Search found 1394 matches

by bayview
Wed Jun 20, 2018 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Looking for EUR holy grail bond strategy
Replies: 62
Views: 3395

Re: Looking for EUR holy grail bond strategy

It's shrug time. Except that apparently for US investors the "Bogle way" is aggregate (BND), why would that be different for Europeans? US investor here - many of us use non-aggregate fixed income, including Treasury funds, individual Treasuries, and CDs. I do this so that I can increase our exposu...
by bayview
Mon Jun 18, 2018 7:12 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8159

Re: Very confused with the current market

- It has been history higher and higher. - the fundamental law says it will recycle every 10 years - I had been on cash for 10 months Please don't tell me I should not time the market. What's going wrong? What's "going wrong" is that you are working off of assumptions and thinking that they are cas...
by bayview
Mon Jun 18, 2018 6:34 am
Forum: Investing - Theory, News & General
Topic: Buying CDs each month for decades
Replies: 22
Views: 5280

Re: Buying CDs each month for decades

I don't think you can buy brokered CDs in amounts as low as $1,000. Absolutely you can! I just did it on Monday. If I've accumulated dividends/interest from whatever source in in my brokerage account, and I need to rebalance toward bonds, I will frequently buy a single $1K CD so as not to leave the...
by bayview
Fri Jun 15, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 75
Views: 5076

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Question: so you’re still working on the option to choose a different start date without having to enter spousal claiming? Because there’s no way DH would ever file for spousal, having already drawn SS for 4 1/2 years. I kept throwing different dates in there for spousal, and the results got strang...
by bayview
Fri Jun 15, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 75
Views: 5076

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Update: The calculator now allows for situations in which one of two spouses has already filed, in order to get a suggestion for the other spouse... Thanks, this is great! And the result was instant (Safari.) I think your coding skills are doing just fine. Question: so you’re still working on the o...
by bayview
Thu Jun 14, 2018 3:56 pm
Forum: Investing - Theory, News & General
Topic: Why market drop when Fed announced rate increase?
Replies: 19
Views: 2490

Re: Why market drop when Fed announced rate increase?

It's because it was the day before my biweekly contribution went in. Now that the contribution goes in as of close of business today , it's back up. :annoyed --in other words, there's a lot of irrationality in the market. Despite what the pundits on TV/ radio/ interwebz tell you, there is very, very...
by bayview
Thu Jun 14, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 75
Views: 5076

Re: "Open Social Security" calculator: feature requests, bug reports, etc

< insert popcorn-eating emoji here >

sorry, jk truly!

Appreciate all the work you are doing on this.
by bayview
Tue Jun 12, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 112
Views: 5420

Re: long term care insurance

Thanks. Would you mind saying which company her policy is through? And your policy? Did you decide on the company and policy and contact them directly or did you use a broker of some kind? On another note, I have requested email notification when someone posts on this topic and I'm not getting them...
by bayview
Mon Jun 11, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 75
Views: 5076

Re: "Open Social Security" calculator: feature requests, bug reports, etc

A bump and a vote for quick implementation of: 2) Option to enter that one spouse has already filed (before FRA in our case.) It's definitely next on my to-do list. Having the calculator completely fail to run for a significant group of people is obviously less than ideal. :oops: I can't say how lo...
by bayview
Mon Jun 11, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: death certificates...hospice and 911
Replies: 32
Views: 2895

Re: death certificates...hospice and 911

Typically, in these circumstances (expected death), the death certificate is done by the primary care provider or by the physician who ordered hospice care. That person is rarely the one who pronounces death, but s/he is familiar with the patient’s medical condition and can therefore render the opin...
by bayview
Mon Jun 11, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 75
Views: 5076

Re: "Open Social Security" calculator: feature requests, bug reports, etc

This thread is intended to serve as a place for Bogleheads to submit bug reports or make feature requests for the free/open-source "Open Social Security" calculator: https://opensocialsecurity.com/ <- the calculator https://github.com/MikePiper/open-social-security <- source code for anybody intere...
by bayview
Sat Jun 09, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Simple method to see which countries VSS stocks come from?
Replies: 4
Views: 305

Re: Simple method to see which countries VSS stocks come from?

If it would be enough simply to have a country-by-country breakdown, you can get this from VSS's Portfolio page . Scroll down about one-third of the way to the section labelled "Market Allocation". Right, that part I've got. I was just curious as to how the sectors within each country were weighted...
by bayview
Sat Jun 09, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 103
Views: 7692

Re: US T bills - first time user

Regarding T-Bill quotes with Yield to Maturity data: WSJ Data Center https://s22.postimg.cc/69umclsxt/T-bills_Capture.gif http://www.wsj.com/mdc/public/page/2_3020-treasury.html?mod=topnav_2_3010#treasuryB No subscription needed. This data is of the last market "close". During market hours you can ...
by bayview
Sat Jun 09, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 103
Views: 7692

Re: US T bills - first time user

I see that you're right about the Tbill confirmation only showing the discount rate (I looked at one of mine). So what you can do is go to the TD site and look up the investment rate for that bill. For example, for the 3-month bill I bought maturing 6/21/2018, the discount rate on the confirmation ...
by bayview
Sat Jun 09, 2018 2:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard products in Spain
Replies: 3
Views: 245

Re: Vanguard products in Spain

I never cease to be amazed at this forum and the wikis. :sharebeer

Time to make another donation!
by bayview
Sat Jun 09, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: Simple method to see which countries VSS stocks come from?
Replies: 4
Views: 305

Re: Simple method to see which countries VSS stocks come from?

You want to know more than which countries, but you want all stocks from a given country. Morningstar.com has a stock overlap tool. You could see the overlap between VFSVX and an all-Canadian index fund. And you could see the overlap between VFSVX and an international REIT fund. And you could see t...
by bayview
Sat Jun 09, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 103
Views: 7692

Re: US T bills - first time user

A bump for a question from another first-timer involving discount rates vs YTM: DH has brokered CD's (1-3 years) and T-bills (3, 6, and 12 months) in his IRA. When the bond markets are open, I'm working. When they're closed, I can't see what's up with new issues. You can always see what's up with n...
by bayview
Sat Jun 09, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 103
Views: 7692

Re: US T bills - first time user

...But since I was curious about how you would determine the YTM for security with less than a year to maturity, I did find this: https://pocketsense.com/calculate-yield-maturity-6month-tbill-5959681.html At another link it was indicated that the ask yield is the bond yield equivalent (b.y.e), FWIW...
by bayview
Sat Jun 09, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: Simple method to see which countries VSS stocks come from?
Replies: 4
Views: 305

Simple method to see which countries VSS stocks come from?

^^ Sorry about the abbreviation; I was trying to save space. VSS is the ETF version of Vanguard's International (non-US) Small Cap stock fund. VFSVX is the mutual fund version. 12.2% of this fund is made up of Canadian investments. The prospectus lists individual stocks and their percentages, but un...
by bayview
Sat Jun 09, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7358

Re: VMMXX (Vanguard Prime MM) risks

Or just go with the Federal Money Market sweep account. There is a reason Vanguard used that fund for the sweep account instead of Prime money market. I am going to guess because of less risk. There was some SEC regulation that required that VMFXX be used as the sweep account as of October 2016. --...
by bayview
Sat Jun 09, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 103
Views: 7692

Re: US T bills - first time user

A bump for a question from another first-timer involving discount rates vs YTM: DH has brokered CD's (1-3 years) and T-bills (3, 6, and 12 months) in his IRA. When the bond markets are open, I'm working. When they're closed, I can't see what's up with new issues. I am quite maddened that Vanguard di...
by bayview
Sat Jun 09, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Anyone else cheap like me and have to put new $s into the asset class that's down the most?
Replies: 23
Views: 2620

Re: Anyone else cheap like me and have to put new $s into the asset class that's down the most?

No. My portfolio is total market. I buy into whatever asset class doesn't match total market (lately, a lot of international small cap to balance out my TSP). Once the TSP updates their I Fund next year I suspect new contributions will go 50/50 Total US/Total International. I use brokerage in my 40...
by bayview
Sat Jun 09, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 31260

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

Thanks for the reply. Nothing on the overview screen with the word "Brokerage." Also nothing on my statements. I can't figure out if when I called in about not liking the new statement format if they moved me back to the old platform from the new one or if they just deleted the brokerage account fr...
by bayview
Tue May 29, 2018 8:41 pm
Forum: Investing - Theory, News & General
Topic: Bernstein - CD + Treasuries + Munis VS Vanguard Total Bond ??
Replies: 14
Views: 2008

Re: Bernstein - CD + Treasuries + Munis VS Vanguard Total Bond ??

Our fixed income is in Treasuries, CDs out to three years, and the G fund. (We’re nowhere near the point of needing munis. :D )
by bayview
Tue May 22, 2018 8:14 pm
Forum: Investing - Theory, News & General
Topic: Do I understand duration correctly?
Replies: 33
Views: 2627

Re: Do I understand duration correctly?

Perhaps I need to have a sort of “lmp” made up of individual securities with set maturity dates. I wish my kids’ §529s and my TSP allowed me to do that. What do you mean by "lmp"? (Unsolicited advice to the board: What we write here is read by hundreds or even thousands. I try to avoid shorthand) W...
by bayview
Tue May 22, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: Bogle featured in Barrons cover story
Replies: 38
Views: 3689

Re: Bogle featured in Barrons cover story

“Pull up your socks” means to stop slouching around and get going.

IT and CS are information technology and customer service, of course.

If VG would convey a bit of a sense of urgency, it would be reassuring.
by bayview
Mon May 21, 2018 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Basics
Replies: 23
Views: 2161

Re: Estate Planning Basics

Read: Books on Wills, Trusts, and Estates ... Thanks for the book recommendation, I just ordered it. While that book is popular here, keep in mind that the author is in California, so much of what he writes is geared to community property states, particularly California. Also note that he focuses o...
by bayview
Mon May 21, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Home Loan from Parents
Replies: 24
Views: 2296

Re: Home Loan from Parents

If neither the borrowers nor lenders are doing this through financial desperation (meaning that things are done because of some sort of ongoing disaster and fall through in a most unpleasant way), I don’t think that the National Bank of Mom and Dad should be automatically discounted. My former MIL (...
by bayview
Mon May 21, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Multiples credit pulls on a mortgage app
Replies: 15
Views: 1167

Re: Multiples credit pulls on a mortgage app

My banker made a goof and accidentally ran my credit twice for my mortgage application within a week period. I know that multiple pulls for various lenders during the rate shop period do not affect your credit. Should I ask her to remove one of the inquiries or is this a moot point? Ideally, when F...
by bayview
Mon May 21, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Multiples credit pulls on a mortgage app
Replies: 15
Views: 1167

Re: Multiples credit pulls on a mortgage app

duplicate post; please see below
by bayview
Mon May 21, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4447

Re: Buying a Vacation Rental Property as an Investment

Regardless of whether you fully buy into global warming and the related issues I would highly recommend that you fully research how your beach front property has been affected over the last decade. As well as trying to ascertain how the area is projected to do in the next decade. One of the reasons...
by bayview
Mon May 21, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4447

Re: Buying a Vacation Rental Property as an Investment

Thanks for the info lot of good replies. Guess I should have provided additional context to my post. 1.) Area is a real estate market my parents have followed and owned in for over 20 years. 2.) It is a vacation destination (and has been for a long time). Basically the vast majority of homes are re...
by bayview
Mon May 21, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts and Bank Accounts
Replies: 17
Views: 1232

Re: Trusts and Bank Accounts

Thank you for the explanation. It still seems unnecessarily complicated. But you have to remember that you created this trust for a reason, presumably to “wall off” assets in some manner for some reason (protection of inherited assets from spouses/ creditors, etc.) That means that there must be a c...
by bayview
Mon May 21, 2018 8:55 pm
Forum: Investing - Theory, News & General
Topic: Bogle featured in Barrons cover story
Replies: 38
Views: 3689

Re: Bogle featured in Barrons cover story

"and a particular favorite is Vanguard Tax-Managed Growth and Income [VTGIX]." This is not right, there is not such a fund at Vanguard any longer and the symbol belongs to a fund from a different family. I believe one of his favorites is the Vanguard Tax-Managed Balanced Fund (VTMFX). Someone pleas...
by bayview
Mon May 21, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: Investing in Vanguard from Overseas - Employer Address
Replies: 13
Views: 1538

Re: Investing in Vanguard from Overseas - Employer Address

Hey, littleislander, I am in the same position as you. In the end what did you do? I'm considering to list my employment status as self-employed. Just curious to see how you've progressed. Hello! As you may know, investing in Vanguard when you live abroad is hard and a few people on this board have...
by bayview
Mon May 21, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: If RMD are large should you still defer into 401k
Replies: 32
Views: 3157

Re: If RMD are large should you still defer into 401k

It’s not just the size of the RMDs. It’s also that you are required to take them at a time that might screw up your tax planning, affect taxation of SS for those of us without high retirement income, etc.
by bayview
Mon May 21, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 48412

Re: "Why 97% of People Don't Use 529 College Savings Plans."

i don't understand why 529 threads always end up being so long... Well, sometimes because they were started four years ago, with the most recent post nearly a year and a half ago, and someone disinterested them? :D At any rate, posters might want to note the date of a post being responded to, in ca...
by bayview
Mon May 21, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4447

Re: Buying a Vacation Rental Property as an Investment

... While it may be true that rentals go up generally during recessions, the value of vacation rental properties in areas with lots of second homes and vacation rental properties do NOT. To the contrary, their values tend to get hit the most and take the longest to boomerang. A prime example is the...
by bayview
Mon May 21, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a phrase for that?
Replies: 14
Views: 1183

Re: Is there a phrase for that?

Hi, Imagine a plan that involves saving 20x or 25x of annual spend that one will start drawing down at age 60ish. Say that corpus is achieved at age N (where N < 60). Between N and 60 ages the plan would be to make enough to live at cost price (no need to save but also not touch the corpus). This i...
by bayview
Thu May 17, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Employ a daughter who in turn volunteers?
Replies: 18
Views: 1350

Re: Employ a daughter who in turn volunteers?

Is volunteering in the research lab useful to her? For example will she learn something or acquire useful contacts? If yes, I would not mess with trying to finagle things financially and just let her enjoy her 2-3 month job. If no, I would have her look for a paying job instead. Yes, this is extrem...
by bayview
Thu May 17, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: The Executor's Duties
Replies: 13
Views: 1233

Re: The Executor's Duties

Gill wrote:
Thu May 17, 2018 4:13 pm

...Didn't you ask a similar question less than a month ago that was discussed at length?
Gill
Yep. I don’t think it was ever clarified whether the poster was the heir or the heir’s BF.

IIRC, there was a lot of drama involved.
by bayview
Thu May 17, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: "Patient paid amount" for month of death in nursing home?
Replies: 33
Views: 3929

Re: "Patient paid amount" for month of death in nursing home?

Heck, at this point, I’d call the consumer advocate for all your local TV stations and toss them this nice juicy bone. Nothing like getting a bright, unflattering public light blasted on one's business dealings. Or if you’re feeling generous, give a heads-up first to the SNF that you’re about to do ...
by bayview
Thu May 17, 2018 6:09 pm
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 10588

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

Yep. Cheer up, eventually you can hit $24k/year! Frankly, we’ve never had the income to save significantly more. This is one of those threads where a popcorn-eating emoji would be useful. This will be the first year I can actually contribute the pre-tax max ($18.5k). I'm doing an additional 2% into...
by bayview
Wed May 16, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 30
Views: 3363

Re: Unique Phone Apps that you find yourself using most often?

KCSM radio and Bose SoundTouch. KCSM is one of the few remaining non-commercial jazz radio stations. Our SoundTouch is a Bose speaker that plays KCSM’s stream. We often stream on long car trips, as we pretty much hate commercial radio these days. Other stations on my phone: WWOZ, WNCW and WDVX. (I h...
by bayview
Tue May 15, 2018 6:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 205
Views: 27443

Re: Roll Call for the Retirement Class of 2018!

Rolling out the updated roster for the Great Retirement Class of 2018. "At the corner of retired and happy" are 12 lucky graduates :beer ... Upcoming graduates - :!: ... __ ___ MnD __ ___ TinyTim (70) __ ___ bayview __ ___ Sparky1500 On Retirement Permahold 8-) TheTimeLord (class of 2014/2015/2016/...
by bayview
Tue May 15, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: Volatility tolerance build up
Replies: 11
Views: 929

Re: Volatility tolerance build up

Frequent (weekly +) review of my total net worth - where it is in the moment, where it was, and where it might be - indeed has a numbing effect. I see where it has dipped in the past and remember my feelings then and have watched it recover and likewise. remember my feelings in those times. Some ye...
by bayview
Mon May 14, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 10588

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

We do not go beyond 18.5K in our 401K(s). 1. Employer doesn't allow it. 2. Employer doesn't have in-service roll over. 3. OPM/TSP will tell you that they just follow the IRS rules for 401K, but clearly they do not follow the entirety of the rules. Yep. Cheer up, eventually you can hit $24k/year! Fr...
by bayview
Sun May 13, 2018 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11437

Re: Avoiding the Hassle Factor

I've read a number of BHs use Vanguard ETFs at Fidelity...of course that comes with the $4.95 per trade fee paid to Fidelity. I know that Fidelity has 2 years of up to 500 trades if a certain dollar amount is moved over....has anyone ever asked Fidelity if that 500 trades could be spread out over 1...
by bayview
Sun May 13, 2018 4:20 am
Forum: Personal Finance (Not Investing)
Topic: Cancer - tips?
Replies: 37
Views: 6905

Re: Cancer - tips?

Kristen, what an amazing and thoughtful reply.

I love this forum.

camillus, best wishes for a full recovery!
by bayview
Sun May 13, 2018 2:20 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 17387

Re: What Percentage CASH are you?

Why do you do this? munemaker....You ask a fair question; I shall answer... I don't know if this is the source of munemaker's amazement, but it is the source of mine: a home safe (with or without handguns) containing paper cash is horribly vulnerable to fire/ heat/ water damage from attempts to put...