Bogleheads.org

I wanted to reach out for some guidance regarding rebalancing of my investment portfolio. Some background: I'm 45, with investments residing in multiple places. At best, I review my portfolio every two years. My investment knowledge is at the elementary level, and a result of the crash course I giv...

Can you ask to work four 10 hour days? Reality is that's the amount of hours most people put in these days anyhow (8-5).

Watch less TV and don't obsessively check your portfolio.

Advisor = "sales person" pushing expensive funds

You're just putting yourself in a situation to get a sales pitch.

Are you close to retirement and have you hit your number? If so, then maybe not so crazy.

If you're young and still have many years till retirement, yes, foolish move.

What are you driving now?

I'm a former landlord. It's a job and a headache. Nothing goes as planned.

Seems like you already answered your question in the subject line of this post.

I'm a firm believer of holding age in bonds. I'm 35 and hold 35%. Of the bonds, it's about 75% total bond market index and 25% TIPS.

$50 -$100, along with a good investment book!

I would do both. Time is the most important aspect of investing. If you don't invest for say 5-10 years, this will have a huge negative impact on your compounded returns. Could you set up some minimum investment goals per year, then once you archive them, plow everything else into your debt?

What are the low cost index fund options available in the plan? What are the fees?

My guess is that if you're dealing with a "broker", it's going to be all high cost actively managed funds.

Tune out the noise and stick to your plan.

Pay the mortgage down.

About $5k, back in 2002.

So I actually dug up several small bucket fulls of dandelions this afternoon. It's fast, easy, gets you outside, and is really easy to do. Took me know more than 2 hours and got most of them out of my yard. The weed digging tool is a must

This will probably help you a lot:

http://www.richsoil.com/lawn-care.jsp

http://www.plantea.com/dandelions.htm

Wow seems like an overwhelming majority to sell. that's what I wanted to hear for stress reasons but wanted to make sure it was the right move financially You're getting a biased response. If you posted this same question on a land lording website, you'd probably get a much different response. I th...

BMWs are money pits.
Mdx are gas thirsty and require premium.
I'd go highlander.

Hi Folks, I never purchased any exercise equipment before - usually worked out at the gym - that is no longer possible because we just had a baby. So looking to buy a treadmill at home. Does anyone have suggestions on : 1. What price range i should be looking at to get a decent machine that does no...

I list my beach rental on homeaway.

Look for rentals with good reviews. Email the owner questions.

By doing this, you're setting the expectation that he can come to you for money when he gets into trouble. What happens next time when it's a bigger amount and longer duration?

Can you help him by directing him to a bank or good credit card company instead?

Bowflex selectech dumbells, pull-up bar, and p90x. 3 years running. Best shape of my life.

My wife and I have two young children, and my wife is trying to decide if she should quit her job and become a stay-at-home mom. This is obviously a personal decision, but I'm looking for advice from older people who have gone one way or the other. Here's our family and financial picture: ⋅&nb...

I own a seasonal vacation rental, so I can offer you the perpsective from the other end. I leave a very specific check-out punch list for my renters. It's in the rental agreement they sign, they get another copy when I mail them the keys, and I leave a laminated copy on the fridge at the property. P...

We advertise our vacation rental property on homeawaycom.com

This year I'd like to use less toxic chemicals and try use organic lawn care products (live in the north east). I still want the golf course / meticulous look though. Anyone have experience or recommended products to use?

Use a bank account, it likely pays more than a short-term bond fund today, no principal risk, FDIC insured, and you have peace of mind. Don't play with money you can't afford to lose. +1. "next few years" is not worth the risk to put this in the market. Go with a high-yield online savings...

Wow! That's amazing. Congrats, sounds like a very long journey is about to pay off.

My biggest piece of advice is to live below your means....well below your means. If you lived off ~75k per year and invested the rest, you could literally be in a position to retire in 10-15 years.

Congrats on amassing such a large portfolio! You've officially won the game. At your age I'm guessing you care less about taking risk in trying to "beat the market" (which is impossible long term by the way) and more about keeping what you have made? There's really no need to be paying som...

Stronger password policy enforcement.

And not that I'm complaining by any means :) , but what do you think is causing the market to reach new record highs? Do you think it's part due to all the investors who have been sidelines for so long and are now getting back into the market with renewed confidence? I'm also seeing lots of posts by...

You should try http://www.portfoliosolutions.com/

Ric Ferri is an active contributor to this forum.

I'm 30 and I don't have any bonds either. I do, however, have some cash on the sidelines that I can use in the event of a market downturn . This is smart. If I were 100% in stocks, I would do the same. The key is having cash available to invest in down-turns to seize the opportunity when the market...

I think it has to do with risk tolerance and not panicking when the market does down by selling and pulling out of the market. I'm 26 as well and don't own any bonds. Probably won't for 15 years or so. Or until you experience investing during a massive crash like 2008 or 2000. It's easy to have a b...

Welcome to the forum! I'm sorry you're in the position you are, but you've come to the right place. I left my SmithBarny "advisor" back in 2008. Haven't looked back and investing is really simple once you figure out your strategy and asset allocation....which by the way is really easy. If ...

This will be my first post here, so forgive me if I leave out information that is needed. I am trying to see if other Bogleheads think this strategy is sound or if I am missing something. I should state that one of the reasons for the post is that I believe that diversification goes beyond simply h...

Welcome! Glad you "saw the light". Similar to you, I was beging ripped off by Smith Barney and decided to "fire my advisor". Came here in 2008, embraced the low cost index fund portfolio and haven't looked back. Investing is really, really simple when you break it down. Moving as...

Thank you both for your feedback. Interesting that there's not a consensus on this. There wouldn't be a consensus because people have different purposes in choosing their investments. I guess I should have worded this as "rule of thumb" instead of consensus. In an overall investment strat...

Thank you both for your feedback. Interesting that there's not a consensus on this.

I'm looking for some advice as to what's the reccomended rule of thumb for TIPS as part of my Bond Asset Allocation. My overall Asset Allocation is pretty simple. I hold my age in bonds (35%) and the different in equities (65%...with a 70/30 split for US & International respectively). Of my 35% ...

By far, my most memorable meal of that trip was at a small restaurant in Tamarindo (town) called Dragonfly Bar & Grille. The mango / jalapeno martini was AMAZING. http://www.dragonflybarandgrill.com

I wish I would've gotten a better home inspector. I didn't do my due diligence in this area and we ended up with a terrible one. He missed some pretty important stuff. We would've bought the house regardless but it would've been nice to have a little more negotiating power with some of this info. +...

A plan should be in-expensive. My local landscape company did a whole house plan last fall for $100. He did a walk through and then drew up a detailed landscape design plan of what plants to buy, where to plant, etc.

This poll is confusing. I don't understand the selections. We hold our age in bonds (35%).

I'm a big fan of David Sandler's methodology. The concepts in his book are great, but as the book highlights, it takes reinforcement training on-going practice to really master it. I enrolled in an 8 week Sandler boot camp that met once a week for a morning covering each topic in great detail. I fou...

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...

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 ...

If you're building a deck, go composite (Azek, Trex, TimberTech). Also get a composite or vinyl handrail. Pressure treated decks are terrible.

I wish we had a bigger mud-room.

Anytime someone pays for something (whetherit be some or all), they have a stronger appreciation for what they have.

I will probably try and structure it so that my kids fund ~20% of their education.