Search found 583 matches

by lostdog
Sat Oct 21, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 6857

Re: What are you driving? And would you buy your current ride again?

2011 Toyota Corolla. About 40k miles on it. I will try to make it 20 years and buy another Corolla in the year 2031.
by lostdog
Fri Oct 20, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5379

Re: Is a crash coming soon?

These posts are popping up a lot more recently.
by lostdog
Fri Oct 20, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Finally a win for teachers!! [403(b) modified to add funds]
Replies: 33
Views: 2807

Re: Finally a win for teachers!!

That is great story. I know FL teachers retirement benefits have been somewhat under attack in recent years. At least now if you have to save for retirement on your own you have some good choices. And YOU made that happen. The fact that nobody really cared just shows how financially illiterate most...
by lostdog
Thu Oct 19, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5379

Re: Is a crash coming soon?

Time in the market is better than timing the market.
by lostdog
Wed Oct 18, 2017 8:21 am
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 4828

Re: The overselling of international diversification

I side with Vanguard. Vanguard Total World Index Fund. The most bogleheadish fund in existence.
by lostdog
Tue Oct 17, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 54
Views: 4253

Re: Amazon Prime - Decline in Delivery Service?

We cancelled Amazon Prime and decided to use Walmart.com. They have free 2 day delivery with no yearly fee. Walmart is working extra extra hard to compete with Amazon. We also love the fact that we can pick up orders at the brick and mortar store if need be.
by lostdog
Tue Oct 17, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Thinking we are close to winning the game
Replies: 35
Views: 5768

Re: Thinking we are close to winning the game

You don't have to fully retire. Is semi-retirement an option? You mentioned the BS meter getting high. Find something you like with a no or low BS meter full time or part time. Financial independence gives you options.
by lostdog
Sat Oct 14, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: All in with Balanced Index fund
Replies: 41
Views: 4945

Re: All in with Balanced Index fund

Excellent fund for someone not interested in international exposure and keeping a balanced approach. Set it and forget it.
by lostdog
Wed Oct 11, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13822

Re: [Boglehead vs Mr Money Mustache philosophies]

If you don't want to be shackled to a job follow the MMM philosophy. Instead of saying the word "money", use the word "freedom".
by lostdog
Tue Oct 10, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3025
Views: 885721

Re: What Movie Have You Recently Watched?

Blade Runner 2049 . I thought it was absolutely stunning, one of my favorites of the year along with Logan and John Wick: Chapter 2 . See it on the biggest screen you can find. It expands on the themes from the original in fascinating ways (what does it mean to be human/have rights, what does it me...
by lostdog
Tue Oct 10, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13822

Re: Hope I'm not unwittingly wading into anything here...

cutterinnj wrote:
Mon Oct 09, 2017 3:45 pm
Bogleheads: Folks who wish to optimize their financial portfolios by removing waste

MMM: Hippies who also follow Bogle.
I guess I am a boglehead hippie. :sharebeer
by lostdog
Mon Oct 09, 2017 7:39 am
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 15565

Re: Bogle himself is saying we will expect like 3% for the next decades

The question becomes, would any rational individual go ahead and put money in a 401k and IRA knowing that there was a GOOD (not 100%) chance that real returns will be around 3% for the next 20 years. What are your thoughts? Yes, it would be rational to save money in that environment. I expect these...
by lostdog
Sun Oct 08, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3025
Views: 885721

Re: What Movie Have You Recently Watched?

Blade Runner 2049 . I thought it was absolutely stunning, one of my favorites of the year along with Logan and John Wick: Chapter 2 . See it on the biggest screen you can find. It expands on the themes from the original in fascinating ways (what does it mean to be human/have rights, what does it me...
by lostdog
Fri Oct 06, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Where do you think the money will come from to move the overall market higher?
Replies: 31
Views: 2248

Re: Where do you think the money will come from to move the overall market higher?

Recent polls suggest the general public and professional money managers are both getting skittish about valuations. If these polls are correct, and if people slow their equity investments, where do you see the demand coming from? 3 numbers and a letter. 401k so many people are just dumping $$ in ev...
by lostdog
Fri Oct 06, 2017 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Where do you think the money will come from to move the overall market higher?
Replies: 31
Views: 2248

Re: Where do you think the money will come from to move the overall market higher?

Recent polls suggest the general public and professional money managers are both getting skittish about valuations. If these polls are correct, and if people slow their equity investments, where do you see the demand coming from? 3 numbers and a letter. 401k so many people are just dumping $$ in ev...
by lostdog
Fri Oct 06, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 4036

Re: Too much house? (nervous 1st time buyer)

KlangFool wrote:
Thu Oct 05, 2017 9:51 pm
Rent. Don't buy. You are single. Why would you buy a house?

Klangfool
+1

It's just wife and I. We're selling in the Spring. We will be renters for life.

In your situation right now. Stay renting.
by lostdog
Thu Oct 05, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: How much should an 18 year old keep in bonds?
Replies: 28
Views: 1401

Re: How much should an 18 year old keep in bonds?

Go with Vanguard Total World Index. At 18 that is all you need for the next 20 or 30 years. Add bonds when you get closer to your retirement whenever that may be. It really is that simple. Don't get caught up with the international debates on this board. Don't fall for the all U.S. home country bias...
by lostdog
Wed Oct 04, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: 2M savings investment help
Replies: 37
Views: 4986

Re: 2M savings investment help

Anytime is the best time to invest. Time in the market is better than timing the market.
by lostdog
Wed Oct 04, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 4237

Re: another 2 comma club member

Congratulations! :sharebeer
by lostdog
Mon Oct 02, 2017 7:49 am
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 9775

Re: Current Bull Market could last years

No idea. Stay invested, ignore the noise and stay the course.
by lostdog
Fri Sep 29, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Boglehead Investing Simplicity Leading to Simplifying Life?
Replies: 21
Views: 2047

Re: Boglehead Investing Simplicity Leading to Simplifying Life?

Seven years ago DW and I downsized from a big house to a nice-sized apartment near public transportation, shopping, and the library . In the process, we decluttered a gazillion items in a myriad of ways. Two years ago I came across Marie Kondo's book on decluttering, and reduced my belongings even ...
by lostdog
Fri Sep 29, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Boglehead Investing Simplicity Leading to Simplifying Life?
Replies: 21
Views: 2047

Re: Boglehead Investing Simplicity Leading to Simplifying Life?

I have converted all my 401(k)'s, 403(b)'s, and pensions into a single three-fund Vanguard IRA. Sold off the rentals. Donating non-liquid investments when the taxes make sense. Now working on junk around the house. Once the kid goes off to college, we will probably either radically downsize to a co...
by lostdog
Fri Sep 29, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Boglehead Investing Simplicity Leading to Simplifying Life?
Replies: 21
Views: 2047

Re: Boglehead Investing Simplicity Leading to Simplifying Life?

Great responses so far. Another thing we do is look at the item as and ask, "Does it add any value?" If it doesn't we'll get rid of it.
by lostdog
Fri Sep 29, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Boglehead Investing Simplicity Leading to Simplifying Life?
Replies: 21
Views: 2047

Boglehead Investing Simplicity Leading to Simplifying Life?

One aspect of Bogleheads is simplifying our investment life and LBYM. Has anyone taken this a step further by simplifying your life? Have you explored minimalism and embraced it? For this to be actionable, what were your first steps to making this happen?

https://nosidebar.com/living-small/
by lostdog
Fri Sep 29, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Weird, meaningless, but fun net worth threshold!
Replies: 13
Views: 2660

Re: Weird, meaningless, but fun net worth threshold!

Congratulation! :sharebeer

When you found this forum, did you make lifestyle/finance changes?
by lostdog
Thu Sep 28, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: I am in the investment advice industry and I'm not sure if I provide any value
Replies: 67
Views: 6436

Re: I am in the investment advice industry and I'm not sure if I provide any value

You're providing value to your clients by just getting them to invest. Most Americans don't invest so just getting them to invest is a huge feat. I tried to bring up the boglehead way to friends and all i got was deer in headlights looks or they don't have the time. I just keep it to myself from now...
by lostdog
Thu Sep 28, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: My Smartest Financial Moves
Replies: 62
Views: 6011

Re: My Smartest Financial Moves

paid off debt including mortgage
Indexing
Simplify/Minimalism
Will sell home
by lostdog
Thu Sep 28, 2017 10:22 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 14754

Re: Why do you LBYM? Why do you save and invest?

We started LBYM when I experienced my first "bad boss". I was miserable every day because of this person. At the time I was with the company for a long time and making a lot of money. I knew the only way out was saving hard. I learned about FI and knew the only way to get back at your bad employer ...
by lostdog
Thu Sep 28, 2017 8:19 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 14754

Re: Why do you LBYM? Why do you save and invest?

We started LBYM when I experienced my first "bad boss". I was miserable every day because of this person. At the time I was with the company for a long time and making a lot of money. I knew the only way out was saving hard. I learned about FI and knew the only way to get back at your bad employer w...
by lostdog
Mon Sep 25, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11746

Re: Lifestyle Creep

A luxury car. An Infiniti G37x coupe. It was a mistake and I learned my lesson. Never again. I sold it and bought a used 2011 Toyota Corolla. Why the regret? Did you have problems? Purchased a G37s Coupe 2 years ago, and despite depreciation have been relatively happy. Cost of ownership and the win...
by lostdog
Mon Sep 25, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11746

Re: Lifestyle Creep

Well at 64 this worked for me- Own one house 37 years Had the best job for me-worked for fed-ex and coached cross country and track 23 years still going at a local Hs Married once 38 years I tell everyone married ugly they will never leave you. Most say I see your wife followed your advice haha It ...
by lostdog
Mon Sep 25, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11746

Re: Lifestyle Creep

A luxury car. An Infiniti G37x coupe. It was a mistake and I learned my lesson. Never again. I sold it and bought a used 2011 Toyota Corolla.
by lostdog
Mon Sep 25, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing into U.S.Stocks
Replies: 31
Views: 2743

Re: Rebalancing into U.S.Stocks

Or just go with market cap weight and move on. Total World Index.
by lostdog
Sun Sep 24, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: "My Favorite Mutual Fund"
Replies: 14
Views: 1992

Re: "If I could own only one mutual fund or ETF it would be a low-cost Total U.S. Market Index Fund."

"If I could own only one mutual fund or ETF it would be a low-cost Total U.S. Market Index Fund." Reasons #4 and #5 are a little incorrect for me: if I had to choose I would go with Vanguard Total World Stock Index Fund (VTWSX / ETF: VT). #4: No Tracking Error No tracking error relative to what ? C...
by lostdog
Sat Sep 23, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 79
Views: 7383

Re: Help?! My 70 year old father is 100% invested in equities

Let him be. If you make changes for him and something happens, he'll blame you.
by lostdog
Thu Sep 21, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24301

Re: I won the Lottery. Need sound advice.

123 wrote:
Thu Sep 21, 2017 12:56 am
A million dollars really doesn't really go very far these days.
Actually it does. It depends on your lifestyle.
by lostdog
Wed Sep 20, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 25406

Re: Calling out the not so rich bogleheads

Iliketoridemybike wrote:
Wed Sep 20, 2017 12:31 pm
Rich is having options. I know a lot people who have no choice.
+1
by lostdog
Tue Sep 19, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 25406

Re: Calling out the not so rich bogleheads

My wife is 39 and I am 42. Our investible assets are about $450,000. Our house is worth around $190,000. We are your average middle class couple with no kids by choice. We're selling the house next Spring. We want to go back to the college life except we're not poor this time. We'll enjoy our bikes ...
by lostdog
Tue Sep 19, 2017 7:03 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9049

Re: Bogleheads you would most like to meet and why?

Toons. Short and simple answers that go a long way.
by lostdog
Mon Sep 18, 2017 7:01 am
Forum: Investing - Theory, News & General
Topic: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"
Replies: 33
Views: 5004

Re: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"

Time in the market is better than timing the market. Keep investing in good times and in bad times.
by lostdog
Sun Sep 17, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 68
Views: 5654

Re: What is FI if you love your job?

FI gives you choices. If you love your job, great. If it all of a sudden sucks and you get a bad boss, you can give them the middle finger and leave. Well in reality you would find something else and put in your two weeks. ;)
by lostdog
Sat Sep 16, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3025
Views: 885721

Re: What Movie Have You Recently Watched?

Blade Runner from 1982. I am looking forward to the sequel in early October. Blade Runner 2045.
by lostdog
Fri Sep 15, 2017 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47379

Re: Equifax customer information leak

I got this email from Credit Karma this morning. A free credit monitoring service with a nice app for your phone You'll get an alert via email and from the phone app if anything changes on your report. "You might have heard about the recent Equifax data breach, which affects about 143 million people...
by lostdog
Thu Sep 14, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Milestone Reached - "Quarter Millionaire!"
Replies: 41
Views: 4865

Re: Milestone Reached - "Quarter Millionaire!"

Congratulations! $500k will happen happen before you know it. Stay the course through thick and thin.
:sharebeer
by lostdog
Tue Sep 12, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24280

Re: Name something you had to have and now you regret purchasing it?

Our house. Going to sell in the Spring. We enjoyed living like college students more except this time around we're not broke. :sharebeer
by lostdog
Tue Sep 12, 2017 7:32 am
Forum: Investing - Theory, News & General
Topic: What If U.S. Stocks Stay Expensive For Years?
Replies: 50
Views: 7467

Re: What If U.S. Stocks Stay Expensive For Years?

alex_686 wrote:
Mon Sep 11, 2017 11:18 am
lostdog wrote:
Mon Sep 11, 2017 11:15 am
Not worried. Total World Stock Index for life.
That too is running at high multiples. I can't think of an asset class that is not near its high intrinsic valuation. So save more or chase risky yield.
Saving more sounds better. :sharebeer