Search found 6193 matches

by gkaplan
Sat Apr 30, 2016 9:16 pm
Forum: Investing - Theory, News & General
Topic: How about a 6% flexible distribution schedule?
Replies: 14
Views: 2976

Re: Re:

That's the beauty of the 6% agressive flexible distribution schedule vs. the fixed 6% schedule. You get to take out more income from the portfolio over your retirement years. This is a nice thought especially in your first 10-15 years where many retires are most active. Of course the trade off as y...
by gkaplan
Fri Apr 29, 2016 9:52 am
Forum: Investing - Theory, News & General
Topic: "Why Fund Costs Are Dropping."
Replies: 2
Views: 425

"Why Fund Costs Are Dropping."

This week, Morningstar released its annual study on mutual fund expenses. (Take a look; it's an easy read, and very informative.) The report's title reveals its punch line: "Average Fund Costs Continued to Decline in 2015." Yes they did, as measured by dollar weighting, which gives bigger...
by gkaplan
Thu Apr 28, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 185
Views: 15470

Re: Netflix, Your Current Favorite Show

Howdy, Didn't see LIFE ON MARS on any ones list. We loved it. Kind off off the wall but really well done and lots of great actors. Wally Was there an American remake? The British original was fabulous. And so was its sequel (Ashes to Ashes?). The American remake ran only one season. https://en.wiki...
by gkaplan
Wed Apr 27, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: "Retirement by the Numbers"
Replies: 0
Views: 552

"Retirement by the Numbers"

When you're young, you celebrate each milestone on the journey to independence: learning to drive at age 16, registering to vote at age 18, and raising a glass to toast your 21st birthday. There are milestones as you approach retirement too. And while reaching your full retirement age may not be as...
by gkaplan
Mon Apr 25, 2016 10:03 am
Forum: Investing - Theory, News & General
Topic: "The Power of Index Investing"
Replies: 5
Views: 985

"The Power of Index Investing"

Indexing may be more viable and cost-effective for investors than higher-cost active management strategies. For more information, please check out Vanguard's research paper, The case for index-fund investing.... Power of Index Investing (I would change "may be" to "is" in the fi...
by gkaplan
Sun Apr 24, 2016 10:48 am
Forum: Investing - Help with Personal Investments
Topic: $150000 investment cleanup
Replies: 12
Views: 1693

Re: $150000 investment cleanup

OP, you'll get more help if you supply fund names to those tickers.
by gkaplan
Sun Apr 24, 2016 10:47 am
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 55
Views: 5654

Re: Forever Stamps as an Investment?

I bought Forever Stamps about ten years ago when stamps were something like $0.43, so how is this a bad investment?
by gkaplan
Mon Apr 18, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: FERS best day to retire usually 12/31 advice
Replies: 5
Views: 755

Re: FERS best day to retire usually 12/31 advice

Tammy Flanagan at govexec.com periodically runs a column on the best days to retire. It's very insightful. The following is a recent column of hers: http://www.govexec.com/pay-benefits/retirement-planning/2016/04/buying-bigger-retirement-benefit/127476/?oref=voices-module You might want to search th...
by gkaplan
Mon Apr 18, 2016 11:22 am
Forum: Personal Finance (Not Investing)
Topic: IRS Identity Protection PIN (IP PIN)
Replies: 2
Views: 257

IRS Identity Protection PIN (IP PIN)

Am I reading the linked page correctly that at this time one cannot create an Identity Protection Personal Identification Number (IP PIN)?

https://www.irs.gov/Individuals/Get-An-Identity-Protection-PIN

I clicked on the Get an IP pin link and nothing happened.


Thanks.
by gkaplan
Mon Apr 18, 2016 11:15 am
Forum: Forum Issues and Administration
Topic: How about a buy/sell (personal goods) forum?
Replies: 27
Views: 2036

Re: How about a buy/sell (personal goods) forum?

Please, no. This is an investing forum, not the classifieds. People here discuss what car to buy, share recipes, talk about work culture, get vacation ideas, get advice on home improvement, and so on. So, no, it is not just an investing forum. Then I suggest you volunteer your services as a Boglehe...
by gkaplan
Sun Apr 17, 2016 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: best way to go to cash/safer than stocks in Vanguard?
Replies: 16
Views: 1783

Re: best way to go to cash/safer than stocks in Vanguard?

OP, looking over your posts of the last several years, it appears you have quite a history of being in and out of the market. This current situation looks to be another repeat of the same. You can do as you like, but most of us would advise against trying to time the market. Very few succeed at tha...
by gkaplan
Sun Apr 17, 2016 8:36 pm
Forum: Forum Issues and Administration
Topic: How about a buy/sell (personal goods) forum?
Replies: 27
Views: 2036

Re: How about a buy/sell (personal goods) forum?

Please, no.

This is an investing forum, not the classifieds.
by gkaplan
Sat Apr 16, 2016 10:53 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1531
Views: 334875

Re: What Book Are You Currently Reading? Part VI

I just finished reading Last Ditch by Ngaio Marsh. Young Ricky Alleyn has come to the picturesque fishing village of Deep Cove to write. Through the sleepy little town offers few diversions, Ricky manages to find the most distracting one of all: murder. For in a muddy ditch, he sees a dead equestrie...
by gkaplan
Sat Apr 16, 2016 10:46 pm
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 4695

Re: A Month in Manhattan

New York Public Library
by gkaplan
Sat Apr 16, 2016 10:41 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1559
Views: 317073

Re: What Movie Have You Recently Watched?

I saw Code Black last night on Netflix.

This is a medical documentary in which Resident physician Ryan McGarry provides a close-up look at the inner workings of the treatment of trauma patients at Los Angeles County/USC Medical Center, one of America's busiest emergency rooms.
by gkaplan
Sat Apr 16, 2016 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: VA Medical Benefits
Replies: 13
Views: 1436

Re: VA Medical Benefits

My experience in helping my father-in-law and veteran with his finances is that if you can afford part B, D and Medigap, you will be means tested out of any VA benefits. The income threshold is pretty low for qualifying for VA benefits as a general rule. I don't really know how the level of care co...
by gkaplan
Thu Apr 14, 2016 9:35 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 429
Views: 172422

Re: TV show recommendations?

I saw Happy Valley and Hinterland on Netflix, each the second series and each very good. I saw Season Two of Bosch , the show based on the Michael Connelly novels, on Amazon. Season One was quite good, but Season Two was better. Saving the best for last, I borrowed the Season Four DVD of Homeland fr...
by gkaplan
Wed Apr 13, 2016 10:06 am
Forum: Investing - Theory, News & General
Topic: "Choosing between ETFs and mutual funds? 4 questions to help you decide"
Replies: 0
Views: 275

"Choosing between ETFs and mutual funds? 4 questions to help you decide"

So you've got your investment plan in hand, your asset allocation set, and you're ready to go. But what next? Investing today comes with many decisions. For example, let's suppose that you decide to invest in an S&P 500 index fund. If you have to choose between an S&P 500 index ETF (exchang...
by gkaplan
Wed Apr 13, 2016 10:02 am
Forum: Personal Finance (Not Investing)
Topic: "Social Security FAQ: Spousal Benefits"
Replies: 0
Views: 232

"Social Security FAQ: Spousal Benefits"

....The recent decision by Congress to phase out the file-and-suspend and restricted claim loopholes under the Bipartisan Budget Act of 2015 (BBA) has stirred up even more interest in the topic. The decision has raised public awareness of the spousal and survivor features that remain, but the chang...
by gkaplan
Wed Apr 13, 2016 9:51 am
Forum: Personal Consumer Issues
Topic: One finance/investing book you heard great things but wasn't your cup of tea.
Replies: 29
Views: 2268

Re: One finance/investing book you heard great things but wasn't your cup of tea.

I forgot the author's name, but The Wealthy Barber wasn't my cup of tea.
by gkaplan
Tue Apr 12, 2016 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 6304

Re: Retirees: what's your Withdrawal Rate for this and last year?

I guess it's 0%, since I'm living off my three annuities: RMD, Social Security, and FERS.
by gkaplan
Sun Apr 10, 2016 3:38 pm
Forum: Investing - Theory, News & General
Topic: new Vanguard paper on active management
Replies: 28
Views: 1758

Re: new Vanguard paper on active management

Enjoy the good life wrote:.... I like Vanguard and use Vanguard but if one wants a larger selection of actively managed funds, the one should look at Fidelity. They have access to many actively managed funds That have been in existence for many years....


At a cost.
by gkaplan
Sun Apr 10, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 526
Views: 56976

Re: Free Windows 10 Upgrade, Yes or No?

LadyGeek wrote:
gkaplan wrote:Which of those links are we supposed to click on?

If you are referring to Never10, it's the green "Download now" button just under the 4 screenshots.



Thank you for the clarification.
by gkaplan
Sat Apr 09, 2016 10:01 pm
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 113
Views: 1885

Re: [Vanguard Online Access Problems]

Works for me.
by gkaplan
Sat Apr 09, 2016 9:49 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 526
Views: 56976

Re: Free Windows 10 Upgrade, Yes or No?

Which of those links are we supposed to click on?
by gkaplan
Wed Apr 06, 2016 10:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard's global head of fixed income discusses bonds, rising rates, and liquidity.
Replies: 4
Views: 503

Vanguard's global head of fixed income discusses bonds, rising rates, and liquidity.

It's been a challenging time for bond investors. Bonds haven't been generating much income. Further rate hikes by the Federal Reserve could push prices down. And some fear a possible liquidity crunch. What can investors anticipate? We asked Greg Davis, global head of Vanguard's Fixed Income Group.....
by gkaplan
Fri Apr 01, 2016 9:37 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2016)
Replies: 11
Views: 1656

Re: madsinger monthly report (March 2016)

As of March 31, 2016, my year-to-date return is 1.65%. My annualized quarterly, one-year, three-year, five-year, and ten-year rates of return are 6.77%, -2.38%, 3.60%, 3.90%, and 4.71%, respectively. My best performing fund year-to-date has been the Vanguard Emerging Markets Stock Index Fund Admiral...
by gkaplan
Fri Apr 01, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 6556

Re: Five Best National Parks to Visit?

You can't go wrong with the usual suspects: Yosemite, Yellowstone, Denali, Sequoia/Redwoods, Bryce. You could spend weeks in those parks. However, I'd add two (slightly) less frequented parks: Crater Lake and Isle Royale. Crater Lake remains perhaps the single most beautiful place I've ever been, a...
by gkaplan
Wed Mar 30, 2016 9:29 am
Forum: Investing - Theory, News & General
Topic: "One Vanguard, Many DFAs"
Replies: 16
Views: 2653

"One Vanguard, Many DFAs"

The history of U.S. mutual fund indexing is Vanguard versus Dimensional Fund Advisors. In 1976, Vanguard introduced what was then called First Index Investment Trust, a fund that replicated the S&P 500. Five years later, DFA launched its U.S. 9-10 Small Company Fund. Every mutual fund indexing ...
by gkaplan
Tue Mar 29, 2016 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Slow tax refund,making of an audit?
Replies: 6
Views: 713

Re: Slow tax refund,making of an audit?

I have had a similar problem with my Oregon return. I e-filed my federal return but snail-mailed my Oregon return using certified mailing. This was about the middle of February. For about a month, every time I checked online the status of my refund, I got a message telling me that the Oregon Departm...
by gkaplan
Mon Mar 28, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Your fav [US domestic] airline - as far as flying experience?
Replies: 72
Views: 3329

Re: Your fav [US domestic] airline - as far as flying experience?

My nephew lives in Israel, and my brother and his wife generally fly to Israel once a year. This past December they flew Turkish Airlines, and they said it was one of their best experiences flying. I don't know what the security is for non El Al airlines flying to Israel? The El Al security is *imp...
by gkaplan
Mon Mar 28, 2016 9:43 am
Forum: Investing - Theory, News & General
Topic: Bonds play a valuable role in a diversified portfolio.
Replies: 15
Views: 1965

Bonds play a valuable role in a diversified portfolio.

.... Fran Kinniry, a principal in Vanguard's Investment Strategy Group, .... pointed to Vanguard research that shows that bonds of high credit quality (as rated by independent credit-rating agencies) can be effective diversifiers during periods of stock market turbulence. The accompanying chart sho...
by gkaplan
Mon Mar 28, 2016 9:33 am
Forum: Personal Consumer Issues
Topic: Your fav [US domestic] airline - as far as flying experience?
Replies: 72
Views: 3329

Re: Your fav [US domestic] airline - as far as flying experience?

My nephew lives in Israel, and my brother and his wife generally fly to Israel once a year. This past December they flew Turkish Airlines, and they said it was one of their best experiences flying.
by gkaplan
Sun Mar 27, 2016 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Who should I set as my beneficiaries - Single, No kids
Replies: 23
Views: 2153

Re: Who should I set as my beneficiaries - Single, No kids

I am single with no children.

My brother and his wife are fifty percent prime beneficiaries on both my TSP and Vanguard Roth IRA accounts. Their adult children – my nephew and my niece – are fifty percent contingent beneficiaries on both my TSP and Vanguard Roth IRA accounts.
by gkaplan
Fri Mar 25, 2016 8:16 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1531
Views: 334875

Re: What Book Are You Currently Reading? Part VI

I just finished reading Montana: the Biography of Football's Joe Cool by Keith Dunnavant. Quarterback Joe Montana led the San Francisco 49ers to four Super Bowl championships in nine years, but his fame came not just from what he did but also from the flair with which he did it. No matter how import...
by gkaplan
Tue Mar 22, 2016 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate nest egg at Vanguard?
Replies: 29
Views: 2381

Re: Consolidate nest egg at Vanguard?

I am a retired federal employee. I have my nest egg split between my TSP and Vanguard; however, if I didn't have funds in my TSP where I'm taking RMDs, I wouldn't hesitate to consolidate all my funds with Vanguard.
by gkaplan
Tue Mar 22, 2016 1:09 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund Costs
Replies: 0
Views: 169

Mutual Fund Costs

Unlike other mutual fund providers, Vanguard offers its funds "at cost." That means shareholders pay Vanguard only what it costs to manage a fund. Nothing more. What's an "expense ratio"? There are a number of activities that go into operating a fund, including investment manage...
by gkaplan
Sun Mar 20, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 24555

Re: Don't understand nutrition and exercise

This thread is really funny. OP says nutrition and exercise are confusing subjects with a lot of conflicting advice. So far, this thread consists of 7 pages of people telling him that it's simple while posting an overwhelming amount of conflicting advice, demonstrating exactly what the OP is saying...
by gkaplan
Sun Mar 20, 2016 2:33 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle [may have said] TIPS give you "income risk"
Replies: 58
Views: 4608

Re: Jack Bogle [may have said] TIPS give you "income risk"

Tried this google search: "income risk" bogle site:bogleheads.org - Google Search . Saw a few posts in which one poster said John Bogle has "referred to this as" "income risk", or something like that. One of the posts was about TIPS: TIPS versus TIAA Trad for fixed-inc...
by gkaplan
Fri Mar 18, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Be alert [for scam calls pretending to be from] Vanguard
Replies: 12
Views: 1654

Re: Be alert on calls from Vanguard

The title is a misnomer. You're not getting calls from Vanguard. You're getting calls from someone pretending to be from Vanguard.
by gkaplan
Thu Mar 17, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1531
Views: 334875

Re: What Book Are You Currently Reading? Part VI

I just finished Choked Up by Janey Mack. Introduced in Time's Up , meter reader Maisie McGrane wants more than anything to follow in the family footsteps by becoming a Chicago police officer. Unfortunately, her father made sure she flunked out of the police academy. Her boyfriend Hank is a mysteriou...
by gkaplan
Tue Mar 15, 2016 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Ebay question
Replies: 14
Views: 1349

Re: Ebay question

What's an idem?
by gkaplan
Sun Mar 13, 2016 8:18 pm
Forum: Investing - Theory, News & General
Topic: Late Starters
Replies: 61
Views: 5331

Re: Late Starters

I would love to hear encouraging stories from late starters. I consider myself a later starter for various reasons. I didn't start until I was 31, I will be 52 in June. How many here didn't start investing until early 30s and beyond and if you are well past that, I would love to hear how you did. F...
by gkaplan
Sun Mar 13, 2016 2:53 pm
Forum: Investing - Theory, News & General
Topic: Less is more [Vanguard blog - 2% economic growth prediction]
Replies: 41
Views: 4777

Re: Less is more

Comments Garland: I have been an investor for more than 50 years. One thing I've learned: No one can accurately forecast the stock market. John Kenneth Galbraith, economist: "The only function of economic forecasting is to make astrology look respectful." Best wishes. Taylor Taylor, I lov...
by gkaplan
Sun Mar 13, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: Bread - The Cost and Convenience
Replies: 94
Views: 8731

Re: Bread - The Cost and Convenience

Thank you for the information about gluten-free bread recipes.
by gkaplan
Sun Mar 13, 2016 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: TSP Participant Account Balances
Replies: 33
Views: 5183

Re: TSP Participant Account Balances

I'm a retired fed. While I'm no longer contributing to my TSP, I am taking RMDs from my TSP. In that sense, I am a participant. Anyway, I get "participant statements" quarterly and annually.
by gkaplan
Sun Mar 13, 2016 1:56 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1559
Views: 317073

Re: What Movie Have You Recently Watched?

I think it's only on Netflix: The Heavy Water War Based on the historical fact that Germany was trying desperately to develop and deploy an atomic bomb before the Allies. To do this, they needed steady supplies of high quality heavy water manufactured in occupied Norway, not in Germany. This is act...

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