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by stemikger
Wed May 06, 2015 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Bonds being expensive?
Replies: 2
Views: 403

Re: Bonds being expensive?

I understand that it is the job of CNBC to scare people to stocks. I see articles all the time about bonds being overpriced at the moment. Is there a more rationale theory behind this? I understand the interest rate risk and inflation risk, but if you plan on holding (for example) a 10 year treasur...
by stemikger
Mon May 04, 2015 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to cash until clear plans formed [formerly Sell in May, Go Away, and Think About It]
Replies: 39
Views: 3711

Re: Moving to cash until clear plans formed [formerly Sell in May, Go Away, and Think About It]

You are going to have a long investment life this way. Market timing does not work. It sounds like you are a conservative investor, so I would choose a conservative asset allocation. Stick with that and see how you do when the market goes down and goes up. After you see how you react, pick an asset ...
by stemikger
Mon May 04, 2015 12:22 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 153
Views: 3555

Re: Will you buy self-driving car?

The first self-driving car will be on the market next year, will you buy it? If you have under age kid, or you are over 85, it may be a good idea. :mrgreen: If and when they make an affordable one, I will be first in line. I have a feeling that will be many years from now. My car buying habits have...
by stemikger
Fri May 01, 2015 9:26 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 foreign revenue at 50% - advice on impact of port.
Replies: 26
Views: 2050

Re: S&P 500 foreign revenue at 50% - advice on impact of por

Stemikger, did you read Mr Ferri's article? What is your opinion on his thoughts? I've posted this link in several of your threads on this subject and you always say you'll read it later but you've never posted a response. Hey John, I just got to it. To be honest I am not sold, in fact it made me f...
by stemikger
Fri May 01, 2015 5:27 am
Forum: Investing - Help with Personal Investments
Topic: Is $700/yr too much to pay Vanguard to have VSMGX?
Replies: 28
Views: 3122

Re: Is $700/yr too much to pay Vanguard to have VSMGX?

Hmm is 10 minutes a year to rebalance worth 700 bucks? Not to me. Mike I agree. The only reason I can see to do this if you are married to someone like my wife who is clueless when it comes to all things money and personal finance. If I die before her, it would be easier for her to not have to reba...
by stemikger
Fri May 01, 2015 12:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Market Index [Exp.Ratio] now only 0.07%
Replies: 20
Views: 3702

Re: Vanguard Total Bond Market Index fund is now only 0.07%

R2D2 wrote:stemikger wrote:
Love Tina Fey!!! And the lower cost is always welcome!


What's the Tina Fey connection?


LOL. You didn't know the Tina Fey and Vanguard connection? :D :beer
by stemikger
Thu Apr 30, 2015 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 foreign revenue at 50% - advice on impact of port.
Replies: 26
Views: 2050

Re: S&P 500 foreign revenue at 50% - advice on impact of por

Bogle does say that about international stocks considering the number of U.S. Companies that do international business. He also adds if you feel you do need international stocks he would not recommend more than 20% allocation. +1 I know I'm a broken record when it comes to this topic, but if you in...
by stemikger
Thu Apr 30, 2015 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Private Schools - Tuition
Replies: 91
Views: 5122

Re: Private Schools - Tuition

Public school isn't free. There is a cost associated with sending your child to public school just in a different way. In California, there is a severe budget shortage which leads to poor teacher to student ratios and cuts to programs such as music and field trips. You and your child will need to c...
by stemikger
Thu Apr 30, 2015 5:33 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 149
Views: 13110

Re: John Bogle's Don't Peek Challenge

And the latest mention of Don't Peek. He also talks international. My two favorite debates. :D Thanks to JoMoney for this video.

https://www.youtube.com/watch?v=nWI64TKU64o#t=1h06m17s
by stemikger
Thu Apr 30, 2015 6:47 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 foreign revenue at 50% - advice on impact of port.
Replies: 26
Views: 2050

Re: S&P 500 foreign revenue at 50% - advice on impact of por

http://www.rickferri.com/blog/investments/foreign-stocks-for-the-long-run/ Here's another perspective on the subject. Although international has some risks that domestic does not, including it can actually LOWER the risk of a portfolio overall, and provide higher risk adjusted returns. I always hea...
by stemikger
Thu Apr 30, 2015 6:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Market Index [Exp.Ratio] now only 0.07%
Replies: 20
Views: 3702

Re: Vanguard Total Bond Market Index fund is now only 0.07%

Love Tina Fey!!! And the lower cost is always welcome!
by stemikger
Thu Apr 30, 2015 6:14 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 foreign revenue at 50% - advice on impact of port.
Replies: 26
Views: 2050

Re: S&P 500 foreign revenue at 50% - advice on impact of por

This is the most recent Mr.Bogle video I'm aware of: https://www.youtube.com/watch?v=nWI64TKU64o#t=1h06m17s (From a talk he gave at The Aspen Institute on April 16, 2015) at the 1:06:17 mark he pretty much reaffirms his long stated view that an international allocation is not necessary for U.S. inve...
by stemikger
Thu Apr 30, 2015 5:26 am
Forum: Investing - Theory, News & General
Topic: Guide to Investing's international allocation confusion
Replies: 6
Views: 676

Re: Guide to Investing's international allocation confusion

...I believe I saw something more recent, but can't seem to find it. In any event, he still feels the same way..... This is the most recent Mr.Bogle video I'm aware of: https://www.youtube.com/watch?v=nWI64TKU64o#t=1h06m17s (From a talk he gave at The Aspen Institute on April 16, 2015 ) at the 1:06...
by stemikger
Thu Apr 30, 2015 12:18 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 foreign revenue at 50% - advice on impact of port.
Replies: 26
Views: 2050

Re: S&P 500 foreign revenue at 50% - advice on impact of por

Bogle does say that about international stocks considering the number of U.S. Companies that do international business. He also adds if you feel you do need international stocks he would not recommend more than 20% allocation. +1 I know I'm a broken record when it comes to this topic, but if you in...
by stemikger
Thu Apr 30, 2015 12:17 am
Forum: Investing - Theory, News & General
Topic: Guide to Investing's international allocation confusion
Replies: 6
Views: 676

Re: Guide to Investing's international allocation confusion

Thanks for your thoughts. It is interesting how much Vanguard's profiles are changing toward heavier investment overseas - I wonder if Mr Bogle's opinion on this has changed at all since the book's quote. I'm not sure how involved he is with the direction of their profiles anymore. Mr. Bogle still ...
by stemikger
Wed Apr 29, 2015 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Private Schools - Tuition
Replies: 91
Views: 5122

Re: Private Schools - Tuition

Ok, so the die may be cast, but I would like some perspective regardless. We are looking at putting my oldest in Pre-K. There are no public schools that are rated well academically in the area I live. We found a school that has a great reputation, that friends have used, and praise highly. The cost...
by stemikger
Wed Apr 29, 2015 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 foreign revenue at 50% - advice on impact of port.
Replies: 26
Views: 2050

Re: S&P 500 foreign revenue at 50% - advice on impact of por

I wonder if the " Why do I need international? " and " You don't need international! " threads will disappear if international crushes domestic this year. Come to think of it, it seems as if most of them HAVE disappeared over the last few weeks...I wonder why that might be? Rece...
by stemikger
Wed Apr 29, 2015 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 foreign revenue at 50% - advice on impact of port.
Replies: 26
Views: 2050

Re: S&P 500 foreign revenue at 50% - advice on impact of por

Bogle does say that about international stocks considering the number of U.S. Companies that do international business. He also adds if you feel you do need international stocks he would not recommend more than 20% allocation. +1 I know I'm a broken record when it comes to this topic, but if you in...
by stemikger
Wed Apr 29, 2015 8:04 am
Forum: Investing - Theory, News & General
Topic: Omaha this weekend
Replies: 29
Views: 2423

Re: Omaha this weekend

This is going to be a big one because Berkshire is celebrating 50 years. I wish I could go before those great men leave us. I'll just have to admire them from afar and of course read the letters.
by stemikger
Mon Apr 27, 2015 1:57 pm
Forum: Investing - Theory, News & General
Topic: [Janitor in Vermont leaves millions] A true Boglehead!
Replies: 55
Views: 3980

Re: WP: Janitor accumulates $8 million estate

But there is also a cautionary tale about recognizing the value of your finite time here on Earth. Perhaps learning to enjoy life while you can is part of that equation. It really boils my blood when I see this assumption that you must spend spend spend in order to live a good, happy, & fulfill...
by stemikger
Mon Apr 27, 2015 11:35 am
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 149
Views: 13110

Re: John Bogle's Don't Peek Challenge

I actually did the "don't peek" thing in regards to our pension. This was money I couldn't rebalance or fiddle with in any way, so there was no point. We just ignored it and saved as if it were not there. But now we're very close to retirement, so I peeked. After a bit of math, I realized...
by stemikger
Mon Apr 27, 2015 11:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard Balanced Index from Cradle to Grave
Replies: 32
Views: 3134

Re: Vanguard Balanced Index from Cradle to Grave

p.s. For stemikger... Would the Vanguard balanced fund been as highly thought of Vanguard was a Japanese Company and the constitutes were of Japaese markets? Just something to think about. :D Short answer is no. For the long answer I will ask that you read the entire chapter on international invest...
by stemikger
Mon Apr 27, 2015 8:51 am
Forum: Investing - Theory, News & General
Topic: Vanguard Balanced Index from Cradle to Grave
Replies: 32
Views: 3134

Re: Vanguard Balanced Index from Cradle to Grave

So is the forum changing its flavor from the enthusiasts for all stock portfolios when young and providing for everything in bond ladders when old to thinking you just invest everything 50/50 (or 60/40 or 40/60) for a lifetime and also don't peek? Good question. I for one have always held a two fun...
by stemikger
Mon Apr 27, 2015 7:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard Balanced Index from Cradle to Grave
Replies: 32
Views: 3134

Re: Vanguard Balanced Index from Cradle to Grave

I think the Balanced Fund from cradle to grave is a good thing. I'd prefer LifeStrategy Moderate Growth for the greater diversification, but both would be a good 60/40 portfolio. Once upon a time a 60/40 portfolio was seen as a standard asset allocation for investors (Peter Bernstein was a champion...
by stemikger
Mon Apr 27, 2015 7:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard Balanced Index from Cradle to Grave
Replies: 32
Views: 3134

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. Th...
by stemikger
Sun Apr 26, 2015 2:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Balanced Index from Cradle to Grave
Replies: 32
Views: 3134

Re: Vanguard Balanced Index from Cradle to Grave

Thanks Nisprius, I always enjoy your knowledge and insight.
by stemikger
Sun Apr 26, 2015 2:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Balanced Index from Cradle to Grave
Replies: 32
Views: 3134

Re: Vanguard Balanced Index from Cradle to Grave

P.S. I know there is no international in the Balanced Index, but I don't own it and never have. 20 years without it tells me I'm not missing anything. As for avoiding international, I've seen good arguments for and against, but the quote above isn't one of them. I agree with you there. For my perso...
by stemikger
Sun Apr 26, 2015 10:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard Balanced Index from Cradle to Grave
Replies: 32
Views: 3134

Vanguard Balanced Index from Cradle to Grave

This was inspired by a comment left on another thread and the more I thought about it, it didn't really sound so crazy. The advice given to the regular small retail investor is to have more in stocks when you are young and put more into bonds when you are older. There is also a new theory I believe ...
by stemikger
Sat Apr 25, 2015 2:29 pm
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4490

Re: Who follows Age in Bonds

Rx 4 Investing. Great information. Thanks for posting it.
by stemikger
Sat Apr 25, 2015 8:02 am
Forum: Investing - Theory, News & General
Topic: What is too long to stay the course?
Replies: 50
Views: 3561

Re: What is too long to stay the course?

I'm not usually one for Schadenfreude, but for the folks who called me an idiot for paying down my mortgage instead of joining them in getting rich on QQQ, well, nah, it's not nice to gloat. +1 I can't tell you how many people told me not to pay off my mortgage. My Father-in-Law told me it makes no...
by stemikger
Sat Apr 25, 2015 6:54 am
Forum: Investing - Theory, News & General
Topic: What is too long to stay the course?
Replies: 50
Views: 3561

Re: What is too long to stay the course?

Very few people put their life savings into the market at the high-water mark of the NASDAQ. Even fewer of those who did, then did not go on and invest more money over the years. Let's face it, if the course is stupid, then one should not even be on that course in the first place. I met a guy sever...
by stemikger
Sat Apr 25, 2015 6:51 am
Forum: Investing - Theory, News & General
Topic: What is too long to stay the course?
Replies: 50
Views: 3561

Re: What is too long to stay the course?

I'm not usually one for Schadenfreude, but for the folks who called me an idiot for paying down my mortgage instead of joining them in getting rich on QQQ, well, nah, it's not nice to gloat. +1 I can't tell you how many people told me not to pay off my mortgage. My Father-in-Law told me it makes no...
by stemikger
Sat Apr 25, 2015 6:45 am
Forum: Investing - Theory, News & General
Topic: Peter Bernstein's 60/40 solution
Replies: 32
Views: 4308

Re: Peter Bernstein's 60/40 solution

At one point in my investing life so far I realized how powerful "60/40" really is. I dawned on me if I could keep my fixed expenses within 60% of my net income and my stock allocation (greed) within 60% of my portfolio, I wouldn't do too bad over the long term. Hindsight may be 20/20, bu...
by stemikger
Sat Apr 25, 2015 3:10 am
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4490

Re: Who follows Age in Bonds

In my 30s, I was 50/50 and then as I learned I gradually was 60/40 for many years. Relative to your age, You need to be conservative in your 30s because you need to make a down payment for a home soon. You need to be conservative in your 40s because you need to pay for college soon. You need to be ...
by stemikger
Fri Apr 24, 2015 9:01 am
Forum: Investing - Theory, News & General
Topic: Peter Bernstein's 60/40 solution
Replies: 32
Views: 4308

Re: Peter Bernstein's 60/40 solution

Just goes to show you that simple truths are hard to follow. Similar for Burton Malkiel of "Random Walk Down Wall Street" fame. John Bogle might be as close to a true LONG TERM advocate of buy and hold, though he has some thoughts about tactical asset allocation from time to time. Thanks....
by stemikger
Fri Apr 24, 2015 8:57 am
Forum: Investing - Theory, News & General
Topic: Great little interview with John Bogle
Replies: 23
Views: 2221

Re: Great little interview with John Bogle

Jack - Not a fan of Target Date Funds, doesn't invest in International funds (I'm going out on a limb and guess he doesn't invest in International bonds either) - I'm beginning to like this guy even more. :happy I recently committed a large part of my TIRA to Balanced Index Fund and reduced my Inte...
by stemikger
Fri Apr 24, 2015 5:22 am
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 2888

Re: Who still have Cable TV?

GerryL wrote:Have never had cable. Or dish. Just little antennas (antennii?) in various rooms.


I have an outdoor antenna which works great, but the television in my kitchen uses an indoor. I always have issues with it and can never get all the channels. What's your secret?
by stemikger
Fri Apr 24, 2015 5:21 am
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 2888

Re: Who still have Cable TV?

tludwig23 wrote:I have no TV, thus no cable TV.


I could never do this. I love my tv too much. Maybe I have an addiction problem. lol.
by stemikger
Fri Apr 24, 2015 5:08 am
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 2888

Re: Who still have Cable TV?

Hawaiishrimp wrote:Who still have Cable TV? $100 bucks a month. What a waste.


I ditched my cable in 2008 and never looked back. Back then I was paying $70 per month and now I pay $16 for Netflix and Amazon.
by stemikger
Fri Apr 24, 2015 5:03 am
Forum: Investing - Help with Personal Investments
Topic: Bonds - why invest in them right now? Can use some help...
Replies: 10
Views: 1328

Re: Bonds - why invest in them right now? Can use some help.

My current portfolio allocations are currently 89% stocks and 11% bonds. My target is 80% stocks and 20% bonds. But I'm having trouble making myself buy more bonds right now. With the Fed broadcasting their intentions to raise the interest rates in the near future, I don't see the upside. Why inves...
by stemikger
Fri Apr 24, 2015 2:37 am
Forum: Personal Finance (Not Investing)
Topic: 2 million dollar mistake meeting with MIL's financial guy
Replies: 23
Views: 5040

Re: 2 million dollar mistake meeting with MIL's financial gu

I may not know much, but I know not to take investing advice from an insurance agent.
by stemikger
Fri Apr 24, 2015 2:20 am
Forum: Investing - Theory, News & General
Topic: Great little interview with John Bogle
Replies: 23
Views: 2221

Re: Great little interview with John Bogle

abuss368 wrote:Great article. Thanks!


Glad you enjoyed it. :beer
by stemikger
Fri Apr 24, 2015 2:18 am
Forum: Investing - Theory, News & General
Topic: Peter Bernstein's 60/40 solution
Replies: 32
Views: 4308

Peter Bernstein's 60/40 solution

I was reading John Bogle's book Enough on my way to work tonight and I was very disappointed to find out that after Peter L. Bernstein gave such sound advice in a 2001 essay titled "The 60/40 Solution" (60 percent stocks, 40 percent bonds), a strategy focused on emulating investment tortoi...
by stemikger
Fri Apr 24, 2015 2:00 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 3733

Re: Age in Bonds Poll

When I was younger in my 30s, I was 50/50 for several years. Now at 50, I have been all over the place. Currently sitting at 60/40 and hope I can stay here for a long time. I really wish I never heard Mr. Bogle say to include social security. That's something he does not say in his books, or at leas...
by stemikger
Fri Apr 24, 2015 1:16 am
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4490

Re: Who follows Age in Bonds

Losing 20% of my portfolio during a major market correction is about as much as I can handle. I am very conservative 40/60 at age 52. I know. It's easy to forget how that felt when the market keeps going up especially when you hit 50 and the amount is substantial compared to when you first started ...
by stemikger
Thu Apr 23, 2015 9:41 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 232
Views: 23627

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

Is anyone changing their asset allocation due to this advice (i.e. taking on more equity risk). I'm not, I'm just looking at lifestyle alternatives to let me enjoy life as much or more with reduced dependence on tossing money around during retirement. Life has dealt me a number of blows lately, and...
by stemikger
Thu Apr 23, 2015 9:37 pm
Forum: Investing - Theory, News & General
Topic: What is a Boglehead?
Replies: 55
Views: 2824

Re: What is a Boglehead?

Just be Average
by stemikger
Thu Apr 23, 2015 9:56 am
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4490

Who follows Age in Bonds

In my younger years, before I knew what kind of investor I was and didn't really know much, I was very conservative. In my 30s, I was 50/50 and then as I learned I gradually was 60/40 for many years. I know age in bonds is a starting place, but are there any folks who invested this way and stayed wi...
by stemikger
Thu Apr 23, 2015 9:33 am
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 232
Views: 23627

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

Is anyone changing their asset allocation due to this advice (i.e. taking on more equity risk).

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