Search found 4687 matches

by stemikger
Sat May 19, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 76
Views: 9358

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

I love Buffett, but I don't have the stomach for 90% stocks. I will stick with 60/40 and hopefully it gets me there.
by stemikger
Sat May 19, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 76
Views: 4415

Re: What’s your phone/internet bill?

Verizon Fios for Phone and Internet (Landline only)

$85 per month.
by stemikger
Fri May 18, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 129
Views: 7556

Re: Dave Ramsey it or keep low interest debt

I have 3 debts as follows 20k car loan - 0% 38k car loan - 1.9% 226k mortgage - 3.625% Annual income 255k Fully funded emergency fund (6 months) Right now I save 86k annually. Should I continue saving as is (via 401k, Roth, taxable) or save less to knock out these very low interest loans? I know th...
by stemikger
Fri May 18, 2018 4:09 pm
Forum: Investing - Theory, News & General
Topic: "Keep it Simple With Index Funds"
Replies: 8
Views: 1808

Re: "Keep it Simple With Index Funds"

Thanks for posting this Taylor!
by stemikger
Fri May 18, 2018 5:15 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 608
Views: 68615

Re: Netflix, Your Current Favorite Show

Living on a tiny ant Give me a Moment Sacred Cows (the true story of the diary industry) The secrets we never knew Dad is in Heaven With Nixon Cutie and the Boxer I like killing flies Dogtooth Mum and Dad So sad to see you alive Join the party but not the past Blame the poppies Addicted Hoarders Hoa...
by stemikger
Thu May 17, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7537

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Nobody Knows Nothing! Are you an investor or a speculator? Market timing never works (some do get lucky, but it is a very small percent). If you feel nervous readjust your asset allocation to something you can live with when the market does go down, but NEVER ALL IN OR ALL OUT OF THE MARKET. I said ...
by stemikger
Tue May 15, 2018 4:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 8935

Re: Yes, I'm 89 all right! [Jack Bogle]

I'm glad you saw all the birthday wishes! Thank you Mr. Bogle (Jack) for letting us all know you are doing well! A real inspiration!
by stemikger
Tue May 15, 2018 12:11 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 49
Views: 2532

Re: How did you fall in love with investing?

I was always hard wired to save, but I was also a late starter. I remember when I was a kid and wanted to save in a Christmas Club my dad discouraged me. After that, I didn't start saving until I was in my early 30s. One of the books that really got me going was The Automatic Millionaire. I realized...
by stemikger
Mon May 14, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7040

Re: Is there a boglehead muscle car?

The Nissan Versa. It's the most inexpensive car sold today. I tend to flex my muscles elsewhere.
by stemikger
Sat May 12, 2018 4:44 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 314
Views: 21371

Re: Lucrative careers?

I think you are looking at it the wrong way. Find your passion and go all in with it. As Warren Buffett has said numerous times, "Don't Sleep Walk Through Life". At your age, do the hard work to find that passion, when you are my age, you will thank your younger self. P.S. The problem with looking a...
by stemikger
Thu May 10, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: Cliff Asness (AQR) on Bloomberg discussing Fixed Income
Replies: 15
Views: 1671

Re: Cliff Asness (AQR) on Bloomberg discussing Fixed Income

Cliff Arness is the Hedge Fund Manager that John Bogle hates the least.
by stemikger
Thu May 10, 2018 3:44 pm
Forum: Investing - Theory, News & General
Topic: Professor Andrew Lo interviews John Bogle
Replies: 10
Views: 1795

Re: Professor Andrew Lo interviews John Bogle

4nursebee wrote:
Wed May 09, 2018 8:47 am
So what are the books on Jacks desk?
I see several of his own.

To the OP! Thanks for posting!
by stemikger
Wed May 09, 2018 9:31 pm
Forum: Investing - Theory, News & General
Topic: Is JB ok?
Replies: 2
Views: 1016

Re: Is JB ok?

Mr. Bogle didn't attend Berkshire this year (introduced in past when he is there), and at the end of the Berkshire movie, there was a cryptic "get well Bogie" message. Does anyone know if that was meant for JB and if he's O.K.? Didn't see the movie you are talking about but I don't think JB attends...
by stemikger
Wed May 09, 2018 5:59 am
Forum: Investing - Help with Personal Investments
Topic: 100% equity folks- holding any cash/bonds now?
Replies: 50
Views: 4832

Re: 100% equity folks- holding any cash/bonds now?

I'm a balanced fund guy, but I don't think it's unreasonable to be 100% stocks at your age if you know the risks. 90/10 won't be much different. My daughter just started her first real job and at first I told her to buy the Target Date Fund that they offered from Vanguard, but after listening to Jim...
by stemikger
Wed May 09, 2018 5:38 am
Forum: Investing - Help with Personal Investments
Topic: Interested in the Vanguard Wellington Fund Investor Shares (VWELX)
Replies: 7
Views: 1619

Re: Interested in the Vanguard Wellington Fund Investor Shares (VWELX)

Wellington is a fine fund, but like others said, knowing a bit about your situation will help others give you better advice. Wellington is a very old balanced fund with an excellent long term track record. It has low fees and is a managed fund that is very close to having an index fund. I would also...
by stemikger
Wed May 09, 2018 5:12 am
Forum: Investing - Theory, News & General
Topic: Boglehead Documentary
Replies: 4
Views: 844

Boglehead Documentary

Good Morning all, I'm a big documentary fan and I think the Boglehead community would make a fascinating documentary. From the beginnings when Taylor, Mel and others invited Jack to into their homes to what it became today. It would be a great journey following many Bogleheads who reached financial ...
by stemikger
Wed May 09, 2018 12:21 am
Forum: Investing - Help with Personal Investments
Topic: Why Shouldn't I Buy McDonalds Or Coke?
Replies: 66
Views: 8230

Re: Why Shouldn't I Buy McDonalds Or Coke?

Nothing against those companies, but I don't think owning single stocks is the way to go when we have this new invention called the Index Fund. Slow and Steady. . . You know the rest!
by stemikger
Tue May 08, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2429

Re: Happy 89th birthday to Bogle

Happy Birthday Mr. Bogle!! Thank you for giving the little guy and gal a fighting chance!

Here is to many more good years of health and productivity!! :beer

Thank God for the Jack Bogle factor!!!
by stemikger
Sun May 06, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3026
Views: 931915

Re: What Book Are You Currently Reading? Part VI

The Vanguard Experiment by Robert Slater. Five Stars!! I'm sure most of the Bogleheads here already read this book being it was written in 1996. However, if you already love John Bogle, this will make you love and admire him even more (if that's possible).
by stemikger
Sun May 06, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: Graham's Formula -- Still Applicable, Right?
Replies: 19
Views: 1467

Re: Graham's Formula -- Still Applicable, Right?

I follow the formula of Graham's most famous student. The average person should simply invest a like sum every month into the S&P 500 Index. Keep investing through thick and thin, especially thin. The results will be far better than most of the complicated strategies and endowments. However, so-call...
by stemikger
Sun May 06, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Annual Meeting Today 5/5 - Yahoo Livestream
Replies: 23
Views: 2384

Re: Berkshire Hathaway Annual Meeting Today 5/5 - Yahoo Livestream

Thanks so much for this reminder. I will be watching later.
by stemikger
Sun May 06, 2018 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Inlaws are 100% in a single stock - help diversify
Replies: 21
Views: 2519

Re: Inlaws are 100% in a single stock - help diversify

Not one of the brains here, but I certainly do like the fact that they still have a $350K mortgage. And of course, I would love to see them diversified, but can't give you advice on how to go about that due to all the capital gains and such. Many of the pros here I'm sure can get you there. It would...
by stemikger
Sun May 06, 2018 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Allocation to combine Dave Ramsey and Vanguard?
Replies: 79
Views: 6729

Re: Allocation to combine Dave Ramsey and Vanguard?

Keep it simple and read more about how costs really do matter. We can't control anything else, but we can control costs. If you want to take Dave's advice and go 100% stocks, why not do it as cheap as possible and go all in the Total Stock Index and add international to your liking. No one knows wha...
by stemikger
Tue May 01, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10036

Re: Have you quit eating sugar? Tell me how!

currently reading the Starch Solution by Dr. McDougal and he claims that sugar is not the evil substance that the industry wants you to believe. Having said that I am following his diet and lost 20 lbs so far and feel great and still use sugar. lost weight, yes, but do you feel satiated? do you hav...
by stemikger
Tue May 01, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10036

Re: Have you quit eating sugar? Tell me how!

I agree about the moderation part. Sugar is not an issue for me, but Pizza is. I can't just eat two slices and walk away, it turns me into this eating machine. No other food does that to me. Having said that I'm currently reading the Starch Solution by Dr. McDougal and he claims that sugar is not th...
by stemikger
Tue May 01, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8597

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

As a dad, I would not only ask to be notified daily, I will demand it. Their experience and freedom will not be compromised if they take 5 seconds out of the day to send a text. You can even make a code word for them to send you once a day. The word will be their way of telling you everything is go...
by stemikger
Tue May 01, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8597

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

As a dad, I would not only ask to be notified daily, I will demand it. Their experience and freedom will not be compromised if they take 5 seconds out of the day to send a text. You can even make a code word for them to send you once a day. The word will be their way of telling you everything is go...
by stemikger
Tue May 01, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8597

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

As a dad, I would not only ask to be notified daily, I will demand it. I would make this mandatory and if my daughter didn't agree to this, she would not be going. You sound like a joy to have as a father. I went to college starting in 2003 and my parents would be fortunate to hear from me more tha...
by stemikger
Tue May 01, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8597

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

As a dad, I would not only ask to be notified daily, I will demand it. Their experience and freedom will not be compromised if they take 5 seconds out of the day to send a text. You can even make a code word for them to send you once a day. The word will be their way of telling you everything is go...
by stemikger
Tue May 01, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8597

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

As a dad, I would not only ask to be notified daily, I will demand it. Their experience and freedom will not be compromised if they take 5 seconds out of the day to send a text. You can even make a code word for them to send you once a day. The word will be their way of telling you everything is goi...
by stemikger
Sun Apr 29, 2018 9:16 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 304
Views: 29718

Re: Post your Financial Milestone Announcements Here

IMHO the best thing about the Boglehead forum is people are genuinely happy when they hear these announcements. It shows everyone here that we can all get there over time! Keep them coming there is enough virtual beer shares to go around!
by stemikger
Sat Apr 28, 2018 7:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 304
Views: 29718

Re: Paid Off Mortgage Today

:sharebeer Way to go!! Congratulations!!

I paid off mine about 4 years ago and it was one of the best moves I made for sleeping well at night!
by stemikger
Fri Apr 27, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel's 1/3, 1/3, 1/3 diversification
Replies: 28
Views: 5008

Re: Jeremy Siegel's 1/3, 1/3, 1/3 diversification

heyyou wrote:
Wed Apr 25, 2018 11:00 pm
1/N suits me. Others should do whatever suits them.
+1

Very true. You have to do what feels comfortable to you and enables you to stay the course. I'm 100% U.S. like Jack suggests. I'm very comfortable with international diversification I get in the S&P 500 Index.
by stemikger
Thu Apr 26, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: How do I un-follow stock market?
Replies: 31
Views: 1710

Re: How do I un-follow stock marke?

To the OP. There is nothing wrong with having a hobby you are passionate about, but you have seem to come to the conclusion that has become a problem. I would say it doesn't have to be an all or nothing deal, just try to balance out your life to including other interests. It is like starting a new d...
by stemikger
Wed Apr 25, 2018 2:53 am
Forum: Investing - Theory, News & General
Topic: Another Warren Buffett S&P 500 Recommendation
Replies: 76
Views: 7267

Re: Another Warren Buffett S&P 500 Recommendation

This is great. Thanks for posting. I see most people are getting hung up on why he chooses the S&P over the Total Stock Market Index. That never bothered me because the returns are practically identical. The one thing that put my investing life in a tail spin on how he has everyone 90% in equities e...
by stemikger
Sun Apr 22, 2018 8:23 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9283

Re: Boglehead Philosophy Open To Change?

IMO that’s the beauty of the boglehead philosophy...you don’t have to worry what the next trend will be. +1 Without reading any of the other replies except this one, this is the first thing that came to mind. Buying an index fund and going to sleep is such a great way to invest and live your life. ...
by stemikger
Sat Apr 21, 2018 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Want to be 100% in stock index funds ,
Replies: 31
Views: 3037

Re: Want to be 100% in stock index funds ,

Posted by Taylor Larimore
You will sleep like a baby.
I agree with Taylor except for the line above. Sleeping like a baby is no bargain. They are laying in a wet diaper or worse, their gums hurt and most likely have bad gas.
by stemikger
Sat Apr 21, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Want to be 100% in stock index funds ,
Replies: 31
Views: 3037

Re: Want to be 100% in stock index funds ,

Warren Buffett's advice is hold enough in cash (treasuries) to be secure and put the rest in stock index, so if things go down for five years or so, you can don't have to take your withdrawals from stocks until they come back up. So, your thinking is in line with the greatest investor on earth. Howe...
by stemikger
Fri Apr 20, 2018 3:38 pm
Forum: Investing - Theory, News & General
Topic: Interesting S & P 500 facts
Replies: 9
Views: 1873

Re: Interesting S & P 500 facts

I think this is an interesting fact about the S&P 500: it is about 99% US, 1% international. Not 100% US. It doesn't actually matter; inclusion is based on being listed on a US stock exchange; and the "international" companies are in many cases former US companies that moved their legal domiciles o...
by stemikger
Tue Apr 17, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: How Warren Buffett Won His Multi-Million Dollar Long Bet
Replies: 27
Views: 3533

Re: How Warren Buffett Won His Multi-Million Dollar Long Bet

You can't bet against John Bogle and Warren Buffett and win. But even here, many do. Not I!
by stemikger
Sun Apr 15, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can't afford health insurance -- options?
Replies: 23
Views: 2623

Re: Can't afford health insurance -- options?

In New York, under the ACA, he would be eligible for Medicaid at his salary. Check the State where you live.
by stemikger
Sat Apr 14, 2018 12:07 am
Forum: Investing - Help with Personal Investments
Topic: Is an 80/20 Asset Allocation Appropriate?
Replies: 20
Views: 2558

Re: Is an 80/20 Asset Allocation Appropriate?

Asset Allocation is very personal. What is right for you may not be right for others. Having said that, I'm 54 and my wife is 58 and we are 65/35. I rather be a little more conservative and sleep better.

I personally think 80/20 is a better AA for someone on the younger side.
by stemikger
Thu Apr 12, 2018 1:48 am
Forum: Investing - Help with Personal Investments
Topic: Ray Dalio - All-weather - which Vanguard EFTs to invest?
Replies: 20
Views: 2532

Re: Ray Dalio - All-weather - which Vanguard EFTs to invest?

For the record, Jack Bogle and Warren Buffett don't look at Gold as an investment. Stick with stocks and bonds and adjust your AA accordingly. If you are looking at the All Weather, you must be on the conservative side. So maybe 40/60? Just a thought. IMHO no need to complicate the process. It is a...
by stemikger
Thu Apr 12, 2018 12:52 am
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 21
Views: 1486

Re: Need vacuum recomendations

Nothing but the old school Oreck for me. Luckily you can still buy them on Amazon. This vacuum does not have attachments, but is light and can easily slide under the bed and light enough to do stairs without the attachment. I own the commercial version of the one they used to sell on television. It ...
by stemikger
Wed Apr 11, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Ray Dalio - All-weather - which Vanguard EFTs to invest?
Replies: 20
Views: 2532

Re: Ray Dalio - All-weather - which Vanguard EFTs to invest?

For the record, Jack Bogle and Warren Buffett don't look at Gold as an investment. Stick with stocks and bonds and adjust your AA accordingly. If you are looking at the All Weather, you must be on the conservative side. So maybe 40/60? Just a thought. IMHO no need to complicate the process.
by stemikger
Wed Apr 11, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Why traditional IRA better than Roth IRA
Replies: 87
Views: 7310

Re: Why traditional IRA better than Roth IRA

I'm curious to see the replies. I honestly never heard this, but if this is the case, will this change in the future? I am in a TIRA, so it's good news for me.
by stemikger
Wed Apr 11, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Why not annuitize most of portfolio?
Replies: 104
Views: 8413

Re: Why not annuitize most of portfolio?

The best annuity I know is social security. Take it later.
by stemikger
Mon Apr 09, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 12089

Re: What is your AA, given your age? and, Why?

I turn 54 this June, my wife is 58 1. 401K is the bulk of my savings. 65/35 Vanguard Institutional Index Fund and Blackrock U.S. Debt Index Fund 2. I hold a small amount in my TIRA all in the Vanguard Balanced Index Fund (I look at this as a holding place for when I retire) 3. Upon retirement, it al...
by stemikger
Mon Apr 09, 2018 9:26 am
Forum: Investing - Help with Personal Investments
Topic: If you want an actively managed fund, which one would you use?
Replies: 70
Views: 4906

Re: If you want an actively managed fund, which one would you use?

Either one of these funds will be my active choice

Wellington Fund or
Dodge & Cox Balanced