Bogleheads

For fun... next time you do a cruise, and are at the pre departure life boat muster station drill... look up at the life boats, and mutter out loudly: “Why do the life boats all have hand rails on t ...

I made an account, never have used it, I am going to try the follow bogleheads thing.

1)Facebook is cool : )

2)that t shirt is great.

That ship is unsinkable.

Is there any statistical evidence that doctors are more susceptible to investment swindles? Makes great sense ancedotally, and I have read it a lot over the years, but I have never read anything with ...

Well, I would say maybe stick with it.

1)You went into it in the first place, the performance period is not long enough to judge it

2)What are you going to replace it with, a straight up index f ...

There are some non-financial advantages about renting, which often don't get mentioned. You don't have to worry about repairs or maintenance.

OK, I hear this enough times that I need to say som ...

I am unclear on your ability to take risk, did you go sell out and go cash, or have you always been cash?

I am unclear on your need to take risk. If you went say, 100 percent TIPS, could you live ...

pretty funny stuff

1) Should I have my VGTSX in taxable in the new allocation?
2) If I decide to have bonds in roth, what bond fund could be suitable?
3) I have the option of having my taxable investments at charles s ...

was scarred from the first movie for life, did not watch the second : )

as far as I know, the best way would be to make your own spreadsheet.

Its very simple:
1/1/01 100.00
2/3/07 400.00
11/18/09 -550.00

where 100 and 400 were input, and today has 550 in t ...

Withdrawing an arbitrary percentage in retirement has never made sense to me. The only way to guarantee a fixed income stream is just to buy an annuity. Otherwise, I am partial to the idea of living ...

I have savings that I want to invest conservatively but would like to get better than the 1.4% that I'm now receiving at IGObanking. I've been offered a five-year deferred fixed index annuity as a wa ...

: )
I guess you avoid the 10 percent penalty, and just pay tax.

If you change to more conservative now, just do not change back to more aggressive when stock prices are more expensive, and things feel safer. Rinse Repeat. That is classic buy high sell low behavo ...

I would say just keep it as is.

No one can predict if we are going to have inflation, stay like we have been, or japanese style deflation going forward.

If you decided upon 50/50 TIPS/Aggregate, ...

do a nondeductible IRA(no limit for this) in 2009, and in 2010, for yourself and your wife, and then convert it all to a Roth for you and your wife in 2010 when there are no limits for conversion.

...

remember this when thinking of dropping the insurance..

worst case scenario... house burns down or is destroyed.. .

Nope. Worst case scenario is the neighborhood kid falls down your steps, sus ...

remember this when thinking of dropping the insurance..

worst case scenario... house burns down or is destroyed.. .

Nope. Worst case scenario is the neighborhood kid falls down your steps, sus ...

really then, this might be a smart way to go, take the benefits early, get the payments, then if you are still in good health, reverse it, get the higher payments.

Bad things are, they may revoke ...

Since stock and bond funds are constantly going up a down, why wouldn't it give you a slight advantage to rebalance every day, or as often as possible?

I am assuming this would be in a tax deferr ...

I used to worry that enough people would become indexors and partially negate indexings advantages. I no longer worry about it : )

4- I'm still not clear why the MUNI isn't a good idea. From my calculations we're earning the equivalent of 6.5% on a 3.6% yield. Is it an absolute that you should keep bonds in tax advantaged?

Bo ...

no overwhelming evidence that higher homeownership rates make for better societies

well, I guess there is evidence then? Would be interesting to see what that is. I mean, using "overwhelming ...

Owning must have financial advantages over renting, otherwise, why would anyone, on average, be a landlord?????

These landlords, buy the property, upkeep it, and expect a return. That is the only ...

"$27,000 and $36,000 guaranteed fixed retirement plan from the state that I cannot screw up. "

So if I understand that right, you have a cash flow from the state of a total of 63K a year? ...

Thanks for all your hard work, its greatly appreciated

LH

thanks for the link. I like Roths articles.

edit. (screwed up, thinking lendingtree, not lendingclub. sorry)

So I am not eligible for pen Fed.

I can become eligible if I join NMFA for 20 dollars, which is a one time only fee, then I can not join NMFA anymore, and still retain the penFed card?

Do I have ...

Hello,

The Cincinnati Diehards group meets quarterly for a laid back informal meeting with food, drink and finance talk based on John Bogles philosophy. Our website is http://cincinnati-diehards.bl ...

I will explain one last time,

I write the posts. They are my views. Unless the blog post states otherwise. However, I have an editor who puts them in the proper form for the blogs---he edits in the ...

Maybe individuals are rebalancing out of equities as the market rises and buying fixed income to restore their asset allocations.

In my case, true. I rebalanced and sold bonds bought stocks earlie ...

Yep, and most of the money is going into Vanguard's low fee bond funds.

Adrian
anenu@tampabay.rr.com
Which is a kind of buy-high, sell-low mentality, isn't it? With the almost unprecedented dro ...

when are you going to retire?

How far along are you to meeting your financial needs at retirement.

The simple rules of thumb are

1)80 percent of what you spend now
(w2-tax that year-savings ...

I don’t think I want to switch everything over to Vanguard unless there’s something we can’t get a comparable at TC or Fido.

If you are adept with spreadsheets, this is doable. Maybe quick ...

Taxable – 52%

7% cash
11 %TIAA Inst’l Equity Index (TINRX) (0.44%)
6% TIAA Mid Cap Growth (TCMGX) (0.95%)
14% Fidelity Total market Index (FSTMX) (0.1%)
3% Janus Twenty (JAVLX) (0.84%)
1 ...

The conversion to Roth there is no right answer per se

1)your tax bracket now
2)your tax bracket in the future
3)the percentage of your IRA money that is after tax currently
4)changes in US tax ...

The pics they have are pretty cool, first time I have stopped by there.

I'm a news junkie, and I use the Drudge Report

ditto

Courtesy of Bespoke Blog, we have the latest update of best performing stock markets by country. (in local currency)

Neat link.

I get confused on this "local currency" thing.

When I ...

Chase has taken away the easy cash back feature on my credit card, and replaced it with a bunch of shoppings options, as well as the ability to have them mail me a check, which I just do not want the ...

Query from nisiprius:
Of course they didn't answer the question I really wanted to know, whether the eventual outcome of such conspicuous consumption is equally conspicuous... well... you know... shi ...

I may go buy a gold coin in honor of this thread and total matter composition index funds : )

Maybe get a 1/20th ounce canadian maple leaf heheheh.

Der Untergang is the name of that hitler movie ...

some roflmao funny posts on here : )

Yeah, I am just screwing around. Everyday I see the gold posts, commercials, and headlines. Not having gold is kinda like missing out on a party : )

Kudos ...

College tuition cost rising again this fall
By JUSTIN POPE, AP Education Writer Justin Pope, Ap Education Writer Tue Oct 20, 11:03 am ET

Average tuition prices rose sharply again this fall as coll ...

What portion of your portfolio are you moving to gold?

"Maybe not today, maybe not tomorrow, but soon and for the rest of your Casablanca

Interest in gold has now reached the same level of hysteria that I've seen this decade for tech stocks and re ...

http://money.cnn.com/galleries/2009/news/0910/gallery.most_expensive_colleges/index.html

Note: Total cost includes tuition, fees, room and board. Data collected by the College Board.

1. Sarah L ...

http://www.washingtonpost.com/wp-dyn/content/article/2009/11/01/AR2009110101704.html?nav=hcmodule

Interesting article.

No one knows how to interpret these numbers. If someone had predicted 20 ye ...