Search found 477 matches

by moneyman11
Sun Aug 20, 2017 8:32 am
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 71
Views: 6094

Re: IBonds: My worst bond investment over the last 5 years

As others have pointed out, OPs return calculation is obviously wrong, but about half the replies here are really poor and seem to ignore the miscalculation and offer advice on accepting sub-par returns. Come on bogleheaders, be better. Subpar compared to what? I-Bonds had less return than Investme...
by moneyman11
Sat Aug 19, 2017 12:23 pm
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 71
Views: 6094

Re: IBonds: My worst bond investment over the last 5 years

sambb wrote:
Sat Aug 19, 2017 12:14 pm
I am so glad i invested in munis instead of i-bonds, in the BH craze over these products years ago.
This is like saying "I'm so glad I invested in stocks instead of munis".

Munis and ibonds aren't even comparable and serve totally different purposes in a portfolio.
by moneyman11
Sat Aug 19, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 71
Views: 6094

Re: IBonds: My worst bond investment over the last 5 years

This thread is yet another example of what I've seen over and over again on bogleheads in my almost 10 years on here ...

Nothing confounds more otherwise investing-savvy people that real-return based investments (e.g. tips and ibonds).
by moneyman11
Sat Aug 19, 2017 11:47 am
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 71
Views: 6094

Re: IBonds: My worst bond investment over the last 5 years

I don't see a reason to buy I-bonds when they don't keep up with inflation. -bb But they have, and if you'd have read the thread before posting, you'd have discovered that. The problem is taxes. Unless you have a healthy fixed rate in you iBonds which has not been offered for several years now, you...
by moneyman11
Sat Aug 19, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 71
Views: 6094

Re: IBonds: My worst bond investment over the last 5 years

blueberry wrote:
Sat Aug 19, 2017 10:53 am
I don't see a reason to buy I-bonds when they don't keep up with inflation.

-bb
But they have, and if you'd have read the thread before posting, you'd have discovered that.
by moneyman11
Sat Aug 19, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 71
Views: 6094

Re: IBonds: My worst bond investment over the last 5 years

As others have pointed out, OPs return calculation is obviously wrong, but about half the replies here are really poor and seem to ignore the miscalculation and offer advice on accepting sub-par returns. Come on bogleheaders, be better.
by moneyman11
Sun Aug 13, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Healthequity HSA
Replies: 9
Views: 866

Re: Healthequity HSA

My employer uses them. I'm guessing yours is also an employer plan as you'd otherwise have chosen a different provider. Yes, they charge an extra fee for access to VG funds (0.3% annual in my account). But in my account that fee gets me access to institutional shares of key funds - TSM, TBM etc. Co...
by moneyman11
Thu Aug 03, 2017 1:16 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo - what the kittens?
Replies: 36
Views: 2766

Re: Wells Fargo - what the kittens?

Taking my personal information and opening other accounts? How am I supposed to "catch them at this."? I don't understand the lethargy of oh well, I'll just keep an eye on them. How do you keep an eye on accounts that you aren't getting a statement on? What personal information would they use to op...
by moneyman11
Thu Aug 03, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo - what the kittens?
Replies: 36
Views: 2766

Re: Wells Fargo - what the kittens?

mouses wrote:First they came for ... then they came for you.
You really think quotes originally used to call attention to genocide are applicable to the topic at hand?
by moneyman11
Thu Aug 03, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: Wells Fargo - what the kittens?
Replies: 36
Views: 2766

Re: Wells Fargo - what the kittens?

And why on earth would any one willingly do business with these folks? My choice to have my main checking account and several WellsTrade accounts with Wells Fargo is a result of the following formula: Personal value received by the accounts MINUS (Personal cost to me of any Wells Fargo shenanigans)...
by moneyman11
Mon Jul 31, 2017 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: $300k at 32. Doing well?
Replies: 14
Views: 2933

Re: How are they doing? $300k at 32

wannabogle wrote: Asset Allocation: 90% Stock, 10% Bond (can stay the course during bear markets and severe dips)

Hmmm ... at 32 years old, have they even seen a "bear market", let alone know how they'd act with 200k+ invested in 90% stock during one?
by moneyman11
Sat Jul 29, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Pool maintenance - which chemicals and how much?
Replies: 7
Views: 569

Re: Pool maintenance - which chemicals and how much?

I highly recommend this site, and its associated forums. It is the bogleheads.org of swimming pool maintenance ...

https://www.troublefreepool.com
by moneyman11
Thu Jul 20, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Switching iPhone to Android...PITA?
Replies: 55
Views: 3556

Re: Switching iPhone to Android...PITA?

protagonist wrote: I figure one day I will probably get a Windows phone (I am guessing that Windows will eventually surpass Apple as the dominant paradigm...I know...it's a bit like playing the market...).



Seeing this article - https://www.engadget.com/2017/07/11/win ... port-ends/ - remined me of this thread and prediction.
by moneyman11
Sun Jul 16, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: new money investment plan -- living expenses
Replies: 8
Views: 583

Re: new money investment plan -- living expenses

My bigger question is bond funds or CDs or money market. I've never done CDs, and am unsure. CDs and money market are quite different. A money market is effectively a zero duration bond fund. Buying CDs for the fixed income portion of your portfolio instead of a bond fund brings up many of the same...
by moneyman11
Sun Jul 16, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: new money investment plan -- living expenses
Replies: 8
Views: 583

Re: new money investment plan -- living expenses

Following on to my previous post, I'd say my number one suggestion is to simplify and forget tilting. Total Stock Total International ex-US One or the other of the bond index funds (Total Bond or Intermediate-Term Index) TIPS fund to the extent that you think you need it (though I believe social sec...
by moneyman11
Sun Jul 16, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: new money investment plan -- living expenses
Replies: 8
Views: 583

Re: new money investment plan -- living expenses

13 funds makes my brain hurt, but looks like you're a "tilter" so, ok. But I have to ask about this .... 17.7%, Vanguard Intermediate-Term Bond Index Fund Admiral , VBILX, 0.0007, bonds 16.4%, Vanguard Total Bond Market Index Fund Admiral , VBTLX, 0.0005, bonds Why not just pick one or the...
by moneyman11
Fri May 19, 2017 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Why invest in International Index Fund?
Replies: 39
Views: 4172

Re: Why invest in International Index Fund?

Alot (35.8%) of money is going into Vanguard Total International Stock Index Fund with no good returns. I would have made more money investing Vanguard Total Stock Market Index and some bonds, then putting all money in Vanguard Total International Stock Index Why invest in International Stock index...
by moneyman11
Tue Mar 28, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Not opting for 529... anyone else?
Replies: 175
Views: 11446

Re: Not opting for 529... anyone else?

Actually, that's a point I forgot to mention earlier. My wife and I think it is very important for the kid to have financial "skin in the game" when it comes to their education. I hear this quite a bit, to the point where it has become cliche .... and I totally disagree. Respect for the i...
by moneyman11
Sat Nov 07, 2015 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Have people who want early retirement actually BETA-TESTED it to see if you like it?
Replies: 13
Views: 1482

Re: Have people who want early retirement actually BETA-TESTED it to see if you like it?

I think satisfaction with retirement - whenever I take it - will be measured by my ability to find satisfaction in a life where I don't spend a significant part of my day providing goods and/or services for others (employers and/or customers). If I can't find way to do that, then I'd consider it a p...
by moneyman11
Fri Aug 22, 2014 4:42 pm
Forum: Personal Consumer Issues
Topic: Stopping Junk mail from USPS
Replies: 26
Views: 2787

Re: Stopping Junk mail from USPS

It's easy to put the junk mail in the recycle bin along with the yellow pages, etc. There are bigger fish to fry on the list of things that annoy you, I would hope... It's easy to not post a condescending reply that offers no help in accomplishing the OPs task. There are bigger fish to fry on the l...
by moneyman11
Tue May 13, 2014 2:39 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 93
Views: 7099

Re: Soylent

Bottom line though is there's nothing new here. Put porridge oats, milk, a vitamin tablet and maybe some whey protein in a blender and you have Soylent. It's all "real" food, no real research and development involved. Through the power of crowdfunding thousands of twits have paid this man...
by moneyman11
Tue May 13, 2014 2:27 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 93
Views: 7099

Re: Soylent

If it is delicious, it would do no harm to enjoy once in awhile so long as you don't overdo it and make it your staple diet. Have you come across anyone, anywhere - other than in the strawmen arguments of those repulsed by it - arguing that Soylent (or something like it) should be used in any other...
by moneyman11
Tue May 13, 2014 2:14 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 93
Views: 7099

Re: Soylent

Alex Frakt wrote:You seem determined to make a mountain out of a molehill.


I thought I was just responding to your comments, which were, in turn, a response to mine. I.e. a discussion.


Alex Frakt wrote:my actual thought is that Soylent is technically interesting which is reason enough to pursue it.


On that we agree.
by moneyman11
Tue May 13, 2014 1:41 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 93
Views: 7099

Re: Soylent

It's pretty clear there are people that think this new technology is an unnecessary, undesirable, expensive product only attractive to the rich and lazy. I don't believe the posts so far warrant this conclusion. Is there anything about Soylent (or food in general) that you've posted in this thread ...
by moneyman11
Tue May 13, 2014 1:22 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 93
Views: 7099

Re: Soylent

It's pretty clear there are people that think this new technology is an unnecessary, undesirable, expensive product only attractive to the rich and lazy.

However all new technologies start out that way. Including the very ones we're all using to discuss it on this forum.
by moneyman11
Tue May 13, 2014 1:18 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 93
Views: 7099

Re: Soylent

You brought up RUTFs (emergency foods), not me. No, a poster asked for other justifications for something like Soylent, and I provided a few. but it's not for "Emergencies, disasters, famines" as you posited. Of course it's not yet, but as I said, it is a new technology. It will progress....
by moneyman11
Tue May 13, 2014 12:37 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 93
Views: 7099

Re: Soylent

And what is the other argument? I'm at a loss. I'm not here to argue, nor am I trying to be difficult, and I apologize if I came off as snarky. Not my intent. I just don't get it, and I am trying to understand the appeal. Rapid, compact delivery of dense nutrition for Emergencies, disasters, famine...
by moneyman11
Tue May 13, 2014 12:26 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 93
Views: 7099

Re: Soylent

Some people live to eat, some people eat to live.

But if you are stuck on this idea of Soylent (or alternatives like it) being an everyday, or even frequent, choice over "real food" ... like I said, you are creating a straw man that is blinding you to its real possibilities.
by moneyman11
Tue May 13, 2014 12:22 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 93
Views: 7099

Re: Soylent

Rapid, compact delivery of dense nutrition for Emergencies, disasters, famines. This I understand (as I mentioned above). It would have to be made much more economical first. Of course .... every new "technology" begins as a new, expensive, niche product that many can't believe will ever ...
by moneyman11
Tue May 13, 2014 11:02 am
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 93
Views: 7099

Re: Soylent

And what is the other argument? I'm at a loss. I'm not here to argue, nor am I trying to be difficult, and I apologize if I came off as snarky. Not my intent. I just don't get it, and I am trying to understand the appeal. Rapid, compact delivery of dense nutrition for Emergencies, disasters, famine...
by moneyman11
Tue May 13, 2014 10:56 am
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 93
Views: 7099

Re: Soylent

I did read about it a while ago, linenfort, though I don't recall all the details. Perhaps if the world's resources are completely depleted (ok, by people like me who eat food) it will be the only alternative. But from the little I read, I see no reason that anybody who has access to food would wan...
by moneyman11
Wed May 07, 2014 5:19 pm
Forum: Personal Consumer Issues
Topic: Put down that smart phone; Log off!!
Replies: 25
Views: 4704

Re: Put down that smart phone; Log off!!

Someday all the people who remember what it was like before "smartphones" will be gone and this will no longer be a discussion and no one will care.

That is how society moves forward.
by moneyman11
Tue Apr 22, 2014 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank -- tried to assess ridiculous, trivial fee
Replies: 9
Views: 1926

Re: HSA Bank -- tried to assess ridiculous, trivial fee

Hey , thanks for posting this!

I opened an account with HSA Bank back in October and, prompted by your post, I went and checked my account activity and noticed I too got assessed a fee despite having over the limit deposited. Luckily I got a CS agent that was quick to offer a refund.
by moneyman11
Fri Mar 21, 2014 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Need help with AA - Retirement & College Planning
Replies: 18
Views: 1464

Re: Need help with AA - Retirement & College Planning

Vanguard Target Retirement Income Ret Acct – ER 0.92% Vanguard Target Retirement 2010 Ret Acct – ER 0.92% Vanguard Target Retirement 2015 Ret Acct – ER 0.92% Vanguard Target Retirement 2020 Ret Acct – ER 0.92% Vanguard Target Retirement 2025 Ret Acct – ER 0.93% Vanguard Target Retirement 2030 Ret A...
by moneyman11
Thu Mar 06, 2014 11:54 am
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 7025

Re: How Many Funds Do You Have in Taxable?

Nothing other than I Bonds in taxable.

After maxing out two 401k's, two Roth IRAs, and an HSA every year, the rest of post-expenses money went toward paying down mortgage ... and now that that is done, preparing for upcoming college costs.
by moneyman11
Thu Jan 02, 2014 1:37 pm
Forum: Investing - Theory, News & General
Topic: Expected Return of Gold
Replies: 44
Views: 4621

Re: Expected Return of Gold

I've found that people who want gold will continue to want gold regardless of any evidence provided. They will simply rationalize the data of the past, or their fears of the future, to fit their desire to buy gold. Your best hope is to try to convince them to limit their purchases to some inconseque...
by moneyman11
Thu Nov 14, 2013 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: what stock etf to buy now and avoid year end distributions
Replies: 14
Views: 1188

Re: what stock etf to buy now and avoid year end distributio

Here's a link to a Bogleheads wiki page with links to tables showing historical Vanguard stock fund distributions:

http://www.bogleheads.org/wiki/Category ... tributions
by moneyman11
Thu Nov 14, 2013 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: what stock etf to buy now and avoid year end distributions
Replies: 14
Views: 1188

Re: what stock etf to buy now and avoid year end distributio

Assuming you are talking just about long-term and short-term cap gains distributions, and not simply dividend distributions, then Vanguard Total Stock Market ETF (VTI) would be a good choice. It hasn't issued a cap gain distribution in all the years I've owned it (since 2005).
by moneyman11
Tue Nov 12, 2013 11:11 am
Forum: Investing - Theory, News & General
Topic: The Cheapest ETF in the World
Replies: 12
Views: 1696

Re: The Cheapest ETF in the World

I think this is a case where the P/E is low because people don't believe in the "E".
by moneyman11
Tue Sep 03, 2013 10:35 am
Forum: Investing - Help with Personal Investments
Topic: NOT saving for college
Replies: 112
Views: 11109

Re: NOT saving for college

If there's one thing there is never any shortage of in these "paying for college" threads it is self-righteousness.
by moneyman11
Tue Jul 23, 2013 3:56 am
Forum: Investing - Theory, News & General
Topic: Leaving Wells Fargo Brokerage
Replies: 53
Views: 11508

Re: Leaving Wells Fargo Brokerage

Wells Fargo took over our mortgage in 2002, and when they did I decided to give them a shot as our bank. I now have a PMA checking account, a taxable brokerage account, two rollover IRAs, two Roth IRA, two Education Savings accounts, and a Visa card. The mortgage has been paid off. All the brokerage...
by moneyman11
Fri Jul 19, 2013 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401(k) Question
Replies: 6
Views: 1294

Re: Solo 401(k) Question

401k, 403b, 457b, solo 401k, sar/sep, Roth IRA, Roth 401k, IRA ....

What a complete mess our retirement savings system is.
by moneyman11
Thu May 30, 2013 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Health Equity HSA
Replies: 22
Views: 6970

Re: Help with Health Equity HSA

My company has HealthEquity and I was as disgusted with the new choices as all here. I called the company and insisted to speak with someone involved in the decision making. No emails, no voicemails please. I was stunned when I actually did receive a personal call from a gentleman who said he was th...
by moneyman11
Thu May 02, 2013 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 8295

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

texasgal47 wrote: I'm a true Couch Potatoe Investor.


Dan Quayle, is that you? :)
by moneyman11
Sat Apr 27, 2013 1:45 pm
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 37003

Re: Meet Mr. Money Mustache, the man who retired at 30

I think the main thing that rubs me, and probably others, the wrong way about these "I'm successful, and here's how I did it" blogs is that not enough credit is given by the author to how much good old fashioned luck was involved in getting them where they are. MMM's attitude toward health...
by moneyman11
Fri Apr 26, 2013 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds: Paper or Electronic
Replies: 44
Views: 2567

Re: I-Bonds: Paper or Electronic

Ink on paper = security. Got it. But, please do try to stay to the left while the rest of us pass by. Sorry for the snark above ... without veering too far off topic, I work in a field where I see clearly favorable advances in technology constantly being held back because of (what I perceive as) ir...
by moneyman11
Fri Apr 26, 2013 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds: Paper or Electronic
Replies: 44
Views: 2567

Re: I-Bonds: Paper or Electronic

Ink on paper = security. Got it. But, please do try to stay to the left while the rest of us pass by.
by moneyman11
Fri Apr 26, 2013 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds: Paper or Electronic
Replies: 44
Views: 2567

Re: I-Bonds: Paper or Electronic

I wonder if there were the same concerns when holding stock shares in "street name" and electronically first started .... or having your equity investments pooled into one of those newfangled "mutual funds" .... rather than holding your own stock certificates in your safe deposit...
by moneyman11
Fri Apr 26, 2013 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds: Paper or Electronic
Replies: 44
Views: 2567

Re: I-Bonds: Paper or Electronic

If I can say so without seeming like I'm acting "superior" ... the fear of electronic savings bonds over paper is just fear of the misunderstood. Someone comfortable with technology is not only going to understand it better, they will also have better understanding of the steps needed to b...
by moneyman11
Fri Apr 26, 2013 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds: Paper or Electronic
Replies: 44
Views: 2567

Re: I-Bonds: Paper or Electronic

It's funny that the argument for pro-paper always comes down to creating the most compellingly frightful disaster scenario for going electronic. yes, people never get hacked or their identity stolen..: Who would be foolish enough to claim that? wait, sorry...I thought you were trying to argue that ...