Search found 4861 matches

by stemikger
Tue Jan 22, 2019 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in only 3 target funds just seems.... strange.
Replies: 13
Views: 1265

Re: Investing in only 3 target funds just seems.... strange.

Always choose simplicity. Jack has taught this his entire life, don't let him down. He devoted his life up until his last days with his message so all our lives could be easier not harder when it comes to investing. I for one might be one of those who took it to the extreme, but it is what keeps me ...
by stemikger
Mon Jan 21, 2019 3:09 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 120
Views: 10756

Re: Tributes to Jack Bogle

His quotes are so well know, like Stay the Course and Press on Regardless. Those two are my personal favorites. Below is what I read when I feel my self straying from said course. The simplest of all approaches is to invest solely in a single balanced market index fund -- just one fund. And it works...
by stemikger
Mon Dec 24, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation
Replies: 13
Views: 1394

Re: Asset allocation

I think it is fine. 60/40 is the sweet spot for many. Mine too!! Oh and it has Jack Bogle's blessing also!!
by stemikger
Sun Dec 23, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)
Replies: 21
Views: 1845

Re: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)

My daughter wants to go to grad school to become a therapist, and she's explaining to me that she has two degree options: Masters in Counseling and Masters in Social Work. We live in Massachusetts, and she wants to live and work here after graduation. She is leaning toward the Masters in Counseling...
by stemikger
Sun Dec 23, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Current allocation is 100% stocks- any good reason to change?
Replies: 71
Views: 5805

Re: Current allocation is 100% stocks- any good reason to change?

I didn't read the other replies yet, but adding 10% in bonds will not be a deal breaker and maybe help you sleep better. After 25 years of investing for retirement, it took me a long time to stop second guessing myself and pick an AA and stay with it. For what it's worth John Bogle has said never al...
by stemikger
Sat Dec 22, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: suggest 50/50 portfolio
Replies: 21
Views: 2461

Re: suggest 50/50 portfolio

I'm 53 and will turn 54 in June and I'm all in the Vanguard Balanced Index Fund for life. Don't even have to look at it during these trying times because Vanguard does the rebalancing for me.
by stemikger
Sat Dec 22, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 175
Views: 11874

Re: All the "should I be 100% stocks" threads over the last year.

If you are inclined to be 100% stocks the market dropping should not matter. Having said that, there are some people who should not invest in stocks because they can't handle the volatility. However, if you are a real investor and don't care about what happens in the short term, you will be rewarded...
by stemikger
Fri Dec 21, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9767

Re: When did the musicians on the titanic realize their fate?

I'm proud that I let myself learn and now consider myself a seasoned index investor which is why I have the proper temperament and asset allocation in place to just sit back and ignore the ups and downs of the market. If it ever gets as bad as you alluded to, it will not matter if you have stocks or...
by stemikger
Wed Dec 19, 2018 6:51 pm
Forum: Investing - Theory, News & General
Topic: Why did you decide to change your asset allocation?
Replies: 45
Views: 1986

Re: Why did you decide to change your asset allocation?

I jumped around for a while and finally got sick of doing that, it was driving me crazy. I settled for the one fund portfolio and put it all in the Vanguard Balanced Index Fund. The main reason I went that route because my wife doesn't really show any interest in this stuff and if I predecease her, ...
by stemikger
Sat Dec 15, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 190
Views: 14502

Re: OBAMACARE RULED ILLEGAL BY TEXAS COURT

This is unfortunate I know several people that use Obamacare in New York and they like it. I believe there is a big push in New York to move to single payer also.
by stemikger
Wed Nov 28, 2018 12:19 am
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 220
Views: 14351

Re: What is your allocation to U.S. and International?

Balanced Index Fund
0% international
by stemikger
Sat Nov 17, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 82
Views: 8552

Re: Do I need an Amazon Echo??.....

QVC is selling the full size Amazon Echo for $74.95 and free shipping. That's an amazing price but do I need one? The short answer is no, but here is what I have experienced. I have 3 in my house and the more you use it, the more you realize what a great addition to your house it is. Just for the m...
by stemikger
Sat Nov 17, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 15625

Re: If riskier than US, why doesn't international outperform?

I guess Jack was onto something. I don't hold international, however, I advised my 23 year old daughter to simply put it all the Vanguard Target Date Fund which was one of her 401k options. She has many years to invest, so I don't know what the future will look like that far out, so for her I think ...
by stemikger
Wed Nov 14, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 2840

Re: why so few 50/50 balanced funds?

The difference between 60/40 and 50/50 doesn't amount to a hill of beans Not in this crazy world. It may be a huge psychological difference, but having 10% more in stocks in your portfolio will not make a difference in returns if you are a long term investor. Now if you said you want to hold 90/10 ...
by stemikger
Wed Nov 14, 2018 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19914

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

If there is one message I want you to listen to it's this. I said STAY THE COURSE thousands of times and I meant it every time. ~ John Bogle
by stemikger
Wed Nov 14, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 2840

Re: why so few 50/50 balanced funds?

The difference between 60/40 and 50/50 doesn't amount to a hill of beans Not in this crazy world. It may be a huge psychological difference, but having 10% more in stocks in your portfolio will not make a difference in returns if you are a long term investor. Now if you said you want to hold 90/10 ...
by stemikger
Wed Nov 14, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7341

Re: Are you all staying the course?

Yep. Haven't even looked at my one fund portfolio. All in the balanced index.
by stemikger
Tue Nov 13, 2018 12:15 am
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 2840

Re: why so few 50/50 balanced funds?

The difference between 60/40 and 50/50 doesn't amount to a hill of beans
by stemikger
Mon Nov 12, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8312

Re: What's everyone currently in?

All in the vanguard balanced index fund. I didn't change a thing nor should I.
by stemikger
Sun Nov 11, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: SWAN ETF - 10% Leaps / 90% Treasuries
Replies: 24
Views: 2089

Re: SWAN ETF - 10% Leaps / 90% Treasuries

This breaks one of the main golden rules of being a Bogehead which IMHO is Simplicity!

Forget all this and find an AA you can live with and stick with it through thick and thin!! That's as much as a SWAN portfolio you are going to get.
by stemikger
Fri Nov 09, 2018 12:15 am
Forum: Investing - Theory, News & General
Topic: Stock markets not at all time highs
Replies: 19
Views: 2550

Re: Stock markets not at all time highs

All in the balanced index. All U.S. and rebalances without me
by stemikger
Sun Nov 04, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: Brett Arends: Here's a simple way to beat a bear market
Replies: 38
Views: 5306

Re: Brett Arends: Here's a simple way to beat a bear market

Better strategy: "sell down to your sleeping point" and stay there . If you have just discovered that your stock allocation is too high for your risk tolerance, then cut your stock allocation. But now that you know what your risk tolerance really is, don't go back to having more risk than you can t...
by stemikger
Mon Oct 29, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 6913

Re: 401k down 8% this month

I know a lot of people don't like Jack's advice, but it works for me.

Don't Peek!

And another classic: Stop looking at the Silly Stock Market. It's a distraction to the business of Investing.
by stemikger
Wed Oct 24, 2018 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7781

Re: Reaction to Market

It was a non-event. I didn't even look at my portfolio yet.

I'm all in the balanced index fund, so I let Vanguard do all the heavy lifting and rebalance to 60/40. Didn't even have to get off the couch.
by stemikger
Wed Oct 24, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: Changing to higher equities allocation during a major crash?
Replies: 26
Views: 2662

Re: Changing to higher equities allocation during a major crash?

With my entire portfolio in the balanced index fund I never have to worry. I'll always be
60/40. I sleep through corrections.
by stemikger
Mon Oct 15, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2018 VIDEOS
Replies: 22
Views: 3764

Re: BOGLEHEADS 2018 VIDEOS

Thank you for sharing this with us!
by stemikger
Tue Oct 09, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 5059

Re: You know you’re a Boglehead when. . .

I just had to put this recent event that happened to me in my life. After 23 years at the same company, they outsourced several departments (including mine). The good news is I was hired by the outsourcing firm, but in 6 months will get a salary cut which I can live with. While most of my co-worker...
by stemikger
Tue Oct 09, 2018 1:03 am
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 5059

Re: You know you’re a Boglehead when. . .

The good news is I was hired by the outsourcing firm, but in 6 months will get a salary cut which I can live with. While most of my co-workers were angry, sad and even in tears,..... That sort of reminds me of an old fabel. A man is sentenced to die by the king. As the verdict is announced, the man...
by stemikger
Mon Oct 08, 2018 11:42 pm
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 5059

Re: You know you’re a Boglehead when. . .

I just had to put this recent event that happened to me in my life. After 23 years at the same company, they outsourced several departments (including mine). The good news is I was hired by the outsourcing firm, but in 6 months will get a salary cut which I can live with. While most of my co-worker...
by stemikger
Mon Oct 08, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 5059

Re: You know you’re a Boglehead when. . .

I just had to put this recent event that happened to me in my life. After 23 years at the same company, they outsourced several departments (including mine). The good news is I was hired by the outsourcing firm, but in 6 months will get a salary cut which I can live with. While most of my co-worker...
by stemikger
Mon Oct 08, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 5059

Re: You know you’re a Boglehead when. . .

@OP - OK. When you put it that way, it makes more sense. I get it, and I retract my earlier statement. (But I'm not going to delete it, because then the thread gets confusing.) And I apologize for acting like a sphincter muscle. No worries! I did get a chuckle with the sphincter muscle line. lol. :...
by stemikger
Mon Oct 08, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 5059

Re: You know you’re a Boglehead when. . .

Stemikger, I love your attitude, reminds of and old quote I read years ago... ATTITUDE by: Charles Swindoll The longer I live, the more I realize the impact of attitude on life. Attitude, to me, is more important than facts. It is more important than the past, than education, than money, than circu...
by stemikger
Mon Oct 08, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 5059

Re: You know you’re a Boglehead when. . .

...in 6 months will get a salary cut....I was kind of happy because I was able to roll-over my 401K in the Balanced Index Fund in Vanguard. At the risk of sounding like a sphincter muscle.... You took a pay cut, but now you get to reduce your investment costs. And this makes you happy? If I may par...
by stemikger
Sun Oct 07, 2018 2:54 pm
Forum: Investing - Theory, News & General
Topic: What part of your investment philosophy was "Inspired by Jack Bogle"?
Replies: 27
Views: 1225

Re: What part of your investment philosophy was "Inspired by Jack Bogle"?

For me, it's everything. My entire investment philosophy is based on Jack's "Little Book of Common Sense Investing" and the Bogleheads investment philosophy . After 20 years of investing and making many mistakes along the way I have embraced Simplicity . With each year that passes I become more con...
by stemikger
Sun Oct 07, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 5059

Re: You know your a Boglehead when. . .

mortfree wrote:
Sun Oct 07, 2018 8:17 am
*you’re

#BHfail
LOL. It was early. I fixed it. lol.
by stemikger
Sun Oct 07, 2018 8:16 am
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 5059

Re: You know your a Boglehead when. . .

Thanks everyone for the positive feedback!

Steve G.
by stemikger
Sun Oct 07, 2018 8:13 am
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 5059

Re: You know your a Boglehead when. . .

More evidence in support of international equity investing, maybe? Glad you're able to work through this economic setback and stay the course. :beer LOL. No still staying the course with my all U.S. balanced fund. It's like the old reliable car that has some dents but keeps on getting you to your d...
by stemikger
Sun Oct 07, 2018 6:43 am
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 5059

You know you’re a Boglehead when. . .

I just had to put this recent event that happened to me in my life. After 23 years at the same company, they outsourced several departments (including mine). The good news is I was hired by the outsourcing firm, but in 6 months will get a salary cut which I can live with. While most of my co-workers...
by stemikger
Sun Oct 07, 2018 6:40 am
Forum: Investing - Theory, News & General
Topic: “It’s probably wise to sell to the sleeping point.” - Jack Bogle
Replies: 83
Views: 11907

Re: “It’s probably wise to sell to the sleeping point.” - Jack Bogle

My SWAN AA is the Vanguard Balanced Index Fund. I'm there, no need to do anything.
by stemikger
Sat Oct 06, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 4019

Re: Tackling Disney World - Discount on tickets?

I would not even go. Looks like it would be very expensive. Are your kids asking about it? How would they even know at that age. There are a lot of other things to do in Florida. The beach. Local attractions. Maybe glass bottom boat. At 3 and 6 you will be setting a precedent. That is young enough ...
by stemikger
Sat Oct 06, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 4019

Re: Tackling Disney World - Discount on tickets?

Disney is expensive. If you’re going to go, you just have to accept that. If you’re trying to minimize costs, you are probably going to end up miserable. And the whole point of Disney is to have a good time. When we go, it’s usually for about seven days and we stay on Disney property. +1 IMHO you r...
by stemikger
Fri Oct 05, 2018 1:30 am
Forum: Investing - Help with Personal Investments
Topic: Where to park 40k?
Replies: 9
Views: 1311

Re: Where to park 40k?

Why are you waiting? Is it because you feel the market is too high? Do you know your risk tolerance or asset allocation? I rather just do a direct rollover to an IRA.
by stemikger
Thu Oct 04, 2018 7:20 am
Forum: Investing - Theory, News & General
Topic: [CNBC article: Don't expect to retire at 70]
Replies: 60
Views: 6493

Re: [CNBC article: Don't expect to retire at 70]

I find the whole idea of working till age 70 unrealistic for the majority of the population. Just because you are alive at 70, does not mean you will be "able" or be "allowed" to work at age 70. burt I agree. Most people get let go, outsourced, laid off, call it what you want before 70. My company ...
by stemikger
Thu Oct 04, 2018 5:38 am
Forum: Investing - Theory, News & General
Topic: [CNBC article: Don't expect to retire at 70]
Replies: 60
Views: 6493

Re: [CNBC article: Don't expect to retire at 70]

I'm bumping this for the article. I will read it later. Having said that, if it wasn't for David Bach, I would not be where I am today. His book The Automatic Millionaire is the one that got me started on this journey and after that I met Jack Bogle and the rest is history. David later did write boo...
by stemikger
Wed Oct 03, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 75
Views: 9035

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

I only bought expensive shoes twice in my life and they didn't last long. In both cases, they ended up with holes.

The less expensive pairs I buy still look good and last a long longer. When they are done, I just throw them out. I pay anywhere from $40 to $70 for my shoes.
by stemikger
Wed Oct 03, 2018 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund Lovers?
Replies: 46
Views: 5844

Re: Vanguard Balanced Index Fund Lovers?

I'm all in the Vanguard Balanced Index Fund. No need to complicate things. I'm 54 and will hold this for life. IMHO investing doesn't get much better than that. If it's good enough for Jack's grandchildren it's good enough for me. This approach has Jack's blessing because I asked if there was anythi...
by stemikger
Mon Oct 01, 2018 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: My biggest mistake - market timing
Replies: 62
Views: 9785

Re: My biggest mistake - market timing

To the OP: Resist the temptaiton with 3 fund portoflios, etc. I would invest in a 60/40 portfolio and you'll be ok. Although you missed a 40% runup, it could end in a year and be down. I think a 60/40 folio keeps jitters away. Think about vanguard balanced index, or lifestrategy moderate growth. Se...
by stemikger
Sun Sep 30, 2018 9:33 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 798
Views: 81795

NEW Fidelity® ZERO Large Cap Index Fund (FNILX)

[Thread merged into here, see below. --admin LadyGeek] NEW Fidelity® ZERO Large Cap Index Fund (FNILX) Seeks to provide investment results that correspond to the total return of a broad range of large-capitalization U.S. companies. There is a 0% expense ratio and no minimums to invest in FNILX. For...