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Not from what I've seen in this thread. But, again, the owners of the forum are entitled to have whatever type of forum they'd like and they're under no obligation to accept suggestions from newer members. Everyone, regardless of their income or assets, has to spend with caution. There are just...

Exactly right. And there's also the aspect of providing a support group for a core group of old-time members. Nothing really wrong with having a retirement forum for people who are extremely frugal, but it would be a good idea just to say it in the description of the forum.

Well said, HFWR. I think you're exactly right. I really don't find it bothersome. It's just the same old joke you hear 10,000 times that eventually dries out. Dear Mr. Gumby, Will do.

You're right about that, FD. I've been an administrator of a busy politics forum for years, and I've seen all kinds of moderators come and go. In our forum and in most other decent forums on the Web, personal attacks are not allowed. A good team of moderators stops a thread from being...

Why would it be "ridiculous" to ask if there's an option to turn off or change the description in someone's profile? What is actually ridiculous is the lousy job the moderators of the forum have done in this thread, which is full of personal attacks and nastiness.

Funny that the only two people on my ignore list are responding to this thread. Usually means that I'm onto something. :)

Ummm... No thanks. Yep. Maybe the first 10,000 times it could be considered funny, but after several years of the same old "joke" day in, day out, I can imagine what the scent is like... :whistling: Maybe our admins could make it optional. Those who are entertained by it could keep it and...

Hello admins, I was looking through the User CP for an option to get rid of the reference to dryer sheets that appears under my username (recycles dryer sheets). I couldn't find an option to disable it. Is there such an option? If not, maybe the forum should consider eliminating that whole...

Very good stuff. Ben Stein is spot on. FWIW, in Door #1, Ben Stein is speaking of a good but modest retirement. I think that if you really do it right, you can add many luxuries to his scenario. On a related note, here's one of my favorite Ben Stein articles: Yahoo! Personal Finance...

Once again, MB turns out to be one of the lone voices of sanity. I have to laugh whenever politicians [Moderator Edit] refer to people making $250k (pre tax) as "Rich" and taxable in the same category as billionaires. Sure, making $250k might be legendary for a spinster living in a 150...

This is one of my favorite posts, MB.

Such as??

I recently participated in a similar discussion about VCADX in the Bogleheads forum: Bogleheads :: View topic - California Tax-Exempt Bonds - OK Core Holding?

That's exactly my situation as well. Problem is that after a while, cash starts building up in next-to-zero yield accounts, and it's very frustrating to see valuable time being wasted without moving closer to one's financial goals.

That's probably true, and I really have to salute anyone who can happily survive on 2% of their portfolio.

Interesting presentation. I really should pay more attention to my VG email. :) I'm curious, though, about slide #10 which says "No taxes—assumed to be paid from the $47,500." Why would there be an assumption of no taxes?

Exactly. And people in your income range (including me) are the ones who will be forced to foot the bill for the ever-expanding government. That's why it's much more likely that you'll be working for years to come to pay off government workers' pensions before being able to enjoy your own...

I hear what you're saying. Of course $4 mil is a good chunk of change for most retirees. Although, if you check the threads in this forum that discuss real return on portfolios, you'll see that the return is often somewhat less than 3% (sadly), and depending on your investments, the dividends...

Hi Hiredgun, I'm curious how someone who is upper middle class with a child can retire on just a few mil, considering how little income portfolios really yield these days. Work part-time in 5 years, probably. Retire - doubtful considering your relatively young age. But of course, who knows...

Wow... Incredibly useful info. Thanks so much to everyone who answered!

Thanks, DD. The CA munis are tax-free as I'm a resident of CA.

Ahhh... Perfect! Thanks, DD.

I'm sure that this has been discussed before, but as the economy changes, it's probably worth revisiting. For many of us, one of the main answers to the "How much money do I need to be able to retire" question is dependent on the annual percentage of return one's portfolio yields. Obviously, it...

Since retirement investing is long-term (generally), a year or two from the absolute peak or bottom of the market may not be such a big deal. Still, I'm trying to steer clear of debating the philosophy of passive vs. active portfolio management. Both have merit, depending on the investor's...

Thanks for the link. It's right on target. The VG analysis is complex in some ways, but the bottom line is that the expectation of rising interest rates is already built into the current NAV. Makes sense. Investing according to one's AA regardless of market conditions is a common strategy...