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Re: Can you really know your AA until you've hit a bear mark

I ask because we're going to see a bear market in the future. When, who knows? :) But those of us who are relatively young and have only been investing during one of the greatest bull markets in history have never really experienced the gut-wrenching feeling of our portfolio of stocks losing 40% of...
by Fallible
Thu Mar 26, 2015 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you really know your AA until you've hit a bear market?
Replies: 20
Views: 998

Re: Improving English Language Proficiency- Please suggest B

Style books are political documents. Choose wisely, you could find yourself taking sides in a war you didn't know existed -- A literal language war, with armed forces crossing boarders. I am confused. English is not my native language and I have always been striving to improve it. For me, there is ...
by Fallible
Thu Mar 26, 2015 8:14 pm
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 33
Views: 1845

Re: Can you really know your AA until you've hit a bear mark

I ask because we're going to see a bear market in the future. When, who knows? :) But those of us who are relatively young and have only been investing during one of the greatest bull markets in history have never really experienced the gut-wrenching feeling of our portfolio of stocks losing 40% of...
by Fallible
Thu Mar 26, 2015 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you really know your AA until you've hit a bear market?
Replies: 20
Views: 998

Re: John Bogle's Don't Peek Challenge

I listened to the video where Mr. Bogle was discussing not peeking at your 401k statement until you were 85. It wasn't a serious recommendation it was an illustration of how much people should ignore the day to day moves of the market. If that is what this post is about I'd seriously doubt that Mr....
by Fallible
Thu Mar 26, 2015 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 102
Views: 8177

Re: Improving English Language Proficiency- Please suggest B

... To bring it back to the OPs question. Style books are political documents. Choose wisely, you could find yourself taking sides in a war you didn't know existed -- A literal language war, with armed forces crossing boarders. I don't doubt the political, but how can the OP avoid " taking sid...
by Fallible
Thu Mar 26, 2015 11:59 am
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 33
Views: 1845

Re: Improving English Language Proficiency- Please suggest B

Can you guys please suggest a few good books to improve my English language skills? ... You already are doing quite well and with some of the best books and writers already mentioned here, I can add only that when you have begun to master the language, you will develop your own writing style. You m...
by Fallible
Wed Mar 25, 2015 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 33
Views: 1845

Re: I've Got to be Doing "Something". And You?

From childhood on Ive always been a hands on get it done kind of guy. Years ago when I started on the road earning, saving and investing I had it in my head that I needed to be somehow involved in my investments - doing something. I think that's a factor in my initial involvement in rental properti...
by Fallible
Wed Mar 25, 2015 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: I've Got to be Doing "Something". And You?
Replies: 22
Views: 2961

Re: ER/Urgent Care/AmWell online A Choice

We now have three choices when we need non life threatening medical assistance with the ER being the most expensive, Urgent Care second and On Line video assistance third. My supplemental Health Plan has just added Am Well On Line Video. Many minor medical situations that are handled by Emergency R...
by Fallible
Sun Mar 22, 2015 12:57 pm
 
Forum: Personal Consumer Issues
Topic: ER/Urgent Care/AmWell online A Choice
Replies: 4
Views: 345

Re: Book recommendations/advice for my mother

For the basics, she could read the "Getting Started" page and book list at the end on our wiki: https://www.bogleheads.org/wiki/Getting_started
by Fallible
Sun Mar 22, 2015 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Book recommendations/advice for my mother
Replies: 6
Views: 516

Re: "Financial Simplicity: What is Your Time Worth?"

But this brings up a broader point that has already been alluded to. We all have our own thresholds for complexity. Slice and dice seems more popular here than a simple 3 fund portfolio, and the 3 fund portfolio seems more popular than the Life Strategy and Target Retirement funds. For some, tinker...
by Fallible
Sun Mar 22, 2015 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: "Financial Simplicity: What is Your Time Worth?"
Replies: 27
Views: 3468

Re: "Financial Simplicity: What is Your Time Worth?"

Financial simplicity is a great goal, but it should not be pursued at the expense of prudent, even if somewhat complex, activities. For example, when bank accounts pay less than 1%, it does not matter if one pays bills a few days earlier or gets a tax refund. But other financial "complexities&...
by Fallible
Sat Mar 21, 2015 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: "Financial Simplicity: What is Your Time Worth?"
Replies: 27
Views: 3468

Re: "Financial Simplicity: What is Your Time Worth?"

Financial simplicity is a great goal, but it should not be pursued at the expense of prudent, even if somewhat complex, activities. For example, when bank accounts pay less than 1%, it does not matter if one pays bills a few days earlier or gets a tax refund. But other financial "complexities&...
by Fallible
Sat Mar 21, 2015 10:19 pm
 
Forum: Investing - Theory, News & General
Topic: "Financial Simplicity: What is Your Time Worth?"
Replies: 27
Views: 3468

Re: 25 years old. Need help and more Boglehead book info

Welcome to the forum! I would suggest first checking out "Getting Started" on our wiki at https://www.bogleheads.org/wiki/Getting_started

As for reading material, you'll see a books reference list at the bottom of the page.

What books have you read on investing?
by Fallible
Fri Mar 20, 2015 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 years old. Need help and more Boglehead book info
Replies: 6
Views: 642

Re: Staying the course

Why is staying the course so difficult? ... Why is it that continuing to do what's right doesn't carry any emotional weight? The time spent coming up with a good plan made me feel confident. Eventually though, that feeling faded, and now today everyone else's opinions seem to carry more weight than...
by Fallible
Fri Mar 20, 2015 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Staying the course
Replies: 9
Views: 902

Re: "Financial Simplicity: What is Your Time Worth?"

Taylor, you beat me to it. I saw the article on the tbf website this morning and thought what a great forum topic it would be. So the only thing I can add is this question he asks that many of us would do well to ask of ourselves: "What is your threshold for financial complexity? How much extra...
by Fallible
Fri Mar 20, 2015 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: "Financial Simplicity: What is Your Time Worth?"
Replies: 27
Views: 3468

Re: Advice for good friend

Hi All, I have recently been talking to my good friend who doesn't have an interest in managing her own portfolio. Her and her husband started with a financial planner a couple of years ago and recently she took a job working as an assistant for that planner. T he planner has full control of all of...
by Fallible
Thu Mar 19, 2015 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for good friend
Replies: 38
Views: 3262

Re: Observations from a first time poster, long time reader.

Rick Ferri wrote:Selling covered calls is like trying to pick up pennies on the New Jersey Turnpike. You think you've found free money until getting flattened by a Mack truck.
Rick Ferri

This, from the kind of adviser the Bogleheads value. :beer
by Fallible
Thu Mar 19, 2015 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: [New Member Observations- Covered Calls, Financial Advisors]
Replies: 220
Views: 15237

Re: Qualms about Market Predictions

And while I have the highest respect for John Bogle and Bill Bernstein, does anyone share my concern when John Bogle and Bill Bernstein make predictions about stock market returns in future years? ... My sense is that Mr. Bogle and Mr. Bernstein are just trying to make investors aware of these fact...
by Fallible
Thu Mar 19, 2015 11:04 am
 
Forum: Investing - Theory, News & General
Topic: Qualms about Market Predictions
Replies: 15
Views: 966

Re: Financial Advice by Demographics

Financial advice by demographics at its best is tailored advice to specific groups of people. At its worst, it can seem downright creepy. I have a dislike for certain websites that send me e-mails that say, "Do you know so and so or this and that?" My immediate reaction is: "It's no ...
by Fallible
Tue Mar 17, 2015 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Advice by Demographics
Replies: 5
Views: 1094

Re: Is There a Next Jack Bogle

The article focuses mainly on the Bogle passive investing style and not the man overall, who will not be replaced. But the article didn't really define what a "next" Jack meant other than matching lower fees or creating "new categories" of passive investing and it appears Jack wa...
by Fallible
Tue Mar 17, 2015 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: Is There a Next Jack Bogle
Replies: 37
Views: 3806

Re: Financial Advice by Demographics

Excellent background in this article that, thankfully, takes the subject beyond Fidelity targeting women.

Thanks for the link.
by Fallible
Tue Mar 17, 2015 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Advice by Demographics
Replies: 5
Views: 1094

Re: Came across a site that says financial news in funny way

sai wrote:http://kathryncicoletti.tumblr.com/


Haven't read all of it, but what I have is well written and the visuals are very well done, even the slightly goofy animation. Funny and fun. Thanks for the link.
by Fallible
Tue Mar 17, 2015 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: Came across a site that says financial news in funny way
Replies: 1
Views: 458

Re: Five most important things to be a successful investor?

These are important in all of life, but especially so when it comes to money: 1. Know yourself (your emotions, biases, interests, abilities, other strengths, weaknesses (warning: it's an ongoing, often losing battle) 2. Develop a healthy skepticism 3. Value curiosity and learn to ask good questions ...
by Fallible
Tue Mar 17, 2015 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: Five most important things to be a successful investor?
Replies: 31
Views: 3143

Re: Should I change Asset Allocation to a more conservative

http://blog.aarp.org/2015/03/09/six-lessons-from-the-six-year-old-bull-market/ I was reading the article by Alan Roth posted by Taylor. This line made me pause to think. " Consider taking some risk off the table" ... I have been rewarded handsomely for aggressively investing in stocks for...
by Fallible
Mon Mar 16, 2015 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I change Asset Allocation to a more conservative mix
Replies: 20
Views: 1926

Re: John Bogle's Don't Peek Challenge

I feel like Bogle's "don't peek" challenge is more of an illustration of the point he's trying to make, and less a serious challenge. His point is that the more changes you make, the more finnangling you try to do, the worse off you'll be. I don't think he actually expects someone to not ...
by Fallible
Mon Mar 16, 2015 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 102
Views: 8177

Re: keep advisor or do it myself

... What really brought this to a head was when I talked to him about reducing his fee and he said that it has been proven that an advisor using DFA funds can provide us, over time, net of fees, an additional 1 - 1.5% portfolio growth. If you feel this is so, and the fees are not exorbitant and we ...
by Fallible
Mon Mar 16, 2015 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: keep advisor or do it myself
Replies: 28
Views: 2164

Re: Help! Career Advice needed!

What career interests has she expressed? Does she agree with your assessments of her?
by Fallible
Mon Mar 16, 2015 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Career Advice needed!
Replies: 20
Views: 1934

Re: "Picking Winners?"

So not only does the average investor stand little chance of picking winners, but also the pros who advise the pros! Thanks for the link Taylor.
by Fallible
Mon Mar 16, 2015 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: "Picking Winners?"
Replies: 5
Views: 518

Re: Steering family away from costly Financial Adviser or MY

... Understandably, my dad doesn't want the stress of managing his parents portfolio or making changes on his own and I think that's a big part of keeping it with the current FA. It seems there has to be a better in-between such as getting a fee-only FA or using Vanguard's portfolio management serv...
by Fallible
Mon Mar 16, 2015 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Steering family away from costly Financial Adviser or MYOB?
Replies: 28
Views: 2237

Re: If I Knew Then What I Know Now

If I struggle to remember when I was 20, I know I wouldn't forget this speech, especially your opening: "Let’s begin by taking an imaginary trip into the distant future. Imagine you are 50 years of age. I picked 50 because if you have reached your 20th birthday, odds are the majority of your re...
by Fallible
Sun Mar 15, 2015 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 51
Views: 7258

Re: NYTimes on benefits of passive investing

Good punchline at end: "But what you never have, he said, is any indication that past performance predicts future returns. 'It’s possible that any one of these funds will beat the market over the long term,' he said. 'Some of them will do that. But the problem is that we don’t know which of th...
by Fallible
Sun Mar 15, 2015 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: NYTimes on benefits of passive investing
Replies: 16
Views: 2862

Re: The financier and the secretary. A true story.

^^^ To that point, the wiki can provide a good headstart: Bogleheads® financial literacy project Speaking of the wiki project and In keeping with Housel's strong points on financial literacy teachings focusing on investor behavior (I also posted on that earlier here), I wonder if a PPT presentation...
by Fallible
Sun Mar 15, 2015 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: The financier and the secretary. A true story.
Replies: 39
Views: 6014

Re: The financier and the secretary. A true story.

Just read the original article and was surprised that it ultimately led to very good background on financial literacy and how investor behavior must be included, even emphasized, in order to achieve literacy. To wit: "Financial education programs don't improve outcomes because they tend to teac...
by Fallible
Sat Mar 14, 2015 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: The financier and the secretary. A true story.
Replies: 39
Views: 6014

Re: "6 Lessons From the 6-Year-Old Bull Market"

Definitely 6 good lessons coming at a good time, before euphoria sets in and we think it will last forever. Thanks for the link Taylor.
by Fallible
Sat Mar 14, 2015 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: "6 Lessons From the 6-Year-Old Bull Market"
Replies: 11
Views: 2738

Re: Understanding Your Net Worth

The article clarified quite a bit for me and thanks for posting. In the end though, it comes down to his last graph: "You are only well off when you have enough income from earning assets or virtual assets to sustain your standard of living and payment obligations. Until that happens, you are a...
by Fallible
Sat Mar 14, 2015 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Understanding Your Net Worth
Replies: 25
Views: 3484

Re: Should tilters recommend tilting to beginners?

I don't think anyone should tilt significantly away from the total market simply on the say-so of someone else. Of course, one could suggest that no one should follow any investment plan at all based on nothing other than the say-so of someone else. One could even say that no one should advise some...
by Fallible
Sat Mar 14, 2015 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should tilters recommend tilting to beginners?
Replies: 49
Views: 2715

Re: Nightly Business Report; Indexed vs Active Funds

A good interview, but did anybody notice that Soe, the guy at S&P Dow Jones Indices, never mentions the word "index"? This is even though the interviewers use it often and almost appear to be trying to get him to say it. Closest Soe comes is "low-cost alternative option." Ju...
by Fallible
Sat Mar 14, 2015 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Nightly Business Report; Indexed vs Active Funds
Replies: 7
Views: 1119

Re: Nightly Business Report; Indexed vs Active Funds

A good interview, but did anybody notice that Soe, the guy at S&P Dow Jones Indices, never mentions the word "index"? This is even though the interviewers use it often and almost appear to be trying to get him to say it. Closest Soe comes is "low-cost alternative option." Jus...
by Fallible
Fri Mar 13, 2015 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Nightly Business Report; Indexed vs Active Funds
Replies: 7
Views: 1119

Re: The financier and the secretary. A true story.

As Housel writes about the secretary (Groner) and the financier Fuscone): "Groner clearly understood patience. She understood frugality. She understood the value of a long-term view and how to not panic – if only subconsciously. Fuscone clearly didn't. And in the end, that was all that mattered...
by Fallible
Fri Mar 13, 2015 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: The financier and the secretary. A true story.
Replies: 39
Views: 6014

Re: Financial Advisor Put Together This Portfolio - Thoughts

Hi guys, I have sat down with my advisor (RIA fee only) twice now and just need him to manage my money. He is a family friend so the fees are lower than average, but I just wanted to get your opinion on his allocation. ... I share the concerns of others here about having a friend be your adviser so...
by Fallible
Fri Mar 13, 2015 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor Put Together This Portfolio - Thoughts?
Replies: 27
Views: 2174

Re: What are some common misconceptions found in this forum?

One thing that I find strange is folks posting here on Bogleheads that can't spell Bogle. I keep seeing Bogel, Boggle and other variants. Yea, and some people think that principle is the same as principal. That drives me nuts. lol Not at all strange. There are great writers (Faulkner) who could not...
by Fallible
Fri Mar 13, 2015 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 207
Views: 16327

Re: Another take on Vanguard questionnaire: NYTimes

Hi, Folks--it's John. I wrote the article. Thanks to all of you who read it. I enjoyed writing it, and was happy to have an assignment that gave me the excuse to delve into my own finances. When I have an assignment, I work with numbers just fine; that's how I've been able to be a science journalis...
by Fallible
Fri Mar 13, 2015 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another take on Vanguard questionnaire: NYTimes
Replies: 42
Views: 3947

Re: Boglehead degree status

I was always taught Conant's dictum that education is whats left after everything you learned has been forgotten True education is a process of developing a habit of inquiry. ... And then there is Einstein: "Learning is not a product of schooling but the lifelong attempt to acquire it." :...
by Fallible
Fri Mar 13, 2015 11:26 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead degree status
Replies: 52
Views: 4832

Re: Boglehead degree status

y Fallible » Sun Mar 08, 2015 9:07 pm LeeMKE wrote: For presentations at Milwaukee Bogleheads, I score each by level and age appropriateness: beginner, student, graduate, quant/expert Under 30, 30 to 40, 40 to retired, retired Interesting, but how exactly do you use these to score attendees? Could ...
by Fallible
Fri Mar 13, 2015 11:12 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead degree status
Replies: 52
Views: 4832

Re: Another take on Vanguard questionnaire: NYTimes

Always surprises me when highly educated middle aged professionals seem this out of touch with their finances. ... Yes, and this is what also came out during the '08 crisis - highly intelligent, well-educated, accomplished people, even businesspeople, completely clueless about investing. Some will ...
by Fallible
Thu Mar 12, 2015 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another take on Vanguard questionnaire: NYTimes
Replies: 42
Views: 3947

Re: What are some common misconceptions found in this forum?

Twins and Fallible, or anyone Thanks for the suggestions. PM me your definitions of misconceptions. Then I'll add your definitions to OP . acegolfer, this is your thread, your topic, your question - and a good one - and therefore your definition that matters and one that only you can know. I will s...
by Fallible
Thu Mar 12, 2015 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 207
Views: 16327

Re: What are some common misconceptions found in this forum?

A nikkei-like trend cannot happen to the Dow. I would not be surprised if the Dow dropped to 8,000 and stayed there for the next 20 years. In that case, for many here, the "stay the course" strategy is likely to fail. Only the most conservative investors will still have a chance. So, now ...
by Fallible
Thu Mar 12, 2015 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 207
Views: 16327

Re: What are some common misconceptions found in this forum?

I have found some truth in each of the above statements, but need to be taken in context to understand where the boundaries are, and why they are at least partially true in some cases. I would not say these are coming through as absolute truths in the forum because there are enough wise ones here t...
by Fallible
Wed Mar 11, 2015 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 207
Views: 16327

Re: Where to retire in New England?

Yes, it's a serious question. New Englanders seem sane to me. Are they relatively nice and welcoming to newcomers from the Midwest and west coast? No doubt folks from most or maybe even all parts are relatively nice and welcoming to newcomers. What really matters is what you are looking for, what &...
by Fallible
Wed Mar 11, 2015 11:21 am
 
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 7458

Re: How many really understand how investing works?

... It scares me to know that I don't really understand how the stock and bond markets work. ... What you need to understand best is yourself and what is right for you and it can be the hardest part of investing. As the Investopedia "Investing 101" link that Taylor posted notes: "Inv...
by Fallible
Tue Mar 10, 2015 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: How many really understand how investing works?
Replies: 37
Views: 3136
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