Search found 293 matches

by Gort
Thu Sep 29, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Deck Repair - Semi Transparent versus Sold Stain
Replies: 10
Views: 489

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: 51
Views: 4672

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: 51
Views: 4672

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: 1525

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: 1525

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: 7736

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: 8668

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: 9569

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: 4799

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: 428

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: 5013

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: 2377

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: 2136

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: 3076

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: 436

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: 5725

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: 5937

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: 2880

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: 16954

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: 16954

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: 6407

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: 3461

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: 2441

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: 2441

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: 2074

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: 3299

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: 3210

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: 3210

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: 10931

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...
by Gort
Fri Jun 03, 2016 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Getting Started: USAA vs Vanguard?
Replies: 17
Views: 1401

Re: Getting Started: USAA vs Vanguard?

Similar to others, this is what I do:
Investing: Vanguard
Banking: NFCU
Insurance: USAA.
All great companies and excellent customer service.
by Gort
Tue May 31, 2016 10:03 am
Forum: Investing - Theory, News & General
Topic: New "Flagship Select" level at Vanguard
Replies: 46
Views: 10994

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: 1305

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: 509

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: 509

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: 8064

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: 8064

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: 8064

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: 13178

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: 2137

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: 39
Views: 8680

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: 4441

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: 127
Views: 12648

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: 903

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: 3692

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: 340

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: 4874

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: 4874

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"?

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