Search found 470 matches

by Vanguard Fan 1367
Wed Jun 21, 2017 11:24 pm
Forum: Investing - Theory, News & General
Topic: Email from VG - Vanguard Rep is on Leave ??
Replies: 10
Views: 1241

Re: Email from VG - Vanguard Rep is on Leave ??

I just got notice that they are moving away from the personal Flagship Representative to a team approach. But if I don't like the idea I can request a personal rep.
by Vanguard Fan 1367
Wed Jun 21, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: Irregularity of REIT ETF Dividends
Replies: 5
Views: 408

Re: Irregularity of REIT ETF Dividends

Thoughts: They are supposed to give you a high percentage of the "profits" in dividends. I am thinking that they need to work out the math and maybe had a bad quarter.
by Vanguard Fan 1367
Wed Jun 21, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Did I just get seriously ripped off?? (Car lease)
Replies: 21
Views: 1209

Re: Did I just get seriously ripped off?? (Car lease)

Oh, you haven't signed the papers yet? What are the 24, 36 and 39 month residuals? The 48 month seems really high. Did you budget for a set of tires? Maybe look at a 2 yr lease if you think you won't have to buy tires for it, check the price on tirerack.com And yes, take the 5k in your pocket up fr...
by Vanguard Fan 1367
Wed Jun 21, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 19
Views: 1397

Re: What do you say when you cancel an account that you only opened for bonus?

It's usually best to keep the stain of lies off of the soul. I presume that nothing in the contract pertains to one's motives for either opening or closing the account. Therefore, I'd simply come right out and say the truth. Well put! I agree with telling the truth, and I love the "stain of li...
by Vanguard Fan 1367
Wed Jun 21, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Are my Plan Administrative Fees high?
Replies: 12
Views: 477

Re: Are my Plan Administrative Fees high?

This question may be on the wrong track, but it sounds to me like a "record keeping fee" and a "advisor fee" are over and above the actual fund or investment fees themselves. You probably can't get out of the record keeping fee (think of it as corporate overhead for a 401k) but ...
by Vanguard Fan 1367
Wed Jun 21, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: HOW MUCH active management is right for you? :(
Replies: 28
Views: 1473

Re: Vanguard: HOW MUCH active management is right for you? :(

Before I became a Boglehead I appreciate one of those advisors who recommend 5 star funds recommending Windsor 2 many years ago. I would have been better off with one of Vanguard's index funds but still the returns on Windsor 2 were pretty good, especially compared to something like active managemen...
by Vanguard Fan 1367
Wed Jun 21, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: "Waiting for the Market to Crash is a Terrible Strategy"
Replies: 24
Views: 3105

Re: "Waiting for the Market to Crash is a Terrible Strategy"

Ben Stein wrote a book on doing exactly that, waiting on a 30 or more percent drop to invest. I tried that for a little while and am prospering greatly doing the John Bogle approach instead. Ben Stein also panicked during 2008-2009 crash. Interesting! I looked up the title, Yes, You Can Time The Ma...
by Vanguard Fan 1367
Wed Jun 21, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: "Waiting for the Market to Crash is a Terrible Strategy"
Replies: 24
Views: 3105

Re: "Waiting for the Market to Crash is a Terrible Strategy"

Ben Stein wrote a book on doing exactly that, waiting on a 30 or more percent drop to invest. I tried that for a little while and am prospering greatly doing the John Bogle approach instead.
by Vanguard Fan 1367
Tue Jun 20, 2017 6:58 am
Forum: Personal Consumer Issues
Topic: Charleston and Savannah
Replies: 6
Views: 825

Re: Charleston and Savannah

The wife and I like Savannah and Charleston. In Charleston we enjoyed visiting Plantations, eating dinner on the waterfront on the Shem River, walking King Street, riding the tourist trolleys. Savannah is also a great place to walk.
by Vanguard Fan 1367
Tue Jun 20, 2017 6:53 am
Forum: Investing - Help with Personal Investments
Topic: A slice and dice question
Replies: 9
Views: 918

Re: A slice and dice question

You sound like me. I have a similar amount of accounts mostly at Fidelity and Vanguard. After becoming a Boglehead I got rid of all my Fidelity funds and stocks except for FSTVX. I am super pleased at that move, the last year and a half have been great for index investing. I have some Vanguard REIT,...
by Vanguard Fan 1367
Tue Jun 20, 2017 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Home insurance change
Replies: 2
Views: 319

Re: Home insurance change

I also had a memorable experience with one of those "visits". After we closed on a house built in 1924 and moved in a well known National Company sent an inspector around and decided to cancel the insurance. That gave me some sleepless nights. I am sorry for your experience. It sounds like...
by Vanguard Fan 1367
Tue Jun 20, 2017 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Fund of Fund Expense Ratio
Replies: 12
Views: 955

Re: Fund of Fund Expense Ratio

I am familiar with Vanguard's Star Fund which I am pretty sure is a Fund of Funds. The investor shares lists a fee of .32 percent which isn't bad but it is higher that I as a Boglehead like. I prefer the .04 percent ER of the Total Stock Market Index Admiral Fund.
by Vanguard Fan 1367
Tue Jun 20, 2017 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Full comprehensive or liability only?
Replies: 29
Views: 1875

Re: Full comprehensive or liability only?

Thanks to Vanguard and Boglehead help with investing I can self insure a car at the level that you list. I would go with liability only. I have had some issues with making claims so I wouldn't want to make a claim anyway with the comprehensive so why should I buy it.
by Vanguard Fan 1367
Tue Jun 20, 2017 6:20 am
Forum: Investing - Help with Personal Investments
Topic: Voyager Select vs Flagship
Replies: 32
Views: 4695

Re: Voyager Select vs Flagship

Is the transition to Flagship automatic ? My total Vanguard accounts have been over a mil for a few weeks, but it still says "Voyager Select". Concerning the "upgraded" accounts structure, I did not understand where was the upgrade for me and so never bothered going through the ...
by Vanguard Fan 1367
Tue Jun 20, 2017 12:03 am
Forum: Investing - Theory, News & General
Topic: A closer look at taxes/distributions: Fidelity vs. Vanguard
Replies: 5
Views: 861

Re: A closer look at taxes/distributions: Fidelity vs. Vanguard

The question is over my head. I was admiring the one year return of FSTVX tonight. It doesn't sound like the taxes are too oppressive, but others may have some better answers.
by Vanguard Fan 1367
Mon Jun 19, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?
Replies: 35
Views: 3744

Re: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?

I have read through the threads, still not sure of the way to go here. In my case, I am just retired, marginal tax rate 25%. Are most dividends treated as LTCG or income? If LTCG, then I am essentially taking some of my gains when I get the dividend, and can reinvest them or not. If income, in my b...
by Vanguard Fan 1367
Mon Jun 19, 2017 1:39 am
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4242

Re: Dehumidifier woes

Where are you people living that you need these? I live in South Central Florida. I had one of the few houses in that part of the world with a basement. I also have had to replace humidifiers fairly often. Last time I bought I bought 3 instead of one at Loews. They seemed to share the load in the b...
by Vanguard Fan 1367
Sun Jun 18, 2017 3:23 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard High-Yield Corporate Fund Investor Shares VWEHX
Replies: 47
Views: 3511

Re: Vanguard High-Yield Corporate Fund Investor Shares VWEHX

I have about 12 percent of my assets involved with Vanguard's Long Term Corporate Bond ETF. Just like the joke about the guy who jumped off the Empire State Building and lived to tell about it (he told about it to the people on the 80th floor, on the 50th floor, etc.) I have been doing well with my ...
by Vanguard Fan 1367
Sun Jun 18, 2017 3:03 am
Forum: Investing - Help with Personal Investments
Topic: Has Vanguard gotten too big?
Replies: 30
Views: 3944

Re: Has Vanguard gotten too big?

Vanguard can accommodate this... Fidelity can, and you might find them easier to engage... However, they may try to move you into some other things that are to their benefit.... I am super happy taking Jack's advice and going with extremely low fee index funds for my investments. No one at Fidelity...
by Vanguard Fan 1367
Sun Jun 18, 2017 2:56 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 5957

Re: So sick of it!

I know someone with student loans much higher than 2 percent. You could today buy Vanguard's Long Term Corporate Bond ETF paying around 4 percent. Few on here like that investment because if the interest rates rise the fund loses value. But in theory you might have a 2 percent income on your money b...
by Vanguard Fan 1367
Sun Jun 18, 2017 2:54 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 5957

Re: So sick of it!

I know someone with student loans much higher than 2 percent. You could today buy Vanguard's Long Term Corporate Bond ETF paying around 4 percent. Few on here like that investment because if the interest rates rise the fund loses value. But in theory you might have a 2 percent income on your money b...
by Vanguard Fan 1367
Sun Jun 18, 2017 2:45 am
Forum: Personal Finance (Not Investing)
Topic: Example of why this forum is so good
Replies: 19
Views: 3076

Re: Example of why this forum is so good

The wife and I like to listen to Jack Bogle and others on YouTube. Yesterday we listened to a recording with some age to it where Jack talked about the high PE ratio of the S & P 500 before the 2000 drop. He says that he adjusted his stocks to bond ratio to a much higher bond (I think 70 percent...
by Vanguard Fan 1367
Sat Jun 17, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected raise while househunting-- should I change my budget?
Replies: 17
Views: 1949

Re: Unexpected raise while househunting-- should I change my budget?

It does sound like as a single that if you can find a house that you are ok with with your lower budget that you have other things you would like to spend the money on. To get that happy wife happy life I had to get her a pretty nice house. But if you have only yourself to please and you are happy w...
by Vanguard Fan 1367
Sat Jun 17, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?
Replies: 35
Views: 3744

Re: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?

I have really been happy with Vanguard's High Dividend Yield Fund. The mutual fund unfortunately only spits out quarterly dividends but with a current yield of about 3 percent I think it is great and is better than a lot of bond funds.

VHDYX--Vanguard's High Dividend Yield Index Fund.
by Vanguard Fan 1367
Sat Jun 17, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 88
Views: 7024

Re: Anyone else gotten totally bored with investing?

I am new to Bogleheads, I have only been on a few months. I am really appreciating the time folks spend to help me get to your point where to quote Jack: I "Don't do something, just stand there." I have activated my Vanguard Advantage Checking, I have moved my bonds to a tax deferred accou...
by Vanguard Fan 1367
Sat Jun 17, 2017 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Total US or Vanguard 2050?
Replies: 14
Views: 1503

Re: Total US or Vanguard 2050?

.16 Expense ratio for the 2050 isn't very much especially when it doesn't sound like you are ready for the Admiral funds. I like the 2050 idea but you can't go wrong with the other Vanguard options that you listed. That is such a contrast to the 1 percent assets under management fees, load charges, ...
by Vanguard Fan 1367
Sat Jun 17, 2017 6:29 am
Forum: Investing - Help with Personal Investments
Topic: Voyager Select vs Flagship
Replies: 32
Views: 4695

Re: Voyager Select vs Flagship

If you have a VanguardAdvantage checking account all the fees go away for annual fee, monthly billpay and checkbooks. We use the account as our main checking account with a link to our localbricks & mortar Bank. You would save about $100/year. FEE TYPE VanguardAdvantage® Account AMOUNT Offered ...
by Vanguard Fan 1367
Sat Jun 17, 2017 12:17 am
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 2358

Re: Need WIFI repeater or second router Advice

ASUS RT-ACRH13 Dual-Band 2x2 AC1300 Wifi 4-port Gigabit Router with USB 3.0

I replaced a weak router with the above and am happy with the change.
by Vanguard Fan 1367
Fri Jun 16, 2017 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11723

Re: Who takes financial chances and why is this forum so financially conservative?

I haven't read Jack's book, Enough. I wonder if he broaches the subject of how much you need to retire there?
by Vanguard Fan 1367
Thu Jun 15, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: scary phone calls [phone scams]
Replies: 35
Views: 3189

Re: scary phone calls

Why this is "Scary" to you? anyone can call any number claiming anything! They can threaten some scary things. I have had a real letter from the IRS asking for something like 15k, that is scary to me! :shock: These fake things unfortunately need to be listened to long enough to try to fig...
by Vanguard Fan 1367
Thu Jun 15, 2017 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Bought $31K Stocks Today: Am I Mad?
Replies: 32
Views: 3536

Re: Bought $31K Stocks Today: Am I Mad?

You're chasing bunnies now, and you're gonna get bit. How so? I'm not trying to time the market, not day trading, am buying low-cost index funds, and am at just a 75/25 allocation. I agree with you. I think you will be ok. I have quite a number of different Vanguard and a few other funds and they a...
by Vanguard Fan 1367
Thu Jun 15, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Would you take a 25% pay cut for more professional satisfaction?
Replies: 57
Views: 3375

Re: Would you take a 25% pay cut for more professional satisfaction?

I work for NASA designing missions to places like the moons of Saturn. I can't imagine a more professionally rewarding job. 25% more certainly wouldn't entice me. Do you have a family to support? My favorite mentor talks about "feeding the family." In his teaching he says that sometimes y...
by Vanguard Fan 1367
Wed Jun 14, 2017 10:42 pm
Forum: Investing - Theory, News & General
Topic: How riskier are Aaa corporate bonds?
Replies: 10
Views: 919

Re: How riskier are Aaa corporate bonds?

I don't think that they are very risky. I do like the advice of investing in Corporate Bonds in a mutual fund. That way if for some reason we have another Kodak then all is not lost unlike my mother in law who lost it all in her Eastern Airlines bonds when the company went belly up. My point is if y...
by Vanguard Fan 1367
Wed Jun 14, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Getting a Florida Sunpass
Replies: 14
Views: 1242

Re: Getting a Florida Sunpass

Get the sunpass, the least expensive one is $5 at publix, and there is a sunpass app you can add to your smart phone. You fund your account, and you can add a rental car license plate and a clear start date/time for rental, and end date for rental as you drive off the rental car parking lot. Declin...
by Vanguard Fan 1367
Wed Jun 14, 2017 10:28 pm
Forum: Investing - Theory, News & General
Topic: Favorite Active Funds?
Replies: 22
Views: 2286

Re: Favorite Active Funds?

swguy wrote:I like Wellesley (VWIAX) for its low ER and consistent preformance. Ditto Wellington (VWENX) for the same reasons.


I have a little of some of the other actively managed Vanguard funds. I don't have the above two but I like them.
by Vanguard Fan 1367
Wed Jun 14, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Any good resorts in Barbados?
Replies: 2
Views: 274

Re: Any good resorts in Barbados?

You might consider Crane Beach Resort. Beautiful area.
by Vanguard Fan 1367
Wed Jun 14, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a 25% pay cut for more professional satisfaction?
Replies: 57
Views: 3375

Re: Would you take a 25% pay cut for more professional satisfaction?

Only you can answer that question. I do think that pay is part of professional satisfaction also. But I do like the advice that the author Larry Burkett gave, "find something you like to do and learn to budget and live on what that pays." In my profession surveys have shown that the higher...
by Vanguard Fan 1367
Wed Jun 14, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Bought $31K Stocks Today: Am I Mad?
Replies: 32
Views: 3536

Re: Bought $31K Stocks Today: Am I Mad?

It has worked out much better for me to go ahead and invest rather than leave it sitting in money market funds waiting for a 30 percent drop so that I could buy. I wasn't sitting and waiting for a drop during the 2008 drop and one hasn't happened since. I hope things work out for you. I love your lo...
by Vanguard Fan 1367
Wed Jun 14, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11723

Re: Who takes financial chances and why is this forum so financially conservative?

Maybe it's just me, but it seems like this forum is getting more financially conservative. Be careful assuming trends based on forum posts on any discussion forum site on any topic. Post can easily skew perception. Take technical discussion, fora for example. People post when they have problems whi...
by Vanguard Fan 1367
Wed Jun 14, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Need Advice Urgently - Are we in over our heads?
Replies: 45
Views: 5901

Re: Need Advice Urgently - Are we in over our heads?

Worst case for some reason it doesn't work or we have to sell it for a loss or maybe even break even. That would be a major roadbump in life but we would persevere. If you should break even when you sell or even have a small loss, think of all the years you didn't have to pay rent! I bought a house...
by Vanguard Fan 1367
Wed Jun 14, 2017 10:02 am
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 11754

Re: Bogle Doubles Down on US Index Funds

I looked at my Vanguard funds, and I have too many different ones but that is from my pre Boglehead days. I did note that the S & P 500 fund has held its own lately and for the long term has done well. So it is not necessarily a horrible mistake to invest in that fund and avoid international fu...
by Vanguard Fan 1367
Wed Jun 14, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Fisher says Mutual Funds are Risky
Replies: 32
Views: 2244

Re: Fisher says Mutual Funds are Risky

I met him and his wife (Sheri) decades ago when I was much younger, caretaking a property off Skyline Dr along the spine of the Peninsula in the Bay Area. He bought the 5 acre property, telling the owners that they had no intention of removing us as caretakers. The sellers, who liked us, put a 60 d...
by Vanguard Fan 1367
Wed Jun 14, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 11754

Re: Bogle Doubles Down on US Index Funds

I looked at my Vanguard funds, and I have too many different ones but that is from my pre Boglehead days. I did note that the S & P 500 fund has held its own lately and for the long term has done well. So it is not necessarily a horrible mistake to invest in that fund and avoid international fun...
by Vanguard Fan 1367
Wed Jun 14, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11723

Re: Who takes financial chances and why is this forum so financially conservative?

I have a tendency to take on enormous risk if I think I have an edge, and I like the foot on the other end of the see saw that Bogleheads provides. It's precisely because I don't agree with a lot of the advice here that keeps me interested. I don't think I am able to invest as conservatively as som...
by Vanguard Fan 1367
Tue Jun 13, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Fisher says Mutual Funds are Risky
Replies: 32
Views: 2244

Re: Fisher says Mutual Funds are Risky

Everyone, Thanks for the great advice. You corroborated my raw opinion that FI is to be avoided. As someone mentioned, their fees were 1.5% for the first mil, 1.25% for the second mil, and so on. When I looked at how much I would be shelling out, I balked. Instead, I felt fairly confident that I wo...
by Vanguard Fan 1367
Tue Jun 13, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11723

Re: Who takes financial chances and why is this forum so financially conservative?

But you really can't rest until you have at least a million and a half for a couple (or the equivalent in pensions). And this is in addition to social security. Two years ago I would have said this is insane. I would have assumed you were being sarcastic, because that is massively more than the ave...
by Vanguard Fan 1367
Tue Jun 13, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11723

Re: Who takes financial chances and why is this forum so financially conservative?

I am 64 and have 88 12 stock to bond ratio. And my bonds are Long Term Corporate. Lots of folks on here would think that is taking a financial chance. :shock:
by Vanguard Fan 1367
Tue Jun 13, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 11754

Re: Bogle Doubles Down on US Index Funds

I have had ok success with Vanguard's Global Equity Fund which I bought because many years ago an Edward Jones rep came to our dental meeting and said "buy something global." Since I started reading the investment advice of John Bogle I am having fine success with Vanguard and Fidelity's T...
by Vanguard Fan 1367
Tue Jun 13, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Need Advice Urgently - Are we in over our heads?
Replies: 45
Views: 5901

Re: Need Advice Urgently - Are we in over our heads?

I know you feel stressed. The maintenance on an old home can be overwhelming. I finally talked my wife into a 10 year old home and letting someone else deal with all the issues that show up on an older house by selling mine. Hopefully the remodeling is great and your house is like new. But it is not...
by Vanguard Fan 1367
Tue Jun 13, 2017 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Replies: 67
Views: 5594

Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?

I don't like for employees to discuss salaries with one another. It can make for bad company morale. Would I expect an HR Manager to possibly be able to make mistakes? Yes, that wouldn't surprise me. I think it is a mistake to discuss salaries in front of peers, unless the business is one where the...

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