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The last two weeks have been horrendous. I've lost all my gains in REITs, International, Canada, and I'm only slightly ahead in US. How do people stick in the same investments after years of back and forth prices? I want to see everything go up, all at once, now. are you serious, or joking? I canno...

A quick glance at your posting history tells me that you need to stop looking at your balances and stop watching/reading/listening to anything related to the market, the economy, or investing. When I settled into my 3 fund portfolio I breathed easily and stopped worrying. You worried before putting ...

If you really really want a new car (and lots of people do, don't be ashamed) you could probably buy one - just not THAT one. You can get a brand spanking new Hyundai Elantra (the best looking car on the road right now in my opinion) for under $18k, and that's not even bare bones! Let's say you have...

Thanks for the responses. If precious metals and commodities are not favoured by Bogleheads, then perhaps I should rephrase my question as follows: ⋅  Are Bogleheads concerned about US debt and monetary policy (as preached by Schiff and Rogers, for example)? And if so, how would a Boglehe...

I thought it might be worth pointing out that if he maxes his 401(k) early (and stopped contributing) he'd miss out on the employer match for the remainder of the year. Valid concern, but this depends on details of the 401k plan. Some 401k plans also allow after-tax contributions, so the max is muc...

I thought it might be worth pointing out that if he maxes his 401(k) early (and stopped contributing) he'd miss out on the employer match for the remainder of the year. ETA I'm second guessing my math, but my second point is still valid . Not necessarily - it depends on the plan. Many employers do ...

I might not have enough seniority to be able to say this, and I absolutely don't mean this in a negative way, but I think you should stop listening to the noise.

I'd stop reading Forbes if I were you.

My dad has a sweet setup with two useful additions. 1) He made a bump-out for the grill. It allows the front of the grill to be flush with the railing of the deck. Like this (I found this on google image search for "grill bump out") http://cds.a9t2h4q7.hwcdn.net/main/store/20090519001/item...

We have cell phones and Ooma and it's great! We didn't used to have any home phone at all, but my husband started to work from home and needed a line for long conference calls and things like that.

We love it.

If you do decide to keep the money with this provider, you probably want the fund which is least expensive compared to the alternatives, and that would be MetroWest Total Return, at 0.62% which is 0.52% more than the comparable Vanguard option. If you do switch this to bonds, replace an equal amoun...

There is a savings account option. But the point of that money is to have it invested, not sitting in a savings account. No. The point of "that" money is no different from your other "money". Put it in the savings option, consider it an ultra safe, short-term bond or fixed-incom...

There is a savings account option. But the point of that money is to have it invested, not sitting in a savings account. And I don't want any more accounts to manage, even if I only transfer money once a year. I just want advice as to the best thing I can do with my current options.

Can I bump this and ask that we assume that I am *not* going to open a separate HSA account?

Just hoping to get some more responses.

Thanks!

Our HSA account with Health Equity is changing its investment options and I need to change where my money is. They suggest that I go to "SMGIX COLUMBIA CONTRARIAN CORE Z" with an ER of 0.95% from what I'm currently at, which is "VLCSX VANGUARD LARGE CAP INDEX SIGNAL" with an ER o...

If the store has a satisfaction guarantee and I'm not satisfied, I'll return it. We have bought and returned three different Roku/Google TV/CoStar/Viseo type products because none of them worked quite how we liked. It was impossible to know ahead of time how they would work with our satellite/intern...

I don't often agree with Calm Man (especially on the matter of health insurance :D ) but I also find myself wondering what the OP thought we might think he was showing off about... You're doing just fine for your age. I think you should make sure that you sell that company stock the absolute SECOND ...

Just wanted to add - I asked this very question, sort of in a retrograde way last year when my parents gave my wife and myself a sizeable gift for downpayment on our first house a few years ago, and I just wanted advice on where to park the money I was repaying them with (even though it was a flat ...

I know a great deal about the finances of my parents, but I don't have and wouldn't want the passwords to their accounts. All that information is in a meticulously organized compilation of documents that my father has set up for when/if the unthinkable happens. In a nutshell, as a previous poster sa...

Hmm, I always thought that a "lazy portfolio" indicated a three fund portfolio. 8 funds doesn't seem that lazy to me - it seems like a lot of work! Is there a reason you can't/won't use total US stock, or total international? You could still tilt to small cap if you wanted to. Also, 9% in ...

Remember, too, that at 19, it's unlikely that there will be many pensioned jobs when you're in your working years. The number of pensions these days (not to even discuss underfunded ones) are decreasing, and even jobs that are known to have pensions now may not have them in 10-20 years, or may be ph...

We are investing. You're speculating

You're not going to get a lot of support for stock picking on this board. Bogleheads are of the low cost/high savings/index fund/own the whole market/rational asset allocation/rebalance when necessary persuasion. I would stop investing in these companies. I would come up with an asset allocation tha...

Maybe I missed something, but does the Munchkin man not own a belt? Your wardrobe will increase greatly with the purchase of a handsome belt.

In the same way you probably treat a birthday card from your insurance agent different than you treat a card from a loved one, the source of money often drives how people feel about it. For many people inherited money is about legacy, tradition, and relationships. It is one thing if a beneficiary o...

What if you *gasp* DON'T get divorced? At what point should you then use the money to the benefit of the family as a whole? 1/4 of divorces are for those over 50 http://articles.chicagotribune.com/2013-02-27/news/ct-x-0227-divorce-after-50-20130227_1_divorce-rate-marital-estate-health-insurance Oka...

I'm with livesoft on this one. Ever since we got married everything has been "ours." All the money comes in, goes in one pot, and is distributed as necessary. There is no question. It doesn't matter who makes more. I applaud your sentiment, but with 50% of all marriages ending in divorce,...

In my mind, that money that your spouse inherited really isn't "her" money either. I think if you had continued to view it as your wife holding in trust for her mother, than maybe it wouldn't have irritated you so much. The money I inherited from my father when he died, I continue to view...

BFG, I think that your issue isn't about earning, it's about POTENTIAL. I see two different "out earning" scenarios: 1) Both he and she are employed to the best of his/her ability in a field that they enjoy. He or she is dedicated to his or her profession and is committed to his or her job...

A couple years ago after spring cleaning I took a few boxes of paper to a local shredder - you can watch them dump your boxes on the belt then see the paper get decimated by the monster shredder - Seemed very safe to me. I don't have any experience taking papers to Staples or the like to have them ...

Starting a couple of Backdoor Roths wouldn't hurt, either. As long as you can stay away from having pretax money in any IRAs, you can start doing backdoor Roths for you and your wife for every year going forward. Since you can put anything in it that you want, It'll give you space to put in whatever...

If you switch over to a three fund lazy portfolio you'll save yourself headaches AND tons of money, and you'll probably do better overall.

As it will be HER IRA it will have to be HER Vanguard account. You can link them after, but she needs to establish her account first. My husband and I can both see all out IRAs and taxable accounts from each other's log ins. The only thing we can't see are each other's 401k accounts, which I find an...

There are HIS Roths and there are HER Roths.

There are no OUR Roths.

What are you trying to do exactly?

I know this isn't really helping to answer the question -- but I kind of think that the question is unanswerable. It's so dependent on the personality and strengths and weaknesses of the child. It's foolish to treat children the same simply because they are children. They are individuals and must be...

We are very fortunate to be where we are right now. Both our families were able to send us to college debt free, and we then put ourselves through grad school as research assistants. But grad school did mean that he didn't start earning a real salary until he was 27 and I didn't until I was 29. As s...

Also, before you start investing in taxable, you should max out your 401(k). Why are you planning to put only 5% there? I'm putting 5 this year because I still want to have extra money to......buy a newer (not brand new) car in November. But in January I would bump it to my company's max which is 1...

As my investing plan falls into place and be comes automatic, I find myself in a strange position. I'm not sure how to set goals for myself. For 2012 we saved in investment accounts about $70k (maxed 2 401ks plus company matches, maxed 2 backdoor Roths, maxed an HSA account earmarked for retirement,...

Yes .

For those not aware of Confused's history, please don't pay much heed to his/her recommendations on health insurance. There have been a number of threads (although none recently) where he/she discusses his/her rather unique view on health care. It has been hashed and rehashed that he/she does not be...

I would absolutely do it. If it would wipe you out cash-wise, maybe not, but if you would still have 6-8 months of emergency fund I would absolutely do it.

Thanks for all your help! I filled out the 2011 form for my husband last night and dropped it in the mail this morning. I included a note saying what it was and that I wasn't including a new 1040. I'm hoping that it works out. At least I tried! How to fill out the form makes total sense on paper -- ...

Looking at the form specifically, I feel that I need to submit a 8606 for 2011 that fills in line 1 ($5,000), line 2 ($0), line 3 ($5,000), and then skips to line 14 ($5,000) because the Roth conversion was NOT made in 2012. This $5,000 basis will then be justified when I put it on the 8606 form thi...

I have question about the ever so popular Form 8606 that I'd like to sort out before I file this year because I'm afraid that I made an error paying my 2011 taxes. I think it's an easy fix -- assuming that I've read and understood the IRS's instructions about filling out that form. I'm wondering if ...

I would much rather freeze my credit and actually PREVENT fraud than simply be told about fraud after it has already happened and then be left to pick up the pieces...

Unfortunately, it seems that you didn't have a Roth IRA opened prior to 12/31/12, so you can't take advantage of 2012 contribution assuming you had sufficient "earned income" while a Senior in HS. Note that the actual contribution could be made by tax time (April). I mention this so that ...

So I'm a very basic level Boglehead -- I feel like I really nail the basics but the details escape me. See this thread for clarification: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=107392&p=1560248#p1560248 And this is my current portfolio: http://i45.tinypic.com/i1a8er.jpg Now I'm ...

Never. But that's because I don't really understand it so I feel like I should avoid doing anything. I have figured out the following things, no more, no less: 1) Asset allocation: should get more conservative as we get older 2) Three fund portfolio: simplicity and low cost 3) Rebalance: can still d...

Wait! Isn't the second "reader question" fron this link: http://www.longtermreturns.com/2013/02/cash-tips-retirement-and-rachel-fox.html word for word what was posted on a thread here recently? I KNOW that I just read that on bogleheads... Anyone else think it soudns familiar? This happen...

Wait! Isn't the second "reader question" fron this link: http://www.longtermreturns.com/2013/02/ ... l-fox.html

word for word what was posted on a thread here recently? I KNOW that I just read that on bogleheads...

Anyone else think it soudns familiar?

Now that I know more about finance, I'm even more in awe of what my dad accomplished when I was growing up. He raised a family of 4 in a very comfortable middle class lifestyle on what I realize now was at the very peak of his career $100k a year max. My mother worked until the second kid and after ...