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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: 114
Views: 7599

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: 2975

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: 231
Views: 19067

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: 5701

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: 5701

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: 5701

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: 1311

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: 1311

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: 364

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: 418

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: 418

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: 250
Views: 26754

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: 358

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: 6880

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: 6745

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: 2188

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: 9958

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: 9958

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: 5661

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: 285

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: 285

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: 4647

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: 694

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: 3363

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: 865

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: 3566

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: 9622

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: 9622

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: 375

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: 1294

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: 1294

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: 1842

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: 4128

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: 1191

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 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: Math question about Rick Ferri's efficient frontier curve
Replies: 45
Views: 3359

Re: Marijuana index funds

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

Yep.
by Gort
Wed Dec 04, 2013 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: Marijuana index funds
Replies: 29
Views: 4692

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 12:30 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Inconsistency
Replies: 23
Views: 2664

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 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: Independent Adviser for Vanguard Investors
Replies: 8
Views: 1271

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 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simplicity is beautiful.
Replies: 29
Views: 4042

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 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: When has Total Intl outperformed Total US?
Replies: 17
Views: 3357

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 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Best way to sell old engagement ring
Replies: 47
Views: 4202

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
Thu Oct 17, 2013 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Front load washer and dryer pedestals - like them?
Replies: 33
Views: 2920

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 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does VBS offer same account service as Vanguard?
Replies: 2
Views: 254

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 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why no Total World Stock Index admiral shares?
Replies: 3
Views: 634

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 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: [Vanguard Announces New Low Volatility Fund]
Replies: 91
Views: 14535

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 9:37 pm
 
Forum: Personal Consumer Issues
Topic: WSJ Online - Sunday Edition
Replies: 3
Views: 560

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 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Funds?
Replies: 14
Views: 6404

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 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Building new house - central vacuum worth it?
Replies: 35
Views: 4468
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