Search found 736 matches

by oldzey
Wed Dec 13, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 35
Views: 3883

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

Bumping this - looks like this deal is still valid.
by oldzey
Wed Dec 13, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 63
Views: 4506

Re: TaxAct and alternatives

Got a great deal on H&R Block tax software by reading this post: viewtopic.php?f=2&t=234099
by oldzey
Wed Dec 13, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 87
Views: 4115

Re: How much did you contribute to your 401k in 2017?

403b, not a 401K. Age 50. $24,000 (max) + My university's employer match (~$4,000) = ~$28,000 total.
by oldzey
Wed Dec 13, 2017 2:04 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 46
Views: 1894

Re: Buying Real Silver and Gold (Not Bitcoin)

Gold may be useful as a hedge against inflation, but over the past 215 years there are other financial instruments that have performed better:

Image

Source (page 6): https://www.cfasociety.org/sandiego/Lin ... 17-CFA.pdf
by oldzey
Mon Dec 11, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 35
Views: 3883

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

Thanks for the heads-up on this deal, TVBogle!

I'm looking forward to using H&R Block for the first time.
by oldzey
Sat Dec 02, 2017 7:59 pm
Forum: Investing - Theory, News & General
Topic: Investment Portfolio Tracking & Spreadsheets
Replies: 35
Views: 2887

Re: Investment Portfolio Tracking & Spreadsheets

For my needs, which are pretty simple, MS Excel does the job.
by oldzey
Sat Dec 02, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix the sleep mix or 80/20 mix
Replies: 38
Views: 3528

Re: Is 60/40 mix the sleep mix or 80/20 mix

https://s8.postimg.org/5bc6oyz5x/33vdb9f.jpg-3.png According to this chart, an aggressive investor can sleep well at 80% up to age 54. A conservative investor would start feeling restless at age 27. An aggressive investor could sleep well at 60% up to age 64, but even an aggressive investor would s...
by oldzey
Fri Dec 01, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix the sleep mix or 80/20 mix
Replies: 38
Views: 3528

Re: Is 60/40 mix the sleep mix or 80/20 mix

I'm at 80% Equities/20% Fixed Income.

My formula is Age-30 = % in fixed income, which somewhat follows Charles Ellis' recommendation: https://www.kiplinger.com/article/inves ... folio.html
by oldzey
Mon Nov 27, 2017 11:49 pm
Forum: Investing - Theory, News & General
Topic: CNBC says Vanguard says 70% Chance of "Correction"
Replies: 63
Views: 7839

Re: CNBC says Vanguard says 70% Chance of "Correction"

FIREchief wrote:
Mon Nov 27, 2017 11:18 pm
Sweet!!! Hopefully just in time for my January 2018 Roth conversions! I really like saving 10% on taxes. 8-)
+1 for January 2018 equities to be on sale to fund my 20 year old Roth IRA (est. 1998)! :beer
by oldzey
Mon Nov 27, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: CNBC says Vanguard says 70% Chance of "Correction"
Replies: 63
Views: 7839

Re: CNBC says Vanguard says 70% Chance of "Correction"

Toons wrote:
Mon Nov 27, 2017 12:46 pm
Whew,
It is about time.
Great Opportunity to pick up shares at lower prices :)
Yup, it's been a while since the last sale on cat food. :P
by oldzey
Sun Nov 26, 2017 11:09 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 201
Views: 33380

Re: Bonds - Throw it all on the table!!!

1) List the bond funds, individual bonds, CD's, etc. that you invest in I invest in a TIAA Traditional Annuity - Retirement Annuity . 2) In which account what fixed income securities are held My TIAA Traditional Annuity - Retirement Annuity is held in a 403b Defined Contribution Retirement Plan. 3)...
by oldzey
Sun Nov 19, 2017 11:55 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 91
Views: 13266

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Thank you for the update, Taylor!

I look forward to adding "The Bogleheads' Guide to The Three-Fund Portfolio" to my bookshelf and/or Kindle next year!

Best,
oldzey
by oldzey
Mon Nov 13, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3451

Re: What's your weighted average expense ratio?

0.0425% ER overall across 403b, Roth, and Taxable accounts.
by oldzey
Wed Nov 08, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: Investment Books & Your Library
Replies: 36
Views: 2656

Re: Investment Books & Your Library

I've given away many books over the years. Kindle helps to control that somewhat.

Here's the current state of my investment/financial library: https://www.dropbox.com/sh/e4bippt9nkka ... gG5Ea?dl=0
by oldzey
Sun Nov 05, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman on newest edition of “The Little Book of Common Sense Investing”
Replies: 22
Views: 3155

Re: Paul Merriman on newest edition of “The Little Book of Common Sense Investing”

Snarly, I concur with Paul that you have successfully coined the term, "Arrow Portfolio" - and I do like your interpretation of it! :D My Arrow Portfolio is not quite as aggressive as Mr. Buffett's (I have more feathers), but it's still pretty aggressive for age 50: 80% Vanguard Total Stock Market I...
by oldzey
Sun Nov 05, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: "Probably the World's Best Investment Forum"
Replies: 34
Views: 4846

Re: "Probably the World's Best Investment Forum"

The Little Forum of Common Sense Investing.
by oldzey
Tue Oct 31, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: 2-fund vs. 3-fund
Replies: 26
Views: 2609

Re: 2-fund vs. 3-fund

2-fund is simple, cheap, and is what I do: 80% VTSAX (0.04% ER) and 20% TIAA Traditional (0.00% ER).
by oldzey
Sun Oct 29, 2017 8:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard all equity portfolio
Replies: 44
Views: 10609

Re: Vanguard all equity portfolio

There's a link for Four Buy-and-Hold Portfolios on Merriman's site: http://www.fundadvice.com/fehtml/bhstrategies/0006a.html Any suggestions for an ideal all equity portfolio @ Vanguard? I have 100K to begin with. Thanks, Vic My suggestion for an ideal all equity portfolio at Vanguard would be only...
by oldzey
Sun Oct 29, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: Thaler's Misbehaving: The Making of Behavioral Economics - FREE*
Replies: 10
Views: 705

Re: Thaler's Misbehaving: The Making of Behavioral Economics - FREE

Bud wrote:
Sun Oct 29, 2017 11:43 am
You need to be a prime member to have access to the free download...
Yup, be careful if you're not a prime member and have 1-click ordering turned on (like me).

Should be an interesting read, but I should have read the fine print before clicking. :D
by oldzey
Mon Oct 23, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds at Age 50?
Replies: 17
Views: 1707

Re: Bonds at Age 50?

Age 50 (next month) and I'm 80/20 (per Charles Ellis' recommendation).
by oldzey
Mon Oct 23, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: Over 50 catch up-calendar year or birth date?
Replies: 4
Views: 404

Re: Over 50 catch up-calendar year or birth date?

I turn 50 next month and I've been making catchup contributions since January.

Had to call my HR department a few times before they finally got it implemented correctly, though.
by oldzey
Sun Oct 22, 2017 11:12 am
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Jack, Taylor and Mel!!
Replies: 27
Views: 2951

Re: Thank you Jack, Taylor and Mel!!

Thank you!

You can "support this site" to show your thanks, too! :D
by oldzey
Sun Oct 22, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Best way to Improve TIAA 403b R1
Replies: 15
Views: 1154

Re: Best way to Improve TIAA 403b R1

I think the OP problem is that his/her institution does not have this particular class of mutual fund. Each institution has set up its own contract with TIAA and likely has a different set of funds available. Agreed - it would be helpful if the OP could post all the available funds and ERs in his/h...
by oldzey
Sat Oct 21, 2017 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to Improve TIAA 403b R1
Replies: 15
Views: 1154

Re: Best way to Improve TIAA 403b R1

The TIAA Equity Index Fund is a good substitute for the Vanguard Total Stock Market Index Fund . I use it in my 403b, and I have the Institutional Class ( TIEIX ). Expense Ratios (%) Retail: 0.34 Retirement: 0.30 Premier: 0.20 Advisor: 0.14 Institutional: 0.05 The TIAA Equity Index Fund is usually o...
by oldzey
Sat Oct 21, 2017 10:39 pm
Forum: Investing - Theory, News & General
Topic: Revised Version The Little Book of Common Sense...
Replies: 31
Views: 4012

Re: Revised Version The Little Book of Common Sense...

Also received the notice and confirmed that I will wait however long it takes. Any way to get a signed copy? :) Attend Bogleheads 2018. They had copies of the new version for us to purchase this year ($10) and Jack was gracious-enough to sign them. Wow - what a super keepsake from the conference! I...
by oldzey
Sat Oct 21, 2017 9:32 pm
Forum: Investing - Theory, News & General
Topic: Hilarious Q&A with Charlie Munger
Replies: 4
Views: 2356

Re: Hilarious Q&A with Charlie Munger

That See's peanut brittle is some super-addictive stuff. I ordered a 1.5 lb. box and it was gone in about 3 days - yikes! :shock:

http://www.sees.com/peanut-brittle/200370.html
by oldzey
Sat Oct 21, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: TIAA Trouble [NY Times: TIAA pushes clients to high fee products]
Replies: 50
Views: 4772

Re: TIAA Trouble

I like my TIAA 403b. 1. TIAA Traditional - aka the fixed income / stable value portion of my portfolio. 2. TIEIX - total market U.S. index fund at 0.05% ER. 3. I have no need for a 403b loan: I have an emergency fund. But, our university HR reps always mention those loans whenever I contact them. I ...
by oldzey
Fri Oct 20, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 175
Views: 18285

Re: Does anyone here with net worths north of $1 mil use financial advisors?

"Act as if every broker, insurance salesman, mutual fund salesperson, and financial advisor you encounter is a hardened criminal, and stick to low-cost index funds, and you'll do just fine." -- William J. Bernstein, 2014, from If You Can: How Millennials Can Get Rich Slowly
by oldzey
Thu Oct 19, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 27433

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

oldzey wrote:
Mon Mar 20, 2017 2:12 pm
Sitting on cash....Waiting for a crash....

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

Something like:

https://www.youtube.com/watch?v=5cvEVivHVsU
This music would work too (appropriately titled, too): https://www.youtube.com/watch?v=FFDYuO53BUk
by oldzey
Thu Oct 19, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: "Investment Lessons From The 21st Century"
Replies: 16
Views: 2159

Re: "Investment Lessons From The 21st Century"

I won't live for 214 years, but I like this chart of the 19th, 20th, and 21st centuries for contrast/comparison:

Source (page 6): https://www.cfasociety.org/sandiego/Lin ... 17-CFA.pdf

Image
by oldzey
Tue Oct 17, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: Gold ETF
Replies: 32
Views: 3317

Re: Gold ETF

Investment vs. speculation. Productivity vs. price.

Warren Buffett has a good story about gold: https://www.youtube.com/watch?v=YuJBMVz5DLQ
by oldzey
Mon Oct 16, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: 30th Anniversary of October 19, 1987 stock market crash
Replies: 36
Views: 3152

Re: 30th Anniversary of October 19, 1987 stock market crash

October 20th must have been a great day to TLH. :twisted:
by oldzey
Sun Oct 15, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle, The Only Way To Beat The Stock Market
Replies: 5
Views: 2483

Re: Jack Bogle, The Only Way To Beat The Stock Market

The best part for me was at the 24:09 mark: https://www.youtube.com/watch?v=EC8rWTGZhak#t=24m09s

I'm with Jack - the Total (U.S.) Stock Market Index Fund is the only Vanguard fund I use in my portfolio.
by oldzey
Fri Sep 29, 2017 11:21 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 15737

Re: Why do you LBYM? Why do you save and invest?

oldzey wrote:
Thu Sep 28, 2017 11:58 pm
I sleep well at night knowing that I'm a saver and not a spender.
...and the fear of this happening:

Image

I heard plenty of my relatives' stories about the Great Depression while I was growing up.
by oldzey
Thu Sep 28, 2017 11:58 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 15737

Re: Why do you LBYM? Why do you save and invest?

I sleep well at night knowing that I'm a saver and not a spender.
by oldzey
Sat Sep 16, 2017 10:51 pm
Forum: Investing - Theory, News & General
Topic: "36 Obvious Investment Truths"
Replies: 18
Views: 2883

Re: "36 Obvious Investment Truths"

Thanks for sharing, Lobster!

I like 16 and 17:
Ben Carlson wrote: 16. If you invest in index funds you cannot outperform the market.

17. If you invest in active funds there’s a high probability you will underperform index funds.
by oldzey
Sun Sep 10, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 73
Views: 36740

Re: Can't freeze credit at Experian?

I was able to freeze Experian and Equifax online. I was at the last step of my transaction for TransUnion - entered my CC # and pushed the button. It told me something was wrong and to call their customer service #. So I called the TransUnion customer service #, entered my CC# again, and the automat...
by oldzey
Sun Sep 10, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 70
Views: 30460

Re: Is a security freeze at Innovis really needed?

I froze all 5 (Equifax, Experian, TransUnion, Innovis, & ChexSystems).

:sharebeer