Search found 885 matches

by lostdog
Thu May 17, 2018 8:22 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 166
Views: 12707

Re: I’m still not a fan of international bond funds

It seems to me that the pinnacle of the Boglehead philosophy would be a two-fund portfolio consisting of Total World Stock and Total World Bond, both market capped. It's the ultimate solution to 'nobody knows nuthin'' and I don't really see a rational alternative. How wrong am I? +1. Not wrong at a...
by lostdog
Wed May 16, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 367
Views: 16029

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

So my question is this, does this "rule" saying people will be in a lower tax bracket in retirement actually lead to misleading advise? For most people this is not misleading advice. Granted I'm still going with the Roth IRA and pretax 401k but I wonder if the traditional advise is correct for myse...
by lostdog
Wed May 16, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: How to decide VT vs VTI?
Replies: 6
Views: 748

Re: How to decide VT vs VTI?

If you want simple and set and forget it pick VT and go live your life.
by lostdog
Wed May 16, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE book recommendation request.
Replies: 17
Views: 1000

Re: FIRE book recommendation request.

The Simple Path to Wealth. https://www.amazon.com/dp/B01H97OQY2/ref=dp-kindle-redirect?_encoding=UTF8&btkr=1 Yep, this is the one I would recommend as well. The best one out there. He recommends just VTSAX, Vanguard Total Stock Market. I took it a step further and use VTWSX, Vanguard Total World. I...
by lostdog
Tue May 15, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 3896

Re: Three fund portfolio performance

Possible trolling. This doesn't make any sense at all based on the time frame stated.
by lostdog
Sun May 13, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: VTWSX Question [Vanguard Total World Stock Index]
Replies: 15
Views: 1415

Re: VTWSX Question

I did what you are proposing to do. You're going to get all types of replies but in the end it won't matter much. Don't punish yourself over the details and constantly look for approval from others on this fund. It's the most bogleheadish equity fund in existence. I value simplicity so I bought the ...
by lostdog
Sat May 12, 2018 9:05 am
Forum: Investing - Help with Personal Investments
Topic: How close do you cut your monthly surplus?
Replies: 22
Views: 3021

Re: How close do you cut your monthly surplus?

I carry a razor thin cash margin. My income and expenses vary a bit which adds some excitement. You have way, way, ridiculously more cash than I do. Max tax advantaged and have a plan for when unexpected expenses arise. Or I guess it doesn't really matter if they are unexpected or not. Have a plan ...
by lostdog
Fri May 11, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 19800

Re: Why International again?

rudeboy, Look, I don't even know what your chart is comparing. How is the global portfolio constructed? Is it equally-weighted by country/region, or equally-weighted by market caps? U.S. small caps returned much more than the S&P500 (have a look at the chart below), so adding small caps to the U.S....
by lostdog
Wed May 09, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 19800

Re: Why International again?

$30 trillion in wealth is going to transfer to millennials from baby-boomers checking out over the next 30 years. Younger investors don't have nearly the "US good foreign risky-bad" mindset that many baby-boomers have from growing up during the cold war and other formative year experiences. Regardl...
by lostdog
Tue May 08, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 68
Views: 6397

Re: What backup service to use?

Online, my photos are in Google Photos. My music is in Google Music. Everything else I use OneDrive. I got in the habit long ago of keeping all my data in one folder (with subfolders of course). This makes it very easy to backup. Since this doesn't include most media (music/photos), it doesn't take...
by lostdog
Mon May 07, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 61
Views: 4848

Re: Tires: Where to Get? Warranty? And Questions?

We bought all of our tires at Walmart. They have the best price and cheapest install. So far no issues at all. They also do free tire rotation for the life of the tires
by lostdog
Mon May 07, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Correcting an Error? Invested high dividend index fund in taxable account.
Replies: 25
Views: 1717

Re: Correcting an Error? Invested high dividend index fund in taxable account.

Vanguard Total World is a good one also if you're a world market cap weight person.
by lostdog
Sun May 06, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 6179

Re: Pay $2500 in rent or continue living at home

Stay home until a girl/guy friend comes into the picture. Build up that money and when you find someone then move out.
by lostdog
Sun May 06, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Jonathan Clements "Where Money Grows Up"
Replies: 9
Views: 2002

Re: Jonathan Clements "Where Money Grows Up"

I was grinning while reading the entire list. I can relate to this. Thank you!
by lostdog
Sat May 05, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: Portfolio peepers: what do you do?
Replies: 48
Views: 3860

Re: Portfolio peepers: what do you do?

Once a month. I record our networth on the 1st of every month.
by lostdog
Sat May 05, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 31128

Re: Those with high savings rate: why?

If I was Western or Northern European, I would probably not be saving nearly as much, since I would not have to deal with anxieties we have here the states. Healthcare, education, retirement, maternity and paid leave, job security, etc... Most of these are almost eliminated or at least significantl...
by lostdog
Sat May 05, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 31128

Re: Those with high savings rate: why?

My wife and I are FI. I'll keep this brief. We enjoy physical fitness, biking, fishing, kayaking, shows, reading, hanging out at the coffee shop for some quiet reading and people watching and a nice trip once in awhile. I am retired and spend my entire mornings doing mental and physical fitness. I r...
by lostdog
Fri May 04, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17628

Re: Ed. Jones rep didn't like our plan, now we're locked out

Wow! Now I know why the local EJ rep rides around town in a Mercdes. Yikes!
by lostdog
Fri May 04, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Two Fund Across Three IRAs
Replies: 14
Views: 505

Re: Two Fund Across Three IRAs

It sounds like you have paralysis analysis about how much international to have. There will be times you will convince yourself that you're making the right move while at the same time you don't know. You'll also look for confirmation from others about your moves and thoughts but you're still not su...
by lostdog
Fri May 04, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6537
Views: 1400790

Re: U.S. stocks in freefall

Warren Buffet can really move a market, that's for sure.
by lostdog
Fri May 04, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: Everything You Need to Know on an Index Card
Replies: 33
Views: 3961

Re: Everything You Need to Know on an Index Card

• IF YOU CAN Save at least 15% • Automate contributions to employer traditional 401k at least to match. • Contribute 50% of bonus to 401k Roth • Strive to max out Roth IRA in January every year • Rebalance portfolio in January if necessary • Approximate the weight of the market, no tilting or overw...
by lostdog
Wed May 02, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Auto loan or dip into emergency fund?
Replies: 48
Views: 3310

Re: Auto loan or dip into emergency fund?

mrpotatoheadsays wrote:
Sat Apr 28, 2018 8:42 am
It's not an emergency.

If you can't pay for a car in cash, you can't afford one.

Auto warranties are for suckers.

Take the bus and work a side job until you save-up enough money to pay for a car in cash.
+1
by lostdog
Tue May 01, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 607
Views: 68261

Re: Netflix, Your Current Favorite Show

I just got done watching Bosch season 4 on Amazon Prime. This show is by far one of my top 10 shows of all time. High quality police detective drama. If you like this stuff I suggest you check it out. Season 4 was amazing.
by lostdog
Mon Apr 30, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Should I change careers?
Replies: 52
Views: 3736

Re: Should I change careers?

$11m by age 30? I really went into the wrong field... Serious, give notice tomorrow, spend all your time being Dad. You can put that money in CDs and forget about it for life. I’m much closer to 40 than 30. I had much less at 30, but was still doing fine at that age. Even so, Im 42 and you already ...
by lostdog
Sun Apr 29, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 2504

Re: What Android browser do you use?

Chrome
by lostdog
Sun Apr 29, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10260

Re: Nomadic lifestyle in their 50s

Get Yourself one of these and take off........ :happy http://www.roadtrek.com/wp-content/uploads/2014/07/roadtrek_cs-adventurous_driver-side-angled_white_1280x688_04-2017-720x396.png http://www.roadtrek.com/models/cs-adventurous/ :sharebeer is this what you have? Looks like an amazing vehicle.
by lostdog
Sun Apr 29, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Should I change careers?
Replies: 52
Views: 3736

Re: Should I change careers?

You've won the game. Stop playing.

You don't need to take risk with your money anymore. Go 60/40 and go enjoy your life as a Dad and find some hobbies you enjoy. Throw your ego out the window. Life is short .

Congratulations! :sharebeer
by lostdog
Fri Apr 27, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10610

Re: Amazon to raise Prime membership in US to $119 from $99

lostdog wrote:
Fri Apr 27, 2018 11:20 am
$12.99/month just for prime video. Why more for less services?

That's all I use it for. We have a Walmart and Target down the street.

I stand corrected. It's $8.99/month just for video.
by lostdog
Fri Apr 27, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10610

Re: Amazon to raise Prime membership in US to $119 from $99

$12.99/month just for prime video. Why more for less services?

That's all I use it for. We have a Walmart and Target down the street.
by lostdog
Thu Apr 26, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: Financial Freedom
Replies: 22
Views: 2761

Re: Financial Freedom

My strategy: 1) Save half your after tax income 2) Invest it all in VT 3) Retire with an adjustable 4% withdraw rate (adjustable meaning 4% of current portfolio value, not starting value) after hopefully 15ish years. Keep it all in VT. 4) If you get a 50% crash, reduce your budget and work at McDon...
by lostdog
Thu Apr 26, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: When the market crashes...
Replies: 25
Views: 3324

Re: When the market crashes...

Always have some cash on hand in case of big sales on Wall Street. if you are bonehead BH who don't believe market timing, just put all your money into a your target AA and take your emotion away from investing. Kathy's, Don't market time. Keep investing no matter what. Time in the market is better...
by lostdog
Wed Apr 25, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: Another Warren Buffett S&P 500 Recommendation
Replies: 76
Views: 7224

Re: Another Warren Buffett S&P 500 Recommendation

If Mr. Buffett or Mr. Bogle turn out to be wrong regarding their US-centric view of investing, are they going to reimburse their adherents for losses or the difference between what they might have earned in a more diversified approach to investing? If you turn out to be wrong regarding your diversi...
by lostdog
Mon Apr 23, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9102

Re: Boglehead Philosophy Open To Change?

Nisiprius & T. I've analyzed the portfolio's or funds that the FIRE community uses. Same thing, you have a mix of funds... Some people really have a grasp on what their doing & others don't. One of my favorite bloggers (Millennial Revolution) use a 60/40 Balanced Fund. Other FIRE people use individ...
by lostdog
Mon Apr 23, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 6432

Re: Floating Net Worth w/ VT after 5 Years

I guess the question is what do you value more? Cost or more simplicity with extra cost?
by lostdog
Mon Apr 23, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9102

Re: Boglehead Philosophy Open To Change?

Nisiprius & T. I've analyzed the portfolio's or funds that the FIRE community uses. Same thing, you have a mix of funds... Some people really have a grasp on what their doing & others don't. One of my favorite bloggers (Millennial Revolution) use a 60/40 Balanced Fund. Other FIRE people use individ...
by lostdog
Mon Apr 23, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 6432

Re: Floating Net Worth w/ VT after 5 Years

I wish Vanguard would open up an Admiral Shares class for Total World. That would make getting 100% on board an easier decision. Does anyone know why total world has less stocks than if you combine total us and total international? This, and the expense ratio difference is why I'm not actually in V...
by lostdog
Sun Apr 22, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 6432

Re: Floating Net Worth w/ VT after 5 Years

Since it opened in 2008, I've invested in total world (in the old fashioned mutual fund form) as my core stock holding. I have reasons, but they're very different from the OP's. I have no predictions of US decline, relative or absolute. Stocks may hedge inflation over the long term, but I think the...
by lostdog
Sun Apr 22, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9102

Re: Boglehead Philosophy Open To Change?

gmaynardkrebs wrote:
Sun Apr 22, 2018 4:14 pm
lostdog wrote:
Sun Apr 22, 2018 4:01 pm
Open to change? Nothing I can think of so far. It works for me. It help me land to my final destination of simplicity. Even in life.
What does "never time the market" mean to you?
It means time in the market is better than timing the market.
by lostdog
Sun Apr 22, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9102

Re: Boglehead Philosophy Open To Change?

Open to change? Nothing I can think of so far. It works for me. It help me land to my final destination of simplicity. Even in life.
by lostdog
Sun Apr 22, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 30337

Re: KF's simple rules to achieve FI

How would you calculate savings rate with pretax money combined with after tax money? Do everything by gross: Pretax Dollars Saved + Pretax Match + After Tax / Gross Income + Match = savings rate. or if you like KF's formula, Total Dollars Saved / Total Dollars Spent = your savings ratio. You want ...
by lostdog
Sun Apr 22, 2018 8:19 am
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 30337

Re: KF's simple rules to achieve FI

How would you calculate savings rate with pretax money combined with after tax money?
by lostdog
Sat Apr 21, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 6432

Re: Floating Net Worth w/ VT after 5 Years

I only use VTWSX/VT. It's the most bogleheadish fund there is. No home country bias, no guessing what is the best domestic and international allocation and mostly simplicity.

Buy the haystack.
by lostdog
Sat Apr 21, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3531
Views: 1003611

Re: What Movie Have You Recently Watched?

I went to see Black Panther on Tuesday night. $5 on Tuesday nights. It was good but I am not sure what all of the hype is about.
by lostdog
Sat Apr 21, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 30337

Re: KF's simple rules to achieve FI

Klang,

You're right about the 4 big purchases. I made big mistakes buying new cars early on in my career. Had I avoided that mistake I would have more wealth. Luckily I caught it early enough.
by lostdog
Sat Apr 21, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: The Two Fund Portfolio
Replies: 34
Views: 5106

Re: The Two Fund Portfolio

Hi Rick, I pay the .19 expense ratio and use VTWSX across all my retirement accounts and taxable account. The .19 is worth it to me because it will deter me from taking action and adjusting the domestic and international allocation every time an international thread appears on this forum. I also pa...
by lostdog
Sat Apr 21, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 11230

Re: New retirees: so whatdayathink ?

I am 42 and so far retired. I might go back part time but enjoying getting up and going to the gym every morning for a few hours. I am in so much better shape compared to when I was working. It feels like physical fitness is my new job and I enjoy it so much. When it gets warm I'll bike to the gym a...
by lostdog
Sat Apr 21, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Car for 23 year old
Replies: 33
Views: 2416

Re: Car for 23 year old

My vote would be a corolla or civic, you should be able to get into a newer model under 60K miles for that price. +1. This is great advice. Both cars are rock solid and will last forever. I have a 2011 corolla. I have zero issues with it. Just make to to take good care of it and follow the manual's...
by lostdog
Sat Apr 21, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Lending Club Investing
Replies: 26
Views: 2330

Re: Lending Club Investing

Toons wrote:
Sat Apr 21, 2018 8:56 am
Stick To Index Funds.
Watch the paint dry,



:mrgreen:
+1
by lostdog
Sat Apr 21, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: wash sale for IRA?
Replies: 6
Views: 472

Re: wash sale for IRA?

So you're giving up in international? What if it does better this year? Will you change back?