Bogleheads.org

... AFAIK the proposal would change rules for all MM funds. Your Knowledge, with respect to the SEC proposing ending reported $1.00 per share Net Asset Values for retail money market funds, is incorrect according to our Librarian's link in his original post. http://www.sec.gov/news/press/2013/2013-...

Thanks for the good wishes, Kathleen. I know your father would be very proud of you. No doubt he's looking down and bragging to everyone, saying "That's my Kathleen!"

Dear Bogleheads, We have our emergency fund and car replacement fund in a high-interest (for these days!) checking account earning 1.74% (when we opened the account two years ago, this account was earning 3%). We would like gradually to move the larger portion of our emergency fund into I-bonds to ...

I want to make my FL condo my primary home of record before I have to start taking my IRA RMD next year. I'm sure other here have done the same and know what is required. Help! Thanks Towdie 1. Exchange your current drivers license for a Florida drivers license with your Florida address. 2. Registe...

The variable rate is decided by the spending habits of the American public, as it should be. So what you are saying then, is that it's MEL'S fault? For publicizing and promoting I-bonds. Now that everybody knows about them, more people are buying them, so the demand is high, and the fixed rates are...

Even though it might seem counter-intuitive, 0% I-Bonds are a good buy relative to 10-year TIPS. The 0% fixed rate is a premium over the negative rate TIPS. Especially since you can always sell them and buy new ones if the fixed rates go up in the future. In addition, the tax on the I-Bonds is defe...

So is the Financial Literacy Project a comprehensive approach to personal finance or is it intended to emphasize the a "Bogleheadish" (low cost, do it yourself) approach to investing? As I read the linked document this is quite ambitious. (I'm not saying that it lacks merit, I just don't ...

I understand how they calculate the composite rate, but how does the treasury determine what the fixed rate should be? Any possibility it will increase from 0 in the near future? The fixed rate is set arbitrarily by Treasury and the are no published guidelines for how they set the rate. IMO, they s...

Has your Monte Carlo modeler tool been considered for inclusion in the wiki, Prune? If not, check with LadyGeek to see if it's something that's appropriate for the wiki. LadyGeek has a copy along with full documentation. She is going to be checking the code for logic errors before we move forward. ...

People say that the Lotto is a tax on people who can't do math. I'd add Variable and Index Annuities to that list also! Mike Piper's example has fairly straightforward mathematics as these VA calculations go. Prof. Moshe Milevsky has published similar examples. But clearly the average retiree isn't...

This thread is locked. Non-actionable.

Lots of good ideas. I think that we should plan on the wiki being the repository of any material (at least for now). When/if we ever get the Bogle Center web site up and running, then we could link to all the educational material that's already contained on the wiki, providing links by subject matte...

Colum is too modest to mention that he built the Detroit Local Chapter into an outstanding unit while he was the Coordinator there.

I'm sure he'll be just as effective in getting a new Local Chapter going here, too.

Good luck to Colum and all the SC Bogleheads.

It's exciting to read this thread, since we had planned to try to produce and accumulate educational material for inclusion on The John C. Bogle Center for Financial Literacy's web site (if/when we get it up and running). It would be great to gather all the various presentations you folks put togeth...

• The information I could find online states it “in vests the deposits of plan participants as part of the general account assets of Standard Insurance Company . The general account includes its fixed income securities portfolio and commercial mortgage loan portfolio. The resulting Stable Asset Fun...

I'm trying to figure out how the math on Series EE bonds' "one-time adjustment" works. Since they are guaranteed to double in value in 20 years, the Treasury will make a one-time adjustment at the 20 year mark to ensure this happens. Currently, they are yielding .2%. Interest is compounde...

The first calculation was correct. Not sure what you are doing with the second one. The increase to 2X occurs only after 20 years. It appears he changed the interest rate for .2% to 2% for illustrations purposes and that accounts for the differences in values. I didn't run the numbers to confirm th...

Hello Everyone: On October 18, 2013, I'll have the pleasure of moderating a Q&A session with this year's Panel of Experts at Bogleheads 12 in Philadelphia. The Panel will consist of a number of authors and other financial experts. Some of the returning Panel members include authors Bill Bernstei...

The good news is that you have something that you just can't get today (a high tax-deferred yield that's free from state and local taxation). The bad news is that they'll mature when you'll probably be in your peak earning years and thus in a high tax bracket. That's a tough call, but you could get ...

Sounds like you've got all the bases covered. Now it's time to just do it. I started a business in similar circumstances in 1967 and it's still a going concern into the second generation (I retired early and my two sons are now running the business).

This thread has become the topic of a blog post on the WSJ web site (link below). Careful what you say because you may end up being quoted! :-) http://blogs.wsj.com/totalreturn/2013/06/03/is-it-crazy-to-be-100-in-stocks/ On that point, a poster going by the name “grabiner” noted, “… my standard adv...

Hi Taylor - thank you kindly for the link to our site! I'm glad my summary has been warmly received by the Bogleheads community. Life-Life Balance is made up of four authors, we're UK-based, although with strong travel ambitions. And yes, we're 20-somethings, with plenty more to learn! :wink: I thi...

Not sure if this has been posted before or not. Good news about Vanguard lowering fees on four funds and 1 ETF.

http://www.morningstar.com/advisor/t/75 ... -1-etf.htm

This thread has become the topic of a blog post on the WSJ web site (link below). Careful what you say because you may end up being quoted!

http://blogs.wsj.com/totalreturn/2013/0 ... in-stocks/

Here's a column I wrote for Morningstar nearly four years ago on this subject. The column was titled "Fixing Target-Date Funds".

http://news.morningstar.com/articlenet/ ... Id=2686718

We have had many discussions about Vanguard security issues and questions. Now, Vanguard wants to change its authorization to access our bank accounts. No one has any comments on this? I would think this subject would be important to many Bogleheads. Since this change will broaden Vanguard's abilit...

Non-actionable. This thread is locked.

Vanguard's Target Retirement Income Fund would be my choice. Mel, What is the reason for picking this one if you don't mind me asking. I have almost 50% in it now. Thanks, If the asset allocation (30% equities and 70% bonds) meets your desired asset allocation, then it's a nicely-diversified portfo...

Please post your comments to the original thread that Gordon linked to above. This thread is locked.

This thread has run it's course and we're getting snarly responses. This thread is locked.

Last year we had a breakout session during the book signing, and it was well received, so we plan to do the same thing again this year with perhaps two breakout sessions. Hi Mel, Breakout sessions usually run in parallel, and participants can attend only one of them. Are you planning something like...

Mel, I will be attending. Can I buy my brother a ticket? He expressed an interest recently but has not been on the web site. I think he would benefit greatly from hearing the speakers and talking to other Bogleheads. Sure you can. Just print out two registration forms (you did request the form, did...

Any spots available? Are books available for purchase onsite or do we need to purchase elsewhere and bring along? Thanks Steve Yes, Steve, there are still some spots available if you act promptly. We've had more requests for registration forms than we have spots, but some of those folks still haven...

Politics is off limits and we've got way to many political comments, so this thread is locked. [Political comments removed, thread remains locked. --admin LadyGeek. "In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited...

Has the possibility of adding breakout sessions around certain topics to the Bogleheads conference ever been considered? At other conferences which I have attended, I've found these sessions to be very useful and informative venues for sharing knowledge. Thank you to the organizers for coordinating...

Bogleheads: In March of 2000, at the peak of a bull market, Mr. Bogle and Mr. Cramer were keynote speakers at a Miami Money Show. Mr. Bogle warned about the stock "bubble" and urged his listeners to maintain a healthy allocation to bonds. Mr. Bogle was followed by Jim Cramer. Mel and I st...

A number of violations of forum policy had to be removed from this thread. It's now locked. From the forum policy: New threads in each of these subforums must meet the following requirements - It must be personal. In other words, you must be asking about your own situation. You can also ask on behal...

It always pays to check one's spam/junk mail folder in situations like this when you're expecting an immediate response and you don't get it. Oftentimes, it can be found there. I agree that 1/2 hour is a long time in a situation like this where the response normally comes promptly.

Hikes_With_Dogs wrote:I would never retire to Florida. It's extremely expensive as they tax assets. And I don't want to deal with hurricanes.

Don't know where you're getting your information, but hat's simply not true. And Florida doesn't have an income tax either.

The responses you've received all jive with my experiences, so you need to think long and hard before you put something out there that might come back to bite you later on. Some folks like to talk to the press, and others decline offers because of their privacy concerns. Once it appears in Kiplinger...

Hello Everyone: Once again I'll have the distinct pleasure of moderating a Question and Answer session with our friend and mentor, Jack Bogle. The Q&A will take place at our annual get-together with Jack at the 2013 Bogleheads Conference in Philadelphia on October 16-18, 2013. Many of you won't ...

I currently hold a TIPS fund (VIPSX) in my Roth and Traditional IRAs. I'm pretty tightly constrained on tax advantaged space and I just noticed that VIPSX's real yield is -1.05% whereas I Bonds purchased today come with a real yield of 0%. Is this the free lunch for small investors that it looks li...

Mel - this page (http://www.bogleheads.org/forum/viewtopic.php?f=9&t=778#wrap) still doesnt display Chapter 55. Do you know why? It's a holiday. I've sent the information to the volunteer Boglehead who maintains the map, and he'll be adding your group as soon as he's able to do so. Once the map...

Another great expose by Allan! I'm sending in my money for Allan's REMARC hedge fund. It will be a sure winner (it will do the exact opposite of Cramer's buy and sell recommendations). Allan will be a member of the Experts Panel at Bogleheads 12 in Philly in October. http://www.bogleheads.org/forum/...

It's official. We now have a new Bogleheads Local Chapter in New York City. You are Local Chapter #55. Forum member quanuec (first name Tarun and email address - bogleheadnyc@gmail.com) has agreed to be the Local Chapter Coordinator. Feel free to use this Local Chapters sub-form to communicate with ...

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I am interested in meeting bogleheads near the New York city area. If there is sufficient interest in this thread, I will try and arrange a meetup. Please reply to this thread if you would be interested in meeting up. avram - thanks for your offer to help. I will write to you to ask for tips on set...

Lon wrote:Living year round on a Sandy Beach would be a real grind.

Don't knock it until you've tried it. Many of us "Sandy Beach" folks feel like we've died and went to heaven.

I suppose if we ever get back to a more typical yield environment it'll make sense to rotate out of the .59 and .60 bonds. Unless it would be better to wait to they double "Treasury guarantees that an EE Bond will be worth at least its face value after the first 20 years. If an EE Bond does no...

JDaniels wrote:

chaz wrote:I second St. Augustine.

I third St. Augustine. We live 30 minutes north and we visit there often. Great beaches, restaurants and tons of character. The oldest city in the country.

Good luck!

I'll "fourth" St. Augustine. Lovely place with lots of charm and vitality.