Search found 668 matches

by Vanguard Fan 1367
Sat Oct 28, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 17
Views: 1574

Re: Fidelity Rewards Visa Card

I like the Fidelity Card. I spend enough money that the 2 percent adds up. :beer
by Vanguard Fan 1367
Fri Oct 27, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: Dental Question [Is recommended procedure legit?]
Replies: 14
Views: 1800

Re: Dental Question [Is recommended procedure legit?]

You have an interesting post. I read that the teeth are not decayed and your code is for a one surface resin composite which I would think would normally be for a decayed tooth. Is it possible that there was some sort of mis-communication? Another poster pointed out that it could be for an eroded ar...
by Vanguard Fan 1367
Fri Oct 27, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Bogle: Vanguard's size a worry
Replies: 21
Views: 4405

Re: Bogle: Vanguard's size a worry

I hope that the Vanguard magic can continue as it gets huge. I appreciate Bogle and his wisdom and I hope the current leadership of Vanguard can continue to help investors and do that helping well. When you say the "Vanguard magic" what are you referring to exactly? Fidelity, Schwab, etc. all now h...
by Vanguard Fan 1367
Thu Oct 26, 2017 8:00 am
Forum: Investing - Theory, News & General
Topic: Bogle: Vanguard's size a worry
Replies: 21
Views: 4405

Re: Bogle: Vanguard's size a worry

I hope that the Vanguard magic can continue as it gets huge. I appreciate Bogle and his wisdom and I hope the current leadership of Vanguard can continue to help investors and do that helping well.
by Vanguard Fan 1367
Wed Oct 18, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Anyone who started a business what made you comfortable enough to take the chance?
Replies: 25
Views: 2071

Re: Anyone who started a business what made you comfortable enough to take the chance?

I didn't start my own business. I bought a successful one. You might consider that approach. I worked for a year at the business before I took over and that helped a lot with learning how to run the business. One of the things that made me comfortable was the idea of being free from getting fired. A...
by Vanguard Fan 1367
Wed Oct 18, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: Office wants to pay dentist as contractor (sub-s). Any issues?
Replies: 25
Views: 1621

Re: Office wants to pay dentist as contractor (sub-s). Any issues?

Hi all. I am hoping someone can point me in the right direction (or even maybe flat out answer it) on a question about working as a medical professional and being paid corp to crop. A local dental office wants to hire my dentist wife and pay her as a contractor. Apparently the owners have many offi...
by Vanguard Fan 1367
Wed Oct 18, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Florida Asset Protection Question
Replies: 4
Views: 682

Re: Florida Asset Protection Question

The key in Florida is if the property is actually located in an incorporated city or not. Fla. Stat. Ann. §§ 222.01, 222.02, Fla. Const. Art. X, § 4. says that the homestead protects 1/2 acre in a city and up to 160 acres outside of a city. The homeatead exemption https://www.assetprotectionplanner...
by Vanguard Fan 1367
Thu Oct 05, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: That blank stare... ?
Replies: 49
Views: 2996

Re: That blank stare... ?

My wife wasn't too interested in investing except for the thought that we should consult with a financial advisor. Then she spent some time and effort getting an online MBA which included an investments course. Thankfully her courses steered her in the direction of Charles Ellis, "the less the fee t...
by Vanguard Fan 1367
Tue Sep 26, 2017 11:57 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 326
Views: 53740

Re: Any books really change your outlook on life?

I searched the topic and didn't find this one: If You Haven't Got the Time To Do It Right, When Will You Find the Time To Do It Over? By Jeffery Mayer. The title says it all. When I was working full time and was constantly under a deadline to get one thing or another done, this thought really hit h...
by Vanguard Fan 1367
Tue Sep 26, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 326
Views: 53740

Re: Any books really change your outlook on life?

The Bible, How to Win Friends and Influence People, The Success System That Never Fails, The Power of Positive Thinking.
by Vanguard Fan 1367
Tue Sep 19, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Which 401k plan is better? This is for a small dental office
Replies: 34
Views: 2706

Re: Which 401k plan is better? This is for a small dental office

I have the American Dental Association endorsed AXA Equitable plan. I believe they charge 25 per person to set up the plan, 3 dollars a quarter per participant and then assets under management fees. I use their S & P 500 plan which has (I believe) a .87 percent expense ratio. Other options mostly ar...
by Vanguard Fan 1367
Mon Sep 18, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Dental Work
Replies: 15
Views: 1337

Re: Dental Work

I wondered when I saw billboards advertising lifetime crowns locally if patients would not be happy if their "lifetime" crowns weren't covered because of some issue. I can see why you are posting on this board if you had the experience of one staff member saying the crown was covered under warranty ...
by Vanguard Fan 1367
Mon Sep 18, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Worth buying an excessive priced house?
Replies: 43
Views: 4153

Re: Worth buying an excessive house?

My wife is conservative on vacations, clothes, food, and other things. She wanted a nice house so we took the plunge. Thanks to Bogle and Vanguard, affording the home wasn't an issue. Momma seems to be happier in the nicer house, so I will go with the "happy wife, happy life." Granted some folks are...
by Vanguard Fan 1367
Wed Sep 06, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Wife believes 7+% returns from stock market are guaranteed
Replies: 64
Views: 5948

Re: Wife believes 7+% returns from stock market are guaranteed

No one knows the future. I appreciate John Bogle talking about expecting (not guaranteeing) 4 percent returns going forward. John is a big believer in low fee no load index funds. He has a hard time with funds with say a 1 percent expense ratio combined with a 1 percent assets under management fee. ...
by Vanguard Fan 1367
Tue Sep 05, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 3796

Re: Wanting a Portable Auto GPS

Just get a current Garmin at price range $100-$150. You cannot go wrong. They come with free lifetime map updates, so no more worries about that. It is true that phones can double as car GPS, and Google Maps / Waze do work well, but I have definitely found it is more convenient to have two separate...
by Vanguard Fan 1367
Tue Aug 29, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Relative angry I will not co-sign
Replies: 90
Views: 8507

Re: Relative angry I will not co-sign

I am sorry about your relative. I had an interesting situation, I have great credit and wanted to co-sign for my son but 2 lenders turned us down for that so I just lent him the money myself. I think you did the right thing not co-signing for something that you don't sound like you have the money to...
by Vanguard Fan 1367
Tue Aug 29, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Fear of Stock Market - Is it smart to be cautious?
Replies: 39
Views: 3587

Re: Fear of Stock Market - Is it smart to be cautious?

I like the guaranteed return of the paid off mortgage. And whatever happens to the market if you don't have a mortgage payment that helps.

So I like your option 3.
by Vanguard Fan 1367
Thu Aug 24, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits
Replies: 31
Views: 2957

Re: Social Security Benefits

I agree with your "bad idea". I am considering waiting till 70 to take my Social Security because hopefully I don't need it but if something happens between now and then it would be nice to have the higher amount available (if one of those dreaded bears happens, for example.)
by Vanguard Fan 1367
Wed Aug 23, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: What to do in 401K when S&P500 Index Fund is the only decent fund?
Replies: 9
Views: 757

Re: What to do in 401K when S&P500 Index Fund is the only decent fund?

I have had great success with the S & P 500 Fund. If you can get it for a total of what you said that is fantastic. My 401K has the 500 fund as the best option and the total fee on that is .87%. Still that 401K has done well for me for the years that I have had it. I am happy maxing out the 401K the...
by Vanguard Fan 1367
Tue Aug 22, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Things Not to Do if You Win the Lottery
Replies: 9
Views: 2026

Re: 12 Things Not to Do if You Win the Lottery

I find the stories of folks who came into a windfall fascinating. Typically they do one or more of those things and end up broke in the not too distant future.
by Vanguard Fan 1367
Tue Aug 22, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Putting 1% AUM Fee in Perspective with SWR
Replies: 11
Views: 1423

Re: Putting 1% AUM Fee in Perspective with SWR

Aren't you preaching to the choir here? I would highly doubt many (any?) Bhs pay a 1% AUM fee. Or likely any fee, except, possibly, a flat fee for financial or estate planning. Not disagreeing with your statement, of course, but we all know high fees are verboten. If you nose around enough on even ...
by Vanguard Fan 1367
Tue Aug 22, 2017 8:53 am
Forum: Investing - Theory, News & General
Topic: Putting 1% AUM Fee in Perspective with SWR
Replies: 11
Views: 1423

Re: Putting 1% AUM Fee in Perspective with SWR

1% AUM rarely even tells half the story. Add in the additional ER of the high fee funds as well as tax drag for capital gains tax for tax inefficient funds in taxable accounts. Also it isn't unusual to start out with a 3 to 5 percent load with some of these situations. That is all the most outrageo...
by Vanguard Fan 1367
Mon Aug 21, 2017 6:32 pm
Forum: Investing - Theory, News & General
Topic: Putting 1% AUM Fee in Perspective with SWR
Replies: 11
Views: 1423

Re: Putting 1% AUM Fee in Perspective with SWR

Nate79 wrote:
Mon Aug 21, 2017 6:26 pm
1% AUM rarely even tells half the story. Add in the additional ER of the high fee funds as well as tax drag for capital gains tax for tax inefficient funds in taxable accounts.
Also it isn't unusual to start out with a 3 to 5 percent load with some of these situations.
by Vanguard Fan 1367
Sun Aug 20, 2017 1:18 am
Forum: Investing - Help with Personal Investments
Topic: ETF index fund, anytime a good time?
Replies: 13
Views: 1309

Re: ETF index fund, anytime a good time?

If you have never invested before, going all in with stock markets at all time highs might be a mistake as you probably have a low risk tolerance. Have you considered what your asset allocation would be, based on how you would feel if the market declined 20, 40% or more? https://www.bogleheads.org/...
by Vanguard Fan 1367
Thu Aug 17, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Paying directly for damage caused to someone else's car
Replies: 17
Views: 1491

Re: Paying directly for damage caused to someone else's car

I paid someone a grand to get their car fixed when they decided that my parking lot caused the damage. I happened to have a general release on hand so I had her sign it. That has been a few years ago and all is well.
by Vanguard Fan 1367
Thu Aug 17, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Which Audible book for Mom to convince her to get away from Raymond James
Replies: 19
Views: 2002

Re: Which Audible book for Mom to convince her to get away from Raymond James

I would recommend something by John Bogle. I am pretty sure you can get The Little Book of Common Sense Investing if you think she would like something little. Common Sense on Mutual Fund Investing is another great choice. For years I couldn't get excited about reading Bogle but now that I have I am...
by Vanguard Fan 1367
Thu Aug 17, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: ETF index fund, anytime a good time?
Replies: 13
Views: 1309

Re: ETF index fund, anytime a good time?

If you have never invested before, going all in with stock markets at all time highs might be a mistake as you probably have a low risk tolerance. Have you considered what your asset allocation would be, based on how you would feel if the market declined 20, 40% or more? https://www.bogleheads.org/...
by Vanguard Fan 1367
Thu Aug 17, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Other people's perception of your finances
Replies: 73
Views: 4353

Re: Other people's perception of your finances

I like to pay my fair share. When a relative invited us to an expensive on the water non-Boglehead restaurant I made a feeble offer to help with the check but my heart wasn't in it. Had the restaurant been a little more moderately priced I would have been a little more excited about helping pay.
by Vanguard Fan 1367
Thu Aug 17, 2017 8:22 am
Forum: Investing - Theory, News & General
Topic: Market timing alert !!
Replies: 30
Views: 6472

Re: Market timing alert !!

I really appreciate Bogle saying "no peeking" with your 401K statements. If the market does crash I think that is great advice, don't get your bowels in an uproar looking at 300k of paper losses or whatever. Of course you have to take that in context. If you have a situation where you have to manual...
by Vanguard Fan 1367
Wed Aug 16, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Any dentist here? Question about practice opening
Replies: 7
Views: 1319

Re: Any dentist here? Question about practice opening

Hi Guys, I am a newbie dentist who is planning to open a practice in future (hopefully in 2-3 years) My main question is about LLC and PC and all these terms. I heard about PC, S-Corporation and etc. Can anyone familiar with these terms explain the difference for me? (I did look them up in google b...
by Vanguard Fan 1367
Wed Aug 16, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: Market timing alert !!
Replies: 30
Views: 6472

Re: Market timing alert !!

one of my buddies talked about the "Vanguard Fan 1367" law that when I got involved in 1994 in the stock market things would dive. Thankfully he was wrong and according to Charles Ellis the 6 years from 1994 to 2000 were the best 6 years ever in the market. :sharebeer
by Vanguard Fan 1367
Wed Aug 16, 2017 9:05 am
Forum: Investing - Help with Personal Investments
Topic: HGTV beach front bargain hunter
Replies: 14
Views: 1668

Re: HGTV beach front bargain hunter

I don't know about this show (although "beachfront bargain" is a non sequitur), but I do know that HGTV is the bane of my existence. My wife watches, and seemingly every day I get a new proposal, like "I want to remove these soffits and knock down this wall". I don't even know what a soffit is, but...
by Vanguard Fan 1367
Wed Aug 16, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: HGTV beach front bargain hunter
Replies: 14
Views: 1668

Re: HGTV beach front bargain hunter

.Do you believe or it is real or just it is fake that the HGTV beachfront house bargain hunters . Just like a "good" storyteller sometimes is a little free with the facts, exaggerates, or changes details I have read that those home shows do sometimes change things around at least a little. I got ex...
by Vanguard Fan 1367
Wed Aug 16, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Due to 8 Year Bull Market, Pay Off Rental Now?
Replies: 35
Views: 4017

Re: Due to 8 Year Bull Market, Pay Off Rental Now?

Here's our situation. We are saving 60% of our income So, given the current market situation, does it make sense at this time to pay that mortgage down aggressively and temporarily hold on our other investments? I say just do it. I hear about interest rate is low, don't payoff. Guess what, no one w...
by Vanguard Fan 1367
Tue Aug 15, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Due to 8 Year Bull Market, Pay Off Rental Now?
Replies: 35
Views: 4017

Re: Due to 8 Year Bull Market, Pay Off Rental Now?

I don't understand the relationship between a bull market and throwing away tax-deferred savings space that you can never get back. Could someone spell it out more for me? I am not OP, but his thinking is we're in a bull market about to crash, money going into the mortgage has a guaranteed return o...
by Vanguard Fan 1367
Tue Aug 15, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard Performance Report
Replies: 9
Views: 1816

Re: Vanguard Performance Report

performance is more than financial. How is their customer service performance or their IT performance? My epxeriences have been poor as many on this board also have stated. How many dollars is good customer service or IT performance worth to you? When I was young I would have said "not much". But a...
by Vanguard Fan 1367
Tue Aug 15, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1101471

Re: U.S. stocks in freefall

This FreeFalling makes me happy :) It doesn't make me happy. Do you get happy when the price of gasoline goes up too? :confused Those don't compare. Gas is a consumable, so I'm not buying it as an investment. I want it to go down and never go back up. VTI returns might be impacted by extended, obsc...
by Vanguard Fan 1367
Tue Aug 15, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1101471

Re: U.S. stocks in freefall

nedsaid wrote:
Mon Aug 14, 2017 4:52 pm
Oh good! Hopefully the market will go up enough that I can rebalance again. I might even de-risk a bit.
I hope the wife will let me de-risk a bit myself by buying more bonds. She loves those Vanguard Index Funds, Total Market or S&P 500.
by Vanguard Fan 1367
Mon Aug 14, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1101471

Re: U.S. stocks in freefall

As of now, Dow up 127, the Nazz up 77 points, and the S&P up 23. I joke about this thread being a contrary indicator and it seems to be working great right now. Anyhoo, I have had a lot of fun with it. I am sure glad that when I read John Bogle in the Spring of 2014 I didn't look at the highs in th...
by Vanguard Fan 1367
Sun Aug 13, 2017 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Due to 8 Year Bull Market, Pay Off Rental Now?
Replies: 35
Views: 4017

Re: Due to 8 Year Bull Market, Pay Off Rental Now?

I like being debt free. I might consider paying off the rental debt if I was in your shoes.
by Vanguard Fan 1367
Sun Aug 13, 2017 11:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Performance Report
Replies: 9
Views: 1816

Re: Vanguard Performance Report

My investing sure has improved markedly since I discovered asset allocation and Vanguard's low cost index funds.
by Vanguard Fan 1367
Fri Aug 11, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1101471

Re: U.S. stocks in freefall

flyingaway wrote:Just to clarify. I was betting here for fun. I never made any changes to my investment in the last two weeks. No buy & no sell.
I was betting for fun too. Also I went from 18 percent bonds to 28 percent bonds this week, got the job done before Thursday's little dip.
by Vanguard Fan 1367
Fri Aug 11, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Portfolio Watch Question
Replies: 4
Views: 526

Re: Vanguard's Portfolio Watch Question

My accounts are at Vanguard but my experience there is that depending upon the type of buy/sell/trade it can take a few days for the transactions to settle out and be reflected in various tools properly. Thanks for the help. I called my VCLT ETF a stock. I wonder if I called it a bond if that would...
by Vanguard Fan 1367
Fri Aug 11, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1101471

Re: U.S. stocks in freefall

It was Oct. 19th, 1987, not Oct. 9th. I grew up near the Falls Shopping Center in Southwest Miami. The story of someone going to the Falls, killing his broker, then himself soon after the Oct. 19 drop has fascinated me. Had the client taken the Bogle view of staying the course, or don't do somethin...
by Vanguard Fan 1367
Fri Aug 11, 2017 9:01 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1101471

Re: U.S. stocks in freefall

So a 0 .9% drop in the Dow and a 1.45% drop in the S&P is a reason for discussion. A 5% correction is sometimes healthy for the markets. It doesn’t even come close to history’s top 10 one day losses for the Dow. My guess is that the stock market was just looking for a reason to skim some cream off ...
by Vanguard Fan 1367
Fri Aug 11, 2017 8:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1101471

Re: U.S. stocks in freefall

Vanguard Fan 1367 wrote:
flyingaway wrote:Can we have some fun with this thread? I bet tomorrow will be another down day.

I bet it will be an up day. :sharebeer
So far I am correct at 9:39 EDT. 8-)
by Vanguard Fan 1367
Fri Aug 11, 2017 6:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Portfolio Watch Question
Replies: 4
Views: 526

Vanguard's Portfolio Watch Question

I decided to change my FSTVX which is a Total Stock Market Fund at Fidelity to a Vanguard ETF held at Fidelity. So far the Portfolio Watch hasn't recognized the change from FSTVX to the Vanguard ETF which is an intermediate term bond fund. Anyone have any suggestions to get the Portfolio Watch to pi...
by Vanguard Fan 1367
Fri Aug 11, 2017 12:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1101471

Re: U.S. stocks in freefall

flyingaway wrote:Can we have some fun with this thread? I bet tomorrow will be another down day.

I bet it will be an up day. :sharebeer
by Vanguard Fan 1367
Thu Aug 10, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Advice on picking a dentist
Replies: 19
Views: 1846

Re: Advice on picking a dentist

The dentist will be responsible to examine the teeth in Florida and to do an exam will need some radiographs. If you could arrange for good copies of your radiographs to get to the new dentist that might enable you to get that cleaning that you desire with less hassle. I suspect other states are sim...
by Vanguard Fan 1367
Thu Aug 10, 2017 6:36 am
Forum: Personal Consumer Issues
Topic: Wanting to learn how to play Bridge
Replies: 15
Views: 1595

Re: Wanting to learn how to play Bridge

I learned bridge from a computer game. There was a local group that played and I wanted to be a part of that group. I got good enough that I became a regular invitee to this group. After the computer game I graduated to playing online bridge. It is sort of interesting to be in Florida and have a par...