Search found 787 matches

by selftalk
Fri Sep 09, 2016 5:35 pm
Forum: Investing - Theory, News & General
Topic: rebalancing now in a simple 2 fund portfolio and/or a 3 fund portfolio
Replies: 1
Views: 376

rebalancing now in a simple 2 fund portfolio and/or a 3 fund portfolio

If you have a fixed allocation consisting of the total stock market index fund and the total bond market index fund it would be time to rebalance judging from the returns recently and you`d be buying the total bond market and selling some of the total stock market. It would hard to do this emotional...
by selftalk
Sun Sep 04, 2016 5:14 pm
Forum: Personal Consumer Issues
Topic: water filter for a home
Replies: 10
Views: 1135

Re: water filter for a home

I have city water and am interested in filtering water to drink and take a shower in. I want to remove chlorine, lead. arsenic, pharmaceuticals etc.
by selftalk
Sun Sep 04, 2016 9:28 am
Forum: Personal Consumer Issues
Topic: water filter for a home
Replies: 10
Views: 1135

water filter for a home

What water filter is very good for a home that does all the water?
by selftalk
Sat Sep 03, 2016 9:03 pm
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6642

Re: Frustrated Losing Weight!

Go to dr. john mcdougall.com and look for the education heading and click on success stories. Gustav on this lost 70 lbs. It`s the healthiest way to eat for humans. It`s patterned after the research done by Dr. Walter Kempner at Duke University.
by selftalk
Thu Aug 25, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: jean richard wrist watch
Replies: 0
Views: 181

jean richard wrist watch

Does anyone own a Jean Richard wrist watch ? If so how does it run and are there any problems with it.
by selftalk
Tue Aug 23, 2016 5:26 pm
Forum: Investing - Theory, News & General
Topic: rebalancing into frontier markets
Replies: 12
Views: 1154

rebalancing into frontier markets

Is anyone buying the asset class of the frontier markets etf ? I am thinking about rebalancing into that with new funds since it has underperformed the emerging markets total return for the 1, 2, and 3 year time periods.
by selftalk
Fri Aug 19, 2016 8:20 pm
Forum: Investing - Theory, News & General
Topic: Why is Soros betting against the market (shorting SPY)?
Replies: 33
Views: 4908

Re: Why is Soros betting against the market (shorting SPY)?

Many months ago George Soros shorted the SPY and he appears to be doing it again maybe adding to his short position. He was wrong before and he may be wrong now. He doesn`t really know of course and is using his best judgment as everyone else does. This is why we all should hold our positions with w...
by selftalk
Tue Aug 16, 2016 3:03 pm
Forum: Investing - Theory, News & General
Topic: Advertisement for Weiss Safe Money Report?
Replies: 6
Views: 605

Re: Advertisement for Weiss Safe Money Report?

I`d run the other way quickly. If those people knew what to do they wouldn`t be selling anything.
by selftalk
Thu Aug 11, 2016 4:10 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 84
Views: 7625

Re: How much international stock? A suggestion.

Taylor. I read what you wrote. Didn`t John Bogle say in his books that basically it was more risky to invest internationally due to political happenings, changing currency values, accounting methods etc.? I think he said if you want to or must invest internationally then do no more than 20% but he w...
by selftalk
Thu Aug 11, 2016 3:56 pm
Forum: Investing - Theory, News & General
Topic: Anyone looking at changing AA in presence of Current Valuations?
Replies: 71
Views: 3456

Re: Anyone looking at changing AA in presence of Current Valuations?

The tips and emerging markets seem to offer the best value at this time longer term but both are not cheap now. I `m sitting with VTI 100% as I have been for over 1 year but I do plan as my IPS states to keep owning only that. So I have to prepare myself for a very large bear market as surely it wil...
by selftalk
Tue Aug 09, 2016 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: More Noise For The Faint Hearted!
Replies: 15
Views: 2083

Re: More Noise For The Faint Hearted!

It appears that Q E is alive and well in the UK, Russia and Japan whose central bank was reported to be buying U.S. blue chips. So it seems that the markets here may well continue to rise higher but when will the music stop I don`t have any idea.
by selftalk
Fri Aug 05, 2016 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: No faith in stocks/bonds - Where to park cash?
Replies: 38
Views: 3820

Re: No faith in stocks/bonds - Where to park cash?

Amen to that Taylor ! I`ve learned that also. I now only own VTI / VTSAX and nothing else in stocks and no selling for me. Only holding and buying same.
by selftalk
Sat Jul 30, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: berkey travel water purifier
Replies: 3
Views: 281

berkey travel water purifier

Does anyone use a Berkey Travel water purifier and if so how satisfied are you with it ?
by selftalk
Wed Jul 27, 2016 2:13 pm
Forum: Investing - Theory, News & General
Topic: are the markets overvalued? Are Grantham/Hussman etal correct?
Replies: 222
Views: 14371

Re: are the markets overvalued? Are Grantham/Hussman etal correct?

How did Louis Rukeyser`s elves do at predicting the markets ? Again, John Bogle said that he can`t predict the time to sell and he knows of no one who can do this but by accident. Why beat your head against a wall. Just DCA and simmer down.
by selftalk
Wed Jul 27, 2016 2:02 pm
Forum: Investing - Theory, News & General
Topic: How can markets keep going up ?
Replies: 131
Views: 9493

Re: How can markets keep going up ?

It`s climbing a wall of worry now which will eventually correct but no one knows when. Enjoy the ride while it lasts.
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: 2456

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: 4255

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: 2537

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: 75
Views: 7387

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: 564

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: 13
Views: 2609

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: 3216

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: 3321

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: 29619

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: 1714

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: 29619

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: 13763

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: 13763

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: 6421

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: 2213

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: 1760

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: 3302

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: 5500

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: 88
Views: 10586

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: 226
Views: 24603

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: 879

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: 869

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: 879

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: 869

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: 5725

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: 2424

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: 8766

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: 818

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: 8766

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: 8766

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: 818

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: 4492

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: 4492

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: 2170

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: 2170

Tag Heuer wrist watch

Does anyone out there have a Tag Heuer wrist watch and if so how long and how is its performance ?

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