Search found 937 matches

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: 693

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: 2343

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: 8016

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: 3180

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: 1605

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: 1605

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: 652

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: 2526

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: 6504

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: 2667

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: 6440

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: 1408

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: 2280

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: 2091

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: 545

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: 8762

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: 22
Views: 2692

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: 6458

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: 9084

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: 444

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: 9084

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: 4506

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: 4506

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: 3392

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: 2714

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: 5295

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: 34752

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: 4166

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: 54
Views: 9084

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: 1653

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: 275
Views: 34752

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: 275
Views: 34752

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: 4693

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: 147
Views: 10637

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: 2399

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: 903

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: 1212

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: 8594

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: 4426

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: 107
Views: 10219

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: 2164

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: 945

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: 239

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: 418

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: 1023

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: 9871

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: 3742

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: 9871

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: 9871

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: 3879

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...

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