Search found 772 matches

by selftalk
Mon Jul 25, 2016 7:21 pm
Forum: Investing - Theory, News & General
Topic: The Fortitude Required of a Buy-and-Hold Equity Investor
Replies: 37
Views: 2185

Re: The Fortitude Required of a Buy-and-Hold Equity Investor

Livesoft, I think "one can buy and hold without peeking" investing in the large general indices ( DOW and S&P 500 and the Total Stock Market Index) and let the compounding takes its effect even through large bear markets. Of course one can continue to buy and add more shares as time go...
by selftalk
Sun Jul 24, 2016 9:59 am
Forum: Investing - Theory, News & General
Topic: How to invest for 200 years?
Replies: 29
Views: 4135

Re: How to invest for 200 years?

Up to now we can say that in the song "nothing lasts forever but the earth and sky." I don`t know that we can say that anymore as scientists are monkeying around to much with nature. What concerns me lately is artificial intelligence developing to the point of outsmarting humans. People do...
by selftalk
Sun Jul 24, 2016 9:37 am
Forum: Investing - Theory, News & General
Topic: U.S. Stock Market Increasingly Detached from U.S. Economy
Replies: 19
Views: 2406

Re: U.S. Stock Market Increasingly Detached from U.S. Economy

Sometimes the stock market goes in the same direction of the economy and sometimes it doesn`t. It`s like the super bowl predictor. Forget it and just buy and hold and let the compounding do it`s thing.
by selftalk
Sun Jul 24, 2016 9:23 am
Forum: Investing - Theory, News & General
Topic: Remind me once again why I can't time the market?
Replies: 66
Views: 6066

Re: Remind me once again why I can't time the market?

I wonder what we`d all do if we saw the value of our homes fluctuate daily via newspapers and the tv. This has been a very good thread in my opinion.
by selftalk
Sat Jul 23, 2016 1:26 pm
Forum: Investing - Theory, News & General
Topic: Lump sum, rebalancing and dollar cost averaging the most prudent
Replies: 6
Views: 506

Lump sum, rebalancing and dollar cost averaging the most prudent

Since no one can market time consistently as was proven throughout history , then the best approach is to dollar cost as money becomes available to you, rebalance sparingly in a fixed time or as your percentage bands tell you and invest a lump sum right away if you have it. For best results "DO...
by selftalk
Sat Jul 23, 2016 6:32 am
Forum: Investing - Theory, News & General
Topic: Observation :Will the market go a lot higher ? Most probably
Replies: 11
Views: 2118

Observation :Will the market go a lot higher ? Most probably

At this point in time the interest rates in some countries are negative on bonds newly issued. Just what happens if the rates go below zero here in the U.S. ? The pension plans have fixed payouts but if their income dwindles to nothing how will they be able to pay us? I believe they will go to lower...
by selftalk
Wed Jul 20, 2016 1:05 pm
Forum: Investing - Theory, News & General
Topic: wishing the market would drop to buy more shares
Replies: 36
Views: 3034

wishing the market would drop to buy more shares

I know this will sound a little different at this point in time but as I see the market hitting new highs recently and my VTI most probably hitting new highs also ( I don`t peek), I am discouraged that the bear market has not hit yet. I am still accumulating more shares as finances will dictate but ...
by selftalk
Mon Jul 18, 2016 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway Class B
Replies: 42
Views: 3099

Re: Berkshire Hathaway Class B

I was thinking of buying brk.b when it fell to about $124 in a correction a while ago but decided to stick with VTI which isn`t managed by people in a sense. I felt that Berkshire wasn`t as safe going forward and certainly not diversified near as much as the index and that Warren Buffett is in his 8...
by selftalk
Mon Jul 18, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 213
Views: 28376

Re: 23 year old... Can I afford a Rolex?

Petrocelli be my guest and go buy it.
by selftalk
Sun Jul 17, 2016 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Concerned about a market bubble – looking for safer funds
Replies: 16
Views: 1527

Re: Concerned about a market bubble – looking for safer funds

I would stop listening to the news and stay the course you set. I like your allocation and you must have when you set it up so keep it. There`s always going to be troubled times that seem like the end of the world are right around the corner. If the end of the world comes do you think your stocks, b...
by selftalk
Sun Jul 17, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 213
Views: 28376

Re: 23 year old... Can I afford a Rolex?

If you take the cost of a Rolex and compound that amount of money even at 4 % ( the prevailing view of the S&P 500 return) for some 30 years then that will be a pretty expensive watch (about $ 18,000). Do you want to do that now ?
by selftalk
Thu Jul 14, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 13068

Re: What do you spend your money on???

Yes they sure rule !
by selftalk
Thu Jul 14, 2016 6:01 pm
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 13068

Re: What do you spend your money on???

Wine, women, song and my 2 cats. I still dollar cost average in VTI trying to ignore the cost per share.
by selftalk
Thu Jul 14, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]
Replies: 81
Views: 6084

Re: Electric Bills Killing Me from AC. Need Advice.

Where I live in Baltimore the electric company will come out free of charge and go over things to do to be more efficient in lowering your usage. Call your provider.
by selftalk
Thu Jul 14, 2016 5:48 pm
Forum: Investing - Theory, News & General
Topic: Active Managers having their worst year ever!
Replies: 19
Views: 2120

Re: Active Managers having their worst year ever!

I know it`s different strokes for different folks. I can`t believe what I do see in aggregate and that is so much financial evidence through so many studies academically clearly show what John Bogle has been telling us for years and yet a lot of people don`t listen and KEEP TRYING TO PLAY AND BEAT T...
by selftalk
Thu Jul 14, 2016 5:21 pm
Forum: Investing - Theory, News & General
Topic: When you feel like giving up.
Replies: 5
Views: 1708

Re: When you feel like giving up.

He`s right. Thank you for the video.
by selftalk
Wed Jul 13, 2016 8:50 pm
Forum: Investing - Theory, News & General
Topic: What if the fed never raises rates?
Replies: 23
Views: 3196

Re: What if the fed never raises rates?

What if the sky falls !
by selftalk
Wed Jul 13, 2016 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Pull out of market?
Replies: 56
Views: 5267

Re: Pull out of market?

How can you pull out of the market and foresake the compounding effect to enhance your wealth going forward. What happened to stay the course ? Isn`t that funny behavior and destructive behavior for accumulating wealth. We all know I think that no one can time the market continually yet as soon as s...
by selftalk
Tue Jul 12, 2016 3:25 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 82
Views: 9283

Re: Got a Question for Jack Bogle? Post it Here.

If interest rates are below the basement level with bond prices in the stratosphere and U.S. stocks very richly priced and in the clouds do we keep dollar cost investing ?
by selftalk
Mon Jul 11, 2016 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 220
Views: 21762

Re: Where were you financially when you were at 30?

I don`t remember exactly but I wish I was 30 now.
by selftalk
Mon Jul 11, 2016 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: closing out credit cards that aren`t used effecting your credit score
Replies: 7
Views: 792

Re: closing out credit cards that aren`t used effecting your credit score

Maybe a person who taps into this website who works for a credit card company and knows this will enlighten all of us on this matter. I say why keep cards around you have absolutely no intention of ever using. A couple of these I never activated but the Company rep sure wanted me to stay with them a...
by selftalk
Mon Jul 11, 2016 6:33 pm
Forum: Investing - Theory, News & General
Topic: dollar cost averaging vs. buying and holding on dips of 5 %
Replies: 5
Views: 819

Re: dollar cost averaging vs. buying and holding on dips of 5 %

I think it`s been said before : It` s time in the market , not timing. Buy when the money becomes available to you and then sit tight and let compounding work for you. That`s what I learned the hard way. Thank all of you for your responses though.
by selftalk
Mon Jul 11, 2016 9:32 am
Forum: Personal Finance (Not Investing)
Topic: closing out credit cards that aren`t used effecting your credit score
Replies: 7
Views: 792

closing out credit cards that aren`t used effecting your credit score

Does anyone know for sure that if you close out the credit cards that you do not use will this hurt your credit score which you may need in buying a home ? If so then how long does it take for that penalty to be removed ?
by selftalk
Mon Jul 11, 2016 9:19 am
Forum: Investing - Theory, News & General
Topic: dollar cost averaging vs. buying and holding on dips of 5 %
Replies: 5
Views: 819

dollar cost averaging vs. buying and holding on dips of 5 %

Has anyone seen or developed a model of comparing the total return of the S&P 500 performing dollar cost averaging versus waiting and just buying on 5 % dips and holding ?
by selftalk
Sun Jul 10, 2016 10:31 am
Forum: Investing - Theory, News & General
Topic: S+P 500 is not very diversified
Replies: 77
Views: 5363

Re: S+P 500 is not very diversified

I reasoned that the Dow Jones Industrial Average has been rising since it`s beginning maybe in the 1870`s or thereabouts and so has the S&P 500 as we now know it since the 1950`s. This is THE MARKET we refer to to tell us if stocks are rising or falling in general. Mostly everyone and every fina...
by selftalk
Sun Jul 10, 2016 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Investing in gold
Replies: 60
Views: 2071

Re: Investing in gold

If you want a real percentage mover in gold speculate in JNUG. It`s 3 times the movement in gold and when gold is rising the premiums go up a lot and when the price of gold falls the premium runs fast away.
by selftalk
Sun Jul 10, 2016 9:58 am
Forum: Investing - Theory, News & General
Topic: Valuations and market timing, and the current CAPE 10
Replies: 88
Views: 8349

Re: Valuations and market timing, and the current CAPE 10

I seem to remember a fellow last name Wilson maybe in the 60`s or 70`s who shorted Resorts International ( formerly Mary Carter Paints ). The stock just kept going up and up and he met all the margin calls until he couldn`t no more. Then the stock collapsed after he covered his shorts. I believe it ...
by selftalk
Sat Jul 09, 2016 6:12 pm
Forum: Investing - Theory, News & General
Topic: instant xray at Morningstar
Replies: 14
Views: 772

Re: instant xray at Morningstar

I have to admit that this morning I read an investing article on marketwatch.com indicating that small cap value emerging markets were of good value long term as the S&P 500 was sooo over valued. But I came to my senses and decided to leave my VTI / VTSAX alone and let it compound over time. Tha...
by selftalk
Sat Jul 09, 2016 6:05 pm
Forum: Investing - Theory, News & General
Topic: Valuations and market timing, and the current CAPE 10
Replies: 88
Views: 8349

Re: Valuations and market timing, and the current CAPE 10

Most folks just cannot sit still with their investment choices. They justify tinkering thinking of course they are improving their long term returns. John Bogle indicates it`s no sure thing doing this as it can go either way. Why chance it ?
by selftalk
Sat Jul 09, 2016 11:37 am
Forum: Investing - Theory, News & General
Topic: Valuations and market timing, and the current CAPE 10
Replies: 88
Views: 8349

Re: Valuations and market timing, and the current CAPE 10

Everyone, let`s face it that NONE of us will be able to time this market accurately. If we learn from John Bogle to not PEEK then we ignore the price levels of the markets and figure that we are in this thing to protect the erosion of our purchasing power of our monies and that`s it solely. Warren B...
by selftalk
Sat Jul 09, 2016 10:42 am
Forum: Investing - Theory, News & General
Topic: instant xray at Morningstar
Replies: 14
Views: 772

instant xray at Morningstar

How do I get on Morningstar`s instant xray at no cost ?
by selftalk
Fri Jul 08, 2016 8:30 pm
Forum: Personal Consumer Issues
Topic: Condo vs Townhouse Living
Replies: 35
Views: 4327

Re: Condo vs Townhouse Living

Hi Taylor. From that website you gave me one person says that you have a 30% chance of living and maybe not being injured if you jump wearing a parachute at 300 feet. I suppose there are different types of chutes. Isn`t a story in a building 10 feet maybe ? So therefore if you are on the 35th floor ...
by selftalk
Thu Jul 07, 2016 8:38 am
Forum: Personal Consumer Issues
Topic: Condo vs Townhouse Living
Replies: 35
Views: 4327

Re: Condo vs Townhouse Living

Hi Taylor. At what height do you need for a parachute to open up to hit the ground safely and will it fit under the bed when not in use ? I wonder if we could train our wives to use it ? In my case it would be doubtful ! I`ll bet Bruce Willis could survive the jump.
by selftalk
Thu Jul 07, 2016 8:35 am
Forum: Personal Consumer Issues
Topic: Tag Heuer wrist watch
Replies: 24
Views: 2039

Re: Tag Heuer wrist watch

Thank you all for the responses. On second thought I most probably will keep using my lower cost Citizen Eco watch as it works fine and due to some of your responses I don`t want to take a chance and have a headache with a new one. I guess it was a want rather than a need. I guess I`d be better off ...
by selftalk
Tue Jul 05, 2016 5:35 pm
Forum: Personal Consumer Issues
Topic: Tag Heuer wrist watch
Replies: 24
Views: 2039

Tag Heuer wrist watch

Does anyone out there have a Tag Heuer wrist watch and if so how long and how is its performance ?
by selftalk
Tue Jul 05, 2016 7:41 am
Forum: Investing - Theory, News & General
Topic: Robo Halt Stirs Concerns [Betterment unilaterally halted trading]
Replies: 23
Views: 1515

Re: Robo Halt Stirs Concerns [Betterment unilaterally halted trading]

Betterment tries to stop investors from reacting to their emotions. It sure is a very hard thing to do to keep people from control of their money but on the other hand that`s what they signed up for. A real dilemma for Betterment to be in.
by selftalk
Mon Jul 04, 2016 9:08 pm
Forum: Personal Consumer Issues
Topic: Condo vs Townhouse Living
Replies: 35
Views: 4327

Re: Condo vs Townhouse Living

The thing about the condo that scares me is you are exposed to more people and therefore more mechanical things and neighbor incompetencies going wrong such as a fire. I live in a townhome row of 7 townhomes and the fellow next door smokes. A few weeks ago his smoking habit caused a fire and he wasn...
by selftalk
Mon Jul 04, 2016 8:44 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance - Am I paying too much ?
Replies: 34
Views: 2412

Re: Auto Insurance - Am I paying too much ?

I think that you are paying too much. Check with Erie Insurance. I would drop entirely the comprehensive and collision as your cars are too old for that and the towing but that`s me.
by selftalk
Mon Jul 04, 2016 8:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Fund Returns
Replies: 17
Views: 3744

Re: Vanguard Fund Returns

Hi Taylor. A fellow once told me that the road to hell is paved with people who had good intentions. Anyhow thank you for posting the Vanguard returns even if I pay no attention to them. I really subscribe to Bogle`s "Don`t Peek " attitude to all this financial hogwash which the tv and mag...
by selftalk
Mon Jul 04, 2016 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Why is everyone everywhere saying to buy gold?
Replies: 61
Views: 4778

Re: Why is everyone everywhere saying to buy gold?

It`s probably REVERSION TO THE MEAN time as John Bogle may say. Sure it could go higher, a lot higher but where`s the earnings and dividends ? It`s pure speculation and most all of us so called investors will leave our money behind when it`s all over in buying this commodity. It`s sort of like music...
by selftalk
Mon Jul 04, 2016 1:03 pm
Forum: Investing - Theory, News & General
Topic: A favorite Peter Lynch quote.
Replies: 26
Views: 3432

Re: A favorite Peter Lynch quote.

Peter Lynch is saying that the long term of "the Market" is up. The next thousand points are insignificant as that`s short term thinking. What`s so hard to understand ? People, for some reason, love to dissect statements made and interpret them the way they want to. Isn`t buy and hold the ...
by selftalk
Sun Jul 03, 2016 4:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: The Declaration of Independence
Replies: 44
Views: 3308

Re: The Declaration of Independence

Same to you Taylor.
by selftalk
Sun Jul 03, 2016 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Am I a little crazy to be thinking this way?
Replies: 92
Views: 7899

Re: Am I a little crazy to be thinking this way?

No you`re not crazy thinking this way. Just look at a very long term chart of the Dow Jones Average and realize it trends higher over the years but does have some long periods of set backs. I just hope you can weather these set backs also known as corrections and bear markets. You should look at the...
by selftalk
Sat Jul 02, 2016 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Getting rid of international funds
Replies: 83
Views: 6566

Re: Getting rid of international funds

It the international asset class starts out performing the all U.S. asset class will you switch back to internationals again ? Stay the course.
by selftalk
Sat Jul 02, 2016 8:48 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 40
Views: 2990

Re: What is the best home exercise equipment?

Go to google and put in health benefits of a rebounder. You`ll be amazed.
by selftalk
Sun Jun 26, 2016 12:15 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig: The More It Hurts, the More You Make
Replies: 35
Views: 6164

Re: Jason Zweig: The More It Hurts, the More You Make

You have to continue to believe that mankind in all countries will continue to develop new ways and products to make our lives better especially in medicine. The markets are emotional in the short run, as per Warren Buffett`s Mr. Market prose, but react to value in the long term. Stay the course and...
by selftalk
Sun Jun 26, 2016 11:51 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 683098

Re: U.S. stocks in freefall

John Bogle said " Don`t Peek." It seems that there are a lot of Boglehead peekers out there and according to him that`s not the way to financial freedom or a good retirement income.
by selftalk
Mon Jun 20, 2016 3:29 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle will Appear on Webinar [June 15]
Replies: 66
Views: 5058

Re: John Bogle Webinar at Vanguard

This is great. Thanks so much for putting this interview on here.
by selftalk
Wed Jun 15, 2016 8:49 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle will Appear on Webinar [June 15]
Replies: 66
Views: 5058

Re: Jack Bogle will Appear on Webinar [Today Wed., June 15]

Jack also said "DON`T PEEK." It was a very good interview today. I`d like to put it in favorites if I knew how.
by selftalk
Sun Jun 12, 2016 9:15 am
Forum: Investing - Theory, News & General
Topic: Developing conviction to stick with a long-term investment plan
Replies: 11
Views: 1151

Re: Developing conviction to stick with a long-term investment plan

This has been a very good thread and with references back to David Swensen and his thinking.

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