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Re: What percent "Boglehead" are you?

Posted by EmergDoc I refute the premise. You can tilt or use something besides the magical, mystical 3 fund portfolio without having to be considered a heretic. I own real estate, a privately held business, lots of tilts to various factors, and a DFA fund but I consider myself 100% Boglehead. Serio...
by stemikger
Sun Nov 23, 2014 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 79
Views: 3384

Re: What percent "Boglehead" are you?

My definition of a Boglhead is probably different than most here. I believe a Boglehead invests the way Jack Bogle invests. Jack does not say no to international but does he recommend it? The answer is no. Jack does not think slice and dicing will really add value in the long term. Does he recommend...
by stemikger
Sat Nov 22, 2014 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 79
Views: 3384

Re: Will stocks beat bonds over next 30 years?

joe8d wrote:
Tycoon wrote:Yes, stocks will beat bonds over the next 30 years.


Agree.


Warren Buffett and Jack Bogle also agree which is good enough for me.
by stemikger
Sat Nov 22, 2014 12:55 am
 
Forum: Investing - Theory, News & General
Topic: Will stocks beat bonds over next 30 years?
Replies: 52
Views: 3877

Re: New Tony Robbins Book on Financial Freedom

I'm reading Tony's book now and I have a feeling my review is going to be MEH! So far, I'm trying to figure out who this book was written for. An experienced Boglhead might scratch his head and say, hasn't this stuff been covered and is common knowledge? Maybe it was written for new investors. If th...
by stemikger
Fri Nov 21, 2014 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 58
Views: 10471

Re: Suggested retirement reading for 60 year olds

I'm considering The Bogleheads' Guide to Retirement Planning. All of the books I have read deal more with long term planning, they need something much more immediate. This would be my recommendation also. Like you also realized most books are for long term planning and younger people who have 20 ye...
by stemikger
Thu Nov 20, 2014 10:32 am
 
Forum: Investing - Theory, News & General
Topic: Suggested retirement reading for 60 year olds
Replies: 25
Views: 2587

Re: What to prepare for first baby due next month?

First let me say congratulations! I did not read the other replies yet so forgive me if this was already mentioned. I think you are taking the wrong approach and planning it out too much. Thinking back, my wife and I were dirt poor, did not have a clue and just started new jobs. I wouldn't change a ...
by stemikger
Thu Nov 20, 2014 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 2706

Re: Amazon Echo (Alexa)

Not on the waiting list, and don't know much about it. But I am a sucker for new gadgets. Question for those who do know more - What does it give you that Google Now or Siri don't? Yes, it's like your smartphone. Except: - It doesn't fit in your pocket - You can't make calls with it - You can't tex...
by stemikger
Tue Nov 18, 2014 1:09 am
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 35
Views: 3784

Re: New Tony Robbins Book on Financial Freedom

Meb Faber seems to have a review copy and has posted the All Seasons allocation: Long Gov Bond 40.00% Intermediate Gov Bond 15.00% Diversified Commodity 7.50% Gold 7.50% US Large Cap 12.50% US Mid Cap 5.50% US Small Cap 3.00% International Stock 6.00% Emerging Market Stock 3.00% - See more at: http...
by stemikger
Mon Nov 17, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 58
Views: 10471

Re: Harry's razors

sans souliers wrote:Oh, for cryin' out loud - this is about shaving -- something upon which I spend maybe two minutes/day.

Gillette Sensor, blade gets changed on the first of every month. Done.


I take it you don't suffer from a heavy beard and sensitive skin.
by stemikger
Sun Nov 16, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 4908

Re: New Tony Robbins Book on Financial Freedom

There is one thing Tony Robbins is certainly very,very good at.....making money.Like him or not he is also one of the best motivational speakers/life coaches.I bought some of his tapes about 25 years ago.I still remember how he spoke about the need for certainty and uncertainty in our lives,which g...
by stemikger
Sun Nov 16, 2014 10:08 am
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 58
Views: 10471

Re: New Tony Robbins Book on Financial Freedom

He was on a few of the morning shows yesterday and on Kelly and Michael, he was describing how he is going to give the secret to invest without paying high fees. I was thinking to myself. Why do I need Tony repeating what Jack Bogle has been saying for years. However, after that I did see him on CNB...
by stemikger
Sat Nov 15, 2014 7:33 am
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 58
Views: 10471

Re: Amazon Echo (Alexa)

I don't trust Amazon's business model to look out for my benefit. This thing is most likely gather more data on me and my family if I use it. All our smart phone already have voice command, why waste money? I understand the fact that you already have this on your smartphone which is a valid point. ...
by stemikger
Fri Nov 14, 2014 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 35
Views: 3784

Re: Harry's razors

Don't know who Harry is but, I am also in the DE camp. I have been using this one below for years: http://www.amazon.com/Merkur-Heavy-Double-Razor-Included/dp/B000QYEK88/ref=sr_1_1?ie=UTF8&qid=1415999017&sr=8-1&keywords=merkur+heavy+duty+double+edge+razor+34c And these are the razors I ...
by stemikger
Fri Nov 14, 2014 5:37 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 4908

Re: Harry's razors

I've been a mach 3 razor consumer since inception. I know they are pricey but I get ~ 3 weeks use so ok with that. The Harrys are less but I am wondering who has tried them and has a comment either way. Thanks Sam Used to use a Mach. Now wet shave with DE razor and shave soap. $.10 a razor that wil...
by stemikger
Fri Nov 14, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 4908

Re: Father of eight hasn’t saved a penny for college

This looks interesting. I haven't read it yet, but will later. I'm a Father of one and feel it is my responsibility to pay for my daughter's college. She is getting good grades and is two terms away from getting her BA and plans to apply to obtain her Masters. When most people I knew were sending th...
by stemikger
Fri Nov 14, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: Father of eight hasn’t saved a penny for college
Replies: 47
Views: 2660

Re: Amazon Echo (Alexa)

I'm on the waiting list. I hope that this thing really works because my almost-blind mom would really love it. She can no longer use a computer and really misses it. What an awesome use that would be. It can definitely give her a little more independence. Would love to hear how she does when it com...
by stemikger
Fri Nov 14, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 35
Views: 3784

Re: Real estate as my "million dollar idea"

It sounds like you might be the right candidate to be a real estate mogul. Before I do anything, I would see if you could work with your father-in-law for free. Maybe do this part time. Let him mentor you. After a year or two, if you feel the same way, go for it. It sounds like you have a pretty goo...
by stemikger
Fri Nov 14, 2014 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Real estate as my "million dollar idea"
Replies: 78
Views: 6341

Re: Dollar Cost Averaging For The Long Term

Is there anyone out there who bought the S&P 500 index fund in the 1970`s and kept adding to it regularly regardless of price and news events? How have you done in returns and how was it emotionally going through 1987, 2000- 2003 and 2008 till now? Good post. I am looking forward to the replies.
by stemikger
Thu Nov 13, 2014 11:09 am
 
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging For The Long Term
Replies: 6
Views: 858

Re: Amazon Echo (Alexa)

This has to be one of the biggest scams I have ever seen. This is just another way for Amazon to sell you stuff that you don't need. What makes this any different than Siri, Cortana, or any other systems on your phone that you already don't use? And if you use the one on your phone, why do you need...
by stemikger
Wed Nov 12, 2014 5:47 am
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 35
Views: 3784

Re: International Stock Diversification — A New Look

stemikger For a strategy to be a good one it should work wherever you live. You might ask yourself how you would feel about not investing internationally if you lived in Japan for last 25 years and took the advice is all you need is a domestic balanced fund. As Taleb said, only lucky fools don't kn...
by stemikger
Tue Nov 11, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 51
Views: 5282

Re: Amazon Echo (Alexa)

Chan_va wrote:Not on the waiting list, and don't know much about it. But I am a sucker for new gadgets. Question for those who do know more - What does it give you that Google Now or Siri don't?


Check out the link I just posted above your reply.
by stemikger
Tue Nov 11, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 35
Views: 3784

Re: Amazon Echo (Alexa)

I'm also on the waiting list. They haven't gone on sale yet. As a long standing Prime member, I know they did the invitation thing as a gimmick, but when I received the message saying Thank you for your request. If selected, you will receive an e-mail with an invitation to purchase in the coming wee...
by stemikger
Tue Nov 11, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 35
Views: 3784

Re: Jack bogle's common sense on mutual funds

Stemikger, Thanks for reminding me of the three chapters in those two books. I pulled both off my library shelf above my computer and read all three chapters again . I am in my late 70s with a 50/50 ratio and am contemplating the further simplification of my already simplified Vanguard portfolio. T...
by stemikger
Tue Nov 11, 2014 8:55 am
 
Forum: Investing - Theory, News & General
Topic: Jack bogle's common sense on mutual funds
Replies: 15
Views: 2715

Re: International Stock Diversification — A New Look

I have been investing for 20 years now and other than for a short period of thinking I needed to, I do not invest directly in an international fund and so far, I don't feel like I'm missing out. Jack has said numerous times one can do very well holding the Vanguard Balanced Index Fund and that is al...
by stemikger
Mon Nov 10, 2014 7:12 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 51
Views: 5282

Re: Jack Bogle's interview on CNBC - 11-10-2014

Thanks for posting. So glad to see him looking so healthy.
by stemikger
Mon Nov 10, 2014 7:10 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle's interview on CNBC - 11-10-2014
Replies: 4
Views: 1101

Re: “Buffett” Has Two Tees [poem]

The prose on this forum is quite good, it’s clear, surpassed only by its content without peer. In this spirit, then, a polite challenge please: When we use Warren’s name, can we give it two tees? Forgive me for correcting you, but I never spelled Elizabeth with two tees? Oh, you mean that amature f...
by stemikger
Mon Nov 10, 2014 11:13 am
 
Forum: Forum Issues and Administration
Topic: “Buffett” Has Two Tees [poem]
Replies: 13
Views: 1422

Re: Made a huge mistake, need help

Rolled over husband's 401k to Wells Fargo IRA which is eating us up with fees. We were very inexperienced and naive about this whole process. The husband's 401k was all stocks and the stock dropped and we panicked. Of course, after we switched the stock went up gangbusters. What now could I do to m...
by stemikger
Mon Nov 10, 2014 7:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Made a huge mistake, need help
Replies: 50
Views: 9413

Re: Jack bogle's common sense on mutual funds

Do as you wish,but agree these books are not meant to be read through at high speeds. The idea is to read a little and absorb it for awhile then go back and read some more. Just reading through books like this do not make one a better investor. Reading them, absorbing, thinking, and applying it mak...
by stemikger
Sun Nov 09, 2014 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: Jack bogle's common sense on mutual funds
Replies: 15
Views: 2715

Re: What is your age and AA?

I'm 50 and my wife is 54. Everything is in these two funds. I don't put anything in international equities. 65/35 65% VANGUARD INSTL INDEX 35% ISHARES CORE TOTAL U.S. BD MKT (Blackrock bond Index Fund will soon be taking over for this fund). As John Bogle says the ultimate in simplicity is simply to...
by stemikger
Sun Nov 09, 2014 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your age and AA?
Replies: 219
Views: 56148

Re: Messy baby restaurant etiquette

When my daughter was that age, we really kept eating out to a minimum. I was a typical first time Father and between not sleeping that much and being new at this, I find new parents can be a bit on the sensitive side when it comes to their new bundle of joy. My daughter who is now 20 years old was a...
by stemikger
Sun Nov 09, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4469

Re: New Tony Robbins Book on Financial Freedom

In the Tim Ferris podcast, Tony seems to be selling the Ray Dalio All-Seasons portfolio as a "secret sauce" for the average investor. He then says that Stronghold Financial is going to implement the strategy. I also read somewhere that Tony Robbins and or his son-in-law may become part ow...
by stemikger
Sat Nov 08, 2014 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 58
Views: 10471

Re: ObamaCare vs. Private Insurance??

Posted by patriciamgr2 If ACA is repealed, the rights people with pre-existing conditions now have to be issued a policy presumably will also disappear. Before ACA, in my state, even the slightest medical issue would cause insurers to refuse to issue a policy. But, once a policy was issued, insurer...
by stemikger
Sat Nov 08, 2014 7:52 am
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 9282

Re: AA...any other crazy 80/20 folks out there?

80/20 is not crazy if it matches your risk tolerance and you know the rest.

Charles Ellis was 100% equities into his seventies.

I'm 50 and 65/35. That is where I am able to sleep at night and be totally oblivious to what the market is doing.

P.S. I'm also in the two funder camp!
by stemikger
Tue Nov 04, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 4757

Re: New Tony Robbins Book on Financial Freedom

I always looked at Tony Robbins as a con man. I just never bought the walking on fire thing and just thought it was mind over matter and he capitilized on it. To be fair, I never read any of his books. I based my decision solely on those informercials that seemd to be on 24/7 many years ago. However...
by stemikger
Tue Nov 04, 2014 3:13 am
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 58
Views: 10471

Re: Is $700,000 enough to retire? Opinions please .

DH age 64.3 wants to retire unexpectedly from good job ,early in 2 months. Just ready, wants to do new things,work on our low profit side business. I also work and am 59.3 y/o. I think we have inadequate retirement funds to fund our yearly spending of after tax of $65000 (around $80000 taxable). Es...
by stemikger
Mon Nov 03, 2014 7:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 86
Views: 12474

Re: My favorite Vanguard balanced fund

I am a big believer in simplicity, but I do not like the one fund solution. My reasons: - Vanguard & others tend to change the investment mix in these pools. Often times done to launch new funds (i.e. Intl Bond Fund), and if held in taxable, you could get stuck owning a % of something you don't...
by stemikger
Sun Nov 02, 2014 8:42 am
 
Forum: Investing - Theory, News & General
Topic: My favorite Vanguard balanced fund
Replies: 20
Views: 4168

Re: My favorite Vanguard balanced fund

As I recall, Mr. Bogle is rather fond of the Vanguard Balanced fund, but it should be noted that it is, on the equity side , strictly domestic. It does hold a small amount of foreign bonds. Lev I have been investing for 20 years and still haven't invested in international other than the instant div...
by stemikger
Sat Nov 01, 2014 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: My favorite Vanguard balanced fund
Replies: 20
Views: 4168

Re: My favorite Vanguard balanced fund

Very interesting, thanks for posting. I know Mr. Bogle also owns the Wellington Fund. I remember him saying it's a relationship he would have a hard time ending. So in that respect, I'm more of an indexer than Jack. LOL. I own no managed funds at all. I'm 100% indexed. However, he owns a nice amount...
by stemikger
Fri Oct 31, 2014 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: My favorite Vanguard balanced fund
Replies: 20
Views: 4168

Re: That stress-relieving thing you do at work

I'm going through a particularly stressful patch at work for the last few months. Seems as though the number of stressors getting to me are more than usual. My ability to cope with those stressors is less than my average. I think much of this is part of a natural ebb and flow of stress and stress m...
by stemikger
Fri Oct 31, 2014 6:40 am
 
Forum: Personal Finance (Not Investing)
Topic: That stress-relieving thing you do at work
Replies: 45
Views: 2869

Re: Christine Benz ,Bogle Interview

Thanks for posting! I always get inspired by Mr. Bogle and Christine Benz is not that bad on the eyes either. :beer
by stemikger
Wed Oct 29, 2014 9:03 am
 
Forum: Investing - Theory, News & General
Topic: Christine Benz ,Bogle Interview
Replies: 8
Views: 1898

Re: Most financially economical choice for a car

I have always bought a brand new compact car and kept it for 10 years. My last purchase was in 2009 and for the first time I bought a subcompact. I could care less about cars and as long as they get me to point A to point B I'm happy. I bought the most inexpensive car in America which at the time wa...
by stemikger
Wed Oct 29, 2014 12:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 4622

Re: Do you dream about retirement?

Yes! I have been dreaming about waking up and having the day to myself since I was your age. Now at 50 and my wife turns 55 in March, we talk about it more and more. I'm still 12 to 15 years away, but who knows maybe my savings will grow so I can exit stage left at 60 or 62. I don't need fancy vacat...
by stemikger
Mon Oct 27, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 91
Views: 6568

Re: BlackRock Strategic Income Opportunities Fund

After reading what you all think, that is enough to convince me to stay out of this one. The only reason why I looked into it is because they are replacing the bond fund I was in with the BlackRock US Debt Index Fund (Comingled Investment Trust), and this was added as a new fund, so I looked into i...
by stemikger
Mon Oct 27, 2014 11:32 am
 
Forum: Investing - Theory, News & General
Topic: BlackRock Strategic Income Opportunities Fund
Replies: 14
Views: 1495

Re: "Jack Bogle on Warren Buffett, Bill Gross and How to Inv

Hot off the press: "Warren Buffett has become Vanguard's best salesman, Bogle said. Buffett, of Berkshire Hathaway (BRK.A) , (BRK.B) recently announced that his wife will inherit money to be allocated 90% to the Vanguard 500 Index Fund (VFINX) (VFIAX) (VOO). After the announcement, searches on...
by stemikger
Mon Oct 27, 2014 7:13 am
 
Forum: Investing - Theory, News & General
Topic: "Jack Bogle on Warren Buffett, Bill Gross and How to Invest"
Replies: 17
Views: 3073

Re: BlackRock Strategic Income Opportunities Fund

After reading what you all think, that is enough to convince me to stay out of this one. The only reason why I looked into it is because they are replacing the bond fund I was in with the BlackRock US Debt Index Fund (Comingled Investment Trust), and this was added as a new fund, so I looked into it...
by stemikger
Sat Oct 25, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: BlackRock Strategic Income Opportunities Fund
Replies: 14
Views: 1495

Re: BlackRock Strategic Income Opportunities Fund

Hi Steve, It's a marketing video, IMO lots of smoke and mirrors. I would stick to a low-cost fund that attempts to track an index, as I believe you are doing. I think sometimes people are intrigued by something that is not fully disclosed. It's human nature to think that someone has a "secret ...
by stemikger
Sat Oct 25, 2014 10:23 am
 
Forum: Investing - Theory, News & General
Topic: BlackRock Strategic Income Opportunities Fund
Replies: 14
Views: 1495

Re: BlackRock Strategic Income Opportunities Fund

Thanks everyone, I appreciate all the advice. This fund is being added and The iShares Core Total US Bond Market (ETF) which I am currently in will be replaced with the BlackRock US Debt Index Fund (Comingled Investment Trust), which tracks the Barclays Aggregate Index. So it looks like I'm staying ...
by stemikger
Sat Oct 25, 2014 10:14 am
 
Forum: Investing - Theory, News & General
Topic: BlackRock Strategic Income Opportunities Fund
Replies: 14
Views: 1495

Re: BlackRock Strategic Income Opportunities Fund

It's generally intermediate-long term bonds, heavily concentrated in government bonds from country's that were until very recently considered very troubled (Italy, Spain, Portugal, etc.). Sounds pretty risky for fixed income. Expense ratio is well above 1%. Overall, I would only use this if I had l...
by stemikger
Sat Oct 25, 2014 2:10 am
 
Forum: Investing - Theory, News & General
Topic: BlackRock Strategic Income Opportunities Fund
Replies: 14
Views: 1495

BlackRock Strategic Income Opportunities Fund

My 401K just added a new fixed income option. It looks pretty interesting and I am in the process of doing some internet research. I was wondering what some of you know about it or think about this fund.

It is The BlackRock Strategic Income Opportunities Fund.

Thanks in advance,

Steve
by stemikger
Sat Oct 25, 2014 12:40 am
 
Forum: Investing - Theory, News & General
Topic: BlackRock Strategic Income Opportunities Fund
Replies: 14
Views: 1495

Re: Leon Cooperman giving the same advice as Warren

Tigermoose wrote:I buy a lot of the S&P 500 index because it is available in my 401ks. The TSM is not. I'm sure this is the case for a lot of investors.


This is also my issue. I don't think it really matters in the long run. They are pretty identical when it comes to long term returns.
by stemikger
Wed Oct 22, 2014 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3331
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