Search found 1094 matches

by cinghiale
Mon Apr 23, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 85
Views: 9058

Re: New retirees: so whatdayathink ?

md&pharmacist wrote, I can retire tomorrow at age 45 but have no desire to do so. I know that when I do retire, that will include more volunteer work. I currently volunteer at a free clinic one day a month and it feels the most rewarding to me. I also mind the example I set for my children if I ret...
by cinghiale
Sun Apr 22, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 85
Views: 9058

Re: New retirees: so whatdayathink ?

Now almost 2.5 years out from under the job. All has been good. I find some way to give thanks every day for the personal freedom that comes with retirement. The biggest surprise? It is tied to freedom: I’ve been surprised how fiercely I value negative freedom ; that is, the freedom not to do things...
by cinghiale
Thu Apr 19, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Perks of Owning Certain Individual Stocks
Replies: 28
Views: 3126

Re: Perks of Owning Certain Individual Stocks

02nz wrote, One thing to offer perks for shareholders, but if they're actually enticing cruise passengers to buy their stock with beverage credits, that seems like a cheap trick by management to increase their own compensation, which is almost certainly tied to stock price. Apologies here. In the i...
by cinghiale
Wed Apr 18, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Perks of Owning Certain Individual Stocks
Replies: 28
Views: 3126

Perks of Owning Certain Individual Stocks

Hello, All. Recently I booked a 21 day cruise with Norwegian Cruise Lines. A few years ago we booked a shorter cruise, and somewhere in the process we were encouraged to buy 100 shares of Norwegian Cruise Lines Holdings (ticker: NCLH). That minimum share holding entitled us to $100.00 of shipboard c...
by cinghiale
Sun Apr 15, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: GUNR , your thoughts and opionions please [FlexShares Morningstar® Global Upstream Natural Resources]
Replies: 2
Views: 114

Re: GUNR , your thoughts and opionions please [FlexShares Morningstar® Global Upstream Natural Resources]

Well, here’s what you would be getting. Expense ratio for the fund appears to be .46%. Top 10 Holdings (36.41% of Total Assets)Get Quotes for Top Holdings Name Symbol % Assets Exxon Mobil Corp XOM 5.07% Monsanto Co MON 4.79% Chevron Corp CVX 3.96% BHP Billiton Ltd BHP.AX 3.93% Nutrien Ltd NTR.TO 3.6...
by cinghiale
Sat Apr 07, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4071

Re: Is it very hard to learn Spanish?

OP,
How old are you? (Serious question here.). And just how much within an average day are you obligated to think and speak in English?
by cinghiale
Sat Apr 07, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Current Thinking About TIAA Real Estate?
Replies: 18
Views: 1068

Re: Current Thinking About TIAA Real Estate?

beardsworth wrote, cinghiale, suggest you look at Morningstar's TIAA discussion forum, where not a week passes (and, it seems, sometimes not a day) without a discussion of this vehicle. Just look down the current previous thread title pages for TREA (TIAA Real Estate Account) and other discussions ...
by cinghiale
Sat Apr 07, 2018 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Current Thinking About TIAA Real Estate?
Replies: 18
Views: 1068

Current Thinking About TIAA Real Estate?

Do those who hold TIAA Real Estate (Ticker: QREARX) or who watch it have any thoughts about its performance vis-a-vis most other REIT funds over the past few years? I just reviewed a lengthy discussion from 2013 (See at https://www.bogleheads.org/forum/viewtopic.php?p=1897019#p1897019 ) and was stru...
by cinghiale
Mon Mar 12, 2018 2:24 am
Forum: Personal Consumer Issues
Topic: structured vs. unstructured time in retirement
Replies: 18
Views: 2217

Re: structured vs. unstructured time in retirement

Good topic. Good, thoughtful responses. Thanks to all thus far. Most retirement discussions include two important points of wisdom/common sense: Everyone does it differently, and there will be varied seasons in retirement. For the former, it’s a matter of “know thyself.” For the latter, it helps be ...
by cinghiale
Sun Mar 11, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: PedalPub investment
Replies: 22
Views: 2066

Re: PedalPub investment

stemikger nailed it: liability.

Here’s a classic Monty Python and the Holy Grail line worth considering: “Run Away, Run Away...”
by cinghiale
Sun Mar 11, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Something weird this day came
Replies: 22
Views: 2724

Re: Something weird this day came

Yooper wrote: Hints of the "Red-Headed League".......... And an_asker replied, I thought this sounded like the beginning of a Sherlock Holmes mystery as well!! But wait... there’s more. Look at Spirit Rider’s thread title. Let this affair end up more A. Conan Doyle and less Ray Bradbury... or Macbe...
by cinghiale
Sat Mar 10, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Dumped My Advisor, Now What?
Replies: 77
Views: 5186

Re: Dumped My Advisor, Now What?

Am I the only one getting the “chasing the rabbit around the field” sense of this thread? I still don’t think the OP understands the difference between the 3-fund portfolio— (total US stock, total international stock, total US bond, which allows full participation in almost 10,000 publicly traded co...
by cinghiale
Sat Mar 10, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Auto Issue Out now
Replies: 48
Views: 4762

Re: Consumer Reports Auto Issue Out now

What kind of evaluations is the Toyota RAV4 getting?

(Just allowing the Jeep owners to take a quick breather...)
by cinghiale
Mon Feb 26, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: In Praise of Classic Works on Kindle
Replies: 20
Views: 1498

Re: In Praise of Classic Works on Kindle

A quick aside... Dan Ariely and Daniel Kahneman, among others, would have some fun with the thread this far. If the topic concerned a question or comment about a book or product priced at $27.95 instead of $28.95, it would likely attract little interest and would likely go unanswered. A one dollar d...
by cinghiale
Mon Feb 26, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: In Praise of Classic Works on Kindle
Replies: 20
Views: 1498

Re: In Praise of Classic Works on Kindle

Pajamas wrote, There are actually a LOT of free books for Kindle, you just have to know how to look for them. Use the left-hand menu to navigate by category. https://www.amazon.com/Best-Sellers-Kin ... =UTF8&tf=1 One caution: Books can go from being free to pay but still appear on the free list for...
by cinghiale
Mon Feb 26, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: In Praise of Classic Works on Kindle
Replies: 20
Views: 1498

Re: In Praise of Classic Works on Kindle

Good point.

But I like highlighting and making notations. Kindle allows that. And, for a mere 99 cents (well... OK... $1.06 with state taxes), the work remains “on my shelf” and always available. A mighty small price to pay.
by cinghiale
Mon Feb 26, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Thanks Bogleheads
Replies: 6
Views: 996

Re: Thanks Bogleheads

This is excellent, John. Short, clear, concise, doable. A just-right roadmap for “Staying the Course.” If temptation whispers market-beating, brag-to-your-brother-in-law, in-on-the-next-big-thing! sweet nothings in your ear, look up Taylor Larimore’s gems— his “best of” quotes from dozens of investi...
by cinghiale
Mon Feb 26, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: In Praise of Classic Works on Kindle
Replies: 20
Views: 1498

In Praise of Classic Works on Kindle

Hello, All. There have been quite a few posts over the years about frugality, and what members are currently reading, and where to find bargains, and living the good life, and of the kinds of enlightenment and wisdom that can be found along the way. Here’s something that combines all of the above: C...
by cinghiale
Mon Feb 26, 2018 11:45 am
Forum: Local Chapters and Bogleheads Community
Topic: Nisiprius at 35,000 posts
Replies: 60
Views: 4835

Re: Nisiprius at 35,000 posts

The Wizard wants to take you out to lunch.

If you both go to the Causeway, can I come too?
by cinghiale
Sun Feb 25, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Goldman Sachs says...
Replies: 13
Views: 1922

Re: Goldman Sachs says...

Subtext:

“You, Mr. and Ms. Investor, need the expertise of Goldman Sachs to guide you through what could be some perilous periods in the stock market. Entrust us with your savings, because this isn’t something you can or should try to do on your own.”
by cinghiale
Sun Feb 25, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Dislikes Bonds
Replies: 57
Views: 6770

Re: Warren Buffet Dislikes Bonds

At the risk of heaping it on... Warren Buffett is a stock guy. His comments include an important qualifier: Bonds may not be a a good choice for a long term investor. Note: “There is simply no telling how far stocks can fall in a short period,” Buffett said. “As an investor’s investment horizon leng...
by cinghiale
Sun Feb 25, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Motley Fool and next big iPhone technology
Replies: 11
Views: 997

Re: Motley Fool and next big iPhone technology

After a whopping four minutes of investigation... Check out this entry on Stock Gumshoe: https://www.stockgumshoe.com/reviews/motley-fool-rule-breakers/fools-what-every-apple-investor-must-see-before-2018-pitch/ The highlights: So what’s the stock? Thinkolator sez we’re again being teased with Unive...
by cinghiale
Sun Feb 25, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Motley Fool and next big iPhone technology
Replies: 11
Views: 997

Re: Motley Fool and next big iPhone technology

Take a look at Travis Johnson’s always entertaining Stock Gumshoe. https://www.stockgumshoe.com/ He examines the teaser ads from the newsletter and stock advisory services, and has an impressive track record of identifying the “next greatest... whatever” recommendation. He get’s quite a few Motley F...
by cinghiale
Thu Feb 22, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 113
Views: 11376

Re: Florida in the summer

I do not remember this thread from 2015. Thanks for bringing it back to everyone’s attention. Good input on lifestyle choices, adaptation to heat and cold, and some (bonus) intriguing viewpoints on the kinds of cognitive biases that may seep into conversations such as these. I had four years in Nort...
by cinghiale
Sun Feb 18, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Indexing"
Replies: 19
Views: 6852

Re: What Experts Say About "Indexing"

BogleMelon asked, Is there a typo here? 2016 is only 2 years ago! Yes, of course there is. I think the Index 500 fund debuted in 1976. That would sound right for the “forty years later” language at the end of the quote. That said, thanks for reviving this thread. It never hurts to read key quotes f...
by cinghiale
Sat Feb 10, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Income performance
Replies: 16
Views: 2273

Re: Wellesley Income performance

We’re really having a discussion about six weeks of performance? And we’re drawing meaningful conclusions from the data?

Really?

Kahneman and Tversky’s “Law of Small Numbers” is obviously alive and well.
by cinghiale
Fri Feb 02, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: Motley Fool ETF Debuts (TMFC)
Replies: 11
Views: 1762

Re: Motley Fool ETF Debuts (TMFC)

Note the word “index” in the title of the ETF.

They have obviously done their homework on how to best market this new offering.

This isn’t an index.
But index funds are hauling in impressive and increasing percentages of new money with each new month.
“Hey, let’s call it an index...”
by cinghiale
Thu Jan 25, 2018 2:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4376

Re: Happy Birthday, Taylor!

Seconded!

I want to be where you are when (yes, when!) I’m in my tenth decade of life.

Immense thanks for your profound influence on the lives of thousands who frequent and participate in this forum.
by cinghiale
Thu Jan 25, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat the urge to spend?
Replies: 68
Views: 3847

Re: Strategies to combat the urge to spend?

I would advise you to read the classic Your Money or Your Life by Vicki Robin and the late Joe Dominguez. Skip the later chapter or two on investments. Focus on the core principles, such as “Money is something we choose to trade our life energy for.” Let that sink in. If you opt for the book, get th...
by cinghiale
Tue Jan 23, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Happiness literature recommendations
Replies: 6
Views: 829

Re: Financial Happiness literature recommendations

I’m not sure what you mean by “Financial Happiness.” There are important and worthwhile books out there on happiness, and then there are other important and worthwhile books on human behavior and finances. In the former category, Daniel Gilbert’s Stumbling on Happiness is outstanding. (There’s also ...
by cinghiale
Tue Jan 23, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: Anyone Pulled the Trigger on Global Wellington/Wellesley?
Replies: 16
Views: 3786

Re: Anyone Pulled the Trigger on Global Wellington/Wellesley?

This thread has turned out to be a total yawner. Admittedly, folks here are not a typical or representative lot. But would both Global Wellington and Global Wellesley be dying of (funding) starvation if they were dependent on the participation of Bogleheads? Anyone interested but not “in” yet? Waiti...
by cinghiale
Tue Jan 23, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard’s Principles
Replies: 2
Views: 313

Re: Vanguard’s Principles

JackFFR1846 wrote, Something that could help, I think: Transparency: Although not legally required, disclose the compensation of all Vanguard directors and executives. I would think that Vanguard’s expense ratios provide an acceptable surrogate for some grand effort at transparency. The total bond ...
by cinghiale
Tue Jan 23, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 58
Views: 6303

Re: Expat Living

Replies are going to be region specific. For Western Europe: Pros: — Food, culture, climate. (At least where I am.) — More equitable social systems. — An easy flight back to the US for visits and emergencies. — At present (though rapidly changing, and not for the good), an attractive currency exchan...
by cinghiale
Tue Jan 23, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 61
Views: 5269

Re: Which tropical Island to Retire to ?

Valuethinker wrote: By American standards, I find the Mediterranean coasts overdeveloped. Suburbs-by-the-sea. France & Spain the worst. Italy. Greece is better, perhaps Yugoslavia. Beware the issue of refugees landing, and of future conflicts (Greece Turkey, mostly). Portugal better still, but that...
by cinghiale
Tue Jan 23, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: Nassim Taleb on Bitcoin
Replies: 21
Views: 3505

Re: Nassim Taleb on Bitcoin

Not much opinion here. Unusually low-key for Taleb.
by cinghiale
Tue Jan 23, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 61
Views: 5269

Re: Which tropical Island to Retire to ?

Do peninsulas count? Picking up on what RadAudit wrote, I would look at Iberia: Portugal and Spain. European infrastructure, amenities, and health care. The climate of the French Riviera, with an abundance of blue flag beaches (clean water, well maintained). Abundant fresh produce and fruit. Mediter...
by cinghiale
Sun Jan 21, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 5792

Re: Laughter is the Best Medicine - What makes you Laugh?

I was scrolling down this thread and realized that Fawlty Towers hadn’t been mentioned, and that such an oversight had to be remedied. But then came Dottie57 to the rescue, and bertilak right behind her. “The Germans” was splendid. But, pride of place belongs to “Communication Problems,” with the in...
by cinghiale
Sun Jan 21, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: Anyone Pulled the Trigger on Global Wellington/Wellesley?
Replies: 16
Views: 3786

Anyone Pulled the Trigger on Global Wellington/Wellesley?

I was doing some New Year’s tidying of my portfolio this weekend, and decided to place some funds (5% of the total portfolio) into the new Global Wellington fund (VGWAX). I’ve seen little mentioned about either Global Wellington or Global Wellesley here on the forum since some initial questions were...
by cinghiale
Tue Jan 16, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: The Free market Takes care of itself. EJ loses
Replies: 14
Views: 1582

Re: The Free market Takes care of itself. EJ loses

Explaining the Edward Jones success story requires the lens of psychology and sociology. If you look at numbers and percentages, it appears to be a straw man. But that really would not be a satisfying answer. We all respond positively to good customer care. We like going (back) to restaurants where ...
by cinghiale
Wed Jan 10, 2018 3:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 258
Views: 24594

Re: Post your Financial Milestone Announcements Here

Snowjob asked: Did you purchase an annuity to help with this transition, it may not make as much financial sense but sometimes I wonder if behavior wise its worth it... Yes, a small one that pays around $1750.00 per month for ten years. It will take me to 70.5 years old, almost to the month. The ne...
by cinghiale
Wed Jan 10, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?
Replies: 48
Views: 6625

Re: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?

This might help. If the OP wants to help his/her parents, a single graphic might do the work of many paragraphs of text. “The Cumulative Lag Caused By 2.5% Costs in an 8% Market” https://www.vanguard.com/bogle_site/images/sp20050210_8.gif From the text of John C. Bogle’s speech entitled “The Relentl...
by cinghiale
Wed Jan 10, 2018 3:32 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 258
Views: 24594

Re: Post your Financial Milestone Announcements Here

A milestone of sorts... Now two full years into retirement, and have had the good fortune of strong market tailwinds since then. Stepping out of the accumulation phase, with the comfort and security of a monthly paycheck, and into the distribution phase, with the shuddering realization that the seed...
by cinghiale
Fri Jan 05, 2018 3:52 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 149
Views: 7446

Re: Misuse of adverse

(Warren) Buffett spelled with only one “t” so that he sounds like a food court?

Principle when one means principal?

Disinterested (objective, unbiased) when one means uninterested (doesn’t give a rip)?


There... I feel better now.
by cinghiale
Tue Jan 02, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Ever drink Chartreuse?
Replies: 16
Views: 1592

Re: Ever drink Chartreuse?

True story from about ten years ago: We were traveling with a leased car through Westerm Europe. In France, we stopped by a supermarket to pick up some necessities. While looking over the wine and spirits section, we chanced upon the green Chatreuse (in the fill-sized bottle) for about 7 Euros. No, ...
by cinghiale
Sun Dec 31, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: What do you consider wealthy?
Replies: 28
Views: 2703

Re: What do you consider wealthy?

livesoft wrote,
You are wealthy if your EFC after filling out the FAFSA is $99,999.
Referees warning for use of indecipherable acronyms. The yellow card will come out next, and you may not be able to play in the next thread. :twisted:
by cinghiale
Sat Dec 30, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Case Against Individual Stock Picking
Replies: 22
Views: 2052

Re: Case Against Individual Stock Picking

livesoft wrote, Paraphrasing: If you have 2 kinds of traders: Professionals or "information traders" with narrowly or exclusively available information and everybody else with widely available information. Basically information traders won't trade unless they have the extra info. If they trade with...
by cinghiale
Sat Dec 30, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: So, how was the year ? Gains made and Lessons learnt ?
Replies: 76
Views: 7419

Re: So, how was the year ? Gains made and Lessons learnt ?

Jazztonight’s post came in while I was tapping away...^^^^^ Condolences on the passing of your Dad. No matter how old, and no matter what the circumstances, the loss of a parent hits hard. May 2018 be kind to you with fond memories. I hope your sister remembers your “genius” when there’s a market d...
by cinghiale
Sat Dec 30, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: So, how was the year ? Gains made and Lessons learnt ?
Replies: 76
Views: 7419

Re: So, how was the year ? Gains made and Lessons learnt ?

I learned that it is very good fortune indeed to retire into two good market years. Expenses were high again this year, as our version of retirement included relocation and other transitional costs. Total portfolio this year was up 11%. Net portfolio appreciation, accounting for spending, was 8%. Th...
by cinghiale
Fri Dec 29, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Stoics View on Debt
Replies: 33
Views: 3419

Re: Stoics View on Debt

Thanks, timmy , for the link to the Daily Stoic. For those who want to do some further reading on Stoic thought, here’s a lovely deal from Amazon: The Stoic 6 Pack, including the Meditations of Marcus Aurelius. Cost? All of 99 cents. (Well, there may be some sales tax added.). See at: https://www.am...