Bogleheads.org

As you recommend I never use a link in an e-mail to get my accounts. I would not have logged in or given any personal information if this one had requested it. As I said it was just a link to information. It came from an E-mail that has been mentioned previously on this board as being Vanguard and ...

. I think in this case it is from Vanguard even though it has a live (clickable) link, because the link is simply to a page on Vanguard that is available to the public - i.e. it does not require one to log on or provide any personal information to read. It is simply a link to updated information on...

I've read that book. According to the author, our entire economy is going to collapse, and hyperinflation is on the way. Sell all your assets. Sell your house (!), and rent instead. And buy gold. And subscribe to our service...

The pressure to spend money on anything wedding-related is pure marketing genius. Most people would be quite happy with the looks of a cubic zirconium ring -- but the social stigma would be unbearable.

Diamonds are horrible investments. Forget about that aspect of it.

We just bought a new washer/dryer from Sears not long ago. For the washer, we wanted a basic top-load, without any fancy electronics. We settled on a GE 3.7 cu. ft. washer and a GE 7.0 cu. ft. dryer. Very pleased with both thus far (granted, they are new, but I haven't really had many problems with ...

I've always gone with the initial free warranty with products and footed any repair bills after that. There is a good local repair company. Me, too. I figure that most problems are going to appear within the first year, if the item is defective. After that, anything is going to get wear-and-tear, a...

I did a search found a simular topic a while ago and want to see if people still think it still is a good idea. I have a loan with subaru with a balance of $17k @ 0.9% financing for 5 years. Just finished paying off student loans and are thinking of putting the extra money ($500 a month) to the car...

They can't just live in the house and continue to pay the single parent's mortgage. They'll have to pay off the mortgage, either with money from the estate or with a new mortgage in the new owner's name. In this case, the new owner would likely be a trust of some sort. If possible, the single paren...

The yield on the 10-year Treasury... is near its lowest level ever, prompting some to question whether it can fall much further.

Is there a keyboard macro that financial writers use to automatically insert this phrase in what seems like every other article over the past three years?

Switched to FiOS bundle two years ago, and have no regrets. Not a single issue with phone service. (My Web research shows what seems to be a lot more complains regarding Comcast phone service.) P.S. FiOS blows Comcast cable service out of the water. The Comcast on-screen menus, DVR, etc. look absolu...

I've been thinking about a new mower, and was looking at the Toro Super Recycler, but I'm a little concerned by some of the very negative reviews on Amazon. Granted, there's selection bias in the reviews, but if you look at the most recent reviews, there are a lot of comments that you don't expect t...

Wasn't it just a couple of months ago that Bill Gross advised people to buy gold?

What I want to know is: just how much money does he have to cost his followers before they stop following him?

If you don't want to deal with window film, you could just put up insulated curtains, the kind that filter light (vs. the room-darkening ones.) Keep them closed in the summer, open in the winter.

P.S. Or window shades. The honeycomb kind do a good job of insulating.

I live in NJ and work in NY. My contributions to the NY 529 plan have always been deductible. The amount appears on line 29 of IT-203, as a subtraction in the Federal column. It's a little misleading, but if you look at how the taxes are calculated, as Grt2bOutdoors outlined, then it makes sense. Ta...

livesoft wrote:Look around you. How many Florida license plates do you see?

LOL. I live in New Jersey, and looking at the license plates I see every day, either there are a whole lot of people from out of town, here visiting the relatives, or something else is going on.

Is anyone else happy that the market is pulling back ever so slightly? Psychologically, I feel better with this slight pull back. I'm less apprehensive about buying now, even though I know the substantive effect is minimal. How 'bout you? 100 points or so really doesn't register in my mind as much ...

It is a good example of tuning out the noise and not trying to predict rates. A few weeks ago, when the 10-year rate went over 2 percent (again), most people were convinced (again) that the "bond bubble" had finally burst, and look out below! Right now I'm watching as the rate drops under ...

CountryBoy wrote:Turns out Spybot produced a false positive with that result.

Please do not use Spybot. That program stopped being effective years ago. There are plenty of other free programs you can use (AVG, Microsoft Security Essentials to name a couple.)

I would suggest that over time it does. And when the NAV goes down, you can soak up cheaper shares. Okay. Is there evidence for this balancing out? I asked because I never understood the idea of a bubble in terms of NAV which didn't take into account the fixed-income part of bonds. It's like consid...

My teenager has used this site to get some algebra tutorials. Very useful.

From the article "Empirical studies suggest that an increase in the Treasury yields does not necessarily lead to weaker equity performance. When yields on the 10-year note remain below 4%, the correlation between S&P 500 monthly returns and changes in 10-year yields are positive, which imp...

It's interesting that the people fearful of bonds don't talk about what might happen to equity prices if interest rates soar. They are only thinking about bonds.

Ally Bank is a different institution. You can't buy an Ally CD for your Vanguard IRA. As for a "safe" 1% return at Vanguard, there isn't any such thing. Maybe your best bet is to transfer some of your Vanguard IRA money to an Ally IRA. That way, you can easily have CDs as part of your IRA....

The main problem with EE bonds is the purchase limitation. That aside, the "doubling" effect at 20 years (not to mention the tax-deferral and freedom from state and local tax) makes the EE bond very tasty. The effective rate at 20 years is certainly more than one would currently receive o...

For long term savings, like retirement, I recommend a mix of I and EE Bonds. I-Bonds keep your money from eroding due to inflation and EE-Bonds have the guarantee doubling in 20 years, or 3.53% return. If interest rates remain low for the next 3 years (1.5% average, hypothetically saying), then int...

Some people really do need professional counseling.

Or stated another way, I am putting together a 3-fund portfolio, but thinking about having CDs there instead of VBMFX / BND. You may be interested in these two great articles by a presumed Boglehead: Optimizing Fixed Income Portfolio and Optimizing Investment Portfolio With Municipal Bonds Is the a...

Did the instructions to update come in an e-mail, and was there a link in the e-mail? It is trivial to include a link where the displayed URL says one thing, but the actual destination if you click on it is something else. Often, you can see this by hovering your mouse over the link. The actual cont...

Don't forget about anti-spyware programs such as Spybot S&D as well as the free version of Malwarebytes, both of which I have used to save my friend's PC several times. I would not go near Spybot. It was a good choice a dozen years ago. Now, it is probably at or near the bottom of the list. Mal...

We used to buy Lego sets for my son. Star Wars, Batman, etc. He has outgrown them. We now have a box of Lego parts. Must be 2,000, easily. Maybe I need to fire up the eBay account. Interesting fact I learned from a story on Legos... Every part is stamped with tiny numbers inside. Not only does this ...

I use Avast, it is free, and it is ranked higher than Microsoft Security Essentials on any list I've seen. But MSE is good, too. I'd take either one over McAfee, that's for sure.

The 10-year yield stood at 3.75 just 2 years ago in February 2011. Did you notice "a game changer" by the 1.73 drop to 2.02? I'm not convinced that a 1.73 increase back to 3.75 will mean anything such as "severe collapse in Bonds" as in the subject of this thread (or similar). Y...

You could set up a website (maybe on Facebook), that has a donation link (maybe via PayPal). There are sites for this kind of fundraising. One is called GiveForward (you can Google it, it comes out on top.) One of my co-workers used it for a relative; the company mentioned it in the weekly newslett...

How do you explain that both bonds and stocks have done well over the past three+ years? Haven't we had an equity rally since 2009? It didn't start last month... It would be interesting to see what those return would be if the yield in those years you mentioned was as low as they are now? My point ...

How do you explain that both bonds and stocks have done well over the past three+ years? Haven't we had an equity rally since 2009? It didn't start last month... It would be interesting to see what those return would be if the yield in those years you mentioned was as low as they are now? My point ...

Since bonds have an inverse relationship with stocks, is it possible that if this equity rally continues, the bond market will take a hit, even if interest rates and inflation remains low. How do you explain that both bonds and stocks have done well over the past three+ years? Haven't we had an equ...

dad2000 wrote:The level of protection that it offers is average at best, but no single solution is perfect. I'd recommend pairing it up with something like a nightly scan by Malwarebytes. That will significantly close the gap without affecting performance.

Agreed.

You can expect a flood of "sell in May" articles in mid-spring. Of course, if everyone used this strategy, that would result in a lot of selling in May, so you'd really have to sell in April.

I didn't claim I could tell you. I just said that "forces you to sell high and buy low" is too simplistic. Sometimes rebalancing takes the form of "sell low but buy lower" and sometimes the form of "buy high but sell higher." Neither of these is "sell high buy low...

There were several occasions in 2012 when interest rates were higher -- not lower, higher -- than they are today.

mptfan wrote: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.

The lowest minimum Vanguard offers for an IRA is the STAR fund ($1000). It doesn't matter if you have other accounts or not.

I didn't claim I could tell you. I just said that "forces you to sell high and buy low" is too simplistic. Sometimes rebalancing takes the form of "sell low but buy lower" and sometimes the form of "buy high but sell higher." Neither of these is "sell high buy low...

Based on how the bond market has performed Friday and thus far today, you might already be looking at a higher rate.

Some people are getting excited/nervous over the fact that the Dow is approaching the all-time high it reached six years ago?

None. I fully believe kids need to be taught financial responsibility at a young age, and should work and save while in their high school years and during summer breaks as well as paying your way thru college with part-time work. Studies show kids that pay their own way through school take their ed...

I was a Comcast customer for years, until switching to Verizon a year ago. My experience with Comcast is that you are better off calling them. Tell them you're interested in lowering your bill, and are there any promotions available for your current level of service? If you get the right person on t...

There was a thread on this subject back in September.

viewtopic.php?f=10&t=103263&p=1499829&hilit=bogle+tbm#p1499829

Timely post. I just open my computer and was going to post a similar question. I just left corporate america and am starting my own business. I looked at health care options, and I'm actually having trouble even justifying buying coverage at all. I too am in my 30's, married with kids. Everyone is ...

There have been a few threads on this topic over the years. The consensus answer is that the fund manager rebalances whenever he sees fit. There's no schedule. I think I prefer that to, say, the Vanguard 529 age-based portfolio for college savings, where I believe everything gets switched at once as...