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Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

EmergDoc wrote: extended market has walloped 500 Index by 2.5% a year over the last decade,remained slightly ahead of the small cap index and well ahead of the small cap value index.


Agree, have most of my Roth in this excellent fund.
by sschullo
Sun Apr 20, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 38
Views: 2714

Re: Baby Boomers: Top 10 Movies

peppers wrote:Clockwork Orange and 2001: A Space Odyssey

I miss HAL


And the brilliant Stanley Kubrick.
BTW, I would think his "Spartacus" is a Boomer favorite too.
by sschullo
Sun Apr 20, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 44
Views: 2746

Re: Baby Boomers: Top 10 Movies

1. Space exploration, early special effects and negative implications of technology: "2001" 2. Culture: "Bob and Carol, Ted and Alice." Saw it again a year or two ago. It's hilarious! 3. JFK conspiracy buffs: "Executive Action." Early 70s speculation of who killed JFK. ...
by sschullo
Sat Apr 19, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 44
Views: 2746

Re: Bernstein retirement plan

Thank you Greg4boat and At ease. That's the kind of feedback I wanted. Not boasting, but I've often wondered why I should "speculate" to increase the pie if it seems sufficient when the downside is a loss that can't be recovered . So I've got my 30x in safety and can "speculate"...
by sschullo
Fri Apr 18, 2014 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bernstein retirement plan
Replies: 38
Views: 5021

Re: Math challenged

Thanks for the replies! It's totally amazing how such a small number can translate into such a huge loss over a period of years. I'm kicking myself that I didn't realize sooner my husband could do a rollover from his 401k prior to retiring. I love the expense ratio calculator! Simple and easy for m...
by sschullo
Tue Apr 15, 2014 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: Math challenged
Replies: 18
Views: 1446

Re: TIAA-CREF is buying Nuveen?

This 2005 article ("TIAA-CREF surrenders in fee war with Vanguard") suggests that TIAA-CREF decided to diverge strongly from Vanguard's philosophy almost a decade ago. Before then, it was apparently trying to compete as a low-cost provider. It had so many advantages that should have given...
by sschullo
Tue Apr 15, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2461

Re: TIAA-CREF is buying Nuveen?

About old parents. My father is 97. He started with TIAA in 1956. He annuitized everything at some point, and does quite well on TIAA and Social Security (better than I do in fact). He has no complaints, and neither do I. They are certainly better than AXA Equitable and the other purveyors of TSAs....
by sschullo
Tue Apr 15, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2461

Re: TIAA-CREF is buying Nuveen?

grttobe: I think the central question is why don't they go public? Quit messing around and start making real money like Wall Street does. Is it in their Charter not to go public? Or are they trying to have it both ways to fool guys and gals like me who want them to continue as before? What is the n...
by sschullo
Tue Apr 15, 2014 10:00 am
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2461

Re: TIAA-CREF is buying Nuveen?

And their investment philosophy about shareholders is the same as vanguards, both have "one master" the fund holders. As a long-time fundholder in TIAA-CREF and Vanguard since the 1980s, and as part of a family that has been investing in TIAA-CREF since the 1960s (my mom is collecting a T...
by sschullo
Tue Apr 15, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2461

Re: TIAA-CREF is buying Nuveen?

And their investment philosophy about shareholders is the same as vanguards, both have "one master" the fund holders. As a long-time fundholder in TIAA-CREF and Vanguard since the 1980s, and as part of a family that has been investing in TIAA-CREF since the 1960s (my mom is collecting a T...
by sschullo
Tue Apr 15, 2014 9:11 am
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2461

Re: TIAA-CREF is buying Nuveen?

Make no mistake, TIAA-CREF is in it for the money. They are looking to boost their bottom line, they are most definitely not non-profit. ..and I'm one of the people who receives the profit as are all of the fund holders; underneath, TIAA is mutual insurance company, a lot like Vanguard. Mutual comp...
by sschullo
Mon Apr 14, 2014 10:52 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2461

Re: Was Wondering Why Windsor/Wellesley/Wellington?

I haven't owned these funds myself but the folks on this forum who own them are very pleased. There is a lot to be said for funds that deliver consistently good and steady returns over time. Sometimes the "stodgy" funds are the best. Boring as heck but over time deliver really good result...
by sschullo
Thu Apr 10, 2014 3:41 pm
 
Forum: Investing - Theory, News & General
Topic: Was Wondering Why Windsor/Wellesley/Wellington?
Replies: 28
Views: 3440

Re: Mr. Money Mustache: Hero or Foolish?

I think you are saying he's a poet. No, not quite, though I'm no authority on who is or isn't. To me a poet must join originality and vision with a sensitive perception of beauty. A poem is like the sound of a silver bell in one's consciousness. I think he is definitely a poet. He takes one of the ...
by sschullo
Wed Apr 09, 2014 8:45 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 244
Views: 26884

Re: advisor advice?

The fact that you came here and asked about your adviser's fees means that you are about to make an important decision that could improve your returns by reducing costs of not just from your adviser but what investments he or she has sold you.
Your curiosity has spoiled your "comfort."
by sschullo
Wed Apr 09, 2014 12:36 am
 
Forum: Investing - Help with Personal Investments
Topic: advisor advice?
Replies: 25
Views: 1540

Re: Mr. Money Mustache: Hero or Foolish?

Ivygirl wrote:
Mr. Money Mustache: Hero or Foolish? I say bright, funny, talented, original, bold, generous, unexpected, a gift to the world... and Foolish.


I think you are saying he's a poet.
by sschullo
Tue Apr 08, 2014 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 244
Views: 26884

Re: I Need Your Help Selecting 403(b) Provider

**update. Just called AXA--on my account the ER for the snp 500 is .63 with a 1.34% mortality expense. Wow! That is really unbelievable. A 1.34% mortality expense on top of the er? These products should be outlawed. S. Tried twice here in CA to require competitive bidding, those reform measures wer...
by sschullo
Tue Apr 08, 2014 11:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Need Your Help Selecting 403(b) Provider
Replies: 17
Views: 667

Re: 403b advice

(2) reallocate my entire AXA account into their Gaurenteed Interest Account that pays 3% with NO fees, wait 4 years, which at that point I can transfer it all to vanguard with no surrender fee. This is your best option. Just consider the account to be part of your bond AA. +1 Here is a website that...
by sschullo
Sun Apr 06, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b advice
Replies: 4
Views: 347

Re: How are you preparing for the coming bear market

I have an asset allocation that takes into account how much I would be comfortable losing in a bear market. Then I go on with the rest of my life. Bogleheads: I do what Geologist is doing. Best wishes. Taylor +2, also, we have used some of our portfolio gains in the last five years for home improve...
by sschullo
Sun Apr 06, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7849

Re: Mr. Money Mustache: Hero or Foolish?

StarbuxInvestor wrote:
vachica wrote: That said, if someone in his family comes down with a health condition, or his kid decides to go to college, it could be a struggle.


That is exactly what I was wondering about.


More than a struggle. The hidden horror story of our time, when illness strikes with no health insurance.
by sschullo
Tue Apr 01, 2014 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 244
Views: 26884

Re: Poll: When did you retire? Would you do it all over agai

Rattlesnake wrote:I enjoyed working but I love retirement. I was 66.....

+1
by sschullo
Sat Mar 22, 2014 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 10706

Re: Tesla S

TomatoTomahto: Welcome to Tesla family as well. I am sure you already go to Tesla forums. They provide lot of good information and folks there are also very helpful like Bogleheads but of course on Tesla issues. One of the best cars, which has been ever made. I highly recommend any one who is in th...
by sschullo
Wed Mar 12, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 431
Views: 38377

Re: How did you get through the market crash in 08-09

market timer wrote:Copious amounts of good beer, later followed by even greater amounts of cheap beer.


Beer timing, a new strategy! :-)
by sschullo
Tue Mar 11, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5452

Re: How did you get through the market crash in 08-09

I did the standard boring stuff--plan ahead for any possible outcome: Learned how to diversify from the 70% loss in the 2000-2002 crash. I was prepared by diversifying and most importantly, having the stock/bond split appropriate for my age, 30 stock/70 bonds. Lost only 11.5% in 2008 by sticking wit...
by sschullo
Tue Mar 11, 2014 10:09 am
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5452

Re: Undeserved.

The moment you realize that you want to be just like Taylor when you grow up. sschullo: Be careful what you wish for. I appreciate the undeserved compliment. Best wishes. Taylor You're welcome. St. Jack said that to you at the last reunion. I agree with him and since I am only 66, I have so much mo...
by sschullo
Wed Mar 05, 2014 1:51 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 86
Views: 5160

Re: What was your dumbest financial decision?

Two fixed annuities.
by sschullo
Wed Mar 05, 2014 1:18 am
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 8386

Re: You know you're a Boglehead when ...

The moment you realize that you want to be just like Taylor when you grow up.
by sschullo
Wed Mar 05, 2014 1:16 am
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 86
Views: 5160

Re: Tesla Motors Stock

We bought the car! Model S. The stock? Nope.
by sschullo
Thu Feb 27, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 164
Views: 11526

Re: Leaving a small amount of student debt for child to pay

frugaltype wrote:
Calm Man wrote:And let's get real. It is like paying for a meal and letting somebody else leave the tip. My father once told me he wouldn't do that and I wouldn't either.


Really? That's not unusual in my universe.

Yea, it's done all the time out our way too.
by sschullo
Sun Feb 23, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving a small amount of student debt for child to pay off?
Replies: 45
Views: 2649

Re: Great Finance History Book

Thx Bill.
by sschullo
Fri Feb 14, 2014 10:24 pm
 
Forum: Investing - Theory, News & General
Topic: Great Finance History Book
Replies: 33
Views: 4165

Re: Boglehead quotes

abuss368 wrote:
Taylor Larimore wrote:Stocks let us eat well. Bonds let us sleep well.


That was one of my favorites.

+2
by sschullo
Fri Feb 14, 2014 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: Boglehead quotes
Replies: 23
Views: 2100

Re:

[Post merged into here --admin LadyGeek] I'm currently reading a few books: Anna Karenina Emma The History of Western Philosophy by Bertrand Russell I read "The History of Western Philosophy" by Bertrand Russell as an undergrad and liked it. Read the history of the English speaking people...
by sschullo
Mon Feb 10, 2014 7:45 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2633
Views: 602514

Re: omg, did I miss the buying opportunity in stocks?

If you had been invested, as opposed to buying or selling, you already benefited.
by sschullo
Sat Feb 08, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: omg, did I miss the buying opportunity in stocks?
Replies: 54
Views: 6422

Re: How do I find a comparable benchmark?

I keep this simple. I use the 30% stock/ 30% bond allocation as an overall benchmark: https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations This allocation has returned 7.3% on average since the 1920s. My portfolio returned 6.9% because the bond allocation lost mone...
by sschullo
Thu Feb 06, 2014 8:42 am
 
Forum: Investing - Help with Personal Investments
Topic: How do I find a comparable benchmark?
Replies: 14
Views: 768

Re: Jack Bogle's advice for a rocky market...

goodenyou wrote:I think his advice is "don't do something.....stand there!"

+1
by sschullo
Tue Feb 04, 2014 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle's advice for a rocky market...
Replies: 7
Views: 2800

Re: How do I find a comparable benchmark?

I keep this simple. I use the 30% stock/ 30% bond allocation as an overall benchmark: https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations This allocation has returned 7.3% on average since the 1920s. My portfolio returned 6.9% because the bond allocation lost money...
by sschullo
Mon Feb 03, 2014 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I find a comparable benchmark?
Replies: 14
Views: 768

Re: Joined the "Two Comma Club" Today

Woodshark wrote:At 27. That is wonderful. I was around 50 before joining the club.


Same here and lost it, but recovered.
by sschullo
Sat Feb 01, 2014 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Joined the "Two Comma Club" Today
Replies: 47
Views: 4456

Re: "150 Portfolios Better Than Yours"

abuss368 wrote:Hi Taylor,

That was a good article.

Thank you for sharing.

Best.

+1
by sschullo
Fri Jan 24, 2014 11:52 pm
 
Forum: Investing - Theory, News & General
Topic: "150 Portfolios Better Than Yours"
Replies: 52
Views: 4446

Re: Portfolio and 403 (b) help for a late starter!

At your age 85% stocks is very aggressive. Unfortunately I am just starting "at this age" so I have to be as aggressive as I can. There are two ways to be aggressive in your retirement savings. High stock allocation and high savings rate. The first sometimes works. The latter always works...
by sschullo
Mon Jan 20, 2014 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio and 403 (b) help for a late starter!
Replies: 10
Views: 621

Re: Who taught you about financial responsibility?

Did your parents teach you how to manage money properly? I'm sure this question was posted on this forum before so please excuse me for repeating. I'm really curious because my parents never properly took the time to teach me financial responsibility. That being said, their reckless behavior with m...
by sschullo
Sat Jan 18, 2014 2:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Who taught you about financial responsibility?
Replies: 57
Views: 2154

Re: "What Five Days of Trading Tell Us About 2014"

My 365-day "rule" is never read predictions.
by sschullo
Wed Jan 15, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: "What Five Days of Trading Tell Us About 2014"
Replies: 18
Views: 1767

Re: Best Boglehead lesson

simplicity
by sschullo
Mon Jan 13, 2014 9:48 am
 
Forum: Investing - Theory, News & General
Topic: Best Boglehead lesson
Replies: 74
Views: 5154

Re: Learning english grammar, writing/communication skills

Writing (and reading) is uniquely human and personal. Start with a journal and begin putting one word after another. Forget about grammar for the moment (Ben Franklin knew very little about grammar and Hemingway was a bad speller). You are not writing for a teacher or somebody else. You write for yo...
by sschullo
Mon Jan 13, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Learning english grammar, writing/communication skills
Replies: 30
Views: 1432

Re: Save for decades, then quickly retire

The discussion about the decade of the 2000-2010 may not have gone as planned, while true, the question is what to do when the market goes positive, also beyond what we have planned? B. Bernstein talks about this with his hockey analogy. Permanence is an illusion, while impermanence is the norm. And...
by sschullo
Mon Jan 13, 2014 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Save for decades, then quickly retire
Replies: 19
Views: 2690

Re: At what point is a 401k/403b/457b not worth it?

Thank you, sschulo, for the link to that calculator. Unfortunately, some of the more technical explanations have gone over my head (though I'd be happy to receive further instruction). At least in my particular circumstances, the bad option is still better than the alternatives. Now I just need to ...
by sschullo
Tue Jan 07, 2014 10:19 pm
 
Forum: Investing - Theory, News & General
Topic: At what point is a 401k/403b/457b not worth it?
Replies: 14
Views: 1164

Re: At what point is a 401k/403b/457b not worth it?

Here is a calculator that gave me an estimate that fees over 1.2% makes the tax deferment moot. Check it out: http://public.sheet.zoho.com/public/the ... kortaxable
by sschullo
Mon Jan 06, 2014 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: At what point is a 401k/403b/457b not worth it?
Replies: 14
Views: 1164

Re: [Poll] What was your 2013 return?

I had an odd year. I have a 30% equity, 70% fixed income portfolio which only returned 8%. I had losses in EM and a small gold position which drug down the return. However, I sold a building lot for a $45,000 profit which increased my returned to more than 11%. I sold the gold position and resolve ...
by sschullo
Sat Jan 04, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 8532

Re: [Poll] What was your 2013 return?

6.8% return with your usual run-of-the-mill 70% bond 30% equity portfolio. About expected considering the bonds decreased. Heck I'm happy that it still beat inflation, which is my primary goal.
by sschullo
Sat Jan 04, 2014 12:19 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 8532

Re: The Funniest Movie Ever

Yea, Blazing Saddles!
by sschullo
Thu Jan 02, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10637

Re: What are your financial goals for 2014?

Other than to purchase the Telsa Model X and find the VA form that will increase my disability compensation, now that I am married, stay the course. No changes in AA. Being retired makes life a lot easier. No worries about increasing contributions, paying off house, car, non of that "young"...
by sschullo
Wed Jan 01, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are your financial goals for 2014?
Replies: 56
Views: 4047
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