Search found 321 matches

by Gort
Sat Feb 11, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 95
Views: 15320

Re: USAA 2.5% Cash Back Credit Card

Just got mine! My understanding of the $1,000 minimum monthly direct deposit includes ACH transfers which qualifies your account for the 2.5% cash rewards. Anybody having trouble meeting this requirement with ACH transfers? For those interested...just spoke with USAA telephone rep. ACH is OK. :happ...
by Gort
Wed Feb 08, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 95
Views: 15320

Re: USAA 2.5% Cash Back Credit Card

Just got mine! My understanding of the $1,000 minimum monthly direct deposit includes ACH transfers which qualifies your account for the 2.5% cash rewards. Anybody having trouble meeting this requirement with ACH transfers? For those interested...just spoke with USAA telephone rep. ACH is OK. :happy
by Gort
Tue Feb 07, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 95
Views: 15320

Re: USAA 2.5% Cash Back Credit Card

Just got mine! My understanding of the $1,000 minimum monthly direct deposit includes ACH transfers which qualifies your account for the 2.5% cash rewards. Anybody having trouble meeting this requirement with ACH transfers?
by Gort
Sat Feb 04, 2017 8:17 pm
Forum: Investing - Theory, News & General
Topic: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?
Replies: 75
Views: 4857

Re: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?

1. 6 months until retirement 2. 3 funds, 67% equity/33% bonds. 3. TSM 50%, TINTL 17%, TBM 33% (Allocated between taxable and tax-deferred acccounts. Bonds in tax-deferred.) 4. Withdrawl stategy will be to withdraw as needed, no more than 4% per year for next 6 years then #5 below... 5. Military pens...
by Gort
Wed Jan 04, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 13857

Re: How old is your vehicle?

Lovely Rita wrote:Less than 3 years. What is the point of this thread?


Well, at least it's more interesting than another "how much international?" should I hold thread! :happy
by Gort
Mon Dec 26, 2016 10:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's New "Account Overview" page
Replies: 1
Views: 683

Vanguard's New "Account Overview" page

Friends, I recently noticed that the new Account Overview page/Asset Mix uses donut style pie charts instead of traditional pie charts. I find the donut style hard to interpret. At least the "Portfolio Watch" section still uses the traditional pie chart style. OK, call me old fashioned but...
by Gort
Sat Dec 17, 2016 12:43 am
Forum: Investing - Theory, News & General
Topic: What happens if Vanguard is wiped out?
Replies: 17
Views: 2991

Re: What happens if Vanguard is wiped out?

rgs92 wrote:If the OP's scenario happened, I don't think cash would be worth much. Canned food would probably be the best asset in your portfolio.


Or an egg laying hen.
by Gort
Wed Dec 14, 2016 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Balanced Funds in 401K: T Rowe Price vs American Funds
Replies: 5
Views: 479

Balanced Funds in 401K: T Rowe Price vs American Funds

Friends, My 401K has terrible bond fund choices (very limited choices and all with high ER) so I am currently using the T Rowe Price Retirement 2020 fund (ticker PARBX, ER = 0.91%). This 401K fund is the "advisor class" of the popular investor class (TRRBX, ER = 0.66%). I am comfortable wi...
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: 6402

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: 9679

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: 5250

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: 5250

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: 5781

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: 6670

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: 5250

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: 6670

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: 6670

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: 6670

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: 643

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: 5091

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: 5091

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: 5091

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: 2820

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: 2820

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: 1129

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: 80
Views: 7557

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: 1312

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: 676

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: 6430

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: 6430

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: 1711

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: 1711

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: 8637

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: 9316

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: 11054

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: 5342

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: 470

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: 5465

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: 2778

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: 2315

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: 3397

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: 501

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: 6142

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: 6887

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: 3098

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: 18037

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: 18037

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: 7491

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...

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