favorite bogleheads posts?
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favorite bogleheads posts?
I just saw a great, if slightly-aged, post from nisiprius that is one of my new favorites. (http://www.bogleheads.org/forum/viewtop ... 1#p1918719)
I'm sure there are many great posts from the past that I've missed. Looking for a similar list, I saw a thread about creating a "Best of Bogleheads posts" but nothing came of that.
Does anyone have favorites they'd like to share? Please post links here.
(To get the link, just click on the post's title and then copy out the url. You can also click on the tiny symbol at the top of the post, just to the left of where it says "by <author>")
[edit: add cross-link to thread of favorite boglehead quotes: viewtopic.php?f=10&t=98118&newpost=4529599
link to thread of favorite threads: viewtopic.php?t=238469
]
I'm sure there are many great posts from the past that I've missed. Looking for a similar list, I saw a thread about creating a "Best of Bogleheads posts" but nothing came of that.
Does anyone have favorites they'd like to share? Please post links here.
(To get the link, just click on the post's title and then copy out the url. You can also click on the tiny symbol at the top of the post, just to the left of where it says "by <author>")
[edit: add cross-link to thread of favorite boglehead quotes: viewtopic.php?f=10&t=98118&newpost=4529599
link to thread of favorite threads: viewtopic.php?t=238469
]
Last edited by random_walker_77 on Sat Jan 11, 2020 10:16 pm, edited 2 times in total.
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Re: favorite bogleheads posts?
Also from nisiprius: "A time to EVALUATE your jitters." Almost 3 years old now. I still refer people to it via email on a regular basis.random_walker_77 wrote:Does anyone have favorites they'd like to share? Please post links here.
http://www.bogleheads.org/forum/viewtopic.php?t=79939
Mike Piper |
Roth is a name, not an acronym. If you type ROTH, you're just yelling about retirement accounts.
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Re: favorite bogleheads posts?
I nominate Taylor Larimore's post, Safe Withdrawal Rates ? Complexity vs. Simplicity.
Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness; Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.
Re: favorite bogleheads posts?
LadyGeek's "This thread is locked." Multiple references.
Victoria
Victoria
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Winner of the 2015 Boglehead Contest. |
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Re: favorite bogleheads posts?
Not only a LOL, but an actual belly laughVictoriaF wrote:LadyGeek's "This thread is locked." Multiple references.
Victoria
Thanks.
I get the FI part but not the RE part of FIRE.
Re: favorite bogleheads posts?
The locked threads by stlutz on DCA and Value
"..the cavalry ain't comin' kid, you're on your own..."
Re: favorite bogleheads posts?
The Boglehead beer thread. I've tried several new brews at the suggestion of others on that thread with good results.
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Re: favorite bogleheads posts?
Favorite post, thread, or post to start a thread? So far the responses have covered all 3.
Re: favorite bogleheads posts?
I have to say by far the most useful and informative posts for me on this board were from bob90245 and his website which has been down for about 2 years: bob's financial website. He hasn't posted since then either. His website information was extremely helpful in guiding my wife and I into retirement. We retired a couple of months after he stopped posting and I had been printing large numbers of topics from his website so still have most of this retirement-related info. It is now common knowledge to us but at the time opened our eyes to sound decisions to make before and during retirement.
John
John
Re: favorite bogleheads posts?
I like posts by Victoria.
Chaz |
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“Money is better than poverty, if only for financial reasons." Woody Allen |
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Re: favorite bogleheads posts?
Rick and Larry.
My favorite post is any post from Rick Ferri and Larry Swedroe in which they teach the readers how to fish. And now to the other side of the coin, my least favorite post is any post in which other members try to discredit Rick Ferri or Larry Swedroe.
Thanks for reading.
My favorite post is any post from Rick Ferri and Larry Swedroe in which they teach the readers how to fish. And now to the other side of the coin, my least favorite post is any post in which other members try to discredit Rick Ferri or Larry Swedroe.
Thanks for reading.
~ Member of the Active Retired Force since 2014 ~
Re: favorite bogleheads posts?
http://www.bogleheads.org/forum/viewtop ... 0#p1466867
This nisiprius' post on bonds was very influential for me.
I had always been 100% stocks, was becoming more boglehead-ish, had kinda decided having an allocation to bonds was right for me, but I couldn't bring myself to make the change because I kept telling myself:
"by golly, why did I have to start coming to my senses at the absolute worst time in history to buy bonds!...I know I should, but maybe I'll just wait a while until rates have gone up a bit (not sure what I meant by 'a bit') and then I'll do the right thing. I'll just wait out the coming inevitable pain that bondholders will face, sidestep the risk, and then, after the storm, maybe I'll go to a more sensible 80/20 allocation when the rate environment is safer"
This part of the post particularly struck a cord and helped me re-examine my thinking.
This nisiprius' post on bonds was very influential for me.
I had always been 100% stocks, was becoming more boglehead-ish, had kinda decided having an allocation to bonds was right for me, but I couldn't bring myself to make the change because I kept telling myself:
"by golly, why did I have to start coming to my senses at the absolute worst time in history to buy bonds!...I know I should, but maybe I'll just wait a while until rates have gone up a bit (not sure what I meant by 'a bit') and then I'll do the right thing. I'll just wait out the coming inevitable pain that bondholders will face, sidestep the risk, and then, after the storm, maybe I'll go to a more sensible 80/20 allocation when the rate environment is safer"
This part of the post particularly struck a cord and helped me re-examine my thinking.
A huge thanks to nisiprius and the many other folks here who are so generous in sharing their wisdom; as well as to those who make this resource available.I think bonds will not do as well over the next thirty years as they did during the last thirty. So what? Suppose someone says "I don't think Walt Disney World is as good as it used to be," what do you do, take your 4-year old to a Wagner opera as a substitute? If you need Disney World, you need Disney World. If you need bonds, you need bonds.
Re: favorite bogleheads posts?
Bill Bernstein on a decade of commodities and futures funds:
http://www.bogleheads.org/forum/viewtop ... st=1893183
http://www.bogleheads.org/forum/viewtop ... st=1893183
Re: favorite bogleheads posts?
Just about anything by The Munchkin Man.
Re: favorite bogleheads posts?
+1Riprap wrote:Just about anything by The Munchkin Man.
Re: favorite bogleheads posts?
Any thread with the words "Should I" and "leverage" in the title.
Re: favorite bogleheads posts?
This nisiprius thread is my personal all-time favorite:
http://www.bogleheads.org/forum/viewtopic.php?t=83364
http://www.bogleheads.org/forum/viewtopic.php?t=83364
Re: favorite bogleheads posts?
Thanks to all the great advice over the years but this one was very timely from Rick:
http://www.bogleheads.org/forum/viewtopic.php?t=26284
http://www.bogleheads.org/forum/viewtopic.php?t=26284
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Re: favorite bogleheads posts?
I know you are asking for favorite posts, but this thread is currently my favorite thread.
Re: favorite bogleheads posts?
This thread is now in the Local Chapters and Bogleheads Community forum. Wait a second, it already is.
This one is on my list: Re: Girlfriend moving in, lots of student loan debt
This one is on my list: Re: Girlfriend moving in, lots of student loan debt
Re: favorite bogleheads posts?
The one about I-Bonds.
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Re: favorite bogleheads posts?
Anything with "NAV DROPPED" or "VALUE DROPPED ON MARKET HIGH." Caps usually always included.
They just make me smile.
They just make me smile.
I know nothing!
Re: favorite bogleheads posts?
Thread:
Most underrated band of all time [that you listen to]?
http://www.bogleheads.org/forum/viewtop ... 1&t=102583
Plus any thread by some guy who keeps raving about how irresponsible his girl friend is, when it is pretty clear that he is the problem.
Most underrated band of all time [that you listen to]?
http://www.bogleheads.org/forum/viewtop ... 1&t=102583
Plus any thread by some guy who keeps raving about how irresponsible his girl friend is, when it is pretty clear that he is the problem.
Re: favorite bogleheads posts?
Robert T.'s monster post "Collected Thoughts" is my favorite post of all time. Even if you prefer to just go with a 3-Fund or with LIfeStrategy rather than any type of tilt this is still a great resource.
http://www.bogleheads.org/forum/viewtop ... f=1&t=7353
http://www.bogleheads.org/forum/viewtop ... f=1&t=7353
A man is rich in proportion to the number of things he can afford to let alone.
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Re: favorite bogleheads posts?
Taylor's response to a "Why not 100% stocks" thread...
Taylor Larimore| 09-28-00
Our family owned "Larimore's Diner" in Foxboro, Mass. in 1929. I was 5 years old and remember. When the depression hit, we lost the Diner and moved into my grandfather's home in Miami. Grandfather, who was an investor and chief executive of an investment trust company, lost everything--including the Miami home we lived in.
These figures show what a REAL bear market is like:
BEAR MARKET OF 1929-1937 (Dow plunged 89%)
-1929--1930--1931--1932
(-31%)(-25%)(-43%)(-08%) Large Cap Stocks
(-34%)(-35%)(-47%)(-06%) Mid/Small Cap Stocks
(-47%)(-38%)(-50%)(-05%) Micro Cap Stocks
(+04%)(+07%)(-02%)(+09%) 5-Year Treasury Bonds
BEAR MARKET OF 1973-1976 (S&P fell 43%)
-1973--1974
(-15%)(-26%) Large Caps
(-39%)(-29%) Micro Caps
---(-70%) Coca-Cola
---(-82%) Intel
---(-73%) McDonald's
---(-86%) Merrill Lynch
---(-86%) Walt Disney
---(-71%) Xerox
Figures cannot convey the horrifying and debilitating effects of a bear market. You watch in agony as month after month your life savings evaporate before your eyes. Gloom and doom talk is everywhere. Nearly everyone else is selling. You have no idea when, or if, your portfolio will stop losing money.
Your friends and relatives urge you to sell. Nearly all financial experts recommend "sell". You are ridiculed for trying to hold on. You begin to have self-doubt. Dispair sets in. Buying stocks is unthinkable. Suicide's increase. That's a REAL bear market.
Now you understand why very few "old-timers" are 100% in stocks.
Best wishes.
Taylor
"Buy-and-hold, long-term, all-market-index strategies, implemented at rock-bottom cost, are the surest of all routes to the accumulation of wealth" - John C. Bogle
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Re: favorite bogleheads posts?
Order of importance...
Steve Dunn | 12-18-2005
In order of priority, I would list what is important in the following order of priority:
1. How much you earn (the value of your human capital).
2. An intelligent insurance program.
3. Your savings rate.
4. Your allocation to stocks versus bonds.
"Buy-and-hold, long-term, all-market-index strategies, implemented at rock-bottom cost, are the surest of all routes to the accumulation of wealth" - John C. Bogle
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Re: favorite bogleheads posts?
John Norstad's great asset allocation calculator...
John Norstad | March 2004
I have indeed found a great asset allocation calculator. It uses MPT and all the other modern models like Fama-French. It uses a huge database of expert analyst's estimates of correlations and expected returns and standard deviations and all the other information available on the entire planet. It actually runs on an analog computer (not digital). It uses the latest state-of-the-art neural network and artificial intelligence algorithms. It always produces extremely reasonable asset allocation percentages for any and all possible assets and asset classes. Anyone can easily use the calculator. It's free.
It's called the market.
"Buy-and-hold, long-term, all-market-index strategies, implemented at rock-bottom cost, are the surest of all routes to the accumulation of wealth" - John C. Bogle
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Re: favorite bogleheads posts?
Any post from Longtimelurker. Brilliant guy. I agree with everything he has posted.
Stay the course. If you can't resist greed, and fear is proven to be 2x as strong, you are doomed as an investor.
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Re: favorite bogleheads posts?
Bill Bernstein on the value effect...
Is there a value effect? Personally, I think the answer is yes. But there are some very smart people who disagree, one of whom is named Bogle. You quickly learn that when you disagree with the Sage of Valley Forge, you usually wind up cleaning egg off your face.
"Buy-and-hold, long-term, all-market-index strategies, implemented at rock-bottom cost, are the surest of all routes to the accumulation of wealth" - John C. Bogle
Re: favorite bogleheads posts?
Every January I like the updated Backtest-Portfolio returns.
Originally started as Simba's backtesting spreadsheets.
Wilson
Originally started as Simba's backtesting spreadsheets.
Wilson
Re: favorite bogleheads posts?
OMG - I never saw this before now. This is hysterical. I wonder what happened to the two of them? I'd give long odds that they no longer speak...LadyGeek wrote:This thread is now in the Local Chapters and Bogleheads Community forum. Wait a second, it already is.
This one is on my list: Re: Girlfriend moving in, lots of student loan debt
Re: favorite bogleheads posts?
Well played!Longtimelurker wrote:Any post from Longtimelurker. Brilliant guy. I agree with everything he has posted.
A man is rich in proportion to the number of things he can afford to let alone.
Re: favorite bogleheads posts?
I agree. I visited Bob's website almost every week. I loved his 4% withdrawal posts that were updated at the beginning of every year.John Z wrote:I have to say by far the most useful and informative posts for me on this board were from bob90245 and his website which has been down for about 2 years: bob's financial website. He hasn't posted since then either. His website information was extremely helpful in guiding my wife and I into retirement. We retired a couple of months after he stopped posting and I had been printing large numbers of topics from his website so still have most of this retirement-related info. It is now common knowledge to us but at the time opened our eyes to sound decisions to make before and during retirement.
John
Re: favorite bogleheads posts?
When a member is worried what others think of them, Taylor Larimore puts this in the right perspective. Subject: How to get over finance envy
Update: Added signature.Taylor Larimore wrote:Paddington:
At age 89, I have traveled a long road and observed a few things:
In general, there are two kinds of people:
"Outer-directed" who spend their lives trying to impress others.
"Inner-directed" who achieve peace of mind.
There will always be people with more then we have, and many people with less. Try to accept that fact and focus on being comfortable with who you are.
Best wishes.
Taylor
"Simplicity is the master key to financial success." -- Jack Bogle
Re: favorite bogleheads posts?
Speak? Probably text. Not long ago we spotted a young couple in a restaurant, pretty obviously on a date. Both were texting away while waiting for their meal to be served. Probably a 50/50 chance they were texting to each other.lhl12 wrote: I'd give long odds that they no longer speak...
Don't trust me, look it up. https://www.irs.gov/forms-instructions-and-publications
Re: favorite bogleheads posts?
Agree! But there's just on thing missing - Taylor's signature: "The Majesty of Simplicity."LadyGeek wrote:When a member is worried what others think of them, Taylor Larimore puts this in the right perspective. Subject: How to get over finance envy
Taylor Larimore wrote:Paddington:
At age 89, I have traveled a long road and observed a few things:
In general, there are two kinds of people:
"Outer-directed" who spend their lives trying to impress others.
"Inner-directed" who achieve peace of mind.
There will always be people with more then we have, and many people with less. Try to accept that fact and focus on being comfortable with who you are.
Best wishes.
Taylor
"Yes, investing is simple. But it is not easy, for it requires discipline, patience, steadfastness, and that most uncommon of all gifts, common sense." ~Jack Bogle
Re: favorite bogleheads posts?
Thanks, I fixed it.
Re: favorite bogleheads posts?
My all time favorite "The Three Fund Portfolio" by Mr. Taylor Larimore. It was an eye opener for me when I was deciding on an asset allocation. It taught me that more complicated doesn't mean better.
Thanks
Thanks
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Re: favorite bogleheads posts?
What? You say you don't know what time it is?
Paging Petrocelli.
http://www.bogleheads.org/forum/viewtop ... 11&t=27707
Edited to add: In all seriousness, Taylor's "Three Fund Portfolio" postings win hands down for the best thing I've ever read on any finance site, anywhere, ever. That he faithfully introduces people to it with great charm, graciousness, and wisdom, makes it even more special. If the Bogleheads database got wiped out, I would hope the very first post is Taylor introducing the Three Fund Portfolio.
Paging Petrocelli.
http://www.bogleheads.org/forum/viewtop ... 11&t=27707
Edited to add: In all seriousness, Taylor's "Three Fund Portfolio" postings win hands down for the best thing I've ever read on any finance site, anywhere, ever. That he faithfully introduces people to it with great charm, graciousness, and wisdom, makes it even more special. If the Bogleheads database got wiped out, I would hope the very first post is Taylor introducing the Three Fund Portfolio.
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Re: favorite bogleheads posts?
I agree, and I'm very sorry that apparently nobody has yet been able to find out what happened. That was the best collection of materials on withdrawals. I assume of course that he's passed away, but I wish someone could tell any surviving family what a great contribution it was... AND see if it's possible to get any of it back online (I know about the Wayback Machine, but it's balky and doesn't archive pictures and files--or does so unreliably).MP1233 wrote:I agree. I visited Bob's website almost every week. I loved his 4% withdrawal posts that were updated at the beginning of every year.John Z wrote:I have to say by far the most useful and informative posts for me on this board were from bob90245 and his website which has been down for about 2 years: bob's financial website. He hasn't posted since then either. His website information was extremely helpful in guiding my wife and I into retirement. We retired a couple of months after he stopped posting and I had been printing large numbers of topics from his website so still have most of this retirement-related info. It is now common knowledge to us but at the time opened our eyes to sound decisions to make before and during retirement.
John
Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness; Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.
Re: favorite bogleheads posts?
At the time, we did send an email to the address on record requesting information. There was no reply. For an anonymous internet forum, that's the most we should do.
- Taylor Larimore
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Bob's Financial Website
Bogleheads:
Below is a link to the discontinued Bob's Financial Website:
http://web.archive.org/web/201102080640 ... bsite.com/
Good financial advice withstands the test of time.
Best wishes.
Taylor
Below is a link to the discontinued Bob's Financial Website:
http://web.archive.org/web/201102080640 ... bsite.com/
Good financial advice withstands the test of time.
Best wishes.
Taylor
"Simplicity is the master key to financial success." -- Jack Bogle
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Re: favorite bogleheads posts?
I agree, I understand, and didn't mean to be critical. I'm just sad about it.LadyGeek wrote:At the time, we did send an email to the address on record requesting information. There was no reply. For an anonymous internet forum, that's the most we should do.
Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness; Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.
Re: favorite bogleheads posts?
Nisiprius, there's an entire thread for one of your posts: Ode to Nisiprius, investing, AA, and, other life choices.
Re: favorite bogleheads posts?
Here's stlutz on small cap value: http://www.bogleheads.org/forum/viewtop ... 10&t=96441 I link this thread a couple of times per year and every time I reread it I still laugh. Hilarious!peppers wrote:The locked threads by stlutz on DCA and Value
TrevH's slices is my second favorite: http://www.bogleheads.org/forum/viewtopic.php?t=38374
There are no guarantees, only probabilities.
Re: favorite bogleheads posts?
The best thread I'm aware of on this forum (not that I've read them all) was the one by market timer called something like "mortgage your retirement". It should be required reading for anyone who has a plan to trade on margin. In well over 1k posts, it chronicles a fascinating crash and burn story.
Re: favorite bogleheads posts?
I think you mean this one: A different approach to asset allocation
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Re: favorite bogleheads posts?
Matjen wrote:
Same here, there are great discussions and much to learn (for me) on this post. I also appreciate, that he updates the post/links periodicallyRobert T.'s monster post "Collected Thoughts" is my favorite post of all time. Even if you prefer to just go with a 3-Fund or with LIfeStrategy rather than any type of tilt this is still a great resource.
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Re: favorite bogleheads posts?
1. Any post of Taylor that has nothing to do with finance, but just the wisdom he has developed over the many years of life. He has a way of conveying simple messages much the same way as Mr. Bogle, but still with profound meaning.
2. Don't remember the thread, but believe it was from nisiprius about keeping cool following the market plummet following the downgrade of the U.S. credit rating several years ago.
Good luck.
2. Don't remember the thread, but believe it was from nisiprius about keeping cool following the market plummet following the downgrade of the U.S. credit rating several years ago.
Good luck.
"The stock market [fluctuation], therefore, is noise. A giant distraction from the business of investing.” |
-Jack Bogle