Search found 1165 matches

by John3754
Mon Jul 27, 2015 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: How long until a $10,000 loss matters?
Replies: 39
Views: 3283

Re: How long until a $10,000 loss matters?

Absolute amounts aside as they will obviously vary based on the size of your portfolio, if you're not financially and mentally prepared for a 30+% "loss" on the equity side of your portfolio then you may be overestimating your risk tolerance. For example, if you have a $1M portfolio that's...
by John3754
Sat Jul 25, 2015 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Protection against stock correctiom
Replies: 25
Views: 2440

Re: Protection against stock correctiom

For the sake of argument, I'm going to say high quality bonds are the best protection against a stock market correction.
by John3754
Fri Jul 24, 2015 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep/park your emergency fund?
Replies: 53
Views: 5270

Re: Where do you keep/park your emergency fund?

1st Tier: Vanguard Limited-Term Tax-Exempt Fund Admiral Shares (VMLUX).

2nd Tier: Series I Bonds.
by John3754
Mon Jul 20, 2015 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Need help reinvesting.
Replies: 4
Views: 378

Re: Need help reinvesting.

Any suggestions? Yes, these are my suggestions: 1 Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversify 5 Never try to time the market 6 Use index funds when possible 7 Keep costs low 8 Minimize taxes 9 Invest with simplicity 10 Stay the course https:...
by John3754
Thu Jul 16, 2015 4:46 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle in this Month's Money Magazine
Replies: 69
Views: 7088

Re: Jack Bogle in this Month's Money Magazine

Stemiker, Thanks for the update. It reinforces my feeling that international is not critical. After all since 4-29-96, the beginning of VGTSX, it has underperformed VTSMX $24k-$46k. This is not an insignificant amount, and using any other dates of comparison is cherry picking. Greg Yes, and we all ...
by John3754
Wed Jul 15, 2015 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Best place for ~$5k? Need low risk
Replies: 15
Views: 1395

Re: Best place for ~$5k? Need low risk

Your options are savings accounts or possibly short term bond funds, but he will have to be able to tolerate SOME risk with those. Nothing else that I can think of fits your criteria. Series I Bonds may be another option but they have to be "locked up" for 1 year before they can be withdra...
by John3754
Wed Jul 15, 2015 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Best place for ~$5k? Need low risk
Replies: 15
Views: 1395

Re: Best place for ~$5k? Need low risk

When do you need the money? Low risk or no risk?
by John3754
Wed Jul 15, 2015 10:07 am
Forum: Investing - Theory, News & General
Topic: Frontier Markets - 5% of portfolio?
Replies: 51
Views: 3226

Re: Frontier Markets - 5% of portfolio?

I'm no Burton Malkiel, but the way I see it is 5% isn't going to make or break you either way. Personally I say why bother?
by John3754
Wed Jul 15, 2015 6:38 am
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 6797

Re: I tipped 15% and got a dirty look

I've noticed that many places have started printing suggested tips on the receipts that are 15%, 20%, and 25% of the after tax total. I find this to be very irritating.
by John3754
Tue Jul 14, 2015 7:46 pm
Forum: Investing - Theory, News & General
Topic: How to invest if you start with delay?
Replies: 6
Views: 821

Re: How to invest if you start with delay?

I don't see what difference it makes whether you're starting with a large amount of cash or not or what age you start at, the ideas are still the same: 1 Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversify 5 Never try to time the market 6 Use index f...
by John3754
Tue Jul 14, 2015 5:25 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle in this Month's Money Magazine
Replies: 69
Views: 7088

Re: Jack Bogle in this Month's Money Magazine

Stemiker, Thanks for the update. It reinforces my feeling that international is not critical. After all since 4-29-96, the beginning of VGTSX, it has underperformed VTSMX $24k-$46k. This is not an insignificant amount, and using any other dates of comparison is cherry picking. Greg Yes, and we all ...
by John3754
Tue Jul 14, 2015 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Having Trouble buying big ticket item
Replies: 57
Views: 4541

Re: Having Trouble buying big ticket item

The painting had to be done as part of the renovation, I did it rather than pay for it. Money saved. I agree with the others, it's good that you saved money, but I don't think it's relevant to the current purchase. I need a car, I can buy a $10k used car or a $30k new car, if I choose the used car ...
by John3754
Tue Jul 14, 2015 4:51 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle in this Month's Money Magazine
Replies: 69
Views: 7088

Re: Jack Bogle in this Month's Money Magazine

Thanks Stemikger, we can always count on you for our weekly reminder that Jack and Warren don't recommend international, and that Jack (and you) like the balanced index fund. Without you we all might forget! :wink:
by John3754
Tue Jul 14, 2015 11:50 am
Forum: Investing - Help with Personal Investments
Topic: I-Savings Bonds
Replies: 29
Views: 3942

Re: I-Savings Bonds

I lack understanding on this - why would anyone be buying any savings bonds when the rate is so low? 0% interest doesn't even beat my crummy checking account. Mike I Bonds are insurance against future inflation. Your crummy checking account may be beating them right now, but if inflation rears its ...
by John3754
Mon Jul 13, 2015 11:41 am
Forum: Investing - Help with Personal Investments
Topic: I-Savings Bonds
Replies: 29
Views: 3942

Re: I-Savings Bonds

Like Victoria, I do a single max allotment purchase once a year, I count it as part of my fixed income allocation with the idea that it will provide me with $10k real (minus taxes) income every year 30 years from now. Regarding what happened with the unexpected jump in the fixed rate, yes, the same ...
by John3754
Sun Jul 12, 2015 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Have $ to invest...Too risky to get into equities now?
Replies: 33
Views: 2507

Re: Have $ to invest...Too risky to get into equities now?

Toons wrote:15 years?
l say Index Fund and let it "ride" and compound along the way ,reinvesting dividends and capital gains :happy


Easy to say that someone should be 98+% stocks at 45 when its not your money on the line.
by John3754
Sun Jul 12, 2015 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Have $ to invest...Too risky to get into equities now?
Replies: 33
Views: 2507

Re: Have $ to invest...Too risky to get into equities now?

So what is the right Vanguard vehicle to mitigate some of the risk? A well diversified bond fund? Aren't we concerned that there is a bond bubble, as well? You have 98% of your money in stocks, which could drop by 30% or more at any time, but you're worried about bonds dropping by a few percent? Th...
by John3754
Sun Jul 12, 2015 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Have $ to invest...Too risky to get into equities now?
Replies: 33
Views: 2507

Re: Have $ to invest...Too risky to get into equities now?

Market timing doesn't work.

If investing your windfall in stocks feels too risky for you, then it sounds like your asset allocation (98% stocks) isn't correct for your risk tolerance.
by John3754
Sat Jul 11, 2015 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Does Anyone Plan to Work Past 70 years of Age
Replies: 63
Views: 5491

Re: Does Anyone Plan to Work Past 70 years of Age

Don't understand your "human capital" reference. If a person's main reason to live is to work and make/earn money, then retiring at any age will never be satisfying for these types. There are so many things a person can do to be an asset to society and have a fulfilling retirement than ju...
by John3754
Fri Jul 10, 2015 6:54 pm
Forum: Investing - Theory, News & General
Topic: John Bogle vs. the Bogleheads
Replies: 49
Views: 3985

Re: John Bogle vs. the Bogleheads

Jack has said that about the Total Bond, but he also says, of you are in a very high tax bracket you may want to add Munis, but the Total Bond will be fine for most. So, no corporate bonds, just the Total Bond (one fund). So why no corporates? If Jack says that the total bond index is seriously fla...
by John3754
Fri Jul 10, 2015 6:25 am
Forum: Investing - Help with Personal Investments
Topic: Current rebalancing opportunities (Jul 2015 update)
Replies: 26
Views: 5117

Re: Current rebalancing opportunities (Jul 2015 update)

Livesoft, you post a LOT about looking for rebalancing "opportunities", I sometimes wonder what you must think of us who rebalance based on the calendar (say quarterly, biannually, or annually), rather than constantly scouring the markets for "opportunities" or "RBDs". ...
by John3754
Thu Jul 09, 2015 10:53 pm
Forum: Investing - Theory, News & General
Topic: John Bogle vs. the Bogleheads
Replies: 49
Views: 3985

Re: John Bogle vs. the Bogleheads

As many know, I follow Jack to the letter. Oh really, is that so? Jack Bogle says that the total bond market index is broken because it is overweight in treasuries and so he invests in corporate bond funds too, do you do that? Jack Bogle invests in muni bond funds, do you do that? Jack Bogle invest...
by John3754
Sun Jul 05, 2015 6:08 pm
Forum: Investing - Theory, News & General
Topic: BullionDirect.com suspends operations. Looks like another implosion/scam
Replies: 67
Views: 6185

Re: BullionDirect.com suspends operations. Looks like another implosion/scam

Someone posted that gold is speculating not investing, again it all depends on your POV and reasons for being 'in' gold...I could put forward the view that going out to work each day is speculating as your employer may not be there finacially at the end of the week/month etc...as i say its a POV an...
by John3754
Fri Jul 03, 2015 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: ex US stocks etf's
Replies: 4
Views: 335

Re: ex US stocks etf's

If you already have VT then why do you need VWO, or VXUS for that matter?
by John3754
Wed Jul 01, 2015 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: international rbd [Really Bad Day]
Replies: 18
Views: 1558

Re: international rbd

According to Livesoft's definition 2.7% would not be a "RBD".
by John3754
Tue Jun 30, 2015 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with old I-bond we just found?
Replies: 7
Views: 867

Re: What to do with old I-bond we just found?

abuss368 wrote:Yes!

Jack Bogle: Simplicity is the master key to financial success!


Holding on to some paper savings bonds isn't exactly that complex.
by John3754
Mon Jun 29, 2015 10:38 pm
Forum: Investing - Theory, News & General
Topic: Am I in a Bad Position?
Replies: 26
Views: 3558

Re: Am I in a Bad Position?

If a 2% drop has you shaky then what would a 30% drop do? Perhaps its time to reexamine your risk tolerance, its possible that 100% stocks is not right for you.
by John3754
Fri Jun 26, 2015 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: In my 20s; should I sell EDV? [Vanguard Extended Duration Treasury]
Replies: 6
Views: 824

Re: In my 20s; should I sell EDV?

Never mind what I think, what do you think about your own plan, which is to sell asset A after it has dropped in order to buy more of asset B after it has gone up, all based on speculation about what the market is going to do over the next decade? Why did you buy EDV in the first place? What role di...
by John3754
Thu Jun 25, 2015 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 17789

Re: Is it worth aspiring to get more?

. It seems to me that there are people who work to live and people who live to work, and I think these two groups cannot relate and often talk past each other. That's a cliche. It's not that black and white. Some of us do exist in the middle. I didn't mean that there are ONLY people who work to liv...
by John3754
Thu Jun 25, 2015 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 17789

Re: Is it worth aspiring to get more?

Isn't the above scenario something Mr. Bogle went through? I believe he had heart problems and was told he didn't have long to live (please someone correct me if I remembered incorrectly). He promptly returned to work like nothing had happened, and as we all know, the rest is history. This seems a ...
by John3754
Thu Jun 25, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 17789

Re: Is it worth aspiring to get more?

But honestly is everyone's work environment so bad they would rather be home watching daytime TV than be at work? Why are these my only two choices? Why can't I be fishing, hiking, cooking, reading, spending time with family, picnicking, exercising, taking road trips, gardening, etc, etc. I can thi...
by John3754
Sun Jun 21, 2015 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 17789

Re: Is it worth aspiring to get more?

Asking again, isn't this just a slight variation of your prior post in which you discussed how fortunate you felt for being able to retire early but how you weren't sure if you wanted to or not? As I recall, that whole thread was whether it made sense to continue working even though you didn't need...
by John3754
Fri Jun 19, 2015 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 17789

Re: Is it worth aspiring to get more?

I enjoy my work, love the people I work with (all very smart) but it is by nature high stress and very consuming M-F. Do not underestimate the stress that can come from no longer enjoying your work with people that you love. When I became a SAHD, I found that I started living my wife's job vicariou...
by John3754
Wed Jun 17, 2015 8:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard announces plans for money market fund lineup
Replies: 15
Views: 3113

Re: Vanguard announces plans for money market fund lineup

I currently see little use for money market funds of any flavor, personally.
by John3754
Wed Jun 17, 2015 4:59 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 14349

Re: Gifting Money at Parties

Many guests not only want to attend a wedding, but also want to give a gift. For folks who state "No gifts", I think you should help your guests feel better and let them give gifts. Even if a late-model couple have everything they need, guests may still want to gift a symbol of their frie...
by John3754
Tue Jun 16, 2015 8:54 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 14349

Re: Gifting Money at Parties

stoptothink wrote:I already received a personal thank you note from the bride for my contribution to the group gift, as did every other co-worker...


Well of course you did, because for the host not to send a thank you note would be tacky, regardless of what the gift was.
by John3754
Tue Jun 16, 2015 8:08 pm
Forum: Personal Consumer Issues
Topic: Help me choose an EXPENSIVE* red wine for a gift
Replies: 22
Views: 2544

Re: Help me choose an EXPENSIVE* red wine for a gift

I've been on both the giving and receiving end of these kinds gifts and can tell you from personal experience that this is a difficult proposition. While the sentiment is appreciated and the receiver is always going to be grateful, it can be awkward and generally doesn't accomplish what you intend i...
by John3754
Mon Jun 15, 2015 7:49 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 14349

Re: Gifting Money at Parties

So I learned something today, apparently the rule of thumb, one that I've heard all my life, is considered poor etiquette. That's very interesting. I even received a PM from a forum member who was nice enough to explain to me why this rule of thumb is just plain wrong. So let me see if I've got this...
by John3754
Sun Jun 14, 2015 2:09 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 14349

Re: Gifting Money at Parties

The idea is not to cover the brides $10k dress or $20k in flowers, its to cover the food/drinks you're personally consuming. In other words if it cost them $150 for you and your significant other's dinner, then you should try to cover that expense. It's meant as a rough guide. Again, perhaps in mos...
by John3754
Sun Jun 14, 2015 1:29 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 14349

Re: Gifting Money at Parties

We went to the wedding of one of my co-workers on Friday. Our gift: $10... How much do you think it cost the couple getting married for you and your significant other to attend their wedding? I fail to see how that is relevant, it also never crossed the mind of all my other co-workers. Do you ask t...
by John3754
Sun Jun 14, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 14349

Re: Gifting Money at Parties

We went to the wedding of one of my co-workers on Friday. Our gift: $10... How much do you think it cost the couple getting married for you and your significant other to attend their wedding? I fail to see how that is relevant, it also never crossed the mind of all my other co-workers. Do you ask t...
by John3754
Sun Jun 14, 2015 12:24 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 14349

Re: Gifting Money at Parties

stoptothink wrote:We went to the wedding of one of my co-workers on Friday. Our gift: $10...


How much do you think it cost the couple getting married for you and your significant other to attend their wedding?
by John3754
Sat Jun 13, 2015 4:39 pm
Forum: Personal Consumer Issues
Topic: Coffee - just starting out
Replies: 43
Views: 5698

Re: Coffee - just starting out

If I were you I'd forget about the espresso, just make concentrated cold brewed coffee and use that in your blended drink. This requires nothing more than a jar to steep the coffee and water in.
by John3754
Sat Jun 13, 2015 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Int Term Tax-Exempt --> CA Int Term Tax-Exempt?
Replies: 4
Views: 498

Re: TLH Int Term Tax-Exempt --> CA Int Term Tax-Exempt?

What happens if after 60 days you have a capital gain on the California fund and selling out of it would be a taxable event?
by John3754
Fri Jun 12, 2015 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Individual stocks that have outperformed the market
Replies: 41
Views: 4392

Re: Individual stocks that have outperformed the market

Sorry to all the diehard BH posters, but yes, an individual investor can outperform the markets. It may well be easier for an individual than for the managers of large funds because small purchases do not move the market. Not easy. Requires careful company selection and willingness to hold through ...
by John3754
Fri Jun 12, 2015 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Individual stocks that have outperformed the market
Replies: 41
Views: 4392

Re: Individual stocks that have outperformed the market

If it were that simple, just pick a basket of stocks that have historically beaten the market, wouldn't every active mutual fund manager be able to simply pick those stocks and beat the market? Clearly the logic here is flawed.
by John3754
Thu Jun 11, 2015 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: High Growth Portfolio for a Wealth Building Fund
Replies: 41
Views: 4354

Re: High Growth Portfolio for a Wealth Building Fund

... I do, however, see from several of the posts on here that I can do the Backdoor and it is a better deal than I thought. This is probably the direction I will go in. You mentioned in another post above that you " have substantial assets in a Traditional IRA "...this complicates the bac...
by John3754
Thu Jun 11, 2015 5:53 am
Forum: Investing - Help with Personal Investments
Topic: Why does Jack Bogle have no international funds
Replies: 69
Views: 6888

Re: Why does Jack Bogle have no international funds

Twins Fan wrote:Now, wait for it...... but, Japan... :D


Can you explain why you think the Japan argument is irrelevant/invalid?
by John3754
Mon Jun 08, 2015 8:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - Four Fund Portfolio
Replies: 118
Views: 13957

Re: Vanguard - Total Markets Four Fund Portfolio

You could do much worse.

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