Search found 1104 matches

by cinghiale
Sun Jun 17, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: How do you read books?
Replies: 15
Views: 1275

Re: How do you read books?

If you are asking about the dynamics of reading, may I suggest this short, fun, and informative book? https://www.amazon.com/Little-Guide-Your-Well-Read-Life/dp/1929154178/ref=sr_1_1?s=books&ie=UTF8&qid=1529246339&sr=1-1&keywords=Steve+leveen Steve Leveen discusses previewing a book, the joys of sid...
by cinghiale
Sun Jun 17, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Beginner's first stock suggested purchase
Replies: 5
Views: 252

Re: Beginner's first stock suggested purchase

If you have taken some time to read topics and threads in this forum, may I politely ask why you posed such a question? If you haven’t taken the time to rummage around and read a few dozen threads relating to investment theory here, may I suggest that you do? Then you may have some better perspectiv...
by cinghiale
Fri May 11, 2018 7:21 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 67
Views: 3784

Re: TIAA Real Estate

folkher0 wrote, Stocks or bonds go up and down, TIAA real estate just chugs along slowly. Like a steamroller. I’d be careful with this claim. Look at the 10 year chart. Look at late 2008 and 2009. The fund has done very nicely since, but took a significant hit during that period right alongside sto...
by cinghiale
Thu May 03, 2018 1:40 pm
Forum: Investing - Theory, News & General
Topic: Navigating the dark side of capitalism
Replies: 19
Views: 1516

Re: Navigating the dark side of capitalism

BogleMelon wrote, Only one way to do so: don't buy their product/service I would add something to this. You can also become vocal and active in opposing a company and a particular product made by a company. I have no interest in getting this thread locked, so I’ll refrain from naming a particular c...
by cinghiale
Thu May 03, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 55
Views: 6558

Re: Starting to smell like buying season?

I’m currently re-reading Larry Swedroe’s Investment Mistakes Even Smart Investors Make . It’s early in the review... only up to Mistake #19 (out of 77 total). Maybe someone with a better recollection of this book can provide a reminder. I know this falls in to “mistake” territory, but can’t figure o...
by cinghiale
Thu Apr 26, 2018 4:05 pm
Forum: Investing - Theory, News & General
Topic: White Coat Investor Interviews Paul Merriman
Replies: 37
Views: 6593

Re: White Coat Investor Interviews Paul Merriman

Please specify. “A certain undercurrent.” If you mean that “the best we can come up with” is sometimes treated as chiseled-in-stone revealed truth, I’ll agree with you. But the main current I get here is the joy and relief of escaping high fees, crappy funds, chaotic portfolios, and semi-competent f...
by cinghiale
Thu Apr 26, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: White Coat Investor Interviews Paul Merriman
Replies: 37
Views: 6593

Re: White Coat Investor Interviews Paul Merriman

And this within the link just provided: Explanation: Richard Dawkins certainly knows about evolution, and he can confidently tell us that it is true, but that doesn't make it true. What makes it true is the preponderance of evidence for the theory. I do believe that Taylor quotes the experts not as ...
by cinghiale
Thu Apr 26, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: White Coat Investor Interviews Paul Merriman
Replies: 37
Views: 6593

Re: White Coat Investor Interviews Paul Merriman

Thank you, Mr. Merriman, for taking the time to write such a gracious and thoughtful apologia.
by cinghiale
Thu Apr 26, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 11559

Re: New retirees: so whatdayathink ?

barry2ipa asked, Question: Maybe i am being paranoid - but i wanted a somewhat rigorous plan for the 1st year of retirement. My wife wants to just take 6 months to relax and then figure out things. My worry is that i dont want us to get into a habit of not making the most of each day. This may be a...
by cinghiale
Thu Apr 26, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 11104

Re: Larry Swedroe: Financial Perils Of Old Age

Apropos of the Atlantic article cited upthread, here’s another important contribution to the topic. The title is “How Doctors Die.” This was mentioned in a past thread, but it’s worth highlighting again:

https://www.nytimes.com/2013/11/20/your ... s-die.html
by cinghiale
Mon Apr 23, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 11559

Re: New retirees: so whatdayathink ?

md&pharmacist wrote, I can retire tomorrow at age 45 but have no desire to do so. I know that when I do retire, that will include more volunteer work. I currently volunteer at a free clinic one day a month and it feels the most rewarding to me. I also mind the example I set for my children if I ret...
by cinghiale
Sun Apr 22, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 11559

Re: New retirees: so whatdayathink ?

Now almost 2.5 years out from under the job. All has been good. I find some way to give thanks every day for the personal freedom that comes with retirement. The biggest surprise? It is tied to freedom: I’ve been surprised how fiercely I value negative freedom ; that is, the freedom not to do things...
by cinghiale
Thu Apr 19, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Perks of Owning Certain Individual Stocks
Replies: 28
Views: 3399

Re: Perks of Owning Certain Individual Stocks

02nz wrote, One thing to offer perks for shareholders, but if they're actually enticing cruise passengers to buy their stock with beverage credits, that seems like a cheap trick by management to increase their own compensation, which is almost certainly tied to stock price. Apologies here. In the i...
by cinghiale
Wed Apr 18, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Perks of Owning Certain Individual Stocks
Replies: 28
Views: 3399

Perks of Owning Certain Individual Stocks

Hello, All. Recently I booked a 21 day cruise with Norwegian Cruise Lines. A few years ago we booked a shorter cruise, and somewhere in the process we were encouraged to buy 100 shares of Norwegian Cruise Lines Holdings (ticker: NCLH). That minimum share holding entitled us to $100.00 of shipboard c...
by cinghiale
Sun Apr 15, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: GUNR , your thoughts and opionions please [FlexShares Morningstar® Global Upstream Natural Resources]
Replies: 4
Views: 334

Re: GUNR , your thoughts and opionions please [FlexShares Morningstar® Global Upstream Natural Resources]

Well, here’s what you would be getting. Expense ratio for the fund appears to be .46%. Top 10 Holdings (36.41% of Total Assets)Get Quotes for Top Holdings Name Symbol % Assets Exxon Mobil Corp XOM 5.07% Monsanto Co MON 4.79% Chevron Corp CVX 3.96% BHP Billiton Ltd BHP.AX 3.93% Nutrien Ltd NTR.TO 3.6...
by cinghiale
Sat Apr 07, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4464

Re: Is it very hard to learn Spanish?

OP,
How old are you? (Serious question here.). And just how much within an average day are you obligated to think and speak in English?
by cinghiale
Sat Apr 07, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Current Thinking About TIAA Real Estate?
Replies: 18
Views: 1367

Re: Current Thinking About TIAA Real Estate?

beardsworth wrote, cinghiale, suggest you look at Morningstar's TIAA discussion forum, where not a week passes (and, it seems, sometimes not a day) without a discussion of this vehicle. Just look down the current previous thread title pages for TREA (TIAA Real Estate Account) and other discussions ...
by cinghiale
Sat Apr 07, 2018 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Current Thinking About TIAA Real Estate?
Replies: 18
Views: 1367

Current Thinking About TIAA Real Estate?

Do those who hold TIAA Real Estate (Ticker: QREARX) or who watch it have any thoughts about its performance vis-a-vis most other REIT funds over the past few years? I just reviewed a lengthy discussion from 2013 (See at https://www.bogleheads.org/forum/viewtopic.php?p=1897019#p1897019 ) and was stru...
by cinghiale
Mon Mar 12, 2018 2:24 am
Forum: Personal Consumer Issues
Topic: structured vs. unstructured time in retirement
Replies: 18
Views: 2265

Re: structured vs. unstructured time in retirement

Good topic. Good, thoughtful responses. Thanks to all thus far. Most retirement discussions include two important points of wisdom/common sense: Everyone does it differently, and there will be varied seasons in retirement. For the former, it’s a matter of “know thyself.” For the latter, it helps be ...
by cinghiale
Sun Mar 11, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: PedalPub investment
Replies: 22
Views: 2133

Re: PedalPub investment

stemikger nailed it: liability.

Here’s a classic Monty Python and the Holy Grail line worth considering: “Run Away, Run Away...”
by cinghiale
Sun Mar 11, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Something weird this day came
Replies: 22
Views: 2804

Re: Something weird this day came

Yooper wrote: Hints of the "Red-Headed League".......... And an_asker replied, I thought this sounded like the beginning of a Sherlock Holmes mystery as well!! But wait... there’s more. Look at Spirit Rider’s thread title. Let this affair end up more A. Conan Doyle and less Ray Bradbury... or Macbe...
by cinghiale
Sat Mar 10, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Dumped My Advisor, Now What?
Replies: 77
Views: 5389

Re: Dumped My Advisor, Now What?

Am I the only one getting the “chasing the rabbit around the field” sense of this thread? I still don’t think the OP understands the difference between the 3-fund portfolio— (total US stock, total international stock, total US bond, which allows full participation in almost 10,000 publicly traded co...
by cinghiale
Sat Mar 10, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Auto Issue Out now
Replies: 48
Views: 4932

Re: Consumer Reports Auto Issue Out now

What kind of evaluations is the Toyota RAV4 getting?

(Just allowing the Jeep owners to take a quick breather...)
by cinghiale
Mon Feb 26, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: In Praise of Classic Works on Kindle
Replies: 20
Views: 1581

Re: In Praise of Classic Works on Kindle

A quick aside... Dan Ariely and Daniel Kahneman, among others, would have some fun with the thread this far. If the topic concerned a question or comment about a book or product priced at $27.95 instead of $28.95, it would likely attract little interest and would likely go unanswered. A one dollar d...
by cinghiale
Mon Feb 26, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: In Praise of Classic Works on Kindle
Replies: 20
Views: 1581

Re: In Praise of Classic Works on Kindle

Pajamas wrote, There are actually a LOT of free books for Kindle, you just have to know how to look for them. Use the left-hand menu to navigate by category. https://www.amazon.com/Best-Sellers-Kin ... =UTF8&tf=1 One caution: Books can go from being free to pay but still appear on the free list for...
by cinghiale
Mon Feb 26, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: In Praise of Classic Works on Kindle
Replies: 20
Views: 1581

Re: In Praise of Classic Works on Kindle

Good point.

But I like highlighting and making notations. Kindle allows that. And, for a mere 99 cents (well... OK... $1.06 with state taxes), the work remains “on my shelf” and always available. A mighty small price to pay.
by cinghiale
Mon Feb 26, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Thanks Bogleheads
Replies: 6
Views: 1040

Re: Thanks Bogleheads

This is excellent, John. Short, clear, concise, doable. A just-right roadmap for “Staying the Course.” If temptation whispers market-beating, brag-to-your-brother-in-law, in-on-the-next-big-thing! sweet nothings in your ear, look up Taylor Larimore’s gems— his “best of” quotes from dozens of investi...
by cinghiale
Mon Feb 26, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: In Praise of Classic Works on Kindle
Replies: 20
Views: 1581

In Praise of Classic Works on Kindle

Hello, All. There have been quite a few posts over the years about frugality, and what members are currently reading, and where to find bargains, and living the good life, and of the kinds of enlightenment and wisdom that can be found along the way. Here’s something that combines all of the above: C...
by cinghiale
Mon Feb 26, 2018 11:45 am
Forum: Local Chapters and Bogleheads Community
Topic: Nisiprius at 35,000 posts
Replies: 60
Views: 5138

Re: Nisiprius at 35,000 posts

The Wizard wants to take you out to lunch.

If you both go to the Causeway, can I come too?
by cinghiale
Sun Feb 25, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Goldman Sachs says...
Replies: 13
Views: 1965

Re: Goldman Sachs says...

Subtext:

“You, Mr. and Ms. Investor, need the expertise of Goldman Sachs to guide you through what could be some perilous periods in the stock market. Entrust us with your savings, because this isn’t something you can or should try to do on your own.”
by cinghiale
Sun Feb 25, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Dislikes Bonds
Replies: 57
Views: 6996

Re: Warren Buffet Dislikes Bonds

At the risk of heaping it on... Warren Buffett is a stock guy. His comments include an important qualifier: Bonds may not be a a good choice for a long term investor. Note: “There is simply no telling how far stocks can fall in a short period,” Buffett said. “As an investor’s investment horizon leng...
by cinghiale
Sun Feb 25, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Motley Fool and next big iPhone technology
Replies: 11
Views: 1108

Re: Motley Fool and next big iPhone technology

After a whopping four minutes of investigation... Check out this entry on Stock Gumshoe: https://www.stockgumshoe.com/reviews/motley-fool-rule-breakers/fools-what-every-apple-investor-must-see-before-2018-pitch/ The highlights: So what’s the stock? Thinkolator sez we’re again being teased with Unive...
by cinghiale
Sun Feb 25, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Motley Fool and next big iPhone technology
Replies: 11
Views: 1108

Re: Motley Fool and next big iPhone technology

Take a look at Travis Johnson’s always entertaining Stock Gumshoe. https://www.stockgumshoe.com/ He examines the teaser ads from the newsletter and stock advisory services, and has an impressive track record of identifying the “next greatest... whatever” recommendation. He get’s quite a few Motley F...
by cinghiale
Thu Feb 22, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 113
Views: 11742

Re: Florida in the summer

I do not remember this thread from 2015. Thanks for bringing it back to everyone’s attention. Good input on lifestyle choices, adaptation to heat and cold, and some (bonus) intriguing viewpoints on the kinds of cognitive biases that may seep into conversations such as these. I had four years in Nort...
by cinghiale
Sun Feb 18, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Indexing"
Replies: 19
Views: 6986

Re: What Experts Say About "Indexing"

BogleMelon asked, Is there a typo here? 2016 is only 2 years ago! Yes, of course there is. I think the Index 500 fund debuted in 1976. That would sound right for the “forty years later” language at the end of the quote. That said, thanks for reviving this thread. It never hurts to read key quotes f...
by cinghiale
Sat Feb 10, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Income performance
Replies: 16
Views: 2646

Re: Wellesley Income performance

We’re really having a discussion about six weeks of performance? And we’re drawing meaningful conclusions from the data?

Really?

Kahneman and Tversky’s “Law of Small Numbers” is obviously alive and well.
by cinghiale
Fri Feb 02, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: Motley Fool ETF Debuts (TMFC)
Replies: 11
Views: 1974

Re: Motley Fool ETF Debuts (TMFC)

Note the word “index” in the title of the ETF.

They have obviously done their homework on how to best market this new offering.

This isn’t an index.
But index funds are hauling in impressive and increasing percentages of new money with each new month.
“Hey, let’s call it an index...”
by cinghiale
Thu Jan 25, 2018 2:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4915

Re: Happy Birthday, Taylor!

Seconded!

I want to be where you are when (yes, when!) I’m in my tenth decade of life.

Immense thanks for your profound influence on the lives of thousands who frequent and participate in this forum.
by cinghiale
Thu Jan 25, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat the urge to spend?
Replies: 68
Views: 4170

Re: Strategies to combat the urge to spend?

I would advise you to read the classic Your Money or Your Life by Vicki Robin and the late Joe Dominguez. Skip the later chapter or two on investments. Focus on the core principles, such as “Money is something we choose to trade our life energy for.” Let that sink in. If you opt for the book, get th...
by cinghiale
Tue Jan 23, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Happiness literature recommendations
Replies: 6
Views: 892

Re: Financial Happiness literature recommendations

I’m not sure what you mean by “Financial Happiness.” There are important and worthwhile books out there on happiness, and then there are other important and worthwhile books on human behavior and finances. In the former category, Daniel Gilbert’s Stumbling on Happiness is outstanding. (There’s also ...
by cinghiale
Tue Jan 23, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: Anyone Pulled the Trigger on Global Wellington/Wellesley?
Replies: 16
Views: 4310

Re: Anyone Pulled the Trigger on Global Wellington/Wellesley?

This thread has turned out to be a total yawner. Admittedly, folks here are not a typical or representative lot. But would both Global Wellington and Global Wellesley be dying of (funding) starvation if they were dependent on the participation of Bogleheads? Anyone interested but not “in” yet? Waiti...
by cinghiale
Tue Jan 23, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard’s Principles
Replies: 2
Views: 340

Re: Vanguard’s Principles

JackFFR1846 wrote, Something that could help, I think: Transparency: Although not legally required, disclose the compensation of all Vanguard directors and executives. I would think that Vanguard’s expense ratios provide an acceptable surrogate for some grand effort at transparency. The total bond ...
by cinghiale
Tue Jan 23, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 58
Views: 6630

Re: Expat Living

Replies are going to be region specific. For Western Europe: Pros: — Food, culture, climate. (At least where I am.) — More equitable social systems. — An easy flight back to the US for visits and emergencies. — At present (though rapidly changing, and not for the good), an attractive currency exchan...
by cinghiale
Tue Jan 23, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 61
Views: 5468

Re: Which tropical Island to Retire to ?

Valuethinker wrote: By American standards, I find the Mediterranean coasts overdeveloped. Suburbs-by-the-sea. France & Spain the worst. Italy. Greece is better, perhaps Yugoslavia. Beware the issue of refugees landing, and of future conflicts (Greece Turkey, mostly). Portugal better still, but that...
by cinghiale
Tue Jan 23, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: Nassim Taleb on Bitcoin
Replies: 21
Views: 3677

Re: Nassim Taleb on Bitcoin

Not much opinion here. Unusually low-key for Taleb.
by cinghiale
Tue Jan 23, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 61
Views: 5468

Re: Which tropical Island to Retire to ?

Do peninsulas count? Picking up on what RadAudit wrote, I would look at Iberia: Portugal and Spain. European infrastructure, amenities, and health care. The climate of the French Riviera, with an abundance of blue flag beaches (clean water, well maintained). Abundant fresh produce and fruit. Mediter...
by cinghiale
Sun Jan 21, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 6276

Re: Laughter is the Best Medicine - What makes you Laugh?

I was scrolling down this thread and realized that Fawlty Towers hadn’t been mentioned, and that such an oversight had to be remedied. But then came Dottie57 to the rescue, and bertilak right behind her. “The Germans” was splendid. But, pride of place belongs to “Communication Problems,” with the in...
by cinghiale
Sun Jan 21, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: Anyone Pulled the Trigger on Global Wellington/Wellesley?
Replies: 16
Views: 4310

Anyone Pulled the Trigger on Global Wellington/Wellesley?

I was doing some New Year’s tidying of my portfolio this weekend, and decided to place some funds (5% of the total portfolio) into the new Global Wellington fund (VGWAX). I’ve seen little mentioned about either Global Wellington or Global Wellesley here on the forum since some initial questions were...
by cinghiale
Tue Jan 16, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: The Free market Takes care of itself. EJ loses
Replies: 14
Views: 1674

Re: The Free market Takes care of itself. EJ loses

Explaining the Edward Jones success story requires the lens of psychology and sociology. If you look at numbers and percentages, it appears to be a straw man. But that really would not be a satisfying answer. We all respond positively to good customer care. We like going (back) to restaurants where ...