Search found 4167 matches

by stemikger
Mon Apr 24, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 4505

Re: Six pack for barbecue?

but I usually buy Blue Moon for the folks who like micro brews and the fancier stuff. Blue moon is a joke for people that like beers as its generally really liked by people who want to pretend that they like craft beer similar to someone saying they really like wine but then brings moscato or somet...
by stemikger
Mon Apr 24, 2017 8:20 am
Forum: Investing - Theory, News & General
Topic: What's Wrong With AQR? (Managed Futures)
Replies: 57
Views: 3687

Re: What's Wrong With AQR? (Managed Futures)

From the article: "In the end, we don’t believe there’s anything wrong with AQR’s managed futures offering. It’s doing what it was designed to do, keeping its powder dry and suffering consistent losses in exchange for future outlier-type gains." People investing in these strategies need t...
by stemikger
Mon Apr 24, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Orlando Disneyland advice
Replies: 21
Views: 1366

Re: Orlando Disneyland advice

DaftInvestor wrote:Disneyland is in Anaheim, CA. Disneyworld is in Orlando, FL.
Important to remember as you do research online as the parks are similar but different.


+1

As a Disney World fanatic, this is one of my pet peeves. LOL. To the OP have fun!!
by stemikger
Mon Apr 24, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 4505

Re: Six pack for barbecue?

I would bring a case of Bud Light in the can and buy a six pack of a high end beer in the bottle. I'm a bud light guy, but I usually buy Blue Moon for the folks who like micro brews and the fancier stuff. You may want to bring a few bags of chips or something like that.
by stemikger
Mon Apr 24, 2017 8:00 am
Forum: Local Chapters and Bogleheads Community
Topic: The next generation of Boglehead authors
Replies: 37
Views: 2221

Re: The next generation of Boglehead authors

Too bad Dave Ramsey's daughter is not an index investor. She would be a great candidate for the next generation. She is doing that, but unfortunately, her investing advice is the same as her dad's advice. Not very good.
by stemikger
Mon Apr 24, 2017 7:59 am
Forum: Local Chapters and Bogleheads Community
Topic: The next generation of Boglehead authors
Replies: 37
Views: 2221

Re: The next generation of Boglehead authors

downshiftme wrote:JL Collins is very accessible for the next generation of Bogleheads.

jlcollinsnh.com


Jim is great, but he is well into his 60s if not older. However, his book the Simple Path to Wealth is one of my top 5 book suggestions.
by stemikger
Sun Apr 23, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Terminal Cancer Diagnosis for 5 year old: What would you do?
Replies: 30
Views: 4784

Re: Terminal Cancer Diagnosis for 5 year old: What would you do?

I think the main thing is just to let them know you are there for them whenever they need you.

What a horrible tragedy. No one should have to go through this.
by stemikger
Fri Apr 21, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7535

Re: Mens Blue Jeans - What are we buying now?!

Or a older gent with a trophy wife. I've got one and there is nothing sad about it. In fact, it's pretty great! :beer LOL. Who knows maybe I'm just jealous. However, when I see you guys in public depending on the age difference, I throw up in my mouth a bit. lol. Sorry for keeping it real. But seri...
by stemikger
Thu Apr 20, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7535

Re: Mens Blue Jeans - What are we buying now?!

Or a older gent with a trophy wife. I've got one and there is nothing sad about it. In fact, it's pretty great! :beer LOL. Who knows maybe I'm just jealous. However, when I see you guys in public depending on the age difference, I throw up in my mouth a bit. lol. Sorry for keeping it real. But seri...
by stemikger
Thu Apr 20, 2017 1:24 am
Forum: Investing - Theory, News & General
Topic: Article-Argument against Buffet and Bogle's International Advice
Replies: 36
Views: 3987

Re: Article-Argument against Buffet and Bogle's International Advice

oldzey wrote:I'm with Jack and Warren - 0% International works for me. :D


+1 me too!
by stemikger
Thu Apr 20, 2017 1:23 am
Forum: Investing - Theory, News & General
Topic: Article-Argument against Buffet and Bogle's International Advice
Replies: 36
Views: 3987

Re: Article-Argument against Buffet and Bogle's International Advice

I think it is more important to stick with a plan whether it has international or not. It will make your life a lot easier. I sleep well at night with my two fund all U.S. portfolio, but others may sleep well holding international. IMHO that is the secret. Stick with a portfolio with assets you can ...
by stemikger
Wed Apr 19, 2017 10:41 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 309
Views: 28322

Re: Larry Swedroe says "Goodby."

You are a class act Larry.

Thank you for all your advice.
by stemikger
Wed Apr 19, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7535

Re: Mens Blue Jeans - What are we buying now?!

As I got older (60's) my daughter said that I look like a dork in those jeans. Aren't we supposed to look like Dork's when in our 60's? :D Or at least not care how we look? :D LOL. I'm going to be 53 and I already embraced my inner dork. There really is something very freeing not being a salve to f...
by stemikger
Tue Apr 18, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7535

Re: Mens Blue Jeans - What are we buying now?!

I like Wrangler relaxed fit from Target. I do have one pair of Rock and Republic I bought from Kohls for when I want to be a little more stylish. I believe I paid $19 for the Wranglers and $50 for the Rock and Republic. At 53 I'm more into comfort then style. I work in the Wall Street area in NYC an...
by stemikger
Mon Apr 17, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: All in with Balanced Index fund
Replies: 33
Views: 3134

Re: All in with Balanced Index fund

You are making a great decision. I will do the same. Here's a thread I started in 2015. https://www.bogleheads.org/forum/viewtopic.php?t=164521 And yet another. LOL. https://www.bogleheads.org/forum/viewtopic.php?t=161326 Oh boy, I'm like a broken record: https://www.bogleheads.org/forum/viewtopic.p...
by stemikger
Mon Apr 17, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Why invest in International Index Fund?
Replies: 38
Views: 3098

Re: Why invest in International Index Fund?

After reading Common Sense on Mutual Funds I never bothered with international investing. It has been over 23 years and I never owned it. If you own the S&P or Total U.S. Index you are already exposed to international. I don't like the extra risk that comes with international investing. I also d...
by stemikger
Fri Apr 14, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 5725

Re: Jack says be realistic

If you read the article, still includes a suggestion about being 100% equities early in life, moving towards 75% equities later in life, and a note that he is 50% equities himself. Don't see any bad actions coming out of article... Did he mean 75% to 25% equities or 75/25 stock bond allocation. Tha...
by stemikger
Fri Apr 14, 2017 2:21 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on Understanding Different Types of Risk
Replies: 45
Views: 4822

Re: Larry Swedroe on Understanding Different Types of Risk

Larry was a true gentlemen, I hope he reconsiders. He helped me on several occasions.
by stemikger
Fri Apr 14, 2017 1:30 am
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 5725

Re: Jack says be realistic

when spread out over the next 10, P/E has actually done a pretty darn good job at predicting average returns. Not really. I'd say it has done a pretty horrible job. It is so far off I don't understand how anyone could even consider basing actions on it. Here's Bogle's model for the past several yea...
by stemikger
Fri Apr 14, 2017 1:06 am
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 5725

Re: Jack says be realistic

Great advice from Jack. I am like Jack, I was way to conservative when I started out. 50/50 for many years. Over the years I learned and made several mistakes but still managed to stay the course. Today, I'm 60/40 for life. Nothing will change that. IMHO it is enough to get the gains and enough to g...
by stemikger
Tue Apr 11, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 11883

Re: You can never go "home" - retirement

I never changed my zip code, so I don't know. So I never left home. When I want a change of scenery, I go on vacation. I learned a long time ago, the grass is not always greener on the other side. As long as I have financial freedom, I don't care where I live.
by stemikger
Sun Apr 09, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Why are the Vanguard Target Retirement Funds so heavily invested in International
Replies: 24
Views: 3170

Re: Why are the Vanguard Target Retirement Funds so heavily invested in International

I've heard Vanguard isn't into International Investing as much as some other. Whoever told you that lied to your face. You might be thinking that because their founder John Bogle does not agree with holding international. Having said that, John Bogle does not speak for Vanguard and vice versa. I ha...
by stemikger
Sat Apr 08, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 3146

Re: Anyone else own balanced index fund? [vbinx]

I started investing in this fund in 2002 and now, after more investing and reinvesting dividends, it's over a million. I can't see much point in reinvesting dividends anymore, unless the price falls precipitously, so I take them in cash now. The biggest advantage of VBINX is that I stopped worrying...
by stemikger
Sat Apr 08, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 3146

Re: Anyone else own balanced index fund? [vbinx]

dexter74 wrote:
stemikger wrote:
dexter74 wrote:Excellent. Thanks for the input.


Glad I could help. You may be interested in this thread that I started on April 26th 2015.

viewtopic.php?t=164521


That was a great read. Thanks for that. I'm confident I've made a good choice. :happy

:beer
by stemikger
Fri Apr 07, 2017 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 3146

Re: Anyone else own balanced index fund? [vbinx]

dexter74 wrote:Excellent. Thanks for the input.


Glad I could help. You may be interested in this thread that I started on April 26th 2015.

viewtopic.php?t=164521
by stemikger
Fri Apr 07, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 3146

Re: Anyone else own balanced index fund? [vbinx]

I own it in my TIRA. Not much in my TIRA, but I put it in there a long time ago. I wish my 401K had it. I plan on rolling over my 401K into the balanced index fund when I retire. It's a perfect set it and forget it fund. I'm 52 and this AA is perfect for me. When I retire, I may have to go a little ...
by stemikger
Thu Apr 06, 2017 11:54 pm
Forum: Investing - Theory, News & General
Topic: "the Truth About Your Future" - Ric Edelman's new book
Replies: 23
Views: 4004

Re: "the Truth About Your Future" - Ric Edelman's new book

unclescrooge wrote:
stemikger wrote:Not a fan of Edelman. He is all over the place with this rambling radio show and his convoluted books. It's almost like he purposely never gets to the point. He reminds me too much of a used car salesman.


If he got to the point, his show would be one episode, five minutes long.


+1
by stemikger
Thu Apr 06, 2017 8:30 am
Forum: Investing - Theory, News & General
Topic: "the Truth About Your Future" - Ric Edelman's new book
Replies: 23
Views: 4004

Re: "the Truth About Your Future" - Ric Edelman's new book

Not a fan of Edelman. He is all over the place with this rambling radio show and his convoluted books. It's almost like he purposely never gets to the point. He reminds me too much of a used car salesman.
by stemikger
Sun Apr 02, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 6894

Re: Is anyone decreasing % of bonds this year?

Nope. Staying the course and ignoring what the market is doing. I still believe the balanced approach makes sense. What will a person near retirement do when the stock market drops big time. Not many will be able to stay the course with 100% in stocks. I'm in the save more, spend less camp. I'm 52 ...
by stemikger
Sun Apr 02, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 6894

Re: Is anyone decreasing % of bonds this year?

Nope. Staying the course and ignoring what the market is doing. I still believe the balanced approach makes sense. What will a person near retirement do when the stock market drops big time. Not many will be able to stay the course with 100% in stocks. I'm in the save more, spend less camp. I'm 52 a...
by stemikger
Sat Apr 01, 2017 4:45 am
Forum: Investing - Theory, News & General
Topic: advice on where to put money at age 55 to secure savings in the event of market crash
Replies: 35
Views: 3678

Re: advice on where to put money at age 55 to secure savings in the event of market crash

You sound like you might be a candidate for the All Weather Portfolio by Ray Dalio.
by stemikger
Sat Apr 01, 2017 4:40 am
Forum: Investing - Help with Personal Investments
Topic: Why do BogleHeads make things bit Complex? ReBalance
Replies: 37
Views: 3248

Re: Why do BogleHeads make things bit Complex? ReBalance

You are right. I think Bogleheads like to tinker. Of course I can't speak for all of them, but it's kind of like a hobby for many. I personally like simplicity which is why upon retirement, I will put everything in the Vanguard Balanced Index and not look at the stock market any longer. If my 401K h...
by stemikger
Fri Mar 31, 2017 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund In Retirement?
Replies: 20
Views: 2705

Re: Vanguard Balanced Index Fund In Retirement?

I know John Bogle has often recommended the Vanguard Balanced Index Fund as your sole fund. Yet what if you're in retirement? Is the 60/40 a sound AA? I did a back test via Portfolio Visualizer starting from 2000 and on with a $1 million and a 4% withdraw rate. With both crashes during that decade ...
by stemikger
Thu Mar 30, 2017 5:33 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 186
Views: 24528

Re: John Bogle on international

in_reality wrote:
stemikger wrote:P.S. I suffer from severe OCD


:thumbsup OCD :thumbsup

Our income in this house is mostly from integrating emerging markets into the global economy.

:thumbsup global economy :thumbsup


LOL :beer
by stemikger
Thu Mar 30, 2017 4:20 am
Forum: Investing - Theory, News & General
Topic: Stay the course, always?
Replies: 55
Views: 4332

Re: Stay the course, always?

I rather just stay the course, but there are times when even the great Jack Bogle strayed off course.

Hear Jack tell it.

https://www.youtube.com/watch?v=k6ra5POdsYg

I plan to just stay with the balanced index fund and not even think about it.
by stemikger
Thu Mar 30, 2017 2:10 am
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 143
Views: 7986

Re: When do you plan to die?

I plan to die after I make love to Tatiana Maslany.
by stemikger
Thu Mar 30, 2017 12:50 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 186
Views: 24528

Re: John Bogle on international

Gee, give it a rest. You're convinced. Not everyone is. John Bogle is never wrong period! LOL. But seriously, there are a lot of new folks on this forum that might be helped by this. Now, let me tell you how much I love the balanced index fund. P.S. I suffer from severe OCD which is why I repeat my...
by stemikger
Thu Mar 30, 2017 12:23 am
Forum: Investing - Help with Personal Investments
Topic: About Wellington - VWENX
Replies: 9
Views: 1504

Re: About Wellington - VWENX

do you think Wellington Fund Admiral Shares (VWENX) still a good option for the next decade or so? :confused Of course it is. What changed? The simple idea of balanced funds hasn't changed and don't let the talking heads tell you so. Ever time I see a headline that says 60/40 is dead, I know they a...
by stemikger
Thu Mar 30, 2017 12:21 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 186
Views: 24528

John Bogle on international

[Thread merged into here, see below (next page). --admin LadyGeek] I just saw this recent article where Jack is talking about his views on international. This is from Jack: International Investing Is Overrated Bogle is "not on board with international investing," he said flatly. "I d...
by stemikger
Mon Mar 27, 2017 6:29 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 186
Views: 24528

Re: How much international stock? A suggestion.

Jack's 20% recommendation is the Gold Standard. He does say you really do not need it but if you must no more than 20%. Past performance is not indicative of future results. Maybe back in the 80s-up to 00's I would have agreed with Jack, but in today's market in my honest opinion for those still in...
by stemikger
Sat Mar 25, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 21094

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

I live in the New York area and I don't think we have them around here. I have heard of them and I know they have a huge fan base.

I like Five Guys and Shake Shack. However, I still like the McDonalds right down the street from me.
by stemikger
Fri Mar 24, 2017 10:26 am
Forum: Investing - Theory, News & General
Topic: So why exactly is everyone gloomy about bonds?
Replies: 34
Views: 4237

Re: So why exactly is everyone gloomy about bonds?

For a community that insists upon the unpredictability of the market as one of its central tenets, there does seem to be a consensus that "the bull run in bonds is over", "expected real return is zero", and such like. If my perception is accurate, can someone lay out the elevato...
by stemikger
Fri Mar 24, 2017 9:32 am
Forum: Investing - Theory, News & General
Topic: Vanguard: "Important: We've been unable to reach you by email"
Replies: 36
Views: 3622

Re: Vanguard: "Important: We've been unable to reach you by email"

BackOfTheNet wrote:Sounds like a phishing email. Are there links in the email that it is asking you to click? I'd be careful.


It does, but it isn't. This happened to me a few times and it's legit. If an e-mailed gets bounced back, this is the message you get from Vanguard.
by stemikger
Fri Mar 24, 2017 6:30 am
Forum: Investing - Theory, News & General
Topic: AA after reaching your "freedom number"?
Replies: 39
Views: 4063

Re: AA after reaching your "freedom number"?

I plan on keeping it where it is now. 60/40 for life. All my investing is in my 401K so upon retirement, I plan on rolling it over to my TIRA and put it all in the Vanguard Balanced Index Fund. The main reason for doing this is, if I die before my wife, she will only have to take out her contributio...
by stemikger
Thu Mar 23, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: International Allocation
Replies: 16
Views: 667

Re: International Allocation

Here come the "lets invest more in international because it's up 10% YTD" threads. Not me, sticking to Jack Bogle's recommendation. It is not needed, but if you must, no more than 20%. Owning the Vanguard Institutional Index Fund gives me international exposure through all the multination...
by stemikger
Thu Mar 23, 2017 9:50 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9786

Re: Anyone else taking less risk

stemkinger First, I'd be careful to not throw the baby out with the bath water. Most "alternatives" historically have been bad products and that includes things like private equity, hedge funds, preferred stocks, structured notes and so on. On other hand there are some products that are s...

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