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1.5% fee to rebalance 3 funds vs. a fixed single AA fund (fund of 3 funds) Vanguard LifeStrategy Moderate Growth Fund (VSMGX) @ .15%?

Depending on fund locations it may or may not work.

The Greatest Generation!!!!

My pure emergency fund, as in "send lawyers, guns, and money, the (blank) has hit the fan", is in my Roth, which at the moment is mainly in a corporate bond fund. I can hit my contributions without penalty, but knowing that I can never put the money back in keeps it truly an emergency fun...

We went to OTA (over the air) 2-3 years ago. The trick for us was making up a decent DVR. Ended up with Windows 7 using the media center. Have 4 tuners installed and it works like a champ. Even burn all the DVD I had to the box so can watch any of them with a push of a button. Its by far one the bet...

Not going to add to your AA quest but wanted to welcome you to the board and thank you for the cheese!

We are in MN and take a trip to WI a few times a year to get some good warm squeaky curds and colby, so good!!!

ofcmetz wrote:Perhaps studying one of my favorite threads will help you in your forecast.

viewtopic.php?f=10&t=80065

Its always intersting when I see this one pop up to the top!

10K to Ibonds and 30K into something like Vanguard Short Term Corporate Bond ETF VCSH or maybe one of those 5 year CD I have been reading about around here.

Please, also TALK to your named DPOA about your investing philosophy long before you (might) become compromised, let them know where you hold your investments, and where to find all of your financial information, including recurring bills, insurance policies, etc. And make a list of everything fina...

Thanks for all the post, I think the kicker for me is just getting internet only access, I see CenturyLink now has something called Pure Internet, will look into that. It maybe time to have Comcast Lined up then call my current provider and see what they offer. That has worked in the past! Internet...

Thanks for all the post, I think the kicker for me is just getting internet only access, I see CenturyLink now has something called Pure Internet, will look into that. It maybe time to have Comcast Lined up then call my current provider and see what they offer. That has worked in the past!

It even made the local news last night. The news being the news noted that no word as if anything has been breached, or something like that. Again more warm and fuzzy feelings :wink: Have you considered banking with a smaller target? I have but it one of those deals where I have been at Wells for 2...

It even made the local news last night. The news being the news noted that no word as if anything has been breached, or something like that. Again more warm and fuzzy feelings

Hoot

I will give Google phone a whirl again, I had # some time ago.


Thannks

The Wells Fargo site is down again today!! Its starting to turn into a weekly deal now. Rather than start another thread I just added to this one :annoyed I must have some really bad timming, it seems whenever I want to take a look its down. Maybe its part of some new security, nobody can get in so ...

We have CentryLink for our home phone and 12meg internet access @ $82.38 all in per month. Any other options I can look at? On the cell side of things the wife and I both have prepaid T-Mobile phones and a 3rd prepaid T-Mobile plan that we can toss to one of the kids if needed. The prepaid cell phon...

jeff1949 wrote:I'm afraid to. They might hire a hit man.

Just tell them if you don't die of natural causes the $5mil insurance policy does not pay out. At the least it could make for a colorfull well thought out death

OverTheHill Nice post, many here may give you a little grief about depending on your daughter-in-law but I think you have the right idea by waiting it out a bit. I was asked the same question from my in-laws after about 15 years. I'm so glad they sat down with us, told us thier wishes, explained wha...

I have money to pay down some debt and invest but I want to make sure to fully have my EF ready before I do this. and how many months do I need for a true EF, 6 or 12 months? Not so much on to the EM question but what do you mean by paying down debt? If we are talking something like a credit card y...

In a previous post I ask, would you account for a future inheritance. The responses were about what I would expect from the group. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=114003 Given the responses of the previous thread I wonder how many would discuss their estate plan with their f...

Are you going to try a network tuner for OTA?

I have a simple 14k gold band, its never off. I dig in the garden with it, work around the shop, fix cars etc, I'm hard on it. It looks well used and thats just fine with me. The ring is about 10 years now. The ring before this one I had for about 10 years before I lost it to the bottom of a lake fi...

Yes, but only in the sense that I try to max out all tax deferred investing opportunities each year. I figure any inheritance will be on the taxable side. There are 3 potential sources so I'm pretty sure we will be inheriting something along the way. If we do, maybe we'll retire a little early. If ...

We are all talking about a worst case and you get zero, not that I don't agree but what if we work with the percentages I gave? I have a family friend who started a $1M charitable trust 10 years ago with a portion of their assests, when they set up the charitable trust they also bought a $1M insurac...

I would be willing to take the gamble on some tax planning myself, Roth vs tIRA for the next 20 years.

If you were on track to make your number in 20 years (I know Bogleheads like numbers, lets pick a number of 1.2M) with 40/60AA (bond/equities) mix and today you find out in 20 years its a 75% chance you are going to inherit enough to double your number or a 99% chance is will go up by 25% (think ins...

This article about the current DDoS attacks from Cyberbunker on Spamhaus et al. might interest folks of this thread: http://www.nytimes.com/2013/03/27/technology/internet/online-dispute-becomes-internet-snarling-attack.html I guess if one lives in a backwater like Texas one will not have as many pr...

Looks like cyber attack, Denial of service http://finance.yahoo.com/news/wells-fargo-says-cyber-attack-195937592.html The vast majority of customers are not impacted and customer information remains safe," said Bridget Braxton, a spokeswoman for the fourth-largest U.S. bank by assets. Customer...

Random Musings wrote:When the site is down, does WF honor the free trade deal when you have to call to make a trade? I would think that is the case.


RM

You can call and make a trade, its still free I belive. The question is will you get thru!

Ok, this is starting to get a bit old, site loads half way and hangs, does not load at all. I assume its another DOS attack but who knows. Maybe they have to shut down half the servers to save energy to make the .02% interest payments. Last time it took 3 days to gain access again from the midwest. ...

learning_head wrote:Not sure if you mean this one, but I think it has the info you are asking about...

Not the one I was thinking about but this one will work just fine as well, thanks.

Jay

About a month or so ago I saw a post where someone listed what the taxed amount was of Vanguards Total US Equities fund/$1,000. It was laid out very well, wish I would have tagged it. I did a seach and came up blank. Would some of you taxable investors be willing to share or point me to a link. Than...

I happen to like Vanguards VCSH as a EM fund in a Roth. If you are unable to fill all your tax avantage space then to me using a Roth to hold the EM fund is not a bad idea. We keep 3 months in checking and about 9 months in the Roth. Your are just saving the space for latter if no emergency comes ab...

First off welcome to the board and I do thank you for your service. Forget about what you did at this point and just let it ride for now. Start at the top and read a book or two, the Boglehead Guide to Investing is a great start and an easy read. After that I would take a look at Rick Ferri's All ab...

NYC Lets take a step back here. What do you want your final AA to look like? Some general thoughts: It looks like to me you are looking at each account as being seperate with a seperate AA. The trick is to add up all your accounts and pick the best funds for the right accounts based on tax treatment...

What is the balance between being responsible for oneself and saving/delaying gratification and being a miser and being overly materialistic? How do you balance these things mentally and emotionally, and of course, financially? I'm about the same age as you. I found that after I took the Boglehead ...

NYC Welcome to the board. A question for you, I did not see a tIRA or a Roth IRA listed, are you eligible for either? I like the idea behind a 529 but would not use one until I used all my other space as in 401k, IRA's, maybe even I-bond, etc. Any chance for a better rate for the home? Edit: added a...

I think another good reason for I-bonds it should be less tax paper work, that is if you don't use your EM fund for a number of years. It the KISS program.

Both? If I had to pick just one I'd pick i-bonds (assuming you don't need the cash within 1 year and preferably not within 5 years). I-bonds was my first thought but from what I read someware here the next rate is going to be getting close to 0%, might as well leave it in the darn bank! I should st...

For an emergency fund and short term savings (car/house repair) I'm looking at using I-bonds or Vanguards short term bond fund VCSH in taxable. We are in the 15% federal bracket and 7.05% state bracket. We have a portion of the EM fund in a Roth using VCSH, I knew this would be just a place holder t...

Jay That is a good perspective. At the moment I have no pending windfalls that I can see anytime soon. Considering that I still have the following questions that I would love to hear opinions on. From many of the responses it seems that most see my portfolio to basically be on the right track. 1.Sh...

loudog One thing to keep and eye open to is any windfall you may find your self with. I was playing around with this concept a while back here based on living in state with a state taxes. If you were to get a lets say $500,000+ (in taxable) it may make some sense to have some Roth space as well. I t...

Concrats and a great story.

I have noticed somthing from this board, I think many of people here are engineers and or work in an engieering field such as yourself thus make good Bogleheads.

off the topic a bit, but who do you think would be a "sexy" spokeperson for Bogleheads?? That is what we need to spread the word. If we can get someone famous that is interested in boglehead ways and get a picture of them with a boglehead t-shirt (IF that ever happens) would do great to s...

Don't forget s/he also has state tax on to of marginal federal rate. Given the income level, unless there is a pension I would not rush to use a Roth IRA even at the 22% bracket, which is 15% federal + 7% state. letsgolobby Is this one those cases where the OP may what to shoot for somthing like 25...

^
Great plan above.

I'm all for having differnet tax buckets but with with being in the 25% bracket and a state tax of 6.48% how munch Roth makes sense, 50/50, 25/75 rIRA/tIRA?

starsfan18 wrote:I will do anything she tells me to. 1

1. Poster's statements about Mila Kunis do not reflect reality.

I maybe with you on this one

In both my work and the wifes work plan all new contributions are set to goto bonds, last month I looked under the hood and the AA has not changed to much. Had to move a little to international.

My father recently passed away and of the myriad of things I have to dispose of from his house of 50 years are Lionel trains. O Gauge from the 40's, 50's and 60's. He always felt they worth some money but I'm sure it won't be too much. Do you have a young relative who would market, sell, and ship t...

The fun part is when you can't get at your funds for 3 days due to a DOS attack. I'm not a computer guy but can a bank really prevent a DOS attack or is it the way the internet is built/configured. A DOS attack cannot be prevented. This is oversimplifying, but imagine if 1,000 malicious people went...

I believe that the security of personal information is compromised in brick and mortar just as easily. For example, look at all the personal information that is contained in health records. Most doctors, dentist, labs, and insurance companies have social security numbers, birth dates, etc. An incre...