Bogleheads

I am on track to pay off my house by age 48...
I just doubt humans on average invest the difference they see from a 15 year to a 30 year mortgage, that money I bet gets consumed more often than not ...

... If you exercise now, you essentially forfeit the time premium... However, since you are likely holding those options in another employer based account, from the eyes of the broker, you are selling ...

The Kindle does support free eBooks. You download them over the USB cable. My friend with a Kindle does it all the time.

Paul, sorry I was not completely accurate. I should have said that Kindl ...

...The system we have shouldn't only be about our profit. Its time to step up and share the wealth.

SP-diceman, although you were clearly trying to be facetious, I completely agree with that sentim ...

The Barnes & Noble Nook is going to be pretty sweet. Unlike Amazon Kindle, Nook supports free public domain eBooks, and eBooks that my local library loans online. I am a Kindle owner but find the ...

I am leaving a corporate job with a number of exercisable but presently 10% or so out of the money employee stock options that will expire in about 5 months. While it won't be a critical decision rela ...

For munis, when you buy, you can see, and pick from, hundreds or thousands. Your commission will likely be much higher than for a stock buy, but still, not too bad.

If so this should imply that ...

What is cohousing? How is that different from having a roommate?

Cohousing is a living arrangement combining private homes/apartments with a larger than typical amount of common space, including a ...

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Basically I have been taking less and less risk since 2000
Starting from about 90 or 100% stocks in 2000
to 50 or 60% in 2003-2007
to 30 or 40% in 2008
to 10 or 15% in 2009
Maybe 5 or 10% go ...

grayfox, With all due respect your risk seems to be chasing performance rather than sticking to a plan. Jan 08 you seem to have been 40% equity - now you are 9%. Rhetorical question: how many moves di ...

Denmark invented cohousing and today 1% of the Danish population - 50,000 people, the equivalent of 3M people in US - live in cohousing communities.

I'm not suggesting there is any causality at wor ...

...with the remaining small ten percent, you are encouraged to go to the casino

DRiP Guy, Taleb seems to have expressed different viewpoints around this over time, but his core recommendation is to ...

Actually, the Boglehead method ... fits quite nicely with behavioral economic tides. ... no better method of investing has been found for the average person ... And concerning black swans, far from a ...

Ray,

Thanks for the feedback. Seems a sound approach. I had a Dahon folder at one time, and was unimpressed with its riding characteristics, even though as you say it was nice to take on public tra ...

Hi Freebeer:
The source of the Boglehead Philosophy is Mr. Bogle's

Hi Taylor,

Yes indeed and I found it a compelling exposition. I should have noted, perhaps, that I have a "Bogleheads&qu ...

Recent years have seen increased interest in behavioral economics. I'm wondering if folks here could offer their POVs on implications for Bogleheads.

Specifically I'm interested in implications of ...

Ray,

Lovely trip. It looks like you customized your frame with couplings facilitating travel as checked baggage. I'm wondering if/how you thought through the decision to go this route vs. other opt ...

Ray,

Lovely trip. It looks like you customized your frame with couplings facilitating travel as checked baggage. I'm wondering if/how you thought through the decision to go this route vs. other opt ...

The fact that the theoretical efficient frontier for annuitization is 100% is not unnoticed in much academic literature... I saw an article on the phenomenon that annuitization is underutilized by mo ...

These arbitrary 25% or whatever rules of thumb are just silly.

The decision of how much to annuitize is in no way related to the "lumping" vs. "splitting" debate, or even the de ...

The "sit in an empty shack with just the bare necessities" crew is always ready to leap in with their "guilty of being alive" ethics. Ooops, did I just push my platform?

To 'fe ...

There probably isn't a more generous nation than the US....So lets not lay a guilt trip for solving a rabbits problems

I don't want to get into a political discussion, prohibited on this forum, but ...

ftrobin,

I applaud your out of the box thinking. People have brought up various good points in the thread but I think it's pretty clear that almost all "vanilla" Bogleheads-style portfoli ...

...unless you are truly living with only "needs" and with no "wants", then I'd be careful casting judgment on others' "wants".

In other words, unless you earn just e ...

...unless you are truly living with only "needs" and with no "wants", then I'd be careful casting judgment on others' "wants".

In other words, unless you earn just e ...

I spent a few (probably 3-4) thousand dollars on my cat over the last 18 months or so of his life... there is nothing that I could have done with that money that would have brought me more happiness
...

The ability to avoid the 401K contribution cap sounds very good indeed - looking at links like: http://www.smsmallbiz.com/benefits/The_Perks_of_the_Solo_Defined-Benefit_Plan.html - it allows you to i ...

That's a pretty definitive statement - got any references to back it up?

...The only value of SWR is if it really is a SWR. If you can't count on X dollars plus inflation, there is no point to it. You can argue 2% or 3% or 4%, but it should always be based on the all-tim ...

Is it just me or is it weird that a forecast features big broad asset classes like "US Large Cap", "International Small Cap", "Emerging Market Bonds"... and then "Ti ...

"it's a test of long-term rewards versus short term gratification, and quite a large number of test-takers got an F."

Uh, that depends on the grading criteria. Carpe diem folks, because i ...

Or just withdraw all funds? One of our 529 providers has an option to withdraw all funds but leave account open, which would be convenient, but I would not want to jinx the tax loss harvesting...

"currently yielding..." is not nearly enough information to base putting all your eggs in one basket (nor any comparisons with other potential asset allocations). What's the yield looked lik ...

I'd walk (assuming negative equity). The savings of $8200/year - easily at least $10K when you consider maintenance, vacancy, not to mention management fees since you are remote - if you invest it yo ...

The elephant in the room is that this is not mainly about poor investment options/decisions, certainly not whether TIPS is better than nominals etc.

The reality is that the formerly prevalent defin ...

He didn't "lose" all 96% - sounds like a fair bit of consumption has been going on:

"His 157-acre spread in New Mexico has a massive house, general store, 35-seat movie theatre and a ...

How can one person DIY for a life annuity? The main point of an annuity is the mortality credits. I.e. those who die sooner fund those who live longer. Anything that tries to "duplicate" the ...

These anecdotal stories are misleading, and to the degree that they scare people off bikes, almost certainly counter productive.

We are a nation of sedentary fatties. Two-thirds of all Americans an ...

2% real for life with very high confidence should not be hard, even though the income level of a $7M taxable portfolio does mean that TIPS will not be efficient.

How about: start with a balanced po ...

Perhaps I should rephraise my question:

Traditionally how have high income/high taxable investment account holders invested? What would Zvi Bodie recommend to someone with a $7M taxable account?
...

...can someone define (perhaps by either size or in $$$) what a McMansion is? ...

It's not just about size or $$$, but also about a combination of over-imposingness (e.g. too big for its lot) and a ...

I do consider those things you mentioned to be benefits to the economy. Hiring Americans is a very beneficial to the economy and hence my mutual funds' holdings....and not just on a "very short t ...

I'm assuming the macro-economic impact that large houses will have on the economy/tax base. A large house means more housecleaners, pool guys, more electrical usage which means more people hired by th ...

We have achieved FIRE-readiness though in late 40's, so no longer so "E" ("early").

I think the bugaboo here is the "R" word ("retirement"). It's not about w ...

To reframe nisiprius's point: with withdrawals dialed down to a very high likelihood of success, the main difference between a high stock allocation and a low stock allocation is the greatly increased ...

Pres,

The bottom line is that the risk of running out of money before death is a lot higher if you retire very early, for a given portfolio size and desired withdrawal rate. The 4% rule of thumb SW ...

One way to reframe this is questino is: are there relatively low-risk enterpreneurship opportunities? For example, it seems that Korean immigrants very frequently buy/open dry cleaning businesses. My ...

Home values have historically gone up because of the quality of the materials...

Suprised to hear this, wde. Seems the conventional wisdom is that long-term appreciation is driven by location (..., ...

Doesn't take much to add value beyond fees charged, just avoiding a few mistakes can make all the difference.

Larry, I think this is the crux of the issue.

But what are the average fees charg ...

....One source that looked at SPIAs in 2007 estimated that the "load" is in the 2-5% range...On Vanguard's site, http://www.aigretirementgold.com/vlip/VLIPController?page=RequestaQuote , the ...