Search found 235 matches

by gks
Fri Sep 18, 2020 11:13 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 10185

Re: Quicken Disaster!

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...
by gks
Sat Aug 22, 2020 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Fund Reports mailings
Replies: 10
Views: 1161

Re: Vanguard Fund Reports mailings

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 ...
by gks
Thu Jul 30, 2020 7:12 pm
Forum: Investing - Theory, News & General
Topic: Lost duodecade in international (ASWX, VEU, CWI)
Replies: 95
Views: 4954

Re: Lost duodecade in international (ASWX, VEU, CWI)

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...
by gks
Thu Jul 30, 2020 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: I was looking at getting the 1% cash back discover card. How many of you use debit cards all the time?
Replies: 79
Views: 4198

Re: I was looking at getting the 1% cash back discover card. How many of you use debit cards all the time?

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 ...
by gks
Thu Jul 30, 2020 5:56 pm
Forum: Investing - Theory, News & General
Topic: Downturn Protection and Index Fund Inefficiencies
Replies: 26
Views: 1921

Re: Downturn Protection and Index Fund Inefficiencies

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...
by gks
Mon Jul 27, 2020 10:07 am
Forum: Forum Issues and Administration
Topic: Proposal to represent a dynamic word cloud in Boglehead's main page
Replies: 82
Views: 5900

Re: Proposal to represent a dynamic word cloud in Boglehead's main page

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
by gks
Thu May 07, 2020 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: No tax return after >10 weeks?
Replies: 67
Views: 5535

Re: No tax return after >10 weeks?

[/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 ...
by gks
Thu May 07, 2020 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: No tax return after >10 weeks?
Replies: 67
Views: 5535

Re: No tax return after >10 weeks?

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...
by gks
Thu May 07, 2020 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: No tax return after >10 weeks?
Replies: 67
Views: 5535

Re: No tax return after >10 weeks?

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'...
by gks
Tue Jan 15, 2019 10:59 pm
Forum: Personal Investments
Topic: Vanguard Balanced Index Admiral vs LS Mod Growth>
Replies: 16
Views: 2198

Re: Vanguard Balanced Index Admiral vs LS Mod Growth>

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...
by gks
Mon Jan 07, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Vanguard Statements - Print or Electronic
Replies: 70
Views: 5913

Re: Vanguard Statements - Print or Electronic

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...
by gks
Tue Jan 01, 2019 6:24 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
Replies: 701
Views: 22965

Re: REGISTRATION FOR 2019 BOGLEHEAD CONTEST

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...
by gks
Tue Jan 01, 2019 6:13 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
Replies: 701
Views: 22965

Re: REGISTRATION FOR 2019 BOGLEHEAD CONTEST

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
by gks
Fri Dec 28, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2835

Re: Why do people buy- performance cars?

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...
by gks
Fri Dec 28, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2835

Re: Why do people buy- performance cars?

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...
by gks
Wed Dec 12, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 114
Views: 9757

Re: Electric bill with LED

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...
by gks
Wed Dec 12, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Recession Coming
Replies: 56
Views: 8356

Re: Recession Coming

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 ...
by gks
Mon Dec 10, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 114
Views: 9757

Re: Electric bill with LED

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...
by gks
Sun Dec 09, 2018 2:14 am
Forum: Personal Investments
Topic: Vanguard Wellesly Income
Replies: 45
Views: 6953

Re: Vanguard Wellesly Income

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...
by gks
Wed Dec 05, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22936
Views: 3008345

Re: U.S. stocks in freefall

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
by gks
Wed Dec 05, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22936
Views: 3008345

Re: U.S. stocks in freefall

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...
by gks
Wed Dec 05, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22936
Views: 3008345

Re: U.S. stocks in freefall

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. :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
by gks
Wed Dec 05, 2018 6:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22936
Views: 3008345

Re: U.S. stocks in freefall

ruralavalon,

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

Been there, done that. It was not pretty.

Greg
by gks
Wed Dec 05, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22936
Views: 3008345

Re: U.S. stocks in freefall

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...
by gks
Wed Dec 05, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22936
Views: 3008345

Re: U.S. stocks in freefall

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...
by gks
Wed Oct 03, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: Why does Vanguard reccomend 60:40 US:International ratio?
Replies: 52
Views: 11400

Re: Why does Vanguard reccomend 60:40 US:International ratio?

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...
by gks
Wed Oct 03, 2018 6:45 pm
Forum: Investing - Theory, News & General
Topic: Why does Vanguard reccomend 60:40 US:International ratio?
Replies: 52
Views: 11400

Re: Why does Vanguard reccomend 60:40 US:International ratio?

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...
by gks
Wed Oct 03, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: Why does Vanguard reccomend 60:40 US:International ratio?
Replies: 52
Views: 11400

Re: Why does Vanguard reccomend 60:40 US:International ratio?

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...
by gks
Wed Oct 03, 2018 4:17 am
Forum: Investing - Theory, News & General
Topic: Why does Vanguard reccomend 60:40 US:International ratio?
Replies: 52
Views: 11400

Re: Why does Vanguard reccomend 60:40 US:International ratio?

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 ...
by gks
Mon Oct 01, 2018 9:07 pm
Forum: Investing - Theory, News & General
Topic: Why does Vanguard reccomend 60:40 US:International ratio?
Replies: 52
Views: 11400

Re: Why does Vanguard reccomend 60:40 US:International ratio?

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...
by gks
Sat Jul 28, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: The Villages Florida
Replies: 14
Views: 4992

Re: The Villages Florida

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
by gks
Sat Jul 28, 2018 1:29 pm
Forum: Personal Investments
Topic: If Vanguard has 388 funds why should I stick with a 3 fund portfolio?
Replies: 15
Views: 2690

Re: If Vanguard has 388 funds why should I stick with a 3 fund portfolio?

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 ...
by gks
Tue Feb 27, 2018 11:30 pm
Forum: Personal Investments
Topic: Withdraw from 457?
Replies: 8
Views: 1172

Re: Withdraw from 457?

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...
by gks
Thu Feb 22, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: What is the most efficient method of taking RMDs from my IRA
Replies: 9
Views: 1865

What is the most efficient method of taking RMDs from my IRA

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...
by gks
Wed Feb 21, 2018 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Military FIRE; 7 years to go & losing motivation--HELP!
Replies: 49
Views: 7287

Re: Military FIRE; 7 years to go & losing motivation--HELP!

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...
by gks
Fri Feb 09, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: sudden overnight problem with spam email
Replies: 20
Views: 9144

Re: sudden overnight problem with spam email

DR,

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

https://www.youtube.com/watch?v=_QdPW8JrYzQ
by gks
Mon Nov 06, 2017 5:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 57
Views: 15628

Re: U.S. & International Allocation

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...
by gks
Sun Nov 05, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 5292

Re: Did I earn an extra hour of interest last night?

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 ...
by gks
Sun Nov 05, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 5292

Re: Did I earn an extra hour of interest last night?

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:/...
by gks
Sun Nov 05, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 5292

Re: Did I earn an extra hour of interest last night?

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:/...
by gks
Sun Nov 05, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 5292

Re: Did I earn an extra hour of interest last night?

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://...
by gks
Tue Oct 24, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: Ben Carlson on Mr. Bogle's Common Sense Investing
Replies: 5
Views: 2553

Re: Ben Carlson on Mr. Bogle's Common Sense Investing

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...
by gks
Tue Oct 24, 2017 12:14 am
Forum: Personal Investments
Topic: Is the Vanguard website down or is it just me?
Replies: 4
Views: 662

Re: Is the Vanguard website down or is it just me?

0112 EST

Logged in seems to be working

Greg
by gks
Sat Sep 23, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 75
Views: 9696

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

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...
by gks
Fri Dec 16, 2016 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Branch from our tree fell on neighbor's house ??
Replies: 60
Views: 8173

Re: Branch from our tree fell on neighbor's house ??

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...
by gks
Tue Dec 13, 2016 9:18 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 20966

Re: How old is your vehicle?

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