Search found 971 matches

by lostdog
Sun Jul 15, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 27
Views: 2100

Re: All-In VTSAX

If you only want simplicity just go with VTWSX or VT(Vanguard Total World). It sounds like you have recency bias and a crystal ball so all good with VTSAX.
by lostdog
Sun Jul 15, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Choosing a Used Car Model
Replies: 12
Views: 1028

Re: Choosing a Used Car Model

Toyota Highlander.

Toyota's are very high quality vehicles that will last forever.
by lostdog
Sat Jul 14, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 94
Views: 6426

Re: Early retirement

Spouse is trying to spend more so I may work more and compete with others and own more than others in her circle(and she can post more pictures on social media) - apparently that is success to her. I feel for you. This is a systemic problem that grew with social media. Good luck overcoming that one...
by lostdog
Fri Jul 13, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9882

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads Podcast.

Possibly other subjects that don't pertain to investing will most likely be discussed. I didn't include investing in the title and kept it simple.
by lostdog
Tue Jul 10, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 3771

Re: Best way to clean eyeglasses?

Toons wrote:
Fri Jun 29, 2018 2:46 pm
I stop by Walmart and pick up their eyeglass cleaner at the optical dept.
:happy
Fyi. When done with your bottle, you can take it in and get a free refill. This is what my wife does. Buy it once, keep the bottle and they will refill for free. She has kept the bottle for 15 years...
by lostdog
Tue Jul 10, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 414
Views: 96093

Re: Pull-ups and Push-ups

Found this thread via the Powerlifting thread. Any other Bogleheads still doing bodyweight fitness? I have been doing Reddit's /r/bodyweightfitness Recommended Routine for close to a year now. My progress: All planks/holds i can hold for 60 seconds I added the "Alphabet" to my bodyline section for ...
by lostdog
Mon Jul 09, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Any kayakers here?
Replies: 59
Views: 3105

Re: Any kayakers here?

bondsr4me wrote:
Mon Jul 09, 2018 9:15 am
My wife and I have been kayaking for about 3 years now.
We really enjoy it.
We go to state park lakes.
I prefer calm water, although we may try a few streams, but NO white water stuff for sure.

Don
+1

Same with my wife and I.
by lostdog
Mon Jul 09, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: 2007 Toyota Corolla
Replies: 39
Views: 2229

Re: 2007 Toyota Corolla

Do you think the same quality goes into the new corolla models these days?
by lostdog
Sun Jul 08, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: Why 3-funds and not 4-funds or even 2-funds?
Replies: 56
Views: 4328

Re: Why 3-funds and not 4-funds or even 2-funds?

Total World Stock Index
Total World Bond Index

Is perfectly fine...
by lostdog
Sat Jul 07, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14446

Re: How to "retire" in your 30's article

I will say this. I am all for FI but I gurantee you if it wasn't for the 10 year bull run we would have a lot less FI bloggers.

I will be interested to see how many of the blogs disappear when the next recession or major market drop hits.
by lostdog
Sat Jul 07, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14446

Re: How to "retire" in your 30's article

The cynical commentators just don't go away, do they. Always with finding fault with something. Part of the problem, I think, is the conflation of the terms "retirement" and "financial independence." Many of those in the FIRE community are certainly financial independent, but they choose to keep wo...
by lostdog
Fri Jul 06, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: Anyone tilting heavy to international based on current forecasts?
Replies: 38
Views: 3920

Re: Anyone tilting heavy to international based on current forecasts?

Market cap using VTWSX(Vanguard Total World Index). Staying the course forever on this fund. I don't see international as a separate asset class.
by lostdog
Fri Jul 06, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14446

Re: How to "retire" in your 30's article

Congratulations on your accomplishments marc1976.

Ignore the resentful comments. I am surprised to see them especially from bogleheads.

Cherish every moment with your family and friends. Life is short and have fun! :sharebeer

Congrats!!!
by lostdog
Thu Jul 05, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 17901

Re: Morningstar: prepare for a lost decade for U.S. stocks

Glad to be world market cap so I am in the "who cares" crowd but in the end this is just noise.
by lostdog
Thu Jul 05, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: UK Personal Investor reading "The Simple Path to Wealth"
Replies: 10
Views: 670

Re: UK Personal Investor reading "The Simple Path to Wealth"

In my opinion, Vanguard Total World Index funds d would suit you since you're an international investor.

Check out the video in my signature. The speaker is from the U.K.
by lostdog
Tue Jul 03, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 62
Views: 4832

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

Go back to Madison. I am originally from Central Wisconsin (Wausau) but reside in Appleton Wisconsin. My wife is from Minneapolis but she likes the Wisconsin culture much more. Plus you have Milwaukee, Green Bay and Chicago close by. Minneapolis is on an island with not much around it. Go Pack!!!!!...
by lostdog
Tue Jul 03, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 62
Views: 4832

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

Go back to Madison. I am originally from Central Wisconsin (Wausau) but reside in Appleton Wisconsin. My wife is from Minneapolis but she likes the Wisconsin culture much more. Plus you have Milwaukee, Green Bay and Chicago close by. Minneapolis is on an island with not much around it. Go Pack!!!!!!...
by lostdog
Tue Jul 03, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9377

Re: What’s your plan for a market downturn?

1) Delete Vanguard app from my phone. Limit checking my investment accounts to once every 3 months. 2) Continue dumping in 100% stocks to take advantage of reduced prices. Make sure I am in "long-term focus" mindset. 3) Laugh maniacally as I do some extreme Excel spreadsheeting to figure out how I ...
by lostdog
Tue Jul 03, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9377

Re: What’s your plan for a market downturn?

Tamalak wrote:
Mon Jul 02, 2018 11:19 am
In good times: buy and hold

In bad times: cry and hold
Or in bad times cry, buy and hold. :sharebeer
by lostdog
Mon Jul 02, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 93
Views: 5666

Re: Any Boglehead powerlifters?

Planet fitness. I am not a power lifter but I am getting ripped with almost a 6 pack at 42. I do higher reps around 10 to 15 on bench press and other free weights. More of the definition typre rather than bulk.
by lostdog
Mon Jul 02, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need Your Feedback on 100% VTSAX
Replies: 37
Views: 2916

Re: Need Your Feedback on 100% VTSAX

Vanguard Total World fund. VT

Here is a good video on why you would want to make international part of your equity allocation.


https://m.youtube.com/watch?v=LwTHLtuToSY
by lostdog
Mon Jul 02, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Need Your Feedback on 100% VTSAX
Replies: 37
Views: 2916

Re: Need Your Feedback on 100% VTSAX

All U.S. Equity is a bad idea. Here is why:

https://www.youtube.com/watch?v=LwTHLtuToSY
by lostdog
Mon Jul 02, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: International equities versus USA domestic
Replies: 6
Views: 476

Re: International equities versus USA domestic

Great video for you to watch.

https://www.youtube.com/watch?v=LwTHLtuToSY

Investing Demystified - (Only buy cheap World Equity Index Trackers - Part 3 of 5 )
by lostdog
Mon Jul 02, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 7482

Re: What % of your equity is int’l?

Whatever the market cap weighting is. I view this question like "what % of of your equity have you directed into megacap tech stocks, big oil, utilities and mid-cap value stocks?" International equity is not a separate asset class and I'm not going to pretend like I'm some professional fund manager...
by lostdog
Mon Jul 02, 2018 8:59 am
Forum: Investing - Theory, News & General
Topic: International equities versus USA domestic
Replies: 6
Views: 476

Re: International equities versus USA domestic

Vanguard's recommendation in the link provided. I prefer world market cap.

https://investor.vanguard.com/investing ... -investing
by lostdog
Mon Jul 02, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Private Label Blackrock Index Funds?
Replies: 28
Views: 1822

Re: Private Label Blackrock Index Funds?

My 401K doesn't offer the Total Bond Index by Vanguard, so I use Blackrock U.S. Debt Index fund which is a Collective Investment Trust. It's the cheapest bond index we have, so I'm good with it. My wife has the same fund. I am pretty sure the fund has a 0 cost to it in her 401k. I'll have to double...
by lostdog
Sun Jul 01, 2018 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Question on "If You Can, How Millenials Can Get Rich Slowly"
Replies: 30
Views: 3667

Re: Question on "If You Can, How Millenials Can Get Rich Slowly"

Don't listen to your uncle, who is an insurance salesman selling whole life policies and annuities.
by lostdog
Sun Jul 01, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 10701

Re: Feel like I'm sinking money into international

Began investing in 2013 with an allocation of 25% in total international. As most of my investments are in retirement accounts, my IPS tells me to rebalance with new investments. For example, as of today, I have to put in another 10k to make it 25% despite just sticking all of my 2018 IRA contribut...
by lostdog
Sun Jul 01, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9377

Re: What’s your plan for a market downturn?

Not making any changes based on market conditions. Still contribute to 401k as scheduled. Still contribute to Roth IRA's as scheduled. Any extra goes into taxable.
by lostdog
Sat Jun 30, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Private Label Blackrock Index Funds?
Replies: 28
Views: 1822

Re: Private Label Blackrock Index Funds?

My wife has the same funds in her 401k. They're very cheap and perfectly fine to use.
by lostdog
Sat Jun 30, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 10701

Re: Feel like I'm sinking money into international

Unless you're the type to gage the merits of your investment allocation based on zigs and zags in past 6-week relative performance, I think one could note that international stop sucking relative to US stock in the current expansion about 2 years ago. But by all means sell if you doubt ex-US equity...
by lostdog
Fri Jun 29, 2018 2:17 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey against index funds?
Replies: 57
Views: 5645

Re: Dave Ramsey against index funds?

Wealthy people don't (and have never) listen to Dave Ramsey. They just don't. You cannot become wealthy following his advice. You cannot shrink your way to wealth. If you are earning $3500 per month and saving $0, giving up quality of life by putting cash into envelopes to save you $600 at the end ...
by lostdog
Fri Jun 29, 2018 8:14 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey against index funds?
Replies: 57
Views: 5645

Re: Dave Ramsey against index funds?

Listen to Clark Howard instead. I think you're a more informed American when it comes to debt and investing. You're maybe in the 5% of Americans who get it when it comes to personal finance. Dave Ramsey is for the rest of America who don't get personal finance. This sounds harsh but most Americans a...
by lostdog
Thu Jun 28, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6201

Re: Vanguard is really pushing their Personal Adviser Service

You folks live in a bubble. The Boglehead Bubble. The vast majority of people that I know have zero knowledge about investing. They have a "guy" that rips them off for 2-3% a year, frequently with front loads on top of that, so I don't begrudge Vanguard their .3%. They are a business, after all, no...
by lostdog
Thu Jun 28, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: Keep calm and Boglehead on!
Replies: 60
Views: 5645

Re: Keep calm and Boglehead on!

So much anxiety when a person listens to the media and the president. It's amazing how much impact a president can have on short-term markets. If you're only investing in the Total US Market it can be scary because you hear the noise. If you're diversified across the world though your diversificati...
by lostdog
Wed Jun 27, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10239

Re: Lost out on promotion

All great advice.

At the same time LBYM and have a high savings rate. When the corporate culture starts sucking the soul out of you you'll hopefully be financially independent.

FI is the only revenge on the corporate world and toxic coworkers.
by lostdog
Wed Jun 27, 2018 8:01 am
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7036

Re: Are we just way over complicating this?

One fund and done here. I'll add bonds later in life.

Mostly sport here but it also helps to reinforce staying the course. A team effort of sorts.
by lostdog
Wed Jun 27, 2018 7:52 am
Forum: Investing - Help with Personal Investments
Topic: Money Market Preference and Tax Question
Replies: 11
Views: 731

Re: Money Market Preference and Tax Question

I prefer the Settlement fund because that is where the money is. It gets moved to my bank or reinvested quickly so it never earns much interest. The earnings on these funds are considered regular dividends (not qualified) so they are taxed similar to interest and other ordinary income. +1 The inter...
by lostdog
Mon Jun 25, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1448813

Re: U.S. stocks in freefall

Whakamole wrote:
Mon Jun 25, 2018 12:25 pm
Why do people say the market is volatile when it goes down 1% in a day but not when it goes up 1% in a day? :confused
media noise
by lostdog
Mon Jun 25, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Complain or Negative Review for Rip-off Plumber?
Replies: 29
Views: 2979

Re: Complain or Negative Review for Rip-off Plumber?

Stay factual. Do not veer from the facts.
by lostdog
Sun Jun 24, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: So much angst
Replies: 52
Views: 5967

Re: So much angst

knpstr wrote:
Sun Jun 24, 2018 3:15 pm
billthecat wrote:
Sun Jun 24, 2018 11:23 am
...
Has anyone here just thrown up their hands in disgust and gone simple, simple, simple?
I'm 100% Total Stock Market. So that is pretty simple, simple, simple.
+1

Vanguard Total World here.
by lostdog
Sat Jun 23, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 55
Views: 6523

Re: Contractor - Threatening Lien/Lawsuit

Thank you - To be clear, the BBB is where I found a pretty damning complaint about the contractor (it’s not related to my personal experience). You are getting lots of bad advice to seek legal counsel. There is absolutely no need to contact a lawyer. This guy has ZERO intention of bringing legal ac...
by lostdog
Sat Jun 23, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Are Roth IRAs overrated?
Replies: 88
Views: 10562

Re: Are Roth IRAs overrated?

I read something yesterday (https://gocurrycracker.com/roth-sucks/) that I hadn't thought through yet. Namely that the conventional wisdom on whether to do traditional or roth doesn't often clarify the fact that you need to think about what your effective tax rate will be in retirement, not your ma...
by lostdog
Sat Jun 23, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 10701

Re: Feel like I'm sinking money into international

If you don't mind holding global market cap then maybe holding Total World Index might help you stay the course and psychologically not see the outperformance of separate funds.
by lostdog
Fri Jun 22, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 20604

Re: Can you retire on $2M?

you could semi-retire to bring in a little extra income and you'll be fine.
by lostdog
Fri Jun 22, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8375

Re: Which Supermarket are you?

Walmart and Aldi. Great combination for savings.

Walmart
Aldi
Credit Union
Vanguard
by lostdog
Fri Jun 22, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: [100% stock, uncomfortable with international]
Replies: 65
Views: 5566

Re: [100% stock, uncomfortable with international]

Once we started having a bad 6 months people are starting to post about jumping ship from international. When we have another good year like 2017 they'll be back. Time in the market is better than timing the market. Are you going to lose sleep if the US stock markets starts to lag International? If ...
by lostdog
Fri Jun 22, 2018 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International Fund
Replies: 16
Views: 1888

Re: Vanguard Total International Fund

Over these many years, I have heard that an investor should avoid Indexed International Equity Funds as the Total International Stock Fund at Vanguard. Unfortunately, I did not follow the advice. Managed International Equity Funds are preferred. And so, I should have chosen the International Growth...