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Re: What makes you happy in life?

Many things large and small make me happy, including making others happy if I can. But what often most deeply pleases me is kindness. I love showing kindness, receiving it, and even witnessing it among others.
by Fallible
Sun Dec 21, 2014 2:24 am
 
Forum: Personal Consumer Issues
Topic: What makes you happy in life?
Replies: 29
Views: 1744

Re: Regulatory guidance - occupation information requirement

I am an official of a regulated financial entity that must comply with these kinds of statutory and regulatory requirements. While it is always possible that an institution may be looking for marketing/sales opportunities, what is being described, IMO, is to comply with anti-money laundering, anti-...
by Fallible
Sat Dec 20, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Regulatory guidance - occupation information requirement
Replies: 27
Views: 2110

Re: Keynes’s Investment Principles

John Wasik's 2013 book, Keynes's Way to Wealth is very good on his investing faults and triumphs, though I expect everyone on this thread already knows of it.
by Fallible
Fri Dec 19, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: Keynes’s Investment Principles
Replies: 20
Views: 3238

Re: HOA Townhouse Reserve Amount

chaz wrote:Get a reserve study done by a specialist.


I agree. My townhouse association hired a specialist several years ago, followed his recommendations, and we now have what we hope are sufficient reserve funds.
by Fallible
Thu Dec 18, 2014 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA Townhouse Reserve Amount
Replies: 9
Views: 774

Re: The ABCs of Common Sense Investing (rhyme time)

A fun read and what effort you put into it! My favorite was the last and the two key Bogleheads words: "simple" and "enough."

"Z is for Zen,
simple peace in your niche.
To know you have enough
is to be rich."

Happy Holidays!

Fallible
by Fallible
Wed Dec 17, 2014 10:07 pm
 
Forum: Investing - Theory, News & General
Topic: The ABCs of Common Sense Investing (rhyme time)
Replies: 9
Views: 1056

Re: Free course on 1400-1800 art

It looks very interesting - I love the meaning behind all art, not that I always understand it. Will also pass it on to a relative who once taught Spanish and to friends who visit Spain often and might enjoy it. Thanks for the link.
by Fallible
Wed Dec 17, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Free course on 1400-1800 art
Replies: 7
Views: 968

Re: Why a Boglehead doesn't invest in individual companies?

Hi there, Continuing my journey to becoming a Boglehead, I want to know why you don't invest in individual companies? High risk the only reason? Are index funds just easier? OR do you go against being a complete Boglehead and invest a portion of your portfolio in individual companies? As I'm still ...
by Fallible
Wed Dec 17, 2014 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why a Boglehead doesn't invest in individual companies?
Replies: 57
Views: 5173

Re: Regulatory guidance - occupation information requirement

I agree with those who question this, especially the money-laundering reference. My question is what exactly is the occupation information requested? Also suggest you contact someone at USAA to verify they sent it and why and whether it is required or simply being requested, the latter meaning you ...
by Fallible
Wed Dec 17, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Regulatory guidance - occupation information requirement
Replies: 27
Views: 2110

Re: Should I buy house with a crack?

> people who undertake the effort, time and money to visit homes with the intent of purchasing it don't back out of the contract for "minor things" Umm, this would be true if all buyers were rational actors. I'm pretty sure they aren't. > FWIW, I would not buy this house and I would find ...
by Fallible
Tue Dec 16, 2014 8:54 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy house with a crack?
Replies: 29
Views: 3204

Re: Regulatory guidance - occupation information requirement

While logging into my USAA account this evening I was prompted to provide occupation information. Here is the exact wording in the dialog box, To comply with regulatory guidance and to aid in the prevention of money laundering, we are requesting your occupation information. Has anyone else seen thi...
by Fallible
Tue Dec 16, 2014 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Regulatory guidance - occupation information requirement
Replies: 27
Views: 2110

Re: WHY is retirement enjoyable / something to look forward

Many say they can't wait to reach retirement. More than a few who say that, I think, when they were in their 20s just starting out, felt as if they wanted nothing to do but work and get ahead more. What is it that changes to when in people's 40s and 50s they can't wait to retire? I've heard people ...
by Fallible
Tue Dec 16, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 145
Views: 8764

Re: How FINRA saved my Grandma's bacon

Does your grandmother understand what happened well enough to prevent something like this from happening to her again? I'm wondering whether there might be other steps you and your mother could take to protect her. Yes, I think so. The point I hoped to make in this thread is that FINRA provides a n...
by Fallible
Mon Dec 15, 2014 6:24 pm
 
Forum: Investing - Theory, News & General
Topic: How FINRA saved my Grandma's bacon
Replies: 21
Views: 2013

Re: 100% equities - my reasoning

privatefarmer, Let me set aside the questions of whether you are emotionally and financially constituted to bear the risk of 100% equities. Although these are perhaps the big questions here, they have been well addressed by other commenters. ... Responding to this portion alone of your post, I agre...
by Fallible
Mon Dec 15, 2014 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: 100% equities - my reasoning
Replies: 91
Views: 5925

Re: Should I buy house with a crack?

If the house is what you want and checks out well in all other areas, then have a foundation expert check the crack. You said the crack is a quarter-inch wide, but is it that for the entire crack? Also, how deep is it and does that depth run the entire crack or are there areas where it is deeper and...
by Fallible
Mon Dec 15, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy house with a crack?
Replies: 29
Views: 3204

Re: How FINRA saved my Grandma's bacon

Does your grandmother understand what happened well enough to prevent something like this from happening to her again? I'm wondering whether there might be other steps you and your mother could take to protect her.
by Fallible
Mon Dec 15, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: How FINRA saved my Grandma's bacon
Replies: 21
Views: 2013

Re: Great Graphic

CyberBob,

If the drawing you posted is what the OP is talking about, it may need credit. It's a drawing by Carl Richards (who also wrote a book, The Behavior Gap).
by Fallible
Mon Dec 15, 2014 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Great Graphic
Replies: 5
Views: 986

Re: 100% equities - my reasoning

OP, if I read you right, in a nutshell: -You want to add risk to an already high-risk allocation in order to possibly make a little more money (no mention of possibly losing) because you are “irked” that you are losing just a little bit of money with bonds. -And you want to do this even though you h...
by Fallible
Sun Dec 14, 2014 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: 100% equities - my reasoning
Replies: 91
Views: 5925

Re: At what age did you find dream job?

I was 25 when I began a long career in which I could write and be in the thick of things. It was 1968, that year of relentless tumultuous, tragic events, and the career was journalism.
by Fallible
Sun Dec 14, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what age did you find dream job?
Replies: 32
Views: 2698

Re: Does your work define you?

Dictionary.com: Define means to explain or identify the nature or essential qualities of... Bogleheads, Lately I've been feeling like my work defines me. I'm not sure if this is good or bad. I have hobbies, things I love to do outside of work, but I just feel like work defines me. It's where I have...
by Fallible
Sun Dec 14, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Does your work define you?
Replies: 30
Views: 2724

Re: Very strange burglary

Did you ask the police what they think or how they are investigating this?
by Fallible
Fri Dec 12, 2014 8:53 pm
 
Forum: Personal Consumer Issues
Topic: Very strange burglary
Replies: 41
Views: 4685

Re: Why don't YOU follow Buffett's advice?

I found Fallibles comments laughable. A number of months ago I posited that 80% stocks, 20% cash was a portfolio that would work without the volatility of a mixed stock, bond, cash portfolio. Larry swedroe dissed my comment. A month later, the Buffett portfolio came out. What people keep forgetting...
by Fallible
Fri Dec 12, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 8121

Re: How to teach young kids to be frugal?

How do you teach them to be frugal when you have the money to give them what they want? I grew up without a lot of money. We didn't buy books. We go to the library. I had perhaps 5 stuff animals growing up and hardly any toys. I knew not to ask for things because my parents can't afford it. I work ...
by Fallible
Fri Dec 12, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to teach young kids to be frugal?
Replies: 65
Views: 4168

Re: Why don't YOU follow Buffett's advice?

Buffett's advice, or, more accurately, a one paragraph comment in a larger context, is something that's been repeated by many investment advisors through the years. The simple interpretation is inarguably the correct one: - Stocks typically are the riskiest investments short-term. Which means, over...
by Fallible
Fri Dec 12, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 8121

Re: Why don't YOU follow Buffett's advice?

I think this thread is proving, again, that Larry Swedroe was correct when he wrote on an earlier thread how investors admire Buffett, yet ignore his advice. He also wrote a book about it that I mentioned here earlier, Think, Act, and Invest Like Warren Buffett . Here's the thread about Swedroe's bl...
by Fallible
Thu Dec 11, 2014 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 8121

Re: "Why Retirement at 65 is a Fairy Tale"

The article ends, "That we all invest in our health and stay on the job as long as we can." This seems contradictory since staying in a job indefinitely, especially one no longer liked, could be investing in poor health. The stress and effects from
it would be hard to avoid.
by Fallible
Wed Dec 10, 2014 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 11547

Re: Why don't YOU follow Buffett's advice?

I don't follow Buffett's advice to the letter because I am not a billionaire, nor have I ever been a billionaire, nor will I ever be a billionaire. +1 and would add that I don't follow Buffett's advice to the letter because I lack his billions and the financial genetics and genius that helped him m...
by Fallible
Wed Dec 10, 2014 6:14 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 8121

Re: Instruments and kids

My oldest entered fourth grade this year, the first year our school offers individual instrumental music instruction. They were introduced to recorders in 3rd grade but 4th grade is when they get to select what they want to play, start band, etc. My daughter talked non-stop about playing the flute ...
by Fallible
Wed Dec 10, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Instruments and kids
Replies: 31
Views: 1920

Re: Instruments and kids

lululu wrote:No offense intended to people who actually like to play the piano, but boring boring boring. 99% of people must be started on that.


What is boring - the instrument or the posts on it?
by Fallible
Tue Dec 09, 2014 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Instruments and kids
Replies: 31
Views: 1920

Re: How to Think About Risk in Retirement - Bernstein

In other words, if you have enough set aside in very safe assets to provide for your expenses until approximately age 100 (aka liability matching portfolio), then you can do whatever you want with the rest, including putting all of the excess into equities. I'm concerned that people who don't have ...
by Fallible
Tue Dec 09, 2014 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: How to Think About Risk in Retirement - Bernstein
Replies: 64
Views: 7874

Re: thank you note following interview (best way)

I once changed my hiring decision because I did not like the note I received from a candidate after an interview. The note revealed a bit about that candidate's personal communication style and instincts about what was appropriate that had not shown up in the interview (it was a cutesy kind of card...
by Fallible
Tue Dec 09, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: thank you note following interview (best way)
Replies: 21
Views: 1449

Re: thank you note following interview (best way)

The best way is to send an email on the same day, quickly thanking them for their time and including one sentence that briefly reinforces something that came up during the interview that illustrates why you are a great candidate. Sending material through the mail is slow and risks coming across as ...
by Fallible
Tue Dec 09, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: thank you note following interview (best way)
Replies: 21
Views: 1449

Re: What do you splurge on?

I seem to lack an urge to splurge, especially in retirement, and it may be because I have a greater urge to find good bargains. Then too, splurging is usually defined as spending "freely and extravagantly" and my spending doesn't seem to be either. If I pay a bit more than usual for an ite...
by Fallible
Tue Dec 09, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 234
Views: 20829

Re: Bogle on the past and future of investing

JB summarized his views on index investing, ETFs, international investing, Fama-French, age in bonds, and the risks of investing in today's world. A great interview that cuts through all the noise. ... It's more like he's simply above the noise, but your mention of cutting through it reminds me of ...
by Fallible
Mon Dec 08, 2014 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle on the past and future of investing
Replies: 15
Views: 2157

Re: How to Think About Risk in Retirement - Bernstein

I think Bernstein does a better job explaining the logic than Pfau and Kitces did. It remains very compelling to me. Bernstein is an excellent writer and this piece is clear and straightforward, helping me to understand the choices. He always adds a little humor here and there, such as in this summ...
by Fallible
Sun Dec 07, 2014 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: How to Think About Risk in Retirement - Bernstein
Replies: 64
Views: 7874

Re: Did you parents and your childhood effect the way you ha

... After watching frugality play out over a lifetime with my mother and seeing her pass with a healthy bank account I often wonder what was the point of all that self-denial she was never able to turn off. I am sure there were reasons in her childhood why she was the way she was, but I am sad they...
by Fallible
Sun Dec 07, 2014 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did your parents/childhood affect the way you handle money?
Replies: 29
Views: 2055

Re: Instruments and kids

This previous topic on music and kids may be helpful: http://www.bogleheads.org/forum/viewtop ... 15889&f=11
by Fallible
Sat Dec 06, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Instruments and kids
Replies: 31
Views: 1920

Re: Best book on Finance I ever read, Ben Graham's Intellige

I don't think it was necessarily Zweig trying to steer people towards passive indexing. Graham himself repeatedly emphasized it: It is true that the art of skillful or shrewd investment is supposed to lie particularly in the selection of issues that will give better results than the general market....
by Fallible
Sat Dec 06, 2014 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: Best book on Finance I ever read, Ben Graham's Intelligent I
Replies: 35
Views: 4279

Re: mother-in-law wrecked our car

Various sources are available to help explain the many causes of "pedal misapplication" and one of the best is from the National Highway Traffic Safety Administration on "Pedal Application Errors." Here's the link: http://www.nhtsa.gov/staticfiles/nti/pdf/811597.pdf‎ Interesting...
by Fallible
Sat Dec 06, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 5275

Re: mother-in-law wrecked our car

Various sources are available to help explain the many causes of "pedal misapplication" and one of the best is from the National Highway Traffic Safety Administration on "Pedal Application Errors." Here's the link: http://www.nhtsa.gov/staticfiles/nti/pdf/811597.pdf‎ thanks for ...
by Fallible
Fri Dec 05, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 5275

Re: mother-in-law wrecked our car

Various sources are available to help explain the many causes of "pedal misapplication" and one of the best is from the National Highway Traffic Safety Administration on "Pedal Application Errors." Here's the link:
http://www.nhtsa.gov/staticfiles/nti/pdf/811597.pdf
by Fallible
Fri Dec 05, 2014 7:48 pm
 
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 5275

Re: mother-in-law wrecked our car

I couldn't say for certain whether your insurance will increase, but I do hope you'll strongly encourage your MIL to see her doctor, let him or her know of the accident, and have a complete medical checkup. It's also possible she suffered some injury herself that she hasn't yet realized. Also, I wou...
by Fallible
Fri Dec 05, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 5275

Re: Bogle puts a bow on it in under 15 minutes

I really liked the first video in the series when talks about how he grew up and those first few years of college. To bad you can't hear the interviewer. https://www.youtube.com/watch?v=SLUN_iUfudw ... You should be able to hear the interviewer just by turning your sound way up, but you can also re...
by Fallible
Fri Dec 05, 2014 2:08 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle puts a bow on it in under 15 minutes
Replies: 21
Views: 4380

Re: Stanley Kubrick's 2001 a space odyssey

Ged wrote:I think it's a movie populated with a grab bag of themes mooshed together to provoke the audience into coming up with their own ideas. ...


Well, even if it that wasn't the intention, that's pretty much what resulted - everybody coming up with their own ideas.
by Fallible
Thu Dec 04, 2014 8:45 pm
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 3965

Re: Favorite nonfiction books

I read mostly nonfiction and I like most of what I read. My all-time favorite is: The Black Swan by Nassim Nicolas Taleb. Other books that influenced and enriched me include: Predictably Irrational by Dan Ariely Thinking, Fast and Slow by Daniel Kahneman Stumbling on Happiness by Daniel Gilbert Man...
by Fallible
Thu Dec 04, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 9700

Re: Favorite nonfiction books

Way too many to list, but going by the more recent and most marked-up of books I've acquired, and in no particular order: Where Are the Customer's Yachts? by Fred Schwed Jr. The Big Short by Michael Lewis The Little Book of Common Sense Investing by John Bogle What Do You Care What Other People Thin...
by Fallible
Thu Dec 04, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 9700

Re: Someone explain why bond funds are "safe?"

So I am thinking of putting a small amount of my portfolio in a bond fund. I've been doing research, and my understanding is that while individual bonds (if held to maturity) do not lose value, bond funds DO lose value if interest rates rise. If rates rise, the underlying NAV will go down (because ...
by Fallible
Thu Dec 04, 2014 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Someone explain why bond funds are "safe?"
Replies: 33
Views: 2641

Re: Bogle puts a bow on it in under 15 minutes

I originally came across this video in a post from stemikger. Personally I think I will watch it at least once a month for the remainder of my active investing life, maybe weekly. The video and the approach from Mr. Bogle just hit home with me. https://www.youtube.com/watch?v=k6ra5POdsYg It's a gre...
by Fallible
Thu Dec 04, 2014 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle puts a bow on it in under 15 minutes
Replies: 21
Views: 4380

Re: Stanley Kubrick's 2001 a space odyssey

Renata Adler's review in the New York Times when it opened is spot on: The whole sensibility is intellectual fifties child... And as an intellectual fifties child, I liked that. There do seem to be some echoes of The Day the Earth Stood Still. .. I don't quite see the "echoes." Going by s...
by Fallible
Thu Dec 04, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 3965

Re: Stanley Kubrick's 2001 a space odyssey

I was standing on a plateau perhaps a hundred feet across. It had once been smooth-too smooth to be natural-but falling meteors had pitted and scored its surface through immeasurable eons. It had been leveled to support a glittering, roughly pyramidal structure, twice as high as a man, that was set...
by Fallible
Wed Dec 03, 2014 11:09 pm
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 3965
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