Search found 1990 matches

by lostdog
Wed Nov 20, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Vacuum recommendations
Replies: 26
Views: 1080

Re: Vacuum recommendations

Rainbow.
by lostdog
Wed Nov 20, 2019 9:22 am
Forum: Investing - Theory, News & General
Topic: market went down in 2018, so why do people forget that
Replies: 48
Views: 4879

Re: market went down in 2018, so why do people forget that

It gets "clicks" to say we've had some uninterrupted Bull Market for 10 years and we're due for a major correction, when in actuality we've had two bear markets, one in 2011 and one in 2018. But nobody seems to ever "correct the record" about this assertion, yet I see it all the time. It just doesn...
by lostdog
Tue Nov 19, 2019 9:04 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 149
Views: 29313

Re: Jack Bogle - Two Fund Portfolio

abuss368 wrote:
Tue Nov 19, 2019 8:34 pm
lostdog wrote:
Tue Nov 19, 2019 8:20 pm
Vanguard's two fund of VT and BNDW. Simple and diversified.

Jack's two fund portfolio, simple and undiversified.
Is that international bond or global bond? I am not familiar with the ticker symbols.
VT-Vanguard Total World Stock Index
BNDW-Vanguard Total World Bond Index
by lostdog
Tue Nov 19, 2019 8:20 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 149
Views: 29313

Re: Jack Bogle - Two Fund Portfolio

Vanguard's two fund of VT and BNDW. Simple and diversified.

Jack's two fund portfolio, simple and undiversified.
by lostdog
Tue Nov 19, 2019 8:49 am
Forum: Investing - Theory, News & General
Topic: Vanguard’s chief economist says [elevated risk of stock drawdowns]
Replies: 42
Views: 3986

Re: Vanguard’s chief economist says...

South Dakota has commissioned a public service campaign with the somewhat puzzling tagline “Meth. We’re on it.” More on topic: “Our near-term outlook for global equity markets remains guarded, and the chance of a large drawdown for equities and other high-beta [more volatile] assets remains elevate...
by lostdog
Tue Nov 19, 2019 8:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208617

Re: U.S. stocks continue to soar!

We were sideways for two years and we had a 20% correction last year. I'm not seeing euphoria...
by lostdog
Mon Nov 18, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: At What Point Did You Realize You Made It?
Replies: 47
Views: 6922

Re: At What Point Did You Realize You Made It?

Just the dividends from our brokerage account pays for rent and utilities for our luxury apartment. Like a paid off house minus the maintenance headaches.
by lostdog
Sun Nov 17, 2019 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Disturbing experience with Ally Bank
Replies: 89
Views: 10111

Re: Disturbing experience with Ally Bank

We're about to close on our house. When the title company hands over the check, I'll drive to my bank and deposit the check. My goal is to transfer it to Vanguard. Supposedly with such a large amount, will I into run into any red tape? This thread has me concerned. You should be fine, as long as yo...
by lostdog
Sun Nov 17, 2019 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Disturbing experience with Ally Bank
Replies: 89
Views: 10111

Re: Disturbing experience with Ally Bank

We're about to close on our house. When the title company hands over the check, I'll drive to my bank and deposit the check. My goal is to transfer it to Vanguard.

Supposedly with such a large amount, will I into run into any red tape? This thread has me concerned.
by lostdog
Sun Nov 17, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: Is the FIRE Movement Responsible for this Historic Bull Market Run
Replies: 76
Views: 6081

Re: Is the FIRE Movement Responsible for this Historic Bull Market Run

The market and economy have been amazing for the last 2-3 years, i dont know the cause, but certainly its been great for workers and investors! And yet there are quite a bit of investors and non-investors sitting on the sidelines. A good indicator this bull market has more to give us. When the chat...
by lostdog
Sat Nov 16, 2019 9:29 am
Forum: Investing - Theory, News & General
Topic: SP500 is very top heavy right now
Replies: 134
Views: 11209

Re: SP500 is very top heavy right now

Vanguard Total World Index helps me sleep very well at night.
by lostdog
Sat Nov 16, 2019 8:30 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208617

Re: U.S. stocks continue to soar!

We don't have the euphoria speak from non-investor crowd. They're not jumping in yet.

The fear in the media is a good thing at the moment.
by lostdog
Fri Nov 15, 2019 10:48 pm
Forum: Investing - Theory, News & General
Topic: Is the FIRE Movement Responsible for this Historic Bull Market Run
Replies: 76
Views: 6081

Re: Is the FIRE Movement Responsible for this Historic Bull Market Run

peseta wrote:
Fri Nov 15, 2019 12:20 pm
What's funny is that the answer may be "yes" to the question if it's flipped around: "Is this historic bull market run responsible for the FIRE movement?"

:happy
Yes. The next recession you'll see a lot of the FIRE blogs disappear.
by lostdog
Fri Nov 15, 2019 10:40 pm
Forum: Investing - Theory, News & General
Topic: Is the FIRE Movement Responsible for this Historic Bull Market Run
Replies: 76
Views: 6081

Re: Is the FIRE Movement Responsible for this Historic Bull Market Run

Don’t think so. Most people don’t know what FIRE is. I think low interest rates, solid earnings, growth, and favorable tax policy have all contributed to this bull market. :sharebeer +1 Too few people are doing it. Most people cannot cover a $1k emergency and live paycheck to paycheck. +2 The FIRE ...
by lostdog
Fri Nov 15, 2019 10:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208617

Re: U.S. stocks continue to soar!

Is there a sense of the fear of missing out yet?
by lostdog
Fri Nov 15, 2019 10:52 am
Forum: Investing - Theory, News & General
Topic: 3 funds and 3% withdraw rate
Replies: 22
Views: 1108

Re: 3 funds and 3% withdraw rate

https://www.forbes.com/sites/dirkcotton/2019/03/28/the-mystery-of-dividend-preference-and-the-spend-dividends-only-strategy/#5d47f1214732 Thank you. Great article. Dividend is indeed a forced sell with the schedule determined by the company. Yeah it was. That was my first time reading the article. ...
by lostdog
Fri Nov 15, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: 3 funds and 3% withdraw rate
Replies: 22
Views: 1108

Re: 3 funds and 3% withdraw rate

After following this forum for a few months, I am completely sold by the simple retirement strategy that has been practiced by a lot of people here. Specifically, I like the 3 funds portfolio idea and I am also comfortable with the 3% SWR. I am planing to retire next year at age 55. Already have 12...
by lostdog
Fri Nov 15, 2019 9:35 am
Forum: Investing - Theory, News & General
Topic: 3 funds and 3% withdraw rate
Replies: 22
Views: 1108

Re: 3 funds and 3% withdraw rate

After following this forum for a few months, I am completely sold by the simple retirement strategy that has been practiced by a lot of people here. Specifically, I like the 3 funds portfolio idea and I am also comfortable with the 3% SWR. I am planing to retire next year at age 55. Already have 12...
by lostdog
Thu Nov 14, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Disturbing experience with Ally Bank
Replies: 89
Views: 10111

Re: Disturbing experience with Ally Bank

I just got locked after I did a few ACH transfers yesterday and today. We're switching banks because of a move. I called this morning a few hours ago. I'm still locked out. I'll have to call again.

I guess I'm better off bringing a check into the bank.
by lostdog
Mon Nov 11, 2019 8:16 am
Forum: Investing - Theory, News & General
Topic: VTWAX/VTWSX availability at Fidelity
Replies: 18
Views: 2091

Re: VTWAX/VTWSX availability at Fidelity

Anyone here with VTWSX or VTWAX holding at Fidelity? One taxable account popped up and we prefer mutual funds over ETFs and I was looking for a broad diversified world index fund at Fidelity. Why not hold it at Vanguard? +1 If you have the opportunity to move to Vanguard VTWAX is super simple. Othe...
by lostdog
Sun Nov 10, 2019 9:06 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2530
Views: 466735

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

24% Great, since everything is on autopilot. Was shocked until I looked at my numbers for past 2 years - I forgot about the ~14% drop in 4Q 2018 im global weight so essentially treading water since the high in feb of 2018. if i were 100% US the performance would be better but still not amazing, fro...
by lostdog
Sun Nov 10, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: VTWAX/VTWSX availability at Fidelity
Replies: 18
Views: 2091

Re: VTWAX/VTWSX availability at Fidelity

You'll just have to use VT. I think Fidelity has free trades now?
by lostdog
Fri Nov 08, 2019 7:06 pm
Forum: Personal Investments
Topic: Is there any vanguard fund similar to Target Retirement NOT so intl heavy??
Replies: 15
Views: 1494

Re: Is there any vanguard fund similar to Target Retirement NOT so intl heavy??

Feel free to chime in one why you think such a large international component is wiser. thank you! Vanguard thinks it's wiser. That means a lot to me... and not a lot to some other folks who think they know better than all the people who make these target date funds at various companies. If you thin...
by lostdog
Wed Nov 06, 2019 2:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208617

Re: U.S. stocks continue to soar!

What sticks in my head is the market has been sideways for two years...

CNBC, Marketwatch and all of the other junk media are just sports commentators calling the "game" everyday during market hours. Just entertainment.
by lostdog
Sat Nov 02, 2019 2:13 pm
Forum: Investing - Theory, News & General
Topic: Justifying Non World Market Cap
Replies: 38
Views: 2356

Re: Justifying Non World Market Cap

Vanguard will go from 40% international to world market cap when the older generation moves on. There is still quite a bit of the old ideology. You see it on this board in the international debate threads. Vanguard knows this. There is a lot of money still around within the older crowd so Vanguard d...
by lostdog
Tue Oct 29, 2019 6:35 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208617

Re: U.S. stocks continue to soar!

The enthusiasm on this thread is astounding. So are we gonna bump that one MarketTimer thread where he called the top at 2832 and went short S&P 500? Or we're not really about that any more? The shorts may yet win. Hey, what's the correct CAPE10 for an economy with weak inflation, tepid growth, low...
by lostdog
Mon Oct 28, 2019 8:37 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208617

Re: U.S. stocks continue to soar!

Stinky wrote:
Mon Oct 28, 2019 8:35 am
Stinky wrote:
Mon Oct 28, 2019 7:36 am
Stinky wrote:
Sun Oct 27, 2019 8:02 pm

This is the week for a break out to new highs.

I can feel it in my (aging) bones.
Looking good for a strong open.

S&P Futures are up about eight points.
NEW HIGHS on S&P!

Is the media going to say new highs every time until it gets old?
by lostdog
Sun Oct 27, 2019 3:35 pm
Forum: Personal Investments
Topic: New International Core Fund
Replies: 15
Views: 2046

Re: New International Core Fund

Vulcan wrote:
Sun Oct 27, 2019 3:07 pm
lostdog wrote:
Sun Oct 27, 2019 8:43 am
Vulcan wrote:
Thu Oct 10, 2019 9:12 pm
VTWAX and forget it.
+1

I like this just as much as VT and chill.
There are some differences :oops:
viewtopic.php?t=148757#p2223489
Good list. Thanks.
by lostdog
Sun Oct 27, 2019 8:43 am
Forum: Personal Investments
Topic: New International Core Fund
Replies: 15
Views: 2046

Re: New International Core Fund

Vulcan wrote:
Thu Oct 10, 2019 9:12 pm
VTWAX and forget it.
+1

I like this just as much as VT and chill.
by lostdog
Sun Oct 27, 2019 8:16 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208617

Re: U.S. stocks continue to soar!

Fear is just human nature. Some have more control over it compared to others.
by lostdog
Sat Oct 26, 2019 7:09 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1027
Views: 140217

Re: Post your Financial Milestone Announcements Here

Networth around 781k but our assets at Vanguard just passed 500k. Hopefully it stays there for awhile so we get upgraded to Voyager Select status at some point. Next goal is Flagship.
by lostdog
Sat Oct 26, 2019 5:33 pm
Forum: Personal Investments
Topic: Do You Pay For Financial Advice?
Replies: 76
Views: 4335

Re: Do You Pay For Financial Advice?

No. I do it myself thanks to Bogleheads. I'm very grateful for this wonderful community.
by lostdog
Sat Oct 26, 2019 7:32 am
Forum: Investing - Theory, News & General
Topic: What were the best portfolios during the "lost decade" 2000-2009?
Replies: 33
Views: 3624

Re: What were the best portfolios during the "lost decade" 2000-2009?

Someone else can chime in with some hard data but I think international did really well during this time period.

I assume if you had a 40% international allocation during this time, you were doing well. I could be wrong.
by lostdog
Thu Oct 24, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Is Google Drive enough for me?
Replies: 64
Views: 3770

Re: Is Google Drive enough for me?

I have read a few past threads on the subject of backing up my files to a cloud and how secure it is. I have contemplated encrypting my files before uploading them to Google Drive but would prefer not to have that hassle. I really love how easy it is to use Google Drive to backup a single folder on...
by lostdog
Thu Oct 24, 2019 7:52 am
Forum: Personal Investments
Topic: Emergency Fund - why not VTSAX?
Replies: 52
Views: 4775

Re: Emergency Fund - why not VTSAX?

Thanks, very educational. The comparisons are to the Vanguard Prime Money Market Fund, VMMXX, which is quite similar in its characteristics to the best and most competitive bank savings accounts. Would VMMXX be then a better choice then? Yes or the Vanguard Federal Money Market. If you have a broke...
by lostdog
Thu Oct 24, 2019 7:38 am
Forum: Investing - Theory, News & General
Topic: "Invest In The Largest Mutual Fund In The World" World:
Replies: 17
Views: 2667

Re: "VTSAX Review: Invest In The Largest Mutual Fund In The Largest Mutual Fund In The World" The World

lazyday wrote:
Wed Oct 23, 2019 10:14 am
Don't buy the whole haystack, just own the US!
+1

Then show up.late to the party when international does well. Start a thread asking if you should get back into total international index because VTSAX is such a drag.
by lostdog
Sun Oct 20, 2019 4:12 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2633
Views: 1716994

Re: The Three-Fund Portfolio

Dear Taylor Thank you for replies. I know you are a strong advocate of passive index strategies as you pointed out in your books. Our family portfolio is all 90% TSM/S&P 500, with 10% tilt on SCV. I am going to re-evaluate getting rid of SCV to make things simpler. However your argument that it wou...
by lostdog
Sat Oct 19, 2019 7:58 am
Forum: Investing - Theory, News & General
Topic: Investing for the "great sag" - Dalio
Replies: 65
Views: 10369

Re: Investing for the "great sag" - Dalio

We've been sideways for two years. The same thing happened in 2015 and 2016. This is just garbage click bait noise. The 10 year bull market is a click bait story made up by the press to help get clicks when they write something about it being over with very soon. They just want people to take action.
by lostdog
Thu Oct 17, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: What percent of net worth should a persons house be?
Replies: 141
Views: 10345

Re: What percent of net worth should a persons house be?

I think Klangfool had a system in place for this. Hopefully he'll chime in. To answer your question I believe up to 20% is reasonable. I also believe that home value should be part of your networth calculation. Especially if it's not your forever home and plan on selling in the future. lostdog, Let...
by lostdog
Thu Oct 17, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: What percent of net worth should a persons house be?
Replies: 141
Views: 10345

Re: What percent of net worth should a persons house be?

I think Klangfool had a system in place for this. Hopefully he'll chime in.

To answer your question I believe up to 20% is reasonable.

I also believe that home value should be part of your networth calculation. Especially if it's not your forever home and plan on selling in the future.
by lostdog
Thu Oct 17, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 10054

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

We transitioned from Apple iPhone to Google Pixel.

Pixels have the pure version of Google's Android. Zero issues.
by lostdog
Wed Oct 16, 2019 10:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard: the case for global equity investing
Replies: 160
Views: 12338

Re: Vanguard: the case for global equity investing

Since there are 195 Countries in the World today that looks pretty good to me. How many with a population over 100 million score better? Each comparison used a slightly different universe of countries, but most were comparing the US to other so-called "developed countries" which — depending on the ...
by lostdog
Tue Oct 15, 2019 5:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208617

Re: U.S. stocks continue to soar!

z3r0c00l wrote:
Tue Oct 15, 2019 5:36 pm
Trader Joe wrote:
Tue Oct 15, 2019 5:35 pm
U.S. Stock Market continues to do great.

2,995.68 +29.53 (1.00%)
Been over 3,000 a few times now, the key is to stay there!
It's been two years of sideways taunting since January 2018. Something will give, either up or down.
by lostdog
Mon Oct 14, 2019 12:18 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 137
Views: 19423

Re: The One-Fund Portfolio as a default suggestion

longinvest wrote:
Mon Oct 14, 2019 11:21 am
I really enjoy the simplicity of having a globally-diversified balanced portfolio using a single exchange-traded fund.

What about you?
I do also.

I have VT in my taxable account and SPGM in our tax advantaged account. I'll add BNDW later.
by lostdog
Mon Oct 14, 2019 12:11 pm
Forum: Personal Investments
Topic: Brokerage Dividends Mistakes
Replies: 6
Views: 488

Re: Brokerage Dividends Mistakes

You can easily log into Vanguard and set alerts for many things - Go to Account Maintenance, then Alerts, then Stock & ETF alerts. Under Market Alerts at the bottom of the page, enter the symbol of your fund, and pick Dividends. In December 2018, Vanguard did in fact make some errors that they had ...
by lostdog
Mon Oct 14, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 93
Views: 7714

Re: Vanguard keeps pushing their financial advisors...why?

SxSW wrote:
Sun Oct 13, 2019 11:06 am
RickBoglehead wrote:
Sat Oct 12, 2019 6:42 am

Vanguard is not trying to win customers from other brokerages.
Of course they are. They are trying to increase revenue just like any other business.
And lower costs for us. That's a good thing.
by lostdog
Sun Oct 13, 2019 8:29 am
Forum: Personal Investments
Topic: Money Market Decision
Replies: 32
Views: 3062

Re: Money Market Decision

My only concern about transferring monies to VMFXX is the lack of FDIC Insurance. I know many folks on this site keep a large amount of funds in Vanguard Money Market funds, do you have any concerns? Am I worrying senselessly? Most of my savings are in Vanguard money market funds. I have no worries...
by lostdog
Sat Oct 12, 2019 9:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: the case for global equity investing
Replies: 160
Views: 12338

Re: Vanguard: the case for global equity investing

Thank you for sharing. I will not be surprised if Vanguard eventually recommenced a 50% / 50% split. Or they'll replace total stock and total international with total world in their target date and life strategy funds. I think this will happen maybe in a decade when the younger crowd takes over wit...