Bogleheads.org

amazing how some think it is being frugal to make up their own timing on the single most important thing you can do to keep your car in good shape. Follow the owners manual maintenance and you will run almost any car over 200k in miles. Most Hondas are 7500 miles unless you punish your cars with a t...

I have a 75/25 allocation and a 15 year time horizon until retirement. My question is simply this, with interest rates at historic lows and the prospects for bonds less than thrilling, why not rebalance my portfolio with stocks/cash rather than stocks/bonds? Am I wrong to think there is an advantage...

$10,000 7 years ago. I remember Amex calling the merchant to see if everything was ok because I never spent anywhere near that much!

came from an upper middle class background, watched my parents earn a lot then lose it all through poor planning. It created an enormous amount of stress in our homelife. watching seniors struggle to pay their bills is not what I ever want for me or my kids.

As a general rule, I don't like to knit pick with people who take care of my children. Fwiw, I also don't knit pick in restaurants with people who handle my food

dm200 wrote:As long as I was satisfied with folks taking care of my child, I would not, under any circumstances, do anything to have them angry at me - especially for a paltry sum of $30!

Bingo!

I was recently reading a book by Phil Demuth and he cited Jack Bogle and suggests he is worthy of a Presidential Medal of Freedom. What a great idea! I can think of few people who have done more, with integrity to help provide a fair return for the common investor and saver than Jack Bogle. A Presid...

My taxes are not overly complex, some mutual fund income and a spouse working in a different state. I have always used turbo tax. A few years ago I had a $15000 amount due on my turbo tax. I sold a lot of investments and was worried. I then paid $500 to an accountant to do my taxes. The amount came ...

All the money won’t help if you have a terrible disease or are in a lousy marriage. Money cannot buy health (to a degree) and you have to make good life choices. There are certainly a lot of poor people who are happy and rich people who are miserable. Some of the clichés are apropos, you really can’...

I have some major goals (paid off house, two State U college educations fully funded, retirement mid-50's) that happen to require a lot of money. I set our savings and frugality at just the level to reasonably meet those goals and no higher. The objective of money is to meet our goals, not a contes...

it constantly amazes me how fear acts as a motivator. I can't speak for others but it certainly motivates me. I agree giving is an antidote to greed.

stan1 wrote:You probably want to explain the last two choices better (maybe with an example)

ok. Lets assume you can max out an IRA and 401k totaling $23,000 annually. If you saved another amount in taxable accounts, do you save 50% or more of the $23,000? Etc.

What most accurately describes your savings annually?

More a philosophical question than anything else, but something I struggle with and imagine others do as well. First, a little background. I am mid 40’s with a family. I came from a fairly wealthy upbringing where my parents did not save or look to the future (but were great in other ways) and there...

What would interest me is how many people invest beyond all tax deferred options (401k/iras etc) as well as spouses if applicable.

We save about 30% but that includes a 401k and a simple Ira

HomerJ wrote:Am I the only one who feels like Frank Grimes?

Congrats on your weight loss, MM.. A true accomplishment.

I'm not nearly as excited as everyone else about the resurgence of your posting style

+1

As I would imagine most on this board are, I am a big fan of Vanguard. I am curious though as to whether Vanguard is missing it a bit with fund options. Namely, why don't they offer more value index tilted offerings like DFS does? They must be aware of this site, and the interest in value index tilt...

Do you try to take advantage of charging all possible bills to one credit card for cash back or rewards purposes? I think it takes some discipline to not overspend when using credit, but if one has the discipline, I don't see any reason not to take advantage of rewards deals. Do bogleheads adhere to...

I know sometimes this board borders on Jack worship, but I have to say it, Jack is the man!


just when I start to feel whoosy from the market, I catch a pearl of his wisdom and it carries me through for some time. Thanks Mr Bogle!!!!

In keeping the fama French, does your portfolio tilt toward small caps and value?

I am trying to find information pertaining to the maximum allowable contribution if I switched from a SIMPLE IRA with one employer to an employer with a 401k in the same year? For example, if I contributed $5000 to a simple in 2013, then switched to an employer with a 401k, how much could I contribu...

Spoke to a friend of mine who has been a CFP/Advisor for years. No, I don't have any money with him. I made the comment that for the near term this is going to have to have some effect on the market. He believes it has already been priced into the market to some degree but would not be surprised for...

me-05 Honda Accord 100k
Wife-08 Nissan Rogue 75k

At first I found it hard to believe someone could actually speak of themselves in the third person, but like someone passing a traffic accident, I was drawn in to some of his posts. Now, I have to admit I wonder whatever happened to the munchkin man? Is he out there? Is he ok? Heres hoping all is we...

What is your PRIMARY workplace retirement funding vehicle?

I am genuinely curious for an economic answer to why we do not have more inflation? It looks as though we have not had a month in 2012 where we were above 2.9% inflation. 1) No upward pressure from wage increases--hence no "wage-price spiral." 2) The Fed's mandate since 1977 has included ...

We don't have inflation because there isn't enough demand relative to supply to raise prices, due to the weakness in the US and other economies. Why would debt cause inflation? Remember that the amount borrowed equals the amount loaned. Also, the government's interest costs are going down and the p...

***Please do not let this devolve into a political thread that gets locked*** I am genuinely curious for an economic answer to why we do not have more inflation? It looks as though we have not had a month in 2012 where we were above 2.9% inflation. If we are 16 Trillion in debt with the outlook ble...

It depends on the expectation level of the department and the people. It always comes down to the people. I always looked at HR's function as staffing (if recruiting comes under HR), aiding in performance management and personnel development, ensuring a safe workplace, physically and otherwise, and ...

I have learned a lot from the Bogleheads and am very grateful. I consider myself an informed investor, but by no means an expert. I am mid 40's with some possible life changes coming and wondering if I should get a financial planner to help (no, I will not allow one that peddles funds, I am thinking...

I recently requested my pay split between my bank, and Vanguard. One went through, the other did not. Anyone else have issues ????

I am a mac owner and have read it is not necessary to have antivirus due to the great reliability of mac os as well as the fact that it is still a small segment of the market so hackers don't concentrate on it a lot. I also hear it is become more popular and I should have it? I am not an IT person, ...

While it was a contribution, technically you have an excess deferral and not an excess contribution. An excess contribution results from plan discrimination testing which limits your deferral amount, and that does not apply here or you would have been specifically notified by the plan. You can eith...

From working two different jobs this year, we somehow over contributed to the $17k 401k max by about $250. I'm assuming this is not terribly uncommon. We called fidelity and they said they need to research it ( not sure why since I must be looking at the same online statements). Does anyone know wha...

I find it hard with our income to know whether we will be eligible for certain IRA's. Other than company deductions, I find auto investing challenging. I am just wondering if Bogleheads do an auto investment, and if so, how often? Bi Weekly, Monthly?

What a great gift Jack Bogle has given to us all! Couple his MONUMENTAL contributions to the investor with his humility and you have a rare find, a true ROLE MODEL!!!

zero need to change oil at 3k, even conventional (dino) oil. 5k is fine and if you use synthetic oils, you can get 7500-10k. Do not skimp on a good filter, there is a difference. One that traps 99% contaminants is key. What is the best oil? CLEAN oil. the filter makes a big difference, all the oils ...

Bought a ring for $10k and insured it with Jewelers Mutual. State Farm quoted essentially the same price $100/year.

They seem reputable.

Drudgereport
WSJ
Reuters

the Dixie dregs
Supertramp

I want some Boglehead advice on which plan is best for our situation. As of now, I see the SIMPLE IRA as the best bet but am curious if I am missing something. I work in a 50 employee company. I, along with the owner and 2 others make between $100k-$250k. Most are hourly workers making between $30k ...

VictoriaF wrote:Does "in today's dollars" imply that $90k is "real," i.e., will increase with inflation? Does the question assume that the recipient also has a paid off house?

Victoria

yes, and yes

livesoft wrote:Does my spouse get her own $90K?

great point. No, it is for a couple........

in today dollars, which statement would accurately describe your feeling:

I am in!

Our situation is this: We have a home paid off (a townhouse) and the unit is 25+ years old. within the last 5 years we have installed new roofing, skylights, gutters, most siding, and a new heat pump (this year). In other words, we are in good shape for a while (knock on wood). Ideally, with a small...

When did you own your home outright?

1) wear undershirts
2) use fels naptha soap

I watched the video and am confused. Assuming a 50/50 portfolio, was Mr. Bogle calling for a 5% nominal return or a 5% real return? I thought I heard him say both a various points in the discussion and obviously this makes a huge difference for investors who think he knows his stuff. On another not...

Does someone on this board know the general cost difference to the company of moving from a Simple IRA to a 401k?