Bogleheads.org

How about the ER example? It's always there, available, on stand by. Yet, I don't pay the hospital a stand by fee to have it there. If you're roomed in an ER, staff are assigned and are responsible for your care. You are charged for that care, including hospital overhead for having an ER available....

Researching a 401(k) without index funds, trying to pick the best funds and watching them revert to the mean, and then reading Andrew Tobias and John Bogle.

chaz wrote:Try the Bogle brand. It is very good.

Good red wines at great prices, but evidently no relation to Jack Bogle: Bogle Vineyards Newsletter and Home.

livesoft wrote:Axes are not labelled. What are they? I guess horizontal axes is number of children and vertical axis is percent house value of net worth?

I understand your proclivity towards humor, and encouraging people to fish or think for themselves is beneficial.

Welcome to the wonderful world of private health insurance. You already know that the patient is responsible for confirming coverage with the insurer for elective procedures. The reason is that no health care provider knows all the details about every individual's coverage. The uninsured (and out-of...

But he needs a working link to start talking to TurboTax.

Then try http://www.turbotax.com and follow the instructions above.

My link today (URL http://turbotax.intuit.com/microsite/home.jsp?priorityCode=3468339949&cid=all_voyager_aff_3468339949&_requestid=103762 ) loads this page - http://i50.tinypic.com/kyx4o.jpg - that allows you to register or sign in. Tech support is better from TurboTax than Vanguard. At the ...

Since I don't see the Wiki or efficient frontiers mentioned: http://www.bogleheads.org/w/images/1/11/US-International.png "The graph in Figure 2 shows relative investment return and volatility (standard deviation of return) for a U.S. S&P 500 index investment as well as an international EAF...

Darn, another variable to worry about. At least it's easier than life expectancy.

Social Security believes, on average, that their benefits are actuarially neutral: If you live to the average life expectancy for someone your age, you will receive about the same amount in lifetime benefits no matter whether you choose to start receiving benefits at age 62, full retirement age, ag...

9% higher than the assessor's 2012 "estimated fair market value", which is due to be updated in April, and "reflects the approximate market value of your property as of January 1".

My credit union provides a free credit score service from Credit Karma™. I have no idea how accurate or uniform it is.

The last time I weighed life insurance options was 40 years ago, when Consumer Reports was recommending term over whole life unconditionally. Here's what a Forbes article said last year about universal whole life: ". . .if the projected investment returns fail to materialize, the insurance comp...

DNR legislation varies by state, but some provide for bracelets that are accepted by EMS as documenting the written physician order: http://www.dhs.wisconsin.gov/ems/EMSUnit/DNR.htm http://www.dhs.wisconsin.gov/ems/images/WI_DNR_SAMPLE.gif http://www.dhs.wisconsin.gov/ems/images/MedAlert_back.jpg ht...

If you no longer need to access work software from home, I definitely recommend the Mac. More seamless operation with fewer OS and virus problems.

Don't forget, "You've Got To Be Carefully Taught".

The zoom can be different in different windows of the same browser, or in different frames (areas) in the same window. All I know about Chrome is that my iMac OS is too old to run it!

You may have different zoom settings on the two browsers. Try <ctrl><-> and <+> or something like [Firefox]<View><Zoom><Out> and <In> from the menus to see if that helps.

Call_Me_Op wrote:Is cash included in "bonds?"

Depends on you, I guess. But you don't want to start that discussion here, or people will be throwing in houses.

sscritic wrote:I added my marginal tax rate as a percentage to my bond percentage (which is lower than my age) and got 65, but I don't see that as a choice.

I know, I know. I should have used "/", not "+". But have you seen what an ampersand looks like in this font?

gkaplan wrote:You're missing an option for those of us who don't use the age-in-bonds rule of thumb.

No, sir. I hope you'll still vote your actual tax rate and % bonds. It will just be proof that you don't follow age in bonds.

Have you seen the Bogleheads net worth spreadsheet? Your questions on Bogleheads demographics are answered there (and much more, although you may need to do your own analytics on the raw data). http://www.bogleheads.org/forum/viewtopic.php?f=10&t=88801 No, I hadn't come across it - an amazing c...

You should have let people vote more than once. Why? Well, since I'm a Boglehead, my immediate family by virtue of their relationship with me are Bogleheads (whether they realize it or not) :wink: OK, I could have said "Boglehead forum participant/poster/reader", but I was trying not to b...

How is it becoming less "affordable"? Economic changes over a lifetime leading to shifting recommendations from "age in bonds" to "age - 10" or "age - 20". Or later generations needing two incomes to match their parents' single-income lifestyle. It's like a d...

A follow-up poll to Income/Net Worth and Age in Bonds.

Is "age in bonds" becoming less affordable?

And is lemon-lyman from The West Wing?

Try a questionnaire like Vanguard's for a personal assessment: "The Investor Questionnaire makes asset allocation suggestions based on information you enter about your investment objectives and experience, time horizon, risk tolerance, and financial situation. As your financial circumstances or...

The comparison of target fund performance reminded me of this image from MyMoneyBlog.com : [img_resize=50:22zcvkjp]http://www.mymoneyblog.com/images/0703/targetaa.gif[/img_resize:22zcvkjp] where the Fidelity curve is more linear and below Vanguard's or T. Rowe Price's, with a lower stock % over the ...

Thank you, SpringMan.

While working on my taxes, I noticed that Vanguard's U.S. government obligations information https://personal.vanguard.com/pdf/usgo_2012.pdf shows the Total Bond Index percentage of assets invested in U.S. government obligations as of December 31, 2012 as 37.84%, while the Vanguard fund profile http...

I've been trying to reconcile John Bogle's "age in bonds" ". . . an investor's bond position should be equal to his or her age. . . such a rule must be adjusted to reflect an investor's objectives, risk tolerance, and overall financial position. (For example, pension and Social Securi...

This old allocation seems to have gone the way of the dodo...Equities = 100 - age It seems there's always been a wide range in John Bogle's recommendations for stock allocation. Bogle on Mutual Funds (1994) gives "bond. . . roughly equal to your age" as "A Simple Rule of Thumb",...

Thanks for your response. I checked Morningstar's Instant X-Ray, which put VGTSX at 45% (7% low) vs 42% (10% low) for Vanguard's Portfolio Watch. Looks like no one is very close.

Vanguard Portfolio Watch warns me that VGTSX holdings in Europe are currently 10% less than market, which is unexpected since both the fund and stock analysis use the same benchmark. For VGTSX https://personal.vanguard.com/us/FundsStrategyAndPolicy?FundId=0113&FundIntExt=INT , "The fund see...