Search found 218 matches

by Gort
Wed Sep 02, 2015 9:43 am
Forum: Investing - Help with Personal Investments
Topic: 50:50 Life Strategy Mod Growth and Balanced Index?
Replies: 6
Views: 229

50:50 Life Strategy Mod Growth and Balanced Index?

Friends, I like balanced funds because it helps me from tinkering (usually at the wrong time) with my asset allocation. I like Life Strategy Moderate Growth except for the recently increased allocation to international equities and bonds. If I did 50:50 with Balanced index I think the resulting asse...
by Gort
Mon Aug 24, 2015 10:47 pm
Forum: Investing - Theory, News & General
Topic: Are international bonds necessary?
Replies: 17
Views: 1422

Re: Are international bonds necessary?

SeeMoe wrote:80% of the bond market is non-USA products I saw recently on CNBC . So it makes sense to own some foreign bonds


Why?
by Gort
Sun Aug 23, 2015 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Bob Brinker doesn't recommend any Vanguard bond funds...
Replies: 1
Views: 606

Bob Brinker doesn't recommend any Vanguard bond funds...

...while listening to his show today (Aug 23) Brinker mentioned to a caller that he doesn't recommend any bond funds from Vanguard. What fixed income investments does he like? He never gives specifics on-air as to what funds he recommends in his various portfolios. You have to buy his newsletter for...
by Gort
Sat Aug 22, 2015 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Intuit to Sell off Quicken
Replies: 26
Views: 2845

Re: Intuit to Sell off Quicken

We stopped using Quicken 7 years ago and do not miss it. Yep, same here. I quit Quicken about a year ago. Made my own spreadsheets that serve my purpose. I use the three fund portfolio so it's really easy to manually enter the data. Those investors with large numbers of equity holdings may have mor...
by Gort
Thu Aug 20, 2015 10:43 pm
Forum: Investing - Theory, News & General
Topic: How many here follow Bogle's "no international" theory?
Replies: 82
Views: 5310

Re: How many here follow Bogle's "no international" theory?

zaboomafoozarg wrote:1/3 of my portfolio is international, both stocks and bonds.

Mainly because I like thirds.


I like thirds too! 2/3 of my portfolio is USA, 1/3 international. That means I have twice as much USA as compared to international. Seems natural to me in some sort of mathematical way I can't describe.
by Gort
Tue Aug 11, 2015 8:34 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 95
Views: 11402

Re: Why not add a "like" button to Boglehead posts?

Mel Lindauer wrote:It's not going to happen. That was clearly stated previously. Nothing's changed so it's still the policy. Don't expect it to change in the future. Resurrecting this thread isn't going to change the outcome.


:thumbsup
by Gort
Wed Aug 05, 2015 11:29 am
Forum: Personal Consumer Issues
Topic: Aloha Shirt: Yes or No
Replies: 78
Views: 6371

Re: Aloha Shirt: Yes or No

livesoft wrote:I personally do not believe that a tasteful Hawaiian shirt can be purchased at Kohl's, Costco and some other places. I would use those shirts to work on my spouse's car.


Not true. Costco has some very nice silk Jamaica Jaxx brand shirts.
by Gort
Tue Jul 21, 2015 3:10 pm
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 73
Views: 6238

Re: Do you hate your vehicle infotainment system?

I have a 2015 Subaru Forester. Bluetooth for music is ok but I connected an older ipod with a USB cable to the sound system and it works great and sounds much better than the bluetooth arrangement. I can control all the songs from the ipod which is easy. I gave up on trying to use my phone through t...
by Gort
Tue Jun 23, 2015 12:08 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Index - What % of equities?
Replies: 74
Views: 7785

Re: Small Cap Index - What % of equities?

0% in the small-cap index fund. I accept the amount of small caps in the TSM index fund.
by Gort
Mon Jun 22, 2015 11:10 am
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 8828

Re: Best "All Around Lens" for Nikon DSLRs?

I have a Nikon D5100 camera with a 35 mm lens. I would like to travel with a single zoom lens (leaving the 35 mm behind) that would work in most situations and is not too heavy. Any recommendations for those of us who like to just point and shoot? Thanks in advance. Roosevelt. 97 posts so far! Roos...
by Gort
Wed Jun 17, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 8828

Re: Best "All Around Lens" for Nikon DSLRs?

The Nikon 18-200 lens is rated 4.5 stars (out of 5) by 901 individual reviewers (that's huge) at B&H Photo website. It's an outstanding go anywhere type of lens.
by Gort
Sun Jun 14, 2015 10:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard: "The long and short of finding bond balance."
Replies: 9
Views: 2332

Re: Vanguard: "The long and short of finding bond balance."

"Does it matter if the three types of bonds mentioned above are in one bond fund (such as Total Bond Market Fund) or in three separate funds?" I was wondering the same thing. Is there any merit to use equal amounts of Short-term, Intermediate-term, and Long-term Vanguard bond index funds ...
by Gort
Sat Jun 13, 2015 10:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard: "The long and short of finding bond balance."
Replies: 9
Views: 2332

Re: Vanguard: "The long and short of finding bond balance."

Muir wrote: "Does it matter if the three types of bonds mentioned above are in one bond fund (such as Total Bond Market Fund) or in three separate funds?" I was wondering the same thing. Is there any merit to use equal amounts of Short-term, Intermediate-term, and Long-term Vanguard bond i...
by Gort
Sun Jun 07, 2015 10:34 am
Forum: Investing - Theory, News & General
Topic: Year long hiatus from Bogleheads: How I found the 3-fund portfolio was right for me
Replies: 40
Views: 5347

Re: Year long hiatus from Bogleheads: How I found the 3-fund portfolio was right for me

From Rick Ferri:

Attaching yourself to a sound philosophy requires deep thought. It usually starts with a disappointment, a detailed investigation in the root of the disappointment, the analysis of data, confirmation through the writings and experiences of others, and then an epiphany.
by Gort
Sun Jun 07, 2015 10:31 am
Forum: Investing - Theory, News & General
Topic: Year long hiatus from Bogleheads: How I found the 3-fund portfolio was right for me
Replies: 40
Views: 5347

Re: Year long hiatus from Bogleheads: How I found the 3-fund portfolio was right for me

I think Rick Ferri has another point relevant to this thread, about the firming of one's investment philosophy. Here is the link for any who haven't read it: http://www.rickferri.com/blog/strategy/philosophy-differs-from-strategy/ While the theme seems to be simplifying the plan (and I certainly ha...
by Gort
Sun May 31, 2015 1:30 pm
Forum: Personal Consumer Issues
Topic: How to sell diamond ring?
Replies: 2
Views: 575

How to sell diamond ring?

Friends, I received a 1 carat diamond ring/gold band in an inheritance. Apparently the ring was purchased 8 years ago from a local jewelry store (now out of business since the owner retired) at a retail price of $6,000. I want to sell the ring. What would be the best way to do this? I know jewelry h...
by Gort
Sat May 30, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 22
Views: 1713

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: 22
Views: 1713

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: 3773

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: 2820

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: 11499

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: 237
Views: 25331

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: 3558

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: 3558

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: 2805

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: 3224

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: 2250

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: 8403

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: 1707

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: 1633

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: 511

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: 648

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: 2716

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: 235
Views: 28028

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: 10518

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: 235
Views: 28028

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: 727

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: 727

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: 5418

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: 3509

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: 235
Views: 28028

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: 10758

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: 6487

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: 7456

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: 10342

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: 3431

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: 26774

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: 7323

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 ...

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