Bogleheads.org

gks

3981.01

gks

You might be able to restore the older version of Quicken before updating through Windows recovery. Instructions under “Restore from a system restore point”. https://support.microsoft.com/en-us/help/12415/windows-10-recovery-options "No restore points..." It says restore points are used t...

gks

Zombies, I can't remember how I did it, but years ago I went to email notifications of fund reports/prospectus changes and that eliminated the paper reports. Just looked: Sign on to your account. Edit: personal.vanguard.com Highlight My Accounts. Click Service Options Checklists. This will take you ...

gks

For those who may be interested, go to Morningstar and put vtiax into the search window. Then put maximum into the length. Then, put vtsax into the compare. Look at the results for the last 26 years, three months. Past returns do no predict future returns, but I think I am going to go with past retu...

gks

Addendum,

We pay off all credit cards at the end of the month.

Greg

gks

OP, If you use a debit card, you are gambling with your money, since it is in your bank account. If you use a credit card, you are gambling with the credit card company. If something bad happens, the credit card can be cancelled. If something bad happens with a debit card, it may take months to get ...

gks

Taylor, Amen. I owned Vanguard Asset Allocation fund a long time ago. It was probably that tactical allocation fund you were talking about. It had a broad range of equity/bond percentages per its prospectus. Its allocation between equities and bonds was directed by Vanguard's best guess about the fu...

gks

Bob,

The only big words that could possibly give away the document are "conceived" and "dedicated. Looking at the little words-perish, equal, secure, liberty, fathers-I'll bite. Declaration of Independence.

I'd hate to try reading that cloud document.

Greg

gks

[/quote] This is exactly the process I went through; thank you for validating you are having a similar experience. For what it’s worth, I have significantly lowered the withholding from my paychecks so that in about a month or two we will be even on paper. I’d rather owe them money than them owe me ...

gks

I mailed our federal and state returns April 6ish and had USPS had confirmations of deliveries April 10. The IRS cashed our check sometime the next week, while the state took about 2ish weeks. I don't know if the IRS is processing returns, but the Treasury is certainly cashing checks. And no, I don...

gks

I mailed our federal and state returns April 6ish and had USPS had confirmations of deliveries April 10. The IRS cashed our check sometime the next week, while the state took about 2ish weeks. I don't know if the IRS is processing returns, but the Treasury is certainly cashing checks. And no, I don'...

gks

3424.63

gks

Thanks, maybe I am reading it wrong, but it looks like LS fund has outperformed the Balanced fund since inception? Correct me if I am not reading correctly. Michael, If you go back to 10-94 when LS Moderate Growth was offered, Balance Index has returned $66.8k vs $56.3 for LSMG per MorningStar. I d...

gks

abuse, Like you, I am moving to electronic statements. I download all statements to either a pdf or txt (local bank) file. They eventually are backed up to a thumb drive and external hard drive. Paper tax statements are added to an 11x9 manilla envelope and archived in a basement cabinet. I could sc...

gks

2656.67 This year's close plus Mr. Bogle's 6% prediction. I did so bad in 2017 that I didn't even try in 2018. I didn't even guess the right direction in 2017. Greg That's more than 6% since the index level doesn't include dividends that are about 1.8%. For 6% total you should just add 4.2%. KJVang...

gks

2656.67

This year's close plus Mr. Bogle's 6% prediction. I did so bad in 2017 that I didn't even try in 2018. I didn't even guess the right direction in 2017.

Greg

gks

For me, it's not just about how fast the car can go. Mine has a speedometer that tops out at 200 MPH. I clearly will not go that fast on an open public road. A bigger part of the thrill is when I step into my car in the morning, turn the ignition on and hear that 6.2 liter naturally aspirated V8 ex...

gks

Ependytis, First, there have been a lot of posts since I started typing this reply, but please bear with me. There are two kinds of people in this country. Car Guys and Bean Counters. Robert Lutz, past vice president and director of development at GM has a great book about the differences. http://ww...

gks

Here in Tennessee, we pay ~$0.08/kwh. We have an all electric house, which means we have an electric stove, water heater, heat pump, water pump, and clothes dryer. Not to mention a 400 w LED TV. Switching to LED light bulbs is a rounding error in our electric consumption. But then, as the Incandesc...

gks

Time, As above posters have stated, a recession is always coming. Was it Alan Greenspan who stated that the market was at a level due to irrational exuberance in 1996? I don't think we have seen that market level since. Not to get too political, but CBS news is not a source I trust. And not to pick ...

gks

Here in Tennessee, we pay ~$0.08/kwh. We have an all electric house, which means we have an electric stove, water heater, heat pump, water pump, and clothes dryer. Not to mention a 400 w LED TV. Switching to LED light bulbs is a rounding error in our electric consumption. But then, as the Incandesce...

gks

But from all my own research (a great deal), the Vanguard Wellesley Income Fund is the solution for me. Great asset allocation and inexpensive. Plus, they were only down ~9.8% in 2008! I could definitely handle that psychologically. Wellesley was down 9.8% for the calendar year 2008, but then it dr...

gks

hdas wrote: ↑Wed Dec 05, 2018 6:32 pm I think the market is free to go up now.........somebody dumped a big position into an iliquid market. We traded 2649.75!!!!

Like Moto, I'm trying to figure out what you are saying, traded, did, sold, bought....etc

From the dimmest bulb,
Greg

gks

wow.....liquidity in sp futures right now is precarious. About 80-100 contracts in all 10 levels. Be safe out there. :greedy As I indicated in previous posts, I'm not the brightest bulb in the chandelier, but what in the heck does this mean???? Greg Don't do something, just stand there. JG, Quite f...

gks

hdas wrote: ↑Wed Dec 05, 2018 6:16 pm wow.....liquidity in sp futures right now is precarious. About 80-100 contracts in all 10 levels. Be safe out there.

As I indicated in previous posts, I'm not the brightest bulb in the chandelier, but what in the heck does this mean????

Greg

gks

ruralavalon,

Can you imagine what this thread would have been like on 10-19-87?

Been there, done that. It was not pretty.

Greg

gks

Sometimes I think this is my favorite thread. Sorry Taylor, nisiprius, Lady Geek, nedsaid, livesoft, et al who offer better educated and analytical analysis of markets and investing. Boglehead investing is easy to learn and do. There isn't much to talk about except to remind people that this freefa...

gks

Sometimes I think this is my favorite thread. Sorry Taylor, nisiprius, Lady Geek, nedsaid, livesoft, et al who offer better educated and analytical analysis of markets and investing (edit: than I). That said, I detect a lot of angst here. Please keep in mind that the market yesterday was still in po...

gks

jalbert, I agree with your assessment about US/International securities over the past 60 years, but looking at the Morningstar graphs, 1996, the year of "Irrational Exuberance", was the divergence of performance between US-ExUS. I don't know when Ex-US will recover, but for now, I am comfo...

gks

How could anyone have invested in International 60 years ago? Please let me know The Templeton Growth Fund started in the 1950’s. But this misses the point which is that a single 30-year backtest unfortunately is too biased to be used as a predictor of future returns, as different 30-year periods h...

gks

HEDGFUNDIE, I don't think I ever stated that I was betting against stocks. I am betting that the the U.S. market will continue to outperform Ex-US in my somewhat limited time frame. For whatever it is worth, I am not a fan of international bonds. As an aside, my wife's Roth IRA is 2% of our portfoli...

gks

vineviz, As I stated, I'm not an international investor, and don't have that inclination. I was wondering if there were in fact mutual funds that were available for small investors prior to Vanguard Total International. Obviously, there must have been. Your graphs are interesting, but the dates are ...

gks

I don't post often, and the US/International stock allocation is so vigorously debated that I feel like the kid in the corner who doesn't understand what is going on. For the past 30 years the combo with the highest Sharpe ratio has been 100% US. And in the prior 30 years non-US equities obliterated...

gks

My sister had a condo in The Villages, and she was not enthused. I will post more if she allows.

There are other articles that are more supportive.

YMMV

Greg

gks

https://about.vanguard.com/who-we-are/a-remarkable-history/ From its start in 1975, Vanguard has stood out as a very different kind of investment firm. Vanguard was founded on a simple but revolutionary idea-that a mutual fund company should not have outside owners. Founder John C. Bogle structured ...

gks

I'd keep it in the 457 because it can be used as a backup emergency fund. If you move it to an IRA, you'd incur a penalty for withdrawing early. 9r I don't know what state you are in, or if that even matters. I had a 457 in Indiana with Nationwide that did not include Vanguard funds. When Nationwid...

gks

It is time to start taking RMDs from my IRA. Currently my IRA is composed of the following: Vanguard Balanced Index VBIAX 49% Vanguard Dividend Growth VDIGX 13% Vanguard Wellesley VWIAX 38% What would be the best course of action? Take everything out of the highest holding in December? Dollar cost a...

gks

PMM, I feel your pain, as I suffered the same thing for the last 10 years of my career. You at least only have 7 years. Suck it up. You may not have the passion for you job, but you know how to do it. Keep current with you job requirements. 7 years is nothing when you consider how long you will be r...

gks

DR,

Set your mind at ease. You may appreciate this. I did.

https://www.youtube.com/watch?v=_QdPW8JrYzQ

gks

I know I will be hammered for these observations... First, I realize that past performance is no guarantee of future returns. Guarantee is the operative word, but how about as an alternative, maybe a guide. Second, I don't really have all that much longer to worry about the US/World asset allocation...

gks

Computers have timezone files that tell them all the data they need to know about all the timezones that exist around the world. Not observing DST is not really that odd. There's plenty of weirder timezones to be found internationally. Mudpuppy, Completely agree. Read someplace that North Korea is ...

gks

nisiprius, Good question for us that live in daylight savings time states. Since most of us have a 25 hour day here, what about Arizona and Hawaii? Those two states don't have DST. Curious about how that would be programmed into computers. Probably simple based on an official addresses. Greg http:/...

gks

nisiprius, Good question for us that live in daylight savings time states. Since most of us have a 25 hour day here, what about Arizona and Hawaii? Those two states don't have DST. Curious about how that would be programmed into computers. Probably simple based on an official addresses. Greg http:/...

gks

nisiprius, Good question for us that live in daylight savings time states. Since most of us have a 25 hour day here, what about Arizona and Hawaii? Those two states don't have DST. Curious about how that would be programmed into computers. Probably simple based on an official addresses. Greg http://...

gks

Evelyn, I haven't read your link, but I understand Mr. Bogle's advice. I just wish I had the wisdom of this website when I started investing in 1986. Back then, I read all of the slick paper magazines and invested in the hottest funds that were recommended. My philosophy then was to invest in the la...

gks

0112 EST

Logged in seems to be working

Greg

gks

WarChest, First, I don't know what state you live in, but paying insurance on 1.475mm is a little out there. You only have to insure 275k for house replacement, since if the home burns down, the land is still there. Now, if you are in California, maybe earthquake insurance may be helpful if CA slide...

gks

2011.55

gks

dm200, I read this thread yesterday, and just browsed through it. From what I can see is that there are a lot of pseudo-lawyers and apologists posting responses. You have talked to your insurance agent and the agent told you of your liability. Have your neighbor contact his insurance and if in doubt...

gks

1997 Wrangler 115k miles Needed for winter because our private lane does not get plowed

2010 VW Sportwagon 85.5k miles Waiting for buyback by VW

2017 Chrysler 300 4 hours old

Greg

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