Search found 893 matches

by DA
Sat Sep 22, 2012 8:22 am
Forum: Personal Consumer Issues
Topic: Say no to high dental cost
Replies: 84
Views: 13218

Re: Say no to high dental cost

I wonder how readily you can find a dentist here at home (USA) willing to fix shoddy work done by a foreign dentist.

If the fix doesn't work, who catches the malpractice suit? The local dentist who the process server can reach, that's who!
by DA
Sat Jun 09, 2012 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need International and TIPS Funds?
Replies: 29
Views: 2806

Re: Do I need International and TIPS Funds?

I think your portfolio is just fine.

Keep the TIPS and the international. Many who post here make TIPS 50% of the fixed income portfolio, though the percentages vary all over from 0% to 100%.
by DA
Mon Jun 04, 2012 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Why not Wellington
Replies: 45
Views: 6995

Re: Why not Wellington

Is there any reason why it is not discussed or recommened much in this Forum? Wellington is a good fund, but it's not recommended much because it's not as diversified as other options. Wellington leans toward large, value stocks and corporate bonds. Total market options such as Total Stock Market I...
by DA
Sun Jun 03, 2012 7:41 pm
Forum: Forum Issues and Administration
Topic: Which Boglehead inactive member do you miss the most?
Replies: 111
Views: 13244

Re: Which Boglehead inactive member do you miss the most?

VictoriaF wrote:h---s? :twisted:

Victoria
No, not that one. :!:

I miss Munchkin Man. His posts made me smile. :happy
by DA
Sat Jun 02, 2012 9:03 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey and 7%
Replies: 46
Views: 10077

Re: Dave Ramsey and 7%

I don't think it safely exists either. That said, I agree with the poster above who stated that at a certain age a 7% withdrawal rate is entirely reasonable. Give Dave a break. He may not be as enlightened on investments as the average Boglehead but he provides a great service to many folks who are ...
by DA
Sun May 20, 2012 3:17 am
Forum: Investing - Help with Personal Investments
Topic: Survey, Mutual fund versus ETF usage
Replies: 26
Views: 1835

Re: Survey, Mutual fund versus ETF usage

Not interested in trading and I qualify for Admiral shares. Why would I need ETFs?
by DA
Sun May 13, 2012 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: 60/30/10 TotalStockIDX/It'lStockIDX/TotalBondIDX - I'm 24
Replies: 9
Views: 1390

Re: 60/30/10 TotalStockIDX/It'lStockIDX/TotalBondIDX - I'm 2

The ideal mix? That's impossible to know in advance. Those three index funds are low cost and fine to use. If you're using Total Stock Market Index you don't need the S&P 500 Index. 90% stocks is plenty aggressive. Just remember, your portfolio could drop 45% (or more) in the next bear market. Make ...
by DA
Tue May 08, 2012 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Combining Total Bond Fund and TIPS
Replies: 11
Views: 1678

Re: Combining Total Bond Fund and TIPS

The Welder wrote:Would it be prudent to combine equal portions of both bond funds to reach the recommended 33% for the bond portion of the portfolio?
Many people on this forum do exactly that ... 50% Vanguard Total Bond Market Index + 50% Vanguard Inflation Protected Securities.

It's a perfectly fine way to go.
by DA
Tue May 01, 2012 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation target - portfolio size dependent?
Replies: 7
Views: 1157

Re: Asset Allocation target - portfolio size dependent?

Your target asset allocation should be based on your ability and need to take risk, not the size of your portfolio.
by DA
Tue May 01, 2012 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares or ETF'S?
Replies: 35
Views: 4237

Re: Admiral Shares or ETF'S?

Assuming I had enough to invest into Admiral Shares, which would be better to invest into? Total Stock Market Fund Admiral Shares or ETF's ?? Go with the Admiral shares. Unless, of course, you're interested in trading in which case you'd go with ETFs. They trade all day long on the exchanges just l...
by DA
Mon Apr 23, 2012 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: New Online Tool - Future Advisor
Replies: 15
Views: 7064

Re: New Online Tool - Future Advisor

Petunia wrote:I tried it and got some surprising advice, so I wondered if people here had any opinions about it.
Interesting tool. It pretty much gave me the stock/bond and domestic/foreign split I've got now. It does seem to go heavy on REIT and Tips.
by DA
Fri Apr 20, 2012 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k New Additions
Replies: 10
Views: 713

Re: Fidelity 401k New Additions

Anyone invested in any of these funds? If so thoughts on their outlook? Thx..... Our 401(K) is with Fidelity but doesn't contain any of these funds. We have the Advantage Shares of Fidelity Spartan Total Market Index and that's what I use for equity investing. Nisiprius gave you very good advice on...
by DA
Wed Apr 11, 2012 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: David Swensen's lazy portfolio
Replies: 30
Views: 7935

Re: David Swensen's lazy portfolio

Swensen recommends a high allocation to REIT (I want to say it's 20%).

This asset class can be seriously volatile. if you make the commitment, be sure you've got lots of Maalox on hand.
by DA
Sun Apr 08, 2012 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Please recommend investment book for busy executive
Replies: 10
Views: 981

Re: Please recommend investment book for busy executive

Ideally, I'd want to give him a book he can read on a flight from California to New York. Try Investing Made Simple by Mike Piper. Here's the link to the book on amazon.com: http://www.amazon.com/Investing-Made-Simple-Explained-ebook/dp/B004KA9RN2/ref=sr_1_1?s=digital-text&ie=UTF8&qid=1333894997&sr...
by DA
Wed Mar 28, 2012 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: What are the pros and cons on idex funds today?
Replies: 13
Views: 1649

Re: What are the pros and cons on idex funds today?

nwpfaff wrote:Is there a down side.
Only one that I can think of ... You'll never be able to brag at a cocktail party about your index fund performance. :happy
by DA
Tue Mar 20, 2012 9:00 pm
Forum: Personal Consumer Issues
Topic: Greek Yogurt: Worth the Money, Yay or Nay?
Replies: 58
Views: 5868

Re: Greek Yogurt: Worth the Money, Yay or Nay?

This is all you need to know: Chobani Greek Yogurt. Rich, creamy, delicious and high in protein.

www.chobani.com
by DA
Tue Mar 20, 2012 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: where should I put $10,000
Replies: 18
Views: 2404

Re: where should I put $10,000

nhdean wrote:I have $10,000 to put away. I won't need it for a little over a year. I just want to put it all in one fund.
Put in the highest yielding, FDIC insured, online savings account that you can find. Want a little more risk than that? Try the Vanguard Short Term Investment Grade Bond Fund.
by DA
Mon Mar 19, 2012 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Use this lawyer, or move on?
Replies: 27
Views: 2625

Re: Use this lawyer, or move on?

Anon1234 wrote:So, if you were me would you work with this person or move on?
Move on. Lawyers who do estate planning work are plentiful.
by DA
Sat Mar 10, 2012 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: take job as worker's compensation claims adjuster?
Replies: 8
Views: 963

Re: Anyone have experience in worker's compensation?

HogsAndApples wrote:Yes, I am considering working as a claims adjuster position in worker's comp. Any other pros and cons of this work in the area of worker's comp would be helpful.
Dealing with unscrupulous lawyers and claimants out to "work the system" can be a real challenge.
by DA
Sun Feb 26, 2012 10:03 am
Forum: Personal Finance (Not Investing)
Topic: How long will I live?
Replies: 4
Views: 641

Re: How long will I live?

I am 60, wondering how to plan for retirement. What are the odds of living to 75, 85, 95? Getting an illness? What are the odds or probabilities? Where are there good actuarial tables to estimate how long I will possibly live other then hoping and praying? What are the numbers? Try right here ... w...
by DA
Sun Feb 19, 2012 6:25 pm
Forum: Investing - Theory, News & General
Topic: Anyone besides me hoping for a rise in Interest rates?...
Replies: 12
Views: 1629

Re: Anyone besides me hoping for a rise in Interest rates?..

Cut-Throat wrote:I just cannot understand how zero or negative interest rates are going to help bond investors.
They do nothing for bond investors but hopefully they'll help prop up the economy.
by DA
Sun Feb 12, 2012 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: advice for 401(k) apathy
Replies: 4
Views: 507

Re: advice for 401(k) apathy

I don't think he wants to make any changes that would trigger huge capital gains tax. Can this be converted to a Traditional IRA and Vanguard as a custodian, giving him flexibility to invest as he wished? Absolutely this can be done. It's the best thing your friend could do. This will not incur cap...
by DA
Sun Feb 12, 2012 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Let's get right to the point
Replies: 9
Views: 1886

Re: Let's get right to the point

There is no need (so far ) to withdraw money from IRA account except for RMD . Because my taxable money market account is getting bigger and not earning “SQUAT”, I am asking your advice as what to do with a sizable portion of the money market. I look forward to your ideas Jimi I don't believe RMDs ...
by DA
Sat Feb 11, 2012 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Considering a change to Chase Bank
Replies: 52
Views: 4799

Re: Considering a change to Chase Bank

Would any Chase checking account customers be willing to weigh in on good/bad/ugly? Thanks. Sure. I've had a checking account at Chase for quite some time. Overall the service has been good. I'd be remiss, though, if I didn't mention a couple of minor annoyances. On two occasions, roughly seven yea...
by DA
Sat Feb 11, 2012 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance cancelled
Replies: 34
Views: 3112

Re: Insurance cancelled

I don't know if they would count physician as an occupation that they would consider to be too risky. Mike, you may have answered the question right there. You mentioned that State Farm is non-renewing your Umbrella policy. Maybe State Farm made a decision not to provide high limits of liability co...
by DA
Sun Feb 05, 2012 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio AA
Replies: 30
Views: 2073

Re: Retirement Portfolio AA

Do you think it is worth rolling the 401k into an IRA to get more choices?
You can't roll your 401 into an IRA while you are still working.
MrBrainwash, ask your employer if your plan allows an "In Service" Rollover.
by DA
Sat Jan 28, 2012 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: how you weathered the 2008 financial downturn
Replies: 147
Views: 13055

Re: how you weathered the 2008 financial downturn

Weathering the tech bust successfully had a lot to do with it. I suppose I developed some "financial callouses", so to speak, that got me through 2008.

There's nothing like a bear market to teach you great respect for risk.
by DA
Mon Jan 16, 2012 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced Index Admiral or Wellington
Replies: 27
Views: 3361

Re: Balanced Index Admiral or Wellington

Toons wrote:If You had to choose between Balanced Index Admiral or Wellington which fund would be your choice,thoughts :D
My choice would be Balanced Index for more diversification than Wellington.
by DA
Mon Jan 16, 2012 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Finding a Primary Care Physician
Replies: 41
Views: 3772

Re: Finding a Primary Care Physician

LonePrairie wrote:Be aware that some people posting reviews of doctors have axes to grind, but if there are a lot of reviews for a doctor, in my experience you can get a feel for what the doctor is like.
The OP may want to check out http://www.ratemds.com.
by DA
Sun Jan 15, 2012 10:22 am
Forum: Personal Consumer Issues
Topic: Older? Are you going to die in the next five years?
Replies: 27
Views: 3297

Re: Older? Are you going to die in the next five years?

EmergDoc wrote:Live every day to the fullest. Nobody gets out alive.
Very true. Thank you for the powerful reminder.
by DA
Thu Jan 12, 2012 5:56 pm
Forum: Personal Consumer Issues
Topic: Take the 'smart' out of smartphone
Replies: 23
Views: 2088

Re: Take the 'smart' out of smartphone

dave66 wrote:There... Somebody had to say it. :-)
dave, I hear ya.

To clear things up and get to the heart of the matter, just try calling that smartphone. Many times they refuse to answer. They view the smartphone as nothing more than a texting device and a way to get on Facebook.
by DA
Sun Jan 08, 2012 6:03 pm
Forum: Personal Consumer Issues
Topic: Glad it wasnt an accident but what were my options
Replies: 75
Views: 4914

Re: Glad it wasnt an accident but what were my options

gabbar wrote:I am not sure I did the right thing. What would you do?
I would not have gone back. I would not have called the cops. Confronting strangers could be hazardous to your health ... lots of crazies out there.
by DA
Sun Jan 08, 2012 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington or Vanguard 2020?
Replies: 8
Views: 1929

Re: Wellington or Vanguard 2020?

We are opening a roth ira. I am curious which fund would you choose: Vanguard Wellington or the 2020 fund? We are in our mid-30's, so we like the bond portion to be around 40%. Thanks... When value stocks and corporate bonds are doing well, Wellington will shine. When one or both of them are out of...
by DA
Sat Jan 07, 2012 2:22 pm
Forum: Investing - Theory, News & General
Topic: Consumer Reports takes on banks, financial companies
Replies: 27
Views: 2951

Re: Consumer Reports takes on banks, financial companies

tfb wrote:And the fact you haven't left indicates they offered and are still offering the products you want.
It's either that or just plain old inertia!
by DA
Sun Jan 01, 2012 10:21 pm
Forum: Personal Consumer Issues
Topic: Try out a new dentist for $100? (or $200)
Replies: 6
Views: 993

Re: Try out a new dentist for $100? (or $200)

I would not choose a dentist by their advertizing. If I wanted to change (I did a few years ago), I would choose a new dentist on the basis of a recommendation. I agree. A really good dentist would attract patients on the strength of his/her work with no need to send out advertisements in the mail.
by DA
Sat Dec 31, 2011 9:55 pm
Forum: Investing - Theory, News & General
Topic: New guy confused on VWENX "foreign holdings"
Replies: 2
Views: 515

Re: New guy confused on VWENX "foreign holdings"

Since a significant portion of my assets are in VWENX, I would like to know how if any of the 9.7% of VWENX's equity portion should be included toward the 20%. Actually, vanguard.com shows the 9.7% also (as of 11/30/11). So, as of 11/30, you should count 9.7% of 65.79% of your balance in the fund a...
by DA
Sat Dec 31, 2011 7:48 am
Forum: Investing - Theory, News & General
Topic: Bodie: Plan your retirement portfolio for zero real return
Replies: 230
Views: 19683

Re: Bodie: Plan your retirement portfolio for zero real retu

Christine_NM wrote:I can't find anything better than a value-tilted, age-in-bonds portfolio for surviving all conditions and giving me the feeling that no matter what is in style, I already own a bit of it so I'm not tempted to dabble.
Perfect!
by DA
Fri Dec 30, 2011 7:32 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 Vanguard Retirement Income and Wellesley Portfolio?
Replies: 7
Views: 1895

Re: 50/50 Vanguard Retirement Income and Wellesley Portfolio

Wellesley seems to fit that bill - my main question is not if it's the right fund but is a 50/50 split unreasonable assuming that this is one's entire nest egg (minus social security and small pension). My mother is 66. Let's do the math. Wellesley is 37% equities. Target Retirement Income is 30% e...
by DA
Mon Dec 26, 2011 8:31 pm
Forum: Investing - Theory, News & General
Topic: What's your average duration?
Replies: 5
Views: 725

Re: What's your average duration?

80% of the VBTLX duration + 20% of the VAIPX duration = Just shy of six years
by DA
Mon Dec 26, 2011 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick a single fidelity spartan fund
Replies: 10
Views: 1633

Re: Help me pick a single fidelity spartan fund

inv321 wrote:So, what do you believe is the best fund offered at fidelity ? All of my other Indus are held at vanguard.
Go for Fidelity Spartan Total Market Index (FSTMX) at 10bp expense ratio vs. 21bp for FFNOX. Good luck!
by DA
Sun Dec 25, 2011 9:12 am
Forum: Investing - Theory, News & General
Topic: Dividends on Index Funds
Replies: 11
Views: 1415

Re: Dividends on Index Funds

All my funds are in 401k or Roth's so dividends are reinvested. Can someone tell me if you own an index fund outside a tax advantaged account, are the dividends sent to you? Regards and Merry Christmas Bob If you request it you can receive a check in the mail. Here's some information on your option...
by DA
Sat Dec 24, 2011 7:52 am
Forum: Investing - Theory, News & General
Topic: 23% of money managers are outperforming the large cap index!
Replies: 13
Views: 1928

Re: 23% of money managers are outperforming the large cap in

According to a Bank of America-Merrill Lynch report earlier this month, only 23% of U.S. stock-fund managers were outperforming the large-cap benchmark for the year... http://online.wsj.com/article/SB10001424052970204552304577116062109262508.htm Unfortunately, that outperforming 23% was not identif...
by DA
Wed Dec 21, 2011 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Target Fund vs. Personal Approach
Replies: 13
Views: 1695

Re: Target Fund vs. Personal Approach

Yes, I would just seek to mimic the AA, so maximally I could do it quarterly, is what I understand you to say, to avoid fees, or instead possibly yearly or when a target watch point is reached....thank you....so if I held them individually at the same ratios as in VTWNX, I look at an expense ration...
by DA
Tue Dec 20, 2011 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard CFP suggestion?
Replies: 2
Views: 494

Re: Vanguard CFP suggestion?

I'm thinking something like a 50/50 split between Wellesley and Target Income. Sound good? Or are we taking mom's money for a walk on the wild side? :) 50/50 Wellesley and Target Income is hardly different from 100% Target Income. (50%*37%) + (50%*30%) = 34% stocks (vs. 30% stocks for an all Target...
by DA
Sat Dec 17, 2011 6:08 pm
Forum: Investing - Theory, News & General
Topic: 4% Doesn't Work! You need a Bucket Plan! (AARP)
Replies: 27
Views: 5200

Re: 4% Doesn't Work! You need a Bucket Plan! (AARP)

So, a 60-year old with a 30-year plan should be 33/33/33 cash/bonds/stocks. At 70, they will be 50/50 bonds/stocks. At 80, they will be 100% stocks. (This article is apparently not in the online edition of the magazine.) Do the Bogleheads have a Hall of Shame? I have some nominees. Keith I wonder w...
by DA
Tue Dec 13, 2011 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Market Index vs. other bond funds?
Replies: 9
Views: 2420

Re: Total Bond Market Index vs. other bond funds?

Given that interest rates will rise at some point and bond prices fall, wouldn't it make more sense to buy Short-Term Investment Grade Bond Fund VFSTX (ER .22%, SEC yield 1.91%, YTD 1.7%) and/or Intermediate-Term Investment Grade Bond Fund VFICX (ER .22%, SEC yield 3.28%, YTD 6.68%) and/or Intermed...
by DA
Mon Dec 12, 2011 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Plan vs Panic: A New Course to Stay?
Replies: 8
Views: 1703

Re: Plan vs Panic: A New Course to Stay?

Interesting article. Thanks for posting. At first glance this advice seems overly conservative. Then again, maybe not! As for stocks, she says "people with long-term savings shouldn't give up on stocks." And she notes, "The new, conservative advice concerns how much to have in stocks during the crit...
by DA
Sun Dec 04, 2011 8:14 am
Forum: Investing - Theory, News & General
Topic: What percentage of assets are in passive funds?
Replies: 5
Views: 648

Re: What percentage of assets are in passive funds?

Eferv wrote:Anyone know how much money is in passive funds compared to active?
According to this Vanguard paper publilshed in February 2011: https://personal.vanguard.com/pdf/icrpi.pdf

The percentage of indexed assets is about 13.2%.
by DA
Sun Dec 04, 2011 7:46 am
Forum: Personal Consumer Issues
Topic: Living in the Third Saddest City.
Replies: 56
Views: 5342

Re: Living in the Third Saddest City.

I believe Utah has the highest rate of antidepressant usage in the country and no Utah cities appear in the sad cities list.