Search found 594 matches

by Gort
Fri Jun 26, 2020 7:24 pm
Forum: Personal Investments
Topic: Trying best to minimize country (USA) risk in my portfolio
Replies: 10
Views: 1028

Re: Trying best to minimize country (USA) risk in my portfolio

Talk to a Vanguard personal adviser.
by Gort
Mon Jun 22, 2020 10:54 am
Forum: Personal Investments
Topic: Do you need more than 1 bond fund? Vanguard thinks so...
Replies: 23
Views: 2439

Re: Do you need more than 1 bond fund? Vanguard thinks so...

nix4me wrote:
Mon Jun 22, 2020 6:46 am
Its the International bonds that don't make sense
Why is that? (not criticizing, trying to learn).
by Gort
Wed Jun 17, 2020 12:07 pm
Forum: Personal Investments
Topic: Ditching International
Replies: 274
Views: 15677

Re: Ditching International

After reading this thread I am choosing to continue to hold 20% of my equities in international. Some say zero, others say 40 - 50%. Twenty percent is a compromise and is enough to serve as a hedge against a drop in the value of the U.S. dollar. Imagine this was a medical forum instead of an invest...
by Gort
Mon Jun 08, 2020 2:04 pm
Forum: Personal Investments
Topic: Target Date worth it?
Replies: 21
Views: 2044

Re: Target Date worth it?

My problem with the Target Date fund is they are too heavy in International Stocks and have zero International Bonds . Overall it's a great product but I'd rather customize those ratios myself, and save a few ER points in the process. If you are in a taxable account then they make a lot of sense so...
by Gort
Sun Jun 07, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 447
Views: 24805

Re: What fun car should I get in the $150k - $200k range?

Gort wrote:
Sat Jun 06, 2020 4:47 pm
I would buy 7 Mazda Miatas. One for every day of the week. Get them all painted a different color.
Not much love for a fleet of rainbow colored Miatas. :beer
by Gort
Sat Jun 06, 2020 4:47 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 447
Views: 24805

Re: What fun car should I get in the $150k - $200k range?

I would buy 7 Mazda Miatas. One for every day of the week. Get them all painted a different color.
by Gort
Fri Jun 05, 2020 7:42 am
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 94
Views: 8733

Re: Anyone screwed up timing the market?

I've become more jaded and cynical about the effectiveness of individually managed portfolios over the years. Many people who make good plans often cannot stick to them when the markets experience sudden downturns and fear is everywhere. It is easy to read Jack Bogle's books, set an asset allocatio...
by Gort
Wed Jun 03, 2020 9:00 pm
Forum: Personal Investments
Topic: Anti-Vanguard Broker Experiment - So Far
Replies: 25
Views: 1861

Re: Anti-Vanguard Broker Experiment - So Far

galawdawg wrote:
Wed Jun 03, 2020 7:15 pm
Someone mentioned in a different thread that Vanguard has removed their phone number from their website! :oops:
For those concerned, the phone numbers are there.
by Gort
Tue Jun 02, 2020 7:57 pm
Forum: Personal Investments
Topic: Does every one here only have 3 funds in their portfolios?
Replies: 131
Views: 8065

Re: Does every one here only have 3 funds in their portfolios?

02nz wrote:
Tue Jun 02, 2020 6:13 pm
Gort wrote:
Tue Jun 02, 2020 4:59 pm
One fund. VSMGX
That's 4 funds!
:sharebeer
by Gort
Mon Jun 01, 2020 4:31 pm
Forum: Investing - Theory, News & General
Topic: Single Favorite Mutual Fund
Replies: 102
Views: 10350

Re: Single Favorite Mutual Fund

VSMGX - Vanguard Life Strategy Moderate Growth.
by Gort
Sun May 31, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 41
Views: 2599

Re: Fold Flat Seats in a 2019/2020 car

Which Chinese cars? I know of just one "Chinese" car sold in America - Buick Envision. Volvo. So Land Rovers are Indian cars, and Jeeps are Italian cars? And the Buick Envision I mentioned, made in China made of mainly Chinese components, is an American car? I get that it's complicated when many ca...
by Gort
Sat May 30, 2020 9:58 pm
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 41
Views: 2599

Re: Fold Flat Seats in a 2019/2020 car

Options I am looking at. Most of the German/Chinese cars will likely be stricken from the list. Approximate prices from low to high. Which Chinese cars? I know of just one "Chinese" car sold in America - Buick Envision. Volvo. So Land Rovers are Indian cars, and Jeeps are Italian cars? And the Buic...
by Gort
Sat May 30, 2020 7:20 pm
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 41
Views: 2599

Re: Fold Flat Seats in a 2019/2020 car

02nz wrote:
Sat May 30, 2020 7:07 pm
sad2 wrote:
Fri May 29, 2020 10:55 pm
Options I am looking at. Most of the German/Chinese cars will likely be stricken from the list. Approximate prices from low to high.
Which Chinese cars? I know of just one "Chinese" car sold in America - Buick Envision.
Volvo.
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: 4797

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: 66
Views: 4397

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: 2728

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: 657

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: 195
Views: 13203

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: 11798

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: 59
Views: 3782

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: 1771

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: 1487

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: 768

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: 11429

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: 3575

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: 10668

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: 10668

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: 1677

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: 1677

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: 36
Views: 4834

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: 12918

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: 7018

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: 7018

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: 6909

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: 3235

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: 3970

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: 100
Views: 6433

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: 8332

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: 11642

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: 1220
Views: 107767

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: 9229

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: 18863

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: 5413

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: 3842

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: 3087

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: 3842

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: 3087

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: 3842

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: 180
Views: 17272

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