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by epictetus
Sun May 17, 2015 7:01 pm
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 118
Views: 8808

Re: What's so great about simplicity?

i think one of the main advantages, and a big advantage for me, is to help reduce behavioral mistakes.
by epictetus
Sun May 17, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage or Mutual Fund
Replies: 7
Views: 535

Re: Mortgage or Mutual Fund

if paying off the debt fits you better i would encourage you to do that.

you have a good situation (extra money) and are choosing between two good options (paying off debt or taxable investing).

none of the options are bad :happy
by epictetus
Sat May 16, 2015 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Do I need umbrella coverage?
Replies: 15
Views: 1917

Re: Do I need umbrella coverage?

would suggest getting the umbrella coverage.

the percentage of your yearly income you would be spending on the umbrella premium is tiny.
by epictetus
Sat May 16, 2015 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Please help me with my 401k 31 year old single male
Replies: 15
Views: 1348

Re: Please help me with my 401k 31 year old single male

one of the target retirement funds would be a great option. and that one fund is all you need.
by epictetus
Sun May 10, 2015 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: An Out of Whack SUDHI, Frank Armstrong, Scottwil Portfolio
Replies: 8
Views: 761

Re: An Out of Whack SUDHI, Frank Armstrong, Scottwil Portfolio

within the tax-deferred accounts: in the accounts possible how about using the total stock index fund, total international stock index fund and the total bond index fund? in the accounts where not possible how about the equity index? not sure what options are available in the American Funds IRA? I t...
by epictetus
Sun May 03, 2015 9:16 am
Forum: Investing - Help with Personal Investments
Topic: I do not understand these 401k choices
Replies: 12
Views: 1050

Re: I do not understand these 401k choices

what is the cost/expense ratio to do the Vanguard Target Retirement Fund option?

picking one of those with the stock/bond allocation you want and putting it all there would likely be a great option as long as there are no significant costs that have been added onto that option
by epictetus
Sun Apr 26, 2015 1:24 pm
Forum: Investing - Theory, News & General
Topic: Anyone have an asset allocation not based on percentages?
Replies: 26
Views: 2410

Re: Anyone have an asset allocation not based on percentages

there was a thread here yesterday or the day before (i looked for it but didn't find it) re: Frank Armstrong's advice to have one year of expenses in cash, 5-7 years in bonds, and the rest in stocks. was a nice discussion of that approach with a link to a morningstar article with more details.
by epictetus
Sun Apr 26, 2015 1:08 pm
Forum: Personal Consumer Issues
Topic: Car Accident - Honda Civic for Replacement?
Replies: 13
Views: 1273

Re: Car Accident - Honda Civic for Replacement?

i second the idea of looking at the civic and corolla. to me the small cars becoming larger over time is a draw back. i have a 2002 civic and like that size very well. we bought a 2012 corolla and it is/feels like it is almost as large as the 2000 accord we had. when we bought the corolla i wished w...
by epictetus
Sun Apr 19, 2015 1:19 pm
Forum: Personal Consumer Issues
Topic: Marginal benefit of spending more on car
Replies: 83
Views: 6833

Re: Marginal benefit of spending more on car

how many miles do you drive per year?
i think paying for a new Civic or Corolla makes sense if you are going to keep it a long time.
anything more expensive than those are not worth the additional cost in my view.
by epictetus
Sun Apr 12, 2015 7:37 pm
Forum: Investing - Theory, News & General
Topic: 401k "Fee Freedom" Day
Replies: 11
Views: 1145

Re: 401k "Fee Freedom" Day

with those 2 funds you are set. and that will mean a lot more money in your pocket now and over time.
by epictetus
Sat Apr 04, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: The train from Oslo to Copenhagen? Copenhagen ideas?
Replies: 25
Views: 1618

Re: The train from Oslo to Copenhagen? Copenhagen ideas?

check out Rick Steves' website/books/videos on the places you are visiting. he usually provides great information re: what to see. he leans toward B&Bs so that may or may not be what you desire. but his info re: what to see, how to get around efficiently, etc. is usually very helpful
by epictetus
Sun Mar 29, 2015 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: AA advice for 57 year old of modest means
Replies: 13
Views: 2452

Re: AA advice for 57 year old of modest means

if you feel you could handle a max 20% loss then would suggest roughly 40% in stocks. if you used Bogle's rule of thumb re: "age in bonds" that would put you in 43%stock/57% bond. so right at 40% in stocks sounds about right given your risk tolerance. and is very much in line with Bogle's ...
by epictetus
Sat Mar 21, 2015 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Convert paoer Ibonds to electronic?
Replies: 6
Views: 691

Re: Convert paoer Ibonds to electronic?

would encourage you to consider keeping the paper bonds. when i looked into this in the past, there was no protection if someone hacked your account and stole your electronic bonds. that liability was yours. i realize there may only be a small risk of that happening but it is a risk which is avoidab...
by epictetus
Tue Mar 10, 2015 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Advice For a Little Investor
Replies: 18
Views: 1628

Re: Advice For a Little Investor

with the STAR fund you are actually buying many different funds all at once (Taylor's post indicated 11 different funds within the STAR fund).
i would suggest just adding to that for now.
if you decide you want to do something else later it won't be a problem to make the change.
by epictetus
Sun Mar 08, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: Disposing of old greeting/holiday cards
Replies: 21
Views: 1218

Re: Disposing of old greeting/holiday cards

it makes sense to her to keep the cards
she has room to store them.
they are not causing anyone any problem.
there is enough suffering and sadness in the world with aging and loss, etc.
i would suggest helping here thin out what she identifies that she wants to thin out and leave the cards alone
by epictetus
Tue Mar 03, 2015 7:36 pm
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 5946

Re: Taylor Larimore Honored

Congratulations Mr. Larimore.
Thank you for being who you are!!
by epictetus
Sun Mar 01, 2015 2:30 pm
Forum: Personal Consumer Issues
Topic: Replace or repair dishwasher
Replies: 26
Views: 1404

Re: Replace or repair dishwasher

I would second the idea of making sure the drain hose from the dishwasher to the disposal is not lying flat. It needs to go up higher than the disposal before it goes into the disposal or otherwise material from the disposal will flow back into the dishwasher.
by epictetus
Sat Feb 21, 2015 8:23 pm
Forum: Personal Consumer Issues
Topic: On line product reviews vs Consumers Reports
Replies: 37
Views: 2988

Re: On line product reviews vs Consumers Reports

I also am a very long-time (over 20 years) subscriber and don't make any significant purchases without reading the reviews in Consumer Reports. Like Nisi I also do not like the direction the magazine is going with less pages and less and less data included. I don't think there is a publication compa...
by epictetus
Sat Feb 21, 2015 8:17 pm
Forum: Investing - Theory, News & General
Topic: Letters to my Senators/Congressman re Bogle Medal of Freedom
Replies: 5
Views: 511

Re: Letters to my Senators/Congressman re Bogle Medal of Fre

if i remember correctly, Obama had investments at Vanguard prior to becoming President. I think he was invested in 2 funds (I think Wellington and something else but I might really be remembering incorrectly on that part).

So that might help re: he might be familiar with Vanguard, Mr. Bogle, etc.
by epictetus
Sat Feb 21, 2015 4:22 pm
Forum: Personal Consumer Issues
Topic: Problems with Internet Explorer
Replies: 24
Views: 1781

Re: Problems with Internet Explorer

at one point i decided to use IE and Microsoft SEcurity Essentials on my Windows Vista laptop and thought by using all three products from MS that should make things run well. the only time I have ever had a computer crash was when i was using this set up and it happened multiple times. i stopped us...
by epictetus
Wed Feb 18, 2015 7:44 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 174
Views: 12507

Re: What is your favorite consumer product?

SAS shoes.
they are expensive but last for years and years of daily wear while maintaining their look and comfort. It is the only shoe brand I have used for shoes for work for many years.

And they are made in USA (the SAS stands for San Antonio Shoes)
by epictetus
Mon Feb 16, 2015 6:47 pm
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2762

Re: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM

thanks for that nice summary of the history of the Bogleheads forum. this is an amazing site. i would feel lost without it and read many/most of the postings every day and have done so for years. i am very grateful for those who saw the vision of what this could be and for those who do the daily wor...
by epictetus
Sun Feb 15, 2015 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice on underperforming Vanguard Allocation
Replies: 21
Views: 1545

Re: Portfolio Advice on underperforming Vanguard Allocation

would encourage you to take a look at the posts of the white-coat investor on this site as well as his blog (he is a physician).

also, as a counterbalance to the slice and dice viewpoint, would encourage you to look at the three-fund portfolio often discussed here.
by epictetus
Sun Feb 15, 2015 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate 2 or 3-fund to single fund in taxable
Replies: 10
Views: 723

Re: Consolidate 2 or 3-fund to single fund in taxable

have you considered the Balanced Index Fund or the Tax-Managed Balanced Index Fund as one-fund solutions for your taxable account?
by epictetus
Sun Feb 08, 2015 3:53 pm
Forum: Investing - Theory, News & General
Topic: Message to New Investors
Replies: 9
Views: 969

Re: Message to New Investors

All I can say is I wish I had done: Total Stock Market Total Bond Market Age in bonds Rebalance yearly from the beginning. I would have saved lots of time, trouble, stress, etc., etc. as well as have made more money using this simple approach than I made using the more complicated approaches I took ...
by epictetus
Mon Feb 02, 2015 8:06 pm
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 6579

Re: First Time Dog Owners -- Any Regrets?

you might consider watching some Cesar Millan videos on Netflix and/or read a book or two by him to get a sense of dog psychology and how to interact productively with your dog.

we have had dogs for many years and consider them part of our family.
by epictetus
Sun Feb 01, 2015 10:21 am
Forum: Personal Consumer Issues
Topic: Bogleheads has made me obsessive about our money
Replies: 41
Views: 5836

Re: Bogelheads has made me obsessive about our money

if you can get your investments more on less on autopilot and then leave them alone that would be a lot less stressful. and maybe you have done that and are just checking too frequently. i am still in accumulation mode. i check our balances once a year when i rebalance. this has been very useful for...
by epictetus
Mon Jan 12, 2015 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 4564

Re: Looking for low cost cell phone plans...

we have been using tracfone for years. the phones they offer vary from very basic to smart phones. you get triple minutes with almost all/all the phones now. we buy a 1 year card and that does well for us. is the cheapest cell phone service that i have figured out and it works fine. note to the pers...
by epictetus
Sat Jan 03, 2015 8:20 pm
Forum: Investing - Theory, News & General
Topic: Why not just follow John Bogle
Replies: 78
Views: 6156

Re: Why not just follow John Bogle

I think we have to find the approach that fits us best and that we can stick with during good times and bad. I tried many other approaches before I came to my very simple current approach. This very simple approach fits me better, I am much less tempted to tinker with it and I am less stressed about...
by epictetus
Sat Dec 20, 2014 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being too conservative?
Replies: 19
Views: 1666

Re: Am I being too conservative?

sounds like you are in a good place with your allocation. main thing is to find something that fits you and that you will stick with when the going gets rough. Mr. Bogle has talked over time re: using age in bonds as a starting point. You are right there in your allocation. the nice thing about that...
by epictetus
Sun Dec 14, 2014 10:34 am
Forum: Investing - Help with Personal Investments
Topic: 6 years into career, finally time to address the unavoidable
Replies: 28
Views: 4786

Re: 6 years into career, finally time to address the unavoid

If 60/40 is the allocation that makes sense to you (and that is a perfectly reasonable allocation), you could put Lifestrategy Moderate Growth in all the Vanguard IRAs and then in the 401 do 60% Fidelity Institutional Index and 40% in the Vanguard Bond index fund and you would be set. The IRAs will ...
by epictetus
Sun Nov 23, 2014 10:22 am
Forum: Investing - Theory, News & General
Topic: Suggested retirement reading for 60 year olds
Replies: 25
Views: 5022

Re: Suggested retirement reading for 60 year olds

sounds like the Mike Piper book would be great for them.
it is only 100 pages. and he always does an excellent job.

the other options may be way too long, complex for where your parents are in their interest and in their knowledge base.
by epictetus
Mon Nov 17, 2014 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 10805

Re: Paid off our Mortgage this evening!

congratulations!
sounds like with your planning and hard work you are well ahead of the curve on all fronts.
by epictetus
Sun Nov 16, 2014 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage or Mutual Funds?
Replies: 24
Views: 2376

Re: Vanguard Brokerage or Mutual Funds?

Fidelity has been set up this way for a long time. You have a brokerage account and you can buy what you want to within it: mutual funds, etfs, individual stocks, CDs, etc. If you want mutual funds then you buy the mutual funds. I would encourage you not to be concerned about it. It really makes it ...
by epictetus
Sun Nov 09, 2014 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Rethinking My Asset Allocation
Replies: 21
Views: 3035

Re: Rethinking My Asset Allocation

The Little Book of Common Sense Investing by Bogle would be a good place to start some reading and then branch out from there. If you get just a few basics right and avoid major errors you will do well.
by epictetus
Sat Nov 08, 2014 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: What to Suggest for Inheritance Mom Received
Replies: 28
Views: 2610

Re: What to Suggest for Inheritance Mom Received

if she is concerned re: investing the money a move to an online savings account, CD, or CD ladder would be a move forward re: gaining some interest. and might be less stressful for her.
by epictetus
Sat Nov 08, 2014 8:19 am
Forum: Personal Finance (Not Investing)
Topic: New car - should I pay cash or use credit?
Replies: 32
Views: 4958

Re: New car - should I pay cash or use credit?

i would want to check into the "adjustable" interest rate details re: how often it adjusts, how high it can go, etc., etc. before going in that direction. also if there are any other costs associated with originating the loan, etc.
by epictetus
Thu Nov 06, 2014 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: I have seen the enemy and it is me. Reluctance to invest
Replies: 29
Views: 3533

Re: I have seen the enemy and it is me. Reluctance to inves

if you invest 20% in stocks (200,000) and in 6 months you have 100,000 and have lost 100,000 (50% drop) will you be able to do nothing? not sell. not lose sleep. know that that is part of the experience. that to me is a key question for you to consider. you have to find a strategy that fits you. as ...
by epictetus
Wed Nov 05, 2014 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: I have seen the enemy and it is me. Reluctance to invest
Replies: 29
Views: 3533

Re: I have seen the enemy and it is me. Reluctance to inves

I agree with staythecourse: you don't want to invest in stocks, you don't need to, and you don't have to. your pension and SS will more than enough cover your expenses. i have a feeling that if you invest X% of your assets in stocks and that value goes down by 50% you will be sick and very much regr...
by epictetus
Sat Nov 01, 2014 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Please review my strategy (new at investing)
Replies: 13
Views: 1503

Re: Please review my strategy (new at investing)

an extra cost to the etf route is the bid/ask spread when buying/selling etfs even if you are buying them commission free. that is something to become familiar with when making the decision on etfs versus mutual funds.
by epictetus
Fri Oct 10, 2014 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ approximating TSM w/ Fidelity 401k
Replies: 15
Views: 1086

Re: Help w/ approximating TSM w/ Fidelity 401k

i would just use the S&P 500 index and not worry about it.
by epictetus
Sun Oct 05, 2014 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Approximate The Three-Fund Portfolio!
Replies: 10
Views: 1373

Re: Approximate The Three-Fund Portfolio!

you could just use the institutional index, international index, and bond index and not add the mid and small cap indexes. very high correlation between the S&P 500 index and total market index.

if the total market index was available i would suggest using it.
by epictetus
Wed Oct 01, 2014 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: fidelity v.s. vanguard
Replies: 18
Views: 1872

Re: fidelity v.s. vanguard

the spartan index funds there will be fine. you can do the advantage class for 2 of the three funds and the investor class for the other.
by epictetus
Wed Oct 01, 2014 6:18 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says asset allocation does not work
Replies: 86
Views: 7918

Re: Dave Ramsey says asset allocation does not work

NIsi, Thank you very much for the link re: the Babson Boulders! I had tried to research the "stay out of debt" one in the past after you had posted a picture of it but did not have any luck and didn't know enough to be able to search and find anything out about them. It is a very interesti...
by epictetus
Sun Sep 21, 2014 1:17 pm
Forum: Personal Consumer Issues
Topic: Car registration & driving across the country
Replies: 14
Views: 1062

Re: Car registration & driving across the country

how about renting a car for the cross country drive?
and then buying the new car once you are at the end of the trip?
by epictetus
Sat Sep 20, 2014 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 39
Views: 3510

Re: How to add to my portfolio monthly without crazy fees

strongly suggest you listen to Taylor Larimore's input. you can move your IRA to Vanguard and then buy one fund in your IRA. that is all you will need. just add money to it when you can. the fund itself will do all the work for you re: rebalancing, etc. one fund and you're done. it really can be tha...
by epictetus
Tue Sep 16, 2014 7:41 pm
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 36
Views: 2598

Re: Tour travelling by bus

you might check out Globus tours. we have taken a few of their tours outside the US. Have not taken any of their tours within the US but we were always pleased with our experience with them.
by epictetus
Sat Sep 13, 2014 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Two Fund real Lazy Portfolio?
Replies: 37
Views: 5109

Re: Two Fund real Lazy Portfolio?

i also have the 2 fund portfolio: TSM and TBM. the thing it has helped me most with is reducing the temptation to change things around, add more or less of this or that, etc. with the two funds the big issue is deciding on the allocation between the two. beyond that there isn't any tinkering that ca...
by epictetus
Sat Sep 13, 2014 7:12 am
Forum: Personal Consumer Issues
Topic: low expense mobile phone?
Replies: 17
Views: 2000

Re: low expense mobile phone?

we have used Tracfone for many years and it has been fine. is the cheapest option i have figured out in our area for what we need.
by epictetus
Fri Sep 12, 2014 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Two Fund real Lazy Portfolio?
Replies: 37
Views: 5109

Re: Two Fund real Lazy Portfolio?

those are the components of the classic/original John Bogle's suggested portfolio: Total Stock Market and Total Bond Market.

That was also the basis of Scott Burns' original "couch potato" portfolio.

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