Search found 4778 matches

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: 540
Views: 31643

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: 24
Views: 1365

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: 540
Views: 31643

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: 540
Views: 31643

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: 540
Views: 31643

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: 540
Views: 31643

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: 540
Views: 31643

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: 1053

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: 114
Views: 6090

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: 2190

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: 3643

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: 6439

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: 9734

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: 18041

Re: Death Book

Thanks!
by stemikger
Thu Jul 12, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 15071

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: 7382

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: 359
Views: 15071

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: 4633

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: 206
Views: 33329

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: 22921

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: 4067

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: 1518

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: 206
Views: 33329

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: 206
Views: 33329

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: 8163

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: 8163

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: 14077

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: 3130

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: 3130

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: 3130

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: 12660

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: 2947

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: 8163

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: 8163

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: 1935

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: 1935

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: 3173

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: 856

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: 8163

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: 856

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: 630

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: 774
Views: 83097

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: 2471

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: 3958

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: 3958

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: 3958

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: 3958

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: 4638

Re: 60/40 or 40/60?

50/50 and you'd have something in common with Jack Bogle.