Search found 4087 matches

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: 82
Views: 4748

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: 352

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: 7382

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: 1190

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: 3175

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: 611

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: 1868

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: 3718

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: 4154

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: 2413

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: 2500

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: 16525

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: 16525

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: 75
Views: 9515

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: 2436

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: 667

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~
by cfs
Tue Jun 12, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 103
Views: 14111

Re: [favorite] Boglehead quotes

"Gracias por leer"
by cfs
Tue Jun 12, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Why don't we index the Nasdaq too?
Replies: 16
Views: 2002

Re: Why don't we index the Nasdaq too?

Try
USAA Nasdaq 100 Index Fund (USNQX)
Power Shares QQQ
Good luck y gracias por leer ~cfs~
by cfs
Mon Jun 11, 2018 2:23 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Makes Factors Endure
Replies: 55
Views: 3446

Re: Larry Swedroe: What Makes Factors Endure

Thank you Mister Dave for the link to another good article by Mister Larry.

Good luck, y gracias por leer ~cfs~
by cfs
Mon Jun 11, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince my co-worker to invest more?
Replies: 47
Views: 3255

Re: How to convince my co-worker to invest more?

LiterallyIronic wrote:
Mon Jun 11, 2018 10:53 am
. . . I'm not familiar with that book . . .
IF YOU CAN . . . Here, you can download a copy for free and pass to your friend. Good luck, y gracias por leer ~cfs~

https://www.etf.com/docs/IfYouCan.pdf
by cfs
Mon Jun 11, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16525

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

What did I do today? It is now 0955 local time. Took care of my fast-paced LUng Distance workout, said a prayer for peace during my workout, also during the workout I stopped at one corner about two miles from home to have nice talk about Creation with two good friends, returned home, washed my work...
by cfs
Mon Jun 11, 2018 5:26 am
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 456
Views: 100732

Re: Anyone regret paying off mortgage early?

I did it and it feels good (paying off the mortgage). Good luck y gracias por leer / cfs
by cfs
Sun Jun 10, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: Why large cap if small cap is better?
Replies: 20
Views: 1530

Re: Why large cap if small cap is better?

Well, looking at my boring portfolio, I have large cap, I have mid-cap, I have small-cap, plus I have a good amount of useless internationals just for the fun of it . . . and I intend to keep ALL of them. Your money, your portfolio, your decision. Buena suerte, y gracias por leer ~cfs~
by cfs
Sun Jun 10, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 3516

Re: The effect of a difficult last name on employment prospects...

One of my university friends from the Middle East changed his first and last names prior to graduation, now he is using a first name with only four letters, and his last name is only five letters (first and last name are now as American as apple pie, but withheld to protect the innocent). Good luck ...
by cfs
Sat Jun 09, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: How does an investor best adjust asset allocation from 85/15 to 70/30?
Replies: 23
Views: 2051

Re: How does an investor best adjust asset allocation from 85/15 to 70/30?

We are not talking about taxable, so, no tax consequences. On the tax-advantaged account do a $150k "exchange" from your equity mutual fund to your bond mutual fund. Simple, done, and now we can get back to the real important things in life. Good luck, y gracias por leer ~cfs~
by cfs
Sat Jun 09, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 5438

Re: Jack Bogle on Fox Business Channel Friday June 8

"Did anyone count how many times Ms. Bartiromo took off her glasses?" No I did not count. Some may find this annoying, but for me it is a natural thing to do. That is exactly what I do when I am in a conversation and have to read a note, put my reading glasses on, read the note, take my reading gla...
by cfs
Sat Jun 09, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11151

Re: Are you including SS in your planning model? Are the benefits really that high?

A lot of workers are retiring and Social Security is not going to be around for too long . . . (so said my father 56 years ago).
Good luck, y gracias por leer ~cfs~
by cfs
Sat Jun 09, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Passive Investing Demonized
Replies: 8
Views: 1675

Re: Larry Swedroe: Passive Investing Demonized

Thank you Mister Dave for another good article by Mister Larry. One of our local financial radio talking heads used to ask his listeners [ invest in index funds if you want to be average . . . do you want to be average or do you want to make good money in the market? ]. Of course, you needed to hire...
by cfs
Fri Jun 08, 2018 11:16 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 5438

Re: Jack Bogle on Fox Business Channel Friday June 8

Thanks for the link to the videos, good job by Mister Bogle and good job by Miss Bartiromo. Good luck y gracias por leer / cfs
by cfs
Fri Jun 08, 2018 9:18 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 5438

Re: Jack Bogle on Fox Business Channel Friday June 8

Retired1809
You see your I'd on the upper right side, there you go to edit your profile, account settings, there you enter a new pw. Good luck y gracias por leer / cfs
by cfs
Fri Jun 08, 2018 9:03 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 5438

Re: Jack Bogle on Fox Business Channel Friday June 8

Transcript available? Gracias por leer / cfs
by cfs
Fri Jun 08, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 51
Views: 8515

Re: Anyone taken a mid-career sabbatical?

Thanks to Mister Friar for the note, and I hope a couple of our active duty members are reading about our sabbaticus after leaving active duty. Some of my shipmates moved from active duty to the civilian work force during a weekend, but my recommendation is to take some time off, listen to the silen...
by cfs
Thu Jun 07, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 8603

Re: Don't make the mistake I made (Telemarketing hell)

I have no issues, I do not answer my cell phone, anyone calling me will hear a message in Spanish, por favor deje su mensaje . . . Gracias por leer / cfs
by cfs
Thu Jun 07, 2018 7:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's own 401k plan eliminating S&P 500 Index option!
Replies: 86
Views: 7506

Re: Vanguard's own 401k plan eliminating S&P 500 Index option!

Some of the funds removed from their 401k are part of the "Vanguard Select" listing? Okay! Gracias por leer / cfs
by cfs
Thu Jun 07, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 79
Views: 4269

Re: How much to budget for a week long vacation for 2?

Mister TL, thanks for the question, good one. On the average, for a 10-day-tripper our cost is about $6k total, give or take $1k to play it safe. Currently planning two extended trippers to the Iberian Peninsula (one in the Fall season, one in the Spring season). Good luck with budget planning, and ...
by cfs
Wed Jun 06, 2018 3:33 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What If Your Plan Fails?
Replies: 49
Views: 4785

Re: Larry Swedroe: What If Your Plan Fails?

Thank you Mister Dave for the link to yet another good article by Mister Larry. I do have my Plan B. Currently using a very low (percentage-wise) withdrawal rate. MCS results are looking good on my side of the house. I don't need that much from my portfolio. Good luck, y gracias por leer ~cfs~
by cfs
Mon Jun 04, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Flight cancelled. Entitle to any compensation?
Replies: 32
Views: 4631

Re: Flight cancelled. Entitle to any compensation?

Last September our flight to Madrid was delayed 5 hours in Washington DC (original aircraft was replaced due to electronic issues), for "customer appreciation" we both received an electronic travel certificate for the amount of $100 (each) for our next trip (we asked to be compensated). Good luck, y...
by cfs
Mon Jun 04, 2018 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?
Replies: 39
Views: 4084

Re: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?

Actually, here is the status of Odyssey Funds (today as per Primecap website): -- Primecap Odyssey Stock Fund (POSKX) up 0.22 -- Primecap Odyssey Growth Fund (POGRX) down 0.56 -- Primecap Odyssey Aggressive Growth Fund (POAGX) down 1.65 Tomorrow they could recover big time and move on (or maybe not)...
by cfs
Mon Jun 04, 2018 5:23 pm
Forum: Investing - Theory, News & General
Topic: Thinking of a divorce - from Vanguard
Replies: 41
Views: 5413

Re: Thinking of a divorce - from Vanguard

Maybe it is just ME, but if I had issues with X company I would take my money and not just walk but run to another company, second opinion not required nor desired, I would just do it. Your money, your portfolio, your decision. Well yes....but....that could be frying pan to fire. :shock: No reason ...
by cfs
Mon Jun 04, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: Thinking of a divorce - from Vanguard
Replies: 41
Views: 5413

Re: Thinking of a divorce - from Vanguard

Maybe it is just ME, but if I had issues with X company I would take my money and not just walk but run to another company, second opinion not required nor desired, I would just do it. Your money, your portfolio, your decision. To everyone leaving X company, good luck, y gracias por leer / cfs
by cfs
Mon Jun 04, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: What have you tapped your emergency fund for?
Replies: 15
Views: 1702

Re: What have you tapped your emergency fund for?

My portfolio is my emergency fund and I have used it to pay off my mortgage(s). I did it and it feels good. Your money, your portfolio, your decision. Good luck y gracias por leer / cfs
by cfs
Sun Jun 03, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Why have a savings account at all?
Replies: 153
Views: 10546

Re: Why have a savings account at all?

As I have said before, I see our whole portfolio as an emergency fund, and yes, we do have a couple of accounts with the Navy Federal Credit Union (and we intend to keep them), for years I have known everyone working in our local branch and I drop by on a weekly basis to say hello and to pack my wa...
by cfs
Sun Jun 03, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: What are you doing with cash?
Replies: 82
Views: 9734

Re: What are you doing with cash?

My investable money is already invested. Now to cash. I have cash in checking account to pay all our bills, all of them except car insurance in auto pay mode, cash in savings account for my local use, cash in money market funds, plus, my wallet is always full of dead presidents. Your money, your por...
by cfs
Sun Jun 03, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Why have a savings account at all?
Replies: 153
Views: 10546

Re: Why have a savings account at all?

As I have said before, I see our whole portfolio as an emergency fund, and yes, we do have a couple of accounts with the Navy Federal Credit Union (and we intend to keep them), for years I have known everyone working in our local branch and I drop by on a weekly basis to say hello and to pack my wa...
by cfs
Sun Jun 03, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 23
Views: 2204

Re: Vanguard platform

Why stay with 19th century stuff, jump to the 21st century and join the FUN. Your money, your portfolio, your decision. Gracias por leer / cfs
by cfs
Sun Jun 03, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13474

Re: Best Advice You Never Took

Best advice I never took . . . thinking . . . thinking. . . thinking, oh, ok, it had to do about love and respect.
Gracias por leer / cfs
by cfs
Sun Jun 03, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Why have a savings account at all?
Replies: 153
Views: 10546

Re: Why have a savings account at all?

As I have said before, I see our whole portfolio as an emergency fund, and yes, we do have a couple of accounts with the Navy Federal Credit Union (and we intend to keep them), for years I have known everyone working in our local branch and I drop by on a weekly basis to say hello and to pack my wal...
by cfs
Sun Jun 03, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: Asset Location Gets REALLY Complex [Tax-ajusted asset allocation]
Replies: 21
Views: 2177

Re: Asset Location Gets REALLY Complex

Interesting conversation. I have tried my best to create a very efficient portfolio, maximizing my "after tax returns." I have tried my best to minimize taxes on my taxable account (but I do not let taxes part fully control my investment products selection). Your money, your portfolio, your decision...
by cfs
Sun Jun 03, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard’s Asset Growth Is Slowing
Replies: 9
Views: 1856

Re: Vanguard’s Asset Growth Is Slowing

I don't see any big issues here. -- Vanguard is doing fine with inflows. -- Vanguard is doing okay with customer service. -- Vanguard is doing fine with their index funds. -- Vanguard is doing fine with their managed funds. -- Vanguard is doing okay with their website, but could be better. But anywa...
by cfs
Sat Jun 02, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: One more try: get rid of profile posted to "background check" sites
Replies: 4
Views: 920

Re: One more try: get rid of profile posted to "background check" sites

Please decode SEO and GDPR for the rest of us.

Gracias por leer / cfs