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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 11:21 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You [Recently] Watched?
Replies: 44
Views: 1586

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 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Only one international fund in 401K. Use it??
Replies: 3
Views: 142

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 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 71
Views: 4087

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 11:31 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6375

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
Thu Aug 14, 2014 12:15 am
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2065

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
Mon Aug 11, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9109

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 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9109

Re: The Boglehead-prisoner’s dilemma.

The rogue intelligence agent's name and home address.
by Gort
Thu Jul 31, 2014 12:34 am
 
Forum: Investing - Theory, News & General
Topic: The Boglehead-prisoner’s dilemma.
Replies: 33
Views: 5431

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 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Bond choices - advice please.
Replies: 3
Views: 264

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
Wed Jul 30, 2014 12:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Bond choices - advice please.
Replies: 3
Views: 264

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
Thu Jul 17, 2014 12:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 47
Views: 3601

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 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Analysis Paralysis has set in....
Replies: 7
Views: 675

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
Thu Jun 26, 2014 12:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3124

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 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to transfer 401K to Vanguard - help please.
Replies: 14
Views: 797

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 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: Will you obtain same result if you use a Life Strategy Fund
Replies: 28
Views: 3391

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 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income % at retirement
Replies: 41
Views: 9532

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 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income % at retirement
Replies: 41
Views: 9532

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 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me select bond fund in 401K
Replies: 3
Views: 361

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 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: How/do you change asset allocation with time?
Replies: 18
Views: 1254

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 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: How/do you change asset allocation with time?
Replies: 18
Views: 1254

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 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: LifeStrategy, Not TR in 401k
Replies: 25
Views: 1813

Re: Are Bogleheads "robots with Excel Spreadsheets?"

I'm not a robot. Oops, maybe I am!
Gort
by Gort
Sun Dec 29, 2013 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: Are Bogleheads "robots with Excel Spreadsheets?"
Replies: 74
Views: 4050

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

From the wiki link above, it looks like 80%.
by Gort
Sun Dec 15, 2013 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500% of Tot. Stk. Mkt?
Replies: 5
Views: 1185

Re: Math question about Rick Ferri's efficient frontier curv

Methinks some people have too much time on their hands :happy
by Gort
Fri Dec 06, 2013 11:41 pm
 
Forum: Investing - Theory, News & General
Topic: Math question about Rick Ferri's efficient frontier curve
Replies: 45
Views: 3210

Re: Marijuana index funds

InvestorNewb wrote:
I'm sure this will come off as a stupid question

Yep.
by Gort
Wed Dec 04, 2013 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: Marijuana index funds
Replies: 29
Views: 4460

Re: Vanguard Inconsistency

It's interesting to see the actual Countries and Regions represented in a 50:50 TSM and TINTL portfolio (rounded to whole numbers): COUNTRIES (Top 10 + USA): 50% USA 8% United Kingdom 8% Japan 4% Canada 3% France 3% Germany 3% Switzerland 3% Australia 2% China 2% Korea 2% Taiwan REGION 54% North Ame...
by Gort
Mon Dec 02, 2013 1:30 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Inconsistency
Replies: 23
Views: 2654

Re: Independent Adviser for Vanguard Investors

EmergDoc wrote:I'm starting to get skeptical of these periodic questions about the newsletter from first time posters. Has anyone every looked at the IP addresses of these Wiener questioners?

The OP's question and subsequent response to CABob seem legit. I wouldn't worry.
by Gort
Fri Nov 29, 2013 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: Independent Adviser for Vanguard Investors
Replies: 8
Views: 1252

Re: Simplicity is beautiful.

“If you can't explain it to a six year old, you don't understand it yourself.”
― Albert Einstein

My simple portfolio (age 60, retiring soon).
50% Total Bond Market
25% Total Stock Market
25% Total International Market.
by Gort
Fri Nov 29, 2013 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simplicity is beautiful.
Replies: 29
Views: 3984

Re: When has Total Intl outperformed Total US?

Middle wrote:When has VGSTX outperformed VTSAX?

I think you meant "VGTSX" rather than "VGSTX".
by Gort
Wed Nov 27, 2013 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: When has Total Intl outperformed Total US?
Replies: 17
Views: 3315

Re: Best way to sell old engagement ring

VictoriaF wrote:Reuse it for the next engagement. Choose a girl by the size of her fingers.

Victoria

Start large then go skinny. It's easier and cheaper to resize the ring by taking metal out rather than putting it in.
by Gort
Sun Nov 10, 2013 11:03 pm
 
Forum: Personal Consumer Issues
Topic: Best way to sell old engagement ring
Replies: 47
Views: 4148

Front load washer and dryer pedestals - like them?

Friends,
For those of you with non-stacked front load washer and dryers, did you get the pedestals? If so, do you like them? Anyone who didn't get them, do you wish you did?
Thanks,
Gort
by Gort
Fri Oct 18, 2013 12:14 am
 
Forum: Personal Consumer Issues
Topic: Front load washer and dryer pedestals - like them?
Replies: 33
Views: 2748

Does VBS offer same account service as Vanguard?

Friends, Does the Vanguard Brokerage Service offer the same service as having just a Vanguard mutual fund account? By this I mean will VBS provide you with all the cost basis, capital gains/loss info and other tax-related information that Vanguard supplies for their mutual fund account? Thanks much,...
by Gort
Wed Oct 16, 2013 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does VBS offer same account service as Vanguard?
Replies: 2
Views: 243

Why no Total World Stock Index admiral shares?

Friends,
The Total World Stock index mutual fund has an ER of 0.35%. The corresponding ETF has an ER of 0.19%. Why do you think Vanguard doesn't offer admiral shares of the mutual fund with an ER closer to the ETF? Would be nice of they did.
Thanks,
Gort
by Gort
Wed Oct 16, 2013 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why no Total World Stock Index admiral shares?
Replies: 3
Views: 617

Re: Vanguard joining the Mutual Fund Marketing Bandwagon

CyberBob wrote:And it's going to have Admiral shares from day one? Aw, come on! Where are the Admiral shares for Total World Stock fund, which has already been around for five years?!?

Bob :annoyed


Good point Bob!! Why doesn't Vanguard offer Total World Stock admiral shares??? :x
by Gort
Sat Sep 28, 2013 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: [Vanguard Announces New Low Volatility Fund]
Replies: 91
Views: 13784

WSJ Online - Sunday Edition

Friends,
I used to be able to read select financial news articles in the Wall Street Journal, Sunday online edition for free. It appears it's no longer free :annoyed . Anyone else notice this?
Gort
by Gort
Sun Aug 11, 2013 10:37 pm
 
Forum: Personal Consumer Issues
Topic: WSJ Online - Sunday Edition
Replies: 3
Views: 553

Re: Vanguard Target Retirement Funds?

Here are the scenarios where TR funds shine brightest: 5) You are not sure you have the discipline (or time or inclination...) to maintain your preferred asset allocation, including a reduction in your equity allocation as you age (according to whatever glidepath you may have selected). Some people...
by Gort
Sat Jul 27, 2013 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Funds?
Replies: 14
Views: 6342

Building new house - central vacuum worth it?

Friends,
I'm in the process of having a new house built. For those of you who have experience with central vacuums, do you find that was money well spent for the appliance?
Thanks,
Gort
by Gort
Fri Jul 26, 2013 10:50 pm
 
Forum: Personal Consumer Issues
Topic: Building new house - central vacuum worth it?
Replies: 35
Views: 4134

A/V Receiver for TV - which one?

Friends, I want to get a simple A/V receiver for my television. In addition to the TV, I want to hook up a cable TV box, Apple TV box, and a DVD player to the receiver and be able to control which device provides the signal to the TV from the receiver. Currently, I'm swapping the HDMI cables out of ...
by Gort
Mon Jul 22, 2013 11:23 pm
 
Forum: Personal Consumer Issues
Topic: A/V Receiver for TV - which one?
Replies: 8
Views: 723

50:50 Total Bond & Total International Bond??

Friends,
For simplicity in my fixed income components, what do you think of having equal amounts of the Total Bond Market and Total International Bond Market funds?
Thanks,
Gort
by Gort
Fri Jul 19, 2013 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50:50 Total Bond & Total International Bond??
Replies: 3
Views: 420

Sold house. Where to put money for next home purchase??

Friends,
I recently sold my house and will be closing on a new house in 6 months. I'm using the money from the sale to purchase a new home. No mortgage. Where should I keep the money until closing?
Thanks,
Gort
by Gort
Sun Jul 14, 2013 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Sold house. Where to put money for next home purchase??
Replies: 4
Views: 636

New garage floor: Stain, Epoxy, Paint or leave plain?

Friends, If you had a choice to put a finish on your new concrete garage floor, which product would you use? I have used alkyd based paint before on a different garage floor but with time the paint peels from exposure to the car's tires. I would like a surface that doesn't peel but if it did, it wou...
by Gort
Sun Jun 30, 2013 6:01 pm
 
Forum: Personal Consumer Issues
Topic: New garage floor: Stain, Epoxy, Paint or leave plain?
Replies: 15
Views: 3631

Re: Returning used items to the store [POLL]

I answered "Yes" before reading the first post. Knowing that, I would have answered "no". To do otherwise would be dishonest.
by Gort
Fri May 31, 2013 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Returning used items to the store [POLL]
Replies: 50
Views: 2620

Why no Intermediate-Term (I-T) Corporate Bond Fund?

Friends, It was my understanding that Vanguard's ETF's were (somehow???) related to their respective mutual fund. The I-T Treasury mutual fund (VFITX) appears to have a corresponding ETF, the I-T Government ETF (VGIT). There seems to be an I-T Corporate Bond ETF (VCIT) but no corresponding mutual fu...
by Gort
Fri May 31, 2013 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why no Intermediate-Term (I-T) Corporate Bond Fund?
Replies: 8
Views: 1018

Re: Why don't Vanguard fund-of-funds use admiral shares?

You do at least get the lower ER of the Total Bond Market II Investor shares (0.12) in these fund-of-funds instead of the 0.20 ER in the TBM Investor shares (0.20). That's still higher than the TBM admiral shares ER (0.10).
by Gort
Thu May 30, 2013 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why don't Vanguard fund-of-funds use admiral shares?
Replies: 19
Views: 2799

Re: [Why do posts have "[physician]" in thread title]

JW Nearly Retired wrote:I don't think the moderators should be routinely adding anything to the thread titles. If they want to change something they should at least ask permission from the OP first.

Good grief, Bogleheads doesn't need to become a nanny web site.
JW


Well said.
by Gort
Sat May 04, 2013 12:36 pm
 
Forum: Forum Issues and Administration
Topic: [Why do posts have "[physician]" in thread title]
Replies: 44
Views: 4584

And the Highest-Paid College Majors Are...(revisited)

Private message sent to moderator asking to reopen the original post.
by Gort
Mon Apr 29, 2013 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: And the Highest-Paid College Majors Are...(revisited)
Replies: 3
Views: 846

Re: Ferri's 60-20-20 Bond Portfolio

From the Morningstar interview, Bogle says the following: "...I wouldn't go all the way to corporates. I'd keep these Treasury positions. So, if we don't have an index fund that accurately reflects the total bond market for U.S. investors, you maybe take half of that and put it in a corporate-...
by Gort
Sun Apr 21, 2013 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: Ferri's 60-20-20 Bond Portfolio
Replies: 43
Views: 4966

Re: Ferri's 60-20-20 Bond Portfolio

Rick Ferri said "I believe the 20% TIPS / 60 TBM / 20 high yield mix offers adequate diversification without complication and higher cost."
Too bad the high-yield corporate fund is still closed to new investors however.
Maybe it's open to Flagship level investors???
by Gort
Sun Apr 21, 2013 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Ferri's 60-20-20 Bond Portfolio
Replies: 43
Views: 4966

Re: Jack Bogle: We need to fix the bond index

From the Morningstar interview, Bogle says the following: "...I wouldn't go all the way to corporates. I'd keep these Treasury positions. So, if we don't have an index fund that accurately reflects the total bond market for U.S. investors, you maybe take half of that and put it in a corporate-b...
by Gort
Fri Apr 19, 2013 11:48 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: We need to fix the bond index
Replies: 48
Views: 6890

Re: What is the lowest possible Expense Ratios could go?

larryswedroe wrote:could go to zero because of the ability to earn fees from securities lending
Larry


Maybe it could even go lower than zero - then Vanguard would be paying us to invest with them! :greedy :moneybag :greedy
by Gort
Sat Apr 13, 2013 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: What is the lowest possible Expense Ratios could go?
Replies: 26
Views: 1833
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