Search found 481 matches

by lostdog
Thu Jul 27, 2017 7:50 am
Forum: Investing - Theory, News & General
Topic: International Indices
Replies: 7
Views: 580

Re: International Indices

The U.S. vs International is a hot debate here. The purest 100% boglehead equity fund is Vanguard Total World Index. You can use this fund and never look back. Home country bias is no different than speculation, stock picking and sector betting.
by lostdog
Wed Jul 26, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Critique my assumptions in buy vs. rent analysis
Replies: 19
Views: 1170

Re: Critique my assumptions in buy vs. rent analysis

Stay in your current place and save.
by lostdog
Wed Jul 26, 2017 6:32 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 255
Views: 13835

Re: John Bogle Has Been Right About Investing In International Stocks

I moved from a FA and fee-laden funds to a 4-fund portfolio a couple years ago. I have a loss on Total Bond Market Index Fund and a nice gain in my International Bond Market Index Fund. I'm currently at 15% international but rethinking this allocation Because of this thread? Regret having internati...
by lostdog
Tue Jul 25, 2017 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: One fund to put 100k taxable in?
Replies: 8
Views: 690

Re: One fund to put 100k taxable in?

John Laurens wrote:Here is an option. Use 90k to pay off the mortgage. And use 90k to purchase shares of Vanguard Total World (VT).

Regards,
John



Vanguard Total World Index.
by lostdog
Tue Jul 25, 2017 8:12 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 255
Views: 13835

Re: John Bogle Has Been Right About Investing In International Stocks

He guessed right. I don't invest based on guesses. I buy the entire haystack with Vanguard Total World Index. Those that invest in U.S. only are guessing.

I feel bad for new investors reading replies from U.S. only investors and then seeing Vanguard recommend in 40%. I'm with Vanguard.
by lostdog
Tue Jul 25, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 111
Views: 5920

Re: Is Amazon Prime worth it?

I stick around for the Amazon Prime video. I am contemplating just using Netflix but I like some of the Amazon exclusive shows. Bosch for example.
by lostdog
Mon Jul 24, 2017 7:44 pm
Forum: Personal Consumer Issues
Topic: Hypertension with time management.
Replies: 13
Views: 1133

Re: Hypertension with time management.

The Power of Now by Eckhart Tolle is a great book. Slow down and simplify your life?
by lostdog
Sun Jul 23, 2017 11:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2796
Views: 805755

Re: What Movie Have You Recently Watched?

Poldark season 1 and 2. Prime video. Check it out. PBS masterpiece. In the Washington, DC, area watching previous seasons of Poldark requires enrolling in the PBS Passport, at $60/year or more. I intentionally live without a TV to limit my watching, and so getting a PBS subscription would be a slip...
by lostdog
Sun Jul 23, 2017 11:26 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 255
Views: 13835

Re: John Bogle Has Been Right About Investing In International Stocks

I highly respect Taylor and Mr. Bogle. With that being said it was a good guess and I cannot base my investment plan on speculation and home bias. I am going to side with Vanguard on this which is to diversify and simplify.

U.S. only portfolios are home biased and speculative.
by lostdog
Sun Jul 23, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2796
Views: 805755

Re: What Movie Have You Recently Watched?

Poldark season 1 and 2. Prime video. Check it out. PBS masterpiece.
by lostdog
Fri Jul 21, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: Advise to mass distribute (Dave?)
Replies: 8
Views: 398

Re: Advise to mass distribute (Dave Ramsey?)

Boglehead posts show mostly at the top of Google searches. I am pretty sure he has been here to read some of "Dave Ramsey" posts.
by lostdog
Fri Jul 21, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Lexus to Camry, invest difference
Replies: 30
Views: 2574

Re: Lexus to Camry, invest difference

Keep the Lexus. You'll get low ball offers from dealers. The Lexus will last just as long as Toyota. Don't worry about the minor stuff that will happen anyway. Enjoy the car and have fun. The Lexus reliability will give you peace of mind .
by lostdog
Thu Jul 20, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 7610

Re: Can anyone convince me I need international stock in my portfolio?

Why do so many people think we need it, and what is the reason, other than just speculation? The onus is not on those who believe in holding a market-cap weighted portfolio of stocks to prove you need international, but rather on those who believe you should deviate from market weight. The demand s...
by lostdog
Thu Jul 20, 2017 7:47 am
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 4009

Re: Expense Ratios, how high is too high

I am paying .21% for Vanguard Total World Index. The ER has been declining 2 to 5 points a year. We'll see what next year brings. Worth it to me as I value simplicity.
by lostdog
Thu Jul 20, 2017 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 7610

Re: Can anyone convince me I need international stock in my portfolio?

No one knows nothing. Jack Bogle said this right? I would think this is true for international. Just buy everything with Vanguard Total World Index for the long haul. There are compelling arguments on both sides. This will drive you nuts to no end. Stick with simplicity and diversification.
by lostdog
Tue Jul 18, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Three funds in 401k to mirror Total World Index
Replies: 4
Views: 365

Re: Three funds in 401k to mirror Total World Index

Thank you. Makes sense and looks simple enough. Costs are low also. Annual Expense Notice BlackRock US Equity Index M has total gross annual operating expenses of $0.20 per $1000 invested. . 02%ER BlackRock Russell 2500 Index M has total gross annual operating expenses of $0.40 per $1000 invested. ....
by lostdog
Tue Jul 18, 2017 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Three funds in 401k to mirror Total World Index
Replies: 4
Views: 365

Re: Three funds in 401k to mirror Total World Index

My wife's 401k now offers a BlackRock International Index and BlackRock Russel 2500 Index. She is currently in the BlackRock S&P 500 index. What percentage of each fund will be close enough to mirror the Vanguard Total World Index? It doesn't have to be exact, just close enough or in the ball p...
by lostdog
Tue Jul 18, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Three funds in 401k to mirror Total World Index
Replies: 4
Views: 365

Three funds in 401k to mirror Total World Index

My wife's 401k now offers a BlackRock International Index and BlackRock Russel 2500 Index. She is currently in the BlackRock S&P 500 index. What percentage of each fund will be close enough to mirror the Vanguard Total World Index? It doesn't have to be exact, just close enough or in the ball pa...
by lostdog
Mon Jul 17, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2796
Views: 805755

Re: What Movie Have You Recently Watched?

Lion on Netflix. Good movie.
by lostdog
Mon Jul 17, 2017 8:04 pm
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 47
Views: 4659

Re: Is now time to move into international stocks?

Many large US companies have significant international operations, so US stock markets are already somewhat international. Emerging markets seem riskier to me, and Europe has Brexit, PIGS, and diversity problems. If I were young or a billionaire, I'd be happy to gamble on international stocks becau...
by lostdog
Mon Jul 17, 2017 9:38 am
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 47
Views: 4659

Re: Is now time to move into international stocks?

Vanguard Total World Index for life.
by lostdog
Mon Jul 17, 2017 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 8323

Re: Personal Finance Milestone: 20 Times Annual Expense

50%+ savings is doable:

1. Don't keep up with the Joneses.
2. Financial independence is more important than high social status.
3. Do not care what others think.
4. Life experience is more important than collecting nice stuff.
by lostdog
Sun Jul 16, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking out loud
Replies: 30
Views: 3279

Re: Thinking out loud

Stay the course. :)

60/40 for life. You're all set.
by lostdog
Sun Jul 16, 2017 9:24 am
Forum: Investing - Theory, News & General
Topic: Is the Total US Stock Market too concentrated?
Replies: 51
Views: 3759

Re: Is the Total US Stock Market too concentrated?

Go with Vanguard Total World Index. Simplicity and diversification all in one. I don't have to think about sectors at all. It's all there. OR Go with a Life Strategy or Target Date Fund. Yes, but I prefer to overweight the US stocks for many reasons brought forth by Jack Bogle. I just wanted to kno...
by lostdog
Sun Jul 16, 2017 8:56 am
Forum: Investing - Theory, News & General
Topic: Is the Total US Stock Market too concentrated?
Replies: 51
Views: 3759

Re: Is the Total US Stock Market too concentrated?

Go with Vanguard Total World Index. Simplicity and diversification all in one. I don't have to think about sectors at all. It's all there.

OR

Go with a Life Strategy or Target Date Fund.
by lostdog
Sat Jul 15, 2017 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 8323

Re: Personal Finance Milestone: 20 Times Annual Expense

Congratulations! :sharebeer

Are you comfortable sharing your numbers?
by lostdog
Sat Jul 15, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 178
Views: 7211

Re: Do you count vehicle equity in net worth?

No. Cars are not part of our financial independence networth.
by lostdog
Sat Jul 15, 2017 11:40 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 16293

Re: How are folks handling the unprecedented rise in the market ?

Staying the course. We auto invest every month into Vanguard Total World Index.
by lostdog
Fri Jul 14, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 81
Views: 6807

Re: Bogleheads: Please help me pick a new car

Lexus or Toyota. Both will last forever.
by lostdog
Sun Jul 09, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: One Fund in Roth/Taxable
Replies: 13
Views: 1424

Re: One Fund in Roth/Taxable

You can also go with Vanguard Total World Index Fund in both Taxable and IRA's. This fund is more diverse with international in the mix. It's also tax efficient to hold in taxable.
by lostdog
Sun Jul 09, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 2999

Re: Is Vanguard down this AM (7/9/17)?

I've always wondered how many new clients and inflows the boglehead site brings into Vanguard when people find this site through web searches and word of mouth.
by lostdog
Sun Jul 09, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: What Vanguard International Index Fund?
Replies: 10
Views: 992

Re: What Vanguard International Index Fund?

If you want a market cap weight index you can hold forever as your equity position go with Vanguard Total World Index Fund. With this fund you'll get what the world markets will give you. It also helps me ignore the "how much in international" debates/noise that frequent this board. This i...
by lostdog
Sun Jul 09, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: should i invest lump sum in a taxable retirement account
Replies: 14
Views: 1295

Re: should i invest lump sum in a taxable retirement account

Time in the market is better than timing the market.
by lostdog
Sat Jul 08, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13375

Re: Anyone else gotten totally bored with investing?

I am bored with it too. We just have a monthly automatic investment. I just have a very brief positive happy thought when the date of the transfer arrives. That is the only actionable thing. The next action is to add bonds in a few years.
by lostdog
Fri Jul 07, 2017 7:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 197
Views: 23202

Re: Roll Call for the Retirement Class of 2017!

Retired from the full time rat race January 2017 at the age of 41. I was a Systems Engineer for 15 years which was very stressful. We saved about 70% of our income. I work part time sales to keep me engaged. The rest of the time I play. My wife is still working full time for the insurance. Once we ...
by lostdog
Fri Jul 07, 2017 4:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 197
Views: 23202

Re: Roll Call for the Retirement Class of 2017!

Retired from the full time rat race January 2017 at the age of 41. I was a Systems Engineer for 15 years which was very stressful. We saved about 70% of our income. I work part time sales to keep me engaged. The rest of the time I play. My wife is still working full time for the insurance. Once we h...
by lostdog
Fri Jul 07, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Paid off the Mortgage!
Replies: 73
Views: 5238

Re: Paid off the Mortgage!

Congratulations! Welcome to the club. Will you redirect your mortgage payments to your taxable account?

:sharebeer
by lostdog
Thu Jul 06, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Go part time number
Replies: 73
Views: 9950

Re: Go part time number

I am 41 and my wife is 39. I was a Systems Engineer and she is a Dietitian. We are debt free including our mortgage and our networth is $650,000. Our expenses run between $20,000 to $25,000 per year. I work part time and my wife works full time. My wife will go part time when our investable assets a...
by lostdog
Wed Jul 05, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: 45yo 18M portfolio, best way to grow?
Replies: 47
Views: 6458

Re: 45yo 18M portfolio, best way to grow?

A three fund portfolio of Total Stock Market Index, intermediate term Muni bond and International stock index OR Vanguard Total World Index and an Intermediate Term Bond. Unless you really like working I would suggest semi-retiring. You've won the game. You can set your asset allocation and use one ...
by lostdog
Wed Jul 05, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Should I still buy index funds now at such a high price before an impending recession?
Replies: 59
Views: 7792

Re: Should I still buy index funds now at such a high price before an impending recession?

I am looking forward to the next recession. What date will it hit bottom? Let me know, thanks...
by lostdog
Wed Jul 05, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 188
Views: 11241

Re: Seeking advice on 1.2m house purchase

So a lot of the silicon valley people have high networth but are house poor?
by lostdog
Wed Jul 05, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: "What I Learned From My 'Faux-tirement'"
Replies: 33
Views: 6766

Re: "What I Learned From My 'Faux-tirement'"

41 semi-retired and loving it. The part time sales job I have is self employed and I can set my own hours. I can make a sale or two and take the rest of the month off if I want. I enjoy biking and physical fitness in the morning, reading, video games, spending time with my wife and friends, travel e...
by lostdog
Wed Jul 05, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Beginner needs sanity check moving a lot of cash to market.
Replies: 58
Views: 4775

Re: Beginner needs sanity check moving a lot of cash to market.

In my opinion if you want to get to FI quicker is to pay off your debts and find a smaller home. A 400k house and no kids? Why do you need a big home for just the two of you? What kind of cars do you drive? I suggest reading Mr money mustache. Lifestyle choices play a huge roll in reaching FI. Maybe...
by lostdog
Tue Jul 04, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Best Playstation 4 Games for Beginners?
Replies: 29
Views: 2942

Re: Best Playstation 4 Games for Beginners?

John Madden Football is a good one.
by lostdog
Tue Jul 04, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Newest Boglehead Millionaire
Replies: 23
Views: 3944

Re: Newest Boglehead Millionair

Congratulations!!!
:sharebeer
by lostdog
Tue Jul 04, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Need help progressing in life after a massive setback
Replies: 31
Views: 5161

Re: Need help progressing in life after a massive setback

I had a massive setback in 2014 when I had a bad reaction to anasthesia. It messed up my nervous system temporarily and I got very sick. Some of the symptoms were mental since it involved the nervous system. During that time it was difficult to deal with the medical community because this was a unco...
by lostdog
Mon Jul 03, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: Does Vanguard gain anything from us investing more internationally?
Replies: 28
Views: 2403

Re: Does Vanguard gain anything from us investing more internationally?

No they don't gain anything. I chose Vanguard Total World Index fund. I let the world markets choose the allocation for me. I see you have some posts regarding international. I've been where you are. I decided for ultimate diversity and simplicity. Vanguard pretty much much sums it up: "Investo...
by lostdog
Mon Jul 03, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: BMO Bank Midwest
Replies: 10
Views: 840

Re: BMO Bank Midwest

Thanks for the replies thus far.
by lostdog
Sat Jul 01, 2017 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard recommended Retirement allocation too simple?
Replies: 70
Views: 6300

Re: Vanguard recommended Retirement allocation too simple?

Very nice and simple portfolio. You'll see comments about too much international. Ignore the noise in this thread regarding arguments about international and stay the course with your new simple portfolio. Congratulations on retirement.
by lostdog
Sat Jul 01, 2017 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Anyone else got all their eggs in only the Vanguard basket?
Replies: 41
Views: 3939

Re: Anyone else got all their eggs in only the Vanguard basket?

We have a checking account and the rest of our money is at Vanguard. We keep it simple with two institutions. We do not worry about our money at Vanguard. You will be fine holding your money at Vanguard. We would would worry if we had our money spread across a multitude of institutions. We value sim...

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