Search found 1141 matches

by John3754
Fri Jul 03, 2015 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: ex US stocks etf's
Replies: 4
Views: 281

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: 1235

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: 822

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: 3094

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: 746

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: 16775

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: 16775

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: 16775

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: 16775

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: 16775

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: 3038

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: 13645

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: 13645

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: 2482

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: 13645

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: 13645

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: 13645

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: 13645

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: 13645

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: 5329

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: 482

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: 4200

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: 4200

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: 4256

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: 6623

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: 103
Views: 10479

Re: Vanguard - Total Markets Four Fund Portfolio

You could do much worse.
by John3754
Sun Jun 07, 2015 5:22 pm
Forum: Investing - Theory, News & General
Topic: 3 Beautifully Boring, Balanced Funds
Replies: 14
Views: 2515

Re: 3 Beautifully Boring, Balanced Funds

BahamaMan wrote:
stemikger wrote:Great article about index funds. Boring is Good!!

http://investorplace.com/2015/02/best-v ... XS3YjY4nTY


Vanguard Wellesley Income is NOT an index Fund!


Neither is Vanguard Tax-Managed Balanced Fund.
by John3754
Sun Jun 07, 2015 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Do dividends keep up with inflation?
Replies: 6
Views: 1022

Re: Do dividends keep up with inflation?

Personally I think the question is inherently flawed. For the sake of argument say the answer is no, dividends have not kept pace with inflation, but total return has...is that situation more or less preferable than dividends that have kept pace with inflation but total return that has not?
by John3754
Sat Jun 06, 2015 12:53 am
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Investing
Replies: 43
Views: 2873

Re: Socially Responsible Investing

harmony wrote:Oil caused some volatility over the last year...


Petroleum is considered a "socially responsible" industry?
by John3754
Thu Jun 04, 2015 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Investing
Replies: 43
Views: 2873

Re: Socially Responsible Investing

Define socially responsible.
by John3754
Wed Jun 03, 2015 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: 26, 100k, no debt, no investments
Replies: 23
Views: 1543

Re: 26, 100k, no debt, no investments

I believe in the part where he says "start early" . You are right, I don't believe in blindly buying and holding an ETF at all time highs. This may not be the right forum for you, but stick around anyway. Starting early probably won't do you any good if the rest of your investment philoso...
by John3754
Wed Jun 03, 2015 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: International Funds
Replies: 9
Views: 1019

Re: International Funds

Does your analysis tell you anything at all about how these two funds will perform in the future?
by John3754
Tue Jun 02, 2015 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can my husband retire yet?
Replies: 110
Views: 13170

Re: Can my husband retire yet?

jbird11 wrote:What if something happens to you and your $90k income?


Thats what disability and life insurance are for, no?
by John3754
Sun May 31, 2015 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can my husband retire yet?
Replies: 110
Views: 13170

Re: Can my husband retire yet?

I'm somewhat surprised someone hasn't challenged the claim that a 700k portfolio that has 10k a year added to it will result in a $7,000,000 portfolio in 30 years. Well, one thing about the OPs story, not mentioned in this thread, that strikes me as potentially dangerous is that she posted a few mo...
by John3754
Sun May 31, 2015 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: To REIT or not to REIT
Replies: 27
Views: 3037

Re: To REIT or not to REIT

livesoft wrote:...Instead, I buy and hold and rebalance. I change my asset allocation to REITs from 0% to about 5% of the portfolio and back to 0%.


Going from 5% to 0% to 5% is not "buy, hold, and rebalance".
by John3754
Sun May 31, 2015 11:09 am
Forum: Investing - Theory, News & General
Topic: Equity/Bond Allocation - Do Same Rules Always Apply?
Replies: 9
Views: 1007

Re: Equity/Bond Allocation - Do Same Rules Always Apply?

Locutus wrote:...if I am on track with 10-12 yrs to go before retirement? Why not stay with equity allocation in the 80 to 85% range?


If you're 80% equities and the stock market drops 50% your portfolio could lose 40% of its value. How would you feel if that happened shortly before you plan on retiring?
by John3754
Sun May 31, 2015 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Why reinvest dividends?
Replies: 13
Views: 1842

Re: Why reinvest dividends?

nbseer wrote:Why not just buy at lower prices?


Why not just sell your entire portfolio right now and then buy at lower prices?
by John3754
Fri May 29, 2015 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Can my husband retire yet?
Replies: 110
Views: 13170

Re: Can my husband retire yet?

Can your family live happily from this point forward on only your $90k gross income minus taxes and minus at least some continued saving?
by John3754
Fri May 29, 2015 11:23 am
Forum: Personal Consumer Issues
Topic: Behavioral finance and restaurants
Replies: 72
Views: 6480

Re: Behavioral finance and restaurants

I flew 14 hours to Tokyo to eat sushi. One of the main reasons I travel is to experience the local cuisine.
by John3754
Wed May 27, 2015 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: After you pay off your house...then what?
Replies: 26
Views: 3563

Re: After you pay off your house...then what?

renue74 wrote:I add about $20K to $30K annually to our taxable account...depending on how business is going.


I would add the additional $17k to the $20 to $30k you're already contributing. It's that simple really.
by John3754
Wed May 27, 2015 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 34278

Re: much ado about coasting (through life)

These younger people are fortunate to have an early awareness of the bigger picture. BFG I am more stunned at the inability to have fulfilling lives while holding down a job. To me it is just another way of being out of balance and totally self focused. Maybe it is a generational thing but in my ex...
by John3754
Sun May 24, 2015 11:38 am
Forum: Investing - Theory, News & General
Topic: Stemikger "Volatility is far from synonymous with risk."
Replies: 152
Views: 10108

Re: Stemikger "Volatility is far from synonymous with risk."

Stemikger can correct me if I'm wrong, but I believe he's referring to Warren Buffett's definition of risk. Warren Buffett states that for long term investors, low volatility dollar denominated investments (bonds) are risker than volatile equity investments (stocks) because low volatility investment...
by John3754
Sun May 24, 2015 7:38 am
Forum: Investing - Theory, News & General
Topic: Advice from John Bogle and Warren Buffett
Replies: 35
Views: 2991

Re: Advice from John Bogle and Warren Buffett

Ok, invest around the world. I understand that but doesn`t the S&P 500 companies derive maybe half or more of their income from foreign entities? Maybe people over think too much and worry too much with investments and that is a detriment to them. Holding domestic corporations that derive profi...
by John3754
Sun May 24, 2015 12:46 am
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7694

Re: please confirm: early retirement

Retiring on $50K today at any age before 65 and Medicare is much more complicated than in the past. In todays market you need medical insurance that costs around $1K for a single person and $1.5K for a couple from what others here have said. Then you add on say $500 per year per person in actual me...
by John3754
Sat May 23, 2015 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Do I really need International equities in my portfolio ?
Replies: 87
Views: 6814

Re: Do I really need International equities in my portfolio ?

Your research has told you what international equities have done in the past, but has it told you what they'll do in the future?
by John3754
Sat May 23, 2015 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7694

Re: please confirm: early retirement

I think I know now not to ask Bogleheads if I can retire early when the time comes. If the OP can't retire given his financial situation, I don't know who can. Let me ask you, if he was 59 with the exact same circumstance do you think he would be in a better of worse position to retire? That may he...
by John3754
Sat May 23, 2015 2:25 pm
Forum: Investing - Theory, News & General
Topic: Advice from John Bogle and Warren Buffett
Replies: 35
Views: 2991

Re: advice from John Bogle and Warren Buffett

What you're doing here is "Argument from authority", which is a classic logical fallacy. X is an authority on a particular topic X says something about that topic X is therefore correct Appealing to the position of an authority or authorities to dismiss evidence is an extremely weak argume...
by John3754
Fri May 22, 2015 7:14 pm
Forum: Personal Consumer Issues
Topic: Questioning a dental hygienist ?
Replies: 14
Views: 1927

Re: Questioning a dental hygienist ?

Go somewhere else and get a second opinion.
by John3754
Thu May 21, 2015 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Friends/Family that don't invest!
Replies: 94
Views: 11231

Re: Friends/Family that don't invest!

I came to the conclusion a while ago that discussing finances with friends and family is generally not a great idea.
by John3754
Wed May 20, 2015 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Would a nervous self investor be better off with Wellington Fund?
Replies: 17
Views: 2316

Re: Would a nervous self investor be better off with Wellington Fund?

Only if a 38% decline in NAV does not affect your state of mind. Wellington dropped that much in value during the 2009 debacle in March. However, it rebounded quite nicely along with the rest of the market. The key is not to panic. Let the managers "manage" the fund, all you have to do is...

Go to advanced search