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Re: 23 year old... Can I afford a Rolex?

This is obviously a want and not a need. Get a knock off Rolex. It will most probably keep time better. The resale price will probably be a drop of 50%. Have you considered someone mugging you for it for being too flashy?
by selftalk
Sun Nov 23, 2014 9:09 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 134
Views: 7134

Re: Do you use a phone book?

Yes. The internet charges . I wish I could get a new white pages book.
by selftalk
Sun Nov 23, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 45
Views: 1469

Re: Vegan Raw Food Diet

This is good and you will get worthwhile results I`m sure. I do it and it works out fine for me. Less visits to the doctor is the way to go. For the aches and pains you may want to include turmeric daily which is very good for inflammation. I take 1 level teaspoon in my green drink daily. Try to eli...
by selftalk
Sun Nov 23, 2014 8:54 pm
 
Forum: Personal Consumer Issues
Topic: Vegan Raw Food Diet
Replies: 3
Views: 468

Re: Vanguard Funds Outperform Peer Group

That was good to know. thanks.
by selftalk
Sun Nov 23, 2014 9:00 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Funds Outperform Peer Group
Replies: 9
Views: 880

Re: What do you splurge on?

The wife and I love antiques but if we want more of them we`ll have to move to a larger home.
by selftalk
Sun Nov 23, 2014 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you splurge on?
Replies: 125
Views: 6574

Re: Oatmeal suggestions

I buy it right from the bulk foods section. When I have it I use cinnamon, sunflower and pumpkin seeds, and 3 brazil nuts along with cranberries and 1 banana all in almond milk. I eat it cold. Also you may want to try millet as it`s very healthy also.
by selftalk
Sun Nov 23, 2014 8:32 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 139
Views: 9758

Re: POLL: Do you personally own a cell phone?

No. It emits radiation and who needs more of that for your health. I `ll say that in the future there will be a lot of court cases about the diseases caused by that. Remember fluoroscopes were removed from shoe stores for this reason years ago.
by selftalk
Sun Nov 23, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 2626

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

There`s absolutely nothing wrong about Paul Merriman`s strategies. They all WORK as do John Bogle`s. The problem with all this talk is that the responders on this site it seems to me are trying to find different ways to BEAT THE MARKET. Instead wouldn`t it be a logical approach to even buy a world i...
by selftalk
Sun Nov 23, 2014 8:21 am
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 88
Views: 8107

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

Will slicing and dicing guarantee you higher returns over the long term? John Bogle has his doubts and reasons based on his research as stated in his book Common Sense On Mutual Funds. Is Bogle`s research and experience superior to Merriman`s?
by selftalk
Wed Nov 19, 2014 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 88
Views: 8107

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

Has anyone compared the returns over the long term of the DFA funds to Vanguard`s in a apples to apples approach? You may see that Vanguard beats some of them. SUPRISE! And that is not accounting for the ? % advisors fee which really rubs salt into the wound. I have a friend who is presently paying ...
by selftalk
Wed Nov 19, 2014 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 88
Views: 8107

Re: Why own International at all?

The funny thing is that it all works out judging solely from the past. But we don`t know the future. It seems to me that a lot of responses to this site are widely diversified all over the world. Just because a country`s economy is doing poorly does not mean it cannot be the best stock performer and...
by selftalk
Sun Nov 16, 2014 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why own International at all?
Replies: 45
Views: 3979

Re: What would happen if *everyone* bought index funds?

There would be a lot of unemployed people from the financial business.
by selftalk
Sun Nov 16, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: What would happen if *everyone* bought index funds?
Replies: 7
Views: 918

Re: Global Growth and Expected Returns — Why So Low?

I think that with every recession it took progressively more monetary stimulation to get out of it. And now it seems not to work anymore. It`s like to get the same original high with heroin you take larger and larges doses until it kills you.
by selftalk
Sun Nov 16, 2014 9:55 am
 
Forum: Investing - Theory, News & General
Topic: Global Growth and Expected Returns — Why So Low?
Replies: 35
Views: 2472

Re: Is Boglehead investing becoming the conventional wisdom?

I just wonder how many folks in percentage are going to stay with their investment policy statements in the next bear market which could be even worse than 2007-2008 ( a 40-55 percent drop).
by selftalk
Sun Nov 16, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: Is Boglehead investing becoming the conventional wisdom?
Replies: 23
Views: 3017

Re: "Safe" investment for a retired parent. CD?

Have you looked into getting a single premium annuity from Vanguard? Just a thought.
by selftalk
Sun Nov 16, 2014 9:43 am
 
Forum: Investing - Theory, News & General
Topic: "Safe" investment for a retired parent. CD?
Replies: 12
Views: 1361

Re: NYT: Falling commodity prices signal warning

My feeling is that the economies of Europe, Japan and the U.S. are treading water at best and the respective governments are and will continue to devalue their currencies to enhance their export business. It is a real race to the bottom in these currency wars and sooner rather than later inflation w...
by selftalk
Sun Nov 16, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: NYT: Falling commodity prices signal warning
Replies: 12
Views: 1225

Re: a look at gold and its hedging value

Every dog has it`s day and so with gold. Maybe it`s no growth stock of course but like everything else it doesn`t stay down forever. It yields nothing but can rise dramatically in price as history shows. My feeling is it`s sort of cyclical in nature. Look at the returns of the PERMANENT PORTFOLIO.
by selftalk
Sun Nov 16, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: a look at gold and its hedging value
Replies: 48
Views: 3217

Re: Long Term Investing

I do not own any foreign market index funds. John Bogle`s book indicates you don`t need to as it incurs more risk such as currency risk etc. However I do understand your contrarian bent. In equity funds I only own the VTSMX.
by selftalk
Sun Nov 16, 2014 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Long Term Investing
Replies: 11
Views: 1151

Showing the positive gains of long term investing

Would someone out there put up on this website the long term chart of The Investment Company Of America out of the 2013, annual report from the American Funds Group. I firmly believe that this will prove invaluable to investing long term. This chart is a large cap growth and income fund mirrowed to ...
by selftalk
Fri Nov 14, 2014 10:08 am
 
Forum: Investing - Theory, News & General
Topic: Showing the positive gains of long term investing
Replies: 1
Views: 351

Re: Strategies to protect retirement from depressn or long b

Buy a small farm and grow your own food and barter with neighbors.
by selftalk
Thu Nov 13, 2014 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: Strategies to protect retirement from depressn or long bear?
Replies: 33
Views: 3621

Re: Investing Advice on the Radio - Wish they would go away

Turn the radio off and just get the 3 fund portfolio listed on this website and don`t look at it. You`re looking for trouble dealing with sales people that will always tell you that what you have is wrong but they always have the answer.
by selftalk
Thu Nov 13, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Investing Advice on the Radio - Wish they would go away
Replies: 19
Views: 1705

Dollar Cost Averaging For The Long Term

Is there anyone out there who bought the S&P 500 index fund in the 1970`s and kept adding to it regularly regardless of price and news events? How have you done in returns and how was it emotionally going through 1987, 2000- 2003 and 2008 till now?
by selftalk
Thu Nov 13, 2014 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging For The Long Term
Replies: 6
Views: 860

Re: How Do You Use the VIX (Fear & Greed Index)?

Put your chart on daily and bring up VIX and then add Williams % on the bottom of it. If the Williams % is at 0 it means in general the market is at a short term maximum pessimism point which is what you want for buying. Back test it and you`ll see. it also helps to put up the broad index like SPX a...
by selftalk
Thu Nov 13, 2014 10:59 am
 
Forum: Investing - Theory, News & General
Topic: How Do You Use the VIX (Fear & Greed Index)?
Replies: 15
Views: 1096

Re: Long Term Investing

My IPS says to buy when you have the money in hand. So I did just that and won`t look back. The total market has been rising since it`s beginning generally with the pot holes along the way which I never see in advance anyway. So in I went. The IPS seems to be the best friend !
by selftalk
Wed Nov 12, 2014 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Long Term Investing
Replies: 11
Views: 1151

Re: Long Term Investing

You are obviously dollar cost averaging. It`s tough emotionally to buy VTSMX when the yield is so low now and the pe is high generally but not euphorically high. I may as well do it and of course not look back.
by selftalk
Wed Nov 12, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Long Term Investing
Replies: 11
Views: 1151

Long Term Investing

Should I still keep on buying the TOTAL STOCK MARKET INDEX fund even though the PE Ratio is presently 19.75 at the close of yesterday?
by selftalk
Wed Nov 12, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Long Term Investing
Replies: 11
Views: 1151

Double Cash Credit Card from CITI

I wanted to say that this card really delivers what the program indicates. 2% cash
by selftalk
Tue Nov 11, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Double Cash Credit Card from CITI
Replies: 13
Views: 1499

Re: If your networth is over $3 million, how did you do it?

SamB did you just buy the VTSMX when cash became available to you for more shares regardless of world and local events and also ignoring general market measurement values?
by selftalk
Tue Nov 11, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 244
Views: 22228

Re: Gold As A Currency Hedge

Look up the PERMANENT PORTFOLIO by Harry Browne on google.Get the ticker symbol( PRPFX )and see its returns long term. It`s not that bad of an idea. It earned 9 1/2 % annually on average from 1972 to 2011.
by selftalk
Tue Nov 11, 2014 3:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 9516

Re: astonishing performance of US markets vs others

What did John Bogle say in his book Common Sense On Mutual Funds about this? Read pages 101-102 and chapter 8. Bogle should know! It appears that most folks want the highest returns possible by tilting , underweighting or overweighting asset classes instead of sticking to a rational plan and realizi...
by selftalk
Tue Nov 11, 2014 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: astonishing performance of US markets vs others
Replies: 50
Views: 4959

Re: For the next year or so, why shouldn't we be in all-cas

How can interest rates go up if business is not robust?
by selftalk
Mon Nov 10, 2014 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: For the next year or so, why shouldn't we be in all-cash?
Replies: 54
Views: 6721

Re: Should I stop tracking past performance?

As John Bogle recently said: Buy your index funds and NEVER LOOK at them. You`ll be very surprised one day years from now.
by selftalk
Tue Nov 04, 2014 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: Should I stop tracking past performance?
Replies: 36
Views: 2181

Re: AliBaba

Buy your spouse a nice present with the money and you`ll benefit and stay with index funds.
by selftalk
Tue Nov 04, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 145
Views: 11709

Re: Making 8 "horrible" investments will beat the index, rig

I figure if the S&P 500 has risen over the long haul then it will continue with many pot holes along the way. I hope it isn`t in a pot hole when I need the money. Maybe that`s why Warren Buffett in his will advocates the S&P 500 since Yogi Berra still doesn`t know the future.
by selftalk
Tue Nov 04, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Making 8 "horrible" investments will beat the index, right?
Replies: 35
Views: 3786

Vanguard Tax Managed Capital Appreciation Fund

In a taxable account would it be preferable to invest in the Vanguard Tax Managed Capital Appreciation Fund as opposed to the Vanguard S&P 500 Admiral Index Fund and/or the Vanguard Total Stock Market Index Fund ? I never see VTCLX mentioned on this website and wonder why. The longer term return...
by selftalk
Sat Nov 01, 2014 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Tax Managed Capital Appreciation Fund
Replies: 5
Views: 828

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 11:10 am
 
Forum: Personal Consumer Issues
Topic: Juiceman Pro and Breville RM-JE98XL for juicing
Replies: 1
Views: 320

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 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: Ham and Egger's Theory? [Buy Whatever Cap Size is lagging) ]
Replies: 38
Views: 3190

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 8:57 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 11024

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 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: Ham and Egger's Theory? [Buy Whatever Cap Size is lagging) ]
Replies: 38
Views: 3190

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 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: Ham and Egger's Theory? [Buy Whatever Cap Size is lagging) ]
Replies: 38
Views: 3190

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 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: vtclx vs. vti [Tax Managed Cap Appreciation vs. Total Stock]
Replies: 5
Views: 316

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 6:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: vtclx vs. vti [Tax Managed Cap Appreciation vs. Total Stock]
Replies: 5
Views: 316

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 7:41 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 946
Views: 389769

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 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing funds for taxable account
Replies: 4
Views: 528

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 10:13 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 47328

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 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Choosing funds for taxable account
Replies: 4
Views: 528
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