Bogleheads.org

nydad, I am very glad you think so highly of this thread. I never suspected it would still be active 4 years after I started it. I loved the responses we got. One problem I see about converting it to a wiki is some of the suggestions: Were not serious but intended to be humorous, like using both sid...

I don't know if this has been bought up yet. OP's brother-in-law may want to fight to keep the children, then he can collect alimony from the x-wife until the children turn 18. He can argue that he stayed home to take care of the children while the wife was out working. How is your sister going to ...

I never had it go down before.

I am glad I don't trade ETFs... at least with Mutual Funds I have time to get it working. I guess I would have tried my wife's computer in an emergency.

HardKnocker wrote:"I [messed] up - Now what?"

Now, you pay back the loans. Nobody put a gun to your head to take those loans did they? You are a grown up. Pay back the loans. Get to work.

I suspect that is not the kind of advice OP was looking for.

Not where I have been, but what now?

OK, it just came back up by itself.

Strange it only happened to me, and this was the only site that did it.

Thanks. My Windows 7 just did a big update when I logged off/on last. Must have changed some settings. This page can't be displayed •Make sure the web address https://personal.vanguard.com is correct. •Look for the page with your search engine. •Refresh the page in a few minutes. •Make sure TLS and ...

I feel so alone.

The fees are too high for me. I can handle the risk.

jeff1949 wrote: I even got to shake Taylor Larimore's hand once or twice in Las Vegas several years ago.

Gosh darn it! I never got to meet him. But if I get any trips in his neck of the woods I'll certainly invite him to lunch.

I was just listening to a radio show yesterday mentioning that the cons are getting much better with grammar. While poor grammar is certainly a flag (as Mel mentioned), good grammar does not ensure it's legit.

By the way, what you are doing makes a lot of sense. (assuming no excessive tax gains) Read this by Allen Roth: http://www.cbsnews.com/8301-505123_162-37742700/vanguard-total-international-etf---the-new-champ/ You are basically leapfrogging from Generation II to Generation IV. Right now, I think VTI...

It's not even close. You are safe. VDMAX is not like VTIAX VEMAX is not like VTIAX I did the same as you a few years ago... Took VWO/FSIIX/VSS/EWC and combined them into VTIAX. While those four funds together approximated VTIAX, no single fund was even close to being identical to VTIAX. You didn't e...

gkaplan wrote:Is that a change in Vanguard policy? I've always been under the impression that Vanguard did not accept third party checks.

Same here.

But one time I accidentally sent them one instead of to my bank account and it went through (lucky for me).

Did the recipients earn at least that much?

It's pretty common that someone accidentally thought they were trying to log in to their account but typed your user name.


My old e-mail was simply my first name. People were constantly accidently trying to reset my password or using it to sign up for iTunes or other pages (but never Bogleheads!)

After looking at Merriman's Fidelity list I think I need to review their index funds again because it appears there is a bunch of new ones. Paul If you do a search for Spartan on Fido they show a total of 13 Spartan funds now. IMO, should cover all most Bogleheads would want. Many do require a $10k...

hicabob wrote:Ameriprise is infamous for usurious fees. It's a testemant to investor naivety that they are still able to pull this off.

America + Enterprise = Ameriprise. Golly, didn't they come up with the better name!?

The top part of the article is covered by green, so I could not read who wrote it and the first paragraph or so. For the 10 years ended Dec. 31, 2012, my moderate (60% equity) portfolio at Fidelity returned 7.8%; in that same period my moderate Vanguard portfolio returned 9.1%. The difference might ...

billyt wrote:No, I put everything in at the beginning of the year, including front-loading my 401(k) contributions.

I also heavily front-loaded my 401K this year, but for personal reasons and not market timing. I guess I lucked out (so far).

I have an HP Pavilion Laptop made near the end of 2009. The battery needs replacing. Can anyone make a recommendation? I do a Google search and they come in anywhere for $15 to $100. I don't want to get a counterfeit that doesn't work, or worse yet catches fire or something. I also don't want used. ...

I read some time ago about a fund that was being set up to invest in Lending Club loans.

Rick Ferri usually comes up with reasonable estimates.

http://www.portfoliosolutions.com/2013marketforecast/

I've been researching some more... maybe I am answering my own question. http://www.investinginbonds.com/learnmore.asp?catid=8&subcatid=53&id=241 Taxable Municipal Bonds There are situations in which a governmental issuer will sell taxable municipal bonds because the federal government will ...

I am puzzled by this one. Why would CREF Bond Market Account, which is a retirement fund, hold municipal bonds? From the latest annual report. MUNICIPAL BONDS 219,813 1.6% We all know it is unwise to hold tax free municipal bonds in a tax-deferred account because not only do you get lower interest r...

I wish you have broken up "Don't Know/Don't Care" into two options.

I don't know but I do care. There are just too many variables to estimate it. I don't know what age I'll start, and I really have very little idea on my expenses.

Yes. It's an excel spreadsheet.

Hello, I have some cash of 50K that I am looking to invest. Can someone clarify if it is a good strategy to buy S&P 500 index fund. I do not have any short term needs with that money. Looking at the historical values in google finance, someone who invested in S&P 500 at market peaks (in 200...

letsgobobby wrote: I went from 25% in 2007 to 35% in January 2008 to 50% in July 2008 to ultimately 70% by mid-2009. that option is not in the poll!

If I ever meet you in person, you're paying for the beer!

I've got a bunch of money sitting in cash, because I was still trying to figure out my asset allocation and thus haven't invested. I'm watching the market climb over the past week or two, and freaking out that I haven't done anything yet. What's a good way to get over this and get it done? If you a...

My understanding of these laws were that they are virtually never enforced. It's mainly if someone can get Medicare but doesn't, the nursing homes want money.

They seem incredibly unfair given the huge variety of family situations.

Why do you strongly favor Admiral shares? I don't really want to get off topic. ETF vs Mutual Fund is a topic that's been discussed endlessly (I actually became a Boglehead poster to ask ETF questions). See the Wiki for the Pros and Cons: http://www.bogleheads.org/wiki/ETFs_vs_Mutual_Funds It's gen...

Actually, you should have added another option...some people overweighed equity. If I were not a Boglehead and did not have a family depending on me, I probably would have broke my AA and been more aggressive. But with a family that would have been reckless. As it is, I stayed the course. I bought s...

While I strongly favor Admiral shares over ETFs, I still have an interest in ETFs in regards to investing theory. I have a theory that I haven't seen posted here before. My theory is this: If U.S. Markets did not convert to Decimals in 2001, ETFs never would have become so popular. This is because t...

I've done it 5 times.

Make sure there is some penalty if they take too long. One move with Allied Van Lines took a month to arrive despite their estimated week or so. This is more common for small households that they piggy-back with the big ones.

For a new investor opening up a Roth or traditional IRA, the lifestrategy funds are a great way to go. They are the 3-fund portfolio, the AA is set (whichever they choose), and all the rebablancing is done for them. Just contribute is all they have to do. The new investor can then continue to learn...

Now I really want one of those....

I THINK I GOT GOLD FEVER!

http://www.youtube.com/watch?v=YNvOl_Yml3U

I was planning on giving my soon to be married nephew, whom I'm fond of, a 1 oz maple leaf gold coin. It's easy for me, I think it's a most interesting gift & it's relatively liquid for the recipients if they so desire. My only concern, is if it would be considered tacky considering modern US s...

Wall Street is not a zero-sum game. For every winner there is a loser. This is not correct. Oops! I mixed that up. :( I meant "Wall Street is a zero sum game." That's still not correct. "A rising tide lifts all boats" is a better analogy. Agreed, as long as you don't put one foo...

Experts Keep in mind there are really only a few bone fide "experts" here... most of us are hobbyists or enthusiasts or just regular folks with an interest. However, collectively, I think we seem to get it right. As someone once posted, you are getting advice from strangers on the interne...

What I see and don't like is your tax placement. Take a look here. Dave is right. http://www.bogleheads.org/wiki/Principles_of_Tax-Efficient_Fund_Placement Also, 75/25 is fine. If you panic and sell next crisis, 90/10 is no good. Know thyself. I was 90/10 your age, but used crisis to buy, had no de...

mickeyd wrote:100%...where do I apply for the certificate that is suitable for framing?

Private message me and I'll send you one. There is a small fee involved.

If you do stay/move to Fidelity, try to use Spartan funds as much as possible.

Marrying a frugal woman.

Best move, financial and otherwise.

\The answer makes it clear that they are talking about securities , stocks and bonds, but the question doesn't say that. I'm willing to buy that "The stock and bond markets tend to reward risk-taking over the long term." But those are not the only kinds of investments. I am not at all sur...

I took it without reading this thread. I got 15 out of 15.

I've been teaching my wife... I'll see how she does...

I keep some there as "2nd Tier" Emergency fund. I don't re-invest distributions. Hopefully I never need to sell it, but if I need a new roof or something I can.

"1st Tier" is Money Market and checking account. That is also used for daily operating expenses.

Should we assume both jobs are equal in all other ways (same workload, same duties, same level of job satisfaction)? If you hate one job and love the other, that will matter more.

BruceM wrote:Some industry rebuttals....

http://www.plansponsor.com/Documentary_ ... _Fees.aspx

BruceM

It wasn't much of a rebuttal.

You need a "Don't Know/Don't Care" option, or "Other".

I agree with Rick...


But this is the other side's argument:

https://www.youtube.com/watch?v=YNvOl_Yml3U