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Re: What does a $1M portfolio look like?

Jack Bogle was asked how many index funds does a person need and his answer was one. A person can do very well holding the Vanguard Balanced Index Fund. I agree. If you feel you need interternational, that may not work, but for me it is fine. This would apply whether you have $10K or one million. Mo...
by stemikger
Thu Mar 05, 2015 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does a $1M portfolio look like?
Replies: 22
Views: 2233

Re: Rich dad, poor dad

His books are designed to get people excited but his story is false and he does make a lot of money but not by owning all the real estate he claims to own. He makes money by selling his books and his expensive seminars. Following the advice of John Bogle may not feel as sexy but it's a lot more real...
by stemikger
Wed Mar 04, 2015 1:20 am
 
Forum: Personal Consumer Issues
Topic: Rich dad, poor dad
Replies: 31
Views: 3775

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

Valentine's day is upon us and I am home alone weeping softly into my pillow commiserating on my lack of partner and the possibility of growing old alone with my cat as the only companion...... NOT! :happy I am actually happily single and just want to watch a feel-good romantic comedy to watch on t...
by stemikger
Sun Feb 15, 2015 8:59 am
 
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 4463

Re: First Time Dog Owners -- Any Regrets?

Go with a dog rescue and/or a shelter. There are plenty of younger dogs that have been abandoned that need homes.
by stemikger
Sun Feb 15, 2015 8:52 am
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 5938

Re: Dave Ramsey says you shouldn't own bonds?

I work midnights and I must admit I do listen to his show on my way to work. I do like listening to the people who call in. One thing I realized about Dave is that he always says how much he loves real estate. Whenever someone calls in about investing in rental properties, he always says how much he...
by stemikger
Sat Feb 14, 2015 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8811

Re: How to find profit for 70/30 or 60/40 IRA from '93-2013?

One thing to consider in your project is whether the average person would have the discipline to stick with a 60%/40% portfolio when the bottom drops out of the market as it did in 2000/2001 and 2007/2008? Will they stick with it or switch to a very conservative mix for an extended period of time a...
by stemikger
Sat Feb 14, 2015 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: How to find profit for 70/30 or 60/40 IRA from '93-2013?
Replies: 19
Views: 744

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Signed it! He certainly earned it!

On a side note, I'm writing to Marvel comics to introduce a new Superhero named St. Jack. I'm on the fence if his costume will have a cape or wings.
by stemikger
Fri Feb 13, 2015 6:20 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 174
Views: 9932

Re: The Best 60/40 Portfolio?

This was taken from another post. Full article at http://www.forbes.com/sites/baldwin/2015/02/11/how-to-invest-your-600000-ira/ The last paragraph says it all. How much effort do you want to put into fussing with your IRA? You could rebalance every week, or add all sorts of exotic categories like em...
by stemikger
Thu Feb 12, 2015 12:59 am
 
Forum: Investing - Help with Personal Investments
Topic: The Best 60/40 Portfolio?
Replies: 20
Views: 2159

Re: Forbes on "How To Invest Your $600,000 IRA"

oldzey wrote:+1 for Recipe #5 - The Skinflint


+1
by stemikger
Wed Feb 11, 2015 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: Forbes on "How To Invest Your $600,000 IRA"
Replies: 13
Views: 3983

Re: Forbes on "How To Invest Your $600,000 IRA"

Thanks for posting. I don't have time but want to read it later.

Steve
by stemikger
Wed Feb 11, 2015 7:38 am
 
Forum: Investing - Theory, News & General
Topic: Forbes on "How To Invest Your $600,000 IRA"
Replies: 13
Views: 3983

Re: John Bogle on International Investing

It is about philosophy, willingness, need and tolerance for risk. "No international" is what helps John Bogle stay the course. Here, John Bogle resonates with Stemikger, therefore Stemikger is more likely to stay the course. In this instance, John Bogle does not resonate with me. Were I t...
by stemikger
Tue Feb 10, 2015 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15025

Re: Dave Ramsey says you shouldn't own bonds?

...I was a huge Dave Ramsey fan years ago. Why I stopped being a fan was how he started becoming a bully to certain callers. The worst case was when a very nice man wrote a blog about Dave and his 12% returns. It was not disrespectful and the person agreed to talk to Dave on his show. Dave destroye...
by stemikger
Tue Feb 10, 2015 1:16 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8811

Re: Warren Buffett doesn't like stock analysts [valuing BRK]

It's hard to disagree with Warren on anything having to do with investing. It would be very foolish to bet against him. He recently recommended the non-professional should hold enough in cash and put the rest in an index fund that buys America. In that regard his advice is the exact advice given by ...
by stemikger
Mon Feb 09, 2015 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett doesn't like stock analysts [valuing BRK]
Replies: 18
Views: 1741

Re: Dave Ramsey says you shouldn't own bonds?

I was a huge Dave Ramsey fan years ago. Why I stopped being a fan was how he started becoming a bully to certain callers. The worst case was when a very nice man wrote a blog about Dave and his 12% returns. It was not disrespectful and the person agreed to talk to Dave on his show. Dave destroyed th...
by stemikger
Mon Feb 09, 2015 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8811

Re: When 60/40 just isn't appropriate

I recently saw an interview on You Tube where John Bogle said he is increasingly nervous about Target Retirement Funds because they don't take social security into consideration. I know the Target Retirement Income Fund ultimately glides to 30/70 AA stocks/bonds. Isn't this too conservative if you ...
by stemikger
Mon Feb 09, 2015 8:33 am
 
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 127
Views: 13126

Re: Message to New Investors

IMHO, the forum has recently seen too many basic questions such as "evaluating my portfolio" for people in their early 20s. I don't think that a young (new) investor should pay too much attention to precise 70/30 or 71/29 asset allocations. I would like to see some more interesting discus...
by stemikger
Sun Feb 08, 2015 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Message to New Investors
Replies: 9
Views: 935

Re: WSJ - Simple, Bedrock Rules on Personal Finance

Thanks for posting! Good simple advice. The way it should be.
by stemikger
Sun Feb 08, 2015 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ - Simple, Bedrock Rules on Personal Finance
Replies: 11
Views: 2138

Re: John Bogle on International Investing

Stemikger, I have a hypothetical question for you, with all due respect to Mr. Bogle. Lets say you have a doctor that you've been seeing all your life and you trust, and he/she tells you that you have a serious medical condition that is going to require an expensive and dangerous surgery. You belie...
by stemikger
Sun Feb 08, 2015 11:42 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15025

John Bogle on International Investing

Everytime the subject of international investing comes around which it has been a few thousand times since I have been visiting this forum, I always want to post this You Tube video but I don't have time to find it. Jack admits, most don't agree with him, but I certainly do. For those who would like...
by stemikger
Sun Feb 08, 2015 10:30 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15025

Re: New Investors

The only advice that new investors should receive is to think for themselves. Question everything regardless of source or reputation of source. As soon as you follow someone else you surrender control over your own financial destiny. Anyone who says something along the lines of 'this is all you nee...
by stemikger
Sun Feb 08, 2015 10:05 am
 
Forum: Investing - Theory, News & General
Topic: Message to New Investors
Replies: 9
Views: 935

Re: New Investors

cheese_breath wrote:Good advice, but I'm wondering if changing the thread title to something like "Message to New Investors" might draw more of them to it.

Just a thought. :|


Thanks CB, will do!
by stemikger
Sun Feb 08, 2015 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Message to New Investors
Replies: 9
Views: 935

Message to New Investors

I noticed there seems to be a large amount of younger investors coming here. I'm going on the number of posts I see and don't recognize their names. I can be totally wrong on this so forgive me if I am. I have a message for all the younger folks who are coming here to learn. The Bogleheads site is a...
by stemikger
Sun Feb 08, 2015 8:17 am
 
Forum: Investing - Theory, News & General
Topic: Message to New Investors
Replies: 9
Views: 935

Re: iPhone 6 Plus: Too large or Do You Get Used to It?

I currently use an iPhone 5 and an iPad Mini for travel. I also find there are times where I am stuck in traffic, lines, appointments, etc. where it would be nice to read something larger than my iPhone (without also carrying the iPad). What are your experiences with the larger iPhone 6 Plus? Too l...
by stemikger
Sun Feb 08, 2015 7:59 am
 
Forum: Personal Finance (Not Investing)
Topic: iPhone 6 Plus: Too large or Do You Get Used to It?
Replies: 42
Views: 3066

Re: When 60/40 just isn't appropriate

I recently saw an interview on You Tube where John Bogle said he is increasingly nervous about Target Retirement Funds because they don't take social security into consideration. I know the Target Retirement Income Fund ultimately glides to 30/70 AA stocks/bonds. Isn't this too conservative if you i...
by stemikger
Sun Feb 08, 2015 7:53 am
 
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 127
Views: 13126

Re: Dave Ramsey says you shouldn't own bonds?

When I read the Total Money Makeover by Dave Ramsey many, many years ago, I thought he was nuts for not owning bonds or recommending them to his readers. However, Warren Buffett came out a couple of years ago telling people not to own bonds. Having said that, I'm 50 and have always held a balanced p...
by stemikger
Fri Feb 06, 2015 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8811

Re: Fear and investing

How have you used fear to make you a better investor? Fear made me save more and never borrow from my 401K. I currently save 26% of my salary and there were times it was as high as 35%. The bad part is fear made me more conservative when I first started. In my 30s I was 50/50 asset allocation stock...
by stemikger
Fri Feb 06, 2015 10:00 am
 
Forum: Investing - Theory, News & General
Topic: Fear and investing
Replies: 12
Views: 763

Re: Would you give a homeless person 20-50 dollars?

Whatever you decide, I would try to reach out to the cousin via some other form of communication, this sounds similar to those alleged Facebook scams where people get their accounts hacked or fake accounts are created and then private messages are used to solicit money. If the cousin really needs t...
by stemikger
Fri Feb 06, 2015 12:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you give a homeless person 20-50 dollars?
Replies: 27
Views: 1398

Re: FI: Total Bond Market or Intermediate Fund?

Isn't the Total Bond Index considered intermediate duration? I use Total Bond Index because that is what I was told since I started investing. I find bonds confusing and boring which is why I really don't know much about them. I also find them confusing and hard to understand. All I know is I need ...
by stemikger
Thu Feb 05, 2015 6:32 am
 
Forum: Investing - Theory, News & General
Topic: FI: Total Bond Market or Intermediate Fund?
Replies: 19
Views: 2560

Re: Approaching 50...What to expect?

People, it is Forks Over Knives (not Knives Over Forks). Getting older, I find I have to check every reference like that, or I will make embarrassing mistakes. Michael (eat food, mostly plants, not too much) Pollan is the Jack (stay the course) Bogle of nutrition. Knives over Forks is the x-rated v...
by stemikger
Thu Feb 05, 2015 4:13 am
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 10013

Re: Approaching 50...What to expect?

I would not have eaten the food pyramid for the last thirty years. Basically, your body is going to start to fall apart. Exercise won't fix it. In fact, you can't fix chronic disease with drugs in most cases. So, I recommend tuning into the possibility that all of the abuse you have submitted yours...
by stemikger
Wed Feb 04, 2015 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 10013

Re: Documentaries to recommend?

I just watched a documentary entitled Art and Craft. It was fascinating in every way. I rented it on Amazon Prime for $3.99.

I am a documentary fanatic and it is my favorite genre of movie and just when I think I have seen my favorite something Art and Craft comes along.
by stemikger
Wed Feb 04, 2015 11:09 am
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 127
Views: 14928

Re: Amazon Echo (Alexa)

I received my Echo yesterday. So far so good. It is a fun little gadget that I can see will have many uses in my household. I'm glad I bought it. Even if you use it for music only, it is worth it. The speaker has great sound quality and Alexa's voice is very human like. It is extremely easy to set u...
by stemikger
Wed Feb 04, 2015 11:05 am
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 50
Views: 8036

Re: What Movie Have You Recently Watched?

I just watched a documentary entitled Art and Craft. It was fascinating in every way. I rented it on Amazon Prime for $3.99.
by stemikger
Wed Feb 04, 2015 10:57 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70889

Re: FI: Total Bond Market or Intermediate Fund?

Isn't the Total Bond Index considered intermediate duration? I use Total Bond Index because that is what I was told since I started investing. I find bonds confusing and boring which is why I really don't know much about them. I also find them confusing and hard to understand. All I know is I need t...
by stemikger
Wed Feb 04, 2015 10:55 am
 
Forum: Investing - Theory, News & General
Topic: FI: Total Bond Market or Intermediate Fund?
Replies: 19
Views: 2560

Re: Bill Gross warns about bonds. Are you worried?

I was very concerned when Warren Buffett called bonds dangerous and told the average person to hold enough in cash to feel comfortable and put the rest in the S&P Index. I got out of bonds and went all in the S&P. The results were not that good. I couldn't sleep and was watching what the S&...
by stemikger
Tue Feb 03, 2015 7:59 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross warns about bonds. Are you worried?
Replies: 38
Views: 5130

Re: Bogle:You can't copy Beethoven or Buffett

Thanks for posting.

Thanks to John Bogle, there is a room for all of us average folks who need to invest for our retirement. He pushed Wall Street aside and made room for the little guy.

Thank you St. Jack!
by stemikger
Tue Feb 03, 2015 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle:You can't copy Beethoven or Buffett
Replies: 12
Views: 1424

Re: Bill Gross warns about bonds. Are you worried?

I was very concerned when Warren Buffett called bonds dangerous and told the average person to hold enough in cash to feel comfortable and put the rest in the S&P Index. I got out of bonds and went all in the S&P. The results were not that good. I couldn't sleep and was watching what the S&a...
by stemikger
Tue Feb 03, 2015 8:01 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross warns about bonds. Are you worried?
Replies: 38
Views: 5130

Re: First Time Dog Owners -- Any Regrets?

AZAttorney11 wrote:As far as I'm concerned, there's only one problem with dogs; they don't live long enough.


+1000

Truer words were never spoken!
by stemikger
Mon Feb 02, 2015 6:26 pm
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 5938

Re: First Time Dog Owners -- Any Regrets?

There is such a thing as being a dog person and just entertaining the idea. I am a dog person and consider my 12 year old shi tzu as my son. I have a human daughter who I love more then life and although I can't compare the love I have for my dog on that level on many other levels it is just as deep...
by stemikger
Mon Feb 02, 2015 6:25 pm
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 5938

Re: Need a new vacuum

The Oreck commercial is amazing.
by stemikger
Sun Feb 01, 2015 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Need a new vacuum
Replies: 22
Views: 1472

Re: Bogelheads has made me obsessive about our money

[quote="chabil"]And i don't like it. We invested in our 401k and IRA to the max and saved more as post tax savings. We had no nvestment philosophy and we were 70/ 30 in equities most of the years we were employed. Our retirement is comfortable and giving us an income that is more than we a...
by stemikger
Sun Feb 01, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads has made me obsessive about our money
Replies: 41
Views: 5535

Re: Are car loans really that bad?

I have noticed that a substantial number of BH have commented that car loans are unwise and instead cars should be purchased with cash. I was wondering if someone can elaborate to exactly why this is. The reason I ask is that my last two car loans were for 1.99%. That doesn't seem too bad to me. I ...
by stemikger
Sun Feb 01, 2015 7:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Are car loans really that bad?
Replies: 86
Views: 6768

Taxable or tax deferred

This is probably a stupid question from someone with as may posts as I have but I currently hold no taxable investments. Along with my paid off home, the only other assets I have is my 401K. When I eventually retire and transfer it all into the Vanguard Balanced Index Fund, is it still considered ta...
by stemikger
Fri Jan 30, 2015 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: Taxable or tax deferred
Replies: 7
Views: 678

Re: How do you "Stay the Course"?

How do you "stay the course"? What tools and strategies do you utilize? Great question. In the biggest way I stay the course by keeping the same two index funds which is The Vanguard Institutional Index Fund and The Blackrock U.S. Debt Index. Where I fail is changing my asset allocation e...
by stemikger
Fri Jan 30, 2015 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 71
Views: 6645

Re: Any other investors with 70/30 portfolio?

I love Peter Bernstein's article the 60/40 solution and I also love Scott Burn's Couch Potato Portfolio where you leave it at 50/50 for life. The two funds Burn's recommends is the Vanguard Total Stock and Total Bond Market, rebalance once a year and go on living life.
by stemikger
Fri Jan 30, 2015 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 40
Views: 3376

Re: Any other investors with 70/30 portfolio?

I am 50 and was 70/30. I recently took it back down to 65/35. I plan on staying with that until 55 and then go to 60/40 or 50/50 for life. I never want to be less than 50% in equities. I think 70/30 is too conservative for a 30 year old but would start taking it down in your 50s. I personally think ...
by stemikger
Fri Jan 30, 2015 9:13 am
 
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 40
Views: 3376

Re: 50/50 vs. 60/40

https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&TotalBond2=40&TotalBond1=50&portfolio3=Custom&startYear=1972&portfolio2=Custom&portfolio1=Custom&endYear=2014&mode=2&s=y&annualOperation=0&initialAmount=10000&rebalanceType=1&...
by stemikger
Fri Jan 30, 2015 5:00 am
 
Forum: Investing - Theory, News & General
Topic: 50/50 vs. 60/40
Replies: 2
Views: 736

The lowest stock allocation you plan to stay with

Hey folks, Don't get nervous, this is not whether I should go into a 100% stock portfolio. I was looking at the Vanguard Target Retirement Income fund which settles at 30% stocks and I remember in another thread Taylor was saying how 60/40 Balanced Index Fund is too aggressive for an older person. M...
by stemikger
Fri Jan 30, 2015 3:31 am
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4361

50/50 vs. 60/40

I was wondering if anyone can lead me to a site where I can compare The couch potato portfolio which is 50/50 Total Stock and Total Bond with the Vanguard Balanced Index which is 60/40 which mirrors those same funds.

Thanks
by stemikger
Fri Jan 30, 2015 3:26 am
 
Forum: Investing - Theory, News & General
Topic: 50/50 vs. 60/40
Replies: 2
Views: 736

Re: Why not a 2 fund portfolio like Bogle suggests

It seems that Mr. Bogle is really in favor of a two fund portfolio, Total US Stocks and Total US Bonds (as seen http://www.cnbc.com/id/102369672 ). A few questions: 1 - If the SP 500 has been the standard for market performance for the past 40 years, why do many of the Vanguard funds have a substan...
by stemikger
Fri Jan 30, 2015 3:17 am
 
Forum: Investing - Theory, News & General
Topic: Why not a 2 fund portfolio like Bogle suggests
Replies: 36
Views: 4008
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