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can she withhold things like children from him to make him pay? For example, if you want to see your kids, pay up.

Re: Lawsuit Settlements. Like Scott Rothstein?

1) The TM balanced fund uses municipal bonds instead of fully taxable bonds [like VBINX, VWELX, etc.] 2) From the prospectus: Also, the TM balanced fund has never declared a capital gain, unlike VBINX which last declared capital gains in the 1990's through 2001.

Whenever people start touting actively managed funds, I say: Fine, since it's such a good strategy, if the actively managed fund doesn't do better than its index fund, then the person that recommended the managed fund should be willing to make up the difference, or make me whole. I smell an...

And people wonder why employees aren't "loyal.":coolsmiley: When CEO's set the example of "get what I can," companies shouldn't be surprised when employees act the same way.

IMO, the main reason that many companies have jettisoned the DB plan is that the companies were underpricing the cost of the DB plan. For example, a fairly risk free way to fund the DB plan was to invest the plan assets and contributions in bonds [nominal bonds b/c of the nominal annuities the...

On this product, check out Moshe Milevsky's analysis; What is a Guaranteed Rate Really Worth? btw - I think Greeney's suggestion of delaying SS is an excellent one.

Personally, I think the market is micro efficient, not necessarily macro efficient. I'm going with Samuelson on micro efficiency vs. macro efficiency. From his 1994 paper in the Journal of Portfolio Management, The Long Term Case for Equities: And how it can be oversold. Though, even in an...

If you've already had these thoughts, it's a good bet that a whole lot of other people have had these thoughts and probably acted on them, which has moved the prices of stocks. Remember, it doesn't matter what you know, it only matters what you know that others don't know.

harley, A CD ladder is a middle of the road approach to rising or falling CD rates. If CD rates rise, you get to partake b/c you've always got a CD maturing every year. If CD rates fall, you don't get taken to the cleaners b/c you've always got CDs earning the higher past rates for a while...

Wellcome to the club. My son has Aspergers and goes to OT, ST, and a behavioral psychologist. It has been really hard on DW and I - we're taking Lexapro [her] and Cellexa [me] and we're both seeing psychologists on our own. Things that really help us are exercise and time away from the kids...

Just a friendly warning/forewarning for anyone applying for a fed gov't job. The time b/w when you apply and actually start working may be several months to 2 years.

If you're talking about Mary Shapiro, she already made her money. She got a multi-million dollar payout when she left FINRA.

Then fixed income instruments like 1-5 yr CDs and deferred fixed annuities [usually with 5 yr rate guarantees] are not riskless for you. 20-30 year TIPS would be safer.

TIAA traditional account paid about 11% at its highest in the early 80's. See page 3.

On downside of TM is that when others are giving presentations [outside of TM], I start counting "ah's" "um's" and "so's". ;)

My son and I have Asperger's Syndrome. I am/was very introverted and would usually only speak to people if (1) I had to [for work, or (2) we were talking about a subject that was in my "favorite subjects" [as my wife likes to call them]. I joined a TM club at our work last year.. actually, my...

cashflo2u2, William Reichenstein, at Baylor, co-authored an article in the Spring 2008 edition of the Journal of Fixed Income titled "Returns-Based Style Analysis of High-Yield Bonds." Here's the abstract: It was discussed over at the Bogleheads forum in May. You should be able to get a...

FWIW, I did a little number crunching: Dividend yield of VWLEX's stocks: 4.35% [current yield] x 45.11% [qualified div ratio] / 62.21% [11/30 ratio of stocks] = 3.15% yield of VWLEX's bonds = 6.76% Dividend yield of VWINX's stocks = 4.93% yield of VWINX's bonds = 6.39% I think...

No one is saying that you have to be 100% TIPS. Just have enough TIPS to guarantee that you can still eat, heat your house, and whatever else you cannot live without. Those are the dollars I wouldn't be willing to invest in any risky asset, no matter the probability of higher returns. If my...

FD, Bodie's been saying to use TIPS to ensure a minimum standard of living in retirement since at least 2001. People were listening in 2001 + 2002, ignoring in 2003-2007, and are now paying attention again.

See also The Future of Life-Cycle Saving & Investing conference in 2006 at BU, which included two articles/papers by Bodie and Kotlikoff: The Theory of Life-Cycle Saving and Investing Rethinking Your Investment Risk

Not sure if this is really going to help you much, but see QDI - 2008 year to date estimates For 2007 the figures were roughly similar. - Alec

Dex, I think this 2001 working paper may help explain Bodie's position better: Retirement Investing: a new approach See also Life-Cycle Finance in Theory and in Practice I think a large problem with today's financial planners is that they're still using Markowitz's 1950's models [i.e...

Well, good luck with that. I only know of one person in the entire investment community that actually has a verifiable heart - John C. Bogle [heart transplant in 1990's]. Face it, for profit entities like hedge funds, brokers, and mutual funds are only in business to do one thing - make money...