Search found 880 matches

by selftalk
Fri Feb 17, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3275

Re: Vanguard Web Site Down?

What would John Bogle say about this ? It`s very aggravating and will no doubt cause some people to switch brokers in full and/ in part.Vanguard better give a good explanation.
by selftalk
Wed Feb 15, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: The VIX [Volatility index]
Replies: 3
Views: 264

Re: The VIX

From my take when the short term VIX goes sharply lower the general market sells off as fear and panic are high and the opposite is true. So now the VIX is in the middle zone so to speak. Nothing is always consistent in the market. That`s why buy and hold is the best thing to do.
by selftalk
Wed Feb 15, 2017 12:26 pm
Forum: Investing - Theory, News & General
Topic: The VIX [Volatility index]
Replies: 3
Views: 264

The VIX [Volatility index]

What`s a bit baffling to me now as i "peek" is that the short term VIX is rising as the Market rises. It usually is opposite. I guess it`s an anomaly. Any thoughts ?
by selftalk
Wed Feb 15, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3325
Views: 836516

Re: U.S. stocks in freefall

Well Doom&Gloom, it appears that you`re attempting to time the market whereas no one has been able to do that regularly and successfully in history. Do you honestly believe that you are the exception ? I somehow don`t think so but good luck anyway. I bought the index today for the long term as I...
by selftalk
Wed Feb 08, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Larry Swedroe on James Lange's podcast Retire Secure
Replies: 3
Views: 1006

Re: Larry Swedroe on James Lange's podcast Retire Secure

I heard it tonight. It was really good and insightful.
by selftalk
Wed Feb 08, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 52
Views: 7170

Re: A note of caution from Robert Shiller

This is some bull market ! It seems as if almost everyone has one foot out of the door because of valuations. Like Walter Morgan told J. Bogle years ago " nobody knows nutt`in." I have to keep on buying my VTI / VTSAX no matter what. I just close my eyes and fork over the money to Vanguard...
by selftalk
Wed Feb 08, 2017 7:14 am
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 52
Views: 7170

Re: A note of caution from Robert Shiller

I second that FIREchief.
by selftalk
Tue Feb 07, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 52
Views: 7170

Re: A note of caution from Robert Shiller

I`d be willing say that Robert Schiller cannot time the market any better than anyone else except by sheer luck once in a while. He tell us it`s high. Ok it`s higher than it was before but what`s next ? No one knows but these "experts" keep sounding alarms of warning on a regular basis. I ...
by selftalk
Mon Feb 06, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 52
Views: 7170

Re: A note of caution from Robert Shiller

Haven`t we been taught from "the master" J. Bogle to invest no matter what and "stay the course? " Why all this caution now ? Markets go up and markets go down so this is nothing new. Because the Shiller CAPE is high do we jump ship in other words MARKET TIME which we were taught...
by selftalk
Mon Feb 06, 2017 12:44 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1693
Views: 910531

Re: The Three-Fund Portfolio

Taylor, I saw that early this morning. All those "brainy people" running the endowment and hedge funds and using the most sophisticated data money can buy cannot beat the 3 fund portfolio. Amazing ! We can beat them in returns if we don`t outsmart ourselves.
by selftalk
Sun Feb 05, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Stock Investors -- Wrong Again.
Replies: 33
Views: 5322

Re: Stock Investors -- Wrong Again.

Taylor, if everyone took the time to read with understanding what you just wrote above in this thread they would buy the main indices at least the 3 fund portfolio and never change a thing and never add in other asset classes hoping to beat the general market. Because someone set up their allocation...
by selftalk
Sat Feb 04, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: Stock Investors -- Wrong Again.
Replies: 33
Views: 5322

Re: Stock Investors -- Wrong Again.

Taylor we learned here and from John Bogle to buy the haystack and not individual Companies.
by selftalk
Sat Feb 04, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: What bulk nuts do you buy and from where?
Replies: 26
Views: 2211

Re: What bulk nuts do you buy and from where?

Raw nuts and seeds taste pretty bad in my opinion but they`re the healthiest for you as roasting removes a lot of nutrition.
by selftalk
Sat Feb 04, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of credit card rewards (cash back and signup bonuses)
Replies: 24
Views: 2903

Re: Taxation of credit card rewards (cash back and signup bonuses)

When the government gets real hungry for cash I guess everything gets taxed. In midieval times you were taxed by how long your beard was. The longer the beard the less the tax. That was true.
by selftalk
Sat Feb 04, 2017 5:06 pm
Forum: Investing - Theory, News & General
Topic: Schwab reduces index mutual fund ER and trade commission
Replies: 43
Views: 3458

Re: Schwab reduces index mutual fund ER and trade commission

Let`s see what Bogle has to say about this.
by selftalk
Fri Feb 03, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: Schwab reduces index mutual fund ER and trade commission
Replies: 43
Views: 3458

Re: Schwab reduces index mutual fund ER and trade commission

It will be interesting to hear what John Bogle has to say about this. He loves low expenses.
by selftalk
Fri Feb 03, 2017 11:58 am
Forum: Investing - Theory, News & General
Topic: Schwab reduces index mutual fund ER and trade commission
Replies: 43
Views: 3458

Re: Schwab reduces index mutual fund ER and trade commission

Ok, will you change from Vanguard`s admiral shares and etf for the S&P 500 with expense ratios each of .05 % to Schwabs counter fund with an expense ratio of .03 % ? That is the question and are both of their matching indexes exactly the same with the expense ratios being the only different enti...
by selftalk
Fri Feb 03, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: contributing to a Roth and/or tIRA as retired teacher
Replies: 3
Views: 172

Re: contributing to a Roth and/or tIRA as retired teacher

If your spouse is gainfully employed you can do it but check the limits in money.
by selftalk
Fri Feb 03, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 8045

Re: How do you guys ignore this stuff?

new2bogle, I have also stopped viewing the financial news and most local news and my mental health is better for it. I have no inkling what Trump is up to but somehow both good and bad will occur but I have absolutely no control over it. I try to live each day in my own world. I invest in an all U.S...
by selftalk
Thu Feb 02, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 8045

Re: How do you guys ignore this stuff?

Warren Buffett says "America long term will do very well and so will the U.S. stock market" and John Bogle says "invest we must and stay the course as the purchasing power of the dollar will evaporate much further." Do you want to argue with them ?
by selftalk
Thu Feb 02, 2017 4:37 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1693
Views: 910531

Re: The Three-Fund Portfolio

I`m comfortable to do what Buffett and Bogle suggest and that is own the S&P 500 for Buffett and the Total Stock Market Index Fund suggested by Bogle. Both funds have earned almost exactly the same results over the long term. My proxy for a bond fund however is my monthly income from my pension ...
by selftalk
Wed Feb 01, 2017 6:20 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1693
Views: 910531

Re: The Three-Fund Portfolio

chatbotte, the reason I have no bonds is because I receive a very good pension monthly and my social security benefits are fine also. Of course having that allocation means no rebalancing. It`s as simple as that and I`m satisfied.
by selftalk
Wed Feb 01, 2017 12:32 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1693
Views: 910531

Re: The Three-Fund Portfolio

Reputable people in this business recommend lots of different portfolios. I wish I knew which one will finish best in 10-20 years but that`s impossible so I made mine (VTI / VTSAX) up and I will stay with it. One of the worst things you can do is give into temptation and keep switching funds ie. add...
by selftalk
Wed Feb 01, 2017 7:37 am
Forum: Investing - Theory, News & General
Topic: Stock market optimism
Replies: 38
Views: 3925

Re: Stock market optimism

History shows that the market will be higher in the years to come so today`s highs will turn out to be tomorrows lows. So why fret over if there will be a big drop. If so it will surely pass in time. J. Bogle says "invest we must" as the dollar just depreciates in purchasing power as time ...
by selftalk
Tue Jan 31, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Roth contribution if over 70 1/2?
Replies: 3
Views: 340

Re: Spousal Roth contribution if over 70 1/2?

I`m not 100 % sure but I think you can. Call Vanguard and a commercial bank and ask that question.
by selftalk
Tue Jan 31, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: Are you changing your AA based on current events?
Replies: 68
Views: 3193

Re: Are you changing your AA based on current events?

If you can beat my portfolio of only VTI / VTSAX over the next 10 years tell me and I will adopt yours now. I have made no changes.
by selftalk
Mon Jan 30, 2017 6:43 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1693
Views: 910531

Re: The Three-Fund Portfolio

chatbotte, it`s like Quaker Oats. When you have a good thing don`t change it.
by selftalk
Wed Jan 25, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard not answering the phone
Replies: 20
Views: 1840

Re: Why is Vanguard not answering the phone

For once I had a relevant and important question to me to ask Vanguard but to no avail this time. I do use the internet 99.9% of the time to do my purchases etc. at Vanguard.
by selftalk
Wed Jan 25, 2017 7:17 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC & Reforms
Replies: 11
Views: 1580

Re: Jack Bogle on CNBC & Reforms

I just checked Morningstar. Bogle is right. In the 3,5,and 10 year periods total returns, the VTSAX mutual fund earned a higher return ( more money ) than the VTI etf. He`s no slouch and he`s a real master.
by selftalk
Wed Jan 25, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: A Special Vanguard Fund
Replies: 17
Views: 2619

Re: A Special Vanguard Fund

Happy Birthday Taylor and wishes for many more. I love that VTSAX / VTI. No mental stress. Just buy it when funds become available and don`t peek much.
by selftalk
Wed Jan 25, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard not answering the phone
Replies: 20
Views: 1840

Re: Why is Vanguard not answering the phone

It may be suffering from it`s own success but it will lose investor confidence for sure. I just tried again 6:45 pm and still nothing has changed. Oh well maybe tomorrow.
by selftalk
Wed Jan 25, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard not answering the phone
Replies: 20
Views: 1840

Re: Why is Vanguard not answering the phone

No it doesn`t. Try it yourself. The recording qualifies you and a recorded voice then says hold on and a representative will be with you soon but that never happens even after waiting on hold for 30 minutes. The same thing occurred 4 times today so far.
by selftalk
Wed Jan 25, 2017 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard not answering the phone
Replies: 20
Views: 1840

Why is Vanguard not answering the phone

I have tried 3 times today to get a Vanguard representative but I`m on hold and no one answers the phone. I just tried again 6:05 pm est. and still no one answers the phone. The market closed at 4 pm est. Does anyone know what`s going on ?
by selftalk
Tue Jan 24, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: old tv show about Jesse Livermore
Replies: 3
Views: 389

old tv show about Jesse Livermore

I was researching for quite some time the other day trying to find the tv show I saw the last 15 minutes of on a Friday night I think after Wall Street Week in the late 1990`s when a relative of Mr. Livermore`s was speaking about him and all I remember was that the woman said that Jesse Livermore co...
by selftalk
Tue Jan 24, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: Blindly following expert picks
Replies: 20
Views: 1717

Re: Blindly following expert picks

If "the experts" were winners we`d all follow them. But that`s not the case more than usually.
by selftalk
Tue Jan 24, 2017 7:22 am
Forum: Investing - Theory, News & General
Topic: Comparing EM value options [Emerging Market]
Replies: 35
Views: 2781

Re: Comparing EM value options [Emerging Market]

The one that had the most small cap value stocks in the emerging markets asset class was EWX.You simply cannot find a pure play in that asset class. Bear in mind it did nothing for the last 6 years but we of course do not know the future. Good luck.
by selftalk
Sun Jan 22, 2017 7:18 am
Forum: Investing - Theory, News & General
Topic: Dow crosses 20,000?
Replies: 28
Views: 2973

Re: Dow crosses 20,000?

Good interview of what Sam Stovall said about the investors not at the euphoria level.
by selftalk
Sun Jan 22, 2017 6:57 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 996
Views: 231825

Re: Best watch for around $5,000?

Yes, the Casio G- Shock is wonderful. I had a Rolex years ago and it had to be serviced ( more expense). Those expensive watches are a joke and only for your ego. Maybe you`ll get lucky and buy an expensive watch that will climb in value over time but maybe you`ll hit the lottery. Buy VTSAX and get ...
by selftalk
Sat Jan 21, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: Rewards of Multiple Asset Class Investing
Replies: 11
Views: 1288

Re: Rewards of Multiple Asset Class Investing

Johnnie, if you go to the lazy portfolio on marketwatch.com you will see the Merriman portfolio ( Fund Advice) with maybe 12 different items or so in it and it has yet to perform better than the Second Graders portfolio consisting of the total stock market, the total bond market and the total intern...
by selftalk
Sat Jan 21, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: is there really smart money in mutual fund performance
Replies: 3
Views: 674

Re: is there really smart money in mutual fund performance

If you go to investment company institute.com and look at the statistics for flows in efts and mutual funds you`ll see that domestic equities have been decreased and bonds have been increased.
by selftalk
Fri Jan 20, 2017 4:56 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1693
Views: 910531

Re: The Three-Fund Portfolio

Thank you Taylor. That was really good !
by selftalk
Wed Jan 18, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?
Replies: 65
Views: 3855

Re: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?

Hang the stock tables from the Wall Street Journal on the wall and borrow someone`s chimpanzee for a minute and give the animal some darts to throw at the stock list. It`s supposed to beat the "professionals."
by selftalk
Thu Jan 12, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: how friends can hurt you financially unintentionally
Replies: 24
Views: 3213

how friends can hurt you financially unintentionally

I finally decided to invest only in the S&P 500 per Warren Buffett and/or VTI as recommended by John Bogle. Both assets have performed almost the same over the long term. A good friend keeps after me regularly saying I would be buying at a terribly high price now since the U.S. market has gone u...
by selftalk
Thu Jan 12, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: taxable and tax sheltered accounts - most tax efficient etf between VTI and VOO
Replies: 3
Views: 299

taxable and tax sheltered accounts - most tax efficient etf between VTI and VOO

Of the two ETF`s, VOO and VTI, which one should I place in the taxable account ? I know both are supposed to be tax efficient but which one is the most tax efficient ?
by selftalk
Thu Jan 12, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: John Bogle interviews
Replies: 5
Views: 779

Re: John Bogle interviews

Thanks ! That was a very good and informative interview.
by selftalk
Wed Jan 11, 2017 3:23 pm
Forum: Investing - Theory, News & General
Topic: John Bogle interviews
Replies: 5
Views: 779

John Bogle interviews

Are the any recent interviews featuring John Bogle ?
by selftalk
Wed Jan 11, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Owning Only The Total Stock Market Index
Replies: 14
Views: 2494

Re: Owning Only The Total Stock Market Index

I think I`ll consider VXUS for 20% and VTI for the other 80% to be on a safer side. Thanks for all your opinions.
by selftalk
Wed Jan 11, 2017 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Owning Only The Total Stock Market Index
Replies: 14
Views: 2494

Re: Owning Only The Total Stock Market Index

Ari, I see your point but I see John Bogle`s also so it`s a toss up as the future is unknown to all. I`ve also read the argument for some international written by Alan Roth.
by selftalk
Tue Jan 10, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Owning Only The Total Stock Market Index
Replies: 14
Views: 2494

Owning Only The Total Stock Market Index

If a person is retired with a good government pension along with good social security benefits coming in monthly on both and all bills are current would it be a smart idea to invest solely in the Total Stock Market Index Fund and stay out of the Total Bond Market Index Fund as the pension and social...
by selftalk
Mon Jan 09, 2017 7:39 am
Forum: Investing - Help with Personal Investments
Topic: U.S. small cap value for taxable and tax sheltered accounts
Replies: 2
Views: 337

U.S. small cap value for taxable and tax sheltered accounts

What U.S. small cap value etf is the best in after tax returns for a taxable account and also what is the best U.S. small cap value etf in total returns for a tax sheltered account ?

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