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Re: Mr. Money Mustache

John3754 wrote:The way you're presenting it in isolation, no, I do not agree, but lets see the video so we can take the comment in context please.



Sorry I can't tell you where he says it but here is the video.

It's just audio.

https://www.youtube.com/watch?v=uRuhh9R8cO0
by stemikger
Sun Mar 29, 2015 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache
Replies: 4
Views: 1086

Mr. Money Mustache

I don't know anything about this blogger, but I came across a YouTube webcast where he was talking about how he retired in his 30s. He said he invests in rental properties and stocks. He never mentioned bonds. I was also surprised by his claims that his conservative investments are in the Vanguard T...
by stemikger
Sun Mar 29, 2015 10:39 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache
Replies: 4
Views: 1086

Re: How many of you invest in individual stocks?

The only way I would own individual stocks is if I was able to do the work and have the confidence to act on my analysis. And if I did decide to go that route, my stock of choice would be Berkshire Hathaway B shares of course.
by stemikger
Sun Mar 29, 2015 10:33 am
 
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 40
Views: 1807

Re: Whats a good multi vitamin?

I take Nature's Way Alive Once Daily Men's 50+

Whether it does me any good is up for debate, but it makes me feel better because my diet is not that much different from Warren Buffett. I know I should eat better, and I do try, but I love what I love.
by stemikger
Sat Mar 28, 2015 10:53 am
 
Forum: Personal Consumer Issues
Topic: Whats a good multi vitamin?
Replies: 17
Views: 1156

Re: My deployed soldier is coming home!

Tell your son Thank You and your family as well!!!

The Bogleheads are a great group of people that will guide him and teach him!! Make sure he gets to talk to Taylor Larimore. A better teacher would be hard to find!!
by stemikger
Sat Mar 28, 2015 5:48 am
 
Forum: Investing - Help with Personal Investments
Topic: My deployed soldier is coming home!
Replies: 23
Views: 2316

Re: Vanguard target fund vs age in bonds

Also, don't forget, one of the things Jack doesn't talk about as much when in advises age-in-bonds is that you should count social security as part of that allocation. Not many agree with him on this advice. I'm kind of on the fence myself. He uses the example that if you get $1,500 a month in socia...
by stemikger
Fri Mar 27, 2015 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard target fund vs age in bonds
Replies: 12
Views: 1436

Re: Why Bonds With 20 Year Horizon?

For savings with a 20+ year horizon (i.e. I'm 35 and plan to retire at 65) why own any bonds? From the 1920s until today I haven't found a 20 year period where bonds beat stocks. Seems INCREDIBLY likely that stocks will beat bonds over any 20 year period in the next 50 years. This is assuming I can...
by stemikger
Thu Mar 26, 2015 9:46 pm
 
Forum: Investing - Theory, News & General
Topic: Why Bonds With 20 Year Horizon?
Replies: 72
Views: 5124

Re: John Bogle's Don't Peek Challenge

My dad had (back in the day before computers) Value Line and his broker called nearly every day. He kept daily tabs by looking in the back sections of the newspaper to track his stocks. Bit different today About 16 years ago I was trading individual stocks and didn't want to pay for Value Line so e...
by stemikger
Thu Mar 26, 2015 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 103
Views: 8686

Re: Should a BH investor never use futures/options?

When should a long term buy and hold investor use futures/options? "To invest successfully, you need not understand beta, efficient markets, modern portfolio theory, option pricing or emerging markets. You may, in fact, be better off knowing nothing of these. ~ Warren Buffett Practice the maje...
by stemikger
Thu Mar 26, 2015 6:33 am
 
Forum: Investing - Theory, News & General
Topic: Should a BH investor never use futures/options?
Replies: 51
Views: 2942

Re: A great shave at a great price

Kiss my Face shaving cream is superb. I have recently been buying dollar store American made double edge disposable blade packages (6 for a dollar), and find they match the performance of the expensive Gillette blades, if one works with a good quality shave cream. Make sure to read the manufacturer...
by stemikger
Tue Mar 24, 2015 9:46 pm
 
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 50
Views: 5703

Re: Stanley Kubrick's 2001 a space odyssey

At 50 years old I have never seen this classic. I finally got around to it. Grant it, I was distracted while watching toward the end but can anyone tell me what the ending meant? I understand it is symbolic and I have my own ideas, but would love to hear what it really means just to confirm if I'm ...
by stemikger
Mon Mar 23, 2015 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 66
Views: 6510

Re: The one area I disagree with Jack

You've stated that you don't agree with him but you didn't say why? Social security is a source of fixed income, is it not? Yes, but every book I read on investing, always advised asset allocation for your risk tolerance and age. Even though social security will be a monthly payment, it still will ...
by stemikger
Mon Mar 23, 2015 7:22 am
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7312

Re: John Bogle's Don't Peek Challenge

As most diligent savers and investors, I look at my investments way too often. Who would like to take the "Don't Peek Challenge with me.'' His extreme version is not to look at it until you are ready for retirement and be ready to have a cardiologist nearby because you may need one when you se...
by stemikger
Sun Mar 22, 2015 6:16 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 103
Views: 8686

Re: John Bogle's Don't Peek Challenge

John3754 wrote:
stemikger wrote:But hey if you don't want to do it, I could care less.


You could care less, or you couldn't care less?


O.K. I deleted the part of my post where I said this, not sure you felt the need to put it back in. If it is not helpful to others and it is just to prove me wrong, where are the benefits?
by stemikger
Sun Mar 22, 2015 6:08 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 103
Views: 8686

Re: John Bogle's Don't Peek Challenge

My dad had (back in the day before computers) Value Line and his broker called nearly every day. He kept daily tabs by looking in the back sections of the newspaper to track his stocks. Bit different today Thank God Mr. Bogle came along. I imagine it would be hard to practice simplicity like that.
by stemikger
Sun Mar 22, 2015 5:40 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 103
Views: 8686

Re: John Bogle's Don't Peek Challenge

I call BS. Bogle didn't make this challenge. OP is just making this up. Anyway, merely "peeking" does absolutely no harm whatsoever. The whole thing is completely ridiculous. You're wrong, OP got it from a recent video interview of Bogle that was posted to this forum. Bogle didn't challen...
by stemikger
Sun Mar 22, 2015 5:37 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 103
Views: 8686

Re: The one area I disagree with Jack

Stemiker, thank you for bringing up the very interesting topic and others for contributing. I have been trying to understand Mr. Bogle's comments on this for some time. This thread didn't get me to the top of the stairs but it did get me a few more steps further up. Your Welcome! I'm glad when any ...
by stemikger
Sun Mar 22, 2015 5:33 am
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7312

Re: The one area I disagree with Jack

Petrocelli wrote:Based on my more than a decade around here, these threads always indicate the end of a bull market.


Good point. I'm hoping for a little bit of that before retirement, I want a sale on equities.
by stemikger
Sun Mar 22, 2015 5:32 am
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7312

Re: John Bogle's Don't Peek Challenge

I call BS. Bogle didn't make this challenge. OP is just making this up. Anyway, merely "peeking" does absolutely no harm whatsoever. The whole thing is completely ridiculous. You're wrong, OP got it from a recent video interview of Bogle that was posted to this forum. Bogle didn't challen...
by stemikger
Sat Mar 21, 2015 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 103
Views: 8686

The one area I disagree with Jack

I follow John Bogle very closely. I don't just blindly follow, but I truly agree with everything he says, except one small piece of advice. I agree with not needing international, I agree with simplicity and I agree with not looking at your statements too often. However, the one area he might lose m...
by stemikger
Sat Mar 21, 2015 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7312

Re: A great shave at a great price

Every man, without exception, can get a better shave with a DE/safety razor than he can with a disposable. It's a matter of technique. Yes. This has been my experience. I posted before I saw this. The DE is the only razor I can use daily without getting irritation. However, I have an unfair advanta...
by stemikger
Sat Mar 21, 2015 6:42 am
 
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 50
Views: 5703

Re: A great shave at a great price

I recently tried my hand at shaving the old fashioned way with a safety razor, badger brush, and shave soap, however after giving numerous blades a try, I discovered that my neck is just too sensitive to get an acceptable shave with a double-edge blade. I absolutely did benefit from the brush and s...
by stemikger
Sat Mar 21, 2015 6:39 am
 
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 50
Views: 5703

Re: John Bogle's Don't Peek Challenge

I call BS. Bogle didn't make this challenge. OP is just making this up. Anyway, merely "peeking" does absolutely no harm whatsoever. The whole thing is completely ridiculous. I'll teach you how to use google. There are numerous articles about it. Also, just check out You Tube where he als...
by stemikger
Sat Mar 21, 2015 12:22 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 103
Views: 8686

Re: COBRA vs ACA

In 2009 when half of the firm I work for got laid off, I was sure I was going to be next. I looked into COBRA and for the plan I have now would have cost me $2,000 per month. In my world, that is not a real option. I may be mistaken but doesn't the ACA go by what your salary is and the you may also ...
by stemikger
Fri Mar 20, 2015 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: COBRA vs ACA
Replies: 35
Views: 2151

Re: John Bogle's Don't Peek Challenge

I call BS. Bogle didn't make this challenge. OP is just making this up. Anyway, merely "peeking" does absolutely no harm whatsoever. The whole thing is completely ridiculous. I'll teach you how to use google. There are numerous articles about it. Also, just check out You Tube where he als...
by stemikger
Fri Mar 20, 2015 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 103
Views: 8686

Re: Anyone concerned about their bond holdings?

seems like an interest hike may be on the near horizon. some are saying June perhaps I was but after watching some videos from Vanguard, they convinced me to stay the course. As a 50 year old investor saving for retirement, what options does one have. I always liked the expression, a bad day in bon...
by stemikger
Fri Mar 20, 2015 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5650

Re: An inspiring message for Bogleheads

Thanks for posting this Taylor. Peter is indeed a remarkable young man. There is hope for the future. Way to go Peter!! Keep us updated!!
by stemikger
Fri Mar 20, 2015 12:14 am
 
Forum: Investing - Theory, News & General
Topic: An inspiring message for Bogleheads
Replies: 56
Views: 4194

Re: Lowest income at which able to Max 401k and IRA

It doesn't have to be all or nothing. In other words, you can save a lot of money without maxing out the 401K and all the other spaces. I don't like to give my salary, but I make a lot less than you and I paid off my home, paid for my daughter's undergraduate education and max out the 401K. I do not...
by stemikger
Thu Mar 19, 2015 10:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lowest income at which able to Max 401k and IRA
Replies: 31
Views: 2620

Re: Any Vanguard Balanced Index Fund Diehards

TimDex wrote:Why not the tax managed balanced fund, with 50 percent index and 50 percent muni bond fund?

Tim


I don't have taxable investments. I only invest in my 401K. I chose to pay off my house and of course I have a six month emergency fund in the bank.
by stemikger
Wed Mar 18, 2015 4:27 pm
 
Forum: Investing - Theory, News & General
Topic: Any Vanguard Balanced Index Fund Diehards
Replies: 24
Views: 2967

Re: Any Vanguard Balanced Index Fund Diehards

1) Most of us invest in taxable accounts and this fund is not great for taxable as it is not tax efficient and it eliminates the ability to tax loss harvest the underlying components. 2) You are like a broken record . We get it, you like the balanced index fund. +1 LOL! :D O.K. enjoy having a laugh...
by stemikger
Wed Mar 18, 2015 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: Any Vanguard Balanced Index Fund Diehards
Replies: 24
Views: 2967

Re: Any Vanguard Balanced Index Fund Diehards

1) Most of us invest in taxable accounts and this fund is not great for taxable as it is not tax efficient and it eliminates the ability to tax loss harvest the underlying components. 2) You are like a broken record . We get it, you like the balanced index fund. +1 LOL! :D O.K. enjoy having a laugh...
by stemikger
Wed Mar 18, 2015 9:27 am
 
Forum: Investing - Theory, News & General
Topic: Any Vanguard Balanced Index Fund Diehards
Replies: 24
Views: 2967

Re: Any Vanguard Balanced Index Fund Diehards

P.S., as many here probably know, I am not a fan of international investing, so this fund is all I really need. Stemikger, If you are referencing yourself I think the BEST thing that could happen is you forgetting all your passwords to your accounts. I think the fund you are discussing is a fine fu...
by stemikger
Tue Mar 17, 2015 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: Any Vanguard Balanced Index Fund Diehards
Replies: 24
Views: 2967

Re: Any Vanguard Balanced Index Fund Diehards

I hold Balanced Index (based on Mr. bogle's views), as does my wife, and my daughter. But it's only an anchor in the portfolio. I assume their regular rebalancing means I don't have to tinker as much with my other funds to maintain my AA. Thanks for weighing in Dewey. I plan to go all in when the t...
by stemikger
Tue Mar 17, 2015 6:33 pm
 
Forum: Investing - Theory, News & General
Topic: Any Vanguard Balanced Index Fund Diehards
Replies: 24
Views: 2967

Re: Any Vanguard Balanced Index Fund Diehards

Yo, Bal Index holder here since about 1999. In 2002 switched it from IRA to taxable. Now the cap gains are way too much to realize so I am in it for life. It is my largest fund. I still reinvest distributions even though I am retired. I like that Vanguard cannot tinker with it since it is not a fun...
by stemikger
Tue Mar 17, 2015 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: Any Vanguard Balanced Index Fund Diehards
Replies: 24
Views: 2967

Re: Any Vanguard Balanced Index Fund Diehards

1) Most of us invest in taxable accounts and this fund is not great for taxable as it is not tax efficient and it eliminates the ability to tax loss harvest the underlying components. 2) You are like a broken record. We get it, you like the balanced index fund. I guess my wife is right. I do have O...
by stemikger
Tue Mar 17, 2015 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: Any Vanguard Balanced Index Fund Diehards
Replies: 24
Views: 2967

Re: Any Vanguard Balanced Index Fund Diehards

Toons wrote:Remember this thread ? :happy
viewtopic.php?f=1&t=139126


I'm so predictable and forgetful. :oops:
by stemikger
Tue Mar 17, 2015 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Any Vanguard Balanced Index Fund Diehards
Replies: 24
Views: 2967

Any Vanguard Balanced Index Fund Diehards

With Vanguard promoting their All in one funds for retirement and their Life Strategy Funds for other saving goals, does it sometimes seem that Vanguard treats the Balanced Index as their red headed step child. How many use this as a one fund solution and how many stayed with it for many years. And ...
by stemikger
Tue Mar 17, 2015 9:56 am
 
Forum: Investing - Theory, News & General
Topic: Any Vanguard Balanced Index Fund Diehards
Replies: 24
Views: 2967

Re: Shiller - How Scary Is the Bond Market?

I posted my concerns on Vanguard's Facebook page about bonds and they said they still feel very strongly that bonds have a place in everyone's portfolio and should be used as a diversifier. They said a bad day in the bond market is nothing compared to a bad day in the stock market. They suggest I us...
by stemikger
Tue Mar 17, 2015 9:51 am
 
Forum: Investing - Theory, News & General
Topic: Shiller - How Scary Is the Bond Market?
Replies: 29
Views: 4401

Re: John Bogle's Don't Peek Challenge

Great replies and I do understand that fraudulent activity is a serious issue and may warrant peeking. Jack has often said most investors can do very well with one fund. His choice is the Vanguard Balanced Index Fund. If that is the case, other than worrying about your account being hacked, you real...
by stemikger
Tue Mar 17, 2015 12:52 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 103
Views: 8686

Re: John Bogle's Don't Peek Challenge

O.K. folks, the you got me with the fraudulent activity angle. It looks like I'm going to have to peek at least once a year. That's still a lot better then every day which is what I have been doing.
by stemikger
Mon Mar 16, 2015 10:28 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 103
Views: 8686

Re: John Bogle's Don't Peek Challenge

I realize everyone has different situations where this would be impossible, but I do not. In fact, my goal is to try and retire in ten years. I don't plan on changing my AA until a year or two before that time. I find looking at my investments too often is not good for me. I am going to try it. Not ...
by stemikger
Mon Mar 16, 2015 10:06 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 103
Views: 8686

John Bogle's Don't Peek Challenge

As most diligent savers and investors, I look at my investments way too often. Who would like to take the "Don't Peek Challenge with me.'' His extreme version is not to look at it until you are ready for retirement and be ready to have a cardiologist nearby because you may need one when you see...
by stemikger
Mon Mar 16, 2015 9:42 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 103
Views: 8686

Re: How much international is too much?

I did not read the other replies yet, but according to John Bogle international is not necessary so if you feel the need to do it, no more than 20%. He has never held it and for the last 20 years neither have I. Warren Buffett also agrees on this. I think I'm in good company. In other words, don't ...
by stemikger
Mon Mar 16, 2015 8:42 am
 
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 9127

Re: Can you quantify how Bogleheads has helped you?

The Bogleheads have helped me numerous times stay the course.

Every time I was going change my asset allocation drastically, I posted here first and I was always talked down from the ledge. That in itself is worth the price of my annual subscription.
by stemikger
Sun Mar 15, 2015 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you quantify how Bogleheads has helped you?
Replies: 23
Views: 2031

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

abuss368 wrote:What would be interesting is if any Bogleheads (or someone they know) have a portfolio in excess of $1,000,000 with only a Target or LifeStrategy fund.


+1

I plan to do it with the Vanguard Balanced Index Fund.
by stemikger
Sun Mar 15, 2015 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does a $1M portfolio look like?
Replies: 64
Views: 9939

Sunday Morning - John Bogle Fix

This man, is such an inspiration and such a great way to start the day. For those who need a boost, Jack never disappoints.

https://www.youtube.com/watch?v=PBTSslX ... ztsFvzSK1g
by stemikger
Sun Mar 15, 2015 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Sunday Morning - John Bogle Fix
Replies: 3
Views: 1140

Re: How much international is too much?

I did not read the other replies yet, but according to John Bogle international is not necessary so if you feel the need to do it, no more than 20%. He has never held it and for the last 20 years neither have I. Warren Buffett also agrees on this. I think I'm in good company. In other words, don't ...
by stemikger
Sun Mar 15, 2015 7:36 am
 
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 9127

Re: How much international is too much?

I did not read the other replies yet, but according to John Bogle international is not necessary so if you feel the need to do it, no more than 20%. He has never held it and for the last 20 years neither have I. Warren Buffett also agrees on this. I think I'm in good company. In other words, don't ...
by stemikger
Sat Mar 14, 2015 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 9127

Re: Any other investors with 70/30 portfolio?

I'm 68, retired for 17 years, and still am between 70/30 and 75/25. I hold bonds only for stability because I don't expect any positive real return from bonds over the next decade or more. Stocks also in my opinion will have muted returns going forward, somewhere around 4% real for a US/INTL equity...
by stemikger
Sat Mar 14, 2015 4:15 pm
 
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 60
Views: 6829

Re: Buffett and Bogle almost on the same page

Great replies everyone. For the record, I am staying the course with my 65/35 stock bond allocation. Simplicity is very important to me because I believe it captures the true essence of what Jack taught all those years ago. I truly believe an all index two or one fund portfolio (all U.S.) can get yo...
by stemikger
Sat Mar 14, 2015 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett and Bogle almost on the same page
Replies: 19
Views: 2059
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