Search found 4848 matches

by stemikger
Sat Nov 17, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 79
Views: 7877

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: 61
Views: 4104

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: 2624

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: 96
Views: 12587

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: 2624

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: 6807

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: 2624

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: 8081

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: 1903

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: 2458

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: 5208

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: 6818

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: 7648

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: 2609

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: 3614

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: 4966

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: 4966

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: 4966

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: 4966

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: 4966

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: 4966

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: 4966

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: 1159

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: 4966

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: 4966

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: 4966

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: 4966

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: 11739

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: 3839

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: 3839

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: 1278

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: 6345

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: 6345

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: 8618

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: 5549

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: 9149

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: 753
Views: 75612

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...
by stemikger
Sun Sep 30, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Warren Buffet Portfolio Critique
Replies: 56
Views: 4582

Re: Warren Buffet Portfolio Critique

Thanks for this. I get so frustrated when people who don't know Buffett say this is only advice for his wife. I guess one of those would be me. :happy I agree that this quote from the stockholders letter linked above is clearly general advice for people to invest in the 500 index. "The goal of the ...
by stemikger
Sun Sep 30, 2018 6:47 am
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 129
Views: 14994

Re: Should we stay in Crazytown because there's no where to run?

Charlie Munger once said in an interview that he has seen Berkshire stock go from top tick to bottom tick down by 50%. He also said ask me how much it bothered him. Zero. He said it was a non-event all three times. This is how a brilliant man and investor thinks about investing because he knows that...
by stemikger
Sun Sep 30, 2018 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Warren Buffet Portfolio Critique
Replies: 56
Views: 4582

Re: Warren Buffet Portfolio Critique

Buffett has addressed this question in the Q&A portion of his shareholder meetings before, so the answers to some of the questions are: Yes, he means this as general advice. He says that for "know-nothing" investors (people who are not trying to actively pick stocks), picking a diversified U.S. ind...
by stemikger
Sat Sep 29, 2018 3:56 pm
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 129
Views: 14994

Re: Should we stay in Crazytown because there's no where to run?

Beginner investors have trouble staying the course in a market downturn. Intermediate investors have trouble staying the course in a prolonged bull market. Successful investors always stay the course with a reasonable plan designed for them. Yes, by staying invested I will get hammered in the next ...
by stemikger
Sat Sep 29, 2018 4:57 am
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 10392

Re: Moneytalk with Bob Brinker coming to an end

I guess he reached critical mass. I never really listened to him, but know of him. Good Luck to Bob!
by stemikger
Fri Sep 28, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Warren Buffet Portfolio Critique
Replies: 56
Views: 4582

Re: Warren Buffet Portfolio Critique

According to "the Google", Warren Buffett is worth about $86b or $87b. Let's make it conservative & say $80b. So his legacy to his wife (assuming no inheritance taxes) would be $8.0b Treasuries/$72.0b stocks. I believe his wife is about 72 years old now. I guess she would be able to survive on $8.0...
by stemikger
Fri Sep 28, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4406

Re: Anyone ever tired of managing hair and consider shaving to go bald

instead of bald, what about buzzing it on a low number? or what about just growing out your hair? Both are easy and lazy When someone considers going bald even without them saying so, I know 95% of the time they can't grow their hair. Male pattern baldness... (unless you have some psychotic breakdo...
by stemikger
Fri Sep 28, 2018 6:48 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4406

Re: Anyone ever tired of managing hair and consider shaving to go bald

I have been considering it now and then, but the fear or social stigma especially in the work place is keeping me away from doing it. Not to speak of unspeakable horrors at home from my spouse and kids. But, I want to feel free sometimes of the hair, and at least for once try it. Has anyone else tr...
by stemikger
Fri Sep 28, 2018 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Car broker
Replies: 27
Views: 2485

Re: Car broker

We're going to buy a new SUV pretty soon. We'd driven a fair selection of compact SUV's when a friend at my gym told me about a "car broker" he's used twice. I called the broker, got a few references, and they all revved about the car buying service provided. It sounds like this service might save ...
by stemikger
Fri Sep 28, 2018 3:06 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 54
Views: 6195

Re: Warren Buffett Books

My favorite is How Buffett Does It: 24 Simple Investing Strategies from the World's Greatest Value Investor
Book by James Pardoe
by stemikger
Fri Sep 28, 2018 2:32 am
Forum: Investing - Help with Personal Investments
Topic: Warren Buffet Portfolio Critique
Replies: 56
Views: 4582

Re: Warren Buffet Portfolio Critique

According to "the Google", Warren Buffett is worth about $86b or $87b. Let's make it conservative & say $80b. So his legacy to his wife (assuming no inheritance taxes) would be $8.0b Treasuries/$72.0b stocks. I believe his wife is about 72 years old now. I guess she would be able to survive on $8.0...
by stemikger
Fri Sep 28, 2018 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Warren Buffet Portfolio Critique
Replies: 56
Views: 4582

Re: Warren Buffet Portfolio Critique

Like others said, it is basically a two fund portfolio. I'm sure it will beat more conservative asset allocations in the long term, but you have to have the stomach for it. I personally do not, so I will hold my one fund portfolio (as per Jack's suggestion) the Vanguard Balanced Index Fund helps me ...
by stemikger
Wed Sep 26, 2018 2:28 am
Forum: Investing - Theory, News & General
Topic: Other Portfolios that aren't 3 fund
Replies: 31
Views: 3424

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!!