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Re: Removing a beehive from mailbox newspaper holder

I'm a beekeeper, so please don't kill them if they are honeybees. Call a beekeeper, you should be able to find a local beekeeping association in your area on the web if needed. Someone should collect them for no charge. Many beekeeper clubs have a contact phone number at local fire departments, etc...
by sschullo
Sun Jul 20, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: Removing a beehive from mailbox newspaper holder
Replies: 20
Views: 2085

Re: If you own a car, do you have a car payment?

There are three major reasons why people cannot live below their means: 1. house that is too big, 2. new car payments every 3-4 years and 3. paying too much for financial advice.
by sschullo
Sun Jul 20, 2014 7:25 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 100
Views: 5330

Re: AA for a spoiled young buck

2. Is 98% stocks an okay idea for a young person like myself? It is easy for me to say this because I wasn't a "player" in 2009 so I am not weathered but I'm a stubborn guy and am confident I can stay the course with a 50% downturn. 50% loss is huge. What if it goes down to 70%? That's ha...
by sschullo
Sat Jul 19, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA for a spoiled young buck
Replies: 9
Views: 1668

Re: Variable annuity ,what's the difference ?

M&E fees don't have to be bad. Here is one from a Variable CREF (of TIAA fame) annuity: Mortality and Expense Risk Charges 0.005% Their bigger fees are administration and investment advisory services. To my knowledge, CREF is the only company that has extremely low M&E fees and no surrender...
by sschullo
Sat Jul 19, 2014 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: Variable annuity ,what's the difference ?
Replies: 14
Views: 1811

Re: Seeking Alternative Solution for her 403B…

How about a Roth for your wife?
by sschullo
Sat Jul 19, 2014 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Alternative Solution for her 403B…
Replies: 7
Views: 313

Re: Second Largest PreK-12 School District Wins a 457b award

Wow, I was expecting to be blown away by the low ER's but I wasn't really impressed. This makes me thankful for my 457b that has Vangaurd Target Retirements, 500, mid, and small all at the same ER's that Vanguard has them at. We don't have cheap International or Total Bond but I get those in our IR...
by sschullo
Sat Jul 19, 2014 12:53 am
 
Forum: Investing - Theory, News & General
Topic: Second Largest PreK-12 School District Wins a 457b award!
Replies: 11
Views: 881

Re: Professor looking for investment advice

Dear Folks, I have lurked here for many months, but have never posted before. I have been working at a university for 22 years and have a 403-B retirement account. I have only limited investments and will not get a pension. I am 54 and plan to work until my full retirement age of 67 (actually 66 ye...
by sschullo
Sat Jul 19, 2014 12:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Professor looking for investment advice
Replies: 16
Views: 1604

Re: Second Largest PreK-12 School District Wins a 457b award

Thx Ladygeek. This time LAUSD didn't screw up. I created this table. All grammar and spelling mistakes are mine.
Regarding the awards, there is no hierarchy.

That's correct Raymond. The ERs and the tpa fees are added together.
by sschullo
Fri Jul 18, 2014 1:08 am
 
Forum: Investing - Theory, News & General
Topic: Second Largest PreK-12 School District Wins a 457b award!
Replies: 11
Views: 881

Second Largest PreK-12 School District Wins a 457b award!

The Los Angeles Unified School District with all of its issues and problems has done one thing right; it won a retirement planning award from the National Association of Government Defined Contribution Administrators professional organization today. The vast majority of entries are from city, county...
by sschullo
Thu Jul 17, 2014 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: Second Largest PreK-12 School District Wins a 457b award!
Replies: 11
Views: 881

Re: Ways to lose money and destroy personal wealth by invest

Most of the comments expressed I made at some point. The key to restoration is bucking up, taking responsibility and learn and get right back to investing. Blaming the system will also destroy wealth.
by sschullo
Thu Jul 17, 2014 11:54 am
 
Forum: Investing - Theory, News & General
Topic: Ways to lose money and destroy personal wealth by investing
Replies: 81
Views: 9108

Re: POLL: Do you have a dedicated REIT allocation?

Use to own REITS. I already own REITS in the TSM. I don't see a reason to tilt more to real estate, not part of my IPS.
by sschullo
Wed Jul 16, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6733

Re: Question about managed account

30K in 28 funds :oops: Get it over to VG ASAP. TD use LS Funds, taxable TSM / Tint. I second that suggestion. You have too many funds even for a million dollar portfolio! I am confident that you will find a simpler Boglehead way of investing and grow your money for the long term. Congrats for findi...
by sschullo
Mon Jul 14, 2014 10:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about managed account
Replies: 17
Views: 1347

Re: Rebalancing Question for Portfolio

livesoft wrote:I sensed some sentiment and emotions creeping into this decision. The only way to overcome that is to meet them head one and sell all of MMM and Wellesley.
Absolutely! Except the emotions are not creeping. You are talking about my deceased mother! :happy
by sschullo
Mon Jul 14, 2014 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question for Portfolio
Replies: 17
Views: 938

Re: Rebalancing Question for Portfolio

Sorry, asking two questions when I should have asked just primary question of reducing 38% equities to 30%. Agree that simplifying the portfolio by combining or eliminating some of the equity funds will not reach the goal of 30%. Simplifying is a separate but also important issue. What I hate is reb...
by sschullo
Mon Jul 14, 2014 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question for Portfolio
Replies: 17
Views: 938

Re: Rebalancing Question for Portfolio

Thanks everyone, We have owned these funds for many years, some for over a decade.I should not have included 3M. As Kevin said, I have it for sentimental reasons. My mother brought that stock half century ago, its only 64 shares and costs nothing to own. I like the suggestions to simplify the portfo...
by sschullo
Sun Jul 13, 2014 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question for Portfolio
Replies: 17
Views: 938

Re: Rebalancing Question for Portfolio

sscritic wrote:PMM has a cost:
Expense ratio
as of 12/23/2013 0.17%

Just like in your other funds, your money is siphoned away every day.


:oops: M* reports .16%
by sschullo
Sun Jul 13, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question for Portfolio
Replies: 17
Views: 938

Rebalancing Question for Portfolio

Hi fellow Bogleheads, Below is our portfolio. http://s19.postimg.org/bzmd6e9gj/Morn_Star_Printout_of_Portfolio.png We distributed bond allocation money to purchase a Tesla and our stock allocation grew 6-7% YTD, now our stock/bond split needs to be rebalanced. http://s19.postimg.org/gk8jlbt5v/Pie_ch...
by sschullo
Sun Jul 13, 2014 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question for Portfolio
Replies: 17
Views: 938

Re: Family member as Financial Advisor

Make it simple by explaining to your dad that you (the poster) have a different investing philosophy. It will be awkward, but a good dad will understand, as livesoft said. But the financial adviser in him might not.
by sschullo
Sat Jul 12, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Family member as Financial Advisor
Replies: 29
Views: 2349

Re: Have we really solved the crisis

Thanks, rm, but your post as all the signs of ending up locked. I just finished reading another thread that was locked and it's similar in the way that both posts are doom and gloom based on media output. The culture of bonuses has never left. Like the other poster, you have fallen victim to the no...
by sschullo
Sat Jul 12, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: Have we really solved the crisis
Replies: 7
Views: 1445

Re: List of Worst financial advice (what not to do):

dhodson wrote:Mixing insurance with investing.


+1
by sschullo
Thu Jul 10, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 122
Views: 12850

Re: Why do companies put up with high expense 401k choices?

Most of the responses are right on about the reason 401ks (and 403b) are notoriously expensive. The only piece of information left out regarding the 403b is that there are cynical state insurance codes that demand school districts to make available high cost annuities if the company signs the IRS ag...
by sschullo
Thu Jul 10, 2014 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Why do companies put up with high expense 401k choices?
Replies: 15
Views: 1476

Re: Any Bogelheads get involved in private equity?

livesoft wrote:I believe it is totally unnecessary unless you get bored.


A boring portfolio is good!
by sschullo
Sat Jul 05, 2014 8:19 pm
 
Forum: Investing - Theory, News & General
Topic: Any Bogleheads get involved in private equity?
Replies: 31
Views: 3286

Re: [Poll] If all active funds have ER= 0.05%, will you buy

I said no. Its also a philosophical reason. Even the so called VG managed funds are not buying and selling because of this or that, the managers buy and sell according to the goals and requirements of that fund. For example VG's Wellington's and Wellesley managers trade the equity part of the index ...
by sschullo
Fri Jul 04, 2014 7:06 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] If all active funds have ER= 0.05%, will you buy any?
Replies: 55
Views: 2654

Re: How are you doing through the first half of 2014?

This was the first time in my life where nothing went into my investments and nothing came out in this 6-month interval. Comparing spreadsheets, It is up 5.4% with an actual 62/38 asset allocation. Coasting in retirement and just using my checking account for now. Jerry About the same here, only 27...
by sschullo
Wed Jul 02, 2014 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9300

Re: Being Polite.

Taylor Larimore wrote:Travelforfun:

Perhaps the greatest benefit of being polite is that it makes you feel better knowing you are a good human being.

Best wishes
Taylor

Yep!
by sschullo
Sat Jun 28, 2014 12:55 am
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6615

Re: [Poll] How many brokerage firms do you use for investing

IlliniDave wrote:I answered one, but maybe should have said zero. Vanguard holds all my non-401k investment accounts, all of which are mutual funds. So while they do have a brokerage arm, I don't use it.

+1
by sschullo
Tue Jun 24, 2014 12:15 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How many brokerage firms do you use for investing?
Replies: 43
Views: 2013

Re: [Poll] Have you taken any Investments course?

prudent wrote:It wasn't actually a formal "course", but man, the tuition was expensive.


+ 1
Experience losing real money, my money, is the best "course."
by sschullo
Fri Jun 20, 2014 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Have you taken any Investments course?
Replies: 60
Views: 2772

Re: Convince me to visit Italy

siamond wrote:Need I say more? 8-)

Image


And "David" in Florence. Must see!
by sschullo
Sun Jun 15, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 5311

Re: Diversification apply to portfolios as well??

That I understand....let me give an example...from the wiki: http://www.bogleheads.org/wiki/Lazy_Portfolios If person1, does 100% Coffeehouse portfolio. And person2 does 50% Coffeehouse and 50% Permanent Portfolio. Is person2 considered more diversified? Or will the difference be not much? Thanks I...
by sschullo
Tue Jun 10, 2014 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: Diversification apply to portfolios as well??
Replies: 20
Views: 810

Re: What are you doing with the market at an all time high?

Spent some on a Tesla, but did not and will not do anything else.
by sschullo
Mon Jun 09, 2014 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you doing with the market at an all time high?
Replies: 95
Views: 6497

Re: Jeremy Grantham - should you listen to him?

Of course you should listen to him. I do, but with one huge caveat: Grantham's long experience, his thinking about the investing process and the financial system are of great value. However, like all of the masters don't rely on him (or anybody else for that matter) to provide anything specific to a...
by sschullo
Mon Jun 09, 2014 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: Jeremy Grantham - should you listen to him?
Replies: 15
Views: 1341

Re: Take the Mystery Out of Retirement Planning

Thanks. Good stuff.
Interesting that this type of information is available from the DOL, but the policy makers (401k, 403b or 457bs) don't make this available. They frequently leave it up to the sales force to take their message and their expensive products to employees.
by sschullo
Thu Jun 05, 2014 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Take the Mystery Out of Retirement Planning
Replies: 11
Views: 2104

Re: Hernia Surgery

Had the mesh, no problems after 4 years.
by sschullo
Wed Jun 04, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Hernia Surgery
Replies: 15
Views: 940

Re: does frugality result in lower career ambition?

Do you believe that living a frugal lifestyle can sometimes result in having less career ambition? If you can learn to live and save on less, and not have to worry about keeping up with Joneses, you don’t need as high of a salary. Therefore, you may be reluctant to put in the extra hours and keep c...
by sschullo
Mon Jun 02, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: does frugality result in lower career ambition?
Replies: 113
Views: 8309

Re: what has biggest influence on your stock/bond ratio

age.
I may have the ability, experience and skill to adjust my portfolio to increase my exposure to equities, but at age 66, the greater risk is not worth it because I simply do not have the time to let my portfolio recover.
by sschullo
Mon Jun 02, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: what has biggest influence on your stock/bond ratio
Replies: 27
Views: 1704

Re: Worst "Large purchase" ever?

No regrets.
by sschullo
Sun May 25, 2014 7:54 pm
 
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 11595

Re: Going Offroad ["play money" investing]

livesoft wrote:Nope. No playing around. We stay invested. It is enough to rebalance on an RBD for me.


+1
I can think of many different ideas or causes to support. How about being a producer of a struggling local theater group. Who knows, it might become a hit!
Think different.
by sschullo
Sun May 18, 2014 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: Going Offroad ["play money" investing]
Replies: 73
Views: 4347

Re: Is the Vanguard Balanced Index Fund all I need?

If most working Americans do what you are doing with the 60/40, the retirement crisis would end overnight!
by sschullo
Fri May 16, 2014 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all I need?
Replies: 59
Views: 5597

Re: Is heavy insider buying always a positive sign for a sto

Insider trading I am sure has been looked at as a predictive measure for decades, probably since the republic was created. So has the inverted yield curve, interest rates, wars, peace, unemployment rate moves, CPI, inflation rate, change of CEO, increase (or decrease) company dividends, stock tradin...
by sschullo
Fri May 16, 2014 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: Is heavy insider buying always a positive sign for a stock?
Replies: 19
Views: 1182

Re: why do investors keep buying actively managed funds?

Because they can brag at parties. We can offer long term gains, which isn't nearly as attractive as a party favorite. Regarding Wellington: one poster quoted VG which has a disciplined approach as the reason why people keep buying into managed funds over passive investing. Wellington is not the usua...
by sschullo
Fri May 16, 2014 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: why do investors keep buying actively managed funds?
Replies: 104
Views: 7084

Re: What is the best brand of 3 ton air conditioner & furnac

We received an estimate from a contractor to install a new air conditioner unit and furnace. He talked up Amanas as if they were clearly the best. He was convincing. It was the only brand he installs. I went online and read reviews for the Amana air conditioners and they were poor. Which is the mos...
by sschullo
Fri May 16, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: What is the best brand of 3 ton air conditioner & furnace?
Replies: 46
Views: 2578

Re: Books for someone who is not that interested

overst33r wrote:I enjoyed The Richest Man in Babylon immensely.

It was very entertaining, and the principles are relevant today as they were since the dawn of mankind. This should spark some thirst for specifics applicable today.


+1
by sschullo
Tue May 13, 2014 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: Books for someone who is not that interested
Replies: 48
Views: 3234

Re: Tesla S

Took delivery a couple of weeks ago. A service station just opened up not 6 miles from our home last weekend. Ready to drive across our beautiful state to see family all the way up to N. CA. So far we saved about $250 in gas while paying about $30.00 in electricity, except our power is next to nothi...
by sschullo
Tue May 13, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 506
Views: 49674

Re: "Fortune favors the bold" (or does it?)

There's a reason most millionaires in this country got that way through entrepreneurship. Are we to expect that all of them are lucky? Are all of you lucky for that matter? Nothing wrong with being lucky too. Of course, one has to work hard, that's a given, but doesn't always end up becoming a Stev...
by sschullo
Mon May 12, 2014 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: "Fortune favors the bold" (or does it?)
Replies: 31
Views: 2465

Re: RETIRING May 31! Any advice .....?

All, It appears that I am in very good company! Appreciate the advice and the validation RE: my plan. I like Victoria's plan as well. Thanks all. May we all enjoy vibrant and healthy retirement years!! It is all good! You got it. You're all set. I also retired at 60, six years ago and love it. It t...
by sschullo
Sat May 10, 2014 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8588

Re: 2014 Boglehead Predictions Thread

US equities will have a positive year but not as strong as last year. EMs will do better this year than last year. Bonds will have another lackluster year in general and Corporates will outperform Treasuries and TIPS. US small cap outperformance relative to large caps will decline or disappear next...
by sschullo
Sat May 10, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: 2014 Boglehead Predictions Thread
Replies: 57
Views: 5177

Re: Happy Birthday John C. Bogle !

Great meeting you at the last reunion. I still remember your response when I said that I wrote you letters about the 403b and you said " don't get me started on the 403b!"
Happy birthday!
Steve
by sschullo
Thu May 08, 2014 11:25 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday John C. Bogle !
Replies: 37
Views: 1801

Re: Are Historical Returns Irrelevant?

Although the academic evidence to date suggests that the only thing that's somewhat reliably predictive is that very poor performance tends to continue. Outperformance does not. Why would it go one way and not the other? Part of the answer is from behavioral science literature, people respond to fa...
by sschullo
Thu May 01, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: Are Historical Returns Irrelevant?
Replies: 44
Views: 2816

Re: How long, to let cash sit in savings?

It's your money, but since you asked: 1. As investors, we should have a purpose with our money: either grow it as genuine investments (stocks and bonds), donate it to charity or spend it on yourself or gifts to children or a worthy cause. 2. With inflation and taxes you will lose money. 3. That mone...
by sschullo
Fri Apr 25, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: How long, to let cash sit in savings?
Replies: 6
Views: 1536
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