Search found 749 matches

by Van
Fri Feb 25, 2011 4:12 pm
Forum: Personal Consumer Issues
Topic: Braun razor leading to poverty
Replies: 26
Views: 12173

My cleaning cartridges last for a long time (many weeks). I don't bother to keep track of how long they last. The key is to plug in the cleaner, and put your razor in it, only once a week. I do it on Sundays. I love the Braun razor, and there is no reason to clean it daily. You can loosen the scree...
by Van
Fri Feb 25, 2011 6:32 am
Forum: Personal Consumer Issues
Topic: Braun razor leading to poverty
Replies: 26
Views: 12173

Thanks for asking Michael. For $25 it's a nice razor. However, the Braun gives me a closer shave in slightly less time. So, given the smaller size and lighter weight of the Panasonic, it will become my travel razor. The Panasonic is definitely a great value buy. For some people with skin and beard c...
by Van
Sat Feb 19, 2011 4:53 pm
Forum: Investing - Theory, News & General
Topic: Are there any non-practicing Bogleheads out there?
Replies: 17
Views: 2350

I have trouble bringing myself to REBALANCE which I gather is a requisite for being anointed a true Boglehead. (How convincing are the data that it really works?)

Also, for a complete confession, I must admit to owning an actively managed fund, Wellesley Income.
by Van
Thu Feb 17, 2011 1:57 pm
Forum: Personal Consumer Issues
Topic: Braun razor leading to poverty
Replies: 26
Views: 12173

Thanks everyone for your input. I took Michael's advice and ordered the Panasonic razor from Amazon for just under $26. That's about 1/3 of what I've been paying for Braun cleaning cartridges per year. If I like the new razor, I'll come out way ahead. As you might imagine, it's really not about the ...
by Van
Thu Feb 17, 2011 6:54 am
Forum: Personal Consumer Issues
Topic: Braun razor leading to poverty
Replies: 26
Views: 12173

I have a shaver for you. I've owned Braun, Norelco, Shick, Remington and other electric shavers. About 12 years ago, I stumbled onto a very inexpensive Panasonic Wet-Dry shaver that is the best I have ever used. It's very low maintenance and gives me the closest shave I have ever gotten. I tried bu...
by Van
Wed Feb 16, 2011 6:03 pm
Forum: Personal Consumer Issues
Topic: Braun razor leading to poverty
Replies: 26
Views: 12173

Yea, I've recognized and appreciated the brilliance of the Gillette model since I was a teenager buying the old blue blades.

It's that model, being practiced by Braun, that I'm trying to defeat.
by Van
Wed Feb 16, 2011 2:15 pm
Forum: Investing - Theory, News & General
Topic: Do You Like Vanguard Wellesley Income Fund?
Replies: 29
Views: 10258

Thanks to everyone who has responded to this post so far. Most of you like the fund a lot, and, for some of you, it is a very big part of your retirement AA. Jay800 has been trying to find the long-term (10 years or more) capital gains distribution history for Wellesley Income Fund. Sorry, I looked,...
by Van
Wed Feb 16, 2011 10:49 am
Forum: Personal Consumer Issues
Topic: Braun razor leading to poverty
Replies: 26
Views: 12173

Braun razor leading to poverty

I like my Braun electric razor, but I'm going broke buying the clean and renew cartridges. They are quite expensive and only last a few weeks. Anyone out there have a solution? I've considered dumping out the dirty stuff in the cartridge and replacing it with some isopropyl alcohol + water, but, of ...
by Van
Wed Feb 16, 2011 7:41 am
Forum: Investing - Theory, News & General
Topic: Do You Like Vanguard Wellesley Income Fund?
Replies: 29
Views: 10258

Thanks Jay800.

3.7% is better than much of what I hold, but you make a good point. It is not stellar.

We would be reinvesting for 5 or more years before starting to spend any of the interest.
by Van
Tue Feb 15, 2011 8:06 pm
Forum: Investing - Theory, News & General
Topic: Do You Like Vanguard Wellesley Income Fund?
Replies: 29
Views: 10258

Thanks MajorMajor78 and Livesoft. Yes, by MajorMajor78's definition, I'm extremely fortunate to be "golden". So I'm not particularly worried about inflation. As for Livesoft's suggestion to keep the CDs and bonds I already have and just add some large value stocks to mimic Wellesley, I would trust t...
by Van
Tue Feb 15, 2011 5:53 pm
Forum: Investing - Theory, News & General
Topic: Do You Like Vanguard Wellesley Income Fund?
Replies: 29
Views: 10258

Thanks Chuck. I have a very conservative portfolio, and I want to keep it that way. Adding Wellesley would add a bit more stock to the mix. Cash................5% Stock..............10% (1/2 domestic & 1/2 international) Muni Bonds......20% CDs.................25% TIPS................20% Total Bond....
by Van
Tue Feb 15, 2011 5:04 pm
Forum: Investing - Theory, News & General
Topic: Do You Like Vanguard Wellesley Income Fund?
Replies: 29
Views: 10258

Do You Like Vanguard Wellesley Income Fund?

My wife and I are both retired, and we are considering adding VWIAX to our investment portfolio. We're looking for some current income along with some potential for growth over the next 20 years or so.

Do you like this fund for our purposes? If not, why not?

Thanks.
by Van
Mon Feb 14, 2011 2:32 pm
Forum: Personal Consumer Issues
Topic: iMac - to switch or not ???
Replies: 113
Views: 10746

Switch.

Went from PC to MacBookPro in July 2010.....absolutely no regrets.
by Van
Sun Feb 13, 2011 8:06 am
Forum: Personal Consumer Issues
Topic: HP printer - ink cartridge replacement
Replies: 33
Views: 7353

Like "soaring" (earlier post), I've had good luck with 4inkjets.
by Van
Fri Feb 11, 2011 11:50 am
Forum: Personal Investments
Topic: What was your first fund that you brought
Replies: 92
Views: 9260

Mutual Shares. A really good fund until the founder sold out......
by Van
Wed Feb 09, 2011 11:09 am
Forum: Personal Consumer Issues
Topic: How many credit card solicitations per week?
Replies: 49
Views: 4761

One of the side benefits of placing a freeze on your credit reports is no more credit card solicitations. Be sure and do all 3 credit agencies.
by Van
Tue Feb 08, 2011 5:39 pm
Forum: Investing - Theory, News & General
Topic: TIPS Allocation ala Mr. Otar
Replies: 60
Views: 7365

I'm in the "decumulation" phase of investing, and I have a 20% portfolio allocation to TIPS because: (1) diversification value and (2) I have absolutely no idea what is going to happen in the future re inflation.

Obviously, I'm not nearly as analytical as many that post here.
by Van
Wed Jan 26, 2011 5:24 pm
Forum: Personal Investments
Topic: How can I convince my parents to avoid a money manager?
Replies: 29
Views: 3552

I hope you get some useful help with this issue. I have the same "problem" with my wife who insists on using someone else to manage her retirement funds. She also had no interest in reading the Bogleheads investment guide.

It's 1% (or more) down the drain for, at best, a mediocre return.
by Van
Sat Jan 22, 2011 9:30 am
Forum: Investing - Theory, News & General
Topic: What's the outlook for munis? Any specific guesses?
Replies: 57
Views: 9954

Thanks Larry. I thought that would be the case. However, in reading some of the recent articles on how one might navigate the possible perils upcoming in the muni bond market, I don't recall anyone recommending moving into a shorter duration fund as a way to mitigate the credit risk.
by Van
Sat Jan 22, 2011 7:28 am
Forum: Investing - Theory, News & General
Topic: What's the outlook for munis? Any specific guesses?
Replies: 57
Views: 9954

Here comes a simple question from a neophyte in the muni bond arena: Does a shorter duration bond fund have a lesser risk of defaults than longer duration bond fund? Let's assume that the % of AAA, AA, A....etc. rated bonds are the same in the 2 funds.
by Van
Mon Jan 17, 2011 9:50 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to Mt Hood (Oregon)
Replies: 15
Views: 1845

Unexpected killer storms.
by Van
Mon Jan 17, 2011 9:30 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to Mt Hood (Oregon)
Replies: 15
Views: 1845

Be careful.
by Van
Fri Jan 07, 2011 8:07 am
Forum: Investing - Theory, News & General
Topic: Who really owns and controls Vanguard?
Replies: 58
Views: 25608

Great question.

It would be interesting to hear from Mr. Bogle on this one. Does he ever post on this forum?
by Van
Sun Jan 02, 2011 7:05 am
Forum: Investing - Theory, News & General
Topic: 2011 BOGLEHEAD CONTEST REGISTRATION
Replies: 374
Views: 38784

1131.88
by Van
Thu Dec 30, 2010 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, help! So lost about career, life
Replies: 48
Views: 6908

Since you expressed a strong interest in investing, think about becoming a certified financial adviser/planner. Your law degree should be helpful.
by Van
Wed Dec 29, 2010 6:30 pm
Forum: Personal Consumer Issues
Topic: Anybody ever been to Scotland?
Replies: 28
Views: 2896

I spent a week in Aberdeen several years ago. If you decide to go there, be sure and go down to the harbor where the fishing boats come in. You will not be able to understand one word that is spoken. :D
by Van
Wed Dec 29, 2010 5:28 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 384865

Obama's Wars by Bob Woodward
by Van
Tue Dec 14, 2010 2:14 pm
Forum: Personal Investments
Topic: Buying Cds via vanguard IRA
Replies: 4
Views: 927

1. Log in to your Vanguard Account
2. Click on Buy & Sell
3. Under Vanguard Brokerage Services: click on View and trade bonds or CDs
4. Under Custom searches: click on CDs Secondary
5. Simple Search will appear: type Ally into the Issue/Name box
6. Click Find CDs at the bottom
by Van
Wed Dec 08, 2010 4:44 pm
Forum: Personal Investments
Topic: Go All In or Dollar Cost Average into these Bond Funds???
Replies: 18
Views: 2687

Re: well said

To answer the OP, if your time horizon is longer than the duration of the fund, then just go all in. If you're really nervous, you can do half now and half later. If you're really really nervous, you can just get CD's where you know the exact maturity date. Steve PS Remember, bonds have a cash flow...
by Van
Wed Dec 08, 2010 3:53 pm
Forum: Personal Investments
Topic: Go All In or Dollar Cost Average into these Bond Funds???
Replies: 18
Views: 2687

Re: well said

Taylor said: Hi Bogleheads: It is strange how we worry so much about bonds (TBM's worst annual loss was -2.66%) and we accept the many times greater volatility of stocks. Confused Hooray! I totally agree! To answer the OP, if your time horizon is longer than the duration of the fund, then just go a...
by Van
Wed Dec 08, 2010 12:03 pm
Forum: Personal Investments
Topic: Go All In or Dollar Cost Average into these Bond Funds???
Replies: 18
Views: 2687

Re: Lump sum now or not ?

Hi Van: Taylor, I'd be very interested in your opinion on all in vs. DCA. Unless something very unforseen occurs, I plan to leave the money invested beyond the duration of each bond fund. Personally, I would lump sum in. However, if you are going to worry about it, put half in now and half in a yea...
by Van
Wed Dec 08, 2010 11:05 am
Forum: Personal Investments
Topic: Go All In or Dollar Cost Average into these Bond Funds???
Replies: 18
Views: 2687

Gus Sauter, Vanguard's Investment Chief, has a November 22, 2010 article on bonds that might be of interest to you: https://personal.vanguard.com/us/insights/article/sauter-cautions-investors-11222010 Thanks for pointing out this article. It was helpful in general, but I'm still not certain whether...
by Van
Wed Dec 08, 2010 10:58 am
Forum: Personal Investments
Topic: Go All In or Dollar Cost Average into these Bond Funds???
Replies: 18
Views: 2687

Re: Bond vs. stock volatility

Hi Bogleheads: It is strange how we worry so much about bonds (TBM's worst annual loss was -2.66% ) and we accept the many times greater volatility of stocks. :? Taylor, I'd be very interested in your opinion on all in vs. DCA. Unless something very unforseen occurs, I plan to leave the money inves...
by Van
Wed Dec 08, 2010 10:10 am
Forum: Personal Investments
Topic: Go All In or Dollar Cost Average into these Bond Funds???
Replies: 18
Views: 2687

Thanks RadAudit.

I agree, it's hard not to make bad decisions when you watch your $$ disappear. If I knew for sure that the Vanguard and Schwab arguments are correct, I think I would be able to stay the course.

Van
by Van
Wed Dec 08, 2010 7:59 am
Forum: Personal Investments
Topic: Go All In or Dollar Cost Average into these Bond Funds???
Replies: 18
Views: 2687

Go All In or Dollar Cost Average into these Bond Funds???

I plan to invest over $1 million divided into Vanguard Short-Term (20%), Limited-Term (50%) and Intermediate-Term (30%) Municipal Bond Funds. With interest rates at historical lows, it stands to reason that at some point rates will make a significant move upward. This will, of course, result in a si...
by Van
Fri Dec 03, 2010 5:13 pm
Forum: Investing - Theory, News & General
Topic: Taylor's Tax Tips
Replies: 20
Views: 4716

What is "under-withholding"?
by Van
Tue Nov 30, 2010 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Fall from affluence comes swift and hard
Replies: 13
Views: 3320

I think the horses played a much bigger role in the free fall of this family than was divulged in the article.

Van

Ps. My wife has horses.
by Van
Wed Nov 24, 2010 5:03 pm
Forum: Investing - Theory, News & General
Topic: Deleted
Replies: 98
Views: 11964

Stock: 10% (5% US/5% international) Bonds: 85% . 25% CDs (5 year ladder) . 15% TIPS Fund . 10% Short-Term Municipal Fund . 20% Limited-Term Municipal Fund . 15% Intermediate-Term Municipal Fund Cash: 5% (Tax-Exempt Money Market) The above is what I'm shooting for---have not reached that allocation y...
by Van
Sun Nov 21, 2010 7:13 am
Forum: Personal Finance (Not Investing)
Topic: birthday freebies... would you take a Denny's grand slam???
Replies: 47
Views: 7134

It's not so much what you eat as how much.

Eat whatever you want, but keep the portion size in check!
by Van
Thu Nov 18, 2010 9:37 pm
Forum: Personal Investments
Topic: CDs Instead of Bonds??
Replies: 42
Views: 6222

You get back your principal--no interest. I've been through this a couple of times in the last several months with CDs purchased through Vanguard Brokerage.
by Van
Wed Nov 17, 2010 7:29 pm
Forum: Personal Investments
Topic: Munis in the toilet
Replies: 20
Views: 3640

Munis in the toilet

What's going on recently with my municipal bond funds at Vanguard? Down, down, down.
by Van
Sat Nov 13, 2010 5:00 pm
Forum: Investing - Theory, News & General
Topic: Dollar cost averaging and boiling frogs
Replies: 74
Views: 7251

Dollar Cost Averaging and Boiling Frogs

Most, if not all, of the discussion related to this topic has been about DCA into stocks. What about bond funds? Do the same arguments apply or are there differences? Say you have just come into a large windfall, and so you need to put a large amount of $ into bond funds to achieve your desired AA. ...
by Van
Mon Nov 08, 2010 8:34 am
Forum: Personal Investments
Topic: What would you do?
Replies: 9
Views: 2054

All in right away seems risky with regard to fund value going down as interest rates rise. I believe I've read that this is ok IF you plan to reinvest dividends, i.e. it works out in the long run because you are reinvesting the dividends at higher and higher interest rates. But what if you need the ...
by Van
Sun Nov 07, 2010 3:13 pm
Forum: Personal Investments
Topic: What would you do?
Replies: 9
Views: 2054

What would you do?

If you had a large amount of $$$ to invest that you had allocated to bond funds, would you 1. Leave the money in a money market account and wait for interest rates to go up, 2. Go all in right away or 3. Dollar cost average into the funds over the next few years????
by Van
Sat Nov 06, 2010 7:17 pm
Forum: Personal Consumer Issues
Topic: Long-Term Automatic Exchange Into Bonds: Is This A Bad Idea?
Replies: 7
Views: 1601

I'll be 69 in December. That's part of the reason I've decided to go from 30% in stocks and 70% in bonds to 10% stocks and 90% bonds---I realize this is more conservative than what most Bogleheads recommend. It's what I'm comfortable with.
by Van
Sat Nov 06, 2010 9:14 am
Forum: Personal Consumer Issues
Topic: Long-Term Automatic Exchange Into Bonds: Is This A Bad Idea?
Replies: 7
Views: 1601

Ps. The alternatives would be to (1) leave the money in a money market account until interest rates increase and then go into bonds or (2) put all of the money into the funds now rather than over 5 years. Do you favor the automatic exchange, leaving in a MMA or all in???
by Van
Sat Nov 06, 2010 8:56 am
Forum: Personal Consumer Issues
Topic: Long-Term Automatic Exchange Into Bonds: Is This A Bad Idea?
Replies: 7
Views: 1601

Long-Term Automatic Exchange Into Bonds: Is This A Bad Idea?

I recently sold a bunch of stock. To reinvest the funds I have setup automatic exchanges that are semiannual (Jan & July) and begin in 2011 and go through 2015 (5 years total). The exchanges are into Vanguard TIPS, Limited-Term Tax Exempt and Intermediate-Term Tax Exempt. Given the extremely low int...
by Van
Wed Oct 27, 2010 10:33 am
Forum: Personal Investments
Topic: iShares Maturity Date Municipal Bond ETF
Replies: 4
Views: 1607

Thanks Sidney.

The ER is 0.3%.
by Van
Wed Oct 27, 2010 9:52 am
Forum: Personal Investments
Topic: iShares Maturity Date Municipal Bond ETF
Replies: 4
Views: 1607

iShares Maturity Date Municipal Bond ETF

This is my first post, so please be gentle with me. I'm about to create a ladder by investing in several of these funds [MUAA, MUAB, MUAC......F). I believe that iShares has a good reputation, and these funds seem to have it all (diversity and an end date). However, I cannot find much info online ei...