Search found 874 matches

by cinghiale
Mon Apr 25, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 43
Views: 3949

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: 4170

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: 2336

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: 4170

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: 9783

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: 1019

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: 7389

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...
by cinghiale
Thu Apr 07, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: If you could retire anywhere, regardless of healthcare, etc.
Replies: 118
Views: 10397

Re: If you could retire anywhere, regardless of healthcare, etc.

Not a whole lot of Europe in the responses thus far. Interesting. 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 oil. Lots of free or low-cost live music. Exquisite clim...
by cinghiale
Thu Apr 07, 2016 1:21 am
Forum: Investing - Theory, News & General
Topic: Easy "alpha" in your portfolio
Replies: 33
Views: 3263

Re: Easy "alpha" in your portfolio

No. Just coincidence. I would have a very hard time trying to come with some reason why I picked this username.
by cinghiale
Wed Apr 06, 2016 3:56 am
Forum: Investing - Theory, News & General
Topic: Easy "alpha" in your portfolio
Replies: 33
Views: 3263

Re: Easy "alpha" in your portfolio

livesoft wrote: Avoid paying extra for so-called "organic" food. This is a sidebar to the thread, but I would add two qualifiers to this one. First, if the intent is to avoid mis-labeled or mischaracterized "organic" food, then fine. That requires some online homework, to determ...
by cinghiale
Mon Apr 04, 2016 11:51 am
Forum: Investing - Theory, News & General
Topic: Why own (non-index) mutual funds at all?
Replies: 43
Views: 3644

Re: Why own (non-index) mutual funds at all?

I own Wellesley Income Admiral shares (Expense Ratio: 0.16%), and it is the cornerstone of our retirement accounts. Hmmm... why? I suppose my reasons for liking it and holding it combine the following: An impressive long-term track record, and management that has chosen good dividend stocks and appr...
by cinghiale
Tue Mar 29, 2016 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: retiring overseas?
Replies: 14
Views: 1319

Re: retiring overseas?

ResearchMed asked: How do you handle health care? Do you have coverage from your US-based days or are you eligible for health care (without paying $$$$$) where you now live. If the latter, how did you arrange that? And if you needed to show sources/amounts of income for something other than tempora...
by cinghiale
Tue Mar 29, 2016 4:44 am
Forum: Personal Finance (Not Investing)
Topic: retiring overseas?
Replies: 14
Views: 1319

Re: retiring overseas?

If you are serious about this possibility, you will want to do your homework. A very good place to start is a recent thread on the forum, "Cities Good for Living Abroad," initiated by Leeraar . There's a wealth of good opinion (including my own!) :wink: in that discussion. A few points to ...
by cinghiale
Mon Mar 14, 2016 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do most of you plan to retire "full-time"?
Replies: 126
Views: 10697

Re: Do most of you plan to retire "full-time"?

Another INTJ here (tested consistently over the past 30+ years) and another "yes, agree completely" on the observation of greatly enjoying my own blend of solitude and social interaction in retirement. Love the freedom that comes with each new day, and love the option of either engaging in...
by cinghiale
Mon Mar 07, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Cities good for living abroad?
Replies: 98
Views: 6980

Re: Cities good for living abroad?

This has been a great thread to read, and I have a few "fine tuning" questions for the OP: 1) Does city size matter? Some of the cities mentioned are small and walkable. Others are immense. Really and truly: size matters. If you have only nine months, you will want to settle in fast and be...
by cinghiale
Mon Mar 07, 2016 4:22 am
Forum: Personal Consumer Issues
Topic: Instant pot pressure cooker
Replies: 19
Views: 1923

Re: Instant pot

Mrxyz , You may want to edit your inquiry to let readers know you are referring to a "programmable pressure cooker." I had to google the term to know what you were talking about. My first thought was that this was a new product, inspired by recent commercial and legal developments in Colo...
by cinghiale
Fri Mar 04, 2016 10:43 am
Forum: Investing - Theory, News & General
Topic: Where Do You Place TIAA Traditional and Real Estate?
Replies: 5
Views: 511

Re: Where Do You Place TIAA Traditional and Real Estate?

Thank you for the replies thus far.

livesoft, there's an abundance of information in the thread you referenced. Thanks for sending the link.
by cinghiale
Fri Mar 04, 2016 5:43 am
Forum: Investing - Theory, News & General
Topic: Where Do You Place TIAA Traditional and Real Estate?
Replies: 5
Views: 511

Where Do You Place TIAA Traditional and Real Estate?

I am currently doing an annual review of my investments. In trying to determine the current allocation of stocks/bonds/cash/other, it occurred to me that I wasn't quite sure where to place two non-Vanguard investments, TIAA Traditional Fund and TIAA Real Estate. (As an aside, both are held in a tax-...
by cinghiale
Wed Mar 02, 2016 3:33 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (February 2016)
Replies: 5
Views: 901

Re: madsinger monthly report (February 2016)

Brad,

Thanks once again for posting these stats. Like investor, I like to see where Wellesley Income, my one concession to active management and the cornerstone of my retirement savings, stands in relation to the other portfolios and funds.

:beer
by cinghiale
Sat Feb 13, 2016 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Optimizing my Vanguard Portfolio (dump Kiplinger funds?)
Replies: 8
Views: 984

Re: Optimizing my Vanguard Portfolio (dump Kiplinger funds?)

A recent thread entitled "What is Your Favorite Financial Quote or Metaphor?" Included this John Bogle gem (courtesy of LateStarter1975 ): "The surest route to top-quartile returns is bottom-quartile expenses" - John Bogle I really don't think there's any hatred per se about Kipl...
by cinghiale
Sat Feb 13, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Cash Management vs Schwab Bank
Replies: 28
Views: 2827

Re: Fidelity Cash Management vs Schwab Bank

In what regard? Which services? We are currently "test driving" international ATM cash withdrawals from from both a Charles Schwab Bank account and a Fidelity MM account and are making side-by-side comparisons. Neither charge a foreign transaction fee and both seem to be reasonable in term...
by cinghiale
Sat Feb 13, 2016 3:22 am
Forum: Investing - Help with Personal Investments
Topic: Thinking About When to Tax Loss Harvest (TLH)
Replies: 14
Views: 1081

Re: Thinking About When to Tax Loss Harvest (TLH)

Thanks, all, for your perspectives and guidance. When someone initiates a thread and poses a very specific and "actionable" question, I always appreciate it when that person reports back in. I TLH'ed on Thursday, and captured a very acceptable loss. The current 2016 tax year is going to be...
by cinghiale
Thu Feb 11, 2016 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking About When to Tax Loss Harvest (TLH)
Replies: 14
Views: 1081

Thinking About When to Tax Loss Harvest (TLH)

I've been watching the current downturn with an eye to doing some tax loss harvesting (TLH). I would be selling one equity fund and buying another (though different enough to not run afoul of the rules). The current fund has been held for a while, so it would be a long-term capital loss. So, what's ...
by cinghiale
Wed Feb 10, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: The Retirement Problem: What Will You Do With All That Time?
Replies: 67
Views: 6520

Re: The Retirement Problem: What Will You Do With All That Time?

I'm not sure everyone needs such a detailed list as Victoria's . But, I do think some planning and some structure is good. I'm not deep enough into retirement to be an expert, but I like the idea of each day containing ample times of freedom and serendipity and some daily commitments (exercise?, soc...
by cinghiale
Fri Jan 29, 2016 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: EJones Advisor wants to talk!
Replies: 84
Views: 6826

Re: EJones Advisor wants to talk!

It is difficult to get a man to understand something, when his salary depends on his not understanding it.”
--Upton Sinclair

I posted this on another thread dealing with favorite quotes. It is worth repeating.

Go with the wisdom of the many here on the forum. Skip the in-person meeting.
by cinghiale
Thu Jan 28, 2016 10:59 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 10578

Re: What is your favorite Financial Quote or Metaphor??

I'm surprised this hasn't made it yet: "It is difficult to get a man to understand something, when his salary depends on his not understanding it.” --Upton Sinclair A good one to keep in mind if you find yourself going toe-to-toe with a stockbroker or "financial advisor" who wants you...
by cinghiale
Sun Jan 03, 2016 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Shares question..
Replies: 5
Views: 540

Re: Mutual Shares question..

Back to the OP's original claim. S/he bought it 26 years ago. That's right around 1990. Franklin Funds bought Mutual Series funds in late 1996 or sometime into 1997. Where's the outperformance since that point ? Mutual Shares might have been a killer fund in the 1960s, 1970s, and 1980s. Max Heine, a...
by cinghiale
Sun Jan 03, 2016 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Shares question..
Replies: 5
Views: 540

Re: Mutual Shares question..

Thanks for the response, Sconie . Obviously, my search did not reach back as far as the Max Heine days. It may have been a stellar performer way-back-then. But it's been 30 years since the mid-1980s. Have you looked at the fund performance vis-a-vis the benchmarks since then? It looks to me like the...
by cinghiale
Sun Jan 03, 2016 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Shares question..
Replies: 5
Views: 540

Re: Mutual Shares question..

I have a question only slightly related to your main one. I'm curious because I was once a holder of the Mutual Shares fund (way back in the Michael Price era), and stuck with it for a long time after it was absorbed by the Franklin Funds group and the original shares were converted to the "Z S...
by cinghiale
Fri Jan 01, 2016 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: First Day of Retirement
Replies: 32
Views: 3556

Re: First Day of Retirement

My official "last day" was December 18th, but I, like burt , am enjoying the first real day of retirement today. Since I was technically an employee through the end of the month, paid employment ended yesterday. I'll add something here I detailed in Victoria's "Roll Call for the Reire...
by cinghiale
Wed Dec 30, 2015 9:12 pm
Forum: Personal Consumer Issues
Topic: Which other 'must-read' websites and blogs do YOU read?
Replies: 42
Views: 6454

Re: Which other 'must-read' websites and blogs do YOU read?

Three absolutely deserve mention. I have mentioned each of these in past threads. All are "knowledge sites," and not tied to finances or investing: www.aldaily.com The one-stop shopping place for literary reviews, intriguing essays, and off-beat pieces. Sponsored by the Chronicle of Higher...
by cinghiale
Wed Dec 30, 2015 2:10 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (November 2015)
Replies: 5
Views: 1304

Re: madsinger monthly report (November 2015)

Brad , Thanks again for compiling this information and for posting it. As a long time Wellesley Income holder, I appreciate seeing how my cornerstone fund fares against lots of other allocation strategies within a menu of active and passive plans. It's an excellent "page at a glance" revi...
by cinghiale
Fri Dec 25, 2015 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: [What will you do differently in] 2016
Replies: 62
Views: 6758

Re: [What will you do differently in] 2016

I'm part of Victoria's Retirement Class of 2015. I'm just one week out from my December 18th retirement day. In fact, the final paycheck is still to be deposited, as I am paid through the 31st. For 2016, we will see what life holds, what we do (for leisure, fulfillment, and personal growth and well-...
by cinghiale
Wed Dec 23, 2015 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Age in Bonds
Replies: 108
Views: 8529

Re: Age in Bonds

burt wrote: Age 60. Retiring end of year. My goal is to maintain my modest standard of living for 30 years. (maintain my take home pay for 30 years.) 30% stocks/ 70% bonds I think I've "won the game". No need, ability, or desire to take more risk. Ditto on the age. Ditto on the retirement...
by cinghiale
Tue Dec 22, 2015 7:54 pm
Forum: Investing - Theory, News & General
Topic: Remembering Fred Schwed
Replies: 8
Views: 1016

Re: Remembering Fred Schwed

Thanks, Paul, for posting this. "Where Are the Customer's Yachts" remains a classic and a very entertaining read. I have a good friend who was a Schwed devotee and eschewed all stock investments. When we met, I was still years away from discovering Mr. Bogle's wisdom on what one could infl...
by cinghiale
Fri Dec 18, 2015 8:20 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 231
Views: 32989

Re: Roll Call for the Retirement Class of 2015!

What an amazing day! What a surreal and impressive cascade of feelings! I closed up my office, cleaned out my computer, handed in my keys, and said my final goodbyes yesterday. Today I have woken up to Day 1 of life beyond work. Lots of busy-- though fulfilling and enjoyable-- days ahead as the lead...
by cinghiale
Fri Dec 11, 2015 8:07 pm
Forum: Personal Consumer Issues
Topic: How to learn a second language
Replies: 103
Views: 8885

Re: How to learn a second language

I have had good luck requesting the Pimsleur courses via Interlibrary Loan. Yes, they are pricey, even when purchased used on Amazon or eBay. But it's hard to beat free. If you can plan ahead and be patient, and if your library can get them, Pimsleur provides an excellent core for both speaking and ...
by cinghiale
Thu Oct 15, 2015 7:42 pm
Forum: Investing - Theory, News & General
Topic: How/where have you learned the most?
Replies: 28
Views: 2632

Re: How/where have you learned the most?

For both knowledge and (especially) the reinforcement and retention of that knowledge, Taylor's Gems. It pays to go back to the classics and read the highlights that Taylor has drawn from them.

It has helped me avoid :oops: moments in investing.
by cinghiale
Wed Sep 30, 2015 5:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 231
Views: 32989

Re: Roll Call for the Retirement Class of 2015!

Wow. I just reviewed this thread and saw that I "signed up" on January 6th. That was a milestone. Another milestone was submitting official notice with my employer. What a surreal and liberating experience that was!! It's "out there" now. My colleagues know. The powers-that-be ha...
by cinghiale
Wed Aug 19, 2015 4:00 pm
Forum: Investing - Theory, News & General
Topic: Cheap copy of Lange's Retire Secure 3rd Edition
Replies: 71
Views: 9739

Re: Cheap copy of Lange's Retire Secure 3rd Edition

Yes, this is a very generous offer, and I'm grateful ithe forum was made aware of it. I will note, though, that my phone number and e-mail were *required* to submit the order. I don't mind paying the modest shipping charge. I do mind having my contact information used for follow-up solicitation or, ...
by cinghiale
Wed Mar 18, 2015 6:51 pm
Forum: Investing - Theory, News & General
Topic: This Fund Manager Has Consistently Beaten the S&P 500
Replies: 18
Views: 3240

Re: This Fund Manager Has Consistently Beaten the S&P 500

Looking at the title of this thread, I am reminded of Bill Miller. He was the poster child for consistently beating the benchmarks until he crashed and burned. Do you know anyone who has invested with Miller since he fell from the perch?
by cinghiale
Thu Feb 12, 2015 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Recommended Portfolio
Replies: 36
Views: 6769

Re: Vanguard's Recommended Portfolio

BetaTracker wrote: I should explain that our allocation was created by looking at a combination of things, including our own records of household savings and expenditures. We also considered our retirement income needs and stomach for risk. After talking to the Vanguard advisor and running the numb...
by cinghiale
Thu Feb 12, 2015 11:13 am
Forum: Personal Consumer Issues
Topic: Boglehead indulgences?
Replies: 12
Views: 1715

Re: Boglehead indulgences?

A bottle of nicely decanted Bogle Phantom wine. It's a $16.00-$17.00 bottle that tastes like a $40.00-$50.00 one.

And, no, I'm not enamored with it just because the winery's name. :wink:
by cinghiale
Wed Feb 11, 2015 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Recommended Portfolio
Replies: 36
Views: 6769

Re: Vanguard's Recommended Portfolio

In his first post, the OP wrote: This is for a working couple with at least another ten years until we'll need this in retirement. Does anyone else get a bit uncomfortable with a 70-30 stock/bond split with only ten years before needing to draw from the assets? But then, later on, the OP wrote: I'm ...
by cinghiale
Tue Jan 20, 2015 10:51 am
Forum: Investing - Theory, News & General
Topic: How to get things wrong - Swiss Franc (CHF)
Replies: 32
Views: 3871

Re: How to get things wrong - Swiss Franc (CHF)

I posed a version the following question on an earlier thread concerning the Swiss Franc and did not receive any replies (though I admit it wasn't exactly "on topic"): Are there any other forum members who bought a Swiss Franc-denominated annuity in the 1990s? Way back when, way before any...
by cinghiale
Sun Jan 18, 2015 2:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Why I like this forum
Replies: 34
Views: 2899

Re: Why I like this forum

Chalk up another +1, both to the OP and to the replies. This site is my "one stop shopping" for all things financial, investments, retirement, and lifestyle. I still depend on Arts and Letters Daily (http://www.aldaily.com), Brain Pickings (http://www.brainpickings.org), and Edge (http://w...
by cinghiale
Thu Jan 15, 2015 2:34 pm
Forum: Investing - Theory, News & General
Topic: Swiss franc jumps as SNB abandons ceiling versus euro
Replies: 25
Views: 2552

Re: Swiss franc jumps as SNB abandons ceiling versus euro

Anyone here still hanging onto the Swiss Franc annuities that were so actively touted in the 90s??

If so, :beer
by cinghiale
Mon Jan 12, 2015 12:43 pm
Forum: Investing - Theory, News & General
Topic: Where do you tilt your Total Int'l Fund?
Replies: 40
Views: 3883

Re: Where do you tilt your Total Int'l Fund?

dkturner wrote: About 1/3 of my international equity exposure is through the Vanguard Wellesley Income Fund, so I have a tilt towards large-cap European equities in my portfolio. I don't get this. Wellesley's portfolio is 38% stocks, and of the 60 or so stocks it holds, perhaps 12-14 are foreign co...
by cinghiale
Tue Jan 06, 2015 3:20 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 128
Views: 20795

Re: Vanguard announces new Tax-Exempt Index Fund

Note this a bit further down in the announcement:
To mitigate portfolio transaction costs and allow the fund to more closely track its benchmark, the new fund will assess a 0.50% purchase fee on Investor and Admiral Shares.
by cinghiale
Tue Jan 06, 2015 11:23 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 231
Views: 32989

Re: Roll Call for the Retirement Class of 2015!

Victoria , I was wondering if you would host a "Class of 2015" thread. Thanks for initiating it. I wish to be inscribed. My letter of retirement will say December 31, but I already have Friday, December 18 circled on my 2015 calendar. This will be the sweet spot. I will be old enough to s...

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