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Mortgage rates are at all time lows, no news there. I have 100% equity in my house and can easily get 250k out without much effort at 3.99 10 years no closing costs. Obviously, if I beat a return of 3.99 I did ok. The mental "return" of knowing my house is paid for is worth quite a bit to me...

Can someone tell me why many people seem to think that the NAV of Vanguard's High yield corporate is destined to continue declining. Obviously, it is correlated closely with stocks and I understand that. The default rate for vheax was 0% for all of 2010 (source: vanguard). The dividend is...

In an earlier thread, there was a discussion of whether Ally can change their early withdrawal penalty on CDs for EXISTING cd account holders. I currently hold 340k in CD's at ally, one of the reasons for holding some money there is because they have the most generous 5 year cd given the short...

I am interested in purchasing I bonds. I was briefly on the treasury direct site. I understand you can purchase 5k (why???) in electronic and 5k in paper each for husband and wife. Is there a way to purchase more (we don't have kids). Thanks. I had read something about setting up an...

Can anyone join apple FCU?

Just wondering if anyone has ever used this site and whether or not they have ever purchased muni's cd's etc from them. Is it reputable?

They have attractive rates 3.65 5y cd. Anyone a member?

I have some of my stash going to cd's. I have heard it might be better to just go long (5 years) and break the cd with the resultant penalty instead of laddering. I have been looking at this approach. My problem is I think it would be tempting to get out as soon as I see a substantial rate...

Where do you guys recommend to get the highest cd rates?

:blush:Ok, I am probably about to get thrown off of this board. Oh, just about 1 week ago I posted my crazy (yah...I think that was the consensus) plan to "reach for yield" with "all junk portfolio". I was appropriately awoken to the fact that I could expect steadily declining net asset values...

oh baby, am I glad I go out on Jan 20 at the top! :coolsmiley: S&P is off 9.25% since that time. Something was a sayin to me...this market is going to unravel. I am 100% in short term bonds and that is where I am staying, no high yield, no stocks, period. Thank god I decided against the high...

Hello, I introduced myself a while back. I posted this on the boggleheads forum but did not really recieve much in the way of meaningful feedback. :whistling: Here is my plan: (like you couldn't tell from the title of the post?) I am married with no children. My marriage is excellent and...

I invest only at vanguard and have no intention of going anywhere else for any portion of my portfolio (why?- who can do it better?). I am new to the community here and would like to retire at 50. I am 43 and have managed to try to LBYM. I have saved about 900k for retirement. I am a self...

I just found this forum searching around the net for retirement info. I am married, 43, no kids. I am trying to figure out if I am on track to retire in 7 years at age 50. I am a daily market/portfolio watcher but I do not react violently to market ups and downs. I am about 55/45 stock bond...