Search found 3168 matches

by stemikger
Sat Aug 29, 2015 7:02 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle: How to handle the market's wild ride
Replies: 13
Views: 1122

Re: Jack Bogle: How to handle the market's wild ride

Thanks for posting. I will read it later.
by stemikger
Fri Aug 28, 2015 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 74
Views: 2452

Re: If stocks dropped 30% next Monday, would you rebalance?

I already rebalanced so I would just stay the course. At 51, I finally got this down and this last drop really didn't even phase me. Of course, I was relaxing pool side at the Cabana Bay Resort and then laying on the beach in Sullivan Island, which I think might have helped with that. lol.
by stemikger
Fri Aug 28, 2015 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: I have a Confession...Dave Ramsey...Help!
Replies: 20
Views: 2103

Re: I have a Confession...Dave Ramsey...Help!

I live debt free. It is not always the best thing to do math wise, but for me it fits my personality and can't imagine going into debt for anything. When I paid off my home mortgage, I really started worrying less. I will always worry because it's my nature (but I'm working on that), but it really d...
by stemikger
Fri Aug 28, 2015 4:13 pm
Forum: Investing - Theory, News & General
Topic: Does John Bogle respond to autograph requests
Replies: 1
Views: 283

Does John Bogle respond to autograph requests

Hi folks, I would like to write to Mr. Bogle to ask if he could send me his autograph. I would like it to say my name to make it personal. The address I have is the Vanguard Group, P.O. Box 2900, Valley Forge, PA 19482-2900. The last few years I have been collecting autographs on e-bay, a hobby I'm ...
by stemikger
Fri Aug 28, 2015 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Does this one-fund portfolio make sense?
Replies: 12
Views: 817

Re: Does this one-fund portfolio make sense?

I've been saving for retirement for a while and am considering early retirement in 5-10 years. I currently have my funds about 50/50 in a low-cost diversified ETF and in cash and want to invest the cash. I've been looking for a good bond fund and have been struggling with the fact that bonds have a...
by stemikger
Fri Aug 28, 2015 9:26 am
Forum: Investing - Theory, News & General
Topic: Where are John Bogle and Warren Buffett
Replies: 18
Views: 2336

Re: Where are John Bogle and Warren Buffett

Leeraar wrote:I would hope, like many sane people in August, they are on vacation.

L. :D


That's where I was when all this happened. It was the best place to be, I didn't do a think except rebalance.
by stemikger
Fri Aug 28, 2015 9:24 am
Forum: Investing - Theory, News & General
Topic: Where are John Bogle and Warren Buffett
Replies: 18
Views: 2336

Re: Where are John Bogle and Warren Buffett

It's probably because CNBC wants to sensationalize the situation a bit more before they bring on two of the smartest and most rational thinkers in the world. John Bogle and Warren Buffett are giving almost the exact same advice except Warren does not think we need bonds but hold enough cash or treas...
by stemikger
Thu Aug 27, 2015 4:51 pm
Forum: Personal Consumer Issues
Topic: Nissan Versa Note SV
Replies: 14
Views: 858

Re: Nissan Versa Note SV

I have been driving the 2009 Nisan Versa Sedan since February of 09. I love the car, however, the safety another poster posted does concern me. The car feels very big inside and I have had some big people in my car. It's small on the outside but very roomy on the inside. It is great for a get around...
by stemikger
Wed Aug 26, 2015 5:14 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks Does it Ever Make Sense?
Replies: 73
Views: 3544

Re: Individual Stocks Does it Ever Make Sense?

Hi everyone, I've always been a Vanguard 3-fund guy. Recently (and yes this is market timing, I'm sorry!), due to the relatively high CAPE Ratio of 24-27 for the US stock market, I convinced myself to open a separate brokerage account (taxable account) to buy some high quality, big moat, dow compan...
by stemikger
Wed Aug 26, 2015 8:23 am
Forum: Investing - Help with Personal Investments
Topic: guess this ... if the Fed raises rates on 9/7 what happens to the Total Bond Market Fund?
Replies: 9
Views: 583

Re: guess this ... if the Fed raises rates on 9/7 what happens to the Total Bond Market Fund?

Here's Warren's take on it. https://www.youtube.com/watch?v=1N3g47P-iRc Here's Jack's take on it. Note, he says he can clearly be wrong and even here he is telling us the best case scenario for bonds is a 0 nominal return. https://www.youtube.com/watch?v=nWI64TKU64o We just have to hold stocks and t...
by stemikger
Tue Aug 25, 2015 2:43 pm
Forum: Investing - Theory, News & General
Topic: New Investors - First Correction?
Replies: 45
Views: 3829

Re: New Investors - First Correction?

So a little bit of a story about me. I started saving and investing 4 years ago. After doing many stupid things with my money a few months ago I pulled all of my sector funds, individual stocks, etc and parked them in cash while consuming the content on this forum, the boglehead wiki, and a few oth...
by stemikger
Tue Aug 25, 2015 11:28 am
Forum: Investing - Theory, News & General
Topic: How do you diversify?
Replies: 24
Views: 1698

Re: How do you diversify?

I like to keep things as simple as John Bogle suggests. The Total U.S. Stock Index and the Total U.S. Bond Index. Many here do slice and dice, but as John Bogle suggests, don't push too far because you may fall short of what the market returns will be. I don't even hold international which is usuall...
by stemikger
Tue Aug 25, 2015 11:16 am
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 183
Views: 12898

Re: The Bogleheads' Silent Majority

Today the Noise Makers are having a blast. Miss Market is having a bad hair day, or so I heard. As far as reacting to market conditions, we know what a few forum members are doing (we have read their posts); however, nothing heard from a very quiet group. The quiet group is observing, taking notes,...
by stemikger
Tue Aug 25, 2015 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Janus Bond Fund down almost 3% yesterday
Replies: 13
Views: 1381

Re: Janus Bond Fund down almost 3% yesterday

John Bogle warns us about these type of bond funds. IMHO why take stock type risks with your bond funds. Aren't they supposed to be for safety? At this point the benefit of diversification does not pay off. You might as be 100% in a stock index fund.
by stemikger
Tue Aug 25, 2015 10:49 am
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 84
Views: 8804

Re: How are you being GREEDY when others are fearful?

I was actually more fearful when things kept going up. Glad to get a few bargains while I still have 12 to 15 years of investing ahead of me. Nice to see you back! I was getting worried, when I didn't see anymore John Bogle video threads or "why the Balanced Index is the best fund to hold"...
by stemikger
Tue Aug 25, 2015 7:48 am
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 84
Views: 8804

Re: How are you being GREEDY when others are fearful?

I was actually more fearful when things kept going up. Glad to get a few bargains while I still have 12 to 15 years of investing ahead of me.
by stemikger
Thu Aug 06, 2015 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: "Gone Fishin' Portfolio" vs "Three Fund Portfolio"
Replies: 23
Views: 2607

Re: "Gone Fishin' Portfolio" vs "Three Fund Portfolio"

Simplicity is the Master Key to Financial Success. Not in the above case I presented above. As Larry says - Simplicity is highly overrated. Simplicity can be very expensive. I'm not looking to hit home runs, but for my money one fund can do it all which is the Vanguard Balanced Index Fund. 5 Year =...
by stemikger
Thu Aug 06, 2015 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: "Gone Fishin' Portfolio" vs "Three Fund Portfolio"
Replies: 23
Views: 2607

Re: "Gone Fishin' Portfolio" vs "Three Fund Portfolio"

10 funds vs. 3 funds. No contest in my mind. I personally like the two or one fund (i.e. Total Stock Index and Total Bond Index) or The Vanguard Balanced Index Fund. I like to follow John Bogle's advice and he is not a fan of REITS and Precious Metals. Simplicity is the Master Key to Financial Succe...
by stemikger
Thu Aug 06, 2015 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey Rec. "conservative" AA
Replies: 18
Views: 3345

Re: Dave Ramsey Rec. "conservative" AA

Listening to Daves Podcast today and a 70 yo called in and asked about what aa he should have as he is retired. Dave recommended he move money out of the "aggressive growth" category and put it into a "safe" Growth and Income or Balanced fund. I wonder if Dave realizes that thos...
by stemikger
Thu Aug 06, 2015 9:20 am
Forum: Investing - Theory, News & General
Topic: 3 Reasons to Rejoice Higher Interest Rates
Replies: 54
Views: 7100

Re: 3 Reasons to Rejoice Higher Interest Rates

A strange thing to me is that dividend stocks get so much love while bonds get so much hate, even though everything that's true about dividend stocks (compared to non-dividend-payers) is truer for bonds, and many things that are half-true for dividend stocks are simply true--or very nearly so--abou...
by stemikger
Thu Aug 06, 2015 4:48 am
Forum: Investing - Theory, News & General
Topic: 3 Reasons to Rejoice Higher Interest Rates
Replies: 54
Views: 7100

Re: 3 Reasons to Rejoice Higher Interest Rates

Thanks Rick. I found this very helpful.
by stemikger
Thu Aug 06, 2015 12:49 am
Forum: Investing - Theory, News & General
Topic: An Evening with John Bogle
Replies: 0
Views: 362

An Evening with John Bogle

If you want to stream a great video and have Amazon Prime, watch an Evening with John Bogle (From Wall Street to Your Street). It's Jack at his best. If you have Prime, it's free to watch.
by stemikger
Thu Aug 06, 2015 12:46 am
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 81
Views: 7798

Re: Could John Bogle Be Right About International Stock?

You have to ask yourself this: How often is John Bogle wrong. With a 60 plus year track record, I follow his simple two fund portfolio advice and have done so for the last 22 years. I have never held international. Sleeping very well at night with a 60/40 portfolio. I watch his You Tube videos dail...
by stemikger
Thu Aug 06, 2015 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 81
Views: 7798

Re: Could John Bogle Be Right About International Stock?

You have to ask yourself this: How often is John Bogle wrong. With a 60 plus year track record, I follow his simple two fund portfolio advice and have done so for the last 22 years. I have never held international. Sleeping very well at night with a 60/40 portfolio. I watch his You Tube videos daily...
by stemikger
Wed Aug 05, 2015 2:50 am
Forum: Investing - Theory, News & General
Topic: Got a Question for the Jack Bogle Q&A @ Bogleheads Conference?
Replies: 45
Views: 8966

Re: Got a Question for the Jack Bogle Q&A @ Bogleheads Conference?

Hi Mr. Bogle ("Jack"), It is old news and most know that Warren Buffett has given the Vanguard 500 Index Fund his seal of approval and is putting 90% of the money he is leaving his wife in it. 10% will be held in treasuries for liquidity. His advice to the average person is to hold enough ...
by stemikger
Tue Aug 04, 2015 12:58 am
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 422
Views: 35042

Re: Will you buy an Apple Watch?

No way! Have no desire to even own a cell phone. I really hate the way cell phones and social media changed the world. People look like zombies always looking at their phones, people can't go out to dinner without posting things on Facebook instead of enjoying the dinner conversation. It seems like...
by stemikger
Mon Aug 03, 2015 7:29 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 422
Views: 35042

Re: Will you buy an Apple Watch?

No way! Have no desire to even own a cell phone. I really hate the way cell phones and social media changed the world. People look like zombies always looking at their phones, people can't go out to dinner without posting things on Facebook instead of enjoying the dinner conversation. It seems like ...
by stemikger
Mon Aug 03, 2015 6:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Meeting John Bogle
Replies: 2
Views: 665

Meeting John Bogle

Without going to a BH conference, what other way would one meet John Bogle to get a book signed and just to say thanks. It is one of my dreams to shake his hand and simply say thank you. Of course, the real fantasy would be to take him out to lunch and just spend some time talking to him, but just t...
by stemikger
Mon Aug 03, 2015 6:34 pm
Forum: Investing - Theory, News & General
Topic: Financial Advisor v. Bogle Approach?
Replies: 33
Views: 2809

Re: Financial Advisor v. Bogle Approach?

Leeraar wrote:It would be nice if the OP returned ... :(

L.


This happens a lot and I hate to say it but with only one post he could have been trolling.
by stemikger
Mon Aug 03, 2015 11:25 am
Forum: Personal Finance (Not Investing)
Topic: real estate in NYC
Replies: 38
Views: 3088

Re: real estate in NYC

Are you dead set against one of the outer boroughs? Or possibly Jersey? Don't know where you are living now in Manhattan, but there is a lot of residential building going on in Chelsea. When I walk the High Line I can't believe how many condos are going up. Many of them are also rentals. I know tha...
by stemikger
Mon Aug 03, 2015 6:51 am
Forum: Personal Finance (Not Investing)
Topic: real estate in NYC
Replies: 38
Views: 3088

Re: real estate in NYC

Could you just move to Brooklyn? It's more interesting than most of Manhattan, anyway. The problem is Brooklyn has been the new Manhattan for years and the prices are pretty much the same. Coble Hill, Brooklyn Heights, Williamsburg all are at city prices. The trick is to guess on the next area to b...
by stemikger
Mon Aug 03, 2015 6:40 am
Forum: Personal Finance (Not Investing)
Topic: real estate in NYC
Replies: 38
Views: 3088

Re: real estate in NYC

Are you dead set against one of the outer boroughs? Or possibly Jersey? Don't know where you are living now in Manhattan, but there is a lot of residential building going on in Chelsea. When I walk the High Line I can't believe how many condos are going up. Many of them are also rentals. I know tha...
by stemikger
Sun Aug 02, 2015 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: real estate in NYC
Replies: 38
Views: 3088

Re: real estate in NYC

Are you dead set against one of the outer boroughs? Or possibly Jersey? Don't know where you are living now in Manhattan, but there is a lot of residential building going on in Chelsea. When I walk the High Line I can't believe how many condos are going up. Many of them are also rentals. I know that...
by stemikger
Sat Aug 01, 2015 5:08 pm
Forum: Investing - Theory, News & General
Topic: Financial Advisor v. Bogle Approach?
Replies: 33
Views: 2809

Re: Financial Advisor v. Bogle Approach?

John Bogle is right and the industry knows it. However, there is a billion dollar marketing machine that tries to convince us otherwise. Simplicity is the way to go. It really can be as simple as two funds (i.e. The Total Stock and Total Bond Index and if you want a splash of international make that...
by stemikger
Thu Jul 30, 2015 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: capital one 360
Replies: 13
Views: 1829

Re: capital one 360

I had ING and stayed with Capital One 360 when they took over. Great customer service and very easy website. The only reason why I closed my account was because my wife is not a savvy computer user, so I just transferred everything into my local bank in a passbook savings account. I never cared abou...
by stemikger
Thu Jul 30, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3732

Re: Geico Auto Insurance

GEICO is awesome. I had two car accidents and one broken window. The first car accident happened when the car was parked in the street, so I had no one to go after. GEICO walked me through everything. Got my $1,000 deductible in record time. The second one was no fault a guy cut in front of me, aga...
by stemikger
Thu Jul 30, 2015 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 81
Views: 7798

Re: Could John Bogle Be Right About International Stock?

Possibly. Warren Buffet suggests that just the S&P 500 is enough (at least in his wife's future portfolio). I think everyone needs to create a plan and stick to it. I made the decision to spread risk and go global (50% US / 50% International). Is that best/optimal? I believe that is the wrong q...
by stemikger
Thu Jul 30, 2015 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3732

Re: Geico Auto Insurance

GEICO is awesome. I had two car accidents and one broken window. The first car accident happened when the car was parked in the street, so I had no one to go after. GEICO walked me through everything. Got my $1,000 deductible in record time. The second one was no fault a guy cut in front of me, agai...
by stemikger
Wed Jul 29, 2015 5:40 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns – Don’t quit your day job.
Replies: 103
Views: 10623

Re: Scott Burns – Don’t quit your day job.

Doesn't this sum up the whole "listening to returns predictions/forecasts from 'people I respect' argument" in a nutshell? Even a broken clock is right twice a day. I'm beginning to wonder if when someone said "tune out the noise" they were referring to some of the noise on this...
by stemikger
Tue Jul 28, 2015 3:30 pm
Forum: Investing - Theory, News & General
Topic: 50/50 asset allocation
Replies: 69
Views: 5975

Re: 50/50 asset allocation

Do you think 60/40 is a good compromise if that is the route I want to go. I personally think the Vanguard retirement Income funds with only 30% in stocks is not enough to keep up with inflation and/or leave some behind to your heirs and hopefully some charities. I think 60/40 is a good compromise ...
by stemikger
Tue Jul 28, 2015 3:27 pm
Forum: Investing - Theory, News & General
Topic: 50/50 asset allocation
Replies: 69
Views: 5975

Re: 50/50 asset allocation

I wonder why Vanguard doesn't offer a 50/50 all in one fund. Do you think 60/40 is a good compromise if that is the route I want to go. I personally think the Vanguard retirement Income funds with only 30% in stocks is not enough to keep up with inflation and/or leave some behind to your heirs and ...
by stemikger
Mon Jul 27, 2015 7:18 am
Forum: Investing - Theory, News & General
Topic: Scott Burns – Don’t quit your day job.
Replies: 103
Views: 10623

Re: Scott Burns – Don’t quit your day job.

Waaa waaaa waaaaa Life is so hard. I can never retire. I better work until I'm 75 and then use a 1.5% withdrawal rate. Seriously people. It isn't half as dismal as most people seem to think for various reasons. # 1 You probably won't live 30 years after a standard retirement anyway. Average is 19 y...
by stemikger
Mon Jul 27, 2015 7:10 am
Forum: Investing - Theory, News & General
Topic: 50/50 asset allocation
Replies: 69
Views: 5975

Re: 50/50 asset allocation

kenner wrote:https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations

Might make a difference to some investors.


Thanks for the link.
by stemikger
Sun Jul 26, 2015 10:16 am
Forum: Investing - Theory, News & General
Topic: 50/50 asset allocation
Replies: 69
Views: 5975

Re: 50/50 asset allocation

hulburt1 wrote:I'm going to a 3 year living expenses in money fund and rest in total stock market and have the dividends put into the money fund all Vanguard.


Kind of sounds like what Buffett is doing for his wife. Hold enough in cash to feel secure and put the rest in the Vanguard 500 Index.
by stemikger
Sun Jul 26, 2015 10:14 am
Forum: Investing - Theory, News & General
Topic: 50/50 asset allocation
Replies: 69
Views: 5975

Re: 50/50 asset allocation

Scott Burns: Couch potato investing wins again Fun to read, by Scott Burns: http://www.dentonrc.com/business-tech/denton-business-headlines/20150214-scott-burns-couch-potato-investing-wins-again.ece Shameless disclaimer: My post shall not be taken as an investment recommendation--my signature appli...
by stemikger
Sun Jul 26, 2015 9:18 am
Forum: Investing - Theory, News & General
Topic: 50/50 asset allocation
Replies: 69
Views: 5975

Re: 50/50 asset allocation

VWIAX 0.18 ER. (38% equity/62% bond) VWENX 0.18 ER. (65% equity/35% bond) VASIX 0.14 ER. (20% equity/80% bond) VTI 0.05 ER. (100% equity) BND 0.07 ER. (100% bond) Is it really that hard to allocate and rebalance so that you choose to pay a multiple of the base ER which could add thousands to your c...
by stemikger
Sun Jul 26, 2015 9:11 am
Forum: Investing - Theory, News & General
Topic: Scott Burns – Don’t quit your day job.
Replies: 103
Views: 10623

Re: Scott Burns – Don’t quit your day job.

Scott Burns is sinking, in my book when it comes to financial articles. No one on this forum ever plans their retirement based on 1980. We look at the last 100 years and gauge our planning based on the worst case. In the early 1930s, there were no safety nets, such as medicare and Social Security, ...
by stemikger
Sun Jul 26, 2015 8:59 am
Forum: Investing - Theory, News & General
Topic: Scott Burns – Don’t quit your day job.
Replies: 103
Views: 10623

Re: Scott Burns – Don’t quit your day job.

Burt, from the looks of your picture, I think you have an alternative plan! :happy Yes, frugality and simplicity is a key component of my retirement plan. However, I do plan to splurge a bit and buy a nice bathrobe for when I venture out in public. :wink: burt Hey The Dude always was a happy guy, i...
by stemikger
Sun Jul 26, 2015 8:00 am
Forum: Personal Finance (Not Investing)
Topic: How much does Property Tax factor in home purchase?
Replies: 36
Views: 2628

Re: How much does Property Tax factor in home purchase?

I would find an option that enables to live below your means. You will sleep better in the long run. Hopefully your wife is on board. If she want's to keep up with the Jones's you may want to have a heart to heart with her. If you do, (which it doesn't sound like you do), it would benefit you to shi...

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