Bogleheads.org

It's a good shtick and a dramatic illustration of how disruptive Vanguard has been to the U.S. fund industry.

And now the food industry, apparently.

Full Disclosure: Offer Description - There's other "stuff", probably nothing new, but I need to be reminded these days. I mean, ten bucks?? If I remember or learn one new thing.....Plus there's all that page turning, with color pictures and quotes from the Boglehead regulars - SOLD! http:/...

I thought this was funny enough to share. I quit Money 15 years ago, but today I got an offer to renew my Money subscription, with a guarantee. http://imageshack.us/a/img853/5117/guarantee.jpg I can guarantee I'll be getting a refund. How can they tell if I don't already follow their money saving ad...

Get used to it, the market goes up and down. Always has always will. The DJIA went up 3000 points in the past 12 months, so a pull back is necessary for it to continue. Relax, maybe this will make you feel better: I was about seven years into my most diligent investing cycle, when in 1987, on a part...

EyeYield, I think this is the part where Jack Nicholson's character comes in and states: "You can't handle the truth!" You make some good points. Thanks Blues. For instance peole smoke or eat mcd bc they like it. They know its bad but like it. dhodson: I believe it's the same thing, thus ...

If we take education out of the equation and focus on those who know the evidence, as the article implies - you can't ignore what you don't know, then we can better understand the "why". And the whys are as varied as the individual. Could it be that ignoring the evidence allows people to f...

I gave him a 30 second Bogleheads overview and recommended some books for him. He didn't come back. Isn't it amazing how some people don't want to read and make educated decisions for themselves. It's a huge responsibility to take charge of one's life and the hesitating thought of " what if I'...

Craze? That takes me back to my all time favorite craze.
http://www.nytstore.com/Hula-Hoop-Craze ... _4790.html

That was the year the Dow started off at 439.27; lovely memories.

Almost certainly not. Gold you can do an ETF because storage costs are low. Any other commodity? Storage costs are high. Then you have obsolescence. And there are no financial futures on durable goods. There are ETFs for the industrial sector, or for consumer cyclicals. Those are your best bets. I ...

You know, vacuum, appliances, refrigerator, ge, sears, keurig and so forth. Not general consumer goods, like Coke.
I can't find a an ETF with the specific "Durable" index. Is there such a thing?

One program that I've found, that seems to be worthwhile is the Junior Achievement Program. I know little more than what my xbroker told me and what's on the site, but it seems like a good fit for me, so I've volunteered. Will report back after I have some personal experience. Has anyone participat...

One program that I've found, that seems to be worthwhile is the Junior Achievement Program. I know little more than what my xbroker told me and what's on the site, but it seems like a good fit for me, so I've volunteered. Will report back after I have some personal experience. Has anyone participate...

The government couldn't care less about financial literacy. If you remove the word "financial", is the statement still true? If the general population was more literate - in general, including financial, do you think they would've signed homes loans they couldn't afford? Did the governmen...

I've brought this subject up a few times and have tried to get my local school district involved in an introductory course for graduating seniors, but the obstacles are overwhelming. Teaching kids how to balance a check book and not live beyond their means, is in and of itself a major undertaking. I...

What the heck is going on in the Boglehood?? I expect an occasional speculation thread, but gambling on speculation? Please. Lets call the show Mad Money what it is: A tv show. A tv show that is sponsored by brokerage firms who make money from trading costs. Cramer is doing a great job apparently, s...

If you have nothing invested, you'll have nothing to compound. If the market goes down, compounding allows you to accumulate more of your investments at a lower price point and from the moment you start you will always be compounding at the fair market value. If you're just starting a long term inve...

I was running around the Rose Bowl near Pasadena Off topic, but partially on because this is my cure for a lot of running/martial art injuries; swimming?? After a good run around the Rose Bowl, ever take a dip here? http://www.rosebowlaquatics.org/ Love the live cam, where you can see how crowded i...

I've got a problem with Fidelity! I'm pissed! I've been with Fidelity for 35 years and have never had a problem. I also had an account with MS predating my Fidelity account. Two years ago I (mistakingly) brought all my DRIPs to MS and received some hefty rebalancing advice. Since I never listen to a...

Another look? Anyone who does their own due diligence has long ago tracked the predictions of the talking heads blowhards. I guess it makes some people feel good when the loudest voices are wrong, but come on, somebody has to sell advertising. Since we all watch these shows with the sound off anyway...

Your responses helped me decide to go ahead and buy the Vanguard funds now instead of waiting for any sort of market correction. I found myself looking at a video on cnbc today with a "stock market expert" talking about how the market is ready for a reversal. My first thought was good for...

It doesn't appear that anyone actually deciphered all the information from that link. If you had, you'd see all the fantastic value that can be had for a very low price. Your Entire Package Includes: The NY Times Best-Selling Book Aftershock . . . . . . . . . . . . . . . . . . . . . . $28 value The ...

A closer apples to apples comparison. http://quote.morningstar.com/fund/chart.aspx?t=JCMVX&region=USA&culture=en-US&statePara=%7Bsecurities%3A%5B%7Bn%3A%22JPMorgan%20Mid%20Cap%20Value%20C%22%2Cids%3A%22FOUSA02T00%7C0P0000330W%7CCU%24%24%24%24%24USD%7C1%7C1%7CFO%7C2001-4-29%7C%7C%7Cfalse%...

Depending what your interest are, there's the Museum of Fine Arts, which is not too far from Symphony Hall, which has free tours, I believe, or maybe if you're lucky John Williams might be performing while you're there. (Probably sold out, but I found this notice) Hooray for Hollywood May 28, 2011, ...

the farther out the payment is, the greater the risk (both that the borrower will be unable to pay, and that rising rates will decrease the present value of future payments). Thus a loan with equal payments has a shorter duration than an equal-term bond (which is typically an interest-only loan wit...

I have an opportunity, a good one I think, to invest in a business expansion. I can be an investor and get a piece of the action or just make a loan, which I prefer. What are the advantages of taking the interest as payment on a monthly basis and have the principal paid at the end of the term, like ...

When I asked about their performance in relation to an index fund they claimed that they can do much better than those because they use funds through Fidelity that are no-load or load-waived. I apologize for beating the dead horse, by responding to the same quote I responded to earlier, but this se...

When I asked about their performance in relation to an index fund they claimed that they can do much better than those because they use funds through Fidelity that are no-load or load-waived. Ask for an example and compare it to the corresponding indexes over the past 30 years, then subtract 1.5% f...

Thanks everybody for the suggestions. There's probably an easy way to replicate the fund by combining other funds as has been mentioned. As I tend to move from individual equities and managed funds (as tax gains allow) to index funds and more muni's, I'm still attracted to the Wellesley fund. I just...

You may wish to also look at Fidelity's Spartan funds, which are competitive with Vanguard funds in terms of expenses. That's a good suggestion for just about anything, but I'm interested in the Wellesley fund and I haven't seen anything that mirrors that. But maybe I'm missing something? It's prob...

I recently tried to buy some Admiral shares at Fidelity, but they wouldn't allow it even though I was trying to buy over the minimum amount needed. It's not bad enough that I have to pay $75 to buy a Vanguard fund at Fidelity, but this is the process I have to go through to make it happen. Thank you...

I wouldn't drop it just yet. Call back, talk to a supervisor. Say that you have a competing offer (TD Ameritrade will do). You'd prefer to stay, but you feel they let you down on this and you're planning to move it back out if they don't reconsider. Yes, don't drop it. I transferred my second accou...

Don't a lot of people trade these stocks with no care about the divs? Therefore causing the the stocks to rise on fall on normal market movements. All things being equal, the payment of the div would still devalue the stock, but are all things really equal? Is there a reliable way to measure this? W...

He opened up a Roth IRA and will trade online when he gets home. I gave him no advice, but the licensed broker recommended some managed funds that had great 5 year track records. My friend said that his friend, an experienced trader, recommended he put everything in IBM, because it was going to pop,...

I'm surprised at the responses, extreme indeed. Giving advice without a license? Come on. We've been over most everything mentioned. Books were my first suggestion, but this kid is a full time college student with a part time job and has told me he doesn't have a minute to read outside of his educat...

I've been preaching to the local youth (early twenties) for sometime about the importance of investing and indexing. They are finally coming around and I'm going with my first converted tomorrow to open his first account, along with a number for my number two converted and it looks like things may s...

Thanks for the chuckle Taylor.

Barron's could be reduced to one page:

Indexing Wins: So Index!!

There are risks associated with investing including the possible loss of principal." Wisdom Tree

Seems oddly out of place.

I would stay clear of any actively managed fund that, a) tries to beat the market, b) is glorified on a radio show, or c) bragged about by the fund managers themselves, by showing how great they have performed over the last three to five years. This leads to popularity and flocking to by the sheep, ...

EyeYield, In this particular case (divs re-invested) a visual representation would best be seem by comparing on the same graph two opposing funds of relatively the same characteristics, one paying dividends and the other not. In this particular case if you haven't spent anything, they will perform ...

So it doesn't matter if you take the dividend and spend it or if you have another stock of the same characteristics but doesn't pay a dividend and you sell the stock to generate the same amount of cash as the dividend you must end up in the same place. Best wishes Larry But if it's reinvested, as i...

FinancialDave wrote:
EyeYield,

Your plan sounds very close to mine, except that I am only withdrawing 2% or less, and the rest is in a growth portfolio.

fd

Yes, I've been able to relate to many things you've said, but now I feel I have to withdraw 1.95% or less, just to be competitive.

The fact that a company pays a dividend is IRRELEVANT to the return investors earn. Thanks for verifying that, I was going nuts trying to find evidence that when a company started paying a dividend, it some how magically started under performing with returns. The negatives are much less diversifica...

It amazes me the length to which people will go to try and find some reason to justify what is not justifiable. It simply makes no sense, just psychological crutch, a mental accounting issue.If that is what is needed to keep an investor disciplined, that's fine? But that doesn't change the fact tha...

EyeYield: While my dividend reinvestment program (DRP) doesnt go back nearly as far as yours (mine began in 1994/5), I faced the same situation. My cash flow didnt generate large sums and it was much easier to write a check for $100 - $500 on a quarterly then monthly basis. Mutual funds were used f...

Way, way, way, back in the day, when buying stocks meant paying a broker $100 to enter a trade, I was taught the low expense method of investing. You bought stock directly from the company through dividend reinvestment plans and reinvested the dividends. Four times a year I would get a statement and...

Perhaps this thing that is old should be new again.... http://en.wikipedia.org/wiki/Home_economics Whatever works. I suppose it could be feasible to teach someone how to bake a cake and then parallel the steps to asset allocation. The four pillars of baking your portfolio; defining your mix. :P

Fallible Good for you and I hope you won't give up. Also, I think it's pretty well agreed on by educators that parents also need to teach their children about personal finance. Do you know if schools actually ask or suggest to parents that they do so? I haven't seen any evidence of the schools spec...

These stories make me sad because they illustrate the extremely low level of financial literacy is in America. Websites like this one do a great job helping to educate a few thousand investors per year. Now, if we could only figure out how to reach the remaining 100 million individual investors. Ri...

Just as realistic as a 90% gain.

So apparently they told their clients to sell everything late in 2007 and told them precisely when to get back in early 2009?? And their clients actually listened and have the statements to prove it? Or maybe they didn't lose money until they failed to get back in at the perfect time and accumulated...

Dr baseballdad94 I'll let the more learned here respond to your concerns, but let me just tell you I feel your pain. I just left my MS "adviser" who is a personal friend and I know how hard it can be. I use quotation marks because "adviser" can mean anything you want it to mean. ...