Bogleheads.org

Vanguard Fan 1367

I know someone who got a long term loan in 2006 on a 35k boat. He finished paying it not too long ago.

I suppose they can sell more boats with a lower payment.

Vanguard Fan 1367

It’s in large part due to Jack that we, a W2 income family, have been able to provide for our future. Amen to that. Even well below average here apparently (saw in another thread where our average NW here is $5M :shock: ) and with an employer plan managed by Fidelity limiting VG access in my main p...

Vanguard Fan 1367

It’s in large part due to Jack that we, a W2 income family, have been able to provide for our future. Amen to that. Even well below average here apparently (saw in another thread where our average NW here is $5M :shock: ) and with an employer plan managed by Fidelity limiting VG access in my main p...

Vanguard Fan 1367

I went the other way. Before interest rates went into the toilet my goal was 60/40. Now it is 80/20.

Vanguard Fan 1367

I think an under 30 dollar Sonicare available on Amazon would work ok. I prefer the Sonicare to other electric toothbrushes.

Vanguard Fan 1367

Hi everyone, I’m in my mid 30s and just starting out. I am kind of late a late investor, but today is better than tomorrow. My question is: 1) is it better to pick dividend ETFs or in a ROTH IRA? That way, it’s all tax free? Or, do you go with index funds, and which ones? 2) on that same question, ...

Vanguard Fan 1367

When in professional school I heard the advice that you should get an investment advisor if your wealth became significant as in more than a million or so. I am grateful for the advice of John Bogle. I don't have 20 million but if I did and the one to two percent that investment advisors charge with...

Vanguard Fan 1367

I like a two fund portfolio. One way to do this is Vanguard’s Total Stock Market ETF in your taxable accounts and Roth. Vanguard’s bond ETF BND for your SEP IRA. I also failed at market timing. My investment success got much better after reading Bogle’s “The Little Book of Common Sense Investing “. ...

Vanguard Fan 1367

Everybody has to do their own thing. I don’t like the second home or the mortgage but you have to live with the situation, not me.

Vanguard Fan 1367

I stopped churning earlier last year, and just now grew tired of tracking categories on other cards. This is now my main card. Simplicity. I also like the simplicity of the Fidelity card. I have used them for many years. There are people who like to pay cash for things but I have found that the 2% ...

Vanguard Fan 1367

Changing to Nike Air or something similar at Walmart has really helped my hip not to hurt while walking.

At work and for social situations I used to wear leather loafers but not anymore for any walking.

Losing 30 pounds helped also.

Vanguard Fan 1367

The wife and I also had 4 little humans. She used to complain that we had to scrimp and save. But she sucked it up and did it.

Dave Ramsey says that if you live like no one else later you get to live like no one else. Now that we are retired that has worked out just like that for us.

Vanguard Fan 1367

:confused I'm still waiting for a Peter Lynch devotee to tell us about an investment made following the guidance in one of Lynch's books and how that investment fared. So far no takers. I bought Chrysler, Pier One, Occidental Petroleum, Coca Cola, Sysco, Intel, Merck, and Florida Power Stock in the ...

Vanguard Fan 1367

My business rocked and rolled till the Great Recession (2008). I had sei up an S Corp. After the recession I didn’t get much benefit from the S Corp and wouldn’t have done it had I known my business wasn’t going to rock and roll.

Vanguard Fan 1367

I wouldn't trust anything the IRS says. Call them five times, and you'll get seven different answers. But I do agree with what you say here. 1) If my accountant isn't comfortable with something I plan to do, then we probably shouldn't work together. 2) If my accountant is basically ignoring me, the...

Vanguard Fan 1367

I also feel sad about non Boglehead investing.

Low fee index funds get a lot of business but many folks like another approach. I would experience a lot of pain paying 1 to 2 % of my assets in various fees each year.

Vanguard Fan 1367

I have a number for my retirement. However, the number was reached far faster than I expected. So I am seriously considering to retire at the end of this year or next year (dependent upon my son's employment status). When I read around (on similar forums), it seems that everyone's portfolio grows a...

Vanguard Fan 1367

I don't understand the obsession many have here with reading countless investment books when the Bogleheads' approach to investing is so incredibly simple. I think it is more complex than that, the endless arguments DCA vs. LS being very good evidence of this. I have no idea what "DCA" or...

Vanguard Fan 1367

I used to think that less than 2% AUM and other fees wasn't a big deal. I appreciate Bogle pointing out that over time it is a big deal.

Vanguard Fan 1367

Isn't that sort of the whole point of this contest though? Pointing out how absurd it is to expect the average hedge fund cherry-picking stocks to outperform a broad index fund? Yes, there are some winners, but, on average, the hedge funds are trailing the broad index fund, as expected. If you can’...

Vanguard Fan 1367

jeanpierremelville wrote: ↑Tue Mar 30, 2021 9:10 pm How was your practice valued when you sold? Was it a multiple of annual revenue or some other measurement?

It was appraised. They typically come up with a percent of annual production in their appraisal. I think the value was around 70% of annual production.

Vanguard Fan 1367

juandelacruz wrote: ↑Wed Mar 31, 2021 11:35 am Well, if I’d listened to Peter Lynch, I may have actually bought some Tesla stock when their showrooms were packed.

I did enjoy a ten bagger in OXY taking his advice to have a basket of stocks

Vanguard Fan 1367

These books actually harmed my investment success: "How to Prepare for the Coming Bad Times" And "The Coming Economic Earthquake." Peter Lynch got me away from the doomsday prepper books and got me started with stock market investing. I found his books useful. My investment life ...

Vanguard Fan 1367

On my first 2 closings I was unaware of the implications of some of the things that I was signing. I have learned from my mistakes and have either hired an attorney to look things over or done it myself. Your time would be well spent figuring out how to read the documents before you close.

Vanguard Fan 1367

- opportunities to go and own real estate and also the value of building up a practice and selling it later on which I cannot do as an employee The income from owning the office real estate and the value of building up a practice and selling it later on has helped me significantly in my retirement.

Vanguard Fan 1367

I haven't read all the responses. I like the humor that Jack Bogle gave us in passing on that expression. I have read enough responses to see that not everyone appreciates his humor and his exaggeration. I do feel sorry for someone I know who really doesn't know much about investing. This person has...

Vanguard Fan 1367

I have had a nice return with Vanguard's High Dividend Yield ETF, VYM. I used to have a nice dividend yield with Johnson and Johnson. I feel better with the John Bogle idea of having a well diversified basket of dividend paying stocks. My VYM is in an IRA so it avoids the tax problem of dividend tax...

Vanguard Fan 1367

The only downside is these funds are NOT portable to other brokerages - so as long as you intend to stick with Fidelity, there is practically no downside. I avoid them for that reason - other index funds cost virtually nothing anyway (not zero though). I agree with the “next to nothing” cost of som...

Vanguard Fan 1367

I am a retired dentist. I started my career as an associate and ended it as an associate. I definitely prefer private practice.

I like being my own boss.

Vanguard Fan 1367

I appreciate his books and his company. They have helped a lot to enjoy my retirement.

Vanguard Fan 1367

If you haven’t read Bogle’s books I sure recommend them for “decent advice.”

Vanguard Fan 1367

SS is pretty complicated. After studying and listening to advice here my 66 year old wife decided to take her benefit at her full retirement age of 66. When I start taking my SS at 70 she will then apply for a spousal benefit off my earnings which will be higher than her benefit. I am 68.

Vanguard Fan 1367

If you want simplicity I like a 2 fund approach, one bond and one US Total Market. Avoiding International as per Bogle's books hasn't hurt me since I started trying to do what Bogle recommends in 2014. And as many have said, Vanguard's Total Stock Market Fund has corporations that get income from In...

Vanguard Fan 1367

Bonds sure aren't much of an investment in today's world. So the all equities idea isn't as bad as when bonds paid 7%

Vanguard Fan 1367

It sort of feels like that. The big difference I see is that there was an enormous home building boom in our area in 2007, and right now, nothing is getting built. Something is being built. Have you looked at the price of building materials? $3 2x4x8 studs selling for $7 $7 sheets of 7/16 OSB selli...

Vanguard Fan 1367

I think that with bond yields in the toilet that your 50 50 plan is reasonable. In the old days I should have been at 70 % bonds. I am at 30% bonds and 70% stocks.

Vanguard Fan 1367

That medallion signature thing is a drag! I feel your pain. Legally the relative owns half of the fund. It would be interesting to know how much money we are talking about. Is it worth consulting an attorney to see what sort of options you have. If you could reconcile with this family member and for...

Vanguard Fan 1367

I like what some have said: “you get what you don’t pay for.” I think the lower expense ratio makes Wellington more attractive.

Vanguard Fan 1367

I am pretty sure if you sell a fully depreciated vehicle that you will owe taxes on the selling price. I would need a tax advisor to tell me the amount.

Vanguard Fan 1367

I love the Tampa area. I know nothing about Vegas.

One of my hobbies is salt water fishing.

Vanguard Fan 1367

I like SpecID. Before the COVID related phone issues I had a pleasant experience with a Vanguard rep helping with a tax loss harvesting sale.

Vanguard Fan 1367

I like living on a lake in Florida.

This is an investment forum and because waterfront land is a limited quantity it has worked out better as an investment than non-waterfront.

We have awesome sunsets

.

Vanguard Fan 1367

The book “The Tax Bomb in Your Retirement” is interesting reading.

Vanguard Fan 1367

I have used both and have not had a problem.

Vanguard Fan 1367

JupiterJones wrote: ↑Mon Mar 15, 2021 12:07 pm
Vanguard Fan 1367 wrote: ↑Fri Mar 12, 2021 6:35 pm I just logged onto my Publix app. 164 digital coupons are there right now. If you like coupons then joining their club is probably worth it.
Are they name-brand coupons or are they for the (excellent) Publix store brand? Or both?

Today they have both name brand and Publix coupons.

Vanguard Fan 1367

I just logged onto my Publix app. 164 digital coupons are there right now. If you like coupons then joining their club is probably worth it.

Vanguard Fan 1367

I also have experience with both solar and low voltage. I prefer low voltage. In my hands the solars don't last very long.

Vanguard Fan 1367

What works for me is intermittent fasting, eating within the time period of 12-7pm. Once I got used to it, it became easy as pie. I eat what I want. No restrictions of carbs, fat, or sugar. I just get my eating done in that window, and the weight took care of itself after awhile. so if someone eats...

Vanguard Fan 1367

Wow! GME’s 2021 rise is pretty impressive!

Vanguard Fan 1367

It was a tough week as bond market and inflation concerns weighed on the broader equity markets, and the tech and smaller cap sectors sold off in particular. :happy You know, I'm just pleasantly surprised that stocks which were chosen to spell out a phrase are performing around the same as the VTI ...

Search found 2000 matches