Bogleheads.org

selftalk

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...

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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...

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Isn`t freezing your credit reports like closing the barn door after the horse has left ? What`s the use now ?

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[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 ?

selftalk

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...

selftalk

I would put it into VGPMX. I feel the risk is low now and the upside can really be something.

selftalk

I am going to stick with the broad based index funds. Factor investing is not for me at this time.

selftalk

I agree dbr.

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As often as I can

selftalk

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...

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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.

selftalk

In my opinion you are so right nedsaid. Just keep buying the worst performer in the haystack/ your allocation.

selftalk

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...

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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.

selftalk

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.

selftalk

Fallable, telling them is 1 thing experiencing it is something else. It`s real tough to do.

selftalk

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...

selftalk

Be careful Mel and good luck of course.

selftalk

Has anyone heard from Taylor ? He lives in Miami right in the path of the storm.

selftalk

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.

selftalk

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 Po...

selftalk

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...

selftalk

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.

selftalk

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.

selftalk

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...

selftalk

I`ll try to get through Swedroe`s book.

selftalk

This factor based investing style has me stumped as I`m used to the old fashioned way. I can`t seem to grasp it.

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Where can I get a list of all factor etf major asset classes ? No multi-factors.

selftalk

In my opinion Bitcoin is just something else to gamble on.

selftalk

TREV H and nedsaid had some really good posts to learn from.

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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...

selftalk

I wonder just how much different can it be.

selftalk

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.

selftalk

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 ?

selftalk

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...

selftalk

Somehow this doesn`t sound revolutionary to me.

selftalk

In 25 words or less what exactly is factor based investing ?

selftalk

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...

selftalk

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 ste...

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This was deleted.

selftalk

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.

selftalk

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...

selftalk

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.

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It might be as only time will tell.

selftalk

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...

selftalk

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...

selftalk

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 ?

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I thank all of you for your opinions.

selftalk

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 b...

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

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