Search found 364 matches

by Gort
Sun Aug 20, 2017 5:16 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 11901

Re: I own no international stocks. Can you guess why?

This thread will be locked soon and we'll never be able to get Taylor's response. The great answer to the "How much international equities should I own" question will remain elusive.
by Gort
Sun Aug 20, 2017 3:40 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 11901

Re: I own no international stocks. Can you guess why?

Because you moved to Canada and put all your investment assets into Canadian Maple Leaf gold coins. :moneybag
by Gort
Sun Aug 20, 2017 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to invest in gold?
Replies: 18
Views: 1500

Re: Good time to invest in gold?

100 years ago an ounce of gold would buy a nice suit. Today, an ounce of gold would buy a nice suit. Invest the money 100 years ago and your wardrobe closet would be full today.
by Gort
Fri Aug 18, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Chase for everyday banking
Replies: 42
Views: 4712

Re: Thoughts on Chase for everyday banking

Chase offers current and former military members no fee checking and savings accounts, no minimum balance, free checks, no fee cashier's checks, reduced fees on safety deposit boxes. Very nice of them to offer this! I have also found their customer service to be outstanding.
by Gort
Fri Aug 18, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 213
Views: 36088

Re: How much international stock? A suggestion.

My decision was 0% International. Two years later, I am wondering 'why I am so smart'? I look and see its up..now I'm thinking I would be smart to get international in general but not now.... Market timing is hard. :oops: Consternation. And this is what tilting results in. Even on those years when ...
by Gort
Wed Aug 09, 2017 12:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 208
Views: 26171

Re: Roll Call for the Retirement Class of 2017!

Retired today!!!! Age 64. Worked full-time for the past 36 years then slowly eased into today's retirement by working part-time in my job for the past 2 years. Much to do and see in the world now!!!!! Way to go Gort!! Welcome to the Retirement Roll Call 8-) Gort takes the award as The Most Senior B...
by Gort
Wed Aug 09, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 3612

Re: How to not obsess over investments?

Perhaps the type of securities you invest in can cause you to watch too frequently leading to some uneeded anxiety. A mixture of stock and bond mutual funds (which most Bogleheads seem to use) could be replaced by using balanced funds. Pick an index based fund (target retirenent or life stategy) fun...
by Gort
Wed Aug 02, 2017 6:45 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 66
Views: 12295

Re: Jack Bogle - Two Fund Portfolio

Incendiary wrote:azanon, you can say that again! And again! :D
+3 :happy
by Gort
Wed Aug 02, 2017 12:34 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 66
Views: 12295

Re: Jack Bogle - Two Fund Portfolio

How many Bogleheads invest in the Jack Bogle Two Fund Portfolio? Seems to me that the folks seeking such level of simplicity would be much better off with a single LifeStrategy fund (pick the one you like based on your tolerance for volatility, and be done with it). This is the recommendation I mak...
by Gort
Mon Jul 31, 2017 10:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 208
Views: 26171

Re: Roll Call for the Retirement Class of 2017!

Retired today!!!! Age 64. Worked full-time for the past 36 years then slowly eased into today's retirement by working part-time in my job for the past 2 years. Much to do and see in the world now!!!!!
by Gort
Sun Jul 30, 2017 8:08 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31845

Re: John Bogle Has Been Right About Investing In International Stocks

I'm a skeptic about investing international stock, but if I'm right, then virtually all of the companies that run target date and target retirement funds are wrong. These companies include Vanguard, Fidelity, Schwab and TRP. In fact, Vanguard recently increased their foreign equity percentage from ...
by Gort
Wed Jul 19, 2017 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington VWELX or 3 fund portfolio
Replies: 20
Views: 3417

Re: Wellington VWELX or 3 fund portfolio

I have all of my 401k in Wellington Admiral. This is mostly because most of my other choices in my 401k are not that good. Since I am over 59.5 I sweep all of what I can into my IRA every year (they don't allow me to move the company contributions). Too bad it is closed to new investors so I cannot...
by Gort
Mon Jul 17, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: Cramer makes the bull case for including bonds in your portfolio
Replies: 23
Views: 3212

Re: Cramer makes the bull case for including bonds in your portfolio

whodidntante wrote:The Day the Earth Stood Still is one of my favorite movies.


Klaatu barada nikto.
:)
by Gort
Mon Jul 17, 2017 9:55 am
Forum: Investing - Theory, News & General
Topic: Cramer makes the bull case for including bonds in your portfolio
Replies: 23
Views: 3212

Re: Cramer makes the bull case for including bonds in your portfolio

Interesting video/article from CNBC with Jim Cramer discussing the need for bonds (Treasuries) in your porfolio. It appears he likes the bond allocation to be age-10 or age-20 after age 30. "Booyah" http://www.cnbc.com/2017/06/30/cramer-makes-the-bull-case-for-including-bonds-in-your-port...
by Gort
Sun Jul 16, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: Cramer makes the bull case for including bonds in your portfolio
Replies: 23
Views: 3212

Re: Cramer makes the bull case for including bonds in your portfolio

And what Cramer says is reason to buy the ideal? lol he is so funny at his role as stock sensationalist. Gives me a headache to watch. No, just interesting to note that for someone who tries so hard to promote trading stocks that he would actually promote increasing bonds in your portfolio as you a...
by Gort
Sun Jul 16, 2017 4:27 pm
Forum: Investing - Theory, News & General
Topic: Cramer makes the bull case for including bonds in your portfolio
Replies: 23
Views: 3212

Cramer makes the bull case for including bonds in your portfolio

Interesting video/article from CNBC with Jim Cramer discussing the need for bonds (Treasuries) in your porfolio. It appears he likes the bond allocation to be age-10 or age-20 after age 30. "Booyah" http://www.cnbc.com/2017/06/30/cramer-makes-the-bull-case-for-including-bonds-in-your-portf...
by Gort
Fri Jul 14, 2017 9:43 pm
Forum: Investing - Theory, News & General
Topic: Why Does The 60/40 Work So Well?
Replies: 81
Views: 12198

Re: Why Does The 60/40 Work So Well?

I noticed the often recommended 60/40 split in a three fund portfolio is : 40% U.S. Stocks 20% International Stocks 40% Total (U.S.) Bonds Yet why no international bonds? Another option concerning the US:International ratio would be to use the amount Vanguard uses in their Life Stategy and Taget Da...
by Gort
Wed Jul 05, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Should I still buy index funds now at such a high price before an impending recession?
Replies: 59
Views: 7917

Re: Should I still buy index funds now at such a high price before an impending recession?

Hey everyone, I would like your advice on the following questions. I think a recession will occur in the near future. Should I still buy index funds now at such a high price before an impending recession? I have some stocks that are losing and some are gaining, but in the recession I expect it to d...
by Gort
Tue Jul 04, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: The conundrum I am in concerning need vs desire
Replies: 19
Views: 2253

Re: The conundrum I am in concerning need vs desire

Here's my final plan: TSM 40%, TINTL 20%, TBM 40%. Really simple, easy to understand and easy to rebalance across taxable and tax-deferred accounts. TBM will be in IRA.

Thanks again for all the comments. You all have been very helpful! :sharebeer
by Gort
Mon Jul 03, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: The conundrum I am in concerning need vs desire
Replies: 19
Views: 2253

Re: The conundrum I am in concerning need vs desire

Read up on Constant Proportion Portfolio Insurance (CPPI), a rebalancing technique. The general idea is to figure out your minimum required goals and assign a Net Present Value to them. The higher your current assets are above that number, the more risk you can take. The more risk you can take, the...
by Gort
Mon Jul 03, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: The conundrum I am in concerning need vs desire
Replies: 19
Views: 2253

Re: The conundrum I am in concerning need vs desire

Gort, every decision we make is a compromise. You mentioned a low of 50/50 and are considering going to 70/30. You have ability to go to 70/30, but no real need. 60/40 is the middle of your range, and I think is a good compromise between moderating risk and padding the portfolio for your daughter. ...
by Gort
Sun Jul 02, 2017 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: The conundrum I am in concerning need vs desire
Replies: 19
Views: 2253

Re: The conundrum I am in concerning need vs desire

It is possible to make quantitative estimates with ESTIMATES in caps. You do that by plugging the situation into a retirement calculator that can output what the possible distribution (again an estimate) of wealth will be at each point in your retirement. FireCalc does that, for example. You can th...
by Gort
Sun Jul 02, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: The conundrum I am in concerning need vs desire
Replies: 19
Views: 2253

The conundrum I am in concerning need vs desire

Friends, In just a few weeks I will be retiring and will be moving my 401K to a Vanguard traditional IRA. The IRA will be a 3-fund portfolio of TSM, TINTL, and TBM. (The current 401K is in the American Fund Balanced Fund which has approximately a 60/40 asset allocation). My military retirement and s...
by Gort
Mon Jun 12, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: HEHR-tolerance versus Loss Aversion--why setting and maintaining your own AA might be a mistake
Replies: 139
Views: 7866

Re: HEHR-tolerance versus Loss Aversion--why setting and maintaining your own AA might be a mistake

Here's a link to a question I asked some time ago concerning using a balanced fund vs using individual funds and whether or not Vanguard was better at rebalancing than me...might be interesting to the group. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=201499 And another link to a questi...
by Gort
Sun Jun 11, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: bike rack quick release?
Replies: 9
Views: 763

Re: bike rack quick release?

Sounds like any hitch rack you use will cause problems fitting the vehicle into the garage. You could buy one ratcheting wrench and one combination wrench that matches the rack's hitch bolt size and just leave those in the vehicle. That would make for easy install & removal.
by Gort
Sun Jun 11, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: bike rack quick release?
Replies: 9
Views: 763

Re: bike rack quick release?

If you don't mind buying a new bike rack, check out the Yakima Ridgeback.
by Gort
Wed Jun 07, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you redeem your credit card cash rewards?
Replies: 54
Views: 3365

How often do you redeem your credit card cash rewards?

Friends,
I was wondering how often do you redeem your credit card cash rewards? Do you save them up for something to splurge on -or- do you redeem them monthly? Just curious.
Thanks,
Gort
by Gort
Wed May 31, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Multiple seat belt tickets- options?
Replies: 36
Views: 4075

Re: Multiple seat belt tickets- options?

Thanks your all for your replies and suggestions. I got both tickets at the same time, one for each child. Since I had clean record for last 5+ years, I was also surprised that cop gave me 2 tickets without any warning or instead of just 1 ticket. I was in AZ before for 3 years and the laws for sea...
by Gort
Wed May 31, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Multiple seat belt tickets- options?
Replies: 36
Views: 4075

Re: Multiple seat belt tickets- options?

Accept responsibility and pay. An inexpensive life lesson imo. Hardly. Your insurance rates can increase dramatically, including possibly cancellation. See some of the threads on people unable to get umbrella insurance due to tickets. You have a right to pursue all avenues of the justice system. I ...
by Gort
Tue May 30, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: 20 percent international
Replies: 29
Views: 3065

Re: 20 percent international

I wish Vanguard offered an Admiral Version of the Total World Stock Index. Using that with the Total Bond Fund would be a very easy allocation to periodically rebalance. Think how easy a 50/50 portfolio would be to manage!! I know an ETF version with a lower ER than the investor share class is avail...
by Gort
Fri May 26, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: How dividends become irrelevant?
Replies: 146
Views: 8106

Re: How dividends become irrelevant?

rbaldini wrote:I've created a monster.


Yep, and after reading and trying to understand all the comments so far, I'm lost as an average investor. I'll just be staying with my TSM. It has dividends too, doesn't it? :happy
by Gort
Wed May 17, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 9956

Re: Is the Vanguard Balanced Index Fund all you need?

Bogleheads - I have wondered how many investors would be better off over the long term with this one fund in all types of accounts (i.e. taxable and tax advantaged) and simply pay any tax due. When I consider the alternative of frequent trading, high expenses, turnover, manager risk, and so forth t...
by Gort
Wed May 03, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 28091

Re: Where to Live on $60K or Less a Year?

I was surprised Boise ID isn't on your list. I've never been there but my impression is that it's affordable, relatively urbane, and the access to the mountains is unparalleled. It might be cold in the winter, but probably less than Minneapolis. Also what about Asheville NC, Burlington VT, and Ashl...
by Gort
Mon May 01, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: What is the purpose of bonds?
Replies: 20
Views: 1195

Re: What is the purpose of bonds?

Good question that I also don't quite understand. In a stock fund such as TSM, when distributions are paid to the shareholder, the net asset value (NAV) of the stock fund is reduced to a point where there is no increase in the value of your holdings after the distribution is paid. You do end up wit...
by Gort
Mon May 01, 2017 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: What is the purpose of bonds?
Replies: 20
Views: 1195

Re: What is the purpose of bonds?

They dont really fluctuate much That is the whole purpose actually. To reduce the risk thus reduce overall fund fluctuation, and make your "roller coaster ride" is more tolerable. But how do you make money off them then? I have 8k in VBMFX, about 800 shares. VBMFX pays about .02 per share...
by Gort
Mon May 01, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: What is the purpose of bonds?
Replies: 20
Views: 1195

Re: What is the purpose of bonds?

They dont really fluctuate much That is the whole purpose actually. To reduce the risk thus reduce overall fund fluctuation, and make your "roller coaster ride" is more tolerable. But how do you make money off them then? I have 8k in VBMFX, about 800 shares. VBMFX pays about .02 per share...
by Gort
Fri Apr 21, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 40017

Re: Larry Swedroe says "Goodby."

Thank you Larry for all your unselfish contributions to this board. Although I am an average investor without the great technical skill and knowledge that you have, I learned much from your writings. You helped me understand that my simple and easy to manage index portfolio was the best for my needs...
by Gort
Sat Apr 08, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Taking-In $2 Billion a Day in New Cash
Replies: 30
Views: 5438

Re: Vanguard Taking-In $2 Billion a Day in New Cash

Video by Bloomberg: m "Vanguard Taking-In $2 Billion a Day in New Cash" Vanguard taking in $2 Billion a day in new cash in Q1 2017. Where is the money coming from? Is it being pulled from other investment companies or is it new money flowing into the market? It seems like there is severe ...
by Gort
Fri Mar 31, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 12602

Re: When do you plan to die?

Probably the day after the government decides to eliminate all income tax and refund all previous taxes paid.
by Gort
Sun Mar 26, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz's Three Bucket System
Replies: 77
Views: 8754

Re: Christine Benz's Three Bucket System

There are investors/retirees who insist on buckets and so Benz satisfies their cravings. I can't stand buckets and view them as unnecessary complicated mental accounting. +1 Too many moving parts for me to keep track of. I just use the 3 fund approach and rebalance to my desired asset allocation oc...
by Gort
Tue Mar 07, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Paint kitchen cabinets or change wood floor color?
Replies: 11
Views: 1121

Paint kitchen cabinets or change wood floor color?

Friends, I purchased a new home about two years ago. The kitchen cabinets are pretty much the same color as the wood floor (dark brown). I didn't like the color combination when I bought the house and now desire to change something. I'm thinking of either having the cabinets painted an off-white (to...
by Gort
Sat Feb 11, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 30097

Re: USAA 2.5% Cash Back Credit Card

Just got mine! My understanding of the $1,000 minimum monthly direct deposit includes ACH transfers which qualifies your account for the 2.5% cash rewards. Anybody having trouble meeting this requirement with ACH transfers? For those interested...just spoke with USAA telephone rep. ACH is OK. I was...
by Gort
Wed Feb 08, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 30097

Re: USAA 2.5% Cash Back Credit Card

Gort wrote:Just got mine! My understanding of the $1,000 minimum monthly direct deposit includes ACH transfers which qualifies your account for the 2.5% cash rewards. Anybody having trouble meeting this requirement with ACH transfers?


For those interested...just spoke with USAA telephone rep. ACH is OK. :happy
by Gort
Tue Feb 07, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 30097

Re: USAA 2.5% Cash Back Credit Card

Just got mine! My understanding of the $1,000 minimum monthly direct deposit includes ACH transfers which qualifies your account for the 2.5% cash rewards. Anybody having trouble meeting this requirement with ACH transfers?
by Gort
Sat Feb 04, 2017 8:17 pm
Forum: Investing - Theory, News & General
Topic: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?
Replies: 90
Views: 8187

Re: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?

1. 6 months until retirement 2. 3 funds, 67% equity/33% bonds. 3. TSM 50%, TINTL 17%, TBM 33% (Allocated between taxable and tax-deferred acccounts. Bonds in tax-deferred.) 4. Withdrawl stategy will be to withdraw as needed, no more than 4% per year for next 6 years then #5 below... 5. Military pens...
by Gort
Wed Jan 04, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 16331

Re: How old is your vehicle?

Lovely Rita wrote:Less than 3 years. What is the point of this thread?


Well, at least it's more interesting than another "how much international?" should I hold thread! :happy
by Gort
Mon Dec 26, 2016 10:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's New "Account Overview" page
Replies: 1
Views: 803

Vanguard's New "Account Overview" page

Friends, I recently noticed that the new Account Overview page/Asset Mix uses donut style pie charts instead of traditional pie charts. I find the donut style hard to interpret. At least the "Portfolio Watch" section still uses the traditional pie chart style. OK, call me old fashioned but...