Search found 1870 matches

by sschullo
Mon Feb 08, 2016 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 41
Views: 3487

Re: Great 403b for teachers?

Question regarding title of thread (Great 403b for teachers) I see a lot of comments about profession-specific investment advice, but I'm not sure how investment advice that is great for one profession would not be great for another profession. The investment "advice" for public k-12 prof...
by sschullo
Sat Jan 30, 2016 4:35 pm
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 4597

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

This issue is common. When we had a legislation in CA to reform the states insurance code, the opposition bought up 403bwise.net and 403bwise.org, to drive traffic to the opposition. Of course, 403bwise.com was in support of the reform legislation. Lesson is to buy up all three domains: .org, .com a...
by sschullo
Thu Jan 21, 2016 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Failing "sleep well" test: Change AA or more Boglehead-therapy?
Replies: 63
Views: 5094

Re: Failing "sleep well" test: Change AA or more Boglehead-therapy?

BahamaMan wrote:
livesoft wrote:
SeeMoe wrote:I would take SS at 63 and invest it .

I found a place that gives about an 8% guaranteed return that I would invest 100% of my SS benefits in. Have you found something better?


+1 ............... :happy

+2 that 8% return will be mine in 1.5 years! :mrgreen:
by sschullo
Mon Jan 18, 2016 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Failing "sleep well" test: Change AA or more Boglehead-therapy?
Replies: 63
Views: 5094

Re: Failing "sleep well" test: Change AA or more Boglehead-therapy?

Of course, probably nobody loses sleep when the market keeps going up! :- ) If you are unable to heed the great suggestions offered (turn off TV, go on vacation, hire a fee only adviser from Garrett Planning Network or National Association of Personal Financial Advisers) to keep your emotions in che...
by sschullo
Sun Jan 03, 2016 9:42 pm
Forum: Investing - Theory, News & General
Topic: 2015 Asset Class Returns
Replies: 18
Views: 2894

Re: 2015 Asset Class Returns

Call_Me_Op wrote:Some of the numbers do not look right. For example, small-cap value looks way too bad and emerging markets way to good.


Yeah! I agree.
-32.86 would make it the worst performance on record, worse than 2008?
by sschullo
Wed Dec 30, 2015 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 41
Views: 3487

Re: Great 403b for teachers?

krow36, I would be very careful about entering into a agreement with any teacher's union sponsored 403(b). It certainly looks like you did your homework and those Vanguard fees and NEA Security Benefit fees look good. However, teacher's unions historically have done a terrible job. The only way you...
by sschullo
Wed Dec 30, 2015 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 41
Views: 3487

Re: Great 403b for teachers?

krow36, I would be very careful about entering into a agreement with any teacher's union sponsored 403(b). It certainly looks like you did your homework and those Vanguard fees and NEA Security Benefit fees look good. However, teacher's unions historically have done a terrible job. The only way you ...
by sschullo
Mon Dec 21, 2015 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 3M (MMM)
Replies: 39
Views: 4405

Re: Thoughts on 3M (MMM)

I did not believe your last comment about dividends increases as I did not notice a difference in the last ten years I owned the stock. But you are almost right about increasing dividends every year (except 2003 and if I am reading this table correctly) http://www.nasdaq.com/symbol/mmm/dividend-his...
by sschullo
Mon Dec 21, 2015 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 3M (MMM)
Replies: 39
Views: 4405

Re: Thoughts on 3M (MMM)

My mother bought 3M stocks back in the 50's and 60s. I benefited in several ways by my mother's decision as she worked for the company. It still has a small satellite factory in my tiny hometown, Cumberland, in northern Wisconsin. When she died in 2000, I inherited about 50 shares. For sentimental ...
by sschullo
Sat Dec 19, 2015 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 3M (MMM)
Replies: 39
Views: 4405

Re: Thoughts on 3M (MMM)

This is just my personal opinion, but I think it's a great time to load up on MMM. So long as at the same time you are also loading up on ABT, ABBV, ACN, ACE, ATVI, ADBE, ADT, AAP, AES, AET, AFL, AMG, A, GAS, APD, ARG, AKAM, AA, AGN, ALXN, ALLE, ADS, ALL, GOOGL, GOOG, ALTR, MO, AMZN, AEE, AAL, AEP,...
by sschullo
Wed Dec 16, 2015 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 3M (MMM)
Replies: 39
Views: 4405

Re: Thoughts on 3M (MMM)

My mother bought 3M stocks back in the 50's and 60s. I benefited in several ways by my mother's decision as she worked for the company. It still has a small satellite factory in my tiny hometown, Cumberland, in northern Wisconsin. When she died in 2000, I inherited about 50 shares. For sentimental r...
by sschullo
Tue Oct 13, 2015 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Does the feeling of abundance escape other Bogleheads too?
Replies: 119
Views: 26186

Re:

I max out my 401(k) plan and my profit sharing plan. According to Financial Engines, there is a 95%+ chance that I will meet my retirement goals I spend the rest. You really cannot take it with you. +1 I think there is too much discussion about how much you should be saving. As an educator, I saved...
by sschullo
Tue Oct 13, 2015 8:10 am
Forum: Personal Consumer Issues
Topic: Thinking of quitting job for a year of travel
Replies: 59
Views: 4855

Re: Thinking of quitting job for a year of travel

Do it! When I was 20, I "traveled" to Vietnam for 37 days. This week we are going back for my "2nd tour." Always wanted to travel. I think its fine to spend money while you are still young (and older too) on traveling. Never bought a new car during my working years, but I have tr...
by sschullo
Sat Oct 10, 2015 7:38 am
Forum: Personal Finance (Not Investing)
Topic: What is your favorite 60/40 balanced fund at Vanguard and why?
Replies: 32
Views: 4134

Re: What is your favorite 60/40 balanced fund at Vanguard and why?

Wellington. Tilted towards mid-cap and large cap value, good track record, but most important, its managed with a vanguard philosophy in mind--low costs, long term horizon, managers are not trying to find companies that will beat the indexes. The turn over rate is high for my taste, but its my under...
by sschullo
Sat Oct 10, 2015 7:22 am
Forum: Investing - Theory, News & General
Topic: Meeting to improve 403b with our plan administrator
Replies: 18
Views: 1578

Re: Meeting to improve 403b with our plan administrator

I'm a teacher and ask our association's president if there are any updates on trying to improve our 403b options periodically as I've brought to their attention the high fees options we currently have. Below is a response to my most recent inquiry about it. We are looking first to hire an impartial...
by sschullo
Fri Oct 09, 2015 10:03 am
Forum: Investing - Theory, News & General
Topic: New investors: how did your first correction go?
Replies: 100
Views: 7208

Re: New investors: how did your first correction go?

I know you asked only for recent first timers. Just to offer a perspective from an old timer, I remember my first correction back in 1997 and the 2nd in 1998, when I was a young and extremely overconfident wippersnapper at 50 years old. "Not a big deal" I remember while yawning. Then the &...
by sschullo
Tue Oct 06, 2015 7:27 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- Third Quarter Report
Replies: 5
Views: 742

Re: BOGLEHEAD CONTEST -- Third Quarter Report

Thank you Taylor for being late!
Otherwise, all of tea-leaf reading would have been for nothing.
Steve
by sschullo
Sun Oct 04, 2015 10:48 pm
Forum: Investing - Theory, News & General
Topic: A meeting with Jack Bogle
Replies: 30
Views: 3448

Re: A meeting with Jack Bogle

Great story Taylor!
by sschullo
Fri Oct 02, 2015 10:36 am
Forum: Investing - Help with Personal Investments
Topic: TreasuryDirect down?
Replies: 6
Views: 353

Re: TreasuryDirect down?

jackpistachio wrote:Anybody else having troubles accessing http://www.treasurydirect.gov? Just tried from a Windows 7, 8, and 10 machine and from both IE and Chrome. Keep getting the webpage is not available.


Running 10, your link works fine for me.
by sschullo
Thu Oct 01, 2015 11:48 am
Forum: Personal Consumer Issues
Topic: Name your top favorite tv shows
Replies: 188
Views: 26986

Re: Name your top favorite tv shows

Wall $treet Week with Louis Rukeyser. I still miss "Uncle Lou." :( From a historical perspective, it might be both enlightening and astonishing at the conversations with all of his guests, and their failed predictions. For example here is his show after the 1987 crash: https://www.youtube...
by sschullo
Tue Sep 22, 2015 8:04 am
Forum: Forum Issues and Administration
Topic: AMAZING BOGLEHEADS.ORG FORUM STATS
Replies: 29
Views: 4495

Re: AMAZING BOGLEHEADS.ORG FORUM STATS

Great job!
What is the average time each person spends on the site?
How many pages do they view before exiting?
How many are new visitors and how many are returning visitors?
by sschullo
Sun Sep 20, 2015 5:31 pm
Forum: Investing - Theory, News & General
Topic: dynamic asset allocation, based on market crashing?
Replies: 19
Views: 1202

Re: dynamic asset allocation, based on market crashing?

Eliminate the classy and sophisticated terminology ("backtest-overfitted market-timing-in-disguise idea") and you have what we call around here "Rebalancing." :wink:
by sschullo
Sat Sep 19, 2015 9:33 pm
Forum: Investing - Theory, News & General
Topic: Cheap copy of Lange's Retire Secure 3rd Edition
Replies: 71
Views: 9348

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

Thanks, I had already ordered his "Live Gay Retire Rich." There are so few financial books aimed towards same sex couples and the LGBT community.
by sschullo
Sat Sep 19, 2015 5:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is the Munchkin Man?
Replies: 23
Views: 7019

Re: Where is the Munchkin Man?

yea, he had a energy and a good heart, but seriously, I never understood what he said probably because I didn't know why.
by sschullo
Sat Sep 19, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Other Blogs/Forums read by Bogleheads
Replies: 33
Views: 2842

Re: Other Blogs/Forums read by Bogleheads

White Coat Investor. Aimed primarily at doctors, but also valuable for other high-income professionals. whitecoatinvestor.com/ And lower income too can benefit from WCI. 403bwise.com M* Mr. Money Mustache LinkedIn to fiduciary authors Loads of tweets from the Boglehead authors, frugal living and fi...
by sschullo
Sat Sep 19, 2015 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Free Kindle Downloads Today
Replies: 49
Views: 4378

Re: Free Kindles Today

For a retired teacher, free things are great! thanks so much.
by sschullo
Sat Sep 19, 2015 10:13 am
Forum: Forum Issues and Administration
Topic: How did you find the bogleheads website??
Replies: 98
Views: 7075

Re: How did you find the bogleheads website??

I was an early member of the Vanguard Diehards at Morningstar and learned of this site from posts to that site. Same here. I discovered M* when we started following our portfolio on M* in 1995. I went to the discussions looking for information about the 403b. I remember getting a response from Ted ...
by sschullo
Fri Sep 11, 2015 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab lost me thousands ... mostly venting, wondering if any recourse?
Replies: 51
Views: 5708

Re: Schwab lost me thousands ... mostly venting, wondering if any recourse?

Thermos12, The DOL regs on automatic enrollment default requirements might be helpful to you. I find it hard to believe that your plan's auto enroll default puts everybody in 92% equities!? Everybody? I wonder how many of your coworkers know whats going on? Check out this DOL regs: http://www.dol.go...
by sschullo
Thu Sep 10, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you freeze your credit?
Replies: 58
Views: 4359

Re: POLL: Do you freeze your credit?

yep

"Your message contains 3 characters.
You need to enter at least 5 characters."
Got it!
by sschullo
Wed Sep 09, 2015 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Post your current employer retirement plan! (if any)
Replies: 94
Views: 8740

Re: Post your current employer retirement plan! (if any)

Quite proud to post our 457b plan. It has best in class investments, low costs, 100% fee transparency, diversified choices. Its so good it won an award because teachers and other employees provided input into its creation. We not only selected the funds, but we selected a competent financial advise...
by sschullo
Wed Sep 09, 2015 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Post your current employer retirement plan! (if any)
Replies: 94
Views: 8740

Re: Post your current employer retirement plan! (if any)

Quite proud to post our 457b plan. It has best in class investments, low costs, 100% fee transparency, diversified choices. Its so good it won an award because teachers and other employees provided input into its creation. We not only selected the funds, but we selected a competent financial advise...
by sschullo
Mon Sep 07, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Post your current employer retirement plan! (if any)
Replies: 94
Views: 8740

Re: Post your current employer retirement plan! (if any)

Quite proud to post our 457b plan. It has best in class investments, low costs, 100% fee transparency, diversified choices. Its so good it won an award because teachers and other employees provided input into its creation. We not only selected the funds, but we selected a competent financial adviser...
by sschullo
Mon Sep 07, 2015 6:41 am
Forum: Investing - Theory, News & General
Topic: too much money in indexes?
Replies: 9
Views: 933

Re: too much money in indexes?

Passed discussions: https://www.bogleheads.org/forum/viewtopic.php?t=136747 https://www.bogleheads.org/forum/viewtopic.php?t=3242 https://www.bogleheads.org/forum/viewtopic.php?t=120641 https://www.bogleheads.org/forum/viewtopic.php?t=159723 and many more: https://www.google.com/search?sitesearch=bo...
by sschullo
Wed Sep 02, 2015 10:35 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1345
Views: 276426

Re: What Book Are You Currently Reading? Part VI

Just finished "White Coat Investor" by our own Boglehead, James Dahle, MD. For those that don't know "emergdoc," or his outstanding work, I wrote a review on Amazon: http://www.amazon.com/gp/customer-reviews/R2LK8PX3P8GXD1/ref=cm_cr_pr_rvw_ttl?ie=UTF8&ASIN=0991433106
by sschullo
Mon Aug 31, 2015 7:10 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 143
Views: 10062

Re: Aug 2015 correction: what Bogleheads did...

We took at 2nd look at our stock/bond split and it did not change much, so there was no need to rebalance.
by sschullo
Thu Aug 27, 2015 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Was about to change from 100% equity to 80%. Now what?
Replies: 71
Views: 7844

Re: Was about to change from 100% equity to 80%. Now what?

...Interestingly the more I refine my model the closer it converges to the Bogle portfolio of 65 TSM / 35 TBM. And he only had a B.A. ... Most of your learning will take place after you get out of academia. Real learning or "learning"? Most of what the popular media writes about economics...
by sschullo
Sun Aug 23, 2015 12:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Welcome to Dan Otter (of 403bwise)
Replies: 7
Views: 2058

Re: Welcome to Dan Otter (of 403bwise)

Hi Celia, Yeah, I remember you on 403bwise. Your post brings back memories of all those debates with the annuity agents. It also reminded me of another Boglehead poster started at 403bwise was Adrian Nenu. I gave him much credit for saving my portfolio by his now famous Nenu Rule. I used it to find ...
by sschullo
Sun Aug 23, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1433
Views: 273383

Re: What Movie Have You Recently Watched?

“The End of the Tour” A noir genre. True story. It is an excellent expose' of harsh realities and unintended consequences of fame. The story presents the conversation between David Foster Wallace and his tag-along Rolling Stone interviewer. Two conflicts: 1. The reporter’s motivation was to find out...
by sschullo
Sat Aug 22, 2015 9:45 am
Forum: Investing - Theory, News & General
Topic: How long will you"Stay the Course"?
Replies: 99
Views: 9306

Re: How long will you"Stay the Course"?

Why there are suddenly so many such questions popping up? You have seen nothing yet. Two more weeks with similar drops, we will see who is "staying the course". Bear markets (and bull markets) bring out emotions which are starting to creep into the discussion. Zweig in his book (Your Mone...
by sschullo
Fri Aug 21, 2015 10:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2679
Views: 531734

Re: U.S. stocks in freefall

Why is there a sell off? Animal spirits. Markets have this habit of being unpredictable. Markets go up and down and we don't why or when. Oh, the talking heads provide hints that we can discuss, but I would rather go to the gym, talk with my hubby about going to our next movie, read a book or go on...
by sschullo
Wed Aug 19, 2015 8:26 am
Forum: Investing - Theory, News & General
Topic: Horrible pretax 403(b) VS After Tax Account
Replies: 4
Views: 445

Re: Horrible pretax 403(b) VS After Tax Account

We hear you. The 403b with K-12 school districts is the most neglected plan created. What is so frustrating is that there are plenty of savvy teachers out there that need to step up to the plate and complain. Avoid AXA and VALIC like the plague. Its not only the excessive costs and commissions paid ...
by sschullo
Tue Aug 18, 2015 1:42 pm
Forum: Investing - Theory, News & General
Topic: Should you own foreign stocks?
Replies: 67
Views: 4680

Re: Should you own foreign stocks?

Pardon, if this has already been mentioned. Here is another way to look at the domestic and international markets: Market Cap. The dominating U.S. market cap makes Bogle's point more convincing. While the US market cap is roughly twice the size of the rest of the world combined, I still have a small...
by sschullo
Sun Aug 16, 2015 7:48 am
Forum: Local Chapters and Bogleheads Community
Topic: Welcome to Dan Otter (of 403bwise)
Replies: 7
Views: 2058

Re: Welcome to Dan Otter (of 403bwise)

My question is why do 403b plans almost always go with annuities? I don't think it is designated in the statutes or IRS regs. Historically, the Internal Revenue Code did restrict 403b plans to annuities. (403b's are pretty much the grand-dads of the DC retirement plans. They existed decades before ...
by sschullo
Sat Aug 15, 2015 10:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Welcome to Dan Otter (of 403bwise)
Replies: 7
Views: 2058

Re: Welcome to Dan Otter (of 403bwise)

HurdyGurdy wrote:Welcome to otterpops, nickname of Dan Otter of 403bwise.

Keep the good fight!


+1000!
by sschullo
Sat Aug 15, 2015 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Animal cruelty free mutual Funds
Replies: 37
Views: 2605

Re: Animal cruelty free mutual Funds

trebordet wrote:
Besides there is so much cruelty in this cruel world, how can one
possibly avoid any?!

At least she's trying.

+1 good for her!
by sschullo
Sat Aug 15, 2015 7:24 am
Forum: Investing - Help with Personal Investments
Topic: 457b vs. Taxable account
Replies: 18
Views: 1140

Re: 457b vs. Taxable account

Investing in a broadly diversified stock and bond market is risky enough. To think about bankruptcy, even though it is probably very remote, puts me over the top. But that's me. Its a tough decision.

Agree with sawhorse, about a major private educational institution.

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