Search found 658 matches

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: 12
Views: 807

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: 1163

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: 3718

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: 5564

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: 3338

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: 7993

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: 3367

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: 2745

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: 698

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: 1923

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: 1345

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: 1345

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: 1345

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: 1225

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: 1375

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: 1888

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: 1225

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: 3988

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: 6258

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: 1247

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: 6258

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: 1606

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: 1606

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: 3811

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: 3811

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: 1724

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: 3943
Views: 1036038

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: 3943
Views: 1036038

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: 3943
Views: 1036038

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: 3811

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: 1724

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: 3943
Views: 1036038

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: 487

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: 3943
Views: 1036038

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: 3943
Views: 1036038

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: 3943
Views: 1036038

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: 487

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: 3943
Views: 1036038

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: 1706

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: 1493

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...
by Vanguard Fan 1367
Thu Aug 10, 2017 6:17 am
Forum: Investing - Help with Personal Investments
Topic: MUB / Bonds
Replies: 12
Views: 730

Re: MUB / Bonds

I like Bogle who says that he doesn't know how to time the market and he doesn't know anyone who knows anyone who can time the market. I have read on this forum that it is also difficult to predict interest rates, and I agree with that.
by Vanguard Fan 1367
Thu Aug 10, 2017 6:12 am
Forum: Investing - Help with Personal Investments
Topic: 1-Million Dollar Question [Investing during retirement, leave to heirs]
Replies: 33
Views: 4877

Re: 1-Million Dollar Question [Investing during retirement, leave to heirs]

I am having an interesting experience with a RMD. I inherited an IRA and am under 70.5 but have to take out RMD's on this IRA. It is invested in the old standby Vanguard S & P 500 index fund Admiral Shares. So every year the RMD comes out and since 2011 when I inherited it it has gone up in value ev...
by Vanguard Fan 1367
Thu Aug 10, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Opinions Needed - Are We Good?
Replies: 32
Views: 2757

Re: Opinions Needed - Are We Good?

I like the 2 year plan of working and keeping expenses low too. Perhaps the knowledge that you don't need the job will make it less unpleasant. For me I notice when I changed my perceptions and expectations about work I can change how I feel when I'm at work. Being FI allows you to take less crap. ...
by Vanguard Fan 1367
Thu Aug 10, 2017 5:45 am
Forum: Investing - Help with Personal Investments
Topic: Advice for retiring parent
Replies: 11
Views: 1222

Re: Advice for retiring parent

Thanks for all of the replies.....right inline with what I was thinking. I still think I am going to have a hard time convincing them to stay in stocks. Where would you put the "safe" money? Money Market? Total Bond Fund? CD? Vanguard's Total Bond Fund is I think a better place for the safe money t...
by Vanguard Fan 1367
Wed Aug 09, 2017 3:13 am
Forum: Personal Finance (Not Investing)
Topic: Donor advised fund at Vanguard or elsewhere?
Replies: 42
Views: 3183

Re: Donor advised fund at Vanguard or elsewhere?

I think that "only holding Vanguard Funds" is a positive for the Vanguard DAF. Obviously you like low expense ratios and that is what Vanguard is known for. I have appreciated being able to donate my appreciated Stocks to the Vanguard DAF and enjoy the benefits of doing that for the charity and for ...
by Vanguard Fan 1367
Wed Aug 09, 2017 3:01 am
Forum: Personal Finance (Not Investing)
Topic: Remodel or move?
Replies: 8
Views: 742

Re: Remodel or move?

I faced the same decision a couple of years ago. I had a house in not a great neighborhood needing a lot of work to get it up to the standard where my wife would like it (granite countertops, nice driveway, nice kitchen, nice bathrooms, beautiful landscaping, good windows, newer plumbing and electri...
by Vanguard Fan 1367
Tue Aug 08, 2017 7:24 am
Forum: Investing - Theory, News & General
Topic: FSITX Question (Fidelity Total Bond Index Fund)
Replies: 7
Views: 659

FSITX Question (Fidelity Total Bond Index Fund)

I have a tax deferred account (IRA) at Fidelity. I like the idea of Vanguard's Total Bond Fund. Is FSITX a good thing to invest in or should I consider asking Vanguard to move the IRA to Vanguard? Or should I consider buying whatever ETF Index Fund I like at Fidelity and buy that? Thanks for the help.
by Vanguard Fan 1367
Mon Aug 07, 2017 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Seems like both Stocks and bonds have equal risk now...
Replies: 26
Views: 3220

Re: Seems like both Stocks and bonds have equal risk now...

If for some reason we had interest rate increases like in the late 70s and early 80s I would imagine that bond fund values would plummet dramatically. Since that's not what happened with bond funds in the late 70s and early 80s.... The index that Vanguard's Total Bond Index tracks was goes back to ...
by Vanguard Fan 1367
Mon Aug 07, 2017 5:42 am
Forum: Investing - Help with Personal Investments
Topic: Seems like both Stocks and bonds have equal risk now...
Replies: 26
Views: 3220

Re: Seems like both Stocks and bonds have equal risk now...

If for some reason we had interest rate increases like in the late 70s and early 80s I would imagine that bond fund values would plummet dramatically. Since that's not what happened with bond funds in the late 70s and early 80s.... The index that Vanguard's Total Bond Index tracks was goes back to ...
by Vanguard Fan 1367
Mon Aug 07, 2017 2:02 am
Forum: Investing - Help with Personal Investments
Topic: Seems like both Stocks and bonds have equal risk now...
Replies: 26
Views: 3220

Re: Seems like both Stocks and bonds have equal risk now...

If for some reason we had interest rate increases like in the late 70s and early 80s I would imagine that bond fund values would plummet dramatically.