Search found 3922 matches

by cfs
Wed Apr 25, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 53
Views: 3092

Re: How did you tell the boss you're leaving/retiring?

My contracting company required a two-week notice. I was respected in this company and I had and still have a lot of respect for my boss, retired Navy officer. Gave him my letter and I still remember his words "I wish I could retire too!" Good luck y gracias por leer / cfs
by cfs
Wed Apr 25, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 71
Views: 3655

Re: Wedding - financial burden on couple and attendees

Expensive? Yes (I know, I paid for one six years ago and if I had to do it all over I would not change a thing) but it is their wedding and I would not recommend doing anything different. Good luck with this wedding, y gracias por leer ~cfs~
by cfs
Wed Apr 25, 2018 4:19 pm
Forum: Investing - Theory, News & General
Topic: Balanced Funds Capturing Large Percentage of Stock Market Return
Replies: 14
Views: 1146

Re: Balanced Funds Capturing Large Percentage of Stock Market Return

This is what I see in Morningstar (ten years column), warning, possible screw ups, please check (as of 3/31/2018). Pretax Return 7.82 = VWENX 7.58 = VBIAX 7.11 = VWIAX 7.07 = VTMFX Tax-Adjusted Returns 6.59 = VBIAX 6.39 = VTMFX 6.36 = VWENX 5.56 = VWIAX Compare to VTSAX (Total Stock Market Index Fun...
by cfs
Wed Apr 25, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Customer Service with Vanguard
Replies: 50
Views: 4363

Re: Customer Service with Vanguard

Investing with Vanguard for a looooong time.

Have no issues with their website.

Have no issues with their service.

Feeling lucky?

Good luck, y gracias por leer ~cfs~
by cfs
Wed Apr 25, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 28
Views: 3014

Re: Larry Swedroe: Financial Perils Of Old Age

Another good article by Mister Swedroe.

Mister Swedroe is no longer active in this forum, our loss.

Thank you Mister Dave for the link.

Gracias por leer ~cfs~
by cfs
Wed Apr 25, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: 40/60 Balanced Index ?
Replies: 10
Views: 979

Re: 40/60 Balanced Index ?

Based on the information provided I would go with the following fund. I would go ALL IN with the Vanguard Target Retirement Income Fund, VTINX (note, this will put you in a 30/70 allocation). In my Letter of Instruction I have directed that every penny I have invested be moved to this fund upon the ...
by cfs
Tue Apr 24, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: If you were starting from $0
Replies: 14
Views: 1238

Re: If you were starting from $0

IF I was starting from zero then I would go all IN with the Vanguard Total Stock Market Index Fund (VTSMX), later you can change to VTI (same fund) if you want to go the ETF route. Full disclosure, VTSMX was my 1st Vanguard fund (had American Funds prior to moving to Vanguard). Good luck, y gracias ...
by cfs
Tue Apr 24, 2018 5:19 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 142
Views: 8637

Re: I’m still not a fan of international bond funds

. . . Many years ago a widely accepted norm was an allocation between Total Bond Index and TIPS . . . Concur with AB, the old recommendation by "many experts" was to have 50% in Total Bond Market Index (VBMFX) and 50% in Vanguard Inflation-Protected Securities Fund (VIPSX), other "experts" recommen...
by cfs
Tue Apr 24, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6424
Views: 1378009

Re: U.S. stocks in freefall

. . . It's not the ten year hitting the "3%" mark, it's the flattening of the yield curve and the spread between ten and thirty year bonds. That is signalling the economy is slowing down and we probably have hit peak earnings. The market is a forward looking mechanism . . . Welcome aboard, your fir...
by cfs
Tue Apr 24, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: A Challenge To The 3 Fund Portfolio...The 2 Fund Portfolio
Replies: 30
Views: 2542

Re: A Challenge To The 3 Fund Portfolio...The 2 Fund Portfolio

Simplicity?

Did you compare all of them with the ONE fund portfolio of Vanguard Balanced Index (VBINX/VBIAX)?

Good luck, y gracias por leer ~cfs~
by cfs
Tue Apr 24, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6424
Views: 1378009

Re: U.S. stocks in freefall

Da5id wrote:
Tue Apr 24, 2018 12:02 pm
. . . Running for the hills maybe? . . .
ReformedSpender wrote:
Tue Apr 24, 2018 12:07 pm
. . . Every single post though . . .
Thanks for your notes! Good luck, y gracias por leer ~cfs~
by cfs
Tue Apr 24, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6424
Views: 1378009

Re: U.S. stocks in freefall

The Running of the Bulls

Oh yes, they are running . . . . good luck, y gracias por leer ~cfs~

p.s. You just don't want to be out of this market for ONE day !!!
by cfs
Tue Apr 24, 2018 5:33 am
Forum: Investing - Theory, News & General
Topic: The World in 2050 — GDP & Stock Market Capitalization
Replies: 67
Views: 5098

Re: The World in 2050 — GDP & Stock Market Capitalization

Simple solution to a complex projection, go all IN with the Vanguard Total World Stock VT letting Vanguard to adjust the index as needed and forget about all the global guessing. Good luck y gracias por leer / cfs
by cfs
Mon Apr 23, 2018 7:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. Investment Giant(Vanguard) Brings Its Low-Cost Revolution to China
Replies: 5
Views: 508

Re: U.S. Investment Giant(Vanguard) Brings Its Low-Cost Revolution to China

Already then . . . "Vanguard will probably have both actively and passively-managed funds in China, he said without elaborating." Possible funds Vanguard Total Chinese Market Index, Vanguard Chinese Balanced Index, Vanguard Total Chinese Bond Index, Vanguard Chinese Target Retirement Series, Vanguar...
by cfs
Mon Apr 23, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 85
Views: 9058

Re: New retirees: so whatdayathink ?

May 15th will be my 4th anniversary as a member of the Active Retired Force. I should have retired a couple of years earlier! I remain mentally and physically active . As a history aficionado, I read a LOT of history books checked out from my local library (I have no time for fiction), you are never...
by cfs
Mon Apr 23, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard factor funds slow to catch on
Replies: 50
Views: 3974

Re: Vanguard factor funds slow to catch on

Random Walker wrote:
Mon Apr 23, 2018 2:16 pm
. . . there is also a valuable point to be made about retirement, factors, and diversification across factors . . .
Thank you Mister Dave, good luck with those factor things, y gracias por leer ~cfs~
by cfs
Mon Apr 23, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Questions
Replies: 11
Views: 1568

Re: Mortgage Payoff Questions

Yes! Get rid of the snake! And after you do, come back and post in the following conversations. -- I did it and feel great about it (paid off mortgage): https://www.bogleheads.org/forum/viewtopic.php?f=2&t=226220&start=50 -- Post your financial milestone here: https://www.bogleheads.org/forum/viewto...
by cfs
Mon Apr 23, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard factor funds slow to catch on
Replies: 50
Views: 3974

Re: Vanguard factor funds slow to catch on

Thank you Mister Ferri for this conversation. As far as the factor things, they will catch on soon, all of them wil in included in the future (balanced) "Vanguard Factor Target Retirement Series" --- Good luck, y gracias por leer ~cfs~
by cfs
Sun Apr 22, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 240
Views: 27273

Re: How old are you and how much do you save for retirement a year

First post on the forum! 34, currently saving: 18,500 401k 2,000 hsa (I max it out, this is my conservative estimate of what will be leftover after medical expenses) 5,500 my ira 5,500 wife's ira 16,000 Total: 47.5k This is the first year I'm contributing this much. I started saving late, so only h...
by cfs
Sun Apr 22, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 44
Views: 1872

Re: Vanguard Surveys

I receive those surveys sometimes while online on the Vanguard website and sometimes via email, I just ignore them and move on. I have nothing to say to Vanguard or any other financial institution, plus, I don't click on any links attached to emails regardless of where the email comes from. I am a m...
by cfs
Sun Apr 22, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone in high bracket using short or Ltd. term muni for EF?
Replies: 19
Views: 730

Re: Anyone in high bracket using short or Ltd. term muni for EF?

Checking Vanguard money markets, found this interesting. Daily market value from Vanguard: The net asset value of a money market fund's holdings based on the market prices of the fund's securities. This value is calculated out to 4 decimal places. So, I checked the daily market value on these three ...
by cfs
Sun Apr 22, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 142
Views: 8637

Re: I’m still not a fan of international bond funds

Wiki should read 60, 20, 20 vice 60/20/10, please check. Gracias por leer / cfs
by cfs
Sat Apr 21, 2018 8:44 pm
Forum: Investing - Theory, News & General
Topic: "Making decisions based on past performance works (except when it doesn’t)"
Replies: 17
Views: 1975

Re: "Making decisions based on past performance works (except when it doesn’t)"

No data given but let me guess . . . Funds from Team Wellington and Team Primecap remained in the top 16% quintile, again, just guessing. Good luck y gracias por leer / cfs
by cfs
Sat Apr 21, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 142
Views: 8637

Re: I’m still not a fan of international bond funds

Good article!

Gracias por leer / cfs
by cfs
Sat Apr 21, 2018 3:38 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 142
Views: 8637

Re: I’m still not a fan of international bond funds

I don't know of "half half a dozen" members "buying" the international bond fund from Vanguard. When the fund was launched my "prediction" was that this fund would become the number one international bond fund due to the aggressive marketing by part of Vanguard and by the inclusion of this fund in v...
by cfs
Sat Apr 21, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Want to be 100% in stock index funds ,
Replies: 31
Views: 2797

Re: Want to be 100% in stock index funds ,

Willingness, ability, and need for risk [?]. Warning, don't try this at home. I know of some retired forum members (names withheld to protect the innocent) with a 100% equity portolio--they have pensions and social security covering their expenses. Good luck with your investments, y gracias por leer...
by cfs
Fri Apr 20, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 142
Views: 8637

Re: I’m still not a fan of international bond funds

Thank you Mister Ferri for the post. As far as the replies, do NOT concur with the "bonds are for safety" stuff. But anyway, good luck y gracias por leer / cfs
by cfs
Fri Apr 20, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 109
Views: 6307

Re: Do you buy new or used cars?

I still remember buying two used cars (Toyota Corolla and Nissan Maxima).

Total waste of time and money.

Good luck with your NEW car, y gracias por leer ~cfs~
by cfs
Thu Apr 19, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: How good are Vanguard bond funds?
Replies: 52
Views: 4872

Re: How good are Vanguard bond funds?

So far so good, 31 posts without telling me that "bonds are for safety" . . . Good luck y gracias por leer / cfs
by cfs
Thu Apr 19, 2018 7:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6424
Views: 1378009

Re: U.S. stocks in freefall

The Running of the Bulls

Well, we have bulls, bears, and bunnies . . . let's see who decides to show up tomorrow!

Good luck, y gracias por leer ~cfs~

p.s. You just don't want to be out of this market for ONE day !!!
by cfs
Thu Apr 19, 2018 2:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 161
Views: 20405

Re: Roll Call for the Retirement Class of 2018!

Poster Ikigai said "I have so many better things to do."

I heard you LOUD and CLEAR !!!!

Good luck in your retirement, and just hang in there, the day will come.

Gracias por leer ~cfs~
by cfs
Thu Apr 19, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: Morningstar's Favorites (US/Intl Equities and Bonds)
Replies: 0
Views: 231

Morningstar's Favorites (US/Intl Equities and Bonds)

Good reading (NOT an investment recommendation from my part), my signature applies. Morningstar's Favorite Core Passive Funds and ETFs: http://www.morningstar.com/articles/859066/our-favorite-core-passive-funds-and-etfs.html Morningstar's Favorite International-Stock Passive Funds and ETFs: http://w...
by cfs
Wed Apr 18, 2018 10:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 6
Views: 681

Re: Roll Call for the Retirement Class of 2019!

We are up and running!

Thanks Miss Miriam for taking care of the Retirement Series.

Good luck y gracias por leer / cfs
by cfs
Wed Apr 18, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6424
Views: 1378009

Re: U.S. stocks in freefall

The Running of the Bull

Some of them are running today . . . what are YOU doing?

Good luck, y gracias por leer ~cfs~

p.s. You just don't want to be out of this market for ONE day!!!
by cfs
Wed Apr 18, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 325539

Re: What are you up YTD? [Year To Date]

ITR or ITB? My portfolio is ITB.
De-fine ITR = in the red
De-fine ITB = in the black
Good luck y gracias por leer / cfs
by cfs
Tue Apr 17, 2018 9:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 258
Views: 24594

Re: Post your Financial Milestone Announcements Here

Inactivity here. Anyone hitting two comma level, anyone paying off the mortgage, anyone, anyone . . . Gracias por leer / cfs
by cfs
Tue Apr 17, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Retire early. Do you think it is possible?
Replies: 33
Views: 3112

Re: Retire early. Do you think it is possible?

Doable.

You are on track.

Save and invest as much as you can.

Good luck in your planning and execution.

Gracias por leer ~cfs~
by cfs
Tue Apr 17, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6424
Views: 1378009

Re: U.S. stocks in freefall

The Running of the Bulls They are running, but some of us are still sitting on the sidelines waiting for the right time to jump back IN or looking for the right product to invest our American Pesos. Need help deciding? Here is a good article by Karen Wallace from Morningstar with some good ideas on ...
by cfs
Mon Apr 16, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 8080

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Doable. Go for it. Muchas gracias por leer ~cfs~
by cfs
Mon Apr 16, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6424
Views: 1378009

Re: U.S. stocks in freefall

Interesting article by Mister Russel Kinnel from Morningstar.

"Who Got Burned in the Sell-Off"

http://www.morningstar.com/articles/859 ... lloff.html

Good luck, y gracias por leer ~cfs~

p.s. You just don't want to be out of this market for ONE day!
by cfs
Mon Apr 16, 2018 1:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6424
Views: 1378009

Re: U.S. stocks in freefall

Well, Mister Retiringwhen, by switching between accounts you are NOT out of the market. On the other hand, I have read about some posters waiting for the right moment to jump back IN the market (to them I say, what are you waiting for). As I have said ad nauseam, you just don't want to be out of thi...
by cfs
Mon Apr 16, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6424
Views: 1378009

Re: U.S. stocks in freefall

The Running of the Bulls

Oh boy, they are back, at least for the past couple of minutes.

You just don't want to be out of this market for ONE day!

Gracias por leer ~cfs~
by cfs
Mon Apr 16, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 154
Views: 15074

Re: Can I retire at age 40?

Yes you can.

No you should not.

You have another twenty productive years ahead of you.

Now just get out there and show everyone that "yes you can" retire AT SIXTY.

Good luck, y gracias por leer ~cfs~
by cfs
Sun Apr 15, 2018 6:11 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 11120

Re: We crush stock indexes, Yale claims

Coming soon, Vanguard Yale Index ETF.
Good luck y gracias por leer / cfs
by cfs
Sun Apr 15, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Does low-cost active management makes sense for international?
Replies: 8
Views: 587

Re: Does low-cost active management makes sense for international?

No investment recommendations from my side, but in reference to the op take a serious look at Vanguard International Growth, and stop there. Good luck y gracias por leer / cfs
by cfs
Fri Apr 13, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate to ask co-worker when retiring?
Replies: 35
Views: 2288

Re: Appropriate to ask co-worker when retiring?

NO WAY Jose. I would never ask that question to anyone, and I am glad no one at work ever asked me about my retirement plans (I don't have a sense of humor, so, my reply was going to be less than diplomatic). My team learned about my retirement plan AFTER my two-week notice letter was hand-delivered...
by cfs
Fri Apr 13, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Why am I even holding BND? It has only been losing me money.
Replies: 62
Views: 8372

Re: Why am I even holding BND? It has only been losing me money.

The BUY signal some have been waiting for !!!! As soon as "why bonds" conversations make a comeback could be a good time to BUY bonds (however, just say no to drinking the bonds are for safety kool aid . . . that's all bunk). Good luck with your investments, y gracias por leer ~cfs~ p.s. You just do...
by cfs
Thu Apr 12, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Farewell gift for office when quitting job?
Replies: 19
Views: 2434

Re: Farewell gift for office when quitting job?

Just invite every member of your team to a nice restaurant for a "Leave Your Wallet At Home Lunch with XX (your name)" and pay the bill plus the tip . . . done! Oh by the way, that is exactly what I am doing tomorrow at noon with members of my high performing team (I retired four years ago, and I te...
by cfs
Thu Apr 12, 2018 5:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: Improving Local Boglehead Chapter Meetings
Replies: 19
Views: 1804

Re: Improving Local Boglehead Chapter Meetings

Holy smokes, I love that photo of the Greater Minnesota BH Group! Good Job Mister Peter and the rest of the gang including the 8yr old BH (watch out, he could be running Vanguard in a few years). Also, good job to Mister RM and the Greater Columbus OH BH Group. Good luck everyone, y gracias por leer...
by cfs
Thu Apr 12, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: How do I make sure IRS receives my manual tax return ?
Replies: 84
Views: 5141

Re: How do I make sure IRS receives my manual tax return ?

Always send it via USPS using the cheapest way and never ask for delivery confirmation. My checks for federal, state, quarterly payments are cashed and when that happens I know that my paperwork was received. As long as there is manual delivery I will continue to feed the taxman paper. Good luck y g...