Search found 1067 matches

by SeeMoe
Sat May 16, 2020 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trading Day Times?
Replies: 4
Views: 618

Re: Vanguard Trading Day Times?

Thank you for that information. I thought this was the case, and still was for years now! It it evidently changed long ago...?
Moe... :oops:
by SeeMoe
Fri May 15, 2020 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trading Day Times?
Replies: 4
Views: 618

Vanguard Trading Day Times?

Q. Did Vanguard at one time have a 2:PM cutoff time in order for you to lock-in that days NAV? Seems to me that at one time this was the case, and if you bought into a fund after 2:PM it was to late and you got the next days closing NAV at the market close. Is that correct? If so, when did Vanguard ...
by SeeMoe
Fri May 15, 2020 8:56 pm
Forum: Personal Investments
Topic: Still using total bond market?
Replies: 140
Views: 16580

Re: Still using total bond market?

Put our Flagship funds into Treasury MM,s except for also 12% in the total bond index which is still holding in there. We finally realized we have Enough at our age. This disaster will take a few years to sort out as most major downturns do.

Moe.... :happy
by SeeMoe
Thu Apr 16, 2020 8:09 pm
Forum: Personal Investments
Topic: Bogleheads, talk me out of timing the market
Replies: 24
Views: 2359

Re: Bogleheads, talk me out of timing the market

Only the big boys like Warren and Bill ACKMAN are market timers because they spend big bucks on Bloomberg Type quantitative analytics....And do well.

Moe 8-)
by SeeMoe
Mon Mar 30, 2020 9:03 am
Forum: Investing - Theory, News & General
Topic: CNBC: Investors Should Be Buying Individual Stocks, Not Indexes
Replies: 84
Views: 7503

Re: CNBC: Investors Should Be Buying Individual Stocks, Not Indexes

Since going into Treasuries recently, I’m getting itchy and think that may be a good idea going into a few 500 stocks like Visa, Verizon, PPL and Coke....Just, say, $10,000 in each from my Federal MM Settlement Fund...Or maybe wait a bit? Don’t need the buck$, just the action...
Moe.. :?:
by SeeMoe
Sun Mar 29, 2020 10:22 pm
Forum: Investing - Theory, News & General
Topic: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?
Replies: 186
Views: 17878

Re: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?

I don’t plan on doing anything with our stash for a long time if my hunch is right that this depression will be a long, agonizing one with a lot of casualties along the way to recovery...Hope I’m wrong!
Moe... :oops:
by SeeMoe
Sun Mar 29, 2020 2:59 pm
Forum: Personal Investments
Topic: Rick Ferri says to put aside something for "Bingo Money"
Replies: 76
Views: 9167

Re: Rick Ferri says to put aside something for "Bingo Money"

Good Q. Rick. We have cash on hand and over $100k in our Credit Union accounts for “Bingo” time eventualities in the coming days and months ahead. Beside a well stocked abode. Using 4 sheets of TP per day , and cleaning selves the Arab way with water douches too. Eat less of everything for a just in...
by SeeMoe
Sun Mar 29, 2020 11:16 am
Forum: Personal Investments
Topic: “ When is enough, enough at 78...”
Replies: 11
Views: 1743

Re: “ When is enough, enough at 78...”

That’s what I’ve been mulling over recently and looking at “safe” 500 companies such as VISA, JNJ: Johnson&Johnson, MCD:McDonalds, D:Dominion Energy, GIS:General Mills, PG:Proctor &Gamble, JPM:J.P.Morgan, Etc. Would use the $ in the Vanguard Federal MM settlement fund...I think the next 4-6 weeks f...
by SeeMoe
Sun Mar 29, 2020 11:04 am
Forum: Personal Investments
Topic: “ When is enough, enough at 78...”
Replies: 11
Views: 1743

Re: “ When is enough, enough at 78...”

Flyer24 wrote:
Sun Mar 29, 2020 8:02 am
Topic has been moved to Personal Investments.
I’m having trouble finding “ Personal Investments “ on my BOGLEHEADS App? Only have this consumer site, Canada, Chapters, Administration, on one more...
Moe.. :?:
by SeeMoe
Sun Mar 29, 2020 11:01 am
Forum: Personal Investments
Topic: “ When is enough, enough at 78...”
Replies: 11
Views: 1743

Re: “ When is enough, enough at 78...”

so we exchanged the 40/60 AA that was now 33/57/10 mm for Treasury MM,s, Prime MM’s and total bond index funds. We took about $250,000 in paper loses, but the actual capital losses are just $34,334.22. With capital gains of $112,358.55. Q. How will this exchange(sell) affect our taxes next year? Yo...
by SeeMoe
Sun Mar 29, 2020 10:23 am
Forum: Personal Investments
Topic: “ When is enough, enough at 78...”
Replies: 11
Views: 1743

Re: “ When is enough, enough at 78...”

That’s what I’ve been mulling over recently and looking at “safe” 500 companies such as VISA, JNJ: Johnson&Johnson, MCD:McDonalds, D:Dominion Energy, GIS:General Mills, PG:Proctor &Gamble, JPM:J.P.Morgan, Etc. Would use the $ in the Vanguard Federal MM settlement fund...I think the next 4-6 weeks fr...
by SeeMoe
Sat Mar 28, 2020 9:28 pm
Forum: Personal Investments
Topic: “ When is enough, enough at 78...”
Replies: 11
Views: 1743

“ When is enough, enough at 78...”

We are 77/78 living in a CCRC cottage and are Flagship mates after 37 years of serious investing at 30%-25% of our net pay. Even in retirement with excellent pensions and benefits. Still though, this week we had an epiphany when we realized we were more interested now days seeing how much more our f...
by SeeMoe
Fri Mar 27, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 269
Views: 35734

Re: Don't pay full price for SiriusXM radio

I’m retired and don’t need music other than local stations when driving to the store. Have “ Music Choice” on Comcast TV, and that’s plenty for us. Nice to have now what with the dismal Wuhan Flu news of late.

Moe... :happy
by SeeMoe
Sun Mar 22, 2020 3:30 pm
Forum: Personal Consumer Issues
Topic: Pay cleaning lady during coronavirus pause?
Replies: 66
Views: 5109

Re: Pay cleaning lady during coronavirus pause?

Yes! Our trusty housekeeper is paid via the bank Billpayer service every month and we certainly will continue paying this hard to find, loyal lady as long as it takes until The All Clear message to go up... “ Till we meet again,...Don’t know where,...Don't know when,...But we will meet again.” (WWII...
by SeeMoe
Tue Mar 17, 2020 12:27 pm
Forum: Personal Consumer Issues
Topic: Have you been personally affected by supply chain problems?
Replies: 56
Views: 3744

Re: Have you been personally affected by supply chain problems?

We are seniors in a CCRC that sends out lots of memos per COVID19, but is doing little “ to protect seniors as the CDC advises! They won’t even put up signs at the entrances stating “ Restricted Area”. No offers by the staff to do food shopping, getting drugs for us either!” We are on our own! “Many...
by SeeMoe
Sat Mar 07, 2020 3:57 pm
Forum: Investing - Theory, News & General
Topic: No bonds in retirement AA?
Replies: 55
Views: 3716

Re: No bonds in retirement AA?

We are 77 and 78 with a Vanguard AA of 40/60. (5% is Prime MM) and this AA is taking the current market gyrations fairly well. At age 80, if still here after this China Plague, we will go to 35/65 AA. Our Flagship CFP advised us ,when RMD time approached, to make our T-IRA accounts 100% bond funds f...
by SeeMoe
Wed Jan 22, 2020 5:42 pm
Forum: Investing - Theory, News & General
Topic: Why Ray Dalio & Bridgewater Associates only hold ETFs and no mutual funds?
Replies: 8
Views: 779

Re: Why Ray Dalio & Bridgewater Associates only hold ETFs and no mutual funds?

Q. Can one exchange stock mutual funds over to their ETF twins without a tax event in the Vanguard taxable account? I may do this as I sold ( took profits) some 500, extended market funds today at 1:25 pm when the markets were up, but the markets closed flat by closing time!
Moe..
by SeeMoe
Mon Jan 20, 2020 6:35 pm
Forum: Personal Investments
Topic: Investor/Admiral Shares
Replies: 6
Views: 978

Re: Investor/Admiral Shares

Thanks for the information. I could keep rebalancing from other bond (The T IRA’s are 100% Bond funds as advised by VPAS when a member awhile back) funds, but may just let it go and feel the “ psychological “ pain of being demoted..sigh..

Moe.. :confused
by SeeMoe
Sun Jan 19, 2020 5:46 pm
Forum: Personal Investments
Topic: Investor/Admiral Shares
Replies: 6
Views: 978

Investor/Admiral Shares

If my Vanguard shares go below the required minimum deposit requirements, can they lose their status? I researched this Q. On the BOGLEHEADS index and there are conflicting opinions on this 2012 topic.some think the fund status will not be affected if in a deferred account? We are taking RMD’s and t...
by SeeMoe
Thu Nov 28, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: How much does Vanguard Prime Money Market Fund return?
Replies: 15
Views: 1503

Re: How much does Vanguard Prime Money Market Fund return?

Looks like I’m going to have to move my money!!! Any reason to not? I think you have a good plan. We’ve used Prime MM for years as our holding fund in the taxable account. End of year RMD’s go there too for cash on hand. Our credit union MM , for example, pays out just 0.20%! So all new monies imme...
by SeeMoe
Thu Nov 21, 2019 7:12 pm
Forum: Investing - Theory, News & General
Topic: What Powered Such a Great Decade For Stocks?
Replies: 36
Views: 3906

Re: What Powered Such a Great Decade For Stocks?

We got into the stock market in the early 1980’ by a fluke. It was because of the original IRA’s and 457b plans that became available then to us, and fondly recall the fabulous markets then. We Maxed them out right into the next century when we had Vanguard do a one time for fee analysis of our hold...
by SeeMoe
Mon Nov 11, 2019 8:31 pm
Forum: Investing - Theory, News & General
Topic: "Retirees' Year-End Tax-Planning Guide"
Replies: 9
Views: 1866

Re: "Retirees' Year-End Tax-Planning Guide"

I’ll pass the article on to our astute CPA who saved us a significant tax Bill last year regards the recent tax cut provisions.
Thank you, sir.

Moe... :wink:
by SeeMoe
Wed Nov 06, 2019 8:19 pm
Forum: Investing - Theory, News & General
Topic: The hidden cost of Fidelity’s ZERO funds
Replies: 66
Views: 8050

Re: The hidden cost of Fidelity’s ZERO funds

Hmmmm. Maybe this helps explain the FORBES blurb that I found when asking the web about the owners of Fido. It’s said, as I recall, that 4 of the family members have a net worth of $38 billion dollars! Of course the family has owned Fido since it’s founding in 1946.

Moe.. :oops:
by SeeMoe
Sun Oct 27, 2019 7:02 pm
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 12870

Re: Inside Fisher Investments

I'm very ignorant - why would Fidelity have investments with Fisher? I thought that was their job? Was he/that firm listed as one of their active managers from a fund? Otherwise.... Yeah, I'd dump him in a NY minute. Maybe this is a clue to the Reuter’s News article awhile back that indicated the J...
by SeeMoe
Sat Oct 19, 2019 9:16 pm
Forum: Personal Investments
Topic: Retiring and Getting Over The Fear of Quitting?
Replies: 84
Views: 10366

Re: Retiring and Getting Over The Fear of Quitting?

Ill health ,for my physical type of job, forced me to retire early in my low 50’s. Little things made me upset and even cry and it was 2 years before I realized it was depression over losing my job just when I was promoted. Plus the unknowns of being without a job and our family work ethic of always...
by SeeMoe
Tue Oct 15, 2019 8:30 pm
Forum: Investing - Theory, News & General
Topic: REITs or investment property?
Replies: 70
Views: 5671

Re: REITs or investment property?

Time was carpenters bought up properties and rented them out to long term renters. Doing occasional maintenance on them and then selling them when they retired. Today’s renters can be a real headache and so I much prefer the Vanguard REIT today.

Moe...
by SeeMoe
Sat Jun 15, 2019 9:00 pm
Forum: Investing - Theory, News & General
Topic: Stocks/Bond Allocation Based on Buffet Indicator?
Replies: 18
Views: 2036

Re: Stocks/Bond Allocation Based on Buffet Indicator?

I go by age and it is serving me well over the years reducing the stock portion gradually until I’m only 40/58/2. The 2 being 2% prime money market in a flagship folio. John Bogle said to reduce stock holdings as one ages for safety. I’m 76 now. May eventually reduce the stock portion a tad more to ...
by SeeMoe
Sun May 19, 2019 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Going rate for real estate commissions, ATL
Replies: 11
Views: 1240

Re: Going rate for real estate commissions, ATL

We sold our Marco Island time shares and the realtor fee was 25%....Still did ok versus some time shares that owners can’t sell.

Moe.. :oops:
by SeeMoe
Wed May 15, 2019 4:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service improving?
Replies: 9
Views: 1485

Re: Vanguard customer service improving?

I've also heard that Comcast customer service is better now. Maybe they hired the same consultant. Possible because both companies are based in the Philadelphia area. I’m a member of both and like their services. The Vanguard Group always has been a top notch company for us, and has changed our liv...
by SeeMoe
Sun May 05, 2019 8:16 pm
Forum: Investing - Theory, News & General
Topic: High Yield Corp Fund
Replies: 20
Views: 2564

Re: High Yield Corp Fund

I agree. I’ve had a portion of our TIRA monies in the High Yield bond fund now for many years. When the RMD’s started I exchanged the wonderful Equity Income fund for all bonds, as recommended by Vanguard. High Yield and short term investment grade make up 10% each of the folio with the rest in inte...
by SeeMoe
Sat Apr 27, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 234
Views: 32538

Re: 20 countries where 200K in retirement savings will last you decades

Language barriers, local customs and top notch medical care are big, big concerns for seniors. Family and friends too. Plus how green is the grass after living there a few months?

Moe... :oops:
by SeeMoe
Fri Mar 29, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: What expenses did you reduce?
Replies: 63
Views: 4903

Re: Retirement: What expenses did you reduce?

We moved to a very nice CCRC and all maintenance issues are taken care promptly. No more snow shoveling. Very nice flower garden and grass cutting is done for us too. No mortgage or taxes to be concerned with. Doctors are on call. Good food menu. Country setting, but near big name medical centers. S...
by SeeMoe
Sat Mar 23, 2019 7:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Intermediate Corporate Bond Fund ?
Replies: 6
Views: 869

Re: Vanguard Intermediate Corporate Bond Fund ?

Have it in a mutual fund Admiral and it has been very good to us over the years. No complaints.
Same for the short term corporate fund.
Ditto the high yield also.
All 3 are in our T-IRA accounts which are 100% bond funds now that RMD’s have commenced...

Moe... :dollar
by SeeMoe
Mon Mar 18, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1585
Views: 218087

Re: Fidelity as a one stop shop

Agree with the other replies: Fidelity has everything you need. If you happen to qualify for high net worth designation, you're in gravy. If you live close to a Fido branch, drive there with all your account information and they will take care of the paperwork. Easy to do online as well. Fidelity a...
by SeeMoe
Sun Feb 24, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: move from accountant to turbotax?
Replies: 12
Views: 919

Re: move from accountant to turbotax?

We have an efficient tax accountant who is very savvy with the latest IRS forms and whatnot. Her fees are fair too. Thanks to the 2018 tax cut our taxes were overpaid, and our 2019 ES taxes are minimal. I can just imagine the headaches trying to do our taxes, and how I would probably wind up paying ...
by SeeMoe
Wed Feb 20, 2019 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Fast turnaround on Federal Tax
Replies: 40
Views: 4125

Re: Fast turnaround on Federal Tax

barnaclebob wrote:
Tue Feb 19, 2019 2:15 pm
joe8d wrote:
Wed Feb 13, 2019 8:49 pm
True Bogleheads do not get Tax Refunds.
Gatekeeping
Agree. The CPA does our taxes and the 2018 tax cut was very evident! So evident that we owe very little per the 2019 ES tax estimate....

Moe... :dollar
by SeeMoe
Sat Jan 19, 2019 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 203
Views: 24689

Re: What I spent in 6 months on medicare

Really cheap with top notch medical coverage in my opinion. We are your age and the costs you quote are close to ours. Really nice of the government to subsidize us so well. SS too. Nice Reminder. Thanks. SeeMoe.. :greedy Perhaps "Low Cost" is a better term than "cheap" 8-) Our (DW and I) lower cos...
by SeeMoe
Thu Jan 17, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 203
Views: 24689

Re: What I spent in 6 months on medicare

Really cheap with top notch medical coverage in my opinion. We are your age and the costs you quote are close to ours. Really nice of the government to subsidize us so well. SS too.

Nice Reminder. Thanks.

SeeMoe.. :greedy
by SeeMoe
Mon Jan 14, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 8831

Re: 457 vs 403b

We both started our 457 investing in the early 1980’s along with T-IRA accounts and maxed them all out until retiring. Only had a limited number of mutual funds to choose from then, but that was ok and we kept the AA mix at 60/40 , doing very well during those fabulous investing years as we fondly r...
by SeeMoe
Fri Jan 04, 2019 11:33 pm
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 17402

Re: If riskier than US, why doesn't international outperform?

A vexing question that I often wonder about too..? So , as a retiree, I’ve declined the Vanguard 50% model for 20% and sleep better with it. Folio is currently 41/52/7mm..

SeeMoe.. :?:
by SeeMoe
Mon Dec 31, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to convert someone to be a boglehead...
Replies: 18
Views: 1396

Re: How to convert someone to be a boglehead...

My in-laws all use financial planners who then direct their funds into load funds. They like the idea of having a professional take care of them, and reassure them that their money is in good hands, and not to worry, Etc. So they pay their fees instead of trusting themselves with the Bogleheads/Vang...
by SeeMoe
Sat Dec 29, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to pay off med school loans
Replies: 18
Views: 1749

Re: Best way to pay off med school loans

Is it to late to volunteer to be a military doctor for say, 3-5 years and then the loans are paid off while receiving more schooling, OJT, good pay and benefits too...

SeeMoe :?:
by SeeMoe
Thu Dec 27, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Wow, Behaviorial Finance is Real
Replies: 49
Views: 9623

Re: Wow, Behaviorial Finance is Real

Greed and Fear will always be the great “ behavorial” motivators to the little investor! With Fear outpacing Greed by far when the ndicators suddenly begin to weave, shake and then drop precipitously. The faster the drop, the more the panic kicks in to sell! That’s the time to turn off the talking ...
by SeeMoe
Thu Dec 27, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: There are only 2 things you need to do to survive when stock prices are falling, according to Warren Buffett
Replies: 1
Views: 1363

Re: There are only 2 things you need to do to survive when stock prices are falling, according to Warren Buffett

How true. Mr. Buffett is a savvy investor with many bulls and bears under his belt over the years, and his advice is right on target,...as usual for this genius.

SeeMoe. :beer
by SeeMoe
Thu Dec 27, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: a reminder that the best days in the market often follow the worst ones
Replies: 9
Views: 1979

Re: a reminder that the best days in the market often follow the worst ones

My retiree folios of 44/51/6mm AA are getting a real world workout in this topy turvy market of late,...and doing ok! Very pleased so far despite the evident Bear Market we are now experiencing. It had to happen sometime, and let’s hope it blows over in a short duration of, say, 6 months or so... Se...
by SeeMoe
Wed Dec 26, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Wow, Behaviorial Finance is Real
Replies: 49
Views: 9623

Re: Wow, Behaviorial Finance is Real

Greed and Fear will always be the great “ behavorial” motivators to the little investor! With Fear outpacing Greed by far when the ndicators suddenly begin to weave, shake and then drop precipitously. The faster the drop, the more the panic kicks in to sell! That’s the time to turn off the talking h...
by SeeMoe
Tue Dec 25, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: How is Vanguard Prime Money Market earning over 2%
Replies: 27
Views: 5176

Re: How is Vanguard Prime Money Market earning over 2%

When Prime Money Market began increasing its dividends the past year, I began directing all of our retiree monies to this holding fund of ours , big time! Glad we did now too with this choppy market heading south, maybe. And , at the current 2.38%, rate, we will continue to do so as it’s a convenien...
by SeeMoe
Thu Dec 06, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Has Anyone Paid 1041-ES Using A Credit Card?
Replies: 2
Views: 532

Re: Has Anyone Paid 1041-ES Using A Credit Card?

No, but a wonderful idea! We have been paying this ES fee via our Credit Unions automatic billpayer Service every quarter, but the billpayer checks only allow 20 characters and a clerk warned us that that could be a problem, says to use snail mail with the ES stubs which I find to be tedious and I ...
by SeeMoe
Thu Dec 06, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Has Anyone Paid 1041-ES Using A Credit Card?
Replies: 2
Views: 532

Re: Has Anyone Paid 1041-ES Using A Credit Card?

No, but a wonderful idea! We have been paying this ES fee via our Credit Unions automatic billpayer Service every quarter, but the billpayer checks only allow 20 characters and a clerk warned us that that could be a problem, says to use snail mail with the ES stubs which I find to be tedious and I f...
by SeeMoe
Tue Dec 04, 2018 7:23 pm
Forum: Investing - Theory, News & General
Topic: Today was a good day to be diversified
Replies: 21
Views: 4560

Re: Today was a good day to be diversified

It was a smart day to have an Asset Allocation plan that can take heavy hits and still stand tall! Diversification is the other leg. Our retiree 43s/51b/6mm did well today. Or at least it rolled with the heavy blows well....

SeeMoe.. :shock: