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Video: Interview with Jonathan Clements and Jason Zweig

Here's a great interview with 2 of the very best financial/investment journalists in the business. It's filled with excellent information, especially for those nearing or in retirement.

https://www.youtube.com/watch?v=IC1seH7Z42I
by mlebuf
Sat Apr 12, 2014 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Video: Interview with Jonathan Clements and Jason Zweig
Replies: 4
Views: 550

Re: Pay Off Mortgage

I vote for keeping the mortgage for two reasons: 1. You are both young. 2. You have a 15-year loan at an incredibly low rate. You will have the house paid off by age 53, if not sooner if you keep the mortgage. In another 5 - 10 years your salary and taxable account may grow to a size where paying of...
by mlebuf
Fri Apr 04, 2014 3:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 3793

Re: I'm 18 and very eager to start investing in stocks. Advi

Hi Nano535, From your posts, you remind me of myself when I was a freshman at LSU – eager to succeed but not sure of in which direction to go. You are getting good advice on this thread and you have come to the right place to learn the fundamentals of sound investing. Being a successful investor is ...
by mlebuf
Sun Mar 30, 2014 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: I'm 18 and very eager to start investing in stocks. Advice?
Replies: 42
Views: 2433

Re: Get ready for the Dow at 6,000 by 2016: Pro

The historical accuracy of economic and market forecasters ranks right up there with astrologers, psychics, fortune tellers and Tarot Card readers. Anybody who believes that ANYONE can forecast the market consistently is on a fool's errand.
by mlebuf
Wed Mar 05, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Get ready for the Dow at 6,000 by 2016: Pro
Replies: 46
Views: 4507

Re: Cost Analysis: Living in CA vs the South

Although I have never lived in Southern California, I have visited many times and plan to visit in the future. As someone from the South who no longer lives in the South, I believe that moving to California will give you a serious dose of sticker shock - in addition to the traffic and other issues t...
by mlebuf
Thu Jan 30, 2014 2:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 5511

Re: JOHN BOGLE'S NOMINATION FOR ECONOMIC LAUREATE

Taylor, Thank you for coming up with such a superb idea! I always knew you are smart but you've gotten a lot smarter since your birthday. :D With so many daily readers on this forum, perhaps someone who is asked to submit nominations, or someone who knows someone who is, will read your post and make...
by mlebuf
Wed Jan 29, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: JOHN BOGLE'S NOMINATION FOR PRESIDENTIAL MEDAL OF FREEDOM
Replies: 43
Views: 4452

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday, Taylor! What a privilege it is having known you all these years. You call your book summaries, "Gems" but you are indeed the true gem. You are the consummate gentleman, a great friend, and a wonderful coauthor whose leadership and contribution to this forum is priceless. Co...
by mlebuf
Thu Jan 23, 2014 4:44 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12683

Re: What does a Bogle TV look like?

Shortly after moving to our current home in 1996, I bought a 61" Toshiba rear projection TV for the family room. It weighs a ton and was very reliable. My plan was to replace it when it broke. However, it never broke. So, this September I upgraded to a 90" Sharp LED HDTV. OMG! What a diffe...
by mlebuf
Thu Jan 02, 2014 12:24 am
 
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 3938

Re: Eye Blood Vessel Broke

I'm not a physician but I have had a blood vessel burst in my eye a dozen or more times over 7 decades. Other than looking horrible, there were no other consequences.You may want to wear dark glasses to spare your friends/family. This too shall pass.
by mlebuf
Tue Dec 17, 2013 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Eye Blood Vessel Broke
Replies: 12
Views: 1164

Re: Dog qualifies for financial adviser honor

In the late '90's I got an invitation via snail-mail to apply for a Costco card. The card required paying an annual fee. I applied and was turned down. Don't ask me why. I had good credit history, a substantial net worth and the only debt I had was my home mortgage. Shortly after being refused, I go...
by mlebuf
Fri Oct 04, 2013 3:10 am
 
Forum: Investing - Theory, News & General
Topic: Dog qualifies for financial adviser honor
Replies: 19
Views: 2401

Re: "John Bogle's Enduring Wisdom"

If the measure of someone's success is the positive impact their work has on the lives of others, Jack Bogle is in a very elite category. His gift will keep on giving to us and to generations yet unborn. Thank you for the link, Taylor, and thank you, Art Carey for another great article about our men...
by mlebuf
Sun Sep 15, 2013 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: "John Bogle's Enduring Wisdom"
Replies: 14
Views: 2334

Re: Genworth Long Term Care

We purchased Genworth LTC policies in 2001 when they were known as GE Capital. A few weeks ago we received notice that our premiums will be increased by 25 percent this year and will likely increase more in future years. This will be the first rate increase.
by mlebuf
Sat Sep 14, 2013 1:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Genworth Long Term Care
Replies: 19
Views: 2006

Re: Wife: Surprise, we now have a cat.

congratulations! We are crazy about our cats in our household. Ours are very spoiled and pampered. I would also recommend doing the spaying and neutering, and don't declaw them. My cats scratch the furniture but I am just resigned to it. I will not buy new furniture till they pass on. In the do as ...
by mlebuf
Fri Sep 13, 2013 1:42 am
 
Forum: Personal Consumer Issues
Topic: Wife: Surprise, we now have a cat.
Replies: 89
Views: 7307

Re: Wife: Surprise, we now have a cat.

Hi Guitarguy, As a life long cat lover, I believe you are in for a real treat. Your story brings back memories of two cats. I had a black cat named "Oliver." I called Oliver "my good luck black cat" because I had a streak of great luck for the entire 14.5 years that I had him. Th...
by mlebuf
Wed Sep 11, 2013 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Wife: Surprise, we now have a cat.
Replies: 89
Views: 7307

Re: The Incredible Importance of Social Security

Social Security, among other things provides an inflation adjusted annuity to recipients. In attempting to find another source to determine the cost of an inflation-adjusted annuity I found an article from USA Today titled, "Should you buy an inflation-adjusted annuity?" In the article I f...
by mlebuf
Tue Sep 10, 2013 1:48 am
 
Forum: Investing - Theory, News & General
Topic: The Incredible Importance of Social Security
Replies: 97
Views: 9720

The Incredible Importance of Social Security

That's the title of a recent Scott Burns column that I found very eye-opening and perhaps you will too. Only the top decile--- the top 10 percent of all households--- has more in actual financial assets than they have in virtual Social Security wealth. At $643,100, their Social Security wealth is on...
by mlebuf
Sat Sep 07, 2013 6:24 pm
 
Forum: Investing - Theory, News & General
Topic: The Incredible Importance of Social Security
Replies: 97
Views: 9720

Re: "Crazy Talk: Buy and Hold is Dead"

Great point, Taylor. One interesting thing I've noticed about people who tell me that buy and hold is dead: They are the same ones who want me to pay them to try and time the market using my money. :annoyed

It's a con game that would make a carnival barker blush.
by mlebuf
Sat Sep 07, 2013 6:15 pm
 
Forum: Investing - Theory, News & General
Topic: "Crazy Talk: Buy and Hold is Dead"
Replies: 6
Views: 1255

Re: Predicting the Past

One of the contributors to the old Morningstar Diehard forum was a wise old investor with the username, Ozark. This is one of his posts in which he mentions "Beta" : Best wishes. Taylor Hi Taylor, Thank you so much for posting Ozark's thoughts from many years back. Those words are pure go...
by mlebuf
Thu Aug 15, 2013 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: There Is No Such Thing As Better Beta
Replies: 102
Views: 5468

Re: New Chinese version of The Bogleheads' Guide to Investin

Taylor Larimore wrote:
Fallible wrote:Congratulations Mel, Taylor, and Michael. :thumbsup

And to Jack Bogle whose vast experience and wisdom gave us guidance and inspiration.

Best wishes.
Taylor


+1
by mlebuf
Mon Aug 12, 2013 11:25 pm
 
Forum: Investing - Theory, News & General
Topic: New Chinese version of The Bogleheads' Guide to Investing
Replies: 16
Views: 1203

Re: 83% increase on car insurance !!!

After being a State Farm Customer for 35 years, they increased my homeowner's premium 70% even though I had not filed a claim in years. The agent gave me a song and dance about the number of new claims for mold. Later I learned in a "Wall Street Journal" article that State Farm put a lot o...
by mlebuf
Tue Jul 30, 2013 3:53 am
 
Forum: Personal Finance (Not Investing)
Topic: 83% increase on car insurance !!!
Replies: 23
Views: 2605

Re: lost job - can I retire now

In addition to looking at the financial picture, you may want to take a look at this site: http://earlyretirementextreme.com/does-retiring-early-lead-to-a-shorter-lifespan.html The main positive in your financial picture is that you have only one mouth to feed. That gives you the luxury of being fle...
by mlebuf
Sat Jul 27, 2013 12:21 am
 
Forum: Personal Finance (Not Investing)
Topic: lost job - can I retire now
Replies: 39
Views: 5798

Re: Really hard to avoid "Keeping up with the Joneses"!

Morgan Housel discusses the topic of consumption vs. wealth in an article entitled, "Wealth Is What You Don't See."

http://www.fool.com/investing/general/2 ... t-see.aspx
by mlebuf
Thu Jul 25, 2013 11:49 pm
 
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 93
Views: 9764

Re: Wife's birthday gift

My policy is that birthday, anniversary and Holiday gifts are all about the heart and not the pocketbook. Decide how much you want to spend and buy her something that will make her feel loved and appreciated. It doesn't have to be a romantic gift. Sometimes a gift that she will use and appreciate fi...
by mlebuf
Sun Jul 21, 2013 8:44 pm
 
Forum: Personal Consumer Issues
Topic: Wife's birthday gift
Replies: 9
Views: 1092

Re: Running of the Bulls!!!

An alternative: Running of the Bulls - New Orleans. Everybody dressed in white with red scarves like Pamplona, Spain. Rollergirls with horned helmets and plastic bats skating through the streets. https://www.youtube.com/watch?v=uw8MCLGVRyA http://www.neworleansonline.com/neworleans/festivals/multic...
by mlebuf
Sat Jul 20, 2013 2:21 am
 
Forum: Personal Consumer Issues
Topic: Running of the Bulls!!!
Replies: 25
Views: 1793

Re: Any experience with Arbonne (scam?) ?

My observation has been that the very few people who make money in MLM are those at the very top, those who speak at MLM rallies and those who sell books/audio/video programs to members. It's common to find people in the business that do all three of those things. As if by sheer coincidence, those a...
by mlebuf
Thu Jul 18, 2013 1:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Any experience with Arbonne (scam?) ?
Replies: 22
Views: 14753

Re: The hazards of retiring ...

ThatGuy wrote:
mlebuf wrote:As one of my grad school buddies told me, "Work is the curse of the drinking class." :sharebeer


You went to school with Oscar Wilde?


Yes, and I still don't have Alzheimer's. :D

Thanks for making me aware of who originated the line. Next time I'll give it the correct attribution.
by mlebuf
Wed Jul 17, 2013 4:14 am
 
Forum: Personal Consumer Issues
Topic: The hazards of retiring ...
Replies: 73
Views: 8255

Re: The hazards of retiring ...

I retired from university teaching at age 47 and that was 24 years ago. If the study is correct, my current IQ is approaching that of plant life. I do notice two marked changes as I age: I'm losing my memory and............................I forgot what the other one is. As one of my grad school budd...
by mlebuf
Mon Jul 15, 2013 8:41 pm
 
Forum: Personal Consumer Issues
Topic: The hazards of retiring ...
Replies: 73
Views: 8255

Re: I want term, they're pushing whole life.

The insurance rep will never agree that whole life is a bad investment. Don't waste your time getting into a discussion with him/her. Simply say, "I am going to buy term insurance from you or another carrier. Give me a quote, and I'll get back to you unless I get a better price elsewhere."...
by mlebuf
Sat Jul 13, 2013 10:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: I want term, they're pushing whole life.
Replies: 48
Views: 3304

Re: How to get over finance envy

Calling it "finance envy" is a misnomer because we usually don't know what other peoples' balance sheets looks like. The problem described seems more like spending envy. Unless you are Bill Gates, somebody else on the playground will always have bigger toys. Welcome to the club. One of lif...
by mlebuf
Tue Jul 09, 2013 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 167
Views: 16373

Re: I have no idea what I want to do as a career

Speaking as a former academic, you seem like a potential candidate to teach Accounting or Finance in a university, if you are willing to put in the time to get a Ph.D. in one of those fields. Unlike many academic fields, there is an enormous shortage of people with doctorates in Accounting and Finan...
by mlebuf
Fri Jun 28, 2013 3:49 am
 
Forum: Personal Finance (Not Investing)
Topic: I have no idea what I want to do as a career
Replies: 80
Views: 4369

Re: Pat Robertson investing idea

Don't invest in ANYTHING you don't understand or can't explain to a 12 year-old, regardless of who recommends it.

This thread has "Locked" written all over it.
by mlebuf
Thu Jun 20, 2013 6:50 pm
 
Forum: Investing - Theory, News & General
Topic: Pat Robertson investing idea [Master Limited Partnerships]
Replies: 41
Views: 2628

Re: Bogelheads' investable assets at retirement

How about a poll to ask only retirees how much that had in investible assets on the day they retired? Expectations are one thing and reality is another.
by mlebuf
Sat Jun 15, 2013 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads' investable assets at retirement
Replies: 43
Views: 5414

Re: What does it take to become a Boglehead?

This brings me back to the question, what does it take to successfully convert someone to a Boglehead? Rick Ferri My experience has been that the answer to Rick's question is best described by an old axiom: When the student is ready, the teacher will appear. When people come to me and ask how I inv...
by mlebuf
Thu Jun 13, 2013 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: What does it take to become a Boglehead?
Replies: 31
Views: 2258

Re: Getting rid of rats while keeping a birdfeeder

I'm reminded of a story that a friend of mine once told. Mark bought a squirrel-proof bird feeder for his backyard at a hardware store. A week or two after he installed it, he saw a squirrel eating from the bird feeder. He took the feeder back for a refund because the product didn't deliver what it ...
by mlebuf
Mon Jun 03, 2013 3:31 am
 
Forum: Personal Consumer Issues
Topic: Getting rid of rats while keeping a birdfeeder
Replies: 31
Views: 1952

Re: Investing: Is it an art or science?

One point that all of us can agree on: Investing is not an exact science.
by mlebuf
Thu May 30, 2013 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: Investing: Is it an art or science?
Replies: 47
Views: 2126

Re: "A Statistical Look at Jim Cramer's Skill Level"

Are people still taking Cramer seriously? I watched him once or twice about 10 years ago. He behaved like a middle aged man having a temper tantrum characteristic of a two year-old.

"No one ever went broke underestimating the intelligence of the American people."
- H.L. Mencken
by mlebuf
Mon May 27, 2013 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: "A Statistical Look at Jim Cramer's Skill Level"
Replies: 77
Views: 6873

Re: Remember this Memorial Day

As we pause to reflect and remember those who gave their lives so that we may enjoy the life we have, you may find this video moving and inspiring:

https://www.youtube.com/watch?v=JKqT0-3 ... ata_player
by mlebuf
Sun May 26, 2013 11:17 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Remember this Memorial Day
Replies: 14
Views: 1481

Re: Poll: Umbrella Insurance

Bought it many years ago and will very likely never need it. Nevertheless, it may come in handy if one of us accidentally hits a carload of personal injury lawyers.
by mlebuf
Fri May 24, 2013 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Umbrella Insurance
Replies: 84
Views: 4905

Re: You probably know a person like this

Well, the guy in Rick's column is right about one thing. The system is rigged..............against people like him who believe they can borrow their way to wealth. An old story from many years ago: Two real estate speculators are talking. Bob asks Bill, "What would you do if you made millions i...
by mlebuf
Thu May 16, 2013 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: You probably know a person like this
Replies: 22
Views: 3161

Re: Are you Walking in your Father's footsteps?

Fortunately, I have done far better than my parents. The big difference was education and the opportunity it provided for me. My father had an 8th grade education and my mother was a high school graduate. I graduated with a Ph.D at age 27. My parents lived in rental housing of one type or another fo...
by mlebuf
Mon May 13, 2013 4:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Are you Walking in your Father's footsteps?
Replies: 83
Views: 8501

Re: HAPPY BIRTHDAY MR. JOHN BOGLE

Belated Happy Birthday, Jack. Enjoyed seeing you have such a prominent role in "The Retirement Gamble" on PBS. You were the star of the show and rightly so. It would not surprise me to learn that Vanguard had a significant number of new investors shortly after the show aired. Your consiste...
by mlebuf
Thu May 09, 2013 10:18 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. JOHN BOGLE
Replies: 32
Views: 2384

Re: Jason Zweig on Financial Literacy Education

I'm a strong believer in the old adage that when the student is ready, the teacher will appear. Becoming financially literate is a choice. None of us are born knowing it. Seek and ye shall find. Let's use bogleheads.org as an example. Anyone with access to a computer and an online connection can acc...
by mlebuf
Sun May 05, 2013 3:48 am
 
Forum: Investing - Theory, News & General
Topic: Jason Zweig on Financial Literacy Education
Replies: 31
Views: 2608

Re: Your Move, Bogleheads: Advisor Finds DFA’s Returns Trump

Troutner is the managing director and chief investment officer of an advisory firm which uses DFA funds. What do you expect him to say? Vanguard is a low-cost provider. Of course everyone who is a higher-cost provider is going to tell you that it's a mistake to pay too much attention to costs. +1 T...
by mlebuf
Sun Apr 28, 2013 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: Your Move, Bogleheads: Advisor Finds DFA’s Returns Trump Van
Replies: 71
Views: 5013

Re: Can you help me with my irrational financial fears?

Two thoughts worth remembering: 1. "I've suffered a great many catastrophes in my life. Most of them never happened." - Mark Twain 2. "It's the bus you don't see that hits you." - Anonymous Whatever misfortune may come our way will not be prevented by worrying but rather by takin...
by mlebuf
Mon Apr 15, 2013 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you help me with my irrational financial fears?
Replies: 28
Views: 2157

Re: I'm considering this annuity with Transamerica

DON'T DO IT! In the '90's and before I discovered Boglehead investing, my former financial guru Mandrake Walletectomy sold me a TransAmerica index variable annuity. I was locked-in for 6 years and told that I would get the return of the market or something like 3 percent per year. Bottom line: My to...
by mlebuf
Sun Mar 24, 2013 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: I'm considering this annuity with Transamerica
Replies: 22
Views: 2427

Re: Girlfriend Sends Money Home Every Month...Driving Me Nut

We are not getting married :) Maitai If you aren't getting married, I don't see this as being much of a problem. You may not like the way she manages her money, but it's her money and it won't affect your economic wellbeing. So be it. If you marry her, it's a BIG problem. Money issues are the #1 ca...
by mlebuf
Thu Mar 21, 2013 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend Sends Money Home Every Month...Driving Me Nuts!
Replies: 41
Views: 4460

Re: 9 Good Financial Rules

Brilliant advice, well communicated. I would add these two additional rules to the Big 9: 1. Warren Buffet's advice to buy index funds and 2. Benjamin Graham's advice that every investor should have between 25 and 75 percent of their investments in equities at all times. Interesting to note that Gra...
by mlebuf
Fri Mar 15, 2013 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: 9 Good Financial Rules
Replies: 8
Views: 1813

Re: leather vs cloth car seats

We buy new cars with leather seats and willingly pay extra for them. The reason is because we keep our cars a long time. Leather seats wear much better than cloth. My current car will be 11 years old in September and looks/rides like it just came off of the showroom floor. Never have found leather s...
by mlebuf
Sun Mar 03, 2013 10:40 pm
 
Forum: Personal Consumer Issues
Topic: leather vs cloth car seats
Replies: 32
Views: 3349

Re: early retire--Is it for me?

Several thoughts come to mind: No matter how good or bad things are, they will change. That includes work. When I was 28 and had completed my first year as an assistant professor, I thought to myself, "If I won the lottery tomorrow, I'd still work here because I'm having so much fun." In t...
by mlebuf
Tue Feb 05, 2013 2:51 am
 
Forum: Personal Finance (Not Investing)
Topic: early retire--Is it for me?
Replies: 38
Views: 3749
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