Bogleheads.org

Dumbbell pairs of 15s, 25s, 35s, 45s & 60s. A bench, a bike, sold the treadmill. Start clean and pressing some 45's and you will notice shoulder improvement quickly. I wish I had room for a Smith machine, it's a lot safer when working out by yourself.

I got 100%, too. Easy "test". I got 100% but you really don't need to know the right answers to most questions to be financially literate. The most important questions are not asked: asset allocation, diversification, low cost. I don't have to care whether bond prices go up or down, A, B, ...

No, they do not offer the option for any withholding...so, if a person has not made estimated tax payments or otherwise had sufficient withholding from their employment or pensions, they could conceivably face penalties and interest on top of the tax due. I don't see this being a big deal. My wife ...

If I recall correctly, GA has very minimal taxes for someone in your circumstances, Not until age 62, then the first ~ $130k of retirement/investment income is state tax free if married filing jointly. I will have a federal pension (supposedly with COLA) of a bit over $5000/month (after federal/sta...

lol yup, the commenter on that page is also complaining they've been trying all day. That's nothing. I have been trying to get 2-$30 fees I was charged credited back to my account for 86 days now, which includes two trips to a branch wherein the branch manager and another worker both said I was cor...

Yeah, it is old. I do online bill pay through a WF account and have a brokerage account, it is starting to chap me. It took almost a week to get back to normal last time.

I played football and baseball for a lot of years, baseball (primarily 3B or catcher which is not kind to the knees) until I was 43 and can't say beyond a few muscle pulls, bumps and bruises I never had an injury that was significant enough to warrant surgery. Much unlike a car wreck and slipping of...

Fed was 26 pages, state was 7, but lets not get into how many pages of documents were necessary to provide all the info that went into the returns.

Hopefully Samsung has improved the battery life over the S3. I finally broke down and bought an extended life battery, which has worked very well, but if I put it in my back pocket and don't wear a belt my pants keep sliding down. The thing feels like it weighs 4 lbs now, but that is better than hav...

1) 11%
2) Yes, although it was a home equity line at the time
3) too similar to make a difference

0%. Roughly 2% on property taxes, HO insurance + large umbrella policy. Property taxes were lowered the last two years after "negotiating" with the county tax assessor board. Probably start increasing in 2014.

Great job, MM. Good to see you back. Regarding this: At one point in time, the Munchkin Man was advised to add some weight training to the Munchkin Man's exercise program. The Munchkin Man did so for a while. However, the Munchkin Man discovered that it seemed to be slowing down the rate of the Munc...

Yada, yada, yada, yada.... I'm with you. Worrying about SWR to the degree it occurs on this board is unreal. Then again, losing my mother to EOALZ @ 66 and her sister at 65, two paternal aunts die in their early 60's from ALS and bone cancer respectively, one first cousin go at 41 from a heart atta...

I've got EE's that start maturing in 3 yrs at $32k interest income/yr for an 8 yr period, I'm not selling those since they are guaranteed 4%. Since it is impossible to find low risk fixed income currently that outpaces inflation and taxes there is no way I would sell the Ibonds unless there was a se...

Regarding the house with the pool, you will exclude a lot of future potential buyers who do not want a house with a pool. One of my siblings has a pool with a liner, they have spent a not insignificant amount of money on the pool including repairing the concrete apron and are now looking at a perman...

A lady who was in a dog training class I was in had two young ones, I have not seen them in roughly a year but then they were both pushing 80 lbs and had fairly good temperaments, and the owner was 110 or less. She got them for protection as someone had been killed in her family, I didn't think she ...

Total international is not at a 5-yr high, emerging markets, etc, that could be a starting point. Look at market segments that underperformed the US market the last few years and consider those, then add other markets as desired. Regarding investing, psychological toughness is something that sounds ...

Autozone currently has a good deal on Castrol full synthetic + Bosch max capacity filters, think it runs through month end.

In reality, like my wife's new turbo Beetle, the "free" BMW maintenance is built into the price of the car. She wanted me to trade in my 2002 SUV for something new and I was like, nah, I only drive ~ 5k miles a year and my vehicle runs great. At the end of the day it's what you really want...

sscritic wrote:Don't forget to cement it in so it can't be stolen from your safety deposit box.

Just looking at the recent 30 year period, from 1982 through 2011, the S&P 500 produced an annualized return of 11.0%. For this same period French indicates that non-dividend paying stocks returned 8.3%. Of dividend paying stocks the lowest paying 30% returned 9.4%, the middle 40% returned 12.0...

I wonder where that goes on the PA Estate Tax form. No idea, I live in the onerous state of GA where one now needs a crystal ball to determine whether to opt in to the new vehicle ad valorem tax scenario, in which one pays a one time large lump sum at purchase or stay in the old/existing annual ass...

My passion is hiking and backpacking. I know it is possible to do this enjoyably into your 70s or even beyond, but realistically it is not the same level as I can perform now. Currently I do day hikes in the 12-20 mile range and backpacks in the 50-70 mile range when I can squeeze in the time. By t...

This thread made me smile. The Costco coupons showed up and I said to my wife that we could get a safe to replace the bank deposit box. She said no way. The biggest box at the bank is $90/yr. We have a lot of silver and gold in it, plus an external hard drive that contains a copy of my music collect...

I had a very good experience with PenFed two weeks ago. My wife's existing car had a lot of recent mechanical issues and had hit 130k miles, she needs a reliable car as she does home healthcare. Went into a dealership that sold the car I knew she was excited about, got the new 2012 model for $3200 b...

This WF web scenario is on day 3 for me and beginning to cause some serious chafing if you know what I mean.

I didn't vote as not truly retired, but on my spouses (48, 49) employee sponsored plan which is going up 11% for the premium HMO, which has a low deductible and co-pays. She works for a non-profit healthcare company, and that is both non-smokers and enrolled in the employer's wellness plan. The empl...

Grumpy pants on! http://www.trulia.com/homes/California/Paso_Robles/sold/28931355-740-Oxen-Ct-Paso-Robles-CA-93446 So they decided to buy a house in 2008 and sell barely three years later and are blogging how smart they are to be house free. That smart move cost them close to $200,000! AND a year a...

Post by sdrone » Tue Oct 23, 2012 4:15 pm NOTE: The great 3% cashback on gas on the Costco Amex does not apply to gas bought at Costco. Their story they told us is that people were scamming them by lining up multiple cars and purchasing all the gas on 1 card. Costco Amex has been paying me 3% on ga...

I like the Beast hot sauce, quite hot while still having good overall flavor. The wife likes Tabasco Jalapeno, their chipotle, and Frank's red hot. I like to grow various chiles and then slow smoke/dry them, grind them up and use for BBQ rub and wing sauce. Got some Red Savina, Serranos, and Jalapen...

The comments regarding the potential impact of moving from your friends and possibly relatives is good to consider. I have lived in the deep south my entire life, spent a good amount of time in FL while having lived here in ATL 20+ years, and you would want to go during the worst months to try FL if...

We pay $140/month for two smart phones with unlimited talk/text and 4 Gbs of data, which is subsidized $60 month by my wife's employer, in addition to receiving a 22% discount, so that is roughly $80 a month, + $116 for HD cable/DVR/second box/Showtime and internet up to 30 Mbs. If it weren't for th...

"A great record. But "Congratulations I'm Sorry", which came next was pretty darn good too, even without Hopkins, and it had a top 10 hit too ("Follow You Down"). Not to mention the excellent single "Til I Hear it From You" that came out between the two albums. JJ[...

The Gin Blossoms - "New Miserable Experience", then firing the co-founder Doug Hopkins who was the primary song writer & guitarist, and using songs he had written for some success before bombing out. Hopkins committed suicide soon after the firing for continuing to drink heavily while ...

Guess I am about +6 for an Echo backpack blower, going on 8 years with zero trouble. I am pretty sure the one I have was rated at 150 mph air speed at the nozzle. Easy to start, light enough for my wife to use it occasionally, wide range of throttle speeds which would be useful for you given the ter...

For a band that supposedly sold over 20 million CDs, the Scottish band Texas was really good. I never hear them mentioned anywhere. Started off bluesy and finished at the pop end of the spectrum. Saw them twice back in the day and they put on great shows. A highly unappreciated artist is Paul Reddic...

To prove my point: Link to Pie Chart 1, taken as I log-in to my account. Note the 3 slices: http://dezigns.com/chart1.png Link to Pie Chart 2, taken seconds later after I refresh the page. Note only 2 slices: http://dezigns.com/chart2.png I actually have better things to do; they should fix it. And...

How can you get used to it when things don't work? Every time I log in, I see an incorrect Portfolio pie chart -- with added slices. That's entire asset classes I don't own. Then refresh the page, slices gone, but percentages still way off. Every time I go to Performance tab to check YTD performanc...

And there's an 'X' factor we don't understand. Best guess is that it is something to do with High Fructose Corn Syrup (the US is pretty unique in using this as the major sugar substitute in food) in particular, but also the general nature of eating now: processed food, additives, high sugar content...

Can't comment on the satellite speakers with the package, but I bought a 7.1 ch Pioneer AVR from Costco in 12/2011 as a replacement for a 12-yr old Marantz system that was going on the fritz. It has performed well and I like the fact that it has a discrete "B" channel which is run to speak...

Upon reflection, I have thought about a dog's life like this: They have short lives, but good lives. They are born, and go directly into retirement. No portfolios, no worries about interest rates, no school, no job. They simply eat, sleep and live a life where they are walking down the street and a...

My wife started with an iPod Touch, then bought an iPad2 with 32G and the cellular option and I inherited the Touch. She loves the iPad, I think they are grossly overpriced and the Touch to me, other than as a music player, is almost worthless for online connectivity due to small screen and very tin...

What he is talking about likely is a tankless hot water heater, though that price seems incredibly high. They don't have the carbon monoxide issue because they are electric. The only tankless systems I have seen/researched are gas, and, if one has a traditional tank heater fueled with natural gas, ...

I am really not keen on selling, moving into an apartment, and waiting for my new home to be built, and moving into the new home. Is there a better way? Or am I going to have to put my stuff into storage? You could ask the purchaser of your existing home if you could rent from them for 3-6 months, ...

Great job working with Walter, he is bee yooo teee ful. They are all great looking. Sorry you lost Marshall, but he has to be happy your family was able to help out another GS, mix or not. Sounds like Walter will have a much happier life.

Regarding the dog being 'shy', we'll have to meet him and really see what we're talking about. It could quite possibly be just a lack of self confidence issue that would likely be helped a lot by training. I've done lots of obedience training and would pursue that (whether in classes or alone) with...

From a total investment perspective including individual TIPS, EE & IBonds, individual tax exempt bonds, CD's + all ETF and mutual funds it is .06%, if just funds/ETFs it is .20%-.22%.

Frank - sorry to hear about your string of misfortune, that is a lot of burden to bear on a continuing basis. Don't let the negative posters bother you, some people believe they are above personal misfortune and love to criticize with hindsight. After personally undergoing a recent a health scare fr...

well, at least the way I've been doing it.. I've been buying Vanguard ETF's in little chunks and now I have a plethora of tax lots. I'm wondering if I should sell it all and start over. I'm at about even in my taxable account - no substantial losses or gains. My thought is to sell it all then buy V...

Pricing transparency doesn't exist, not that I believe that would help many consumers at this time. The HDHP is not the issue here. For an emergency visit at a hospital, you don't get to choose the providers. You may go to a hospital which is in your network, but the doctor who sees you may not be ...