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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 10:03 am
 
Forum: Investing - Theory, News & General
Topic: Christine Benz ,Bogle Interview
Replies: 4
Views: 736

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 1:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 49
Views: 3553

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 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 82
Views: 5206

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 12:32 pm
 
Forum: Investing - Theory, News & General
Topic: BlackRock Strategic Income Opportunities Fund
Replies: 14
Views: 1412

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 8:13 am
 
Forum: Investing - Theory, News & General
Topic: "Jack Bogle on Warren Buffett, Bill Gross and How to Invest"
Replies: 17
Views: 2903

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 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: BlackRock Strategic Income Opportunities Fund
Replies: 14
Views: 1412

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 11:23 am
 
Forum: Investing - Theory, News & General
Topic: BlackRock Strategic Income Opportunities Fund
Replies: 14
Views: 1412

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 11:14 am
 
Forum: Investing - Theory, News & General
Topic: BlackRock Strategic Income Opportunities Fund
Replies: 14
Views: 1412

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 3:10 am
 
Forum: Investing - Theory, News & General
Topic: BlackRock Strategic Income Opportunities Fund
Replies: 14
Views: 1412

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 1:40 am
 
Forum: Investing - Theory, News & General
Topic: BlackRock Strategic Income Opportunities Fund
Replies: 14
Views: 1412

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 7:01 pm
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3269

Re: "Vanguard 'Bogleheads' Crazy for 'Saint' Jack Bogle?"

What a great article Taylor. Thanks for sharing!
by stemikger
Wed Oct 22, 2014 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard 'Bogleheads' Crazy for 'Saint' Jack Bogle?"
Replies: 8
Views: 1797

Re: Is investing in real estate worth it?

I invest in real estate and have been doing so for 7 years. There have been deals on which I've made money and deals on which I've lost money. Overall it has been profitable for me and I think it can be a great way to invest. However, from your post, it does not sound like it is for you. "In p...
by stemikger
Wed Oct 22, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is investing in real estate worth it?
Replies: 28
Views: 2497

Re: Why include International Index in AA?

As others have said it adds diversification. I have been investing for 20 years and never added it and never missed it. The reason why I never added it because I read as much as I could on the subject and asked it many times over the years on these boards and although many here agree on it, the chap...
by stemikger
Tue Oct 21, 2014 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2767

Leon Cooperman giving the same advice as Warren

A few months ago I asked Vanguard the following question on Facebook. Warren Buffett is telling the average Jane and Joe to say out of bonds and keep enough in cash to stay secure and put the rest in a low cost index fund that buys America. His particular choice is the Vanguard Index 500. Today on C...
by stemikger
Mon Oct 20, 2014 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3269

Re: Is it possible to have a favorite movie

kazper wrote:
Drew31 wrote:No Shawshank votes yet?

I've always been fond of Scent of a Woman.


Alright, count me as shawshank. Either that or fight club.i know, opposite ends of the spectrum.


I agree Shawshank was awesome! Fight Club was great too. Another one of my favorites was The Game.
by stemikger
Sat Oct 18, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3189

Re: Is it possible to have a favorite movie

Any movie that was on that Critically Acclaimed Movie That You Did Not Like thread. LOL. Just pick one. :oops: :beer Oh, you were being sarcastic. LOL. For the record, It did give me a chuckle. :D Actually, I was not being sarcastic. Nearly all the movies on that list were movies I liked and in som...
by stemikger
Sat Oct 18, 2014 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3189

Re: What Book Are You Currently Reading? Part VI

Empty Mansions: The Mysterious Life of Huguette Clark and the Spending of a Great American Fortune [Bill Dedman, Paul Clark Newell Jr.]

I highly recommend this book. It is both tragic and fascinating.
by stemikger
Sat Oct 18, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 133
Views: 9484

Re: Is it possible to have a favorite movie

I am basically a reader, but my imagination is limited, and I therefore enjoy well-done movie adaptations that add an extra feeling of reality to the imagined world of the book. I therefore have a special fondness for filmmakers who seem to have experienced the book the same way I did, and managed ...
by stemikger
Sat Oct 18, 2014 10:25 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3189

Re: Is it possible to have a favorite movie

Is the question whether it's possible to have the all-time favorite film? Or to tell what the film is? Victoria Feel free to go in the other direction if you like. My answer to the question in the title of the thread, i.e., "Is it possible to have a favorite movie," is as follows: It is p...
by stemikger
Sat Oct 18, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3189

Re: Relatively new here. What did you do in 2008/09

I did it all wrong and changed my AA so many times, I lost track of what I did last. My emotions got the best of me as they often do (I'm Italian, it's in my blood) but the way I look at it is I learned a valuable lesson. I have flipped flop since then but thanks to this fourm I usually post my stui...
by stemikger
Sat Oct 18, 2014 1:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 7008

Re: Why not 100% Stocks?

As you get older, it would be pretty hard to stick with a 100% stock portfolio. As an average Joe who wants nothing more than to save for retirement and be able to have a decent life after I quit working, I don't need that level of stress at that age. I will not be extremely conservative because I t...
by stemikger
Sat Oct 18, 2014 1:13 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20861

Re: Is it possible to have a favorite movie

gkaplan wrote:Any movie that was on that Critically Acclaimed Movie That You Did Not Like thread.


LOL. Just pick one. :oops: :beer

Oh, you were being sarcastic. LOL. For the record, It did give me a chuckle. :D
by stemikger
Sat Oct 18, 2014 1:05 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3189

Re: Is it possible to have a favorite movie

Is the question whether it's possible to have the all-time favorite film? Or to tell what the film is? Victoria Sorry about this, your the second person to address why I didn't answer my own post. Feel free to go in the other direction if you like. However, I'm still finding it pretty interesting a...
by stemikger
Sat Oct 18, 2014 1:02 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3189

Re: Is it possible to have a favorite movie

I have many favorites but one that particularly comes to mind is "Big" - Tom Hanks and Elizabeth Perkins. http://www.imdb.com/title/tt0094737/ Maybe it was the age when I watched it that I liked it. Still my favorite. You definitely are on to something. I think if you watch that special m...
by stemikger
Sat Oct 18, 2014 12:59 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3189

Re: Is it possible to have a favorite movie

"Vision Quest". Most have never heard of it, most people I've watched it with (including my wife) think it is a terrible 80's movie, but I grew up wrestling and we watched it at least once a week for years and I share a ton of traits with the main character. LOL. I remember Vision Quest. ...
by stemikger
Sat Oct 18, 2014 12:54 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3189

Re: Are Vanguard's target-retirement funds too aggressive?

Silence Dogood wrote:I feel like we've beaten this topic to death already.


Maybe so, but to the OP it's new.
by stemikger
Fri Oct 17, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard's target-retirement funds too aggressive?
Replies: 24
Views: 1730

Re: Be careful if you get this email

Thanks for the heads up!
by stemikger
Fri Oct 17, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: Be careful if you get this email [scam, infected with virus]
Replies: 12
Views: 1958

Re: Electric Razors

I was never able to use an Electric Razor with success. My beard is very heavy and they never got me close enough. However, the best one I used when I gave them a try was the Panasonic Wet Dry. I now use the old fashioned double edge razors from the 50s or earlier and it is the closest shave with th...
by stemikger
Fri Oct 17, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: Electric Razors
Replies: 26
Views: 1873

Re: Is it possible to have a favorite movie

Toons wrote:Yes it is,I have seen countless movies over the decades and Das Boot still ranks as my favorite. :happy

http://www.netflix.com/search/das%20boot


Thanks for the link Toons.
by stemikger
Fri Oct 17, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3189

Re: Is it possible to have a favorite movie

MarkS wrote:The Best Years of Our Lives (1946)


I have never seen this classic but I was just talking to my Cousin and this movie came up. Definitely one I will be watching soon. Thanks for weighing in.
by stemikger
Fri Oct 17, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3189

Re: BOGLEHEAD CONTEST -- S&P at record high.

ofcmetz wrote:
The Wizard wrote:With recent stock market volatility, this "contest" is proving once again that "Nobody Knows Nuthin" when it comes to the markets.
Regardless, I hope I win...



Hey, I picked 1729 and we are headed that way. :D


Take it back. LOL.
by stemikger
Fri Oct 17, 2014 7:50 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 3909

Re: BOGLEHEAD CONTEST -- S&P at record high.

With recent stock market volatility, this "contest" is proving once again that "Nobody Knows Nuthin" when it comes to the markets. Regardless, I hope I win... Amen! The best investing advice Jack ever received. Mine has been to Stay the Course which for the most part I managed t...
by stemikger
Fri Oct 17, 2014 7:49 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 3909

Re: "The best response to market volatility"

Howard Donnelly wrote:Here's a relevant interview with Jack Bogle that was done today:

"Recent selloff ‘nothing,’ stay the course: Jack Bogle"
http://www.cnbc.com/id/102094959?trknav ... :topnews:5


+1 Thanks for the link.
by stemikger
Fri Oct 17, 2014 6:37 am
 
Forum: Investing - Theory, News & General
Topic: "The best response to market volatility"
Replies: 27
Views: 3350

Is it possible to have a favorite movie

I was discussing this with friends last weekend and I was really hard pressed to come up with one but after some thought I did. If I had to pick one it would be: An Officer and a Gentleman with Richard Gere and Debra Winger (1982). Would love to hear if anyone else has that one special movie they ca...
by stemikger
Fri Oct 17, 2014 2:26 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3189

Re: How did you get from $1M to $10M

When I hit $1 mil I will probably cut back on the job and enjoy time with my kid. I have no desire for $10mil. I assume most people agree to this. +1 Not sure it can be done just by index investing. At one million or a little more, I'll have something most people with that kind of money will never ...
by stemikger
Thu Oct 16, 2014 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you get from $1M to $10M
Replies: 46
Views: 4056

Re: Invested Windfall and Now Market Is Down

You don't monitor the changing value of your home from one month to the next, right? Why is that? It's because you can't sell your home with the click of a mouse. Well put! I always say if people knew their property value was down, would they freak out and suddenly put it on the market? How are inv...
by stemikger
Wed Oct 15, 2014 1:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Invested Windfall and Now Market Is Down
Replies: 34
Views: 4968

Re: Invested Windfall and Now Market Is Down

It may not feel good, because you feel like you bought high, but studies have shown that over time lump sum investing beats dollar-cost-averaging. Would it have been better to buy lower? Sure, but in the long run you will come out ahead. Let's look at what Charlie Munger says about losing account va...
by stemikger
Thu Oct 09, 2014 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invested Windfall and Now Market Is Down
Replies: 34
Views: 4968

Re: Headed for a 300+ point loss today?

Munger and Buffett believe that the passage of time is the friend of the investor or business person and impatience his or her enemy. When asked once about whether he was worried about a big drop in the value of Berkshire Munger said in a very direct way: “Zero. This is the third time Warren and I h...
by stemikger
Thu Oct 09, 2014 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30463

Re: Stock/Bond Allocation in VG Target 2050

I'm currently 27 and have recently rolled an ex-employer's 401k plan into a Vanguard Target Retirement 2050 fund. This fund currently only allocates 10% for bonds and 90% stocks. I'm relatively new to these forums and read the recommendation that you should have "roughly your age in bonds"...
by stemikger
Thu Oct 09, 2014 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Stock/Bond Allocation in VG Target 2050
Replies: 8
Views: 579

Re: A good day to be in heavy in Bonds --- 10-7-2014....

I moved all of our money to bonds last week. I just can't stay the course. Not sure if you are serious, but if you are this is a bad plan. Don't try to time the market pick an AA you are comfortable with and Stay the course. Buffett, Bogle and Munger don't even care or look at what the market is do...
by stemikger
Wed Oct 08, 2014 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: A good day to be in heavy in Bonds --- 10-7-2014....
Replies: 28
Views: 3392

Re: Critically Acclaimed Movies you did not like

MoonOrb wrote:I'd probably be more fascinated by people revealing which movies are commonly considered absolute garbage but are nevertheless beloved.

I'll go first: Billy Madison.


Not a bad idea, but you might have better luck starting a new thread. Either way, I'll go.

Family Man (with Nicholas Cage).
by stemikger
Wed Oct 08, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8207

Re: Things that you will not spend money on and most people

Cable TV and cell phone plans.

I haven't had a cable bill since 2008. The only thing I pay for is Netflix and Amazon Prime which comes up to $16 a month. I have my ROKU and it's better than cable.

I do have a cell phone but only pay $20 every 60 days. It's a prepaid phone and that is all I need.
by stemikger
Wed Oct 08, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Things that you will not spend money on and most people do?
Replies: 78
Views: 4022

Re: A good day to be in heavy in Bonds --- 10-7-2014....

It's not just about how much you can make, but how much you don't lose! :beer Don't care what it does today or tomorrow. I'm concerned where it will be 10 or 15 years from now. I'm an investor not a Trader and even a Boglehead knows you need the risk of equities to outpace inflation. Bonds are a di...
by stemikger
Wed Oct 08, 2014 4:02 am
 
Forum: Investing - Theory, News & General
Topic: A good day to be in heavy in Bonds --- 10-7-2014....
Replies: 28
Views: 3392

Re: Exercise Posts

Posted by Ray-James am 28 now and I was gifted a bull worker by my eldest uncle who is in late 50's now. It was gift, when I was in first of college. These things last quite long. Last I knew, it is still in my younger cousins house in good condition; after 25-30 years and 5th user. It was little b...
by stemikger
Wed Oct 08, 2014 3:45 am
 
Forum: Personal Consumer Issues
Topic: Exercise Posts
Replies: 22
Views: 2442

Re: Exercise Posts

I am 28 now and I was gifted a bull worker by my eldest uncle who is in late 50's now. It was gift, when I was in first of college. These things last quite long. Last I knew, it is still in my younger cousins house in good condition; after 25-30 years and 5th user. It was little boring to use all b...
by stemikger
Wed Oct 08, 2014 3:43 am
 
Forum: Personal Consumer Issues
Topic: Exercise Posts
Replies: 22
Views: 2442

Re: Critically Acclaimed Movies you did not like

I hated Groundhog's Day. Apparently it's considered an existential classic. Going down the list of the AFI Top 100 movies: Citizen Kane Raging Bull Lawrence of Arabia 2001: A Space Odyssey Chinatown (can't say I honestly saw the whole thing, I was so bored after 10 minutes I turned it off) The Malt...
by stemikger
Wed Oct 08, 2014 3:37 am
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8207

Re: Critically Acclaimed Movies you did not like

The Shawshank Redemption One Flew Over the Cuckoo's Nest No, you've got to be kidding?! +1 Can't be. Two of my favorites of all time! Was the thread title "Critically Acclaimed Movies I did not like" or "Critically Acclaimed Movies you did not like" ? I guess both. No reason why...
by stemikger
Tue Oct 07, 2014 11:12 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8207

Re: Exercise Posts

P.S. My brother-in-law almost lost his life 9 years ago and he was like you. In never did any exercise but always had the dream of doing the Iron Man Marathon. As of today he has done 5 Iron Men Marathons. It's never to late to improve your body. It's very kind that way. Ironman triathlon? Yes. Tha...
by stemikger
Tue Oct 07, 2014 2:19 am
 
Forum: Personal Consumer Issues
Topic: Exercise Posts
Replies: 22
Views: 2442
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