Bogleheads.org

Thanks everyone, this has been interesting reading. I'm going to take a crack at an answer to my own question now, informed by comments above. First, i think I've convinced myself that "rich" investors are still operating on the same risk-return frontier as the rest of us; they don't have ...

I'm very happy and comfortable with my very boglehead-y investment strategy, but I sometimes wonder if the "rules" that guide boglehead investing also apply to individuals with a lot (say, $10+ million) of money to invest. I'm not thinking about people like Warren Buffet who, by virtue of ...

I skimmed it at Barnes & Noble. As I recall, his Step 1 is "find a racket that generates big income for very little work on your part." Then on to the meat of the book, all about how to hire other people/services to relieve you from doing a lot time consuming and unrewarding stuff. At ...

Is there any way to randomize the order of the choices in this poll for future respondents? The first several choices are getting most of the votes, but we don't know for sure if this is because many people prefer these options, or because people tend not to read to the bottom of polls with 20+ cho...

I would like to require that the total annual compensation for Directors and the top three Vanguard employees be disclosed each year. I definitely think this should be included in the poll. It would get my vote. Unfortunately I had to make some fairly arbitrary and uninformed choices to pare the li...

Like a lot of folks here, there's a few things about Vanguard that annoy me. It occurred to me that perhaps Vanguard recognizes and respects the Boglehead community sufficiently to pay attention if Bogleheads speak in unison about a concern. So, with encouragement from Nisiprius, I've collected nomi...

So, DrDoodle, would you like to consolidate and boil down the answers to a list of ten, and post them as a poll? If can post the list here first people can make sure the wording is clear and "debug" any potential issues in how the questions are posed. Here's 11 items that each got multipl...

So, DrDoodle, would you like to consolidate and boil down the answers to a list of ten, and post them as a poll? If can post the list here first people can make sure the wording is clear and "debug" any potential issues in how the questions are posed. I'll give it a shot ... there might a...

Okay; bad news but at least now I know the deal.

Thanks

For 2012 my employer started to offer a Flexible Spending Account, including the ability to put up to $5,000 into a pre-tax account for dependent care expenses. Great; my family spends a lot on preschool! My wife is not working, but she is looking for work (which we can document), so I understood th...

I guess I never really thought there were a whole lot of people just waiting for me to post a craigslist ad so that they can...I don't know, what is it I am supposed to be worried about? Well, there really are a lot of shady doings in the CL world. Least worrisome being people who will try to pay y...

Well, if an Official Boglehead Wish List wouldn't have any special clout, then I guess it's not necessary to do a poll .... but I'd be happy to see what "asks" people might contribute to this thread. For me, my asks would include: 1. More extensive and fine-grained control over the email a...

Not sure where this question should go, or if it's even appropriate for the forum, but .... What if bogleheads voted to collectively identify their most-desired Vanguard services/features/bugfixes/products .... would Vanguard pay attention if there was a strong consensus on a handful of reasonable i...

Hi hey-bay, congrats on your kid and (forthcoming) home purchase. You're obviously putting a lot of thought into it, so chances are you'll make a good choice ... and hopefully you'll be able to avoid worrying too much about making "the perfect" choice, since there really is no such thing i...

Thanks everyone; I appreciate all your advice and experiences. I'm definitely taking to heart the warning about what a headache it can be to have a rental property, and the financial risk of having my wealth so heavily concentrated in two highly-leveraged properties. There's a lot of other factors i...

But are you sure you're unable to qualify for an $800,000 house (I assume that's your price given what you said) and own two homes for an interim period? Based on everything else you said (particularly your $500k in assets, presumably lower-priced home in lousy district), it seems like you have the...

fareastwarriors wrote:How come you don't want to sell your current home?

How old is(are) your kid(s)?

First kid enters K this fall; second one is two years behind.
Just posted a short answer to the other question, just before your post.

Yeah, there's a lot to be said for these viewpoints. We may end up there, but first I want to explore what is the best available option for keeping the "old" house. I'm just not sure what is the best available option. Before you decided you wanted to move, were you hankering to acquire a r...

Mrs. Doodle and I own a house in a lousy school district and are thinking about moving. Ideally, we'd like to retain ownership of our existing house as a rental property (our research and analysis convinces us that rental income will cover PITI). We're pretty much at the limit of our debt-to-income ...

I just saw a note at vanguard.com that they are changing the benchmark indices for 22 funds, including some of the core boglehead funds (VGTSX, VISVX, VTSMX). It seems in general that they're ditching MSCI in favor of FTSE and CRSP indices. Explanation is lower licensing fees, and a mild implication...

I've been thinking my mom might benefit from having portion of her retirement funds in an SPIA, but on doing some initial research I learned that California will levy a 2.35% tax on her (non-qualified) premium. Ouch. I haven't yet decided to what extent this should change our thinking about this, bu...

Since you do not sound reassured by two people telling you it worked out well for them, maybe you should ask if there are any respondents who were UNhappy with the Vanguard CFP advice and porcess. Well, I've actually already seen quite a few comments by people who felt that the CFP advice that they...

I have researched this topic quite a bit myself [...snip...] My understanding is that as a Flagship Client, you have access to a CFP when you need. The same one each time if you like. [...snip...] It is my understanding that once you and the CFP agree on actions to take, you can, if you decide, dir...

BolderBoy, you're referring to the "Flagship adviser" who would be assigned to my mom's account, right? I was thinking more about the "Ask a CFP" service, and how those people (their capability and their services) compare to those that you get with Asset Management Services.

My 80+ year old mother is contemplating taking her ~$1m retirement portfolio away from a Royal Alliance 1% manager and putting it at Vanguard. I understand that as a $1m Flagship investor, she'd be able to "Ask A CFP(r) professional" for advice and guidance at no cost, including developing...

This seems like a really basic question, but I wasn't able to find an answer in the wiki or the forums. My wife (38) and I (46) are doing a full Boglehead reworking of our portfolio , and we're targeting 60% stocks and 40% bonds. I started off thinking that the idea is to increment the bond percenta...

Thanks everyone for the fast and thoughful responses! I really appreciate the consistent advice to not swap a "risky feeling" bond investment for an "actually risky" equity investment (or at least to only do so for a really well-thought-out reason, which I don't have). So, one qu...

My wife and I are working on rationalizing the savings and investments that we both brought to the marriage, and we’d be grateful to receive advice on our situation and plans, as follows: I’m 46; she’s 38. Primary investment goal is for retirement, probably not less than 15 years from now. 15% feder...