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Re: Exploring the Florida Keys

I drove through there twice. I don't want to go back. I drove through it too. I have the same sentiments. Never again. Thirty years ago I lived in Key West for 2 years while in the USN. Went back for the first time last month. A lot more T-shirt shops and too many "day tourists" from the ...
by Gort
Wed Mar 25, 2015 7:03 pm
 
Forum: Personal Consumer Issues
Topic: Exploring the Florida Keys
Replies: 20
Views: 1702

Re: International increase in Target Retirement & LifeStrate

An investor can't "stay the course" with their AA choice - if that AA gets shifted by someone else. I can understand the frustration of it being something out of our control, but what does it mean to stay the course, anyway? John Bogle, William Berstein, Rick Ferri, Larry Swedroe et al al...
by Gort
Tue Mar 24, 2015 7:12 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17140

Re: Whats a good Pistol to buy?

Odd discussion for a financial forum.
by Gort
Sat Mar 21, 2015 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7477

Re: International increase in Target Retirement & LifeStrate

leonard wrote:If investors can't depend on adherence to an AA - the simplicity of these funds is totally undermined.


How?
by Gort
Fri Mar 20, 2015 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17140

Re: Confused with Social Security website calculation.

Yes they assume you continue working at your current income. If it is the retirement estimator, you can add additional estimates while setting your future salary (even to $0). If you want more control to set both the actual date you stop working and year you claim benefits, you can download the Any...
by Gort
Sun Mar 15, 2015 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Confused with Social Security website calculation.
Replies: 5
Views: 596

Confused with Social Security website calculation.

Friends, I used the Social Security website to determine what my benefits would be at age 62, 66, and 70. (My age is 61). I understand why the benefits increase with age deferral but are the benefit numbers given for the three different ages assuming I continue to work until those ages? Thanks in ad...
by Gort
Sat Mar 14, 2015 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Confused with Social Security website calculation.
Replies: 5
Views: 596

Re: I hate the new Vanguard Web navigation!!!

John151 wrote:I've found a workaround: I've made separate bookmarks for Vanguard's home page, Vanguard's list of funds, my Watch List, and my account balances. This works, but it really shouldn't be necessary.


I did the same thing - once I found the correct page. That took a while.
by Gort
Sun Mar 08, 2015 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 4516

Re: Where's your Will?

nisiprius wrote:Lawyer's office and an insecure location at home. The goal is for people to find it quickly when needed.

Why would it need to be in a "safe" or other secure location? It's of no value to a thief and if lost for any reason it easily be replaced.


Good points.
by Gort
Mon Mar 02, 2015 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 46
Views: 2947

Re: International increase in Target Retirement & LifeStrate

Crushtheturtle wrote:You can't use these funds to "set and forget" if they continually change the allocation. They are useless for all but the least involved investor.


Yep - that's why I use them. I trust Vanguard knows more about investing and asset allocation than I do. I like the changes.
by Gort
Fri Feb 27, 2015 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17140

Re: What % of your gross income do you spend on mortgage/ren

0%. House paid off which was a goal of mine before retiring (soon).
by Gort
Sat Feb 21, 2015 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 8922

Re: Does anyone like the new Toyota/Lexus grilles?

Toyota designers have lost it. Take a look at the new Toyota 4 Runner:
http://www.fark.com/comments/7724530/Toyota-has-just-hit-4Runner-with-an-Ugly-Stick
by Gort
Sun Feb 15, 2015 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 61
Views: 3912

Re: Vanguard's Recommended Portfolio

BetaTracker wrote:Total Stock Market Index -- 50%
Total International Stock Index -- 20%
Intermediate-Term Bond Index -- 30%


+1
by Gort
Wed Feb 11, 2015 12:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Recommended Portfolio
Replies: 36
Views: 6081

Re: Looking for a DSLR that will allow me to get fairly seri

Pick a camera that fits in your hand comfortably and one that has a menu system that you like regardless of make. Then pick your lenses. A mid-range zoom would be a good place to start. Read the reviews on the different products actually purchased by consumers at B&H photo. Be careful about the ...
by Gort
Sat Feb 07, 2015 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Looking for a DSLR that will allow me to get fairly serious.
Replies: 118
Views: 6432

Re: What is your opinion about "tilting?"

As a diehard tilter I agree with you 100%. Some of the Bozos still don't understand tilting - let's keep it that way! 8-) I agree, but which side are the Bozos on? :? :twisted: Excellent question. Do Bozos tilt or not tilt? Regardless of the answer I don't think there are Bozos here, just a lot of ...
by Gort
Sat Dec 13, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 9561

Re: Vanguard Wish List

I wish Vanguard would have a 50:50 Life Strategy Fund. Call it "Life Strategy Balanced Growth, VSBGX".
by Gort
Wed Dec 10, 2014 11:08 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Wish List
Replies: 44
Views: 3164

Re: What do you splurge on?

I spend 90% of my money on fast women and fast cars. The other 10% I waste. :wink:
by Gort
Tue Nov 25, 2014 8:55 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 25117

Re: Harry's razors

Thanks for the reference to "Kiss My Face" shaving cream. I thought I was the only guy using it. Another steady Mach3 user here, also. A blade seems to last ~2-3 months, so cost isn't a huge issue. I like the convenience of being able to shave very quickly without getting nicked. --Peter ...
by Gort
Sun Nov 16, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 6629

Re: Harry's razors

Oh, for cryin' out loud - this is about shaving -- something upon which I spend maybe two minutes/day. Gillette Sensor, blade gets changed on the first of every month. Done. Two minutes a day every day for the rest of your life. Might as well make it comfortable and get some enjoyment from it. :happy
by Gort
Sun Nov 16, 2014 12:10 am
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 6629

Re: Harry's razors

A closely related topic is the use of pre-shave oils. I started using them prior to applying the lather. Makes for a much more comfortable shave. I buy the Badger brand from Whole Foods. I also stopped using aerosol foams. They felt cold on my face. I use shaving soap bars or shaving cream from a pu...
by Gort
Fri Nov 14, 2014 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 6629

Re: 401K changing Pimco Tot Ret to VG Int Term Bond Index. O

Is VBIIX a good core holding? Yes. A lot of the people here who think TBM is too heavy in treasuries actually like VBIIX more. I like VBIIX more than Total Bond. VBIIX has slightly higher quality, a bit longer duration, and avoids the Mortgage Backed Securities risk of Total Bond Market. To OP: wha...
by Gort
Thu Oct 30, 2014 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K changing Pimco Tot Ret to VG Int Term Bond Index. OK?
Replies: 17
Views: 1335

401K changing Pimco Tot Ret to VG Int Term Bond Index. OK?

Friends, My 401K is changing all Pimco Total Return (PTTRX, no load) Bond fund holdings to Vanguard's Intermediate Term Bond Index Fund (VBIIX). The lower ER of the Vanguard fund will be great but I don't hear much discussion concerning the Intermediate Term Bond Index Fund by the Bogleheads here. I...
by Gort
Sun Oct 19, 2014 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K changing Pimco Tot Ret to VG Int Term Bond Index. OK?
Replies: 17
Views: 1335

Where is Vanguard article on International Asset Allocation?

Friends,
There is a Vanguard article concerning how much they recommend to allocate to international funds. I can't find it. Can someone provide the link?
Thanks much,
Gort
by Gort
Fri Sep 26, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is Vanguard article on International Asset Allocation?
Replies: 2
Views: 378

Re: How to ship automobile cross country?

I'll make a couple suggestions in a second, but have to ask: Why are you buying a car clear across the country? If it's a 1 of 20 existing 08 Lotus Elise California editions, then ok, I get that you really can't find one near you. If you think you're saving money, consider that the condition may no...
by Gort
Sun Sep 14, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: How to ship automobile cross country?
Replies: 3
Views: 432

How to ship automobile cross country?

Friends,
I may purchase an auto on Ebay. If so, I will need to ship it cross-country, about 2500 miles. Has anyone used the suggested Ebay shippers or did you find one yourself? Open transport is OK vs closed container.
Thanks,
Gort
by Gort
Sun Sep 14, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: How to ship automobile cross country?
Replies: 3
Views: 432

Re: What Movie Have You [Recently] Watched?

"This Gun for Hire" made in 1946. Was on TCM (Turner Classic Movies) last night. TCM is great to catch some of the classics.
by Gort
Mon Sep 01, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 649
Views: 84761

Only one international fund in 401K. Use it??

Friends, We have a new 401K that has only one international fund, Oakmark International (OAKIX), er = 0.91%. Bond choices are OK and US equities choices are excellent (Vanguard TSM, signal class). I'm only staying with my present employer for about 6 more months then transferring the 401K to a Vangu...
by Gort
Mon Sep 01, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Only one international fund in 401K. Use it??
Replies: 4
Views: 369

Re: Does anyone have 'Lazy Portfolios'?

There has been lots of discussion of slicing and dicing in this thread, but I think this misses the main idea behind lazy portfolios: holding a relatively fixed allocation to stocks and bonds throughout your investing career. The advantages of glide paths are IMO oversold and simply add to the comp...
by Gort
Sat Aug 30, 2014 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 85
Views: 7060

Re: Bad(?) advice given about Target Date Retirement funds

It just struck me. Why isn't the standard advice for investors to pick a target date fund to match their retirement date, then add a stock or bond fund to either increase or decrease risk? An investor who wants to shift the entire curve down by 10% could hold 10% in a total bond fund and 90% in the...
by Gort
Mon Aug 18, 2014 10:31 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6817

Re: Any Opinions on Mirrorless Cameras?

I have a Pentax K3 and love the results. It's a bit heavy and I wanted something smaller. Bought a Sony Nex-6 but had trouble with some of their nicer Zeiss lenses not communicating with the camera. Returned it for full refund in 30 days. Heavily researched all the other cameras and bought an Olympu...
by Gort
Wed Aug 13, 2014 11:15 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2226

Re: Where do you buy clothes?

every once in a while there's a thread on this site that makes me glad that i'm not a boglehead in the conventional way. Usually the topics are cars, restaurants, and other discretionary spending items. this is one of them. Good for you! Not everyone desires to pay for Kiton or Oxxford products. A ...
by Gort
Sun Aug 10, 2014 11:01 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 10474

Re: Where do you buy clothes?

Dress shirts and slacks from Lands' End and LL Bean. They last forever!! Super easy returns too if necessary.
by Gort
Sun Aug 10, 2014 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 10474

Re: The Boglehead-prisoner’s dilemma.

The rogue intelligence agent's name and home address.
by Gort
Wed Jul 30, 2014 11:34 pm
 
Forum: Investing - Theory, News & General
Topic: The Boglehead-prisoner’s dilemma.
Replies: 33
Views: 5710

Re: 401K Bond choices - advice please.

PIMCO. Do you have an IRA that you can adjust to offset the 401k? No IRA. Will be transferring 401K to a new Vanguard IRA at the end of this year. Plan on using equal amounts of Life Strategy Moderate growth (VSMGX) and Conservative growth (VSCGX) to create a 50/50 bond/equity allocation. Wish Vang...
by Gort
Wed Jul 30, 2014 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Bond choices - advice please.
Replies: 3
Views: 295

401K Bond choices - advice please.

Friends, We have a new 401K at work and the bond choices are limited. I currently have a 50/50 bond/equity allocation. The equity allocation is nicely filled with Vanguard signal share index funds. The bond choices are limited. I will be transferring the 401K to a Vanguard IRA at the end of this yea...
by Gort
Tue Jul 29, 2014 11:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Bond choices - advice please.
Replies: 3
Views: 295

Re: Withdrawl from Target Retirement or Life Strategy Fund

Antiqueman has a good question concerning withdrawing from a balanced fund in retirement. Is it better to have separate bond and equity funds (and withdraw from the better performing component) as compared to a balanced fund in which you will be withdrawing from both bond and equity components?
by Gort
Wed Jul 16, 2014 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4749

Analysis Paralysis has set in....

Friends, Sorry for the silly question but I am having a devil of a time deciding what my equity/bond allocation should be. I am retiring at the end of this year. No debt. House paid for. Military retirement pension meeting half my needs, 401K and IRA meeting the other half. I'm thinking of 50/50 for...
by Gort
Fri Jul 11, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Analysis Paralysis has set in....
Replies: 7
Views: 701

Paperless Statements (bank checking acct)

Friends, What are your thoughts concerning using paperless statements from your bank for checking accounts? I currently get a paper copy mailed to me monthly (I've been doing this for 40 years without a problem). For those of you who switched to paperless statements, do you like them? Is it convenie...
by Gort
Wed Jun 25, 2014 11:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3410

Time to transfer 401K to Vanguard - help please.

Friends, I will be transferring my 401K to Vanguard in a couple of months. My 401K funds are non-Vanguard funds and I desire to have only Vanguard funds in the IRA. Here are my questions: 1. Where does Vanguard put the money after the transfer? Do they put it in funds I have pre-selected prior to th...
by Gort
Sun Jun 08, 2014 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Time to transfer 401K to Vanguard - help please.
Replies: 14
Views: 915

Re: Will you obtain same result if you use a Life Strategy F

Anybody doing LifeStrategy Conservative Growth and LifeStrategy Moderate Growth for a 50/50 mix? I have thought about doing it. These fund seem great for honey when I die put the money in this LifeStrategy fund or these two LifeStrategy funds if you want the 50/50 mix. You could also use LifeStrate...
by Gort
Sat May 31, 2014 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: Will you obtain same result if you use a Life Strategy Fund
Replies: 28
Views: 3603

Re: Fixed income % at retirement

tibbitts wrote:This poll isn't helpful without stating how you want pension and SS benefits treated, especially since that's always a subject of debate here on the forum.

Good point tibbitts. I wasn't actually interested in the poll results, rather the discussion.
by Gort
Sat Apr 26, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income % at retirement
Replies: 41
Views: 9648

Fixed income % at retirement

Friends,
What was or will be your planned fixed income percentage of your portfolio at retirement.
Thanks much,
Gort
by Gort
Fri Apr 25, 2014 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income % at retirement
Replies: 41
Views: 9648

Help me select bond fund in 401K

Friends, My 401K has has changed to a new provider and has limited bond fund selections. No index bond funds. The equity side has nice Vanguard signal shares and I'm happy with that. Here are the bond funds (no load), please tell me your opinion of these for my fixed income side. I desire 50/50 bond...
by Gort
Tue Apr 08, 2014 10:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me select bond fund in 401K
Replies: 3
Views: 385

Re: How/do you change asset allocation with time?

Aptenodytes wrote:Ambiguities are likely to cloud results.


Thanks for your comments. I expected "cloudy" answers based on the ambiguous question. I was more interested in the discussion rather than the poll results.
by Gort
Thu Mar 27, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: How/do you change asset allocation with time?
Replies: 18
Views: 1306

How/do you change asset allocation with time?

Friends,
I was wondering how or if you change your asset allocation as you get older. Specifically, what manner do you use to increase fixed income and reduce equity exposure as time goes by.
Thanks,
Gort
by Gort
Thu Mar 27, 2014 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: How/do you change asset allocation with time?
Replies: 18
Views: 1306

Re: LifeStrategy, Not TR in 401k

Calm Man wrote:I love LS Moderate Growth for IRA, 401K and Roths. It is somewhat more expensive (about double) than the components but no need for rebalancing which presumably is worth 8 basis points per year. And if not "worth" it dollars-wise it is convenience-wise.


:happy
by Gort
Fri Mar 14, 2014 6:44 pm
 
Forum: Investing - Theory, News & General
Topic: LifeStrategy, Not TR in 401k
Replies: 25
Views: 1846

Re: Are Bogleheads "robots with Excel Spreadsheets?"

I'm not a robot. Oops, maybe I am!
Gort
by Gort
Sun Dec 29, 2013 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Are Bogleheads "robots with Excel Spreadsheets?"
Replies: 74
Views: 4166

Re: S&P 500% of Tot. Stk. Mkt?

From the wiki link above, it looks like 80%.
by Gort
Sun Dec 15, 2013 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500% of Tot. Stk. Mkt?
Replies: 5
Views: 1202
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