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Re: Happy Birthday Taylor!

Happy Birthday Taylor! Have a wonderful day!
by stemikger
Sun Jan 25, 2015 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say [about various investing topics]
Replies: 47
Views: 2074

Re: Mr. Bogle's current bond investing advice--what is it?

Good idea to make this its own thread. I am also curious to see what other Bogleheads are doing. It is the first time many of us are confused on why we should be holding bonds and/or bond funds and if we should at the very least split it like your post suggests.
by stemikger
Sun Jan 25, 2015 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle's current bond investing advice--what is it?
Replies: 5
Views: 918

Re: Success stories of NOT buying more/too much house

Then there are all the harder to measure factors. If we lived in a more expensive neighborhood, would we have felt obligated to drive nicer cars, would our kids have pressured us for more material possessions, etc.? There is a lot of evidence that people who live in wealthier neighborhoods feel pre...
by stemikger
Sun Jan 25, 2015 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Success stories of NOT buying more/too much house
Replies: 35
Views: 2471

Re: Bob Brinker portfolio

I agree with a great deal of what you posted. Except the part about Bogle's bond fund recommendations John Bogle no longer recommends the Vanguard Total Bond Market Index Fund as the exclusive bond position for the average investor. A long time ago he did seem to have that recommendation. So I don'...
by stemikger
Sun Jan 25, 2015 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bob Brinker portfolio
Replies: 45
Views: 7588

Re: Bob Brinker portfolio

I am 52 and planning to retire in 10-15 years. What is your opinion about Brinker's portfolio? Akre focus fund 10% Vanguard small cap 10% Vanguard dividend growth 10% Vanguard FTSE All-world 10% Vanguard International growth 10% Vanguard total stock market 50% Thanks for your input. I may be statin...
by stemikger
Sun Jan 25, 2015 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bob Brinker portfolio
Replies: 45
Views: 7588

Re: Success stories of NOT buying more/too much house

We are happy in our current home but I actively am trying to fight lifestyle creep. Sq footage is fine for current house with 2 kids and we have done nice reno to the house. Would ideally like more land but the houses we are looking at would be 2-3x the cost of our current house (which we can affor...
by stemikger
Sun Jan 25, 2015 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Success stories of NOT buying more/too much house
Replies: 35
Views: 2471

Re: What Movie Have You Recently Watched?

Just watched the imitation game. Loved it!
by stemikger
Sun Jan 25, 2015 11:55 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 455
Views: 53602

Re: Mariotta's Gone-Fishing Portfolio

13 funds is considered simplicity?
by stemikger
Sat Jan 24, 2015 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Marotta's Gone-Fishing Portfolio
Replies: 12
Views: 1391

Re: Gotta Be a Bear Market Coming

Bear markets are healthy? Was 200$ healthy ? I don't accept that assumption therefore I am mainly in CDs and accept inflation risk as my main risk. Bear Markets are healthy and an inherent part of investing,accept it or put all your money in cds. :happy Hey Doc, read number 7. During these times, w...
by stemikger
Sat Jan 24, 2015 6:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7544

Re: Gotta Be a Bear Market Coming

You are right. Get out of stocks and put it in CDs until until February 23rd. At that point, put all back in the stock market until March 8th. At that point, put it back in Cds. . . Crazy right. Stay the Course. It's not easy, but it's the only way to invest. The rest is speculating and/or market t...
by stemikger
Sat Jan 24, 2015 1:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7544

Re: Gotta Be a Bear Market Coming

Warren Buffett recommend S&P 500 (which could be just as easily Total Stock) and Treasury bonds. Matches up for the most part with Jack Bogle recommending Total Stock and Total Bond (majority is Treasuries). Two of the smartest investors ever on the PLANET recommend a two asset class fund portf...
by stemikger
Sat Jan 24, 2015 1:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7544

Re: Gotta Be a Bear Market Coming

You are right. Get out of stocks and put it in CDs until until February 23rd. At that point, put all back in the stock market until March 8th. At that point, put it back in Cds. . . Crazy right. Stay the Course. It's not easy, but it's the only way to invest. The rest is speculating and/or market ti...
by stemikger
Fri Jan 23, 2015 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7544

Re: My strange little hobby

Congrats on your collection!! I had the privilege to meet Mr. Buffett while I was at school. I was in the investment club and we went to Omaha as he lets many colleges visit. I got a book autographed (compilation of his letters to shareholders) and shook his hand, he bought everyone lunch at Gorat'...
by stemikger
Thu Jan 22, 2015 7:15 pm
 
Forum: Personal Consumer Issues
Topic: My strange little hobby [Collecting signatures]
Replies: 19
Views: 2393

Re: My strange little hobby

My strange little hobby is finally complete. I have learned so much from three men I have never met. These three men have become mentors and people I try to emulate every day in my own personal life. Even though I was introduced to them through their writings on money, I found I learned more about ...
by stemikger
Thu Jan 22, 2015 6:45 pm
 
Forum: Personal Consumer Issues
Topic: My strange little hobby [Collecting signatures]
Replies: 19
Views: 2393

Re: My strange little hobby

I have a personalized note and signature from Mr. Bogle from winning the Bogleheads contest of predicting the ending value of the S&P 500 a few years back. I treasure that note and signature. He is a hero to me and I admire him not only for his investing wisdom, but his morals as a human being....
by stemikger
Thu Jan 22, 2015 6:42 pm
 
Forum: Personal Consumer Issues
Topic: My strange little hobby [Collecting signatures]
Replies: 19
Views: 2393

Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

I feel bad for the poor folks who may not have known better and were sold this pile of crap by some "Advosor" they trusted. This is tragic, but to get into a hedge fund you have to be an accredited investor. These people are considered sophisticated investors. I wonder how many of them di...
by stemikger
Thu Jan 22, 2015 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 6593

Re: Anyone regret paying off mortgage early?

No regrets at all. I'm very happy with my decision. It happened at the right time. If I still had a monthly mortgage I would not have been able to cash flow my daughter's college like I have been doing. She is set to graduate next year with a BA and she will have no loans. It looks like I can pay fo...
by stemikger
Thu Jan 22, 2015 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 248
Views: 32568

My strange little hobby [Collecting signatures]

My strange little hobby is finally complete. I have learned so much from three men I have never met. These three men have become mentors and people I try to emulate every day in my own personal life. Even though I was introduced to them through their writings on money, I found I learned more about l...
by stemikger
Thu Jan 22, 2015 10:34 am
 
Forum: Personal Consumer Issues
Topic: My strange little hobby [Collecting signatures]
Replies: 19
Views: 2393

Re: The Three Fund Portfolio

Corrections on Balanced Index: Since as you state above it has Admiral shares, by definition it does not have "two funds". It is one balanced fund, like Wellington or Wellesley, not a fund of funds. I am wary of taking advice from people who misstate the basic characteristics of anything,...
by stemikger
Thu Jan 22, 2015 10:20 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 444740

Re: Do you bring lunch to work or buy?

I work midnights and usually bring the same thing every night. I call it the John Bogle lunch because it is what he used to bring every day when he worked at Vanguard. A Peanut Butter Sandwich with a banana. I do switch it up now and again, but I really love peanut butter so it is my go to fast lunc...
by stemikger
Thu Jan 22, 2015 6:26 am
 
Forum: Personal Consumer Issues
Topic: Do you bring lunch to work or buy?
Replies: 122
Views: 12781

Re: What age did you pay off your "forever" home

We did not have a "forever home". We had a nice starter home, paid it off in 20 years, and lived there for 35 years. We then moved to our retirement home. By avoiding an extravagant home during our accumulation years, we were able to save more for retirement. Jeff +1 This is the route I'm...
by stemikger
Thu Jan 22, 2015 1:59 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you pay off your "forever" home
Replies: 52
Views: 4007

Re: Why invest in International funds? It's a mystery

I suspect Fama's quote was taken out of context by the Investment News writer. Given his association with DFA, I would be very surprised if Fama was truly against international diversification. I thought the same thing. However, John Bogle is quite clear that he does not think international is nece...
by stemikger
Thu Jan 22, 2015 1:55 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10390

Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

Hedge Funds? NO. Too much hype. Too much diffusion of performance among winners and losers. Too many different strategies. Too many successful managers who won't accept your money. Too much cost and too little tax efficiency. The management fees are so high that they often destroy even the small cha...
by stemikger
Thu Jan 22, 2015 1:42 am
 
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 6593

Re: The "Less Than" a Million $ Club

Posted by Tennisplyr Thanks camp, I think there are a few things operating here: -some people are just super conservative and never feel they have enough to make it -definitely there are those with skin in the game and want to scare you -we all have many, many options if you open your eyes, eg, get...
by stemikger
Thu Jan 22, 2015 1:19 am
 
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 71
Views: 9918

Re: What age did you hit $100,000?

To piggy back on this a little, do people feel the first $100,000 seemed to take long time to reach and or feel like one of the tougher numbers to reach? I know it was for myself. Yes. This was my experience. I didn't start saving for retirement until I was 30 and I did everything wrong for the fir...
by stemikger
Wed Jan 21, 2015 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 5757

Re: "When you've won the game, stop playing"

Thank you Taylor and Dr. Bernstein!
by stemikger
Wed Jan 21, 2015 9:09 am
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8264

Re: The "Less Than" a Million $ Club

I'm 65, retired 4 years and have appreciably less than a million $ in investable assets. My life is good and I continue to do things much like I did before I retired from a corporate job. I must admit I live in a mortgage-free home on Long Island. I'd like to hear stories like mine of retirees succ...
by stemikger
Mon Jan 19, 2015 6:37 pm
 
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 71
Views: 9918

Re: Dave Ramsey's bad advice at an all time high!

I can't listen to 30 minutes of the show without hearing at least one instance of terrible advice. He recently advised someone needing individual health insurance to go directly to insurance companies and go not go through the ACA exchange because that route was "too much government". I'v...
by stemikger
Sun Jan 18, 2015 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey's bad advice at an all time high!
Replies: 40
Views: 6302

Re: Why invest in International funds? It's a mystery

I side with Jack and don't feel it is necessary. I never held it and I have been investing in my 401K for 20 years. On a side note John Bogle and Warren Buffett don't think it is necessary either. I think I'm in good company. Re Buffett. He has invested in international companies. For example Tesco...
by stemikger
Sat Jan 17, 2015 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10390

Re: Why invest in International funds? It's a mystery

My question is, what are the reasons for doing so, and how does the data support that conclusion? I side with Jack and don't feel it is necessary. I never held it and I have been investing in my 401K for 20 years. On a side note John Bogle and Warren Buffett don't think it is necessary either. I th...
by stemikger
Sat Jan 17, 2015 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10390

Re: Why invest in International funds? It's a mystery

I side with Jack and don't feel it is necessary. I never held it and I have been investing in my 401K for 20 years.

On a side note John Bogle and Warren Buffett don't think it is necessary either. I think I'm in good company.
by stemikger
Fri Jan 16, 2015 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10390

Re: How does an Efficient Market explain Buffett?

How does the Efficient Market Hypothesis explain Mr.Buffett? Does his intellect, amount of time spent studying and educating himself show a flaw with the Efficient Market Hypothosis? I grant you I'm not as smart or knowledgable as Buffett when it comes to the market and most mutual fund managers ar...
by stemikger
Thu Jan 15, 2015 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: How does an Efficient Market explain Buffett?
Replies: 247
Views: 11613

Re: Burton Malkiel interview

Thanks for posting. I'm looking forward to watching it later.
by stemikger
Thu Jan 15, 2015 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel interview
Replies: 12
Views: 1095

Re: Is this an unreasonable quote for interior home painting

When I had the interior of my house painted I was amazed how different the estimates were from one another. I went with the cheapest quote and that was a mistake. It might be on the high side especially since the apartment is empty. At 670 sq. feet, you can knock that out in a weekend or two yoursel...
by stemikger
Wed Jan 14, 2015 2:24 am
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4318

Re: What was your costliest investment mistake?

In the .com crash in the early 60's I lost a little over $800,000. I owned a company that manufactured equipment for them and I paid all my bills on time, but toward the end they did not pay me for what I had shipped to them. I could cry and whine over it, but life is more important than that . Gre...
by stemikger
Wed Jan 14, 2015 2:16 am
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 119
Views: 9551

Re: Amazon Echo (Alexa)

Has anyone used Alexa? I got an invitation to buy it for $100. I'm sure you already know this, but you have 7 days to respond to the e-mail before you lose your place on the waiting list. On a side note, I love Amazon, but I think this invitation thing they did with the roll out of this product was...
by stemikger
Wed Jan 14, 2015 2:00 am
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 49
Views: 7437

Re: What was your costliest investment mistake?

Not so much a mistake but really just being unaware. I didn't start investing until around 30 and I was all over the place for several years. I didn't know the difference between a money market fund and an aggressive growth fund. At that time, we just so happened to have 10 funds in our 401K so I ju...
by stemikger
Tue Jan 13, 2015 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 119
Views: 9551

Re: Amazon Echo (Alexa)

I finally received my invitation to purchase it for $99. It is scheduled to arrive February 18th. After watching several You Tube videos from real people who were just playing around with it, I'm looking forward to having Alexa live with us. One reviewer said, if you think it is going to be a real p...
by stemikger
Tue Jan 13, 2015 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 49
Views: 7437

Re: What Movie Have You Recently Watched?

Unbroken - directed by Angelina Jolie. Awesome!!!
After a near-fatal plane crash in WWII, Olympian Louis Zamperini spends a harrowing 47 days in a raft with two fellow crewmen before he's caught by the Japanese navy and sent to a prisoner-of-war camp.

Based on a true story.
by stemikger
Mon Jan 12, 2015 8:43 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 455
Views: 53602

Re: Mice in the house

Posted by Dandy Called the exterminator, they set a few traditional mouse traps and a black box with poison that eventually clogs up the mouse's blood. The problem with the poison - is some of them may die in the walls. The idea is they get very thirsty before they die and leave the premises to fin...
by stemikger
Sun Jan 11, 2015 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5061

Re: Mice in the house

We've got mice. We heard them in the wall last night, and today found a dead one on the floor, probably killed by the cat. It has been super cold here, which may have driven them into the house. Maybe they will leave when it warms up. Maybe it was just that one that the cat killed. We had squirrels...
by stemikger
Sun Jan 11, 2015 8:57 am
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5061

Re: Vacuum cleaner recommendation?

Really love our upright Miele! Much better than brother's Dyson animal that we tried out. I didn't think I'd want to pay for bags periodically (I'm cheap) but the expense is minimal and not dealing with the gross particles and dust is fantastic. Glides and turns very smoothly, although it is heavy ...
by stemikger
Sun Jan 11, 2015 8:46 am
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner recommendation?
Replies: 71
Views: 11539

Re: Vacuum cleaner recommendation?

Last year after 23 years our Electrolux finally gave up. Grant it I fixed it about 3 or 4 times over the years and in the end we called it the Frankenstein vacuum because it had so many different parts. I finally let it go. I bought the Oreck Commercial Vacuum on Amazon. http://www.amazon.com/Oreck-...
by stemikger
Sat Jan 10, 2015 10:48 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner recommendation?
Replies: 71
Views: 11539

Re: What is the international portion of your portfolio and

0% - I am happy with whatever international diversification I get through my two fund portfolio which is 70% Vanguard Institutional Index Fund and 30% Black Rock U.S. Debt Index.
by stemikger
Sat Jan 10, 2015 4:43 am
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 126
Views: 8694

Re: An Excellent Article about 4% Withdrawal Rule

Thanks for posting. Looking forward to read it later.
by stemikger
Fri Jan 09, 2015 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: An Excellent Article about 4% Withdrawal Rule
Replies: 10
Views: 3259

Re: Great Q&A with John Bogle

Stemikger: Thank you very much for providing the link to this JB video....I just watched it in its entirety.....I highly recommend it to this entire board......Big Jack at his inimitable best......includes the "inside history" of Vanguard......you all can afford the 70 minutes to watch it...
by stemikger
Thu Jan 08, 2015 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: Great Q&A with John Bogle
Replies: 3
Views: 1118

Great Q&A with John Bogle

I just came across this video on You Tube.

Jack has an amazing intellect and he gets better with age. Awe inspiring.

https://www.youtube.com/watch?v=R1b8alXOYWA
by stemikger
Thu Jan 08, 2015 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: Great Q&A with John Bogle
Replies: 3
Views: 1118

Re: Psychology vs. Fundamentals of investing

Great Post! As far as index investing I am 100% and have been for quite a while. My guess is at least 15 of the 20 years I have been investing. When I started investing 20 years ago there were no index options in my 401K and I also had no clue what I was doing. Once I understood the idea of index fu...
by stemikger
Thu Jan 08, 2015 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: Psychology vs. Fundamentals of investing
Replies: 61
Views: 4477

Re: Buffett quote of the day: Market is a "Drunken Psycho"

Buffett is a boglehead. Buffet is the consummate value investor. Perhaps he is a Boglehead now. But his investing career, as I recall, involved heavy bets on a few companies, all value oriented. It is a little different when one tends to buy controlling interest in a company. :moneybag tludwig23 ha...
by stemikger
Thu Jan 08, 2015 6:20 am
 
Forum: Investing - Theory, News & General
Topic: Buffett quote of the day: Market is a "Drunken Psycho"
Replies: 12
Views: 2810

Re: Bonds had a pretty good year in 2014?

Posted by Lastestarter1975 Even Warren Buffets hates bonds. I guess this is a reminder to shut out all the noise.....nobody really can forecast the markets (stock or bond) very well To be fair to Warren Buffett, every time he says that, he has always said he is no good at predicting when it will ha...
by stemikger
Thu Jan 08, 2015 1:07 am
 
Forum: Investing - Theory, News & General
Topic: Bonds had a pretty good year in 2014?
Replies: 11
Views: 1655
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