Bogleheads.org

A couple years back every ACT 36 kid from Nebraska (I think there were 5 of them) ended up attending U of Nebraska for little or no cost. Could they have gone to much more prestigious and selective schools? Sure. I'll bet they even applied to and were accepted to some of them. Did at least some of ...

rmelvey wrote:TBH, I think the history of the tilt has a lot to do with performance chasing because RE hadn't yet had a major crash.

60 or 70% in 2008/9 was pretty big.

Here's a few actionable things: 1. actively help your kids with their pre-college education so they can do well, get scholarships and possibly get some or all their college paid for. 2. see if programs exist in your area that let your kids take college classes for combined high school and college cr...

It's available online, I threw mine away.

Increasing profit by $12 million a year with 1 year of work.

How did I celebrate? Well, not much besides getting a paycheck I guess, haha.

With the way industry dumps skilled professionals and managers in their 40s when their salaries have risen, young workers better be saving every penny they can in their 20s and 30s because there is no assurance they will be earning anything in years to come. Best to plan for "retirement" ...

Nope, 30 years old w/ a 75/25 stock/bond split, following age - 5 in bonds going forward. I'd rather just save more and have the diversification.

RNJ wrote:For me the savings is well into the five figure range annually so, based on any measure (nominal, marginal, relative, etc.) I am thrilled. Not gloating, but grateful.

Wow, that's a lot! Amazing how much the fees can take from you over time.

Sunny Sarkar wrote:

ruralavalon wrote:

Middle wrote:What is this, the gloat post?

Of course .

Except, around here, we gloat about how small our cars are.

And how big our watches are!

rustymutt wrote:I felt like I was watching a Kevin Trudeau infomercial.

Oh snap, I forgot all about that guy! He was such a weasel.

LOL, they've been re-releasing that "news article" for a couple of years now. See it all the time on weather.com and some other sites. Just a sensational ad to try to sell a book.

The guy selling it obviously believes in the dollar enough to use his time and energy to try to take yours.

.16%. I could get it down to .13 or .14% if I moved some assets entirely to my Roth IRA, but .16% is good enough for me.

Because I don't want to put half my money in gold and cash.

Maybe take a look at this thread?

viewtopic.php?f=10&t=115965

Interesting... ah well, I've got 30 years until retirement, I think I'll keep 'em.

I had never realized before that BRK.B makes up .5% of VTSMX. For some reason I didn't think it counted... not sure why, LOL. So that means that the companies the Berkshire owns are "double" counted in VTSMX for example? As in, shares of Coca Cola are owned by VTSMX outright, and even mor...

I had never realized before that BRK.B makes up .5% of VTSMX. For some reason I didn't think it counted... not sure why, LOL.

The cost of a 1.5% fee over 30 years: 1 - (1-1.5/100)^30 = 36.5% If someone takes 1.5% of your investments for 30 years, they will end up getting 36.5% of it, and you will keep 63.5%. Compare this with a .15% fee over 30 years: 1 - (1-.15/100)^30 = 4.4% They would only get 4.4%, while you would keep...

I think that Vanguard groups real estate into financials when displaying the sector breakdown for that fund. I usually just using M* when I want to see that information.

I own a single share of BRK.B. That's all I need to get 8% off my Geico premium!

RERGX has a decent enough ER (.5%) and is close enough to Total International that I'd consider adding it. I'd probably do something like: 40% VIFSX 20% VSISX 20% RERGX 20% DODIX But that's just me. I like having a decent amount of international diversification. More likely, I'd probably just use a ...

Most people at 19+? Dang. Trying to recreate the total market index yourself to save on the expense ratio?

I wonder if your gross or net income is used to determine which bracket you're in and the assistance that you get.

I voted 12 total, but probably less than 10 in reality because some of them are the same (ie, BND and VBTLX).

Yeah, counted that way it'd be 9.

Call_Me_Op wrote:This is what I keep handy for "bathroom reading."

No jokes, after I bought that book, I read and reread it in the bathroom for like 3 months straight.

umfundi wrote:Can you do a free body diagram?

Keith

I can do it with either a nondeterministic finite automata or psuedocode, take your pick

Hey, first 100% I've scored in a long time!

I am definitely not putting the full amount in my 401(k) yet, but will certainly move toward that first before doing anything else. I hate the idea of the govt. taking so much in taxes at the end, but I guess that is better than not having enough. Depending on your tax rate in retirement and how mu...

I'm keeping my own spreadsheets so I don't need it, but it would be nice.

momar wrote:It sounds like it they were right. You could have quadrupled your money.

Or 10%'d his money if he timed it wrong. Not worth the risk. Not even once.

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've got access to a couple DFA funds through my 401k, US Targeted Value (DFFVX) and EM Value (DFEVX). The DFFVX is small-valuey enough for me to use as my SCV allocation. The EM value doesn't really fit in so I don't use that one.

pennstater2005 wrote:Anyone remember the bubble boy episode of Seinfeld?

Moops!!!

It seems they try to include something that appeals to every outlook and mindset. Probably better for sales that way

If Value Line knows how to time the market, it doesn't look as if their mutual fund managers got the memo. The 15-year comparison is even worse. Odd then, that the article says the fund did better over the last 15 years. Also normally I would say something about past-performance-not-guaranteeing-fu...

You'd be hard-pressed to find cheaper or more diversified equity fund options. At least with respect to ER, DFA is not a better deal, especially once you consider the advisor fees. Maybe if you're lucky you can get it through a 401k at some point. As for no bonds - I have a feeling your early 50s ma...

avalpert wrote:or at least a need for Ramsey to miraculously develop some humility

I think you have a better chance of using 8% as a retirement withdrawal rate and not running out of money, than you have of that happening

awval999 wrote:

zaboomafoozarg wrote:

fareastwarriors wrote:mmm Ribs.

I know right? Best food in the known universe IMHO.

Where can you get a rack of ribs for less than $20?

Ruby Tuesday's or Bahama Breeze! Well maybe not Bahama Breeze anymore, been a few years since I last went there.

fareastwarriors wrote:mmm Ribs.

I know right? Best food in the known universe IMHO.

Have never spent more than $20 per person on a meal in my life. LOL. Are you 16? I don't see why you need to LOL about it? If the person doesn't want to spend over $20 on a meal, how is that laughable? He cannot be serious. I took it as a joke and/or snark. To be a functional, well adjusted adult m...

Have never spent more than $20 per person on a meal in my life.

git pull origin bogleHEAD :D Have you considered a target asset allocation? Ie % of stocks/bonds, % of US/international? Working on documenting that and other relevant information in an investment plan (http://www.bogleheads.org/wiki/Investment_Policy_Statement) is the best first step to work toward...

abuss368 wrote:Now hopefully that expense ratio keeps declining! .45 now!

The purchase fee is paid to shareholders and not the fund correct?

Not sure, I think it does. I had a brokerage IRA opened up so I just bought VNQI, .32% ER with the NAV premium which was just about as much as the fees.

billjohnson wrote:

abuss368 wrote:Just stay out of the international REIT market until costs come down!

Just stay out of the domestic REIT market until prices come down!

Or just buy both according to your AA and rebalance as necessary!

Hi all, I'm finally making an adjustment to my retirement portfolio - decided on using a total % AA which makes things easier to track, and defining exactly how much to allocate to SCV and REITs. Before I go make the change I'd appreciate any input if it looks like there are more efficient ways to p...

I only rebalance at the market high and the market low for the year. I don't know about everyone else, but that works rather well for me. LOL! :oops: I knew I should've bought the same watch as you! :sharebeer If you want a watch with accurate prognostication, you'll have to spend at least $5k.

Kinda shows how desperate even the gurus are to come up with some ideas about how we can survive this incredibly dismal investing environment. It should be coming clear to most of us that expected returns from Everything are woeful. Not much point to doing anything but maintaining the asset allocat...

Random Musings wrote:Colombian Gold?

RM

Nope, American Eagles!

I've also considered junk silver instead of or in addition. I have some nice 20s-40s silver coins I dug up from some old burned down house ruins when I was a wee lad, so I like those.

I'd much rather own companies than gold

(though I have considered starting to buy an oz per year)

(ps an oz of gold )

29 years old, 75/25 target stock/bond, 67/33 target US/Intl

total US stock: 41.6%
US SCV: 5%
US REIT: 5%

total Int'l stock: 19.7%
Int'l SC: 2.3%
Int'l RE: 2.4%

total US bond: 18.6%
I Bonds: 5%
money market: 0.5%