Search found 362 matches

by Rajsx
Mon Feb 25, 2013 8:17 pm
Forum: Personal Consumer Issues
Topic: The most reliable 4-door sedan in 2013 is Camry?
Replies: 57
Views: 7780

Re: The most reliable 4-door sedan in 2013 is Camry?

I have been very lucky with Toyota in general, Our household has had - Camry - 1985 Tercel - 1988 Camry - 1992 Sienna - 2000 - Still going good at 200k m Corolla - 2001 Solara - 2000 - Accidents, Blind Spots Camry - 2002 Avalon - 2003 - Going strong at 100k m Camry - 2009 - strong at 66k m They keep...
by Rajsx
Tue Feb 05, 2013 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: What would be your Asset Allocation ??
Replies: 13
Views: 1830

Re: What would be your Asset Allocation ??

Thanks Dandy for your very informative post
by Rajsx
Sun Feb 03, 2013 8:45 am
Forum: Investing - Help with Personal Investments
Topic: What would be your Asset Allocation ??
Replies: 13
Views: 1830

Re: What would be your Asset Allocation ??

We do not plan to leave a inheritance, if it happens it happens. When I remember those nose dives and the market free falls in 2008, I will be lying if I say my evenings were not affected. Although I was 75% sure the Market will some how come back, I did not buy any more stock funds during the downt...
by Rajsx
Sat Feb 02, 2013 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Completely new [Physician]
Replies: 8
Views: 1566

Re: Completely new [Physician]

- YES, you can still do it, if you can keep on top of expenses and be a disciplined every month like a clock investor. - This is what would I do -- In sequence - - Max out 401, with 17k or so, choose low expense ratio index funds, Vanguard Target index fund 2035 or equivalent from other MF companies...
by Rajsx
Sat Feb 02, 2013 11:36 am
Forum: Investing - Help with Personal Investments
Topic: What would be your Asset Allocation ??
Replies: 13
Views: 1830

What would be your Asset Allocation ??

I think I have the necessary monies for our retirement, but am holding a 50/50 Stock to Bond Asset Allocation on the advice of a Financial Adviser. Our source of present income is from a disability policy and meager income from the part time business. I am 56 & wife is 51, we own and manage a part t...
by Rajsx
Sat Feb 02, 2013 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 199
Views: 35917

Re: Two Comma Club

Congratulations !!!

The next comma will be easier than the first one.

Way to go
by Rajsx
Wed Jan 23, 2013 8:57 pm
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 368
Views: 38539

Re: What kind of car are you driving?

A Toyota fan here,

1)2000 Sienna with 199000K miles, bought new, still runs fine , works as an extra vehicle right now
2)2003 Avalon XLS at 86K miles, premium luxury and a good value, bought at 23k miles,
3)2009 Camry LE, 60k, wife drives, bought at 42K


I have been lucky with Toyotas
by Rajsx
Wed Jan 02, 2013 9:16 pm
Forum: Investing - Theory, News & General
Topic: What was your 2012 return?
Replies: 275
Views: 25967

Re: What was your 2012 return?

The latest return number from the Vangaurd Site shows 10.7% for year 2012 with a 50/50 Portfolio.

Content and happy


Happy new year
by Rajsx
Thu Nov 29, 2012 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: What was your mid-life crisis
Replies: 53
Views: 6632

Re: What was your mid-life crisis

At age 50 I bought myself a motorcycle to relive my my younger college days , which my wife finally agreed to. It was a short lived joy, as I had a minor fall and a knee fracture to start with. A succession of staph infections, complications and a series of knee replacements followed, over a period ...
by Rajsx
Sun Nov 04, 2012 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: What does it feel like to have $1M+ liquid?
Replies: 126
Views: 15714

Re: What does it feel like to have $1M+ liquid?

I agree with other posters, the first million does give a satisfied feeling... sort of a high..., specially when one starts with nothing. But a million does not change the ways which got you there. Although we are getting better, both my wife and I, have a hard time splurging on extravagance, even w...
by Rajsx
Sun Sep 09, 2012 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Another post about CD Rates
Replies: 15
Views: 2990

Re: Another post about CD Rates

After much thinking and such... I am renewing my CD at Discover, I am not opening another CD account at this time.

Thanks and regards
by Rajsx
Fri Sep 07, 2012 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Another post about CD Rates
Replies: 15
Views: 2990

Re: Another post about CD Rates

" Remember that you can create a 1, 2, 3 year ladder of CDs that are all 5 year CDs. It is the early withdrawal penalty that matters, not the term. So, for example, if you use ALLY 5 year CDs at 1.72% they only have 2 month EWP, so one year from now you will earn 1.72%, and pay 1.72*(2/12) = 0.287% ...
by Rajsx
Thu Sep 06, 2012 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Another post about CD Rates
Replies: 15
Views: 2990

Another post about CD Rates

I have 3 laddered CDs at DISCOVER BANK and a 10k CD is maturing this week, and I am looking around for any :oops: encouraging information and trying to decide what to do. Today's rates DISCOVER - 1 yr - 0.90 APY " " "" " "" " " " ALLY - 1 yr - 1.10 APY I understand convenience differs from person to...
by Rajsx
Mon Aug 13, 2012 6:16 am
Forum: Investing - Theory, News & General
Topic: Poll: What is your Bond Allocation %?
Replies: 93
Views: 15449

Re: Poll: What is your Bond Allocation %?

I keep 5-6% of the fixed portion in money market, so for 56 yrs I have 50% in Bond Funds and 6% in Money Market .

Best regards
by Rajsx
Mon Aug 06, 2012 6:32 pm
Forum: Personal Consumer Issues
Topic: Good fitness site in the spirit of Bogleheads?
Replies: 27
Views: 6779

Re: Good fitness site in the spirit of Bogleheads?

Thanks for sharing the information, the sites are very good.

Now, let me see how far I could implement the work.

Thanks
by Rajsx
Sat Jul 28, 2012 1:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Let's talk about the Olympics
Replies: 115
Views: 12412

Re: Let's talk about the Olympics

I did not much care for the opening ceremony this time when compared to in the past. I was waiting for the WOW, did not see any.
by Rajsx
Wed May 30, 2012 5:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

No Cathy, it is not happening. Not enough interest/RSVPs to organize a meeting.


Thanks

Raj
by Rajsx
Tue May 08, 2012 3:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

OK Guys !! RSVP time, then depending on the number of people, we will book the venue.


Thanks and regards
by Rajsx
Fri May 04, 2012 9:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

I have started thinking about our ORLANDO BOGLEHEADS MEETING on the last Thursday of this month, May 31st .

As last time we plan to meet at the Orlando Downtown LIBRARY at 6PM.

Any ideas/thoughts for the topic/write up discussion ?? please let me know on this thread.

Thanks and regards

Raj
by Rajsx
Tue Apr 03, 2012 6:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - The Anti-Goldman Culture
Replies: 11
Views: 1936

Re: Vanguard - The Anti-Goldman Culture

This was the topic discussed on Orlando Bogleheads Chapter last week . Indeed a good read, I am happy I am with Vanguard.



Thanks & regards
by Rajsx
Sat Mar 31, 2012 1:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

We had our meeting on last Thursday of the month - 29th March at the Meeting Room at the Orange County Library in downtown Orlando and I found it to be a very suitable place and possibly could be the place for future meetings. The seating was comfortable and the parking was convenient. We had John, ...
by Rajsx
Tue Mar 27, 2012 3:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

Orlando Chapter Bogleheads - MEETING March 29th, Thursday, at 6 to 7.30 PM ( moved up from 6.30) at ORANGE COUNTY PUBLIC LIBRARY, downtown Orlando in the Meeting Room on 3rd floor. Orlando Public Library 101 E. Central Blvd. Orlando, FL 32801 407.835.7323 http://www.ocls.info/orlandopubliclibrary To...
by Rajsx
Mon Mar 26, 2012 2:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

I am arranging the venue and soon will be posting it here, please follow. Hi Ted(above), any news yet from you about the venue you were looking into. You are welcome Phil. Orange County Library - Downtown Orlando has a $25 charge for the room for 2 hrs, so members please be ready to pitch in a few b...
by Rajsx
Tue Mar 20, 2012 5:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

Thanks Ted,

I appreciate your help

Thanks & regards
by Rajsx
Sat Mar 17, 2012 5:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

- I was at the Orange County Library in Downtown today, trying to book a Room for the upcoming meeting of March 29th, well I need the help from one of us who has a Orange County Library Card to book a room for us. I live in Clermont ..i.e Lake County and they say I cannot book the room. - I think so...
by Rajsx
Fri Mar 16, 2012 8:20 am
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

BETTER OFF WITH VANGUARD THAN GOLDMAN SACHS and such......, Let us discuss the current back lash on Goldman Sachs business culture on the UPCOMING MEETING, being discussed in investor circles and currently in print widely, unless we find another more interesting topic to schedule. These two write up...
by Rajsx
Thu Mar 15, 2012 10:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

So far, Yes RSVPs have come in from GDBryan, mptfan and hoosierjim are coming. Please post your RSVPs right in this thread.




Thanks and regards
by Rajsx
Thu Mar 15, 2012 4:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

NO RSVPs YET,

Common Guys, get to the website and see this
by Rajsx
Tue Mar 13, 2012 6:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

Hello Orlando Bogleheads, The up coming scheduled meeting is at 6.30 PM sharp, on March 29th, yes the last Thursday in March is 2 weeks away, I want to open the preparations of the meeting with - 1) If any of you want to discuss a particular good financial write up, which you think may be of interes...
by Rajsx
Fri Feb 17, 2012 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: At what age did you start feeling old?
Replies: 110
Views: 10984

Re: At what age did you start feeling old?

I would say just after age 50 I started feeling old, Motorcycle was a birthday present for myself and was sure I (was) ??am good at it as I used to ride while in College, had a simple fall, tibial fracture, then complicated healing, staph infections & multiple knee replacements, plastic surgery of t...
by Rajsx
Mon Feb 06, 2012 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Here's my plan for the (near) future
Replies: 4
Views: 1176

Re: Here's my plan for the (near) future

I was there 20yrs back, where you guys are now. You do not need any more pointers than what is on the whitecoatinvestor site, do book mark that site. My 2 cents, 1)Rent Condo for the 1st 2yrs in practice, till you are sure you are going to stick around that town, as close to 40 to 50% of new residen...
by Rajsx
Mon Feb 06, 2012 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: To those that have bought a house..Are you happy?
Replies: 142
Views: 13176

Re: To those that have bought a house..Are you happy?

Yes I am happy. Like the other poster said, happiness can not be measured only in monetary terms. Lots of people are happy renting a place & lots of people who own a house are also happy. In my case about 25yrs back, when I was training, married no kids, needed to move for more training, not exactly...
by Rajsx
Sat Jan 28, 2012 12:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

-Ooops, the link to above mentioned Kiplinger article is - http://www.kiplinger.com/columns/value/archive/vanguard-guaranteed-income-variable-annuity.html -Thanks Mel, for your encouragement & best wishes, yes that would be great if could make it to a meeting, giving us a chance to learn from you. -...
by Rajsx
Fri Jan 27, 2012 7:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

Thanks John,

As an aside members, this was the Kiplinger write up I had mentioned last night about Vanguard Variable Annuity.



Thanks and regards
by Rajsx
Fri Jan 27, 2012 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Do you hold your age in bonds?
Replies: 133
Views: 9428

Re: Do you hold your age in bonds?

I am 55, DW is 50. The Target AA is 45% Stocks & 55% fixed but presently is 49 St and 51% fixed. It may be the recent market surge, and secondly there is no room for fixed in the Tax advantaged accounts, apart from using Tax Exempt Inter Bond MF in the Taxable accounts. I look forward to adding some...
by Rajsx
Fri Jan 27, 2012 6:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

We had a good meeting last night at Panera Bread in downtown Orlando, we doubled the number of members from the 1st meeting, so that is good. Attendees were - rajsx, orlandoman, cava, cessna, mptfan, hudbiker, jml39, les and gdbryan. We are all at different stages in life which facilitates learning ...
by Rajsx
Wed Jan 25, 2012 6:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

Hi mptfan, members & non members, Yes the meeting is ON tomorrow. Panara Bread at Lake Eola is not that big, you will see our group/or we will see you. Tomorrow, THURSDAY, JAN 26th at 6.30 pm at - Panera Bread 227 N Eola Drive Orlando, 32806 (407) 481 1060 The Article for discussion is - http://www....
by Rajsx
Sat Jan 21, 2012 9:14 am
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

Yes Hudbiker, Welcome, please come. OPEN INVITATION to anyone in Orlando area, like - - Bogleheads - Friends of Bogleheads - Anybody who is curious about managing their own investments - "" """ wants to get out of using Traders to manage their money Let us meet on THURSDAY, JAN 26th at 6.30 pm at - ...
by Rajsx
Thu Jan 19, 2012 11:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

Thanks much Mel


Regards
by Rajsx
Wed Jan 18, 2012 2:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

Re: ORLANDO Chapter Bogleheads

http://www.bogleheads.org/wiki/Investment_risk_management This above article will be well suited for further discussions, thanks Jim for the suggestion. Let us meet on THURSDAY, JAN 26th at 6.30 pm at - Panera Bread 227 N Eola Drive Orlando, 32806 (407) 481 1060 Thanks & regards, I look forward to a...
by Rajsx
Fri Jan 13, 2012 6:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 52
Views: 7064

ORLANDO Chapter Bogleheads

Hi Friends, Let us start talking about the January end meeting, possibly Thursday Jan 26(I will confirm later) in Downtown Orlando, same time 6.30PM, stay tuned for the venue. - Please let me know, if you have any suggestions about a interesting article or write up you would like discussed. The arti...
by Rajsx
Fri Jan 06, 2012 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Frustration with TD login
Replies: 15
Views: 1436

Re: Frustration with TD login

Frustrated with TD Conversion of Paper I Bonds ???!!!! ------------------------------------------------------------------------------------------------- The following error(s) have occurred: The series does not match the serial number entered. Please correct and click Add to Cart. ------------------...
by Rajsx
Sun Jan 01, 2012 6:51 pm
Forum: Investing - Theory, News & General
Topic: 2011 Returns Thread
Replies: 137
Views: 13193

Re: 2011 Returns Thread

Personal rate of return 12/31/2011 from the Vanguard Site -( I would imagine they would include all the dividends). 1 year 1.0% 3 years 4.1% 5 years 2.2% Considering the inflation, I am behind by 1.5%. Oh well, hopefully this year will be better. My AA is 53%Bonds/47%Stocks, am slowly working toward...
by Rajsx
Thu Dec 29, 2011 8:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: New Orlando Boglehead Chapter
Replies: 28
Views: 3092

Re: NEW ORLANDO BOGLEHEAD CHAPTER

I enjoyed meeting John, Jim & another Mr & Mrs Jim yesterday evening in our introductory Orlando Chapter meeting. The summary is as follows - 1) We went over and discussed the recent article by Mr Rick Ferri, which was on the agenda 2) It was a very engaged meeting with everyone bringing their exper...
by Rajsx
Wed Dec 28, 2011 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone using MINT?
Replies: 25
Views: 3368

Re: Anyone using MINT?

I have been using Mint for about year and half. I like it, it has simplified lot of things for me, now I know exactly where the money goes. I do not use it so much for budgeting but more as tracking the expenses. Tracking really helps me budget automatically. I have nothing but good things to say ab...
by Rajsx
Wed Dec 28, 2011 3:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: New Orlando Boglehead Chapter
Replies: 28
Views: 3092

Re: NEW ORLANDO BOGLEHEAD CHAPTER

Great Idea Orlandoman, look forward to meeting you at the next meeting, keep looking in this Chapter Forum for the details about next meeting.


Tanks & regards
by Rajsx
Tue Dec 27, 2011 12:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: New Orlando Boglehead Chapter
Replies: 28
Views: 3092

Re: NEW ORLANDO BOGLEHEAD CHAPTER

Cessna210 & Cava, I look forward to meeting you tomorrow evening.

Regards
by Rajsx
Mon Dec 26, 2011 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Wisdom for a high income family
Replies: 131
Views: 17602

Re: Wisdom for a high income family

Unread postby goodenyou » Mon Dec 26, 2011 11:23 am One asset class in the asset allocation recommendations often overlooked is the asset allocation of spending. Yes, happiness derived from spending is an asset. The best advice often given is to "live below your means". That is very hard for people ...
by Rajsx
Sun Dec 25, 2011 8:17 am
Forum: Personal Consumer Issues
Topic: Take SAT exam again?
Replies: 37
Views: 3212

Re: Take SAT exam again?

Have him take it again, my son was better off retaking it & so were his friends. Do visit this site, it will give you all the info about the SAT & ACT scores & college admissions. http://www.collegeconfidential.com

Regards
by Rajsx
Sat Dec 24, 2011 1:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: New Orlando Boglehead Chapter
Replies: 28
Views: 3092

Re: Orlando Bogleheads Local Chapter

CALLING - All Orlando and Central Florida Chapter Members, would be members, boglehead friends & all well wishers and whoever is curious about Boglehead way of Investing. Please RSVP on this Forum and attend this newly forming Boglehead Chapter in Orlando & Central Florida. This Club will serve each...