Search found 185 matches

by Valdeselad
Thu Feb 24, 2011 11:34 am
Forum: Personal Finance (Not Investing)
Topic: 5/1 ARM or 30 year fixed mortgage ?
Replies: 21
Views: 4286

Re: 5/1 ARM or 30 year fixed mortgage ?

the 30-year fix is 5% the 5/1 ARM is 3.75% At the present time, I anticipate being able to pay off the entire mortgage within 5 years. However, I always worry about the unexpected. Should I go for the 3-year fix or the ARM? How old are you? How long do you expect to live at this house? 3, 5, 10, 20...
by Valdeselad
Fri Feb 04, 2011 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Commodities
Replies: 14
Views: 2184

The other one to consider is PCRIX (PIMCO Commidity Real Return Stategy). It can be bought with a minimum investment of $25k through Vanguard Brokerage with a $35 commission. I would recommend using PCRDX instead of PCRIX if you decide to go this route. Because it has higher expenses? Because it's ...
by Valdeselad
Fri Feb 04, 2011 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Commodities
Replies: 14
Views: 2184

jamacq wrote:The other one to consider is PCRIX (PIMCO Commidity Real Return Stategy). It can be bought with a minimum investment of $25k through Vanguard Brokerage with a $35 commission.
I would recommend using PCRDX instead of PCRIX if you decide to go this route.
by Valdeselad
Wed Jan 19, 2011 1:14 pm
Forum: Investing - Theory, News & General
Topic: Saving Priorities - Pay Off Mortgage B4 Buying Stocks+Bonds
Replies: 20
Views: 3096

Re: Saving Priorities - Pay Off Mortgage B4 Buying Stocks+Bo

do we agree that during the accumulation phase, a boglehead's savings priority is First: Build emergency fund Second: Pay off Mortgage Third: Invest in Tax Advantage space (401k/ira...)in accordance with ISP/AA Fourth: Invest in Taxable space and only then Fifth: Enjoy more expensive vacations and ...
by Valdeselad
Tue Nov 23, 2010 4:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Rick Ferri in HOUSTON on January 15, 2011
Replies: 46
Views: 9746

Great! January 15, 2011, at 2:00 pm it is. Everyone interested, mark you calendars: Date: Saturday, January 15, 2011 Time: 2:00 pm Location: To Be PM'ed, Houston, TX If you are planning to attend, please post in this thread, so we know what number of people we can expect. Anyone got any ideas for a...
by Valdeselad
Tue Nov 09, 2010 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Best vehicle for commodities
Replies: 6
Views: 1099

Re: Best vehicle for commodities

As part of my AA plan, I plan to start allocating 7% to commodities. Can someone suggest the best option for commodities. I do not have access to DFA funds which recently said that they will offer commodities fund (surprise!). PCRIX has been suggested on some other forums. thanks Instead of PCRIX, ...
by Valdeselad
Fri Oct 15, 2010 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Activation
Replies: 7
Views: 1560

The last credit card I received in the mail (Schwab 2% Visa) did not require activation to use (it was a replacement card). Needless to say this was surprising, but when I contacted customer service the lady told me this was common practice. I went on in some detail how this struck me as a major sec...
by Valdeselad
Tue Oct 12, 2010 4:02 pm
Forum: Investing - Theory, News & General
Topic: Paying down mortgage vs. investing in bonds?
Replies: 32
Views: 5966

2. Bonds have very low returns today but in a few years, who knows what will happen. It could return to the level back in the 80's. You're 27, that's almost 30 years for it to improve. You should use up all tax advantaged accounts now to maximize 30 years of returns. Don't get caught up in the now....
by Valdeselad
Mon Oct 11, 2010 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap Internet Service
Replies: 23
Views: 3766

On a related note, I'm considering downgrading my Comcast (download) internet speed from 15MB advertised (reality speed is between 10MB and 12MB) to 2MB. Curious if anyone has made this (or a similar) speed switch and if it has worked out well. What tasks have you been frustrated with (i.e. connect...
by Valdeselad
Mon Oct 11, 2010 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap Internet Service
Replies: 23
Views: 3766

On a related note, I'm considering downgrading my Comcast (download) internet speed from 15MB advertised (reality speed is between 10MB and 12MB) to 2MB. Curious if anyone has made this (or a similar) speed switch and if it has worked out well. What tasks have you been frustrated with (i.e. connecti...
by Valdeselad
Wed Oct 06, 2010 3:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: AUSTIN Chapter Meeting - Saturday October 30 (Was:Oct 23)
Replies: 35
Views: 6989

Does anyone have information on activity/meetings in the Houston chapter?
by Valdeselad
Tue Oct 05, 2010 4:01 pm
Forum: Investing - Theory, News & General
Topic: Losses From Following Yale's David Swensen
Replies: 51
Views: 6525

Re: Losses From Following Yale's David Swensen

Bloomberg Businessweek has article this week about the losses sustained the last few years following the investing ideas of Yale's David Swensen: Harvard and Yale, with combined endowments of more than $44 billion, are among 15 wealthy college and universities that borrowed $7.2 billiion between De...
by Valdeselad
Fri Oct 01, 2010 10:48 am
Forum: Investing - Theory, News & General
Topic: Who are the top personal finance bloggers?
Replies: 70
Views: 11780

Re: Who are the top personal finance bloggers?

I'd like to compile a list of the top personal financial bloggers that you actually read and find interesting. I'm starting my own blog (on the forthcoming www.RickFerri.com web site) and wish to know who I should be following and emulating. Thanks for all who provide links. Rick Ferri +1 for TFB A...
by Valdeselad
Mon Aug 23, 2010 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should We Move into REITs Now?
Replies: 36
Views: 6922

Opponent Process wrote:Vanguard is also coming out with an international REIT fund soon if you're interested. might be a better diversifier.
Do you have any other details on this?
by Valdeselad
Sat Aug 21, 2010 12:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total International Stock Index - No Small Caps?
Replies: 22
Views: 4943

livesoft wrote:Start your research here: http://www.altruistfa.com/emergingmktssmall%20funds.htm
livesoft - Thank you for the link, just what I was looking for
by Valdeselad
Sat Aug 21, 2010 10:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total International Stock Index - No Small Caps?
Replies: 22
Views: 4943

Does anyone have a suggestion of a fund/ETF to research that would have an increased small cap exposure to emerging economies such as Brazil, India, and China? I would like to compare that to VSS which is weighted more towards Canada, Japan, and the UK. The Emerging Market Index (VEIEX) has the coun...
by Valdeselad
Fri Aug 20, 2010 11:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total International Stock Index - No Small Caps?
Replies: 22
Views: 4943

Thanks everyone for the responses and insights. In the end, it is confusing because the Total Stock Market Index (VTSMX) does include mid and small cap stocks and I take this into account as I am contributing to other mid and small cap focused funds in my portfolio. Even looking at the Vanguard page...
by Valdeselad
Thu Aug 19, 2010 6:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total International Stock Index - No Small Caps?
Replies: 22
Views: 4943

Vanguard Total International Stock Index - No Small Caps?

I'm considering investing in the Vanguard FTSE All-World ex-US Small-Cap ETF (VSS) to increase my international small cap exposure. Currently, most of my international equity exposure is in the Total International Stock Index Fund (VGTSX). Thus, I was going to adjust my forward international equity ...
by Valdeselad
Tue Aug 10, 2010 10:03 am
Forum: Personal Consumer Issues
Topic: Golf Courses around Vegas
Replies: 9
Views: 1636

Re: Golf Courses around Vegas

Heading to Vegas with some friends in about a month and would like to play 2-3 rounds of golf while we are there. Looking for some suggestions of places to play or if anybody knows how to get a good deal. We will have a car so transportation not a problem. Thanks in advance for the help. We have pl...
by Valdeselad
Mon Aug 09, 2010 1:27 pm
Forum: Personal Consumer Issues
Topic: Golf Courses around Vegas
Replies: 9
Views: 1636

Golf Courses around Vegas

Heading to Vegas with some friends in about a month and would like to play 2-3 rounds of golf while we are there. Looking for some suggestions of places to play or if anybody knows how to get a good deal. We will have a car so transportation not a problem.

Thanks in advance for the help.
by Valdeselad
Fri Aug 06, 2010 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Second tier emergency fund options
Replies: 11
Views: 4209

I was searching the old threads that touch on this subject (there are a lot of them!) and I finally found the one that really answered the question for me. A special thank you to livesoft and Taylor for their contributions to that thread...very helpful. http://www.bogleheads.org/forum/viewtopic.php?...
by Valdeselad
Fri Aug 06, 2010 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Second tier emergency fund options
Replies: 11
Views: 4209

Hello All, I'm trying to decide where to place our second tier emergency fund money. Currently, our emergency fund is 1 year of expenses. The first 6 months I am happy with in my local credit union money market account earning 1.5%. The second 6 months is what I consider our second tier. It is very...
by Valdeselad
Wed Jul 21, 2010 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Any benefit to paying mortgage on certain day of the month?
Replies: 9
Views: 1968

new2bogle wrote:
Are you able to set up automatic monthly payments?
You can set up an automatic payment plan with BOA, you just have to call instead of doing it on the web. They have disabled this feature online for some reason.
by Valdeselad
Sat May 29, 2010 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Pros and Cons of paying off mortgage..
Replies: 207
Views: 39690

I believe paying off the loan is sound financial advice. Staying in debt and trusting that you make money is somewhat a gamble. Bogleheads don't gamble, and would go for the known return. According to your logic, why invest in equities at all? Might as well just stick your cash in a money market fu...
by Valdeselad
Tue May 25, 2010 2:38 pm
Forum: Investing - Theory, News & General
Topic: International Index Performance - Vanguard ETF vs. Reality
Replies: 2
Views: 821

International Index Performance - Vanguard ETF vs. Reality

I get confused at the performance of the Vanguard International ETF's versus how the actual international indexes closed for the day. For example, if I go to the Bloomberg summary page, it appears at a high level that the Europe and Pacific markets fell generally between 2 and 3%, and have now been ...
by Valdeselad
Mon May 24, 2010 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Why Average Investors Earn Below Average Market Returns
Replies: 66
Views: 9541

this is also why more PF instruction in high schools would be largely ineffective. it's not enough to simply tell people to make more intelligent choices in life. people roll through life adhering to what they value , and most people don't value logic-based decision making. no amount of logical bro...
by Valdeselad
Fri May 21, 2010 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Which mortgage lender is best?
Replies: 45
Views: 14968

Have used National Mortgage Alliance twice and am very pleased overall....I would not hesitate to recommend them.
by Valdeselad
Wed May 19, 2010 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pros and Cons of paying off mortgage..
Replies: 207
Views: 39690

Debt, schmebt. If I have a $200K mortgage at 5% and $200K in the bank in a CD paying 5%, then I sleep extremely well knowing that I have lots more flexibility than someone who has just cashed in a $200K CD to pay off a $200K mortgage. There are reasons to pay off a mortgage, but peace of mind is no...
by Valdeselad
Mon May 17, 2010 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Current Mortgage Interest Rates
Replies: 22
Views: 4862

Just quoting a rate is very misleading. You need to compare rates with all fees and points being held equal. Spend some time at mortgageprofessor.com. Also, run the numbers at Amerisave to get an idea what I'm talking about. On a $100K mortgage for a $125K house, you can get 30 year fixed mortgage ...
by Valdeselad
Thu May 13, 2010 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International Stock Index Fund (VGTSX)
Replies: 12
Views: 5161

I think VGTSX is a great fund, and I've held it in a taxable account for several years. But I question how tax efficient it really is. There is little to no turnover which is great, but the fund does pay a 2-2.5% dividend (depending on the year) which is on the high end of a Vanguard stock mutual fu...
by Valdeselad
Thu May 13, 2010 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: What Status with Vanguard are you?
Replies: 53
Views: 10236

Yet another way to clandestinely get users' net worth?? :shock: I don't think status necessarily has much correlation to net worth. There are likely folks that have 401k/other retirement plans that aren't administered by Vanguard and therefore don't count towards status. Also, some folks might have...
by Valdeselad
Thu May 13, 2010 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Poll: What Status with Vanguard are you?
Replies: 53
Views: 10236

asset_chaos wrote:What you really want (or what I think would be more interesting) is the distribution of "status" as a function of age. I suspect a lot of the flagship folk have been saving and investing for two or three decades at least.
Completely agree with you.
by Valdeselad
Wed May 12, 2010 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: What Status with Vanguard are you?
Replies: 53
Views: 10236

Poll: What Status with Vanguard are you?

I'm interested to see what the distribution is.
by Valdeselad
Mon May 03, 2010 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: When do you have enough to pay off a mortgage?
Replies: 50
Views: 9012

Pay off the damn mortgage and be done with it. End of story. Move on to other matters. There's no sense in paying some banker your hard-earned cash. I don't care how you slice it. Pretty bad blanket advice to be giving IMHO. You may not be fond of 'bankers' in general, but without that loan you nev...
by Valdeselad
Mon Apr 26, 2010 1:46 pm
Forum: Investing - Theory, News & General
Topic: Percentage of REITs in Vanguard Funds
Replies: 18
Views: 4781

First time poster, long time reader...

Does anybody have a idea to the amount of REIT's present in some of the international indexes (particularly VGTSX)?

Thanks for any help.