Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
2008 Feb Issue of Money Magazine
Old 01-09-2008, 10:05 AM   #1
Confused about dryer sheets
 
Join Date: Jan 2008
Location: Castle Rock, CO
Posts: 2
2008 Feb Issue of Money Magazine

Hi: My name is Bob and this is my first entry. I am a 64 year old married male who is still working full time. I teach a retirement seminar at my current employer focused on covering the critical issues that people need to consider before they retire. I have broken my program into five sessions titled; Are You Ready, Social Security, Medicare, Finances and Leaving a Legacy. If you are interested, let me know and I will be happy to send you my powerpoint presentation. I am not selling anything nor do I recommend any specific company, product, person, etc.

I do have a personal question. In the 2008 Feb issue of Money magazine, they named 27 Vanguard mutual funds as part of Money's list of the best mutual funds you can buy. I have my money invested at Vanguard in a variety of their index funds, but was interested in anyone's opinion about why one might allocate their bond investments in Vanguard's Short-Term Bond Index Fund versus their Total Bond Market Index Fund.

Thanks, Bob.
__________________

__________________
rhschulz2000 is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 01-09-2008, 10:08 AM   #2
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
 
Join Date: Jun 2002
Location: Texas Hill Country
Posts: 42,090
Quote:
Originally Posted by rhschulz2000 View Post
Hi: My name is Bob and this is my first entry. I am a 64 year old married male who is still working full time. I teach a retirement seminar at my current employer focused on covering the critical issues that people need to consider before they retire.
Welcome to the forum Bob.

I hope you have a very good sense of humor because on an early retirement forum, your statement above may lead to some comments relating to "If you can't do it, teach it..."
__________________

__________________
Numbers is hard

When I hit 70, it hit back

Retired in 2005 at age 58, no pension
REWahoo is offline   Reply With Quote
Old 01-10-2008, 04:42 PM   #3
Recycles dryer sheets
 
Join Date: Oct 2007
Posts: 463
Short-term bonds in general have a lot lower volatility and slightly lower return than long-term bonds. Assuming you have them in your portfolio to dampen volatility, short-term bonds make more sense.
__________________
TickTock Rule Of Finance - heavily discount any promises of money/benefits to be paid to you in the future

"I've traded love for pennies, sold my soul for less" -Jim Croce, Age
TickTock is offline   Reply With Quote
Old 01-10-2008, 07:10 PM   #4
Moderator Emeritus
Nords's Avatar
 
Join Date: Dec 2002
Location: Oahu
Posts: 26,616
Quote:
Originally Posted by rhschulz2000 View Post
I have broken my program into five sessions titled; Are You Ready ...
If you are interested, let me know and I will be happy to send you my powerpoint presentation.
I am not selling anything nor do I recommend any specific company, product, person, etc.
I'm guessing your answer to your first session is "No"?

Welcome to the board, Bob, but while you may have a lot of cojones for posting this on a forum named "Early Retirement", you lack a certain cachet of credibility.

At least Bud Hebeler is retired. Otherwise you have to figure out why you're different/better than Scott Burns.
__________________
*
*

The book written on E-R.org, "The Military Guide to Financial Independence and Retirement", on sale now! For more info see "About Me" in my profile.
I don't spend much time here anymore, so please send me a PM. Thanks.
Nords is offline   Reply With Quote
Old 01-10-2008, 09:31 PM   #5
Moderator Emeritus
Rich_by_the_Bay's Avatar
 
Join Date: Feb 2006
Location: San Francisco
Posts: 8,827
Bob, welcome.

I think comparing Vgd short term to Vgd total bond is apples and oranges. The total bond market fund acts mostly like an intermediate index fund. For my money I like the intermediate bond index fun over the total fund, but both do what they're supposed to. I use short term bonds almost like near-cash.
__________________
Rich
San Francisco Area
ESR'd March 2010. FIRE'd January 2011.

As if you didn't know..If the above message contains medical content, it's NOT intended as advice, and may not be accurate, applicable or sufficient. Don't rely on it for any purpose. Consult your own doctor for all medical advice.
Rich_by_the_Bay is offline   Reply With Quote
Old 01-11-2008, 05:06 PM   #6
Thinks s/he gets paid by the post
Rambler's Avatar
 
Join Date: Jul 2007
Posts: 2,245
Welcome Bob
Are you in HR in your current employer? or did they pick you to do the seminar for another reason...i.e., you are already close to retirement, you volunteered, etc. Would be interested to know.

I teach a course at a university as a volunteer, not related to FIRE, but someday, after I'm FIREd myself, I would like to do something similar on retirement planning, only on a volunteer basis. I still have a while to go yet, but when I do it, I would probably would want to do it as an adult education seminar or course at the local JC. Those of us who take the time to educate ourselves, then actually do something about it will likely be OK in FIRE, but there are so many people out there who don't even think about it and don't have a clue...If I could just share some of the knowlege I have and help even just a few people, I think it would be stimulating and rewarding.
Thanks
R
__________________

__________________
Rambler is online now   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Teenager/Money Issue UPDATE TromboneAl Other topics 13 03-16-2007 03:15 PM
RVers--My Rig is featured in the Feb. FMC Magazine SteveR Other topics 16 03-02-2007 06:17 PM
fidelity magazine nov issue is out and there i am mathjak107 FIRE and Money 34 11-15-2006 06:16 PM
made it into money magazine mathjak107 FIRE and Money 44 02-20-2006 04:43 PM
MONEY magazine MRGALT2U FIRE and Money 12 07-29-2005 02:14 PM

 

 
All times are GMT -6. The time now is 04:42 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.