Search found 2394 matches

by Munir
Fri Apr 13, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: 529--Can you change plan-holder?
Replies: 6
Views: 436

Re: 529--Can you change plan-holder?

You should be able to easily transfer ownership of a 529 (where you are the owner and the granddaughter the beneficiary) to your daughter (the mother of the beneficiary). Check with the administrators of the plan for the details. A friend of mine just did that. According to literature I've read, it ...
by Munir
Tue Apr 10, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: VSCGX (L.S.Growth) vs. VTSVX (TR 2015)- Compare
Replies: 2
Views: 279

VSCGX (L.S.Growth) vs. VTSVX (TR 2015)- Compare

Comparison of VSCGX (LifeStrategy Conservative Growth Fund) and VTXVX (Target Retirement 2015 Fund) as a sole holding for a Traditional IRA of a retiree in the distribution phase show many similarities and just a couple of differences. The VSCGX has a slightly longer duration (6.3 vs. 5.85) and a cr...
by Munir
Sat Apr 07, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 37
Views: 3050

Re: Vanguard Customer Service

MO MAN wrote:
Fri Apr 06, 2018 1:49 pm
I have been with Vanguard almost a year, with many transfers and piles of paperwork. Everyone has been very professional and extremely helpful. Never had a bad call yet. Strange to hear you guys are having trouble.
Been with Vanguard for decades and never had any phone wait periods (Flagship).
by Munir
Sat Apr 07, 2018 8:28 am
Forum: Investing - Theory, News & General
Topic: WSJ article on Vanguard snafoos - Should Bogleheads.org get involved?
Replies: 23
Views: 3086

Re: WSJ article on Vanguard snafoos - Should Boglehead.org get involved?

There have been extensive discussions of this article on our forum and many of us are critical of the article's methodology and conclusions. I assume Vanguard is well-aware of these discussions and don't need us looking over their shoulder telling them what to do. However, it would be helpful to see...
by Munir
Fri Apr 06, 2018 11:06 am
Forum: Forum Issues and Administration
Topic: New Board Index Topic - Retirement Planning
Replies: 51
Views: 6635

More Attention To Retirees' Portfolios

[Thread merged into here, see below. --admin LadyGeek] I am disappointed that most of the threads and discussions on this forum relate primarily to those investors in the accumulation phase. Comments center more on the 60/40 or 100/0 allocations and everything in between. Retirees with less that 40...
by Munir
Fri Apr 06, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 14891

Re: Swedroe: Look Beyond 60/40 Portfolio

I am disappointed that most of the threads and discussions on this forum relate primarily to those investors in the accumulation phase. Comments center more on the 60/40 or 100/0 allocations and everything in between. Retirees with less that 40% equity holdings get short shrift and usually are menti...
by Munir
Mon Apr 02, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 37
Views: 3050

Re: Vanguard Customer Service

I meant Flagship not Admiral; I had a question about IRS Form 5500 which refers to a form that has to filed for self-retirement accounts. And yes I was sent to a flagship rep. My personal rep is utterly incompetent and his supervisor is even worse. (I didn't deal with my personal rep on this matter...
by Munir
Mon Apr 02, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 37
Views: 3050

Re: Vanguard Customer Service

oner wrote:
Mon Apr 02, 2018 7:45 pm
Yes there are separate numbers but unfortunately you get sent to your rep (at least if you're an Admiral member).
Can you tell us in general terms what kind of question you are asking while maintaining confidentiality?
by Munir
Mon Apr 02, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 37
Views: 3050

Re: Vanguard Customer Service

Doesn't the retirement department have a separate phone line listed on their web site that you can call directly? They provide different phone numbers depending on your age. https://investor.vanguard.com/investing/advice-guidance. Excuse my ignorance if you have already done that.
by Munir
Sun Apr 01, 2018 6:17 am
Forum: Investing - Help with Personal Investments
Topic: Customer Service with Vanguard
Replies: 50
Views: 4376

Re: Customer Service with Vanguard

I have been with Vanguard for over 30 years and will stay with it till I die. There will always be some people who have legitimate problems with any organization and some people who are chronic complainers and never happy. It would be informative to see some hard data instead of just anecdotal compl...
by Munir
Fri Mar 30, 2018 1:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard in the WSJ today
Replies: 57
Views: 7621

Re: Vanguard in the WSJ today

conspiracy to drag down vanguard and shift business away from them??? Gripes about Vanguard's interface and customer service are well-known on this forum. Could it be that those who post are mostly the individuals who have had a bad experience? It does not tell us anything about the statistics for ...
by Munir
Fri Mar 30, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Medicare - now or later?
Replies: 20
Views: 1610

Re: Applying for Medicare - now or later?

The conventional wisdom a number of years ago was that it was strongly advised that you sign up for both parts when you reach 65- especially part B. It becomes more expensive to sign up for part B later on for the rest of your life. I suggest you call your local Social Security office, or visit them...
by Munir
Thu Mar 29, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard in the WSJ today
Replies: 57
Views: 7621

Re: Vanguard in the WSJ today

Many,if not most, of the comments at the end of the article praise Vanguard and consider the number of complaints relative to the total number of Vanguard clients and the total amount of $ Vanguard holds all to be minimal. Tempest in a teacup. The article has been on the front page of today's WSJ di...
by Munir
Thu Mar 22, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation %
Replies: 13
Views: 1224

Re: Asset allocation %

Unless 20% or more of stocks are international, you're probably better off sticking with an all US stock portfolio. Why? Think cost/benefit. The benefit is that more asset classes you have the more you can fine tune your plan. The cost is greater complex your plan is. Complex costs time and is aski...
by Munir
Thu Mar 22, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation %
Replies: 13
Views: 1224

Re: Asset allocation %

UpperNwGuy wrote:
Thu Mar 22, 2018 7:26 am
Unless 20% or more of stocks are international, you're probably better off sticking with an all US stock portfolio.
Why?
by Munir
Thu Mar 22, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21770

Re: Anyone Deleting Facebook?

I use it to keep track of my children and grandchildren's activities and photos.
by Munir
Thu Mar 15, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 987914

Re: What Movie Have You Recently Watched?

"Lady Bird" was somewhat entertaining but when it was over, we asked ourselves what was that about? Again, just like the "Billboard ...." film I felt it was over-hyped. Maybe I'm getting too old and cynical. The Churchill film, "Darkest Hour" on Netflix, was very well-done and lived up to its good r...
by Munir
Thu Mar 15, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 987914

Re: What Movie Have You Recently Watched?

We recently saw the best movie of the year...Three Billboards outside Ebbing Missouri. Frances McDormand (oscar winner 20 years ago for fargo) is wonderful as the grieving,driven, crazed mother of a teenage daughter who had been raped and murdered in this small town. Buys space on billboards when p...
by Munir
Wed Mar 14, 2018 1:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 134
Views: 38749

Re: Master Thread for Portland, Oregon

pdxbogleheads wrote:
Mon Mar 12, 2018 4:57 pm
Reminder of meeting tomorrow (info above).
How did the meeting go? Can someone provide a concise summary of what was discussed and how many people usually attend? Thanks.
by Munir
Mon Mar 12, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 59
Views: 4425

Re: Men's Cologne

Old Spice (Classic) Aftershave. Have used it since I started shaving about 60 years ago.
by Munir
Sat Mar 03, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Active Fails In Fixed Income
Replies: 25
Views: 2816

Re: Larry Swedroe: Active Fails In Fixed Income

The Vanguard Tax-Exempt "active" funds are hard to really describe as active, as they have miniscule turnover, sometimes lower even than the Muni Index, and they have twice as many holdings. At most, by their behavior, they do a bit of yield curve positioning, but are still closet index funds. How ...
by Munir
Tue Feb 27, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 60
Views: 8756

Re: "Bogleheads.org" by Kristine Hayes"

Using abbreviations and acronyms sometimes becomes a sign of being part of the "in crowd". There is an element of arrogance and showing off just like a kid learning how to ride a bike and saying "Look Ma- no hands".
by Munir
Mon Feb 26, 2018 1:11 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market [how to allocate bond portion of AA]
Replies: 23
Views: 2844

Re: Total Bond Market [how to allocate bond portion of AA]

Hello all. I am newly registered and this is my first post. I got rid of my FA about 3 years ago, and wish I would have done it much earlier. I have read many books including most all of William Bernstein's, and I am a fan of this site. Thank you to all of you that contribute to this site, because ...
by Munir
Thu Feb 15, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Used car - warranty or no?
Replies: 24
Views: 960

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: 280

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: 1318

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: 47240

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: 1487

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: 751

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: 1183

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: 751

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: 6272

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: 6272

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: 5516

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: 4895

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: 4895

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: 1931

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: 6037

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: 3369

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: 3369

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: 1925

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: 1925

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: 1925

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: 1925

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: 4807

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: 1726

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: 1536

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: 5788

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: 54312

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...