Search found 407 matches

by mindboggling
Thu May 21, 2020 7:54 pm
Forum: Investing - Theory, News & General
Topic: Who's right about the future? Stock or Bond market?
Replies: 50
Views: 4409

Re: Who's right about the future? Stock or Bond market?

Split the difference and buy some of both.
by mindboggling
Sat May 16, 2020 10:47 pm
Forum: Personal Consumer Issues
Topic: How did you feel after giving notice to retire?
Replies: 52
Views: 4286

Re: How did you feel after giving notice to retire?

I retired in two stages. I was a full-time, union-represented staff employee. I was offered a buy-out in 2013 and took it. Three days later I was back as a part-time daily-hire working two 12-hour shifts on the weekends. Did that for three years and then quit for good. No regrets. The company was al...
by mindboggling
Tue May 12, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6584

Re: Has Your Spending Changed Since The Shutdown?

I used to go out to breakfast a lot. Now I can't. Had to go back to cooking at home :-( .
by mindboggling
Mon May 11, 2020 7:59 pm
Forum: Personal Investments
Topic: Schwab and Fractional Shares for ETFs
Replies: 3
Views: 314

Schwab and Fractional Shares for ETFs

I was text messaging with a Schwab rep this evening and he said that fractional shares of ETFs will be available starting June 9. Just thought I'd pass that along.
by mindboggling
Sat May 09, 2020 7:15 pm
Forum: Investing - Theory, News & General
Topic: I am always slightly disappointed with my AA
Replies: 48
Views: 3518

Re: I am always slightly disappointed with my AA

It's so sad when a persnickety boglehead can't maximize their optimization :D .
by mindboggling
Mon May 04, 2020 7:26 pm
Forum: Investing - Theory, News & General
Topic: Uh, Cramer? [urging us to dump S&P 500 index funds]
Replies: 15
Views: 2177

Re: Uh, Cramer? [urging us to dump S&P 500 index funds]

Does the OP have a question or something? Or are we just a link-farm for mass media clickbait?
by mindboggling
Mon May 04, 2020 7:19 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5084

Re: Where do you back up your important data?

I've been using Dropbox's free level for some years. I back it up now and then to Google Drive.
by mindboggling
Mon May 04, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Keep debit card locked at all times?
Replies: 36
Views: 2729

Re: Keep debit card locked at all times?

I don't know what kind of account you have at Chase, but recently I exchanged my Chase debit card for an ATM-only card. They had to issue a whole new card because of the VISA logo on the debit card. I live in New York State. I didn't know one could lock/unlock a debit card with the mobil app. I migh...
by mindboggling
Mon Apr 27, 2020 8:23 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4383
Views: 1251728

Re: What Book Are You Currently Reading? Part VI

"A Gentleman In Moscow" by Amor Towles. His first novel "Rules of Civility" is good, too.
by mindboggling
Tue Apr 21, 2020 3:54 pm
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 78
Views: 6806

Re: For those concerned about International Stocks...

Nowadays, electronics manufacturers often supply a universal power supply for many products that can accept 110 VAC inputs as well as 220 VAC inputs, so one standard model can be used world-wide with only an inexpensive adapter. In a similar way, I think, Vanguard is striving for a universal portfol...
by mindboggling
Sun Apr 19, 2020 8:13 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 609
Views: 31689

Re: What are you listening to now

Hayes Carll...yes! Great songwriter.
by mindboggling
Sun Apr 19, 2020 7:25 pm
Forum: Personal Investments
Topic: Any reason to keep Vanguard Federal Money Market Fund?
Replies: 16
Views: 2576

Re: Any reason to keep Vanguard Federal Money Market Fund?

Keep in mind that dividends from the federal MMF are exempt from state income tax. With an online bank you would have to pay state income tax (if you live in a state with state tax).
by mindboggling
Sat Apr 18, 2020 12:43 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72275

Re: Bogleheads community discussion - Coronavirus

For a good educational web-cartoon about pandemic modeling, you might want to check out this link:

https://fivethirtyeight.com/features/a- ... -modeling/

Even I understood it!
by mindboggling
Sat Apr 11, 2020 7:27 pm
Forum: Investing - Theory, News & General
Topic: Why does anyone invest in China funds?
Replies: 70
Views: 3759

Re: Why does anyone invest in China funds?

Do you really think the Chinese government will allow foreigners to make money in China...ever?
by mindboggling
Sun Apr 05, 2020 8:49 pm
Forum: Investing - Theory, News & General
Topic: Where's Warren Buffett During This Crisis?
Replies: 155
Views: 20825

Re: Where's Warren Buffett During This Crisis?

Why does anyone care what WB thinks? Do you have a plan? Do you believe in your plan?
by mindboggling
Sun Apr 05, 2020 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Using ONLINE Visa gift card down to $0?
Replies: 12
Views: 639

Re: Using ONLINE Visa gift card down to $0?

Put some gas in your car.
by mindboggling
Fri Apr 03, 2020 9:32 pm
Forum: Personal Investments
Topic: Do you want to own the whole haystack [VTI] when someone has a blowtorch?
Replies: 125
Views: 9409

Re: Do you want to own the whole haystack [VTI] when someone has a blowtorch?

Bama12 wrote:
Fri Apr 03, 2020 8:21 pm
Now is not the time to buy index. You want to buy good stocks.
And if they don't go up...don't buy 'em.
by mindboggling
Sun Mar 29, 2020 9:18 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 267
Views: 15518

Re: So what are you cooking

"Cold dog soup and rainbow pie
Is all it takes to get me by
Fool my belly till the day I die
Cold dog soup and rainbow pie"

-Guy Clark
by mindboggling
Wed Mar 25, 2020 8:21 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 609
Views: 31689

Re: What are you listening to now

classical music from NRK Norway. Also, Choctaw Bingo by James McMurtry. Not at the same time, mind you!
by mindboggling
Tue Mar 24, 2020 8:42 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 170
Views: 9269

Re: What is your AA, given your age ? and this crisis ?

Retired. Almost 67 y/o. Target AA is 30/70. Due to current crisis, equities are slightly below target even though my LifeStrategy funds are re-balancing. Not currently spending from my portfolio for day-to-day expenses. Hey upstater! Where you at? I'm near Canandaigua. :mrgreen: I sent you a PM.
by mindboggling
Tue Mar 24, 2020 7:46 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 170
Views: 9269

Re: What is your AA, given your age ? and this crisis ?

Retired. Almost 67 y/o. Target AA is 30/70. Due to current crisis, equities are slightly below target even though my LifeStrategy funds are re-balancing. Not currently spending from my portfolio for day-to-day expenses.
by mindboggling
Sat Mar 21, 2020 7:12 pm
Forum: Investing - Theory, News & General
Topic: COVID Crash: What did you get right?
Replies: 61
Views: 2731

Re: COVID Crash: What did you get right?

In 2013 when I stopped working full-time I was 60/40. I moved to 40/60, then to 35/65, then to 30/70. I've been at 30/70 since about 2016 or so. I'm still down about 150k this year, but it's not money I need to live day to day. I can wait.
by mindboggling
Fri Mar 20, 2020 8:00 pm
Forum: Personal Consumer Issues
Topic: Pay cleaning lady during coronavirus pause?
Replies: 66
Views: 5105

Re: Pay cleaning lady during coronavirus pause?

I guess for many bogleheads it's a matter of noblesse oblige.
by mindboggling
Wed Mar 18, 2020 8:14 pm
Forum: Investing - Theory, News & General
Topic: thank you Bill Bernstein: "If You've Won the Game, Stop Playing"
Replies: 51
Views: 6666

Re: thank you Bill Bernstein: "If You've Won the Game, Stop Playing"

66 y/o, three years retired. I've been 30/70 for a few years. I've always wondered whether I was being ridiculously conservative seeing all the equity cowboys here. Now, I'm glad. Well...sorta.

Rick Ferri's article was great for confirmation.
by mindboggling
Sun Mar 15, 2020 7:09 am
Forum: Personal Consumer Issues
Topic: Anybody here go all-Linux for personal computing?
Replies: 116
Views: 9093

Re: Anybody here go all-Linux for personal computing?

All linux at home for over 10 years. I use the Mint Linux distribution with XFCE as desktop.
by mindboggling
Thu Mar 12, 2020 8:51 pm
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 25880

Re: Who is staying course and how are you dealing with net worth going down?

I am staying the course. Almost 67 y/o, retired. I stayed the course during the tech crash and 2008, but I was working at a reasonably safe job. This is the first crash I'm experiencing as a retiree. I have enough income to cover my current expenses, but my time frame for recovery is a lot shorter n...
by mindboggling
Thu Mar 12, 2020 4:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18794
Views: 2627093

Re: U.S. stocks in free fall

jibantik wrote:
Thu Mar 12, 2020 3:23 pm
jibantik wrote:
Thu Mar 12, 2020 12:09 pm
jibantik wrote:
Thu Mar 12, 2020 7:12 am
Called it this morning. Someone owes me a beer :mrgreen:
Ok ok, bull is officially dead, but boy did he go out in glorious fashion. It was a good run boys :sharebeer
OK...meet me at the bar. There's a special on Coronas going on. :D
by mindboggling
Wed Mar 11, 2020 9:19 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296697

Re: Coronavirus and the market

Other than a bit of tax-loss harvesting, I haven't done anything. My IRAs are in Vanguard LifeStrategy funds so, presumably, they get re-balanced automatically.
by mindboggling
Wed Mar 11, 2020 8:44 pm
Forum: Personal Consumer Issues
Topic: Weird Things You Do To Save Money & Invest More?
Replies: 33
Views: 2102

Re: Weird Things You Do To Save Money & Invest More?

I think I have some of you beat. I’ve never used a dryer sheet. I don’t even know what they do. That is a good start, but... I also don't use dryer sheets and only use the dryer a couple times a year. I live in a dry climate so after taking clothes out of the washer, I hang them around the house (i...
by mindboggling
Tue Mar 10, 2020 10:16 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Movie Suggestions
Replies: 104
Views: 6979

Re: Coronavirus Movie Suggestions

I don't watch movies but I can recommend a novel. "Severance" by Ling Ma. It takes place during and after an epidemic destroys most of America, but it's about other things, too. Just finished it.
by mindboggling
Sun Mar 08, 2020 6:12 pm
Forum: Investing - Theory, News & General
Topic: Balanced Funds in Market Turbulence
Replies: 12
Views: 1302

Re: Balanced Funds in Market Turbulence

My IRAs have been mostly in LifeStrategy funds for the past few years, and I find I am really enjoying not having to think about rebalancing. Knowing that it is happening automatically is comforting because on my own, with separate funds, I probably wouldn't do it (retired). +1 And This^^^ I'm real...
by mindboggling
Sun Mar 08, 2020 6:09 pm
Forum: Personal Investments
Topic: Multiple Vanguard IRAs?
Replies: 15
Views: 836

Re: Multiple Vanguard IRAs?

I have a traditional IRA, a Roth IRA and a roll-over IRA at Vanguard. The roll-over is from my last employer when I retired. Why are the rollover IRA's separated form the Traditional? Aren't they the same thing? Yes, from a tax perspective they will be treated the same (all taxable, sadly). I just ...
by mindboggling
Wed Mar 04, 2020 11:31 am
Forum: Personal Investments
Topic: Multiple Vanguard IRAs?
Replies: 15
Views: 836

Re: Multiple Vanguard IRAs?

I have a traditional IRA, a Roth IRA and a roll-over IRA at Vanguard. The roll-over is from my last employer when I retired.
by mindboggling
Wed Mar 04, 2020 10:27 am
Forum: Investing - Theory, News & General
Topic: Balanced Funds in Market Turbulence
Replies: 12
Views: 1302

Re: Balanced Funds in Market Turbulence

My IRAs have been mostly in LifeStrategy funds for the past few years, and I find I am really enjoying not having to think about rebalancing. Knowing that it is happening automatically is comforting because on my own, with separate funds, I probably wouldn't do it (retired).
by mindboggling
Tue Mar 03, 2020 5:59 pm
Forum: Personal Investments
Topic: What do you have in your Roth (or Tax Advantaged) accounts?
Replies: 17
Views: 978

Re: What do you have in your Roth (or Tax Advantaged) accounts?

In my Roth IRA I have Vanguard LifeStrategy - Growth (80/20).

In my Traditional IRA I have Vanguard LifeStrategy - Income (20/80) and VTIP (short-term TIPS ETF)

In my Rollover IRA I have Vanguard LifeStrategy - Income (20/80).
by mindboggling
Tue Mar 03, 2020 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: What % of total assets do YOU have in DAF?
Replies: 13
Views: 910

Re: What % of total assets do YOU have in DAF?

I believe you can donate up to one-third of your AGI (adjusted gross income) per year. Can someone please verify this.
by mindboggling
Mon Mar 02, 2020 3:23 pm
Forum: Investing - Theory, News & General
Topic: Okay, now when you do buy back in?
Replies: 230
Views: 21559

Re: Okay, now when you do buy back in?

Every day--corona or no corona--I ask myself if it is necessary to do something (anything) with my investments. So far the answer has been no.
by mindboggling
Sat Feb 29, 2020 8:44 pm
Forum: Investing - Theory, News & General
Topic: The most valuable lesson in your investment career?
Replies: 87
Views: 4671

Re: The most valuable lesson in your investment career?

sambb wrote:
Sat Feb 29, 2020 8:40 pm
savings rate matters more than just about anything
Yes, your rate of savings is more important that the rate of return on your investments.
by mindboggling
Sat Feb 29, 2020 8:38 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190742

Re: Coronavirus and the market

veggivet wrote:
Sat Feb 29, 2020 7:52 pm
Does anybody know what happened to the Pandemic Response Team the CDC had? I know it was still extant in 2018, but haven't heard much about them since.
Probably did not get as much headlines as classifying "gun violence" as a disease.
by mindboggling
Sat Feb 29, 2020 8:29 pm
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 372
Views: 25761

Re: Disappointed in forum members

Anyone can join this forum, and we have a lot of "players" here. Keep in mind that most members don't post much. Also, we have a whole generation of investors that have never seen a bear market and may not have chosen the right asset allocation. It's easy to be aggressive when the stock market keeps...
by mindboggling
Sat Feb 29, 2020 7:48 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296697

Re: Coronavirus and the market

...and on the bright side, quarterly distributions are due towards the end of March. Nice to be able to re-invest at a better price.
by mindboggling
Sat Feb 29, 2020 6:41 pm
Forum: Investing - Theory, News & General
Topic: Stay The Course Means Stay The Course Right?
Replies: 32
Views: 1935

Re: Stay The Course Means Stay The Course Right?

I am 66 years old, and I am staying the course. I have a conservative asset allocation (30/70). Even though I am retired, I am still in accumulation mode as my income exceeds my expenses ever so slightly. When I have new money to invest, I've been splitting it 50/50 between VT (world stock ETF) and ...
by mindboggling
Sat Feb 29, 2020 11:11 am
Forum: Investing - Theory, News & General
Topic: new VG dashboard [New Vanguard home page]
Replies: 47
Views: 2782

Re: Vanguard new opening page

Yes, I see the "old" Account Overview page, too. I suspect it won't last. It's the weekend. They are probably doing an upgrade of some sort. I started seeing it Friday night. Other pages are also using the old format. Things like this used to alarm me, but given the probable state of Vanguard's IT, ...
by mindboggling
Sun Feb 23, 2020 11:30 pm
Forum: Personal Investments
Topic: Dow Futures down 426 for Monday 2/24/20. Buying anything today?
Replies: 155
Views: 14990

Re: Dow Futures down 426 for Monday 2/24/20. Buying anything today?

Tomorrow the Eagle poops (hopefully). I'll probably just invest it 50% equities (VT), 50% fixed income.
by mindboggling
Sat Feb 22, 2020 9:26 pm
Forum: Investing - Theory, News & General
Topic: Is the market media over-reacting to coronavirus?
Replies: 71
Views: 4819

Re: Is the market media over-reacting to coronavirus?

whodidntante wrote:
Sat Feb 22, 2020 9:13 pm
It's the only virus with an official beer. Although Zima was linked to some rather unfortunate bacterial infections.
You're the funniest guy here!
by mindboggling
Thu Feb 20, 2020 8:57 pm
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 9845

Re: Has Vanguard deteriorated?

I've been with Vanguard for over 30 years. All my IRAs are still with Vanguard, although I recently transferred my taxable account to Schwab. Vanguard Brokerage still seems to have continuing problems with cost basis, and the whole Vanguard website and computer systems seem outdated. No one knows wh...
by mindboggling
Sun Feb 16, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: How does everyone visualize their finances?
Replies: 48
Views: 3392

Re: How does everyone visualize their finances?

Gnucash for income & expenses only. The portfolio tools at Vanguard and Schwab for investments. No spreadsheets.
by mindboggling
Sat Feb 15, 2020 9:45 pm
Forum: Personal Consumer Issues
Topic: Carhartt or Tough Duck jackets
Replies: 19
Views: 1661

Re: Carhartt or Tough Duck jackets

This year I've been using a Carhartt winter jacket with an LLBean fleece vest under it.
by mindboggling
Sat Feb 15, 2020 7:45 pm
Forum: Investing - Theory, News & General
Topic: If you used multiple investment strategies, which would you use and why?
Replies: 271
Views: 11351

Re: If you used multiple investment strategies, which would you use and why?

Not sure if this is what the OP is looking for but I invest in broad market indices with a portion of my fixed income inflation protected (hopefully). Overall allocation: 30% equities/70% fixed income. Of the 70% fixed income, about 30% is in I-bonds or in the VTIP short-term inflation-protected ETF...
by mindboggling
Fri Feb 14, 2020 7:07 pm
Forum: Investing - Theory, News & General
Topic: Buy stocks. There is no end in sight to America’s economic boom.
Replies: 27
Views: 3029

Re: Buy stocks. There is no end in sight to America’s economic boom.

I am retired but still slightly in accumulation mode as my income exceeds my expenses by a small amount. When I have new money to invest I've been putting half in the VT ETF and half in a federal money market fund. Current total equity allocation: about 31 percent. Percent of international equities ...