Search found 1223 matches

by lostdog
Sun Nov 11, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 333
Views: 72253

Re: How much international stock? A suggestion.

Absolutely debunked. And handily, I might add. No contest. If that's what you think, then more power to you and good luck with your investing. As far as I can see, most open-minded and well-educated investors can see through the xenophobic rhetoric and embrace the principles of diversification. +1 ...
by lostdog
Sun Nov 11, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: E. Jones/Vanguard and now Fisher Investments
Replies: 36
Views: 4582

Re: E. Jones/Vanguard and now Fisher Investments

The simple way out: Call Vanguard. Ask them how to transfer. They will give you instructions on how to best make the transfers for the cheapest cost. Then choose the asset allocation you want and match it to the appropriate target date fund. At 0.13%, $1.3M will cost you $1690 per year. There are w...
by lostdog
Sun Nov 11, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 39
Views: 3115

Re: Planet Fitness etc.,

I have been a PF black card member for 4 yrs. I go 6 days a week. Wife gets in for free 5 days a week. Equipment changes every 3 yrs. Local area manager comes through often and checks place over. They have a full time staff member cleaning 5 days a week. If you have issues, email or tweet HQ, they ...
by lostdog
Sun Nov 11, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 71
Views: 7488

Re: Are We In A Real Estate Bubble?

From what I have seen in the northern parts of San Diego county prices are plateauing, they are getting to a point where there aren't enough capable buyers I think. To me it's looks like ~12x the median income starts becoming the upper limit for North County San Diego cities. At least for SFHs. And...
by lostdog
Sat Nov 10, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Admiral share class for total world stock
Replies: 20
Views: 1557

Re: Admiral share class for total world stock

I guess I'm curious about the process by which Vanguard makes the decision to offer Admiral shares. I doubt that Vanguard will every offer Admiral shares again. The ETF structure is cheaper to run a mutual fund structure. ETFs are the future. +1 Furthermore, the popularity of ETFs may be a signific...
by lostdog
Sat Nov 10, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 39
Views: 3115

Re: Planet Fitness etc.,

I am there 5 to 6 days a week and so far it's fine. I've been there for a year.
by lostdog
Sat Nov 10, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 333
Views: 72253

Re: How much international stock? A suggestion.

The inception date of Vanguard Total Stock U.S. Stock Market Index Fund ( VTSMX ) was 4/27/1992. The inception date of Vanguard Total International Stock Index Fund ( VGTSX ) was 4/29/1996. Per Morningstar , as of 4/4/2018, if you had invested $10,000 in both funds on 4/29/1996, you would currently...
by lostdog
Sat Nov 10, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 333
Views: 72253

Re: How much international stock? A suggestion.

He consistently makes such arguments, it's true, but only a subset of investors find them compelling thankfully. And I assume these people invest based on authority(Jack) and their strong emotions on patriotism and non-rational thinking. If international kicks up in the future, you won't see these ...
by lostdog
Sat Nov 10, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 333
Views: 72253

Re: How much international stock? A suggestion.

Jack Bogle consistently makes compelling arguments for NOT investing in ex-US, as a US investor: He consistently makes such arguments, it's true, but only a subset of investors find them compelling thankfully. And I assume these people invest based on authority(Jack) and their strong emotions on pa...
by lostdog
Sat Nov 10, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 119
Views: 10865

Re: If expenses are low, are some of us over saving?

My wife and I are debt free including mortgage. We don't keep a budget. We had a great time this past year. Eating out, kayaking, biking, fishing, visiting family and friends. Staycations etc....Next year we're adding some traveling to our list which will add about 5k. According to Quicken we're on ...
by lostdog
Fri Nov 09, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: Stock markets not at all time highs
Replies: 19
Views: 2408

Re: Stock markets not at all time highs

Here comes the subtle jabs to international investing...again by the same people.

I am enjoying buying stocks at cheap prices.
by lostdog
Thu Nov 08, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard closure last week
Replies: 20
Views: 4275

Re: Vanguard closure last week

I'm assuming they will not provide details for security concerns which I think is good.
by lostdog
Wed Nov 07, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: November "Bogleheads On Investing" podcast with guest Jonathan Clements
Replies: 18
Views: 2196

Re: November "Bogleheads On Investing" podcast with guest Jonathan Clements

Great listen. Thanks for bringing up the FIRE movement and the two fund portfolio.
by lostdog
Wed Nov 07, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 46
Views: 6025

Re: Move savings to Prime Money Market Fund (VMMXX)

I like the Federal Money Market. What's even better is it's the sweep account.
by lostdog
Wed Nov 07, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Should I wait to deposit my 401k rollover check from Fidelity?
Replies: 14
Views: 833

Re: Should I wait to deposit my 401k rollover check from Fidelity?

Time in the market is better than timing the market.

Let long term compounding work for you ASAP.

Short term doesn't matter.
by lostdog
Tue Nov 06, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14223

Re: How much money are you leaving your kids after you die?

My mother is 70 and she is gifting us on a regular basis.
by lostdog
Sun Nov 04, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 8363

Re: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]

I think a lot of these comments are over dramatized and out of touch. Most of these FIRE people are debt free and live normal middle and lower class lives. They pretty much don't keep up with the Joneses and minimize their collection of "stuff". It really is that easy to save a lot and live a normal...
by lostdog
Sun Nov 04, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18148

Re: Vanguard website "unavailable during weekend of Nov 3"

I worked in IT for 20 years.

Whenever we planned for down times there were always a few that complained and some end users were so called experts. We would chuckle and laugh it off. This thread is not so different.
by lostdog
Wed Oct 31, 2018 7:34 am
Forum: Investing - Theory, News & General
Topic: Limting Human Bias - 3 Fund VS Vanguard Target Life Strategy
Replies: 30
Views: 2233

Re: Limting Human Bias - 3 Fund VS Vanguard Target Life Strategy

A good argument could be made for an investor to be in Vanguard's LifeStrategy Moderate Growth fund for their entire life. Literally. OTOH, the 60/40 AA of that fund might not be right for some and their risk tolerance. One could always find a target date fund with an AA to match their risk toleran...
by lostdog
Tue Oct 30, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: Limting Human Bias - 3 Fund VS Vanguard Target Life Strategy
Replies: 30
Views: 2233

Re: Limting Human Bias - 3 Fund VS Vanguard Target Life Strategy

Target Retirement and Life Strategy Funds are perfect for most people. Very simple and hands off. If you have a taxable you can put Total Stock or Total World in taxable and Life Strategy or Target Retirement in your IRA's. So simple. This would be my plan but I don't want any bonds at the moment. F...
by lostdog
Tue Oct 30, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Why I'm NOT 100% stocks
Replies: 36
Views: 5098

Re: Why I'm NOT 100% stocks

This is just market timing. Nice story though.
by lostdog
Tue Oct 30, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7778
Views: 1600866

Re: U.S. stocks in freefall

GoldenFinch wrote:
Mon Oct 29, 2018 8:54 pm
Bulls make money...

Bears make money...

Bogleheads stay the course and hang out on the U.S stocks in freefall thread (very comforting).
It's a win win either way for accumulators.
by lostdog
Tue Oct 30, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7778
Views: 1600866

Re: U.S. stocks in freefall

I just keep telling myself if I truly believe in this. That am going to have to prove it. So what I decided to do was open up a fidelity account to continue making my monthly investments their rather then Vanguard. Because looking at all the red and seeing years of saving wipe away is extremely dis...
by lostdog
Tue Oct 30, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: Anyone else feel giddy every time VXUS gets creamed? [Vanguard Total International]
Replies: 69
Views: 6173

Re: Anyone else feel giddy every time VXUS gets creamed? [Vanguard Total International]

It's only logical and rational to invest into world market cap weight. I don't get emotional. Thank you Spock.

Live long and prosper.
by lostdog
Mon Oct 29, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: Are you too wealthy for a LIQUID emergency fund?
Replies: 29
Views: 4855

Re: Are you too wealthy for a LIQUID emergency fund?

No emergency cash. About 100k in VT in taxable. Keep adding to it. It's very liquid.
by lostdog
Mon Oct 29, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 923
Views: 100109

Re: [What TV Show Have You Recently Watched?]

mrsbetsy wrote:
Sun Oct 28, 2018 10:42 pm
Tonights episode of Poldark was epic!

It's another indication that history does indeed repeat itself if we don't pay attention.

PBS Masterpiece Theater is worth it!
+1

My wife and I enjoy Poldark also. Supposedly next season will be the last. =(
by lostdog
Sun Oct 28, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 9277

Re: Larry Swedroe: Why International Diversification Works

"Everyone tells me I'm wrong," Mr. Bogle said. "In my book, 'Bogle on Investing,' I said, for a lot of reasons, you don't need to own international stock." His argument: International investing involves extra risk, ranging from currency risk and economic risk to societal instability risk. When "eve...
by lostdog
Sun Oct 28, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 923
Views: 100109

Re: [What TV Show Have You Recently Watched?]

The Haunting of Hill House on Netflix. Amazing show. It's not your typical gory horror flick. Great story with haunting scenes. My wife suggested we watch this. Occasionally we'll try a show together and one of us continues with the series while the other opts out. Hill House isn't something I woul...
by lostdog
Sun Oct 28, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 923
Views: 100109

Re: [What TV Show Have You Recently Watched?]

The Haunting of Hill House on Netflix. Amazing show. It's not your typical gory horror flick. Great story with haunting scenes.
by lostdog
Sat Oct 27, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 88
Views: 12245

Re: For those waiting for a 'correction' ...

Months ago I removed the Vanguard application from my Pixel 2 phone. We use automatic contributions to fund our Roth IRA's at Vanguard. Slowly I am working on not looking at our balances.

Stay the course, look at your balances only when needed and try to automate the process.
by lostdog
Fri Oct 26, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 87
Views: 7180

Re: What's everyone currently in?

IRA's, Roth IRA's and Taxable-->Vanguard Total World Stock
401(k)--> SP500 index and International index at world market cap weight
Cash-Vanguard Federal Money Market
by lostdog
Fri Oct 26, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: Compounding interest?
Replies: 51
Views: 5261

Re: Compounding interest?

At about 300k to 500k you'll notice the returns will exceed your contributions. Of course this depends on your savings rate. At about 500k I had to change my psychology when contributing to our portfolio. I am now buying shares of almost every employee's time in the work world. As a shareholder, my ...
by lostdog
Thu Oct 25, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 923
Views: 100109

Re: [What TV Show Have You Recently Watched?]

lostdog wrote:
Tue Oct 23, 2018 6:09 pm
Jack Ryan on Amazon Prime Video. So far it's pretty good.
Just got done watching the last episode. Great watch. If you're into Tom Clancy material I recommend this one.
by lostdog
Thu Oct 25, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 17063

Re: Why I'm 100% stocks

I went 100% stocks in 2009 (up from 80/20). Today I am 0% stocks. 78% short-term treasuries + cash 13% tips 9% gold Equities will become interesting when DOW drops to 16,000. I'll buy them then too. Are you a billionaire? I'm curious why not. You should be given how clear your crystal ball seems to...
by lostdog
Thu Oct 25, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16799

Re: Where would you go for financial guidance if you win the Megamillions?

I would put it in Vanguard Total World, some cash in the Vanguard treasury fund and take care of my close family and friends.

I would hire a CPA and consult a lawyer when needed. I am sure I would get extorted at least once from random low life.
by lostdog
Thu Oct 25, 2018 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Questions about saving for retirement - need basic advice
Replies: 15
Views: 1180

Re: Questions about saving for retirement - need basic advice

I like to keep things fairly simple, since I literally log onto my retirement account once a year to deposit funds. Market volatility doesn't really bother me much, since I have a long-term goal in mind. Here's what I'd do, with a goal of keeping things simple and keeping your asset allocation on t...
by lostdog
Thu Oct 25, 2018 8:04 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 105656

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

ReformedSpender wrote:
Thu Oct 25, 2018 7:53 am
Ex-US stocks now down ~20% from ATH closing at an 18 month low. Bear territory
In accumulation stage so the bear territory is good news. At world market cap weight. :sharebeer
by lostdog
Thu Oct 25, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7562

Re: Reaction to Market

Debt free, house paid off. Honestly not phased one bit. For accumulation stage it's a win-win up or down. Now if I was close to FULL retirement I better have bonds or cash available for a few years of a bear market but I am not at this stage yet.
by lostdog
Wed Oct 24, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 9277

Re: Larry Swedroe: Why International Diversification Works

So basically what we're saying here is VT is the way to go for the equity portion of a portfolio? That's what I've been slowly leaning toward. I picked up some VTWSX (the fund version of VT) a couple months ago and have been thinking about converting more of my VTSAX as well. I haveTotal World for ...
by lostdog
Wed Oct 24, 2018 8:10 am
Forum: Investing - Help with Personal Investments
Topic: 32M burned out from active investing
Replies: 28
Views: 3720

Re: 32M burned out from active investing

Long story short, burned out from watching the markets 8 hours a day in addition to work, selling and buying daily or weekly, and getting older without the results desired (quicksand instead of a mountain top) Taxable - Currently in a few individual stocks like AMZN/AAPL/NVDA, but a lot of cash bec...
by lostdog
Tue Oct 23, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 923
Views: 100109

Re: [What TV Show Have You Recently Watched?]

Jack Ryan on Amazon Prime Video. So far it's pretty good.
by lostdog
Tue Oct 23, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 4728

Re: When Will Attaining Millionaire Status Be Obsolete?

Nthomas wrote:
Tue Oct 23, 2018 5:39 pm
I'm looking forward to 1M primarily because at that point I should start seeing some significant compounding return on my stash. Not so much of an end point as a starting point for phase 2 of accumulation.
Agree. Even at 500k you see the massive compounding.
by lostdog
Tue Oct 23, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 4728

Re: When Will Attaining Millionaire Status Be Obsolete?

Do some of you realize that most Americans live paycheck to paycheck and barely have $1000 in savings? Only 50% invest at all. Reaching millionaire status is a huge milestone for most people. Not sure what planet you're on? So is reaching 0 net worth, or 100k for many people. Whats your point? The ...
by lostdog
Tue Oct 23, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 4728

Re: When Will Attaining Millionaire Status Be Obsolete?

Do some of you realize that most Americans live paycheck to paycheck and barely have $1000 in savings? Only 50% invest at all.

Reaching millionaire status is a huge milestone for most people. Not sure what planet you're on?
by lostdog
Tue Oct 23, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7778
Views: 1600866

Re: U.S. stocks in freefall

Stay the course. Keep buying more employees, I mean shares.
by lostdog
Tue Oct 23, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on outside of expenses and investments?
Replies: 23
Views: 1685

Re: What do you spend your money on outside of expenses and investments?

traveler901 wrote:
Tue Oct 23, 2018 3:43 am
Travel, restaurants, bars, activities (concerts, shows, kayaking, etc.)
+1
by lostdog
Tue Oct 23, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Empty nester downsizing - any advice?
Replies: 51
Views: 5431

Re: Empty nester downsizing - any advice?

With you on this. We're in the process of getting rid of the clutter and fixing some minor stuff. We'll most likely sell next spring season. Houses are over rated.
by lostdog
Mon Oct 22, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Playing with FIRE(Financial Independence) documentary trailer.
Replies: 35
Views: 5388

Re: Playing with FIRE(Financial Independence) documentary trailer.

I think Suzy Orman's rant gave this movement a lot of PR. Plus, there are some serious heavyweights in the documentary. Two best selling authors, Collins has already been mentioned, "Simple Path to Wealth", and another fairly unknown author around here, Vicky Robbins of "Your Money or Your Life", a...
by lostdog
Mon Oct 22, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8620

Re: Quitting w/o notice

Did the corporate thing for 20 years and reached independence. I met a lot of good people and made friends but at the same time I worked with bad people with awful personalities who didn't have your best interest. The worst thing is you're forced to be around these toxic bad people. If you love this...