Search found 828 matches

by EternalOptimist
Fri Dec 27, 2013 5:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: It Was A Very Good Year
Replies: 15
Views: 3658

Re: It Was A Very Good Year

nedsaid wrote:I can hear Frank Sinatra singing, "Two thousand thirteen, it was a very good year..."
It's better than "and now the end is near and so I face the final curtain....."
by EternalOptimist
Thu Dec 26, 2013 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 128
Views: 32104

Re: What you wish you had known entering your late 20's

Always be thankful for what you have no matter how much or how little.
by EternalOptimist
Thu Dec 26, 2013 3:58 pm
Forum: Investing - Theory, News & General
Topic: 'Play' Money
Replies: 95
Views: 11100

Re: 'Play' Money

Sorry if I used a poor choice of words. I was looking for a side pool or 'extra' money that was used to have some fun/speculate with as opposed to the 'serious' money that the family is reliant upon. BTW, I don't do this, just curious if/how folks do it.
by EternalOptimist
Thu Dec 26, 2013 1:43 pm
Forum: Investing - Theory, News & General
Topic: 'Play' Money
Replies: 95
Views: 11100

Re: 'Play' Money

Hey this is serious business... :moneybag
by EternalOptimist
Thu Dec 26, 2013 1:39 pm
Forum: Investing - Theory, News & General
Topic: 'Play' Money
Replies: 95
Views: 11100

'Play' Money

Do any Bogleheads have funny money or play money that they use to buy and selling investments that aren't part of their core plan. Curious about how much you have to play around with and how do you go about buying and selling things? Thanks.
by EternalOptimist
Tue Dec 24, 2013 1:38 pm
Forum: Investing - Theory, News & General
Topic: Women Better Investors Than Men?
Replies: 69
Views: 5432

Re: Women Better Investors Than Men?

Vanguard has a paper saying the same thing. Men suffer from overconfidence. That said my wife wants 0% stocks. I guess having been an equities analyst of Japanese stock would do that to a person. Overconfidence often helps in the real world, underconfidence does not. It just so happens that being l...
by EternalOptimist
Mon Dec 23, 2013 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead related 2014 goals.
Replies: 18
Views: 2559

Re: Boglehead related 2014 goals.

My goal for 2014 is to retire. I have been post poning it for some time now and hope to have the guts to actually do it. Victoria Just do it, you could always go back ( though I doubt you would). I've been retired 2+ years and it keeps getting better. There's a good book "Feel the fear and do it an...
by EternalOptimist
Mon Dec 23, 2013 7:56 pm
Forum: Investing - Theory, News & General
Topic: Women Better Investors Than Men?
Replies: 69
Views: 5432

Re: Women Better Investors Than Men?

It's politically incorrect to compare women to men unless the data is in the woman's favor. I could see how women might be better, but I have to agree that this is irrelevant. A man can't change into a woman and a woman can't change into a man. I just focus on things I can change. this is perfectly...
by EternalOptimist
Mon Dec 23, 2013 7:49 pm
Forum: Investing - Theory, News & General
Topic: Women Better Investors Than Men?
Replies: 69
Views: 5432

Re: Women Better Investors Than Men?

Dutch wrote:
yatesd wrote:A man can't change into a woman and a woman can't change into a man. I just focus on things I can change.
You'd be surprised
LOLOL
by EternalOptimist
Mon Dec 23, 2013 7:48 pm
Forum: Investing - Theory, News & General
Topic: Women Better Investors Than Men?
Replies: 69
Views: 5432

Re: Women Better Investors Than Men?

I've seen that a couple times also, that women do better in the 401k usually. It was because they tend to "set it and forget it", or let someone else set it and forget it, and they did not tinker with the 401k as much as men. So, I think that says, even if one does not know the exact course, stayin...
by EternalOptimist
Mon Dec 23, 2013 7:32 pm
Forum: Investing - Theory, News & General
Topic: Women Better Investors Than Men?
Replies: 69
Views: 5432

Re: Women Better Investors Than Men?

Thought I'd cheer up the ladies here :wink:
by EternalOptimist
Mon Dec 23, 2013 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead related 2014 goals.
Replies: 18
Views: 2559

Re: Boglehead related 2014 goals.

My goal for 2014 is to retire. I have been post poning it for some time now and hope to have the guts to actually do it. Victoria Just do it, you could always go back ( though I doubt you would). I've been retired 2+ years and it keeps getting better. There's a good book "Feel the fear and do it an...
by EternalOptimist
Mon Dec 23, 2013 5:28 pm
Forum: Investing - Theory, News & General
Topic: Women Better Investors Than Men?
Replies: 69
Views: 5432

Women Better Investors Than Men?

That's what US News reported last week based on a number of studies.

http://money.usnews.com/money/blogs/On- ... s-than-men
by EternalOptimist
Mon Dec 23, 2013 2:46 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal plan based on market performance
Replies: 34
Views: 1920

Re: Withdrawal plan based on market performance

Actually, I would not recommend you use market performance. What would you do when the market dropped 50%? Paul If your portfolio dropped 50% and you can't handle a 50% drop in expenses, then your asset allocation was wrong. Don't blame a Variable withdrawal method on a poor asset allocation! The O...
by EternalOptimist
Mon Dec 23, 2013 2:24 pm
Forum: Personal Consumer Issues
Topic: New Year's Eve
Replies: 67
Views: 4843

Re: New Year's Eve

What are you doing on New Year's Eve? Are you going out to someplace special or just treating it like any other day? :beer EternalOptimist: I met my wife-to-be at a New Year's Eve ball in December 1948. She died last May. I will stay home and remember the wonderful times we had together. http://far...
by EternalOptimist
Mon Dec 23, 2013 10:36 am
Forum: Personal Consumer Issues
Topic: New Year's Eve
Replies: 67
Views: 4843

Re: New Year's Eve

sscritic wrote:New Year's Eve is ordinary; New Year's Day is special. One of my best New Year's Eves was spent rolling sushi in the kitchen of a friend in preparation for the New Year's Day celebration to come.
Loves sushi.......enjoy
by EternalOptimist
Mon Dec 23, 2013 8:47 am
Forum: Personal Consumer Issues
Topic: New Year's Eve
Replies: 67
Views: 4843

Re: New Year's Eve

cheese_breath wrote:
EternalOptimist wrote:I wouldn't mind grabbing a bite out while my wife wants to eat in :oops:
Why not eat out while staying in by having it delivered?
I think we are going in that direction :wink:
by EternalOptimist
Sun Dec 22, 2013 6:10 pm
Forum: Personal Consumer Issues
Topic: New Year's Eve
Replies: 67
Views: 4843

Re: New Year's Eve

I wouldn't mind grabbing a bite out while my wife wants to eat in :oops:
by EternalOptimist
Sun Dec 22, 2013 6:07 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal plan based on market performance
Replies: 34
Views: 1920

Re: Withdrawal plan based on market performance

Which begs the question, does one ever feel financially safe in retirement?
by EternalOptimist
Sun Dec 22, 2013 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Financial 'Regrets' for 2013
Replies: 60
Views: 6421

Re: Financial 'Regrets' for 2013

VictoriaF wrote:I bought I Bonds at 0% fixed rate. I could have easily waited until the end of the year and captured the 0.2% windfall.

Victoria
LOL
by EternalOptimist
Sun Dec 22, 2013 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Financial 'Regrets' for 2013
Replies: 60
Views: 6421

Re: Financial 'Regrets' for 2013

Wish I had more in equities
by EternalOptimist
Sun Dec 22, 2013 5:40 pm
Forum: Investing - Theory, News & General
Topic: Behavioral Investing - James Montier
Replies: 18
Views: 2932

Re: Behavioral Investing - James Montier

Thanks Robert for the great synopsis. Brings to mind a quote "never make an important decision when you are emotionally very high or very low"
by EternalOptimist
Sun Dec 22, 2013 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Financial 'Regrets' for 2013
Replies: 60
Views: 6421

Financial 'Regrets' for 2013

As the year comes to a close, do you have any regrets be they opportunities you failed to take advantage of or mistakes you made in your financial decision making?
by EternalOptimist
Sun Dec 22, 2013 11:49 am
Forum: Personal Consumer Issues
Topic: New Year's Eve
Replies: 67
Views: 4843

Re: New Year's Eve

Good stuff all, wishing a happy and a healthy new year to everyone :beer
by EternalOptimist
Sun Dec 22, 2013 10:27 am
Forum: Investing - Theory, News & General
Topic: Withdrawal plan based on market performance
Replies: 34
Views: 1920

Re: Withdrawal plan based on market performance

Is this question about the decumulation phase? I am not there yet, but I am planning to maintain a certain level of annual spending that would be independent of the market performance. I have reduced my allocation to stocks to a level that makes me largely independent of the market performance. Vic...
by EternalOptimist
Sun Dec 22, 2013 10:26 am
Forum: Investing - Theory, News & General
Topic: POLL: Emotions and the Stock Market
Replies: 43
Views: 2270

Re: POLL: Emotions and the Stock Market

It's looking like from this small survey that most people believe that long term changes in the market are driven by emotion...interesting.
by EternalOptimist
Sun Dec 22, 2013 10:15 am
Forum: Investing - Theory, News & General
Topic: Withdrawal plan based on market performance
Replies: 34
Views: 1920

Withdrawal plan based on market performance

Was wondering if any folks have an actual withdrawal plan that is driven by market performance. For instance, if the market is largely flat over a given period one might withdraw 4% whereas if the market has a growth of ~10% they would take out 5%, etc. etc
by EternalOptimist
Sat Dec 21, 2013 12:44 pm
Forum: Investing - Theory, News & General
Topic: POLL: Emotions and the Stock Market
Replies: 43
Views: 2270

Re: POLL: Emotions and the Stock Market

steve_14 wrote:There's a $100 bill on the sidewalk. You pick it up. To what extent were you driven by "greed"? 42.56%? Or merely 18.25%? This question would seem to have no answer or point.

This is not a new concept, just curious how involved people felt about it. Opinions are answers.
by EternalOptimist
Sat Dec 21, 2013 12:07 pm
Forum: Investing - Theory, News & General
Topic: POLL: Emotions and the Stock Market
Replies: 43
Views: 2270

POLL: Emotions and the Stock Market

Generally speaking, over time, to what extent do you feel that emotions like fear and greed drive major movements in the market?
by EternalOptimist
Fri Dec 20, 2013 1:41 pm
Forum: Personal Consumer Issues
Topic: New Year's Eve
Replies: 67
Views: 4843

Re: New Year's Eve

Think my wife and I are going to stay in and have a quiet night.
by EternalOptimist
Fri Dec 20, 2013 1:35 pm
Forum: Personal Consumer Issues
Topic: New Year's Eve
Replies: 67
Views: 4843

New Year's Eve

What are you doing on New Year's Eve? Are you going out to someplace special or just treating it like any other day? :beer
by EternalOptimist
Thu Dec 19, 2013 11:51 am
Forum: Personal Consumer Issues
Topic: “The Queen of Versailles"
Replies: 32
Views: 3049

Re: “The Queen of Versailles"

Who cares about educating other people? Was this your favorite movie of the year? Do you recommend it to other bogleheads? That's an acceptable topic. To watch or not to watch is actionable. P.S. Trying to force your holiday guests to watch it instead of the football game of the day is a bad idea i...
by EternalOptimist
Thu Dec 19, 2013 11:50 am
Forum: Personal Consumer Issues
Topic: “The Queen of Versailles"
Replies: 32
Views: 3049

Re: “The Queen of Versailles"

Agree this movie should be mandatory financial education. I suppose what really struck me among other things was the filth tolerated in the house, their business sales hype, the poor servants, and the wink & nod comment about swaying the election. Embarrassing too that the characters encapsulate Am...
by EternalOptimist
Thu Dec 19, 2013 10:46 am
Forum: Personal Consumer Issues
Topic: “The Queen of Versailles"
Replies: 32
Views: 3049

Re: “The Queen of Versailles"

I saw it about a year ago. An amazing story about someone who lucked into a deal (selling timeshares) when loans were easy to get and leveraged up thinking the sky was the limit- then to watch it all unravel. There has to be some poetic justice in the (mis) adventure. Are there any updates on the s...
by EternalOptimist
Wed Dec 18, 2013 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can you predict how much COBRA will be ?
Replies: 23
Views: 1799

Re: Can you predict how much COBRA will be ?

COBRA is no bargain. With the Affordable Care Act there are surely better options.
by EternalOptimist
Wed Dec 18, 2013 4:18 pm
Forum: Personal Consumer Issues
Topic: Mega Millions jackpot to $636 million
Replies: 82
Views: 6048

Re: Mega Millions jackpot to $636 million

Cool....wonder if anyone knew someone who ever won $1 million +
by EternalOptimist
Wed Dec 18, 2013 4:00 pm
Forum: Personal Consumer Issues
Topic: “The Queen of Versailles"
Replies: 32
Views: 3049

Re: “The Queen of Versailles"

It was jaw-dropping, especially for my teens. They had no idea that great amounts of money can be made, wasted, and lost by people other than sports figures and pop stars; stupidity does not discriminate. Yep, the youngsters have no idea how bad things can be. I love it near the end where the old g...
by EternalOptimist
Wed Dec 18, 2013 3:54 pm
Forum: Personal Consumer Issues
Topic: “The Queen of Versailles"
Replies: 32
Views: 3049

“The Queen of Versailles"

Anyone see this movie, it was on again last night on CNBC. Compelling story about the ups and downs of greed.
by EternalOptimist
Wed Dec 18, 2013 3:49 pm
Forum: Investing - Theory, News & General
Topic: Taper!!!
Replies: 25
Views: 3602

Re: TAPER!!!

S&P :thumbsup 1.25% @15" to closing
by EternalOptimist
Wed Dec 18, 2013 8:40 am
Forum: Personal Consumer Issues
Topic: Dessert anyone?
Replies: 34
Views: 3535

Re: Dessert anyone?

johnep wrote:
EternalOptimist wrote:There's an Italian dessert called tiramisu (meaning pick me up). I'm Italian and it is one if my favs in addition to Italian cheesecake. Enjoy
+1 for tiramisu. We are not Italian but my wife makes a great version of this.
Good stuff and it's made many different ways
by EternalOptimist
Wed Dec 18, 2013 8:36 am
Forum: Personal Consumer Issues
Topic: Mega Millions jackpot to $636 million
Replies: 82
Views: 6048

Re: Mega Millions jackpot to $636 million

smpatel wrote:What time is the bogglehead server is on! It is EST 7.06 AM on my computer and I see responses of 7.40 AM already on the board!
Am an hour behind also. BTW, I didn't win the big nor because I didn't play lol
by EternalOptimist
Tue Dec 17, 2013 6:54 pm
Forum: Personal Consumer Issues
Topic: Mega Millions jackpot to $636 million
Replies: 82
Views: 6048

Re: Mega Millions jackpot to $636 million

New Topic: Billion Dollar Lottery Jackpot. [I posted first; it's mine.] There is a 30% chance no one will win this time. The next jackpot will likely be over a billion. Despite a jump in ticket sales in the run-up to the drawing later in the day, there’s still about a 30% chance no one wins the big...
by EternalOptimist
Tue Dec 17, 2013 4:48 pm
Forum: Personal Consumer Issues
Topic: Mega Millions jackpot to $636 million
Replies: 82
Views: 6048

Re: Mega Millions jackpot to $636 million

Visualize winning powerball: According to the powerball website the odds are 1 in 175,223,510 to win the jackpot (megamillions is 1 in 259 million so even worse). This would be equivalent to picking the correct dime from a stack of dimes 108 miles tall. Commercial aircraft typically fly at an altit...
by EternalOptimist
Tue Dec 17, 2013 3:43 pm
Forum: Personal Consumer Issues
Topic: Dessert anyone?
Replies: 34
Views: 3535

Re: Dessert anyone?

There's an Italian dessert called tiramisu (meaning pick me up). I'm Italian and it is one if my favs in addition to Italian cheesecake. Enjoy
by EternalOptimist
Tue Dec 17, 2013 3:32 pm
Forum: Personal Consumer Issues
Topic: Mega Millions jackpot to $636 million
Replies: 82
Views: 6048

Re: Mega Millions jackpot to $636 million

Never played....too rational and too cheap.
by EternalOptimist
Tue Dec 17, 2013 2:54 pm
Forum: Personal Consumer Issues
Topic: Mega Millions jackpot to $636 million
Replies: 82
Views: 6048

Re: Mega Millions jackpot to $636 million

I'll probably buy a ticket, but I log it under entertainment expenses rather than investments. It's fun to imagine what sort of problems you'd have if you suddenly won several hundred million dollars. For example, if I tried to deploy my current portfolio all at once I could actually move the marke...
by EternalOptimist
Tue Dec 17, 2013 2:41 pm
Forum: Personal Consumer Issues
Topic: Mega Millions jackpot to $636 million
Replies: 82
Views: 6048

Re: Mega Millions jackpot to $636 million

When Powerball or Mega Millions get over $200 million, I buy one ticket on Sundays when I walk to the convenience store around the corner to get the newspaper. The enjoyment I get when thinking about using the winnings to travel around the world for the rest of my life is worth the $20 or so I spen...
by EternalOptimist
Tue Dec 17, 2013 2:29 pm
Forum: Personal Consumer Issues
Topic: Mega Millions jackpot to $636 million
Replies: 82
Views: 6048

Re: Mega Millions jackpot to $636 million

Are you playing in this lottery? Whether or not you are, I'd like to hear your rationale. :D I bought a few tickets. I'm stressed out with a work project and when I wake up at 2am and can't go back to sleep I can always try spending my imaginary millions. Another interesting sidebar: I occasionally...
by EternalOptimist
Tue Dec 17, 2013 2:27 pm
Forum: Personal Consumer Issues
Topic: Mega Millions jackpot to $636 million
Replies: 82
Views: 6048

Re: Mega Millions jackpot to $636 million

Probably not. But I did hear in one news report, that the more people buy tickets, that the odds get worse. Doesn't the odds remain the same no matter how many people buy a lottery ticket? The odds of drawing a winning number are the same regardless of the jackpot. However, the more people play, th...