Search found 1166 matches

by oldzey
Tue Apr 16, 2019 11:18 pm
Forum: Personal Consumer Issues
Topic: Travel Tips -- Santa Fe, Taos, etc.
Replies: 32
Views: 1295

Re: Travel Tips -- Santa Fe, Taos, etc.

The Randall Davey Audubon Center and Sanctuary is a hidden gem.

http://randalldavey.audubon.org/
by oldzey
Sun Apr 14, 2019 12:28 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 695
Views: 87281

Re: Post your Financial Milestone Announcements Here

Five years after joining the Bogleheads.org forum and applying the knowledge provided here, my portfolio has increased from $15K to $275K.

My deepest gratitude goes out to Jack Bogle (RIP) and my fellow Bogleheads for the positive difference they have made in my life.

Sincerely,
oldzey
by oldzey
Sun Apr 14, 2019 11:02 am
Forum: Investing - Theory, News & General
Topic: Post your Investment Policy Statement IPS here
Replies: 62
Views: 64431

Re: Post your Investment Policy Statement IPS here

My IPS contains many items, including some of which I've borrowed from this forum (thank you), but the basic heart of my IPS currently is: 74% ± 5% Equities: VTSAX (Roth IRA); QREARX & TIEIX (403b); VONE (Taxable). 26% ± 5% Fixed Income: TIAA Traditional (403b). Glide path: Age – 25 = % FI. Adjust A...
by oldzey
Fri Apr 12, 2019 6:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 657
Views: 74690

Re: U.S. stocks continue to soar!

Tycoon wrote:
Fri Apr 12, 2019 11:20 am
Admiral wrote:
Fri Apr 12, 2019 8:51 am
What's today's theory-of-the-moment on today's open? Just curious.
I am buying.
Always a good day to buy U.S. stocks. :beer

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by oldzey
Fri Apr 05, 2019 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead teachers or those married to one: some questions about career and life...
Replies: 101
Views: 6486

Re: Boglehead teachers or those married to one: some questions about career and life...

Tenure:

Pro: You have a lifetime job.
Con: You have a lifetime job.

It's like winning a pie eating contest, with the grand prize being more pies to eat.
by oldzey
Fri Apr 05, 2019 5:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 657
Views: 74690

Re: U.S. stocks continue to soar!

U.S. stocks... I'll take 3,573 of them, please!

Soar high, U.S. stocks!

Image
by oldzey
Wed Apr 03, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: Windows 10 security software
Replies: 33
Views: 2167

Re: Windows 10 security software

I use both Malwarebytes Premium and Windows Defender.
by oldzey
Sun Mar 31, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 257
Views: 20968

Re: "The best and worst U.S. states for retirement"

Thanks, Taylor.

After the past winter here in the Midwest (with the polar vortex bonus), I would seriously consider moving to Florida.
by oldzey
Sun Mar 31, 2019 9:32 am
Forum: Investing - Theory, News & General
Topic: 3-fund Portfolio Tracking?
Replies: 7
Views: 888

Re: 3-fund Portfolio Tracking?

You might find this report by Rick Ferri and Alex Benke illuminating:

A Case for Index Fund Portfolios
by oldzey
Wed Mar 27, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: Need some help with slow folders in Windows
Replies: 33
Views: 1693

Re: Need some help with slow folders in Windows

Here's a good resource that I've used for years: https://www.tweakhound.com/2015/12/09/tweaking-windows-10/ I also concur that the free version of CCleaner might help: https://www.ccleaner.com/ Caveat emptor - be careful before tweaking/cleaning - I'd recommend backing up your files on an external d...
by oldzey
Wed Mar 27, 2019 7:32 am
Forum: Personal Consumer Issues
Topic: Buying Concert Tickets
Replies: 20
Views: 782

Re: Buying Concert Tickets

I’m shopping for Elton John concert tickets. I seldom attend any live shows. Is StubHub, Ticketmaster or other the best place to buy? Do tickets get cheapest day of show as scalpers unload or is it better to buy early? I buy and sell on Ticketmaster and StubHub a few times a year. I find them both ...
by oldzey
Tue Mar 26, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: I would like a boat. I also know nothing about boats
Replies: 147
Views: 8569

Re: I would like a boat. I also know nothing about boats

The first thing to know about a boat is that she will make you very happy twice: first when you buy her and then when you sell her. :P :P :P Yep, around here, Chesapeake Bay, with only about a zillion of them, the saying goes like this: "The happiest days in a boat owner's life is the day he buys t...
by oldzey
Mon Mar 25, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: I would like a boat. I also know nothing about boats
Replies: 147
Views: 8569

Re: I would like a boat. I also know nothing about boats

My family had a fixer-upper lake house when I was growing up. We spent about 2% of our time on the lake and the other 98% either traveling to or working on the lakehouse, in addition to the dock, boat hoists, yard, broken pipes, renting/dealing with tenants, taking the boats/trailers to the marina f...
by oldzey
Fri Mar 22, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 4994

Re: Do you still wear a necktie to work?

I'm a teacher. Once I got tenure, I stopped wearing ties. Honestly, school are dirty. It's annoying ruining clothes at work. At this point, I'm down to a handful of "wedding and funeral" ties. I envy you. I'm also tenured, but professional dress is expected in my field of hospitality management. Dr...
by oldzey
Wed Mar 20, 2019 8:10 am
Forum: Investing - Theory, News & General
Topic: "How Jack Bogle Changed Investing"
Replies: 5
Views: 644

Re: "How Jack Bogle Changed Investing"

Thanks, Taylor!
by oldzey
Wed Mar 20, 2019 8:09 am
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 158
Views: 15911

Re: Tributes to Jack Bogle

Adding this article to the tributes:
Taylor Larimore wrote:
Tue Mar 19, 2019 3:25 pm
Bogleheads:

This is a very informative article about Jack Bogle, Vanguard, and indexing by Lewis Braham, author of "The House that Bogle Built":

How Jack Bogle Changed Investing.

Best wishes.
Taylor
by oldzey
Tue Mar 12, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: How to get Vanguard to stop recognizing my laptop?
Replies: 13
Views: 1382

Re: How to get Vanguard to stop recognizing my laptop?

The free version of https://www.ccleaner.com/ works for me.

Caveat emptor - pay attention to the settings, it will do a very thorough job of cleaning if you select all the checkboxes.
by oldzey
Sat Mar 09, 2019 8:01 pm
Forum: Investing - Theory, News & General
Topic: After ten years, most of the record of the crash is gone
Replies: 41
Views: 5553

Re: After ten years, most of the record of the crash is gone

From the rock bottom on 3/6/2009, plus ten years.

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by oldzey
Fri Mar 08, 2019 9:40 am
Forum: Investing - Theory, News & General
Topic: Happy 10th Birthday Bull Market!
Replies: 34
Views: 2934

Re: Happy 10th Birthday Bull Market!

Let's hope the next decade is as bullish as the last. :sharebeer
by oldzey
Wed Mar 06, 2019 11:20 pm
Forum: Investing - Theory, News & General
Topic: "A Couple Doesn't Agree On Financial Priorities. How Can They Resolve Their Differences."
Replies: 64
Views: 7353

Re: "A Couple Doesn't Agree On Financial Priorities. How Can They Resolve Their Differences."

ChipKnox wrote:
Tue Mar 05, 2019 3:10 pm
2015 wrote:
Tue Mar 05, 2019 1:10 pm
There is nothing like a life of being blissfully single to cure this disease. 8-)
+1,000
0% couple differences works for me! :beer
by oldzey
Wed Mar 06, 2019 11:17 pm
Forum: Investing - Theory, News & General
Topic: Happy 10th Birthday Bull Market!
Replies: 34
Views: 2934

Re: Happy 10th Birthday Bull Market!

What a difference a decade makes.

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by oldzey
Sun Mar 03, 2019 6:55 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 158
Views: 15911

Re: Tributes to Jack Bogle

Adding this compilation of tributes:

Tributes to Jack Bogle (1929-2019) by Ted Aronson, Larry Siegel, Robert Huebscher, 1/30/19

https://www.advisorperspectives.com/art ... -1929-2019
by oldzey
Tue Feb 26, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 7959

Re: How often do you and your friends change engine oil?

5,000 miles. The oil isn't completely worn out, but it is a good interval to have overall preventative service performed.
by oldzey
Mon Feb 25, 2019 8:42 am
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 9596

Re: "You're More Internationally Diversified Than You (Probably) Realize"

Actually since the 40% means you have 40% international investment, you should adjust your holdings to decrease it. Mr. Bogle suggested no more than 20% foreign, so clearly this is over-weighted. You should seek out sectors that have less international exposure. (obviously not serious) Maybe I'll s...
by oldzey
Sun Feb 24, 2019 10:40 pm
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 9596

Re: "You're More Internationally Diversified Than You (Probably) Realize"

nedsaid wrote:
Sun Feb 24, 2019 7:23 pm
I drive a Toyota. Does that make me Internationally diversified?
+1

I drive a Honda.
by oldzey
Sun Feb 24, 2019 10:08 am
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 9596

Re: "You're More Internationally Diversified Than You (Probably) Realize"

Bogleheads: Morningstar is featuring an article titled: You're More Internationally Diversified Than You (Probably) Realize You're More International Diversified Than You (Probably) Realize This sentence caught my eye: Shareholders of major U.S. stock market index funds have about 40% foreign expos...
by oldzey
Sat Feb 23, 2019 12:02 pm
Forum: Investing - Theory, News & General
Topic: Two-Fund Portfolio Role Call
Replies: 67
Views: 10605

Re: Two-Fund Portfolio Role Call

I still use a two-fund portfolio, which is actually a 3-fund portfolio in disguise: viewtopic.php?f=10&t=273773

:beer
by oldzey
Sat Feb 23, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Return rejected by IRS (anyone seen "processing issues" from HR Block?)
Replies: 22
Views: 3196

Re: Return rejected by IRS (anyone seen "processing issues" from HR Block?)

bberris wrote:
Sat Feb 23, 2019 8:39 am
My return was accepted in minutes. I had no unusual forms, just 8949, ACA, 1099s ...
Ditto - no problems with H&R Block software.
by oldzey
Fri Feb 22, 2019 10:56 pm
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 9596

Re: "You're More Internationally Diversified Than You (Probably) Realize"

Taylor Larimore wrote:
Fri Feb 22, 2019 7:06 pm
Question: If a Total U.S. Stock Market Index Fund ALREADY holds the equivalent of 40% in international stocks, Why bother holding a separate international fund?
I don't bother - works for me! :beer
by oldzey
Sun Feb 17, 2019 2:33 pm
Forum: Investing - Theory, News & General
Topic: "STAY THE COURSE" by John C. Bogle -- A Gem
Replies: 27
Views: 5002

Re: "Stay The Course" -- Jack Bogle's last book -- A Gem

Thank you, Jack!

Thank you, Taylor!
by oldzey
Sun Feb 17, 2019 12:38 pm
Forum: Investing - Theory, News & General
Topic: First Vanguard Tax Form Available (and a tip)
Replies: 15
Views: 1966

Re: First Vanguard Tax Form Available (and a tip)

lostdog wrote:
Sun Feb 17, 2019 11:59 am
Doc wrote:
Sun Feb 17, 2019 8:08 am
sonosoldi3112 wrote:
Sat Feb 16, 2019 8:15 pm
For those interested .... I see that the " mid Feb" consolidated tax form hit my account in the last few hours.
Thanks, iced in. Now I have something to do today. :D
Confirmed for me too.
Roger that - my Vanguard Consolidated Form 1099 was posted today as well (Feb. 17).
by oldzey
Sun Feb 17, 2019 12:28 pm
Forum: Investing - Theory, News & General
Topic: How does your stable-value fund stack up with G Fund?
Replies: 36
Views: 2237

Re: How does your stable-value fund stack up with G Fund?

Does TIAA Traditional count as a stable value fund? TIAA TA has various vintages with various rates. 3.0% seems to be a typical floor. I would certainly say so, but it's useful to note what if any liquidity restrictions there are. Besides being a stable-value fund, TIAA Traditional can also be annu...
by oldzey
Sat Feb 16, 2019 4:22 pm
Forum: Investing - Theory, News & General
Topic: Today I learned the 4% rule has been around for hundreds of years.
Replies: 26
Views: 4261

Re: Today I learned the 4% rule has been around for hundreds of years.

Very interesting discovery - thanks for sharing, Blueskies123!
by oldzey
Sat Feb 16, 2019 3:42 pm
Forum: Investing - Theory, News & General
Topic: Split the Equity allocation 50% US / 50% International
Replies: 55
Views: 7722

Re: Split the Equity allocation 50% US / 50% International

Voted.
5) Do not allocate any equities to International.
by oldzey
Sat Feb 16, 2019 1:32 pm
Forum: Investing - Theory, News & General
Topic: First Vanguard Tax Form Available (and a tip)
Replies: 15
Views: 1966

Re: First Vanguard Tax Form Available (and a tip)

I'm awaiting my "mid February" 1099 statements from my VG brokerage account. Any idea what date is "mid February" is in Vanguard's world? Comparatively, my Fidelity 1099s were ready for download today (Feb 16) into my tax software,but no such luck for Vanguard. I really wish Vanguard would be more ...
by oldzey
Wed Feb 13, 2019 1:21 am
Forum: Investing - Theory, News & General
Topic: What Is Your Favorite Bogle Quote?
Replies: 48
Views: 2704

Re: What Is Your Favorite Bogle Quote?

"For me, simplicity has always been the key to successful investing,"

From Enough -- p. 71
by oldzey
Sun Feb 10, 2019 2:18 pm
Forum: Investing - Theory, News & General
Topic: Is Index Investing Just Betting on The U.S Economy?
Replies: 46
Views: 5261

Re: Is Index Investing Just Betting on The U.S Economy?

It was mentioned in another thread but if you had been an index investor but had your funds in another country such as Russia, U.K, India, Japan, France etc. Your results would not have been anywhere near as successful and in some cases unsusccessul. So does index investing only apply to the U.S an...
by oldzey
Sat Feb 09, 2019 9:01 pm
Forum: Investing - Theory, News & General
Topic: How "Safe" is Your Bond Fund?
Replies: 43
Views: 4103

Re: How "Safe" is Your Bond Fund?

Tiaa Traditional - safe enough for me. :beer
by oldzey
Thu Feb 07, 2019 10:15 pm
Forum: Investing - Theory, News & General
Topic: To What Degree Does Money Buy Happiness?
Replies: 107
Views: 5038

Re: Does Money Buy Happiness?

John, Paul, George, and Ringo certainly had their opinion...

Money (That's What I Want)
by oldzey
Wed Jan 30, 2019 4:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 657
Views: 74690

Re: U.S. stocks continue to soar!

Up, Up, and away!

[Distracting image removed by admin LadyGeek. Here's the link: https://i.imgur.com/Hnsmskg.jpg ]
by oldzey
Sun Jan 27, 2019 10:47 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from 2018 in the markets?
Replies: 114
Views: 7918

Re: What did you learn from 2018 in the markets?

rh00p wrote:
Sun Jan 27, 2019 10:26 pm
I learned not to watch CNBC. Again.
+1

Same goes for Yahoo Finance.
by oldzey
Sun Jan 27, 2019 2:06 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from 2018 in the markets?
Replies: 114
Views: 7918

Re: What did you learn from 2018 in the markets?

I learned (while away on my first sabbatical from academia this fall) that I am human, as it was very difficult to resist tinkering with my portfolio. During my next sabbatical (or retirement in 15-20 years), I will have to focus less on the market noise and focus more on "Staying The Course." I did...
by oldzey
Sat Jan 26, 2019 6:11 pm
Forum: Investing - Theory, News & General
Topic: What was your first Vanguard fund or ETF?
Replies: 72
Views: 2868

Re: What was your first Vanguard fund or ETF?

When I moved my Roth IRA from American Funds to Vanguard in 2004, I initially put it all into Vanguard Total Stock Market Index Fund (VTSAX).
by oldzey
Fri Jan 25, 2019 9:53 pm
Forum: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 76
Views: 3694

Re: Happy Birthday, Taylor!

grabiner wrote:
Fri Jan 25, 2019 9:36 pm
Happy 95th!
Happy Birthday, Taylor - looking forward to your 105th!
by oldzey
Sat Jan 19, 2019 8:43 pm
Forum: Investing - Theory, News & General
Topic: What is the evidence against slice and dice?
Replies: 80
Views: 8933

Re: What is the evidence against slice and dice?

Steven Dunn's remarks about slice and dice come to mind, originally found at: http://socialize.morningstar.com/NewSocialize/forums/t/162377.aspx Order of importance As a rather sluggish slice and dice type, I think that issue versus going total stock market is way down the list of what is important...
by oldzey
Sat Jan 19, 2019 1:25 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's Obituary From The Family
Replies: 48
Views: 15540

Re: Jack Bogle's Obituary From The Family

Mr. John C. Bogle - a man who truly made a positive difference in the world. RIP.

Thank you, Jack!
by oldzey
Wed Jan 16, 2019 10:24 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 50253

Re: John Bogle has died at age 89

Rest in Peace, Jack!

Thank you, Jack!