Search found 410 matches

by Gort
Mon May 21, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 57
Views: 7302

Re: Chase Savings Account emptied out!

Pajamas wrote:
Mon May 21, 2018 2:30 pm
All they need is account number and routing number.
Easy to find. Both numbers are printed on your checks.
by Gort
Sun May 20, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Core Four questions
Replies: 13
Views: 1390

Re: Rick Ferri Core Four questions

What is a Virtual Bogleheads Community?
by Gort
Tue May 15, 2018 4:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 8944

Re: Yes, I'm 89 all right! [Jack Bogle]

A belated Happy Birthday! Thank you for all you do to help the small investor.
by Gort
Sat May 12, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: how to figure that shoes need replacing
Replies: 30
Views: 2144

Re: how to figure that shoes need replacing

Like the recent underwear thread, replace them when you have developed unwanted holes.
by Gort
Sat May 12, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Need help with Excel Spreadsheet formula
Replies: 8
Views: 535

Need help with Excel Spreadsheet formula

Friends, I have a spreadsheet that I am setting up for tracking monthly vital signs. What I want to do is display the YTD Avg which means I need to calculate the current month and divide the running total by that. Example is if we were looking at the total in March I would want divide the Total by 3...
by Gort
Tue May 08, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Do people in the forum hold foreign bonds?
Replies: 69
Views: 5676

Re: Do people in the forum hold foreign bonds?

Yes, in same allocation as the Life Strategy Moderate Fund. Using the same argument from folks who say they can't see a strong enough reason to hold them, I can't find a strong enough reason not to.
by Gort
Mon May 07, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 5926

Re: When to buy new underwear?

My experience is that briefs offer a better "buy and hold" strategy as compared to boxers. :wink:
by Gort
Mon Apr 30, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Avocado Timing
Replies: 40
Views: 2936

Re: Avocado Timing

If I buy them while still hard, do they ripen slowly (or more slowly) in the fridge? I was very tempted to say "Don't time the market". I almost resisted the temptation. :D Yes, they will keep longer in the fridge and ripen more slowly than they would on the counter. But it's a fact of life that so...
by Gort
Sun Apr 15, 2018 11:59 pm
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 6619

Re: vanguard notice - retiring our old investment platform

I expect Vanguard to provide less support to the old platform as time goes by. This may make it more difficult to transact with the old platform. That alone will probably make the stragglers convert. I don't understand the hesitance on some folks to convert. Not hesitance, observing requirement NOT...
by Gort
Fri Apr 13, 2018 8:29 pm
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 6619

Re: vanguard notice - retiring our old investment platform

I expect Vanguard to provide less support to the old platform as time goes by. This may make it more difficult to transact with the old platform. That alone will probably make the stragglers convert. I don't understand the hesitance on some folks to convert.
by Gort
Thu Apr 12, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 22641

Re: Anyone Deleting Facebook?

I was on Facebook from the beginning. Still on Facebook. I enjoy being able to communicate with friends and family as well as make new friends around the world. If you are concerned enough about Facebook privacy issues by deleting your account you shouldn't be using Google or any email app either. Y...
by Gort
Mon Apr 09, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: And yet another example why Vanguard is a 4th tier firm in regard to customer service…
Replies: 20
Views: 1879

Re: And yet another example why Vanguard if a 4th tier firm in regard to customer service…

Never a problem with Vanguard for over 20 years. Can't remember last time I changed my password.
by Gort
Sat Mar 31, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 4275

Re: Tired of gas grills rusting out...

Weber propane grill, 12 years old. Always covered when not in use. No rust. Replaced the AAA ignitor battery 6 years ago - I'm not sure why the batteries last so long! After grilling and when the grill has cooled down I clean the grates with a wire brush and lightly coat them with vegetable oil.
by Gort
Mon Mar 12, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: "An Ideal Retirement Spending Strategy?" (from Oblivious Investor)
Replies: 31
Views: 5126

"An Ideal Retirement Spending Strategy?" (from Oblivious Investor)

I found this article interesting: https://obliviousinvestor.com/an-ideal-retirement-spending-strategy/ In short, the strategy works as follows (copied from Oblivious Investor)... Delay Social Security until 70. For the part of the portfolio that is used to fund the delay, invest in something safe, s...
by Gort
Sun Mar 11, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 59
Views: 4600

Re: Men's Cologne

Commando. My favorite. :wink:
by Gort
Sat Mar 10, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Auto Issue Out now
Replies: 48
Views: 4831

Re: Consumer Reports Auto Issue Out now

dm200 wrote:
Thu Mar 08, 2018 3:22 pm
denovo wrote:
Thu Mar 08, 2018 3:18 pm
dm200 wrote:
Sat Mar 03, 2018 2:54 pm
Just received mine in the mail today. :)
What's mail :D
I also wear an analog watch that I wind twice a day.
How do you remember to wind it? :happy
by Gort
Thu Mar 01, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Just received 1099B
Replies: 11
Views: 803

Re: Just received 1099B

If the IRS owed you $3.00 would you want it?
by Gort
Fri Feb 16, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: USAA 41% More For Car Insurance
Replies: 43
Views: 2779

Re: USAA 41% More For Car Insurance

There's what insurance costs, and there's the quality of the coverage. USAA generally scores #1 or 2 every year in Consumer Reports, or every time they rate insurance companies. The few times I have had to use my USAA insurance policy, it's been the most hassle free experience. Only one time did I ...
by Gort
Fri Feb 16, 2018 12:44 am
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 169
Views: 16699

Re: Torn between Vanguard, Fidelity and Schwab

If you hold Vanguard Funds in your Vanguard brokerage account (regardless of whether it is held in one of their old mutual fund only accounts or their newer brokerage accounts), you will still be subject to the $25 annual fee per fund. This is incorrect. Please do your homework before misleading ot...
by Gort
Tue Feb 13, 2018 12:56 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 105
Views: 10556

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

I remember that a couple of years ago much of the discussions centered around the "Slice and Dice" crowd. I hardly see any of that anymore. More recently it's been how much international to hold. Most recently it's seems to be how much in bonds to hold and where to hold them. Looking past the gold w...
by Gort
Tue Feb 06, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Where to keep money to get to Social Security at age 70?
Replies: 14
Views: 1334

Re: Where to keep money to get to Social Security at age 70?

I don't see a total portfolio amount, just $200k plus an unknown amount in an IRA. Let's say that unknown amount is $1 million. Then combine the $200k with it conceptually and manage the whole thing to a 60/40 AA. That's what I'm doing to bridge a SEVEN year gap and it's working fine. Now if ALL th...
by Gort
Tue Feb 06, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Where to keep money to get to Social Security at age 70?
Replies: 14
Views: 1334

Where to keep money to get to Social Security at age 70?

Friends, I'm deferring Social Security to age 70 which is 5 years from now. Recently retired. I have my traditional IRA in the VSMGX (Vanguard Life Strategy Moderate Growth) fund which has an asset allocation of 60/40. I plan to keep the 60/40 allocation forever. I'm comfortable with that. At age 70...
by Gort
Mon Feb 05, 2018 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 47543

Re: Today was a Really Bad Day

I have everthing in tax-deferred IRA with VSMGX (Life Strategy Moderate Growth) for past 10 years. Will keep it there for the next 30 (if I live that long). Sleeping well and doing other things besides thinking about the market.
by Gort
Sun Jan 28, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Keeping a new BMW shiny!
Replies: 27
Views: 2467

Re: Keeping a new BMW shiny!

A Boglehead with a new BMW? Heresy! What color? :)
by Gort
Mon Dec 18, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 6739

Re: How do Bogleheads save on eyeglasses?

I have used Replacement Lens Express. I replace the lenses and do not buy new frames. I get a fair number of higher priced features that I thought were worth it, your mileage may vary. It has been about 50% the cost of using a bricks and mortar optometrist. Re pupilary distance: somewhere I got the...
by Gort
Mon Dec 18, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: New Car - Always use parking brake ?
Replies: 72
Views: 7344

Re: New Car - Always use parking brake ?

Another feature of the hand parking brake I utilized with a manual transmission was to use it when stopped in traffic when going up a very steep hill. After coming to a complete stop I would push and keep the clutch in, shift into 1st gear, keep my right foot on the brake pedal and apply the hand pa...
by Gort
Sat Dec 16, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: New Car - Always use parking brake ?
Replies: 72
Views: 7344

Re: New Car - Always use parking brake ?

In the old days I would pull up on the parking brake handle a little to slow the car down if I was going a bit too fast and if I noticed a police car behind me and I didn't want him to see my brake lights come on. This wouldn't work with those parking brakes that have a pedal you have to push all th...
by Gort
Fri Dec 15, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: When do I sign up for Tricare-For-Life?
Replies: 2
Views: 393

When do I sign up for Tricare-For-Life?

Friends, I will be turning 65 in a few months and I have a quick question about signing up for Medicare and Tricare-For-Life. I assume I sign up for Medicare first during the initial enrollment period (earliest is 3 months prior to age 65, latest is 3 months after and not including the month I turn ...
by Gort
Thu Dec 07, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback
Replies: 65
Views: 11369

Re: 2018 Subaru Outback

For those interested, Subaru Outback was one of only 15 cars to earn the 2018 IIHS "Top Safety Pick+" rating. The 2018 model year cars that earned the coveted ranking, Top Safety Pick+, are the BMW 5 Series, Kia Forte (sedan), Genesis G80, Genesis G90, Hyundai Santa Fe, Hyundai Santa Fe Sport, Linco...
by Gort
Wed Dec 06, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 273
Views: 20361

Re: Do people still use AAA?

1) Do you still have AAA? Yes. And we used them in 2016. Due to "operator error" we drained the battery on our car overnight while camping on the eclipse path in Nebraska, and sheepishly called AAA, which took care of us. The location was remote enough that the truck actually came from Iowa. 2) Is ...
by Gort
Tue Dec 05, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback
Replies: 65
Views: 11369

Re: 2018 Subaru Outback

I own a 2015 Subaru Forrester. Great vehicle! I find it funny how people bring up old news about Subaru's burning oil, not as reliable compared to Hondas/Toyotas. Subaru has made tremendous improvements in their products over the recent years. I believe they are on par with other brands now. I like...
by Gort
Tue Dec 05, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback
Replies: 65
Views: 11369

Re: 2018 Subaru Outback

I own a 2015 Subaru Forrester. Great vehicle! I find it funny how people bring up old news about Subaru's burning oil, not as reliable compared to Hondas/Toyotas. Subaru has made tremendous improvements in their products over the recent years. I believe they are on par with other brands now. I like ...
by Gort
Sun Nov 19, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 27
Views: 18242

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

You seem to have continual problems with service providers in the optical field. In a different thread you complained about the extra fee charged to get your wife's eyeglass Rx from her ophthalmologist. Where did you get your eyeglass Rx? Did you get it from Costco or elsewhere? If you're not happy...
by Gort
Sun Nov 19, 2017 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 27
Views: 18242

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

You seem to have continual problems with service providers in the optical field. In a different thread you complained about the extra fee charged to get your wife's eyeglass Rx from her ophthalmologist. Where did you get your eyeglass Rx? Did you get it from Costco or elsewhere? If you're not happy ...
by Gort
Wed Sep 06, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 5048

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: 5048

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: 21570

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: 21570

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: 7550

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: 4768

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: 4768

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: 1597

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: 4768

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: 4463

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: 4463

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: 17862

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: 17862

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: 2429

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: 5167

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.