Search found 153 matches

by sddiehard
Thu May 17, 2018 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Intermediate Treasuries?
Replies: 26
Views: 4557

Re: Total Bond vs Intermediate Treasuries?

May want to look at this paper: https://www.onefpa.org/journal/Pages/DE ... Bonds.aspx. I found it helpful with this question.

Paul
by sddiehard
Thu May 17, 2018 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%
Replies: 26
Views: 3187

Re: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%

As of right now on the Ally website it looks like the No-Penalty (11 mo.) CD is 1.50%, not 1.75%. Things change. VMMXX is 1.85%.

Just an observation,

Paul
by sddiehard
Tue May 15, 2018 3:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 8919

Re: Yes, I'm 89 all right!

Happy Birthday! Look forward to to seeing you this October.

Paul & Linda
by sddiehard
Mon Apr 30, 2018 9:35 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread - San Diego Bogleheads
Replies: 15
Views: 5078

Re: Master Thread - San Diego Bogleheads

Our next meeting is Monday, May 21, noon--2:00 in the Community Room of the San Diego County Credit Union.** No need to RSVP. Please park on the (slightly) upper lot and walk the 8 steps down to the facility. Enter through their east facing door. The meeting room is immediately to the right. SDCCU h...
by sddiehard
Mon Mar 05, 2018 5:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread - San Diego Bogleheads
Replies: 15
Views: 5078

Re: Master Thread - San Diego Bogleheads

Our next meeting is Monday, March 19, noon--2:00 in the Community Room of the San Diego County Credit Union.** No need to RSVP. Please park on the (slightly) upper lot and walk the 8 steps down to the facility. Enter through their east facing door. The meeting room is immediately to the right. SDCCU...
by sddiehard
Mon Jan 08, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: Corporate bonds vs. Treasuries
Replies: 52
Views: 4996

Re: Corporate bonds vs. Treasuries

Very interesting post. One more point to add. If you have an equity dominated portfolio, say 90/10, 80/20, 75/25, a case can be made for a very high or even 100% allocation to Treasuries in the bond portfolio. In that case you have considerable equity risk and also considerable upside appreciation ...
by sddiehard
Sat Jan 06, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Corporate bonds vs. Treasuries
Replies: 52
Views: 4996

Re: Corporate bonds vs. Treasuries

Here is another article I found helpful in deciding how much Corporate vs Treasuries in our bond asset allocation. My concern, possibly like SimpleGift, is with increased equity allocation, and not wanting to sell equities to re-balance, will increasing treasuries maintain similar portfolio risk? ht...
by sddiehard
Fri Dec 29, 2017 1:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread - San Diego Bogleheads
Replies: 15
Views: 5078

Re: Master Thread - San Diego Bogleheads

Our next meeting is Monday, January 22, noon--2:00 in the Community Room of the San Diego County Credit Union.** Jon Luskin will be making a presentation on "U.S. Government vs. Corporate Bonds". He’d like to videotape himself; he’s practicing his speaking skills while sharing his research on this t...
by sddiehard
Sat Dec 09, 2017 5:33 pm
Forum: Investing - Theory, News & General
Topic: Examining Total Portfolio Performance: U.S. Government Vs. Corporate Bonds
Replies: 2
Views: 412

Examining Total Portfolio Performance: U.S. Government Vs. Corporate Bonds

I found this paper by John Luskin of interest and personally helpful. https://www.onefpa.org/journal/Pages/DEC17-Examining-Total-Portfolio-Performance-U-S--Government-Vs--Corporate-Bonds.aspx . Jon is a CFP and San Diego Boglehead. There has been a number of forum discussions on Gov't vs corporate b...
by sddiehard
Tue Oct 24, 2017 1:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread - San Diego Bogleheads
Replies: 15
Views: 5078

Re: Master Thread - San Diego Bogleheads

Our next meeting is Monday, November 13, noon--2:00 in the Community Room of the San Diego County Credit Union.** No need to RSVP. Please park on the (slightly) upper lot and walk the 8 steps down to the facility. Enter through their east facing door. The meeting room is immediately to the right. S...
by sddiehard
Mon Oct 09, 2017 11:03 pm
Forum: Investing - Theory, News & General
Topic: An audience with Jack Bogle:
Replies: 2
Views: 600

An audience with Jack Bogle:

A short article / interview with Jack Bogle with a reference to the Bogleheads forum.

https://www.fnlondon.com/articles/an-au ... g-20171009

Paul
by sddiehard
Wed Aug 30, 2017 8:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread - San Diego Bogleheads
Replies: 15
Views: 5078

Re: Master Thread - San Diego Bogleheads

Our next meeting is Monday, September 18, noon--2:00 in the Community Room of the San Diego County Credit Union.** No need to RSVP. Please park on the (slightly) upper lot and walk the 8 steps down to the facility. Enter through their east facing door. The meeting room is immediately to the right. S...
by sddiehard
Sat Aug 26, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: FYI: Trusts At Ally Bank
Replies: 2
Views: 655

Re: FYI: Trusts At Ally Bank

Also note that for Trust accounts, Ally's policy is to send statements via snail mail, even when requested to use e-statements only.

Paul
by sddiehard
Tue Aug 01, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution to satisfy RMD
Replies: 43
Views: 4043

Re: Contribution to satisfy RMD

Does anyone know if you can use Fidelity's check writing ability to make a QCD contribution by writing a check directly to the charity and avoid having to make a check request, etc? I believe Fidelity lets you write checks directly from an IRA. If you have check writing authority on your IRA accoun...
by sddiehard
Thu Jun 29, 2017 5:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread - San Diego Bogleheads
Replies: 15
Views: 5078

Re: Master Thread - San Diego Bogleheads

Our next meeting is Monday, July 17, noon--2:00 in the Community Room of the San Diego County Credit Union.** No need to RSVP. Please park on the (slightly) upper lot and walk the 8 steps down to the facility. Enter through their east facing door. The meeting room is immediately to the right. SDCCU ...
by sddiehard
Thu Apr 20, 2017 4:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread - San Diego Bogleheads
Replies: 15
Views: 5078

Re: Master Thread - San Diego Bogleheads

Our next meeting is Monday, May 15, noon--2:00 in the Community Room of the San Diego County Credit Union.** No need to RSVP. Please park on the (slightly) upper lot and walk the 8 steps down to the facility. Enter through their east facing door. The meeting room is immediately to the right. SDCCU h...
by sddiehard
Thu Feb 23, 2017 4:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread - San Diego Bogleheads
Replies: 15
Views: 5078

Re: Master Thread - San Diego Bogleheads

Our next meeting is Monday, March 13, noon--2:00 in the Community Room of the San Diego County Credit Union.** Please park on the (slightly) upper lot and walk the 8 steps down to the facility. Enter through their east facing door. The meeting room is immediately to the right. SDCCU has a Community ...
by sddiehard
Wed Jan 04, 2017 6:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread - San Diego Bogleheads
Replies: 15
Views: 5078

Re: Master Thread - San Diego Bogleheads

Happy 2017! Our next meeting is Monday, January 23, noon--2:00 in the Community Room of the San Diego County Credit Union.** Please park on the (slightly) upper lot and walk the 8 steps down to the facility. Enter through their east facing door. The meeting room is immediately to the right. SDCCU ha...
by sddiehard
Fri Nov 11, 2016 3:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread - San Diego Bogleheads
Replies: 15
Views: 5078

Re: Master Thread - San Diego Bogleheads

Our next meeting is Monday, November 14, noon--2:00 in the Community Room of the San Diego County Credit Union.** We will likely spend some time hearing about the Bogleheads Conference from our local attendees. SDCCU’s only stipulation for our free use of the facilities is that we park in the upper ...
by sddiehard
Fri Jul 01, 2016 9:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread - San Diego Bogleheads
Replies: 15
Views: 5078

Re: Master Thread - San Diego Bogleheads

Our next meeting is Monday, July 18, noon--2:00 in the Community Room of the San Diego County Credit Union.** Please park on the (slightly) upper lot and walk the 8 steps down to the facility. Enter through their east facing door. The meeting room is immediately to the right. SDCCU has a Community M...
by sddiehard
Wed Jun 22, 2016 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa Online Access
Replies: 30
Views: 3328

Re: Costo Visa Online Access

I activated the card last week and registered for the online account yesterday. No issues. I had no issues as well. Easy to access. Also have another (no being used) CitiCard. Maybe best to access Costco Visa online as a new account with new username and password. At least that is what I did withou...
by sddiehard
Thu Jun 02, 2016 2:14 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Developed Markets Index Fund now tracking new FTSE index."
Replies: 22
Views: 3618

Re: "Vanguard Developed Markets Index Fund now tracking new FTSE index."

I wish I had never bought into this fund.... Vanguard's style drift on this one is disgraceful! +1 +2 I bought this fund when it was the tax managed version. Now they have changed it twice. However, tax managed means a taxable account and I have unrecognized gains equal to about 35% of the value. S...
by sddiehard
Tue May 31, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 204
Views: 41976

Re: Liking the new Citi CC at Costco

Not here. Thought it was an interesting way to get an okay to send all sorts of advertising.
by sddiehard
Mon Apr 11, 2016 12:47 pm
Forum: Investing - Theory, News & General
Topic: "Fund Hits Its Redemption Level"
Replies: 1
Views: 872

Re: "Fund Hits Its Redemption Level"

Taylor,

Thanks for the article.

I was able to find this link: http://www.wsj.com/articles/a-2-5-billi ... 1460280602

Paul
by sddiehard
Mon Mar 28, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Renting a car when you don't own a car and therefore have no personal car insurance.
Replies: 8
Views: 2032

Re: Renting a car when you don't own a car and therefore have no personal car insurance.

My son uses a program through his American Express card that automatically will add auto insurance when renting a car. He has been using a Costco AmEx and when it ends, will get a new AmEx card solely for this benefit. Don't have more details, but may want to check further.

Paul
by sddiehard
Sat Feb 20, 2016 1:58 pm
Forum: Investing - Theory, News & General
Topic: 2016 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 118
Views: 21525

Re: 2016 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Kathleen: Your e-mail and Mel's badgering touches me greatly. I will request Registration Forms from Gail Cox immediately. I believe our family would also like to attend what has always been a high-point of our lives. Thank you for the "push." Best wishes. Taylor At last! The answer we all have bee...
by sddiehard
Wed Jan 13, 2016 3:40 pm
Forum: Investing - Theory, News & General
Topic: are we headed for a huge crash?
Replies: 24
Views: 3388

Re: are we headed for a huge crash?

Can always view a market decline as a buying opportunity, like "stocks on sale".

Paul
by sddiehard
Thu Dec 31, 2015 3:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread - San Diego Bogleheads
Replies: 15
Views: 5078

Re: Master Thread - San Diego Bogleheads

Our next meeting is Monday, January 11, 2016 noon--2:00 in the Community Room of the San Diego County Credit Union.** Please RSVP if you intend to join us to: bzribee@yahoo.com (Keeper Of the List) As part of our agreement with the Credit Union, we park on the (slightly) upper lot and walk the 8 ste...
by sddiehard
Tue Dec 01, 2015 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 53700

Re: Vanguard TurboTax - Not Available 2015?

I've used [(removed) -- admin LadyGeek] the past couple years. The name sounds gimmicky, but I've been happy with it. They don't restrict access to any forms, it's all one-tier pricing (free federal and $12.95 state). It looks like they'll import prior-year TurboTax returns. Looks interesting and i...
by sddiehard
Tue Dec 01, 2015 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 53700

Re: Vanguard TurboTax - Not Available 2015?

Please correct me if I read it wrong... TaxAct includes a state return (other than "free" product) in the download version, but is extra in the online version? Would expect it to be the Paul Looks that way to me. I'll also note that Tax Act doesn't have a Mac download. So, for me, I'll have to comp...
by sddiehard
Tue Dec 01, 2015 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 53700

Re: Vanguard TurboTax - Not Available 2015?

Please correct me if I read it wrong... TaxAct includes a state return (other than "free" product) in the download version, but is extra in the online version? Would expect it to be the reverse. download: http://www.taxact.com/tax-preparation/ online: http://www.taxact.com/taxes-online/ Thanks, Paul
by sddiehard
Tue Nov 24, 2015 4:17 pm
Forum: Investing - Theory, News & General
Topic: CalPERS $3.4 Billion in investment fees
Replies: 16
Views: 2896

CalPERS $3.4 Billion in investment fees

An interesting (and annoying, being a CA resident) article about fees spent for risky investments... http://www.latimes.com/business/la-fi-calpers-private-equity-fees-20151124-story.html A quote at the end: "Caught in the middle are taxpayers, who must make up for investment shortfalls" They definit...
by sddiehard
Sun Aug 30, 2015 5:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread - San Diego Bogleheads
Replies: 15
Views: 5078

Re:San Diego Bogleheads - meeting

The next San Diego Bogleheads meeting will be Monday, September 21, 2015 (SDCCU-Encinitas, Community Room, 12:00-2:00p)

Please RSVP to: bzribee@yahoo.com.
by sddiehard
Fri Aug 14, 2015 4:59 pm
Forum: Personal Consumer Issues
Topic: Carry on luggage
Replies: 99
Views: 15886

Re: Carry on luggage

I second checking out Rick Steves' bags. https://store.ricksteves.com/shop/travel-bags

We've been using them for years. The new rolling bag is now 20". (I have the Convertible Carry-On and find it easier to use than those with wheels.)

Paul
by sddiehard
Sun Aug 09, 2015 10:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 67
Views: 10066

Re: Congrats to Laura Dogu

Yes...congratulations! Laura does us proud.

(FYI...I believe the swearing in is August 12.)

Paul
by sddiehard
Wed Aug 05, 2015 3:50 pm
Forum: Personal Consumer Issues
Topic: Ireland & Scotland tour
Replies: 19
Views: 2528

Re: Ireland & Scotland tour

May want to look at Smartours. We have done 11 tours with them, including Ireland, and have been quite happy. It is a well run, good value, no nonsense operation.

https://www.smartours.com/tour/spectacular-scotland/

https://www.smartours.com/tour/magical-ireland/

Have fun,

Paul
by sddiehard
Thu Jul 23, 2015 11:24 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread - San Diego Bogleheads
Replies: 15
Views: 5078

Master Thread - San Diego Bogleheads

The San Diego Bogleheads local chapter usually meets on the 3rd Monday of the odd calendar months, from 12:00noon to 2:00pm, in the Community Room at the San Diego County Credit Union, Encinitas Branch. Please park in the upper lot (it's quite close to the entrance) and enter through the east facing...
by sddiehard
Thu Jul 16, 2015 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market vs. Vanguard Dividend Growth
Replies: 20
Views: 8534

Re: Total Stock Market vs. Vanguard Dividend Growth

Listen and consider Taylor's advice. One of wisest people to get investing help from.

Paul
by sddiehard
Mon Feb 09, 2015 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Should I put a Credit Freeze on my accounts?
Replies: 37
Views: 5755

Re: Should I put a Credit Freeze on my accounts?

hirlaw wrote:My wife and I both put on a Credit Freeze at all 3 agencies about 5 years ago.

We have seen no downside. There may be a small inconvenience if you are planning on applying for loans or credit cards, but it is easy to temporarily lift the freeze.
+1

We did the same 8 years ago and agree.

Paul
by sddiehard
Fri Feb 06, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 5519

Re: TurboTax fraud?

Seems like this could happen with any tax software. Why are they singling out TurboTax and not TaxCut or any other program? Excellent point. At one time efile originators did not file a State return until the Federal return was accepted. I don't know if that restriction is still in effect. Will the...
by sddiehard
Mon Feb 02, 2015 11:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: SoCal Bogleheads chapter
Replies: 4
Views: 1779

Re: SoCal Bogleheads chapter

There has been a San Diego chapter since about 2006. We usually meet the third Monday of the odd months. All Bogleheads are welcome. San Diego Area Bogleheads will be meeting on Monday, March 16, 2015, Noon - 2 PM at the Encinitas (San Diego County) Library, 540 Cornish Drive, Encinitas, CA. Chapter...
by sddiehard
Mon Dec 29, 2014 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 92
Views: 20715

Re: Vanguard Turbo Tax prices anounced

Yes, it looks like the Vanguard web site now reflects for Flagship - Premier Desktop download version "Complementary (State included)". The Online version is still $9.99. viewtopic.php?f=2&t=152326&start=50

Tex and harryw, thanks for noticing this.

Paul
by sddiehard
Wed Dec 17, 2014 4:59 pm
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 42
Views: 13090

Re: No Foreign Fee Credit Card - Exchange Rate

Found this to be informative: http://www.creditcards.com/credit-card-news/credit-card-foreign-transaction-fees-disappearing-1280.php Also good is this from Rick Steves' site: https://www.ricksteves.com/travel-tips/money/card-fees We use a smaller bank (Visa) credit card for purchases and an asset ma...
by sddiehard
Mon Sep 22, 2014 10:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: New San Diego Local Chapter Coordinator
Replies: 3
Views: 1238

Re: New San Diego Local Chapter Coordinator

skarjrishma,

Contact Bari at bzwirn@me.com. As Mel said, she is the new San Diego Chapter coordinator and will be able to get you the info.

BTW, the next meeting 12:00 - 2:00p, Nov 17 at the Encinitas Library.

Paul
by sddiehard
Thu May 08, 2014 7:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday John C. Bogle !
Replies: 37
Views: 3121

Re: HAPPY BIRTHDAY JOHN C. BOGLE !

Happy Birthday, Jack.

You are the man who makes all my birthdays financially easy to face.

Thank you....

Paul
by sddiehard
Wed Feb 19, 2014 2:54 pm
Forum: Investing - Theory, News & General
Topic: The growing case against ETFs
Replies: 3
Views: 823

Re: The growing case against ETFs

sscritic,

Thanks for the previous forum posted link. Looked to see if anything was posted before I posted and missed it.

Paul
by sddiehard
Wed Feb 19, 2014 1:38 pm
Forum: Investing - Theory, News & General
Topic: The growing case against ETFs
Replies: 3
Views: 823

The growing case against ETFs

Saw this article by Chuck Jaffe today and thought some may find it interesting. It reflects and refers to Jack Bogle's current views on ETFs.

http://www.marketwatch.com/story/the-gr ... genumber=2

Paul
by sddiehard
Wed Feb 19, 2014 1:22 pm
Forum: Investing - Theory, News & General
Topic: Third in the AA series on CBS--need to take risk
Replies: 5
Views: 878

Re: Third in the AA series on CBS--need to take risk

Larry, Thanks for the update and refresher from your book "The Only Guide You’ll Ever Need to the Right Financial Plan." It was really good to read in today's market atmosphere (especially, for me personally).

Paul
by sddiehard
Sat Jan 25, 2014 6:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 32463

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Linda and I want to wish you a very happy and healthy birthday. This is a big one and you have come through quite a lot to reach the amazing age of . . .90? Wow!

Paul
by sddiehard
Sun Jan 19, 2014 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Virtual Office
Replies: 6
Views: 1249

Re: Vanguard Virtual Office

Hi Huey, sorry I couldn't respond sooner. Fortunately livesoft posted the video link. In response to Sidney, it is my understanding that Vanguard feels, again as livesoft stated, many want to be able to have a face-to-face interaction with a rep. Also, as shown in the video, one can go over document...