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ourbrooks
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Broken links to bob90245's web site

Post by ourbrooks » Wed Mar 31, 2010 7:05 pm

In the article in the Wiki on Safe Withdrawal Rates, there's a section called Links/Further Study that has links to bob90245's web site. That site has moved and is now www.bobsfinancialwebsite.com

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bob90245
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Post by bob90245 » Wed Mar 31, 2010 7:46 pm

Thanks for heads up. Here is the url to the wiki page referred to above:

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

And these are the new links:

Withdrawal Strategies: Articles and More

Variable Withdrawals in Retirement
Ignore the market noise. Keep to your rebalancing schedule whether that is semi-annual, annual or trigger bands.

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LadyGeek
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Post by LadyGeek » Wed Mar 31, 2010 8:11 pm

Thanks for the heads up. The wiki page has been updated with the new links.

Please see Safe Withdrawal Rates on the Bogleheads Wiki.
To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.

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bob90245
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Post by bob90245 » Wed Mar 31, 2010 8:27 pm

I found another broken link on that same Wiki page (in the "Trinity Study" section). This is the new link:

Retirement Savings: Choosing a Withdrawal Rate That Is Sustainable
Ignore the market noise. Keep to your rebalancing schedule whether that is semi-annual, annual or trigger bands.

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LadyGeek
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Post by LadyGeek » Wed Mar 31, 2010 8:50 pm

Another fix completed. No problem.

Please see Safe Withdrawal Rates on the Bogleheads Wiki.
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bob90245
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Post by bob90245 » Wed Mar 31, 2010 9:28 pm

LadyGeek wrote:Another fix completed. No problem.

Please see Safe Withdrawal Rates on the Bogleheads Wiki.

I didn't realize it, but that Trinity paper appears twice. The fix was applied to the link at the bottom of the page. But the link at the top of the page still points to the old (broken) url.
Ignore the market noise. Keep to your rebalancing schedule whether that is semi-annual, annual or trigger bands.

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LadyGeek
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Post by LadyGeek » Wed Mar 31, 2010 9:38 pm

I was wondering why you said it was in the Trinity study- I was looking in wrong section. Fixed again. Post if you find any more.

Please see Safe Withdrawal Rates on the Bogleheads Wiki.
To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.

roblpm
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uk page

Post by roblpm » Fri Apr 02, 2010 4:22 pm

hi

I think the vanguard funds are available in the uk now.

available through alliance trust trading, isa and sipp platforms.

cheers

rob

ourbrooks
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Yet another dead link to Bob's web site

Post by ourbrooks » Sat Apr 03, 2010 10:54 am

http://www.bogleheads.org/wiki/Immediat ... ity_-_SPIA
has links to the old location. What probably ought to happen is for someone with excess to the web server to run a "Find in Files" search over all of the pages. If this isn't possible, may I suggest doing a ViewSource command, available in most browsers, and then search for bobsfiles.home.att.net. That way, at least all of the links on one page will get found.

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bob90245
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Post by bob90245 » Sat Apr 03, 2010 11:17 am

Gave me an idea to use Google:

http://www.google.com/search?hl=en&safe ... =&gs_rfai=

Here is another Wiki page that to points to several dead urls at bobsfiles:

http://www.bogleheads.org/wiki/Immediat ... ity_-_SPIA
Ignore the market noise. Keep to your rebalancing schedule whether that is semi-annual, annual or trigger bands.

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Barry Barnitz
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Post by Barry Barnitz » Sat Apr 03, 2010 12:54 pm

bob90245 wrote:Gave me an idea to use Google:

http://www.google.com/search?hl=en&safe ... =&gs_rfai=

Here is another Wiki page that to points to several dead urls at bobsfiles:

http://www.bogleheads.org/wiki/Immediat ... ity_-_SPIA


Thanks for the notice. I have updated the links. Please see Immediate Variable Annuity - SPIA and Immediate Fixed Annuity - SPIA on the Bogleheads Wiki.

regards,
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bob90245
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Post by bob90245 » Sat Apr 03, 2010 3:36 pm

Ignore the market noise. Keep to your rebalancing schedule whether that is semi-annual, annual or trigger bands.

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LadyGeek
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Post by LadyGeek » Sat Apr 03, 2010 3:51 pm

Good idea about Google. I made the updates, but you'll have to wait until the search bots find the changes.

You can get the text below by copying the How to Cite box at the bottom of every page (easy to swipe with mouse):

Please see Immediate Variable Annuity - SPIA on the Bogleheads Wiki.

Please see Immediate Fixed Annuity - SPIA on the Bogleheads Wiki.
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Penguin
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Disclaimers

Post by Penguin » Thu Apr 08, 2010 8:45 pm

The reference to TIAA about disclaiming inheritance has changed. I think it is now:
http://www.tiaa-cref.org/public/advice- ... index.html
Jon

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Post by LadyGeek » Thu Apr 08, 2010 8:56 pm

Thanks! Was this the page you were referring to? I updated the link.

Please see Inheriting an IRA on the Bogleheads Wiki.
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idahospud
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Post by idahospud » Mon Apr 12, 2010 9:43 am

In the Slice and Dice International section this is part of the second line under Taxes:

Vanguard Total International Stock Index Fund does not fully qualify for the foreign tax credit, whereas the separate Europe, Pacific and EM funds do.

Since this fund now is totally invested in individual stocks and no longer any portion of it is a 'fund of funds' I believe the 'not fully qualify' portion of the previous paragraph is incorrect.

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Barry Barnitz
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Post by Barry Barnitz » Mon Apr 12, 2010 10:13 am

idahospud wrote:In the Slice and Dice International section this is part of the second line under Taxes:

Vanguard Total International Stock Index Fund does not fully qualify for the foreign tax credit, whereas the separate Europe, Pacific and EM funds do.

Since this fund now is totally invested in individual stocks and no longer any portion of it is a 'fund of funds' I believe the 'not fully qualify' portion of the previous paragraph is incorrect.


Thanks! We have corrected the error. Please see Slice and Dice International on the Bogleheads Wiki.

regards,
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LesMoss
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Percentages_of_REITs_Present_in_Vanguard_Index_Funds

Post by LesMoss » Sat Apr 17, 2010 6:02 pm

The data in this page:

http://www.bogleheads.org/wiki/Percenta ... ndex_Funds

Is over a year old. It should be updated.

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OnTheFly
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Lazy Portfolios update

Post by OnTheFly » Sun Apr 25, 2010 9:55 am

Hi,

New to Wiki and Bogleheads. So I'm not sure if this is they way to suggest a Wiki update.

Didn't see a reference to Scott Burn's Couch Potato "lazy style" portfolios. It is another excellent source of info using mostly Vanguard funds.

http://assetbuilder.com/couch_potato/evolution_of_the_couch_potato.aspx

http://assetbuilder.com/couch_potato/couch_potato_cookbook.aspx

and results:

http://assetbuilder.com/couch_potato/couch_potato_results.aspx

Cheers,

Rob

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CyberBob
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Re: Lazy Portfolios update

Post by CyberBob » Sun Apr 25, 2010 10:43 am

OnTheFly wrote:New to Wiki and Bogleheads. So I'm not sure if this is they way to suggest a Wiki update.

Thread titles such as "Suggestions for the wiki" may be a bit misleading in that it implies that wiki edits need some sort of approval or require some special process to be added to the wiki.
Actually, the best way to add something to the wiki, if you're willing, is to simply do it whenever you see the need. Wikis are a collaborative effort and are created and improved by the collective knowledge of every contributor. Wikis greatly benefit by having more and more people edit it and create content, so please, feel free to improve or add anything you like to the wiki. It's our wiki, all of us, and wiki's are better when there is maximum participation, not just a select few contributors. Please, edit away! :D

Bob

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LadyGeek
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Post by LadyGeek » Sun Apr 25, 2010 12:37 pm

OnTheFly wrote:Didn't see a reference to Scott Burn's Couch Potato "lazy style" portfolios.
Welcome to the forum and thanks for the suggestions! As CyberBob pointed out, the wiki's content is due solely to the member's contributions.

I looked at your links and saw that the "Margaritaville" portfolio title was incorrect. Since that needed to be fixed, I added the links and updated the reference layout.

If you would like to contribute additional ideas, please consider becoming a wiki editor. There are links at the bottom of every page on how to join. If not, your suggestions are appreciated.

Please see Lazy Portfolios on the Bogleheads Wiki.

LesMoss wrote:The data in this page:

http://www.bogleheads.org/wiki/Percenta ... ndex_Funds

Is over a year old. It should be updated.
I did see your suggestion, but I'm not sure how to extract the data (not my background, for someone else).
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bobbd
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KEY BENCHMARK STATISTICS

Post by bobbd » Sun May 02, 2010 5:23 pm

As of March 31, 2010 vanguard shows U.S. Market 81.40% S&P 500-18.60 Wilshire 4500. Bobbd

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LadyGeek
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Re: Percentages_of_REITs_Present_in_Vanguard_Index_Funds

Post by LadyGeek » Mon May 03, 2010 7:14 pm

LesMoss wrote:The data in this page:

http://www.bogleheads.org/wiki/Percenta ... ndex_Funds

Is over a year old. It should be updated.
The data has been updated. You'll find information on how the table was created, as well as how to search the EDGAR database. The table is available for download (Excel 2007).

Please see Percentages of REITs Present in Vanguard Index Funds on the Bogleheads Wiki.

Comments / corrections / suggestions are welcome.
To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.

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beoba
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Dead link in Target_Date_Retirement_Funds

Post by beoba » Sun May 09, 2010 12:00 pm

The article link to "Popping The Hood: An Analysis of Major Target Fund Families" in Target_Date_Retirement_Funds appears to have died. The domain is now squatted.

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runthetrails
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Post by runthetrails » Mon May 10, 2010 9:16 pm

Bad link (duplicate protocol) to Vanguard Brokerage Account immediately under the heading How to convert mutual funds to ETFs at Vanguard
at http://www.bogleheads.org/wiki/Exchange_Traded_Funds#How_to_convert_mutual_funds_to_ETFs_at_Vanguard

Thank you wiki admins for all your work maintaining this fantastic resource.

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LadyGeek
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Post by LadyGeek » Mon May 10, 2010 10:11 pm

Thanks, it's fixed.

Please see Exchange Traded Funds on the Bogleheads Wiki.
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TedSwippet
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Post by TedSwippet » Fri Jun 04, 2010 4:07 am

A few observations on the page at

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

The options listed under "UK Stock Indexes" could be expanded/reworked since some improved options are now available.

Vanguard markets several index funds to UK investors on favourable terms (that is, no ridiculous minimum), and with Vanguard's trademark low costs. The primary drawback is that they're primarily sold through financial advisers, making them hard to access, though one exception is the Alliance Trust broker fund supermarket. Other drawbacks -- there's a "stamp duty" purchase fee for the funds that track the UK (though low charges should recover this in five years or so), and the funds are new and may not yet be registered for UK distributor status.

https://www.vanguard.co.uk/public/portal/uk/uk-en/home/Funds/Costs_and_charges.jsp

HSBC have reduced the charges on their index fund range to compete, making them currently one of the best bets. There are no purchase fees for any funds, and all have UK distributor status. More appealingly, they're widely available on most, if not all, UK broker fund supermarkets, making them extremely easy to invest in, both inside and outside ISA/SIPP wrappers.

http://www.assetmanagement.hsbc.com/uk/press/2009/jan-jun/index_tracker.html

iShares IWRD has the disadvantage, for UK investors, of being USD denominated, and so tending to spin off dividends in USD, not always convenient. It also has a UK component, so overlaps any other UK index funds held. IWXU (world ex-UK, also USD denominated, I believe) might be worth an additional mention as an alternative, though it looks thinly traded at the moment.

http://uk.ishares.com/en/rc/funds/IWRD
http://uk.ishares.com/en/rc/funds/IWXU

Replacing IWRD or IWXU with a combination of low-cost funds coving major world indexes, such as those mentioned above, leads to lower charges even than these ETFs, perhaps even getting close to halving the cost. It also sidesteps potential ETF wrinkles -- broker fee issues that might be problematic for DCA-ers, liquidity, spreads.

A mix of 59% US, 22% EU ex-UK, 10% Japan, 9% Far East ex-Japan, all HSBC at 0.25%-0.37% TER, approximates IWXU which has a 0.5% AMC. The primary missing bits from this approximation are Canada, Australia and New-Zealand.

Finally, on bonds...

...nothing. The situation remains dire, with iShares IGLT and INXG head and shoulders above every UK gilt fund. iShares SLXX is probably the preferred corporate bond vehicle.

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Post by hudson » Mon Jun 07, 2010 6:44 pm

RE: http://www.bogleheads.org/wiki/Pentagon ... edit_Union

The reward for the reward card has dropped from 1.25% to 1%.

https://www.penfed.org/productsAndRates ... dCards.asp

Thanks!

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LadyGeek
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Post by LadyGeek » Mon Jun 07, 2010 8:40 pm

Thanks for the update!

Please see Pentagon Federal Credit Union on the Bogleheads Wiki.

Hint: The sentence above was created by copy-n-paste of text in the gray box that's at the bottom of every page (How to Cite). It's an easy way to get a clearly readable link to the wiki.
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Taylor Larimore
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WIKI edit needed

Post by Taylor Larimore » Mon Jun 07, 2010 9:12 pm

Hi:

Would someone be kind enough to replace the Amazon link for Mr. Bogle's "Enough" book in our Collection of Investment Gems.

http://www.bogleheads.org/wiki/Taylor_Larimore%27s_Investment_Gems

This is the correct Amazon link to his recent updated version of "Enough":

http://www.amazon.com/Enough-True-Measures-Money-Business/dp/0470524235/ref=sr_1_1?ie=UTF8&s=books&qid=1275962832&sr=8-1

Thank you.
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Barry Barnitz
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Re: WIKI edit needed

Post by Barry Barnitz » Tue Jun 08, 2010 2:45 am

Taylor Larimore wrote:Hi:

Would someone be kind enough to replace the Amazon link for Mr. Bogle's "Enough" book in our Collection of Investment Gems.

http://www.bogleheads.org/wiki/Taylor_Larimore%27s_Investment_Gems

This is the correct Amazon link to his recent updated version of "Enough":

http://www.amazon.com/Enough-True-Measures-Money-Business/dp/0470524235/ref=sr_1_1?ie=UTF8&s=books&qid=1275962832&sr=8-1

Thank you.


Thanks Taylor,

I have updated the link. Please see Taylor Larimore's Investment Gems on the Bogleheads Wiki.

regards,
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hudson
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Post by hudson » Tue Jun 08, 2010 7:16 pm

Thanks LadyGeek!

"Rebate Credit Card
PenFed offers a competitive Visa Platinum Cash Rewards credit card which gives 5% rebate for gas paid at the pump, 2% rebate for supermarket purchases, and 1.00% for everything else. Rebate is automatically credited to statement every month. "

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Post by Penguin » Thu Jul 08, 2010 3:03 pm

I suggest that the section:

Affiliate Links

Any purchases made at Amazon.com will result in a small referral fee for us. It does not cost you anything extra.



should include the link immediately so the reader can access it easily.
Jon

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LadyGeek
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Post by LadyGeek » Thu Jul 08, 2010 8:36 pm

Sounds good to me. Changes made. View the "Recent changes" on the left sidebar menu to see what we did.

I also corrected the left sidebar menu to show "Support this site" instead of "Make a Donation".

Thanks!
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foglifter
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Orders page

Post by foglifter » Mon Jul 19, 2010 6:55 pm

I think it would be nice to include a few words about trailing stop orders on the Orders page.

Thanks

Penguin
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Post by Penguin » Sun Aug 15, 2010 8:38 pm

In the WIKI on Roth IRA

Conversion to Roth IRA

Conversions from a Traditional IRA to a Roth IRA require one to pay the tax due (without penalty tax) on any previously untaxed Traditional IRA assets converted. For an analysis of the potential benefits of a conversion, see Roth IRA conversion. In general, conversions work best when one is in a low tax bracket and when the source of funds for paying the tax are available outside of the IRA. If the tax is paid out of the converted assets, the payment is considered an early distribution and is subject to both income tax, and if one is under age 59 1/2, a 10 percent penalty tax.[4]
You can convert a Traditional IRA to a Roth IRA if:
your Modified AGI (see above) does not exceed $100,000, and
you are not married filing separately.
The Modified AGI limit does not apply in 2010. Also, taxes on funds converted in 2010 can be paid over two years, 2011 and 2012 [needs a reference].

The reference is IRS pub 590 p 63 (2009)

New rules for conversions and rollovers from IRAs and employer plans to Roth IRAs. For tax years starting in 2010, the $100,000 modified AGI limit for conversions and rollovers to Roth IRAs is eliminated and married taxpayers filing a separate return can now convert and roll over amounts to a Roth IRA. For any conversions or rollovers in 2010, any amounts that are required to be included in income are included in income in equal amounts in 2011 and 2012. If you elect otherwise, you can choose to include the entire amount in income in 2010.

Note that the $100,000 modified AGI limit will be gone in years subsequent to 2010. Also for 2010 only you may choose to pay taxes on conversion either all in 2010 or in equal amounts in 2011 and 2012.
Jon

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LadyGeek
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Post by LadyGeek » Mon Aug 16, 2010 8:47 pm

Thanks for the suggestion. I modified your wording slightly to fit the format. Please post back if you have any comments or corrections.

Please see Roth IRA on the Bogleheads Wiki.

(Barry Barnitz added the reference. This is a group effort.)

Update: The first part of your request (add reference to Modified AGI limit) was duplicated in the added section, so I removed this sentence.
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add Frank Armstrong to the Financial Professionals list

Post by blacktupelo » Sun Oct 10, 2010 11:32 am

On the Wiki page listing financial professionals I think Frank Armstrong should be added, with a link to his website: http://www.investorsolutions.com/ . Frank's Morningstar writing is what got me hooked on Bogleheads and passive investing and his firm continues that approach today for individuals and groups.

Larry Nolan
Larry

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Taylor Larimore
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Frank Armstrong

Post by Taylor Larimore » Sun Oct 10, 2010 11:39 am

I agree with Larry.

Disclosure: Frank is a Miami neighbor, friend and taught me much of what I know about Boglehead investing.
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Barry Barnitz
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Armstrong link:

Post by Barry Barnitz » Sun Oct 10, 2010 1:05 pm

Hi Larry & Taylor:

Done. Please see Financial Websites and Blogs on the Bogleheads Wiki.

Thanks,
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retiredjg
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Re: Armstrong link:

Post by retiredjg » Sun Oct 10, 2010 1:12 pm

Barry Barnitz wrote:Hi Larry & Taylor:

Done. Please see Financial Websites and Blogs on the Bogleheads Wiki.

Thanks,

There seems to be a little opps. The link brings you to this thread, not Armstrong's website.

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LadyGeek
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Post by LadyGeek » Sun Oct 10, 2010 1:15 pm

Oops corrected.

Please see Financial Websites and Blogs on the Bogleheads Wiki.

BTW, scroll down to the Investing Education section. You'll see Paul Keck's book (pkcrafter), which was mentioned in Alex Frakt's thread.
To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.

Deepanshu
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Post by Deepanshu » Mon Oct 11, 2010 8:20 am

Hi David,

Thank you for your suggestion!

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Post by retiredjg » Mon Oct 11, 2010 9:24 am

Spam, perhaps?

MikeA01730
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Special Cases

Post by MikeA01730 » Tue Nov 02, 2010 2:39 pm

All,

I believe that there are two cases in which the information at http://www.bogleheads.org/wiki/Principl ... _Placement might not properly reflect the true trade-offs:

1) If funds are to be removed from an IRA holding high-yield or high-appreciation stocks a short time after they're added, the effect of converting capital gains and dividends (taxed at a relatively low rate in a taxable account) to regular income (taxed at a higher rate when withdrawn from an IRA) may overwhelm the benefit of tax-deferred growth.

2) Right now interest rates on bonds are extremely low. That reduces the benefit of holding bonds in an IRA, because the amount of income that gets the better tax treatment is very small.

I think it would be helpful if the benefit trade-offs caused by these effects was addressed in the topic.

Regards,
Mike

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Re: Special Cases

Post by grabiner » Tue Nov 02, 2010 6:33 pm

MikeA01730 wrote:1) If funds are to be removed from an IRA holding high-yield or high-appreciation stocks a short time after they're added, the effect of converting capital gains and dividends (taxed at a relatively low rate in a taxable account) to regular income (taxed at a higher rate when withdrawn from an IRA) may overwhelm the benefit of tax-deferred growth.


This is correct for a non-deductible IRA, but for a deductible IRA, you pay tax on the entire balance. If you are in a 25% tax bracket, then $4000 in an IRA is only worth $3000 if you withdraw it (and only cost $3000 to put in). If the stock market rises by 10%, the $4000 becomes $4400, and the $3000 after tax becomes $3300, so you got the full 10% gain, just as if you had $3000 in a Roth IRA.

2) Right now interest rates on bonds are extremely low. That reduces the benefit of holding bonds in an IRA, because the amount of income that gets the better tax treatment is very small.


This is correct for now, but the decision has to be made for the long term. Once you have decided to hold stocks in your taxable account, you cannot easily change to holding bonds there as interest rates change, because you will already have capital gains on your stocks.
David Grabiner

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Post by Penguin » Thu Nov 04, 2010 1:06 pm

The link Crash Course in Wills & Trusts in Estate Planning seems to be dead.
Jon

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Post by LadyGeek » Thu Nov 04, 2010 4:03 pm

Thanks. It looks like the domain was lost, as a link farm took over the site (domain for sale...).

I did a quick google search and can't find anything equivalent. If you have an alternate suggestion, please post.

I made a note that the link is broken. I'll give it a few days to see if it's gone for good.

Please see Estate Planning on the Bogleheads Wiki.
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Post by dratkinson » Tue May 24, 2011 12:24 am

On the Wiki I bond page: http://www.bogleheads.org/wiki/I_Savings_Bonds

The table: I Bond Interest Rate Cycles

The column headings: Month of Issue, Dates of Earnings Rate Change*

make me think that it would be helpful to add an asterisk to the rows:

May*
November*

This would be in keeping with the verbiage above (inflation rate definition) and below the table.

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LadyGeek
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Post by LadyGeek » Tue May 24, 2011 3:52 pm

Maybe I have a different perspective, as I don't quite see it that way. The rates are announced in May and November, but not applied until the date shown in the table.

I reworded the column heading to match the table as shown at the bottom of: I Savings Bonds Rates & Terms

Wiki article link: I Savings Bonds

Does this help?
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