Tag Archives: budgeting

Rent or buy? Things to consider

Over the weekend, my husband and I signed a contract to buy a new house. After months of indecision—and driving our realtor crazy—we finally committed. (Now, if we could just decide on the color of the knobs for the bathroom … Read more

I’ve loved you for years … now let’s talk money (again)

We received a strong response to my post “I love you…now let’s talk money,” which primarily focused on newer couples approaching the topic of shared finances for the first time. I was struck by the number of candid comments from … Read more

I love you … now let’s talk money

In a recent Wall Street Journal article titled “Financial mistakes newlyweds make,”* the author and several financial advisors urge couples to have the “money talk” before walking down the aisle.

The article provides several practical tips for opening the dialogue … Read more

It’s never too early

We recently asked college students for their thoughts about retirement—when they want to retire, when they’ll start saving, and what they hope to do once they’re retired. Here’s what they told us.… Read more

A tactical approach to retirement (part 2)

In my January 25 post, I looked at two tactical retirement issues: improving savings rates and evaluating portfolio risk levels. In this post, I’ll wrap up with three additional ideas.… Read more

How to make a tax refund really pay off

Do you have a tax refund coming? Some would say it means you over-withheld and should have paid less last year. Others look at it as a non-interest-bearing savings account. I’d look at it as an opportunity to improve your … Read more

“Fin Lit” 101

What do inner-city families trying to save $500 for emergencies have in common with trust-fund heirs? Their common interest, it turns out, is financial literacy.… Read more

Don’t fool yourself about volatility

My wife and kids are off visiting our relatives in Tokyo, and so I’m at home alone for the next couple weeks, reliving my bachelor days for a little while. Plenty of cold pizza for breakfast!

In place of the … Read more

Questioning a financial rule of thumb

The idea that you should have a cash reserve equal to three to six months of your living expenses would almost certainly make any “Ten Commandments” list for personal finance.

It might also be one of the least obeyed commandments, … Read more

Generation D (for debt)

Graduation season is upon us. Many of us have children, grandchildren, or acquaintances sailing out of school … and hitting pretty rough seas in the job market.

I had planned to speak to my sons about investing once they graduate. … Read more

Visit vanguard.com or contact your broker to obtain a Vanguard ETF or fund prospectus which contains investment objectives, risks, charges, expenses, and other information; read and consider carefully before investing.

Vanguard ETF Shares are not redeemable with the issuing Fund other than in Creation Unit aggregations. Instead, investors must buy or sell Vanguard ETF Shares in the secondary market with the assistance of a stockbroker. In doing so, the investor may incur brokerage commissions and may pay more than net asset value when buying and receive less than net asset value when selling.

Investments in bond funds are subject to interest rate, credit, and inflation risk.

Diversification does not ensure a profit or protect against a loss in a declining market.

Foreign investing involves additional risks including currency fluctuations and political uncertainty.

Stocks of companies in emerging markets are generally more risky than stocks of companies in developed countries.

An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in such a fund.

All investing is subject to risk, including possible loss of principal.

Vanguard Marketing Corporation, Distributor

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