Search found 626 matches

by lostdog
Tue Nov 21, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 5665

Re: Drive it till it dies. It died.

Seems a bit too early to fail. Go talk with Toyota. Rock solid indestructible cars.
by lostdog
Mon Nov 20, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 12608

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Had I followed Dave's rules in my twenties we would have e a higher networth, period.
by lostdog
Mon Nov 20, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 12608

Re: Dave Ramsey says don't use credit cards, even if you pay them off

90% of Americans are going to be worse off with credit cards than not. His advice is catered to those 90%, which is fine. It's not a good look to crash on someone that is doing good work for an overwhelming majority of Americans AS COMPARED to their alternative, which is not the BH lifestyle, which...
by lostdog
Mon Nov 20, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 12608

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Please know that 7 out of 10 people in this country are leveraged to the max and live paycheck to paycheck. Bringing up the subject of personal finance to a group of friends while having a cold beer or get together is a no no. You'll get blank stares or someone will change the subject with a witty c...
by lostdog
Sun Nov 19, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Why I am not happy even with OK Net Asset
Replies: 38
Views: 3561

Re: Why I am not happy even with OK Net Asset

You probably need to evaluate what would bring you contentment. Are you comparing yourself to others? What kind of lifestyle do you have? Maybe take some time to ponder yourself for awhile.
by lostdog
Sat Nov 18, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: Holding VTSAX only
Replies: 46
Views: 4881

Re: Holding VTSAX only

Even better go 50/50 VTSAX/VTIAX and call it a day. Add Total Bond funds when you get older. Simple....
by lostdog
Thu Nov 16, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 329
Views: 34892

Re: Did you tell anyone you paid off your mortgage?

Before you consider talking to anyone outside of your spouse or kids about finances remember to most it's a taboo subject. 70% of Americans are living paycheck to pay check and leveraged to the max. Credit card debt levels are back to the highs of 2007. I am sorry but we're the minority. Keep it to ...
by lostdog
Wed Nov 15, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3055
Views: 902710

Re: What Movie Have You Recently Watched?

Blade Runner this afternoon. I agree with the 'way too long' comment, all scenes are drawn out and just last forever. Aside from that, I thought it was well done, the storyline did seem fairly coherent to me, and er, yeah, the bad guys were quite clearly identified (what is it with American movies ...
by lostdog
Wed Nov 15, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Opinion of Total Stock Market Index
Replies: 21
Views: 2298

Re: Opinion of Total Stock Market Index

I am by no means a expert but all the Choose FI blogs and podcasts are pushing this. It makes me want to do the same with my investments also since I am 38. I wish we had a crystal ball. Did you happen to read the book- The simple path to Wealth by JL Collins? I have yes. I agree with him on most t...
by lostdog
Mon Nov 13, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3236

Re: What's your weighted average expense ratio?

.06 I am trying to convince my friend with a larger portfolio than myself that fees matter. He is in denial. I am hoping he will see the light soon. His portfolio is underperforming due to excessive cash holdings. He quotes returns based on the 57% invested in stocks, ignoring the 43% in cash. I tr...
by lostdog
Sun Nov 12, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3236

Re: What's your weighted average expense ratio?

.07%

Vanguard Total Stock .04%
BlackRock U.S. Equity Index M .02%
Vanguard Total International .11%
by lostdog
Sat Nov 11, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6470

Re: Do you meditate?

The Power of Now by Eckhardt Tolle changed my life. Resist nothing.
by lostdog
Sat Nov 11, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 191
Views: 15567

Re: Why NOT make more money?

So why NOT make more money? The potential problem for me is: Why not make more money to fly in business class, to slow travel overseas in good hotels 6 months every year, to eat lobsters every week, and to buy a luxury car every three years? My answer would be money isn't everything and not everybo...
by lostdog
Fri Nov 10, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 329
Views: 34892

Re: Did you tell anyone you paid off your mortgage?

I think in our situation if we told our friends we paid off our mortgage we would get congratulated. We only shared with a few of them. Most of our friends only really talk about sports, binge drinking, getting fat, their kids and wearing a badge of honor in being busy working 60+ hours a week.
by lostdog
Thu Nov 09, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 4782

Re: What do you do to keep your mind sharp?

Exercise
Read
World of Warcraft my friends/guild
by lostdog
Thu Nov 09, 2017 8:54 am
Forum: Investing - Theory, News & General
Topic: The fear of retirement, black swan, and math to dissuade the fear.
Replies: 136
Views: 12710

Re: The fear of retirement, black swan, and math to dissuade the fear.

There are plenty of retirees who own their own home, live on SS and maybe have some money in CD's. You can adapt or Darwin is going to come along and slap you in the face. To me these extremely low SWR are absurd. 4% is perfectly fine and if, especially in the early years the market is really down ...
by lostdog
Tue Nov 07, 2017 9:22 am
Forum: Investing - Theory, News & General
Topic: "$1 Million is Closer Than You Think"
Replies: 54
Views: 9344

Re: "$1 Million is Closer Than You Think"

Remember that 70% of Americans live paycheck to paycheck and are in the red. 1 million dollars may seem silly to bogleheads but it's not to the average American.
by lostdog
Mon Nov 06, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Trying to keep it simple-your thoughts.
Replies: 4
Views: 678

Re: Trying to keep it simple-your thoughts.

Vanguard Total World Stock Index. One fund for your equities.
by lostdog
Mon Nov 06, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12871

Re: Why make more money?

denovo has posted good reasons, which are certainty worthy of consideration. I'm about 10 years away from retirement, but I've seen multiple colleagues retire and then start working again (even though they don't have to). They're bored and wanting to get back into the game. If I could summarize my ...
by lostdog
Mon Nov 06, 2017 9:11 am
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 36
Views: 3307

Re: U.S. & International Allocation

Total World is a great fund in theory, and if it became a core fund in TD and LS funds I assume that would justify lowering its expense ratio and adding cheaper admiral shares, which would further bolster its popularity (I, for one, would recommend it to everyone!). And yes, I do think it's the nat...
by lostdog
Sun Nov 05, 2017 12:54 pm
Forum: Investing - Theory, News & General
Topic: "Probably the World's Best Investment Forum"
Replies: 34
Views: 4728

Re: "Probably the World's Best Investment Forum"

I'm very grateful for this forum. Financial lessons and life lessons.
by lostdog
Sun Nov 05, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads philosophy invades the NFL
Replies: 7
Views: 962

Re: Bogleheads philosophy invades the NFL

ebrasmus21 wrote:
Sun Nov 05, 2017 12:43 pm
lostdog wrote:
Sun Nov 05, 2017 12:40 pm
I posted an article similar to this in the past and it got locked.
Why did it get locked?
Not actionable.
by lostdog
Sun Nov 05, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads philosophy invades the NFL
Replies: 7
Views: 962

Re: Bogleheads philosophy invades the NFL

I posted an article similar to this in the past and it got locked.
by lostdog
Sat Nov 04, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 36
Views: 3307

Re: U.S. & International Allocation

I need to find the video to prove this. In a Vanguard video the advisor did say their end result is market weight. The 40% was the number they came up with based on investor comfort. I agree that at some point they will slowly inch their way to market weight.
by lostdog
Sat Nov 04, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: Buffett "Key Indicator" near dangerous all-time high...
Replies: 73
Views: 8923

Re: Buffett "Key Indicator" near dangerous all-time high...

Being all in Vanguard Total World index I don't worry about an over valued U.S. stock market because I am not home bias. Diversification works and I sleep well at night.
by lostdog
Thu Nov 02, 2017 6:19 pm
Forum: Investing - Theory, News & General
Topic: the One investment to rule them all?
Replies: 25
Views: 3289

Re: the One investment to rule them all?

Vanguard Total World Index.
by lostdog
Thu Nov 02, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 2931

Re: Do you Mow your own Lawn?

Mow our own lawn. Push mower.
by lostdog
Wed Nov 01, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: I'm fairly young but done with saving money
Replies: 75
Views: 9411

Re: I'm fairly young but done with saving money

Have your wife get a job...take some of the stress off of you. +1, also find a way to reduce your living expenses and bit and you're set. It's all about lifestyle. You don't need to keep up with the jonses. They look good but most of them are broke. Once you hit financial independence, you have cho...
by lostdog
Wed Nov 01, 2017 8:25 am
Forum: Investing - Theory, News & General
Topic: Global Market Portfolio as a single ETF?
Replies: 28
Views: 1726

Re: Global Market Portfolio as a single ETF?

RNJ wrote:
Tue Oct 31, 2017 1:51 pm
50% VT
25% BND
25% BNDX

Not a perfect match, but not too shabby.
+1. Maybe someday Vanguard will come out with a total world bond index?
by lostdog
Tue Oct 31, 2017 8:39 am
Forum: Investing - Theory, News & General
Topic: 2-fund vs. 3-fund
Replies: 26
Views: 2517

Re: 2-fund vs. 3-fund

Fclevz wrote:
Mon Oct 30, 2017 5:36 pm
From the title, I thought the 2-fund portfolio would be Total World Stock and Total Bond :D
:sharebeer

When Total World Index becomes admiral shares I guarantee it will become more popular. Hopefully we get Total World Bond Index someday.
by lostdog
Tue Oct 31, 2017 8:08 am
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 8852

Re: My 401k is almost all cash now. 1/2 Mil

Time in the market is better than timing the market. What if this bull lasts another ten years?
by lostdog
Mon Oct 30, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Is International Stock Index Safer?
Replies: 14
Views: 967

Re: Is International Stock Index Safer?

All those doom and gloom articles are just noise and click bait.
by lostdog
Mon Oct 30, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 8958

Re: we bought a house - are we housepoor now?

Credit card and car debt is back at 2007 levels. Could we be returning to the house poor levels again? Are we heading down that same path? OP, I am guessing the best thing you can do now is to throw as much income as possible at your mortgage debt. If you have a hint of a job loss on the horizon, re...
by lostdog
Mon Oct 30, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 8958

Re: we bought a house - are we housepoor now?

In my opinion if the OP loses his job he is screwed. Bye bye house. I think this is what Klangfool is basically saying.
by lostdog
Sun Oct 29, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 8958

Re: we bought a house - are we housepoor now?

Your house purchase is based on assumption that your employment will continue and do well for a fair amount of time. It did not turn out that way for many of my peers. I wish you best of luck. KlangFool If you were in my shoes, how much house would you buy? Let me guess .... I think he or she would...
by lostdog
Sat Oct 28, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18599

Re: Early-retired 35 year old with $1 million

Semi-retire or find something you really enjoy doing and get paid for it. You don't have to fully retire but you have the freedom to do something you really enjoy and get paid for it. Most people don't have these options or freedom. Most people in this country are slaves to debt, their employer and ...
by lostdog
Fri Oct 27, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: My fear about buying a house justified?
Replies: 72
Views: 6120

Re: My fear about buying a house justified?

We have no kids and bought a house back in 2003. It's paid off. If I could go back in time we would not have bought a house. We're selling our house next Spring and putting our money in more productive assets.

I suggest renting. Keep things simple. Keep your peace of mind.
by lostdog
Thu Oct 26, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: All in VANGUARD is that ok??
Replies: 64
Views: 8611

Re: All in VANGUARD is that ok??

We have a checking account at our local credit union and our savings and investments at Vanguard. We sleep well at night.
by lostdog
Thu Oct 26, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Financial Critical Mass
Replies: 13
Views: 2240

Re: Financial Critical Mass

I recall listening to Bob Brinker many many years ago and remembered him speaking about the "Land Of Critical Mass" when it comes to finances.So true. The exact quote Critical Mass: "A state of freedom from worry and anxiety about money due to the accumulation of assets which make it possible to li...
by lostdog
Thu Oct 26, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 466
Views: 40223

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

https://www.forbes.com/sites/davidmarotta/2017/10/19/td-ameritrade-eliminated-low-cost-commission-free-exchange-traded-funds/#170c69837b63 "In other words, TD Ameritrade is now enforcing a pay-to-play for their so-called commission-free exchange-traded funds. They are willing to forego their $6.95 t...
by lostdog
Wed Oct 25, 2017 6:44 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1876
Views: 1157839

Re: The Three-Fund Portfolio

Thanks for the info TD2626. Some comments on what you said. This is a three-fund portfolio, but it is not The Three Fund Portfolio as discussed in this thread. I do feel like your three-fund proposal would be reasonable for an investor tolerant of the currency and political risk that comes with a h...
by lostdog
Sat Oct 21, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7262

Re: What are you driving? And would you buy your current ride again?

2011 Toyota Corolla. About 40k miles on it. I will try to make it 20 years and buy another Corolla in the year 2031.
by lostdog
Fri Oct 20, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5670

Re: Is a crash coming soon?

These posts are popping up a lot more recently.
by lostdog
Fri Oct 20, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Finally a win for teachers!! [403(b) modified to add funds]
Replies: 33
Views: 2887

Re: Finally a win for teachers!!

That is great story. I know FL teachers retirement benefits have been somewhat under attack in recent years. At least now if you have to save for retirement on your own you have some good choices. And YOU made that happen. The fact that nobody really cared just shows how financially illiterate most...
by lostdog
Thu Oct 19, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5670

Re: Is a crash coming soon?

Time in the market is better than timing the market.
by lostdog
Wed Oct 18, 2017 8:21 am
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 5039

Re: The overselling of international diversification

I side with Vanguard. Vanguard Total World Index Fund. The most bogleheadish fund in existence.
by lostdog
Tue Oct 17, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 54
Views: 4464

Re: Amazon Prime - Decline in Delivery Service?

We cancelled Amazon Prime and decided to use Walmart.com. They have free 2 day delivery with no yearly fee. Walmart is working extra extra hard to compete with Amazon. We also love the fact that we can pick up orders at the brick and mortar store if need be.