Search found 580 matches

by Gort
Thu May 28, 2020 12:34 pm
Forum: Personal Investments
Topic: Why Vanguard Seems to Be Pushing Us Towards ETFs?
Replies: 50
Views: 4333

Re: Why Vanguard Seems to Be Pushing Us Towards ETFs?

I'm curious to get perspective from others on what appears to be a gradual shift in Vanguard's preference for its customers to use their ETFs in lieu of their mutual funds . They prominently tout how easy it is to convert from MFs to ETFs. I'm hearing that their PAS will eventually no longer suppor...
by Gort
Wed May 27, 2020 11:59 pm
Forum: Personal Investments
Topic: If not 3 fund, whats your strategy ?
Replies: 57
Views: 3174

Re: If not 3 fund, whats your strategy ?

I mean David. Also I was thinking aren’t the TDF’s kind of anti boglehead? I mean maybe investors don’t do the “ tinkering” but the “ investment professionals” certainly seem to do a lot of it. Changing the compositions of the funds themselves I mean...not so much the daily rebalancing, but i think...
by Gort
Mon May 25, 2020 7:43 pm
Forum: Personal Consumer Issues
Topic: Anyone buy a car from a rental car company???
Replies: 25
Views: 2595

Re: Anyone buy a car from a rental car company???

Rental car companies also buy cars at the large auctions and put them on the same For Sale lot as their used rentals. The car you purchase from them may never have been a rental car and thus may not have received the same quality of care that you expected. Check the Carfax before buying.
by Gort
Sat May 23, 2020 3:32 pm
Forum: Personal Investments
Topic: Thoughts on Vanguard Global Wellington?
Replies: 12
Views: 632

Re: Thoughts on Vanguard Global Wellington?

I'm not super comfortable with Vanguard Global Indexed funds (VTIAX) . Mostly because I'm not convinced that global markets are fair/priced adequately/not with a large portions of fraudulent stocks. I remember growing up in India - and just reading reports of a bunch of companies that would list th...
by Gort
Sat May 23, 2020 10:50 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 180
Views: 11113

Re: S&P500 vs World Performance

Why would I set my asset allocation based on anonymous comments posted on this forum? I'll trust Vanguard's recommendations.
by Gort
Thu May 21, 2020 12:12 pm
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11444

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

Many suggestions here about using individual funds. I think the OP would be better off in a Target Retirement fund or a Life Strategy Fund. Less chance of making emotional mistakes with these.
by Gort
Wed May 20, 2020 2:25 pm
Forum: Forum Issues and Administration
Topic: New bogleheads induction [Request for new subforum]
Replies: 55
Views: 3093

Re: New bogleheads induction

I think it's a (recurring) problem. I've never been able to think of a good solution. Someone once pointed out that a characteristic of Wikipedia is that if a lot of people are reading an article, there will be a lot of editors following and correcting it, so it is likely to be accurate; if few peo...
by Gort
Wed May 20, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: Buying tires for 2017 Subaru Outback
Replies: 29
Views: 1660

Re: Buying tires for 2017 Subaru Outback

Agree with Morgan Dollar 1921...review these brands at Tirerack.com and read the customer reviews. You'll get much more information there as compared to this forum. Good luck!
by Gort
Sun May 17, 2020 1:28 pm
Forum: Personal Consumer Issues
Topic: Importing an almost new car into CA
Replies: 23
Views: 1429

Re: Importing an almost new car into CA

I thought automobile manufacturers built their vehicles to pass all 50 states' emission regulations. If it's a newer vehicle that passes Illinois testing, it should pass California's without any extra work to be done on the vehicle. Setting that aside, I would just fly to Calif and buy a vehicle the...
by Gort
Fri May 15, 2020 6:49 pm
Forum: Personal Investments
Topic: [Tax issues - Sell before transfer, or transfer in kind?]
Replies: 8
Views: 743

Re: Does it Matter

This forum has been a great wealth of information. I am looking to transfer my IRA that is very stock heavy over to a 3 fund portfolio at Vanguard. Are there any particular tax advantages/disadvantages for selling the stocks before the transfer? Or should I just do a transfer in like kind and then ...
by Gort
Wed May 13, 2020 8:37 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10794

Re: Dentist charges $10 for PPE

JoMoney wrote:
Wed May 13, 2020 1:51 pm
I get prices go up, but I find it annoying when additional charges are added in for something that's not optional.
Do I have a choice as to whether or not they use PPE when they provide the service?
Absolutely not. Why would anybody think otherwise in this high risk occupation?
by Gort
Sun May 10, 2020 10:36 am
Forum: Investing - Theory, News & General
Topic: I am always slightly disappointed with my AA
Replies: 48
Views: 3521

Re: I am always slightly disappointed with my AA

67/33 (equity/bonds). That's a 2:1 ratio. Always wondering if I should just do 60/40 or 70/30. Don't think it matters much.
by Gort
Sat May 09, 2020 2:33 pm
Forum: Investing - Theory, News & General
Topic: A bond rule of thumb better than "age in bonds"
Replies: 152
Views: 10377

Re: A bond rule of thumb better than "age in bonds"

Why not just use one of the many brokerage asset allocation questionnaires, like this one or this one , to determine your appropriate allocation? Those have the advantage of factoring when you plan to start drawing from your savings (if, for example, you retire early because you just can't take it ...
by Gort
Thu May 07, 2020 7:52 pm
Forum: Investing - Theory, News & General
Topic: A bond rule of thumb better than "age in bonds"
Replies: 152
Views: 10377

Re: A bond rule of thumb better than "age in bonds"

The Vanguard Investor Questionaire might be a good place to start. It's probably just as good as an arbitrary age-based rule of thumb.

https://personal.vanguard.com/us/FundsInvQuestionnaire
by Gort
Tue May 05, 2020 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Amica vs USAA Insurance
Replies: 27
Views: 1610

Re: Amica vs USAA Insurance

It's difficult to compare rates with USAA because they usually pay a dividend back annually to policyholders which reduces the effective cost of their coverage. The amount of the dividend is unpredictable, but is often significant. No complaints here about their service. The dividend is very often ...
by Gort
Tue May 05, 2020 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Amica vs USAA Insurance
Replies: 27
Views: 1610

Re: Amica vs USAA Insurance

jcjc wrote:
Tue May 05, 2020 12:22 pm
I would not use USAA if I were you. Good Luck
Why?
by Gort
Fri May 01, 2020 10:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard will be moving their mail operations to El Paso in the future
Replies: 21
Views: 2732

Re: Vanguard will be moving their mail operations to El Paso in the future

Much ado about nothing. At least the low humidity in El Paso will keep the envelopes from sticking together as they go through the mail processing equipment. :sharebeer
by Gort
Wed Apr 29, 2020 4:32 pm
Forum: Investing - Theory, News & General
Topic: What explains the continued rise in equities?
Replies: 167
Views: 12671

Re: What explains the continued rise in equities?

Independent George wrote:
Wed Apr 29, 2020 12:13 pm
Aliens.
Most likely. :happy
by Gort
Tue Apr 21, 2020 8:13 pm
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 78
Views: 6808

Re: For those concerned about International Stocks...

2. What does "with incremental additional benefit up to 50%" mean? Are the incremental benefits large, small, somewhere in between? It means that diversification benefits continue to increase up to a 50/50 split, at least the way Vanguard is calculating it. Above 50% international the portfolio bec...
by Gort
Tue Apr 21, 2020 3:12 pm
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 78
Views: 6808

Re: For those concerned about International Stocks...

The following is Vanguard's recommendation concerning international equities allocation. The information is from the Vanguard Portfolio Watch, Stock Analysis tab... "Vanguard research has shown that while holding some portion of a diversified equity portfolio in international equities has helped to ...
by Gort
Thu Apr 09, 2020 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: [Auto insurance companies issuing refunds due to coronavirus]
Replies: 101
Views: 6536

Re: USAA to Return $520 Million to Members

Chip wrote:
Thu Apr 09, 2020 3:33 pm
$20 for me. Woo hoo!!!
If you don't want it you can send it to me.
by Gort
Mon Apr 06, 2020 2:17 pm
Forum: Personal Investments
Topic: Talk me out of or into increasing international equity allocation
Replies: 61
Views: 3209

Re: Talk me out of or into increasing international equity allocation

Triple digit golfer wrote:
Sun Apr 05, 2020 7:16 pm
Let's be on our best behavior and try not turn this into another U.S. vs. internstional thread. This is specifically about my personal investments.

Too late.
by Gort
Mon Mar 09, 2020 7:43 pm
Forum: Personal Consumer Issues
Topic: Traffic camera ticket
Replies: 78
Views: 3938

Re: Traffic camera ticket

Why would you not pay the fine if you did the crime? I can't believe the number of posts here saying to ignore it. Bogleheads should be more responsible than that.
by Gort
Fri Mar 06, 2020 3:20 pm
Forum: Investing - Theory, News & General
Topic: Risk tolerance and asset allocation with mathematics
Replies: 99
Views: 5902

Re: Risk tolerance and asset allocation with mathematics

Waiting for the Executive Summary on this topic. In the meantime, I'll stick with my 60/40 VSMGX.
by Gort
Fri Feb 28, 2020 12:27 am
Forum: Personal Investments
Topic: Explain to me why dividends aren't real money
Replies: 81
Views: 8219

Re: Explain to me why dividends aren't real money

So if dividends arent real (or "free lunch") money then explain to me how a person buying VOO in March 2000 and holding it for 12 years has a better return than someone buying VOO 12 years later at the exact same price? What is the difference, if not 12 years of dividend payments?? Dividends are re...
by Gort
Wed Feb 05, 2020 8:03 pm
Forum: Personal Consumer Issues
Topic: Would you drive without a spare tire?
Replies: 193
Views: 11286

Re: Would you drive without a spare tire?

I carry two spares when I'm out in the hinterland camping and exploring otherwise I always have one spare. I have a Subaru with an EOM donut spare and I'll put a full size spare on top of the vehicle in a cargo rack. I've only had two flats over the past few years when camping but peace of mind is s...
by Gort
Wed Feb 05, 2020 5:19 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97068

Re: Well, I am market timing... Wish me luck.

Pick an appropriate target date fund, put it all in, don't look back, do something else with your time and energy.
by Gort
Wed Feb 05, 2020 12:14 pm
Forum: Personal Consumer Issues
Topic: Netflix - New Way Of Throttling [DVDs]?
Replies: 62
Views: 8542

Re: Netflix - New Way Of Throttling?

deleted
by Gort
Wed Feb 05, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: My recent experience with buying custom window blinds
Replies: 36
Views: 17060

Re: My recent experience with buying custom window blinds

Dottie57 wrote:
Thu Sep 06, 2018 4:30 pm
J295 wrote:
Thu Sep 06, 2018 7:41 am
Paid a tidy sum to a local custom blinds company and have outstanding blinds
+1. No muss, no fuss. Took shoes off- didn’t track in dirt.
Same here, 5 years ago. I also got a lifetime warranty which I have used once for a failed tilt mechanism.
by Gort
Sun Feb 02, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: What's the difference between Uber and Lyft?
Replies: 63
Views: 5314

Re: What's the difference between Uber and Lyft?

From what i can tell - one has 4 letters and the other 5, Lyft I think is a better scrabble score. Other than that I don't notice anything that matters. In fact, half of the drivers I have used have both program running. On the Lyft web site it doesn't give you the option to select the type of cars...
by Gort
Sat Feb 01, 2020 11:08 pm
Forum: Personal Consumer Issues
Topic: Bench seats vs captains chairs in SUV second row?
Replies: 32
Views: 3081

Re: Bench seats vs captains chairs in SUV second row?

Friends, I'm considering a new 3-row SUV and the second row seating options are either bench seats or 2 captain's chairs. I would rarely have more than 4 people in the vehicle, including myself as the driver. For those of you who have second row captain's chairs, do you miss having a bench seat? Th...
by Gort
Sat Feb 01, 2020 11:02 pm
Forum: Personal Investments
Topic: 3 Bucket Strategy
Replies: 33
Views: 3018

Re: 3 Bucket Strategy

I found the following to be helpful: Longer Lasting Portfolio Report Quote Post by Trev H » Thu Dec 03, 2009 10:04 am Below a simple strategy that I found and saved a few years ago. === A Longer-Lasting Portfolio To make your retirement portfolio last, follow this strategy devised by financial plan...
by Gort
Fri Jan 31, 2020 5:05 pm
Forum: Personal Consumer Issues
Topic: Bench seats vs captains chairs in SUV second row?
Replies: 32
Views: 3081

Re: Bench seats vs captains chairs in SUV second row?

I'm considering a new 3-row SUV and the second row seating options are either bench seats or 2 captain's chairs. I would rarely have more than 4 people in the vehicle , including myself as the driver. For those of you who have second row captain's chairs, do you miss having a bench seat? So can I a...
by Gort
Fri Jan 31, 2020 11:06 am
Forum: Personal Investments
Topic: 3 Bucket Strategy
Replies: 33
Views: 3018

Re: 3 Bucket Strategy

deleted (previously said)
by Gort
Wed Jan 29, 2020 10:02 pm
Forum: Personal Consumer Issues
Topic: Bench seats vs captains chairs in SUV second row?
Replies: 32
Views: 3081

Bench seats vs captains chairs in SUV second row?

Friends, I'm considering a new 3-row SUV and the second row seating options are either bench seats or 2 captain's chairs. I would rarely have more than 4 people in the vehicle, including myself as the driver. For those of you who have second row captain's chairs, do you miss having a bench seat? Tha...
by Gort
Wed Jan 29, 2020 11:21 am
Forum: Investing - Theory, News & General
Topic: Fidelity lets clients now trade fractional shares of stocks and ETFs
Replies: 174
Views: 16059

Re: Fidelity lets clients now trade fractional shares of stocks and ETFs

dkturner wrote:
Wed Jan 29, 2020 10:50 am
Gee, now I can buy 3/1000 of a share of Berkshire Hathaway Class A stock For about $1,000. Now I can tell my friends that I own the Class A “shares”. 8-)
That might even get you a front row seat at the annual shareholders' meeting! :sharebeer
by Gort
Tue Jan 28, 2020 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: How much money can I spend on a car?
Replies: 59
Views: 5247

Re: How much money can I spend on a car?

I personally spend 90% of my money on fast cars and fast women. The other 10% I waste. :sharebeer
by Gort
Mon Jan 27, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: Not allowed to board American Airlines flight - Forced to buy second ticket for same flight - Help requested [UPDATED]
Replies: 125
Views: 16157

Re: Not allowed to board American Airlines flight - Forced to buy second ticket for same flight - Help requested

Tell us more about these 2 AA credit cards you opened? And why you couldn't use them (or any other credit card you might have had available such as your brother's) to purchase a ticket. This is a separate issue from being on any inhibited flyer list. Because if they were opened using AA mailers or ...
by Gort
Mon Jan 27, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: Not allowed to board American Airlines flight - Forced to buy second ticket for same flight - Help requested [UPDATED]
Replies: 125
Views: 16157

Re: Not allowed to board American Airlines flight - Forced to buy second ticket for same flight - Help requested

Nate79 wrote:
Mon Jan 27, 2020 6:42 pm
Tell us more about these 2 AA credit cards you opened?
And why you couldn't use them (or any other credit card you might have had available such as your brother's) to purchase a ticket. This is a separate issue from being on any inhibited flyer list.
by Gort
Mon Jan 27, 2020 5:26 pm
Forum: Personal Consumer Issues
Topic: Not allowed to board American Airlines flight - Forced to buy second ticket for same flight - Help requested [UPDATED]
Replies: 125
Views: 16157

Re: Not allowed to board American Airlines flight - Forced to buy second ticket for same flight - Help requested

Trying to understand this but why were you told you couldn't use your credit card to buy the ticket and had to use the ReadyCARD (purchased with cash)?
by Gort
Sat Jan 25, 2020 1:20 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 5830

Re: Subaru Outback engine stop/start

Mazda has one of the better stop/start systems that is faster and doesn't use the starter. From their website: "While conventional idling stop systems rely on a starter motor to restart the engine, Mazda's i-stop restarts the engine through combustion; fuel is directly injected into a cylinder whil...
by Gort
Wed Jan 22, 2020 4:18 pm
Forum: Personal Consumer Issues
Topic: Costco Optometrist vs Independent Office Eye dr
Replies: 42
Views: 2902

Re: Costco Optometrist vs Independent Office Eye dr

Limited and naive medical advice being posted on this forum site as usual. My best exams including thorough health evaluation were in the optometrist's office. Ophthalmologist never spends time talking to me and explaining things. They are always in a hurry to get to the next patient. See the optome...
by Gort
Mon Jan 20, 2020 10:14 pm
Forum: Personal Consumer Issues
Topic: Image stabilization
Replies: 9
Views: 705

Re: Image stabilization

Lensrentals is excellent! I would rent from them rather than buying an expensive pair of binoculars.
by Gort
Mon Jan 20, 2020 6:04 pm
Forum: Personal Consumer Issues
Topic: If you could only listen to one podcast...
Replies: 138
Views: 11516

Re: If you could only listen to one podcast...

The Johhny Carson Show. Hilarious opening monologues and guest interviews. I listened to Carnac the Magnificent last night. About 30 minutes long. Here's Johnny........:)
by Gort
Sat Jan 18, 2020 11:48 am
Forum: Personal Investments
Topic: Why are Vanguard Target Retirement dates tilted toward equities?
Replies: 22
Views: 1550

Re: Why are Vanguard Target Retirement dates tilted toward equities?

Deleted (similar response already mentioned).
by Gort
Sat Jan 18, 2020 11:28 am
Forum: Investing - Theory, News & General
Topic: What is considered a lot of money to have saved up?
Replies: 61
Views: 7523

Re: What is considered a lot of money to have saved up?

The amount of money you leave on the table when you finally check out.
by Gort
Sun Jan 12, 2020 12:13 pm
Forum: Investing - Theory, News & General
Topic: Why are Dividend Stocks pushed so hard?
Replies: 129
Views: 6707

Re: Why are Dividend Stocks pushed so hard?

If dividend stocks are so great, then why are the total returns of Vanguard High Dividend Yield Index (VHDYX) and Vanguard Total Stock Market Index (VTSMX) so similar? See e.g. the Morningstar comparison growth chart in the following post. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=29421...
by Gort
Sat Jan 11, 2020 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Using Costco CASH Cards at Automotive section
Replies: 31
Views: 2293

Re: Using Costco CASH Cards at Automotive section

Maybe buying a set of jumper cables with the Costco cash cards would have been a better choice from the beginning. :sharebeer
by Gort
Fri Jan 10, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Using Costco CASH Cards at Automotive section
Replies: 31
Views: 2293

Re: Using Costco CASH Cards at Automotive section

Yes, I am a member but the whole idea and what Costco online website states is that the Costco Gift Cards are for just this type of purchase --- no need to be a member but just use it as a Guest and good as CASH. Bewildered! As to batteries, their Interstate (there are only 2 manufacturers in the U...