Search found 129 matches

by Vanguard Fan 1367
Fri Mar 24, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Pontoon boat owners!!
Replies: 10
Views: 706

Re: Pontoon boat owners!!

I have had a 26 foot pontoon and now own a 20 footer. I love the pontoon boats. Like another poster said, used is something to consider, on a Boglehead forum you might expect that feedback, both of my pontoons were used, leaving more for investing. You sure get a lot of deck space for the buck with ...
by Vanguard Fan 1367
Fri Mar 24, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 20
Views: 1288

Re: AXA Annuity finally transferred to Vanguard

Finally seeing the funds in my Vanguard account. Woohoo! My current Roth is all in Vanguard Total Stock Market Index Fund Admiral Shares VTSAX. Was just going to lump sum the whole 39k into that, and not worry about timing. I am currently 80/20 and feel good about my AA. Thoughts? I like the 80 20 ...
by Vanguard Fan 1367
Thu Mar 23, 2017 5:11 pm
Forum: Investing - Theory, News & General
Topic: Justification for Adding REITs
Replies: 23
Views: 1367

Re: Justification for Adding REITs

I believe that Malkiel thinks that REITS might be considered as sort of a "bond" in this era of low interest rates. Maybe because they have to pay out a pretty high percentage of their earnings in dividends. I bought some and am sort of wanting to get rid of them but the wife likes the div...
by Vanguard Fan 1367
Thu Mar 23, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Flagship access to closed funds?
Replies: 3
Views: 408

Re: Flagship access to closed funds?

To my regret I bought into Vanguard's Metals fund a few years ago when it was "closed". My Flagship status enabled me to lose some significant cash by buying that fund.

I have since become a Boglehead and wouldn't bother with Metals.
by Vanguard Fan 1367
Thu Mar 23, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Voyager Select Worth moving funds to get there?
Replies: 4
Views: 549

Re: Vanguard Voyager Select Worth moving funds to get there?

I don't actually use my Vanguard Advisor very often, but I have used them and like having them available. When my wife talks about going for paid financial advice I encourage her to use what we have available from Vanguard first.
by Vanguard Fan 1367
Thu Mar 23, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 101
Views: 4189

Re: Vehicles as a percentage of net worth

Two relatively new cars. Roughly 0.01% of net worth. Can't imagine spending more. We both love our cars, a Prius and a Honda. Go figure. They are 0.01% of net worth. If your cars are worth $30,000, then you are worth 300 millions. We do have a number of wealthier than average folks on this forum......
by Vanguard Fan 1367
Wed Mar 22, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 101
Views: 4189

Re: Vehicles as a percentage of net worth

I have never had a car payment except for 3 months to take advantage of Ford knocking 1k off the price if you financed. I recommend driving something you can pay cash for. Thankfully the wife can handle the Ford Fusion and we have a 2011 and a 2010 Fusion and they work fine. I sort of would like to ...
by Vanguard Fan 1367
Wed Mar 22, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Investing lump sum
Replies: 2
Views: 245

Re: Investing lump sum

I guess what you are saying is that you owe some taxes on this windfall payment? I think that Vanguard Prime pays .8 percent interest and that is one place to put the tax money that you will owe. I would pay off the mortgage if it was me. I am reading Malkiel. He might consider dollar cost averaging...
by Vanguard Fan 1367
Wed Mar 22, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Pay off debt or invest?
Replies: 6
Views: 519

Re: Pay off debt or invest?

I generally like to be debt free myself, then invest but like the other posters I would like more information.
by Vanguard Fan 1367
Wed Mar 22, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: Trying to Time the Market
Replies: 8
Views: 1224

Re: Trying to Time the Market

Thanks - I enjoyed reading this. See https://en.wikipedia.org/wiki/Schadenfreude elgob I enjoy reading Norman Vincent Peale. He and I don't think that it is healthy to enjoy other people's problems!! I appreciate Bogle's thoughts on timing the market: Bogle says something like, I don't know anyone,...
by Vanguard Fan 1367
Wed Mar 22, 2017 10:47 am
Forum: Investing - Theory, News & General
Topic: Active Bond Funds Holding Their Own
Replies: 16
Views: 955

Re: Active Bond Funds Holding Their Own

I appreciate Vanguard and their low fee bond funds. I think that "the less the fee the more for me" to quote some of the investment gurus. I suspect that most of the low fee bond funds are holding their own compared to other higher fee bond funds.
by Vanguard Fan 1367
Tue Mar 21, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: 27, no investments, please help
Replies: 17
Views: 1895

Re: 27, no investments, please help

I like John Bogle's advice, put at least some money into something like Vanguard Total Stock Market Fund and never look at the statements. I started off slowly myself with Vanguard's S & P 500 fund and a 100 dollar a month investment program. You sound like you have enough money to at least open...
by Vanguard Fan 1367
Tue Mar 21, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Inlaw Suddenly Wants Financial Security in 60's..
Replies: 27
Views: 4021

Re: Inlaw Suddenly Wants Financial Security in 60's..

It took some hours but reading John Bogle's "The John Bogle Reader" convinced me of the magic of index investing. I wonder if your in-law would consider reading that. My mother in law spent the 22 bucks to download it to her Kindle but hasn't been able to get into it. She is doing the Bogl...
by Vanguard Fan 1367
Tue Mar 21, 2017 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: I would appreciate comments on my asset allocation.
Replies: 18
Views: 1199

Re: I would appreciate comments on my asset allocation.

I also think you have too many funds. I might ideally consider Vanguard Total Stock Market Index for 50% and some sort of bond mix that makes you comfortable if you want a 50 50 stock bond mix.
by Vanguard Fan 1367
Tue Mar 21, 2017 6:32 pm
Forum: Investing - Theory, News & General
Topic: Why do people invest in Long Term Bonds now?
Replies: 51
Views: 7144

Re: Why do people invest in Long Term Bonds now?

Replying to this thread after about 9 months of dormancy. I'm interested to know what people think now that we're officially in an interest rate rising (slowly) environment again. I have all my fixed income allocated to short-term bonds for many years, to preserve value. That has been fine, I suppo...
by Vanguard Fan 1367
Tue Mar 21, 2017 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Best set it and forget to hold until retirement?
Replies: 24
Views: 2460

Re: Best set it and forget to hold until retirement?

Bonds are not a great investment right now due to low interest rates. Since you said that you could handle the 60 percent stock ratio I would recommend the Balanced Index Fund. I like Bogle's advice, buy it, and don't open the statements until it is time to retire.
by Vanguard Fan 1367
Tue Mar 21, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help With a Quote on Investment Advisors
Replies: 2
Views: 203

Help With a Quote on Investment Advisors

Churchill said, "never was so much owed by so many to so few." I have heard a quote that sounds like the Boglehead mantra that basically says that never was so much paid by so many for so poor results. Does anyone know a cleaner version of that quote and who said it? I am thinking Burt Mal...
by Vanguard Fan 1367
Tue Mar 21, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Skinny Ties
Replies: 14
Views: 1590

Re: Skinny Ties

livesoft wrote:It's odd to me that your ties have worn out. I still wear ties that I got more than 30 years ago.


I have ties older than that. :shock: But I haven't worn them that much. Right now I am an oddball and am in a tie mode.
by Vanguard Fan 1367
Tue Mar 21, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 16872

Re: Sitting on cash....Waiting for a crash

Doom&Gloom wrote:Ask and it shall be delivered.

Is it now time? Should one wait even longer? Will a bell ring?


The great Bogle thinks that you can and probably will damage your returns with market timing. Who are we to argue with him.
by Vanguard Fan 1367
Tue Mar 21, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: WSJ: S&P 500′s Rally Is Falling Behind the World
Replies: 15
Views: 3098

Re: WSJ: S&P 500′s Rally Is Falling Behind the World

I sure have benefited from reading John Bogle. I have a Vanguard Global Fund with an expense ratio of about .5 percent which is high in my Boglehead mind. And the great Bogle seems to be more comfortable avoiding non-US investments. But I wanted to keep my Global Fund to avoid capital gains taxes. S...
by Vanguard Fan 1367
Tue Mar 21, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Pre-Retirement Income & Post Retirement Expenses
Replies: 15
Views: 911

Re: Pre-Retirement Income & Post Retirement Expenses

Asking a handful of people on a notoriously rich and conservative site like this seems like​ a nearly useless way to gauge the 70% rule of thumb. Small sample size, biased sample, self selecting respondents... The Center For Retirement Research has 27 years of data showing the replacement rate is 7...
by Vanguard Fan 1367
Mon Mar 20, 2017 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4419

Re: Moving from Vanguard to Fidelity (probably)

I like having accounts at both Fidelity and Vanguard, that might be a possibility for you to consider.
by Vanguard Fan 1367
Mon Mar 20, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Credit Card Rewards Question
Replies: 5
Views: 584

Fidelity Credit Card Rewards Question

Bogleheads are a knowledgeable group and friendly and helpful. I was looking at a thread on Credit Cards Reward Strategy and figured that someone would know the answer to this question. Elan not too long ago took over Fidelity's credit card from Fia Card Services. I remember reading that they were g...
by Vanguard Fan 1367
Mon Mar 20, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Too much information! Where to begin?
Replies: 3
Views: 440

Re: Too much information! Where to begin?

'Good point about the emergency fund and buying a house. Just this weekend one of my employees found termites in her house. Unfortunately you cannot just go around the house with Raid and get rid of them.
by Vanguard Fan 1367
Mon Mar 20, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Advice for moving from financial advisor
Replies: 11
Views: 795

Re: Advice for moving from financial advisor

I am glad that your wife went along with the change. I have some friends who don't seem so excited about my Vanguard recommendations. It is pretty easy to look at the 1 percent fee that the advisor often charges plus the loads plus the expense ratios on the funds themselves and think, that is nothin...
by Vanguard Fan 1367
Mon Mar 20, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: S corp - 401K plan - profit sharing
Replies: 130
Views: 3579

Re: S corp - 401K plan - profit sharing

I wonder if someone could tell me what "EF" stands for. Thanks for the help.
by Vanguard Fan 1367
Mon Mar 20, 2017 7:19 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 16872

Re: Sitting on cash....Waiting for a crash

I understand OP's dilema. If you decided to wait and then the market goes up, it just feels too stupid to go back in. What if there is a market crash right after.That is even worse. More than 7/10ths of my asset is invested and I don't worry about it because I have long ways to go. I did get a wind...
by Vanguard Fan 1367
Sat Mar 18, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4419

Re: Moving from Vanguard to Fidelity (probably)

I got involved with an unwelcome capital gains tax thing when I sold some funds. I guess in today's world you can move your Vanguard Funds to Fidelity but if you have to sell anything with capital gains be aware that you might have some unwelcome taxes. That Fidelity Visa Rewards card rocks!! I spen...
by Vanguard Fan 1367
Sat Mar 18, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Advice: Overextending by buying? How much house to buy?
Replies: 54
Views: 4031

Re: Advice: Overextending by buying? How much house to buy?

Do as you wish, but don't assume anything, i.e. raises, being sure you won't be moving, job satisfaction, etc... It sounds like you guys are joining corporate medicine and I can GAURANTEE it won't be what you think going forward. Just realize buying this house will be like shackles attaching you to...
by Vanguard Fan 1367
Sat Mar 18, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1089

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

I have "heard" that Google drive gives a fair amount of storage for free. Anyone have experience with that? I don't want to update my Dropbox and it is full.
by Vanguard Fan 1367
Sat Mar 18, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Review of tax software for trusts and estates
Replies: 20
Views: 1167

Re: Review of tax software

I like the Turbotax Home and Business. Bought and downloaded from Amazon it is worth the cost and maybe a little cheaper than some places.
by Vanguard Fan 1367
Sat Mar 18, 2017 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestion to make it better
Replies: 8
Views: 611

Re: Suggestion to make it better

So since everyone keeps insisting about international. How about this? 1. 30.00% VTSMX Vanguard Total Stock Market Index Fund 10.00% VGSIX Vanguard REIT Index Fund 20.00% VISVX Vanguard Small-Cap Value Index Fund 20.00% VBMFX Vanguard Total Bond Market Index Fd 20.00% VGTSX Vanguard Total Internati...
by Vanguard Fan 1367
Sat Mar 18, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation in Retirement - Me 100% Stocks.
Replies: 53
Views: 2891

Re: Asset Allocation in Retirement - Me 100% Stocks.

My 90 year old mother in law has a high percentage of her assets in T Rowe Price Stock funds. I encouraged her not to do that a few years ago but so far the bear market has held off and she is looking pretty smart. Like the OP my mother in law doesn't need the money from her stock funds so she is h...
by Vanguard Fan 1367
Sat Mar 18, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Want to buy a used Mini Cooper-> Talk me into it?
Replies: 45
Views: 5121

Re: Want to buy a used Mini Cooper-> Talk me into it?

I have enjoyed cars with great reliability ratings from the Consumer Magazines. It sounds like the Mini Cooper isn't at the top of those ratings. I sure enjoyed my Corolla and my Camry.
by Vanguard Fan 1367
Sat Mar 18, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: Analyst Offers a Consultation
Replies: 13
Views: 1262

Re: Analyst Offers a Consultation

What would you do? I just rolled my traditional IRA to 401K. The brokerage analyst asked me why I would do that if this was not from another 401K. I explained about backdoor IRA without using the actual word. At the end she offered a complimentary consultation. This brokerage is of Vanguard caliber...
by Vanguard Fan 1367
Sat Mar 18, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Suggestion to make it better
Replies: 8
Views: 611

Re: Suggestion to make it better

I have some invested in Vanguard's REIT and a Vanguard Global Fund and some Vanguard Small Cap funds so I can see your logic. Your portfolio looks good to me. I got into the Global and the Small Cap and the REIT before I became a Boglehead so I might consider the below if I were investing today. (I ...
by Vanguard Fan 1367
Sat Mar 18, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Driving Savannah to New Orleans
Replies: 17
Views: 938

Re: Driving Savannah to New Orleans

If you do decide to take I-10 to New Orleans, it is well worth spending a day in Apalachicola, FL. It is an old river port city, where the Apalachicola River flows into the Gulf, very unspoiled and charming. It is famous for its oysters. Lovely neighborhoods with pre-Civil War homes; good restauran...
by Vanguard Fan 1367
Sat Mar 18, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation in Retirement - Me 100% Stocks.
Replies: 53
Views: 2891

Re: Asset Allocation in Retirement - Me 100% Stocks.

My 90 year old mother in law has a high percentage of her assets in T Rowe Price Stock funds. I encouraged her not to do that a few years ago but so far the bear market has held off and she is looking pretty smart. Like the OP my mother in law doesn't need the money from her stock funds so she is ha...
by Vanguard Fan 1367
Fri Mar 17, 2017 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Bond funds
Replies: 9
Views: 933

Re: Bond funds

I trust Vanguard and Corporate America. I like the 3.44% yield of the VICSX, the Vanguard Intermediate Corporate Bond Fund Buffett buff: please be aware that the yield of a bond fund is not necessarily what you will get, in a total return sense, over time. Thanks for your thoughts on the yield. In ...
by Vanguard Fan 1367
Fri Mar 17, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: S corp - 401K plan - profit sharing
Replies: 130
Views: 3579

Re: S corp - 401K plan - profit sharing

Would it be practical for those wanting more Safe Harbor Contributions to hire spouses. I like the Safe Harbor in my business because I can hire my spouse and both of us are eligible to put away 24k per year since we are over 50 and doing the catch up thing. Under 50 you are allowed 18k each. Your ...
by Vanguard Fan 1367
Thu Mar 16, 2017 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on these Indexes, ETFs, or mutual funds?
Replies: 14
Views: 1058

Re: Thoughts on these Indexes, ETFs, or mutual funds?

What about just splitting between Russell 2000 and Fidelity Spartan 500? Also, thoughts on EMD? I have had great success with FSTVX, Fidelity's Total Stock Market Index Fund. There is nothing wrong with splitting the Russell 2000 and the 500, I just like the way that Fidelity mixes it up with the T...
by Vanguard Fan 1367
Thu Mar 16, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: S corp - 401K plan - profit sharing
Replies: 130
Views: 3579

Re: S corp - 401K plan - profit sharing

Would it be practical for those wanting more Safe Harbor Contributions to hire spouses. I like the Safe Harbor in my business because I can hire my spouse and both of us are eligible to put away 24k per year since we are over 50 and doing the catch up thing. Under 50 you are allowed 18k each. Your q...
by Vanguard Fan 1367
Thu Mar 16, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4474

Re: Fidelity vs. Vangard?

At one time I had a number of different companies. Someone urged me to simplify. I have appreciated Vanguard but I did like Fidelity's 2 percent cash back Visa so I kept some of my business there. Now the Visa has dropped back a bit, I am not sure of the details, but the .045% ER on Fidelity's Total...
by Vanguard Fan 1367
Thu Mar 16, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Bond funds
Replies: 9
Views: 933

Re: Bond funds

I trust Vanguard and Corporate America. I like the 3.44% yield of the VICSX, the Vanguard Intermediate Corporate Bond Fund
by Vanguard Fan 1367
Thu Mar 16, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Why did VBILX (Intermediate Bond Fund) drop so much in late 2016?
Replies: 25
Views: 1208

Re: Why did VBILX (Intermediate Bond Fund) drop so much in late 2016?

I have a 75 Stock Fund 20 percent Bond fund and 5 percent Cash. Like an above poster, taking Bogle's recommendation to have a mix of stocks and bonds the overall mix did quite well. My Vanguard Intermediate Bond fund will come back. I also appreciate Bogle's thought in his books that it is a time fo...
by Vanguard Fan 1367
Wed Mar 15, 2017 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: New index fund investor
Replies: 23
Views: 1540

Re: New index fund investor

After reading Bogle's, "The John Bogle Reader" I wasn't sure that the Random Walk book would add anything. I started reading it recently and am finding it entertaining reading and giving me some different information. Both of those books would be a great help to anyone who thinks it is gre...
by Vanguard Fan 1367
Tue Mar 14, 2017 7:02 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 215
Views: 15847

Re: gratuitous homeownership items

At 2500 sq.ft. we are over-housed for most people, including most Americans. That said, we do use all the spaces. The formal dining room which we added in about 2000 is under utilized as a dining room (we used to host more dinner parties when DH was working) but makes a great project/craft room. Ye...
by Vanguard Fan 1367
Mon Mar 13, 2017 3:46 pm
Forum: Investing - Theory, News & General
Topic: Debate with friends on market timing, annuity, etc, thoughts?
Replies: 34
Views: 1764

Re: Debate with friends on market timing, annuity, etc, thoughts?

I knew a guy at work that sometimes invested that way. Normally he just invested in S&P500-like funds. But if a blue-chip company had problems, he would put a little money into them. Like back in the 1980s, many big NY banks like Chase Manhattan and Chemical Bank had lent too much money to Sout...
by Vanguard Fan 1367
Mon Mar 13, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: New index fund investor
Replies: 23
Views: 1540

Re: New index fund investor

OK, thanks for the replies and taking care of my rookie posting mistakes! I can say this account will be taxable and used for retirement in roughly 30 years. Would the account being taxable make some of my picks, like VNQ (REITs) undesirable? I believe that Jack Bogle isn't too excited about REITS....
by Vanguard Fan 1367
Mon Mar 13, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: New index fund investor
Replies: 23
Views: 1540

Re: New index fund investor

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