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by selftalk
Sun May 24, 2015 6:09 am
Forum: Investing - Theory, News & General
Topic: Advice from John Bogle and Warren Buffett
Replies: 35
Views: 2675

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.
by selftalk
Sat May 23, 2015 3:42 pm
Forum: Investing - Theory, News & General
Topic: Advice from John Bogle and Warren Buffett
Replies: 35
Views: 2675

Re: Advice from John Bogle and Warren Buffett

Buy and hold works and I hope it will work in the future. I personally like to keep the different investments low in number as it`s easier for me. I`d rather be neglectful ( don`t look ) with the index funds and do other things than worry about the worth of the allocations. Worry will cause me to se...
by selftalk
Sat May 23, 2015 1:31 pm
Forum: Investing - Theory, News & General
Topic: Advice from John Bogle and Warren Buffett
Replies: 35
Views: 2675

Re: advice from John Bogle and Warren Buffett

I hear and understand what you are saying. So in essence are you trying to beat the market? They recommend to us to be diversified by buying these funds. It does cover the world.
by selftalk
Sat May 23, 2015 1:21 pm
Forum: Investing - Theory, News & General
Topic: Advice from John Bogle and Warren Buffett
Replies: 35
Views: 2675

Advice from John Bogle and Warren Buffett

John Bogle recommends owning and buying ONLY the Vanguard Total Stock Market Index fund and the Vanguard Total Bond Market Index fund. Warren Buffett recommends for investors to buy the Vanguard S&P 500 Index fund and of course we all know that he requested in his will to his wife to put 90% of ...
by selftalk
Thu May 21, 2015 5:43 pm
Forum: Investing - Theory, News & General
Topic: What if the US stock market was only 25% of the world by market cap?
Replies: 37
Views: 2322

Re: What if the US stock market was only 25% of the world by market cap?

I wonder what John Bogle and Taylor Larimore would say to that. In the Elements Of Investing by Burton Malkiel and Charlie Ellis they both said that they own a total world fund.
by selftalk
Sat May 16, 2015 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: a late starter to investing
Replies: 2
Views: 560

a late starter to investing

My friend is 70 years old and retired and married to a woman 62 who is working. They both have very little saved at this time but now desire to build a financial nest egg. The male determined he can now save about $2,000 monthly from his pension and social security after paying his expenses and has ...
by selftalk
Sat May 16, 2015 7:15 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 118858

Re: What Movie Have You Recently Watched?

FURY For those of you that like a really good WWII movie that`s it.
by selftalk
Tue Apr 28, 2015 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Primerica [as a job]
Replies: 12
Views: 1091

Re: Primerica

Can you sell their funds and not buy any for yourself? That would make sense to me.
by selftalk
Tue Apr 28, 2015 2:25 pm
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 86
Views: 6498

Re: Who's holding cash?

Warren Buffett says to put the money in and let the compounding begin. The financial giants hold cash for redemptions and that hurts their returns long term.
by selftalk
Tue Apr 28, 2015 2:17 pm
Forum: Investing - Theory, News & General
Topic: "How much of your portfolio is in index funds, and why?"
Replies: 91
Views: 8578

Re: "How much of your portfolio is in index funds, and why?"

100%. If it works don`t fix it ! The three fund portfolio is fine with me and I`m training myself to NO LOOKING. Who needs more stress?
by selftalk
Tue Apr 28, 2015 1:47 pm
Forum: Investing - Theory, News & General
Topic: dollar cost averaging at present high price levels
Replies: 22
Views: 2782

dollar cost averaging at present high price levels

I have to admit it is emotionally difficult to dollar cost average into the Total Stock Market Index Fund at these lofty levels and the CAPE being so high but I did it. It does feel like financial suicide but history dictates to do it and so I did.
by selftalk
Mon Apr 27, 2015 4:59 am
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 149
Views: 13496

Re: John Bogle's Don't Peek Challenge

I for one do not believe peeking at your portfolio is harmless. The temptation to think and change something is great and it will work against you as we are emotional beings.
by selftalk
Sun Apr 26, 2015 7:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Balanced Index from Cradle to Grave
Replies: 32
Views: 3331

Re: Vanguard Balanced Index from Cradle to Grave

I think I read not so very long ago that John Bogle gave as a gift some shares of the Vanguard Balanced Index Fund to his grand children. As he`s said before "that`s conservative but then again I`m conservative." It all grows and compounds. At least that`s what it has done in the past. The...
by selftalk
Sun Apr 26, 2015 7:36 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 149
Views: 13496

Re: John Bogle's Don't Peek Challenge

Millions of people before me have tried to beat the market by peeking and trading and it`s cost them dearly as history relates in various studies. I think you just have to keep buying when you have the money and not listen and look to the tv, radio and other people`s opinions. How can I be smarter t...
by selftalk
Tue Apr 21, 2015 11:11 am
Forum: Investing - Help with Personal Investments
Topic: historical mutual fund list with total returns
Replies: 1
Views: 238

historical mutual fund list with total returns

Does anyone know a website that lists the total return of all mutual funds going back to 1934 or earlier? I cannot seem to find one.
by selftalk
Tue Apr 21, 2015 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Single best piece of personal finance advice ever received?
Replies: 90
Views: 7128

Re: Single best piece of personal finance advice ever receiv

While sitting on the beach on day with an accomplished investor he told me not to trade and give the investment time to compound.
by selftalk
Sat Apr 18, 2015 8:13 pm
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 71
Views: 8634

Re: [retired guy said] terrible crash is coming

Is he a proven clairvoyant ? If so then when is the crash ? If he doesn`t know when then what good will listening to him do to enhance my future financially ? It doesn`t take a smart person to say a crash will come. We all know that. If I sell everything now then when do I come back in ? Can he tell...
by selftalk
Sat Apr 18, 2015 8:00 pm
Forum: Investing - Theory, News & General
Topic: "What Experts Say About Jack Bogle"
Replies: 8
Views: 2643

Re: "What Experts Say About Jack Bogle"

I believe that he`s helped a lot of middle class folks with investments and has given them hope toward a secure retirement. We have to be smart enough to implement his advice.
by selftalk
Sat Apr 18, 2015 7:49 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 149
Views: 13496

Re: John Bogle's Don't Peek Challenge

Benign neglect with the Total Stock Market Index Fund isn`t a bad idea at all. Where will the Dow and S&P 500 be in twenty years? Most likely a lot higher. John Bogle`s idea of no looking sure takes care of the emotional part of investing and we know what emotion does to your returns.
by selftalk
Wed Apr 15, 2015 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: growth of the dow jones index over the long term
Replies: 2
Views: 416

growth of the dow jones index over the long term

How much would $10,000 invested in the Dow Jones Industrial Average with reinvestment of all dividends be worth from the years 1934 through 2014 ?
by selftalk
Fri Apr 03, 2015 8:59 am
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 116
Views: 12464

Re: Wise move to move some $ to cash before bear market?

You could have asked that question 1 year ago and missed the rise in prices and dividends.
by selftalk
Fri Apr 03, 2015 8:39 am
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1104
Views: 509853

Re: The Three Fund Portfolio

VTSAX Vanguard total Stock Market Index Fund and VTIAX Vanguard Total International Fund --- both are the admiral shares.
by selftalk
Fri Apr 03, 2015 8:14 am
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1104
Views: 509853

Re: The Three Fund Portfolio

Would an asset allocation in the equity portion in both taxable and tax sheltered accounts of VTSAX 80% and VTIAX 20% be intelligent to structure for a long term approach in view of Taylor`s views ? He seems to have the most experience on this website.
by selftalk
Sun Mar 29, 2015 8:14 am
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 138
Views: 14291

Re: What was your costliest investment mistake?

Listening to Bob Brinker in 2000 saying to buy stocks as the counter trend rally is real soon. It never came. He was right in calling the top but wrong in getting back in. What good is that? No good I`m afraid. I don`t listen to any more gurus at all now. If they knew they`d own the world in quick o...
by selftalk
Sun Mar 29, 2015 7:13 am
Forum: Investing - Theory, News & General
Topic: Michael Spence: Are Equities Overvalued?
Replies: 13
Views: 1689

Re: Michael Spence: Are Equities Overvalued?

What I can predict about the future with accuracy is that the future will always be unpredictable. Here is something I read long ago in the newspaper I think. Back in the 1920`s a 50 person group got together comprised of the top business leaders of the day to predict the future 50 years henceforth....
by selftalk
Sat Mar 28, 2015 2:44 pm
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 116
Views: 12464

Re: Wise move to move some $ to cash before bear market?

Ask yourself why buy and hold indexing works so well ? What have you learned from reading this website? Taylor Larimore has a lot of experience and rides through it all as he`s learned the hard way since 1950, to do that if he wants to profit from his investments. Profit from his past mistakes!
by selftalk
Sat Mar 28, 2015 2:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2203

Re: Vanguard's Week In Review

Taylor`s response is soooo correct. Just keep dollar cost averaging and do not look at your stock market worth or lack thereof. Have confidence in the businesses earnings and dividends in America and the rest of the world and your investments will grow over time. Be patient and enjoy other phases of...
by selftalk
Sat Mar 28, 2015 2:25 pm
Forum: Investing - Theory, News & General
Topic: Michael Spence: Are Equities Overvalued?
Replies: 13
Views: 1689

Re: Michael Spence: Are Equities Overvalued?

With the horrible records of these stock market gurus why do people continue to pay attention to them ?
by selftalk
Mon Mar 23, 2015 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: k 1 for income tax computing
Replies: 0
Views: 173

k 1 for income tax computing

I`ve had some various etf`s this year and have not received any k 1`s from the funds. Upon calling one of these up the representative told me that they have until 4/15/15 to send them out. Is this ridiculous ?
by selftalk
Thu Mar 12, 2015 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: various views of the markets
Replies: 5
Views: 298

Re: various views of the markets

Nice thinking but I bought some more shares of VTI 2 days ago realizing of course it may go lower. Dollar cost average no matter what is the motto.
by selftalk
Thu Mar 12, 2015 2:20 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 28016

Re: Will you buy an Apple Watch?

No! Would I need to buy one every year for the newest models ? I`ll bet there will be assaults performed to acquire them by criminals on some people that wear them. It doesn`t make sense.
by selftalk
Thu Mar 12, 2015 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: various views of the markets
Replies: 5
Views: 298

various views of the markets

It is truly amazing that the media in all forms of communication indicates that business is getting better and so will the stock market. Other media indicate that business statistics are phony and getting worse and the truth is being hidden from the public and that the stock market is do to collapse...
by selftalk
Sun Mar 08, 2015 9:52 am
Forum: Investing - Help with Personal Investments
Topic: building up nest egg in retirement
Replies: 12
Views: 1185

Re: building up nest egg in retirement

Thank you all for your replies and suggestions. The only thing I would be concerned about is the age old question of whether she should invest at these lofty levels. No one knows that of course but a new person to this game would definitely be upset watching the money value drop and being retired.
by selftalk
Sun Mar 08, 2015 9:41 am
Forum: Investing - Help with Personal Investments
Topic: building up nest egg in retirement
Replies: 12
Views: 1185

Re: building up nest egg in retirement

It`s money for herself.
by selftalk
Sun Mar 08, 2015 9:38 am
Forum: Investing - Theory, News & General
Topic: New DOW Component
Replies: 40
Views: 2877

Re: New DOW Component

The DOW average is manipulated in this way. If the same companies never left the DOW average where would the average be standing today? Not much I`m sure. This is one of the reasons to do index investing.
by selftalk
Sun Mar 08, 2015 8:42 am
Forum: Investing - Help with Personal Investments
Topic: building up nest egg in retirement
Replies: 12
Views: 1185

building up nest egg in retirement

A close friend of mine retired recently and has no IRA or 401k but has a good lifetime pension from where she worked plus of course social security. She asked me what should she do financially in building up her finances. She does have a couple of thousand dollars left over from all expenses each mo...
by selftalk
Sun Mar 08, 2015 8:29 am
Forum: Personal Consumer Issues
Topic: Anyone fans of the CNBC show American Greed???
Replies: 32
Views: 2624

Re: Anyone fans of the CNBC show American Greed???

It`s a great show. I`m so surprised that so much of this fraud goes on and at such a large scale. Greed is a terrible thing.
by selftalk
Sun Mar 08, 2015 8:24 am
Forum: Personal Consumer Issues
Topic: Replacing [Oil] Filters: Time vs. Usage
Replies: 41
Views: 3055

Re: Replacing [Oil] Filters: Time vs. Usage

Have you noticed that when JIFFY LUBE went into business they recommended changing the oil every 3,000 miles. Does that tell you something? What a rip off!
by selftalk
Sun Mar 01, 2015 5:27 pm
Forum: Personal Consumer Issues
Topic: a good movie to see [Assault On Wall Street]
Replies: 1
Views: 515

a good movie to see [Assault On Wall Street]

In my opinion I just saw a worthwhile movie on cable titled Assault On Wall Street. It came out in 2008 I think. It was very good and realistic. Let me know what you think of it.
by selftalk
Sun Mar 01, 2015 5:21 pm
Forum: Investing - Theory, News & General
Topic: rebalancing & purchasing when fear is present
Replies: 8
Views: 499

rebalancing & purchasing when fear is present

Let`s try to have a number of respondents and writers on this website tell us about what they are rebalancing from and to when the market has these fear episodes. That would be useful for all.
by selftalk
Sun Mar 01, 2015 5:08 pm
Forum: Investing - Theory, News & General
Topic: Truths About Stop Losses
Replies: 14
Views: 1523

Re: Truths About Stop Losses

In my opinion setting stop losses with the specialist is like playing poker and showing every one else your cards. Set them in your mind and take action if you want to when they are hit.
by selftalk
Sun Mar 01, 2015 5:01 pm
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 5103

Re: Not "Staying the Course"

Unfortunately, livesoft`s comment appears and is correct in my opinion. Knowledge caves in to emotion. From what I`ve seen on this website as soon as there is a correction of even 4% or so you see so many market timing questions and fear setting in. Rebalancing is not mentioned at all during that ti...
by selftalk
Sun Mar 01, 2015 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Market Cycle Psychology
Replies: 9
Views: 427

Re: Market Cycle Psychology

I would say optimism. Don`t worry and analyze so much. Just remember to rebalance.
by selftalk
Sun Feb 15, 2015 9:41 am
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 4983

Re: Recommend a movie for a lonely Boglehead on Valentine's

I just saw ASSAULT ON WALL STREET. It really held my attention.
by selftalk
Fri Feb 06, 2015 5:30 pm
Forum: Investing - Theory, News & General
Topic: "What My Daughter Learned From the Stock-Market Crash"
Replies: 13
Views: 3514

Re: "What My Daughter Learned From the Stock-Market Crash"

Do you think Rick would offer me the same deal? It was a good lesson for his daughter and I hope she will be prepared for the next bear market.
by selftalk
Fri Feb 06, 2015 5:25 pm
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds
Replies: 43
Views: 4598

Re: Best Small Cap Value Funds

Why is PXSV the best ? I think not as RZV has performed better over the years. I use RZV, SCZ and EWX.
by selftalk
Fri Feb 06, 2015 5:02 pm
Forum: Personal Consumer Issues
Topic: time to replace my router?
Replies: 45
Views: 3712

Re: time to replace my router?

Go to Best Buy with your router and modem in hand and speak to YOUR carrier representative there about it. That`s what I did and bought the same one Comcast, my carrier, uses. It works perfectly. Nowadays the router is built into the modem. if you want you can have the carrier representative come to...
by selftalk
Sun Feb 01, 2015 5:26 pm
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 181
Views: 17124

Re: Dealing with pressure for "social donations" at work

The supervisor ought to ask the Company president or owner to contribute instead of harassing people under him/her. It sure is an awkward position to be in. I was asked to contribute to a co-workers child`s charity and I was very friendly with her and I said I don`t contribute to anything at work. S...
by selftalk
Sun Feb 01, 2015 5:07 pm
Forum: Personal Consumer Issues
Topic: Need a new vacuum
Replies: 22
Views: 1560

Re: Need a new vacuum

I purchased a Carpet Pro Heavy Duty for $119.00. I was told by the vacuum cleaner store owner that this was great for pet hair and also the people that do house work for a living purchase these. They are real work horses. The store owner told me that it did just as good a job as the $ 900 one (Miele...

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