Search found 920 matches

by lostdog
Sat Jun 16, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 436
Views: 97910

Re: Anyone regret paying off mortgage early?

When we paid off our mortgage, seeing our cash flow increase was awesome. Then reouting the mortgage payment to the brokerage account.
by lostdog
Thu Jun 14, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3140

Re: Vanguard Advisor Services

I don't use it, but wouldn't hesitate to have my wife use it if I fell over dead. They can be of help transfering accounts, getting things setup, etc. After a while and once you have hit a fixed asset allocation, there just isn't much to do. +1 When I pass, my wife is instructed to contact Vanguard...
by lostdog
Thu Jun 14, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3140

Re: Vanguard Advisor Services

I don't use it, but wouldn't hesitate to have my wife use it if I fell over dead. They can be of help transfering accounts, getting things setup, etc. After a while and once you have hit a fixed asset allocation, there just isn't much to do. +1 When I pass, my wife is instructed to contact Vanguard...
by lostdog
Wed Jun 13, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Thrivent?
Replies: 17
Views: 1701

Re: Thrivent?

It's admirable of them to do community service and chartible stuff but if you look a it a different way, it's no different from branding and a sales pitch to go with them and make you feel like you're giving also, but in fact you're paying their high fees and loads which goes into their pockets. I a...
by lostdog
Wed Jun 13, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3140

Re: Vanguard Advisor Services

If you don't have a taxable account, based on your current allocation you could go with Vanguard Target Retirement Income fund. Yes, it's that simple.

It's the same thing. You just won't be paying .30% for the phone calls from Vanguard.

https://investor.vanguard.com/mutual-fu ... file/VTINX
by lostdog
Wed Jun 13, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 99
Views: 12303

Re: Have $3m at 33, "approach to career" advice needed

I can't imagine anyone having that level of success at your age ever enjoying going to work for someone else making +/- 100k. There's a lot of soul crushing nonsense that goes on in the corporate world at that level. I agree with this. A lot of corporate BS and poor work-life balance. With your suc...
by lostdog
Wed Jun 13, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 436
Views: 97910

Re: Anyone regret paying off mortgage early?

I don't regret. We feel safe and sleep well knowing we're no longer slaves to a lender.
by lostdog
Wed Jun 13, 2018 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 99
Views: 12303

Re: Have $3m at 33, "approach to career" advice needed

I'll make this short and simple. Semi-retire. Move to LCOL area close to family and friends, pick a part time gig you're passionate about. You'll have a balance of both worlds. No stress, still make money with something you enjoy doing and spending more time with your wife and kid. Balance. Congratu...
by lostdog
Wed Jun 13, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: Schwab's market predictions next 10 years
Replies: 20
Views: 2657

Re: Schwab's market predictions next 10 years

All noise. That's all it is.
by lostdog
Wed Jun 13, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2540

Re: Trade-up my $89 Walmart bike

Get the Trek. You'll enjoy it so much. :sharebeer
by lostdog
Tue Jun 12, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Simplicity"
Replies: 21
Views: 25582

Re: What Experts Say About "Simplicity"

Reminds me of a Boglehead that only had an account at Vanguard and a local credit union. Boy did that sound good so simple but yet so good. This is what my wife and I do. Vanguard and local bank. That's it. Simple Simple Simple. We have a checking account at our local credit union and invest with V...
by lostdog
Mon Jun 11, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: Early retirement pros and cons:
Replies: 78
Views: 9988

Re: Early retirement pros and cons:

I love having options. Fully retired and I am 42. I can go find part time work when I feel like it. Right now I enjoy riding my bike to the gym and working out in the mornings. By the time I am done with physical fitness routine, it's lunch time. In the afternoon I socialize with my gamer friends, k...
by lostdog
Sun Jun 10, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Best banks for checking accounts?
Replies: 33
Views: 3208

Re: Best banks for checking accounts?

Your local credit union.
by lostdog
Sun Jun 10, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Help requested for my FIRE framework...What am I forgetting?
Replies: 13
Views: 1383

Re: Help requested for my FIRE framework...What am I forgetting?

Pull the trigger asap. Life is short. Move to a LCOL area. I live in the Wisconsin Fox Valley and 90k a year is well above the norm. You could live like a king here with that income level or anywhere else in the Midwest except Chicago. You don't have to fund your kids college. They can learn to work...
by lostdog
Sun Jun 10, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Personal Advice for Retirement by 35?
Replies: 11
Views: 1605

Re: Personal Advice for Retirement by 35?

Even better. You could semi-retire. Still work part time with something you love doing and at the same time have more freedom than most. Your portfolio could cover the other half of the income. Easy.... I find that most people that fully retire end up being bored. Most of the FI bloggers have side g...
by lostdog
Fri Jun 08, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7328

Re: VMMXX (Vanguard Prime MM) risks

Or just go with the Federal Money Market sweep account. There is a reason Vanguard used that fund for the sweep account instead of Prime money market. I am going to guess because of less risk.
by lostdog
Wed Jun 06, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Another 2 fund group
Replies: 7
Views: 361

Re: Another 2 fund group

If 4 months makes you squirm than you need to educate yourself more about long term investing.

https://www.etf.com/docs/IfYouCan.pdf
by lostdog
Mon Jun 04, 2018 6:57 am
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 8492

Re: is Having more and needing less normal?

At 42 and 40 my wife and I find ourselves eliminating instead of accumulating stuff. Although we did buy a bike rack and kayaks. We are very active and use them extensively. I also have e a gym membership at $10 a month at Planet Fittness. I ride my bike there every morning weather permitting.
by lostdog
Sat Jun 02, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Microsoft Edge versus Chrome
Replies: 27
Views: 1659

Re: Microsoft Edge versus Chrome

I use Chrome because I am entrenched into the Google environment. I use all of the Google office products.
by lostdog
Fri Jun 01, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Financial setback stories
Replies: 21
Views: 3446

Re: Financial setback stories

In 2003 when my wife and I bought our first home. At the time we had the following: 1. Main mortgage-$120,000 2. Second mortgage-$20,000 3. My school loan-$15,000 4. Her school loan-$12,000 5. My car loan $20,000 6. Her car loan $9,000 7. CC debt ~$5,000 At the time we thought this was the normal Am...
by lostdog
Thu May 31, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Profile: The Road to 1Million USD
Replies: 42
Views: 8372

Re: Profile: The Road to 1Million USD

All great advice above. Live below your means. Don't keep up with the Joneses. Most of the Joneses are broke. Most are all hat no cattle. Never borrow. You'll be a slave to the lender. It doesn't matter what anyone thinks of you or your plans. Stick with family and close friends that have your best ...
by lostdog
Thu May 31, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 11514

Re: To be or not to be complex, that is the question

Total World Equity Index is all I need for now. I'll add Total World Bond as I get older. A very simple two fund portfolio. Vanguard Total World Index Fund Vanguard Total World Bond Index Fund(ETF for now). Thanks! lostdog: I have little doubt that you will do better than most. I have no doubt you ...
by lostdog
Thu May 31, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 11514

Re: To be or not to be complex, that is the question

Well said. Total World Equity Index is all I need for now. I'll add Total World Bond as I get older.

A very simple two fund portfolio.

Vanguard Total World Index Fund
Vanguard Total World Bond Index Fund(ETF for now).

Thanks!
by lostdog
Wed May 30, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1430236

Re: U.S. stocks in freefall

Interesting year so far. We keep crossing 500k in investments. I lost count on how many times we went back and forth. We just keep investing as scheduled. A good year to keep accumulating.
by lostdog
Sun May 27, 2018 6:12 pm
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12752

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

If you tilt to anything besides world market cap, you're betting.
by lostdog
Sat May 26, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: should I buy or rent
Replies: 18
Views: 1266

Re: should I buy or rent

Rent. Looking forward to selling our house someday but not looking forward to dealing with a real estate agent, minor fixes and fees.
by lostdog
Thu May 24, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12752

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

Here is a good article from the Humble Dollar in regards to a global portfolio.

http://www.humbledollar.com/money-guide ... portfolio/
by lostdog
Wed May 23, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12752

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

When Vanguard starts offering Admiral shares of this fund I guarantee some will have second thoughts of their home bias because of the cost and simplicity of VT/VTWSX.
by lostdog
Wed May 23, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 50
Views: 2580

Re: Quicken - Do you use it?

I use Quicken 2018 basic version just for the checking account, budgeting and cash flow. I track our investment accounts at Vanguard.

I use the budget and cash flow tools in Quicken. I feel these tools are valuable for me to stay on track with LBYM.
by lostdog
Wed May 23, 2018 9:17 am
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12752

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

The only reason I am averse to putting money in Vanguard's Total World Index is that the expense ratio is .18%, which is a bit higher than other Vanguard offerings. I feel like I'm making a mountain out of a molehill though. That was my thought for awhile too. I decided to make the move for the lon...
by lostdog
Wed May 23, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12752

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

Interesting thread! It sounds like VTWSX is gaining traction. It seems the country holding is based on performance, so if the US continues to lead in growth, will the index not compensate and hold a larger US portion? Yes. The total world index is a float-adjusted market cap weight index. If US equ...
by lostdog
Wed May 23, 2018 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Best buy and hold vanguard fund forever...
Replies: 28
Views: 3144

Re: Best buy and hold vanguard fund forever...

VT. Vanguard Total World equity index fund. For bonds Vanguard will release Total World bond index in the third quarter of this year. Very simple two fund portfolio to set it and forget it.
by lostdog
Wed May 23, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total World Bond ETF
Replies: 30
Views: 3396

Re: Vanguard Announces Plans To Launch Total World Bond ETF

Great news. Although I am disappointed they don't have a mutual fund version. Great news for the beginning to average investor. Simplicity at it's best. Thank you Vanguard. I would change to the ETF version of Vanguard Total World equity index but I use the automatic investment tool at Vangaurd. I c...
by lostdog
Tue May 22, 2018 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Where Should I Invest 3k in Taxable Account? 100% VTSMX?
Replies: 11
Views: 1265

Re: Where Should I Invest 3k in Taxable Account? 100% VTSMX?

dharrythomas wrote:
Tue May 22, 2018 5:32 pm
I like Total World Stock, but TSM is great too.

Good luck.
+1. Both are good funds. I personally use VTWSX (Vanguard Total World) to capture the entire world.
by lostdog
Thu May 17, 2018 8:22 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 173
Views: 14978

Re: I’m still not a fan of international bond funds

It seems to me that the pinnacle of the Boglehead philosophy would be a two-fund portfolio consisting of Total World Stock and Total World Bond, both market capped. It's the ultimate solution to 'nobody knows nuthin'' and I don't really see a rational alternative. How wrong am I? +1. Not wrong at a...
by lostdog
Wed May 16, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 491
Views: 28852

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

So my question is this, does this "rule" saying people will be in a lower tax bracket in retirement actually lead to misleading advise? For most people this is not misleading advice. Granted I'm still going with the Roth IRA and pretax 401k but I wonder if the traditional advise is correct for myse...
by lostdog
Wed May 16, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: How to decide VT vs VTI?
Replies: 6
Views: 865

Re: How to decide VT vs VTI?

If you want simple and set and forget it pick VT and go live your life.
by lostdog
Wed May 16, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE book recommendation request.
Replies: 17
Views: 1120

Re: FIRE book recommendation request.

The Simple Path to Wealth. https://www.amazon.com/dp/B01H97OQY2/ref=dp-kindle-redirect?_encoding=UTF8&btkr=1 Yep, this is the one I would recommend as well. The best one out there. He recommends just VTSAX, Vanguard Total Stock Market. I took it a step further and use VTWSX, Vanguard Total World. I...
by lostdog
Tue May 15, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 4071

Re: Three fund portfolio performance

Possible trolling. This doesn't make any sense at all based on the time frame stated.
by lostdog
Sun May 13, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: VTWSX Question [Vanguard Total World Stock Index]
Replies: 15
Views: 1524

Re: VTWSX Question

I did what you are proposing to do. You're going to get all types of replies but in the end it won't matter much. Don't punish yourself over the details and constantly look for approval from others on this fund. It's the most bogleheadish equity fund in existence. I value simplicity so I bought the ...
by lostdog
Sat May 12, 2018 9:05 am
Forum: Investing - Help with Personal Investments
Topic: How close do you cut your monthly surplus?
Replies: 22
Views: 3109

Re: How close do you cut your monthly surplus?

I carry a razor thin cash margin. My income and expenses vary a bit which adds some excitement. You have way, way, ridiculously more cash than I do. Max tax advantaged and have a plan for when unexpected expenses arise. Or I guess it doesn't really matter if they are unexpected or not. Have a plan ...
by lostdog
Fri May 11, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 20880

Re: Why International again?

rudeboy, Look, I don't even know what your chart is comparing. How is the global portfolio constructed? Is it equally-weighted by country/region, or equally-weighted by market caps? U.S. small caps returned much more than the S&P500 (have a look at the chart below), so adding small caps to the U.S....
by lostdog
Wed May 09, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 20880

Re: Why International again?

$30 trillion in wealth is going to transfer to millennials from baby-boomers checking out over the next 30 years. Younger investors don't have nearly the "US good foreign risky-bad" mindset that many baby-boomers have from growing up during the cold war and other formative year experiences. Regardl...
by lostdog
Tue May 08, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 68
Views: 6689

Re: What backup service to use?

Online, my photos are in Google Photos. My music is in Google Music. Everything else I use OneDrive. I got in the habit long ago of keeping all my data in one folder (with subfolders of course). This makes it very easy to backup. Since this doesn't include most media (music/photos), it doesn't take...
by lostdog
Mon May 07, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 5987

Re: Tires: Where to Get? Warranty? And Questions?

We bought all of our tires at Walmart. They have the best price and cheapest install. So far no issues at all. They also do free tire rotation for the life of the tires
by lostdog
Mon May 07, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Correcting an Error? Invested high dividend index fund in taxable account.
Replies: 25
Views: 1808

Re: Correcting an Error? Invested high dividend index fund in taxable account.

Vanguard Total World is a good one also if you're a world market cap weight person.
by lostdog
Sun May 06, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 6431

Re: Pay $2500 in rent or continue living at home

Stay home until a girl/guy friend comes into the picture. Build up that money and when you find someone then move out.
by lostdog
Sun May 06, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Jonathan Clements "Where Money Grows Up"
Replies: 9
Views: 2050

Re: Jonathan Clements "Where Money Grows Up"

I was grinning while reading the entire list. I can relate to this. Thank you!