Search found 923 matches

by bondsr4me
Sat Nov 17, 2018 7:28 pm
Forum: Investing - Theory, News & General
Topic: Interview with Fidelity's Abigail Johnson
Replies: 25
Views: 2857

Re: Interview with Fidelity's Abigail Johnson

Thanks for the link....enjoyed the article.

Have a great weekend BH’ers,

Don
by bondsr4me
Tue Nov 13, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: Windows 10 October Update (1809)
Replies: 32
Views: 2372

Re: Windows 10 October Update (1809)

I am currently using 2018-10 Cumulative Update for Windows 10 Version 1809,

No problems with it.

It is running on my Surface Pro 4.
I like the SP4...it's more of a "computer" than my iPadPro 10.5".
They both are good machines for what they are intended for.

Don
by bondsr4me
Sat Nov 10, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 4834

Re: Doing taxes by hand

I remember so very well doing corporate tax returns by hand back in the 70’s for a small CPA firm. It was a real pain when something would change a number that cascaded through the return to page 1. But it was a great way to learn taxes. We were lucky in that there was an IRS office on the first flo...
by bondsr4me
Sat Nov 03, 2018 12:50 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Sometimes, It’s Bonds For the Long Run
Replies: 72
Views: 5977

Re: WSJ: Sometimes, It’s Bonds For the Long Run

This article only convinced me that stocks are better for the long run, assuming you don’t capitulate. and therein lies the real problem...."assuming you don't capitulate". lately, I've seen more posts than usual about "staying the course" as stocks have been getting roughed up lately. It's seems p...
by bondsr4me
Wed Oct 31, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1657

Re: Anybody use CenturyLink for internet service?

I used to use CL.

The service was very poor; my "hi-speed" was as bad as dial-up speeds.

I now use AT&T for my cell phones and "land-line" which is now cellular.

Nothing to complain about....yet!
by bondsr4me
Tue Oct 30, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 142
Views: 14719

Re: Do you meditate?

I have been doing yoga 3 times a week for about 1 1/2 years.

It has really helped me with back issues.

I haven’t done the meditation yet, but may try in the future.

It has helped me to “calm down” a bit too.

Don
by bondsr4me
Fri Oct 26, 2018 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Nervous about staying the course
Replies: 33
Views: 4125

Re: Nervous about staying the course

If things continue as they are, I think we are going to see who really can "stay the course" when the sea gets really rough. If you find yourself getting really really nervous, checking your portfolio all throughout the day, and the market turmoil keeps you up at night, you need to reassess your "sl...
by bondsr4me
Wed Oct 24, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 47
Views: 9269

Re: Set it and forget it

"Nobody buys a farm based on whether they think it's going to rain next year; they buy it because they think it's a good investment over 10 or 20 years." Warren Buffett "Don't just do something, stand there!" Jack Bogle You'll be a better investor when you forget about your investments, providing y...
by bondsr4me
Tue Oct 23, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12258

Re: 'Smart money' bailing on the market, time to get out?

Who is the REAL "smart money"?? It's people like the guy in this story... I like to read it every time the market goes off the deep end. I've posted this article before when we have days like this. Attached is the link....I hope it works. Don https://www.dailymail.co.uk/news/article-2939593/Man-live...
by bondsr4me
Mon Oct 22, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8661

Re: Quitting w/o notice

OP Sorry about your troubles...truly. But, do the right thing; do the honorable thing; give 2 weeks notice...it's the right thing to do. I would be sure to clear out any personal stuff before you give notice, just in case. Character counts, so do the right thing and give notice. Good Luck with your ...
by bondsr4me
Wed Oct 17, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6601

Re: Did you retire because you hit your number?

I retired last year.

I enjoyed what I did, but came to the realization that every day that goes by is one less day left.

I didn't want to be sorry for not living life.

Everyone has a different reason, but I just felt "it was time".

Don
by bondsr4me
Wed Oct 17, 2018 7:58 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11317

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

I'm with Jack on this one all the way. +1 Can't bring myself to invest in something that has had such poor performance over the long run. There's no credible doom-and-gloom scenario for the US in my lifetime, and definitely not one where the US market collapses, while foreign ones don't. +1 Agree w...
by bondsr4me
Tue Oct 16, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11317

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

I'm with Jack on this one all the way.

Don
by bondsr4me
Mon Oct 15, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard's bond screen problems
Replies: 8
Views: 732

Re: Vanguard's bond screen problems

Normally I use Safari Private browsing. Today I tried using Safari, but not in Private mode, and the cd/bond table showed up. There must be some type of conflict between this portion of VG's website and the Safari Private browser mode. I did contact VG via private message, but have not heard back ye...
by bondsr4me
Fri Oct 12, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard's bond screen problems
Replies: 8
Views: 732

Re: Vanguard's bond screen problems

must be a conflict with Safari and Vanguard. I am using Safari 12.0. I tried again this morning; still loads a page with the Vanguard top header but no bonds grid/information. I downloaded Google, which I don't particularly trust, and it works. As time goes on, I will try Safari. But for now I will ...
by bondsr4me
Thu Oct 11, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's bond screen problems
Replies: 8
Views: 732

Re: Vanguard's bond screen problems

I just tried again on my MBP and asked to see the bond/cd screen. It just gave me a blank screen. So I tried using my SP4 and the bond/cd screen loaded properly. I guess there must be an issue with the website and macOSX. I am gonna try later on to see what happens. Has it worked previously? Have y...
by bondsr4me
Thu Oct 11, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard's bond screen problems
Replies: 8
Views: 732

Re: Vanguard's bond screen problems

I just tried again on my MBP and asked to see the bond/cd screen.
It just gave me a blank screen.

So I tried using my SP4 and the bond/cd screen loaded properly.

I guess there must be an issue with the website and macOSX.

I am gonna try later on to see what happens.
by bondsr4me
Thu Oct 11, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard's bond screen problems
Replies: 8
Views: 732

Re: Vanguard's bond screen problems

Broken Man 1999 wrote:
Thu Oct 11, 2018 10:30 am
I just went thru the CD buy screen all the way to the last step, everything seemed to work fine. I bailed out as I didn't really want to buy a CD.

Broken Man 1999
Thanks BM1999

I will try again.

Don
by bondsr4me
Thu Oct 11, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard's bond screen problems
Replies: 8
Views: 732

Vanguard's bond screen problems

I just tried to get VG's bond quote screen and all it did was load a blank page.

I was trying to compare VG with Fidelity.

Anyone else have this problem with the bond/cd screen?

Thanks,

Don
by bondsr4me
Tue Oct 09, 2018 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard [Portfolio help requested]
Replies: 23
Views: 2709

Re: Fidelity or Vanguard

Both Vanguard and Fidelity are very good choices.

I have accounts at both; mostly Vanguard.

I have been happy with both companies.

Either way, VG or FIDO, you can't go wrong.

They are both solid companies.

Have a great week,

Don
by bondsr4me
Tue Oct 09, 2018 7:20 am
Forum: Investing - Theory, News & General
Topic: Best Vanguard ETF Diversifiers, Ranked
Replies: 46
Views: 4764

Re: Best Vanguard ETF Diversifiers, Ranked

I'd like to keep my portfolio as simple as possible. Would VTI + BND be a better combination than VTI + EDV? Augustus: VTI (Vanguard Extended Duration Treasury Index Fund ETF) is an excellent diversifier in many conditions. We have had a long period of interest rate declines which favor long-durati...
by bondsr4me
Wed Oct 03, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Best Vanguard ETF Diversifiers, Ranked
Replies: 46
Views: 4764

Re: Best Vanguard ETF Diversifiers, Ranked

I'd like to keep my portfolio as simple as possible. Would VTI + BND be a better combination than VTI + EDV? Augustus: VTI (Vanguard Extended Duration Treasury Index Fund ETF) is an excellent diversifier in many conditions. We have had a long period of interest rate declines which favor long-durati...
by bondsr4me
Wed Oct 03, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Best Vanguard ETF Diversifiers, Ranked
Replies: 46
Views: 4764

Re: Best Vanguard ETF Diversifiers, Ranked

are there any other websites than have a similar tool like Portfolio Visualizer? I would like to go back more years. thanks, don EDV only goes back 10 years, but I was able to pull Treasury STRIPS data for the last 30 years (PM me if you'd like the dataset). Here is a backtest for the last 30 years...
by bondsr4me
Wed Oct 03, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: Best Vanguard ETF Diversifiers, Ranked
Replies: 46
Views: 4764

Re: Best Vanguard ETF Diversifiers, Ranked

are there any other websites than have a similar tool like Portfolio Visualizer?

I would like to go back more years.

thanks,

don
by bondsr4me
Tue Oct 02, 2018 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Bonds... Why do people bother with them. ?
Replies: 71
Views: 7500

Re: Bonds... Why do people bother with them. ?

My friend, allow me to introduce you to EDV, the Lebron James of bond funds. If you had invested 80% Total Market / 20% EDV since EDV was introduced in 2008, you would have reduced your portfolio’s volatility by 1/4 AND increased your total return by 10% over these ten years as compared to 100% Tot...
by bondsr4me
Sun Sep 30, 2018 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: individual bond ladder vs bond fund
Replies: 5
Views: 520

Re: individual bond ladder vs bond fund

There are advantages/disadvantages to each method. An advantage to individual bonds is you get to pick and choose the bonds yourself. If you are laddering Treasuries you most likely won’t pay any commissions. A disadvantage to a ladder is YOU have to do all the work. Funds will have an ER you have t...
by bondsr4me
Fri Sep 28, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Warren Buffet Portfolio Critique
Replies: 56
Views: 4583

Re: Warren Buffet Portfolio Critique

Let me say here and now: No one has more respect and admiration for Warren Buffett than I. But, I do not follow his investment recommendations. What's good for me is good for ME and no one else. I would encourage everyone to make their own investment decisions based on their own risk tolerance, inve...
by bondsr4me
Sun Sep 16, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 4654

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: 1227

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: 1227

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: 68
Views: 4654

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: 1360

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: 520

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: 2570

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: 4425

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: 4842

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: 1234

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: 5189

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: 3408
Views: 1015578

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: 2400

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: 5322

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: 6821

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: 9933

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: 2333

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: 3236

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: 6821

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: 1162

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: 25683

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: 2838

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