Search found 661 matches

by bondsr4me
Mon Dec 11, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Done gone and did it [Retire]
Replies: 79
Views: 7264

Re: Done gone and did it

Congrats Earl!

Every day that ticks off the calendar is one LESS you have to live.

Make the most of the ones remaining.

Best wishes

Don
by bondsr4me
Mon Dec 11, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10589

Re: Save all this money, what do you splurge on?

We really like keeping up with technology.

We like our Apple watches, iPhones 6s plus, Macbook Pros, iPad Pros, and Surface Pro 4 (yes even a Windows product can you believe it!)

We also enjoy eating out, just not expensive places.

Don
by bondsr4me
Sun Dec 10, 2017 2:07 pm
Forum: Investing - Theory, News & General
Topic: Are Bonds ever better than a Fund?
Replies: 10
Views: 1120

Re: Are Bonds ever better than a Fund?

there really is no one, clear-cut answer to this question. it depends on each individual. index funds are right for some.... managed mutual funds are right for others..... individual bonds are right for others. only you can answer this question. i will say individual bonds require work, a level of i...
by bondsr4me
Thu Dec 07, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 572
Views: 214608

Re: TV show recommendations?

I know this is gonna get a big laugh and raise some eyebrows:

I still watch Gunsmoke and The Lone Ranger.

Ok, go ahead and laugh!!

Have a great day BH’ers.

Don
by bondsr4me
Wed Dec 06, 2017 7:25 am
Forum: Investing - Theory, News & General
Topic: Corporate & Treasury Bonds: Where's the risk?
Replies: 21
Views: 1952

Re: Corporate & Treasury Bonds: Where's the risk?

Doc wrote:
Wed Dec 06, 2017 7:17 am
Corporate bonds sometimes (often?) have call provisions.
+1

That is one of the first things I look at before considering buying a bond. Fidelity shows this on their bond screen.

Don
by bondsr4me
Wed Dec 06, 2017 7:11 am
Forum: Investing - Theory, News & General
Topic: Index funds....encourage market timing/stock picking?
Replies: 2
Views: 541

Index funds....encourage market timing/stock picking?

Nice article about the ever growing number of index funds available to investors. I can’t help but wonder if the narrow focus of many of them do actually encourage market timing and stock selection. Here’s the link.. https://www.marketwatch.com/story/index-funds-now-are-part-of-an-investors-biggest-...
by bondsr4me
Mon Nov 27, 2017 12:02 pm
Forum: Investing - Theory, News & General
Topic: CNBC says Vanguard says 70% Chance of "Correction"
Replies: 63
Views: 7840

Re: CNBC says Vanguard says 70% Chance of "Correction"

to quote Cramer on his Mad Money show......SELL SELL SELL!!! I hope the "big one" happens soon....I am looking for a great buying opportunity....bring it on. Seriously though, I will be on the lookout for some buying opportunities if we get 15-20 % correction. I have some idle cash just ready to go ...
by bondsr4me
Sat Nov 25, 2017 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 4894

Re: if you could use only 1 investment firm...

I want to thank everyone who took their time to respond to my post. There were may varied, but helpful posts and I certainly appreciate them all. Other than Fidelity and schwab, i most likely will maintain a very small amount of funds in VG and TDA just to keep the accounts open in case I change my ...
by bondsr4me
Fri Nov 24, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 4894

Re: if you could have only 1 investment firm...

Ron wrote:
Fri Nov 24, 2017 1:21 pm
R U serious? Yes, I am or I wouldn't waste my time with this.

You are asking this question on a forum dedicated to Vanguard? :oops: ...
I didn't know this forum was a "Vanguard" forum.
by bondsr4me
Fri Nov 24, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 4894

if you could use only 1 investment firm...

I know there have been many posts about brokerage firms and I am not trying to be redundant. I currently use VG, Fido, Schwab and TDAmeritrade. With the year-end coming upon us, I am very seriously considering pairing back from 4 firms to just one (or maybe 2). Keeping track of 4 joint accounts and ...
by bondsr4me
Thu Nov 23, 2017 11:04 am
Forum: Investing - Theory, News & General
Topic: Transferring to Vanguard
Replies: 14
Views: 1768

Re: Transferring to Vanguard

When choosing a broker the very first word that comes to mind is TRUST. Trust is paramount in any relationship, but more so when it comes to your money. If you feel as though you can’t trust your broker, service and bells and whistles don’t mean a thing IMHO. I have accounts at VG, FIDO, Schwab and ...
by bondsr4me
Thu Nov 23, 2017 9:46 am
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 155
Views: 13991

Re: Is holding bonds now dangerous?

If you are buying high quality, investment grade bonds to hold until maturity, your answer is no. If you are buying high quality, investment grade bonds to provide income in your retirement, your answer is no. High quality, investment grade bonds will provide stability to a portfolio that includes r...
by bondsr4me
Wed Nov 22, 2017 6:55 am
Forum: Local Chapters and Bogleheads Community
Topic: A Thanksgiving to Remember: A Bit of Bogleheads History
Replies: 20
Views: 2115

Re: A Thanksgiving to Remember: A Bit of Bogleheads History

Thanks Mel.

I always enjoy reading this kinda good stuff.

Happy Thanksgiving to all you Bogleheads.

Don
by bondsr4me
Sun Nov 12, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 260
Views: 35404

Re: Selling all equities, discuss why I'm wrong. :)

Toons wrote:
Wed Sep 02, 2015 6:32 am
You made the right decision for YOU,,,don't question it :happy
+1

I totally agree with Toons.
Investing is a highly personal thing.
No two people are alike as far as risk tolerance is concerned.
Do what is right for YOU, not anyone else.

Move on and enjoy life.

Don
by bondsr4me
Sun Nov 05, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: Who owns Vanguard? Schwab and Fidelity!
Replies: 27
Views: 3654

Re: Who owns Vanguard? Schwab and Fidelity!

This link may help any concerns about who owns VG.

http://www.biglawinvestor.com/why-shoul ... #more-1396
Thanks TAYLOR for this link in your post.

Have a great weekend.
by bondsr4me
Wed Nov 01, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Everyone makes mistakes
Replies: 4
Views: 1492

Re: Everyone makes mistakes

Yesterday I did 2 wire transfers; 1 from Schwab to VG and 1 from Fidelity to VG. They were each for identical amounts and both were processed by each out going firm before noon. By 4:00pm only one showed up in my VG account. I called VG, but they only saw one transfer and they did not know from whic...
by bondsr4me
Tue Oct 31, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26495

Re: Iphone X is $1000

We have been Apple products fans and have been buying since 2006....MBP's, iPadPros, iPhone6Plus. At $1000, I have serious doubts that we will go for the X Phone. I don't mind spending that on laptops, but not a phone. Apple may have lost me on this one. Great products...yes Great service when neede...
by bondsr4me
Sat Oct 28, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Courses at American College (of Financial Services)
Replies: 9
Views: 567

Re: Courses at American College (of Financial Services)

Looks like that certification is something they made up themselves for purposes of self-promotion. I never heard of them but apparently they have their critics. https://www.kitces.com/blog/the-day-i-became-ashamed-to-be-a-clu/ You might be better off taking some classes at a general college. I woul...
by bondsr4me
Sat Oct 28, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Courses at American College (of Financial Services)
Replies: 9
Views: 567

Re: Courses at American College (of Financial Services)

I successfully completed their CFP program.

I thoroughly enjoyed all the courses and would recommend the school if that's what you are interested in.

Good Luck to you.

Don
by bondsr4me
Sun Oct 22, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: Charles schwab - why so much cheaper?
Replies: 53
Views: 7948

Re: Charles schwab - why so much cheaper?

No catch. We are with Vanguard but I'm considering Schwab, maybe to start with a checking account and brokerage. Their free robo is enticing as well. The service is supposed to be excellent as well. not a fan of the Schwab site. Navigating it....takes 10 clicks to find what one wants, if not more. ...
by bondsr4me
Sat Oct 21, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: J. Clements: Jack's Comments at 2017 Bogleheads Conference
Replies: 18
Views: 2716

Re: J. Clements: Jack's Comments at 2017 Bogleheads Conference

I, for one, DO hope Jack will be around for many years. As for predictions, I don't pay too much attention to them. In the long run, the future is highly unpredictable IMHO. I certainly wouldn't hang around here or anywhere if I did not believe in the underlying principles. Wishing JACK, and all BH'...
by bondsr4me
Wed Oct 18, 2017 5:41 am
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 116
Views: 11732

Re: Converting to Safety Razors

Another fan of DE safety. Merkur long handle with Astra superior platinums on sale for $12-13 for 100 and change them every other to every third day. Proraso cream (red tube) lasts for months. Bottle of shave oil might last near a year. I shave 6 days a week unless I am on vacation. I keep some fea...
by bondsr4me
Mon Oct 16, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45000

Re: Fellow TDA bogleheads

Looks like this will get me to finally open an account at Vanguard directly. Too bad, I liked TDA for all other aspects. I agree about TDA, their website and tools are very good. I do personally feel TDA is geared primarily towards traders. They have lots of trading stuff which makes it very tempti...
by bondsr4me
Thu Oct 05, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: Cannot logon to Vanguard using iPad application
Replies: 10
Views: 503

Re: Cannot logon to Vanguard using iPad application

Just logged on using Safari in my iPad Pro 10.3.3

No problems.

Don
by bondsr4me
Thu Oct 05, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3373

Re: Simple Notebook/laptop

If I was to buy a laptop for my mom, I would get her a Mac. They are easy to use; very little hands on maintenance required (Apple does this under the hood); no virus worries; excellent hardware and software. If you live close to an Apple store, you and your mom can hands on all the different hardwa...
by bondsr4me
Mon Sep 25, 2017 6:34 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 9142

Re: Where do you get your news?

Apple News app on my iPad pro.

News app on my Surface Pro 4.

WSJ free pdf for paper.

NYT on the internet (only what's free).

Some other websites too.

Don
by bondsr4me
Sun Sep 24, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 13154

Re: Any "average Joe" here actually make out well with individual stocks?

jrtexas wrote:
Wed Sep 20, 2017 9:55 pm
Up over 10%. AAPL,T,JNJ,PG,PM. I dont invest if they don't pay a dividend.

+1 on the dividends requirement.
by bondsr4me
Sun Sep 24, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 159
Views: 22923

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

I have a vague recollection that some people that are employed in the brokerage industry and maybe their spouses cannot have a brokerage account at another firm. Mutual fund only accounts are excluded. Maybe someone can confirm. The firm I was affiliated with (no longer licensed/in the business) al...
by bondsr4me
Sat Sep 23, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: cataract surgery: accommodating vs multifocal lens implants
Replies: 15
Views: 1075

Re: cataract surgery: accommodating vs multifocal lens implants

I had cataract surgery on both eyes about 1 1/2 years ago. I did not want to pay for the expensive toric lenses, so I had the "regular" lenses put in. I no longer have to wear glasses all the time; just readers. This was a huge plus for me because I used to wear tri-focal lenses. My work was (recent...
by bondsr4me
Sat Sep 23, 2017 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: iShares Core Dividend Growth (DGRO)
Replies: 2
Views: 344

iShares Core Dividend Growth (DGRO)

anyone using this in lieu of VG's VYM?
if so, why?

just curious...

Thanks,

Don
by bondsr4me
Mon Sep 18, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 29629

Re: Wow, Vanguard Flagship service is bad. Really bad.

Lowest ER's might be having an effect on attracting competent talent.

Maybe, maybe not.

I would be very curious to know VG's compensation scale as compared to other financial firms.

Cheap pay doesn't attract top talent.... you get what you pay for.

Don
by bondsr4me
Mon Sep 18, 2017 11:15 am
Forum: Investing - Theory, News & General
Topic: Good books for bond investing?
Replies: 16
Views: 1279

Re: Good books for bond investing?

Check out" Bonds The Unbeaten Path to Secure Investment Growth" by Hildy and Stan Richelson.

Its a very comprehensive, educational bonds book.

I have both printed editions and an electronic edition as well.

Don
by bondsr4me
Mon Sep 11, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Feeling guilty for buying a new iPad pro
Replies: 30
Views: 2582

Re: Feeling guilty for buying a new iPad pro

My iPad stalls every so often and I'mthinking of buying an iPad Pro. Do the bogleheads feel guilty on these types of splurges? Absolutely not. I spend on technology when I want to...no guilt at all. Some people spend money on cigarettes, booze, entertainment. Technology is my thing....no apologies ...
by bondsr4me
Tue Aug 29, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Review with Me - Larry Swedroe's new book
Replies: 160
Views: 7745

Re: Why I asked for Larry book thread to be closed

I liked Larry's book on bonds, The Only Guide to a Winning Bond Strategy You'll Ever Need. I am current working on Annette Thau's book on bonds, but when I am done with that, I may see if I can pick up Larry's new book. Thanks for bringing it to my attention. Thanks for the heads up on the two bond...
by bondsr4me
Sun Aug 27, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett on America
Replies: 9
Views: 3093

Re: Warren Buffett on America

I think it's beautiful and I am grateful I get to reap the benefits of being born in America. https://www.youtube.com/watch?v=NzWPDhrR2HY +1 Agree 10,000% America is the greatest country on the face of this planet. And yes, Warren is certainly an American treasure and is part of my Mt. Rushmore of ...
by bondsr4me
Tue Aug 22, 2017 6:53 am
Forum: Investing - Theory, News & General
Topic: New Schwab U.S. Aggregate Bond ETF (SCHZ)
Replies: 41
Views: 7857

Re:

If you are not going to move all your assets to Vanguard you might just think twice about the nuisance of splitting them up and shrug and stay with Schwab. I have all my mutual funds at Vanguard and all my TIPS at Fidelity and having accounts at two firms is a significant PITA. nisiprius. just curi...
by bondsr4me
Thu Aug 17, 2017 4:30 am
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 11394

Re: Anyone planning on never retiring?

I'm retiring tomorrow. I have enjoyed my profession (accounting, taxes, investments) for the past 49+ years, but its time to move on. I was gonna keep on working, but lately, its not as much fun as it used to be, so I decided "its time". I am very active physically and mentally so there won't be any...
by bondsr4me
Wed Jul 26, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Why not Schwab instead of Vanguard?
Replies: 68
Views: 5332

Re: Why not Schwab instead of Vanguard?

I think Schwab is a very good organization to do business with. There again, so is Vanguard, Fidelity and TDAmeritrade. Any one of these would be just fine to use. I will say this: if Vanguard has not done anything to upset you (that can't be rectified), I would not change. I have accounts at VG, Sc...
by bondsr4me
Thu Jul 20, 2017 5:01 am
Forum: Personal Finance (Not Investing)
Topic: Another nice J. Bogle article
Replies: 1
Views: 446

Another nice J. Bogle article

Just another really nice read about "The Man".
I always enjoy reading these things.
He seems like a great guy to hang around.

http://www.marketwatch.com/story/this-i ... 2017-07-20

I hope the link works for you.

Have a great day

Don
by bondsr4me
Mon Jul 10, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Vanguard or Schwab? I need to choose.
Replies: 47
Views: 4777

Re: Fidelity, Vanguard or Schwab? I need to choose.

Wricha wrote:Personally over the course of 30 years I have been with all three, Schwab's service is heads above Fidelity and heads and shoulders above Vanguard (this is capital offense on this site)
+1

I tend to agree with it all.

Don
by bondsr4me
Sun Jul 09, 2017 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: How best to invest 10 years of expenses in Fixed Income
Replies: 27
Views: 2840

Re: How best to invest 10 years of expenses in Fixed Income

What I did eight years ago with a similar goal: I bought 5 CDs of 1,2,3,4 and 5 year maturities, each holding 2 years spending. Then each year I take from the matured cd the amount I need for the next year's spending, put it in a money market account, and roll over the rest into a new 5 year cd. Th...
by bondsr4me
Sat Jul 08, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Vanguard or Schwab? I need to choose.
Replies: 47
Views: 4777

Re: Fidelity, Vanguard or Schwab? I need to choose.

They are all good....all 3 of them. IMHO Schwab and Fidelity both beat VG when it comes to web tools. If you don't trade, then you really don't need these tools anyway. I do feel that, based on personal experience, Schwab and Fidelity customer service is better than VG. I hope that VG will catch up ...
by bondsr4me
Tue Jul 04, 2017 1:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: A Fourth of July Message [Independence Day]
Replies: 13
Views: 1664

Re: LadyGeek

Taylor Larimore wrote:LadyGeek:

Thank you for another of your helpful changes.

Your behind-the-scene dedication has made this financial forum and wiki the best on the internet.

Happy Holiday!

Taylor
+1 for sure.
by bondsr4me
Tue Jul 04, 2017 1:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: A Fourth of July Message [Independence Day]
Replies: 13
Views: 1664

Re: A Fourth of July Message

Thanks for sharing Taylor.

Great song...great tribute..to the GREATEST country on this earth.

GOD Bless the USA!


Happy 4th to everyone.

Don
by bondsr4me
Sat Jul 01, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 159
Views: 22923

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

It amuses me that people here rail against Vanguard doing things like providing an automatic cross-account rebalancing tool because they're afraid it would "increase costs (it wouldn't) while also railing against consolidating all customers onto a single brokerage platform which WOULD materially de...
by bondsr4me
Wed Jun 28, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: swimming goggles
Replies: 29
Views: 2427

Re: swimming goggles

If you have had trabeculectomy glaucoma surgeries you are definitely at risk for infection, which could lead to blindness. Discuss with your ophthalmologist. No goggle can completely keep your eye free of pool water, and if it is contaminated water could be a major risk to you. Yes, this has been a...
by bondsr4me
Wed Jun 28, 2017 4:31 am
Forum: Personal Consumer Issues
Topic: swimming goggles
Replies: 29
Views: 2427

Re: swimming goggles

I have had trabeculectomies in both eyes and vitrectomy in right, so I don't want to gamble with the chlorine getting into my eyes and causing more problems. Really really like to swim...great exercise. Don Not trying to sound harsh, especially because you say you really really like to swim...but i...
by bondsr4me
Tue Jun 27, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: swimming goggles
Replies: 29
Views: 2427

Re: swimming goggles

Thank You to everyone for your replies.

So much good information.

I appreciate them all.

Thanks again,

Don
by bondsr4me
Tue Jun 27, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: swimming goggles
Replies: 29
Views: 2427

Re: swimming goggles

some really great replies so far....

"Thank You" to all of you...I sincerely appreciate your time to reply!

Don