Search found 790 matches

by oldzey
Sat Feb 10, 2018 7:52 pm
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 3012

Re: Black Theme for Site?

In Firefox, you can also go to Tools>Add-ons>Themes and enable the "Dark" theme.

Here's what it looks like when it's enabled, along with the Dark Background and Light Text add-on.

Image

Much easier on the eyes. 8-)
by oldzey
Sat Feb 10, 2018 10:53 am
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 3012

Re: Black Theme for Site?

by oldzey
Fri Feb 09, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266460

Re: U.S. stocks in freefall

Stay the course, HAL.

Image
by oldzey
Mon Feb 05, 2018 11:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266460

Re: U.S. stocks in freefall

100 pages of freefalling - woo hoo! :sharebeer

https://www.youtube.com/watch?v=1lWJXDG2i0A
by oldzey
Mon Feb 05, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266460

Re: "Vanguard.com is down"

Taylor Larimore wrote:
Mon Feb 05, 2018 4:09 pm
eye.surgeon wrote:
vanguard.com is down..
Probably a good thing. :wink:
The most important single piece of advice I can give you: Stay-the-course. -- John Bogle.
Best wishes
Ta;ylor
I need to frame this and put it on my wall.
by oldzey
Mon Feb 05, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 245
Views: 190327

Re: A time to EVALUATE your jitters

100% stocks anyone? 8-)
by oldzey
Mon Feb 05, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266460

Re: U.S. stocks in freefall

Happy Monday!

Image
by oldzey
Fri Feb 02, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266460

Re: U.S. stocks in freefall

Image

What, me worry?
by oldzey
Wed Jan 31, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266460

Re: U.S. stocks in freefall

With regard to your long-term concerns, I'll just say this: "2001: A Space Odyssey." Add to this: 1997: the launch of the Jupiter 2 2010: Dr. Chandra goes to Jupiter and the Discovery to resuscitate HAL 2015: Marty McFly, his girlfriend Jennifer, and Dr. Emmett Brown arrive from the year 1985 Nobod...
by oldzey
Wed Jan 31, 2018 12:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266460

Re: U.S. stocks in freefall

by oldzey
Fri Jan 26, 2018 7:10 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4128

Re: Happy Birthday, Taylor!

Happy Birthday, Taylor!

Best,
oldzey
by oldzey
Mon Jan 22, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: jlcollinsnh - Stock Series
Replies: 9
Views: 1056

Re: jlcollinsnh - Stock Series

I enjoy JL Collins' book and website. Useful stuff.
by oldzey
Mon Jan 22, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: The regular investor can now trade the stock market 24 hours a day with TD Ameritrade
Replies: 48
Views: 3099

Re: The regular investor can now trade the stock market 24 hours a day with TD Ameritrade

Taylor Larimore wrote:
Mon Jan 22, 2018 1:23 pm
triceratop wrote:Taylor, there must be some misunderstanding. This will allow one to trade at night. If day trading is for losers, then what does that make night traders?
Double losers.

Best wishes.
Taylor
+1 Great answer. :D
by oldzey
Sun Jan 21, 2018 11:35 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 82
Views: 4888

Re: Post Your Morningstar Box Style

Be award of Morningstar's data presentation differences between equities and bonds. Equities show the weights in each of the six boxes but for bonds it is only the fund average. Here is a M* Xray for ~equal parts Vg TBM and TSM. https://s10.postimg.org/f4li57ktl/Xray_Capture.png (Edited to fix typo...
by oldzey
Sat Jan 20, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 169
Views: 31622

Re: What's your U.S. : International ratio?

100-0 All U.S. Portfolio! I followed Jack's advice and get my international through the S&P or Total Market Index. The accidental tourist if you will. +1 same here. Huh. So how much US exposure do you reckon you'd get by investing in Toyota, Samsung, Tencent, Mercedes Benz, etc. in their currencies...
by oldzey
Sat Jan 20, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 169
Views: 31622

Re: What's your U.S. : International ratio?

100-0 All U.S. Portfolio! I followed Jack's advice and get my international through the S&P or Total Market Index. The accidental tourist if you will. +1 same here. Huh. So how much US exposure do you reckon you'd get by investing in Toyota, Samsung, Tencent, Mercedes Benz, etc. in their currencies...
by oldzey
Sat Jan 20, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 169
Views: 31622

Re: What's your U.S. : International ratio?

stemikger wrote:
Sat Jan 20, 2018 7:57 am
100-0

All U.S. Portfolio! I followed Jack's advice and get my international through the S&P or Total Market Index. The accidental tourist if you will.
+1 same here.
by oldzey
Sun Jan 14, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 176
Views: 18689

Re: What's your asset allocation and why?

What's my asset allocation...
70% ± 5% Equities: TIEIX (403b GSRA), VTSAX (Roth IRA), VTSAX (Brokerage).
30% ± 5% Fixed Income: TIAA Traditional (403b GSRA & RA).

... and why?
Asset Allocation Formula: 120 – Age = % Equities (120 – 50 years old = 70% Equities).
by oldzey
Sat Jan 13, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 17445

Re: How does everyone keep track of your portfolio?

Microsoft Excel is my account aggregator.
by oldzey
Thu Jan 11, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone using personalcapital.com company?
Replies: 6
Views: 439

Re: Is anyone using personalcapital.com company?

Yes, there are many discussions on the board about this topic: Typing "personal capital" into the search box (upper right hand corner of this page) yields some of the following results: https://www.bogleheads.org/forum/viewtopic.php?t=233892 https://www.bogleheads.org/forum/viewtopic.php?t=227066 ht...
by oldzey
Thu Jan 11, 2018 1:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266460

Re: U.S. stocks in freefall

OK, back on track, folks...

Image
by oldzey
Wed Jan 10, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 210
Views: 23965

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

Looks like Warren Buffett concurs with Jack:

"We don't own any, we're not short any, we'll never have a position in them,"

https://www.cnbc.com/2018/01/10/buffett ... badly.html
by oldzey
Mon Jan 08, 2018 1:57 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8989

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

Maybe an "Off-Topic" section could be created/designated for such "Instaface alternative" posts (and as an area to move such posts).

I'd also wonder how many of those posts are contributing to the board's record number of posts in a day.
by oldzey
Sun Jan 07, 2018 10:52 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 6096

Re: Misuse of adverse when averse was meant

Once you learnt good English, you ain't never gonna forget.
by oldzey
Sun Jan 07, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA traditional is compounded daily, but not at the displayed crediting rate
Replies: 25
Views: 1019

Re: TIAA traditional is compounded daily, but not at the displayed crediting rate

Yes, you all can now explain APY and APR to livesoft. Thanks. I guess that with a bond fund, the SEC yield is not an APY, while with an Ally savings account, the expressed interest rate is APY. TIAA traditional is neither a bond fund nor a savings account, so I'm not sure what I expected. I'm still...
by oldzey
Sun Jan 07, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: TIAA- Index funds
Replies: 5
Views: 539

Re: TIAA- Index funds

Here are 3 examples of low-ER TIAA index funds that might be offered in your plan: TIAA-CREF Equity Index Fund TIAA-CREF International Equity Index Fund TIAA-CREF S&P 500 Index Fund Note that the ER will vary with the class of your plan's fund (e.g. Retail, Retirement, Premier, Advisor, Institutiona...
by oldzey
Sat Jan 06, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA traditional is compounded daily, but not at the displayed crediting rate
Replies: 25
Views: 1019

Re: TIAA traditional is simple interest, not compounded

Hmmm... I thought the interest was compounded daily.

Here's a link to an old publication that I've uploaded to my Dropbox (which is no longer on the TIAA website, at least that I can find):

CALCULATING TIAA TRADITIONAL ANNUITY EARNINGS 2005
by oldzey
Fri Jan 05, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: So ambitious w/ money but so risk-averse
Replies: 31
Views: 3160

Re: So ambitious w/ money but so risk-averse

Depending on your savings rate, financial freedom could be sooner than you think:

The Shockingly Simple Math Behind Early Retirement

When can I retire?
by oldzey
Fri Jan 05, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: 3 or 4-fund portfolio in TIAA-CREF 401(a) help
Replies: 6
Views: 556

Re: 3 or 4-fund portfolio in TIAA-CREF 401(a) help

There is more than one road to Dublin. Some excellent options provided by CyclingDuo - thank you! I agree that TREA has a high ER (that's why I dropped it from my portfolio). However, it is unique in that it provides direct ownership of CRE. Here's a little information about TIAA Traditional vs. Bon...
by oldzey
Thu Jan 04, 2018 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: 3 or 4-fund portfolio in TIAA-CREF 401(a) help
Replies: 6
Views: 556

Re: 3 or 4-fund portfolio in TIAA-CREF 401(a) help

You're welcome!

Take a peek at the M* TIAA Funds Forum to help decipher some of the T-C acronyms & terms, such as MDO, TPA, TRAD, TREA, and vintages.

Cheers,
Oldzey
by oldzey
Thu Jan 04, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: 3 or 4-fund portfolio in TIAA-CREF 401(a) help
Replies: 6
Views: 556

Re: 3 or 4-fund portfolio in TIAA-CREF 401(a) help

Welcome to the forum, tross78! Here's my suggestion for a 3 fund portfolio at age 30: 45% TIAA Access S&P 500 Index Fund T1 45% TIAA Access International Equity Index Fund T1 10% TIAA Traditional (in place of bonds) If you want Real Estate (4 fund portfolio), then maybe something like: 40% TIAA Acce...
by oldzey
Thu Jan 04, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: DOW breaks 25,000 for first time ever
Replies: 55
Views: 5640

Re: DOW breaks 25,000 for first time ever

Dow 36,000 - coming soon to a broker near you!
by oldzey
Mon Jan 01, 2018 11:13 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 144
Views: 8761

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

2986.42 (also posted via the Google Form)

Thanks!
by oldzey
Mon Jan 01, 2018 4:58 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1752
Views: 312246

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

Up 14.78% for 2017

70% Equities (VTSAX & TIEIX)
30% TIAA Traditional (RA & GSRA)

:sharebeer
by oldzey
Sun Dec 31, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 13138

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

  • Live with integrity.
  • Make a positive difference in the lives of others.
  • Commit yourself to constant self-improvement.
  • Always remember the Golden Rule.
by oldzey
Sun Dec 31, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 719
Views: 188900

Re: Share your net worth progression

12/31/2014: $70,639
12/31/2015: $104,133
12/31/2016: $152,362
12/31/2017: $211,738
by oldzey
Sun Dec 31, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Looking to vacation in San Diego
Replies: 16
Views: 1198

Re: Looking to vacation in San Diego

I was in San Diego in 2014 for a conference. Stayed at the Sheraton San Diego Hotel & Marina, which was OK. In 2008, I stayed with my family at the Paradise Point Resort & Spa, which was OK too. As mentioned in this post and others, there are many, many things to do in San Diego. I'll add one to the...
by oldzey
Sat Dec 30, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: Before buying gold, have a look at these returns since 1975
Replies: 84
Views: 6785

Re: 43 years of Gold returns vs. Cash vs. U.S. stocks

And here's what it looks like over 215 years: https://i.imgur.com/Lfz641C.png Source (page 6): https://www.cfasociety.org/sandiego/Linked%20Files/Presentations/WETF-Feb-2017-CFA.pdf And here's a short quote from WB on gold: https://www.youtube.com/watch?v=3ncS59taPkg Hooray - I don't buy gold, eithe...
by oldzey
Sun Dec 24, 2017 11:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 8458

Re: My Christmas Present to You

Merry Christmas, Bogleheads! 8-)