Search found 3443 matches

by cfs
Sun Dec 10, 2017 2:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 274
Views: 37943

Re: Roll Call for the Retirement Class of 2017!

. . . I don't think I should be counted on this list . . . Actually, you belong on this list with an unofficial retirement date of 12/15/17 . You are about to embark in an awesome adventure, and by the time you finish with the sabbaticus you will have zippo desire to get back to the same old office...
by cfs
Sun Dec 10, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 34
Views: 3545

Re: Why is Vanguard switching all accounts to brokerage accounts?

I can’t seem to use mobile check deposit after converting to brokerage. Sad. U N S A T I S F A C T O R Y! The good news, this is fixable. I had the same issue, after the upgrade the link from my checking account to my Vanguard account went down the tubes, I contacted my representative to unscrew th...
by cfs
Sat Dec 09, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10346

Re: Save all this money, what do you splurge on?

Retired 10 yrs ago, we are now 70 and decided to splurge, bought a Corvette and went on a big road trip, were home 2 weeks then took a month cruise through the cannal and around the horn. Still trying to catch up and rest up. Loved it but would not do it again-travel is for the younger. Thank you f...
by cfs
Sat Dec 09, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Retire in my early 40s? Crazy or actually doable?
Replies: 71
Views: 8246

Re: Retire in my early 40s? Crazy or actually doable?

Retire at 40? YES, it is doable--but why do it? On my side of the house my most productive years were from 40 to 60. But that was me, and everyone is different. Wishing YOU good luck with your decision, have a Merry Christmas, and thanks for reading.
by cfs
Sat Dec 09, 2017 7:42 pm
Forum: Forum Issues and Administration
Topic: Thank you Admins
Replies: 18
Views: 1468

Re: Thank you Admins

Taylor Larimore wrote:
Sat Dec 09, 2017 7:06 pm
cfs wrote:
Sat Dec 09, 2017 6:45 pm
This conversation will be locked in three, two, one . . .
cfs:

"Thank you" is never locked. It is always appreciated!

Best wishes
Taylor
Thank You! And have Merry Christmas.
by cfs
Sat Dec 09, 2017 6:45 pm
Forum: Forum Issues and Administration
Topic: Thank you Admins
Replies: 18
Views: 1468

Re: Thank you Admins

This conversation will be locked in three, two, one . . .

Wishing all forum members and visitors a Merry Christmas, and thanks for reading.
by cfs
Sat Dec 09, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Do you have any guilty pleasure investments?
Replies: 53
Views: 2885

Re: Do you have any guilty pleasure investments?

Come on now, is this a serious conversation, or just pleasure talk? With the awesome post election past 12-month gains my imperfect portfolio looks and feels like a pleasure thing. Wishing all forum members and visitors a Merry Christmas, and thanks for reading.
by cfs
Sat Dec 09, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 856

Re: carefirst or Kaiser Rockville Md

My plan is with Kaiser, the hospital is only a few blocks from my home. I can walk to Kaiser or drive 50 miles to/from the VA hospital (easy choice, I like to walk). And for those who care about stars, Medicare gives Kaiser a five star across the board. Good luck with your decision. Wishing all foru...
by cfs
Sat Dec 09, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: Trying to nail down asset allocation for second bucket
Replies: 43
Views: 1428

Re: Trying to nail down asset allocation for second bucket

. . . Our retirement savings has 2 buckets . . . WARNING, don't try this at home. I have a safe and a risky bucket (some call this LMP), for this conversation let's call it bucket 1 and 2. Because I don't need the money my bucket 2 is 100% equities. Disclosure, retired since 2014, receiving social ...
by cfs
Sat Dec 09, 2017 2:58 pm
Forum: Investing - Theory, News & General
Topic: Volatility of Vanguard Intermediate-Term Tax-Exempt Fund
Replies: 14
Views: 1401

Re: Volatility of Vanguard Intermediate-Term Tax-Exempt Fund

Bonds, bonds, bonds, and more bonds (all of them including munis), those are the only tricky holdings in my imperfect portfolio, but I am not messing with them, at least not for now. Good article by Alan Roth on munis on the link provided by goingup above (thanks for the link). Have a Merry Christma...
by cfs
Sat Dec 09, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Does a Boglehead ever time the market?
Replies: 64
Views: 3753

Re: Does a Boglehead ever time the market?

. . . In my own personal experience, timing is a sucker's bet. I lose every time. If I buy, the market goes down. If I sell, the market goes up . . . Good answer. Thank you. Here is a lesson learned on my side of the house, my retirement portfolio did much better on those years when I was away inco...
by cfs
Fri Dec 08, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Does a Boglehead ever time the market?
Replies: 64
Views: 3753

Re: Does a Boglehead ever time the market?

YES. Next question? Wishing you a Merry Christmas and thanks for reading.

p.s. Welcome aboard, your first post !!!!
by cfs
Thu Dec 07, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: sharing cost of tree cutting
Replies: 31
Views: 1556

Re: sharing cost of tree cutting

One of my neighbors complained about my whipping fig dumping leaves on his patio [note, he was very happy with the tree because it provided nice shade on his pile of junk next to my fence, his issue was with the leaves falling on his pile of junk]. He went to work and when he returned the whipping f...
by cfs
Thu Dec 07, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Is Worried About U.S. Pensions
Replies: 80
Views: 7046

Re: Jack Bogle Is Worried About U.S. Pensions

This is becoming routine, every week I see articles about John Bogle worrying about something.

Stop worrying, just visit the nearest Mexican restaurant and enjoy some hot menudo aka breakfast for champions.

Merry Christmas, and thanks for reading.
by cfs
Thu Dec 07, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: Does it look like a bubble to you?
Replies: 42
Views: 3561

Re: Does it look like a bubble to you?

Bail out?

No Way, Jose!

This time it's different.


Wishing all Bogleheads a Merry Christmas, and thanks for reading.
by cfs
Thu Dec 07, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 1709

Re: SSN on job applications

Come on now, your social security number, your date of birth, your credit card number, your driver licence number, your place of birth, your home address, your cell phone number, etc, all this is out there for anyone to purchase for just a few bucks. Welcome to the information super highway, this ti...
by cfs
Thu Dec 07, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4823

Re: I received a speeding ticket via mail from IA - should I pay it?

Just pay the f-ticket and be done with. IF you feel you were done wrong, then you can get even, when traveling thru the state do NOT stop anywhere to spend a penny, not even on corn chips, do not support their economy, just top off your tank before and after reaching the state and keep on trucking. ...
by cfs
Tue Dec 05, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: When & how much to donate?
Replies: 108
Views: 8333

Re: When & how much to donate?

Donating?

Here are two of my favorites:

The John C. Bogle Center for Financial Literacy [click here for more info].

This forum [click here for more info].

Wishing YOU and YOUR family a Merry Christmas, and thanks for reading.
by cfs
Tue Dec 05, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: First post from this retiree with questions - my daughter sent me here!
Replies: 34
Views: 3822

Re: First post from this retiree with questions - my daughter sent me here!

Welcome aboard, your first post

Daughter knows best!

Wishing YOU and YOUR family a Merry Christmas, and thanks for reading.
by cfs
Tue Dec 05, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: The "petro," a Venezuelan oil-backed cryptocurrency
Replies: 32
Views: 2259

Re: The "petro," a Venezuelan oil-backed cryptocurrency

what is actionable about this topic? how is this not a political topic? Let me post this before this conversation is locked! Why locked? In my opinion this is valid conversation about the new and improved Venezuelan Petros [on a personal note, I would NOT invest a penny on anything coming from what...
by cfs
Mon Dec 04, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage is About To Be Paid - I'm Scared!
Replies: 43
Views: 5649

Re: Mortgage is About To Be Paid - I'm Scared!

. . . Then I went after the mortgage. It will be paid in about one year . . . ALL ENGINES STOP. Do NOT change a thing. One year from now the check you are currently sending to the mortgage company should be sent to Vanguard for deposit to your IRA, and when the IRA is full then deposit ALL to your ...
by cfs
Mon Dec 04, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 129
Views: 11308

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

Good question by Random Walker. Classic answer by Taylor Larimore. Wishing YOU and YOUR family a Merry Christmas, and thanks for reading.
by cfs
Mon Dec 04, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg--BlackRock and Vanguard Are Less Than a Decade Away From Managing $20 Trillion
Replies: 4
Views: 745

Re: Bloomberg--BlackRock and Vanguard Are Less Than a Decade Away From Managing $20 Trillion

Right now I am just trying to keep my account open. So, no comments! Have a Merry Christmas, and thanks for reading.
by cfs
Sat Dec 02, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 129
Views: 11308

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

Ha!

The bottom line is this, every other company out there better learn how to speak Vanguardish [or else].

Wishing YOU and YOUR family a Merry Chrismas and thanks for reading.
by cfs
Sat Dec 02, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1617
Views: 289695

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

YTD returns?

I don't know.

However, my portfolio GROWTH in 2017 is looking good.

Disclosure, retired since 2014 with a zero percent withdrawal rate.

Wishing YOU and YOUR family a Merry Christmas and thanks for reading.
by cfs
Sat Dec 02, 2017 4:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6790

Re: Vanguard customer service reps need some training

. . . I told him to break it up into a 25% 45% and 30% break down into each specific fund . . . Concur, very simple instructions. The next time have the rep "read back to you" for possible corrections. Better, the next time just do your transaction using their imperfect website. Wishing YOU and YOU...
by cfs
Fri Dec 01, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Avoid High Ranked Funds
Replies: 9
Views: 1979

Re: Larry Swedroe: Avoid High Ranked Funds

Not looking good for the home team. Based on the star system I have an overall 3-Star Portfolio [counted all the stars and divided by the number of funds in my portfolio]. This will be fixed soon, as soon as I replace my Dumb Beta super stars with some Smart Beta zero stars. Wishing YOU and YOUR fam...
by cfs
Fri Dec 01, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10278

Re: Price of haircut?

Here is a sea story for you. I pay Zero . The last time I paid for a haircut was back in the summer of 1983, I left the barber shop extremely upset, went home, immediately shaved my head, and have done so every day for the past 34 years. Note, I used to get a military style haircut every payday [eve...
by cfs
Fri Dec 01, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Have you moved to ETF's? Why or why not?
Replies: 33
Views: 2278

Re: Have you moved to ETF's? Why or why not?

If I can get the fund in ETF version then I get the ETF, however, some of my Dumb Beta Mutual Funds do not have an ETF version. So, I use both ETF and mutual funds. I plan to dump the Dumb Beta ones as soon as I can get into the new Smart Beta ones from Vanguard. Wishing YOU and YOUR family a Merry ...
by cfs
Thu Nov 30, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Where Deploy Capital with Market being where it is?
Replies: 9
Views: 498

Re: Where Deploy Capital with Market being where it is?

IF you can decode those symbols other members will give you their point of view. As far as "market being were it is" . . . maybe you want to wait a few more weeks, here are some numbers for you, these are at the close of the market on November 8th, 2016: DOW: 18,332.74 S&P: 2,139.56 NAS: 5,193.49 So...
by cfs
Thu Nov 30, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 213
Views: 16198

Re: Anyone tired of the stock market going up?

. . . this is just too much of a good thing . . . Miss Market continues to be hot [not in a sexual way]. However, here in the USA we have $2.76 TRILLION sitting in money markets as of 11/21/17 [an increase of $21.90 billion from previous week], that's a LOT of money sitting on the sidelines. Closin...
by cfs
Thu Nov 30, 2017 12:13 am
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 11803

Re: Bonds Are Riskier Than People Think

Yes, bonds are riskier than people think. And so are equities. I have lost money in US bonds. I have lost money in international bonds. I have lost money in US equities. I have lost money in international equities. But my portfolio continues to grow significantly. Disclosure, member of the Active Re...
by cfs
Wed Nov 29, 2017 11:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 129
Views: 11308

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

lack_ey wrote:
Wed Nov 29, 2017 11:15 pm
. . . FWIW Vanguard doesn't use the term "smart beta" anywhere I see . . .
Thanks for the note.

Wishing you a Merry Christmas, and thanks for reading.
by cfs
Wed Nov 29, 2017 10:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 129
Views: 11308

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

Good.

Now Vanguard can close all their DUMB BETA funds.

Wishing you a Merry Christmas, and thanks for reading.
by cfs
Wed Nov 29, 2017 8:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 42
Views: 6530

Re: Roll Call for the Retirement Class of 2018!

Seqfish wrote:
Wed Nov 29, 2017 11:55 am
. . . 3/3/2018 . . .
Larry2623 wrote:
Wed Nov 29, 2017 12:15 pm
. . . 4/2/2018 . . .
Good News, congratulations on your decision to pack it. Merry Christmas, and thanks for reading.
by cfs
Mon Nov 27, 2017 10:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 274
Views: 37943

Re: Roll Call for the Retirement Class of 2017!

. . . will be submitting my resignation effective 31 Dec 2017 . . . This is great, the finish line is just around the corner. On your last day at work, have some fun by giving your friends the Retirement Class Scream ["I am work freeeeeeeeeeeeeeeeeeee"], then go out there and have a great life as a...
by cfs
Mon Nov 27, 2017 9:51 pm
Forum: Investing - Theory, News & General
Topic: Common Sense on Mutual Funds
Replies: 20
Views: 2066

Re: Common Sense on Mutual Funds

This was my first [and best] investment book. I had the book for many years and read it many times during my US Navy deployments. Finally gave it to one of my squared-away junior Sailors when I packed my gear for retirement. Wishing YOU and your family a Merry Christmas, and thanks for reading.
by cfs
Mon Nov 27, 2017 8:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 42
Views: 6530

Re: Roll Call for the Retirement Class of 2018!

I think I have a date now... January 12. How do you spell awesome? As soon as you hit the parking lot on your last day at work, I want to hear your super loud Retirement Class Scream: "I am work freeeeeeeeeeeeeeeeeeee" !!! Oh my, what a great feeling, joining the Active Retired Force at the young a...
by cfs
Mon Nov 27, 2017 5:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 244
Views: 34059

Re: Roll Call for the Retirement Class of 2016!

TimeRunner wrote:
Sat Nov 25, 2017 10:03 pm
. . . Fun to see this thread brought back to life . . .
Yes, it is fun to come back to the retirement series from time to time [way much better than reading the same old "indexing goooood, active management baaaaad" conversations]. Already then, have a Merry Christmas and thanks for reading.
by cfs
Mon Nov 27, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: I have Microsoft Office 2007. Should I upgrade?
Replies: 37
Views: 1861

Re: I have Microsoft Office 2007. Should I upgrade?

. . . I wonder if I am missing out by not having a more recent version . . . Yes you are, 2007 is no longer supported, for those with multiple computers the Office 365 package for [five] platforms is a good deal. Here is more info: https://www.microsoft.com/en-us/store/d/office-365-home/cfq7ttc0k5d...
by cfs
Sun Nov 26, 2017 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: May reach critical mass soon, how do I protect what I have?
Replies: 26
Views: 3165

Re: May reach critical mass soon, how do I protect what I have?

. . . Assuming I hit my number before my RMDs start what are good options (preferably within Vanguard) where I can place my funds and not have to worry about losing what I have worked so hard to put together . . . Welcome aboard, your first post! Whatever you do, don't be out of the market. Based o...
by cfs
Sat Nov 25, 2017 10:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 274
Views: 37943

Re: Roll Call for the Retirement Class of 2017!

TG2 wrote:
Sat Nov 25, 2017 9:20 pm
. . . Last day of work was October 18 . . .
Congratulations, retired at 58, how sweet it is! Good luck in your retirement, stay mentally and physically active, have a Merry Christmas, and thanks for reading.
by cfs
Sat Nov 25, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 19
Views: 1676

Re: Best Fund for Taxable Account

. . . Do you think that those are a better option than doing VTSAX in the taxable account? While they might have better tax advantages, seems like growth of VTSAX would be better over the long term. Would also keep my portfolio simple since I already own VTSAX. NO. As per my first post, I would con...
by cfs
Sat Nov 25, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 19
Views: 1676

Re: Best Fund for Taxable Account

National and State munis [this one is applicable to California residents]: This one "seeks to provide federally tax-exempt income . . ." Vanguard Intermediate-Term Tax-Exempt: https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0042&ps_disable_redirect=true This one "seeks to provi...
by cfs
Sat Nov 25, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 19
Views: 1676

Re: Best Fund for Taxable Account

For your consideration: Vanguard Total Stock Market Index Fund Vanguard Total International Index Fund Also check these two [if you are looking for state munis]: Vanguard California Long-Term Tax-Exempt Fund Vanguard California Intermediate-Term Tax-Exempt Fund Good luck with your decision, good luc...
by cfs
Sat Nov 25, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 5539

Re: Etiquette question: Paying for meals out & out of town guests

Duplicate conversations? What's going on? But anyway, I already replied on the other side, so, copy and paste follows: "This is a good time to show some class and to give everyone a life lesson. I collect all the separate bills and then I pull the stack of $20s I have parked in my wallet and pay AL...
by cfs
Sat Nov 25, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 5539

Re: Etiquette question: Paying for meals out & out of town guests

Duplicate conversations? What's going on? But anyway, I already replied on the other side, so, copy and paste follows: "This is a good time to show some class and to give everyone a life lesson. I collect all the separate bills and then I pull the stack of $20s I have parked in my wallet and pay ALL...
by cfs
Sat Nov 25, 2017 6:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 244
Views: 34059

Re: Roll Call for the Retirement Class of 2016!

. . . Here is the updated Retirement Graduation Class of 2016 - we have 64 graduates . . . Add another retiree to the list! . . . I'm gonna belatedly join this class, not 2017. I retired from the federal government in August 2016 . . . GCD, congratulations and welcome to the retirement class of 201...