Search found 1087 matches

by selftalk
Tue Sep 19, 2017 8:03 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9557

Re: Bogleheads you would most like to meet and why?

Off the top of my head I would say: Taylor Larimore because he sums it up with no fluff - gets to the point and has vast experience and he also learned from J. Bogle which helps all of us. Stemikger because he spent a lot of time and effort to gain his experience for himself and to help others. He s...
by selftalk
Mon Sep 18, 2017 6:14 am
Forum: Investing - Theory, News & General
Topic: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"
Replies: 33
Views: 5137

Re: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"

J. Bogle was so very right when he said "Don`t Peek" and W. Buffett was so very right when he said "market forecasters make fortune tellers look good." Who cares what comes out of Goldman`s mouth and writings. It surely won`t help the average investor one bit. Goldman will not be and has not been ch...
by selftalk
Sun Sep 17, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50447

Re: what to do about the Equifax security breach

Isn`t freezing your credit reports like closing the barn door after the horse has left ? What`s the use now ?
by selftalk
Sun Sep 17, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50447

what to do about the Equifax security breach

[Thread merged into here, see below. --admin LadyGeek]

Since 143,000,000 personal accounts information were stolen from Equifax what is the reasonable thing to do now ?
by selftalk
Sun Sep 17, 2017 6:44 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1102782

Re: U.S. stocks in freefall

It`s truly amazing that with all the trouble and threats in this world that the stock market shrugs it off and goes higher. That`s a good lesson for the readers of this website to not be influenced by the daily news in managing your portfolio. Sometimes the daily news influences the markets and some...
by selftalk
Sat Sep 16, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Bipolar Investor Wants to Roll The Dice
Replies: 12
Views: 1736

Re: Bipolar Investor Wants to Roll The Dice

I would put it into VGPMX. I feel the risk is low now and the upside can really be something.
by selftalk
Fri Sep 15, 2017 6:17 pm
Forum: Investing - Theory, News & General
Topic: Patience is very important to profit from the stock market
Replies: 41
Views: 4760

Re: Patience is very important to profit from the stock market

I am going to stick with the broad based index funds. Factor investing is not for me at this time.
by selftalk
Thu Sep 14, 2017 5:43 pm
Forum: Investing - Theory, News & General
Topic: Patience is very important to profit from the stock market
Replies: 41
Views: 4760

Re: Patience is very important to profit from the stock market

It`s so natural when people hear on tv, radio, friends etc. that the DOW went up today they think that their net worth increased and they feel good. But if they see that their net worth decreased that day and other days when the market rose they do not feel that good feeling and when it`s repeated o...
by selftalk
Wed Sep 13, 2017 9:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1102782

Re: U.S. stocks in freefall

I do not find this forum boring at all. Just select what interests you. In fact this particular thread is very good and I for 1 look forward to keeping up with it daily if I have the time to do so.
by selftalk
Wed Sep 13, 2017 9:04 pm
Forum: Investing - Theory, News & General
Topic: Patience is very important to profit from the stock market
Replies: 41
Views: 4760

Re: Patience is very important to profit from the stock market

In my opinion you are so right nedsaid. Just keep buying the worst performer in the haystack/ your allocation.
by selftalk
Wed Sep 13, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?
Replies: 58
Views: 3871

Re: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?

By rebalancing you are controlling your risk level that you previously set up in your IPS. What`s so wrong with that ? Seeing what you sold going up higher in value after rebalancing hurts emotionally and gets your greed surfacing. That`s why investing correctly is simple yet hard to do. Warren Buff...
by selftalk
Wed Sep 13, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1102782

Re: U.S. stocks in freefall

nedsaid, it`s perfectly ok to rebalance to selling stock and buying more bonds. Isn`t that in your IPS ? It will work out fine as it`s supposed to. It`s never easy emotionally to take some of the gains and add to the under performer.
by selftalk
Wed Sep 13, 2017 4:20 pm
Forum: Investing - Theory, News & General
Topic: Patience is very important to profit from the stock market
Replies: 41
Views: 4760

Re: Patience is very important to profit from the stock market

nedsaid, VTV (Large Value U.S.) tripled since the bottom in 2009. What`s so bad about that ? VUG (large Growth U.S.) went up about 4 1/2 times since the bottom in 2009. In my opinion both did well.
by selftalk
Tue Sep 12, 2017 5:20 pm
Forum: Investing - Theory, News & General
Topic: Patience is very important to profit from the stock market
Replies: 41
Views: 4760

Re: Patience is very important to profit from the stock market

Fallable, telling them is 1 thing experiencing it is something else. It`s real tough to do.
by selftalk
Tue Sep 12, 2017 4:49 pm
Forum: Investing - Theory, News & General
Topic: Patience is very important to profit from the stock market
Replies: 41
Views: 4760

Patience is very important to profit from the stock market

I listened to an interview the other day and when the subject of tracking error came up I became all ears. The tracking error costs investors enormous sums of money in times past and most probably will in the future. An example would be in the past 6 yeas or so the emerging markets were for all inte...
by selftalk
Fri Sep 08, 2017 6:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: IRMA coming to South Beach in Miami
Replies: 18
Views: 1976

Re: IRMA coming to South Beach in Miami

Be careful Mel and good luck of course.
by selftalk
Fri Sep 08, 2017 1:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: IRMA coming to South Beach in Miami
Replies: 18
Views: 1976

IRMA coming to South Beach in Miami

Has anyone heard from Taylor ? He lives in Miami right in the path of the storm.
by selftalk
Thu Sep 07, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: the hurricane damages [Berkshire Hathaway's cash on-hand]
Replies: 25
Views: 3173

the hurricane damages [Berkshire Hathaway's cash on-hand]

It looks like Berkshire Hathaway`s $ 100,000,000,000 + cash hoard is going to drop. What do you think ? If I owned the stock I wouldn`t sell out even though it`s down 4% so far and in fact may be a good buy.
by selftalk
Wed Sep 06, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1102782

Re: U.S. stocks in freefall

Buying on the dips hmmm! A sure thing hmmm. One day and don`ask me when but one of those dips will be the beginning of a real bear market. I do remember this same sort of thinking "buy on the dips" in 2000, when it looked so easy to make money. It`s like musical chairs or even a Charles Ponzi scheme...
by selftalk
Tue Sep 05, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: taking probiotics anyone
Replies: 10
Views: 1098

Re: taking probiotics anyone

Thank you for your reply. I think everyone is the same yet different. I think I`ll take back the bottle of probiotics tomorrow as the store manager agreed to and continue putting sauerkraut on my salads and eat maybe 2 pickles a day for a while to build up the good bacteria in the gut again. The doc...
by selftalk
Tue Sep 05, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: taking probiotics anyone
Replies: 10
Views: 1098

Re: taking probiotics anyone

The doctor did recommend them to take after the antibiotics were all consumed over a period of 10 days. I followed the doctor`s order.
by selftalk
Tue Sep 05, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: taking probiotics anyone
Replies: 10
Views: 1098

taking probiotics anyone

What are some of the experiences physically by taking probiotics ? It seems to give me an unsettled stomach. I followed the instructions on the bottle of 1 capsule per day. They are supposed to be good for building good bacteria back in the gut after being on antibiotics.
by selftalk
Tue Sep 05, 2017 6:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1102782

Re: U.S. stocks in freefall

I hate to say this but it`s my opinion from the above yield chart that the stock yield will most probably rise a lot which means that the U.S. market will fall a lot to get the stock yields up a lot. This also means to me that the bond yield will fall a lot and subsequently the bond prices will most...
by selftalk
Sun Sep 03, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: a list of major factor asset classes
Replies: 12
Views: 1132

Re: a list of major factor asset classes

I`ll try to get through Swedroe`s book.
by selftalk
Sun Sep 03, 2017 6:55 am
Forum: Investing - Help with Personal Investments
Topic: a list of major factor asset classes
Replies: 12
Views: 1132

Re: a list of major factor asset classes

This factor based investing style has me stumped as I`m used to the old fashioned way. I can`t seem to grasp it.
by selftalk
Sat Sep 02, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: a list of major factor asset classes
Replies: 12
Views: 1132

a list of major factor asset classes

Where can I get a list of all factor etf major asset classes ? No multi-factors.
by selftalk
Fri Sep 01, 2017 5:44 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 241
Views: 30684

Re: What is Bitcoin?

In my opinion Bitcoin is just something else to gamble on.
by selftalk
Fri Sep 01, 2017 10:07 am
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17944

Re: [Are the Bogleheads] getting less interesting?

TREV H and nedsaid had some really good posts to learn from.
by selftalk
Thu Aug 31, 2017 8:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17944

Re: [Are the Bogleheads] getting less interesting?

I really think the best post I ever read here was when I signed up and read Taylor Larimore analyzing the construction of the 3 fund portfolio and his reasons for it right from the beginning. I still feel it is priceless. I`m sure that post has helped a lot of people if they implemented it and stuck...
by selftalk
Wed Aug 30, 2017 8:01 pm
Forum: Investing - Theory, News & General
Topic: Bogle's Book
Replies: 13
Views: 1824

Re: Bogle's Book

I wonder just how much different can it be.
by selftalk
Wed Aug 30, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: James Altucher's get-rich-quick pitch
Replies: 17
Views: 3939

Re: James Altucher's get-rich-quick pitch

What a nice charitable guy to want to make me money quickly and whenever I need extra money. A real prince of a guy. The world would be a far better place with more people like him in it.
by selftalk
Mon Aug 28, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 75
Views: 7750

Re: I ran out of credit card signups bonus...

I assume that you don`t use them. Am I right ? What does doing this do to your credit score ? How long are you going to keep these many cards active for ?
by selftalk
Mon Aug 28, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Starting to doubt my index portfolio, will it at least get me 5% inflation adjusted over next two decades?
Replies: 34
Views: 3963

Re: Starting to doubt my index portfolio, will it at least get me 5% inflation adjusted over next two decades?

This is exactly the portfolio listed by Alan Roth on the lazy portfolio on marketwatch.com ; the second graders one. Look at the results but realize that was in the past. I don`t see how anyone could possibly tell you how to best inflation by 5 % every year. That`s totally unrealistic. The less swit...
by selftalk
Sat Aug 26, 2017 7:38 pm
Forum: Investing - Theory, News & General
Topic: factor based investing
Replies: 43
Views: 2997

Re: factor based investing

Somehow this doesn`t sound revolutionary to me.
by selftalk
Sat Aug 26, 2017 7:34 pm
Forum: Investing - Theory, News & General
Topic: factor based investing
Replies: 43
Views: 2997

factor based investing

In 25 words or less what exactly is factor based investing ?
by selftalk
Sat Aug 26, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Wait & You'll Likely Miss Out
Replies: 74
Views: 10539

Re: Larry Swedroe: Wait & You'll Likely Miss Out

J. Bogle says invest we must no matter what. Waiting for a correction is foolhardy because at what level in the correction do you buy in ? It`s not logical to me and will most likely prove more expensive waiting for a correction. If you have the money then invest period. Time in the market not timin...
by selftalk
Thu Aug 24, 2017 7:59 pm
Forum: Investing - Theory, News & General
Topic: John Bogle video (discusses international)
Replies: 44
Views: 4258

Re: John Bogle video (discusses international)

I understand but that`s the past and we all know that we don`t know the future ; not even Mr. Bogle. I honestly don`t think that international HAS TO DECLINE if the U.S. goes into a bear phase. That isn`t written in stone. As they say "nothing is certain but death and taxes." I`m sorry stemikger. Th...
by selftalk
Wed Aug 23, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: I did it and feel great about it (paid off mortgage)
Replies: 53
Views: 5985

Re: I did it and feel great about it (paid off mortgage)

How about using a home equity loan to pay your mortgage in full ? The interest rate would be lower I think although I do not know what the interest rate would be today. I don`t think you can deduct the interest on your taxes though.
by selftalk
Tue Aug 22, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: I did it and feel great about it (paid off mortgage)
Replies: 53
Views: 5985

Re: I did it and feel great about it (paid off mortgage)

In order to get the mortgage paid off sooner and not pay more money each month speak to a bank representative about paying 1/2 the mortgage payment every 2 weeks. It lessens the time period to pay and it also lessens the total interest paid. There`s no extra charge for this. You have to fill out som...
by selftalk
Tue Aug 22, 2017 12:36 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 228
Views: 44845

Re: How much international stock? A suggestion.

It will be very interesting when the international funds begin and continue to out pace the U.S. markets in returns. I`ll bet that folks will whistle a different tune then and resort to performance chasing those returns. Anyway time will tell.
by selftalk
Mon Aug 21, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to invest in gold?
Replies: 18
Views: 1942

Re: Good time to invest in gold?

It might be as only time will tell.
by selftalk
Mon Aug 21, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 228
Views: 44845

Re: How much international stock? A suggestion.

It appears that a number of folks on this website forget and/or don`t know about reversion to the mean. They seem dissatisfied with the tracking error between U.S. and international and I would venture a guess they have become closet performance chasers as they are short on patience. I believe a rem...
by selftalk
Wed Aug 16, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: a simple world wide portfolio
Replies: 6
Views: 622

Re: a simple world wide portfolio

With global funds when foreign stocks occupy less than half the portfolio the investor can only deduct the payment of foreign taxes. If you purchase an etf that has only foreign stocks the investor can take the foreign tax as credits which is more desirable. I do not need bonds as I receive social s...
by selftalk
Wed Aug 16, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: a simple world wide portfolio
Replies: 6
Views: 622

a simple world wide portfolio

I was thinking of diversifying somewhat to VTI 50%, VEA 37 1/2% and VWO 12 1/2%. What do you think of this mix ?
by selftalk
Sun Aug 13, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: possible capital gains thrown off on VTI from VTSMX / VTSAX
Replies: 3
Views: 645

possible capital gains thrown off on VTI from VTSMX / VTSAX

Has anyone read Understanding Exchange Traded Funds dated 2007, by Archie M. Richards, Jr. especially page 92 ? It is written there that "By combining an ETF with a corresponding index fund Vanguard runs the risk that the sales of portfolio stocks by the index fund will cause capital gains to be pas...
by selftalk
Sat Aug 12, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Testing Our Allocations Emotionally
Replies: 26
Views: 2050

Re: Testing Our Allocations Emotionally

tibbits that`s true but no one likes to lose money.