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Wade Pfau who posts over on Bogleheads has another article out about SWR. This one is a model predicting SWR's for a retiree based on market conditions at the time they retire rather than the historical 4%. Note this is not for the faint of heart (ie the model predicts 1.5% SWR fo 2008 retirees...

It's frightening how poorly prepared many are for retirement - at any age. 401(k)s grow, but savers are still worried Andrea Coombes' Ways and Means - MarketWatch DD

Updated tables with data through 2009 and interesting discussion on "adaptive" withdrawal rates for when times are good/bad. Portfolio Success Rates: Where to Draw the Line Discussion started over at bogleheads here: Bogleheads :: View topic - Trinity Study Authors update their results DD

Local News | Man accidentally shoots himself in testicles | Seattle Times Newspaper You don't have to die to eliminate yourself from the gene pool. Just shoot your testicles off instead....:nonono: DD

As alluded to by Steve O in another thread Vanguard has made some significant changes in its brokerage fees. Trading Vanguard ETFs are free and depending on your Vanguard status your stock and non-Vanguard ETF trades are $7 or $2 - after using up some free trades. Vanguard Pressroom This is a...

Our bank joined the growing list of failures: Business & Technology | American Marine becomes third state bank to close this year | Seattle Times Newspaper. This was not unexpected as they had been given several warnings over the last year and an ultimatum for the end of January. We are under...

A dead horse I know but some very good points to consider by some heavy hitters at Bogleheads. Bogleheads :: View topic - 4 percent SWR rate dead? My favourite so far: DD

NYT article about timing the bond market: http://www.nytimes.com/2009/07/12/business/mutfund/12bond.html?_r=1&pagewanted=2 DD

I know some posters here use this software. Apparently Microsoft will be abandoning it. Sales cease after June 2009, support after Jan 2011. Microsoft to close the till on Microsoft Money | All about Microsoft | ZDNet.com DD

The Boglehead WIKI has a new section designed to help people trying to get started with financial planning, retirement issues and investing the Boglehead way. The main page is here: Bogleheads Financial Start-Up Kit - Bogleheads For the old salts this will be of limited utility but it may be a...

It seems a VAT is becoming part of the discussion on how to solve the revenue/spending problem. Politics | National sales tax idea getting fresh look | Seattle Times Newspaper "Everybody who understands our long-term budget problems understands we're going to need a new source of revenue, and...

Report: SEC may charge Angelo Mozilo with fraud - Yahoo! Finance "The report said the charges include illegal insider trading and failing to disclose significant information to Countrywide shareholders." Now if only they could also hold him accountable for the outrageous lending practices CW...

401k funds limiting, how much, when and under what circumstances you can withdraw your money. 401(k)s Hit by Withdrawal Freezes - WSJ.com DD

I had been calculating health care costs to increase at about 5% in my retirement planning. According to the latest numbers by Fidelity that is too low... planadviser - IMHO: The Mean-ing Of Average For those with employer benefits if you have to cover premiums you still need a sizable amount...

An interview with Liz Ann Sonders on Tech Ticker. The interview is worth watching, some bullets below. DD

This was just published in the Journal of Financial Planning. They argue based on the spread between the trailing E/P and bond yields retirees in 2008 should live off equities. Yes counter to conventional wisdom. Makes no sense to me so hopefully smarter people then I can figure it out. When...

There is a blue light special for just about every asset class. Don't miss out... Joe Investor, the Markets Are All Yours - WSJ.com DD

Insurers losing money on their VUL portfolios need govt bail out $'s too! Bloomberg.com: Worldwide DD

Just ran my numbers and I have now officially passed 6 figures...in losses :o for the first time. I know. It won't be the last. No risk. No reward. DD

Recent poll over at the bogleheads site: Bogleheads :: View topic - [poll] When will (or did) you retire? The vast majority who have responded have retired or plan to retire before age 65. DD

Interesting interview with William Sharpe: http://www.stanford.edu/~wfsharpe/retecon/rotman.pdf He alludes to his work on alternatives to the "inefficient" 4% rule that can be found here: SSRN-Efficient Retirement Financial Strategies by William Sharpe, Jason Scott, John Watson Tough read...

Saw this linked at the Bogleheads site. Economic Principals » Blog Archive » A Longer Goodbye? DD

From Vanguard today: https://personal.vanguard.com/us/VanguardViewsArticlePublic?ArticleJSP=/freshness/News_and_Views/news_ALL_managedpayout_03252008_ALL.jsp&src=NMC&returnLink=/freshness/News_and_Views/news_ALL_managedpayout_03252008_ALL.jsp A new set of balanced funds designed for...

Well after a week of doom and gloom threads this was certainly a good week to be in the markets for those of us still accumulating, and those already retired! You all have a good weekend! DD

Hit a milestone of sorts. Initially thought that Vanguard had changed their interface but then realized that I had been upgraded to Voyager status having accumulated > $100k in assets at Vanguard. Wohoo :)! Unfortunately since I had stopped getting paper statements anyways there isn't much in...