Search found 13395 matches

by chaz
Sun Jan 18, 2015 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: RMD withdrawals.
Replies: 43
Views: 5253

Re: RMD withdrawals.

I take my RMD in late December to get the maximum from the compounding.
by chaz
Sun Jan 18, 2015 1:49 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2162
Views: 1349754

Re: The Three Fund Portfolio

Thanks, Taylor.
by chaz
Sun Jan 18, 2015 12:48 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2162
Views: 1349754

Re: Life Strategy and Target Funds alternative

I might add that Mike Piper personally uses the Vanguard LifeStrategy funds, which are about as pure a one-fund implementation of the three-fund portfolio as you can get. Leeraar: Mr. Piper is a very knowledgeable investor who is on our Panel of Experts at Boglehead Conferences. I agree with Mike t...
by chaz
Sun Jan 18, 2015 11:51 am
Forum: Local Chapters and Bogleheads Community
Topic: Why I like this forum
Replies: 34
Views: 3533

Re: Why I like this forum

This forum is educational.
by chaz
Sat Jan 17, 2015 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Here's my situation.
Replies: 20
Views: 3259

Re: Here's my situation.

Go to www.vanguard.com and look at Target Retirement funds and Balanced Index fund.

Good luck.
by chaz
Sat Jan 17, 2015 5:03 pm
Forum: Personal Consumer Issues
Topic: Retirees: Do you work part-time for pay?
Replies: 58
Views: 7336

Re: Retirees: Do you work part-time for pay?

I have been retired for 3.5 months. While I hold some credentials that would enable me to find a part-time or a full-time job fairly easily, I have absolutely no desire to use this ability. There is much more to life than working. Victoria +1 +2 Yep, working is overrated. That's why I quit working....
by chaz
Sat Jan 17, 2015 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 7175

Re: Getting deposed -- do I need to hire my own lawyer?

kenner wrote:
Christine_NM wrote:
rob wrote:I would get a suit as there seems to be peace of mond issues and for not a fortune you could get some real advice......
+1
I believe most lawyers would provide real legal advice even if you did not have a new suit.
Correct, but wear clean clothes.
by chaz
Sat Jan 17, 2015 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Publication 590 [Revised to 590-A and 590-B]
Replies: 11
Views: 2737

Re: IRS Publication 590

Thanks for the info and link.
by chaz
Sat Jan 17, 2015 3:02 pm
Forum: Personal Consumer Issues
Topic: Retirees: Do you work part-time for pay?
Replies: 58
Views: 7336

Re: Retirees: Do you work part-time for pay?

Dasnyc wrote:
VictoriaF wrote:I have been retired for 3.5 months. While I hold some credentials that would enable me to find a part-time or a full-time job fairly easily, I have absolutely no desire to use this ability. There is much more to life than working.

Victoria
+1
+2
by chaz
Sat Jan 17, 2015 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Necessary to diversify among fund families?
Replies: 7
Views: 900

Re: Necessary to diversify among fund families?

I'm happy with Vanguard's safety.
by chaz
Sat Jan 17, 2015 12:41 pm
Forum: Personal Consumer Issues
Topic: Retirees: Do you work part-time for pay?
Replies: 58
Views: 7336

Re: Retirees: Do you work part-time for pay?

Retired means no work for pay.
by chaz
Fri Jan 16, 2015 12:25 pm
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 12765

Re: Where do you shop for groceries?

Smith's.
by chaz
Thu Jan 15, 2015 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 9132

Re: Reporter doing story on Turbo Tax Fracas

Unlike many post here, I love TurboTax. I've used it for over 20 years, and never had any issues. I find it to be a stellar product, and I'm glad Vanguard has discounted it. Free for the Premiere version. Hire an accountant, or CPA to do your tax return and see how much your charged. It's come to m...
by chaz
Thu Jan 15, 2015 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Target fund
Replies: 5
Views: 794

Re: Target fund

Can she invest in a Vanguard index fund?
by chaz
Thu Jan 15, 2015 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 11155

Re: This topic is causing stress in marriage we need some he

cheese_breath wrote:
lululu wrote:
LAlearning wrote:Sounds like the OP is MIA...
Probably doesn't care for the truth....
Patience dear friends. It's only been 6 hours since his post. Maybe he's at work at his part time job.
[OT comment removed by admin LadyGeek]
by chaz
Thu Jan 15, 2015 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 11155

Re: This topic is causing stress in marriage we need some he

LAlearning wrote:Sounds like the OP is MIA...
He's embarassed. :oops:
by chaz
Thu Jan 15, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3573
Views: 1018951

Re: What Movie Have You Recently Watched?

The Imitation Game. A great movie.
by chaz
Thu Jan 15, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: Brokerage scams
Replies: 6
Views: 1213

Re: Brokerage scams

No scam at VBS.
by chaz
Wed Jan 14, 2015 6:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6638
Views: 1433548

Re: U.S. stocks in freefall

Should I go from 70stocks/30 bonds to 0 stocks/100 bonds right now. I am tired of the market going down every day in 2015? :greedy 8-) "Stay the course" is the advice of this forum, I believe. Don't tell us to stay the course. Tell the market to stay on its course up! Victoria Lady Victoria, of all...
by chaz
Wed Jan 14, 2015 6:51 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3064
Views: 945216

Re: What Book Are You Currently Reading? Part VI

"Gone Girl" by Gillian Flynn. The movie was excellent. I hope I will say the same about the novel.
by chaz
Wed Jan 14, 2015 11:58 am
Forum: Investing - Help with Personal Investments
Topic: which Brokerage do you use...why?
Replies: 48
Views: 6163

Re: which Brokerage do you use...why?

VBS. 25 free trades.
by chaz
Wed Jan 14, 2015 11:53 am
Forum: Investing - Theory, News & General
Topic: Target Date Fund articles
Replies: 6
Views: 1185

Re: Target Date Fund articles

Look at the forum wiki.
by chaz
Wed Jan 14, 2015 11:50 am
Forum: Personal Consumer Issues
Topic: Saving vs Living
Replies: 33
Views: 5481

Re: Saving vs Living

Reach a happy balance.
by chaz
Wed Jan 14, 2015 11:47 am
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 162
Views: 26156

Re: What was your costliest investment mistake?

Listening to an adviser a long time ago.
by chaz
Tue Jan 13, 2015 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced fund advice
Replies: 12
Views: 1542

Re: Balanced fund advice

Toons wrote:LifeStrategy Conservative Growth is one for consideration :happy

"The Conservative Growth Fund seeks to provide current income and low to moderate capital appreciation."

https://personal.vanguard.com/us/funds/ ... IntExt=INT
An excellent option.
by chaz
Tue Jan 13, 2015 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Balanced fund advice
Replies: 12
Views: 1542

Re: Balanced fund advice

Look at the forum wiki.
by chaz
Tue Jan 13, 2015 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Downside of putting condo in a trust
Replies: 29
Views: 5581

Re: Downside of putting condo in a trust

My home is in my living trust. No probate needed when I die.
by chaz
Mon Jan 12, 2015 12:09 pm
Forum: Personal Consumer Issues
Topic: Why do you like to travel and AA question?
Replies: 16
Views: 1545

Re: Why do you like to travel and AA question?

Travel is educational. Invest in a Target Retirement fund.
by chaz
Sun Jan 11, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: Question about AxCrypt (file encryption)
Replies: 4
Views: 702

Re: Question about AxCrypt (file encryption)

I use cyberghost, a free vpn.
by chaz
Sun Jan 11, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Doing my taxes by hand
Replies: 64
Views: 7640

Re: Doing my taxes by hand

Toons wrote:Go easy on yourself ,,e file,,the software will make is so easy for you. :happy

http://www.taxact.com/

https://www.taxslayer.com/

http://www.hrblock.com/online-tax-filing/
+1.
by chaz
Sat Jan 10, 2015 2:50 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Wealth and Happiness
Replies: 16
Views: 2829

Re: Bogleheads: Wealth and Happiness

Saving smartly throughout life has provided me inner peace. I, too, don't care about material items, but having an above-average savings rate allows me to make choices that the average person cannot. If I want to quit my job tomorrow, I can. If I want to move to another city or state, I can. If I w...
by chaz
Sat Jan 10, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Wealth and Happiness
Replies: 16
Views: 2829

Re: Bogleheads: Wealth and Happiness

mickeyd wrote:My satisfaction (happiness?) is at a pretty darn high level and I suspect that my VG account balance is reflected in that level of satisfaction. Like others here @ BH, I do not consider us wealthy, just satisfied with the overall results of our long term planning.
Me too. Poverty = misery.
by chaz
Fri Jan 09, 2015 6:05 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3064
Views: 945216

Re: What Book Are You Currently Reading? Part VI

"Standup Guy" by Stuart Woods.
by chaz
Fri Jan 09, 2015 6:03 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3064
Views: 945216

Re: What Book Are You Currently Reading? Part VI

Blues wrote:"A Death In Vienna" by Daniel Silva.
Silva authors nice novels, though I haven't read this one.
by chaz
Fri Jan 09, 2015 5:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6638
Views: 1433548

Re: U.S. stocks in freefall

The stocks are in a free sine wave-like pattern: they freely sin but do not fall . (A new spin on a financial porn.) Victoria Can someone please "cosine" Victoria's hypothesis? I need validation before making any new lines in a market this "tricker-numeratry"... If you differentiate sin (from fall)...
by chaz
Fri Jan 09, 2015 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund vs. 3 Fund Portfolio
Replies: 45
Views: 15335

Re: Target Date Fund vs. 3 Fund Portfolio

SpringMan wrote:
chaz wrote:1 fund portfolio for me, the Balanced Index fund.
Did you sell your Capital Opportunity fund? I sold mine a while ago but recently bought it back.
Yes.
by chaz
Thu Jan 08, 2015 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund vs. 3 Fund Portfolio
Replies: 45
Views: 15335

Re: Target Date Fund vs. 3 Fund Portfolio

1 fund portfolio for me, the Balanced Index fund. Chaz thanks, do you hold that across different accounts i.e. taxable, IRA, 401k etc? I agree with others to this OP, target date fund in you situation is great. Disclosure I hold basically everything in 2025 across my 401k, both Roths. Looking at in...
by chaz
Thu Jan 08, 2015 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund vs. 3 Fund Portfolio
Replies: 45
Views: 15335

Re: Target Date Fund vs. 3 Fund Portfolio

1 fund portfolio for me, the Balanced Index fund.
by chaz
Thu Jan 08, 2015 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Changes (mostly bad ones) to my 401k. Who benefits?
Replies: 34
Views: 3583

Re: Changes (mostly bad ones) to my 401k. Who benefits?

Is there an HR person to talk to?
by chaz
Thu Jan 08, 2015 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: SoCal City Recommendations Young Family
Replies: 29
Views: 3324

Re: SoCal City Recommendations Young Family

Look at San Bernardino.
by chaz
Thu Jan 08, 2015 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship
Replies: 5
Views: 1673

Re: Vanguard Flagship

I also have not had a problem.
by chaz
Thu Jan 08, 2015 3:34 pm
Forum: Investing - Theory, News & General
Topic: Can you make money betting on random coin flips?
Replies: 296
Views: 28952

Re: Can you make money betting on random coin flips?

For some, gambling is fun, but not for me. Too much risk.
by chaz
Thu Jan 08, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: What's in your car emergency kit?
Replies: 52
Views: 5729

Re: What's in your car emergency kit?

It's empty.
by chaz
Thu Jan 08, 2015 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Boggled by Bogleheads - Portfolio Evaluation
Replies: 11
Views: 3409

Re: Boggled by Bogleheads - Portfolio Evaluation

Yes I do see some good low-ER funds available. However, I'm not sure I know how to obtain my risk allocation between all my accounts. Do I just make a lazy portfolio in each of my accounts (401k,403b,Roth,Taxable,IRA) using the same funds in each (50%Total Domestic/Total International, 20%Bonds)? Y...