Search found 2306 matches

by Munir
Sun Oct 15, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Barclays increases interest rate
Replies: 14
Views: 2590

Re: Barclays increases interest rate

patrick wrote:
Sat Oct 14, 2017 3:31 pm
Still below the 1.5% at All America Bank.
You get a 1.5% APY only for balances below $35,000- otherwise it's 0.5%!

Statement below from the All America Bank web site:

"Earns interest of 1.50% APY* calculated on your daily balance of up to $35,000. Amounts over $35,000 earn .50% APY*"
by Munir
Thu Oct 12, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Barclays increases interest rate
Replies: 14
Views: 2590

Re: Barclays increases interest rate

Barclay's APY is now 1.3%.
by Munir
Sun Oct 08, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11248

Re: [Prevent mail theft; sign for USPS Informed Delivery]

I tried it for a few weeks and shut it down. It was inaccurate and caused me headaches worrying about lost mail which eventually showed up 2-3 days later. For me, time is too precious to spend it on such activities which are more of a gimmick than being helpful.
by Munir
Tue Oct 03, 2017 1:06 am
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4081

Re: So... What bond fund or bond-like instrument do you use?

All are in my IRA (I'm an 80 year old retiree) except the I-Bonds & Cash,: VFIDX- Vanguard Intermediate Investment Grade- 22% VBILX_ Vanguard Intermediate Bond Index- 18% VCOBX- Vanguard Core Bond Fund- 12% VFSUX- Vanguard Short Term Investment Grade- 3% I-Bonds - 5% --------------------------------...
by Munir
Wed Sep 27, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46950

Re: Equifax customer information leak

A freeze is a minor effort, a freeze is the real deal. Read what the differences are at one of the sites. zaplunken: A typo? Which is the "minor" effort? If you go to the credit bureau websites and read the differences you'll see a freeze locks your credit report so no one can gain access to it and...
by Munir
Wed Sep 27, 2017 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46950

Re: Equifax customer information leak

zaplunken wrote:
Tue Sep 26, 2017 7:46 pm
A freeze is a minor effort, a freeze is the real deal. Read what the differences are at one of the sites.
zaplunken: A typo? Which is the "minor" effort?
by Munir
Mon Sep 25, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8338

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

Does going to a doc in a highly ranked medical system help? I go to Duke for my docs and I would think that they would weed out any docs that are substandard. Would that be an accurate assumption? No. Would not premier hospitals weed out fake doctors with false credentials from diploma mills? Victo...
by Munir
Mon Sep 25, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8338

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

soccerdad12 wrote:
Mon Sep 25, 2017 8:12 am
Does going to a doc in a highly ranked medical system help? I go to Duke for my docs and I would think that they would weed out any docs that are substandard. Would that be an accurate assumption?
No.
by Munir
Sun Sep 24, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8338

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

I am a retired surgical specialist. 1. If possible, find out who physicians themselves go to in that specialty- find a "doctor's doctor". 2. Obtain a recommendation from a local physician(s) such as your PCP. 3. Check credentials of the physicians and see if they are board-certified and whether they...
by Munir
Sun Sep 24, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 49
Views: 3224

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

Have always driven AWD the last few decades and never needed snow tires or chains. Provide more mental security as one gets older.
by Munir
Sun Sep 24, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 67
Views: 2972

Re: Do you subscribe to digital newspapers?

I read the digital versions of the NY Times, Washington Post, and (gulp) for news only, the WSJ. I get the print edition of the local paper to read local news and catch up with the obituary notices (important at my age :happy ).
by Munir
Mon Sep 18, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2616
Views: 832982

Re: What Book Are You Currently Reading? Part VI

On Tyranny (2017) by Timothy Snyder. Short book, very informative, and easy reading.
by Munir
Sun Sep 17, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy
Replies: 51
Views: 4117

Re: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy

Whether Jack Bogle chooses to travel in Business/First Class or not has nothing to do with his investing acumen and advice to investors. Let us quit passing judgment on personal preferences of others or soon we will be judging them on what kind of toothbrush they use. It also gives permission to a f...
by Munir
Sat Sep 16, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Credit Monitoring - 1 or 3 Bureau?
Replies: 10
Views: 687

Re: Credit Monitoring - 1 or 3 Bureau?

what is the best 3 bureau monitoring. I know a freeze is free. Just asking who uses a monitoring service, and do you like it. A freeze may be free in some states but many allow a charge up to $15 per freeze per company. Check your state law or our own BH Wiki. Experian and Transunion charged me and...
by Munir
Fri Sep 15, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46950

Re: Equifax customer information leak

If my wife has the same last name and shares my address etc, does she need a separate freeze process or does my individual freeze automatically include her? No, she needs to do her own freeze. Spouse was successful in doing her own freeze with all five companies except for Equifax because we have t...
by Munir
Fri Sep 15, 2017 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund Will Perform Best With Rising Rates?
Replies: 27
Views: 3178

Re: Which Bond Fund Will Perform Best With Rising Rates?

The issue is that there is not just one interest rate. Your four example funds have about the same duration, so they will all lose 6% if all bond rates rise by 1%. But if corporate bond rates rise more (because of increased default risk), then Total Bond Market Index, which is mostly government bon...
by Munir
Thu Sep 14, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46950

Re: Equifax customer information leak

If my wife has the same last name and shares my address etc, does she need a separate freeze process or does my individual freeze automatically include her?
by Munir
Wed Sep 13, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund Will Perform Best With Rising Rates?
Replies: 27
Views: 3178

Which Bond Fund Will Perform Best With Rising Rates?

Can an intelligent guess be made which of these four Vanguard intermediate bond funds will perform best in a rising interest rate environment : Total Bond Market Index (VBTLX), Intermediate Investment Grade (VFIDX), Intermediate Bond Index (VBILX), and the Core Bond Fund (VCOBX)? I know that nothing...
by Munir
Fri Sep 01, 2017 4:44 pm
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4225

Re: Do you know your bond portfolio's REAL 12 month total return?

As of 8/31, the one-year total return for some commonly-used funds here: IT Tax Exempt: .96% IT Govt' Bond: -.19% Total Bond: .33% IT Bond Index: .51% VG TIPS Fund: .49% Interestingly, the damage was done in the later part of 2016, not this year in the so-called "rising rate environment". Same fund...
by Munir
Fri Sep 01, 2017 3:14 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is Always Risky
Replies: 42
Views: 3403

Re: The Stock Market Is Always Risky

Toons wrote:
Fri Sep 01, 2017 11:23 am
Keep Investing :happy
When should we start spending? :happy
by Munir
Wed Aug 30, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Risk
Replies: 4
Views: 505

Re: Bond Fund Risk

Can you please supply the full title of PONDX? You might get more responses that way.
by Munir
Tue Aug 29, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4116

Re: Transitioning management of investments as cognitive ability declines

I've been around and read up enough to know that most annuities primarily benefit the person that sells them. [/b] The quote above does not really apply to SPIAs but maybe to other forms of annuities. When was the last time a person showed up at work or your house to sell you a SPIA? Never.
by Munir
Tue Aug 29, 2017 12:22 am
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4116

Re: Transitioning management of investments as cognitive ability declines

[b wrote:I've been around and read up enough to know that most annuities primarily benefit the person that sells them.
[/b]
The quote above does not really apply to SPIAs but maybe to other forms of annuities.
by Munir
Mon Aug 28, 2017 4:12 pm
Forum: Investing - Theory, News & General
Topic: Review with Me - Larry Swedroe's new book
Replies: 160
Views: 6873

Re: Review with Me - Larry Swedroe's new book

This thread makes me wonder about the possibility of having a "Basic" Boglehead Forum and an "Advanced" Forum. As a novice in investing, I do appreciate and benefit from this forum but get lost in many of the high-level discussions which honestly don't interest me. One will say that I can just ignor...
by Munir
Mon Aug 28, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4116

Re: Transitioning management of investments as cognitive ability declines

SPIAs provide a continuous fixed income amount monthly like a pension or social security except that they are funded by the individual receiving the money and not by the government or a commercial company. They do not pay bills nor supervise money being spent or bank balances. Inflation-indexed SPIA...
by Munir
Sun Aug 27, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Self insure vs Medigap when on "traditional" Medicare
Replies: 73
Views: 4780

Re: Self insure vs Medigap when on "traditional" Medicare

For older individuals, unless VERY wealthy, the costs of medical care over and above what traditional Medicare covers could be extremely high. I am referring to hospitalization costs- even for minor surgeries or ailments. As an older retired physician who has experienced these costs first hand, I st...
by Munir
Tue Aug 22, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total Corporate Bond ETF
Replies: 41
Views: 6300

Re: "more than 371 funds?"

Bogleheads: According to the Announcement: The firm, headquartered in Valley Forge, Pennsylvania, offers more than 371 funds . Can anyone explain why Vanguard offers so many funds? Best wishes Taylor When the Vanguard Group is approaching $5,000,000,000,000 in assets under management it has to adop...
by Munir
Mon Aug 21, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13580

Re: I own no international stocks. Can you guess why?

The eclipse is over and so is Taylor's puzzle. :( :( What can we look for now to keep life interesting? Oh! I forgot Washington D.C. :happy
by Munir
Sun Aug 20, 2017 8:53 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13580

Re: I own no international stocks. Can you guess why?

Taylor, it's because you are a wiser older man :D .
by Munir
Sun Aug 20, 2017 6:30 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13580

Re: I own no international stocks. Can you guess why?

Gaining wisdom with advancing age.
by Munir
Sun Aug 20, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13580

Re: I own no international stocks. Can you guess why?

Because Taylor is old That's my guess right there. He may dress it up in other outfits but the core of it is likely this. I object. How old does one have to be to be considered "old"? What is "old" anyway? Answer: it is as old as one feels "old". Taylor is NOT old. Not that is matters, but I would ...
by Munir
Sun Aug 20, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13580

Re: I own no international stocks. Can you guess why?

Hyperborea wrote:
Sun Aug 20, 2017 2:33 pm
chevca wrote:
Sun Aug 20, 2017 1:01 pm
Because Taylor is old
That's my guess right there. He may dress it up in other outfits but the core of it is likely this.
I object. How old does one have to be to be considered "old"?

What is "old" anyway? Answer: it is as old as one feels "old". Taylor is NOT old.
by Munir
Tue Aug 15, 2017 9:27 am
Forum: Investing - Theory, News & General
Topic: When stocks drop, which bond funds usually do best and worst?
Replies: 25
Views: 2745

Re: When stocks drop, which bond funds usually do best and worst?

Why would one care about the short-term behavior of a bond fund during an acute drop in the equity market if one can stay the course and not engage in panic selling of either one? I care more for the longer term behavior of a bond fund (i.e. at least 2-3 years for me) than what happens over a few mo...
by Munir
Sun Aug 13, 2017 1:21 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 192
Views: 159748

Re: Please Try Out Test Posts Here

bertilak wrote:
Sun Aug 13, 2017 1:11 pm
bertilak wrote:
Sun Aug 13, 2017 12:31 pm
bertilak wrote:
Sun Aug 13, 2017 12:31 pm
I will do a quoted reply to my own post (this one) to check notifications.
And here is the reply.
That didn't work. Not getting notified. Trying gain.
Bertilak: Is my reply working?
by Munir
Sun Aug 13, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - Got a Question for Jack?
Replies: 53
Views: 12965

Re: Q&A WITH JACK BOGLE - Got a Question for Jack?

Is the relatively new Vanguard Core Bond Fund (VCOBX) suitable in an IRA for a retiree in a distribution phase?

Can you please name suggested Vanguard intermediate bond funds for such a retiree?

*
by Munir
Wed Aug 09, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2516

Re: Harry Bosch:the Amazon Series vs the novels

I have followed Harry Bosch from his earliest appearance in print and have greatly enjoyed Michael Connelly's books. I watched the first episode of the TV series and never came back for more. It seemed like any "tough" cop series on TV and didn't have the subtleties and nuances that Connelly include...
by Munir
Wed Aug 09, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Should I hold bond fund for period equal to duration?
Replies: 16
Views: 1026

Re: Should I hold bond fund for period equal to duration?

As I understand it, duration is helpful in an absolute sense only as long rates don't keep rising during the period in question- which is not frequent. It is more helpful in comparing bond funds with different durations because when rates are rising the longer duration funds usually suffer greater t...
by Munir
Sun Aug 06, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 49
Views: 3995

Re: Bose Noise Cancelling Headphones

3M Peltor X2A over-the-head earmuffs. Very effective at silencing all outside noise. Amazon- about $15.
by Munir
Fri Aug 04, 2017 8:39 pm
Forum: Investing - Theory, News & General
Topic: Time Horizon Impact on Bond Selection
Replies: 10
Views: 974

Re: Time Horizon Impact on Bond Selection

For retirees with sometimes 70% of assets in fixed income, bond funds are a needed source of income in addition to being a ballast and providing poor correlation (not always) with equities. I hope not everyone buys the mantra of bonds are for stability exclusively for all investors. I get tired of h...
by Munir
Mon Jul 31, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 33783

Re: John Bogle Has Been Right About Investing In International Stocks

I blindly and totally agree with chevca :happy :D . Am I in trouble now?
by Munir
Sun Jul 30, 2017 10:06 am
Forum: Investing - Theory, News & General
Topic: Why is BND best?
Replies: 29
Views: 4033

Re: Why is BND best?

Incendiary: Vanguard has other good intermediate term bond funds than Total Bond Market Fund. I like to diversify among them to improve performance while having tolerable risk (no junk bond funds). I have 70% of my portfolio in fixed income and do not want it all in the Total Bond Market fund becaus...
by Munir
Sat Jul 29, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 33783

Re: John Bogle Has Been Right About Investing In International Stocks

watchnerd wrote:
Munir wrote: But we are not Japan. The topic of whether what applies to Japan may or may not apply to us deserves another thread- in my humble opinion.
We don't need to be "be Japan" for the object lesson to apply.
One can agree or disagree with what you say- and that needs another thread :happy !
by Munir
Sat Jul 29, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 33783

Re: John Bogle Has Been Right About Investing In International Stocks

This thread has changed to a discussion of Japan. How about starting another thread on that subject? Maybe it's time to close this thread anyway because of the repetition of the same arguments over and over. Incorrect; the thread has not changed topics. Taylor's argument is that a large economy wit...
by Munir
Sat Jul 29, 2017 12:46 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 33783

Re: John Bogle Has Been Right About Investing In International Stocks

This thread has changed to a discussion of Japan. How about starting another thread on that subject? Maybe it's time to close this thread anyway because of the repetition of the same arguments over and over.
by Munir
Thu Jul 27, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 33783

Re: How much international stock? A suggestion.

Bogle's strategy apparently to invest between 20% and 0% in non-US stocks. I have not looked at all his pronouncements on the matter and I know he says different things at different times, so I am not sure that 0-20 actually reflects the range of all his recommendations. But what is your strategy? ...
by Munir
Mon Jul 24, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 33783

Re: John Bogle Has Been Right About Investing In International Stocks

Numbers don't lie, and they trump speculation, theories, and philosophical discussions. Why is that so hard to accept? I detect an element of defensiveness among many who hold significant percentages of international holdings. Attacking Bogle or Taylor is blaming the messenger. Past performance IS v...
by Munir
Sat Jul 15, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: The legacy and luck of Vanguard's Jack Bogle - Marketwatch
Replies: 4
Views: 949

Re: The legacy and luck of Vanguard's Jack Bogle - Marketwatch

selters wrote:Good interview by Jack Merriman with Paul Bogle.
Is this tongue in cheek or cheek in tongue? :happy
by Munir
Wed Jul 12, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 84
Views: 12703

Re: Ally Bank - Savings Account Rate Increased!

Bogleheads rejoice--Ally savings is up to 1.15%--15% increase in return in one year! Granted Yellen's testimony makes it seem that these increases will slow down, but hey, let the interest rate wars continue! If inflation is really gonna stick at 1.4% we're getting pretty close to not losing money ...
by Munir
Wed Jul 12, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: VBILX vs. VBTLX- I need some insight
Replies: 9
Views: 1135

Re: VBILX vs. VBTLX- I need some insight

It doesn't matter what you do. Whichever way you go, there is a very good chance that the other way will perform better. You can always own both of them. Or even another bond fund like VSCSX. After going back and forth between the two, the bolded is my plan. In my humble and novice opinion, this is...