Search found 3027 matches

by stemikger
Wed Jul 01, 2015 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Pick One of Three! Vanguard Balanced Funds
Replies: 16
Views: 1353

Re: Help Picking a Balanced Fund at Vanguard

Balanced Index Admiral - stated investment charter (no fine tuning unlike the Lifestrategy Funds which have been known to see-saw between active management, then International Bond addition, who knows what comes next?) I own Wellington, but it's not my only fund holding, it has a fine long term tra...
by stemikger
Tue Jun 30, 2015 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: How do you Lazy portfolio funders deal with dips in the market?
Replies: 60
Views: 4129

Re: How do you Lazy portfolio funders deal with dips in the market?

If you have your asset allocation set at what enables you to sleep at night and hopefully will get you to your goals, the lazy portfolio should be relatively stress free. Pick a date once or twice a year to see if you need to rebalance and go back to being lazy. P.S. I vote for once a year to rebala...
by stemikger
Mon Jun 29, 2015 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: How do you Lazy portfolio funders deal with dips in the market?
Replies: 60
Views: 4129

Re: How do you Lazy portfolio funders deal with dips in the market?

If you really want to be lazy, stick it in a Target Retirement or Balanced Fund and don't look at it at all.

John Bogle has often said. Don't Peek, Don't Peek, Don't Peek!!
by stemikger
Mon Jun 29, 2015 7:38 am
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 144
Views: 19284

Re: When saving money becomes an irrational obsession

I think we may all have a little bit of that in us, but most healthy people will realize when it becomes an irrational problem. I have a cousin who is a hoarder. I haven't been to her house in 20 years even though she lives less than a mile a way. My sister did go to see her house last year and it w...
by stemikger
Mon Jun 29, 2015 7:13 am
Forum: Investing - Theory, News & General
Topic: Spending from separate retirement buckets
Replies: 21
Views: 1561

Re: Spending from separate retirement buckets

I'm ten to 14 years away from retirement. I have been hearing more and more about having buckets lately on some financial radio shows. I don't think that would be for me. The way I see it, if I'm lucky enough to stay employed for the next 14 years, my social security would be good enough to practica...
by stemikger
Sun Jun 28, 2015 4:17 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 245
Views: 15150

Re: What ratio are you stocks/bonds and how old are you?

privatefarmer wrote:125% stocks (w/ margin), 0% bonds. Age 31.


As long as you have someone to bail you out at the bottom.
by stemikger
Sat Jun 27, 2015 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: As a couple in late 30s, how bad are we doing?
Replies: 57
Views: 8361

Re: As a couple in late 30s, how bad are we doing?

It's really not that much of a late start. I didn't start saving until I was in my mid thirties and at 51, I did alright. Like others said, most of your net worth is in your home. When you are ready for retirement, you can sell your home and downsize and there you have a big portion of retirement. H...
by stemikger
Sat Jun 27, 2015 7:01 am
Forum: Investing - Theory, News & General
Topic: Bogleheads are more aggressive...
Replies: 57
Views: 5943

Re: Bogleheads are more aggressive...

Could it be that because bonds are facing interest rate head winds that some have scaled back their bond percentage? Regarding Mr. Bogle's recommendation of age in bonds, I have always found it confusing that he recommends including Social Security and pension income when determining bond allocatio...
by stemikger
Thu Jun 25, 2015 6:03 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 245
Views: 15150

Re: What ratio are you stocks/bonds and how old are you?

I just turned 51 two days ago. I am 60/40. This is my Goldilocks AA. It makes me feel like I have enough skin in the game during a bull and hopefully gives me a smoother ride during a bear. Even though Peter Bernstein took back what he said pertaining to the below article, I still think it is the be...
by stemikger
Wed Jun 24, 2015 4:54 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 217
Views: 19295

Re: What was the 2008 crash like in real time?

I'm in my 20's, so I was not investing in 2008. I have 20% in bonds because I'd like to have some money to buy low if the market crashes. Did everyone here stick to their strategies during the crash? Did some people here buy a ton of stocks when they were tumbling? Interesting topic. I was 44 and t...
by stemikger
Tue Jun 23, 2015 2:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday to Mel [Lindauer]
Replies: 36
Views: 2244

Re: Happy Birthday to Mel [Lindauer]

Have a great day Mel. We are almost birthday twins! Mine is tomorrow. Enjoy your day my fellow Cancerian! :beer
by stemikger
Mon Jun 22, 2015 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a nurse?
Replies: 71
Views: 7254

Re: Should my husband become a nurse?

ktd wrote:I know many nurses and a few doctors do it for the money and stable career.


I'm sure there are many, but there has to be something in them where they like it to a point. I think the medical field can be horrible if it is not the right fit for your personality.
by stemikger
Mon Jun 22, 2015 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a nurse?
Replies: 71
Views: 7254

Re: Should my husband become a nurse?

Warren Buffett says everyone should do a job they would do if they didn't need the money. If he thinks he will love nursing, go for it. I know several male nurses and they make very good money and usually have to turn down the OT. However, what is in demand today, may not be in demand tomorrow. I re...
by stemikger
Sun Jun 21, 2015 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with the fear: "Will we be eating cat food?"
Replies: 90
Views: 13779

Re: Will we be eating cat food?

Seems your husband needs professional psychiatric/psychological help if he thinks you'll be eating catfood with $3.5 million of assets!!! This may be the onset of dementia and others have indicated... I only read one or two comments, but I was going say something very similar. I think you are both ...
by stemikger
Sat Jun 20, 2015 4:00 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Investing Advice or: A Chris Hogan: America's Voice on Retirement Story
Replies: 15
Views: 2698

Re: Dave Ramsey's Investing Advice or: A Chris Hogan: America's Voice on Retirement Story

Great Post. I don't get why Dave can't admit he is wrong when it comes to investing. It makes him seem very ignorant. Try to find the audio clip when he had a blog writer on who was debating his 12%. This guy was extremely respectful and articulate and like a true gentleman he agreed to come on Dave...
by stemikger
Fri Jun 19, 2015 9:43 pm
Forum: Investing - Theory, News & General
Topic: "An Interview With A Boglehead"
Replies: 18
Views: 2730

Re: "An Interview With A Boglehead"

Thank you for the link Taylor!!

Always great to hear real life examples of Common Sense Investing.
by stemikger
Fri Jun 19, 2015 1:53 am
Forum: Investing - Theory, News & General
Topic: A Look Inside Jack Bogle's Office
Replies: 27
Views: 4955

Re: A Look Inside Jack Bogle's Office

What a treat. Thanks Mel. Have you ever been to his house? My guess is, he is like Warren Buffett and lives in a somewhat humble house.
by stemikger
Thu Jun 18, 2015 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: buying a home with daughter and son in law
Replies: 17
Views: 3056

Re: buying a home with daughter and son in law

My family and grandparents lived in a duplex. It worked out very well. As small children, it was great to have our grandparents near by. I think the grandparents owned the house and my parents were buying it from them in installments, although I was too little to know for sure. Those were great tim...
by stemikger
Thu Jun 18, 2015 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: buying a home with daughter and son in law
Replies: 17
Views: 3056

Re: buying a home with daughter and son in law

No advice but I will relay the story of what happened to my Mother and Sister. They did this and it turned into a nightmare. My sister got divorced, the son-in-law my Mother once treated like a son turned into a monster and they are both basically homeless relaying on me and my Uncle to take them in...
by stemikger
Thu Jun 18, 2015 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Change of heart on bonds
Replies: 29
Views: 4365

Re: Change of heart on bonds

InvestorAdam, I didn't read the other replies yet, so forgive me if this was mentioned. You made a good point on the difference between a smaller portfolio and a larger one. During a major correction, it takes real fortitude to stay the course. Hold enough bonds to sleep well at night. I have strugg...
by stemikger
Wed Jun 17, 2015 6:32 am
Forum: Personal Consumer Issues
Topic: Help me choose an EXPENSIVE* red wine for a gift
Replies: 22
Views: 2471

Re: Help me choose an EXPENSIVE* red wine for a gift

Opus red table wine. It runs around $250 to $500 a bottle and has a huge wow factor, not to mention an excellent taste +1 Also, it's a little cheaper but Cakebread makes a very good cab. I never bought Opus but know that it is one of those wines that has the wow factor. I did buy Cakebread Cellars ...
by stemikger
Tue Jun 16, 2015 5:44 pm
Forum: Investing - Theory, News & General
Topic: Cost difference
Replies: 27
Views: 2149

Re: Cost difference

Thanks everyone. Livesoft, no offense was taken and I appreciate your help. I'm a close enough kind of guy, so $60 was fine with me. Thanks to the others. This is all in a 401K, so a balanced fund will fit the bill. The amount of money saved will not be a deal breaker. Thanks again!! Balanced Index...
by stemikger
Tue Jun 16, 2015 4:03 pm
Forum: Investing - Theory, News & General
Topic: Cost difference
Replies: 27
Views: 2149

Re: Cost difference

Thanks everyone. Livesoft, no offense was taken and I appreciate your help. I'm a close enough kind of guy, so $60 was fine with me.

Thanks to the others. This is all in a 401K, so a balanced fund will fit the bill. The amount of money saved will not be a deal breaker.

Thanks again!!
by stemikger
Tue Jun 16, 2015 9:38 am
Forum: Investing - Theory, News & General
Topic: Cost difference
Replies: 27
Views: 2149

Re: Cost difference

livesoft wrote:It may look like it will be $60, but it isn't.


How's that? Embarrassed to admit this, but I'm dyslexic especially with numbers. Can you tell me what I did wrong?
by stemikger
Tue Jun 16, 2015 9:14 am
Forum: Investing - Theory, News & General
Topic: Cost difference
Replies: 27
Views: 2149

Re: Cost difference

Weighted average of the expense ratios: [ (60 * 0.05) + (40 * .07) ] / (60 + 40) = I hope you can see that the result of the above equation will be more than 0.05 and less than 0.07. Then apply that weighted expense ratio to a $10,000 investment. Thanks, it looks like it will be $60 vs. $90 per $10...
by stemikger
Tue Jun 16, 2015 8:52 am
Forum: Investing - Theory, News & General
Topic: Cost difference
Replies: 27
Views: 2149

Cost difference

If the Vanguard Balanced Index Fund cost $9 per $10K for admiral shares.

How much would it be if I chose the Vanguard Total Stock Index and Total Bond Index also choosing 60/40 (Admiral Shares).

I'm not sure how to figure it out.

Thanks
by stemikger
Tue Jun 16, 2015 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Nice Milestone Reached Last Week
Replies: 41
Views: 6728

Re: Nice Milestone Reached Last Week

I got news for you. . .

You are officially AWESOME!!!! :sharebeer :beer
by stemikger
Mon Jun 15, 2015 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Bear Market strategies, if any
Replies: 61
Views: 6691

Re: Stay the Course

Bear Market strategies, if any? canbonbon: I have lived through 11 bear markets (a 20% decline in the stock market). My "Bear Market" strategy is the same as my "Bull Market" strategy -- Stay the Course. " Stay the Course . No matter what happens, stick to your program. I'v...
by stemikger
Sun Jun 14, 2015 7:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 931
Views: 146990

Re: What Movie Have You Recently Watched?

Just saw Jurassic World. I'm not into special effect movies and I despise super hero movies of all kinds. My wife and daughter love them, so I went with them. It wasn't my thing but the IMAX Screen and 3d made it kind of bearable.
by stemikger
Sun Jun 14, 2015 7:28 am
Forum: Investing - Theory, News & General
Topic: Why High Equity Allocation in Retirement
Replies: 78
Views: 9668

Re: Why High Equity Allocation in Retirement

I found it interesting that John Bogle also thinks the Target Retirement Funds are too conservative for people who get social security. He thinks you should count social security as part of your fixed income. If that is the case, I can literally stay 60/40 for life. If you read what Warren Buffett s...
by stemikger
Sat Jun 13, 2015 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Unsure of the process of paying off mortgage early (all at once)
Replies: 30
Views: 3426

Re: Unsure of the process of paying off mortgage early (all at once)

I think you are overthinking this. First, I would check with a CPA just for tax reasons, but it has nothing to do with the home payoff. I did this a couple of years ago. I called Chase and they sent me a letter with my payoff amount, I had to get a cashiers check and go to the bank. That was it. It ...
by stemikger
Sat Jun 13, 2015 12:48 am
Forum: Investing - Theory, News & General
Topic: Here we go again or is it different this time
Replies: 18
Views: 2809

Re: Here we go again or is it different this time

Thanks for the explanation. Boy, I think changing course is the last thing you should do, especially for this reason. It's true. I tell people this all the time, but when it comes to taking my own advice, well, I come here. I once heard Mr. Bogle even has to go back and read his books to help him S...
by stemikger
Sat Jun 13, 2015 12:00 am
Forum: Investing - Theory, News & General
Topic: Here we go again or is it different this time
Replies: 18
Views: 2809

Re: Here we go again or is it different this time

With John Bogle projecting 0% nominal returns on bonds for the next decade ... Do you have a source for this statement? As others pointed out, this is ridiculous. If you meant 0% "Real return" (after inflation), that might make sense. The series I Savings Bonds I'm buying currently will e...
by stemikger
Fri Jun 12, 2015 11:46 pm
Forum: Investing - Theory, News & General
Topic: Here we go again or is it different this time
Replies: 18
Views: 2809

Re: Here we go again or is it different this time

Stemikger, I am sure you recently experimented with a more aggressive allocation and then flipped back. Was that you? LOL. Luckily that was a last year or maybe longer, I lose track. I'm currently still at 60/40, but I am wondering if I should increase a bit. Thanks to everyone here, before I do an...
by stemikger
Fri Jun 12, 2015 9:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: "The long and short of finding bond balance."
Replies: 9
Views: 2234

Re: Vanguard: "The long and short of finding bond balance."

The sustained low-yield environment has been a challenge for bond investors. Many of them, fearful of the much anticipated—but as yet unrealized—rate hike by the Federal Reserve, have tried to protect their principal by moving money into short-term bond funds. Others have attempted to increase thei...
by stemikger
Fri Jun 12, 2015 9:21 pm
Forum: Investing - Theory, News & General
Topic: Here we go again or is it different this time
Replies: 18
Views: 2809

Here we go again or is it different this time

With John Bogle projecting 0% nominal returns on bonds for the next decade and Warren Buffett calling them dangerous investments and wouldn't advise anyone to own them. They are supposed to be for safety but they can lose money and even the best case scenario inflation will destroy your purchasing p...
by stemikger
Fri Jun 12, 2015 6:58 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7797

Re: Chromebooks- What is the lure?

I didn't read any of the other replies, but I'll just give you my reason. 99% of my computer use is just going online. Even though I had Norton on my computer, I had numerous issues with viruses and several times I had to do a system restore. I never knew anything about Chromebooks, but when I did a...
by stemikger
Fri Jun 12, 2015 6:45 pm
Forum: Investing - Theory, News & General
Topic: 9 Funds for a Rainy Day
Replies: 16
Views: 2523

Re: 9 Funds for a Rainy Day

Was just reading the Kiplinger article at the library this afternoon - So - how does the Vanguard Balanced index fund (VBINX) compare to say the Wellington (VWELX) and Wellesley (VWINX) funds ? Looks like it splits the middle between the Wellington stock-oriented and Wellesley bond-oriented funds. ...
by stemikger
Fri Jun 12, 2015 8:55 am
Forum: Investing - Theory, News & General
Topic: Great John Bogle Video
Replies: 5
Views: 1121

Re: Great John Bogle Video

I did point this video out a little while back, http://www.bogleheads.org/forum/viewtopic.php?f=10&t=164591 , but it's still great :D :sharebeer I love hearing Mr. Bogle speak, even if it is the same advice he's been giving for 25+ years, and once you're familiar with his model for "expect...
by stemikger
Fri Jun 12, 2015 8:53 am
Forum: Investing - Theory, News & General
Topic: Lower Returns
Replies: 19
Views: 1996

Re: Lower Returns

I am and have been saving more for the last ten years. Why? Let's see - my employer has decimated what once was a decent retirement program and slashed and burned the bottom half of the p&l statement in favor of rewarding senior management with more lavish compensation packages that you couldn'...
by stemikger
Fri Jun 12, 2015 2:31 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey
Replies: 53
Views: 9372

Re: Dave Ramsey

Exactly. I kinda like Clark Howard if I'm in the mood. He's humble, great financial advice and investing advice, and he makes no endorsements and does not sell anything to his listeners (though I think he does have a book or two). I really feel David Bach is the nice Dave Ramsey. Although Bach is w...
by stemikger
Thu Jun 11, 2015 11:50 pm
Forum: Investing - Theory, News & General
Topic: Lower Returns
Replies: 19
Views: 1996

Re: Lower Returns

Who are said experts? I haven't seen a Taylor Larimore post on this, so I'm not sure what the experts say. To answer your question I'd go 110% stocks if I felt really ambitious, but I think I'm not comfortable with that so I'll stick with 100% and hope for the best! John Bogle for one. There are ot...
by stemikger
Thu Jun 11, 2015 6:15 pm
Forum: Investing - Theory, News & General
Topic: Lower Returns
Replies: 19
Views: 1996

Lower Returns

I think it is fairly safe to say, returns will probably be lower going forward into the next decade. Most experts that I respect are in agreement when it comes to future returns. There are two things an investor can do. Increase your stock percentage and therefore, take on more risk in your portfoli...
by stemikger
Thu Jun 11, 2015 5:43 pm
Forum: Investing - Theory, News & General
Topic: Set It and Forget It Works!
Replies: 37
Views: 7641

Re: Set It and Forget It Works!

I didn't read the article yet Rick. but I have been doing this for years. David Bach in his book The Automatic Millionaire convinced me this was the way to go. I automated as much of my financial life as possible and most years made maxing out my 401K a priority above all else. I didn't even have to...
by stemikger
Thu Jun 11, 2015 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey
Replies: 53
Views: 9372

Re: Dave Ramsey

He's worth $55M, clearly he must have done something right :greedy Yes; he recommends that his listeners only use his ELP's (which is the local Edward Jones Rep in my town) for investing. His ELPs pay a kickback fee to him for the endorsement and more money for the referral. Dave will never recomme...
by stemikger
Thu Jun 11, 2015 5:26 pm
Forum: Investing - Theory, News & General
Topic: Great John Bogle Video
Replies: 5
Views: 1121

Re: Great John Bogle Video

This one should work.

https://www.youtube.com/watch?v=nWI64TKU64o

Sorry about that.
by stemikger
Thu Jun 11, 2015 5:26 pm
Forum: Investing - Theory, News & General
Topic: Great John Bogle Video
Replies: 5
Views: 1121

Re: Great John Bogle Video

John Bogle speaking at the Aspen Institute.

Enjoy!!


https://www.youtube.com/watch?v=nWI64TKU64o
by stemikger
Thu Jun 11, 2015 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey
Replies: 53
Views: 9372

Re: Dave Ramsey

I follow David Bach's approach from his bestselling book entitled The Automatic Millionaire. I was never someone who could write out a budget and stick to it or or even do the envelope system for spending cash. For me, it is much better to eliminate the budget and have all my major priorities autom...
by stemikger
Thu Jun 11, 2015 5:09 pm
Forum: Investing - Theory, News & General
Topic: Great John Bogle Video
Replies: 5
Views: 1121

Great John Bogle Video

John Bogle speaking at the Aspen Institute.

Enjoy!!

https://www.youtube.com/watch?v=nWI64TKU64o
by stemikger
Wed Jun 10, 2015 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey
Replies: 53
Views: 9372

Re: Dave Ramsey

JupiterJones wrote:
stemikger wrote:Dave treats everyone like a financial alcoholic.


That's probably the best, most succinct description of the Dave Ramsey show I've ever seen. Nice job!


Thanks JJ! :beer

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