Search found 797 matches

by selftalk
Sun Dec 04, 2016 9:11 pm
Forum: Personal Consumer Issues
Topic: Casio G Shock radio wave solar watches
Replies: 11
Views: 1276

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: 5292

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: 1511

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: 1276

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: 5292

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: 2809

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: 3956

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: 3553

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 ...
by selftalk
Sun Nov 06, 2016 10:37 am
Forum: Personal Consumer Issues
Topic: Ashford watches good prices online
Replies: 9
Views: 1063

Re: Ashford watches good prices online

Thank you.
by selftalk
Wed Nov 02, 2016 6:13 pm
Forum: Personal Consumer Issues
Topic: Ashford watches good prices online
Replies: 9
Views: 1063

Ashford watches good prices online

Has anyone bought a wrist watch from Ashford online ? Was there any problem dealing with this Company with such things as their given 2 year warranties ? Their discounts seem good to be true for these fine watches. I`m interested in an Armand Nicolet self winding watch. Do self winding watches ever ...
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: 405

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: 11
Views: 1511

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: 11
Views: 1511

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: 7268

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: 307

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: 1177

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: 5183

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: 650

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: 98
Views: 10870

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: 3711

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: 2166

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: 3991

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: 333

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: 15079

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: 10023

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: 2564

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: 4350

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: 2589

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: 7617

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: 605

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: 2662

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: 3286

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: 3495

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: 30800

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: 1764

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: 30800

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: 14335

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: 14335

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: 6720

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: 2315

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: 1813

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: 3416

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: 5759

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: 11040

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: 25583

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: 919

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: 904

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: 919

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: 904

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: 5928

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...

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