Search found 4765 matches

by stemikger
Tue Jul 17, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 8901

Re: Why own a bed?

While I'm alive I want to sleep in total comfort because we will be either in a casket or an urn forever, while I'm alive, I am owing a solid bed frame and a nice mattress. I'm a simple man with very few material wants or needs, I even drive an old car because it does not matter to me, but don't mes...
by stemikger
Mon Jul 16, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Death Book
Replies: 41
Views: 17813

Re: Death Book

Thanks!
by stemikger
Thu Jul 12, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10369

Re: COMING SOON: BOGLEHEADS PODCASTS

What's a Boglehead

Bogleheads Unite

The Boglehead Universe

The Boglehead Matrix

Boglehead World or BWP (Boglehead World Podcast)

The Boglehead Neighborhood

The Boglehead Planet

Bogleheads and You

The Boglehead Religion

The Boglehead Believers

The Boglehead Mantra
by stemikger
Thu Jul 12, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Building a Pool
Replies: 64
Views: 7192

Re: Building a Pool

I'm seeking feedback on building a pool in our backyard. We are in the SE USA where we'd get 5-6 months of use. The pool was quoted at around 40k, but I know it'll be 45k by the time they're done and I have the landscaping, irrigation, and fence fixed. The design looks fantastic and I think my fami...
by stemikger
Thu Jul 12, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10369

Re: COMING SOON: BOGLEHEADS PODCASTS

This is great. Looking forward to it!!

Here is my name entry:

Bogleheads Wise Investing or

Bobleheads Investing for the Ages
by stemikger
Tue Jul 10, 2018 1:08 am
Forum: Investing - Theory, News & General
Topic: Why 3-funds and not 4-funds or even 2-funds?
Replies: 56
Views: 4389

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

As much as I think the 3 fund portfolio is brilliant, I prefer the one fund portfolio which is the Vanguard Balanced Index Fund for life. I have no desire to own international stocks and definitely don't see the point in owning international bonds. So, you can make it as simple or complicated as you...
by stemikger
Mon Jul 09, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 191
Views: 30005

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

I just finished reading Taylor's new book and all I can say is, it is one of the best out there. I also wrote a review on Amazon and it is worthy of every one of those 5 stars!!
by stemikger
Mon Jul 09, 2018 11:03 am
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 110
Views: 22502

Re: favorite bogleheads posts?

Taylor's response to a "Why not 100% stocks" thread... Taylor Larimore| 09-28-00 Our family owned "Larimore's Diner" in Foxboro, Mass. in 1929. I was 5 years old and remember. When the depression hit, we lost the Diner and moved into my grandfather's home in Miami. Grandfather, who was an investor ...
by stemikger
Thu Jul 05, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: Anyone tilting heavy to international based on current forecasts?
Replies: 38
Views: 3943

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

No! I'm sticking to my plan. Long term investing will go through many different and difficult times. Many Presidents, many great moments and many tragic moments. Nothing should change for the long term investor if you thought things through and are comfortable with the level of risk you are taking. ...
by stemikger
Wed Jul 04, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Keto Diet
Replies: 16
Views: 1438

Re: Keto Diet

The wife and I are looking into trying out the low carb/low sugar/high fat keto diet. Any experiences with it? Also, any good books or keto programs anyone would recommend? Thanks! My Sister-in-Law is very big in the Lifestyle Medicine Field and is a proponent of a vegetarian plant based diet and I...
by stemikger
Wed Jul 04, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 191
Views: 30005

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

I'm going to buy the hardcover now on Amazon. Looking forward to reading it and then will pass it on to my daughter.

Way to go Taylor!!!!
by stemikger
Wed Jul 04, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 191
Views: 30005

Re: Amazon Customer Reviews and The Bogleheads' Guide to The Three-Fund Portfolio

You’re a good guy Taylor. I see you are a Paul Stanley fan. I love Kiss!! Met Paul several times and he was always a great guy. My best guesstimate is since I was 17 I have seen Kiss probably about 50 times. I'm 54 now. My dream is to go on a Kiss cruise before they call it quits after the 2019 3 y...
by stemikger
Wed Jul 04, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 7712

Re: What % of your equity is int’l?

Jack and Taylor say 20%. Good enough for me. True, but Jack's first line is that it is not necessary, but if you must, no more than 20%. I think he throws that out there because most experts don't agree with him and he admitted at the last Boglehead meeting he hates being asked this question so oft...
by stemikger
Wed Jul 04, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 7712

Re: What % of your equity is int’l?

Jack and Taylor say 20%. Good enough for me. True, but Jack's first line is that it is not necessary, but if you must, no more than 20%. I think he throws that out there because most experts don't agree with him and he admitted at the last Boglehead meeting he hates being asked this question so oft...
by stemikger
Tue Jul 03, 2018 5:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 90
Views: 13485

Re: Too much Bogleheads.org?

I can relate. I too have become obsessed for the last 20 years. I kind of put myself in my own self-inflicted prison and lost interest on other things because this obsession became all I wanted to talk about or read about. All I can say is too much of a good thing is well. . . not good. Once you get...
by stemikger
Tue Jul 03, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation once you reach your target
Replies: 42
Views: 3009

Re: Asset Allocation once you reach your target

Does Vanguard Balance fund automatically re-balance? How often does it rebalance? Yes they do. It stays at a constant 60/40. Not sure how often or they just do it with new inflows. Either way, it's a totally hands off investment program if you thrive on simplicity and don't feel the need for intern...
by stemikger
Tue Jul 03, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation once you reach your target
Replies: 42
Views: 3009

Re: Asset Allocation once you reach your target

I think a 60/40 throughout one's lifetime is a good idea. I am 54 and currently 60/40, that will stay for the rest of my natural life. Like Jack Bogle says, I don't want to think about it or worry about it. The Vanguard Balanced Index Fund will be my solution. Is it optimal? Who knows. Having said ...
by stemikger
Tue Jul 03, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation once you reach your target
Replies: 42
Views: 3009

Re: Asset Allocation once you reach your target

I think a 60/40 throughout one's lifetime is a good idea. I am 54 and currently 60/40, that will stay for the rest of my natural life. Like Jack Bogle says, I don't want to think about it or worry about it. The Vanguard Balanced Index Fund will be my solution. Is it optimal? Who knows. Having said t...
by stemikger
Tue Jul 03, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 169
Views: 12090

Re: Expected returns for 80/20 stock bond for next 10 years.

I can't believe Rick Ferri and all of you bogleheads saying to expect 5% nominal returns in the future. I guess i will have to sell my holdings and contact a SmartVestor Pro. Dave Ramsey says i should get 12%. LOL! That’s what I would do. If 5% was too low for me, I’d visit a high cost adviser and ...
by stemikger
Tue Jul 03, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: How Not to be a Slave to my Wood Deck?
Replies: 37
Views: 2840

Re: How Not to be a Slave to my Wood Deck?

I went through this for twenty years. This year I just replaced everything with composite decking. Never have to stain again. It looks so nice and because they use brackets underneath, you don't even see nail holes. I love it. It's pricey, but they were able to use the existing foundation and replac...
by stemikger
Mon Jul 02, 2018 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 7712

Re: What % of your equity is int’l?

0% unless you count the approximation that 50% of the S&P's revenue is outside the United States. But for all intents and purposes I guess most here would consider it 0% Roger that - same here - 0% international. :sharebeer Yes, we belong to a very exclusive club!! lol. You, Me, Jack Bogle and Warr...
by stemikger
Mon Jul 02, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 7712

Re: What % of your equity is int’l?

0% unless you count the approximation that 50% of the S&P's revenue is outside the United States. But for all intents and purposes I guess most here would consider it 0% Roger that - same here - 0% international. :sharebeer Yes, we belong to a very exclusive club!! lol. You, Me, Jack Bogle and Warr...
by stemikger
Mon Jul 02, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Private Label Blackrock Index Funds?
Replies: 28
Views: 1853

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 stemikger
Sun Jul 01, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Private Label Blackrock Index Funds?
Replies: 28
Views: 1853

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.
by stemikger
Sun Jul 01, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: Are Hedge funds basically scams?
Replies: 36
Views: 3079

Re: Are Hedge funds basically scams?

Scams no, but usually not worth the money they charge.

IMHO Hedge Funds will always be around because very rich people can't believe it is as simple as investing in an index fund. The very rich will always feel they need to be in an exclusive club where the Average Jane and Joe can never attend.
by stemikger
Sun Jul 01, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Debating a new deck
Replies: 8
Views: 820

Re: Debating a new deck

Deck Remodelers only do top notch work with top materials, including LED lighting... The pergola has an open and shut roof I have led lighting in mine, that does not cost a lot. My guess is the material you are using and the pergola with the roof is the added cost. I did a remodel with Trex decking...
by stemikger
Sun Jul 01, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 7712

Re: What % of your equity is int’l?

0% unless you count the approximation that 50% of the S&P's revenue is outside the United States. But for all intents and purposes I guess most here would consider it 0%
by stemikger
Sat Jun 30, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Debating a new deck
Replies: 8
Views: 820

Re: Debating a new deck

I love my deck and have zero regrets, but that sounds like an awful lot of money. Did you get more than one estimate?
by stemikger
Fri Jun 29, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: New Bogle interview
Replies: 5
Views: 614

Re: New Bogle interview

Thanks for posting.
by stemikger
Thu Jun 28, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 719
Views: 78175

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

I just saw this on Netflix and it was outstanding:

Simulated - A true story about a man with extensive knowledge about the creators who made us and we are in fact living in a simulation.
by stemikger
Thu Jun 28, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: The cost of reducing portfolio volatility
Replies: 25
Views: 2369

Re: The cost of reducing portfolio volatility

Either way, we all have to make a decision. I'm trying to stick with mine, even though one of my heroes does not agree with it. Warren Buffett thinks the long term know-nothing investor should be mostly in stocks 90/10 is what he is doing for his wife and Jack Bogle, likes the Balanced Index 60/40 i...
by stemikger
Thu Jun 28, 2018 9:12 am
Forum: Investing - Theory, News & General
Topic: Bernstein watchers - where do you go to see his current writing or current allocation preferences ?
Replies: 32
Views: 3905

Re: Bernstein watchers - where do you go to see his current writing or current allocation preferences ?

I'm not doctrinaire on the subject, and you'll find plenty of praise in my books for a three-fund/target date approach; that's what "If You Can" is all about. Thank you. I'm glad you made that comment. I am afraid sometimes that readers may overlook the excellent analysis and perspective offered by...
by stemikger
Thu Jun 28, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: Bernstein watchers - where do you go to see his current writing or current allocation preferences ?
Replies: 32
Views: 3905

Re: Bernstein watchers - where do you go to see his current writing or current allocation preferences ?

Re Admiral share classes for Target Date and LifeStrategy Funds. I believe that the additional expense of managing and rebalancing TD and LS funds of funds is the reason why Investor share classes are used. If Admiral share classes were used, Vanguard might have to add some basis points to the lowe...
by stemikger
Thu Jun 28, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Bernstein watchers - where do you go to see his current writing or current allocation preferences ?
Replies: 32
Views: 3905

Re: Bernstein watchers - where do you go to see his current writing or current allocation preferences ?

I just wish Vanguard would offer Admiral Class Target/Life Strategy funds :wink: Bill +1 That would be great, but after watching last year's BH Conference video, it seemed like Jack forgot to look into it. Hey, I can't blame him, he has got a lot on his plate and I'm still amazed how sharp he is at...
by stemikger
Thu Jun 28, 2018 8:27 am
Forum: Investing - Theory, News & General
Topic: Bernstein watchers - where do you go to see his current writing or current allocation preferences ?
Replies: 32
Views: 3905

Re: Bernstein watchers - where do you go to see his current writing or current allocation preferences ?

Bill Bernstein is so smart, I get intimidated even reading his books. lol. Having said that, I'm a simplicity junkie and relate to John Bogle more than Bill. My two fund portfolio Total Stock and Total Bond will do the trick and one day become my one fund portfolio Balanced Index. However, Bill is b...
by stemikger
Tue Jun 26, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: 60/40 or 40/60?
Replies: 42
Views: 4556

Re: 60/40 or 40/60?

50/50 and you'd have something in common with Jack Bogle.
by stemikger
Tue Jun 26, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7108

Re: Family dynamics/in laws/am I being petty?

So this past weekend my wife and I went out to eat with my in laws—MIL, FIL, SIL, BIL, niece and nephew. We were taking my MIL/FIL out for a combo birthday/Father’s Day meal. When the check came, my SIL took it and told us how much we owed—we ended up splitting the $300 bill in half. In years past ...
by stemikger
Sat Jun 23, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 32357

Re: What is/ was your career and would you recommend it now?

I was a hairdresser and my dad owned two shops. My dad passed away 30 years ago at 52 and I was a young 22 year old and lost it all. I never went to college but was tired of the profession because there were no benefits and the income was not steady. My Mom was a legal secretary and she said a lot o...
by stemikger
Fri Jun 22, 2018 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: VBIAX vs. VWELX [Vanguard Balanced Index vs. Wellington]
Replies: 21
Views: 2443

Re: VBIAX vs. VWELX

Any comments on these two funds. I chose VBIAX over VWELX because of a lower expense ratio and relatively similar performance over 10 years as well as 1,3, and 5 year performance. I would appreciate feedback. You chose wisely. Jack Bogle uses this fund to invest the money he gifts to his Grandchild...
by stemikger
Fri Jun 22, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: Best Books For Learning?
Replies: 11
Views: 1102

Re: Best Books For Learning?

My new favorite book and my most recent read is: J.L. Collins - A Simple Path to Wealth. It reinforces index investing as the only thing you need to know. It also emphasizes simplicity by investing in two index funds being the Total Stock Market Index and the Total Bond Market Index. Jim agrees with...
by stemikger
Fri Jun 22, 2018 1:53 am
Forum: Personal Consumer Issues
Topic: Most vs. Least satisfying home impovements
Replies: 35
Views: 3514

Re: Most vs. Least satisfying home impovements

I'm going through the same thing. Most - I just put in a Veranda Deck in my yard and put a new liner in my pool (Enjoying it very much) Least - New Heat and AC (Of course we needed it, but I wish the old one could have lasted a little longer) Currently putting all new windows in my house (We are usi...
by stemikger
Wed Jun 20, 2018 11:47 pm
Forum: Investing - Theory, News & General
Topic: Why is Mr. Bogle so against investing internationally?
Replies: 24
Views: 2930

Re: Why is Mr. Bogle so against investing internationally?

Mr. Bogle asserted that he is not fond of investing in foreign stocks as Currency risk is huge also other countries isn't as hard working as the US. So is it a safe bet to invest 100% of my stock assets into a domestic firms index etf? I'm in the minority and think like Jack. I have been investing ...
by stemikger
Wed Jun 20, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: Why is Mr. Bogle so against investing internationally?
Replies: 24
Views: 2930

Re: Why is Mr. Bogle so against investing internationally?

Mr. Bogle asserted that he is not fond of investing in foreign stocks as Currency risk is huge also other countries isn't as hard working as the US. So is it a safe bet to invest 100% of my stock assets into a domestic firms index etf? I'm in the minority and think like Jack. I have been investing ...
by stemikger
Wed Jun 20, 2018 5:05 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11896

Re: Which boglehead rule do you break--and are ok with

100% equities. yolo. +1 +2 Actually, you might not be breaking any rule according to Jack. Go to 27:44 to hear his take on 100% equities. https://www.youtube.com/watch?v=byNIu6e7Sbs&t=2480s Thanks for posting that link! Bogle's comments about SS and pensions acting like a bond in a portfolio matche...
by stemikger
Wed Jun 20, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11896

Re: Which boglehead rule do you break--and are ok with

guyesmith wrote:
Mon Jun 18, 2018 8:14 pm
msk wrote:
Mon Jun 18, 2018 6:41 am
FIBoston wrote:
Mon Jun 18, 2018 6:34 am
100% equities. yolo.
+1
+2
Actually, you might not be breaking any rule according to Jack. Go to 27:44 to hear his take on 100% equities.

https://www.youtube.com/watch?v=byNIu6e7Sbs&t=2480s
by stemikger
Mon Jun 18, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8735

Re: Very confused with the current market

capcase wrote:
Sun Jun 17, 2018 2:34 pm
- It has been history higher and higher.
- the fundamental law says it will recycle every 10 years
- I had been on cash for 10 months

Please don't tell me I should not time the market.

What's going wrong?
This might help.

https://www.youtube.com/watch?v=k6ra5POdsYg&t=17s
by stemikger
Sun Jun 17, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4664

Re: African Safari: Worth it or Hype?

Some seasoned travelers tell us that Africa was the best trip they ever took. Others have been unimpressed and are just as happy seeing animals in the zoo. Would be interested in thoughts of those who have visited Africa. Is it worth it or mostly hype? Thanks in advance. Roosevelt. I never went, bu...
by stemikger
Sat Jun 16, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 16810

Re: Top Shelf Liquor Overrated?

MJW wrote:
Sat Jun 16, 2018 6:40 pm
stemikger wrote:
Sat Jun 16, 2018 12:29 am
so drinking Bud Light which I really love the taste
When I read this I am torn between feeling compelled to try to convince you otherwise, or simply reciting the Serenity Prayer as many times as it takes for me to let it go.
LOL. Bud Light Forever!!
by stemikger
Sat Jun 16, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 16810

Re: Top Shelf Liquor Overrated?

...As far as beer goes, I only drink Bud Light. All these new craft beers are just too bitter and heavy for me. *sigh* (from a committed IPA consumer...) But you'll ruin your palate! This from my local wine dealer (who also sells craft beer). And she was right. My husband kept going for hoppier and...