Search found 917 matches

by cinghiale
Tue Sep 27, 2016 3:53 am
Forum: Personal Consumer Issues
Topic: Bogleheads for Diet/Nutrition?
Replies: 64
Views: 3506

Re: Bogleheads for Diet/Nutrition?

In before the lock? Huh? Go to the link provided by AlohaJoe . That thread had 340+ posts and wasn't locked. While the OP does not explicitly touch on the substance of investing, s/he does inquire about diet and nutrition in a way that parallels the process of it as articulated in this forum: Is the...
by cinghiale
Tue Sep 27, 2016 2:30 am
Forum: Personal Consumer Issues
Topic: Bogleheads for Diet/Nutrition?
Replies: 64
Views: 3506

Re: Bogleheads for Diet/Nutrition?

There are contending viewpoints about what constitutes an optimum diet... even among Bogleheads. Picking up on what surfhb already wrote, I would point you to Michael Pollan's seven word approach, found in his book, In Defense of Food : --Eat food. --Mostly plants. --Not too much. That's the dietary...
by cinghiale
Sun Sep 25, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: Protein Powders
Replies: 45
Views: 3011

Re: Protein Powders

For pennies on the protein powder dollar, sprout dried peas, lentils, and various beans. Lovely sprouts can be had in custom sprouters or ball jars with mesh lids in just three days. Lots of bioavailable protein, fiber, and micronutrients. They blend right into a smoothie and taste quite benign. :beer
by cinghiale
Sat Sep 24, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: 100 Things Not Worth a Penny
Replies: 32
Views: 2481

Re: 100 Things Not Worth a Penny

This is an obvious manifestation of Bogle's Third Law of forum posts: "For any list of superlatives there will be an equal and opposite list of horribles." That said, I'll nibble at the bait: 1) Most vitamin and mineral supplements. Nutritional research has advanced by leaps and bounds ove...
by cinghiale
Fri Sep 23, 2016 12:16 pm
Forum: Investing - Theory, News & General
Topic: "In Defense of Bonds"
Replies: 33
Views: 4378

Re: "In Defense of Bonds"

An excellent reminder. Here's an important takeaway: In addition, one must consider what stock returns are likely to be in an environment in which expected real returns for bonds are low. When bond returns are unattractive, more investors move money into stocks, bidding up their price, and lowering ...
by cinghiale
Fri Sep 23, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 228
Views: 22318

Re: The Bogleheads' "100 Things Worth Every Penny" List

All these great responses gets the synapses firing! Here's one I read years ago when some of the most wealthy people in the world were asked, "What's your greatest luxury?" The top response: Being able to sleep without an alarm and sleep until one naturally wakes up. So, I'm going to call ...
by cinghiale
Thu Sep 22, 2016 2:04 pm
Forum: Investing - Theory, News & General
Topic: Help understanding the attraction to W & W [Wellington/Wellesley]
Replies: 38
Views: 3846

Re: Help understanding the attraction to W & W [Wellington/Wellesley]

Back in the summer of 2014, I asked, "Do Wellesley's Equities Outperform?" Here's the link to the thread: https://www.bogleheads.org/forum/viewtopic.php?t=142288 As psteinx cautioned, you need an appropriate benchmark to make valid comparisons and arrive at an answer. I provided four funds...
by cinghiale
Thu Sep 22, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Aging and Spending
Replies: 29
Views: 4026

Re: Aging and Spending

Allow me a bit of interpretive freedom here to substitute "retired" for "65+" in age. My answer is yes, at least in theory. A few days ago, I posted this on another thread: I would try to enjoy some of it during my first ten years of retirement. Too many posts engage in hand-wrin...
by cinghiale
Tue Sep 20, 2016 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Two questions ["Age in Bonds" vs. Risk Tolerance]
Replies: 24
Views: 1451

Re: Two questions

I have always liked the idea of multiple "tests." First, what is my age, and how does the "age in bonds" suggestion feel? Second, per Larry Swedroe, what is my ability, willingness, and need to take risk? That requires three separate evaluations. And "ability" and "...
by cinghiale
Tue Sep 20, 2016 8:52 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 228
Views: 22318

Re: The Bogleheads' "100 Things Worth Every Penny" List

Big thanks to all who have chimed in thus far. Lots of good thoughts and suggestions to toss around and consider.

I particularly liked this rule of thumb from MNGopher:
I like quality that comes between me and the deadly forces of gravity.

Hard to gainsay that one!

Cheers, :beer
by cinghiale
Mon Sep 19, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 228
Views: 22318

The Bogleheads' "100 Things Worth Every Penny" List

A recently locked thread entitled "How to sleep like a billionaire" posed an intriguing question but then skidded off the rails. In it, new poster Niemanterry mentioned a couple of past articles in Forbes along the lines of "100 things worth every penny." I did a quick Google sea...
by cinghiale
Mon Sep 19, 2016 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: How do you view money over and above your number?
Replies: 47
Views: 4376

Re: How do you view money over and above your number?

A contrarian view (to most that have been posted this far). I would try to enjoy some of it during my first ten years of retirement. Too many posts engage in hand-wringing about outliving retirement savings. Too few talk about taking advantage of the opening years of retirement--while one still has ...
by cinghiale
Mon Sep 19, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 137
Views: 8110

Re: Favorite Coffee

Since many Bogleheads travel, here are two excellent coffees that can be bought in supermarkets across Europe. 1) Illy espresso blend. Someone already mentioned this unthread. It is consistently smooth and delicious, and does well in a European "Moka" stovetop coffee maker, which seem to b...
by cinghiale
Thu Sep 01, 2016 3:29 am
Forum: Investing - Theory, News & General
Topic: Deadspin - A Salute to John Bogle
Replies: 16
Views: 2311

Re: Deadspin - A Salute to John Bogle

Odd, odd, odd. Excise the expletives from this piece and you have a very well written salute to Mr. Bogle. Toss the gutter words aside and give it a read: It is tightly written, covering the core "articles of the faith," with no fluff or frivolousness. It would be a pleasure to recommend t...
by cinghiale
Tue Aug 30, 2016 5:46 am
Forum: Personal Finance (Not Investing)
Topic: TIAA-CREF
Replies: 6
Views: 873

Re: TIAA-CREF

Per many discussions here (the threads are easy to find), TIAA has its advantages and disadvantages. Some of us keep a portion of our retirement money with them for two reasons: TIAA Traditional and TIAA Real Estate. These are holdings that are hard to duplicate within other fund companies. You may ...
by cinghiale
Sat Aug 27, 2016 8:37 am
Forum: Investing - Theory, News & General
Topic: "Total Treasury" Fund
Replies: 6
Views: 1199

Re: "Total Treasury" Fund

Would these fit the bill? Vanguard Short Term Treasury Fund (VFISX) Vanguard Intermediate Term Treasury Fund. (VFITX) Vanguard Long Term Treasury Fund (VUSTX) Are you looking for an all-in-one fund that covers the range of maturities and duration? I suspect the intermediate term fund would function ...
by cinghiale
Mon Aug 15, 2016 2:07 am
Forum: Personal Finance (Not Investing)
Topic: Wealth Management (Career Change)
Replies: 105
Views: 8283

Re: Wealth Management (Career Change)

I just chanced upon this thread and have read it start to finish. Despite a number of replies with very clear warning signs (harsh realities, cogently stated), it is clear that the OP plans to join one of the big houses and pursue the dream of "helping people." I'm not trying to scuttle th...
by cinghiale
Sat Aug 13, 2016 2:45 am
Forum: Investing - Theory, News & General
Topic: How Fama, Shiller, Taleb, Kahneman, Thaler ... compare?
Replies: 52
Views: 4219

Re: How Fama, Shiller, Taleb, Kahneman, Thaler ... compare?

grok87 just mentioned Sunstein and Thaler's Nudge . A couple of posters have proposed books that would serve as a "where to start." I would suggest that Chapter 2 of Nudge provides an excellent primer on cognitive biases. It is written by Thaler. He references Kahneman and Tversky quite a...
by cinghiale
Wed Aug 10, 2016 6:35 am
Forum: Investing - Theory, News & General
Topic: Bogle & Buffett on International Investing
Replies: 102
Views: 8870

Re: Bogle & Buffett on International Investing

The following thread on international investing initiated by Taylor Larimore titled "How much international stock? A suggestion." should provide some good context for you and help with your decision making: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=196956&newpost=3007864
by cinghiale
Wed Aug 10, 2016 3:58 am
Forum: Investing - Help with Personal Investments
Topic: More Noise For The Faint Hearted!
Replies: 15
Views: 2083

Re: More Noise For The Faint Hearted!

rattelnap's link is for Mebane Faber, not Marc Faber. Similar names, but they're not the same guy.

On Marc Faber's track record: He has accurately predicted 14 of the last 3 market downturns. :sharebeer
by cinghiale
Thu Aug 04, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: Florence, Italy Hotel?
Replies: 18
Views: 902

Re: Florence, Italy Hotel?

Check out the Hotel Duomo as you look over your options. We stayed there years ago and had a splendid time. They have an excellent buffet breakfast (or at least they did 8-9 years ago) as they cater to German tourists. The hotel is right along side the Duomo, so you look directly across onto the mar...
by cinghiale
Fri Jul 22, 2016 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Help With Ranking the Risk/Safety of Investments
Replies: 1
Views: 210

Help With Ranking the Risk/Safety of Investments

I am currently reviewing my investments and wanted to rank order them from lowest to highest risk. Here's my first cut, ranked from lowest risk at the top to highest risk at the bottom. The list includes both assets currently held and a few I am considering either adding or switching into. I think t...
by cinghiale
Fri Jul 15, 2016 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Strictly Dividend Growth Investing in 457b
Replies: 5
Views: 382

Re: Strictly Dividend Growth Investing in 457b

OP, You mention "put(ting) 100% of a portfolio in SCHD." That leaves room for interpretation. I assume you mean 100% of your 457b plan. But is that your one and only savings vehicle? Do you have an IRA, a 401 plan, a taxable savings account? If so, what percentage of your overall portfolio...
by cinghiale
Fri Jul 15, 2016 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Dividend ETF
Replies: 10
Views: 980

Re: Vanguard Dividend ETF

It's not an ETF, but I continue to hold Wellesley Income. Its 38% or so stock allocation might as well be a dividend fund. I have no plans to add to it, draw from it, or sell it in the foreseeable future.
by cinghiale
Thu Jul 07, 2016 7:50 am
Forum: Investing - Theory, News & General
Topic: Fixed 60/40 AA in retirement
Replies: 105
Views: 9513

Re: Fixed 60/40 AA in retirement

letsgobobby wrote: This is nonsense. The vast majority of Americans will not have 25x in total assets, and even most Bogleheads will not have 25x in safe assets. Net of inflation and taxes the number with 25x in safe assets is infinitesimal. Anyway, what's the instrument to achieve that? The only s...
by cinghiale
Thu Jul 07, 2016 5:51 am
Forum: Investing - Theory, News & General
Topic: "The Thirteen Word Retirement Plan"
Replies: 21
Views: 3645

Re: "The Thirteen Word Retirement Plan"

Many thanks, Taylor !! Just downloaded it for free, and am sharing the link with a few others. Hmmmm... the thirteen words... I was hoping for something profound like Michael Pollan's dietary advice (in a more compact seven words): "Eat food. Mostly plants. Not too much." But, as others ha...
by cinghiale
Tue Jul 05, 2016 11:31 am
Forum: Investing - Theory, News & General
Topic: Fixed 60/40 AA in retirement
Replies: 105
Views: 9513

Re: Fixed 60/40 AA in retirement

A few posts unthread, Rob54keep mentioned the blog posting by Rick Ferri where he advocates a 30-70 allocation in retirement. I thought the following paragraphs to be quite germane to this discussion: Retirees and those almost retired shouldn’t care what their highest level of risk tolerance is beca...
by cinghiale
Tue Jul 05, 2016 8:08 am
Forum: Investing - Theory, News & General
Topic: Fixed 60/40 AA in retirement
Replies: 105
Views: 9513

Re: Fixed 60/40 AA in retirement

johnny wrote: But do you NEED to take that risk? As it happens, my pension (tho not particularly generous) is indeed inflation-adjusted and pretty much meets my needs. I've posed the question before on this forum as to what my asset allocation should be. A few folks have said I should load up on eq...
by cinghiale
Tue Jul 05, 2016 7:34 am
Forum: Personal Consumer Issues
Topic: Anyone else make things for their own use?
Replies: 42
Views: 3722

Re: Anyone else make things for their own use?

As blueblock mentioned, this may be expanding the definition of "making" just a wee bit, but I am sprouting seeds and growing micro greens as the first new project of my retirement. Love doing it, there are a variety of seeds and legumes to experiment with, and it provides an immediate and...
by cinghiale
Fri Jul 01, 2016 12:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Abuss368 has 10,000 posts!!
Replies: 29
Views: 1921

Re: Abuss368 has 10,000 posts!!

Hey, man, congratulations.

(Please reciprocate when I hit 1000.)
by cinghiale
Fri Jul 01, 2016 12:39 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (June 2016)
Replies: 14
Views: 1187

Re: madsinger monthly report (June 2016)

Thanks once again, Brad. Always grateful to see where Wellesley Income sits in relation to other popular benchmarks, models, and formulae.
by cinghiale
Wed Jun 29, 2016 6:26 am
Forum: Investing - Theory, News & General
Topic: Bogle's Actual Approach
Replies: 9
Views: 1136

Re: Bogle's Actual Approach

I have a good friend who's a church pastor. He belongs to a denomination whose tenets include the following: Be clear on "absolutes," "convictions," and "preferences," and don't mistake one for another. One gets into trouble when promoting and inflating one's preference...
by cinghiale
Wed Jun 29, 2016 5:48 am
Forum: Investing - Theory, News & General
Topic: Bogle's Actual Approach
Replies: 9
Views: 1136

Re: Bogle's Actual Approach

I think we can agree that your list may be described as the Bogle Approach for Mr. Bogle.

I see nowhere in his writings, interviews, or speeches where there's a one-size-fits-all "approach."

Many roads lead to Dublin...
by cinghiale
Thu Jun 23, 2016 8:48 am
Forum: Personal Consumer Issues
Topic: Your favorite country to possibly retire to?
Replies: 88
Views: 6908

Re: Your favorite country to possibly retire to?

Watty wrote: There are lots of places that could be great for a few years when you are in your 60s and active and in relatively good health. By the time you are in your 70's or 80's those places might seem a lot less fun and be a lot more difficult to live in. This is an important point. I'm retire...
by cinghiale
Thu Jun 23, 2016 4:56 am
Forum: Personal Consumer Issues
Topic: Your favorite country to possibly retire to?
Replies: 88
Views: 6908

Re: Your favorite country to possibly retire to?

I hope it's not too gauche to quote one's own past posting, but I wrote this on a similar thread a short while ago: "We are now where a few decades of travel and careful retirement planning led to: Mediterranean Europe. Low cost of living, with abundant seafood, fruit, produce, wine, and olive ...
by cinghiale
Mon Jun 20, 2016 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Cref expenses, which fund to use?
Replies: 18
Views: 1409

Re: TIAA Cref expenses, which fund to use?

This may be straying a bit from your question, but is TIAA Traditional offered in your plan? Might you use that as a fixed income choice and balance it out with increased equity holdings in other accounts? It's just that TIAA Real Estate and TIAA Traditional are hard to replicate elsewhere. They pro...
by cinghiale
Sun Jun 19, 2016 8:55 am
Forum: Investing - Theory, News & General
Topic: I knew there was a reason I invest in Wellesley
Replies: 15
Views: 3605

Re: I knew there was a reason I invest in Wellesley

Years ago, someone posted a quote about Wellesley that read something like, "During your working years, pay Wellington 10% of your income each month, and when you retire, let Wellesley pay you each month." That's a pretty mangled version of the quote. But I've always remembered the gist, a...
by cinghiale
Sun Jun 12, 2016 1:52 pm
Forum: Investing - Theory, News & General
Topic: Developing conviction to stick with a long-term investment plan
Replies: 14
Views: 1562

Re: Developing conviction to stick with a long-term investment plan

Maybe we should combine what Watty and livesoft suggested-- to wit: a public declaration, a "publishing" of our failed attempts at investing in the next great stock, sector, country, fund manager, commodity, or timing system. Think of it as something like Overreachers Anonymous. "Hi, ...
by cinghiale
Wed Jun 08, 2016 6:31 am
Forum: Personal Consumer Issues
Topic: Book suggestion, please- Grieving Process - Loss of a loved one
Replies: 22
Views: 1831

Re: Book suggestion, please- Grieving Process - Loss of a loved one

Consider Necessary Losses by Judith Viorst. https://www.amazon.com/Necessary-Losses-Dependencies-Impossible-Expectations/dp/0684844958/ref=sr_1_1?s=books&ie=UTF8&qid=1465385121&sr=1-1&keywords=necessary+losses This book covers all areas of loss during life: loss of a love, loss of on...
by cinghiale
Tue Jun 07, 2016 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: The Goldilocks Theory of Being Rich
Replies: 31
Views: 4188

Re: The Goldilocks Theory of Being Rich

The key to amassing wealth is obtaining freedom. Wealth can enable one to be free to keep working, be a benefactor, travel the world, doing everything, or do nothing. If someone is super rich but not free, it's hard to imagine someone ultimately being happy or fulfilled. The Nassim Taleb quote was s...
by cinghiale
Fri Jun 03, 2016 12:42 pm
Forum: Investing - Theory, News & General
Topic: Thank you Taylor Larimore
Replies: 51
Views: 7906

Re: Thank you Taylor Larimore

This isn't an original Taylor quote, but he has done more than anyone else to keep it front and center in the minds of those on the forum: It is difficult to get a man to understand something, when his salary depends on his not understanding it.” --Upton Sinclair In age of increasingly aggressive an...
by cinghiale
Mon May 23, 2016 6:10 pm
Forum: Investing - Theory, News & General
Topic: "A Wealth of Common Sense" -- A Gem
Replies: 8
Views: 2186

Re: "A Wealth of Common Sense" -- A Gem

So many great reminders! Here's one that was particularly telling: The classic three-fund portfolio from Vanguard consist of some combination of the Total U.S Stock Market Index Fund, the Total International Stock Market Index Fund and the Total U.S. Bond Market index Fund. -- Rick Ferri and Alex Be...
by cinghiale
Thu May 19, 2016 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Special Considerations for High Net Worth? Advisor?
Replies: 40
Views: 2816

Re: Special Considerations for High Net Worth? Advisor?

One profound insight offered by John Bogle is that economics in general and investments in particular are special and unique areas in that you cannot become an expert with time spent and the subject deeply studied. In most any other endeavor (here think of being a surgeon, car mechanic, tennis playe...
by cinghiale
Mon Apr 25, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 43
Views: 4641

Re: Pros/Cons of Condo Living?

Here's something that seldom gets mentioned: Try to find out who your neighbors will be. If you have time, attend a condo owners' meeting. (Not always easy as some only meet once a year.). Try to visit the condo building at a time when you can bump into people. Introduce yourself. Mention that you m...
by cinghiale
Wed Apr 13, 2016 11:33 am
Forum: Personal Finance (Not Investing)
Topic: How do you find more satisfaction while living below your means?
Replies: 52
Views: 5044

Re: How do you find more satisfaction while living below your means?

Lots of good "frame of mind" perspectives here. Since Taylor was kind enough to send out his "gems" from one of Jack Bogle's works and a number of posters have cited good and inspiring books, let me add one that has a profound effect on LBYM: Alain de Botton's Status Anxiety . Th...
by cinghiale
Wed Apr 13, 2016 11:06 am
Forum: Personal Consumer Issues
Topic: One finance/investing book you heard great things but wasn't your cup of tea.
Replies: 29
Views: 2786

Re: One finance/investing book you heard great things but wasn't your cup of tea.

This may be minor heresy for many members of the forum, but I just couldn't get into Reinhart and Rogoff's This Time Is Different . I was intrigued by the subject matter and impressed by all the awards the book won. But, Lordy, the book was such drudgery. As with many academic works, the author or a...
by cinghiale
Wed Apr 13, 2016 4:30 am
Forum: Personal Finance (Not Investing)
Topic: How do you find more satisfaction while living below your means?
Replies: 52
Views: 5044

Re: How do you find more satisfaction while living below your means?

Over the years we found satisfaction via a "pound wise, penny foolish" strategy. We would reward ourselves with lunches out (often with Groupon or Restaurant.com coupons), but avoid dinners ar restaurants. We would haunt the thrift stores while avoiding the malls. We love a good glass of v...
by cinghiale
Tue Apr 12, 2016 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Friend is an Edward Jones financial advisor -- should I drop him?
Replies: 76
Views: 10480

Re: Friend is an Edward Jones financial advisor -- should I drop him?

I'm relatively late to the party with this thread, but wanted to give it a bump. I spent last night in rapt horror and fascination reading "The Edward Jones Saga" originally posted by RadAudit on February 2 and commented upon in many subsequent replies. I was reminded of the some of the di...
by cinghiale
Mon Apr 11, 2016 5:01 am
Forum: Personal Finance (Not Investing)
Topic: any suggestion for a good book on early retirement?
Replies: 6
Views: 1130

Re: any suggestion for a good book on early retirement?

I would include one of the first and best works on early retirement and financial independence, Your Money or Your Life , by the late Joe Dominguez and Vicki Robin. It's now almost 25 years old (originally published in 1992), but quite a few of the works that followed drew from this one. The actual ...
by cinghiale
Sat Apr 09, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: I'm willing to pay them whatever they want!
Replies: 66
Views: 8323

Re: I'm willing to pay them whatever they want!

Lots of agreement with many of the items mentioned so far. Taking literally the "whatever they want" part, though, one thing stands out for me: Dental work. I got caught in a developing country in the summer of 2013 when a huge filling came out of a back molar. I was concerned that the ent...

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