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I thought this was a housing play:

Medium-density fibreboard (MDF)

https://en.wikipedia.org/wiki/Medium-density_fibreboard

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http://www.bloomberg.com/news/videos/2016-09-09/vanguard-s-jack-bogle-on-indexing-negative-rates Vanguard's Jack Bogle on Indexing, Negative Rates September 9, 2016 Mutual fund sage and founder of the Vanguard Group Jack Bogle hits back at critics of indexing, the practice of organizing one's portf...

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What you have described is known as a "multi-factor" ETF.

Here is one example:
https://www.ishares.com/us/products/272824/ishares-msci-usa-multi-factor-etf

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Don't forget the 4 to 9% "placement fee"

The estimated value of your CDs at the time the terms of your CDs are set on the trade

date is expected to be between $910 and $960 per $1,000 face amount. See page S-3.

This thing stinks worse than the dumpster behind a fish market.

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Qualifying Income for Roth IRAs
http://fairmark.com/retirement/roth-accounts/contributions-to-roth-accounts/qualifying-income-for-ira-contributions/

Don't forget Spousal IRAs
http://fairmark.com/retirement/roth-accounts/contributions-to-roth-accounts/spousal-roth-ira/

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The Wiki has a nice section on bonds, which explains duration:
https://www.bogleheads.org/wiki/Bonds:_advanced_topics

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If you're trying to cheer us up, you need to try harder.

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The recorded presentation is available on Vimeo

"David and Goliath: Who Wins the Game of Quantitative Investing?"

https://vimeo.com/164907471

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William Bernstein called it two years ago. ETF.com: Do you have a sense, as I do, that “factor-focused” investing is reaching some critical mass these days—and that we can see that in the behavior of the Wall Street marketing machine? Bernstein: I think so. The bozos have jumped into the factors wit...

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Investing in low cost index funds IS brilliance!

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This sounds like a good topic for the Wiki.

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How to Retire with Enough Money: And How to Know What Enough Is

http://www.amazon.com/gp/product/0761186131?keywords=How%20to%20retire%20with%20enough%20money&qid=1453387226&ref_=sr_1_1&sr=8-1

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https://www.facebook.com/groups/1649504642004285/

Dough Rollers on Facebook

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Some may remember that in 2002 the managers of TBM fund
decided to overweight corporate bonds to "improve performance".
This backfired badly and the fund trailed the index by a couple of percentage points.

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indexingfun wrote: Given the limited availability of AQR and DFA funds to investors without advisors, are there other funds/ETFs that combine momentum and value factors effectively in similar ways? A Suite of New Multifactor ETFs for Your Watchlist Credible factors cleverly combined make the MSCI Fa...

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Vanguard has in the past offered to send me a copy of their research report wherein they concluded 40% int'l equities is recommended, but I've yet to actually see it. I am interested to know what sort of data sample they used, so I can form my own opinion of the strength of their recommendation, bu...

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Mel, Hopefully he learned something after reading our book. He said he read the section on annuities (I bookmarked it for him) and returned it to me. His wife said he is still leaning towards getting one. Why pay high expenses, exposure yourself, high surrender fees and pay higher taxes when there a...

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All the advice you need is in seven letters: "Run away!" I'm with you on that, but he is not going rely soley on my advice. I think he regards the Bogleheads as excessively frugal. So I am seeking input from an 'authority' he might trust. I will order Larry's book. Hopefully that will do ...

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A relative is considering a variable annuity as a tax deferral/pension replacement vehicle. I have lent him my copy of "The Bogleheads Guide to Investing" which has a short section on annuities. I have read the Bogleheads Wiki page on variable annuities and its' references. What other reso...

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I believe it was Albert Einstein who said: "Everything should be as simple as possible, but not simpler" If there are proven benefits to making changes to your portfolio, then you should make them. I think this applies to the tax-related changes you listed. Not sure about the 403b, need mo...

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First, assuming attractive but lower-than-historical rewards (the numerator) seems prudent.[27] Recall we believe this “lower-than-historical” verdict applies even more so to traditional long-only capitalization-weighted stock and bond markets (index returns). Thus, the marginal benefit of adding t...

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To provide individual investors with a range of money market funds that maintain a stable $1 NAV, we'll designate 7 money market funds as "retail": Vanguard Prime Money Market Fund Vanguard California Tax-Exempt Money Market Fund Vanguard New Jersey Tax-Exempt Money Market Fund Vanguard Ne...

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https://www.progressive.com/auto/bundling-insurance/

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I see Rudolph!

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FYI

6 Features Disappearing in Windows 10 (and How to Replace Them)
http://www.pcmag.com/article2/0,2817,2485170,00.asp

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If you like TIPS, why not use Lifestrategy Growth and enough of ST TIPS fund to get you to 60/40.

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I just found this. Apparently everyone on Win 7 and 8 will get it.

Windows 10 Arrives on July 29
http://www.pcmag.com/article2/0,2817,2485143,00.asp

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I just got an offer for a free Windows 10 upgrade, full version, not a trial. Has anyone else received this offer? Is it a good idea to get the first version? I have heard it is better to wait for SP1 when they have fixed most of the bugs. I have also heard that an upgraded OS is not a stable as the...

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From the comment section:

In the year 2115, when gold finally reaches $5,000, the ghost of Peter Schiff will materialize and say, see, I'm right.

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6 ways Vanguard has changed the way people invest Chuck Jaffe on Marketwatch writes about Vanguards legacy, 40 years since May 1, 1975. Costs matter Patience matters, too Starting small leads to finishing big You must invest regularly Avoid complacency It’s best to ignore trends, fads and anything w...

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Hogan, There are plenty of financial institutions that offer CD IRAs. Here are a few sites that you can use to research them: https://www.depositaccounts.com/ira/ http://www.fatwallet.com/forums/finance/682884/?start=2200 http://www.bankrate.com/cd.aspx?ic_id=home_investing_bank-rates_globalnav Also...

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canslough,
Thank you for the correction. I hope this is the case.

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Robert T wrote: (i) If you are unsure about factor exposure, then focus on expense i.e. VBR is cheapest (ii) If you want highest size and value loads without regard to alpha (making the assumption that alpha varies randomly around a long-term value of zero – sometimes positive, and sometimes negati...

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Ketawa,

Sorry, I was talking about the new Ishares multi-factor ETFs, not AQR.

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pauliec84, Thanks for the quick reply. 1) If you have access to AQR funds this is best multi-factor approach. No access. But they cancelled US small and EM funds. 2) I don't like the Quality Mix funds as they give you very minimal exposure to factors (see below). Agree, but not many good alternative...

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Sadly there will be no domestic small or emerging market multi-factor ETFs.

What are the best candidates for these slots? I use QEMM for EM, thinking about IESM for US Small.

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long-term investors can obtain similar or better performance than Smart Beta funds from a simple mix of a risk-free asset and a portfolio which combines passive cap-weighted exposure to market, size and value premiums, while paying a fraction of the cost. This is not the three fund portfolio, this ...

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http://www.bogleheads.org/forum/viewtopic.php?f=9&t=105598&start=50#p2466956

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You may find this helpful.

http://www.bogleheads.org/wiki/Backdoor_Roth_IRA

Also check out the tutorial by tfb referenced above it and the external links at the end.

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Buy in May and then just stay (the course)!

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"Vanguard Plan To Launch Alt Fund Raises Eyebrows" http://www.valuewalk.com/2015/03/vanguard-alt-fund/ "Vanguard Group, a low-cost mutual fund industry behemoth, intends to launch a new multi-alternative mutual fund called the Vanguard Alternative Strategies Fund, kicking off a passio...

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Interesting discussion here:

"The VIX as a hedge of market risk"
https://www.bogleheads.org/forum/viewtopic.php?f=10&t=111499

including Larry Swedroe and William Bernstein

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I think I just heard Mr. Bogle retching.

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Is there any way that Vanguard might agree to put a link to the petition on their web site?

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http://www.fuw.ch/article/the-stock-market-seems-to-be-ignoring-the-big-risks/

Bogle interview: The stock market seems to be ignoring the big risks (but stay the course!)

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