Search found 2317 matches

by Munir
Sun Nov 12, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: My favorite bond portfolio
Replies: 19
Views: 2594

Re: My favorite bond portfolio

Nisi's chart without the Total Stock Market in order to highlight the bond sector differences. https://s19.postimg.org/jrmkroi8z/Nisi_s_Chart_Capture_2.png http://quotes.morningstar.com/chart/fund/chart?t=VBMFX®ion=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%...
by Munir
Sat Nov 11, 2017 7:12 pm
Forum: Investing - Theory, News & General
Topic: My favorite bond portfolio
Replies: 19
Views: 2594

Re: My favorite bond portfolio

A retiree with 70% of portfolio in fixed income would incur significant $ losses in poor total returns with such a portfolio. Personally, I prefer a mix of US government and corporates.
by Munir
Sat Nov 11, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Right Bond Allocation - Government v. Credit?
Replies: 22
Views: 2203

Re: Right Bond Allocation - Government v. Credit?

I don't understand this obsession with what happened over a short period of time in 2008 in determining what kind of bonds one will own long term. Yes, corporate bonds dropped more than treasuries in 2008 but then they recovered and surpassed them in 2009 and afterwards. If you are the type to sell ...
by Munir
Sun Nov 05, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: I came up with a Bond plan.....Good or Bad...you decide
Replies: 19
Views: 1746

Re: I came up with a Bond plan.....Good or Bad...you decide

I don't care too much for the Total Bond Market (the favorite on this forum) because it has some of the lowest returns among Vanguard intermediate bond funds (you can also check Jack Bogle's comments on it). A mix of Intermediate Investment Grade (VFIDX) and Intermediate Bond Index (VBILX) with a sh...
by Munir
Sun Oct 29, 2017 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 94
Views: 15332

Re: Ally Bank - Savings Account Rate Increased!

Ally always seems to lag behind those front-runners by about .05% or so. Must be part of their business model. No need to lead the field, just be up there. I've observed the same thing about Ally and Cap360 - they are normally a slight (almost insignificant) amount behind Synchrony, gsbank, and Bar...
by Munir
Sat Oct 28, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 94
Views: 15332

Re: Ally Bank - Savings Account Rate Increased!

DaftInvestor wrote:
Sat Oct 28, 2017 8:51 am
signewton wrote:
Sat Oct 28, 2017 6:32 am
ally is now at 1.25%

Capital one 360 is now at 1.30% for balances $10k or more
Gsbank and Synchrony are both at 1.3% without a high min. balance.
So is Barclay's.
by Munir
Wed Oct 25, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Morningstar Article On Bond Fund Benchmarks
Replies: 2
Views: 292

Morningstar Article On Bond Fund Benchmarks

There is a new article by Eric Jacobson in Morningstar on bond fund benchmarks: http://news.morningstar.com/articlenet/article.aspx?id=830820#cpage=0 He sounds somewhat critical of the Bloomberg Barclays U.S. Aggregate Bond Index but makes no recommendations of what he would suggest in its place. Is...
by Munir
Wed Oct 25, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Concern re bond funds and current interest rate trend
Replies: 22
Views: 1554

Re: Concern re bond funds and current interest rate trend

I am in a similar situation. 80 years old and living on my RMDs. Preparing myself for a massive equity fall-off, and a moderate bond drop. "Stay the course" and "think long term" do not apply to people in their eighties- unless they are investing for their heirs. I'll be OK if I get even a slight re...
by Munir
Fri Oct 20, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 188
Views: 13075

Re: [Prevent mail theft; sign for USPS Informed Delivery]

It is a waste of time and energy- plus being inaccurate.
by Munir
Thu Oct 19, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Intermediate Bond vs. Vanguard Total Bond
Replies: 4
Views: 1180

Re: Vanguard Intermediate Bond vs. Vanguard Total Bond

In my IRA, I use Vanguard's Intermediate Investment Grade (VFIDX), Intermediate Bond Index (VBILX), and Core Bond Fund (VCOBX). I withdraw my RMD (or most of it) from whichever has done best the previous 12 months.
by Munir
Sun Oct 15, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Barclays increases interest rate
Replies: 14
Views: 2685

Re: Barclays increases interest rate

patrick wrote:
Sat Oct 14, 2017 3:31 pm
Still below the 1.5% at All America Bank.
You get a 1.5% APY only for balances below $35,000- otherwise it's 0.5%!

Statement below from the All America Bank web site:

"Earns interest of 1.50% APY* calculated on your daily balance of up to $35,000. Amounts over $35,000 earn .50% APY*"
by Munir
Thu Oct 12, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Barclays increases interest rate
Replies: 14
Views: 2685

Re: Barclays increases interest rate

Barclay's APY is now 1.3%.
by Munir
Sun Oct 08, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 188
Views: 13075

Re: [Prevent mail theft; sign for USPS Informed Delivery]

I tried it for a few weeks and shut it down. It was inaccurate and caused me headaches worrying about lost mail which eventually showed up 2-3 days later. For me, time is too precious to spend it on such activities which are more of a gimmick than being helpful.
by Munir
Tue Oct 03, 2017 1:06 am
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4369

Re: So... What bond fund or bond-like instrument do you use?

All are in my IRA (I'm an 80 year old retiree) except the I-Bonds & Cash,: VFIDX- Vanguard Intermediate Investment Grade- 22% VBILX_ Vanguard Intermediate Bond Index- 18% VCOBX- Vanguard Core Bond Fund- 12% VFSUX- Vanguard Short Term Investment Grade- 3% I-Bonds - 5% --------------------------------...
by Munir
Wed Sep 27, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50123

Re: Equifax customer information leak

A freeze is a minor effort, a freeze is the real deal. Read what the differences are at one of the sites. zaplunken: A typo? Which is the "minor" effort? If you go to the credit bureau websites and read the differences you'll see a freeze locks your credit report so no one can gain access to it and...
by Munir
Wed Sep 27, 2017 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50123

Re: Equifax customer information leak

zaplunken wrote:
Tue Sep 26, 2017 7:46 pm
A freeze is a minor effort, a freeze is the real deal. Read what the differences are at one of the sites.
zaplunken: A typo? Which is the "minor" effort?
by Munir
Mon Sep 25, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8767

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

Does going to a doc in a highly ranked medical system help? I go to Duke for my docs and I would think that they would weed out any docs that are substandard. Would that be an accurate assumption? No. Would not premier hospitals weed out fake doctors with false credentials from diploma mills? Victo...
by Munir
Mon Sep 25, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8767

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

soccerdad12 wrote:
Mon Sep 25, 2017 8:12 am
Does going to a doc in a highly ranked medical system help? I go to Duke for my docs and I would think that they would weed out any docs that are substandard. Would that be an accurate assumption?
No.
by Munir
Sun Sep 24, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8767

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

I am a retired surgical specialist. 1. If possible, find out who physicians themselves go to in that specialty- find a "doctor's doctor". 2. Obtain a recommendation from a local physician(s) such as your PCP. 3. Check credentials of the physicians and see if they are board-certified and whether they...
by Munir
Sun Sep 24, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 49
Views: 3392

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

Have always driven AWD the last few decades and never needed snow tires or chains. Provide more mental security as one gets older.
by Munir
Sun Sep 24, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 80
Views: 4546

Re: Do you subscribe to digital newspapers?

I read the digital versions of the NY Times, Washington Post, and (gulp) for news only, the WSJ. I get the print edition of the local paper to read local news and catch up with the obituary notices (important at my age :happy ).
by Munir
Mon Sep 18, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2648
Views: 849469

Re: What Book Are You Currently Reading? Part VI

On Tyranny (2017) by Timothy Snyder. Short book, very informative, and easy reading.
by Munir
Sun Sep 17, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy
Replies: 51
Views: 4328

Re: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy

Whether Jack Bogle chooses to travel in Business/First Class or not has nothing to do with his investing acumen and advice to investors. Let us quit passing judgment on personal preferences of others or soon we will be judging them on what kind of toothbrush they use. It also gives permission to a f...
by Munir
Sat Sep 16, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Credit Monitoring - 1 or 3 Bureau?
Replies: 10
Views: 722

Re: Credit Monitoring - 1 or 3 Bureau?

what is the best 3 bureau monitoring. I know a freeze is free. Just asking who uses a monitoring service, and do you like it. A freeze may be free in some states but many allow a charge up to $15 per freeze per company. Check your state law or our own BH Wiki. Experian and Transunion charged me and...
by Munir
Fri Sep 15, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50123

Re: Equifax customer information leak

If my wife has the same last name and shares my address etc, does she need a separate freeze process or does my individual freeze automatically include her? No, she needs to do her own freeze. Spouse was successful in doing her own freeze with all five companies except for Equifax because we have t...
by Munir
Fri Sep 15, 2017 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund Will Perform Best With Rising Rates?
Replies: 27
Views: 3269

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

The issue is that there is not just one interest rate. Your four example funds have about the same duration, so they will all lose 6% if all bond rates rise by 1%. But if corporate bond rates rise more (because of increased default risk), then Total Bond Market Index, which is mostly government bon...
by Munir
Thu Sep 14, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50123

Re: Equifax customer information leak

If my wife has the same last name and shares my address etc, does she need a separate freeze process or does my individual freeze automatically include her?
by Munir
Wed Sep 13, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund Will Perform Best With Rising Rates?
Replies: 27
Views: 3269

Which Bond Fund Will Perform Best With Rising Rates?

Can an intelligent guess be made which of these four Vanguard intermediate bond funds will perform best in a rising interest rate environment : Total Bond Market Index (VBTLX), Intermediate Investment Grade (VFIDX), Intermediate Bond Index (VBILX), and the Core Bond Fund (VCOBX)? I know that nothing...
by Munir
Fri Sep 01, 2017 4:44 pm
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4464

Re: Do you know your bond portfolio's REAL 12 month total return?

As of 8/31, the one-year total return for some commonly-used funds here: IT Tax Exempt: .96% IT Govt' Bond: -.19% Total Bond: .33% IT Bond Index: .51% VG TIPS Fund: .49% Interestingly, the damage was done in the later part of 2016, not this year in the so-called "rising rate environment". Same fund...
by Munir
Fri Sep 01, 2017 3:14 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is Always Risky
Replies: 42
Views: 3477

Re: The Stock Market Is Always Risky

Toons wrote:
Fri Sep 01, 2017 11:23 am
Keep Investing :happy
When should we start spending? :happy
by Munir
Wed Aug 30, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Risk
Replies: 4
Views: 533

Re: Bond Fund Risk

Can you please supply the full title of PONDX? You might get more responses that way.
by Munir
Tue Aug 29, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4271

Re: Transitioning management of investments as cognitive ability declines

I've been around and read up enough to know that most annuities primarily benefit the person that sells them. [/b] The quote above does not really apply to SPIAs but maybe to other forms of annuities. When was the last time a person showed up at work or your house to sell you a SPIA? Never.
by Munir
Tue Aug 29, 2017 12:22 am
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4271

Re: Transitioning management of investments as cognitive ability declines

[b wrote:I've been around and read up enough to know that most annuities primarily benefit the person that sells them.
[/b]
The quote above does not really apply to SPIAs but maybe to other forms of annuities.
by Munir
Mon Aug 28, 2017 4:12 pm
Forum: Investing - Theory, News & General
Topic: Review with Me - Larry Swedroe's new book
Replies: 160
Views: 7409

Re: Review with Me - Larry Swedroe's new book

This thread makes me wonder about the possibility of having a "Basic" Boglehead Forum and an "Advanced" Forum. As a novice in investing, I do appreciate and benefit from this forum but get lost in many of the high-level discussions which honestly don't interest me. One will say that I can just ignor...
by Munir
Mon Aug 28, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4271

Re: Transitioning management of investments as cognitive ability declines

SPIAs provide a continuous fixed income amount monthly like a pension or social security except that they are funded by the individual receiving the money and not by the government or a commercial company. They do not pay bills nor supervise money being spent or bank balances. Inflation-indexed SPIA...
by Munir
Sun Aug 27, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Self insure vs Medigap when on "traditional" Medicare
Replies: 73
Views: 4965

Re: Self insure vs Medigap when on "traditional" Medicare

For older individuals, unless VERY wealthy, the costs of medical care over and above what traditional Medicare covers could be extremely high. I am referring to hospitalization costs- even for minor surgeries or ailments. As an older retired physician who has experienced these costs first hand, I st...
by Munir
Tue Aug 22, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total Corporate Bond ETF
Replies: 42
Views: 7153

Re: "more than 371 funds?"

Bogleheads: According to the Announcement: The firm, headquartered in Valley Forge, Pennsylvania, offers more than 371 funds . Can anyone explain why Vanguard offers so many funds? Best wishes Taylor When the Vanguard Group is approaching $5,000,000,000,000 in assets under management it has to adop...
by Munir
Mon Aug 21, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 14416

Re: I own no international stocks. Can you guess why?

The eclipse is over and so is Taylor's puzzle. :( :( What can we look for now to keep life interesting? Oh! I forgot Washington D.C. :happy
by Munir
Sun Aug 20, 2017 8:53 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 14416

Re: I own no international stocks. Can you guess why?

Taylor, it's because you are a wiser older man :D .
by Munir
Sun Aug 20, 2017 6:30 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 14416

Re: I own no international stocks. Can you guess why?

Gaining wisdom with advancing age.
by Munir
Sun Aug 20, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 14416

Re: I own no international stocks. Can you guess why?

Because Taylor is old That's my guess right there. He may dress it up in other outfits but the core of it is likely this. I object. How old does one have to be to be considered "old"? What is "old" anyway? Answer: it is as old as one feels "old". Taylor is NOT old. Not that is matters, but I would ...
by Munir
Sun Aug 20, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 14416

Re: I own no international stocks. Can you guess why?

Hyperborea wrote:
Sun Aug 20, 2017 2:33 pm
chevca wrote:
Sun Aug 20, 2017 1:01 pm
Because Taylor is old
That's my guess right there. He may dress it up in other outfits but the core of it is likely this.
I object. How old does one have to be to be considered "old"?

What is "old" anyway? Answer: it is as old as one feels "old". Taylor is NOT old.
by Munir
Tue Aug 15, 2017 9:27 am
Forum: Investing - Theory, News & General
Topic: When stocks drop, which bond funds usually do best and worst?
Replies: 25
Views: 2976

Re: When stocks drop, which bond funds usually do best and worst?

Why would one care about the short-term behavior of a bond fund during an acute drop in the equity market if one can stay the course and not engage in panic selling of either one? I care more for the longer term behavior of a bond fund (i.e. at least 2-3 years for me) than what happens over a few mo...
by Munir
Sun Aug 13, 2017 1:21 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 200
Views: 163720

Re: Please Try Out Test Posts Here

bertilak wrote:
Sun Aug 13, 2017 1:11 pm
bertilak wrote:
Sun Aug 13, 2017 12:31 pm
bertilak wrote:
Sun Aug 13, 2017 12:31 pm
I will do a quoted reply to my own post (this one) to check notifications.
And here is the reply.
That didn't work. Not getting notified. Trying gain.
Bertilak: Is my reply working?
by Munir
Sun Aug 13, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - Got a Question for Jack?
Replies: 53
Views: 13297

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

Is the relatively new Vanguard Core Bond Fund (VCOBX) suitable in an IRA for a retiree in a distribution phase?

Can you please name suggested Vanguard intermediate bond funds for such a retiree?

*
by Munir
Wed Aug 09, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2798

Re: Harry Bosch:the Amazon Series vs the novels

I have followed Harry Bosch from his earliest appearance in print and have greatly enjoyed Michael Connelly's books. I watched the first episode of the TV series and never came back for more. It seemed like any "tough" cop series on TV and didn't have the subtleties and nuances that Connelly include...
by Munir
Wed Aug 09, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Should I hold bond fund for period equal to duration?
Replies: 16
Views: 1084

Re: Should I hold bond fund for period equal to duration?

As I understand it, duration is helpful in an absolute sense only as long rates don't keep rising during the period in question- which is not frequent. It is more helpful in comparing bond funds with different durations because when rates are rising the longer duration funds usually suffer greater t...
by Munir
Sun Aug 06, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 49
Views: 4277

Re: Bose Noise Cancelling Headphones

3M Peltor X2A over-the-head earmuffs. Very effective at silencing all outside noise. Amazon- about $15.
by Munir
Fri Aug 04, 2017 8:39 pm
Forum: Investing - Theory, News & General
Topic: Time Horizon Impact on Bond Selection
Replies: 10
Views: 1036

Re: Time Horizon Impact on Bond Selection

For retirees with sometimes 70% of assets in fixed income, bond funds are a needed source of income in addition to being a ballast and providing poor correlation (not always) with equities. I hope not everyone buys the mantra of bonds are for stability exclusively for all investors. I get tired of h...