Search found 895 matches

by bondsr4me
Sun Sep 16, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 65
Views: 3856

Re: WSJ print edition renwal time - any discounts?

WSJ has been free for many years just change the date at the end online.wsj.com/public/resources/documents/print/WSJ_-A001-20171104.pdf that's why I do now...no need to buy it...unless you want all the digital info too. OP wants the print edition, as his post makes clear. Does “just change the date...
by bondsr4me
Sun Sep 16, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Is your iPad Pro enough on the road?
Replies: 11
Views: 1169

Re: Is your iPad Pro enough on the road?

Mostly yes. If I know I will be doing a lot of heads down work in something like Excel or Word, I will cart the laptop along but try my best to avoid it. I do have Office 365 installed on the iPad so lightweight use of these can occur on the iPad. is the Excel iPad version any good? I use Office365...
by bondsr4me
Sun Sep 16, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Is your iPad Pro enough on the road?
Replies: 11
Views: 1169

Re: Is your iPad Pro enough on the road?

Mostly yes. If I know I will be doing a lot of heads down work in something like Excel or Word, I will cart the laptop along but try my best to avoid it. I do have Office 365 installed on the iPad so lightweight use of these can occur on the iPad. is the Excel iPad version any good? I use Office365...
by bondsr4me
Sun Sep 16, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 65
Views: 3856

Re: WSJ print edition renwal time - any discounts?

misterno wrote:
Thu Sep 13, 2018 9:41 am
WSJ has been free for many years

just change the date at the end

online.wsj.com/public/resources/documents/print/WSJ_-A001-20171104.pdf
that's why I do now...no need to buy it...unless you want all the digital info too.
by bondsr4me
Fri Sep 14, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: What can you homegrown financial management spreadsheet do?
Replies: 21
Views: 1228

Re: What can you homegrown financial management spreadsheet do?

I do a few, but nothing too exciting. I use Excel and Numbers just to keep up with technology. I even keep a spreadsheet of my blood pressure for my doctor; I use Numbers for this. I like doing the spreadsheets but nothing too complicated anymore. When I was working for a company, I did a LIFO inven...
by bondsr4me
Fri Sep 14, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard TV ad...a first for me
Replies: 2
Views: 481

Vanguard TV ad...a first for me

Just a few minutes ago on CNBC, I saw a TV ad for Vanguard. This is certainly a first for me. Has anyone seen a Vanguard TV ad before? VG usually markets on the internet. Seems kinda unusual for a company that is pulling in assets in the dollar range of Vanguard. As I said, this is a first time for ...
by bondsr4me
Sat Sep 08, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: Does market timing have to be perfect to be effective?
Replies: 35
Views: 2469

Re: Does market timing have to be perfect to be effective?

Among the problems with market timing, is it has a negative expectation from the get-go because of spreads, broker commissions, and taxes. On top of that, if we're talking about timing between stocks and cash/bonds, the trend and/or intrinsic performance advantage is with stocks and against cash. T...
by bondsr4me
Thu Aug 30, 2018 7:09 am
Forum: Investing - Theory, News & General
Topic: Expense ratios and fees - Fidelity and flip flopping advice
Replies: 61
Views: 4250

Re: Expense ratios and fees - Fidelity and flip flopping advice

I don't want this to sound too critical, but by it's nature this board is populated with lots of folks who are dedicated to Vanguard. It's for good reason. However, I think it is easy for people who are dedicated to a particular "team" to play up what is best about their team, but when that statist...
by bondsr4me
Sun Aug 26, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Considering iPad to replace failing Nexus tablet
Replies: 60
Views: 4650

Re: Considering iPad to replace failing Nexus tablet

I have an iPad Pro (with pencil) and a Surface Pro 4 (with pencil). They are both very good pieces of equipment. They each have their good and not-so-good things. The iPad pro battery is very good and long lasting; better than the SP4. The iPad Pro is limited to apps whereas the SP4 runs just about ...
by bondsr4me
Wed Aug 22, 2018 6:00 am
Forum: Investing - Help with Personal Investments
Topic: Moving money from one broker to the next
Replies: 14
Views: 1156

Re: Moving money from one broker to the next

Whether you move to Vanguard from Schwab is up to you. I just this month moved my entire IRA and my wife’s entire IRA from Schwab to Vanguard. I did a Full ACAT at Vanguard; they took care of the rest; no paperwork; 100% online. Yes, initially Schwab charged each of us a $50 transfer out fee. I prom...
by bondsr4me
Tue Aug 21, 2018 7:22 am
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 69
Views: 4631

Re: You Invest from JP Morgan

I certainly will give this some serious consideration.

I am a fan of Jamie Dimon.

Gonna check this offer out.
by bondsr4me
Mon Aug 20, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3290
Views: 995182

Re: What Book Are You Currently Reading? Part VI

The 4 Pillars of Investing.
by bondsr4me
Thu Aug 16, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: OK, maybe Vanguard's website IS a little old... "56K dial-up..."
Replies: 19
Views: 2345

Re: OK, maybe Vanguard's website IS a little old... "56K dial-up..."

For years, I had been using CenturyLink DSL, then it got intolerably slow. Last year I signed up with ATT cellphone service (the tower is about 2 miles from my house with a relatively clear view). I now use ATT for cellphones and my home phone service. My internet is now a lot faster than what is wa...
by bondsr4me
Sun Aug 12, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 5179

Re: How often do you check your brokerage accounts

Every day....no intentions of changing that either.

I feel it’s part of my responsibility.
by bondsr4me
Sat Aug 11, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Jamie Dimon: Higher rates are coming
Replies: 42
Views: 6742

Re: Jamie Dimon: Higher rates are coming

Engineer250 wrote:
Wed Aug 08, 2018 9:17 am
bondsr4me wrote:
Mon Aug 06, 2018 4:32 pm
I hope he’s right.

That would be just fine with me.
I would like to see higher rates as well. Every time the 10-year treasury yield drops back below 3% I am disappointed. Would like to see it comfortably above 3.
+1
Agreed.
by bondsr4me
Sat Aug 11, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 9632

Re: New layout of vanguard.com

I’m not sure what page you are looking at.
The home page called ‘Welcome’ has a very prominent box showing ETF’s & mutual funds that you can choose.
I tapped each of these choices to see the lists and the ER’s are shown.
by bondsr4me
Tue Aug 07, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: holding bonds-why or why not?
Replies: 19
Views: 2280

Re: holding bonds-why or why not?

Holding bonds makes perfectly good sense for some people, but not everyone. Warren Buffett (whom I admire tremendously) is a perfect example of someone who does not particularly like to hold bonds. Bonds, for me, are the ballast that keeps my good ship upright. For me, bonds are meant to provide a m...
by bondsr4me
Tue Aug 07, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Relaxing - quieting the mind
Replies: 47
Views: 3130

Re: Relaxing - quieting the mind

I find yoga to be very relaxing yet good physical therapy.

It certainly has helped me.
by bondsr4me
Mon Aug 06, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Jamie Dimon: Higher rates are coming
Replies: 42
Views: 6742

Re: Jamie Dimon: Higher rates are coming

I hope he’s right.

That would be just fine with me.
by bondsr4me
Mon Aug 06, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Any Experience? - Vanguard Customer Service When Transferring Accounts from Large Brokerage Firm
Replies: 19
Views: 1099

Re: Any Experience? - Vanguard Customer Service When Transferring Accounts from Large Brokerage Firm

As part of my goal to simplify, earlier today I started a full ACAT from Schwab to Vanguard of my IRA and my wife’s IRA. Both ACAT’s were done online at VG. The estimated time for completion is 5 to 7 days. I’ll advise when completed. I still have a taxable brokerage account at Schwab. I’ll do that ...
by bondsr4me
Fri Aug 03, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25044

Re: most compelling TV character ever

Matt Dillon. OK, I'm showing my age. Ralph +1 we still watch Gunsmoke every evening. we record all the programs throughout the day. I will still watch The Lone Ranger when my wife ain't around. Of course, who could ever forget Popeye, Mighty Mouse, Superman, Porky Pig, Mickey Mouse...and on and on....
by bondsr4me
Thu Aug 02, 2018 5:22 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett on buying & holding index funds
Replies: 11
Views: 2770

Re: Warren Buffett on buying & holding index funds

Thanks for sharing.

I never get tired of listening to Warren speak.

His words of wisdom and common sense are ones for the ages.

Have a great day,

Don
by bondsr4me
Mon Jul 30, 2018 5:49 am
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 114
Views: 28125

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

Mel: I realize this is waaaaaay late to try, but can you please put me on your “wait” list just in case an opening comes up. I realize I have a better chance of seeing “the cow jump over the moon” than getting to the BH Conference. But, ya never know. If I don’t ask, then no chance at all. Thanks Me...
by bondsr4me
Sat Jul 28, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9675

Re: Tips for staying active / injury-free into older age

TerryDMillerMBA wrote:
Sat Jul 28, 2018 1:19 pm
50 years old


Also, remove toxic people from your life.[/b]

+1

Yes....very important!
by bondsr4me
Sat Jul 28, 2018 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Roth from TDA to Vanguard,thoughts?
Replies: 3
Views: 378

Re: Moving Roth from TDA to Vanguard,thoughts?

TDA’s platform is very good, especially the TOS trading platform. But if you are a buy and hold investor, VG is very good and easy to use IMHO. If you intend on buying VG funds, ETF’s, and want admiral shares, VG is the way to go IMHO. VG is not snazzy with all the blinking lights of TDA’s real-time...
by bondsr4me
Sat Jul 28, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9675

Re: Tips for staying active / injury-free into older age

I am 68 and stay active and "try" to eat reasonably healthy. My workout routine: M-W-F..... 1 hour of yoga followed by 1/2 of swimming. I highly recommend the yoga. It is good for the body and mind. You sound like you have had a very positive experience with Yoga. Any advice or recommended path for...
by bondsr4me
Fri Jul 27, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9675

Re: Tips for staying active / injury-free into older age

From this retiree, keep doing what you're doing. Walking, running, jogging playing sports. Keep moving, just because you're aging doesn't mean you can't be active and do the things you've always done. I play tennis with people of all ages, sure I'm a bit slower but still compete and have fun. Injur...
by bondsr4me
Fri Jul 27, 2018 7:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard vs Fidelity representatives
Replies: 15
Views: 2023

Re: Vanguard vs Fidelity representatives

I am a Fidelity customer. I will say that whenever I have called Fidelity, I have received stellar customer service. In terms of plain vanilla index funds, I really don't think there is much of a difference now between VG, Fidelity or Blackrock. The ERs are more or less the same, the turnover rates...
by bondsr4me
Fri Jul 27, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9675

Re: Tips for staying active / injury-free into older age

I am 68 and stay active and "try" to eat reasonably healthy. My workout routine: M-W-F..... 1 hour of yoga followed by 1/2 of swimming. Tu.... noontime racquetball and golf late afternoon (spring thru fall). Th..Sat..Sun......140 pushups: 2 sets of 30, 2 sets of 40; I may do 2 sets of 25 and 3 sets ...
by bondsr4me
Thu Jul 26, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Bonds: VG Treasury Funds vs ETFs vs Ladders
Replies: 21
Views: 2150

Re: Bonds: VG Treasury Funds vs ETFs vs Ladders

OP Which you choose depends on how much work you are willing to do. Some prefer to let the "pros" do the work for them and there is nothing wrong with this approach. There is an ongoing cost to this; the ER of each. Others prefer to manage their investments themselves. Again, there is nothing wrong ...
by bondsr4me
Thu Jul 26, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Anyone's Vanguard acting up? (What happened to BND??)
Replies: 5
Views: 863

Re: Anyone's Vanguard acting up? (What happened to BND??)

The online screens are often incorrect overnight. I don't pay any attention to them until the next day, if then. I agree about the online screens not being correct overnight. I just did 2 wire transfers to Vanguard; 1 from Schwab (7/24) and 1 Fidelity (7/23). The Fido wire, which was done on Mon 7/...
by bondsr4me
Wed Jul 25, 2018 6:49 am
Forum: Investing - Theory, News & General
Topic: Is individual Bonds better than Bond Fund?
Replies: 58
Views: 5135

Re: Is individual Bonds better than Bond Fund?

This article was recently in the Summer 2018 edition of OnlineInvesting that is publish by Charles Schwab. I just wanted to share it with others who may still have questions about the subject line. It is a pretty simple, easy-to-understand article. I am not taking a position one way or the other bec...
by bondsr4me
Tue Jul 24, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website Problems
Replies: 1
Views: 307

Re: Vanguard Website Problems

no problems here...I logged in earlier today....no issues.
by bondsr4me
Fri Jul 20, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Bond Ladder Managed Account
Replies: 31
Views: 1729

Re: Bond Ladder Managed Account

Just few things to say. Bond funds, just like bond ladders, are both a collection of individual bonds (as someone stated previously). They each have advantages and disadvantages. A bond "fund" manager chooses which bonds to buy and sell; you have no say in this. You, being the bond "ladder" manager,...
by bondsr4me
Fri Jul 20, 2018 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Option Puts on SPY [SPDR S&P 500 ETF]
Replies: 8
Views: 644

Re: Option Puts on SPY [SPDR S&P 500 ETF]

I have to say upfront that options are not for everyone. I do not buy options...I only sell them. Covered calls are a way to make some extra change on your portfolio. But, you should only sell calls on stocks/etfs that you are willing to give up and a price you are happy with. I will sell naked puts...
by bondsr4me
Thu Jul 19, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Fractional Shares after a Transfer
Replies: 9
Views: 700

Re: Selling Fractional Shares after a Transfer

I've had fractional shares get stuck at Schwab before. Usually a call to Schwab customer service will get them liquidated into cash for you, at no commission. If they try to charge commission, then make a claim under the Schwab 100% client satisfaction guarantee they offer. I wonder if that will wo...
by bondsr4me
Wed Jul 18, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: Flatting Yield Curve - buckle up for the storm?
Replies: 27
Views: 2616

Re: Flatting Yield Curve - buckle up for the storm?

If I were you, I would be following my company’s and it’s industry’s finances really closely. If you are really low on the totem pole, I would be building up the emergency fund in case a layoff or termination comes. No one can predict when the next recession will happen, but be assured it is coming ...
by bondsr4me
Wed Jul 18, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 7568

Re: How do you handle the urge to DO something?

Jack FFR1846 wrote:
Wed Jul 18, 2018 8:50 am
Resist the urge? What urge? It ain't my birthday, so it's not time to rebalance. What is this thing that you're afraid of doing? Maybe you need a hobby.
That's a great idea....rebalancing on your birthday!

Mine's coming up so maybe I'll just start that as a habit!
by bondsr4me
Wed Jul 18, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Excel Spread sheets -mac or. Windows?
Replies: 21
Views: 1120

Re: Excel Spread sheets -mac or. Windows?

Dottie57 wrote:
Tue Jul 17, 2018 7:19 pm
bondsr4me wrote:
Tue Jul 17, 2018 6:28 pm
I used the Mac version of Office 365.

Works just fine for me.

I also use Apples Number too.

Just as good for what I do.

I keep my MAC completely Apple.

Used to use Parallels/Windows on my old MBP....it was OK.
Thank you!
You're welcome Dottie57!

Have a great day!

Don
by bondsr4me
Wed Jul 18, 2018 8:12 am
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 7568

Re: How do you handle the urge to DO something?

The "urge" can be kinda tuff at times to handle. I try and say to myself "what would Warren Buffett do"...this helps me a lot. I think one way of helping to handle this "urge" is to stay away from the trading screens like Fidelity's Active Trader Pro and Schwab's StreetSmartEdge. These are very temp...
by bondsr4me
Tue Jul 17, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Excel Spread sheets -mac or. Windows?
Replies: 21
Views: 1120

Re: Excel Spread sheets -mac or. Windows?

I used the Mac version of Office 365.

Works just fine for me.

I also use Apples Number too.

Just as good for what I do.

I keep my MAC completely Apple.

Used to use Parallels/Windows on my old MBP....it was OK.
by bondsr4me
Tue Jul 17, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Valsartan - 3 Companies Recall Blood Pressure Medications Over Cancer Fears
Replies: 3
Views: 1855

Re: Valsartan - 3 Companies Recall Blood Pressure Medications Over Cancer Fears

Mine is manufactured by Aurobindo Pharma USA Inc.

I don’t see any recall for this particular product, but I am gonna call CVS tonorrow just to be safe.

Thanks for the heads Up!

Don
by bondsr4me
Tue Jul 17, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 12799

Re: New Vanguard Security Code Requirement

not an IT guy here, so can't speak to the "technical" aspects of it. I have been using VG's 2FA for quite a while now and I really like it. I don't use use Mint or aggregators, so I could care less about that. I also have a Fidelity account and I am hoping they will soon implement 2FA like VG's. It'...
by bondsr4me
Mon Jul 16, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Best options for cash in Schwab brokerage accounts?
Replies: 47
Views: 10074

Re: Best options for cash in Schwab brokerage accounts?

I just got the letter about my cash being moved to the sweep fund and my thought is why do they get to override the decision I had already made about this. It can't be for my good. This is just an example of Schwab looking for a little way to profit off the people who won't read the notice and will...
by bondsr4me
Mon Jul 16, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 82
Views: 4533

Re: Have you ever purchased a pricy musical instrument?

It's been a while, but it seems to me I paid somewhere between $1,500 - $2,000 for a Sho-Bud pedal steel.

That was probably 10+ years ago.
by bondsr4me
Mon Jul 16, 2018 5:59 am
Forum: Investing - Help with Personal Investments
Topic: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?
Replies: 45
Views: 2517

Re: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?

Whether 2 or 3 funds depends on your risk profile. How much risk are you willing to assume when the stuff hits the fan? Did you hold and not change these investments during the turbulence of Oct 2007 - Mar 2009. We “could” be on the cusp of the end of the bull market. There again, maybe not; who rea...
by bondsr4me
Sun Jul 15, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Reading glasses for driving
Replies: 11
Views: 937

Re: Reading glasses for driving

euroswiss wrote:
Sun Jul 15, 2018 8:14 am
Please don’t drive and try to read your phone or GPS (this is what the voice directions are for on your GPS). It is EXTREMELY dangerous! Instead, pull over to manipulate your devices - if you do that, you can easily manage a pair of normal reading glasses.
+1

Very sensible advice.
by bondsr4me
Sat Jul 14, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: How to buy T-Bills
Replies: 33
Views: 2976

Re: How to buy T-Bills

i have never bought T bills.. but i was thought of buying from vanguard.. they have a link under investing CD .. there is an option to buy t bills. I buy CD's from there.. has anyone had any issues? While I usually buy my bills at Treasury Direct or Fidelity, I have bought bills at Vanguard. No iss...
by bondsr4me
Sat Jul 14, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: 1-year Treasury Bill auction
Replies: 51
Views: 4780

Re: 1-year Treasury Bill auction

I recently bought some secondary Treasuries maturing 8/15/18 with YTM of 1.823% and 1.833%. With rates on the rise, I am keeping things highly liquid for now. I don’t want to go out too far right now, but that’s just me. I used VG for these purchases and am quite happy with the VG platform. Have a g...
by bondsr4me
Fri Jul 13, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: Does tilting towards shorter-term bonds make sense?
Replies: 15
Views: 1860

Re: Does tilting towards shorter-term bonds make sense?

The host of an investing podcast I frequently listen to mentioned he is steering clear of medium-to-long duration bonds, given the likelihood of a continued rising interest rate environment. He also mentioned that given the flattening yield curve, you don't sacrifice much upside but mitigate a lot ...