Search found 839 matches

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: 3560

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: 3164

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: 280

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: 723

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: 723

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: 2425

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: 2425

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: 2425

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: 313

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 ?
by selftalk
Sun Jan 08, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: difference between DFE and DLS
Replies: 3
Views: 389

Re: difference between DFE and DLS

Thank all of you for your input.
by selftalk
Sat Jan 07, 2017 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Morningstar instant x ray not working at all
Replies: 3
Views: 335

Re: Morningstar instant x ray not working at all

Thanks Livesoft and Duckie. It works on the second time around. What a great website this is.
by selftalk
Fri Jan 06, 2017 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Morningstar instant x ray not working at all
Replies: 3
Views: 335

Morningstar instant x ray not working at all

I went to Morningstar instant x ray and put in the fund and no numbers came up in the style boxes and put in other symbols but to no avail. Am I doing something wrong ? It used to work fine but now it`s not. Any suggestions ?
by selftalk
Fri Jan 06, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: difference between DFE and DLS
Replies: 3
Views: 389

difference between DFE and DLS

I`m looking for a good international developing markets small cap value etf. Does anyone know the difference between DFE and DLS ? Morningstar xray told me nothing. I don`t have any DFA funds. Thank you.
by selftalk
Wed Jan 04, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard International Small Cap Value etf or fund
Replies: 13
Views: 580

Re: Vanguard International Small Cap Value etf or fund

Thank you Livesoft. What is D.N.E saltycaper ?
by selftalk
Wed Jan 04, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard International Small Cap Value etf or fund
Replies: 13
Views: 580

Vanguard International Small Cap Value etf or fund

What is the closest Vanguard fund for international small cap value ?
by selftalk
Wed Jan 04, 2017 6:28 am
Forum: Investing - Help with Personal Investments
Topic: IRA ROTH QUESTION
Replies: 2
Views: 264

IRA ROTH QUESTION

If one spouse is working and has no existing Roth IRA and the other is retired and has an existing Roth account from when he/she was employed then can the presently working spouse fund the retired persons Roth account yearly ? Please note that the income taxes are filed jointly.
by selftalk
Tue Jan 03, 2017 6:50 pm
Forum: Investing - Theory, News & General
Topic: Avoiding Buyers Remorse Completely
Replies: 7
Views: 1499

Re: Avoiding Buyers Remorse Completely

Yep, STAY THE COURSE and follow your created allocation and be strict with it. That may be the best approach now that I have gotten more input from you folks. That should make you aware of any hacking as Nedsaid said. Thank you.
by selftalk
Tue Jan 03, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Avoiding Buyers Remorse Completely
Replies: 7
Views: 1499

Re: Avoiding Buyers Remorse Completely

As Nedsaid hackers are a concern so maybe I`ll look at my asset allocation at the beginning of each new year i I have money to add but I really don`t want to look as emotions will arise both good and negative. So far so good !
by selftalk
Sun Jan 01, 2017 5:58 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 17453

Re: frustrating to keep investing in international/EM

larryswedroe, your logic seems perfectly correct to me. I guess it`s possible that the U.S. market can be another Japan market with no recovery back to the high since I believe December of 1989. Have any Japanese investors with their country bias been dollar cost averaging some 26 years ? Now that`s...
by selftalk
Sun Jan 01, 2017 5:27 pm
Forum: Investing - Theory, News & General
Topic: Avoiding Buyers Remorse Completely
Replies: 7
Views: 1499

Avoiding Buyers Remorse Completely

This year I`ve added a written sentence to my IPS to hopefully enhance my returns and not let emotions cause me any mental pain in investing and that is --- "after I finish making my Roth contribution tomorrow for the new year and buying the asset class I`ve chosen, I will NOT PEEK at it until ...
by selftalk
Thu Dec 29, 2016 6:56 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 17453

Re: frustrating to keep investing in international/EM

Trev H, I understand what you`re saying. I have 1 question to ask you. If a person had a portfolio only of U.S. small value, developed international market small value and emerging market small value each 33 1/3 % and was rebalanced yearly how did the performance look over the last 20 years since I ...
by selftalk
Thu Dec 29, 2016 5:42 pm
Forum: Investing - Theory, News & General
Topic: All your eggs in one basket vs. concern about being hacked?
Replies: 41
Views: 4151

Re: All your eggs in one basket vs. concern about being hacked?

I wonder if conservative and cautious John Bogle has all his accounts with Vanguard. Maybe he`ll say something in an upcoming interview.
by selftalk
Thu Dec 29, 2016 5:34 pm
Forum: Investing - Theory, News & General
Topic: pe ratios of VXUS and VTI
Replies: 3
Views: 421

Re: pe ratios of VXUS and VTI

Once again it seems you can`t come to a logical decision and that`s maybe one of the reasons John Bogle stays only in the U.S. By the way thanks for your response lack_ey. It was informative. It just seemed very tempting to purchase the total international asset class compared to the total U.S. mark...
by selftalk
Thu Dec 29, 2016 4:12 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 17453

Re: frustrating to keep investing in international/EM

One day does not a market make !
by selftalk
Thu Dec 29, 2016 4:10 pm
Forum: Investing - Theory, News & General
Topic: pe ratios of VXUS and VTI
Replies: 3
Views: 421

pe ratios of VXUS and VTI

I had an inkling to check out the P E Ratios of international and the American market. The VTI is listed as 24 while the international is 20.5 per Vanguards website. With the international really under performing for a number of years you`d think that the P E Ratio would be quite a lot lower but it ...
by selftalk
Wed Dec 28, 2016 8:08 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 17453

Re: frustrating to keep investing in international/EM

I wonder if you would feel the same way if international was doing very well for the last 2 years verses the good old U.S. Anyway you have to do what you think is good for you.
by selftalk
Wed Dec 28, 2016 7:16 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 17453

Re: frustrating to keep investing in international/EM

Since adding up Trevor`s numbers the international gained in total 312.44 points while U.S. gained 305.14. John Bogle was right as usual. Both over the long term in this case 42 years resulted in basically a wash or as he puts it just noise. So then it paid to purchase the under performer when inves...
by selftalk
Wed Dec 28, 2016 5:57 am
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 17453

Re: frustrating to keep investing in international/EM

Firechief, you said it all by "throwing in the towel" on international. "They" wore your patience out and you violated your Investor Policy Statement. I`ve been all U.S. but you have me thinking now to buy some international but I really don`t want to violate my IPS.
by selftalk
Tue Dec 27, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 17453

Re: frustrating to keep investing in international/EM

In John Bogle`s book Common Sense On Mutual Funds on pages 235 - 236 Mr. Bogle addresses this international investing concern pretty well. Here we have to use history all the while knowing that the past is most likely to not repeat exactly in the future. Over the past 38 years ending in year 1997 th...
by selftalk
Tue Dec 27, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: O`Shares and John Bogle
Replies: 9
Views: 1277

Re: O`Shares and John Bogle

Ok folks. I`m sticking with my VTI. Thanks for all your responses.
by selftalk
Mon Dec 26, 2016 5:51 am
Forum: Investing - Theory, News & General
Topic: O`Shares and John Bogle
Replies: 9
Views: 1277

O`Shares and John Bogle

Does anyone know if John Bogle has said anything about O` Shares ( OUSA) especially the U.S. ones ?
by selftalk
Mon Dec 26, 2016 5:46 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 6989

Re: My Christmas Gift to You.

Thank you for your service Taylor. Some people don`t realize how lucky they are to be living in the U.S.
by selftalk
Wed Dec 21, 2016 4:32 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1651
Views: 886123

Re: The Three-Fund Portfolio

Unfortunately a lot of folks are PEEKING at this time and seeing how the international arena is under performing the U.S. and are getting worried and impatient. We`ve read a lot about the performances of different asset classes on this website and intellectually we all know about reversion to the me...
by selftalk
Wed Dec 21, 2016 4:22 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 17453

Re: frustrating to keep investing in international/EM

The slice and dicers need to be very patient with international securities as they will have their day in the sun and people like me who own only VTI / VTSAX although looking good NOW will eventually be frustrated when the U.S. markets do nothing for a long period of time. Read your IPS and follow it.
by selftalk
Sat Dec 17, 2016 3:59 pm
Forum: Investing - Theory, News & General
Topic: Over the last 40 years, 71% of the stock market's return came from dividends, not capital appreciation,"
Replies: 91
Views: 8066

Re: Over the last 40 years, 71% of the stock market's return came from dividends, not capital appreciation,"

Really good article. I would like John Bogle to evaluate the U.S. O`Shares (OUSA) versus the Total Stock Market Index Fund.Compounding is very important.
by selftalk
Sat Dec 17, 2016 3:21 pm
Forum: Investing - Theory, News & General
Topic: is there an interview with J. Bogle, Charles Ellis and Burton Malkiel ?
Replies: 4
Views: 610

Re: is there an interview with J. Bogle, Charles Ellis and Burton Malkiel ?

I read that book Taylor maybe a year or so ago and both Ellis and Malkiel were supporters of the total global index funds. I just thought it would be interesting to see all 3 debate this global versus total market index fund. Of course all 3 are very learned in investing. I`m now reading Charles Ell...
by selftalk
Fri Dec 16, 2016 8:38 pm
Forum: Investing - Theory, News & General
Topic: is there an interview with J. Bogle, Charles Ellis and Burton Malkiel ?
Replies: 4
Views: 610

is there an interview with J. Bogle, Charles Ellis and Burton Malkiel ?

I would like to see an interview with John Bogle, Charles Ellis and Burton Malkiel. Basically it would be good to hear a discussion of Bogle recommending no international stocks verses Charles Ellis and Burton Malkiel recommending a total world fund. Is there such an interview with all three together?
by selftalk
Wed Dec 14, 2016 9:07 pm
Forum: Investing - Theory, News & General
Topic: Why risk slicing and dicing at all
Replies: 52
Views: 4424

Re: Why risk slicing and dicing at all

Taylor thank you for finding that letter to Mr. Bogle and his reply. I couldn`t have backed that letter up since I didn`t have a date to search for it on this website. I did however try to find the person that wrote it but to no avail. I was glad to see that some folks looked at it the same way I did.
by selftalk
Mon Dec 12, 2016 3:33 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 190
Views: 80410

Re: A time to EVALUATE your jitters

I have read that dividends comprise 44% of the total return.
by selftalk
Mon Dec 12, 2016 3:26 pm
Forum: Investing - Theory, News & General
Topic: Why risk slicing and dicing at all
Replies: 52
Views: 4424

Why risk slicing and dicing at all

On this website there was a letter written to Mr. Bogle by Jerry K.of which I do not know the date, asking about placing greater emphasis on some of the riskier market segments such as small cap stocks at which time Mr. Bogle responded."SCV ( small cap value) underperformed the S&P 500 from...
by selftalk
Sun Dec 11, 2016 7:15 am
Forum: Investing - Theory, News & General
Topic: Investment books I have read.
Replies: 46
Views: 9249

Re: Investment books I have read.

It seems to me after much pondering that all this intellectualizing on the markets and tons of time spent on it, the most precious commodity, is for naught in achieving the very best returns via speculating and / or investing in the financial markets of the world. Owning a well diversified low cost ...
by selftalk
Sun Dec 04, 2016 9:11 pm
Forum: Personal Consumer Issues
Topic: Casio G Shock radio wave solar watches
Replies: 11
Views: 1534

Re: Casio G Shock radio wave solar watches

Thanks to all that responded. I bought the watch and am thoroughly satisfied with it`s performance so far. Does anyone know if the watch face has to point to the direction of Denver to receive the signal / radio wave to reset the exact time or can it point in another direction from the window sill a...
by selftalk
Wed Nov 30, 2016 11:21 am
Forum: Investing - Help with Personal Investments
Topic: I market timed & learned. Any Advice?
Replies: 52
Views: 5531

Re: I market timed & learned. Any Advice?

Now that you bought everything back you must stop looking at financial news and if you don`t you will experience the same emotions you had before and there`s a good chance you will sell again.Fear is a powerful motivator. "Don`t peek" as John Bogle has said.
by selftalk
Sun Nov 27, 2016 8:32 pm
Forum: Personal Consumer Issues
Topic: water filter for a home
Replies: 11
Views: 1626

Re: water filter for a home

Thanks everyone. I got Culligan to install a water filter in the kitchen only.
by selftalk
Sun Nov 27, 2016 8:09 pm
Forum: Personal Consumer Issues
Topic: Casio G Shock radio wave solar watches
Replies: 11
Views: 1534

Casio G Shock radio wave solar watches

Has anyone had any problems with Casio G Shock radio wave solar wrist watches ?
by selftalk
Thu Nov 17, 2016 11:36 am
Forum: Investing - Help with Personal Investments
Topic: I market timed & learned. Any Advice?
Replies: 52
Views: 5531

Re: I market timed & learned. Any Advice?

This is a very good thread for everyone to learn from.
by selftalk
Thu Nov 17, 2016 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Rate my portfolio VTI 60%, VXUS 30%, BND 10%
Replies: 39
Views: 2958

Re: Rate my portfolio VTI 60%, VXUS 30%, BND 10%

I think that your allocation is the Second Graders allocation on the Lazy Portfolio on Market Watch.com. Don`t over think it. I`m sure it`ll be fine long term if nobody "pushes the button."
by selftalk
Mon Nov 14, 2016 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: EM buying opportunity? [Emerging Markets]
Replies: 35
Views: 4071

Re: EM buying opportunity?

Why not buy a total world etf or fund and forget all this market timing ?
by selftalk
Sun Nov 13, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Warren Buffett Does Recommend The 90/10 Portfolio
Replies: 30
Views: 3646

Re: Warren Buffett Does Recommend The 90/10 Portfolio

I believe that Warren Buffett means the 90% 10% literally. He`s also said in the past not to own stocks if you cannot stand a paper loss of 50%. He`s also said that he`d rather get a bumpy 13% growth rather than a 10% smooth return. He`s obviously looking long term which is rising equity values and ...

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