Search found 492 matches

by SimplicityNow
Sat Mar 14, 2020 5:23 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing into stocks when they fall is unrealistic
Replies: 126
Views: 10574

Re: Rebalancing into stocks when they fall is unrealistic

It all comes down with be comfortable with your IPS. It should be drawn up when we are in calm waters, not turbulent ones. Once it is it should be followed. If you can. Of course, once things become volatile that is the true test of your plan. There is no sin in reevaluating but to say it is unreaso...
by SimplicityNow
Fri Mar 13, 2020 2:07 pm
Forum: Personal Investments
Topic: Another TLH question
Replies: 1
Views: 120

Another TLH question

I'm looking to TLH some VTSAX. I want to exchange in for VIFIAX (Vanguard S& P 500 Index). All dividend reinvest is turned off and we haven't purchased any VTSAX in several months. We have regular payroll deduction purchases of VINIX (Vanguard Institutional Index Fund) being made. Are VINIX and VFIA...
by SimplicityNow
Thu Mar 12, 2020 8:40 pm
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 25878

Re: Who is staying course and how are you dealing with net worth going down?

As Jack would have said, I'm not going to do something, I'm just going to stand there!

Thanks to Taylor, Mel, Nisiprius and others for their calm voices during the storm.
by SimplicityNow
Mon Mar 09, 2020 4:46 pm
Forum: Investing - Theory, News & General
Topic: Who here is buying stocks today and how much?
Replies: 295
Views: 25669

Re: Who here is buying stocks today and how much?

My wife's retirement accounts will make their normal purchases twice this month (stocks and bonds) as per our asset allocation. When I check our asset allocation allocation at the end of the month if it more then 5% off our target allocation I will buy more stocks. Otherwise I'll be doing nothing. T...
by SimplicityNow
Mon Mar 09, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: mountain bike purchase
Replies: 31
Views: 1280

Re: mountain bike purchase

I was an avid mountain biker(4-5 times a week) for over 10 years later in life until an injury forced me to give it up several years ago. A good local bike shop is worth its weight in gold. Yes you may pay more $$ then buying online but the relationship you build with a good store is worth that many...
by SimplicityNow
Wed Mar 04, 2020 12:54 pm
Forum: Personal Investments
Topic: Almost to retirement...Please critic our IPS...
Replies: 18
Views: 1476

Re: Almost to retirement...Please critic our IPS...

I agree with Watty. Not defining terms like major and temporarily just give you the opportunity to react emotionally during markets downturns. What guide lines are you going to use to determine how long temporary is and how much major is? IMO you are better off defining time periods and amounts. Eve...
by SimplicityNow
Wed Mar 04, 2020 12:45 pm
Forum: Investing - Theory, News & General
Topic: Thanks Bogleheads
Replies: 33
Views: 2748

Re: Thanks Bogleheads

Congrats on tuning out the noise. Joining the BH forum and listening to the sage advice of the veterans here, has gone a long way to improving my sleep when the markets get turbulent. I'll admit I do follow the markets daily but never take any action based on what the daily "news" has to say. I find...
by SimplicityNow
Sun Jan 26, 2020 9:34 am
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 4019

Re: Happy Birthday Taylor! 96 years young!

Thanks Taylor for all you have done and all you continue to do.

All while being a gentleman.

Happy Birthday!
by SimplicityNow
Fri Jan 24, 2020 11:50 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26541

Re: Sad news: LadyGeek's husband has passed

My condolences. Thank you for sharing with us what you learned.
by SimplicityNow
Sun Nov 10, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 12356

Re: Saving seats on Southwest

This is one of the reason I refuse to fly Southwest. Unrelated to your situation but what was the last straw for me. I was traveling from NY to West Palm Beach, Florida. I purchased an Early Bid seat. When they made the announcement for those needing extra time to board, etc. there were 65 persons w...
by SimplicityNow
Thu Apr 11, 2019 10:44 am
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 121
Views: 30190

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION OPEN ANNOUNCEMENT

On another note: Do you know when the e-mail will be going out with conference details and hotel information? Just to try to save many folks from having to ask the same question, here is the response I got in my email after emailing the "bogleheadsconference" email: You'll get a confirmation email ...
by SimplicityNow
Thu Apr 11, 2019 10:21 am
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 121
Views: 30190

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION OPEN ANNOUNCEMENT

Thanks Mel for your hard work in setting this up. Also thanks to your hard working team. Looking forward to it. Thanks for the kind words. I'm very fortunate to have a great team. It definitely takes a great team to pull this off. Very welcome and well deserved. On another note: Do you know when th...
by SimplicityNow
Thu Apr 11, 2019 9:11 am
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 121
Views: 30190

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION OPEN ANNOUNCEMENT

Thanks Mel for your hard work in setting this up. Also thanks to your hard working team.

Looking forward to it.
by SimplicityNow
Sun Jan 27, 2019 8:46 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 77
Views: 6228

Re: Happy Birthday, Taylor!

Happy Birthday Taylor!

Thanks for all you have done, for your country, for investors and for all of us Bogleheads.

Hope you enjoyed your day!
by SimplicityNow
Wed Jan 16, 2019 11:17 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 60194

Re: John Bogle has died at age 89

Thank you Jack.

Rest in Peace.
by SimplicityNow
Tue Dec 25, 2018 5:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard says international will beat US stocks in next decade
Replies: 155
Views: 16754

Re: Vanguard says international will beat US stocks in next decade

As Mr. Bogle would say.

Nobody knows nothing. (That includes Vanguard)
by SimplicityNow
Thu Nov 08, 2018 9:23 am
Forum: Personal Investments
Topic: Asset Allocation Question/Help
Replies: 12
Views: 1180

Re: Asset Allocation Question/Help

You really need to sit down and figure your expenses in retirement. That includes how much of your savings will be used for a house. IMO that will be a factor in determining asset allocation. It all comes down to the old balancing act of need, willingness and ability to take risk. Assuming you aren'...
by SimplicityNow
Wed Oct 31, 2018 1:34 pm
Forum: Personal Investments
Topic: Just starting out at 39 yrs old.
Replies: 37
Views: 5557

Re: Just starting out at 39 yrs old.

Welcome to the forum. You have already been given great advice. Take some time to digest it. You have an interest in learning about investing. That right there is half the battle. As others have said you might think you started late but in a actuality you are very early compared to many people out t...
by SimplicityNow
Tue Oct 30, 2018 3:18 pm
Forum: Personal Investments
Topic: Another TLH Question
Replies: 1
Views: 231

Another TLH Question

I'm sure everyone has had their fill of TLH questions recently with the market correction so I apologize in advance. I wanted to make sure since it is my first time I have my ducks in a row, In a taxable account I want to TLH certain lots of VTIAX (Vanguard Total International Stock Index Fund). The...
by SimplicityNow
Sun Oct 28, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 174
Views: 16781

Re: Am I doing well financially?

I agree your salary doesn't seem an issue. There are two ways to a accumulate more $$. Earn more or spend less. You need to have a sit down with your wife and decide you are both on the same page regarding ramping up the saving for retirement. As has been mentioned children will add substantial cost...
by SimplicityNow
Fri Sep 28, 2018 9:11 am
Forum: Personal Investments
Topic: Need some advice getting started at 34yo (updated 10/21/2018)
Replies: 20
Views: 3357

Re: Need some advice getting started at 34yo

You have been given good advice. I will add this. Investing isn't rocket science. Your post was clear, concise and well written. Anyone who can present their situation as you did can manage their own investing. All you need to do is add to your knowledge. Hiring a financial advisor isn't only unnece...
by SimplicityNow
Sun Sep 09, 2018 6:40 pm
Forum: Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 7127

Re: Lower Return Decade Says Jack: Thoughts?

Yes, lower return is EXPECTED. Actual return could be much higher or much lower. On the other hand, CD would ensure low return. Man, this drives me crazy...you are right...it could be lower....we've had a long run...I still have 15 years before retirement... but would hate to get in with my lump su...
by SimplicityNow
Thu Sep 06, 2018 10:24 pm
Forum: Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8897

Re: Scaring the Old Folks

I don't like the use of fear to influence opinion and this is what this article is about to me. I'm retired, wife is not but we probably eat out less then we did since I retired. And as Livesoft described, we almost always have leftovers and many times for several meals. When my wife is retired we n...
by SimplicityNow
Sat Sep 01, 2018 10:32 am
Forum: Personal Investments
Topic: Don't Look and Have A Doctor Waiting When You DO
Replies: 35
Views: 6051

Re: Don't Look and Have A Doctor Waiting When You DO

Like many of Mr. Bogle's comments I don't think they are offered as advice but something to think about.

That comment I feel was just a way to say not to constantly tinker with you asset allocation and you will do fine.
by SimplicityNow
Thu Aug 23, 2018 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Real estate dropping like a rock in U.K. - can the U.S. be far behind?
Replies: 68
Views: 12813

Re: Real estate dropping like a rock in U.K. - can the U.S. be far behind?

New York City suburb here and prices have decreased and number of days on market have been increased. Also noticing many homes in areas we are considering in western Florida seem to be on the market for longer periods of time before sale. We recently purchased in NYC suburbs. I can’t speak for the ...
by SimplicityNow
Thu Aug 23, 2018 6:48 am
Forum: Personal Investments
Topic: TIAA Traditional (svf) OR Fidelity Total Bond
Replies: 21
Views: 1421

Re: TIAA Traditional (svf) OR Fidelity Total Bond

I think both are good choices and it doesn't have to be one or the other. We use both in our portfolio as well as several other stable value funds we have access to. SimplicityNow, with your username, I figured it would be one or the other :) "Things should be as simple as possible, but not simpler...
by SimplicityNow
Tue Aug 21, 2018 12:35 pm
Forum: Personal Investments
Topic: TIAA Traditional (svf) OR Fidelity Total Bond
Replies: 21
Views: 1421

Re: TIAA Traditional (svf) OR Fidelity Total Bond

I think both are good choices and it doesn't have to be one or the other. We use both in our portfolio as well as several other stable value funds we have access to.
by SimplicityNow
Sun Aug 19, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Real estate dropping like a rock in U.K. - can the U.S. be far behind?
Replies: 68
Views: 12813

Re: Real estate dropping like a rock in U.K. - can the U.S. be far behind?

New York City suburb here and prices have decreased and number of days on market have been increased.

Also noticing many homes in areas we are considering in western Florida seem to be on the market for longer periods of time before sale.
by SimplicityNow
Tue Aug 14, 2018 6:41 pm
Forum: Personal Investments
Topic: Help explain TIAA Traditional to me
Replies: 20
Views: 2995

Re: Help explain TIAA Traditional to me

For the liquidity restrictions and choices available I would ask TIAA directly. Options, rates, liquidity restrictions are not universal and vary by institution and plan. It is a good suggestion to ask TIAA directly. I do not understand your statement "Options, rates, liquidity restrictions are not...
by SimplicityNow
Tue Aug 14, 2018 6:38 pm
Forum: Personal Investments
Topic: Holding only VWENX for retirement
Replies: 15
Views: 3309

Re: Holding only VWENX for retirement

Hi Everyone, First time post here. Currently I hold all my retirement savings about 360K in Wellington (VWENX). I was wondering is it really a good idea to hold only one fund like Wellington for retirement. I'm 60 and plan on retiring at 65, would like to know the Pros and Cons or any suggestions i...
by SimplicityNow
Mon Aug 13, 2018 10:44 pm
Forum: Personal Investments
Topic: Help explain TIAA Traditional to me
Replies: 20
Views: 2995

Re: Help explain TIAA Traditional to me

For the liquidity restrictions and choices available I would ask TIAA directly.

Options, rates, liquidity restrictions are not universal and vary by institution and plan.
by SimplicityNow
Sun Aug 12, 2018 8:18 am
Forum: Personal Investments
Topic: New to the Vanguard approach and in mid 40's - how would you start?
Replies: 13
Views: 1439

Re: New to the Vanguard approach and in mid 40's - how would you start?

Welcome to the forum. All is not lost, in fact far from. You have found the right place and far sooner than many. All the advice you have been given regarding book recommendations etc is spot on. I'd recommended you go to the 2nd post from the top on this section of the forum and see the thread on "...
by SimplicityNow
Sun Aug 12, 2018 8:08 am
Forum: Personal Investments
Topic: “Safe” investment approaching retirement
Replies: 17
Views: 2142

Re: “Safe” investment approaching retirement

Will retire in about a year. I am very well off financially and want to preserve what I have. I intend to keep about 50% in index funds but with the bond portion, I would be happy to get a few percent a year rather than risk it if stock market crashes and interest rates soar. Any suggestion for sho...
by SimplicityNow
Wed Aug 08, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Car Donation
Replies: 12
Views: 1220

Car Donation

An old car of ours had the transmission go and we have decided to donate it. I know there are many "charitable" organizations that accept car donations. Usually they subtract their costs then donate a portion of the balance to a specific charity. I know many of them are scams and that they pocket mo...
by SimplicityNow
Mon Aug 06, 2018 7:18 pm
Forum: Personal Investments
Topic: Old age investing--Seeking advice
Replies: 23
Views: 3252

Re: Old age investing--Seeking advice

I think you need to provide additional information if you want a more detailed assessment. While I appreciate your reluctance to share too much personal information on an internet forum, doing so would allow people to tailor their advice to your specific information. What are your yearly expenses a...
by SimplicityNow
Mon Aug 06, 2018 6:51 pm
Forum: Personal Investments
Topic: Question about my Portfolio's Performance
Replies: 6
Views: 769

Re: Question about my Portfolio's Performance

Nothing wrong with your return YTD. VTSAX is doing well YTD. Not as well as last year but above historical averages. VSMAX is doing even better. VTIAX isn't doing so well. It it down YTD and so is BND. The price you pay for diversifying. 4.8 % so far with almost 5 months left to the year is a very n...
by SimplicityNow
Sat Jul 28, 2018 7:21 am
Forum: Personal Investments
Topic: Old age investing--Seeking advice
Replies: 23
Views: 3252

Re: Old age investing--Seeking advice

I think you need to provide additional information if you want a more detailed assessment. While I appreciate your reluctance to share too much personal information on an internet forum, doing so would allow people to tailor their advice to your specific information. What are your yearly expenses an...
by SimplicityNow
Mon Jul 23, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Is Enough?
Replies: 42
Views: 25795

Re: How Much Is Enough?

I passed on several opportunities for promotion because it would have come at the cost of less time with my kids while they were growing up.

I've never regretted the decision.
by SimplicityNow
Sun Jul 22, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: Acceptable uses...New Financial Chromebook
Replies: 35
Views: 5984

Re: Acceptable uses...New Financial Chromebook

If you utilize the guest account and do not shut down the machine then the guest account could hold the cache of information and there is no login for guest account. Anyone can use guest (unless your chromebook is locked down via a policy that does not allow guest). Fair enough. But if you close ea...
by SimplicityNow
Fri Jul 20, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: Acceptable uses...New Financial Chromebook
Replies: 35
Views: 5984

Re: Acceptable uses...New Financial Chromebook

When I started out with banking on line I would only use a hardened linux that I built. This was a great little machine and I used it for over 8 years. You can find quite a few hardended linux branches online and the odds that someone created a zero day exploit that could be activated via a web pag...
by SimplicityNow
Tue Jul 17, 2018 7:55 am
Forum: Personal Investments
Topic: 23 and seeking help with investments
Replies: 12
Views: 1284

Re: 23 and seeking help with investments

Hello all, This is my first post on the forum. I have been reading/lurking for about a year now and I was hoping to finally get some opinions on my financial situation and some changes to make for the better. Welcome to the forum -Emergency Funds: I have about $8500 saved in a 3% checking account. ...
by SimplicityNow
Fri Jul 13, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2955
Views: 526438

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

I use MS Money to calculate portfolio performance. I keep track of every single transaction with this bit of free software. It uses the XIRR() algorithm without you having to know how to use spreadsheet. It also allows many different performance reports from the same data. MS Money gives the same p...
by SimplicityNow
Fri Jul 13, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 15444

Re: Saving 20% of paycheck isn't enough

Percentage recommendations are guidelines and starting points. As you mentioned in the first post, everyone is different. 40% of 1 million is a lot easier done then 40% of 40K. A better recommendation IMO opinion is to save as much as you can. For many, they don't, and therein lies one of the issues.
by SimplicityNow
Thu Jul 12, 2018 11:32 pm
Forum: Personal Investments
Topic: What's your *real* asset allocation?
Replies: 30
Views: 3812

Re: What's your *real* asset allocation?

I use to have a separate emergency fund in high yield savings and short term CD that I didn't count in my asset allocation. Since retiring I changed my opinion and no longer consider it an emergency fund. It is part of my fixed income side of my AA. At the end of the day it is just mental accounting.
by SimplicityNow
Thu Jul 12, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 23699

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads Investing Wisdom.
by SimplicityNow
Thu Jul 12, 2018 3:29 pm
Forum: Personal Investments
Topic: Self Employed 48years old and nothing saved for retirement
Replies: 41
Views: 6033

Re: Self Employed 48years old and nothing saved for retirement

Please realize that people are trying to help and not judge you. That is why more information was solicited.
if you follow the format in the sticky at the top of this forum in "asking investment questions" we will have more information in order to help you.
by SimplicityNow
Tue Jul 10, 2018 3:37 pm
Forum: Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 7930

Re: Lifestyle Strategies

I'll just reinforce the already excellent advice you have received so far.

1) Keep it simple. Life Strategy or Target Date or the 3 Fund portfolio is all you really need.

2) You don't need the advisor.
by SimplicityNow
Tue Jul 10, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: New ladies bike: recommendations
Replies: 17
Views: 1349

Re: New ladies bike: recommendations

I'd 2nd the recommendation for a fitness bike. Cannondale Quick, Specialized Sirrus something like that. The low end of your price range is not a reasonable price for the type of quality bike you are looking for. More likely $500-700. The fitness bikes have a more upright riding posture for comfort ...
by SimplicityNow
Mon Jul 02, 2018 8:52 pm
Forum: Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 184
Views: 20013

Re: Expected returns for 80/20 stock bond for next 10 years.

Unfortunately that is a realistic number. What accounts for the variance between this number and historical estimates? https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations I'm no expert with charts and graphs but based on what I have read: we have had above average...
by SimplicityNow
Mon Jul 02, 2018 8:26 pm
Forum: Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 184
Views: 20013

Re: Expected returns for 80/20 stock bond for next 10 years.

Unfortunately that is a realistic number.