Bogleheads.org

Bonds help me sleep - that's plenty return for me.
Any yield on top of that is gravy.

I have done several rollovers into Vanguard for both myself and my spouse, and my experience has been nothing but excellent! Every time the Vanguard rep completed the setup in my Vanguard account, then got the other company on a 3-way call and went through all the required steps with them, and final...

I was stuck in a traffic jam in Yosemite valley inside the national park on July 4th weekend - it's that bad!

In 1996, my team implemented the first touchscreen internet kiosk system in Singapore where people could "do stuff online" by touching "apps" on the screen "from anywhere" - sound familiar?

Today I found out that a project that my work group spearheaded will save our organization millions of dollars per year into perpetuity. It's all internal, and will never be publicized. Beyond doing a delighted happy dance with my coworkers, this anonymous forum is the only place I can think of whe...

Apple TV. Second that. But for YouTube unavailability, Roku is better in almost every other way. The smart TV or smart DVD interfaces are woefully frustrating to use - as far as I've seen. I have dedicated a cheap Windows 7 desktop PC to my TV via HDMI & wireless mouse/keyboard. I enjoy access ...

First I pay them, then I make an end run around their rules to get some of it back, then I congratulate myself.

This is such a twisted game they're forcing us to play. If they can give us 5% back, why can't they charge the merchant 5% less so that the prices can go down?

VT's ER recently dropped to .19%, officially placing it in the "cheap" category (splitting between VTI and VSUX is still cheaper... Go for VT - after all, you wouldn't want a security named VSUX in your portfolio, would you? :o Jokes aside, I wonder why Vanguard didn't go with a TSM + Int...

selftalk wrote:... how do the returns compare to the 3 fund ( total stock market index fund, total international and total bondmarket index fund) 33/33/33 portfolio over time?

The 3x33 portfolio has a 66% equity allocation versus 50% in the 2x50 portfolio - so it's long term returns should be higher over time.

0%.

Reason: "I think it unnecessarily complicates things" - Jack Bogle at Las Vegas 2006 reunion
Reason2: the quote below...

What is this, the gloat post? Of course :happy . Except, around here, we gloat about how small our cars are. :sharebeer And how big our watches are! :D It's been well documented that our leader dons a $14 watch. So I was a little annoyed when Amazon dropped the price for the watch of my choice from...

0.10%.

Darn you TIPS fund for keeping me in double digits

ruralavalon wrote:

Middle wrote:What is this, the gloat post?

Of course .

Except, around here, we gloat about how small our cars are.

I'm too lazy to put pen to paper, so my IPS is "Match Asset allocation to VFORX (Target Retirement 2040)" I think that the need for an IPS is less about the "what" and more about the "why". The purpose is to remember the reason why I chose to do what I'm doing so that,...

Other than expense ratios, which may come down for VT, here's why I don't like the Total World Index and feel that Total Stock Market sprinkled with a personalized alocation of Total International is still the way to go... The global market portfolio might be a good choice for a truly international ...

For a while I juggled multiple credit cards trying to squeeze every cent of cash back possible from targeted categories, and found out that the total/net cash back seldom went over 2% - in fact, it almost always came below 2% - since most dollars charged tend to fall outside the high cash back perce...

> How many investments do you own?
5.

Retirement portfolio: 4
TSM
TISM
Intermediate Bond Index
TIPS fund

529 Plan: (not counted)
Fund of funds "portfolio" which is combination of above

Emergency funds: 1
Short Term Investment Grade

Bank accounts: (not counted)

First of all, in the broad scheme of things, you are only as safe as your primary/password recovery email is. Now, regarding passwords... the xkcd piece above explains it best - most important: (1) make it long - because most attacks today are brute force attacks. After that the most important facto...

If the boglehead approach is based on simplicity, passive index investing and accepting market returns, why are the same bogleheads that preach that simplicity here day after day arguing over different ways to beat the market ? What you are observing is the vocal minority, while the silent majority...

Jake46 wrote:I have a very small position in BRK.B which I bought in 11/2008. The stock is up 67% since then. Hard not to be satisfied.

"The market" is up 100%+ since 11/2008, and that's only for those who didn't re-balance into stocks through the crash.

Although I agree that $300 is not much of a balance that can't be maintained, and also that we consumers are a bit spoiled when it comes to free checking (it's a service after all, so why shouldn't we pay a fee for it?), I think you can simply move to USAA Bank checking or Fidelity Cash Management a...

edkNARF wrote:I...finally built up the gall to post something. Please be gentle:)

Welcome. Don't worry - we do not bite (mostly)

I had a 1.9% auto loan - which I didn't need to take in the first place - but I made calculations that I'd be better off taking the loan and putting my money into the mortgage instead since the mortgage interest rate was higher. But after one year into the auto loan, I decided to pay it off anyway. ...

Best pocket cameras recommendation on a photograher's site:
http://www.kenrockwell.com/tech/recomme ... htm#pocket

p.s. Be sure to use this forum's Amazon affiliate link if you get it from Amazon

I use auto-pay (pull) for my credit cards because I can't set up auto bill pay (push) for a variable amount (statement amount) every month.

I also get paper statements for all the cards so that I am easily reminded to check for errors 25 days before they are paid.

To add to the Gmail recommendation, they also have extra security features like 2-step authentication where they text you a one time use only code that you need to enter along with the password every time you attempt to log in. This is near perfect security for all practical purposes. If you want a ...

When I need to microwave something for 20 seconds, I do it for 22 seconds instead - so that I move my finger one less time. +1 ... another 11 thru 99.99 person here! Nor sure if it's minimalism or laziness though :?: Yep. Many such examples, like... :99 instead of 1:30, or my daily fav 16:66 for 2 ...

When I need to microwave something for 20 seconds, I do it for 22 seconds instead - so that I move my finger one less time.

Congratulations!

I'm dreaming of this day.

so i have come here to the bogleheads forum to ask you nice folks if there is any cure for my current upgrade-itis? :confused My cure was to keep the sound systems (one decent sounding overpriced Bose stereo, and another ok sounding cheap Onkyo 5+1) as is and buy myself the index fund equivalent of...

Led by the 2007 ES350 (first in the Luxury category), Lexus' rating improved yearover- year, and helped Toyota earn the top ranking for the second year in a row.

That's good news for us. We bought a used 2007 ES350 two years ago.

2% Fidelity AmEx - balance autopayed from bank every month - rewards autocredited to a 529 account every month.

That's it!

I'm amazed that we're right around 50% even after starting late (didn't save anything for the first several years of working), couple vacations every year (26 national parks and counting, cruises, $10k trips to meet family in India every other year, etc.), 3 new cars (plus two 5 y.o. useds) in 12 ye...

Here's my anti-virus plan since the above Alureon.A trojan scare... 1. Stop using Windows if possible. Move to an alternate OS, linux (example: ubuntu) or Mac OS or Chromium. This is not because the other OS is inherently any safer, it's just that virus coders target Windows because more people use ...

I used MSE for about 2 years until last month when my Windwos 7 computer got infected by a stubborn trojan named "Alureon.A" - which MSE detected but could not remove. It advised I downlod Windows Defender, create a bootable CD with it, and boot from that CD. It didn't remove the trojan e...

I used MSE for about 2 years until last month when my Windwos 7 computer got infected by a stubborn trojan named "Alureon.A" - which MSE detected but could not remove. It advised I downlod Windows Defender, create a bootable CD with it, and boot from that CD. It didn't remove the trojan ei...

I believe this is an interference engine, when the timing belt goes there will be a catastrophic engine failure, BIG BUCKS to repair (likely a used/rebuilt engine) I would change the timing belt according to the manufacturer's advice. I had a 1998 Toyota Camry - and it was NOT an interference engin...

In this and other threads, some have suggested this new fund shows Vanguard is just bowing to market pressures and has strayed from the ideals of Mr. Bogle. However, I stumbled on this old post from 2009 by petrico that links to a Money article from 2004 . A sample portfolio offered by Mr. Bogle ba...

In 2002, I bought a 5 year old Toyota Camry with 55k miles on it for $9000 ... Local dealer is showing a 2007 Camry, 55k miles for $12.9K. I bought my 1998 Camry from a private party - didn't bargain much - we basically agreed on the then private party value for "good" condition on kbb.co...

Uh oh. Mrs. Boglehead - a consumer item?

This should go to Investing Thoery -
The Zero-eth Law of Foliodynamics: Save. Be frugal & find a frugal spouse.

In 2002, I bought a 5 year old Toyota Camry with 55k miles on it for $9000, drove it for 11 years until it had 198k miles on it, and sold it for $3000 last year. After all those miles, it still didn't make even a single weird noise and drove as smooth as ever. The guy who bought it is hands on with ...

I just ordered a new PC. Found a guy who could get parts from newegg and build the machine. He offers 3 yr warranty/tech support and speaks perfect Arkansas English. It's not too late to change a component or two. Any thoughts? Specs: EVGA 02G-P4-2680-KR GeForce GTX 680 2GB 256-bit GDDR5 PCI Expres...

Just heard Jack Bogle on the NPR news at 10am commenting on the Dow crossing 14000. He pointed out that it's just a number.

http://www.npr.org/player/v2/mediaPlaye ... list=false

Do you complicate your portfolio to lower expense ratios? Yes. Almost all my retirement assets are in tax-sheltered retirement accounts, and instead of simply owning a Life Strategy or TRF fund, I own the components in order to get the admiral shares. It don't bother me though - since the laws make...

While we are it (interest rate market timing mode), wouldn't the short term TIPS fund drop even less compared to the short term nominal bond funds?

Taylor Larimore wrote:If Pat and I could start over, we would own the The Three Fund Portfolio.

Hi Taylor,

Some of us got the opportunity, so we are doing it for you.

Thanks as always for your wisdom.
- Sunny

I cut cable tv completely a few months ago. I do miss some channels, like the history channel and the science channel, but overall, I am happy with the decision. FYI, the History Channel, A&E, and Lifetime now have free iPad apps to watch their shows. You don't need a cable subscription. Thanks...

More than a year ago we started experimenting with Antenna TV + internet streaming combination. I connected an indoor antenna and a desktop computer (via hdmi) to the TV. After trying it out for 2 months, we felt not only that cutting cable was possible, but also that it was actually better and more...

Why sell the diamonds?
Could rebalance slowly by directing the new contributions towards manure.

Fidelity offers a brokerage account (called "The Fidelity Account") with all bank like facilities like checking, direct deposit, ATM card, etc. from the "core account" (cash/sweep account) inside the brokerage account. The ATM card transaction fees are *not* reimbursed. Fidelity ...