Bogleheads

The article was merely comparing average rate of return and did not take into account the total amount of principal invested.

And your numbers do? Where's the downpayment? Where's the property tax ...

I'm not sure the article was that good.

Yes, stocks would have appreciated more, but remember when you bought the house, say in 1972, you bought all of it, say 200,000. You gain the appreciation on ...

So what's the moral to the story?

The moral of the story is nobody is forcing you to spend 4% of your portfolio every year. You have option to spend only 3.5% or 3% if you feel you need an extra ...

No, now he is broke because of his spending habits and because of his asset manager.

Be careful. You are in danger of making libellous claims. Even if you've read through the filings and the fina ...

For the sky to fall, that means the atmosphere we breathe is getting denser and denser. At some point, it will be condensed at our ankles so to breath oxygen, we all have to squirm around like snakes. ...

Bug the company to change the plan. No other option.

Probably similar to the special in "special education".

Bizet Symphony in C - Oboe in movement #2 simply amazing

Ballet from Gounod's opera Faust - the entire opera is very melodic but too steep of a curve for classical music beginners

Faure Requiem ...

The being "underwater" calculation is what interested me. I've always felt that "home is where you hang your hat" and while a house may be technically underwater today, that mig ...

rent/cost to own ratio is the determining factor in general. Those numbers aren't even close to normal.

Far too normal in major coastal cities. A friend just bought a house in San Francisco Sunse ...

I assume you live in an area with a high cost for entry into home ownership, since you've saved an average of $20K/year over buying. How did you calculate the "gain" from renting over buyin ...

Periodically, threads appear about "we only have X decades of stock market performance in the U.S. -- how do we know this is really reflective of equities?"

Well you can ask this same que ...

Hmm ... sounds like 401k loans *could* be a backdoor method to contribute more than the annual maximum.

Say you borrow the maximum allowed (50K) and administrator sets the interest rate at 10%. So ...

We might as well just lock this thread before all annecdotes flood in. Smile

Let's just remember that what any of us personally experienced may not be reflective of anybody else's situation. For examp ...

Oh? I could be, do you have personal knowledge of anyone starving? I worked near Skid Row in LA for years and never did I see anyone starving or read or hear a story about someone having starved to ...

I think we have to be a bit careful. For every annecdote about what we'd to cut down expenses in time of need, there's always a floor where we'd stop ... and somebody else with a lower floor looking i ...

What is going on with Southern Cal? Unbelievable breakdown!!

In college football, predictions are based on reputation and past performance even where the players involved in past performance are ...

The 2 bank accounts I use the most:

Bank of America
* $3000/mo free wire transfers to China Construction Bank
* $300/day free ATM withdrawals at China Construction Bank
* Best online billp ...

The merchants who accept your credit card pay the credit card company a certain percentage on every purchase you make.

You have to divide "credit card companies" up into 2 camps. VISA, ...

Regarding the asteroid: The extraction costs would of course be extreme, and transportation of something so large would be nigh-impossible

Sounds like the cheapest way is to use some nuclear rocket ...

The problem is the question implies more than it says. There's a hidden subtext that comes in fore front of everybody's mind because we can't disconnect ourselves from the real world.

If you could ...

Hmmm ... usually you can't rollover your 401K to a personal IRA unless you separate from your company or meet some age thresholds. I don't know if an overseas posting qualifies as separation. You prob ...

If protection against losses is more important than future gains -- then this is the right idea to go. After all, what does it matter if SV/EM underperforms the broad market? Shrug ... just save more ...

For my own company, I've spent a lot of time doing research on HSAs, deferred comp plans, ESOPs and so on and am more than willing to contribute that knowledge to the wiki. I'm in a death march phase ...

If I hold to maturity then I won't lose principle. I didn't realise that. I suppose that's China's intension. But I have bad feeling for Treasury bond fund returns over the next 5 years.

Market t ...

You have to wonder why so many people would let their foot slip and keep pressing the accelerator till they reached a 100 mph and then proceeded to go over a cliff!

Co-worker's wife drive their BMW ...

Need real-time signup (or signup's linked to the forum login) ... when people have an itch to scratch (e.g. fix something, write something) -- they want to do it immediately. Not post a message and wa ...

I'll add a followup to my rhetorical questions.

Some people think bonds should never lose value. Stocks can go up and down but the fixed income portion, it'd better never lose a cent come hell or h ...

If Treasuries & TIPS go down if interest rates go up, what do you think will happen to iBonds, GNMA and corporate bonds? Why do you think those types of bonds will be immune to interest risk?

...

The yield already deducts the expenses.

Same here. I have the Institutional American EuroPacific Growth Fund in my 401K, but it's all large cap. I figure that by adding the international small cap, I can get better exposure to the inter ...

I didn't read this thread the first time around. But now that it's resurrected, it's appears to be mostly investor psychology at the root. Our brains lock in price points we think is ours and until th ...

There is a trick around the fees. A direct deposit will let you keep less than $3000 in the bank side without incurring the monthly charge. Someone else has previously posted they did an automated ACH ...

Thanks for the note; I added The Bancorp Bank to

The stock trades don't make much sense. However, the $5.99 trades for mutual funds work. They have many index funds -- including Fidelity Spar ...

I would be happy if we can get some pretax contributions to HSAbank or HSAadministrators, or the Fidelity HSA if that is good, and have the employer pickup the fees. I am handcuffed to this HSA to sa ...

I like the wacky and leveraged ones. Somebody there has to be losing money in order for financial companies to make enough to stop sucking at the taxpayer's teat.

It seems like either Bogleheads method is wrong, or Taleb is wrong. I'm having a hard time reconciling what seem to be sound arguments from both sides.

In investing, everybody is wrong. It's just a ...

You will be hard-pressed to make any company change at this front. Even at an individual level, it is extremely hard to find good HSA investment options. I've searched far and wide even the best optio ...

The academic-style links are nice but let's cut to the chase -- say I'm investing $1000/mo like the above-average American. I spent $900 of that on TIP/VIPSX (or $450 on TIP/VIPSX, $450 on BND/VBMFX). ...

The academic-style links are nice but let's cut to the chase -- say I'm investing $1000/mo like the above-average American. I spent $900 of that on TIP/VIPSX (or $450 on TIP/VIPSX, $450 on BND/VBMFX). ...

Bodie's idea (similar to Taleb's idea) sound nice. 90% super low risk investments, 10% super high risk. I just have yet to understand the super high risk part and how likely it is for a normal investo ...

I say the evidence is that there's a non-negligible chance of a retiree going broke withdrawing 5%-than-COLAed from a Managed Payout-like portfolio.

Hmm ... I'm pretty sure the payouts for Manage ...

MP were launched by Vg management which refuses to launch an Indexed Series of funds which have been requested by countless Vg owners, namely:
Balanced Index 80% stock (with 20% international) - 20 ...

2. The TIP current NAV = 103.88 and the current market price is 104.01. It is actually trading at a premium. Why then is the current YTD market return = 8.25 % and the current NAV YTD return = 10.8%. ...

I can rest your fears to rest. The IRS will not come after you for gift taxes in any case because the giver is responsible, not the giftee. So say if your sister won the lotto and forgave your loan, t ...

we have all probably, by now heard of the 90% decline from the highs of the 1929 market.

1929 -8.3%
1930 -25.12%
1931 -43.84%
1932 -8.64%

Comes out to 65% decline over the 4 years. Doesn't th ...

I think it's safe to assume that most get paid around the 1st and the 15th

I'll make the opposite case that it's *not* safe to assume that most get paid on/around these 2 dates.

Who's the bigges ...

Gold mining stocks are 20% of my 401k with an automatic rebalancing schedule (comes out to 4% of my investment portfolio).

My wife has 1.5X that amount in the form of gold jewelry from our wedding ...

It's hard to imagine every company in the U.S. not only has the same pay periods but also consistently make their retirement contributions precisely the same number of days after pay day. Companies ha ...

Most of the payout is return of capital, not earnings. In other words, an investor is spending their investment and not growing.

It's hard to imagine any portfolio where a 7% annual distribution ...