Bogleheads.org

Paul Basenberg

Thanks for all the great information. Did any of you purchase a service contact on your bikes? I never buy them, but I imagine with all the moving parts, wear and tear, they might need one. Who repairs your bikes?

Paul Basenberg

Greetings , Does anyone have recommendations for stationary indoor bikes. Want to buy one for my daughter and her husband for Christmas. Let me know why you purchased the one you presently own and how satisfied you are with your selection. Also, if you are not satisfied, why? Thanks for your help Paul

Paul Basenberg

Greetings, thank you all for the informative replies. Now I get it.
Paul

Paul Basenberg

Greetings,

What is the criteria for determining which countries are emerging markets. China is the second largest economy in the world but is classified as an emerging market. I don't get it.

Thanks for your help,
Paul

Paul Basenberg

Greetings, I haven't predicted or known that a crash is coming, either in '01 or '07. However, at some point, I start getting that "edgy" feeling and adjust my portfolio to a more conservative nature in both equities and bonds. I don't mind missing out on the "opportunity" losses...

Paul Basenberg

Ditto Nispirius,

Mr. Taylor Larrimore is, IMO, the truest and purest advocate of the Boglehead philosophy and exemplifies, consistently, that philosophy.

Paul Basenberg

Hi everyone,

I don't know how to post a clickable link, but I would be interested in your opinions of the philosophy of the story in the link below.

http://finance.yahoo.com/news/long-term ... 48548.html

Thank you ,Paul.

Paul Basenberg

Proctor and Gamble

Paul Basenberg

2243.55

Paul Basenberg

Greetings, As I understand the explanation on Treasury Direct the interest on savings bonds must be reported in the year of maturity unless cashed before the year of maturity. H bonds and HH bonds are no longer issued so, as I understand it, the accumulated interest of all the maturing savings bonds...

Paul Basenberg

Greetings,

Nothing financial. Get a hotel package that offers dinner, dancing, and breakfast.

Regards,Paul.

Paul Basenberg

Greetings, The Aberdeen Barn in Williamsburg Va. The food is excellent, service excellent. They start you with a cheese tub accompanied with various crackers and biscuits. Then the salad with various greens nuts and berries. Excellent dressing regardless of your choice. I personally think their prim...

Paul Basenberg

Taylor Larrimore, which led to reading Larry Swedroe, Bill Berstein, and a host of others.

Regards,Paul

Paul Basenberg

Hello Asterix, I live in Maryland and there are quite a few places to learn to dance for free or a moderate fee. I don't hear a lot of good about Arthur Murray and I understand they are quite expensive. If you don't know the fees up front, run, run, run, away. Many nightspots give certain types of d...

Paul Basenberg

VGPMX is not an investment, it is a trade, IMO. If you feel you are a skilled trader, go for it and see what happens.

Regards,
Paul.

Paul Basenberg

I think I read somewhere ( don't have a link) that 80/20 stock/bond allocation is optimal for a young person. Rebalance periodically. The study said that 100% stock will get you little, if any, extra return. This is all based on the premise that you can stay the course until you are older, say in yo...

Paul Basenberg

I have owned Vanguard Energy Fund and Healthcare for many years. The capital gains on these funds make them prohibitive to sell. My heirs will probably have to sell them since they get the stepped up basis.

Regards,
Paul

Paul Basenberg

Hello Chasiu, To each his own. I am 70 and retired and have done very well without either commodities or international bonds, which seem to be getting a lot of attention in the past few years. Diversification is good , to a point. Three, four, or five funds should cover just about all bases worth co...

Paul Basenberg

Hello Rex, I have taken my family to Ocean City, NJ for the past 50 or so years. Ocean City is a "dry" town but you can purchase alcohol across the bridges, either at Somer's Point or Marmora. The town is easy to navigate with the other beaches (Atlantic City, Avalon,Stone Harbor,Wildwood,...

Paul Basenberg

Thank you Flobes, Paul.

Paul Basenberg

Greetings, I am thinking of getting a Pennfed CD. I am interested in some of the mechanics. I see that they charge a dollar a month for a paper statement. If you receive the statement electronically, is it done in the same way a company such as Vanguard does whereby you sign on and print your statem...

Paul Basenberg

Greetings,

You got it correct, i am backwards. ETFs 3 days, MF 1 day. Thanks,Paul.

Paul Basenberg

Greetings, Not sure why some of you are having trouble. Maybe you should call Vanguard and speak to a rep. I signed on after Pershing was eliminated. I had experience with Pershing about ten years ago and didn't like it. As far as glitches go i haven't had a problem. I am very satisfied with the acc...

Paul Basenberg

Greetings, I used money for speculation for several years before I retired. I was lucky, I did well. Lost some money made quite a bit more than I lost. You need the right temperament though. Bought mostly individual stocks. Followed the sectors in which I bought religiously. Had the patience (someti...

Paul Basenberg

Greetings,

I signed up about a year ago. Love it. Each account (taxable,ira,and roth ira) is linked to a brokerage account. The MM in each account is common to both mutual funds and brokerage. Stocks and ETFs settle in one day, mutual funds in three.

Regards,Paul

Paul Basenberg

Greetings,

2156

Paul Basenberg

Greetings, I would consider somewhere between $5-7 as a fat pitch. In my case, I am retired so it wouldn't be much more than the minimum $3000. When these types of stocks are hot they can rise fast and furiously. A double or triple on my $3000 would be some nice pocket money. When William Berstein a...

Paul Basenberg

Greetings everyone, I rarely post on any message boards since I don't spend much time on them, but, I do lurk occasionally on this and Morningstar. I am curious as to what Bogleheads (and non-Bogleheads on this board) think of CEF's (Closed End Funds) as an income generating tool for retirees as opp...

Paul Basenberg

Thanks guys, I guess I misinterpreted and mis read the post. I do most of my loss harvesting in the stock world and sometimes use bond losses to offset mostly short term stock gains, although bond losses have been hard to come by lately. But that's another story. I guess I am out of touch with the b...

Paul Basenberg

Paul, When you sell an asset whose main purpose is to generate interest income in a way that results in a capital loss, you make it so that you will earn less from the reinvested capital, even with a higher interest rate, because the interest will be paid on that diminished capital. Say you have a ...

Paul Basenberg

Curious. I am assuming that those who feel that the OP has locked in the interest rate at time of purchase, for any number of years, are also assuming that he will not tax loss harvest any bonds or bond funds that he purchased and rotate into higher yielding bonds or bond funds when the time comes t...

Paul Basenberg

Good for you. Noise is exactly what all the turmoil is. The Fed has set the conditions with certainty as to when they will begin raising rates. Regardless of what people may think of the Fed. bankers, they are not dummies. Also unless we get our federal debt to a more manageable position, interest r...

Paul Basenberg

Livesoft, I cannot post a link although I'm sure a link would not be hard to find. But, back when Greenspan started raisig interest rates (2003,04??), short term bonds got creamed. Intermediates did OK. Very little change. I didn't mention the fact in my earlier post that those that think they may f...

Paul Basenberg

Livesoft, I am not surprised, at all, about the many people that are shortening their durations. For the last five years,or so, the talking heads on virtually every TV show, along with newspapers, have been pressing the panic button on bonds. Call me a market timer, but, I don't think there is any r...

Paul Basenberg

Not since election. Lengthened duration about a year ago. Paul.

Paul Basenberg

Greetings, Long story...short, if bonds dropped enough to get my attention, I would sell my high cost covered shares for a tax loss and enough of my low cost non-covered shares so that there would be no taxable event. Then I would buy into (not too similar bond funds) immediately. I am retired and u...

Paul Basenberg

Hello all,

I have about 22% in International. About 6% in VG Emerg Mkts,8% in FTSE all-world ex-US,and the remaining 8% in International Explorer. Regards,Paul

Paul Basenberg

Thank you all for your input. I am grateful and will be studying the above suggestions for a while. I am currently leaning toward DBC but will consider all of the others suggested. Thank you again,

Paul

Paul Basenberg

Hello everyone, Some time ago Larry Swedroe recommended having about 5% or so in commodities. I am hoping someone can steer me toward a diversified commodity ETF. I recently opened a brokerage account with Vanguard so that I might buy ETFs. The choices for commodity indexes seem mind boggling. Most ...

Paul Basenberg

Go to the presentation, if you like. My daughter and her husband have had one for 16 years. Got good use out of it. Yearly maintenance fees are now going over the top. Want to sell. Can't get rid of these tthings. Why? People can't afford the fees and/or can't get financed. Offered to give it away. ...

Paul Basenberg

Thank you, Larry. Your answer was clear, concise, and much appreciated. Paul.

Paul Basenberg

Greetings everyone, I have read most of Larry Swedroe's books, but I think I missed something. Larry suggests that an investor add 15 basis points for munis and 20 bp for taxable bonds as you move up in duration to make sure you are being compensated for the extra risk. Where do these numbers come f...

Paul Basenberg

Greetigs Puck2005, I second the dancing suggestion by praxsis. Women do love to dance. Many seem to believe that dancing is foreplay to a woman. I, personnally believe this to be true. I am a dancer and cannot tell you how many wonderful hours of recreation it has brought me, summer, fall,winter, or...

Paul Basenberg

Greetings Faith, I had a new Trane installed about 4 months ago. iI would say that the issue is normal for new heat pumps. My air handler has a loud "click" when the auxillary heat goes on and the volume of air moved is probably three to four times the normal volume during this period. The...

Paul Basenberg

Hello again, I don't post much on any message boards unless something catches my eye. Referring to my post above, I believe that the retail investor may be buying gold to assuage his fear of inflation since the prospect of inflation has been all over the headlines. Gold has been easy to buy only sin...

Paul Basenberg

reetings, I don't think I would price gold relative to inflation. Larry Swedroe has demonstrated that gold is hardly a hedge of inflation. If I were buying gold I would consider its present and future value in relation to the perception of how much the dollar will be de-valued, or not, in the commin...

Paul Basenberg

20% US Savings & I bonds
25% VG Intermediate Term Tax Ex.
20% VG Short term Tax Ex
5% VG Tax Exempt MM
25% T Rowe Price Maryland Bond Fund
5% VG I-term corporate bond

Paul Basenberg

Greetings everyone, I kept my 1970 OLds Delta 88 until 1999 when a dumptruck hit it. A little over 500,000 mile on it. Worked on it myself, ran like new money. Kept my 1992 Geo Prism 17years until front axel locked up on highway. Decided I neede a new car that was larger to tote the grandkids around...

Paul Basenberg

I have about 85% of my bonds in munis, the rest in corporates. I don't use the ETF's since Vanguard and T. Rowe have actively managed muni funds that have been satisfying my needs for a long,long time. Most of the houses that manage muni funds seem to be competent. It is noise! It's how they frame t...

Paul Basenberg

Hello tc101, The comments in the previous posts should be giving you your answer. Having said that, I used to trade individual stocks until a few years ago. Why did I "pretty much" quit, you ask? Larry Swedroe got to me as did Taylor. I still have some money outside of my portfolio that I ...

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