Search found 678 matches

by selftalk
Thu Feb 04, 2016 4:53 pm
Forum: Investing - Theory, News & General
Topic: If SS covers expenses why invest?
Replies: 64
Views: 4180

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: 32
Views: 2462

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: 9303

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: 9807

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: 5176

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: 9213

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: 9213

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: 1280

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: 3809

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: 9767

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: 1810

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: 1277

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...
by selftalk
Tue Jan 05, 2016 7:20 am
Forum: Investing - Theory, News & General
Topic: people just love predictions
Replies: 16
Views: 1109

people just love predictions

I remember in college that the professor in business school told us that many years ago a gathering of 50 of this Country`s top business leaders were asked to make a prediction of the future and put it in a sealed envelope which will be opened 50 years henceforth. This was done and now the results :...
by selftalk
Tue Jan 05, 2016 7:05 am
Forum: Investing - Theory, News & General
Topic: When will Value outpeform Growth?
Replies: 62
Views: 5037

Re: When will Value outpeform Growth?

The best answer I can think of is it will happen when it happens. To solve this I buy the whole market with VTI / VTSAX and don`t think about it. That`s what I`ve learned from my experience in doing and reading. Slicing and dicing can be trying at times and I don`t do it anymore.
by selftalk
Tue Jan 05, 2016 6:57 am
Forum: Investing - Theory, News & General
Topic: $3k to $50m strategy
Replies: 52
Views: 7425

Re: $3k to $50m strategy

Any way you look at it compounding is a beauty but in order for that to happen you have to stay put and not trade and be prepared to watch "the paint dry."
by selftalk
Tue Jan 05, 2016 6:43 am
Forum: Investing - Theory, News & General
Topic: Article: Stocks overvalued and could see 50%+ drop
Replies: 29
Views: 3977

Re: Article: Stocks overvalued and could see 50%+ drop

All these predictions over the years most probably have cost investors and financial institutions billions.When one of these gurus gets it right then they get a high paying job for a while until they get it wrong again a fade into the sunset like Elaine Garzarelli has done. Bogle wins again with DON...
by selftalk
Tue Jan 05, 2016 6:27 am
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 126
Views: 4199

Re: 2016 hedge fund contest

Ok, I see . When the entrants in this contest fail to see positive results then they will see how hard it is to make money trading.
by selftalk
Mon Jan 04, 2016 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Lottery - lump sum or annual payout?
Replies: 75
Views: 6046

Re: Lottery - lump sum or annual payout?

I would take a lump sum to eliminate worrying about the solvency of the payor. I read a little while ago that the person who won the Illinois lottery couldn`t be paid yet as there were no funds at that time. Perhaps that has changed by now.
by selftalk
Mon Jan 04, 2016 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing % of Three Fund Portfolio
Replies: 17
Views: 1413

Re: Choosing % of Three Fund Portfolio

Ah, Taylor to be 28 again and to know how to invest the right way. I`m doing it now though. You just cannot believe how so very slowly but surely this website has made my investing nowadays so easy and productive and with so much understanding. I never would have believed that I would have such a de...
by selftalk
Mon Jan 04, 2016 6:33 pm
Forum: Personal Consumer Issues
Topic: How do you have fun?
Replies: 73
Views: 5159

Re: How do you have fun?

One of the ways is to be on the beach with good food and a very good friend and talking about everything past and future.
by selftalk
Mon Jan 04, 2016 6:13 pm
Forum: Investing - Theory, News & General
Topic: Thanks China!
Replies: 40
Views: 5258

Re: Thanks China!

I bought VTI in my Roth account when the DOW was -350 this afternoon at $ 102.33 as it was almost at the extremes of pessimism. I say thanks China also! I do understand it may go lower but at least I didn`t buy after some kind of a rally. The DOW is about 6 1/2 % from its all time high as of the clo...
by selftalk
Mon Jan 04, 2016 6:04 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 126
Views: 4199

Re: 2016 hedge fund contest

Just why are you encouraging people to watch the markets closely . Don`t you think making fictitious trades eventually encourages folks to trade? This website in my opinion is supposed to teach and encourage people to invest sensibly. As you may surmise I am disappointed.
by selftalk
Mon Jan 04, 2016 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: How would you invest $10k Roth cash today?
Replies: 15
Views: 1678

Re: How would you invest $10k Roth cash today?

I`d buy either VTI or VTSAX today as the market has panicked 400 or so points and is deeply oversold on the daily chart. However it may go lower but this price is lower than it was recently so at least you wouldn`t be buying at the euphoria high point.
by selftalk
Sun Jan 03, 2016 10:06 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 646
Views: 14425

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

The stars tell me 2171.68 If I win I would like an all expense paid trip to Miami to meet Taylor.
by selftalk
Sun Jan 03, 2016 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Taxable v Tax-Advantaged
Replies: 7
Views: 757

Re: Taxable v Tax-Advantaged

Fill up the 401k and Roth first and then go to taxable. That`s what I would do.
by selftalk
Sun Jan 03, 2016 9:41 am
Forum: Investing - Help with Personal Investments
Topic: VTCLX for taxable and VTSAX / VTI for tax shelter
Replies: 14
Views: 1277

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

billdickason I went to Morningstar.com to compare the TOTAL RETURN of VFIAX and VTCLX as both of these are very close in make up (large cap blend only). For the last 10 years VFIAX returned $20,228 while VTCLX returned $20,431. VTSAX which is a blend of roughly 75% large,15% medium and 10% small cap...
by selftalk
Sat Jan 02, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Juice/Smoothie Recipes
Replies: 11
Views: 1024

Re: Juice/Smoothie Recipes

Your local library has books on it with recipes.
by selftalk
Sat Jan 02, 2016 8:01 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 110
Views: 7948

Re: frustrating to keep investing in international/EM

If human nature is any indicator the answer is probably not.
by selftalk
Sat Jan 02, 2016 7:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: the beginning of bogleheads website
Replies: 3
Views: 527

the beginning of bogleheads website

When did this website begin?
by selftalk
Sat Jan 02, 2016 7:42 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 110
Views: 7948

Re: frustrating to keep investing in international/EM

abuss368, in my opinion you are doing the right thing. I have only VTSAX and VTI along with a government pension and social security benefits and plan never to make any changes.
by selftalk
Sat Jan 02, 2016 7:36 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 110
Views: 7948

Re: frustrating to keep investing in international/EM

"Peeking" can sure be a killer to your financial health.
by selftalk
Sat Jan 02, 2016 6:31 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 110
Views: 7948

Re: frustrating to keep investing in international/EM

On this website I hear about diversifying globally all year long except now that the year is up it seems that a lot of the global stock holders are having second thoughts and this is definitely emotions rising to the surface and entering into the previous well thought out investment decisions by buy...
by selftalk
Sat Jan 02, 2016 10:56 am
Forum: Personal Finance (Not Investing)
Topic: A dead year, never get it back
Replies: 84
Views: 7242

Re: A dead year, never get it back

To me it sounds like your impatience will break you. Read about long term investing and go online to UTUBE and listen to interviews from John Bogle, Warren Buffett and Charlie Munger. If you cannot do what they suggest then I believe you should maybe give up speculating /investing in the market all ...
by selftalk
Sat Jan 02, 2016 10:42 am
Forum: Personal Finance (Not Investing)
Topic: How did your retirement Portfolio do in 2015?
Replies: 95
Views: 6334

Re: How did your retirement Portfolio do in 2015?

For me to answer your question I would have to look at both VTSAX and VTI but I won`t do it as I just want to do the correct thing market wise which Bogle and Taylor taught me via this website and that was don`t peek at your investments in the stock market. Adopting this strategy which was not easy ...
by selftalk
Fri Jan 01, 2016 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Wells Fargo for Scottrade.Can I transfer my American Funds without getting another load hit?
Replies: 19
Views: 1554

Re: Leaving Wells Fargo for Scottrader

Going to Scottrade will get you lower commission rates but I`d go straight to Vanguard and purchase the 3 fund portfolio as mentioned on this website. You might want to speak to someone at Vanguard on allocating it sensibly and when you do this only buy and hold and no trading. Also I`d probably kee...
by selftalk
Fri Jan 01, 2016 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: waiting on the side-lines
Replies: 17
Views: 1938

Re: waiting on the side-lines

Looking for that perfect moment to dive in ? Waiting out means no compounding to me and a long wait means depreciation of your moneys purchasing power. Ignoring news is in my opinion crucial to your financial success. You need to think this over carefully in my opinion.
by selftalk
Fri Jan 01, 2016 8:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Fund Returns
Replies: 16
Views: 2993

Re: Vanguard Fund Returns

Thanks for the information Taylor but I refuse to look at those returns as I do not think that would help me increase my net worth and besides it may cause me to doubt my thought out allocation perhaps causing me to do something when I know it`s better to stand still. I have learned the hard way as ...
by selftalk
Fri Jan 01, 2016 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Where should I invest?
Replies: 25
Views: 1018

Re: Where should I invest?

Keep what you have and now allocate according to your risk level in the 3 fund portfolio as listed in this website. Timing is a losers game and if you continue it that`s just what you`ll get. Only buy and hold even in bear markets. Invest for the long term and stop gambling.
by selftalk
Fri Jan 01, 2016 8:38 pm
Forum: Investing - Theory, News & General
Topic: Emotion? question from dan howitt
Replies: 23
Views: 1976

Re: Emotion? question from dan howitt

I taught myself to buy only when pessimism was very high like when the VIX becomes very high on a daily chart. It works pretty good at keeping me out of buying euphoria and on any good news. In fact I don`t watch the markets much anymore and feel fine about that. When I have some funds to invest I w...
by selftalk
Thu Dec 31, 2015 12:08 pm
Forum: Investing - Theory, News & General
Topic: Avoiding "investment depression"
Replies: 8
Views: 1926

Re: Avoiding "investment depression"

That was a very good article you wrote to help us all. Thank you so very much.
by selftalk
Wed Dec 30, 2015 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance and annual vehicle mileage?
Replies: 16
Views: 1176

Re: Auto Insurance and annual vehicle mileage?

It shouldn`t affect your claims. Call Erie for a policy price as they are real good and competent.
by selftalk
Wed Dec 30, 2015 8:11 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Bloomberg TV (12-29-15)
Replies: 20
Views: 1601

Re: Jack Bogle on Bloomberg TV (12-29-15)

It seems like the interviewer is saying that since the S&P was up a miniscule amount this year it isn`t worth investing in it even though the managed funds lost on average 5 %. This makes no sense. Obviously the station is against index funds.
by selftalk
Tue Dec 29, 2015 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Three Fund or Four Fund at 59
Replies: 10
Views: 859

Re: Three Fund or Four Fund at 59

I think what you now have is fine. John Bogle has always said no international as VTSAX has Companies that derive monies from both the U.S. and foreign countries.
by selftalk
Tue Dec 29, 2015 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Three Fund or Four Fund at 59
Replies: 10
Views: 859

Re: Three Fund or Four Fund at 59

I think what you now have is fine. John Bogle has always said no international.
by selftalk
Tue Dec 29, 2015 6:58 pm
Forum: Personal Consumer Issues
Topic: Help me loosen the purse strings: need an intervention
Replies: 36
Views: 3474

Re: Help me loosen the purse strings: need an intervention

It now seems like your priorities are changing and there`s nothing wrong with that if you are where you want to be financially. Think of the good feeling to you that you will be gaining and enjoying. If you still have difficulty then seek a psychologist.
by selftalk
Tue Dec 29, 2015 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth
Replies: 57
Views: 5970

Re: Net Worth

Can`t say as I don`t want my lady friend to know.
by selftalk
Tue Dec 29, 2015 6:20 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 753
Views: 110682

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

I don`t care now. Doesn`t the title of this thread violate the don`t peek rule as advised by John Bogle ? This website I thought was created to teach others about how to increase their wealth through investing in the stock and bond markets via the long term. The title of this thread to me encourages...

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