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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: 38
Views: 2536

Re: Improving English Language Proficiency- Please suggest B

Along with the best of style books and literature, be sure to read some of the best in financial writing by none other than John Bogle. You've probably already read some of his books or articles, but the more you read of him and the more you work to improve your own writing (as we all should be doin...
by Fallible
Mon Mar 30, 2015 11:54 am
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 3112

Re: Risk Questionnaires: How they work?

How do companies take risk questionnaires and translate them to asset allocations? Are they all using the same equation/scoring? It would, of course, be impossible to know exactly how "all" or even most companies use these questionnaires to determine AA, but as the poster dbr said earlier...
by Fallible
Sun Mar 29, 2015 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Risk Questionnaires: How they work?
Replies: 27
Views: 1553

Re: "Are Index-Fund Investors Smarter?"

Smarter? Perhaps wiser. :idea: Paul Wiser, in the sense of good judgement, is a better word than smarter and maybe even than conviction (which I didn't really understand). Then again, maybe it's all three. If indexers know their only worry is market performance and that they can save money and have...
by Fallible
Sat Mar 28, 2015 7:30 pm
 
Forum: Investing - Theory, News & General
Topic: "Are Index-Fund Investors Smarter?"
Replies: 10
Views: 1342

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 28, 2015 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: Nightly Business Report; Indexed vs Active Funds
Replies: 13
Views: 1835

Re: Gift Ideas for 80 Yr Old Grandmother w/ Dementia

It depends a great deal on the extent of the dementia, which we could not know and which could be difficult even for those close to her to know. It would be very hard to anticipate how she might react and the concern is that a gift could be misunderstood and even upsetting. You could contact her doc...
by Fallible
Sat Mar 28, 2015 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Gift Ideas for 80 Yr Old Grandmother w/ Dementia
Replies: 23
Views: 1412

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

Even if one has been through a market crash and stayed the course (or not), it's important to remember that crashes differ and not just in the way they end, but how they play out. So if you hold through one crash, it may not tell you enough about your tolerance in the next. I held through my first c...
by Fallible
Sat Mar 28, 2015 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you really know your AA until you've hit a bear market?
Replies: 74
Views: 5180

Re: If you had 1 book to recommend...

Jane Bryant Quinn: "Making the most of your money now". L. +1 for this or "Common Sense on Mutual Funds". Some of the other suggestions maybe great follow up books in my opinion, but I would say "Common Sense" for something short, sweet and focused or the Quinn book to...
by Fallible
Sat Mar 28, 2015 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you had 1 [investing] book to recommend...
Replies: 45
Views: 3865

Re: Zen Boglehead's

Sitting here, doing nothing Spring comes-- The grass grows by itself That might be Basho, can't remember. It's amazing how ingrained the impulse to " do something " is when it comes to the financial markets. ... It is amazing, but I've finally concluded that for me the impulse to do somet...
by Fallible
Fri Mar 27, 2015 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Zen Boglehead's
Replies: 19
Views: 2323

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: 74
Views: 5180

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: 51
Views: 3112

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: 74
Views: 5180

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: 103
Views: 8727

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: 51
Views: 3112

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: 51
Views: 3112

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: 3083

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: 355

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: 525

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: 3567

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: 3567

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: 3567

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: 675

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: 915

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: 3567

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: 3349

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: 227
Views: 16358

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: 1000

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: 1107

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: 3851

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: 1107

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: 462

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: 3186

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: 1950

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: 103
Views: 8727

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: 2196

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: 1962

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: 534

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: 2262

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: 7378

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: 2879

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: 6111

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: 6111

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: 2753

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: 3508

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: 2743

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: 13
Views: 1835

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: 13
Views: 1835

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: 6111

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: 2188

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: 209
Views: 17332
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