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Re: Juiceman Pro and Breville RM-JE98XL for juicing

I juice every day and all I can tell you is that Breville produces great products. I have the juice fountain that retails for $ 299.99 and it performs very well. I`ve used it for some 6 years and cleaning it is easier than most. You can get it at Bed Bath and Beyond with the 20% coupon. I hope this ...
by selftalk
Mon Oct 27, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Juiceman Pro and Breville RM-JE98XL for juicing
Replies: 1
Views: 310

Re: Ham and Egger's Theory? [Buy Whatever Cap Size is laggin

Ah! Reversion to the mean.In my opinion you are really looking at this underperforming asset class wrong. Think about it. List your menu of the asset classes you want to use first. Using a 5 year time period makes the most sense if you are hell bent on doing this. Right now you would allocate to eme...
by selftalk
Sun Oct 26, 2014 6:38 pm
 
Forum: Investing - Theory, News & General
Topic: Ham and Egger's Theory? [Buy Whatever Cap Size is lagging) ]
Replies: 38
Views: 3060

Re: How often do you change your car's oil?

Every 10,000 miles using synthetic oil and 7500 for all other weight oils. I`ve never had engine troubles or any other troubles relating to oil. Jiffy Lube started this 3,000 mile oil change and it worked on the public and is a big money maker. Just look how the public fell for it.
by selftalk
Sat Oct 25, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6246

Re: Ham and Egger's Theory? [Buy Whatever Cap Size is laggin

HAMANdEGGGR what time frame are you thinking of using to determine what asset class is lagging? That`s important as it varies according to the time period.
by selftalk
Sat Oct 25, 2014 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: Ham and Egger's Theory? [Buy Whatever Cap Size is lagging) ]
Replies: 38
Views: 3060

Re: Ham and Egger's Theory? [Buy Whatever Cap Size is laggin

Since John Bogle is no slouch when it comes to long term investing I suggest you read his book COMMON SENSE ON MUTUAL FUNDS and in particular pages 231 - 243 which convinced me to NOT SLICE AND DICE and TILT. The Total Market Index Fund (VTSMX) and/or the S&P 500 fund (VFINX) is all you need for...
by selftalk
Sat Oct 25, 2014 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: Ham and Egger's Theory? [Buy Whatever Cap Size is lagging) ]
Replies: 38
Views: 3060

Re: vtclx vs. vti

VTCLX is the Vanguard Tax Managed Capital Appreciation Fund while VTI is the etf for Vanguard Total Stock Market Index fund. Thank you CFS.
by selftalk
Tue Oct 14, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: vtclx vs. vti [Tax Managed Cap Appreciation vs. Total Stock]
Replies: 5
Views: 302

vtclx vs. vti [Tax Managed Cap Appreciation vs. Total Stock]

Is vtclx a better choice than vti for a taxable account?
by selftalk
Tue Oct 14, 2014 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: vtclx vs. vti [Tax Managed Cap Appreciation vs. Total Stock]
Replies: 5
Views: 302

Re: The Three Fund Portfolio

It would be nice to be 25 years old now and purchase the 3 funds over time.
by selftalk
Sun Oct 12, 2014 8:41 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 914
Views: 373825

Re: Choosing funds for taxable account

Thank you for your prompt reply. As I said in my question my weak suit is taxes but it seems this is a strong suit for you. Since you were the only respondent it appears others on this website do not know the answer either or don`t want to respond. I do once again thank you for your detailed respons...
by selftalk
Wed Oct 08, 2014 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing funds for taxable account
Replies: 4
Views: 455

Re: Pull-ups and Push-ups

I do the high intensity method as advocated on MikeMentzer.com but not strictly as he advises though. I limit my exercises to around 3-4 in a workout and do the first set very light then the second set a little heavier then the heavy set for roughly 10 repetitions taken to momentary failure using fr...
by selftalk
Sun Oct 05, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 46678

Choosing funds for taxable account

I would like to have suggestions from the Bogleheads on which etfs to choose for the TAXABLE account in the asset classes of emerging markets small cap value, developed markets small cap value and U.S. small cap value. I`ve looked at them in expense ratios, price performance and amount of value weig...
by selftalk
Sun Oct 05, 2014 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Choosing funds for taxable account
Replies: 4
Views: 455

Re: dgs vs. vwo and dls vs. vss

Technically you`re right. I rounded off the time period. The scz has less of a value tilt by a 35% margin compared to dls. I suppose that could change in the future depending of course on the people who construct the fund. I just wanted to purchase 1 etf from each small cap value category from the U...
by selftalk
Fri Oct 03, 2014 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: dgs vs. vwo and dls vs. vss
Replies: 4
Views: 522

Re: deleting my posts on bogleheads.org

I did delete a few quite a while ago after I asked how to do it. I have not done it since.
by selftalk
Fri Oct 03, 2014 8:22 pm
 
Forum: Forum Issues and Administration
Topic: deleting my posts on bogleheads.org
Replies: 25
Views: 4941

Re: dgs vs. vwo and dls vs. vss

SCZ performed better by a hair over a 7 year period.
by selftalk
Fri Oct 03, 2014 8:16 pm
 
Forum: Investing - Theory, News & General
Topic: dgs vs. vwo and dls vs. vss
Replies: 4
Views: 522

Re: deleting my posts on bogleheads.org

I wasn`t embarrassed or trying to remain obscure at all. I simply wanted to keep my posts current. But now I realize that others can benefit from my questions and responses so it will remain in "stone" from now on.
by selftalk
Fri Oct 03, 2014 8:07 pm
 
Forum: Forum Issues and Administration
Topic: deleting my posts on bogleheads.org
Replies: 25
Views: 4941

Re: New 2% cash back Mastercard from Citi

Has anyone received their 2% back from CITI Double Cash Card yet and did it go smoothly?
by selftalk
Fri Oct 03, 2014 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 28546

dgs vs. vwo and dls vs. vss

Both etfs dgs and dls have yielded much much better long term total returns than their respective counterparts vwo and vss. Now you have to pay a $ 7.00 commission for each transaction for dgs and dls and both of these throw off good dividends. VWO and VSS don`t. I can see clearly where the reinvest...
by selftalk
Fri Oct 03, 2014 7:15 pm
 
Forum: Investing - Theory, News & General
Topic: dgs vs. vwo and dls vs. vss
Replies: 4
Views: 522

Re: So, when does a market timer get back in?

It sure seems foolish to try when so many highly intelligent people have failed at it. John Bogle said that he knows NO ONE that can time the market consistently. That should tell you something. Just try to get up enough courage to buy when the general news looks bad and panic is in the air. You sti...
by selftalk
Sun Sep 07, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: So, when does a market timer get back in?
Replies: 54
Views: 5645

Re: Does anyone have 'Lazy Portfolios'?

I put my wife in the second graders portfolio : 60% VTI, 30% VXUS and 10% in BND. She`s doing fine and never looks at it which is a large plus.
by selftalk
Thu Sep 04, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 85
Views: 6719

Re: POLL: What was the first stock you ever bought?

Douglas Aircraft in feb. of 1966
by selftalk
Thu Sep 04, 2014 9:24 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2938

Re: Personal Vanguard investment funds are more expensive th

Even if you could transfer your IRA to the State 401k the expenses would be higher with the State as you would be charged a book keeping or custodial fee permanently. Not a wise move.
by selftalk
Thu Sep 04, 2014 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal Vanguard investment funds are more expensive than
Replies: 8
Views: 977

Re: Going all into Emerging Markets

Could the next big thing be commodities of all kinds ? They`re pretty sold out now.
by selftalk
Mon Sep 01, 2014 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Going all into Emerging Markets
Replies: 69
Views: 7071

Re: Going all into Emerging Markets

No investing authorities will ever recommend 100% of anything much less emerging markets. The law says prudent diversification and if not then you most likely will be sued and lose your job.
by selftalk
Mon Sep 01, 2014 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Going all into Emerging Markets
Replies: 69
Views: 7071

Re: New 2% cash back Mastercard from Citi

Thank you. I just applied.
by selftalk
Sun Aug 31, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 28546

trev h

Are there any new updates by trev h and his/her research ?
by selftalk
Sun Aug 31, 2014 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: trev h
Replies: 1
Views: 515

p e ratios for various markets

How can I find the current p e ratios for the various asset classes ie. u.s.,europe, asia,emerging markets and frontier markets ?
by selftalk
Sun Aug 31, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: p e ratios for various markets
Replies: 0
Views: 135

Warren Buffett and the S&P index fund

If slicing and dicing works so well why then does Warren Buffett recommend the Vanguard S&P 500 fund to readers and listeners and also in his most recent will for his wife? John Bogle is so close to that thinking also. Are the Bogleheads trying to beat the S&P index both short and long term ...
by selftalk
Wed Aug 27, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett and the S&P index fund
Replies: 23
Views: 1791

invest only in vtsmx and total bond market index.

Does John Bogle still recommend investing in the total stock market index fund and the total bond market index fund only without adding any international securities?
by selftalk
Tue Aug 26, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: invest only in vtsmx and total bond market index.
Replies: 8
Views: 1462

Re: Gold, Silver, Copper

As always time will tell.
by selftalk
Tue Aug 19, 2014 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 7698

Re: Is a big war coming ???

I just bought DBC as it seems well sold out at this time realizing it may go lower but who catches the bottom exactly. It is a good diversifier between stocks and bonds.
by selftalk
Tue Aug 19, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Is a big war coming ???
Replies: 37
Views: 3992

Is a big war coming ???

The list of commodities making bottoms is growing. It was gold, copper, silver and now cotton, grains and sugar. Commodities go up in war times. The S&P has risen strongly for 3 years and the commodities have fallen the same amount of time and are making bottoms. The value is in the commodities ...
by selftalk
Tue Aug 19, 2014 7:55 am
 
Forum: Investing - Theory, News & General
Topic: Is a big war coming ???
Replies: 37
Views: 3992

Re: Gold, Silver, Copper

Has anyone out there studied the Permanent Portfolio originally created by Harry Browne? 25% in each category --- Total World Stock Market, Total Bond Market, Cash and Gold. Look at the long term returns and learn from this. People are so impatient and that`s what hurts their investment returns. The...
by selftalk
Tue Aug 19, 2014 7:39 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 7698

Re: Gold, Silver, Copper

I expected these kind of replies which is an indicator of negative sentiment in general. The general asset classes are very over extended but the precious metals are cheap yet most do not see this. Time will tell of course.
by selftalk
Fri Jul 11, 2014 7:50 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 7698

Gold, Silver, Copper

Don`t look now but the gold, silver and copper train is leaving the station. It`s a shame that most Bogleheads aren`t diversified into at least a small percentage of these asset classes. The sentiment has been very negative and isn`t that the way it`s supposed to be at low price levels?
by selftalk
Thu Jul 10, 2014 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 7698

Re: What Book Are You Currently Reading? Part V

MAKE PEACE WITH YOUR PLATE by JESS AINSCOUGH. More people should be learning this subject for a better quality of life. My opinion only of course.
by selftalk
Sun Jun 29, 2014 8:07 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1201380

Re: The Three Fund Portfolio

This works for me but I have no bond fund whatsoever because I have a solid pension and am receiving social security. I only have the Total Stock Market Index fund and the Total International fund ( VTI, VXUS ) 60% and 40% respectively. I trust the both of these funds are good selections for the tax...
by selftalk
Sun Jun 29, 2014 8:01 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 914
Views: 373825

Re: Why Asset Allocate/ Slice and Dice

Apparently a lot of readers of this website love to slice and dice and take on more risk thinking they are taking on less risk which is fine with me but I was just informing the readers and new readers particularly of what John Bogle said in his book which makes sense to me. Most people in general t...
by selftalk
Wed Jun 25, 2014 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: Why Asset Allocate/ Slice and Dice
Replies: 37
Views: 2225

Re: Why Asset Allocate/ Slice and Dice

Its simplistic in that you have 3 funds and it then is up to you to define your risk level in stocks.
by selftalk
Tue Jun 24, 2014 4:54 pm
 
Forum: Investing - Theory, News & General
Topic: Why Asset Allocate/ Slice and Dice
Replies: 37
Views: 2225

Why Asset Allocate/ Slice and Dice

I came across John Bogle`s book Common Sense On Mutual Funds published in 1999. It answered my question whether to slice and dice as compared to owning the Total Stock Market Index and Total bond market Index funds. Please read pages 231 to 237 and you will learn from Bogle`s research not to gamble ...
by selftalk
Tue Jun 24, 2014 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: Why Asset Allocate/ Slice and Dice
Replies: 37
Views: 2225

need advice if any on present portfolio

I`m now in the process of finalizing a taxable and a tax sheltered portfolio of asset classes. The total portfolio would consist of 51% VTSAX, 34% international developed markets, 7.5% emerging markets and 7.5% total bond market index fund. I have a good pension coming in along with social security....
by selftalk
Thu Jun 12, 2014 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: need advice if any on present portfolio
Replies: 1
Views: 246

Re: 3 fund vs. a 2 fund portfolio

Thank you for your responses.
by selftalk
Thu Jun 12, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 fund vs. a 2 fund portfolio
Replies: 6
Views: 824

3 fund vs. a 2 fund portfolio

Is there much difference in owning VTWSX or VT total world funds and the total market bond index fund as opposed to owning the total stock market index fund and total international fund and the total bond market index fund?
by selftalk
Wed Jun 11, 2014 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 fund vs. a 2 fund portfolio
Replies: 6
Views: 824

mutual funds vs. etf`s

In considering the Vanguard total stock market index fund admiral shares vs. the VTI equivalent etf which one is preferable for a taxable account? The same goes for the Vanguard total international fund admiral shares vs. the etf of VXUS. There`s no commission levied on any one of them.
by selftalk
Thu Jun 05, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: mutual funds vs. etf`s
Replies: 4
Views: 415

Re: What Book Are You Currently Reading? Part V

The Starch Solution by John McDougall MD.
by selftalk
Tue May 27, 2014 9:38 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1201380

3 fund portfolio vs. more funds

Which has provided more returns over the long run ==== the 3 fund portfolio (60% in the Total Stock Market index, 30% in Total International and 10% in the Total Bond Market index fund) that Taylor Larimore favors or the multi asset class portfolio that Paul Merriman and The Coffee House Investor re...
by selftalk
Tue May 27, 2014 7:59 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio vs. more funds
Replies: 5
Views: 956

Re: "When Vix is high it's time to buy"

Generally that`s right but it`s for short term timing and the taxes will eat you up alive if successful. If you are in a bear market and the VIX gets real high and you buy and you have a fast profit but hold on then the bear proceeds downward and you lose.
by selftalk
Sat May 10, 2014 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: "When Vix is high it's time to buy"
Replies: 25
Views: 3149

best cat litter and price

Does anyone know what cat litter is satisfactory with a low price and where do you purchase it?
by selftalk
Tue Apr 29, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: best cat litter and price
Replies: 11
Views: 759

Re: Toaster Ovens

The Breville works fine. I purchased mine at Bed Bath & Beyond and used their 20% off coupon.
by selftalk
Tue Apr 15, 2014 9:25 pm
 
Forum: Personal Consumer Issues
Topic: Toaster Ovens
Replies: 15
Views: 1411

Re: Another take on the "rebalancing bonus"

I believe that David Swenson , managing the Yale endowment assets, rebalances daily and he`s really well versed.
by selftalk
Tue Apr 15, 2014 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: Another take on the "rebalancing bonus"
Replies: 105
Views: 17659
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