Search found 1132 matches

by bondsr4me
Wed Jul 17, 2019 1:50 pm
Forum: Investing - Theory, News & General
Topic: A caution to Vanguard paper check users
Replies: 10
Views: 1119

Re: A caution to Vanguard paper check users

OP:

did this happen in a "cash" brokerage account or a "margin" brokerage account?

I don't think this would happen in a "margin" account...or would it?
by bondsr4me
Wed Jul 17, 2019 7:00 am
Forum: Investing - Theory, News & General
Topic: Agree? Article: Tracking the Agg? Why the Bond Index May Not Work.
Replies: 14
Views: 1752

Re: Agree? Article: Tracking the Agg? Why the Bond Index May Not Work.

I pretty much ignore any arguments or discussion about an investment strategy "working." That includes even arguments that confirm my personal bias. The people making the argument never spell out what they mean by an investment "working." Often it seems to mean "outperform something." Often it mean...
by bondsr4me
Tue Jul 16, 2019 6:50 am
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 36
Views: 2913

Re: New Subaru Outback Engine Offering for 2020

We purchased a 2019 Outback Touring 3.6 about a month ago. Absolutely love the vehicle. We researched and considered the 2020. They had some nice deals to start clearing the 2019s off the lot. In addition, my wife had a preference for the look of the 2019 over the 2020. I'll bet your engine would b...
by bondsr4me
Mon Jul 15, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 85
Views: 4773

Re: Anyone buy the Nissan Rogue over the Honda CRV???

We are seriously considering trading our 2016 Honda Accord in for a 2019 Subaru Outback Limited. The seats in Accord have gotten very uncomfortable. We like the looks of the Outback. Test drove it Saturday; 6 cyl; handled well; good pickup onto the interstate; nice display with "knobs". We'll see w...
by bondsr4me
Mon Jul 15, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 85
Views: 4773

Re: Anyone buy the Nissan Rogue over the Honda CRV???

We are seriously considering trading our 2016 Honda Accord in for a 2019 Subaru Outback Limited. The seats in Accord have gotten very uncomfortable. We like the looks of the Outback. Test drove it Saturday; 6 cyl; handled well; good pickup onto the interstate; nice display with "knobs". We'll see wh...
by bondsr4me
Thu Jul 11, 2019 7:38 am
Forum: Investing - Theory, News & General
Topic: Understanding bonds
Replies: 7
Views: 934

Re: Understanding bonds

To help you understand bonds, I strongly suggest you get this book:

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

They explain the many different bonds.

I hope you find it very helpful.

Don
by bondsr4me
Wed Jul 10, 2019 5:56 pm
Forum: Personal Investments
Topic: VOO vs bonds
Replies: 62
Views: 2943

Re: VOO vs bonds

Ok, thank you! Can you all recommend a bond fund for me? I will have to go read up some. My best recommendation for you is to get and read “Bonds The Unbeaten Path to Secure Investment Growth” by Hildy & Stan Richelson. This book is packed with information. I keep this book close by as my bond “Bib...
by bondsr4me
Tue Jul 09, 2019 12:52 pm
Forum: Personal Investments
Topic: Should I rollover my Vanguard 401k to my Fidelity 401k?
Replies: 16
Views: 794

Re: Should I rollover my Vanguard 401k to my Fidelity 401k?

Easy answer....stay.

No real reason to leave VG is there?
by bondsr4me
Tue Jul 09, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 69
Views: 5206

Re: (Tall) Buyer Beware: Honda Accord.

I have a 2016 Honda Accord (previously had another Accord for 11 years). In both cars, the seats are just "OK" when the car is new. Now, after a few years, the seat is not comfortable at all...my wife is also unhappy with the lack of comfort of the seat. We are looking around for another more comfor...
by bondsr4me
Tue Jul 09, 2019 8:00 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle was right: smart beta ETFs are closet trackers (including Vanguard’s)
Replies: 21
Views: 2354

Re: Jack Bogle was right: smart beta ETFs are closet trackers (including Vanguard’s)

JoMoney wrote:
Sat Jul 06, 2019 9:50 am
Jack Bogle was right about a lot of things... but I suspect that people trying to "beat the market" through stock picking, sector picking, or factor fund picking, don't fully appreciate his advice.
+1
by bondsr4me
Tue Jul 09, 2019 7:48 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" episode 011 - guest Mel Lindauer, host Rick Ferri
Replies: 13
Views: 1583

Re: "Bogleheads on Investing" episode 011 - guest Mel Lindauer, host Rick Ferri

Just listened to this episode this morning. Rick, you did a very good job speaking with Mel. It was very interesting and informative. Your time and effort is very much appreciated. A special "Thank You" to everyone who makes this forum's wheels go round.... Taylor, Mel, all the moderators, all the p...
by bondsr4me
Mon Jul 08, 2019 12:27 pm
Forum: Personal Investments
Topic: How to sell bond at Vanguard?
Replies: 8
Views: 599

Re: How to sell bond at Vanguard?

peterwantstosave wrote:
Mon Jul 08, 2019 8:38 am
Sold it @ 107 and change. Fixed income desk over the phone was really helpful. My first good telephone experience with Vanguard.

Onward, P
Glad to hear that!
I had reason to contact the bond desk once and the rep was very capable, helpful and friendly.
Have a great week.
by bondsr4me
Mon Jul 08, 2019 8:28 am
Forum: Personal Investments
Topic: How to sell bond at Vanguard?
Replies: 8
Views: 599

Re: How to sell bond at Vanguard?

There shouldn't be a commission because it's a treasury bond. Why not make it easy on yourself and call Vanguard and get the bond desk person sit for you. I have attached a link about Vanguard's commissions....hope you find it helpful. https://investor.vanguard.com/investing/transaction-fees-commiss...
by bondsr4me
Sun Jul 07, 2019 10:04 am
Forum: Personal Investments
Topic: Balance more between Vanguard and Fidelity ?
Replies: 17
Views: 1508

Re: Balance more between Vanguard and Fidelity ?

I am about 50/50 Fidelity and Vanguard as well. Brokerage diversification isn't a bad thing...one of them could have IT problems, or a cyber attackk, or my account could get locked for a bit. In addition both brokerages have certain things I like at one better than the other... +1....I agree with t...
by bondsr4me
Sat Jul 06, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: Gillette Skinguard razor
Replies: 5
Views: 673

Re: Gillette Skinguard razor

I just used a brand new out of box (purchased on ebay) Gillette Super Speed double edge razor a few days ago. The shave was pretty “mild”. I also just today purchased a Vintage New Old Stock unused still brand new Gillette Slim Adjustable Double Edge razor on ebay. It’s been a long time since I’ve u...
by bondsr4me
Sat Jul 06, 2019 6:16 pm
Forum: Personal Investments
Topic: If I want to time the market
Replies: 59
Views: 2455

Re: If I want to time the market

Every time I start thinking I can time the market, I remind myself of this quote: “I don’t know anyone who can do it successfully, nor anyone who has done so in the past. Heck, I don’t even know anyone who knows anyone who has timed the market with consistent, successful, replicable results.” — Jac...
by bondsr4me
Sat Jul 06, 2019 1:06 pm
Forum: Investing - Theory, News & General
Topic: My Bond Fund took hit Friday
Replies: 14
Views: 1770

Re: My Bond Fund took hit Friday

maybe we should apply Will Rogers’ stocks idea to bonds too....

If stocks goes up buy them...if they don’t go up don’t buy them...

IMHO, it’s much more prudent to pay attention to Sandtrap’s 10 yr chart than the 1 month chart.

Have a great weekend
by bondsr4me
Fri Jul 05, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Cloud storage: Best cross-platform, family-shareable service? Google Drive / One vs. Dropbox vs. who else?
Replies: 23
Views: 1907

Re: Cloud storage: Best cross-platform, family-shareable service? Google Drive / One vs. Dropbox vs. who else?

My wife and I have Office365 which gives us each 1TB OneDrive cloud storage. I just yesterday, for the first time, uploaded my pictures to OneDrive....about 3GB of pics. My “free” iCloud from Apple has very little room on it and I’m too tight to pay for more. This is one area where Microsoft, IMHO,...
by bondsr4me
Thu Jul 04, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 20005

Re: Do you share your net worth with family members?

I talk about our personal finances with my wife only....nobody else’s business....period.

Just my way.

I learned a long time ago to be tight-lipped with financial matters when I worked in public accounting.
by bondsr4me
Thu Jul 04, 2019 5:12 pm
Forum: Personal Investments
Topic: [ETF vs. Mutual Fund questions]
Replies: 53
Views: 1769

Re: which is better schwab or fedelity

They are both good, so you can’t go wrong choosing either one. I do feel that Schwab is more for trading, but that’s just my opinion. I have accounts at both, but more assets at Fidelity....they gave me 200 free trades good for 2 years. For now, Vanguard holds most of our assets. I trust VG the most.
by bondsr4me
Thu Jul 04, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Cloud storage: Best cross-platform, family-shareable service? Google Drive / One vs. Dropbox vs. who else?
Replies: 23
Views: 1907

Re: Cloud storage: Best cross-platform, family-shareable service? Google Drive / One vs. Dropbox vs. who else?

My wife and I have Office365 which gives us each 1TB OneDrive cloud storage. I just yesterday, for the first time, uploaded my pictures to OneDrive....about 3GB of pics. My “free” iCloud from Apple has very little room on it and I’m too tight to pay for more. This is one area where Microsoft, IMHO, ...
by bondsr4me
Thu Jul 04, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: "Converting Vanguard Mutual Funds To ETFs"
Replies: 22
Views: 2242

Re: "Converting Vanguard Mutual Funds To ETFs"

Thanks for sharing Taylor.

Just another reason I firmly believe Vanguard does what is best for investors.

I hope they will always follow Jack Bogle’s lead in doing what is best for individual investors.

Happy 4th to everyone.
by bondsr4me
Tue Jul 02, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Pickleball Paddle recommendation?
Replies: 60
Views: 3403

Re: Pickleball Paddle recommendation?

I have watched it on TV and at our local YMCA. A few have asked me to "try it". I am a confirmed racquetball player (>45 yrs now). It looks a little slow to me until the last few rallies, but, that's just my perspective. I may try it one day...but for now, I really enjoy rball. But, if my knees or ...
by bondsr4me
Tue Jul 02, 2019 11:47 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett Remembers Vanguard Founder Jack Bogle
Replies: 4
Views: 792

Re: Warren Buffett Remembers Vanguard Founder Jack Bogle

There is no doubt about it, Jack Bogle really did do more for the individual investor than anyone.....period.

Warren Buffett's comments about Jack are certainly well-deserved for Jack.

I hope that Vanguard never forgets the right way to do business.....Jack's way.
by bondsr4me
Mon Jul 01, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Windows Defender and Malwarebytes
Replies: 17
Views: 1534

Re: Windows Defender and Malwarebytes

I only use Windows Defender on my Surface Pro 6 (also used it on SP4 which was traded-in on the SP6).

I have never had issues with my SP6 or the traded-in SP4.
by bondsr4me
Sun Jun 30, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Pickleball Paddle recommendation?
Replies: 60
Views: 3403

Re: Pickleball Paddle recommendation?

I have watched it on TV and at our local YMCA. A few have asked me to "try it". I am a confirmed racquetball player (>45 yrs now). It looks a little slow to me until the last few rallies, but, that's just my perspective. I may try it one day...but for now, I really enjoy rball. But, if my knees or ...
by bondsr4me
Thu Jun 27, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: Pickleball Paddle recommendation?
Replies: 60
Views: 3403

Re: Pickleball Paddle recommendation?

I have watched it on TV and at our local YMCA. A few have asked me to "try it". I am a confirmed racquetball player (>45 yrs now). It looks a little slow to me until the last few rallies, but, that's just my perspective. I may try it one day...but for now, I really enjoy rball. But, if my knees or m...
by bondsr4me
Thu Jun 13, 2019 7:11 pm
Forum: Personal Investments
Topic: New here-question on changing brokers
Replies: 10
Views: 361

Re: New here-question on changing brokers

Well that really bothers me because the guy at VG is no newbie. Why would he not do this? If some of your investments are “proprietary” funds, the VG person is right. “You” should sell the funds at EJ that the VG rep told you to liquidate. Then VG can do an ACAT for you. If I may, for current and f...
by bondsr4me
Thu Jun 13, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 4013

Re: Tips for new pet owner [puppy]

if you want lap dogs, Chihuahua all the way. We love ours....I really do mean “love”....they are “family” members. After having just one Chi for 11 years, 8 years ago we had the heart-breaking experience of having to say “See you in Heaven”. After the healing, we went out and bought 2 Chihuahuas.......
by bondsr4me
Thu Jun 13, 2019 6:38 pm
Forum: Personal Investments
Topic: New here-question on changing brokers
Replies: 10
Views: 361

Re: New here-question on changing brokers

Elle06 wrote:
Thu Jun 13, 2019 6:23 pm
Well that really bothers me because the guy at VG is no newbie. Why would he not do this?
If some of your investments are “proprietary” funds, the VG person is right.
“You” should sell the funds at EJ that the VG rep told you to liquidate.
Then VG can do an ACAT for you.
by bondsr4me
Wed Jun 12, 2019 11:18 am
Forum: Investing - Theory, News & General
Topic: Schwab IT advice was wrong
Replies: 3
Views: 1235

Re: Schwab IT advice was wrong

Thursday I contacted CS via real-time chat. My issue was with the CS mobile app for my iPadPro. I want to see more info when I look at my “Watch List” screen. I want to see Bid, Ask, Last,Dividend Amount, Div Yield, Ex-Dividend Date. You can’t edit the columns in this app. You only see symbol, name...
by bondsr4me
Wed Jun 12, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 3656

Re: Which shaving cream / oil?

I use Proraso Sensitive tub and also Proraso Sensitive tube shave cream. I use either one with a badger brush. The brush really helps to work in lather. On occasion, I use Aveeno shave gel out of the can, which is very good also. Any of these will do a very good job. Very satisfied with any of the a...
by bondsr4me
Sat Jun 08, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: iPad for notetaking with stylus
Replies: 10
Views: 744

Re: iPad for notetaking with stylus

I use Apple’s own Notes. I like to jot down ticker symbols and other info when I read Barrons or WSJ or Apple News. All my Notes go to iCloud so I can see/edit on my MacBookPro or even my iPhone 6S Plus. I would think Notes would work well for you. Maybe try it out using staff members to see if it i...
by bondsr4me
Sat Jun 08, 2019 12:19 pm
Forum: Investing - Theory, News & General
Topic: Schwab IT advice was wrong
Replies: 3
Views: 1235

Schwab IT advice was wrong

Thursday I contacted CS via real-time chat. My issue was with the CS mobile app for my iPadPro. I want to see more info when I look at my “Watch List” screen. I want to see Bid, Ask, Last,Dividend Amount, Div Yield, Ex-Dividend Date. You can’t edit the columns in this app. You only see symbol, name ...
by bondsr4me
Sat Jun 08, 2019 11:56 am
Forum: Personal Investments
Topic: Resident Physician
Replies: 33
Views: 4768

Re: Resident Physician

There is a Boglehead who posts here occasionally called The White Coat Investor. His website is the same. He has a book geared towards "White Coat" investors...just like you. I purchased his book (did not read it myself) for my doctor who was retiring. Hope this helps you. Good Luck to you! So nice...
by bondsr4me
Thu Jun 06, 2019 11:42 am
Forum: Investing - Theory, News & General
Topic: Convince me not to try to time the market
Replies: 27
Views: 2088

Re: Convince me not to try to time the market

I'm fortunate to have a substantial lump-sum (~$300k) to invest at the moment which will roughly double my current retirement savings. I'm 38 so I've got some time, but work in a volatile industry and would feel good if I didn't *have* to work beyond ~55-60. Generally I agree with the Bogleheads ph...
by bondsr4me
Thu Jun 06, 2019 11:04 am
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 15910

Re: Insights from Vanguard

bondsr4me, I asked if we could come & take the Vg reps to lunch. They thanked me, but said their ethics policy wouldn't allow it. So, we settled for a face-to-face in a conference room at their place. I took the whole family! Was perhaps the best investment meeting we've ever had. I cannot say enou...
by bondsr4me
Thu Jun 06, 2019 7:43 am
Forum: Personal Investments
Topic: Resident Physician
Replies: 33
Views: 4768

Re: Resident Physician

There is a Boglehead who posts here occasionally called The White Coat Investor.
His website is the same. He has a book geared towards "White Coat" investors...just like you.
I purchased his book (did not read it myself) for my doctor who was retiring.
Hope this helps you.
Good Luck to you!
by bondsr4me
Thu Jun 06, 2019 7:32 am
Forum: Personal Consumer Issues
Topic: New Roof - to RidgeVent or to not RidgeVent
Replies: 39
Views: 3953

Re: New Roof - to RidgeVent or to not RidgeVent

We had a new roof put on about 5 years ago...no ridge vents; soffits are vented. The roofer didn't recommend one; leak issues. Our old roof had one and we had leak issues. Not anymore since new roof w/o ridge vent. What do all your neighbors have? What are their experiences? May help to talk to othe...
by bondsr4me
Thu Jun 06, 2019 7:23 am
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 15910

Re: Insights from Vanguard

My family & I met w Vanguard reps last week. Excellent service all around. It was worth the trip to watch the look on my young adult children’s faces as the Vg PAS rep told them they needed to save 30% of their gross income for retirement! I was a proud Boglehead indeed!! Newcollegeman I don't unde...
by bondsr4me
Wed Jun 05, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 5005

Re: Gillette Fusion razors

I do what The Wirecutter tells me to do. https://thewirecutter.com/reviews/best-manual-razor/ Thanks for the link. I always enjoy reading opinions and forums on shaving. BTW, I don’t particularly care for the Fusion....I think the Schick Hydro5 is better. The Mach 3 is OK, but just OK. I also like ...
by bondsr4me
Mon Jun 03, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Dual coffee maker suggestion
Replies: 24
Views: 1546

Re: Dual coffee maker suggestion

I make my wife's coffee using a Mr. Coffee 4 cup drip coffee maker....she likes Gevalia.

I make my coffee in a percolator....I like 8 o'clock coffee.

Works well for us.

We each get the coffee we like and how we like it brewed.
by bondsr4me
Thu May 30, 2019 5:49 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 59
Views: 5555

Re: Jim Cramer

Cramer is just too wild for me anymore. One day (when market is on a roll up) he's talking stocks forever. Now with the markets in the tank he's singing a different tune....classic market timer and momentum guy. I don't enjoy listening to his rants and it seems (to me anyway) he, just like Joe Kerne...
by bondsr4me
Sun May 26, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: Finally broke down and bought a new ipad....
Replies: 20
Views: 2906

Re: Finally broke down and bought a new ipad....

I just a new iPadPro 12.9” yesterday....love it.
Traded my iPadPro 10.5” in on it.
I must say the buying experience at the Apple Store was a 10 on the 1-10 scale.
The rep helped me with my trade and setting up my new one.
Great product....Great Store experience.
by bondsr4me
Thu May 23, 2019 5:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard issues 10-year forecast for stock, bond market returns
Replies: 79
Views: 8579

Re: Vanguard issues 10-year forecast for stock, bond market returns

I pay no attention to predictions like this even if Vanguard did the prediction.

Nobody knows what will happen 10 days from now let alone 10 years.

Isn’t this remotely market-timing....trying to predict outcomes.

Anyway, probably best not to act on this.
by bondsr4me
Thu May 23, 2019 2:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website fail at the propitious moment
Replies: 15
Views: 2044

Re: Vanguard website fail at the propitious moment

I logged in without any issues....

I made no changes, no order entry; just viewed a few things.
by bondsr4me
Thu May 23, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: Windows 10 - May 2019 Update (1903)
Replies: 42
Views: 3657

Re: Windows 10 - May 2019 Update (1903)

my SP6 did an update on 5/19 for Version 1803 (KB4023057).

no problems....so far that is!
by bondsr4me
Wed May 22, 2019 5:03 am
Forum: Investing - Theory, News & General
Topic: Any option traders?
Replies: 41
Views: 3026

Re: Any option traders?

I don’t trade them much anymore. When I do, I sell naked puts on stocks I am willing to own. I also sell covered calls on the few stocks I own when the opportunity presents itself. I have a bunch of free trades from Fidelity, so that helps too. I use weekly expirations or close-by expirations...I do...
by bondsr4me
Tue May 21, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: Getting Ready for Windows 10
Replies: 28
Views: 1984

Re: Getting Ready for Windows 10

I have a SurfacePro 6 (just got it a week ago...traded my SP4 for it) with Windows 10 (had a SP and SP4 before this). Windows 10 has come a long way from what Windows used to be. That being said, there is still no comparison to my MacBookPro. The Apple OS is far more stable IMHO. I don't want to app...