Search found 1109 matches

by lostdog
Fri Sep 21, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 50
Views: 4036

Re: Hubby soon to be laid off

Pay off mortgage or downsize home to reduce your expenses. He can retire or semi-retire. Maybe semi-retire at first and see where you're at with a budget.
by lostdog
Thu Sep 20, 2018 5:38 pm
Forum: Investing - Theory, News & General
Topic: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle
Replies: 57
Views: 5437

Re: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle

Rick Ferri wrote:
Thu Sep 20, 2018 5:35 pm
Spotify requires 5 podcasts on the feed before they will place it.
You need to publish at least 5 episodes to be submitted to Spotify.
Rick Ferri
Thanks for checking Rick. I'll use Google play on my phone for now.
by lostdog
Thu Sep 20, 2018 5:27 pm
Forum: Investing - Theory, News & General
Topic: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle
Replies: 57
Views: 5437

Re: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle

Will this be available on Spotify also? I listen to Clark Howard and many others on the Spotify app.
by lostdog
Thu Sep 20, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 95
Views: 6694

Re: Did you really have something to retire to?

Physical fitness and learning.
by lostdog
Thu Sep 20, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 203
Views: 12521

Re: What is your single most expensive mistake?

I bought new cars in my 20's and into my early 30's. We would be in the two comma club by now if I hadn't done that.
by lostdog
Wed Sep 19, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: Convince a friend to go Boglehead
Replies: 17
Views: 963

Re: Convince a friend to go Boglehead

Let him learn the hard way like most of us did.
by lostdog
Tue Sep 18, 2018 7:42 am
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3243

Re: Equity in house / Do you use it?

After I received a threatening letter from an attorney regarding a dog bite that allegedly occurred on my property, I immediately took out a HELOC. When attorney's are working on a contingency basis, you want to make sure there are as many liens on a property as possible so it looks like you're lev...
by lostdog
Mon Sep 17, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 148
Views: 27697

Re: Where to buy a Vanguard hat? An Update and good news

Thinking of getting my annuitty salesman brother in law a Vanguard mug for the holidays. When he receives it I'll mention to him to bring it to work. I know some folks that talk about starting to make a really nice income in the last few years and who are annuity salesmen. Is your brother in law ma...
by lostdog
Mon Sep 17, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 148
Views: 27697

Re: Where to buy a Vanguard hat? An Update and good news

Thinking of getting my annuitty salesman brother in law a Vanguard mug for the holidays. When he receives it I'll mention to him to bring it to work.
by lostdog
Sun Sep 16, 2018 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest money that you may need in 6 months to a year.
Replies: 17
Views: 1781

Re: How to invest money that you may need in 6 months to a year.

What is the difference between these two, in addition to the rates? My understanding is that you can sell and buy at any time with the Vanguard Federal Money Market fund, but you will be restricted to the normal 30 holding period for the Vanguard Prime Money Market fund. It that true? Not true. You...
by lostdog
Sun Sep 16, 2018 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 52
Views: 7176

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

Quicken 2018. I use the basic version for checking and budgeting. I use the Vanguard app and the web interface for tracking investment accounts.
by lostdog
Sat Sep 15, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest money that you may need in 6 months to a year.
Replies: 17
Views: 1781

Re: How to invest money that you may need in 6 months to a year.

Vanguard Federal Money Market or Vanguard Prime Money Market.
by lostdog
Fri Sep 14, 2018 9:05 am
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 16484

Re: Why Bull Markets Are Dangerous

for 2018, 20% of my portfolio is an actual real life bear market (ROOOAR), a larger portion of it is break even. my US Total Market portion is up like double digits. and i have a tiny option position that is up like 1000%. how exactly am i supposed to feel? i see people say stuff like, "wait til pe...
by lostdog
Fri Sep 14, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 16484

Re: Why Bull Markets Are Dangerous

for 2018, 20% of my portfolio is an actual real life bear market (ROOOAR), a larger portion of it is break even. my US Total Market portion is up like double digits. and i have a tiny option position that is up like 1000%. how exactly am i supposed to feel? i see people say stuff like, "wait til pe...
by lostdog
Fri Sep 14, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 16484

Re: Why Bull Markets Are Dangerous

Rick, Perhaps time for a Lifestrategy fund. +1 Or Target Date. Always a solid choice when your friend/relative starts asking for financial advice. Nor for me. I recommended an "age-appropriate" Target Date fund for a friend in 2004, and it performed terribly in 2008, just as he was about to retire....
by lostdog
Thu Sep 13, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: How to stay the course when you “think” you can outsmart the market
Replies: 36
Views: 2162

Re: How to stay the course when you “think” you can outsmart the market

Despite what you say, you don't actually think investing is the best way. Print out all your losing trades and tape it next to your computer. Change your brokerage password to "lost 5% on Generac" Give your wife control over your money and tell you can't be trusted with it anymore. Start a Traders ...
by lostdog
Thu Sep 13, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3337

Re: Buying a house 1 mile away from a municipal landfill

Back out of the deal. If this bothers you now, this will continue to bother you. Peace of mind trumps everything else.
by lostdog
Tue Sep 11, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 71
Views: 5351

Re: Amazon Prime - Value?

stl717 wrote:
Mon Sep 10, 2018 8:55 am
I cancelled Prime a year or two ago. We really haven't missed it much.
+1

Same.
by lostdog
Sun Sep 09, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2204

Re: Video Game Collection

Sell them.

If you want to return to classic gaming, emulation is the way to go. I've been having fun with the arcade emulator called MAME. Check it out sometime.
by lostdog
Sun Sep 09, 2018 6:51 am
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 16484

Re: Why Bull Markets Are Dangerous

Noise. No one knows nothing. Stick to your plan and stay the course. Bye.
by lostdog
Sat Sep 08, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 3003

Re: Is it sensible to buy a car from Elon Musk?

I just listened to Elon Musk’s podcast interview with Joe Rogan which generated the pot smoking controversy. The interview is over two hours long and if anything it made me more likely to buy a car from Elon Musk. What an impressive and interesting guy. I watched it also. He is a normal guy and I e...
by lostdog
Thu Sep 06, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 824
Views: 89434

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

MNGopher wrote:
Fri Aug 31, 2018 2:12 pm
Ozark Season 2 came out today on Netflix. Make sure you watch season 1 first though. It's a bit like Breaking Bad and the Fargo series.

+1

Brilliant show.
by lostdog
Tue Sep 04, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18073

Re: How to Retire in Your 30's with $1 Million in the Bank

I think detractors suffer from a lack of imagination. They just can't comprehend how someone didn't buy into the white picket fence fairy tale that gets sold in this country. I agree that lack of imagination is part of the problem. But there is something else that I have never been able to fully un...
by lostdog
Tue Sep 04, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18073

Re: How to Retire in Your 30's with $1 Million in the Bank

Obviously the crazy high income/savers here -- where 2% SWR is too aggressive -- are aghast at bailing from your career with "just" $1M at ~30. But consider that regular Americans deal with this kind of penny pinching their entire lives with no $1M portfolio safety net. We just should be careful ab...
by lostdog
Mon Sep 03, 2018 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for an 87-year-old?
Replies: 36
Views: 2121

Re: Advice for an 87-year-old?

Vanguard Federal or Prime Money Market. Why would someone who meets the minimum for the Treasury MMF want to invest in the Federal MMF? The Federal MMF is a very good MMF but you can get the same for slightly higher yield with the Treasury MMF without taking the nonetheless cery low risk of the Fed...
by lostdog
Mon Sep 03, 2018 7:25 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1046
Views: 80638

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

From the BH wiki: https://www.bogleheads.org/w/images/1/11/US-International.png Perhaps that should be updated? Either way, there wasn’t a marked difference in risk/return for holding anywhere from 20 to 50% international. It’s reasonable to assume that holding anywhere in that range for the future...
by lostdog
Mon Sep 03, 2018 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for an 87-year-old?
Replies: 36
Views: 2121

Re: Advice for an 87-year-old?

Vanguard Federal or Prime Money Market.
by lostdog
Sun Sep 02, 2018 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18073

Re: How to Retire in Your 30's with $1 Million in the Bank

Actionable point: Don't just quit. Save like crazy, negotiate a part time position doing the work you like, the amount that you like doing it, and spend more time with the kids/family. That is more likely to be a successful strategy and still give you the benefits of FIRE imho. That is what I did f...
by lostdog
Sun Sep 02, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: IRA question for FIRE graduates that work part-time
Replies: 4
Views: 325

Re: IRA question for FIRE graduates that work part-time

We contribute but compounding does most of the work. We just help it a little bit along the way with contributions.
by lostdog
Fri Aug 31, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7589

Re: I want to pry my friend away from Edward Jones

Only recommend if they ask you. Just tell them how you do it and it worked well for you. If they push harder for more info, give them the "if you can" PDF. If you push them to the brink and they change, anything that happens moving forward they will blame you. They need to learn the hard way like mo...
by lostdog
Fri Aug 31, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring. 28 y.o. $5M in cash. Asking for advice for portfolio.
Replies: 80
Views: 13505

Re: Retiring. 28 y.o. $5M in cash. Asking for advice for portfolio.

To me, the biggest risk is life happening. There is no way I would stop working with only $5M at that age. Way too large a risk of life dwindling that money down and in 10-15 years you need to go back to work, yet you have been unemployed for all that time which won't make your prospects great. May...
by lostdog
Fri Aug 31, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1046
Views: 80638

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

Total World Index with a bond fund and be done with it. Look at it once a year. Looking g at daily flicuations and these threads will drive you crazy.
by lostdog
Wed Aug 29, 2018 9:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 257
Views: 24341

Re: U.S. stocks continue to soar!

Um, do you even have a computer that runs COBOL?? :shock: (I guess I’m old, I actually know what COBOL is. :| ) I took a semester of COBOL in college. 1997. http://dilbert.com/strip/1994-06-10 I tested out of Fortran in college. I took Fortran, Pascal, and 8086 Machine language. ;) Are we now stuck...
by lostdog
Wed Aug 29, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9633

Re: How do you save money on groceries?

camillus wrote:
Wed Aug 29, 2018 9:29 am
One word: ALDI
+1

Walmart and Aldi are a good combo.
by lostdog
Wed Aug 29, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Retiring. 28 y.o. $5M in cash. Asking for advice for portfolio.
Replies: 80
Views: 13505

Re: Retiring. 28 y.o. $5M in cash. Asking for advice for portfolio.

Make it simple.

50% Vanguard Total World ETF equivalent for your country of residence.
50% Fixed Income to whatever your choosing.

You've won the game. Congratulations! I am happy for you.

:sharebeer
by lostdog
Wed Aug 29, 2018 7:23 am
Forum: Investing - Theory, News & General
Topic: Done saving for retirement according to firecalc?
Replies: 51
Views: 4811

Re: Done saving for retirement according to firecalc?

Assuming I don’t save another penny, my portfolio today will allow me to spend 125k starting at 59 (which is roughly 15 yrs away and would allow access to retirement funds) according to firecalc. Success is nearly 100% when I include ss and small pension. Portfolio would be 60% stocks and 40% bonds...
by lostdog
Tue Aug 28, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to retire early. Is my math right?
Replies: 29
Views: 3668

Re: Wanting to retire early. Is my math right?

OR just semi retire to supplement your income r from the portfolio. Find a part time job that you're passionate about.
by lostdog
Tue Aug 28, 2018 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to retire early. Is my math right?
Replies: 29
Views: 3668

Re: Wanting to retire early. Is my math right?

Fall in love, get married, mooch off wife's medical; my plan... +1 I'll add save my paychecks and maxed my 401k. Got sick. Realized during suffering and recovery I could FIRE and mooch off my wife's medical benefits. She cans semi retired and keep the medical. I'll still mooch. I fully recovered an...
by lostdog
Tue Aug 28, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 257
Views: 24341

Re: U.S. stocks continue to soar!

Anyone have the scripting chops to pull dates of posts from these two threads and update a speadsheet? I don't think I can do it in COBOL 74 or 85. Um, do you even have a computer that runs COBOL?? :shock: (I guess I’m old, I actually know what COBOL is. :| ) I took a semester of COBOL in college. ...
by lostdog
Mon Aug 27, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10327

Re: I own 1,387 items!

Check out the Minimalism documentary on Netflix.
by lostdog
Mon Aug 27, 2018 8:09 am
Forum: Investing - Theory, News & General
Topic: New Jack Bogle Book!
Replies: 40
Views: 5466

Re: New Jack Bogle Book!

nova1968 wrote:
Mon Aug 27, 2018 6:52 am
The title" Stay the course" speaks for itself, yet all I see in on this Forum are numerous recent posts about getting rid of International or replacing TBM with CDs or MM funds because of a temporary downturn.
Stay the course-except international

Buy the haystack-except international
by lostdog
Mon Aug 27, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 21909

Re: Did you celebrate when you finally hit $1m?

I got SO close after January 2018 (growth and 2018 contributions kicked it up in January) - if not for rounding down to 999 I would have "made" it! But then February, March, and April happened... November-2017-$911 December-2017-$929 January-2018-$946 February-2018-$999 March-2018-$980 April-2108-$...
by lostdog
Fri Aug 24, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 21909

Re: Did you celebrate when you finally hit $1m?

Still so surprised to see the bulk (90%?) of replies saying it's not significant, nor did they feel the need to celebrate in any way, or that they barely noticed. I understand that for us, those who are disciplined enough (and in the normal-ish income range) that our lifestyle doesn't change after ...
by lostdog
Fri Aug 24, 2018 7:34 am
Forum: Investing - Help with Personal Investments
Topic: "Simple" question about compounding
Replies: 28
Views: 2989

Re: "Simple" question about compounding

Compounding =Shares Reinvested=Shares Reinvested on the Shares Reinvested ,on and on and on. Math is Math. 1 fund or 20 funds... shares and more shares . :happy Psychologically I look at buying shares as hiring more workers that will work hard to make you money. In essence this is really what is ha...
by lostdog
Fri Aug 24, 2018 7:29 am
Forum: Investing - Theory, News & General
Topic: Home Country Bias
Replies: 31
Views: 2643

Re: Home Country Bias

It will be a matter of time and you'll see a cherry picked past performance chart. Below you'll see the phrases "0% international works for me". Followed by "past performance is no guarantee of future results." Then you'll see another post or two explaining they don't invest in international because...