Search found 2260 matches

by Munir
Sat Jul 15, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: The legacy and luck of Vanguard's Jack Bogle - Marketwatch
Replies: 4
Views: 864

Re: The legacy and luck of Vanguard's Jack Bogle - Marketwatch

selters wrote:Good interview by Jack Merriman with Paul Bogle.


Is this tongue in cheek or cheek in tongue? :happy
by Munir
Wed Jul 12, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 84
Views: 11661

Re: Ally Bank - Savings Account Rate Increased!

Bogleheads rejoice--Ally savings is up to 1.15%--15% increase in return in one year! Granted Yellen's testimony makes it seem that these increases will slow down, but hey, let the interest rate wars continue! If inflation is really gonna stick at 1.4% we're getting pretty close to not losing money ...
by Munir
Wed Jul 12, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: VBILX vs. VBTLX- I need some insight
Replies: 9
Views: 885

Re: VBILX vs. VBTLX- I need some insight

It doesn't matter what you do. Whichever way you go, there is a very good chance that the other way will perform better. You can always own both of them. Or even another bond fund like VSCSX. After going back and forth between the two, the bolded is my plan. In my humble and novice opinion, this is...
by Munir
Wed Jul 12, 2017 12:36 am
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11342

Re: "Bond wipeout has just begun"???

The above discussion raises a question about the premise that if you hold a bond fund for its duration, then at the end of that duration period the bond fund will be worth at least what it was worth when the process started. But doesn't that only apply if there is only one rate raise at the start of...
by Munir
Sun Jul 09, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 2844

Re: can't logon to vanguard account [Website Down]

Just now I can access Vanguard web site but cannot access my accounts!
by Munir
Sat Jul 08, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11342

Re: "Bond wipeout has just begun"???

So is this "really" the end of the multi-year bond rally? And if bonds/bond funds are in for a long period of declining prices, and stocks are pricey, what do you do? Sit it out in a money market fund making nothing (and actually losing money to inflation)? https://www.bloomberg.com/news/...
by Munir
Sat Jul 01, 2017 7:59 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard gain anything from us investing more internationally?
Replies: 28
Views: 2378

Re: Does Vanguard gain anything from us investing more internationally?

The political instability, whether current or possible in the future, is enough of a deterrent- even in in Europe. Is there really a great need for such extensive diversification into foreign countries? The extra cost, political uncertainties, and just not having the needed level of comfort with th...
by Munir
Sat Jul 01, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard gain anything from us investing more internationally?
Replies: 28
Views: 2378

Re: Does Vanguard gain anything from us investing more internationally?

How well do we know the foreign economies and countries that we are being urged to invest in? Being an immigrant myself, I am very hesitant in investing anywhere other than in the US. The political instability, whether current or possible in the future, is enough of a deterrent- even in in Europe. I...
by Munir
Wed Jun 28, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 53
Views: 3443

Re: Consumer Reports Renewal (or not?)

Agree with Rob5TCP about CR. I also have never heard of the recommendation verification web site and will try it. Thanks.
by Munir
Wed Jun 28, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 53
Views: 3443

Re: Consumer Reports Renewal (or not?)

TBillT wrote:I agree CR has some editorial/political bias these days.


I wonder how much that is a factor in the disenchantment of some with CR.
by Munir
Wed Jun 28, 2017 12:34 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 53
Views: 3443

Re: Consumer Reports Renewal (or not?)

I use this forum for consumer product reviews. I don't trust anecdotal recommendations for non-financial products from BHs- or anyone else. What does a doctor know about a refrigerator or TV? The tales of woe and dismissal of CR are puzzling and disappointing. If you don't subscribe to the print ed...
by Munir
Tue Jun 27, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 53
Views: 3443

Re: Consumer Reports Renewal (or not?)

I subscribe to and use their web site only and find it useful.
by Munir
Tue Jun 27, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 131
Views: 15026

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

GS Bank (Goldman Sachs) Online Savings is at 1.20% and Barclay's at 1.15%.
by Munir
Fri Jun 23, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 8387

Re: Costco vs. Amazon - Thoughts of Prime Members?

I am a Prime member. I like and use both Costco and Amazon- and Trader Joe's. No opinion on their stocks.
by Munir
Fri Jun 23, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank - Is this a safe/best place to stash some cash?
Replies: 108
Views: 18276

Re: Ally Bank - Is this a safe/best place to stash some cash?

Barclay's Online Savings just raised their rate from 1.05% to 1.15%.
by Munir
Sun Jun 18, 2017 9:56 am
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - Got a Question for Jack?
Replies: 28
Views: 4201

Re: Q&A WITH JACK BOGLE - Got a Question for Jack?

Dear Jack, Does the Intermediate Bond Index fund (VBILX) which is about 50:50 corporate to US Government in its holdings meet your criteria for an optimum balance between these two components? Can the Intermediate Investment Grade Bond fund (VFIDX) be suitable as the main bond holding in an IRA for ...
by Munir
Fri Jun 16, 2017 12:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 131
Views: 15026

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

I never understood why people like this fund at times that it has higher risk and lower return than other choices. Like right now. You can get 1.25% to 1.35% returns at a few online banks today. FDIC insured. For money that's already sitting at Vanguard that we don't want to move to a bank, we coul...
by Munir
Fri Jun 16, 2017 11:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 131
Views: 15026

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

I never understood why people like this fund at times that it has higher risk and lower return than other choices. Like right now. You can get 1.25% to 1.35% returns at a few online banks today. FDIC insured. For money that's already sitting at Vanguard that we don't want to move to a bank, we coul...
by Munir
Fri Jun 16, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 131
Views: 15026

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

GS bank (Goldman Sachs) is now paying 1.2% on its online savings account.
by Munir
Thu Jun 15, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 85
Views: 5891

Re: Do You Take Your Credit Card Receipts?

Does taking the receipt make it easier or less easy for someone trying to steal your credit card info at the place of transaction or later if receipt is discarded?
by Munir
Wed Jun 14, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank - Is this a safe/best place to stash some cash?
Replies: 108
Views: 18276

Re: Ally Bank - Is this a safe/best place to stash some cash?

Anyone using online GS Savings (Goldman Sachs) with 1.2% rate? Any drawbacks to it?
by Munir
Mon Jun 12, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: learning Arabic
Replies: 19
Views: 1694

Re: learning Arabic

Arabic was my mother tongue. I second what boglemelon said above. First, she needs to be very clear on why she wants to learn Arabic. If it is just to be able to speak the native tongue of countries she is visiting as a tourist, the second step is to decide what part of the Arab World she will be vi...
by Munir
Sat Jun 10, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Which Bond Category to Choose?
Replies: 14
Views: 1378

Re: Which Bond Category to Choose?

Speaking of corporate bonds defaulting, does anybody know if the two Vanguard intermediate bond funds, Investment Grade (VFIDX) and Bond Index (VBILX) have ever been negatively impacted in a significant fashion by corporate bond defaults? They both have significant corporrate bond holdings.This info...
by Munir
Wed May 31, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Senility: How do you plan on protecting your money when you lose your mental capacities?
Replies: 72
Views: 5992

Re: Senility and Seductresses: How do you plan on protecting your money when you lose your mental capacities?

The subject and the op's statement are very valid but the title is offensive and sexist. By mentioning only seductresses and not including male seducers it becomes a sexist statement. Let's get over this "good old boy" talk on this forum and discuss all people who might take advantage of s...
by Munir
Fri May 19, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: New Rate For Barclay's Online Savings
Replies: 2
Views: 382

New Rate For Barclay's Online Savings

Just received an email that the new rate For Barclay's Online Savings is 1.05%.
by Munir
Sat May 06, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: All VBLTX or Keep Our Current Bond Mix?
Replies: 6
Views: 678

Re: All VBLTX or Keep Our Current Bond Mix?

With all our bond holdings in tax-deferred accounts, we won't be withdrawing the funds until RMDs commence in about 7 years. In the meantime, do we want to hold all in the Total Bond Market or should we also keep our VFSUX (short-term investment grade) and VFIDX (intermediate-term investment grade)...
by Munir
Wed May 03, 2017 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Advice
Replies: 10
Views: 986

Re: Bond Fund Advice

It depends on your age, retirement status, life expectancy, timeline etc. I am a 79 year old retiree and all my bond funds are in my traditional IRA. I like Bogle's ideas on bond funds. My allocation of bond funds is: VFIDX (Int. Investment Grade) 50%; VFSUX (Short Term Investment Grade) 26%; VCOBX ...
by Munir
Wed May 03, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Advice
Replies: 10
Views: 986

Re: Bond Fund Advice

Dump the International Bond Fund and keep the rest. They provide good diversification and total return.
by Munir
Mon May 01, 2017 9:51 am
Forum: Local Chapters and Bogleheads Community
Topic: John Bogle's Legacy!
Replies: 19
Views: 3225

Re: John Bogle Will Pass Away Someday.

invstar wrote:Please change the subject/title of this post...



Agree. How about "Jack Bogle's Legacy"?
by Munir
Wed Apr 26, 2017 11:50 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 143
Views: 20063

Re: Why not add a "like" button to Boglehead posts?

legio XX wrote:
Mel Lindauer wrote:
LadyGeek wrote:
The answer is still no.


And it will be "NO" tomm. and next year and the year after that for all eternity. It ain't gonna happen. Period.


Good. :beer

Vic


Mel, as usual, you are being too subtle. Can you please be more clear? :happy
by Munir
Mon Apr 24, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 84
Views: 11661

Re: Ally Bank - Savings now 1.05%

Is a .05% difference in interest rate worth transferring funds from another bank?
by Munir
Mon Apr 24, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 62
Views: 4942

Re: Is $20K I-Bonds considered cash or bond?

nisiprius quote: "Personally, then, I think that I bonds that are over a year old are much more like "cash" than they are like "bonds.""

Accurate summary.
by Munir
Mon Apr 24, 2017 12:36 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 39309

Re: Larry Swedroe says "Goodbye."

Is anyone going to correct the word "goodby" in the title by adding an "e" at the end of it?
by Munir
Sat Apr 22, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: What bond index recommendations for $10K in Roth IRA?
Replies: 11
Views: 1183

Re: What bond index recommendations for $10K in Roth IRA?

I have $10K CD maturing May 1st in my Roth IRA at Fidelity. I would like to keep the new investment bond-like and not risk it in equity. These funds won't be touched for 25+ years. I can get a guaranteed 2.75% per year by purchasing another 10-year non-callable Brokered CD. Is any high-quality bond...
by Munir
Thu Apr 20, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 39309

Re: Larry Swedroe says "Goodby."

Don't know if Larry will ever read this but just in case, I'd like to express my thanks to him for his insightful posts, for educating us on the latest factor research among other things, for giving us plenty of free and sound advice, and for spending a great deal of time from a busy professional s...
by Munir
Thu Apr 20, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 39309

Re: Larry Swedroe says "Goodby."

Larry, your contributions were always thought-provoking and leading to great dialogues and discussions. I regret the personal attacks from petty-minded people. Civility, as exemplified by our founder Taylor Larimore, has always been a cornerstone of discussions in this forum. If I become hot-headed ...
by Munir
Wed Apr 19, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap
Replies: 17
Views: 1714

Re: VINIX - Lacking Small and Mid-Cap

Hi all, I've done some research and have been informed that the VINIX (which I'm planning on investing heavily in) is lacking small and mid-cap by a few percent points. Can you point me in the right direction on balancing my portfolio regarding large, mid, and small-cap? Thanks, Tim Hi Tim, You wil...
by Munir
Tue Apr 18, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate versus Short Term Bond Funds
Replies: 16
Views: 1949

Re: Intermediate versus Short Term Bond Funds

Thank you nisiprius for including VFIDX (VFICX) in a new graph. It did have a dip in 2008 when VBTLX did not but what fund doesn't- and does one dip condemn it to death forever? :happy. If you track it starting in 2007 before the dip, it stayed the course in 2008, then on to 2009 and forward, it has...
by Munir
Tue Apr 18, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate versus Short Term Bond Funds
Replies: 16
Views: 1949

Re: Intermediate versus Short Term Bond Funds

(Yes, recycled from yesterday...) The following was posted in this forum on July 19th, 2009 here. I see the total bond fund and intermediate treasuries recommended a lot on here. I know people don't like to market time but interest rates are currently zero and whether rates rise in 2010 or 2011 or ...
by Munir
Tue Apr 18, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Intermediate versus Short Term Bond Funds
Replies: 16
Views: 1949

Re: Intermediate versus Short Term Bond Funds

If in doubt, why not use both short term and intermediate term bond funds?
by Munir
Sat Apr 15, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 2479

Re: Best way to take RMD

Munir says: Maybe I am confused by the dollar amounts with the "RMD" attached to them in each of your accounts. Are these the amounts that you have to withdraw as RMDs from these accounts? My understanding is that you can distribute enough money from one account to cover the total of all ...
by Munir
Sat Apr 15, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 2479

Re: Best way to take RMD

[quote="EvelynTroy" I hold 2 IRA accounts - one in TDAmeritrade brokerage account($15,000 RMD) the other in a Credit Union CD ($4,000 RMD) - a total of $19,000 RMD. Evelyn[/quote] Maybe I am confused by the dollar amounts with the "RMD" attached to them in each of your accounts. ...
by Munir
Fri Apr 14, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 6305

Re: Jack says be realistic

If you read the article, still includes a suggestion about being 100% equities early in life, moving towards 75% equities later in life, and a note that he is 50% equities himself. Don't see any bad actions coming out of article... Did he mean 75% to 25% equities or 75/25 stock bond allocation. Tha...
by Munir
Tue Apr 11, 2017 12:54 pm
Forum: Investing - Theory, News & General
Topic: "Did Declining rates actually matter"
Replies: 26
Views: 2164

Re: "Did Declining rates actually matter"

Thanks for sharing – happy to answer any questions. I think it is worth pointing out that this work can be approximated pretty easily by looking at VBMFX's price return versus total return over time. Price return should capture re-pricing effects within the index (e.g. roll return, changes in yield...
by Munir
Mon Apr 10, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 3574

Re: Anyone else own balanced index fund? [vbinx]

Unless you plan on changing your asset allocation I don't think it makes any difference whether you draw from a balanced fund or separate funds. I like to draw my RMD from the sector that has risen most during the previous 12 months. It's a form of rebalancing which is not possible if all one's IRA...
by Munir
Mon Apr 10, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 3574

Re: Anyone else own balanced index fund? [vbinx]

I am a retiree and nearly 80 years old. I like this fund but it is not for me because it's too aggressive with 60% equities. I wish Vanguard had a fund like it with the percentages reversed i.e.with 40% equities and no internationals. Oh, to be 50 again (I can also take 60)! One problem with a sole...
by Munir
Sun Apr 09, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 3574

Re: Anyone else own balanced index fund? [vbinx]

I am a retiree and nearly 80 years old. I like this fund but it is not for me because it's too aggressive with 60% equities. I wish Vanguard had a fund like it with the percentages reversed i.e.with 40% equities and no internationals. Oh, to be 50 again (I can also take 60)! One problem with a sole ...
by Munir
Fri Apr 07, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: VBTLX or MWTRX? Vanguard Total Bond Market Index Fund or Metro West
Replies: 11
Views: 920

Re: VBTLX or MWTRX? Vanguard Total Bond Market Index Fund or Metro West

Zuma that is a great option. Thank you very much. Do you use the Core fund in your AA? I hold it. It is one year old as of 3/28/17. ER 0.15%. SEC yield 2.42%. Ave. credit quality A. Holdings 52% US government. Duration 6.0 years. I'm happy with it, but still prefer VFIDX (Int. Investment Grade) wit...
by Munir
Tue Apr 04, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Core Bond Fund (VCORX) One Year on:
Replies: 58
Views: 6823

Re: Vanguard Core Bond Fund (VCORX) One Year on:

Siamond: thank you for the graphs. They confirm my views that many BHs have over-reacted to the 2008 transient hiccup that the Intermediate Investment Grade Bond Fund (VFIDX) experienced. Treasuries have had their dips but no similar reaction to them. My reservation about VBILX is its longer duratio...

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