Bogleheads.org

NYT has posted a correction to the value of hedge fund assets: Correction: May 14, 2013 The Common Sense column on Saturday, about how poor financial decisions involving its endowment forced the Cooper Union for the Advancement of Art and Science to stop offering education free of tuition, misstated...

it's more important to have an emergency plan than to have an emergency fund account.
you might find this wiki interesting. http://www.bogleheads.org/wiki/Placing_ ... ed_Account

nisiprius wrote:

bUU wrote:I do think a lot of American consumers grossly over-value their own patronage, and not just as bank depositors.

I think a lot of American businesses grossly undervalue the benefit of long-term customer relationships.

i think you're both right.

My bank charges $15 per month if i don't keep a 5000 minimum balance, between the linked checking and savings accounts. Stagecoaches are expensive to maintain, i guess. I've never paid it, and i still get free web banking, internet bill pay, ATM, FDIC insurance, etc, etc, etc. I'm actually suprised ...

28,000 for training? big deal. employees need training and professional development or whatever this is. it's part of employing actual live people in your organization.

3 categories: mortgage child care everything else =total overall, which has a set spending limit we keep track of the child care, because (a) household employer tax reasons (b) as the kids get older i don't want to misplace the "daycare dividend". nearly all of our spending is on our AMEX ...

How much would it cost to get the gas line run to the house while they are doing the work in the street and just put in something like a gas stove or water heater? That way the gas would be ready to use for the furnance but you(or the future buyer) could wait until the oil furnance needs to be repl...

I read that the vast majority of investors age 64 and 80/20 in equities are worried about a possible downturn in stocks.
So, you should be too.

Scenario: You in a meeting in the conference room discussing a client. You : ...and that concludes my report. Boss : Excellent work. I know you didn't include it in your presentation but share with me the <insert whatever> document right away so I can review numbers while we're discussing this. You...

I've been resisting the smartphone pull for some time now. I just don't find it necessary. I have an ipad with wifi that i can use at work, home, or anywhere there is free wifi and i have a basic tmobile prepaid phone for calls. Besides, if i join the masses who are driving down the highway tapping ...

We have this Delta that I bought from Amazon and I really like it. I don't see how it would stop retracting, it's simply a weight that hangs on the other (under the sink) end to pull it back in. A coordinating soap dispenser is available as well. I had another Delta model that looked similar. it ha...

Default User BR wrote:I have no idea, and can't imagine why I would care.


Brian

thank you for your valuable input, Brian.

49%, which is higher than I thought it would be.

well, i guess the party's over.

I've been to Geneva in the summer and it was beautiful.

logon to your broker.
click - 'sell all'

use proceeds to buy 2 books recommended on bogleheads.org

this is far cheaper tuition than many of us paid.

there are places that rent / lease water heaters. might be one in your area.

It could be that because Dave is not legally qualified to offer investment advice, his lawyers encourage him to set up this ELP system to funnel any specific investment advice to another party. The ELPs willingly takes the new customers and the risk of advising them on investments. I always doubted ...

9.7% P&I
13.8% PITI

jwblue wrote:People seem obsessed with these fees.

Which is better?

A fund that returns 8.5 percent with a fee of 1.25%

vs.

A fund that returns 7.5 percent with a fee of .75%.

It seems people on this board would choose the latter.

I'll take market returns at 0.07%.
every time.

Yes, I do believe that you hit the nail on the head about my husband being very risk-averse....maybe as he has gotten older and the portfolio has grown due to his hard work and sweat (NO THANKS to our current advisor), he has become more so and we are just now realizing this fact. He tends to do ev...

keep the 500 index fund, then sell the rest and pay the taxes. it will be worth it to rid yourself of the extra work. you learned a less that a lean & mean, streamlined taxable portfolio has value to you. might as well do it. you will increase your tax bill ONCE, but be able to reduce your futur...

Watty, could you explain the hidden fees? I just learned about the E.R. on the mutual funds above. Are there others? Sorry to sound naive but my eyes have just been opened to this. :shock: I believe my husband will have a heart attack if he reads this and sees $32,000 in fees. Every time we ask if ...

It's a good thing they weren't sold a Variable Annuity or Whole Life! :oops: He probably hasn't got the licence to sell the VA, or you could bet he would have. With $700k sitting in cash, one wonders what this guy is even doing to earn his 1.43% wrap fee? Where is the investing advice? If the portf...

jwtietz wrote: I would never wallpaper again.

+ 10E10000

HouseBlend: +1
we have a Bingo!

For a long time the Janus Junction was the much more popular board at Morningstar. Then tech stocks crashed and the rest is history, I guess.

~1950 per week, on average, but everybody's different.

I was 27 in 2001 when i got married, bought a house and a new car. We were flush with incomes, had no kids yet, but had very little in savings up to that point. (i think i rolled over a 401k that was worth about 8000 a year earlier). I probably had 20k in my taxable brokerage account - much of that ...

if you see page 30 of the Schwab fund annual report (i clicked to this thru M* link above), the fund has had net loss of shares since 2010. They hold cash at below-category-average levels. my guess is that they did what they could to manage the tax/gain issue last year due to the outflows, but this ...

don't do it if you are going to buy the Sienna in your other post.
otherwise, seems like a fair price.

Can you explain your need for AWD? Edit & adding to my response I ask this question becuase most people who have AWD/4WD don't equip their vehicles with snow tires. When on snow or ice with FWD or AWD, your stopping and steering power will be the same. Tires are what make the difference . A lot...

I'm not sure if you have one question or two: (1) Vanguard CFPs are unlikely to offer a value-tilted portfolio to anyone, from what i've read. Their recommendations on % equity /%FI have been pretty good, again from what i read when posters offer up their plan for discussion. (2) you have one portfo...

Is $2500 a year for cable/phone/internet crazy? Let's see: If you bought a $50 antenna and canceled the cable & phone, you could buy a big new flat screen 60" HDTV this year with the savings. Then next year you could buy another TV that will be bigger and nicer. Then the year after that you...

I am one year into a 30 year 3.625% mortgage which has a balance of 365,000 (house valued around 520,000). I work in the defense/intel industry which is somewhat under attack with sequestration and other budget pressures. I am working under a contract that is guaranteed thru end of 2014 but who kno...

minesweep wrote:Not too much Mister-In-Between for EM. EM finished 9 out of 20 years at the top of the heap, and 7 years at the bottom.

Mike

Some call that volatility; I call it 're-balancing bonus', a.k.a. a very cheap lunch.
(if your stomach can keep it down)

bengal22 wrote:

Sheepdog wrote:I find boring to be stimulating.

I find stimulation to be boring.

I really do not understand your point.

I think he makes perfect sense.

One of my favorite charts, and the one of the biggest reasons why I chose a Slide & Dice allocation over Total Market.

you panic-sold in 2008 - do you really think you can hold a 85% equity AA long term without dumping it again? Great question Nate. I will say that back then, we hardly had much. I had no retirement savings at the time - I was in a job that didn't offer any for 2 years after college, so I did fund m...

this would make a good poll.

i save the paper copies until i dispose of the tax documents for that year.
I could also save pdfs, but I figure VG's computers are both more reliable and more secure than my PC, so I don't.

with two kids, I don't know why you would change anything, unless your sedan is really small. We drove our two around in an Accord for a long time (even with also having a Highlander). When you have the third, that's when you should consider a larger replacement.

good luck on the little one!

I've been pleased with Banana Republic Outlet and Charles Trywhitt. The latter, i've gotten for far less than the $60 you mention. I have probable 20-25 shirts between the two of them and they last for years. I have no desire to iron, so i send all my shirts to the cleaners--even the 'wrinkle free' ...

I have been looking for the 2013 limit since the deal was struck and knew eventually it would show up on bogleheads.

thanks sscritic & OP

you panic-sold in 2008 - do you really think you can hold a 85% equity AA long term without dumping it again?

is your proposed budget lower than your typical spending history together?
i.e., is her spending accelerating or is your retirement budget plan undercutting what you are already used to spending?

same guess as last year:

1477.41

a million dollars split between a teen and a 1st grader would certainly warrant a basic will, simply due to their ages.
IMHO a will (+health care directive and POA) is a task best left to a pro in your state. We did ours a few years ago for <$1000 one-time fee.

If it's vested, I count it because it's my money. Our savings goals are based on a dollar amount, not a percent of income, so I don't care if it comes out of my pocket or my employer's. As others have pointed out, this match is part of your total compensation anyway. And speaking from experience, ge...

Warehouse Fee is a new one. pure profit for them, along with 'administration'. If they're just going to re-sell the mortgage, what would go in the warehouse? Closing Attorney seems fishy because I have never seen an Attorney at any closings i've been to. If this fee is for closing, then why is there...

livesoft wrote:Congratulations, you are the first victim of distributions in 2012.

'tis the season for distribution panic attacks.