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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 11:37 am
 
Forum: Investing - Theory, News & General
Topic: Article about 401k Fees
Replies: 2
Views: 304

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
Wed Feb 19, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: How did people work out in the past?
Replies: 36
Views: 2021

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 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: Great Finance History Book
Replies: 33
Views: 4167

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 7:02 pm
 
Forum: Investing - Theory, News & General
Topic: MPT, Markowitz, Efficient Frontier and Vanguard, NOT!
Replies: 66
Views: 3455

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
Sat Feb 15, 2014 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: Great Finance History Book
Replies: 33
Views: 4167

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
Fri Feb 14, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Boglehead quotes
Replies: 23
Views: 2102

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
Wed Feb 12, 2014 12:25 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Is someone in your family a member of this Forum?
Replies: 36
Views: 1908

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 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Power of Zero (0% tax bracket in retirement) book
Replies: 22
Views: 2858

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
Sun Feb 09, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a personal devils advocate.
Replies: 17
Views: 1421

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
Sat Feb 08, 2014 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a personal devils advocate.
Replies: 17
Views: 1421

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
Fri Feb 07, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 6645

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
Thu Feb 06, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Croatia
Replies: 41
Views: 2317

Re: "How Vanguard Funds Stacked Up"

The Vindication of Simplicity!
by cinghiale
Wed Feb 05, 2014 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: "How Vanguard Funds Stacked Up"
Replies: 16
Views: 2490

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 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Entire Retirement Portfolio in One Stock
Replies: 32
Views: 2762

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
Sun Feb 02, 2014 10:33 am
 
Forum: Investing - Theory, News & General
Topic: NY Times:For Some, Retirement Is Out of Reach. For Others, B
Replies: 17
Views: 3540

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
Sat Feb 01, 2014 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: "The Incredible January Barometer"
Replies: 17
Views: 2496

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
Wed Jan 29, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Outstanding Steve Forbes Interview with Daniel Kahneman
Replies: 3
Views: 661

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
Sun Jan 12, 2014 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times: In Fund Expenses, Tenths of a Point Mean a Lot
Replies: 20
Views: 2168

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
Thu Nov 28, 2013 3:17 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: "A Thanksgiving Day with Jack Bogle"
Replies: 13
Views: 1421

Re: Buy High Dividend Stocks and Ignore The Noise

Here's my dividend strategy: Wellesley Income Fund.
by cinghiale
Sat Oct 19, 2013 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: Buy High Dividend Stocks and Ignore The Noise
Replies: 71
Views: 6026

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...
by cinghiale
Fri Sep 06, 2013 1:20 pm
 
Forum: Personal Consumer Issues
Topic: Why do you work?
Replies: 73
Views: 5977

Mebane Faber's "Shareholder Yield Fund" (SYLD): Thoughts?

A recent thread on free e-books mentioned Mebane Faber's book(let) entitled Shareholder Yield: A Better Approach to Dividend Investing . I scooped it up during its "free phase" (though, with Amazon Prime, it still can be read for free) and finally had the opportunity to read it this week. ...
by cinghiale
Fri Sep 06, 2013 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Mebane Faber's "Shareholder Yield Fund" (SYLD): Thoughts?
Replies: 3
Views: 468

Re: One More "Don't Buy This Book" from Bill Bernstein

What a great descriptive line and bit of imagery from 70's Motown: "In a forthcoming e-book, “Deep Risk: How History Informs Portfolio Design,” Mr. Bernstein sifts through decades of financial data and global history to identify what creates deep risk. The four causes he came up with sound almo...
by cinghiale
Fri Aug 30, 2013 12:02 am
 
Forum: Investing - Theory, News & General
Topic: One More "Don't Buy This Book" from Bill Bernstein
Replies: 73
Views: 10046

Re: Hedonic treadmill in retirement

Victoria, I'm not surprised that you framed your original question with Daniel Gilbert in mind. You may have noticed that I used his construct of past/memory and present/perception while substituting goals and ambitions for "imagination" in looking at how we encounter the future. Gilbert w...
by cinghiale
Sun Aug 25, 2013 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Hedonic treadmill in retirement
Replies: 107
Views: 7941

Re: Hedonic treadmill in retirement

Victoria, Fact is, you will be a different "you" at the end of 2014 and your year of planned fun activities. Sometimes such a year does not raise the bar for all future perceptions of enjoyment and fulfillment (like getting used to the luxury car you had longed for and finally purchased) a...
by cinghiale
Sun Aug 25, 2013 8:11 am
 
Forum: Personal Consumer Issues
Topic: Hedonic treadmill in retirement
Replies: 107
Views: 7941

Re: Going to Europe and Getting the Best Exchange Rate

Another vote for Charles Schwab Bank and its bank card for ATM withdrawals. Not only do they refund the ATM fees, their exchange rate is very close to the posted Euro/Dollar exchange for that day. It is about the best deal going. I use the Capital One card for ALL credit card purchases abroad. No ex...
by cinghiale
Thu Aug 01, 2013 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Going to Europe and Getting the Best Exchange Rate
Replies: 9
Views: 560

Re: Why should you invest in precious metals?

Might there be some connection between investing in gold and silver and being called a "Bolehead?" :wink:
by cinghiale
Thu Aug 01, 2013 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: Why should you invest in precious metals?
Replies: 13
Views: 971

Re: Premium Products That Are Worth It To You

Ecco Shoes Vitamix blender An urban condominium in a marvelous location And a new one: Upgrading to Gold status via the Hilton Hotels "Surpass" card with American Express. La Bella Signora and I are traveling for the balance of this year. Thus far, we have stayed at Hilton properties in Ro...
by cinghiale
Mon Jun 10, 2013 11:14 am
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 36211

Re: Please advise on Gold Coin Purchase

I would be interested in knowing what 10K represents, percentage-wise, in your portfolio. If you have a half a million to a million in savings, you are dabbling with a percent or two of your assets. If you only have 30,000 in savings, you are considering a major commitment. I have held CEF, Central ...
by cinghiale
Mon Jun 03, 2013 12:50 am
 
Forum: Personal Consumer Issues
Topic: Please advise on Gold Coin Purchase
Replies: 28
Views: 1687

Re: Anyone wish to share their play money investments?

Ed 2wrote:
deleted in response of criticism as well,sorry Victoria!!!!, ... [updated with Ed 2's apology -- admin LadyGeek]

[Response to prior comment removed by admin LadyGeek]
by cinghiale
Sun May 05, 2013 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone wish to share their play money investments?
Replies: 56
Views: 3559

Re: 6 ways money *can* buy happiness

Even if it has been posted before, it is worth seeing again.

#4... Spending money to open up time... that's it, right there.

Thanks, backofbeyond, for posting.
by cinghiale
Thu Apr 25, 2013 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: 6 ways money *can* buy happiness
Replies: 5
Views: 1379

Re: How $1 fee becomes $32

nisiprius wrote: Warning: I used Excel, the same tool used by Carmen Reinhart and Kenneth Rogoff to make a huge mistake that has misguided public policy for several years... When your stess level goes down a bit, will you enlarge on this a bit? I'm familiar with the authors (and see them quoted by ...
by cinghiale
Thu Apr 25, 2013 6:59 am
 
Forum: Personal Finance (Not Investing)
Topic: How $1 fee becomes $32
Replies: 15
Views: 2411

Best/Favorite ipad Apps

I just made the jump and bought an ipad. And, with that, comes the world of apps. I would like to poll the forum: Which apps have you found to be the most essential, useful, fun, and/or innovative? I'm looking for both financial and non-financial suggestions.
by cinghiale
Fri Mar 29, 2013 11:18 am
 
Forum: Personal Consumer Issues
Topic: Best/Favorite ipad Apps
Replies: 34
Views: 3957

Re: Things to do in Israel?

I have two questions which I hope are relevant to this discussion. I do not want to hijack the thread, but simply solicit a bit of detail on two travel and spending issues. First, our investigations thus far have brought up some concerns about car rentals. For those who have rented cars in Israel, h...
by cinghiale
Sun Mar 24, 2013 11:02 am
 
Forum: Personal Consumer Issues
Topic: Things to do in Israel?
Replies: 30
Views: 1692

Re: Things to do in Israel?

La Bella Signora and I will be in Israel in June. It appears that protagnist's questions mesh well with ours. I look forward to hearing the insights and recommendations of those who have been there.
by cinghiale
Sat Mar 23, 2013 7:01 pm
 
Forum: Personal Consumer Issues
Topic: Things to do in Israel?
Replies: 30
Views: 1692

Re: asset allocation for PAUDX [PIMCO All Asset All Authorit

Per the chart that nisiprius included in his reply...

I would like to see the PIMCO fund compared to Wellesley Income-- a far better fit in terms of a managed fund of multiple assets-- that the total stock fund. That, I suspect, would be a very different looking chart.
by cinghiale
Sat Mar 09, 2013 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for PAUDX [PIMCO All Asset All Authority]
Replies: 9
Views: 722

Re: asset allocation for PAUDX [PIMCO All Asset All Authorit

What kind of annual expense ratio are you paying for this fund?
by cinghiale
Sat Mar 09, 2013 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for PAUDX [PIMCO All Asset All Authority]
Replies: 9
Views: 722

Re: Retirement experience in a foreign country?

Diogenes wrote: Actually, the most successful expats I have engaged with have one thing that is far more important than language - adaptability. While it is true that fluently speaking the native language of any country you happen to be in is best case, it is not really needed at first - as long as...
by cinghiale
Mon Mar 04, 2013 8:13 am
 
Forum: Personal Consumer Issues
Topic: Retirement experience in a foreign country?
Replies: 32
Views: 3040

Re: Retirement experience in a foreign country?

So much of one's "experience," whether in retirement or for other extended stays abroad, will depend on a very interconnected combination of personality type and language attainment. Unless you are exceptionally self-sustaining (socially), you will miss out on dimensions of social interact...
by cinghiale
Sun Mar 03, 2013 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Retirement experience in a foreign country?
Replies: 32
Views: 3040

Re: What percentage do you keep in risk free assets ?

nisiprius wrote: GLWBs... Am I the only person who see and thinks "Gay, lesbian, W, bisexual... what's the W for?" I suspect that the "W" in this case may be an abbreviation for "whatever" . By the way, congrats on 20,000+ thoughtful and well-crafted posts. :beer
by cinghiale
Sat Mar 02, 2013 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percentage do you keep in risk free assets ?
Replies: 46
Views: 2604

Re: 50 Unfortunate Truths About Investing

Thanks for posting this, Paul. If these two don't tell all: 6. There are tens of thousands of professional money managers. Statistically, a handful of them have been successful by pure chance. Which ones? I don't know, but I bet a few are famous. 7. On that note, some investors who we call "leg...
by cinghiale
Sat Mar 02, 2013 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: 50 Unfortunate Truths About Investing
Replies: 27
Views: 4379

Re: The Munchkin Man Diet

Sam I Am wrote:
Thanks, Alex, for making this exception. Very thoughtful of you, very appreciated!

Yes, just that.

What a remarkable outpouring of congratulations and concern. Without a little flexibility in the rules, this would not have happened. Thanks Alex, indeed.
by cinghiale
Sat Mar 02, 2013 7:31 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: The Munchkin Man Diet
Replies: 120
Views: 10511

Re: Vanguard closes Wellington Fund to many new accounts

linenfort asked,
I own the other one mentioned in the article. Intermediate-term tax exempt.
Should I be bailing on that?

In a word, no. There are lots of good reasons for holding this fund, especially in taxable accounts. Those reasons haven't changed.
by cinghiale
Sat Mar 02, 2013 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard closes Wellington Fund to many new accounts
Replies: 35
Views: 7265

Re: Coin Appraisal?

I don't want to side track this thread, but I was wondering if anyone has an opinion about American Federal Rare Coin and Bullion and Nicholas Grovich, its president? We recently received a large mailout with lots of glossy pages and a CD from this group. They appear to visit locales to conduct revi...
by cinghiale
Fri Feb 22, 2013 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Coin Appraisal?
Replies: 10
Views: 1046

Re: Changing User Name

Gordon,

On the other hand, if you don't want to be Gordon anymore...

https://www.youtube.com/watch?v=Trl499RByEo
by cinghiale
Sun Feb 17, 2013 5:15 pm
 
Forum: Forum Issues and Administration
Topic: Changing User Name
Replies: 18
Views: 1375

Re: Changing User Name

Victoria, Yes, but... wouldn't it be easier to open a separate account attached to a separate e-mail with a new, dictinct user name? (Uh, oh... am I suggesting something that is strictly verboten here?) That way, you could indulge your alternative persona, and still maintain your solidly-establishe...
by cinghiale
Sun Feb 17, 2013 2:51 pm
 
Forum: Forum Issues and Administration
Topic: Changing User Name
Replies: 18
Views: 1375

Re: Changing User Name

Gordon... I'm curious. Do you want to modify your user name (so that we still know that it's you), or do you want to change it altogether (and simply start over as a new person, so to speak)? If that latter, why? With almost 4000 posts under your belt, you are pretty well established around here. A...
by cinghiale
Sun Feb 17, 2013 2:36 pm
 
Forum: Forum Issues and Administration
Topic: Changing User Name
Replies: 18
Views: 1375

Re: Taleb and Kahneman: Antifragility vs. common-man attitud

Picking up on what Victoria just wrote... For those who have already read The Black Swan and might want to dip back in, let me suggest the audio version. I have found that encountering an author and his/her work via a different "gate" (in this case, the ear rather than the eye), yields new...
by cinghiale
Sun Feb 10, 2013 8:11 pm
 
Forum: Investing - Theory, News & General
Topic: Taleb and Kahneman: Antifragility vs. common-man attitudes
Replies: 147
Views: 8728

Re: "Think, Act, and Invest Like Warren Buffett" -- A Gem

First off, an excellent list of "gems" from what looks like an insightful and important book. Thanks to Taylor for picking out such a sweet selection and to Larry for the good work. I liked this idea from GettingCloseNow : I printed this, will post it in my home office and made myself a pr...
by cinghiale
Sun Feb 10, 2013 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: "Think, Act, and Invest Like Warren Buffett" -- A Gem
Replies: 41
Views: 4654

Re: Retire earlier or wealthier?

I voted for spend and give more, though not beacuse it would be my preference. I liked "both." However, a poll like this can bypass a sober truth: a nice 50% pop in net worth may not be the sole variable in finding oneself able and ready to retire. For me, making it to age 60 at work means...
by cinghiale
Sat Feb 09, 2013 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: Retire earlier or wealthier?
Replies: 25
Views: 2976
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