Bogleheads.org

Am I completely overthinking this? I think maybe you are, a little. It is easy to get into our minds just what we want and that makes everything else seem sub-standard. But you need to rearrange your brain to think of in a different way. Rather than trying to pick the perfect portfolio (if all thin...

Thanks, retiredjg. That sounds good. The way I have it now, here will be my balances at the end of 2013 if I just add in current portfolio plus new contributions: 401k: 56.25% $61,487 S&P 500 index (0.83% ER) 8.53% $9,323 American Century Ginnie Mae (1.14% ER) Roth IRA: 18.75% $20,496 Vanguard T...

Don't use any international in your 401k . This is a no-brainer. It would raise your overall costs and lower your international diversification. There is no harm at all in using the GNMA or stable value (or one of the other choices) in your 401k as part of your bond allocation. Don't get so fixated...

Or...another option. Use one of the crappy international funds in my 401k and reduce international in IRA, and therefore I'll be able to keep all my bonds in Total Bond Market: Thornburg International Value (1.57% ER) - large growth American Funds Capital World Growth and Income (1.28% ER) - large b...

I think I am going to rebalance as follows (ballpark figures assuming I have exactly $52k in 401k and $33k in IRA - close enough): 401k: 56.25% $47,813 S&P 500 index (0.83% ER) 4.93% $4,187 American Century Ginnie Mae (1.14% ER) Roth IRA: 18.75% $15,938 Vanguard Total International Admiral Share...

Wow, you guys are great. I've said it before, this forum has the most intelligent, kind posters on the internet, period. I think what Retiredjg is saying makes sense for me. The one extra payment on the mortgage won't hurt, and it's a nice "help me sleep at night" thing even though it may ...

How about this one: Let's say it's 2038, I'm 53 years old, have four years left on the mortgage, and enough money in retirement accounts to pay off my mortgage, retire, and live a happy 40 years in retirement with my 20 year-old supermodel wife. HOWEVER, I can't start drawing on my retirement money ...

Thank you, everybody. I won't reply to each post but I did read them all - and they all seem to be along the same theme - the interest I'd save would be less than I'm making in the 401(k). Pretty much what I figured, but just wanted some outside input. So do you think I should stop even paying the a...

Hi everybody, I'm trying to decide whether to keep my retirement contributions as high as they are or instead use some of it to pay off my mortgage sooner. I also would like to know what to do about my international allocation - details to follow. Emergency funds: $24,000 (easy 6+ months of expenses...

Thanks everybody. That was helpful.

I am in the process of buying a townhouse. I am pretty set on everything except the closing costs of the loan. My dad told me to figure around $3,000 total for lender fees, title transfer, recording fees, etc. OK, so far so good. Now I research lenders. One lender charges lender fees of $850. Anothe...

Stoptothink and CaliJim,

Thanks for the words. I am sticking with perfect form. If my form goes south, I lighten the load. I have been making progress. Just six or eight weeks ago there's no way I could do 175 for 5x5.

Squats are not easy. I'm at 175 now and it's getting very difficult. I weigh 145.

There are guys squatting 2-2.5x their weight for reps. It's insane how strong your quads could get.

If I get to the point where I'm repping 225, I'll be ecstatic.

How's everyone doing on the SL program? I started a week or two after the OP, but just finished my 12th workout last night. I'm really enjoying it so far and have definitely noticed that my squat has gotten a lot better and I "feel" stronger. I can see that I'll probably max out on the OH...

All I know is that the BP Visa blows now. It blows as of March 1st, yeah. :annoyed Until the change goes into effect it's still my best option, so now comes the calculation of exactly how much gas do I have to buy to end up with just over $25 in rewards that I'll redeem before March 1st and then fi...

I am between moderate and liberal cost. Which do I pick?

$2333.33 would get you a $3.50 per gallon discount. he best you could get is $0.15 per gallon discount on up to 20 gallons. So after $100 of spending, you'll get your next 20 gallons at $0.15 off. There is no free 20 gallons. It is impossible to get a $3.50 per gallon rebate. UNLESS!!! - You're jus...

That is incorrect. The price per gallon affects the savings percentage. You get EITHER 15 cents off per gallon on up to 20 gallons for every $100 spent OR A $15 credit for every $1.00 in cents per gallon (which is earned at $666.67 of BP purchases) What does the $2,333.33 and 666.67 have to do with ...

I didn't read the BP Visa one closely yet, but it appears to me that it's simply 15 cents per gallon. I'm sure I missed some fine print or some other little trickery in the details. That's the tricky part. My first reading was 15 cents per gal and I thought that was not much less than 5%. The way i...

I didn't read the BP Visa one closely yet, but it appears to me that it's simply 15 cents per gallon.

I'm sure I missed some fine print or some other little trickery in the details.

I'd rather be doing this:

Fiber doesn't cause weight loss. Fiber causes some people to feel fuller and therefore eat fewer calories. Eating fewer calories than one burns is the only thing I know of that actually causes weight loss.

Thanks.

I'm too young for all of those. I'll check back in 40 years.

Thanks, ERDoc, for the free depression.

kaneohe wrote:did you read the first line? Each bubble represents a prognosis calculator. Click on a bubble to view the calculator.

Yeah but the names of the calculators threw me off.

So there are a bazillion calculators. Gotcha.

I bought a TV there but then returned it because I found the same model in a bigger size that I originally couldn't find anywhere. It was hassle free. It came with a little packet with their warranty information, if I recall.

Am I the only one who has no freaking clue how to work that site? Which bubble do I click? What the heck do they all mean?

I buy the following at Costco and like all of it:

3 lb Kirkland almonds
3 lb Kirkland walnuts
10 lb Perdue frozen boneless skinless chicken breasts
10 lb Quaker oats
4 lb Wyman's frozen wild blueberries
Kirkland Raisin Bran

I actually think it's pretty easy to forecast the stock market . :) Actually, forecasting really is easy. The hard part is, as Larry noted here, "accurate forecasting." :) Yes, that's what I was referring to. It was easy for me. http://www.lostsprings.com/diehards/contest/archive/2011/ind...

I actually think it's pretty easy to forecast the stock market.

That's good stuff. Great work, Dale! These are what really set this place apart: If you are trying to develop your asset allocation plan, you can ask the Bogleheads for help. You will enjoy reading this forum because of its civility and the willingness of members to help each other. The Bogleheads o...

If you would like help in making your prediction, don't be afraid to ask. I'm a PM away.

Here are my experiences with those things from a year ago: Eggs: $1.64/dozen to $1.79/dozen Almonds: $9.79/3 lbs. unchanged Walnuts: $13.99/3 lbs. to $14.99/3 lbs. Olive oil: $4.99/ I think 17 oz. unchanged Apples: $3.99/3 lbs. unchanged Sweet potatoes: $0.99/lb unchanged (I don't buy regular potato...

Your 12 year-old is more intelligent than my mid-20's friends.

I've had decent luck at DSW Shoe Warehouse.

The Ecco brand I'm currently wearing are SO FREAKIN' COMFORTABLE, especially on the heel. I have a problem with blisters on my heels from dress shoes and these ones are padded back there so it was a non-issue.

As many of you know, for winning the Boglehead contest of predicting the 2011 closing price of the S&P 500 index, I won "The Bogleheads' Guide to Retirement Planning" by Taylor Larimore, Mel Lindauer, Rick Ferri, and Laura Dogu, as well as "Don't Count On It!" by Jack Bogle. ...

I invest using as close to the Three Fund Portfolio as possible. The only difference is that instead of a Total Stock Market index fund, I use an S&P 500 and S&P 400 mixture at an 85/15 ratio. Close enough for me. :) Why do you choose to do that instead of TSM? The only decent investment op...

I invest using as close to the Three Fund Portfolio as possible. The only difference is that instead of a Total Stock Market index fund, I use an S&P 500 and S&P 400 mixture at an 85/15 ratio.

Close enough for me.

I would think that a juice diet would be severely lacking in some micronutrients, not to mention fat and protein on the macronutrient side.

I was wide awake at 5 a.m. and made my contribution then. And I am wide awake now at 8:36 a.m. I have a feeling I'll be falling asleep during football today.

1,257.60

mickeyd wrote:

Triple digit golfer wrote:Congratulations to the winners!

You're congratulating your self? Great I love it!

Yes.

A great recognition for our mentor. Congratulations, Mr. Bogle!

VictoriaF wrote:

Triple digit golfer wrote:My pick was 1,257.64, which is exactly where the S&P 500 finished 2010. I chose this number because I figured that, like the man himself, Jack Bogle says, "nobody knows nothin'."

Are you going to be 1,257.60 in the 2012 contest?

Victoria

Absolutely.

My pick was 1,257.64, which is exactly where the S&P 500 finished 2010. I chose this number because I figured that, like the man himself, Jack Bogle says, "nobody knows nothin'." So I thought to myself that I have no idea whether the market will go up, down, or stay the same, so I took...

Congratulations to the winners!

JMacDonald wrote:

Triple digit golfer wrote:Who won?

Hi,
When are we going to see your newsletter?

Congratulations!

I'll start a blog with free investing advice for all. Everybody will get rich and there will be no losers. It will no longer be a zero sum game to invest!

Who won?

My Christmas song one gets lumped in with other? That's BULLSHIT!

I have a 46" Viera that I got around Thanksgiving 2010.

I have my settings as follows:

Sharpness 75%
Contrast 100%
Brightness, color, tint, or whatever else all in the middle.