Bogleheads

Great gems, Taylor. Thanks for posting them.

I guess it's "special" because it has a $100,000 limit, when most CDs don't have that limit. FDIC coverage is more than that also. Question

Even someone of your age should have about 20%-25% of their portfolio in bonds. If you want to be really aggressive like you say, make it at least 10%-15% in bonds. There isn't really any advantage in ...

I'd recommend at your age that somewhere around 20%-25% of your portfolio should be in bonds.

Congratulations on your early retirement. Now you have more time to spend with your "ladyfriend." Wink

I'm a believer in having around a 50/50 allocation of US/International equities. Personally, I wouldn't have a problem having all of my equities in something like Total World Index which is almost 60% ...

I see absolutely no problem with putting a lump sum into Total Bond Market Index, especially if you don't plan on using the money anytime in the very near future. It's a rock solid fund.

Ben Stein is a joke.

...and some things never change.

My Windows 7 HP isn't even as old as this thread and had it's first Blue Screen of Death tonight. When it rebooted, it didn't know it had a hard drive or OS. Fi ...

"Starting in May, it will also sail to the Western Caribbean, including Labadee, Haiti and Cozumel and Costa Maya in Mexico."

Haiti? I suppose they are building a fake HaitiWorld for the ...

I have never tried linking it to a savings account, but I do have it linked to a checking account.

His updated book sounds interesting. Thanks for your detailed post, Taylor.

I always enjoyed his "Borat" and "Ali G" characters from his show he had on HBO years ago. I was never crazy about his "Bruno" character. I haven't seen the "Bruno&q ...

You might be able to count me in for a future meeting in Philly. I can't make any guarantees, but I'll keep my eyes open.

I'd recommend the TR 2030 fund for her. It's simple to maintain, well diversified, low cost and it is very close to having her age in bonds.

If the US Government defaulted, the entire global financial system including all banks worldwide would stop functioning indefinitely and you would not be able to sell your foreign bonds even if you wa ...

I use both automatic and online bill payment.

You will probably have to liquidate your stock holdings but you might be able to hold onto your individual company stock using Vanguard Brokerage services if you wanted to do that.

You should prob ...

I say the same thing about cell phones Laughing

I hear you on that. I've only had mine for a few years, but I barely use it. The only reason that I got one was so I could keep in contact with my famil ...

Living in Philadelphia, I see plenty of people truly in need as well as those who lie in order to get money for other reasons.

The first thing you have to take into account is your personal safety ...

I wouldn't worry too much about Cage. It's a known fact that he makes at least 20 million dollars per movie. Rolling Eyes

In a year or two, financially, it will be like nothing ever happened.

I would probably use Twitter...if I was 12.

I'm not really into following the masses. Just because it's there and a lot of people use it -- doesn't mean I'm going to use it.

If you have gold in a Roth IRA and it appreciates in value, and you sell it and then take that money out in retirement, are the gains taxed at all?

No, not with a Roth.

I would stick with FDIC Savings Accounts/CDs. He could also go with a short-term bond fund or even an intermediate-term bond fund like Total Bond Index, or GNMA if he wants to take slightly more risk.

I think gold is way overpriced right now. I predict it will be under $800 an ounce in a year or two.

Why do you want to buy gold now? It seems like you're just chasing past performance -- and buyi ...

I'd recommend that at least 35%-40% of your portfolio should be in bonds/cash.

I keep the majority of my cash 50/50 in Total Bond Market Index and GNMA. I also keep some at my local bank and ING Direct. I just call it cash -- it's not strictly an emergency fund.

I think the mods do a good job on this forum. I also think that knowledgeable people will always come and go -- that's just how it is. These forums don't just hang around on the advice of one or two p ...

Nice interview, Taylor. I definitely enjoyed reading it.

What I found most interesting is so few people seemed bothered by the way the OP was lied to regarding a 40 hour job. I'd find that hard to accept and would soon be on my way to looking for a new job. ...

The NAV on GNMA funds still move up and down relating to interest rates, so there is a possibility of losing money.

It averages high quality bonds with a rating of AA- which is good, but it also has an average duration of 9.2 years which gives it a good amount of interest rate risk if/when interest rates rise. It's ...

No, you would have to settle for Long-Term Tax-Exempt-VWLTX.

You're just dreaming. FDIC Savings Accounts and CDs are the closest things you will get to that. Once interest rates go up, money market funds will be a good option also.

For low risk bond funds, c ...

Liefvn:

With a combined net worth of nearly 4 million dollars and your age, 81 and 74, Why in the world would you want to risk any of your nest egg in the stock market?

Your broker is absolutely ...

I asked the adviser to put everything I had into cash reserves. He said that was a bad idea and, instead, moved money to less risky funds. Within the next six months my accounts lost some 40%.

&q ...

I am considering leaving Vanguard. Their VBS is slow, down a lot, and expensive. Pershing was better, they didn't charge you twice for adding more shares on a second (same day) purchase of the same s ...

I don't think there is a supervisory position on the plant that will provide a 40 hour work week.

Well, maybe in France. Smile

Chris

Not even in France (I worked for a US based company that was ...

Having a stock allocation of anywhere from 15%-30% is just fine for someone with you and your wife's age.

Congratulations -- you timed the market and got lucky.

It's a free world -- if you want to work somewhere else, go for it. There are plenty of good reasons to tell someone why you're leaving a job. You don't have to give the real reasons. Tell them you're ...

That's really strange, because I don't have Moderator capabilities in this forum, and I can't vote in any poll on this forum, nor can I start a new thread. So this forum obviously has some special lim ...

We finally resolved the problem by having my dad join and take out an insurance policy on one of his vehicles. The rate was almost twice his current policy, but we did it to gain access to USAA. Onc ...

I'd be afraid that this would trigger some re-evaluation of whether he actually needs the assistance.

Needing unemployment compensation isn't a qualification for getting it -- it's not welfare. If ...

It can be a time waster, for sure. But the time I waste on Facebook returns greater satisfaction than the time I waste watching TV.

I barely watch any TV myself, except for sports or movies. I'd mu ...

Joe Montana is obviously the best QB ever. He definitely had some great players around him, too.

Too bad he isn't available this year. He would be a great replacement for Johnny Damon.

Sam I Am

Without Damon, the Phillies might have been World Champs right now. I guess they aren't resigning ...

CIU looks much better. Better returns and it trades at a much higher volume.

I don't use it -- waste of time IMO.

There's a reason I don't talk to certain old friends or people I used to know -- I don't want to. If I did, I would've never lost contact with them in the firs ...

I bought a 42" Panasonic plasma from Amazon last year. The first one they shipped out actually had a cracked screen, but the delivery service took it back with them the same day and I eventually ...