Search found 385 matches

by lostdog
Sun May 28, 2017 12:18 pm
Forum: Investing - Theory, News & General
Topic: How many investment companies to have money in?
Replies: 35
Views: 2290

Re: How many investment companies to have money in?

Vanguard and a Credit Union. Both are owned by members.
by lostdog
Sun May 28, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Should I go into a target date fund, or separate index funds?
Replies: 19
Views: 706

Re: Should I go into a target date fund, or separate index funds?

An easier approach is going with Vanguard Total World Stock Index and Vanguard Total Bond Market Index. A nice simple two fund portfolio. Just a tiny bit more expensive but I'll take simplicity over the added expense. Oh and I forgot to mention that I don't have to tinker with the domestic and US al...
by lostdog
Wed May 24, 2017 6:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 105
Views: 12206

Re: Roll Call for the Retirement Class of 2017!

Does semi-retirement count? :happy

I am officially done with the rate race.
by lostdog
Mon May 22, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX need advice [Vanguard Total Stock Market]
Replies: 65
Views: 6749

Re: 100% VTSAX need advice

I like jcollin's book. If you like the simplicity of his advice but want to me more diversified in equities go with Vanguard Total World Index and Vanguard Total Bond Index. In my opinion 10 to 20 Percent in bonds would be prudent.
by lostdog
Thu May 18, 2017 7:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 906671

Re: U.S. stocks in freefall

I was doing chores and riding my bike yesterday and didn't know until I saw this thread. Staying the course.
by lostdog
Mon May 15, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: JL Collins Stock Series Podcast - Perplexing Suggestion
Replies: 6
Views: 913

Re: JL Collins Stock Series Podcast - Perplexing Suggestion

I read his book and stock series. He is all about domestic and no international.
by lostdog
Sun May 14, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 8310

Re: Home Country Bias...makes sense?

Vanguard holds 40% international in their life strategy and target date funds. I am guessing at some point it will be up to 50%.
by lostdog
Sun May 14, 2017 8:42 am
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 8310

Re: Home Country Bias...makes sense?

Is home country bias basically speculation?
by lostdog
Sat May 13, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 82
Views: 12082

Re: Regret early retirement/downsizing

I semi-retired at 41 and don't regret it at all. Done with the rat race.
by lostdog
Sat May 13, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: 100% Total International (0% US equity) for new investor?
Replies: 36
Views: 2389

Re: 100% Total International (0% US equity) for new investor?

Or go with Vanguard Total World Index and stay the course. Simple...
by lostdog
Sat May 13, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 8310

Re: Home Country Bias...makes sense?

My goal was to simplify with Vanguard Total World Index and Vanguard Total Bond Index. I don't know what the future holds and the total world funds stops me from tinkering with the international allocation. There are so many opinions on here about international and this fund helps we tune out the no...
by lostdog
Fri May 12, 2017 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Planning impact your job performance?
Replies: 68
Views: 6935

Re: Does Retirement Planning impact your job performance?

I got sick had to leave my old job. I am 100% better now and semi-retired. If this didn't happen to me I would still be a prisoner to the rate race when I didn't need to be. When you have enough get out and semi-retire to something you enjoy. It's hard to leave the corporate lifestyle behind when yo...
by lostdog
Thu May 11, 2017 6:36 am
Forum: Personal Finance (Not Investing)
Topic: any concern about keeping large amount of cash at Vanguard
Replies: 24
Views: 2877

Re: any concern about keeping large amount of cash at Vanguard

Grt2bOutdoors wrote:No, pick a federal money market account and don't worry about it.


+1
by lostdog
Tue May 09, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Young professional planning for early semi-retirement
Replies: 34
Views: 3993

Re: Young professional planning for early semi-retirement

livesoft wrote:Oh, one more thing: Try to marry someone with a good job that likes to work, so you don't have to.


That's what I did. I semi-retired at 41. Done with the rat race. She likes her job and has good insurance. If things change for the worse I can go back full time.
by lostdog
Tue May 09, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to get out of Variable Universal Life Insurance (8 months in)
Replies: 19
Views: 777

Re: How to get out of Variable Universal Life Insurance (8 months in)

Thanks for all of the responses. I looked him up on Broker Check, and he is Series 7 and 66 licensed, and told me over the phone that he was acting in a fiduciary capacity (I suppose anyone can say that!) Anyway, although it's annoying to lose some money, I'm glad I'm realizing this now rather than...
by lostdog
Tue May 09, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Solid justification for including all stocks & NO bonds?
Replies: 143
Views: 6065

Re: Solid justification for including all stocks & NO bonds?

Frank, Here is the Vanguard asset allocation questionnaire. Do the questionnaire every year and set your allocation accordingly. https://personal.vanguard.com/us/FundsInvQuestionnaire My wife is 39 and I am 41. We're 100% stocks based on the questionnaire. High risk, high reward. If you really thin...
by lostdog
Mon May 08, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Solid justification for including all stocks & NO bonds?
Replies: 143
Views: 6065

Re: Solid justification for including all stocks & NO bonds?

Frank, Here is the Vanguard asset allocation questionnaire. Do the questionnaire every year and set your allocation accordingly. https://personal.vanguard.com/us/FundsInvQuestionnaire My wife is 39 and I am 41. We're 100% stocks based on the questionnaire. High risk, high reward. If you really think...
by lostdog
Sat May 06, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 38
Views: 3068

Re: Best vacuum cleaner for pet hair?

Rainbow. They've been around for 80 years.

http://rainbowsystem.com
by lostdog
Tue Apr 25, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: One Fund? Really?
Replies: 49
Views: 5508

Re: One Fund? Really?

If you have a taxable account that will be part of your portfolio I would go with your 3 fund portfolio. It makes things much more simple. If a taxable account is not in the picture either or will work. If you value simplicity more than the .07% or .08% saved then go with the one fund portfolio and ...
by lostdog
Mon Apr 24, 2017 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 19799

Re: Any regrets living a frugal life for high income/high networth individuals?

No regrets. In fact we're getting rid of "stuff" that provides no value . We'll eventually sell our house and add that money to our freedom portfolio. We're debt free including mortgage. No kids. Frugal. I am semi retired at 41. She is working full time and likes her job. We're going on va...
by lostdog
Fri Apr 21, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Grow my taxable index fund, or contribute to a non-matching 403b?
Replies: 37
Views: 2613

Re: Grow my taxable index fund, or contribute to a non-matching 403b?

I suggest contributing as much as you can to your 403b. It offers some very diversified index funds with very low expense ratios, such as: Fidelity Total Market Index Fund Premium Class (FSTVX), ER 0.045%; Fidelity Total International Index Fund Premium Class (FTIPX), ER 0.11%; and Fidelity U.S. Bo...
by lostdog
Fri Apr 21, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Allocation
Replies: 8
Views: 1232

Re: Retirement Allocation

and they advised us to allocate our funds 10%cash; 35% US Govt/Corp Bonds; 35%US Large Cap Stocks; 10%US Small Cap Stocks and Real Estate; and 10% Int'l Stocks. (about $800,000.00). Assuming this is a tax-sheltered account, using the above percentages you could have: Rollover IRA at Vanguard -- 100...
by lostdog
Fri Apr 21, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Reached 50% of my "number" today
Replies: 20
Views: 4268

Re: Reached 50% of my "number" today

:sharebeer

Congratulations!
by lostdog
Fri Apr 21, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 3667

Re: Car Choices

Camry and Corolla. The best for quality and reliability hands down.
by lostdog
Fri Apr 21, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 12757

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

If you want out of the corporate culture asap live well below your means and save/invest as much income as possible. It worked for me.

If you want out but don't see any light at the end of the tunnel, change your lifestyle.
by lostdog
Fri Apr 21, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Schwab Target Index Funds Investor Shares drop (.08%)
Replies: 21
Views: 1872

Re: Schwab Target Index Funds Investor Shares drop (.08%)

Is schwab owned by it's investors? How do they make up for these low costs?
by lostdog
Fri Apr 21, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 12757

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

I am so glad I am done with corporate culture. Never going back unless I absolutely have to.
by lostdog
Thu Apr 20, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 12757

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

I worked in IT for 20 years. Almost the exact same situation as you. I had a bad boss for 5 years and I kept my mouth shut. She eventually was replaced. There will always be people you don't like in a corporate environment. You just have to pucker up and kiss their butt. I got sick and now recovered...
by lostdog
Mon Apr 17, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: Article-Argument against Buffet and Bogle's International Advice
Replies: 36
Views: 4224

Article-Argument against Buffet and Bogle's International Advice

Here is an article that is against Bogle and Buffet's international advice. The one piece of investing advice from Bogle and Buffett you may want to reject http://www.cnbc.com/2017/04/17/a-stubborn-investing-rule-shared-by-jack-bogle-and-warren-buffett.html "To my mind, saying 'I get exposure o...
by lostdog
Sat Apr 15, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Yet another Vanguard study on DCA vs Lump Sum
Replies: 55
Views: 3279

Re: Yet another Vanguard study on DCA vs Lump Sum

So basically the extra cash we have for the month I'll have it sit until I use it to max out our Roth accounts on Jan 1st? My current plan is the extra money we have for the month will go towards the Roth accounts until maxed. When Roth's are both maxed we then put the extra money into the total mar...
by lostdog
Sat Apr 15, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Yet another Vanguard study on DCA vs Lump Sum
Replies: 55
Views: 3279

Re: Yet another Vanguard study on DCA vs Lump Sum

I wish we could lump sum. I'll take DCA which is the second best. I think most people can only DCA anyway. Yes, you are right. Most people are able to invest a regular amount of money at a regular interval. That is a very good plan. But, you can lump sum. Save up all your potential investments for ...
by lostdog
Sat Apr 15, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Where to park Emergency Fund?
Replies: 32
Views: 2939

Re: Where to park Emergency Fund?

Vanguard Prime Money Market Fund
by lostdog
Sat Apr 15, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Yet another Vanguard study on DCA vs Lump Sum
Replies: 55
Views: 3279

Re: Yet another Vanguard study on DCA vs Lump Sum

I wish we could lump sum. I'll take DCA which is the second best. I think most people can only DCA anyway.
by lostdog
Sun Apr 09, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 298
Views: 28802

Re: Quicken's future direction - a cause for concern

I have Quicken 2015 just to track my checking account. I track all my investments on Vanguard's site and manually add my 401k investments on the outside investments section of the Vanguard site. Once I lose the downloading capabilities in Quicken I'll just switch to manual until the program breaks o...
by lostdog
Sun Apr 09, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds for emergency cash
Replies: 14
Views: 1955

Re: Vanguard funds for emergency cash

Vanguard Prime Money Market.
by lostdog
Sat Apr 08, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2692
Views: 737315

Re: What Movie Have You Recently Watched?

"13 reasons why" on Netflix.
by lostdog
Sat Apr 08, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Balancing saving, investing, and living?
Replies: 23
Views: 2527

Re: Balancing saving, investing, and living?

As for retirement, I worry about only having a net worth of $500k at 43 years old. Yes, I'm currently contributing $18k to the 401k and $6k to the taxable account, but it feels like it won't be nearly enough. If it is any consolation you are doing better than 90% of people. In twenty years you are ...
by lostdog
Sat Apr 08, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 3340

Re: Anyone else own balanced index fund? [vbinx]

The other cool thing about this fund is that it does not distribute capital gains. If you're in the 15% or 25% tax bracket and want to mirror your allocation across your Vanguard accounts including taxable it makes things super simple. If you have no interest in tax lost harvesting, will hold for li...
by lostdog
Sun Apr 02, 2017 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 7290

Re: Is anyone decreasing % of bonds this year?

Not touching anything. Staying the course. Vanguard Life Strategy Growth at the moment. She is 39 and I am 41. When we've won the game we'll move to Life Strategy Moderate Growth or Conservative Growth.
by lostdog
Thu Mar 30, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund In Retirement?
Replies: 20
Views: 2818

Re: Vanguard Balanced Index Fund In Retirement?

I come out and admit that alot of times I get hit with analysis paralysis when I come here. Especially the domestic and international argument and asset allocation. How do I know which is better and I actually thought I did but I was constantly talking myself into it. We decided to go with Life Stra...
by lostdog
Thu Mar 30, 2017 4:58 pm
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 61
Views: 9208

Re: Do you use lifestrategy/ asset allocation funds?

I come out and admit that alot of times I get hit with analysis paralysis when I come here. Especially the domestic and international argument. How do I know which is better and I actually thought I did but I was constantly talking myself into it. We decided to go with Life Strategy Growth and be do...
by lostdog
Wed Mar 29, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help for a beginner opening a ROTH at Vanguard
Replies: 16
Views: 1089

Re: Help for a beginner opening a ROTH at Vanguard

Check out the Vanguard Life Strategy funds also. An example would be to hold the Life Strategy Growth fund during your accumulation phase. When you're close to retirement you could change to any of the three other life cycle funds.
by lostdog
Wed Mar 29, 2017 8:03 am
Forum: Investing - Theory, News & General
Topic: Stay the course, always?
Replies: 55
Views: 4480

Re: Stay the course, always?

You could go Vangaurd Life Strategy Moderate Growth,,or Vanguard Balanced Index Fund,,, For Life . Never give it another moments thought. :happy Toons is right. If you're young or can handle more risk go with Life Strategy Growth and when you retire move to Life Strategy Moderate Growth or Conserva...
by lostdog
Wed Mar 29, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 11958

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

I think toons said it best and just be kind. My brother in law is a annuity salesman. I could easily call him a crook but I don't. We get along very well during the family holiday get togethers. He has luxury cars and lives in a 700k home. I know full well how he gets that money. I just decided it's...
by lostdog
Tue Mar 21, 2017 7:36 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 10091

Re: Anyone else taking less risk

100% VTSAX and VINIX. When we hit the goal of $1,500,000 we will change to 80/20. When we hit $2,500,000 we'll change to 60/40. I will use Total Bond for the bond portion. This is goal based and very easy for us to follow this plan. This keeps us from making market timing decisions.
by lostdog
Sat Mar 18, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Advice on bulk investment in S&P 500 for retirement savings growth?
Replies: 13
Views: 937

Re: Advice on bulk investment in S&P 500 for retirement savings growth?

Just buy it now or dollar cost average over six months. Don't try to time the market because you'll lose. Follow your plan of investing $2000 a month and move on . Set automatic investing from the website and move in with your life. Look at the account maybe once a year. Really simple. They key is n...
by lostdog
Mon Mar 13, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2692
Views: 737315

Re: What Movie Have You Recently Watched?

Prometheus. I am a huge Alien and Aliens fan. I am looking forward to Alien:Covenant in May.

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