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Re: Do you regret buying your home?

Owning home is like having an unpaid part-time job working for the bank maintaining their investment. When the mortgage is paid, you get a house that is 30 years older and in need of more repair. :D I don't agree with you. Care to elaborate? I thought expat's statement was clever. The maintenance f...
by John3754
Thu Oct 23, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 55
Views: 3085

Re: Do you regret buying your home?

anonforthis wrote:
expat wrote:Owning home is like having an unpaid part-time job working for the bank maintaining their investment. When the mortgage is paid, you get a house that is 30 years older and in need of more repair. :D


I don't agree with you.


Care to elaborate? I thought expat's statement was clever.
by John3754
Thu Oct 23, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 55
Views: 3085

Gift ideas for [1yo boy and 4yo girl]?

Looking for some good birthday gift ideas for a friend's kids, a 1 year old boy and a 4 year old girl.

Thanks!
by John3754
Thu Oct 23, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Gift ideas for [1yo boy and 4yo girl]?
Replies: 9
Views: 477

Re: Do you regret buying your home?

I don't currently own but I have in the past and it was not the best experience for me. The amount of time and expense that it takes to maintain a house, outside of writing the mortgage check every month, felt overwhelming at times. There are certainly pros to owning your own home and property and n...
by John3754
Thu Oct 23, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 55
Views: 3085

Re: What is the recommended amount of international holdings

This is a debated topic, recommendations range from 0%-50%, and unfortunately theres really no "correct" answer. Vanguard recommends 20%-40% and in my opinion this is very reasonable.

I'm curious why you'd choose international explorer over total international index?
by John3754
Thu Oct 23, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the recommended amount of international holdings?
Replies: 5
Views: 581

Re: Bogle and dry powder

DEFINITION OF 'DRY POWDER' A slang term referring to marketable securities that are highly liquid and considered cash-like. Dry powder may also refer to cash reserves kept on hand to cover future obligations or purchase assets, if conditions are favorable. Securities considered to be dry powder coul...
by John3754
Thu Oct 23, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 25
Views: 1504

Re: Bogle and dry powder

I've heard him say quite plainly that stocks have the highest expected return but most investors do not have the stomach for a 100% stock portfolio, that's why it's recommended to invest in bonds. When he uses the phrase "dry powder" it seems to me that he's saying "money not exposed ...
by John3754
Thu Oct 23, 2014 9:16 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 25
Views: 1504

Re: A MM account or not?

MM funds are essentially useless at this point in time in my opinion. Why use a MM fund yielding 0.01% when you can use an FDIC insured bank account yielding 0.9%?
by John3754
Wed Oct 22, 2014 8:40 pm
 
Forum: Investing - Theory, News & General
Topic: A MM account or not?
Replies: 5
Views: 628

Re: Vanguard Emerging Markets Stock Yield

The comparison you're making is meaningless.
by John3754
Wed Oct 22, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Emerging Markets Stock Yield
Replies: 6
Views: 702

Re: I feel I did the Right thing , but NOW WHAT?

You say your bills are $3300 a month, can you give us a detailed budget of where that money is going?
by John3754
Sun Oct 19, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: I feel I did the Right thing , but NOW WHAT?
Replies: 36
Views: 5192

Re: I feel I did the Right thing , but NOW WHAT?

Cut expenses, find a job, get help for your mental health.
by John3754
Sun Oct 19, 2014 12:11 am
 
Forum: Personal Finance (Not Investing)
Topic: I feel I did the Right thing , but NOW WHAT?
Replies: 36
Views: 5192

Re: Cash in liquid savings

Michael_Fisher1 wrote:right now im looking back to 09 and wish i knew then what i know now


We're all looking back to 09 and wishing that we knew then what we know now, but it does you no good. Drive by looking forward, not in the rear view mirror.
by John3754
Sat Oct 18, 2014 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash in liquid savings
Replies: 13
Views: 1175

Re: Stocks as long term investments

Michael_Fisher1 wrote:IBM is still rated as a strong buy but there are probably better stocks to put your money in.


Looks like Warren disagrees with you:

http://www.forbes.com/sites/gurufocus/2 ... timizely=a
by John3754
Sat Oct 18, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks as long term investments
Replies: 52
Views: 3487

How does one hedge against deflation?

What could one do in order to hedge against the possibility of a period of deflation?
by John3754
Sat Oct 18, 2014 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: How does one hedge against deflation?
Replies: 52
Views: 3800

Re: Mega bus vacation with toddlers.

Sounds like a nightmare...for everyone around you.
by John3754
Sat Oct 18, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 1893

Re: Stocks as long term investments

If you already own the index then buying individual stocks is not increasing your diversification, but it is increasing your risk.
by John3754
Sat Oct 18, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks as long term investments
Replies: 52
Views: 3487

Re: Feeling very fortunate today!

Stocks are rallying, does that make you feel fortunate or unfortunate?
by John3754
Fri Oct 17, 2014 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6134

Re: Feeling very fortunate today!

A confirmed case of OMY syndrome. Changing your retirement plans b/c the market has "pulled back" to 1860? What if it goes back up to 2000? What if over the course of the next year it continues to drop? Will you work 2 more years? 3 more? Being in my mid-50s and having a really good job I...
by John3754
Wed Oct 15, 2014 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6134

Re: Feeling very fortunate today!

A confirmed case of OMY syndrome.

Changing your retirement plans b/c the market has "pulled back" to 1860? What if it goes back up to 2000? What if over the course of the next year it continues to drop? Will you work 2 more years? 3 more?
by John3754
Wed Oct 15, 2014 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6134

Re: investing in bear market

Remember ,7 straight quarters of S&P gains,only the second time in history.Volatility is an inherent part of investing,otherwise it would be easy .:sharebeer While that's all true it has nothing to do with the OPs question, which was whether or not it's ok to rebalance by directing new contribu...
by John3754
Wed Oct 15, 2014 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing in bear market
Replies: 29
Views: 2245

Re: investing in bear market

Remember ,7 straight quarters of S&P gains,only the second time in history.Volatility is an inherent part of investing,otherwise it would be easy .:sharebeer While that's all true it has nothing to do with the OPs question, which was whether or not it's ok to rebalance by directing new contribu...
by John3754
Wed Oct 15, 2014 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing in bear market
Replies: 29
Views: 2245

Re: investing in bear market

With the bear market likely here, and with allocations to stock % dropping, should I invest new monthly savings (not rebalancing money) into the market to bring up my allocation in stocks, or should i invest it per my desired allocation (60/40), and then just reblance yearly to make in 60/40? I don...
by John3754
Wed Oct 15, 2014 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: investing in bear market
Replies: 29
Views: 2245

Re: Siren song of increased stock allocation

When the S&P500 hit 1,600 people were saying the market was overvalued, when it hit 1,700 more people were saying it was overvalued, 1,800 more, 1,900 more, and 2,000 even more... Today the market is at 1,877 and all of a sudden people are talking like there's some big bargain...this is complete...
by John3754
Wed Oct 15, 2014 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Siren song of increased stock allocation
Replies: 38
Views: 2897

Re: It's a good day to be heavy in REITs

Good grief. Have your fun, InvestorNewb but please reassure me that you are perfectly aware of 2008-2009. Losing half your money in the stock market is tough, but losing 2/3 of it in Vanguard REIT Index Fund is tougher. By all means invest in REITs if it makes sense to you, and I'm glad it's been a...
by John3754
Tue Oct 14, 2014 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 3976

Re: Relatively new here. What did you do in 2008/09

Interesting that Bogle himself was recommending a sell off (if you can't afford it) http://www.cnbc.com/id/27083747/ I think this is the important take home point of this interview: "He said if investors had stuck to an age-related retirement formula, in which your bond position equals your ag...
by John3754
Tue Oct 14, 2014 1:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6818

Re: Relatively new here. What did you do in 2008/09

I've only been around here for a few years too, but I've seen links to a few threads from during the crash that discussed a so called "Plan B". This basically boiled down to previously die hard buy and hold stay the course investors proclaiming "I've sustained all the loses I can take...
by John3754
Tue Oct 14, 2014 12:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6818

Re: Any reason not to buy the International Bond Index Fund?

Higher fees, higher risk, questionable benefit.
by John3754
Tue Oct 14, 2014 12:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Any reason not to buy the International Bond Index Fund?
Replies: 15
Views: 1851

Re: Why not 100% Stocks?

One thing I don't quite understand is why not weight the portfolio almost exclusively in stocks. Their return over the long haul seems to greatly trump Bonds, CDs, etc. What role do bonds play in a portfolio, except perhaps access to liquidity. If my short term cash needs are not large, shouldn't I...
by John3754
Tue Oct 14, 2014 12:10 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20450

Re: International bond fund

There's debate over whether or not the increased diversification is worth the increased risk.
by John3754
Mon Oct 13, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: International bond fund
Replies: 2
Views: 341

Re: Gold: Is now the time?

You're asking us to tell the future.
by John3754
Mon Oct 13, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Gold: Is now the time?
Replies: 36
Views: 2297

Re: Dividing up Target Date Fund

skeptic88 wrote:Granted i tend to overthink things, however; I do like to get different opinions from different people


This is not really a matter of opinion.
by John3754
Mon Oct 13, 2014 1:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Dividing up Target Date Fund
Replies: 4
Views: 439

Re: What Do You Keep In Your Bank Safe Deposit Box?

Nothing because the only box that my local branch would offer me was so ridiculously small it would have been essentially useless!
by John3754
Mon Oct 13, 2014 1:30 am
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2569

Re: Dividing up Target Date Fund

You exchange the target date fund for its constituent funds...thats it. If you do this in a tax advantaged account there are no consequences, if you do it in a taxable account there could be tax consequences. You've asked the same question in how many threads now?
by John3754
Mon Oct 13, 2014 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Dividing up Target Date Fund
Replies: 4
Views: 439

Re: Current market volatility

Michael_Fisher1 wrote:Profit from the gains i made and keep buying in when stocks get cheap :)


What percentage of your portfolio do you hold in cash waiting for "opportunities" to show up?
by John3754
Sat Oct 11, 2014 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: Current market volatility
Replies: 21
Views: 1633

Re: Wine - how to keep it from not spoiling?

I've been called "a wine snob". I've been using CORAVIN since shortly after it came on the market. My experience is that with that system i can preserve almost completely the finer aspects of very good bottles of wine for at least several weeks. The product is fairly expensive. Each argon...
by John3754
Fri Oct 10, 2014 10:33 pm
 
Forum: Personal Consumer Issues
Topic: Wine - how to keep it from not spoiling?
Replies: 57
Views: 2818

Re: Wine - how to keep it from not spoiling?

That request is a contradiction in itself IMO, what makes your wine go bad is likely the oxidation with air getting into the bottle - however at the same time you want oxidation (some wines more, some wines less - that's what aeration is good for) to give the complexity of the wine its full range.....
by John3754
Fri Oct 10, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Wine - how to keep it from not spoiling?
Replies: 57
Views: 2818

Re: Wine - how to keep it from not spoiling?

What about the wine goes bad? Wine oxidizes quickly once opened, it's still drinkable but it does not taste as good. Then how come they sell an expensive gadget to aerate the wine immediately after opening? Aerating the wine to "open it up" immediately before consumption is different than...
by John3754
Fri Oct 10, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Wine - how to keep it from not spoiling?
Replies: 57
Views: 2818

Re: Wine - how to keep it from not spoiling?

Bonus: a grolsch style beer bottle and a half wine bottle w/ a screwcap work even better since they are more airtight than a cork. I have used grolsch style bottles for this exact purpose in the past and it does work fairly well. Transfer gently as to not aerate the wine in the process and fill to ...
by John3754
Fri Oct 10, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Wine - how to keep it from not spoiling?
Replies: 57
Views: 2818

Re: Wine - how to keep it from not spoiling?

4nursebee wrote:What about the wine goes bad?


Wine oxidizes quickly once opened, it's still drinkable but it does not taste as good.
by John3754
Fri Oct 10, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Wine - how to keep it from not spoiling?
Replies: 57
Views: 2818

Re: Wine - how to keep it from not spoiling?

They sell canisters of inert gas that you spray into the headspace of the bottle to displace the oxygen. These work well, I know that at least some fine restaurants use them.
by John3754
Fri Oct 10, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Wine - how to keep it from not spoiling?
Replies: 57
Views: 2818

Re: Market corrections and rebalancing band

I think people over think this, for me rebalancing is about maintaining my target risk level, not trying to outsmart the market. I check on my portfolio quarterly, and rebalance every 6 months, regardless of what the market does on a day to day basis in between. Doing any more active management than...
by John3754
Fri Oct 10, 2014 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Market corrections and rebalancing band
Replies: 71
Views: 4065

Re: Dollar cost averaging

So say the market drops one day then you add 10%, then it goes down again 5 days later and you add another 10% and so on...it wouldnt be more advantageous to follow this method? What if you held money out of the market so you can DCA and instead of going down the market goes up? Then what do you do?
by John3754
Thu Oct 09, 2014 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: Dollar cost averaging
Replies: 21
Views: 1277

Re: Dollar cost averaging

Michael_Fisher1 wrote:so when investing into an index fund or ETF its better in the long run to make contributions in increments?


That is the opposite of what was said above.
by John3754
Thu Oct 09, 2014 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Dollar cost averaging
Replies: 21
Views: 1277

Re: Dollar cost averaging

What are you trading and why are you trading it instead of buying and holding? And why do you think dollar cost average is better than lump sum?
by John3754
Thu Oct 09, 2014 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: Dollar cost averaging
Replies: 21
Views: 1277

Re: Mid and small cap exposure?

international equity seems to be doing poorly now- im surprised you have 25% in there Bogleheads don't change their asset allocation based on what's been doing well or poorly. Increasing exposure to what's been doing well and decreasing exposure to what's been doing poorly (like you're implying) is...
by John3754
Thu Oct 09, 2014 7:20 am
 
Forum: Investing - Theory, News & General
Topic: Mid and small cap exposure?
Replies: 23
Views: 2278

Re: Is this smart?

Roth IRA, I am wondering that if my shares have appreciated and I sell the target date and by the individual funds then I will be selling low priced shares and buying high priced shares. This question was already answered in your other thread. http://www.bogleheads.org/forum/viewtopic.php?f=1&t...
by John3754
Wed Oct 08, 2014 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this smart?
Replies: 19
Views: 1388

Re: Is this smart?

What type of account?
by John3754
Wed Oct 08, 2014 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this smart?
Replies: 19
Views: 1388

Re: Mid and small cap exposure?

I checked with Fidelity today - they said its large cap only Well, that's wrong, it is a TOTAL MARKET index fund. From Fidelity's website: "Spartan® Total Market Index Fund is a diversified domestic all-cap equity fund that seeks to closely track the returns and characteristics of the Dow Jone...
by John3754
Wed Oct 08, 2014 8:34 pm
 
Forum: Investing - Theory, News & General
Topic: Mid and small cap exposure?
Replies: 23
Views: 2278

Re: Mid and small cap exposure?

FSTVX is a large blend and FFNOX is an asset allocation fund FSTVX is a total stock market index fund, it includes every stock in the US stock market. It will be listed as a large cap blend because its cap weighted and therefore the majority of its value is in large caps but it still has all of the...
by John3754
Wed Oct 08, 2014 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Mid and small cap exposure?
Replies: 23
Views: 2278
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