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Re: Daily Telegraph: World War One Archive

Studying history in this way (daily news reports and editorials) can provide a perspective one can't get by picking up a history book. Our understanding is always slanted since we know the outcome. When you start "living" the events day to day, you begin to appreciate that to the people li...
by fishndoc
Sun Aug 03, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 115
Views: 9233

From the mouths of Babes...

FARGO, N.D. (AP) - A class of sixth-graders from North Dakota has schooled some of the best college business students in the country on the stock market. It started as a competition between the regular and advanced math classes at Fargo's Oak Grove Lutheran School, where Dave Carlson was teaching h...
by fishndoc
Mon Apr 07, 2014 6:24 pm
 
Forum: Investing - Theory, News & General
Topic: From the mouths of Babes...
Replies: 0
Views: 434

Re: Potential Move - NYC to Charleston SC

While I have not lived in Charleston, I have spent a good bit of time in Savannah. For someone not personally familiar with the heat and humidity you will be facing, I would highly recommend spending maybe a month - July or August - in Charleston before making the move. I realize some people can dea...
by fishndoc
Fri Apr 04, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Potential Move - NYC to Charleston SC
Replies: 16
Views: 1644

Re: Do you own / have you owned a Chevrolet Volt?

Well, if you have an electric car and live in metro-Atlanta, do not try to charge it at your children's school, or you will end up in jail, even for only 5 cents worth of electricity: http://www.11alive.com/news/article/314666/186/Electric-car-owner-charged-with-stealing-5-cents-worth-of-juice
by fishndoc
Mon Jan 06, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Do you own / have you owned a Chevrolet Volt?
Replies: 39
Views: 4523

Re: msn: "You Really Can Time The Stock Market"

My wife drew BlackJack FIVE times in row on her last visit to Vegas (seriously)- sure doesn't mean she has a skill that means anything for the next trip. Always easy to find someone in retrospect who beat the market for several years, but that info is worthless - predicts nothing for going forward. ...
by fishndoc
Tue Dec 24, 2013 7:24 pm
 
Forum: Investing - Theory, News & General
Topic: msn: "You Really Can Time The Stock Market"
Replies: 30
Views: 2890

Re: Have you noticed Amazon often does not credit your refun

I call them,


I'm amazed that you can find a number to call and actually talk to a human (or did you actually talk to someone?)!
The difficulty in reaching a real "live" customer service rep when you need one is about my only complaint about Amazon.
by fishndoc
Sat Dec 21, 2013 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you noticed Amazon often does not credit your refunds?
Replies: 26
Views: 2444

Re: Fool's Gold

In one of my favorite Seinfeld episodes, George Constanza has an epiphany that all of his instincts have been wrong, and that he would be best served by doing the opposite . It seems that many, if not most, investors would benefit from the same epiphany. Excellent article Larry. I believe those las...
by fishndoc
Thu Dec 19, 2013 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: Fool's Gold
Replies: 69
Views: 4223

Re: Why bonds within your asset allocation?

I should be using. I had the option to put money into a fund that guarantees a 5% return. I can only allocate money into it once a year. I ended up putting about 40% of my "traditional" retirement into the fund. Could it be that this "fund" is actually a variable annuity with a ...
by fishndoc
Thu Dec 19, 2013 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why bonds within your asset allocation?
Replies: 27
Views: 2934

Re: Short Term Bond Funds

Pros and cons to both bond funds and CDs - I actually use mainly CDs, Treasuries and TIPS, and keep enough in bond funds to rebalance occasionally. But remember, pretty much all of the "wisdom" espoused on this forum about the superior performance of bond funds has been "learned"...
by fishndoc
Tue Nov 26, 2013 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short Term Bond Funds
Replies: 51
Views: 6057

Re: The JFK Assassination

If one believes in destiny, then you have to believe Kennedy's "calling" was to lead us thru the Cuban Missle Crisis without stumbling into WWIII - I doubt any other political leader of that time could have accomplished that. I have always believed that like Lincoln, once his mission was a...
by fishndoc
Sun Nov 24, 2013 12:33 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: The JFK Assassination
Replies: 42
Views: 2677

Re: Adding an international bond fund?

I think their assumption is that this is a slippery slope into active management. A complicated portfolio depends on a complicated rationale -- . A very wise Boglehead once posted the following on this forum (sorry, I don't have the original link to give proper credit): A simpler portfolio keeps sm...
by fishndoc
Wed Aug 21, 2013 2:50 pm
 
Forum: Investing - Theory, News & General
Topic: VG Total International Bond Fund is open
Replies: 82
Views: 11658

Re: Retirement Income from Life Insurance

Either way, the income taken from the policy is tax free to the policy holder. Gee, maybe you could help this young man with his tax problems from all this "Tax free income": http://www.bogleheads.org/forum/viewtopic.php?f=2&t=116341#p1694390 Again, you are using generalities, trying ...
by fishndoc
Thu Jun 20, 2013 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Income from Life Insurance
Replies: 42
Views: 3047

Re: Retirement Income from Life Insurance

Fishndoc, what am I trying to show (or determine) is if the tax-free nature of life insurance performs outweighs the fees that are being charged on it, compared to a taxable investment account with management fees also on that. Could you explain the "tax-free nature of life insurance" (in...
by fishndoc
Thu Jun 20, 2013 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Income from Life Insurance
Replies: 42
Views: 3047

Re: Retirement Income from Life Insurance

Well, there are two options here: 1. Invest directly in a low cost, broadly diversified portfolio of bonds and equities (also buying low-cost term insurance to cover your obligations until you have saved enough), and receive ALL the returns from your investments, OR 2. Give your money to the insuran...
by fishndoc
Wed Jun 19, 2013 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Income from Life Insurance
Replies: 42
Views: 3047

Re: Article on Active Vanguard funds outdid Index - Thoughts

Two thoughts: 1. It is not so much that index funds outperform active funds, it is that low cost, low turnover funds outperform high cost funds. Most Vanguard active funds are fairly low cost. 2. Past performance does not predict future returns. I will stick with my core of super-low cost index fund...
by fishndoc
Tue Jun 18, 2013 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Article on Active Vanguard funds outdid Index - Thoughts?
Replies: 11
Views: 1583

Re: Life insurance (whole) and other strategies

HomerJ wrote:
mk2013 wrote:However there are products that perform better and allow for better income than say a buy-term and invest the difference.


No there isn't.

Well, at least those products do provide better income for the insurance salesman.
Out of the pocket of the client.
by fishndoc
Sat Jun 15, 2013 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Life insurance (whole) and other strategies
Replies: 42
Views: 2054

Re: Life insurance (whole) and other strategies

Sure they might be other opportunities elsewhere, but life insurance should be considered as an investment, especially for the wealthy I've known a fair number of people most of us would consider wealthy, and a couple (one a relative) who would be considered very wealthy (9 figures). Not a single o...
by fishndoc
Thu Jun 13, 2013 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Life insurance (whole) and other strategies
Replies: 42
Views: 2054

Re: Discussion with Adviser

There was a post on this forum a good many years back that I copied and have pasted above my desk, just in case I get the urge to do something stupid with my portfolio. Sorry, I don't have the name of the original author: ...I continue to think investing is as much or more psychological/behavioral a...
by fishndoc
Tue Jun 04, 2013 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Discussion with Adviser
Replies: 32
Views: 2722

Re: Whole Life - Mess - Any way out?!?

This is one of those bad decisions we all make occasionally in life; I'm certainly no insurance expert, but sounds like trying to keep this policy afloat by putting more money in is just gonna compound the problem, and you eventually will get backed into a corner and have to deal with it (unless you...
by fishndoc
Tue May 14, 2013 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life - Mess - Any way out?!?
Replies: 93
Views: 5993

Re: fixed indexed annuity

.I guess every person in the country who sells these products is an evil dishonest thief.That is what the bogleheads believe I guess.It is not like Mr.Bogle did not become very rich selling all of you his mutual funds.Vanguard sells variable annuities...what about that??? I'm afraid you know even l...
by fishndoc
Tue Apr 02, 2013 10:28 am
 
Forum: Investing - Theory, News & General
Topic: fixed indexed annuity
Replies: 58
Views: 2997

Re: NY Life Custom Whole Life Insurance - 28yo Single Father

You might find it helpful to pick up one of Dave Ramsey's books - he gives great advice on getting out of debt and living within your means.

Just skip over his (very limited) investment advice, as most of us on this forum consider it misguided at best.
by fishndoc
Thu Mar 07, 2013 10:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: NY Life Custom Whole Life Insurance - 28yo Single Father
Replies: 40
Views: 2083

Re: Re:

This is a *long* thread. Would it be possible for you or someone else to summarize it in a few paragraphs or is it something I'm just going to have to read? Young whippersnapper thinks he has everything figured out and loses his shirt. and becomes much wiser for the experience. As should anyone who...
by fishndoc
Thu Feb 21, 2013 11:52 am
 
Forum: Investing - Theory, News & General
Topic: A different approach to asset allocation
Replies: 1417
Views: 483718

Re: Young investor with stable income - leveraged investment

Anyone who considers using leverage for their portfolio should spend the time to read thru what I think is the classic thread on this forum:
http://www.bogleheads.org/forum/viewtopic.php?t=5934&postdays=0&postorder=asc&start=0
by fishndoc
Thu Feb 14, 2013 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young investor with stable income - leveraged investments?
Replies: 9
Views: 1932

Re: Breaking in engine on new car

While I had always previously followed the drive-it-easy-during-breakin-period philosophy, when I last purchased a new F-150, I picked it up from the dealer just a couple of days before we set out on a month-long cross country trip, loaded with 2 kids, a bed full of gear and luggage, and towing a 30...
by fishndoc
Fri Jan 25, 2013 1:43 am
 
Forum: Personal Consumer Issues
Topic: Breaking in engine on new car
Replies: 43
Views: 3260

Re: Fidelity Portfolio Advisory Service [Going to Arbitratio

What will be the reaction of the advisors and their personnel situation if I meet with them and tell them I am going to file for arbitration? Are they going to be willing play their hand in arbitration? We are talking about them and their position not the company! From what I've read, even very leg...
by fishndoc
Wed Jan 16, 2013 10:55 am
 
Forum: Investing - Theory, News & General
Topic: Fidelity Portfolio Advisory Service [Going to Arbitration]
Replies: 29
Views: 3173

Re: Review of In-Laws

Medical is the big outlier. They do have supplemental insurance and it's one of the bigger expenses each month. However, if the nursing home situation happens, it will wipe them out and end up on medicaid for sure. Trading their home equity for cash may have been a mistake, if one of them needs nur...
by fishndoc
Wed Jan 16, 2013 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Review of In-Laws
Replies: 16
Views: 1434

Re: [Affordable Care Act] current law early retirement

Vermont's already taking advantage of this waiver: it plans to implement a single-payer system in 2017. :idea: Thanks for the link. I had not heard about this. Should be a very interesting experiment: in Vermont, the idea is that everyone would be insured through a state-funded pool called Green Mo...
by fishndoc
Fri Nov 09, 2012 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: health insurance for early retirees under current law
Replies: 50
Views: 6642

Re: Is this a Really Bad Day?

Before a major election such as this, both sides drink their own kool-aid, believing that when their candidate(s) win, and everything will be OK.

After the election, reality sets in for both sides, as they realize there are serious problems ahead, and no magic bullet.
by fishndoc
Wed Nov 07, 2012 10:57 pm
 
Forum: Investing - Theory, News & General
Topic: Is this a Really Bad Day?
Replies: 52
Views: 6528

Re: Need advice on how to invest/ who to trust.

Assuming you told him you didn't want to lose money and you wanted this money in five years, yes, you were given bad advice and he is not someone you should trust. In your situation, the best thing to do is find a good 5 year CD . You should be able to find something paying a little more than 2% ri...
by fishndoc
Mon Oct 29, 2012 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on how to invest/ who to trust.
Replies: 21
Views: 1520

Re: Merriman's advice for adding bonds over tine

A more “natural” allocation plan for how real people act is to start lower in stocks and then build up over time. For example: Ages 20-25: 40% stocks Ages 26-30: 50% stocks Ages 31-40: 60% stocks Ages 41-60: 60%-80% stocks depending on risk tolerance Ages 61 >: Whatever financial needs dictate Rick...
by fishndoc
Thu Oct 25, 2012 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Merriman's advice for adding bonds over time
Replies: 65
Views: 6247

Re: any recommended books to learn about Civil War

Here is an article Britain in the American Civil War on Wikipedia The Confederacy, and its president Jefferson Davis, believed from the beginning in "King Cotton" -- the notion that British dependence on cotton for its large textile industry would lead to diplomatic recognition and mediat...
by fishndoc
Sun Oct 21, 2012 1:11 pm
 
Forum: Personal Consumer Issues
Topic: any recommended books to learn about Civil War
Replies: 59
Views: 2941

Re: any recommended books to learn about Civil War

wbond wrote:Somewhat off-topic and anachronistic question: would Sherman - as the first president of LSU - have been a college football fan?

If Sherman were reincarnated as a college football coach, he would have to be Nick Saban.
by fishndoc
Sun Oct 21, 2012 12:04 am
 
Forum: Personal Consumer Issues
Topic: any recommended books to learn about Civil War
Replies: 59
Views: 2941

Re: any recommended books to learn about Civil War

Maybe not the most complete history of the war, but by far the most interesting (IMHO) is "April 1865, the Month that Saved America" by Jay Winik. He reviews all the pivotal events of that single month, from Lee's surrender, the final military events of the war, and Lincoln's assassination...
by fishndoc
Sat Oct 20, 2012 11:10 pm
 
Forum: Personal Consumer Issues
Topic: any recommended books to learn about Civil War
Replies: 59
Views: 2941

Re: Investing After My Lawsuit - REALLY LOST!!!!

i went to art school and have been doing web design for years getting by... working in webdesign i have been able to keep our heads above water... Perhaps you should use some of the money to train yourself for a new career? A better paying job that you enjoy would likely be the best "investmen...
by fishndoc
Tue Oct 16, 2012 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing After My Lawsuit - Really Lost!!!!
Replies: 29
Views: 3279

Re: What's your favorite online source for news?

I suppose it depends on a person's political leanings, but unfortunately it is just about impossible to find a news source that doesn't have a significant bias in favor of one political party or another. :oops: Try BBC - especially good for world news, and a different perspective on issues here in ...
by fishndoc
Mon Sep 24, 2012 7:20 pm
 
Forum: Personal Consumer Issues
Topic: What's your favorite online source for news?
Replies: 39
Views: 3305

Re: Impact of shale/tight oil on economy

The best source I have found for a non-biased discussion of energy matters is the R-Squared Energy Blog: http://www.consumerenergyreport.com/columns/rsquared/ Here is a brief article from the site on "The Effect of New Production Methods on U.S Oil Output": http://www.consumerenergyreport....
by fishndoc
Tue Sep 18, 2012 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Impact of shale/tight oil on economy
Replies: 13
Views: 736

Re: Using Window Air Conditioners to lower energy bill?

Dear Wife loves it cold, especially when we sleep, so I added a small window unit to our bedroom a few years back, and it seemed to drop our electric bill, and definitely added to comfort. The noise which some complain of is actually very soothing after a short while - now we have trouble sleeping w...
by fishndoc
Mon Sep 17, 2012 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Using Window Air Conditioners to lower energy bill?
Replies: 33
Views: 2012

Re: WSJ article on End-of-Year tax law changes

Because of potential changes next year, Vanguard is hosting a webcast "The urgent state of estate planning" on Thursday, Sept. 13 at 7PM EDT. You may wish to register to participate. I plan on listening in. Jim Thanks a lot. Been worrying about this very problem, as we get closer to end o...
by fishndoc
Mon Sep 03, 2012 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: WSJ article on End-of-Year tax law changes
Replies: 36
Views: 3132

Re: "Death Takes a Policy" - annuity loophole

mickeyd wrote:
many of the other typical organizations that turn a profit from death: florists, cemetery, Church/Temple, pensions funds, etc.


Funeral homes, attorneys, auction houses, insurance agents...


and Family members if there is life insurance.
by fishndoc
Mon Sep 03, 2012 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: "Death Takes a Policy" - annuity loophole
Replies: 23
Views: 2641

Re: Energy Star fridge not saving $$$

Based on personal experience, and that of a knowledgable friend who has an appliance repair business: 1. Your new fridge IS using less electricity than your old one (agree, too many variables in just looking at total power bill) 2. Your new fridge will come no where near lasting the 28 years of your...
by fishndoc
Sun Sep 02, 2012 11:00 am
 
Forum: Personal Consumer Issues
Topic: Energy Star fridge not saving $$$
Replies: 37
Views: 4061

Re: "Death Takes a Policy" - annuity loophole

I didn't hear the very end of the story but I think he eventually had to stop I listened to the story on This American Life, and after the insurance companies figured out what was going on and failed at civil suits, the FBI became involved, and brought criminal charges for fraud against him. Don't ...
by fishndoc
Wed Aug 29, 2012 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: "Death Takes a Policy" - annuity loophole
Replies: 23
Views: 2641

Re: Neil Armstrong, First Man on Moon, Dies at 82

The side-by-side headlines on MSN.com this morning are:
"Neil Armstrong dies" and "Snooki gives birth to baby boy".

Sort of an ominous hint of the future of America?
:(
by fishndoc
Mon Aug 27, 2012 12:22 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Neil Armstrong, First Man on Moon, Dies at 82
Replies: 15
Views: 1754

Re: Do You Haggle? If so: when, for what, how?

I may occasionally haggle for "goods" (i.e. autos, big applicance purchase), but NEVER for services. If the plumber tells me its gonna cost $X to fix a problem, I either pay it or get another estimate. Almost any workman can take short cuts that more than make up for the few dollars you sa...
by fishndoc
Tue Aug 21, 2012 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Do You Haggle? If so: when, for what, how?
Replies: 94
Views: 9649

Re: SPIAs

Hi Cody: The adviser was ill-informed or a liar. You were wise to disengage as quickly as possible. Taylor hit the nail on the head; absolutely no reason to waste your time debating these guys, whether they are annuity salesmen or stock brokers (unless you are bored and want to waste their time). A...
by fishndoc
Tue Aug 21, 2012 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial consultant really bothered me
Replies: 34
Views: 3918

Re: Bought First iPad - Not sure if we like it

A system, that when looking at how fast technology products are outdated and obsolete costs a lot more to upgrade. I bought my first Mac about 5 years ago now, and still have not had a single problem, or even needed to do an update. Honestly, I can't remember a single time it has even frozen on me,...
by fishndoc
Fri Jul 27, 2012 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Bought First iPad - Not sure if we like it
Replies: 104
Views: 8862

Re: help identifying investments from hell

Pretty much anything and everything recommended to me by my old friendly Merrill Lynch "advisor". :twisted:
by fishndoc
Wed Jul 25, 2012 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: help identifying investments from hell
Replies: 47
Views: 4935

Re: Older couple being swindled w/ Genworth Variable Annuity

Family members are in their mid to early 50s and have been independent contractors their whole careers. They have always had their own business and have not been fortunate to have a 401K or something along the lines. Financially, they are not doing wel and, other than this, they do not have any ret...
by fishndoc
Wed Jul 25, 2012 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Older couple being swindled w/ Genworth Variable Annuity
Replies: 23
Views: 5816

Re: Life insurance

Even though, as Taylor pointed out, the company credit risk for Term Insurance is not a major concern, I would still consider buying the policies from more than one company. Personally, I would buy four $1M policies from four different companies. May cost a few more dollars, but as the past few year...
by fishndoc
Wed Jul 25, 2012 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 25
Views: 1730

Re: Amazon’s Same Day Delivery Will Kill Local Retailers

Speed of delivery is a non-issue. It doesn't really matter whether something takes a day or a week to show up. It depends on what I'm ordering. Recently my power window switch on my vehicle went out. Called local chain parts store and got a price (ouch!). Did a google search and found I could order...
by fishndoc
Fri Jul 13, 2012 7:17 am
 
Forum: Personal Consumer Issues
Topic: Amazon’s Same Day Delivery Will Kill Local Retailers
Replies: 29
Views: 4144

Re: Amazon’s Same Day Delivery Will Kill Local Retailers

Obviously the folks running Amazon know what they are doing, but it seems like this move could negate two of their biggest advantages: not having to maintain a large number of "bricks and mortar" locations, and the ability to limit their inventory by keeping it centralized. Also, I would t...
by fishndoc
Thu Jul 12, 2012 9:41 pm
 
Forum: Personal Consumer Issues
Topic: Amazon’s Same Day Delivery Will Kill Local Retailers
Replies: 29
Views: 4144
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