Search found 341 matches

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: 6860

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 questi...
by Gort
Sun Jun 11, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: bike rack quick release?
Replies: 9
Views: 662

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: 662

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: 3035

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: 3766

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: 3766

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: 2824

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: 7376

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: 9241

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: 26068

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: 1072

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: 1072

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: 1072

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: 37732

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: 5203

Re: Vanguard Taking-In $2 Billion a Day in New Cash

Video by Bloomberg: https://www.bloomberg.com/news/videos/2017-04-07/vanguard-taking-in-2-billion-a-day-in-new-cash-video "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 o...
by Gort
Fri Mar 31, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 11691

Re: When do you plan to die?

Probably the day after the government decides to eliminate all income tax and refund all previous taxes paid.
by Gort
Sun Mar 26, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz's Three Bucket System
Replies: 77
Views: 8302

Re: Christine Benz's Three Bucket System

There are investors/retirees who insist on buckets and so Benz satisfies their cravings. I can't stand buckets and view them as unnecessary complicated mental accounting. +1 Too many moving parts for me to keep track of. I just use the 3 fund approach and rebalance to my desired asset allocation oc...
by Gort
Tue Mar 07, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Paint kitchen cabinets or change wood floor color?
Replies: 11
Views: 1040

Paint kitchen cabinets or change wood floor color?

Friends, I purchased a new home about two years ago. The kitchen cabinets are pretty much the same color as the wood floor (dark brown). I didn't like the color combination when I bought the house and now desire to change something. I'm thinking of either having the cabinets painted an off-white (to...
by Gort
Sat Feb 11, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 28805

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: 171
Views: 28805

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: 171
Views: 28805

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: 90
Views: 7792

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: 15667

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: 781

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: 3114

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: 642

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: 7429

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: 10555

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: 5733

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: 5733

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: 6218

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: 7219

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: 5733

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: 7219

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: 7219

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: 7219

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: 714

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: 5451

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: 5451

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: 5451

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: 2997

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: 2997

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: 1285

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: 8365

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: 1446

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: 782

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: 7227

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 ...

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