Search found 3360 matches

by cfs
Sun Jul 02, 2017 2:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 27
Views: 4204

Re: Roll Call for the Retirement Class of 2018!

Thanks everyone. The Roll Call for the Retirement Class of 2018 is now open. Now we have FIVE conversations on the "Retirement Series." For anyone not on the list, time to get onboard. IF you missed the boat, just click on the applicable link and add your name to the list. Link to Retirement Class o...
by cfs
Sun Jul 02, 2017 2:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 230
Views: 31040

Re: Roll Call for the Retirement Class of 2017!

Thanks to our Shipmate Miriam for managing "The Retirement Class Series" -- good job. God Bless you and your family. Thanks for reading. :D :D "There's one thing I've always wanted to do before I quit. Retire." (Groucho Marx in "Animal Crackers") The Roll Call is happy to announce that the Roll Call...
by cfs
Mon Apr 03, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 10435

Re: What career helped you become wealthy?

Thank you kjvmartin for your note. Thanks to all active duty and retirees members of this forum, and thanks to all the Patriotic Americans supporting our troops. Already then, I am back from my LUng Distance Workout and now packing and closing, going on travel, now setting emission control and radio...
by cfs
Sat Apr 01, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 10435

Re: What career helped you become wealthy?

I do not consider myself wealthy nor rich. Sailor, United States Navy, over three decades in active duty, with a bunch of deployments to the Middle East with nowhere to waste my hard-earned dollars and no way to mess with my portfolio, that's how. And if I had to do it all over I would not change a ...
by cfs
Sat Apr 01, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: thoughts on car choice/payment?
Replies: 21
Views: 1607

Re: thoughts on car choice/payment?

"my argument is $1200+ a month on car is crazy"

Concur, and this is NOT an April Fools Joke.

Thanks for reading ~cfs~
by cfs
Sat Apr 01, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: 100% stocks w/pension?
Replies: 40
Views: 5034

Re: 100% stocks w/pension?

Back from my LUng Distance Workout and ready to contribute my Dos Reales. Good problem to have, all the bases covered by pensions and a good amount invested. IF you are battle tested during the bear [without hitting the panic button] then more power to you with the 100% equities portfolio. Your mone...
by cfs
Wed Mar 29, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund In Retirement?
Replies: 20
Views: 3318

Re: Vanguard Balanced Index Fund In Retirement?

Back from my LUng Distance Workout and ready to contribute my Dos Reales. I posted a reply to your previous question about the Vanguard Balanced Index Fund. Based on your posts you like this fund, and you want this fund. It is your money, your responsibility, your decision. Good luck and thanks for ...
by cfs
Mon Mar 27, 2017 6:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3979
Views: 1059984

Re: U.S. stocks in freefall

"I prefer to harvest gains."

Me 2.

Thanks for reading ~cfs~
by cfs
Mon Mar 27, 2017 6:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3979
Views: 1059984

Re: U.S. stocks in freefall

"Is there a definition of what freefall means anywhere in this thread . . ."

The original post is about the Dow dropping 550 points in just a couple of hours of trading. Thanks for reading ~cfs~
by cfs
Mon Mar 27, 2017 6:10 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz's Three Bucket System
Replies: 77
Views: 9353

Re: Christine Benz's Three Bucket System

And talking about back testing . . . 2016 article from Miss Benz: How Has the Retirement Bucket Strategy Performed? m 2016 Stress test simulation from Miss Benz: Covering 2000-2015 [start of 2016] m Good luck with your investments, with or without buckets. Thanks for reading ~cfs~ Edit 1 --- p.s. Po...
by cfs
Mon Mar 27, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3979
Views: 1059984

Re: U.S. stocks in freefall

Actually, there is a LOT of cash on the sidelines. This is from the Investment Company Institute -- "Total money market fund assets decreased by $23.26 billion to $2.65 trillion for the week ended Wednesday, March 22" -- Thanks for reading ~cfs~
by cfs
Sun Mar 26, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have enough? How I realized yeah I do.
Replies: 75
Views: 13400

Re: Do you have enough? How I realized yeah I do.

Would you mind defining safe investments here in the thread? Otherwise, I have to search through this books Very easy to follow. Here is an article from Doctor Bernstein explaining the LMP and RP [liability matching portfolio, and risk portfolio]. How to Think About Risk in Retirement: m Thanks for...
by cfs
Sun Mar 19, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 47
Views: 6826

Re: Anyone taken a mid-career sabbatical?

Back from my LUng Distance Workout and ready to contribute my dos pesetas. I took a late-career Sabbaticus when I left the military after 31 years of active duty. Took time off work in order to get back to competition shape. Ran several races and was satisfied with my performance. After recharging m...
by cfs
Sat Mar 18, 2017 8:24 pm
Forum: Investing - Theory, News & General
Topic: Bogle Interview CNN - Sat.
Replies: 71
Views: 6041

Re: Bogle Interview CNN - Sat.

turnberry72 wrote:Perhaps time for us Bogleheads to lobby for Jack to get the Congressional Gold Medal or the Medal of Freedom

Been there done that, see link

viewtopic.php?t=202233

Thanks for reading ~cfs~
by cfs
Sat Mar 18, 2017 6:23 pm
Forum: Investing - Theory, News & General
Topic: Bogle Interview CNN - Sat.
Replies: 71
Views: 6041

Re: Bogle Interview CNN - Sat.

Thanks for the link. I like the "uncanny ability to recognize the obvious" part. Thanks for reading ~cfs~
by cfs
Fri Mar 17, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 11523

Re: Anyone else taking less risk

Back from my LUng Distance Workout and ready to add my daily contribution or my two Reales. I have not made any changes to The Lowest Rated Fund [my aggressive growth portfolio]. It makes no difference what Miss Market is doing today. The Lowest Rated Fund is not closing today, tomorrow, next week, ...
by cfs
Wed Mar 15, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Anyone subscribe to Barron's?
Replies: 17
Views: 2030

Re: Anyone subscribe to Barron's?

Back from my LUng Distance Workout and ready to contribute my daily centimo. My recommendation is to take a nice walk to your local library and read Barron's and any other magazine there for free. Leave the house, exercise your legs, and pay no money, in other words win win win. Done with my daily c...
by cfs
Mon Mar 13, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard - Bank?
Replies: 7
Views: 1292

Re: Vanguard - Bank?

Close but no bananas - Vanguard Advantage Accounts m Thanks for reading ~cfs Hi cfs - I read this on the Vanguard website many years ago. It appears to not be well discussed or marketed. AB, Vanguard sent me a brochure a couple of years ago, but I have no need for this type of service. tfr/cfs
by cfs
Mon Mar 13, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard - Bank?
Replies: 7
Views: 1292

Re: Vanguard - Bank?

Close but no bananas - Vanguard Advantage Accounts

https://personal.vanguard.com/us/help/FAQVAAContent.jsp

Thanks for reading ~cfs
by cfs
Mon Mar 13, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Norman Rockwell Plates.....who to go to
Replies: 33
Views: 3190

Re: Norman Rockwell Plates.....who to go to

They make for a perfect gift for anyone born on February 3rd. Good luck and thanks for reading ~cfs~
by cfs
Sun Mar 12, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3025
Views: 885721

Re: What Movie Have You Recently Watched?

Went to watch Fences when it first came out [not my idea]. Painful. Did my best to keep at least one eye open for the duration of the movie. Thanks for reading ~cfs~
by cfs
Sun Mar 12, 2017 3:33 pm
Forum: Investing - Theory, News & General
Topic: What do you expect to achieve with your Tilt?
Replies: 85
Views: 7159

Re: What do you expect to achieve with your Tilt?

Theoretical wrote: . . . 2 years is way too short . . .

willthrill81 wrote: . . . +1 . . . .

Thank you both for your comments. Thanks for reading ~cfs~
by cfs
Sun Mar 12, 2017 3:31 pm
Forum: Investing - Theory, News & General
Topic: Getting deeper small-cap value exposure in taxable is almost free
Replies: 31
Views: 4693

Re: Getting deeper small-cap value exposure in taxable is almost free

Thank you shipmate David for all the good information. Thanks for reading ~cfs~
by cfs
Sun Mar 12, 2017 1:58 pm
Forum: Investing - Theory, News & General
Topic: What do you expect to achieve with your Tilt?
Replies: 85
Views: 7159

Re: What do you expect to achieve with your Tilt?

Back from my LUng Distance Workout [low vis, a lot of fog] and ready to add my two centimos here. I expect to beat the Vanguard balanced fund which I use as my benchmark. What about if you can't beat your benchmark for two consecutive years, cfs? Then I will do an unconditional surrender and move al...
by cfs
Sat Mar 11, 2017 8:06 pm
Forum: Investing - Theory, News & General
Topic: Anyone sorry they used bonds when starting out
Replies: 94
Views: 8033

Re: Anyone sorry they used bonds when starting out

From "the starting gun" I was 100% in equities, technology-tilted portfolio, saved during the technology bubble by two ten baggers [in the services and health care sectors]. Made a lot of money with the 100% equities portfolio, paid a lot of money for sell/buy orders. No regrets with the e...
by cfs
Thu Mar 09, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Investing when market is peaking
Replies: 49
Views: 6306

Re: Investing when market is peaking

Good question! Perfect timing. Eight years ago TODAY, on March 9th 2009 the Dow hit a 12-year low, finishing at 6547.05 [its lowest point since April 15th 1997]. That day marked The Great Recession's Market Bottom. Some investors sold before the bottom, some sold at the bottom . . . some are STILL w...
by cfs
Wed Mar 08, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Small (but Significant) Milestone
Replies: 26
Views: 3226

Re: Small (but Significant) Milestone

Adding congratulations to JimmyD for reaching the same milestone. Also, concur with our good shipmate WCI on his "I wish I had celebrated a little more some of the early ones. The later ones aren't nearly as meaningful." Thanks for reading ~cfs~
by cfs
Wed Mar 08, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Small (but Significant) Milestone
Replies: 26
Views: 3226

Re: Small (but Significant) Milestone

Just back from my LUng Distance Workout, now that my brain is full of oxygen let me say this. SMALL? No way. This is a BIG. You are hereby congratulated for reaching this SIGNIFICANT milestone. My only recommendation is to continue investing slowly and for the long run and at the end of the day you ...
by cfs
Tue Mar 07, 2017 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 10464

VANGUARD Balanced Index Fund

What I am asking here is the Vanguard Balanced Index Fund all you need? IF we are talking about tax-advantaged accounts vice taxable account then: --The answer for the know-nothing is YES. --The answer for the know-something is YES. Again, only IF we are talking about tax-advantaged accounts. Thank...
by cfs
Mon Mar 06, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 188
Views: 20735

Re: How Much in Your Emergency Fund And Is It Used?

The Lowest Rated Fund [my portfolio] is currently holding 23 cents in cash. In a real emergency I can use my credit card. tfr/cfs
by cfs
Mon Mar 06, 2017 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: how often do you shrug at your IPS? [Investment policy statement]
Replies: 50
Views: 4594

Re: how often do you shrug at your IPS?

MrNewEngland wrote:What is an IPS? . . .


See the link and good luck!

https://www.bogleheads.org/wiki/Investm ... _statement

Thanks for reading ~cfs~
by cfs
Mon Mar 06, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: how often do you shrug at your IPS? [Investment policy statement]
Replies: 50
Views: 4594

Re: how often do you shrug at your IPS?

IPS? I have my Retirement Investment Policy Statement filed somewhere in my laptop. Time for a review. Thanks for reading ~cfs~
by cfs
Sun Mar 05, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 4374

Re: Where do you order checks from?

I buy my checks from my credit union. And I do remember the last time I wrote a check, in December 2016, it was my quarterly gift to the IRS. Thanks for reading ~cfs~
by cfs
Sun Mar 05, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth milestone reached: $100,000!
Replies: 53
Views: 5223

Re: Net worth milestone reached: $100,000!

"I know it's peanuts . . . "

No, it is not.

You are doing a great job. Keep investing when you can and as much as you can. God Bless You and your family.

Thanks for reading ~cfs~
by cfs
Sun Mar 05, 2017 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard funds for $100K taxable account?
Replies: 45
Views: 6731

Re: Which Vanguard funds for $100K taxable account?

[url][/url] Just getting back to this after doing some checking on my current tax-deferred accounts. Back to the taxable account, I'm less concerned about where to open this account than I am about the selection of funds or ETFs. I need to select something for this taxable account that has little or...
by cfs
Sun Mar 05, 2017 11:28 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 31814

Re: Your USER NAME...what does it mean?

alisa4804 wrote:. . . cfs, nice to see you are back on the forum. I always enjoy your cheerful, positive contributions. Very interesting origin of your user name, also!

Alisa, thanks for your note. God Bless You and your family. Thanks for reading ~cfs~
Matthew 7:20
by cfs
Sat Mar 04, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Opened my first Taxable Account! - Help with fund choice
Replies: 13
Views: 1920

Re: Opened my first Taxable Account! - Help with fund choice

Your plan is good and I would not change a thing. Go Utes. Thanks for reading ~cfs~
by cfs
Sat Mar 04, 2017 11:54 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 234
Views: 32145

Re: Roll Call for the Retirement Class of 2016!

. . . DH officially retired (51) as of yesterday (3/3/2017) I decided to post. My last day of work was Oct. 28, 2016 @ age 49 . . . This is a story of success [or is it a success story?]. Retired at ages 49 and 51, with a FULL life of enjoyment in front of you both! The best days are just ahead of ...
by cfs
Thu Mar 02, 2017 7:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 230
Views: 31040

Re: Roll Call for the Retirement Class of 2017!

Saludos! Just back from my LUng Distance Workout. Congratulation to the Retirement Class of 2017, and the good thing is that today I finished working on the retirement package for my dw [praise the Lord], on retirement effective 3/31/17. Next stop [in April] New Jersey, then across the Atlantic to D...
by cfs
Sun Feb 26, 2017 2:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 31814

Re: Your USER NAME...what does it mean?

My first post in over six months. My initials and user name are cfs. Meaning: c - Name of biblical places in Samaria and Judea f - Name of a town in the Iberian Peninsula s - Name of a town in the Iberian Peninsula All these places have retained their original names after millennia. I plan to visit ...
by cfs
Mon Aug 22, 2016 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Funding Roth IRA and Rollover IRA
Replies: 1
Views: 1775

Re: Funding Roth IRA and Rollover IRA

Let me see if I follow this. - had a 401k with and converted it into a Rollover IRA (Fidelity) [GOOD] - opened a Roth IRA with Vanguard [GOOD] - I have put about $4,500 in the Vanguard Roth IRA this year [GREAT] - I have not deposited any money into the rollover IRA besides what was converted from t...
by cfs
Mon Aug 22, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Example of Credit Union converting to state charter and private insurance
Replies: 4
Views: 629

Re: Example of Credit Union converting to state charter and private insurance

Thanks.

Thank you to our shipmate dm200 for the link. Good information. Imho moving in the wrong direction and could ugly forcing tax payers to come to the rescue [again].

Thanks for reading. ~cfs~
by cfs
Mon Aug 22, 2016 8:22 pm
Forum: Personal Consumer Issues
Topic: Honeymoon - Alaska or Greece
Replies: 22
Views: 2165

Re: Honeymoon - Alaska or Greece

Alaska

Alaska all the way, and I mean the Alaska Inner Passage and Glacier Bay Cruise. Congratulations! Good luck with your plans.

Thanks for reading. ~cfs~
by cfs
Mon Aug 22, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: Donating to Habitat for Humanity
Replies: 3
Views: 520

Re: Donating to Habitat for Humanity

Check this one

Conversation in progress here: viewtopic.php?f=2&t=197957&newpost=3026397

Good luck.

Thanks for reading. ~cfs~
by cfs
Mon Aug 22, 2016 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: How does this portfolio look?
Replies: 12
Views: 1296

Re: How does this portfolio look?

Currently you have 13 funds and ETFs, this is what I see: From Top to Bottom EQUITY LARGE 11% FLCHX (large cap value) [Good] 11% FUSVX (s&p 500 index) [Good] EQUITY SMALL 11% FSSVX (small cap) [Good] 11% IJS (small cap 600 value) [Good] EQUITY INTERNATIONAL 07% EFV (international large cap value...
by cfs
Mon Aug 22, 2016 7:29 pm
Forum: Investing - Theory, News & General
Topic: Maligned sectors
Replies: 7
Views: 1123

Re: Maligned sectors

Vanguard ETF

IF you want to stay with Vanguard then you can try Vanguard Health Care ETF (VHT) or Vanguard Financials ETF (VFH) (go the ETF route or the mutual fund route, depending on how much you have at hand]. Good luck with your investments.

Thanks for reading. ~cfs~
by cfs
Mon Aug 22, 2016 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Pension buyout
Replies: 4
Views: 1007

Re: Pension buyout

This is enough.

[A]nd they are warning that this may be the only time I will get this offer . . . this is enough for me. Here the only question to ask is WHEN can you roll that money to the IRA. Good luck with your investments.

Thanks for reading. ~cfs~
by cfs
Mon Aug 22, 2016 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Getting started with Investing
Replies: 3
Views: 440

Re: Getting started with Investing

Great job! - Concur with Paul's comments, keep the money you need for the house in CDs [no need to take any chances based on the information you provided]. - $4000 emergency fund is great. - Investing 11% of your paycheck into the state retirement fund is great. - Investing in a Roth IRA is great, p...
by cfs
Mon Aug 22, 2016 5:04 pm
Forum: Investing - Theory, News & General
Topic: New sector classification for REITs
Replies: 15
Views: 1858

Re: "The S&P 500's new sector (Real Estate) could be a really big deal" so says CNBC

. . . could that explain any of the run up in REITS so far this year . . .

Possible [or maybe not]. For those invested in REITS continue on course and speed, steady as she goes. Good luck with your investments [with or without Vanguard REIT].

Thanks for reading. ~cfs~
by cfs
Mon Aug 22, 2016 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: where to start with investing
Replies: 9
Views: 1111

Re: where to start with investing

Congratulations! Congratulations on your decision to start investing. Already mentioned above, but I will link it here again, read the short book "If You Can, How Millenials Can Get Rich Slowly" by Doctor W J Bernstein, and go from there. At the present time I would NOT do what your friend...