Search found 134 matches

by wesgreen
Sun Aug 20, 2017 11:08 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13359

Re: I own no international stocks. Can you guess why?

I wish I had followed that path many years ago. It always seems a little strange to me why so many people who seem to think Jack Bogle and Taylor Larimore are wrong, or not that smart, insist on posting on this website called Bogleheads. But it does stimulate lively discussion, which is a good thing.
by wesgreen
Sun Jul 23, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Medicaid Article
Replies: 16
Views: 2609

Re: NYT Medicaid Article

That must be a nice bubble you live in!
by wesgreen
Sun Apr 09, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Lower income investing
Replies: 14
Views: 1300

Re: Lower income investing

Well, I think you found the right place and are on the right path. Read the Wiki first, then read it once more. At that point you'll know what to do. The forums are just icing on the cake.
by wesgreen
Fri Mar 10, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Form
Replies: 12
Views: 1160

Re: Turbo Tax Form

What livesoft said worked for me this year with TT online, before I paid.
by wesgreen
Sun Feb 05, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 52
Views: 3591

Re: ringplus mobile premium plans - what is your experience?

FP have a new ATT sim for $1.99 that should work better. I just transferred a LG Tribute HD over to FP from Ring+ (cost: $20) , and VOIP calls are crystal clear, probably because it gets 4G data speed. Ymmv.
by wesgreen
Tue Jan 10, 2017 9:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard International Index Returns
Replies: 20
Views: 3247

Re: Vanguard International Index Returns

Phineas, thank you very much for your perspective and the links. I guess I do suffer from recency bias, if losing to TSM for 20 years (and counting) is just a short blip in your investing career. Definitely from loss aversion! It wasn't a huge mistake, but an unnecessary one, especially for a Bogleh...
by wesgreen
Mon Jan 09, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard International Index Returns
Replies: 20
Views: 3247

Re: Vanguard International Index Returns

My investing horizon hopefully extends another 30 or 35 years, if I get very lucky. I don't think my retirement portfolio will recover from the losses my international allocation has amassed, compared to the Total US part. Ignoring Mr.Bogle's advice on this may be my biggest investing mistake so far...
by wesgreen
Sun Jan 08, 2017 8:52 pm
Forum: Investing - Theory, News & General
Topic: Bogle worried Vanguard is getting too big
Replies: 68
Views: 13288

Re: Bogle worried Vanguard is getting too big

Munir wrote: I don't want nor need any changes, and prefer the lowest cost service. In fact, that's why I chose Vanguard.

Well said, likewise here.
by wesgreen
Thu Jan 05, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1842
Views: 1105635

Re: The Three-Fund Portfolio

Very useful. Thank you both!
by wesgreen
Sun Dec 18, 2016 8:07 pm
Forum: Personal Consumer Issues
Topic: Recommendations for learning yoga, meditation
Replies: 7
Views: 1041

Re: Recommendations for learning yoga, meditation

Congrats and best of luck on your search. I think being healthy and feeling energetic should help with finding enlightenment. I love some of the free Yoga android apps which get me motivated to exercise every morning now. One is called "Yoga Daily Workout". Every time a bell rings, you mov...
by wesgreen
Sat Dec 10, 2016 7:25 pm
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult? 8 Month Update
Replies: 164
Views: 18669

Re: Learning an instrument as an adult?

Unlike investing, this is a field where you get out about as much as you put in. You have to enjoy the growth process, even when it's slow. Remember - no one musician has it all together.
by wesgreen
Mon Oct 10, 2016 10:53 pm
Forum: Personal Consumer Issues
Topic: Best budget Waterpik?
Replies: 13
Views: 1537

Re: Best budget Waterpik?

Well, I'm grateful. I think I'll get one.
by wesgreen
Sat Sep 10, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 28116

Re: How much is your cell phone bill?

Google Voice as my main #, through Ring Plus, with FreedomPop as backup 3 lines, 1 GSM phone with 2 FreedomPop global sims for $0.99 each Each line has a different plan, depends on what promotion is available during sign up Voice: 4000 minutes, 200 free international mins. Text: 4000 Data: 6.5 gb (1...
by wesgreen
Sat Aug 27, 2016 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Is anyone using a free cell phone service provider?
Replies: 21
Views: 3518

Re: Is anyone using a free cell phone service provider?

Satisfied Ringplus user for about 18 months. FreedomPop (2 Global Sims with free monthly service for $0.99 each) as backup. The startup cost for Ringplus accounts has gone up with new restrictions on byod phones imposed by Sprint, but it's still a great deal. I get about 3000 mins./7GB free per mont...
by wesgreen
Thu Aug 18, 2016 1:36 pm
Forum: Investing - Theory, News & General
Topic: The annuity puzzle, and a suggestion
Replies: 108
Views: 8982

Re: The annuity puzzle, and a suggestion

Phil YES, there is. When a new insurer takes over the don't have to owner the terms if they show the rate was "too high" and they can lower it then I would ONLY buy annuities therefore from the HIGHEST rated companies. This is a Pascal's Wager type bet where the cost of being wrong is too...
by wesgreen
Sun Jul 31, 2016 8:11 pm
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 353
Views: 56598

Re: Decided to try timing the market. 100% short on 9/17/15

I just don't understand the temptation, when Mr.Bogle's strategy pretty much guarantees success in the long run, and at the same time allows you to spend your time and energy on far more interesting and important things than stocks.
by wesgreen
Sun Jun 19, 2016 4:54 pm
Forum: Personal Consumer Issues
Topic: I hate cell phones [battery problems]
Replies: 17
Views: 2198

Re: I hate cell phones [battery problems]

I like cheap LG phones that can be easily rooted. Then I install Greenify (the free app). I also take an all black photo with the camera, and install it as background - no need to illuminate the world. I've never ever run out of battery, not even on transatlantic travel.
by wesgreen
Wed Apr 20, 2016 7:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3952
Views: 1040179

Re: U.S. stocks in freefall

broadstone, I would suggest following Homer J's advice. If you're late to the party (I know the feeling) you really can't afford to play games. You have to be cold and effective, and go by the odds, not emotions or hunches. And stay the course. Not easy, but simple. And then send him a birthday card...
by wesgreen
Sun Apr 17, 2016 4:13 pm
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 7044

Re: A Month in Manhattan

Someone mentioned Grant's Tomb - In July or August: free Jazzmobile jazz concerts at 7 pm every week day. Wednesdays at Grant's Tomb, Fridays in Marcus Garvey Park, aso. Listen to jazz in the company of people who actually understand or even helped create it. Only in NY/America... Take a blanket or ...
by wesgreen
Sun Apr 17, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 7044

Re: A Month in Manhattan

Shakespeare in the Park. Isamo Noguchi museum and Socrates Sculpture Park (next to each other) on the East River. Snug Harbor Cultural Center in Staten Island (free ferry ride from South Ferry, then a short city bus ride). Governor's Island - free bike rental in the am. Before walking the Highline, ...
by wesgreen
Thu Apr 14, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: My current bicycle tour in Italy
Replies: 39
Views: 4968

Re: My current bicycle tour in Italy

Thanks for this thread, Raybo. Keep them coming. I'm dreaming of a boglehead bicycling sub - forum someday. Have a happy trip!
by wesgreen
Sun Apr 03, 2016 9:01 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle and Global Corruption Crackdown
Replies: 32
Views: 5063

Re: Mr. Bogle and Global Corruption Crackdown

I share your concern. I probably should have listened to Mr.Bogle and ignored Vanguard and others. He's usually right. I'm hoping to get my 25% international down to 20% with new money, without selling any of it. It's in my Roth, so I plan on just ignoring it for as long as possible, without adding ...
by wesgreen
Tue Mar 29, 2016 4:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 53
Views: 10103

Re: Where is YDNAL?

That's good to hear, thanks!
by wesgreen
Mon Mar 28, 2016 8:44 pm
Forum: Investing - Theory, News & General
Topic: Anyone else feeling a correction brewing?
Replies: 60
Views: 7581

Re: Anyone else feeling a correction brewing?

Always. I hope we'll all be ready to do nothing about it when it hits. My personal strategy is 100% stocks, and being too lazy to log into Vanguard to look.
by wesgreen
Sun Mar 27, 2016 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Why have more than 20% in bonds?
Replies: 37
Views: 4667

Re: Why have more than 20% in bonds?

According to what I find on firecalc, over 30 years, with a 4% inflation adjusted withdrawal rate, the difference in the success rate between portfolios with 20% and 40% bonds has been less than 1%, 94.8% and 95.7%. With a 3.5% inflation adjusted withdrawal rate, the difference in the success rate b...
by wesgreen
Sun Mar 13, 2016 10:41 pm
Forum: Investing - Theory, News & General
Topic: Less is more [Vanguard blog - 2% economic growth prediction]
Replies: 41
Views: 6105

Re: Less is more [Vanguard blog - 2% economic growth prediction]

These forecasters always remind me of the weather report - a pessimistic forecast causes fewer complaints and problems when it turns out to be wrong.
Someone recommended: "Stay flexible, my friends". That seems actually useful and actionable, in more ways than one.
by wesgreen
Fri Feb 12, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Freeze Veggies for Stir-Fry?
Replies: 8
Views: 1091

Re: Freeze Veggies for Stir-Fry?

I didn't think I'd ever post anything about cooking, but since you asked... An amazingly tasty and healthy not-too-complicated and even cheap way I devised to eat vegetables is to roughly chop up a mix up fresh ones (broccoli, carrots, onions, peppers, whatever), add some (just a spoonful or 2 of) ...
by wesgreen
Thu Feb 11, 2016 3:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3952
Views: 1040179

Re: U.S. stocks in freefall

These are the times when we earn it (our "fair share of what the market earns"). Staying the course. At least, there's no heavy lifting required. And, not having bonds or much cash, I don't even have to worry about rebalancing - phew!
by wesgreen
Mon Feb 08, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: Traveling in Retirement
Replies: 57
Views: 5732

Re: Traveling in Retirement

So what do we do? We have a camper and take long weekend and spring break trips to parks around Texas and the Southwest (New Mexico, Arkansas, and the Florida Gulf Coast). But even that is getting more of a trial with sullen grumpy teenagers who would rather be in a 4-star hotel than cramped in wit...
by wesgreen
Sat Feb 06, 2016 10:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3952
Views: 1040179

Re: U.S. stocks in freefall

"You shouldn't buy an index fund because you think it's a hot performer. Buy it because you're going to hold it forever," Bogle recently told Money magazine.
by wesgreen
Fri Jan 29, 2016 9:52 pm
Forum: Personal Consumer Issues
Topic: Buying Carpet and Painting
Replies: 32
Views: 3105

Re: Buying Carpet and Painting

Dang-it, I meant check out voc - free paint, not cfc - free.
by wesgreen
Wed Jan 27, 2016 9:09 pm
Forum: Personal Consumer Issues
Topic: Buying Carpet and Painting
Replies: 32
Views: 3105

Re: Buying Carpet and Painting

Check out cfc-free paint. Good for you.
by wesgreen
Wed Jan 27, 2016 7:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3952
Views: 1040179

Re: U.S. stocks in freefall

The buy-and-hold investor need not contend with just the "fear factor," wesgreen, but actual *risk* as the market can remain low longer than the buy-and-hold investor can remain solvent. And that risk is higher the shorter one's duration of savings. (Addressing the risk requires recognizin...
by wesgreen
Tue Jan 26, 2016 5:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3952
Views: 1040179

Re: U.S. stocks in freefall

Maybe this stat is influenced by the many cases when investors don't stay the course and fiddle around. Then the clock probably resets? Anyway, holding stocks past age 65 seems crucial to me. I think a study of bogleheads might come up with different results.
by wesgreen
Mon Jan 25, 2016 9:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 53
Views: 10103

Re: Where is YDNAL?

I miss YDNAL and sscritic as well. I realize rules need to be followed, but would it be possible to reinstate sscritic on parole/probation at some point?
by wesgreen
Mon Jan 25, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3952
Views: 1040179

Re: Stay-they-course

"Some Bogleheads do believe everything will work out great if simply stay-the-course." Wesgreen: It took awhile for me to understand, but "stay-the-course" has worked beautifully for me at age 92. Best wishes Taylor I know. Thank you for the inspiration. Couldn't have done it wi...
by wesgreen
Mon Jan 25, 2016 10:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3952
Views: 1040179

Re: U.S. stocks in freefall

Thank you for this, James22. Interesting way of looking at things, but maybe too complicated for my pea brain to really get the point. How would you say has this influenced your investing? "Some Bogleheads do believe everything will work out great if simply stay-the-course." Guilty as char...
by wesgreen
Sun Jan 24, 2016 6:54 pm
Forum: Investing - Theory, News & General
Topic: Why Bogle?
Replies: 36
Views: 4106

Re: Why Bogle?

I've been reading about investing for over 30 years and have not come across anyone, or any strategy, that makes more sense to me (or is a better fit for my circumstances - selfemployed musician, not much interest in finance or owning stuff, comparatively low income and expenses, need to selfinsure ...
by wesgreen
Fri Jan 22, 2016 9:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3952
Views: 1040179

Re: U.S. stocks in freefall

Please, let us in on the strategy that "necessarily works" The point is that long-term buy and hold of stock market indices sometimes works and sometimes it doesn't, even over very long periods of time such as 16 years. There is a widespread belief here that if you "stay the course&q...
by wesgreen
Thu Jan 21, 2016 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 80
Views: 7310

Re: Going from 50/50 US/Int to All US

Don't sell anything, just stop adding to international and keep adding to domestic with new money. Slowly your AA will be getting closer to Bogle's ideal, but you won't be selling low. Over the long term, I think that would be the most profitable strategy.
by wesgreen
Sat Jan 09, 2016 9:26 pm
Forum: Investing - Theory, News & General
Topic: Has it been a crash every 7-10 years?
Replies: 22
Views: 3756

Re: Has it been a crash every 7-10 years?

Hi Bushido, I'm glad you found this site! Take full advantage of it and read the WIKI before making big decisions. You'll see that crashes don't affect Bogleheads as badly as other investors. You'll be in great shape.
by wesgreen
Sat Jan 09, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 111
Views: 20839

Re: Tough Frugal Decisions

As livesoft wrote, not being able to fly to see loved ones as often as you would like is tough. I've lived on nickels and dimes all my life, and have had a great time doing it (it suits my view of life, and it's not very difficult as long as you're lucky enough to be healthy). Not having much to giv...
by wesgreen
Fri Jan 01, 2016 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: A dead year, never get it back
Replies: 90
Views: 11896

Re: A dead year, never get it back

You're right, not a great year - for me also (100% stocks). Don't even care to calculate how much I'm down exactly, but it cheers me up to remember that for Bogleheads, single years don't have much significance. And I actually do expect to get it back someday. If I didn't think I'll have the patienc...
by wesgreen
Thu Dec 31, 2015 10:56 am
Forum: Investing - Theory, News & General
Topic: 100% Stocks vs. Bonds & Stocks?
Replies: 51
Views: 5907

Re: 100% Stocks vs. Bonds & Stocks?

Stocks do not present the only uncertainly in life: Stock losses are frequently correlated with job losses. The fear of losing one's job in the midst of a significant stock market decline may make even the most agressive equity investor sell at the worst possible time, so owning bonds can cushion a...
by wesgreen
Sun Dec 20, 2015 10:33 pm
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 36
Views: 7338

Re: True cost of a [dental] implant

I've read that the success rate for bone grafts, which many need to make an implant possible, is only around 60%.
by wesgreen
Fri Dec 11, 2015 9:08 pm
Forum: Personal Consumer Issues
Topic: 10 Best Guitar Finger Style Tunes
Replies: 19
Views: 2215

Re: 10 Best Guitar Finger Style Tunes

"Here comes the Sun" by George Harrison. Anything by Curtis Mayfield or Cornell Dupree, although that's a different finger style.
by wesgreen
Sun Nov 22, 2015 8:50 pm
Forum: Personal Consumer Issues
Topic: FreedomPop with unlocked iPhone 6?
Replies: 3
Views: 582

Re: FreedomPop with unlocked iPhone 6?

[quote="rs899"]Thats all you get, wifi callingk) (actually VOIP over Sprint network). Unless you happen to get a fantastic 4G LTE signal, forget it. Try Ringplus, if you want free. Works much better, but not perfect. I second that emotion. And set the data counter on the phone to warn/prev...
by wesgreen
Tue Nov 03, 2015 8:38 pm
Forum: Personal Consumer Issues
Topic: i need cell phone and wireless carrier
Replies: 26
Views: 2739

Re: i need cell phone and wireless carrier

I like my 1000 mins., 1000 sms and 1 GB data for free each month with Ringplus. Bring your own phone for free. Can work great if you're in an area covered by Sprint. Details on their site or here:
http://www.fatwallet.com/forums/hot-deals/1447658/