Search found 115 matches

by GLState
Thu Feb 08, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Why does my wife have this portfolio?
Replies: 32
Views: 3762

Re: Why does my wife have this portfolio?

Look at this from her point of view. You have a few men (they call themselves bogleheads :shock: ) on an internet forum that agree with your views. She has an adviser that she know and trusts. Tell her you've seen the light and you're now a boglehead...see how that goes. And ... her portfolio might ...
by GLState
Thu Feb 08, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Books/articles on life 100-120 years ago?
Replies: 19
Views: 1267

Re: Books/articles on life 100-120 years ago?

Google "diaries from 1900s" or whatever years and areas of the US that you find interesting. Also, you might check the National Archives, especially for photos. My local library has microfilmed old newspapers and photos along with a lot misc info. Shorpy.com has quite a few photos from 1900s through...
by GLState
Wed Feb 07, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond
Replies: 10
Views: 1256

Re: Total Bond

According to Morningstar, Vanguard's Total Bond Market Index Fund Adm (VBTLX) has a five year total return of 1.83% vs the median return of 1.84% of the Intermediate Term Bond funds on Morningstar's list. Looking at the Morningstar chart, VBTLX sailed through 2008 relatively unscathed compared to ot...
by GLState
Tue Feb 06, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 127
Views: 8893

Re: Torn between Vanguard, Fidelity and Schwab

I've been with Vanguard since 2002 and have had no problems. I had a 401k with Fidelity that I rolled over to Vanguard when I retired. Before 2002, I had an account with Schwab invested in index funds. Around 2002, Schwab began quarterly account fees for smaller accounts (<50k?). I transferred to Va...
by GLState
Mon Feb 05, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14619

Re: Vanguard site is crashed now?

According to MarketWatch, Betterment, Wealthfront, Schwab, TDAmeritrade, and others also had outages today.

https://www.marketwatch.com/story/as-ma ... 2018-02-05
by GLState
Fri Feb 02, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 6080

Re: Relearning Calculus

MIT Open Courseware ... https://ocw.mit.edu/courses/find-by-topic/#cat=mathematics&subcat=calculus EdX has many calculus courses available... From MIT: https://www.edx.org/course/calculus-1a-differentiation-mitx-18-01-1x-0 https://www.edx.org/course/calculus-1b-integration-mitx-18-01-2x-0 https://ww...
by GLState
Thu Feb 01, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Finally going to invest, brother is FA
Replies: 89
Views: 6614

Re: Finally going to invest, brother is FA

Active funds don't help in bad markets See the Standard & Poors SPIVA report from 2008. http://www.spindices.com/documents/spiva/spiva-us-year-end-2008.pdf  The belief that bear markets favor active management is a myth. A majority of active funds in eight of the nine domestic equity style boxes we...
by GLState
Sun Jan 28, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Udemy classes recomendations (or YouTube)
Replies: 11
Views: 749

Re: Udemy classes recomendations (or YouTube)

The Finance for Everyone: Smart Tools for Decision-Making that you are now taking has a much longer version on Coursera https://www.coursera.org/specializations/valuation-investment. The class on EdX is a free class that the instructor wanted to offer on Coursera but they wouldn't allow it. The Cour...
by GLState
Sun Jan 28, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Udemy classes recomendations (or YouTube)
Replies: 11
Views: 749

Re: Udemy classes recomendations (or YouTube)

I would recommend EdX over Coursera or Udemy. Finance for Everyone: Smart Tools for Decision-Making from the University of Michigan on EdX https://www.edx.org/course/finance-everyone-smart-tools-decision-michiganx-fin101x-1 EdX https://www.edx.org/ and Coursera https://www.coursera.org/ have online,...
by GLState
Wed Jan 24, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Board game for 3 year old
Replies: 36
Views: 1678

Re: Board game for 3 year old

My granddaughter (3 years old) likes Sneaky, Snacky Squirrel and The Lady Bug Game.
by GLState
Mon Jan 22, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Excel for Personal Finance Accounting ?
Replies: 42
Views: 3464

Re: Excel for Personal Finance Accounting ?

I know Excel very well, but would not use it for that purpose. To generate enough adequate reports and do what you want would be more work than I would want to do. If you just want to keep a list of expenses, that wouldn't be too bad. Why don't you just use Quicken? The download features stop worki...
by GLState
Fri Jan 19, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Automation of Net Worth Tracking
Replies: 6
Views: 913

Re: Automation of Net Worth Tracking

Many investors had their spreadsheets "break" because of changes in accessing Yahoo data. It is not the first time Yahoo has made changes. Quicken saves a lot of the hassles of maintaining links and data acquisition methods in a spreadsheet. It could be very time-consuming to create your own Quicken.
by GLState
Tue Jan 16, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 1918

Re: wild bird feed

Get a squirrel guard so you're not feeding every squirrel and raccoon in the neighborhood...let them eat what falls to the ground. Its best if you don't mix seed. Blue Jays and other birds will kick out millet to get to sunflower seeds. Black oil sunflowers seeds seem to attract a wide variety birds...
by GLState
Sun Jan 14, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Individual stocks in an IRA?
Replies: 9
Views: 536

Re: Individual stocks in an IRA?

Our parents lived in a different investing world than we do now. Even when I began investing 40 years ago, stocks were, to most investors, the only game in town. Mutual funds were little known or talked about. It took my mom many years before she invested in her first mutual fund ... and it was a fu...
by GLState
Thu Jan 11, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4629

Re: Help me stop my addiction to stock market peeping!

I find Warren Buffett's Letters to Berkshire Hathaway Shareholders to be excellent material to relieve the stress of investing. His writings explain why we want to invest in risky assets. If you're interested in markets, spend time learning about them, rather than watching the day-to-day fluctuation...
by GLState
Thu Jan 11, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4629

Re: Help me stop my addiction to stock market peeping!

It is easy to look frequently, especially when the market is going up. Once the market heads down I think it becomes easier not to look so frequently. +1 It's GREAT to look twice daily while the market is going up. Two doses of cheer daily :greedy The time to NOT look is when the market slides down...
by GLState
Tue Jan 02, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 45
Views: 5002

Re: Savings Bond Wizard to be eliminated 5/18

Well this is an unwelcome new year’s gift. Anyone have any recent experience with converting paper bonds to a Treasury Direct account? The horror stories from a few years back made me very lery to take this step with my kids paper bonds.. I converted paper Ibonds to to Treasury Direct a couple of m...
by GLState
Sat Dec 23, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Request: chart showing returns various assets
Replies: 4
Views: 287

Re: Request: chart showing returns various assets

I used the "search" box. Is this what you're looking for?
viewtopic.php?t=130563
by GLState
Wed Dec 20, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Is there a reason to keep a Target Retirement Fund?
Replies: 17
Views: 1874

Re: Is there a reason to keep a Target Retirement Fund?

Also, VTTSX cannot be "maxed." Your account's contribution for the year can be, but not the mutual fund. Could you please expand on what this means please? Thanks They mean that if this were not a Roth or Traditional IRA you could put an unlimited amount of money into the fund annually - thus there...
by GLState
Sun Dec 17, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17800

Re: Buying Real Silver and Gold (Not Bitcoin)

Years ago, when gold was $280 an ounce, I wanted to buy some bullion but had no idea how to go about doing it. I appreciate the good information in this thread. I do have a question for the more knowledgeable people here. What is the difference between these two items? https://www.jmbullion.com/201...
by GLState
Fri Dec 15, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Active vs. index funds in a recession:
Replies: 11
Views: 982

Re: Active vs. index funds in a recession:

"The belief that bear markets favor active management is a myth. A majority of active funds in eight of the nine domestic equity style boxes were outperformed by indices in the negative markets of 2008. The bear market of 2000 to 2002 showed similar outcomes." SPIVA report for 2008 http://www.spindi...
by GLState
Thu Dec 14, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Almost fell off my chair...
Replies: 16
Views: 4530

Re: Almost fell off my chair...

Ever since following the BH way of investing, life has become less stressful. With the "set it and forget it" mentality, I haven't checked my basic VG three fund portfolio in some months. Logged in this morning just to ensure I am hitting my 401k contribution limit with my last check for the year.....
by GLState
Wed Dec 13, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Files Corrupting Often-Anyone else?
Replies: 7
Views: 612

Re: Quicken Files Corrupting Often-Anyone else?

I've been using Quicken since it was a DOS checkbook program without any problems with file corruption. I would agree with the other poster that suggested a hard drive problem. Your hard drive manufacturer should have a program available to check your drive's health.
by GLState
Mon Dec 11, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Stupid question about VTSAX
Replies: 6
Views: 1204

Re: Stupid question about VTSAX

You can see the all of the stocks held by the Vanguard Total Market fund as of 10/31/2017 here:
https://personal.vanguard.com/us/FundsA ... irect=true
by GLState
Sat Dec 02, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Any Advantage to Purchasing Funds in Round Lots?
Replies: 9
Views: 615

Re: Any Advantage to Purchasing Funds in Round Lots?

I'm saving up to buy a round lot of Berkshire Hathaway A. The piggy bank is getting heavy.
by GLState
Fri Dec 01, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 89
Views: 4466

Re: Is an investment account the best choice for me (new guy)

If you signed up for "paperless", you'll get an email telling you that it is available on the Vanguard site. All statements and transaction information is available on the Vanguard site. You've bought funds, so you should have transaction info available.
by GLState
Fri Dec 01, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 89
Views: 4466

Re: Is an investment account the best choice for me (new guy)

Sometime before the end of the year, many funds will pay out dividends. Your statement will show all the reinvestment details. I reinvest dividends and capital gains.
by GLState
Thu Nov 30, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1961

Re: Reduce risk tolerance - Vanguard Target Funds

The level of the Dow shouldn't have any bearing on your risk tolerance. For me it does, given my age and the $ amount accumulated in my 401k and being in 2050 fund. Heck, if Dow were to double in next year or two, I might sell-all and get out of the market! If the Dow doubled and you got out of the...
by GLState
Thu Nov 30, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1961

Re: Reduce risk tolerance - Vanguard Target Funds

The level of the Dow shouldn't have any bearing on your risk tolerance.
by GLState
Tue Nov 28, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Consumer Confidence Peaks & Market Peaks?
Replies: 2
Views: 365

Re: Consumer Confidence Peaks & Market Peaks?

Consumer Confidence has hit "multi-year" highs numerous times since 2008 without a crash or decline (see St Louis Fed link below). Recently, U of Michigan and the Conference Board indicators have continued to increase, while the Yale measure had a sharp drop. It seems logical that Consumer Confidenc...
by GLState
Sun Nov 26, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: Common Sense on Mutual Funds
Replies: 20
Views: 2272

Re: Common Sense on Mutual Funds

A three fund portfolio of US stocks, international stocks, and total bond is one of the most recommended portfolios on the boglehead site which seems to go against Mr. Bogle's view of international equity being unnecessary. Mr. Bogle does unwillingly "agree" to no more than 20% international equity....
by GLState
Mon Nov 20, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Just Moved $1.6MM from 401K to Vanguard IRAs - now what?
Replies: 10
Views: 2103

Re: Just Moved $1.6MM from 401K to Vanguard IRAs - now what?

You're making your portfolio more complex that it needs to be with your "nods to Merriman". What are your reasons to go beyond a Life Strategy fund, a Total World/ Total Bond combo, or a simple three fund portfolio. Why add treasuries and short term bonds if you're going to buy Total Bond. It seems ...
by GLState
Sat Nov 18, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Anti-Index Fund Arguments - Help staying the course.
Replies: 19
Views: 2701

Re: Anti-Index Fund Arguments - Help staying the course.

Active investing proponents often claim that active will outperform index investing during bad times. Standard & Poors refutes that argument in their 2008 SPIVA Report ( Standard & Poors Index vs Active) The belief that bear markets favor active management is a myth. A majority of active funds in ei...
by GLState
Fri Nov 17, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 5771

Re: Where did you first learn about investing?

My mom was a stock and bond investor, so we always had BusinessWeek, Money, Kiplingers's, Sylvia Porter, Wall Street Journal, and other newspapers and magazines around. She signed my up for USA Today's stock picking contests. Those contests were quite advanced for their day....we had to call in our ...
by GLState
Wed Nov 15, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard portfolio allocation models for various years?
Replies: 3
Views: 611

Re: Vanguard portfolio allocation models for various years?

Have you looked at Simba's Backtesting Spreadsheet https://www.bogleheads.org/forum/viewtopic.php?f=10&t=2520 or Portfolio Visualizer https://www.portfoliovisualizer.com/backtest-portfolio . Either will do what I think you are looking for, but perhaps not as far back as you would like. If you look a...
by GLState
Wed Nov 15, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Shiller is 'concerned' after lowest sentiment data readings in over 16 years
Replies: 8
Views: 2197

Re: Shiller is 'concerned' after lowest sentiment data readings in over 16 years

The Conference Board Consumer Confidence improved to "it's highest level in almost 17 years" in October. https://www.conference-board.org/data/consumerconfidence.cfm The University of Michigan doesn't indicate any drastic changes in consumer sentiment in early November. http://www.sca.isr.umich.edu...
by GLState
Tue Nov 14, 2017 6:35 pm
Forum: Investing - Theory, News & General
Topic: Shiller is 'concerned' after lowest sentiment data readings in over 16 years
Replies: 8
Views: 2197

Re: Shiller is 'concerned' after lowest sentiment data readings in over 16 years

The Conference Board Consumer Confidence improved to "it's highest level in almost 17 years" in October. https://www.conference-board.org/data/consumerconfidence.cfm The University of Michigan doesn't indicate any drastic changes in consumer sentiment in early November. http://www.sca.isr.umich.edu/
by GLState
Tue Nov 14, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: P/E ratio only 18??
Replies: 8
Views: 975

Re: P/E ratio only 18??

http://www.multpl.com/

According to S&P Dow Jones the trailing P/E Ratio is 23.30 as of June 30th, 2017. The Projected P/E Ratio is 18.34 as of Oct 31st..

WSJ ... http://www.wsj.com/mdc/public/page/2_3021-peyield.html
by GLState
Tue Nov 14, 2017 9:58 am
Forum: Investing - Theory, News & General
Topic: Buffett 90/10 Portfolio vs Target Retirement
Replies: 33
Views: 5250

Re: Buffett 90/10 Portfolio vs Target Retirement

John Bogle also says "Forget the needle, buy the haystack". I see the US as only a part of a larger haystack (the world market). We wouldn't think of only buying stocks from the city or state where we were born or raised. Why buy only stocks from the country in which we were born and raised? Google,...
by GLState
Fri Nov 03, 2017 9:27 am
Forum: Investing - Theory, News & General
Topic: Where to obtain (Taylor's) long term total bond returns
Replies: 10
Views: 1602

Re: Where to obtain (Taylor's) long term total bond returns

Evelyn ... The difference you see in Taylor's inflation numbers from published numbers is because he seems to be calculating change from the previous December CPI to the recent December's CPI. Taylor is comparing TBM with inflation, so is calculating the changes in values in a similar way. The FED c...
by GLState
Thu Nov 02, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: Where to obtain (Taylor's) long term total bond returns
Replies: 10
Views: 1602

Re: Where to obtain (Taylor's) long term total bond returns

Another idea! Go to Portfolio Visualizer https://www.portfoliovisualizer.com/backtest-portfolio and enter a portfolio of 100% VBMFX. Click the Analyze button. Scroll down and you'll see a bar chart of each year's returns. Mouse over each bar to see the value. 1987 1.54 last four years... 2013 -2.26 ...
by GLState
Thu Nov 02, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: Where to obtain (Taylor's) long term total bond returns
Replies: 10
Views: 1602

Re: Where to obtain (Taylor's) long term total bond returns

In the page that you linked to, the 15.2% return for 1986 seems extremely high. VBMFX (Total Bond- Investors) has an inception date of 12/11/86. VBMFX began trading 12/11/86 at $10. It finished the year (12/31/86) at $9.94. No dividends were paid.
by GLState
Thu Nov 02, 2017 8:21 am
Forum: Investing - Theory, News & General
Topic: Where to obtain (Taylor's) long term total bond returns
Replies: 10
Views: 1602

Re: Where to obtain (Taylor's) long term total bond returns

Total Return assumes the reinvestment of all dividends. If dividends are not reinvested (spent), investors wouldn't see the same returns. Morningstar is a reliable source for fund return data. You can find inflation data at any of the links below: https://www.minneapolisfed.org/community/teaching-ai...
by GLState
Tue Oct 31, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 66
Views: 7106

Re: Unable to Escape from Quicken Island ...

I've been a Quicken user since it was a DOS checkbook program. I always looked forward to the new versions. But, it has been a long time that any new features have been useful to me. I used Managing Your Money and Microsoft Money in tandem with Quicken for a number years. They've left us. I've looke...
by GLState
Tue Oct 31, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Bi-weekly rebalancing with purchases a bad idea?
Replies: 14
Views: 724

Re: Bi-weekly rebalancing with purchases a bad idea?

I don't think you are doing anything studid or dangerous, but you're probably not affecting your risk or return in a meaningful way either. Shooting for a precise allocation bi-weekly seems to me to be wasted time and effort. Your method may have more benefit in a taxable account rather that a 401K ...
by GLState
Sun Oct 29, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Patient but not that lucky
Replies: 42
Views: 3273

Re: Patient but not that lucky

It is unlikely that we would have invested enough in AMZN, GOOG, APPL, FB, etc to make a difference in our life...they would only have a small allocation in our portfolio. It is unlikely that we would have held these throughout their ups and downs. Would we have sold when we had a 10%, 20% or 50% ga...