Search found 286 matches

by mindboggling
Sat Sep 14, 2019 4:54 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads, how are your three fund portfolios doing?
Replies: 21
Views: 1782

Re: Bogleheads, how are your three fund portfolios doing?

A three-fund portfolio can encompass almost any asset allocation so I don't understand what any investor's response could possibly tell you. But to answer your question, mine is doing fine.

Why are you asking?
by mindboggling
Fri Sep 13, 2019 2:56 am
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 242
Views: 13232

Re: Disciplined with finances, but not so with diet

I am a believer in the low-fat vegan diet a la John McDougall for health reasons. However, eating habits, developed in childhood, are hard to change. I've only managed to change mine a little.

5'4'', 160 lb. I'm a little fat boy!
by mindboggling
Wed Sep 11, 2019 4:28 pm
Forum: Investing - Theory, News & General
Topic: Day Trading for a Living?
Replies: 44
Views: 3704

Re: Day Trading for a Living?

RadAudit wrote:
Wed Sep 11, 2019 4:07 pm


"If the market is constantly going up, day trading is easy" :D

If the market is constantly going up, buying and holding is easy, too.
by mindboggling
Sun Sep 08, 2019 8:50 pm
Forum: Investing - Theory, News & General
Topic: "Warren Buffett's Investing Plan for His Family: Why It's a Good Plan for Your Family, Too"
Replies: 78
Views: 7804

Re: "Warren Buffett's Investing Plan for His Family: Why It's a Good Plan for Your Family, Too"

"He could put it all in pork bellies, palladium, and paper clips and be just fine." I dunno...I just don't use as many paper clips as I used to. :) That’s why there are pork bellies and palladium. It’s called diversification. :mrgreen: Yes, but it's dragging down my portfolio returns. Backtesting i...
by mindboggling
Sun Sep 08, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Going desktop-less?
Replies: 54
Views: 3328

Re: Going desktop-less?

Retired here...but I love my desktop. For years I've bought used desktops on ebay and loaded Linux on them. My current is a Lenovo with an i7 processor and SSD running Mint Linux. I also have a Lenovo laptop that I bought used. Don't use it much anymore. I also have an Acer Chromebook that I take if...
by mindboggling
Sun Sep 08, 2019 8:03 pm
Forum: Investing - Theory, News & General
Topic: "Warren Buffett's Investing Plan for His Family: Why It's a Good Plan for Your Family, Too"
Replies: 78
Views: 7804

Re: "Warren Buffett's Investing Plan for His Family: Why It's a Good Plan for Your Family, Too"

"He could put it all in pork bellies, palladium, and paper clips and be just fine."


I dunno...I just don't use as many paper clips as I used to. :)
by mindboggling
Fri Sep 06, 2019 7:41 pm
Forum: Investing - Theory, News & General
Topic: Episode 013: Bogleheads on Investing - guest Dr. Bill Bernstein, host Rick Ferri
Replies: 36
Views: 4210

Re: Episode 013: Bogleheads on Investing - guest Dr. Bill Bernstein, host Rick Ferri

I'm generally not a podcast guy...but I enjoyed it. How do some people get so smart?
by mindboggling
Wed Sep 04, 2019 7:51 pm
Forum: Personal Investments
Topic: Middle Age people with low savings need to take on more investment risk than is normal?
Replies: 52
Views: 5331

Re: Middle Age people with low savings need to take on more investment risk than is normal?

Trying to "catch up" is always dangerous. It's better to concentrate on savings rate. Fancy asset allocations aren't going to work.
by mindboggling
Mon Aug 19, 2019 5:26 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 81
Views: 9191

Re: The One-Fund Portfolio as a default suggestion

66 years old, retired.

I use the Vanguard LifeStrategy Income fund in my traditional IRA and a rollover IRA.

I use the LifeStrategy Growth fund in my Roth IRA.

In taxable, I have a legacy SP500 fund and a TSM fund for tax-loss harvesting plus a money market fund.
by mindboggling
Tue Aug 13, 2019 4:56 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 15382

Re: [Vanguard ongoing glitches, August 12-13, 2019]

Thank goodness it was only an "issue" and not a "problem".
by mindboggling
Mon Aug 12, 2019 6:57 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 15382

Re: Wellesley 56.05% drop today

It's the middle of August. The interns are in charge.
by mindboggling
Sat Jul 20, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: How much data do you have? [data backup issues]
Replies: 20
Views: 1254

Re: How much data do you have? [data backup issues]

Only about 2GB, backed up on the cloud to Dropbox and Google Drive. Also, to a memory stick.
by mindboggling
Sat Jun 29, 2019 2:18 pm
Forum: Investing - Theory, News & General
Topic: What do you hold in your IRA and Why?
Replies: 48
Views: 3552

Re: What do you hold in your IRA and Why?

66 y/o and retired.

Trad. IRA: Vanguard LifeStrategy Income (20/80), Vanguard Short-term Bond
Rollover IRA: Vanguard LifeStrategy Income (20/80)
Roth IRA: Vanguard LifeStrategy Growth (80/20)
by mindboggling
Tue Jun 25, 2019 10:34 pm
Forum: Personal Investments
Topic: Any help for a new investor? Vanguard TDF at .15%?
Replies: 4
Views: 689

Re: Any help for a new investor? Vanguard TDF at .15%?

I am retired and use Vanguard LifeStrategy funds in all my IRAs. Nothing wrong with Target Date or LifeStrategy funds in tax-deferred accounts.
by mindboggling
Sat Jun 15, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 40
Views: 2859

Re: Experience with Synchrony savings accounts?

I have had a savings account at Synchrony for several years now. Never had any problems. I have a few CDs with them, too. However, when you send them money for deposit, they sit on it for a couple of days before crediting the account. I guess that's how they make their money. Also, they are not a "f...
by mindboggling
Tue Jun 04, 2019 6:55 pm
Forum: Personal Investments
Topic: Problem at Vanguard?
Replies: 42
Views: 5412

Re: Problem at Vanguard?

OP here. I am not really concerned. It's just a bad habit I have to look. I'm a long-term investor; I rarely make a move. It was just something I noticed. Where I am (upstate NY) updates always occur at 6:30pm. I've heard that Vanguard monitors this site and it was just a reminder to them that peopl...
by mindboggling
Tue Jun 04, 2019 6:13 pm
Forum: Personal Investments
Topic: Problem at Vanguard?
Replies: 42
Views: 5412

Problem at Vanguard?

It's 7:10pm EDT and Vanguard hasn't updated my balances yet. Usually it happens at 6:30pm sharp. Anyone else notice this? My values are still from yesterday.
by mindboggling
Mon Jun 03, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: What personal finance metrics do you track?
Replies: 44
Views: 3537

Re: What personal finance metrics do you track?

I track income and expenses using Gnu-cash, a double-entry accounting program. Since most of my investments are with Vanguard, I use their website to look at the portfolio. I can also add external accounts for a more complete picture. I don't worry about investment returns or projecting future retur...
by mindboggling
Sun Jun 02, 2019 5:58 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 12840

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.

Congratulations on a sound strategy. How did you decide to have that allocation? . . or did it end up that way over time? Great info for others to benefit. Thanks for posting. j :D [/quote] I've always been a conservative investor. I was 60/40 before I left full-time work. When I moved to part-time...
by mindboggling
Sun Jun 02, 2019 5:15 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 12840

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.

66 years old, fully retired two years. Allocation: about 29% equities/71% fixed income. Trad. IRA: short-term bond + Vanguard LifeStrategy Income Rollover IRA: Vanguard LifeStrategy Income Roth IRA: Vanguard LifeStrategy Growth Taxable: Vanguard Index 500 Vanguard Total Stock Market Vanguard Federal...
by mindboggling
Sat Apr 20, 2019 3:25 pm
Forum: Investing - Theory, News & General
Topic: The Annuity Puzzle: Findings from a Recent Survey
Replies: 37
Views: 3163

Re: The Annuity Puzzle: Findings from a Recent Survey

I retired with a fixed pension. I also had a variable annuity through Vanguard that I had started many years ago. I recently annuitized it for a straight fixed monthly payment. I like to think of it as a supplement to my pension. Now I get about as much as the "long-timers" got where I worked (I was...
by mindboggling
Sat Apr 20, 2019 3:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard kicking butt with Target Date Funds
Replies: 22
Views: 5514

Re: Vanguard kicking butt with Target Date Funds

I am retired and use Vanguard LifeStrategy funds for all my IRAs (traditional, roll-over & Roth). LifeStrategy Income for the traditional & roll-over, and LifeStrategy Growth for the Roth. Love the simplicity, not having to think about re-balancing & not having to watch the individual components go ...
by mindboggling
Wed Apr 17, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: microwave that doesnt beep forever?
Replies: 24
Views: 1557

Re: microwave that doesnt beep forever?

I have a low-end GE washing machine that I have been using for 22 years.
by mindboggling
Sun Apr 07, 2019 7:42 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Expected Vs. Realized Returns
Replies: 77
Views: 6045

Re: Larry Swedroe: Expected Vs. Realized Returns

All the more reason to minimize one's allocation to equities in retirement unless one intends never to use those assets during one's lifetime (legacy motive). I can't believe that 50/50 is considered conservative in many circles.
by mindboggling
Sun Mar 31, 2019 7:55 pm
Forum: Personal Investments
Topic: Good idea to change the expected real returns in my model
Replies: 47
Views: 1864

Re: Good idea to change the expected real returns in my model

Time Lord...I think you should consider working a few more years. Just to be on the safe side! :D
by mindboggling
Fri Mar 29, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 15533

Re: How often do you check your net worth?

Almost all of my net worth is my investment portfolio. Most of that is with Vanguard except for a high-yield savings account and a Treasury Direct account for I-bonds. You'd laugh if you knew how little my house is worth. So, it's easy to get a ballpark figure. No spreadsheets or projections, althou...
by mindboggling
Mon Mar 18, 2019 7:47 pm
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 11837

Re: What is your U.S./ex-U.S. stock allocation?

My stock allocation is about 20% ex-US.
by mindboggling
Sat Mar 16, 2019 6:09 pm
Forum: Personal Investments
Topic: Which bond fund to use in taxable?
Replies: 23
Views: 2321

Re: Which bond fund to use in taxable?

If I buy treasuries from Treasury Direct or using say Vanguard, how easy is it to sell when I want to re-balance? If you buy a Treasury at Treasury Direct, you cannot sell it through Treasury Direct. You must hold it to maturity. If you want to sell it before it matures, you must transfer it to a b...
by mindboggling
Thu Mar 14, 2019 11:34 pm
Forum: Personal Investments
Topic: Risk averse portfolio for an early retiree?
Replies: 45
Views: 4783

Re: Risk averse portfolio for an early retiree?

I agree with krebs above. It's more important to preserve what you have than to strive to get even more. I'm 65, have less than 3.5 million (a lot less, actually) and my equity allocation is just under 30%. FireCalc and other predictors show little difference in outcome for higher stock allocations....
by mindboggling
Wed Mar 13, 2019 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 7121

Re: How many companies have you worked for?

Graduated college in 1975.
1st job: 2 years
2nd job: 2 years
3rd job: 3 years
4th job: 2 years
5th job: 4 years
6th job: 3 years
7th job: 23 years

all television/broadcast industry

retired now, thank goodness
by mindboggling
Mon Mar 11, 2019 9:24 pm
Forum: Personal Consumer Issues
Topic: Things to do in Maine
Replies: 72
Views: 6184

Re: Things to do in Maine

Read the 1985 novel "The Beans of Egypt Maine" by C. Chute.
by mindboggling
Fri Mar 01, 2019 8:07 pm
Forum: Investing - Theory, News & General
Topic: Is the market smarter than Vanguard Target funds?
Replies: 9
Views: 1662

Re: Is the market smarter than Vanguard Target funds?

At the age of 65 I'm comfortable with a 30% allocation to equities. FireCalc shows little difference compared to 40 or 50 percent allocations, so why take the extra risk?

I guess I'm just not cut out to be a swashbuckling equity pirate like many here.
by mindboggling
Thu Feb 28, 2019 9:42 pm
Forum: Investing - Theory, News & General
Topic: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces
Replies: 91
Views: 7476

Re: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces

I've been fully-retired for about 2.5 years. My retirement strategy is having three income streams: SS, fixed pension, self-purchased fixed annuity. It more than covers my current expenses and I invest the excess. I also have an investment portfolio that is about 29% equities/71% fixed. I continue t...
by mindboggling
Thu Feb 28, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: Home DIY - increasingly complex repairs and cost savings by DIY
Replies: 38
Views: 3200

Re: Home DIY - increasingly complex repairs and cost savings by DIY

For the last 20 years I've done my own oil burner maintenance. Every year replace the input oil filter, nozzle, electrodes, brush out fins, clean inside of boiler. I've also replaced a circulator motor and installed two chamber kits (the insulation inside the boiler).
by mindboggling
Thu Feb 28, 2019 5:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 59789

Re: Discontinuing VanguardAdvantage Accounts

As a long-time Vanguard investor, I never signed up for Advantage. I've always preferred to keep banking and investing separate. I would never invest through a bank or visa versa. I wonder if the same people who love "one stop shopping" for all their money needs are the same ones who avoid SPIAs for...
by mindboggling
Mon Feb 25, 2019 11:00 pm
Forum: Personal Investments
Topic: Theory: NOW is the Best Time for Total World Stock
Replies: 145
Views: 18397

Re: Theory: NOW is the Best Time for Total World Stock

Just to clarify, according to Vanguard my equity allocation is about 22 percent international. I'm OK with that.
by mindboggling
Mon Feb 25, 2019 9:37 pm
Forum: Personal Investments
Topic: Theory: NOW is the Best Time for Total World Stock
Replies: 145
Views: 18397

Re: Theory: NOW is the Best Time for Total World Stock

Does the OP recommend this strategy for older US investors with a shorter a time frame? I'm almost 66 and have no legacy motive. If I'm lucky, I'll have 20 good years left. How far, in your imagination, will the US decline in 20 years? The British Empire pretty much ended around 1900 and the remnant...
by mindboggling
Sun Feb 24, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Who does their own taxes?
Replies: 111
Views: 7753

Re: Who does their own taxes?

I've always done my own taxes.

I used FreeTaxUSA this year for the first time. No problems. Did tax loss harvesting, itemized deductions.

Tax Act just became too expensive.
by mindboggling
Tue Feb 19, 2019 6:17 pm
Forum: Personal Investments
Topic: “Won the Game” how do you know?
Replies: 96
Views: 8439

Re: “Won the Game” how do you know?

If you won the game as stated above, should that won money be put into safe place like a CD, bonds or a SPIA? Paul I also wonder that? Let’s say you hit your number, do you adjust allocation to protect the money or keep investing for the long term? That's part of the problem with the whole "won the...
by mindboggling
Wed Feb 13, 2019 9:34 pm
Forum: Investing - Theory, News & General
Topic: How much Fixed Income on the day you retire?
Replies: 76
Views: 5572

Re: How much Fixed Income on the day you retire?

TimeLord...I don't think you should ever retire. Work as long as you possibly can. You won't have to worry about how much your have or need or what you might be missing out on monetarily.
by mindboggling
Mon Feb 11, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: Best ways to provide STRUCTURE to retired life
Replies: 71
Views: 5761

Re: Best ways to provide STRUCTURE to retired life

Need structure in your life? Get a job. Some people never learn.
by mindboggling
Mon Feb 11, 2019 8:41 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard cuts expected stock market returns over the next decade]
Replies: 26
Views: 3363

Re: [Vanguard cuts expected stock market returns over the next decade]

I'm not sure I understand why anyone cares what Vanguard thinks. Are you desperately searching for some hidden nugget of wisdom that will help you optimize your portfolio and pave the way to untold riches?

I'm there for the low-cost index funds and the allegedly conflict-free corporate structure.
by mindboggling
Fri Feb 08, 2019 8:31 pm
Forum: Investing - Theory, News & General
Topic: Consensus on I Bonds for 2019?
Replies: 67
Views: 12084

Re: Consensus on I Bonds for 2019?

I buy my 10k limit in January regardless. Not worth trying to predict interest rates. Not worth trying to over-think this.
by mindboggling
Sun Feb 03, 2019 12:16 am
Forum: Personal Investments
Topic: What do wise people do with 401(k) balances?
Replies: 35
Views: 4755

Re: What do wise people do with 401(k) balances?

When I retired at age 60 I rolled my Fidelity-managed 401k to a Vanguard IRA, mainly to consolidate. Most of my life savings was already at Vanguard. The 401k had some low-cost index funds plus other funds so it wasn't really a bad plan. Also, it felt good to make a complete break with the company I...
by mindboggling
Thu Jan 31, 2019 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 11257

Re: Were you 100% debt free at retirement

Yes...100% debt-free and had been for a bunch of years before retiring. Upcoming expenses at the time: new heating system for the house, new roof for the house, new car once in a while. All mentally accounted for and affordable.
by mindboggling
Thu Jan 31, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Yubikey and Linux
Replies: 2
Views: 383

Yubikey and Linux

For a while now I've been trying unsuccessfully to set up 2FA (2-factor authentication) with Vanguard using the Yubikey on a Linux computer system. I finally got it to work. If you've been having trouble getting the Yubikey to work on a Linux system try this: Make sure there is a file called "70-u2f...
by mindboggling
Sat Jan 19, 2019 11:55 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 8633

Re: What is a Boglehead funeral/burial?

Is it true that Boglehead coffins have a special pocket inside for our financial data?

That way we can make sure that our finely tuned, optimized portfolios keep running like a well-oiled machine. You can't trust the cloud, so use a memory stick or CD (encrypted).
by mindboggling
Thu Jan 17, 2019 8:04 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 53898

Re: John Bogle has died at age 89

So sad, a true pioneer has passed. I've been a Vanguard investor since 1987.

I think a lot of crocodile tears are being shed by the financial services industry.

BTW, am I the only one who thinks that 'Tim' Buckley looks too much like Tom Brokaw to be trusted?

S
by mindboggling
Sun Jan 13, 2019 2:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Asset Mix Chart [Vanguard website shows incorrect asset allocation]
Replies: 16
Views: 1261

Vanguard Problem?

Has anyone checked their Asset Mix on Vanguard lately? From the Accounts Overview page, click on the Asset Mix tab. This will bring up your asset allocation as percentages of stocks, bonds, short-term reserves. Yesterday (Saturday) I noticed that the percentages were way off, with a large percentage...
by mindboggling
Fri Dec 14, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?
Replies: 80
Views: 5738

Re: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?

In response to the perennial question as to whether one can retire yet, I'd say:

If the price of toilet paper matters, then no.

Maybe one more year?