Search found 1144 matches

by Wildebeest
Sat May 11, 2019 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6103

Re: Continue working for benefit of adult children or retiring earlier?

My parents loved me very much (or at least that is how I perceived it), but I would not have wanted them to work one more day than they had to. I plan to work for many more years, but that is because I enjoy it. I can see that you want to continue to work to give to charity, but I can not see contin...
by Wildebeest
Sat May 11, 2019 9:03 pm
Forum: Investing - Theory, News & General
Topic: Value investing got too popular for its own good?
Replies: 14
Views: 1593

Re: Value investing got too popular for its own good?

The next thirty years will tell us.

I am dialed in on SCV and small cap emerging markets and would buy small value emerging markets if I could and I am not changing course till I hit an iceberg.
by Wildebeest
Sat May 11, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: Dale Carnegie training
Replies: 23
Views: 2500

Re: Dale Carnegie training

I did it with my son when he was 17 and he is now 30. It was a great bonding experience. I learnt a lot. I learnt a lot from my son as well.

So all around it was a great experience.
by Wildebeest
Sat May 11, 2019 8:33 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Emerging Markets Need Time
Replies: 60
Views: 4127

Re: Larry Swedroe: Emerging Markets Need Time

Larry says: "Small-value needs time...commodities need time...reinsurance needs time...complex slice and dice portfolios requiring a 1% adviser fee need time..." You know what? Times up! Taylor is right. Use a three-fund portfolio and fuggedaboutit! Rick Ferri Rick, I know that you have never favor...
by Wildebeest
Sat May 11, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 123
Views: 27064

Re: Growing old without kids or younger caring relatives

A copy of Atul Gawande's 'Being Mortal' is sitting on my bedside table and I have read and listened to it a few times. Also give it to students I teach. An wise old psychiatrist told me years ago when I was his student that the secret to happiness in old age was to have at least two daughters. Time...
by Wildebeest
Sat May 11, 2019 12:01 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Emerging Markets Need Time
Replies: 60
Views: 4127

Re: Larry Swedroe: Emerging Markets Need Time

Great article ( my confirmation bias) and I especially like the Taleb quote. I do not check the returns of DEMSX (DFA Emerging Market small cap fund). It is 25 % of our portfolio, no bonds. After 10 years it is still 25 %. I had expected a higher return so we have not been rewarded for the high ris...
by Wildebeest
Sat May 11, 2019 11:24 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Emerging Markets Need Time
Replies: 60
Views: 4127

Re: Larry Swedroe: Emerging Markets Need Time

Great article ( my confirmation bias) and I especially like the Taleb quote. I do not check the returns of DEMSX (DFA Emerging Market small cap fund). It is 25 % of our portfolio, no bonds. After 10 years it is still 25 %. I had expected a higher return so we have not been rewarded for the high risk...
by Wildebeest
Sun May 05, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: bare root trees - best place or website to purchase from?
Replies: 35
Views: 1937

Re: bare root trees - best place or website to purchase from?

The trees they sell are usually small (pencil diameter), but my favorite place for bare root non-fruit trees is my state nursery. At least for the Indiana state nursery, orders for the spring need to be put in before Thanksgiving if you want a decent selection. They sell trees in bundles of 100 or ...
by Wildebeest
Sun May 05, 2019 10:50 am
Forum: Non-US Investing
Topic: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]
Replies: 77
Views: 5621

Re: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]

Reading Eurobogle postings and the responses in the thread, I would support Eurobogle in his quest for Barista FI ( I had to google barosta FI and found this link: https://www.financialsamurai.com/what-is-barista-fire-a-hybrid-between-fat-fire-and-lean-fire/ . My take is that eurobogle has thought t...
by Wildebeest
Tue Apr 23, 2019 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: If FIRECalc shows 100% success rate, what holds you back from retiring?
Replies: 126
Views: 11559

Re: If FIRECalc shows 100% success rate, what holds you back from retiring?

I like my work and I like to think I am good at it. I should be given that I worked really hard at it for the last 40 years. So maybe I am old and not as fast as I used to be but I have seen it all and am determined. I hope to work for many more years, fingers crossed. Reading "Being mortal" by Atu...
by Wildebeest
Mon Apr 22, 2019 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: If FIRECalc shows 100% success rate, what holds you back from retiring?
Replies: 126
Views: 11559

Re: If FIRECalc shows 100% success rate, what holds you back from retiring?

I like my work and I like to think I am good at it. I should be given that I worked really hard at it for the last 40 years. So maybe I am old and not as fast as I used to be but I have seen it all and am determined. I hope to work for many more years, fingers crossed. Reading "Being mortal" by Atul...
by Wildebeest
Sun Apr 21, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Loan to employer?
Replies: 24
Views: 1795

Re: Loan to employer?

I’m the EVP of a small/mid size firm that specializes in rental and service of specialty bio-med devices to healthcare orgs. I’m an employee and have no equity or ownership stake in the company. My boss is the president and sole owner of our well established and profitable s-corp who while actively...
by Wildebeest
Sat Apr 20, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Get the best deal for your cruise: Whole Food, Plant Based
Replies: 14
Views: 2005

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

The travel agent had gotten back to us. She stated that we could only be part of Vegan tour with all the speakers with CME/CEU etc if directly booked it on line and if we booked it through her we could do the cruise have Vegan food but we would not be able to attend the speaker programs etc. So the ...
by Wildebeest
Sat Apr 20, 2019 5:36 pm
Forum: Investing - Theory, News & General
Topic: The Annuity Puzzle: Findings from a Recent Survey
Replies: 37
Views: 2851

Re: The Annuity Puzzle: Findings from a Recent Survey

I wonder if the Canadian study was skewed in the same fashion to the more educated and interested parties. I doubt it based on this observation from page 5: The prevalence of low retirement wealth: the study finds that a majority (61%) of the respondents have/expect relatively liquid retirement ass...
by Wildebeest
Sat Apr 20, 2019 12:19 pm
Forum: Investing - Theory, News & General
Topic: The Annuity Puzzle: Findings from a Recent Survey
Replies: 37
Views: 2851

Re: The Annuity Puzzle: Findings from a Recent Survey

I am somewhat surprised that their average respondent completion time was 27 minutes. I went through the questions and was just a few minutes quicker than that. I could see respondents taking time to look up data from prior years to ascertain correct answers to things like what was your income leve...
by Wildebeest
Sat Apr 20, 2019 10:01 am
Forum: Investing - Theory, News & General
Topic: The Annuity Puzzle: Findings from a Recent Survey
Replies: 37
Views: 2851

Re: The Annuity Puzzle: Findings from a Recent Survey

Thanks for the link. I am not surprised. Great survey. Fascinating results. I would love to see the same survey done for a thousand Bogleheads and see if the Bogleheads as a group have more sense (we know that Bogleheads are great savers). You would hope that education would matter. If I had any IT ...
by Wildebeest
Sat Apr 20, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house without a realtor
Replies: 49
Views: 4436

Re: Buying a house without a realtor

We have bought and sold houses without real estate agents and it worked for us. My son (Boglehead) and daughter in law used a real estate agent when they bought a very expensive house and specifically did not want to use Redfin after researching it all carefully. I think that buying a house without ...
by Wildebeest
Sat Apr 20, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 3248

Re: At what point would you hire someone vs. cut down a tree yourself?

If you post this question on Bogle heads you should hire somebody; I have cut down many a tree including trees I should have not. I have been very fortunate not to be maimed. Posted this in 2016 on Bogleheads. "We had a tree, which might fall on our house. We had asked the previous gardening service...
by Wildebeest
Sat Apr 20, 2019 5:24 am
Forum: Personal Consumer Issues
Topic: Get the best deal for your cruise: Whole Food, Plant Based
Replies: 14
Views: 2005

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

I went on the vegan cruise a couple of years ago and wasn't that impressed. You may have a different experience being a relatively new 'convert', but for me, the information the speakers covered was old news. (I've been vegan for nearly 20 years, and vegetarian for 15 before that.) If I were to go ...
by Wildebeest
Sat Apr 20, 2019 4:48 am
Forum: Personal Consumer Issues
Topic: Get the best deal for your cruise: Whole Food, Plant Based
Replies: 14
Views: 2005

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 ...
by Wildebeest
Thu Apr 18, 2019 9:21 pm
Forum: Personal Consumer Issues
Topic: Get the best deal for your cruise: Whole Food, Plant Based
Replies: 14
Views: 2005

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

We also went WFPB after reading "How Not to Die" 3 years ago. By far the best thing I have ever done. We were vegan for 15 years previous but ate a not so great, Americanized vegan diet. The WFPB diet completely transformed us. My peers are literally dropping of cardio and cancer and I am in better...
by Wildebeest
Thu Apr 18, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Get the best deal for your cruise: Whole Food, Plant Based
Replies: 14
Views: 2005

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

This looks like it might be a special group on MSC Divina, and not the entire cruise. If so, you probably need to book through the group (??). Otherwise, you may be on the same cruise, but not eating the special meals. I can't see Divina filling up entirely with a group like this. If the cruise is ...
by Wildebeest
Thu Apr 18, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Get the best deal for your cruise: Whole Food, Plant Based
Replies: 14
Views: 2005

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

So now we are vegan after reading "How not to die" by Micheal Greger. We checked on the Internet and we can go to cruise the winter of 2020 and we hope it is is like the Boglehead Conference and we get to meet really cool people and learn a lot. So how do you get the best deal when ordering a cruise...
by Wildebeest
Mon Oct 08, 2018 7:48 pm
Forum: Investing - Theory, News & General
Topic: Paul Romer & William Nordhaus share Nobel Prize in Economics
Replies: 16
Views: 1625

Re: Paul Romer & William Nordhaus share Nobel Prize in Economics

Hi bobcat2, Every time when the Nobel prize in economics is awarded I am disappointed that the most deserving person John C Bogle has again been bypassed. But what do Swedes know of low cost Index funds which have caused a revolution in how people can retire? I did not read about the new Nobel Prize...
by Wildebeest
Sun Oct 07, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2018 VIDEOS
Replies: 22
Views: 3940

Re: BOGLEHEADS 2018 VIDEOS

Heartening to see Jack Bogle to be in great form.

Look very much forward to the videos to come.

Thanks so much for posting.
by Wildebeest
Sun Sep 30, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 790
Views: 107025

Re: How much money do you want to retire?

This thread brings back memories from when I was a teenager and tried to figure out what it would take me for me to never have to join the work force in the first place and be happy and lead a life of leisure. At that time my number was $250,000 which if one takes inflation into account would be $ 1...
by Wildebeest
Mon Sep 24, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Don't try this at home?
Replies: 8
Views: 2093

Re: Don't try this at home?

We also sold our own home without a real estate agent and it went without a hitch. I cut down many trees and decided at one point that now I could afford to pay other people to cut down trees which may fall on our house. Trees kill, I have never used any of the safety gear my family bought me to kee...
by Wildebeest
Sat Sep 22, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 83
Views: 9915

Re: What to wear for job interview - skip the tie?

Great you got the job. I am glad it worked out skipping the tie. I hate wearing ties, did not wear a tie when I got married and would only don them for job interviews. However in work settings I deal with colleagues, clients and they do care what you wear ( even while they wear business casual or T ...
by Wildebeest
Sun Sep 16, 2018 12:01 pm
Forum: Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5800

Re: Employer won't Match 401k. Why?

I am responsible for the 401K plan at a 50ish employee company. When I came onboard, we had a 401K with high fees but "no cost" to the employer. A few years ago, we switched to a 401K plan using Vanguard (actually Ascensus, which is also a hassle. Employers with less than $20M in assets can't work ...
by Wildebeest
Sat Aug 18, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 91
Views: 10849

Re: Vanguard predicts 10 year equity returns

so if all experts agree that US will do worse than Int'l over the next 10 years, https://www.morningstar.com/articles/842900/experts-forecast-longterm-stock-and-bond-returns-2.html why are there people here who say you don't need Int'l? (based on last 10 years results I guess) Because: ” “Nobody kn...
by Wildebeest
Sat Aug 18, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 48
Views: 6026

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

This is a difficult one. So many great books and so little time. Non fiction: "Thinking fast and thinking slow" by Daniel Kahneman; have reread it many times "Behave" by Robert Sopolksy have reread it once and it is on the schedule to be read yearly "Sapiens" by Yuval Harari. will reread it I agree ...
by Wildebeest
Sat Aug 18, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 91
Views: 10849

Re: Vanguard predicts 10 year equity returns

so if all experts agree that US will do worse than Int'l over the next 10 years, https://www.morningstar.com/articles/842900/experts-forecast-longterm-stock-and-bond-returns-2.html why are there people here who say you don't need Int'l? (based on last 10 years results I guess) Because: ” “Nobody kn...
by Wildebeest
Sat Aug 18, 2018 8:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 91
Views: 10849

Re: Vanguard predicts 10 year equity returns

so if all experts agree that US will do worse than Int'l over the next 10 years, https://www.morningstar.com/articles/842900/experts-forecast-longterm-stock-and-bond-returns-2.html why are there people here who say you don't need Int'l? (based on last 10 years results I guess) Because: ” “Nobody kn...
by Wildebeest
Sat Aug 18, 2018 7:40 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 110743

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I could not agree more with lost dog. Another quote from Jonathan Clements on the Humble Dollar regarding this very subject. http://www.humbledollar.com/2018/08/newsletter-no-30/ “I believe every investor should look at his or her investment mix and ask, ‘What if I’m wrong?'” We won’t get this short...
by Wildebeest
Sat Aug 18, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7943

Re: Reckless driving ticket in VA-Help!

Hi Andyandyandy,

Consider step 8-10 of lifehacker's suggestions.

https://lifehacker.com/208611/how-to-be ... ur-chances

Good luck and let us know how it turned out.

W.
by Wildebeest
Sat Aug 18, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7943

Re: Reckless driving ticket in VA-Help!

I have to say I find it funny so many of these posts and stories mention well known speed traps, going to the office, and even avoiding the area. If these speed traps are so well known, why are you, or relatives getting tickets there and why avoid the area?? :confused :wink: I am aware of speed tra...
by Wildebeest
Sat Jul 14, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 21096

Re: COMING SOON: BOGLEHEADS PODCASTS

I have read every one of Rick Ferri's books and loved his books. I have talked to him at Bogleheads's yearly conference meeting. He got me to Bogleheads and talking to him at the meeting, I think he is great.
by Wildebeest
Sat Jul 14, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: Historical U.S. Portfolio Disasters — Wrapping It All Up
Replies: 32
Views: 2918

Re: Historical U.S. Portfolio Disasters — Wrapping It All Up

Another great post by SimpleGift. Thanks. It matters how this data affects you. It is a new, brave world ( the book was published in 1932). It is a different world then 86 years ago and even 10 years ago and I think the next disaster which may turn into a "Boglehead portfolio disaster" will affect p...
by Wildebeest
Sat Jul 14, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Should we sell our business?
Replies: 61
Views: 5701

Re: Should we sell our business?

My vote: If you have a good offer go with it. We sold our business. I did not want to. The business was growing like run away train. However strife with partners forced the sale. Looking back we were fortunate to sell at the time we did before the 2008 crash. 10 years later the business has been sol...
by Wildebeest
Sun Jul 01, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: replace old central AC unit?
Replies: 32
Views: 2675

Re: replace old central AC unit?

I agree with all previous posters: My suggestions ate: 1. Get an energy audit. 2. If you need a new AC unit insist on a Manual J loading system and ask them to go through it how they came up with that number. 3. Depending on the cost consider a heat pump as opposed to a ac unit. 4. If you get a new ...
by Wildebeest
Wed Jun 20, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 36
Views: 1679

Re: How to evaluate charities to donate to?

This is a great website.

https://www.givewell.org/charities/top-charities

Also if the Gates Foundation supports it, that is a great recommendation.
by Wildebeest
Tue May 29, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 32887

Re: The Side Hustle

Noun: 1. busy movement and activity. "the hustle and bustle of the big cities" 2. NORTH AMERICANinformal a fraud or swindle. I feel so old when I read about hustle or side hustle. I know it must mean something else that what I think it means, but what I hear is so wrong. I interpret is as a fraud or...
by Wildebeest
Mon May 28, 2018 8:05 pm
Forum: Personal Investments
Topic: When and how often do you rebalance
Replies: 52
Views: 5186

Re: When and how often do you rebalance

I do not rebalance. I used to want to rebalance per my IPS. I would rebalance with new money. Link to my Wildebeest's Way to Wealth https://www.bogleheads.org/forum/viewtopic.php?t=149562#p2236841. Then I read there was little to no gain in maximizing returns by rebalancing. I am so much happier to ...
by Wildebeest
Sun May 27, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 14104

Re: Helping Adult Children (but not too much)

It is good to have perspective and I appreciate yours. You may enjoy this article: https://www.theatlantic.com/magazine/archive/2018/06/the-birth-of-a-new-american-aristocracy/559130/ We will leave the majority of our estate to charity. Wildebeest, I have a genuine question for you: what obligation...
by Wildebeest
Sun May 27, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 14104

Re: Helping Adult Children (but not too much)

So I have some takeaways from being the poor kid in a world mostly full of your kids, as nearly everyone around me had a lot more parental help and support: -They do not know the value of a dollar the way I do. They've never had to figure out how to make the last $10 last until the next paycheck. T...
by Wildebeest
Sun May 27, 2018 9:43 am
Forum: Personal Investments
Topic: Fund choices in Nationwide 401k
Replies: 11
Views: 1121

Re: Fund choices in Nationwide 401k

I feel your pain in the high ER in your fund choices. I would go for option 3. My suggestions are: Check to see if your 401 K allows you to transfer your contributions out once a year to a low ER IRA. If you are over 59.5 you are for sure. Check to see if you have self directed brokerage option. Rea...
by Wildebeest
Sat May 26, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 9722

Re: Help Buying Mens Shoes for Work and Dating

S&L1940 wrote:
Sat May 26, 2018 8:34 pm
"Wildebeest, I do not suggest you get shoes for dating. That just would weird me out."

Maybe that is my problem, no dates because I am not wearing the proper shoes for dating...
My wife does not even notice my shoes. It all worked out for me.
by Wildebeest
Sat May 26, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 14104

Re: Helping Adult Children (but not too much)

I am planning to live to one hundred ( the best laid plans etc) and I want my spouse to outlive me. I am very grateful for all the support my parents gave me when I was young and struggling and we have forwarded that gift to our children and grand children. What good will the inheritance do when we ...
by Wildebeest
Sat May 26, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 9722

Re: Help Buying Mens Shoes for Work and Dating

Some people are into shoes and some are not. I am not Imelda Marcos but a good looking shoe definitely calls my name. I used to only wear Italian dress shoes ( lots of compliments on my shoes, which made me acutely uncomfortable) and then I developed corns. Then I only wore Rockports for about 10 ye...