Bogleheads.org

Well I don't think my strategy is that different. I BUY monthly HOLD until the stock drops beyond my comfort zone and RE-BALANCE by selling high and buying low (assuming the stock that looses 2% will keep losing until another month when I will rebuy it at lower price) OP, You original post asked mo...

by letsgobobby » Wed Feb 06, 2013 1:08 am tomd37 wrote:In this day and age, I cannot understand why anyone would want to take on more debt or lengthen their existing debt. I think this is exactly the day and age when people should! Letsgobobby, That's what people said back in 2006. Doesn't make any...

BBL wrote:The anticipation is killing me.

I'm waiting for your poll that starts with: Here's what I actually bought; what do you think?

Will we get one of those?...




Calm Man wrote:The suspense is killing me. Newb, did you do it?



Fairly soon.

Soon?.....You've lost another two days.

If we could do it on a weekend I will attend. I am in Bellingham.

I am stunned that no one has mentioned the baptism scene in The Godfather.

It's not like they need a drug intervention. You give them a simple book from the wiki and say "this has worked really well for me."

My refund normally equals my annual property tax. And the coincidentally my property tax bill and refund come at the same time -- so my tax refund just pays another tax.

I live in Bellingham (about 80 miles north of Seattle). Worst month to visit of course, but the San Juan Islands are beautiful (there are over 100 islands in Puget Sound Bay). You can take a ferry from Anacortes. Also the drive up Mt Baker is incredible right here in Bellingham. In Seattle downtown ...

So you will pay $1200 for the first year to use a cell phone. Yes you can amortize the phone cost over the life of the phone, but $1200 is a pretty big slice of a budget for a phone.

OP,

Many of us were nervous starting on our own. But with knowledge comes confidence. Read from the book list...keep reading until you are comfortable. And then read some more.

IRS announced 401K contribution limits for 2013:

http://money.cnn.com/2012/10/18/pf/taxe ... ?iid=HP_LN

I was just telling a friend the other day -- you can't put a price tag on your neighbors and the friends your children will grow up with. I lived in one town where neighbors never socialized, everyone hunted and taught 6-month old toddlers how to drive ATV's in the sreets. Now I live in an area wher...

I ride a Kuota Karhma (hence the name Kuota Rider). Cervelo makes a very nice line of alluminum bikes.

Fit and comfort is way more important than material. Ride 8-10 bikes and pick the one most comfortable. I had the carbon / alluminum argument with myself for months and it vanished after I rode a few bikes.

Welcome to the club. I consider our household in the two comma club. Ido include our vacation home but still exclude our primary residence. Regardless of how you figure it, it feels good to cross that major threshold. I prefer NOT to count my primary residence as well, but it still felt good being ...

There was a post early this year by someone who just had to share their new membership into the "2 Comma Club" because there was no one else to confide with. Well....today (counting equity in my primary residence), I joined the same club. I feel like the same poster did because we can't sh...

1. Company match; it's a bonus and ytou are essentially saying "no thanks."
2. Tax deferred savings
3. Automatic savings makes it easier
4. You will blink and in 6-7 years have $100K; worse than that, you may blink in 10 years and have $5K.
4. Start with the basic books on the wiki.

Anyone that doesn't understand the market and would hold a stock that long (4 years) should not be investing. My average hold time is 30 minutes to 90 days."

The funny part to me is that this person considers what he is doing "investing."

A co-worker and I like to share (and debate) investing news and theories. He laughs at the Boglehead way as too conservative and I calmly tell him I am I think individual stocks are far too risky. He outranks me so I try to be politically correct. He has shown me a couple penny stocks that he has pr...

Very nice....but it doesn't appear you are accounting for inflation. Property tax, homeowners dues, utilities, & misc. expenses will all be quite a bit more 20 years from now than they are today.

I have a very intelligent (and wealthy) relative who owns 2 $20 watches: 1 for standard time and 1 for daylight savings time. I love it.

It is standard procedure in many industries today to perform a background check (credit check, driving record, police record, etc.) But that is only done AFTER they make you a formal offer and normally done directly through the firms human resources department -- not the recruiter.

L,

Good to hear...congratulations.

I am very happy to say that I didn't change a thing during the last crash. And much of the reason is reading the posts here where people reminded eachother to Stay The Course. I scaled back some savings a few months ago because of a slightly smaller salary at a new job, but that was in line with a n...

A good friend whom I have known for 20 years. I was a warehouse grunt and he was the company controller. I was single and liberal and he was married and conservative. He has taught me more than he knows (about money, family, politics, life, & career) and I owe him plenty. But we all owe other pe...

I have been a victim of a "refund" a couple times. Be thankful though...one company I worked at avoided the audit issues by limiting the amount anyone could contribute to the 401K to $8,000. That way, there was less disparity between high and low income earners so they never failed their a...

Congratulations Camper. Keep it up.

I agree with Gray...find a mentor. Nothing can help you learn faster than surrounding yourself with people smarter than yourself. Also, use your library and book store; read everything you can find on the subjects that will help you the most.

Nobody has really mentioned kids & family happiness. With home ownership, our kids will grow up in the same neighborhood and go to the same school, with the same friends. That alone is priceless. If I was single, I might want to rent, but we are very happy with owning.

I've once opened a 2nd checking account at a local bank (for $500) just to receive their $100 offer. 3 months later I cancelled and withdrew $600.

-M

Ride my bicycle to work.

We have a 2001 Accord with 120K miles. Still purrrs just fine, and no problems at all. We had a recall on the transmission, and Honda essentially replaced it at 50K.

the beerdrinker wrote:
suggestions for restaurants

There's a little old lady who sits on the pier in Ensenada, Mexico who makes the best fish tacos you will ever eat.

La Jolla cove and Old Town. Tiajuana is a fun day trip if you have the time.

-M

I have heard a co-worker state: "I trust my advisor knows what he is saying when he tells me when to sell and when to buy."

I knew I wouldn't get very far after that response so I left it alone.

-M

I feel its the obligation I assumed when I chose to have her. I'm also saving for retirement. I agree with Gray. I max out my 401K and 2 Roths plus a small monthly sum into two 529's -- but we stretch to do that. But the best rule is to take care of your own retirement first before your childrens c...

When my first son was born (six years ago), I interviewed a couple financial advisors and was not happy with their quoted fees. So I began reading simple investing books and kept reading / progressing until I found the Boglehead's Guide to Investing. I now create a monthly budget and review it each ...

OP, I agree with Supersharpie and Livesoft (no reason for a decision), I make the same salary as you with a wife, two kids and a home (mortg., property tax, insurance). And I have max'd out a 401K and TWO Roth's for 10 years now. You need a budget to find out where you are falling short. Count month...

Thanks Taylor,

The LIfe Strategy funds may fit my AA better than my current Target fund over the next couple of years -- with a smaller ER.

Vanguard deducts $416.66 for me and $416.66 for my wife from my checking account on the first of every month.

I second anything by John Rosemond; very old school discipline.

What to Expect When You're Expecting.

Others have been here before me, and I walk in their footsteps. The books I have read were composed by generations of fathers and sons, mothers and daughters, teachers and disciples. I am the sum total of their experiences, their quests. And so are you. -Elie Wiesel What really knocks me out is a bo...

That's not the goal of this forum. It is the goal of others on this site, but not this one. Note: the Bogleheads forum is dedicated to the civil discussion of investing, personal finance, and consumer issues. Other topics - including politics and economic policy issues (e.g., health care and tax pr...

Two weeks ago this site had a thread titled "If You Can't Say Something Nice..." and today this thread is filled with name-calling like "stupid", and "Idiots" with examples revenge tactics. This is an investment site where the goal is to help educate eachother on financ...

tschaikovsky

When topics range from reusing paper towels to the best $5000 watch, expect diversity.

Yeah... awhile back, someone said they were going to quit using deordorant in order to save a couple bucks a month -- definitely a little extreme.

Interesting. I took thedude's response as indicating that he would be annoyed at being asked the question, not at indicating that the grammar of the question was wrong. I would also find the question annoying, as it seems like the questioner is trying to gauge the level of my intelligence by trying...

I read an article over the weekend that listed some of the strangest job interview questions. Thought I would share a couple I have been asked: 1. If you were a candy bar, which one would you be and why? 2. Elvis, The Beatles, or The Stones? 3. Name me three books you have read. Anyone else want to ...

Never speak a foreign language where it can be overheard by others.
That is tbe best policy...

+1

It will help avoid any mis-conceptions.