Search found 261 matches

by Gort
Tue May 31, 2016 10:03 am
Forum: Investing - Theory, News & General
Topic: New "Flagship Select" level at Vanguard
Replies: 37
Views: 7087

Re: New "Flagship Select" level at Vanguard

Good for Vanguard and good for those folks who make it to that level. For me, I'm going to hang out with the folks who try to maximize their credit card cash rewards :).
by Gort
Mon May 30, 2016 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: VDIGX - Dividends? [Vanguard Dividend Growth]
Replies: 10
Views: 864

Re: VDIGX - Dividends?

In the June "Morningstar Dividend Investor" newsletter (I have free access from my public library), the author states that the golden age of dividend growth is over. Also states that the first quarter of 2016, S&P 500 dividends per share rose only 4.6%, the weakest advance in nearly si...
by Gort
Sun May 22, 2016 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund(s) for automatic monthly withdrawls?
Replies: 8
Views: 443

Re: Which fund(s) for automatic monthly withdrawls?

If you wish to use automatic withdrawals, you could simply setup the monthly withdrawal from the bond fund TBM/Intermediate bond index fund in your IRA. You can rebalance the portfolio periodically to maintain AA. If AA says that stocks are above target, your rebalance by exchanging stocks to bonds...
by Gort
Sun May 22, 2016 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund(s) for automatic monthly withdrawls?
Replies: 8
Views: 443

Which fund(s) for automatic monthly withdrawls?

Hi Friends! Soon I will begin my withdrawl phase from my investments. I will use a 3 fund portfolio of TSM, TINTL, and TBM or Intermediate-term bond index once I complete my 401k transfer to a Vanguard IRA. While keeping the 3 fund portfololio in balance, I plan to withdraw a years worth of investme...
by Gort
Sun May 15, 2016 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Won the game - time to quit playing?
Replies: 46
Views: 7647

Re: Won the game - time to quit playing?

chx wrote:You likely have a self-defeating mindset if you're viewing these issues as a game that must be won or lost.


No, not viewing this as a game that must be won or lost. I should have made the subject line "Have enough, what to do now?"
by Gort
Sat May 14, 2016 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Won the game - time to quit playing?
Replies: 46
Views: 7647

Re: Won the game - time to quit playing?

Friends, Thanks for the many helpful comments. I don't think I used the correct language in the subject title and I apologize for that. I don't have a financial background and I don't always use the correct financial laguage - I'm just a guy learning much from you and trying to avoid stupid mistakes...
by Gort
Fri May 13, 2016 12:13 am
Forum: Investing - Help with Personal Investments
Topic: Won the game - time to quit playing?
Replies: 46
Views: 7647

Won the game - time to quit playing?

Friends, With your help I have accumulated enough to retire comfortably. My age is 62 and I plan to retire this year. I'm having a devil of a time trying to figure out my equity:bond asset allocation when I transfer my 401K to Vanguard. Currently I'm 58/42 (equity/bond) based on age-20 for bonds but...
by Gort
Sat May 07, 2016 9:58 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 12014

Re: Sci-Fi ... your favorite movies and episodes??

"The Day the Earth Stood Still" (1951) - duh! :wink:
by Gort
Mon Apr 25, 2016 6:25 pm
Forum: Personal Consumer Issues
Topic: Holes in the heels of black dress socks
Replies: 30
Views: 1953

Re: Holes in the heels of black dress socks

Go commando?
by Gort
Tue Mar 15, 2016 3:18 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 36
Views: 7504

Re: How Do You Like My New 'Doo

White Coat Investor wrote:I thought this thread was about snowmobiles.


:happy
by Gort
Sat Mar 05, 2016 5:19 pm
Forum: Personal Consumer Issues
Topic: Meaning of term "Board Certified Physician"?
Replies: 38
Views: 4136

Re: Meaning of term "Board Certified Physician"?

Internal Medicine vs. Family Practice As a general rule, a matriculant to a DO school is of inferior academic quality to a matriculant to an MD school, at least by any objective measure. Your statement seems awfully heavy-handed. What objective measure are you using for comparison? Average college ...
by Gort
Tue Feb 16, 2016 3:11 pm
Forum: Investing - Theory, News & General
Topic: [NY Times article: 100% Stock Allocation in Retirement]
Replies: 102
Views: 8998

Re:

Have been 100% equities for over 20 years now. I sleep wonderfully at night and at age 52 have no plans to change my sleeping patterns. Please excuse me whilst I lay my head back down on the pillow ..... zzzzzzzzzzzzzzzzzzz. David If I invested like you my brain would feel like your avatar! :shock:
by Gort
Sun Feb 14, 2016 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio without Int'l
Replies: 10
Views: 826

Re: 3 fund portfolio without Int'l

John Bogle said a while ago that most US companies are already invested in international markets, and he didn't think it was necessary anymore to have an international allocation. Isn't the opposite also true that foreign companies invest in the USA? Top 5 holdings in VGTSX (total international): N...
by Gort
Wed Feb 10, 2016 11:31 pm
Forum: Investing - Theory, News & General
Topic: Is there a rule of thumb for 50/50 Total Stock/Total Bond
Replies: 28
Views: 3461

Re: Is there a rule of thumb for 50/50 Total Stock/Total Bond

Or you could mix these two half and half and have something that stays pretty close. :happy LifeStrategy Moderate Growth 60/40 LifeStrategy Conservative Growth 40/60 Or you could mix equal amounts of: LifeStrategy Growth 80/20 LifeStrategy Income 20/80. Any advantage of (80/20 + 20/80) to (60/40 + ...
by Gort
Sun Feb 07, 2016 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Limited 401K bond fund choices...which one(s)?
Replies: 4
Views: 316

Limited 401K bond fund choices...which one(s)?

Friends, My 401K has very limited bond funds. I desire a 60/40 equity/bond allocation. The domestic and international equity funds are Vanguard admiral index funds. I'm not sure what bond fund(s) to use. Here are my choices: MFS Gov't Securities (MFGJX) 0.63% ER. Intermediate-term gov't bond. Putnam...
by Gort
Fri Feb 05, 2016 10:53 pm
Forum: Investing - Theory, News & General
Topic: Take the Verb Tense Pledge!
Replies: 69
Views: 4414

Re: Take the Verb Tense Pledge!

It appears to me that a lot of people have to much time on there hands. :wink:
by Gort
Fri Feb 05, 2016 1:06 pm
Forum: Investing - Theory, News & General
Topic: Take the Verb Tense Pledge!
Replies: 69
Views: 4414

Re: Take the Verb Tense Pledge!

Levett wrote:This whole thread makes me tense. :wink:

Lev


Don't you mean "This whole thread has made me tense"?
by Gort
Sat Jan 30, 2016 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Principle's for Investing Success
Replies: 10
Views: 1192

Vanguard - Principle's for Investing Success

Friends, Vanguard has a great section in their Advice and Guidance section called "Vanguard's principles for investing success." Link I noticed the Vanguard link is also referenced on this forum's Wiki in a PDF format. The actual Vanguard website allows some web user interaction with the g...
by Gort
Thu Jan 28, 2016 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Make up - Are my percentages correct?
Replies: 2
Views: 298

Re: Portfolio Make up - Are my percentages correct?

I have decided to add REITs to the 3 fund portfolio base, I have decided to do 30% in Bonds, 10% REITs, and 20% of my stocks in International. So would my portfolio be 30% Bonds, 10% REIT, 48% US Stock, 12% International (Int. would be 20% of 60% of stocks) Or does a 20% International allocation me...
by Gort
Tue Jan 26, 2016 10:39 pm
Forum: Investing - Theory, News & General
Topic: Any reason not to invest in a Vanguard fund that rebalances?
Replies: 41
Views: 3255

Re: Any reason not to invest in a Vanguard fund that rebalances?

Livesoft compared the performance of VSMGX (moderate growth) to the performance of the Admiral share class versions of the underlying funds https://www.bogleheads.org/forum/viewtopic.php?f=1&t=160958 and VSMGX very slightly outperformed in that time period. May not always happen, and Vanguard c...
by Gort
Mon Jan 25, 2016 7:30 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 11181

Re: What is your favorite Financial Quote or Metaphor??

Save until it hurts, then save some more.
by Gort
Thu Jan 21, 2016 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 80
Views: 5997

Re: Going from 50/50 US/Int to All US

It's interesting to compare the country diversification in a 50/50 US/Intl portfolio. When doing so, it doesn't make the 50% allocation to international seem so large. From the Vanguard website portfolio holdings of TSM and Total International, the following is the top ten (plus USA) country diversi...
by Gort
Thu Jan 21, 2016 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: What IRS tax forms to file for new Roth IRA?
Replies: 7
Views: 740

Re: What IRS tax forms to file for new Roth IRA?

Roth IRA contributions themselves do not get reported. However, you should enter them in tax software, because depending on income, Roth IRA contributions qualify for the Saver's Credit. Thanks to all for the info and especially Spirit Rider. I wasn't aware of the Saver's Credit. She does qualify. ...
by Gort
Wed Jan 20, 2016 12:17 am
Forum: Investing - Help with Personal Investments
Topic: What IRS tax forms to file for new Roth IRA?
Replies: 7
Views: 740

What IRS tax forms to file for new Roth IRA?

Friends, I helped set up a new Roth IRA for my daughter last year (2015) with Vanguard. I don't have an IRA or Roth IRA myself so I am unfamiliar with what tax forms Vanguard will send her for tax filing purposes. Are there any??? Does she report the 2015 Roth IRA contribution amount on her tax retu...
by Gort
Mon Jan 11, 2016 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: $1.3 Billion Jackpot - How would you invest it?
Replies: 76
Views: 4497

Re: $1.3 Billion Jackpot - How would you invest it?

I'd rather win $1 million and live in anonymity rather than $1.3 billion and have my entire life turned upside down :).
by Gort
Tue Dec 29, 2015 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth
Replies: 57
Views: 6417

Re: Net Worth

SpaNancy wrote:
abuss368 wrote:We should start a poll!


Can you do that ... create a Poll here?


We used to be able to do polls. I found them interesting and frequently helpful. They have been banned by the moderators for some time now. :(
by Gort
Sun Dec 27, 2015 7:10 pm
Forum: Investing - Theory, News & General
Topic: Share your current asset allocation?
Replies: 94
Views: 6655

Re: Share your current asset allocation?

Age 62. Retired.
60/40 equities/bonds
Equities: 67% Total Stock Market Index Fund (VTSAX)/33% Total International Stock Index Fund (VTIAX)
Bonds: 100% Intermediate-Term Bond Index Fund (VBILX)
by Gort
Tue Dec 22, 2015 1:16 pm
Forum: Personal Consumer Issues
Topic: Cataract billing issue - anesthesiologist
Replies: 54
Views: 4611

Re: Cataract billing issue - anesthesiologist

My wife recently had cataract surgery. The eye surgeon and surgery center expenses were all laid out upfront and co-pays and deductibles were paid in advance of the surgery. The anesthesiologist was brought in by the eye surgeon with no advance knowledge of what the charges would be. The anesthesia...
by Gort
Mon Dec 21, 2015 9:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to Launch Active "Core" Total Bond Fund
Replies: 49
Views: 6682

Re: Vanguard to Launch Active "Core" Total Bond Fund

cfs wrote:No front load, I hope.

Good to see Vanguard expanding their funds portfolio. Now, is there a .25% front load (aka purchase fee) on this one?

Thanks.


According to the SEC filing, there doesn't appear to be any purchase fees.
by Gort
Sun Dec 06, 2015 5:30 pm
Forum: Personal Consumer Issues
Topic: Travel camera (s?)
Replies: 23
Views: 1782

Re: Travel camera (s?)

The Sony RX100 is really incredible for the quality image it produces. I have the mark iii edition. The Sony menu is a bit cluttered but once you set it up to your liking it becomes a very easy camera to use. You could always just leave it in automatic mode and get excellent pictures. I usually shoo...
by Gort
Sat Dec 05, 2015 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Writing checks - a Bogleheads thing to do?
Replies: 117
Views: 9307

Re: Writing checks - a Bogleheads thing to do?

I write some checks - but not at the supermarket - I hate it when I have to wait for someone to get their checkbook out, write the check etc. I consider it being inconsiderate to those waiting behind. Of course when I pay using a credit card or a $20 bill instead of swiping a debit card those savvy...
by Gort
Sun Nov 29, 2015 6:27 pm
Forum: Personal Consumer Issues
Topic: Purchasing a telescope as a gift
Replies: 13
Views: 1185

Re: Purchasing a telescope as a gift

+1 on the binoculars. You can get a nice set in the price range you mentioned, much better than any telescope (in that same price range). You can also use it for land viewing such as wildlife and landscape. I would also recommend a tripod mount which will make the overall experience more pleasing an...
by Gort
Tue Nov 17, 2015 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Unsolicited FOR SALE SIGN at my property. Please advise.
Replies: 50
Views: 8357

Re: Unsolicited FOR SALE SIGN at my property. Please advise.

tainted-meat wrote:I didn't know signs could cause so much anxiety :happy


I guess you could say it's a sign of the times. :wink:
by Gort
Mon Nov 16, 2015 12:56 pm
Forum: Investing - Theory, News & General
Topic: Where expected returns are highest, and should you go there
Replies: 75
Views: 7819

Re: Where expected returns are highest, and should you go there

OMG - I don't understand a single bit of this discussion. Guess I'll just stay with my TSM, Total International and TBM. :?
by Gort
Mon Nov 16, 2015 12:36 pm
Forum: Personal Consumer Issues
Topic: Jeep Cherokee Limited vs Acura RDX
Replies: 16
Views: 2014

Re: Jeep Cherokee Limited vs Acura RDX

+1 for Subaru.
by Gort
Thu Nov 12, 2015 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Just upgraded to brokerage acct, what to do with Money Market fund?
Replies: 3
Views: 400

Just upgraded to brokerage acct, what to do with Money Market fund?

Friends, I just upgraded (Vanguard's term) to a brokerage account. This is a non-retirement taxable account. I now see I have a money market settlement fund along with my old Prime Money Market fund. The balance in the old money market fund is now zero as the money has been moved to the settlement f...
by Gort
Tue Nov 03, 2015 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Tricare plan selection.
Replies: 8
Views: 827

Help with Tricare plan selection.

Friends, It is now time for me to select one of the Tricare health plans for myself (no dependants). My choice is straightforward but not so simple given the complexity of the Tricare system as I understand it. My choice is either "Tricare Prime" or "Tricare Standard and Extra" (...
by Gort
Fri Oct 02, 2015 1:44 pm
Forum: Personal Consumer Issues
Topic: Wintertime Tires
Replies: 28
Views: 3062

Re: Wintertime Tires

Dropped by the library today and looked in Consumer Reports, the 2015 Buying Guide. For all season tires they recommended several, among them: Michelin Defender and Continental ProContact Eco Plus. Costco has the Michelin so I'll be suggesting that one to my ladyfriend. Any comments to the contrary...
by Gort
Fri Oct 02, 2015 1:26 pm
Forum: Personal Consumer Issues
Topic: OOMA Changes Caller ID?
Replies: 5
Views: 1078

Re: OOMA Changes Caller ID?

I have an OOMA device also connected to a cordless Panasonic phone. Basic plan (not Premiere). I entered the names and phone numbers of my "favorites" into the Panasonic phone. When one of those calls comes in, the caller ID on the Panasonic handset shows who is calling. Any other call doe...
by Gort
Thu Oct 01, 2015 12:31 pm
Forum: Personal Consumer Issues
Topic: Wintertime Tires
Replies: 28
Views: 3062

Re: Wintertime Tires

OP wants one set of tires, not separate winter and summer tires. After many years of switching tires every 6 months myself, I can't blame him! Check out the Continental TrueContact tire. TireRack has them and will ship them to a local installer for you if you desire. Check out Costco's offerings too...
by Gort
Wed Sep 30, 2015 11:32 am
Forum: Personal Consumer Issues
Topic: Wintertime Tires
Replies: 28
Views: 3062

Re: Wintertime Tires

Check out the reviews of this tire at tirerack.com. I did a quick review and it sounds like the Discount Tire salesman is not leading you astray.
by Gort
Wed Sep 02, 2015 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: 50:50 Life Strategy Mod Growth and Balanced Index?
Replies: 10
Views: 970

Re: 50:50 Life Strategy Mod Growth and Balanced Index?

Hi again! To clarify, I havent bought in to these funds - yet. In about 4 months I will be transferring my 401K to Vanguard. My 401K has terrible bond fund choices (they were good previously, had Vanguard Intermediate-Term bond index fund !!) so I have everything in T Rowe Price Retirement 2020 fund...
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: 10
Views: 970

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: 33
Views: 3905

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: 761

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: 63
Views: 8001

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: 6338

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: 103
Views: 13669

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: 80
Views: 8008

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.

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