Search found 877 matches

by oldzey
Wed Jun 20, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: Why is Mr. Bogle so against investing internationally?
Replies: 24
Views: 2240

Re: Why is Mr. Bogle so against investing internationally?

From Mr. Bogle himself: https://www.youtube.com/watch?v=hvgptl5-Kcc https://www.youtube.com/watch?v=nWI64TKU64o#t=1h06m17s https://www.youtube.com/watch?v=vMj4sHjF_kA#t=02m43s https://www.morningstar.com/videos/355647/bogle-why-i-dont-invest-overseas.html https://www.morningstar.com/videos/718644/wh...
by oldzey
Tue Jun 19, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 122
Views: 14555

Re: International stocks in free fall

saltycaper wrote:
Tue Jun 28, 2016 12:42 am
abuss368 wrote:Back up the truck!
Not ready for the truck. Maybe the little wire basket I attached to my 10-speed when I was 8.
Anyone back up the truck today? 8-)
by oldzey
Mon Jun 18, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 269667

Re: Best watch for around $5,000?

Touché

:beer
by oldzey
Mon Jun 18, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 269667

Re: Best watch for around $5,000?

If someone offered to buy me a watch, with $5,000 to spend, and I couldn't spend it any other way, then I would pick a Rolex Submariner, model 14060.
by oldzey
Mon Jun 18, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: What does it mean: Rule No. 1: Never lose money
Replies: 66
Views: 5101

Re: What does it mean: Rule No. 1: Never lose money

Rule #3: Never own individual stocks.
by oldzey
Mon Jun 18, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: What does it mean: Rule No. 1: Never lose money
Replies: 66
Views: 5101

Re: What does it mean: Rule No. 1: Never lose money

I have these two sentences in my Investment Policy Statement (IPS), in addition to Warren Buffett's rules #1 and #2:

“Investors will incur losses.”

“It's only a loss on paper – until you sell.”
by oldzey
Mon Jun 18, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 694
Views: 75031

Re: [What TV Show Have You Recently Watched?]

Westworld (HBO)
"Rome" (HBO)
Carnivale (HBO)
Battlestar Galactica
Longmire
The Ranch
Gotham
The Expanse
Vikings
Planet Earth 2
by oldzey
Mon Jun 18, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 269667

Re: Best watch for around $5,000?

For my 50th, I wanted a $5,000 Rolex, but instead I bought a $35 a Timex Easy Reader Day Date, with the remaining $4,965 invested. :beer You beat me to this response. But oldzey paid up for a "premium" Timex. I got mine for $30, leaving $4,970 invested. Timex keeps perfect time - and if I lose it a...
by oldzey
Sun Jun 17, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 269667

Re: Best watch for around $5,000?

For my 50th, I wanted a $5,000 Rolex, but instead I bought a $35 a Timex Easy Reader Day Date, with the remaining $4,965 invested. :beer

Image
by oldzey
Sun Jun 17, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 151
Views: 10761

Re: Which boglehead rule do you break--and are ok with

dh wrote:
Sun Jun 17, 2018 11:35 am
2 Invest early and often (50% - sadly, I wish I would have started earlier)
+1

I do invest often - just wish I had started 20 years earlier.
by oldzey
Sun Jun 17, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 38022

Re: What's your U.S. : International ratio?

100% U.S. : 0% International works for me! :beer
by oldzey
Fri Jun 15, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: What to put in taxable brokerage account?
Replies: 12
Views: 981

Re: What to put in taxable brokerage account?

PTGuy1 wrote:
Fri Jun 15, 2018 12:55 pm
So, what would you NOT put in taxable brokerage account?
Welcome to the forum, PTGuy1!

Yoda says, "The answer you seek, in the Wiki, it is: https://www.bogleheads.org/wiki/Tax-eff ... _placement"
by oldzey
Wed Jun 13, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 41
Views: 5823

Re: Vaguard - You'll need to sign up for security codes soon

Pancakes-Eggs-Bacon wrote:
Wed Jun 13, 2018 4:14 pm
oldzey wrote:
Wed Jun 13, 2018 4:11 pm
What is this "Vaguard" that you speak of? :P
The company James Bagel founded. :P

We Bagelheads are a cheesy bunch.
I'll have some VBTLoX on my bagel.
by oldzey
Tue Jun 12, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8602

Re: Getting killed on taxes - any ideas?

And time for a repeat: The same old, old same advice always applies: From an old locked thread: Y'all aren't trying hard to reduce your taxes. I"ve posted this list of things you can do to reduce your taxes several times before: 1. Earn less money or quit your job. Lower income means lower taxes. 2...
by oldzey
Sun Jun 10, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: Why large cap if small cap is better?
Replies: 20
Views: 1521

Re: Why large cap if small cap is better?

Sometimes mid-caps do better than large-caps and small-caps (like they did last Friday).
by oldzey
Sun Jun 10, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: Single Stocks vs. the Market
Replies: 8
Views: 1613

Re:

tc101 wrote:
Mon Jan 14, 2008 10:41 pm
This welcome page will give lots of general information

http://www.diehards.org/welcome.htm
Here's an updated link for 2018: https://www.bogleheads.org/wiki/Main_Page
by oldzey
Sat Jun 09, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 5428

Re: Jack Bogle on Fox Business Channel Friday June 8

The interview reminded me of Stephen Covey's 7 Habits of Highly Effective People.

In particular, it reminded me of Covey's explanation of the "Character Ethic" versus the "Personality Ethic."

Did anyone count how many times Ms. Bartiromo took off her glasses? :D
by oldzey
Sat Jun 09, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Getting into real estate?
Replies: 10
Views: 933

Re: Getting into real estate?

Welcome to the forum, KeepingTime! Let's see, you... Have no debt (way to go - welcome to the Bogleheads). Earned an engineering degree and found a good-paying job (congrats). Get to rent a room at home with your family, presumably who you get along with (congrats - that's a huge plus at your age). ...
by oldzey
Sat Jun 09, 2018 12:44 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 5428

Re: Jack Bogle on Fox Business Channel Friday June 8

mxs wrote:
Fri Jun 08, 2018 10:25 pm
First 6 minutes of the program.
https://m.youtube.com/watch?v=HJyczA3PqG8

Another 5 minutes from the interview.
https://m.youtube.com/watch?v=RC__VrsfdpM
Thank you for the links! Jack, as always, is an engaging and gracious guest during interviews.
by oldzey
Fri Jun 08, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: questions about TIAA traditional fund in 401K
Replies: 9
Views: 334

Re: questions about TIAA traditional fund in 401K

Thank you, oldzey! My questions are 1. Is it ok to use this fund to replace the US bond index fund in the three-fund portfolio? The past year performance (3.89% 1 year, 4.02% 3-year, 4.06% 5-year, 4.46% 10-year) looks good to me. That's what I do. 2. What is the expense/fee to own TIAA traditional?...
by oldzey
Fri Jun 08, 2018 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: questions about TIAA traditional fund in 401K
Replies: 9
Views: 334

Re: questions about TIAA traditional fund in 401K

My questions are 1. Is it ok to use this fund to replace the US bond index fund in the three-fund portfolio? The past year performance (3.89% 1 year, 4.02% 3-year, 4.06% 5-year, 4.46% 10-year) looks good to me. That's what I do. 2. What is the expense/fee to own TIAA traditional? It is easy to find...
by oldzey
Tue Jun 05, 2018 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: 14yo very very new to investing.
Replies: 24
Views: 1766

Re: 14yo very very new to investing.

Hi tokersah - welcome to the forum!

Here's a great set of videos from one of our forum members (Rick Van Ness) that you may find useful: https://www.youtube.com/user/FinancingLife101/videos

Also, be sure to check out the Wiki: https://www.bogleheads.org/wiki/Getting_started
by oldzey
Mon Jun 04, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Illiteracy’s High Cost
Replies: 30
Views: 3795

Re: Larry Swedroe: Financial Illiteracy’s High Cost

FreeAtLast wrote:
Mon Jun 04, 2018 10:59 am
What is a "unit of financial literacy?" I am unable to access the academic paper that Larry references.
Here's a link to a working copy of the paper: https://www.tse-fr.eu/sites/default/fil ... se_808.pdf
by oldzey
Mon Jun 04, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Illiteracy’s High Cost
Replies: 30
Views: 3795

Re: Larry Swedroe: Financial Illiteracy’s High Cost

Thanks for sharing, Random Walker.

I look forward to Larry's 17th book that he has authored or co-authored on investing: "Your Complete Guide to a Safe and Secure Retirement."

Cheers,
oldzey
by oldzey
Sat Jun 02, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: International vs US investments
Replies: 18
Views: 1281

Re: International vs US investments

Hi all, Considering the political situation in the US, I was wondering how it impacts your investments choices? How do you balance your investments between US stocks and international stocks? I don't want to start a political debate, but there is a reason why we try to diversify... If all the natio...
by oldzey
Thu May 31, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 159
Views: 23437

Re: Oatmeal suggestions

Large bowl: 1/2 cup old fashioned oats 1 3/4 cups almond milk 1/8 cup raisins 1/2 tsp Nielsen-Massey Tahitian vanilla* Splenda brown sugar blend (or brown sugar) to suit your sweet tooth Microwave for 12 minutes on high. Stir in 1-2 tsp Penzey's Vietnamese cinnamon* Makes one serving. * Yes, it mat...
by oldzey
Thu May 31, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with TIAA CREF fund picking
Replies: 12
Views: 934

Re: Please help with retirement fund picking

I'd pick an allocation such as 90% stocks and 10% bonds, then find the lowest expenses. This is one possibility: 90% CREF Growth Account (R2) 0.32% 10% CREF Inflation-Linked Bond Account (R2) 0.31% My suggestion is similar in terms of asset allocation but with the following 70% CREF Equity Index (R...
by oldzey
Thu May 31, 2018 3:19 pm
Forum: Forum Issues and Administration
Topic: Analysis of Topics - Has This Ever Been Done?
Replies: 13
Views: 1368

Re: Analysis of Topics - Has This Ever Been Done?

Here's a few that come to mind: Total Stock Market Index Fund vs. S&P 500 Index Fund Total Stock Market Index Fund vs. Berkshire Hathaway B 2 fund portfolios vs. 3 fund portfolios Gold as an investment 60/40 Asset Allocation vs. other Asset Allocations Warren Buffett Tax loss harvesting (TLH) 4% rul...
by oldzey
Thu May 31, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 159
Views: 23437

Re: Oatmeal suggestions

So has anyone ever made oatmeal in the Instant pot pressure cooker?
by oldzey
Wed May 30, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Instant pot pressure cooker
Replies: 50
Views: 6402

Re: Instant pot pressure cooker

This looks interesting.
by oldzey
Wed May 30, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Best "investment tip" I have gotten from Bogleheads
Replies: 58
Views: 12627

Re: Best "investment tip" I have gotten from Bogleheads

I've got to check out the Instant Pot.
by oldzey
Wed May 30, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 88
Views: 10904

Re: Instant oatmeal vs "regular" oatmeal

Even more oatmeal suggestions!

I'm going to try some of these out this summer. :D
by oldzey
Wed May 30, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 159
Views: 23437

Re: Oatmeal suggestions

OK, I'm finally going to try some of these suggestions this summer. :D
by oldzey
Fri May 25, 2018 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Book for wife on investing
Replies: 26
Views: 2019

Re: Book for wife on investing

A good beginner book might be Common Sense Investing by Rick Van Ness.

You can preview the book by watching the videos posted on the Bogleheads® wiki: Video:Bogleheads® investment philosophy.

This book is also one of Taylor Larimore's Investment Gems: "Common Sense Investing" -- A gem.
by oldzey
Fri May 25, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative to Morningstar X-ray Tool
Replies: 14
Views: 1573

Re: Alternative to Morningstar X-ray Tool

Exafchick wrote:
Fri May 25, 2018 12:42 pm
oldzey wrote:
Fri May 25, 2018 9:47 am
http://hcplibrary.org/reference/
This worked! Thank you!
My pleasure!
by oldzey
Fri May 25, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA TRAD as Fixed Income in my AA?
Replies: 9
Views: 779

Re: TIAA TRAD as Fixed Income in my AA?

I am tenured as well. 50 years old. No debt. AA is 65% equities, 35% fixed income. I have all of my fixed income in TIAA TRAD (RA & GSRA). Pros: My daily balance never goes down, which helps me sleep well at night. TRAD can be annuitized. TIAA is a pretty solid and stable company. TRAD is reasonably...
by oldzey
Thu May 24, 2018 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do: TIAA traditional vs. TREA?
Replies: 39
Views: 1860

Re: What would you do: TIAA traditional vs. TREA?

My portfolio consists of the following:

65% Equity Index Funds (403b, Roth, Taxable)
35% TIAA Traditional (403b - in both RA & GSRA)

That's it - simple and easy to maintain. :beer
by oldzey
Thu May 24, 2018 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 67
Views: 3799

Re: TIAA Real Estate

Thanks for the clarification, beardsworth!

Best,
oldzey
by oldzey
Thu May 24, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 67
Views: 3799

Re: TIAA Real Estate

"As a general rule of thumb, the more complexity that exists in a Wall Street creation, the faster and farther investors should run.” –- David Swensen Interestingly, TIAA Real Estate is one of the investments that David Swensen specifically recommends in his book "Unconventional Success" as a good ...
by oldzey
Thu May 24, 2018 9:26 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 67
Views: 3799

Re: TIAA Real Estate

Like your questions about TIAA Traditional, their Real Estate fund is a unique investment. As a one of a kind investment, it is very hard to evaluate. You kind of have to trust that TIAA knows what they are doing. Although I do have a large % of my fixed income in TIAA Traditional, I personally avo...
by oldzey
Wed May 23, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12782

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

The inception date of Vanguard Total Stock U.S. Stock Market Index Fund ( VTSMX ) was 4/27/1992. The inception date of Vanguard Total World Stock Index Fund ( VTWSX ) was 6/26/2008. Per Morningstar, as of 5/22/2018, if you had invested $10,000 in both funds on 6/27/2008, you would currently have $26...
by oldzey
Sat May 19, 2018 8:40 am
Forum: Investing - Theory, News & General
Topic: Bogle featured in Barrons cover story
Replies: 38
Views: 3690

Re: Bogle featured in Barrons cover story

abuss368 wrote:
Sat May 19, 2018 8:31 am
Is it locked?
I got to it by Googling "Jack Bogle’s Battle." (with quotes)
by oldzey
Thu May 17, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4499

Re: Bed Bugs

3. The Cimexa dust (along with a potent insecticide) is key to controlling the bedbugs, because you put it in their hiding places. The dust keeps working over a long period of time, drying out and killing the bedbugs where they hide. This won't work since there is no way you can put it in every noo...
by oldzey
Thu May 17, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4499

Re: Bed Bugs

I've lived in apartments for about 30 years. First of all, Bed Bugs are tough little boogers - they're very, very difficult to get rid of. You have my sympathies. However, I've dealt with Bed Bugs myself twice and won, without going bankrupt. Here is an excellent link to a Do-It-Yourself site: http...