Search found 122 matches

by DouglasDoug
Fri May 17, 2013 8:21 am
Forum: Investing - Theory, News & General
Topic: $600M Powerball Jackpot - take cash or annuity?
Replies: 86
Views: 9049

Re: $550M Powerball Jackpot - take cash or annuity?

So sad. Majority of people who chase this nonsense do not practice simple investing.
by DouglasDoug
Tue May 14, 2013 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Initiation Age
Replies: 65
Views: 4525

Re: Social Security Initiation Age

All age projections are based on living to 90 or thereabouts. Aren't men being overly confident?
by DouglasDoug
Wed Feb 13, 2013 12:08 am
Forum: Investing - Theory, News & General
Topic: Shakespearean take on diversification
Replies: 47
Views: 4923

Re: Shakespearean take on diversification

One last note re the act of reading and then I shall not disturb this thread further. If you track the changing definition of the word "reading" (I speak of English usage) you will see that for centuries it meant " reading aloud. " Of course, the general public for many centuries was illiterate unt...
by DouglasDoug
Mon Feb 04, 2013 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Social Security - Why Delay ?
Replies: 145
Views: 7674

Re: Social Security - Why Delay ?

EternalOptimist wrote:
sscritic wrote:
Bustoff wrote: Even if I survive past 86, what's the advantage of having a few more bucks when I can't remember my name or anything else.
To pay for the Alzheimer's care facility.

Or fancier diapers :shock:
Or clever operators who know I am out of my mind.
by DouglasDoug
Thu Jan 31, 2013 1:06 pm
Forum: Personal Consumer Issues
Topic: How Can I Tell If My Dentist is Good One?
Replies: 133
Views: 18789

Re: How Can I Tell If My Dentist is Good One?

As I have a deep suspicion of Financial Advisors, I have deeper suspicions of doctors. So much at stake and a magnet for scammers to be sure. I hate doctor shopping and think consumers are basically unprotected. Good luck!
by DouglasDoug
Fri Jan 25, 2013 12:01 am
Forum: Personal Finance (Not Investing)
Topic: 3 Methods to Get the Most Out of Social Security
Replies: 23
Views: 3031

Re: 3 Methods to Get the Most Out of Social Security

sscritic, can you expound a tad more on "If you are single, it shouldn't matter to you from an investment-life expectancy point of view". What ought be the considerations if one is single?
by DouglasDoug
Thu Jan 24, 2013 10:31 am
Forum: Personal Finance (Not Investing)
Topic: 3 Methods to Get the Most Out of Social Security
Replies: 23
Views: 3031

Re: 3 Methods to Get the Most Out of Social Security

Forgive me for not seeing the point of this interview. Isn't this very old news?
by DouglasDoug
Tue Dec 25, 2012 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: middle class retirement Delusion by the number
Replies: 47
Views: 7358

Re: middle class retirement Delusion by the number

This is a forum of over-savers, let's face it. Some might say we are "compulsive" over-savers. In that context I do think it's helpful to remember that a good life can be had even if only Social Security is available in retirement, and there's something a lot worse than being 75, healthy, compos me...
by DouglasDoug
Fri Dec 21, 2012 9:18 am
Forum: Investing - Theory, News & General
Topic: Jump in Vanguard Total Stock Market Dividend
Replies: 34
Views: 5227

Re: Jump in Vanguard Total Stock Market Dividend

Are you suggesting we should peek at our accounts ?
by DouglasDoug
Mon Dec 17, 2012 12:16 am
Forum: Personal Consumer Issues
Topic: Early retirement overseas?
Replies: 116
Views: 12451

Re: Early retirement overseas?

Why not Mexico? I've heard there are sizable expat communities there. And not far away.
by DouglasDoug
Sun Dec 09, 2012 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Wade Pfau on depleting assets
Replies: 43
Views: 5853

Re: Wade Pfau on depleting assets

Leesbro63, I could mistake you for friend who repeats the same words. Her mother's care is subsidized by Medicaid. The facility has its share of wealthy clients. The level of care is dictated by visitor vigilance. Make no mistake, she says, if you have no visitors the level of care is borderline neg...
by DouglasDoug
Sat Dec 08, 2012 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Wade Pfau on depleting assets
Replies: 43
Views: 5853

Re: Wade Pfau on depleting assets

Thanks for the link. Food for thought.
by DouglasDoug
Mon Nov 05, 2012 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Does looking forward to retirement mean you havent found...
Replies: 77
Views: 6055

Re: Does looking forward to retirement mean you havent found

I have a hard time believing anyone can truly like their job. Seems to me like eating your favorite food for a living, or playing video games can be painful if done too much or because you had to. In my current situation, I am not sure if it is the field or the job that I have grown tired of. I am ...
by DouglasDoug
Sun Oct 14, 2012 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Investing Social Security
Replies: 29
Views: 2439

Investing Social Security

One view rarely put forth about claiming social security early is that of investing the money should it not be needed. For those optimistic about stock market highs in the coming years, this strategy could reap stellar returns. How would you invest your social security? Is there also a chance one mi...
by DouglasDoug
Wed Oct 03, 2012 4:06 pm
Forum: Investing - Theory, News & General
Topic: Assuming you'll need same amount $ late in retirement
Replies: 31
Views: 2510

Re: Assuming you'll need same amount $ late in retirement

“WHO IS rich? He who rejoices in his portion,” said Benjamin Franklin. Fear, is my guess. Sometimes being rich will simply be the ability to roll out of bed and not regret it.
by DouglasDoug
Sun Sep 30, 2012 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: To fully retire?
Replies: 10
Views: 1869

Re: To fully retire?

Congratulations on doing nothing. Let us know the musings of a truly leisured man.
by DouglasDoug
Thu Sep 06, 2012 3:48 pm
Forum: Investing - Theory, News & General
Topic: 70 is the New 65
Replies: 106
Views: 15920

Re: 70 is the New 65

Where is the proof that 70 is new 65? Wishful thinking perhaps. I rarely see a wrinkled face in corporate America.
by DouglasDoug
Tue Aug 21, 2012 12:41 pm
Forum: Investing - Theory, News & General
Topic: "Wait to Begin Social Security" ?
Replies: 47
Views: 6083

Re: "Wait to Begin Social Security" ?

Just t'other night, some scientist on Charlie Rose said half the folks who live to 90 suffer some form of dementia. If one needs the money, take it, why wait? Interesting theory: if you develop dementia, you'll no longer need money? No, but I'll be so beset with depression that concerns over social...
by DouglasDoug
Mon Aug 20, 2012 6:54 pm
Forum: Investing - Theory, News & General
Topic: "Wait to Begin Social Security" ?
Replies: 47
Views: 6083

Re: "Wait to Begin Social Security" ?

Taylor, I found this article lacking. Many good ones exist. In truth, there is no one answer that fits all: just see how often this question is discussed and will continue to be. Aren't there many roads to Dublin? What continues to bring a smile to my face is how optimistic people are about their ow...
by DouglasDoug
Mon Jul 23, 2012 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Something to Chew On
Replies: 6
Views: 1272

Something to Chew On

Very good article, "Our Ridiculous Approach To Retirement" in the Sunday New York Times. A slight nod to indexing in an otherwise blistering take on the state of retirement planning.
by DouglasDoug
Wed Jul 11, 2012 4:56 pm
Forum: Investing - Theory, News & General
Topic: Delay social security when real rates close to zero
Replies: 59
Views: 6312

Re: Delay social security when real rates close to zero

This subject never tires. I love to read all the varied and often emotional responses on many sites. Very noticeable is the flood of articles taking the same point of view that delaying is the sane thing to do. There are certainly good points on all sides. In the past year, however, I've suffered si...
by DouglasDoug
Thu Apr 26, 2012 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult mother financially
Replies: 65
Views: 5737

Re: Helping adult mother financially

An emotionally rife question. Counselling might be a good starting point. She is your mother, not ours. And there is more going on here than a financial concern. We are all going to be old, and possibly very old one day; and sure to be dependent on someone's good faith and good heart. Some blogger's...
by DouglasDoug
Tue Jan 10, 2012 6:53 pm
Forum: Personal Consumer Issues
Topic: Can Adele Sing?
Replies: 56
Views: 5134

Re: Can Adele Sing?

Does it matter? There's room for everyone. As Tennesee Williams wrote in The Roman Spring of Mrs. Stone, its not talent but what you can convince others you possess, or words to that effect. A better question is does anyone know what "Rolling in the Deep" means?
by DouglasDoug
Thu Dec 15, 2011 3:13 pm
Forum: Personal Consumer Issues
Topic: Humans born to run, evolutionary biologists say
Replies: 123
Views: 8564

Re: Humans born to run, evolutionary biologists say

From all accounts all the lifetime runners and former Jane Fonda excercise addicts now middle-age and above suffer a multitude of ailments. Everyone agrees walking is best. At any rate, running is now generating billions of dollars and all official information is probably biased.
by DouglasDoug
Sat Dec 03, 2011 3:40 pm
Forum: Investing - Theory, News & General
Topic: Link to Wall Street Journal market-timing article
Replies: 4
Views: 518

Link to Wall Street Journal market-timing article

Does anyone have the link to Fri., Dec. 2 WSJ article, "When Timing is Everything" ? Good read. Thanks.
by DouglasDoug
Tue Oct 25, 2011 12:33 pm
Forum: Investing - Theory, News & General
Topic: "Seven of the best index funds"
Replies: 14
Views: 3162

Re: "Seven of the best index funds"

Taylor: Is it redundant to have the S&P 500 and the Total Stock Indexes in the same portfolio ? Do they move in lockstep ? Thanks.
by DouglasDoug
Wed Aug 17, 2011 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone read the Swensen article?
Replies: 13
Views: 2379

Thanks everyone.
by DouglasDoug
Wed Aug 17, 2011 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Has anyone read the Swensen article?
Replies: 13
Views: 2379

Has anyone read the Swensen article?

Does anyone have the link to Sunday's NYT article by David Swensen on the Mutual Fund Industry (in the Review section I believe)?
by DouglasDoug
Sun Jul 03, 2011 11:32 am
Forum: Investing - Theory, News & General
Topic: Social Security Delay: the Rallying Cry
Replies: 101
Views: 12234

Social Security Delay: the Rallying Cry

The official advice to anyone considering early social security withdrawals is to delay, with scarcely any real considerations for why it makes sense to take it as soon as possible. Why not, for instance, take early social security and leave the retirement accounts to grow over time at a handsome re...
by DouglasDoug
Tue Jun 21, 2011 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Impact of Pension on SWR
Replies: 9
Views: 1812

Where is the site moderator when you need one?
by DouglasDoug
Mon Jun 13, 2011 10:58 am
Forum: Personal Consumer Issues
Topic: Things that will Disappear in our Lifetime.....anything else
Replies: 75
Views: 9074

There's no way to know what will vanish or endure, but in all cases it will be mindblowing.
by DouglasDoug
Thu Jun 09, 2011 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Buying an apartment in NYC
Replies: 29
Views: 4246

You are almost forty, and work as a freelancer. There is high unemployment and no jobs in sight. Should your work dry up or you are incapacitated, what then? Many are underwater these days; try townhouses outside of Manhattan for starters.
by DouglasDoug
Fri Jun 03, 2011 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: The benefits of delaying retirement
Replies: 117
Views: 12543

Many many concsiderations enter into decisons to retire. One thing I find, however, is that baby boomers never figure in deteriorating health, accidents of life, and tragedies. Every future scenario and projection is based on the individual remaing unchanged and postponing is key. Studies indicate t...
by DouglasDoug
Wed Jun 01, 2011 2:20 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Interview with Burton Malkiel
Replies: 19
Views: 2844

Thanks for sharing the interview. I am among Mr. Malkiel's most devoted. He offered guidance when I was trying to make financial decisons just before the recession. He was direct and sincere and gave me advice that, in its simplicity, still amazes.
by DouglasDoug
Tue Mar 01, 2011 11:13 am
Forum: Investing - Theory, News & General
Topic: What do you think of Suze Orman's advice?
Replies: 54
Views: 9900

I can only wish people would refrain from mentioning Suze Orman on this site. Even unfavorable blogs means thousands in free buzz and publicity. Her brand is laughing to the bank.
by DouglasDoug
Fri Feb 25, 2011 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do you regret saving or spending too much in your 20s?
Replies: 92
Views: 11559

Regrets, I've had a few, as the great Sinatra warbled. I get Charlie Sheen, if you get my drift. As I lived in a major, glamourous city, it was hot to be in my 20's and rocking it with other careless youth. Saving, brown bagging, budgets were anathema. A heiress or two would have come in handy. Neve...
by DouglasDoug
Sun Feb 20, 2011 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Benefits of Social Security at 62
Replies: 64
Views: 7238

Wait, if you can. But according to a distressing article in the WSJ Weekend Edition, the Boomers are in trouble, serious, retirement trouble. A good many may not be able to delay a moment past eligibility.
by DouglasDoug
Sun Jan 23, 2011 6:35 pm
Forum: Personal Consumer Issues
Topic: The Billionaire Renter
Replies: 59
Views: 8720

Carlos Slim prefers hotel rooms. A brilliant man.
by DouglasDoug
Thu Jan 06, 2011 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: If you are 50 or older, what advise would you give a 40y old
Replies: 52
Views: 8864

Prepare for more sorrow, regret, and existential angst.
by DouglasDoug
Mon Jan 03, 2011 6:06 pm
Forum: Personal Consumer Issues
Topic: True Grit (2010)
Replies: 46
Views: 9439

"Animal Kingdom", a little Australian jewel, was hands down the most disturbing, psychologically driven, masterwork in 2010.
by DouglasDoug
Fri Dec 31, 2010 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, help! So lost about career, life
Replies: 48
Views: 6615

Your true desire is obvious to anyone: do nothing and be filthy rich, into the bargain. Good for you !
by DouglasDoug
Thu Dec 16, 2010 4:34 pm
Forum: Investing - Theory, News & General
Topic: don't buy bond funds says Suze Orman
Replies: 46
Views: 7415

Ms. Orman used in her early books to recommend Vanguard Funds. For many she has done a great service. But when it comes to personal strategies, she has always said "Look in the mirror" for your most devoted and caring advisor. How she chooses to invest has nothing to do with anyone else; in fact, sh...
by DouglasDoug
Wed Aug 04, 2010 9:44 pm
Forum: Personal Consumer Issues
Topic: Billionaires to donate half of net worth to charities
Replies: 55
Views: 5280

Philanthropy is basically about vanity. Naturally, if your wealth is enough to sustain a country or two, it becomes one to have an image of caring for humanity. All the same, take the money and run.
by DouglasDoug
Tue Jul 27, 2010 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor deciding to " unretire "
Replies: 56
Views: 8611

As someone preparing to retire, I don't know why occupation really matters. It all has to do with philosophy of life and whether one is a career addict. A friend of mine was a doctor, who ran ER in a hospital in NYC. When he retired at 58, I was somewhat shocked. But I remembered the many times he s...
by DouglasDoug
Fri Jul 02, 2010 2:47 pm
Forum: Investing - Theory, News & General
Topic: "Stocks Down, Thankfully"
Replies: 77
Views: 11876

I agree with Chaz, that though it may be an ideal time for the young, who are also with jobs, it is quite the opposite for retirees, people without work, in short the older ones. I'm certain grandma, as she considers a diet of cat food, will be consoled by thoughts of cheap stock opportunities for h...
by DouglasDoug
Tue Jun 22, 2010 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman or Dave Ramsey?
Replies: 85
Views: 19110

who is Dave Ramsay ? If he is anything like the bulldozer salesperson who is Suze Orman---ugh ! Plus a heartless shark, who smiles constantly. And boasts, and is hubristic. Perfect lampooning material.
by DouglasDoug
Tue May 25, 2010 5:32 pm
Forum: Investing - Theory, News & General
Topic: Articles Like This Make Me Angry
Replies: 38
Views: 6370

In every respect, I find the downturns more interesting, psychologically. I watch as the arm-waving panic sets in, and no book, no aphorism, seems plausible againsts this primitive response. Self-assurance becomes a premium, and the weaker ones reveal themselves. And I am amazed at myself, at my cou...
by DouglasDoug
Wed Apr 28, 2010 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Does your overall appearance match your true wealth?
Replies: 79
Views: 11591

Absurd in the extreme. Who cares ? One man's gold is another's hell. So you have dough, but live in a shack; so you don't have dough, but look like a million bucks. Its all shifting sands. The finality, the last aria sung, is always the same one isn't it ?
by DouglasDoug
Wed Apr 28, 2010 2:22 pm
Forum: Investing - Theory, News & General
Topic: Goldman hearings
Replies: 115
Views: 9428

Where is the monitor who forbade political discussions on this site last week ? Goldman Sach's as a topic is highly charged, and political.
by DouglasDoug
Mon Apr 19, 2010 12:55 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Goldman Sachs with Fraud
Replies: 258
Views: 24146

[political comments deleted by admin alex] How nice of the bloggers to give up a tad of their portfolios that justice be served. Should we return the unjust profits we hauled in before the crash and the unseemly revelations?