Search found 647 matches

by snarlyjack
Wed Apr 25, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 28
Views: 3009

Re: Larry Swedroe: Financial Perils Of Old Age

Perhaps my story will help someone & how it influenced my investing. I have told this story before but for the new members I'll tell it again... My Mom died of a combination of type 1 diabetes. Her diabetes caused a series of strokes which disabled her (walking with a walker & cane). Which also caus...
by snarlyjack
Tue Apr 24, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: Unprecedented Event
Replies: 37
Views: 3827

Re: Unprecedented Event

Paul, I' am not quite 100% stocks. 90% stocks, 10% cd. Imho, If that happened, say war with N/K I would view it as very short term in nature & a total buying opportunity. No to (hyperinflation, prolonged deflation, gov't confiscation). I' am pretty bullish & have been since I've been here...(long ti...
by snarlyjack
Tue Apr 24, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: Another Warren Buffett S&P 500 Recommendation
Replies: 49
Views: 4095

Re: Another Warren Buffett S&P 500 Recommendation

JoMoney,

That was great...Thanks for post it.
by snarlyjack
Tue Apr 24, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: Fun Money
Replies: 45
Views: 2625

Re: Fun Money

Zero (0) fun money here...
I' am 100% committed to my long term goals.

My fun money is when I go to the Dairy Queen. :D
by snarlyjack
Mon Apr 23, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

FiveK. I' am sure a lot of investors in the fire community use the TSM & S & P 500. I also think a lot of members in the FIRE community use dividend stocks or funds. I' am sure that some investors combine both strategies. What I' am trying to say is pick a strategy & stick with it through thick & th...
by snarlyjack
Mon Apr 23, 2018 1:48 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

spdoublebass,

Sorry... I didn't mean to reference you...
by snarlyjack
Mon Apr 23, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

Gibson,

Thank you.

I agree.

I' am using 2 different funds. 1). High Dividend Yield. & 2). Dividend Growth.
I don't know which fund is better? I like them both. Combined total
stocks about 570. I like index funds. I' am not a big believer in individual
stocks. I like being diversified...
by snarlyjack
Mon Apr 23, 2018 1:35 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

spdoublebass, Excellent. If you look at Wellington Fund (dividend paying stocks & corporate credits) we are doing basically the same thing (not exactly, but same idea). If I were to add the Total Bond Market Fund it would equal (dividend paying stocks & corporate credits). Only in a index fund. Then...
by snarlyjack
Mon Apr 23, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

Pajamas,

What I got out of the video is:

1). Corporate credits & dividend paying stocks work very good together.
2). A stock that doesn't pay a dividend is a speculation.
3). Income investing works with years & years of proven history & analysis.
4). Sounds like Wellington to me...
by snarlyjack
Mon Apr 23, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

T. What I meant to say is: I don't invest in individual stocks so I really don't monitor their stocks. I have found quite a few bloggers that invest in VHDYX & VDIAX with their other funds & etf's. My impression is: Most FIRE people are using the dividend strategy. I might be wrong but... Here is 1 ...
by snarlyjack
Mon Apr 23, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

When we started this conservation is the Boglehead Philosophy Open To Change? I always said these are my opinions & what I' am doing. I have no idea what other people are doing. I believe that every investor must find their own way. Everyone is different. What works for me might not work for you. I ...
by snarlyjack
Mon Apr 23, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

Pajamas, Let me try to answer your question a different way. Let's take Warren Buffett & his buy of Coke-cola. I don't have the exact figures in front of me. But WB had his buy in price & his dividend level. His dividends has paid for his entire cost of coke-cola over the years (free trade). What is...
by snarlyjack
Mon Apr 23, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

FiveK,

I've been very open & forth right. If you go through
my posts at Bogleheads I have been more open than I
should have been. I' am a pretty private person. I don't
see a lot of people here discussing their money amounts
or their plans, some but not very many.
by snarlyjack
Mon Apr 23, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

Pajamas, Sorry, Yield On Cost. I've been in my funds for a couple of years now. When I first invested the SEC yield was 3%. (so my starting yield was 3%). However, the dividend growth has been approx. 8%. Dividend funds make money by the share price going up also by the dividend growth. Currently, m...
by snarlyjack
Mon Apr 23, 2018 10:11 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

T. Concerning FiveK question: I do not know how (MMM) Mr Money Mustache) invests. Nor, do I know how Early Retirement Extreme invests. I do know how Mr Free At 33 invests. Off the top of my head he is invested in about 100 dividend paying stocks. He has about $365,000. invested. He quit his job & mo...
by snarlyjack
Mon Apr 23, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

Nisiprius & T. I've analyzed the portfolio's or funds that the FIRE community uses. Same thing, you have a mix of funds... Some people really have a grasp on what their doing & others don't. One of my favorite bloggers (Millennial Revolution) use a 60/40 Balanced Fund. Other FIRE people use individu...
by snarlyjack
Mon Apr 23, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

Let's get to the heart of this. One last video... Dividends pay the bills...growth stocks don't. (Remember: I' am on my own in case of a emergency. Also, because of my age I have no plans on liquidating my portfolio. I do not want to kill the goose that lays the golden eggs). https://www.youtube.com...
by snarlyjack
Mon Apr 23, 2018 8:33 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

Nisiprius, Thank you for the charts. I would like you to analyze more index funds. Please take out the Vanguard Equity Income Fund (it is not a index fund). Add: TSM VHDYX VDAIX Add maybe the Vanguard Balanced Fund 60/40 AA. This will give everyone a more representative look of the popular funds. Th...
by snarlyjack
Mon Apr 23, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

I wanted to add to our conservation on dividends a short video on why I like dividends. Dividends are a hedge against the unexpected. (As you know my parents died & I' am on my own. My dividend funds are my backup to any emergency I might have. This is very important to me). enjoy... https://www.you...
by snarlyjack
Sun Apr 22, 2018 8:38 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

Indexonlyplease,

This article will help you.

"The Beginners Guide To Dividends"

I use 2 funds:
VHDYX (Vanguard High Dividend Yield Index Fund)
VDADX (Vanguard Dividend Appreciation Index Fund)

Enjoy...

https://www.thebalance.com/dividend-inv ... ion-357452
by snarlyjack
Sun Apr 22, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

(Sorry, I just finished mowing the yard). Mel Lindauer, Thank you & nice meeting you! We started this conversation with: Are The Bogleheads Philosophy Open To Change? I was just giving my suggestions... First of all I totality agree with you. "Most bloggers are not experts & anyone can be a blogger,...
by snarlyjack
Sun Apr 22, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

FiveK, I' am really not sure what your questions are? I looked at the blog links but see no questions. Ask again & I will answer to the best of my ability. T. I can literally show you 101 bloggers that disagree with you. But just to be fast I went to 1 blogger & looked at his blog roll on dividends....
by snarlyjack
Sun Apr 22, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

Triceratop, I understand exactly what you are saying & I appreciate your comments. As far as I' am concerned we have no problem. You must realize that converting from 1 fund to another fund later on in life can be super expensive. Some of us do have money in taxable accounts & yes, we do have taxes ...
by snarlyjack
Sun Apr 22, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

The difference is: I can live off of my dividends without having to liquidate any of my shares, (forever...). The larger the portfolio the better, more dividends coming my way. So in Montana the tax rate is 6.9% It's still way cheaper tax wise than working & paying all sorts of taxes. You can look a...
by snarlyjack
Sun Apr 22, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

(Sorry for the late response...I' am mowing the lawn). I' am paying the low tax of qualified long term dividend taxes. (Which in my tax bracket are very low). As far as being diversified (Off the top of my head). VHDYX has about 395 companies. VDAIX has about 175 companies. Total companies/stocks ab...
by snarlyjack
Sun Apr 22, 2018 1:24 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

I' am sure that you watched the "Yield On Cost" video that I just posted. What does that mean? What is it telling me? One of the things that Ian did was invest in 2007/2008 & his yield on cost is approx. 10% now. (according to the video). My plan is not to time the market. My plan is to DCA into any...
by snarlyjack
Sun Apr 22, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

The question was...Bogleheads Philosophy Open To Change? This is where the conversation starts to go awry. The answer to the original question...I don't know. The "Leaders" of the Bogleheads will have to let us know. I tried to present arguments in favor of a small change. In favor of some math I wo...
by snarlyjack
Sun Apr 22, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

What I look for is the "cross over point" in my analysis. The most important thing to me is the cross over point. What that means is = my dividends are more than my expenses. Once I've met my cross over point I' am free. If I get laid off, disabled, or want to take a extended vacation I can do it wi...
by snarlyjack
Sun Apr 22, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

Most (not all) of the FIRE community is using dividend paying stocks to set themselves free. When I first started I went on the internet & started checking for success stories. Most (not all) of the millionaires I found were using dividend strategies. For example, Warren Buffett, Ronald Read (The Ja...
by snarlyjack
Sun Apr 22, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

Their is another benefit to dividends... Let's say my dividend portfolio is throwing off $10,000 a year in dividends. Their is nothing that say's I can't take the dividends & invest that money into other funds. Their is no reason why I could not fund any fund that I would like to. This would spread ...
by snarlyjack
Sun Apr 22, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

True... (living off of dividends is a withdrawal). Currently 100% of my dividends are being reinvested to buy additional shares. What this does is speed up the compounding, (additional shares, compounding out the dividends) (dividends on dividends). Someday, I'll use the dividends to live off of. Wh...
by snarlyjack
Sun Apr 22, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

The difference is the withdrawal rate. Let me give you an example: I' am a young guy (24 years old). My investment horizon is age 100 - age 24 = 76 years. In my case I plan on not liquidating the portfolio & living off of dividends. So, I don't have to be concerned with the Trinity 4% rule. Once my ...
by snarlyjack
Sun Apr 22, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

Ok...Here is my opinion, for what it's worth. Some Bogleheads & the other FIRE communities use the 2 dividend paying index funds. We have that in common. But the Bogleheads are anti dividend funds where the FIRE community isn't. The Bogleheads are trying to be super tax-efficient where the FIRE comm...
by snarlyjack
Sun Apr 22, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

Most of the FIRE community is using individual stocks. The difference between the Fire Community & Bogleheads is we believe in index funds. Jack Bogle is right, individual stocks is a losing game. We have 2 great dividend paying index funds that will take us to freedom without the costs of buying & ...
by snarlyjack
Sun Apr 22, 2018 8:32 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8400

Re: Boglehead Philosophy Open To Change?

If the Boglehead Philosophy is open to change? I have 2 suggestions: (I have nothing to gain from this but the Bogleheads do). 1). I would like to see more of a emphasis put on FIRE. I see this as the wave of the future, especially for millennials. 2). The FIRE community is using dividend index fund...
by snarlyjack
Sat Apr 21, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: White Coat Investor Interviews Paul Merriman
Replies: 8
Views: 2377

Re: White Coat Investor Interviews Paul Merriman

Really Triceratop,

I suggest you listen to the pod-cast.
Then we'll talk about it...
by snarlyjack
Sat Apr 21, 2018 2:26 pm
Forum: Investing - Theory, News & General
Topic: White Coat Investor Interviews Paul Merriman
Replies: 8
Views: 2377

Re: White Coat Investor Interviews Paul Merriman

I listened to the podcast... Thank you for posting it.

I would like to offer a article that will refute most of what he said.

Enjoy...

http://jlcollinsnh.com/2012/04/15/stock ... -save-you/
by snarlyjack
Sat Apr 21, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 263
Views: 15678

Re: KF's simple rules to achieve FI

For those interested in FIRE.

Here is a letter that JL Collins wrote to his daughter
about FIRE. It is excellent...

Please read his letter.

http://jlcollinsnh.com/2011/06/08/how-i ... to-wealth/
by snarlyjack
Sat Apr 21, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 263
Views: 15678

Re: KF's simple rules to achieve FI

I do agree with Triceratop & Willthrill, For those who are trying to FIRE early using the LifeStrategy or TDF Funds, IMHO are the wrong funds to use. Their are other funds that are better for FIRE. We debate these funds every day. What we are trying to do is maximize our funds. Their is a "small" di...
by snarlyjack
Sat Apr 21, 2018 6:00 am
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 263
Views: 15678

Re: KF's simple rules to achieve FI

KF, Congrats for having a FIRE plan... In the past 3 years I have been studying FIRE plans. They are all different. Different tweaks around the edges, but still a plan. Like Jack Bogle would say "when experts disagree about minor details it usually doesn't matter". Every plan that I have studied 50/...
by snarlyjack
Fri Apr 20, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: What If Rip Van Winkle Invested In The Stock Market?
Replies: 6
Views: 1201

What If Rip Van Winkle Invested In The Stock Market?

What if Rip Van Winkle invested in the stock market? Dated July 2017. This is a interesting article on the power of long term buy & hold. Rolling periods between 1926 thru 2016. Behold the power of Rip Van Winkle. Enjoy... https://advisor.myadvisorcenter.com/sites/default/files/documents/files/portf...
by snarlyjack
Thu Apr 19, 2018 6:07 am
Forum: Investing - Theory, News & General
Topic: Bill Bonner: what's your take?
Replies: 38
Views: 3322

Re: Bill Bonner: what's your take?

TreadLightly, To quote Jack Bogle: "No one knows nothing"... As far as market timing: "I don't know anyone who can time the market & I don't know anyone who knows anyone who can time the market"... My strategy is...I dollar cost average into the market each payday & let the chips fall where they fal...
by snarlyjack
Tue Apr 17, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: Your Money Or Your Life
Replies: 49
Views: 6568

Your Money Or Your Life

I was scrolling through the internet today & found a article that the Bogleheads should really enjoy. Your Money Or Your Life & All The Flavors Of Fire. (Financial Independence Retire Early). This is what started it all for me. I hope you enjoy the article. Your looking at the future.... https://www...
by snarlyjack
Mon Apr 16, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: Cash instead of bonds?
Replies: 56
Views: 5439

Re: Cash instead of bonds?

DWesterb2iz2, Welcome to Bogleheads. I have read articles on the internet of people using this strategy. 1). It is super low cost (ER). 2). The cash will cushion the S & P fund. 3). You can design your own AA, 80/20, 60/40. etc. I have thought about this plan myself but chose to go a bit different. ...
by snarlyjack
Mon Apr 16, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: Two Centuries of U.S. Stock Market Indexes, 1802-2017
Replies: 47
Views: 3724

Re: Two Centuries of U.S. Stock Market Indexes, 1802-2017

Triceratop, Once again thank you for posting the study. I understand exactly what you are saying & I appreciate it. We have no problems... I would like to post a article for your consideration. Jack Bogle was mentioned in #4. https://www.dividend-growth-stocks.com/2017/05/why-dividends-matter.html
by snarlyjack
Sat Apr 14, 2018 11:02 pm
Forum: Investing - Theory, News & General
Topic: Meb Faber/Cambria/Trinity Funds
Replies: 44
Views: 2906

Re: Meb Faber/Cambria/Trinity Funds

Hey 220volt, Welcome to Bogleheads. I' am a young guy & I think I' am a very good investor. (I' am managing my $312,000. portfolio profitability). I can also think of some other young people here at Bogleheads that are very good investors. We might argue among ourselves on the exact best way to do t...
by snarlyjack
Sat Apr 14, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: Two Centuries of U.S. Stock Market Indexes, 1802-2017
Replies: 47
Views: 3724

Re: Two Centuries of U.S. Stock Market Indexes, 1802-2017

Triceratop, I read your study "Reconsidering Returns". Thank You for posting the study. I totality agree with the study & I think it might be part of our whole problem. The price index's are not created correctly. For example (my account) I received approx. 270 additional shares last year that do no...
by snarlyjack
Fri Apr 13, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: Questions about Benjamin Graham
Replies: 19
Views: 1611

Re: Questions about Benjamin Graham

2 Things.

1). Taylor Larimore...Have I told you lately that I think your great!

2). Benjamin Graham was Warren Buffett's mentor...if that tells you something.

(long term buy & hold...& collect the dividends while your waiting).
by snarlyjack
Fri Apr 13, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 5881

Re: The Most Important Investment Factor-Behavior

Thank you Nisiprius & AlohaJoe for clarification.
(I did not see the existing thread).

Having said that...this is a good article & interesting
podcast. We can learn from Bill Bernstein & that
was my intent. The more we know the better.

Once again thank you Nisiprius & AlohaJoe.