Search found 218 matches

by jibantik
Sun Dec 02, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: First Crypto ETF Index Fund launched!!! $HODL
Replies: 73
Views: 7119

Re: First Crypto ETF Index Fund launched!!! $HODL

Aren't cryptos supposed to be a currency? If so, why would I invest in a currency?
by jibantik
Wed Nov 28, 2018 8:31 pm
Forum: Personal Investments
Topic: Marijuana [Stock]
Replies: 51
Views: 5688

Re: Marijuana

If you want stock in Marijuana, check out VTWSX, that should cover you :sharebeer
by jibantik
Sat Nov 24, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Good Windows PC for programming / development
Replies: 23
Views: 1541

Re: Good Windows PC for programming / development

Windows PC that is good for development work... isn't that an oxymoron? :P
by jibantik
Tue Nov 20, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 225
Views: 21786

Re: [Vanguard Total World and All-World ex-US Small Cap - Admiral Shares Forthcoming]

[Thread merged into here, see below. --admin LadyGeek] Since Vanguard got rid of some of their investor class shares and made the entry point for admiral shares lower I wanted to convert my funds into the lower admiral class. After having some technical issues I called into VG customer service... W...
by jibantik
Sat Nov 10, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 225
Views: 21786

Re: Admiral share class for total world stock

This forum sometimes tends to miss the forest for the trees. We're talking about a difference of less than one-tenth of one percent. On $1 million in Investor shares, you pay $1900 annually. In the ETF, you pay $1000. Is $900 a year nothing? No, of course not, but it's a really small marginal diffe...
by jibantik
Sat Nov 10, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 118956

Re: Words of wisdom

There are ALOT of "bogleheads" who should be thankful they aren't Japanese. Bogleheads: When I look at oldzey's graph (above), I am reminded of this statement by author Bill Bernstein: "When I disagree with Jack Bogle – I am usually wrong." Best wishes. Taylor When talking about strategy, the chart ...
by jibantik
Sat Nov 10, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 225
Views: 21786

Re: Admiral share class for total world stock

If we get admiral shares for total world it will be the happiest day I've had in the past 5 years. And I got married recently :shock:
by jibantik
Sat Nov 03, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 15184

Re: Core-4 Investing is LIVE! It really is this time!

Aren't those choices pure speculation?? It's definitely a type of speculation, but perhaps not "pure speculation" which seems to imply randomness of choice. For something like small value or REIT tilts, they are chosen because they offered a diversification benefit when overweighted for the last fe...
by jibantik
Sat Nov 03, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 15184

Re: Core-4 Investing is LIVE! It really is this time!

Can someone explain to me why, aside from asset allocation to handle volatility as you approach retirement, there would be different fund strategies? Shouldn't we just hold the market at low fees? What differences between people would account for one to hold REITs vs. high dividend stocks vs. small ...
by jibantik
Fri Nov 02, 2018 12:00 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 15184

Re: Core-4 Investing is LIVE! It really is this time!

Meh, I'll stick with my core-1: total world index.
by jibantik
Sun Oct 28, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Whats with all the FUD here? [market volatility]
Replies: 42
Views: 4482

Re: Whats with all the FUD here?

Are we looking at the same website? There seems to be even more people who don't think the recent drop is actionable, except maybe to tax loss harvest. +1 but that said, it’s pretty crazy how many folks are shaken by this. They should check out the threads from *deep* into the 2008 crash ..... it c...
by jibantik
Sat Oct 27, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Sell land at a loss or keep?
Replies: 38
Views: 3139

Re: Sell land at a loss or keep?

I think the rule of thumb on something like this is: if you had 50k instead of the land, would you buy the land with the 50k? If the answer is no, you should probably go ahead and get rid of it. Holding it in hopes that the price will go up is pure speculation. Seems like it would be more worthwhile...
by jibantik
Fri Oct 26, 2018 7:32 pm
Forum: Investing - Theory, News & General
Topic: Whats with all the FUD here? [market volatility]
Replies: 42
Views: 4482

Whats with all the FUD here? [market volatility]

After 10 years the market goes down a tiny bit and a bunch of people here are freaking out? If you are scared at this TINY movement you seriously need to rethink your asset allocation. We are Bogleheads, you shouldn't even know that the market has gone down let alone be emotionally affected by it :o...
by jibantik
Tue Oct 16, 2018 10:54 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 316
Views: 19392

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

Thanks, Taylor! I always appreciate having a new Jack Bogle video to add to the list: Why Jack Bogle Doesn't Own Non-U.S. Stocks Here's Why Jack Bogle Doesn't Like Investing In Foreign Markets Vanguard Founder Jack Bogle on Mutual Funds, Common Sense Investing and the Stock Market Jack Bogle on Mar...
by jibantik
Tue Oct 16, 2018 10:41 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 316
Views: 19392

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

venkman wrote:
Tue Oct 16, 2018 9:50 pm
"Nobody knows nothin'. Except when it comes to whether or not you should own international stocks."
+1
lostdog wrote:
Tue Oct 16, 2018 10:01 pm
"Buy the haystack!" except for international...
+2

Go total world sheeple. It is THE boglehead fund.
by jibantik
Wed Oct 03, 2018 6:16 pm
Forum: Personal Investments
Topic: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.
Replies: 87
Views: 9160

Re: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.

Wow, this is great if the OP will follow the advice of these boards. Imagine how one little chance happening, of stumbling onto this website, the wrong kind of website than they were looking for, could completely change OPs future for the better. Such a small thing could save OP decades of time and ...
by jibantik
Sun Sep 30, 2018 7:32 pm
Forum: Personal Investments
Topic: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.
Replies: 87
Views: 9160

Re: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.

Liquidsky, nobody is talking about your ability or determination. Getting rich quickly happens for VERY few people and for most of them it is being in the right place at the right time. That's called "luck". It has only a little to do with ability, determination, or skill. If you want to invest, re...
by jibantik
Fri Aug 17, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 118261

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

I am sorry, but I have a heck of a time calling someone a Boglehead if they do not hold any international equities, ESPECIALLY when the decision is made based on past performance. We need a purge :twisted: :P
by jibantik
Thu Aug 16, 2018 7:27 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 118261

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

So now one of the arguments for international is that the US dollar might collapse, while the rest of the world hums along....surely no one actually believes that. Folks are working hard to find some reason to hold ex-US... The normal Boglehead argument that it does well if you keep it for the long...
by jibantik
Tue Aug 14, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 118261

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

I mean, if we are going to use past performance to make decisions about what to hold, let's all just go 100% into facebook and apple.

If you don't hold international, word of warning: remember Japan.
by jibantik
Sun Jul 15, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: Real Estate Investment: Yay or Nay?
Replies: 34
Views: 3842

Re: Real Estate Investment: Yay or Nay?

Any Real Estate investors out there? Is a good real estate investment for income? 2BR, 1BA Condo Square Feet: 953 Year Built: 2006 Asking: $159,000 Monthly Rent: $1,000 HOA: $251 per month Property Tax: $2,432 per year Insurance: 800 per year?? Maintenance: ?? Gas Heat: $400 per year (paid by tenan...
by jibantik
Sun Jul 08, 2018 6:19 pm
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 20655

Re: Morningstar: prepare for a lost decade for U.S. stocks

Perhaps because Bogle doesn't care for international stocks? Yes, I follow his logic, not his implementation. I never understood why he would say one thing and do another. Then again, there are people who make a good living doing that every Sunday. I have a great respect for Mr. Bogle, but I do dis...
by jibantik
Sun Jul 08, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 20655

Re: Morningstar: prepare for a lost decade for U.S. stocks

“Our expectation at the moment is that you won’t have any real return from U.S. equities over the next 10 years,” said Morningstar’s Dan Kemp at a company event Wednesday in London. In the chart he shared below, the black line is pretty close to zero for American stocks. https://ei.marketwatch.com/...
by jibantik
Mon Jul 02, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 137
Views: 10276

Re: Do We need health insurance??

Hmm... I'm not sure I would get health insurance. You only have 14 million dollars. With such a low net worth you are better off saving the money and taking a chance. Besides, worst case scenario, if you go bankrupt you will only lose 14 million dollars.
by jibantik
Wed Jun 20, 2018 4:44 pm
Forum: Personal Investments
Topic: Evaluate my finances. Young guy.
Replies: 96
Views: 15009

Re: Evaluate my finances. Young guy.

As an update: I am glad I didn't listen to anyone about having lots of debt. Right now, my debt is completely manageable that it would take a 85% market crash for me to become insolvent and get margin calls. I am considering increasing margin debt but interest rates are a little high... Assets: $61...
by jibantik
Mon Jun 18, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]
Replies: 134
Views: 13714

Re: Interesting video from Ramsey today

In the video Dave quotes his return over the past 40 years (if he were invested the entire period which he says he wasn't) is 13.04%; the S&P 500 returned 11.81%. That 1.23% difference amounts to $480k on $10k invested, Dave's numbers. One comment, if 1.23% on return matters, why doesn't it also ap...
by jibantik
Mon Jun 11, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]
Replies: 134
Views: 13714

Re: Interesting video from Ramsey today

I like the bit between 4:32 - 4:46 :D He sounds like a bully during the first part starting around 4:30. It sounds that way because he is one. Anyone who has listened to his show for more than 10 minutes will know this. I don't have a problem with what he's done to make his wealth. Where I have a p...
by jibantik
Sat Jun 02, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Have $2.5M at 30, career advice needed
Replies: 49
Views: 8723

Re: Have $2.5M at 30, career advice needed

2.5M net worth with 550k a year income at age 30. How will you ever possibly achieve FIRE with such low numbers. You need to make a 1m/year if you want to ever have a chance of FIRE. That is how everyone does it.
by jibantik
Fri May 25, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Rowing machine
Replies: 32
Views: 3186

Re: Rowing machine

Concept 2. Worth every penny and hardly depreciates in value. If you are going to get one, it HAS to be a concept 2.
by jibantik
Sun May 13, 2018 8:54 pm
Forum: Personal Investments
Topic: Allocation to combine Dave Ramsey and Vanguard?
Replies: 79
Views: 10758

Re: Allocation to combine Dave Ramsey and Vanguard?

Dave Ramsey is widely regarded around here for his "get-out-of-debt" and "live-below-your-means" advice. He is? He is nothing but a con-man to me. He makes quite a killing from the products he pushes to the people he just got out of debt. Now, I think most everyone here will agree that his investme...
by jibantik
Wed May 02, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security for a Widow
Replies: 10
Views: 1850

Re: Social Security for a Widow

Does the widower receive survivors benefits OR their own SS (but not both)? If they are below age 60 with no dependents, they can choose to receive them when they turn 60 and then take their own benefits at age 70? You don't say if your sister is working or not. If she's still working and under her ...
by jibantik
Fri Apr 06, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 95
Views: 13147

Re: Your Monthly Cost of Living

Incredible, users on this forum simultaneously live on a 1-2k a month and be so worried about retiring on 5 million they have to tell us about it :D
by jibantik
Tue Mar 27, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to not file significant other as dependent
Replies: 7
Views: 1449

Re: Any reason to not file significant other as dependent

I suppose if your SO truly qualify as a qualifying relative, why not? I can't really think of anything that would come back to haunt you. It would get you an extra exemption (at least for 2017). Not relative, but apparently they don't need to be a relative. Who's the "they"? Do you have more than O...
by jibantik
Tue Mar 27, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to not file significant other as dependent
Replies: 7
Views: 1449

Any reason to not file significant other as dependent

I am contemplating filing my significant other as a dependent. We are not married as of yet, and they seem to qualify, as far as I can tell (income, not claimed a dependent for anyone else, shared house, etc.). I am just wondering if there is any reason why we should not do this. Is there anything t...
by jibantik
Thu Mar 22, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 33233

Re: Anyone Deleting Facebook?

Facebook serves one person, easy birthday and holiday wishes to extended family. How else do you guys do that??
by jibantik
Wed Mar 21, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: Maybe Ramsey is right
Replies: 43
Views: 10789

Re: Maybe Ramsey is right

This is not intended as an anti DR rant. Never heard of the guy before this forum. Never listened to him and after reading commentary never will listen to him. Instead it is a plea to leave him out of threads on this site. There must be other Internet forums where readers are happy to gain his insi...
by jibantik
Sat Mar 17, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Spoke to a financial advisor yesterday - what do you think he's up to?
Replies: 81
Views: 10005

Re: Spoke to a financial advisor yesterday - what do you think he's up to?

... He also suggests splitting our money across some 16 asset classes and we're currently at about six. That seems like a lot to me but he does this for a living. ... He does this for a living because of fees he charges people like you... that's a big difference than what you seem to be implying. M...
by jibantik
Tue Mar 13, 2018 8:36 pm
Forum: Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 11430

Re: Dave Ramsey on Bonds

Well, if I was a smartvestor pro and could get a guaranteed 12% return I wouldn't buy bonds either :wink:
by jibantik
Fri Mar 09, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 38071

Re: Why International again?

I understand it adds diversification--but as far as I can see, it primarily adds volatility to a portfolio. Plus, when I run Portfolio Visualizer comparing US vs Ex-US, the ONLY years Intl wins are 1986-1988. Yes, I know it did well last year. I didnt hold any intl until I got a newsletter from Van...
by jibantik
Mon Feb 26, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Deer Garden Damage Prevention
Replies: 36
Views: 3095

Re: Deer Garden Damage Prevention

Crossbow :D
by jibantik
Sat Feb 24, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Just had our offer accepted on a $1.4 Million House
Replies: 90
Views: 11159

Re: Just had our offer accepted on a $1.4 Million House

3 bed/2 bath, 1.4 million.... oh my golly gumdrops :o
by jibantik
Thu Feb 15, 2018 1:11 am
Forum: Personal Consumer Issues
Topic: Dental chews for dogs....useful?
Replies: 36
Views: 3349

Re: Dental chews for dogs....useful?

The dog just thinks of it as a treat. So any type of treat would likely be fine for a reward. For actual teeth cleaning, you can buy raw bones with marrow and meat still attached. They’re around $6 for a large (maybe 6” x 4”). Do that once a month for teeth cleaning. They are generally in the froze...
by jibantik
Mon Feb 12, 2018 10:55 pm
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 9625

Re: Day trading for a living/career?

Hello fellow Bogleheads, ... I’m not talking about wildly throwing money at Bitcoin and hoping for a get rich quick scheme, rather taking a period of time to learn the ins and outs of the industry. I realize there would be a learning curve with something like this. Understanding trading platforms, ...
by jibantik
Thu Feb 01, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: Ric Edelman: Vanguard, Other Bitcoin Deniers Will Eat Their Words
Replies: 47
Views: 7395

Re: Ric Edelman: Vanguard, Other Bitcoin Deniers Will Eat Their Words

Is this Rice Delman guy like Jim Cramer? Never listened to him before.
by jibantik
Mon Jan 29, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 12515

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I'm still using a 5 year old iphone 5... No new phones!!! iPhones? You could have not picked a worse company if you are trying to maintain old products. Hardware or software? ... Both. Apple and their planned obsolescence is well known. Even Google searches for "slow iphone" spike with each iPhone ...
by jibantik
Sun Jan 28, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 12515

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

Quickblue02 wrote:
Wed Jan 24, 2018 9:23 am
I'm still using a 5 year old iphone 5... No new phones!!!
iPhones? You could have not picked a worse company if you are trying to maintain old products.
by jibantik
Wed Jan 24, 2018 10:16 pm
Forum: Investing - Theory, News & General
Topic: Have you ever acted on an instinct like this?
Replies: 30
Views: 4166

Re: Have you ever acted on an instinct like this?

A friend of mine sent me an invite to a Bitcoin exchange. Based on his pas, I figured if he is getting in now it must be overvalued. I would have sold if I had any Bitcoin, but I don't speculate to begin with. Sure enough a day or two later Bitcoin crashed.
by jibantik
Tue Jan 23, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 18324

Re: What is the best home exercise equipment?

I bought a concept 2 ! I’ve been using it but even at the highest resistance I find it too easy. After 30 min of rowing I barely break sweat even though I get a somewhat pump in my arms. Anyone knows how to stiffen up the resistance ? Concept 2 rower (erg). Unbeatable single-equipment workout. Base...