Bogleheads.org

Not sure since had some stocks that family bought long time ago. So maybe 20-25, but it wasn't thanks to me. My wife is now 32 & I'm 33 and we have around triple that amount including home equity. Would have been more if I would have met you guys earlier.

You pay taxes based on the gains and the length of time you have held them. If you are in the 10/15% tax-bracket, you pay zero after 1 year. Over that, you only pay 15% if held over 1 year. Sell before that time, you pay at whatever tax-bracket you are in. Yup, Vanguard will give you a form to take...

We have a 3-month old and we live in the South with a very hot & humid climate. Not sure actually, but we have a pest control company spray outside every 12 months and so far its been pretty good. Have seen a few roaches since we bought the house 3.5 years ago, but it hasn't been that many.

Great, let's say I lose 10k due to following their advice - Hey here you get the magazine for free. Sweet.

Good to see another Swedish Boglehead on here, although I reside in the U.S. Just wanted to wish you good luck and say Tjena. I think its pretty cool how Avanza offers the 0%ER OMX fund.

Quickfoot wrote:Put 5K in a variable annuity invested in the stock market in their name at Vanguard after he /she is born. 8% average return turns that 5K into $500,000 when they are 60, also takes the pressure off of you to leave an inheritance.

Variable Annuity? What are the fees?

In Sweden I'm pretty sure they have an index fund for the 30 biggest companies (OMX30) that has a 0% ER. The company is called Avanza and the fund is called Avanza Zero. The reason they have it is to attract a lot of new clients and they also offer many other fund with 1-3% ER. So they make their mo...

I had the same question before and I remember someone more knowledgable person telling me that the "magic" number is around 2%. If you plan on leaving you company within a certain amount of years, 2%ER is doable. However, if you plan on staying there for the rest of your career, a taxable ...

Would be very interesting if one could find the data that shows when most $ was put into this fund. If most was put in the last 10 years, then people really did poorly. Possible to find this info, or would they rather not give this out? Also, when comparing these charts do they always include all ex...

The compnay that I work for (about 100 people) has ING as their 401k choice. All of the funds that are available to us have about a 1% ER. Then the FAs, that I have never met, add another 1%.

Yeah, its that terrible.

Yes, since your contributions are back loaded you feel like your total return should be higher than it is. Looks like you are doing fine - Good luck and keep going.

Dont think im good enough to assist you but I will bump the thread for you. Good luck.

Happy birthday Jack

OP, you will get some fantastic advice on this site. The chances of "beating the market" by 1.5%, plus the extra ER that the advisor's fund will likely have is pretty much impossible. Also, since this investment will be in an taxable account, don't forget the trading costs that will likely...

Good question. Now, if someone were to steal your information(no matter how it is done), can Fidelity or Vanguard be responsible to pay back money that has been stolen? Kind of like if someone hacks your credit card and uses it?

If he OP decides to go with a ROTH IRA instead of a Traditional, wouldn't it be ok to use the emergency fund in a money market fund within the ROTH? Since he/she could take out the initial investment or is that too complicated?

Sorry to change the subject a little bit. However, can someone that's a little smarter than me tell how Gold affects the performance of the Precious Metals & Mining Fund (VGPMX)? Always been curious how they are correlated. Obviously there is some sort of correlation.

I'm not a big fan of negotiating. However, do you need this company if all they do is match another offer? I understand if they would have said "beat the lowest offer".

Sad if it gets bad again, however I don't think it will get close to the 2008-2009 levels again. Sure, there are people that use the system like an earlier poster mention. Nevertheless, you need a much higher credit score to get a loan today. And although its not a perfect system, its much better th...

I also got the Panasonic Viera Plasma about 3 years ago and the picture is very good and I haven't had any problems with it. Good price when I got it. I will say that it gets pretty warm so it probably uses a good amount of energy. OP, I just got the 39 inch Toshiba LCD LED tv for my bedroom. Looks ...

Congrats, way to go.

I don't believe in selling in May, however would be interesting to see the result if the investor bought the total bond market fund instead of T-Bills? Would it be closer (assuming no capital gains were calculated)?

I was sold an absolutely crappy fund from chase before I knew what bogleheads were. After a couple years I figured out how terrible it was, and I mentioned that I'm closing my accounts and moving into index funds. The lady then told me that I must know that active funds beat index funds. Trying to m...

We use VRBO to rent out our property. I would recommend only renting from a place that has enough reviews.

Why gamble with any portion of your portfolio? The SP500 and TM at Vanguard strike me as the best course of action for long-term investors and retirees, along with an appropriate level of fixed assets for your circumstances. Personally, I stay away from foreign, international, and EM funds. I might...

Good question. I know that I like to save just like my dad. Dad was probably in residency or first couple of years in his new job. He made more at 33 than I do, but i(we) have more in the bank due to our savings and stocks from the family. My father saves like a boglehead, but don't invest like one....

OP, I wish I had more knowlege and could help you. Sorry. However, would it matter how many years left the OP has on the mortgage since more $ goes into equity as the years go by? I guess I'm a little surprise that it is never mentioned because you can build up your equity up pretty fast during the ...

Great forum. Has definitely made my life better. Fun, great place to learn and my favorite thing is probably the civilized tone that is often dificult to find in the online world.

If you are worried about putting money into the market now, using DCA is a great option. Because the market is just as likely to go up 10% as it is to decline 10% in the near future. However, if history has showed us anything - the market will go up in the long run. I add to my account when I get $ ...

As a physician, I think this is one of the biggest travesty in our current system. There is no link between real costs and the billed costs. I think it evolved over time when the insurance company agreed to pay 80% of the billed amount, so the providers increased the billed amount to compensate. Th...

"Those convinced against their will are of the same opinion still." - a quote used by DR often I think Dave does a lot of good things, but the guy is human. His very direct and get after it attitude serves him well in cheerleading people to get out of debt, and for that he should be comme...

50%

No

OP, hope everything goes well even though it will probably take a while to move it to Vanguard etc.

Nydad, great post earlier - great info for the OP and other investors.

Great news, congrats and enjoy every moment.

Yes, I enjoy reading the blog every week. Thanks again.

I hope you will be able to get some $ back and I believe it will be a good idea to at least write a letter to the company. Even if you don't get anything back, hopefully it will teach the company/FA to treat their clients better.

reversion to the mean. ------ In the book Irrational Exuberance, Robert Shiller says that inflation adjusted U.S. home prices increased 0.4% per year from 1890–2004, and 0.7% per year from 1940–2004. ----- So how far will the price of your home on the range fall? Citing historical data and trends, ...

Ok, maybe I read it wrong. I haven't done any analysis, but just read the tax cost number.

http://performance.morningstar.com/fund ... ture=en-us

Just went through this as well. Agree that it is a painful process and consumer reports not all that helpful in this case (i am a huge consumer reports fan in general). I think it is important to read as many online reviews of other peoples experiences as well. check out fridge forums, lowes websit...

DLS seems to be very tax inefficient. Just looking at the 5 year cost it seems almost as bad as REIT.

Congratulations, must be a great feeling. Can't wait to start my own thread in 14 years.

Not a site per se, but this guy has a feeling in his gut AND a webinar too: http://www.youtube.com/watch?NR=1&feature=endscreen&v=XXveGyGkHxA DOW down to 6000 sometime in 2013; maybe tomorrow. :oops: Don't mean to change the subject, but our older neighbors( who we get a long with very well...

A spouse does not need earned income of their own to open a spousal IRA . The other spouse needs to have earned income to cover their combined IRA contributions. Correct. To be technical, the other spouse with the income is the spouse in spousal. The spouse with the spousal IRA is not the spouse in...

We bough a front load Samsung washer 1.5 year ago through Lowes and its been great. It was $1000 originally and since it was the week of black Friday it sold for $499 or $599. Felt like a good deal even though I maybe didn't save all of the $500. Both me and my wife are Europeans, but have lived in ...

Wow. My 6-month car insurance was about to expire and decided to call Geico to see if they were any cheaper than Progressive. Live in an area where car insurance is very expensive and the last few years I tried Geico they were really expense. Oh well, I will give it a try anyway. The quote came back...

Wow, that is just sad should almost be illegal. And are those fees supposed to be low?

Thanks for posting though.

We have adopted 3 cats. Well, we adopted 1 older cat and the other 2 adopted us. They all have such different personalities, which all make them special. Our indoor cat used to throw up pretty often, but we changed her diet and it got better. Pretty sure it had to do with hair balls.

Great animals

Thanks for the update and glad everything went well. This forum is really the best community I have ever come across.

Lots of good advice in this thread already. Something that I wanted to add is that we started watching a lot of shows on HGTV (Househunters etc) when we were in the process of looking for our first home. I'm not sure if it helped us any, but I feel like I had a better understanding of the process. I...

Thanks Rick.

Taylor, thanks for adding the last part. Fun read for sure.