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by Gort
Sat May 30, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 20
Views: 817

Re: Anyone Trying to Login to Vanguard?

Seems to be working now. :)
by Gort
Sat May 30, 2015 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 20
Views: 817

Re: Anyone Trying to Login to Vanguard?

Nope, can't login. Maybe their server is overloaded at the end of the month?
by Gort
Sat May 23, 2015 11:16 am
Forum: Investing - Theory, News & General
Topic: Why not overweight international?
Replies: 37
Views: 3426

Re: Why not overweight international?

I like to keep things simple so I follow the Life Strategy Funds equity asset allocations since I think Vanguard knows more about this as compared to me! 60% TSM/40% Total international. :happy
by Gort
Sat May 23, 2015 9:43 am
Forum: Investing - Theory, News & General
Topic: What if the US stock market was only 25% of the world by market cap?
Replies: 37
Views: 2365

Re: What if the US stock market was only 25% of the world by market cap?

I follow the Life Strategy Funds equity asset allocations since I think Vanguard knows more than me concerning this issue. 60% TSM/40% Total international.
by Gort
Sat May 09, 2015 10:58 am
Forum: Personal Consumer Issues
Topic: Buying a Certified Pre-Owned BMW
Replies: 60
Views: 10472

Re: Buying a Certified Pre-Owned BMW

Poor OP, specifically adviced for advice on negotiations, and a lot of people went off-topic trying to talk him out of the car when he's already thought about and made the decision. I am tempted to hit the report button and turn LadyGeek loose on all you. OP, here is some actual advice. If there ar...
by Gort
Mon May 04, 2015 3:14 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 206
Views: 9819

Re: Forum software upgrade bug reports and change requests

Tamales wrote:Did the option for a poll go away?
There used to be a poll tab at the bottom of a new reply. Not there anymore.


Administrators didn't think it was important so they took it away. I liked them myself.
by Gort
Thu Apr 30, 2015 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Is $700/yr too much to pay Vanguard to have VSMGX?
Replies: 28
Views: 3253

Re: Is $700/yr too much to pay Vanguard to have VSMGX?

mhalley wrote:Hmm is 10 minutes a year to rebalance worth 700 bucks? Not to me.
Mike


That's an interesting way to look at it - thanks!
by Gort
Wed Apr 29, 2015 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Is $700/yr too much to pay Vanguard to have VSMGX?
Replies: 28
Views: 3253

Is $700/yr too much to pay Vanguard to have VSMGX?

Friends, I computed the aggregate ER for a four fund portfolio containing admiral shares equivalent to the holdings in VSMGX (Life Strategy Moderate Growth). The ER for individual funds is 0.09. ER for VSMGX is 0.16. On a $1,000,000 portfolio the difference in dollars would be $700/year. If the high...
by Gort
Sun Apr 26, 2015 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Manually Manage Quicken?
Replies: 46
Views: 2281

Re: Anyone Manually Manage Quicken?

I gave up on Quicken this year. I didn't like their "upgrades" for a Mac. Made my own Excel spreadsheets and like them much better.
by Gort
Thu Apr 23, 2015 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 34
Views: 2937

Re: Giving Vanguard VTSMX as a Wedding Gift

cheese_breath wrote:You have got to be kidding. Only if it's on the wedding registry. I can't think of a more impersonal gift.


A do it yourself prenuptial agreement guide might be more impersonal. :D
by Gort
Sat Apr 18, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1918

Re: What Is The Worst Car You Have Ever Owned?

1972 Fiat 850 Sport Spyder. Bought used in 1974. It would never start in the rain. Rain water would also leak so much into the glove box I kept a large sponge in there (and nothing else) and would wring out the sponge before driving it. Kept it a few months.
by Gort
Sat Apr 04, 2015 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard Why? [Problems opening new account]
Replies: 85
Views: 7118

Re: Why Vanguard Why?

Jeez guys, I was just asking a question. Sorry I was not born earlier in a different decade..can't fault me for that! When seemingly every other experience I've had could be done over the phone/internet, and snail mail is requested, it definitely makes that experience stand out and to me and was wo...
by Gort
Thu Apr 02, 2015 12:44 pm
Forum: Forum Issues and Administration
Topic: A 'Like' Function for Posts on this Forum
Replies: 18
Views: 1382

Re: A 'Like' Function for Posts on this Forum

JonnyDVM wrote:+1 posts are already unnecessary. Agreeing is fine, but add an original thought or don't bother.


+1
by Gort
Wed Apr 01, 2015 6:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Lifestrategy "Aggressive"
Replies: 13
Views: 1423

Re: Vanguard Lifestrategy "Aggressive"

I wish there was a Life Strategy Balanced, 50/50 bonds/equities. Ticker symbol VSBGX.
by Gort
Wed Apr 01, 2015 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Do bond funds reduce NAV after distributions?
Replies: 3
Views: 450

Do bond funds reduce NAV after distributions?

Friends,
I understand how equity funds reduce their NAV after a distribution. Do bond funds, such as the Total Bond Fund, do the same?
Thanks,
Gort
by Gort
Thu Mar 26, 2015 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: 401K committee asking for bond help...
Replies: 7
Views: 546

401K committee asking for bond help...

Friends, The HR dept at my work is asking for suggestions to add one more bond mutual fund choice for our 401K. Vanguard funds are available. Current bond choices are: Vanguard Intermediate Term Index (VBILX) E/R 0.10% Pimco Total Return (PTTRX) E/R 0.66% Putnam Income (PNCYX) E/R 0.77% MFS Governme...
by Gort
Wed Mar 25, 2015 7:03 pm
Forum: Personal Consumer Issues
Topic: Exploring the Florida Keys
Replies: 22
Views: 2464

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
Tue Mar 24, 2015 7:12 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 233
Views: 23079

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
Sat Mar 21, 2015 2:14 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 9531

Re: Whats a good Pistol to buy?

Odd discussion for a financial forum.
by Gort
Fri Mar 20, 2015 6:51 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 233
Views: 23079

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
Sun Mar 15, 2015 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Confused with Social Security website calculation.
Replies: 5
Views: 633

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
Sat Mar 14, 2015 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Confused with Social Security website calculation.
Replies: 5
Views: 633

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
Sun Mar 08, 2015 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 4884

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
Mon Mar 02, 2015 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 46
Views: 3189

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
Fri Feb 27, 2015 3:19 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 233
Views: 23079

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
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: 9716

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
Wed Feb 11, 2015 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Recommended Portfolio
Replies: 36
Views: 6260

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
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: 6939

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 Dec 13, 2014 2:03 pm
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 9816

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
Wed Dec 10, 2014 11:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Wish List
Replies: 44
Views: 3314

Re: Vanguard Wish List

I wish Vanguard would have a 50:50 Life Strategy Fund. Call it "Life Strategy Balanced Growth, VSBGX".
by Gort
Tue Nov 25, 2014 8:55 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 26006

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
Sun Nov 16, 2014 1:35 pm
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 6928

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 12:10 am
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 6928

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
Fri Nov 14, 2014 10:09 pm
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 6928

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
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: 1379

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
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: 1379

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
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: 399

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
Sun Sep 14, 2014 12:46 pm
Forum: Personal Consumer Issues
Topic: How to ship automobile cross country?
Replies: 3
Views: 446

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 11:10 am
Forum: Personal Consumer Issues
Topic: How to ship automobile cross country?
Replies: 3
Views: 446

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
Mon Sep 01, 2014 10:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 119268

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 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Only one international fund in 401K. Use it??
Replies: 4
Views: 384

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
Sat Aug 30, 2014 2:51 pm
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 85
Views: 7165

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
Mon Aug 18, 2014 10:31 pm
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6907

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
Wed Aug 13, 2014 11:15 pm
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2268

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
Sun Aug 10, 2014 11:01 pm
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 10787

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 10:45 pm
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 10787

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.

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