Bogleheads.org

I have been carrying this kel tec p32 for about a year: http://www.keltecweapons.com/our-guns/pistols/p-32/

It holds 8 rounds, is cheap and accurate, and fits in a pocket holster than ends up being about the size of a wallet. I really like it and it fits all of your criteria.

scorp wrote:

But no matter what, contribute as much as possible to the 401K.

Is the reason for this to reduce my taxable income throughout my career?

Not the only reason. If you pack your 401k full of money it also grows tax free.

>>> It's very easy to withdraw from a 401k before age 60 without penalty Oh, I wasn't aware of this? How? I know of at least three ways. 1. Use the rule 72t ( Source ) 2. You can roll it into an IRA and take 10 grand out for a home ( Source ) 3. Convert it to a Roth IRA, wait 5 years, then take out...

[Really surprised that nisiprius was familiar with my moniker -- wow. I've been using it all over the internet for years and this is the first time someone mentioned that they recognized the historical reference. Yes, they were the good brothers -- the John and Robert Kennedy of their day -- right ...

Greetings, I think it might be prudent to consolidate some of your 401k holdings. This will help keep your costs down (your 401k options are terrible!) and can keep you aligned with your desired asset allocation. Kudos for making use of Vanguards wonderful Target Retirement Funds. How about this for...

Greetings, If you are willing to do a little work and a good deal of research, it is not too hard to clean up your credit reports. I would recommend heading over to this website: http://creditboards.com/forums/ Therein is a great deal of information about how credit works and how you can improve you...

I am also a healthy IT worker in TX and had a similar issue with Guardian. I found myself with a less than great offer due to a previous medical issue. Although Guardian coverage is better I was able to get a great policy with The Standard after working with an agent to get several quotes from some ...

livesoft (a member of the forum) has indicated there is a mathmatical way to determine if it is a RBD (really bad day) or not. Usually when the market is down more than 3%, I log into the forum to see if anybody is talking about a RBD. Here is an example from 2011: http://www.bogleheads.org/forum/vi...

I think you might find that if you left the post up for a while you might get some more serious analysis, one that takes more than a few minutes. I was trying to work on one when you removed the data. I apologize for any time you may have lost while trying to reply. Thank you for the feedback you d...

Sidney wrote:How much of the $30K is health care?

This is a good point. I currently pay nothing for health insurance since I work for the state. How much would health insurance (high deductible) be for a single 50 year old with no health issues?

Grt2bOutdoors wrote:No. You have to keep working until at least 55-57 or you hit the lottery, which ever comes first.
If you get married or have a family - all bets are off.

Can you expand on your reasoning? I do not plan on having a family.

2stepsbehind wrote:No. Keep on saving.

Can you expand on your reasoning?

Edit: I have found most of the responses to my question curt, rude, and unhelpful. As such, I am abandoning this thread. I've been on this forum for a couple years and have not seen this type of reaction to a thread before. I think I will go back to the sidelines for a while and watch other people ...

hlfo718 wrote:Wonder why they are hedging the FX for the bond fund?

To eliminate (or reduce) currency risk. Investors looking to international bonds want the benefits of diversifying country risk and interest rate risk, but don't want currency risk.

Swedroe talks about this in his (very good) bond book.

WHL wrote:so, should our 3-fund portfolios now be changed to a 4-fund portfolio?

Or now a 5-fund if you already split between TBM and TIPS?

from: https://personal.vanguard.com/us/insights/article/fund-announcement-02062013?z_rl=FB15002&utm_content=sf165080&utm_medium=spredfast&utm_source=facebook&utm_campaign=Personal+Investor&sf165080=1 To help add diversity to your portfolio, we're introducing Vanguard Total Intern...

I keep over 20k because I am able to earn 2.5% in my Rewards Checking account. For anybody in the Houston area, I strongly recommend this local bank:

http://texascitizensbank.com/rates.aspx#dep

Now I am wondering why I am still carrying this. My home owners policy has a 300k rider. Should this not be sufficient ? On the way to the Grocery store tomorrow, you get in a fender-bender. It is a 2011 Mercedes; the driver is an anesthesiologist at the hospital right down the road and his wife, a...

I want to buy a Springfield Amory XD9. Locally it's about $670 plus state tax. Cool! Have you shot one before? Guns are a lot like cars; it makes good sense to take a "test drive" before you buy. It is often possible to rent a particular model gun at a range if you wish. I have read threa...

It is automatically calculated for me on my spreadsheet that I keep.

The ER of my portfolio is at this very moment: 0.1233%

LadyGeek wrote:OK, it's back in the Investing - Theory, News & General forum.

Thanks!

Moving it back would be my preference as well. I often don't visit this sub board for weeks. Many others may not visit it at all. Most of us visit the investing sub board. We need to get maximal impact when this is salient in the minds of readers, we can all see the devastation of NJ right on our T...

I do not use paypal and have no wish to get involved with it. Are there alternative mechanisms of providing support? Yes. As listed in the link that was posted above: http://www.bogleheads.org/support.htm#donate Checks should be made out to "Gostynska Frakt, Ltd." and sent to: Gostynska F...

I just chipped in over paypal.

Considering that the bogleheads have contributed so much to the well being of myself and my family, I can think of no cause more deserving of my money.

I hope others will continue to donate!

Case II: since 571 is less than 791, the PIA is $513 (0.9 x 571) Case II: since 1250 is more than 791, the PIA is $660 (513 + 147, the latter being 0.32 x the excess of 1250 over 791) This is a fascinating example! I was very surprised at how small of an effect the zero-earnings years had on the PI...

pshonore wrote:The best software for estimating your benefit and doing "what-ifs" ($0 years, etc) is the Anypia software available at the SS website. That won't help you with different claiming scenarios though which can be easily done in Excel.

Awesome answer. Thanks!

If you are savy with Excel, you can get all the formulas on the SS website. I am alright with excel, I was hoping for a more sophisticated software product. You can also access your SS statement online and use it to get your earning history and to check your spreadsheet calculation for anticipated ...

Greetings, I was wondering if any members (I know sscritic is so very knowledgeable) could recommend a social security software product (preferably free) that would allow me to enter data and calculate my monthly benefit given the different variables such as: -earnings history -future earnings scena...

Risk of losing money if my employer goes bankrupt

That right there is the dealbreaker for me. I contribute to a 457(b) only because it is with a state government (Texas). I personally would not consider contributing to a non-governmental 457.

I am a member of the generation and most of my friends are are also Gen Y. I could classify my risk tolerance as fairly normal; I have 9-months expenses in my Emergency Fund and follow the age-in-bonds adage. Many of my friends follow similar principles. I would say, however, that this view which is...

As i mentioned in the other thread, I am thrilled that Mr McNabb answered 2 of my questions and thanked me by name:

Here Mr. Mcnabb thanks my by first name (eric):

Greetings,

Mr. Mcnabb answered 2 of my questions on facebook! He specifically mentioned the possibility of coming to bogleheads.org to answer questions

My friends, Given the nature of facebook posts, it was important for me to limit the amount of characters I posted. As such, I took a selection of the various questions of this thread and paraphrased a few. Along with my invitation to Mr Mcnabb to come visit us here (which now has 2 'likes'!), I hav...

Greetings, Given the large number of questions posted here, I decided the best rout (as other suggested) would be to invite the CEO to this forum to answer questions. Here was my response to the relevant Facebook post on Vanguard's wall: http://i.imgur.com/jmtN3.jpg I am hoping he responds as my que...

Almost makes me want to join Facebook or twitter. But not quite. Should make it accessible to oldsters. E-mail still works. Definition of TWIT 1: an act of twitting : taunt 2: a silly annoying person : fool As a 29 year old and I hereby volunteer to serve as your proxy and put forth to the Chairman...

Greetings Bogleheads, I was hoping someone might offer a recommendation of some action I can take on the following situation: I, like many other employees of the state of Texas, have the option of contritbuting to a 457 plan called "Texa$aver". I am very happy with having this option, but ...

I'm not trying to invalidate your line of work, but I think insurance is, overall, a giant waste of money. That statement is just plain stupid. Insurance is a fantastic way to mitigate the risk of loss and millions of people across the world have made very good use of insurance products over the la...

Thanks. It sounds like you have the older Protector+ product and not the newer Protector Platinum product, correct? This is correct. Decent product, not as good as Guardian's or their own new Protector Platinum policy, but you may either live in a state where Platinum wasn't approved at the time or...

Out of curiosity, what were the price differences between these plans? If the difference would be $5 a year then Guardian is by far the better choice, but if the Guardian policy is twice as much then it's a different situation entirely. A person can't really know what the better option for them is ...

BruDude wrote:
Thanks. It sounds like you have the older Protector+ product and not the newer Protector Platinum product, correct?

This is correct.

Momus wrote:What occupation class do you fall under? I am also 28. I'd be great if I can get 1% cost for disability -.-

Greetings,

With Standard, my occupation class if 5A. I am an IT worker who lives in a cube all day

Regards,
Femur

I pay approx. 2% of income for my maxed-out DI policy with Guardian. BruDude, I have seen that you frequently comment in threads related to DI and are quite familiar with the subject. I have come to respect your opinion on the topic of DI. As I mentioned above, I have a policy with Standard with th...

snowx800 wrote:I do not have disability insurance. When is it recommended to have ?

Greetings,

The Boglehead Wiki gives a very good overview of what to look for in a Disability Insurance policy: http://www.bogleheads.org/wiki/Disability_insurance

-Femur

Shopping for DI was a long and very difficult process for me, but once I found a good independent agent who could help me wade through the different companies, I ended up with a great policy (own-occ, non-cancellable, etc) with The Standard. I also looked at Guardian and Principal. I was 28 at the t...

Section 1448 of the Small Business Jobs Protection Act of 1996 (SBJPA) added 457(g) of the Code, which requires that 457(b) plan maintained by state or local government employers hold all plan assets and income in trust, or in custodial accounts or annuity contracts (described in 401(f) of the Code...

Greetings, I also am employed by a state university and am offered a governmental 457 plan. I love the thing! 1. Since this is governmental 457b, I should not worry about the "availability of fund" or the plan not being funded, i.e. all the money in 457b actually belongs to me immediately ...

1) The 401a is likely after tax so you can't reduce MAGI by the 5,300, but your side job only adds the net income after Sch C expenses, so it would amount to less than 1,000 Actually, it is in fact pre-tax. My pension handbook states "The plan is administered as a qualified governmental retire...

Greetings, I am having a little trouble calculating my MAGI which will help me determine if i can/should invest in a traditional IRA and take the tax deduction. From my understanding I am calculating MAGI this way: In order to figure out your MAGI you first need to know what your AGI represents. In ...

I strongly disagree with the previous posters in this thread. I think buying private disability insurance from a reputable company is the best move. Disability Insurance that has a strong definition of disability is often recommended by bogleheads. Please check out the wiki link for more info: http:...