Search found 1205 matches

by cinghiale
Wed Nov 06, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: For those who fly often
Replies: 14
Views: 3272

Re: For those who fly often

A moderator just chimed in with, Please stick with the original question. If you have a suggestion for neck pillow then share. Topic is not about paying for first class. I do not concur with the “level of generality” imposed by that reply. This discussion is about personal bodily comfort during air ...
by cinghiale
Tue Sep 17, 2019 2:55 am
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 4738

Re: Seasoned retirees...

Not yet ten years into retirement, but far enough along the way to reflect on this. I would add to the fine comments already posted that there’s great satisfaction in recognizing what one has been freed from having to do in retirement. I have referred to this in past posts as “negative freedom,” the...
by cinghiale
Sat Sep 14, 2019 9:31 am
Forum: Spain
Topic: Retirement - Spain or Portugal?
Replies: 36
Views: 5294

Re: Retirement - Spain or Portugal?

Curious1 asked, I have some questions regarding your plan. As you can only stay in a Schenngen country for 90 days w/o a long stay visa, and you only plan to return to the US for 30-45 days, where will you spend the remaining time? I know that there are other non- Schenngen European countries that ...
by cinghiale
Sat Sep 14, 2019 9:16 am
Forum: Investing - Theory, News & General
Topic: Attempt At Humor
Replies: 1
Views: 709

Re: Attempt At Humor

Hoo, boy... As a Mediterranean diet kinda-sorta adherent, I have some leanings toward a healthy, plant-based eating lifestyle. But the unabashed cashing in on a trend and the considerable self-regard displayed in justifying the fund’s “healthy” .60% expense ratio is groan-worthy stuff. To wit: ”With...
by cinghiale
Sun Jul 21, 2019 12:44 pm
Forum: Spain
Topic: Retirement - Spain or Portugal?
Replies: 36
Views: 5294

Re: Retirement - Spain or Portugal?

martiansteeler wrote: I don’t think the comparison of Madrid to Indy is fair. Firstly, Madrid is a dry heat. Secondly...wine is a heck of a lot cheaper. Thirdly, it doesn’t snow. I won’t go on. OK... I shot from the hip on the Indianapolis comparison. But Madrid does get snow every now and then, an...
by cinghiale
Sun Jul 21, 2019 12:06 pm
Forum: Spain
Topic: Retirement - Spain or Portugal?
Replies: 36
Views: 5294

Re: Retirement - Spain or Portugal?

Any consideration of living in Spain fewer than 183 days each year? You could then live where you want (Madrid is big and expensive, with hot summers and cold winters... think Indianapolis) and be unbothered by having to file either Spanish income or wealth taxes. Our current strategy, now four year...
by cinghiale
Tue Jun 04, 2019 8:28 pm
Forum: Personal Investments
Topic: "Skin in the Game," Taleb, $2.99 Kindle deal
Replies: 3
Views: 710

Re: "Skin in the Game," Taleb, $2.99 Kindle deal

Thank you. I’ve read most of Taleb, and appreciate his insights. So often, Kindle prices are actually higher than the print versions. This is an exceptionally good price for the Kindle version. Appreciate the heads-up, nisiprius.
by cinghiale
Wed May 22, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: I evaluated taking SS at age 62 versus age 70
Replies: 67
Views: 5458

Re: I evaluated taking SS at age 62 versus age 70

smitcat wrote, In my opinion analyzing when to take SS without taking into consideration things like the ACA, Roth conversions and your overall tax situation will not optimize your plan or future position. Additionally you are too far off in time to spend much time on these calculations. ^^^^That. ...
by cinghiale
Fri Apr 26, 2019 1:52 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Does Money Buy Happiness?
Replies: 37
Views: 2489

Re: Larry Swedroe: Does Money Buy Happiness?

Money can enable one to say “no” to things that are purposeless, or unhealthy, or stressful, or soul destroying, or not in line with one’s values. This is “negative freedom,” freedom from having to waste one’s life energy on stuff one does not want to do. Now three years into retirement, I find that...
by cinghiale
Wed Apr 24, 2019 1:08 pm
Forum: Forum Issues and Administration
Topic: Two pet peeves: Signatures and quoting pages of text
Replies: 20
Views: 2116

Re: Two pet peeves: Signatures and quoting pages of text

I’m curious about what it is about signatures— any signatures really— that has you thinking that they come across as an “equivalent of speaking because you like the sound of your own voice.” I can see where you might find some signatures banal or overused, but how does attaching a quote or two that ...
by cinghiale
Sun Apr 21, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 7429

Re: After financial independence, do you play credit card bonus games?

VictoriaF wrote: I used to ignore hotel points, because I stayed either in conference hotels, over which I didn't have a choice, or in hostels. Then I started staying at airport hotels the nights before early flights to avoid early rising, and hotel points became of practical value. Smart lady. Bot...
by cinghiale
Fri Apr 19, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 7429

Re: After financial independence, do you play credit card bonus games?

Yes. It’s an effort. Granted. But the cost-benefit calculation skews strongly in favor of “the game.” I carefully use and manage Chase Sapphire Reserve, a truly amazing card. It takes $450.00 per year, but then there’s a $300.00 travel credit, travel insurance coverage, Priority Pass membership for ...
by cinghiale
Fri Apr 19, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Get the best deal for your cruise: Whole Food, Plant Based
Replies: 14
Views: 2253

Re: Get the best deal for your cruise: Whole Food, Plant Based

You may want to check out this April 9th notice from Oceania cruise lines: https://www.oceaniacruises.com/oceania-experience/post/finest-cuisine-seatm/new-plant-based-menus-aboard-our-ships We, also Michael Greger, nutritionfacts.org types, are thrilled with this move WFPB cuisine on a cruise line t...
by cinghiale
Fri Apr 19, 2019 6:22 am
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 80
Views: 5933

Re: In which companies do you own a single share, or token amount, of stock?

MJS mentioned, Cruise line shares, to get the free on-board credit. We hold the minimum amount of Norwegian Cruise Line (NCLH) shares (100) necessary for the onboard credit perk. At the original $50.00 per share purchase price (it’s now at $57.00), the $100.00 onboard credit works out to a 2% divid...
by cinghiale
Wed Apr 03, 2019 11:51 am
Forum: Personal Investments
Topic: I bought a stock for the first time.
Replies: 66
Views: 4382

Re: I bought a stock for the first time.

Curiouser and curiouser for someone with 700+ posts.
by cinghiale
Wed Apr 03, 2019 11:41 am
Forum: Personal Investments
Topic: I bought a stock for the first time.
Replies: 66
Views: 4382

Re: I bought a stock for the first time.

jrbdmb wrote, I have to confess too ... after being exclusively in index funds for years, I recently bought two shares of BRKB (Berkshire Hathaway Class B, appr. $199/each). I felt kinda yucky doing it, but I did save 8% on my GEICO auto insurance as a result. :happy That’s different, and many devo...
by cinghiale
Mon Mar 18, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: What are the purposes of your travels?
Replies: 60
Views: 4020

Re: What are the purposes of your travels?

I travel to connect to the past and to uncover how previous generations and peoples sought meaning, beauty, and happiness in life. That means new locales, new foods, new ventures out of the comfort zone, new ways of understanding. My travels have taught me a degree of “travel humility.” There are on...
by cinghiale
Mon Mar 18, 2019 12:28 pm
Forum: Investing - Theory, News & General
Topic: Favorite investment quote
Replies: 73
Views: 4593

Re: Favorite investment quote

My most oft-quoted line in this forum remains a favorite:

“It is difficult to get a man to understand something when his salary depends upon his not understanding it.”

—Upton Sinclair
by cinghiale
Mon Mar 04, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9662

Re: Why do you live where you live?

Wow. 75 posts and, as best as I can tell, all US-based. Time for a little international flavor. On the Mediterranean (see “Location”——>). Outstanding blue flag beaches, the wine, the olive oil, the food, the balance of work with the enjoyment of life, the communitarianism, thee commitment to the env...
by cinghiale
Tue Feb 26, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Is the Chase Sapphire Preferred card any good?
Replies: 61
Views: 4434

Re: Is the Chase Sapphire Preferred card any good?

I see that now. Thanks.

But what about the 50% value increase for points used for travel? That, in effect, turns the 2x point awards into 3x point awards.
by cinghiale
Tue Feb 26, 2019 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is the Chase Sapphire Preferred card any good?
Replies: 61
Views: 4434

Re: Is the Chase Sapphire Preferred card any good?

deltaneutral83 wrote. There are pros that have expert level knowledge on credit cards and have posted as such over there on FT, wikis upon wikis (just like here!) which are much more organized for the masses. My concern was that the OP would make a decision based off seeing some (glaringly) incorre...
by cinghiale
Tue Feb 26, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Is the Chase Sapphire Preferred card any good?
Replies: 61
Views: 4434

Re: Is the Chase Sapphire Preferred card any good?

Check and see if Chase Sapphire Preferred has the same travel arrangement as Chase Sapphire Reserved: 3 points are given for each dollar spent on travel and dining and a 50% value increase comes with using points for travel. That, with the very generous initial bonus (I got in on the first 100K offe...
by cinghiale
Mon Feb 25, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 12581

Re: Why Working as a Senior Male is Wise...

2015 wrote, I find these "studies" highly suspect. Self-generative individuals do not need to work. I have entirely too much life to do and not enough time to do it in to work. I would add that there’s some evidence/indication that those who tend more toward introversion do better in retirement tha...
by cinghiale
Wed Feb 20, 2019 10:52 am
Forum: Personal Investments
Topic: Moving money from financial advisor...
Replies: 31
Views: 1794

Re: Moving money from financial advisor...

Some excellent replies thus far. Taken in tandem, you already have some powerful perspectives to help you get a clear line of thought on what this arrangement actually is . Money, and our relationship to it, simply has a different feel. That’s why Richard Thaler’s concept of “mental accounting” is s...
by cinghiale
Fri Feb 15, 2019 2:38 pm
Forum: Investing - Theory, News & General
Topic: Wellesley’s Secret Sauce to Remain Secret
Replies: 26
Views: 6765

Re: Wellesley’s Secret Sauce to Remain Secret

Thanks, all, for the variety of well thought-out replies. I was gratified to see Wellesley’s performance via the SEC filings as posted by bklyn96 . At the same time, I’m left both perplexed and frustrated as to why Vanguard’s research department needed weeks to answer my inquiry with a toss-away “we...
by cinghiale
Fri Feb 15, 2019 4:33 am
Forum: Investing - Theory, News & General
Topic: Wellesley’s Secret Sauce to Remain Secret
Replies: 26
Views: 6765

Re: Wellesley’s Secret Sauce to Remain Secret

A schedule of holdings is not the same as fund performance. You link to the full listing of the stocks that Wellesley Income holds. That’s not the same as how that basket of stocks has performed, year to year. My original and ongoing question (the “secret sauce” question) is one of outperformance. D...
by cinghiale
Fri Feb 15, 2019 3:18 am
Forum: Investing - Theory, News & General
Topic: Wellesley’s Secret Sauce to Remain Secret
Replies: 26
Views: 6765

Wellesley’s Secret Sauce to Remain Secret

Back in 2014, I opened up a conversation about Wellesley Income, asking whether its equity component outperformed similar, equity-only funds (including the Value Index, Equity Income, Dividend Growth, and Total Stock funds for the sake of comparison and evaluation). See that thread here: https://www...
by cinghiale
Sat Feb 02, 2019 12:23 pm
Forum: Personal Investments
Topic: vanguard total market index funds
Replies: 5
Views: 474

Re: vanguard total market index funds

OP, Could you clarify and expand upon a few things? How much did you invest a year ago? What percentage of that amount is $300.00? (It is $300.00, right? Not $3000.00 or $30,000.00 or $300,000.00?) You joined the forum about a year and a half ago. I suspect you have read enough to know that you shou...
by cinghiale
Wed Jan 30, 2019 11:17 am
Forum: Investing - Theory, News & General
Topic: Unconventional investment choices
Replies: 86
Views: 7762

Re: Unconventional investment choices

james22 wrote, cinghiale wrote, 2015 wrote, I don't know if it's against any "recommendation", but I've stopped reading virtually everything related to investing. Living out an addiction to never ending financial noise causes one to miss the forest for the trees, the trees being the totality of the...
by cinghiale
Mon Jan 28, 2019 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?
Replies: 108
Views: 7889

Re: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?

ralph124cf wrote, I have been retired five years, and our spending is approximately 160% of our preretirement spending. More time to do fun things. Pretty much this^^^^^, three years into retirement. The desire to travel, see, do, experience, learn, enjoy, grow, and encounter is primary at this poi...
by cinghiale
Mon Jan 28, 2019 9:51 am
Forum: US Chapters
Topic: How Did You End Up Here?
Replies: 65
Views: 5693

Re: How Did You End Up Here?

I joined more than 11 years ago. How and why and when? It happened in the aftermath of a kick in the seat of the pants. I had a standard brokerage account and, if asked, would have told you that “my guy” was doing well by us. In the late summer of 2007 he suggested that we sell out of the Pilgrim Pr...
by cinghiale
Mon Jan 28, 2019 1:44 am
Forum: Investing - Theory, News & General
Topic: Unconventional investment choices
Replies: 86
Views: 7762

Re: Unconventional investment choices

2015 wrote, I don't know if it's against any "recommendation", but I've stopped reading virtually everything related to investing. Living out an addiction to never ending financial noise causes one to miss the forest for the trees, the trees being the totality of the complex adaptive system humans ...
by cinghiale
Fri Jan 25, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: No Children, what will your legacy be?
Replies: 118
Views: 9494

Re: No Children, what will your legacy be?

bluquark wrote, Oceana is one such charity doing this which I have donated to: https://oceana.org//our-campaigns/plastics/campaign . Note that their remit is not narrowly pollution but also overfishing and other threats to the ocean. Thanks for this! Now I have two organizations to look into. Thank...
by cinghiale
Fri Jan 25, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: No Children, what will your legacy be?
Replies: 118
Views: 9494

Re: No Children, what will your legacy be?

Agree with those who encourage linking bequests to current ethical/moral/social/economic/transcendent priorities and concerns. We have written into our estate plan the same groups we have supported over the long term, such as Direct Relief International (world hunger and disaster relief), Mercy for ...
by cinghiale
Wed Jan 23, 2019 8:43 am
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 52
Views: 5292

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: 9380

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: 4850

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: 5241

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: 5241

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: 4850

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: 5241

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: 5241

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: 6639

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: 4850

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: 714

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: Personal Investments
Topic: Fidelity Small-cap value fund
Replies: 29
Views: 3058

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: Personal Investments
Topic: New Boglehead - Am I on the right track?
Replies: 4
Views: 390

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: Personal Investments
Topic: Fidelity Small-cap value fund
Replies: 29
Views: 3058

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: 6293

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: 4835

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...