Bogleheads.org

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Seecamp makes a finely built pocket .380- the Rolex of CCW imo but some will want a larger caliber. For them a Rohrbaugh 9mm might be a good choice. This PDF might help... https://docs.google.com/viewer?a=v&pid=explorer&chrome=true&srcid=0B22wLsyYEkTOMDU4MjJlNTktOTRlZi00NTJkLWE0MGMtZmEwN...

It's all relative. If you have only $1,000 in your account, then yes, $250 is excessive. But you seem to be saying that (a) you do not pay $4400 a year, but your company does, (b) you pay in addition 0.50% of AUM to use PCRA (c) you pay commissions, too. So your average e.r. really is not 0.11% if ...

It's all relative. If you have only $1,000 in your account, then yes, $250 is excessive. But you seem to be saying that (a) you do not pay $4400 a year, but your company does, (b) you pay in addition 0.50% of AUM to use PCRA (c) you pay commissions, too. So your average e.r. really is not 0.11% if ...

I recently moved my retirement funds into a Schwab PCRA I learned was available to me through our retirement fund. I was under the impression I would save some administration fees in addition to the ER savings using ETF's since all my money is self directed now. This is not the case however. I notic...

My son asked me this question out of the blue when he was 10: "mom, how did you choose your career?" I immediately recognized this was one of those big life questions and thought quickly and carefully. After a few seconds pause, I answered...."well, son, there were 3 factors that wen...

I believe most who are eligible on the board probably have one- mine is through HSA Bank. There's a good discussion on the wiki site.

It was foolish in hindsite but we love traveling and mountain biking so it's a perfect fit...

At 34 years of age, you have accumulated a significant amount of savings, specifically $394,500! Congratulations![b] Why on earth would you jeopardize your financial future to even consider medical school now? If you go the medical school (4 years) and spend $160000 for the privilege , you still ha...

I adjusted my suggestion in hopes that it helps. The cash remains where it is (my wife had the same response when I suggested a similar idea to her for our portfolio, so it didn't happen for us, either). You would make single, lump sum purchases of 3 International ETFS in the Schwab employer-sponso...

http://www.foxbusiness.com/personal-fin ... balancing/

I'm pretty green but I can't understand the logic at all...

Almost every brokerage has a no-transaction-fee list of mutual funds. That is probably what that refers to. However, it is my understanding that Vanguard is not on anybody's no-fee list (other than at Vanguard). TD Ameritrade has 32 ETFs from Vanguard commission-free. I saw that too when I moved my...

Do I need to keep track of each employer contribution separately (IE, 401k, Pension and Safe Harbor all in separete MM's) after the funds are transferred to my PRCA or does that matter? I was under the impression that all the funds are treated similarly. No idea, but I'll wager that if your employe...

Some thoughts to mull over: Desired Asset allocation: 60% stocks / 40% bonds Desired International allocation: 20% of stocks <--For simplicity, this is 23%, but only 15% of equity contributions would go here. Current total portfolio: Mid six-figures Taxable (14%) 14% Vanguard Total International St...

I am unable to move my retirement funds out of Schwab and I'd like to use the vanguard funds for simplicity. I think I can have access to the vanguard funds at schwab without transaction fees (I'll call Monday to find out). Sorry - I was scanning and missed the part about the PCRA. Nevertheless, th...

Do I need to keep track of each employer contribution separately (IE, 401k, Pension and Safe Harbor all in separete MM's) after the funds are transferred to my PRCA or does that matter? I was under the impression that all the funds are treated similarly. No idea, but I'll wager that if your employe...

I researched the Schwab funds and they look similar but either certain fees were higher or they werent rated as good, etc. If I can get the vanguard funds thru Schwab that's what I'm probably going to do. Question: if I can get the vanguard ETF's at $9/trade vs vanguard index funds at $50/trade but...

Question: if I can get the vanguard ETF's at $9/trade vs vanguard index funds at $50/trade but investor share ER's should I just go with the ETF's? Paying transaction fees pretty much flies in the face of low cost investing. You can get Vanguard mutual funds at Vanguard without any transaction fees...

I really have to think my questions through so I can get them all in with a single post... :oops: Anyway, I assume the 401k, Pension and Safe Harbor are technically separate accounts with separate amounts of contributions, but they all have access to Schwabs PRCA. If so, will you let us know roughl...

Cash as above plus collectables ~34% :confused I think Cash and collectibles should be in different piles. Also, collectibles may be a useful investment, but I think it goes beyond the scope of this forum. I don't even know how I'd begin to recommend allocation, contribution and rebalancing practic...

Debt: $275,000 in a 10 yr home mortgage at 3% (recent refi from 4.3% but rolled $115k of student loan debt in to be able to deduct that interest ). Some of it at least. It depends on how much your old mortgage was. Any secured debt you use to refinance home acquisition debt is treated as home acqui...

Your wife doesn't need to earn 5500 to contribute 5500 to an IRA. She can use your earnings. Assuming you file jointly. Thanks for reassurance on this- I got to thinking about that last night and re-read about this in the wiki and realized I still could max hers out because of mine. I'll correct my...

Welcome to forum, You don't want target fund in taxable http://www.bogleheads.org/wiki/Principles_of_Tax-Efficient_Fund_Placement Schwab has funds for index (3) fund portfolio " With Schwab, investors can construct a three-fund portfolio using: [footnotes 1] Schwab Total Stock Market Index (SW...

Hello all! Firstly a sincere thanks. I've been lurking for a while...(blah, blah, so on and so forth) and have learned so very much from all of you and I really appreciate it. A little background- I finished school and training in 2006 and up until now all I've been doing is reducing debt but I am b...