Search found 550 matches

by lostdog
Mon Sep 25, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 134
Views: 9217

Re: Lifestyle Creep

A luxury car. An Infiniti G37x coupe. It was a mistake and I learned my lesson. Never again. I sold it and bought a used 2011 Toyota Corolla. Why the regret? Did you have problems? Purchased a G37s Coupe 2 years ago, and despite depreciation have been relatively happy. Cost of ownership and the win...
by lostdog
Mon Sep 25, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 134
Views: 9217

Re: Lifestyle Creep

Well at 64 this worked for me- Own one house 37 years Had the best job for me-worked for fed-ex and coached cross country and track 23 years still going at a local Hs Married once 38 years I tell everyone married ugly they will never leave you. Most say I see your wife followed your advice haha It ...
by lostdog
Mon Sep 25, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 134
Views: 9217

Re: Lifestyle Creep

A luxury car. An Infiniti G37x coupe. It was a mistake and I learned my lesson. Never again. I sold it and bought a used 2011 Toyota Corolla.
by lostdog
Mon Sep 25, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing into U.S.Stocks
Replies: 27
Views: 1955

Re: Rebalancing into U.S.Stocks

Or just go with market cap weight and move on. Total World Index.
by lostdog
Sun Sep 24, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: "My Favorite Mutual Fund"
Replies: 14
Views: 1729

Re: "If I could own only one mutual fund or ETF it would be a low-cost Total U.S. Market Index Fund."

"If I could own only one mutual fund or ETF it would be a low-cost Total U.S. Market Index Fund." Reasons #4 and #5 are a little incorrect for me: if I had to choose I would go with Vanguard Total World Stock Index Fund (VTWSX / ETF: VT). #4: No Tracking Error No tracking error relative to what ? C...
by lostdog
Sat Sep 23, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 72
Views: 5818

Re: Help?! My 70 year old father is 100% invested in equities

Let him be. If you make changes for him and something happens, he'll blame you.
by lostdog
Thu Sep 21, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 204
Views: 19001

Re: I won the Lottery. Need sound advice.

123 wrote:
Thu Sep 21, 2017 12:56 am
A million dollars really doesn't really go very far these days.
Actually it does. It depends on your lifestyle.
by lostdog
Wed Sep 20, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 23641

Re: Calling out the not so rich bogleheads

Iliketoridemybike wrote:
Wed Sep 20, 2017 12:31 pm
Rich is having options. I know a lot people who have no choice.
+1
by lostdog
Tue Sep 19, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 23641

Re: Calling out the not so rich bogleheads

My wife is 39 and I am 42. Our investible assets are about $450,000. Our house is worth around $190,000. We are your average middle class couple with no kids by choice. We're selling the house next Spring. We want to go back to the college life except we're not poor this time. We'll enjoy our bikes ...
by lostdog
Tue Sep 19, 2017 7:03 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 79
Views: 4356

Re: Bogleheads you would most like to meet and why?

Toons. Short and simple answers that go a long way.
by lostdog
Mon Sep 18, 2017 7:01 am
Forum: Investing - Theory, News & General
Topic: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"
Replies: 33
Views: 4853

Re: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"

Time in the market is better than timing the market. Keep investing in good times and in bad times.
by lostdog
Sun Sep 17, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 68
Views: 5297

Re: What is FI if you love your job?

FI gives you choices. If you love your job, great. If it all of a sudden sucks and you get a bad boss, you can give them the middle finger and leave. Well in reality you would find something else and put in your two weeks. ;)
by lostdog
Sat Sep 16, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2956
Views: 866207

Re: What Movie Have You Recently Watched?

Blade Runner from 1982. I am looking forward to the sequel in early October. Blade Runner 2045.
by lostdog
Fri Sep 15, 2017 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 636
Views: 38312

Re: Equifax customer information leak

I got this email from Credit Karma this morning. A free credit monitoring service with a nice app for your phone You'll get an alert via email and from the phone app if anything changes on your report. "You might have heard about the recent Equifax data breach, which affects about 143 million people...
by lostdog
Thu Sep 14, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Milestone Reached - "Quarter Millionaire!"
Replies: 41
Views: 4624

Re: Milestone Reached - "Quarter Millionaire!"

Congratulations! $500k will happen happen before you know it. Stay the course through thick and thin.
:sharebeer
by lostdog
Tue Sep 12, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 23408

Re: Name something you had to have and now you regret purchasing it?

Our house. Going to sell in the Spring. We enjoyed living like college students more except this time around we're not broke. :sharebeer
by lostdog
Tue Sep 12, 2017 7:32 am
Forum: Investing - Theory, News & General
Topic: What If U.S. Stocks Stay Expensive For Years?
Replies: 50
Views: 6902

Re: What If U.S. Stocks Stay Expensive For Years?

alex_686 wrote:
Mon Sep 11, 2017 11:18 am
lostdog wrote:
Mon Sep 11, 2017 11:15 am
Not worried. Total World Stock Index for life.
That too is running at high multiples. I can't think of an asset class that is not near its high intrinsic valuation. So save more or chase risky yield.
Saving more sounds better. :sharebeer
by lostdog
Mon Sep 11, 2017 11:15 am
Forum: Investing - Theory, News & General
Topic: What If U.S. Stocks Stay Expensive For Years?
Replies: 50
Views: 6902

Re: What If U.S. Stocks Stay Expensive For Years?

Not worried. Total World Stock Index for life.
by lostdog
Sun Sep 10, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Instead of a credit freeze, I want to receive a phone call before credit is opened in my name.
Replies: 26
Views: 2636

Re: Instead of a credit freeze, I want to receive a phone call before credit is opened in my name.

Credit Karma will alert you also. They have an app you can I stall on your phone. Great idea if you want to get an alert on your phone.
by lostdog
Sat Sep 09, 2017 8:33 pm
Forum: Investing - Theory, News & General
Topic: "Fear of Finance?" AARP interview with Jack Bogle
Replies: 37
Views: 5219

Re: "Fear of Finance?" AARP interview with Jack Bogle

Mr. Bogle is getting feisty; I like it. "What are you buying in non-US-stocks?" said Mr. Bogle. "The largest country in EAFE is Britain; the second-highest, Japan; and the third is that soul of hard work, France. I can't see that I'd make more money in Britain, with Brexit; or Japan, a very structu...
by lostdog
Sat Sep 09, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Index Distribution Question
Replies: 4
Views: 427

Re: Vanguard Total World Index Distribution Question

I would guess that a lot of foreign stocks do not pay dividends quarterly, as is the US practice. If a foreign stock pays dividends every four months, it will pay no dividend in the first quarter. If it pays every six months, it will pay only in the second and fourth quarters. If it pays every two ...
by lostdog
Sat Sep 09, 2017 1:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Index Distribution Question
Replies: 4
Views: 427

Vanguard Total World Index Distribution Question

Why is the 1st quarter distribution much lower compared to other quarters? Dividend $0.18400 06/26/2017 Dividend $0.09600 03/27/2017 Dividend $0.17900 12/16/2016 Dividend $0.12300 09/09/2016 Dividend $0.18200 06/10/2016 Dividend $0.08500 03/11/2016 https://personal.vanguard.com/us/funds/snapshot?Fun...
by lostdog
Fri Sep 08, 2017 6:46 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 350
Views: 38852

Re: Flaunt Your High-Mileage Car

The opposite here. I bought a 2011 Toyota Corolla in 2014 that had only 10k miles on it. The previous owner was an elderly lady that leased it. She barely drove it. Now it has only 36,000 miles on it and it's 7 years old. I'll be putting more miles on it because we bought a class 1 hitch for a bike ...
by lostdog
Thu Sep 07, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Vacation after minor hurricane?
Replies: 25
Views: 1912

Re: Vacation after minor hurricane?

We were ready to drive down to Clearwater Beach for vacation but we changed plans due to the hurricane. We were advised to stay away. We decided to go fishing, biking and kayaking in northern Wisconsin.
by lostdog
Thu Sep 07, 2017 8:44 am
Forum: Investing - Help with Personal Investments
Topic: One Year Later: Hmm...how would you tweak this portfolio? Can I consider early retirement?
Replies: 35
Views: 5053

Re: One Year Later: Hmm...how would you tweak this portfolio? Can I consider early retirement?

You could semi-retire but I would sell the house and down size. The difference from the house sale can be added to your portfolio. Take a part time job you enjoy.
by lostdog
Tue Sep 05, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Looking at shares rather than dollars?
Replies: 10
Views: 1193

Re: Looking at shares rather than dollars?

Can psychologically help people stay the course and keep investing, especially in a bear market. It can be hard for people to see money going in and the value going down... but focusing on the number of shares... well then you can be more motivated to buy more when it's crashing. I agree with this....
by lostdog
Tue Sep 05, 2017 2:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3951
Views: 1039368

Re: U.S. stocks in freefall

Awesome dip today. My mother gifted us some cash this weekend to put in our portfolio. Perfect timing.
by lostdog
Tue Sep 05, 2017 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Invest in U.S. ETFs Now?
Replies: 25
Views: 2069

Re: Invest in U.S. ETFs Now?

Time in the market is better than timing the market.
by lostdog
Mon Sep 04, 2017 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Where To Park Your Emergency Fund At Vanguard?
Replies: 17
Views: 4027

Re: Where To Park Your Emergency Fund At Vanguard?

We have it in the short term corporate bond index. The yield is 2% which is on part with inflation.
by lostdog
Sun Sep 03, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Best Retail banks - switching from Chase
Replies: 23
Views: 2111

Re: Best Retail banks - switching from Chase

Your local credit union.
by lostdog
Sun Sep 03, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: The Death of Buy and Hold
Replies: 31
Views: 5709

Re: The Death of Buy and Hold

The title of the book could be compared to click bait internet article titles.
by lostdog
Sun Sep 03, 2017 8:45 am
Forum: Investing - Theory, News & General
Topic: OSWAN: Optimum Sleep Well At Night retirement plan
Replies: 37
Views: 3176

Re: OSWAN: Optimum Sleep Well At Night retirement plan

OR think of it this way. Once you hit FI you'll have freedom from employers and debt. You can still work part time or full time. It just means you have options to do what you enjoy. You're no longer tethered to an employer.
by lostdog
Sat Sep 02, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2956
Views: 866207

Re: What Movie Have You Recently Watched?

Narcos season 3 on Netflix. Amazing...
by lostdog
Sat Sep 02, 2017 8:09 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1462
Views: 260394

Re: What are you up YTD? [Year To Date]

That is interesting total world lagged your two funds. It makes sense when you put it into the perspective that my IRA are usually lump sum investments annually and or the occasional rollover. My brokerage gets DCA'd whenever spare money becomes available, usually on a weekly to monthly basis. :bee...
by lostdog
Sat Sep 02, 2017 7:28 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1462
Views: 260394

Re: What are you up YTD? [Year To Date]

IRA: Fidelity Total Market Index Fund Premium Class (FSTVX) - 50% Fidelity Total International Index Fund - Premium Class (FTIPX) - 50% YTD: 14.67% Brokerage: Vanguard Total World Stock Index (VTWSX) - 100% YTD: 8.23% YTD Return overall: 11.21% That is interesting total world lagged your two funds.
by lostdog
Sat Sep 02, 2017 6:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Stan died [Long time forum lurker]
Replies: 38
Views: 6089

Re: Stan died [Long time forum lurker]

RIP Stan. Thank you for your service.
by lostdog
Sat Sep 02, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: ETF vs Index mutual fund for taxable account
Replies: 11
Views: 933

Re: ETF vs Index mutual fund for taxable account

You mention upgrading from investor shares to admiral shares. Just so you know there will be no action needed from you. Once you get over 10k Vanguard will upgrade the fund for you.
by lostdog
Fri Sep 01, 2017 7:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3951
Views: 1039368

Re: U.S. stocks in freefall

I have a habit of contributing a small amount on small down days. On large down days I contribute as much as I can. I know, timing the market but it's a good habit. I do this with the taxable account when the Roth's are maxed for the year.. The Roth accounts are on auto ach pull from the checking ac...
by lostdog
Fri Sep 01, 2017 7:24 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3951
Views: 1039368

Re: U.S. stocks in freefall

If you can't lose, than how can you gain? What is your net-worth? Just the cash in your bank account? I'd rather lose $100K in a market fluctuation than in a robbery, as my odds of getting it back are much higher, but how can you possibly not consider it a real, material loss? Because historically ...
by lostdog
Tue Aug 29, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 139
Views: 21897

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

I pulled up at a restaurant to have lunch with some old colleagues for dinner from an old company I used to work for. One of them saw me getting out of my Toyota and said "gee - with your title of xxxx over at company-yyyy I thought you'd be driving a Mercedes or something." I just said "I'm going ...
by lostdog
Sat Aug 26, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 89
Views: 5767

Re: Why do we consider cash flow from rentals but not our own homes?

Gotcha. That makes total sense. Thanks for your input.
by lostdog
Sat Aug 26, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 89
Views: 5767

Re: Why do we consider cash flow from rentals but not our own homes?

Could you do better long term by investing that money and paying rent? Possibly. It is entirely possible your home is a low returning asset. It is also possible it is an extremely high returning asset. It is going to act like any other non-diversified investment and have tons of non-systematic risk...
by lostdog
Fri Aug 25, 2017 4:42 pm
Forum: Investing - Theory, News & General
Topic: John Bogle video (discusses international)
Replies: 44
Views: 3896

Re: John Bogle video (discusses international)

Da5id wrote:
Fri Aug 25, 2017 7:12 am
Modified investing wisdom:

Buy the haystack, not the needle Buy half the haystack
Nobody knows nuthin Nobody knows nuthin except that USA stocks are mispriced compared to the global market
Diversification is the only free lunch TANSTAFL
I thought the same thing when I saw his quotes.
by lostdog
Fri Aug 25, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 89
Views: 5767

Re: Why do we consider cash flow from rentals but not our own homes?

Am I missing something? No you are absolutely correct. Your home is part of your portfolio as a non-diversified real estate holding paying a return to you of the rent equivalent minus upkeep expenses & taxes, ... Your mortgage is a short bond position and is also part of your portfolio. Could you d...
by lostdog
Fri Aug 25, 2017 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 89
Views: 5767

Re: Why do we consider cash flow from rentals but not our own homes?

Am I missing something? No you are absolutely correct. Your home is part of your portfolio as a non-diversified real estate holding paying a return to you of the rent equivalent minus upkeep expenses & taxes, ... Your mortgage is a short bond position and is also part of your portfolio. Could you d...
by lostdog
Wed Aug 23, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: When have you achieved financial independence?
Replies: 27
Views: 4226

Re: When have you achieved financial independence?

How to make Scenario A work, assume 5% return. Some rounding for ease of explanation. Year 1 Start a Roth ladder, move $24k. First 10k is tax free, 10k at 10%, 4k at 15%. $1600 taxes by year 2 Withdraw $2k/ month from Taxable, average balance for the year is $88k, earns $4400. Beginning of year 2 s...
by lostdog
Wed Aug 23, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Are US S&P 500 Index funds speculative investments?
Replies: 63
Views: 4342

Re: Are US S&P 500 Index funds speculative investments?

Just investing in the S&P500 is speculative including home country bias.
by lostdog
Tue Aug 22, 2017 7:58 am
Forum: Investing - Theory, News & General
Topic: Total World (VT, VTWSX) Tilt? Simplicity...
Replies: 32
Views: 3415

Re: Total World (VT, VTWSX) Tilt? Simplicity...

We hold Vanguard Total World Index for simplicity. It is true that your savings rate is the most important. Combined, this is a good and simple plan. If you decide to go with this fund, stay the course and go live your life. Look at it once a year. Add Total Bond fund when your goals change. Can lon...
by lostdog
Fri Aug 18, 2017 4:39 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 213
Views: 37735

Re: How much international stock? A suggestion.

My decision was 0% International. Two years later, I am wondering 'why I am so smart'? I look and see its up..now I'm thinking I would be smart to get international in general but not now.... Market timing is hard. :oops: Consternation. And this is what tilting results in. Even on those years when ...