Search found 608 matches

by oldzey
Mon May 22, 2017 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Keeping credit score up
Replies: 20
Views: 1331

Re: Keeping credit score up

I paid off my student loans 5 years ago. I currently don't have any loans (and I don't own real estate). My credit cards and all other bills are paid in full every month (I've never paid a penny in credit card interest). My credit score has steadily remained in the 805-815 range for about 3 years.
by oldzey
Sun May 21, 2017 5:56 pm
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 8068

Re: Home Country Bias...makes sense?

0% International works for me just fine here in my home country, the United States. No complaints. Thank you, Jack and Warren! :sharebeer
by oldzey
Fri May 19, 2017 1:38 am
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 52
Views: 4857

Re: Milestone and not peeking. . .

Congrats! :sharebeer
by oldzey
Thu May 18, 2017 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX need advice
Replies: 57
Views: 5351

Re: 100% VTSAX need advice

As one of the feedback, I receive from this post that Bogle is not recommending an International stock, what is another reason to buy it? Here is the link to the interview. http://www.morningstar.com/cover/videocenter.aspx?id=718644 I'm with Jack (I have 0% international investments in my portfolio...
by oldzey
Wed May 17, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX need advice
Replies: 57
Views: 5351

Re: 100% VTSAX need advice

I'm 47 years old and planning to move all my investments (approximately 950,000 US dollars) to VTSAX. I have tried Dividend Growth investing and I think I can sleep better by doing index fund. DGI is consuming a lot of my time. JLCollins in his book recommended a mix of VTSAX an VBLTX. Since I'm pl...
by oldzey
Wed May 17, 2017 1:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 905014

Re: U.S. stocks in freefall

Uncle Pennybags wrote:I knew it this is it; sell, sell, sell. :shock:


Did someone say...

Image
by oldzey
Tue May 16, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX need advice
Replies: 57
Views: 5351

Re: 100% VTSAX need advice

I'm 49 years old and my asset allocation (AA) is 60% equities (VTSAX and TIEIX) and 40% fixed income (TIAA Traditional).

After much experimentation, my 60:40 AA is the "sweet spot" - it helps me to sleep well at night and tinker less with my portfolio.
by oldzey
Wed May 10, 2017 3:23 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1332
Views: 224829

Re: What are you up YTD? [Year To Date]

60% equities / 40% fixed income.

+5.61% return YTD
by oldzey
Sat May 06, 2017 5:51 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Stream Replay
Replies: 26
Views: 1869

Re: Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Streaming Today (5/6)

The replay is up: https://finance.yahoo.com/brklivestream

The two Jack Bogle appearances are at 24:26 (recognition by Warren Buffett during the meeting and Happy 88th) and 3:58:45 (Jack interview).
by oldzey
Sat May 06, 2017 9:26 am
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Stream Replay
Replies: 26
Views: 1869

Re: Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Streaming Today (5/6)

Jack is in the crowd - Warren just had him stand up and be recognized, and he wished him a Happy 88th Birthday on Monday. :D
by oldzey
Sat May 06, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Stream Replay
Replies: 26
Views: 1869

Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Stream Replay

Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Streaming Today (5/6).

Link to stream: https://finance.yahoo.com/brklivestream
by oldzey
Wed May 03, 2017 9:20 pm
Forum: Investing - Theory, News & General
Topic: A Boglehead Guide to Buying Individual Stocks
Replies: 85
Views: 6612

Re: A Boglehead Guide to Buying Individual Stocks

A Boglehead Guide to Buying Individual Stocks:

Don't!
by oldzey
Mon May 01, 2017 10:12 pm
Forum: Investing - Theory, News & General
Topic: "The Road Less Traveled" by John Bogle
Replies: 31
Views: 3978

Re: "The Road Less Traveled" by John Bogle

dwickenh wrote:
abuss368 wrote:Thank you for sharing Taylor. This speech is on my pile to read!


+1 Me too

Dan


+1 Same here

oldzey
by oldzey
Mon May 01, 2017 1:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: John Bogle's Legacy!
Replies: 19
Views: 2846

Re: John Bogle's Legacy!

Thanks for changing the title of this post.
by oldzey
Mon May 01, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs CREF Equity Index
Replies: 61
Views: 3108

Re: TIAA Real Estate vs CREF Equity Index

livesoft wrote:If one wants an alternative funky investment that one cannot understand and will just go by faith owning, then use the TIAA REA.


This should be on the cover page of the TIAA REA prospectus.
by oldzey
Sat Apr 29, 2017 2:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Go Inside Jack's Office
Replies: 21
Views: 2460

Re: Go Inside Jack's Office

Thank you for the link to the video. My Dad just turned 82 and still goes into work 3 times a week - I need to show him this. :D
by oldzey
Fri Apr 28, 2017 11:46 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 202
Views: 15037

Re: What is your overall portfolio weighted expense ratio

oldzey wrote:0.05% ER overall across 403b, Roth, and Taxable accounts.


Make that 0.0425%. :beer
by oldzey
Fri Apr 28, 2017 3:00 pm
Forum: Investing - Theory, News & General
Topic: The Importance of “Cash on Hand” to Life Satisfaction
Replies: 29
Views: 3486

Re: The Importance of “Cash on Hand” to Life Satisfaction

I have $107 left in my checking account. I feel satisfied that virtually all of my funds are invested, and I'll invest more on Monday (payday). :beer
by oldzey
Thu Apr 27, 2017 11:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Lower ER .04%
Replies: 56
Views: 5617

Re: Vanguard New Lower ER .04%

Thank you, Vanguard! :beer
by oldzey
Mon Apr 24, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: understanding TIAA-CREF
Replies: 22
Views: 1439

Re: understanding TIAA-CREF

TIAA Traditional is a pretty amazing investment instrument to have access to. Think twice before you get rid of it. :sharebeer
by oldzey
Mon Apr 24, 2017 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Real-Estate so Bad?
Replies: 113
Views: 8961

Re: Why is Real-Estate so Bad?

Oldzey, what an enlightening perspective on home ownership, thanks! My pleasure! Home ownership is a lifestyle choice, one that I have chosen (so far) not to partake in. Of course, I'm an expert on home ownership (never having owned a home before). Going along with the home, I'm also an expert on m...
by oldzey
Mon Apr 24, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Why is Real-Estate so Bad?
Replies: 113
Views: 8961

Re: Why is Real-Estate so Bad?

Since you asked, I'll give a link to JL Collins' take on real estate: http://jlcollinsnh.com/2013/05/29/why-your-house-is-a-terrible-investment/ Be sure to read the comments after the article - a good mix of pro & con opinions of real estate ownership. For what it's worth, my Mom and Dad are rea...
by oldzey
Fri Apr 21, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 96
Views: 10892

Re: Single most important investing advice?

Start by investing in yourself (education, vocational, on-the-job training, etc.). Your earnings potential comes first.
by oldzey
Thu Apr 20, 2017 12:16 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36611

Re: Larry Swedroe says "Goodby."

Thank you, Larry!
by oldzey
Wed Apr 19, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 12672

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

I used to work in a restaurant back in high school (30+ years ago). My boss had this saying taped to the wall next to the timeclock: "If you work for a man, in heaven's name work for him, speak well of him, and stand by the institution he represents. Remember, an ounce of loyalty is worth a pou...
by oldzey
Wed Apr 19, 2017 5:53 pm
Forum: Investing - Theory, News & General
Topic: Article-Argument against Buffet and Bogle's International Advice
Replies: 36
Views: 4205

Re: Article-Argument against Buffet and Bogle's International Advice

I'm with Jack and Warren - 0% International works for me. :D
by oldzey
Tue Apr 18, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 13720

Re: Too much inheritance to handle. Advice needed

Sandtrap wrote:Read "Boglheads" wiki "Managing a Windfall".
Use search box upper right corner.


+1

https://www.bogleheads.org/wiki/Managing_a_windfall
by oldzey
Mon Apr 17, 2017 4:38 pm
Forum: Investing - Theory, News & General
Topic: comparing total returns of vfinx and avisx from inception date of 8/31/76
Replies: 6
Views: 489

Re: comparing total returns of vfinx and avisx from inception date of 8/31/76

Not sure, but that huge commission was why I moved from American Funds to Vanguard over 20 years ago! :beer
by oldzey
Mon Apr 17, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: comparing total returns of vfinx and avisx from inception date of 8/31/76
Replies: 6
Views: 489

Re: comparing total returns of vfinx and avisx from inception date of 8/31/76

Do you mean VFINX (Vanguard 500 Index Fund Investor Class) and AIVSX (American Funds Investment Company of America® Class A), perhaps?

Link to chart
by oldzey
Sun Apr 16, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Which funds should be in my taxable account? (401k and Roth IRA are in target funds)
Replies: 9
Views: 733

Re: Which funds should be in my taxable account? (401k and Roth IRA are in target funds)

rzk96, I forgot to welcome you to the forum as well. Welcome! 8-) Just wanted to point you to the getting started link for new members: https://www.bogleheads.org/wiki/Getting_started I also would like to point you to Rick Van Ness' excellent videos (Rule #8 pertains to placement of funds in various...
by oldzey
Sun Apr 16, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Which funds should be in my taxable account? (401k and Roth IRA are in target funds)
Replies: 9
Views: 733

Re: Which funds should be in my taxable account? (401k and Roth IRA are in target funds)

I agree with CABob - you're looking for funds that provide tax-efficiency in your taxable accounts.

I use 100% Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) in my taxable account.
by oldzey
Mon Apr 10, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Windows-10 "upgrade" coming April 11. What to disable?
Replies: 25
Views: 3109

Re: Windows-10 "upgrade" coming April 11. What to disable?

Apparently they are calling it the "creators update," and have an even larger update coming later in the year. I know some people here delve into these things for a living. Any recommendations on settings/features to check or disable after the creators update is forced upon us? Here's a s...
by oldzey
Mon Apr 10, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 24355

Re: Low-earners- What is your profession?

I just want to give OP some appreciation for making an insightful as well as refreshing thread. Some posters in this thread stated that they can retire at an early age (less than 50 yrs. old) even though they are categorized as low-income earners. How is this achievable? Is it simply living in the ...
by oldzey
Sun Apr 09, 2017 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 24355

Re: Low-earners- What is your profession?

Assistant Professor. I earn ~$70K per year.
by oldzey
Wed Apr 05, 2017 11:23 pm
Forum: Investing - Theory, News & General
Topic: "10-investing-lessons-of-the-century (so-far)"
Replies: 12
Views: 2010

Re: "10-investing-lessons-of-the-century (so-far)"

Good one - thanks for the link!
by oldzey
Mon Apr 03, 2017 2:54 pm
Forum: Investing - Theory, News & General
Topic: 100% stocks in ROTH?
Replies: 27
Views: 1743

Re: 100% stocks in ROTH?

100% stocks in ROTH? That's what I do.
by oldzey
Thu Mar 30, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 11006

Re: When do you plan to die?

Not for a while...

Image
by oldzey
Thu Mar 30, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 187
Views: 25859

Re: John Bogle on international

0% international works for me.

Thank you, Jack! :beer
by oldzey
Wed Mar 29, 2017 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Question re 403b with TIAA-CREF
Replies: 21
Views: 946

Re: Question re 403b with TIAA-CREF

Check to see if you have access to the TIAA-CREF Equity Index Fund . It comes in several versions and ERs: Retail | TINRX | 0.35 Retirement | TIQRX | 0.30 Premier | TCEPX | 0.20 Advisor | TEIHX | 0.16 Institutional | TIEIX | 0.05 Full disclosure - I own TIEIX and TIAA Traditional (and there's a few ...

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