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Yes :) sometimes when the WiFi is weak, the symbol goes away and immediately the cellular data is used. I meant that when I said that the phone "decides" which connection to use. If WiFi is super weak, it will decide not to try to connect to the specified WiFi network and used cellular da...

Sidney wrote:I'd check out Tracfone or Straighttalk.

where i can buy unlocked smartphone and how does the sim card work

mike143 wrote:

Fieldsy1024 wrote:I have Win 8 on my phone and it is way better than any iphone or android IMO.

The only thing it lacks is Apps, but soon enough it will catch up.

Without availability of quality apps, what is a smartphone for? It has been out for quite awhile now.

what does APPs means

where I can find consumer forum

is window 8 is best of all - I bought dell i5 with window 8 but i'm not sure I like e or not otherwise I can return or can i just install XP

looking for best prepaid cell with carrier and where I can buy unlocked phone and who takes it as carrrier

vanguard tip is being downed every day I lost lots of money so what shall I do now --should I sell or wait to see if back up

livesoft wrote:I do not know. I thought you were interested in ETFs.

DFA doesn't have ETFs ,only mutual fund, am I right. ???
what about wisdom tree ?? or i shares ??

livesoft wrote:Check out the "here" links at http://www.altruistfa.com/dfavanguard.htm

If the ETF isn't listed, then no reason to own it.

hi live soft

where can i buy the DFA funds

best wishes

looking

Hello folks happy new year all I’m looking for followings below ETF’s,. I don’t know where to find them Domestic micro cap value (US) International large value (excluding US) International small value ( same ) International microcap value (same) International dividend (same) Emerging large value Eme...

I Need to go Cleveland Clinic for MY GI problems diagnosis too I'm too planing to go Cleveland Clinic for diagnosis on my GI problems( gastritis ,and abdominal pain) i'm not sure if they have good doctors and i really don't know how to choose right doctor for me and also if this is right clinic for ...

where i can find the gold etf

Hello folks Please see my portfolio below, and comment and suggestion on it. I would appreciate it. Retired, married 73, with wife 64 no income not retired yet, social security income only no other income and 1 year cash reserve. .tax rate 10% fed and state (long story. NOL carry over) California Al...

Jerry lee 12YR Real Returns S&P 500 = -1.0% Russell 3000 = -0.5% US Large Value = +2.0% US Small Cap = +4.1% US Small Value = +7.2% DJ US REITs = +9.7% MSCI EAFE = -1.3% Int'l Large Value = +0.5% Int'l Small Cap = +3.5% Int'l Small Value = +5.0% S&P Int'l REITs = +8.0% MSCI EM = +6.5% EM Lar...

thank you Taylor where can we find out precisely the information to verify these numbers below; Morningstar category returns for the 15-year period ending 6-30-00: Style.......1 Yr.....3 Yr......5Yr....10 Yr....15 Yr. LCG......27.19...27.04...24.98..17.85...17.15 LCB........8.93...17.29....20.35...1...

Jerry lee

Excellent thread

This is the best thread I have never read -

Where can I find;
Int’l small value
EM Large Value
EM small cap
Bridgeway Micro


Thanks you

fs

I posted a similar list in a thread yesterday that I thought would have more universal interest in a separate thread. I went back 12 years (summer of 2000) to look at the real returns of every asset class under the sun. What I found was, outside of the EAFE (ironically, the most common additional e...

HI all

any one knows about this bond --Loomis Sayles Bond - is it like total bond and where i can find out

thank you

fs

We are 65 and 71 years old. Roughly 30% equities and 70% bonds with a healthy corporate bond exposure. All intermediate maturity bonds with the exception of long term bonds in VG TBM. Returns for the last 4.5 years. 2008 lost 11.9% 2009 Gained 13.96 2010 Gained 10.6% 2011 Gained 2.5 YTD Gained 5.7%...

as an average investor how some one can verify those vanguard return posted here for 2002 to 2011 for almost almost 10 years ???

just curiosity

Assuming you are, for whatever reason, looking for a company other than the one who writes the primary insurance, here's one article that lists several stand alone umbrella companies, and offers some coverage comparisons; http://www.irmi.com/expert/articles/201 ... ement.aspx I am not affiliated wi...

I need to buy an umbrella insurance for my rental home- anyone suggests where to find a good company or some online companies.

best wishes

fs

Has anyone read this book? If so did you find it useful and overall a good book? I have already read Unconventional Success. Burton Malkiel recommended this book for both institutions and individuals. http://www.amazon.com/Pioneering-Portfolio-Management-Unconventional-Institutional/dp/1416544690/r...

We are 65 and 71 years old. Roughly 30% equities and 70% bonds with a healthy corporate bond exposure. All intermediate maturity bonds with the exception of long term bonds in VG TBM. Returns for the last 4.5 years. 2008 lost 11.9% 2009 Gained 13.96 2010 Gained 10.6% 2011 Gained 2.5 YTD Gained 5.7%...

We are 65 and 71 years old. Roughly 30% equities and 70% bonds with a healthy corporate bond exposure. All intermediate maturity bonds with the exception of long term bonds in VG TBM. Returns for the last 4.5 years. 2008 lost 11.9% 2009 Gained 13.96 2010 Gained 10.6% 2011 Gained 2.5 YTD Gained 5.7%...

Hi, Plan to fly into Calgary, and tour Banff and Jasper, etc for about 5 days there. A lot of info on internet, but too much for an old guy like me. So wonder if someone could give a very simple outline and then I try to fill in some blanks.. The goal is just to rent a car in Calgary, and drive aro...

Henry Sadovsky wrote:.

larryswedroe wrote:... consider strongly tilting more to size and value and lowering equity allocation. That will produce lower potential dispersion of returns without lowering expected returns.

Something for nothing? What is the risk?



Henry

need to home work to understand fully

As you see by the other answers, it is personal. I am 78. At 60 I was about 60% stocks. At 65, when I retired, I was about 57%. I live off of these investments plus Social Security....no pensions. By the time I was 70, I changed to 100 minus my age in stocks, so it was about 30%. Presently I have 2...

Interesting site, I've never heard of them. I think it does actually show that a passive index based approach does end up beating actively managed portfolios (including their own). It also shows that you dont need to be overly complex in your number of asset classes to improve performance, at least...

Holding at 50/50 at age 65, but I have a DBP indexed to inflation to cover the essential stuff, and yet to take SS.

what is DBP index????

some time i just wonder to see if there is portfolio to be constructed making living off preserving capital

fs

4% withdrawal rate is generally safe for 30 years of withdraw. Meaning that it'll be gobbling up your nest egg. From my poking with firecalc, a roughly 2% withdrawl rate should provide for a perpetual withdrawl, meaning that your nest egg is staying intact, and in most scenarios growing. i know the...

Hi Bogleheads, I understand that for many of us, the goal of retirement is to be able to live off the interest (and capital gains, and dividends) of our retirement nest egg. However the unfortunate reality for most Americans is that they must gobble up their nest egg after they have finished sittin...

Bogleheads: It is unfortunate that our Forum members cannot see what goes on behind the scene in the administration of this forum. This is a recent (PM) from Alex Frakt to a problem poster. It tells us more about Alex than the problem poster: (Name withheld): I don't know if you remember me, but I ...

I will do new posting in detail sometime later

I appreciate your helping hand

best wishes

fs

I just spoke one the Vanguard's online senior financial adviser he recommend me the following 3 funds for my long term investment aftere i explian my situation to him very extensively You discussed "extensively" details with Vanguard and I posted my response to your original post (the all...

Other recent tomser posts: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=99188 http://www.bogleheads.org/forum/viewtopic.php?f=1&t=99105 http://www.bogleheads.org/forum/viewtopic.php?f=1&t=99094 http://www.bogleheads.org/forum/viewtopic.php?f=1&t=99085 http://www.bogleheads.or...

I just spoke one the Vanguard's online senior financial adviser he recommend me the following 3 funds for my long term investment aftere i explian my situation to him very extensively You discussed "extensively" details with Vanguard and I posted my response to your original post (the all...

I just spoke one the Vanguard's online senior financial adviser he recommend me the following 3 funds for my long term investment aftere i explian my situation to him very extensively... -- life strategies Conservative growth 1/3 % - life strategies moderate growth 1/3 % - wellseley income 1/3 % FS...

Mixing balanced funds isnt that big of a deal. It may make rebalancing a little harder but with basic math skills you shouldnt have much of a problem. It won't "hurt" your bottom line, might make things harder though in the end. Actually, these funds might automatically rebalance saving y...

I just spoke one the Vanguard's online senior financial adviser he recommend me the following 3 funds for my long term investment aftere i explian my situation to him very extensively... -- life strategies Conservative growth 1/3 % - life strategies moderate growth 1/3 % - wellseley income 1/3 % FS...

I just spoke one the Vanguard's online senior financial adviser he recommend me the following 3 funds for my long term investment aftere i explian my situation to him very extensively... -- life strategies Conservative growth 1/3 % - life strategies moderate growth 1/3 % - wellseley income 1/3 % FS...

How financially secure are you / how much wiggle room do you have? Do you have more than enough money for retirement and are able to afford some risk in order to have money to pass on/play with/splurge. Are you on a tight budget and cannot accept risk. He seemed to recommend you a portfolio based o...

I don't see any problem, other than your equity allocation seems a little high to me for someone your age. I'm 62, and today I rebalanced to 42% equity and 58% fixed. As for life strategy funds, I've never really understood them, so I would opt (and I have opted) to create my own balanced fund by h...

hello bogleheads please give me some help I just spoke one the Vanguard's online senior financial adviser he recommend me the following 3 funds for my long term investment aftere i explian my situation to him very extensively ---retired,72 years with wife with no job--only social security income for...

Why not use individual TIPS for bond portion of the portfolio? Because the bulk of my tax-advantaged space is in the 401(k), and no TIPS products are available at all, let alone individual ones. It's not a good strategy to hold them in taxable. I use 50/50 stable-value and aggregate bond fund for f...

the yal U's unconventional, save swensen, beats s&P 500 consistently last two decade
why and how he does it his holding are

vti 30%
VEQ 20%
TIP 15%
long treasury 15
inter national developed 15%
vwo 5%
ts

Taylor Larimore wrote:Looking:

Lady Geek is right. You have been "looking" long enough.

Please use the links she provided if you sincerely want help.

Thank you and best wishes.
Taylor

what do you mean by that" You have been "looking" long enough."

[quote="Taylor Larimore"]Looking: Lady Geek is right. You have been "looking" long enough. Please use the links she provided if you sincerely want help. Thank you and best wishes. Taylor[/quote what do you mean by that "You have been "looking" long enough."

The OP has started multiple threads on similar topics. - is this way to go instead of 3 core fund - what do you think of california minis to buy now - what if tax exempt fund into tax differed account looking - Asking about your investments in separate threads (munis, bonds, equities, etc.) will no...