Search found 1169 matches

by lostdog
Fri Oct 19, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 43
Views: 3737

Re: Corporate politics/culture

Get to financial independence ASAP. Your central nervous system will reward you for the reduced stress levels.
by lostdog
Fri Oct 19, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 118
Views: 10803

Re: How does one emotionally keep it together during market swings?

It's interesting that we're already 11 replies deep and nobody's yet mentioned the obvious: Read the Bogleheads forum! On the other hand, if it wasn't for this forum, I'd have no idea about any swings in the market. But there are constantly threads on this forum talking about what the market is doi...
by lostdog
Thu Oct 18, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 10405

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

Just to throw some fuel to this fire, I wanted to mention that no one should expect a group of countries (which is what the international index is) to outperform a single country on a regular basis. This is analogous to not expecting Total US stock market to do better than all the stocks in the ind...
by lostdog
Wed Oct 17, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 10405

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

Man, this topic has been getting rather tired lately. We're seeing like 1-2 threads per week essentially saying the same thing. The funny part is they always seem to be started by the 100% US crowd. Just look at how the most recent thread titles are worded: "Why Jack Bogle Doesn't Own Non-U.S. Stoc...
by lostdog
Wed Oct 17, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 10405

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

The "they're riskier" argument works for Russian stock valuations and other emerging markets. I don't see that argument working for the UK, France, Germany or any other developed nation. Bogle always talks about how US multinationals already give you US exposure. Well, don't you get US exposure fro...
by lostdog
Wed Oct 17, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Google's Titan Key for 2fa
Replies: 22
Views: 1752

Re: Google's Titan Key for 2fa

Google has an authenticator app also. It also works with Amazon.

I had to scan the code Amazon provided using my phone and the Google auth app.
by lostdog
Wed Oct 17, 2018 7:58 am
Forum: Investing - Theory, News & General
Topic: What tools do you use to track your finances?
Replies: 50
Views: 3733

Re: What tools do you use to track your finances?

Toons wrote:
Mon Oct 08, 2018 8:37 pm
Quicken
:happy
Quicken also. I love the cash flow reports and upcoming bills because I know how much I can plow into our portfolio with the next paycheck. We use lowest cost Quicken to help us track our checking account flows.

We use Vanguard's web interface to help us track investments.
by lostdog
Wed Oct 17, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 10405

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

Buy the world and move on with more important things in your life. It should also be noted that the whole international debate is only something a small part of the world's investors even bother with really discussing. Any investor outside of the U.S. (and of course the majority of people are outsi...
by lostdog
Wed Oct 17, 2018 7:33 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 10405

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

OK, so if we're using readily-purchasable total market Vanguard index funds from the earliest comparable inception date: 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...
by lostdog
Wed Oct 17, 2018 7:29 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 10405

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

I would go as far as saying the 100% U.S. only crowd are stock pickers making bets on a sector. Based on the boglehead philosophy, they're not truly bogleheads. In the future Vanguard will change their 60/40 recommendation to world market cap at some point in the next decade. This is a guess of cour...
by lostdog
Tue Oct 16, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3759
Views: 1068140

Re: What Movie Have You Recently Watched?

Hold The Dark on Netflix.

It's dark. It was good up until the ending.
by lostdog
Tue Oct 16, 2018 10:01 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 10405

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

venkman wrote:
Tue Oct 16, 2018 9:50 pm
"Nobody knows nothin'. Except when it comes to whether or not you should own international stocks."
"Buy the haystack!" except for international...
by lostdog
Tue Oct 16, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 10405

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

I wonder how many have changed their position as a direct result of this endless U.S./international equities issue. :?: I suspect that I know the answer. +1 Even worse there could be a few that flip back and forth everytime a new thread like this appears. U.S. only investing is not rational at all....
by lostdog
Tue Oct 16, 2018 9:55 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 10405

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

All I can say about this argument is the majority of folks who support U.S. centric only investments are: 1. U.S. raised and 2. Old (80+). Sorry but this thought process is nearly (if ever) recommended by anyone outside of those 2 characteristics. It just proves that no matter how intelligent and i...
by lostdog
Tue Oct 16, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: International Fund Down - What to do?
Replies: 36
Views: 2268

Re: International Fund Down - What to do?

You would be selling your US fund to buy the International fund. Let's say your IPS calls for a 60/40 US/International split and right now you're sitting at 65/35, you'd sell enough of your US fund and use the proceeds to buy more of the International fund to get back to 60/40. I think I want to st...
by lostdog
Tue Oct 16, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 43
Views: 3737

Re: Corporate politics/culture

Financial independence is the best revenge. Use these places to build your wealth with a high savings rate and get out asap. Your health and family will thank you.
by lostdog
Tue Oct 16, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Boglehead's Car Talk
Replies: 35
Views: 3278

Re: Boglehead's Car Talk

The ultimate boglehead car----> The Toyota Corolla.
by lostdog
Mon Oct 15, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging VT total world stock for VTI & VXUS
Replies: 14
Views: 792

Re: Exchanging VT total world stock for VTI & VXUS

I think you're making a mistake. When you hold VT you never have to worry if you have the correct USA/non-USA/EM ratio. You always do. Big advantage. You're asking if you should trade a big advantage for the possibility of some small advantages. I don't think so. +1 I'l go even further in saying I ...
by lostdog
Sat Oct 13, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: Who worries about a bear market in stocks?
Replies: 71
Views: 5657

Re: Who worries about a bear market in stocks?

Don't feed the troll. +2 Only 49% of Americans invest. Most live paycheck to paycheck. I don't think many Americans think about it much if not at all. Most are just concerned about paying the next set of bills and saving up for Black Friday. If they do notice a crash it's either posted on their soc...
by lostdog
Fri Oct 12, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6464

Re: Market decline in 2019 ?

But after 10 years of market rallys - AND market declines! August 2011 never gets any respect. I’m usually a stickler for rules, but c’mon! That was a bear. In any case, there have certainly been solid corrections along the way. The current bull market has only been going since early 2016. It certa...
by lostdog
Fri Oct 12, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1551700

Re: U.S. stocks in freefall

Roughly skimming the last few pages of the 146 pages of this thread leads me to the assumption that Bogleheads are strong believers in market timing. They also believe that past performance is a reliable predictor of future returns, both in the short term and in the long term. No judgment here....w...
by lostdog
Thu Oct 11, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Which market should I go for, to profit most from the correction?
Replies: 35
Views: 3033

Re: Which market should I go for, to profit most from the correction?

Why are you pacing?

Just chill and don't react to the daily flucuations. It's a waste of time.

Time in the market is better than timing the market.

After reading this entire thread, is this a troll post?
by lostdog
Thu Oct 11, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: Feeling Guilt among family/peers
Replies: 42
Views: 5157

Re: Feeling Guilt among family/peers

No one brings up money at my in law family gatherings. Focus on relationship conversations. Never bring up money situations unless someone asks for the specifics and you feel comfortable. Most likely it will never be brought up unless it's a private conversation.
by lostdog
Thu Oct 11, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1551700

Re: U.S. stocks in freefall

We contribute every Friday. I made the decision a few weeks ago to uninstall Vanguard application on my phone. I setup auto investments for our Roth and taxable accounts at Vanguard. Any extra money we save are for vacations and other stuff. The point of doing above is to concentrate more on the bud...
by lostdog
Thu Oct 11, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 70
Views: 5867

Re: Black Friday is coming.. what's on your list?

We usually buy nothing but we enjoy walking around.
by lostdog
Wed Oct 10, 2018 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 108
Views: 7498

Re: What did you buy today

I bought a small hand saw to cut down some low branches
by lostdog
Wed Oct 10, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1551700

Re: Stocks tumbling?

It doesn't matter. Just stick to your plan.
by lostdog
Wed Oct 10, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: The benefits of international diversification - NOT: Hulbert
Replies: 80
Views: 5212

Re: The benefits of international diversification - NOT: Hulbert

You could be right about this. It would be interesting to find out the average age groups of the international vs no international crowd. Over time, this type of irrational thinking could be on it's way out. Young investors should not be persuaded to this irrationality. Younger investors definitive...
by lostdog
Wed Oct 10, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: The benefits of international diversification - NOT: Hulbert
Replies: 80
Views: 5212

Re: The benefits of international diversification - NOT: Hulbert

I can't wait for the next 3-5 year period where EM or international crushes the US stocks. Those threads will be entertaining:) It is easy when an asset is soaring to say that it is all you need. Getting that article published when the sector is underperforming is a lot harder:) +1 Recency bias is ...
by lostdog
Wed Oct 10, 2018 8:16 am
Forum: Investing - Theory, News & General
Topic: The benefits of international diversification - NOT: Hulbert
Replies: 80
Views: 5212

Re: The benefits of international diversification - NOT: Hulbert

I view international as part of the total (public) market like how a company is part of a sector or industry that is part of the total market. Why aren't we talking about the worst performing industries over the last couple of decades and completely divesting from them? +1 Bingo!! Completely irrati...
by lostdog
Tue Oct 09, 2018 9:55 pm
Forum: Investing - Theory, News & General
Topic: The benefits of international diversification - NOT: Hulbert
Replies: 80
Views: 5212

Re: The benefits of international diversification - NOT: Hulbert

I can't wait for the next 3-5 year period where EM or international crushes the US stocks. Those threads will be entertaining:) It is easy when an asset is soaring to say that it is all you need. Getting that article published when the sector is underperforming is a lot harder:) +1 Recency bias is ...
by lostdog
Tue Oct 09, 2018 9:48 pm
Forum: Investing - Theory, News & General
Topic: The benefits of international diversification - NOT: Hulbert
Replies: 80
Views: 5212

Re: The benefits of international diversification - NOT: Hulbert

I can't wait for the next 3-5 year period where EM or international crushes the US stocks. Those threads will be entertaining:) It is easy when an asset is soaring to say that it is all you need. Getting that article published when the sector is underperforming is a lot harder:) +1 Recency bias is ...
by lostdog
Tue Oct 09, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1551700

Re: U.S. stocks in freefall

There seems to be an even greater uptick in "Do you think something bad is about to happen?" posts lately. I'm hearing the "R" word thrown around hither and yon, on various financial newscasts. With unemployment at record lows and trending downward? Historically speaking, extremely unlikely. But a ...
by lostdog
Mon Oct 08, 2018 12:30 pm
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6464

Re: Market decline in 2019 ?

A lot of these posts are popping up lately.
by lostdog
Fri Oct 05, 2018 9:36 pm
Forum: Investing - Theory, News & General
Topic: Why not a 2 fund portfolio like Bogle suggests
Replies: 79
Views: 13623

Re: Why not a 2 fund portfolio like Bogle suggests

VT and BNDW is even better. Way more diversification and so so simple.

VT= Vanguard Total World Equity Index
BNDW=Vanguard Total World Bond Index

Someone should write a book about this.
by lostdog
Fri Oct 05, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is the BOMB!
Replies: 32
Views: 5197

Re: Mr. Money Mustache is the BOMB!

So much resentment bleeding from this thread. Wow!

Golden handcuffs syndrome?
by lostdog
Fri Oct 05, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Timing the Market
Replies: 16
Views: 1817

Re: Timing the Market

Time in the market is better than timing the market.
by lostdog
Thu Oct 04, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Meditation & Subconscious Mind
Replies: 10
Views: 1060

Re: Thoughts on Meditation & Subconscious Mind

The Power of Now by Eckhart Tolle.
by lostdog
Thu Oct 04, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1551700

Re: U.S. stocks in freefall

Scheduled buy tomorrow on my Vanguard Total World Index fund...yay! I love how international is so cheap lately.
by lostdog
Thu Oct 04, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13348

Re: Correlation between the FIRE movement and one of the greatest bull markets

You also need to keep in mind most FIRE blogger and non bloggers are semi-retired and have other sources of income. The main message of FIRE movement is having the time and opportunity to do something you're passionate about rather than wearing the "golden handcuffs". They have more flexibility in t...
by lostdog
Thu Oct 04, 2018 7:40 am
Forum: Investing - Theory, News & General
Topic: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.
Replies: 52
Views: 6565

Re: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.

Invest using Vanguard Total World ETF (VT) and you won't have to micromanage your US/INT mood swings. Current US market allocation is 54.9%. I wish it were that simple, but holding VTI + VXUS gives me a more diverse portfolio with more stocks. That's true but it's negligible and doesn't make much o...
by lostdog
Wed Oct 03, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Why does Vanguard reccomend 60:40 US:International ratio?
Replies: 52
Views: 7657

Re: Why does Vanguard reccomend 60:40 US:International ratio?

assyadh wrote:
Sun Sep 30, 2018 11:12 pm
The ratio should be 54.9/45.1, following VT's portfolio allocation.

Anything else is a bet
+1. You nailed it.
by lostdog
Wed Oct 03, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.
Replies: 52
Views: 6565

Re: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.

Invest using Vanguard Total World ETF (VT) and you won't have to micromanage your US/INT mood swings. Current US market allocation is 54.9%. +1 For me these U.S. vs International threads are pure entertainment now. Kick back with some popcorn. Waiting for the Jack and Warren "said so" comments to s...
by lostdog
Wed Oct 03, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.
Replies: 52
Views: 6565

Re: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.

Invest using Vanguard Total World ETF (VT) and you won't have to micromanage your US/INT mood swings. Current US market allocation is 54.9%. +1 For me these U.S. vs International threads are pure entertainment now. Kick back with some popcorn. Waiting for the Jack and Warren "said so" comments to s...
by lostdog
Wed Oct 03, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: Key differences between investing philosophies: Swedroe vs. Bogle
Replies: 144
Views: 7622

Re: Key differences between investing philosophies: Swedroe vs. Bogle

The fundamental difference appears to be that Jack stopped his financial theory education in the 70s... And has outperformed 90% of all complex strategies since. Complexity begets cost; Cost begets increased risk of underperformance; Underperformance begets changes and more complexity. The next 40 ...
by lostdog
Tue Oct 02, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5373

Re: Root of Good's cost of raising a child: $3,300 per year

For those who are suggesting that these kids are not being well cared for, I'd suggest that you dig into the blog posts a bit more. They cook amazing food at home all the time, they travel to incredible destinations on a regular basis, and their kids always look happy. Despite the fact that they sp...
by lostdog
Tue Oct 02, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: Is an emergency fund just about market timing?
Replies: 103
Views: 5542

Re: Is an emergency fund just about market timing?

I would say this would be ok if you have a large taxable account. For example 100K+ in equities say if you only spend 25k a year.
by lostdog
Tue Oct 02, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Playing with FIRE(Financial Independence) documentary trailer.
Replies: 15
Views: 2482

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

The consumerism movement is way too powerful of a force for the FIRE and Minimalism movements to even make a dent.
by lostdog
Mon Oct 01, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 9092

Re: Suze Orman - "I hate the FIRE movement."

She'll say anything to stay in business. Just more click bait comments that aren't true.