Search found 1453 matches

by stevewolfe
Sun Feb 07, 2016 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: is it realistic for me to retire in 15 years?
Replies: 22
Views: 2128

Re: is it realistic for me to retire in 15 years?

TheTimeLord wrote:But really not a big believer in a life without a passion or focus.


So why does that passion and focus have to come from work? I think it's personally reasonable that everyone is different and folks might find that passion in hobbies, charity work, etc. - in addition to, or replacement of, work.
by stevewolfe
Sat Feb 06, 2016 7:51 am
Forum: Investing - Theory, News & General
Topic: What is up with Tech Industry?
Replies: 4
Views: 955

Re: What is up with Tech Industry?

Isn't the saying something like "Over the short term the market is a voting machine, over the long term the market is a weighing machine" (Benjamin Graham).

This is the danger of investing in individual stocks. Diversification is your friend.
by stevewolfe
Tue Jan 26, 2016 6:09 pm
Forum: Investing - Theory, News & General
Topic: At what point would you go from 70/30 to 100(stocks)/0(bonds) if you are in your late twenties
Replies: 48
Views: 3379

Re: At what point would you go from 70/30 to 100(stocks)/0(bonds) if you are in your late twenties

The stock market has not dropped enough yet for me to go 100/0 but it will get tempting soon. At what point, if any, would you considering making the jump if you have 30+ years left to invest? Makes no sense to me. Your asset allocation is based on your need, willingness and ability to take risk. S...
by stevewolfe
Tue Jan 26, 2016 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Bond Fund? Weirdly limited 401K choices.
Replies: 6
Views: 351

Re: Which Vanguard Bond Fund? Weirdly limited 401K choices.

FillorKill wrote:VBIIX


Agree with this recommendation. It's roughly 50% US government bonds and 50% corporate bonds with a maturity range of 5-10 years. It tracks relatively close to Total Bond with a little more volatility due to it's slightly longer duration. A fine option in my opinion.
by stevewolfe
Sat Jan 16, 2016 9:54 pm
Forum: Investing - Theory, News & General
Topic: Ibonds rates- something looks weird on TreasuryDirect
Replies: 6
Views: 949

Re: Ibonds rates- something looks weird on TreasuryDirect

Yes it will stay that way over the life of the bond. No, I don't think you are silly buying them as you have the money to invest - it is perfectly reasonable.

BTW, welcome to the forum. :beer
by stevewolfe
Sat Jan 16, 2016 9:32 pm
Forum: Investing - Theory, News & General
Topic: Ibonds rates- something looks weird on TreasuryDirect
Replies: 6
Views: 949

Re: Ibonds rates- something looks weird on TreasuryDirect

For example, May- July 2015 is 1.54%, but Ag-Oct is 0%, while it too should have been 1.54%. Same from Feb to April 2014. What am I missing there or is that a, gulp, bug? It's not a bug. The current six month rate for bonds purchased November 1, 2015 through April 30, 2016 is 1.54%. All outstanding...
by stevewolfe
Fri Jan 15, 2016 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: I-bond vs. cash question
Replies: 8
Views: 1084

Re: I-bond vs. cash question

In a vacuum I'd prefer the I-Bond. 3% real with essentially no risk trumps the flexibility of the other option. Of course I can't eat the I-Bond, but your disclaimer at the end seems to cover that.
by stevewolfe
Fri Jan 15, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 85
Views: 670

Re: Vanguard account access issues this evening?

Duplicate post of here.

Bottom line is the website is down and there is no ETA.
by stevewolfe
Fri Jan 15, 2016 8:08 pm
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 85
Views: 670

Re: Vanguard.com

corner559 wrote:I'm also having issues logging in. It just says "Your account information is temporarily unavailable."



Same for me... it gave a list of contact information, but I thought "I think I'll check bogleheads first..." :beer
by stevewolfe
Fri Jan 15, 2016 4:34 pm
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 10681

Re: Who's buyin' today?

Today I purchase Total Stock market index... It's payday...
by stevewolfe
Sat Jan 09, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Why plane fares so expensive???
Replies: 53
Views: 5006

Re: Why plane fares so expensive???

Depends on the route as well. Philly to Dallas Love field is currently $41 this morning for early February travel (each way per person). We paid 3x that a couple months ago during football season to go see the Cowboys.
by stevewolfe
Thu Jan 07, 2016 8:53 pm
Forum: Investing - Theory, News & General
Topic: Buying opportunity - Blow EF and buy??
Replies: 17
Views: 1602

Re: Buying opportunity - Blow EF and buy??

Use the money you would use to replace the emergency fund to invest and leave the emergency money alone. Best.
by stevewolfe
Tue Jan 05, 2016 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to not buy Goldman Sachs CDs?
Replies: 21
Views: 2194

Re: Any reason to not buy Goldman Sachs CDs?

1.76% 11-month CD available as recently as last week. 2.25% 25-month CD last September. 3% 3-year CD last October. Unless you must buy right now (why?), chances are one will come up that beats 3-year 1.75%. Right, so we agree it's a good rate right now (since it's not last week, October or Septembe...
by stevewolfe
Mon Jan 04, 2016 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to not buy Goldman Sachs CDs?
Replies: 21
Views: 2194

Re: Any reason to not buy Goldman Sachs CDs?

Super Hans wrote:Other than that the rates look relatively poor, I can't see any reason.


Compared to? The 3 year 1.75% CD above is better than any nationally available 3 year CD at depositaccounts.com. the five year US Treasury was at 1.73% today by comparison.
by stevewolfe
Mon Jan 04, 2016 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to not buy Goldman Sachs CDs?
Replies: 21
Views: 2194

Re: Any reason to not buy Goldman Sachs CDs?

prudent wrote:Do brokered CDs offer the option for early withdrawal?


Yes you have the option to sell early at the market price, however, there isn't a preset penalty like with a retail CD such as six months interest, etc. You may lose more, or if rates go down, you may sell at a profit.
by stevewolfe
Mon Jan 04, 2016 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to not buy Goldman Sachs CDs?
Replies: 21
Views: 2194

Re: Any reason to not buy Goldman Sachs CDs?

Timely for me as I plan to buy one tomorrow from Goldman Sachs. Curious for others feedback. There is nothing, other than FDIC limits, that I am aware of.
by stevewolfe
Sun Jan 03, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 73
Views: 7988

Re: Are Bogleheads Buying I-Bonds 2016?

There is a little more to it than that. For example, in our accounts, we want the bonds titled in both our names. That's not the default and there is no way to set it as the default (that I know of). Also, I want to be able to execute against bonds in my wife's account and have her set up the same. ...
by stevewolfe
Sun Jan 03, 2016 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 73
Views: 7988

Re: Are Bogleheads Buying I-Bonds 2016?

I just had a discussion yesterday about these very same issues with my wife. Her comment was "please sell the I-Bonds". She has no interest in treasury direct. Each year when we buy her allotment, I walk her through the login, buying with the proper titling, granting the access a few days ...
by stevewolfe
Fri Jan 01, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: Vacuum for hardwood
Replies: 46
Views: 2880

Re: Vacuum for hardwood

We use a Swiffer. I bought a pack of microfiber towels from autozone. Cut them in half and they work perfectly. Shake out and launder between uses. :beer
by stevewolfe
Thu Dec 31, 2015 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: A dead year, never get it back
Replies: 84
Views: 7246

Re: A dead year, never get it back

2015 has ended. A dead year for most investors and for index investors. A whole year gone we can never get back. Like having been holding cash. In fact, cash would have been better because that has no expense fees. We all want the average returns of the index in those funds, but now we are looking ...
by stevewolfe
Tue Dec 29, 2015 7:27 pm
Forum: Investing - Theory, News & General
Topic: TIPS Fund is Getting Hammered!
Replies: 71
Views: 8466

Re: TIPS Fund is Getting Hammered!

This thread reminds me of a video... He's dead Jim... Just think of this TIPS subject which has been beat to death as you watch it. :beer
by stevewolfe
Sat Dec 26, 2015 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: VG Total Stock vs TRP Cap Appreciation in a taxable account?
Replies: 12
Views: 1094

Re: VG Total Stock vs TRP Cap Appreciation in a taxable account?

We are big fans of PRWCX and have held it for 16 years or so. However, all of our shares are in tax deferred accounts. In taxable we own Vanguard Total Stock and FTSE all world ex-US. I personally wouldn't hold PRWCX in taxable. I'd follow the advice above and on the wiki about how to handle a posit...
by stevewolfe
Sun Nov 22, 2015 8:32 pm
Forum: Personal Consumer Issues
Topic: Best TV to buy
Replies: 96
Views: 9045

Re: Best TV to buy

We've been happy with our 40 inch Sony Bravia LCD smart TV in the living room as well as with an older 50 inch Toshiba plasma in the family room. I have a 32 inch Panasonic LCD in my office for streaming and games. Friends have Visio TVs and seem to like them. Be sure to buy the right size TV for yo...
by stevewolfe
Thu Oct 29, 2015 5:14 pm
Forum: Personal Consumer Issues
Topic: Replace safe Deposit Box with home safe?
Replies: 46
Views: 5039

Re: Replace safe Deposit Box with home safe?

Be careful of low cost consumer grade fireproof safes because many will cause documents inside to mold and mildew. I found this out the hard way. Use a bank sd box for important papers. Agreed. Depending on what you need to store, for example professionally graded and encapsulated cards, the best o...
by stevewolfe
Sun Oct 25, 2015 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Proven Non-Index Funds
Replies: 55
Views: 5086

Re: Proven Non-Index Funds

We have been very happy with T.Rowe Price Capital Appreciation (PRWCX) the last 16 years or so.
by stevewolfe
Sat Oct 24, 2015 5:22 pm
Forum: Personal Consumer Issues
Topic: Which Roku?
Replies: 38
Views: 3592

Re: Which Roku?

I want to get Hulu, but my bluray player does not support Hulu, only Netflix, which I have. My daughter suggests I get a Roku player to pick up Hulu. My tv has spare HDMI ports and is not a 4k machine. I have a wi-fi network installed. I don't care about gaming capability. I'm thinking all I need i...
by stevewolfe
Sat Oct 17, 2015 6:40 am
Forum: Personal Consumer Issues
Topic: How much would you be willing to pay someone to track your finances?
Replies: 41
Views: 3363

Re: How much would you be willing to pay someone to track your finances?

How much would you be willing to pay someone to track your finances? What do you spend on it now in terms of time and money? Nothing. This is one of those things that you need to do yourself in my opinion. We did this for about five years, got into good spending habits and then stopped. We were in ...
by stevewolfe
Wed Oct 14, 2015 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Use Cd's in IRA instead of bonds
Replies: 37
Views: 2955

Re: Use Cd's in IRA instead of bonds

I think many/most here consider Bonds/CD's/TIPS/Stable Value funds/ as all "bonds" in the AA sense. I definitely do. JW This is what I do too. I don't care so much about whether or not traditional bonds outperform my mix of the above - the heavy lifting is on the stock side of the portfol...
by stevewolfe
Fri Sep 18, 2015 6:37 pm
Forum: Investing - Theory, News & General
Topic: What does the market want?
Replies: 36
Views: 2605

Re: What does the market want?

I've become a bit frustrated with the market reactions concerning interest rates and jobs numbers. Why? Why feel a personal reaction to day to day movements in the market? If rates go up, stocks will go down because the cost of borrowing goes up. If rates stay the same, stocks still go down because...
by stevewolfe
Mon Sep 07, 2015 6:33 am
Forum: Investing - Theory, News & General
Topic: too much money in indexes?
Replies: 9
Views: 933

Re: too much money in indexes?

I don't think there is any danger of everyone going 100% indexed. Just search here and see lots of folks using active funds like Wellington, Wellesley, short term investment grade, various stable value funds, etc. And not just from Vanguard as the are other funds mentioned here often from T. Rowe Pr...
by stevewolfe
Sun Sep 06, 2015 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Ibonds to Vanguard short term inflation protected bond
Replies: 9
Views: 1035

Re: Ibonds to Vanguard short term inflation protected bond

Steve, I wanted to point out that you may not understand how ibonds work, or you miss wrote what you meant. And I would suggest keeping the ibonds. ibonds for sale during the current 6mo window have a 0% fixed rate, but at most you would have only bought one year's worth. Maybe $20k. However, you s...
by stevewolfe
Sun Sep 06, 2015 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Ibonds to Vanguard short term inflation protected bond
Replies: 9
Views: 1035

Re: Ibonds to Vanguard short term inflation protected bond

I wouldn't rely on the 0.36% SEC yield reported by the Vanguard Short-Term Inflation-Protected Securities Index Fund Admiral Shares (VTAPX) . This fund holds the 15 TIPS that mature within the next five years. Its reported SEC yield is basically the weighted average yield-to-maturity (YTM) of these...
by stevewolfe
Sat Sep 05, 2015 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Ibonds to Vanguard short term inflation protected bond
Replies: 9
Views: 1035

Re: Ibonds to Vanguard short term inflation protected bond

Yes that is true. I may be able to shift some stocks from tax deferred to taxable and purchase VTAPX in a tax deferred account to offset that tax issue.
by stevewolfe
Sat Sep 05, 2015 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Ibonds to Vanguard short term inflation protected bond
Replies: 9
Views: 1035

Ibonds to Vanguard short term inflation protected bond

Hello all, We have been acquiring Ibonds for a number of years now in paper form and in electronic since paper was discontinued. Thus we have about half of our bonds with a fixed rate of 0.00%. Lately I've been watching Vanguard Short term inflation protected bond (VTAPX). Currently it's SEC yield h...
by stevewolfe
Sat Sep 05, 2015 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Confession time.....no stocks
Replies: 60
Views: 6024

Re: Confession time.....no stocks

Is there any harm to averaging in? You know how you behaved before, so going in with a 25% (or whatever you are considering...) stock investment would seem problematic. You'd likely be better off leaving the existing investments alone and just directing new investment monies to stocks. However, befo...
by stevewolfe
Sat Aug 29, 2015 12:40 pm
Forum: Investing - Theory, News & General
Topic: Wellington (and PRWCX) - bonds complement stocks?
Replies: 9
Views: 1087

Re: Wellington (and PRWCX) - bonds complement stocks?

We've been investors in T. Rowe Price Capital Appreciation for 16 years or so and its a core holding of ours. I think their philosophy is to leverage their internal analysts to uncover the best ideas and then they concentrate on those. Typically the equity side is 60 or so stocks. Bond side ranges f...
by stevewolfe
Sat Aug 22, 2015 12:12 pm
Forum: Investing - Theory, News & General
Topic: A warning on RBDs [Really Bad Days]
Replies: 48
Views: 8195

Re: A warning on RBDs [Really Bad Days]

Or they will say it was high for years, many times, and, while eventually correct, it isn't actionable on a day to day basis. “I’ve been very wary about advising people to pull out of the market even though my CAPE ratio is at one of the highest levels ever in history,” Shiller told Bloomberg in Apr...
by stevewolfe
Sat Aug 22, 2015 12:03 pm
Forum: Investing - Theory, News & General
Topic: How long will you"Stay the Course"?
Replies: 99
Views: 9306

Re: How long will you"Stay the Course"?

Other than being an interesting discussion, it's wholly unknowable. Best intentions aside, are you talking great depression type of environment ahead? No one can know what their individual circumstances may be in the future. So within reason, stay the course, but I don't know what the future holds, ...
by stevewolfe
Sat Aug 22, 2015 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard forms - cap letters and black ink
Replies: 14
Views: 1160

Re: Vanguard forms - cap letters and black ink

No, I've not heard of that here or elsewhere. However, when we filled them out we just went ahead and did it that way since it was a simple enough thing to accommodate.
by stevewolfe
Fri Aug 21, 2015 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: With Stock Market heading south
Replies: 95
Views: 11716

Re: With Stock Market heading south

The IPS really does help you hold your feet down and not do something you'll regret.
by stevewolfe
Fri Aug 21, 2015 3:01 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10612

Re: anyone treating this as an RBD (really bad day)

I did a tax loss harvest today on international side.
Bought on the domestic stock side.
by stevewolfe
Sat Aug 08, 2015 1:29 pm
Forum: Investing - Theory, News & General
Topic: What Did You Do In The 2008/2009 Stock Market Crash?
Replies: 51
Views: 4309

Re: What Did You Do In The 2008/2009 Stock Market Crash?

What I'm curious is how do you BogleHeads handle this? When you realized things where tanking and funds where loosing a lot of money did you change your current portfolio to more bonds/money market to avoid some of the losses with the equity crash and keep buying new equities while they where falli...
by stevewolfe
Fri Aug 07, 2015 8:53 pm
Forum: Personal Consumer Issues
Topic: Comcast Offers-whats the catch?
Replies: 26
Views: 2654

Re: Comcast Offers-whats the catch?

The only catch is probably that you become a Comcast customer. I wouldn't wish that on my worst enemy. This. When I go to my bank I can reach over the counter and touch a teller (not recommended) - no obstructions just air. When I go to my local Comcast office they are behind thick glass and you ha...
by stevewolfe
Fri Aug 07, 2015 3:51 pm
Forum: Forum Issues and Administration
Topic: [deleted] [SUGGESTION: Include basic stats (age, net worth, asset allocation)... when they post]
Replies: 27
Views: 1924

Re: SUGGESTION: Include basic stats (age, net worth, asset allocation) in one's portfolio when they post

rca1824 wrote:It would be nice if this card (which has empty space) included a user's basic stats: their age, their net worth, and their asset allocation.

It would lend a lot of credibility to people's opinions


I think this is a bad idea on many levels and would not share those details personally.
by stevewolfe
Sun Aug 02, 2015 9:00 pm
Forum: Investing - Theory, News & General
Topic: [How often do you check on your investments?]
Replies: 43
Views: 2364

Re: [How often do you check on your investments?]

On most business days after 6:00 pm... Look but don't touch :beer
by stevewolfe
Sun Aug 02, 2015 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Is Is Wise Not To Factor Social Security/Medicare Into Your Retirement Plans?
Replies: 20
Views: 1706

Re: Is Is Wise Not To Factor Social Security/Medicare Into You Retirement Plans?

I factor it in. However I modify the amount to match the disclaimer that says something to the effect that without changes to the program, tax revenue will cover only 77% of promised benefit. That is the number I use.
by stevewolfe
Sun Aug 02, 2015 2:49 am
Forum: Investing - Theory, News & General
Topic: "20 People You Don't Want to Invest With" by Ben Carlson
Replies: 8
Views: 1746

Re: "20 People You Don't Want to Invest With" by Ben Carlson

Browser wrote:The way I read it, some of those might apply to Bogleheads as well :confused

Particularly number 9...
by stevewolfe
Sun Jul 26, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 196
Views: 14902

Re: Would you look down on a co-worker for driving a beater?

I had a corolla that was 11 years old and had 238k miles on it. If my peers looked down on me for what I drove it didn't stop them from seeking my assistance and / or expertise. I currently have a 7 year old corolla with 125k miles and plan to keep it as long as possible. I'm a software developer an...
by stevewolfe
Sun Jul 26, 2015 10:32 am
Forum: Investing - Theory, News & General
Topic: Is the commodity implosion foretelling a stock market crash?
Replies: 28
Views: 3229

Re: Is the commodity implosion foretelling a stock market crash?

I doubt that it's foretelling a stock market crash, but I'd be happy if it were. My savings rate is very high, and I'll be a net saver for many years to come. Buying low beats buying high. Assuming the crash doesn't, I don't know, cost you your job or business. Then I guess it'll no longer be a cra...
by stevewolfe
Fri Jul 24, 2015 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard and CDs
Replies: 6
Views: 1203

Re: Vanguard and CDs

1) What is the difference between new issue and secondary market from any perspective (e.g., one is new and the other is resold?; risk) A new issue brokered CD can be purchased in your brokerage account (note - you need a brokerage account to purchase CD's) with no commission. Purchasing a brokered...

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