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Re: When to throw out childhood toys? Encourage me please.

One of my favorite childhood toys was Mr. Machine. You could completely dis-assemble him and put him back together again. They only made the dis-assembly models a couple of years, then they switched to a model you can not dis-assemble. I don't know what happened to my original, so a few years ago I ...
by DaleMaley
Sun Sep 21, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 25
Views: 1353

Re: When to throw out childhood toys? Encourage me please.

We had 4 kids in our family. When we all got married and were living on our own, my mother started giving us our old stuff back to us in the form of Christmas presents. Then we could decide on our own to keep it or trash it. A buddy of mine at work told his grown kids that he was getting a dumpster ...
by DaleMaley
Sun Sep 21, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 25
Views: 1353

Re: Is it me, or are "collectibles" worthless in 2014?

As someone already posted, it is surprising to watch Road Show Antiques TV show, where they re-run a 1999 show, then show the 2012 prices. I would have expected most antiques to at least hold their value ove 13 years, but this is not the case. It seems like the majority of items go down in value, wi...
by DaleMaley
Sun Aug 24, 2014 7:25 am
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6174

Re: Your opinion of mint.com

I tried mint.com back in 2011,, and got very frustrated with it for tracking investments. From my posting back in 2011...... See this link........http://satisfaction.mint.com/mint/topics/cannot_add_my_vanguard_account I tried Mint.com a few weeks ago, and I could not get my vanguard account to be re...
by DaleMaley
Thu Aug 07, 2014 5:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Your opinion of mint.com
Replies: 38
Views: 3102

Re: Who or what inspired you and your investing approach?

In the late 1970's, I used to go over to my friends house and I noticed a Money magazine laying out in his brother's room. I thumbed through it....it looked interesting....so I subscribed to it around 1978. In 1979, I took an adult ed class taught by an Edward Jones broker. As a text book, he used V...
by DaleMaley
Wed Aug 06, 2014 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4429

Re: How much do you spend on your hobby annually?

Dale:

Your woodwork is beautiful! Thank you for sharing.

Note: The first two links did not work for me?

Best wishes.
Taylor[/quote]

Oooops, I did not do the links right..........I fixed them in the original post.......thanks
by DaleMaley
Sun Jul 13, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 7377

Re: How much do you spend on your hobby annually?

My main hobby is woodworking. The good thing about woodworking, once you make the investment in the main power tools, then the on-going expenses are relatively low......wood and consumables (glue, sand-paper, varnish, stain, etc). I probably average less than $1,000 per year the last 10 years on the...
by DaleMaley
Sun Jul 13, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 7377

Re: Investing is starting to get boring

It did not really click in my brain, until I read something written by William Bernstein, there is not that much to investing, compared to other fields like engineering, computer science, or medicine. After reading over 200 books on investing and writing 50+ short stories on investing, I have come t...
by DaleMaley
Sun Jul 13, 2014 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing is starting to get boring
Replies: 39
Views: 4194

Re: Dreman now recommending S&P 500 funds

http://www.cbsnews.com/news/dws-dreman- ... isnt-gold/

Nice article about how Dreman sold his fund and how the ER was raised significantly........
by DaleMaley
Thu Jul 10, 2014 6:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Dreman now recommending S&P 500 funds
Replies: 2
Views: 625

Re: Having Doubts About My 60/40 Allocation

I was 100:0 from age 22 until age 45, then went to 90:10 stocks:bonds. At age 53, I switched from 90:10 to 60:40, and plan to keep it at 60:40 thru retirement. I stayed-the-course through the 1987 1-day crash, the Tech Wreck of 2000, and the Sub-Prime Crash of 2008. It is tough to stay the course at...
by DaleMaley
Fri Jul 04, 2014 8:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Having Doubts About My 60/40 Allocation
Replies: 43
Views: 3134

Re: [Poll] Have you taken any Investments course?

When I got my engineering degree.......about the only investment related classes I had were in regards to payback period for an investment, and the concept of net present value. I did take an elective class in Agricultural Economics........and did learn some basic business concepts....including an i...
by DaleMaley
Sat Jun 21, 2014 10:49 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Have you taken any Investments course?
Replies: 60
Views: 3001

Re: Market fluctuation in late 2008

My chart of typical bubble indicators:

Image
by DaleMaley
Wed May 28, 2014 6:04 am
 
Forum: Investing - Theory, News & General
Topic: Market fluctuation in late 2008
Replies: 51
Views: 3426

Re: [favorite] Boglehead quotes

John Bogle....... Do you really want to invest in a system where you put up 100 percent of the capital, you, the mutual fund shareholder, you take 100 percent of the risk, and you get 30 percent of the return?” Talking about the American 401K system...........http://www.pbs.org/wgbh/pages/frontline/...
by DaleMaley
Tue May 27, 2014 6:36 am
 
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 28
Views: 2708

Re: The in-laws are broke!

The short-term financial health of the parents is just one consideration. There may be tougher situations coming up in the future. One of them could could have health or mental issues and require assisted living or a nursing home. The surviving spouse may also have issues. These longer-term situatio...
by DaleMaley
Mon May 26, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16516

Re: Market fluctuation in late 2008

Back in December of 2007, I did my annual portfolio financial review, and decided to reduce my risk level from 90:10 to 60:40. I did this based upon my age of 52 at that time. I was 100:0 from age 23 until age 45, when I switched to 90:10. My 60:40 portfolio made it a lot easier to stomach the Sub-P...
by DaleMaley
Mon May 26, 2014 8:48 am
 
Forum: Investing - Theory, News & General
Topic: Market fluctuation in late 2008
Replies: 51
Views: 3426

Re: High Net Worth Investing

I like Warren Buffett's perspective on gold investing...as a hedge for future disasters....... in his 2011 annual report........http://www.berkshirehathaway.com/letters/2011ltr.pdf The second major category of investments involves assets that will never produce anything, but that are purchased in th...
by DaleMaley
Wed May 14, 2014 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: High Net Worth Investing
Replies: 68
Views: 7210

Re: what is the hardest financial decision?

For me, staying the course through the Tech Crash of 2000 and the Sub-Prime Crash of 2008 were tough. I also find it hard to annually rebalance when the stock market is really doing well. For other people, I have seen it tough to decide how to invest money received from the death of a family member....
by DaleMaley
Sun May 11, 2014 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: what is the hardest financial decision?
Replies: 55
Views: 5024

Re: IL resident, anyone have issue with state tax?

Back in 1979, I moved back to Illinois from Michigan and had income in both states. Did my returns on paper with a calculator and had no issues. Back in 1999, I moved back to Illinois from Georgia. Again had income in both states. Used Turbotax, filed by paper, and had no issues. I have probably fil...
by DaleMaley
Tue May 06, 2014 6:32 am
 
Forum: Personal Finance (Not Investing)
Topic: IL resident, anyone have issue with state tax?
Replies: 5
Views: 574

Re: Net Worth Survey, 2014 Edition

I ignored the negative net worths, and used net worth without SS or pensions (column F)........

Image

The y-axis is what percent fell into each bucket on the X-axis.
by DaleMaley
Sat Apr 19, 2014 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 22318

Re: The World Top Incomes Database

I did a quick review of the web site.

Looks like you have to search by one country at a time versus being able to search all countries at once.......unless I missed something.
by DaleMaley
Thu Apr 17, 2014 6:24 am
 
Forum: Investing - Theory, News & General
Topic: The World Top Incomes Database
Replies: 5
Views: 1063

Re: Looking at top 1% for actionable insight

An investment manager's viewpoint on the composition of the top 1%.............http://tinyurl.com/ceautt4
by DaleMaley
Tue Apr 15, 2014 3:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 73
Views: 9156

Re: Favorite Investing Book?

The Millionaire Next Door.

Unless you can live below your means, you will never have any money to invest..........which is well illustrated in this book.

My son has read the book, and he even comments once a while...."That person is all hat and no cattle" :happy
by DaleMaley
Mon Apr 14, 2014 7:18 pm
 
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 50
Views: 5043

Re: Death of co-worker

Dale, people dying of heart attacks in their 40s and 50s ?? Was there a common theme for these people? Were they obese? Drug users? Heavy drinkers? Workaholics? Just how common is it to suddenly die of a heart attack in your 50s? Joe, the 48 year old guy: -high stress job -boss was SOB -overweight ...
by DaleMaley
Thu Apr 03, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 10188

Re: Death of co-worker

Just a few years ago, a guy who I worked with for 25 years, passed away at 48. On Friday night, after work, he went grocery shopping with the wife. When they got home, he told the wife to go to bed, and he would rest in the easy chair. Later that evening his teen-age son came home and found his dad ...
by DaleMaley
Wed Apr 02, 2014 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 10188

Re: Expensive hobbies and possessions? (B/c you can...)

[ If you like woodworking, check out my web site at......... http://dalemaley.webs.com/[/quote] The projects on your site are just delightful! :D I love the reproduction of the glass and wood lamp. But my favorite is the lifeguard tower for the garden. I'm going to have to get my husband to build on...
by DaleMaley
Wed Apr 02, 2014 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 14283

Re: Expensive hobbies and possessions? (B/c you can...)

dgdevil wrote:
DaleMaley wrote:If you like woodworking, check out my web site at.........

http://dalemaley.webs.com/


Wow! You're a genius. Amazing ... I'll have 1 of everything, 2 of The Pulverizer ...


Thanks! Glad you enjoyed the web site :D :D
by DaleMaley
Tue Apr 01, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 14283

Re: Expensive hobbies and possessions? (B/c you can...)

Woodworking is my most expensive hobby. I bought my equipment back in the early 1980s and probably spent less than $500. The only ongoing expenses I have are mostly for the wood that I use on the projects........so it is really not that expensive of a hobby. I have made everything from furniture to ...
by DaleMaley
Tue Apr 01, 2014 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 14283

Edward Jones ignores do-not-call lists

http://www.investmentnews.com/article/2 ... /140229895

Edward Jones got in trouble for ignoing the do-no-call law and continuing to make "cold calls" soliciting clients.
by DaleMaley
Fri Mar 14, 2014 7:53 am
 
Forum: Investing - Theory, News & General
Topic: Edward Jones ignores do-not-call lists
Replies: 20
Views: 1681

Nice article on diversified index fund investing

Israelsen has a nice article in latest issue of the Journal of Indexes magazine..........explaining the advantages of using a diversified portfolio of index funds. He graphically shows the class Efficient Frontier, then enhances it using a diversified portfolio. Pretty much the way I invest, except ...
by DaleMaley
Fri Feb 28, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: Nice article on diversified index fund investing
Replies: 2
Views: 432

Re: Net Worth Survey, 2014 Edition

Interesting data. Your r^2 appear to decline in 2014. Are the asset allocations by age more spread out? Are you sampling the same folks? Is there much movement of folks in and out of the sample? Yes, R-squared went down in 2014. All 3 surveys are not statistically valid surveys........they break mo...
by DaleMaley
Sun Jan 12, 2014 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 22318

Re: Net Worth Survey, 2014 Edition

Based upon this latest poll, I was curious to see if Bogleheads asset allocation to stocks versus bonds has changed over the years. I have copies of asset allocation polls done in 2007 and 2011. I downloaded the 2014 poll results into Excel, plotted % stocks versus age, and got the best fit line. ht...
by DaleMaley
Sat Jan 11, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 22318

Re: Home Builder Experience

OP might check out this old posting about building new houses.....

viewtopic.php?f=11&t=107851
by DaleMaley
Fri Jan 10, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Home Builder Experience
Replies: 36
Views: 2597

Re: Asset Allocation for Middle Age

I was 100% stocks from age 22 until age 45 in the year 2000. Each year I do a year-end financial plan review. Although I mentally did not like the idea of investing in bonds versus stocks, I had read enough information to suggest I should transition into bonds as I got older. So I went to 90:10 stoc...
by DaleMaley
Fri Jan 10, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for Middle Age
Replies: 32
Views: 4387

Re: Windows 8/7

Try this -- it helps windows 8 look more like the older systems. http://www.classicshell.net/ Thanks for posting this...........it saved the day for me. My wife bought herself a new laptop and it came with Windows 8.1..........she did not consult with me.....because I would have told her to buy Win...
by DaleMaley
Sun Dec 29, 2013 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4970

Re: Advice on complaining to securities regulators?

You might call your state's Securities Office and talk to them on the phone first. In my state, Illinois, the person there has been very helpful to me over the years. Hopefully they will point you in the best direction.
by DaleMaley
Thu Dec 19, 2013 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on complaining to securities regulators?
Replies: 9
Views: 890

Re: How long do you keep your cars? Why do you replace it?

Until I hit a deer. When I lived in Georgia, the score was 1983 F150 3, and deer 0. Of course the deer there are much smaller than Illinois, where they are corn fed. I hit one deer with my 1999 F150, it made a slight dent and broke the headlight. The 99 is not as sturdily constructed as the 83 mode...
by DaleMaley
Fri Dec 13, 2013 9:51 am
 
Forum: Personal Consumer Issues
Topic: How long do you keep your cars? Why do you replace it?
Replies: 72
Views: 5123

Re: How to dispose of household effects (estate sale?)

Have never dealt with a long-distance issue like this one. Here in the Midwest, we typically hire an auction house to do an estate sale. Some auctioneers have indoors facilities, so auction can be held indoors during inclimate weather. In the 3 summer months, the auction is often held at the house, ...
by DaleMaley
Thu Dec 12, 2013 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: How to dispose of household effects (estate sale?)
Replies: 10
Views: 1158

Re: How long do you keep your cars? Why do you replace it?

83 Ford F150.........sold at 16 years 99 Ford F150.........replaced at 14 years (still have it, plan to sell in Spring 2014) I would have kept the 99 for a couple more years, but no AC for 3 summers and marginal heat for 1 winter.........plus the 2015 and 2016's are supposed to be almost all plastic...
by DaleMaley
Thu Dec 12, 2013 10:05 am
 
Forum: Personal Consumer Issues
Topic: How long do you keep your cars? Why do you replace it?
Replies: 72
Views: 5123

Re: What your your favorite/recommended CLASSIC (old/free) b

I just finished reading another free kindle story, When Wilderness Was King A Tale of the Illinois Country . http://tinyurl.com/kn7gmcg This story is about Fort Dearborn (now Chicago) and the Indian massacre of the Fort's occupants in 1812. During the War of 1812, General William Hull ordered the ev...
by DaleMaley
Tue Dec 10, 2013 7:24 am
 
Forum: Personal Consumer Issues
Topic: What your your favorite/recommended CLASSIC (old/free) books
Replies: 54
Views: 3126

Re: Death Probability Calculator and "matching"

For some reason, the concept of life expectancy is interesting to me. Using data from a couple of sources, I constructed the historical trend in life expectancy. I wish I knew how to make the x-axis lables line up with the right tick marks, but I don't. http://i42.tinypic.com/1ftefn.jpg The interest...
by DaleMaley
Mon Dec 09, 2013 8:53 pm
 
Forum: Investing - Theory, News & General
Topic: Death Probability Calculator and "matching"
Replies: 12
Views: 1526

Re: What your your favorite/recommended CLASSIC (old/free) b

I just got a kindle a few weeks on a special promotion from Amazon for only $29. I did not think I would like it, but it is growing on me. I searched for free history books on Amazon and Project Gutenberg.........and stumbled across this great one....... The Story of a Common Soldier of Army Life in...
by DaleMaley
Mon Dec 09, 2013 7:20 am
 
Forum: Personal Consumer Issues
Topic: What your your favorite/recommended CLASSIC (old/free) books
Replies: 54
Views: 3126

Re: Learn Statistics? How?

I found it takes most people several doses of class work, plus practical applications of statistics, before it really sinks in. I had some basic statistics in engineering classes in college, then a couple of classes at work, some real-world applications, and then my MBA class research project..........
by DaleMaley
Thu Dec 05, 2013 7:54 am
 
Forum: Personal Consumer Issues
Topic: Learn Statistics? How?
Replies: 40
Views: 2512

Re: How do multimillionaires have their money insured?

I guess the short answer is that you do not have any "money" in your brokerage accounts. You hold shares of securities. If you do not have a margin account then those shares never get lent out, never leave your account. Thus there is really no need to insure them. The broker is just holdi...
by DaleMaley
Wed Dec 04, 2013 8:26 pm
 
Forum: Investing - Theory, News & General
Topic: How do multimillionaires have their money insured?
Replies: 10
Views: 2127

Re: Finishing a Basement

I live in PA too. It seems like you already got some great advice. One thing I wouldn't focus on is cost. There are just too many variables...from the person who plans to paint the walls, to the person who goes all high end. I had my basement done about 5 years ago and it cost me $40,000 for 1,000 ...
by DaleMaley
Wed Dec 04, 2013 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Finishing a Basement
Replies: 30
Views: 2395

Re: Finishing a Basement

Back in the late 1970s, before college costs skyrocketed.........I paid for my college my working summers as a plumber, electrician, HVAC, and carpenter. I am finishing my 5th basement right now. I did 3 for myself and 2 for family members. Square footage from 800 to 2800 square feet. I did my own d...
by DaleMaley
Tue Dec 03, 2013 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Finishing a Basement
Replies: 30
Views: 2395

Re: Why is the SS website closed?

I logged in ok at 7:35am CST today (sunday) using Google Chrome and Windows 7.

Retrieved my earnings statement ok.
by DaleMaley
Sun Dec 01, 2013 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Why is the SS website closed?
Replies: 25
Views: 2139

Re: Rebalancing on Friday

I do a personal financial review each year at year-end, and I rebalance if my actual AA is more than 5% from my target 60:40 AA. At the 2012 review, I was 63:37, not at the 65:35 that would trigger rebalancing.......so I did not rebalance in Jan 2013. Now I am at 69:31, so I entered my order to sell...
by DaleMaley
Fri Nov 29, 2013 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Rebalancing on Friday
Replies: 37
Views: 2945

Re: Elderly parents heavily invested with Edward Jones- help

I have helped many people move assets from Edward Jones including my mother and my mother-in-law when their husbands passed away. One of the people I helped move from Jones to Vanguard, Jones had some of the money invested in an in-house stock fund. It was mostly invested in utities, but I was unabl...
by DaleMaley
Thu Nov 28, 2013 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Elderly parents heavily invested with Edward Jones- help
Replies: 28
Views: 6499

Re: Average Yearly Raises?

I did corporate compensation and benefits for a number of years when I younger (I'm retired now)-----what you will find is the the single largest independent variable driving salary (and hourly pay) increases is CPI. Absent job changes (e.g., promotions, demotions, etc.) salaries tend to increase o...
by DaleMaley
Sun Nov 24, 2013 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Average Yearly Raises?
Replies: 97
Views: 5534

Re: Average Yearly Raises?

I entered results into Excel:

n=26
Pay Raise average CAGR = 8.74%
Pay Raise median CAGR = 7.1%

Average Years Worked = 16.9
Median Years Worked = 15.0

Image
by DaleMaley
Sun Nov 24, 2013 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Average Yearly Raises?
Replies: 97
Views: 5534
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