Search found 4121 matches

by cfs
Tue Jul 17, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Bored
Replies: 25
Views: 3385

Re: Bored

Wow! I just can't remember the last time I was bored! Here is an idea for the bored gang: Create a list of 101 things to do whenever there is nothing to do. Good look with the listing y gracias por leer / cfs
by cfs
Mon Jul 16, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9040

Re: Why own a bed?

Bed? Mattress? For what reason? Recommend getting one of these from your local sports store (get one made by Coleman, green color, for about $25 dollars). Use it at night anywhere in the house, fold it and put it on a corner out of the way during the day. Good luck, y gracias por leer ~cfs~ https://...
by cfs
Sun Jul 15, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 6504

Re: Anyone not have a Budget?

NO

Just like the 7-UP commercial --- "Never had it, never will"

Good luck, y gracias por leer ~cfs~
by cfs
Sat Jul 14, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: Implementing Life-Cycle Financial Planning
Replies: 5
Views: 646

Re: Implementing Life-Cycle Financial Planning

Thank You Mister Bob for the link to the article. "He shows clients the dollar losses (not percentage losses) that their savings portfolios would suffer under these scenarios." This is good and this is exactly what I have on my portfolio spreadsheet (dollar losses based on different scenarios). Good...
by cfs
Sat Jul 14, 2018 7:49 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 344
Views: 10631

Re: COMING SOON: BOGLEHEADS PODCASTS

Thank You Mister Mel for the update.

Good luck, y gracias por leer ~cfs~
by cfs
Sat Jul 14, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 58
Views: 7340

Re: Be Careful Using Mailboxes

Any type of letter, with or without checks enclosed, I drive to my local Post Office where they will stamp it and mail it for me. It is a safe way to take care of my outgoing correspondence and it is also a good opportunity to say hello to my old Post Office friends. Good luck, y gracias por leer ~c...
by cfs
Sat Jul 14, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 5163

Re: Would you trade experiences in your youth for early retirement

Never had a plan to retire early. I gained my experience and money as an active duty military member. Over three decades in the US Navy gave me all the experience and all the travel I needed and then some. IF given the opportunity to do it all over I would NOT change a thing. Enjoy your life, good l...
by cfs
Sat Jul 14, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 344
Views: 10631

Re: COMING SOON: BOGLEHEADS PODCASTS

Concur, good choice.

We need a good launching date in September. How about during the Labor Day Weekend? The anniversary will be easy to remember.

Good luck to Mister Rick with all the logistics and all the tuff decisions, y gracias por leer ~cfs~
by cfs
Sat Jul 14, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey made me laugh today
Replies: 63
Views: 6517

Re: Dave Ramsey made me laugh today

I walk mi propio camino and I am too busy to follow him or anyone else, but I will not laugh at him. I will have to hit the mega millions lotto to come close to his bank account. He is the number 3 talk show host in USA (Hannity first, America's REAL Anchor Man second, Ramsey third), so, a LOT of pe...
by cfs
Sat Jul 14, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 344
Views: 10631

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads on Investing --- here

viewtopic.php?f=10&t=253789&start=100#p4016970

Gracias por leer ~cfs~
by cfs
Fri Jul 13, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 344
Views: 10631

Re: COMING SOON: BOGLEHEADS PODCASTS

Wow, this is all over the place (no group thinking and that is a good thing).

Good luck to the person(s) making the final call !!!

Gracias por leer ~cfs~
by cfs
Thu Jul 12, 2018 9:46 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 344
Views: 10631

Re: COMING SOON: BOGLEHEADS PODCASTS

My opinion is not worth a centavo, but here it goes anyway.

"Talking Bogleheads" - My vote is NO (sounds like talking heads)

"The Bogleheads Podcast" - My vote is YES

Just my opinion (which is not worth a centavo).

Good luck, y gracias por leer ~cfs~
by cfs
Thu Jul 12, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Bounced check
Replies: 29
Views: 3279

Re: Bounced check

Check with your banks to set up a Line of Credit on your checking accounts, this prevents the check bouncing syndrome. Good luck, y gracias por leer ~cfs~
by cfs
Thu Jul 12, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 344
Views: 10631

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads Flagship

Good luck, y gracias por leer ~cfs~
by cfs
Thu Jul 12, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 344
Views: 10631

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads Communicator

Good luck, y gracias por leer ~cfs~
by cfs
Thu Jul 12, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 344
Views: 10631

Re: COMING SOON: BOGLEHEADS PODCASTS

As far as guests, how about inviting the managers of the TFP? Vanguard Total Stock Market Index Fund, Vanguard Total International Stock Index Fund, and Vanguard Total Bond Market Index Fund (individually or in group). Good luck, y gracias por leer ~cfs~
by cfs
Thu Jul 12, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 8907

Re: What rate of return are you using for retirement projections?

Good conversation. I am not as sophisticated as Mister Peter (above), I have a very simple spreadsheet and I am using 4-5% real. My projection is based on metaphysics, extrapolation, and my proprietary cfs guessing indicators. Good luck with your projections, y gracias por leer ~cfs~
by cfs
Thu Jul 12, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 344
Views: 10631

Re: COMING SOON: BOGLEHEADS PODCASTS

Here is a recap of "the naming rules" - Per Mister Mel, the name must contain the word "Bogleheads" - Per Mister Rick, "three words or less would be ideal." So, my "Bogleheads for the Long Run" is not meeting those requirements, let's see this one: "Bogleheads Investing" podcast To Mister Rick, agai...
by cfs
Thu Jul 12, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 344
Views: 10631

Re: COMING SOON: BOGLEHEADS PODCASTS

I am back from my LUng Distance Workout (and still celebrating Croatia's win over England in the World Cup), so, let me try to come up with something creative . . . looking, looking, looking, can't find it . . . let me try this. "Bogleheads for the Long Run" Good luck to Mister Rick with the podcast...
by cfs
Wed Jul 11, 2018 6:16 pm
Forum: Forum Issues and Administration
Topic: Forum is logging me out again
Replies: 10
Views: 639

Re: Forum is logging me out again

I use a laptop, and no issues here Triple A, please check your computer settings again. Good luck, y gracias por leer ~cfs~
by cfs
Tue Jul 10, 2018 2:35 pm
Forum: Investing - Theory, News & General
Topic: Dow 40000 prediction for 2025
Replies: 44
Views: 3878

Re: Dow 40000 prediction for 2025

Exactly! Proliferation of useless predictions, and who cares if they are coming from Morningstar, Vanguard, Fidelity, or any other so called market guru. Your money, your portfolio, your decision. Gracias por leer / cfs
by cfs
Tue Jul 10, 2018 12:35 pm
Forum: Investing - Theory, News & General
Topic: Dow 40000 prediction for 2025
Replies: 44
Views: 3878

Re: Dow 40000 prediction for 2025

Houston we have a problem.

-- We have one thread telling us to get ready for a LOST decade.
-- We have this thread telling us to get ready for Dow 40k in seven years.

Which one is correct?

Gracias por leer ~cfs~
by cfs
Tue Jul 10, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters
Replies: 108
Views: 8588

Re: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters

triceratop wrote:
Tue Jul 10, 2018 10:06 am
cfs wrote:
Mon Jul 09, 2018 11:52 pm
"Bonds are for safety" should be removed from the Bogleheads vocabulary. Good luck y gracias por leer / cfs
Lumping TIPS in with nominal bond disasters due to inflation crises is an error.
Thanks for the note. I stand by my statement. Gracias por leer ~cfs~
by cfs
Mon Jul 09, 2018 11:52 pm
Forum: Investing - Theory, News & General
Topic: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters
Replies: 108
Views: 8588

Re: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters

"Bonds are for safety" should be removed from the Bogleheads vocabulary. Good luck y gracias por leer / cfs
by cfs
Sun Jul 08, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: Why 3-funds and not 4-funds or even 2-funds?
Replies: 56
Views: 4395

Re: Why 3-funds and not 4-funds or even 2-funds?

Why not two funds? Good question. You have Vanguard Total World Stock ETF and the company is launching the Vanguard Total World Bond ETF soon, so, you have your two-funder. Good luck, y gracias por leer ~cfs~ p.s. here is the good link https://pressroom.vanguard.com/news/Press-Release-VG-Announces-...
by cfs
Sat Jul 07, 2018 9:08 pm
Forum: Forum Issues and Administration
Topic: New Forum User - how fast do PM get sent?
Replies: 7
Views: 530

Re: New Forum User - how fast do PM get sent?

To the OP - Sending a PM to those helping is commendable. One thing with the PM system, you can use the settings to receive an email notification each time a member sends you a PM. Good luck, y gracias por leer ~cfs~
by cfs
Wed Jul 04, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: When is ok to change your IPS?
Replies: 21
Views: 1232

Re: When is ok to change your IPS?

My IPS (when I had one) was NOT a static document.

Now I have a retirement policy statement, and, again, it is NOT a static document.

Good luck y gracias por leer ~cfs~
by cfs
Fri Jun 29, 2018 1:43 pm
Forum: Investing - Theory, News & General
Topic: Why is warren buffet okay with no owning any bonds?
Replies: 48
Views: 4585

Re: Why is warren buffet okay with no owning any bonds?

Warren is Warren is Warren . . . Note, I know a bunch of retirees with NOT a penny invested in bonds (some of them are members of this forum, names withheld to protect the innocent), their pensions including Social Security cover ALL their expenses and then some, so, no bonds, just equities and much...
by cfs
Thu Jun 28, 2018 8:01 am
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7168

Re: Are we just way over complicating this?

Back to the op, YES, Miss Balanced Index rocks and she is the ONE fund recommended by Mister Bogle. Good luck with your ONE fund, y gracias por leer / cfs
by cfs
Mon Jun 25, 2018 4:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 228
Views: 31186

Re: Roll Call for the Retirement Class of 2018!

. . . I guess I'll jump on the class of 2019 thread when it opens up . . . Welcome aboard, your first post! The Roll Call for the Retirement Class of 2019 is alive and well, please go there and add your name to the listing (link attached) Roll Call for the Retirement Class of 2019 . Good luck with ...
by cfs
Mon Jun 25, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: How to spend it all
Replies: 14
Views: 2109

Re: How to spend it all

My last check will be written to the IRS and it will bounce. The book "Die Broke" is a good source, plenty of good information on how to make it happen. Good luck y gracias por leer / cfs
by cfs
Sun Jun 24, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Convert Windsor II to Primecap in Roth IRA?
Replies: 6
Views: 572

Re: Convert Windsor II to Primecap in Roth IRA?

Yes you can. You can exchange $25k each year to Primecap or Capital Opportunity, and you can exchange as much as you want to Primecap Core. You can't exchange anything to Dividend Growth, it is close to new investors including flagship. Good luck y gracias por leer / cfs
by cfs
Sun Jun 24, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3133

Re: Compliments for Vanguard?

ME TOO.

Fully satisfied with the support provided by my Vanguard Flagship rep which will remain unnamed to protect the innocent. My last conversation with him via phone took place more than four years ago, but we have maintained contact via electronic mail.

Good luck y gracias por leer / cfs
by cfs
Sun Jun 24, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5136

Re: car for long-distance driving

I do my monthly drive from home to home in two different states using rented cars, average miles driven during my trips around 1200. I have a good place to rent my cars. Good luck y gracias por leer / cfs
by cfs
Fri Jun 22, 2018 12:48 pm
Forum: Investing - Theory, News & General
Topic: Factor Investing Makes Someone Money, But Maybe Not You
Replies: 126
Views: 9091

Re: Factor Investing Makes Someone Money, But Maybe Not You

Quick stop here after my LUng Distance Workout, just to say "thank you Mister Rick" for this conversation. Now back to watching the World Cup, y gracias por leer / cfs
by cfs
Mon Jun 18, 2018 8:43 pm
Forum: Investing - Theory, News & General
Topic: Smart and Not-so-Smart Beta ETF closures
Replies: 2
Views: 414

Smart and Not-so-Smart Beta ETF closures

Possible duplicate, if so please merge or delete this thread. "The ETF industry’s biggest ETF issuer doesn’t often shut down ETFs, but when it does, BlackRock’s iShares arm tends to do it in the summertime. iShares announced today that it will be closing 16 ETFs, almost all of them falling under the...
by cfs
Sat Jun 16, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 57
Views: 7761

Re: I feel like selling my 3 fund

From the op: " . . . everyone is expecting a downturn . . . "

Can someone please forward the downturn memo? I missed it.

Your money, your portfolio, your decision.

Gracias por leer ~cfs~
by cfs
Sat Jun 16, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross' fund, lately...
Replies: 12
Views: 1274

Re: Bill Gross' fund, lately...

Image

Well, he is still having fund fun. Gracias por leer ~cfs~
by cfs
Sat Jun 16, 2018 7:32 am
Forum: Investing - Theory, News & General
Topic: Gundlach sees 10 yr yields hitting 6%
Replies: 18
Views: 3269

Re: Gundlach sees 10 yr yields hitting 6%

Television camera chasers. Gundlach, Bill Gross, and others well-known here. Ignore y gracias por leer / cfs
by cfs
Fri Jun 15, 2018 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: VEVFX
Replies: 6
Views: 646

Re: VEVFX

No opinions? Maybe because forum members do not have all the mumble jumbled symbols memorized and are too busy to look them up. Please decode, y gracias por leer / cfs
by cfs
Fri Jun 15, 2018 10:03 pm
Forum: Investing - Theory, News & General
Topic: Am I "market timing"?
Replies: 37
Views: 1982

Re: Am I "market timing"?

The question: Am I market timing?
The answer: Your money, your portfolio, your decision.
Good luck y gracias por leer / cfs
by cfs
Fri Jun 15, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: I am STUNNED over how much help my friends recieved with house purchase!
Replies: 47
Views: 3946

Re: I am STUNNED over how much help my friends recieved with house purchase!

I am stunned that someone finds the practice of helping your sons and daughters stunning. Good luck y gracias por leer / cfs
by cfs
Fri Jun 15, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads smarter than the bond market?
Replies: 40
Views: 4324

Re: Are Bogleheads smarter than the bond market?

-- The question: Are Bogleheads smarter than the bond market?
-- The answer: YES, the score is not even close.
-- Next question?
Good luck, y gracias por leer ~cfs~
by cfs
Thu Jun 14, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Managed Payout Fund
Replies: 29
Views: 2512

Re: Vanguard Managed Payout Fund

If you search Morningstar bucket strategy for Vanguard investors this fund is recommended by Miss Benz. Your money, your portfolio, your decision. Good luck y gracias por leer / cfs
by cfs
Wed Jun 13, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: Why market drop when Fed announced rate increase?
Replies: 19
Views: 2576

Re: Why market drop when Fed announced rate increase?

Normal stuff (for Miss Market to take a break) after rate increase announcements. However, you just don't want to be out of this market for one day! Good luck y gracias por leer / cfs
by cfs
Wed Jun 13, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17447

Re: Life in retirement - what did you do today?

dknightd wrote:
Wed Jun 13, 2018 5:19 pm
I want to retire!
Yes You Can. Si Se Puede.

Good luck y gracias por leer / cfs
by cfs
Wed Jun 13, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17447

Re: Life in retirement - what did you do today?

I like this conversation, let's keep it going, and thanks everyone for your contribution. Good start of the day, early morning LUng Distance Walk. Reached the top of my favorite hill where I have a nice view of the broad open ocean, stopped, and said a prayer for peace on the Korean Peninsula. On th...
by cfs
Wed Jun 13, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 78
Views: 11681

Re: Who uses the 3 fund portfolio ?

Andy said "I understand why some prefer to stick with 100% US equities." True. And I know of several retirees, including forum members (names withheld to protect the innocent) with a 100% equity portfolio (not a big issue for those with social security and pensions, don't try this at home). Your mon...
by cfs
Wed Jun 13, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: 1 Year Rule - Not allowed to execute new investment strategy until 1 year has passed
Replies: 27
Views: 2564

Re: 1 Year Rule - Not allowed to execute new investment strategy until 1 year has passed

I have no rules. Well, used to. But I was a notorious rule breaker. Your money, your portfolio, your decision. Gracias por leer / cfs
by cfs
Tue Jun 12, 2018 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Int. Growth vs. Vanguard Total Int.
Replies: 9
Views: 715

Re: Vanguard Int. Growth vs. Vanguard Total Int.

Symbols are VWILX (Intl growth admiral) and VTIAX (total Intl Index admiral), and here is the tale of the tape:

https://personal.vanguard.com/us/funds/ ... tingFrom=6

Pick the one you want, good luck, y gracias por leer ~cfs~