Bogleheads.org

It's something installed on your computer. Not sure where you picked it up but you should be able to remove it from add/remove programs in the Windows control panel.

As platforms go, you could do a lot worse than Wealthfront. 0.25% pa isn't bad, and it's not like the underlying investments are expensive, either. You do the same thing yourself for less but there are legitimate reasons some people may not want to. I personally tilt to small/value, so I'm sympathet...

Sounds like you're trying to time the market. The market dropped by half a few years ago and has already completely recovered. Sounds like a reasonable worst-case scenario.

I've become more and more of the opinion over the last few years that widespread financial literacy movements are a waste of energy. Those who want to learn will seek it out - we all wound up here, after all. Those who don't, won't. No amount of required financial literacy classes in high school/col...

This isn't really a valid comparison to make because in most cases, these kids don't have $220,000 on-hand to invest when they are 18. They also don't take cost-of-living into account. Of COURSE graduates in California are going to earn more, on average, than graduates in Kentucky or Mississippi eve...

I'll go ahead and say what everybody else is thinking but not saying: there is a 0% chance the manager will beat a simple indexed portfolio over the long haul on a risk-adjusted basis. Not 10%. Not 1%. 0%. You're going to have to tell your wife she's wrong. Good luck with that.

I'm assuming you're talking about Amazon. You can get around it by using something like vigilinks, but you have to give up a slice of your revenue to them.

to the original poster: I HIGHLY recommend reading the book Stop Acting Rich: ...And Start Living Like A Real Millionaire http://www.amazon.com/Stop-Acting-Rich-And-Millionaire/dp/1118011570/ref=sr_1_1?ie=UTF8&qid=1367499456&sr=8-1&keywords=start+living+like+a+real+millionaire The book ...

Last time I will respond to you. Yes, he has a decent PR rank which was higher than I expected. No, he doesn't rank that well for those keywords you listed. Your search results are personalized, ranking MMM higher than in a "clean" search (which doesn't really exist anymore) because you h...

You're completely off. Don't buy multiple target funds. Just pick one and go with it. What do you hope to.gain by staggering target dates like that? You gain no additional diversification benefit. The diversification I was seeking was the safety from one fund going belly up. Also if I do happen to ...

You're completely off. Don't buy multiple target funds. Just pick one and go with it. What do you hope to.gain by staggering target dates like that? You gain no additional diversification benefit.

Banks profit on the difference of the interest they pay me and turning around and lending that money to someone else. I don't care if it's $1 million or $50. To say that the bank makes nothing off of consumers with small balances is wrong. Are you just pulling all of our legs, or do you really beli...

Banks profit on the difference of the interest they pay me and turning around and lending that money to someone else. I don't care if it's $1 million or $50. To say that the bank makes nothing off of consumers with small balances is wrong. Here's an honest question: how much do you think it costs t...

Trent at TSD has never really struck me as a "retire early" blog but rather a frugal living/ financial independence blog. I believe he writes/blogs full-time, but does consider that a job (though one he enjoys much more than the corporate grind). Forgot if his wife works as well. Similar ...

I have to smile. What "business" are you taking elsewhere? If you have less than $300 in your account with them, you really are just a nuisance, not a criminal. Sorry, but look at it from their point of view. So you think it's ok for banks to charge people to borrow their money? This is j...

Powerblocks or some other adjustable dumbbell set. Having only 20 lbs dumbbells does limit you somewhat.

A kettlebell.

Maybe a medicine ball.

That's really all you need.

Ruby on Rails is so hot right now.

"If he is dispensing advice that has a high probability of causing harm, he is irresponsible." What advice is he dispensing that has a "high probability of causing harm"? Probably the 4% withdrawal rate at age 30 or 35. Correct me if I'm wrong, but I believe he's only advocating...

My opinion is that why would you bother? Banks and insurance companies like to push the "guaranteed no loss of principal" angle because we irrationally latch onto it. There are simpler, more efficient means of accomplishing the same goals in almost all cases. A barbell portfolio would almo...

I'd just like to give my 2 cents here after following this thread from the start. I'm amazed that no one has agreed with Leonard he is advocating for a very BH approach. I know I agree with him. The advice given here by most posters to me flies in the face of 99% of the advice I've seen on other qu...

Folks; The additional expenses for the external manager is less than $1575 total fees for 5 years (0.07% x $450K x 5). There is no way I'd try to bulldoze my mother in law's opinions about the best place to put money for this little bit. And I'm 60 and have 30 years of investment experience. In the...

My 2 cents: from what you say about the work environment, I would probably go with employer B. There might be financial advantages down the road, as well. Future employers often anchor on what you were paid at your last job. $90k+16K towards retirement doesn't sound as impressive as $110k.

Here's an article that recommends Petroleum Engineering. http://money.cnn.com/2013/04/25/news/economy/engineering-best-paid-jobs/index.html?iid=HP_LN I would be careful chasing "best starting salary" lists. Engineers tend to start out with good salaries but quickly plateau (usually within...

Yes, I know, I have read it over and over again. "Past performance doesn't guarantee future results". That being said, how do you balance that with something like the Wellington fund that has returned over 8%, on average, for 84 years! comments? To put this in perspective, what has the st...

Here's an article that recommends Petroleum Engineering. http://money.cnn.com/2013/04/25/news/economy/engineering-best-paid-jobs/index.html?iid=HP_LN I would be careful chasing "best starting salary" lists. Engineers tend to start out with good salaries but quickly plateau (usually within...

"Mom appears to be acting appropriately..." Seriously? If a 401k had a .7% fee or someone was using an asset manager with a .7% fee - most people on this forum would say that was highway robbery and would argue it's a breach of fiduciary duty to charge that much. But, putting money in a t...

I've been a boglehead for years and even though I feel 100% comfortable managing my own money, I would not feel comfortable managing that kind of money for somebody else. I don't even like giving out concrete investment advice. I'd just let the pro handle it, if only for family reasons. If you inves...

Why? There are plenty of alternative currencies out there, some of them VERY widely accepted throughout their domain, and none of them have EVER increased in value by 1000% just because some retailer started accepting them. Why would you pay $10,000 for a bitcoin to spend on Amazon would you could ...

Just last week the WSJ published an article stating that Western Union & Money Gram were beginning to look into viability of BC's. Just imagine for a moment if a major retailer(think Amazon) or a smaller company (Dominos) would accept BC's. There would be , IMO, a melt-up in their price. Increa...

I keep thinking I should write a web tool that does this, but then I get lazy. The problem is where to find good, free, dynamically-updated data sets. Anybody know of any? Yahoo Finance is not a good solution, unfortunately.

What kind of wine do you like best? Pinot Noir is probably my favorite varietal and an excellent inexpensive option is I've been drinking lately is Gnarly Head: http://www.gnarlyhead.com/our-wines/pinot-noir/

All their wines are pretty good, in fact.

I don't consider owning timber land-owning stocks to be the same as owning timber land in the same way I don't consider REITs to be the same as owning rental property. A basket of 100 timber land-owning stocks might be an okay proxy, but you can't even buy that. At least with REITs there are over 10...

25 million will disappear into thin air if you die today (depending on spouse, location etc). You can't possibly be worried about the minutia of investing with that hanging over your head. Why not? By the time you're dead, you won't care about the money anymore. Seems much more profitable for the O...

Since you presumably got a stepped-up basis, there will never be a better time to liquidate and diversify with no tax consequences. I'd follow your son's advice. I don't disagree with this advice, but, on the other hand I don't see much harm in keeping the account either. It would be about 12% of y...

25 million will disappear into thin air if you die today (depending on spouse, location etc). You can't possibly be worried about the minutia of investing with that hanging over your head. Why not? By the time you're dead, you won't care about the money anymore. Seems much more profitable for the O...

Since you presumably got a stepped-up basis, there will never be a better time to liquidate and diversify with no tax consequences. I'd follow your son's advice.

I would get rid of all your sector stock funds and invest only in the total stock market and total international stock market funds. There's no point getting fancy. Other than that, your portfolio is reasonable and conservative and I would probably just continue with that. Your income needs are smal...

It's just an alternative currency, of which there are many in existence. You can buy a lot of things online with bitcoins but I'm not aware of any brick & mortar retailers that accept them.

I would say if you don't have a very good reason to go with one fund over another, just split the difference and pick a generic intermediate-term bond index. That said, one could make a very good argument to go with a short-term fund in this environment. In the long run it likely won't make a huge d...

T Rowe Price's retirement date funds are actually pretty decent. I'd just go with one of those.

Way too aggressive. She has no knowledge of investing, so how do you think she'd react if she lost half her money in less than a year? Probably not positively. A 60/40 or 50/50 split is far more reasonable. How much income does she need?

Tire stores usually charge $20-30 and will do all the labor for you.

Either it would be taxable to THEM under YOUR marginal rate or it would be taxable to YOU under YOUR tax rate. Either way, you're paying the same tax on the same income. I also agree with the above poster who said it would be highly questionable to have our children gift wealth to you.

>>> It's very easy to withdraw from a 401k before age 60 without penalty Oh, I wasn't aware of this? How? I don't think you can withdraw without penalty prior to age 55. I believe you can make SEPP at any age so long as you follow the rules. The IRS guide seems to say you can. http://www.irs.gov/Re...

I don't know if outsiders are in any position to judge whether or not this qualifies as frivolous spending. I've had some training I found very useful and some I found less useful.

It's very easy to withdraw from a 401k before age 60 without penalty. You're leaving money on the table by not maxing out your tax-deferred space before investing in a taxable account. If you really want to build a sizable taxable account, find a way to make more money.

I can't say I'm even slightly concerned a company with $2 trillion in assets under management is spending $28k on employee training.

You're disappointed by the Vanguard fund's return? It's averaged almost 16% per year over the past decade and almost 9% per year over the past 15 years. Not too shabby.

I have a number of friends who have done it all over the globe. Pay is pretty low from what I can tell, but they all seemed to enjoy themselves.

Probably every other month or so I'll drop over $100 on a meal. Usually it's the wine and desert that puts it over the top. $50 meals are commonplace, though.