Search found 6611 matches

by gkaplan
Fri Apr 28, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: "Jack Bogle: It's Easier to Serve One Master Than Two."
Replies: 3
Views: 671

"Jack Bogle: It's Easier to Serve One Master Than Two."

Jack Bogle opened Thursday afternoon's virtual presentation at the Morningstar Investment Conference with a prophecy. When Bogle was preparing to launch Vanguard, in 1974, he met with Jon Lovelace, who headed the large and successful American Funds complex. Lovelace told Bogle that if he followed t...
by gkaplan
Fri Apr 28, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: "Performance report: Vanguard funds stood out against peers"
Replies: 0
Views: 125

"Performance report: Vanguard funds stood out against peers"

Vanguard funds have generated excellent returns relative to competitors. As the graph below illustrates, over the past 5- and 10-year periods, 88% and 94% of our funds, respectively, have outperformed the returns of their peer-group averages. The graph also shows the percentage of Vanguard funds in...
by gkaplan
Thu Apr 27, 2017 8:54 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 143
Views: 17941

Re: Why not add a "like" button to Boglehead posts?

We are having an active exchange. We don't want a "like" button.
by gkaplan
Mon Apr 24, 2017 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Single Premium Immediate Annuity
Replies: 16
Views: 1298

Re: Single Premium Immediate Annuity

Everything you want to know about a Single Premium Immediate Annuity (SPIA) but were afraid to ask:


https://www.bogleheads.org/wiki/Immediate_fixed_annuity
by gkaplan
Mon Apr 24, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Administration Professionals Day
Replies: 14
Views: 1022

Re: Administration Professionals Day

Curious what other's do/have done for their assistants on this day? My assistant is only part time isnt the brightest star in the sky but she is loyal and trustworthy so I would like to acknowledge this is a small way. Would buying her lunch be a nice gesture? Or perhaps just a gift card? Think of ...
by gkaplan
Fri Apr 21, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 467
Views: 191346

Re: TV show recommendations?

staythecourse wrote:Right now I'm binging on "Friday Night Lights".

Would second "Bloodlines".

Good luck.



I've watched the first two seasons of Bloodlines and enjoyed it, but it's very dark and depressing.

(Edited once to correct syntax.)
by gkaplan
Fri Apr 21, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: What to do with books
Replies: 16
Views: 995

Re: What to do with books

When I retired in January 2014 and moved north to Portland, I donated about twenty boxes of books to my library.
by gkaplan
Thu Apr 20, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 467
Views: 191346

Re: TV show recommendations?

I watched the first season of Jane the Virgin. This is an incredibly good show. I heartily recommend it.
by gkaplan
Thu Apr 20, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Christine Benz: "Retirement Planning When There's an Age Gap"
Replies: 0
Views: 464

Christine Benz: "Retirement Planning When There's an Age Gap"

Sizable age gaps can create special challenges from a financial- and retirement-planning standpoint. Couples with big age differences may need to plan for different retirement dates and life expectancies--with related implications for portfolio-withdrawal strategies, asset allocation, and Social Se...
by gkaplan
Wed Apr 19, 2017 11:35 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe : Integrated Investment Plan
Replies: 35
Views: 6461

Re: Larry Swedroe : Integrated Investment Plan

I sense a fair amount of pearl clutching about how Larry handled certain interactions. My thoughts: 1) I think it is important to remember that in the vast amount of scenarios it was him responding to someone else who cast the first stone IMO. 2) He has dealt with many of the issues raised over and...
by gkaplan
Tue Apr 18, 2017 8:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard and the Department of Labor Fiduciary Rule Modifications
Replies: 7
Views: 1074

Vanguard and the Department of Labor Fiduciary Rule Modifications

Morningstar has this news article about Vanguard and the Department of Labor fiduciary rule modifications: http://www.morningstar.com/news/market-watch/TDJNMW_20170418677/vanguard-calls-for-tweaks-to-the-fiduciary-rule.html Vanguard had its own article on its website" Vanguard advocates for inv...
by gkaplan
Tue Apr 18, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: Donations to charity for 2016 tax year (and 2017)...
Replies: 9
Views: 1107

Re: Donations to charity for 2016 tax year (and 2017)...

I try to give ten percent of my AGI.
by gkaplan
Mon Apr 17, 2017 10:20 am
Forum: Investing - Theory, News & General
Topic: "Yield surge: Remember the real role of bonds"
Replies: 14
Views: 1873

"Yield surge: Remember the real role of bonds"

Bond rates continue to make headlines as the U.S. economy picks up steam and the Fed raises interest rates again. If you're feeling unsettled by the upward trend in yields, it might be helpful to remember why you invest in bonds: They can provide stability for your portfolio when stock market volat...
by gkaplan
Mon Apr 17, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: "Vanguard's free RMD Service: Sign up before you turn 70½"
Replies: 23
Views: 2534

"Vanguard's free RMD Service: Sign up before you turn 70½"

Uncle Sam never forgets about a birthday (or money that hasn't been taxed), so we want to make sure you never forget to take a required minimum distribution (RMD)—now or ever. (If you withdraw less than your RMD amount, you may owe a 50% penalty tax on the amount you don't withdraw). Never forget a...
by gkaplan
Mon Apr 17, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Christine Benz: "An Investing Road Map for Retirees"
Replies: 3
Views: 1079

Christine Benz: "An Investing Road Map for Retirees"

Even retirees who are seasoned investors will tell you that transitioning from accumulating to spending from their portfolios is a challenge. The "right" withdrawal rate and strategy seems to be a moving target. Devising an asset allocation plan that balances safety and liquidity with lon...
by gkaplan
Sat Apr 15, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Carrying a mortgage into retirement
Replies: 39
Views: 4545

Re: Carrying a mortgage into retirement

I was a life-long renter. When I retired and moved to Portland in January 2014, I intended to remain a renter; however, on the advice of my brother and sister-in-law, who had lived in Portland since June 1991, they advised me to buy, instead of rent, because of the spiraling rents. I followed their ...
by gkaplan
Fri Apr 14, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another Vanguard study on DCA vs Lump Sum
Replies: 55
Views: 3113

Re: Yet another Vanguard study on DCA vs Lump Sum

My view, which I've posted before, is if one's allocation is clearly wrong (including because of receiving a large amount of cash), and another is clearly better, it makes the most sense to go from clearly wrong to clearly better all at once, rather than spend still more time with a less-clearly wr...
by gkaplan
Fri Apr 14, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 229
Views: 22348

Re: Vanguard Customer Service

Why would you think the article was about mutual funds? The question is the sample. Was there any effort to solicit responses from brokerage customers or just CR readers that invest @ Vg. Since Vg has only been in the brokerage business for a handful of years since they "fired" Pershing m...
by gkaplan
Fri Apr 14, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 31
Views: 1981

Re: Washer/dryer suggestions?

Our top-load washer shakes so much that it cannot handle more than one or two towels, even if they are evenly distributed. Last night, it shook so much that by the time we stopped it, there was a crack in the water line and it leaked all over the floor. Our dryer is getting pretty old as well and d...
by gkaplan
Fri Apr 14, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4023

Re: What do you do with your coins?

I generally carry coins to give to the homeless.
by gkaplan
Fri Apr 14, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Cost Creep and Teen and College Years?
Replies: 52
Views: 3490

Re: Cost Creep and Teen and College Years?

There can be very unexpected expenses with teenagers. I have a friend who complains because her daughter goes through bottles of expensive shampoo and conditioner in just a few weeks and she had to have the carpet in her son's bedroom cleaned because he was shoving dirty dishes under his bed when h...
by gkaplan
Thu Apr 13, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2615
Views: 691255

Re: What Movie Have You Recently Watched?

Last night, I finished watching the first season of Jane the Virgin . The series stars Gina Rodriguez, Andrea Navedo, Yael Groblas, Justin Baldoni, Ivonne Coll, Brett Dier, Jaime Camil, with voice-over narration by Anthony Mendez. On the surface, I didn't think that this would be something that woul...
by gkaplan
Wed Apr 12, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Efficient?
Replies: 5
Views: 519

Re: Efficient?

You might also get more responses if you edited your thread title to make it less vague.
by gkaplan
Tue Apr 11, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Skeptical Tuna needs help hitting it big!
Replies: 22
Views: 2415

Re: Skeptical Tuna needs help hitting it big!

I believe we're dealing with a troll, given the thread title and the contents of his post. Really, he quit his job "a few years ago to work on a few years ago to work on some solo business ideas."?
by gkaplan
Sun Apr 09, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Trip Ideas - San Francisco & Northern CA
Replies: 31
Views: 2090

Re: Trip Ideas - San Francisco & Northern CA

Second the suggestion about Big Basin Redwood State Park.
by gkaplan
Sun Apr 09, 2017 6:54 am
Forum: Personal Consumer Issues
Topic: Book Indexing
Replies: 3
Views: 438

Re: Book Indexing

You may want to explore the American Society for Indexing:


https://www.asindexing.org/
by gkaplan
Sun Apr 09, 2017 6:44 am
Forum: Personal Consumer Issues
Topic: Online high school
Replies: 38
Views: 2331

Re: Online high school

Not enough information. Why do you want your daughter to start this summer? What does she want to do this summer?
by gkaplan
Thu Apr 06, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: VG has any funds for Frontier Markets??
Replies: 23
Views: 1753

Re: VG has any funds for Frontier Markets??

Did you check Vanguard's website?
by gkaplan
Thu Apr 06, 2017 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Calif Tax Refund Length of Time to Receive
Replies: 19
Views: 1013

Re: Calif Tax Refund Length of Time to Receive

Those of you that filed your California state tax return by mail and had a refund due, how long did it take you to receive? I mailed mine on 2/2 certified, return receipt came back almost a month later. State website says they received 3/1 and that they are taking longer than normal to process my r...
by gkaplan
Thu Apr 06, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Article--Money Funds Yielding Over 1.​0 Percent Makes News; More Coming Soon
Replies: 21
Views: 2750

Re: Article--Money Funds Yielding Over 1.​0 Percent Makes News; More Coming Soon

DaftInvestor wrote:Personally I don't get why so many people leave their money in these MMs. . . .


In my case, inertia.
by gkaplan
Thu Apr 06, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: income/expense Tracker Recommendation
Replies: 11
Views: 474

Re: income/expense Tracker Recommendation

I use two Excel spreadsheets, one for income and another for expenditures.
by gkaplan
Thu Apr 06, 2017 9:12 pm
Forum: Forum Issues and Administration
Topic: Disappearing posts?
Replies: 21
Views: 2862

Re: Disappearing posts?

traveltoomuch wrote:
traveltoomuch wrote:... that's why I think the proactive notification of deletion will help. Would you be willing to notify everyone who's contributions are deleted?


Bumping this thread in hopes of getting a direct answer to my request/suggestion.


Again, why don't you PM a moderator?
by gkaplan
Wed Apr 05, 2017 7:42 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's 6 best money and career tips for young people
Replies: 9
Views: 1646

Re: Jack Bogle's 6 best money and career tips for young people

Thread previously started.


https://www.bogleheads.org/forum/viewtopic.php?p=3314189#p3314189
by gkaplan
Wed Apr 05, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: "We're changing how we report costs. You still benefit."
Replies: 14
Views: 2433

"We're changing how we report costs. You still benefit."

We believe that keeping costs low is crucial when you're investing. The less you pay for an investment, the more money you keep working for you. And that extra money can compound over time to help you reach your investing goals. Lowering costs is in our DNA Our corporate structure allows us to main...
by gkaplan
Tue Apr 04, 2017 8:56 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2017)
Replies: 4
Views: 620

Re: madsinger monthly report (March 2017)

As of March 31, 2017, my year-to-date return is 4.74%. My annualized quarterly, one-year, three-year, five-year, and ten-year rates of return are 20.66%, 11.05%, 3.91%, 6.05%, and 4.63%, respectively. My best performing fund year-to-date has been the Vanguard Emerging Markets Stock Index Fund Admira...
by gkaplan
Sun Apr 02, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with credit card identity theft?
Replies: 22
Views: 1561

Re: How to deal with credit card identity theft?

In respect to writing Social Security numbers on medical forms, I no longer write my SS # anywhere. I recently got caught too with having credit freezes at all 3 agencies and applying for a new credit card which then was rejected. I had a dentist appointment last Monday morning. This was with a den...
by gkaplan
Sun Apr 02, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Munich,Germany- advice on things to not miss
Replies: 39
Views: 2263

Re: Munich,Germany- advice on things to not miss

We got back from our trip last night and it turned out great, I would like to thank everyone for their suggestions. The weather was great, the food was good and the sites memorable, oh and the beer was good :sharebeer Thanks everyone. Where did you go, and what did you see, in Munich? (Edited to in...
by gkaplan
Thu Mar 30, 2017 12:22 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 186
Views: 24660

Re: John Bogle on international

Gee, give it a rest. You're convinced. Not everyone is.
by gkaplan
Wed Mar 29, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: quickest or best way to learn Spanish?
Replies: 39
Views: 2700

Re: quickest or best way to learn Spanish?

I have been using Duolingo since April of last year ,every single day,,,not missing one. That coupled with many Youtube videos. Watching Spanish Cartoons, Spanish tv shows on Netflix.... Day in ,day out,,immersion. It takes practice practice..but it gets better and becomes enjoyable as time goes by...
by gkaplan
Wed Mar 29, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: quickest or best way to learn Spanish?
Replies: 39
Views: 2700

Re: quickest or best way to learn Spanish?

Watch Spanish language television stations and Spanish language movies?
by gkaplan
Wed Mar 29, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2615
Views: 691255

Re: What Movie Have You Recently Watched?

Last night, I watched Denial , directed by Mick Jackson and starring Rachael Weisz, Tom Wilkinson, and Timothy Spall. When Deborah Lipstadt spoke out against Holocaust denier David Irving over his falsification of history, she discovered that the stakes are higher than ever in the battle for histori...
by gkaplan
Wed Mar 29, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: quickest or best way to learn Spanish?
Replies: 39
Views: 2700

Re: quickest or best way to learn Spanish?

We had a rather lengthy thread several months ago on the best way to learn a language. You might want to read through that.
by gkaplan
Wed Mar 29, 2017 7:44 pm
Forum: Personal Consumer Issues
Topic: planning to visit San Francisco for a short break
Replies: 23
Views: 1591

Re: planning to visit San Francisco for a short break

Oh, and if (like me, obviously, from my nym) you're into old computers, go take in the Computer History Museum. It's just south of the SF Bay off the 101 in Mountain View, a ten or fifteen minute drive from SF. Just a tiny nit: the Computer History Museum is about 45-60 minutes from SF. Also, aroun...
by gkaplan
Mon Mar 27, 2017 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Federal pension beats high salary and savings rate? (fed vs contractor for employment)
Replies: 47
Views: 4280

Re: Federal pension beats high salary and savings rate? (fed vs contractor for employment)

I am a physician currently working for the VA. Right now, I make about 50% of what I could with my old PP job as a partner. tc. MDs and PhDs work for the VA because they believe in the mission and/or want an academic career with additional opportunities for research funding beyond the NIH (e.g., VA...
by gkaplan
Mon Mar 27, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America bogus late payment fee.[temporary software glitch, gone now]
Replies: 41
Views: 2278

Re: Bank of America bogus late payment fee.[temporary software glitch, gone now]

I don't know if this is relevant to this conversation, but I had my credit union pay my Bank of America credit card payment through its bill pay feature. The bill was due Saturday, April 1. My credit union sent the payment Thursday, March 25th, more than a week prior to its due date. As of several ...
by gkaplan
Mon Mar 27, 2017 12:40 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2615
Views: 691255

Re: What Movie Have You Recently Watched?

Tonight, I watched Sweet Dreams , the Patsy Cline bio-pic, directed by Karel Reisz, and starring Jessica Lange, Ed Harris, Ann Wedgeworth, David Clennon. I've always liked Patsy Cline, going back the sixties, but I never got around to seeing this film made in the eighties. I really liked this film, ...
by gkaplan
Sun Mar 26, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Does living at the beach reduce it's appeal?
Replies: 43
Views: 6091

Re: Does living at the beach reduce it's appeal?

island wrote:Any of you who replied care to tell us where you're located?


I moved to Portland three years ago when I retired. Before that, I lived three blocks from the beach in Ventura for almost twenty-five years. Not at the beach, as I would have liked, but close enough. It never lost its appeal.

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