Bogleheads.org

I am done polluting my soil with Roundup. I'm curious why you consider Roundup to be pollution. When used as directed glyphosate is a non-selective poison to all growing plants, but so are strong acids and caustics. Spot application works best. Broadleaf weeds i.e. (dandelions, and etc.) can be con...

Do the T Rowe Price target retirement funds contain any index funds or are they entirely actively managed? I don't claim any familiarity with Price's new line of "other" target retirement funds. But, unless the company were to start up some new index funds, it would be rather difficult to...

I'm going to lighten this thread up a little bit. Too many numbers and acronyms for my small head. Regardless of PM's effect on my portfolio, they have a positive effect on me. Look at how damn sexy this thing is! She has lots of friends, too. :) [ effect? affect? someone correct me if I'm wrong! ]...

Readers of this new thread may also be interested in "That Extravagant Thing You Do," which began in 2009 and was still attracting intermittent new posts in early 2013:

viewtopic.php?f=11&t=36702

http://www.kiplinger.com/tool/retirement/T055-S001-state-by-state-guide-to-taxes-on-retirees/index.php rustymutt, did you actually read the thread before posting? I provided that same link, above, on May 11th. Came back to read the latest post(s) today and thought "this seems familiar." O...

It's always a mystery to me why such threads are allowed to stand, since many others are routinely locked by moderators on the grounds that they are irrelevant to personal finance issues and do not have "actionable" content. Both of those descriptions apply here, too (nothing about persona...

What about Washington state. No income tax, does it rank as favorable? It's on our list of possible someday-retirement places--but because we like Washington, not because it has no income tax, although that's a "background" consideration. It does have a high sales tax, and among the natio...

Not a single mention of Tax-Free New Hampshire! No sales tax; no income tax. But it has a reputation for high property taxes, on average, compared to other states. For example: http://www.kiplinger.com/tool/retirement/T055-S001-state-by-state-guide-to-taxes-on-retirees/index.php?map=&state_id=3...

More than one poster above has linked to the Retirement Living web site. This one from Kiplinger is also interesting. In addition to clicking on any individual state for Kiplinger's characterization of its tax situation, there are also (scroll down the page) "theme" links for lists and map...

Splais wrote:each of these funds has strengths not offered by the other

That is what I would like to know. Could you amplify. thanks.

I don't think I can "amplify" more than the line-by-line, item-by-item comparison in my post above.

Wellesley is typically about 38% stocks. Target Retirement Income is 30% stocks. Wellesley is typically composed of about 60 stocks of giant dividend-paying U.S. companies. Target Retirement Income's domestic stock portfolio is Total Stock Market Index, several thousand companies. Wellesley typicall...

For those interested, there is a similar thread (posters' subjective comments, not a poll, about their retirement finances) running on Morningstar's "Investing During Retirement" forum : http://socialize.morningstar.com/NewSocialize/forums/p/324750/3418481.aspx We're not retirees, so didn...

For cross-reference , here is the OP's other concurrent thread, started yesterday, in which s/he was seeking commentary on a specific asset allocation but said (in a post subsequent to the first) that s/he would start a separate thread about his/her "life circumstances" attitudes toward mo...

There's indeed a lot to admire and be thankful for in Sir Winston Churchill, and in VT for that matter. Still, I had no idea VT was Churchill's father. :D Which is even more of a feat when considering that Valuethinker, although long resident in Britain, is actually Canadian. And that Valuethinker ...

The OP here didn't say what kind of TIAA Traditional contract s/he has. During the accumulation (not yet annuitized) stage, the interest rates on Traditional have generally been lowest in personal IRAs (because TIAA Traditional there is "liquid" and be moved around) and highest in RA/GRA (...

Livesoft, the reason why banks should treat small savers decently is that if they are thinking long-term, it's good business. Banks blather about building relationships. Well, either they want to build relationships or they don't. People have memories. People talk to friends. Treating small savers ...

I have the impression, from the thread history of the Bogleheads forum, that there are a substantial number of people here who also have holdings at TIAA-CREF. The company has announced changes in the future minimum guaranteed interest rate for TIAA Traditional Annuity monies while they are still in...

F4mandolin (original poster), It looks like you joined the forum back in 2008 but (judging from a low post count) may not have visited very often. It's usually a good idea to use that search box feature at the top of the home page to look for similar recent threads. For example, a search for "W...

I remember reading the post you were talking about. However, I still see "Badassity" in the upper right corner where the MMM logo is. Oh, I see it now, raised lettering on that coin image. But--can I really be imagining this memory?--I feel sure it used to be strung across the masthead as...

Guns? Brothels?

[Looking at forum masthead:] "Inspired by Jack Bogle"? I don't think so.

I read him periodically and find him thought-provoking, and the writing style entertaining. He dealt with disputes over whether he is "retired" in this entry about "the Internet Retirement Police": http://www.mrmoneymustache.com/2013/02/13/mr-money-mustache-vs-the-internet-retire...

Ou of curiosity, what were the funds? Did you have "Magellan Mania"? Will be interesting to see what the OP answers. I'm also guessing Magellan, and maybe Disciplined Equity, which was Fidelity's whiz-bang-hot-proprietary-computerized-program-will-pick-the-portfolio black-box quant fund. ...

lucky3 wrote:was there anything you would change or do differently if you had to do it again?

We'd have set aside more money

for the project in preparation for what it actually ended up costing.

gkaplan wrote:I sent him a private message this morning. I haven't received a response yet.

Same here, with a link to this thread, and personal thanks for what I've learned (or tried to learn--Social Security is complicated!) from his posts.

Your low post count indicates that you're new to the Bogleheads forum, so probably haven't taken a look at its policies yet. Political discussions, and discussions or disputes about proposed legislation, are off-limits, and a moderator will probably be along soon to lock your thread. See the "P...

Sidney wrote:
HardKnocker wrote:Diamonds are more easily carried when you flee the Nazis to Switzerland. Gold is darn heavy.

Wonder how the price compares to, say, saffron.

Or frankincense, or myrrh.

Financial writer Barry Ritholtz recently penned this semi-humorous take on "The 12 Rules of Goldbuggery."

http://www.ritholtz.com/blog/2013/04/th ... ldbuggery/

Pcrix has a 100,000 minimum according to my schwab 401k PCRA. I don't have that kinda scratch. There are several other classes of the fund. PCRDX has lower minimum ($1,000?), but the trade-off is a slightly higher ER (much as the Vanguard Investor and Admiral share classes have different minimum in...

ckwDC, I regret the time you spent compiling the expense ratios of all of these funds, as instructed by another poster above. If these are the only funds available in your employer plan, and no fund family other than Price is offered, then the expense ratios essentially become irrelevant, because yo...

I figure that this would be an auspicious time for Nisiprius Investments to announce its new Global Really® Bad® Day® Fund®, a market-weighted index fund mirroring the performance of other market-weighted index funds on the specific days in an index of Really® Bad® Days®. And, best of all, it's Glob...

There's no need for anyone to "guesstimate" the composition of the "new" Target Retirement Income. The revised asset allocation has already been available for some time in a supplement to the prospectus, and both can be downloaded in a single document by clicking on the "Vie...

Langkawi wrote:
MarcMyWord wrote:Here are the biggies in credit union world:

http://creditunionaccess.com/top50creditunions.htm

Pretty stale information (Dec 2008).

Have you found something more recent?

Well, Larry, I certainly see your points about the predictions of some of the Big Boys in recent years. But bringing up Elaine Garzarelli from the late 1980s-mid 1990s? I dunno. Maybe there ought to be a statute of limitations. :) Marc Those who don't know their investment history are doomed to rep...

OAG wrote:They are about the 3d or 4th largest Federally Insured Credit Union in the USA right up there with Navy FCU.

Here are the biggies in credit union world:

http://creditunionaccess.com/top50creditunions.htm

Well, Larry, I certainly see your points about the predictions of some of the Big Boys in recent years.

But bringing up Elaine Garzarelli from the late 1980s-mid 1990s? I dunno. Maybe there ought to be a statute of limitations.

The phenomenon was also discussed in this thread, initiated by Boglehead author Rick Ferri in late 2011:

viewtopic.php?f=10&t=87921

frugalhen wrote:. . . cited Jack Bogle and suggests he is worthy of a Presidential Medal of Freedom.

Not a new idea.

2012

viewtopic.php?f=10&t=99913

2011

viewtopic.php?t=70564

Neuberger Berman, a long-established but not very publicized firm, has a Socially Responsive Fund. Expense ratio higher than the TIAA-CREF Social Choice Equity Fund but lower than the figures listed by nisiprius above for Domini. I've never owned it, but am just aware that it's available. http://quo...

In greater Wash DC area, you have seen explosive urban growth. Traffic, sprawl, all the downsides. My impression of Northern Virginia is that it is all malls, subdivisions and highways (very limited recent experience) compared to say 35 years ago. Pretty countryside concreted over. As in this capti...

Some kind of rebalancing tool (but I admit that I don't have any idea what this would look like or how it would function; it might be impossible to develop a tool that's both powerful enough to be valuable, while also being flexible enough to meet the different needs of different users). Yes. I've ...

Below is a decent way to go global with size/price diversification without a intl sv fund considering etf's... 25% VV - Vanguard Large Cap Index ETF 25% IJS - iShares Small Value 20% EFV - MSCI EAFE Large Value (Developed Only) 10% VWO - Vanguard EM Large 20% VSS - Vanguard FTSE X-US Intl Small Cap...

Munchkin Man, it is good to have you back.

A lot of people were concerned about you and wish you had "checked in."

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Mark Twain said it all : October: This is one of the particularly dangerous months to invest in stocks. Other dangerous months are July, January, September, April, November, May, March, June, December, August and February." As did Will Rogers : Don't gamble. Take all your savings and buy some ...

tfb wrote:I thought proposed legislations are off the limit for discussion here. Or is that only federal but not state?

I thought so, too, but I didn't originate the thread, and was simply trying to clarify the central issue for those who are reading it.

Watty (above), your information about various exemptions or limitations for Georgia retirees, while interesting in its own right, is (please read this in a friendly voice) muddying the subject issue of the thread. As noted in the original post, this is not about general state policies of giving all ...

The article discussed in the Economist article is from the Credit Suisse Global Investment Returns Yearbook 2013 and, as one might expect, goes into considerably more detail than the Economist summary of it. Here's a link, functional at least for now, to the PDF download of the Credit Suisse documen...

mickeyd wrote:[Inappropriate comment removed by admin LadyGeek]

[Reponse to inappropriate comment removed by admin LadyGeek]

My first thought when I read the original post here was that, given my layman's understanding of Vanguard's structure (the funds own Vanguard Group, etc.), I hadn't even realized that taking Vanguard "public" could ever be legally possible, even if some future CEO or board should serious c...

I will "join the chorus" of congratulations. You have been liberating yourselves and can look ahead to future possibilities instead of backwards toward past problems. You are getting some good advice and perspective already, as concerns things to do with the spare money you have. But in yo...

Hi Taylor, There's already an active thread about this: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=110588 and an earlier duplicate thread that was locked by Mel in order to direct postings to the above: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=110592 Since you're also a...

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