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by cinghiale
Wed Mar 18, 2015 6:51 pm
Forum: Investing - Theory, News & General
Topic: This Fund Manager Has Consistently Beaten the S&P 500
Replies: 18
Views: 2931

Re: This Fund Manager Has Consistently Beaten the S&P 500

Looking at the title of this thread, I am reminded of Bill Miller. He was the poster child for consistently beating the benchmarks until he crashed and burned. Do you know anyone who has invested with Miller since he fell from the perch?
by cinghiale
Thu Feb 12, 2015 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Recommended Portfolio
Replies: 36
Views: 6252

Re: Vanguard's Recommended Portfolio

BetaTracker wrote: I should explain that our allocation was created by looking at a combination of things, including our own records of household savings and expenditures. We also considered our retirement income needs and stomach for risk. After talking to the Vanguard advisor and running the numb...
by cinghiale
Thu Feb 12, 2015 11:13 am
Forum: Personal Consumer Issues
Topic: Boglehead indulgences?
Replies: 12
Views: 1594

Re: Boglehead indulgences?

A bottle of nicely decanted Bogle Phantom wine. It's a $16.00-$17.00 bottle that tastes like a $40.00-$50.00 one.

And, no, I'm not enamored with it just because the winery's name. :wink:
by cinghiale
Wed Feb 11, 2015 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Recommended Portfolio
Replies: 36
Views: 6252

Re: Vanguard's Recommended Portfolio

In his first post, the OP wrote: This is for a working couple with at least another ten years until we'll need this in retirement. Does anyone else get a bit uncomfortable with a 70-30 stock/bond split with only ten years before needing to draw from the assets? But then, later on, the OP wrote: I'm ...
by cinghiale
Tue Jan 20, 2015 10:51 am
Forum: Investing - Theory, News & General
Topic: How to get things wrong - Swiss Franc (CHF)
Replies: 32
Views: 3637

Re: How to get things wrong - Swiss Franc (CHF)

I posed a version the following question on an earlier thread concerning the Swiss Franc and did not receive any replies (though I admit it wasn't exactly "on topic"): Are there any other forum members who bought a Swiss Franc-denominated annuity in the 1990s? Way back when, way before any...
by cinghiale
Sun Jan 18, 2015 2:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Why I like this forum
Replies: 34
Views: 2458

Re: Why I like this forum

Chalk up another +1, both to the OP and to the replies. This site is my "one stop shopping" for all things financial, investments, retirement, and lifestyle. I still depend on Arts and Letters Daily (http://www.aldaily.com), Brain Pickings (http://www.brainpickings.org), and Edge (http://w...
by cinghiale
Thu Jan 15, 2015 2:34 pm
Forum: Investing - Theory, News & General
Topic: Swiss franc jumps as SNB abandons ceiling versus euro
Replies: 25
Views: 2396

Re: Swiss franc jumps as SNB abandons ceiling versus euro

Anyone here still hanging onto the Swiss Franc annuities that were so actively touted in the 90s??

If so, :beer
by cinghiale
Mon Jan 12, 2015 12:43 pm
Forum: Investing - Theory, News & General
Topic: Where do you tilt your Total Int'l Fund?
Replies: 40
Views: 3469

Re: Where do you tilt your Total Int'l Fund?

dkturner wrote: About 1/3 of my international equity exposure is through the Vanguard Wellesley Income Fund, so I have a tilt towards large-cap European equities in my portfolio. I don't get this. Wellesley's portfolio is 38% stocks, and of the 60 or so stocks it holds, perhaps 12-14 are foreign co...
by cinghiale
Tue Jan 06, 2015 3:20 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 95
Views: 10286

Re: Vanguard announces new Tax-Exempt Index Fund

Note this a bit further down in the announcement:
To mitigate portfolio transaction costs and allow the fund to more closely track its benchmark, the new fund will assess a 0.50% purchase fee on Investor and Admiral Shares.
by cinghiale
Tue Jan 06, 2015 11:23 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 77
Views: 8280

Re: Roll Call for the Retirement Class of 2015!

Victoria , I was wondering if you would host a "Class of 2015" thread. Thanks for initiating it. I wish to be inscribed. My letter of retirement will say December 31, but I already have Friday, December 18 circled on my 2015 calendar. This will be the sweet spot. I will be old enough to s...
by cinghiale
Thu Jan 01, 2015 2:42 pm
Forum: Personal Consumer Issues
Topic: Post your 2015 New Year's Resolutions ITT
Replies: 38
Views: 3762

Re: Post your 2015 New Year's Resolutions ITT

Did anyone else notice that the OP's avatar has active smoke coming out of his pipe?

Wild.
by cinghiale
Thu Jan 01, 2015 10:56 am
Forum: Investing - Help with Personal Investments
Topic: 2015 Investment Resolutions
Replies: 9
Views: 855

Re: 2015 Investment Resolutions

This year I am going to give Jim Otar's Unveiling the Retirement Myth a second, more careful reading as I work toward a better and clearer mindset about entering the financial disbursement-- as opposed to accumulation-- phase of life. I've run the numbers. What I want to do before pulling the retire...
by cinghiale
Sat Dec 20, 2014 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 82
Views: 5254

Re: What "actively" manged funds do you own?

Same two as livesoft: TIAA Real Estate and TIAA Traditional.

Past that, all of my individual IRA and that of La Bella Signora is in Wellesley Income. Wellesley comprises about 15% of our total holdings.
by cinghiale
Thu Dec 18, 2014 9:04 am
Forum: Personal Consumer Issues
Topic: Favorite Narrators for Fictional Audiobooks
Replies: 25
Views: 1858

Re: Favorite Narrators for Fictional Audiobooks

I greatly enjoy hearing Will Patton read. He has received numerous awards for his audio book work, and he brings a wonderful depth and empathy to his reading. I first heard him reading James Lee Burke's books, and especially enjoyed all of the "Holland" character stories. Patton may be eve...
by cinghiale
Wed Dec 10, 2014 7:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Wish List
Replies: 44
Views: 3308

Re: Vanguard Wish List

I would like to have Vanguard combine the Total International Fund with the FTSE All-World Ex-US Fund (adding the latter to the former).

There's just no reason to have both of these funds in the Vanguard family.
by cinghiale
Thu Dec 04, 2014 11:30 am
Forum: Investing - Theory, News & General
Topic: Update: 6 years into Buffett's Bet With Hedge Funds
Replies: 24
Views: 3012

Re: Update: 6 years into Buffett's Bet With Hedge Funds

Boglegrappler wrote,
I suppose its possible if overall returns are very low and you take the 2% fees into account.

This...

I think you answered your own question.
by cinghiale
Thu Dec 04, 2014 10:11 am
Forum: Investing - Theory, News & General
Topic: Update: 6 years into Buffett's Bet With Hedge Funds
Replies: 24
Views: 3012

Update: 6 years into Buffett's Bet With Hedge Funds

This from marketwatch.com: See full article at: http://www.marketwatch.com/story/warren-buffett-on-track-to-win-hedge-fund-bet-2014-12-04 There's just four years left in the 10-year bet between billionaire Warren Buffett and a New York hedge fund firm, and it seems clear that Buffett will win handil...
by cinghiale
Wed Nov 26, 2014 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Random life events
Replies: 34
Views: 3053

Re: Random life events

jstrazzere wrote:
And I happened to be born at a wonderful time, in a terrific country, where professional and financial growth was possible.


That one. It makes the outcomes and consequences of so many of the random events recounted in this thread possible.
by cinghiale
Wed Nov 26, 2014 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Random life events
Replies: 34
Views: 3053

Re: Random life events

Finding this forum. I might use the word "serendipitous" instead of random to describe the way in which I bumped into this forum, but getting here, paying attention to the questions and replies, and then taking action accordingly have had the biggest impact. As an aside, it took until I wa...
by cinghiale
Tue Nov 25, 2014 3:47 pm
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 11119

Re: Favorite nonfiction books

I would second all of Victoria 's authors and books, and would add the following to that genre: The Drunkard's Walk Leonard Mlodinow How We Know What Isn't So Thomas Gilovich Mistakes Were Made ( But Not By Me) Carol Tavris and Elliot Aronson And, for other disciplines and areas of inquiry: Consilie...
by cinghiale
Fri Oct 31, 2014 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and sell my mining stocks?
Replies: 23
Views: 2455

Re: Should I bite the bullet and sell my mining stocks?

grabiner wrote: The stock should be fairly priced now to reflect the possibility of a vote going up or down, so if you keep a large position in the stock while waiting for the vote, you are taking an extra risk with no benefit. David, Am I missing something here? How can a stock be "fairly pri...
by cinghiale
Fri Oct 31, 2014 11:56 am
Forum: Investing - Theory, News & General
Topic: RBD for Gold Miners
Replies: 12
Views: 1714

Re: RBD for Gold Miners

Since people have been mentioning "stay the course..." My only participation in metals is through Central Fund of Canada (CEF). I have held it for a very long time, the amount held is modest, and I consider it to be part investment, part insurance (the latter motivated mainly by my view th...
by cinghiale
Fri Oct 31, 2014 11:29 am
Forum: Investing - Theory, News & General
Topic: RBD for Gold Miners
Replies: 12
Views: 1714

Re: RBD for Gold Miners

RBD....?

Really Bad Day?
by cinghiale
Sat Jul 19, 2014 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 56
Views: 8937

Re: Anyone here use Personal Capital?

Adding to what I just posted, I noticed this question posed by user RBDan on a thread entitled "New graph on Personal Capital Dashboard" a few months ago: All of my accounts have online fraud insurance as long as I do NOT share my password with anyone. My concern is that if Personal Capita...
by cinghiale
Sat Jul 19, 2014 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 56
Views: 8937

Re: Anyone here use Personal Capital?

SuperGrafx wrote: I was also a bit concerned about an external website having access to all my accounts. I'm late to the conversation, but just read through all the posts and noticed that the quote above was the only mention of security concerns. Anyone else using or considering using Personal Capi...
by cinghiale
Thu Jul 03, 2014 9:59 am
Forum: Investing - Theory, News & General
Topic: Do Wellesley's Equities Outperform?
Replies: 41
Views: 5294

Do Wellesley's Equities Outperform?

I have been a long term holder of Wellesley Income fund. Its one of the few actively managed funds I have. There have been a number of good threads about this fund over the past few years, and Wellesley seems to command the loyalty of a number of forum members. The Wellesley-related conversations in...
by cinghiale
Fri May 30, 2014 7:22 am
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 10088

Re: Who are the BogleHeads.org heavyweights?

I would add those experts who are often referenced in threads, but who either don't post here or do not post often.

Three people who deserve mention are Jim Otar, John Norstad, and Wade Pfau.
by cinghiale
Fri May 23, 2014 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move Cref assets to Vanguard?
Replies: 19
Views: 1199

Re: Should I move Cref assets to Vanguard?

Big, big "second" to what sscritic wrote. I'm in TIAA-CREF at work, and will very likely stay with them after retirement to keep my holdings in the Traditional fund and the Real Estate fund. Those are my only investments with TIAA-CREF. To repeat what has already been said: You would be ha...
by cinghiale
Fri May 23, 2014 2:02 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 279
Views: 29968

Re: Roll Call for the Retirement Class of 2014!

Mitchell777 asked, Did you use the Trinity Study (4% for 30 years/3% for 40 years), Wade Pfau's much lower withdrawl rate, Firecalc, Otar calculator, pension so significant that investment income is almost unneccesary, waiting to be closer to SS age, buying annuity, etc I'm not "there" ye...
by cinghiale
Wed Feb 19, 2014 10:37 am
Forum: Investing - Theory, News & General
Topic: Article about 401k Fees
Replies: 2
Views: 321

Re: Article about 401k Fees

Agree with jasc15 on this. The article was short, simply- and well-stated, and included a memorable graphic showing just how much is forfeited over an entire career of earning when a hypothetical 1.33% (rather than the 0.08% ER of an index fund) is skimmed off the top. Someone with no interest in or...
by cinghiale
Wed Feb 19, 2014 10:20 am
Forum: Personal Consumer Issues
Topic: How did people work out in the past?
Replies: 36
Views: 2758

Re: How did people work out in the past?

Add to the conversation Joe Weider and the mainstreaming of weight lifting. Back in the 1960s, lots of us had simple, but versatile weight sets, with a basic bench, straight bar, two dumbbell bars, and those clanky red collars to hold on the plates. I still prefer free weights to the machines. With ...
by cinghiale
Sat Feb 15, 2014 6:17 pm
Forum: Investing - Theory, News & General
Topic: Great Finance History Book
Replies: 33
Views: 4339

Re: Great Finance History Book

Pacific wrote: Ron Chernow's "The House of Morgan: An American Banking Dynasty and the Rise of Modern Finance" Don't let the title put you off I could not put this book down (and it is a long book!) But... but... but... the Kindle for that one costs $9.99 !!! I'm anchored to $1.00 now.
by cinghiale
Sat Feb 15, 2014 6:02 pm
Forum: Investing - Theory, News & General
Topic: MPT, Markowitz, Efficient Frontier and Vanguard, NOT!
Replies: 66
Views: 5159

Re: MPT, Markowitz, Efficient Frontier and Vanguard, NOT!

Clever_Username asked: How about just a link to where your research paper was published; or, at least, a journal name. If you wrote a research paper, you must have submitted it for peer review and publication, right? Wrong. The linked paper looks like an amalgam of lots of familiar graphs and chart...
by cinghiale
Sat Feb 15, 2014 5:26 pm
Forum: Investing - Theory, News & General
Topic: Great Finance History Book
Replies: 33
Views: 4339

Re: Great Finance History Book

Many thanks, Bill. Just downloaded it.

Now if I could just find that wonderful garlic salami for you as a proper way of saying "thanks."
by cinghiale
Fri Feb 14, 2014 9:51 am
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 42
Views: 3977

Re: Boglehead quotes

While not directly from a Boglehead poster, I have included this quote from Upton Sinclair in a number of threads. Nothing encapsulates the communication problem between financial advisor/stockbroker and client better than this: "It is difficult to get a man to understand something, when his sa...
by cinghiale
Wed Feb 12, 2014 11:25 am
Forum: Personal Consumer Issues
Topic: POLL: Is someone in your family a member of this Forum?
Replies: 36
Views: 2303

Re: POLL: Is someone in your family a member of this Forum?

I find a direct (inverse) relationship between the freedom I have in this forum and my very adverse reaction to the thought of someone (family, friends, work colleagues) knowing who I am. Anonymity allows me to explore ideas and reveal personal data that I would never think of expressing to most any...
by cinghiale
Sun Feb 09, 2014 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: The Power of Zero (0% tax bracket in retirement) book
Replies: 22
Views: 4252

Re: The Power of Zero (0% tax bracket in retirement) book

CyberBob wrote: I haven't read it either, but I found that he's got a website where you can preview chapter 1 of the book. Then, frugaltype wrote: The amazon reviews I read sound like sales pitches, and they're written by people with a total of 1 or 2 reviews only. Go to the book's website, and tak...
by cinghiale
Sun Feb 09, 2014 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a personal devils advocate.
Replies: 17
Views: 2393

Re: Do you have a personal devils advocate.

Victoria wrote: I am not saying that I can make unbiased decisions. I can't, nobody can. Not even Popper, Taleb and Kahneman. Agreed. In fact, the latter two will be the first to admit that certain biases need constant attention and that one is never fully and finally purged of them. (I'm not sure ...
by cinghiale
Sat Feb 08, 2014 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Do you have a personal devils advocate.
Replies: 17
Views: 2393

Re: Do you have a personal devils advocate.

I like the idea behind this thread. Do we look to falsify rather than confirm our thinking in complex or contested areas? This is good scientific method and sound critical thinking. It is at the heart of Karl Popper's thought, and comes through quite often in Nassim Taleb's and Daniel Kahneman's wri...
by cinghiale
Fri Feb 07, 2014 7:34 pm
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 7416

Re: I'm feeling old today

Some of this has the ring of "older than thou."

So, in the spirit of "going one better than the last guy:"

http://www.youtube.com/watch?v=Xe1a1wHxTyo

:wink:
by cinghiale
Thu Feb 06, 2014 6:59 pm
Forum: Personal Consumer Issues
Topic: Croatia
Replies: 41
Views: 3166

Re: Croatia

With only 3-4 nights it is hard to recommend lots of other destinations. You do not want to spend too much of your time in transit. I am assuming that you are beginning from Geneva, so jet lag will not be an issue. Might you take a boat to Hvar from Dubrovnik after two nights there? We discovered Hv...
by cinghiale
Wed Feb 05, 2014 8:35 pm
Forum: Investing - Theory, News & General
Topic: "How Vanguard Funds Stacked Up"
Replies: 16
Views: 2542

Re: "How Vanguard Funds Stacked Up"

The Vindication of Simplicity!
by cinghiale
Sun Feb 02, 2014 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Entire Retirement Portfolio in One Stock
Replies: 32
Views: 2990

Re: Entire Retirement Portfolio in One Stock

Past threads/discussions have brought up the strategy of investing equal amounts in Target Retirement (per Taylor's recommendation) and Wellesley Income. If your MIL is enamored with dividends, Wellesley is concentrated in only 50-60 proven dividend players. Target Retirement holds a much broader ba...
by cinghiale
Sun Feb 02, 2014 9:33 am
Forum: Investing - Theory, News & General
Topic: NY Times:For Some, Retirement Is Out of Reach. For Others, B
Replies: 17
Views: 3623

Re: NY Times:For Some, Retirement Is Out of Reach. For Other

This caught my eye: The findings are consistent with what financial experts have been warning: that baby boomers, who are often caring for ailing parents and supporting their fiscally challenged children while trying to navigate their own lives, are in over their heads. Medical problems, mortgages, ...
by cinghiale
Sat Feb 01, 2014 6:34 pm
Forum: Investing - Theory, News & General
Topic: "The Incredible January Barometer"
Replies: 17
Views: 2643

Re: "The Incredible January Barometer"

I'm stuck on the fact that this bit of wisdom is based on an n of 63. That sure ain't much to work with.
by cinghiale
Wed Jan 29, 2014 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Outstanding Steve Forbes Interview with Daniel Kahneman
Replies: 3
Views: 708

Outstanding Steve Forbes Interview with Daniel Kahneman

A recent Forbes interview with Daniel Kahneman has the Nobel Laureate sounding quite "Bogleheadish." http://www.forbes.com/sites/steveforbes/2013/01/24/nobel-prize-winner-daniel-kahneman-lessons-from-hitlers-ss-and-the-danger-in-trusting-your-gut/ A few choice moments in the exchange: On i...
by cinghiale
Sun Jan 12, 2014 7:18 pm
Forum: Investing - Theory, News & General
Topic: NY Times: In Fund Expenses, Tenths of a Point Mean a Lot
Replies: 20
Views: 2282

Re: NY Times: In Fund Expenses, Tenths of a Point Mean a Lot

Novine quoted: "The average total expense ratio, which encompasses management fees and operating expenses but not brokerage commissions and other trading costs, is 1.33 percent of assets a year for domestic stock funds and 0.97 percent for domestic bond funds, according to Morningstar I find t...
by cinghiale
Thu Nov 28, 2013 2:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: "A Thanksgiving Day with Jack Bogle"
Replies: 13
Views: 1501

Re: "A Thanksgiving Day with Jack Bogle"

Greetings to all on the forum from Italy. Here, this Thursday is just another day. But, as Americans, La Bella Signora and I are marking the day and are mindful of our immense blessings. I cannot even begin to calculate how much the Bogleheads have contributed to our knowledge, investment savvy, and...
by cinghiale
Sat Oct 19, 2013 12:12 pm
Forum: Investing - Theory, News & General
Topic: Buy High Dividend Stocks and Ignore The Noise
Replies: 71
Views: 6756

Re: Buy High Dividend Stocks and Ignore The Noise

Here's my dividend strategy: Wellesley Income Fund.
by cinghiale
Fri Sep 06, 2013 12:20 pm
Forum: Personal Consumer Issues
Topic: Why do you work?
Replies: 73
Views: 6559

Re: Why do you work?

Per Victoria's first post on this thread, not only is there "status quo bias" but there is also Status Anxiety . Anyone thinking over retirement but cognizant of the work-identity link owes him/herself a careful reading of Alain de Botton's splendid book by the same title. It provides grea...

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