Search found 478 matches

by Gort
Mon Jun 17, 2019 10:30 pm
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 47
Views: 1957

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

Paying $800 for a pair of glasses is an outrage, you are being hoodwinked by the optometrist as well as your own ego to feel better that you got the “best” at $800. You could easily get top of the line for $300 at Costco AND be able to donate the extra $ to an individual/charity that does not have ...
by Gort
Tue Jun 11, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 50
Views: 2353

Re: Passport photos cheap

boogiehead wrote:
Tue Jun 11, 2019 7:16 am
Costco... took pic, grabbed and ate my hot dog combo, go back to pickup pics.
Funny. True.
by Gort
Mon May 13, 2019 8:50 pm
Forum: Forum Issues and Administration
Topic: For how long will the forum be around?
Replies: 94
Views: 7217

Re: For how long will the forum be around?

One Ping wrote:
Mon May 13, 2019 8:42 pm
Until the "When do I take Social Security?" question is resolved to everyone's satisfaction. :oops:
Add to that the discussions concerning how much international to own. :|
by Gort
Mon May 13, 2019 10:22 am
Forum: Personal Investments
Topic: Expense ratios Life Strategy Mod. vs. individual holdings
Replies: 9
Views: 778

Re: Expense ratios Life Strategy Mod. vs. individual holdings

Check out the following discussion concerning the same question I asked a few years ago...

viewtopic.php?f=1&t=164844&p=2475968#p2475968

(FYI I went with the individual 4 funds).
by Gort
Tue May 07, 2019 12:55 pm
Forum: Personal Investments
Topic: How to decide on asset allocation? Overwhelmed by information online
Replies: 40
Views: 4074

Re: How to decide on asset allocation? Overwhelmed by information online

With the uncertainty in AA you have expressed, I feel that 60/40 stock/bond would be a good starting point for a 40 year retirement plan. I would consider 70/30 for someone looking for more rewards, and 50/50 for someone scared of market losses. Which of these two choices motivates your decision ma...
by Gort
Thu Mar 28, 2019 3:19 pm
Forum: Personal Investments
Topic: Change international % in equities over time?
Replies: 11
Views: 926

Re: Change international % in equities over time?

The Morningstar Indexes (a set of suggested asset allocations becoming more conservative over time) reduces the international:USA percentage over time. The Vanguard funds maintain a constant international:USA percentage over time. Who's correct? Nobody knows and it probably doesn't matter. I would j...
by Gort
Thu Mar 28, 2019 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Timing of Medicare application
Replies: 2
Views: 276

Re: Timing of Medicare application

The sign up period begins 3 months before the month you turn 65. April 1 will work.
by Gort
Mon Mar 18, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: Visiting Tucson, AZ for 3 days - what to see?
Replies: 46
Views: 1746

Re: Visiting Tucson, AZ for 3 days - what to see?

Thanks for the early replies. To clarify, the outdoor type museums are fine. I enjoy the geography and geology more than looking at indoor exhibits. I was in Sedona 4 months ago. Very nice recommendation but my time on this trip will be in the Tucson area. Hoping to get some sunrise and sunset picur...
by Gort
Mon Mar 18, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: Visiting Tucson, AZ for 3 days - what to see?
Replies: 46
Views: 1746

Visiting Tucson, AZ for 3 days - what to see?

Friends,
I will have a short trip to Tucson the first week in April, staying 3 days. What sites to see do you recommend? I prefer the outdoors rather than museums. I'll have a rental car.
Thanks!
Gort
by Gort
Thu Feb 28, 2019 10:03 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 205
Views: 12086

Re: Do others dislike Vanguard's new website as much as me?

No problems for me. It's as good as any other.
by Gort
Fri Feb 22, 2019 5:36 pm
Forum: Personal Investments
Topic: Why Not 5 years of Expenses in Fixed Income, Remainder in Equities?
Replies: 49
Views: 4508

Why Not 5 years of Expenses in Fixed Income, Remainder in Equities?

Friends, I read an article by Jonathan Clements (October 2018) where he suggested a fixed income asset allocation determined by having 5 years worth of living expenses in fixed income such as short-term bonds/cash and the remainder in equities. He said a bear market rarely lasts over 5 years and if ...
by Gort
Thu Feb 21, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 37
Views: 3081

Re: Car Rental in Mexico

I've done it and would do it again. I have no interest in traveling on a bus with fanny pack wearing tourists. Understand the insurance and don't get ripped off. Pay for everything in local currency. Know exactly where you are going. Get a cheap car. Standing out from three miles away is not good. ...
by Gort
Sat Jan 26, 2019 5:16 pm
Forum: Personal Investments
Topic: 55yrs old 50/50 or 60/40 in this environment
Replies: 19
Views: 2505

Re: 55yrs old 50/50 or 60/40 in this environment

In the following link Jonathan Clements offers some advice as to how to select a fixed income/equity asset allocation...

https://humbledollar.com/2018/10/warning-shot/
by Gort
Thu Jan 24, 2019 8:37 pm
Forum: Personal Investments
Topic: Rethinking the bond percentage.
Replies: 43
Views: 3835

Re: Rethinking the bond percentage.

Jonathan Clements (a well respected journalist in this forum) has an excellent October 26, 2018 article from his website offering three different suggestions as to how to determine your asset allocation between equities and fixed income. https://humbledollar.com/2018/10/warning-shot/ I particularil...
by Gort
Thu Jan 24, 2019 6:43 pm
Forum: Personal Investments
Topic: Rethinking the bond percentage.
Replies: 43
Views: 3835

Re: Rethinking the bond percentage.

Jonathan Clements (a well respected journalist in this forum) has an excellent October 26, 2018 article from his website offering three different suggestions as to how to determine your asset allocation between equities and fixed income. https://humbledollar.com/2018/10/warning-shot/ I particularil...
by Gort
Thu Jan 24, 2019 1:29 pm
Forum: Personal Investments
Topic: Rethinking the bond percentage.
Replies: 43
Views: 3835

Re: Rethinking the bond percentage.

Jonathan Clements (a well respected journalist in this forum) has an excellent October 26, 2018 article from his website offering three different suggestions as to how to determine your asset allocation between equities and fixed income.

https://humbledollar.com/2018/10/warning-shot/
by Gort
Wed Jan 16, 2019 10:18 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 51506

Re: John Bogle has died at age 89

God Bless you Jack.
by Gort
Thu Jan 10, 2019 10:09 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 13190

Re: Recommendations for a 9mm handgun

JoMoney wrote:
Tue Jan 08, 2019 4:14 pm
mak1277 wrote:
Tue Jan 08, 2019 4:10 pm
Gort wrote:
Tue Jan 08, 2019 3:58 pm
Odd discussion for a financial forum.
More or less odd than "what's the best type of men's underwear"? :)
We have lots of consumer product/purchase discussions.
Big difference in taking anonymous advice from the internet between guns and underwear.
by Gort
Tue Jan 08, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 13190

Re: Recommendations for a 9mm handgun

Odd discussion for a financial forum.
by Gort
Wed Dec 26, 2018 3:00 pm
Forum: Personal Investments
Topic: Withdrawal phase - Monthly vs Annually in Retirement?
Replies: 28
Views: 2661

Re: Withdrawal phase - Monthly vs Annually in Retirement?

I'm in the "it doesn't matter" camp and based on that I chose a system I was both familiar and comfortable with. I place a year's expenses in high yield savings and transfer monthly expenses to checking. Simplicity allows me to focus on more important things. Yes, that's what I did last year (my fi...
by Gort
Wed Dec 26, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7694

Re: Nice jeans for work with lowest average cost of ownership

LL Bean. Mix it up with different colors. I always liked black jeans. Get flannel-lined ones for colder climates.
by Gort
Wed Dec 26, 2018 11:54 am
Forum: Personal Investments
Topic: Withdrawal phase - Monthly vs Annually in Retirement?
Replies: 28
Views: 2661

Withdrawal phase - Monthly vs Annually in Retirement?

Friends, Is their an advantage or benefit one way or the other concerning the method one chooses to withdraw from a 60/40 balanced portfolio in a traditional IRA in retirement? Specifically, is it better to make equal monthly withdrawals (based on the total annual amount desired) or make one annual ...
by Gort
Wed Dec 26, 2018 12:21 am
Forum: Investing - Theory, News & General
Topic: Keep Calm and Boglehead On!
Replies: 36
Views: 5636

Re: Keep Calm and Boglehead On!

(deleted)
by Gort
Sun Dec 23, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Costco Tire Quality Seconds/Blems??
Replies: 31
Views: 3060

Re: Costco Tire Quality Seconds/Blems??

I purchased 4 Michelin Defender tires for my 2017 CRV from Costco a few days ago and have a problem with them being very noisy, actually more than the original tires that came with the CRV when new. I did a post on another web site regarding the noise and one of the comments is noted below. Have yo...
by Gort
Sat Dec 15, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: AA for a Retiree being a Booglehead
Replies: 20
Views: 1772

Re: AA for a Retiree being a Booglehead

What would be the stock bond mix for someone in retirement , that would go along with the 3 fund portfolio. Is it your age in bonds? Or do you still keep with the pre retirement mix? I read somewhere John Bogle had an idea about this but I couldn't find it. Thank you for any help Tatala1945, Years ...
by Gort
Thu Dec 06, 2018 12:03 am
Forum: Personal Consumer Issues
Topic: Need hotel near LAX
Replies: 15
Views: 1428

Need hotel near LAX

Friends,
Can you suggest a clean, quiet, reasonably priced hotel close to LAX with airport shuttle service. One night stay.
Thanks,
Gort
by Gort
Mon Nov 19, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6533

Re: Point and shoot camera

For those who don't know https://www.dpreview.com/ is a fabulous camera/photography site. They have Forums, not as well moderated as they are here but nevertheless moderated, for just about every brand and class of camera where folks can help if someone has a problem. They also review cameras, came...
by Gort
Sat Nov 17, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Why do rental car companies give you all keys?
Replies: 6
Views: 915

Why do rental car companies give you all keys?

Friends, Just wondering, frequently when I get a rental car the rental car company gives me all the keys to the car. Usually 2 main keys and sometimes a valet key all hooked together on a single wire loop. Why do they do that? You can't seperate the keys so it seems silly to have them all. If I lose...
by Gort
Wed Nov 14, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 36
Views: 5304

Re: 2019 Subaru Forester Vs. 2019 Rav 4

People have been waiting so long for the new RAV4 that I bet there will be no deals to be had for the first year of production. You'll likely be paying sticker or near sticker if you want one. That said, all Subarus are AWD . If you don't need AWD, why pay the higher maintenance costs of AWD? (The ...
by Gort
Thu Nov 01, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Federal Employees Dental and Vision Insurance Program (FEDVIP) dental coverage
Replies: 14
Views: 1467

Federal Employees Dental and Vision Insurance Program (FEDVIP) dental coverage

Friends, Does anyone have experience with the Federal Employees Dental and Vision Insurance Program (FEDVIP), specifically related to dental coverage only? I become eligible for this elective program starting 1/1/2019 as part of my retired military benefits. I would participate via the Delta Dental ...
by Gort
Mon Oct 29, 2018 3:44 pm
Forum: Investing - Theory, News & General
Topic: Anyone else feel giddy every time VXUS gets creamed? [Vanguard Total International]
Replies: 69
Views: 6570

Re: Anyone else feel giddy every time VXUS gets creamed?

No, not really. Retired and no longer accumulating. Got tired of watching the market and second guessing my asset allocations so I recently put my IRA into VSMGX (Life Strategy Moderate Growth Fund). VSMGX with its 60/40 split is good enough for me forever. I'm fine with the international components...
by Gort
Tue Oct 23, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 5042

Re: When Will Attaining Millionaire Status Be Obsolete?

staythecourse wrote:
Tue Oct 23, 2018 4:49 pm
Hard to believe we are so elitist as a forum many feel millionaire is no big deal. It is a VERY big deal. The % of folks who are millionaires in the U.S. make the odds still low so one should feel proud of making it if that is their goal in the first place.

Good luck.
^^^This^^^
by Gort
Thu Oct 11, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7635

Re: My life saved by New subaru. Almost died.

delamer wrote:
Thu Oct 11, 2018 6:50 pm
Dottie57 wrote:
Thu Oct 11, 2018 2:39 pm
I love the safety features on my new Camry. Auto breaking s a great feature.
I’d much prefer auto “braking.” :shock:
MY Fiat 850 had the best "auto BREAKING" features of any car I previously owned, followed closely by a 1982 Camaro.
by Gort
Wed Oct 10, 2018 7:19 pm
Forum: Personal Investments
Topic: Foreign bonds
Replies: 14
Views: 891

Re: Foreign bonds

I hold about 5% of my portfolio in Vanguard Total Intl Bond, and my reasons for holding it is not at all related to efficient frontier or anything like that. It's purely out of fear of US treasuries blowing up and I am left with no money other than this 5% in foreign debt issued by several countrie...
by Gort
Mon Oct 08, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: Debunking Bonds in Taxable
Replies: 99
Views: 11127

Re: Debunking Bonds in Taxable

After we come to a consesnus on this topic, perhaps we could discuss the "How much international should I hold?" topic. :oops:
by Gort
Fri Sep 28, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Costco vision / first time at Costco
Replies: 21
Views: 2049

Re: Costco vision/first time at Costco

Well I paid $69 for exam plus $29 for some other test. I may be able to get partial out of network reimbursement. If I had it to do over I'd get the exam somewhere in network for $10 and get the glasses at Costco. The exam place was small and a bit dumpy but we got in and out really fast. Did get g...
by Gort
Tue Sep 18, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26533

Re: What is your single most expensive mistake?

Lots of little ones I learned from but this was the most recent: $3,000 deposit to special order a BMW with an estimated 3 month build time. Cancelled the deal 2 months later as circumstances changed (I relocated closer to children). Asked for the deposit back, they said no, I moved on.
by Gort
Sat Sep 15, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5793

Re: [Wearing] Shorts in Egypt

Smurf wrote:
Sat Sep 15, 2018 5:50 am
This board cracks me up. I bet everyone looks elegant in their fancy pants getting out of their 26 year old multi-colored Camry with missing hub caps.
Also with reupholstered cloth seats.
by Gort
Fri Sep 14, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4201

Re: How often do you guys get alignment done on your cars?

Every time I have my carburetor cleaned. Or when I get the distributor points changed. you should do it every time you have the commutator ground on your generator ...and after every time you have to readjust your float valve in your carburetor (and, of course, at that time you should take out and ...
by Gort
Fri Sep 14, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5793

Re: [Wearing] Shorts in Egypt

Clown here. :sharebeer
by Gort
Tue Sep 11, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4201

Re: How often do you guys get alignment done on your cars?

mhc wrote:
Tue Sep 11, 2018 4:17 pm
Every time I have my carburetor cleaned.
Or when I get the distributor points changed.
by Gort
Wed Aug 29, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Chipotle question
Replies: 73
Views: 4716

Re: Chipotle question

What meat do you get? I used to get the chicken but lately it has been too gristly. Not sure why. Sometimes I don't think they cook it enough also. I recently swithed to steak or Barbacoa beef. Could be this. It's becoming much more common. We've definitely noticed it in chicken we've purchased at ...
by Gort
Wed Aug 29, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Chipotle question
Replies: 73
Views: 4716

Re: Chipotle question

What meat do you get? I used to get the chicken but lately it has been too gristly. Not sure why. Sometimes I don't think they cook it enough also. I recently swithed to steak or Barbacoa beef.
by Gort
Thu Aug 23, 2018 12:16 am
Forum: Investing - Theory, News & General
Topic: Any issue with not holding mid caps?
Replies: 50
Views: 4122

Re: Any issue with not holding mid caps?

According to Morningstar the structure of the US total market is as follows: Large cap 76% Mid cap 18% Small cap 6% If I were to tilt small, as many here do, I would be squeezing the mid cap band to an insignificant portion of my portfolio. Would I suffer any negative consequences by doing so? Has ...
by Gort
Wed Aug 22, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Toyota Camry - Considering Purchase - Panoramic Sunroof?
Replies: 30
Views: 2265

Re: Toyota Camry - Considering Purchase - Panoramic Sunroof?

I have a sun roof and love it. It’s great for letting out the heat very quickly. I love using it in the p.m. spring, summer and hopefully fall. I bought the car at end of April. Love sunroofs. Wouldn't buy a car without one if purchasing new. Are you referring to a Panoramic Sunroof (entire cabin h...
by Gort
Wed Aug 22, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 17573

Re: Good Non-Boring Boglehead Cars Under $30k

It's always more fun to drive a slow car fast rather than a fast car slow.
by Gort
Tue Aug 21, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry - Considering Purchase - Panoramic Sunroof?
Replies: 30
Views: 2265

Re: Toyota Camry - Considering Purchase - Panoramic Sunroof?

Love sunroofs. Wouldn't buy a car without one if purchasing new.