Search found 960 matches

by cinghiale
Tue Jan 17, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?
Replies: 42
Views: 1801

Re: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?

:thumbsup To what arcticpineapplecorp wrote and,


:thumbsup To what Kitty Telltales said to make sure it stays in the spotlight within this thread.
by cinghiale
Tue Jan 17, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?
Replies: 42
Views: 1801

Re: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?

I find some irony in someone picking "TheBogleWay" as a user name and then coming out of the starting gate posting about stock picking.
by cinghiale
Sun Jan 15, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Berlin upon retiring. Please critique my plan.
Replies: 17
Views: 1796

Re: Relocating to Berlin upon retiring. Please critique my plan.

I don't want to sound a discouraging note, but it is likely you will need to choose between part time work and language acquisition. If you are in your 60s and starting with a new language, you are going to need lots of extended and focused time. If you find work, it will be as an English speaker. S...
by cinghiale
Sun Jan 15, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 166
Views: 8407

Re: How much do you typically spend in a restaurant?

OK, don't hate me for this one... One of the great joys of living in Europe is the "Menu of the Day." Here's a quick description of what it is and how it came to be in Spain: http://catavino.net/the-menu-of-the-day-spains-best-culinary-value-for-your-euro/ Two to three times per week we ha...
by cinghiale
Sun Jan 15, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: 3 Vanguard Funds That Are Taking on Water
Replies: 29
Views: 5078

Re: 3 Vanguard Funds That Are Taking on Water

Note the concluding sentence in the article: Like the other Vanguard funds on our picks to sell now, VEXPX is an outstanding long-term holding. But if minimizing risk is your goal, now is the time to back away. In a way, this makes moot the preceding recommendations. If long term bonds or real estat...
by cinghiale
Sun Jan 15, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 61
Views: 4613

Re: Flagship Reps

Thus far, no one has mentioned that you can always talk with your Flagship representative if you make an appointment. With just one day's lead time, I have found that my rep always has at least one time slot available. If something is more urgent, I can take my chances and talk with whichever rep is...
by cinghiale
Thu Jan 12, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Where Can a Self-Supporting Retiree Move?
Replies: 32
Views: 3440

Re: Where Can a Self-Supporting Retiree Move?

Lots of missing information here. OP... what would you say is the single most important factor leading you to consider a move abroad? I think Victoria provided a good shopping list of possibilities. May I add a few diagnostic questions? -- Have you lived outside the US for any considerable length of...
by cinghiale
Tue Jan 03, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: Why Mix Asset Classes in a Single Fund?
Replies: 20
Views: 1417

Re: Why Mix Asset Classes in a Single Fund?

livesoft wrote: Funds like Wellington and Wellesley practically owe their existence to these kinds of investors. I would be surprised if you asked owners of either of these two funds if they even knew the percentage of equities in their portfolios. Well, El Greco beat me to it, but I'll jump in and...
by cinghiale
Mon Jan 02, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: This is a good weekend to start tracking your net worth.
Replies: 69
Views: 5373

Re: This is a good weekend to start tracking your net worth.

I want to second Watty's suggestion. Also, I doubly second it for those who are contemplating retirement or who have just retired. Over the years I have used January 1st as a day to "run the numbers" and see what the big number (net worth) is, and how it has changed since the year before. ...
by cinghiale
Sun Jan 01, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: What are your portfolio/investments?
Replies: 38
Views: 2426

Re: What are your portfolio/investments?

Since David chimed in as one of the more aggressive investors in the forum, I'll toss in my allocation (just determined a few hours ago during my annual asset allocation review) as one of the more conservative. Age: 61, and retired since 12.31.15. US Equities: 24%. (Most all in total stock index, wi...
by cinghiale
Sat Dec 31, 2016 12:21 pm
Forum: Investing - Theory, News & General
Topic: Spending during retirement
Replies: 9
Views: 924

Re: Spending during retirement

Sheepdog wrote, I will add to that our New Years Eve, which is also our 56th anniversary, dinner tonight. :D I couldn't let this pass without comment. Happy 56th anniversary to you! We just celebrated 34 years of very happy togetherness on Christmas Day eve, another memorable date for a wedding. Ho...
by cinghiale
Fri Dec 30, 2016 1:30 am
Forum: Investing - Theory, News & General
Topic: How A 28-Year-Old Who Retired With A $2 Million Net Worth Is Investing In 2017
Replies: 42
Views: 5661

Re: How A 28-Year-Old Who Retired With A $2 Million Net Worth Is Investing In 2017

I liked the way she described her "thoughtways" concerning investing. The second point, in particular, can protect one from falling into confirmation bias when learning about and considering an investment or investment strategy. I feel I’ve gotten pretty far on just two things.First, don’t...
by cinghiale
Wed Dec 28, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Sell or keep these funds
Replies: 4
Views: 400

Re: Sell or keep these funds

You need to go in for a second editing and add the fund names to the ticker symbols. You will get more responses if people do not have to look up each of the funds referenced in your post.
by cinghiale
Thu Dec 22, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Afraid of retirement??
Replies: 55
Views: 4082

Re: Afraid of retirement??

adamthesmythe wrote: cinghiale wrote: I retired one year ago this coming week. In the months leading up to my departure, I served as a walking Rorschach Test for retirement. Colleagues I had barely spoken with over the years wanted to talk about why and how I had decided to retire, their own exit s...
by cinghiale
Thu Dec 22, 2016 8:41 am
Forum: Personal Consumer Issues
Topic: Afraid of retirement??
Replies: 55
Views: 4082

Re: Afraid of retirement??

I retired one year ago this coming week. In the months leading up to my departure, I served as a walking Rorschach Test for retirement. Colleagues I had barely spoken with over the years wanted to talk about why and how I had decided to retire, their own exit strategy, and/or all the reasons why the...
by cinghiale
Mon Dec 19, 2016 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Retired and now have a Blank canvas
Replies: 16
Views: 1570

Re: Retired and now have a Blank canvas

ginstwin , Per your question about vendors, you can easily match up the Vanguard fund recommendations with comparable Fidelity index funds. However, be careful on this: Sometimes a Fidelity fund with a similar name will have an expense ratio 14 times that of the index fund offering. For example, ch...
by cinghiale
Mon Dec 19, 2016 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Retired and now have a Blank canvas
Replies: 16
Views: 1570

Re: Retired and now have a Blank canvas

Welcome to the forum! A few disparate thoughts from someone who crossed the Atlantic in the other direction as you made your move. (Now living in Spain.) 1) Congrats on choosing Texas. It's one of the three or four best states in the U.S. for retirees and for money management in retirement. 2) I con...
by cinghiale
Sun Dec 18, 2016 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: How much cash do you keep?
Replies: 103
Views: 8608

Re: Retirees: How much cash do you keep?

livesoft asked, For instance, does anyone think that anything said in this thread will make people reduce their allocation to cash? Or increase their allocation to cash? Yup. I, for one, attempt to always test my thinking and decisions against "the wisdom of crowds" as it is presented in ...
by cinghiale
Fri Dec 16, 2016 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: How much cash do you keep?
Replies: 103
Views: 8608

Re: Retirees: How much cash do you keep?

We are a few short weeks away from completing year one of retirement. In 2015, we bumped up the cash held in our checking account rather considerably... pretty much covering a full year of expenses. That provided a nice psychological security blanket. Now, after an "uneventful" and crisis-...
by cinghiale
Mon Dec 12, 2016 3:12 am
Forum: Investing - Help with Personal Investments
Topic: Difficult choices among ability, willingness, and need to take risk
Replies: 28
Views: 2515

Re: Difficult choices among ability, willingness, and need to take risk

Fascinating post. I've always liked the "ability, willingness, need" thought construct and have made my retirement investment choices with it in mind. I think you will receive a variety of replies, so here's just one perspective. In retirement, I think that "need" trumps "ab...
by cinghiale
Mon Dec 12, 2016 2:39 am
Forum: Personal Finance (Not Investing)
Topic: Age to Take Social Security: The Ideal and the Reality
Replies: 86
Views: 11991

Re: Age to Take Social Security: The Ideal and the Reality

Any thoughts on taking early SS to avoid later penalties due to projected high RMDs (required minimum distributions) after age 70.5? In our case, we have been diligent savers over the years, and have around 70% of our assets in tax-deferred accounts. Let's say the remaining 30% will cover our living...
by cinghiale
Sat Dec 10, 2016 3:44 am
Forum: Personal Consumer Issues
Topic: Warning: BH may be hazardous to your financial health
Replies: 63
Views: 9820

Re: Warning: BH may be hazardous to your financial health

Instead of "rock and hard place," how about thinking in terms of "balance." Life enjoyment and inner satisfaction may well come from a balance between having sufficient savings (and the security, peace of mind, and comfort that comes with it), and finally spending a few dollars o...
by cinghiale
Fri Dec 09, 2016 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Should you retire early or keep working?
Replies: 28
Views: 3760

Re: Should you retire early or keep working?

I think the article touches on two important points. First, the key consideration (and, for that matter, the key challenge) is freedom . I didn't retire early to retire early, as if doing so bestowed bragging rights or some sense of enhanced status. I did so because there's so many other things I wa...
by cinghiale
Fri Dec 02, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Anything new about how to buy a new car I should know?
Replies: 14
Views: 768

Re: Anything new about how to buy a new car I should know?

Timing. You may want to read up on the optimal times to shop for a car. The last day or two of the month, or, even better, the quarter, may land you with a salesperson hungry for a sale. Or when the next year's models are in and there is leftover inventory from the prior year. More seasoned car buye...
by cinghiale
Tue Nov 29, 2016 9:27 am
Forum: Forum Issues and Administration
Topic: Thanks BH for a non-political oasis
Replies: 23
Views: 2611

Re: Thanks BH for a non-political oasis

I was going to get snarky about word usage and say that moderation is not the right term for the act of moderating. But, I took a peek online and found this: moderation mɒdəˈreɪʃ(ə)n/ noun 1. the avoidance of excess or extremes, especially in one's behaviour or political opinions. "he urged the...
by cinghiale
Wed Nov 23, 2016 12:01 pm
Forum: Investing - Theory, News & General
Topic: What was your Asset Allocation before and after retirement?
Replies: 91
Views: 9449

Re: What was your Asset Aloocation before and after retirement?

I find rixer's comment interesting. I slowly dialed down to a "Wellesley Income Allocation" leading up to retirement at age 60. That's pretty close to rixer's 40-60 allocation. That's where we are now, and plan to be for the foreseeable future. And, obviously, that's pretty close to "...
by cinghiale
Fri Nov 18, 2016 2:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Valuethinker has surpassed 30,000 posts
Replies: 39
Views: 3410

Re: Valuethinker has surpassed 30,000 posts

If not the forum's most impressive contributor both in terms of quantity and quality, certainly right there in the pantheon of the Bogleheads forum. And, ever the gentleman.
by cinghiale
Sat Nov 05, 2016 2:17 pm
Forum: Personal Consumer Issues
Topic: You know you have "made it" when ...
Replies: 11
Views: 1764

Re: You know you have "made it" when ...

I don't want to hijack the thread, but I found pennywise's story quite disturbing. Three university colleagues with 100+ combined years of service fired on the spot? Were they professors? If so, what about tenure? Perhaps they were administrative and support personnel. That doesn't make the firing a...
by cinghiale
Sat Nov 05, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: You know you have "made it" when ...
Replies: 11
Views: 1764

Re: You know you have "made it" when ...

Flight upgrades. We aren't extravagant about it, and first usually try to parlay miles into upgrade awards, but we now try very hard to sit in the front of the plane for long-hall flights. We also pay for a hotel room for the night before a flight, if getting to the airport would involve a long, com...
by cinghiale
Sat Nov 05, 2016 8:32 am
Forum: Investing - Help with Personal Investments
Topic: I have become a Boglehead !
Replies: 4
Views: 743

Re: I have become a Boglehead !

Someone's going to say it (or a variation on the theme), so here it is:

Welcome to the majesty (and freedom) of simplicity.

A year from now you will wonder why you mucked around so long with a legion of investments.
by cinghiale
Mon Oct 17, 2016 4:20 am
Forum: Personal Finance (Not Investing)
Topic: retire early and move to UK?
Replies: 22
Views: 2585

Re: retire early and move to UK?

A hearty "second" to what AlohaJoe wrote. There's so much more to an international move than what may well be a temporary swoon in currency exchange and property prices. I love having a low cost of living, and have one along Spain's Mediterranean coast. But (to quote a classic line from Se...
by cinghiale
Thu Oct 13, 2016 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Are you rich? An article by Jonathan Clements
Replies: 19
Views: 6581

Re: Are you rich? An article by Jonathan Clements

Looking at definition #4, I suspect that Mr. Clements has peeked at Nisiprius's signature line.
by cinghiale
Mon Oct 10, 2016 9:38 am
Forum: Personal Consumer Issues
Topic: Books to help prepare us for the inevitable aging process
Replies: 32
Views: 2738

Re: Books to help prepare us for the inevitable aging process

This is an article, not a book, and it deals with the final chapter of aging, not the entire aging process. But it's part of the conversation, and an outstanding bit of writing: "How Doctors Die," published three years ago in the NYT. If the link doesn't work, just Google the title. It wil...
by cinghiale
Sat Oct 08, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Retirees: What are your passions?
Replies: 56
Views: 6670

Re: Retirees: What are your passions?

Location passion: Living on the Mediterranean, and having the ocean close by. Person passion: Finally having the time, energy, and focus for together time with La Bella Signora . Food passion: Aforementioned time and energy for gathering and cooking fresh produce and food items. Activity passion: Wa...
by cinghiale
Sat Oct 08, 2016 6:27 am
Forum: Investing - Theory, News & General
Topic: 3 Investment Gurus Share Their Model Portfolios
Replies: 5
Views: 1447

Re: 3 Investment Gurus Share Their Model Portfolios

Note that each "guru" stresses the fact that costs matter. Note also that all the Vanguard fund recommendations in this article are the investor shares. There should have been some mention of the (much) lower cost admiral shares, if only in a footnote.
by cinghiale
Fri Oct 07, 2016 1:31 pm
Forum: Investing - Theory, News & General
Topic: Trying to beat the market
Replies: 18
Views: 2323

Re: Trying to beat the market

Taylor wrote: Bogleheads: Every year naive and greedy investors are lured into exotic funds and ETFs believing they have found a way to "beat the market." To see what can happen, these are the 10 worst Year-to-Date ETFs*: Ticker.....................Fund.......................................
by cinghiale
Fri Oct 07, 2016 9:27 am
Forum: Personal Finance (Not Investing)
Topic: The Art Is Not in Making Money, But in Keeping It
Replies: 7
Views: 2120

Re: The Art Is Not in Making Money, But in Keeping It

What dwickenh wrote brought to mind the following George Orwell quote: "Sometimes the first duty of intelligent men is the restatement of the obvious." Given the dual assault of the financial "services" industry and incessant commercial drumbeat that "consumption equals happ...
by cinghiale
Thu Oct 06, 2016 4:26 am
Forum: Investing - Help with Personal Investments
Topic: Any book recommendation on asset protection
Replies: 2
Views: 557

Re: Any book recommendation on asset protection

Is it too obvious to reply that good asset allocation is the best asset protection? Or are you looking for advice and information on legal instruments, like irrevocable trusts or LLCs?

Some specificity on this may encourage some suggestions from the forum members.
by cinghiale
Thu Oct 06, 2016 3:54 am
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 9058

Re: If i want to invest in gold (metal), what is the best way?

I agonize over gold. I have 5% of my portfolio in Central Fund of Canada (CEF), a closed-end fund that holds 60% gold and 40% silver bullion. It has been around since 1961, holds 97% bullion (rather than certificates), and is an international border away from potential confiscation. Like many poster...
by cinghiale
Tue Oct 04, 2016 12:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 23
Views: 2949

Re: Roll Call for the Retirement Class of 2017!

Isn't this Victoria's gig?

Or did she decide to pass the baton upon her retirement?

If not, isn't this like someone deciding to post "gems" without checking with Taylor first?
by cinghiale
Tue Oct 04, 2016 6:58 am
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 63
Views: 6806

Re: Vitamix Worth It?

Worth it? I have one and vote "yes." But I can easily see the arguments against, as the cost is weighed against the benefits above and beyond a standard heavy duty blender. A Vitamix will smoothly purée items that a blender-- even a heavy duty one-- cannot. The blades go at such a high spe...
by cinghiale
Mon Oct 03, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Aging and Spending
Replies: 54
Views: 9324

Re: Aging and Spending

I've been mulling over aspects of this thread for a week now. It's been like something caught in a back tooth, that will not let itself be forgotten and will not be dislodged. Shallowpockets' reflections on travel, chance taking, stagnation, and comfort levels was, and is, one of those amazing bits ...
by cinghiale
Sat Oct 01, 2016 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Cash Liquidity Question/Real Estate Investing - HELP!
Replies: 12
Views: 450

Re: Older and Wiser - Help a Youngster Out

I'm wondering how many solid replies and and how much good advice you are forfeiting due to such a charming subject title.

(Edit: Looks like there's nothing to do but second Gill's motion.)
by cinghiale
Sat Oct 01, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: Aging and Spending
Replies: 54
Views: 9324

Re: Aging and Spending

Levett wrote, Retired in 2000 precisely not to postpone any further pleasures and indulgences. Lev, Very glad you posted, and good to hear that things are working out well 15 years on. I was heartened to see that you do not mention any great aggravations from the 2001 or 2008 market downturns. You ...
by cinghiale
Tue Sep 27, 2016 3:53 am
Forum: Personal Consumer Issues
Topic: Bogleheads for Diet/Nutrition?
Replies: 66
Views: 4711

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: 66
Views: 4711

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: 3535

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: 2811

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: 35
Views: 5401

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: 275
Views: 36036

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 ...

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