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Re: 401K Target Retirement Fund or Not

For what it's worth, I spent some time being all sophisticated and trying to build fancy portfolios. And now I've come full circle and put my money in balanced funds. Yes, you could marginally reduce your expense ratios, but will you really have the discipline to rebalance when appropriate, or stic...
by stemikger
Mon Jul 28, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Target Retirement Fund or Not
Replies: 19
Views: 1012

Re: years of investing and balances

I started at 30 and did everything wrong. I had no clue about why I was putting my money in a fund. At the time, the firm I worked for had ten funds and I just blindly put 10% in each fund. LOL. Now at 50 and have a better understanding of how to invest, I laugh at how naïve I was. As far as worryin...
by stemikger
Mon Jul 21, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: years of investing and balances
Replies: 23
Views: 1937

Re: Should I use margin to buy a balanced fund?

This is a quote from Warren Buffett. "If you're smart, you don't need leverage. If you're dumb, you have no business using it."
by stemikger
Thu Jul 17, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 181
Views: 9089

Re: Asset Allocation At or Near Retirement?

We are hopefully 1 to 2 years from retirement. Very conservative. Have been 35-37% equities throughout this amazing market. :( However, have also slept quite well every night :happy , which is ultimately our first priority and trumps higher return (potential). My question is actually, what is the m...
by stemikger
Thu Jul 10, 2014 2:46 am
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation At or Near Retirement?
Replies: 51
Views: 4572

Re: What one Vanguard fund for retirement?

Jack was asked this question during a very good interview by Motley Fool and without missing a beat he said the Vanguard Balanced Index Fund would be just fine. I agree! Interestingly enough, Warren Buffett feels you only need one fund which is the Vanguard 500 Index Fund. So it seems like Buffett i...
by stemikger
Thu Jul 10, 2014 12:57 am
 
Forum: Investing - Help with Personal Investments
Topic: What one Vanguard fund for retirement?
Replies: 12
Views: 2670

Re: >$1MM saved -- thank you BogleHeads!

Awesome!!! Way to Go! That is a great accomplishment! :beer
by stemikger
Mon Jun 16, 2014 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: >$1MM saved -- thank you BogleHeads!
Replies: 21
Views: 3408

Re: Why don't we like Dave Ramesy's investment advice

It is definitely challenging times when it comes to all the noise about not owning bonds. Dave Ramsey always told his audience that he doesn't own bonds, his money is all in managed equity funds and he encourages you to go to his ELPs to help set this up. This sounds expensive. It was always easy to...
by stemikger
Mon Jun 16, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Why don't we like Dave Ramesy's investment advice
Replies: 50
Views: 5016

Re: What Do You Eat For Snacks?

Unhealthy snacking should one's dirty little secret, on par with listening to Jim Cramer. Victoria Victoria, as far as I'm concerned it's all a crapshoot. I know people who were heatlh food fanatics and died young from cancer and I know others who did everything wrong and lived a long life. It seem...
by stemikger
Sat Jun 14, 2014 7:53 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6268

Re: What Do You Eat For Snacks?

fareastwarriors wrote:You guys are so healthy.

I eat chips, candy, chocolate, crackers. Anything in sight lol.


LOL. I was thinking the same thing. My snack/meal of choice is Pepporoni Pizza! I'm also a chip, pretzel and candy guy!
by stemikger
Sat Jun 14, 2014 7:09 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6268

Re: Any Bogleheads here into real estate investing?(renting

When we were at a point where we could afford to consider real estate, I talked about it with my wife. She wisely pointed out that I know nothing about the business, am not handy, have no understanding of the real estate market, didn't make a smart decision when we bought our first home (due to me ...
by stemikger
Sat Jun 14, 2014 1:33 am
 
Forum: Investing - Theory, News & General
Topic: Any Bogleheads here into real estate investing?(renting out)
Replies: 69
Views: 6224

Re: What Book Are You Currently Reading? Part V

The Boglehead's Guide to Retirement. It's not as sexy as The Boglehead's Guide to Investing, but at 50 it's time to start getting informed on the planning side.

I'm also reading Clash of the Cultures by Jack Bogle.
by stemikger
Sat Jun 14, 2014 1:00 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3113
Views: 1010044

Re: Why is Tilting and Slice&Dice so popular in this forum?

I guess they don't agree with Jack when he says fall back on the majesty of simplicity and for some reason think they need to make this wonderful invention of indexing the total stock and total bond market hard. Why do you think that a slice and dice portfolio is "hard"? Not hard to imple...
by stemikger
Fri Jun 13, 2014 4:23 am
 
Forum: Investing - Theory, News & General
Topic: Why is Tilting and Slice&Dice so popular in this forum?
Replies: 110
Views: 6174

Re: Any Bogleheads here into real estate investing?(renting

Hi Bogleheads, So, over my years of being a Boglehead my net worth has climbed quite a bit. I now have a 6 figure sum in stocks, similar to a lazy 3 fund portfolio. Total US, total intl, and bnd. I have a buddy I recently spoke with. Not so much a buddy as a random person I met (no reason to be dis...
by stemikger
Fri Jun 13, 2014 4:12 am
 
Forum: Investing - Theory, News & General
Topic: Any Bogleheads here into real estate investing?(renting out)
Replies: 69
Views: 6224

Re: Apple looks interesting right now

placeholder wrote:I'm not sure what the point of deleting the OP is when it's been quoted in subsequent messages so just stand by your words.


Well, I'm not under oath and I am and was having a bad day so I didn't feel like reading snarky comments. That seemed to be the direction it was going.
by stemikger
Thu Jun 12, 2014 1:28 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2399

Re: Why is Tilting and Slice&Dice so popular in this forum?

One would think that the mathematical proof in favor of low-cost passive market-weighted index funds would convince most Bogleheads, as they seem very bright, rational people. Yet, not a day goes by on this forum without new threads about tilting portfolios towards something: small, value, reits, m...
by stemikger
Thu Jun 12, 2014 1:06 am
 
Forum: Investing - Theory, News & General
Topic: Why is Tilting and Slice&Dice so popular in this forum?
Replies: 110
Views: 6174

Re: As Bogelheads, a comforting thought for everyone....

Great post. I think many people (especially bogleheads) are so conditioned to save that when the time comes it may be hard to switch gears. I fear I might be one of those people. However, posts like this help bring some reality to us penny pinchers and enjoy what we worked so hard to obtain while we...
by stemikger
Wed Jun 11, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: As Bogleheads, a comforting thought for everyone....
Replies: 46
Views: 4803

Re: Apple looks interesting right now

I never bought a single stock in my life, but I have to say Apple looks interesting right now. Does anyone else feel this way with the recent split. This post is so ridiculous for this forum, especially for someone with over 2000 posts, that I wonder if you are just intentionally wasting everyone's...
by stemikger
Wed Jun 11, 2014 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2399

Re: Apple looks interesting right now

DELETED
by stemikger
Tue Jun 10, 2014 11:18 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2399

Re: Apple looks interesting right now

DELETED
by stemikger
Tue Jun 10, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2399

Re: Apple looks interesting right now

DELETED
by stemikger
Tue Jun 10, 2014 10:36 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2399

Apple looks interesting right now

DELETED
by stemikger
Tue Jun 10, 2014 9:47 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2399

Re: What are you doing with the market at an all time high?

What are Bogleheads doing with the market at an all time high? Continuing to invest? Taking money off the table and counting your blessings? Not taking any action at all and just sitting tight? A wise friend once said: "Gambling is when you stand to loose more than you have to gain Risk is whe...
by stemikger
Mon Jun 09, 2014 11:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you doing with the market at an all time high?
Replies: 95
Views: 6511

Re: Article: 60/40 produces "same" return with ~half the ri

More on this topic from a classic article by Peter Bernstein: http://web.archive.org/web/20061214061904/http://dfmadvisors.com/pdf/Bernstein6040.pdf This article is one of my favorites and seems to disappear from the web when I go looking for it. There is another copy, but the one showing Peter Ber...
by stemikger
Mon Jun 09, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Article: 60/40 produces "same" return with ~half the risk
Replies: 46
Views: 5487

Re: Article: 60/40 produces "same" return with ~half the ri

The other thing that kills investors with 100% stocks is not being able to handle the turbulence particularly as balances increase. This is a great point. With an portfolio approaching 500,000 or a million, it will take a special person to see that lose half it's value and although the new investor...
by stemikger
Sun Jun 08, 2014 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: Article: 60/40 produces "same" return with ~half the risk
Replies: 46
Views: 5487

Re: Article: 60/40 produces "same" return with ~half the ri

I read this article yesterday. It's hilarious! Here is why the idea that 8.7% and 10% annualized returns are the "same" is silly. Suppose Alice saves $10,000 a year from age 22 to age 62. We'll assume 2% inflation and the returns quoted in the article. Then, the 60/40 portfolio will give ...
by stemikger
Sun Jun 08, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: Article: 60/40 produces "same" return with ~half the risk
Replies: 46
Views: 5487

Re: Keeping up with the neighbors and Balance

I have several wealthy friends. I don't know any of them that are competing with each other. If you all own BMWs or mercedes or audis, it is quite normal conversation to discuss the pros and cons of them. The same goes for nice trips and fancy restaurants. It seems like some consider this "com...
by stemikger
Sun Jun 08, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Keeping up with the neighbors and Balance
Replies: 95
Views: 9782

Re: Keeping up with the neighbors and Balance

So, your neighbor is in hock up to his "eyeballs" so that he could buy more "stuff." Sounds to me as though you have your priorities right----don't second guess yourself. I'll say this I am in debt up to my yes balls and I'd trade for your situation any day . Btw I am working on...
by stemikger
Sun Jun 08, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Keeping up with the neighbors and Balance
Replies: 95
Views: 9782

Re: Why US over International?

I strongly recommend reading John Bogle's book Common Sense on Mutual Funds. He devotes an entire chapter to this subject and so far it is the best explanation I have come across. FYI, many here do not agree with Jack on this subject but the chapter does make a good argument for not needing to worry...
by stemikger
Sun Jun 08, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Why US over International?
Replies: 15
Views: 1628

Re: Article: 60/40 produces "same" return with ~half the ri

That's a great article and a good time to remind everyone that stocks don't go up forever and if you are 100% in stocks like I was recently, now might be a good time to get back into a balanced portfolio. I'm 50 years old and am at 65/35 and I'm sleeping like a baby. When I was 100% stocks (during m...
by stemikger
Sun Jun 08, 2014 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: Article: 60/40 produces "same" return with ~half the risk
Replies: 46
Views: 5487

Re: How To Encourage A Young (Sensitive) Child In Sports

Hey Davebo, I'm 50 now but I was very much like your son when I was young. Being involved with sports was a curse to me not a blessing. Due to the fact that I was so sensitive and withdrawn, the competition aspect was not good for someone like me. If I had different parents or was born in today's ag...
by stemikger
Sat Jun 07, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5467

Re: Age in Bonds (The Bogle Rule)

I just turned 35 so I am currently 65% equities and 35% bonds. I hope to retire at 60. This this too risky since I may retire earlier than the standard 65? With 30 years ahead of you... or maybe more by then, it might even be a bit on the conservative side. It is not too risky as long as you can st...
by stemikger
Sat Jun 07, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds (The Bogle Rule)
Replies: 135
Views: 11011

Re: Changed asset allocation from 60/40 to 50/50 today

We "stayed the course" from 2006 onwards so it feels kind of drag to "flinch" now but Dr. Bernstein's maxim "if you've won the game, why keep playing?" had been resonating like a drum beat given recent market highs... if we stopped working today our annual expenses wou...
by stemikger
Sat Jun 07, 2014 7:51 am
 
Forum: Investing - Theory, News & General
Topic: Changed asset allocation from 60/40 to 50/50 today
Replies: 56
Views: 5322

Re: Keeping up with the neighbors and Balance

You know, it's funny, I think of myself as frugal, and the general population as less so. However, I don't have an issue 'keeping up with the Jonses'. Perhaps it engineers in general, but among my co-workers most drive a worse car than I do (and mine is only worth about 9k). Most of my friends outs...
by stemikger
Sat Jun 07, 2014 1:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Keeping up with the neighbors and Balance
Replies: 95
Views: 9782

Re: Keeping up with the neighbors and Balance

Responsibility taken to the extreme becomes irresponsible. Wants are important for your well being, therefore ignoring them is irresponsible. Does that help? - Tim Tim this was a very interesting perspective and it made me think of why I am so damn responsible and it didn't take too long to figure ...
by stemikger
Fri Jun 06, 2014 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Keeping up with the neighbors and Balance
Replies: 95
Views: 9782

Re: Keeping up with the neighbors and Balance

This is a thread on a similar topic entitled "Do you regret saving too much?"... http://www.bogleheads.org/forum/viewtopic.php?f=10&t=98393 What is weird is that my thread - which was similar except that I did not talk to my neighbor ;-) - did not garner as many responses. I wonder wh...
by stemikger
Fri Jun 06, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Keeping up with the neighbors and Balance
Replies: 95
Views: 9782

Re: Favorite guitarist...

I don't remember when I first responded to this thread, but I think Eddie Van Halen should be up there. The guy created a new style of playing and soon thereafter everyone was trying to do it.
by stemikger
Tue Jun 03, 2014 3:22 am
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 187
Views: 18897

Re: Keeping up with the neighbors and Balance

O.K. You guys gave me a fair amount of reading to do and I'm more than half way through. I am going to print all of these replies out and make a little booklet for myself. Yes, your advice has been that valuable and I will refer to it when I need a reality check. There was some amazing insights here...
by stemikger
Tue Jun 03, 2014 2:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Keeping up with the neighbors and Balance
Replies: 95
Views: 9782

Re: Keeping up with the neighbors and Balance

Am I the only one who thinks it's a bit weird for the OP and neighbor to have 1) bought his/her adjoining town homes at the same time 2) be the same age, and 3) make the same salary? I didn't think that was strange, but the thought of putting a pool in the backyard of a townhome seems strange to me...
by stemikger
Mon Jun 02, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Keeping up with the neighbors and Balance
Replies: 95
Views: 9782

Keeping up with the neighbors and Balance

I am a Boglehead through and through. All of my investments are 100% indexed, I'm frugal and not wasteful, but generous when it counts. I don't really deprive myself, but due to the fact I don't carry debt of any kind, I have to wait to do things like home repairs, buy a car, etc. If I can't pay for...
by stemikger
Mon Jun 02, 2014 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Keeping up with the neighbors and Balance
Replies: 95
Views: 9782

Re: A great short documentary on Passive Investing

Thanks, but it doesn't look like too many are interested. Oh well, it inspired me so I thought it would inspire others. Stemikger: I have made several posts recommending this great series of videos. I think the reason it does not get much response is that it simply echos and reinforces the time-tes...
by stemikger
Mon Jun 02, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: A great short documentary on Passive Investing
Replies: 10
Views: 1302

Re: A great short documentary on Passive Investing

I watched it when it came out more than a year ago. It's very entertaining. LOL. Talk about being late to the game. LOL. I figured most saw it, but I know there is always new people checking out this site so I posted it. After all this time, I still don't search things before I post them. And to ma...
by stemikger
Mon Jun 02, 2014 9:42 am
 
Forum: Investing - Theory, News & General
Topic: A great short documentary on Passive Investing
Replies: 10
Views: 1302

Re: A great short documentary on Passive Investing

Thanks, but it doesn't look like too many are interested. Oh well, it inspired me so I thought it would inspire others.
by stemikger
Sun Jun 01, 2014 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: A great short documentary on Passive Investing
Replies: 10
Views: 1302

John Bogle's son John [Bogle Investment Management]

Did you ever wonder why Jack's son John has gone into active management. Index investing is not a theory but a mathematical fact. I wonder why being the son of the father of indexing he choose to go to the dark side. LOL.
by stemikger
Sun Jun 01, 2014 10:53 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's son John [Bogle Investment Management]
Replies: 22
Views: 3500

A great short documentary on Passive Investing

This is one of the best documentaries I have ever seen on passive investing especially if you live in the UK. When I watched it on You Tube it was all in one video, but for some reason, It's in 8 parts on the computer. Here is the link to part 1 and if you care to watch it part 2 through 8 should be...
by stemikger
Sun Jun 01, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: A great short documentary on Passive Investing
Replies: 10
Views: 1302

Re: Inside Grilling

gatorman wrote:I recently saw this:

https://www.buymindenanytimegrill.com/?MID=3346159

which might work for you.


This looks good. I think it will probably be as close to a gas grill as you can get.
by stemikger
Fri May 30, 2014 9:47 am
 
Forum: Personal Consumer Issues
Topic: Inside Grilling
Replies: 40
Views: 3079

Re: You know you're a Boglehead when ...

lawman3966 wrote:
sschullo wrote:The moment you realize that you want to be just like Taylor when you grow up.


Moreover, you assume that the name "Taylor" without further detail refers to Taylor Larimore, not Taylor Swift.


:beer
by stemikger
Thu May 29, 2014 8:14 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 105
Views: 15822

Re: You know you're a Boglehead when ...

The first thing that comes to mind on your 50th birthday is the catch-up provision you are now going to be able to make in your 401K.
by stemikger
Thu May 29, 2014 8:13 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 105
Views: 15822

Re: This market is a snoozer, do you like it?

I try and follow what Jack has been teaching for years. Pick an asset allocation that enables you to sleep at night and matches your goals and "DON'T PEAK". If you do that, you really don't know what the daily or yearly market is doing. But if I had a choice, boring is preferable. Slow, S...
by stemikger
Wed May 28, 2014 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: This market is a snoozer, do you like it?
Replies: 45
Views: 4517

Re: Inside Grilling

I used the George Forman indoor grill for many years. If you just want hotdogs and hamburgers, it was an acceptable and healthy alternative, but if you really want that grilled flavor, there is nothing like an outdoor grill. With the Foreman Grill, you drain away a lot of the juices and fats that m...
by stemikger
Wed May 28, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: Inside Grilling
Replies: 40
Views: 3079
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