Search found 376 matches

by reriodan
Sat Oct 07, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 10540

Re: Third time in my 32 year career I have been laid off

I would have retired 5 years if I were you.
by reriodan
Fri Oct 06, 2017 5:41 pm
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 16344

Re: Bogle himself is saying we will expect like 3% for the next decades

Hmm... 3%, pretty solid I will take it! On the other hand, it's not as good as the 12% I would be guaranteed with Dave Ramsey.... :D
by reriodan
Wed Oct 04, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2166

Re: On the video games path - how to set it up with younger kids

If you want to get more family friendly stuff, go with Nintendo. As another mentioned, a big issue can be voice chat on multiplayer games, though I would bet there are parental controls where you could disable that. With Nintendo, their online is so bad they do not even have a voice chat option. Als...
by reriodan
Sat Sep 30, 2017 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 22 year old daughter's portfolio?
Replies: 29
Views: 2322

Re: Suggestions for 22 year old daughter's portfolio?

Total world at such a low ER... awesome!

At that age, without a doubt, go total world and never look back.
by reriodan
Mon Sep 25, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 7107

Re: Tipping question....Applebees

Why do so many people who eat out get so anal about a few cents of tip? This always boggles my head. Eating out is such a horrible deal, yet when it comes to tipping the servers, people get so worked up over 50 cents.
by reriodan
Sat Sep 16, 2017 6:44 pm
Forum: Investing - Theory, News & General
Topic: International Equity: Are managed funds better than Index funds?
Replies: 35
Views: 2418

Re: International Equity: Are managed funds better than Index funds?

I've been using mutual fund screeners on Morningstar and reading about ETFS there as well. I haven't been impressed with Vanguard's basic International index funds (VEA, VEU) and neither has Morningstar. Sure they're cheap. But, the performance and quality of management of some mutual funds seem ve...
by reriodan
Sat Sep 16, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: Distressing news -> Flight to Safety ?
Replies: 75
Views: 7308

Re: Distressing news -> Flight to Safety ?

Stay the course sailor. :sharebeer
by reriodan
Tue Sep 12, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26397

Re: Iphone X is $1000

What a ripoff. But consumers will prove me wrong as they do with every apple product simply because it's apple. :oops:
by reriodan
Fri Sep 08, 2017 9:32 pm
Forum: Investing - Theory, News & General
Topic: "Fear of Finance?" AARP interview with Jack Bogle
Replies: 37
Views: 6297

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 reriodan
Thu Aug 31, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 60
Views: 12617

Re: 2 comma club (my way)!!

Mrxyz wrote:
Thu Aug 31, 2017 7:46 pm
Update:

Made it to 2M
His 475
Her 250
Taxable 1300

Does not include paid off home and cars, or kids 529 (3 kids but have only 110k)

Thanks to all!
You're welcome!
by reriodan
Thu Aug 31, 2017 7:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 18358

Re: Is Bogelheads getting less interesting?

I agree with you. There seems to be more off topic posts than years past. Things like "What books/TV shows/movies/foods do you like?" and "Recommendations needed for garbage bags". Which would be fine, if there was an off-topic board so I could filter them out. Many other questions that are somewha...
by reriodan
Mon Aug 21, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16176

Re: How far would you travel to see The Eclipse?

Anything less than totality vs totality is literally a night and day difference. Totality is EVERYTHING, and it was amazing to witness. Can't wait for the next one :D. If you are anywhere close to totality you really have to get there, because it is so different. Painful to think people were in the ...
by reriodan
Sun Aug 20, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 14635

Re: I own no international stocks. Can you guess why?

Speculation based on past performance.
by reriodan
Fri Aug 11, 2017 5:31 am
Forum: Personal Consumer Issues
Topic: Laptop suggestions pls
Replies: 30
Views: 2599

Re: Laptop suggestions pls

I would be tempted to get the Chromebook in this article. Can't vouch for it, though. What kind of Chromebook do you have? Are you certain it can't be modded to run Ubuntu? http://picknotebook.com/blog/best-ubuntu-laptop/ I have the Acer chromebook 11, got it for 90 bucks via Slickdeals. I have act...
by reriodan
Thu Aug 10, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Laptop suggestions pls
Replies: 30
Views: 2599

Re: Laptop suggestions pls

Welp, I just bought a refurbished t460p for $675. Specs: ● Processor: Intel® Core™ i5-6440HQ Processor (6M Cache, up to 3.50 GHz) ● Operating System: Windows 10 Pro 64 ● Display Type: 14.0" FHD (1920x1080), anti-glare, LED backlight, IPS w/ 720p HD Camera ● Memory: 16GB DDR4 2133 SoDIMM Memory ● Har...
by reriodan
Thu Aug 10, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: Laptop suggestions pls
Replies: 30
Views: 2599

Laptop suggestions pls

Hi all, I am in the market for a laptop, the one I have is pretty beaten up at this point and a bit bulkier than I would like. I am looking for some suggestions on a laptop to buy. I have a chromebook, and really like it for what it is, but I also want a laptop with a bit more power. I don't need mu...
by reriodan
Tue Aug 01, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA: if known result, why complete?
Replies: 44
Views: 2993

Re: FAFSA: if known result, why complete?

It takes 15 min. to fill out the form. I have no idea what the grumbling is all about. You might get some aid. You might not. It's 15 min. I see no reason why you wouldn't do it, just in case. I am not grumbling about it, just responding to OP's question. Here's the reason why I would not do it: I ...
by reriodan
Sun Jul 30, 2017 2:35 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 35408

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

What I mean by confusing strategy with outcome is that Bogle's recommendation for no international stocks is not proved to be a good strategy (even in 1993 without the benefit of knowing how it would turn out) simply because it worked well for the specific years 1993-2017 for a US-based investor. T...
by reriodan
Sat Jul 29, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 18309

Re: Tesla - next big lottery ticket ?

Tesla has finally released model 3 this weekend. The reviews so far are very good. We probably are witnessing another apple when it released first iPhone, another google when it started advertising on its search items, .... We are seriously debating to invest some play money, in our case, may be $5...
by reriodan
Tue Jul 25, 2017 6:57 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 35408

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

I am astonished that people are arguing Jack Bogle was right and that Taylor was correct to post this. Obviously, "right" is referring to making the right decision. If someone goes to vegas and puts their house on red and wins, would you say they made the right decision? Of course not, that was a te...
by reriodan
Sun Jul 23, 2017 11:14 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 35408

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

Mr. Bogle has been right. No. He hasn't. At least, not by the evidence offered in your post, which is not logic that should be promoted by a member of this forum that a good number of readers look to for advice. By your logic, the "right" investment is simply the one that offers the best return. So...
by reriodan
Sun Jul 23, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 9709

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

My mixed portfolio is insurance to buffer the risk of a big, long domestic crash, at a cost that is acceptable to me. The problem is that it doesn't work this way - the US market and economy have a huge impact on others... When the US catches a cold, ex-US catches a flu or even pneumonia. It's very...
by reriodan
Sun Jul 23, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 9318

Re: Investing Education and Mansplaining

Your daughter seems very closed minded and it seems like trying to work that out would be better than teaching her investment advice at this stage. Anyway, are you sure that it's not just that investment videos are boring? I mean, the videos ARE boring and I even consider myself interested in the su...
by reriodan
Fri Jul 21, 2017 9:48 am
Forum: Investing - Theory, News & General
Topic: Advise to mass distribute (Dave?)
Replies: 8
Views: 520

Re: Advise to mass distribute (Dave Ramsey?)

Dave Scamsey doesn't like Bogleheads... wonder why, lol.
by reriodan
Thu Jul 20, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 7813

Re: Would you let your teenager spend all his savings on a gaming computer?

Is your computer upgradable? As in, you dont need to spend so much building a new one, just add a new graphics card to allow for gaming? Also, as an aside, I tried to get back into some light gaming recently. There are few if any wholesome/family friendly games. It became an issue of having to keep...
by reriodan
Thu Jul 20, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 7813

Re: Would you let your teenager spend all his savings on a gaming computer?

Is your computer upgradable? As in, you dont need to spend so much building a new one, just add a new graphics card to allow for gaming? Also, as an aside, I tried to get back into some light gaming recently. There are few if any wholesome/family friendly games. It became an issue of having to keep...
by reriodan
Thu Jul 20, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 9709

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 reriodan
Thu Jul 20, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 7813

Re: Would you let your teenager spend all his savings on a gaming computer?

Is your computer upgradable? As in, you dont need to spend so much building a new one, just add a new graphics card to allow for gaming? Also, as an aside, I tried to get back into some light gaming recently. There are few if any wholesome/family friendly games. It became an issue of having to keep...
by reriodan
Wed Jul 19, 2017 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Designed an aggressive 20 year portfolio. Thoughts?
Replies: 24
Views: 2337

Re: Designed an aggressive 20 year portfolio. Thoughts?

Looks like about 4-5 funds too many by my eye.
by reriodan
Wed Jul 19, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 7813

Re: Would you let your teenager spend all his savings on a gaming computer?

Well I am not sure what you should do, but I HIGHLY doubt he will somehow be disappointed in his purchase of a "rapidly depreciating item". Personally, if he has made that money himself and he has contributed to your household as he has been required, I would be hard pressed to find a good excuse to...
by reriodan
Tue Jul 18, 2017 7:28 am
Forum: Investing - Theory, News & General
Topic: Active Manager Uses Lessons From Vanguard to Resist Passive
Replies: 21
Views: 2955

Re: Active Manager Uses Lessons From Vanguard to Resist Passive

The active vs. passive debates on this forum fascinate me. Simply following the performance of funds on Vanguard's website and Morningstar should help an "interested" investor determine which funds are appropriate investments. If you lurk or post here, I assume that you are an "interested" investor...
by reriodan
Mon Jul 17, 2017 8:31 pm
Forum: Investing - Theory, News & General
Topic: Active Manager Uses Lessons From Vanguard to Resist Passive
Replies: 21
Views: 2955

Re: Active Manager Uses Lessons From Vanguard to Resist Passive

One could argue that Total World provides greater diversification since it owns almost 8,000 stocks compared to about 1,300 owned by Global Equity. Global Equity's expense ratio is 0.30% higher than Total World's. With that many holdings it's probably just a closet index fund. If you want broad div...
by reriodan
Sun Jul 16, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 7063

Re: anyone retire and move to a planned community in FL?

I just cannot fathom why anyone would want to retire in Florida. The summers are so insanely uncomfortable, you practically cannot do anything outside. Any outdoor activity basically have to do before 8am, otherwise it's too hot and humid. Also just being outside for like 30 seconds and you will be...
by reriodan
Sat Jul 15, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 7063

Re: anyone retire and move to a planned community in FL?

I just cannot fathom why anyone would want to retire in Florida. The summers are so insanely uncomfortable, you practically cannot do anything outside. Any outdoor activity basically have to do before 8am, otherwise it's too hot and humid. Also just being outside for like 30 seconds and you will be ...
by reriodan
Sat Jul 15, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 133
Views: 9974

Re: What advice to give 21 year old?

Advice for 21 yr old? 100% Total world market fund, never look back.
by reriodan
Fri Jul 14, 2017 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Tony Robbins new book Unshakeable
Replies: 21
Views: 2662

Re: Tony Robbins new book Unshakeable

jb1 wrote:The guy is all hype, why is he famous again?
Cause he's got an overgrown pituitary gland and a good handshake. Him and Ramsay should get together and they'd be unstoppable.
by reriodan
Thu Jul 13, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 7400

Re: Cheap eggs... how bad?

Factory farmed eggs, probably from battery caged hens that can't move. I'd say really bad. Quality > Quantity. I'd rather have 1 dozen eggs from pasture raised hens than 10 dozen factory farmed. I'd strongly considered only eating meat (and all products from it like eggs) from only brands that rais...
by reriodan
Wed Jul 12, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 11858

Re: Do you count vehicle equity in net worth?

If you need to count a vehicle in your net worth, you don't need to be counting your net worth.
by reriodan
Wed Jul 12, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: instant pot [Pressure cooker]
Replies: 34
Views: 3496

Re: instant pot [Pressure cooker]

Instant Pot is like a cult. And I am a happy member :mrgreen:
by reriodan
Tue Jul 11, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 57
Views: 5126

Re: Dave Ramsey's advice on investing?

Devil's Advocate wrote:Not many. His investing advice really sucks...bad.

DA
+1. The guy is a scam artist, but I have to be careful what I say cause I have gotten banned for speaking about Dave here, which I believe is moderated by some pro-Ramsay people.
by reriodan
Wed Jun 07, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 9743

Re: Dave Ramsey Financial Peace University ??? worth it?

If you look at his investment advice you'd be hard pressed to convince me it's not a scam. He get's people out of debt just so he can take advantage of them. Not really sure how my posts were considered off topic... my advice is don't get involved with this guy, stop supporting him, and tell others ...
by reriodan
Sat Jun 03, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced index fund holder - do I need intl?
Replies: 52
Views: 3963

Re: Balanced index fund holder - do I need intl?

Hold market weight. Why would you do anything else?
by reriodan
Fri Jun 02, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: Bogle: Even indexing can be too much of a good thing
Replies: 25
Views: 5059

Re: Bogle: Even indexing can be too much of a good thing

Bogle is not a perfect individual. He has been wrong before (see his stance on international equities) and he will be wrong again. Ignore the noise.
by reriodan
Tue May 30, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: 27 years old, am I on the right track?
Replies: 13
Views: 1529

Re: 27 years old, am I on the right track?

Assuming you have a strong risk tolerance, then go 100% stock and never look back. 100% Total world, can't go wrong. Though, you better be sure you have the resolve.
by reriodan
Thu May 25, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 77
Views: 7270

Re: Pet insurance for new puppy

Long time pet owner here and we love our dog. He truly is a member of the family. Pet health care is pretty simple really and there is no need for insurance. We pay everything out of pocket. If we got to the point where our vet bill was being measured in thousands of dollars, euthanasia would becom...
by reriodan
Sun May 21, 2017 8:06 pm
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 12388

Re: Home Country Bias...makes sense?

After reading all of the above reasonings it just seems a bit foolish to go against Buffett and Bogle`s reasonings. Yes they may come from an earlier era then most of us do but I feel and believe that they are certainly still very aware and rational thinkers investing wise. Of course time will tell...
by reriodan
Sat May 20, 2017 2:15 pm
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 12388

Re: Home Country Bias...makes sense?

Every country has specific well-known issues, including the United States. One would think these things were priced into their respective equities. But U.S. patriots apparently are arguing the relative greatness of the U.S. has not been fully acknowledged in market prices, and so much so we should ...
by reriodan
Mon May 15, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 9728

Re: Tesla Solar Roof

I really want one, but just doesn't seem financially worth it yet. May just opt to buy a solar panel at some point.