much smaller than stock funds), then one should not be in them. If one is anxious about driving on freeways, then drive on less congested country roads (which I assume are safer).