Bogleheads.org

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2828.00

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The Arthur Fonzarelli line works for me.

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2357.00

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2105.00

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I'd welcome a Vanguard ISV fund, as well as a better ILV option than VTRIX.

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[OT link removed by admin LadyGeek]

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1959.66

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The advice you've gotten so far is very good, but I don't think it would do any harm to put a percent or so into blackface Fenders.

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I'm pretty sure Dr. Bernstein said several years ago that he'd changed his mind about the ability of well-informed investors to manage their own portfolios adequately. I think watching investor behavior during the more recent downturn has made him even less hopeful about the prospects for DIY'ers, t...

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Wade appears more confidence in how various market sectors will perform in the coming decades than I do.

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...a May 1978 issue of Institutional Investor made Rosenberg a cult figure. The cover depicted him sitting in a pink robe on top of a mountain with hands lifted in the air, flowers around his neck and shoulders, and throngs of money manager giving praise to this disciple... Google Images didn't fin...

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I love the AKG K240 Studio . These have a replaceable cord. The headphones sound great, very flat response, and should last a lifetime. The main thing that's likely to break on well-made headphones is the cord which can be replaced on this model. Some time ago I bought Sennheiser HD280's, and while...

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Thanks for posting that...gonna watch it later.

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...AFAIK, you can follow the Pied Piper's and math wizards of 4% and higher inflation indexed withdrawals, but do so at your own risk understanding you are making the later golden year's cat food and life under the bridge bet... This sort of thing turns up in most SWR threads. I wonder what % of th...

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This era of lower returns I've been reading about the past few years has been brutal.

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1858.

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I gave up and sold this disastrous asset class a while back, but unfortunately, piled the proceeds into the toxic, hazardous waste asset class instead.

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Grt2bOutdoors wrote:
louis c wrote:
I think those who are changing their stock allocation because they don't like current bond yields are making a mistake.
Experience can be a harsh taskmaster.

Indeed.

The past ~18 months haven't been so harsh though. If the market drops ~27% we'll be back to even.

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I think we're paying a high price for a dollar of earnings in bond markets these days. After reading Warren Buffett's Feb 2012 piece in Fortune magazine in which he mentioned bonds currently being priced to provide "return-free risk" I abandoned my plan to double our bond allocation upon m...

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pkcrafter wrote:Ned, funny you were thinking about a golf analogy, so was I. In this way...
In golf you need to keep your balance during the swing, same as in investing.
Paul

I think some Bogleheads just carry a sandwedge and a putter.

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Fungus, you might want to review this thread: http://www.bogleheads.org/forum/viewtop ... st=1816556

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Seems like a high-impact method of exercising for a guitar player to consider.

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I don't know if there's much interest for all this as nobody is commenting. I'm keeping an eye on this thread. I welcome your work on variable withdrawals. I've previously modeled variable withdrawals using FIREcalc, simulating various degrees of % of remaining portfolio WD schemes by pumping up FI...

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It would be great if there were some way that the baton could be passed to have FIRECalc be carried on into the future once the originator decides that he no longer has the time nor ability to continue with it. The guy who created FIREcalc and found the associated Early Retirement forum ("Dory...

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I hate to be the bearer of sad tidings, but at today's super low real interest rates the 4% rule will have a very high failure rate. The studies of SWR's that have looked at past historical periods don't include extended periods where real LT interest rates are negative, as they are today. :( :( Bo...

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In view of their work backgrounds, if the market were to crater in the early years of their retirement they might still be able to find some sort of work, like delivering pizzas or mowing lawns to address any shortfall that might appear.

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Makes sense to me. I expect that Vanguard will lower the ER and reduce or eliminate the in & out fees at some point, but until then International Explorer looks like the better choice to me.

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.... The issue is: 1) what is the most comfortable system for adjusting withdrawals? 2) If you're going to make flexible adjustments, what's the evidence that any set of numerical rules is going to work any better than Taylor Larimore's system : "We simply withdrew what we needed and kept an e...

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1530.33

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30 years ago my grandmother fell under the spell of a succession of newsletter writers, each more pessimistic/paranoid than the last. It drove my father bonkers back then. For the past decade my father has done the same thing. In the event that there is a dominant gene at play here, I'm going to mak...

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I think people's tolerance for risk varies MUCH more than you'd guess by reading this board. Some people are comfortable deriving their income from a small business, while others wouldn't dream of leaving a corporate gig to do that. Similarly, some people are comfortable scuba diving, flying private...

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...I'm certainly not opposed to including it if that is what Jack actually means all the time - rather than a comment that might have applied to a situation or a comment about a way to do things as opposed to the way to do things. I'm just not convinced yet, but I'll keep an open mind. I'm not at a...

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I agree with Starboard...to intentionally omit a (rather significant) portion of Mr. Bogle's comments is a misrepresentation of his stated views.

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I just bought a Tracfone. Mine uses AT&Ts network but they have phones that use Verizon. Here is a site that will tell you how to figure out what phone to get based on which network you want to use. http://www.prepaidphonenews.com/2011/12/how-to-get-tracfone-net10-or-straight.html You might be ...

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We've used Verizon cell service for a single user for several years now and haven't had any complaints. Upon her retirement my wife had to surrender her company-paid Blackberry. We're looking over our expenses and have decided to let go of our land-line phone and get a second cell phone. We're out-o...

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To say that one has exhausted their human capital upon retirement is an exaggeration in most cases.

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Beagler wrote:
yobria wrote: Then what point is Dr. Bernstein wrong about here?:
Will you concede that in the hard light of day, Dr. Bernstein still tilts his portfolios to small and value, even today (as has fairly recently been communicated through Mel)?

I think he's already found a quote he likes.

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I found Warren Buffet's recent thoughts on equities vs bonds to be compelling:

http://finance.fortune.cnn.com/2012/02/ ... er-letter/

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You're already 54, and I think the likelihood of the government addressing SS funding challenges within the next 12 months is about zero. Once you make 55 I think you can count on 100% of the SS projections, but it'd probably be reasonable for a middle-class couple to lop off a couple percent becaus...

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I'd give up my Boglehead's book and maybe two Rick Ferri's to play in a band with a woman who could sing like Adele. She's a one in a million performer, IMO.

Some of y'all are kRaZIe.

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1360.00

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...Thanks again to everyone who replied. I would welcome more information. I'm 52 and get Synvisc injections every 6 months trying to delay TKR until I'm 60 or so. I found this series of Youtubes fascinating - these are the lectures from a UC-Berkely graduate bio-engineering course on the design &a...

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Downright bass in 2 bands, electric guitar in another. I'm on bass in this one:

http://youtu.be/vYkP6nXu6Mk

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A number of years ago as I was preparing to retire at 46 my little sister emailed me link to an article on the potential for runaway healthcare costs in the future laying waste to retirement plans, and asked if I was frightened about a scenario like that. I replied saying that if things really went ...

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Costco's Kirkland Tee's for me, baby! They're long, medium weight, tagless, hold up well, and even come in gray and black for formal occasions.

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Nope, both times it was one of those "caught up in the moment" sort of things when my mind wasn't on finance.

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Houston101 wrote:Simba this is indeed a gem, thank you very much.

Will it be correct to assume that the gains are calculated without taking into account dividends?

No...the returns include dividends, and have fund ER's deducted.

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Has anyone found a complete listing of the funds PIMCO has lowered fees on? They're not exactly shouting from the rooftops...

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...And you are thinking "Countrywide, WaMu, IndyMac, Lehman Brothers, Bear Stearns, Fannie Mae, Freddie Mac, AIG, Merrill Lynch... WTF? When does it end? Is this, seriously, the Big One?" Right now, people are talking about the possibility of hyperinflation, currency collapse, you name it...

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I started playing 17-18 years ago as an adult. When I was working I found lessons kind of stressful...I was working 50-60 hr weeks and often was anxious as lesson day approached when I hadn't practiced enough. Eventually I concluded that I'd be happier learning on my own via books & cassette pac...

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