Search found 156 matches

by InvestoGuy
Tue Sep 04, 2012 1:37 pm
Forum: Personal Consumer Issues
Topic: Info on Rotary Club
Replies: 6
Views: 1033

Info on Rotary Club

A friend of mine recently invited me to join the local chapter of the Rotary club. I was wondering if there are any Rotarian bogleheads and how their experience has been and if they would recommend it?
Any thoughts / tips on this.
Thanks.
by InvestoGuy
Mon Jul 30, 2012 6:02 pm
Forum: Personal Consumer Issues
Topic: Quotable Quotes from Bogleheads
Replies: 5
Views: 838

Quotable Quotes from Bogleheads

[Edited to add Nisiprius's quote. My apologies, how could I forget one of the most prolific posters]. Folks: Over the past few months I have collected some interesting signature quotes from our forums. Below is my collection. Please feel free to add to it (if it is part of a Boglehead signature). Th...
by InvestoGuy
Sat Jul 28, 2012 6:12 am
Forum: Personal Consumer Issues
Topic: Bought First iPad - Not sure if we like it
Replies: 104
Views: 10469

Re: Bought First iPad - Not sure if we like it

If you like Windows, you should have waited for Surface or a Windows 8 based slate.
by InvestoGuy
Wed Jun 20, 2012 10:10 am
Forum: Investing - Theory, News & General
Topic: Forbes Article on '6 Reasons Why I Don't Invest In The U.S.'
Replies: 12
Views: 1607

Forbes Article on '6 Reasons Why I Don't Invest In The U.S.'

Folks: Just saw this arcticle on Forbes on '6 Reasons Why I Don't Invest In The U.S. Stock Market': m The author Auren Hoffman sites 6 reasons on why one should not be in the US Stock market. He sites supply and demand as one of the main pivot points stating that as people start or come closer to re...
by InvestoGuy
Wed May 23, 2012 9:55 pm
Forum: Personal Consumer Issues
Topic: 50 things to do before the Sun goes down
Replies: 32
Views: 4989

Re: 50 things to do before the Sun goes down

Impact someones life positively.
by InvestoGuy
Wed May 23, 2012 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: House is paid off!!!
Replies: 48
Views: 4808

Re: House is paid off!!!

Fantastic achievement. I recently reduced my 30 yr to a 15 yr and got about 13 more years left on it. I just can't wait for that day to arrive for me. Hope it does soon. Good luck.
by InvestoGuy
Mon Apr 30, 2012 1:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Pittsburgh PA Chapters?
Replies: 15
Views: 2490

Re: Pittsburgh PA Chapters?

Mel: Any chance you can help us get a Omaha, NE chapter going? Regards. Sure. Just start a new thread on this sub-forum with the heading "Interested in an Omaha NE Local Chapter?" or simply "Omaha NE Local Chapter?" and see what happens. If you get five or more Bogleheads who wa...
by InvestoGuy
Mon Apr 30, 2012 1:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Interested in an Omaha NE Local Chapter
Replies: 4
Views: 2091

Interested in an Omaha NE Local Chapter

Anyone around the Omaha / Lincoln NE area interested in starting a local chapter?
Thanks.
by InvestoGuy
Sun Apr 29, 2012 9:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Pittsburgh PA Chapters?
Replies: 15
Views: 2490

Re: Pittsburgh PA Chapters?

Mel:
Any chance you can help us get a Omaha, NE chapter going?
Regards.
by InvestoGuy
Sun Apr 29, 2012 4:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Eastern Nebraska / Omaha Chapter
Replies: 0
Views: 488

Eastern Nebraska / Omaha Chapter

Folks:
Is there an Eastern NE / Omaha Chapter? Anyone interested in starting one?
Regards.
by InvestoGuy
Sun Apr 29, 2012 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: 3-5 year investment
Replies: 19
Views: 3090

Re: 3-5 year investment

I was in a very similar situation and this is how I divvied it up: 1. I-Bonds: $10,000 2. CD: $20,000 (best rate you can find) 3. Vanguard Short / Limited Term Tax Exempt Bond Fund: $20,000 Depending on how you feel about the VG Bonds, you could lower or increase your contribution to it and the CD a...
by InvestoGuy
Thu Apr 19, 2012 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: VMSXX and Expense Ratio. Please help me understand
Replies: 3
Views: 441

Re: VMSXX and Expense Ratio. Please help me understand

Thanks everyone. I much appreciate your input.
by InvestoGuy
Thu Apr 19, 2012 11:47 am
Forum: Investing - Help with Personal Investments
Topic: VMSXX and Expense Ratio. Please help me understand
Replies: 3
Views: 441

VMSXX and Expense Ratio. Please help me understand

Folks: I was consdering the Vanguard Tax-Exempt Money Market Fund (VMSXX) for a short term stable investnemt. I have a question on the expense ration and the net yield. Per Vanguard, the EE is 0.17% and the SEC Yield is 0.09%. So does it mean my NET Yield is: -0.08% Will I slowly lose Captial due to...
by InvestoGuy
Mon Jan 09, 2012 11:53 am
Forum: Investing - Theory, News & General
Topic: I-Bonds purchase limit restored to $10K
Replies: 2
Views: 832

I-Bonds purchase limit restored to $10K

The Treasury Department announced today that it has raised the online purchase limit on U.S. savings bonds to $10,000 in Series I bonds and $10,000 in Series EE bonds per Social Security number. The move effectively restores the maximum amount of bonds that was in effect before the government stoppe...
by InvestoGuy
Fri Jan 06, 2012 3:57 pm
Forum: Personal Consumer Issues
Topic: How to stop a puppy from biting and nibbling
Replies: 25
Views: 2397

How to stop a puppy from biting and nibbling

Folks: We got a cute little Maltese puppy about 4 months ago. He went through the puppy training and I have trained him a bit to do little tricks. Overall, he is very well behaved. Howwver, he has developed this very annoying habit of constantly biting (playfully) and nibbling my youngest son and so...
by InvestoGuy
Sun Jan 01, 2012 11:55 am
Forum: Investing - Theory, News & General
Topic: 2011 Index Performance
Replies: 1
Views: 478

2011 Index Performance

Folks:
I am trying to look for a website that shows the 2011 performance for all market indexes (US and Intl). Anyone got a link for me?
Thanks.
by InvestoGuy
Thu Oct 27, 2011 9:33 am
Forum: Personal Consumer Issues
Topic: Ideas on innovative topics to present at a conference
Replies: 2
Views: 288

Ideas on innovative topics to present at a conference

Hello: I work for a hi-tech company and we are having an internal conference. Can you folks suggest me a few cool and innovative topic(s) to present for about 15 minutes along the following guidelines: 1. Should be technology related in the data analysis or database field 2. Should be a new or curre...
by InvestoGuy
Sat Oct 22, 2011 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Smart phone..iPhone, Blackberry or Driod?
Replies: 17
Views: 1781

Re: Smart phone..iPhone, Blackberry or Driod?

I recently got a Windows Phone and simply love it. You may want to check that out as well. I think the interface is much better than the iPhone and Android. The overall OS is very smooth as well.
by InvestoGuy
Tue Aug 30, 2011 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Please recommend a CD or a safe Bond Fund
Replies: 5
Views: 1369

Please recommend a CD or a safe Bond Fund

Hello; I need to invest about $10K in my taxable account. I need to preserve capital for this, since I need the money back in 3-5 years. Hence a CD or a Bond fund type of investment. I have already maxed out $20K I-Bonds for 2011. I looked at Ally Bank CD. It only yields about 1.2 to 1.4%. I was loo...
by InvestoGuy
Sun Aug 28, 2011 6:39 pm
Forum: Investing - Theory, News & General
Topic: What does it take to be a Financial Advisor
Replies: 2
Views: 539

What does it take to be a Financial Advisor

Hello Folks: I have been a Boglehead for a few years now and a total believer in this philosophy. I am seriously considering being a professional in this area. Can you please help me with the following: 1. What is the minimum regulatory requirement to call yourself a financial advisor? 2. Is the CFP...
by InvestoGuy
Fri Aug 26, 2011 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Basic Guidance for a Beginning Investor
Replies: 7
Views: 1284

Lazy Portfolios

Hello, In addition to the advise others have given, I would like to add just a couple of things: 1. Save as much as you can. 2. If you need help with transferring funds from other accounts, you can call Vanguard Conceirge services. Very helpful folks. 3. Also, for your own knowledge, check out the l...
by InvestoGuy
Wed Aug 24, 2011 9:20 am
Forum: Personal Consumer Issues
Topic: HD TV/Electrical Experts...Need Help
Replies: 13
Views: 1556

You can try to see if the Surge Protector company has some sort of warranty and if they will be willing to compensate you for the TV. Some times they do.
My utility company sells / rents surge protectors and they provide a warranty for replacement of equipment damaged.
by InvestoGuy
Wed Aug 24, 2011 8:59 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 373614

I am reading The Drunkard's Walk: How Randomness Rules Our Lives by
Leonard Mlodinow. Fun read. Shows how we interpret statistics (mostly incorrectly) and how it affects our lives.
by InvestoGuy
Tue Aug 23, 2011 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: How to Secure paper I-Bonds
Replies: 16
Views: 2043

How to Secure paper I-Bonds

I recently got my paper I-Bonds in the mail. We eventually plan to keep those in a bank safe deposit box. Other than what, what do I need to do from a security perspective: 1. Is it ok to photo copy them, so I have all the releavant information? 2. Do I need to write down the serial numbers? 3. Anyt...
by InvestoGuy
Mon Aug 22, 2011 10:38 am
Forum: Personal Consumer Issues
Topic: Finances and Relationships
Replies: 68
Views: 9936

I strongly beleive that philosophyically you both need to be on the same plane. As long as she understands that paying off the loan is going to be number 1 priority and believes in your philosophy when it comes to savings and investments, you are ok. If she insists on buying the BMW 5 series (brand ...
by InvestoGuy
Sun Aug 07, 2011 9:14 am
Forum: Personal Consumer Issues
Topic: We finally got a puppy
Replies: 10
Views: 1375

No, I didn't mean it is anti-boglehead, all I am saying is I loosened up a bit and agreed for another $100-$120 extra expenses per month, to watch that smile on my kids faces and the excitement in the house. Apologies if my comment was construed as 'bogleheads are anti-puppies'. I did'nt mean it tha...
by InvestoGuy
Sun Aug 07, 2011 8:59 am
Forum: Personal Consumer Issues
Topic: Samsung Galaxy S2 Cell Phone or another Adroid Smart phone
Replies: 9
Views: 1717

Windows Phone

Have you considered a Windows Phone. I got one a few weeks ago and very happy with it.
by InvestoGuy
Sun Aug 07, 2011 8:57 am
Forum: Personal Consumer Issues
Topic: How to train a puppy
Replies: 31
Views: 2901

How to train a puppy

Folks: We got a 9 week Maltese male pup. The potty training has started. It is going ok. I am looking for helpful advice and tips on potty training a dog and general training as well. We would like to achieve the following: 1. Fully potty train him 2. Train him not to go on the second level of the h...
by InvestoGuy
Sun Aug 07, 2011 8:53 am
Forum: Personal Consumer Issues
Topic: We finally got a puppy
Replies: 10
Views: 1375

We finally got a puppy

I am a boglehead and abide strictly to the belief of controlling expenses and living well under your means. I was a little reluctant to get a puppy for the kids as that meant about $100 - $120 expenses per month. Well, we finally got one. And all I have to say is sometimes bogleheads have to loosen ...
by InvestoGuy
Mon Jul 25, 2011 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Real Implication of interest rate increase on bond funds
Replies: 9
Views: 1668

Thanks nisiprius for your explanation. Great writeup. Appreciate it.
by InvestoGuy
Sun Jul 24, 2011 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Real Implication of interest rate increase on bond funds
Replies: 9
Views: 1668

Real Implication of interest rate increase on bond funds

Folks: Trolling on this forum the last few months I am getting a sense that many folks here believe that bond funds may potentially lose principal if the interest rates go up. Having said that, please help me understand the real implications of a interest rate increase on the short term and medium t...
by InvestoGuy
Sun Jul 24, 2011 1:49 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation
Replies: 7
Views: 1126

I would add about 20% or so in bonds instead of the treasury, assuming you have a separate emergency fund. Age or Age - 10 in bonds. Why are you leaving bonds out?.
by InvestoGuy
Fri Jul 22, 2011 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: UGMA or UTMA Account for my 12 yr old
Replies: 9
Views: 1279

The problem with making it an IRA is the withdrawal age. I would like the flexibility for a much early withdrawl.
by InvestoGuy
Fri Jul 22, 2011 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: UGMA or UTMA Account for my 12 yr old
Replies: 9
Views: 1279

UGMA or UTMA Account for my 12 yr old

Hello Folks: My 12 yr old recently started baby sitting. I gave her a deal that every penny she earns will be matched with equal funds from me under the condition that they get invested at Vanguard. I called Vanguard and they recommended a UGMA / UTMA account for her. My estimate is about $1200 per ...
by InvestoGuy
Sun Jun 26, 2011 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Why I would like to own a foreign bond fund
Replies: 43
Views: 3992

InvestoGuy, as carefully as you can, and with as little reference to ideology as possible... why, exactly do you think you need currency diversification? Fair question and a good one. I think the real questions I should be asking the experts on this forum are: 1. With mounting deficits, possible in...
by InvestoGuy
Sun Jun 26, 2011 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Why I would like to own a foreign bond fund
Replies: 43
Views: 3992

I will also say that the price of a barrel of oil is a good indicator of the strength of the dollar. As the price of oil goes up, it takes more dollars to buy that barrel Does it really? There probably are various reasons for the rise or decline in the price of oil, but doesn't the price of oil dep...
by InvestoGuy
Sun Jun 26, 2011 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Why I would like to own a foreign bond fund
Replies: 43
Views: 3992

livesoft, I am sorry I am not an expert at this, would you mind explaining in layman's terms. Is it not sufficient to own some foreign equities to achieve what you want? I do own VGK, VPL, VWO in my 401(k). Are you saying that in itself will do the trick? Are you saying if the dollar declines or gai...
by InvestoGuy
Sun Jun 26, 2011 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Why I would like to own a foreign bond fund
Replies: 43
Views: 3992

Why I would like to own a foreign bond fund

I read Rick Ferris original blog and the subsequent thread on foreign bonds here at: http://www.bogleheads.org/forum/viewtopic.php?t=75441 The question that is still unanswered in my mind is as follows: Per Rick Ferri, the International Bond Funds are expensive (ER of 0.5% or higher) and therefore t...
by InvestoGuy
Sun Jun 26, 2011 5:26 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 10 -- REGISTRATION ANNOUNCEMENT
Replies: 111
Views: 40621

How would I know about the event next year? Is there a place I can sign up so I can receive an email notification, or do I just need to watch this forum?
What tineframe would the registration open up for next year?
by InvestoGuy
Sun Jun 26, 2011 2:14 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 10 -- REGISTRATION ANNOUNCEMENT
Replies: 111
Views: 40621

Is it still open?

Apologize if I missed an announcement, but is the registration closed or are there spots still open?
by InvestoGuy
Sun Jun 26, 2011 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Uncertain job situation: Please Advise
Replies: 6
Views: 1322

Thanks for the suggestions folks. Since I have been a boglehead for a few years and have always been of the fiscally conservative mind set, I am good on the emergency fund part of it. I have about 10 months of emergency fund saved up in a savings / CD account and some I-bonds. Since I have been with...
by InvestoGuy
Sun Jun 26, 2011 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Need Input: About to invest in this Bond Fund?
Replies: 9
Views: 1808

HongKonger, thanks for the suggestion on EMLC. I looked at it and I think I will add it to my IRA with ALD in it as well. This provides a good diversification between Asia and LatAM. I like the 0.5% ER for it as well. Having that said. I re-read Rick Ferri's discussion on Foreign Bonds and why he ad...
by InvestoGuy
Sun Jun 26, 2011 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Need Input: About to invest in this Bond Fund?
Replies: 9
Views: 1808

matthylland, thanks for the reponse.
I looked at EDD, from what I can tell, I don't think it invests in local currency. Currency diversion was another key thing I really wanted in my portfolio and I don't believe EDD provides that. [/quote]
by InvestoGuy
Sun Jun 26, 2011 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Uncertain job situation: Please Advise
Replies: 6
Views: 1322

Uncertain job situation: Please Advise

Folks, I am 41 and have a pretty good job in the high-tech industry working as a pre-sales technology engineer. It is a great job, however, the compensation and the career is dependent on purely achieving sales numbers (it’s a sales job). Well, as you can imagine, with the way the economy is shaping...
by InvestoGuy
Sun Jun 26, 2011 9:13 am
Forum: Personal Consumer Issues
Topic: Exercise
Replies: 32
Views: 4980

Absolutely. Run 3 miles about 3-4 times a week and do Body Pump in the gym for an hour 3 times a week. Totally addicted to exercise and love to do it. I need to do it regularly for health reasons as well.
by InvestoGuy
Sun Jun 26, 2011 9:09 am
Forum: Investing - Theory, News & General
Topic: Cold calling a Boglehead
Replies: 93
Views: 9300

While we are on this topic, let me share an interesting anecdote. My company used to share the common areas of an office building with an investment company (which I shall not name). Occasionally we would run into the investment advisors. I happened to be-friend one of the advisor. During one of our...
by InvestoGuy
Fri Jun 24, 2011 11:44 am
Forum: Personal Consumer Issues
Topic: Alternatives to Microsoft Office Suite
Replies: 38
Views: 3393

Sam, from a productivity perspective, there is no option (currently) to MS Office. You can get a fairly cheap version (Home and Student I Think).

Or MS is also offering a free online version on office.live.com
I have not used it personally, but have heard good things about it. Try that.
by InvestoGuy
Thu Jun 23, 2011 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Need Input: About to invest in this Bond Fund?
Replies: 9
Views: 1808

Need Input: About to invest in this Bond Fund?

Folks: I am about to invest in the WisdomTree Asia Local Debt Fund (ALD) (see: m). This will go in my IRA account . My reasons for doing it: 1. Boost my AA for International Bonds (currently weak on the international side of bonds) 2. Provide currency diversification to the portfolio (ALD invest in ...
by InvestoGuy
Tue Jun 21, 2011 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Implications of Bond Funds and Bond ETFs
Replies: 5
Views: 1150

Tax Implications of Bond Funds and Bond ETFs

Per the wiki, it is highly recommended that you place the Bond Funds in a tax sheltered account. I am assuming the same holds true for a Bond ETF as well? Correct?
I think the Bond ETF tax efficiency is the same as Bond funds. Correct?
Thanks.
by InvestoGuy
Tue Jun 21, 2011 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Need Recommendations on Intl / Emerging Markets Bond Funds
Replies: 14
Views: 2529

Not all of these are in 'local currency'

Folks, Thanks for responding. However, let me clarify a point here. Not all of the above bond funds are in local currency . Some of them are (PRELX and a few others), but very few. I was exclusively looking for local curreny bond funds. If they are not in the local currency, you lose the currency di...