Search found 765 matches

by Vanguard Fan 1367
Sat Mar 23, 2019 10:38 pm
Forum: Personal Consumer Issues
Topic: dental work gone wrong - advice please.
Replies: 44
Views: 3523

Re: dental work gone wrong - advice please.

In some states if you contact the Dental Association and the dentist is a member of that association there is something called peer review where the work can be looked at by a group of dentists and some sort of solution such as refund of the fees may happen if the work doesn't measure up to what sho...
by Vanguard Fan 1367
Sat Mar 23, 2019 1:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Intermediate Corporate Bond Fund ?
Replies: 6
Views: 644

Vanguard Intermediate Corporate Bond Fund ?

I like the Vanguard Intermediate Corporate Bond Fund. If you folks invested in that fund would you invest in the fund with the .25 percent charge to buy the fund or would you go with VCIT, the equivalent (more or less) investment in an ETF without the .25 percent charge? And why would you choose one...
by Vanguard Fan 1367
Sat Mar 16, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 57
Views: 3804

Re: lawn care cost

I am in Central Florida on a 1.2 acre lot with possibly half that in grass to cut. I do have some bushes that need trimming. I pay 300 a month which is supposed to include trimming but I pay some extra twice a year for extra trimming.
by Vanguard Fan 1367
Thu Mar 07, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: 1120S return... is it advisable to fill it out myself instead of using TaxAct?
Replies: 5
Views: 307

Re: 1120S return... is it advisable to fill it out myself instead of using TaxAct?

If I were you and felt like I knew the numbers I would be comfortable filling them out myself. Your income is so low that I would expect that to not trigger an audit assuming that you do it correctly. I first fill out what I can with TurboTax's version of the 1120S and then take that information to ...
by Vanguard Fan 1367
Tue Mar 05, 2019 4:16 pm
Forum: Investing - Theory, News & General
Topic: Linking My Vanguard Prime Money Market to Fidelity?
Replies: 2
Views: 396

Re: Linking My Vanguard Prime Money Market to Fidelity?

Yes, I've got mine linked, everything is initiated from the Vanguard side. Thanks for the reply. Since Vanguard doesn't want the checking business I am happy that you have been able to link. I have had accounts with Fidelity and Vanguard for years. I was thinking about moving it all to Vanguard but...
by Vanguard Fan 1367
Tue Mar 05, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Ford recently? Advice please...
Replies: 58
Views: 3930

Re: Anyone bought a Ford recently? Advice please...

One of my local Ford dealers has "internet specials". I have bought 2 Fords that way. They also have an option where you tell them what you are looking for and what price you would be comfortable paying. I had some idea of what a good price on the Ford I wanted would be so I gave them that price and...
by Vanguard Fan 1367
Tue Mar 05, 2019 2:31 pm
Forum: Investing - Theory, News & General
Topic: Linking My Vanguard Prime Money Market to Fidelity?
Replies: 2
Views: 396

Linking My Vanguard Prime Money Market to Fidelity?

I am one of those who is not happy with the demise of the Vanguard Advantage Brokerage account. Would it be ok and proper and could I actually link my higher paying Vanguard Prime with Fidelity's Cash Management Account? Vanguard will let me link that account to any bank for electronic withdrawals a...
by Vanguard Fan 1367
Sat Mar 02, 2019 1:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Financial Health Question
Replies: 16
Views: 2057

Re: Vanguard's Financial Health Question

Why would you doubt their financial health? I have a good percentage of my life savings there. I was just curious. During the last financial crisis if I recall correctly not every firm involved with investing survived. I work in the industry, at another fund manager, and have also worked at a few f...
by Vanguard Fan 1367
Fri Mar 01, 2019 11:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Financial Health Question
Replies: 16
Views: 2057

Re: Vanguard's Financial Health Question

willthrill81 wrote:
Fri Mar 01, 2019 10:24 pm
Why would you doubt their financial health?
I have a good percentage of my life savings there. I was just curious. During the last financial crisis if I recall correctly not every firm involved with investing survived.
by Vanguard Fan 1367
Fri Mar 01, 2019 1:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Financial Health Question
Replies: 16
Views: 2057

Vanguard's Financial Health Question

How would one go about looking up the financial health of the Vanguard Corporation? I made a small effort the other day and am asking for help as I didn't quickly and easily find the answer.
by Vanguard Fan 1367
Thu Feb 28, 2019 5:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 521
Views: 36509

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts]

I am enjoying all the feedback on this discontinuing. It was like Fantasy island when through Bogleheads I discovered Vanguard Advantage and set everything up there. I loved the "advantages" of Vanguard Advantage. Since I have a Fidelity Account it sounds like I can get everything there that I had a...
by Vanguard Fan 1367
Thu Feb 21, 2019 11:46 pm
Forum: Personal Consumer Issues
Topic: Do You Tip the Folks at the Feed Store?
Replies: 22
Views: 1782

Do You Tip the Folks at the Feed Store?

I am curious as to how you folks feel about tipping at your local feed store. My back is shot and I appreciate them putting the fertilizer, salt, and catfish food bags into my truck and I feel it necessary to tip them a few bucks when they load a few bags.
by Vanguard Fan 1367
Thu Nov 15, 2018 6:19 pm
Forum: Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5421

Re: Oops! Edward Jones tops Vanguard in customer survey

Edward Jones will become your best friend for about 1% of your net worth per annum. I wonder about that. If there was an assets under management fee of 1 percent and the mutual funds have an expense ratio of 1 percent, some full service brokers would be your best friend for 2 percent of your net wo...
by Vanguard Fan 1367
Wed Oct 03, 2018 9:17 am
Forum: Personal Investments
Topic: Help me get out of my mess (AHumanInterest edition)
Replies: 24
Views: 3215

Re: Help me get out of my mess (AHumanInterest edition)

I really like Vanguard's Total Stock Market Index Fund. I would be happy with only that as my Stock Fund. Some suggest that the Bond portion of your portfolio should be in the tax deferred accounts. I would find one bond fund that I liked and go with that. If any sales in your taxable accounts would...
by Vanguard Fan 1367
Tue Oct 02, 2018 5:47 pm
Forum: Personal Investments
Topic: Turning 70 1/2 next year 73% in US stocks in Portfolio
Replies: 25
Views: 2873

Re: Turning 70 1/2 next year 73% in US stocks in Portfolio

I am 65 and have about 70 percent mostly US Stocks. I have read and listened to a lot of John Bogle. He is pretty wealthy and I have heard him say that he doesn't go with his age in bonds. If I remember correctly he said that he is closer to 50 percent. But he does advise us to consider our age in b...
by Vanguard Fan 1367
Sun Sep 23, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 92
Views: 11897

Re: Minimalist Lifestyle

Another poster mentions giving stuff away. I think that is positive and has helped me declutter, thinking that hopefully Goodwill can find something to do with my clutter.
by Vanguard Fan 1367
Sun Sep 23, 2018 5:28 am
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 42
Views: 3586

Re: Dental work and hypertension issue

by mouses » Thu Sep 20, 2018 3:36 am OP, this may be even more expensive, but instead of grinding down healthy adjacent teeth for a bridge, you might consider implants. Also, I wonder if you could get an evaluation as to recommended work despite the blood pressure. Yes, I had been thinking about im...
by Vanguard Fan 1367
Wed Sep 19, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: self-employed professional - the best way to get things started?
Replies: 27
Views: 2618

Re: self-employed professional - the best way to get things started?

thank you for the input, guys! i'm leaning towards solo 401k and i'll do some more homework. oh by the way, i'm a family physician. i do 100% telemedicine. my wife is a graphic designer. she makes 50k. we can basically work at anywhere, anytime. :happy we did form an LLC (whatever name medical clin...
by Vanguard Fan 1367
Tue Sep 18, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 42
Views: 3586

Re: Dental work and hypertension issue

Anybody here experience being denied dental work due to above normal blood pressure? So, what options do I have? Talk to a dentist that practices oral conscious sedation. I wouldn't expect HMO prices with an oral conscious sedation dentist. I have noticed that sometimes using laughing gas brings pa...
by Vanguard Fan 1367
Tue Sep 18, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 42
Views: 3586

Re: Dental work and hypertension issue

Sorry you are having problems. Dental schools are great places to get work done if you have plenty of time but they do tend to as you have found out be sometimes inflexible about things like blood pressure as they teach others to learn to be dentists. As you have found out in private practice, the r...
by Vanguard Fan 1367
Mon Sep 17, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: How to tell when a Mango is ripe?
Replies: 19
Views: 1306

Re: How to tell when a Mango is ripe?

This is a great thread. My mango tree made 2 mangoes this year and I thought one was ripe but inside was hard as a rock. I hope some creature doesn't eat the other one before it looks ripe enough for me to pick. I believe I have a Keitt Mango.
by Vanguard Fan 1367
Mon Sep 17, 2018 11:02 am
Forum: Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5775

Re: Employer won't Match 401k. Why?

As a former small business owner that was involved in recruiting I can tell you that we did no get much bang for our buck for our generous 401k match. The large majority of candidates compared us to our competition on starting salary. That was what they chose to care about. So we went the safe harb...
by Vanguard Fan 1367
Mon Sep 17, 2018 11:02 am
Forum: Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5775

Re: Employer won't Match 401k. Why?

As a former small business owner that was involved in recruiting I can tell you that we did no get much bang for our buck for our generous 401k match. The large majority of candidates compared us to our competition on starting salary. That was what they chose to care about. So we went the safe harb...
by Vanguard Fan 1367
Mon Sep 17, 2018 9:53 am
Forum: Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5775

Re: Employer won't Match 401k. Why?

As a former small business owner that was involved in recruiting I can tell you that we did no get much bang for our buck for our generous 401k match. The large majority of candidates compared us to our competition on starting salary. That was what they chose to care about. So we went the safe harb...
by Vanguard Fan 1367
Mon Sep 17, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 151
Views: 30511

Re: Where to buy a Vanguard hat? An Update and good news

Thinking of getting my annuitty salesman brother in law a Vanguard mug for the holidays. When he receives it I'll mention to him to bring it to work. I know some folks that talk about starting to make a really nice income in the last few years and who are annuity salesmen. Is your brother in law ma...
by Vanguard Fan 1367
Mon Sep 17, 2018 9:25 am
Forum: Personal Investments
Topic: (No Savings) *Everything* in S&P 500?
Replies: 33
Views: 4022

Re: (No Savings) *Everything* in S&P 500?

The thing to understand is that going from 80% equities/ 20% bonds to 100% equities buys you surprisingly little additional return, but a lot more volatility. The reason is correlation. US Treasury Bonds have a low correlation with equities (less than 0.1, empirically, over the long run, I believe;...
by Vanguard Fan 1367
Mon Sep 17, 2018 9:17 am
Forum: Investing - Theory, News & General
Topic: “Costly race to bottom on mutual fund fees”
Replies: 13
Views: 1913

Re: “Costly race to bottom on mutual fund fees”

My take on the article is that low fees CAN lead to bad investor behavior, such as frequent trading, but it isn't necessarily so. I would say this is not a problem for most Bogleheads, who tend to be buy and hold. I just don't believe that Fidelity Zero Funds are going to suddenly cause buy-and-hol...
by Vanguard Fan 1367
Mon Sep 17, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 131
Views: 35315

Re: Vanguard opens special offices for $1 million clients

I would love to see Vanguard enter banking as was the rumor, articles, and surveys a few years ago. The bank could be very very conservative if they were to offer lending. Perhaps a banking division could offer investment support if needed. What is the advantage of Vanguard offering banking. Low co...
by Vanguard Fan 1367
Mon Sep 17, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 37
Views: 5248

Re: Any Cyclists With a Brooks Saddle?

I bought one and didn't think that it was worth the price. I did ride many miles on the thing.
by Vanguard Fan 1367
Mon Sep 17, 2018 7:07 am
Forum: Investing - Theory, News & General
Topic: Need advise to keep investment cost and advisor fee low
Replies: 12
Views: 1144

Re: Need advise to keep investment cost and advisor fee low

I like the idea to just put it all with Vanguard and pay their .3 percent if you want an advisor. Personally I read Bogle's books and the Bogleheads Forum and save the .3 percent. I was just working on my tax return, due oct 15 thanks to an extension. Simplicity with your investments I think is a gr...
by Vanguard Fan 1367
Sun Sep 16, 2018 7:58 pm
Forum: Personal Investments
Topic: (No Savings) *Everything* in S&P 500?
Replies: 33
Views: 4022

Re: What if: *Everything* in S&P?

I certainly would have done well in the S & P 500 fund if I started in 1979. I waited until after 1994. I hope your friend does ok with that allocation. I think that 20 percent or more in a low fee bond fund might be something to consider.
by Vanguard Fan 1367
Sun Sep 16, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 115
Views: 9778

Re: Delaying Social Security Until 70

A financial advisor with AUM tells the client to do so to avoid spending down savings (and thus reduce the advisors fees). I have an acquaintance that is an FA, and always advises his clients to take SS at 62. We've debated why this is a bad for most folks (or at least wait til FRA to take SS), but...
by Vanguard Fan 1367
Sun Sep 16, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 131
Views: 35315

Re: Vanguard opens special offices for $1 million clients

My experience is that the picture of the personal representative is gone and when I call I get a group of people to help with things like a wire transfer to buy a house. There was a little drama in trying to do the wire transfer with a new rep but the house managed to get bought. I have done 2 other...
by Vanguard Fan 1367
Sun Sep 16, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 37
Views: 5958

Re: Quality decline in off-brand alkaline batteries?

I just threw out a batch of Ray O Vacs bought at one of the big box stores because of leakage. I bought some Ray O Vacs to replace them. I hope this time I have better luck.
by Vanguard Fan 1367
Sun Sep 16, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: Dealing with Impatience reaching financial goals
Replies: 36
Views: 6171

Re: Dealing with Impatience reaching financial goals

Figure out how to mentally cheer when the stock market goes DOWN. I learned to do this during 2000 and 2008. If you are still in the accumulation stage then every bit the stock market drops gives you the advantage of buying at a discount. You don't need it to actually go back up until 30+ years fro...
by Vanguard Fan 1367
Sun Sep 16, 2018 9:15 am
Forum: Personal Investments
Topic: How to stay the course when you “think” you can outsmart the market
Replies: 36
Views: 2343

Re: How to stay the course when you “think” you can outsmart the market

I truly believe indexing is the best way to invest but sometimes “ideas” get the best of me. For example with the hurricane approaching I thought it would be a smart move to buy Generac, already down 5%. I was curious how often other boggleheads trade short term and how the smart ones have the disc...
by Vanguard Fan 1367
Sun Sep 16, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: "Jack Bogle: Investors should 'always be in' the stock market"
Replies: 8
Views: 2820

Re: "Jack Bogle: Investors should 'always be in' the stock market"

I "should have" really bought a lot more stock funds when my investments dropped in 2008 or so. I didn't back up the truck and buy more because they were on sale but I didn't make the mistake mentioned in the article about dumping stocks when they were significantly down. They have roared back with...
by Vanguard Fan 1367
Sun Sep 16, 2018 8:43 am
Forum: Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5775

Re: Employer won't Match 401k. Why?

A 401K can legally have up to $55.5K put into it per year. That's $18.5K pretax from the employee, up to 100% pretax match from employer, and additional 18.5K post tax from employee "if your plan allows." First, please correct me if I got any part of that wrong. Second, who decides and how is it de...
by Vanguard Fan 1367
Sun Sep 16, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 115
Views: 9778

Re: Delaying Social Security Until 70

I will begin taking Social Security later this year at age 70, and read some surprising statistics recently: Only about 2% of Social Security beneficiaries wait until age 70 to get the maximum benefit. I understand that there are a myriad of reasons to take it sooner, but it seems to me that more p...
by Vanguard Fan 1367
Sun Sep 16, 2018 8:22 am
Forum: Investing - Theory, News & General
Topic: DOW [Closing price on Sep 14, 2018]
Replies: 15
Views: 2712

Re: DOW [Closing price on Sep 14, 2018]

Yesterday the DOW closed at 26,154. Do you think it will top 26,616 from January 2018 by the end of 2018? Almost there You could put some numbers on the table and look at: - The expected value (baseline) for the total # days left. - Same as above but using the calendar days - Same as above but cond...
by Vanguard Fan 1367
Sat Sep 15, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 21779

Re: Why Bull Markets Are Dangerous

for 2018, 20% of my portfolio is an actual real life bear market (ROOOAR), a larger portion of it is break even. my US Total Market portion is up like double digits. and i have a tiny option position that is up like 1000%. how exactly am i supposed to feel? i see people say stuff like, "wait til pe...
by Vanguard Fan 1367
Sat Sep 15, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Upcoming visit to Charleston, Flood issues of overhyped media?
Replies: 10
Views: 943

Re: Upcoming visit to Charleston, Flood issues of overhyped media?

I heard a South Carolina politician say that SC dodged a bullet with this hurricane. No guarantees but he may be right. I don't see the media overhyping Charleston flooding.
by Vanguard Fan 1367
Sat Sep 15, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: DOW [Closing price on Sep 14, 2018]
Replies: 15
Views: 2712

Re: DOW

yes I do
by Vanguard Fan 1367
Sat Sep 15, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire
Replies: 9
Views: 1865

Re: How to retire

If you have the personality and energy to entertain and hang out with friends that is a great way to live your life. Thanks for posting on how to retire. The true riches of life would include friends, not a huge investment portfolio.
by Vanguard Fan 1367
Sat Sep 15, 2018 9:10 am
Forum: Personal Investments
Topic: Hypothetical Question - Market Timing
Replies: 43
Views: 2577

Re: Hypothetical Question - Market Timing

I read Bogle's books starting in the spring of 2014. I had the same thoughts about market timing that you are discussing here. But thankfully I decided to invest and eventually ended up with a 70/30 asset allocation. The returns have been quite nice since 2014 even though I missed the low in about 2...
by Vanguard Fan 1367
Sat Sep 15, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 21779

Re: Why Bull Markets Are Dangerous

for 2018, 20% of my portfolio is an actual real life bear market (ROOOAR), a larger portion of it is break even. my US Total Market portion is up like double digits. and i have a tiny option position that is up like 1000%. how exactly am i supposed to feel? i see people say stuff like, "wait til pe...
by Vanguard Fan 1367
Sat Sep 15, 2018 8:34 am
Forum: Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5775

Re: Employer won't Match 401k. Why?

I decided to offer a 401K Safe Harbor to my employees. I give them 3 percent of their salary. They have the right to contribute up to 18K of their salary into the 401K which postpones their paying income tax on that contribution until the money is withdrawn, hopefully in retirement. I would probably...
by Vanguard Fan 1367
Sat Sep 15, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4577

Re: I need a chainsaw to trim branches and limbs!!

If you don't know what you're doing, a chainsaw will sho 'nuff trim your limbs. I have heard a "widowmaker" defined as a tree that falls against another tree when sawing rather than falling to the ground. My buddies and I had an accident trying to deal with a widowmaker. Thankfully the gash in one ...
by Vanguard Fan 1367
Sat Sep 15, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Humidity in basement
Replies: 65
Views: 4303

Re: Humidity in basement

Be aware, however, that running a 70 pint dehumidifier adds about $1 to $1.50 per day to your electric bill. In the summer when the a/c is regularly in use is also the peak usage for the dehumidifier, so *ouch*, opening the electric bill from June through Sept is really exciting. Interesting fact! ...