Search found 1011 matches

by selftalk
Sat Jul 22, 2017 5:20 pm
Forum: Investing - Theory, News & General
Topic: My favorite CNBC program
Replies: 27
Views: 2332

Re: My favorite CNBC program

Strange Inheritance
by selftalk
Fri Jul 21, 2017 5:55 am
Forum: Investing - Theory, News & General
Topic: new Bogle written interview on marketwatch.com today 7/20/17
Replies: 17
Views: 1620

Re: new Bogle written interview on marketwatch.com today 7/20/17

When listening to Merriman`s podcast last night of the J. Bogle interview it is somewhat different than the written one on marketwatch both done by Paul Merriman. In the podcast, which is paraphrased also, Merriman says that Bogle just refuses to change his thinking about diversifying away from the ...
by selftalk
Thu Jul 20, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: new Bogle written interview on marketwatch.com today 7/20/17
Replies: 17
Views: 1620

Re: new Bogle written interview on marketwatch.com today 7/20/17

Taylor, you know John Bogle personally. What does he actually say and think about this quandary article ? Was Bogle misquoted ? Is it the tracking error thus Vanguard`s clients that stop him from recommending a sort of slice and dice portfolio to invest only in the VTSAX and keep them from disappoin...
by selftalk
Thu Jul 20, 2017 8:09 am
Forum: Investing - Theory, News & General
Topic: new Bogle written interview on marketwatch.com today 7/20/17
Replies: 17
Views: 1620

new Bogle written interview on marketwatch.com today 7/20/17

In this interview today on marketwatch.com by Paul Merriman he writes that Mr. Bogle advocates the major indices like the S&P 500 for people because people get very disappointed when their investments do not track the market in general. He wrote that Bogle said people are more concerned with tra...
by selftalk
Wed Jul 19, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: Most Americans don't trust financial advisers
Replies: 49
Views: 4048

Re: Most Americans don't trust financial advisers

Why should they? Our government cannot get a fiduciary bill passed. What does that tell you ?
by selftalk
Wed Jul 19, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5147

Re: When to stop being "concerned"

Now is the time to stop being concerned / worried. What good does worrying do? Nothing. Worry ages you and works against any good health you have. I say try to break the worry habit. It`s just a habit that can be broken. Go to Poor Richard`s Almanac and learn a very good technique to change habits. ...
by selftalk
Tue Jul 18, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: sleep number beds
Replies: 2
Views: 399

sleep number beds

Has anyone out there ever got a discount for their sleep number bed ? If so how much was it ?
by selftalk
Mon Jul 17, 2017 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking out loud
Replies: 30
Views: 3198

Re: Thinking out loud

gwrvmd, this book sounds like the way W. Buffett thinks and acts. Buffett`s father was very concerned about the purchasing power of the dollar.
by selftalk
Sun Jul 16, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking out loud
Replies: 30
Views: 3198

Re: Thinking out loud

stemikger, will you be receiving social security and a pension when you retire ? If so you may be fine just on that. That`s the way I govern my allocation. I`m retired and between my govt. pension and social security I`m able to still invest if I so desire which I have been doing. I`m 100% in VTI/VT...
by selftalk
Sat Jul 15, 2017 9:03 am
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 47
Views: 4588

Re: Is now time to move into international stocks?

That`s an impossible question to answer as no one knows what will happen in a few minutes and in years to come.
by selftalk
Sat Jul 15, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Time to dump State Farm agent?
Replies: 25
Views: 1974

Re: Time to dump State Farm agent?

You may want to get a quote from Erie as the rates are good and they are there for you if an accident occurs. Their service is excellent.
by selftalk
Sat Jul 15, 2017 8:50 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1830
Views: 1051872

Re: The Three-Fund Portfolio

Ask yourself : Is over weighting small caps chasing performance ? It may very well be. The 3 fund portfolio is very simple. Why not keep it that way ? In time it has a very high probability to get you to your financial goals. Don`t over think it.
by selftalk
Fri Jul 14, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1830
Views: 1051872

Re: The Three-Fund Portfolio

Human nature with regards to investing and/or emotion being as it is thinks that the more intricate and complicated something is the more profitable it will become. Boy has that ever been proven wrong time and again but human nature keeps on trying.
by selftalk
Fri Jul 14, 2017 7:28 am
Forum: Investing - Theory, News & General
Topic: Fascinating Morningstar Article - Mutual Fund Flows
Replies: 25
Views: 2539

Re: Fascinating Morningstar Article - Mutual Fund Flows

pkcrafter is right in that when the big bear strikes then the short sighted hot money that chased returns and good performing fashions in the market and bought the respective index funds and index etf`s with their low expense ratios will panic and sell just like it always has happened in history. Th...
by selftalk
Fri Jul 14, 2017 6:38 am
Forum: Investing - Theory, News & General
Topic: The CAPEable Portfolio!
Replies: 30
Views: 2241

Re: The CAPEable Portfolio!

Don`t you think that the large financial institutions who employ the brightest investment people from all over the world and provides them with the best up to date data bases and latest software have tried every conceivable way working day and night to enhance market returns and yet history shows th...
by selftalk
Wed Jul 12, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Wisdom Teeth Removal: Any experience?
Replies: 17
Views: 867

Re: Wisdom Teeth Removal: Any experience?

I was 52 at the time and 3 wisdom teeth were removed. It was real painful and I was on oxycodone pills. I could only eat with a teaspoon so I ate apple sauce. The result was that after everything settled down the right side of my jaw was permanently numb. I guess that the root of the tooth or teeth ...
by selftalk
Wed Jul 12, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 89
Views: 13774

Re: Roll call Warren Buffet 90/10 portfolio

I do remember Buffett saying on tv quite a while ago that he would rather make a bumpy 13% than a smooth 10%. This is his risk tolerance. He has also said that you should not buy a stock if you cannot stomach a 50% drop. In his 2014 Berkshire annual report pages 18-19 he writes that the protection o...
by selftalk
Wed Jul 12, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: Why Buffet likes S&P 500 Index over a TSM Index Fund?
Replies: 51
Views: 6566

Re: Why Buffet likes S&P 500 Index over a TSM Index Fund?

Do the long term returns of both get you to your financial goal ? That`s the main question. Since July of 1958 the S&P 500 adjusted for inflation and with dividends reinvested earned 6.627% annualized while the Dow 30 earned 6.402% same parameter. Not a great difference but it is a difference. T...
by selftalk
Tue Jul 04, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 10791

Re: What do you splurge on?

Always buying more shares of VTI even at these prices and never selling.
by selftalk
Sun Jul 02, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: sleep number bed vs. platform bed
Replies: 6
Views: 1033

sleep number bed vs. platform bed

What are your opinions on the sleep number beds vs. platform beds for comfort, your skeletal structure and durability ?
by selftalk
Thu Jun 29, 2017 5:45 am
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - Got a Question for Jack?
Replies: 28
Views: 4288

Re: Q&A WITH JACK BOGLE - Got a Question for Jack?

How is J. Bogle able to "stay the course" and do nothing when he is exposed to the markets constantly by interviews etc. and not succumb to the temptations of buying the latest hot items which are doing so well while his do nothing market wise in increasing in value.
by selftalk
Mon Jun 26, 2017 6:29 pm
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - Got a Question for Jack?
Replies: 28
Views: 4288

Re: Q&A WITH JACK BOGLE - Got a Question for Jack?

What does John Bogle think of equal weight S&P 500 funds compared to cap weighed S&P 500 funds ?
by selftalk
Sat Jun 03, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 9018

Re: Everything keeps going up, this feels too easy?

It`s probably nice to look at your stock portfolio and watch the net worth grow but what good does that do except to make you over confident and temp you to buy more than your IPS states. Don`t peek is still and always is the order of the day if you can discipline yourself not to peek.
by selftalk
Sat Jun 03, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: car oil changes a scam maybe ?
Replies: 18
Views: 1465

Re: car oil changes a scam maybe ?

I remember that when I used to change the motor oil myself the car always ran better afterwards. And when I washed my car it ran better being clean. It sure seems mental to me.
by selftalk
Sat Jun 03, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: car oil changes a scam maybe ?
Replies: 18
Views: 1465

Re: car oil changes a scam maybe ?

I don`t believe that the engines are ruined. Where`s the scientific proof ? I would like to see that and have it substantiated. This also reminds me of ALL Natural on packages of food when in fact it isn`t so.
by selftalk
Sat Jun 03, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: car oil changes a scam maybe ?
Replies: 18
Views: 1465

Re: car oil changes a scam maybe ?

All the car owners manuals years ago were all 7,500 miles as I remember.
by selftalk
Sat Jun 03, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: car oil changes a scam maybe ?
Replies: 18
Views: 1465

car oil changes a scam maybe ?

Does anyone out there really know the REAL science when it comes to the why`s and when`s in changing car oil ? It just seems to me that even this synthetic craze is a gimmick in addition to changing your car oil every 3, 000 miles. The dealer told me every 3,000 miles and I called Honda in Californi...
by selftalk
Sat Jun 03, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: How do you fight the urge to micromanage?
Replies: 57
Views: 4349

Re: How do you fight the urge to micromanage?

This has been a great thread and helps all of us to STAY THE COURSE. We will need to bring this thread up again in a severe bear market.
by selftalk
Fri Jun 02, 2017 5:30 pm
Forum: Investing - Theory, News & General
Topic: Bogle: Even indexing can be too much of a good thing
Replies: 25
Views: 4340

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

Even if a larger percentage of people index I don`t think it matters and may even be good for indexers who stay the course. Can you even imagine the carnage that will manifest itself when the market turns to bear and falls sharply. Over thousands of years human emotion is most probably the same. Buy...
by selftalk
Fri Jun 02, 2017 5:20 pm
Forum: Investing - Theory, News & General
Topic: John Bogle on WSJ podcast
Replies: 3
Views: 600

Re: John Bogle on WSJ podcast

Thank you James2. It`s always good to listen to Mr. Bogle on investing.
by selftalk
Fri Jun 02, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Time to Move Away from 3-Fund Portfolio?
Replies: 36
Views: 4228

Re: Time to Move Away from 3-Fund Portfolio?

If the risk is set the way you want it then it should stay as it is. The purchasing power of your money is still declining remember and most probably will continue to do so.
by selftalk
Fri Jun 02, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - Got a Question for Jack?
Replies: 28
Views: 4288

Re: Got a Question You'd Like to Ask Jack Bogle?

Does John Bogle presently feel the same about owning a total stock market international fund in that he has said in his book Common Sense On Mutual Funds and various interviews to stay away from owing ANY international investments in equities. He advocates owning no more than 20% rather reluctantly ...
by selftalk
Fri Jun 02, 2017 4:44 pm
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 66
Views: 8003

Re: Milestone and not peeking. . .

stemikger, Ahmen to that.
by selftalk
Mon May 29, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1398
Views: 245785

Re: What are you up YTD? [Year To Date]

I have no idea as I`m trying hard to do what J. Bogle advocated and that was "NO PEEKING." It does wonders for your emotions. I`m just trying to protect my future purchasing power of my finances by owning and dollar cost averaging VTI.
by selftalk
Sat May 27, 2017 7:21 pm
Forum: Investing - Theory, News & General
Topic: Eliminating Single Positions and Moving to Index Fund
Replies: 28
Views: 3323

Re: Eliminating Single Positions and Moving to Index Fund

Please remember that index funds go down in bear markets along with individual stocks.
by selftalk
Sat May 27, 2017 7:17 pm
Forum: Investing - Theory, News & General
Topic: History: Tulip Fever
Replies: 13
Views: 2064

Re: History: Tulip Fever

I remember when I lived in West Palm Beach, Florida in 2005, and I was watching the evening news and a segment came on saying that a condo changed hands 3 times in Miami that day at consecutively higher prices. It wasn`t long at all that the real estate prices began to plummet. I think the prices be...
by selftalk
Sat May 27, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: American Funds beat out Vanguard Index over lifetime?
Replies: 63
Views: 7597

Re: American Funds beat out Vanguard Index over lifetime?

If you have a financial goal of say $ 2,000,000 and the American Fund got you to $2,100,000 and the S&P 500 got you to $2,050,000 what`s the big deal. You still reached YOUR goal. That`s the important thing. I know it`s hard to dispense with GREED but we should and we should be satisfied that we...
by selftalk
Sat May 27, 2017 6:00 am
Forum: Investing - Theory, News & General
Topic: History: Tulip Fever
Replies: 13
Views: 2064

History: Tulip Fever

There`s a new movie coming out this summer called TULIP FEVER. It`s about the Holland tulip craze in the 1600`s where the people went crazy about tulips and the bidding up of the prices of them to astronomical heights and the subsequent collapse of that market. A book called EXTRAORDINARY POPULAR DE...
by selftalk
Wed May 24, 2017 5:02 pm
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 92
Views: 11345

Re: Zacks says sell Wellesley!?

If Zacks really knew he/she wouldn`t be peddling his/her opinion. His/her guess is as good as yours.
by selftalk
Wed May 24, 2017 4:58 pm
Forum: Investing - Theory, News & General
Topic: American Funds beat out Vanguard Index over lifetime?
Replies: 63
Views: 7597

Re: American Funds beat out Vanguard Index over lifetime?

I`m not against American Funds. They grow in time also and beat the index sometimes. We all know here that the future is unknown but unmistakably the index rises over time except for corrections and bear markets that can be quite long in duration. I feel a lot more comfortable owning index fund shar...
by selftalk
Wed May 24, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: American Funds beat out Vanguard Index over lifetime?
Replies: 63
Views: 7597

Re: American Funds beat out Vanguard Index over lifetime?

Think about this. We are investing for hopeful future returns of our monies after accounting for inflation which lessens our purchasing power aren`t we ? I don`t care that the American Funds beat the S&P 500 in the past or even for a lifetime. It`s Murphy`s Law that after YOU go ahead and buy th...
by selftalk
Tue May 23, 2017 9:35 am
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 92
Views: 11345

Re: Zacks says sell Wellesley!?

BHUser27, great article on the gurus. Everyone should read this and realize what J. Bogle said. He knows no one who can consistently predict the market. So many people refuse to believe that.
by selftalk
Tue May 23, 2017 7:46 am
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 92
Views: 11345

Re: Zacks says sell Wellesley!?

Again as Buffet wrote in his annual Berkshire report in 2014 I think it was " market forecasters will fill you ears but never your wallet."
by selftalk
Tue May 23, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: Market News Feeds Worth Reading?
Replies: 22
Views: 2032

Re: Market News Feeds Worth Reading?

Just ask yourself if reading and listening to market news in the past has benefited you in any way. I`d venture to say it made you impatient, emotional and most probably caused you to take action when it wasn`t at all prudent. Tune out the noise is the right way.
by selftalk
Mon May 22, 2017 4:16 pm
Forum: Investing - Theory, News & General
Topic: Market News Feeds Worth Reading?
Replies: 22
Views: 2032

Re: Market News Feeds Worth Reading?

Buffett said "market forecasters will fill your ear but never your wallet." How true that is. Select your allocation, stay the course and don`t peek.
by selftalk
Mon May 22, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 9847

Re: Home Country Bias...makes sense?

Walter Morgan told Bogle the truth ie. "Nobody knows nutt`in. Just purchase your allocation as you see fit, add to it when you can, don`t peekand go enjoy your life and hope for the best. That`s all you can do.
by selftalk
Sun May 21, 2017 5:19 pm
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 9847

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 selftalk
Sun May 21, 2017 11:47 am
Forum: Investing - Theory, News & General
Topic: "Why Value Stocks Have Disappointed"
Replies: 42
Views: 5652

Re: "Why Value Stocks Have Disappointed"

Read Bogel`s book Common Sense on Mutual Funds pages 231-232. The guru`s (experts) are trying to market time value stocks and found out what we already here know and what John Bogle has told us : " I don`t know anyone who can time the market consistently and in fact I don`t know anyone who know...
by selftalk
Sun May 21, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: to refinance or not for a small monthy cost
Replies: 12
Views: 479

Re: to refinance or not for a small monthy cost

Grabiner and jimb_fromATL thank you. You folks must have been math majors. I`ll refinance. Thank all of you for responding to my question. Is this a great website or what !
by selftalk
Sun May 21, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: to refinance or not for a small monthy cost
Replies: 12
Views: 479

Re: to refinance or not for a small monthy cost

The mortgage loan is $135,000. The extra payment of $ 45.00 monthly just seemed worth it common sense wise to reduce the time 5 years.

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