Search found 165 matches

by wesgreen
Wed Oct 17, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 171
Views: 8262

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

staythecourse wrote: All I can say about this argument is the majority of folks who support U.S. centric only investments are: 1. U.S. raised and 2. Old (80+). Sorry but this thought process is nearly (if ever) recommended by anyone outside of those 2 characteristics. It just proves that no matter h...
by wesgreen
Wed Oct 17, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: your favorite ereader?
Replies: 28
Views: 1134

Re: your favorite ereader?

My phone, with the free FBreader Android app. I set the background to black and the text to green.
by wesgreen
Thu Oct 11, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Time to sell international funds in 401k
Replies: 10
Views: 1472

Re: Time to sell international funds in 401k

One year's returns don't mean much. If your total INTL allocation is under 10%, I wish I was in your situation (I'm still sitting on 22%). You might as well wait and see if it recovers someday and then sell. Selling when you're down is rarely a good idea. I wonder if you could transfer to something ...
by wesgreen
Fri Oct 05, 2018 12:29 pm
Forum: Forum Issues and Administration
Topic: 10 years - thank you forum admins and posters
Replies: 4
Views: 629

Re: 10 years - thank you forum admins and posters

Ditto. Especially to the veterans for their patience.
by wesgreen
Tue Sep 25, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25186

Re: What is your single most expensive mistake?

Investing in International. I plan on sticking with John Bogle's advice from now on.
by wesgreen
Wed Aug 29, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1154
Views: 95304

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Every time I open my web account page, they're trying to push me to further increase my Intl. percentage. I wish I had ignored them years ago and stuck with Mr. Bogle's advice. Who knows, maybe it'll pay off big for their target funds in a few years. I still wonder why they feel the need to be so ag...
by wesgreen
Tue Aug 21, 2018 11:51 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1154
Views: 95304

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I can see Vanguard heading for a world of pain from angry investors some day if Intl. doesn't "revert to the mean" in a few years.
by wesgreen
Fri Aug 17, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1154
Views: 95304

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I would like to revisit this thread in 5 years, and then again in another 5 years, and then see who changes their minds. At least I was smart enough to stop rebalancing into Int. ca. 12 years ago. Going against John Bogle's advice on this was the biggest mistake of my investing career, and I probabl...
by wesgreen
Tue Apr 17, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: How Warren Buffett Won His Multi-Million Dollar Long Bet
Replies: 27
Views: 3861

Re: How Warren Buffett Won His Multi-Million Dollar Long Bet

Protégé Partners specializes in fund-of-hedge-funds investing. That was their schtick, that's why Seides did it. In their words, Through tenured judgment, deep-dive due diligence and pro-active risk management, we strive to identify best-in-class managers and put capital to work through arms-length...
by wesgreen
Thu Apr 05, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 12293

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

Here's a post in another thread I found interesting and pertaining to our discussion: Re: How much international stock? A suggestion. Post by oldzey » Wed Apr 04, 2018 7:56 pm "The inception date of Vanguard Total Stock U.S. Stock Market Index Fund (VTSMX) was 4/27/1992. The inception date of Vangu...
by wesgreen
Thu Apr 05, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 12293

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

Here's a post in another thread I found interesting and pertaining to our discussion: Re: How much international stock? A suggestion. Post by oldzey » Wed Apr 04, 2018 7:56 pm "The inception date of Vanguard Total Stock U.S. Stock Market Index Fund (VTSMX) was 4/27/1992. The inception date of Vangua...
by wesgreen
Tue Apr 03, 2018 11:12 pm
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 12293

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

"So if you bet entirely on one of the two largest stock markets in 2000 (note that this graph starts after Japan's big crash and gets much, much, much worse if you go back another 5 or 10 years), and you picked wrong, you'd have had dismal returns versus great returns." There are many historical, g...
by wesgreen
Sun Apr 01, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 12293

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

"So if you bet entirely on one of the two largest stock markets in 2000 (note that this graph starts after Japan's big crash and gets much, much, much worse if you go back another 5 or 10 years), and you picked wrong, you'd have had dismal returns versus great returns." There are many historical, ge...
by wesgreen
Tue Mar 27, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Purchasing an instrument
Replies: 25
Views: 1473

Re: Purchasing an instrument

Rent. Wait until your daughter wants her own bad enough to beg for it.
by wesgreen
Sat Mar 24, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Indoor plant recommendations
Replies: 6
Views: 622

Re: Indoor plant recommendations

I find Yucca plants nice, and I haven't killed one yet.
by wesgreen
Wed Feb 21, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can you transfer money with TransferWise directly to Vanguard?
Replies: 9
Views: 710

Re: Can you transfer money with TransferWise directly to Vanguard?

Thank you very much for all the responses. I had not even thought of setting up direct deposit in Vanguard for Transferwise, because these are only occasional transactions at varying amounts. It may be worth a try, as I didn't see any requirement excluding those. However, Vanguard asks you to submit...
by wesgreen
Tue Feb 20, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can you transfer money with TransferWise directly to Vanguard?
Replies: 9
Views: 710

Can you transfer money with TransferWise directly to Vanguard?

I would like to send money from abroad via TransferWise directly to my Vanguard Prime Money Market account. When I choose "bank transfer" on their website, TransferWise asks me for routing and account numbers. Vanguard CS tells me Vanguard doesn't have a routing number. Does anybody know if I can us...
by wesgreen
Sat Feb 17, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 152
Views: 11918

Re: philosophicaleconomics predicts 4% real equity returns

Future U.S. Equity Returns: A Best-Case Upper Limit Posted on January 15, 2018 by philosophicalecon@gmail.com http://www.philosophicaleconomics.com/2018/01/future-u-s-equity-returns-a-best-case-upper-limit/ I find this article highly fascinating. It confirms a hunch I've had all along that inflated...
by wesgreen
Sat Feb 17, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Use of TransferWise to move money - my experience - your thoughts?
Replies: 19
Views: 3729

Re: Use of TransferWise to move money - my experience - your thoughts?

I would like to send money via TransferWise directly to my Vanguard Prime Money Market account. When I choose "bank transfer" on their website, TransferWise asks me for routing and account numbers. Vanguard CS tells me Vanguard doesn't have a routing number. Does anybody know if I can use Vanguard's...
by wesgreen
Sat Feb 10, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Folding bicycles
Replies: 29
Views: 2443

Re: Folding bicycles

I'm almost 6'4''. That (besides the price, weight and design) is why I avoid Brompton bikes. Tern I avoid (besides the price and weight)because their frames fall apart. My Dahon Vitesse D3 ($500, plus $125 for a better crank/chainring) rides pretty much like a big bike after it was set up right, bet...
by wesgreen
Wed Dec 13, 2017 9:27 pm
Forum: Investing - Theory, News & General
Topic: Jim Simons Medalion fund averages 71.8% annual return
Replies: 26
Views: 5372

Re: Jim Simons Medalion fund averages 71.8% annual return

I'm very impressed, and I hope it's all true and legit. If so, right now would be the time to get out.
by wesgreen
Sat Nov 18, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, the world's richest man
Replies: 25
Views: 5803

Re: Jack Bogle, the word's richest man

Well said. And it's nice to know he's around to see the fruits of his labor and accept people's gratitude. That's not always the case with our heroes.
by wesgreen
Tue Nov 07, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 57
Views: 11354

Re: U.S. & International Allocation

Time will tell. So far it 's been ttelling us that Bogle is right. I don't feel great about going against Vanguard's advice; it's hard to imagine they could be so wrong. If you use performance figures to determine which investment was "right" and which investment was "wrong", you always will be wro...
by wesgreen
Tue Nov 07, 2017 3:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 57
Views: 11354

Re: U.S. & International Allocation

Time will tell. So far it 's been ttelling us that Bogle is right. I don't feel great about going against Vanguard's advice; it's hard to imagine they could be so wrong.
by wesgreen
Tue Nov 07, 2017 12:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 57
Views: 11354

Re: U.S. & International Allocation

I don't think I'll ever recover what I lost by going 30% international. I shouldn't have listened to people who think they're smarter than John Bogle. If you mean you don't think your returns on your international stocks ever will be greater than 0%, that's unlikely. Unless you sold them at a loss,...
by wesgreen
Mon Nov 06, 2017 11:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 57
Views: 11354

Re: U.S. & International Allocation

I've been investing a little longer than that, and those 10 years hardly bothered me. Maybe if I got really drunk I might be able to get your point?
by wesgreen
Mon Nov 06, 2017 6:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 57
Views: 11354

Re: U.S. & International Allocation

I don't think I'll ever recover what I lost by going 30% international. I shouldn't have listened to people who think they're smarter than John Bogle.
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: 19969

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: 2941

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: 1580

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: 1431

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: 4212

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: 3735

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: 3735

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: 14713

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: 2271
Views: 1440116

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: 1208

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 move to a new...
by wesgreen
Sat Dec 10, 2016 7:25 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...1.5 years later
Replies: 199
Views: 29283

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: 2204

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: 32106

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: 3758

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: 10015

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 high to t...
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: 361
Views: 62910

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: 2373

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.