Bogleheads

Rules: predict the first highest S&P 500 level that the market will reach that will be followed by at least a 15% drop.
Within what timeframe? Without a timeframe the contest can't end if I say 5 ...

Valuethinker is quiet these days too. Hope that's a sign of a good vacation, not some sort of silent momentum.....
I heard a rumor he left, not sure if volutarily or involuntarily.

Hencke says you'll still want the account records to somehow indicate that the broker is acting as an agent for you and other depositors (such as "XYZ Brokerage as Custodian for Customers"). ...

Most tax software will track your losses from yr to yr, offset any gains, and apply up to $3k against income as applicable. All you have to do is key in the current year data. That of course assumes ...

An article in the WSJ, "Tax Tips for 2009", recommends to take this year the capital losses that you may have generated in the 2008 market drop. The reason, and I quote is: "the current ...

I figure the full-time experienced manager and his associates of our TIPS fund (VIPSX) knows more than I do, so I let him do any shifting he feels necessary.
I believe someone here, maybe TFB, looked ...

tfb,
Like you, I have a SE401k with them (and just rolled in an IRA as well), so am in the 'must use Fidelity' camp. Thanks for the bookmarklet.
OK. I was able to pick up some good secondary CDs. 2 ...

I don't understand the implied message. Why must banks offer free checking accounts? There's so much competition out there. If the fee is too much, don't use the service, pure and simple.

p.s. I read your recent post on
If you don't have the limitation of "must use Fidelity" you will get more if you buy CDs directly from the issuers. If you do want to or have to stay with F ...

I depend solely on sites like Morningstar to advise me on my funds and feel I am unable to do so because of this variation. Are my fears unfounded? Is there a way I can relate these funds to make my c ...

Vanguard is in the best position to answer these questions. If they are getting your business, they better provide you with answers. Call them. I'm sure you are not the only one with these questions a ...

TFB

Learn to read. Then retract your statement and put in what I actually stated.

EFM
You are right. You didn't say in the linked comments who that person is. But who is that person? Inquirin ...

I love it when EF Moody mentions there is only ONE person legally licensed to offer service in the entire state of California and that lone person happens to be himself.

Are you more flexible about following it? Or is it that you are already aligned with your plan?
Yes I'm more flexible. Since we are talking about market timing, ahem, valuation informed investing, I ...

Just hold. I don't think the long term yields are low enough to justify selling yet.

tfb's articles are good, but I believe the second one does not take into account a lower tax rate when doing conversions of traditional 401(k) to Roth IRA that can occur for someone in retirement livi ...

You still could... just enter your transaction near market close.
I am not sure how one can do that. Here is the Vanguard policy I get on every transaction
Same day transactions only for exchanges, ...

Please see [url=http://www.bogleheads.org/wiki/Health_Savings_Account]Health Savings Account on the [url=http://www.bogleheads.org/wiki/Main_Page]Bogleheads Wiki and the IRS and US Treasury links in t ...

What should I do? Sad

Help them find another rental?

Can we get our authors to either accept or reject the items pending author concurrence currently on the wiki page?

Hi tfb:

I don't think this is workable. The book's many authors don't all foll ...

Can we get our authors to either accept or reject the items pending author concurrence currently on the wiki page?

My question is: when does Vanguard create Admiral shares in a particular fund? Is it when the fund holds $X in assets? After Y years?
Only Vanguard can answer this question. Did you ask them?

For example, let's say an order is entered at 10 am to buy shares of TSM. At that time the DOW is down 250 points. At 3:30 pm that day the DOW is now up 200 points ..... so you just call a VG rep and ...

Taxable is not tax deferred.

Is that PERA a defined benefit plan? Can you switch to PERA if you started with 401a? What's the benefit formula? Are you going to stay long? How old are you? If you are older and you are going to sta ...

I suspect it is "old technology" that one previous poster puts it.
That would be my guess too. Nobody bothered to invest in the required software functionality.

Larry Swedroe..

"If your advisor is one of those, run." http://moneywatch.bnet.com/investing/blog/wise-investing/is-your-advisor-starting-to-use-active-management/971/?tag=col1;blog-river ...

The excess coverage is indeed an aggregate for ALL customers, not per customer. I've seen something like up to $50 million per customer but up to $200 million firmwide.

I'm not concerned when I'm using brand name operations but splitting custody is almost costless. You can have a broker that just holds half of the positions. You trade/rebalance with another broker.

Ask Vanguard about these. They will explain it to you. You probably already read what I think about VBS.

better capture the premium associated with inflation protection, Treasury will replace its 20-year TIPS offering with 30-year TIPS.

When Treasury captures a premium, it's not necessarily good news ...

I read in a few posts about 30 year TIPS at a 2.5% real rate. Sounds pretty good to me. Can anyone provide more information on these? My google-fu suggests they come in $10k increments.

Is it be ...

What is best study guide for passing the CFP exam?

Thanks.

LH
Go to the website of a CFP program at a college and look at their required textbooks. I looked UCLA's. They use Kaplan books. The a ...

I came up with two scripts that automatically download transactions and stock/fund quotes and import them into Money. There's a bit of setup work but it's done once. Don't have the url now but you sho ...

Hm, TBF, with 5% does not necessarily seem to be a good deal. With small company like my wife's it is possible that price fluctuations reach up to that amount per day at times IMO so I may get no pro ...

Not strange at all. Some companies made the purchase price 95% of the price on the last day of the purchase period. That's the safe harbor by the new law. The company will have to expense the program ...

To answer the question in the thread title, higher interest rates is a nightmare for investors in longer term bond funds, a godsend for investors in shorter term bond funds. If you are sure interest r ...

I assume the answer to the intial question is: NO, it doesn't matter whether you automatically reinvest or just manually purchase more shares periodically....to get the inflation protection (compare ...

I don't think the fixed rate will go up. It will be either 0.1% or 0%.

Anyone who thinks that TIPS funds provide "full inflation protection" should investigate the correlation between TIPS mutual fund returns (distributions reinvested and not reinvested) and th ...

I put a list of links to the reviews I found on the web on the book's wiki page.

http://www.bogleheads.org/wiki/Bogleheads%27_Guide_to_Retirement_Planning#Reviews

There are six so far (not count ...

Supposedly, one does not take advantage of the "full" inflation protection if one doesn't reinvest the distributions. But is it also true that TIPS funds (for ex., VIPSX), when not reinve ...

I believe the original poster is referring to the figure at the bottom of this page.

http://www.bogleheads.org/wiki/Principles_of_Tax-Efficient_Fund_Placement

This figure suggests that TIPS woul ...

Appreciate all your responses so far. I can see this is not going to be an easy thing to do without sacrificing something (money or morals).
Just found this old thread as I'm thinking about the same ...

Please! I really don't buy the idea that trying to maximize your yield among FDIC-insured banks is somehow a moral issue. Hey, buying a CD from them can be considered as lending a helping hand!
In ca ...

Most plans allow incoming rollovers. Some don't. If your plan allows, call them for forms. It should be easy.

When people say tax deferred account, it's really a shorthand for tax deferred or tax free account. Holding them in Roth is as good as holding them in a traditional IRA or 401k.

I just posted my own review of this book. Should I start a new thread?

http://thefinancebuff.com/2009/10/book-review-the-bogleheads-guide-to-retirement-planning.html

I like the broad approach in ...

If you don't owe a balance, interest rate does not matter to you. I doubt any Bogleheads owe any balance (except 0% APR promos).

Same FDIC insurance regardless of the soundness of the banks is a free lunch to investors. You only have to worry about the "FDIC call" -- if FDIC pays out your CD early and the interest rat ...