Search found 4575 matches

by stemikger
Sat Jan 20, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 65
Views: 23018

Re: What's your U.S. : International ratio?

100-0

All U.S. Portfolio! I followed Jack's advice and get my international through the S&P or Total Market Index. The accidental tourist if you will.
by stemikger
Sat Jan 20, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: Nobody Knows Nothing - A Chart
Replies: 23
Views: 3354

Re: Nobody Knows Nothing - A Chart

The question is NOT can anyone predict the markets. We have enough data, history, studies, etc... to show that is not true for the last 20-30 years. The problem is we already know and have known this yet everybody seems to still quote person x or person y predicting something and everyone still fal...
by stemikger
Sat Jan 20, 2018 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Keeping it in a shoe-box is a safer AA
Replies: 30
Views: 2348

Re: Keeping it in a shoe-box is a safer AA

My very elderly in-law just inherited 1.2 million in stocks, no bonds. Apparently her late husband was 100% equity. Would selling all the equity and moving to one balanced fund be the proper course here? Vanguard Wellesley perhaps? zz4: This is a situation where selling securities with large capita...
by stemikger
Sat Jan 20, 2018 3:11 am
Forum: Investing - Theory, News & General
Topic: How do Bogleheads reconcile efficient markets theory with Bitcoin?
Replies: 45
Views: 1973

Re: How do Bogleheads reconcile efficient markets theory with Bitcoin?

I believe EMH when it comes to 80% of the market. I believe in CMH when it comes to 100% of the market. The Cost Matter's Hypothesis is always correct! For the record, I don't think Jack Bogle is a hardcore EMH follower. As far as Bitcoin goes, I watched two documentaries on Amazon and a video on Yo...
by stemikger
Fri Jan 19, 2018 1:35 am
Forum: Personal Consumer Issues
Topic: I got a Roomba and think you should too
Replies: 41
Views: 3446

Re: I got a Roomba and think you should too

Thanks for the post but I have a mad love affair with my Oreck. I own the old school Oreck when they used to advertise on t.v. I always bought expensive high-end vacuums and before the Oreck, we owned the original Electrolux that lasted us over 20 years. The original Electrolux was a great vacuum bu...
by stemikger
Tue Jan 16, 2018 4:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 106
Views: 8144

Re: Post your Financial Milestone Announcements Here

O.K. This new thread made me want to check. Due to market highs I am now at 710K. My house is in the New York area (Staten Island) and every day in the S.I. Advance they keep reporting on the affordability crisis due to how high the housing market is. My house I bought brand new in 1993 for $134K i...
by stemikger
Tue Jan 16, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 21
Views: 952

Re: pros and cons of target date funds?

What is wrong with target date funds? What are some cons for those who choose not to use them and why others who use them feel the pros outweigh the cons? I see a lot of investors utilizing multiple funds - the lists are long on these posts and I dont know one from the other vtsx this vtsy that- it...
by stemikger
Tue Jan 16, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 9334

Re: Besides Bogleheads, What Are Your Favorite Forums?

I only visit one other forum and it has nothing to do with money. It is the Disboards and it has everything you need to know about planning Disney vacations and what's new at the Disney resorts. Other than following the investing strategy of John Bogle, my other passion is going to Disney world eve...
by stemikger
Tue Jan 16, 2018 5:52 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 9334

Re: Besides Bogleheads, What Are Your Favorite Forums?

I only visit one other forum and it has nothing to do with money. It is the Disboards and it has everything you need to know about planning Disney vacations and what's new at the Disney resorts. Other than following the investing strategy of John Bogle, my other passion is going to Disney world ever...
by stemikger
Tue Jan 16, 2018 5:40 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 106
Views: 8144

Re: Post your Financial Milestone Announcements Here

O.K. This new thread made me want to check. Due to market highs I am now at 710K. My house is in the New York area (Staten Island) and every day in the S.I. Advance they keep reporting on the affordability crisis due to how high the housing market is. My house I bought brand new in 1993 for $134K is...
by stemikger
Tue Jan 16, 2018 5:37 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 106
Views: 8144

Re: Post your Financial Milestone Announcements Here

Does anyone struggle with not being able to share their financial achievement or swings with anyone else? I am pushing 500k and feel like I can’t tell anyone. I don’t feel comfortable telling my family as most people cannot handle large amounts of money. It can be a weird feeling getting beers with...
by stemikger
Mon Jan 15, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 16
Views: 1566

Re: 50/50 AA recommended by Benjamin Graham

Isn't a 50/50 Stock/Bond AA relatively high stock allocation for most? In the book titled The Intelligent Investor why does Benjamin Graham recommend this for most folks? I think he looks at this as the optimal for most but does suggest a range. I believe his suggestion is no less than 25% in stock...
by stemikger
Mon Jan 15, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 16
Views: 1566

Re: 50/50 AA recommended by Benjamin Graham

Sorry, I read your post wrong. When I started investing, I was 30 and was 50/50 for many years but bonds were paying a lot more. My daughter just got her first real job after getting her Masters degree and is making good money, I will give her Warren's advice because she is only 23 and tell her to c...
by stemikger
Mon Jan 15, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 16
Views: 1566

Re: 50/50 AA recommended by Benjamin Graham

Isn't a 50/50 Stock/Bond AA relatively high stock allocation for most? In the book titled The Intelligent Investor why does Benjamin Graham recommend this for most folks? I think he looks at this as the optimal for most but does suggest a range. I believe his suggestion is no less than 25% in stock...
by stemikger
Sun Jan 14, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter Med School Money 100K where to Put it
Replies: 19
Views: 1892

Re: Daughter Med School Money 100K where to Put it

If her GPA is 3.0- go ahead and spend it. What is the logic behind this? What makes you think her GPA is "3.0-"? She finished college a year early, so a sub-3.0 GPA sounds unlikely. Or was this supposed to be a tongue-in-cheek comment? If so, I don't find it very funny. Thanks for the valued feedba...
by stemikger
Sun Jan 14, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter Med School Money 100K where to Put it
Replies: 19
Views: 1892

Re: Daughter Med School Money 100K where to Put it

If her GPA is 3.0- go ahead and spend it. What is the logic behind this? What makes you think her GPA is "3.0-"? She finished college a year early, so a sub-3.0 GPA sounds unlikely. Or was this supposed to be a tongue-in-cheek comment? If so, I don't find it very funny. Thanks for the valued feedba...
by stemikger
Sun Jan 14, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter Med School Money 100K where to Put it
Replies: 19
Views: 1892

Re: Daughter Med School Money 100K where to Put it

Play it safe and stick with short term CDs. The market could go down dramatically during your daughter's schooling. Also, I'm not sure if this was mentioned, but did your daughter check out any programs that require her to work for a certain hospital after graduation and they would possibly pay for ...
by stemikger
Sun Jan 14, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: Profiles Of Some Successful Investors
Replies: 26
Views: 3558

Re: Profiles Of Some Successful Investors

Stemikger, These rich Royals are not secret millionaires, however... (I also studied the "Royals" to see how they were investing) very interesting. From what I could tell, the Royals need money to support their lifestyles & their dynasties. They started investing in companies generations ago that t...
by stemikger
Sat Jan 13, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4448

Re: Help me stop my addiction to stock market peeping!

Every time you go to peek talk a walk instead. Buy a treadmill if you must. You break your bad habit and get healthy at the same time.
by stemikger
Sat Jan 13, 2018 5:41 am
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 157
Views: 13328

Re: How does everyone keep track of your portfolio?

Bogleheads: My three funds are with Vanguard. I check my asset-allocation and balances once or twice a year (for fraud, error and activity) on the Vanguard website and also when I receive my annual statement. Vanguard website and statements provide much more information than I can possibly use. Tha...
by stemikger
Sat Jan 13, 2018 5:36 am
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 157
Views: 13328

Re: How does everyone keep track of your portfolio?

Nothing. I have a 401K where I own two funds (Vanguard Institutional Index and Blackrock Total U.S. Bond Index), so I simply just logon to their site. I have a smaller TIRA with Vanguard where I own the Balanced Index Fund. I have an emergency fund in a passbook savings account at my local bank. No ...
by stemikger
Sat Jan 13, 2018 5:31 am
Forum: Investing - Theory, News & General
Topic: Profiles Of Some Successful Investors
Replies: 26
Views: 3558

Re: Profiles Of Some Successful Investors

Here are some more "secret millionaires" for your reading enjoyment. Towards the bottom just highlight the name to learn more about them. $188,000,000. How did you do that Jack Macdonald? Congrats... The real question is: What can we learn from them? Enjoy... https://www.joshuakennon.com/add-jack-m...
by stemikger
Fri Jan 12, 2018 11:54 pm
Forum: Investing - Theory, News & General
Topic: Profiles Of Some Successful Investors
Replies: 26
Views: 3558

Re: Profiles Of Some Successful Investors

nedsaid wrote:
Fri Jan 12, 2018 8:48 pm
stemikger wrote:
Thu Jan 11, 2018 11:46 pm
The one thing I notice with all these frugal multi millionaires is they don't own bonds.
Probably a 100% stock portfolio would be a rational portfolio but the volatility would be too much, even for me.
Me too Ned. Sleeping well is just as important.
by stemikger
Fri Jan 12, 2018 7:02 am
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 5448

Re: 100% VTSAX??

bligh wrote:
Thu Jan 11, 2018 8:58 pm
PFInterest wrote:
Thu Jan 11, 2018 8:56 pm
bikechuck wrote:
Thu Jan 11, 2018 8:54 pm
What in heaven's name is VTSAX?
Google
I just searched the internet via bing and VTSAX is most definitely NOT google. It is a mutual fund at Vanguard!
LOL!! :P
by stemikger
Fri Jan 12, 2018 7:01 am
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 5448

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

Nothing wrong with that if you can stomach it. When I retire I plan to move my 401K all in the Vanguard Balanced Index Fund. I like the one fund option.
by stemikger
Fri Jan 12, 2018 6:18 am
Forum: Investing - Help with Personal Investments
Topic: How often should my AA adjust?
Replies: 17
Views: 985

Re: How often should my AA adjust?

Mr. Bogle always says not to overdo it. No more than once a year. My plan (if I can stick with it) is to rebalance (if needed) every January and don't peek at my portfolio for the rest of the year.
by stemikger
Fri Jan 12, 2018 5:34 am
Forum: Investing - Theory, News & General
Topic: Profiles Of Some Successful Investors
Replies: 26
Views: 3558

Re: Profiles Of Some Successful Investors

You cannot repeat successful investment strategies of yesterday. Unfortunately we go through life only once. What I have learnt over the past 4 decades: Broad-market ETFs will get you to 7 figures by retirement age. Picking individual stocks is pure luck. You have to be on the inside to make a ton ...
by stemikger
Fri Jan 12, 2018 1:00 am
Forum: Investing - Theory, News & General
Topic: Profiles Of Some Successful Investors
Replies: 26
Views: 3558

Re: Profiles Of Some Successful Investors

Thanks for posting, I always like to read these stories. Did you ever hear about Ronald Read. I'll post the link below. https://www.cnbc.com/2016/08/29/janitor-secretly-amassed-an-8-million-fortune.html Having said that, the one thing I notice with all these frugal multi millionaires is they don't ...
by stemikger
Thu Jan 11, 2018 11:46 pm
Forum: Investing - Theory, News & General
Topic: Profiles Of Some Successful Investors
Replies: 26
Views: 3558

Re: Profiles Of Some Successful Investors

Thanks for posting, I always like to read these stories. Did you ever hear about Ronald Read. I'll post the link below. https://www.cnbc.com/2016/08/29/janitor-secretly-amassed-an-8-million-fortune.html Having said that, the one thing I notice with all these frugal multi millionaires is they don't o...
by stemikger
Thu Jan 11, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 8042

Re: Kodakcoin

Didn't Kodak used to make cameras? LOL

Whatever happened to them? :oops:
by stemikger
Wed Jan 10, 2018 2:23 am
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 290
Views: 25900

Re: Anyone tired of the stock market going up?

These are all rational thoughts. It is important to note, greed and fear are when our plans are tested. My plan fits my risk tolerance so I just rebalanced in January and I plan to pretty much ignore it until January 2019. After 20 plus years of saving for retirement, I am now 100% confident that th...
by stemikger
Wed Jan 10, 2018 1:58 am
Forum: Investing - Help with Personal Investments
Topic: I'm Simply Not on the Same Plane As You
Replies: 25
Views: 4525

Re: I'm Simply Not on the Same Plane As You

I'm (probably) a couple of years younger than you. I rode Lucent into the dirt instead of Enron, and it also made me a more conservative investor. I have more stock than you do, but our portfolios have more similarities than differences. I often see people on the Boglehead site talking about being ...
by stemikger
Mon Jan 08, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can you ever win the game?
Replies: 50
Views: 5146

Re: Can you ever win the game?

I think if you adjust your lifestyle according to your portfolio and your social security and/or pension, you can certainly win.

If you are irresponsible and spend more than you should, no you will never win.

I can also tell you if you never save for the future, you have zero chance of winning.
by stemikger
Mon Jan 08, 2018 11:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft at 58,000 posts!
Replies: 36
Views: 2925

Re: Livesoft at 58,000 posts!

Thank you Livesoft! I benefited from your advice!
by stemikger
Sun Jan 07, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: SoCal Ipe deck cost?
Replies: 11
Views: 556

Re: SoCal Ipe deck cost?

Definitely get several quotes. I just did my deck but with Veranda decking and got quotes from $20K to $10K. I went with the $10K guy and I'm very happy with the job.
by stemikger
Sun Jan 07, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: milestone post
Replies: 13
Views: 1424

Re: milestone post

Half a million looks great on you!! Congrats!! :beer
by stemikger
Thu Jan 04, 2018 1:30 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 222
Views: 24636

Re: Hitting The Sell Button

I just rebalanced yesterday. I am amazed how long this bull is going. I'm 53 and I too remember how confused and scared I was in 2009. I plan to ignore the market and my portfolio until January 2019 and rebalance if necessary. I hold the balanced index fund in my small TIRA and I don't even have to ...
by stemikger
Wed Jan 03, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Age In Bonds after 65 with 25X, 35X, 50X ??? Your Approach?
Replies: 35
Views: 2842

Re: Age In Bonds after 65 with 25X, 35X, 50X ??? Your Approach?

60/40 for life. I started investing at 30 and I'm 53 now. I was all over the place the first two years and pretty much 50/50 to 60/40 for many of those years. I lost my mind after Warren Buffett's announcement that he was suggesting a 90/10 for his wife and for about 2 months I was 100% in equities....
by stemikger
Wed Jan 03, 2018 7:15 am
Forum: Investing - Theory, News & General
Topic: Talk me out of a 60/40 AA
Replies: 76
Views: 8063

Re: Talk me out of a 60/40 AA

Talk you out of it? I'll talk you into it! IMHO it's the ultimate SWAN portfolio for all people at all ages. Im 60/40 and I'm 53 and my wife is 57. My wife shows no interest at all in investing. After thinking about it for 20 plus years, upon retirement, I plan to put it all in the Vanguard Balance...
by stemikger
Wed Jan 03, 2018 6:04 am
Forum: Investing - Theory, News & General
Topic: Talk me out of a 60/40 AA
Replies: 76
Views: 8063

Re: Talk me out of a 60/40 AA

Talk you out of it? I'll talk you into it! IMHO it's the ultimate SWAN portfolio for all people at all ages. Im 60/40 and I'm 53 and my wife is 57. My wife shows no interest at all in investing. After thinking about it for 20 plus years, upon retirement, I plan to put it all in the Vanguard Balanced...
by stemikger
Mon Jan 01, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: Buffett wins his bet: S&P500 beats selected hedge funds over last 10 years
Replies: 45
Views: 6133

Re: Buffett wins his bet: S&P500 beats selected hedge funds over last 10 years

Let's not forget this was an all stock portfolio. Most investors can't do that. I'm so glad he won, but I wish Warren would suggest a different AA when he tells what the average main street investor should do. On the other hand my 60/40 two fund portfolio is 14.53% year-to-date. I listened to Jack!...
by stemikger
Mon Jan 01, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 285
Views: 32775

Re: Netflix, Your Current Favorite Show

The529guy wrote:
Tue Jan 05, 2016 10:42 pm
Black Mirror
I very rarely binge watch but Black Mirror was the exception. I watched Season 4 in one sitting and now I'm like an addict craving for more. I watched this show from the very beginning and it just keeps getting better and better.
by stemikger
Mon Jan 01, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: Buffett wins his bet: S&P500 beats selected hedge funds over last 10 years
Replies: 45
Views: 6133

Re: Buffett wins his bet: S&P500 beats selected hedge funds over last 10 years

Let's not forget this was an all stock portfolio. Most investors can't do that. I'm so glad he won, but I wish Warren would suggest a different AA when he tells what the average main street investor should do. On the other hand my 60/40 two fund portfolio is 14.53% year-to-date. I listened to Jack!...
by stemikger
Mon Jan 01, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Buffett wins his bet: S&P500 beats selected hedge funds over last 10 years
Replies: 45
Views: 6133

Re: Buffett wins his bet: S&P500 beats selected hedge funds over last 10 years

Let's not forget this was an all stock portfolio. Most investors can't do that. I'm so glad he won, but I wish Warren would suggest a different AA when he tells what the average main street investor should do. On the other hand my 60/40 two fund portfolio is 14.53% year-to-date. I listened to Jack!
by stemikger
Fri Dec 29, 2017 3:08 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle and Vanguard’s $5,000,000,000,000 Question - Philadelphia Magazine
Replies: 41
Views: 6240

Re: Jack Bogle and Vanguard’s $5,000,000,000,000 Question - Philadelphia Magazine

How do I obtain a Bogle Bobblehead? 8-) I don't know why Vanguard doesn't manufacture them and sell them. I'm sure they would be a big hit. I wish I had one for my shrine to St. Jack. Over the years I started bidding on autographs on ebay. Warren Buffett was very hard to get at a reasonable price b...
by stemikger
Tue Dec 26, 2017 9:03 am
Forum: Investing - Theory, News & General
Topic: Any Target Date Funds better than Vanguard?
Replies: 46
Views: 4596

Re: Any Target Date Funds better than Vanguard?

As far as Target Date Funds, Vanguard seems to keep it simple. Other fund families seem to slice and dice them to death and put everything in them but the kitchen sink. However, I don't like the way Vanguard has changed these over the years. Because of that, I don't think they are a good one fund s...
by stemikger
Tue Dec 26, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Do you have trouble standing firm on your asset allocation?
Replies: 45
Views: 3732

Re: Do you have trouble standing firm on your asset allocation?

To the OP. I was very much like you and the only thing I accomplished was driving myself crazy. Since I committed to my 60/40 AA, my life has been so much less stressful. Yes there is a big part of me that loves this stuff but now I can just read it for a hobby and know that my financial life is on ...
by stemikger
Tue Dec 26, 2017 8:21 am
Forum: Investing - Theory, News & General
Topic: Any Target Date Funds better than Vanguard?
Replies: 46
Views: 4596

Re: Any Target Date Funds better than Vanguard?

As far as Target Date Funds, Vanguard seems to keep it simple. Other fund families seem to slice and dice them to death and put everything in them but the kitchen sink. However, I don't like the way Vanguard has changed these over the years. Because of that, I don't think they are a good one fund so...
by stemikger
Mon Dec 25, 2017 10:20 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 8187

Re: My Christmas Present to You

Thank you for sharing this Taylor. Merry Christmas!

Also, thanks for helping this Boglehead along the way.

Steve
by stemikger
Sat Dec 23, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: The extended bull market
Replies: 53
Views: 4217

Re: The extended bull market

Since we're in one of the longest bull markets in US history, I was wondering if it has influenced the way any of you are currently investing? Is there anything you are doing more/less of or have changed what you were doing in the past? No. I'm 53 and still plan to work for 8 to 10 years. I will re...