Search found 3934 matches

by stemikger
Fri Dec 09, 2016 4:14 pm
Forum: Investing - Theory, News & General
Topic: Do you think Slice and Dice makes it harder to stay the course?
Replies: 40
Views: 1962

Re: Do you think Slice and Dice makes it harder to stay the course?

I think you have the right mind set. Simplicity is the master key to success and you set yourself up with the three fund portfolio. I wouldn't worry about international bonds, just stick with your plan. I own a two fund portfolio, and don't own international equities or bonds. One day, I will make i...
by stemikger
Fri Dec 09, 2016 6:32 am
Forum: Investing - Theory, News & General
Topic: McDonald's Stock
Replies: 61
Views: 3758

Re: McDonald's Stock

I'm a vegetarian. ever had a vegetarian Whopper? years back in Chicago a Grateful Dead type guy gave me a flyer and told me to push BK to keep making them. No Clue. I think there's a vegetarian McRib. I remember having a vegetarian burger at the McDonalds in New York City (the village area). This w...
by stemikger
Thu Dec 08, 2016 5:34 pm
Forum: Investing - Theory, News & General
Topic: McDonald's Stock
Replies: 61
Views: 3758

Re: McDonald's Stock

I don't see anything wrong with the food in moderation. That is true. I can pretty much dabble in almost anything as long as I keep my calorie intake ~2,000 per day. That sort of regulates out much indulgence in most harmful foods. +1 My doctor tells me this all the time. He believes that in modera...
by stemikger
Thu Dec 08, 2016 9:19 am
Forum: Investing - Theory, News & General
Topic: McDonald's Stock
Replies: 61
Views: 3758

Re: McDonald's Stock

The McDonalds that I'm familiar with you can get a cup of coffee for a dollar and a burger or breakfast sandwich for less than 2 dollars. I wouldn't call that absurd pricing. Their coffee isn't half-bad in a pinch -- the food on the other hand probably explains why life expectancy has peaked in the...
by stemikger
Tue Dec 06, 2016 1:30 am
Forum: Investing - Theory, News & General
Topic: What was your Asset Allocation before and after retirement?
Replies: 91
Views: 8038

Re: What was your Asset Aloocation before and after retirement?

Last 3 years before retirement 50/50 Since retirement 50/50. Scott Burns talks about 50/50 in the couch potato portfolio for life. He advises two funds the Total Stock Market Index and the Total Bond Market Index for life at 50/50. When I retire, I plan on putting the whole kit and caboodle in the ...
by stemikger
Mon Dec 05, 2016 4:54 pm
Forum: Investing - Theory, News & General
Topic: What does Dave Ramsey mean by "ride the wave"
Replies: 29
Views: 5150

Re: What does Dave Ramsey mean by "ride the wave"

Bogleheads agree that Dave Ramsey has some problematic investment advice. Stay away from Dave's investing advice. He will direct you to third parties ELPs ("Endorsed Local Providers"), I believe he now calls them Investopro providers. Either way, they sell very high fee funds (all equitie...
by stemikger
Mon Dec 05, 2016 11:00 am
Forum: Investing - Theory, News & General
Topic: What does Dave Ramsey mean by "ride the wave"
Replies: 29
Views: 5150

Re: What does Dave Ramsey mean by "ride the wave"

Bogleheads agree that Dave Ramsey has some problematic investment advice. Stay away from Dave's investing advice. He will direct you to third parties ELPs ("Endorsed Local Providers"), I believe he now calls them Investopro providers. Either way, they sell very high fee funds (all equitie...
by stemikger
Mon Dec 05, 2016 10:32 am
Forum: Investing - Theory, News & General
Topic: "Mr. Bogle and me"
Replies: 5
Views: 1241

Re: "Mr. Bogle and me"

Thanks for sharing Taylor. I just read Jim's book and highly recommend it to all.
by stemikger
Mon Dec 05, 2016 7:32 am
Forum: Personal Consumer Issues
Topic: Merkur Safety Razor = money saved
Replies: 25
Views: 1565

Re: Merkur Safety Razor = money saved

The test of my new Merkur safety razor was a success. I don't expect a few simple pieces of stainless steel fitted together as designed around 1906 to break in the manner of flimsy plastic, as the attachment mechanism on my cartridge razor handle did recently. Thus, I shall no longer be a slave to ...
by stemikger
Sat Dec 03, 2016 12:44 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman challenges John Bogle
Replies: 157
Views: 12248

Re: Paul Merriman challenges John Bogle

IMHO it is more important you follow a plan then try to get the perfect one. Staying the Course and sticking to your plan is more important. Amen to that. When I see the periodic thread that debates the merits of adding SV to a TSM portfolio, I chuckle a little. I mean, it is debated on this board ...
by stemikger
Fri Dec 02, 2016 1:27 am
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 5692

Re: What percentage of international do you hold?

I don't hold international in equities or bonds. I am quite happy with my all U.S. two fund portfolio Vanguard Institutional Index Fund and Blackrock U.S. Debt Index Fund (65/35 stocks/bonds). Upon retirement, I plan to hold one fund which would be the Vanguard Balanced Index Fund. Deep down, I rema...
by stemikger
Fri Dec 02, 2016 1:14 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman challenges John Bogle
Replies: 157
Views: 12248

Re: Paul Merriman challenges John Bogle

To the distinguished ladies and gentlemen on this forum, there is room for spirited disagreement on this forum. The debate and the back and forth is how we all learn. On this topic, it really boils down to whether one believes the academic research or not. And even if you believe in the research, i...
by stemikger
Thu Dec 01, 2016 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify Portfolio With Balanced Funds
Replies: 6
Views: 992

Re: Simplify Portfolio With Balanced Funds

I would choose the one Balanced fund and be done. Total stock, total bond - all in one! You might have a savings account on the side to hold the withdrawals or a small cash cushion, and set it Vanguard to pay you XXX dollars every month. The BIG question is whether those are in an IRA (then dump it...
by stemikger
Thu Dec 01, 2016 5:07 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman challenges John Bogle
Replies: 157
Views: 12248

Re: Paul Merriman challenges John Bogle

The bottom line is, you can ignore Paul Merriman and just follow Jack's message of simplicity and you will still get there.

IMHO it is more important you follow a plan then try to get the perfect one. Staying the Course and sticking to your plan is more important.
by stemikger
Sat Nov 26, 2016 7:58 am
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 349
Views: 49076

Re: Decided to try timing the market. 100% short on 9/17/15

Congratulations. I actually did this twice and it worked out both times. Having said that, mine was pure dumb luck. From hear on in, I will stick to my asset allocation and stay the course. I will not push my luck. Glad it worked out for the both of us.
by stemikger
Sat Nov 26, 2016 7:43 am
Forum: Investing - Theory, News & General
Topic: What was your Asset Allocation before and after retirement?
Replies: 91
Views: 8038

Re: What was your Asset Aloocation before and after retirement?

I'm not retired yet but I'm currently at 65/35 the year I retire, I plan to do a direct rollover to the Vanguard Balanced Index Fund.

I may stay the forever or eventually go to 40/60. I don't see myself ever going below 40% in stocks.
by stemikger
Wed Nov 23, 2016 6:17 pm
Forum: Investing - Theory, News & General
Topic: Approaching the S&P 500 like Benjamin Graham
Replies: 13
Views: 1935

Re: Approaching the S&P 500 like Benjamin Graham

No doubt Benjamin Graham who was also known as the Einstein of Money influenced many great investors. Two of my idols, Warren Buffett and John Bogle. Since I have no desire, time, inclination or ability to become a value investor, I only look to one man for my advice today. His name is John Bogle an...
by stemikger
Wed Nov 23, 2016 4:58 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 187
Views: 15103

Re: Retreat to cash

In my opinion this is a very bad idea. +1 So if you get out, when do you get back in. Timing the market does not work. Listen to what Jack says in this interview. You are going to have a very long and hard investing life and who can do that. https://www.youtube.com/watch?v=6Qg959oYCxU&t=198s
by stemikger
Wed Nov 23, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: Why International Stocks
Replies: 73
Views: 6303

Re: Why International Stocks

Hello! As I approach retirement, I am making final adjustments to my asset allocation. I have had some Vanguard international stock funds over the years, but I am considering only US bond and Stock funds in retirement. For the last several years, it appears that international stocks correlate with ...
by stemikger
Wed Nov 23, 2016 9:26 am
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead save for child's education?
Replies: 144
Views: 11303

Re: How does a Boglehead save for child's education?

Thank you abuss368!! She is almost done with her first term (sometime in December) of her second year. Come January she has 5 more months until graduation. I will be writing that last check any day now!! The best part is the place where she did her internship last year said she has a job waiting fo...
by stemikger
Wed Nov 23, 2016 5:26 am
Forum: Investing - Help with Personal Investments
Topic: Bill Bernstein's "If You Can"
Replies: 8
Views: 1969

Re: Bill Bernstein's "If You Can"

I would just put it all in the Vanguard Balanced Index Fund and try to save the max and don't even look at it! Or a 60/40 AA between the total stock index and the total bond index.
by stemikger
Wed Nov 23, 2016 5:21 am
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead save for child's education?
Replies: 144
Views: 11303

Re: How does a Boglehead save for child's education?

I saved in a 529 and had the first year of her undergrad paid off. I cash flowed the rest. She currently has one more year and will have a Masters degree, I have one more payment left and I'm home free and she ill have no student loan debt. Hi stemikger, That is awesome! Congrats Dad! Best. Thank y...
by stemikger
Mon Nov 21, 2016 11:44 pm
Forum: Personal Consumer Issues
Topic: Light weight Carpet Cleaning Vaccuum
Replies: 18
Views: 1966

Re: Light weight Carpet Cleaning Vaccuum

I love my Oreck. It is the original Oreck when David Oreck still owned the company. There was a time this exact Vacuum was over $500, now it is $144 on Amazon. I've owned this exact model for 3 years now and it is the best vacuum I have ever owned and I also owned the original Electrolux which laste...
by stemikger
Mon Nov 21, 2016 11:29 pm
Forum: Personal Consumer Issues
Topic: Owning a Chromebook
Replies: 77
Views: 8463

Re: Owning a Chromebook

I also haven't figured out how to print from mine, but when I do need to print something, I just e-mail it to my PC and print from there. I don't have much to add to Munemaker's excellent review; however, I did want to point out that Chromebooks are easy to connect to almost any WiFi-enabled printe...
by stemikger
Sun Nov 20, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: Owning a Chromebook
Replies: 77
Views: 8463

Re: Owning a Chromebook

I love mine. I bought an ASUS for $165 and it is great to surf the web, watch videos, etc. I do not work on it. They provide google docs and other programs where you can do spreadsheets and powerpoint like presentations, but I rather do that on my PC. If you just want it for the internet it is a gre...
by stemikger
Sat Nov 19, 2016 9:57 am
Forum: Investing - Help with Personal Investments
Topic: I market timed & learned. Any Advice?
Replies: 52
Views: 5293

Re: I market timed & learned. Any Advice?

You've been given good advice. You hit it on the head when you said you are glad you did it at 30 and not 60. This is a non-event for someone as young as you. Pick an asset allocation that enables you to stay the course in all market conditions. Mr. Bogle has over 60 years of experience and is a ver...
by stemikger
Fri Nov 18, 2016 7:39 pm
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 7959

Re: Honda Cars

Looking to get thoughts on Honda cars. I am thinking about buying a 2017 Honda Accord EX-L and would like feedback from others as to what they think of the Honda brand? Well made, reliable cars? You can't go wrong with Honda. My cousin just traded her 20 year old Honda Accord and it was still going...
by stemikger
Fri Nov 18, 2016 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Son has some cash to invest
Replies: 37
Views: 2292

Re: Son has some cash to invest

Toons wrote:No expert here.
Vanguard Balanced Index Fund. :happy


+1

The same thing I was going to suggest!
by stemikger
Fri Nov 18, 2016 2:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Valuethinker has surpassed 30,000 posts
Replies: 39
Views: 3197

Re: Valuethinker has surpassed 30,000 posts

Congratulations VT. And thank you for all your help!!

Steve G
by stemikger
Wed Nov 16, 2016 6:33 am
Forum: Investing - Theory, News & General
Topic: Glide path for 100% Equity Portfolio
Replies: 17
Views: 2331

Re: Glide path for 100% Equity Portfolio

Below is a true life story about what happened to Taylor Larimore (one of the founders of this forum). I printed this out and keep it close to protect me from myself. As you get holder, it might be something you want to look at from time to time. Thankfully Taylor shared it, so we don't have to expe...
by stemikger
Wed Nov 16, 2016 1:37 am
Forum: Personal Finance (Not Investing)
Topic: [Spouses with no interest in investing]
Replies: 62
Views: 5852

Re: spouses that careless about investing

With all due respect, it sounds like he does not value you enough to at least try to learn. My wife was similar but at least she tries, it is just not her strong point. Maybe you guys would benefit from marriage counseling. Life is too short to be stressed and let's face it money will buy you freedo...
by stemikger
Wed Nov 16, 2016 1:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard Investor Questionnaire recommends 100% stocks!
Replies: 56
Views: 4803

Re: Vanguard Investor Questionnaire recommends 100% stocks!

No tool can tell you what it would take for you to sleep at night. Most people would have a hard time with a 100% stock portfolio. Stay on the conservative side.
by stemikger
Wed Nov 16, 2016 1:13 am
Forum: Investing - Help with Personal Investments
Topic: If you started from scratch, TODAY?
Replies: 31
Views: 4032

Re: If you started from scratch, TODAY?

If you were lump summing your entire life savings into an investment account today what % of Bonds would you choose? Your ONLY goal is to try and maximize returns. 15-20 year horizon. I would have the same AA. Nothing would change. 65/35 (stocks/bonds). I tried other AA and this is the only one tha...
by stemikger
Sun Nov 13, 2016 6:07 pm
Forum: Investing - Theory, News & General
Topic: All Weather Portfolio
Replies: 2
Views: 689

Re: All Weather Portfolio

larryswedroe wrote:The same principles of diversifying across unique factors with premiums and low correlation apply no matter which phase of the investment life cycle you are in.


Thank you Larry!
by stemikger
Sun Nov 13, 2016 12:15 pm
Forum: Investing - Theory, News & General
Topic: All Weather Portfolio
Replies: 2
Views: 689

All Weather Portfolio

Is the All Weather Portfolio by Ray Dalio meant to be used in the accumulation phase or just in retirement?

Thanks
by stemikger
Sat Nov 12, 2016 1:11 am
Forum: Investing - Theory, News & General
Topic: Four-Fund Portfolio?
Replies: 23
Views: 3310

Re: Four-Fund Portfolio?

Not a pro, just an average know nothing investor so take it from where it's coming from. This has the same funds the Target Retirement has. Is it bad: No. However, I don't think international bonds are worth the risk and the cost. I personally follow John Bogle's advice and just hold two funds the T...
by stemikger
Thu Nov 10, 2016 3:58 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 204
Views: 25829

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

Thanks Taylor I enjoyed reading this.

Me and my 2009 Nissan Versa and paid off townhome agree.
by stemikger
Thu Nov 10, 2016 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: WOW, What a Total Bond and bonds in general drop!
Replies: 37
Views: 6009

Re: WOW, What a Total Bond and bonds in general drop!

aj76er wrote:Hit my rebalancing bands today; so I rebalanced into total bond and out of total stock to restore my AA.
Feels good :)


+1

And that's the way you do it!!
by stemikger
Wed Nov 09, 2016 5:48 am
Forum: Investing - Help with Personal Investments
Topic: Anybody have an "In case of emergency read this!" excerpt or statement?
Replies: 14
Views: 2470

Re: Anybody have an "In case of emergency read this!" excerpt or statement?

I don't need a policy. I simply go to You Tube and watch videos of Jack Bogle, Warren Buffett and sometimes Charlie Munger. That seems to do the trick. I also reread several of my investment books that I have highlighted for that very reason.
by stemikger
Tue Nov 08, 2016 4:44 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 53
Views: 5700

Re: Amazon Echo

it's the best $150 you can spend on an alarm clock. lol. Truthfully, I don't use mine that often, but oddly enough I still like it. I don't have the time to explore the expanding universe of things they keep adding. I do not regret buying it. P.S. I bought mine for $99 when they had prime members re...
by stemikger
Thu Nov 03, 2016 11:38 pm
Forum: Investing - Theory, News & General
Topic: What percentage of a portfolio should be in international stocks ?
Replies: 101
Views: 6389

Re: What percentage of a portfolio should be in international stocks ?

Posted by investorguy1 With all the beer going around I've gotta watch my judgement. But in all seriousness I'm having a hard time understanding this only US thing. If your view is "I don't think it will matter much" Why not go with the global market weight as your default position? To me...
by stemikger
Thu Nov 03, 2016 5:20 pm
Forum: Investing - Theory, News & General
Topic: What percentage of a portfolio should be in international stocks ?
Replies: 101
Views: 6389

Re: What percentage of a portfolio should be in international stocks ?

Thank you Taylor.

I took Jack's advice and am all U.S. In the long run, I don't think it will matter much.

:beer
by stemikger
Fri Oct 28, 2016 9:12 am
Forum: Investing - Theory, News & General
Topic: "The Simple Path to Wealth" -- A Gem
Replies: 27
Views: 7475

Re: "The Simple Path to Wealth" -- A Gem

Thanks Taylor. I just read Jim's book and loved it.
by stemikger
Fri Oct 28, 2016 9:10 am
Forum: Investing - Theory, News & General
Topic: Who disagrees with Jack. . .
Replies: 73
Views: 5475

Re: Who disagrees with Jack. . .

Posted by Munir
Let's get away from the sainthood issue and discuss the substance of his stands.


How could we? His nickname is St. Jack and IMHO well deserved. :beer
by stemikger
Thu Oct 27, 2016 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard balanced fund or Fidelity 2-Fund
Replies: 5
Views: 625

Re: Vanguard balanced fund or Fidelity 2-Fund

I use the Fidelity total market (total stock) and total US bond. I rebalance on my birthday. There are lots of opinions on this. My understanding with Vanguard's target date funds is that they rebalance daily. I do also keep track of my accounts, so if stocks go nuts and AAs get way out of whack, I...
by stemikger
Tue Oct 25, 2016 6:34 am
Forum: Investing - Theory, News & General
Topic: The Motley Fool vs. Jason Zweig
Replies: 18
Views: 3480

Re: The Motley Fool vs. Jason Zweig

I feel the exact same way. I did love their interview with Jack. IMHO it is one of his best. If you missed it, here it is below: https://www.youtube.com/watch?v=6Qg959oYCxU John Bogle, Founder of The Vanguard Group | A Motley Fool Special Interview Thanks! I agree—an hour well spent. John Bogle was...
by stemikger
Mon Oct 24, 2016 9:32 pm
Forum: Investing - Theory, News & General
Topic: Dr. Bill Bernstein Books
Replies: 40
Views: 3392

Re: Dr. Bill Bernstein Books

Hi all, I never read any of Dr. Bernstein's books, but saw a few videos on You Tube and I would like to learn more about how he thinks. I often see him quoted about once you win the game stop playing. What book would you suggest I start with. stemikger: In my opinion, Dr. Bernstein's last investing...
by stemikger
Mon Oct 24, 2016 9:30 pm
Forum: Investing - Theory, News & General
Topic: Dr. Bill Bernstein Books
Replies: 40
Views: 3392

Re: Dr. Bill Bernstein Books

The Dan wrote:Stemikger,
I have sent you a PM. I have many of Dr. Bernstein's books, and would be happy to send them to you.
-The Dan


A very special thank you to The Dan. He is sending me Dr. Bernstein's book that he already read.

Thank you!!! :beer

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