Search found 1171 matches

by cinghiale
Wed Jan 23, 2019 8:43 am
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 52
Views: 4335

Re: One Fund to Rule Them All

A vote for a Target Date fund based on an observation I haven’t seen mentioned yet. The OP’s daughter is 24. She has witnessed a steady upward rise in US equities since she was 14. Does she have any recollection of the 2008-2009 downward cascade of stock prices? That happened when she was a pre-teen...
by cinghiale
Tue Jan 22, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Bogleheads Drink Up! [Bogle Vineyards Wine]
Replies: 35
Views: 9176

Re: Bogleheads Drink Up! [Bogle Vineyards Wine]

barreg beat me to it...

Can’t have a Bogle vineyard wines discussion without highlighting the ever-quaffable Phantom. An outstanding value.

Image
by cinghiale
Sun Jan 06, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4455

Re: Retirees: any major goals for 2019?

Shallowpockets wrote, Why do people leave it so open ended? You should not leave yourself an escape route. After all it is you who decides on the goal. If you think you cannot do it, then discard it as a goal. Spoilsport. :wink: Hey, this thread solicits the input of retirees . I, for one, retain t...
by cinghiale
Sun Jan 06, 2019 2:27 am
Forum: Personal Finance (Not Investing)
Topic: Social Security question hindsight
Replies: 65
Views: 4936

Re: Social Security question hindsight

This article has been cited in past threads concerning Social Security. I think it’s an important addition to the conversation, as it explores a number of different variables that could move the marker for the “breakeven point” for receiving benefits.

http://danielamerman.com/va/BenefitAge.html
by cinghiale
Sat Jan 05, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security question hindsight
Replies: 65
Views: 4936

Re: Social Security question hindsight

jacksonm wrote, I think it might be a sign of a healthy mind not to go looking for cognitive dissonance-producing information after you've already made a decision that you can't change in hindsight. Other than advising someone not to make the same mistake what good would it do? You may well be righ...
by cinghiale
Fri Jan 04, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4455

Re: Retirees: any major goals for 2019?

WoodSpinner wrote,
- Loose 30 more pounds (85 already lost starting in 2017) and continues he getting into better shape.
Wow. Bravo. Way to go, and all the best with this year’s target.
Love this thread—it’s nice to be among people who actively think about this planning!
Agreed! :sharebeer
by cinghiale
Fri Jan 04, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security question hindsight
Replies: 65
Views: 4936

Re: Social Security question hindsight

ResearchMed wrote, It's also much easier to think that you made the "right" decision, rather than later to think - or to have to type into an online Forum entry! - that you didn't make the "right" choice. :shock: I think there’s a behavioral economics term for that as well! :beer In social psycholo...
by cinghiale
Fri Jan 04, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security question hindsight
Replies: 65
Views: 4936

Re: Social Security question hindsight

I don’t have the source citations at my fingertips, but some recent polling in this area showed that most people are happy with the choice they made for taking SS, no matter at what age they did. I’m sure there’s a behavioral economics term for this. Though, it’s easy to see how the early takers wou...
by cinghiale
Fri Jan 04, 2019 2:50 pm
Forum: Investing - Theory, News & General
Topic: Is there a Nassim Taleb portfolio?
Replies: 38
Views: 4366

Re: Is there a Nassim Taleb portfolio?

rubthemtogether wrote: Hi. That's my site. Thanks for posting this and glad you enjoyed reading it Hello back. And welcome to the forum. As a recent retiree, I’ve been seeking a more flaneurish lifestyle and attitude. Your essay was, and is, a keeper. I have bookmarked it and have forwarded it alon...
by cinghiale
Fri Jan 04, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4455

Re: Retirees: any major goals for 2019?

As the fourth year of retirement freedom begins, a reiteration of last year’s goals and the addition of this year’s. 2018 Goals: — Cherish every day of good health. — Cherish every moment with La Bella Signora . — Lead with kindness in all situations and with all who I encounter. — Find ways to be o...
by cinghiale
Tue Jan 01, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: The Best To All
Replies: 7
Views: 561

Re: The Best To All

I’m sure there are many exceptions, but it seems to (very!) frequently be that it takes until a serious health event hits one (or one’s loved ones) before that deep, abiding appreciation of good health finally occurs. What better wish... to all on the forum: A very happy and healthy New Year. Thanks...
by cinghiale
Fri Dec 28, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Small-cap value fund
Replies: 29
Views: 2472

Re: Fidelity Small-cap value fund

If and when you get to $110,000 invested in VSIAX, the 0.07% expense ratio will cost you $75.00 per year. If VSIAX is your best option, I wouldn’t let $75.00 be a deal breaker. Over the long-term, that initial expense will disappear.
by cinghiale
Fri Dec 28, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead - Am I on the right track?
Replies: 4
Views: 347

Re: New Bogglehead - Am I on the right track?

Drolen wrote,
Thanks!. Yes I mistyped the VB/VT, now corrected to VTIAX and VTSAX
While you are doing a bit of tidying and editing...

Boglehead

Bogle

One “g”.
by cinghiale
Fri Dec 28, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Small-cap value fund
Replies: 29
Views: 2472

Re: Fidelity Small-cap value fund

How much are you considering investing? A $75.00 initial fee may be an unacceptably high percentage of the total amount you are going to invest, or it may add a meaningless few basis points to the long-term costs of owning VSIAX. Think in terms of percent, not the dollar amount. Otherwise, you may b...
by cinghiale
Fri Dec 28, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Shoes to wear with jeans to the office?
Replies: 87
Views: 5606

Re: Shoes to wear with jeans to the office?

I’m going to assume that “shoes” mean shoes, not boots or sneakers or hybrid thingys.

Look at Ecco oxfords. Brown or mahogany, never black. Go great with jeans, and provide a nice formal-informal complimentary.
by cinghiale
Fri Dec 28, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: Nobody asked me but
Replies: 46
Views: 4603

Re: Nobody asked me but

While I agree with many of the points made in response to the original post, I also detect a rather unholiday-like undercurrent of sarcasm, snarkiness, and condescension within some of the replies. Kudos to the OP for answering in a gracious and non-defensive manner. Maybe our sense of decorum could...
by cinghiale
Wed Dec 26, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 6886

Re: What have your learned this year

VictoriaF wrote,
Philosophical: The concept of finite and infinite games. I am now trying to apply it to many aspects of my life and life in general.
OK, I don’t want to hijack the thread, but this looks too intriguing to simply let go by the boards. Victoria, a few words of explanation here?
by cinghiale
Wed Dec 26, 2018 1:55 am
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 6886

Re: What have your learned this year

Financial: An asset allocation that looked rather stodgy and overly-conservative during the go-go seasons has looked (and performed) pretty good over these last few tumultuous weeks.

Personal: Health is paramount, and should be cherished, protected, and nourished to be best of one’s abilities.
by cinghiale
Mon Dec 24, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19523

Re: Favorite Purchase of 2018?

ResearchMed asked, Is this part of their Round The World, or have you put together a bunch of B2B's (Back to Backs)? We love their two larger ships, but wish there were more variety to the itineraries. The small size of the cabins (including PH) worries us for very lengthy trips. Maybe even for som...
by cinghiale
Mon Dec 24, 2018 2:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: My New Avatar
Replies: 23
Views: 1431

Re: My New Avatar

Mood matching?

No avatar switch can rescue me.
by cinghiale
Mon Dec 24, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19523

Re: Favorite Purchase of 2018?

Yukon asked, Which cruise line? I'm not a huge fan of cruises but mostly because of the crowds and port hassles due to sheer volume of people. I'd imagine 49 days would limit the size of the ship? And perhaps allow more leisurely travel than the mob scene of 6 hr stops? Apologies for the tardy repl...
by cinghiale
Mon Dec 24, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: Adrian's Rule Revisited
Replies: 24
Views: 4798

Re: Adrian's Rule Revisited

Like jeffyscott , I chimed in on this back in 2010, before Adrian took his ball and went home (never quite understood the reason why). Along with Adrian’s rule, I would mix the following three ingredients into the recipe for asset allocation and dealing with risk: — Mr. Bogle’s “Age in Bonds” sugges...
by cinghiale
Mon Dec 24, 2018 12:50 pm
Forum: Investing - Theory, News & General
Topic: Is there a Nassim Taleb portfolio?
Replies: 38
Views: 4366

Re: Is there a Nassim Taleb portfolio?

I suspect Taleb would prefer you reposition your view of life and fulfillment than go thrashing around trying to mimic his investment strategy. Here’s a little something in the spirit of the season: Google “Taleb” and “flaneur.” Rummage around on what Taleb had written about life, leisure, reading, ...
by cinghiale
Fri Dec 14, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19523

Re: Favorite Purchase of 2018?

The cruise of a lifetime. It isn’t happening until 2020, but we locked it in this year. And are slowly, slowly, whittling away at the payment for it. A total of 49 days along the west coast of Central and South America, around Cape Horn, and finishing in Rio de Janiero. “This is gold, Jerry. Gold!”
by cinghiale
Mon Dec 03, 2018 5:25 am
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 14574

Re: Retirement itch- when did you get it?

A sabbatical year provided a nice “test drive” of retirement, and tipped the first domino toward wanting to retire. I was 49. It took just over ten years to feel good about our savings-to-spending equation, lock in health benefits through the state system, and be emotionally-mentally-socially ready ...
by cinghiale
Fri Nov 30, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Marriott Starwood Security breach - 500 million guests
Replies: 26
Views: 3525

Re: Marriott Starwood Security breach - 500 million guests

A checklist of things to do if you suspect that your personal data and information were implicated:

https://www.cnbc.com/2018/11/30/how-to- ... um=twitter
by cinghiale
Fri Nov 30, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Marriott Starwood Security breach - 500 million guests
Replies: 26
Views: 3525

Re: Marriott Starwood Security breach - 500 million guests

Thank you very much for posting this. I was able to follow the link and get enrolled in the proffered protection service. Given the incremental way in which affected customers will be notified, your timely post may have allowed me to get out in front of potentially millions of applicants. Again, big...
by cinghiale
Tue Nov 27, 2018 12:11 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads Greatest Hits
Replies: 27
Views: 3714

Re: Bogleheads Greatest Hits

If by “greatest hit” we mean the most important insight, the most telling “Ah Hah!” moment that has been communicated here on the forum, I would nominate Mr. Bogle’s profound insight that reading, study, and knowledge does not, and cannot, lead to expertise in the realms of economics and investments...
by cinghiale
Mon Nov 26, 2018 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Good newsletters for speculative investments?
Replies: 14
Views: 944

Re: Good newsletters for speculative investments?

If you get the itch, look at the Stock Gumshoe website before scratching it. www.stockgumshoe.com . There’s something sobering about reading the litany of “top secret stocks” and “the next Berkshire Hathaway” pitches from the countless gurus and groups who want to make a living off your fear, greed,...
by cinghiale
Mon Nov 26, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: IHG Points
Replies: 8
Views: 936

Re: IHG Points

I forgot to mention something concerning the kinds of “premium,” “elite,” “platinum,” and “premier elite” cards that the US banks seem to dispense like Pez candies these days. These cards are particularly useful in European hotels. European credit card vendors usually do not make points offers to ne...
by cinghiale
Sun Nov 25, 2018 5:19 am
Forum: Personal Consumer Issues
Topic: IHG Points
Replies: 8
Views: 936

Re: IHG Points

Good going, JBTX . That was a goodly bunch of points in play. And you persisted, which often is the only way to find a decision-maker who will see your side of the appeal. I just signed up for the new IHG Premier card, which awards 80,000 points after spending $2000.00 over the first three months. T...
by cinghiale
Sat Nov 24, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: What’s your “barometer” for luxury purchases?
Replies: 72
Views: 5576

Re: What’s your “barometer” for luxury purchases?

midareff wrote, At 71 (next month) doing the things I want to do and seeing parts of the world I want to see while I can is my top priority... This is key. An important aspect of “delayed consumption” (economics) and/or “delayed gratification” (psychology) is that at some point one intends to consu...
by cinghiale
Sat Nov 24, 2018 3:01 am
Forum: Personal Consumer Issues
Topic: What’s your “barometer” for luxury purchases?
Replies: 72
Views: 5576

Re: What’s your “barometer” for luxury purchases?

The sample list above is a list of tangible items. Perhaps the OP wants to keep the discussion focused on things one buys and then uses on an ongoing basis. However, there are luxury choices within consumabales as well, and past threads have discussed the “buying experiences instead of things” disti...
by cinghiale
Fri Nov 23, 2018 3:28 am
Forum: Personal Finance (Not Investing)
Topic: What financial information do you share with your family and relatives?
Replies: 112
Views: 9816

Re: What financial information do you share with your family and relatives?

The OP did not include questions about net worth. That, to me, is a total no-go zone. An immediate family member asked me that years ago, I told him, and the relationship was never quite the same after. Salary? Meh. Maybe so, maybe no. My salary was readily available online (if one knew where to loo...
by cinghiale
Mon Nov 19, 2018 1:40 am
Forum: Investing - Theory, News & General
Topic: Where do you get your information? Favorite blogs/sites/resources?
Replies: 25
Views: 2697

Re: Where do you get your information? Favorite blogs/sites/resources?

WanderingDoc wrote, “I have religiously listened to ~120 of Sam Harris' podcasts from Day 1. Then I realized he is not as impartial and clear-headed as I thought. He leans heavily one way politically and it has really shown in the last few months. Also, I find a multi-millionaire begging for donati...
by cinghiale
Mon Nov 19, 2018 1:21 am
Forum: Investing - Help with Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 79
Views: 8361

Re: Current Retirees: Do you touch your principal?

For the first two years of retirement, a technical, mathematical answer was “no,” as portfolio appreciation outdistanced the withdrawal rate. But this year? Looks like portfolio returns will be flat to slightly negative. Therefore, principal will come into play. This perspective can be easily critic...
by cinghiale
Sun Nov 18, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: Where do you get your information? Favorite blogs/sites/resources?
Replies: 25
Views: 2697

Re: Where do you get your information? Favorite blogs/sites/resources?

Too much worthwhile reading out there, too little time. I’m immensely grateful for the Bogleheads page, as I use it to filter what’s out there in terms of economic and investment insights. Sometimes I’ll follow a recommended link back to a primary source, but usually I’m happy with the distillation ...
by cinghiale
Sat Nov 17, 2018 3:35 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 7 Investing Rules
Replies: 14
Views: 2503

Re: Larry Swedroe: 7 Investing Rules

Very good review of the key points. I particularly like #6, touching on loss aversion and our tendency to feed into it when we check our portfolio performance too frequently.

But... where is the 7th investing rule? The article goes from Rule #6 to the Summary. Did I miss something?
by cinghiale
Fri Nov 16, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: One food I could never give up
Replies: 33
Views: 1840

Re: One food I could never give up

Olives. And the fresh oil pressed from them.

I live in olive heaven. More than 200 varieties of olives and olive oil where I live. Each week in the central market is another adventure.
by cinghiale
Fri Nov 16, 2018 3:54 am
Forum: Investing - Help with Personal Investments
Topic: Muscular Portfolios Questions
Replies: 17
Views: 2410

Re: Muscular Portfolios Questions

This is a sidebar to the OP’s main questions, but I’m left wondering about this kind of strategy. It appears to be the opposite of the old “Dogs of the Dow” system, where you buy the five highest yielding Dow stocks at a set point each year. High dividends in this case indicate value, and perhaps re...
by cinghiale
Wed Nov 14, 2018 3:49 am
Forum: Personal Finance (Not Investing)
Topic: rule of thumb for using HSA funds?
Replies: 40
Views: 3436

Re: rule of thumb for using HSA funds?

Not sure this answers TropikThunder’s question, but I’m under the impression that you can accumulate medical, dental, pharmacy receipts for an unlimited number of years and then do a large, one-time reimbursement. The main thing is to have the receipts on hand in case of an audit. And, of course, yo...
by cinghiale
Tue Nov 06, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10845

Re: This man can predict when bubbles burst: time to time the market?

steve321 wrote, Unlike many people who appear in the media with this kind of claims and who are clearly frauds, Sornette is a Professor at ETH in Zurich, which is one of the top universities in Europe (at least I hope so as I am spending a fortune on my daughter's education at ETH, though not under...
by cinghiale
Tue Oct 30, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 119
Views: 19887

Re: New retirees: so whatdayathink ?

2015 wrote, I am in paradise. It doesn't get any better than this. Really. Sign me on for this. OK, this is an odd coincidence. Upthread, member 2015 wrote something (on April 21) that I responded to the following day. Here I go quoting 2015 again. These first three years of retirement have witness...
by cinghiale
Tue Oct 30, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4906

Re: Calculating ROI for PhD

Very good responses so far. My bit... if you don’t have some passion for the deeper dive into your discipline, skip it. You are right around the same I age I was when I grappled with the same decision. Stepped off the employment track, began graduate studies at age 35, and got the PhD at age 40. I l...
by cinghiale
Fri Oct 26, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4944

Re: What Memberships/Subscriptions Are Most Valuable To You?

Not the only one, but because it hasn’t been mentioned yet: Chase Sapphire Reserve credit card. If you can absorb the initial $450.00 annual fee, you then get credit for $300.00 of travel each year. (Card now costs only $150.00 per year.) Plus, it includes a Priority Pass membership. If you are a fr...
by cinghiale
Fri Oct 26, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8312

Re: What's everyone currently in?

I suspect the question includes/implies something like, “What’s everyone currently in given the long-term uptrend of the stock market and the current breathtaking nosedives of the same?” Our asset allocation incorporates a variation of Bill Bernstein’s “Liability Matching Portfolio.” At present, tha...
by cinghiale
Wed Oct 24, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: What keeps you up at night?
Replies: 56
Views: 6179

Re: Retirees: What keeps you up at night?

Silk McCue wrote, I regret that folks choose to bring up such discussions knowing that those that disagree really can't respond. It doesn't do anything to add to the conversation at hand and is self serving. A little overreaction? This thread was not titled “What are your hardcore convictions?” The...
by cinghiale
Wed Oct 24, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: What keeps you up at night?
Replies: 56
Views: 6179

Re: Retirees: What keeps you up at night?

David Jay wrote, And I remember the discussions about the coming Ice Age when I was in college in the 1970s. Winter '76 was really ugly, walking to class from off-campus housing. Well, maybe. We must be careful with any kind of estimate based on computer modeling. I’ve read and enjoyed Matt Ridley’...
by cinghiale
Wed Oct 24, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12471

Re: 'Smart money' bailing on the market, time to get out?

I’m left wondering if “Smart Money” is able to spell Warren Buffett’s name correctly.

If I had a dollar for every time I see his name spelled like a food spread at a restaurant...
by cinghiale
Sun Oct 14, 2018 5:11 am
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 6155

Re: Neighbor discussing finances with me

I really like arcticpineapplecorp’s advice upthread. It’s a way to be involved without being intrusive . No matter how you cut it, offering unsolicited advice is an intrusive act. And a high-risk one. Asking questions and having the patience and discipline to not fill in the uncomfortable silences d...