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Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Applied my John Hancock. We need MORE signatures!
by steve roy
Tue Mar 03, 2015 8:10 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 174
Views: 9936

Re: The Blind Forecaster

I have what I consider to be a very careful, well-planned asset allocation. And parts of it haven't done well. (Who would have thought short-term TIPS would be so ... sucky?) But I don't flip out of the under-performers because there was a reason I bought them in the first place, and under-performan...
by steve roy
Tue Mar 03, 2015 12:28 am
 
Forum: Investing - Theory, News & General
Topic: The Blind Forecaster
Replies: 28
Views: 2222

Re: What's your average ER? [Expense Ratio]

12 basis points.
by steve roy
Mon Mar 02, 2015 11:34 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 108
Views: 5158

Re: Nasdaq Record High....

It's my experience that we learn best by making mistakes and learning the lesson they provide. On the other hand ...

"After a cat jumps on a hot stove, he never jumps on a hot stove again.
But he never jumps on a COLD one, either."

-- Mark Twain
by steve roy
Mon Mar 02, 2015 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nasdaq Record High....
Replies: 25
Views: 1858

Re: The Blind Forecaster

As the saying goes: Market forecasters are there to make gypsy fortune tellers look good.
by steve roy
Mon Mar 02, 2015 1:08 am
 
Forum: Investing - Theory, News & General
Topic: The Blind Forecaster
Replies: 28
Views: 2222

Re: I need some commets on my portfolios

I'm a wee bit confused. You have a 70% stock/ 30% fixed allocation but no bond? Then CDs? Money Market? Also, you have a list of ETFs but no percentages of what you're invested in. Percentages would help. But looking at what you have, it looks as though you have a lot of overlap between ETFs. I woul...
by steve roy
Sat Feb 28, 2015 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need some comments on my portfolios
Replies: 9
Views: 1029

Re: How does one increase their typing speed and accuracy?

I sucked in eighth grade typing class (with four "Ds" to prove it), and I suck now.

But I soldier on.
by steve roy
Fri Feb 27, 2015 10:09 pm
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 58
Views: 2265

Re: Is Vanguard understaffed?

I had an excellent Flagship representative for many years, but she was promoted and moved on up. (The consequence of being excellent?) Now I have a less excellent Flagship representative. He's personable, but less on-the-ball. My wife and I have had some issues, where we had none before. Ah well. ....
by steve roy
Fri Feb 27, 2015 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Is Vanguard understaffed?
Replies: 37
Views: 3373

Re: How do you plan on spending your time during retirement?

Recreational sleeping.

(Only partially a joke.)
by steve roy
Mon Feb 23, 2015 7:44 pm
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 3082

Re: The challenges of staying the course...

2.8%? Now that my wife has moved her stash to the Federal TSP, I'm running 5.5% over ten years with a 62% bond (much of it short term), 38% stock allocation. I have a slug of Wellesley, and the portfolio has 44% small cap, 18% mid cap, 38% large cap. I also tilt to value. Even when our VG portfolio ...
by steve roy
Mon Feb 23, 2015 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 66
Views: 5227

Re: Buy and Hold Forever Stocks

Mine is an ETF of Vanguard's Total Stock Market.

I swore off individual stocks during the period '08-'09, for reasons you can probably conjure up in your head without prompting from me.
by steve roy
Mon Feb 23, 2015 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 101
Views: 7729

Re: Portfolio Advice Please

I think you're allocation strategy is excellent, The only suggestion I have is to have a higher bond allocation, around 30%.

Outside of that? I wouldn't change a thing.
by steve roy
Sun Feb 22, 2015 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1093

Re: Whats the best Bank to have on the west coast?

cheese_breath wrote:I guess it would depend where on the west coast you go, but there are a lot of Chase branches out there. Have you checked their locations?


In my neck of California, there's a Chase branch every block-and-a-half.

They're as ubiquitous as Starbucks.
by steve roy
Sun Feb 22, 2015 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whats the best Bank to have on the west coast?
Replies: 21
Views: 1272

Re: What age do you guys plan to retire?

Twenty-one months from now. On the cusp of my 68th birthday.
by steve roy
Sun Feb 22, 2015 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8596

Re: AA: Keep constant regardless of state of market?

Very smart people -- some who post on this board -- can't predict market tops, middles and bottoms, and I know for sure that I can't. So I carve out an asset allocation I can live with, and then live with it. It might be good to sit down and reflect on how high or low your tolerance for risk is. Be ...
by steve roy
Sun Feb 22, 2015 2:04 am
 
Forum: Investing - Help with Personal Investments
Topic: AA: Keep constant regardless of state of market?
Replies: 10
Views: 934

Re: Going to Austin, TX in March. What should we be doing?

When we were in Austin, we went to the Lyndon Johnson Library at the University of Texas, also took a tour of the state capitol and went on an amphibious bus tour around the city and across the lakes.

We enjoyed all of it.
by steve roy
Sat Feb 21, 2015 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Going to Austin, TX in March. What should we be doing?
Replies: 24
Views: 1371

Re: Market Top

I just keep putting bucks into my asset allocation. I pay no attention to where the market is. None. I know it will go up, and it will go down, and that I need to save. And that reading CNBC.com for anything other than yucks buys me nothing. So I just put dollars into various Vanguard accounts week ...
by steve roy
Sat Feb 21, 2015 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: [What to do at] Market Top
Replies: 57
Views: 5027

Re: Best Use of TIPS Fund in Retirement

I had the Vanguard TIPS Intermediate fund for years. When VG offered the short-term TIPS fund, I switched to that under the (erroneous) expectation that interest rates were going up and so short-term was better than longer term. Wrongo. Despite lacklustre performance, I've kept my short-term TIPS fu...
by steve roy
Sat Feb 21, 2015 3:09 pm
 
Forum: Investing - Theory, News & General
Topic: Best Use of TIPS Fund in Retirement
Replies: 17
Views: 1592

Re: Pick-Pockets

I was pick-pocketed on Fifth Avenue in Manhattan, summer of '93. I was pushing a baby stroller, wearing shorts, and got bumped on my left side; at the same instant I felt the wallet sliding out of my right front pocket. (Teamwork!) I whipped around but couldn't figure out who had snatched it . The M...
by steve roy
Sat Feb 21, 2015 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 5115

Re: How to handle temporary blip in asset allocation?

I'm with you on number 3.

It's also the simplest. And as I travel down life's highway, I find I like and enjoy simple.
by steve roy
Sat Feb 21, 2015 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to handle temporary blip in asset allocation?
Replies: 1
Views: 180

Re: Portfolio suggestions

There's a debate here whether it's better to dollar-cost-average cash into an equity position, or go all-in.

I'm on the all-in side myself, since most studies show, I believe, that it's more effective more of the time.
by steve roy
Thu Feb 19, 2015 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio suggestions
Replies: 11
Views: 1128

Re: What Book Are You Currently Reading? Part VI

"Lincoln's Boys" - a biography about John Hay and John Nicolay, who were Abraham Lincoln's private secretaries during the Civil War. Nicolay was the senior White House aide, but Hay is the more interesting character. A dapper, 22-year-old man about Washington D.C., he became much like a so...
by steve roy
Wed Feb 18, 2015 1:09 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 511
Views: 68888

Re: Portfolio suggestions

Okay, you want input? Here's some: You tilt heavily to small cap and value. Nothing wrong with that (I do it myself), but 'twere moi , I would have 30% to 50% in large cap blend. (My own portfolio is value tilted with an equal weight to large and small cap. And mid-cap is market weight 18%-20%). Und...
by steve roy
Tue Feb 17, 2015 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio suggestions
Replies: 11
Views: 1128

Re: Portfolio Advice for a 26 Year Old

You're nowhere close to being "behind the curve." The costs inside the 401(k) seem high, but you've got the options you've got, so i wouldn't sweat it. Your asset allocations seem on point. The important thing to do now is keep tucking money away for the next forty years come hell or high ...
by steve roy
Sun Feb 15, 2015 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for a 26 Year Old
Replies: 8
Views: 740

Re: Happy Birthday to the Bogleheads.org Forum

Bogleheads.org has been very, very good to me.

Don't know what I'd do without it.
by steve roy
Sun Feb 15, 2015 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2457

Re: Moving to Vanguard

I moved a large chunk of money from my mother's accounts to Vanguard and it was fairly simple, but I had an ongoing relationship with VG. I just transferred the money from a broker to Vanguard in one lump, then talked to an account exec and put the money into various funds. Mom's accounts have done ...
by steve roy
Sat Feb 14, 2015 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving to Vanguard
Replies: 7
Views: 700

Re: Help with personal portfolio please!

At your age, I would use a 60/40 allocation (but 70/30 doesn't make much diff.) Gradually move bonds to tax advantaged side and the total stock funds to investment side. Whatever your stock-bond allocation is, give yourself 3-5 years to reach it, and use the Vanguard Target Retirement Fund to help y...
by steve roy
Sat Feb 14, 2015 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with personal portfolio please!
Replies: 16
Views: 1462

Re: Pull-ups and Push-ups

I'm still at it, LG, even as I trudge on through my 60s.
by steve roy
Sat Feb 14, 2015 7:50 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 360
Views: 52649

Re: Buffett/Hedge Fund Bet - Protege Partners' Excuses!

I think it's clear: The alibi monkeys shouldn't have taken the bet. Sadly, they couldn't foretell the future, so they did.
by steve roy
Sat Feb 14, 2015 3:17 am
 
Forum: Investing - Theory, News & General
Topic: Buffett/Hedge Fund Bet - Protege Partners' Excuses!
Replies: 34
Views: 2518

Re: How to respond when someone asks how much money you make

Agree with SR II. Not sharing wage information in a social situation is understandable. But not sharing wage information in a professional/work situation simply hampers an employee's ability to effectively negotiate pay. I deal with California companies that have often told employees NOT to share wa...
by steve roy
Fri Feb 06, 2015 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 10355

Re: 5 years as a Boglehead

Wow.

I save quite a bit, but you're made of far, FAR sterner stuff than I am. Congrats!
by steve roy
Thu Feb 05, 2015 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: 5 years as a Boglehead
Replies: 15
Views: 2210

Re: Complete and utter newbie wanting direction...

Time goes fast so start investing sooner rather than later. If you aren't entranced with immersing yourself in the "investing for retirement" game, here's an easy way to go (or get started): 1) Go to the Vanguard website. 2) Click on "balanced funds". 3) Choose a LifeStrategy or ...
by steve roy
Wed Feb 04, 2015 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Complete and utter newbie wanting direction...
Replies: 28
Views: 1870

Re: Money market vs bonds

I concur with some of the above: It's risky to constantly second-guess your investments because of this week's market news. Because it will never stop. Take a deep breath, take a long look at the Investment Plan, and if it really needs updating, then do so. I'm a few years older than you, still work...
by steve roy
Sun Feb 01, 2015 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money market vs bonds
Replies: 9
Views: 627

Re: Investing in Russia - Please Discuss

I'm still sitting on a stash of Confederate bonds, hoping they'll come back.

No luck so far, but I think positive thoughts.
by steve roy
Mon Jan 26, 2015 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in Russia - Please Discuss
Replies: 12
Views: 1018

Re: Slice and Dice with Etf and Admiral?

Our portfolio has a lot of these pieces. Total Stock Admiral. Small Cap Value Admiral. International Small Cap ETF (to avoid the extra charge.) If you plan to buy and hold (we do this), then I wouldn't sweat conversion to ETF shares from Admiral. And it's really the same big fund, so why have misgiv...
by steve roy
Mon Jan 26, 2015 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice with Etf and Admiral?
Replies: 8
Views: 668

Re: 60/40 returns with 0 downside: the Ultimate Larry Portfo

Does Larry know of this?

Because I think his official Larry portfolio is a wee bit different.
by steve roy
Mon Jan 26, 2015 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: 60/40 returns with 0 downside: the Ultimate Larry Portfolio
Replies: 16
Views: 3104

Re: Time to stop driving for 85 yo MIL

We had this problem with my grandfather. He was ticked, but he was a danger to others. Early dimentia. My father ended-up disconnecting the battery------he'd be sitting in his car bewildered why the car wouldn't start. It was really a very very sad ending to the greatest man I have even known .... ...
by steve roy
Mon Jan 26, 2015 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 5766

Re: Time to stop driving for 85 yo MIL

We took the keys away from my mother when she was 88 1/2. A total struggle. She resisted fiercely, but she had mild dementia and her three kids and doctor didn't want an avoidable accident to happen. We reported her to the DMV, they had her take a written and driving test, but she passed both. Then ...
by steve roy
Mon Jan 26, 2015 9:10 am
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 5766

Re: What Experts Say [about various investing topics]

I would say, "Many Happy Returns," but it appears that Jack Bogle and Vanguard have already given you those.

HAPPY BIRTHDAY!
by steve roy
Sun Jan 25, 2015 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say [about various investing topics]
Replies: 51
Views: 3629

Re: Portfolio review / paying debt vs investing with a windf

Re your question #1: The Mrs. and I have a similar conundrum about paying off a mortgage with an incoming chunk of money, also in the six figures. My inclination is to keep the mortgage because it's a tax deduction. Me, I would put your low six-figure windfall to work in Vanguard investments and rol...
by steve roy
Sun Jan 25, 2015 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review / paying debt vs investing with a windfall
Replies: 9
Views: 770

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

Don't believe in "forever" homes, but only in houses that suit needs ... until they don't. While single, I bought a 950 square foot house that, with wife and children, became too small. Sold it after a few years and purchased a fixer-upper that we've lived in for twenty-one winters. That a...
by steve roy
Wed Jan 21, 2015 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you pay off your "forever" home
Replies: 52
Views: 4180

Re: “How Does Aging Affect Financial Decision Making?”

My mother became unable to manage her money-house-driving-shopping in her late eighties. Happily, she had children to step in and assist, which they did. She now lives in an adult/assisted care living situation, and is doing pretty okay. But the decline of competence took place over several years, a...
by steve roy
Tue Jan 20, 2015 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 54
Views: 2830

Re: Honda Civic vs Fit Safety Question

Good and interesting test, but what we have here is a 2008 Accord (not Civic) vs. a 2008 Fit (not redesigned 2015). So the relevance is not strong. OP said "the latest US News Ranking shows an exceptionally high [safety] rating for the Fit". The video shows what happens when a subcompact ...
by steve roy
Sun Jan 18, 2015 11:34 pm
 
Forum: Personal Consumer Issues
Topic: Honda Civic vs Fit Safety Question
Replies: 55
Views: 3408

Re: Honda Civic vs Fit Safety Question

CFM300 wrote:https://www.youtube.com/watch?v=XPFdQqOLkuA


Good and interesting test, but what we have here is a 2008 Accord (not Civic) vs. a 2008 Fit (not redesigned 2015).

So the relevance is not strong.
by steve roy
Sun Jan 18, 2015 1:02 am
 
Forum: Personal Consumer Issues
Topic: Honda Civic vs Fit Safety Question
Replies: 55
Views: 3408

Re: Short term bonds in rising interest rates?

Even if the Fed begins the process of raising interest rates in 2015 what will be the impact on short-term bonds versus intermediate-term bonds? What happened with short versus intermediate bonds the last time (2003-2006) the Fed raised interest rates substantially? You should probably compare the ...
by steve roy
Sun Jan 18, 2015 12:29 am
 
Forum: Investing - Theory, News & General
Topic: Short term bonds in rising interest rates?
Replies: 26
Views: 2655

Re: Can't purchase Index funds at Ameriprise?

You'll find their mission statement buried on their website somewhere:

"Our unending goal: The orderly transfer of assets ... from your pocket to ours."
by steve roy
Sun Jan 18, 2015 12:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Can't purchase Index funds at Ameriprise?
Replies: 11
Views: 980

Re: Survey - Men Who Exercise At a Gym

In the gym, I wear t-shirt and shorts. I'm there for the weight machines and free weights, nothing else. My cardio is done out in the fresh air and sunshine, so I don't do much sweating.
by steve roy
Sat Jan 17, 2015 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Survey - Men Who Exercise At a Gym
Replies: 23
Views: 2675

Re: Eliminating the "Face Palm" Icon

I come down in favor of broad diversification of symbols. The broadest possible.

So keep the face palm. It gives participants a wider choice, and isn't that what the forum is about? Diversification? Choice? Taking one of numerous roads to Dublin?
by steve roy
Fri Jan 16, 2015 5:50 pm
 
Forum: Forum Issues and Administration
Topic: Eliminating the "Face Palm" Icon
Replies: 33
Views: 2345
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