Search found 3604 matches

by cfs
Sat Feb 24, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Fast IRS refund
Replies: 11
Views: 470

Re: Fast IRS refund

Refund?

What refund?

I will PAY them in a couple of weeks, this year I cannot wait until the last minute, I plan to be in Europe before 4/17/18.

To all tax payers, good luck, y gracias por leer ~cfs~
by cfs
Sat Feb 24, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: manual typewriters?
Replies: 16
Views: 401

Re: manual typewriters?

Gave a portable Smith Corona manual typewriter to my wife in the 1970s, still have that baby wrapped in plastic and looking brand new in our garage. Good luck finding a good one, y gracias por leer ~cfs~ Looks like he might have just found one! :beer Sorry, not for sale! Gracias por leer ~cfs~
by cfs
Sat Feb 24, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: manual typewriters?
Replies: 16
Views: 401

Re: manual typewriters?

Gave a portable Smith Corona manual typewriter to my wife in the 1970s, still have that baby wrapped in plastic and looking brand new in our garage. Good luck finding a good one, y gracias por leer ~cfs~
by cfs
Sat Feb 24, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: Buffett's Shareholder Letter [2017]
Replies: 31
Views: 1487

Re: Buffett's Shareholder Letter [2017]

Thanks for the link and thanks for the good reviews [now I don't have to read the letter].

Nothing new on his bonds [are dangerous] remarks, he is NOT a member of the "Bonds are for Safety Church."

Good luck, y gracias por leer ~cfs~
by cfs
Fri Feb 23, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Why open a taxable account?
Replies: 27
Views: 2355

Re: Why open a taxable account?

The taxable account is very important on my side of the house, as a matter of facts it is our largest account. After maxing out our tax-advantaged accounts all our leftover dollars were thrown into the taxable account. Plus, a couple of years from now we will use that account to park what is left of...
by cfs
Fri Feb 23, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2075
Views: 1262070

Re: The Three-Fund Portfolio

I have a pre-order for Mister Taylor's book on the 3-Funder, and my plan is to donate it to my local library when received. Thank you Mister Barry for the link to the interview with Mister Taylor. Gracias por leer ~cfs~
by cfs
Fri Feb 23, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 18
Views: 2116

Re: Rick Ferri Fixed Income Portfolio Funds

Then the question should be asked directly to Mister Ferri, what is in your wallet, better, what is in your fixed income portfolio, and some will be surprised by the answer. My signature applies, y gracias por leer / cfs
by cfs
Thu Feb 22, 2018 8:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 202
Views: 13942

Re: Two Comma Club

What happened to the omnibus thread [the one used to announce milestones]? Was that one closed? Good luck y gracias por leer ~cfs~
by cfs
Thu Feb 22, 2018 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor: Investing In A Bear Market
Replies: 29
Views: 2271

Re: Young Investor: Investing In A Bear Market

"I'm concerned that stocks are currently still overvalued, inflation is going to be picking up, and stocks are going to be looking less attractive . . ." Are you kidding me? Was this quoted from one of the Nightly Business Report invited guests? My recommendation to 30 years young investors is to b...
by cfs
Thu Feb 22, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 44
Views: 4986

Re: "Bogleheads.org" by Kristine Hayes"

I know how to fish [former commercial fishing boat pilot here] but I have no time playing cryptogames trying to decipher mumble jumble acronyms, so, mister/miss poster, do me a favor and click the decode button and have a nice day. Good luck with your investments, y gracias por leer ~cfs~
by cfs
Thu Feb 22, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 58
Views: 3711

Re: Boglehead Flashlight?

I have two of these handy--one sitting next to my laptop.

https://www.amazon.com/Eveready-Outdoor ... B01N2BFURQ

Good luck, y gracias por leer ~cfs~

p.s. Total cost about $6 at the military exchange.
by cfs
Wed Feb 21, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 90
Views: 7753

Re: What's your cash position

Good question, and here are my two centimos. Money which is allocated for investing is already IN the market, no cash floating around except a few pennies in the brokerage settlement funds. Good luck with your investments, y gracias por leer ~cfs~
by cfs
Wed Feb 21, 2018 1:03 am
Forum: Investing - Help with Personal Investments
Topic: Thinking about selling GE to invest in an index fund
Replies: 24
Views: 2336

Re: Thinking about selling GE to invest in an index fund

Make the move first thing tomorrow morning, sell GE, buy VTI, and do the same with your Walmart stock if you have any. Good luck y gracias por leer / cfs
by cfs
Mon Feb 19, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Seeking Cruise Suggestions
Replies: 36
Views: 2172

Re: Seeking Cruise Suggestions

You can do a search for these two:

-- Galapagos and Easter Island cruise.
-- Antarctica Cruise.

Happy cruising, y gracias por leer.
by cfs
Sun Feb 18, 2018 8:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum's 11th Birthday - Feb. 19th
Replies: 27
Views: 1946

Re: Forum's 11th Birthday - Feb. 19th

Coincidence

Congratulations to:

-- Financial Wisdom Forum --- 13 yrs old today
-- Bogleheads Forum --- 11 yrs old tomorrow

Hope to be around to celebrate both forums 25th birthday.

Gracias por leer ~cfs~
by cfs
Sun Feb 18, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9131

Re: Do you wear a wedding band?

Just like the 7-UP, never had it, never will, married for almost 50yrs, wearing no rings, no watches. Always wearing my neck chain with dog tag with my name, country, one of my daughter's name and phone number, so that she can be notified if someone finds me laying at room temperature on the camino....
by cfs
Sun Feb 18, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 6757

Re: Sell me on the benefits of an emergency fund

I am not selling you nothing! My signature applies. Gracias por leer / cfs
by cfs
Sat Feb 17, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10733

Re: What has been your most important skill in achieving financial independence?

Skill? Investing as much as I could, having a professional/responsible wife, and investing 100% of her salary year after year. Good luck in your investing career and muchas gracias por leer ~cfs~
by cfs
Fri Feb 16, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266304

Re: U.S. stocks in freefall

lostdog wrote:
Fri Feb 16, 2018 12:46 pm
Anyone here admit to emotional selling during that dip?
Full disclosure, I did NOTHING during the so-called dip. Muchas gracias por leer ~cfs~
by cfs
Fri Feb 16, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 149
Views: 13253

Re: Retirees: The common sense withdrawal method

Almost 4 years as a member of the Active Retired Force, zero withdrawals and if needed I would use the TLW (Taylor Larimore withdrawal) method. Good luck y gracias por leer / cfs
by cfs
Fri Feb 16, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Article on Bogleheads in Philly.com--The Bogleheads celebrate 20 years of low-cost index funds with patron 'Saint Jack'
Replies: 17
Views: 1034

Re: Article on Bogleheads in Philly.com--The Bogleheads celebrate 20 years of low-cost index funds with patron 'Saint Ja

Read it all, thanks for the link. Note, on the "stocks in freefall" part, currently 5555 replies [not the 55,000 or so replies listed on the article] close enough for government work. Good luck, y gracias por leer ~cfs~
by cfs
Thu Feb 15, 2018 9:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. bonds in freefall
Replies: 33
Views: 5432

Re: U.S. bonds in freefall

No worries about bonds in freefall when you are 100% in equities. Good luck, y gracias por leer ~cfs~
by cfs
Thu Feb 15, 2018 8:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 104
Views: 12901

Re: Roll Call for the Retirement Class of 2018!

stumpy wrote:
Mon Jan 15, 2018 12:23 pm
. . . I keep reading that you need 85% of your pay . . .
Reality check time, for me the actual number is [average] 57.25% [years included 2014-2017], this includes ALL and I mean ALL our expenses. Good luck with your number, y gracias por leer ~cfs~
by cfs
Thu Feb 15, 2018 8:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 309
Views: 44750

Re: Roll Call for the Retirement Class of 2017!

Tracyfaa wrote:
Thu Feb 15, 2018 6:10 pm
. . . Officially retired as of september 30, 2017 . . .
Congratulations and welcome to The Active Retired Force, where we stay physically and mentally busy and enjoy our well-deserved retirement. Good luck, y gracias por leer ~cfs~
by cfs
Thu Feb 15, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 68
Views: 8243

Re: How many of you use the "4% rule" during retirement?

In the month of May I will reach the 4th year as a member of The Active Retired Force, and my portfolio withdrawal and spending rate is ZERO. Pensions and Social Security covers all our expenses and then some. Good luck with your percentage, y gracias por leer ~cfs~
by cfs
Thu Feb 15, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 88
Views: 6675

Re: Honda vs. Toyota: Which has more bang for the buck?

Our current holdings:
Toyota Tacoma
Honda Accord
Overall good vehicles. Good luck y gracias por leer / cfs
by cfs
Wed Feb 14, 2018 2:42 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11171

Re: Did you learn anything from the market correction?

Nothing new for me to learn.
Good luck and gracias por leer / cfs
by cfs
Mon Feb 12, 2018 9:34 pm
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 109
Views: 5460

Re: how did you determine your risk tolerance?

bertilak wrote:
Sun Feb 11, 2018 12:13 pm
. . . but until I find one I'll stick with 50/50 . . .
Actually, I like this allocation. Check my signature. Good luck, y gracias por leer ~cfs~
by cfs
Mon Feb 12, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 109
Views: 5460

Re: how did you determine your risk tolerance?

Retired, without the need to touch a penny from our investments. We have all the bases covered [and then some] by our pensions and social security. We can take a LOT of risk in our investments, or take NO risk at all. We have options, and life is good.
Gracias por leer ~cfs~
by cfs
Mon Feb 12, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 86
Views: 4928

Re: I didn't tax-loss harvest this month, did you?

No TLH done this month [actually, no TLH done in several months]. The last time I checked my portfolio was on January 31st to update my spreadsheet with the monthly balance, and there was nothing to TLH then. Good luck with your portfolio. Gracias por leer ~cfs~
by cfs
Mon Feb 12, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2018)
Replies: 19
Views: 1562

Re: madsinger monthly report (January 2018)

Follow up to the "mobile sized charts" issue.

Just checked the report using my phone, the charts looks perfect when using the phone horizontally [when used vertically I need to scroll right, but that's not an issue].

Gracias por leer ~cfs~
by cfs
Mon Feb 12, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2018)
Replies: 19
Views: 1562

Re: madsinger monthly report (January 2018)

. . . (that is...if anyone is really looking at these charts anymore!) . . . I have no inputs for cell phone charts. And now to these charts. Actually, BH members ARE looking at these charts. And your hard work on getting all the data together is appreciated. Thank you. Muchas gracias por leer ~cfs~
by cfs
Mon Feb 12, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 16871

Re: Number at which to stop worrying

SQRT wrote:
Mon Feb 12, 2018 5:40 pm
Worriers never stop worrying.
Ding, ding, ding, we have a winner !!!

Wishing all the worriers a good evening.

Gracias por leer ~cfs~
by cfs
Mon Feb 12, 2018 3:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266304

Re: U.S. stocks in freefall

MichaelRpdx wrote:
Sun Feb 11, 2018 8:06 pm
. . . Have I missed anything? . . .
Yes, you missed the good news, BH team was NOT selling equities during the downturn. Good luck, and gracias por leer ~cfs~
by cfs
Sun Feb 11, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Barron's Magazine
Replies: 15
Views: 1503

Re: Barron's Magazine

Bogleheads - I have never read this magazine so I am unsure of the value or interesting articles it may or may not provide. My question is does anyone read or subscribe and do they enjoy the publication? I do understand it is owned by Dow Jones the publisher of The Wall Street Journal. You can chec...
by cfs
Sun Feb 11, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Best place to exchange dollars to euros?
Replies: 18
Views: 747

Re: Best place to exchange dollars to euros?

I take the euros with me, muchos of them, exchanged at my local bank in USA. If using the ATM in Portugal my recommendation is to use it at a bank during normal business hours, just in case something happen to your card, and don't let them convert the currency for you. Good luck with your travels. M...
by cfs
Sun Feb 11, 2018 1:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266304

Re: U.S. stocks in freefall

Want to see a real free fall? Check this one. LJM Preservation and Growth Fund [LJMAX] did not "preserve" and did not "grow" this past week. As per Barron's this fund lost 80% in 2 days [February 5,6], the managers made the wrong bet and lost bigly. More on this fund, this is from the LJM website: -...
by cfs
Sat Feb 10, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: Another tire question - rotation for low mileage?
Replies: 15
Views: 1004

Re: Another tire question - rotation for low mileage?

For my Tacoma I have the tires rotated each time I go for a lube oil change, and I don't even have to ask for the service, they know me and they know what I want [on the phone when making the service appointment, okay mister cfs, oil change and tires rotation ?]. Good luck with your rotation schedul...
by cfs
Sat Feb 10, 2018 6:17 pm
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 3007

Re: Black Theme for Site?

Good conversation! Plenty of good ideas, but I like my current settings. I do remember this one from The Outer Limits. " . . . Do not attempt to adjust the picture. We are controlling transmission. If we wish to make it louder, we will bring up the volume. If we wish to make it softer, we will tune ...
by cfs
Sat Feb 10, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266304

Re: U.S. stocks in freefall

The Common Characteristics of Failed Exchange-Traded Products [good article from Morningstar]. Different firms have different approaches to product development. Some are more thoughtful than others. Many sponsors have shuttered dozens of ETPs. Others, like Vanguard, have never closed one. Let's hea...
by cfs
Sat Feb 10, 2018 2:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266304

Re: U.S. stocks in freefall

Volatility? What Volatility? That's what we have Volatility ETFs for. Good luck with those . . . and thanks for reading ~cfs~
by cfs
Fri Feb 09, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266304

Re: U.S. stocks in freefall

Monday Lessons [Possible Duplicate]

It should be Monday and Thursday Lessons . . . from Morningstar -- http://www.morningstar.com/articles/848 ... lloff.html

Good luck with your investments, and thanks for reading ~cfs~
by cfs
Fri Feb 09, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 54
Views: 6321

Re: Financially secure, horrible workplace but just can't FIRE

fsrph wrote:
Fri Feb 09, 2018 4:41 pm
. . .I'm having a hard time . . .
samsoes wrote:
Fri Feb 09, 2018 6:24 pm
. . .I'm in the same situation . . .
As a member of The Active Retired Force the only recommendation I have for you [both] is to **Q U I T** right now. Good luck with your decision, and thanks for reading ~cfs~
by cfs
Thu Feb 08, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5195

Re: What time do you go to work?

This conversation will be locked in 3, 2, 1. But, before it is locked let me give you my two centimos. Currently a member of the Active Retired Force. But on my previous life, as a military contractor, I was in the office every single work day between 0330-0400, leaving work between 1600-1700. One m...
by cfs
Thu Feb 08, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266304

Re: U.S. stocks in freefall

"The quickest way to double your money. . ."

Thank you Mister Will for that quote from the other Will.

To all investing aficionados: DO NOT SELL.

Good luck, and thanks for reading ~cfs~
by cfs
Thu Feb 08, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266304

Re: U.S. stocks in freefall

bligh wrote:
Thu Feb 08, 2018 4:00 pm
. . . A 1000 point drop for the Dow . . .
Say what?

Tell me it ain't so!

Another 1000 point drop?

Come on now, is Miss Dow getting used to the kilo drops?

How many kilos left?

Recommend a DO NOT SELL.

Good luck, and thanks for reading ~cfs~
by cfs
Thu Feb 08, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266304

Re: U.S. stocks in freefall

"Once more international is dropping the same or more than US" We don't have to go too far back, investing aficionados can check to see what happened to the internationals during the financial markets debacle aka the Great Recession. Your money, your portfolio, your decision . . . but my recommenda...
by cfs
Thu Feb 08, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: How to deal with regret
Replies: 87
Views: 7413

Re: How to deal with regret

. . . I won't need the money for many years and I have quite a lot left in cash and cash-like products . . . "When everyone is thinking the same, no one is thinking at all" is a good signature. My recommendation to anyone in the same situation is DO NOT SELL. Your money, your portfolio, your decisi...
by cfs
Wed Feb 07, 2018 10:59 pm
Forum: Investing - Theory, News & General
Topic: Indexing the next bubble?
Replies: 24
Views: 2759

Re: Indexing the next bubble?

Wait. He talked about "leveraged" ETF's and not all ETF's. You can do a search for his interview on CNBC for the rest of the story, the real story. Thanks for reading / cfs
by cfs
Wed Feb 07, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266304

Re: U.S. stocks in freefall

. . .Time to bring back this classic, by The Oracle of Omaha . . . . . . That's a nice OpEd from Mr. Buffett, thanks for the link . . . . . .Warren Buffett has over a hundred billion in cash with which he is not (currently) buying American (equities) . . . . . .The article talks about his personal ...