Search found 4799 matches

by stemikger
Wed Sep 26, 2018 2:28 am
Forum: Investing - Theory, News & General
Topic: Other Portfolios that aren't 3 fund
Replies: 19
Views: 1403

Re: Other Portfolios that aren't 3 fund

I love the one fund portfolio which is also known as the Bogle Model (see the updated edition of The Little Book of Common Sense Investing). What is the Bogle Model you ask? It's the Vanguard Balanced Index Fund. Investing doesn't get better than this and it works!!
by stemikger
Sun Sep 23, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Direct rollover from 40K to IRA
Replies: 2
Views: 225

Re: Direct rollover from 40K to IRA

If you should want to roll your existing 401k money into your next 401k, some plans will only accept a rollover from a "Rollover IRA" which is supposed to be an IRA with only rollover contributions, not ordinary contributions. The law does not require this any more, but some plans have retained the...
by stemikger
Sun Sep 23, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Direct rollover from 40K to IRA
Replies: 2
Views: 225

Direct rollover from 40K to IRA

Hi everyone, I will be calling Vanguard tomorrow to do a direct rollover from my 401K to my Traditional IRA due to a layoff. I have an existing IRA with Vanguard with 34K in it. I will be rolling over $725K. My plan is to put it into the existing IRA which is in the Vanguard Balanced Index Fund. Is ...
by stemikger
Sat Sep 22, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: Are We Headed For A Passive Index Meltdown?
Replies: 60
Views: 9073

Re: Are We Headed For A Passive Index Meltdown?

EyeYield wrote:
Thu Sep 20, 2018 8:44 am
If everybody got in their cars and drove at the same time, we would be headed for a transportation meltdown.
If everyone flushed their toilet at the same time, we would have a serious water drought.

Some things are not worth worrying about.
by stemikger
Tue Sep 18, 2018 12:45 am
Forum: Local Chapters and Bogleheads Community
Topic: Jack Bogle Bobblehead
Replies: 18
Views: 2041

Re: Jack Bogle Bobblehead

Count me in as someone who would love one of these for my desk!! I would definitely buy one!!
by stemikger
Sun Sep 16, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor suggesting 7 Bond funds for my 40%
Replies: 44
Views: 5192

Re: Vanguard Advisor suggesting 7 Bond funds for my 40%

This definitely would not have Jack's blessing. One bond fund is enough for me, heck one fund is enough for me. Vanguard Balanced Index Fund end of story.
by stemikger
Sat Sep 15, 2018 12:25 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 142
Views: 10257

Re: Age in Bonds - Still Recommended?

Jack has often said it was never meant to be gospel but a starting point to get people to think about asset allocation. In the updated version of the Little Book of Common Sense Investing Jack seems to favor the classic 60/40 balanced index fund as a good compromise between risk and reward.
by stemikger
Mon Sep 10, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 7172

Re: Anyone else playing catch-up in their 40's?

It seems most of the ppl here started saving diligently in their 20's or 30's....are there others here who didn't "wake up" like me until they were in their 40's or beyond? Just curious. My rough timeline playing catch-up.... 20's - 0 savings 30's - very minimal 401k savings 40's - maxing all (401k...
by stemikger
Mon Sep 10, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: Question: Alternatives to Berkshire
Replies: 14
Views: 1240

Re: Question: Alternatives to Berkshire

At this point, due to Berkshire's size, Berkshire will probably have a hard time doing better than the index, so just buy the Vanguard 500 Index Fund. If its good enough for Astrid it's good enough for me.
by stemikger
Sun Sep 09, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4513

Re: How much do bogleheads save in 529?

I was light on funding the 529 but I only have one child. I sat her down and said if you want to go to an expensive school and dorm I could probably pay for half of that, but if you want to stay local I can get you through debt free. I cashed flowed her undergraduate and used the 529 to pay for her ...
by stemikger
Sun Sep 09, 2018 7:29 am
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 17005

Re: Why Bull Markets Are Dangerous

Great story Rick and thanks for the reminder. Greed and fear and of course ourselves are the biggest obstacles to overcome when it comes to staying the course.
by stemikger
Sat Sep 08, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 40047

Re: Low-earners- What is your profession?

I started out my career right out of high school (I went to cosmetology school for 8 months and became a licensed hair stylist) and worked with my Dad as a hair stylist. I did that for around 7 years. After my Dad passed away at 52, I left the profession. I went to a 3 month trade school and got a ...
by stemikger
Sat Sep 08, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 40047

Re: Low-earners- What is your profession?

I started out my career right out of high school (I went to cosmetology school for 8 months and became a licensed hair stylist) and worked with my Dad as a hair stylist. I did that for around 7 years. After my Dad passed away at 52, I left the profession. I went to a 3 month trade school and got a j...
by stemikger
Tue Aug 28, 2018 6:50 am
Forum: Investing - Theory, News & General
Topic: New Jack Bogle Book!
Replies: 40
Views: 5558

Re: New Jack Bogle Book!

Thanks for posting Tony!! I'm looking forward to it!!
by stemikger
Mon Aug 27, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22010

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

I have a feeling you were talking strictly of the amount in your investments and not your net worth. I have everything in my 401K and if all goes well should reach that number in 3 to 5 years. My net worth is over $1 million, but that does not feel like a big deal to me. What really made me feel exc...
by stemikger
Mon Aug 27, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 289
Views: 44500

Re: Selling all equities, discuss why I'm wrong. :)

OP, update? The OP hasn't been active on the forum since April. A good lesson to be learned here. I don't envy their position. +1 Definitely a lesson to be learned. Never have more than 75% in stocks and never have less than 25% in stocks. Anything in between that range is perfectly acceptable. ~ B...
by stemikger
Sun Aug 26, 2018 5:24 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 289
Views: 44500

Re: Selling all equities, discuss why I'm wrong. :)

HomerJ wrote:
Fri Feb 09, 2018 2:06 pm
Go 50/50 and you always be right.

Market is going up? "Man, I'm smart to own stocks"

Market is going down? "Man, I'm smart to own bonds".
I agree, but I like a little bit more with 60/40, not much of a difference though and the same idea. 60/40 or 50/50 for life.
by stemikger
Tue Aug 21, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: Is It Possible to Ever Not Have to Worry about Debt
Replies: 12
Views: 1086

Re: Is It Possible to Ever Not Have to Worry about Debt

A friend and I had this discussion recently: He was arguing that truly wealthy people never have to worry about debt or running out of money. I argued that it's all proportional: yes, a truly wealthy person has a lot more money than I do, but that doesn't mean that they still couldn't get themselve...
by stemikger
Mon Aug 20, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you put away in investments?
Replies: 66
Views: 5451

Re: How much do you put away in investments?

You are putting away more than the median income of most households in America. I know several families that don't even make 65K a year. Not all Bogleheads are high-earners, at least this one is not. It's all relative. . . I guess. For the record, I max out my 40K which is 24K because I'm over 50. T...
by stemikger
Mon Aug 20, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3309

Re: Composite Decking Material

We have a 30 year old deck constructed with pressure treated wood. We are thinking of replacing the deck floor, steps and railings with a composite (keeping the existing infrastructure and footings). The contractor gave me a quote using the Azek gray brand of composite. Has anyone had any experienc...
by stemikger
Fri Aug 17, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1052
Views: 82788

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

I am sorry, but I have a heck of a time calling someone a Boglehead if they do not hold any international equities, ESPECIALLY when the decision is made based on past performance. We need a purge :twisted: :P For the record, I hold 25% international equities. So I guess you can't call Jack Bogle a ...
by stemikger
Thu Aug 16, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Boglehead Birthday Gift for 50th B Day - Fine Spirits
Replies: 29
Views: 2078

Re: Boglehead Birthday Gift for 50th B Day - Fine Spirits

One of my oldest and best friends is turning 50 in a month. Our families/spouses are friends so we already got him a nice gifts for the house BUT I want to give him something special just from me (man to man). I would like to spend between $50 and $100. He is a social drinker so I was thinking of a...
by stemikger
Tue Aug 14, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1052
Views: 82788

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

Yes, he does, but that is for Berkshire. When he talks to the Know-Nothing Investor (his words), he simply says 10% in cash and 90% in the S&P. That is what he is doing for his wife when he dies. Would you recommend a 90% S&P 500/10% bond portfolio for the average retiree? His wife is now 72. No, b...
by stemikger
Tue Aug 14, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1052
Views: 82788

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

Yes, he does, but that is for Berkshire. When he talks to the Know-Nothing Investor (his words), he simply says 10% in cash and 90% in the S&P. That is what he is doing for his wife when he dies. Would you recommend a 90% S&P 500/10% bond portfolio for the average retiree? His wife is now 72. No, b...
by stemikger
Tue Aug 14, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1052
Views: 82788

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

Posted by ValueThinker There are plenty of badly governed companies that Buffett avoids in the USA - his approach is about the rifle shot, not about the geographic location (he made the largest acquisition of an Israeli company by a foreign one). When I quote Warren about not investing in foreign f...
by stemikger
Tue Aug 14, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1052
Views: 82788

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

I never invested in international, but not because it is not doing well it is because years ago I read Common Sense on Mutual Funds and John Bogle's chapter on that subject resonated with me so much that I felt it wasn't necessary. Having said that, just when you stop investing in it, it will do be...
by stemikger
Tue Aug 14, 2018 8:41 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1052
Views: 82788

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

I never invested in international, but not because it is not doing well it is because years ago I read Common Sense on Mutual Funds and John Bogle's chapter on that subject resonated with me so much that I felt it wasn't necessary. Having said that, just when you stop investing in it, it will do bet...
by stemikger
Tue Aug 14, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Mutual funds / market correction
Replies: 13
Views: 1120

Re: Mutual funds / market correction

Don't worry, the day you choose to invest in the market it will go down the next day.; it happens to everyone. The day you sell and take some profits, the next day.the markets will go sky high. :-) +1 Yes, this is so true. If you feel nervous and you have every right to feel that way, you can go in...
by stemikger
Thu Aug 09, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 141
Views: 9132

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

This violates two of my investing rules. Don't invest in something you don't understand and choose simplicity over complexity.
by stemikger
Tue Aug 07, 2018 8:59 am
Forum: Investing - Theory, News & General
Topic: holding bonds-why or why not?
Replies: 19
Views: 2281

Re: holding bonds-why or why not?

jjwpls: Money I cannot afford to lose is in Vanguard Total Bond Market Index Fund whose worst annual loss was -2.66% in 1994 (TBM gained +16% in 1995). The rest of my money is in stocks. I sleep like a baby. Best wishes. Taylor +1 This is the reason for me also. 23 years ago when I first started le...
by stemikger
Mon Jul 30, 2018 8:30 am
Forum: Investing - Theory, News & General
Topic: Jonathan Clements blog - Argues for all-in-one fund
Replies: 21
Views: 3807

Re: Jonathan Clements blog - Argues for all-in-one fund

I have decided to go all in with the Vanguard Balanced Index Fund when I retire. I rather have the piece of mind if I predecase my wife. All she has to do is take her withdrawals.
by stemikger
Fri Jul 27, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Your age in bonds?
Replies: 57
Views: 6667

Re: Your age in bonds?

I asked Jack about holding 60/40 for life and got his blessing. This always appealed to me because it gives you enough in stocks to grow your money and hopefully out pace inflation and enough in bonds to not lose sleep during the bad times. Here is the question I asked Jack with his response startin...
by stemikger
Tue Jul 17, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10043

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: 18526

Re: Death Book

Thanks!
by stemikger
Thu Jul 12, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17909

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: 7687

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: 362
Views: 17909

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: 4757

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: 210
Views: 35336

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: 23441

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: 4204

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: 1600

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: 210
Views: 35336

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: 210
Views: 35336

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: 8365

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: 8365

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: 14472

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...