Search found 375 matches

by Gort
Wed Sep 06, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 3839

Re: Did Charmin UltraSoft TP become "UltraThin"?

retiredjg wrote:
Wed Sep 06, 2017 4:21 pm
Gort wrote:....Bath Tissue."
I'm not sure how people use tissues when taking a bath. :twisted:
Funny. Even Charmin calls theirs "Bathroom Tissue" which is shown in small print on their packages. I guess they know what we are supposed to use it for - never see directions on the packaging. :happy
by Gort
Wed Sep 06, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 3839

Re: Did Charmin UltraSoft TP become "UltraThin"?

I don't always use toilet paper, but when I do, I use Trader Joes "Ultra Soft Bath Tissue."
by Gort
Sat Sep 02, 2017 12:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17076

Re: [Are the Bogleheads] getting less interesting?

Gort wrote:
Thu Aug 31, 2017 9:57 pm
I wish we could restart the polls that we use to have. Not sure why the moderators took them away. The polls were always interesting and starting them again would re-energize discussion.
Bumped to see if there is any interest or thought on resurrecting the polls we used to have. :?
by Gort
Thu Aug 31, 2017 9:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17076

Re: [Are the Bogleheads] getting less interesting?

I wish we could restart the polls that we use to have. Not sure why the moderators took them away. The polls were always interesting and starting them again would re-energize discussion.
by Gort
Thu Aug 31, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: How do you reverse a lifetime of frugality and learn to spend some money?
Replies: 59
Views: 6410

Re: How do you reverse a lifetime of frugality and learn to spend some money?

HomerJ wrote:
Thu Aug 31, 2017 10:20 am
pinhead wrote:
Wed Aug 30, 2017 5:08 pm
You will be fine as long as you dont by a boat.

Travel to Asia, if you havent already.
I would far rather have a boat than travel to Asia.
Do both. Take a Slow Boat to China. :happy
by Gort
Tue Aug 29, 2017 1:47 pm
Forum: Investing - Theory, News & General
Topic: John Bogle video (discusses international)
Replies: 44
Views: 4021

Re: John Bogle video (discusses international)

sreynard wrote:
Tue Aug 29, 2017 9:55 am
Gort wrote:
Mon Aug 28, 2017 11:30 am
These "How much international should I hold?" discussions are getting old. Nothing new to add that hasn't already been said. Perhaps the moderators could merge new discussions into one global thread.
Gort, nobody is holding a ray gun to your head. . . . :wink:
OK, true. LOL.
by Gort
Tue Aug 29, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: John Bogle video (discusses international)
Replies: 44
Views: 4021

Re: John Bogle video (discusses international)

These "How much international should I hold?" discussions are getting old. Nothing new to add that hasn't already been said. Perhaps the moderators could merge new discussions into one global thread. I agree they are old, but I think it's good to keep having them, because it gives a sense of invest...
by Gort
Mon Aug 28, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Reducing International Holdings?
Replies: 14
Views: 1422

Re: Reducing International Holdings?

zimrod wrote:
Mon Aug 28, 2017 4:00 pm
Since you aren't sure what the right % is for you between US/International. Then why not simple pick the "Vanguard Total World Stock Index Fund Investor Shares (VTWSX)" as you sole stock fund? This should eliminate the problem.
+1. Wish it came in admiral shares.
by Gort
Mon Aug 28, 2017 11:30 am
Forum: Investing - Theory, News & General
Topic: John Bogle video (discusses international)
Replies: 44
Views: 4021

Re: John Bogle video (discusses international)

These "How much international should I hold?" discussions are getting old. Nothing new to add that hasn't already been said. Perhaps the moderators could merge new discussions into one global thread.
by Gort
Sat Aug 26, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Please Review my Portfolio - recommendations for selections and rebalancing?
Replies: 50
Views: 3580

Re: Please Review my Portfolio - recommendations for selections and rebalancing?

One potential problem is that the S&P 500 index in the taxable account is an exact duplicate of holdings in the tax deferred accounts. This can set up a wash sale situation if you need sell for a loss in the future. It is best to use different indexes so you do not have exact duplicates between tax...
by Gort
Sat Aug 26, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Please Review my Portfolio - recommendations for selections and rebalancing?
Replies: 50
Views: 3580

Re: Please Review my Portfolio - recommendations for selections and rebalancing?

One potential problem is that the S&P 500 index in the taxable account is an exact duplicate of holdings in the tax deferred accounts. This can set up a wash sale situation if you need sell for a loss in the future. It is best to use different indexes so you do not have exact duplicates between tax...
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: 13620

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: 13620

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: 1764

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: 4932

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: 219
Views: 40035

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: 230
Views: 31005

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: 3988

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: 12879

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: 12879

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: 230
Views: 31005

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: 34015

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: 3604

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: 3362

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: 3362

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-portfolio.html...
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: 3362

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: 3362

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-portfolio.html
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: 12756

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: 8337

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: 2429

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: 2429

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: 2429

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: 2429

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: 2429

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: 8627

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 question I...
by Gort
Sun Jun 11, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: bike rack quick release?
Replies: 9
Views: 877

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: 877

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: 3607

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: 4260

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: 4260

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: 3209

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: 8660

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: 10452

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: 29726

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: 1309

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: 1309

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: 1309

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: 42223

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: 5579

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 ...