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Re: What Book Are You Currently Reading? Part VI

jebmke wrote:The Burning Room by Michael Connelly. Typical Harry Bosch story.

A very good author.
by chaz
Thu Jan 22, 2015 3:08 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 436
Views: 56469

Re: Poll

epilnk wrote:Honestly, I don't expect to care - I don't plan to stick around for either.

Me too. :(
by chaz
Thu Jan 22, 2015 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll [Cemetery or Cremation]
Replies: 20
Views: 686

Re: The Three Fund Portfolio

I have never considered social security and pension as part of my asset allocation. I am 55 years old and currently 90% in target retirement 2020 which is currently almost 60/40. How should I know if this is a right allocation for me if I factor in the SS and pension? Thanks for any help Good AA IMO.
by chaz
Thu Jan 22, 2015 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 444778

Re: Likelihood of Admiral shares for the Target Retirement F

While it is suboptimal it is hardly a "bad mistake" compared to truly bad mistakes many people make with their finances (e.g. high advisor fees, high expense ratio funds, etc.). If the worst "mistake" you make in your investing career is using target retirement/lifecycle funds i...
by chaz
Thu Jan 22, 2015 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Likelihood of Admiral shares for the Target Retirement Funds
Replies: 20
Views: 2190

Re: Ditch Wells Fargo banking for online banking?

We prefer brick & mortar.
by chaz
Thu Jan 22, 2015 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ditch Wells Fargo banking for online banking?
Replies: 25
Views: 1884

Re: What age did you pay off your "forever" home

Toons wrote:We paid off our "forever"home immediately ,cash. :happy

Us also on close of escrow! :D
by chaz
Thu Jan 22, 2015 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you pay off your "forever" home
Replies: 52
Views: 4009

Re: Home-owners insurance - Bundle with auto insurance?

I bundle to enable purchase of umbrella coverage.
by chaz
Wed Jan 21, 2015 11:56 am
 
Forum: Personal Consumer Issues
Topic: Home-owners insurance - Bundle with auto insurance?
Replies: 7
Views: 630

Re: Likelihood of Admiral shares for the Target Retirement F

Call Vanguard. For admiral shares now, use Balanced Index fund.
by chaz
Tue Jan 20, 2015 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Likelihood of Admiral shares for the Target Retirement Funds
Replies: 20
Views: 2190

Re: Better to file taxes separately if married?

Look at IRS Pub 590-B for your answer.
by chaz
Tue Jan 20, 2015 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Better to file taxes separately if married?
Replies: 20
Views: 1558

Re: Return of the Stockpickers

It's guessing.
by chaz
Mon Jan 19, 2015 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Return of the Stockpickers
Replies: 8
Views: 702

Re: 7 nights- Scotland or Ireland?

JupiterJones wrote:If it were me, I'd choose Scotland on the basis of whisky alone. :D

Irish whisky is also good.
by chaz
Mon Jan 19, 2015 5:14 pm
 
Forum: Personal Consumer Issues
Topic: 7 nights- Scotland or Ireland?
Replies: 31
Views: 1984

Re: Real or Fake Website - Need Your Opinion

Use eBay for safety, or Amazon.
by chaz
Mon Jan 19, 2015 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Real or Fake Website - Need Your Opinion
Replies: 13
Views: 1381

Re: 7 nights- Scotland or Ireland?

DW liked the Waterford Crystal Factory.
by chaz
Mon Jan 19, 2015 1:18 pm
 
Forum: Personal Consumer Issues
Topic: 7 nights- Scotland or Ireland?
Replies: 31
Views: 1984

Re: 7 nights- Scotland or Ireland?

I have been to both, and liked both. Plenty of history.
by chaz
Mon Jan 19, 2015 11:50 am
 
Forum: Personal Consumer Issues
Topic: 7 nights- Scotland or Ireland?
Replies: 31
Views: 1984

Re: Does 3-funds offer higher returns or lower risk?

The 3-fund portfolio does not appear to be on the "efficient frontier" of risk/reward, so one takes more risk to get the same reward than with some other portfolio. That means it offers lower returns for the same risk. Or for the same reward it takes higher risk. The 2-fund portfolio is p...
by chaz
Sun Jan 18, 2015 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: Does 3-funds offer higher returns or lower risk?
Replies: 30
Views: 2578

Re: Does 3-funds offer higher returns or lower risk?

The 3-fund portfolio does not appear to be on the "efficient frontier" of risk/reward, so one takes more risk to get the same reward than with some other portfolio. That means it offers lower returns for the same risk. Or for the same reward it takes higher risk. The 2-fund portfolio is p...
by chaz
Sun Jan 18, 2015 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: Does 3-funds offer higher returns or lower risk?
Replies: 30
Views: 2578

Re: RMD withdrawals.

I take my RMD in late December to get the maximum from the compounding.
by chaz
Sun Jan 18, 2015 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD withdrawals.
Replies: 38
Views: 2555

Re: The Three Fund Portfolio

Thanks, Taylor.
by chaz
Sun Jan 18, 2015 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 444778

Re: Life Strategy and Target Funds alternative

I might add that Mike Piper personally uses the Vanguard LifeStrategy funds, which are about as pure a one-fund implementation of the three-fund portfolio as you can get. Leeraar: Mr. Piper is a very knowledgeable investor who is on our Panel of Experts at Boglehead Conferences. I agree with Mike t...
by chaz
Sun Jan 18, 2015 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 444778

Re: Why I like this forum

This forum is educational.
by chaz
Sun Jan 18, 2015 11:51 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Why I like this forum
Replies: 34
Views: 2249

Re: Here's my situation.

Go to www.vanguard.com and look at Target Retirement funds and Balanced Index fund.

Good luck.
by chaz
Sat Jan 17, 2015 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Here's my situation.
Replies: 20
Views: 2566

Re: Retirees: Do you work part-time for pay?

I have been retired for 3.5 months. While I hold some credentials that would enable me to find a part-time or a full-time job fairly easily, I have absolutely no desire to use this ability. There is much more to life than working. Victoria +1 +2 Yep, working is overrated. That's why I quit working....
by chaz
Sat Jan 17, 2015 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Retirees: Do you work part-time for pay?
Replies: 58
Views: 4913

Re: Getting deposed -- do I need to hire my own lawyer?

kenner wrote:
Christine_NM wrote:
rob wrote:I would get a suit as there seems to be peace of mond issues and for not a fortune you could get some real advice......


+1


I believe most lawyers would provide real legal advice even if you did not have a new suit.

Correct, but wear clean clothes.
by chaz
Sat Jan 17, 2015 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4475

Re: IRS Publication 590

Thanks for the info and link.
by chaz
Sat Jan 17, 2015 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Publication 590 [Revised to 590-A and 590-B]
Replies: 7
Views: 953

Re: Retirees: Do you work part-time for pay?

Dasnyc wrote:
VictoriaF wrote:I have been retired for 3.5 months. While I hold some credentials that would enable me to find a part-time or a full-time job fairly easily, I have absolutely no desire to use this ability. There is much more to life than working.

Victoria


+1

+2
by chaz
Sat Jan 17, 2015 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Retirees: Do you work part-time for pay?
Replies: 58
Views: 4913

Re: Necessary to diversify among fund families?

I'm happy with Vanguard's safety.
by chaz
Sat Jan 17, 2015 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Necessary to diversify among fund families?
Replies: 7
Views: 612

Re: Retirees: Do you work part-time for pay?

Retired means no work for pay.
by chaz
Sat Jan 17, 2015 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Retirees: Do you work part-time for pay?
Replies: 58
Views: 4913

Re: Poll: Your Max. REIT Allocation

Zero.
by chaz
Sat Jan 17, 2015 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Max. REIT Allocation
Replies: 54
Views: 3965

Re: Where do you shop for groceries?

Smith's.
by chaz
Fri Jan 16, 2015 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 8004

Re: Reporter doing story on Turbo Tax Fracas

Unlike many post here, I love TurboTax. I've used it for over 20 years, and never had any issues. I find it to be a stellar product, and I'm glad Vanguard has discounted it. Free for the Premiere version. Hire an accountant, or CPA to do your tax return and see how much your charged. It's come to m...
by chaz
Thu Jan 15, 2015 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 7042

Re: Target fund

Can she invest in a Vanguard index fund?
by chaz
Thu Jan 15, 2015 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target fund
Replies: 5
Views: 623

Re: This topic is causing stress in marriage we need some he

cheese_breath wrote:
lululu wrote:
LAlearning wrote:Sounds like the OP is MIA...


Probably doesn't care for the truth....

Patience dear friends. It's only been 6 hours since his post. Maybe he's at work at his part time job.

[OT comment removed by admin LadyGeek]
by chaz
Thu Jan 15, 2015 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 7528

Re: This topic is causing stress in marriage we need some he

LAlearning wrote:Sounds like the OP is MIA...

He's embarassed. :oops:
by chaz
Thu Jan 15, 2015 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 7528

Re: What Movie Have You Recently Watched?

The Imitation Game. A great movie.
by chaz
Thu Jan 15, 2015 2:45 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 457
Views: 53770

Re: Brokerage scams

No scam at VBS.
by chaz
Thu Jan 15, 2015 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Brokerage scams
Replies: 6
Views: 965

Re: U.S. stocks in freefall

Should I go from 70stocks/30 bonds to 0 stocks/100 bonds right now. I am tired of the market going down every day in 2015? :greedy 8-) "Stay the course" is the advice of this forum, I believe. Don't tell us to stay the course. Tell the market to stay on its course up! Victoria Lady Victor...
by chaz
Wed Jan 14, 2015 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 221150

Re: What Book Are You Currently Reading? Part VI

"Gone Girl" by Gillian Flynn. The movie was excellent. I hope I will say the same about the novel.
by chaz
Wed Jan 14, 2015 6:51 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 436
Views: 56469

Re: which Brokerage do you use...why?

VBS. 25 free trades.
by chaz
Wed Jan 14, 2015 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: which Brokerage do you use...why?
Replies: 33
Views: 2454

Re: Target Date Fund articles

Look at the forum wiki.
by chaz
Wed Jan 14, 2015 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Target Date Fund articles
Replies: 6
Views: 887

Re: Saving vs Living

Reach a happy balance.
by chaz
Wed Jan 14, 2015 11:50 am
 
Forum: Personal Consumer Issues
Topic: Saving vs Living
Replies: 33
Views: 4489

Re: What was your costliest investment mistake?

Listening to an adviser a long time ago.
by chaz
Wed Jan 14, 2015 11:47 am
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 119
Views: 9557

Re: Balanced fund advice

Toons wrote:LifeStrategy Conservative Growth is one for consideration :happy

"The Conservative Growth Fund seeks to provide current income and low to moderate capital appreciation."

https://personal.vanguard.com/us/funds/ ... IntExt=INT

An excellent option.
by chaz
Tue Jan 13, 2015 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Balanced fund advice
Replies: 12
Views: 1242

Re: Balanced fund advice

Look at the forum wiki.
by chaz
Tue Jan 13, 2015 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Balanced fund advice
Replies: 12
Views: 1242
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