Bogleheads.org

Congratulations with your engagement! That said, you there is a significant difference between being married or not, as well as cohabitation, and that varies between the states depending and countries. You really should verify the laws of inheritance, etc, in case one of you die, especially if child...

Rodc wrote:I'm not really interested in a contest as to who is the most skeptical. You can win.

You are taking all the fun out of this

90 years of data gives all of three 30-year data points. Rolling periods may give more numbers, good for making pretty scatter plots, but all of them are just remixes of three honestly independent data points (at best, as the the second is dependent on the particular history that led to point one, ...

craigr wrote:Gold handles political risk and currency risk.

Depends what you means with "handles".

90 years of data gives all of three 30-year data points. Rolling periods may give more numbers, good for making pretty scatter plots, but all of them are just remixes of three honestly independent data points (at best, as the the second is dependent on the particular history that led to point one, ...

The first chapter (No Guts, No Glory) of W. Bernstein's "The Four Pillars of Investing" is about historical financial risks and returns spanning thousands of years where one of the author's intentions was to give the reader an idea what is reasonably to expect in real return of an investme...

To add to the above you can withdraw contributions from a ROTH with no penalty, thus the often given advice to fund a ROTH before a taxable EF.

So, Debeers concocted and perpetuated a widespread marketing campaign that the masses willingly bought into? Amazing. I have been in the wrong business. BFG What business are you in? DeBeers is unique only because they pulled it off single-handedly, by virtue of monopoly. But there are few business...

^I have as well and more than one long time BH poster did so during the depth of the financial crisis. For me as a Swedish based investor the Krona was really hammered, or so I thought, and new investments was in Swedish equity funds along with paying down all debts. Now the Swedish stock "over...

Both of us earn a very good salary so if I applied the 1/3 of yearly salary "rule" (which seems to high anyways) I would be buying an astronomically priced ring. What is a reasonable amount for a high income earner? We bought what I thought was an astronomically priced ring. I gave my wif...

As an US citizen it might be difficult to open any account at all in Sweden due to recent US laws. For equity mutual funds SPP (http://www.spp.se) have passively managed equity mutual funds for USA, Europe, Japan, Sweden and Global with TER in range of 0.21% to 0.31%. Recently the Europe, Japan and ...

Denmark (EU member with Danish Krone pegged to the Euro) currently have a negative interest rate around 0.1% for the 2 years government bonds, and have been around zero for a least a year. Apparently this is cheaper than have the money in cash :twisted: Let me add that Europe is bigger than the Euro...

100% bonds for pension with withdrawal many years ahead is very conservative, even for most BHs, as you describe your situation. Edit: So while Bogleheads principles are very useful they need to be adapted for non-US based investors, and taxation is the one factor you must take into account as this ...

Went to your first thread, which I should have done in the first place.... The "pension fund" you refer to reminds me of similar funds in Sweden where each investment is guaranteed a minimum return but in addition have a variable return that in some circumstances can be taken back. This al...

Too bad that you cannot contribute much the global index fund, which seems to be the cheapest option. Going from 100% bonds to less than 30% is a pretty big jump, but on the other hand this only for the 30% of your portfolio not in the pension part. I assume that you are a Dutch based investor, afte...

assumer wrote:There's also the $3000 deduction on your income tax from tlh which rolls over year after year.

Ah, this was the deduction I was thinking of.

Using "TLH" to get our from an unwanted investment is great, though.

Any "profit" from TLH depends on future tax laws, as well as personal circumstances.

For the record, here are the real (inflation adjusted--as of 3/13) levels that need to be exceeded to qualify as an all-time high: Dow.....................16,124 S&P500...................2,106 NASDAQ.................6,847 Wilshire 5000.......20,005 All of these levels were set during the first ...

Not trying to hi-jack, but does anyone have a link to that study showing saving % and amounts by age and goals? The top row has stock/bonds blend and the left column has retirement age and then each cell has the relative saving %'s. Thx! try PM'ing grayfox (or is it greyfox?). Thanks! I actually fo...

The generic answer is to base it on the average livings cost you have calculated and add specific risks like health care, transportation, house, car, litigation, relocation, etc. It quickly adds up. Over time many have a large taxable account and at some time it is so large that an explicit emergenc...

.. . ..

I think it is great that a young person (MMM) can do what he wants, more or less, call it retirement or not, mostly by his own and some luck.

A certain individual very significant to the founding of Bogleheads insists we're in a bubble...and have been since 1996, the year stocks became "insanely overvalued" causing him to bail out of the market. Totally. He's waiting to buy stocks until PE10's drop into the single digits and/or...

I appreciate my dental hygienist. Her flossing advice is great, the investment advice not so much :D What does your dental hygienist think about Bolshoi? Victoria I'm in the process of getting a couple of implants on opposite sides of my mouth, so I am spending more time than usual listening to her...

Using Mint is not in compliance with most, if not all, the various Terms of Agreement you have signed.

I'll add one thing: I didn't agree with his philosophy of liquidating all bank accounts / emergency funds down to $1k to pay off debt. For people with loads of credit cards debts this makes perfect economic sense as credit card interest rates are typically very high and there is always a new credit...

"This film is not available in your region because of rights restrictions.
We apologize for the inconvenience."

BitCoins are backed by nothing but confidence, be it misplaced or not.

Currencies issued by states are legal tender and can be used to pay taxes, as well as being backed by the states power to tax.

For me it was a RSD: Real Sunny Day.

Sorry for the snarky answer, but you should rethink what "having no expenses" means.

What matters for me is that I'm unable to select the overachieving active managers in the first place, after costs.

When it comes to index (passive) funds there are real skills in managing those to the betterment of the share owners.

I seem to remember that floating NAV have been proposed for US MMF but reject, and subsequent a very big guarantee was issued for MMF for some time.

The lesson is that US MMF is not risk-free and should be restructured to reflect this.

Move the money to FDIC insured accounts, possibly laddering them in CD's, instead of having them at GE.

You'll probably earn a little less but with safety of money with respect to a default.

Copy/paste most/all of the article is not fair use.

Link to the article: http://assetbuilder.com/scott_burns/the ... ealth_test

^ Iceland is not part of the FTSE All-World Index Series that includes Emerging Markets. Iceland is in the category "Failed hedge fund organized as a state" :o Edit: There used to be free registration for a copy of the FTSE All-World Index Series that is released monthly, and that is a gre...

Not too long ago I posted an innocent question about how a "currency war" might affect one's portfolio, and the post was frozen by Lady Geek as "political". Is a this discussion about Cyprus "political" and should the posts be frozen? Curious as to the why one post is ...

And adding Vanguard FTSE All-World ex-US Index Fund Investor Shares (VFWIX) to Rupert's list you'll have a low cost portfolio with international exposure.

Nice article.

The fund home page: http://www.nbim.no/en/

The 2012 Annual Report that contains much information about costs, asset allocations, strategies, etc : http://www.nbim.no/en/press-and-publica ... port-2012/

First, valuations matter and they matter a lot. But to show you how wide the potential dispersion of returns is: when the Shiller PE 10 is 21-25 the AVERAGE real return for next 10 years was 0.9%. The range was -4.4 to +8.3. Lesson, your plan should incorporate both those possibilities. If you cann...

I know I am not the only one with this problem and I look to any of you with more experience in this. I am a no-BS type of person. For the most part, I feel we reap what we sow and have the ability to change our lives if we want. I don't expect or want people to help me if I've hit a bump. I have a...

If you thought it sounded better that is all that matters! Most rooms are a challenge with respect to placement of speakers and for most that room is the living room that have even more restrictions with respect to placement. Room treatments generally have a very, very low WAF. For myself adding a s...

^Why point the cone facing the roof unless that is your favorite listening place?

You can download sounds with a frequency sweep that you can use to test the loud speakers.

Moderns receivers, if that is what you use, have a setting for max volume that is very useful.

I live in Sweden (EU member, but not in Euro) that represent about 1.2% of the world equity thus the global approach with some overweight for Europe. My fixed income, however, is in Swedish Krona. Ahhh. I see - thank you for the explanation. I assumed you were US-based and thought maybe you'd reall...

BBL wrote:

allsop wrote:About 96% international.

Wow. I'm very curious. Tell me more.

I live in Sweden (EU member, but not in Euro) that represent about 1.2% of the world equity thus the global approach with some overweight for Europe. My fixed income, however, is in Swedish Krona.

About 96% international.

nisiprius wrote:"Quality" is a clever word to use to describe some stock-picking criterion you advocate.

+1

reggiesimpson, this is getting off-topic, but where I live a arranged marriage is not looked upon as valid and girls/women (wonder why no men are applying...) can be granted asylum if they can credibly show that this is the case. Edit: Can be granted asylum, that is. Pulleeze. My point is as my pos...

reggiesimpson, this is getting off-topic, but where I live a arranged marriage is not looked upon as valid and girls/women (wonder why no men are applying...) can be granted asylum if they can credibly show that this is the case.

Edit: Can be granted asylum, that is.