Search found 4522 matches

by stemikger
Sun Dec 17, 2017 7:31 am
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 30
Views: 2145

Re: When to move into bonds

I am 61 and at 50/50. I don't want to lose a lot if stocks go down and stay down. And this year at 50/50. I have still done avout 13% return. My portfolio still has enough stocks to grow. Last thing -'don't be greedy - realize you are at a point in life where you need to preserve too. +1 I could no...
by stemikger
Sun Dec 17, 2017 7:23 am
Forum: Investing - Help with Personal Investments
Topic: 28 Years Old: In the current market, what % into bonds?
Replies: 51
Views: 2582

Re: 28 Years Old: In the current market, what % into bonds?

I think you are fine with the AA (asset allocation) you currently have. If I were you, I would keep it at that AA until 40 and revisit it. Maybe go to 70/30 until 50 then 60/40 for life. Im 53 and hold 60/40 and plan to keep it there for the rest of my natural life and hopefully leave some behind. G...
by stemikger
Sat Dec 16, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 30
Views: 2145

Re: When to move into bonds

Ben Graham would have recommended you make the move a long time ago. He said that the default position should be 50/50 and that everyone should be somewhere between 75/25 and 25/75. We just all think we know better. +1 I'm 53 and 60/40 for several years now. I would be too anxious at 100% in stocks...
by stemikger
Tue Dec 12, 2017 12:49 am
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 8891

Re: "John Bogle and the Vanguard Experiment"

Stay the Course and Press on Regardless mean more to me than just sticking to an investing plan. They basically have become very important as I navigate through life. My life's philosophy. Take one day at a time and when the seas get rough keep repeating those words. Never give up and even when you...
by stemikger
Mon Dec 11, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 8891

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

Stay the Course and Press on Regardless mean more to me than just sticking to an investing plan. Thank you Jack! They basically have become very important as I navigate through life. My life's philosophy. Take one day at a time and when the seas get rough keep repeating those words. Never give up an...
by stemikger
Sat Dec 09, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Anyone try YourMechanic ?
Replies: 38
Views: 5509

Re: Anyone try YourMechanic ?

I think this service would help me. Does anyone know if they operate in New York. Also, I don't have the space to do it at my home. Do they bring your car to a local spot if needed?
by stemikger
Sat Dec 09, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10382

Re: Price of haircut?

I disagree. I used to be a hair stylist and my wife still is. 30 years ago I was an apprentice in several of the top hair salons in New York City and worked in New York (upper west side) for several years after that. You can find an amazing hair cutter/stylist for $20. IMHO charging $140 for a man'...
by stemikger
Wed Dec 06, 2017 6:26 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10382

Re: Price of haircut?

I don't believe that for once I'm on the high end of a Boglehead thread! OK, New York is expensive, but I could find cheaper haircuts. I did, and I decided they weren't worth it. I pay $140 (!!! not a mistake) plus a tip to the student/assistant who does the shampoo. Same price for everyone who sit...
by stemikger
Mon Dec 04, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4842

Re: Best Basic DESKTOP?

I don't know anything about Apple Macs but my 23 year old daughter who is a recent professional bought a pre-owned Mac that looks brand new and she says she loves it. It was under $300 on Amazon through a 3rd party seller. It also comes with warranties. It got her through her Masters Program and it ...
by stemikger
Sun Dec 03, 2017 7:31 am
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 8815

Re: Amount You Need To Save Annually Over Lifespan

$2m is a nice goal for a BH but for average person they will retire on SS and a paid for home, maybe some CD's in the bank. To think you need $2m to retire on misunderstands the situation of 90%+ of people in this country. +1 I agree. I also thinks it hurts even some Boglheads to think they need th...
by stemikger
Sat Dec 02, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 5166

Re: How do I convince my employees to invest more?

navyitaly wrote:
Sat Dec 02, 2017 9:42 am
maybe with such low salaries they can't afford to...
I don't think those salaries are that low. I was maxing out my 401K when I was making $36K. With the right mindset and education, you can find a way to do it.
by stemikger
Fri Dec 01, 2017 11:34 pm
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix the sleep mix or 80/20 mix
Replies: 38
Views: 3539

Re: Is 60/40 mix the sleep mix or 80/20 mix

Whatever gets you through the night. Like others said, if you are in your twenties, I'd go with 80/20 if you are in your fifties, I'd be happy at 60/40. I'm 53 and 60/40 and still working. My plan is to roll it over when I retire and put it in the balanced index fund and keep it there for life. I do...
by stemikger
Fri Dec 01, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Craig Rowland not blogging anymore on Permanent Portfolio.
Replies: 30
Views: 4633

Re: Craig Rowland not blogging anymore on Permanent Portfolio.

I didn't know Craig, but I listened to him on a podcast and he seemed like a really nice guy and was very knowledgeable I wish him well whatever he is doing.
by stemikger
Fri Dec 01, 2017 7:45 am
Forum: Investing - Theory, News & General
Topic: "Diversification: A Reason to Stay the Course With Your High-Quality Bond Fund."
Replies: 21
Views: 3576

Re: "Diversification: A Reason to Stay the Course With Your High-Quality Bond Fund."

Thank you Taylor! These posts by you are very important for many on this forum. They are certainly important to me.

Having Jack Bogle's approval of my strategy is one of the best gifts I recently could have gotten and the reinforcement from you is just as important to Stay the Course.
by stemikger
Fri Dec 01, 2017 1:11 am
Forum: Investing - Theory, News & General
Topic: Ok reasons for a 37 year old to have a 60/40 mix?
Replies: 61
Views: 8595

Re: Ok reasons for a 37 year old to have a 60/40 mix?

OP here. Wanted to add another reason for me to use 60/40. I am trying to visualize the feeling of a major downturn and I think 60/40 would be great. Lately, I think maybe I should be more in equities with the huge run up but I think my personal allocation should be thought out based on bad times n...
by stemikger
Fri Dec 01, 2017 1:01 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10382

Re: Price of haircut?

Free. My wife is a hairdresser.

When she can't get to it, I go to an old school Barber. He charges $15 and I give him a $5 tip.

My wife charges $20 for men.
by stemikger
Fri Dec 01, 2017 12:54 am
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5177

Re: How Do You Stay Current With Popular Music?

When I was a kid in the '60s, I thought it was pretty funny that my parents listened to Frank Sinatra, and couldn't care less about the rock music of the '60s. Now, most of my friends are still stuck in the '60s/'70s, and I am too. I'd like to stay current with rock, blues, folk and jazz, but there...
by stemikger
Thu Nov 30, 2017 1:18 am
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 12011

Re: Bonds Are Riskier Than People Think

I like what the pros at Vanguard say in this video.

https://www.youtube.com/watch?v=rZgN6lVRytg&t=40s
by stemikger
Wed Nov 29, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: I'm worried the Vangaurd Target Retirement 2035 (VTTHX) might be too conservative
Replies: 27
Views: 1805

Re: I'm worried the Vangaurd Target Retirement 2035 (VTTHX) might be too conservative

31 years of age. i know rule of thumb is typically age in bonds, but i think this fund might be slightly too conservative. any thoughts or advice? thanks! I think the more important question you need to ask yourself is how is your risk tolerance during a downturn and if you want a glide path or a s...
by stemikger
Tue Nov 28, 2017 2:21 am
Forum: Investing - Theory, News & General
Topic: CNBC says Vanguard says 70% Chance of "Correction"
Replies: 63
Views: 7859

Re: CNBC says Vanguard says 70% Chance of "Correction"

This is a non-event for a Boglehead who plans to stay the course.

Depending on how big the correction is, I will just rebalance to my current 60/40 in my 401K.

My Balanced Index Fund in my TIRA will do it for me.

Stay the Course and don't look at your accounts too often.
by stemikger
Tue Nov 28, 2017 2:17 am
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9429

Re: What did you do right?

First let me say I think it's cool I'm talking to someone in Japan. My luckiest and smartest move was when I bought my house in 1993 for $134,900. Today I'm still in that house and made a lot of great memories there. The good part is I can sell that same house for $550K. I would probably not be able...
by stemikger
Sun Nov 26, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: The Wolf of Wall Street
Replies: 33
Views: 4547

Re: The Wolf of Wall Street

I thought the movie was funny and over-the-top raunchy. Having said that, after the movie I saw some interviews with him and he is trying so hard to act like a changed man, but you can clearly see he is still a slime ball. Yeah, the link above was an eye opener. He has not paid anything to the vict...
by stemikger
Sat Nov 25, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: The Wolf of Wall Street
Replies: 33
Views: 4547

Re: The Wolf of Wall Street

I thought the movie was funny and over-the-top raunchy. Having said that, after the movie I saw some interviews with him and he is trying so hard to act like a changed man, but you can clearly see he is still a slime ball.
by stemikger
Sat Nov 25, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 5576

Re: Etiquette question: Paying for meals out & out of town guests

You handled it just fine. They're the ones who should have offered. I agree! The way they proposed the idea was it was their way of showing their appreciation to your wife and you for hosting Thanksgiving. What they did was tacky, there is no other word for it. At the very least they should have ta...
by stemikger
Fri Nov 24, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 4908

Re: if you could have only 1 investment firm...

Ron wrote:
Fri Nov 24, 2017 1:21 pm
R U serious?

You are asking this question on a forum dedicated to Vanguard? :oops: ...
I know. Are we being punked!!
by stemikger
Fri Nov 24, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 4447

Re: Replace TVs with Smart Tvs or not?

If you like your plasma TVs, I suggest going with a streaming device. A roku device would allow you to watch netflix on your TVs. If you're an Amazon Prime subscriber, you can watch Amazon prime videos for free on the Roku as well. Apple TV does not yet support Amazon Instant Video. +1 I agree! Sim...
by stemikger
Fri Nov 24, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 148
Views: 16077

Re: Chromebooks- What is the lure?

I love the simplicity of my chromebook and the instant start up of the internet. No programs to load so you have no waiting time.
by stemikger
Wed Nov 22, 2017 12:46 am
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 10564

Re: What are the things you want to do between 55 and 65?

I'm also spending a whole lot of time just "being", and I gotta tell ya, nothing beats it. The joy of being free to read outdoors at the city's library cafe, expanding degrees of fulfillment and satisfaction in my own life, instead of going to some job to solve the problems or agenda of something o...
by stemikger
Mon Nov 20, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14096

Re: Dave Ramsey says don't use credit cards, even if you pay them off

To the OP. I am just like you and I disagree with Dave Ramsey on this. I wrote this before in the past and this is how I feel about Dave. Dave is someone who was a financial alcoholic in his past life. He discovered his version of a 12 step program (where they can no longer take a sip of alcohol bec...
by stemikger
Mon Nov 20, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: What brand of used car - Hyundai vs Nissan?
Replies: 27
Views: 1684

Re: What brand of used car - Hyundai vs Nissan?

I have no experience buying from Hertz, but I bought an 09 Nissan Versa brand new and the car has been wonderful. It currently has 103,000 miles on it and other than maintenance there have been no problems.
by stemikger
Sun Nov 19, 2017 3:11 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 5219

Re: Where did you first learn about investing?

My interest started shortly after I got married 25 years ago. I believe I read a book called Get Rich Slow and then I became obsessed. I started reading everything I could get my hands on when it came to personal finance and investing. The turning point for me was David Bach's book The Automatic Mil...
by stemikger
Sun Nov 19, 2017 6:02 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9407

Re: Thoughts about wearing a "uniform"/same thing everyday?

Posted by Rupert Natural waist pants = "mom jeans." Men used to wear them as well though. Typically the top of natural waist pants will be at or near the belly button, as opposed to at the top of the hip bones or lower. There's a hilarious Saturday Night Live skit about "mom jeans," probably availa...
by stemikger
Fri Nov 17, 2017 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my asset allocation?
Replies: 24
Views: 1649

Re: Thoughts on my asset allocation?

Not bad, but I would go with Taylor Larimore's 3 fund portfolio instead.

https://www.bogleheads.org/wiki/Three-fund_portfolio

I am 53 and go with John Bogle's two fund portfolio (same as the 3 fund without international).

Good Luck!
by stemikger
Thu Nov 16, 2017 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Finance Simplicity
Replies: 36
Views: 2025

Re: Finance Simplicity

Only in the U.S.A. do we have IRA's, Roth IRA's, 401K's, ROTH 401k's, SEP 401K's, Government Retirement accounts, HSA's, and ect. It's almost too much for the average person to split their checks in all these different pots. Has any one just decided to just [(removed) --admin LadyGeek] go simple. 1...
by stemikger
Thu Nov 16, 2017 8:01 am
Forum: Investing - Theory, News & General
Topic: Buffett 90/10 Portfolio vs Target Retirement
Replies: 29
Views: 3397

Re: Buffett 90/10 Portfolio vs Target Retirement

John Bogle also says "Forget the needle, buy the haystack". I see the US as only a part of a larger haystack (the world market). We wouldn't think of only buying stocks from the city or state where we were born or raised. Why buy only stocks from the country in which we were born and raised? Google...
by stemikger
Thu Nov 16, 2017 7:50 am
Forum: Investing - Theory, News & General
Topic: Buffett 90/10 Portfolio vs Target Retirement
Replies: 29
Views: 3397

Re: Buffett 90/10 Portfolio vs Target Retirement

Buffett is donating his BRK stock to the Gates Foundation when he dies. His wife is getting his cash which is $100+ million and he has advised her trustees to invest it 90/10 in the 500 index and cash/bonds. Where did you read she is getting 100+million. I don't believe that has ever been stated to...
by stemikger
Wed Nov 15, 2017 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: How to approximate Vanguard Balanced Index Fund Admiral Shares (VBIAX) with two other Vanguard funds?
Replies: 14
Views: 1374

Re: How to approximate Vanguard Balanced Index Fund Admiral Shares (VBIAX) with two other Vanguard funds?

Christine_NM wrote:
Fri Jun 16, 2017 6:08 pm
nisi -

Balanced Index has never been a fund of funds.
That's what I thought also, but coming from Nisi, I figured I was wrong. lol.
by stemikger
Wed Nov 15, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: ASUS Student Chromebook - thoughts?
Replies: 22
Views: 1229

Re: ASUS Student Chromebook - thoughts?

I owned an ASUS Chromebook and I loved it. If you just want to keep in touch, use e-mail, surf the web, etc. Chromebook's are the way to go. Just know, without internet connection they are useless. I have a PC in my home, but I hardly ever use it. I am on the Chromebook throughout the day. In fact, ...
by stemikger
Tue Nov 14, 2017 1:20 am
Forum: Investing - Theory, News & General
Topic: Buffett 90/10 Portfolio vs Target Retirement
Replies: 29
Views: 3397

Re: Buffett 90/10 Portfolio vs Target Retirement

Keep in mind you have plenty of international exposure holding 90% in S&P 500 since much of the profits of those companies you own is international. Posted by Blackhat Something about not having international diversification makes me uneasy Although I'm in total agreement with eye.surgeon and I mys...
by stemikger
Mon Nov 13, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9407

Re: Thoughts about wearing a "uniform"/same thing everyday?

Posted by Rupert Natural waist pants = "mom jeans." Men used to wear them as well though. Typically the top of natural waist pants will be at or near the belly button, as opposed to at the top of the hip bones or lower. There's a hilarious Saturday Night Live skit about "mom jeans," probably availa...
by stemikger
Mon Nov 13, 2017 8:02 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9407

Re: Thoughts about wearing a "uniform"/same thing everyday?

Funny thread! I typically wear the same thing one day per week. I always think that if someone only came to the office on that day, they would think I only had one pair of clothes. Yesterday, I went to wear brown shirt and khaki shorts but then I felt like the UPS guy so I had to nix that idea. Eas...
by stemikger
Mon Nov 13, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9407

Re: Thoughts about wearing a "uniform"/same thing everyday?

At work they call me Johnny Cash because of my black outfit, but ... I would take this as a massive compliment; no need to explain anything to them. You're the Man in Black. There was a Goth-type guy in our office (all black attire, all the time) who had a very scary nickname. He seemed to like it ...
by stemikger
Mon Nov 13, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9407

Re: Thoughts about wearing a "uniform"/same thing everyday?

f35phixer wrote:
Mon Nov 13, 2017 6:38 am
We had a young engineer working for us, wore the same black pants every day. I gave him the call sign SPEED - Same Pants Every EFFIN day!!! :D
This is what I was a little afraid of. I didn't want people to think I was unhygienic. How do you know he didn't have 5 pairs of the same pants.
by stemikger
Mon Nov 13, 2017 7:32 am
Forum: Investing - Theory, News & General
Topic: Yay, my question was answered by Jack
Replies: 40
Views: 3834

Re: Yay, my question was answered by Jack

I really don't look at the LS funds as fund of fund funds. They simply hold the index funds. That is great, but the Star Fund is a true fund of funds approach. I'm not all that crazy about that idea. Sorry, I’m not sure I follow. What’s the distinction? The LS are simply investing in 4 index funds,...
by stemikger
Sun Nov 12, 2017 6:44 pm
Forum: Investing - Theory, News & General
Topic: Yay, my question was answered by Jack
Replies: 40
Views: 3834

Re: Yay, my question was answered by Jack

I really don't look at the LS funds as fund of fund funds. They simply hold the index funds. That is great, but the Star Fund is a true fund of funds approach. I'm not all that crazy about that idea. Sorry, I’m not sure I follow. What’s the distinction? The LS are simply investing in 4 index funds,...
by stemikger
Sun Nov 12, 2017 9:38 am
Forum: Investing - Theory, News & General
Topic: Another reason why I can't stand Tasty Trade
Replies: 2
Views: 764

Another reason why I can't stand Tasty Trade

I have a small confession, I watch Tasty Trade for my amusement and can't believe they are trying to convert everyday investors to use this method for retirement and creating wealth in general. I dislike them because they are smug and arrogant and talk down to people and actually never get to the po...
by stemikger
Sun Nov 12, 2017 8:26 am
Forum: Investing - Theory, News & General
Topic: Yay, my question was answered by Jack
Replies: 40
Views: 3834

Re: Yay, my question was answered by Jack

And there are several alternatives to the Balanced Index Fund that would also work for those who wish to maintain a 60/40 portfolio at Vanguard: VGSTX STAR Fund VSMGX LifeStrtgy Mod Growth Fund Yes, however you want to roll. I like the plain vanilla simplicity of the balanced, but if I were to go w...
by stemikger
Sun Nov 12, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9407

Re: Thoughts about wearing a "uniform"/same thing everyday?

At work they call me Johnny Cash because of my black outfit, but ... I would take this as a massive compliment; no need to explain anything to them. You're the Man in Black. LOL. I definitely take it as a compliment!! I love him. It even fits me more because I work midnights. Johnny Cash working mi...
by stemikger
Sat Nov 11, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9407

Re: Thoughts about wearing a "uniform"/same thing everyday?

Posted by Veiled being too eccentric I know what you mean. At work they call me Johnny Cash because of my black outfit, but I always make it a point to tell them, you know I change my clothes every day. I work with a fun crew and I joke around a lot with them, but I know some people think it's odd,...
by stemikger
Sat Nov 11, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Yay, my question was answered by Jack
Replies: 40
Views: 3834

Re: Yay, my question was answered by Jack

Bogleheads....I am a little dense. How exactly do you count SS as part of your bond portfolio? I do not doubt that you can, but I am not really sure about how to go about doing that. In my IPS, I have a glide path to a 60/40 allocation by age 62, and then glide to 50/50 by age 67 (my FRA). Ostensib...