Search found 226 matches

by schuyler74
Sat Oct 01, 2016 5:01 pm
Forum: Personal Consumer Issues
Topic: Clearing car "Check Engine" light
Replies: 51
Views: 15221

Re: Clearing car "Check Engine" light

The Auto Zone near us doesn't have the code reader available for free any longer. Is this true in your area now? Dunno, haven't needed to ask! Always fun when someone mentions they have a Check Engine light on, and you whip out your little scanner tool and ask, "Want me to clear your codes?&qu...
by schuyler74
Thu Sep 29, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 84
Views: 6379

Re: "Women and Investing" class offered by Employer

Schuyler, So, have you decided to go and let us know what it was about? No dice! Women only. Asking around, I can't find anyone who attended, and I didn't stalk the conference room to see who showed up. I know, major letdown. Sorry, Celia. While that meeting was going on, I received the following e...
by schuyler74
Wed Sep 21, 2016 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 84
Views: 6379

Re: "Women and Investing" class offered by Employer

OP here. This forum is great... and it's not a quality thread until nisiprius is posting pics of his deodorant! [Not any more --admin LadyGeek] I expect the seminar will be put on by the same guy from MetLife who visited several months back when it was advertised as a general info session on retirem...
by schuyler74
Tue Sep 20, 2016 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 84
Views: 6379

"Women and Investing" class offered by Employer

One week ago, I received an email from my employer promoting a lunch-hour investing seminar put on by a local financial consultant (associated with one of the big American investing companies), stating the following: This session will focus particularly on women and investing, and the unique financi...
by schuyler74
Sat Jul 23, 2016 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Pension buyout, take lump sum?
Replies: 2
Views: 847

Pension buyout, take lump sum?

I'm 42 years old and was offered a pension buyout from my former employer with these choices: ⋅ immediate one-time lump sum of $63,335 ⋅ immediate annual benefit of $3,444 ⋅ (default) age 65 annual benefit of $17,572 The cost to purchase my default pension today is $128...
by schuyler74
Fri Jul 15, 2016 4:04 pm
Forum: Investing - Theory, News & General
Topic: "Pokemon Go" -- should buying Nintendo have been obvious?
Replies: 88
Views: 5188

"Pokemon Go" -- should buying Nintendo have been obvious?

Nintendo ( NTDOY ) stock price has been hanging around $18 per share all year. The Pokemon Go app was released on Wednesday, July 6. On Friday, it closed at $20 and opened Monday at $27. Today is July 15 and it just closed at $33. If "all known information" was already baked into the $18 p...
by schuyler74
Sat Jul 09, 2016 8:06 pm
Forum: Investing - Theory, News & General
Topic: REIT's Get Their Own Sector!
Replies: 13
Views: 1215

Re: REIT's Get There Own Sector!

https://www.reit.com/investing/investor-resources/gics-classification-real-estate In 2016, S&P Dow Jones Indices and MSCI will reclassify and elevate stock-exchange listed real estate companies (including listed equity REITs) from under the Financials Sector to a new 11th headline Real Estate S...
by schuyler74
Sun Jun 21, 2015 3:52 pm
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 16614

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

As with most preferences, I expect a lot of it is personality type. From evidence found in prior posts, this board has a disproportionate amount of "C" (from the DiSC profile). I expect people who are less risk-averse tend to be "D" or "i" types. http://www.affinitytrai...
by schuyler74
Tue May 05, 2015 10:13 pm
Forum: Investing - Theory, News & General
Topic: The Bogle eBlog -- no longer maintained?
Replies: 0
Views: 484

The Bogle eBlog -- no longer maintained?

http://johncbogle.com/wordpress
The last update on "The Bogle eBlog" was about 6 months ago. Is the site dead? Who'd been maintaining it? It is referenced on the Wiki and it always had the latest video clips and links to articles he'd written. Would be a shame to see it go.
by schuyler74
Sun May 03, 2015 8:09 pm
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 8180

Re: Polls Disabled

Perfect -- I was going to respond and say this anyway, and then read this: I too am disappointed that polls were disabled. Even if they were not scientifically accurate, they provoked some good discussions, and were certainly entertaining. I think voting in polls is a sort of stepping-stone for new ...
by schuyler74
Fri May 01, 2015 1:10 am
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 108
Views: 11706

Re: Do REITs really offer effective portfolio diversificatio

I think there are two questions here: ⋅ Is owning commercial property a different kind of investment than an equity or a bond? ⋅ If so, is it an effective portfolio diversifier? A bond is a loan, which a REIT most definitely is not. An equity is an ownership interest in a busines...
by schuyler74
Sat Apr 11, 2015 10:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 8514

Re: Favorite Boglehead Avatar?

BrandonBogle
Image
by schuyler74
Sat Apr 11, 2015 3:00 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 8514

Re: Favorite Boglehead Avatar?

That's weird.

Zaboomafoozarg's is what I was going to respond with before reading the OP. I even dragged it into Google Images once to discover its origin.

And Nisiprius' for the same reason just mentioned. If I'm scrolling and see the butterfly, I stop.
by schuyler74
Wed Feb 18, 2015 1:02 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 14094

Re: Dave Ramsey Lashes Out at His Financial Critics

In just nine lessons, you'll learn to take control of your money, invest for the future and give like never before. The average family pays off $5,300 in debt and saves $2,700 in the first 90 days! Assuming that's true, wouldn't it immediately settle the debate of whether he is "doing more har...
by schuyler74
Wed Feb 11, 2015 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a mess?
Replies: 31
Views: 4679

Re: Am I a mess?

My suggestions: ⋅ Pay off ALL loans to leave you with $10,000 cash. ⋅ Stop borrowing money. ⋅ Call around for cheaper car insurance and raise the deductibles to $1,000 ($1,560 per year is very high; mine is $650 for 2 cars.) $10K is a sufficient emergency fund (for now)...
by schuyler74
Sat Feb 07, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Lending money to family - I can't say no
Replies: 82
Views: 7151

Re: Lending money to family - I can't say no

Not perfectly relevant here, but whenever I hear about intra-family money lending, I think of this letter written by some old guy to his brother who'd just asked him, yet again, for a small loan that he promised he'd repay quickly. January 2, 1851 Dear Johnston: Your request for eighty dollars I do ...
by schuyler74
Wed Feb 04, 2015 9:08 pm
Forum: Investing - Theory, News & General
Topic: Video on emotion in investment decisions
Replies: 10
Views: 823

Re: Video on emotion in investment decisions

If only a daring Boglehead would volunteer their own money to be the Auctioneer, we could start a new thread to do this exact experiment. :twisted: (It would only work, however, provided everyone really believed that all bids were honest and would really be paid, at the conclusion of the auction.) I...
by schuyler74
Wed Feb 04, 2015 1:11 am
Forum: Investing - Help with Personal Investments
Topic: Build large equity position gradually or in one purchase?
Replies: 6
Views: 959

Re: Build large equity position gradually or in one purchase

If a foundation receives a $20 million cash gift, what are the tradeoffs to consider between investing those funds immediately versus dollar-cost averaging the investment over time? How might an individual who receives a $1 million windfall approach the same decision? This is a short article talkin...
by schuyler74
Sat Oct 04, 2014 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Age 30, should I buy 30 year term?
Replies: 10
Views: 1312

Re: Age 30, should I buy 30 year term?

I see life insurance as fulfilling a single purpose: providing peace-of-mind to your spouse that, if you were to die, he/she will be able to raise the kids until they are adults and are capable of taking care of themselves. To that end, I wouldn't buy insurance until I had a wife and first child, an...
by schuyler74
Mon Jul 14, 2014 3:46 pm
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 40
Views: 7216

Re: "Stocks and shares," different things? "Peter Pan"

I found an online analysis of the text in question, part of which I pasted below. Although it doesn't get into the specifics of what nisiprius was asking about, I think its writer would lean toward the idea that Barrie was intentionally trying to show Mr. Darling as an arrogant male who acted overly...
by schuyler74
Sun Jul 13, 2014 6:41 pm
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 40
Views: 7216

Re: "Stocks and shares," different things? "Peter Pan"

http://www.investopedia.com/ask/answers/140.asp wrote:For example, "stock" is a general term used to describe the ownership certificates of any company, in general, and "shares" refers to a the ownership certificates of a particular company.
by schuyler74
Mon Jun 30, 2014 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 11672

Re: do you lie about your finances to friends

How you should answer depends on why they're asking, rarely is it helpful to disclose info about your own finances to someone who has no intention of doing anything differently. If they just want to vent (and not change) then you listen because you're their friend. If they actually want real advice ...
by schuyler74
Wed Jun 18, 2014 5:28 pm
Forum: Investing - Theory, News & General
Topic: To stay a Boglehead, I have to leave Bogleheads.org
Replies: 56
Views: 7162

Re: To stay a Boglehead, I have to leave Bogleheads.org

A year ago, I decided to go to a "Core Four" (TSM, TISM, Bonds, REITs) and rejected tilting. Last week, after reading various threads, I almost decided to start tilting. But then other threads show that investors tend to lose returns due to jumping in to a trend too late. So then I decided...
by schuyler74
Tue Jun 17, 2014 12:56 pm
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 10251

Re: Personal Life subforum?

Can someone present a specific example of a post that would be allowed in this proposed new forum that is not allowed in the existing forums? All of the above is too vague for me to understand what we're actually debating.
by schuyler74
Thu Jun 12, 2014 6:48 pm
Forum: Investing - Theory, News & General
Topic: If chasing market performance is bad...
Replies: 85
Views: 6049

Re: If chasing market performance is bad...

Generally speaking, though, chasing what's hot is a bad idea IMO. If everybody's talking about it, all the possible money that can/will move into it already has. Isn't that what "momentum" is, though? Momentum in academic finance is defined as the return of stocks that have outperformed i...
by schuyler74
Thu Jun 12, 2014 2:57 pm
Forum: Investing - Theory, News & General
Topic: If chasing market performance is bad...
Replies: 85
Views: 6049

Re: If chasing market performance is bad...

If chasing market performance is bad... Then isn't doing the opposite good? Sounds exactly like what I asked a month ago ( here ): "If every instinct you have is wrong, then the opposite would have to be right." ( YouTube clip ) If following normal, natural emotions provides investors wit...
by schuyler74
Wed Jun 11, 2014 5:44 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 232
Views: 28304

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

I'm glad I asked because you all have provided some excellent responses and it got me reading more about TAA in Artsdoctor 's wiki link. Tactical asset allocation is an active investment strategy that adjusts a portfolio's asset class weightings according to short term forecasts of expected returns....
by schuyler74
Wed Jun 11, 2014 1:15 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 232
Views: 28304

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

I still don't see how "tactical asset allocation" is any different than "market timing", except that in the former you're doing it with entire indexes and the latter is individual stocks. All Bogleheads agree that trying to time buy/sell of individual stocks based on evaluations ...
by schuyler74
Tue Jun 10, 2014 10:14 pm
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 66
Views: 8368

Re: Any "Apps" you like?

"Vanguard Investor" is an app to monitor your investment accounts.
"Vanguard Advisors" has lots of links to articles and videos of interest to Advisors.

I don't have a vanguard account but I installed the Advisors app. There's a new article/video every other day or so.
by schuyler74
Tue Jun 10, 2014 10:02 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 232
Views: 28304

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

Several (including EmergDoc ) have mentioned above the possibility of looking around for alternative investments besides stocks and bonds. Would Bernstein's numbers imply that the next decade might be a good time to pay down those "negative bonds" many of us have in our home mortgages? Fro...
by schuyler74
Tue Jun 10, 2014 3:53 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 232
Views: 28304

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

Thank you for answering my question, JoMoney. I appreciate it! :beer

Sometimes I ask questions that are possibly obvious to many members on these forums, but I think I'm asking questions that many others reading this thread might also be wondering about.
by schuyler74
Tue Jun 10, 2014 8:15 am
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 232
Views: 28304

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

All this discussion of preemptively overweighting Foreign vs Domestic, or Value vs Growth, Stocks vs Bonds. Isn't that just market timing? Why not just stick with your usual AA? Hasn't it been shown that performance chasing causes investors to miss out on gains they could have had, had they "st...
by schuyler74
Mon Jun 09, 2014 2:05 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 232
Views: 28304

Re: Bernstein: A Decade of Super-Low Returns

What are the reasons why he predicts a 2.5% real return over the next decade? Is it due to a fundamental shift in the world economy or something else? Because if it's based on things "being different now" than they have been, then why limit it to just the next decade and not the next 50 y...
by schuyler74
Mon Jun 09, 2014 1:51 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 232
Views: 28304

Re: Bernstein: A Decade of Super-Low Returns

What are the reasons why he predicts a 2.5% real return over the next decade? Is it due to a fundamental shift in the world economy or something else? Because if it's based on things "being different now" than they have been, then why limit it to just the next decade and not the next 50 ye...
by schuyler74
Mon Jun 09, 2014 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: [Poll] How do you rebalance?
Replies: 30
Views: 2184

Re: [Poll] How do you rebalance?

I rebalance once a year, whenever I fill my Roth IRA. "Band rebalancing" refers to a tolerance band — when the allocation to a certain asset class strays more than some percentage from the target. For those who voted " use bands: range 5% and < 7.5% ", how do you apply these perc...
by schuyler74
Sun Jun 08, 2014 6:05 pm
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 12059

Re: Who are the Bogleheads.org heavyweights?

That's a good point -- why aren't there more authors / bloggers / financial experts peddling their wares on this board? Really? I haven't seen anybody peddling anything on this board. Letting us know when an article or book of interest becomes available doesn't seem like peddling wares to me. Oh, I...
by schuyler74
Sun Jun 08, 2014 12:15 pm
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 12059

Re: Who are the Bogleheads.org heavyweights?

What i find most interesting is that many potential heavyweights arent in the financial business (there are several of course). Originally i would have thought more "experts" would be on such a list and that more "good experts" would want to come here and get their name out but ...
by schuyler74
Fri Jun 06, 2014 5:54 pm
Forum: Investing - Theory, News & General
Topic: Bernstein's Four Pillars of Investing for $1.99 on June 4th!
Replies: 88
Views: 6291

Re: Bernstein's Four Pillars of Investing for $1.99 on June

I've it loaded to my android but don't see an option for audio. Does anyone know how? Thanks. You can't, though [(link removed) --admin LadyGeek] claims a way to do it by transferring the downloaded Kindle book (file) from your Android device to your PC, converting it there to a MOBI file, then cop...
by schuyler74
Fri Jun 06, 2014 2:58 pm
Forum: Investing - Theory, News & General
Topic: AAPL to split 7-1, moving to DJIA?
Replies: 10
Views: 1263

Re: AAPL to split 7-1, moving to DJIA?

Okay, the DJIA is operates the way it does; it's price-based. But is there an incentive to get into it? Will AAPL's stock price probably rise if it makes it in? Shouldn't we all buy AAPL in that case -- if it's a lock to soon rise in price? And again, if there isn't an incentive, then why would the ...
by schuyler74
Fri Jun 06, 2014 2:26 pm
Forum: Investing - Theory, News & General
Topic: AAPL to split 7-1, moving to DJIA?
Replies: 10
Views: 1263

Re: AAPL to split 7-1, moving to DJIA?

And does the fact that it is likely moving into the DJIA have any influence on its price? Will it become more or less attractive to investors because of this? If so, how/why? If not, then why would the article's author imply that Apple is splitting in order to get into the DJIA?
by schuyler74
Fri Jun 06, 2014 2:24 pm
Forum: Investing - Theory, News & General
Topic: AAPL to split 7-1, moving to DJIA?
Replies: 10
Views: 1263

AAPL to split 7-1, moving to DJIA?

Apple to be 'cheap' Monday. Will you buy? The split may also help convince the people who run the Dow Jones Industrial Average, the most well-known barometer of the stock market in the world, to finally include the company among its exclusive group of 30 stocks. Apple is worth significantly more th...
by schuyler74
Wed Jun 04, 2014 5:41 pm
Forum: Investing - Theory, News & General
Topic: Bernstein's Four Pillars of Investing for $1.99 on June 4th!
Replies: 88
Views: 6291

Re: Bernstein's Four Pillars of Investing for $1.99 on June

Downloaded to PC, tablet, and phone... for $1.99 !
336 pages, feels like a Large-cap Value.

My first Kindle purchase! I suppose that's the reason for the discount -- to get new Kindle users?
by schuyler74
Tue Jun 03, 2014 7:40 am
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 8361

Re: "Is Bogle Befuddling?"

Right! A beautiful summary all in a single post. Should be #requiredReading . Or maybe in the wiki somewhere... I remember reading all those things separately but it helps seeing it all at once to get Bogle's complete view on the topic. I think the final answer is: "No, Bogle is not befuddling....
by schuyler74
Mon Jun 02, 2014 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor: Slightly Changing AA to get Admiral Funds?
Replies: 15
Views: 1227

Re: Young Investor: Slightly Changing AA to get Admiral Fund

EmergDoc wrote:By the time you need to worry about stuff like this you won't own anything but admiral shares.

Neo: What are you trying to tell me? That I can dodge bullets?
Morpheus: No, Neo. I'm trying to tell you that when you're ready, you won't have to.
by schuyler74
Mon Jun 02, 2014 12:44 pm
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 12059

Re: Who are the BogleHeads.org heavyweights?

Your need for influential leaders and real heavyweights is perplexing I've already explained very clearly in the part you quoted above that the point is that NEW USERS have no idea who is giving them advice, and it can be helpful when you're getting conflicting opinions to have an idea of the crede...
by schuyler74
Sun Jun 01, 2014 9:05 pm
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 12059

Re: Who are the BogleHeads.org heavyweights?

I guess I just thought if it is 2% in the general population its probably a stretch that it is 50% here. maybe 20%? VictoriaF provided two links above to prior threads on the Myers-Briggs Personality Test results for forum members, but since LadyGeek locked that thread I suppose we should just refe...
by schuyler74
Sun Jun 01, 2014 8:12 pm
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 12059

Re: Who are the BogleHeads.org heavyweights?

Really, grok87 ? I was thinking you were dead on for at least half of the regular posters. I don't imagine the typical BogleHead as a regular partygoer. But I've only met one BogleHead (that I know of) in person, so I don't have a large selection to compare against. INTJ, and perhaps ISTJ, although ...
by schuyler74
Sun Jun 01, 2014 7:05 pm
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 12059

Re: Boglehead heavyweights.

The INTJ personality type is one of the rarest and most interesting types. Comprising only about 2 percent of the U.S. population (INTJ females are especially rare—just 0.8%), INTJs are often seen as highly intelligent and perplexingly mysterious. INTJ personalities radiate self-confidence, relying...

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