Bogleheads

I still need you to help me understand what that money in taxable is for. You don't have to be specific. Is it for retirement? Please answer with "yes", "no", or "not sur ...

thank you very much for your patience, DJG! very nice long article.
I am sorry for the confusion. this is the scenario for me:
1) I have set up my retirement profilo, which basically follows the ge ...

a quick question about hsa:
I can only use the money already in the account.
cannot use the future contribution. this point is similar to daycare fsa.

for health fsa, one can use up whole annua ...

Let's settle on how to use a couple of words so the rest of the people reading this don't get confused.

"Taxable" = money that is not in a tax-advantaged account. It can be for retirem ...

Opps, you got the wrong message! You can post about any type of investing you want. (What you can't post are things that are political or religious in nature. It just leads to fights.) If you ar ...

Just so you'll know, I don't think many Bogleheads would consider Harry Browne's Permanent Portfolio a "classical model". Yes, there is a long, in fact very long, thread on that idea, but ...

What I find funny is that SEC prefers settling cases as if it is accepting a bribe.
JPMorgan pays $700 million and SEC gives it a letter saying there is no acceptance or denying of any wrongdoing ! ...

how about some tax-benefited gov/state bonds, in order not to pay tax?

Yes, it would be a given that one would decide the appropriate trade-off here.

Based on linuxizer, then only cash and bonds ...

actually today, bad news:

http://finance.yahoo.com/news/Stocks-slip-on-technology-apf-202920318.html?x=0&sec=topStories&pos=1&asset=&ccode=

but fresx increases 2.15%! confused m ...

how about some tax-benefited gov/state bonds, in order not to pay tax?
Read more. Post less.

well, this is supposed to be a learning process, isn't this? Sad

I'm almost ready to refinance my mortgage to a 30-year and lock in a 4.75% rate. It would not really have anything to do with saving money because of a lower interest. It may sound crazy, but I am w ...

I did. actually I also read at the real wiki. but still confused.
for example, in this crisis, i don't the rent changes a lot. only the property value change a lot. and the result? the big drop on re ...

is that true that all REIT funds are closely related with the properties appraisal values?

thanks!

how about some tax-benefited gov/state bonds, in order not to pay tax?

so we don't have anything ready available?
thanks

fidelity ones are cheaper on expenses (0.1%)?

IF the gold price will be up during the next several months due to the coming inflation, which one, gld or slv, is better to invest? thanks!

Are you planning on investing for retirement in non-tax-advantaged accounts (in which case you should look at both taxable and tax-advantaged accounts as a single portfolio), or are you using the non- ...

I know for retirement ones, there are some classical models, such as HB's PP.
so for non-retirement (ie. taxable) account, is there any similar allocation theory?
thanks!

for a new house, they pre-treated the woods/studs (about 3feet up from the slab).
how long can the pretreated woods prevent the termites?

some pacific funds or emerging funds?

gld price was the same, but funds price dropped a lot. but why did no one see this arbitrage?

Gold stocks are pretty much on their highs - aside from volatility.

GDX peak was Mar 10th 2008 (B ...

http://www.tiaa-cref.org/performance/retirement/index.html

We can see all returns (mfs, and bonds) were positive on nov 4.
Also the H-Y bonds has the best YTD (38%, well above the second one, 29% ...

2.5 is a standard multiple representing the leverage senior gold stocks will give you to the underlying asset, gold. Silver almost acts in lockstep with HUI/GDX, so if you'd rather own "someth ...

gld price was the same, but funds price dropped a lot. but why did no one see this arbitrage?

Gold stocks are pretty much on their highs - aside from volatility.

GDX peak was Mar 10th 2008 (B ...

http://www.tiaa-cref.org/performance/retirement/index.html

We can see all returns (mfs, and bonds) were positive on nov 4.
Also the H-Y bonds has the best YTD (38%, well above the second one, 29% ...

another stupid question. this pp is for retirement account (right?). what is the similar thing for non-retirement account? HB discussed it? (I guess the most important factor is tax).
thanks!

This is my confusion part. for example, a lot of people know indexing is good. but not a lot of people know pp. Also why those companies (including vanguard) like to promote TD funds, not pp? I think ...

I think most people who follow the Wall Street "talking heads" are unaware that the HB PP exists, due to lack of product marketing (but may be aware of indexing and Target Retirement str ...

for gld price:
1) why is there a huge increase from 70-80?
2) why is there a huge decrease from 80-2001?
thanks!

Briefly...

1. Nixon closed the gold window in 1971, effectively taking the U.S ...

most went to lawyers, I forgot to mention.

for gold price:
1) why is there a huge increase from 70-80?
2) why is there a huge decrease from 80-2001?
(any relationship with dollor stength?)
thanks!

Here is another chart of the dollar value of gold.

Keep in mind that the dollar is worth dramatically less today than in the 1970s so you need to look at an inflation adjusted chart. The price of g ...

why does the gov put such limits? any background info?

I'm speculating that the limits are in place to keep institutions and large investors from loading up on them. The deferral of taxation on th ...

Since you are taking on management risk and also leveraging the "in the ground" assets, gdx will be a leveraged play on the price of gold by about 2.5.

That said, a market disruption coul ...

It doesn't check a list (although the forum may have a sitemap), it simply crawls the web. I have a few websites that I only update once daily (sometimes less) and they are almost always indexed by ...

if one bet on the price increase of gold (a big IF) in the next 12 months, then which one, gld etf, or gdx-related funds (mining companies), will be better?
thanks!

I think the OP is looking for country-specific sector funds.

yes, or region sector (including AU in big percentage).

FYI, there is a $5k per person annual limit on purchases. That is $5k for Treasury Direct (on line/paperless) accounts and another $5k for paper bonds which you can buy at your local bank. So theoreti ...

do TD funds make good sense?
Yes, provided they are used properly and they are suitable to the investor.
The asset allocation should be suitable for the investors risk tolerance and goals.
Genera ...

Here's the web portal to Vanguard's other web sites: https://global.vanguard.com/?fromPage=portal

There are ones for Australia, Asia and Japan.

Paul

thanks. opening another account in another ...

Recoginition by Goog is sweet for bogleheads and others.....imo. just sayin..

yes, but 30 mins, that is too quick, isn't that?

Thanks, Tex and Roy. but I think pp is for long term, so the performance of a particular period/market should not be a concern (at least in theory Very Happy

), right? As long as the long term result is good ...

I posted a question half hour ago, and then google finds it, the first one!

too good to be true??

I think that when everyone is talking about buying something it's usually the time NOT to buy.

I think the question is: how long do we keep it and then sell it?
not about buying, maybe Sad

I know the simple answer will be the more, the better.
but for realistic purpose, how much does one reasonably/normally need to save, for the middle-class couple (vague concept Smile

in different age ...

and korean? better to be fidelity ones. not necessary to be on those markets only, but need to have good market shares on them.
do you folks think those markets look good in the next 12-24 months?
...

Every radio station and TV station has someone hyping gold. The hype is so pervasive it's ringing my alarm bell, and the alarm bell says CAUTION. Sure, our dollar isn't looking that good, but does th ...

in the thread on permanent profolio, I ask: why don't the retirement accounts 2020, 2035, etc, follow this stragetry?
I was told this question needs another thread. So here it is Very Happy

do TD funds ma ...

Frankly, I didn't read all the repilies. so many Embarassed

(it would nice if someone can post a summary Very Happy

)

I have two simple questions
1) what are the disadvantages for the this permanent prof ...