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Re: Prove adding SV will increase E(r) given the same risk

Lately, I have seen many posts similar to "adding SV and more bonds to market/bonds portfolio will increase the expected return at the same risk." First, here's Jack Bogle's take (2012) on expected return: http://www.morningstar.com/cover/videocenter.aspx?id=571370 Benz: So, let's start w...
by YDNAL
Thu Jul 31, 2014 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: Prove adding SV will lower the risk, given the same E(r)
Replies: 10
Views: 279

Re: International investing. A good call by our mentor.

. Investing is NOT science. Water boiled at 212°F (99.98°C) at sea level in each of the last 15 years, the next 15 years, and 15 years after that. Stocks (US and non-US) behaved a certain way in the past and the behavior is unknown in the future. PS. "In this world nothing can be said to be cer...
by YDNAL
Thu Jul 31, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 19
Views: 1879

Re: POLL: Do you own corporate bonds?

With all the talk of tilting towards corporates, I'm curious how many Bogleheads use corporate bonds in their portfolio? Thanks! You may select 1 option Yes, I own a dedicated corporate bond fund or individual corporate bonds. Yes, but only as part of a total market bond fund. No, I only own govern...
by YDNAL
Fri Jul 25, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 35
Views: 2102

Re: Adding Corporates to Total Bond Market Index

Landy, You missed my point. I have an allocation to ST IG and LT Tax-Ex for rebalancing if/when needed. In fact, if you take a second read you will see I said that in my original response to you. I'm not conflating anything and your "stay the course" and mine may be different in ingredien...
by YDNAL
Thu Jul 24, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 6626

Re: Adding Corporates to Total Bond Market Index

Welcome back Landy.... The most realistic solution I see for today's interest rate environment is ST IG (LT Tax-Ex in taxable) for rebalance money, which has a better interest rate rise recovery rate (yield/duration), and the rest in IT IG corporates. I don't like it, but I like it better than what...
by YDNAL
Wed Jul 23, 2014 11:09 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 6626

Re: Adding Corporates to Total Bond Market Index

... As for the rebalancing bonus with Treasuries, I wonder how many people actually sold their precious Treasuries to buy equity during that crisis. I suspect very few. When discussions about rebalancing take place, the "rebalancing bonus" always raises its [ugly] head. I see it from a di...
by YDNAL
Wed Jul 23, 2014 8:15 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 6626

Re: Adding Corporates to Total Bond Market Index

.... Can you let me know what you are saying in level clear language? Sorry, but I don't see the "unleveled, unclear" language in a synopsis I made of what you had said. Unless one panics and wants to cash out one's bond holdings during a temporary dip in bond prices , why should we gear ...
by YDNAL
Wed Jul 23, 2014 7:34 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 6626

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

YDNAL - I hope you didn't take my response as snarky because I didn't mean it as such. No, I responded to your post. 1. IF you are convinced that you own only 75% of the 401K, the AA to manage risk should reflect it . 2. Meaning that you need to rebalance out of Equities into Fixed Income (per &quo...
by YDNAL
Tue Jul 22, 2014 10:01 am
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 77
Views: 3685

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

Your Roth IRA is set up as follows: $50,000 in Total Stock Market. Your 401k is set up as follows: $25,000 in Total Stock Market. $75,000 in Total Bond..... What is your asset allocation right now, for rebalancing purposes? Is it: 50% Bond / 50% Stocks (75K each) or is it: 45% Bonds / 55% Stocks, b...
by YDNAL
Tue Jul 22, 2014 7:33 am
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 77
Views: 3685

Re: Adding Corporates to Total Bond Market Index

Recall especially how corporates, even highly rated ones, behave in a crisis. They tank. Recall how treasuries behave in a crisis. They soar. Just look at the spread between corporates and US treasuries in the 2008 crash. Corporate bonds behave like stocks in a crisis, treasuries behave the opposit...
by YDNAL
Tue Jul 22, 2014 6:51 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 6626

Re: Adding Corporates to Total Bond Market Index

Recall especially how corporates, even highly rated ones, behave in a crisis. They tank. Recall how treasuries behave in a crisis. They soar. Just look at the spread between corporates and US treasuries in the 2008 crash. Corporate bonds behave like stocks in a crisis, treasuries behave the opposit...
by YDNAL
Mon Jul 21, 2014 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 6626

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

Your Roth IRA is set up as follows: $50,000 in Total Stock Market. Your 401k is set up as follows: $25,000 in Total Stock Market. $75,000 in Total Bond..... What is your asset allocation right now, for rebalancing purposes? Is it: 50% Bond / 50% Stocks (75K each) or is it: 45% Bonds / 55% Stocks, b...
by YDNAL
Mon Jul 21, 2014 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 77
Views: 3685

Re: Do any bogleheads hold the "Larry Portfolio?"

With all the discussion about Larry Swedroe's SCV tilt portfolio on the board, I'm curious whether anyone besides Larry actually holds this portfolio allocation and how they're feeling about it. It's a curiously un-bogle like allocation. As I understand, we're talking about a split of approximately...
by YDNAL
Sat Jul 19, 2014 10:37 am
 
Forum: Investing - Theory, News & General
Topic: Do any bogleheads hold the "Larry Portfolio?"
Replies: 18
Views: 2403

Re: Sudden Wellington drop?

Bump!!! ....regardless of the level of experience, a buyer should know what they buy . • For mutual funds/ETFs, certainly know most basic things such as how much it costs to own, underlying holdings, distributions, etc. • The posters that don't know the basics of their funds, have not done sufficien...
by YDNAL
Sat Jun 21, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 79
Views: 6488

Re: Who are the BogleHeads.org heavyweights?

Beautiful, nedsaid! Exactly the sort of post I was looking for. Someone who has been around for a while with suggestions on their own personal favorites. Now I have a question -- where is YDNAL? The search page (http://www.bogleheads.org/forum/memberlist.php?mode=viewprofile&u=1626) says this u...
by YDNAL
Tue Jun 17, 2014 1:48 pm
 
Forum: Forum Issues and Administration
Topic: Re: Who are the BogleHeads.org heavyweights?
Replies: 2
Views: 1085

Re: Grantham's Latest

Yeah! “ The bull market may come to an end any time , indeed as I write it may already have happened,” Mr. Grantham said. << snip >> ... probably (i.e., over 50%) will not end for at least a year or two and probably not before it reaches a level in excess of 2,250 on the S&P 500.” Each one of u...
by YDNAL
Sun May 04, 2014 9:43 am
 
Forum: Investing - Theory, News & General
Topic: Grantham's Latest
Replies: 8
Views: 1037

Re: Mea culpa [100% stock at 50]

On a side note, I do have two friends who are in their early 50s and one is an investment professional and years ago they were the first people to tell me to not hold bonds and go 100% in the S&P Index Fund (which is how they have been invested for years). I asked if they still feel this way an...
by YDNAL
Sun May 04, 2014 9:14 am
 
Forum: Investing - Theory, News & General
Topic: Mea culpa [100% stock at 50]
Replies: 46
Views: 5353

Re: Vanguard's Small Cap Value Fund Expense Ratio Goes Up

[OT comments removed by admin LadyGeek] 4) I think it matters that lately Vanguard can't seem to post accurate information on their website and has to keep revising it (while not acknowledging all of the revisions they've made). [Response to OT comments removed by admin LadyGeek] Now, on topic, I l...
by YDNAL
Sun May 04, 2014 8:28 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Small Cap Value Fund Expense Ratio Goes Up
Replies: 41
Views: 7331

Re: How do I find out about a stock that no longer exists?

lululu » Sat May 03, 2014 12:19 pm lululu has come up with a different company. I could be wrong, so I'll wait to hear from others. If anyone had actually read the link I posted in the first reply, they would know it said what happened to the company the OP asked about. Agree, lululu. However, some...
by YDNAL
Sat May 03, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: How do I find out about a stock that no longer exists?
Replies: 9
Views: 847

Re: Grantham's Latest

Grantham has been discussed many times here, so I figured this latest WSJ article on his current thinking was "actionable": http://blogs.wsj.com/moneybeat/2014/05/02/jeremy-grantham-on-bubbles-i-am-sure-it-will-end-badly/ Yeah! “ The bull market may come to an end any time , indeed as I w...
by YDNAL
Sat May 03, 2014 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Grantham's Latest
Replies: 8
Views: 1037

Re: An easy way to save money: Avoid the $300,000 car.

Taylor Larimore » Thu May 01, 2014 5:22 pm wrote:An easy way to save money: Avoid the $300,000 car.

I thought Taylor leased a new Lexus LFA. :)
by YDNAL
Sat May 03, 2014 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: An easy way to save money: Avoid the $300,000 car.
Replies: 152
Views: 17256

Re: How do I find out about a stock that no longer exists?

Thanks lulu but the company is Pensylvania Engineering Corp not Pensylvania Engineering Works or Pensylvania Engineering and Manufacturing Corp. It appears to be Pennsylvania Engineering & Manufacturing Corp. founded in 1942, listed in 1966 on Nasdaq (PNN). Now a private company. http://www.pen...
by YDNAL
Sat May 03, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: How do I find out about a stock that no longer exists?
Replies: 9
Views: 847

Re: Vanguard's Small Cap Value Fund Expense Ratio Goes Up

cb474 [OP] » Mon Apr 28, 2014 4:50 am I just saw that the expense ratio on VBR/VSIAX, Vanguard's small cap value fund, has gone up from .10% to .12%. (Not sure what, if any, change there was for the investor shares.) That surprised me. I haven't seen the ER on a Vanguard fund go up before. It's not...
by YDNAL
Sat May 03, 2014 8:50 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Small Cap Value Fund Expense Ratio Goes Up
Replies: 41
Views: 7331

Re: Mea culpa [100% stock at 50]

As of January of 2014 I have been 100% stocks. I'm turning 50 this June and after being a pretty conservative investor with a 70/30 portfolio I realize, I have no business in a 100% stock portfolio even if Warren says so. As of tomorrow I go back to 70/30 and will slowly take that down as I age to ...
by YDNAL
Wed Apr 30, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Mea culpa [100% stock at 50]
Replies: 46
Views: 5353

Re: Social security at 62 vs 70

Here's a simple explanation: Delay Social Security to age 70 and Spend more money at 62 $309/month increase for waiting until 70 collect social security. Sorry but my time during my golden/retired years are worth way way more than that. I'm collecting SS as soon as I can get it. My savings and inve...
by YDNAL
Wed Apr 30, 2014 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 76
Views: 5740

Re: Social security at 62 vs 70

Lets run some math. Your choices are 1500/month at 62 or 2600 at 70. Assume I spend 2600/month and have 500k 4% real Take it early age 70 563k age 84 739k age 90 850k by taking it late age 70 394k age 84 629K age 90 768K To end up with more money you need to live til 90 and have 2% real returns. Mo...
by YDNAL
Tue Apr 29, 2014 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 76
Views: 5740

Re: Vanguard response to issue of average annual returns

Frans » Mon Apr 28, 2014 5:44 pm ....Not a word about Vanguard personnel misinforming Vanguard members, not a word about my question whether or not Vanguard has or will petition the SEC to change the terminology, not a word about my question of possibly adding footnotes to clarify the issue. Frans,...
by YDNAL
Tue Apr 29, 2014 7:51 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard response to issue of average annual returns
Replies: 32
Views: 4587

Re: Convince me to lump sum into the market

A month or so after a recent seven figure windfall, I'm getting ready to execute my portfolio plan which calls for a reasonable equities allocation. I'm not one to normally time the market, but I'm really not feeling very confident about getting into the market at this level. That's why I'm thinkin...
by YDNAL
Sun Apr 27, 2014 8:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Convince me to lump sum into the market
Replies: 57
Views: 11035

Re: Savings Rate what do you include?

I must still have trouble reading, because you said sure there is, which read to me as a response to the immediate preceding portion of the quote. Let me repeat (as edited): freddie » Fri Apr 25, 2014 10:49 am [Saving rate is the same but if the goal is to have enough cash to match their spending n...
by YDNAL
Fri Apr 25, 2014 2:26 pm
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5466

Re: Bogle: Tilt To Corporates For More Yield

Doc wrote:All of which makes it perfectly clear of what I should do with my FI portfolio. :wink:

Stick with Treasuries!* :wink:

* they do [should] what you want them to do when you need.
by YDNAL
Fri Apr 25, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Bogle: Tilt To Corporates For More Yield
Replies: 73
Views: 8883

Re: Savings Rate what do you include?

freddie » Fri Apr 25, 2014 10:49 am ...Who is saving more a)Person who makes 1 million, spends 200k on living expenses, saves 400k and pays 400k in taxes for a savings rate of 40%. or b) Person who makes 100k, saves 40k, spends 40k, and pays 20k in taxes for a savings rate of 40% Saving rate is the...
by YDNAL
Fri Apr 25, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5466

Re: Savings Rate what do you include?

freddie » Fri Apr 25, 2014 10:49 am ...Who is saving more a)Person who makes 1 million, spends 200k on living expenses, saves 400k and pays 400k in taxes for a savings rate of 40%. or b) Person who makes 100k, saves 40k, spends 40k, and pays 20k in taxes for a savings rate of 40% Saving rate is the...
by YDNAL
Fri Apr 25, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5466

Re: Savings Rate what do you include?

Now, the only real trick here is that you must differentiate Expenses from Transfers. Consider a home (an asset) with a mortgage (a liability). Now, when you pay your mortgage, a portion of that payment will be considered expense (e.g. the interest portion of the payment). A portion will be conside...
by YDNAL
Thu Apr 24, 2014 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5466

Re: Vanguard Small Cap Index Inv (NAESX) - Questions...

It's called risk for a reason so there are two questions one being whether a mid/small index should be expected to outperform a small/micro index going forward and whether the R2000 fund properly captures its equivalent index. With historical perspective in hand, then, what is the basis for you to....
by YDNAL
Thu Apr 24, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Small Cap Index Inv (NAESX) - Questions...
Replies: 30
Views: 3519

Re: Vanguard Small Cap Index Inv (NAESX) - Questions...

YDNAL » Thu Apr 24, 2014 12:44 pm Compare Morningstar style boxes for NAESX and IWM and you'll see that the breakdown is very different between them as the former is much more of mid cap fund than the R2000 fund so if you want that index IWM is the way to go (lower ER and higher volume than the Van...
by YDNAL
Thu Apr 24, 2014 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Small Cap Index Inv (NAESX) - Questions...
Replies: 30
Views: 3519

Re: Savings Rate what do you include?

Now, the only real trick here is that you must differentiate Expenses from Transfers. Consider a home (an asset) with a mortgage (a liability). Now, when you pay your mortgage, a portion of that payment will be considered expense (e.g. the interest portion of the payment). A portion will be conside...
by YDNAL
Thu Apr 24, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5466

Re: Bogle: Tilt To Corporates For More Yield

According to Larry Swedroe, the default premium for corporate bonds is too small (0.3%) to cover defaults, so the realized returns are very small in spite of higher yields. The last time I looked for intermediate term bonds the corporate/treasury spread was a tad over 1%. Actually 1.5%. https://per...
by YDNAL
Thu Apr 24, 2014 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: Tilt To Corporates For More Yield
Replies: 73
Views: 8883

Re: Bogle: Tilt To Corporates For More Yield

According to Larry Swedroe, the default premium for corporate bonds is too small (0.3%) to cover defaults, so the realized returns are very small in spite of higher yields. The last time I looked for intermediate term bonds the corporate/treasury spread was a tad over 1%. Actually 1.5%. https://per...
by YDNAL
Thu Apr 24, 2014 11:57 am
 
Forum: Investing - Theory, News & General
Topic: Bogle: Tilt To Corporates For More Yield
Replies: 73
Views: 8883

Re: Vanguard Small Cap Index Inv (NAESX) - Questions...

Compare Morningstar style boxes for NAESX and IWM and you'll see that the breakdown is very different between them as the former is much more of mid cap fund than the R2000 fund so if you want that index IWM is the way to go (lower ER and higher volume than the Vanguard version). Your quote can be ...
by YDNAL
Thu Apr 24, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Small Cap Index Inv (NAESX) - Questions...
Replies: 30
Views: 3519

Re: Early retirement with only a 401k

My question is: How does one retire early if they only have a 401k? I'm thinking I'll have enough in 401k's to retire in possibly 10 years but I was thinking how will I get to that money without getting an early withdrawal penalty. Are there other investments I should be part of my money into that ...
by YDNAL
Thu Apr 24, 2014 11:25 am
 
Forum: Investing - Theory, News & General
Topic: Early retirement with only a 401k
Replies: 6
Views: 1185

Re: Savings Rate what do you include?

Crimsontide » Wed Apr 23, 2014 9:33 pm ...In the most basic terms: Net Worth = Assets - Liabilities Reduced Liabilities = Increased Net Worth.... that simple! Agreed on the Net Worth calculation but that is not what is being discussed here. I answered your claim - conflating "savings" , &...
by YDNAL
Thu Apr 24, 2014 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5466

Re: Vanguard Small Cap Index Inv (NAESX) - Questions...

Prov227 » Thu Apr 24, 2014 3:05 am (1) I'm looking at NAESX because I'm interested in a fund that tracks the Russell 2000 index... (2) On Morningstar's information page for NAESX, on the "Purchase" tab, under the "Minimum Investments" section, there's a value for Initial and Add...
by YDNAL
Thu Apr 24, 2014 7:37 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Small Cap Index Inv (NAESX) - Questions...
Replies: 30
Views: 3519

Re: Savings Rate what do you include?

Crimsontide » Wed Apr 23, 2014 2:32 pm I can't see paying down debt as being "savings", the debt represents money that has already been spent = spending... If you are prepaying a mortgage to reduce the total interest paid then you can start counting those savings once the loan is paid in ...
by YDNAL
Wed Apr 23, 2014 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5466

Re: Real Estate Investing

Andymoler58 wrote:What does everyone think about real estate?

I think it's one of the worst investments out there regardless of the interest rates when you factor in the taxes, maintenance, transaction costs, and illiquidity.


Really?
by YDNAL
Wed Apr 23, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: Real Estate Investing
Replies: 11
Views: 1114

Re: Please explain a 3% SWR to me

I try and try but I just can't wrap my head around someone needing 33x for a 30 year retirement. It seems if that is true it could only be because of too much risk in the portfolio. I know I am missing something. Help bring me in from the dark. Perhaps you are "missing" that NO ONE knows ...
by YDNAL
Wed Apr 23, 2014 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: Please explain a 3% SWR to me
Replies: 92
Views: 22620

Re: Bogle: Tilt To Corporates For More Yield

Of course you could not read the mind of Mr. Bogle but if you would happen to know his position or if anyone else has an opinion as to the problem with this index fund (VWEHX), please share. this index (VWEHX) would need to be held in a tax advantage account, but offers no more risk than historical...
by YDNAL
Wed Apr 23, 2014 8:17 am
 
Forum: Investing - Theory, News & General
Topic: Bogle: Tilt To Corporates For More Yield
Replies: 73
Views: 8883

Re: Does Asset Allocation beat the S&P 500?

thethinker » Wed Apr 23, 2014 12:10 am can you or someone else explain why only the stock market can drop 50% but not a 3-4 fund portfolio? thank you to everyone for the great education. i am learning a lot Because "the market" (whatever that means to you) and the other "3-4 funds&qu...
by YDNAL
Wed Apr 23, 2014 7:33 am
 
Forum: Investing - Theory, News & General
Topic: Does Asset Allocation beat the S&P 500?
Replies: 75
Views: 6319

Re: Mortgage = negative bond, Rent = negative income?

harikaried » Tue Apr 22, 2014 2:24 am Mathematically, mortgages act like negative bonds, and some people say to adjust one's asset allocation to compensate. Rent then should also have an equivalent of negative income, i.e. expense. But I think things look differently depending on where people are c...
by YDNAL
Tue Apr 22, 2014 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: Mortgage = negative bond, Rent = negative income?
Replies: 6
Views: 936

Re: Does Asset Allocation beat the S&P 500?

I left your chart out to save space, but this is a great tool. would you be able to please share with me the link you used to compare such funds? That would a great educational tool for me with this topic and future questions I might have. thank you for the post!! I did, about 3 hours ago! YDNAL » ...
by YDNAL
Tue Apr 22, 2014 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: Does Asset Allocation beat the S&P 500?
Replies: 75
Views: 6319

Re: Is social security a good investment?

Most people who ask this question don't know what Social Security includes. Are you asking about all of SS or just one part? P.S. If you are not careful, this thread will become political and either get locked or disappear. All the parts, I suppose. I'm interested from the perspective of analyzing ...
by YDNAL
Tue Apr 22, 2014 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: Is social security a good investment?
Replies: 33
Views: 2227
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