Search found 312 matches

by Gort
Sat Dec 03, 2016 1:09 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 5621

Re: What percentage of international do you hold?

Vanguard now recommends between 30% and 50% international stocks. They would consider 20% too low. From Vanguard's Portfolio Watch tool " consider To further diversify your stock portfolio, consider allocating 30% to 50% to foreign stocks." Springman: Can you provide a link to Vanguard's ...
by Gort
Mon Nov 28, 2016 11:10 am
Forum: Investing - Theory, News & General
Topic: What was your Asset Allocation before and after retirement?
Replies: 91
Views: 8033

Re: What was your Asset Allocation before and after retirement?

age-20 in bonds, stopping at 50/50. retiring soon at age 64.
by Gort
Sat Nov 26, 2016 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on AA for the retired
Replies: 44
Views: 4233

Re: Thoughts on AA for the retired

My only "sticky wicket" is that as I draw down equities, I will have to do it primarily from taxable (VG Total Stock Index and Total International (78/22) thus incurring CG taxes I don't really want to owe at this point. But since virtually all my equities are in taxable, I have no choice...
by Gort
Sat Nov 26, 2016 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on AA for the retired
Replies: 44
Views: 4233

Re: Thoughts on AA for the retired

My only "sticky wicket" is that as I draw down equities, I will have to do it primarily from taxable (VG Total Stock Index and Total International (78/22) thus incurring CG taxes I don't really want to owe at this point. But since virtually all my equities are in taxable, I have no choice...
by Gort
Fri Nov 25, 2016 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: My Bonds Are Enraging Me
Replies: 43
Views: 5223

Re: My Bonds Are Enraging Me

How about using a balanced fund like one of the LifeStrategy or target retirement funds instead of individual funds. The volatility of the balanced fund will not appear as much as the individual funds and this may help you stay-the-course.
by Gort
Fri Nov 25, 2016 11:37 pm
Forum: Personal Consumer Issues
Topic: What IS this? Salad tongs for elves?
Replies: 61
Views: 5371

Re: What IS this? Salad tongs for elves?

This discussion is much more fun than debating how much international stock someone should have in their portfolio. :)
by Gort
Thu Nov 24, 2016 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on AA for the retired
Replies: 44
Views: 4233

Re: Thoughts on AA for the retired

Toons wrote:50/50
For Life.
8-)


Hi Toons,
How long have you been 50/50?
Thanks,
Gort
by Gort
Thu Nov 24, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: What IS this? Salad tongs for elves?
Replies: 61
Views: 5371

Re: What IS this? Salad tongs for elves?

Here is a nearly exact duplicate for sale. It is being sold as a Victorian skirt lifter. https://img0.etsystatic.com/137/0/6512972/il_570xN.1071935072_jjd2.jpg The item is described here: https://www.etsy.com/listing/475051604/antique-victorian-metal-skirt-lifter?ref=market Note that there are mult...
by Gort
Thu Nov 24, 2016 3:01 pm
Forum: Personal Consumer Issues
Topic: What IS this? Salad tongs for elves?
Replies: 61
Views: 5371

Re: What IS this? Salad tongs for elves?

I'm guessing a butter mold. Scoop up the butter, squeeze the "tongs" shut, and you'll form a nice scalloped disc of butter. The screw part doesn't look like part of the original device to me. I agree with Raymond, the screw was used to hang it on the wall (or some wardrobe cabinet when no...
by Gort
Thu Nov 24, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: What IS this? Salad tongs for elves?
Replies: 61
Views: 5371

Re: What IS this? Salad tongs for elves?

CFM300 for the win. Also used to keep skirts from tangling in bicycle wheels, apparently - http://dandyhorsemagazine.com/blog/2012/01/03/from-the-days-of-the-dandyhorse-the-skirt-lifter/ Not sure how the screw comes into this. Maybe the screw attached the skirt lifter to some sort of handheld woode...
by Gort
Mon Nov 21, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: Why does it take days for return credits back to credit cards?
Replies: 4
Views: 551

Why does it take days for return credits back to credit cards?

Friends, I was just wondering why does it take 3-5 business days (usually) for a vendor to return credit to your credit card after a merchandise return? This is after the returned merchandise has been inspected and accepted for return credit. The vendors certainly don't hesitate to charge your card ...
by Gort
Sat Nov 19, 2016 1:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Investor Questionnaire recommends 100% stocks!
Replies: 56
Views: 4797

Re: Vanguard Investor Questionnaire recommends 100% stocks!

does a 35% loss really help you "sleep at night" better than a 43% loss? do 23 losing years sound that much better than 25 losing years? lately i've been thinking the only meaningful overall asset allocation divisions are 100% stocks/50% stocks/0% stocks. That is so true. Personally I hav...
by Gort
Wed Nov 16, 2016 11:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Investor Questionnaire recommends 100% stocks!
Replies: 56
Views: 4797

Re: Vanguard Investor Questionnaire recommends 100% stocks!

Vanguard has two seperate asset allocation calculators. One is the "Investor Questionaire" linked in the original post. The other one is "Get a Recommendation" as linked in the nisiprius post above. The latter one seems to result in a more conservative asset allocation. Some tim...
by Gort
Wed Nov 16, 2016 1:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Investor Questionnaire recommends 100% stocks!
Replies: 56
Views: 4797

Re: Vanguard Investor Questionnaire recommends 100% stocks!

Vanguard has two seperate asset allocation calculators. One is the "Investor Questionaire" linked in the original post. The other one is "Get a Recommendation" as linked in the nisiprius post above. The latter one seems to result in a more conservative asset allocation. Some time...
by Gort
Wed Nov 09, 2016 4:39 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Index
Replies: 15
Views: 2752

Re: Total Bond Index

If you were to hold a bond fund in a taxable account, can someone tell me which one of these would be more tax efficient: Total Bond Market (VBTLX) or Intermediate-Term Bond Index (VBILX)? Thanks! I hesitate to answer because I'm not sure what you're really asking, but all those bonds are taxable. ...
by Gort
Wed Nov 09, 2016 4:28 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Index
Replies: 15
Views: 2752

Re: Total Bond Index

If you were to hold a bond fund in a taxable account, can someone tell me which one of these would be more tax efficient:
Total Bond Market (VBTLX) or Intermediate-Term Bond Index (VBILX)?
Thanks!
by Gort
Mon Oct 31, 2016 7:31 pm
Forum: Personal Consumer Issues
Topic: Visit Fairbanks, Alaska to see Northern Lights?
Replies: 10
Views: 1055

Visit Fairbanks, Alaska to see Northern Lights?

Friends, High on my bucket list is to see the Northern Lights. From my somewhat limited research it appears the easiest location for me would be to travel to Fairbanks sometime between October and March next year. I would fly commercial from Seattle to Fairbanks, stay at a hotel for 3-4 days and hav...
by Gort
Sun Oct 30, 2016 7:59 pm
Forum: Investing - Theory, News & General
Topic: How much international?
Replies: 78
Views: 6281

Re: How much international?

1/3 of equities. Since I'm 60/40, that makes the overall 40% US stocks, 20% International stocks, 40% bonds. All are low-cost index, divided between tIRA and TSP. Do I have any reason to think that's "better" than 60/40 with 30% of stocks international? No. It's just that 40/20/40 is simp...
by Gort
Mon Oct 17, 2016 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Can Vanguard rebalance better than me?
Replies: 8
Views: 1231

Can Vanguard rebalance better than me?

Friends, Do you think Vanguard's balanced funds in a tax deferred account (such as their Life Strategy and Target Retirement funds) do a better job of rebalancing rather than an individual holding the seperate funds which make up the balanced funds? By better job, I mean not missing those days in wh...
by Gort
Thu Sep 29, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Deck Repair - Semi Transparent versus Sold Stain
Replies: 10
Views: 615

Re: Deck Repair - Semi Transparent versus Sold Stain

I used a solid stain on an old redwood deck based on the recommendations of the paint store salesman who always gave me good advice on other projects. It hid the imperfections well but also hid the natural beatuty of the grain. After a couple of years it started to peel in random areas. I had to the...
by Gort
Sun Sep 04, 2016 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 55
Views: 5932

Re: Dancing on the head of a pin

Bogleheads: There are not many absolutes in investing. However, one reliable rule about bonds and bond funds is that higher expected return nearly always reflects higher risk. In my opinion, ANY good-quality, low-cost, diversified short- or intermediate-term bond fund provides safety and income in ...
by Gort
Fri Sep 02, 2016 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 55
Views: 5932

Re: Vanguard Core Bond Fund

I was interested in the Bogleheads' thoughts on this new bond fund also.
Any comments?
by Gort
Mon Aug 29, 2016 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: OK to use Muni Fund in Taxable if still room in IRA for bonds?
Replies: 19
Views: 1606

Re: OK to use Muni Fund in Taxable if still room in IRA for bonds?

Define what YOU mean by "OK" please. I think it is "OK" by my definition, but I would not do it myself because it is probably not "optimal" by my definition. :) OK in the sense that if there is a better way to do it, would there be much difference in the outcome? Thanks
by Gort
Mon Aug 29, 2016 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: OK to use Muni Fund in Taxable if still room in IRA for bonds?
Replies: 19
Views: 1606

OK to use Muni Fund in Taxable if still room in IRA for bonds?

Friends, I'm thinking of having Vanguard's Intermediate-Term muni fund in my taxable account rather than put all bonds in my traditional IRA (even though I have room in the IRA to do it). Both the taxable and IRA accounts would have identical 60/40 (stock/bond) allocations. I would do this because I...
by Gort
Sat Aug 27, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 8224

Re: What is your system for dealing with coins?

Use the Coinstar at the grocery store and then use the full value receipt to buy groceries at the same store.
by Gort
Sun Aug 21, 2016 12:40 pm
Forum: Investing - Theory, News & General
Topic: This is why a 100% stock allocation is a bad idea
Replies: 68
Views: 8943

Re: This is why a 100% stock allocation is a bad idea

FIREchief wrote:Are we going to have a companion thread for success stories? :twisted:


?
by Gort
Fri Aug 19, 2016 10:29 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 10224

Re: Favorite Restaurant Stop on Road Trips

OK, I'll say it - McDonalds! An Egg McMuffin sandwich and coffee for breakfast. It's probably the healthiest item on their menu. I don't like to spend a lot of time at breakfast when traveling.
by Gort
Sun Aug 07, 2016 9:50 pm
Forum: Personal Consumer Issues
Topic: Blocking robot calls.
Replies: 61
Views: 5015

Re: Blocking robot calls.

I have a Panasonic cordless phone and basic Ooma (not Ooma Premier). I set the Panasonic phone to silence the ringer. I set the Ooma to answer after 59 seconds (done on the Ooma website) then it goes to the Ooma voicemail. Telemarketers usually hang up long before the 59 seconds. Those who really, r...
by Gort
Sun Aug 07, 2016 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: PTTRX or RPSIX in a 401k? [which of these bond funds]
Replies: 3
Views: 440

Re: PTTRX or RPSIX in a 401k? [which of these bond funds]

I would just keep it simple and use one of the age appropriate and well-regarded T. Rowe Price retirement funds and be done with it.
by Gort
Sat Jul 30, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Retaining wall on neighbor's property
Replies: 69
Views: 5281

Re: Retaining wall on neighbor's property

I would build the wall and have the neighbor pay for it. :happy
by Gort
Wed Jul 27, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Gas grill recommendations please
Replies: 52
Views: 2535

Re: Gas grill recommendations please

Weber Spirit E210 here. Two burner. Eight years old. Waiting for it to die so I can get a slightly larger one. I think I'll be waiting a long time! :happy
by Gort
Fri Jul 22, 2016 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: USA vs. International Stock Index PERFORMANCE. Please reassure Me!
Replies: 25
Views: 2199

Re: USA vs. International Stock Index PERFORMANCE. Please reassure Me!

Vanguard confuses me a bit with their international recommendation. For example, when I check my "portfolio analysis" I get the following message concerning my equity holdings: "Vanguard research has shown that while holding some portion of a diversified equity portfolio in internatio...
by Gort
Mon Jul 18, 2016 11:13 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Mel! Boglehead #2.
Replies: 41
Views: 3304

Re: Happy Birthday, Mel! Boglehead #2.

Rajsx wrote:Hi Mel,

Happy Birthday, belated.

Thanks for your guidance on the forum

Best


:happy
by Gort
Sun Jul 17, 2016 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio / personal investment help
Replies: 5
Views: 462

Re: Portfolio / personal investment help

Thank you all so much for your advice. I will move some of the Roth IRA money into the Vanguard REIT Admiral Shares and look to a 25% bond portfolio for now. I'll also make sure that the international stock exposure is about 30% of my total stock exposure. I really appreciate everyone's thoughtful ...
by Gort
Sun Jul 10, 2016 11:06 am
Forum: Investing - Theory, News & General
Topic: S+P 500 is not very diversified
Replies: 77
Views: 5928

Re: S+P 500 is not very diversified

Google is now called Alphabet Inc.? I guess I never got the memo. From Wikipedia...Alphabet Inc. (commonly known as Alphabet) is an American multinational conglomerate created in 2015 as the parent company of Google and several other companies previously owned by Google.[5][6][7][8][9] The company ...
by Gort
Sat Jul 09, 2016 12:02 am
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 103
Views: 6339

Re: What's your asset allocation and why?

40% TSM Index 30% Total Bond Index 20% Total International Stock Index 10% Total International Bond Index (all admiral shares) 60/40 Overall portfolio. Similar to Life Strategy Moderate Growth. Retiring this year. No plans to change from 60/40. If I get tired of rebalancing or screw it up too much I...
by Gort
Sat Jul 02, 2016 11:30 am
Forum: Personal Consumer Issues
Topic: A nurse practitioner will not release my medical records! Help!
Replies: 25
Views: 2981

Re: A nurse practitioner will not release my medical records! Help!

The NP is required by law to provide you with your records upon your request in a timely manner which,obviously, has been exceeded. You could contact the Arizona State Board of Nursing to obtain her new contact information. That is public information. This assumes she is practicing in Arizona - is s...
by Gort
Wed Jun 29, 2016 2:17 pm
Forum: Investing - Theory, News & General
Topic: Actionable advice in a Brexit scenario
Replies: 162
Views: 17521

Re: Actionable advice in a Brexit scenario

I never felt particularly comfortable with international equities, but had about 25% because prevailing theory called for it. I did what I thought was my due diligence...tried to learn everything I could about Brexit...long story short I'm more confused than ever! So, I went with my what was right ...
by Gort
Wed Jun 29, 2016 10:04 am
Forum: Investing - Theory, News & General
Topic: Actionable advice in a Brexit scenario
Replies: 162
Views: 17521

Re: Actionable advice in a Brexit scenario

I never felt particularly comfortable with international equities, but had about 25% because prevailing theory called for it. I did what I thought was my due diligence...tried to learn everything I could about Brexit...long story short I'm more confused than ever! So, I went with my what was right ...
by Gort
Mon Jun 27, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Online Mattress Company Reviews
Replies: 59
Views: 6876

Re: Online Mattress Company Reviews

Reviews can only go so far on something as subjective as mattresses; do not buy unless you have a chance to try it out in a showroom, and then comparing it to its competitors. A money-back guarantee just means you'll be going without a mattress for a few weeks after they take it back and you're con...
by Gort
Mon Jun 27, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: I need a new mattress. Memory foam?
Replies: 53
Views: 3662

Re: I need a new mattress. Memory foam?

I had a Tempurpedic many years ago. I liked the firm support but I got too hot during the night and swithced back to a standard (non-memory foam) mattress within the first year. If you research memory foam mattresses you will see many comments about how warm/hot they get due to your body heat and li...
by Gort
Sun Jun 26, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: Amazon - customer service issues
Replies: 31
Views: 2516

Re: Amazon - customer service issues

TxAg wrote:Haven't had a single problem in years. This week I contacted Amazon about annorder that was 5 days late. They said "sorry, nothing they can do about it." Now it's 8 days late and still no package.


Slow as turtles!?!? :happy
by Gort
Sun Jun 26, 2016 11:18 am
Forum: Personal Consumer Issues
Topic: Amazon - customer service issues
Replies: 31
Views: 2516

Re: Amazon - customer service issues

No problems with Amazon, ever, for many, many years. My experience is that credit to your credit card return purchase starts when your package is scanned into the UPS system (at the UPS store) even before the actual shipping begins. That's both impressive and generous of Amazon.
by Gort
Wed Jun 22, 2016 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa Online Access
Replies: 30
Views: 2232

Re: Costo Visa Online Access

No problems for me. I received the Costco Citi Visa card a couple of weeks ago, went online the day I got it and confirmed with Citi the receipt of the card. Two weeks later on June 20 I went back online to set up my account at Citi without any problems - just took a couple of minutes. Purchased gas...
by Gort
Wed Jun 22, 2016 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Will there ever be a better time to sell off my international stake?
Replies: 35
Views: 3443

Re: Will there ever be a better time to sell off my international stake?

miles monroe wrote:i think the point about taxes has been made.

is it really necessary to continue to beat up a 23 year old who is trying to learn something here?


+1
by Gort
Thu Jun 09, 2016 10:04 pm
Forum: Personal Consumer Issues
Topic: CostCo Citi card arrived. But we didn't apply for it.
Replies: 31
Views: 3342

Re: CostCo Citi card arrived. But we didn't apply for it.

I haven't received an AmEx replacement card either. Excellent FICO score. I didn't use the Costco AmEx card much outside of Costco. Maybe that's why AmEx isn't interested in offering a card to me???
by Gort
Thu Jun 09, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: CostCo Citi card arrived. But we didn't apply for it.
Replies: 31
Views: 3342

Re: CostCo Citi card arrived. But we didn't apply for it.

Is AmEx reaching out to it's soon-to-be previous Costco cardholders by offering a new AmEx card?
by Gort
Fri Jun 03, 2016 2:45 pm
Forum: Investing - Theory, News & General
Topic: International stocks underperformed for the last 20 years.
Replies: 136
Views: 11423

Re: International stocks underperformed for the last 20 years.

"You don't need to do international investing because the U.S. is an international economy," - Jack Bogle Certain quotes stick with me and this is one of them. The key word is need. While Mr. Bogle stated this, in the same conversation(s) he says that he has an open mind about doing it be...

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