Search found 732 matches

by oldzey
Mon Dec 11, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 27
Views: 2550

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

Thanks for the heads-up on this deal, TVBogle!

I'm looking forward to using H&R Block for the first time.
by oldzey
Sat Dec 02, 2017 7:59 pm
Forum: Investing - Theory, News & General
Topic: Investment Portfolio Tracking & Spreadsheets
Replies: 35
Views: 2835

Re: Investment Portfolio Tracking & Spreadsheets

For my needs, which are pretty simple, MS Excel does the job.
by oldzey
Sat Dec 02, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix the sleep mix or 80/20 mix
Replies: 38
Views: 3476

Re: Is 60/40 mix the sleep mix or 80/20 mix

https://s8.postimg.org/5bc6oyz5x/33vdb9f.jpg-3.png According to this chart, an aggressive investor can sleep well at 80% up to age 54. A conservative investor would start feeling restless at age 27. An aggressive investor could sleep well at 60% up to age 64, but even an aggressive investor would s...
by oldzey
Fri Dec 01, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix the sleep mix or 80/20 mix
Replies: 38
Views: 3476

Re: Is 60/40 mix the sleep mix or 80/20 mix

I'm at 80% Equities/20% Fixed Income.

My formula is Age-30 = % in fixed income, which somewhat follows Charles Ellis' recommendation: https://www.kiplinger.com/article/inves ... folio.html
by oldzey
Mon Nov 27, 2017 11:49 pm
Forum: Investing - Theory, News & General
Topic: CNBC says Vanguard says 70% Chance of "Correction"
Replies: 63
Views: 7742

Re: CNBC says Vanguard says 70% Chance of "Correction"

FIREchief wrote:
Mon Nov 27, 2017 11:18 pm
Sweet!!! Hopefully just in time for my January 2018 Roth conversions! I really like saving 10% on taxes. 8-)
+1 for January 2018 equities to be on sale to fund my 20 year old Roth IRA (est. 1998)! :beer
by oldzey
Mon Nov 27, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: CNBC says Vanguard says 70% Chance of "Correction"
Replies: 63
Views: 7742

Re: CNBC says Vanguard says 70% Chance of "Correction"

Toons wrote:
Mon Nov 27, 2017 12:46 pm
Whew,
It is about time.
Great Opportunity to pick up shares at lower prices :)
Yup, it's been a while since the last sale on cat food. :P
by oldzey
Sun Nov 26, 2017 11:09 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 201
Views: 33107

Re: Bonds - Throw it all on the table!!!

1) List the bond funds, individual bonds, CD's, etc. that you invest in I invest in a TIAA Traditional Annuity - Retirement Annuity . 2) In which account what fixed income securities are held My TIAA Traditional Annuity - Retirement Annuity is held in a 403b Defined Contribution Retirement Plan. 3)...
by oldzey
Sun Nov 19, 2017 11:55 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 91
Views: 13215

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Thank you for the update, Taylor!

I look forward to adding "The Bogleheads' Guide to The Three-Fund Portfolio" to my bookshelf and/or Kindle next year!

Best,
oldzey
by oldzey
Mon Nov 13, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3433

Re: What's your weighted average expense ratio?

0.0425% ER overall across 403b, Roth, and Taxable accounts.
by oldzey
Wed Nov 08, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: Investment Books & Your Library
Replies: 36
Views: 2649

Re: Investment Books & Your Library

I've given away many books over the years. Kindle helps to control that somewhat.

Here's the current state of my investment/financial library: https://www.dropbox.com/sh/e4bippt9nkka ... gG5Ea?dl=0
by oldzey
Sun Nov 05, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman on newest edition of “The Little Book of Common Sense Investing”
Replies: 22
Views: 3153

Re: Paul Merriman on newest edition of “The Little Book of Common Sense Investing”

Snarly, I concur with Paul that you have successfully coined the term, "Arrow Portfolio" - and I do like your interpretation of it! :D My Arrow Portfolio is not quite as aggressive as Mr. Buffett's (I have more feathers), but it's still pretty aggressive for age 50: 80% Vanguard Total Stock Market I...
by oldzey
Sun Nov 05, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: "Probably the World's Best Investment Forum"
Replies: 34
Views: 4838

Re: "Probably the World's Best Investment Forum"

The Little Forum of Common Sense Investing.
by oldzey
Tue Oct 31, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: 2-fund vs. 3-fund
Replies: 26
Views: 2597

Re: 2-fund vs. 3-fund

2-fund is simple, cheap, and is what I do: 80% VTSAX (0.04% ER) and 20% TIAA Traditional (0.00% ER).
by oldzey
Sun Oct 29, 2017 8:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard all equity portfolio
Replies: 44
Views: 10601

Re: Vanguard all equity portfolio

There's a link for Four Buy-and-Hold Portfolios on Merriman's site: http://www.fundadvice.com/fehtml/bhstrategies/0006a.html Any suggestions for an ideal all equity portfolio @ Vanguard? I have 100K to begin with. Thanks, Vic My suggestion for an ideal all equity portfolio at Vanguard would be only...
by oldzey
Sun Oct 29, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: Thaler's Misbehaving: The Making of Behavioral Economics - FREE*
Replies: 10
Views: 698

Re: Thaler's Misbehaving: The Making of Behavioral Economics - FREE

Bud wrote:
Sun Oct 29, 2017 11:43 am
You need to be a prime member to have access to the free download...
Yup, be careful if you're not a prime member and have 1-click ordering turned on (like me).

Should be an interesting read, but I should have read the fine print before clicking. :D
by oldzey
Mon Oct 23, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds at Age 50?
Replies: 17
Views: 1693

Re: Bonds at Age 50?

Age 50 (next month) and I'm 80/20 (per Charles Ellis' recommendation).
by oldzey
Mon Oct 23, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: Over 50 catch up-calendar year or birth date?
Replies: 4
Views: 401

Re: Over 50 catch up-calendar year or birth date?

I turn 50 next month and I've been making catchup contributions since January.

Had to call my HR department a few times before they finally got it implemented correctly, though.
by oldzey
Sun Oct 22, 2017 11:12 am
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Jack, Taylor and Mel!!
Replies: 27
Views: 2921

Re: Thank you Jack, Taylor and Mel!!

Thank you!

You can "support this site" to show your thanks, too! :D
by oldzey
Sun Oct 22, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Best way to Improve TIAA 403b R1
Replies: 15
Views: 1154

Re: Best way to Improve TIAA 403b R1

I think the OP problem is that his/her institution does not have this particular class of mutual fund. Each institution has set up its own contract with TIAA and likely has a different set of funds available. Agreed - it would be helpful if the OP could post all the available funds and ERs in his/h...
by oldzey
Sat Oct 21, 2017 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to Improve TIAA 403b R1
Replies: 15
Views: 1154

Re: Best way to Improve TIAA 403b R1

The TIAA Equity Index Fund is a good substitute for the Vanguard Total Stock Market Index Fund . I use it in my 403b, and I have the Institutional Class ( TIEIX ). Expense Ratios (%) Retail: 0.34 Retirement: 0.30 Premier: 0.20 Advisor: 0.14 Institutional: 0.05 The TIAA Equity Index Fund is usually o...
by oldzey
Sat Oct 21, 2017 10:39 pm
Forum: Investing - Theory, News & General
Topic: Revised Version The Little Book of Common Sense...
Replies: 31
Views: 3991

Re: Revised Version The Little Book of Common Sense...

Also received the notice and confirmed that I will wait however long it takes. Any way to get a signed copy? :) Attend Bogleheads 2018. They had copies of the new version for us to purchase this year ($10) and Jack was gracious-enough to sign them. Wow - what a super keepsake from the conference! I...
by oldzey
Sat Oct 21, 2017 9:32 pm
Forum: Investing - Theory, News & General
Topic: Hilarious Q&A with Charlie Munger
Replies: 4
Views: 2353

Re: Hilarious Q&A with Charlie Munger

That See's peanut brittle is some super-addictive stuff. I ordered a 1.5 lb. box and it was gone in about 3 days - yikes! :shock:

http://www.sees.com/peanut-brittle/200370.html
by oldzey
Sat Oct 21, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: TIAA Trouble [NY Times: TIAA pushes clients to high fee products]
Replies: 50
Views: 4702

Re: TIAA Trouble

I like my TIAA 403b. 1. TIAA Traditional - aka the fixed income / stable value portion of my portfolio. 2. TIEIX - total market U.S. index fund at 0.05% ER. 3. I have no need for a 403b loan: I have an emergency fund. But, our university HR reps always mention those loans whenever I contact them. I ...
by oldzey
Fri Oct 20, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 175
Views: 18120

Re: Does anyone here with net worths north of $1 mil use financial advisors?

"Act as if every broker, insurance salesman, mutual fund salesperson, and financial advisor you encounter is a hardened criminal, and stick to low-cost index funds, and you'll do just fine." -- William J. Bernstein, 2014, from If You Can: How Millennials Can Get Rich Slowly
by oldzey
Thu Oct 19, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 27355

Re: Sitting on cash....Waiting for a crash

oldzey wrote:
Mon Mar 20, 2017 2:12 pm
Sitting on cash....Waiting for a crash....

Need some music to set to these lyrics....

Something like:

https://www.youtube.com/watch?v=5cvEVivHVsU
This music would work too (appropriately titled, too): https://www.youtube.com/watch?v=FFDYuO53BUk
by oldzey
Thu Oct 19, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: "Investment Lessons From The 21st Century"
Replies: 16
Views: 2155

Re: "Investment Lessons From The 21st Century"

I won't live for 214 years, but I like this chart of the 19th, 20th, and 21st centuries for contrast/comparison:

Source (page 6): https://www.cfasociety.org/sandiego/Lin ... 17-CFA.pdf

Image
by oldzey
Tue Oct 17, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: Gold ETF
Replies: 32
Views: 3305

Re: Gold ETF

Investment vs. speculation. Productivity vs. price.

Warren Buffett has a good story about gold: https://www.youtube.com/watch?v=YuJBMVz5DLQ
by oldzey
Mon Oct 16, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: 30th Anniversary of October 19, 1987 stock market crash
Replies: 36
Views: 3144

Re: 30th Anniversary of October 19, 1987 stock market crash

October 20th must have been a great day to TLH. :twisted:
by oldzey
Sun Oct 15, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle, The Only Way To Beat The Stock Market
Replies: 5
Views: 2478

Re: Jack Bogle, The Only Way To Beat The Stock Market

The best part for me was at the 24:09 mark: https://www.youtube.com/watch?v=EC8rWTGZhak#t=24m09s

I'm with Jack - the Total (U.S.) Stock Market Index Fund is the only Vanguard fund I use in my portfolio.
by oldzey
Fri Sep 29, 2017 11:21 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 15687

Re: Why do you LBYM? Why do you save and invest?

oldzey wrote:
Thu Sep 28, 2017 11:58 pm
I sleep well at night knowing that I'm a saver and not a spender.
...and the fear of this happening:

Image

I heard plenty of my relatives' stories about the Great Depression while I was growing up.
by oldzey
Thu Sep 28, 2017 11:58 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 15687

Re: Why do you LBYM? Why do you save and invest?

I sleep well at night knowing that I'm a saver and not a spender.
by oldzey
Sat Sep 16, 2017 10:51 pm
Forum: Investing - Theory, News & General
Topic: "36 Obvious Investment Truths"
Replies: 18
Views: 2874

Re: "36 Obvious Investment Truths"

Thanks for sharing, Lobster!

I like 16 and 17:
Ben Carlson wrote: 16. If you invest in index funds you cannot outperform the market.

17. If you invest in active funds there’s a high probability you will underperform index funds.
by oldzey
Sun Sep 10, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 73
Views: 36629

Re: Can't freeze credit at Experian?

I was able to freeze Experian and Equifax online. I was at the last step of my transaction for TransUnion - entered my CC # and pushed the button. It told me something was wrong and to call their customer service #. So I called the TransUnion customer service #, entered my CC# again, and the automat...
by oldzey
Sun Sep 10, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 70
Views: 30337

Re: Is a security freeze at Innovis really needed?

I froze all 5 (Equifax, Experian, TransUnion, Innovis, & ChexSystems).

:sharebeer
by oldzey
Sat Sep 02, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1617
Views: 289514

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

Up 9.70% as of 9/1/17

AA 80% VTSAX & TIEIX: 20% TIAA Traditional
by oldzey
Sat Sep 02, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: Do you reinvest your dividends/capital gains?
Replies: 76
Views: 9501

Re: Do you reinvest your dividends/capital gains?

Here's what I do:

Tax-advantaged (Roth IRA): reinvest dividends/capital gains

Tax-deferred (403b): reinvest dividends/capital gains

Taxable (brokerage): dividends/capital gains sent to checking account
by oldzey
Thu Aug 24, 2017 11:49 pm
Forum: Investing - Theory, News & General
Topic: John Bogle video (discusses international)
Replies: 44
Views: 4314

Re: John Bogle video (discusses international)

Great video!

Thank you, Jack!
by oldzey
Tue Aug 22, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1115543

Re: U.S. stocks in freefall

Serious question: Why is this topic still open? It is open for those who have eyes to see and ears to hear. Know the truth, the truth shall make you free. And the truth is that this could happen tomorrow (making this open topic about U.S. Stocks more popular): https://dl.dropboxusercontent.com/u/56...