Bogleheads.org

That seems all very sensible, but also seems like it takes the romance out of it, which, if there is a point, strikes me as the only point. I don't think I explained that the reason I had the "placeholder" was so that I could still surprise my wife and embarass both of us with the proposa...

I had to look up what mvno means but that looks useful.

and yes, AT&T has it right in their terms of service that they can stick you with a data plan.

hmm, the obvious prepaids I see don't seem include a lot of talk minutes, which my mother in law could actually use. This is frustrating.

I googled around on trying to spoof my phone so AT&T coudn't detect it, and it looks difficult and shady, maybe even illegal.

Took my wife to the ER a while back, she had x-rays, a cat scan, and an overnight stay.

The gross bill from the hospital was $20,000.

She didn't have an HDHP though, so i don't know what the insurance-negotiated price would be.

if you don't even have kids yet, sure go aggressive.

You might want, say 10% bonds if you want to semi-actively rebalance within account to hope for a rebalancing performance bonus, but since 529's limit transactions... probably not.

Hi, my scenario is very similar to this topic but slightly different: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=115531 We're in a AT&T family talk plan that I'm in charge off spread across several of my inlaws. We've got two data plan users, and three dumb phone users. for the dum...

I only read the first page, but I don't think bogleheads is the right place to go for "typical" advice, not nearly :beer Here's what I did a couple of years ago, and it worked out great, for us , even though I basically did everything wrong. It was partly due to getting too hopelessly flus...

The bank will give you and the IRS a 1099-SA saying how much you withdrew from your account. ($3000)

At tax time, you will need to tell the IRS how much of that was spent on medical expenses ($3000).

aren't capital gains on a primary residence sort of a non issue?

so maybe just keep the receipts that matter for purposes of warranty, etc.

16 but several share class overlaps, and a few cases of "near fits" becuase my 401k has something similar to a vanguard index I like.

and a few random stocks in relatively small holdings.

It seem like you have money squirreled away in lots of places. In addition to other funds listed, you may have a "car fund" and a "home repair fund". This can also increase the hand-to-mouth feeling, along with what everyone else mentioned. Some folks just say to heck with it and...

have youa ctually been charged the 8.95? i would guess that the NTF mutual funds would still be NTF.

It seemed that putting the [Physician] would be helpful in drawing the right experts to help new members. If it's not helpful, I'll stop inserting [Physician] in the title. My personal opinion is that it's not usually necessary. If someone's saying "Hey, check out my AA", hopefully they'l...

I am fairly dependent on Quicken. (former MS Money user). I also loathe Quicken. I have a data file that has some data base 5 years and some data back 14 years. It's useful mainly becuase I can store transaction data from the past year or two (for reporting, taxes or otherwise), and so it can track ...

geeze, it sounds like they're trying to manage wealth for readers of personal finance blogs.

... not a niche i would want to target.

ruh roh, there's a chance that at least one of you may not respond well to rational evidence based conclusions.

Unless it's more of a disagreement about the numbers than a broader disagreement about fluffy emotional stuff.

I've missed a few replies, but over the last years I've had weight gain, then loss, then gain, albeit on a smaller scale. My fat pants are size 38, my normal pants are size 36, and my skinny pants, which i only barely reached at my absolute skinniest, are 34. I keep one pair of 34's, a lot of 26's, ...

Where can I get a good education on this stuff? My wife and I have a random imported Japanese nonstick fry pan that gets a lot of use, cheap stainless sauce pan and dutch oven that get used sometimes, and a cheap stainless fry pan that we never, ever, use, because it burns everything it touches. I'd...

I vote you take the excess three thousand and go to Vegas

what funds would be available in your 401k if you didn't use brokerage link and just held the funds on the list?

So your 401k is part traditional and part roth? For the traditional portion, is it all pre-tax?

And the Rollover IRA is all traditional, but part pre-and part post-tax?

The expected growth rate of an 80% cash, 13% stock portfolio is not high at all. We have no idea how near or far you are from retirement, but have you been able to project your anticipated needs against your portfolio and it's expected growth? If your portfolio is large enough relative to your needs...

The usually quoted yield is the real yield, the actual dividend distributions add in the inflation adjustment factor. The regular TIPS fund has a fairly long duration, like 10 years, although VG has just opened shorter term TIPS funds. The longish duration sets you up for risk of price drop if inter...

I wouldn't have a procedure done at a facility with barrels laying around willy-nilly.

Zero dollars may look weird and hurt scores, but there's a good chance that any amount greater than $0.00 and less than high utilization percentage will result in a good score.

I wouldn't sweat it.

7 figures is a lot of figures. 40 years is a long time. I think it would be okay to go for it. I just checked out the topic to see if the watch value was over or under $5000. :beer I know that the cost at my stage in life would cause me to recoil in terror. In my past I've had two entry-level Tag He...

I would love to know the rationale to justify switching to private insurance. Less regulation? the 2009 CU times article mentions it: http://www.cutimes.com/2009/03/11/ncusif-controversy-generates-more-interest-in-private-share-insurance NCUA hit all credit unions with big assessments to backstop t...

Probably a bit worse. My dad was pretty successful in his career, so at my age he probably made a bit more (I mean, i'm doing all right, but I suspect he was doing better. Plus, we lived in a less expensive part of the country so the housing arrangements were much more spacious than mine are now.

The problem with the Calpers board is that as far as I can tell, it's just composed of random bozos.

I also wonder how much the consultant was paid to come to this stunning conclusion.

(my wife participates in Calpers... so my cynicism is personal).

On my home Windows 8 machine, I like IE10 a lot more than IE9.

However, I keep other browsers around, because I seem to be assured of compatibility problems on various websites unless I"m using, like, IE7 or something.

On a tangent, where are easy places to dispose of my used alkaline batteries?

BTW maitai, good job on saving like a beast. $43k is probably a significant percentage of your gross salary.

If you're not going to be there over 4 yeras, make sure to see if renting makes more sense while you're at it.

I forget to mention that if you ever visit Manila with your girlfriend, you'll find that American dudes with younger filipina girlfriends/wives are pretty common... I felt cliche when we went there

Hey, I'm married to a Filipina woman, so I can commiserate :) Have you had a chance to visit the PI? Middle class folks are poor by American standards, poor folks are really really poor by American standards. A little bit of money can go a really long way. And I can tell you that Mrs. Rhino's family...

I think some members didn't like the sense of invaded privacy.

Personally, I thought it was great.

I like how each person has their own personal version of doomsday, which perhaps tells us a lot about the person. I liked the woman who's defense against pandemic was mainly lots of hand sanitizer.

I also wonder who the "experts" are who evaluate their plans.

staythecourse wrote:off the topic a bit, but who do you think would be a "sexy" spokeperson for Bogleheads??

My grandmother always said I was good-looking...

if domestic and international yields were the same, would that change the ideal location of TISM much?

huzzah for lower fees. My wife has a tiny position in it in her tiny 403b, and any expense account over 1% tends to make me shudder a bit.

Thansk for the summary OP, I didn't listen to the audio, just read your precis. It seems like Dave's investing education stopped in the 1990's. He's kind of fixated on the S&P thinking it's the only index in town, and that stocks are the only game in town. And his 12% return suggestions seem out...

Wait, OP, you mention a 5 euro purchase, are you in europe? If NOT, I recommend pulling copies of your credit report from all three bureaus. Sounds like there may be intermingling with family members that you will want to try to get corrected. If you are in europe, then I would still try to get it s...

it's gotta be a screwup on nationwide's website. maybe they're listing performace from 2007.

1 million, in today-ish dollars Why? No idea. But I'm still youngish (37), (the wife will have a modest pension, maybe larger depending on how long she stays at her job) and we've got some time for our nest egg to inflate along with costs.

Look at fees and fund selection. The importance of fund selection depends on what you'd be planning on buy it. If you're planning on 60% bonds and 40% stocks, then the bond choices are approx 50% more important than the stock choices. And you're going to have to contrast this with other providers av...

But TaxAct wouldn't let me enter interest income on the NJ return only; it required an override. (It did allow me to list salary on the NJ return only, because NJ taxes health insurance paid by payroll deduction.) It requires that all interest income be entered as if it were on a 1099-INT, and ther...

This also depends on the state. In California, for instance, there's lots of different 457b plans avaiable, with different ones used by different districts.

kakapo wrote:Our first one was plastic and broke after 8 years, which is an unacceptably short time IMO.

Some people's cars don't last that long.

Hello, I need to buy a new kitchen-size trash can before my wife murders me dead. We'd like one that will fit "kitchen-size" trash bags, about 13 gallons or 49 liters. We won't be putting it under any cabinet, so some sort of easy to use lid to make it prettier and reduce smells is importa...

Are your contributions per month or per year? If it's per year, you need to save more money. If it's per month, then that's better, but you're still talking about saving really only $4800 a year for retirement (like 7% a of income). That, combined with your fairly modest portfolio size, probably isn...

bengal22 wrote:trust your husband. the fact he is not given more than 20 bucks sez he knows whats up.

It does indeed seem he knows whats up.