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Re: Approach to Second Act Career Switch

Just saw this on the Oblivious Investor site that you may find helpful:
http://squaredawayblog.bc.edu/squared-a ... ce-stress/
by Fallible
Fri Apr 24, 2015 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Approach to Second Act Career Switch
Replies: 15
Views: 1043

Re: A Great List of Useless Financial Porn Phrases

We turn your money and our experience into our money and your experience. Golden. I am tempted to make 1000 fancy cards showing this exact phrase, and sharing with every boglehead. ... Agree with "golden," but a true Boglehead card would be not fancy but plain, e.g., livesoft's line in si...
by Fallible
Fri Apr 24, 2015 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 26
Views: 2910

Re: Blacktop Driveway Sealing

My company sold our products to professional driveway sealer companies and they were known to water them down as much as 50%. That's really distressing! How do we know if they are doing this? Is the sealer thinner - how thin would a high quality sealer be? Do we see them adding water to their bucke...
by Fallible
Fri Apr 24, 2015 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Blacktop Driveway Sealing
Replies: 20
Views: 1459

Re: What is too long to stay the course?

Very few people put their life savings into the market at the high-water mark of the NASDAQ. Even fewer of those who did, then did not go on and invest more money over the years. Let's face it, if the course is stupid, then one should not even be on that course in the first place. This. Plus NASDAQ...
by Fallible
Fri Apr 24, 2015 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: What is too long to stay the course?
Replies: 43
Views: 2620

Re: What is a Boglehead?

Invests sensibly, simply.
by Fallible
Thu Apr 23, 2015 6:55 pm
 
Forum: Investing - Theory, News & General
Topic: What is a Boglehead?
Replies: 42
Views: 1657

Re: Coming to terms with low risk tolerance

I what I find most interesting is that 2009 has changed the psychology of investors in an interesting way -- the rapid recovery from the massive loses has made people more risk tolerant with the stock market, cause they inherently believe it is guaranteed to rebound and continue upward. I think the...
by Fallible
Thu Apr 23, 2015 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Coming to terms with low risk tolerance
Replies: 46
Views: 3414

Re: Coming to terms with low risk tolerance

I suggest you also read Dr. Bernstein's little booklet for Millennials: http://www.etf.com/docs/IfYouCan.pdf Choose an AA that lets you sleep at night. No one knows what will happen in the future. Young people are forgetting or haven't lived through the severe drops of 2008-9. One thing I would sug...
by Fallible
Thu Apr 23, 2015 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Coming to terms with low risk tolerance
Replies: 46
Views: 3414

Re: Is this a reasonable request for broker?

Did they say why they can't do it?
by Fallible
Thu Apr 23, 2015 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Is this a reasonable request for broker?
Replies: 13
Views: 1058

Re: A Great List of Useless Financial Porn Phrases

bertilak wrote:
Fallible wrote:There are more, but I'll end here.

That's all I need! Where do I sign?

:)

Here's another from Zweig's list that I probably should've included: "Low risk, high return."
by Fallible
Thu Apr 23, 2015 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 26
Views: 2910

Re: A Great List of Useless Financial Porn Phrases

In his The Little Book of Safe Money , Jason Zweig includes "words and phrases that shysters are fond of and that financially legitimate people are very unlikely to use: Secret. Can't lose. Earn $XXXX per week. Free money. I'm on your side. Limited-time offer. Offshore. I would never lie to you...
by Fallible
Thu Apr 23, 2015 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 26
Views: 2910

Re: Blacktop Driveway Sealing

Our townhome association handles the sealcoating for our asphalt/blacktop driveways, and the sealants on just about all 75 units last about two years max. I have heard that how long it lasts depends on how large and level the driveways are (most of ours are fairly long - four cars) and the age of th...
by Fallible
Thu Apr 23, 2015 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Blacktop Driveway Sealing
Replies: 20
Views: 1459

Re: Mistakes, Regrets & Stupidity - collection of past threa

Nice compilation for easy reference. We see both "bragging" and "reverse bragging" on the forum, usually starting with the reverse because we come here to correct our investing mistakes. Once we have made the corrections and are on the right road or have reached our destinations,...
by Fallible
Thu Apr 23, 2015 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Mistakes, Regrets & Stupidity - collection of past threads
Replies: 6
Views: 1340

Re: What Movie Have You Recently Watched?

My wife and I enjoyed Imitation Game. I think we benefited from knowing very little about the actual facts of the story going into it. On Gone Girl, we both read the book and almost immediately afterward watched the movie. I think because of that we didn't really enjoy the movie. Spoilers:... Would...
by Fallible
Wed Apr 22, 2015 12:48 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 769
Views: 102945

Re: What Movie Have You Recently Watched?

Have those criticizing the Gone Girl movie read the Gone Girl book? I read the book when it first came out. I didn't think it was as good as her first two books. More than that, I was kind of surprised to hear that they were going to make a movie out of the book, since I couldn't see how the book, ...
by Fallible
Tue Apr 21, 2015 8:20 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 769
Views: 102945

Re: What Movie Have You Recently Watched?

Saw Gone Girl and thought it predictable, at times silly, and overall boring... SPOILERS: OK, since several recent posters have put Gone Girl on the table for discussion and I saw it recently, let me add my $0.02. I rated it 3 stars out of 5; most critics seem to have liked it more than I did. I do...
by Fallible
Tue Apr 21, 2015 7:15 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 769
Views: 102945

Re: The real reason for the flash crash?

It appears authorities think he was not the sole cause of the crash, but played a key role in helping cause it. Will be interesting to learn more as the case develops. Thanks for the link.
by Fallible
Tue Apr 21, 2015 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: The real reason for the flash crash?
Replies: 5
Views: 944

Re: What Movie Have You Recently Watched?

Saw Ida and thought it a great film in many ways, although I don’t understand why Ida returned to the convent. She gave no obvious indication of her reasons that I could see, yet her character seemed to be one that would take more time to at least seriously contemplate another life, especially after...
by Fallible
Mon Apr 20, 2015 1:05 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 769
Views: 102945

Re: Coming to terms with low risk tolerance

I will agree with what most people have said on the board - invest at the risk level that you are comfortable with. That being said, lower risk means lower return. This leaves you with two choices. If you are going to pick a lower risk profile you are either going to need to increase your contribut...
by Fallible
Sun Apr 19, 2015 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Coming to terms with low risk tolerance
Replies: 46
Views: 3414

Re: Coming to terms with low risk tolerance

The last few months, especially since joining this board, have made me reflect deeply on my financial personality. I'm not so slowly realizing that I have lower, perhaps much lower, risk tolerance than is "ideal" for my demographics. My attitude seems to be common among people of the mill...
by Fallible
Sun Apr 19, 2015 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Coming to terms with low risk tolerance
Replies: 46
Views: 3414

Re: "What Experts Say About Jack Bogle"

These quotes capture the essence of the man. Thanks for posting, Taylor.
by Fallible
Fri Apr 17, 2015 11:52 pm
 
Forum: Investing - Theory, News & General
Topic: "What Experts Say About Jack Bogle"
Replies: 7
Views: 2019

Re: NY Times Article - Active Mutual Funds

From the article: "The Morgan Stanley report says that investors can benefit from actively managed mutual funds by carefully choosing funds that focus on areas where it is easier for active managers to outperform, like international and small company stocks." Huh? What investors would kno...
by Fallible
Fri Apr 17, 2015 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times Article - Active Mutual Funds
Replies: 25
Views: 3028

Re: NY Times Article - Active Mutual Funds

From the article: "The Morgan Stanley report says that investors can benefit from actively managed mutual funds by carefully choosing funds that focus on areas where it is easier for active managers to outperform, like international and small company stocks." Huh? What investors would know...
by Fallible
Fri Apr 17, 2015 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times Article - Active Mutual Funds
Replies: 25
Views: 3028

Re: Humorous Investing are Videos are Back Up!

Boglenaut, It's good to see these again, especially the good guy in white in the first video. His manner is all passive investing: simple, common sensical, questioning, disciplined, stay the course, and, yes, boring. I think it would be great if you brought him back in a new video, even build a seri...
by Fallible
Thu Apr 16, 2015 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: Humorous Investing are Videos are Back Up!
Replies: 8
Views: 1410

Re: [retired guy said] terrible crash is coming

Dr. Ron Paul , politician for many years, and was a possible presidential candidate says a crash is coming similar to 2008 or worse. Anybody know anything about this ?? Are you referring to Paul's comments in a CNBC article of July last year? "Ron Paul, the former U.S. representative from Texa...
by Fallible
Wed Apr 15, 2015 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 71
Views: 8341

Re: Does your family know about your net worth (ball park)?

From looking at the recent annual income poll result, I think most BHs are already millionaires or will become one. The results of that poll are not credible. A lot of people did not participate and there is no way to know if people were being honest. I did not participate. ... This is a good remin...
by Fallible
Wed Apr 15, 2015 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 11214

Re: Safari Not Work on iPad

OP again: Problem solved, at least for now. I recharged to 100% (it was at 80% when the problem began) then powered off and on and everything came back. Still don't know why it didn't work before or why the screen went dark and I couldn't unlock. Thanks again to all. mhalley, no Apple watch this tim...
by Fallible
Tue Apr 14, 2015 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Safari Not Work on iPad
Replies: 12
Views: 1270

Re: Safari Not Work on iPad

First I'd verify that you have network connectivity - can you use other aps, like iTunes ok? Is your ipad using wifi or cellular for connectivity? It uses wifi. I posted again yesterday the screen went dark when I swiped to unlock so the problem may be beyond Safari. I'll take it to the Apple Store...
by Fallible
Tue Apr 14, 2015 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Safari Not Work on iPad
Replies: 12
Views: 1270

Re: Safari Not Work on iPad

The Safari problem is now the least of my worries - the entire machine is down. It won't unlock when I swipe and after a few tries, the screen went dark. I assume it's all related and probably a virus, but will find out for certain at the Apple Store. Thanks all for your help. If anyone has any idea...
by Fallible
Mon Apr 13, 2015 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Safari Not Work on iPad
Replies: 12
Views: 1270

Safari Not Work on iPad

Am having a first problem with Safari on my mini iPad. When I try to use it, I get this message: "Safari cannot open the page because it could not connect to the server." Yet Safari is working fine on my Mac desktop.

Has anyone had this problem or know how to fix? Thanks.

Fallible
by Fallible
Mon Apr 13, 2015 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Safari Not Work on iPad
Replies: 12
Views: 1270

Re: Household Gross Income Poll

Surprised how many commented this poll made them "feel bad" and that it wasn't "actionable." One of the things I have really appreciated on Bogleheads (I joined with an income under $40K and a net worth under $15K) is the ability to get advice from those who have been there and ...
by Fallible
Mon Apr 13, 2015 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12527

Re: Household Gross Income Poll

I disagree; find this poll extremely actionable for all posters/participants/readers of the forum. For presumably similar motivations, I posted a more black and white version of the same poll a few years ago: http://www.bogleheads.org/forum/viewtopic.php?t=69143 There are two categories of advice o...
by Fallible
Sun Apr 12, 2015 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12527

Re: Household Gross Income Poll

Agree on concerns about the impact on the lower-income Bogleheads and Bogleheads-to-be, some of which we've already seen on the forum. I've also been concerned when poll findings of 100 or 200 posters are referred to as what the "Bogleheads" are, or are thinking or doing, and how that can ...
by Fallible
Sun Apr 12, 2015 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12527

Re: Personal Financial Snapshot: Invest now?

Paying down your debt is a form of investment with a guaranteed return rate. Perfectly put. In looking over this serious debt, I was reminded of the opening chapter in Jane Bryant Quinn's book, Making the Most of Your Money Now . The chapter title is "Finding Your Financial Self." I would...
by Fallible
Sun Apr 12, 2015 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal Financial Snapshot: Invest now?
Replies: 9
Views: 819

Re: What Movie Have You Recently Watched?

The Sound of Music , 1965, Julie Andrews, based on the Rodgers and Hammerstein musical. Yep. I've seen it a few times and I've seen amateur presentations of the stage version a few times, but there's a lot of publicity because of it being the 50th anniversary and now that I have a 40" flat-scr...
by Fallible
Sun Apr 12, 2015 12:19 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 769
Views: 102945

Re: regret and depression...how to deal with it

How do you guys deal with the "had I", "if I ", etc? I realize I'm still better off than 99% of people my age (you are too). Perspective matters. Also, you learned an important lesson the last several years, one you may not have learned if thought you were "done". It w...
by Fallible
Sat Apr 11, 2015 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5757

Re: What Movie Have You Recently Watched?

I was forced to rewatch Titanic last night, because my daughter got to pick a movie. It's maybe the most overrated movie ever. All special effects and bad screenwriting. Here's the plot: A really rich, good looking guy gets his fiance' -- Kate Winslett -- the biggest diamond in the world. he then t...
by Fallible
Sat Apr 11, 2015 5:55 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 769
Views: 102945

Re: Jane Bryant Quinn: Prepay your mortgage

The article doesn't really address the "why" someone should do this and focuses a lot more on the "how," and just sort of presumes that paying it off is the obvious best choice. The assumption that it looks like underlies the article is that the target audience does not have a l...
by Fallible
Sat Apr 11, 2015 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn: Prepay your mortgage
Replies: 31
Views: 3686

Re: Indicator of a bad advisor?

I've seen a lot of threads here about bad advisors. But recently I heard something new. My elderly MIL has a 2% AUM financial advisor. My wife and I have long been leery of him, if for no other reason that he was unable to make money in 2013. And a CPA helping MIL with her taxes last week added thi...
by Fallible
Sat Apr 11, 2015 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Indicator of a bad advisor?
Replies: 13
Views: 1661

Re: Declining to continue Interview Process

epitomist wrote:Why not go on the second interview and see if your good fortune turns even more positive?


Agree. It seems there would be nothing to lose by doing so.
by Fallible
Fri Apr 10, 2015 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Declining to continue Interview Process
Replies: 26
Views: 3165

Re: Bored -- wondering about day trading for fun

I've been on the sell side of this business for almost 20 years now...stocks, bonds, options, mutual funds...both retail and institutional...I've seen a lot. We have a phrase for what you are talking about...we call it "paying your stupidity tax." I recall a time in the past year or two w...
by Fallible
Fri Apr 10, 2015 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: Bored -- wondering about day trading for fun
Replies: 61
Views: 5601

Re: Jason Zweig on hair-trigger trading

Another good Zweig article and thanks for posting. Financial myopia certainly would describe one of the most common of investor misbehaviors: focusing on the short term (made easier by trading technology) rather than the long term. Interesting, too, his comment that psychologists have shown that &qu...
by Fallible
Fri Apr 10, 2015 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: Jason Zweig on hair-trigger trading
Replies: 4
Views: 815

Re: Bogle: Investors are Now Drving Ethics

Most 85 year olds would be delighted that there is anyone out there who gives a hoot about what they think about anything. Mr. Bogle must be having a ball doing all these telephone, radio, at TV interviews and seeing interviewers half his age hanging on to every word that he says. It is doubly fun ...
by Fallible
Wed Apr 08, 2015 10:42 am
 
Forum: Investing - Theory, News & General
Topic: Bogle: Investors are Now Drving Ethics
Replies: 6
Views: 1201

Re: "Are Index-Fund Investors Smarter?"

It bugs me that they use the word "smarter". There are many types of intelligence, intelligence is not equal to wisdom, and neither are equal to informed. Index fund investors may be more informed about historical fund performance. That doesn't mean they are smarter overall. A good point ...
by Fallible
Wed Apr 08, 2015 10:02 am
 
Forum: Investing - Theory, News & General
Topic: "Are Index-Fund Investors Smarter?"
Replies: 29
Views: 3418

Re: Bored -- wondering about day trading for fun

Boglehead investing is, let's face it, boring. At least, the conservative asset allocation I use is (very boring): 30% stocks, 70% TSP G fund and bonds. So I'm thinking about starting a tiny little day-trading thing, like $1,000 or so, if you can do it for that little. Is that small a sum feasible ...
by Fallible
Sun Apr 05, 2015 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: Bored -- wondering about day trading for fun
Replies: 61
Views: 5601

Re: What Movie Have You Recently Watched?

abuss368 wrote:Manchurian Candidate with Denzel Washington on Netflix. Excellent!


I'd like to see this remake. Did you see the original?
by Fallible
Sun Apr 05, 2015 9:09 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 769
Views: 102945

Re: Zweig's Latest Blog Post/Column

Any debate between JB and James Grant is one I would very much like to listen to.....Grant has been a well-respected bonds expert on Wall Street for decades.....if memory serves me correctly, he was one of the very first to be skeptical about the complicated bond derivatives that arose in the 1980'...
by Fallible
Sat Apr 04, 2015 4:32 pm
 
Forum: Investing - Theory, News & General
Topic: Zweig's Latest Blog Post/Column (Bogle vs. Grant Debate)
Replies: 7
Views: 1734

Re: Did you learn anything from 2008?

I learned we could have another Great Depression, if not this time, maybe next.
by Fallible
Fri Apr 03, 2015 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 8502

Re: Considering Doing My Own Investing...but I'm not sure I

Welcome to the forum! As for DIY, you are one of the strongest candidates for it than any I've seen - go for it. What investing books and articles have you read? The Bogleheads' Guide to Investing and John Bogle's "The Litle Book on Common Sense Investing" are good starters, along with oth...
by Fallible
Fri Apr 03, 2015 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering Doing My Own Investing...but I'm not sure I shou
Replies: 49
Views: 4978

Re: Bogle says: "Active mutual funds could disappear:

http://www.marketwatch.com/story/active-mutual-funds-could-disappear-john-bogle-2015-04-02 Calling active mutual funds "fat, dumb and happy" as they take in billions in pointless fees from retirement investors, Vanguard Group founder J ohn Bogle predicts the end of the active management i...
by Fallible
Fri Apr 03, 2015 2:50 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle says: "Active mutual funds could disappear:
Replies: 28
Views: 3429

Re: Baby Grand Piano

I'm a professional musician and play a nice Yamaha keyboard a couple of times a week at gigs in a restaurant and other venues. I prefer playing a real piano, and do at home (a Yamaha Studio Upright--what a great piano; you find it in churches, colleges, all over the country. When I think about it, ...
by Fallible
Tue Mar 31, 2015 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Baby Grand Piano
Replies: 42
Views: 3065
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