Search found 715 matches

by selftalk
Sun Apr 17, 2016 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: new Bogle and Buffett interviews
Replies: 4
Views: 924

Re: new Bogle and Buffett interviews

Thank you Taylor.
by selftalk
Sun Apr 17, 2016 11:57 am
Forum: Investing - Theory, News & General
Topic: "Bogle's Folly"
Replies: 28
Views: 4607

Re: "Bogle's Folly"

Why in the world would you want to gamble with a managed fund when you can purchase an all market index fund ? It`s simply not worth the risk and could hurt your retirement nest egg. It`s real hard if not impossible to make up for the loss that you may have incurred. Me, I`d rather profit from John ...
by selftalk
Sat Apr 16, 2016 5:17 pm
Forum: Investing - Theory, News & General
Topic: "Bogle's Folly"
Replies: 28
Views: 4607

Re: "Bogle's Folly"

Thank you. That was very good.
by selftalk
Sat Apr 09, 2016 9:44 pm
Forum: Personal Consumer Issues
Topic: I'm Addicted [to investing and personal finance]
Replies: 64
Views: 8399

Re: I'm Addicted [to investing and personal finance]

I think you should get addicted to your knowledge of medicine and learning alternative healing and stay with the 3 fund approach.
by selftalk
Sat Apr 09, 2016 9:36 pm
Forum: Investing - Theory, News & General
Topic: S&P 500: 1964-2016 With & Without FOMC Days
Replies: 15
Views: 1842

Re: S&P 500: 1964-2016 With & Without FOMC Days

It means nothing in my opinion. Just keep buying.
by selftalk
Sat Apr 09, 2016 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Investing during recession
Replies: 32
Views: 2462

Re: Investing during recession

Just keep buying and ignore the market`s chatter and Don`t Peek after you buy and try to never peek.
by selftalk
Sat Apr 09, 2016 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: EPO vs. PPO?
Replies: 2
Views: 361

Re: EPO vs. PPO?

The EPO is fine with no catch. I have had it for 2 years now and I`m thoroughly satisfied and have used it numerous times for both me and my wife. I never met a physician who wouldn`t take that medical insurance. People usually do not read and compare their plan options and are thus uninformed at op...
by selftalk
Sat Apr 09, 2016 8:53 pm
Forum: Investing - Theory, News & General
Topic: Not Miller Time
Replies: 5
Views: 1454

Re: Not Miller Time

Peter Lynch said that most of the investors / speculators greatly underperformed his Fidelity Magellan Fund in its heyday by jumping in buying after prices rose and selling after prices have fallen. Bogle said instead of looking for the needle in the haystack why not buy the haystack and earn your s...
by selftalk
Sat Apr 09, 2016 8:38 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 56
Views: 4858

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

Hello Mr. Bogle. I`ve learned so very much from your teachings and your experiences via interviews and writings. I invest only in the Total Stock Market Index Fund and automatically reinvest all dividends and capital gains if any at the time of dispersion into that fund. My bond investment is totall...
by selftalk
Thu Apr 07, 2016 8:01 pm
Forum: Investing - Theory, News & General
Topic: Need S&P 500 total return calculator
Replies: 17
Views: 1477

Re: Need S&P 500 total return calculator

I think the S&P with 500 stocks was created in 1957. Before that there was a composite index beginning in 1923. Compounding is the name of the game for the best long term returns in that index. Warren Buffett in creating his will knows that also along with John Bogle. I read that Einstein said t...
by selftalk
Thu Apr 07, 2016 6:42 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads too conservative?
Replies: 135
Views: 13117

Re: Are Bogleheads too conservative?

Everyone can call me conservative but do I care. They call John Bogle conservative and he gladly admits he is that. Do you think he cares about being accused of being conservative ? I doubt it. Getting where I want to go matters and the less risk in getting there is important and sensible to me. Don...
by selftalk
Thu Apr 07, 2016 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Nuts? [to reallocate portfolio]
Replies: 31
Views: 2439

Re: Am I Nuts?

Is shorting index funds a long term investment? I don`t think so. You`re PLAYING the market in my opinion and are destined to lose. Get the 3 fund portfolio and go enjoy your life and stay away form individual stocks.
by selftalk
Sun Apr 03, 2016 6:58 pm
Forum: Investing - Theory, News & General
Topic: Financial burnout
Replies: 65
Views: 8650

Re: Financial burnout

You have to do what makes sense to you. Just realize what you`re sacrificing to do that and is it worth it to your whole family.
by selftalk
Sun Apr 03, 2016 6:45 pm
Forum: Investing - Theory, News & General
Topic: T. Rowe Price Active Management Betters Benchmarks
Replies: 24
Views: 2155

Re: T. Rowe Price Active Management Betters Benchmarks

I`ll stick with VTI / VTSAX and get my share of the market returns. Why should I stick my neck out on past data ?
by selftalk
Sun Apr 03, 2016 6:38 pm
Forum: Investing - Theory, News & General
Topic: Tony Robbins Joins Advisory Firm
Replies: 27
Views: 3282

Re: Tony Robbins Joins Advisory Firm

Do you honestly think Tony Robbins knows more about investing in securities than John Bogle. He`s a good marketer but probably not a good stock selector. John Bogle said that he never knew anyone who could beat the market and also never knew anyone who knew anyone who could beat the market. Tony Rob...
by selftalk
Sat Apr 02, 2016 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvest in taxable, when?
Replies: 11
Views: 938

Re: Reinvest in taxable, when?

Since I own only one fund VTI / VTSAX I don`t try to market time and I put the dividends and capital gains if any right back in automatically set with Vanguard to compound away. I don`t try to over think it at all as I most assuredly will be wrong as experience has shown.
by selftalk
Sat Apr 02, 2016 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: new Bogle and Buffett interviews
Replies: 4
Views: 924

new Bogle and Buffett interviews

Are there any new Bogle and Buffett interviews and/or writings within the last 3 months ?
by selftalk
Sat Apr 02, 2016 9:34 am
Forum: Investing - Theory, News & General
Topic: Thoughts on Ray Dalio's "All Weather Portfolio?"
Replies: 12
Views: 1390

Re: Thoughts on Ray Dalio's "All Weather Portfolio?"

For some reason people love complexity ( slice and dice ) over a simple approach. Both seem to work over the long term. But again NO ONE knows which way or which allocation will prove superior at various future time periods. Keeping it simple works fine for me as it`s sooo easy to manage and to me i...
by selftalk
Sat Apr 02, 2016 9:26 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 28
Views: 3347

Re: Jack Bogle - Two Fund Portfolio

My Jack Bogle portfolio consists of VTI / VTSAX and for the bond portion it`s my government pension and social security benefits and a very small money market fund at a local bank. That`s it and I feel no stress or doubts to change that even if the international index funds rise and out pace the U.S...
by selftalk
Fri Apr 01, 2016 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: SP 500 Index Fund vs Total Stock Market index fund
Replies: 55
Views: 12544

Re: SP 500 Index Fund vs Total Stock Market index fund

In the long term the returns have been almost identical. Of course that`s past history. Maybe buy both.
by selftalk
Fri Apr 01, 2016 5:27 pm
Forum: Investing - Theory, News & General
Topic: Anyone else feeling a correction brewing?
Replies: 60
Views: 5929

Re: Anyone else feeling a correction brewing?

I stopped peeking when John Bogle wrote about that. It`s been a lot less stressful.
by selftalk
Sun Mar 27, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: How do billionaires invest?
Replies: 50
Views: 6400

Re: How do billionaires invest?

After learning about the taxes to pay I personally would buy the Vanguard Total Stock Market Index fund and the Vanguard Total Bond Market Index Fund and put some money in a short term bond index fund for needed cash. The percentages in each asset class would go according to your sleeping point comf...
by selftalk
Sun Mar 20, 2016 8:56 am
Forum: Personal Consumer Issues
Topic: fasting for better health
Replies: 16
Views: 1174

fasting for better health

Has anyone out there fasted for better health ?
by selftalk
Fri Mar 04, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Coffeehouse meets Ultimate Buy & Hold (or how to increase international exposure)
Replies: 24
Views: 2098

Re: Coffeehouse meets Ultimate Buy & Hold (or how to increase international exposure)

I`ll stick to John Bogle`s total stock market index fund and forgo racking my brains out trying to select a better allocation and with an unknown future.
by selftalk
Fri Mar 04, 2016 8:17 pm
Forum: Investing - Theory, News & General
Topic: "Why IBM Moved to Indexing"
Replies: 22
Views: 4009

Re: "Why IBM Moved to Indexing"

Thank you Taylor.
by selftalk
Sun Feb 28, 2016 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Long term investments
Replies: 14
Views: 1309

Re: Long term investments

If it were me I`d choose between the 3 fund portfolio on this website or the 2 fund portfolio which is the total stock market index fund and the total bond market index fund (Vanguard funds) and allocate the percentage to your sleeping point. Keep it simple and at the lowest cost for you and then do...
by selftalk
Sun Feb 28, 2016 12:11 pm
Forum: Investing - Theory, News & General
Topic: Mid-caps and derivatives - New historical data
Replies: 29
Views: 2204

Re: Mid-caps and derivatives - New historical data

I do not believe there was any mid cap index going back to 1927. In fact some "authorities" say since 1927 the emerging markets have had the best performance. Again, there was no emerging market index way back then and in fact the emerging market mutual funds started around 1992. I think i...
by selftalk
Sat Feb 27, 2016 5:56 pm
Forum: Investing - Theory, News & General
Topic: Best reason why the market will always go up?
Replies: 66
Views: 6779

Re: Best reason why the market will always go up?

People in societies will always try to better their standard of living and health and hence more research and development resulting in better products and methods and newer companies coming on the stock markets.
by selftalk
Sat Feb 20, 2016 8:32 pm
Forum: Investing - Theory, News & General
Topic: MarketWatch's slice and dice portfolio
Replies: 17
Views: 1834

Re: MarketWatch's slice and dice portfolio

The funny thing about all this is that slice and dice and buy and hold has worked in the past. We actually have no idea which allocation will out do another given any future period of time. Poor results come from switching as has been documented.
by selftalk
Sat Feb 20, 2016 8:17 pm
Forum: Investing - Theory, News & General
Topic: Madoff--Ponzi Scheme
Replies: 37
Views: 4321

Re: Madoff--Ponzi Scheme

I think Madoff initially had a misuse of investor funds and borrowed some of his investors money to get the money back and then began losing in trading stocks and then borrowed more hoping to reverse the situation. Remember that most folks cannot beat the market. I`m sure Madoff knew that at the tim...
by selftalk
Sat Feb 20, 2016 7:50 pm
Forum: Investing - Theory, News & General
Topic: At what rate would you borrow to invest?
Replies: 81
Views: 6149

Re: At what rate would you borrow to invest?

I wouldn`t borrow at all. Just think if you borrowed at a zero rate and the stock went against you then you`d owe money over and above the money that you borrowed.
by selftalk
Sun Feb 14, 2016 10:02 am
Forum: Investing - Theory, News & General
Topic: S&P500 has basically gone nowhere for 15 years
Replies: 59
Views: 6835

Re: S&P500 has basically gone nowhere for 15 years

Ok and now the answer to your question in numbers only: Over the last 15 years for the S&P 500 : Total return 42.527 % Annualized return 2.391% Total return dividends reinvested 89.781% Annualized return dividends reinvested 4.364% Adjusted for inflation over the last 15 years: Total return 5.31...
by selftalk
Sun Feb 14, 2016 9:35 am
Forum: Investing - Theory, News & General
Topic: Should I invest anymore money- Theoretical Question
Replies: 23
Views: 2621

Re: Should I invest anymore money- Theoretical Question

Inflation is always your silent enemy so I`d keep investing if I were you.
by selftalk
Thu Feb 11, 2016 6:50 pm
Forum: Investing - Theory, News & General
Topic: VIX Index
Replies: 22
Views: 1568

Re: VIX Index

You have to use the vix in conjunction with the S&P or djia. The higher the vix usually the major indices are overbought. A decent buy signal.
by selftalk
Thu Feb 11, 2016 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 96
Views: 10362

Re: What is your decline in Net Worth as of today?

I don`t have the foggiest.
by selftalk
Thu Feb 04, 2016 4:53 pm
Forum: Investing - Theory, News & General
Topic: If SS covers expenses why invest?
Replies: 64
Views: 4857

Re: If SS covers expenses why invest?

Do you think that your social security benefits today will cover the same expenses you have now in the future ? Hasn`t the purchasing power of the dollar declined over the years ? Think about that.
by selftalk
Wed Feb 03, 2016 9:20 pm
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 36
Views: 3545

Re: How to stop MS loading Windows 10?

I called Microsoft and the rep stopped it .
by selftalk
Sun Jan 31, 2016 10:24 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX vs VTI [Vanguard Total Stock Market - Mutual fund vs. ETF]
Replies: 27
Views: 11092

Re: VTSAX vs VTI

For me the main difference I was concerned about was the fact that the ETFs could be bought or sold during the market open hours. I heard on the car radio the other day that the market was down interday 500 or so points but ended the day down 250 points. If I was so inclined to buy I would want to g...
by selftalk
Sun Jan 31, 2016 10:08 am
Forum: Investing - Theory, News & General
Topic: Graham's "margin of safety" for US stocks (1-29-16)
Replies: 61
Views: 10317

Re: Graham's "margin of safety" for US stocks (1-29-16)

I just keep on buying no matter what as I realize " nobody knows noth`in" in this game when it comes to pinpointing tops and bottoms. It is clear to me from reading this website over time that scores of folks will keep trying to find the tops and bottoms infinitum. If the professionals can...
by selftalk
Sat Jan 23, 2016 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 80
Views: 5655

Re: Going from 50/50 US/Int to All US

I`d be willing to bet that if the international asset class was doing what the all U.S. asset class was doing you wouldn`t consider selling the international one now. I say keep what you have and just keep adding to the U.S. asset class only from now on if you are no longer interested in increasing ...
by selftalk
Thu Jan 21, 2016 9:14 pm
Forum: Investing - Theory, News & General
Topic: Why buy now, why not wait until the market really crashes??
Replies: 79
Views: 9746

Re: Why buy now, why not wait until the market really crashes??

I would venture to say that John Bogle tried everything to get his returns up and his funds returns up way back when in about 1972 or so. He was fortunate enough to have loads of resources at his disposal to use that we all cannot use or afford and that really did not help him. In other words he did...
by selftalk
Thu Jan 21, 2016 6:54 pm
Forum: Investing - Theory, News & General
Topic: Why buy now, why not wait until the market really crashes??
Replies: 79
Views: 9746

Re: Why buy now, why not wait until the market really crashes??

Does anyone think that John Bogle knows about moving averages as mentioned in these previous charts to predict bull and bear markets ? I`m sure he does but I bet he does not use them as they are not fool proof. It would be nice to hear what he has to say about them.
by selftalk
Wed Jan 06, 2016 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Needs HELP! [Planning a budget]
Replies: 15
Views: 1333

Re: Friend Needs HELP!

Make the minimum monthly payments to B of A and Discover and the rest of the money for the credit card debt monthly to Citi. Pay the most money to the highest interest charge card until it`s paid off etc.
by selftalk
Wed Jan 06, 2016 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Paul Merriman's Sound Investing advise in this and all markets
Replies: 29
Views: 4011

Re: Paul Merriman's Sound Investing advise in this and all markets

He`s a slicer and dicer and if the market rises over the coming years it will most probably rise with it. I favor simplicity though in the number of funds I own shares in. One well diversified index fund does it for me in stocks.
by selftalk
Wed Jan 06, 2016 6:09 pm
Forum: Investing - Theory, News & General
Topic: [Market] Correction...Corection...Correction
Replies: 103
Views: 10258

Re: Correction...Corection...Correction

It`s most likely harmful financially to pay attention to the market. I`ll say it again said John Bogle "Don`t peek and stay the course."
by selftalk
Wed Jan 06, 2016 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Replacing some total-stock funds with high yield muni funds
Replies: 24
Views: 2001

Re: Replacing some total-stock funds with high yield muni funds

I surely would not do what you are thinking of doing. I would just hold what you have now and stop over thinking yourself.
by selftalk
Tue Jan 05, 2016 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: VTCLX for taxable and VTSAX / VTI for tax shelter
Replies: 14
Views: 1426

Re: VTCLX for taxable and VTSAX / VTI for tax shelter

grabiner, thank you for your explanation especially the last paragraph in your thread right above this one I just wrote. It now makes me wonder somewhat that Warren Buffett in his published statement about his will wanting his wife to have the Vanguard S&P 500 Fund and not the Vanguard Tax Manag...

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