Search found 752 matches

by Vanguard Fan 1367
Wed Oct 03, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Help me get out of my mess (AHumanInterest edition)
Replies: 24
Views: 3060

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: Investing - Help with Personal Investments
Topic: Turning 70 1/2 next year 73% in US stocks in Portfolio
Replies: 25
Views: 2763

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: 80
Views: 8687

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: 3499

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: 25
Views: 2245

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: 3499

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: 3499

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: 1272

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: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5577

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: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5577

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: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5577

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: 148
Views: 28106

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: Investing - Help with Personal Investments
Topic: (No Savings) *Everything* in S&P 500?
Replies: 33
Views: 3933

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: 1840

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: 34033

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: 5107

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: 1101

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: Investing - Help with Personal Investments
Topic: (No Savings) *Everything* in S&P 500?
Replies: 33
Views: 3933

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: 9388

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: 34033

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: 5048

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: 5920

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: Investing - Help with Personal Investments
Topic: How to stay the course when you “think” you can outsmart the market
Replies: 36
Views: 2287

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: 2736

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: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5577

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: 9388

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: 2687

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: 19036

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: 922

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: 2687

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: 1821

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: Investing - Help with Personal Investments
Topic: Hypothetical Question - Market Timing
Replies: 43
Views: 2499

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: 19036

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: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5577

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: 4388

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: 4154

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! ...
by Vanguard Fan 1367
Sat Sep 15, 2018 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Form ADV mentions some Cayman Islands hedge funds. What are they?
Replies: 3
Views: 444

Re: Vanguard Form ADV mentions some Cayman Islands hedge funds. What are they?

I agree that it is interesting. Bogle in my understanding wouldn't be too excited about this but there are other things that Bogleheads and Vanguard do that aren't Bogle approved or recommended.
by Vanguard Fan 1367
Sat Sep 15, 2018 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Critical Account
Replies: 20
Views: 2504

Re: Critical Account

I sure do love the current interest with my Vanguard Prime Money Market account. Nothing wrong with using 5k wisely and getting a little interest. If she can keep track of the checkbook with the account when you die she can write checks for 500 dollars or more and be on her way with having some cash.
by Vanguard Fan 1367
Sat Sep 15, 2018 12:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Assets Held In Street Name
Replies: 52
Views: 1507

Re: A Great Reason to Consider Vanguard's Brokerage Services

I assumed that if Fidelity went bankrupt that the Fidelity Funds I own would still be mine. I am mistaken?
by Vanguard Fan 1367
Fri Sep 14, 2018 1:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard TV ad...a first for me
Replies: 2
Views: 507

Re: Vanguard TV ad...a first for me

I saw a tv ad myself today, I believe on the Hallmark Channel. Bogle is my hero and I believe that he is more of a have a Vanguard a little smaller than it is. I hope that Vanguard can keep up with the great service that I have enjoyed for many years as it becomes huge!
by Vanguard Fan 1367
Fri Sep 14, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Quarterly tax payments for self-employment income?
Replies: 5
Views: 309

Re: Quarterly tax payments for self-employment income?

It is pretty easy to go to irs.gov and download and print 1040ES forms. If you think you owe some tax you do have the option of paying that tax with that form. I don't find the IRS penalties to be too oppressive on the 1040ES, I know someone who just waits till she files her 1040 and pays the penalt...
by Vanguard Fan 1367
Fri Sep 14, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: How to overcome regrets/fears?
Replies: 15
Views: 1502

Re: How to overcome regrets/fears?

Bogle says that he can't time the market and he doesn't know anyone who knows anyone who can time the market. At 29 I would recommend that you consider buying a low fee index fund, Bogle and I would prefer Unites States rather than emerging or international, and maybe some sort of low fee bond fund....
by Vanguard Fan 1367
Fri Sep 14, 2018 8:00 am
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 19036

Re: Why Bull Markets Are Dangerous

mrspock wrote:
Sat Sep 08, 2018 10:57 pm
Wow, seniors wanting to push “all in”.... if my Starbucks barista starts giving me hot stock tips I’m selling everything.
My 92 year old mother in law is pretty comfortable being all in. I did talk her into buying 10K worth of a Vanguard Bond Fund ETF.
by Vanguard Fan 1367
Fri Sep 14, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Review
Replies: 15
Views: 1298

Re: Credit Card Review

I like for simplicity the 2 percent back on everything. I have the Fidelity Card but the one that you have I agree with the Citi employee that it is great. I once in a while have an issue of losing track of the bill or the payment and have to pay penalties and interest for a late payment. If you can...
by Vanguard Fan 1367
Thu Sep 13, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4388

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

[urlhttps://www.amazon.com/BLACK-DECKER-BDCR20B-Lithium-Reciprocating/dp/B00IP27DFA/ref=zg_bs_552950_1?_encoding=UTF8&psc=1&refRID=6N0XA8746ANN113SM7Z1][/url] Anyone have experience with this reciprocating saw? It sure is well priced. I just read that this is a bare saw for 40 dollars. Looks like ab...
by Vanguard Fan 1367
Thu Sep 13, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6749

Re: Lower Return Decade Says Jack: Thoughts?

I have really appreciated Jack's conservative predictions. Everyone on this forum should expect a Total Stock Market Fund drop of 50 percent or so sometime in the next few years. The trick is to not panic and sell when there is blood in the streets, to quote Warren. That drop will help put Jack's co...
by Vanguard Fan 1367
Thu Sep 13, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4388

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

I like the reciprocating saw idea for your projected use. It would be pretty easy to change the blades. I would think that the recip saw would be safer than the chainsaw but I am just speculating.
by Vanguard Fan 1367
Thu Sep 13, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Going to the Everglade. A few questions please.
Replies: 21
Views: 1234

Re: Going to the Everglade. A few questions please.

http://www.sun-sentinel.com/news/transportation/fl-reg-doctor-detour-qna-112017-story.html This article says that you will have to wait till 2019 to get compatibility with Sun Pass with your EZ Pass. https://www.sunpass.com/en/about/sunpassTransponders.shtml I don't guarantee that if you tape the 5...
by Vanguard Fan 1367
Thu Sep 13, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Going to the Everglade. A few questions please.
Replies: 21
Views: 1234

Re: Going to the Everglade. A few questions please.

Shark Valley is on US 41 and is a great place to see wildlife with its tram tour.

Others can help with the question about whether or not your Toll Pass will work in Florida. I am not sure.