Search found 245 matches

by Gort
Fri Feb 05, 2016 10:53 pm
Forum: Investing - Theory, News & General
Topic: Take the Verb Tense Pledge!
Replies: 69
Views: 3645

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: 3645

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: 1061

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: 246

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: 2896

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: 9210

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: 5175

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: 613

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: 613

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: 4012

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: 5969

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: 5950

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: 4215

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: 46
Views: 4211

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: 1515

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: 8004

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: 1059

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: 7710

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: 6897

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: 1798

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: 340

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: 698

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: 2777

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: 941

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: 2777

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: 2777

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: 906

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: 906

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: 3651

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: 705

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: 62
Views: 7339

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: 5902

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: 13116

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: 7480

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.
by Gort
Tue Jul 21, 2015 3:10 pm
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 76
Views: 7342

Re: Do you hate your vehicle infotainment system?

I have a 2015 Subaru Forester. Bluetooth for music is ok but I connected an older ipod with a USB cable to the sound system and it works great and sounds much better than the bluetooth arrangement. I can control all the songs from the ipod which is easy. I gave up on trying to use my phone through t...
by Gort
Tue Jun 23, 2015 12:08 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Index - What % of equities?
Replies: 74
Views: 8310

Re: Small Cap Index - What % of equities?

0% in the small-cap index fund. I accept the amount of small caps in the TSM index fund.
by Gort
Mon Jun 22, 2015 11:10 am
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 10217

Re: Best "All Around Lens" for Nikon DSLRs?

I have a Nikon D5100 camera with a 35 mm lens. I would like to travel with a single zoom lens (leaving the 35 mm behind) that would work in most situations and is not too heavy. Any recommendations for those of us who like to just point and shoot? Thanks in advance. Roosevelt. 97 posts so far! Roos...
by Gort
Wed Jun 17, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 10217

Re: Best "All Around Lens" for Nikon DSLRs?

The Nikon 18-200 lens is rated 4.5 stars (out of 5) by 901 individual reviewers (that's huge) at B&H Photo website. It's an outstanding go anywhere type of lens.
by Gort
Sun Jun 14, 2015 10:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard: "The long and short of finding bond balance."
Replies: 9
Views: 2398

Re: Vanguard: "The long and short of finding bond balance."

"Does it matter if the three types of bonds mentioned above are in one bond fund (such as Total Bond Market Fund) or in three separate funds?" I was wondering the same thing. Is there any merit to use equal amounts of Short-term, Intermediate-term, and Long-term Vanguard bond index funds ...
by Gort
Sat Jun 13, 2015 10:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard: "The long and short of finding bond balance."
Replies: 9
Views: 2398

Re: Vanguard: "The long and short of finding bond balance."

Muir wrote: "Does it matter if the three types of bonds mentioned above are in one bond fund (such as Total Bond Market Fund) or in three separate funds?" I was wondering the same thing. Is there any merit to use equal amounts of Short-term, Intermediate-term, and Long-term Vanguard bond i...
by Gort
Sun Jun 07, 2015 10:34 am
Forum: Investing - Theory, News & General
Topic: Year long hiatus from Bogleheads: How I found the 3-fund portfolio was right for me
Replies: 40
Views: 5410

Re: Year long hiatus from Bogleheads: How I found the 3-fund portfolio was right for me

From Rick Ferri:

Attaching yourself to a sound philosophy requires deep thought. It usually starts with a disappointment, a detailed investigation in the root of the disappointment, the analysis of data, confirmation through the writings and experiences of others, and then an epiphany.
by Gort
Sun Jun 07, 2015 10:31 am
Forum: Investing - Theory, News & General
Topic: Year long hiatus from Bogleheads: How I found the 3-fund portfolio was right for me
Replies: 40
Views: 5410

Re: Year long hiatus from Bogleheads: How I found the 3-fund portfolio was right for me

I think Rick Ferri has another point relevant to this thread, about the firming of one's investment philosophy. Here is the link for any who haven't read it: http://www.rickferri.com/blog/strategy/philosophy-differs-from-strategy/ While the theme seems to be simplifying the plan (and I certainly ha...
by Gort
Sun May 31, 2015 1:30 pm
Forum: Personal Consumer Issues
Topic: How to sell diamond ring?
Replies: 2
Views: 595

How to sell diamond ring?

Friends, I received a 1 carat diamond ring/gold band in an inheritance. Apparently the ring was purchased 8 years ago from a local jewelry store (now out of business since the owner retired) at a retail price of $6,000. I want to sell the ring. What would be the best way to do this? I know jewelry h...
by Gort
Sat May 30, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 22
Views: 1803

Re: Anyone Trying to Login to Vanguard?

Seems to be working now. :)
by Gort
Sat May 30, 2015 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 22
Views: 1803

Re: Anyone Trying to Login to Vanguard?

Nope, can't login. Maybe their server is overloaded at the end of the month?
by Gort
Sat May 23, 2015 11:16 am
Forum: Investing - Theory, News & General
Topic: Why not overweight international?
Replies: 37
Views: 3858

Re: Why not overweight international?

I like to keep things simple so I follow the Life Strategy Funds equity asset allocations since I think Vanguard knows more about this as compared to me! 60% TSM/40% Total international. :happy
by Gort
Sat May 23, 2015 9:43 am
Forum: Investing - Theory, News & General
Topic: What if the US stock market was only 25% of the world by market cap?
Replies: 37
Views: 2925

Re: What if the US stock market was only 25% of the world by market cap?

I follow the Life Strategy Funds equity asset allocations since I think Vanguard knows more than me concerning this issue. 60% TSM/40% Total international.
by Gort
Sat May 09, 2015 10:58 am
Forum: Personal Consumer Issues
Topic: Buying a Certified Pre-Owned BMW
Replies: 60
Views: 13063

Re: Buying a Certified Pre-Owned BMW

Poor OP, specifically adviced for advice on negotiations, and a lot of people went off-topic trying to talk him out of the car when he's already thought about and made the decision. I am tempted to hit the report button and turn LadyGeek loose on all you. OP, here is some actual advice. If there ar...
by Gort
Mon May 04, 2015 3:14 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 250
Views: 29720

Re: Forum software upgrade bug reports and change requests

Tamales wrote:Did the option for a poll go away?
There used to be a poll tab at the bottom of a new reply. Not there anymore.


Administrators didn't think it was important so they took it away. I liked them myself.
by Gort
Thu Apr 30, 2015 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Is $700/yr too much to pay Vanguard to have VSMGX?
Replies: 28
Views: 3669

Re: Is $700/yr too much to pay Vanguard to have VSMGX?

mhalley wrote:Hmm is 10 minutes a year to rebalance worth 700 bucks? Not to me.
Mike


That's an interesting way to look at it - thanks!

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