Search found 558 matches

by oldzey
Wed Mar 29, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: Forbes article: "An S&P 500 Index Fund -- Is It A Good Investment?"
Replies: 15
Views: 2261

Re: Forbes article: "An S&P 500 Index Fund -- Is It A Good Investment?"

Since you asked (you did ask, didn't you?), here is my ditty on the SP500: When I hold the S&P 500, I own a piece of the companies that: Produce the electricity to light my home (AEP, Alliant) Produce the natural gas to heat my home (Apache, Anadarko) Make or distribute the food and drink I con...
by oldzey
Sun Mar 26, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 6191

Re: Massive Student Loan Debt - Girlfriend

ray333 wrote:wait to get married. as long as possible.


I've been waiting 49 years. :beer
by oldzey
Sat Mar 25, 2017 4:58 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your [Vanguard] fund is declaring a quarterly dividend in June."
Replies: 20
Views: 5049

Re: "Find out if your [Vanguard] fund is declaring a quarterly dividend in June."

fireman44 wrote:Would anyone know how often and when dividends are paid out for Vanguard Target Retirement Funds? Specifically the 2060 fund? ( VTTSX )


"Distributions for this fund are scheduled annually."

https://personal.vanguard.com/us/funds/ ... 1691#tab=4
by oldzey
Thu Mar 23, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Which of these two bond funds is "better"?
Replies: 14
Views: 874

Re: Which of these two bond funds is "better"?

drzzzzz wrote:Really nice post nisiprius


+1 as always.
by oldzey
Tue Mar 21, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3400
Views: 862671

Re: U.S. stocks in freefall

FillorKill wrote:
Doom&Gloom wrote:Freefall ain't what it used to be.

This time is different.


"Things are more like they are now than they ever were before." -- Dwight D. Eisenhower
by oldzey
Tue Mar 21, 2017 1:05 am
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 6089

Re: Am I Addicted [to contribute to my taxable account]

My taxable account addiction ended with a tax-deferred account intervention (403b catchup contributions, which started this year).

At this point, what little extra cash I have goes to feed my tax-advantaged account addiction (Roth IRA contribution). 8-)
by oldzey
Tue Mar 21, 2017 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10900

Re: Paying $20 to E-File State Return

3 minutes? Printing (ink+Paper) has a cost. Putting a stamp or multiple stamps on it has a cost. Putting it in an envelope (which has a cost) and making sure it is all stapled together with the correct attachments is probably more like 5 to 10 minutes (not a fraction of the 3) - then there is addre...
by oldzey
Mon Mar 20, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10900

Re: Paying $20 to E-File State Return

It can cost more than $20 to e-file a state return. For their online products, TaxAct currently charges $37 to e-file a state return, and TurboTax charges $39.99. As FYI - TurboTax only charged me $24.99 to e-file state. Maybe the $39.99 is the cost if you don't pay for the software or some other p...
by oldzey
Mon Mar 20, 2017 2:12 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 17173

Re: Sitting on cash....Waiting for a crash

Sitting on cash....Waiting for a crash....

Need some music to set to these lyrics....

Something like:

https://www.youtube.com/watch?v=5cvEVivHVsU
by oldzey
Mon Mar 20, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10900

Re: Paying $20 to E-File State Return

I pay. I want tax paying to be done , finished, buttoned up. If this is the worst way I spend money, then I am happy. +1. I routinely spend $20 on dinner. E-filing through Turbotax or one of its competitors saves me a lot of time. That's at least worth the price of one dinner. Sometimes the things ...
by oldzey
Mon Mar 20, 2017 8:40 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in March"
Replies: 9
Views: 1813

Re: "Find out if your fund is declaring a quarterly dividend in March"

Vanguard quarterly dividend declaration dates: 3/20, 3/22, and 3/27.
by oldzey
Sun Mar 19, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9320

Re: Anyone else taking less risk

60/40 helps me to behave better and stay the course. I do tinker with my portfolio less frequently than I did when I was at 65/35.
by oldzey
Sat Mar 18, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: Bogle Interview CNN - Sat.
Replies: 70
Views: 4100

Re: Bogle Interview CNN - Sat.

Thank you for posting - it's always a treat to hear Mr. Bogle's practical take on the world.
by oldzey
Wed Mar 15, 2017 10:56 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 132
Views: 21906

Re: How much international stock? A suggestion.

0% international - set it and forget it. :sharebeer
by oldzey
Wed Mar 15, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7448

Re: Do you avoid international investing like Jack Bogle?

2-fund portfolio, no international.

When my catchup contributions started kicking in this year, I adjusted my AA/IPS to be more conservative:

60% U.S. Total Market Index Equity Funds
40% TIAA Traditional

(from 65%/35%)

I'll stay the course and reevaluate my AA/IPS at age 55.
by oldzey
Fri Mar 10, 2017 10:52 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in March"
Replies: 9
Views: 1813

Re: "Find out if your fund is declaring a quarterly dividend in March"

TallBoy29er wrote:This was helpful, thank you for posting.


You're welcome.

I suppose it's a good time to remind folks about [Why did my fund suddenly drop in value?]
by oldzey
Fri Mar 10, 2017 10:49 pm
Forum: Investing - Theory, News & General
Topic: Important Bear Market Signal sent
Replies: 19
Views: 3084

Re: Important Bear Market Signal sent

Thanks for the warning, Valuethinker!

I'm using this valuable market timing information and will be exchanging all my Vanguard and TIAA holdings for Bitcoins. :twisted:
by oldzey
Thu Mar 09, 2017 9:46 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 17173

Re: Sitting on cash....Waiting for a crash

Stay the course and stick to your good plan, as you've (hopefully) laid out in your IPS. :sharebeer
by oldzey
Mon Feb 27, 2017 11:50 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 159
Views: 10947

Re: What is your overall portfolio weighted expense ratio

0.05% ER overall across 403b, Roth, and Taxable accounts.
by oldzey
Mon Feb 27, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: How to Rebalance with Rate Hikes Looming
Replies: 49
Views: 9023

Re: How to Rebalance with Rate Hikes Looming

Stable value funds help me SWAN. My AA was getting stock-heavy (70%+) and thus my new contributions are going towards SVFs until I'm back to my IPS norm of 65%/35%. All my fixed income is in SVFs (TIAA Traditional).
by oldzey
Thu Feb 23, 2017 12:12 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 7753

Re: New Boglehead Millionaire

Congratulations! :sharebeer
by oldzey
Tue Feb 21, 2017 11:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 24
Views: 1367

Re: HAPPY 21ST HEARTDAY, JACK BOGLE

Happy 21st, Jack! :D
by oldzey
Mon Feb 20, 2017 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to understand TIAA Traditional
Replies: 25
Views: 1246

Re: Trying to understand TIAA Traditional

I use it for the entire portion of my fixed income in my portfolio (35%) and I sleep well at night.
by oldzey
Mon Feb 20, 2017 1:28 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 3409

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

Congratulations on reaching a double digit age. What a long strange trip it's been. Thank you to those who took on this labor of love and turned it into a REALLY BIG DEAL: tashina at the very start; Mel, Taylor, Alex and Larry in short order; and countless others since. I check in very rarely these...
by oldzey
Sun Feb 19, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 88
Views: 6698

Re: Why own individual stocks?

Everyone should give it a try at least once, if but to realize by experience the wisdom of the following: “Forget the needle, buy the haystack. Buy the whole market and you can eliminate individual stock risk, style risk, market sector risk, and manager risk. Your odds of finding the next Apple (AAP...
by oldzey
Sun Feb 19, 2017 2:59 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 3409

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

Happy 10th Birthday, Bogleheads.org! :sharebeer
by oldzey
Wed Feb 15, 2017 4:13 pm
Forum: Forum Issues and Administration
Topic: Site OFFLINE TODAY, Saturday, at 4 PM Eastern (21:00 UTC)
Replies: 32
Views: 2424

Re: Site OFFLINE TODAY, Saturday, at 4 PM Eastern (21:00 UTC)

mingstar wrote:
jainn wrote:Very cool! How many gigabytes is the entire forum/site?

it's on the order of 25GB of database files.

Larry


Wow - that's a lot of posts! :o
by oldzey
Mon Feb 13, 2017 5:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 63
Views: 5709

Re: Vanguard 1099s available - Other companies just as good for sending 1099s???

oldzey wrote:I'm guessing Feb. 14th for the Consolidated Form 1099 from VBS.


Posted today (Feb. 13th).
by oldzey
Mon Feb 13, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have $0 in cash (except for bills), not even an emergency fund?
Replies: 45
Views: 2241

Re: Does anyone have $0 in cash (except for bills), not even an emergency fund?

I try to keep the cash in my portfolio to no more than 1% (for bills). The first tier of my "emergency fund" consists of 2 credit cards with $40,000 in available credit. These have always been paid off each month for almost 20 years now. I've never paid a penny in interest and I get a mode...
by oldzey
Sun Feb 12, 2017 9:08 pm
Forum: Forum Issues and Administration
Topic: welcome home bogleheads.org
Replies: 30
Views: 2768

Re: welcome home bogleheads.org

The site does seem to be quicker now - thanks again! :sharebeer
by oldzey
Sat Feb 11, 2017 11:20 pm
Forum: Forum Issues and Administration
Topic: welcome home bogleheads.org
Replies: 30
Views: 2768

Re: welcome home bogleheads.org

Thanks, Larry - very cool information about the new host! :beer
by oldzey
Sat Feb 11, 2017 9:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 290
Views: 13302

Re: Your USER NAME...what does it mean?

Mine is an old nickname from college, circa 1987.
by oldzey
Sat Feb 11, 2017 3:19 pm
Forum: Forum Issues and Administration
Topic: Site OFFLINE TODAY, Saturday, at 4 PM Eastern (21:00 UTC)
Replies: 32
Views: 2424

Re: Site OFFLINE TODAY, Saturday, at 4 PM Eastern (21:00 UTC)

nisiprius wrote:Thanks for all your hard work.


+1 :sharebeer
by oldzey
Thu Feb 09, 2017 12:17 am
Forum: Local Chapters and Bogleheads Community
Topic: Peoria area Bogleheads
Replies: 17
Views: 2145

Re: Peoria area Bogleheads

And here's a link to Larry speaking at Bradley in 2015:

LINK

Great intro joke - hell did freeze over. 8-)
by oldzey
Wed Feb 08, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 43
Views: 4602

Re: Two-Fund Portfolio Role Call

I use a 2-fund 65/35 approach: EQUITIES (65%): TIEIX - TIAA-CREF Equity Index Fund (Institutional) (403b) VTSAX - Vanguard Total Stock Market Index Fund Admiral Shares (ROTH) VTSAX - Vanguard Total Stock Market Index Fund Admiral Shares (TAXABLE) (TIEIX and VTSAX are both U.S. total stock market in...
by oldzey
Wed Feb 08, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 43
Views: 4602

Re: Two-Fund Portfolio Role Call

I use a 2-fund 65/35 approach: EQUITIES (65%): TIEIX - TIAA-CREF Equity Index Fund (Institutional) (403b) VTSAX - Vanguard Total Stock Market Index Fund Admiral Shares (ROTH) VTSAX - Vanguard Total Stock Market Index Fund Admiral Shares (TAXABLE) (TIEIX and VTSAX are both U.S. total stock market ind...
by oldzey
Tue Feb 07, 2017 11:21 pm
Forum: Investing - Theory, News & General
Topic: Market timing success?
Replies: 25
Views: 3116

Re: Market timing success?

Buy (and hold) the haystack. TLH into another haystack whenever you get the opportunity. Time in the market, not timing the market.
by oldzey
Sun Feb 05, 2017 2:27 am
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 168
Views: 14152

Re: How Did You Become A Boglehead? What Led You Here?

I remember stumbling upon the article, "Retire Rich With Just 3 ETFs" and I thought it was an interesting approach to investing.

A short Google search to find out more about this approach gave me the link to Taylor's "The Three-Fund Portfolio" and the rest is history.
by oldzey
Sat Feb 04, 2017 1:41 am
Forum: Investing - Theory, News & General
Topic: Just watched Warren Buffett's new HBO Documentary
Replies: 50
Views: 6893

Re: Just watched Warren Buffett's new HBO Documentary

It was worth watching just to hear Warren sing "Somewhere Over the Rainbow" during the closing credits.
by oldzey
Sun Jan 29, 2017 1:47 pm
Forum: Investing - Theory, News & General
Topic: Try and hit it big with 25% of your portfolio?
Replies: 51
Views: 5027

Re: Try and hit it big with 25% of your portfolio?

I'd like some advice on how to respond to a friend of mine who is young, roughly late 20's. My friend's opinion is if he tries to pick a few companies with a slice of his portfolio, trying to hit it big, 1 of 3 things may happen: 1. He hits it big. 2. Not much happens. 3. He loses everything. But h...

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