Search found 130 matches

by gmtret
Sun Sep 08, 2019 5:13 pm
Forum: Investing - Theory, News & General
Topic: Bogle’s Q&A with Bogleheads
Replies: 1
Views: 295

Re: Bogle’s Q&A with Bogleheads

While I never heard him speak, I do thank you for your sharing the Money article...ta. And while I think that it's a damm shame Saint Jack was never awarded the Medal of Freedom while living, hopefully it may be awarded posthumously... hey- a guy can hope, can't he?

Good luck,
Chris
by gmtret
Sun Jun 02, 2019 10:04 pm
Forum: Investing - Theory, News & General
Topic: You May Never See Your Grandchildren Again
Replies: 83
Views: 14976

Re: You May Never See Your Grandchildren Again

Aye... about all that I can say is caveat emptor; grifters are ubiquitous.
by gmtret
Sat Jun 01, 2019 5:55 pm
Forum: Investing - Theory, News & General
Topic: Concerning Ibonds- sales 1099 both paper & TD
Replies: 12
Views: 944

Re: Concerning Ibonds- sales 1099 both paper & TD

A big thank you to all who replied as I am now better informed. :D

Good luck,
Chris
by gmtret
Fri May 31, 2019 1:06 am
Forum: Investing - Theory, News & General
Topic: Global Inflation - Targeted into Submission?
Replies: 22
Views: 1991

Re: Global Inflation - Targeted into Submission?

While, admittedly, this inflation pontificating is above my pay grade, I will say that inflation is the easiest way to evade the ever increasing debt "crisis." Avoiding that, for obvious forum rules concerning politics et al I herein state that inflation protection is worth the price. I firmly belie...
by gmtret
Thu May 30, 2019 10:19 pm
Forum: Investing - Theory, News & General
Topic: Concerning Ibonds- sales 1099 both paper & TD
Replies: 12
Views: 944

Concerning Ibonds- sales 1099 both paper & TD

While I am not ready to sell any of those sweet paper Ibonds bought back in the day (hat tip at Mel), I do wonder about what tax info is provided when you sell, and does method of Bank or TD differ in how tax info is provided. I suppose I could search it out on the wiki but guess what I like about t...
by gmtret
Tue Apr 02, 2019 4:32 am
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 10380

Re: Series I Savings Bonds Buying Opportunity

Welp about all I can say is a big :"thank you!" to Mel, who back in the day introduced the diehards to these instruments... I've still got some of those sweet ones and will pay the taxes when they come due,

Good luck,
Chris
by gmtret
Mon Mar 25, 2019 11:29 pm
Forum: Investing - Theory, News & General
Topic: New Brokerage platform
Replies: 10
Views: 1392

Re: New Brokerage platform

I own nothing but mutual funds, and as far as I am concerned, V* can switch to the new platform when I'm dead and gone. From everything I've read there is no way they casn make you switch. :twisted:
by gmtret
Sun Feb 10, 2019 7:22 pm
Forum: Investing - Theory, News & General
Topic: VFSVX to Admiral... must I switch to new platform?
Replies: 4
Views: 698

Re: VFSVX to Admiral... must I switch to new platform?

Thanks to all for the replies as I'll pass on the brokerage acct for a variety of reasons...

Good luck,
Chris
by gmtret
Sat Feb 09, 2019 2:07 am
Forum: Investing - Theory, News & General
Topic: VFSVX to Admiral... must I switch to new platform?
Replies: 4
Views: 698

VFSVX to Admiral... must I switch to new platform?

I noticed today that VFSVX was available for admiral shares. In checking this out I noticed that the fnd now owned has the old number by acct designation, while the new admiral shares had a different designation. Does anyone know whether I must switch to the brokerage platform if I want the admiral ...
by gmtret
Thu Jun 28, 2018 3:35 am
Forum: Investing - Theory, News & General
Topic: Time to buy.
Replies: 10
Views: 2565

Re: Time to buy.

Pfftt... do what thou will is the whole of the law. with the caveat, of course, that the market could/can remain irrational longer than you can remain solvent. Good luck!
by gmtret
Wed May 30, 2018 1:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2145881

Re: U.S. stocks in freefall

Meh... this is nothing in the scheme of things. Establish a diversified portfolio and add to it as you can. Ignore the fluctuations and add to it as you can.

History reports that patience and steadfastness will out.
by gmtret
Sat May 12, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 48
Views: 6216

Re: Which City to spend 4-6 weeks?

I would suggest Galway, on the west coast of Ireland. It is a heck of a town with lots of festivals. I was there back in 2002, and loved it so much that I stayed until 2006! Fly into Shannon where public transport will get you to Galway.
by gmtret
Sun Jan 14, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 100
Views: 21462

Re: Dave Ramsey's Millionaire Study

JoMoney wrote:
Sun Jan 14, 2018 5:35 am
gmtret wrote:
Sun Jan 14, 2018 4:54 am
P. T. Barnum smiles gleefully from the grave...
Good Boglehead'ish book: The Art of Money Getting; Or, Golden Rules for Making Money by P. T. Barnum
https://www.gutenberg.org/files/8581/8581-h/8581-h.htm
Thank you very much for the link. I'll indeed give it a read. :D

Good luck,
Chris
by gmtret
Sun Jan 14, 2018 4:54 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 100
Views: 21462

Re: Dave Ramsey's Millionaire Study

P. T. Barnum smiles gleefully from the grave...
by gmtret
Sun Dec 10, 2017 11:42 pm
Forum: Investing - Theory, News & General
Topic: investing in taxable accounts
Replies: 10
Views: 2078

Re: investing in taxable accounts

Live dreams... travel. :idea:
by gmtret
Sun Dec 03, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 11955

Re: What did you do right?

I must say that automating my investments has been the most positive among the things that I have done right, such that investments occurred monthly with no regard to market movements. Other than that, I'd guess that finding the Diehards back in the nineties was indeed fortuitous. :) Good luck, Chris
by gmtret
Sun Jun 18, 2017 3:15 am
Forum: Personal Investments
Topic: Thinking of changing my international allocation
Replies: 19
Views: 2424

Re: Thinking of changing my international allocation

I meself say, " Stay the course." I don't know how long you have held your current allocation but I personally would not mess with the apparent momentum.
by gmtret
Sun Jun 18, 2017 3:06 am
Forum: Personal Investments
Topic: Options for Saving for a First-Home Down Payment
Replies: 25
Views: 3164

Re: Options for Saving for a First-Home Down Payment

I will fund & max the ROTH first. Then, the rest will go to any high yield CD. If a good house come by, I can always it out from the CD. Unless you already have money, a CD might not work - you have to fund it and leave it. c I totally disagree with the "You can't add money to an existing CD" point...
by gmtret
Sat Jan 21, 2017 5:46 am
Forum: Investing - Theory, News & General
Topic: International equity allocation - do you tilt to EM?
Replies: 22
Views: 2561

Re: International equity allocation - do you tilt to EM?

I have had as much as 40% international in the recent past, and any changes there is due to mkt fluctuations. I split my international between VTIAX (total international) and VFSVX (total international "small" cap. According to V*'s cutting edge portfolio analysis tool, EM comprises 20% of the globa...
by gmtret
Thu Dec 29, 2016 5:28 am
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 12270

Re: How many of you invest 100% at Vanguard?

OOPS! I do have a few of those sweet, sweet I Bonds from back in the day and please allow me to thank Mel again for shedding light on them.

Good luck and holiday salutations! :sharebeer
Chris
by gmtret
Thu Dec 29, 2016 5:15 am
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 12270

Re: How many of you invest 100% at Vanguard?

I use two financial conglomerates (for lack of a better word): Vanguard and NFCU. I did not begin investing until 1996 and was introduced to V* via "A Random Walk..." I was lucky enough to begin my investing education with M*'s Diehards sometime in 1997. (When the student is ready a teacher will app...
by gmtret
Wed Dec 14, 2016 6:11 am
Forum: Investing - Theory, News & General
Topic: Are bond funds really low-risk?
Replies: 43
Views: 4727

Re: Are bond funds really low-risk?

Bond funds have interest rate risk that increases with duration. Bond fund losses can be severe if you venture into long bonds, high yield bonds, and emerging market bonds. It's important to understand what your investments and what the risks are. A family member commented about how "the dollar had...
by gmtret
Wed Dec 14, 2016 5:52 am
Forum: Investing - Theory, News & General
Topic: Bogle says (US) has the best investor protections and legal institutions
Replies: 88
Views: 8709

Re: Bogle says (US) has the best investor protections and legal institutions

At some levels we (perhaps) do. At some levels who knows?
It seems to work (until it doesn't.)
See the ratings agencies and subprime (perhaps another realm?)

Sorry- I need tea. Good luck,
Chris
by gmtret
Thu Oct 13, 2016 2:29 am
Forum: Investing - Theory, News & General
Topic: Navy Federal Credit Union - not so different from banks
Replies: 45
Views: 8106

Re: Navy Federal Credit Union - not so different from banks

I have been a member of Navy Federal since the seventies and I find this to be disheartening, to say the least. At the same time I will continue using NFCU as my primary bank because if they ever loan me money I will surely pay them back. It is the people who don't pay their bills that I have a prob...
by gmtret
Thu Feb 04, 2016 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Jet Blue moving to Barclays
Replies: 4
Views: 1328

Re: Amex Jet Blue moving to Barclays

Thank you both for the replies. I decided to go with the new Amex come what may...

Good luck,
Chris
by gmtret
Wed Feb 03, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 58177

Re: Vanguard TurboTax - Not Available 2015?

I have read most of this thread in the past and really don't desire to read them all again. Can anyone tell me the least expensive provider for doing a simple return inclusive of e-file for state? I am leaning toward H&R Block which I understand is able to get last years from TT and with the cost fo...
by gmtret
Wed Feb 03, 2016 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Jet Blue moving to Barclays
Replies: 4
Views: 1328

Amex Jet Blue moving to Barclays

Hiya, all... I performed a search and got no hits so I thought I would try to get some insight here... On or about March 21 Amex's Jet Blue card will no longer be offered and will switch to a Barclay's master card. I have had the Amex card for 8 years and I liked the amount of credit they provided (...
by gmtret
Fri Feb 27, 2015 6:33 am
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 24
Views: 6288

Re: This Morning's Dilbert - Investment Help

Thanks for all the lol's from Dilbert! I had an Organization Theory Prof back in the day that absolutely loved Dilbert. If Adams does not imbibe here then he certainly should!
Good luck- Chris
And thank you Saint Jack and V* for recent ER changes.
by gmtret
Fri Feb 27, 2015 5:29 am
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 235
Views: 46328

Re: International increase in Target Retirement & LifeStrate

While it does smack of market timing I hold none of the funds mentioned. I do, however, split my foreign holdings between VTIAX and VFSVX. Will not this benefit me in the long run?
by gmtret
Sun Feb 08, 2015 12:00 am
Forum: Investing - Theory, News & General
Topic: TurboTax and North Carolina
Replies: 4
Views: 728

Re: TurboTax and North Carolina

Thanks, Jeff.
by gmtret
Sat Feb 07, 2015 9:56 pm
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds
Replies: 44
Views: 8841

Re: Best Small Cap Value Funds

heartwood wrote:My choice, but I have no time to look up symbols, so I quickly leave the thread.
While I agree with the sentiment, it's an interesting topic. :sharebeer
by gmtret
Sat Feb 07, 2015 9:37 pm
Forum: Investing - Theory, News & General
Topic: TurboTax and North Carolina
Replies: 4
Views: 728

TurboTax and North Carolina

I saw news on a local channel which stated that TT would not be filing for the state of North Carolina, something about the filing of false returns by persons other than the correct ones... it seems the W-2 info had been stolen or something. Is anyone else cognizant of this :?:
by gmtret
Sun Aug 03, 2014 7:53 am
Forum: Investing - Theory, News & General
Topic: Survival
Replies: 4
Views: 1143

Re: Survival

Yup... reality is indeed a paradox. How else to explain that while time changes everything, that there is nothing new under the Sun? :oops:
by gmtret
Thu Jul 24, 2014 7:41 am
Forum: Investing - Theory, News & General
Topic: I'm a genius!
Replies: 19
Views: 5841

Re: I'm a genius!

Yup! Stay the course should always be the clear winner... But, but, but, emotions involving money are a great tax to many! :oops:
by gmtret
Sun Jul 06, 2014 5:48 pm
Forum: Personal Consumer Issues
Topic: On the Road/Air/Water Retirement
Replies: 57
Views: 7256

Re: On the Road/Air/Water Retirement

Also, there is some restriction about the length of time a tourist can stay. Some small integer number of months. This may be a EU restriction, not just a Danish one. Yes, there is a restriction in the continental Europe, where you can stay up to 3 months a year, check out Schengen Area . It extend...
by gmtret
Sun Jul 06, 2014 2:36 pm
Forum: Personal Consumer Issues
Topic: favorite mid/low-priced Caribbean locale?
Replies: 30
Views: 4580

Re: favorite mid/low-priced Caribbean locale?

I too recommend Isla Nujeres, Mexico. Fly in and out of Cancun, and take the ferry either from the beach in Cancun or Puerto Juarez. A taxi to the ferry terminal, or even a bus can be utilized. Diving and fishing in the lovely waters in eighty degree temps... ahh, that's the life! Check it out on th...
by gmtret
Fri Jun 27, 2014 7:14 am
Forum: Investing - Theory, News & General
Topic: Article: Conversation with John Bogle
Replies: 15
Views: 2417

Re: Article: Conversation with John Bogle

Goodness, but I thank my lucky stars to have been born in the age of Jack Bogle! Lots more to be thankful for too... but never mind-
by gmtret
Sat Mar 22, 2014 10:09 pm
Forum: Investing - Theory, News & General
Topic: "How Much Should You Pay a Financial Advisor?" by Mike Piper
Replies: 64
Views: 7177

Re: "How Much Should You Pay a Financial Advisor?" by Mike P

To answer the question (and with due respect to M. Piper, my answer is, "Not one thin dime... that is all." :dollar
by gmtret
Fri Mar 21, 2014 12:59 am
Forum: Investing - Theory, News & General
Topic: Higher Returns at Lower Risk - please comment
Replies: 59
Views: 8814

Re: Higher Returns at Lower Risk - please comment

Edge, you wrote: "My only critical comment would be to try to familiarize yourself with the typical lexicon used in capital markets academia. The use of the word 'synergy' for example made it a little hard to get through." Would you be willing to help me by, for instance, suggesting a better word f...
by gmtret
Thu Mar 20, 2014 1:36 am
Forum: Investing - Theory, News & General
Topic: Will upcoming rise in interest rates affect your AA?
Replies: 30
Views: 3235

Re: Will upcoming rise in interest rates affect your AA?

And again, NO. While prices may increase the amount I allocate toward bonds, My AA is established. I will continue to add to and maintain its parameters as long as I am able. What is it about the inverse nature of price and interest rates that puts people in a frenzy? Increasing interest rates would...
by gmtret
Tue Mar 18, 2014 5:51 am
Forum: Investing - Theory, News & General
Topic: Investing in stocks--A surprising Google report ?
Replies: 37
Views: 5099

Re: Investing in stocks--A surprising Google report ?

Folks, please... it must be nothing more than semantics; so be thankful that words have meaning... or something. :confused
by gmtret
Sun Feb 09, 2014 1:35 am
Forum: Investing - Theory, News & General
Topic: Frequent Fund Switching
Replies: 26
Views: 2558

Re: Frequent Fund Switching

Jane Bryant Quin said (many years ago) "The market timers hall of fame is an empty room." Good luck to you in your futile endeavors. :oops:
by gmtret
Thu Jan 09, 2014 2:42 am
Forum: Investing - Theory, News & General
Topic: Surprises in 2014
Replies: 51
Views: 6227

Re: Surprises in 2014

Surprises? Sure, there may be a few. But considering the paradox of "there's nothing new under the Sun", coupled with "time changes everything" I think that we are back to the reality of "nobody knows nothing". But thanks for playing as a few were quite funny!

Good luck,

Chris
by gmtret
Sat Jan 04, 2014 12:38 am
Forum: Investing - Theory, News & General
Topic: "Vanguard Dominates the Fund Industry Again in 2013"
Replies: 4
Views: 863

Re: "Vanguard Dominates the Fund Industry Again in 2013"

I would say that if you want to purchase the "stock" known as Vanguard, the only thing ye need do is invest in Vanguard's mutual funds... fiduciary duty at its absolute height:
the one and only truly mutual mutual fund company. Thank you very much, Saint Jack! :moneybag
by gmtret
Tue Dec 31, 2013 1:27 am
Forum: Investing - Theory, News & General
Topic: US-Wary Portfolio?
Replies: 56
Views: 5909

Re: US-Wary Portfolio?

You may go any direction you wish (it is your money, after all.) And while I agree with most concerning precious metals (no actual return, mere speculation), about the only thing that I can suggest is that you pick something and pursue it for your duration. (You bet your money and you take your risk...
by gmtret
Fri Dec 27, 2013 11:42 pm
Forum: Investing - Theory, News & General
Topic: Its Hard Being A Boglehead!!
Replies: 62
Views: 6613

Re: Its Hard Being A Boglehead!!

But if you ever feel tempted to stray I highly recommend the very first sticky, wherein Rick posits the question, "Tips on answering the question-What Should I Do?" It's a long thread, but if you've never read it probably worth your time.

Good luck,
Chris
by gmtret
Thu Dec 26, 2013 10:06 pm
Forum: Investing - Theory, News & General
Topic: Its Hard Being A Boglehead!!
Replies: 62
Views: 6613

Re: Its Hard Being A Boglehead!!

1/1 on the automate it. Have Vanguard pull the money from your checking account. Invest what your budget allows; every month through thick and thin. And perhaps most importantly: Stay the Course!

Good luck,
Chris
by gmtret
Thu Dec 26, 2013 9:45 pm
Forum: Investing - Theory, News & General
Topic: Year of the PIGS (small cap value)
Replies: 15
Views: 2934

Re: Year of the PIGS (small cap value)

Ahhh, yaaasss- Investing globally via Index Funds. Thank you, Saint Jack! :beer From my understanding Jack was never particularly interested in global investing. He felt you can do it if you like, but keep the percentage relatively low (relative to the world equity vs. US equity). While what you sa...
by gmtret
Wed Dec 25, 2013 11:56 pm
Forum: Investing - Theory, News & General
Topic: Value [of stocks]
Replies: 4
Views: 646

Re: Value

Well there are ways to objectively determine value--simply rank by metrics like p/b,p/e,p/s, and p/cf--that tells you what a value stock is Active investors believe it's subjective though Now the evidence is pretty clear that the objective way trumps the subjective way, or active would outperform L...
by gmtret
Wed Dec 25, 2013 11:50 pm
Forum: Investing - Theory, News & General
Topic: Year of the PIGS (small cap value)
Replies: 15
Views: 2934

Re: Year of the PIGS (small cap value)

Ahhh, yaaasss- Investing globally via Index Funds. Thank you, Saint Jack! :beer