Bogleheads.org

...I agree with you but I would wait awhile longer before placing that bet. If/when I read that Caterpillar is getting more orders then I would revisit VPMM I agree Catepillar may be a good indicator for the sector outlook. CNCB - April 22, '13 "Caterpillar posted earnings and revenue that mis...

I owned the mutual fund versions of each. New purchases of VNQ (Vg REIT) are on hold for now. VNQI (Vg global REIT ex-US) is receiving REIT allocation for now.

My biggest concern with cash would be others' expectations. If they know you are getting an annuity for $9 - $30 million per year, close family and friends will expect a certain gift amount. If they know you have $350 million on hand, then those hand out expectations drastically increase. I could se...

Of all the Vanguard funds, it appears that Precious Metals performance has been the poorest over the last couple years so wouldn't this be an opportunity to buy low? "Buy low" is a relative term. The fund is composed of 87.6% foreign stocks. So a essentially an international stock fund. A...

Laissez les bon temps roulez!

Where y'at?

TRANSLATION FOR OUTSIDERS - Hello, Rob. How are you doing?

I'm switching to Gmail for personal email. My work recently switched to corporate Gmail and I'd prefer to use the same system for work and personal. For personal my full name happens to be available as FirstName.Lastname@gmail.com Good or bad idea? I also plan to retire in a few years and I'll prob...

If Vanguard is owned by the funds and doesn't have to satisfy stockholders, why does it pursue growth so aggressively and keep coming up with new funds like this one, of questionable value. Why not concentrate on the stuff that works and keep growth controlled so it keeps on working? My thoughts - ...

Bottomfisher, M* doesn't deduct the fee paid to the advisor you have to hire to buy the DFA fund. Compound that and you'd get an even bigger gap between VG. Good point, I'm not a DFA investor (or small value tilter). But I'm just trying to give them a fair shake since the M* graph reveals substanti...

Vanguard's small cap value fund outperforms the DFA small cap value from its inception date . http://finance.yahoo.com/q/ta?s=VISVX&t=my&l=on&z=l&q=l&p=&a=&c=dfsvx When I graph their performance on M* chart I get a different outcome than on dates on Yahoo chart linked. I...

Has anyone considered a lab or man made diamond? We are. I can afford the stone she wants in a mined diamond but that makes no sense (to me) other than her satisfaction and enjoyment and I can think of lots of more sensible luxuries that we don't indulge in. I think it is important to her to get a ...

I hadn't checked in on this thread recently but looks like the conversation has gone some unintended directions; we are not the type of people some have mentioned in this thread. We both max our 401ks and IRAs and save money in taxable accounts, we both work and make very good livings and while we ...

Have you posted your question on Sermo?

No. I was unaware of the site. Thanks for link! I just visited the site. I'll likely sign up for membership later this afternoon after a few Mother's Day activities.

Thanks for everyone's insights, thoughts and considerations so far

There are accounting firms that value medical practices. If you are serious about taking over the Practice, maybe start there. Medicine of all types is in tremendous flux right now with upcoming Healthcare reform. You sound like owning the Practice is a new thought. This hasn't occurred to you befo...

I have never used one, but I notice these "urgent care" facilities popping up all over....Just my guess, but when any kind of business pops up all over the place like that, I wonder if oversupply and competition will take its toll on some. This is true of area too. Fortunately, this has l...

It appears that you have an adequate understanding of dividend payouts. Unfortunately, no one can provide the reassurance that your dividend payout will persist in a market downturn. If the stock prices are taking a beating its likely the underlying companies' earnings are also taking a beating. And...

Perhaps the first question to ask yourself is whether you want to run your own practice/business (and all the non-medical issues you would need to deal with OR hire someone to do) and whether you would be good at it as well. Quite honestly, that was never one of my aspirations. I would be quite hap...

Exactly in regards to the perception by the senior partner and the real value here. When negotiating it is considered smart to throw out a number just short of crazy. This is bc this is now the new anchor from where to continue negotiations. (If you throw out a crazy number then it doesnt work bc p...

http://www.physiciansmoneydigest.com/pr ... e-for-Sale Thanks for the link. It was a good starting reference for learning about the process. However, to me the issue is the "intangibles". The practice facilities and its accounts receivable are easily evaluated. But "goodwill", a...

Here's a M* video of Mr. Bogle explaining his estimates on future returns from October 2012:

http://www.morningstar.com/cover/videoC ... &SR=EVZ128

I’ve been practicing in the same small 2 clinic, 3 physician occupational medicine practice for the past 3 years/since completing residency. The clinic medical director/physician owner had his first successor conversation with me to take over the practice. The time frame is “sooner or later” dependi...

A few respected, very knowledgable forum members have opined that REITs appear overvalued currently. Any thoughts on foreign REIT's and expected returns?

Be fearful when others are greedy; be greedy when others are fearful

0.20% A bit higher than earlier posters as a result of a significant portion invested through Simple IRA which doesn't allow upgrade to Admiral share class and a few sector funds.

$14,500'ish. And my wife actually lost the ring once (outisde of our home). It was found...but I was ready to lose her. 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...

Can I, as a 1st-year resident physician, continue to go without disability insurance under the assumption that my health will probably go unchanged in the near future? Or is this a silly gamble not worth the $1000 that I would save? If I can go without it as a 1st year resident, what about as a 2nd...

http://whitecoatinvestor.com/tag/disability-insurance/ This link has various discussions on different aspects of disability insurance for physicians. I'm not sure if they remark on your specific question; but its a good resource regardless. I'm 3 years out of residency and I've "gambled" g...

As above. Want to swing for the fences with a tiny percentage of my portfolio. Vanguard Energy. It actually encompasses a bit more than "play money" in my portfolio currently. But I've drifted a bit too far from fundamentals. I'm waiting for a burst of outperformance sooner or later. Then...

http://www.bogleheads.org/wiki/Talk:Per ... ndex_Funds

Results for Vanguard Total Vanguard Total Stock Market Index Fund (VTSMX): The percentage of REITs is 1.43%, 85 REIT holdings, all categorized under "Financials" sorted in decending market value.

In my taxable Vanguard account the fund is traded at the close of trading or traded at the next business day's close if after 4pm. However, my e-mailed confirmation comes a couple days later which initially led to confusion on my behalf. I believe there is a 1 or 2 day delay in trading/buying funds ...

I vote to start investing now. The market may correct itself or it may not. Sure P/e is a bit above average; but its not at an unreasonable level. Money invested now may have a lower rate of return than if P/e were lower. But this graph indicates it still averaged 7-8% 10 year forward return startin...

Re: "Selling" Berkshire now while deferring capital gains ta by Rick Ferri » Tue Apr 09, 2013 7:13 pm I own BRK also. It's the only stock I own. When I sell it, I'll do it in the first or second year in retirement - before collecting Social Security or taking distributions from my tax def...

10 funds total within taxable, Roth IRA, SIMPLE IRA, 457.

Its unlikely that you will be found eligible based on diagnosis alone. Disability benefits are primarily provided as a result of an objective functional impairment that is the result of your condition. However, you're welcome to make an appointment at your local Social Security office and learn more...

Put another way, I want to be sure that with a 3-fund portfolio I'm not missing some portion of the world, or underweighting some portion of the world. Thanks again for any and all info on this. According to Morningstar Vg Total Intl Stock holds 16.97% emerging markets. The benchmark M* uses lists ...

Questions I am currently weighing the extra work of basically balancing once or twice a year to something like: 50% S&P 500 STOCK INDEX (0.01%) 30% INT'L STOCK INDEX (0.07%) 20% US TIPS BOND INDEX (0.05%) as I figure it's not necessarily that much work to rebalance and it would save me most of ...

Treadmill, rowing maching, bench, dumbbells up to 60 lbs, curlbar with plates. Purchased kettlebells 1 month ago but haven't started routine yet. And small park across street so fat dog can exercise too

I think your approach is reasonable. I'm of the opinion that markets are efficient but not entirely (100%) efficient. There may be opportunities available when many others panic and sell as a result of current events. Basically, what you're describing is a situation where the entire market has favor...

These are very reasonable fees. They're not quite rock bottom Vanguard fees; but many other 401k holders would be envious. I recommend maximizing your 401k contributions through your employer. You're getting free matching contributions and tax deferred compounding returns. This IMO is more imortant ...

After watching last Tuesday's episode I looked at my work's 401k and of course found all of the fees associated with the 4 funds I have with Fidelity (small cap, 500 index, international, and bond) and was pretty upset. Even though the company matches up to 6% should I cease adding to my work 401k ...

So how have those of you who have downsized, done it? How did you figure out what to keep and what to say good bye to? Any regrets living a more Spartan life? Any system you worked out to decide what stays and what goes? Help! I was comfortable living in a dorm room for 4 yrs in college and later i...

If I take the monthly posted dividend of a fund x the number shares that gives me the cash value of that dividend. If I then multiply that monthly dividend by 12 it gives me a snapshot (at that moment) of the funds annual return.... Q1: - Are these statements correct? This is not quite correct. Thi...

For the intelligent, well spoken sides of the argument involved here, theres only a couple of logical conflict resolution mediation approaches for the issue at hand - dodge ball? Tug of war?

If the three-fund portfolio holds a total bond market fund (eg: BND, MER=.1%), then it seems to me that a tilted portfolio should hold a long-term bond fund (eg: BLV, MER=.11%) or a long-term corporate bond fund (eg: VCLT, MER=.12%). Or perhaps if the purpose of the fixed income portion of a portfo...

Many are uncomfortable with any type of debt hanging over their heads. If this is your mindeset, then just log onto your student loan debt servicer website and schedule higher payment schedule that work for you. Its easy and only takes a couple of minutes. The other scenario is that 2% is very good ...

I realize that some people make some money doing so, but I do wonder how much money there is in essentially advising people to invest in index funds on their own. I fail to see how one earns a great deal of money by advising people to, essentially, open up an account at Vanguard and invest with the...

If expected stocks returns average to the risk free rate + equity premium, you would expect that when the risk free rate is in a historic low point the expected stocks return will also be very low, which is the equivalent of saying their prices are high relative to the prices they would have had if...

The only thing I don't like is the risk rating of 5. International is more volatile than domestic equities. But if you graph TISM vs TSM on M* you see they are fairly well correlated. If you are investing for the long-term this volatility should not affect you much provided you have the discipline ...

Explanation of a market bubble
by chaz » Tue Apr 23, 2013 3:11 pm

Vanguard memo re market bubbles:

http://vanguardblog.com/2013/04/22/what ... rd+Blog%29

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