Bogleheads

Two years ago there was lots of talk here about international REIT funds, and about commodity CCFs. No one is talking about them now. Is this because we have learned more and now realize they are no ...

The women are beautiful but that aren't interested in you because you are an old guy.

Pay off the mortgage.

You will not run out of money so your decisions are all for your children's inheritance or charity.

Put 20-30% in stock index funds at vanguard, not for yourself but f ...

Is the burden of proof on me? The thing your describing is an easy strategy for day trading; so I think the burden of proof should really (at least in initially) be on you. And on the original poster, ...

drjdpowell wrote:
The day after a down day isn't necessarily any more likely to be up as the day after an up day.

Do you have evidence for that statement?

I think the day/week after a big down ...

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 would hate to see the Wiki disappear, but I don't think we are ever going to see a large group of forum members contributing. So, what can we do?

We don't have to do anything. The Wiki is exce ...

I read it the way earlyout does. You must have lived there 5 of the last 8 years.

It doesn't matter to me though. I've lived here 15 of the last 15 years.

Buyers who have owned their current homes for at least five years are eligible for tax credits of up to $6,500,

Does a tax credit mean money you take off your taxes, or money deducted from your in ...

I indicate I want to buy and that I will pay $100 over their cost

I research the price beforehand, so I know what the numbers should be.

How do you research the price and get their cost?

Isn't there some rule that if you have had the fund for a certain number of years you only need $50K for admiral shares? How many years is it?

If Admiral shares go below $100K, do they change to investor shares? Could you move $100K into short term investment grade admiral, then a week later move half of that into another fund, leaving $50K ...

This is all math done in my head, but you are 37% fixed income, 63% stock. Age 61, that makes you (Age - 24) in fixed income, or (124 - age) in equities. That is more in equities than I have seen r ...

My problem with Schwab is the constant bait and switch. Twice I have opened high yielding bank accounts with them. A few months later the yield goes down. Then a year later there is some new accoun ...

Lots of people here say you should see bonds as a source of stability only. The recomendation is to use the safest bond funds or CDs, and take risk in stocks.

I follow that logic, but where do y ...

Funny. I haven't used my BOA card in years and they are not charging me an annual fee. On the other hand I have a checking account with them.

Thanks. It doesn't say exactly when they will be available, just late 2009. Has a date been set yet?

I think I read here somewhere that there are some new Vanguard bond ETFs coming out next month. Is this correct? I can't find any info on them.

So if all the others are like Bank Am, it looks like a pretty small percent of people will get the annual fee, and they will get a letter telling them about it.

I emailed bank america about my credit card with them. This is what they said:

Bank of America has announced that it will begin applying an annual fee
on less than .5% of consumer credit card acc ...

Still seems to me that when folks like David Swensen and Bill Bernstein advocate hedging currency concerns by buying foreign equities (not foreign bonds), that might be where the focus should be. I, f ...

BWZ expense ratio is 0.35% with YTM of 1.7% (YTM before the expenses)
BWX expense ratio is 0.50% with YTM of 2.8%

I see a number of Vanguard international stock funds with expense ratios over 0.5 ...

Will the credit card issuers be required to send out a letter telling about the new fees, or will they just appear on the statement?

Don't drink and go to meetings.

How would you rate these funds in order of tax efficiency, and how could I look this up for myself:

Short Term Investment grade bond
REIT
Small Cap Value
Mid Cap Value

I listed them in the or ...

Cash reserves should be in cash. Bonds, even short-term bonds, are not cash

I would go farther than that. Something that is not in cash is not a cash reserve no matter what you call it. I might a ...

traveled for three years

Tell us more. Where did you travel to? Where did you consider living?

As a nation we have no fiscal discipline.

True, but what other country on earth can you think of that does not have worse problems than we do? This is a serious question. There may be countries ...

I rambled a little but never sold my house and eventually decide to stay where I had lived most of my life. The big issue was friends. I know so many people here. I still have friends from high sch ...

MMF at my credit union. 1.5%. Not great rate but good enough. It is too much trouble to move money from place to place chasing higher rates.

I bought the Vanguard TIPS fund when everyone was talking about it last year. It has gone up about 12% since I bought it. I am thinking about selling part of it and moving it into the ST investment ...

The price of a stock or bond reflects the combined judgment of all the people buying or selling the stock or bond. Is that also true of the price of an international currency, or are there other forc ...

Quote:
Would respectfully request that people stick to the question in the OP as to how one can tell if a bottle of vitamins is what it claims to be

I respectfully disagree. It is normal in any ...

Would respectfully request that people stick to the question in the OP as to how one can tell if a bottle of vitamins is what it claims to be

I respectfully disagree. It is normal in any conversat ...

I just took the test. I think it was a waste of time. The results just fed back to me the answers I had given. It did not recommend a stock/bond balance like the test on the vanguard site does.

For the small investor who is investing less than $100K and gets the FDIC insurance, is there ever any reason to buy treasuries rather than CDs? Don't CDs always have a slightly higher return than tr ...

Try CarMax. No haggle fixed price that is very competitive. Long term guarantee's that they do honor.

If I have some excess money from my paycheck to invest, and I put it into a bank account or MMF rather than into a stock mutual fund, and I do this with the idea that at some time in the future I am g ...

This whole thing sounds like a plant by a competitor company to make Vanguard look bad. I've been with Vangaurd for over 25 years, and I've never encountered anything of the sort. Yes, they can make a ...

I feel like redrock has left us hanging. I will be glad when he comes back and gives more details. I am curious about how many trades you have to make to get frozen.

I read stuff like this all the time: "with trillions in cash on the sidelines waiting to get in the game, the market's headed in one direction: Up."

Someone posted here recently that thi ...

Probably, but how can you be sure? The threads and posts that try to espouse this view often get deleted without a trace.

That is true. I might possibly hold the majority view.

I just skip over the topics I am not interested in. It does not bother me at all when people post off topic stuff. I don't read it, and if it makes others happy to post it and read it that is fine ...

What does PP stand for?

Thanks for the info. I needed this for a friend. I would have called but it is Sunday evening.

What is minimum to open an IRA at Vanguard?
What is the minimum to avoid fees?
For someone just starting with a small amount, is there some place better than Vanguard?

I have not used Windows 7. I am still on XP and linux. For those who have used it, what do you think?

The right answer is nobody knows what the ideal percentage is.

Actually I know. Nobody will believe me, but I will tell you anyway. The ideal international allocation is 43%. That's what I have, ...

Also, if someone were dabbling with the main motivation being foreign currency exposure, it might make sense to go with longer duration (same effect, but you can own less). So I would personally prefe ...

I guess if you want safety, short CD's give a better rate than a short bond fund with lots of govt bonds. At least that's the way it is now. Is it always that way?